Central and state farm scheme guides — eligibility, documents, how to apply, and what to do if a payment does not arrive.
A farm scheme rarely pays out just because a farmer heard about it — it pays out because the paperwork matched what the department asked for, on time. Most rejections trace back to one of three things: an eligibility condition that changed after the scheme launched, a document missing at first submission that adds months of resubmission, or a deadline that closed while the farmer was still gathering papers. This page exists to close that gap.
Every scheme guide below states, in the same order, who exactly qualifies — and who is explicitly excluded, since that list matters as much as the eligibility one — the documents to have ready before you start the application, the benefit amount and how it's paid, and the application steps as they actually run on the government portal rather than as the notification describes them in principle. Where a scheme has a well-known payment problem, such as DBT failing silently or a portal timing out at peak season, that's called out directly instead of being left for you to discover.
Central schemes here sit alongside state ones for a reason: a farmer is almost always eligible for both a central and a state scheme covering the same need, and skipping the state page means leaving a second payment unclaimed. Use the state-schemes hub below to check what your own state runs in addition to what is here.
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
Free door-to-door vaccination of cattle, buffalo, sheep, goat and pig against Foot and Mouth Disease, and of female bovine calves against Brucellosis, under the NADCP component. Each animal gets a 12-digit ear tag on the Bharat Pashudhan portal. Mobile Veterinary Units reach a sick animal on the 1962 toll-free number, and Pashu Aushadhi puts cheaper generic medicine on the shelf.
Outlay (revised): ₹3,880 crore for 2024-25 & 2025-26
Funds village dairy cooperatives, district milk unions and state federations to set up bulk milk coolers, chilling plants, electronic weighing and fat-testing machines and quality labs, and to form roughly 10,000 new dairy cooperative societies. A small dairy farmer benefits as a member — milk weighed and fat-tested transparently, chilled before it spoils, and paid a fair quality-linked rate.
Total outlay (revised): ₹2,790 crore (15th Finance Commission cycle)
A free 45-day MANAGE residential training plus a NABARD credit-linked back-ended subsidy of 36% (44% for women, SC/ST and NE / hill states) to set up a village soil-testing lab, input shop, custom-hiring service or vet clinic. Farmers nearby get paid advice and services locally instead of travelling to the district town.
Training: 45-day free residential, via MANAGE
The Agricultural Marketing Infrastructure sub-scheme gives a credit-linked, back-ended capital subsidy of 25% (33.33% for FPOs, cooperatives, women, SC/ST and NE / hilly areas) to build godowns, cold storage, grading-packing units and on-farm storage. Store the crop, take a pledge loan on a WDRA warehouse receipt, and sell weeks later when the price has recovered.
Subsidy (general): 25% of eligible capital cost, back-ended
The food-processing ministry umbrella that gives 35-50% grant-in-aid to entrepreneurs, FPOs and cooperatives to build cold chains, food processing and preservation units, agro-processing clusters, food-testing labs and irradiation units. A farmer or FPO benefits as a promoter, or by supplying a nearby SAMPADA-funded processor. Different from PMKSY, the irrigation scheme.
Total outlay (revised): ₹6,520 crore (15th Finance Commission cycle)
Groups farmers across the eight North Eastern states into Farmer Interest Groups federated into FPOs, and funds the whole organic chain around them — quality seed, organic inputs, NPOP third-party certification and market linkage — with assistance of about ₹46,500 per hectare spread over three years. There is no individual online form; a farmer joins through a State Lead Agency-organised cluster.
Assistance: ~₹46,500/hectare over 3 years
Store your harvest in a WDRA-registered warehouse, get an electronic Negotiable Warehouse Receipt (e-NWR), and pledge it on the JanSamarth portal for an instant post-harvest loan — up to 75% of the stock’s value at 7% interest for Kisan Credit Card holders — instead of selling in distress right after harvest when the price is lowest. The linked Credit Guarantee Scheme (CGS-NPF) backs the loan so a bank does not insist on separate collateral.
Launched: 4 March 2024
Turns a tribal Minor Forest Produce gatherer into a small entrepreneur through community-owned Van Dhan Vikas Kendras — each built from 15 tribal self-help groups of about 20 members — that clean, grade, pack and sell what members collect. A Minimum Support Price notified for 87 MFP items means a State agency steps in and buys at the floor price the moment the open market falls below it.
Outlay: ₹1,612 crore (2021-22 to 2025-26)
The Rubber Board’s planting subsidy pays ₹50,000 per hectare to replant old, uneconomic rubber trees or take up new planting with high-yielding, disease-resistant clones — open to growers holding up to 2 hectares in Kerala, Tamil Nadu and the other traditional belt, and up to 5 hectares in non-traditional regions and the North East. Applications go online through the Board’s Service Plus portal each planting season.
Outlay: ₹708.69 crore (2024-25 & 2025-26)
The seed-subsidy arm of Krishonnati Yojana — gives every farmer 50% off certified cereal seeds (wheat, paddy, maize) and 60% off certified pulse, oilseed and fodder seeds, up to 1 acre. The Seed Village (Beej Gram) component turns selected villages into local seed-production hubs so certified seed is available at the village itself, not just at a distant depot.
Seed subsidy (cereals): 50% on certified seed
A ₹23,731 crore scheme (FY 2026-27 to 2035-36) that turns cattle dung, crop residue and other farm waste into Compressed Biogas (CBG) and organic manure — giving farmers a new income stream by selling feedstock they currently burn or discard. Household biogas units get Central Financial Assistance, and SC/ST farmers get 20% extra subsidy.
Total outlay: ₹23,731 crore (10 years)
A ₹6,000 crore Central Sector scheme that formalises the fisheries sector — digital identity for every fish farmer on the NFDP portal, 40 % aquaculture insurance-premium subsidy (up to ₹1 lakh), and performance grants of 25–35 % for micro/small fisheries enterprises. SC/ST and women get enhanced rates.
Total investment: ₹6,000 crore (4 years)
A ₹1,766 crore programme under MIDH setting up 9 world-class Clean Plant Centres at ICAR stations across India — so horticulture farmers can buy certified virus-free saplings of mango, apple, citrus, grapes, pomegranate, guava and litchi instead of risking infected nursery stock for 15–25 years.
Total outlay: ₹1,766 crore (2024–2030)
A unique scheme that does not pay farmers directly — it rewards State Governments with 50% of the fertilizer subsidy they save by reducing chemical fertilizer consumption. The grant funds organic, bio and nano fertilizer promotion, soil-health drives and natural-farming support that benefits every farmer in the state.
Incentive: 50% of fertilizer subsidy saved
Subsidised fruit, timber, medicinal and oilseed trees for your farm boundaries and field blocks — earn a second income from tree produce alongside regular crops. Active in 21 states with ₹909 crore released for 1.55 lakh hectares under the Krishonnati Yojana umbrella.
Umbrella scheme: NMSA / Krishonnati Yojana
A central scheme that steadies perishable-crop prices so a bumper harvest does not crash into a loss. A 50% subsidy moves or stores a glut of fruit and vegetables, and grant-in-aid (35% general, 50% for FPOs) funds the cold chains, pack-houses and processing units that prevent gluts. Not a per-farmer cash scheme — the route is through an FPO, cooperative or company.
Launched: 2018 (₹500 crore outlay)
Government support for coconut growers to renew an ageing garden. The Replanting & Rejuvenation scheme pays to remove old, diseased or barely-bearing palms (₹500/palm), replant high-yielding varieties (₹20/seedling) and rejuvenate gardens still worth saving (₹15,000/ha), up to 4 ha per grower — plus productivity and palm-insurance schemes.
Implementing body: Coconut Development Board
Articles
Central Government SchemesThinking of starting a Farmer Producer Organisation? Member minimums, legal forms, equity grant, credit guarantee and honest limits, from official guidelines.
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Central Government SchemesHail, flood or rain damaged your insured crop? Follow the PMFBY claim steps: the 72-hour report, what the surveyor does, payment timelines and appeals.
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Central Government SchemesA clean sale deed is not proof of a clean title. The record, physical and legal checks to run before you pay any advance on farmland in India.
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Central Government SchemesFarm loans are easier to get than personal credit, thanks to priority-sector lending. Here is what a bank actually checks before it lends to a farmer.
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Central Government SchemesBoundary disputes start with an old map and a missing stone marker, not bad intent. Learn how official demarcation of your plot actually works in India.
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Central Government SchemesA season budget asks if this crop will pay. Financial planning asks the bigger question - what the farm looks like in ten years. Learn how to start it.
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Central Government SchemesKCC covers the crop season. For a solar pump, cold store or dairy unit, separate government loan schemes exist, each with its own terms. Compare them here.
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Central Government SchemesA bigha in UP is not a bigha in Rajasthan, and pace-counting is not a survey. Learn what your land record measures in, and how to convert it.
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Central Government SchemesThe gap between input costs going out and harvest revenue coming in is where farm financial stress lives. Here are three ways to shrink that gap.
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Central Government SchemesAgricultural or not, irrigated or not, cultivable or fallow - the label in your Khasra decides your tax, scheme eligibility and building rights.
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Central Government SchemesEvery scheme payment, loan and land sale traces to one document - the Record of Rights, named differently in each state. Where to check yours.
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Central Government SchemesKCC is the cheapest farm loan - but only if repaid within the year. Miss that date and the rate you actually pay nearly doubles. Know the rules.
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Central Government SchemesAlmost every failed PM-KISAN payment traces to one of four fixable problems - e-KYC, land seeding, an Aadhaar mismatch, or ineligibility. Check yours.
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