India's premier short-term agricultural loan program, the Kisan loan Card (KCC) scheme, was created to guarantee timely and reasonably priced working capital for crop and related operations. This paper offers a critical evaluation of KCC with a specific focus on Bihar, where informal tenancy is common and small and marginal farmers are the majority. We map the scheme's accessibility, affordability, and timeliness characteristics, summarize policy evolution, and examine the limitations that prevent effective operation. We create empirical methods to estimate the effects of KCC on input use, yield, credit substitution away from the informal sector, and income volatility using an evaluation framework that integrates administrative data (RBI, NABARD, SLBC Bihar), a proposed household survey, and district level panels. An implementation plan specific to Bihar is provided at the end of the article, with a focus on correct sizing restrictions, digital renewals, tenancy-inclusive paperwork, bundling with post-harvest finance and crop insurance, and grievance redressal supported by public dashboards.