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Agri Finance & Government Schemes for Farmers

Crop insurance, low-interest loans, and income support programs for Indian farmers - eligibility, premium rates, and how to apply.

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Financial Schemes for Farmers

Subsidies, crop insurance, loans and input support — check eligibility and apply online.

District-level agromet advisories combining IMD 5-day weather forecasts with crop-specific pest, disease and irrigation recommendations.

Daily updates on mandi price movements, scheme announcements, weather advisories and crop-wise reports from state agriculture departments.

Find licensed seed, fertilizer and pesticide dealers near you.

Frequently Asked Questions

What agricultural finance schemes are available for Indian farmers?

Key schemes include PMFBY (crop insurance), Kisan Credit Card (short-term loans at 4% interest), PM-Kisan (₹6,000/year income support), NABARD refinance, and state-specific subsidy programs. Most are available through any nationalised bank, cooperative bank, or Common Service Centre.

How do I know which government scheme I am eligible for?

Eligibility depends on your land holding, crop type, and state. PMFBY and KCC are available to all farmers including tenant farmers and sharecroppers. PM-Kisan requires land ownership records in state databases. Check each scheme's page on NaPanta for state-specific eligibility details.

Can a farmer avail both PMFBY and KCC at the same time?

Yes. PMFBY crop insurance and KCC are complementary. In fact, loanee farmers who take a KCC loan are automatically enrolled in PMFBY for the crop they declared - the premium is debited from the loan account. Non-loanee farmers can opt in voluntarily.

What documents are required to apply for agricultural loans?

Standard documents: Aadhaar card, land records (7/12, patta, khatauni), bank account details, crop details (type, area, season). For KCC: additionally a photograph and CIBIL check may apply. Tenant farmers need a landowner declaration or tenancy agreement.

What is the interest subvention scheme for crop loans?

The central government provides 2% interest subvention on crop loans up to ₹3 lakh. Farmers who repay on time get an additional 3% Prompt Repayment Incentive, reducing the effective interest rate to 4% per annum. This is automatically applied through the lending bank.