Pradhan Mantri Fasal Bima Yojna

Key facts

Covers	Crop loss from natural calamities, pests and disease
Farmer premium	2% (Kharif), 1.5% (Rabi), 5% (commercial / horticultural)
For	Farmers including sharecroppers and tenant farmers with insurable interest
Enrolment	Voluntary — via banks, CSCs or the portal
Official portal	pmfby.gov.in
Application window	Apply within 2 weeks of sowing season start

Benefits

Beneficiaries receive comprehensive insurance coverage for Kharif and Rabi crops, ensuring financial stability in case of crop failure due to natural calamities.

Who can apply

For: farmer, sharecropper
has valid land ownership certificate
not received compensation from other sources
has valid bank account

Farmers and sharecroppers with valid land ownership or tenancy agreements can apply. They must not have received compensation for the same crop loss from other sources and should have a valid bank account.

How to apply

Farmers can apply online through the official portal by creating an account or using the guest option.

Visit the official portal and click on Farmer Corner.
If you do not have an account, select Guest Farmer and fill in the required details to create an account.
Complete the insurance scheme application form with necessary information.
Submit the application to enroll in the scheme.

Apply on the official website ↗

Documents required

bank account number
Aadhaar card
Khasra number of land
agreement photocopy
ration card
voter ID
driving license
passport-size photograph of the farmer

Common problems and how to fix them

Problem	What to do
Your crop is damaged	Report the loss within 72 hours through the Crop Insurance app, your bank, or the toll-free helpline.
Premium deducted but no policy	Confirm your enrolment with the bank or CSC and keep the premium receipt as proof.
Loanee vs non-loanee farmer	KCC / crop-loan farmers are auto-enrolled unless they opt out; other farmers enrol voluntarily.

Frequently asked questions

Can tenants apply for crop insurance under this scheme?

Yes, tenants cultivating crops on someone else's land are eligible for insurance under this scheme.

What documents are required to apply for the scheme?

Applicants need to provide a bank account number, Aadhaar card, Khasra number of land, agreement photocopy, ration card, voter ID, driving license, and a passport-size photograph.

What is the time frame for filing a claim after crop loss?

Farmers must file a claim within 72 hours of the occurrence of the crop loss.

Are there any exclusions in the coverage?

Yes, losses due to war, nuclear risks, riots, theft, and preventable risks are excluded from coverage.

How can I calculate my insurance premium?

An insurance premium calculator is available on the official website to help farmers determine their premium.

Is PMFBY compulsory?

No — it has been voluntary for all farmers since 2020.

How much premium do I pay?

2% for Kharif, 1.5% for Rabi and 5% for commercial/horticultural crops; the government pays the rest.

Always confirm the latest details on the official portal before applying.