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Pradhan Mantri Fasal Bima Yojana (PMFBY)

Crop insurance covering yield loss, prevented sowing, post-harvest losses. Farmer pays only 1.5-2% (kharif) or 5% (commercial) — government bears the rest.

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—yojana:pmfby-fasal-bima [2026/05/05 04:27] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>
 +metatag-keywords=(pmfby, pradhan mantri fasal bima, crop insurance, fasal bima yojana, pmfby claim)
 +metatag-description=(Crop insurance covering yield loss, prevented sowing, post-harvest losses. Farmer pays only 1.5-2% (kharif) or 5% (commercial) — government bears the rest.)
 +}}
  
 +====== Pradhan Mantri Fasal Bima Yojana (PMFBY) ======
 +{{:social:auto:yojana-pmfby-fasal-bima.png?direct&1200 |Pradhan Mantri Fasal Bima Yojana (PMFBY) — RTI Wiki}}
 +
 +<WRAP info>
 +**Up to 90% of insured crop loss compensated. Farmer share: 1.5% (rabi) / 2% (kharif) / 5% (commercial) of sum insured.**
 +
 +**Launched:** 2016  ·  **Issued by:** Ministry of Agriculture & Farmers Welfare
 +</WRAP>
 +
 +===== Who is eligible =====
 +  * All farmers (loanee + non-loanee) growing notified crops in notified areas
 +  * Voluntary; loanee farmers can opt-out on declaration
 +  * Crop notified by State Govt for the season
 +  * Aadhaar mandatory
 +
 +===== What you get =====
 +Compensation: Up to 90% of insured crop loss. Coverage: yield loss (90%), prevented sowing (25%), post-harvest losses (90%). Sum insured: typically Rs 25,000-50,000 per acre, varies by crop.
 +
 +===== How to apply (step-by-step) =====
 +  - **Apply via bank (loanee) or CSC / portal (non-loanee)** — pmfby.gov.in for online; cut-off date varies by state + season.
 +  - **Choose crop + acreage** — From state-notified list.
 +  - **Pay premium** — 1.5-2% (food crops) or 5% (commercial). Govt pays balance.
 +  - **Crop monitored by ATMA / KVK** — Random crop-cutting experiments determine yield.
 +  - **On notified loss event — auto-claim** — No application needed; insurer auto-pays based on yield data.
 +  - **Claim credited to Aadhaar-linked account** — Within 60-90 days of yield assessment.
 +
 +===== Documents needed =====
 +  * Aadhaar
 +  * Bank account (Aadhaar-linked)
 +  * Land record / 7-12
 +  * Sowing certificate (some states)
 +
 +===== Timeline =====
 +Claim: 60-90 days post-yield assessment. Payouts may take 6 months total in some seasons.
 +
 +===== Portal + helpline =====
 +  * **Official portal:** [[https://pmfby.gov.in|pmfby.gov.in]]
 +  * **Helpline:** PMFBY: 1800-3001-4001
 +
 +===== Common issues =====
 +  * Premium not paid by cut-off — coverage void; track state cut-off dates carefully.
 +  * Crop not notified — only listed crops in listed villages eligible. Check before sowing.
 +  * Aadhaar not linked to bank — DBT bounces; fix at bank.
 +  * Yield assessment disputed — appeal to DLMC (District Level Monitoring Committee).
 +
 +===== Benefit delayed or rejected? File an RTI =====
 +
 +Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
 +
 +<code>
 +1. Status of my application no. _____ dated _____ as on date.
 +2. Name + designation of dealing officer assigned to my file.
 +3. Reasons for delay beyond the statutory timeline.
 +4. Copy of any noting / movement of my file in the past 30 days.
 +5. Likely date of disbursement / decision.
 +</code>
 +
 +**Auto-fill the PIO + your case:** [[:rti-for-fasal-bima-claim|Open the AI RTI Drafter →]]
 +
 +**More schemes for you:** [[:audience:farmers|All farmers schemes]]
 +
 +===== Frequently asked questions =====
 +==== How is loss assessed? ====
 +Crop-cutting experiments by State Agriculture Univ + insurer. Smartphone app PMFBY-CCE for digital reporting.
 +
 +==== What about partial loss? ====
 +Pro-rata: if yield drops 30% below threshold, you get 30% of insured sum.
 +
 +==== Cyclone/flood loss — what timeframe? ====
 +Notify within 72 hours via app / call insurer. Photo evidence helps.
 +
 +==== Claim delayed > 90 days? ====
 +File RTI to DLMC + state agriculture department.
 +
 +===== Summary + next step =====
 +
 +<WRAP center round tip 90%>
 +**Bottom line:** Up to 90% of insured crop loss compensated. Farmer share: 1.5% (rabi) / 2% (kharif) / 5% (commercial) of sum insured. Apply at **pmfby.gov.in**. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
 +
 +  * **Apply now:** [[https://pmfby.gov.in|pmfby.gov.in]]
 +  * **If delayed — RTI Drafter:** [[:rti-for-fasal-bima-claim|File RTI in 5 minutes]]
 +  * **Browse all 150 yojanas:** [[:yojana:start|Sarkari Yojana index]]
 +</WRAP>
 +
 +===== Related =====
 +  * [[:yojana:start|All 150 Sarkari Yojanas]]
 +  * [[:check-status:start|25 status-check guides]]
 +  * [[:documents:start|30 documents-required checklists]]
 +  * [[:how-to-apply:start|25 how-to-apply guides]]
 +  * [[:rejection-recovery:start|16 rejection-recovery guides]]
 +  * [[:audience:start|10 audience-hub schemes]]
 +  * [[:helplines:start|32 helplines + grievance routes]]
 +  * [[:citizen-rti-playbook|Full RTI Playbook]]
 +
 +===== Sources =====
 +  * Official portal: pmfby.gov.in
 +  * Issued by: Ministry of Agriculture & Farmers Welfare
 +  * Launched: 2016
 +  * Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html|%%AwaazRTI%%]] (composite, identifying details removed)
 +
 +//Last reviewed: 26 April 2026.//
 +
 +{{tag>yojana sarkari-yojana pmfby-fasal-bima}}