Harvesting Equipment Micro Loan for Farmers – भारत के rural areas में agriculture backbone है, लेकिन problem यह है कि बहुत से farmers के पास modern harvesting equipment खरीदने के लिए पैसा नहीं होता।
👉 Traditional farming tools से ना तो efficiency आती है, ना ही proper harvesting possible है।
👉 खासकर low-rainfall areas (Rajasthan, Bundelkhand, Vidarbha, Kutch) में farmers को water scarcity + small landholding की problem रहती है।
ऐसे farmers के लिए सबसे बड़ा support है – Micro Finance Loans for Harvesting Equipment।
Why Harvesting Equipment is Needed?
- Low Rainfall Areas Challenge
- कम पानी होने से crop cycle short होती है।
- सही समय पर harvesting न हो तो पूरी फसल खराब।
- Labour Shortage
- villages में skilled labours कम।
- manual harvesting costly + time-consuming।
- Post-Harvest Loss
- improper harvesting से 15–20% तक crop loss।
👉 Solution है – small & medium harvesting machines, जो microloan से खरीदे जा सकते हैं।
Harvesting Equipment Options for Farmers
- Mini Combine Harvester
- Suitable for wheat, paddy, bajra
- Price: ₹4–6 lakh
- Loan support से farmer group purchase कर सकते हैं।
- Reaper Binder
- Low rainfall area में millets, pulses के लिए best।
- Cost: ₹1.2–2 lakh
- Threshers & Winnowers
- Post-harvest crop cleaning & storage के लिए।
- Cost: ₹50,000 – 1.5 lakh
- Solar-Powered Mini Harvester
- Diesel cost बचाता है।
- Cost: ₹3–4 lakh (subsidy available)
👉 इन tools को farmer individually या FPO (Farmer Producer Organization) में loan लेकर खरीद सकते हैं।
Fencing & Boundary Scheme – एक Unique Angle
Low rainfall areas में सबसे बड़ी problem है – stray animals।
- कई बार 30–40% crop loss सिर्फ इसलिए होता है क्योंकि animals farm boundary cross करके फसल खा जाते हैं।
Government Schemes for Fencing
- PMKSY (Pradhan Mantri Krishi Sinchai Yojana) में fencing support मिलता है।
- कुछ states (Rajasthan, MP, UP) boundary fencing पर 50–60% subsidy देते हैं।
- Solar fencing भी promote किया जा रहा है – जिससे stray animals automatically दूर रहते हैं।
👉 Example:
Rajasthan के किसान Mohan ने 3-acre land पर fencing कराया (₹1.5 lakh cost)। Subsidy 60% मिली, खुद का खर्च सिर्फ ₹60,000। Result: फसल बची और income 2x हो गया।
Micro Loan Support for Farmers
- PM Kisan Credit Card (KCC) – ₹1.6 lakh तक collateral-free loan।
- NABARD Subsidy Schemes – harvesting tools पर subsidy।
- PMEGP Loan – agriculture-based equipment startups के लिए support।
- Regional Rural Banks (RRBs) & Microfinance Institutions – 7–9% interest पर loan available।
👉 खासकर women SHGs भी harvesting equipment loan लेकर custom hiring centers बना सकती हैं।
Example Case Study – Low Rainfall Farmer
Farmer: Ramesh, Bundelkhand Region
- Land: 3 acre
- Crops: Bajra + Moong
- Problem: Late harvesting = 20% crop loss every year
Investment with Microloan:
- Mini Harvester (₹1.8 lakh loan)
- Boundary Fencing (₹80,000 after subsidy)
Result:
- Harvesting time 6 days → 2 days
- Crop loss reduced from 20% → 5%
- Annual extra saving = ₹60,000
- Custom hiring income = ₹1 lakh/year (machine rent to neighbors)
👉 Net Profit Boost = ₹1.6 lakh per year
Annual Income Plan for Farmers
मान लीजिए 1 farmer group (5 farmers) ने मिलकर loan लिया और harvesting equipment खरीदा।
- Custom Hiring Center Setup → equipment rent पर देना
- Rate: ₹1200–1500 per acre
- Coverage: 200 acre/year
👉 Annual Income = ₹3 lakh (rent)
👉 Extra Saving (less crop loss) = ₹2 lakh
👉 Total Annual Net = ₹5 lakh (shared among farmers)
Benefits of Harvesting Equipment + Boundary Scheme
- Crop Security – no stray animal loss
- Time Saving – harvesting fast, crop safe before rain/drought
- Extra Income – machine rental to nearby farmers
- Women Empowerment – SHGs handle equipment on rent
- Eco-Friendly – solar fencing + solar harvester reduce diesel use
Future Goal
अगर हर low-rainfall district में 100 farmer groups microloan लेकर harvesting equipment + fencing scheme adopt करें – तो:
- Crop loss 30% से घटकर 5% हो जाएगा
- Farmers’ average income double होगी
- Employment भी बढ़ेगा (rural custom hiring centers create jobs)
Conclusion
Low rainfall areas में farmers का सबसे बड़ा हथियार है –
👉 Harvesting Equipment + Micro Loan + Boundary Fencing।
इस model से किसान:
✅ फसल बचाएंगे
✅ Annual profit बढ़ाएँगे (₹1–2 lakh extra per farmer)
✅ Rural youth को नया startup model मिलेगा (custom hiring centers)
✅ Environment-friendly farming करेंगे (solar fencing, solar harvester)
“Smart Harvesting, Safe Boundaries – Rural Farmers’ Green Future”
✅ One Line Tag:
“Microloan for Harvesting – Secure Crops, Higher Profits, Green Villages”