PM Kisan 20th Installment Delayed? Understand “FTO Not Processed” and Fix It Now

Lakhs of farmers across India are waiting for the 20th installment of the PM Kisan Yojana in 2025. Many are seeing a confusing status message – “FTO Not Processed” or “Payment Pending” on the official portal. Don’t worry. This article will help you understand what it means, why the delay is happening, how to check your status, how to correct your application, and what to do next. If you are a farmer under this scheme, read this carefully to avoid losing your ₹2000 installment.

What Is PM Kisan Yojana and How It Helps Farmers

• Launched in February 2019 by the Indian Government

• Offers ₹6000 every year to eligible farmers in three ₹2000 installments

• Amount is sent directly to bank accounts using DBT (Direct Benefit Transfer)

• Benefits small and marginal farmers with land ownership

• Helps in buying seeds, fertilizers, and managing basic crop needs

What Is “FTO Not Processed” in PM Kisan Status?

• FTO means Fund Transfer Order

• “FTO Not Processed” means your payment is not yet approved

• Your data may be under verification by state or central officials

• This is a delay message, not a rejection

• Mostly happens due to e-KYC issues, Aadhaar mismatch, or bank errors

Common Reasons Behind Installment Delay

• Aadhaar and bank account details do not match

• Name spelling or IFSC code is incorrect

• e-KYC not completed by the farmer

• State approval not received

• PFMS (Public Finance System) server delay

• Technical errors in application form

How to Check PM Kisan Installment Status Online

Follow these steps to check your installment and FTO status:

• Go to https://pmkisan.gov.in

• Scroll to “Farmers Corner”

• Click on “Know Your Status”

• Enter Aadhaar, mobile number, or bank account number

• Click on “Get Data”

• Your full details and payment status will appear

What Does “FTO is Generated and Payment Confirmation Pending” Mean?

• This means your data is correct and verified

• Payment is waiting for final approval

• PFMS has not yet confirmed the release of funds

• You don’t need to worry – just wait for a few days

• Keep checking your status online or via mobile app

What If You See “Aadhaar Not Verified” or “Rejected by Bank”?

• “Aadhaar Not Verified” – mismatch in Aadhaar and bank name

• “Rejected by Bank” – closed bank account or wrong IFSC

• “Payment Failed” – server or transaction error

• These issues need correction immediately

How to Correct Your PM Kisan Application Details

If your application has errors, you can correct them online:

• Go to https://pmkisan.gov.in

• Click on “Updation of Self Registered Farmer”

• Enter Aadhaar number and captcha code

• Edit your name, bank details, IFSC, or Aadhaar

• Submit the updated form

• Status will be updated within 7–10 days

Importance of e-KYC for Receiving Installments

• e-KYC is now compulsory to get any installment

• Without e-KYC, your name is removed from the list

• OTP-based and biometric e-KYC both allowed

How to do e-KYC:

• Visit https://pmkisan.gov.in

• Click on “e-KYC”

• Enter Aadhaar and OTP

• If it fails, go to CSC center for biometric KYC

Key Dates to Remember for 20th Installment

• FTO Finalization: July 5 to July 25, 2025

• Installment Release: Between July 15 and August 10, 2025

• Helpline Active From: July 12 onwards

PM Kisan Helpline Numbers You Can Call

If your problem is still unresolved, contact the helpdesk:

• 155261 (Toll-Free)

• 011-24300606

• 011-23381092

• Email: pmkisan-ict@gov.in

Why Some States Have More Delays Than Others

States like Uttar Pradesh, Bihar, Rajasthan, and MP have reported large delays due to:

• Low staff at agriculture offices

• Slow approval from state nodal officers

• Incomplete KYC forms from farmers

• Server or connectivity issues in rural areas

What to Do If FTO is Not Processed for 15+ Days

• Take a printout of your status

• Go to your Block Agriculture Office

• Ask for manual verification

• Get a stamped update slip from the officer

• Submit a written complaint if required

Use PM Kisan Mobile App for Faster Access

• Download from Google Play Store

• Check installment and FTO status

• Update your personal details

• Get instant notifications about approvals and payments

What Does “Payment Under Process” Mean?

• Your FTO is approved, and money is about to be sent

• Bank or PFMS is processing the payment

• Usually credited in 2–5 working days

• Just wait and do not panic

Future Plans for PM Kisan Scheme

The government plans to improve PM-Kisan by:

• Increasing amount to ₹8000–₹10000 annually

• Linking with crop insurance and soil cards

• Using AI-based verification to avoid fraud

• Speeding up DBT using real-time Aadhaar payments

How to Escalate Unresolved Issues?

• Visit District Agriculture Office with complaint letter

• Mention your registration number and Aadhaar

• Attach status screenshot and bank passbook copy

• Get a receipt of complaint

• Follow up after 5–7 working days

What If You Are a New Farmer and Didn’t Get Any Installment?

• Check if your application was approved

• Do e-KYC first

• Verify your bank and Aadhaar link

• Wait for next installment cycle

• Contact CSC if your name is not on the list

Tips to Avoid Future Payment Issues

• Always keep bank account active

• Link Aadhaar with correct IFSC code

• Complete e-KYC on time

• Use same name and spelling across all documents

• Regularly check your status on pmkisan.gov.in

Conclusion: Don’t Panic, Just Stay Updated

The message “FTO Not Processed” or “Payment Pending” does not mean your ₹2000 installment is lost. It only means your payment is delayed due to system checks or verification. Make sure you complete e-KYC, correct your bank details, and stay in touch with local agriculture officials. The PM-Kisan scheme is here to help you – just follow the right steps and stay patient.

FAQs

Q1. What does FTO Not Processed mean in PM Kisan?
It means your fund transfer order is pending verification and approval.

Q2. What is the official website to check status?
Visit https://pmkisan.gov.in and click on “Know Your Status”.

Q3. Is e-KYC mandatory for getting installments?
Yes, e-KYC is compulsory. Without it, you won’t get the money.

Q4. How to correct Aadhaar or bank details?
Use the “Updation of Self Registered Farmer” option on the PM Kisan portal.

Q5. When will the 20th installment be credited?
It is expected between July 15 and August 10, 2025, for verified beneficiaries.

Disclaimer

This article is for information purposes only. The details shared are based on government announcements and public information. For any updates or final confirmation, please visit the official website https://pmkisan.gov.in or contact your local agriculture office.

Also Read: Bihar’s ₹10 Lakh Udyami Yojana 2025: Big Opportunity for Entrepreneurs with 50% Free Subsidy