Kisan Credit Card (KCC)
The Reserve Bank of India vide its circular FIDD.CO.FSD. BC.12/05.05.010/2018-19 dated February 04, 2019 has extended the KCC facility to Fish farmers/ fishermen and animal husbandry farmers for their working capital requirements. KCC is implemented by Commercial Banks, Cooperative Banks and Regional Rural Banks (RRBs) under the overall guidance of Department of Financial Services, Ministry of Finance.
Eligible Fish Farmers
Inland Fisheries and Aquaculture: Fishers, Fish Farmers (individual & groups/partners/share croppers/ tenant farmers), Self Help Groups, Joint Liability Groups and Women groups. The beneficiaries must own or lease any fisheries related assets such as pond, tank, open water bodies, raceway, hatchery, rearing units, boats, nets and such other fishing gear as the case may be and possess necessary authorization/certification as may be applicable in respective states for fish farming and fishing related activities and for any other State specific fisheries and allied activities.
Marine Fisheries: Beneficiaries listed above, who own or lease registered fishing vessel /boat, possess necessary fishing license/permission for fishing in estuary and sea, fish fanning/mariculture activities in estuaries and open sea and any other State specific fisheries and allied activities.
Scale of Finance: The amount of credit limit provided is as per Scale of finance for the crop (as decided by District Level Technical Committee/ State Level Technical Committee).
Credit Limit for interest subvention and prompt repayment incentive:
- For the existing KCC holders, the benefits of interest subvention and prompt repayment incentives will be admissible up to the credit limit of Rs. 3 lakhs, including fisheries activities.
- In the case of new card holders, the credit limit is Rs. 2 lakhs to meet the working capital requirements for fisheries activities.
- The farmers are provided a KCC loan at the subsidized interest rate of 7% (which is after giving an interest subvention of @ 1.5% to financial institutions/banks).
- An additional 3% interest subsidies are also given to the farmers for prompt and timely repayment of loans, thus reducing the effective rate of interest to 4% per annum.
- Collateral free loan limit for short term agri-credit (including the fisheries sector) has been raised from Rs.1.60 lakh to Rs.2.00 lakh by RBI.
Current Status of KCC Fisheries as on 21.11.2025:
Till date, total number of 4,94,405 KCC have been sanctioned to fishers and fish farmers with Disbursed Amount of Rs.3692.73crore. State-wise Progress of issuance of KCC for Fisheries Sector is attached at Annexure-I
India is the second largest fish producing country in the world and accounts for 9.64 percent of the global production. The total fish production during FY 2022-23 is estimated at 17.54MMT with a contribution of 13.11 MMT from Inland sector and 4.43 MMT from Marine sector. The annual average growth rate in the Fisheries sector has been 6.7% over the last five years. India is also a major producer of fish through Aquaculture and ranks second in the world after China. Inland fish production constitutes about 75 percent of the total fish production of the country.
| State / UT | KCC Fisheries as of 21.11.2025 | |||||
|---|---|---|---|---|---|---|
| Total No. of Applications | ||||||
| Total Target | Received | Accepted | Sanctioned | Pending > 15 Days | Rejected | |
| Andaman & Nicobar Islands | 20000 | 623 | 623 | 388 | - | 235 |
| Andhra Pradesh | 404000 | 34,866 | 34,682 | 28,216 | 60 | 6,372 |
| Arunachal Pradesh | 10000 | 331 | 331 | 221 | 1 | 109 |
| Assam | 350000 | 9,702 | 9,651 | 2,338 | 551 | 6,762 |
| Bihar | 400000 | 12,768 | 12,269 | 1,428 | 1,022 | 9,819 |
| Chandigarh | - | - | - | - | - | - |
| Chhattisgarh | 108000 | 11,800 | 11,779 | 4,119 | 525 | 7,135 |
| Dadra & Nagar Haveli | 7150 | 3 | 3 | 3 | - | - |
| Daman & Diu | 7150 | 96 | 96 | 74 | - | 22 |
| Delhi | 1000 | 84 | 84 | - | - | 84 |
| Goa | 8000 | 207 | 87 | 55 | - | 32 |
| Gujarat | 441800 | 23,777 | 23,282 | 13,504 | 85 | 9,693 |
| Haryana | 10700 | 839 | 833 | 360 | 10 | 463 |
| Himachal Pradesh | 5700 | 1,151 | 1,151 | 864 | 6 | 280 |
| Jammu & Kashmir | 4200 | 3,072 | 3,065 | 2,403 | 523 | 133 |
| Jharkhand | 150000 | 3,540 | 3,370 | 1,806 | 44 | 1,520 |
| Karnataka | 150000 | 33,465 | 32,238 | 14,998 | 225 | 17,000 |
| Kerala | 400000 | 15,735 | 15,687 | 13,529 | 17 | 2,135 |
| Ladakh | 100 | 1 | 1 | 1 | - | - |
| Lakshadweep | 6000 | 1,559 | 1,559 | 1,559 | - | - |
| Madhya Pradesh | 200000 | 1,77,751 | 1,76,142 | 1,12,064 | 2,747 | 61,159 |
| Maharashtra | 376000 | 33,315 | 33,203 | 10,804 | 1,519 | 20,876 |
| Manipur | 10000 | 440 | 440 | 102 | - | 338 |
| Meghalaya | 10000 | 591 | 591 | 375 | 18 | 198 |
| Mizoram | 5000 | 60 | 56 | 56 | - | - |
| Nagaland | 5000 | 95 | 95 | 82 | - | 13 |
| Odisha | 200000 | 12,014 | 11,912 | 2,576 | 261 | 9,065 |
| Puducherry | 11000 | 2,074 | 2,074 | 1,466 | - | 608 |
| Punjab | 5100 | 618 | 617 | 139 | 32 | 446 |
| Rajasthan | 16600 | 891 | 888 | 485 | 22 | 381 |
| Sikkim | 500 | 919 | 919 | 919 | - | - |
| Tamil Nadu | 400000 | 2,60,768 | 2,60,095 | 2,56,662 | 121 | 3,312 |
| Telangana | 358000 | 10,780 | 10,780 | 5,132 | 1,170 | 4,447 |
| Tripura | 5000 | 1,601 | 1,601 | 754 | - | 847 |
| Uttar Pradesh | 509000 | 35,918 | 35,241 | 12,470 | 888 | 21,799 |
| Uttarakhand | 5000 | 3,933 | 3,932 | 2,955 | 150 | 824 |
| West Bengal | 400000 | 3,865 | 3,855 | 1,498 | 9 | 2,348 |
| Grand Total | 50,00,000 | 6,99,252 | 6,93,232 | 4,94,405 | 10,006 | 1,88,455 |
