Chief Minister’s Krishi Rinn Yojana (CMKRY) is a farmer-focused crop credit support scheme implemented by the Department of Finance, Government of Arunachal Pradesh. Through this scheme, eligible farmers can receive a 4% State Government interest subvention on crop loans and Kisan Credit Card (KCC) limits of up to Rs. 3 lakh, along with an additional 3% incentive for timely repayment. By combining these benefits with existing Central Government support, farmers may substantially reduce their borrowing cost and, in eligible cases, avail near zero-interest crop credit. Applications are processed through the local revenue authorities and participating bank branches.
Arunachal Pradesh Chief Minister’s Krishi Rinn Yojana (CMKRY) Highlights | |
|---|---|
| Scheme Name | Chief Minister’s Krishi Rinn Yojana (CMKRY) |
| Launch Date | 1 April 2017 |
| Implementing Department | Department of Finance, Government of Arunachal Pradesh |
| Nodal Banking Partner | NABARD (Interest Subvention Reimbursement) |
| Objective | Provide affordable short-term agricultural credit to farmers |
| State Interest Benefit | 4% interest subvention on eligible crop loans/KCC limits |
| Additional Incentive | 3% interest relief for timely repayment within one year |
| Maximum Eligible Loan Limit | Rs. 3 lakh |
| Eligible Beneficiaries | Owner cultivators, tenant farmers, oral lessees, share croppers, SHGs, and JLGs |
| Eligible Credit Facility | Kisan Credit Card (KCC) and short-term crop production loans |
| Crops Covered | Short-term seasonal crops and related agricultural activities |
| Not Covered | Perennial food crops and plantation crops |
| Key Document | Land Holding Certificate issued by the competent authority |
| Documentation Requirement | One-time documentation at first availment; simple crop declaration in subsequent years |
| Processing Fee | Nil for eligible limits up to Rs. 3 lakh |
| Original Annual Target | 7,500 farmers |
| Scheme Validity | Originally notified for 5 years, subject to annual review |
| Application Mode | Offline through revenue authorities and participating banks |
| Participating Banks | Commercial Banks, Arunachal Pradesh Rural Bank (APRB), and APSCAB Ltd. |
| Official State Portal | arunachalpradesh.gov.in |
Introduction of Arunachal Pradesh Chief Minister’s Krishi Rinn Yojana: A Brief Insight
For many farmers in Arunachal Pradesh, arranging money for seeds, fertilizers, labour, and other cultivation expenses before every cropping season can be a major challenge. While crop loans help meet these needs, the interest payable on such loans often increases the financial burden, especially for small and marginal farmers. To make agricultural credit more affordable and encourage timely repayment, the Government of Arunachal Pradesh launched the Chief Minister’s Krishi Rinn Yojana (CMKRY) on 1 April 2017.
The scheme is implemented by the Department of Finance, Government of Arunachal Pradesh, in coordination with participating banks and NABARD. Its primary objective is to ensure that farmers can access short-term agricultural credit at a much lower cost for cultivation, post-harvest activities, produce marketing, and certain allied agricultural activities.
One of the biggest advantages of CMKRY is that it provides an additional 4% interest subvention on eligible crop loans and Kisan Credit Card (KCC) limits of up to Rs. 3 lakh. This benefit is provided over and above the interest support already available under Central Government programmes. Farmers who repay their loan within the prescribed period also become eligible for an additional 3% prompt repayment incentive.
When both benefits are combined, the total interest relief can reach 7%, which may reduce the farmer’s effective interest burden to almost zero, subject to applicable banking norms and timely repayment. This makes CMKRY one of the most farmer-friendly agricultural credit support initiatives in the state.
The scheme covers short-term seasonal crop cultivation and related agricultural requirements. However, loans taken for perennial food crops and plantation crops are not eligible for interest subvention under CMKRY. Another farmer-friendly feature is that complete documentation is generally required only during the first application, while subsequent renewals usually require only a simple crop declaration.
Owner cultivators, tenant farmers, oral lessees, share croppers, Self-Help Groups (SHGs), and Joint Liability Groups (JLGs) engaged in farming activities in Arunachal Pradesh can avail benefits under the scheme. To apply, farmers must first obtain a Land Holding Certificate from the competent revenue authority and then approach a participating bank branch for a Kisan Credit Card (KCC) or short-term crop loan.
Farmers can also explore the Central Government’s Kisan Credit Card (KCC) Scheme, which serves as the primary credit platform through which CMKRY benefits are generally delivered. Those seeking direct income support may additionally benefit from the PM Kisan Samman Nidhi Yojana, while the Pradhan Mantri Fasal Bima Yojana (PMFBY) can help protect crops against losses caused by natural calamities and adverse weather conditions.
Farmers and citizens interested in exploring more agriculture, rural development, and welfare programmes available in the state can visit our dedicated Arunachal Pradesh Government Welfare Schemes section for detailed information on various government initiatives.
Benefits Provided to Eligible Beneficiaries
Arunachal Pradesh Pradesh Government in partnership with participating banks and NABARD, extends interest support and affordable agricultural credit to eligible farmers under the Chief Minister’s Krishi Rinn Yojana (CMKRY).
Interest Subvention Benefits
- 4% State Interest Subvention on Kisan Credit Card (KCC) and eligible crop loans up to Rs. 3 lakh, over and above the interest support already provided by the Government of India
- Additional 3% Prompt Repayment Incentive for farmers who repay their short-term crop loan within the prescribed period of one year
- Total interest relief of up to 7% for eligible borrowers who maintain timely repayment
Effective Zero-Interest Crop Credit
- Farmers who qualify for both the State Government’s 4% subvention and the 3% prompt repayment incentive can substantially reduce their borrowing cost
- In many cases, the combined benefit may make the crop loan effectively interest-free for the borrower
- This benefit is available only when all scheme conditions, bank norms, and repayment timelines are fully complied with
- The interest relief is applicable only on eligible crop loans within the approved Rs. 3 lakh ceiling
Permitted Uses of Credit
- Crop cultivation and seasonal agricultural operations
- Purchase of seeds, fertilisers, pesticides, and other farm inputs
- Post-harvest expenses
- Agricultural produce marketing requirements
- Consumption needs linked to farming activities
- Maintenance of farm assets and allied activities such as dairy, poultry, fisheries, and livestock rearing
- Investment in agricultural and allied assets including pump sets, sprayers, dairy animals, and similar equipment
Additional Advantages for Farmers
- Easy access to institutional agricultural credit through the KCC framework
- Simplified documentation and renewal process
- Reduced dependence on informal lenders and high-interest borrowing
- Flexibility to operate the credit account through eligible bank branches
- Availability of a consumption credit component within the sanctioned limit
- Coverage under the Personal Accident Insurance Scheme (PAIS), as per applicable guidelines
- Timely availability of working capital for agricultural activities throughout the cropping season
What This Scheme Does Not Provide
- No direct cash assistance is transferred to farmers
- No loan waiver or debt write-off benefit
- No free seeds, fertilisers, machinery, or farm inputs
- No automatic sanction of the maximum Rs. 3 lakh credit limit
- No interest incentive for delayed repayment or ineligible loan categories
- No interest subvention for perennial or plantation crop loans covered outside the scheme provisions
Implementation Coverage
- The scheme was initially designed to benefit approximately 7,500 farmers annually
- District-wise and bank-wise performance is monitored through DLCC, DCC, and SLBC meetings
- Participating banks are expected to achieve assigned targets to ensure wider farmer coverage across the State
Eligibility Conditions Required to be Fulfilled
The Government of Arunachal Pradesh has prescribed the following eligibility conditions for farmers seeking benefits under the Chief Minister’s Krishi Rinn Yojana (CMKRY):
- Must be engaged in agricultural cultivation within Arunachal Pradesh
- Owner cultivators can apply individually or as joint borrowers
- Tenant farmers, oral lessees, and share croppers are also eligible
- Self-Help Groups (SHGs) and Joint Liability Groups (JLGs) of farmers can avail benefits under the scheme
- Must possess, or apply for, a valid Kisan Credit Card (KCC) or short-term crop production loan from a participating bank
- Must submit a valid Land Holding Certificate confirming possession of land and details of the crop being cultivated
Eligible Categories of Agricultural Credit
- Short-term crop cultivation loans
- Seasonal agricultural operations and input expenses
- Post-harvest expenditure requirements
- Agricultural produce marketing and related working capital needs
Who Is Not Eligible
- Borrowers seeking loans for perennial food crops or plantation crops, as these are excluded from the interest subvention benefit
- Farmers unable to furnish a valid Land Holding Certificate or approved proof of land possession
- Borrowers who fail to repay their loan as per bank norms or misuse the credit for non-agricultural purposes
- Applicants who do not obtain crop finance through an eligible KCC or short-term agricultural loan account
Documents Required to be Attached
To apply for financial assistance under the Chief Minister’s Krishi Rinn Yojana (CMKRY), farmers must submit a few basic documents to establish their identity, land cultivation status, and eligibility for crop credit. Keeping these documents ready in advance can help ensure quicker processing of the loan application.
- Land Holding Certificate issued by the Gaon Bura (GB) or the competent revenue authority (CO/EAC/BDO/SDO/ADC/DC), mentioning the area under cultivation and the crop proposed to be grown
- Aadhaar Card
- Aadhaar-linked bank account details
- Recent passport-size photographs
- Kisan Credit Card (KCC) details, if already available
- Crop cultivation and acreage details along with the proposed seasonal cropping plan
- Tenancy, lease, or cultivation-related documents for tenant farmers, oral lessees, and sharecroppers, wherever applicable
- Identity and supporting documents of joint applicants, co-borrowers, Joint Liability Groups (JLGs), or Self-Help Groups (SHGs), if applicable
How Beneficiaries Can Apply to Avail the Benefit of the Scheme
The application process under the Chief Minister’s Krishi Rinn Yojana (CMKRY) is simple and farmer-friendly. The scheme works through your local revenue authorities and participating banks. If you already cultivate land and need affordable crop credit, just follow the steps below.
Step 1: First, visit your nearest Circle Officer (CO), EAC, BDO, SDO, ADC, or DC office and apply for a Land Holding Certificate. This certificate confirms that you are cultivating land and specifies the crop and area under cultivation.
Step 2: Fill in the required details carefully, including your personal information, land details, and the crop you plan to grow. After verification, the concerned authority will issue the Land Holding Certificate.
Step 3: Once you receive the certificate, visit a participating bank such as a Commercial Bank, Arunachal Pradesh Rural Bank (APRB), or Arunachal Pradesh State Cooperative Apex Bank (APSCAB).
Step 4: Apply for a Kisan Credit Card (KCC) or a short-term crop production loan. Submit the required documents, including your Land Holding Certificate, Aadhaar Card, photographs, and bank account details.
Step 5: The bank will evaluate your application and calculate your eligible credit limit based on factors such as the cultivated area, crop type, Scale of Finance (SoF), post-harvest expenses, and farm maintenance requirements.
Step 6: After approval, the bank will sanction the crop loan and make the credit available through your KCC account. The sanctioned amount can be used for cultivation expenses, purchase of farm inputs, post-harvest activities, produce marketing, and other approved agricultural needs.
Step 7: Use the loan responsibly and only for agricultural purposes. Proper utilisation of the credit helps ensure continued eligibility for future benefits under the scheme.
Step 8: This is the most important step. Repay the short-term crop loan within the prescribed period of one year. Timely repayment allows you to receive the additional 3% prompt repayment incentive on top of the 4% State Government interest subvention, significantly reducing your borrowing cost.
Step 9: In subsequent years, you generally do not need to complete the entire documentation process again. You can continue availing crop credit by submitting a simple declaration regarding the crops being cultivated, subject to bank requirements.
Important: CMKRY does not provide direct cash assistance to farmers. The benefit comes in the form of interest relief on eligible crop loans. Farmers should also remember that the scheme is intended for short-term seasonal agricultural credit and does not cover perennial food crops or plantation crops under its interest subvention provisions.
Before Applying: Since the scheme is reviewed periodically by the Government of Arunachal Pradesh, farmers should confirm the latest guidelines, participating banks, interest benefits, and operational status of CMKRY with their nearest bank branch, District Agriculture Office, or local administrative authority before submitting an application.
Important Links Available of the Scheme
- Chief Minister’s Krishi Rinn Yojana District Lohit Official Page
- Chief Minister’s Krishi Rinn Yojana District West Kameng Official Page
- Chief Minister’s Krishi Rinn Yojana Itanagar Capital Complex Official Page
- Chief Minister’s Krishi Rinn Yojana Lower Dibang Valley Official Page
- Government of Arunachal Pradesh Official State Portal
Contact Details in Case of Help Needed
- Nodal Department: Department of Finance, Government of Arunachal Pradesh, Itanagar
- Field Support: Circle Officers, functioning as Financial Extension Officers for the scheme
- Channel Partner: NABARD (National Bank for Agriculture and Rural Development) — for reimbursement of interest subvention to banks
- Local Level: Contact your nearest Circle Officer (CO), EAC, BDO, SDO, ADC, or DC office for the Land Holding Certificate
- Bank Level: Visit any commercial bank, Arunachal Pradesh Rural Bank (APRB), or Arunachal Pradesh State Cooperative Apex Bank (APSCAB) branch for KCC/crop loan application
Frequently Asked Questions (FAQs)
Q. What is Chief Minister’s Krishi Rinn Yojana (CMKRY)?
Ans. Chief Minister’s Krishi Rinn Yojana (CMKRY) is a farmer-focused crop credit scheme launched by the Government of Arunachal Pradesh. The scheme helps eligible farmers access short-term agricultural loans through Kisan Credit Card (KCC) and crop loans while providing interest relief benefits, making agricultural credit more affordable and accessible.
Q. What is the main benefit available under CMKRY?
Ans. Under CMKRY, the State Government provides a 4% interest subvention on eligible crop loans up to Rs. 3 lakh. Farmers who repay their loan on time within the prescribed period can also receive an additional 3% interest relief, significantly reducing the overall borrowing cost.
Q. Can farmers get a zero-interest crop loan under this scheme?
Ans. Yes, in many cases the combined interest benefits can make the loan effectively interest-free. However, this benefit is available only when the farmer meets all scheme conditions, including timely repayment and use of the loan for eligible agricultural purposes.
Q. Who can apply for CMKRY?
Ans. Owner cultivators, joint borrowers, tenant farmers, oral lessees, share croppers, Self-Help Groups (SHGs), and Joint Liability Groups (JLGs) engaged in farming activities in Arunachal Pradesh can apply, subject to fulfillment of the prescribed eligibility conditions.
Q. Is a Land Holding Certificate mandatory?
Ans. Yes. A valid Land Holding Certificate issued by the competent authority is one of the key documents required for availing benefits under the scheme and for obtaining a KCC or crop loan.
Q. Which crops are covered under CMKRY?
Ans. The scheme primarily covers short-term seasonal crops and related agricultural activities. Benefits are also available for eligible cultivation expenses, post-harvest requirements, produce marketing, and certain allied agricultural activities.
Q. Are plantation crops and perennial crops eligible?
Ans. No. Loans sanctioned for perennial food crops and plantation crops are not eligible for interest subvention benefits under CMKRY.
Q. How can a farmer apply for CMKRY?
Ans. Farmers must first obtain a Land Holding Certificate from the concerned revenue authority and then visit a participating bank branch to apply for a Kisan Credit Card (KCC) or short-term crop loan. There is no separate application portal exclusively for CMKRY.
Q. Which banks participate in the scheme?
Ans. Eligible farmers can generally apply through participating commercial banks, Arunachal Pradesh Rural Bank (APRB), and Arunachal Pradesh State Cooperative Apex Bank (APSCAB) branches offering KCC and crop loan facilities.
Q. What is the maximum loan amount eligible for interest subvention?
Ans. Interest subvention benefits under CMKRY are available on eligible crop loans and KCC limits up to Rs. 3 lakh.
Q. Do farmers need to submit documents every year?
Ans. No. Full documentation is generally required only during the first application. In subsequent years, farmers usually need to submit a simple declaration regarding the crops being cultivated or proposed for cultivation.
Q. Is there any processing fee under the scheme?
Ans. No. As per the scheme guidelines, no processing fee is charged for eligible KCC limits up to Rs. 3 lakh.
Q. What happens if the loan is not repaid on time?
Ans. Farmers who fail to repay the loan within the prescribed period may lose eligibility for the additional 3% prompt repayment incentive. Therefore, timely repayment is important to receive the maximum benefit available under the scheme.
Q. Can tenant farmers and share croppers apply?
Ans. Yes. Tenant farmers, oral lessees, and share croppers are also eligible under the scheme, provided they meet the prescribed requirements and submit the necessary land possession or cultivation-related documents.
Q. What is NABARD’s role in CMKRY?
Ans. NABARD acts as the channel partner for reimbursement of the interest subvention provided under the scheme to participating banks.
Q. Where can farmers get assistance regarding CMKRY?
Ans. Farmers can contact their nearest Circle Officer (CO), EAC, BDO, SDO, ADC, or DC office for Land Holding Certificate-related assistance. They may also visit their nearest participating bank branch for guidance on KCC and crop loan applications under the scheme.
Tabassum is a government schemes researcher and writer with 5 years of experience tracking Central and State welfare scheme programmes across India. She has covered 500+ schemes spanning agriculture, women welfare, education, and housing, helping lakhs of beneficiaries understand their entitlements in simple language.