Lastly, there is no proof that KCC financing has an impact on agricultural productivity at the state or district levels. Despite being a good source of agricultural loan instruments, KCC's distribution in Uttar Pradesh was unimpressive. Similarly, loan recovery made possible by the KCC were ineffective. The National Bank for Agricultural and Rural Development, often known as Nabard, commissioned a study that found that many farmers who own Kisan Credit Cards are dissatisfied with the credit limit that has been granted to them. According to the survey, which involved 178 bank branches across 14 states, farmers anticipate improved services such as the ability to customize KCCs as cash-credit cards, the implementation of seasonal borrowing limitations, repayment flexibility, and little documentation.