Which government scheme is for you?

Pradhan Mantri Kisan Samman Nidhi

Income support paid straight into the bank account of every land-holding farmer family, subject to exclusions.

Apply: No closing date — the guidelines pay by four-month period: April–July, August–November, December–March.

Source: PM-KISAN Operational Guidelines (revised 29.03.2020) · 29 March 2020

Pradhan Mantri Fasal Bima Yojana

Crop insurance where the farmer pays a small, capped premium and the government pays the rest.

Apply: Each season has a cut-off date set district by district — normally not later than 15 July for kharif and 15 December for rabi (cl. 16.2).

Source: PMFBY Revamped Operational Guidelines (Kharif 2020) · 2020

Kisan Credit Card — Modified Interest Subvention Scheme

Short-term crop and allied loans on a Kisan Credit Card at 7% interest, falling to 4% if you repay on time.

Source: Union Expenditure Budget 2026-27 · February 2026

Per Drop More Crop (Micro Irrigation) — PMKSY

A subsidy on drip and sprinkler irrigation systems, paid by direct benefit transfer.

Source: Output Outcome Monitoring Framework 2026-27 (Union Budget)

Sub-Mission on Agricultural Mechanization (SMAM)

Subsidy on tractors, power tillers and other farm machines bought by farmers, and on custom hiring centres, run by state agriculture departments.

Source: SMAM Operational Guidelines 2026 (revised August 2026) · 2026

Mission for Integrated Development of Horticulture (MIDH)

Central horticulture mission run by state horticulture departments: help for new orchards, polyhouses and shade nets, pack houses and cold storage.

Source: Output Outcome Monitoring Framework 2026-27 (Union Budget)

National Horticulture Board — commercial horticulture and cold storage subsidy

A bank-loan-linked subsidy for larger horticulture projects: commercial orchards and plantations, polyhouses and shade nets, and cold storage.

Source: NHB Operational Guidelines, January 2025 · 1 January 2025

Agriculture Infrastructure Fund

Bank loans for post-harvest and farm infrastructure — warehouses, cold stores, processing, solar pumps and more — with 3% interest relief and a government-paid credit guarantee.

Source: Agriculture Infrastructure Fund — Revised Scheme Guidelines (Sept 2024) · September 2024

National Livestock Mission — Entrepreneurship Development

A one-time 50% capital subsidy for poultry, sheep & goat, piggery and fodder units set up by individuals, SHGs, FPOs, cooperatives and Section 8 companies.

Source: Union Expenditure Budget 2026-27 · February 2026

Animal Husbandry Infrastructure Development Fund

Bank loans of up to 90% of project cost for dairy and meat processing, animal feed, breeding farms, waste-to-wealth and veterinary vaccine units, with 3% interest subvention and a credit guarantee for MSMEs and dairy cooperatives. In the 2026-27 budget it runs as the Infrastructure Development Fund, merged with the Dairy Processing & Infrastructure Development Fund (DIDF).

Apply: Guidelines 3.0 let lenders sanction loans up to 31.03.2026 and disburse them up to 31.03.2027 (cl. 12.1). The 2026-27 budget funds the merged Infrastructure Development Fund, but we have not seen a new sanction deadline — ask the lender or the portal before you apply.

Source: Union Expenditure Budget 2026-27 · February 2026

Pradhan Mantri Matsya Sampada Yojana

Government assistance of 40% of the unit cost (60% for SC, ST and women) for fish ponds, inputs, biofloc, hatcheries and other fish-farming units.

Source: Union Expenditure Budget 2026-27 · February 2026

National Beekeeping & Honey Mission

Assistance of 50% for individual beekeepers and firms, and 75% for SHGs, cooperatives and FPOs, for scientific beekeeping and honey-processing infrastructure.

Source: Union Expenditure Budget 2026-27 · February 2026

Paramparagat Krishi Vikas Yojana (organic farming clusters)

Support for farmers who take up organic farming together in a PKVY cluster, with PGS-India certification. Part of the money is paid to the farmer by DBT.

Source: Output Outcome Monitoring Framework 2026-27 (Union Budget)

Soil Health Card (Soil Health & Fertility)

Your field’s soil is sampled and tested, and you get a Soil Health Card with fertiliser advice. Rural youth and groups can also get help to set up a village soil testing lab.

Source: Output Outcome Monitoring Framework 2026-27 (Union Budget)

National Food Security & Nutrition Mission (formerly NFSM)

Help for rice, wheat, pulses, maize, barley and millet farmers: subsidised certified seed, free seed minikits and crop demonstrations on farmers’ fields.

Source: Output Outcome Monitoring Framework 2026-27 (Union Budget)

Seeds & Planting Material — NFSNM Seed Components (formerly SMSP)

Help to make good seed of new varieties reach farmers: half the cost of certified seed, and grants for village seed processing and storage units run by FPOs.

Source: Output Outcome Monitoring Framework 2026-27 (Union Budget)

Pradhan Mantri Rashtriya Krishi Vikas Yojana

An umbrella scheme: each state chooses its own farm projects and runs drip irrigation, machinery, soil health, organic farming, rainfed farming and other components from it.

Source: Union Expenditure Budget 2026-27 · February 2026

Agri-Clinics and Agri-Business Centres

Free training for agriculture graduates and diploma holders to start a farm-service business, then a back-ended subsidy on the bank loan for it.

Source: AC&ABC Compendium of Instructions 2025 · 2025