🌾 Pradhan Mantri Fasal Bima Yojana (PMFBY) – 2025 Detailed Guide

📌 Key Objectives

• Provide financial support to farmers suffering crop loss/damage arising out of unforeseen events.
• Stabilize the income of farmers to ensure they continue farming.
• Encourage farmers to adopt innovative and modern agricultural practices.
• Ensure flow of credit to the agriculture sector, contributing to food security, crop diversification, and enhancing growth.

✅ Key Features

• Coverage of all food crops, oilseeds, and annual commercial/horticultural crops.
• Low premium rates for farmers: 2% for Kharif crops, 1.5% for Rabi crops, and 5% for commercial/horticultural crops.
• Use of technology (drones, remote sensing, smart sampling) for faster claim settlement.
• Direct Benefit Transfer (DBT) of claims into Aadhaar-linked bank accounts.
• Voluntary enrollment since 2020 for all farmers.

👨‍🌾 Eligibility Criteria

• All farmers growing notified crops in a notified area are eligible.
• Both loanee (those with crop loans) and non-loanee farmers can apply.
• Farmers must provide accurate sowing data and land records.

📝 Documents Required

• Aadhaar Card (mandatory)
• Bank Account details & IFSC
• Land ownership record or lease agreement
• Crop sowing certificate (if asked by local authority)
• Passport size photograph

💻 Registration Process (Step-by-Step)

1. Visit the official portal: pmfby.gov.in
2. Click on Farmer Corner → Apply for Crop Insurance
3. Enter Aadhaar number and validate via OTP.
4. Fill in details like state, district, crop type, sowing date, and bank account info.
5. Upload necessary documents and submit the application.
6. Take print/download acknowledgment for future reference.

💰 Premium Structure

🌪️ Risks Covered

• Prevented Sowing/Planting Risk – in case farmers cannot sow due to adverse weather.
• Standing Crop Loss – due to drought, flood, pest attack, cyclone, or disease outbreak.
• Post-Harvest Loss – up to 14 days after harvest (cyclone, storm, unseasonal rains).
• Localized Calamities – damage due to hailstorm, landslide, inundation in isolated farms.

🧾 Claim Settlement Process

1. Report crop loss immediately to local agriculture officer / insurance company / CSC.
2. Loss assessment done using CCE (Crop Cutting Experiments) or technology (drones, satellites).
3. Claim approved by state government and forwarded to insurance company.
4. Claim amount credited directly to farmer’s bank account under DBT mode.

📅 Important Dates

The last date of enrollment varies by state and crop season. Generally:

• Kharif Season: Cut-off date – July 31
• Rabi Season: Cut-off date – December 31
• Farmers must enroll before sowing or within notified time to be eligible.

📞 Helpline & Support

National Helpline: 1800-180-1551

Email: help.pmfby@gov.in

For state-wise toll-free numbers, visit the official website pmfby.gov.in.