PM Kisan Samman Nidhi Yojana: Challenges Faced by Beneficiaries

The Pradhan Mantri Kisan Samman Nidhi (PM-Kisan) Yojana is a great initiative to provide financial support to small and marginal farmers in India. However, despite its good intentions, several challenges hinder its smooth implementation, creating problems for beneficiaries. Let’s delve into these issues:

1. Digital Divide:

• Lack of Awareness and Literacy: Many farmers, especially in remote areas, lack awareness about the scheme or the online application process. Limited literacy can further complicate registration and claiming benefits.
• Technical Difficulties: Uploading documents, navigating the online portal, and even accessing the internet can be hurdles for some farmers.

2. Data Discrepancies:

• Inaccurate Land Records: Outdated or inaccurate land records can lead to exclusion from the scheme or delays in receiving benefits.
• Aadhaar Linkage Issues: Mandatory Aadhaar linking can cause problems due to spelling errors, mismatch with land records, or lack of Aadhaar registration.

3. Payment Delays and Disruptions:

• Technical Glitches: The online system can experience glitches leading to delays or failed transactions.
• Account Verification Issues: Banks might flag accounts with discrepancies, causing disruptions in receiving installments.
• Changing Compliance Rules: Frequent changes in mandatory documents or verification processes can add confusion and disrupt payments.

Table: Impact of Problems on Beneficiaries

What can be done?

• Spreading Awareness: Increase outreach programs in rural areas, utilizing local languages and community leaders to educate farmers about the scheme.
• Simplifying Online Processes: Develop user-friendly interfaces and mobile apps for easier registration and claim submission.
• Data Verification Drives: Conduct joint initiatives with state governments to improve land record accuracy and facilitate Aadhaar linking.
• Clear Communication: Regularly inform beneficiaries about any changes in compliance rules and provide clear instructions on resolving payment issues.
• Offline Enrollment Support: Establish designated help centers in villages with trained personnel to assist farmers with registration and troubleshooting.

By addressing these challenges, the PM-Kisan Yojana can reach its full potential and empower even more small and marginal farmers across India.