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India Government Schemes for Farmers — PM-KISAN, KCC, PMFBY, PM-KUSUM, PMFME, NBHM, NBM, Soil Health Card, RKVY, PM-PRANAM and more

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The Government of India runs a portfolio of farmer-facing schemes covering income support, credit, crop insurance, soil health, pensions, price support, organic farming and electronic markets. This page is a quick reference to the major schemes administered by the Department of Agriculture & Farmers Welfare, with eligibility, headline benefit and the official portal for each.

Use these in conjunction with our India Crop Calendar when planning seasonal credit and insurance needs. Browse our knowledge base for crop-specific guides, and note that many of these schemes are implemented on the ground through state agricultural universities and KVKs listed in our universities and research institutes directory.

PM-KISAN (Pradhan Mantri Kisan Samman Nidhi)

PM-KISAN is a central-sector income-support scheme launched in February 2019. It provides ₹6,000 per year to eligible landholding farmer families, paid in three equal instalments of ₹2,000 directly into Aadhaar-linked bank accounts. See our PM-KISAN deep-dive guide for the full exclusion list, registration routes, mandatory eKYC modes, beneficiary status check, common rejection reasons and grievance redressal channels.

  • Eligibility: landholding farmer families, subject to the exclusion list (income-tax payers, institutional landholders, higher-income government employees and certain professionals).
  • Benefit: ₹6,000 per year (3 × ₹2,000) as direct benefit transfer.
  • Portal: pmkisan.gov.in · Read our full PM-KISAN guide →

Kisan Credit Card (KCC)

The Kisan Credit Card scheme provides short-term institutional credit for crop production, post-harvest expenses and consumption needs of the farm household, and was extended to allied activities including animal husbandry and fisheries in 2018–19. See our Kisan Credit Card deep-dive guide for the full eligibility list, scale-of-finance math, the 2% interest subvention plus 3% prompt-repayment incentive that takes the effective rate to 4%, RBI collateral-free ceilings, the application process and grievance redressal. For the subvention side of the same credit — MISS — see our Modified Interest Subvention Scheme deep-dive.

Pradhan Mantri Fasal Bima Yojana (PMFBY)

PMFBY is the flagship crop insurance scheme launched on 13 January 2016 and operational from Kharif 2016, replacing the earlier NAIS and Modified NAIS programmes. It covers yield losses due to non-preventable natural risks across the prevented-sowing, standing-crop, post-harvest (cut-and-spread up to 14 days) and localised-calamity phases for notified crops in notified areas. See our PMFBY deep-dive guidefor capped farmer premium, enrolment cut-off dates, CCE-based claim mechanism (now backed by YES-TECH remote-sensing from Kharif 2023), the 72-hour intimation rule for localised perils, common rejection reasons and grievance redressal via the Krishi Rakshak Portal & Helpline (KRPH) on toll-free 14447.

  • Eligibility: all farmers growing notified crops in notified areas; participation is voluntary for both loanee and non-loanee farmers since the Kharif 2020 revamp.
  • Premium: 2% of sum insured for Kharif food and oilseed crops, 1.5% for Rabi food and oilseed crops, and up to 5% for annual commercial and horticultural crops. The remaining premium is shared between the central and state governments, with the central subsidy capped at 30% (unirrigated) and 25% (irrigated) post Kharif 2020.
  • Portal: pmfby.gov.in · Read our full PMFBY guide →

RWBCIS (Restructured Weather Based Crop Insurance Scheme)

RWBCIS is the parallel weather-index crop-insurance scheme, operationalised from Kharif 2016 alongside PMFBY. Instead of area-yield estimates from Crop Cutting Experiments, it pays out automatically when measured rainfall, temperature, relative humidity or wind speed crosses the thresholds published in the state SLCCCI term sheet — no field survey, no 72-hour intimation. See our RWBCIS deep-dive guide for term-sheet mechanics, the RWS/AWS network, phenological-phase payouts and how it compares to PMFBY.

  • Best fit: horticulture and short-duration crops where weather variability drives most of the loss — mango, apple, grape, banana, potato, onion, coriander, cumin, chilli, isabgol (state SLCCCI notifies exact crop x district).
  • Premium: capped at the same 2% Kharif / 1.5% Rabi / up to 5% commercial-horticulture as PMFBY; balance shared between central and state governments.
  • Claim mechanism: automatic payout on weather-index deviation from term-sheet threshold at the notified Reference Weather Station (RWS) or Automatic Weather Station (AWS); no individual claim application required during the season.
  • Portal: pmfby.gov.in · Read our full RWBCIS guide →

PMFME (PM Formalisation of Micro Food Processing Enterprises)

PMFME is the Ministry of Food Processing Industries' centrally-sponsored scheme launched on 29 June 2020 under the Aatmanirbhar Bharat Abhiyan, with a ₹10,000 crore outlay over 2020-21 to 2024-25. It formalises existing unorganised micro food processing units through a credit-linked back-end capital subsidy, SHG seed capital, FPO / Co-operative project grants and a focused One District One Product (ODOP) approach across 707 districts. See our PMFME deep-dive guide for turnover-ceiling and pathway rules, the ₹10 lakh per unit subsidy cap, ₹40,000 per SHG member seed capital, the branding and marketing grant, and the step-by-step application flow on the PM FME MIS portal.

  • Eligibility: existing unorganised / informal micro food processing enterprises with annual turnover below ₹3 crore (individual pathway); new units permitted only under the SHG / FPO / Co-operative / Producer Company pathway.
  • Benefit:35% credit-linked back-end capital subsidy capped at ₹10 lakh per individual unit; ₹40,000 per member seed capital (≤₹4 lakh per SHG); 35% grant on FPO / SHG / Co-op single projects; 50% branding & marketing grant for ODOP groups.
  • Portal: pmfme.mofpi.gov.in · Read our full PMFME guide →

Soil Health Card Scheme

Launched in February 2015, the Soil Health Card scheme aims to issue soil cards to farmers every 2–3 years with crop-wise recommendations on macro-nutrients (nitrogen, phosphorus, potassium) and micro-nutrients to encourage balanced fertiliser use and soil sustainability.

  • Eligibility: all farmers; cards are issued by state agriculture departments through soil-testing labs, KVKs and state agricultural universities.
  • Benefit: a personalised soil health report with fertiliser recommendations valid for 2–3 years, helping reduce input costs and improve yields. See our Soil Health Card guide for a full walkthrough of the 12 parameters tested and how to act on the recommendations.
  • Portal: soilhealth.dac.gov.in

PM Kisan Maan-Dhan Yojana (PM-KMY)

PM-KMY is a voluntary, contributory pension scheme for small and marginal farmers, providing old-age income security. Eligible farmers between 18 and 40 years of age can enrol and make matching monthly contributions until age 60, when the pension begins. See our PM-KMY deep-dive guide for the full contribution slabs (₹55–₹200/month matched 1:1 by the centre), the ₹3,000 monthly pension, 50% family pension on death, exit / refund rules and the convergence with PM-KISAN.

  • Eligibility: small and marginal farmers (with cultivable landholding up to 2 hectares) aged 18–40, subject to the exclusion list as per official guidelines.
  • Benefit:a minimum monthly pension of ₹3,000 after the farmer attains 60 years of age; the central government matches the beneficiary's contribution to the pension fund.
  • Portal: maandhan.in · Read our full PM-KMY guide →

PM-AASHA (Pradhan Mantri Annadata Aay SanraksHan Abhiyan)

PM-AASHA is an umbrella price-support scheme launched in September 2018 and continued by the Cabinet Committee on Economic Affairs in September 2024, aimed at ensuring remunerative prices to farmers for notified pulses, oilseeds and copra at MSP set at ≥150% of the cost of production. It combines three components: the Price Support Scheme (PSS), the Price Deficiency Payment Scheme (PDPS) and the Private Procurement & Stockist Scheme (PPSS). See our PM-AASHA deep-dive guide for the PSS / PDPS / PPSS components, ₹35,000 crore continuation outlay and procurement portals.

  • Eligibility: farmers growing notified pulses, oilseeds and copra in states that have opted in to a particular component for a given season.
  • Benefit: physical procurement at Minimum Support Price (PSS), cash compensation for the gap between MSP and market price (PDPS), or participation by private agencies for procurement (PPSS), as per official guidelines.
  • Portal: agriwelfare.gov.in (schemes section) · Read our full PM-AASHA guide →

Paramparagat Krishi Vikas Yojana (PKVY)

PKVY promotes cluster-based organic farming with adoption of the Participatory Guarantee System of India (PGS-India) certification. Farmers form clusters and receive financial assistance for organic inputs, certification and marketing support over a three-year cycle.

  • Eligibility: farmers organised into clusters (typically 50 farmers covering ~50 hectares) willing to adopt organic farming under the PGS-India framework.
  • Benefit: financial assistance up to ₹50,000 per hectare over three years (covering inputs, on-farm activities, certification, value addition and marketing), as per official guidelines.
  • Portal: pgsindia-ncof.gov.in · agriwelfare.gov.in · Read our full PKVY guide →
  • See our PKVY deep-dive guide for cluster formation, the PGS-India certification flow, the three-year ₹50,000/ha financial assistance break-up, and how PKVY converges with MOVCDNER, BPKP and NMNF.

National Mission on Natural Farming (NMNF)

NMNF is the Government of India's standalone centrally-sponsored scheme for chemical-free, cattle-based natural farming, approved by the Union Cabinet on 25 November 2024 with a total outlay of ₹2,481 crore (₹1,584 crore central + ₹897 crore state share). It succeeds the Bharatiya Prakritik Krishi Paddhati (BPKP) sub-component of PKVY and aims to reach about 1 crore farmers across ~7.5 lakh hectares through ~15,000 Gram Panchayat-level clusters, supported by 10,000 Bio-Input Resource Centres (BRCs) and a Krishi Sakhi-led extension cadre. See our NMNF deep-dive guide for the four pillars (Beejamrit, Jeevamrit, Whapasa, mulching), the per-hectare DBT to enrolled farmers, BRC mapping, Krishi Sakhi deployment, the Gram Panchayat application route via the State Nodal Agency, convergence with PKVY / MOVCDNER / PM-PRANAM / Soil Health Card and how NMNF avoids double-funding the same hectare.

  • Eligibility: farmers organised into Gram Panchayat-level clusters of ~125 farmers covering ~50 hectares, with a minimum 1-hectare commitment per farmer and a paired BRC.
  • Benefit: per-hectare DBT assistance, cluster-level Krishi Sakhi extension and Farmer Field Schools, a Model Demonstration Farm per cluster, and access to BRC-supplied Jeevamrit, Beejamrit and botanical extracts.
  • Portal: naturalfarming.dac.gov.in · agriwelfare.gov.in · Read our full NMNF guide →

PM-PRANAM (Programme for Restoration, Awareness, Generation, Nourishment and Amelioration of Mother Earth)

PM-PRANAM is the Department of Fertilizers' state-incentive scheme for cutting chemical fertilizer use, approved by the Union Cabinet on 28 June 2023 as part of a ₹3.68 lakh crore nutrient-management package. It has no separate budget; instead, 50% of the urea + NBS subsidy savings generated by a state that reduces chemical-fertilizer consumption (urea, DAP, MOP, NPK) against its last three-year average is returned to that state as a grant. Within the grant, 70% funds asset creation for sustainable agriculture and alternate fertilizer adoption at the village / block / district level — bio-input centres, manure-management infrastructure, soil-testing labs and demonstration units — and 30% rewards farmers, panchayats, FPOs and SHGs that delivered the reduction. Performance is tracked through the Integrated Fertilizer Management System (iFMS) and the DBT-Fertilizers retailer PoS data. See our PM-PRANAM deep-dive guide for the incentive math, the alternate-nutrient basket (nano-urea, nano-DAP, Sulphur-Coated Urea / Urea Gold, FOM, PROM, city compost) and the convergence with NMNF, PKVY, the Soil Health Card scheme and PMKSY-PDMC.

  • Eligibility: state and Union Territory governments; on-the-ground reductions are delivered through NMNF, PKVY and Soil Health Card-led balanced fertilisation and nano-fertiliser adoption.
  • Benefit: 50% of the state's urea + NBS subsidy saving as a grant — 70% to asset creation, 30% to reward farmers, panchayats, FPOs and SHGs. State-level grant amounts vary by state and assessment year.
  • Portal: fert.nic.in · pib.gov.in · Read our full PM-PRANAM guide →

PMKSY — Per Drop More Crop (PDMC)

Pradhan Mantri Krishi Sinchayee Yojana (PMKSY), launched in 2015–16, is the umbrella irrigation scheme of the Government of India. Its on-farm Per Drop More Crop (PDMC)component, administered by DA&FW, subsidises drip, sprinkler and micro-sprinkler systems that raise water-use efficiency on existing irrigated land. See our Per Drop More Crop (PMKSY-PDMC) micro-irrigation guide for the subsidy structure (55% / 45% combined central + state share for small-marginal vs other farmers, with state top-ups in several states), drip vs sprinkler choice, water-saving evidence and how to apply through state Horticulture / Agriculture departments.

  • Eligibility: all farmers; small and marginal farmers receive higher assistance and additional state top-ups in several states.
  • Benefit:45–55% combined central + state subsidy on empanelled drip / sprinkler / micro-sprinkler systems, released via DBT after geo-tagging and inspection. NABARD's Micro-Irrigation Fund (MIF) lets states top this up further for small and marginal farmers.
  • Portal: pmksy.gov.in · agriwelfare.gov.in

Atal Bhujal Yojana (ATAL JAL)

Atal Bhujal Yojana (ATAL JAL / ABHY) is a Central Sector Scheme of the Ministry of Jal Shakti, approved by the Union Cabinet on 24 December 2019 and launched by Prime Minister Narendra Modi on 25 December 2019 (Good Governance Day), with a total outlay of ₹6,000 crore over 2020–21 to 2024–25 — co-financed 50:50 by a World Bank IBRD Program-for-Results loan (₹3,000 crore) and Government of India Budgetary Support (₹3,000 crore). Unlike PMKSY's supply-side irrigation infrastructure, ATAL JAL is a demand-side, community-led groundwater management scheme. It covers ~8,220 water-stressed Gram Panchayats across 78 districts in seven states— Gujarat, Haryana, Karnataka, Madhya Pradesh, Maharashtra, Rajasthan and Uttar Pradesh — identified from the Central Ground Water Board's over-exploited, critical and semi-critical categorisation. See our Atal Bhujal Yojana deep-dive guide for the two-component split (Institutional Strengthening & Capacity Building ~₹1,400 crore + Incentive Component / Program on Local Requirements ~₹4,600 crore), the five Disbursement-Linked Indicators on public disclosure, community Water Security Plans, convergence financing, water-efficient practices and measurable improvement in the rate of decline of groundwater levels, and how ATAL JAL converges with PMKSY-PDMC drip / sprinkler, MGNREGA structures, Jal Jeevan Mission and PM-KUSUM feeder solarisation.

  • Eligibility: Gram Panchayats and communities in the ~8,220 identified water-stressed GPs across seven states. Individual farmers do not apply directly; benefits reach them through the converging schemes (PDMC drip / sprinkler, MGNREGA farm ponds, PM-KUSUM solarisation, JJM connection) that finance the Gram Sabha–approved Water Security Plan.
  • Benefit: Gram-Panchayat-level community groundwater planning, capacity building, upgraded piezometer / observation-well monitoring, and Disbursement-Linked-Indicator-based incentive grants to states for verified progress on public disclosure of groundwater data, community Water Security Plans, convergence financing, water-use-efficient practices and improvement in the rate of decline of groundwater levels.
  • Portal: ataljal.mowr.gov.in · jalshakti-dowr.gov.in · Read our full ATAL JAL guide →

PM-KUSUM (Pradhan Mantri Kisan Urja Suraksha evam Utthaan Mahabhiyan)

PM-KUSUM is the MNRE-administered scheme for solarising Indian agriculture, approved in February 2019 and expanded by the Union Cabinet to an aggregate capacity of about 30,800 MW in November 2020. It bundles three components: Component A (10,000 MW of decentralised 500 kW–2 MW grid-connected solar plants on farmer / panchayat / FPO land within 5 km of a sub-station), Component B (17.5 lakh standalone solar agriculture pumps of up to 7.5 HP for off-grid / poor-supply areas), and Component C (solarisation of 10 lakh grid-connected pumps as either Individual Pump Solarisation or feeder-level solarisation). See our PM-KUSUM deep-dive guide for the Component A / B / C split, the 30% CFA + 30% state + 40% farmer subsidy pattern (50:30:20 for NE / hilly states), how FLS has overtaken IPS under Component C, what farmers actually earn on Component A leases, and how PM-KUSUM converges with PMKSY-PDMC drip irrigation and the Kisan Credit Card.

  • Eligibility: individual farmers, group of farmers, panchayats, co-operatives, FPOs and Water User Associations, applying through the State Nodal Agency (e.g. MEDA, GEDA, REIL, TEDA, NREDCAP).
  • Benefit: 30% Central Financial Assistance + 30% state subsidy on Component B pumps and Component C IPS, with the 40% farmer share financeable through KCC investment credit; long-term DISCOM PPA / land lease revenue under Component A; reduced agriculture subsidy burden for DISCOMs under feeder-level solarisation.
  • Portal: pmkusum.mnre.gov.in · mnre.gov.in · Read our full PM-KUSUM guide →

Namo Drone Didi

Namo Drone Didi is a central-sector scheme approved by the Union Cabinet on 28 November 2023 and launched by the Prime Minister on 30 November 2023. Under the scheme, agriculture-spray drones along with a complete accessory package are provided to 15,000 women Self Help Groups (SHGs) over 2024–25 and 2025–26 so they can run drone-based spraying of nano-urea, fertiliser and pesticides as a rental service to farmers under the wider Lakhpati Didi initiative. See our Namo Drone Didi deep-dive guide for the ₹8 lakh / 80% central subsidy structure, the AIF-backed balance loan with 3% interest subvention, the 15-day DGCA pilot + agri-use training and how SHGs apply through their State Rural Livelihood Mission.

  • Eligibility: women SHGs federated under DAY-NRLM or an equivalent state rural livelihood mission, selected by the District Mission Management Unit and state steering committee.
  • Benefit:a complete DGCA-compliant spray-drone package (10-litre tank, four extra batteries, charging hub, GPS tracker, anemometer and spares) with an 80% central subsidy capped at ₹8 lakh per SHG, plus 15-day residential training for the “Drone Didi”.
  • Portal: agriwelfare.gov.in · aajeevika.gov.in · Read our full Namo Drone Didi guide →

Agriculture Infrastructure Fund (AIF)

The Agriculture Infrastructure Fund is a ₹1 lakh crore central-sector financing facility launched on 9 August 2020 for medium- and long-term debt investment in post-harvest management infrastructure and community-farming assets. It is the principal capital window for warehouses, cold chains, primary processing units, custom hiring centres, SHG-operated drones and e-marketing infrastructure. See our AIF deep-dive guide for the 3% interest subvention, CGTMSE credit guarantee, eligible-project list and the application flow on the AIF online portal.

  • Eligibility: individual farmers, FPOs, SHGs, JLGs, PACS, marketing co-operative societies, agri-entrepreneurs, start-ups, APMCs, state agencies and PPPs sponsored by central / state government or local bodies.
  • Benefit: 3% per annum interest subvention on loans up to ₹2 crore per project for seven years, plus CGTMSE-backed credit guarantee on collateral-free loans up to ₹2 crore; maximum tenure 14 years with moratorium up to 2 years.
  • Portal: agriinfra.dac.gov.in · Read our full AIF guide →

Formation and Promotion of 10,000 FPOs (Farmer Producer Organizations)

The Central Sector Scheme for Formation and Promotion of 10,000 Farmer Producer Organizations (FPOs) was announced in Budget 2019-20 and approved by the Union Cabinet on 19 February 2020 with a total outlay of ₹6,865 crore. It is operated by the Department of Agriculture & Farmers Welfare through three lead Implementing Agencies — NABARD, SFAC and the National Cooperative Development Corporation (NCDC) — together with NAFED, NDDB, TRIFED and state cooperative federations, each handholding a cluster of FPOs through an empanelled Cluster Based Business Organization (CBBO). The scheme provides a matching equity grant of up to ₹2,000 per farmer member capped at ₹15 lakh per FPO, a credit guarantee cover up to ₹2 crore per FPO through NABSanrakshan, and management-cost support of up to ₹18 lakh per FPO over five years. See our 10,000 FPO Scheme deep-dive guide for the CBBO architecture, equity-grant and CGFFPO mechanics, the One-Product-One-Cluster (OPOC) approach, Section 80PA tax position and convergence with AIF, PMFME, e-NAM, PMKSY-PDMC, SMAM, NMNF and PKVY.

  • Eligibility: farmer groups of at least 300 members in plain areas (100 in NE / hilly areas) registered as a Producer Company under the Companies Act, 2013 or a Cooperative Society under state / Multi-State cooperative law, handheld by an empanelled CBBO.
  • Benefit: matching equity grant up to ₹2,000 per member (cap ₹15 lakh per FPO), CGFFPO credit-guarantee cover up to ₹2 crore per FPO via NABSanrakshan, management- cost support of up to ₹18 lakh per FPO over five years, and 100% Section 80PA income-tax deduction on eligible Producer Company profits up to ₹100 crore turnover.
  • Portal: nafpo.in · agriwelfare.gov.in · Read our full 10,000 FPO Scheme guide →

National Food Security Mission (NFSM)

NFSM is the DA&FW flagship centrally-sponsored scheme for area expansion and productivity enhancement in rice, wheat, pulses, coarse cereals / nutri-cereals (millets) and commercial crops (cotton, jute, sugarcane), launched Rabi 2007–08 to add 20 million tonnes of foodgrain output over the 11th Plan. Oilseeds were carved out into NMEO-Oilseeds and NMEO-OP. On 1 October 2024 NFSM was consolidated under the new Krishonnati Yojana umbrella alongside NMEO-Oilseeds, NMEO-OP, the Sub-Mission on Seeds and Planting Material, the Integrated Scheme on Agricultural Mechanization and the Sub-Mission on Agricultural Extension. See our NFSM deep-dive guide for the architecture, crop sub-components, cost-share and the 100-hectare cluster demonstration model.

  • Eligibility: state-led — sanctioning by the State Food Security Mission Executive Committee chaired by the Chief Secretary; implementation by state agriculture departments, SAUs, ICAR institutes, KVKs, ATMA and accredited FPOs in notified districts.
  • Benefit: 100-hectare cluster demonstrations, certified / HYV seed and seed minikits, farm machinery, INM / IPM packages linked to Soil Health Card recommendations, and KVK-led Farmer Field Schools.
  • Portal: nfsm.gov.in · Read our full NFSM guide →

National Mission on Edible Oils — Oilseeds (NMEO-Oilseeds)

NMEO-Oilseeds is the DA&FW centrally-sponsored scheme approved by the Union Cabinet on 3 October 2024 with a total outlay of ₹10,103 crore for the seven-year period 2024–25 to 2030–31, to reduce dependence on imported edible oils by raising domestic oilseed production from about 39 million tonnes (2022–23) to 69.7 million tonnes by 2030–31. The mission rolls out about 600 Value Chain Clusters across 347 identified districts covering roughly 10 lakh hectares of oilseed area per year, anchored by FPOs, state seed corporations, co-operatives or DA&FW-empanelled value-chain partners. From 1 October 2024 it sits under Krishonnati Yojana alongside NFSM, NMEO-OP, the Sub-Mission on Seeds and Planting Material, the Integrated Scheme on Agricultural Mechanization (ISAM) and the Sub-Mission on Agricultural Extension. See our NMEO-Oilseeds deep-dive guide for the focus crops (rapeseed-mustard, groundnut, soybean, sunflower, sesame), the 65 Seed Hubs and 50 Seed Storage Facilities, the SATHI seed traceability spine, secondary sources (cottonseed, rice bran, tree-borne oilseeds), cost-share and how the mission converges with NFSM, ISAM, PMFBY, KCC and the AIF.

  • Eligibility: cluster-led — farmers participate through the FPO, state seed corporation, co-operative or empanelled value-chain anchor of the Value Chain Cluster in their notified district; sanctioning by the state nodal department under the Krishonnati Yojana umbrella.
  • Benefit: subsidised certified / Foundation Seed of high-oil-content varieties, frontline demonstrations, oilseed-specific farm machinery (sub-soilers, raised-bed planters, decorticators, harvesters), gypsum / micro-nutrients / bio-fertilisers tied to Soil Health Card recommendations, and cluster-level post-harvest infrastructure in convergence with AIF.
  • Portal: agriwelfare.gov.in · sathi.dac.gov.in · Read our full NMEO-Oilseeds guide →

Agricultural Technology Management Agency (ATMA) — Sub-Mission on Agricultural Extension

ATMA is the Government of India's district-level autonomous society for decentralised, participatory, farmer-driven extension — piloted in 28 districts from 1998–99 under a World Bank-assisted programme and scaled nationwide from 2005–06. It is funded by the Sub-Mission on Agricultural Extension (SMAE), which from 1 October 2024 sits under Krishonnati Yojana alongside NFSM, NMEO-Oilseeds, NMEO-OP, the Sub-Mission on Seeds and Planting Material and the Integrated Scheme on Agricultural Mechanization. See our ATMA deep-dive guide for the District Collector-chaired Governing Board, the Block Technology Team / Farm Information Advisory Committee / Farmer Friend architecture, the Strategic Research and Extension Plan (SREP) and how ATMA converges with KVKs, ICAR and state agricultural universities.

  • Eligibility: state-led — sanctioning by the State Level Sanctioning Committee chaired by the Chief Secretary; implementation by district ATMA societies, state agriculture / horticulture / animal husbandry / fisheries departments, KVKs and SAUs.
  • Cost-share: 60:40 centre-state (general states), 90:10 (NE and Himalayan states / UTs), 100% central for UTs without a legislature.
  • Benefit: Farmer Field Schools, Farm Schools, frontline demonstrations, intra- and inter-state exposure visits, Kisan Mela, Farmer Friends, Commodity / Farmer Interest Groups that graduate to FPOs, and skill-development trainings on micro-irrigation, INM / IPM, post-harvest and value addition.
  • Portal: extensionreforms.dacnet.nic.in · agriwelfare.gov.in · Read our full ATMA guide →

Agri-Clinics and Agri-Business Centres (ACABC) Scheme

ACABC is a central-sector scheme of the Department of Agriculture & Farmers Welfare, launched in April 2002 and implemented nationally by the National Institute of Agricultural Extension Management (MANAGE), Hyderabad, with NABARD as the refinancing agency. It provides eligible agri graduates and diploma holders with a free 45-day residential training at one of 100+ Nodal Training Institutes, two years of post-training handholding, and a NABARD-refinanced credit-linked back-ended composite subsidy for setting up agri-enterprises. See our ACABC deep-dive guide for eligibility, the training model, the subsidy structure, eligible enterprises and convergence with PMFME, RKVY-RAFTAAR, ATMA, the 10,000 FPO scheme and the Agriculture Infrastructure Fund.

ACABC at a glance

  • Eligibility: graduates in agriculture and allied subjects (agriculture, horticulture, animal husbandry, forestry, dairy, veterinary science, poultry, fisheries, sericulture, food technology, agri-engineering, biotechnology); diploma / PG diploma holders (≥55% marks) in agri and allied subjects; biological science graduates with PG in agri subjects; 10+2 with agriculture vocational course. No age bar.
  • Training: 45-day residential programme at a MANAGE-empanelled Nodal Training Institute — free training, boarding and lodging, plus a stipend during training and two years of post-training handholding support.
  • Project ceiling: ₹20 lakh per individual venture (up to ₹25 lakh for extremely successful individual projects); ₹100 lakh (₹1 crore) for a group of 5 with at least one woman / SC / ST / NE candidate, capped at ₹20 lakh per member.
  • Subsidy:36% credit-linked back-ended composite subsidy for general candidates; 44% for women, SC / ST and candidates from North-Eastern states, hilly states and Andaman & Nicobar Islands. Released by NABARD to the lending bank.
  • Portal: agriclinics.net · acabcmis.gov.in · manage.gov.in · Read our full ACABC guide →

Rashtriya Krishi Vikas Yojana (RKVY) — now PM-RKVY and Krishonnati Yojana

RKVY is the umbrella centrally-sponsored scheme that funds state-led agriculture and allied-sector projects against a multi-year State Agriculture Plan built up from District Agriculture Plans. Launched in 2007–08 and rebranded RKVY-RAFTAAR in 2017–18, it was restructured by the Union Cabinet on 1 October 2024 into two umbrella schemes — PM-RKVY for sustainable agriculture (consolidating regular RKVY, the Soil Health Mission, Rainfed Area Development, Per Drop More Crop, Sub-Mission on Agroforestry (SMAF), PKVY and Crop Residue Management) and Krishonnati Yojana for food security (consolidating the National Food Security Mission, NMEO-Oilseeds, NMEO-OP, the Sub-Mission on Seeds and Planting Material, the Integrated Scheme on Agricultural Mechanization and the Sub-Mission on Agricultural Extension). See our RKVY deep-dive guide for the full architecture, cost-share, SAP / DAP planning route, the Agripreneur Programme and where farmers actually see the benefit.

  • Eligibility: state-led — sanctioning by the State Level Sanctioning Committee chaired by the Chief Secretary, implementation by state agriculture / horticulture / animal husbandry / fisheries departments, state agricultural universities, KVKs, R-ABIs and FPOs. Agritech startups apply through host R-ABIs and Knowledge Partners under the Agripreneur Programme.
  • Cost-share: 60:40 centre-state (general states), 90:10 (NE and Himalayan states / UTs), 100% central for UTs without a legislature.
  • Benefit: Custom Hiring Centres and farm machinery banks, Soil Health Card sampling, micro-irrigation under PMKSY-PDMC,PKVY organic clusters, post-harvest infrastructure that plugs into e-NAM, KVK demonstration plots, and idea-stage grants of up to ₹5 lakh / seed-stage grants of up to ₹25 lakh per agri-startup under the Agripreneur Programme.
  • Portal: rkvy.da.gov.in · agriwelfare.gov.in · Read our full RKVY guide →

Rashtriya Gokul Mission (RGM)

Rashtriya Gokul Mission is the DAHD flagship scheme for development and conservation of indigenous bovine breeds. Launched in December 2014 and continued by the CCEA on 24 February 2022 with a ₹2,400 crore Phase III outlay for 2021-22 to 2025-26, it accelerates genetic improvement of the 53 registered desi cattle and buffalo breeds through sex-sorted semen (50% subsidy capped at ₹750 / dose), IVF (50% subsidy capped at ₹5,000 per assured pregnancy) and Breed Multiplication Farms (50% capital subsidy up to ₹2 crore), and tags every enrolled animal with a 12-digit Pashu Aadhaar on the INAPH database. See our Rashtriya Gokul Mission deep-dive guide for the four Phase III components, Gopal Ratna Awards and convergence with AHIDF, NPDD, NLM, NADCP, the Kisan Credit Card and PM-KISAN.

  • Eligibility: dairy farmers rearing indigenous cattle / buffalo breeds; MAITRI AI technicians; dairy co-operatives, MPCs and FPOs; entrepreneurs setting up a Breed Multiplication Farm with ≥200 indigenous-breed bovines.
  • Benefit: 50% sex-sorted semen subsidy (max ₹750/dose), 50% IVF subsidy (max ₹5,000/pregnancy), 50% BMF capital subsidy (max ₹2 crore), and Gopal Ratna Awards (₹5/3/2 lakh in three categories on National Milk Day, 26 November).
  • Portal: dahd.nic.in · nddb.coop · Read our full RGM guide →

Animal Husbandry Infrastructure Development Fund (AHIDF)

AHIDF is the Government of India's flagship infrastructure financing facility for the animal-husbandry value chain, approved by the Union Cabinet on 24 June 2020 under Atmanirbhar Bharat with an initial ₹15,000 crore corpus and extended on 28 February 2024 by three years to 2025-26 with a revised fund size of approximately ₹29,610 crore. Operated by the Department of Animal Husbandry & Dairying (DAHD) and delivered through scheduled banks with NABARD refinance, it offers up to 90% of project cost as bank loan with a 3% interest subvention for 8 years (including 2 years moratorium) and credit-guarantee cover up to 25% of the credit facility for MSME-defined projects from a dedicated ₹750 crore Credit Guarantee Fund Trust. Eligible activities span dairy and meat processing, animal feed plants, breed multiplication farms, animal waste-to-wealth (biogas / organic fertilizer), veterinary vaccine and drug production and Type-A/B/C IVF labs (the last two added in the 2024 extension). See our AHIDF deep-dive guide for the financial structure, eligible entities (FPOs, MSMEs, Section 8 companies, private companies, individual entrepreneurs and dairy cooperatives), the application route on the AHIDF portal and convergence with Rashtriya Gokul Mission, the National Livestock Mission, DIDF and the broader Agriculture Infrastructure Fund.

  • Eligibility: FPOs, MSMEs, Section 8 companies, private companies, individual entrepreneurs and dairy cooperatives (including milk unions registered under State Cooperative Acts / MSCS).
  • Benefit: up to 90% bank loan with 3% interest subvention for 8 years (incl. 2-year moratorium); credit-guarantee cover up to 25% of facility for MSME projects via a dedicated ₹750 crore Credit Guarantee Fund Trust; NABARD refinance to lending banks.
  • Portal: ahidf.udyamimitra.in · dahd.nic.in · Read our full AHIDF guide →

Sub-Mission on Agricultural Mechanization (SMAM / ISAM)

SMAM is the DA&FW flagship scheme for expanding farm mechanization to small and marginal farmers, launched in 2014-15 and renamed the Integrated Scheme on Agricultural Mechanization (ISAM) from 1 October 2024 under the new Krishonnati Yojana umbrella. It funds individual-ownership subsidies (40% general / 50% for SC/ST, women, small-marginal and NE/hilly farmers), village-level Farm Machinery Banks (80% subsidy up to ₹10 lakh), larger Custom Hiring Centres (40-50% up to ₹60 lakh), Hi-Tech Hubs (up to ₹250 lakh), the dedicated Crop Residue Management (CRM)sub-scheme that tackles paddy-stubble burning in Punjab, Haryana, UP and the NCT of Delhi (50% individual / 80% CHC), and a notified agri-drone window (up to 75% subsidy for FPOs). See our SMAM deep-dive guide for the four delivery channels, the CRM stream, FMTTI training network and the step-by-step application flow on agrimachinery.nic.in.

  • Eligibility: individual farmers (with category slabs for SC/ST, women, small/marginal, NE/hilly), FPOs, registered farmer co-operatives, SHGs, Gram Panchayats, rural entrepreneurs setting up CHCs, FMBs or Hi-Tech Hubs.
  • Benefit: 40-50% individual-ownership subsidy on notified machinery; 80% / ₹10 lakh for village-level FMBs; 40-50% / ₹60 lakh for CHCs; 40-50% / ₹250 lakh for Hi-Tech Hubs; 50% individual / 80% CHC for CRM machinery; drone subsidies up to 75% for FPOs.
  • Portal: agrimachinery.nic.in · fmttibudni.gov.in · Read our full SMAM guide →

Pradhan Mantri Matsya Sampada Yojana (PMMSY)

PMMSY is the Government of India's flagship fisheries scheme, approved by the Union Cabinet on 20 May 2020 and launched on 10 September 2020 with a total outlay of ₹20,050 crore over FY 2020-21 to FY 2024-25 — the single largest investment ever made in the Indian fisheries sector. It is administered by the Department of Fisheries (DoF) and combines a Central Sector (CS) component with a Centrally Sponsored (CSS) component split into Beneficiary-Oriented and Non-Beneficiary-Oriented sub-components. Targets include raising fish production from 13.75 mt (2018-19) to 22 mt by 2024-25, doubling exports to ₹1 lakh crore, and adding ~55 lakh jobs; the PM-MKSSY central-sector sub-scheme (₹6,000 crore, FY 2023-24 to FY 2026-27) is the formalisation and microenterprise-credit pillar. See our PMMSY deep-dive guide for the full architecture, the 40 / 60% subsidy pattern, eligible activities and the application route via the District Fisheries Officer.

  • Eligibility: fishers, fish farmers, fish workers, fish vendors, fisheries co-operatives, SHGs, FPOs and entrepreneurs across the marine, brackish-water and inland aquaculture value chains.
  • Benefit: 60% of unit cost for women / SC / ST beneficiaries and 40% for general on CSS-BO assets; 100%-centrally-funded CS national programmes (Sagar Mitra, traceability, broodbanks); ₹5 lakh group accident insurance for registered fishers.
  • Portal: pmmsy.dof.gov.in · Read our full PMMSY guide →
  • Sub-scheme: PM-MKSSY — Pradhan Mantri Matsya Kisan Samridhi Sah-Yojana, the Central Sector Sub-Scheme approved on 8 February 2024 with a ₹6,000 crore outlay over FY 2023-24 to FY 2026-27 for NFDP digital identity, institutional credit and aquaculture insurance.

NBHM (National Beekeeping & Honey Mission)

NBHM is the Government of India's flagship beekeeping scheme — colloquially the "Sweet Revolution" — announced as part of Atmanirbhar Bharat on 15 May 2020 with an initial outlay of ₹500 crore for 2020-21 to 2022-23. It is implemented by the National Bee Board (NBB) under the Department of Agriculture & Farmers Welfare and is structured around three Mini Missions: MM-I for production and productivity (training, colonies, equipment, pollination support), MM-II for post-harvest infrastructure (processing units, packaging, branding, value addition for honey, beeswax, propolis, royal jelly and bee venom) and MM-IIIfor R&D — including World-class State-of-the-Art Honey Testing Laboratories, mini honey testing labs and the Madhukranti traceability portal. See our NBHM deep-dive guide for the relevant Indian bee species (Apis cerana indica, Apis mellifera, Apis dorsata, Apis florea and stingless Trigona), pollination economics, the honey-export market and the application route via the State Beekeeping Development Committee.

  • Eligibility: individual beekeepers, beekeeping cooperatives, FPOs, SHGs, tribal communities, ICAR institutes and State Agricultural Universities; honey-processing entrepreneurs may stack with PMFME and AIF.
  • Benefit: support for bee colonies and equipment under MM-I, honey processing / branding infrastructure under MM-II, and applied research plus lab certification under MM-III; lot-level traceability via the Madhukranti portal.
  • Portal: nbb.gov.in · Read our full NBHM guide →

NBM (Restructured National Bamboo Mission)

NBM is the Government of India's value-chain scheme for bamboo development, approved in its restructured form by the CCEA on 25 April 2018 with an outlay of ₹1,290 crorefor 2018-19 and 2019-20 and continued thereafter under the Department of Agriculture & Farmers Welfare. The restructured mission was made possible by the Indian Forest (Amendment) Act 2017, which removed home-grown bamboo from the legal definition of tree and finally freed farmers to plant, fell and transport bamboo from non-forest land without forest-department permits. NBM funds the full value chain — quality planting material from tissue culture units and certified nurseries, block plantations on private and non-forest government land, treatment plants, primary processing units, Common Facility Centres, Bamboo Technology Parks, design and skill development, and marketing. See our NBM deep-dive guide for priority states, commercially important species (Dendrocalamus strictus, Bambusa bambos, Bambusa tulda, Bambusa balcooa, Melocanna baccifera), IS codes for bamboo construction and the application route via the State Bamboo Mission.

  • Eligibility: individual farmers and homestead growers, FPOs and cooperatives, SHG federations, MSMEs and start-ups, State agriculture / horticulture / forest departments, and State Agricultural Universities / ICAR / ICFRE institutes; entrepreneurs may stack with PMFME, AIF and RKVY.
  • Benefit: assistance for private-land block plantations (typically 50% of the notified unit cost per hectare, staggered over three years), matching grants for tissue-culture units, nurseries, treatment plants and CFCs, and block grants for Bamboo Technology Parks; higher grant components for SC / ST / NER / hill / island beneficiaries.
  • Portal: nbm.nic.in · Read our full NBM guide →

e-NAM (National Agriculture Market)

e-NAM is a pan-India electronic trading portal that networks existing APMC mandis to create a unified national market for agricultural commodities. It enables online price discovery, transparent auctions and inter-mandi or inter-state trade for registered farmers, traders and FPOs.

  • Eligibility: farmers, farmer producer organisations, traders and commission agents registered on the portal through participating mandis.
  • Benefit:wider market access, online bidding, quality-assayed lots and direct payments to the farmer's bank account. See our e-NAM mandi guide for the full process flow, registration steps for farmers, FPOs and traders, and how eNWR warehouse-based trading works.
  • Portal: enam.gov.in

WDRA & eNWR (Warehousing Development and Regulatory Authority)

WDRA is the statutory regulator constituted under the Warehousing (Development and Regulation) Act, 2007 and notified on 26 October 2010 under the Department of Food & Public Distribution. It registers warehouses and authorises repositories (NERL and CCRL) to issue electronic Negotiable Warehouse Receipts (eNWRs) — digitised, transferable receipts that let farmers pledge stored produce with banks (at MISS-concessional rates up to ₹3 lakh) or trade lots on e-NAM's warehouse-based module without physically moving the stock back to a mandi.

  • Eligibility: farmers, FPOs, traders and processors depositing with WDRA-registered warehouses; warehouse operators seeking registration.
  • Benefit: pledge financing at an effective 4% p.a. under MISS for up to six months post-harvest, e-NAM warehouse-based trading, and a layered depositor-protection stack (insurance + security deposit with WDRA + grievance redressal). See our WDRA & eNWR guide for the end-to-end pledge cycle, registration requirements and repository (NERL / CCRL) framework.
  • Portal: wdra.gov.in

Figures and entitlements above are indicative and follow the latest publicly available scheme guidelines; farmers should always check the relevant official portal — or contact their local agriculture department, KVK or bank branch — for current rates, deadlines and documentation before applying.

References

Frequently asked questions

Who is eligible for PM-KISAN?
PM-KISAN provides income support to all landholding farmer families in India, subject to certain exclusion criteria. Higher-income earners, institutional landholders, serving and former government employees above specified ranks, professionals such as doctors and lawyers, and income-tax payers are excluded as per official guidelines. Eligible families receive ₹6,000 per year in three instalments of ₹2,000, credited directly to bank accounts linked through Aadhaar.
What is the maximum loan amount under a Kisan Credit Card?
Kisan Credit Card limits are set by the issuing bank based on the farmer's cropping pattern, scale of finance for the area and post-harvest or allied-activity needs. Loans up to ₹3 lakh attract interest subvention and a prompt-repayment incentive under the central scheme, effectively reducing the cost of short-term crop credit. Larger limits are sanctioned at the bank's discretion as per Reserve Bank of India and NABARD norms.
How do I apply for a Soil Health Card?
Soil Health Cards are issued by state agriculture departments through the network of soil testing laboratories, Krishi Vigyan Kendras and state agricultural universities. Farmers can request testing through the local agriculture office or block-level extension officer, or check the national Soil Health portal at soilhealth.dac.gov.in for state-specific procedures. Cards are typically reissued every 2–3 years with updated fertiliser and micronutrient recommendations.
Which crops are covered under PMFBY?
Pradhan Mantri Fasal Bima Yojana covers notified food crops (cereals, millets and pulses), oilseeds and annual commercial or horticultural crops as notified by each state government for each Kharif and Rabi season. The exact list of notified crops, indemnity levels and insurance units is published by the State Level Coordination Committee on Crop Insurance and is available on the PMFBY portal.
How can I check my PM-KISAN payment status?
Farmers can check instalment status on the official PM-KISAN portal (pmkisan.gov.in) under the "Farmers Corner → Beneficiary Status" section, using their Aadhaar number, bank account number or registered mobile number. The portal also exposes "Know Your Status" and grievance-redressal options for cases where a payment is delayed or rejected.
What is Rashtriya Krishi Vikas Yojana (RKVY) and what changed in October 2024?
RKVY is an umbrella centrally-sponsored scheme launched in 2007–08 to incentivise states to plan and implement State and District Agriculture Plans across crop production, horticulture, animal husbandry, fisheries and agri-entrepreneurship. It became a Centrally Sponsored Scheme in 2014–15 and was rebranded RKVY-RAFTAAR (Remunerative Approaches for Agriculture and Allied Sector Rejuvenation) in 2017–18. On 1 October 2024 the Union Cabinet restructured the DA&FW portfolio into two umbrella schemes: Pradhan Mantri Rashtriya Krishi Vikas Yojana (PM-RKVY) — consolidating RKVY, Soil Health Mission, Rainfed Area Development, Per Drop More Crop, Sub-Mission on Agroforestry, PKVY and Crop Residue Management — and Krishonnati Yojana — consolidating the National Food Security Mission, NMEO-Oilseeds, NMEO-OP, the Sub-Mission on Seeds and Planting Material, the Integrated Scheme on Agricultural Mechanization and the Sub-Mission on Agricultural Extension. Cost-share is the standard CSS pattern (60:40 general states, 90:10 NE/Himalayan, 100% UTs without legislature). RKVY also funds the Agripreneur Programme with idea-stage grants of up to ₹5 lakh and seed-stage grants of up to ₹25 lakh per startup through R-ABIs.
What is NMEO-Oilseeds and how is it different from NMEO-OP?
The National Mission on Edible Oils — Oilseeds (NMEO-Oilseeds) is a centrally-sponsored scheme of the Department of Agriculture & Farmers Welfare approved by the Union Cabinet on 3 October 2024 with a total outlay of ₹10,103 crore for the seven-year period 2024–25 to 2030–31. It targets raising domestic oilseed production from about 39 million tonnes (2022–23) to 69.7 million tonnes by 2030–31, focused on rapeseed-mustard, groundnut, soybean, sunflower and sesame as primary crops and cottonseed, rice bran and tree-borne oilseeds (TBOs) as secondary sources. The delivery unit is the Value Chain Cluster (VCC): about 600 such clusters across 347 identified districts covering roughly 10 lakh hectares of oilseed area per year, anchored by FPOs, state seed corporations, co-operatives or DA&FW-empanelled value-chain partners. The seed backbone is a hub-and-spoke network of 65 new Seed Hubs and 50 new Seed Storage Facilities with traceability on the SATHI (Seed Authentication, Traceability and Holistic Inventory) portal. NMEO-Oil Palm (NMEO-OP) is the parallel oil-palm-only mission announced in August 2021 with a ₹11,040 crore outlay, focused on identified zones in the North-East and the Andaman & Nicobar Islands. From 1 October 2024 both NMEO-Oilseeds and NMEO-OP sit under the Krishonnati Yojana umbrella alongside NFSM, ISAM and the Sub-Mission on Seeds and Planting Material.
What is PM-KUSUM and what are its three components?
PM-KUSUM (Pradhan Mantri Kisan Urja Suraksha evam Utthaan Mahabhiyan) is the MNRE scheme launched in February 2019 to solarise Indian agriculture, with the aggregate capacity target expanded by the Union Cabinet to about 30,800 MW in November 2020. Component A targets 10,000 MW of decentralised 500 kW–2 MW grid-connected solar plants on farmer or panchayat land within 5 km of a sub-station, selling power to the DISCOM under a 25-year PPA. Component B targets 17.5 lakh standalone solar agriculture pumps of up to 7.5 HP for off-grid or poor-supply areas. Component C targets solarisation of 10 lakh grid-connected pumps, either as Individual Pump Solarisation with net-metering or as Feeder Level Solarisation (added in 2022) that solarises an entire 11 kV agriculture feeder. The standard subsidy split is 30% central + 30% state + 40% farmer (50% + 30% + 20% for NE / hilly states), with the farmer share financeable through a Kisan Credit Card investment loan. State Nodal Agencies (MEDA, GEDA, REIL, TEDA, NREDCAP and equivalents) implement the scheme.
What is the National Mission on Natural Farming (NMNF) and how is it different from PKVY?
NMNF is a standalone centrally-sponsored scheme approved by the Union Cabinet on 25 November 2024 with a ₹2,481 crore outlay (₹1,584 crore central + ₹897 crore state share). It succeeds the Bharatiya Prakritik Krishi Paddhati (BPKP) sub-component of PKVY and aims to reach ~1 crore farmers across ~7.5 lakh hectares through ~15,000 Gram Panchayat-level clusters, backed by 10,000 Bio-Input Resource Centres and a Krishi Sakhi extension cadre. NMNF promotes strictly cattle-based, chemical-free natural farming using Beejamrit, Jeevamrit, Whapasa and mulching, while PKVY promotes broader organic farming with PGS-India certification. A given hectare is enrolled under either NMNF or PKVY — not both — so state plans map non-overlapping clusters. Every NMNF hectare also counts toward state-level chemical-fertilizer reduction under PM-PRANAM (see our PM-PRANAM guide at /pm-pranam), which returns 50% of the resulting urea + NBS subsidy saving to the state as a grant.

Scheme details summarised from publicly available guidelines on agriwelfare.gov.in, pmkisan.gov.in, pmfby.gov.in, soilhealth.dac.gov.in, enam.gov.in and PIB releases. Rates, ceilings and eligibility are subject to revision; farmers should verify current terms on the official portal before applying.