The Government of India has strengthened the Pradhan Mantri Fasal Bima Yojana (PM Crop Insurance Scheme 2025) to safeguard farmers against crop loss due to drought, flood, cyclone, hailstorm, pests, and diseases. The scheme offers low premium, wide coverage, and quick claim settlement via technology-enabled assessments.
Key Highlights (2025)
- Coverage for food, oilseed, commercial, and horticultural crops.
- Farmer premium: 2% (Kharif), 1.5% (Rabi), 5% (Commercial/Horticultural).
- Remaining premium subsidized by Central & State Governments.
- DBT – claim amount credited directly to farmer’s bank account.
- Apply online via portal or mobile app; also available at CSCs.
- Protection from natural calamities + pests & diseases.
Objectives
- Provide financial support for notified crop losses.
- Stabilize farm income and reduce risk.
- Encourage adoption of modern agri practices.
- Support national food security.
Eligibility Criteria
- Applicant must be an Indian farmer cultivating notified crops in notified areas.
- Both loanee (with seasonal agri/crop loans) and non-loanee farmers are eligible.
- Valid land records/lease papers as applicable.
Documents Required
- Aadhaar Card
- Bank Passbook / Account details
- Land ownership proof / lease agreement
- Recent passport-size photograph
- Crop details (e.g., sowing certificate if required)
Premium Rates (Farmer’s Share)
| Crop Type | Farmer Premium | Govt. Share (Subsidy) |
|---|---|---|
| Kharif Crops | 2% of Sum Insured | Balance by Centre + State |
| Rabi Crops | 1.5% of Sum Insured | Balance by Centre + State |
| Commercial Crops | 5% of Sum Insured | Balance by Centre + State |
| Horticultural Crops | 5% of Sum Insured | Balance by Centre + State |
Key Benefits
- Low premium, high coverage against multiple risks.
- Timely claim settlement using tech-based yield assessment.
- Nationwide availability; supports millions of farmers.
- Helps farmers continue cultivation without financial stress.
How to Apply Online (Step-by-Step)
- Go to the official portal: pmfby.gov.in.
- Click “Farmer Registration” and create an account.
- Enter Aadhaar, mobile, bank details; select notified crop & season.
- Upload required documents and submit the form.
- Download/print the acknowledgment receipt for reference.
- Alternatively, apply via Common Service Centers (CSCs) or the PMFBY mobile app.
Important Notes
- Enrollment & cut-off dates are notified by State Governments for each season.
- Ensure bank account is active & linked to Aadhaar for DBT.
- Provide accurate land and crop details to avoid claim issues.
FAQ – PM Crop Insurance Scheme 2025
Q1. What premium do farmers pay?
✔️ 2% (Kharif), 1.5% (Rabi), 5% (Commercial/Horticultural).
Q2. Who is eligible?
✔️ All loanee and non-loanee farmers cultivating notified crops in notified areas.
Q3. How are claims paid?
✔️ Via Direct Benefit Transfer (DBT) to the farmer’s bank account.
Q4. Where to apply?
✔️ PMFBY official portal, CSCs, or the mobile app.
Conclusion
The PM Crop Insurance Scheme 2025 is a vital safety net for India’s farmers. With low premiums, comprehensive risk coverage, and direct claim settlement, it helps stabilize incomes and promotes resilient agriculture. Eligible farmers should enroll within state-notified dates through the PMFBY portal.
Disclaimer:
This article is for informational purposes only. Please check the official website and state agriculture notifications for the latest rules, notified crops, areas, and timelines.
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