Drip subsidy in my state is high but the dealer wants full payment. I cannot afford the whole amount up front.
7 Answers
In most states micro-irrigation subsidy is paid after installation, so the farmer or a loan has to bridge the cost first, but the exact flow depends on the state model. The common process is: you apply on the state portal, get pre-approval, buy from an empanelled company, get the system installed and inspected, upload bills and geotagged photos, and the subsidy is then credited to your bank account, while you pay the dealer the remaining farmer share. Some states ask you to pay only your share to the company and the department pays the subsidy portion directly to the company, so you never front the full amount. Because the up-front burden differs, ask your agriculture or horticulture office which model your state follows this year. If you must pay first, you can fund your share through your KCC or a separate loan and let the subsidy reduce your outlay. Confirm the current procedure and subsidy share with the department before ordering.
Mere state me pehle pura nahi dena pada, sirf apna hissa company ko diya. Baaki subsidy department ne seedha company ko bheji. Har state ka tarika alag hai, office se confirm karo.
Mere state me pehle pura nahi dena pada, sirf apna hissa company ko diya aur baaki subsidy department ne seedha company ko bheji. Har state ka tarika alag hai, office se confirm karo pehle. Empanelled company se hi lena.
In my state I had to pay full first and the subsidy came to my account after inspection, so I funded my share through KCC. Geotagged photos and matching land area were a must. Ask your agriculture office which model your state follows this year before ordering.
Ek baat poochna mat bhoolna ki tumhare state me model kaunsa hai, kyunki dealer apna fayda dekh kar bolega ki poora paisa do. Maine pehle horticulture office se likhit me pata kiya ki sirf farmer share dena hai, phir dealer ko wahi kaha. Dealer ki baat par mat jao, office se confirm karo, tab paisa bachta hai.
If you do have to pay full first, do not borrow at a costly rate to bridge it, because the subsidy can take time to come. I used my KCC limit, which is cheap, instead of a private loan. Plan for a few months gap between paying the dealer and the subsidy hitting your account, and keep the bills and geotagged photos safe till then. Confirm your state model with the office before ordering.
A pitfall I saw with a neighbour: he paid the dealer the full amount in cash without a proper invoice, and later the subsidy was stuck because the bill did not match the empanelled rate. Always pay through bank and get a proper GST invoice from the empanelled company at the approved rate. The paper trail is what gets your subsidy released.