Pradhan Mantri Fasal Bima Yojana (PMFBY)

Who can apply

Farmers, including sharecroppers and tenant farmers, growing notified crops in notified areas.

• You grow a crop notified for insurance in your area for that season.
• Owner farmers, sharecroppers and tenant farmers can join.
• Enrolment is voluntary for all farmers.

₹Benefits

• Insurance cover for crop loss due to natural calamities, pests and diseases.
• Farmer premium: 2% of sum insured for Kharif food and oilseed crops, 1.5% for Rabi food and oilseed crops, and 5% for commercial and horticultural crops. The government pays the rest.

Documents you will need

• Aadhaar card
• Bank account details
• Land records, or a tenancy / sharecropping agreement where applicable
• Sowing certificate or crop details, as required by your state

The exact list can vary by state and office. Carry originals and photocopies.

How to apply

1. Apply before the enrolment cut-off date for the season, which is announced by your state.
2. Enrol through your bank (if you have a crop loan), a Common Service Centre, an insurance company agent, or the PMFBY portal.
3. Pay your share of the premium and keep the receipt.
4. Report crop loss to the insurance company or through the official app within the time limit after the event.

When to apply: Enrolment closes on season-wise cut-off dates set by each state. Check the PMFBY portal or your bank before the season starts.

Common mistakes to avoid

• Missing the seasonal enrolment cut-off date.
• Not reporting crop loss within the allowed time after the event.

?Frequently asked questions

Official links and sources

• PMFBY official portal (pmfby.gov.in)

Create a free account to open the official application portal from here. Your account also lets you save schemes and results.

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