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प्रधानमंत्री फसल बीमा योजना 2026: प्रीमियम, दावा और पूरी गाइड
Quick facts: Crop insurance for Kharif + Rabi + commercial crops · farmer premium just 2% (Kharif) / 1.5% (Rabi) / 5% (commercial) · balance paid by govt · portal pmfby.gov.in · helpline 14447 · cut-offs: 31 July Kharif, 31 December Rabi.
For Indian farmers, the margin between a good year and a debt trap is often a single erratic monsoon. Pradhan Mantri Fasal Bima Yojana (PMFBY), launched on 18 February 2016, is the government’s answer — a low-premium crop-insurance scheme that compensates farmers when crops fail due to weather, pests, or natural disasters. Over 50 crore farmer applications have been covered since launch, with claim settlements exceeding ₹1.6 lakh crore.
PMFBY क्या है — What the Scheme Covers
PMFBY protects farmers against:
- Yield loss due to weather (drought, flood, hail, cyclone, unseasonal rain, frost, heat wave, fire)
- Prevented sowing — if weather prevents sowing at the start of season
- Post-harvest losses (for crops stored in the field up to 14 days after harvest)
- Localized calamities — hail, landslide, inundation on a specific field
Crops eligible
- Kharif: rice, cotton, soybean, maize, arhar, moong, bajra, jowar, etc.
- Rabi: wheat, gram, mustard, masur, potato, barley, etc.
- Commercial + horticultural: sugarcane, banana, potato, onion, apple, turmeric, chilli, cardamom, coffee, grapes, ginger
Each state notifies its eligible crops and insurance units (village, panchayat, block level) before each season.
पात्रता — Who Qualifies
Farmer types covered
- Loanee farmers — those with an active KCC / crop loan are automatically enrolled (unless they opt out in writing 7 days before cut-off)
- Non-loanee farmers — voluntary enrolment via portal or CSC
- Sharecroppers / tenant farmers — with valid land-lease agreement or Aadhaar-linked share document
Land requirements
- Any notified crop area (land size isn’t capped — 0.1 hectare to large holdings all eligible)
- Land must be in the notified area for that season/crop (check state portal)
प्रीमियम रेट — Farmer’s Premium Share
Farmer pays a small percentage of sum insured; Government pays the rest.
| Season | Farmer’s premium | Govt premium (Centre+State) |
|---|---|---|
| Kharif (monsoon crops) | 2% of sum insured | 98% minus farmer |
| Rabi (winter crops) | 1.5% | Balance |
| Commercial + horticultural | 5% (max) | Balance |
Example: sum insured ₹60,000 per hectare of paddy (Kharif). Farmer pays ₹1,200/hectare. Total premium (actuarial) may be ₹6,000 — government pays ₹4,800 of it. Farmer keeps ₹60,000 insurance cover.
Sum insured is computed per crop per area based on: – Scale of finance for loanee (usually same as KCC loan amount) – Notified “scale of finance” per hectare for non-loanee
आवश्यक दस्तावेज़ — Documents Required
- Aadhaar card (mandatory)
- Land records — Khasra/Khatauni / 7-12 / Patta (proves ownership or sharecropping)
- Bank passbook (Aadhaar-seeded, for claim payout)
- Sowing declaration (declaring which crop is sown)
- Lease agreement (for tenant/sharecropper farmers)
- For loanee farmers: KCC details (auto-fetched)
आवेदन कैसे करें — How to Apply
For loanee farmers
Auto-enrolment — your bank debits the PMFBY premium from your KCC account around the cut-off date. You don’t need to do anything. To opt out, submit written declaration at bank 7 days before cut-off.
For non-loanee farmers
Option 1: Online via PMFBY portal
- Open https://pmfby.gov.in → “Farmer Application” → “Enroll Yourself”
- Register with mobile + OTP + Aadhaar e-KYC
- Select your state, district, village
- Select season, crop, sum insured, area (hectares)
- Upload land record + sowing declaration
- Pay farmer’s premium online (UPI / net banking)
- Download policy acknowledgment
Option 2: CSC or Bank Branch
- Visit your nearest CSC or bank with documents
- Operator submits on your behalf → pay premium at counter
- Receive policy acknowledgment
Option 3: Insurance company’s field agent
Each state appoints specific insurance companies for each season. Their agents visit villages before cut-off dates.
Cut-Off Dates (CRITICAL)
| Season | Enrolment deadline |
|---|---|
| Kharif (June-October crops) | 31 July |
| Rabi (October-March crops) | 31 December |
| Commercial/horticultural | varies by crop (announced by state) |
Missing the cut-off = no cover for that season. Apply at the start of the season, not mid-way.
Claim Process — Crop Loss
Localized disaster (hail, landslide, inundation)
- Intimate insurance company within 72 hours (via toll-free 14447 or portal)
- Joint survey by bank/revenue/insurance team + farmer
- Assessment of loss on your specific field
- Claim calculated and paid within 30-60 days
Widespread calamity (drought, flood affecting whole area)
- State conducts Crop Cutting Experiments (CCE) to determine average yield in each insurance unit
- If actual yield < threshold yield (70-80% of normal), claim triggers automatically
- Claim = (Threshold yield – Actual yield) × Sum insured per hectare
- Payout credited to Aadhaar-linked bank account
Post-harvest loss
- For crops left in the field post-harvest (paddy, mustard, etc.), loss by cyclone/unseasonal rain within 14 days of harvest is covered
- Intimate within 72 hours of loss event
स्थिति कैसे चेक करें — Check Status
- Open https://pmfby.gov.in → “Farmer Application Status”
- Enter application number or mobile + OTP
- See: – Policy status (active / expired) – Claim status (if any) – Premium payment record
हेल्पलाइन — Official Helpline
| Service | Number |
|---|---|
| PMFBY Farmer Helpline | 14447 (toll-free) |
| PMFBY alt | 1800-200-7710 |
| State Agri Dept | varies |
| Portal | https://pmfby.gov.in |
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Last verified: 20 April 2026. Official source: https://pmfby.gov.in
Yeh website kisi bhi sarkari vibhaag se sambandhit nahi hai. Yahan di gayi jaankari sirf shaikshanik uddeshya ke liye hai.
What is the farmer’s premium for PMFBY?
2% of sum insured for Kharif, 1.5% for Rabi, and up to 5% for commercial and horticultural crops. The remaining premium is paid by the central and state governments.
Can I opt out of PMFBY as a loanee farmer?
Yes. Submit a written opt-out declaration to your bank at least 7 days before the cut-off date. Otherwise you are auto-enrolled and premium is deducted from your KCC account.
What are PMFBY cut-off dates?
31 July for Kharif season and 31 December for Rabi season. Commercial and horticultural crop dates vary by state announcement.
How long does a PMFBY claim take to pay out?
Localized claims typically settle in 30-60 days. Widespread calamity claims take 60-120 days pending Crop Cutting Experiment completion.
Is PMFBY claim amount taxable?
No. PMFBY claim amounts are exempt from income tax under Section 10 of the Income Tax Act (agriculture income exemption).
