Central Government Schemes

Income support of ₹6,000 a year, paid in three equal instalments directly into a landholding farmer’s bank account. Most failed payments trace back to exactly three things: e-KYC not done, land records not seeded, or an Aadhaar-name mismatch with the bank.

Benefit: ₹6,000 / year

Pradhan Mantri Fasal Bima Yojana caps the farmer’s premium at 2% for kharif, 1.5% for rabi and 5% for commercial crops. The clause that decides most claims is the 72-hour one: a localised loss must be intimated within 72 hours of the event.

Farmer premium (kharif): 2% of sum insured

The cheapest institutional credit available to a farmer. At 7% headline, with a 3% prompt-repayment incentive, the effective rate on repaid-on-time borrowing falls to 4% — well below any informal lender.

Headline interest: 7% p.a. (with interest subvention)

A free soil test report with crop-wise fertiliser recommendations. Acting on the card typically cuts urea use by 8–10% with no yield penalty, because most Indian soils are short of potash and sulphur, not nitrogen.

Cost to farmer: Free

A voluntary pension of ₹3,000/month from age 60, for small and marginal farmers who pay in ₹55–₹200 a month between 18 and 40 — matched rupee-for-rupee by the government. Unlike PM-KISAN, this is contributory: you fund roughly half the pension yourself.

Pension: ₹3,000/month from age 60

A 1.5% interest subvention on Kisan Credit Card loans that brings the bank rate down to 7%, and a further 3% Prompt Repayment Incentive that takes it to just 4% for farmers who repay on time. There is no separate application — it applies automatically to an Aadhaar-linked KCC loan.

Interest subvention: 1.5% p.a. to the bank

A six-year convergence programme that prioritises 36 existing central schemes across 11 ministries in 100 selected low-productivity districts, chosen so every state has at least one. It creates no new benefit of its own — a farmer still applies to PM-KISAN, KCC, PMFBY and the rest in the normal way.

Districts covered: 100 Aspirational Agricultural Districts

Subsidy to buy your own farm machinery — 40% of cost for most farmers, 50% for SC/ST, small & marginal, women and North Eastern State farmers — plus much larger subsidy to set up a Custom Hiring Centre or Farm Machinery Bank that rents machinery to farmers who cannot afford to own it.

Machinery subsidy: 40%–50% of cost, by category

Cluster-based assistance to convert to certified organic farming — a group of 20+ farmers on 20 hectares gets support for inputs, PGS-India peer certification and marketing over 3 years. Recent PIB figures put per-hectare assistance at ₹31,500 over that period.

Assistance: ₹31,500/hectare over 3 years

A ₹1 lakh crore loan facility — not a grant — for warehouses, cold storage and other post-harvest infrastructure. The Centre pays 3% interest subvention and a collateral-free credit guarantee on loans up to ₹2 crore; PACS, FPOs, cooperatives and entrepreneurs are the usual applicants.

Facility size: ₹1 lakh crore

The umbrella scheme behind "Har Khet Ko Pani" — major irrigation projects (AIBP), water-source creation and distribution, and watershed development. The drip/sprinkler micro-irrigation subsidy, Per Drop More Crop, moved out to PM-RKVY in 2022-23.

Launched: 1 July 2015

The Centre’s umbrella "cafeteria" scheme for agriculture development, run through the States — covering micro-irrigation, organic farming, soil health, mechanization and more, with each State funding the components its farmers need most.

Model: "Cafeteria" — States choose components

Turns a plot that depends on rain alone into a mixed farming system — crops plus at least two of horticulture/agroforestry, livestock, fishery or apiculture — with a flat ₹30,000 per farming family, the same for every landholding size, inside a State-selected cluster of at least 20 hectares.

Assistance per family: ₹30,000 (flat, any land size)

A 55% (small/marginal) or 45% (other farmers) capital subsidy on drip and sprinkler irrigation systems, capped at 5 hectares per beneficiary — the flagship micro-irrigation component of PM-RKVY.

Micro-irrigation subsidy: 55% (small/marginal) · 45% (others)

Solar energy for farmers in three parts: subsidised standalone solar pumps up to 7.5 HP, solarising an existing grid-connected pump, and setting up a small solar plant on barren land to sell power to the DISCOM. Subsidy is typically 30% central + 30% state, farmer pays the rest.

Component B (pumps): Standalone solar pumps up to 7.5 HP

Not a scheme a farmer applies to directly — it puts agri-drones in the hands of Women Self Help Groups, at 80% subsidy up to ₹8 lakh, after 15 days of pilot training. A farmer’s role is as a customer, hiring the SHG’s drone for spraying.

Subsidy: 80% of drone cost, up to ₹8 lakh

A national electronic trading platform networking mandis so a farmer isn’t limited to selling at the local market. Over 1,650 mandis and 247 commodities are on it, with online payment straight to the farmer’s bank account.

Mandis linked: 1,656 across 23 states + 4 UTs

Capital subsidy for fisheries and aquaculture — ponds, hatcheries, cage culture, fishing vessels, cold chain — typically 40% of project cost for general beneficiaries and 60% for SC/ST/women. Applied for through the State Fisheries Department with a project report.

Capital subsidy: 40% general · 60% SC/ST/women

A 3% interest subvention on a bank loan of up to 90% of project cost, for setting up a dairy processing unit, a meat processing unit, or an animal feed plant. Applied for via the Udyami Mitra portal.

Interest subvention: 3% for all eligible entities

A 50% back-ended capital subsidy for rural poultry, sheep/goat, piggery and feed-fodder entrepreneurship units — up to ₹25 lakh for poultry, ₹50 lakh for sheep/goat or feed-fodder, ₹30 lakh for piggery. Applied for via the NLM Udyami Mitra portal.

Entrepreneurship subsidy: 50% capital subsidy, back-ended

Boosts production of rice, wheat, pulses, millets and commercial crops — not through cash, but free seed minikits, subsidised certified seed and cluster demonstrations, delivered when your district is picked under the state’s annual plan.

Crops covered: Rice, wheat, pulses, millets, cotton, jute, sugarcane

A ₹6,865-crore central scheme that funds the formation of Farmer Producer Organisations — companies owned by farmers themselves — with a matching equity grant, a collateral-free credit guarantee, and five years of professional handholding through a CBBO. The support goes to the FPO, not to any one farmer's account.

Total outlay: ₹6,865 crore (2019-20–2027-28)

35% credit-linked capital subsidy (up to ₹10 lakh) to upgrade or start a micro food processing unit, built around your district’s One District One Product (ODOP). Self Help Group members also get ₹40,000 seed capital, and FPOs/SHGs/cooperatives can apply for common infrastructure and branding support.

Subsidy: 35% of project cost, up to ₹10 lakh

A 4-year guaranteed MSP purchase of tur, urad and masoor by NAFED and NCCF, plus free seed kits and cheaper certified seed — not a cash payment, but a promise that whatever you grow of these three pulses will be bought.

Total outlay: ₹11,440 crore (2025-26 to 2030-31)

A 7-year, ₹10,103-crore mission to grow more mustard, groundnut, soybean, sunflower and sesamum at home — free/subsidised seed and Value Chain Clusters run through your FPO, not a cash transfer, and your MSP right stays intact alongside it.

Total outlay: ₹10,103 crore (2024-25 to 2030-31)

Pays farmers to plant oil palm — subsidised planting material, drip irrigation and machinery, an assured buyer, and a Viability Gap Payment so a crash in palm-oil prices does not wipe out your income. A 25-30 year commitment once you start.

Total outlay: ₹11,040 crore

Funds nurseries, new orchards, poly-houses, organic certification, mechanization and cold storage for fruit, vegetable and flower growers — commonly up to 50% of project cost, run through your State Horticulture Mission since 2014-15.

Launched: 2014-15

A ₹3,400-crore mission to conserve and genetically upgrade India's indigenous cattle and buffalo breeds — free doorstep artificial insemination, subsidised sex-sorted semen and IVF, plus 35% capital assistance for Heifer Rearing Centres and a 3% interest subvention on high-genetic-merit heifer loans.

Total outlay: ₹3,400 crore (FY2021-22 to FY2025-26)

A ₹7,522.48-crore central fund giving fisheries entities concessional loans — up to 80% of project cost, with up to 3% interest subvention — through NABARD, NCDC or a scheduled bank, for building fishing harbours, cold storage, hatcheries and fish markets.

Fund size: ₹7,522.48 crore

Farmers in 50-hectare clusters get ₹4,000 per acre a year for 2 years to switch to natural farming — growing with only on-farm, livestock-based inputs like jeevamrit and beejamrit, no purchased chemical or organic inputs at all. Free Bio-Input Resource Centres, Krishi Sakhi training and simplified PGS-India certification back the switch.

Farmer incentive: ₹4,000/acre/year, 2 years

Funds beekeeping infrastructure — honey testing labs, processing units, custom hiring centres and nucleus bee-stock centres — through the National Bee Board, ₹500 crore over FY2020-21 to FY2025-26. Register on the Madhukranti portal for a traceability certificate; actual project funding goes through NBB or your State Implementing Agency, not a simple individual online form.

Total outlay: ₹500 crore (FY2020-21 to FY2025-26)

A reactive umbrella scheme — nothing pays out while market prices stay healthy. The moment a notified pulse, oilseed or copra crop sells below MSP, government agencies buy it outright; for oilseeds, the price gap is instead credited to your bank account; and for tomato, onion or potato, a separate mechanism steps in when a bumper harvest crashes the price. Pre-register on NAFED’s e-Samridhi or NCCF’s e-Samyukti portal before the season to be served first.

Total outlay: ₹35,000 crore (to 2025-26)

Not a scheme that pays anything directly — it builds a Farmer ID linked to your Aadhaar and land records, the way Aadhaar itself became the identity layer behind bank accounts. A growing number of PM-KISAN, KCC and crop-insurance applications now check against this ID, alongside a nationwide Digital Crop Survey that records what is actually sown, plot by plot.

Total outlay: ₹2,817 crore (Centre: ₹1,940 cr)

Pays 10-hectare farmer clusters in Punjab, Haryana and Western UP to swap a share of their paddy area for maize, kharif pulses, oilseeds or agroforestry — and, in ten more states, helps tobacco growers shift to alternate crops. A 60:40 Centre:State package funds seed, machinery and marketing support; there is no individual online application, only District Agriculture Office-organised clusters.

States covered: Punjab, Haryana, Western UP (+10 tobacco states)

A ₹750 crore SEBI-registered investment fund — equally backed by the Government of India and NABARD — that invests equity of up to ₹25 crore directly in early-stage agri and rural start-ups, or backs other investment funds that do. NABVENTURES, NABARD's investment arm, decides purely on merit; there is no application portal, only a proposal emailed directly to the Investment Manager.

Total corpus: ₹750 crore

Now run as a bamboo component of MIDH, NBM funds nurseries, farmer plantation subsidy, treatment plants, processing units and market infrastructure to rebuild India's bamboo economy. A private farmer gets roughly half the ₹1 lakh/hectare planting cost back as a subsidy, released over three years; Government agencies planting on public land get it fully covered; the North-East gets a larger funding share.

States/UTs covered: 24 (as of 2025)

Funds States to run ATMA — district-level farmer training, demonstrations, exposure visits and Farm Schools, selected on rotation with a small/marginal-farmer and women quota — plus central services any farmer can use directly: the Kisan Call Centre, mKisan advisories, and Agri-Clinics & Agri-Business Centres for agriculture graduates.

ATMA districts covered: 734 districts, 28 States & 5 UTs