Top 10 Government Schemes for Farmers in India 2026

1. PM-KISAN — ₹6,000 Per Year Direct Income Support

PM Kisan Samman Nidhi provides ₹6,000 per year to small and marginal farmer families in three equal instalments of ₹2,000 each, transferred directly to their Aadhaar-linked bank account. As of 2026, over 11 crore farmers are enrolled. To check your status or register, visit pmkisan.gov.in or your nearest CSC. The most common reason for non-receipt is Aadhaar not being seeded to your bank account — get this done at your bank branch.

2. PMFBY — Free Crop Insurance Against Natural Calamities

Pradhan Mantri Fasal Bima Yojana (PMFBY) provides insurance coverage for crop loss due to natural calamities, pests, and diseases. The premium for farmers is very low — just 2% for Kharif crops, 1.5% for Rabi, and 5% for commercial/horticultural crops. The rest is paid by the government. You must enrol through your bank before the deadline for each season. Loanee farmers are enrolled automatically by banks.

3. Kisan Credit Card — Easy Credit for Farm Inputs

The Kisan Credit Card (KCC) scheme provides short-term credit for purchasing seeds, fertilisers, pesticides, and meeting other farming expenses at a subsidised interest rate of 4% per annum (after government interest subvention). The credit limit is based on land holding and crop pattern. Apply at any cooperative bank, regional rural bank, or commercial bank. You can also apply online through PM-KISAN portal if you already receive PM-KISAN benefits.

4. eNAM — Sell Your Produce at the Best Price

The National Agriculture Market (eNAM) is an online trading platform for agricultural commodities that connects farmers directly with buyers across India, eliminating middlemen. Farmers can list their produce on the eNAM portal, get bids from traders in multiple markets, and choose the best price. Over 1,000 mandis across 22 states are connected to eNAM. Register through your local APMC mandi or at enam.gov.in.

5. PMKSY — Har Khet Ko Pani, More Crop Per Drop

PM Krishi Sinchai Yojana (PMKSY) aims to expand irrigated area and improve water use efficiency. The scheme funds micro-irrigation (drip and sprinkler systems) under the Per Drop More Crop component, with up to 55% subsidy for small and marginal farmers and 45% for others. This is one of the most financially significant subsidies available — a drip irrigation system that costs ₹1 lakh may cost you only ₹45,000 after the subsidy. Apply through your state's horticulture or agriculture department.

6. Soil Health Card Scheme — Know Your Soil

The Soil Health Card scheme provides every farmer with a card that shows the nutrient status of their soil and recommendations on fertiliser dosage. Using soil health recommendations, farmers can reduce fertiliser costs by 8–10% and improve yields by 5–6%. Soil testing is done free of charge by government labs. Apply at your Krishi Vigyan Kendra (KVK) or local agriculture department office.

7. PKVY — Get Paid Extra for Organic Farming

Paramparagat Krishi Vikas Yojana (PKVY) promotes cluster-based organic farming and provides financial support of ₹50,000 per hectare over 3 years. This covers the cost of organic inputs, certification, and value addition. Organic certified produce fetches 20–30% premium over conventional produce in the market. The scheme operates through farmer groups of at least 20 farmers covering 50 acres. Contact your Krishi Vigyan Kendra for how to form a group.

8. PM Matsya Sampada Yojana — For Fishermen

PM Matsya Sampada Yojana (PMMSY) is a ₹20,050 crore scheme to develop the fisheries sector. It provides financial assistance for fish farming infrastructure, boats, nets, cold storage, and fish feed. Subsidies range from 40% to 60% depending on category (SC/ST/women get higher subsidy). Both inland and marine fishermen are covered. Apply through the state fisheries department.

9. RKVY — Infrastructure Funding for Farmer Groups

Rashtriya Krishi Vikas Yojana (RKVY) is a central scheme that funds agricultural infrastructure and technology projects proposed by state governments. Through RKVY-RAFTAAR, individual entrepreneurs and farmer producer organisations (FPOs) can apply for funding to set up agri-business projects. Grants of up to ₹25 lakh are available for eligible projects. Apply through your state agriculture department.

10. PM-AASHA — Minimum Support Price Guarantee

PM Annadata Aay Sanrakshan Abhiyan (PM-AASHA) ensures farmers receive at least the Minimum Support Price (MSP) for their produce. It includes a Price Support Scheme (PSS) for direct procurement by government agencies and a Price Deficiency Payment Scheme (PDPS) where the government pays the difference if market price falls below MSP. Registration is done through state agencies like NAFED during the procurement season.

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