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Kisan Suvidha

Farming is not just an occupation—it is the heartbeat of our nation. At Sahya Mithra Agro MSCS, we understand the struggles and sacrifices that every farmer and rural family makes. The Kisan Suvidha Fixed Contribution Scheme is our way of ensuring that your hard-earned savings are protected, nurtured, and grown—so that tomorrow feels secure, and every season brings hope.

Why join Kisan Suvidha

  • Safe & Transparent: Backed by the Multi-State Cooperative Societies Act, 2002, ensuring your money is always protected.
  • Flexible for Every Family: Tenure options from 6 to 60 months, designed for different needs.
  • Steady Income or Future Lump-Sum: Choose monthly, quarterly, yearly, or maturity payouts—your money, your way.
  • Plans for All Farmers: Whether you contribute ₹10,000 or ₹5,00,000+, there’s a plan for you.
  • Respect for Elders: Senior citizens earn an additional +0.50%—because their wisdom deserves more.
  • Community Support: Every rupee you contribute strengthens not just your home, but also rural families across Kerala, Tamil Nadu, and beyond.

Our Plans

Plan Category Contribution Range Best For
Silver ₹10,000 - ₹49,999 Small farmers & households beginning their savings journey
Gold ₹50,000 - ₹99,999 Medium farmers & small traders building secure reserves
Platinum ₹1,00,000 - ₹2,49,000 Progressive farmers, agri-entrepreneurs
Diamond ₹2,50,000 - ₹4,99,999 Progressive farmers, agri-entrepreneurs
Titanium ₹5,00,000 & above Large contributors & institutions driving rural growth

Flexible Tenure & Payouts

  • Tenure Options: 6, 13, 24, 36 and 60 months.
  • Payout Choices:
    • Monthly - steady income for household needs.
    • Quarterly / Half-Yearly / Yearly - balance of income and growth.
    • On Maturity - a lump sum to fulfill big dreams.

Benefits & Senior Citizen Advantage

  • Competitive benefit rates—higher than many traditional saving options.
  • Extra care for our elders: +0.50% for senior citizens across all plans.
  • Designed to honor the trust you place in us while ensuring stability for your family.

Beyond Returns: A Cooperative Promise

  • At Sahya Mithra, we believe in shared growth. Every member contributes to and benefits from a community built on trust, transparency, and mutual progress.
  • Rural households access market linkages and agri-support services.
  • Cooperatives thrive, creating a collective shield of financial security.

Together, we grow. Together, we prosper.

Who Can Join?

  • Farmers, traders, and rural entrepreneurs.
  • Senior citizens looking for safe, respectful returns.
  • Cooperative societies and institutions.

Simple Steps to Join

  1. Visit your nearest Sahya Mithra Agro MSCS branch.
  2. Select your plan, tenure, and payout option.
  3. Submit KYC documents.
  4. Get your Membership Certificate & Contribution Receipt—your trust, formally honored.

Common Questions Farmers Ask

Yes. SMCS is fully registered under the Multi-State Cooperative Societies Act, 2002, with compliance and transparency at its heart.

Yes. Premature withdrawal is possible as per cooperative rules—because we understand emergencies.

Absolutely. It not only ensures steady growth for your savings but also supports farmers’ welfare and rural progress.

Your trust is our responsibility.

Join thousands of farmers and families who already rely on SMCS for secure growth.

Invest in Kisan Suvidha Plan