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ActiveCentral Sector SchemeLaunched 2016-01-13Verified: 2026-09-16

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Comprehensive agricultural crop insurance covering yield loss from pre-sowing to post-harvest perils at ultra-low farmer premiums of 1.5% to 2%.

Government Levelcentral Government
Administering BodyMinistry of Agriculture and Farmers Welfare
Beneficiary Sector
Farmers & Agriculture
Applicable Jurisdiction
All India

₹Benefits & Entitlement Breakdown

Comprehensive risk coverage against non-preventable natural risks (drought, dry spells, flood, inundation, pests, diseases, hailstorm, cyclone, unseasonal rains). Uniform low farmer premium: Kharif food & oilseed crops: Max 2.0% of Sum Insured; Rabi food & oilseed crops: Max 1.5% of Sum Insured; Annual commercial / horticultural crops: Max 5.0% of Sum Insured. Remaining actuarial premium is subsidized equally by Central and State Governments. Full sum insured payable without capping.

📊Budget Allocation & Beneficiary Reach

Fiscal Budget Allocation

₹14,600 Crore (Union Budget FY 2024-25 allocation for PMFBY)

Official Budget Document ↗
Verified Beneficiary Reach

55+ Crore farmer applications insured, ₹1.6+ Lakh Crore claims paid

As of: 2024-03-31PIB / Official Citation ↗

Verified Eligibility Criteria

Age Requirement:Minimum 18 years
Annual Family Income Ceiling:No gross income ceiling specified
Target Occupations:farmer, sharecropper, tenant_farmer
Eligible Gender:all
Social Category / Reservation:all
Specific Operational Conditions & Exclusions:

All farmers growing notified crops in notified areas, including sharecroppers and tenant farmers. Completely voluntary for both loanee and non-loanee farmers. Cut-off dates for crop insurance enrollment strictly enforced per agricultural season.

Required Documents Checklist

  • ✓
    Aadhaar CardMandatory

    Mandatory identity proof.

  • ✓
    Land Possession Certificate (LPC) / Record of Rights (RoR / Khatauni)Mandatory

    Proof of cultivable landholding in notified area.

  • ✓
    Sowing Certificate / Crop Sowing DeclarationMandatory

    Issued by Patwari / Village Revenue Officer confirming sown crop.

  • ✓
    Aadhaar-seeded Bank Account Passbook with IFSCMandatory

    For receiving claim settlement via DBT.

  • ✓
    Tenant Agreement / Sharecropper AffidavitOptional / Supporting

    Mandatory only for non-owner tenant cultivators.

How to Apply

1. Visit the official PMFBY National Crop Insurance Portal (https://pmfby.gov.in) or use the Crop Insurance App. 2. Click on "Farmer Corner" and register with mobile number and Aadhaar. 3. Select State, Scheme (PMFBY), Season (Kharif/Rabi), Year, and select the notified crop and plot Survey/Khasra number. 4. Upload land records, sowing certificate, and bank passbook. 5. Pay the nominal farmer share of premium online or enroll through local Commercial Bank/CSC/Primary Agricultural Credit Society (PACS). 6. In the event of localized calamity or post-harvest loss, report within 72 hours via the Crop Insurance App or toll-free number 14447 for immediate survey.

Official Government Application Portal

You will be redirected to the secure official portal: pmfby.gov.in

Apply on official government website

Frequently Asked Questions (Officially Sourced)

Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.

Is PMFBY mandatory for loanee farmers holding a Kisan Credit Card (KCC)?

No. Enrolment in PMFBY was made completely voluntary for all farmers, including loanee farmers, starting from Kharif 2020. Loanee farmers can opt out by informing their bank 7 days prior to cut-off date.

Source: Official Scheme FAQ ↗

What is the reporting deadline for localized calamities like hailstorm or waterlogging?

Farmers must report localized calamity damage within 72 hours through the Crop Insurance App, toll-free number 14447, or to the local agriculture officer/bank.

Source: Official Scheme FAQ ↗

Are tenant farmers eligible for crop insurance under PMFBY?

Yes, tenant farmers and sharecroppers are eligible by providing a tenant declaration or land lease agreement certified by the revenue authority.

Source: Official Scheme FAQ ↗

Common Rejection Reasons & Warnings

Non-notified crop in the area; application submitted after seasonal cut-off date; discrepancy in sown area vs land record; failure to notify localized calamity within 72 hours.

Editorial Verification & Change Log

DateFieldDescription / UpdateSource Citation
2026-09-16initial_verificationBaseline verification of PMFBY operational guidelines, premium rates, and DigiClaim protocols.Official Source ↗

Application Window & Deadlines

Seasonal cut-off: July 31 for Kharif; December 31 for Rabi (notified per State)

Related Welfare Programs

Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)

Direct income support of ₹6,000 per year in three equal installments to landholding farmer families across India.

Pradhan Mantri Matsya Sampada Yojana (PMMSY)

National flagship scheme for fisheries development providing 40% to 60% capital subsidies for aquaculture, marine fishing boats, cold storage, and fish farming infrastructure.

Kisan Credit Card (KCC) Scheme

Institutional revolving credit facility providing farmers short-term agricultural loans up to ₹3 lakh at an effective interest rate of just 4% with interest subvention.

Official Helpline & Nodal Offices

PMFBY Central Management Cell, Department of Agriculture & Farmers Welfare

Krishi Bhawan, Dr. Rajendra Prasad Road, New Delhi - 110001

Helpline: 14447 (National Farmer Crop Insurance Helpline)

Jurisdiction: National (All-India)

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Verification Metadata

Last verified by Eligo researchers on 2026-09-16 against official government documentation.

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