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+{{htmlmetatags>metatag-keywords=(farmer schemes India, PM-KISAN, PMFBY crop insurance, kisan credit card, soil health card, e-NAM, agriculture schemes 2026, MSP, farmer welfare)
+metatag-description=(Farmer & agriculture schemes India 2026 — PM-KISAN ₹6,000/year, PMFBY crop insurance, KCC ₹3 lakh credit, Soil Health Card, e-NAM.)}}
+====== Farmer & Agriculture Schemes in India 2026 ======
+{{page>snippets:dpdp-banner}}
+**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.**
+===== Quick Answer =====
+  * **₹6,000/year direct cash** → [[:pm-kisan-samman-nidhi|PM-KISAN]]
+  * **Crop insurance @ 1.5–2% premium** → [[:pm-fasal-bima-yojana|PMFBY]]
+  * **₹3 lakh credit @ 4% effective** → [[:kisan-credit-card|Kisan Credit Card]]
+  * **Free soil testing** → [[:soil-health-card-scheme|Soil Health Card]]
+  * **All-India crop selling online** → [[:e-nam|e-NAM]]
+  * **100 days work + ₹220–340/day** → [[:rti-for-mgnrega-wages|MGNREGA]]
+  * **Stuck?** [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|🪄 RTI in 60 sec]].
+===== List of schemes =====
+==== Income support ====
+  * **[[:pm-kisan-samman-nidhi|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.
+==== Risk cover ====
+  * **[[:pm-fasal-bima-yojana|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.
+==== Credit ====
+  * **[[:kisan-credit-card|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 + science ====
+  * **[[:soil-health-card-scheme|Soil Health Card Scheme]]** — free soil test every 2 years, fertilizer recommendation by crop. 22 crore cards distributed.
+==== Market access ====
+  * **[[:e-nam|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.
+==== Rural employment ====
+  * **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 [[:rti-for-mgnrega-wages|full RTI guide]].
+==== Insurance + welfare ====
+  * **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.
+===== How to apply =====
+==== PM-KISAN ====
+  - Visit pmkisan.gov.in → "Farmers Corner" → "New Farmer Registration".
+  - Aadhaar + bank account + landholding details.
+  - **Self-declaration** — false claim = full recovery + criminal liability.
+==== PMFBY ====
+  - **Through bank** if you have a KCC (auto-debit at sowing).
+  - **Online** at pmfby.gov.in if non-loanee farmer.
+  - Premium debited from bank.
+  - **Cut-off**: 31 July (kharif), 31 Dec (rabi).
+==== KCC ====
+  - Walk into any **public sector / cooperative bank** with: Aadhaar, land ownership, photograph.
+  - **No collateral** for loan up to ₹1.6 lakh.
+  - **One-time documentation** — renewable annually.
+==== Soil Health Card ====
+  - Approach **Krishi Vigyan Kendra (KVK)** or village extension officer.
+  - Sample collection (free).
+  - Lab report in 30–45 days.
+  - Card delivered to your address.
+==== e-NAM ====
+  - Register at enam.gov.in — Aadhaar + bank + Mobile + Land record.
+  - Visit nearest e-NAM mandi to onboard.
+  - Sell your crop with quality assayed → online auction → buyer pays via DBT.
+===== Common mistakes =====
+  * **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.
+===== FAQ =====
+==== I'm a tenant farmer. Am I eligible for PM-KISAN? ====
+**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.
+==== PMFBY claim was denied. What can I do? ====
+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, (c) reasons for denial. **First Appeal under §19(1)** in 30 days if PIO doesn't reply.
+==== KCC interest rate is 9%. Why was I told 4%? ====
+**Effective rate is 4%** if you pay on time. Calculation: 9% nominal − 2% interest subvention − 3% prompt repayment subvention = 4%. **Default = 9% applies retroactively.**
+==== Can I have KCC + PMFBY? ====
+**Yes** — they're stackable. KCC loanees are auto-enrolled in PMFBY (premium debited at sowing). Non-loanees must enrol separately.
+==== I sold on e-NAM but payment delayed. What can I do? ====
+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.
+==== What is the MSP for wheat 2026? ====
+₹2,425/quintal for rabi 2025-26 marketing season (announced June 2025). Updated at https://farmer.gov.in or PIB.
+==== Can I get the Soil Health Card multiple times? ====
+**Yes** — free re-test every **2 years**. The card includes recommendations valid for that period. Re-test sooner if crop yields drop unexpectedly.
+==== What does MGNREGA pay for digging a well on my own farm? ====
+**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.
+===== All RTI Wiki tools =====
+  * 🪄 **[[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]]** — drafts farmer-specific RTIs
+  * 🌐 **[[https://righttoinformation.wiki/intelligence/citizen-360.html|Citizen 360]]** — local mandi + KVK + insurance company directory
+  * ⚖ **[[https://righttoinformation.wiki/tools/first-appeal-app.html|First Appeal Generator]]**
+===== Related =====
+  * [[:government-schemes-india-2026|🏛 Top schemes — pillar guide]]
+  * [[:financial-support-schemes-india|💰 Financial Support]]
+  * [[:rti-for-mgnrega-wages|MGNREGA RTI guide]]
+  * [[:housing-basic-needs-schemes-india|🏠 Housing & Basic Needs (PMAY for farmers)]]
+  * [[:digital-india-governance-schemes|💻 Digital India + ONDC]]
+===== Sources =====
+  * [[https://pmkisan.gov.in|PM-KISAN]]
+  * [[https://pmfby.gov.in|PMFBY]]
+  * [[https://www.nabard.org|NABARD — KCC]]
+  * [[https://soilhealth.dac.gov.in|Soil Health Card]]
+  * [[https://enam.gov.in|e-NAM]]
+  * [[https://farmer.gov.in|Farmers Portal]]
+  * Helplines: **155261** (PM-KISAN) · **14447** (PMFBY)
+{REVIEWED}
+//Last reviewed: 3 May 2026.//
+{{tag>farmer-schemes agriculture pm-kisan kcc pmfby e-nam mgnrega 2026}}