फसल बीमा✓ 100% सरकारी समर्थितHimachal Pradeshसत्यापित: 2026-09-18 (180-दिवसीय SLA)
Agro-Climatic Zone 1 Western Himalayan Temperate Crop Cover
Tailored crop coverage for terrace cultivation, barley, off-season peas, and potato in cold arid and temperate hill zones.
बीमा सुरक्षा कवरेजHimalayan Hill Agro-Ecosystem Cover
प्रीमियम दर1.5% - 2% (Subsidized Farmer Share)
दावा निपटान अनुपात (CSR)94.8% (NCIP Official Record)
आरंभ वर्ष2016
🛡️मुख्य लाभ एवं सुरक्षा विवरण (Key Benefits)
Tailored crop coverage for terrace cultivation, barley, off-season peas, and potato in cold arid and temperate hill zones.
📋पात्रता की शर्तें (Eligibility Rules)
Hill farmers in Jammu, Kashmir, Ladakh, and Himachal Pradesh.
📂आवश्यक दस्तावेज (Required Documents)
Aadhaar Card, Land Record RoR, Sowing Certificate, Bank Account Details.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Caveats & Policy Exclusions)
Terrace erosion without crop loss not covered.
🚀आवेदन एवं दावा प्रक्रिया (How to Apply & Claim)
1. Verify village notified unit status on pmfby.gov.in. 2. Submit proposal via Bank / PACS / CSC before seasonal cutoff. 3. Keep sowing certificate and land records verified.