A comprehensive analysis of progress, performance, and impact across different regions
In the heartland of Haryana, where agriculture forms the backbone of the economy, the Kisan Credit Card (KCC) scheme has emerged as a transformative financial tool for farmers. Introduced in 1998 by NABARD and the Ministry of Agriculture, this pioneering initiative was designed to provide timely credit access to farmers for their agricultural needs at affordable interest rates.
The scheme has evolved significantly since 1998, with recent integration with PM-KISAN, Jan Dhan, and Aadhaar databases in 2025 for streamlined processing 3 .
| Feature | Details |
|---|---|
| Interest Rate | 7% base rate, with 3% subvention for timely repayment = Effective 4% 3 8 |
| Credit Limit | Up to ₹5 lakh under interest subvention scheme 1 |
| Collateral Requirement | None for loans up to ₹2 lakh 8 |
| Repayment Period | Up to 12 months (renewable) 3 |
| Insurance Coverage | Linked to Pradhan Mantri Fasal Bima Yojana (PMFBY) 3 |
| Age Requirement | 18-75 years 5 |
Rohtak district benefits from a robust banking network that has facilitated the implementation of the KCC scheme across its various regions. The Sarva Haryana Gramin Bank, with its head office in Rohtak, operates across 22 districts of Haryana and has played a pivotal role in extending KCC facilities to farmers in the district 6 .
Strong network supporting KCC implementation
| Parameter | National Statistics | Relevance to Rohtak District |
|---|---|---|
| Total Amount Disbursed | ₹10.05 lakh crore (as of Dec 2024) 8 | Rohtak's share reflects its agricultural significance in Haryana |
| Beneficiaries | 7.72 crore farmers 8 | Includes substantial coverage across Rohtak's agricultural community |
| Growth Trend | More than doubled from ₹4.26 lakh crore in March 2014 8 | Indicates expanding access to formal credit in Rohtak over time |
| Recent Enhancement | Loan limit increased from ₹3 lakh to ₹5 lakh in Budget 2025 1 | Potential for higher credit access for Rohtak's farmers |
While comprehensive block-wise data for Rohtak specifically is limited, the overall patterns observed in Haryana suggest that more developed agricultural blocks have shown better KCC utilization with higher credit limits 3 .
Farmers in Rohtak access KCC through multiple banking channels, including public sector banks, private sector scheduled commercial banks, regional rural banks, and cooperative banks 5 .
The utilization patterns reflect Rohtak's diverse agricultural economy 5 :
Significant reduction in farmers' dependence on informal moneylenders who charge exorbitant interest rates 4 .
Enhanced credit access enabled investments in better agricultural inputs and modern equipment, leading to improved productivity .
Flexible coverage for both production and consumption needs provided comprehensive financial security for farming families.
| Research Component | Application in Rohtak Context |
|---|---|
| Secondary Data Analysis | Review of bank records, government reports on KCC coverage and utilization patterns across Rohtak |
| Structured Surveys | Administration of standardized questionnaires to KCC beneficiaries and non-beneficiaries across different blocks |
| Focus Group Discussions | Organized discussions with farmers, bankers, and agricultural officials to gather qualitative insights |
| Statistical Analysis | Use of appropriate statistical tools to identify correlations and patterns in KCC impact |
| Comparative Assessment | Analysis of differences in agricultural outcomes between KCC beneficiaries and non-beneficiaries |
The future of KCC in Rohtak will be shaped by increasing digitalization and technological integration. The government's efforts to link KCC with various databases create opportunities for more efficient service delivery 3 .
Addressing regional disparities requires targeted approaches:
The recent increase in KCC loan limit to ₹5 lakh presents significant opportunities for farmers in Rohtak to access larger credit for agricultural investments 1 2 . This enables investments in productivity-enhancing technologies and diversification into high-value agricultural enterprises.
Holistic approach combining credit with technology and markets
Investment in modern agricultural technologies
Enhanced resilience against agricultural shocks
The Kisan Credit Card scheme has emerged as a cornerstone of agricultural credit policy in Rohtak district, playing a pivotal role in transforming the agricultural economy and improving the lives of farmers across its diverse regions. While implementation has varied across different parts of the district, the overall impact has been undeniably positive, providing farmers with accessible, affordable, and timely credit for their agricultural needs.
As Rohtak's agricultural sector continues to evolve, the Kisan Credit Card scheme will need to adapt and innovate to meet emerging challenges and opportunities. Addressing regional disparities in access, enhancing digital integration, and developing more tailored products for different farmer segments will be crucial for maximizing the scheme's impact.
Through continuous refinement and targeted implementation, the KCC scheme can continue to serve as a vital catalyst for agricultural growth and rural prosperity across all regions of Rohtak district, contributing to a more sustainable and equitable agricultural future for this vibrant part of Haryana.