🌾 Introduction

Many farmers in India miss out on thousands of rupees in benefits simply because they are not aware of government schemes.

This guide will help you understand:

• What schemes are available
• Who is eligible
• How to apply
• How much benefit you get

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💰 1. PM-KISAN (Pradhan Mantri Kisan Samman Nidhi)

What You Get:

• ₹6,000 per year (₹2,000 every 4 months)

Eligibility:

• Small and marginal farmers
• Land should be in your name

How to Apply:

1. Visit nearest CSC (Common Service Center)
2. Or apply online on PM-KISAN portal
3. Submit Aadhaar + land documents

Why It’s Important:

• Direct money support for seeds, fertilizer, etc.

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🌧️ 2. Crop Insurance Scheme (PMFBY)

What It Covers:

• Crop loss due to:
  • Rain 🌧️
  • Drought ☀️
  • Flood 🌊
  • Pest attack 🐛

Premium:

• Very low (1–2% of crop value)

Benefit:

• Government pays compensation if crop fails

How to Apply:

• Through bank while taking crop loan
• Or agriculture office

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🚜 3. Subsidy on Farm Equipment

What You Get:

• 40% to 60% subsidy on:
  • Tractor 🚜
  • Rotavator
  • Sprayer
  • Harvester

Where to Apply:

• State agriculture department portal
• Local agriculture office

👉 This is very useful for reducing farming cost.

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💧 4. PMKSY (Irrigation Scheme)

Full Form:

Pradhan Mantri Krishi Sinchai Yojana

Benefits:

• Subsidy on:
  • Drip irrigation 💧
  • Sprinklers

Why It Matters:

• Saves water
• Improves crop yield

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🏦 5. Kisan Credit Card (KCC)

What You Get:

• Easy loan up to ₹3 lakh
• Low interest (4% approx)

Uses:

• Buy seeds
• Fertilizers
• Equipment

Where to Apply:

• Any bank (SBI, Canara, etc.)

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🌱 6. Soil Health Card Scheme

Benefit:

• Free soil testing
• Get report of nutrients

Why Important:

• Helps use correct fertilizer
• Increases production

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📋 Documents Required (Common for All Schemes)

• Aadhaar Card
• Land Records (RTC / Pahani)
• Bank Passbook
• Mobile Number

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⚠️ Common Mistakes Farmers Should Avoid

❌ Not updating Aadhaar with bank
❌ Wrong land records
❌ Missing deadlines
❌ Not checking scheme eligibility

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📱 How Krushiyatra Helps Farmers

👉 Along with government benefits, farmers still need:

• Labour 👨‍🌾
• Equipment 🚜
• Market access 💰

Krushiyatra helps you:

• Find labour easily
• Rent farm equipment
• Buy & sell crops