50
Table- 3.13: Benefit from KCC Loan net of Interest Burden to the Farmers
Sl
State
District
Average
loan
per
acre
Annual interest burden per
acre per annum In-
crease
in farm
income
per
acre
due to
KCC
Gain per acre per annum
net of interest
9% #
7% on
portion
eligible
for IS
& 9%
on rest
amt
4% on
portion
eligible
for IS
& 9%
on rest
amt
9% #
7% on
portion
eligible
for IS
& 9%
on rest
amt
4% on
portion
eligible
for IS &
9% on
rest amt
1
Assam
Jorhat
12409 1117 869 496 5473 4356 4604 4977
Darrang 18333 1650 1283 733 1716 66 433 983
2
Bihar
Gaya
17621 1586 1233 705 2228 642 994 1523
Begusarai
17029 1533 1192 681 4400 2867 3208 3718
3
U. P.
Var/ Bij
28961 2606 2027 1158 7024 4418 4997 5866
Moradabad 38643 3478 2705 1546 13657 13188 13961 15120
4
Punjab
Kapurthala 49186 4427 4222 3916 5319 4508 4712 5019
Bathinda 51742 4657 4293 3747 11609 5378 5742 6287
5
Maha
Akola
13593 1223 952 544 858 -366 -94 314
Sindhudurg 27483 2473 2063 1447 4650 2177 2587 3203
6
Kar
Dakshin
Kannada 38897 3501 2917 2041 3906 406 989 1865
Bellary
23637 2127 1697 1053 1609 -359 71
716
Total sample
31923 2872 2489 1915 5463 2591 2974 3548
Note: # since 2% subvention is given to banks so that they lend at 7% to the farmers, it is assumed that
banks would be lending to farmers at 9% in absence of interest subvention scheme.
Table- 3.14: Apportionment of KCC loans towards amount
not eligible for Interest subvention
Sl
State District
No of Sample HHs
Avg land holding (acre)
Average amount of loan per
Farmer (Rs.)
Dis-
trict
total
HHs
issued
loan
less
than
Rs. 3.0
lakh
HHs
issued
loan
more
than
Rs. 3.0
lakh
Dis-
trict
total
HHs
issued
loan less
than Rs.
3.0 lakh
HHs
issued
loan
more
than Rs.
3.0 lakh
District
total
HHs
issued
loan <
Rs. 3.0
lakh
HHs
issued
loan >
Rs. 3.0
lakh
1
Punjab
Ka-
purthala 60
24 36 10.42 5.38
13.78 512518 266162 676756
2
Bathinda 60
38 22 8.78 6.05
13.49 454293 252121 803500
3
Maha
Sindhu-
durg
59
57
2 4.9 4.11
27.4 134668 104130 1005000
4
Kar
D. Kan-
nada
60
55
5 4.37 4.33
4.86 169980 139160 509000
5
Bellary 67
66
1 6.27 6.11
17.66 148202 136811 900000
