KCC-MISS: every ₹1 adds ₹2.30 to farm value addition, finds ISEC assessment
A third-party assessment by ISEC Bengaluru found that every ₹1 invested under the Kisan Credit Card–Modified Interest Subvention Scheme adds ₹2.30 to net value addition in agriculture, the Finance Ministry said on 3 August 2026.
Summary
The Kisan Credit Card–Modified Interest Subvention Scheme (KCC-MISS) was assessed by the Institute for Social and Economic Change (ISEC), Bengaluru, which found that every ₹1 invested contributes ₹2.30 to net value addition in the agriculture and allied sector, the Finance Ministry said on 3 August 2026. The scheme's estimated subsidy outlay was ₹1.87 lakh crore from inception to 2024-25. The study found positive effects on cropping intensity, multi-season cultivation and credit discipline among farmers receiving the Prompt Repayment Incentive. The government has added digital tools such as the Kisan Rin Portal, Jan Samarth portal, e-KCC and KRISHIKA to streamline farm credit.
Key facts
- Scheme
- KCC – Modified Interest Subvention Scheme
- Assessor
- ISEC, Bengaluru
- Finding
- ₹1 invested → ₹2.30 net value addition
- Subsidy outlay
- ₹1.87 lakh crore (inception to 2024-25)
- Digital tools
- Kisan Rin Portal, Jan Samarth, e-KCC, KRISHIKA
Practice MCQs 3 questions
Which institution conducted the third-party assessment of the KCC–Modified Interest Subvention Scheme reported in August 2026?
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Correct answer: B — Institute for Social and Economic Change (ISEC), Bengaluru
The assessment was conducted through ISEC, Bengaluru.
According to the ISEC assessment, every ₹1 invested under KCC-MISS contributes how much to net value addition in agriculture and allied sectors?
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Correct answer: D — ₹2.30
Every ₹1 invested under KCC-MISS contributes ₹2.30 to net value addition; ₹1.87 lakh crore is the subsidy outlay till 2024-25.
Consider the following statements about KCC-MISS: 1. Its estimated subsidy outlay from inception till 2024-25 was about ₹1.87 lakh crore. 2. Farmers receiving the Prompt Repayment Incentive showed better credit discipline, according to the ISEC study. Which of the above is/are correct?
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Correct answer: C — Both 1 and 2
Both statements reflect the ISEC findings reported by the Finance Ministry.