Every ₹1 invested under Kisan Credit Card– Modified Interest Subvention Scheme (KCC-MISS) contributes ₹2.30 to net value addition in the agriculture & allied sector, Third-party Assessment says

A third‑party assessment by the Institute for Social and Economic Change (ISEC) of the Kisan Credit Card‑Modified Interest Subvention Scheme (KCC‑MISS) found that every ₹1 invested generates ₹2.30 of net value addition in the agriculture and allied sector. The scheme has disbursed an estimated interest‑subsidy of ₹1.87 lakh crore up to FY 2024‑25, helped raise cropping intensity and multi‑season cultivation, and improved credit discipline through the Prompt Repayment Incentive (PRI). It also supported dairy, livestock, inland fisheries and income diversification, especially in the North‑Eastern region. The government has increased the collateral‑free loan limit to ₹2 lakh (from ₹1.6 lakh) and introduced digital platforms such as Kisan Rin Portal, Jan Samarth, e‑KCC and KRISHIKA to streamline credit delivery.