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      Question

      Which of the following correctly identifies the 4 key proposed changes in the RBI's revised KCC Draft Guidelines 2026? 

      A Extended tenure, increased interest subvention, new collateral norms, digital KCC cards Correct Answer Incorrect Answer
      B Standardised crop seasons, extended KCC tenure to 6 years, drawing limits linked to Scale of Finance, technology and sustainability eligible as expenses Correct Answer Incorrect Answer
      C Reduced interest rates, expanded coverage to tenant farmers, digital disbursement mandate, FPO-linked KCC Correct Answer Incorrect Answer
      D Aadhaar-linked KCC, reduced collateral, insurance bundling mandate, AI-based credit scoring Correct Answer Incorrect Answer
      E Annual renewal mandatory, new repayment schedule, agri-tech expenses eligible, climate risk coverage Correct Answer Incorrect Answer

      Solution

      The four key proposed changes are: standardised crop seasons (12/18 months), extended KCC tenure to 6 years, drawing limits linked to Scale of Finance notified by State Level Technical Committees, and technology and sustainability costs (soil testing, weather forecasts, organic certification) eligible as expenses.

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