Atma Nirbhar Bagwani Yojana

Atma Nirbhar Bagwani Yojana is a state-run scheme of Arunachal Pradesh made for farmers who want to grow high-value fruits and buy farm machinery with bank-linked credit and subsidy support. The scheme is open for farmers, self-help groups (SHGs) and farmer producer organisations (FPOs) in the state, and applications are being accepted through the horticulture department offices and the UMANG platform.

This scheme follows a simple 45:45:10 model. Arunachal Pradesh government gives a 45% subsidy, the participating bank provides 45% as a loan, and the farmer contributes the remaining 10%. As of August 2026, Atma Nirbhar Bagwani Yojana continues to work as an umbrella scheme for horticulture development in the state. Also read Atma Nirbhar Krishi Yojana for another farmer support scheme from the same state.

Atma Nirbhar Bagwani Yojana - Introduction

Atma Nirbhar Bagwani Yojana works as an umbrella scheme that brings many horticulture programs under one bank-linked credit subsidy model. The rollout is time-bound and happens with the joint work of the state government, major banks, project consultants and progressive farmers. If a farmer plans a project of ₹1 Lakh, the farmer only needs to arrange ₹10,000, while the government and the bank cover the rest.

For loan amounts above ₹1.6 Lakh for individuals, or above ₹10 Lakh for SHGs and FPOs, the applicant should provide collateral security such as property documents or an acceptable guarantee. The scheme covers many crops and also supports the purchase of farm equipment:

Key Information

Here is a quick look at the main details of the scheme:

Benefits

Atma Nirbhar Bagwani Yojana is focused on high-value crops like apples, walnut, orange, kiwi and persimmon. Participating banks, including the State Bank of India, Arunachal Pradesh Rural Bank and Arunachal Pradesh Cooperative Apex Bank, provide the line of credit for the project.

The financial breakdown is simple and supportive:

There is no collateral requirement for loans up to ₹1.60 Lakh for individuals, and this limit goes up to ₹10 Lakh for SHGs and FPOs. The state government has earmarked a budget of ₹60 crore for the implementation of this scheme, with the funds adjusted every financial year. As of the 2026-27 financial year, the scheme is being implemented in phases across the districts of the state.

Eligibility

To apply for this scheme, the applicant should be a resident and an active farmer within the state of Arunachal Pradesh. The scheme is open to individuals, self-help groups (SHGs) and farmer producer organisations (FPOs) who want to expand their horticultural work.

Eligible applicant groups are:

• Individual farmers who are residents of Arunachal Pradesh and have a project plan for fruit cultivation or farm machinery.
• Self-help groups registered under government rules, with a higher limit for collateral-free credit.
• Farmer producer organisations working on horticulture development in the state.

Application Process

Applications are accepted through the offline process, and online registration is also available through the official UMANG page. Follow these steps to apply:

STEP 1 - Get the official application form from the Horticulture Development Office in your circle or from the District Horticulture Office. The form can also be downloaded directly from the official link given below.

STEP 2 - Prepare a detailed project proposal that mentions the crop or equipment for which support is being asked, along with the estimated project cost.

STEP 3 - Attach a self-attested passport-sized photograph and keep the required documents ready, including Aadhaar Card, Voter Card, Residential Certificate and bank account passbook.

STEP 4 - Submit the complete application with the project proposal to the Horticulture Development Office during office working hours and collect the acknowledgment receipt.

STEP 5 - For online application, open the official Atma Nirbhar Bagwani Yojana page on UMANG, register or log in with your details, fill the application form, upload scanned documents and submit the form.

Documents

Keep these documents ready when applying for the scheme:

• Aadhaar Card - for identity verification of the applicant.
• Voter Card - as an additional identity and address proof.
• Residential Certificate - to show that the applicant is a resident of Arunachal Pradesh.
• Bank account passbook - for receiving the loan and subsidy amount.

References

Official Scheme Guidelines - PDF with the full rules of the scheme.

Download Application Form - official application form PDF for the scheme.

FAQ's

What is Atma Nirbhar Bagwani Yojana?

Atma Nirbhar Bagwani Yojana is a state scheme of Arunachal Pradesh that promotes horticulture through a bank-linked credit subsidy model, with support from the government, banks and farmers together.

Who is eligible to apply for this scheme?

Any resident and active farmer of Arunachal Pradesh can apply. Self-help groups and farmer producer organisations working in horticulture are also eligible.

What is the financial structure of the scheme?

The scheme follows a 45:45:10 model. The state government gives a 45% subsidy, the bank provides a 45% loan, and the farmer contributes 10%.

Is collateral required for getting the loan?

No collateral is needed for loans up to ₹1.6 Lakh for individuals or up to ₹10 Lakh for SHGs and FPOs. For larger amounts, the applicant should provide land or property as security.

Which banks participate in the scheme?

The State Bank of India, Arunachal Pradesh Rural Bank and the Arunachal Pradesh State Cooperative Apex Bank are the main participating lenders.

Which crops and equipment are covered?

The scheme supports fruits like pineapple, avocado, orange, banana, guava, dragon fruit, arecanut, apples, kiwi and walnut, along with machinery like tractors, power tillers and brush cutters.

How can farmers apply for the scheme?

Applicants can submit the offline application form and project proposal to the District Horticulture Office, or apply online through the official UMANG page of the scheme.

Is land ownership mandatory to apply?

Land ownership certificate or LPC is not a must for the basic loan facility under this scheme. For higher loan amounts, banks may ask for land or property as security.

Can SHGs and FPOs participate?

Yes, SHGs and FPOs are fully eligible and get a higher limit for collateral-free credit under the scheme.

Is there a deadline for implementation?

Yes, this is a time-bound scheme implemented in phases across each district during the financial year. As of August 2026, the scheme is running for the 2026-27 financial year.

Who assists with the implementation process?

A team of government officials, professional project consultants and experienced progressive farmers supports the rollout of the scheme.