Kisan Credit Card Statistics 2026: Operative Cards, Loans and State-wise Data
· 2 min read · 3 official sources
India had 7.28 crore operative Kisan Credit Cards at the end of 2025-26, with about Rs 10.08 lakh crore in loans outstanding, according to a Ministry of Finance reply in the Lok Sabha on 3 August 2026. Uttar Pradesh has the most cards, and 51 lakh cards now cover animal husbandry.
Kisan Credit Card (KCC): key numbers
Infographic
Operative KCCs and loans outstanding by year
All operative Kisan Credit Cards and the loan amount outstanding on them at the end of each financial year, as reported to the Lok Sabha on 3 August 2026.
| Year | Operative KCCs (crore) | Amount outstanding (Rs crore) |
|---|---|---|
| 2021-22 | 7.15 | 8,15,314 |
| 2022-23 | 7.35 | 8,85,464 |
| 2023-24 | 7.75 | 9,81,761 |
| 2024-25 | 7.72 | 10,20,072 |
| 2025-26 | 7.28 | 10,08,256 |
Source: pib.gov.in, as on 31 March 2026
Top 15 states by operative KCCs, 2025-26
States with the most operative Kisan Credit Cards at the end of 2025-26 and the loan amount outstanding in each.
| State | Operative KCCs (lakh) | Amount outstanding (Rs crore) |
|---|---|---|
| Uttar Pradesh | 98.60 | 1,39,986 |
| Rajasthan | 71.54 | 1,15,769 |
| Maharashtra | 61.30 | 75,143 |
| Madhya Pradesh | 58.41 | 87,391 |
| Andhra Pradesh | 52.84 | 70,906 |
| Karnataka | 49.03 | 67,398 |
| Tamil Nadu | 41.87 | 52,383 |
| Telangana | 41.36 | 52,342 |
| Odisha | 39.21 | 28,705 |
| Gujarat | 35.36 | 81,322 |
| West Bengal | 26.66 | 13,758 |
| Haryana | 24.29 | 54,746 |
| Kerala | 23.06 | 43,350 |
| Bihar | 22.29 | 18,782 |
| Punjab | 22.21 | 57,727 |
Source: pib.gov.in, as on 31 March 2026
KCCs for animal husbandry and fisheries
Operative KCCs issued for animal husbandry and for fisheries, with loans outstanding, at the end of each financial year.
| Year | Animal husbandry KCCs (lakh) | Animal husbandry outstanding (Rs crore) | Fisheries KCCs (lakh) | Fisheries outstanding (Rs crore) |
|---|---|---|---|---|
| 2021-22 | 15.08 | 15,216 | 0.60 | 1,531 |
| 2022-23 | 22.26 | 22,873 | 1.07 | 2,344 |
| 2023-24 | 40.07 | 46,166 | 1.20 | 4,096 |
| 2024-25 | 47.22 | 51,637 | 1.35 | 4,957 |
| 2025-26 | 51.26 | 60,997 | 1.38 | 5,355 |
Source: pib.gov.in, as on 31 March 2026
KCC applications processed by type of bank
Kisan Credit Card applications processed on the KCC platform by each group of lenders, and the number of banks onboarded in each group.
| Bank type | Applications processed (lakh) | Banks onboarded |
|---|---|---|
| Cooperative banks | 1030.0 | 374 |
| Commercial banks | 631.5 | 37 |
| Regional rural banks | 337.2 | 46 |
Source: pib.gov.in, as on 11 March 2026
How a Kisan Credit Card loan works
What the numbers show
India's Kisan Credit Card network is large but no longer growing. The Ministry of Finance told the Lok Sabha on 3 August 2026 that 7.28 crore KCCs were operative at the end of 2025-26, carrying Rs 10.08 lakh crore of outstanding loans. That works out to roughly Rs 1.38 lakh per card on average, although the spread between states is wide.
The trend over five years
Operative cards rose from 7.15 crore in 2021-22 to a peak of 7.75 crore in 2023-24, held at 7.72 crore in 2024-25, then fell to 7.28 crore in 2025-26. Outstanding credit grew faster than the card count until 2024-25, when it crossed Rs 10 lakh crore, and dipped slightly in 2025-26. The one clear growth area is allied activities: animal husbandry cards went from 15.08 lakh to 51.26 lakh in the same five years.
State differences
Uttar Pradesh alone holds about 13.5% of all operative cards. Rajasthan has about 27 lakh fewer cards than Uttar Pradesh but is not far behind on credit outstanding, Rs 1.16 lakh crore against Rs 1.40 lakh crore, while West Bengal and Bihar have many cards with small balances, around Rs 52,000 and Rs 84,000 per card. Gujarat, Punjab and Haryana show the opposite pattern, with fewer cards and larger loans per card. Some states grew in 2025-26, including Andhra Pradesh and Gujarat, while Uttar Pradesh, Maharashtra and West Bengal lost the most cards.
What the figures do not tell you
An operative card is an account that is open, not a farmer who borrowed this season, and one farmer can hold accounts at more than one bank. The totals also do not show how many loans are overdue: the same reply lists KCC non-performing assets separately for commercial banks. Finally, these are bank-reported accounts, not a count of eligible farmers still without a card.
Where to check the latest numbers
The Ministry of Finance publishes state-wise KCC tables in its replies to Parliament, released through PIB. The Department of Agriculture and Farmers Welfare runs the Kisan Rin Portal, which handles interest subvention claims, and NABARD and RBI publish bank-group data in their annual reports.
Frequently asked questions
How many Kisan Credit Cards are there in India in 2026?
There were 7,28,27,884 operative Kisan Credit Cards at the end of 2025-26, about 7.28 crore, according to the Ministry of Finance reply in the Lok Sabha on 3 August 2026. The figure was 7.72 crore a year earlier.
How much KCC loan is outstanding?
About Rs 10.08 lakh crore was outstanding on operative KCCs at the end of 2025-26, slightly below the Rs 10.20 lakh crore recorded at the end of 2024-25.
Which state has the most Kisan Credit Cards?
Uttar Pradesh, with 98.60 lakh operative cards at the end of 2025-26, followed by Rajasthan with 71.54 lakh and Maharashtra with 61.30 lakh. Rajasthan and Uttar Pradesh are the only states with more than Rs 1 lakh crore outstanding.
Why did the number of KCCs fall in 2025-26?
The official reply gives the numbers but not the reasons. Operative cards fell by about 44 lakh between 2024-25 and 2025-26, and the fall was largest in Uttar Pradesh, Maharashtra, West Bengal and Madhya Pradesh. Cards that are closed, expired or not renewed drop out of the operative count.
How many KCCs have been issued for dairy, animal husbandry and fisheries?
At the end of 2025-26 there were 51.26 lakh operative KCCs for animal husbandry with Rs 60,997 crore outstanding, and 1.38 lakh for fisheries with Rs 5,355 crore outstanding. Animal husbandry cards have more than tripled since 2021-22.
Eligibility, documents and how to apply: Kisan Credit Card (KCC) full guide
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Sources
This guide was checked against these official pages:
- pib.gov.in (www.pib.gov.in/PressReleasePage.aspx?PRID=2293813)
- pib.gov.in (www.pib.gov.in/PressReleasePage.aspx?PRID=2238004)
- pib.gov.in (www.pib.gov.in/PressReleasePage.aspx?PRID=2246855)