• Dr Satyapal Yadav

Loans for farmers are a vital component of overall strategy. The kisan credit card was designed to be a convenient and affordable way to provide loans to farmers. The concept allows for credit to be earned for non-crop related tasks together with credit for crop output. All of the country's financial institutions have begun implementing the programme as of the 1998–1999 fiscal year. This research set out to answer several questions about kisan credit cards, including how quickly their user base is expanding, how much it costs to use one, and how well it stacks up against traditional forms of credit. In order to evaluate the success of the Kisan Credit Card (KCC) scheme in India, researchers calculated the program's contribution to the overall amount of loans made available to the agricultural sector. There has been research into the total loan amount, number of members enrolled, and average loan amount per KCC from three distinct types of financial institutions: cooperative banks, regional rural banks, and commercial banks. A breakdown of their results by region shows a significant variation in quality. Case research conducted in Bihar shows a similar pattern, with significant variations in totals, card counts, and average values throughout the state's many districts. It has been established that KCC beneficiary farmers had greater gross returns and, by extension, larger net margins than non-beneficiary farmers. This paper investigates the Role, application, and utility of KCC in various existing research and ultimately try to find the key benefits of KCC.

Farmers, Kisan Credit Card (KCC), Loans for farmers.

"Kisan Credit Card: Role, Application, and Utility ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.5, Issue 10, page no.410-413, October-2018, Available :http://www.jetir.org/papers/JETIR1810B11.pdf

"Kisan Credit Card: Role, Application, and Utility ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.5, Issue 10, page no. pp410-413, October-2018, Available at : http://www.jetir.org/papers/JETIR1810B11.pdf