Pradhan Mantri Fasal Bima Yojana

1. To encourage modern agricultural practices and risk management. 

Key Features of PMFBY

1. Uniform premium rates: 

2% for Kharif crops 

1.5% for Rabi crops 

5% for commercial and horticultural crops 

1. The remaining premium is shared by the central and state governments. 

1. Wider coverage: Natural calamities, pests, diseases, droughts, floods, etc. 

1. Use of technology: Satellite imagery, GPS, and smartphones for faster claim settlements. 

Eligibility Criteria

1. All farmers, including sharecroppers and tenant farmers, growing notified crops in notified areas. 

1. Must have an insurable interest on the insured crop. 

Crops Covered Under PMFBY

1. Food crops: Cereals, millets, and pulses. 

1. Oilseeds 

1. Annual commercial/horticultural crops 

How to Apply for PMFBY Online

Farmers can register for the scheme through: 

• Official website: https://pmfby.gov.in 
• Nearest Common Service Centers (CSCs) 
• Through banks or insurance agents 

Steps to Apply Online:

• Visit https://pmfby.gov.in 
• Click on “Farmer Corner” and choose “Apply for Crop Insurance” 
• Enter Aadhaar number, mobile number, and crop details 
• Upload required documents (land records, bank passbook, etc.) 
• Submit the application and download the acknowledgment 

Documents Required for PMFBY

1. Aadhaar card 

1. Bank account details 

1. Land ownership proof or tenancy agreement 

1. Crop sowing details 

PMFBY Insurance Claim Process

• Inform within 72 hours of crop damage. 
• Joint survey by officials and insurance representatives. 
• Claim settlement within two weeks of yield data receipt. 

Benefits of Pradhan Mantri Fasal Bima Yojana

1. Affordable insurance premium. 

1. Financial protection against crop loss. 

1. Faster claim settlement using tech-based assessment. 

1. Encourages sustainable farming practices. 

PMFBY Mobile App

Farmers can also download the PMFBY mobile app for: 

1. Applying for crop insurance 

1. Checking status of claims 

1. Viewing weather forecasts and advisories 

Recent Updates on PMFBY (2025)

1. Enhanced digital integration for claim processing. 

1. More transparency and accountability via real-time monitoring. 

1. Voluntary participation from 2020 onward.