B. Rajesh Reddy

Kisan Credit Card Scheme in India: Growth, Utilisation Patterns, Impact and Implementation Constraints

B. Rajesh Reddy, Dilip R. Vahoniya, Bhautik Bagda & Khushboo Kumari · Journal of Economics, Management and Trade · 2026

In 1998, India launched Kisan Credit Cards to give farmers easy access to timely credit for crop needs, replacing costly moneylenders who charged 24-36 per cent interest. This review synthesises various studies from the last 20 years and RBI, NABARD data, tracing KCC growth from...