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Pradhan Mantri Fasal Bima Yojana

PMFBY is a crop insurance scheme that compensates farmers for losses due to floods, drought, pests, and natural calamities at very low premiums. Learn how to enrol and claim.

Crop Insurance

⚠️ Independent Information Only

This page is written by an independent website. It is not affiliated with the Government of India. Always apply through the official government website linked below.

Simple Overview

Pradhan Mantri Fasal Bima Yojana (PMFBY) is crop insurance for Indian farmers. If your crops are damaged by floods, drought, heavy rain, pest attacks, or other natural events, this scheme pays you compensation. Farmers pay a very small premium and the government pays the rest. It covers food crops, oilseeds, and commercial crops.

Who Can Apply?

  • All farmers — including sharecroppers and tenant farmers — growing notified crops in notified areas
  • Farmers with crop loans from banks (auto-enrolled)
  • Non-loanee farmers who opt in voluntarily

Income Limits

No income limit. The scheme is open to all farmers growing eligible crops in enrolled districts.

Required Documents

  • Aadhaar Card
  • Land record (Khasra/Khatoni) showing crop being grown
  • Sowing certificate from Patwari or local authority
  • Bank account passbook
  • Photograph of sown crop (some states)

📋 Quick Facts

Kharif Premium2% of sum insured
Rabi Premium1.5% of sum insured
CoversNatural calamities, pests, diseases
Payment ModeDirect Bank Transfer
Helpline14447
Official Websitepmfby.gov.in

🔗 Apply on Official Website

Always apply through the official government portal. It is free.

🌐 Go to Official Website

Opens official .gov.in site in new tab

Step-by-Step Application Process

  1. 1
    Enrol before the season deadline

    Kharif deadline is generally 31 July; Rabi is 31 December. Missing the deadline means you miss that season entirely.

  2. 2
    Visit your bank or CSC centre

    If you have a crop loan, your bank may auto-enrol you. Non-loanee farmers must visit their bank, CSC, or insurance company representative.

  3. 3
    Fill the application and pay premium

    Provide crop details, cultivation area, and land details. Pay your small share of the premium (2% for Kharif, 1.5% for Rabi).

  4. 4
    Receive your policy certificate

    Keep this certificate safely. You will need it when making a claim.

  5. 5
    Report damage within 72 hours

    If your crop is damaged, report it within 72 hours via the PMFBY app, the portal, or by calling the insurance company helpline.

  6. 6
    Receive compensation in your account

    After inspection, compensation is calculated and credited directly to your bank account.

Benefits of the Scheme

Common Mistakes to Avoid

Frequently Asked Questions

Q: My crop was damaged by hailstorm. How do I claim?
Call the crop insurance company helpline or your bank within 72 hours. Use the PMFBY app to report damage. An inspection team will assess the loss and compensation will be calculated.
Q: I have a crop loan — am I already enrolled?
Your bank should have auto-enrolled you. Check with your bank or look for a policy certificate. If not enrolled, request enrolment before the cut-off date.
Q: Can I opt out of PMFBY?
Yes, farmers with crop loans can opt out before the cut-off date by submitting a written request to their bank.
Ready to Apply?

Visit the official government website to start your application. It is free and takes only a few minutes to begin.

🌐 Apply on Official Website
← All Schemes ✅ Eligibility Checker 📄 Documents Guide