26
2.6 As for the amount of credit flow under KCC is concerned (Table 2.3), it appears
that despite a growing share of crop loan (vis-à-vis agricultural term loan) in total
agricultural credit, the share of credit flow under KCC in total agricultural credit
flow has tended to continuously fall until 2009-10. It had declined from 41.68%
in 2001-02 to 15% in 2009-10 but only fractionally edged up to approx. 18% in
2011-12.
Table 2.3: Total Flow of Credit to Agriculture and KCC share during the year
(Amt in Rs. Crore)
Year
Flow of Credit to Agriculture
Credit Flow under KCC KCC as
% of to-
tal Agri
Credit
Coop RRBs Comm
Banks
Other
Agen-
cies
Total Coop RRBs Comm
Banks Total
2000-01 20712 4220 27807 82 52821 9412 1400 5615 16427 31.10
2001-02 23524 4854 33587 80 62045 15952 2382 7524 25858 41.68
2002-03 23636 6070 39774 80 69560 15841 2955 7481 26277 37.78
2003-04 26875 7581 52441 84 86981 9855 2599 9331 21785 25.05
2004-05 31231 12404 81481 193 125309 15597 3833 14756 34186 27.28
2005-06 39404 15223 125477 382 180486 20339 8583 18780 47702 26.43
2006-07 42480 20435 166485 -
229400 13141 7373 19786 40300 17.57
2007-08 48258 25312 181088 -
254658 19991 8743 19900 48634 19.10
2008-09 45966 26765 228951 226 301908 13172 7632 25865 46669 15.46
2009-10 63497 35217 285800 -
384514 7606 10132 39940 57678 15.00
2010-11 78007 44293 345877 114 468291 10719 11468 50438 72625 15.51
2011-12 87963 54450 368616 -
511029 10640 11520 69510 91670 17.94
2012-13 111203 63681 432491 -
607375 11174 12836 NA -
-
2013-14 119964 82652 509005 -
711621 10825 20689 NA -
-
2014-15 138469 102483 599691 -
840643 7322 24248 NA -
-
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.
Coverage of Farmers by Kisan Credit Cards
What is the actual number of KCC issued?
2.7 As already indicated, the figure of operative/ live KCC at 7.41 crore (Table 2.2/
2.4) may be considered a little close to the actual number of farmers covered
under the KCC Scheme in the absence of any other reliable data on the same. But,
it is very difficult to estimate the actual number of agricultural/ rural households
covered by the KCC Scheme because of the following factors:
(i) Banks provide data on number of KCC issued during a particular year
but they cannot segregate those accounts into number of farmers got KCC
issued for the first time in their life, the number of farmers got issued fresh
KCC from this bank but they had availed KCC earlier from some other bank
prior to this, the number of existing KCC farmers who just got renewed
their KCC accounts, etc.
