Srinagar, June 5: Chief Secretary Atal Dulloo on Thursday reviewed the implementation of agricultural credit schemes across Jammu and Kashmir and directed departments, banks and district administrations to accelerate credit outreach to farmers, entrepreneurs and Farmer Producer Organisations (FPOs).

Chairing a meeting of the Agriculture Production Department (APD), Dulloo stressed that affordable and accessible credit is key to unlocking the potential of agriculture and allied sectors in the Union Territory. He called for saturation of Kisan Credit Card (KCC) coverage, timely renewal of accounts and prompt disbursement of repayment incentives to eligible farmers.
The Chief Secretary directed officials to intensify awareness campaigns about various credit schemes and incentives, enabling beneficiaries to fully utilize available financial support. He also emphasized faster onboarding under the Unified Lending Interface (ULI) in areas where land records have been digitized and asked authorities to keep records updated alongside the generation of Farmer IDs.
Highlighting the importance of FPOs in strengthening rural economies, Dulloo urged the department to build their capacity and make them financially sustainable and credit-worthy. He suggested appointing departmental mentors to guide FPOs in meeting banking and credit requirements.
Reviewing district-wise performance, he asked Deputy Commissioners and banks to identify gaps and undertake focused interventions to improve outcomes. He also sought activity-wise data on agricultural term loans to identify sectors attracting the highest credit demand and explore their inclusion under Mission YUVA.
Additional Chief Secretary APD, Dr. Ashish Chandra Verma, presented an overview of the agricultural credit ecosystem and outlined progress under major schemes.
Officials informed the meeting that Jammu and Kashmir currently has around 11.57 lakh active KCC account holders, with nearly 3.5 lakh farmers availing prompt repayment incentives during the previous financial year. Around 7.99 lakh smart cards have been issued, while PM Fasal Bima Yojana coverage reached 41 percent during the Kharif season.
Under the Agriculture Infrastructure Fund, loans worth ₹680 crore have been sanctioned, with ₹431 crore disbursed among 392 beneficiaries. PMFME recorded disbursements of ₹22 crore in 545 cases during 2024-25, while loans worth ₹302.78 crore were sanctioned under HADP Credit, of which ₹172.69 crore has been disbursed.
The meeting was also informed that ₹604 crore in credit has been sanctioned to 67 FPOs, with ₹425 crore disbursed to 54 organisations. Under PM-KISAN, Jammu and Kashmir has around 9.16 lakh active beneficiaries, with significant progress achieved in land seeding, NPCI linkage and e-KYC compliance.
Officials said the upcoming “Khet Bachao Abhiyan” will be used as a platform to spread awareness about agricultural credit schemes and other initiatives aimed at strengthening the farming sector across the Union Territory.