Pradhan Mantri Fasal Bima Yojana (PMFBY)

Comprehensive crop insurance shield against yield loss due to non-preventable natural risks.

Ministry: Ministry of Agriculture & Farmers Welfare (Credit and Insurance Division)

Verified Government GatewayDomain: pmfby.gov.in

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Scheme Overview

Pradhan Mantri Fasal Bima Yojana (PMFBY) is the flagship crop insurance scheme of the Government of India. It provides a comprehensive insurance cover against failure of the crop, thus helping in stabilising the income of the farmers and encouraging them to adopt innovative practices. Farmers pay a very minimal premium (2% for Kharif crops, 1.5% for Rabi food and oilseed crops, and 5% for commercial/horticultural crops), with the balance premium subsidized equally by Central and State Governments.

Target Beneficiaries

All farmers growing notified crops in notified areas (both loanee and non-loanee)

Assistance / Benefit Type

Crop Loss Insurance Compensation

Key Benefits & Financial Assistance

Ultra-low farmer premium: Only 1.5% to 2% for foodgrain and oilseeds, 5% for annual commercial crops.
No upper cap on government subsidy; full insured sum settled upon crop failure.
Covers comprehensive lifecycle risks: Prevented sowing, mid-season adversity, post-harvest losses, and localized calamities like hailstorms and landslides.
Claim estimation using satellite imagery, drones, and smartphone crop-cutting experiments.

Eligibility Criteria

Ensure you satisfy all the following government conditions before applying:

1All farmers growing notified crops in notified areas as declared by State Governments.
2Includes owner cultivators, tenant farmers, and sharecroppers.
3Both loanee farmers (with active KCC crop loans) and non-loanee farmers are eligible.
4Must enroll prior to the seasonal cut-off deadline set for the Kharif/Rabi cycle.

Documents Required Checklist

Keep clear digital scanned copies (PDF or JPG under 200 KB) ready:

Aadhaar Card of the farmer

Land Record Documents (Khata / Khasra / Patta / Tenancy Agreement)

Bank Account details / Passbook copy with IFSC

Sowing Certificate issued by local Patwari or Village Administrative Officer

How to Apply (Official Process)

Visit PMFBY Portal

Navigate to pmfby.gov.in and click on 'Farmer Corner'.

Register or Login

Enter Crop and Land Details

Select State, District, Sub-District, Crop Season (Kharif/Rabi), and select the notified crop you have sown.

Upload Documents & Calculate Premium

Upload land record copy and sowing certificate. The system automatically computes your nominal farmer premium.

Pay Premium Online

Pay the premium via UPI, Netbanking, or Debit Card to download your insurance policy receipt instantly.

Proceed to Official Registration Portal

Frequently Asked Questions about PMFBY

How do I report crop damage due to sudden hailstorms or flooding?

Farmers must report localized crop damage within 72 hours of the event using the 'Crop Insurance App' or by calling the PMFBY helpline 14447.

Is crop insurance compulsory for Kisan Credit Card (KCC) holders?

No, PMFBY was made voluntary for all farmers, including loanee KCC borrowers. Farmers who do not wish to be covered can submit an opt-out form to their bank.

Scheme Factsheet

Classification:

Central Government Scheme

Applicable Region:

All India

Target Category:

Farmers & Agriculture

Maximum Benefit:

₹2.0 Lakh

Application Timeline:

Cut-off dates are notified by each state, usually around 31 July for Kharif and 31 December for Rabi, and are often extended. Check pmfby.gov.in or your bank before the deadline.