Indian farmers in 2026 have access to over 500 central and state government schemes — from income support to subsidised loans and insurance. The hard part isn't the schemes. It's finding the one that actually fits your situation and applying before the deadline.
Here are the ten schemes every farmer should know this year.
1. PM-KISAN
PM-KISAN gives ₹6,000 per year as direct income support to all landholding farmer families. The money is paid in three equal instalments of ₹2,000 each, directly into your Aadhaar-linked bank account.
Eligibility: All landholding farmer families. How to apply: Visit pmkisan.gov.in or ask KisanMitra for help.
2. Kisan Credit Card (KCC)
The KCC gives farmers access to short-term credit at a subsidised interest rate of 4% per year (after interest subvention). Limits are calculated based on cropping pattern and land holding.
Who benefits: Farmers with operational land holdings, share-croppers and oral lessees.
3. PMFME — Pradhan Mantri Formalisation of Micro Food Processing Enterprises
PMFME gives a 35% capital subsidy up to ₹10 lakh for setting up food processing micro-enterprises. This is one of the most underused yet impactful schemes.
4. NABARD DEDS — Dairy Entrepreneurship Development Scheme
Up to 33.33% back-ended capital subsidy on projects up to ₹10 lakh (₹20 lakh for group projects). Ideal for setting up a small dairy of 2-10 cows.
5. PMFBY — Pradhan Mantri Fasal Bima Yojana
Crop insurance at nominal premium: 2% for kharif, 1.5% for rabi, 5% for commercial/horticultural crops. The rest is paid by the government.
6. PKVY — Paramparagat Krishi Vikas Yojana
Financial assistance of ₹50,000 per hectare over 3 years for going organic, plus certification support.
7. Sub-Mission on Agricultural Mechanization (SMAM)
Up to 50% subsidy on tractors and farm machinery for small and marginal farmers.
8. PM-KUSUM
Solar pump subsidies of up to 60% for standalone solar pumps up to 7.5 HP capacity.
9. Agri-Infrastructure Fund (AIF)
A ₹1 lakh crore fund offering collateral-free loans up to ₹2 crore at 3% interest subvention for post-harvest infrastructure.
10. Soil Health Card Scheme
Free soil testing and crop-specific nutrient recommendations for every farmer every two years.
How to apply in five minutes
Save KisanMitra's WhatsApp number, send "scheme finder" and tell us your crop, land size and state. We'll show you every scheme you qualify for, the documents you need and a step-by-step application plan — in Hindi or your regional language.
Don't leave money on the table. The subsidies are waiting.