The new framework establishes a six-year composite KCC facility covering crop cultivation, dairy, fisheries, animal husbandry, post-harvest expenses, household consumption, insurance, produce marketing, and investment credit. It standardizes credit assessment through the Scale of Finance, introduces Flexi KCC of Rs 10,000 – Rs 50,000 for marginal farmers, waives collateral and margin requirements for agricultural loans up to Rs 2 lakh, permits higher collateral-free loans up to Rs 3 lakh in specified cases.