The Pradhan Mantri Fasal Bima Yojana (PMFBY) was launched in 2016 to support production in agriculture. Under the PM Fasal Bima Yojana, run by the Central Government, the crops of the farmers will be insured, so that the farmers can get compensation in case of crop loss. The government is inviting online applications to register for crop insurance. Farmers can apply online for agricultural insurance cover under the PMFBY scheme.
Most of the farming is done in India, in which sometimes there is a risk of damage to the crops of the farmers due to natural calamities. This scheme has been started to solve such problems of farmers, in which farmers have to be saved from crop damage, so that agriculture can be promoted.
The government is implementing this scheme nationwide for the welfare of farmers. The premium amount under the PMFBY Scheme was fixed at 2% for Kharif and 1.5% for Rabi crops, which was a much higher premium than previous crop insurance policies. Get benefits, eligibility, claim details, and easy steps to protect your crops from natural losses.
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Pradhan Mantri Fasal Bima Yojana
PM Narendra Modi launched this agriculture insurance/crop insurance scheme on 18 February 2016. Farmers can also check PMFBY farmer application status through online mode. The Pradhan Mantri Fasal Bima Yojana only covers natural calamities like drought, hailstorm, etc. If the crop is damaged due to any other reason, the insurance amount will not be provided.
This scheme is specifically for farmers. Under the Pradhan Mantri Fasal Bima Yojana, farmers across the country will be provided insurance in case of crop loss due to any natural calamity. The central government has allocated a budget of ₹8,800 crore for this. Under this scheme, farmers will have to pay 2% of their Kharif crop and 1.5% of their Rabi crop to the insurance company. If you also want to avail the benefits of this scheme then you will have to visit the official website to apply.
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PM Fasal Bima Yojana Rabi 2025-26: Key dates and state-wise deadlines
The Agriculture Ministry has declared a national “Fasal Bima Week” for Rabi 2025–26 from 1 to 31 December 2025.
| State / Scheme | Last date for Rabi 2025-26 enrolment* | Notes |
|---|---|---|
| National window (most states) | 31 December 2025 | As per central Fasal Bima Week schedule |
| Punjab | 15 December 2025 | Wheat, barley focus; earlier cut-off reported |
| Tamil Nadu | 30 November 2025 | Pulses, groundnut; Rabi window closed |
| Jammu & Kashmir | 30 November 2025 | Winter crops; check local notification |
| Jharkhand (Birsa PM Crop Insurance) | 31 December 2025 | State pays farmer premium share |
| Rajasthan and several others | 31 December 2025 | Following national 1–31 December drive |
Budget of prime minister crop insurance scheme
Pradhan Mantri Fasal Bima Yojana was launched by the Prime Minister of India, with the help of which there is a provision to provide insurance in case of crop loss. The best part about this scheme is that it covers the pre-sowing to post-harvest period as well as losses due to sowing and mid-season natural calamities. This year, the budget for this scheme is ₹305 crore more. This scheme will develop the agricultural sector.
Objective of PM Fasal Bima Yojana
There are millions of farmers in the country who work day and night to sow their crops, but due to natural calamities they have to suffer huge losses, sometimes it happens that their entire crop gets destroyed. This causes significant losses to farmers. Therefore, the Prime Minister’s Crop Insurance Scheme was launched to compensate for crop losses and provide relief to farmers.
With the help of Pradhan Mantri Fasal Bima Yojana, farmers have to pay 2 percent premium for Kharif crop and 1.5 percent premium for Rabi crop. After this, if their crops are damaged due to floods, hailstorms, drought or any other natural calamity, then compensation is given by the government.
Coverage of farmers under Pradhan Mantri Fasal Bima Yojana
- All farmers can avail the benefits of this scheme.
- This includes sharecroppers and tenant farmers growing notified crops in notified areas.
- It is mandatory for farmers to have insurance for their crops and land.
- To avail the benefits of this scheme, farmers must submit all the necessary documents.
Documents Required for PMFBY
- Kisan ID Card
- Aadhar Card
- Ration Card
- Bank Account Details
- Farmer’s Address Proof (like Driving License, Passport, Voter ID Card)
- If the farm is cultivated on rent, then the photo copy of the agreement with the owner of the farm
- Farm account number / Khasra number paper
- Applicant’s photo (Passport Photos)
- Date of the day the farmer started sowing the crop
Pradhan Mantri Fasal Bima Yojana Application Form
The complete process to apply online (PMFBY Online Application) for Agriculture Insurance under PMFBY is:-
- The farmers need to go to the PMFBY website and click on the Registration Link.
- The farmers need to fill in the ‘Register for New Farmer User’ form that contains the details of farmer details, residential details, account details and ID details.
- On submitting the ‘Register for New Farmer User’ form, the farmer’s account will be created on the PMFBY website.
- The farmers need to sign in to the PMFBY website and fill in the ‘Crop Insurance Scheme’ application form.
- After filling and submitting the ‘Crop Insurance Scheme’ application form, the application process is complete.
Offline Application Process
Many people are unable to use the internet, due to this farmers can also apply offline under Pradhan Mantri Fasal Bima Yojana, for which you have to follow the procedure given below.
- First, you’ll need to visit your nearest insurance company.
- From here, you’ll need to obtain an application form for the Prime Minister’s Crop Insurance Scheme from the Agriculture Department.
- After this, you will need to enter all the important information asked in the application form, such as your name, mobile number, email ID, etc.
- Now you will need to attach all the important documents with the application form.
- You will then need to submit this application form to the Agriculture Department.
- You will then need to pay the premium amount.
- You will then be given a reference number.
- You must keep this reference number with you.
- You can check the status of your application using this number.
As we mentioned earlier, with the help of Pradhan Mantri Fasal Bima Yojana, insurance cover is provided for crop loss due to natural calamity. Apart from this, the insurance company has also appointed employees at the district and block level, so that this scheme can be implemented quickly and properly. In addition, the government has formed a Grievance Redressal Committee to address all farmers’ complaints. This Grievance Redressal Committee operates at the district level.
Under this scheme, crops like paddy, maize, millet, and cotton will be insured during the Kharif season, and wheat, barley, chickpea, and mustard during the Rabi season. Farmers wishing to benefit from this scheme must register on the portal before July 31st.
How to Claim Crop Insurance
If your crop has been damaged and you want to file an insurance claim, it’s important to keep a few things in mind. You’ll need to inform the insurance company about small-scale natural disasters. If you delay in giving information to the insurance company, your claim will not be paid.
Natural disasters include hailstorms, landslides, heavy rain, cloudbursts, natural fires, and unseasonal rain or excessive rainfall. Recently, insurance claims for approximately 930,000 farmers have been rejected. Because he did not inform the insurance company about the natural disaster in time.
Claim Process under Pradhan Mantri Fasal Bima Yojana
If your crop is damaged then you can claim the insurance amount by following the below procedure.
- First, you must report the crop loss to the insurance company, bank, or state government official.
- You must provide this information within 72 hours. You must ensure that they provide this information to the insurance company as soon as possible.
- The damage will be assessed within the next 10 days and the damage will be determined.
- The insurance amount will be deposited into your account within 15 days of completion of the entire process.
The registration lines for crop insurance for PMFBY are now open and all the interested farmers can apply online for agriculture insurance on the official website of PM Fasal Bima Yojana pmfby.gov.in.