Farmers in Uttar Pradesh no longer need to wait weeks for Kisan Credit Card loans. The state government has cut the loan approval time to just five minutes through the e-KCC system. Chief Minister Yogi Adityanath said this change shows how digital governance is directly helping farmers, making credit faster, simpler, and stress free.
How Loan Delays Became History
Earlier, applying for a KCC loan was a slow process. Farmers often waited 25 days or even a full month. Paperwork moved slowly and approvals took time. CM Yogi said that system has now changed completely. With e-KCC, loan processing is digital, quick, and transparent. For farmers, this means money arrives when it is actually needed, not after the season passes.
What CM Yogi Said At State Credit Seminar
The Chief Minister shared these updates while addressing the State Credit Seminar for 2026-27 in Lucknow. The event marked the release of the State Focus Paper, which outlines credit plans for the coming year. He said digital tools are not just technology upgrades, they are solutions to long-standing problems faced by farmers and small businesses.
Big Credit Target Set For Agriculture
For the financial year 2026-27, Uttar Pradesh has set an agricultural credit target of three lakh crore rupees. This is around 13 percent higher than previous years. The goal is to ensure that farmers, dairy producers, and rural entrepreneurs get enough financial support. CM Yogi said higher credit flow will lead to higher productivity and better rural incomes.
AI And Technology Enter Farming
The Chief Minister also spoke about using artificial intelligence in agriculture. He said the government and farmers are exploring AI-based models to improve productivity and efficiency. During the seminar, several examples were presented. One was the Kasya Milk Producer Company Limited, run by differently-abled persons. It has over one thousand members and shows how technology and inclusion can work together.
Farmer Groups Changing Rural Economy
CM Yogi highlighted the role of farmer producer organisations. He mentioned a mustard production company in Mathura run by 750 women. By linking farming with processing, these women improved profits and market access. The government, he said, will continue supporting such initiatives because they create local jobs and stable income.
Cooperative Sector Sees Major Turnaround
The cooperative sector in Uttar Pradesh has seen a big transformation. Before 2017, many cooperative banks were in bad shape. Some were even declared defaulters by the RBI. CM Yogi said that out of 16 such banks, 15 are now profitable. Efforts are ongoing to revive the remaining one. Digitisation and transparent policies played a key role in this recovery.
UP Leads In Agri Tech Collaboration
Uttar Pradesh is the first state in India to work with the World Bank in agri-tech. Agriculture, MSMEs, women-led enterprises, agri-tech, and youth entrepreneurship remain top priorities. The government believes that technology combined with credit access can reshape rural development in the state.
MSMEs And ODOP Drive Growth
The MSME sector earlier faced heavy decline. This changed with the One District One Product initiative. CM Yogi said UP now supports 96 lakh MSME units, helping nearly three crore families. The state also provides five lakh rupees security insurance to MSMEs. Exports have grown sharply after linking ODOP with better technology, packaging, and market access.
Strong Banking And Infrastructure Support
The credit-deposit ratio in the state has improved from 43 percent to 61 percent over nine years. Targets are even higher for the coming years. Infrastructure support for farmers has also expanded. Around 86 percent of land is irrigated. Free electricity is provided to tube wells, canal irrigation is free, and solar panels have reached one lakh farmers.
What This Means For Farmers Ahead
CM Yogi urged banks to further simplify loan conditions. He asked them to support farmers, FPOs, MSMEs, and cooperative institutions actively. With faster loans, better infrastructure, and strong policy backing, farmers in Uttar Pradesh are now better placed to plan, invest, and grow without waiting endlessly for credit.