How much does PM-KISAN pay?

PM-KISAN pays ₹6,000 per year — three installments of ₹2,000, paid April–July, August–November, and December–March, directly to your Aadhaar-linked bank account.

Who is eligible for PM-KISAN?

All landholding farmer families — husband, wife and minor children who together own cultivable land — are eligible. Income-tax payers, government employees, sitting/former MPs and MLAs, and pensioners drawing ₹10,000/month or more are excluded.

Does receiving state schemes like Rythu Bharosa or Rythu Bandhu affect my PM-KISAN payment?

No. PM-KISAN is a Central Sector Scheme funded 100% by the Government of India. State-funded income-support schemes such as Andhra Pradesh's NTR Rythu Bharosa or Telangana's Rythu Bandhu are independent — receiving them does not affect your PM-KISAN eligibility.

How do I apply for PM-KISAN?

Register at pmkisan.gov.in, or through your nearest Common Service Centre (CSC) or village-level agriculture extension officer. You will need your Aadhaar, bank account details, and proof of landholding.

Is PM-KISAN the same in every state?

Yes. PM-KISAN is implemented uniformly across all states and Union Territories — eligibility and application processes are the same everywhere. Some states run their own additional income-support schemes alongside PM-KISAN.

Government Schemes for Farmers

💰

PM Kisan Samman Nidhi (PM-KISAN)

Direct income support · Ministry of Agriculture & Farmers Welfare

Income Support Central Sector Scheme DBT · Direct to Bank

₹6,000

per year

Verified April 2026 · Source: pmkisan.gov.in & PIB Press Release · Next review: July 2026

₹6,000

per year, directly to your Aadhaar-linked bank account

₹2,000

Apr – Jul

₹2,000

Aug – Nov

₹2,000

Dec – Mar

10 Cr+

Beneficiaries

✅ Who Can Apply

✓
Landholding farmer family — husband, wife and minor children who own cultivable land
✓
Land must be used for agriculture (not non-farm purposes)
✓
Urban farmers with cultivable land are also eligible
✓
Aadhaar-linked bank account required for DBT transfer

❌ Who Cannot Apply

✗
Income tax filers (last assessment year)
✗
Pensioners receiving ₹10,000/month or more
✗
Government employees / retired officials (except Group D / MTS)
✗
MPs, MLAs, Ministers, constitutional post holders
✗
Professionals — doctors, engineers, lawyers, chartered accountants
✗
Institutional landholders

📄 Documents Required

1
Aadhaar card (mandatory for e-KYC)
2
Bank account passbook — must be Aadhaar-seeded
3
Land records — Pattadar passbook (AP/TG) or Khatauni number
4
Passport-size photograph
5
Mobile number linked to Aadhaar

📝 How to Apply

1

Visit pmkisan.gov.in

Go to "Farmers Corner" → "New Farmer Registration". Select Rural or Urban registration.
2

Enter Aadhaar & State

Enter your Aadhaar number, select your state, complete the captcha, and click Search to check if already registered.
3

Fill the Registration Form

Enter personal details, bank account number, IFSC code, and land holding information. Submit and save.
4

Complete e-KYC

e-KYC is mandatory. Do it online via OTP on pmkisan.gov.in, or visit your nearest CSC for biometric authentication.
5

State Verification

Your state government verifies land records. Once approved, installments begin from the next payment cycle.

🌐 Go to pmkisan.gov.in 🔍 Check Your Status

🗺️ How Your State Implements This

Andhra Pradesh

Central scheme implemented as-is. AP farmers apply directly at pmkisan.gov.in on the same terms as the rest of India.

💡 AP also runs NTR Rythu Bharosa — a separate state scheme. Receiving Rythu Bharosa does not affect your PM-KISAN eligibility. Both are independent of each other.

Telangana

Central scheme implemented as-is. Telangana farmers apply at pmkisan.gov.in on the same national terms.

💡 Telangana also runs Rythu Bandhu — a separate state scheme that provides ₹10,000/acre/year. Receiving Rythu Bandhu does not disqualify you from PM-KISAN.

Other States

PM-KISAN is a Central Sector Scheme — 100% funded by the Government of India and implemented uniformly across all states and Union Territories. Eligibility and application process are the same everywhere. Some states run their own additional income support schemes alongside PM-KISAN.

🔧 Payment Not Received? Common Reasons & Fixes

e-KYC not completed

e-KYC is now mandatory for every installment. Complete it at pmkisan.gov.in (OTP-based) or visit a nearby CSC for biometric authentication. Without e-KYC, no installment is transferred.
Aadhaar not linked to bank account

Visit your bank branch and request Aadhaar seeding. Bring your Aadhaar card and passbook. This is required for DBT to reach your account.
Land records mismatch

Your land records in the state system must match what you registered. Discrepancies in name spelling, survey number, or landholding size cause rejections. Contact your local patwari or revenue officer to update records.
Incorrect bank account details

If your account number or IFSC is wrong, update it at pmkisan.gov.in under "Updation of Self Registered Farmer" or visit your CSC. Then visit your bank to ensure DBT linkage is correct.
Name on beneficiary list — how to check

Go to pmkisan.gov.in → "Farmers Corner" → "Know Your Status". Enter Aadhaar number or registered mobile number. You can see installment history and current status.

📞 Helpline & Useful Links

🌐 Official Portal 🔍 Check Status 📬 Raise Grievance 📞 155261 Helpline

PM-KISAN also has an AI chatbot called Kisan e-Mitra available on the official portal in Telugu, Hindi, Kannada, Tamil, Marathi and 6 other languages — useful for quick queries about your registration status.

🛡️

PM Fasal Bima Yojana (PMFBY)

Crop insurance against natural calamities, pests & diseases · Ministry of Agriculture & Farmers Welfare

Crop Insurance Centrally Sponsored DBT · Direct to Bank

2%

max premium (Kharif)

Verified April 2026 · Source: pmfby.gov.in & PIB Press Release · AP Gazette G.O.Ms.No.80, Sep 2024 · Next review: Aug 2026

Full Sum Insured

paid to your bank account if crop fails — you pay only a small premium, government pays the rest

2%

Kharif crops
e.g. Paddy, Cotton

1.5%

Rabi crops
e.g. Wheat, Sunflower

5%

Horticulture &
Commercial crops

₹1.83L Cr

Claims paid
since 2016

How it works: Your sum insured is set by the state — typically ₹40,000–₹1,05,000/hectare depending on crop and district. If you grow 1 ha of Kharif paddy with sum insured ₹80,000, you pay just ₹1,600 premium. The government pays the remaining ~₹6,400. If your crop yield falls below the threshold for your area, the claim is transferred directly to your bank account.

🌾 What Is Covered

✓
Prevented sowing — unable to sow due to drought or adverse weather: up to 25% of sum insured
✓
Standing crop loss — drought, flood, cyclone, pests, disease, hailstorm, lightning, landslide: full proportional claim
✓
Post-harvest losses — crop damaged within 14 days of harvest by cyclone/unseasonal rain while drying in field: assessed at your plot
✓
Localised damage — hailstorm, inundation, landslide affecting your specific plot: individual farm assessment

✅ Who Can Apply

✓
Owner-cultivators, sharecroppers, and tenant farmers growing a notified crop in a notified area
✓
Must have insurable interest — land ownership record, tenancy agreement, or Crop Cultivator Rights Card (CCRC)
✓
Valid Aadhaar-linked bank account required for claim DBT
✓
Voluntary for all farmers since Kharif 2020 — including KCC/crop loanee holders; your bank cannot auto-deduct premium without your written consent
✗
Farmers in states that have opted out — check your state scheme instead
✗
Crops not on the state's notified list for your district and season — verify before paying premium

📄 Documents Required

1
Aadhaar card
2
Bank account passbook — must be Aadhaar-linked
3
Land ownership record (Pahani / Pattadar passbook / 7-12 extract) or tenancy agreement or CCRC (for tenant farmers)
4
Sowing certificate or declaration of sown crop and area
5
Mobile number linked to Aadhaar (for OTP-based updates)

📝 How to Apply

1

Check your crop & district notification

Before anything else — confirm your crop and village is in the state's seasonal notification. Not all crops in all districts are covered. Ask at your local Rythu Sahayata Kendra or agriculture office.
2

Apply at bank, CSC, or PACS

Visit your bank branch, Common Service Centre (CSC), or Primary Agricultural Credit Society before the seasonal cut-off — July 31 for Kharif, December 31 for Rabi. Carry all documents.
3

Fill enrollment form & pay premium

Fill in crop type, sown area, survey/Pahani number. Pay the farmer's share of premium (2% / 1.5% / 5% of sum insured). You can also apply online at pmfby.gov.in or via the Farmitra app.
4

Collect your policy receipt

Save the policy receipt with your policy/application number — you need this to track claim status. Keep a photo of it.
5

Report crop loss within 72 hours

If your crop is damaged, report immediately — within 72 hours — via the Farmitra app, pmfby.gov.in, helpline 14447, your bank, or the insurance company. Late reporting can disqualify your claim.

🌐 Go to pmfby.gov.in 🔍 Check Application Status

🗺️ How Your State Implements This

Andhra Pradesh

AP re-joined PMFBY from Kharif 2022. The AP Gazette (G.O.Ms.No.80, Sep 2024) notifies district-wise, crop-wise sum insured and premium rates for 2024-25 and 2025-26. For select crops (e.g. Paddy in West Godavari Kharif), the farmer's share can be as low as 0.50% — below the national cap. The state also runs Dr. YSR Vuchita Pantala Bima Padhakam (free crop insurance) for farmers enrolled via e-Crop with Aadhaar biometric authentication — no separate enrollment or premium required for that scheme.

💡 Important change from Kharif 2024-25: The new TDP government discontinued free crop insurance. Farmers must now pay their own PMFBY premiums using the Annadata Sukhibhava ₹20,000/year investment support. If you're enrolled in e-Crop, verify which scheme covers your specific crop and district at your local Rythu Sahayata Kendra — don't assume you are automatically covered.

Telangana

Telangana re-joined PMFBY from Kharif 2024 after opting out for several seasons. The current Congress-led government reactivated PMFBY for major crops in vulnerable districts. Telangana also runs Rythu Bharosa (₹12,000/acre/year cash support) and Rythu Bima (₹5 lakh life insurance via LIC) — both are separate schemes, not crop insurance.

💡 Important change from Kharif 2024-25: Telangana discontinued its old free crop insurance scheme. You must now actively enrol and pay your own PMFBY premiums. Enrollment deadlines: July 15 for WBCIS · July 31 for PMFBY general crops · August 15 for Paddy. Use your Rythu Bharosa cash support to fund the premium. Rythu Bima is life insurance — it does NOT replace crop insurance.

🔧 Claim Not Received? Common Reasons & Fixes

Crop or district not notified

PMFBY only covers notified crops in notified areas. If your crop or village is not in the state's seasonal gazette notification, you are not eligible. Check at your agriculture office or Rythu Sahayata Kendra before paying premium.
Enrolled after the cut-off date

The enrollment window closes July 31 (Kharif) and December 31 (Rabi). Applications submitted after this date are rejected. Plan ahead each season.
Crop loss not reported within 72 hours

For localised perils (hailstorm, inundation, landslide, post-harvest damage), you must report within 72 hours of the event. Report via Farmitra app, pmfby.gov.in, calling 14447, or informing your bank or agriculture department. Late reporting significantly weakens your claim.
Aadhaar not linked to bank account

Claim amount is sent via DBT to your Aadhaar-linked account. Visit your bank with your Aadhaar card to complete Aadhaar seeding if not already done.
Land records mismatch

If the Pahani number, survey number, or farmer name in the enrollment doesn't match state land records, the claim is rejected. Verify carefully at enrollment and contact your local revenue office to correct any mismatch.
State government premium delay (historic issue)

In past seasons, some states delayed releasing their 50% premium share to insurance companies, which blocked claim payouts. From Kharif 2025, states must deposit their share into an ESCROW account in advance — this reform should reduce such delays. From Kharif 2024, insurance companies face a 12% auto-penalty for late claim payments.

📞 Helpline & Useful Links

🌐 Official Portal 🔍 Check Status 📬 Raise Grievance 📞 14447 Helpline

Download the Farmitra app (formerly PMFBY app) to enrol, report crop losses, and track claim status directly from your phone. Available on Android and iOS. Also useful for receiving seasonal notifications about enrollment deadlines for your district.

🏦

Kisan Credit Card (KCC)

Short-term crop credit & allied activity loans at concessional interest · RBI / NABARD / Ministry of Agriculture

Credit Central Sector Scheme 4% Effective Interest

4%

eff. interest rate

Verified April 2026 · Source: fasalrin.gov.in & PIB Press Release · Budget 2025-26 limit enhanced to ₹5 lakh · Next review: Aug 2026

Up to ₹5 Lakh

revolving credit line — withdraw when you need, repay after harvest, reuse again

7%

base interest
govt subsidised

4%

if repaid on time
save 3% extra

₹2L

collateral-free
no guarantee needed

7.72 Cr

active KCC
as of Dec 2024

How it works: KCC is like a pre-approved overdraft at your bank. Once issued, you draw money as needed during the season — for seeds, fertilisers, labour, or even household needs. You repay after selling your harvest. Repay within one year and your interest drops to just 4% per year. The card is valid for 5 years with annual renewal. Budget 2025-26 raised the interest-subvention limit from ₹3 lakh to ₹5 lakh — confirm current sub-limits with your bank as RBI is issuing revised guidelines.

🌾 What You Can Use KCC For

✓
Seeds, fertilisers, pesticides and other crop inputs for the current season
✓
Post-harvest expenses — storage, transport, marketing, and produce sales
✓
Repairs and maintenance of farm equipment and assets
✓
Allied activities — dairy, animal husbandry, poultry, fisheries working capital (since 2019)
✓
Household consumption needs of the farmer family
✓
Post-harvest warehouse storage loans — up to 6 months against Negotiable Warehouse Receipts (NWRs) at concessional rate

✅ Who Can Apply

✓
Owner-cultivators, tenant farmers, sharecroppers and oral lessees growing crops
✓
Self-help group (SHG) or Joint Liability Group (JLG) members engaged in farming
✓
Dairy farmers, animal husbandry farmers, fish farmers — for working capital KCC
✓
Marginal farmers: simplified Flexi KCC with ₹10,000–₹50,000 limit, no land-value calculation needed
✗
Farmers with overdue/NPA loans at any bank — dues must be cleared first
✗
Loans above ₹5 lakh do not get MISS interest subvention — bank's normal rate applies above the limit

📄 Documents Required

1
Aadhaar card — mandatory for interest subvention (MISS) benefit
2
Passport-size photograph
3
Land ownership records — Pattadar passbook / Pahani (AP/TG) — or tenancy agreement / JLG declaration for tenant farmers
4
Bank account details at the applying bank
5
KCC application form (available free at all bank branches)
6
For dairy/fisheries KCC: livestock ownership certificate or fisheries registration document

📝 How to Apply

1

Choose your bank

Any commercial bank, Regional Rural Bank (AP: APGVB / APGB; Telangana: Telangana Grameena Bank), cooperative bank, or Small Finance Bank issues KCC. PACS-linked cooperative banks are often fastest for small farmers.
2

Apply before the season starts

Apply 4–6 weeks before Kharif sowing (April–May) or Rabi sowing (October–November) so the card is ready when you need it. Collect the KCC application form at the branch.
3

Submit form with documents

Submit the completed form with Aadhaar, land/tenancy records, and photograph. The bank calculates your credit limit using the District Level Technical Committee's Scale of Finance × your sown area.
4

Receive KCC and start using it

On approval you receive a KCC-linked debit/ATM card. Withdraw cash or use it at input dealer shops. Repay after harvest — ideally within one year to get the 4% effective rate.
5

Renew every year

Visit your bank branch each year before the season for annual renewal. Missing renewal lapses the account even within the 5-year card validity. The overall KCC limit is reviewed and can increase each year.

🌐 Kisan Rin Portal 📋 NABARD KCC Guidelines

🗺️ How Your State Implements This

Andhra Pradesh

KCC is available through all commercial banks, two Regional Rural Banks (Andhra Pradesh Grameena Vikas Bank and Andhra Pragathi Grameena Bank), and the cooperative bank network (APCOB / PACS). Credit limits per crop per acre are set each year by the District Level Technical Committee (DLTC) in each AP district — ask your bank or Rythu Sahayata Kendra for the latest Scale of Finance for your crop and district. AP's Annadata Sukhibhava (₹20,000/acre/year investment support) is separate from KCC — you can receive both.

💡 AP farmers can get KCC from cooperative banks (PACS) even without a Pattadar passbook — a tenant declaration or JLG membership is often accepted. KCC is NOT automatically linked to PMFBY crop insurance; your bank cannot deduct PMFBY premiums from your KCC without your written consent since Kharif 2020. Check your KCC account statement for any unauthorised deductions.

Telangana

KCC is available through all commercial banks, Telangana Grameena Bank (RRB), and cooperative banks (TSCAB / PACS network). Scale of Finance is set by the DLTC in each Telangana district. The state's Rythu Bharosa (₹12,000/acre/year) and Rythu Bima (LIC life cover) are entirely separate from KCC — you can hold all three. The Telangana SLBC monitors district-wise KCC saturation targets quarterly.

💡 Telangana dairy and fish farmers: KCC now covers animal husbandry and fisheries since 2019 — fish pond owners and dairy farmers with 2+ milch animals should specifically ask for an AH/Fisheries KCC sub-limit at Telangana Grameena Bank or cooperative banks. Many Telangana farmers also do not know their KCC includes a ₹50,000 Personal Accident Insurance (PAIS) — check with your issuing bank for claim process details.

🔧 KCC Rejected or Not Working? Common Reasons & Fixes

Overdue loan at another bank blocking application

Banks check CIBIL / credit bureau records. Any overdue crop loan at any bank — including old cooperative society dues — will result in rejection. Clear dues first, get a No Dues Certificate, then apply. Approach your Lead District Manager (LDM) if you believe the record is incorrect.
KCC limit too low for actual input costs

The credit limit is based on the District Level Technical Committee's Scale of Finance — which may be outdated. Ask your bank to apply the latest DLTC Scale of Finance for your crop and district. If still insufficient, ask for a term loan component alongside the KCC for investment needs like drip irrigation or equipment.
KCC account lapsed — can't withdraw

KCC requires annual renewal even within the 5-year validity. If you missed renewal, visit your bank branch immediately with your latest land records and request renewal. A lapsed account does not mean you need to reapply from scratch — ask the bank to reactivate with annual review.
Interest subvention (4% rate) not applied to account

Aadhaar must be seeded with your bank account. Also, your bank must submit your loan data to the Kisan Rin Portal (fasalrin.gov.in) for MISS claim settlement. If you repaid on time but are being charged more than 4%, show your repayment record and ask the bank to verify MISS claim submission on KRP. Escalate to the bank's grievance officer if unresolved.
Tenant farmer — bank refusing to issue KCC without land records

RBI guidelines allow KCC issuance to tenant farmers via Joint Liability Groups (JLGs) or with alternative proof. Approach your nearest PACS or cooperative bank rather than a nationalised bank — they are generally more flexible. You can also form a JLG with 4–10 tenant farmers and apply collectively; this reduces the documentation barrier significantly.

📞 Helpline & Useful Links

🌐 Kisan Rin Portal 📋 NABARD Guidelines 📄 RBI Master Circular 📞 NABARD Helpline

KCC applications can also be submitted online through your bank's internet banking portal (e.g., SBI's YONO, Bank of Baroda's bob World). The Kisan Rin Portal (fasalrin.gov.in) — launched September 2023 — lets farmers and banks track interest subvention claim status digitally. As of December 2024, ₹1.08 lakh crore in MISS claims have been processed through KRP for 5.9 crore farmers. Contact your bank's Lead District Manager (LDM) or nearest NABARD district office for escalations.

💧

PM Krishi Sinchayee Yojana (PMKSY)

Drip & sprinkler irrigation subsidies · "Har Khet Ko Pani, More Crop Per Drop" · Multi-Ministry

Irrigation Micro-Irrigation Centrally Sponsored

55%

subsidy (small farmers)

Verified April 2026 · Source: pmksy.gov.in, pdmc.da.gov.in & PIB · Extended through 2025-26 · Next review: Apr 2027

~55% Subsidy

on drip or sprinkler irrigation system cost — you pay only ~45%, government pays the rest

55%

Small & marginal
farmers (up to 2 ha)

45%

Other farmers
larger holdings

96.83L

Hectares covered
2015–Aug 2025

₹93,068 Cr

Total outlay
2022–2026

How it works: You register for a drip or sprinkler system through your state agriculture department. An empanelled company installs the system on your farm. You pay only your share (45–55%) — the subsidy goes directly to your bank account via DBT after inspection, or is deducted upfront by the company. Note: The micro-irrigation (drip/sprinkler) subsidy has been under RKVY-PDMC since 2022-23, not the PMKSY portal directly — your state Agriculture Department is the right channel.

🌊 What PMKSY Covers

✓
Drip irrigation systems — water delivered drop by drop to plant roots, saving 40–50% water vs flood irrigation
✓
Sprinkler irrigation — overhead spray system suitable for field crops, vegetables, and groundnut
✓
Rain gun systems — for sugarcane, plantation crops, and large fields
✓
Completion of stalled major/medium irrigation projects (AIBP) — expands canal irrigation reach
✓
Repair and renovation of traditional water bodies, minor irrigation tanks (HKKP component)
✓
Watershed development — farm ponds, check dams, soil conservation in rainfed areas (WDC component)

✅ Who Can Apply

✓
All farmers — owner-cultivators, tenant farmers, sharecroppers — can apply for the drip/sprinkler subsidy
✓
SC/ST farmers and women farmers get priority in beneficiary selection and may receive higher state top-up subsidy
✓
FPOs and cooperatives are also eligible for group applications
✗
Systems purchased from non-empanelled suppliers are not eligible — always verify the company is on the state's current approved list
✗
Same land parcel that already received subsidy in a recent season may not be eligible again — check with your Agriculture Department

📄 Documents Required

1
Aadhaar card — mandatory for DBT subsidy transfer
2
Land ownership records — Pahani / Pattadar passbook (AP/TG) or tenancy agreement
3
Bank account passbook — must be Aadhaar-linked
4
Passport-size photograph
5
Quotation from an empanelled micro-irrigation supplier for your chosen system
6
Caste certificate (for SC/ST priority category)

📝 How to Apply

1

Apply early — targets fill up fast

Each district gets an annual hectare target. Apply in April–May (before Kharif) or October (before Rabi) at your RBK / Rythu Sahayata Kendra (AP) or Agriculture Extension Officer / Horticulture Department office (TG). Late applications are waitlisted to the next year.
2

Register at Mee-Seva / RBK (AP) or state portal (TG)

Registration is free — do not pay any agent. Carry Aadhaar, Pahani/Pattadar passbook, and bank passbook. In AP, biometric authentication is done at the Mee-Seva Kendra or RBK.
3

Choose an empanelled MI company

You are free to select any company from the state's current empanelled list (AP companies include Jain, Netafim, Finolex, Signet, Nimbus and others). The company will survey your farm and provide a detailed layout and quotation.
4

Pay only your share — not the full cost

After sanctioned approval, pay only 45% (other farmers) or 45% (small/marginal) of the government unit cost to the company. Do not pay the subsidy portion — the company recovers it from the government directly.
5

Inspection & subsidy credit

After installation, an Agriculture/Horticulture Department officer inspects the system and takes a geo-tagged photograph. Subsidy is then credited to your Aadhaar-linked bank account via DBT. Do not dismantle or move the system before inspection.

🌐 PMKSY Portal 💧 PDMC Micro-Irrigation Portal

🗺️ How Your State Implements This

Andhra Pradesh

AP implements micro-irrigation through its own dedicated AP Micro Irrigation Project (APMIP), running since 2003 — one of the oldest and largest MI programmes in India. APMIP covers horticulture, agriculture (sugarcane, pulses, oil palm), and sericulture crops through drip, sprinkler, mini-sprinkler, micro-sprinkler, and rain gun systems. AP also accessed ₹616.14 crore from the Micro Irrigation Fund (NABARD) covering 1.021 lakh ha of additional area beyond central PDMC limits. Registration is done biometrically at Mee-Seva Kendras and RBKs. Empanelled companies (Jain, Netafim, Finolex, Signet, Nimbus, Captain, Sudhakar) do the installation. PMKSY-AIBP also supports the Polavaram multipurpose irrigation project in AP.

💡 Apply at your RBK or Mee-Seva Kendra — do NOT pay any agent; registration is free. You pay only your farmer's share to the company after sanction — never pay the full system cost. Oil palm and sericulture crops are also covered under APMIP, not just horticulture. After installation, do not move or dismantle the system until the official inspection is complete — premature dismantling forfeits your subsidy.

Telangana

Telangana implements micro-irrigation through the state Agriculture and Horticulture Departments under RKVY-PDMC norms. Telangana was among the top beneficiary states under PMKSY-PDMC 2015-2020. Irrigation coverage of Telangana's gross cropped area is approximately 86% (Economic Survey 2024-25) — among the highest in India. The state's Mission Kakatiya programme (restoration of minor irrigation tanks) complements the PMKSY-HKKP water body restoration component and has significantly expanded water availability. Apply through your local Agriculture Extension Officer or state horticulture department portal before the Kharif season.

💡 Drip/sprinkler subsidy in Telangana is not only for horticulture — paddy, cotton, and other field crops are also eligible depending on the season's district target list. Check with your Agriculture Extension Officer in April-May for the current year's eligible crops and targets in your mandal. Mission Kakatiya has restored thousands of tanks in Telangana — if a tank near your farm has been restored, check if your land now qualifies for a new minor irrigation water connection through the Irrigation Department.

🔧 Subsidy Not Received? Common Reasons & Fixes

District target exhausted — application deferred to next year

Each district gets an annual area target (in hectares). Once the target fills up, no new applications are accepted for that season. Apply in April–May for Kharif, not mid-season. If deferred, your application stays on the waitlist and should be processed in the next season's allocation.
Installed system from a non-empanelled company

This is the most common reason for outright rejection with no recourse. Always verify the company is on the current season's state empanelled list before signing any agreement. The list changes annually — last year's empanelled company may not be on this year's list.
Subsidy not credited even after inspection

Check that your Aadhaar is seeded with your bank account. Also confirm the Agriculture Department officer submitted the inspection report and geo-tagged photo to the state portal. Ask for the inspection report acknowledgement number and follow up at your Rythu Sahayata Kendra / Agriculture Department district office.
System dismantled or moved before inspection

Subsidy requires a physical inspection of the installed system. If the system was moved or dismantled before inspection, the claim is void. Always inform the Agriculture Department immediately after installation and wait for their inspection visit before making any changes.
Land records mismatch

The survey number and area in your application must exactly match your Pahani / Pattadar passbook. Any discrepancy — different survey number, area mismatch, or name spelling difference — causes rejection. Verify your land records at the Revenue Department before applying.

📞 Helpline & Useful Links

🌐 PMKSY Portal 💧 PDMC Portal 🌱 AP APMIP Portal 📞 Kisan Call Centre

PMKSY has an overall outlay of ₹93,068 crore for 2022–2026 with ₹37,454 crore in central assistance. The Micro Irrigation Fund (MIF) with NABARD — corpus doubled to ₹10,000 crore — lets states top up subsidies and cover innovative projects beyond central PDMC norms. AP has already accessed ₹616 crore from MIF covering over 1 lakh ha. Contact your local Rythu Sahayata Kendra (AP) or Agriculture Extension Officer (TG) for the current season's district targets and empanelled supplier list before applying.

🏗️

Agriculture Infrastructure Fund (AIF)

Subsidised loans for warehouses, cold stores, grading units & packhouses · Ministry of Agriculture & Farmers Welfare

Infrastructure FPOs & Farmers Central Sector Scheme

3%

interest subvention

Verified April 2026 · Source: agriinfra.dac.gov.in & PIB · Cabinet expansion Aug 2024 · ⚠️ Loan disbursement closes March 2026 — apply now

~6% Effective Rate

on loans up to ₹2 crore — government pays 3% of your interest for 7 years, plus covers your loan guarantee fee

3%

Interest saved
per year, 7 years

₹2 Cr

Max subvention
per project

25

Projects per
beneficiary

1.13L+

Projects sanctioned
as of Jun 2025

How it works: AIF is a bank loan — not a grant. You borrow from a bank to build your warehouse, cold store, or processing unit. The government pays 3% of your annual interest directly to your loan account for up to 7 years on loans up to ₹2 crore. With the bank rate capped at 9%, your effective cost is ~6% per year. The government also pays your CGTMSE loan guarantee fee so you may not need collateral for loans up to ₹2 crore (MSME registration required). Loan disbursement closes March 31, 2026 — do not delay.

🏭 What You Can Build / Finance

✓
Warehouses, silos, and storage parks for grain, vegetables, or other produce
✓
Cold storage units, cold chains, and ripening/waxing chambers
✓
Sorting, grading, assaying, and packing units at farm gate or aggregation points
✓
Integrated primary + secondary processing units (since Aug 2024)
✓
Community farming assets — custom hiring centres, farm machinery banks
✓
Solar energy projects (PM-KUSUM Component-A) for FPOs, cooperatives, and panchayats — can be combined with cold storage or processing unit
✗
Standalone secondary processing only (e.g. dal mill or rice mill alone) — apply under PM-FME scheme instead

✅ Who Can Apply

✓
Individual farmers — for on-farm storage or processing infrastructure
✓
FPOs, FPCs, SHGs, PACS, marketing cooperatives, state agencies, APMCs, and national/state federations of cooperatives
✓
Agri-entrepreneurs and agri-startups building post-harvest or processing infrastructure
✓
Each eligible entity can apply for up to 25 separate projects
✗
Applications not disbursed before March 31, 2026 cannot avail AIF interest subvention

📄 Documents Required

1
Aadhaar card and PAN card of promoter/partners/directors
2
Passport-size photographs of promoter
3
Residence proof and business/project address proof
4
Land ownership records or lease agreement for the project site
5
Detailed Project Report (DPR) — most banks require this; district PMU provides free help to prepare it
6
Bank account statement (last 6–12 months)
7
Udyog Aadhaar / MSME registration certificate — required for CGTMSE credit guarantee (no collateral up to ₹2 crore)
8
FPO/cooperative registration certificate (for group applicants)

📝 How to Apply

1

Register on the AIF portal

Go to agriinfra.dac.gov.in → click "Beneficiary" → "Registration" → enter name, mobile, Aadhaar → verify OTP → fill beneficiary type and address → submit. Registration is free.
2

Get free DPR help from district PMU

A Project Management Unit (PMU) at the district Agriculture Department provides free handholding to prepare your Detailed Project Report — this is the biggest reason applications fail. Contact your district Agriculture Office before starting the application.
3

Submit project application on portal

Log in and submit your project — select project type, location, estimated cost, and loan amount. The portal routes your application to your chosen participating bank or NABARD.
4

Bank credit appraisal & sanction

The bank independently assesses your project's technical and financial viability. A strong DPR significantly improves your chances. On sanction, the bank communicates the loan terms.
5

Disbursement & interest subvention

After disbursement, the bank registers your loan on the AIF portal. Government credits the 3% interest subvention directly to your loan account quarterly. Track your loan statement to confirm it is being applied. Disbursement must happen before March 31, 2026.

🌐 Apply on AIF Portal 📋 Scheme Overview

🗺️ How Your State Implements This

Andhra Pradesh

AP is among the top 8 states nationally in AIF fund utilisation, accounting for a significant share of the ₹66,310 crore sanctioned as of June 2025. The AP Agriculture Department is the State Nodal Department. District-level PMUs provide free project report preparation support. AP FPOs and PACS (APCOB network) are active AIF applicants. The scheme converges well with AP's APMIP micro-irrigation investments — a farmer building a cold room can fund the structure through AIF and the drip system through APMIP. Annadata Sukhibhava investment support (₹20,000/acre/year) is entirely separate and does not affect AIF eligibility.

💡 AIF is a loan — not a subsidy or grant. The 3% interest saving on a ₹1 crore loan is ₹3 lakh per year — significant, but you must repay the principal. Many AP applicants get rejected because they submit without a proper DPR — visit your district Agriculture Office PMU first; support is free. Register your unit as an MSME (Udyog Aadhaar — free online) before applying to avoid the 30% collateral requirement.

Telangana

Telangana Agriculture Department is the State Nodal Department. Telangana Grameena Bank and cooperative banks (TSCAB) participate as lenders alongside commercial banks. Telangana's horticulture and vegetable farmers face significant post-harvest losses — AIF-funded cold rooms and grading units are particularly relevant. Convergence with PM-KUSUM Component-A allows FPOs and cooperatives to add solar power to their cold storage units, reducing electricity costs. Rythu Bandhu and Rythu Bharosa cash support are entirely separate and do not affect AIF eligibility or loan repayment.

💡 Telangana vegetable and fruit growers — especially in districts like Rangareddy, Vikarabad, and Nalgonda — face 20–40% post-harvest losses. A cold room or sorting unit financed through AIF can directly improve your income. Also, AIF can now be combined with PM-KUSUM solar energy — mention this in your DPR to improve project viability and reduce operating costs. The March 2026 disbursement deadline is firm — apply at least 3–4 months in advance to allow time for bank appraisal.

🔧 Application Rejected or Stalled? Common Reasons & Fixes

Bank rejected project on viability grounds

The most common reason. AIF portal registration does not guarantee a loan — the bank independently assesses whether your project is commercially viable. A weak or absent Detailed Project Report (DPR) is the primary cause. Contact your district Agriculture Department's PMU for free DPR preparation support before reapplying.
Interest subvention (3%) not being credited to loan account

After loan disbursement, your bank must register the loan on the AIF portal MIS for subvention to flow. If the 3% is not appearing on your quarterly loan statement, ask your bank branch manager to confirm the loan is registered on the AIF portal. If unresolved, raise a grievance at agriinfra.dac.gov.in or email agriinfra-dac@gov.in.
Bank asking for 30% collateral even for loans under ₹2 crore

For loans up to ₹2 crore, CGTMSE credit guarantee covers the risk — government pays the fee — and collateral may not be needed. However, this requires MSME registration (Udyog Aadhaar). Register at udyamregistration.gov.in (free, online, instant) before applying, and then ask the bank to process under CGTMSE.
Missed March 2026 disbursement deadline

If disbursement doesn't happen by March 31, 2026, you lose the AIF interest subvention benefit — the bank may still give the loan but at normal rates. Apply by December 2025 at the latest to allow 3–4 months for appraisal, sanction, and disbursement. Do not wait until February or March 2026.
FPO unsure if eligible or how to apply as a group

FPOs are among the most important target beneficiaries under AIF. Register the FPO as a beneficiary on the portal, submit a group project (e.g., shared cold storage for all members), and present the FPO registration certificate and board resolution to the bank. FPOs can use NABSanrakshan credit guarantee (instead of CGTMSE) — inform the bank about this option. Up to 25 projects per FPO are allowed.

📞 Helpline & Useful Links

🌐 AIF Portal 📋 Scheme Overview 🏭 MSME Registration 📧 Email Helpdesk

As of June 2025, ₹66,310 crore has been sanctioned for 1,13,419 projects under AIF — generating over 9 lakh rural jobs and 550 lakh MT of new storage capacity. AP is one of the top beneficiary states. The budgetary support for interest subvention and credit guarantee fee is ₹10,636 crore over 10 years. Loan disbursement window closes March 31, 2026 — contact your district Agriculture Department PMU or the AIF portal helpdesk at agriinfra-dac@gov.in for project preparation support.

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