Archive · 6 Aug 2025
Kisan Credit Card Scheme: Growth and Exclusion
Imagine a special credit card called KCC for farmers in India.
The total money borrowed using KCC is very high.
However, many small farmers cannot get these cards.
Big land owners have a much better chance to access the credit.
Even though the credit is increasing, the government still needs to solve the issue.
Kisan Credit Card (KCC) scheme surpasses ₹10.2 lakh crore in outstanding credit.
Five states account for nearly half of the total credit and 48% of active KCCs.
Only 9.5% of households with less than 0.01 hectares hold valid KCCs.
KCC credit flow more than doubled from ₹4.26 lakh crore (2014) to ₹9.81 lakh crore (2024).
KCC NPAs declined from 12.66% (2021-22) to 11.5% (2023-24).
- Who
- Farmers and the government.
- What
- The Kisan Credit Card (KCC) scheme has surpassed ₹10.2 lakh crore in outstanding credit.
- When
- The data is based on 2014, 2024, and 2025.
- Where
- India.
- Why
- The article does not explicitly state why this is occurring, only that inequalities persist.
Government/Banks
Small and Marginal Farmers
Access to Credit
Government/Banks
KCC scheme is successful in providing credit to farmers.
Small and Marginal Farmers
Small and marginal farmers are excluded from the scheme.
- Total Outstanding KCC Credit
- ₹10.2 lakh crore
- Total Active KCC Accounts
- 7.72 crore
- KCC Credit Flow (2014)
- ₹4.26 lakh crore
- KCC Credit Flow (2024)
- ₹9.81 lakh crore
- KCC NPAs (2021-22)
- 12.66%
- KCC NPAs (2023-24)
- 11.5%
