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                <title>80% Chance of El Niño 2026: India Braces for Weak Monsoon </title>
                                    <description><![CDATA[<p><strong>UN and WMO warn of 80% chance of El Niño this year, raising concerns over deficient monsoon, drought, heatwaves and farm output in India. Impact on rainfall, food prices and rural economy explained. </strong></p>]]></description>
                
                                    <content:encoded><![CDATA[<a href="https://english.dainikjagranmpcg.com/international/80-chance-of-el-ni%C3%B1o-2026-india-braces-for-weak/article-19613"><img src="https://english.dainikjagranmpcg.com/media/400/2026-06/80--chance-of-el-niño-this-year,-un-warns-india-of-weak-monsoon.jpg" alt=""></a><br /><p dir="ltr" style="text-align:left;">The United Nations has issued a strong alert over the likely return of El Niño, with an 80 per cent probability of the climate pattern developing before September. The development has raised fresh concerns in India about a potentially deficient southwest monsoon and drought-like conditions in several parts of the country.</p>
<p dir="ltr" style="text-align:left;">The World Meteorological Organization (WMO) said there is a 90 per cent chance that El Niño conditions will persist through November. Most models suggest the event could be at least moderate in strength, and some experts believe it may rank among the stronger episodes in recent decades.</p>
<p dir="ltr" style="text-align:left;">Global temperatures set to rise further</p>
<p dir="ltr" style="text-align:left;">UN Secretary-General António Guterres described the forecast as “pouring fuel on the fire of a warming world.” He urged governments to prepare for intensified extreme weather events, including heatwaves, floods, and droughts.</p>
<p dir="ltr" style="text-align:left;">The WMO has also forecast above-average temperatures across most regions in the coming months. The previous El Niño of 2023-24 was among the five strongest on record and contributed to record global heat in 2024.</p>
<p dir="ltr" style="text-align:left;">How El Niño disrupts Indian monsoon</p>
<p dir="ltr" style="text-align:left;">El Niño occurs when sea surface temperatures in the central and eastern Pacific become unusually warm. This alters global atmospheric circulation, particularly the Walker Circulation, often weakening the flow of moisture towards the Indian subcontinent.</p>
<p dir="ltr" style="text-align:left;">In India, El Niño years are historically linked to below-normal rainfall, delayed monsoon onset, and uneven distribution. The India Meteorological Department (IMD) has already projected that the country may receive only about 92 per cent of normal rainfall this season. While some parts of the Northeast, Northwest, and South may fare better, large swathes of central and western India could see deficits.</p>
<p dir="ltr" style="text-align:left;"> Farming and rural economy at risk</p>
<p dir="ltr" style="text-align:left;">With over half of India’s farmland still dependent on monsoon rains, even a modest shortfall can have serious consequences. Lower crop output, especially in rain-fed regions, could hit farmer incomes and weaken rural demand. Kharif sowing, which begins in June-July, remains particularly vulnerable.</p>
<p dir="ltr" style="text-align:left;">Experts warn that prolonged dry spells during the second half of the monsoon (July-September) could worsen water shortages in reservoirs and rivers.</p>
<p dir="ltr" style="text-align:left;"> Heatwaves likely to intensify</p>
<p dir="ltr" style="text-align:left;">India is already seeing longer and more severe heatwaves due to climate change. El Niño conditions often amplify this trend. Central and northwestern states may face extended periods of extreme heat in the coming months.</p>
<p dir="ltr" style="text-align:left;">A recent Lancet study highlighted the scale of the problem. Heat exposure in 2024 alone led to the loss of an estimated 247 billion potential labour hours in India, mostly in agriculture and construction, causing economic losses of around $194 billion. Informal workers, daily wagers, and those in outdoor occupations remain the worst affected.</p>
<p dir="ltr" style="text-align:left;"> Food security and inflation concerns</p>
<p dir="ltr" style="text-align:left;">Global food supplies are already under pressure. A strong El Niño could further disrupt production in key regions, pushing up prices. In India, any significant shortfall in domestic output of rice, pulses, or oilseeds may increase food inflation, affecting households and government subsidy programmes.</p>
<p dir="ltr" style="text-align:left;">Officials are closely monitoring reservoir levels and groundwater situations. Some states have begun early planning for contingency measures, including cloud seeding in select areas and promotion of drought-resistant crop varieties.</p>
<p dir="ltr" style="text-align:left;"> Background and past lessons</p>
<p dir="ltr" style="text-align:left;">India has faced notable El Niño impacts in the past, including the severe drought years of 2002, 2009, and 2015-16. Each episode brought deficient rainfall and tested the country’s preparedness.</p>
<p dir="ltr" style="text-align:left;">However, improved forecasting, better irrigation coverage in some states, and expanded crop insurance have helped reduce vulnerability over the years. This time, the challenge is compounded by the long-term effects of climate change.</p>
<p dir="ltr" style="text-align:left;"> What lies ahead</p>
<p dir="ltr" style="text-align:left;">The IMD is expected to release its updated monsoon forecast in the coming weeks. Meanwhile, the government may accelerate preparations for water management and contingency planning at the state level.</p>
<p dir="ltr" style="text-align:left;">As the world heads into another period of climatic uncertainty, the UN warning serves as a timely reminder of the increasing frequency and intensity of such events. For India, the focus remains on minimising the impact on its 1.4 billion people, particularly those dependent on agriculture and vulnerable to extreme heat.</p>
<p style="text-align:left;"> </p>]]></content:encoded>
                
                                                            <category>International</category>
                                    

                <link>https://english.dainikjagranmpcg.com/international/80-chance-of-el-ni%C3%B1o-2026-india-braces-for-weak/article-19613</link>
                <guid>https://english.dainikjagranmpcg.com/international/80-chance-of-el-ni%C3%B1o-2026-india-braces-for-weak/article-19613</guid>
                <pubDate>Tue, 02 Jun 2026 18:29:18 +0530</pubDate>
                                    <enclosure
                        url="https://english.dainikjagranmpcg.com/media/2026-06/80--chance-of-el-ni%C3%B1o-this-year%2C-un-warns-india-of-weak-monsoon.jpg"                         length="175505"                         type="image/jpeg"  />
                
                                    <dc:creator><![CDATA[Abhishek Joshi]]></dc:creator>
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                <title> MP Wheat Procurement to Begin from April 9; Details Inside</title>
                                    <description><![CDATA[<p dir="ltr"><strong> Madhya Pradesh government announces wheat procurement dates starting April 9. Food Minister cites global conflict for jute bag delays; 80 lakh MT target set.</strong></p>
<p> </p>]]></description>
                
                                    <content:encoded><![CDATA[<a href="https://english.dainikjagranmpcg.com/states/madhya-pradesh/-mp-wheat-procurement-to-begin-from-april-9-details/article-16565"><img src="https://english.dainikjagranmpcg.com/media/400/2026-04/mp-wheat-procurement-to-begin-from-april-9;-details-inside.jpg" alt=""></a><br /><h3 dir="ltr">MP Wheat Procurement to Begin from April 9; Small Farmers to Get Priority</h3>
<h5 dir="ltr">Madhya Pradesh government reschedules wheat procurement to April 9-10; Food Minister attributes initial delays to global supply chain disruptions affecting jute bag availability.</h5>
<p dir="ltr">The Madhya Pradesh government has finalized the schedule for the state-wide wheat procurement for the current season, with purchases set to commence on April 9 and 10 across four major divisions. Chief Minister Dr. Mohan Yadav chaired two high-level review meetings on Sunday to streamline the logistics, emphasizing a farmer-centric approach that prioritizes small-scale cultivators.</p>
<h3 dir="ltr">Phased procurement across divisions</h3>
<p dir="ltr">The procurement drive will kick off in the Indore, Ujjain, Bhopal, and Narmadapuram divisions. Farmers in these regions can begin slot bookings starting April 7. For the remaining divisions of the state, the government has scheduled the commencement of the wheat procurement process from April 15.</p>
<h3 dir="ltr">Small farmers gain priority</h3>
<p dir="ltr">In a significant policy shift, CM Mohan Yadav instructed officials to ensure that small farmers are given the first opportunity to sell their produce. This move aims to provide immediate liquidity to those with limited holding capacity. Medium and large-scale farmers will be integrated into the process once the initial phase for small landholders concludes.</p>
<h3 dir="ltr">Resolving jute bag shortages</h3>
<p dir="ltr">Addressing the delay in the procurement schedule, Food and Civil Supplies Minister Govind Singh Rajput noted that global geopolitical tensions—specifically the ongoing wars—had hampered the supply of jute bags (bardana) through the Jute Commissioner in Kolkata. Minister Rajput assured that the state now has sufficient stock, with 50,000 bales already received and an equal amount in transit.</p>
<h3 dir="ltr">Strategic storage and logistics</h3>
<p dir="ltr">The state has set an ambitious target to purchase 78 to 80 lakh metric tonnes of wheat this year, surpassing last year’s 77 lakh metric tonnes. Government sources indicated that MP currently boasts a storage capacity of nearly 2.5 crore tonnes. To augment this, the administration is utilizing steel silos and has floated tenders for silo bags to prevent any wastage due to unseasonal rains.</p>
<h3 dir="ltr">Rigorous inspection of centers</h3>
<p dir="ltr">Chief Minister Yadav has directed departmental heads to conduct intensive inspections of all weighing centers before April 10. The administration is focused on ensuring basic amenities, including drinking water and shade, for farmers at these centers. "The goal is to ensure a seamless transition from procurement to transportation, keeping the grain safe from weather-related risks," an official spokesperson stated.</p>
<h3 dir="ltr">Impact on rural economy</h3>
<p dir="ltr">This wheat procurement cycle is a critical public interest story for Madhya Pradesh, as it directly impacts millions of households. With the latest news today confirming the availability of funds and logistics, the state expects a smooth operation. This India news update serves as a vital government update for the farming community awaiting the Minimum Support Price (MSP) benefits.</p>
<h3 dir="ltr">Future outlook for farmers</h3>
<p dir="ltr">As the trending news India turns its focus toward the Rabi harvest, the MP government’s proactive stance on PPP (Public-Private Partnership) bag procurement and transportation tenders suggests a robust mechanism is in place. The timely execution of this national and international news relevant process will determine the state's agricultural performance for the 2026 fiscal year.</p>
<p> </p>]]></content:encoded>
                
                                                            <category>States</category>
                                            <category>Madhya Pradesh</category>
                                    

                <link>https://english.dainikjagranmpcg.com/states/madhya-pradesh/-mp-wheat-procurement-to-begin-from-april-9-details/article-16565</link>
                <guid>https://english.dainikjagranmpcg.com/states/madhya-pradesh/-mp-wheat-procurement-to-begin-from-april-9-details/article-16565</guid>
                <pubDate>Mon, 06 Apr 2026 10:54:22 +0530</pubDate>
                                    <enclosure
                        url="https://english.dainikjagranmpcg.com/media/2026-04/mp-wheat-procurement-to-begin-from-april-9%3B-details-inside.jpg"                         length="108445"                         type="image/jpeg"  />
                
                                    <dc:creator><![CDATA[Abhishek Joshi]]></dc:creator>
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                <title>MP Farmers Loan Imbalance: Khargone's Rs 2,655 Crore Debt Crisis Exposes the Broken Promise to India's Agricultural Heartland</title>
                                    <description><![CDATA[<p>Khargone farmers carry a Rs 2,655 crore loan burden in MP — exposing deep cracks in India's farm credit system and the state's unfulfilled debt relief promises</p>]]></description>
                
                                    <content:encoded><![CDATA[<a href="https://english.dainikjagranmpcg.com/states/madhya-pradesh/mp-farmers-loan-imbalance-khargones-rs-2655-crore-debt-crisis/article-15113"><img src="https://english.dainikjagranmpcg.com/media/400/2026-03/mohan-govt&#039;s-rethink-of-shivraj&#039;s-policy-(1).jpg" alt=""></a><br /><div>
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<p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">A staggering Rs 2,655 crore in outstanding farmer loans in Khargone district alone — that number is not just a statistic. It is a measure of broken promises, policy gaps, and the quiet desperation of thousands of farming families in one of Madhya Pradesh's most agriculturally productive regions.</p>
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<h2 class="text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold">Khargone: The Cotton Belt Drowning in Debt</h2>
<p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">Khargone, nestled in the fertile Nimad Valley between the Satpura and Maikal ranges, is not a poor farming district by any standard. It is the cotton capital of Madhya Pradesh — often called the land of "white gold" — producing cotton across over 2.15 lakh hectares. It also grows wheat, maize, soybean, groundnut, arhar, and sugarcane, making it one of the state's most diverse and productive agricultural zones.</p>
<p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">And yet, despite all this agricultural wealth, Khargone's farmers are buried under Rs 2,655 crore in loans. The irony is painful. A district that feeds the state and contributes to export-grade cotton production cannot seem to free itself from the debt trap that swallows one generation of farmers after another.</p>
<hr class="border-border-200 border-t-0.5 my-3 mx-1.5" />
<h2 class="text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold">How Did It Get This Bad?</h2>
<p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">The causes are neither mysterious nor new. Farmers in Khargone, like most of rural MP, borrow heavily every kharif and rabi season — for seeds, fertilisers, pesticides, irrigation, and labour. When yields disappoint due to erratic rainfall, pest attacks, or market price crashes, the loan is not repaid. It rolls over. Interest compounds. A Rs 1 lakh loan quietly becomes Rs 2 lakh, then Rs 3 lakh.</p>
<p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">Three specific factors have made Khargone's debt load particularly severe:</p>
<ul class="[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3">
<li class="whitespace-normal break-words pl-2"><strong>Cotton price volatility</strong> — The Minimum Support Price (MSP) for cotton has repeatedly failed to keep pace with input costs, leaving farmers with slim or negative margins in bad years.</li>
<li class="whitespace-normal break-words pl-2"><strong>Delayed insurance payouts</strong> — Pradhan Mantri Fasal Bima Yojana claims in Khargone have a documented history of being slow, disputed, or underpaid. Farmers borrow to survive while waiting for insurance money that may never fully arrive.</li>
<li class="whitespace-normal break-words pl-2"><strong>Inadequate debt waiver coverage</strong> — Past loan waiver schemes, including the Congress-era Jai Kisan Fasal Rin Mafi Yojana, capped relief at Rs 2 lakh — a figure that does not reflect the actual debt reality of even a medium-scale farmer today.</li>
</ul>
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<h2 class="text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold">The Policy Arithmetic Doesn't Add Up</h2>
<p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">The Mohan Yadav government's Agriculture Cabinet, held in Barwani just weeks ago, approved a massive Rs 27,500 crore package for agriculture and farmer welfare across MP — a figure that sounds impressive until you measure it against the sheer scale of district-level distress. Khargone alone has Rs 2,655 crore in outstanding loans. Multiply that across MP's 55 districts and the magnitude becomes impossible to ignore.</p>
<p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">The government approved Rs 3,909 crore for short-term crop loan interest subsidy — allowing farmers to borrow up to Rs 3 lakh at zero percent interest through Primary Agricultural Credit Societies. It also sanctioned Rs 1,975 crore for Cooperative Banks Share Capital Assistance. These are welcome steps, but they address the next cycle of borrowing. They do not erase the existing mountain of debt.</p>
<p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">Zero percent interest on new loans is meaningless to a farmer who cannot repay the old ones.</p>
<hr class="border-border-200 border-t-0.5 my-3 mx-1.5" />
<h2 class="text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold">The Human Cost Behind the Numbers</h2>
<p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">Every crore in that Rs 2,655 crore figure represents real families. Cotton farmer Ramkishan in Bhikangaon. Soybean grower Kamlabai near Maheshwar. A sugarcane family in Kasrawad. These are not abstract borrowers — they are people who work 12-hour days in the field and go to sleep calculating how to survive the next EMI.</p>
<p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">Farm debt is directly linked to farmer suicide — a fact that India's NCRB data confirms year after year. Madhya Pradesh has consistently featured among the top states in farm distress indicators. Khargone's Rs 2,655 crore debt burden is not just a banking problem. It is a public health emergency.</p>
<hr class="border-border-200 border-t-0.5 my-3 mx-1.5" />
<h2 class="text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold">What the Government Must Do — And Do Now</h2>
<p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">The Mohan Yadav government has declared 2026 the "Farmer Welfare Year." That declaration now needs a concrete answer to Khargone's debt crisis. Three immediate actions are non-negotiable:</p>
<ul class="[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3">
<li class="whitespace-normal break-words pl-2"><strong>A district-specific debt restructuring programme</strong> for farmers with loans over Rs 2 lakh — the current waiver ceiling is outdated and inadequate.</li>
<li class="whitespace-normal break-words pl-2"><strong>Faster crop insurance settlement</strong> — PMFBY claims in Khargone must be audited and cleared within a fixed 30-day window after crop loss verification.</li>
<li class="whitespace-normal break-words pl-2"><strong>Price guarantee for cotton</strong> — MSP procurement must be activated immediately after harvest so farmers do not sell in distress to private traders at below-market rates.</li>
</ul>
<hr class="border-border-200 border-t-0.5 my-3 mx-1.5" />
<h2 class="text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold">Opinion: Farmer Welfare Year Cannot Just Be a Slogan</h2>
<p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">Declaring a Farmer Welfare Year while Khargone's farmers sit under Rs 2,655 crore of debt is like calling a drowning man a swimming champion. The government has the budgets, the Cabinet approvals, and the political will — or at least says it does.</p>
<p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">The real test is not in Nagalwadi where the Agriculture Cabinet sat in tribal attire for a photograph. The real test is in Khargone's villages, where a farmer is deciding tonight whether to take another loan or let this season go.</p>
<p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">Madhya Pradesh's farmers built the state's agricultural reputation over decades. They deserve more than another waiver scheme that covers half their debt and leaves the rest to compound.</p>
<hr class="border-border-200 border-t-0.5 my-3 mx-1.5" />
<p class="font-claude-response-body break-words whitespace-normal leading-[1.7]"><strong>Key Takeaways:</strong></p>
<ul class="[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3">
<li class="whitespace-normal break-words pl-2">Khargone district farmers carry Rs 2,655 crore in outstanding loans — a crisis in one of MP's most productive agricultural zones</li>
<li class="whitespace-normal break-words pl-2">Cotton price volatility, delayed insurance payouts, and inadequate waiver caps are the three main drivers</li>
<li class="whitespace-normal break-words pl-2">The Mohan govt's Rs 27,500 crore agriculture package addresses new lending, not existing debt</li>
<li class="whitespace-normal break-words pl-2">Experts call for debt restructuring beyond Rs 2 lakh, faster PMFBY settlements, and stronger MSP enforcement</li>
<li class="whitespace-normal break-words pl-2">Farmer Welfare Year 2026 must deliver on-ground relief, not just Cabinet announcements</li>
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                                                            <category>States</category>
                                            <category>Madhya Pradesh</category>
                                    

                <link>https://english.dainikjagranmpcg.com/states/madhya-pradesh/mp-farmers-loan-imbalance-khargones-rs-2655-crore-debt-crisis/article-15113</link>
                <guid>https://english.dainikjagranmpcg.com/states/madhya-pradesh/mp-farmers-loan-imbalance-khargones-rs-2655-crore-debt-crisis/article-15113</guid>
                <pubDate>Mon, 09 Mar 2026 12:44:03 +0530</pubDate>
                                    <enclosure
                        url="https://english.dainikjagranmpcg.com/media/2026-03/mohan-govt%27s-rethink-of-shivraj%27s-policy-%281%29.jpg"                         length="118243"                         type="image/jpeg"  />
                
                                    <dc:creator><![CDATA[Nitin Trivedi]]></dc:creator>
                            </item>
            <item>
                <title>Kisan Credit Card Loan Repayment Extended to 6 Years: RBI Proposes Major KCC Changes to Boost Modern and Organic Farming</title>
                                    <description><![CDATA[<p dir="ltr"><strong>Kisan Credit Card loan repayment extended to 6 years as RBI proposes new KCC guidelines supporting organic farming and soil testing.</strong></p>
<p> </p>]]></description>
                
                                    <content:encoded><![CDATA[<a href="https://english.dainikjagranmpcg.com/business/kisan-credit-card-loan-repayment-extended-to-6-years-rbi/article-14361"><img src="https://english.dainikjagranmpcg.com/media/400/2026-02/kisan-credit-card-loan-repayment-extended-to-6-years-rbi-proposes-major-kcc-changes-to-boost-modern-and-organic-farming.jpg" alt=""></a><br /><p dir="ltr">Kisan Credit Card Loan Repayment Extended to 6 Years: RBI Draft Guidelines Aim to Transform Agricultural Credit</p>
<p dir="ltr">In a major relief for farmers, the Kisan Credit Card (KCC) loan repayment period has been extended to six years under new draft guidelines released by the Reserve Bank of India. The move is aimed at making agricultural credit more flexible, modern, and aligned with current farming practices.</p>
<p dir="ltr">The RBI has invited public feedback on the proposed changes until March 6, 2026. If implemented, the revised Kisan Credit Card framework could significantly ease repayment pressure while promoting modern and organic farming methods across India.</p>
<p dir="ltr">What Is the Kisan Credit Card Scheme?</p>
<p dir="ltr">The Kisan Credit Card scheme was launched to ensure farmers get timely and affordable credit for agricultural and allied activities. Over the years, it has become a crucial financial tool for rural India.</p>
<p dir="ltr">Under the scheme, farmers can avail loans for:</p>
<p dir="ltr"> Crop cultivation (short-term and long-term)</p>
<p dir="ltr"> Post-harvest expenses</p>
<p dir="ltr"> Marketing of produce</p>
<p dir="ltr"> Maintenance of farm assets</p>
<p dir="ltr"> Domestic and allied activities</p>
<p dir="ltr">In 2019, the scheme was expanded to include Animal Husbandry, Dairy, and Fisheries sectors, widening its scope and impact.</p>
<p dir="ltr">Key Changes Proposed in RBI KCC Guidelines</p>
<p dir="ltr">The draft guidelines introduce several important reforms to strengthen agricultural credit delivery.</p>
<p dir="ltr">1. KCC Loan Repayment Extended to 6 Years</p>
<p dir="ltr">The most significant change is the extension of the KCC loan repayment tenure to six years. Earlier, repayment timelines were shorter, creating pressure—especially for long-duration crops. The new structure offers farmers more breathing space and financial stability.</p>
<p dir="ltr">2. Standardized Crop Season Duration</p>
<p dir="ltr"> 12 months for short-duration crops</p>
<p dir="ltr"> 18 months for long-duration crops</p>
<p dir="ltr">This standardization will ensure uniform loan sanction and repayment cycles across Commercial Banks, Small Finance Banks, Regional Rural Banks, and Rural Co-operative Banks.</p>
<p dir="ltr">3. Credit Limit Linked to Actual Cost of Cultivation</p>
<p dir="ltr">The drawing limit will now align with the “scale of finance” — the real cost of cultivation for each crop. This ensures farmers receive adequate credit without shortfalls.</p>
<p dir="ltr">4. Separate Support for Modern Agricultural Practices</p>
<p dir="ltr">The existing 20% additional provision for repair and maintenance of farm assets will now include:</p>
<p dir="ltr"> Soil testing</p>
<p dir="ltr"> Real-time weather forecasting</p>
<p dir="ltr"> Certification for organic farming</p>
<p dir="ltr"> Good Agricultural Practices (GAP) compliance</p>
<p dir="ltr">This marks a major shift towards technology-driven and sustainable farming.</p>
<p dir="ltr">Why This Matters Now</p>
<p dir="ltr">With rising input costs, climate uncertainty, and growing demand for organic produce, Indian agriculture is undergoing rapid transformation. The RBI’s proposed reforms come at a time when farmers need:</p>
<p dir="ltr"> Longer repayment flexibility</p>
<p dir="ltr"> Support for climate-resilient farming</p>
<p dir="ltr"> Access to scientific and sustainable practices</p>
<p dir="ltr">Agriculture experts believe the inclusion of soil testing and organic certification expenses will accelerate India’s push towards sustainable agriculture.</p>
<p dir="ltr">A senior rural banking consultant noted, “Extending the KCC loan repayment period and aligning credit with real cultivation costs can reduce farmers’ dependency on informal moneylenders.”</p>
<p dir="ltr">Benefits for Farmers</p>
<p dir="ltr">If implemented, the revised Kisan Credit Card rules will:</p>
<p dir="ltr"> Reduce financial stress due to longer tenure</p>
<p dir="ltr"> Provide adequate and realistic credit limits</p>
<p dir="ltr"> Promote adoption of modern and organic farming</p>
<p dir="ltr"> Lower dependence on high-interest informal loans</p>
<p dir="ltr">Overall, the reforms aim to make agricultural financing more practical, farmer-centric, and future-ready.</p>
<p dir="ltr">How to Submit Feedback</p>
<p dir="ltr">The RBI has invited feedback from stakeholders and the public until March 6, 2026. Individuals can share suggestions via email or through the official RBI website. Final guidelines will be issued after reviewing responses.</p>
<p dir="ltr">The extension of the Kisan Credit Card loan repayment to six years signals a progressive shift in agricultural credit policy. By supporting soil testing, weather forecasting, and organic certification, the RBI’s draft guidelines are not just easing repayment pressure — they are laying the foundation for modern, sustainable Indian farming.</p>
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                                                            <category>Business</category>
                                    

                <link>https://english.dainikjagranmpcg.com/business/kisan-credit-card-loan-repayment-extended-to-6-years-rbi/article-14361</link>
                <guid>https://english.dainikjagranmpcg.com/business/kisan-credit-card-loan-repayment-extended-to-6-years-rbi/article-14361</guid>
                <pubDate>Mon, 16 Feb 2026 19:25:14 +0530</pubDate>
                                    <enclosure
                        url="https://english.dainikjagranmpcg.com/media/2026-02/kisan-credit-card-loan-repayment-extended-to-6-years-rbi-proposes-major-kcc-changes-to-boost-modern-and-organic-farming.jpg"                         length="154854"                         type="image/jpeg"  />
                
                                    <dc:creator><![CDATA[Abhishek Joshi]]></dc:creator>
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