Main Benefit
Farmers pay a low, fixed premium rate — 2% for Kharif crops, 1.5% for Rabi crops, and 5% for annual commercial and horticultural crops. The remaining premium is shared by the central and state governments. In case of crop loss due to notified perils (natural calamities, pests, diseases, post-harvest losses, localized calamities), farmers receive insurance claims directly in their bank accounts.
Eligibility
- All farmers including sharecroppers and tenant farmers growing notified crops in notified areas
- Farmers with land records or those who can provide proof of cultivation
- Loanee farmers (those with crop loans) are automatically covered if the crop is notified
- Non-loanee farmers can opt in voluntarily during the enrollment period
- The scheme is available only in states/UTs that have opted to implement it
Required Documents
- Aadhaar card
- Bank account details with account number and IFSC code
- Land records or proof of cultivation (pattadar passbook, land lease agreement, or similar)
- Crop loan account details (for loanee farmers)
- Sowing/planting certificate or self-declaration of sowing
- Mobile number for OTP verification
How to Apply
Loanee farmers are automatically enrolled when they take a crop loan from a bank for a notified crop in a notified area. Non-loanee farmers can apply through Common Service Centres (CSCs), bank branches, or the official PM Fasal Bima portal during the enrollment period. The enrollment window is time-bound and varies by season and state — check current dates before applying.
How to Check Status
Farmers can check their enrollment status, premium details, and claim status on the official PM Fasal Bima portal at pmfby.gov.in using their Aadhaar number, mobile number, or application reference number. The portal also shows notified crops, premium rates, and claim settlement details.
Official Government Source
Verify with Official Source
Important: Scheme rules, benefits, and deadlines can change. Always verify current information with the official government source linked above before applying.
Frequently Asked Questions
What is PM Fasal Bima Yojana?
PM Fasal Bima Yojana is a crop insurance scheme launched by the Government of India to protect farmers against crop loss due to natural calamities, pests, diseases, and other notified perils. Farmers pay a low premium and the government subsidizes the balance.
How much premium do farmers pay?
Farmers pay 2% of the sum insured for Kharif crops, 1.5% for Rabi crops, and 5% for annual commercial and horticultural crops. The remaining premium is shared by the central and state governments.
Who is eligible for PM Fasal Bima?
All farmers growing notified crops in notified areas are eligible, including sharecroppers and tenant farmers. Loanee farmers are automatically enrolled; non-loanee farmers can opt in voluntarily during the enrollment period.
What crops are covered?
The scheme covers food crops, oilseeds, and annual commercial and horticultural crops notified by the state government. The list of notified crops varies by state and season — check the official portal for current notifications.
What risks are covered?
The scheme covers crop loss due to natural calamities (drought, flood, cyclone, etc.), pests and diseases, post-harvest losses, and localized calamities (hailstorm, landslide, inundation). Specific perils and coverage terms vary by state.
How are claims settled?
Claims are assessed based on crop cutting experiments conducted by the state government. If the actual yield is below the threshold yield, farmers receive the difference as a claim amount directly in their bank accounts.
Is PM Fasal Bima available in all states?
The scheme is available only in states and UTs that have opted to implement it. Participation varies by state and season. Check the official PM Fasal Bima portal for the current list of participating states.
When is the enrollment period?
Enrollment periods are time-bound and vary by season (Kharif/Rabi) and state. Loanee farmers are enrolled automatically when they take crop loans. Non-loanee farmers must apply during the notified enrollment window — check current dates on pmfby.gov.in.
Can tenant farmers or sharecroppers apply?
Yes, tenant farmers and sharecroppers are eligible if they can provide proof of cultivation such as a land lease agreement or self-declaration as per state norms.
What should I do if my claim is not received?
First, check your claim status on pmfby.gov.in. If the claim shows as settled but money is not in your account, verify your bank account details. For discrepancies, contact your bank, the insurance company, or use the grievance mechanism on the official portal.