KCC- MISS has Positively Impacted Cropping Intensity and Multi-Season Cultivation
Government Introduces Several technological interventions such as Kisan Rin Portal, Jan Samarth portal, e-KCC, KRISHIKA to Streamline Agricultural Credit Delivery Process
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.
