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The Pradhan Mantri Kisan Samman Nidhi (PM-Kisan) Yojana stands as a testament to the Indian government's commitment to bolstering the financial stability of its agricultural community. Launched with the noble objective of providing direct financial assistance to landholding farmers across the nation, the PM-Kisan scheme embodies a significant step towards empowering those who toil the land and contribute significantly to the country's food security. Under this scheme, eligible farmers receive an annual sum of Rs 6,000, disbursed in three equal installments of Rs 2,000 each. These installments are directly credited to the farmers' Aadhaar-enabled bank accounts through the Direct Benefit Transfer (DBT) mechanism, ensuring transparency and efficiency in the distribution process. This direct financial support aims to alleviate the financial burdens faced by farmers, enabling them to invest in better agricultural practices, purchase essential inputs, and improve their overall livelihoods. The scheme is particularly crucial for small and marginal farmers, who often struggle to access credit and resources necessary for sustainable agriculture. By providing a reliable source of income, the PM-Kisan Yojana empowers these farmers to enhance their productivity, adopt modern farming techniques, and improve their resilience to economic shocks. The scheme also promotes financial inclusion by encouraging farmers to open bank accounts and utilize digital payment methods. This not only streamlines the disbursement process but also enhances financial literacy among the rural population. Moreover, the PM-Kisan Yojana fosters a sense of security and empowerment among farmers, motivating them to continue their vital role in feeding the nation. The government's unwavering commitment to the scheme underscores its recognition of the crucial role played by farmers in the country's economy and its dedication to improving their well-being. The implementation of the PM-Kisan Yojana has been a complex undertaking, requiring meticulous planning and coordination between various government agencies. The process of identifying eligible beneficiaries and ensuring accurate disbursement of funds has involved extensive data collection and verification efforts. However, the government has continuously strived to refine the implementation process and address any challenges that may arise. The use of technology, such as Aadhaar-based authentication and DBT, has played a pivotal role in ensuring transparency and efficiency in the scheme's operations. Regular monitoring and evaluation are also conducted to assess the scheme's impact and identify areas for improvement. The PM-Kisan Yojana represents a significant investment in the agricultural sector and a tangible demonstration of the government's commitment to supporting the livelihoods of farmers across the nation. By providing direct financial assistance, promoting financial inclusion, and fostering a sense of security, the scheme is contributing to a more prosperous and sustainable agricultural future for India.
The introduction of Electronic Know Your Customer (e-KYC) as a mandatory requirement for all PM-Kisan registered farmers marks a significant step towards enhancing transparency and accountability in the scheme's implementation. e-KYC serves as a crucial safeguard against fraudulent activities and ensures that the benefits of the scheme reach the intended beneficiaries. By verifying the identities of farmers through electronic means, the e-KYC process eliminates the need for intermediaries and reduces the risk of misappropriation of funds. This not only strengthens the integrity of the scheme but also ensures that the financial assistance reaches the deserving farmers in a timely and efficient manner. The e-KYC process involves the electronic verification of a farmer's identity using their Aadhaar number and other relevant details. This information is then cross-checked with government databases to confirm the farmer's eligibility for the PM-Kisan scheme. The e-KYC process is designed to be simple and user-friendly, allowing farmers to complete it easily through various online and offline channels. The government has also implemented measures to assist farmers who may face difficulties in completing the e-KYC process, such as providing support through Common Service Centres (CSCs) and State Seva Kendras (SSKs). The mandatory e-KYC requirement underscores the government's commitment to ensuring that the PM-Kisan scheme is implemented in a transparent and accountable manner. By verifying the identities of beneficiaries and preventing fraudulent activities, the e-KYC process protects the integrity of the scheme and ensures that the financial assistance reaches the farmers who truly need it. The e-KYC initiative is also aligned with the government's broader efforts to promote digital governance and enhance the efficiency of public service delivery. By leveraging technology to streamline the verification process, the e-KYC initiative reduces the administrative burden on government agencies and ensures that resources are utilized effectively. Moreover, the e-KYC process contributes to financial inclusion by encouraging farmers to adopt digital payment methods and access banking services. This not only facilitates the disbursement of PM-Kisan benefits but also promotes financial literacy and empowers farmers to manage their finances more effectively. The e-KYC initiative represents a significant advancement in the implementation of the PM-Kisan scheme, enhancing transparency, accountability, and efficiency in the delivery of financial assistance to farmers. By verifying the identities of beneficiaries and preventing fraudulent activities, the e-KYC process safeguards the integrity of the scheme and ensures that the benefits reach the deserving farmers in a timely and efficient manner.
Recognizing the importance of accessibility and convenience, the government has implemented multiple methods for farmers to complete their e-KYC, catering to diverse technological capabilities and geographical locations. Farmers can choose from three primary methods: OTP-based e-KYC, biometric-based e-KYC, and face authentication-based e-KYC. The OTP-based e-KYC method is the simplest and most convenient option, allowing farmers to complete the process online through the PM-Kisan portal or mobile app. Farmers simply need to enter their Aadhaar number and submit the One-Time Password (OTP) received on their registered mobile number to complete the verification process. This method is particularly suitable for farmers who have access to smartphones and internet connectivity. The biometric-based e-KYC method is available at Common Service Centres (CSCs) and State Seva Kendras (SSKs) across the country. This method is designed for farmers who may not have access to smartphones or internet connectivity, or who may prefer to complete the e-KYC process offline. Farmers can visit their nearest CSC/SSK with their Aadhaar card and provide their Aadhaar-linked mobile number. The CSC/SSK operator will then assist them in performing biometric verification using their fingerprint or iris scan. The face authentication-based e-KYC method is the most innovative and convenient option, allowing farmers to complete the e-KYC process using just their smartphones. Farmers need to download the PM-Kisan Mobile App and Aadhaar Face RD app from the Google Play Store. After logging in using their PM-Kisan registered mobile number, they can check their e-KYC status on the beneficiary page. If the status shows “No”, they can click on ‘e-KYC’, enter their Aadhaar number, and provide consent. The app will then scan their face using the smartphone's camera, and upon successful verification, their e-KYC will be complete. This method is particularly beneficial for farmers who may have difficulty with fingerprint authentication due to manual labor or other factors. The availability of multiple e-KYC methods ensures that all farmers, regardless of their technological capabilities or geographical location, have access to a convenient and user-friendly way to complete the verification process. The government's commitment to providing diverse options underscores its dedication to ensuring that the PM-Kisan scheme benefits all eligible farmers across the nation. By simplifying the e-KYC process and making it accessible to all, the government is promoting greater transparency, accountability, and efficiency in the implementation of the PM-Kisan scheme.
The proactive measures taken by the government to facilitate e-KYC completion extend beyond providing multiple methods for farmers. Recognizing the potential challenges faced by farmers in accessing technology or navigating the e-KYC process, the government has implemented additional initiatives to ensure widespread participation. One such initiative is the authorization of state government officials to complete e-KYC for farmers. This allows government officials to visit farmers in their villages or at designated locations and assist them in completing the e-KYC process. Each official is authorized to complete e-KYC for up to 500 farmers, significantly expanding the reach and accessibility of the program. This initiative is particularly beneficial for farmers in remote or underserved areas who may lack access to CSCs/SSKs or reliable internet connectivity. By bringing the e-KYC process directly to the farmers, the government is eliminating barriers and ensuring that all eligible beneficiaries can participate in the PM-Kisan scheme. Furthermore, the government has encouraged farmers to assist their neighbors in completing e-KYC. Farmers who are familiar with the e-KYC process can help their fellow farmers navigate the online portals or mobile apps, providing guidance and support. This peer-to-peer assistance fosters a sense of community and empowers farmers to take ownership of the e-KYC process. The government's emphasis on community involvement underscores its commitment to creating a collaborative and inclusive environment for the implementation of the PM-Kisan scheme. By encouraging farmers to help each other, the government is promoting greater participation and ensuring that no eligible beneficiary is left behind. In addition to these initiatives, the government has also launched awareness campaigns to educate farmers about the importance of e-KYC and the various methods available for completing the process. These campaigns utilize various channels, including television, radio, print media, and social media, to reach farmers across the nation. The awareness campaigns aim to dispel any misconceptions about e-KYC and encourage farmers to take prompt action to complete the verification process. The government's multifaceted approach to facilitating e-KYC completion reflects its commitment to ensuring that the PM-Kisan scheme benefits all eligible farmers across the nation. By providing multiple methods, authorizing government officials, encouraging community involvement, and launching awareness campaigns, the government is creating a supportive and inclusive environment for the successful implementation of the e-KYC initiative.
Source: Not received PM Kisan 19th instalment? Get this money in your bank account after doing e-KYC