Pradhan Mantri Fasal Bima Yojana (PMFBY)
Ministry of Agriculture and Farmers Welfare
Pradhan Mantri Fasal Bima Yojana insures farmers against crop loss from natural calamities. Farmers pay only 2% of the sum insured for Kharif crops and 1.5% for Rabi crops, with the government covering the rest. Loanee farmers are auto enrolled by their bank; others apply online at pmfby.gov.in before the state's cut-off date.
Key facts
- Nodal ministry
- Ministry of Agriculture and Farmers Welfare
- Level
- Central and State
- Launched
- 2016
- Last date
- Enrolment window opens before each crop season, Kharif around July and Rabi around December. Not open all year.
- Helpline
- 14447
What you get
Crop insurance against yield loss from natural calamities, pests and disease. Farmers pay only 2% of sum insured for Kharif crops, 1.5% for Rabi crops, and 5% for commercial and horticultural crops, with the government paying the rest of the premium as subsidy. Also covers post-harvest losses and localised calamities such as hailstorm and landslide.
Who is eligible
All farmers, owner or tenant, growing notified crops in notified areas. Enrolment is compulsory for farmers with crop loans and voluntary for others.
Documents you need
Aadhaar card, bank account or passbook, land ownership or tenancy records, sowing certificate, passport size photo
How to apply
Loanee farmers are auto enrolled by their bank at the time of crop loan disbursement unless they opt out. Non loanee farmers apply online at pmfby.gov.in or the Crop Insurance app, or offline through a bank branch or Common Service Centre before the state cut off date.
Frequently asked questions
What is the premium for PMFBY?
Farmers pay 2% of sum insured for Kharif crops, 1.5% for Rabi crops, and 5% for commercial and horticultural crops. The government subsidises the balance premium.
Who can apply for PMFBY?
Any farmer, owner or tenant, growing a notified crop in a notified area. Enrolment is compulsory for farmers with crop loans and voluntary for others.
When does PMFBY enrolment open?
Enrolment opens before each crop season, typically around July for Kharif and December for Rabi, with a state notified cut-off date.
How do I apply for PMFBY online?
Non-loanee farmers can apply at pmfby.gov.in or the Crop Insurance app, or offline through a bank branch or Common Service Centre.
What is the PMFBY helpline number?
Farmers can call the PMFBY helpline at 14447 for queries and claim status.