• SHEELA B
• Dr. H. Rajashekar

The Kisan Credit Card (KCC) scheme is a flagship program and innovative credit intervention mechanism to facilitate adequate and timely credit in a hassle-free manner for the production, consumption as well as investment requirements of the farmers. This paper aimed at studying the conceptual framework of the Kisan Credit Card scheme and analysing the assessment of composite Kisan Credit Card limits for marginal, small, and large farmers. The study is based on secondary data taken from statistical reports of RBI and NABARD. The composite limit has been calculated in accordance with the Assessment Guidelines of RBI. It was found that Co-operative banks have issued the highest number of cards, however Commercial banks are ahead in terms of the amount sanctioned during the period of study. The authors opined that the KCC scheme is an influential instrument that ensures not only the financial inclusion of marginal and small farmers but also facilitates timely and adequate credit to the group of resource-constrained farmers by overcoming the challenges of prerequisite collaterals. It is concluded that to facilitate sufficient finance in a hassle-free way, still there is a need to build an enabling ecosystem with respect to policy interventions, institutional innovations, and digital technologies.

Kisan Credit Card, Agriculture Credit, Composite Limit, Marginal Farmers

"“Kisan Credit Card Scheme – An Ideal Trump Card For Agriculture Credit Delivery System”", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.9, Issue 12, page no.a47-a58, December-2022, Available :http://www.jetir.org/papers/JETIR2212007.pdf

"“Kisan Credit Card Scheme – An Ideal Trump Card For Agriculture Credit Delivery System”", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.9, Issue 12, page no. ppa47-a58, December-2022, Available at : http://www.jetir.org/papers/JETIR2212007.pdf