43
wanted to show high value crops in their cropping pattern to get sanctioned a
higher KCC loan limit irrespective of the crops being grown by them and the
bankers too oblige some farmers keeping in view the credit worthiness of those
farmers. However, when it came to the claiming the crop insurance, the same
had a problem.
Quantum of KCC loan
3.34 A huge difference in the quantum of KCC limit sanctioned to farmers across the
sample states was observed. The minimum amount of KCC loan was varying
from Rs. 5,000 in Bihar to Rs. 25,000 in Karnataka and the maximum amount
sanctioned was ranging between Rs. 82,600 in Assam to Rs. 25.0 lakh in Punjab
in case of sample borrowers.
Table- 3.8: Pattern in Sanctioned Amount under KCC to Sample Borrowers
Particulars/ Parameter Assam Bihar
UP Punjab Maha
Kar
Overall
No of Sample Farmers
104 120
124
120
119
127
714
Avg loan sanctioned per
farmer (Rs.)
38,618 78,681 1,14,887 4,83,406 1,08,008 1,58,491 1,66,320
Minimum sanctioned
amount (Rs.)
13,000 5,000 15,000 20,000 15,000 25,000
-
Maximum sanctioned
amount (Rs.)
82,600 3,00,000 3,00,000 25,00,000 17,00,000 7,30,000
-
No of cas-
es having
sanctioned
amount
during
2015-16
Up to Rs.
1.0 lakh 104
88
81
14
110
58
455
(63.7%)
Rs. 1.0 -3.0
lakh
0
32
43
48
7
63
193
(27.1%)
More than
Rs. 3.0 lakh 0
0
0
58
2
6
66
(9.2%)
Avg amt of loan & avg
size of holding of the
Farmers who were
sanctioned KCC > Rs.
3.0 lakh
Rs.
9,11,038
(13.67
acre)
Rs.
10,05,000
(27.4
acre)
Rs.
5,74,167
(6.99
acre)
Rs.
8,83,864
(13.4
acre)
3.35 The maximum KCC limit sanctioned to a borrower by a cooperative bank was
found to be quite high in Punjab, Maharashtra and Karnataka states. The highest
loan limit in case of sample farmers was Rs. 17,00,000 by Malvan branch of
DCCB, Sindhudurg followed by Rs. 4,71,900 by Jalal branch of DCCB, Bathinda,
Punjab; Rs. 3,51,000 by DCCB, Kapoorthala, Punjab; Rs. 3,10,000 by DCCB,
Akola, Maharashtra, Rs. 3,58,000 by DCCB, Dakshin Kannada and Rs. 2,90,000
by DCCB, Bellary.
3.36 In Assam, Bihar and Uttar Pradesh, the story was just opposite to that observed in
other three states. The maximum KCC limit fixed to any farmer was Rs. 3.0 lakh
(Uttar Pradesh). The comparison of loan amount assessed during the appraisal
and the actual loan disbursed to the farmer indicated a huge difference between the
two. For example, the KCC loan assessed in case of (A/c No 001671000000461)
