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Step-by-Step Guide to PM-Kisan e-KYC Online
The Pradhan Mantri Kisan Samman Nidhi (PM-Kisan) scheme offers financial support to eligible farmers across India. To improve transparency and ensure timely benefits, the government introduced PM Kisan eKYC online, a simple Aadhaar OTP-based verification process. Completing e KYC online PM Kisan helps confirm eligibility and ensures that financial assistance reaches the right beneficiaries without delays.
PM-Kisan is a major government initiative launched in 2018 to provide income support to small and marginal farmers. Under this scheme, eligible farmers receive annual financial assistance of Rs. 6,000, paid in three equal instalments of Rs. 2,000 each directly to their bank accounts.
To make the system more secure and efficient, the government implemented PM Kisan eKYC online verification. This process allows farmers to complete e KYC online PM Kisan authentication quickly using their Aadhaar-linked mobile number, reducing the risk of errors and ensuring that only eligible farmers continue to receive scheme benefits.
How to complete PM Kisan eKYC Online - Step-by-step process
Completing PM Kisan e-KYC is a simple process that requires minimal effort:
- Visit the PM-Kisan website: Access the official PM-Kisan website - https://pmkisan.gov.in/
- Navigate to ‘Farmers Corner’: Locate the ‘Farmers Corner’ section on the homepage
- Click on ‘e-KYC’: Within the ‘Farmers Corner,’ click on the ‘e-KYC’ option
- Enter Aadhaar number: Enter your valid 12-digit Aadhaar number in the designated field
- Click ‘Search’: Once you enter your Aadhaar number, click the ‘Search’ button
- Enter mobile number: Provide the mobile number registered with your Aadhaar Card
- Click ‘Get OTP’: After entering your mobile number, click the ‘Get OTP’ button
- Enter OTP: You will receive an OTP on your registered mobile number. Enter this OTP in the designated field on the website
- Submit: Click ‘Submit’ to complete the e-KYC process
Advantages of PM Kisan OTP based KYC
The OTP-based e-KYC leverages Aadhaar authentication, offering several advantages:
- Convenience: The process can be completed online from anywhere, eliminating the need to visit government offices.
- Security: Aadhaar authentication ensures a secure and reliable verification process, minimising the risk of fraudulent claims.
- Transparency: Online verification promotes transparency in the scheme's administration.
- Efficiency: e-KYC streamlines the verification process, expediting the disbursement of benefits to eligible farmers.
How to check PM-Kisan e-KYC status online?
Here are the steps to check PM-Kisan KYC status online:
- Head to the PM-Kisan website: Open a web browser and visit the official PM-Kisan website
- Find the ‘Farmers Corner:’ Look for a section or tab labelled ‘Farmers Corner’ on the website
- Click on ‘e-KYC’: Within the ‘Farmers Corner,’ See an option for ‘e-KYC.’ Click on this button
- Enter your Aadhaar number: A box will appear asking for your Aadhaar number. Type in your unique 12-digit Aadhaar number
- Search for your information: Once you have entered your Aadhaar number, click ‘submit’ button
- Verify with your mobile number: The website will ask for your mobile phone number linked to your Aadhaar card. Enter the number and click a button like ‘Get OTP’ to receive a verification code
- Enter the OTP: Enter the OTP in the designated field on the website
- See your e-KYC status: After entering the OTP, the website will display your PM-Kisan e-KYC status on the screen
PM-Kisan KYC methods
Once you have finished the KYC (Know Your Customer) process, your PM-Kisan instalments will be deposited directly into your Aadhaar-linked bank account. To get these benefits, the Indian government offers three ways to complete your KYC:
1. OTP-Based e-KYC (Online Method)
- Visit the official PM-Kisan portal to complete your pm kisan KYC online.
- Click on ‘e-KYC’ and enter your Aadhaar number.
- You will receive a one-time password (OTP) on your registered mobile number.
- Enter the OTP to verify your identity.
- Once verified, your pm kisan eKYC will be updated immediately.
2. Biometric e-KYC at a CSC Centre
- Visit your nearest Common Service Centre (CSC).
- Provide your Aadhaar number and authenticate using fingerprint or iris scan.
- The CSC operator will assist in updating your pm kisan KYC status.
- This method is helpful if your mobile number is not linked with your Aadhaar.
3. Face Authentication e-KYC (Via PM-Kisan Mobile App)
- Download the PM-KISAN mobile app and the Aadhaar Face RD app.
- Open the PM-Kisan app and select ‘e-KYC’.
- Enter your Aadhaar number and proceed with face authentication.
- Use your phone’s camera to scan your face.
- Once matched, your pm kisan eKYC is successfully completed.
What to do if PM Kisan eKYC fails?
- Ensure your mobile number is linked with your Aadhaar to receive the PM Kisan eKYC OTP for verification.
- Double-check the Aadhaar details entered during the PM Kisan eKYC process to avoid mismatches.
- If the OTP does not arrive, wait a few minutes and request a new PM Kisan eKYC OTP.
- Visit the nearest Common Service Centre (CSC) for assistance if the online PM Kisan eKYC fails repeatedly.
- Keep your documents ready to complete verification smoothly and update your account.
Conclusion
Completing PM Kisan eKYC online is essential for ensuring the smooth and transparent delivery of benefits under the PM Kisan scheme. The PM Kisan eKYC process uses Aadhaar-based authentication to verify beneficiary details securely, reduce errors, and support timely fund disbursement. Farmers can conveniently finish the verification online without the need for repeated physical visits, helping them receive financial assistance without delays.
Along with managing government benefits efficiently, individuals can also explore financial solutions such as a personal loan online to address urgent expenses and support their financial planning when needed.
Additional reads
| What is KYC | What is Video KYC | What is e-KYC |
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Personal loan interest rate and applicable charges
Type of fee | Applicable charges |
Rate of interest per annum | 10% to 30% p.a. |
Processing fees | Up to 3.93% of the loan amount (inclusive of applicable taxes). |
Flexi Facility Charge | Term Loan – Not applicable Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes) |
Bounce charges | Rs. 700 to Rs. 1,200/- per bounce “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason. |
Part-prepayment charges | Full Pre-payment:
Part Pre-payment
|
Penal charge | Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount. |
Stamp duty (as per respective state) | Payable as per state laws and deducted upfront from loan amount. |
Annual maintenance charges | Term Loan: Not applicable Flexi Term (Dropline) Loan: Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.
Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure |
| Credit guarantee scheme fee | Up to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount |
| Credit guarantee scheme renewal fee | Up to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year. *Renewal Fee to be collected only for 3 subsequent financial years. **If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated. |
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