Pradhan Mantri Fasal Bima Yojana List is a big help for farmers in India. This scheme gives insurance to protect farmers from crop loss. When crops are damaged, the government pays farmers compensation, which eases their financial burden.
Earlier, the government had two schemes called the National Agriculture Insurance Scheme and Modified Agriculture Insurance Scheme. These had many problems, especially a long and slow claim process that made it tough for farmers to get money quickly. To fix these issues, the Pradhan Mantri Fasal Bima Yojana (PMFBY) was started.
This new scheme is simpler and more helpful for farmers. If you are a farmer wanting protection against crop loss, this guide will help you understand how PMFBY works and how to benefit from it.
PM Fasal Bima Yojana 2025: Protecting Farmers’ Crops
Prime Minister Narendra Modi started the Pradhan Mantri Fasal Bima Yojana on May 13, 2016, in Sehore, Madhya Pradesh. Under this scheme, farmers get insurance if their crops get damaged. The premium amount is kept very low, considering farmers’ financial situation. Since it started, over 36 crore farmers have received insurance under PMFBY.
So far, the scheme has paid about ₹1.8 lakh crore in insurance claims. The goal is to reach more farmers and provide financial support for crop losses caused by natural disasters. The government is also planning a “Ghar Ghar Mitra” campaign to help more farmers sign up easily.
Pradhan Mantri Krishi Sinchayee Yojana
Latest Update: Farmers should apply before July 31 to get compensation for damaged crops.
Due to heavy monsoon rains, states like Punjab and Haryana are facing floods. For farmers in these states, PMFBY is a good way to get financial support for crop and related losses. Compensation is given only if crops are damaged by natural disasters. It is a good idea to insure crops given today’s climate challenges. Applications for Kharif crop insurance can be submitted online or at Jan Seva centers until July 31.
Summary of Pradhan Mantri Fasal Bima Yojana List
| Scheme Name | Pradhan Mantri Fasal Bima Yojana |
| Started By | Prime Minister Narendra Modi |
| Launch Date | 13 May 2016 |
| Ministry | Ministry of Agriculture & Farmers Welfare |
| Beneficiaries | All farmers of India |
| Purpose | Compensation for crop loss |
| Maximum Claim Amount | ₹2 lakh |
| Application Mode | Online/Offline |
| Official Website | https://pmfby.gov.in |
Purpose of Pradhan Mantri Fasal Bima Yojana
This scheme was started to give financial support to farmers who lose crops due to natural disasters. It encourages farmers to use modern farming methods by securing their income and farming work. Depending on the crop loss, farmers get compensation as per government rules. All farmers across India can apply and benefit.
Pradhan Mantri Kisan Sampada Yojana
Inform Within 72 Hours of Crop Damage
Farmers need to report any crop damage caused by natural events to the Agriculture Department within 72 hours. They must also send a written complaint with the loss details to the district administration. The district officials then check and notify the insurance company to start compensation.
Claim Amounts Under PM Fasal Bima Yojana
Farmers can claim compensation if their crops are damaged or yields are low because of natural problems. The scheme offers set claim amounts for different crops after damage is checked:
- Cotton: up to ₹36,282 per acre
- Rice (Paddy): up to ₹37,484 per acre
- Millets (Bajra): up to ₹17,639 per acre
- Maize: up to ₹18,742 per acre
- Moong (Green gram): up to ₹16,497 per acre
These payments are sent directly to the farmer’s bank account after the damage assessment.
Important Features of Pradhan Mantri Fasal Bima Yojana
- Provides insurance to farmers against natural disasters causing crop loss.
- Premium rates are low: 1.5% for Rabi crops, 2% for Kharif crops, and 5% for commercial and horticulture crops.
- The government pays the rest of the premium to keep insurance affordable for all farmers.
- Claims can be made even if crop damage occurs within 14 days after harvest but the crop is still in the field.
- Uses technology to make claim processing quick and simple.
- Controlled by Agriculture Insurance Company of India.
- A budget of ₹5550 crore was set for the scheme in 2016-17.
- Since starting, 36 crore farmers have been insured.
Crops Covered Under PM Fasal Bima Yojana
- Food Crops (Grains like paddy, wheat, millet)
- Annual Commercial Crops (Cotton, jute, sugarcane etc.)
- Pulses (Tur, chickpea, peas, lentils, soybean, moong, urad etc.)
- Oilseeds (Sesame, mustard, castor, groundnut, sunflower, safflower etc.)
- Horticulture Crops (Banana, grapes, potato, onion, cardamom, ginger, turmeric, apple, mango, orange, guava, lychee, papaya, pineapple, chikoo, tomato, cauliflower etc.)
How to Register Online for Pradhan Mantri Fasal Bima Yojana?
- Go to the official PMFBY website at https://pmfby.gov.in/.
- On the homepage, click “Farmer Corner Apply for Crop Insurance Yourself.”
- You will open the Farmer Application page. Click on “Guest Farmer.”
- This will show the registration form. Fill in all required details carefully like Farmer Details, Residential Details, Farmer ID, Account Information, etc.
- Enter the captcha code and then click “Submit.”
- Your registration is complete.
Check Crop Insurance Amount and Premium in PMFBY
- Go to the official PMFBY website.
- On the homepage, click “Insurance Premium Calculator.”
- Enter the needed details on the new page, like crop season (Rabi/Kharif), year, scheme name, state, district, and crop type.
- Also enter your farm area in hectares.
- Click “Calculate” to see the insurance amount and premium you need to pay.
How to Apply Offline for PM Fasal Bima Yojana?
- Go to your nearest bank.
- Ask for the application form for PM Fasal Bima Yojana.
- Fill the form carefully with all needed details.
- Attach the required documents listed in the form.
- Submit the form back to the bank.
- Keep the receipt or acknowledgment slip given by the bank safe.
- You can also apply at local Jan Seva centers or insurance company offices.
How to Download PM Fasal Bima Yojana Mobile App?
- Open the Play Store on your Android phone.
- Type “Crop Insurance” in the search box.
- Choose the official app named “Crop Insurance” launched by the government.
- Click “Install” to download the app.
- Once downloaded, open it to get all services related to registration, premium details, and claim processing.
