PM-Kisan Calculator India โ FY 2025-26
Calculate your PM-Kisan Samman Nidhi benefits (₹6,000/year), check eligibility against all exclusion categories, and see total government support by combining PM-Kisan with PM Fasal Bima Yojana and Kisan Credit Card interest subvention.
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How to Use This Calculator
PM-Kisan Benefits tab
Select your beneficiary status (active, new, pending, or rejected) and enter your land holding in hectares. The calculator shows your annual benefit of ₹6,000, the instalment schedule for FY 2025-26, and an estimate of total benefits received since your registration year. Active beneficiaries can see which instalments have been received and which are upcoming.
Eligibility Check tab
Go through the 10-point checklist covering all requirements and exclusion categories. Confirm each item — the calculator will tell you if you qualify for PM-Kisan or which criteria are not met. Each item includes detailed guidance explaining the rule, exceptions (e.g., Group D employees ARE eligible), and what to do if you don’t meet a criterion.
PM-Kisan + Other Schemes tab
Calculate the total government support you can receive by combining PM-Kisan with PM Fasal Bima Yojana (crop insurance) and Kisan Credit Card interest subvention. Enter your KCC loan amount and crop insurance details to see the combined annual benefit from all three schemes.
Share your result
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The Formula
PM-Kisan is a direct income support scheme — no complex formula, but here is how the benefits work:
Annual Benefit = ₹2,000 × 3 instalments = ₹6,000/year
Instalment Schedule:
• Instalment 1: April – July (₹2,000)
• Instalment 2: August – November (₹2,000)
• Instalment 3: December – March (₹2,000)
Total since registration:
Total Received = ₹6,000 × Number of years as beneficiary
KCC Interest Subvention:
Bank Interest Rate: ~7–9% p.a.
Govt Subvention: 2% (to bank)
Prompt Repayment Bonus: 3% (if repaid on time)
Effective Rate = Bank Rate − 2% − 3% = as low as 4% p.a.
(Applies only on crop loans up to ₹3,00,000)
PMFBY Farmer Premium:
Kharif crops: 2% of sum insured
Rabi crops: 1.5% of sum insured
Horticulture/commercial crops: 5% of sum insured
Remaining actuarial premium: shared equally by Centre and State
Example
Suresh — Small farmer, 1.5 hectares, registered since FY 2019-20
Suresh (48) is a small farmer in Madhya Pradesh with 1.5 hectares (3.7 acres) of land. He grows wheat (Rabi) and soybean (Kharif). He registered for PM-Kisan in FY 2019-20 and has been receiving benefits since. He also has a Kisan Credit Card loan of ₹1,50,000 at 9% interest and pays ₹3,000 as his PMFBY premium for ₹2,00,000 coverage.
PM-Kisan Benefits
KCC Interest Subvention
Total Government Support
Suresh receives ₹13,500 in annual government support just from PM-Kisan and KCC interest subvention, plus ₹2,00,000 in crop insurance coverage at a subsidized premium. All three schemes work together to provide a safety net.