Key Highlights of the Kisan Credit Card‑Modified Interest Subvention Scheme (KCC‑MISS) Review
The Ministry of Finance, on 3 August 2026, presented a third‑party assessment of the KCC‑MISS conducted by the ISEC. The report covers performance across India’s agro‑regions and outlines the impact of recent policy and technology measures.
Key Developments (2025‑26)
- Economic return: Every ₹1 invested under KCC‑MISS generates ₹2.30 of net value addition in agriculture and allied sectors.
- Interest subsidy: Cumulative subsidy outlay reached ₹1.87 lakh crore up to FY 2024‑25.
- Collateral‑free limit: Raised from ₹1.6 lakh to ₹2 lakh effective 1 January 2025.
- Technology rollout: Launch of Kisan Rin Portal, Jan Samarth portal, e‑KCC and KRISHIKA.
- Prompt Repayment Incentive (PRI): Farmers who repay on schedule receive additional credit benefits, improving bank confidence.
- Sectoral diversification: Credit extended to dairy, livestock, fisheries and animal husbandry, especially in the North‑Eastern region.
Important Facts from the Assessment
The assessment highlighted several quantitative outcomes:
- Crop‑intensity boost: KCC‑MISS beneficiaries cultivated larger areas, achieved higher cropping intensity and diversified crop portfolios.
- Working‑capital availability: Timely credit enabled prompt purchase of inputs, reducing yield gaps.
- Banking health: The scheme’s PRI reduced