Krishi Rinn Yojana

Krishi Rinn Yojana is a government scheme that offers loans to farmers to provide affordable credit to cultivators in Arunachal Pradesh. Introduced by the state government in partnership with banks, it focuses on helping farmers access short-term crop loans at very low interest, or even zero interest, if repayment is made on time. This initiative reduces the dependency of rural farmers on informal lenders and supports agriculture by offering timely financial assistance.

The Chief Minister’s Krishi Rinn Yojana was launched by the Government of Arunachal Pradesh to improve credit availability for farmers. It works alongside the Central Government’s interest subvention scheme to make short-term loans more affordable for small and marginal farmers.

Here are the key details of the scheme:

This combined interest support from both governments helps the farmer by reducing the actual cost of borrowing to zero, as long as the repayment is on time.

The Chief Minister's Krishi Rinn Scheme provides several advantages to farmers who need access to funds for cultivation. Here are the main features and benefits:

Zero Interest for Timely Repayment
Farmers who repay their loan on time receive an interest subsidy of up to 7% (4% central + 3% state), which brings the effective interest rate down to 0%.

Support Up to ₹3 Lakhs
The scheme allows farmers to take loans of up to ₹3 Lakhs, which can be used for crop-related expenses such as seeds, fertilisers, irrigation, and labour.

Encourages Financial Discipline
The 0% interest reward motivates farmers to repay their loans promptly and builds better credit history for future borrowings.

Improved Access to Formal Credit
Many farmers in remote areas depend on informal moneylenders. This scheme makes it easier to access bank loans through formal channels.

Boost to Agricultural Productivity
With timely financial support, farmers can make better use of inputs and improve their yield and income.

Benefit to All Districts
The scheme covers all districts in Arunachal Pradesh and is open to any eligible farmer who meets the criteria.

To apply for the Krishi Rinn Yojana, the farmer must meet the following conditions:

• Must be a resident of Arunachal Pradesh
  

• Should be a registered farmer, part of a Self-Help Group (SHG), or a recognised farmer organisation
  

• The loan should be taken specifically for seasonal crop production or allied farming activities
  

• The applicant must not be a loan defaulter at the time of application
  

• The applicant’s bank account should be KYC-compliant
  

• A valid Kisan Credit Card (KCC) must be held by the applicant

Not all applicants will qualify under this scheme. The following are excluded:

• Loan defaulters or those with a history of non-repayment
  

• Individuals who are not residents of Arunachal Pradesh
  

• Loans taken for non-agricultural purposes, such as personal consumption or business investments
  

• Applicants who do not have a Kisan Credit Card
  

• Large commercial farmers or those running agribusinesses that do not align with the scheme’s objectives

To benefit from the Chief Minister’s Krishi Rinn Scheme, farmers must provide these documents:

• Completed loan application form
  

• Aadhaar card or other ID proof
  

• Land ownership certificate or lease agreement
  

• Kisan Credit Card (KCC) copy
  

• Residence certificate of Arunachal Pradesh
  

• Bank passbook or statement (with KYC)
  

• Passport-size photographs
  

Ensure that the documents are current and properly signed or attested where required.

To apply for the Krishi Rinn Yojana scheme, eligible farmers in Arunachal Pradesh can follow this step-by-step online and offline process:

1. Download the Application Form
   Begin by downloading the official application form from your district website or the East Siang portal. Print it out and fill in your details carefully.
   

2. Get the Land Holding Certificate
   You will also need to obtain a Land Holding Certificate. This can be downloaded online, or collected in person from the office of your local Circle Officer (CO), Extra Assistant Commissioner (EAC), Block Development Officer (BDO), Sub-Divisional Officer (SDO), Additional Deputy Commissioner (ADC), or Deputy Commissioner (DC).
   

3. Verification by the Circle Officer
   Once you have the land certificate, submit it to your Circle Officer. The officer will verify and confirm that you are in lawful possession of agricultural land within the state.
   

4. Ensure You Have a Kisan Credit Card (KCC)
   Only farmers who hold a valid Kisan Credit Card are eligible under this scheme. If you do not yet have one, visit your bank to apply for a KCC first.
   

5. Apply for the Crop Loan at Your Bank
   After the verification process is complete and you have your KCC, you can apply for a short-term crop loan at any authorised bank under the Krishi Rinn Yojana. Submit your filled application form and the verified land holding certificate at the bank.

The scheme is designed to be smooth and farmer-friendly, with both offline support and online document access available. You may also seek help from local agriculture officers or Krishi Vigyan Kendras for guidance on the application process.

The Krishi Rinn Yojana is a meaningful effort by the government to offer support to farmers in the state of Arunachal Pradesh by offering credit at minimal or zero cost. With interest benefits and a simple application process, the scheme ensures that small and marginal farmers can get the help they need at the right time. It not only promotes responsible borrowing but also encourages better farming practices. As a farmer, if you are looking for short-term support to improve your crop yield and income, this scheme can be a helpful option.