International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

Call for Paper Volume 8, Issue 2 (March-April 2026) Submit your research before last 3 days of April to publish your research paper in the issue of March-April.
Submit Research Paper Join as a Reviewer

Plagiarism is checked by the leading plagiarism checker TurnItIn

Call for Paper

Volume 8 Issue 2
March-April 2026

Submit your research paper

Indexing Partners
Academia Advanced Sciences Index Bielefeld Academic Search Engine CiteSeer DRJI Google Scholar Independent Search Engine & Directory Network ISI (International Scientific Indexing) Issuu Mendeley Research Networks
RefSeek ResearcherId - Thomson Reuters ResearchGate Scirus Scribd Semantic Scholar UTeM - Universiti Teknikal Malaysia Melaka Wiki for Call for Papers WorldCat Zenodo

Impact of Kisan Credit Card Scheme on Farmers' Financial Stability

Author(s) Ms. VIDYESWARI K
Country India
Abstract The Kisan Credit Card (KCC) scheme, introduced by the Government of India, aims to provide farmers with timely and affordable credit to support agricultural activities, thereby reducing their dependency on high-interest informal sources like moneylenders. This study evaluates the impact of the KCC on the financial stability of farmers by examining its role in improving access to institutional credit, enabling investments in agricultural inputs, and enhancing overall financial resilience. The data, collected from 50 farmers across various regions, shows that the majority experienced a significant reduction in their reliance on moneylenders and were able to make greater investments in farming, resulting in improved productivity. Despite these positive outcomes, challenges such as regional disparities in KCC coverage, limited loan amounts, delayed disbursements, and financial literacy gaps persist, preventing some farmers from fully benefiting. Additionally, some farmers reported issues with timely repayment due to rising input costs and climate-related risks. This study highlights the need for further strengthening the KCC scheme to address these gaps, improve financial literacy, and ensure better access for small and marginal farmers. In conclusion, while the KCC has significantly contributed to enhancing financial security and agricultural productivity, targeted reforms are necessary to maximize its benefits for all farmers.
Keywords Kisan Credit Card, Financial Stability, Agricultural Credit, Farmers, Moneylenders, Institutional Credit, Financial Inclusion, Rural Development, India, Credit Access, Agricultural Investment, Financial Literacy
Field Business Administration
Published In Volume 8, Issue 2, March-April 2026
Published On 2026-03-26
DOI https://doi.org/10.36948/ijfmr.2026.v08i02.72453
View / Download PDF File

Share this



E-ISSN 2582-2160
CrossRef

CrossRef DOI is assigned to each research paper published in our journal.

IJFMR DOI prefix is
10.36948/ijfmr

Downloads
Research Paper Format Copyright Permission Form and Undertaking Form Cover Page Vol 8 Isu 2Cover Page Vol 8 Isu 1Cover Page Vol 7 Isu 6

All research papers published on this website are licensed under Creative Commons Attribution-ShareAlike 4.0 International License, and all rights belong to their respective authors/researchers.

CC-BY-SA Open Access

About IJFMR
Fees & Payment
Current Issue
Publication Archive 		Submit Research Paper
Track Submission Status
Publication Guidelines
Publication Ethics
Peer Review & Plagiarism 		Join as a Reviewer
Editors & Reviewers
Reviewer Referral Program
Get Reviewer Membership Certi. 		Website/Journal Policies
Usage Policy
Content Policies
Privacy Policy
Contact Us +91-9687-828-838 editor@ijfmr.com
Powered by Sky Research Publication and Journals