Farmer Welfare Cash Schemes in India (2025 Update): Central & State Government Initiatives
India’s agricultural sector continues to be the backbone of the economy, supporting over 10 crore farming families. To strengthen farmer income, reduce financial stress, and promote sustainable agriculture, both the Central Government and State Governments run major cash-based Direct Benefit Transfer (DBT) schemes.
This updated 2025 guide details the primary central and state farmer cash schemes, benefit amounts, eligibility criteria, and how farmers can seamlessly withdraw their credited DBT funds locally.
Central Government Farmer Cash Schemes
1. PM-KISAN Samman Nidhi Yojana
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Launch Date: February 2019
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Benefit Amount: ₹6,000 per year (transferred in 3 equal installments of ₹2,000)
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Beneficiaries Covered: Over 11 crore registered farmers
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Key Details: Direct income support transferred straight to farmers’ bank accounts to meet agricultural input costs and household requirements.
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Eligibility: Small and marginal landholding farmers with cultivable land ownership and Aadhaar-linked bank accounts.
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Exclusions: Institutional landholders, income tax-paying farmers, and serving or retired government employees.
2. PM Kisan Maandhan Yojana (PM-KMY)
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Launch Date: September 2019
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Benefit Amount: Guaranteed ₹3,000 monthly pension after attaining 60 years of age
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Beneficiaries Covered: Around 25 lakh enrolled farmers
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Key Details: A voluntary and contributory pension scheme offering financial security to small farmers during old age.
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Eligibility: Small and marginal farmers aged between 18–40 years with cultivable land up to 2 hectares.
3. Pradhan Mantri Fasal Bima Yojana (PMFBY)
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Launch Date: February 2016
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Benefit Amount: Direct crop loss compensation based on assessed damage
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Beneficiaries Covered: Crores of insured farmers annually
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Key Details: Financial protection against crop damage caused by unseasonal rains, drought, pests, or natural disasters.
Major State Government Farmer Schemes
| State | Scheme Name | Annual Benefit Amount | Targeted Beneficiaries |
| Telangana | Rythu Bandhu Scheme | ₹10,000 per acre / year | ~70 Lakh Farmers |
| Andhra Pradesh | YSR Rythu Bharosa | ₹13,500 / year (incl. PM-KISAN) | ~50 Lakh Farmers |
| Odisha | KALIA Scheme | ₹10,000 per family / year | ~60 Lakh Families |
| Madhya Pradesh | Mukhyamantri Kisan Kalyan Yojana | ₹4,000 / year (in addition to PM-KISAN) | ~80 Lakh Farmers |
| Chhattisgarh | Rajiv Gandhi Kisan Nyay Yojana | ₹9,000–₹12,000 per acre | ~25 Lakh Farmers |
Universal Eligibility Prerequisites for DBT Schemes
To receive DBT transfers without interruption, farmers must ensure:
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Aadhaar-Seeded Bank Account: Bank accounts must be linked with Aadhaar and NPCI mapping enabled.
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Updated Land Records: Valid landownership documents (Khata/Khasra) registered with the State Agriculture Department.
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e-KYC Completion: Active biometric/Aadhaar e-KYC verified on respective scheme portals.
Last-Mile Cash Access: How Ezeepay Retailers Support Rural Farmers
While scheme enrollments happen through government portals, accessing credited cash in remote villages often poses a challenge. Ezeepay bridges this last-mile gap across rural India without needing farmers to travel long distances to crowded bank branches.
Biometric Cash Withdrawal via AePS & Micro ATMs
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Instant AePS Cash Withdrawal: Farmers can visit any local Ezeepay retailer shop, enter their Aadhaar number, select their bank, and authenticate via fingerprint to withdraw their DBT cash.
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Micro ATM (MATM) Banking: Farmers with basic debit cards can swipe and withdraw scheme benefits directly at neighborhood stores.
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Zero Travel Costs: Reduces dependency on distant rural bank branches, saving farmers time and transportation fees.
Disclaimer: Ezeepay is a financial technology platform providing Aadhaar Enabled Payment System (AePS) and Micro-ATM services. Ezeepay is not affiliated with scheme enrollments or government verification processes. Farmers must contact their local Agriculture Officer or official scheme portals for registration.
