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Ministry Of Agriculture and Farmers Welfare

Pradhan Mantri Fasal Bima Yojna

Crop Insurance
Application Process
Documents Required
Frequently Asked Questions
Objective: The PMFBY works on the One Nation, One Crop, One Premium. To provide insurance coverage and financial support to the farmers in the event of failure of any of the notified crops as a result of natural calamities, pests & diseases.
  • To stabilize the income of farmers to ensure their continuance in farming.
  • To encourage farmers to adopt innovative and modern agricultural practices.
  • To ensure the flow of credit to the agriculture sector.

Implementation Agency
The Scheme shall be implemented through a multi-agency framework by selected insurance companies under the overall guidance & control of the Department of Agriculture, Cooperation & Farmers Welfare (DAC&FW), Ministry of Agriculture & Farmers Welfare (MoA&FW), Government of India (GOI) and the concerned State in co-ordination with various other agencies; viz Financial Institutions like Commercial Banks, Co-operative Banks, Regional Rural Banks and their regulatory bodies, Government Departments viz. Agriculture, Co-operation, Horticulture, Statistics, Revenue, Information/Science & Technology, Panchayati Raj etc

Notified Area: Notified Area is the Unit of Insurance decided by the State Govt. for notifying a Crop during a season.

Risks to be covered :
  1. Yield Losses: Comprehensive risk insurance is provided to cover yield losses due to non-preventable risks, such as
    • Natural Fire and Lightning
    • Storms, Hailstorms, Cyclones, Typhoons, Tempest, Hurricanes, Tornados, etc.
    • Flood, Inundation, and Landslide
    • Drought, Dry spells
    • Pests/ Diseases etc.
  2. Prevented Sowing (on notified area basis):- In cases where the majority of the insured farmers of a notified area, having the intent to sow/plant and incurred expenditure for the purpose, are prevented from sowing/planting the insured crop due to adverse weather conditions, shall be eligible for indemnity claims upto a maximum of 25% of the sum insured
  3. Post-Harvest Losses (individual farm basis): Coverage is available upto a maximum period of 14 days from harvesting for those crops which are kept in “cut & spread” condition to dry in the field after harvesting, against specific perils of cyclone / cyclonic rains, unseasonal rains throughout the country.
  4. Localized Calamities (individual farm basis): Loss/damage resulting from the occurrence of identified localized risks i.e. hailstorm, landslide, and Inundation affecting isolated farms in the notified area.
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