India has an agriculture-based economy, and farming is an important aspect of its development. The county has more than 180 million hectares of agricultural land, which is roughly 55% of the total geographical area. No wonder the agriculture sector contributes significantly to the GDP of the nation. But there are also farmers in the country who struggle to make money and who do not have access to basic amenities. To help them, the Government of India introduced the Pradhan Mantri Kisan Samman Nidhi (PM-Kisan) scheme in February 2019.
Under this scheme, the government gives ₹6,000 per year to farmers in three installments of ₹2,000 each in every four months. This money is sent directly to their bank accounts so they can use it for seeds, fertilisers or any other farming requirements. It is direct financial help from the government to strengthen the economy of farmers in the country.
With this brief guide, let’s learn in detail what the PM-Kisan Samman Nidhi is, including its objectives, eligibility criteria, recent developments and more.
Scheme Overview: Objectives and Key Features
The main objective of this PM-Kisan scheme is to help small and marginal farmers who do not have big earnings and can barely make ends meet. The money is given under this scheme so that farmers do not have to take loans for their small expenses, whether it is related to farming or their daily essentials.
Here are the significant features of PM-Kisan Samman Nidhi:
- Farmers get ₹6,000 every year in three equal parts of ₹2,000.
- There are no middlemen and no extra charges and the money goes straight into farmers’ bank accounts.
- The scheme covers all farmers across India.
- As this is not a loan, the farmers do not have to return the money.
- The registration process is easy and farmers can apply online or visit a Common Service Center (CSC) to enrol in the scheme.
Who Qualifies for PM-Kisan Benefits?
Though the scheme covers all kinds of farmers in the country, there are certain conditions farmers need to fulfil to avail the benefits of the PM-Kisan Samman Nidhi. So, here’s the simple PM-Kisan Samman Nidhi eligibility criteria:
- Farmers enrolling in the scheme should have their own farmland and must be engaged in agriculture.
- The farmer must be an Indian citizen.
- The land must be registered in the farmer’s name.
Exclusion Categories: Understanding Who is Not Covered
Here are the categories where farmers are not eligible to apply for the scheme benefits:
- Farmers who do not own land.
- Farmers are not eligible if they or their family members pay income tax.
- Government employees and pensioners with more than ₹10,000 pension cannot apply.
- Doctors, engineers, lawyers and business owners are also not eligible for the scheme.
How to Register for PM-Kisan
The application process for the PM-Kisan Samman Nidhi is quite simple. There are two ways to enrol in the scheme: online and offline.
-
Online Registration (PM-Kisan Samman Nidhi Check & Apply)
Step 1: Visit the Official Website https://pmkisan.gov.in
Step 2: Click on “New Farmer Registration” and enter your Aadhaar number.
Step 3: Fill in the details like name, bank account and land details.
Step 4: Submit the application form.
Step 5: Post approval, get the money directly into your bank account.
-
Offline Registration
If you are unable to do it online due to the unavailability of the internet, you need to visit any of the following: - Nearest CSC (Common Service Center)
- Tehsil office or Agriculture Department
- Bank branch that handles PM-Kisan registrations
Disbursement of Funds to Beneficiaries under Pradhan Mantri Kisan Samman Nidhi
Now, let’s talk about how farmers get the money under the PM-Kisan scheme.
The government follows a Direct Benefit Transfer (DBT) system and with this, the money is sent straight to the farmer’s bank account. Hence, there are no middlemen or extra charges in the process.
As per the PM-Kisan Payment Schedule, the farmers get ₹6,000 per year in three equal installments of ₹2,000 each.
- First Instalment: ₹2,000 (April – July)
- Second Instalment: ₹2,000 (August – November)
- Third Instalment: ₹2,000 (December – March)
Recent Developments: Updates and Enhancements in the Scheme
Every scheme needs improvements over time for future benefits and efficiency. Hence, the government keeps improving the PM-Kisan Samman Nidhi scheme to help more farmers. Here are some latest updates and enhancements in the scheme:
- Earlier, only small farmers could apply. But now, all farmers are eligible under the scheme.
- The government has made Aadhaar card linking mandatory to stop fraud.
- The PM-Kisan Mobile App has been introduced to help farmers check their status easily.
- Farmers must now complete e-KYC verification to continue receiving payments.
Conclusion
The PM-Kisan Samman Nidhi is a great relief to farmers as it gives them ₹6,000 every year to support their farming needs. But if you are in need of extra money for your emergencies, download the CASHe app.
CASHe offers instant personal loans up to ₹3 lakh without any hassle. Just download the app, upload your documents and get the loan approved within minutes.
CASHe is your quick and easy way to get instant funds.
