Study of farmers in eastern Uttar Pradesh have limitations when using the Kishan credit card and recovering loans under the program

Over 70% of the population in eastern Uttar Pradesh makes their living from agriculture. The large buffer stockpiles of grains that are accumulated from the excess production demonstrate food security. Agriculture's diversification and commercialism have caused a shift in cropping patterns from conventional crops to high-value crops and new markets. Since its 1998–1999 launch in India, the Kisan Credit Card Scheme has emerged as a premier initiative for short-term credit availability in the agriculture industry. While there is indication of convergence in terms of account customers, areas with originally higher lending in KCC continue to drift further away from other districts within Eastern Up. Lastly, there is no proof that KCC financing has an impact on agricultural productivity at the state or district levels. Despite being a good source of agricultural loan instruments, KCC's distribution in Uttar Pradesh was unimpressive. Similarly, loan recovery made possible by the KCC were ineffective. The National Bank for Agricultural and Rural Development, often known as Nabard, commissioned a study that found that many farmers who own Kisan Credit Cards are dissatisfied with the credit limit that has been granted to them. According to the survey, which involved 178 bank branches across 14 states, farmers anticipate improved services such as the ability to customize KCCs as cash-credit cards, the implementation of seasonal borrowing limitations, repayment flexibility, and little documentation.