During a session on Civil Services Day at Vigyan Bhawan, Union Agriculture and Rural Development Minister Shivraj Singh Chouhan called for a significant reform in agricultural finance to better serve farmers in India. He noted that while the Kisan Credit Card (KCC) has improved access to credit, it is not enough for modern agricultural practices, particularly high-value sectors like horticulture, which require larger investments. Chouhan highlighted the cumbersome loan procedures that burden farmers with excessive paperwork and administrative hurdles, advocating for a more streamlined and farmer-friendly approach. He stressed the importance of technology adoption and stronger rural banking systems but cautioned against over-reliance on technology due to potential verification errors. The Minister also pointed out the staffing shortages in rural banks, which have been exacerbated by increased workloads from various government schemes, leading to delays in service. He urged for a focus on integrated farming practices, suggesting that small farmers diversify into allied activities such as livestock and fisheries to secure sustainable incomes. Chouhan proposed practical solutions like one-time settlements to help farmers manage rising debt, emphasizing the need for innovative and outcome-focused approaches to enhance farmers' welfare.