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About PM Kisan Samman Nidhi
PM Kisan Samman Nidhi is a flagship initiative by the Government of India aimed at providing direct income support to small and marginal farmers across the country, irrespective of their CIBIL Score. Launched in February 2019, the scheme aims to supplement the financial needs of farmers by providing them with income support of Rs. 6,000 per year in three equal instalments. The primary objective of PM Kisan Samman Nidhi is to ensure financial stability and improve the livelihoods of farmers, particularly those who own less than 2 hectares of cultivable land, regardless of their CIBIL Score.
Under this scheme, eligible farmers receive financial support that is credited straight into their bank accounts through the Direct Benefit Transfer (DBT) system. This ensures that the funds reach beneficiaries without any middlemen or delays. By enabling a PM Kisan status check using Aadhar card, farmers can easily track whether the amount has been credited successfully.
The PM Kisan Samman Nidhi scheme is designed to ease the financial burden on farmers, enhance their daily cash flow, and promote better investments in seeds, farming equipment, and modern agricultural practices. By performing a PM Kisan status check using Aadhaar Card, beneficiaries can conveniently track their payment status and confirm their eligibility under the scheme. This inclusive scheme covers farmers across all states and union territories, ensuring there is no regional bias. Additionally, eligible farmers can quickly complete their PM Kisan Registration to start availing the benefits of consistent financial support.
The PM Kisan Samman Nidhi scheme significantly contributes to the agricultural sector and the socio-economic growth of rural communities by ensuring a reliable income source for farmers. Such initiatives strengthen the backbone of India’s agricultural economy and empower farmers to adopt advanced farming methods for higher productivity.
Why should you check your PM Kisan beneficiary status?
- Performing a PM Kisan payment status check using Aadhaar Card ensures that you are updated about your registration and payment details associated with your PM Kisan Aadhaar number.
- It allows you to track the number of instalments credited to your account and identify if any payments are pending.
- Regularly checking your status also helps verify that your name is correctly listed in the PM Kisan Samman Nidhi beneficiary list for seamless payment disbursals.
- If there are inaccuracies or missing details in your beneficiary status, a timely check enables you to correct errors and avoid delays in receiving payments.
Check PM Kisan beneficiary status using Aadhaar number
To check your PM Kisan beneficiary status using your Aadhaar number, follow these steps:
- Visit the official PM Kisan Samman Nidhi website
- On the homepage, scroll down to the ‘FARMERS CORNER’ section
- Click on the option labeled ‘KNOW YOUR STATUS’
- You will be directed to a new page. Click on the option ‘KNOW YOUR REGISTRATION NUMBER’
- Select search by ‘AADHAAR NUMBER’ option
- Enter your Aadhaar number and captcha and click on ‘GET MOBILE OTP’
- Enter the OTP received on your mobile number
- After verifying the OTP, you will receive your registration number
- On the new page, enter your registration number along with the captcha code
- Click on the ‘GET OTP’ button
- Your PM Kisan instalment details will then be displayed on the screen
By following these steps, you will be able to access comprehensive information regarding your PM Kisan Beneficiary status and the instalments that you have received.
PM Kisan KYC
PM Kisan KYC,, or Know Your Customer, is an essential process in the PM Kisan scheme aimed at ensuring that the benefits reach the rightful beneficiaries directly into their Aadhaar-seeded bank accounts, thus eliminating middlemen. There are three modes of eKYC available for farmers under the PM Kisan scheme.
Steps to update OTP-based e-KYC
This guide explains how to easily complete the e-KYC process for the PM-Kisan scheme. Follow these steps:
- Visit the PM-Kisan website
- Go to the Farmers Corner and click the e-KYC icon
- Enter your Aadhaar number and click Search
- Provide your mobile number linked to Aadhaar and click Get OTP
- Enter the OTP received on your mobile to finish e-KYC
Steps to update biometric-based e-KYC
Get your e-KYC done with fingerprints or iris scan at a CSC or SSK:
- Head to the CSC Finder portal to locate a Common Service Centre (CSC) or State Seva Kendra (SSK) close by
- When you arrive, let the CSC/SSK operator know you want to complete e-KYC for the PM-Kisan scheme using biometrics
- Hand over your Aadhaar card and share the mobile number linked to it with the operator
- The CSC/SSK operator will assist you through the remaining steps of the e-KYC process
Steps to update face authentication-based e-KYC
Follow these steps to verify your identity using facial recognition on your mobile device:
- Install both the PM-Kisan app and the Aadhaar Face RD app from the Google Play Store
- Open the PM-Kisan app and log in using your registered mobile number
- Find the beneficiary status page and see if your e-KYC is complete
- If it says "No" for e-KYC, click the "e-KYC" option to begin verification
- Enter your Aadhaar number and grant permission to scan your face
- Once your face scan is successful, your e-KYC verification will be finished
Once you complete eKYC using your PM Kisan Aadhaar number, the updated information usually appears in your beneficiary status within 24 hours. Farmers can check this through the KYS module on the PM Kisan portal or by using Kisan eMitra, the PM Kisan AI-based chatbot. These digital options make it easy to stay informed without visiting government offices.
This multi-channel eKYC system improves access for farmers across the country and ensures smooth delivery of PM Kisan Samman Nidhi benefits. Having a verified and updated PM Kisan profile can also be helpful when applying for financial products such as agricultural credit or even a personal loan, as it reflects stable income support from the government. Overall, the system promotes transparency, accountability, and financial confidence for farmers.
Also check
Top reasons behind PM Kisan payment delays
- Aadhaar mismatch: Discrepancies in your PM Kisan Aadhaar number may lead to failures in payment processing.
- Incomplete registration: Missing or incorrect details in your application can delay fund transfers.
- Bank account issues: Errors in your bank account details or inactive accounts can result in rejected payments.
- Missing status checks: Failing to perform a regular PM Kisan status check using Aadhaar Card can delay updates to your payment details.
- Document verification delays: Incomplete or pending document verification may cause unnecessary holdups for beneficiaries.
Key offerings: 3 loan types
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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