Kisan Credit Card-Modified Interest Subvention Scheme Assessment Report
A third-party assessment conducted by the Institute for Social and Economic Change (ISEC), Bengaluru, evaluated the KCC-MISS scheme's performance across India's diverse agro-regions. The assessment found that every ₹1 invested under KCC-MISS contributes ₹2.30 to net value addition in the agriculture and allied sector. The scheme has significantly reduced farmers' interest burden with an estimated subsidy outlay of ₹1.87 lakh crores since inception until 2024-25.
Scheme Impact and Benefits
The MISS 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. The scheme improved timeliness of input use through access to adequate working capital, and beneficiaries receiving Prompt Repayment Incentive (PRI) demonstrated better credit discipline, enhancing banks' confidence for further lending. Additionally, the scheme 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.
Government Initiatives and Digital Interventions
The Government has implemented several measures to ensure timely and affordable institutional credit, including annual fixing of ground-level agriculture credit targets and Priority Sector lending targets for banks. The collateral-free loan limit in KCC was increased from ₹1.6 lakh to ₹2 lakh effective January 1, 2025. Several technological interventions such as Kisan Rin Portal, Jan Samarth portal, e-KCC, and KRISHIKA have been introduced to streamline the agricultural credit delivery process. Awareness programs, IEC campaigns, and KCC Saturation campaigns are conducted by Union/State Governments, RBI, NABARD, and State Level Bankers Committees.
State-wise KCC Operational Data
Total operative KCC accounts reached 7.28 crore with amount outstanding of ₹10.08 lakh crore in 2025-26. Uttar Pradesh had the highest outstanding at ₹1.39 lakh crore across 98.60 lakh accounts, followed by Rajasthan with ₹1.15 lakh crore across 71.53 lakh accounts, and Madhya Pradesh with ₹87,391 crore across 58.41 lakh accounts. The North-Eastern states showed significant growth, with Arunachal Pradesh increasing from 9,880 accounts in 2021-22 to 24,048 accounts in 2025-26.
Animal Husbandry and Fisheries Segment Performance
The animal husbandry segment showed substantial growth, increasing from 15.08 lakh accounts in 2021-22 to 51.25 lakh accounts in 2025-26, with outstanding amounts growing from ₹15,216 crore to ₹60,997 crore. Gujarat led in animal husbandry with 8.24 lakh accounts and ₹7,715 crore outstanding in 2025-26. The fisheries segment grew from 60,095 accounts in 2021-22 to 1.37 lakh accounts in 2025-26, with outstanding amounts increasing from ₹1,531 crore to ₹5,355 crore. Andhra Pradesh maintained leadership in fisheries with 16,431 accounts and ₹3,349 crore outstanding in 2025-26.
Non-Performing Assets Analysis
NPAs under KCC in Scheduled Commercial Banks totaled ₹95,269 crore across 64.63 lakh accounts in 2025-26. Uttar Pradesh had the highest NPA amount at ₹19,158 crore across 12.33 lakh accounts, followed by Maharashtra with ₹15,155 crore across 12.09 lakh accounts, and Madhya Pradesh with ₹12,130 crore across 4.71 lakh accounts. The overall NPA ratio showed improvement in several states, with Tamil Nadu reducing NPAs from ₹3,194 crore in 2021-22 to ₹1,765 crore in 2025-26.