Apply via: pmfby.gov.in or bank branch or CSC centre
What is PM Fasal Bima Yojana?
Pradhan Mantri Fasal Bima Yojana (PMFBY) is India's national crop insurance scheme launched in 2016. It replaced the earlier NAIS and MNAIS schemes. The key difference from earlier schemes is the dramatically lower premium for farmers — the government (central + state) pays the bulk of the actual insurance premium, making it affordable for all farmers.
What Perils Does PMFBY Cover?
Stage
What is Covered
Pre-sowing
Prevented sowing due to deficit rainfall or adverse seasonal conditions
Standing crop
Drought, dry spell, flood, inundation, widespread pest and disease, landslide, natural fire, lightning, hailstorm, cyclone
Post-harvest
Losses due to hailstorm, cyclone, unseasonal rains — within 14 days of harvest
Compulsory: Loanee farmers (those with KCC or crop loans from banks) for notified crops in notified areas
Voluntary: Non-loanee farmers can enroll voluntarily — highly recommended
The premium is auto-deducted from KCC accounts for loanee farmers
How to Apply for PMFBY (Non-Loanee Farmers)
1
Visit pmfby.gov.in or nearest CSC centreCommon Service Centres (Gram Panchayat level) help with PMFBY enrollment for a small facilitation fee.
2
Check notified crops and cutoff dateEach state notifies which crops are covered and the last date to enroll (typically 2 weeks before sowing). Check pmfby.gov.in for your state.
3
Submit documentsAadhaar, land records, bank passbook, sowing certificate (if crop already sown).
4
Pay premiumPay your share of premium (2% for Kharif). Receipt is your proof of enrollment.
How to Claim Under PMFBY
1
Inform within 72 hours of lossReport crop loss to: your bank, the insurance company OR the Crop Insurance App (available on Play Store) within 72 hours.
2
Insurance company conducts surveyFor localised losses, an individual survey is done. For widespread losses (drought, flood), yield data from government crop cutting experiments is used.
3
Claim credited to bank accountApproved claim amount is directly credited to the farmer's bank account linked to Aadhaar.
📞 Crop Insurance App: Download the official "Crop Insurance" app by Ministry of Agriculture on your smartphone to enroll, pay premium, report crop loss and track claim status digitally.
PMFBY is compulsory only for loanee farmers (those with KCC or crop loans) for notified crops in notified areas. The premium is auto-deducted from their loan account. For non-loanee farmers, PMFBY is voluntary. However, enrolling voluntarily is strongly advisable given the low premium and comprehensive coverage.
For widespread losses (drought, flood), the claim is calculated based on government crop cutting experiments. If actual yield is below the threshold yield, all enrolled farmers in that area receive compensation proportional to the shortfall. For localised losses (hailstorm, landslide), individual farm assessment is done.
You must report crop loss within 72 hours of the damage. You can report via: the insurance company helpline, your bank branch, the Crop Insurance mobile app, or the nearest Common Service Centre. Late reporting can result in claim rejection.
Yes. From 2020, PMFBY became voluntary for loanee farmers too. If you do not want crop insurance, submit a written opt-out declaration to your bank before the last enrollment date. Without this declaration, premium will be auto-deducted.
⚠️ Disclaimer: All scheme details are based on publicly available information from official government portals as of June 2026. Eligibility criteria, subsidy amounts and benefit levels may change. FinMandi is an independent information platform and is not affiliated with the Government of India or any bank. Always verify current details on official portals before applying.