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Government schemes for farmers in India — complete list (2026)

Quick answer: Indian farmers have 50+ central schemes spanning income support (PM-KISAN Rs 6,000/yr), crop insurance (PMFBY at 1.5-5% premium), credit (KCC at 4% effective), markets (e-NAM unified portal), price support (MSP for 23 crops), inputs (subsidised seed/fertiliser), mechanisation (50% subsidy on equipment), irrigation (PMKSY drip+sprinkler), soil health (free soil card every 2 years). Plus state-specific top-ups. All DBT — Aadhaar + bank in own name mandatory.

Who is eligible

Landholding Indian farmer (cultivator). Tenant farmers eligible for some schemes (state-specific). Excluded: govt employees, IT taxpayers, large landholders.

Top 12 schemes

1. PM-KISAN Samman Nidhi

Rs 6,000/year (3 instalments of Rs 2,000) to landholder farmer family. Self-registration at pmkisan.gov.in.

2. Kisan Credit Card (KCC)

Crop loan up to Rs 3L at 4% effective interest. Pre-approved by bank. Animal husbandry + fishery covered.

3. Pradhan Mantri Fasal Bima Yojana (PMFBY)

Crop insurance at 1.5% (rabi) / 2% (kharif) / 5% (commercial) premium of sum insured. Govt pays balance. Apply via bank/CSC.

4. e-NAM (Electronic National Agri Market)

Online market for agri produce — 1,200+ mandis integrated. Better price discovery. Register as farmer.

5. Soil Health Card

Free soil testing + nutrient recommendations. Issued every 2 years. Apply at Krishi Vigyan Kendra (KVK).

6. Pradhan Mantri Krishi Sinchayee Yojana (PMKSY)

50-90% subsidy on drip + sprinkler irrigation. Per-Drop-More-Crop component. Apply at KVK / horticulture office.

7. Sub-Mission on Agricultural Mechanization (SMAM)

40-80% subsidy on tractors, cultivators, threshers, harvesters. Custom Hiring Centres also subsidised.

8. Paramparagat Krishi Vikas Yojana (PKVY)

Organic farming clusters — Rs 50,000/ha subsidy over 3 years. PGS certification.

9. National Mission on Edible Oils-Oil Palm

Subsidy for oil palm cultivation in 15 states. Up to Rs 29,000/ha planting + maintenance.

10. Pashu Kisan Credit Card

Loan for animal husbandry — buffalo Rs 60,000, cow Rs 40,000, goat Rs 4,000 each. 4% effective.

11. PM Mat Vaya Vandana (Fisher Pension)

Pension scheme for fishermen 60+. State + central. Apply via Fisheries Dept.

12. Krishi Sakhi (Para Extension Worker)

Trained women village agri-coaches for advisory. Linked to MGNREGA.

How to apply (general process)

Each scheme has portal; common: Aadhaar + bank account + land record (Bhulekh) + KCC. KVK / Block Agriculture Office is one-stop offline.

Helplines

  • Kisan Call Centre 1800-180-1551 — multilingual
  • KVK (Krishi Vigyan Kendra) — district-level
  • State Agriculture Helpline — varies

Common issues + how to handle

  • Bhulekh land record name ≠ Aadhaar — update either to match.
  • KCC limit not utilised — re-apply with higher cropping plan.
  • PMFBY claim rejected — SoNA (State of Notified Area) issue. Appeal to DLMC (District Level Monitoring Committee).
  • PM-KISAN excluded category — IT taxpayer / govt employee. Check before applying.

If a scheme is delayed or rejected — file an RTI

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. Name + designation of dealing officer assigned to my file.
3. Reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. Likely date of disbursement / decision.

Auto-fill the PIO + your case: Open the RTI Drafter →

Frequently asked questions

Tenant farmer — eligible for PM-KISAN?

No — only landholders. State schemes (e.g., Kerala Karshaka Pension) cover tenants.

PMFBY claim takes how long?

Statutory 60 days from yield assessment. Most claims credited 90-180 days. RTI for delays.

KCC limit too low — increase?

Re-apply with higher cropping pattern + scale-of-finance. Bank may double on regular repayment.

e-NAM benefit over local mandi?

Better price discovery — 1,200+ mandis competing. But quality grading mandatory.

PM-KISAN delayed > 4 months. Fix?

File RTI to Block Agri Officer + State Nodal. Use PM-KISAN RTI generator.

Summary + what to do next

Bottom line: 12 central + state schemes available. Aadhaar + bank account in own name + community/income certificate (if applicable) is the gateway. If a scheme is delayed beyond timeline, file an RTI.

Sources

  • Each scheme's official portal (linked above).
  • Ministry budget documents + scheme operational guidelines.
  • Citizen feedback via AwaazRTI (composite, identifying details removed).

Last reviewed: 25 April 2026.

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