What is PMFBY and How to Apply for This Scheme?

Pradhan Mantri Fasal Bima Yojana (PMFBY) is a government-backed crop insurance scheme launched by the Ministry of Agriculture & Farmers Welfare, Government of India. It aims to support farmers by providing insurance coverage and financial support in case of crop failure due to natural calamities, pests, or diseases.

✅ What is PMFBY?

PMFBY stands for Pradhan Mantri Fasal Bima Yojana, launched on 18th February 2016.

Objectives:

To provide insurance coverage and financial support to farmers.
To stabilize farmers' income during crop loss or damage.
To encourage farmers to adopt modern agricultural practices.
To ensure the flow of credit to the agriculture sector.

🌾 Crops Covered Under PMFBY:

Kharif Crops (e.g., Paddy, Maize, Soybean, Cotton)
Rabi Crops (e.g., Wheat, Barley, Mustard, Gram)
Commercial/Annual Horticultural Crops

🛡️ Risks Covered:

Natural calamities (flood, drought, cyclone)
Pests and diseases
Post-harvest losses due to cyclones/rains
Localized calamities (hailstorm, landslide, etc.)

📌 Key Features of PMFBY:

Low premium rates:

2% for Kharif crops
1.5% for Rabi crops
5% for commercial/horticultural crops

Balance premium is paid by the government.
Technology-based assessment using remote sensing, GPS, and mobile apps.
Coverage up to the full sum insured without capping.

👩‍🌾 Who Can Apply?

All farmers, including sharecroppers and tenant farmers, growing notified crops in notified areas with insurable interest can apply.

📝 Documents Required:

Aadhaar Card
Land records (Record of Rights / Lease Agreement)
Bank account passbook
Crop Sowing Certificate (if applicable)
Recent passport-sized photo

🖥️ How to Apply for PMFBY Online?

You can apply easily through the official PMFBY portal.

Step-by-Step Process:

Visit the official website – https://pmfby.gov.in
Click on "Farmer Corner" and select "Register" (if new).
Fill in your personal details, Aadhaar number, and mobile number.
Log in and click “Apply for Insurance”.
Select the season, state, district, crop, and insurance company.
Upload required documents.
Submit the form and pay the premium online.

✅ You will receive an acknowledgment with a reference number for future tracking.

📅 Last Dates to Apply:

Kharif Season: Usually by July 31
Rabi Season: Usually by December 31

(Dates may vary based on state and year)

📞 Helpline & Support:

Toll-Free Number: 1800-180-1551
Email: help.pmfby@gov.in

📌 Important Links:

Name	Link
Official Website	pmfby.gov.in
Apply Online	Click Here to Apply
Track Application	Check Status
Download PMFBY App	Google Play Store

🧾 Final Words:

PMFBY is a vital support system for farmers to reduce financial risks during crop failure. By registering under this scheme, farmers can protect their livelihood and continue cultivating with confidence.

If you’re a farmer or know one, spread awareness and apply now!

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