2025, Vol. 10, Special Issue 7

The Kisan Credit Card is a simple card-cum-passbook system. Beneficiaries under the scheme receive a credit card along with a passbook or a credit card cum passbook. This document incorporates essential details such as name, address, particulars of land holding, borrowing limit, validity period, etc. The card serves both as an identity card and facilitates the recording of transactions on an ongoing basis. Farmers can obtain the Kisan Credit Card by approaching the nearest branch of any bank or Primary Agricultural Co-operative Societies (PACS). The purpose of the present work was to assess the performance of the Kisan Credit Card Scheme at Union Bank of India, Saoner Nagpur. Union Bank of India plays a pivotal role in economic development by providing loans that facilitate the functioning of the agriculture sector.

A field study was conducted during the fiscal year 2022-23 at the Union Bank of India Saoner branch in the Nagpur district. The study aimed to determine the utilization pattern of the Kisan Credit Card by farmers, analyze the constraints faced by farmers during the issuance of KCC and loan repayment, and develop strategies to overcome these constraints. Additionally, the study sought to analyze the performance of KCC in agricultural production, considering different classifications such as age group, landholding, level of literacy, etc. Information from agricultural practices in the villages served as a valuable source within the selected bank customers for this study.