“Navigating the Government Connect: Unlock Grants, Subsidies, Policy Alignment & Zero-Cost Growth Opportunities”
Budget 2025-26: MINISTRY OF AGRICULTURE AND FARMERS WELFARE; DEMAND NO. 1; Department of Agriculture and Farmers Welfare…
8. Pradhan Mantri Kisan Samman Nidhi (PM-Kisan):..Pradhan Mantri Kisan Samman Nidhi Scheme aims to supplement financial needs of land holding farmers subject to exclusions. Under the scheme, financial benefit of Rs 6000 per year is transferred in three equal four monthly installments into the bank accounts of farmers families across the country through Direct Benefit Transfer mode.
Part 1: Salient Features (2025-26)
• Financial Outlay: ₹63,500 crore (₹61,000 crore disbursed)
• Coverage: 9.5 crore farmers enrolled
• Key Metrics:
o 100% beneficiaries use funds for agri/domestic needs
o 75% farmers spend on agricultural inputs
• Tech Stack: Aadhaar-linked DBT, PM-KISAN portal
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Part 2: Startup Opportunities
1. Agri-Input Vouchers
o Opportunity: Convert DBT into digital vouchers for seeds/fertilizers.
o Alignment: Ensures 75% input spending (scheme KPI).
2. Embedded BNPL for Farmers
o Opportunity: Offer credit against future PM-KISAN installments.
o Alignment: Leverages assured cashflow of ₹6,000/year.
3. Neobanking for Landholders
o Opportunity: PM-KISAN-specific accounts with auto-FD sweeps.
o Alignment: Targets 100% financial inclusion.
4. Land Record AI Verification
o Opportunity: Reduce enrollment fraud via document validation.
o Alignment: Supports 9.5 crore beneficiary target.
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Part 3: Founder’s Action Plan
1. Agri-Input Vouchers
• Step 1: Partner with IFFCO/KRIBHCO retailers.
• Step 2: Pilot in Pune/Ludhiana.
• Step 3: Monetize via 1% margin on input sales.
2. Embedded BNPL
• Step 1: Use NABARD SHG-BLP for credit scoring.
• Step 2: Onboard 10,000 agro-dealers.
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Cross-Cutting Strategies
• Regulatory: RBI’s PAISA framework for agri-payments.
• Funding: DFS’s ₹1,000 crore Agri-Tech Fund.
• Pilots: Target high-DBT states (AP, MP).
