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Bhavishya Nidhi Yojana
Scheme Benefits — What you get when you join
Bhavishya Nidhi Yojana (BNY) by A3N Agro provides a bundled package of financial protection, farm support, training and digital benefits designed for small & marginal farmers, women farmers, tenant cultivators and rural households.
Register — ₹999
Need help? Call: 18002026251
Quick highlights
Cashback & KDAY Coins
Receive cashback after registration and 199 KDAY coins credited to your KYC-backed wallet to spend on essentials and services.
Accidental Insurance
Accidental cover up to ₹3,00,000 to protect families against unexpected events.
Crop-loss Assistance
Financial aid up to ₹1,50,000 for verified crop losses due to adverse weather or pests.
Detailed benefits at a glance
| Benefit | What it covers | Notes |
|---|---|---|
| Registration bonus | ₹750 cashback (short-term support) | Credited after verification (~90 days). Subject to T&Cs. |
| Integrated Farm Profit Share | profit share up to ₹500/year | Profit share continues annually for up to 10 years; unit sale allowed after defined period with market value. |
| KDAY Coins | 199 KDAY coins credited to wallet | Use on marketplace, education, medicines or convert via exchange (where available). |
| Accidental insurance | Up to ₹3,00,000 per covered incident | Standard policy terms apply. Claim via field coordinator + insurer. |
| Crop-loss assistance | Up to ₹1,50,000 for verified losses | Requires damage verification by field team/technical partner. |
| Medical claim support | Up to ₹25,000 per eligible event | Assistance for documentation & claim submission through partner hospitals. |
| Scholarships | Education support ₹1,000–₹24,000 over 5 years | Eligibility and selection based on merit & need; partner NGO managed. |
| Integrated Farm Unit | Unit support value ~₹5,000 + profit share | Training and ongoing advisory included; unit sale allowed after defined period. |
| Subsidies | Up to 30% on selected equipment & organic inputs | Priority to women farmers and listed beneficiaries; subject to availability. |
| Marketplace & Wallet | Buy inputs, sell produce, access services | Transactions recorded via KYC-backed wallet for transparency. |
Who is eligible?
- Small & marginal farmers (priority), women-headed households, tenant cultivators and rural families with limited access to formal finance.
- Beneficiaries must complete KYC to receive coins and claim benefits.
- Some benefits (subsidy, scholarships) may have additional eligibility criteria.
Priority groups
- Women farmers and women-headed households
- Farmers with ≤ 2 hectares land (where applicable)
- Smallholders and tenant farmers with demonstrated need
How to claim benefits — simple steps
1. Register & KYC
Sign up on the portal and complete KYC so you can receive coins & benefits.
2. Report & Document
Report events (accident, crop loss, medical) to your field coordinator and submit required documents.
3. Verification & Disbursement
Field & technical teams verify claims; approved amounts are disbursed via wallet/bank transfer per policy.
Frequently asked questions
Registration fee is ₹999. After registration and verification you receive 199 KDAY coins in your wallet; cashback and additional short-term benefits are provided per schedule and verification.
Notify your field coordinator immediately after the loss. Our team will guide on documentation and a technical verification visit may be scheduled. Approved claims are processed per scheme limits.
KDAY coins can be used on the KDAY marketplace for approved goods and services. Coin convertibility to cash depends on exchange availability and platform rules.
Contact your local field coordinator or call the BNY helpline: 18002026251. You can also email support@bhavishyanidhiyojana.org
Ready to join? Need help?
Register online or speak to our field team for step-by-step assistance.