Pradhan Mantri Fasal Bima Yojana (PMFBY) — National Framework
India's premier multi-peril yield crop insurance scheme offering subsidized actuarial premiums for foodgrains, pulses, and commercial crops.
🛡️मुख्य लाभ एवं सुरक्षा विवरण (Key Benefits)
Comprehensive yield loss protection for foodgrains, pulses, oilseeds, and horticultural crops. Protects against: prevented sowing/germination, standing crop losses (drought, flood, pests), mid-season localized adversity (hailstorm, landslide, cloudburst), and post-harvest losses up to 14 days for crops dried in cut-and-spread condition.
📋पात्रता की शर्तें (Eligibility Rules)
All farmers including sharecroppers and tenant farmers growing notified crops in notified insurance units. Completely voluntary for both loanee (KCC) and non-loanee farmers.
📂आवश्यक दस्तावेज (Required Documents)
Aadhaar Card, Land Record Certificate (Khasra/Khatauni / 7/12 extract / Patta), Sowing Certificate from Village Revenue Officer/Agriculture Officer, Bank Account Passbook.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Caveats & Policy Exclusions)
Losses from nuclear risks, riots, malicious damage, and domestic animal grazing are strictly excluded. For localized calamities, failure to notify within 72 hours on the Crop Insurance App or Kisan Call Centre will invalidate the claim. Harvest losses left in bundles rather than spread condition are not covered.
🚀आवेदन एवं दावा प्रक्रिया (How to Apply & Claim)
1. Check notified crop and cut-off dates on pmfby.gov.in. 2. Apply online at National Crop Insurance Portal or visit Bank / Primary Agricultural Credit Society (PACS) / CSC. 3. Submit land ownership record (RoR), sowing certificate, and bank details. 4. Pay nominal farmer premium share (1.5% - 5%) to receive insurance policy receipt.