Sarkari Yojana
Pradhan Mantri Fasal Bima Yojna (PMFBY)
About Pradhan Mantri Fasal Bima Yojna (PMFBY)
Launched on 18th February 2016 by the Department of Agriculture, Cooperation and Farmers’ Welfare, PMFBY is a crop insurance scheme built to shield farmers financially when crops are lost to natural disasters (hail, drought, famine), pests, or disease. It offers insurance at a low premium to every farmer in India, delivered through a network of insurance companies and banks, and today covers more than 50 crore farmers and upward of 50 different crops. Objectives
- Give farmers financial help and support when crops are damaged or lost due to unforeseen events.
- Keep farmer incomes stable so they can continue farming.
- Encourage farmers to adopt modern, innovative farming methods.
- Support crop diversification and farmer creditworthiness, and boost the agriculture sector’s growth, competitiveness, and protection against production risks.
Scheme Overview
Central Government
Ministry Of Agriculture and Farmers Welfare
Individual
18 Feb 2016
Scheme Details
Eligibility Requirements
To qualify for Pradhan Mantri Fasal Bima Yojna (PMFBY), applicants must satisfy the following conditions:
All farmers growing notified crops in notified areas…
All farmers growing notified crops in notified areas qualify, including tenant farmers and sharecroppers.
Farmers must have an insurable interest in the…
Farmers must have an insurable interest in the crops being insured.
A valid, authenticated land ownership certificate or land…
A valid, authenticated land ownership certificate or land tenure agreement is required.
The farmer must be cultivating or sharecropping the…
The farmer must be cultivating or sharecropping the insured land.
Insurance must be applied for within the prescribed…
Insurance must be applied for within the prescribed window, usually within two weeks of sowing beginning.
Farmers must not have already received compensation for…
Farmers must not have already received compensation for the same crop loss from any other source.
Benefits Provided
Pradhan Mantri Fasal Bima Yojna (PMFBY) provides the following benefits to eligible applicants:
Affordable Premiums:
Farmers pay at most 2% for Kharif food and oilseed crops, 1.5% for Rabi food and oilseeds, and 5% for annual commercial or horticultural crops; the government subsidises the rest.
In the North-Eastern States, Jammu, Kashmir, and Himachal…
In the North-Eastern States, Jammu, Kashmir, and Himachal Pradesh, the government covers the entire premium.
Comprehensive Coverage:
Covers natural disasters (droughts, floods), pests, and diseases, plus post-harvest losses caused by local risks such as hailstorms and landslides.- Timely Compensation: Claims are processed within two months of harvest so farmers get paid quickly and avoid falling into debt.- Technology-Driven Implementation: Satellite imagery, drones, and mobile apps help estimate crop loss precisely and settle claims accurately. RISKS COVERED
Yield Losses (Standing Crops):
Covers non-preventable risks affecting standing crops — natural fire and lightning; storms, hailstorms, tornadoes; floods, inundation, and landslides; pests and diseases; and drought.- Prevented Sowing: If unfavourable weather stops most insured farmers in a notified area from sowing or planting after they've already spent money preparing to do so, they can claim indemnity of up to 25% of the sum insured.- Post-harvest Losses: Covered on an individual-farm basis for up to 14 days after harvest, for crops left to dry in "cut and spread" condition in the field — meaning farmers are covered if cyclones or cyclonic rain destroy crops during this sun-drying stage.- Localised Calamities: Covered on an individual-farm basis for losses from localised hazards — hailstorms, landslides, and inundation — affecting scattered farmlands within a notified area.
Documents Required
Applicants should keep the following documents ready before starting the application:
Passport-size photograph
Passport-size photograph.
Passbook
Passbook.
Identity proof (Aadhaar Card/PAN Card/Voter ID/Bank passbook with…
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…
Address proof (Aadhaar Card/PAN Card/Voter ID/Electricity bill/Bank passbook with photo).
Land records as per the State Record of…
Land records as per the State Record of Rights (RoR), Land Possession Certificate (LPC), or other agreements/contracts the state notifies or permits.
Declaration of the crop sown or intended to…
Declaration of the crop sown or intended to be sown.
2016-02-18
How to Apply
Online Application
Applicants can apply for Pradhan Mantri Fasal Bima Yojna (PMFBY) through the online application process outlined below.
Application Portal: Open Application Portal ↗
Go to the Official Website of "Pradhan Mantri…
Go to the Official Website of "Pradhan Mantri Fasal Bima Yojana".
Select "Farmer Corner" at the top right of…
Select "Farmer Corner" at the top right of the homepage. In the popup, select "Guest Farmer" to reach the Online Registration Form. Already registered? Skip ahead to Step 4.
Complete the mandatory fields (marked with a red…
Complete the mandatory fields (marked with a red asterisk) on the Registration Form: "FARMER DETAILS" Section: Full Name, Passbook Name, Relationship, Relative Name, Mobile No., Age, Caste Category, Gender, Farmer Type, Farmer Category. "RESIDENTIAL DETAILS" Section: State, District, Sub District, Residential Village/Town, Address, PIN Code. "FARMER ID" Section: ID Type, ID No. "ACCOUNT DETAILS" Section: IFSC, Bank Name, Branch Name, Savings Bank A/C No., Confirm Savings Bank A/C No. Enter the Captcha at the bottom and select "Create User".
After registering, select "Farmer Corner (Apply for Crop…
After registering, select "Farmer Corner (Apply for Crop Insurance Yourself)". In the popup, select "Login for Farmer" to reach the Login Page. https://pmfby.gov.in/farmerLogin
On the Login Page, enter your mobile number…
On the Login Page, enter your mobile number and Captcha, then select "Request for OTP". Enter the OTP sent to your registered mobile and select "Submit" to reach the "Farmer Application Form".
Fill in every mandatory field and upload all…
Fill in every mandatory field and upload all required documents in the specified format and size. Select "Preview" to check everything you've entered and uploaded, then "Submit" to send in the application. A confirmation message will follow.
A popup then offers "Pay Later" and "Make…
A popup then offers "Pay Later" and "Make Payment". Choose "Pay Later" if you plan to pay the premium later, or "Make Payment" to pay now.
Once payment is made, you can print the…
Once payment is made, you can print the payment receipt. Track Your Application Track your application's status on the PMFBY website via the 'Application Status' option on the home page.
Offline Application
Applicants can apply for Pradhan Mantri Fasal Bima Yojna (PMFBY) through the offline application process outlined below.
Visit the nearest participating bank or insurance office…
Visit the nearest participating bank or insurance office and ask staff for the prescribed application form.
Fill in all mandatory fields, paste on your…
Fill in all mandatory fields, paste on your passport-size photo (signing across it if required), and attach copies of every required document (self-attested if required).
Submit the completed, signed form and document copies…
Submit the completed, signed form and document copies to staff, and pay the applicable premium at the office.
You'll be given an application reference number to…
You'll be given an application reference number to track your application's progress. Track Your Application Track your application's status on the PMFBY website via the 'Application Status' option on the home page.
Online - via CSC Application
Applicants can apply for Pradhan Mantri Fasal Bima Yojna (PMFBY) through the online - via csc application process outlined below.
Visit your nearest Common Service Centre (CSC) —…
Visit your nearest Common Service Centre (CSC) — government-authorised centres offering citizen services.
Tell the Village Level Entrepreneur (VLE) you want…
Tell the Village Level Entrepreneur (VLE) you want to apply for PMFBY, and let them know if you need help with the application or want them to apply on your behalf.
Give the VLE the mandatory field information and…
Give the VLE the mandatory field information and soft copies of the required documents.
Once your application is submitted, pay the applicable…
Once your application is submitted, pay the applicable premium to the VLE; the amount depends on the crop, area, and other factors.
Get an acknowledgement receipt from the VLE as…
Get an acknowledgement receipt from the VLE as proof you applied. Track Your Application Track your application's status on the PMFBY website via the 'Application Status' option on the home page. * Hold on to copies of all submitted documents and the acknowledgement receipt for later reference. * Note down the CSC centre's contact details in case you need help or have questions.
Exclusions / Who Is Not Eligible
> **Non-Notified Areas**
PMFBY applies to notified areas, and crop losses in non-notified areas are generally not covered. Farmers in areas not designated under the scheme may not receive compensation.
> **Losses Outside the Crop Cycle**
Crop losses occurring outside the specified crop cycle are often excluded from coverage. If a loss is not directly related to the growing season, it may not be eligible for compensation.
> **Negligence and Non-Compliance**
Losses resulting from farmer negligence, non-compliance with recommended agricultural practices, or failure to protect the crop adequately may be excluded.
> **Losses Beyond Specified Limits**
Some losses beyond specified limits or thresholds may not be covered. The scheme may have predefined criteria for determining the extent of loss that qualifies for compensation.
> **Non-Premium Payment**
Farmers who fail to pay their premium contributions as required may not be eligible for coverage. Non-payment of premiums can result in the cancellation of insurance.
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.