Pradhan Mantri Fasal Bima Yojana (PMFBY)
India's flagship crop insurance scheme — farmers pay a fixed low premium (2% Kharif, 1.5% Rabi, 5% horticulture) while the government subsidises the rest, covering losses from natural calamities, pests and disease.
ଏହି ଯୋଜନା ବିଷୟରେ
PMFBY provides comprehensive, affordable crop insurance from pre-sowing to post-harvest stages, protecting farmers against yield loss due to droughts, floods, hailstorms, pests and disease. Farmers only pay a small, fixed share of the premium — 2% for Kharif crops, 1.5% for Rabi crops and 5% for annual commercial/horticultural crops — while the Central and State governments jointly subsidise the remaining actuarial premium. Claims are settled directly to the farmer's bank account through DBT, and localised or on-the-spot crop damage (including, from recent seasons, damage from wild animal attacks in notified areas) can be reported within 72 hours of the event for assessment.
ଯୋଗ୍ୟତା
- All farmers, including sharecroppers and tenant farmers, growing notified crops in notified areas
- Compulsory for farmers with crop loans (loanee farmers) for notified crops; voluntary for others
- Valid land records or a tenancy/crop-sharing agreement where applicable
ଆବଶ୍ୟକ ଡକ୍ୟୁମେଣ୍ଟ
- Aadhaar card
- Land records (khasra/khatauni) or tenant farmer agreement
- Bank passbook with IFSC code
- Sowing declaration / proof of crop sown
କିପରି ଆବେଦନ କରିବେ
Apply online at pmfby.gov.in under 'Farmer Corner' before the notified cut-off date for the Kharif or Rabi season in your state (deadlines vary by state and crop). You can also apply through your bank (if you have a crop loan), a Common Service Centre, or an empanelled insurance company. To report crop damage, use the 'Report Crop Loss' option on the portal or app within 72 hours of the event. For help, call the PMFBY helpline on 14447.