In a significant update presented in the Lok Sabha, the Ministry of Finance has detailed the progress of the Kisan Credit Card (KCC) Scheme in Maharashtra, highlighting substantial gains in farmer coverage, targeted outreach initiatives, and interest subvention support. The information was provided in response to an unstarred question regarding the performance and reach of the scheme over the last five years.
Steady Rise in KCC Disbursements Across Maharashtra
According to figures compiled by the State Level Bankers’ Committee (SLBC), Maharashtra, the last five years have witnessed consistent credit flow through KCCs, supporting farmers across the state, including the aspirational district of Dharashiv.
Statewide KCC Performance (2021–2026)
- KCC accounts opened ranged between 54 lakh and 62 lakh annually, with a total of 35.93 lakh accounts opened in 2025–26 (till September 2025).
- Annual disbursement values remained strong, touching ₹66,485 crore in 2024–25.
Dharashiv District Progress
Dharashiv, formerly Osmanabad and classified as an aspirational district, has shown steady growth:
- Annual KCC openings ranged from 1.40 lakh to 1.66 lakh, with 0.96 lakh accounts already opened in 2025–26 (till September).
- Credit disbursement touched ₹1,504 crore in 2024–25, showcasing strong demand and utilization.
Notably, the government clarified that farm-size–wise KCC data is not maintained.
Targeted Nationwide Campaigns Fuel Massive Expansion
To ensure farmers across categories—including women and tribal communities—benefit from KCC access, multiple campaigns were launched:
1. KCC Saturation Drive (Under Atma Nirbhar Bharat Abhiyan)
- Launched in February 2020, targeting 2.5 crore farmers with a ₹2 lakh crore credit boost.
- As of 14 November 2025, Maharashtra alone reported 83 lakh KCC accounts opened or renewed under this drive.
2. AHDF (Animal Husbandry, Dairy & Fisheries) Special Camps
- Weekly district-level camps held from 15 November 2021 to 31 March 2025.
- Resulted in 75,747 AHDF KCC accounts opened in Maharashtra, expanding coverage beyond cultivators.
3. Outreach Through Viksit Bharat Sankalp Yatra & PVTG Camps
- These initiatives focused on enrolling women farmers and those belonging to particularly vulnerable tribal groups, providing targeted assistance and awareness.
These campaigns underline the government’s push to make institutional credit accessible to marginalized agricultural communities.
Interest Subvention Scheme Offers Substantial Relief to Farmers
The Ministry also highlighted the financial incentives extended under the Modified Interest Subvention Scheme (MISS):
Key Features of MISS
- 1.5% interest subvention for short-term loans up to ₹3 lakh (₹2 lakh for allied activities).
- Concessional interest rate: Loans available at 7% per annum.
- 3% Prompt Repayment Incentive (PRI) reduces the effective rate to 4% for timely repayers.
- The Government of Maharashtra provides additional top-up incentives, further supporting farmers.
During FY 2024–25, a total of ₹17,811.72 crore was disbursed under MISS nationwide, including support to farmers in Maharashtra and Dharashiv.
