70
Extent of Coverage under RuPay Cards
Farmers’ Perspective
4.33 The status of issuance of RuPay card to sample farmers by selected bank branches
is presented in Table 4.3. The number of farmers who got issued the RuPay
Cards accounted for 27 per cent of the total sample KCC farmers. It is observed
from Table that the 98 sample farmers (39%) out of 251 in case of RRBs, 71
sample farmers (30%) of 239 in case of commercial banks and just 24 sample
farmers (11%) out of 224 had got issued RuPay cards, although commercial
banks (59%) were ahead in issuing the RuPay card followed by RRBs (30%) and
the cooperatives (12%) if we take the figures for the entire branch into account in
case of sample branches.
Table 4.3: Status of KCC RuPay Cards issued to Sample farmers
Particulars/ Parameter Total Assam Bihar UP Punjab Maha Kar
No of Branches
(banks) covered Total
71 (32)
10 (5) 13 (6) 12 (6) 12 (6) 12 (7) 12 (5)
No of sample
farmers
Comm.
Banks
239 40
38 42 40
39 40
RRBs
251 40
46 43 40
40 42
Coop Banks 224 24
36 39 40
40 45
Total
714 104 120 124 120 119 127
No of sample
farmers got is-
sued the RuPay
Card
Comm.
Banks
71
12
7
25
5
11 11
RRBs
98
31
17 26
8
10
6
Coop Banks 24
0
0
4
0
10 10
Total
193 43 24 55 13 31 27
No of sample
farmers using
their cards on
ATM
Comm.
Banks
38
5
2
13
1
0
10
RRBs
50
11
4
12
4
0
0
Coop Banks 10
0
0
0
0
8
0
Total
98 14
6 25
5
8
0
No of sample
farmers taking
help of others
for operating
on ATMs
Comm.
Banks
31
5
2
7
1
0
1
RRBs
31
9
3
9
2
0
0
Coop Banks 8
0
0
0
0
1
0
Total
70 14
5 16
3
1
1
Percentage Share
No of sample
farmers got is-
sued the RuPay
Card as % of KCC
accounts
Comm.
Banks
29.7 30.0 18.4 59.5 12.5 28.2 27.5
RRBs
39.0 77.5 37.0 60.5 20.0 25.0 14.3
Coop Banks 10.7
0.0 0.0 10.3
0.0 25.0 22.2
Total
27.0 41.3 20.0 44.4 10.8 26.1 21.3
