- Details
- Benefits
- Eligibility
- Exclusions
- Application Process
- Documents Required
- Frequently Asked Questions
- Sources And References
- Feedback
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Ministry Of Agriculture and Farmers Welfare
Pradhan Mantri Fasal Bima Yojna (PMFBY)
Details
- To provide financial assistance and support to farmers suffering from crop damage or loss arising out of unforeseen events.
- To stabilise the income of farmers and ensure continuance in farming.
- To encourage the farmers to adopt modern and innovative agricultural practices.
- To ensure crop diversification, and credit-worthiness of the farmers, enhance growth and competitiveness of the agriculture sector and protect the farmers from production risks.
Benefits
- Affordable Premiums: The maximum premium payable by the farmer will be 2% for the Kharif food and oilseed crops. For rabi food and oilseeds crop, it is 1.5% and for yearly commercial or horticultural crops it will be 5%. The remaining premium is subsidized by the government.
- * For the farmers in North-Eastern States, Jammu, Kashmir, and Himachal Pradesh, the government also pays the entire premium.
- Comprehensive Coverage: The scheme covers natural disasters (droughts, floods), pests, and diseases. Post-harvest losses due to local risks like hailstorms and landslides are also included.
- Timely Compensation: PMFBY aims to process claims within two months of the harvest to ensure that farmers get the compensation quickly, preventing them from falling into debt traps.
- Technology-Driven Implementation: PMFBY integrates advanced technologies like satellite imaging, drones, and mobile apps for precise estimation of crop loss, ensuring accurate claim settlements.
RISKS COVERED
- Yield Losses (Standing Crops): The Government provides this insurance coverage for yield losses that fall under the non-preventable risks, such as Natural Fire and Lightning: Storm, Hailstorm, Tornado etc.: Flood, Inundation and Landslide; Pests/ Diseases, etc.; Drought etc.
- Prevented Sowing: Cases may arise where most of the farmers (insured )of notified areas may want to plant or sow. In such cases, they have to bear the expenditure for that cause and are restricted from planting or sowing insured crops because of unfavourable weather conditions. These farmers will then become eligible for the indemnity claims of up to a maximum of 25% of the sum insured.
- Post-harvest Losses: The Government provides for post-harvest losses on an individual farm basis. The Government offers coverage of up to 14 days (maximum) from harvesting for crops that are stored in “cut and spread” condition. It means that the Government covers farmers who have put the crops to become sun-baked in the field after harvesting that have been destroyed due to cyclone or cyclonic rains occurred across the country.
- Localised Calamities: The Government provides for localised calamities on an individual farm basis. Risks such as loss or damage arising from identified localised hazards, such as hailstorms, landslides, and inundation impacting separated farmlands in the notified area comes under this coverage.
Eligibility
- All farmers, including tenant farmers and sharecroppers growing notified crops in notified areas.
- Farmers must have an insurable interest in the insured crops.
- Farmers must possess a valid and authenticated land ownership certificate or a valid land tenure agreement.
- The farmer must be a cultivator or sharecropper on the insured land.
- The farmer must apply for insurance coverage within the prescribed time frame, usually within 2 weeks of the start of the sowing season.
- Farmers must not have received compensation for the same crop loss from any other medium or source.
Exclusions
Non-Notified Areas
Losses Outside the Crop Cycle
Negligence and Non-Compliance
Losses Beyond Specified Limits
Non-Premium Payment
Application Process
Track Your Application
Documents Required
- Passport–sized Photograph
- Passbook
- Identity Proof (Aadhaar Card/PAN Card/Voter ID/Bank Passbook with Photo, Kisan Photo Book/NREGA Job Card)
- Address Proof (Aadhaar Card/PAN Card/Voter ID/Electricity Bill/Bank Passbook with Photo).
- Evidence of Land records, as per the State Records of Right (RoR), Land Possession Certificate (LPC), and other applicable agreements, contracts notified or permitted by the state.
- Declaration about the crop sown/intended to be sown.
Frequently Asked Questions
I'm a tenant farmer without formal land ownership documents. Can I still apply for crop insurance under PMFBY if I can prove I cultivate the land?
My crops were damaged by unseasonal rains after harvesting while drying in the field. Does PMFBY cover such losses?
What is the exact premium rate for Kharif paddy, and how is the government subsidy calculated?
If a drought prevents me from sowing crops despite preparation, what percentage of compensation can I claim?
I farm in Himachal Pradesh. Do I need to pay any premium for my apple crop under PMFBY?
Can I claim compensation if my entire village faced crop damage from a landslide, but neighboring villages were unaffected?
How long after reporting crop damage should I expect to receive the claim amount?
If I've taken a bank loan for farming, do I need to separately apply for PMFBY, or is it automatic?
What happens if I'm unable to pay the premium online due to technical issues on the last date?
If I've already registered on the PMFBY portal last season, do I need to create a new registration for this season?
I discovered pest damage in my field but couldn't document it immediately due to hospitalization. Will my claim be rejected?
How can I ensure my claim isn't rejected due to wrong information if the CSC operator fills my form?
If my crop loss assessment shows 60% damage but I'm not satisfied with the evaluation, what's the grievance process?
Does PMFBY cover damage from wild animals or fire caused by neighboring fields?
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Check Eligibility
Ministry Of Agriculture and Farmers Welfare
Pradhan Mantri Fasal Bima Yojna (PMFBY)
- To provide financial assistance and support to farmers suffering from crop damage or loss arising out of unforeseen events.
- To stabilise the income of farmers and ensure continuance in farming.
- To encourage the farmers to adopt modern and innovative agricultural practices.
- To ensure crop diversification, and credit-worthiness of the farmers, enhance growth and competitiveness of the agriculture sector and protect the farmers from production risks.
Share
News and Updates
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