Kisan Credit Card FY25: Fewer Cards, Higher Credit
Why in the news
Latest data for FY25 showed an uneven picture for Kisan Credit Cards: fewer active cards but a bigger credit book.
Key facts
| FY25 indicator | Change |
|---|---|
| Operative KCCs | Down 2.7% year on year |
| Outstanding credit | Up 4.5%, above ₹6 trillion |
About the KCC scheme
- A single-window facility covering both working capital and investment credit.
- Serves farmers engaged in cultivation, animal husbandry and fisheries.
Significance
- Timely credit for farm and allied activity.
- The credit rise despite fewer active cards suggests heavier use or higher limits per card.
- Tracking the trend shows how accessible credit and financial inclusion are in rural agriculture.
Exam angle
- KCC type: single-window working capital plus investment credit.
- FY25 numbers: operative cards -2.7%; outstanding credit +4.5%.