Pradhan Mantri Krishi Sinchayee Yojana (PMKSY) - Guide, Benefits & Loans

The Pradhan Mantri Krishi Sinchayee Yojana (PMKSY), launched in 2015, is a government initiative aimed at ensuring water security for Indian farmers. Its primary goal is to expand the coverage of irrigation facilities and improve water efficiency in agriculture. By integrating various water management and irrigation practices, PMKSY seeks to address the critical challenges of water scarcity and uneven irrigation distribution.

The scheme operates under the vision of "Har Khet Ko Paani" (Water for Every Farm) and "Per Drop More Crop," promoting sustainable agricultural practices and enhancing crop productivity. PMKSY also emphasises the need for water conservation through micro-irrigation systems such as drip and sprinkler irrigation.

With its multifaceted approach, PMKSY aims to transform Indian agriculture by reducing dependency on monsoons and ensuring year-round water availability for farming. This initiative is a significant step toward achieving agricultural sustainability and improving the livelihoods of farmers across the country.

The primary objectives of the Pradhan Mantri Krishi Sinchayee Yojana include:

• Expanding irrigation coverage to ensure water reaches every farm (Har Khet Ko Paani).
• Promoting water conservation and efficient water use through micro-irrigation techniques.
• Reducing dependency on monsoons by creating sustainable water resources.
• Improving agricultural productivity by ensuring the availability of water throughout the year.
• Integrating multiple water management practices to maximise water resource utilisation.
• Enhancing farmer income by reducing irrigation costs and improving crop yields.
• Encouraging the adoption of modern irrigation technologies like drip and sprinkler systems.

PMKSY components: Ahar Khet, Har Khet Paani

The PMKSY scheme is structured into several components to address different aspects of irrigation and water management. The two key components are:

1. Ahar Khet (Per Drop More Crop)

This component focuses on improving water use efficiency at the farm level. It promotes micro-irrigation techniques such as:

• Drip irrigation: Directly delivers water to plant roots, minimising wastage.
• Sprinkler irrigation: Distributes water evenly across fields, reducing water consumption.

Benefits of Ahar Khet:

• Significant reduction in water wastage.
• Improved crop productivity with precise water delivery.
• Lower irrigation costs for farmers.

2. Har Khet Paani (Water for Every Farm)

This component ensures equitable distribution of water to all agricultural fields. It includes initiatives such as:

• Construction of water harvesting structures like check dams and ponds.
• Development of irrigation canals and field channels.
• Rejuvenation of traditional water bodies.

Benefits of Har Khet Paani:

• Increased irrigation coverage across the country.
• Reduced dependency on rainfall for farming.
• Enhanced groundwater recharge and water storage capacity.

Eligibility for Pradhan Mantri Krishi Yojana benefits

To avail of benefits under PMKSY, farmers must meet the following eligibility criteria:

How to apply for PM Krishi Sinchayee Yojana online

Farmers can apply for PMKSY benefits online through the official government portal. Follow these steps to complete the application process:

1. Visit the official PMKSY website: Navigate to the designated government portal for PMKSY applications.
2. Register yourself: Create an account using your mobile number and Aadhaar details.
3. Log in to your account: Use your registered mobile number and OTP to access the portal.
4. Fill out the application form: Provide details such as land records, crop type, and irrigation requirements.
5. Upload required documents: Attach scanned copies of necessary documents like Aadhaar, bank details, and land ownership proof.
6. Submit the application: Review the form and submit it for verification.
7. Track your application status: Use the portal to monitor the progress of your application.

Documents required for PMKSY application

Ensure you have the following documents ready when applying for PMKSY:

• Aadhaar card (for identity verification).
• Land ownership documents (to prove eligibility).
• Bank account details (for subsidy disbursement).
• Water availability certificate (if applicable).
• Proof of micro-irrigation system installation (for relevant subsidies).

Subsidies and financial benefits under PMKSY

The table below outlines the subsidies and financial assistance available under PMKSY:

Bajaj Finserv offers tailored financial solutions to support farmers in implementing PMKSY-compatible irrigation systems. These loans are designed to ease the financial burden of adopting advanced irrigation technologies.

Features of Bajaj Finserv loans:

• Flexible repayment options: Choose EMI plans that suit your cash flow.
• Quick disbursal: Get funds directly into your bank account within a short time.
• Minimal documentation: Simplified application process with easy document submission.

How to apply for a Bajaj Finserv loan:

1. Log in to the Bajaj Finserv customer portal using your registered mobile number.
2. Navigate to the loan application section and select "Irrigation Loans."
3. Fill in the required details and upload supporting documents.
4. Submit your application and track its status online.

PMKSY vs other irrigation schemes