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Pradhan Mantri Fasal Bima Yojana is the government crop insurance scheme in which the farmer pays a small fixed share of the premium, 2% of the sum insured for kharif food and oilseed crops, 1.5% for rabi crops and 5% for yearly commercial and horticulture crops, and the Union and state governments pay the rest. If notified crops in your area are hit by drought, flood, pests or similar causes, the claim is paid into your bank account.
The scheme is voluntary for every farmer, including those with crop loans. It covers only the crops and areas your state notifies for each season, so the first step is to check whether your crop and village are on the list.
At a glance
Run by
Ministry of Agriculture and Farmers Welfare, with state governments and empanelled insurersFarmer premium
2% kharif, 1.5% rabi, 5% annual commercial or horticulture cropsWho can join
Owner and tenant farmers growing notified crops in notified areasEnrolment
Voluntary, through the bank, a CSC, the insurer or pmfby.gov.inReport a local loss
Within 72 hours of the eventHelpline
14447 (Krishi Rakshak helpline)
How PM Fasal Bima Yojana works
Each season the state notifies which crops are insured in which area, the sum insured per hectare and the last date to enrol. You pay your share of the premium, the insurer issues cover, and losses are worked out mainly from crop cutting experiments that measure the actual yield in your area against a threshold yield.
Because area yield decides most claims, a whole village or block usually gets paid together. Individual farm checks happen only for local events like hailstorm or flooding of a single field, and for losses after harvest.
What the pradhan mantri fasal bima yojana covers
| Stage | Covered risk |
|---|---|
| Before sowing | Sowing prevented by deficient rain or bad weather across the area |
| Standing crop | Yield loss from drought, dry spell, flood, inundation, pests, diseases, landslide, natural fire, lightning, storm, hailstorm, cyclone |
| Mid season | Severe adversity during the season, with an on account payment to affected farmers |
| Local calamity | Hailstorm, landslide, inundation, cloud burst and natural fire hitting individual farms |
| After harvest | Cut and spread crop lying in the field to dry, damaged by cyclone, cyclonic rain or unseasonal rain within 14 days |
Losses from war, nuclear risk, malicious damage and other preventable causes are excluded.
Who can enrol and how
Any farmer, owner or tenant or sharecropper, growing a notified crop in a notified area can enrol. Tenant farmers need the papers the state asks for, such as a tenancy agreement or a certificate from the panchayat.
- Loanee farmers with a crop loan or Kisan Credit Card are enrolled through their bank unless they give a written opt out before the deadline the state sets.
- Non loanee farmers enrol at a CSC, a bank branch, an insurer's agent or directly on pmfby.gov.in.
Keep Aadhaar, the land record or tenancy paper, a sowing declaration and the bank passbook ready. Enrol before the cut-off date your state notifies for the season. Late applications are not accepted.
Claiming a loss
- For a local calamity or post harvest damage, inform within 72 hours. Use the Crop Insurance mobile app, the 14447 helpline, the insurer, your bank or the agriculture office.
- Give your policy or application number, crop, survey number and the cause of damage.
- The insurer and agriculture staff assess the field.
- For area wide losses you do not need to apply; claims are calculated from yield data.
- The claim goes straight to your bank account. Track it on the portal with your application number.
Problems and what to do
| Issue | Usual cause | Fix |
|---|---|---|
| Premium cut but no policy shown | Bank did not upload your details | Ask the branch for the upload slip and check the portal |
| Claim not paid though village had loss | Yield data still being processed | Ask the agriculture office for the area yield result |
| Local damage claim rejected | Reported after 72 hours | Report early next time and keep the docket number |
| Wrong crop recorded | Sowing declaration mismatch | Get it corrected before the deadline set for changes |
Complaints go first to the district grievance committee through the agriculture office, or to the 14447 helpline.
Frequently asked questions
Is pm fasal bima yojana compulsory for loan farmers?
No. Since the scheme was made voluntary, loanee farmers are enrolled by default but can opt out in writing before the state deadline.
What is the last date for fasal bima yojana?
Each state notifies its own cut-off date per season and crop. Check the notification on the official portal or at your bank or CSC well before sowing ends.
How much premium does a farmer pay in the pmfby scheme?
Kharif food grains and oilseeds carry a 2% farmer share, rabi crops 1.5%, and yearly cash or horticulture crops 5%, each counted on the sum insured.
Can a tenant farmer get crop insurance?
Yes, if the state accepts the tenancy proof it asks for. Ask at the CSC which papers your state needs.
How do I see the pradhan mantri fasal bima yojana list or my policy?
Use the application status option on pmfby.gov.in with your receipt number. Individual farmer lists are not published as village lists like PM Kisan.
Who decides my claim amount?
For most losses it is calculated from crop cutting yield data for your insurance unit. For local and post harvest damage it is assessed on your field.
Official sources
- PMFBY official portalpmfby.gov.in
- Ministry of Agriculture and Farmers Welfareagriwelfare.gov.in
Rules, amounts and portals can change. Check the official source before you apply or deposit.