PM Fasal Bima Yojana (PMFBY) is a government crop insurance scheme launched on 18th February 2016 by Prime Minister Narendra Modi to protect farmers from financial losses due to crop failure. The scheme replaced the previous National Agricultural Insurance Scheme (NAIS) and Modified NAIS with a unified “One Nation, One Scheme” approach.
Under this program, farmers pay a very small premium share only 2% for Kharif crops, 1.5% for Rabi crops, and 5% for commercial/horticultural crops while the Central and State governments subsidize the remaining premium amount. The scheme covers losses from natural disasters, pests, diseases, and even post-harvest damages, ensuring that farmers do not fall into debt traps during bad agricultural years.
In this article, you will learn everything about PM Fasal Bima Yojana including who can apply, how to check your application status, important dates for 2026, required documents, benefits, premium rates, claim process, and answers to frequently asked questions. Whether you are a loanee farmer automatically covered through your bank or a non-loanee farmer looking to enroll voluntarily, this guide covers all the steps you need to follow.
Overview of PM Fasal Bima Yojana
PM Fasal Bima Yojana provides comprehensive crop insurance coverage from pre-sowing to post-harvest stages. The scheme uses modern technology like satellite imaging, drones, and mobile apps to assess crop losses accurately and settle claims quickly—usually within two months of harvest. It is implemented by the Ministry of Agriculture and Farmers Welfare through empaneled insurance companies and covers all food crops, oilseeds, and annual commercial/horticultural crops in notified areas across all states and union territories.
| Feature | Details |
|---|---|
| Scheme Name | Pradhan Mantri Fasal Bima Yojana (PMFBY) |
| Launched By | Government of India (PM Narendra Modi) |
| Launch Date | 18th February 2016 |
| Ministry | Ministry of Agriculture & Farmers Welfare |
| Coverage | All States and Union Territories |
| Beneficiaries | All farmers including sharecroppers & tenant farmers |
| Premium (Kharif) | 2% of Sum Insured |
| Premium (Rabi) | 1.5% of Sum Insured |
| Premium (Commercial) | 5% of Sum Insured |
| Claim Settlement | Within 2 months of harvest |
| Application Mode | Online & Offline |
| Official Website | pmfby.gov.in |
Eligibility Criteria of PM Fasal Bima Yojana
To enroll under PM Fasal Bima Yojana, farmers must meet the following eligibility conditions:
- All farmers growing notified crops in notified areas are eligible including sharecroppers and tenant farmers
- Loanee Farmers: Those who have taken seasonal agricultural operations (SAO) loans or crop loans from banks are automatically covered for notified crops
- Non-Loanee Farmers: Can voluntarily enroll by paying the prescribed premium through the PMFBY portal
- Must possess a valid Aadhaar number for enrollment and verification
- Must have authenticated land ownership certificate or valid land tenure agreement/lease papers
- Must have an insurable interest in the insured crops
- Must not have received compensation for the same crop loss from any other source
- Special efforts are made to ensure maximum coverage of SC/ST and women farmers
- The scheme is now optional for all farmers including those with Kisan Credit Card (KCC) loans
Benefits of PM Fasal Bima Yojana
PM Fasal Bima Yojana offers multiple benefits to safeguard farmers’ livelihoods:
Affordable Premium Rates
- Farmers pay only 2% premium for Kharif food and oilseed crops
- Only 1.5% premium for Rabi food and oilseed crops
- Only 5% premium for annual commercial and horticultural crops
- The remaining premium is heavily subsidized by Central and State governments
- For farmers in North-Eastern states, Jammu & Kashmir, and Himachal Pradesh, the government pays the entire premium
Comprehensive Risk Coverage
- Yield Losses: Covers damage to standing crops from natural fire, lightning, storm, hailstorm, flood, drought, pests, and diseases
- Prevented Sowing: If farmers cannot sow due to adverse weather, they get up to 25% of the sum insured
- Post-Harvest Losses: Coverage for up to 14 days after harvesting for crops in “cut and spread” condition
- Localized Calamities: Covers individual farm losses from hailstorm, landslide, and inundation
- Wild Animal Attacks: Some states offer add-on coverage for crop damage by wild animals
Timely Compensation
- Claims are processed within two months of harvest
- Direct Benefit Transfer (DBT) to farmers’ Aadhaar-linked bank accounts
- Prevents farmers from falling into debt traps during crop failure years
Technology-Driven Implementation
- YES-TECH: Uses remote sensing and AI for accurate yield estimation
- CROPIC: Geotagged photos for precise crop damage assessment
- National Crop Insurance Portal (NCIP): Complete digitization from enrollment to claim settlement
Application Procedure of PM Fasal Bima Yojana
Farmers can apply for PMFBY through both online and offline methods:
Online Application Process
- Visit Official Portal: Go to pmfby.gov.in
- Farmer Corner Login: Click on “Farmer Corner” and select “Guest Farmer” or “Registered Farmer”
- Create Account: Enter Aadhaar number, mobile number, and bank details for first-time registration
- Fill Application Form: Select your state, district, block, season (Kharif/Rabi), and notified crop
- Upload Documents: Attach scanned copies of Aadhaar card, land records, and bank passbook
- Pay Premium: Pay the applicable premium (1.5%, 2%, or 5%) through net banking, UPI, or debit card
- Get Acknowledgment: Download the receipt with your application number for future status tracking
Offline Application Process
- Visit Nearest Center: Go to your nearest Common Service Centre (CSC), designated bank branch, or local agriculture office
- Submit Documents: Provide Aadhaar card, land documents, crop details, and bank passbook
- Form Filling: The official will fill the PMFBY application form on your behalf
- Premium Payment: Pay your share of the premium through the center
- Collect Receipt: Keep the policy reference number safe for status checking later
Important Dates of PM Fasal Bima Yojana
| Season/Activity | Important Dates |
|---|---|
| Kharif Enrollment Period | June to July (varies by state) |
| Rabi Enrollment Period | October to December (varies by state) |
| Rabi 2025-26 Last Date | Check state-specific deadlines (e.g., Maharashtra: Dec 15, 2025 for wheat) |
| Claim Reporting Window | Within 72 hours of crop loss occurrence |
| Claim Settlement | Within 2 months after harvest |
| Premium Payment Deadline | Before the season’s cut-off date set by respective states |
Note: Exact dates vary by state, district, and crop type. Farmers should check the official PMFBY portal or contact their nearest CSC for location-specific deadlines.
Documents Required to Apply for PM Fasal Bima Yojana
- Aadhaar Card (Mandatory for identity verification and e-KYC)
- Bank Passbook (Aadhaar-linked account for DBT of claims)
- Land Ownership Records (RoR/Khasra/Khatauni for ownership proof)
- Land Possession Certificate or Lease Agreement (For tenant farmers/sharecroppers)
- Photo Identity Proof (PAN card, Voter ID, or Driving License)
- Passport-size Photograph (For application form)
- Ration Card (As residence proof if required)
- Voter ID Card (Additional address proof)
- Sowing Certificate (Signed by Patwari/Sarpanch confirming crop sown)
- Agreement Photocopy (For leased land cultivation proof)
Status Check of PM Fasal Bima Yojana Application
Farmers can easily check their PMFBY application status online:
- Visit Official Website: Go to pmfby.gov.in
- Click Application Status: Find the “Application Status” or “Check Status” option under Farmer Corner
- Enter Details: Input your application/receipt number or Aadhaar number
- Fill Captcha: Enter the security code displayed on screen
- View Status: Click submit to see current status—Submitted, Approved, or Reverted
Alternative Methods:
- Download the “Crop Insurance” or “Fasal Bima” mobile app from Google Play Store
- Login with your mobile number and check status under “Track Application”
- Visit your nearest CSC center with your Aadhaar card and application number
- Contact your bank branch if you applied as a loanee farmer
Application Fee and Scheme Fee
PM Fasal Bima Yojana does not charge any separate application fee or registration fee. Farmers only need to pay their share of the insurance premium:
- Kharif Crops: 2% of Sum Insured
- Rabi Crops: 1.5% of Sum Insured
- Commercial/Horticultural Crops: 5% of Sum Insured
The remaining premium amount is shared equally by the Central and State governments. There is no upper limit on government subsidy. For farmers in North-Eastern states, Jammu & Kashmir, and Himachal Pradesh, even the farmer’s share is paid by the government, making it completely free.
Latest Updates of PM Fasal Bima Yojana
- Voluntary Coverage: Since 2020, the scheme is optional for all farmers including loanee farmers (previously mandatory for loanee farmers)
- Technology Integration: Enhanced use of YES-TECH for remote sensing-based yield estimation and CROPIC for geotagged photo verification
- KRPH Helpline: New centralized grievance redressal through toll-free number 14447 available 24×7
- WhatsApp Chatbot: Farmers can now get assistance through WhatsApp number 7065514447
- Non-Loanee Coverage: Increased to 55% of total coverage during 2023-24 showing growing voluntary participation
- Meri Policy Mere Haath: Campaign to deliver policy documents directly to farmers’ doorsteps
- Penalty for Delay: States face penalties for delayed premium share release, ensuring faster claim settlements
Selection Process of PM Fasal Bima Yojana
The selection and coverage process works as follows:
- Crop Notification: State governments notify eligible crops and areas before each season
- Farmer Enrollment: Loanee farmers are automatically enrolled through banks; non-loanee farmers enroll voluntarily
- Premium Collection: Farmer’s share deducted from loan accounts (loanee) or paid online/offline (non-loanee)
- Risk Coverage Period: Insurance coverage begins from sowing and continues through harvest
- Loss Assessment: When damage occurs, joint teams of insurance companies, agriculture department, and local officials assess losses using area-based or individual farm-level evaluation
- Claim Calculation: Based on difference between threshold yield and actual yield
- Compensation Disbursement: Amount transferred directly to farmer’s Aadhaar-linked bank account through DBT
Common Mistakes While Applying
- Providing incorrect or mismatched bank account details not linked with Aadhaar
- Uploading blurry or incomplete scanned documents
- Selecting wrong crop or season not notified for your area
- Using a mobile number not linked with Aadhaar for OTP verification
- Missing the state-specific enrollment deadline
- Not verifying land records before application submission
- Applying for crops not actually sown in the field
- Entering wrong survey number or land area details
Reasons for Application Rejection
- Invalid or unauthenticated land ownership documents
- Aadhaar not linked with bank account for DBT
- Applying for non-notified crops in non-notified areas
- Duplicate applications for same crop and season
- Incorrect premium payment or incomplete payment
- Mismatch between declared crop and actual sowing certificate
- Application submitted after the enrollment deadline
- Farmer not having insurable interest in the declared crop
- Previous compensation received for same loss from other sources
PM Fasal Bima Yojana Portal Registration and Login
How to Register on PMFBY Portal
- Visit pmfby.gov.in
- Click on “Farmer Corner” in the menu
- Select “New Farmer Registration” or “Guest Farmer”
- Enter your Aadhaar number and verify with OTP sent to linked mobile
- Fill personal details, bank details, and land information
- Create username and password for future login
- Complete e-KYC process
How to Login to PMFBY Portal
- Go to the official website homepage
- Click “Farmer Login” under Farmer Corner
- Enter your registered mobile number or username
- Enter password and captcha code
- Click “Login” to access your dashboard
- View enrolled policies, check status, and file claims
Reset and Forget Password for PMFBY Portal
If you forget your PMFBY portal password:
- Go to the login page and click “Forgot Password”
- Enter your registered mobile number or Aadhaar number
- Verify with OTP sent to your mobile
- Create a new strong password (minimum 8 characters with letters and numbers)
- Confirm the new password and submit
- Login again with new credentials
Tip: If your mobile number is changed, visit your nearest CSC center to update your contact details in the PMFBY database before attempting password reset.
Grievance Redressal Process
PM Fasal Bima Yojana provides multiple channels for farmer grievances:
- KRPH Helpline: Call toll-free 14447 available 24×7 throughout the year for any crop insurance queries, complaints, or claim issues
- WhatsApp Support: Message 7065514447 for quick assistance and tracking
- Online Complaint: Use the grievance section on pmfby.gov.in to register complaints
- Insurance Company: Contact your designated insurance company’s toll-free number for claim-related grievances
- State Agriculture Department: Visit local agriculture offices for unresolved issues
- Common Service Centres: CSC VLEs can help escalate technical issues to higher authorities
Farmers should keep their application number, Aadhaar number, and policy details ready when filing complaints for faster resolution.
Renewal Process of PM Fasal Bima Yojana
PMFBY operates on a seasonal basis and requires renewal for each crop season:
- Automatic Renewal (Loanee): If you have a running crop loan, your bank automatically renews coverage for the next season by deducting premium from your loan account
- Manual Renewal (Non-Loanee): Login to PMFBY portal before each season’s deadline
- Update Details: Verify and update land records, crop selection, and bank details if changed
- Pay Premium: Pay the applicable season premium online or through CSC
- Download New Policy: Get your renewed policy document from the portal
Important: Non-loanee farmers must actively enroll each season before the cutoff date. There is no automatic rollover from previous seasons.
Important Links and PDFs of PM Fasal Bima Yojana
| Resource | Link |
|---|---|
| Official Website | https://pmfby.gov.in |
| National Crop Insurance Portal | https://pmfby.gov.in |
| PMFBY Operational Guidelines | Available on PIB website |
| State-wise Crop Notification | Check pmfby.gov.in dashboard |
| Claim Forms | Download from Farmer Corner |
| Mobile App | “Fasal Bima” on Google Play Store |
| Grievance Portal | https://pmfby.gov.in |
Contact and Information of PM Fasal Bima Yojana
- Toll-Free Helpline: 14447 (KRPH – Kisan Rakshak Portal & Helpline)
- WhatsApp Number: 7065514447
- Insurance Company Helplines:
- HDFC ERGO: 1800-2-660-700
- IFFCO Tokio: 1800-103-5490
- SBI General: 1800 102 1111
- Email: grievancespmfby@gmail.com (for Haryana region)
- Ministry: Ministry of Agriculture & Farmers Welfare, Government of India
- Address: Krishi Bhawan, New Delhi – 110001
- Local Contact: Nearest CSC, Bank Branch, or Agriculture Department Office
Frequently Asked Questions (FAQs)
Q1. What is PM Fasal Bima Yojana?
PM Fasal Bima Yojana is a government crop insurance scheme that provides financial protection to farmers against crop losses due to natural disasters, pests, and diseases.
Q2. Who is eligible for PMFBY?
All farmers including sharecroppers and tenant farmers growing notified crops in notified areas are eligible. Both loanee and non-loanee farmers can apply.
Q3. What is the premium amount for PMFBY?
Farmers pay only 2% for Kharif crops, 1.5% for Rabi crops, and 5% for commercial/horticultural crops. The rest is government subsidized.
Q4. How can I apply for PM Fasal Bima Yojana online?
Visit pmfby.gov.in, click Farmer Corner, register with Aadhaar, fill details, upload documents, and pay premium online.
Q5. How to check PMFBY application status?
Go to pmfby.gov.in, click “Application Status,” enter your application number or Aadhaar number, fill captcha, and view status.
Q6. What documents are required for PMFBY?
Aadhaar card, bank passbook, land records, sowing certificate, passport photo, and identity proof are required.
Q7. Is PMFBY mandatory for loanee farmers?
No, since 2020 PMFBY is optional for all farmers including those with crop loans or KCC.
Q8. How much time does it take to get claim amount?
Claims are settled within two months of harvest if all documents and verification are complete.
Q9. What crops are covered under PMFBY?
Food crops (cereals, millets, pulses), oilseeds, and annual commercial/horticultural crops notified by your state government.
Q10. Can tenant farmers apply for PMFBY?
Yes, tenant farmers and sharecroppers can apply by submitting valid lease agreement or land possession certificate.