Kisan Credit Card: A Ray of Hope for Kashmir’s Agriculture

In Kashmir, where farming is not just a livelihood but a way of life, the Kisan Credit Card has quietly become a game-changer. It’s helping farmers dream beyond survivaltowards better harvests, stable incomes, and dignified futures.

- AROOJA BASHIR

For years, farmers in Kashmir have struggled with high interest loans and unpredictable incomes. Many were forced to sell their produce at low prices just to repay debts. But with the Kisan Credit Card (KCC) scheme, things are changing.

Across the Valley, farmers, fisherfolk, and livestock rearers are using KCC loans to improve their work and secure better earnings. Some have built cold storage units, others have upgraded their equipment, and many have started new businesses. Here are a few stories of how this small initiative is making a big difference in people’s lives.

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