Pradhan Mantri Fasal Bima Yojana (PMFBY) Subsidized Crop Credit Insurance
Comprehensive yield-loss insurance for food crops and oilseeds at heavily subsidized premium rates (1.5% to 2% paid by farmers, remainder borne by Government).
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
Annual central budgetary allocation exceeding ₹14,600 Crore
Official Budget Document ↗Over 56 Crore farmer applications insured with claims of ₹1.5+ Lakh Crore paid out
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
All farmers growing notified crops in notified areas (both loanee and non-loanee farmers including sharecroppers and tenant cultivators).
Required Documents Checklist
Verify readiness before applying for Pradhan Mantri Fasal Bima Yojana (PMFBY) Subsidized Crop Credit Insurance. Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(3)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for Pradhan Mantri Fasal Bima Yojana (PMFBY) Subsidized Crop Credit Insurance?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
🔒 Secure Razorpay Checkout • 100% Independent
Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Loan-holding farmers are enrolled automatically via bank branch (unless opting out 7 days prior to cut-off).
- 2
Non-loanee farmers apply online on National Crop Insurance Portal (pmfby.gov.in) or CSC.
- 3
Provide land record (RoR/Patta), sowing declaration, and Aadhaar-seeded bank account.
- 4
Claim assessments calculated automatically based on digital Crop Cutting Experiments (CCEs) and remote sensing data.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Application submitted past cut-off date, acreage mismatch between sown area and land record, or fraudulent multi-portal enrollment.
Official Government Application Portal
You will be redirected to the secure official portal: pmfby.gov.in
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Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
How much premium does a farmer have to pay for wheat or mustard?
For Rabi crops like wheat and mustard, the farmer pays a subsidized premium of only 1.5% of the total sum insured.
Source: Official Scheme FAQ ↗Within how many hours must localized crop damage be reported?
In case of localized perils (hailstorm, inundation, landslide), damage must be reported within 72 hours via the Crop Insurance App or toll-free helpline.
Source: Official Scheme FAQ ↗Can tenant farmers insure their crops without land ownership deeds?
Yes, tenant farmers and sharecroppers can submit a tenancy agreement or self-declaration counter-signed by the local revenue officer/Gram Panchayat.
Source: Official Scheme FAQ ↗Can I track my Pradhan Mantri Fasal Bima Yojana (PMFBY) Subsidized Crop Credit Insurance application status?
Application status for Pradhan Mantri Fasal Bima Yojana (PMFBY) Subsidized Crop Credit Insurance can typically be tracked through the official portal at pmfby.gov.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline at 1800-200-7710 or visit your nearest Common Service Centre (CSC).
What should I do if my Pradhan Mantri Fasal Bima Yojana (PMFBY) Subsidized Crop Credit Insurance payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving Pradhan Mantri Fasal Bima Yojana (PMFBY) Subsidized Crop Credit Insurance benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Application submitted past cut-off date, acreage mismatch between sown area and land record, or fraudulent multi-portal enrollment.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-19 | scheme_type | cs | Official Source ↗ |
| 2026-10-18 | grievance_helpline | 1800-200-7710 | Official Source ↗ |
| 2026-09-28 | initial_verification | Baseline verification of Pradhan Mantri Fasal Bima Yojana (PMFBY) Subsidized Crop Credit Insurance guidelines, benefits, and portal integration. | Official Source ↗ |
⚖Compare with Similar Schemes
Side-by-side eligibility, benefit, and effort comparison:
Application Window & Deadlines
Kharif season enrollment closes July 31; Rabi season enrollment closes December 31 annually
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 7d ago from .gov.in source
Apply online with minimal documents
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Comprehensive agricultural crop insurance covering yield loss from pre-sowing to post-harvest perils at ultra-low farmer premiums of 1.5% to 2%.
📅Scheme Milestone Timeline
Baseline verification of Pradhan Mantri Fasal Bima Yojana (PMFBY) Subsidized Cro...
Official Source ↗Schemes You Can Stack With This
Complementary programs with non-conflicting eligibility that you can claim concurrently:
Official Helpline & Nodal Offices
Department of Agriculture & Farmers Welfare
Krishi Bhawan, Dr. Rajendra Prasad Road, New Delhi 110001
Helpline: 011-23381170
Jurisdiction: NationalNotice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-10-12 against official government documentation.
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