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Government schemes for farmers

Money support, insurance, loans and subsidies – explained simply, with the official link to apply.

Vayal will never ask for your OTP, password or bank PIN. Apply only on official government websites, banks or CSCs.

PM-KISAN

Central Govt

Income support
  • ₹6,000 a year for eligible landholding farmer families
  • Paid as 3 instalments of ₹2,000 directly to your Aadhaar-linked bank account
  • e-KYC is compulsory – complete it to avoid missing a payment
How to apply: Register or check 'Beneficiary Status' on the official portal, or at a Common Service Centre (CSC).
Official site: pmkisan.gov.in

Crop insurance – PMFBY

Central + State Govt

Insurance
  • You pay only 2% (Kharif), 1.5% (Rabi) or 5% (commercial / horticulture crops) of the sum insured
  • Government pays the rest of the premium
  • Covers crop loss from natural calamities, pests and diseases
  • Enrol before the last date for your district and crop – dates differ by state
How to apply: Apply on the PMFBY portal, at your bank branch, a Common Service Centre or the insurance company office.
Official site: pmfby.gov.in

Kisan Credit Card (KCC)

Banks + Central Govt

Low-interest loan
  • Short-term crop loans at 7% interest
  • Repay on time and the effective rate comes down to 4%
  • Loan limit under the interest subvention scheme raised to ₹5 lakh
  • Collateral-free up to ₹2 lakh
How to apply: Apply at your bank branch or cooperative society with land records and ID.

Soil Health Card

Central + State Govt

Free soil test
  • Free soil test for your field
  • Shows nutrients, pH and fertiliser advice for your crop
How to apply: Contact your nearest agriculture office or check the portal.
Official site: soilhealth.dac.gov.in

Farm machinery subsidy

Central + Tamil Nadu Govt

Subsidy
  • Subsidy to buy tractors, power tillers, transplanters, harvesters and more
  • Tamil Nadu: pre-register through the e-Vaadagai service in the Uzhavan app
How to apply: Central scheme details and applications on the agri-machinery DBT portal; TN farmers can also use the Uzhavan app.
Official site: agrimachinery.nic.in

Uzhavan app (Tamil Nadu)

Tamil Nadu Govt

Official app
  • Official TN Agriculture Department app
  • Scheme and subsidy details, crop insurance status, seed and fertiliser stock
  • Book farm machinery on rent (e-Vaadagai), market prices and weather
How to apply: Download 'Uzhavan' from the Google Play Store.

Last checked: November 2026. Amounts, rules and last dates can change – always confirm on the official website or at your agriculture office before applying.