Assessing the Implementation of the Kisan Credit Card Scheme: Inter-State
Patterns in Credit Allocation

Aarush Gupta

doi:10.46609/IJSSER.2026.v11i10.027

Title: Assessing the Implementation of the Kisan Credit Card Scheme: Inter-State Patterns in Credit Allocation
Authors: Aarush Gupta
Journal: International Journal of Social Science and Economic Research (IJSSER) ISSN: 2455-8834 Volume: 11 Issue: 10 Publication Date: October 2026 DOI: 10.46609/IJSSER.2026.v11i10.027
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Aarush Gupta Jayshree Periwal International School
MLA 8 Gupta, Aarush. "Assessing the Implementation of the Kisan Credit Card Scheme: Inter-State Patterns in Credit Allocation." Int. j. of Social Science and Economic Research, vol. 11, no. 10, Oct. 2026, pp. 5824-5842, doi.org/10.46609/IJSSER.2026.v11i10.027. Accessed Oct. 2026. APA 6 Gupta, A. (2026, October). Assessing the Implementation of the Kisan Credit Card Scheme: Inter-State Patterns in Credit Allocation. Int. j. of Social Science and Economic Research, 11(10), 5824-5842. Retrieved from https://doi.org/10.46609/IJSSER.2026.v11i10.027 Chicago Gupta, Aarush. "Assessing the Implementation of the Kisan Credit Card Scheme: Inter-State Patterns in Credit Allocation." Int. j. of Social Science and Economic Research 11, no. 10 (October 2026), 5824-5842. Accessed October, 2026. https://doi.org/10.46609/IJSSER.2026.v11i10.027.
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ABSTRACT: The Kisan Credit Card (KCC) scheme was introduced to reduce the dependence of Indian farmers on informal moneylenders. This paper assesses how the scheme has been implemented across states by examining the association of state-level KCC credit with various state-agrarian factors such as poverty, the size of the farm economy, input use, irrigation, household income, land ownership and the rural workforce in 2024. The relationship between poverty and credit is inconclusive. Credit is strongly associated with gross state value added in agriculture, fertilizer consumption and operational land holdings, while household income explains almost none of the variation in credit across states . This suggests that the scheme is strongly linked to existing agricultural advantage and formal land ownership, leaving tenant farmers, marginal holders and landless labourers outside the formal system. The paper suggests decoupling eligibility from land titles and setting regionally differentiated targets, so that credit reaches the states and groups that are currently excluded.

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