Farmers’ Awareness of Government Schemes and Its Impact on Income Growth: A Survey Study of Bhagalpur District

Abstract

Farmers’ awareness of government schemes plays a pivotal role in enhancing agricultural productivity and income growth in rural India. Over the years, the Government of India has introduced several welfare and support schemes such as PM-KISAN, Pradhan Mantri Fasal Bima Yojana (PMFBY), Kisan Credit Card (KCC), and the Soil Health Card Scheme to improve farmers’ financial security and agricultural efficiency. However, the effectiveness of these initiatives is largely determined by the level of awareness among farmers. Reports such as the Economic Survey (2025–26) and the NABARD All India Rural Financial Inclusion Survey (NAFIS 2022) indicate that awareness significantly affects both the adoption of these schemes and farmers’ access to institutional benefits like credit, insurance, and subsidies. This study focuses on Bhagalpur district of Bihar to examine the relationship between farmers’ awareness and income growth. Based on secondary data from government reports, research studies, and regional observations, the findings reveal that farmers who are well-informed about government schemes are more likely to utilize them efficiently. This leads to better financial stability, timely agricultural investment, and improved productivity. Consequently, these farmers experience higher and more stable income levels compared to those with limited awareness. However, the study also highlights certain challenges, including low digital literacy, lack of effective extension services, and procedural complexities, which hinder the full utilization of these schemes. Therefore, improving awareness through targeted interventions is essential for maximizing the benefits of government schemes and ensuring sustainable agricultural development in regions like Bhagalpur.