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installment of the account under the Pradhan Mantri Kisan Samman Nidhi Yojana

Title: Ensuring Financial Security: Pradhan Mantri Kisan Samman Nidhi Yojana’s Account Installment Process


The Pradhan Mantri Kisan Samman Nidhi Yojana (PM-Kisan) was introduced by the Indian government in December 2018 to provide financial assistance to small and marginal farmers across the country. The scheme’s primary objective is to ensure that these farmers receive a fixed income of Rs. 6,000 per annum, delivered in three equal installments of Rs. 2,000. In this article, we will explore the process of installment credit under the PM-Kisan Yojana.

Eligibility Criteria:

Before we delve into the installment process, it’s important to understand the eligibility criteria for the PM-Kisan scheme. Farmers that meet the following criteria can avail of the benefits:

1. The farmer should be an Indian citizen.
2. Landholding is limited to a maximum of two hectares.
3. Tenant farmers, as well as families of deceased farmers, can also apply.
4. Institutional landholders and individuals who pay income tax are not eligible.

Application and Verification Process:

To apply for the PM-Kisan scheme, eligible farmers must register themselves via online or offline methods. The online process involves visiting the official PM-Kisan portal and filling in the required details such as Aadhaar card number, bank account details, and landholding documents.

After successful registration, the submitted applications go through a verification process conducted jointly by the central and state governments. This process ensures that only eligible farmers receive the benefits and helps prevent any fraudulent claims.

Account Installment Process:

Upon successful verification, farmers become eligible to receive the PM-Kisan scheme’s first installment of Rs. 2,000. The funds are directly credited to the registered bank accounts of the beneficiaries. However, it’s crucial to ensure that the bank account details provided during the registration are accurate and linked to the Aadhaar card. Any discrepancies might lead to delays or non-receipt of installments.

The subsequent two installments of Rs. 2,000 each are credited to the beneficiary’s bank account after a gap of four months, ensuring farmers receive financial assistance throughout the year. The government aims to transfer these installments timely to provide consistent support for agricultural activities.

Improving Ease of Installment Transfer:

In an effort to further streamline and simplify the installment process, the government has taken several steps. These include:

1. Digital Payments: The PM-Kisan scheme encourages farmers to link their bank accounts with Aadhaar numbers to ensure direct transfer of funds, minimizing manual intervention and delays.

2. Awareness Campaigns: Extensive awareness campaigns are conducted to educate farmers about the scheme, the importance of accurate information provision, and the need for timely updates, reducing discrepancies and ensuring smooth credit of installments.

3. Grievance Redressal: The PM-Kisan portal provides a platform for farmers to lodge complaints if they face any issues during the installment credit process. Prompt resolution of these grievances ensures timely delivery of financial assistance.


The Pradhan Mantri Kisan Samman Nidhi Yojana plays a crucial role in uplifting the financial stability of small and marginal farmers. The installment process ensures that farmers receive consistent financial support, empowering them to invest in agricultural activities, improve productivity, and lead a better life. By simplifying the account installment process, the government is taking strides towards efficient and transparent governance, ensuring the benefits reach the targeted beneficiaries in a timely manner.

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