Step-by-Step Guide: Pradhan Mantri Kisan Samman Nidhi (PM-KISAN) Scheme

1. What is PM-KISAN?

The PM-KISAN Sam­man Nid­hi is a flag­ship gov­ern­ment scheme start­ed in Decem­ber 2018 to pro­vide direct income sup­port to eli­gi­ble farm­ers across India. Every year, Rs. 6,000 is trans­ferred direct­ly to the bank accounts of land­hold­ing farmer fam­i­lies, split across three equal install­ments.

2. Objective

• Sup­port Small and Mar­gin­al Farm­ers: Finan­cial assis­tance to ensure basic finan­cial sta­bil­i­ty and encour­age agri­cul­tur­al pro­duc­tiv­i­ty.
• Direct Ben­e­fit Trans­fer (DBT): Funds are trans­ferred dig­i­tal­ly to elim­i­nate inter­me­di­aries, ensur­ing trans­paren­cy and quick dis­bur­sal.

3. Who is Eligible?

• All land­hold­ing farmer fam­i­lies with cul­tivable land reg­is­tered in their names.
• Exclu­sions: Cer­tain high­er eco­nom­ic sta­tus groups, such as tax pay­ers and high-rank­ing offi­cials, are not eli­gi­ble.

4. Key Scheme Features

Fea­ture	Details
Finan­cial Sup­port	Rs. 6,000 per year
Dis­bur­sal Mode	Direct Ben­e­fit Trans­fer (DBT)
Install­ments	3 per year (Rs. 2,000 each)
Install­ment Months	April–July, August–November, December–March
Tar­get Ben­e­fi­cia­ries	Small and mar­gin­al land­hold­ing farmer fam­i­lies
Scheme Launch	1 Decem­ber 2018

5. How to Apply for PM-KISAN (Step by Step)

Step 1: Gather Required Documents

• Aad­haar card
• Land­hold­ing doc­u­ments
• Sav­ings bank account details

Step 2: Registration

• Farm­ers can reg­is­ter online through the offi­cial PM-KISAN por­tal or vis­it their near­est Com­mon Ser­vice Cen­tre (CSC) or local agri­cul­tur­al offi­cer.

Step 3: Fill Out the Application

• Pro­vide per­son­al infor­ma­tion (state, dis­trict, Aad­haar num­ber, bank details, land reg­is­tra­tion num­ber, date of birth).
• Input land details: Survey/Khata Num­ber, Khas­ra Num­ber, and area as stat­ed in the land­hold­ing doc­u­ments.

Step 4: Submit Documents

• Upload copies of land records, Aad­haar card, and bank pass­book.

Step 5: e‑KYC (Know Your Customer)

• Com­plete the e‑KYC process (Online Aad­haar authentication/OTP or bio­met­ric authen­ti­ca­tion at CSC).

Step 6: Application Verification

• Appli­ca­tion is ver­i­fied by rel­e­vant author­i­ties dig­i­tal­ly.

Step 7: Know Your Status

• Appli­cants can check reg­is­tra­tion and pay­ment sta­tus using the offi­cial por­tal by inputting their reg­is­tra­tion num­ber and com­plet­ing OTP-based ver­i­fi­ca­tion.

6. Disbursement Process

• Install­ment Cycle: Three times a year; the gov­ern­ment releas­es funds direct­ly into the Aad­haar-linked bank accounts of reg­is­tered farm­ers.
• As of July 2025, near­ly 20 install­ments have been dis­bursed, ben­e­fit­ing over 11 crore farm­ers nation­wide.

7. Recent Updates (2025)

• The 20th install­ment is sched­uled to be released around July 18–19, 2025. Farm­ers can check their bank and appli­ca­tion sta­tus on the offi­cial por­tal for con­fir­ma­tion.
• The most recent pre­vi­ous install­ment (19th) was cred­it­ed on Feb­ru­ary 24, 2025, ben­e­fit­ing approx­i­mate­ly 9.8 crore farm­ers.

8. Importance and Impact

• Strength­ened the eco­nom­ic secu­ri­ty of small and mar­gin­al farm­ers.
• Reduced rur­al indebt­ed­ness and depen­den­cy on infor­mal loans.
• Enhanced dig­i­tal inclu­sion via online reg­is­tra­tions and DBT.

9. Common Issues & Tips

• Ensure e‑KYC is updat­ed to avoid delay in receiv­ing install­ments.
• Reg­u­lar­ly check sta­tus online for updates or errors.

10. Where to Get More Information

• Offi­cial por­tal: pmkisan.gov.in
• PM-Kisan Helpline: 155261 / 011–24300606

This guide pro­vides a sim­pli­fied, step-by-step under­stand­ing of the PM-KISAN scheme, empow­er­ing farm­ers and inter­est­ed read­ers with reli­able details to ensure time­ly access to gov­ern­ment sup­port.