Flagship Agriculture Schemes & Parameter Matrix
Banking examinations rigorously test financial limits, beneficiary criteria, and premium sharing percentages.
| Scheme Name | Annual Outlay / Benefit | Key Operational Criteria |
|---|---|---|
| PM-KISAN | ₹6,000 per year in 3 tranches | Direct benefit transfer of ₹2,000 every 4 months to all landholding farmer families |
| PMFBY (Crop Insurance) | 1.5% Rabi / 2.0% Kharif / 5.0% Comm. | Maximum farmer premium rate; remainder subsidized 50:50 by Centre and States |
| Agri Infrastructure Fund (AIF) | ₹1 Lakh Crore credit facility | 3% per annum interest subvention up to ₹2 Crore for a maximum of 7 years |
| KCC Interest Subvention | 7% effective loan rate up to ₹3 Lakh | 3% Prompt Repayment Incentive (PRI), bringing effective interest rate down to 4% p.a. |
| Pradhan Mantri Krishi Sinchayee Yojana | Per Drop More Crop component | Micro-irrigation subsidy: 55% for Small/Marginal farmers, 45% for Other farmers |
High-Yield Scheme Questions for Fast Revision
Review these recurring scheme parameters frequently tested in IBPS AFO:
Key Exam Takeaways:
- Priority Sector Lending (PSL) target for Domestic Commercial Banks: 18% of ANBC for Agriculture, with 10% sub-target for Small and Marginal Farmers (SMFs).
- National Beekeeping & Honey Mission (NBHM): Implemented under the National Bee Board (NBB) for Sweet Revolution.
- Sub-Mission on Agricultural Mechanization (SMAM): Up to 50% subsidy on establishment of Custom Hiring Centres (CHCs).
- Soil Health Card (SHC) cycle: Soil samples collected and analyzed every 3 years for 12 macro and micronutrient parameters.
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