KCC-MISS Scheme Assessment Reveals Significant Agricultural Value Addition
A third-party assessment conducted by the Institute for Social and Economic Change (ISEC), Bengaluru, has evaluated the Kisan Credit Card–Modified Interest Subvention Scheme (KCC-MISS) 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, demonstrating strong return on investment.
The scheme has significantly reduced the interest burden on farmers, with an estimated subsidy outlay of ₹1.87 lakh crores since inception until 2024-25. KCC-MISS has positively impacted cropping intensity and multi-season cultivation, with beneficiaries cultivating larger areas, achieving higher cropping intensity, and adopting more diversified crop portfolios across seasons supported by reliable irrigation and concessional credit.
Operational Performance and State-wise Distribution
As of 2025-26, the total number of operative Kisan Credit Cards stands at 7.28 crore accounts with an amount outstanding of ₹10.08 lakh crore. Uttar Pradesh leads with the highest exposure at 98.60 lakh accounts and ₹1.39 lakh crore outstanding, followed by Rajasthan (71.53 lakh accounts, ₹1.15 lakh crore) and Madhya Pradesh (58.41 lakh accounts, ₹87,391 crore).
The animal husbandry segment has shown substantial growth, increasing from 15.08 lakh accounts (₹15,216 crore) in 2021-22 to 51.25 lakh accounts (₹60,997 crore) in 2025-26. Gujarat leads in animal husbandry KCCs with 8.24 lakh accounts (₹7,715 crore), followed by Rajasthan (7.20 lakh accounts, ₹8,926 crore) and Tamil Nadu (8.30 lakh accounts, ₹8,110 crore).
The fisheries segment has also expanded from 60,095 accounts (₹1,531 crore) in 2021-22 to 1.37 lakh accounts (₹5,355 crore) in 2025-26, with Andhra Pradesh maintaining the largest share at 16,431 accounts (₹3,349 crore).
Credit Quality and Non-Performing Assets
Despite the expansion, NPAs under KCC in Scheduled Commercial Banks (excluding Regional Rural Banks) have shown mixed trends. Total NPAs stood at 64.63 lakh accounts amounting to ₹95,269 crore in 2025-26, slightly lower than the peak of 67.11 lakh accounts (₹97,418 crore) in 2024-25. Uttar Pradesh recorded the highest NPA volume at 12.33 lakh accounts (₹19,158 crore), followed by Maharashtra (12.09 lakh accounts, ₹15,155 crore) and Madhya Pradesh (4.71 lakh accounts, ₹12,130 crore).
Technological Interventions and Awareness Initiatives
The government has implemented several technological interventions to streamline agricultural credit delivery, including the Kisan Rin Portal, Jan Samarth portal, e-KCC, and KRISHIKA platform. Additionally, the collateral-free loan limit under KCC has been increased from ₹1.6 lakh to ₹2 lakh effective January 1, 2025. Regular awareness programs, IEC campaigns, and KCC Saturation campaigns are conducted by Union/State Governments, RBI, NABARD, State Level Bankers Committees, and banks to expand coverage and educate farmers about scheme benefits.