UP Machhuwa Durghatana Bima Yojana (Fishermen Accidental Insurance)
Uttar Pradesh fishermen welfare scheme providing free ₹5,00,000 accidental death/disability insurance coverage and ₹25,000 hospital allowance.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
Over 2.5 Lakh traditional fishermen covered across Uttar Pradesh rivers and reservoirs
As of: 2026-01-31PIB / Official Citation ↗Verified Eligibility Criteria
Resident of Uttar Pradesh actively engaged in fishing, fish seed rearing, or allied fisheries activities in rivers, reservoirs, or ponds.
Required Documents Checklist
Verify readiness before applying for UP Machhuwa Durghatana Bima Yojana (Fishermen Accidental 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 UP Machhuwa Durghatana Bima Yojana (Fishermen Accidental 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
Register as a certified fisherman on the UP Fisheries portal (fisheries.up.gov.in) through local Matsya Sahkari Samiti.
- 2
Directorate enrolls verified fishermen in the master group insurance policy.
- 3
In case of accident, nominee submits claim along with FIR, hospital report, or death certificate to District Fisheries Officer.
- 4
Claim amount settled directly to nominee bank account via insurance provider.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Natural death (non-accidental), self-inflicted injury, or lack of certified fisherman registration.
Official Government Application Portal
You will be redirected to the secure official portal: fisheries.up.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.
Do fishermen have to pay any insurance premium?
No, the entire insurance premium is paid by the Government of Uttar Pradesh; coverage is 100% free for the fishermen.
Source: Official Scheme FAQ ↗What is the sum insured under the scheme?
₹5,00,000 for accidental death or permanent total disability, and ₹2,50,000 for permanent partial disability.
Source: Official Scheme FAQ ↗How soon must an insurance claim be reported after an accident?
The accident should be reported within 90 days to the local District Fisheries Officer with relevant medical or police reports.
Source: Official Scheme FAQ ↗Who is eligible to apply for UP Machhuwa Durghatana Bima Yojana (Fishermen Accidental Insurance)?
Eligible applicants must satisfy official government criteria for UP Machhuwa Durghatana Bima Yojana (Fishermen Accidental Insurance). Age: min 18 max 70 years. Conditions: Resident of Uttar Pradesh actively engaged in fishing, fish seed rearing, or allied fisheries activities in rivers, reservoirs, or ponds..
Source: Official Scheme FAQ ↗Can I track my UP Machhuwa Durghatana Bima Yojana (Fishermen Accidental Insurance) application status?
Application status for UP Machhuwa Durghatana Bima Yojana (Fishermen Accidental Insurance) can typically be tracked through the official portal at fisheries.up.gov.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline or visit your nearest Common Service Centre (CSC).
What should I do if my UP Machhuwa Durghatana Bima Yojana (Fishermen Accidental 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 UP Machhuwa Durghatana Bima Yojana (Fishermen Accidental 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
Natural death (non-accidental), self-inflicted injury, or lack of certified fisherman registration.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-18 | scheme_type | state | Official Source ↗ |
| 2026-10-06 | ministry_id | 150 | Official Source ↗ |
| 2026-09-21 | initial_verification | Baseline verification of UP Machhuwa Durghatana Bima Yojana (Fishermen Accidental Insurance) guidelines, eligibility, and state portal integration. | Official Source ↗ |
⚖Compare with Similar Schemes
Side-by-side eligibility, benefit, and effort comparison:
Application Window & Deadlines
Continuous registration through District Fisheries Offices and Fishermen Cooperatives
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 28d ago from .gov.in source
Requires documentation or office visit
Related Welfare Programs
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National flagship scheme for fisheries development providing 40% to 60% capital subsidies for aquaculture, marine fishing boats, cold storage, and fish farming infrastructure.
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 UP Machhuwa Durghatana Bima Yojana (Fishermen Accidenta...
Official Source ↗Schemes You Can Stack With This
Complementary programs with non-conflicting eligibility that you can claim concurrently:
Official Helpline & Nodal Offices
Directorate of Fisheries, Welfare Cell
Matsya Bhawan, 7 Faizabad Road, Lucknow, Uttar Pradesh 226007
Helpline: 0522-2287474
Jurisdiction: State (Uttar Pradesh)Notice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-09-21 against official government documentation.
Eligo is an independent information platform unaffiliated with any government body. Always confirm latest terms directly on the official portal.