Can I take farm land on lease and still get crop loan, insurance and scheme benefits?

A tenant or lease farmer can in many cases access crop loan and crop insurance, but it depends on having proof of the cultivation arrangement, and the rules differ by state and by scheme. For crop insurance, schemes generally cover the cultivator, including tenant and sharecropper farmers, but you usually need documentary proof such as a written lease or tenancy agreement, and some states issue a cultivation certificate or have a record of the tenant. For crop loan, banks often require either land in your name or, for tenants, documents like a registered lease or a special tenant credit arrangement, and some states have made provision for credit to recorded tenants and oral lessees. Schemes like PM-Kisan, however, are linked to land ownership records and generally go to the recorded landholder, not the tenant. Practical advice: get a written lease, and where your state allows it, get the lease or tenancy recorded so you can prove you are the cultivator. A recorded or registered lease makes loan and insurance claims much easier. Confirm what proof your bank and your state require at the bank and the tehsil. This is general information, not legal advice.