Prime Minister's Employment Generation Program(PMEGP)

Prime Minister's Employment Generation Program(PMEGP) is a flagship project of Ministry of Micro,Small and Medium Enterprises,Government of India.Many Farmers and Entrepreneurs are not fully aware of this scheme and its benefits.The speciality of this scheme is that apart from financial aid and subsidy,this program addressed the very basic needs of training ,professional guidance and information which every entrepreneur require at the initial stages of starting their business.

You can apply for this scheme online by visiting the website.

This program aims to provide financial support up to Rs.25 Lakhs for manufacturing sector and up to Rs.10 Lakhs for Service sector for starting a New business.

This program is designed with Entrepreneurship Development Program which will provide end to end information about the Entrepreneurship which are very essential for starting a business.The loan amount will be disbursed only after successful completion of the program.

KVIC is the Nodal agency for this program and the subsidy details are given below.

You can access all  relevant information about the scheme from Government portal for Prime Minister's Employment Generation Program(PMEGP)

In PMEGP Portal link towards EDP(Entrepreneurship Development Program)is given.It is very useful for young entrepreneurs.Free and paid materials are available in this course.You can access the course material directly through Entrepreneurship Development Program link.Many Entrepreneurs are not aware of this course which is very useful.

The course material includes video on various business opportunities and how they are functioning.It will help the entrepreneurs to relate their business idea with the industry practices.The subsidy related information of PMEGP is available at various sources in Internet,but the information about the course detail is very rare and it is the most useful part of this program.I request all of you to go through the website and use the information for your betterment.

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Honey Bee Farming-How to Start and Government Subsidies/Schemes

Many crop farmers and individuals who want to start Honey Bee farming(Apiculture) don't know how to start beekeeping and many Government subsidies/schemes for promoting beekeeping. Through this post I will provide you information that will help to to know where to start and what to do next.The first thing you need to understand is that Honey Bee Farming is not for everyone.Only those who are passionate about Bees can succeed in this area.Those who are willing to study more about Honey Bees will navigate successfully through this farm business.

Get Trained 

This is the most important step towards starting a Honey Bee Farming Business.You can contact your nearest Krishi Bhavan,KVK,Agriculture Universities,Khadi Board,National Bee Board for getting the training programs they conduct and enrol yourself in such training programs.By attending such programs,you will actually experience Beekeeping and you can understand whether you can go for it or not.You will be getting all the experience of various equipments used in Beekeeping and contact information of various suppliers of such equipment.Apart from various scientific aspects of  Honey Bee farming,usually at the end of such programs,you will get opportunity to purchase Bee colonies ,equipments,Bee Boxes etc.Opportunity to build a network of Home Bee Farmers is an added advantage of such programs.

Start immediately after Training

After training,you should start immediately otherwise you will loose many contacts you have established and the experience you gained during training.Place the Colonies in silent or less crowded area of your farm.You need to check whether any threats are present in that area like Ants,pests,Chemicals etc.By this time,you would have got enough training to identify such places and start farming.

Maintenance and Running the Business

Major challenges of Honey Bee Farming is farm maintenance,splitting of Bee Colonies,curing diseases,Monsoon care etc.Also you need to ensure enough Market for your Honey.Contacting your fellow farmers,trainer frequently and Building your Network and keeping it live will help you in all these aspects.You can market your Honey through various government programs and Ayurvedic medicine manufacturers. Maintaining good contacts will help you in this.

Government Subsidies/Schemes for Honey farming

1)Training on Honey Bee Farming with Stipend: These training programs are provided by State Khadi and Village Industries Boards. The stipend may vary state to state but definitely you will get an assisted training program.Please visit your state khadi board website for information.Link of such program conducted by Kerala  Khadi and Village Industries Board is given.Visit contacts page to get contact information of your nearest office.

2)Prime Ministers Employment Generation Programme(PMEGP):Through this programme,you can get Loan up to 25 Lakhs in Manufacturing and 10 Lakhs in Service sector.Own contribution will be 10% .Rate of Subsidy will be 25% in Rural areas and 15% in Urban Areas.Details of such scheme of Kerala Khadi Board is given in the link PMEGP-Kerala

Link of National Khadi Board PMEGP scheme is given in this Link.

3)National Beekeeping and Honey Mission:It is a newly introduced program for Mass honey production termed by Hon'ble Prime Minister as 'Sweet Kranti'(Sweet Revolution).This program aims creating an end to end framework for skill development,employment generation,income generation and reducing unemployment among youth.Details of this program is available in the given guideline link.National Beekeeping and Honey Mission(NBHM).Contact nearest KVIC (Khadi and Village Industries commission)centre for applying the scheme.

Requesting all of our readers to go through the Government site links provided above and understand the details from Government site.It is very important that you apply for the benefits of these schemes.

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List of Government Agriculture Subsidy Schemes(Kisan yojanas) for Farmers

Government of India is coming up with lots of subsidy schemes for farmers to promote agriculture in India.Budget 2020 also allocated considerable portion of fund to subsidy schemes for farmers.It is very important for farmers to understand such schemes and avail the benefits for which they are eligible.The formalities for these schemes are simplified so that each farmer can avail the benefits without any hassle.This post contain list of government agriculture subsidy schemes (kisan yojanas)for farmers.By clicking on the links,you can get more details(eligibility criteria,benefits,how to apply etc) about the schemes

• PM KISAN : Rs.6000 per year directly to bank account of each farmer.The formalities are simple and you need to show land proof and identity proof along with application.
• Kisan Credit Card(KCC) :Easy credit to farmers up to 3 Lakhs at effective interest rate of 4%.Marginal farmers will get credit of up to 50000.Credit easily available for PM KISAN holders.
• Pradhan Mantri Kisan Urja Suraksha evam Utthan Mahabhiyaan(PM KUSUM) :Solar powered agriculture pumps with subsidy.Farmers will get opportunity for extra income by selling extra energy to grid.
• Pradhan Mantri Fasal Bima Yojana(PMFBY) : Crop insurance scheme for farmers.Premium is very cheap at subsidised rate.Very helpful for farmers to manage risks associated with farming.
• 16 Points planned in Budget 2020 :Apart from above schemes,Government has allocated funds to various schemes in Budget 2020.Details are available in the link.
• Prime Ministers Employment Generation Program (PMEGP):This is one of the unique scheme which contain financial aid as well as development course which is very useful

I will be updating this list as and when new schemes are introduced or I get to know about any scheme.I request all farmers to avail these benefits so that Government's intention to boost farmers income successfully implemented.If you are facing any issue,feel free to comment below. 

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Kisan Credit Card-How to Apply and get Benefited

Kisan credit card(KCC) scheme was introduced by Government of India in 1998 to ensure easy credit availability to farmers from Banks.This scheme was not very popular during initial years due to various reasons mainly less interest shown by Banks due to NPA issues.But after the push from current government and RBI,it is mandatory for banks to show some part of their loan book as Agricultural loan.For domestic scheduled commercial banks(like SBI,Indian bank,Bank of India,Syndicate Bank,ICICI Bank,Federal Bank etc) they should show 18% of the total outstanding loan as Agricultural loan.A sub limit of 8 %  is allocated for small and marginal farmers.

Kisan Credit card is one of the smartest way to ensure reach of easy Agricultural loan facility to farmers.It facilitates farmers to purchase Agricultural inputs such as Seeds,Fertilisers,Pesticides etc and use cash for their day to day farm expenses.It also ensures credit availability for post harvest expenses.

An ATM Enabled Rupay Debit card will be provided for farmers who successfully join KCC. A flexible amount from 10000 to 50000 is provided for marginal farmers(Farmers with landholding up to 1 Hectare) as Flexi KCC. The KCC limit is to be fixed for 5 years.The amount can be revised whenever need arises and farmers can approach bank in such scenarios.

For small farmers(Landholding 1 to 2 Hectares) and other large farmers up to 3 lakh loan is available.Above 1.6 Lakhs, collateral security is to be provided. Upto 1.6Lakhs,No such security is required.

The Main attraction of this Credit facility is that the interest rate is 7% only.Apart from this, 3% interest subvention is provided for prompt repayment of the loan.This makes interest rate of Kisan Credit card 4% effectively.

How to Apply for KCC

You can apply by visiting Bank branch and submitting duly filled application form.The KCC application form is available in the Link. Your identity,Address proof and land documents will be required.It will be an added advantage of you approach the same Bank branch where your PM-KISAN account exists.Banks are giving priority to their existing PM KISAN Members.

Detailed Master Circular issued to Banks by RBI on 4th July 2018 regarding Kisan Credit Card is given in the link.You can Visit the link to Read the Kisan Credit card RBI Circular

The Circular released by Ministry of Finance is given in below Link.You can get details of Kisan Credi Card(KCC) Scheme from this Circular also.

It is expected that all farmers who has availed PM-KISAM amount of Rs.6000,get benefit of KCC also.Requesting all farmers to visit bank branch to avail the credit.Farmers should avail all such scheme benefits so that Government's plan to promote Agriculture is achieved.

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