Usage and Delivery Channels of Kisan Credit Card

Principal Investigators: Parul Agarwal, Amulya Krishna Champatiray
Research Team: Parul Agarwal, Amulya Krishna Champatiray
LEAD Centre: Centre for Microfinance
Focus Area: Credit
Project Geography: Maharashtra and Tamil Nadu
Partner: NABARD
Status: Ongoing


The Kisan Credit Card was introduced in the year 1999 as a wholesome instrument of credit for farmers. This innovative credit delivery mechanism, with an expectation of meeting production credit requirements of farmers in a timely and hassle free manner, is currently being implemented in the entire country through a vast institutional credit framework involving commercial banks, regional rural banks (RRBs), and cooperatives. After 13 years of its implementation, the scheme is being revised to incorporate some additional features and flexibility that would make it a more desirable product to use for farmers, and a more hassle free product to deliver for bankers.

The study intends to outline the current status of the scheme, understand its economic impact, and identify the factors that affect or hinder the product’s uptake and usage. It also aims to understand the scope and demand of revised Kisan Credit Card scheme.

States of Maharashtra and Tamil Nadu have been selected for the study which is currently in the stage of instrument designing and sampling.