Farmer & Agriculture Schemes in India 2026

India has 14 crore farming families. Six core central schemes cover income, risk, credit, soil, market access, and wages. Most farmers stack 4–6 of these. This is the simple guide — what each does, who qualifies, how to apply.

• ₹6,000/year direct cash → PM-KISAN
• Crop insurance @ 1.5–2% premium → PMFBY
• ₹3 lakh credit @ 4% effective → Kisan Credit Card
• Free soil testing → Soil Health Card
• All-India crop selling online → e-NAM
• 100 days work + ₹220–340/day → MGNREGA
• Stuck? 🪄 RTI in 60 sec.

• PM-KISAN Samman Nidhi — ₹6,000/year (₹2,000 × 3) DBT to small/marginal farmers. 11 crore registered.
• PM-KMY (PM Kisan Maan-Dhan Yojana) — ₹3,000/month pension after 60 for small/marginal farmers. ₹55–200/month contribution.

• Pradhan Mantri Fasal Bima Yojana (PMFBY) — crop insurance. Farmer pays only 2% kharif / 1.5% rabi / 5% commercial, govt pays the rest. Voluntary since 2020.

• Kisan Credit Card (KCC) — short-term + investment credit, 4% effective interest (after 2% subsidy + 3% prompt-payment subvention) on amounts up to ₹3 lakh. Now extended to dairy + fisheries.

• Soil Health Card Scheme — free soil test every 2 years, fertilizer recommendation by crop. 22 crore cards distributed.

• e-NAM (National Agriculture Market) — online inter-state mandi platform. 1,400+ APMC mandis integrated. 30+ commodities tradable. Farmers can sell to buyers in any state.
• MSP (Minimum Support Price) — government procurement of 23 crops at MSP through FCI / state agencies.

• MGNREGA — 100 days minimum wage employment per rural household. ₹220–340/day depending on state. Includes 90 person-days for own PMAY house construction. See full RTI guide.

• PM Krishi Sinchayee Yojana (PMKSY) — micro-irrigation subsidy.
• Paramparagat Krishi Vikas Yojana (PKVY) — organic farming cluster support (₹50,000/ha).
• Mission Organic Value Chain Development for North Eastern Region — NE states organic.

1. Visit pmkisan.gov.in → “Farmers Corner” → “New Farmer Registration”.
2. Aadhaar + bank account + landholding details.
3. Self-declaration — false claim = full recovery + criminal liability.

1. Through bank if you have a KCC (auto-debit at sowing).
2. Online at pmfby.gov.in if non-loanee farmer.
3. Premium debited from bank.
4. Cut-off: 31 July (kharif), 31 Dec (rabi).

1. Walk into any public sector / cooperative bank with: Aadhaar, land ownership, photograph.
2. No collateral for loan up to ₹1.6 lakh.
3. One-time documentation — renewable annually.

1. Approach Krishi Vigyan Kendra (KVK) or village extension officer.
2. Sample collection (free).
3. Lab report in 30–45 days.
4. Card delivered to your address.

1. Register at enam.gov.in — Aadhaar + bank + Mobile + Land record.
2. Visit nearest e-NAM mandi to onboard.
3. Sell your crop with quality assayed → online auction → buyer pays via DBT.

• Land record not in your name — for PM-KISAN, the landholding farmer must be the beneficiary. Joint family land needs mutation in your name.
• PM-KISAN exclusion clauses missed — all-India income tax payer in last AY, government employee, doctor/lawyer/CA, MP/MLA — these disqualify even small/marginal farmers.
• Taking PMFBY then claiming damage too late — claim within 72 hours of damage event. Delay = denial.
• KCC limit too small — banks often sanction less than entitlement. Re-apply with full landholding + cropping pattern.
• Selling on e-NAM without assaying — quality grade affects price; insist on assay.

Generally no — PM-KISAN goes to the landholding farmer. Some states have begun including tenants via formal Lease Cultivation Certificate systems (e.g., Andhra Pradesh, Odisha). Check with your state's Agriculture Department.

File RTI with the implementing insurance company (HDFC Ergo, Agriculture Insurance Co, etc.) for: (a) damage assessment report, (b) CCE (crop-cutting experiment) results for your village, © reasons for denial. First Appeal under §19(1) in 30 days if PIO doesn't reply.

Effective rate is 4% if you pay on time. Calculation: 9% nominal − 2% interest subvention − 3% prompt repayment subvention = 4%. Default = 9% applies retroactively.

Yes — they're stackable. KCC loanees are auto-enrolled in PMFBY (premium debited at sowing). Non-loanees must enrol separately.

File complaint at the APMC mandi + state e-NAM portal. Settlement is T+1 day by rule; delay = file RTI to State Agriculture Marketing Board.

₹2,425/quintal for rabi 2025-26 marketing season (announced June 2025). Updated at https://farmer.gov.in or PIB.

Yes — free re-test every 2 years. The card includes recommendations valid for that period. Re-test sooner if crop yields drop unexpectedly.

Yes — well digging on small/marginal farmer's own land is permitted under MGNREGA. Wages + materials covered up to ₹3 lakh. Apply via Gram Panchayat with own-land proof.

• 🪄 AI RTI Drafter — drafts farmer-specific RTIs
• 🌐 Citizen 360 — local mandi + KVK + insurance company directory
• ⚖ First Appeal Generator

• 🏛 Top schemes — pillar guide
• 💰 Financial Support
• MGNREGA RTI guide
• 🏠 Housing & Basic Needs (PMAY for farmers)
• 💻 Digital India + ONDC

• PM-KISAN
• PMFBY
• NABARD — KCC
• Soil Health Card
• e-NAM
• Farmers Portal
• Helplines: 155261 (PM-KISAN) · 14447 (PMFBY)

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Last reviewed: 3 May 2026.