> Automatically verified official update: This page reproduces an official government communication from Ministry of Finance without adding legal conclusions. Always follow the linked primary source where exact wording matters.

A third-party assessment of the KCC–MISS has been conducted through Institute for Social and Economic Change (ISEC), Bengaluru, to assess the scheme’s functioning across India’s diverse agro-regions (As reported by Department of Agriculture & Farmers Welfare, Government of India).

The main findings of the report submitted by ISEC are as under:

-

•Every ₹1 invested under KCC–MISS contributes ₹2.30 to net value addition in the agriculture & allied sector.
•The MISS has played a crucial role in reducing the interest burden on farmers, with an estimated subsidy outlay of ₹1.87 lakh crores since inception till 2024-25.
•The scheme has positively impacted cropping intensity and multi-season cultivation, with KCC-MISS farmers cultivating larger areas, achieving higher cropping intensity, and adopting more diversified crop portfolios across seasons, supported by reliable irrigation and concessional credit;
•It has improved the timeliness of input use through access to adequate working capital, and beneficiaries receiving Prompt Repayment Incentive (PRI) have demonstrated better credit discipline, thereby enhancing banks' confidence for further lending;
•The scheme has supported dairy and livestock expansion and promoted income diversification by supplementing crop income, reducing dependence on seasonal agriculture, and integrating livestock and fisheries farming with crop production. It has also supported Working Capital Requirements (WCR) for inland fisheries, which is significant for diversification in the North-Eastern Region.

The Government has taken various steps to ensure timely and affordable institutional credit, expand KCC coverage, simplify application procedures, strengthen digital access including small and marginal farmers, which inter-alia includes:

•Annual fixing of ground level agriculture credit targets and Priority Sector lending targets for banks.
•Increase in collateral free loan limit in KCC from existing Rs 1.6 lakh to Rs 2 lakh w.e.f., 01.01.2025.
•Several technological interventions such as Kisan Rin Portal, Jan Samarth portal, e-KCC, KRISHIKA etc. have also been introduced to streamline the agricultural credit delivery process.
•In order to bring awareness about the benefits of the KCC scheme among farmers and expand its coverage, Union/State Governments, RBI, NABARD and State Level Bankers Committee (SLBCs), Banks conduct various awareness programmes, IEC

(Information, Education and Communication) and KCC Saturation campaigns.

This information was given by the Minister of State in the Ministry of Finance, Shri Pankaj Chaudhary in the Lok Sabha today.

SR/AD

State/UT-wise details of total number of operative Kisan Credit Cards (KCC) and amount outstanding

No. of Account in Actuals, Amount Outstanding in Rs. Crore

Si No

States

2021-22

2022-23

2023-24

2024-25

2025-26

No. of A/c

Amount O/s

No. of A/c

Amount O/s

No. of A/c

Amount O/s

No. of A/c

Amount O/s

No. of A/c

Amount O/s

1

A & N ISLAND

9,389

45

9,056

38

8,324

23

8,368

24

9,045

22

2

ANDHRA PRADESH

45,69,808

56,096

45,51,558

60,883

48,53,487

65,455

47,33,502

68,003

52,83,636

70,906

3

ARUNACHAL PRADESH

9,880

76

10,100

81

18,388

195

22,484

254

24,048

314

4

ASSAM

6,58,281

3,896

6,46,919

3,895

6,70,832

4,616

5,53,146

4,931

4,36,216

3,541

5

BIHAR

26,56,796

17,581

25,76,527

17,388

28,80,585

19,152

28,20,890

19,369

22,29,315

18,782

6

CHANDIGARH

1,393

107

1,475

99

1,582

126

1,010

113

748

84

7

CHHATTISGARH

17,82,290

10,352

19,17,435

10,757

21,45,836

10,582

19,08,855

15,088

20,90,655

10,943

8

DNHDD

1,417

30

1,581

40

1,543

40

1,447

47

1,171

37

9

GOA

8,347

110

9,458

111

11,649

148

11,903

178

9,473

119

10

GUJARAT

28,78,852

56,960

30,18,544

62,391

31,37,242

71,132

32,24,658

77,441

35,35,680

81,322

11

HARYANA

22,53,483

48,017

22,86,953

50,045

23,61,829

54,000

24,00,489

55,411

24,29,330

54,746

12

HIMACHAL PRADESH

4,23,843

7,242

4,60,441

7,636

5,02,861

9,072

5,10,282

9,572

5,31,152

10,756

13

JAMMU & KASHMIR

9,33,555

6,291

9,10,514

6,363

10,66,887

6,974

11,13,136

7,379

11,17,490

8,056

14

JHARKHAND

9,21,919

4,648

9,67,591

5,200

9,95,531

5,560

9,68,619

5,668

9,18,867

5,790

15

KARNATAKA

47,35,000

50,621

47,21,067

54,181

54,98,818

62,794

53,76,105

67,542

49,02,590

67,398

16

KERALA

19,29,232

27,864

25,94,466

43,401

26,58,063

49,952

24,11,756

44,788

23,06,469

43,350

17

LADAKH

1,89,654

4,226

28,072

258

28,228

268

28,134

272

28,005

277

18

LAKSHADWEEP

24,685

376

1,770

15

2,555

22

3,110

28

3,577

38

19

MADHYA PRADESH

60,68,304

69,212

62,68,740

78,136

65,00,382

84,523

65,17,376

88,732

58,41,301

87,391

20

MAHARASHTRA

69,10,764

62,833

71,77,298

70,354

72,17,854

78,018

70,31,265

85,049

61,30,311

75,143

21

MANIPUR

17,806

111

19,693

165

19,699

159

18,309

161

17,346

128

22

MEGHALAYA

66,190

320

71,677

360

77,422

467

85,889

557

96,625

722

23

MIZORAM

27,182

269

35,093

315

51,561

518

42,682

387

38,867

404

24

NAGALAND

26,259

153

30,070

179

32,072

192

36,510

234

41,009

286

25

NCT OF DELHI

3,188

56

2,861

45

2,761

43

2,614

42

2,110

37

26

ODISHA

39,98,082

20,013

39,71,032

21,744

44,65,567

29,097

42,79,001

27,064

39,21,029

28,705

27

PUDUCHERRY

17,797

238

13,413

276

20,366

392

19,361

463

11,468

303

28

PUNJAB

21,67,026

55,665

21,98,101

55,428

22,34,658

57,830

21,67,523

57,536

22,20,629

57,727

29

RAJASTHAN

62,29,619

94,798

65,40,646

99,551

68,45,762

1,08,973

71,27,313

1,12,364

71,53,741

1,15,769

30

SIKKIM

6,555

46

8,702

56

10,115

62

10,995

71

10,039

83

31

TAMIL NADU

30,53,109

31,576

35,80,708

42,143

40,31,906

52,112

40,38,150

55,121

41,87,135

52,383

32

TELANGANA

42,71,628

40,617

43,37,476

44,405

45,08,942

47,786

45,76,239

50,594

41,36,291

52,342

33

TRIPURA

2,46,320

513

1,55,042

507

1,64,916

522

1,71,181

518

1,41,889

486

34

UTTAR PRADESH

1,05,32,039

1,23,076

1,07,05,196

1,28,123

1,09,17,055

1,38,621

1,09,56,279

1,41,375

98,60,137

1,39,986

35

UTTARAKHAND

5,46,806

6,690

5,08,644

6,365

5,54,157

6,479

5,11,706

6,238

4,94,920

6,121

36

WEST BENGAL

33,13,609

14,590

31,32,363

14,531

30,04,799

15,856

35,20,251

17,459

26,65,570

13,758

Total

7,14,90,107

8,15,314

7,34,70,282

8,85,464

7,75,04,234

9,81,761

7,72,10,538

10,20,072

7,28,27,884

10,08,256

Details of operative accounts and amount outstanding in KCC issued for Animal Husbandry

No. of Account in Actuals, Amount Outstanding in Rs. Crore

Si No

States

2021-22

2022-23

2023-24

2024-25

2025-26

No. of A/c

Amount O/s

No. of A/c

Amount O/s

No. of A/c

Amount O/s

No. of A/c

Amount O/s

No. of A/c

Amount O/s

1

A & N ISLAND

626

3

768

4

819

4

821

4

791

4

2

ANDHRA PRADESH

56,650

592

77,135

757

1,76,647

1,964

1,85,644

2,168

2,02,181

5,689

3

ARUNACHAL PRADESH

142

2

195

2

138

1

124

2

803

32

4

ASSAM

1,991

18

4,054

33

12,374

126

10,600

150

5,551

73

5

BIHAR

20,298

150

30,119

287

1,59,501

1,004

2,54,408

1,290

90,351

956

6

CHANDIGARH

121

5

185

3

363

11

271

16

258

7

7

CHHATTISGARH

4,650

63

6,958

68

15,505

175

19,002

201

18,674

184

8

DNHDD

102

1

108

1

118

1

113

1

600

25

9

GOA

2,154

29

2,416

25

1,393

13

2,658

36

2,402

32

10

GUJARAT

1,70,662

1,682

2,64,044

2,717

85,725

831

5,03,678

6,528

8,24,901

7,715

11

HARYANA

73,103

986

1,02,775

1,428

3,80,932

5,805

2,24,992

3,239

2,23,366

3,669

12

HIMACHAL PRADESH

30,020

238

40,894

334

1,67,213

2,272

74,370

682

1,03,957

941

13

JAMMU & KASHMIR

1,27,466

664

1,43,138

769

79,974

640

2,36,135

1,582

2,78,089

2,062

14

JHARKHAND

6,612

32

6,051

32

1,60,487

917

12,472

63

6,423

55

15

KARNATAKA

1,53,367

556

1,55,641

551

1,19,909

534

2,14,283

1,766

2,73,935

3,130

16

KERALA

73,946

672

76,524

727

1,37,648

1,290

80,019

995

1,10,467

1,160

17

LADAKH

6,971

69

6,903

68

44,651

615

8,204

86

8,577

92

18

LAKSHADWEEP

169

1

460

4

7,519

76

853

7

2,638

29

19

MADHYA PRADESH

46,503

325

94,075

677

73,082

569

2,08,676

2,230

2,07,010

1,988

20

MAHARASHTRA

25,320

269

33,881

343

1,39,852

2,198

89,062

1,325

50,813

759

21

MANIPUR

1,793

16

2,468

20

88,371

1,139

2,542

20

2,284

20

22

MEGHALAYA

208

2

458

3

1,417

13

1,621

10

813

8

23

MIZORAM

16,894

226

18,675

265

28,793

369

24,157

267

26,693

281

24

NAGALAND

111

2

871

3

2,247

22

445

1

309

2

25

NCT OF DELHI

62

2

64

1

665

2

193

2

205

3

26

ODISHA

6,534

34

6,270

33

20,251

139

22,165

164

11,324

301

27

PUDUCHERRY

3,256

27

2,879

24

4,927

55

5,340

66

3,059

55

28

PUNJAB

1,48,782

2,088

2,40,894

3,456

3,53,764

5,054

3,79,369

5,256

3,60,449

5,298

29

RAJASTHAN

1,68,076

1,821

2,39,902

2,717

5,43,459

6,459

6,65,704

7,778

7,20,123

8,926

30

SIKKIM

498

4

1,033

8

2,320

14

3,058

21

3,304

28

31

TAMIL NADU

2,16,600

3,299

3,79,403

4,992

6,06,404

7,953

6,88,212

8,239

8,30,159

8,110

32

TELANGANA

9,179

134

8,045

100

11,981

229

14,667

281

10,778

287

33

TRIPURA

8,040

33

40,035

102

4,256

30

4,641

29

2,934

25

34

UTTAR PRADESH

17,881

138

31,920

236

2,63,814

2,695

6,44,710

6,243

6,53,489

8,179

35

UTTARAKHAND

1,00,460

975

1,90,871

1,966

2,64,657

2,600

51,332

397

46,195

426

36

WEST BENGAL

9,203

60

15,763

118

46,023

346

87,506

491

41,648

446

Total

15,08,450

15,216

22,25,875

22,873

40,07,199

46,166

47,22,047

51,637

51,25,553

60,997

Annexure referred to in part (a) and (b) of Lok Sabha Un-Starred Question no. 2423 on " Kisan Credit Cards in Tamil Nadu" answered on 03.08.2026 Details of operative accounts and amount outstanding in KCC issued for Fisheries

No. of Account in Actuals, Amount Outstanding in Rs. Crore

Si No

States

2021-22

2022-23

2023-24

2024-25

2025-26

No. of A/c

Amount O/s

No. of A/c

Amount O/s

No. of A/c

Amount O/s

No. of A/c

Amount O/s

No. of A/c

Amount O/s

1

A & N ISLAND

472

2

490

2

654

2

657

2

509

1

2

ANDHRA PRADESH

7,394

934

8,010

1,327

14,716

2,440

16,843

2,993

16,431

3,349

3

ARUNACHAL PRADESH

46

0

68

1

68

1

68

1

92

3

4

ASSAM

1,299

10

2,280

16

2,061

18

1,806

16

1,585

16

5

BIHAR

604

8

570

7

812

11

853

11

1,385

16

6

CHANDIGARH

1

0

0

0

0

0

0

0

0

0

7

CHHATTISGARH

898

9

1,143

10

1,318

14

1,497

15

1,746

12

8

DNHDD

535

13

586

21

545

23

560

26

488

23

9

GOA

453

11

529

8

156

1

553

12

508

15

10

GUJARAT

5,098

120

6,882

176

1,155

14

10,000

314

10,213

315

11

HARYANA

361

5

472

6

7,838

247

603

10

516

9

12

HIMACHAL PRADESH

524

5

625

6

1,248

18

1,558

17

1,631

19

13

JAMMU & KASHMIR

654

8

679

7

926

10

1,374

8

2,511

13

14

JHARKHAND

1,835

9

1,827

10

995

8

1,171

8

917

6

15

KARNATAKA

2,483

29

6,533

55

2,973

14

5,766

73

7,891

102

16

KERALA

4,802

78

8,639

132

4,837

77

10,819

217

18,777

312

17

LADAKH

884

16

11

0

7,935

162

21

0

22

0

18

LAKSHADWEEP

2

0

242

3

14

0

1,199

13

1,606

18

19

MADHYA PRADESH

5,482

14

18,269

29

4,886

17

6,600

21

5,311

18

20

MAHARASHTRA

5,585

39

6,670

51

3,485

15

6,894

73

6,954

72

21

MANIPUR

211

3

308

3

5,750

52

433

4

349

3

22

MEGHALAYA

121

0

199

1

324

2

206

1

168

1

23

MIZORAM

50

1

95

1

638

6

369

5

459

4

24

NAGALAND

6

0

74

1

70

1

31

0

32

0

25

NCT OF DELHI

0

0

0

-

44

0

94

0

4

0

26

ODISHA

1,084

17

975

72

1,661

99

2,307

97

2,355

125

27

PUDUCHERRY

251

1

1,106

16

2,567

41

3,035

56

1,707

43

28

PUNJAB

731

11

918

14

885

15

710

13

507

9

29

RAJASTHAN

843

7

999

10

1,288

14

1,068

12

857

11

30

SIKKIM

40

1

44

1

100

1

198

2

351

4

31

TAMIL NADU

4,481

59

12,036

179

32,901

599

42,031

749

34,962

591

32

TELANGANA

3,664

16

3,973

26

2,263

16

1,473

11

1,849

24

33

TRIPURA

1,902

13

10,345

29

3,364

15

3,152

16

2,955

17

34

UTTAR PRADESH

286

4

381

4

2,145

23

5,771

72

6,650

91

35

UTTARAKHAND

4,012

43

5,481

57

3,748

46

558

8

628

7

36

WEST BENGAL

3,001

42

5,041

65

5,155

73

4,708

80

4,850

106

Total

60,095

1,531

1,06,500

2,344

1,19,525

4,096

1,34,986

4,957

1,37,776

5,355

Annexure referred to in part (d) of Lok Sabha Un-Starred Question no. 2423 on " Kisan Credit Cards in Tamil Nadu" answered on 03.08.2026

State-wise details of Non-Performing Assets (NPAs) under KCC in Scheduled Commercial Banks (excluding Regional Rural Banks) during the last five years

No. of Account in Actuals, Amount Outstanding in Rs. Crore

Si No

States

2021-22

2022-23

2023-24

2024-25

2025-26

No. of A/c

Amount O/s

No. of A/c

Amount O/s

No. of A/c

Amount O/s

No. of A/c

Amount O/s

No. of A/c

Amount O/s

1

A & N ISLAND

68

1

47

0.28

54

0.29

89

0.40

89

0.39

2

ANDHRA PRADESH

1,84,373

2684

1,91,135

2,852

1,90,402

2,926

1,67,123

2,725

1,40,908

2,282

3

ARUNACHAL PRADESH

6,197

36

5,519

33

5,354

33

5,311

34

5,086

35

4

ASSAM

4,05,005

1772

4,04,477

1,974

3,61,126

1,986

3,57,601

2,097

3,44,288

2,008

5

BIHAR

9,29,841

6412

8,49,035

6,064

8,25,228

6,085

7,96,586

5,850

6,95,270

5,167

6

CHANDIGARH

358

97

434

92

504

107

330

73

625

123

7

CHHATTISGARH

35,611

407

36,754

512

31,261

564

32,871

670

30,735

730

8

DNHDD

168

1

136

2

153

3

161

3

187

4

9

GOA

518

7

525

13

609

16

597

9

507

6

10

GUJARAT

1,15,145

2410

1,14,852

2,531

1,11,930

2,560

1,31,767

3,214

1,36,338

3,486

11

HARYANA

80,804

3065

85,209

3,248

85,627

3,127

87,942

3,188

80,766

2,729

12

HIMACHAL PRADESH

15,939

370

14,141

346

12,806

329

11,926

304

11,611

294

13

JAMMU & KASHMIR

10,853

160

12,708

180

11,967

187

11,877

184

11,859

180

14

JHARKHAND

3,39,617

1489

2,96,790

1,319

3,03,677

1,395

3,34,404

1,531

3,12,739

1,482

15

KARNATAKA

3,02,230

4933

3,12,354

5,437

2,90,523

5,427

2,77,586

5,298

2,07,789

4,197

16

KERALA

39,867

1029

45,545

1,418

46,169

1,280

47,872

1,244

39,257

1,064

17

LADAKH

5,613

354

123

1

67

1

52

1

47

1

18

LAKSHADWEEP

1,696

29

9

0.04

25

0.16

49

0.43

81

1

19

MADHYA PRADESH

4,57,844

8626

4,75,724

9,286

4,81,769

10,342

4,94,987

11,878

4,71,568

12,130

20

MAHARASHTRA

6,42,138

9592

6,76,004

10,285

8,01,886

11,189

9,53,183

12,690

12,09,145

15,155

21

MANIPUR

11,177

72

10,864

71

11,840

78

11,879

84

10,862

73

22

MEGHALAYA

31,321

166

29,528

159

26,130

145

24,182

137

21,493

124

23

MIZORAM

7,924

45

6,487

40

6,855

41

7,244

43

5,827

39

24

NAGALAND

5,681

32

5,135

29

3,316

19

2,765

15

2,327

12

25

NCT OF DELHI

439

11

435

10

417

11

415

8

340

8

26

ODISHA

3,18,267

1492

3,22,488

1,591

3,14,453

1,711

3,03,553

1,786

2,70,565

1,620

27

PUDUCHERRY

2,407

34

1,964

30

1,922

27

1,799

22

1,543

19

28

PUNJAB

1,27,128

7068

1,41,339

7,439

1,27,897

7,011

1,24,649

6,745

1,13,318

5,972

29

RAJASTHAN

3,80,440

7503

3,86,466

8,558

3,74,331

8,994

3,70,272

9,703

3,58,247

9,737

30

SIKKIM

1,971

8

1,706

8

1,416

9

1,315

9

924

8

31

TAMIL NADU

2,81,017

3194

2,59,717

3,011

2,41,368

2,770

2,03,732

2,375

1,46,212

1,765

32

TELANGANA

4,11,722

3117

4,46,970

3,656

4,18,103

3,406

3,36,768

2,979

2,87,770

2,705

33

TRIPURA

41,804

179

39,267

184

34,845

194

34,895

205

33,601

200

34

UTTAR PRADESH

11,30,993

15540

11,71,542

17,352

12,10,981

18,178

12,73,379

19,314

12,33,306

19,158

35

UTTARAKHAND

41,939

945

31,203

795

41,694

991

29,159

745

27,619

704

36

WEST BENGAL

2,93,963

1756

3,35,309

2,303

2,94,051

2,228

2,72,776

2,251

2,50,713

2,052

Total

66,62,078

84,637

67,11,941

90,832

66,70,756

93,370

67,11,096

97,418

64,63,562

95,269

Official source

[Read the original PIB release](https://pib.gov.in/PressReleaseIframePage.aspx?PRID=2293813)

Source attribution: Press Information Bureau, Government of India.