Chief Minister's Krishi Rinn Yojana (CMKRY) — Crop Loans up to ₹3L

The Chief Minister's Krishi Rinn Yojana (CMKRY) is a farm credit programme run by the Department of Agriculture, Government of Arunachal Pradesh. Its core idea is straightforward: a farmer should be able to borrow for the crop season without carrying an interest burden, and without depending on informal lenders who charge steep rates.

The scheme works through interest subvention rather than a direct cash payout. The state contributes 4% towards the interest on crop loans and on Kisan Credit Card (KCC) limits sanctioned up to ₹3.00 lakhs. That support is given in addition to whatever interest benefit the Government of India already provides, so the two stack instead of replacing each other. On top of this, a farmer who repays short-term production credit inside one year of disbursement earns a further 3% per annum interest relief. For an eligible borrower who repays on schedule, the two concessions together bring the effective cost of the loan down to zero.

NABARD is the channel partner for CMKRY and handles reimbursing banks for the subvention they forgo. To make credit easier to reach, the state government has notified that a certificate of cultivated area and crops grown, issued by the Circle Officer, is a valid document for banks to issue a Kisan Credit Card. There is no application window — the scheme stays open — and the state's stated target is to bring 7,500 farmers under crop loans.

• Crop loans or KCC limits of up to ₹3 lakh per farmer
• Effectively zero interest through a 4% state subvention plus 3% relief for repaying within one year
• Subvention stacks on top of any existing Government of India interest support
• Open to small, marginal and large farmers across Arunachal Pradesh
• No deadline — applications are accepted on a rolling basis at participating banks
• State target of covering 7,500 farmers under crop loans

CMKRY is meant for farmers in Arunachal Pradesh who cultivate short-term crops. There is no farm-size bar: small, marginal and large farmers can all apply.

• Crop focus: short-term crop production is what the scheme supports.
• Credit link: the applicant must hold a Kisan Credit Card, or be availing a crop production loan from a commercial bank, Arunachal Pradesh Rural Bank (APRB), or Arunachal Pradesh State Cooperative Apex Bank Ltd (APSCAB Ltd).
• Loan ceiling: the benefit applies to crop loans and KCC limits of up to ₹3.00 lakhs.
• Repayment record: a clean history counts — the additional relief is tied to repaying short-term production credit within one year of disbursement.
• Not covered: relief is not available for the production of perennial food crops or plantation crops.
• Bank norms: applicants must also meet the standard eligibility and documentation requirements of whichever participating bank they approach.

Chief Minister's Krishi Rinn Yojana (CMKRY) — Crop Loans up to ₹3L is open to startups at any stage. It is open to startups registered anywhere in India.

Chief Minister's Krishi Rinn Yojana (CMKRY) — Crop Loans up to ₹3L accepts applications on a rolling basis — there is no fixed cut-off date, so eligible startups can apply at any time. Because rolling programmes can pause without notice, confirm the window is still open on the official site before you start.

The central benefit is zero-interest crop credit of up to ₹3.00 lakhs per farmer, delivered through two stacked concessions:

• 4% interest subvention from the state on crop loans or KCC limits, and this sits on top of any subvention extended by the Government of India.
• An extra 3% per annum interest relief for farmers who repay their short-term production credit within one year of disbursement.

Because the concessions compound, a farmer who repays on time ends up paying no interest at all. NABARD acts as the scheme's channel partner and routes the reimbursement of the subvention amount to the banks.

The scheme also widens access to formal banking for the state's farming community, cutting the need to borrow from informal, high-interest moneylenders. It comes with assistance in getting the paperwork together, such as the Land Holding Certificate, which eases the loan application at the bank. Administratively, the state has also notified that a Circle Officer's certificate of cultivated area and crops grown is acceptable to banks when issuing a Kisan Credit Card. The programme's coverage target is 7,500 farmers across Arunachal Pradesh.

Chief Minister's Krishi Rinn Yojana (CMKRY) — Crop Loans up to ₹3L is offered by Department of Agriculture, Government of Arunachal Pradesh, a government body. As a government-backed debt / loan, it is publicly funded and open to eligible startups across India.

There is no central state-level selection panel — the bank you apply to reviews and decides on your application.

• Initial screening: the Circle Officer's certification of land ownership, submitted with your application, forms the first layer of verification.
• Eligibility check: the bank assesses land ownership, cultivation details, whether you already hold a Kisan Credit Card, and your repayment track record.
• Sanction and disbursement: once eligibility is established and all documentation is in order, the bank sanctions the loan and credits the amount to the farmer's account.

Before you apply to Chief Minister's Krishi Rinn Yojana (CMKRY) — Crop Loans up to ₹3L, keep the following documents ready:

• A pitch deck or short business plan describing the problem, product and traction
• Company registration documents and PAN
• Founder identification (PAN / Aadhaar) and brief profiles
• Recent financial statements or projections
• Product details — a demo, prototype or working link if available

Exact requirements are confirmed on the official application portal — treat this as a preparation checklist.

Chief Minister's Krishi Rinn Yojana (CMKRY) — Crop Loans up to ₹3L is best suited for startups in India seeking non-dilutive funding of ₹3L. If that describes your startup, review the eligibility criteria above before applying.