AI SummaryMadhya Pradesh government is running Kisan Credit Card Scheme for Fisheries as a part of Mukhyamantri Machhua Samridhi Yojana, and fish farmers can get working capital at zero percent interest through cooperative banks. State cabinet has approved ₹200 crore for this scheme for the years 2026-27 and 2027-28, so the KCC interest subsidy support continues for two more years.
Fisheries Welfare and Fisheries Development Department, Madhya Pradesh runs this scheme fully with state funds. Fish farmers, fishermen cooperative societies and self help groups working in fish farming can apply at their district fisheries office. Along with the credit card support, the same scheme gives 40 percent subsidy on fish seed rearing and prawn farming units.
Kisan Credit Card Scheme for Fisheries Under Mukhyamantri Machhua Samridhi Yojana
Fish farming needs money every season. Seed, feed, netting, pond repair, labour, all of it comes before the fish is sold. That is where this credit card helps. Loan is given through cooperative banks and the interest part is paid by the state, so the farmer repays only the principal if repayment conditions are met on time.
Scheme started after the cabinet decision of 09 November 2022 for the years 2022-23 and 2023-24, and it has been carried forward since. In 2026 the scheme is running with fresh money approved for two more financial years. Loan limit is not fixed by the department. Bank decides your limit as per its own norms and your fish farming activity, same way a normal KCC limit is worked out for crop farmers.
Key Information
| Scheme Name | Kisan Credit Card Scheme for Fisheries - Mukhyamantri Machhua Samridhi Yojana |
|---|---|
| Level | State |
| Scheme For | Individual |
| Beneficiary States | Madhya Pradesh |
| Category | Agriculture, Rural & Environment, Banking, Financial Services and Insurance |
| Interest Rate | Zero percent through cooperative banks (interest subsidy by state) |
| Budget Approved | ₹200 crore for 2026-27 and 2027-28 |
| Benefit Type | Cash credit / working capital |
| Application Mode | Offline at District Fisheries Office and cooperative bank |
| Main Department | Fisheries Welfare and Fisheries Development Department, Madhya Pradesh |
| Official Website | mpfisheries.gov.in |
2026 Update on the Scheme
Cabinet has cleared ₹200 crore to continue Mukhyamantri Machhua Samridhi Yojana for 2026-27 and 2027-28. Money will be used for subsidy, training and basic setup for fish farmers. So the zero interest KCC part is not closed, it is available in the current financial year as well. If you had applied earlier and were waiting, you can check the status with your district fisheries office now.
Benefits You Get
Support under this scheme is not only the credit card. Same scheme has other parts which a fish farmer can use together with the KCC. Main benefits are given below.
- Short term working capital loan through Kisan Credit Card for fish farming needs like seed, feed and pond running costs.
- Interest subsidy from the state, which brings the effective rate to zero percent when the loan is taken from a cooperative bank and repaid as per rules.
- Forty percent subsidy on fish seed rearing in rural ponds, where unit cost is ₹2 lakh per hectare and subsidy comes to ₹80,000 per hectare through DBT payment.
- Forty percent subsidy on prawn farming in rural ponds, where unit cost is ₹4 lakh per hectare and subsidy comes to ₹1.60 lakh per hectare.
- Three day training on better fish and prawn production methods, with ₹2,700 per trainee covering travel and food during the training days.
Who Can Apply
Rules are simple. You should be from Madhya Pradesh and you should actually be doing fish farming or fishing work. Landholding farmers, small and marginal farmers, fish farmers, livestock owners, BPL card holders, unorganised worker card holders and registered workers all come under the eligible list. Fishermen cooperative societies and NRLM self help groups are covered for the subsidy parts of the scheme.
For subsidy on seed rearing and prawn farming, one applicant gets support for 1 hectare. A society or a group can get support for up to 2 hectare of water area. Own pond or a pond taken on lease is needed for these parts.
Application Process for Fisheries KCC
STEP 1 - Go to your District Fisheries Office during working hours and ask for the Kisan Credit Card application form for fish farmers. Officers there will also tell you which cooperative bank branch handles fisheries KCC in your block.
STEP 2 - Fill every field in the form, write your pond details, lease papers or society membership number correctly, and attach self attested copies of all required documents.
STEP 3 - Submit the signed form with documents at the District Fisheries Office. The office checks your fish farming work and forwards the case to the cooperative bank.
STEP 4 - Visit the cooperative bank branch when the office tells you to. Bank does its own credit check, fixes your limit and issues the Kisan Credit Card in your name.
STEP 5 - Repay the used amount within the period given by the bank. Interest subsidy applies only when repayment is on time, so keep the dates in mind.
Documents Required
Keep these papers ready before you go to the office, it saves a second trip.
- Aadhaar card or any valid identity proof of the applicant.
- Bank passbook copy of an active account.
- Proof of fish farming work, such as pond lease papers, fisherman identity card or society membership proof.
- Residence proof of Madhya Pradesh.
- Caste certificate if you are applying under a reserved category benefit, and any other paper asked by the department.
Similar credit card support is also given for animal rearing in the state, you can read about Kisan Credit Card Pashupalan Madhya Pradesh if you keep cattle along with fish farming. For the central rules on limits and interest, see the Kisan Credit Card scheme details. Other state schemes are listed on the Madhya Pradesh schemes list page.
Help and Contact
For any problem in the application, contact your District Fisheries Office first. For complaint help you can use CM Helpline number 181 of Madhya Pradesh, which works for all state department schemes.
References
Details are given below from official sources.
Mukhyamantri Machhua Samridhi Yojana Guidelines - MP Fisheries Department
Scheme Details on MP CM Helpline Portal
FAQ's
Is the fisheries Kisan Credit Card scheme still running in 2026?
Yes. Cabinet has approved ₹200 crore to continue Mukhyamantri Machhua Samridhi Yojana for 2026-27 and 2027-28, and the KCC interest subsidy is part of it.
Who is eligible for this scheme?
Fish farmers, fishermen, small and marginal farmers, BPL card holders and registered workers of Madhya Pradesh who are doing fish farming work can apply.
What is the interest rate on this credit card?
Zero percent when the loan is taken from a cooperative bank, because the state pays the interest part as subsidy.
How much loan can a fish farmer get?
No fixed limit is given by the department. The cooperative bank decides the limit based on its norms and the size of your fish farming work.
Where can I apply for the scheme?
Apply offline at your District Fisheries Office, which forwards the case to the cooperative bank branch.
Is there any application fee?
No fee is charged for the application at the fisheries office.
Does the interest subsidy come automatically?
Yes, it applies on its own if you repay the loan within the time given by the bank. Late repayment can take away the benefit.
What subsidy is given for pond fish seed rearing?
Forty percent subsidy on a unit cost of ₹2 lakh per hectare, which works out to ₹80,000 per hectare paid through DBT.