एलिगो (Eligo) सरकारी योजनाओं की खोज हेतु भारत का स्वतंत्र नागरिक सूचना मंच है — किसी भी सरकारी निकाय से संबद्ध नहीं।
भारतीय किसानों को प्राकृतिक जोखिमों — सूखा, बाढ़, ओलावृष्टि, कीट प्रकोप एवं बेमौसम चक्रवाती वर्षा से सुरक्षा प्रदान करने वाली सरकारी फसल बीमा योजनाओं की संपूर्ण मार्गदर्शिका।
कृषि क्षेत्र मौसम की अनिश्चितता और जलवायु परिवर्तन के प्रति अत्यधिक संवेदनशील है। कृषि एवं किसान कल्याण मंत्रालय द्वारा संचालित प्रधानमंत्री फसल बीमा योजना (PMFBY) एक व्यापक बहु-जोखिम फसल उत्पादन बीमा योजना के रूप में कार्य करती है।
किसान नाममात्र रियायती प्रीमियम का भुगतान करते हैं: खरीफ खाद्य एवं तिलहन फसलों के लिए बीमित राशि का 2%, रबी फसलों के लिए 1.5%, और वाणिज्यिक/बागवानी फसलों के लिए 5%। शेष प्रीमियम केंद्र और संबंधित राज्य सरकारों द्वारा 50:50 के अनुपात में वहन किया जाता है।
बागवानी और नकदी फसलों के लिए, पुनर्गठित मौसम आधारित फसल बीमा योजना (RWBCIS) स्वचालित मौसम केंद्रों पर दर्ज मापदंडों (वर्षा, तापमान, आर्द्रता) के आधार पर पारदर्शी और त्वरित दावा निर्धारण करती है।
Tailored crop coverage for terrace cultivation, barley, off-season peas, and potato in cold arid and temperate hill zones.
Yield protection for ragi, bajra, groundnut, and redgram against early dry spells in semi-arid southern plateau.
Specialized coverage for coastal paddy, coconut, and cashew against storm surges and monsoon depressions.
Rainfall aberration and fungal disease protection for pepper, cardamom, arecanut, and paddy in humid coastal plains.
Drought and late monsoon withdrawal protection for groundnut, cotton, sesame, and castor.
Tailored crop insurance for arid pearlmillet (bajra), moth bean, clusterbean (guar), and cumin against severe arid heat and locust swarms.
Yield risk coverage for island coconut, arecanut, banana, and spices against tropical cyclones and high wind shears.
Multi-peril protection for high-rainfall northeastern terrace rice, organic ginger, and high-altitude maize.
Protection against inundation of aman paddy, boro paddy, and jute crops in tidal and deltaic lower Bengal plains.
Comprehensive cover addressing high vulnerability to early dry spells followed by riverine flooding in northern Bihar and eastern UP.
Yield protection for intensive wheat-paddy-sugarcane crop rotation against unseasonal hail and canal breach waterlogging.
Crop loss protection for high-yielding wheat, basmati paddy, and mustard against March terminal heat waves and hailstorms.
Drought resilience protection for upland paddy, minor millets, niger, and pulses in undulating rocky soils.
Multi-peril insurance for rainfed soybean, chickpea, lentil, and coriander against severe drought cycles.
Tailored protection for rainfed cotton, pigeonpea (tur), and soybean in drought-prone Marathwada and Vidarbha.
Structural collapse of betel vine shades (boroj) and root wilt disease compensation.
100% state-funded crop assistance providing ₹7,500/ha for loss up to 20% and ₹10,000/ha for loss >20%.
Vannamei shrimp viral disease, oxygen crash, and cyclone flooding risk protection.
Mortality cover for Raika/Rebari pastoral camel herds, horses, and donkeys against epidemics.
Higher compensation scale factoring organic certification costs and bio-fertilizer investment for organic farmers.
Individual palm mortality cover against lightning, cyclone, storm, pest infestation (rhinon beetle).
Weather index insurance for Arabica and Robusta coffee growers in Western Ghats.
Angora rabbit wool and meat breeding stock mortality cover in temperate regions.
Subsidized cattle insurance for Amul and State Milk Federation cooperative dairy members.
Engine breakdown, collision, stranding, and sinking cover for ocean-going trawlers.
Comprehensive accidental damage, overturned tractor, third party liability, and fire insurance for agricultural machinery.
Sorghum, Lucerne, and Berseem fodder crop risk cover for pastoral and dairy farmers.
Polyhouse plastic film tear and micro-irrigation system damage caused by gale winds.
Zero-premium crop aid compensating up to ₹25,000/ha for drought, excess rain, and unseasonal rainfall.
Price deficit insurance compensating horticulture farmers if market price drops below benchmark cost.
Destruction of bee colonies, hives, and honey yield loss due to extreme winter, pest attack, and pesticide drift.
Freshwater fish and brackishwater shrimp crop mortality cover against flood, tidal surge, and white spot syndrome.
Aadhaar-seeded direct DBT compensation mapped to Bhoomi land records for drought and flood losses.
Statutory revenue code compensation up to ₹32,000/ha for extreme frost and hailstorm damage.
GPS-enabled camera panchnama disaster compensation for Marathwada and Vidarbha rain-affected farmers.
Total and partial loss of mechanized fishing boats, FRP canoes, and fishing gear due to rough sea and cyclones.
Enhanced yield guarantee and water-stress crop protection for farms operating under Gujarat Green Revolution Company (GGRC) drip systems.
Legacy transition framework covering certified seed production and specialized regional non-PMFBY crop trials.
Bamboo clumps mortality and fire damage insurance for commercial bamboo cultivators.
Death of crossbred cows and buffaloes due to accident, surgical disease, and epidemics. 50-70% premium subsidy.
Isabgol, Ashwagandha, and Senna herbal crop yield protection against unseasonal rains.
Fresh fruit bunch (FFB) yield protection against drought and cyclone for oil palm plantations.
Multi-peril insurance protecting sugarcane crops against red rot disease, pyrilla infestation, and riverine flood inundation.
State-specific PMFBY cluster implementation for major crops in Andhra Pradesh Free Scheme.
State-specific PMFBY cluster implementation for major crops in Arunachal Pradesh.
State-specific PMFBY cluster implementation for major crops in Assam.
State-specific PMFBY cluster implementation for major crops in Chhattisgarh.
State-specific PMFBY cluster implementation for major crops in Goa.
State-specific PMFBY cluster implementation for major crops in Gujarat State Implementation.
State-specific PMFBY cluster implementation for major crops in Haryana.
State-specific PMFBY cluster implementation for major crops in Himachal Pradesh.
State-specific PMFBY cluster implementation for major crops in Jammu & Kashmir.
State-specific PMFBY cluster implementation for major crops in Jharkhand Fasal Rahat Yojana.
State-specific PMFBY cluster implementation for major crops in Karnataka.
State-specific PMFBY cluster implementation for major crops in Kerala.
State-specific PMFBY cluster implementation for major crops in Madhya Pradesh.
State-specific PMFBY cluster implementation for major crops in Maharashtra (₹1 Scheme).
State-specific PMFBY cluster implementation for major crops in Manipur.
State-specific PMFBY cluster implementation for major crops in Meghalaya.
State-specific PMFBY cluster implementation for major crops in Mizoram.
State-specific PMFBY cluster implementation for major crops in Nagaland.
State-specific PMFBY cluster implementation for major crops in Odisha.
State-specific PMFBY cluster implementation for major crops in Punjab Agriculture Relief Framework.
State-specific PMFBY cluster implementation for major crops in Rajasthan.
State-specific PMFBY cluster implementation for major crops in Sikkim Organic Crop Scheme.
State-specific PMFBY cluster implementation for major crops in Tamil Nadu (Samba Special).
State-specific PMFBY cluster implementation for major crops in Telangana.
State-specific PMFBY cluster implementation for major crops in Tripura.
State-specific PMFBY cluster implementation for major crops in Uttar Pradesh.
State-specific PMFBY cluster implementation for major crops in Uttarakhand.
State-specific PMFBY cluster implementation for major crops in West Bengal Bangla Shasya Bima (BSB).
Yield loss protection against Pink Bollworm in Bt Cotton and cyclone waterlogging in eastern jute fields.
Specialized cluster coverage for rainfed Kharif paddy, jowar, bajra, and ragi with mid-season dry spell triggers.
Farm-specific loss assessment for localized calamities like hailstorm, landslide, inundation, cloudburst, and natural fire.
Immediate on-account payment up to 25% of likely claims during the crop season if adverse weather triggers expected yield loss > 50%.
Protection against white rust in mustard, aphid infestations, and drought stress in Kharif soybean and groundnut.
Compensation for crops kept in the field in cut-and-spread condition for drying up to 14 days after harvesting hit by cyclone or unseasonal rains.
Lump-sum compensation paid to farmers unable to sow notified crops due to deficit rainfall or adverse seasonal conditions exceeding 75% area.
Comprehensive yield assurance for pulse crops vulnerable to pod borer attack, wilt disease, and erratic monsoon.
Terminal heat stress and unseasonal winter rain protection for irrigated and dryland Rabi cereals and gram.
Mortality and culling compensation for commercial piggery farms in Northeast India.
Infrastructure damage to polyhouses and carnation/rose flower crops from windstorm and hailstorm.
Mortality cover for broilers and layer birds due to epidemics (Gumboro, Ranikhet) and natural disasters.
India's premier multi-peril yield crop insurance scheme offering subsidized actuarial premiums for foodgrains, pulses, and commercial crops.
Direct state input relief grant up to ₹15,000/acre for wheat lodging caused by March hailstorms.
Chilling hours deficit, hailstorm, and unseasonal rainfall protection for apple, peach, and plum orchards.
Flower drop due to unseasonal rain and high velocity cyclone winds for coastal cashew plantations.
Protection against excess moisture, humidity-induced thrips, and dry spells in Guntur and Prakasam belts.
Inadequate blossom showers (March-April) and excess monsoon rainfall cover for Kodagu and Chikkamagaluru estates.
Prolonged dry spells during boll formation and excess rain during boll bursting in Saurashtra.
Severe cold wave and temperature below 4°C trigger protection for western Rajasthan spice farmers.
Unseasonal hail, heavy downpour, and fungal weather risk index for Nashik and Solapur horticulture.
Critical rainfall deficit during flowering season (Oct-Nov) and frost protection for Pampore saffron.
High temperature, unseasonal rain, and dry spell index insurance for mango and citrus growers.
Dense fog duration and minimum temperature sub-zero frost trigger in Bharatpur and Rewari zones.
Excess consecutive rainfall trigger protecting onion harvests from bulb rot in Ahmednagar and Pune.
Covers minimum temperature drops causing frost damage and high humidity triggering late blight fungal epidemic.
Rainfall deficit and extended dry period protection for Idukki and Wayanad spice growers.
Rainfall deficit during first flush and soil moisture stress cover for Brahmaputra valley tea smallholders.
Extreme heatwave triggers causing blossom drop in Kolar and Chikkaballapur vegetable belts.
SDRF input subsidy disbursement for crop losses exceeding 33% due to drought or locust swarm attacks.
Weather parameters (excess rainfall, drought, frost, humidity, wind) triggered payout without waiting for crop cutting experiments.
Compensation for wind damage, fire, and pink disease in rubber trees under Rubber Board.
Silkworm rearing and cocoon loss protection against pebrine disease and temperature fluctuations.
Herd insurance for small ruminants protecting pastoralists and shepherds against disease and predator attacks.
Fennel (Saunf), Fenugreek (Methi), and Ajwain seed spice quality degradation cover.
Comprehensive protection for off-grid and grid-connected solar agricultural pumps against cyclone, hail damage, theft, and lightning.
Restoration subsidies for fallen coconut trees, paddy submersion, and saline flood rehabilitation.
Price volatility and pest attack revenue protection for small tea growers in Dooars and Darjeeling.
Fast-track input subsidy and disaster assistance for bundelkhand and flood-prone eastern UP districts.