Uttar Pradesh Chief Minister Yogi Adityanath on Thursday stated it was true that the digital government has revolutionized the delivery of credit to farmers which allows those who work in agriculture to get loans in only five minutes via the electronic Kisan Credit Card (e-KCC) system.
Participating in speaking at the State Credit Seminar and at the time of the launch of the State Focus Paper 2026-27 at Lok Bhavan in Lucknow the chief minister emphasized the ways that technological innovations have drastically decreased the delays that were once a problem for the process of lending to farmers. “Earlier farmers used to wait between 30 days up to full month to receive loans via the Kisan Credit Card. Nowadays, with the digital system in place, credit can be readily available in just a few moments,” Adityanath said.
Digital Reforms Change Agricultural Credit
The chief minister has attributed this change to huge-scale digitalisation, e-governance and transparency of policy that have been implemented in the banking and cooperative sectors. These reforms, he claimed are in line with the goals that is “Sahkar Se Samriddhi”, which focuses on strengthening cooperatives and promoting economic growth.
In the e-KCC system:
- The loan applications are processed electronically
- Verification is done automatically
- The funds are dispensed quickly
- Delays and human interventions are minimized
Officials say this has greatly increased the availability of prompt credit, particularly in the crucial sowing and harvesting times.
UP Farmers Now Getting Loans Overview
| Category | Details |
| Announcement of | Yogi Adityanath |
| State | Uttar Pradesh |
| Scheme | Electronic Kisan Credit Card (e-KCC) |
| Time to Process a Loan | Around 5 minutes |
| Earlier Processing Time | 25-30 days |
| Technology Used | Digitisation and e-Governance |
| Agriculture Credit Target (2026-27) | Rs 3 lakh crore |
| Interest Rates for Farmers | 5-6 percent (with the government subsidy) |
| Supporting Institutions | Banking, NABARD, Cooperatives |
| Reform Vision | “Sahkar se Samriddhi” |
| Payment Mode | Direct credit from banks |
| Official Website | https://www.myscheme.gov.in/ |
Agriculture Credit Target Raised to ₹3 Lakh Crore
Adityanath declared that the agricultural credit goal for 2026-27 is set at 3 lakh crore that is an increase of almost 13 percent in comparison to previous years.
The target is higher because:
- The confidence of institutions in lending is growing
- More demand for investment in farms
- Expanding of related sectors such as fisheries, dairy and food processing
He said easier access to affordable credit would encourage farmers to adopt modern techniques and invest in productivity-enhancing technologies.
AI and Technology in Farming
In addition, the chief minister stated that his government working and with farmers examining the possibility of using technology in agriculture.
Inspiring of Prime Secretary Narendra Modi, he noted that the Union Budget has announced the launch of an AI-powered agriculture platform as well Uttar Pradesh is moving swiftly to join this effort.
AI-based interventions are likely to assist in the following areas:
- Crop forecasting
- Disease and pest detection
- Efficient resource use
- Linkage to the market and price discovery
Farmer Producer Organisations Felicitated
A number of farmers and Farmer Producer Organisations (FPOs) were honored at the event for their outstanding performance. Promoting inclusive growth models Adityanath highlighted:
- Kasya Milk Producer FPO operated by disabled individuals, with 1,005 members.
- A mustard producer located in Mathura is managed by 775 women and where value-added by processing has substantially increased the incomes
These models, he noted are inspiring and show how collective efforts can change the lives of rural people.
Cooperative Sector Reforms Under “Sahkar se Samriddhi”
The chief minister emphasized on the fact that the sector of cooperatives had been through major changes, which include:
- Full-scale digitisation
- Transparent governance structures
- Better accountability
These changes have increased the trust of farmers and helped improve the flow of funds through cooperative societies and cooperative banks.
He also said it was noteworthy that Uttar Pradesh is the first state in India to work in partnership with the World Bank in the agri-tech sector which demonstrates its leadership in the field of agricultural innovation.
Strengthening MSMEs, Exports, and Credit Flow
In a speech that highlighted economic indicators in general, Adityanath said:
- Uttar Pradesh has 96 lakh MSME units, supporting nearly three crore families
- State exports have increased from 84,000 million in the past to Rs1.86 million crore thanks to the One District One Product (ODOP) branding initiative
He also said to the report that ratio of credit deposit (CD) proportion within the State has risen significantly:
- From 43 percent 9 years ago
- To the current rate of 61 percent to 61 per cent
The aim is to raise the percentage to at least 62 percent by the end of March 2026 and to 65 percent by 2026 and 27.
Affordable Loans and Irrigation Support for Farmers
Adityanath claimed that the state has made concrete efforts to empower the marginal and small-scale farmers and marginal farmers, such as:
- Credit with 5-6 percent interest rates with the government absorbing the remainder of the cost of the subsidy
- Inspiring investments in the latest agricultural methods
He also spoke about the importance of infrastructure:
- 86 % of the agricultural land that is in this state being irrigated
- Electricity for free up to sixteen lakh tubeswells
- Free irrigation of canals
- Solar panel supplied to more than 1 lakh farmers
Uttar Pradesh’s Growing Economic Footprint
The chief minister stated that Uttar Pradesh has emerged as an important contributor to the economy of the nation.
The most important indicators are:
- Gross State Domestic Product (GSDP) expected to rise to 36 lakh crores on March 31st.
- Per per capita income growing from to Rs 43,000 in 2016 up to Rs 1.20 lakh
- The deficit in the fiscal year kept at or below 3 percent
He also said that, despite only 11% of the nation’s agricultural land, Uttar Pradesh contributes:
- 21 percent of India’s production of foodgrains
- The country is the first among ethanol production as well as sugar production
Coordinated Efforts for Growth and Self-Reliance
In his closing remarks, Adityanath stressed that coordinated efforts from the banks NABARD along with the financial institution in terms of credit training and delivery will significantly speed up:
- Employment generation
- Growth in the income of farmers
- Rural self-reliance
The introduction of five-minute loans via the eKCC is a major moment in Uttar Pradesh’s farming transformation. Through the combination of the benefits of digital governance, low-cost credit, and technology-driven farming, the state has been altering the way farmers can access financing, making it more efficient, fair in addition to more transparent.
As reforms continue to progress the model of Uttar Pradesh could be used as a model for other states that want to modernize agriculture credit system.
FAQ’s
Q1. What is e-KCC and how does it work?
The eKisan Credit Card is a digital copy of KCC which allows farmers to request and obtain loans online. It also comes with automated verification and faster payment.
Q2. How fast are loans issued through e-KCC?
As per the Uttar Pradesh government, eligible farmers are now able to get credit and loan approval with just 5 minutes via the digital system.
Q3. What was the loan approval time earlier?
In the past, farmers usually were waiting for 25 days to a month for loans under the conventional KCC procedure.
