Pradhan Mantri Fasal Bima Yojana (PMFBY) – Eligibility, Benefits, and How to Apply

Pradhan Mantri Fasal Bima Yojana (PMFBY) provides crop insurance coverage to eligible farmers against specified risks during different stages of crop cultivation.

• Farmers growing notified crops in notified areas can be covered.
• Non-loanee farmers can enrol voluntarily, subject to applicable requirements.
• Farmer premium is capped at 2% for Kharif food and oilseed crops, 1.5% for Rabi food and oilseed crops, and 5% for annual commercial and horticultural crops.
• Coverage can include prevented sowing, standing crop losses, certain localised calamities and specified post-harvest losses.
• Farmers can apply through the official PMFBY portal or other notified channels.
• Crop-loss reporting and claim procedures depend on the type of loss and applicable state-level notifications.
• Farmers can check application and policy status through the PMFBY portal.

PMFBY aims to provide financial protection against eligible crop losses and help farmers manage the financial impact of specified agricultural risks.

Pradhan Mantri Fasal Bima Yojana (PMFBY) is a government-sponsored crop insurance scheme that provides insurance coverage against specified crop losses. It was introduced to provide financial support to farmers when their notified crops are affected by covered natural risks and adverse weather conditions.

Under PMFBY, eligible food crops, oilseeds and annual commercial or horticultural crops can be covered, subject to the crops and areas notified by the concerned State or Union Territory. The scheme uses different methods to assess losses depending on the type of damage.

For example, Rohan grows a notified crop in an area covered under PMFBY. If his insured crop suffers an eligible loss because of a covered natural peril, he may receive a claim according to the applicable scheme provisions and assessment process.

The exact crops, insurance units, sum insured, premium and enrolment deadlines are determined through applicable notifications for each season and location.

Eligible farmers can apply for PMFBY through the official PMFBY portal or other channels notified for their area and season. The process generally involves selecting the applicable State, district, season and crop and providing the required farmer and bank details.

An online application process includes:

1. Visit the official PMFBY portal.
2. Select the farmer registration or crop insurance application option.
3. Enter the required personal and identification details.
4. Provide applicable land and crop information.
5. Enter bank account details for the application.
6. Provide the required documents.
7. Review the information entered.
8. Submit the application within the applicable enrolment period.
9. Save the application or acknowledgement details for future reference.

The official portal also provides farmer registration and application facilities.

Farmers growing notified crops in notified areas are eligible for PMFBY if they have an insurable interest in the insured crop. The scheme can cover eligible farmers, including sharecroppers and tenant farmers, subject to the applicable requirements and documentation.

Eligibility depends on:

• The crop being notified for insurance.
• The area being notified under the scheme.
• The farmer having an insurable interest in the crop.
• Meeting applicable enrolment and documentation requirements.
• Following the prescribed season-specific deadlines.

Non-loanee farmers can voluntarily enrol in PMFBY. The eligibility and documentation requirements for sharecroppers and tenant farmers may depend on the provisions notified by the respective State Government.

The documents required can vary depending on the farmer category, State and method of enrolment. Farmers may need documents supporting their identity, bank account, landholding or cultivation rights and insured crop.

Required documents include:

• Identity proof
• Bank account details
• Land records or other permitted land documents
• Details of the insured crop
• Details of the cultivated area
• Documents required for sharecroppers or tenant farmers, where applicable

The exact documentation should be checked against the relevant State notification.

PMFBY claims are assessed according to the type of crop loss and the applicable assessment method. Area-based assessment is used for certain yield losses, while individual farm-level assessment can apply to specified localised calamities and post-harvest losses.

The process can involve:

1. Identification of the insured crop and notified area.
2. Reporting or identification of the covered loss, where required.
3. Crop-loss assessment through the applicable mechanism.
4. Calculation of the claim based on the scheme provisions.
5. Processing of the claim by the implementing agencies.
6. Payment of the eligible claim amount to the insured farmer.

Farmers should follow the applicable loss-intimation requirements, particularly for localised calamities and post-harvest losses.

Farmers should report eligible crop losses through the prescribed channel within the applicable timeline. The procedure and timeline can depend on the type of loss and the relevant State notification. For certain localised calamities and post-harvest losses, loss intimation is an important part of the claim process. Farmers can use the PMFBY system and the Krishi Rakshak Portal & Helpline for assistance. The official portal currently lists 14447 as the KRPH helpline. Farmers should retain their policy, application and loss-related details when reporting a claim.

You can check your Pradhan Mantri Fasal Bima Yojana (PMFBY) application or policy status online through the official PMFBY portal. The process allows farmers to track their application details and access relevant crop insurance information.

Follow these steps:

1. Visit the official PMFBY portal
2. Select the option to check your application or policy status
3. Enter the required details, such as your application number, mobile number or other identification details, as requested
4. Submit the information to view the available status
5. Check details related to your insurance application, policy or claim

PMFBY is designed to provide financial protection against specified agricultural risks. Farmers should check the latest State and season-specific notification before applying because crop coverage, insurance units, premium, deadlines and other conditions can vary.