WHAT IS PM FASAL BIMA YOJANA ??/DETAIL INFORMATION ABOUT PM FASAL BIMA YOJANA /PM Fasal Bima Yojana (PMFBY): Eligibility, Benefits & How to Apply
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What is PM Fasal Bima?
Pradhan Mantri Fasal Bima Yojana insures a farmer's crop against natural calamities, pests and disease at a premium the farmer barely feels — 1.5% to 5% of the sum insured, with the government picking up the rest of the actuarial cost. Launched in 2016 to replace older, less generous crop insurance schemes, PMFBY enrols loanee farmers automatically the moment their bank disburses a crop loan, so most farmers with institutional credit don't have to apply at all unless they choose to opt out; non-loanee and tenant farmers register separately, either online at pmfby.gov.in or through the nearest Common Service Centre. When a notified crop fails from calamity, pest attack or disease, the assessed compensation is credited straight to the farmer's linked bank account.
PM Fasal Bima — Quick Overview
| Scheme Name | PM Fasal Bima Yojana — Crop Insurance Scheme |
| Launched By | Government of India |
| Launch Year | 2016 |
| Benefit | Crop loss compensation with premium as low as 1.5% to 5% of sum insured |
| Category | Agriculture |
| Last Verified | 1 June 2026 |
| Official Portal | https://pmfby.gov.in |
Benefits of PM Fasal Bima
Crop loss compensation with premium as low as 1.5% to 5% of sum insured
Who is Eligible for PM Fasal Bima?
✓All farmers growing notified crops
✓Both loanee and non-loanee farmers
✓Sharecroppers and tenant farmers also eligible
🌾 How to Apply for PM Fasal Bima Yojana (PMFBY)?
Farmers can apply for crop insurance online or through authorized offline channels.
📝 Online Application Process
- Visit the official PMFBY Crop Insurance Portal.
- Go to Farmer Corner → Apply for Crop Insurance.
- Register as a new farmer using your personal and bank details.
- Enter your name, mobile number, address, Aadhaar/other ID details, and bank account details.
- Select your State, District, Village, crop, and season.
- Upload the required documents.
- Pay the applicable farmer premium.
- Submit the application and save the application/policy number for future tracking.
📄 Documents Usually Required
- Aadhaar Card or other valid ID
- Mobile number
- Bank account details and IFSC
- Land ownership/tenancy or cultivation documents
- Sowing declaration or other crop-related details, where applicable
🏦 You Can Also Apply Through
- Bank branch
- Common Service Centre (CSC)
- Authorized insurance intermediary
- State government-authorized channels
Important: Crop insurance enrollment deadlines and notified crops vary by state, district, crop, and season, so apply before the applicable cut-off date. For assistance or to report crop loss, the official PMFBY portal lists the 14447 helpline.
⚠️ Common Mistakes — Why PM Fasal Bima Applications Get Rejected
✗Reporting crop loss after the 72-hour window — late intimation can lead to the claim being rejected.
✗Insuring a crop that is not notified by the state for that season, so no cover applies.
✗Missing the sowing certificate or land records (Khasra/Khatauni) needed to validate the insured area.
✗Aadhaar not linked to the bank account, so the compensation cannot be paid through DBT.
✗Enrolling through an unofficial agent or fake site instead of the official pmfby.gov.in portal, the PMFBY app, or your bank.
💡Insider Tips for PM Fasal Bima
→Enrol before the cut-off date for the Kharif or Rabi season — late enrolment is not accepted for that crop cycle.
→Report any crop loss within 72 hours through the PMFBY app, portal or the insurer's helpline so your claim is registered in time.
→Keep your land records and sowing certificate ready and matching your Aadhaar details before applying.
→Make sure your bank account is Aadhaar-linked and active so compensation reaches you directly.
→Use the official portal, app or your bank — enrolment is free for non-loanee farmers beyond the small premium, so never pay an agent.