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The Pradhan Mantri Fasal Bima Yojana (PMFBY) is a comprehensive crop insurance scheme launched by the Government of India in 2016. The scheme aims to provide financial support to farmers in the event of crop failure due to natural calamities, pests, and diseases.
The PMFBY is a replacement scheme for the earlier National Agricultural Insurance Scheme (NAIS) and Modified National Agricultural Insurance Scheme (MNAIS). The scheme covers all kharif and rabi crops grown in the country, except for tea, coffee, and sugarcane.
The premium for the PMFBY is shared between the central government, state governments, and farmers. The central government provides a 50% subsidy on the premium for all farmers, while the state governments provide a subsidy of 25% to 30%. The remaining premium is paid by the farmers.
Coverage:
The PMFBY offers a variety of coverage options to farmers, including:
- Full insurance cover: This option provides 100% coverage of the crop value in the event of a loss.
- Partial insurance cover: This option provides coverage of a percentage of the crop value, such as 50% or 75%.
- Index-based insurance: This option provides coverage based on an index of crop yields, rather than on the actual crop loss.
Benefits:
The PMFBY also offers a number of other benefits to farmers, including:
- Quicker claims settlement: The PMFBY aims to settle claims within 30 days of the crop loss being declared.
- Easy claim process: The claim process for the PMFBY is simple and straightforward.
- Increased access to credit: Farmers who have taken out a crop loan and have a crop insurance policy are eligible for a discount on the interest rate of the loan.
The PMFBY has been a major success since its launch. In the first three years of the scheme, over 200 million farmers have been insured, and over ₹1 lakh crore (US$14 billion) has been paid out in claims.
The PMFBY has helped to protect farmers from the financial losses caused by crop failures. It has also helped to increase agricultural productivity and ensure food security in India.
Conclusion:
The Pradhan Mantri Fasal Bima Yojana is a comprehensive crop insurance scheme that provides financial support to farmers in the event of crop failure. The scheme has been a major success since its launch, and it has helped to protect farmers from the financial losses caused by crop failures. The PMFBY has also helped to increase agricultural productivity and ensure food security in India.
If you are a farmer, I encourage you to learn more about the PMFBY and to consider taking out a crop insurance policy. The PMFBY can help to protect your financial future and ensure that you are able to continue farming.
PMFBY Scheme Launched
The Pradhan Mantri Fasal Bima Yojana (PMFBY) was launched on 18 February 2016 by Prime Minister Narendra Modi. It is a crop insurance scheme that provides financial protection to farmers against production losses due to natural calamities, pests, and diseases.
The PMFBY is a government-backed scheme, and the premium is shared between the government and farmers. The government provides a subsidy of up to 50% of the premium for small and marginal farmers, and up to 35% for other farmers.
The PMFBY covers a wide range of crops, including cereals, pulses, oilseeds, fruits, and vegetables. The scheme is also available for farmers who practice organic farming.
To be eligible for the PMFBY, farmers must have a minimum of 2 hectares of land. They must also register their crops with the insurance company before the start of the planting season.
If a farmer’s crop is damaged due to a natural calamity, pests, or diseases, they can file a claim with the insurance company. The insurance company will then assess the damage and pay the farmer a compensation amount.
The PMFBY has been welcomed by farmers, and it has helped to reduce their financial losses due to crop failures. The scheme has also helped to increase the insurance penetration in the agriculture sector.
Here are some of the benefits of the PMFBY:
- It provides financial protection to farmers against production losses.
- It helps to reduce the financial burden on farmers in the event of a crop failure.
- It encourages farmers to adopt modern agricultural practices.
- It helps to increase the insurance penetration in the agriculture sector.
PM Fasal Bima Yojana Premium Rate
The premium rate for the Pradhan Mantri Fasal Bima Yojana (PMFBY) is determined by the following factors:
- The type of crop
- The area of cultivation
- The risk of crop failure in the region
The premium rate for the PMFBY is generally lower than the premium rate for other crop insurance schemes. This is because the central government provides a 50% subsidy on the premium for all farmers. The state governments also provide a subsidy of 25% to 30%.
The maximum premium payable by farmers will be 2% for all Kharif Food & Oilseeds crops, 1.5% for Rabi Food & Oilseeds crops and 5% for Annual Commercial/Horticultural Crops.
Here is the Premium Rates for Some Common Crops under the PMFBY:
| Crop | Kharif | Rabi |
| Rice | 2% | 1.5% |
| Wheat | 2% | 1.5% |
| Pulses | 2% | 1.5% |
| Oilseeds | 2% | 1.5% |
| Cotton | 5% | 5% |
| Sugarcane | Not covered |
The premium rate for the PMFBY is payable in two instalments. The first instalment is payable at the time of sowing, and the second instalment is payable at the time of harvest.
If a farmer fails to pay the premium, they will not be covered by the PMFBY in the event of a crop failure.
PMFBY Beneficiary List
The Pradhan Mantri Fasal Bima Yojana (PMFBY) beneficiary list is available online on the PMFBY website. You can search the beneficiary list by state, district, and crop.
To search the beneficiary list, you will need to provide the following information:
- Your state
- Your district
- The crop that you are interested in
Once you have provided this information, you will be able to view a list of all the farmers in your state and district who are insured under the PMFBY for the crop that you are interested in.
The PMFBY beneficiary list is updated on a regular basis, so you can be sure that the information that you see is accurate.
Here are the Steps on How to Check the PMFBY Beneficiary List:
- Go to the PMFBY website.
- Click on the “Beneficiary List” tab.
- Select your state and district.
- Select the crop that you are interested in.
- Click on the “Search” button.
The beneficiary list will be displayed on the screen. You can view the details of each farmer, including their name, address, and crop insurance policy number.
If you are not able to find your name on the beneficiary list, you can contact your local agriculture department for more information.
PMFBY Village List
The Pradhan Mantri Fasal Bima Yojana (PMFBY) village list is not available online. You can only check the PMFBY village list by contacting your local agriculture department.
The PMFBY village list is updated on a regular basis, so you can be sure that the information that you see is accurate.
Here are the Steps on How to Check the PMFBY Village List:
- Contact your local agriculture department.
- Provide them with your state and district.
- They will be able to provide you with a list of all the villages in your state and district that are covered by the PMFBY.
PMFBY Beneficiary List 2022
The Pradhan Mantri Fasal Bima Yojana (PMFBY) beneficiary list 2022 is not yet available online. The list is usually updated in the first quarter of the year, so you can expect to see it sometime in March 2023.
In the meantime, you can check the PMFBY beneficiary list for 2021 to see if your name is on it. The list is available online on the PMFBY website.
Here are the Steps on How to Check the PMFBY Beneficiary List for 2021:
- Go to the PMFBY website.
- Click on the “Beneficiary List” tab.
- Select your state and district.
- Select the crop that you are interested in.
- Click on the “Search” button.
The beneficiary list will be displayed on the screen. You can view the details of each farmer, including their name, address, and crop insurance policy number.
If you are not able to find your name on the beneficiary list for 2021, you can check back in March 2023 for the list for 2022.
PMFBY Login
Here are the steps on how to login to the Pradhan Mantri Fasal Bima Yojana (PMFBY) portal:
- Go to the PMFBY website.
- Click on the “Login” tab.
- Enter your crop insurance policy number in the “Policy Number” field.
- Enter your password in the “Password” field.
- Click on the “Login” button.
If you have forgotten your password, you can click on the “Forgot Password” link. You will be asked to enter your crop insurance policy number and your mobile number. You will then receive a link to reset your password on your mobile phone.
Once you have logged in, you will be able to view your crop insurance policy details, including the status of your policy, the amount of premium that you have paid, and the amount of claim that you have filed. You will also be able to download your crop insurance policy document.
Here are Some of the Benefits of Logging in to the PMFBY Portal:
- You can view your crop insurance policy details.
- You can check the status of your policy.
- You can download your crop insurance policy document.
- You can file a claim for crop loss.
- You can contact the PMFBY helpdesk.
Official Website: Click Here»
PMFBY Village List 2022
The Pradhan Mantri Fasal Bima Yojana (PMFBY) village list 2022 is not available online. You can only check the PMFBY village list by contacting your local agriculture department.
The PMFBY village list is updated on a regular basis, so you can be sure that the information that you see is accurate.
Here are the Steps on How to Check the PMFBY Village List:
- Contact your local agriculture department.
- Provide them with your state and district.
- They will be able to provide you with a list of all the villages in your state and district that are covered by the PMFBY.
Here are Some of the Benefits of Checking the PMFBY Village List:
- You can know if your village is covered by the PMFBY.
- You can know if you are eligible for crop insurance under the PMFBY.
- You can know the contact details of the crop insurance agent in your village.
PMFBY Village List Karnataka
The PMFBY Village List Karnataka is a list of villages in Karnataka that are eligible for Pradhan Mantri Fasal Bima Yojana (PMFBY) crop insurance. The list is updated annually by the Karnataka government.
To find the PMFBY Village List Karnataka, you can visit the following website:
Check List: Click Here
PMFBY Scheme Important Dates
Here are the important dates for the Pradhan Mantri Fasal Bima Yojana (PMFBY):
| Season | Start date | End date | Registration start date | Registration end date | Claim filing end date |
| Kharif | June | September | April/May | May/June | December |
| Rabi | October | March | September/October | October/November | June |
PMFBY Scheme Criteria
Here are the eligibility criteria for the Pradhan Mantri Fasal Bima Yojana (PMFBY):
- Crops covered: The PMFBY covers a wide range of crops, including cereals, pulses, oilseeds, fruits, and vegetables. The list of crops covered by the PMFBY varies from state to state.
- Landholding: Farmers must have a minimum of 2 hectares of land to be eligible for the PMFBY. However, there are some exceptions to this rule. For example, in some states, farmers with less than 2 hectares of land can be eligible for the PMFBY if they are registered as small or marginal farmers.
- Registration: Farmers must register their crops with the insurance company before the start of the planting season. The registration process is typically done online or through a local agriculture department.
- Premium: The premium is shared between the government and farmers. The government provides a subsidy of up to 50% of the premium for small and marginal farmers, and up to 35% for other farmers. The premium amount varies depending on the crop, the insurance company, and the state.
- Claims: Farmers can file claims for crop losses due to natural calamities, pests, and diseases. The insurance company will then assess the damage and pay the farmer a compensation amount.
Additional Criteria:
Here are Some of the Additional Criteria for the PMFBY:
- Farmers must have a valid land ownership certificate or a valid land tenancy agreement.
- The farmer must have applied for insurance coverage within the prescribed time frame, which is generally within 2 weeks of the start of the sowing season.
- The crop must be grown in an area that is notified by the government as being eligible for the PMFBY.
How to Apply PMFBY Scheme
There are two ways to apply for the Pradhan Mantri Fasal Bima Yojana (PMFBY):
Online:
- Go to the PMFBY website.
- Click on the “Apply Online” button.
- Create an account or log in to your existing account.
- Fill out the application form.
- Enter your personal details, such as your name, address, and contact information.
- Enter your land details, such as the type of crop you are growing and the area of land you are cultivating.
- Enter your insurance details, such as the insurance company you have chosen and the premium amount you have paid.
- Upload the required documents.
- The required documents may include your land ownership certificate, your Aadhaar card, and your bank account details.
- Pay the premium.
- You can pay the premium online using a credit card, debit card, or net banking.
- Submit the application form.
Through a Local Agriculture Department:
- Visit your local agriculture department.
- Ask for an application form for the PMFBY.
- Fill out the application form.
- Submit the application form along with the required documents.
- Pay the premium.
Required Documents:
Here are the Required Documents for Applying for the PMFBY:
- Land ownership certificate
- Aadhaar card
- Bank account details
- Photo ID
- Proof of address
The premium amount for the PMFBY varies depending on the crop, the insurance company, and the state. You can find the premium amount on the PMFBY website or by contacting your local agriculture department.
Once you have applied for the PMFBY, you will receive an acknowledgement number. You can use this acknowledgement number to check your application status online or by contacting your local agriculture department.