Farmer Schemes in India

Government support programs helping Indian farmers grow stronger

India’s agriculture sector has always played a vital role in the country’s economy. To improve the income, welfare, and productivity of farmers, the Government of India has launched several farmer-oriented schemes. These initiatives aim to provide financial support, modern tools, insurance, and better access to resources for those who work tirelessly to feed the nation.

PM-KISAN (Pradhan Mantri Kisan Samman Nidhi)

The PM-KISAN scheme provides direct income support to small and marginal farmers. Under this program, eligible farmers receive ₹6,000 every year in three equal installments. The amount is directly transferred to their bank accounts, ensuring transparency and timely help.

This scheme helps farmers meet their day-to-day expenses for seeds, fertilizers, and other farming needs.

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Introduced in 2016, PMFBY offers crop insurance to protect farmers from financial losses due to natural calamities such as floods, droughts, or pests. The premium rates are kept low — 2% for Kharif crops, 1.5% for Rabi crops, and 5% for commercial or horticultural crops.

The government and insurance companies share the remaining cost, making the scheme affordable and beneficial for farmers across the country.

Kisan Credit Card (KCC) Scheme

The Kisan Credit Card (KCC) scheme helps farmers get easy access to credit for their agricultural needs. It provides short-term loans at low interest rates, allowing farmers to buy seeds, fertilizers, and other farming equipment without financial stress.

In recent years, the scheme has been expanded to include dairy and fisheries farmers as well.

Pradhan Mantri Krishi Sinchayee Yojana (PMKSY)

Water is essential for agriculture, and PMKSY focuses on improving irrigation facilities across India. The goal is “Har Khet Ko Pani” — ensuring water reaches every farm.

The scheme promotes efficient water use through drip and sprinkler irrigation systems, helping farmers save water and improve crop yield.

Soil Health Card Scheme

Launched in 2015, the Soil Health Card Scheme helps farmers understand the quality and nutrient content of their soil. Farmers receive a detailed soil report, which guides them on the type and amount of fertilizers needed for better crop production.

This program promotes scientific farming and reduces unnecessary use of chemicals.

e-NAM (National Agriculture Market)

The e-NAM platform connects farmers, traders, and buyers across India through an online marketplace. It helps farmers get fair prices for their produce by improving transparency and reducing the role of middlemen.

Farmers can now sell their crops in any part of the country, leading to better profits and market reach.

Pradhan Mantri Kisan Maan-Dhan Yojana (PM-KMY)

This pension scheme ensures social security for small and marginal farmers. Under PM-KMY, farmers between the ages of 18 and 40 can contribute a small monthly amount, and after turning 60, they receive a monthly pension of ₹3,000.

It supports farmers in their old age when they may no longer be able to work actively in the fields.

Conclusion

Government schemes for farmers in India aim to build a strong, self-reliant, and prosperous rural economy. From income support and insurance to irrigation and digital markets, these initiatives cover every aspect of agriculture.

As India continues to modernize its farming practices, such schemes play a key role in improving the lives of millions of farmers and ensuring food security for the nation.