New Delhi, Aug. 5 -- The number of Kisan Credit Card (KCC) accounts in public sector banks declined marginally by 1.8 per cent year-on-year to 22.5 million in fiscal 2025, while the outstanding loan amount grew by a marginal 2.2 per cent growth to Rs.41,300 crore during the period, a senior government official said on the condition of anonymity.

The decline in activeKCC accounts reflects multiple structural shifts in rural lending, the official said.

"Farmers' incomes have improved over the years, with many moving out of farming, while in some states they increasingly prefer co-operative banks, NBFCs, or input-linkedcredit cards like fertilizer cards, reducing drawdowns from PSBs."

"Many KCCs from the aggressive drives of the 2000s rem...