Atma Nirbhar Krishi Yojana (ANKY)
A credit-linked subsidy for agriculture — the state covers 45% of the project cost, a bank lends another 45%, and the farmer puts in just 10%.
Run by: Department of Agriculture, Government of Arunachal Pradesh
- Subsidy
- 45% of project cost
- Farmer share
- Just 10%
- Collateral-free loan
- Up to ₹1.6 lakh
- Budget
- ₹50 crore earmarked
Overview
Arunachal Pradesh launched the Atma Nirbhar Krishi Yojana (ANKY) in 2021 to push self-reliance in agriculture across its hill districts. The scheme is a credit-linked subsidy: for every eligible agriculture project, the state government pays 45% of the component cost as a front-ended subsidy, a partner bank lends another 45% as a loan, and the farmer contributes the remaining 10%. The arrangement means a farmer starting a ₹2 lakh project puts in only ₹20,000 from their own pocket.
ANKY covers a range of agriculture activities — scientific land terracing to make hill slopes cultivable, double and triple cropping to raise output from the same plot, farm mechanization (power tillers, pump sets, threshers), and apiculture. Individual farmers can take up projects on land between 0.50 hectare and 25 hectares; self-help groups (SHGs) can apply for 1 to 50 hectares, and farmer producer organizations (FPOs) for 5 to 50 hectares. Collateral-free loans go up to ₹1,60,000 for individuals and ₹10,00,000 for SHGs — no mortgage or guarantee needed below those limits.
Three banks participate: State Bank of India, Arunachal Pradesh Rural Bank, and the Arunachal Pradesh Cooperative Apex Bank. The state government has earmarked ₹50 crore for the scheme. Applications can be submitted online through the Agriculture Department portal or offline at the district agriculture office. A separate scheme — Atma Nirbhar Bagwani Yojana (ANBY) — covers horticulture crops on the same subsidy model; ANKY is specifically for field agriculture and allied activities.
What you get
The benefit as the state notifies it — nothing here is an estimate.
- 45% of project cost paid by the state as a front-ended subsidy — the farmer does not repay this.
- Collateral-free bank loan up to ₹1,60,000 for individuals; up to ₹10,00,000 for SHGs.
- Covers land terracing, farm mechanization, double cropping, and apiculture — activities that directly raise productivity on hill farms.
- Open to individual farmers, SHGs, and FPOs — not limited to individual landowners.
Who is eligible
State schemes usually state their criteria as prose rather than a checklist. This is that prose, unpacked — the department’s verification is what decides.
You qualify if
- Permanent resident of Arunachal Pradesh
- Individual farmer with 0.50 to 25 hectares of cultivable land
- Self-help group with 1 to 50 hectares, or FPO with 5 to 50 hectares
- Not a bank loan defaulter
- Not a government servant
Not covered
- Government employees
- Bank defaulters
- Land holdings below 0.50 hectare (individual) or above 25 hectares (individual)
- Horticulture projects — those go under AtmaNirbhar Bagwani Yojana (ANBY), not ANKY
Documents you need
Have these ready before you start — most rejections are a missing paper, not a missing right.
- Aadhaar card
- Domicile certificate or APST (Arunachal Pradesh Scheduled Tribe) certificate
- Land ownership records or community land-use certificate
- Bank passbook (SBI, AP Rural Bank, or AP Cooperative Apex Bank)
- Project report for the proposed agriculture activity
How to apply
Fewer steps than a central scheme, and usually one office rather than a portal.
- 1
Prepare a project report
Decide the agriculture activity — terracing, mechanization, double cropping, apiculture — and prepare a project report with cost estimates. The District Agriculture Officer can help with the format.
- 2
Apply online or at the district office
Submit the application with documents through the Agriculture Department portal (agri.arunachal.gov.in) or collect and submit the offline form at the District Agriculture Office.
- 3
Bank verification and loan sanction
Once the department approves the project, the partner bank (SBI, AP Rural Bank, or AP Cooperative Apex Bank) processes the 45% loan component. The 45% subsidy is released alongside.
- 4
Implementation and inspection
Execute the project on your land. A field inspection by the department verifies the work before final subsidy release.
If something goes wrong
Missing from the list, or payment stuck — here is the channel the department itself publishes for it.
- For a delayed application, subsidy not released after bank sanction, or field inspection not scheduled — take it up with the District Agriculture Officer first. Keep your application reference number and bank sanction letter.
- Beyond the department, file a complaint on the Centralized Public Grievance Redress and Monitoring System (pgportal.gov.in) selecting Arunachal Pradesh and the Agriculture Department. Track the grievance with the registration number provided.
Frequently asked questions
How is ANKY different from AtmaNirbhar Bagwani Yojana?
ANKY covers field agriculture — land terracing, farm mechanization, double cropping, apiculture. ANBY covers horticulture — fruit orchards, spice plantations, floriculture. The subsidy structure (45%–45%–10%) is the same, but the eligible activities differ.
Do I need collateral for the bank loan?
No, for loans up to ₹1,60,000 for individuals and ₹10,00,000 for SHGs. Above those limits, the bank may ask for collateral per its own norms.
Which banks can I approach?
Three banks participate: State Bank of India, Arunachal Pradesh Rural Bank, and Arunachal Pradesh Cooperative Apex Bank. Apply at any branch of these three.
Can a tenant farmer or sharecropper apply?
The scheme requires land records. If you do not own land, check with the District Agriculture Officer whether a community land-use certificate or a lease agreement qualifies — the official guidelines refer to cultivable land, not strictly owned land.
Is there a minimum land holding?
Yes. Individual farmers need at least 0.50 hectare. SHGs need at least 1 hectare, and FPOs at least 5 hectares.
Can I apply for both ANKY and ANBY?
They cover different activities, so in principle a farmer could have an ANKY project for mechanization and an ANBY project for an orchard. Check with the district office whether simultaneous applications are allowed in the current year.
How long does approval take?
The department reviews the project report and documents, then forwards the case to the bank. Timelines vary by district and bank workload — follow up with the District Agriculture Officer if there is no response within 45 days of submission.
Facts checked against agri.arunachal.gov.in on 26 September 2026. editorial policy.