PM Fasal Bima Yojana 2025: Pradhan Mantri Fasal Bima Yojana (PMFBY) 2025 is an important scheme launched by the government to provide insurance coverage to Indian farmers against crop losses.
The objective of this scheme is to provide financial assistance to farmers against crop losses due to natural calamities , pests and diseases .
PM Fasal Bima Yojana 2025 Overview
Pradhan Mantri Fasal Bima Yojana ( PMFBY ) is a scheme that provides financial assistance to farmers for crop loss or damage due to sudden events. Following are the brief details of this scheme:-
| Name of the scheme | Prime Minister Crop Insurance Scheme |
| Start From | by the central government |
| Beneficiary | All the farmers of India |
| Objective | Financial assistance to farmers |
| Maximum Amount | 2 lakh rupees |
| Application Process | Online/Offline (Online/Online) |
| Related Department | Department of Agriculture and Farmers Welfare |
| Official Website |
PM Fasal Bima Yojana 2025 (What is Prime Minister Crop Insurance Scheme)
Pradhan Mantri Fasal Bima Yojana (PMFBY) is a government scheme aimed at providing financial security to farmers against crop loss and damage .
This scheme has been created to stabilize the income of farmers and make their farming secure through crop insurance. The following major aspects will be focused on under this scheme in 2025:-
- Crop Insurance Cover: Under the scheme, farmers will be provided comprehensive insurance cover against crop losses . This includes crop losses due to natural calamities, weather abnormalities, pests and diseases.
- Affordable premium rates: Insurance will be provided to farmers at low premium rates. With this, small and middle class farmers will also be able to take advantage of this scheme.
- Quick and transparent claims settlement: New technologies and processes will be implemented, such as the use of drones and satellite data, to simplify and expedite the claims process.
- Use of latest technology: Latest technologies will be used to monitor and manage insurance claims, thereby increasing transparency and accuracy in the process.
- Expansion and Reach: The scheme will be expanded to new districts and areas so that more farmers can benefit from it.
PM Fasal Bima Yojana 2025 (Benefits of Prime Minister Crop Insurance Scheme)
The premium rate to be paid by the farmers is 2 percent of the total insured amount under the Pradhan Mantri Fasal Bima Yojana in Kharif year 2025. Main crop irrigated paddy Rs. 1200 , unirrigated paddy Rs. 900 and other crops maize Rs. 900 , peanuts Rs. 840 , moong and urad Rs. 540, soybean Rs. 960 , tur Rs. 760 , kodo Rs . 320 , kutki Rs. 340. The government gives all this amount to the farmers. The following are the benefits of Pradhan Mantri Fasal Bima Yojana (PMFBY) 2025:-
- Financial Security: The scheme provides financial assistance to farmers in case of loss or damage to the crop, allowing them to recoup the cost of the crop and avoid financial distress.
- Affordable insurance premium: Farmers receive insurance cover at lower premium rates, making the cost of insurance more accessible to them.
- Dispute Resolution and Claims Settlement: Quick and transparent claims settlement process ensures quick compensation to farmers, allowing them to rebuild quickly after crop loss.
- Comprehensive Coverage: Insurance cover is provided for crop losses caused by natural calamities, weather abnormalities, pests and diseases, thereby providing protection against various types of crop losses.
- Use of latest technology: Using drones, satellite imaging and other technologies, crop loss assessment and claim process is made more accurate and transparent.
PM Fasal Bima Yojana 2025 (Purpose of Prime Minister Crop Insurance Scheme)
Under the Pradhan Mantri Fasal Bima Yojana, the government provides different amounts to the farmers on the loss of different crops.
The farmers of the country have to fulfill some necessary eligibility to get benefits under this scheme , and along with this they have to prepare the necessary documents. The main objectives of this scheme are as follows:
- Providing financial security: To provide financial assistance to farmers in case of crop loss due to natural calamities , pests , diseases , and other risks so that their financial condition is not adversely affected.
- Maintaining income stability: Helps maintain stability in farmers’ income despite crop losses. This helps keep farmers financially secure and they can continue their agricultural activities even in times of crisis.
- Encouraging credit flow to the agriculture sector: Encouraging banks and other financial institutions to lend to farmers through the crop insurance scheme . When insurance coverage is available, banks are more confident that they can lend to farmers.
- Providing technical and statutory support: Providing technical support and statutory support to farmers for easy access to insurance policies and beneficial services. Various digital platforms and easy registration processes are included under the scheme.
- Increasing the reach of crop insurance: To extend the benefits of this scheme to more and more farmers and to increase the list of crops covered under insurance coverage so that farmers can get wider coverage.
PM Fasal Bima Yojana 2025 Eligibility Criteria (Prime Minister Crop Insurance Scheme Eligibility Criteria)
Farmers across the country who grow notified crops, whether they are land owners or tenants in scheduled areas, are eligible. The applicant must be an Indian resident to avail the benefit.
The farmers must belong to poor or middle class families. Following are the eligibility criteria under Pradhan Mantri Fasal Bima Yojana (PMFBY):
- Category: This scheme can be availed by small and marginal farmers (i.e. farmers who have less than 2 hectares of land) as well as general farmers.
- Registration: The eligible farmer has to register for the insurance scheme through the concerned government department or insurance companies.
- Crop Category: The scheme is applicable to food crops , oilseeds , pulses , and commercial crops (like sugarcane, cotton ).
- Crop Rotation: The crops included in the plan and their rotation are determined by the local agricultural department .
- Use: Only croplands that are certified for agricultural use are eligible for insurance.
- Agricultural Land: To avail the benefits of the scheme, farmers have to cultivate agricultural land, and the land information must be recorded in the relevant records.
- Indebted Farmers: Farmers who are availing agriculture loan are automatically provided insurance under the scheme.
- Non-loan taking farmers: Farmers who are not taking agricultural loan have to register to get insurance under the scheme.
- International Floods and Droughts: The coverage of the plan includes natural calamities such as floods, droughts, and cyclones, and farmers receive benefits under these circumstances as well.
- Social Groups: Farmers from Scheduled Caste (SC), Scheduled Tribe (ST), and other weaker sections also get the benefit of the scheme.
- Registration Deadline: There is a specified deadline for registration under the scheme, which is decided as per the crop season and insurance scheme.
- Premium Payment: Farmers have to pay a premium under the scheme, which is decided based on the total cost of their crop and the insurance cover. Top of Form Bottom of Form
- All farmers who grow the declared crops in the declared areas.
- Landless and tenant farmers are also eligible.
- The scheme is applicable to farmers who have taken crop loan or are under Kisan Credit Card (KCC).
PM Fasal Bima Yojana Required Document (Documents required for Prime Minister Crop Insurance Scheme)
- Farmer Identity Card:- Aadhar Card or any other Government Identification Card.
- Farm Documents :- Land Records, Lease Certificate etc.
- Bank Account Details :- Bank Account Number and IFSC Code.
- Crop information:- Details of the crop being grown, area etc.
- Rent Agreement/Seat House Proof :- Proof of residence, if required.
- Certificate from local agriculture officer :- This certificate can be to confirm the presence and condition of the crop.
- Registration Form :- Required to be filled while applying for PMFBY. This form can generally be obtained from the agriculture department or insurance companies.
- Agricultural Enterprise Registration :- Certificate if registered for a particular agricultural enterprise.
- Crop Details :- Variety of crop insured, area, and other related details.
- Loan Sanction Letter : – Issued by the lender if the farmer is taking agricultural loan.
How to apply in PM Fasal Bima Yojana 2025
The process of applying under Pradhan Mantri Fasal Bima Yojana ( PMFBY ) 2025 is simple and convenient. Here are the general steps to apply:
application procedure:
- Register and collect information:- First of all, make sure you are eligible for the scheme and have the required documents. Contact your nearest agriculture office or bank for eligibility information.
- Apply Online:- Website Many states and the central government have provided the facility of applying on the online portal. You can apply by visiting the official website of Pradhan Mantri Fasal Bima Yojana.
- Digital Platforms:- Online application facility may also be available on the website of your state government or agriculture department.
- Bank/Agriculture Department Office:- You can also apply by visiting your nearest bank branch or agriculture department office. Here you will get the application form which has to be filled and submitted.
- Cooperatives:- In some places agricultural cooperatives can also assist with the application process.
- Pay the prescribed amount for the insurance policy:- Pay the premium amount along with the application. This amount is determined based on your crop and area. The premium is usually minimal, and the government gives some part of it as subsidy.
- Get a receipt:- After submitting the application you will receive an acknowledgement or receipt. Make sure to keep the acknowledgement safe.
- Insurance Policy Documents:- Once your application is approved, the policy documents will be sent to your address or made available online by the insurance company.
Note:
- Check your state’s agriculture department or insurance company’s website for application deadlines and other specific details.
- If you don’t want to use digital platforms or are experiencing trouble, you can get personal assistance from your local agriculture department or bank.
- Thus, you must complete the application process on time to avail the full benefits of the scheme.