Pradhan Mantri Fasal Bima Yojana (PMFBY)

यह क्या है?

Pradhan Mantri Fasal Bima Yojana is the central government's crop insurance scheme. If a crop is damaged or lost because of things outside a farmer's control, the insurance company pays a claim so the family does not lose everything it spent on the season.

The farmer pays only a small part of the insurance premium. According to the published rates, the farmer's share is 2% of the sum insured for kharif food and oilseed crops, 1.5% for rabi food and oilseed crops, and 5% for yearly commercial and horticultural crops. The remaining premium is paid by the Central and State governments, shared 50:50 between them (90:10 for North Eastern and Himalayan States).

The published risks covered include yield loss from natural events such as drought, flood, cyclone and hailstorm, damage from pests and plant diseases, prevented sowing, post-harvest losses for crops kept in the field for up to 14 days after harvest, and localised calamities such as hailstorm and landslide.

A common misunderstanding is that the scheme is compulsory. It is not. Enrolment has been voluntary, and farmers who have taken a crop loan may have the premium deducted from that loan unless they opt out; farmers without a loan enrol on their own through a bank, a Common Service Centre or the National Crop Insurance Portal.

Another point often confused: PMFBY is not the same as the Restructured Weather Based Crop Insurance Scheme (RWBCIS). RWBCIS runs alongside PMFBY and calculates payouts from weather data instead of measured crop yield.

संभावित लाभ

The benefit is an insurance claim paid against the sum insured for the notified crop when a covered loss occurs. The farmer's own premium is capped at 2% of the sum insured for kharif food and oilseed crops, 1.5% for rabi food and oilseed crops, and 5% for annual commercial and horticultural crops; Central and State governments pay the balance of the actuarial premium. The sum insured varies by crop, district and season, so no single rupee figure applies nationally.

कौन आवेदन कर सकता है?

सरकार द्वारा बताई गई अन्य शर्तें

• The scheme is open to farmers growing notified crops in notified areas, including sharecroppers and tenant farmers as per the operational guidelines.
• Enrolment is voluntary for all farmers.
• Farmers who have taken a Kisan Credit Card or seasonal agricultural crop loan are covered through the lending bank unless they opt out in writing.
• Non-loanee farmers enrol on their own during the enrolment window for the season.
• Coverage is only for crops notified by the State government for that season and area.

पात्रता संबंधी जानकारी केवल सूचना के उद्देश्य से दी गई है। अंतिम पात्रता और स्वीकृति का निर्णय संबंधित सरकारी प्राधिकरण करता है।

आवेदन कैसे करें

Non-loanee farmers can enrol on the National Crop Insurance Portal at pmfby.gov.in, or through a bank branch, a Common Service Centre or an authorised insurance intermediary, before the cut-off date notified for that crop and season. Loanee farmers are enrolled by the bank that gave the crop loan, and the premium is deducted from the loan account unless the farmer opts out. Claims are processed on the National Crop Insurance Portal using yield data collected through crop cutting experiments.

आवेदन कहाँ करें: online, bank and csc

अंतिम तिथि

हम किसी आधिकारिक स्रोत से मौजूदा अंतिम तिथि की पुष्टि नहीं कर पाए। आवेदन से पहले जाँच लें।