Impact of Jan Samarth based Kisan Credit Cards (KCC) on Marginal and small Farmers in Vidarbha Region, Maharashtra State India

Author(s)	Mr. Manoj Pagare, Dr. Vinod GAwande
Country	India
Abstract	The introduction of the Jan Samarth Portal on June 6, 2022, revolutionized government-backed, credit-linked schemes by serving as a single-window digital platform connecting lenders directly to beneficiaries. Achieving significant reach across 16 credit-linked schemes and 8 loan categories—including Kisan Credit Cards (KCC)—the platform streamlines delivery through automated database integration and in-principle digital sanctions. This study analyzes the impact and disbursement trends of Jan Samarth-based Kisan Credit Cards, focusing specifically on Maharashtra and its Vidarbha region. Over the five-year evaluation period (2021–2022 to 2025–2026), Maharashtra emerged as a primary beneficiary, accounting for over 54% of sanctioned applications. Despite fluctuating cumulative disbursements and a notable credit correction phase in 2025–26, the portal has successfully enhanced financial inclusion, reduced procedural bottlenecks, and widened credit accessibility for small and marginal farmers.
Keywords	Jan Samarth Portal , Kisan Credit Card (KCC), Financial Inclusion, Agricultural Credit, Vidarbha Region, Maharashtra
Field	Business Administration
Published In	Volume 8, Issue 5, September-October 2026
Published On	2026-10-15

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