Does Namo Shetkari come on top of PM-Kisan or instead of it?

It comes on top of PM-Kisan, not instead of it. Namo Shetkari Mahasanman Nidhi is a Maharashtra state scheme designed to add to what the central PM-Kisan gives, so an eligible farmer receives both. PM-Kisan is paid by the central government in installments to the Aadhaar-linked account, and the Maharashtra government adds its own amount on the same beneficiary base. The result is that a qualifying Maharashtra farmer family gets the central support plus the state support in the same year. Because the exact figures are revised by the state from budget to budget, do not rely on an old number you heard from a neighbour. Confirm the current per-year amount on the official Namo Shetkari portal or at your taluka agriculture office. The key point for planning is simple: if you are an approved PM-Kisan beneficiary in Maharashtra, you should be getting the state top-up as well, so if only one is arriving, something needs fixing in your record.