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🏛️ FEATURE GUIDE

Government Schemes for Indian Farmers

KrishoSaathi provides a comprehensive guide to 11 major Government of India schemes for farmers — with eligibility checkers, document lists, and direct application links. Billions of rupees in farmer benefits go unclaimed every year because farmers do not know about these schemes. KrishoSaathi changes that.

Quick Overview — 11 Schemes
PM-KISAN
₹6,000/year
PMFBY
2% premium (Kharif) / 1.5% (Rabi)
KCC
Up to ₹3 Lakh at 4% interest
eNAM
Free listing + ₹0 commission
Soil Health Card
Free soil testing
PMEGP
Up to ₹25 Lakh (35% subsidy)
PKVY
₹50,000/ha over 3 years
RKVY
Up to ₹25 Lakh for Agripreneur
NABARD FPO
Up to ₹18 Lakh per FPO
PMSBY
₹2 Lakh accident cover at ₹20/year
NEC Agri
Various (North East specific)
1
PM-KISAN

Pradhan Mantri Kisan Samman Nidhi

💰 ₹6,000/yearMinistry of Agriculture & Farmers Welfare
About
Direct income support of ₹6,000/year (₹2,000 per installment, 3 times a year) to all landholding farmer families across India. Transferred directly to bank account via DBT.
Eligibility
All landholding farmer families (land ownership required). Excludes institutional landholders, government employees, income tax payers.
Documents Required
Aadhaar, Land Records (Khata/Khasra), Bank Account, Mobile Number.
How to Apply
pmkisan.gov.in or Common Service Centre (CSC) or nearest Agriculture Department office.
2
PMFBY

Pradhan Mantri Fasal Bima Yojana

💰 2% premium (Kharif) / 1.5% (Rabi)Ministry of Agriculture & Farmers Welfare
About
Crop insurance scheme providing financial support to farmers suffering crop loss/damage due to unforeseen events like natural calamities, pests, and diseases. Government pays 95–98% of premium.
Eligibility
All farmers growing notified crops. Compulsory for loanee farmers. Voluntary for others.
Documents Required
Aadhaar, Bank Account, Land Records, Sowing Certificate.
How to Apply
Nearest bank (where KCC/crop loan is taken) or insurance company portal or Common Service Centre.
3
KCC

Kisan Credit Card

💰 Up to ₹3 Lakh at 4% interestMinistry of Agriculture (RBI/NABARD)
About
Short-term credit facility for farmers to meet agricultural needs — seeds, fertilisers, pesticides, and allied activities. Interest subvention reduces effective rate to 4% per annum (7% - 3% subvention).
Eligibility
All farmers (individual/joint), tenant farmers, sharecroppers, SHG members engaged in agriculture.
Documents Required
Identity Proof, Address Proof, Land Records, Passport Photos, Bank Account.
How to Apply
Nearest nationalised bank, cooperative bank, or Regional Rural Bank (RRB).
4
eNAM

National Agriculture Market

💰 Free listing + ₹0 commissionMinistry of Agriculture & Farmers Welfare
About
Electronic national trading platform for agricultural commodities. Connects farmers directly to buyers across India through online bidding, ensuring transparent price discovery and better returns.
Eligibility
All registered farmers with produce to sell. Mandi registration required.
Documents Required
Aadhaar, Bank Account, Mobile Number, Mandi Registration.
How to Apply
enam.gov.in or nearest APMC (Agricultural Produce Market Committee) mandi registration office.
5
Soil Health Card

Soil Health Card Scheme

💰 Free soil testingMinistry of Agriculture & Farmers Welfare
About
Provides every farmer with a Soil Health Card containing crop-wise recommendations of nutrients and fertilisers for individual farms — helping farmers improve productivity through scientific nutrient management.
Eligibility
All farmers (every farm gets tested once every 2 years).
Documents Required
Aadhaar, Land Record, Mobile Number.
How to Apply
Nearest Agriculture Extension Office, Krishi Vigyan Kendra (KVK), or soilhealth.dac.gov.in.
6
PMEGP

PM Employment Generation Programme

💰 Up to ₹25 Lakh (35% subsidy)Ministry of MSME / KVIC
About
Credit-linked subsidy programme for setting up micro-enterprises in non-farm sector. Farmers can establish agro-processing units, cold storage, grading centres, etc. with 25–35% government subsidy.
Eligibility
Any individual above 18 years. For projects above ₹10 Lakh in manufacturing / ₹5 Lakh in services — 8th pass minimum.
Documents Required
Aadhaar, Address Proof, Educational Certificate, Project Report, Bank Account.
How to Apply
KVIC district office, State Khadi Board, or Udyami Portal (udyamimitra.in).
7
PKVY

Paramparagat Krishi Vikas Yojana

💰 ₹50,000/ha over 3 yearsMinistry of Agriculture & Farmers Welfare
About
Promotes organic farming in India by providing financial assistance for cluster-based organic farming. Supports farmers in converting to organic, getting organic certification, and accessing premium organic markets.
Eligibility
Farmers forming clusters of 50 acres minimum (cluster of 20+ farmers). Focus on North East India and hilly areas.
Documents Required
Land Records, Aadhaar, Bank Account, Cluster Formation Documents.
How to Apply
State Agriculture Department or Paramparagat Krishi Vikas Yojana portal.
8
RKVY

Rashtriya Krishi Vikas Yojana — RAFTAAR

💰 Up to ₹25 Lakh for AgripreneurMinistry of Agriculture & Farmers Welfare
About
Provides financial support to agri-entrepreneurs, startups, and farmer producer organisations for agriculture innovation and value chain development. Includes incubation support, seed funding, and mentorship.
Eligibility
Individual entrepreneurs (18–60 years), FPOs, SHGs, startups with agriculture-focused business ideas.
Documents Required
Aadhaar, Business Plan/Project Report, Educational Certificates, Bank Account.
How to Apply
RKVY-RAFTAAR portal or nearest Agri Business Incubator (ICAR / State Agri University).
9
NABARD FPO

NABARD FPO Promotion Fund

💰 Up to ₹18 Lakh per FPONABARD / Ministry of Agriculture
About
Supports formation and promotion of Farmer Producer Organisations (FPOs) — collective farming entities that give smallholder farmers market power, access to credit, and bulk input purchasing benefits.
Eligibility
Groups of 100–500 small and marginal farmers forming a registered FPO/FPC (Farmer Producer Company).
Documents Required
FPO Registration Certificate, Member List, Land Records, Business Plan.
How to Apply
NABARD district office or SFAC (Small Farmers Agribusiness Consortium) portal.
10
PMSBY

Pradhan Mantri Suraksha Bima Yojana

💰 ₹2 Lakh accident cover at ₹20/yearMinistry of Finance / IRDAI
About
Low-cost personal accident insurance for farmers and rural population. Provides ₹2 Lakh coverage for accidental death or total permanent disability, and ₹1 Lakh for partial permanent disability — at just ₹20/year premium.
Eligibility
All bank account holders aged 18–70 years.
Documents Required
Bank Account (auto-debit for ₹20 premium), Aadhaar, Nominee Details.
How to Apply
Any bank (auto-enrol via net banking / bank branch / Jan Suraksha portal).
11
NEC Agri

NEC Agriculture Development Scheme

💰 Various (North East specific)North Eastern Council / MDoNER
About
Special agriculture development programmes for the North Eastern states (Assam, Meghalaya, Manipur, Nagaland, Mizoram, Tripura, Arunachal Pradesh, Sikkim). Focuses on horticulture, organic farming, and agro-processing specific to NE India.
Eligibility
Farmers in all 8 North Eastern states. Priority to tribal farmers, SHGs, and FPOs.
Documents Required
Aadhaar, Land Records, State Domicile Certificate, Bank Account.
How to Apply
State Horticulture/Agriculture Department or NEC district project office.
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