🏦 Major Government Schemes Implemented Through Banks (For Farmers)
| No. | Scheme Name | Objective | Implemented Through |
|---|---|---|---|
| 1️⃣ | Kisan Credit Card (KCC) Scheme | Working capital for crops | All banks / Cooperative banks / Regional rural banks |
| 2️⃣ | Pradhan Mantri Fasal Bima Yojana | Crop loss insurance | Banks / Agriculture department |
| 3️⃣ | KCC for Animal Husbandry and Fisheries | Loan for animal and fish farming | All banks |
| 4️⃣ | Agricultural Mechanization Scheme | Assistance and loan for purchasing farm machinery | Banks + Agriculture department |
| 5️⃣ | NABARD Schemes | Agricultural infrastructure and capital investment | Banks + NABARD |
| 6️⃣ | Pradhan Mantri Krishi Sinchai Yojana | Irrigation facilities | Banks + Agriculture department |
| 7️⃣ | Kisan Samriddhi Yojana (Rajasthan) | Agricultural diversification and technical support | Banks + State government |
1️⃣ Kisan Credit Card (KCC) Scheme
Eligibility:
- Farmers engaged in cultivation (own land or sharecropping)
- Livestock rearers and fishermen are also eligible
Loan Amount:
- ₹10,000 to ₹3,00,000 (depending on crop)
- Interest Rate: 4% (including subsidy for timely repayment)
Required Documents:
- Aadhaar card
- Land ownership papers / Khasra copy
- Bank passbook
- Passport size photo
- Caste certificate (if applicable)
- Crop insurance form
2️⃣ KCC for Animal Husbandry and Fisheries
Purpose: Loan for cow, buffalo, goat rearing or fish farming
Loan Amount: Up to ₹2,00,000
Interest rate & documents: Same as KCC scheme
3️⃣ Agricultural Mechanization Scheme
Purpose:
Assistance for purchase of tractor, thresher, reaper, harvester, drone, etc.
Assistance Amount:
- Subsidy from 40% to 60%
- Loan limit ₹1,00,000 to ₹10,00,000
Required Documents:
- Machinery details
- Agricultural land ownership proof
- Quotation
- ID proof and Aadhaar
4️⃣ Pradhan Mantri Krishi Sinchai Yojana
Purpose:
Support for drip irrigation, sprinklers, irrigation wells, tube wells, farm pond construction
Assistance:
- Subsidy + bank loan
- Loan limit ₹50,000 to ₹2,00,000
5️⃣ NABARD Schemes
| Scheme | Description |
|---|---|
| Agricultural Infrastructure Fund | Loan up to ₹2 crore for warehouse, cold storage, processing unit |
| Dairy Entrepreneurship Development Scheme | Subsidy + loan for dairy farming |
| Crop Diversification Scheme | Support for new crops – seeds, irrigation, training |
🌾 Pradhan Mantri Fasal Bima Yojana (PMFBY)
Purpose:
To compensate farmers for crop losses due to natural calamities, pests, and diseases
Eligibility:
- Land-owning farmers, tenants, sharecroppers
- Mandatory for loanee farmers, voluntary for non-loanee farmers
Implementation Time:
- Kharif: 1 June to 31 July
- Rabi: 1 October to 31 December
Premium Rates:
| Crop Type | Farmer’s Premium Share |
|---|---|
| Food grains / Oilseeds (Kharif) | 2% |
| Rabi crops | 1.5% |
| Commercial / Horticultural crops | 5% |
Remaining premium is borne by the government.
Required Documents:
- Aadhaar card
- Land documents / Lease deed
- Crop details
- Bank passbook
- Passport size photo
Claim Process:
- Report crop loss within 72 hours
- Assessment team at village level will inspect
- Payment directly to the bank account
Insurance Companies in Rajasthan:
- HDFC Ergo General Insurance
- IFFCO-Tokio
- Agriculture Insurance Company of India Ltd.
- Reliance General Insurance
(Varies by district)
Important Contact:
- Agriculture helpline: 1800-180-1551
- Application: Nearest bank branch / Common Service Center (CSC)
