PMFBY Crop Insurance - Eligibility, Benefits & How to Apply
Pradhan Mantri Fasal Bima Yojana
Full crop value coverage against drought, flood, pest attack and post-harvest losses. Farmer pays only 2% premium for kharif crops; government pays the remaining actuarial cost.
What You Get
Full crop value coverage against drought, flood, pest attack and post-harvest losses. Farmer pays only 2% premium for kharif crops; government pays the remaining actuarial cost.
0Who Can Apply (Eligibility)
- All farmers — owner-cultivators, tenant farmers and sharecroppers — growing notified crops in notified areas
- Both loanee farmers (auto-enrolled via KCC) and non-loanee farmers (voluntary enrollment) are eligible
- No minimum land holding requirement
- Enrollment must be before the season cut-off date (kharif: end of July; rabi: end of December — verify with your state)
Documents Required
| # | Document |
|---|---|
| 1 | Aadhaar card (mandatory) |
| 2 | Land records — 7/12, Khatauni, Patta or equivalent showing crop sown and area |
| 3 | Sowing certificate from Gram Sevak or Patwari |
| 4 | Bank account passbook (for credit of claims) |
| 5 | Passport-size photographs (2 copies) |
| 6 | For tenant farmers: tenancy agreement or landowner declaration |
How to Apply for PMFBY Crop Insurance
- 1Check notified crops and cut-off date
PMFBY covers only crops notified by the state government each season. Verify at pmfby.gov.in or with your Gram Sevak, bank branch, or district agriculture office.
- 2Enroll before the deadline
Kharif deadline: last date of July. Rabi deadline: last date of December. Dates vary by state — always confirm with your local agriculture office.
- 3Visit any bank branch, Common Service Centre (CSC), or insurance company office
Loanee farmers with a KCC loan are enrolled automatically. Non-loanee farmers must submit a proposal form with land records, Aadhaar, and bank account details.
- 4Pay your farmer premium share
Your share is capped at 2% of sum insured for kharif and 1.5% for rabi. For KCC holders, the premium is debited directly from the loan account.
- 5Keep your Policy Reference Number safe
You will receive a policy number on enrollment. Use it to track claim status on pmfby.gov.in or the Fasal Bima app.
- 6Report crop loss within 72 hours of the event
Report on the Fasal Bima app, pmfby.gov.in, or call the crop insurance company's helpline. A government surveyor will assess the loss.
Apply Online - Official Portal
Apply through the official portal: https://pmfby.gov.in
Always apply through the official government portal. NaPanta does not process or assist scheme applications - we only provide information to help you understand the scheme.
Agri Finance & Credit
Loans, crop insurance and investment norms — NABARD unit costs, PMFBY rates and KCC interest.
Weather & Crop Advisories
District-level agromet advisories combining IMD 5-day weather forecasts with crop-specific pest, disease and irrigation recommendations.
Agriculture News
Daily updates on mandi price movements, scheme announcements, weather advisories and crop-wise reports from state agriculture departments.
Agri Input Dealers
Find licensed seed, fertilizer and pesticide dealers near you.
Source: Ministry of Agriculture & Farmers Welfare — PMFBY operational guidelines and state notifications. Updated: reviewed quarterly and updated within 48 hours of any ministry notification change · Report an error
Frequently Asked Questions
What is PMFBY and who can apply?
Pradhan Mantri Fasal Bima Yojana (PMFBY) is India's flagship crop insurance scheme. All farmers including owner-cultivators, tenant farmers and sharecroppers growing notified crops are eligible. Loanee farmers under KCC are enrolled automatically; non-loanee farmers may opt in voluntarily.
What is the farmer premium for PMFBY?
Farmers pay a maximum of 2% of the sum insured for kharif crops and 1.5% for rabi crops. For commercial and horticultural crops the cap is 5%. The government pays the remaining actuarial premium.
What is the sum insured under PMFBY?
The sum insured equals the Scale of Finance (SoF) declared by the District Level Technical Committee for that crop-district. It represents the full cost of cultivating one hectare. Sum insured per farmer = SoF × notified area.
How long does a PMFBY claim take to settle?
Claims for widespread calamity (yield shortfall) are settled within 2 months of crop cutting experiment data being submitted by the state. Post-harvest and localized loss claims are settled within 30 days of assessment.
Is PMFBY available for rented or leased land?
Yes. Tenant farmers and sharecroppers can enroll by submitting a tenancy agreement or a declaration countersigned by the landowner.
Disclaimer: For information purposes only. Benefits, eligibility, and application processes are subject to change by the concerned ministry without notice. NaPanta bears no liability for any loss or inconvenience arising from reliance on this information. Always verify current terms at the official portal before applying. NaPanta (FarmGreen Agritech India Private Limited) is not affiliated with any government ministry or scheme implementing agency.