Sarkari Yojana
National Agriculture Insurance Scheme
About National Agriculture Insurance Scheme
The Government of India introduced the National Agriculture Insurance Scheme (NAIS) to give farmers comprehensive insurance cover and financial support against crop losses from natural calamities, pests, and diseases, aiming to stabilise farm incomes and encourage modern farming practices.
Key Features
1. Coverage for food crops, oilseeds, and selected commercial/horticultural crops. 1. Protection against crop loss due to natural calamities such as drought, flood, hailstorm, cyclone, pests, and diseases. 1. Coverage for different stages of the crop life cycle:
- Sowing/planting risk.
- Standing crop losses.
- Post-harvest losses (due to specified perils).
- Losses due to localized risks like hailstorms and landslides.
1. Subsidized premiums for small and marginal farmers. 1. Availability of the scheme across notified areas and seasons.
Claim Process
- Reporting Losses: Notify the local agriculture office or insurer within 48 hours of the incident.- Assessment: A joint team of local authorities and insurance company representatives assesses the loss.- Claim Settlement: Once verified, claims go straight into the farmer’s bank account
Scheme Overview
Central Government
Ministry Of Agriculture and Farmers Welfare
Individual
Scheme Details
Eligibility Requirements
To qualify for National Agriculture Insurance Scheme, applicants must satisfy the following conditions:
Loanee Farmers:
Farmers taking seasonal agricultural operations (SAO) loans from…
Farmers taking seasonal agricultural operations (SAO) loans from financial institutions (banks, co-operative societies, etc.) are automatically covered under the scheme.
Coverage for loanee farmers is compulsory, with premiums…
Coverage for loanee farmers is compulsory, with premiums deducted from the loan amount. Non-Loanee Farmers:
Non-loanee farmers can apply for coverage voluntarily
Non-loanee farmers can apply for coverage voluntarily.
Applications must be submitted before each crop season's…
Applications must be submitted before each crop season's deadline. Notified Crops and Areas:
The government announces the insured crops and applicable…
The government announces the insured crops and applicable areas each year.
Benefits Provided
National Agriculture Insurance Scheme provides the following benefits to eligible applicants:
Comprehensive Crop Coverage:
Protects against crop loss from natural calamities (floods,…
Protects against crop loss from natural calamities (floods, droughts, hailstorms), pests, diseases, and localised risks.
Covers sowing, standing crops, and post-harvest losses
Covers sowing, standing crops, and post-harvest losses. Subsidized Premiums for Small Farmers:
Small and marginal farmers get premium subsidies, making…
Small and marginal farmers get premium subsidies, making the scheme affordable for them. Affordable Premiums for All Farmers:
Low premium rates apply to both loanee and…
Low premium rates apply to both loanee and non-loanee farmers, with premiums deducted from agricultural loans. Quick Claim Settlement:
Claims are processed fast and paid directly into…
Claims are processed fast and paid directly into the farmer's bank account. Encourages Better Farming Practices:
Promotes risk mitigation and modern agricultural practices, raising…
Promotes risk mitigation and modern agricultural practices, raising productivity. Wide Crop Coverage:
Covers food crops, oilseeds, and horticultural crops, protecting…
Covers food crops, oilseeds, and horticultural crops, protecting most farmers. Nationwide Accessibility:
Available to farmers across the country, acting as…
Available to farmers across the country, acting as a national safety net. Premium Rates
Food crops and oilseeds
Food crops and oilseeds:
Kharif crops
Kharif crops: 3.5% of the sum insured.
Rabi crops
Rabi crops: 1.5% of the sum insured.
Commercial and horticultural crops
Commercial and horticultural crops: actuarial premium rates apply.
Small & Marginal farmers get a 10% premium…
Small & Marginal farmers get a 10% premium subsidy, shared between the State Government and the Government of India
Documents Required
Applicants should keep the following documents ready before starting the application:
The farmer's Aadhaar card, or another valid identity…
The farmer's Aadhaar card, or another valid identity document.
Land records proving ownership, or a tenancy agreement…
Land records proving ownership, or a tenancy agreement for leased land.
A certificate confirming the crop was sown, where…
A certificate confirming the crop was sown, where this is asked for.
Details of the bank account into which claims…
Details of the bank account into which claims will be paid.
How to Apply
Offline Application
Applicants can apply for National Agriculture Insurance Scheme through the offline application process outlined below.
Application Process
Application Process for Loanee Farmers
Step-1: Loanee farmers visit the nearest bank or primary agricultural cooperative society (PACS) branch where they took their loan.
Step-2: The bank automatically enrols the farmer under NAIS.
Step-3: Premiums are deducted directly from the loan amount at disbursement
Application Process for Non-Loanee Farmers
Step-1: Visit the Bank or Insurance Office
Go to the nearest branch of a bank offering NAIS, or the office of an authorised insurance company providing NAIS coverage.
Step-2: Fill the Application Form
Complete the National Agriculture Insurance Scheme application form.
Step-3: Provide Required Documents
Submit the required documents, such as:
Aadhaar card or any government-issued identity proof.
Proof of land ownership or tenancy.
Crop sowing details (if applicable).
Bank account details for claim disbursement.
Step-4: Pay the Premium
Pay the premium amount at the time of application, based on the crop type and coverage chosen.
Contact for Assistance
For help during the application process, or with any questions, contact:
Toll-Free Helpline: 1800-180-1551
Email: pmfby-support@gov.in
Website: https://www.pmfby.gov.in/
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.