22
Progress in KCC Financing
2.1 The banking reforms during 1990s and the firstmajor debt waiver (the Agricultural
Rural Debt Relief Scheme, 1990) were considered to be major factors leading to
decline in flow of credit to agriculture sector in 1990s. Therefore, the Reserve
Bank of India appointed one man committee of Shri R V Gupta in December
1997 with a mandate to suggest measures for the removal of constraints faced
by commercial banks in increasing flow of credit to agriculture sector. The
committee found that apart from the negative mind set, there were a number
of procedural hassles and conceptual issues which caused decline in flow of
agricultural credit. The present chapter is devoted to analyze the progress in
implementation of Kisan Credit Card Scheme since its inception, i.e., 1998-99.
Progress under Kisan Credit Cards issued
2.2 The agency-wise number of KCC cards issued since inception of the scheme is
given in Table 2.1 and Chart 2.1 below.
Table 2.1: Agency-wise Kisan Credit Cards Issued during the year
(In Lakh)
Year
KCC Cards issued (lakhs)
% share in total no of cards issued
Coop RRBs Comm
Banks Total
Coop
RRBs
Comm
Banks
1998-99 01.56 0.06 6.22 7.84
19.90
0.77
79.34
1999-00 35.95 1.73 13.66 51.34 70.02
3.37
26.61
2000-01 56.14 6.48 23.90 86.52 64.89
7.49
27.62
2001-02 54.36 8.34 30.71 93.41 58.20
8.93
32.88
2002-03 45.79 9.64 27.00 82.43 55.55
11.69
32.76
2003-04 48.78 12.74 30.94 92.46 52.76
13.78
33.46
2004-05 35.56 17.29 43.95 96.8
36.74
17.86
45.40
2005-06 25.98 12.49 41.65 80.12 32.43
15.59
51.98
2006-07 22.97 14.06 48.08 85.11 26.99
16.52
56.49
2007-08 20.91 17.73 46.06 84.7
24.69
20.93
54.38
2008-09 13.44 14.14 58.30 85.88 15.65
16.46
67.89
2009-10 17.50 19.50 53.10 90.1
19.42
21.64
58.93
2010-11 28.10 17.70 55.80 101.6 27.66
17.42
54.92
2011-12 29.95 19.96 68.04 117.54 25.18
16.93
57.89
2012-13 26.79 20.30 82.43 129.52 20.68
15.67
63.65
2013-14 26.89 21.35 NA
2014-15 17.32 24.96 NA
Cumulative
since
inception
507.99 238.47 717.52* 1463.98 34.70 16.29 49.01
Source: (i) EPWRF (2014). Agric Credit in India: Trends, Regional Spreads & Database issues, NABARD
Occasional Paper No 59 for data from 1998-99 to 2011-12.
(ii)*(cumulative Comm Bank) State-wise Progress of Kisan credit Cards issued by commercial
banks in India (as on 31.03.2015):
(accessed on 07 Apr 2016).
CHAPTER
2
