PM Modi Disburses 19th Instalment of PM-KISAN Scheme in Bhagalpur

During the event over 9.8 crore farmers including 2.41 crore female farmers across the country will be benefitted through the 19^th instalment release, receiving direct financial assistance exceeding ₹22,000 crore through Direct Benefit Transfer (DBT) without the involvement of any middlemen, reinforcing the Government’s commitment to farmer welfare and agricultural prosperity. With this instalment, the scheme will support farmers nationwide and further reaffirm the government’s commitment to rural development and agricultural prosperity.

Previously, Prime Minister Shri Narendra Modi released the 18th instalment of the Pradhan Mantri Kisan Samman Nidhi (PM-KISAN) scheme on 5th October 2024 in Washim, Maharashtra. This significant event witnessed over 9.4 crore farmers across the country receiving direct financial benefits, amounting to more than ₹20,000 crore.

The PM-KISAN scheme is a central sector scheme launched in February 2019 by the Hon’ble Prime Minister to supplement the financial needs of land-holding farmers. Under the scheme, a financial benefit of Rs 6,000/- per year is transferred in three equal instalments, into the Aadhaar seeded bank accounts of farmers through Direct Benefit Transfer (DBT) mode.

A farmer-centric digital infrastructure has ensured the benefits of the scheme reach all farmers across the country without the involvement of any middlemen. Maintaining absolute transparency in registering and verifying beneficiaries, the Government of India has disbursed over Rs 3.46 lakh Cr. in 18 instalments since inception, as of February 2025.

Objectives

Intending to augment the income of the Small and Marginal Farmers (SMFs), the PM-KISAN scheme aims to:

• Supplement the financial needs of the SMFs in procuring various inputs to ensure proper crop health and appropriate yields, commensurate with the anticipated farm income at the end of each crop cycle.
• This would also protect them from falling into the clutches of moneylenders to meet such expenses and ensure their continuance in farming activities.

Technological Advancements

To make the scheme more efficient, effective, and transparent, continuous improvements in a farmer-centric digital infrastructure have been made to ensure the benefits of the scheme reach all the farmers across the country without any middleman involvement.

The PM-KISAN mobile app was launched on 24th February 2020. This has been developed with an emphasis on greater transparency and to reach more farmers. The PM-KISAN mobile app servers a simple and efficient extension to the PM-KISAN web portal. In 2023, the app was launched with an additional “Face Authentication Feature”. This enabled remote farmers to do e-KYC by scanning their faces without OTP or fingerprint.

The portal and mobile app offer services like self-registration, benefit status tracking, and facial authentication-based e-KYC. Farmers in remote areas can complete e-KYC via face scans, with provisions to assist neighbours.

Over 5 lakh Common Service Centres (CSCs) have been onboarded to facilitate registrations and meet mandatory requirements. Additionally, a robust grievance redressal system was established on the portal, and an AI chatbot, Kisan-eMitra, launched in September 2023, provides instant query resolution in local languages regarding payments, registration, and eligibility. Farmers can also assist 100 other farmers in their neighbourhood to complete e-KYC at their doorstep. In addition, the Government of India has also extended the facility for completing e-KYC of farmers to State Government officials, allowing each official to do an e-KYC for 500 farmers.

PM-KISAN AI CHATBOT

In 2023, an AI Chatbot was launched for the PM-KISAN scheme, becoming the first AI chatbot integrated with a major flagship scheme of the Union government. The AI Chatbot provides farmers with prompt, clear, and accurate responses to their queries. It has been developed and improved with the support of the EKstep Foundation and Bhashini. The introduction of the AI chatbot in the PM-KISAN grievance management system is aimed at empowering farmers with a user-friendly and accessible platform.

The AI Chatbot, accessible through the PM KISAN mobile app, is integrated with Bhashini, which offers multilingual support, catering to the linguistic and regional diversity of the PM KISAN beneficiaries. ‘Digital India BHASHINI’ seeks to enable easy access to the internet and digital services in Indian languages, including voice-based access, and help the creation of content in Indian languages. This integration of advanced technology will not only enhance transparency but will also empower farmers to make informed decisions.

Additionally, the Department of Posts offers the facility of linking/updating mobile numbers with Aadhaar for farmers benefiting from the PM KISAN scheme. This is to complete e-KYC, through India Post Payment Bank.

Mandatory information required to enrol in the scheme:

• Farmer’s / Spouse’s name
• Farmer’s / Spouse’s date of birth
• Bank account number
• IFSC/ MICR Code
• Mobile Number
• Aadhaar Number
• Other customer information is available in the passbook which is required for mandate registration

Impact and Achievements

• Since its inception, the Government of India has disbursed over Rs 3.46 lakh Cr. in 18 instalments.
• A significant saturation drive launched in November 2023 under the Viksit Bharat Sankalp Yatra added over 1 crore eligible farmers to the scheme.
• An additional 25 lakh farmers were included within the first 100 days of the subsequent government in June 2024. As a result, the number of beneficiaries receiving the 18th instalment increased to 9.59 crore.
• The scheme has a wide reach across various states. For instance, during the 18th instalment (August 2024 – November 2024), Uttar Pradesh had the highest number of beneficiaries at 2,25,78,654, followed by Bihar with 75,81,009 beneficiaries.

A promising journey

An independent study conducted by the International Food Policy Research Institute (IFPRI) in 2019, found that PM-KISAN funds boosted rural economic growth, eased farmers’ credit constraints, and increased agricultural input investments. Further, the scheme has enhanced farmers’ risk-taking capacity, leading them to undertake riskier but comparatively productive investments. The funds received by recipients under PM-KISAN are not only helping them with their agricultural needs, but it is also catering to their other expenses such as education, medical, marriage, etc. These are the indicators of the positive impact of the scheme on the farmers of the country. PM KISAN has truly been a game changer for the farming community of our country.