Stay Updated with Our Latest Blogs
Subscribe to our blog and get the latest insurance tips, guides, and industry updates delivered to your inbox
Subscribe to our blog and get the latest insurance tips, guides, and industry updates delivered to your inbox
Crop Insurance
The PM Kisan scheme
, is designed to provide direct financial support to millions of smallholder farmers across India. The scheme, officially known as the Pradhan Mantri Kisan Samman Nidhi, provides direct financial support to small and marginal farmers, helping them manage agricultural expenses and improve livelihoods. PM Kisan is a Central Sector scheme with 100% funding from Government of India
Agriculture remains the backbone of India, and supporting farmers is vital for national growth. The PM Kisan scheme launched in February 2019 and implemented with effect from December 2018, has evolved into one of the most impactful welfare programmes (opens in a new tab) for farmer households.
The scheme aims to provide financial assistance (opens in a new tab)to landholding farmer families across the country, to enable them to take care of expenses related to agriculture, allied activities (opens in a new tab) and domestic needs.
By offering direct income support, the Pradhan Mantri Kisan Samman Nidhi ensures farmers can focus on productivity without constant financial stress. In 2026, the scheme continues to expand its reach, with digital tools like PM Kisan KYC making access smoother and more transparent.
The PM Kisan scheme is a government initiative that provides eligible farmers with INR 6,000 annually, distributed in three instalments of INR 2,000 each. This direct benefit transfer (DBT) goes straight into the Aadhaar seeded bank account of the farmer beneficiary through the aadhaar-enabled payment system ensuring transparency and reducing middlemen interference.
Key highlights:
:Launched in February 2019
The scheme has grown significantly since its inception. In 2026, farmers benefit from:
To receive benefits under the Pradhan Mantri Kisan Samman Nidhi, farmers must meet certain conditions:
Farmers can register for PM Kisan through:
Documents required:
The PM Kisan KYC process ensures that only genuine beneficiaries receive funds. In 2026, the government has made e-KYC mandatory for all farmers. Without completing this step, payments may be delayed or stopped.
Steps for PM Kisan KYC:
This process strengthens accountability and ensures that funds reach the right hands.
Digital push: Farmers can now track instalments via SMS alerts and mobile apps.Expanded coverage: More states are integrating land records digitally to simplify eligibility checks.Women empowerment: Special awareness drives encourage women farmers to register underPradhan Mantri Kisan Samman Nidhi.Grievance redressal: Helplines and online complaint systems have been strengthened for faster resolution
All landholding farmers’ families, which have cultivable land holding in their names are eligible to get benefit under the scheme
Under the PM-KISAN scheme, all landholding farmers’ families shall be provided the financial benefit provided they complete PM Kisan KYC.
Farmers receive INR 6,000 annually, split into three instalments of INR 2,000 each, directly into their bank accounts.
It verifies farmer identity, prevents fraud, and ensures instalments are credited without delay. Without KYC, payments may be withheld.
The responsibility of identifying the eligible farmers’ families for benefit under the scheme is entirely of the State/UT Governments.
IntroductionIf you own a vehicle, understanding third-party car insurance is essential. It is the most basic form of motor insurance and is required by law for all vehicles driven on Indian roads.What This Blog Covers • What third-party insurance means and how it works. • Why it is considered mandatory car insurance in India. • The benefits, coverage, and limitations of this policy. • The consequences of ignoring the car insurance legal requirement.This guide provides a clear overview of the leg
Meri Fasal Mera Byora is a Haryana government initiative to benefit the farmers of the state. It is an important platform for crop registration and provides access to various government agriculture-related benefits. As the Kharif 2026 season is in progress, completing registration correctly can help farmers avoid delays in receiving support and scheme benefits by understanding benefits of insurance to farmers.What This Guide CoversWho should register for kharif 2026Documents and details required
IntroductionCrop Loss in Karnataka remains a critical challenge for farmers, especially during the kharif season when weather uncertainties are at their peak. Understanding the causes and taking preventive measures can significantly reduce risks and improve yields by understanding proven ways to protect crops.In this blog, you’ll learn:Major causes behind crop damage in KarnatakaKey Karnataka kharif crop risks farmers should watch out forPractical strategies to minimise losses and protect cropsP
IntroductionThe Rythu Bharosa scheme in Telangana continues to play a crucial role in supporting farmers during Kharif 2026. This is the Telangana government’s flagship farmer investment support scheme for seeds, fertilisers, and labour. By providing timely financial assistance, it helps reduce input costs and stabilise agricultural income and improve financial security through benefits of insurance to farmers.What this blog coversKey advantages of the scheme in Kharif 2026How Rythu Bharosa supp
IntroductionThis is our Maharashtra Kharif crops guide that can help the farmers of Maharashtra plan the upcoming monsoon season effectively. With the right crop choices, sowing time, and risk protection strategies, farmers can maximise yield and reduce uncertainty with the help of https://kshema.co/plans/What this blog covers:Best crops suited for the Kharif season in MaharashtraIdeal sowing dates to ensure higher productivityRegion-wise considerations for crop planningPractical insurance tips
If your PM Kisan payment has not been credited in 2026, it can be both confusing and frustrating. Many farmers across India face delays due to technical or verification issues, but most problems can be resolved with the right steps.In this blog, you will learn:Why your instalment may be delayed or missingHow to complete a quick PM Kisan status checkWays to fix errors and receive future paymentsWhere to seek help if the issue persistsUnderstanding the PM-Kisan Samman Nidhi Scheme in 2026The PM-Ki