HARYANA FASAL BARPAHIYA YOJANA

1. Haryana govt launched crop insurance portal of ‘Mukhya Mantri
Bagwani Bima Yojana’:-
Posted by bhawna bhardwaj:-
The Haryana Agriculture Minister J P Dalal launched the portal of
‘Mukha Mantri Bagwani Bima Yojana’ with an initial corpus of Rs 10
crore for the scheme. Under this the farmers will be compensated
for the damage caused to their crops due to adverse weather and
natural calamities.
The Haryana Agriculture Minister J P Dalal launched the portal of Mukha
Mantri Bagwani Bima Yojana’ with an initial corpus of Rs 10 crore for the
scheme. Under this the farmers will be compensated for the damage caused
to their crops due to adverse weather and natural calamities.
Haryana Governor: Bandaru Dattatreya;
Haryana Capital: Chandigarh;
Haryana Chief Minister: Manohar Lal Khattar
About the scheme:
 The scheme compensates a sum of Rs 30,000 per acre for vegetables and
Spices and Rs 40,000 per acre for fruits, which will be compensated to the
farmers upon claim via four categories such as 25 per cent, 50 per cent, 75
per cent and 100 per cent based on the survey.
 The farmer’s contribution will be only 5 per cent of the insured amount i.e., Rs
750 per acre for vegetables and Spices and Rs 1000 per acre for fruits.
 The Scheme covers 21 crops – 14 vegetables, 2 spices, and 5 fruits. The
scheme will be optional for all those farmers who will get registered under
‘Meri Fasal Mera Byora’ (a web portal through which the problems of the
farmers of the state will be resolved).
.

2. Pradhan Mantri Fasal Bima Yojana :-The Pradhan
Mantri Fasal Bima Yojana (PMFBY) was introduced by
the Indian government on February 18, 2016. The
Ministry of Agriculture and Farmers Welfare Department
is in charge of implementing the scheme. NAIS and
MNAIS, the previous crop insurance schemes, have
been replaced with this one. Farmers can be covered
under the scheme if they suffer financial losses as a
result of unforeseeable incidents. Crop loss owing to
local hazards, post-harvest financial loss, loss due to
natural catastrophes, unseasonal rains, pests, crop
diseases, and more are all covered by the policy.
Highlights of Pradhan Mantri Fasal Bima Yojana
Scheme Name Pradhan Mantri Fasal Bima Yojana
Department Ministry of Agriculture and Farmers Welfare
Introduced by PM Shri Narendra Modi
Introduced On 18th Feb 2016
beneficiary Farmers of India
Location All over India
Objective To empower the country’s farmers
Last Date of Online Application
Kharif- 31st July
Rabi- 31st December

3. Insurance amount up to ₹ 200000
Scheme Type Central Government Scheme
Official website https://pmfby.gov.in
Objectives of Pradhan Mantri Fasal Bima
Yojana
The Pradhan Mantri Fasal Bima Yojana is an attempt to increase crop sustainability.
It provides assistance to farmers that have experienced catastrophic crop loss as a
result of natural disasters such as heavy rainfall, flooding, droughts, floods, cyclones,
natural fires, and so on. Crop insurance, according to the plan, is supposed to help
such people stabilize and recoup from their losses. The following are some of the
primary goals of the Pradhan Mantri Fasal Bima Yojana: –
 The scheme provides financial assistance to farmers who have suffered severe crop
losses due to natural catastrophes, pest,s and disease attacks.
 Farmers are encourae to continue farming through PMFBY.
 The farmers should encourage to use new and modern farming practices
 Farmers need a steady income to support their families and their farming operations.
 PMFBY gives farmers the opportunity to secure financial stability.
 The goal of this Crop Insurance Scheme is to keep credit flowing in the sector.
 To protect farmers against production risks
 Provide low-cost crop insurance.
 The plan is exempt from the Goods and Services Tax
 Food security will ensure
PM Kisan Samman Nidhi Yojana List
Premium Amount for Rabi Season 2021 22
Name of crop Amount of premium per hectare
Wheat Rs 11000.90
Mustard Rs 681.09

4. Barley Rs 661.62
Sunflower Rs 661.62
Chana Rs 505.95
Assured Sum per Hectare
Name of the crop Sum Assured per hectare
Wheat Rs 67460
Mustard Rs 45405
Barley Rs 44108
Sunflower Rs 44108
Chana Rs 33730
Features and Benefits of Pradhan Mantri Fasal Bima Yojana
Some of the key features and benefits of the Pradhan Mantri Fasal Bima Yojana
2022 are as follows:
 All farmers pay the same premium cost for PMFBY
 the farmer’s part of the premium is quite little. The remaining is cover by the
government. Farmers will be able to obtain comprehensive coverage at a lower
premium price as a result of this.
 Farmers’ premium contributions drastically reduce by 2% for Kharif crops, 1.5
percent for Rabi crops, and 5% for Annual and Commercial crops.
 Technology utilizes to capture and upload details on product loss/damage,
decreasing claim settlement delays.
 A single insurance company is in charge of enrolling beneficiaries, raising awareness
of the plan, and processing claims.

5.  Farmers can get on-account claim payments if their crop suffers local losses under
the scheme.
 Assessment of yield loss on a plot-by-plot basis in the event of a cyclone, cyclonic
rains, or unseasonal rainfall across the country, resulting in damage to harvested
crop laying in the field in ‘cut and spread’ condition for up to two weeks (14 days)
after harvesting for the express purpose of drying.
 Crop loss evaluates on an individual plot basis in the event of harsh climatic
conditions and unseasonal precipitation.
 This strategy will stimulate the usage of technology to a large extent. To eliminate
claim payment delays to farmers, smartphones will use to gather and submit crop-
cutting data. This approach will also employ remote sensing to reduce the number of
crop-cutting experiments.
Pradhan Mantri Fasal Bima Yojana 2022
Number of Farmers 93,28,259
Total Applications 1,90,65,427
Loanee Applications 1,16,28,309
Non-Loanee Applications 74,37,118
Insured Sum 768.24 Cr
Total Premium 9894.97 Cr
Eligibility Criteria
Applicants who want to apply for the scheme must fulfill the eligibility criteria put
forward by the Ministry of Agriculture and Farmers Welfare Department. The
eligibility criteria for Pradhan Mantri Fasal Bima Yojana 2022 are as follows:
 Enrollment is open to farmers, sharecroppers, and tenant farmers for producing
recognized crops in the specified areas.
 Farmers that are eligible must have an insurable stake in the recognized produce.
 Non-loanee farmers must present the state’s land records, such as the Record of
Right (ROR), land possession certificate (LPC), and so on. They can also offer
support contracts, details of agreements, or other documentation issued by the state
government.

6. Pradhan Mantri Fasal Bima Yojana Coverage
The coverage of the Pradhan Mantri Fasal Bima Yojana is shown in the table below.
Sum Insured
of PMFBY
The scheme’s insurance coverage is equal to the sum insured set by the Indian
government.
Compulsory
Coverage
Farmers who have been approved by financial institutions for Seasonal Agricultural
Operations (SAO) loans for notified crops. Insurance applications are accepted until
the State Level Coordination Committee on Crop Insurance sets a cut-off date
(SLCCCI). Any changes to the crop plan should be communicated to the bank at
least two weeks prior to the deadline.
Voluntary
Coverage
For loanee farmers, the program is optional.
Risk Covered
Aside from crop losses, the system also includes the Risk of prevented sowing,
planting, and germination: The insured area is prevented from sowing, planting,
and germination due to unfavorable meteorological conditions or unseasonal
rainfall. Post-harvest loss: If there is any loss to the product after it has been
harvested for up to two weeks, the policy will cover it.Loss of standing crops (from
sowing to harvesting): The plan covers unforeseeable events that result in yield
loss. Loss/damage to the product as a result of localized hazards such as hailstorms,
landslides, cloud bursts, and animal assaults is also covered.
India is the land of farmers where the maximum proportion of rural population depends on

7. agriculture. Hon'ble Prime Minister Shri Narendra Modi unveiled the new scheme Pradhan Mantri
Fasal Bima Yojana (PMFBY) on 13th January, 2016
This scheme will help in decreasing the burden of premiums on farmers who take loans for their
cultivation and will also safeguard them against the inclement weather.
It has also been decided to make the settlement process of the insurance claim, fast and easy so that
the farmers do not face any trouble regarding the crop insurance plan. This scheme will be
implemented in every state of India, in association with respective State Governments. The scheme
will be administered under the Ministry of Agriculture and Farmers Welfare, Government of India
OBJECTIVE:- To provide insurance coverage and financial support to the farmers in the
event of failure of any of the notified crop as a result of natural calamities, pests &
diseases.
- Stabilize the income of farmers to ensure their continuance in farming.
- To encourage farmers to adopt innovative and modern agricultural practices.
- To ensure flow of credit to the agriculture sector
Name of the scheme
Pradhan Mantri Fasal Bima Yojana / PMFBY / Crop
Insurance Scheme
Official date of launch January 2016
Announced by PM Narendra Modi
Target beneficiaries Agricultural labors or farmers
Responsibility of
supervision
Agriculture, Cooperation & Farmers Welfare Department
Features of the PMFBY
1. Previous schemes were only allowed some specific farmers to enroll under it.
Some were for big farmers while others were for smaller agricultural

8. producers. With the implementation of this project, we got an insurance
scheme that allowed farmers from all categories to enroll and get benefits.
2. private crop insurance policies are very costly and not possible for farmers to
pay such heavy premiums. With PMFBY, it has fixed the premium at only 2%
for Kharif and 1.5% for Rabi crops.
3. When farmer needs to claim the insurance money, central government will
transfer the amount into the bank account that is in the name of the farmer.
4. Farmers will end up paying only a smaller fraction of the insurance premium.
rest of amount has been taken care by central government. But each policy
holder will receive full coverage against crop damage.
Pradhan Mantri Fasal Bima Yojana PREMIUM RATES:
1. Kharif Food & Oilseeds crops (all cereals, millets, & oilseeds, pulses) : 2.0%
of SI or Actuarial rate, whichever is less
2. Rabi Food & Oilseeds crops (all cereals, millets, & oilseeds, pulses) 1.5% of SI
or Actuarial rate, whichever is less
3. Kharif & Rabi Annual Commercial / Annual Horticultural crops 5% of SI or
Actuarial rate, whichever is less
Eligibility criteria for the scheme
1. Under this insurance coverage scheme, no farmer needs to worry about any
classification. Big, small, as well as marginal agricultural workers will be
allowed to get the benefits of this project.
2. PMFBY will allow both landholding as well as landless farmers to get the
coverage benefits. Landless farmers mean those who produce crops on
another person’s land.
3. There are several agricultural workers who have not taken any loan from any
bank or the government, for agricultural needs. These individuals are termed
as non-loanee farmers. In case any such farmers desire to get the benefits of
this project, they need to publish land documents.
Haryana govt launched crop insurance portal of ‘Mukhya Mantri
Bagwani Bima Yojana’:-
Posted by bhawna bhardwaj:-
The Haryana Agriculture Minister J P Dalal launched the portal of
‘Mukha Mantri Bagwani Bima Yojana’ with an initial corpus of Rs 10
crore for the scheme. Under this the farmers will be compensated
for the damage caused to their crops due to adverse weather and
natural calamities.

9. The Haryana Agriculture Minister J P Dalal launched the portal of Mukha
Mantri Bagwani Bima Yojana’ with an initial corpus of Rs 10 crore for the
scheme. Under this the farmers will be compensated for the damage caused
to their crops due to adverse weather and natural calamities.
Haryana Governor: Bandaru Dattatreya;
Haryana Capital: Chandigarh;
Haryana Chief Minister: Manohar Lal Khattar
About the scheme:
 The scheme compensates a sum of Rs 30,000 per acre for vegetables and
Spices and Rs 40,000 per acre for fruits, which will be compensated to the
farmers upon claim via four categories such as 25 per cent, 50 per cent, 75
per cent and 100 per cent based on the survey.
 The farmer’s contribution will be only 5 per cent of the insured amount i.e., Rs
750 per acre for vegetables and Spices and Rs 1000 per acre for fruits.
 The Scheme covers 21 crops – 14 vegetables, 2 spices, and 5 fruits. The
scheme will be optional for all those farmers who will get registered under
‘Meri Fasal Mera Byora’ (a web portal through which the problems of the
farmers of the state will be resolved).
.
Pradhan Mantri Fasal Bima Yojana :-The Pradhan
Mantri Fasal Bima Yojana (PMFBY) was introduced by
the Indian government on February 18, 2016. The
Ministry of Agriculture and Farmers Welfare Department
is in charge of implementing the scheme. NAIS and
MNAIS, the previous crop insurance schemes, have
been replaced with this one. Farmers can be covered
under the scheme if they suffer financial losses as a
result of unforeseeable incidents. Crop loss owing to
local hazards, post-harvest financial loss, loss due to

10. natural catastrophes, unseasonal rains, pests, crop
diseases, and more are all covered by the policy.
Highlights of Pradhan Mantri Fasal Bima Yojana
Scheme Name Pradhan Mantri Fasal Bima Yojana
Department Ministry of Agriculture and Farmers Welfare
Introduced by PM Shri Narendra Modi
Introduced On 18th Feb 2016
beneficiary Farmers of India
Location All over India
Objective To empower the country’s farmers
Last Date of Online Application
Kharif- 31st July
Rabi- 31st December
Insurance amount up to ₹ 200000
Scheme Type Central Government Scheme
Official website https://pmfby.gov.in
Objectives of Pradhan Mantri Fasal Bima
Yojana

11. The Pradhan Mantri Fasal Bima Yojana is an attempt to increase crop sustainability.
It provides assistance to farmers that have experienced catastrophic crop loss as a
result of natural disasters such as heavy rainfall, flooding, droughts, floods, cyclones,
natural fires, and so on. Crop insurance, according to the plan, is supposed to help
such people stabilize and recoup from their losses. The following are some of the
primary goals of the Pradhan Mantri Fasal Bima Yojana: –
 The scheme provides financial assistance to farmers who have suffered severe crop
losses due to natural catastrophes, pest,s and disease attacks.
 Farmers are encourae to continue farming through PMFBY.
 The farmers should encourage to use new and modern farming practices
 Farmers need a steady income to support their families and their farming operations.
 PMFBY gives farmers the opportunity to secure financial stability.
 The goal of this Crop Insurance Scheme is to keep credit flowing in the sector.
 To protect farmers against production risks
 Provide low-cost crop insurance.
 The plan is exempt from the Goods and Services Tax
 Food security will ensure
PM Kisan Samman Nidhi Yojana List
Premium Amount for Rabi Season 2021 22
Name of crop Amount of premium per hectare
Wheat Rs 11000.90
Mustard Rs 681.09
Barley Rs 661.62
Sunflower Rs 661.62
Chana Rs 505.95
Assured Sum per Hectare

12. Name of the crop Sum Assured per hectare
Wheat Rs 67460
Mustard Rs 45405
Barley Rs 44108
Sunflower Rs 44108
Chana Rs 33730
Features and Benefits of Pradhan Mantri Fasal Bima Yojana
Some of the key features and benefits of the Pradhan Mantri Fasal Bima Yojana
2022 are as follows:
 All farmers pay the same premium cost for PMFBY
 the farmer’s part of the premium is quite little. The remaining is cover by the
government. Farmers will be able to obtain comprehensive coverage at a lower
premium price as a result of this.
 Farmers’ premium contributions drastically reduce by 2% for Kharif crops, 1.5
percent for Rabi crops, and 5% for Annual and Commercial crops.
 Technology utilizes to capture and upload details on product loss/damage,
decreasing claim settlement delays.
 A single insurance company is in charge of enrolling beneficiaries, raising awareness
of the plan, and processing claims.
 Farmers can get on-account claim payments if their crop suffers local losses under
the scheme.
 Assessment of yield loss on a plot-by-plot basis in the event of a cyclone, cyclonic
rains, or unseasonal rainfall across the country, resulting in damage to harvested
crop laying in the field in ‘cut and spread’ condition for up to two weeks (14 days)
after harvesting for the express purpose of drying.
 Crop loss evaluates on an individual plot basis in the event of harsh climatic
conditions and unseasonal precipitation.
 This strategy will stimulate the usage of technology to a large extent. To eliminate
claim payment delays to farmers, smartphones will use to gather and submit crop-
cutting data. This approach will also employ remote sensing to reduce the number of
crop-cutting experiments.

13. Pradhan Mantri Fasal Bima Yojana 2022
Number of Farmers 93,28,259
Total Applications 1,90,65,427
Loanee Applications 1,16,28,309
Non-Loanee Applications 74,37,118
Insured Sum 768.24 Cr
Total Premium 9894.97 Cr
Eligibility Criteria
Applicants who want to apply for the scheme must fulfill the eligibility criteria put
forward by the Ministry of Agriculture and Farmers Welfare Department. The
eligibility criteria for Pradhan Mantri Fasal Bima Yojana 2022 are as follows:
 Enrollment is open to farmers, sharecroppers, and tenant farmers for producing
recognized crops in the specified areas.
 Farmers that are eligible must have an insurable stake in the recognized produce.
 Non-loanee farmers must present the state’s land records, such as the Record of
Right (ROR), land possession certificate (LPC), and so on. They can also offer
support contracts, details of agreements, or other documentation issued by the state
government.
Pradhan Mantri Fasal Bima Yojana Coverage
The coverage of the Pradhan Mantri Fasal Bima Yojana is shown in the table below.
Sum Insured
of PMFBY
The scheme’s insurance coverage is equal to the sum insured set by the Indian
government.
Compulsory
Coverage
Farmers who have been approved by financial institutions for Seasonal Agricultural
Operations (SAO) loans for notified crops. Insurance applications are accepted until
the State Level Coordination Committee on Crop Insurance sets a cut-off date
(SLCCCI). Any changes to the crop plan should be communicated to the bank at

14. least two weeks prior to the deadline.
Voluntary
Coverage
For loanee farmers, the program is optional.
Risk Covered
Aside from crop losses, the system also includes the Risk of prevented sowing,
planting, and germination: The insured area is prevented from sowing, planting,
and germination due to unfavorable meteorological conditions or unseasonal
rainfall. Post-harvest loss: If there is any loss to the product after it has been
harvested for up to two weeks, the policy will cover it.Loss of standing crops (from
sowing to harvesting): The plan covers unforeseeable events that result in yield
loss. Loss/damage to the product as a result of localized hazards such as hailstorms,
landslides, cloud bursts, and animal assaults is also covered.
India is the land of farmers where the maximum proportion of rural population depends on
agriculture. Hon'ble Prime Minister Shri Narendra Modi unveiled the new scheme Pradhan Mantri
Fasal Bima Yojana (PMFBY) on 13th January, 2016
This scheme will help in decreasing the burden of premiums on farmers who take loans for their
cultivation and will also safeguard them against the inclement weather.
It has also been decided to make the settlement process of the insurance claim, fast and easy so that
the farmers do not face any trouble regarding the crop insurance plan. This scheme will be
implemented in every state of India, in association with respective State Governments. The scheme
will be administered under the Ministry of Agriculture and Farmers Welfare, Government of India
OBJECTIVE:- To provide insurance coverage and financial support to the farmers in the
event of failure of any of the notified crop as a result of natural calamities, pests &
diseases.

15. - Stabilize the income of farmers to ensure their continuance in farming.
- To encourage farmers to adopt innovative and modern agricultural practices.
- To ensure flow of credit to the agriculture sector
Name of the scheme
Pradhan Mantri Fasal Bima Yojana / PMFBY / Crop
Insurance Scheme
Official date of launch January 2016
Announced by PM Narendra Modi
Target beneficiaries Agricultural labors or farmers
Responsibility of
supervision
Agriculture, Cooperation & Farmers Welfare Department
Features of the PMFBY
5. Previous schemes were only allowed some specific farmers to enroll under it.
Some were for big farmers while others were for smaller agricultural
producers. With the implementation of this project, we got an insurance
scheme that allowed farmers from all categories to enroll and get benefits.
6. private crop insurance policies are very costly and not possible for farmers to
pay such heavy premiums. With PMFBY, it has fixed the premium at only 2%
for Kharif and 1.5% for Rabi crops.
7. When farmer needs to claim the insurance money, central government will
transfer the amount into the bank account that is in the name of the farmer.
8. Farmers will end up paying only a smaller fraction of the insurance premium.
rest of amount has been taken care by central government. But each policy
holder will receive full coverage against crop damage.
Pradhan Mantri Fasal Bima Yojana PREMIUM RATES:
1. Kharif Food & Oilseeds crops (all cereals, millets, & oilseeds, pulses) : 2.0%
of SI or Actuarial rate, whichever is less

16. 2. Rabi Food & Oilseeds crops (all cereals, millets, & oilseeds, pulses) 1.5% of SI
or Actuarial rate, whichever is less
3. Kharif & Rabi Annual Commercial / Annual Horticultural crops 5% of SI or
Actuarial rate, whichever is less
Eligibility criteria for the scheme
4. Under this insurance coverage scheme, no farmer needs to worry about any
classification. Big, small, as well as marginal agricultural workers will be
allowed to get the benefits of this project.
5. PMFBY will allow both landholding as well as landless farmers to get the
coverage benefits. Landless farmers mean those who produce crops on
another person’s land.
6. There are several agricultural workers who have not taken any loan from any
bank or the government, for agricultural needs. These individuals are termed
as non-loanee farmers. In case any such farmers desire to get the benefits of
this project, they need to publish land documents.
Documents Required for registration under PMFBY
1. Land registration papers – Only those farmers will be able to fill in the
application to get the benefits of this insurance scheme that have access to all
registration papers of the farmland. It applies for land owners as well as
rented farmers. They need to have the land patta number.
2. Ownership papers of farmland – In case the farmer is the real owner of the
farmland, then he needs to attach copies of those legal documents, which
highlight that the land is registered in his name.
3. Aadhar card – Attaching a copy of the Aadhar card is a must for all farmers.
It will be used for background checks by the authority.
4. Personal identification proof of registering farmer – The PAN card, voter
card and ration card photocopies of each farmer must be attached with the
application form. All personal identification details are a must for application.
5. Details of official bank account – As the insurance money will be offered via
the bank, the farmers need access to active bank accounts. Details like bank
and branch name, account code, back code and address are a must for
proper money transfer.
6. Sowing information – In case any unfortunate incident takes place;
government will need sowing details for compensating the loss. It will highlight
the actual investment on the part of the agricultural labor, and the amount he
has lost due to the losses. The papers which offer these details are termed as
sowing declarations.
7. Application form – Last but not the least; all applicants need to collect the
application forms from respective central or state government offices. The
form has to be filled in carefully. In case it has any wrong info, it will be
rejected by the scrutiny department.
From where can one obtain online registration form?

17. Any farmer who wants to safeguard their crops and investment against damage can
go online to register under PMFBY. The digitized application form can be accessed
by landing on the official homepage, by clicking on the link http://pmfby.gov.in/. If one
wants to bypass the primary steps, and get to the form directly, then he must click on
the link http://pmfby.gov.in/farmerRegistrationForm.
How to apply for Pradhan Mantri Fasal Bima
Yojana online?
1. Some changes have been made in the online application process. Any
applicant who desires to enroll under this crop insurance scheme will have to
click on the official link, i.e. http://pmfby.gov.in/.
2. There are six separate tablets on the homepage. In case a farmer desires to
apply for the first time, he will have to take the mouse pointer on the table
marked as “Farmer Corner – Apply for Crop Insurance by Yourself.”
3. As soon as one clicks on this link, a smaller box will emerge on the screen
that has two separate options. One is “Login for Farmer” and the other is
“Guest Farmer.”
4. Farmers who have already applied can access other options by logging in
with their credentials at “Login for Farmer”.
5. For a fresh application, one has to click on the option “Guest Farmer.”
6. It will trigger the site to bring up the official registration form on the computer
screen. It is the revamped application form for 2018.
7. You have to fill the form with appropriate data. Any error will result in the
cancellation of this application.
8. Once the details have filled in, the applicant needs to type in the captcha code
in the box, and click on the green button that is marked as “Create User.”
9. After getting confirmation on registered mobile number, applicants must log in
with their credentials for filling in other details. Only then the entire registration
process will be complete.
How to register any grievance Complaint for
PMFBY?
The website has a unique feature that allows farmers to highlight any complaints or
grievances as well. It will allow the department to understand if farmers are having
any issues during enrollment, crop loss report submission, claim status check and
any general doubt clarification. It will help the government to serves these farmers
better.
1. In case an applicant wants to register any complaint, then he has to click on
the official web link, http://pmfby.gov.in/.
2. Then he has to bring the mouse pointer on the 5th
option tablet from the left.
3. As soon as one clicks on this link, it will open a new page that will highlight the
“Complaint/Grievance” box.

18. 4. Four fields are visible in this box, which is “Name,” “Mobile Number,” “Email”
and “Comments.”
5. The farmer needs to type in his name, registered mobile number, and email
ID. Then he has to type in and describe his doubt, issue or complaint.
6. Once it has been done, it is time to register to the complaint by typing in
captcha code in the box marked as “Enter Captcha Code” and clicking on the
yellow “Submit” button.
Role of banks and insurance agencies
It is not possible for the central or the state government to take care of all
transactions alone. Thus, it has been decided that a handful of financial institutes
and insurance companies will be selected by central government. These banks and
insurance companies will work in unison to work out every nitty-gritty of this scheme.
The insurance companies will check the truth behind the claim, while compensation
transfer will be handled by the selected banks. Regional Rural Banks, Cooperative
Banks, and commercial banks will do the task. Some private insurance companies
will be offered the responsibility to check the claim settlement procedure. Their
presence will keep third-party agencies at bay.
Types of coverage components
As mentioned, no discrimination will be done when sorting the application of farmers,
under any category. To ensue most farmers receive the perks of this insurance
scheme, central government will keep additional reservation for those agricultural
workers who fall in schedule caste, schedule tribe and OBC groups. Other than this,
there are two additional categories – compulsory and voluntary.
Compulsory component – It is associated with the SAO credit. When any farmer
applies for credit from banks or other organizations, and utilizes it for reaping a
seasonal harvest, then it is termed as SAO loan. All farm workers, which have
attained this credit, will be categorized under compulsory component. They will not
get entry under PMFBY.
Voluntary component – In case a farm worker has not taken any such loan for crop
harvest, then he will automatically fall under the voluntary category. All these farmers
can register and get all benefits that PMFBY offers.
Crops identified by the government
For the time being, only a handful crops have been identified by central government.
Keeping the soli, climate and farming practices, the national government has taken
this decision. All farmers, who grow rice, wheat, pulses, millets, castor, groundnut,
linseed, cashew nut, guava, banana, and mangoes, will be able to apply for this crop
insurance scheme. This list will make sure that farmers from all parts of the nation
will be able to safeguard their crops as per the guidelines of this scheme. With time,

19. more food and commercial crops will be added to this list by the central government.
After all, the main objective of this scheme is to offer financial security against any
accidents.
Risks covered under Pradhan Mantri Fasal
Bima Yojana scheme
The PMFBY offers protection to all farmers. But that does not mean that it will offer
coverage against all incidents. The following are some coverage related details that
all farmers must know about before applying for this insurance scheme:
A. Loss due to prevented sowing – Framers will not be able to get satisfactory
returns if they fail to sow the seeds in the insured farmland. In case this delay
has been due to natural causes like lack of precipitation, then the agricultural
labor can attain compensation from the government.
B. Damage to standing crop – A standing time of any crop starts right after the
sowing of seeds till before the crop harvesting season. In case the standing
crop suffers from any damage, due to natural causes, then farmers will get
paid under PMFBY.
C. Post yield damages – Before the product is taken to the market for sale, it
needs some time for post-harvesting procedures. During this time, farmers
need to store the crop in a safe place. In case this crop has damaged, farmers
can opt for the insurance claims. But you can put claim before completion of
two weeks, from the date of harvest.
D. Localized incidents – Localized natural calamities are common in many
parts of India. Storms might damage the harvest in one part of the state, while
others, located on the opposite side remain unaffected.
Risks not covered under the scheme
In the PMFBY scheme that government has to pay for damages only in case of
natural calamities. If crops are destroyed by manmade causes, like nuclear disaster,
wars, or radiation fallouts, then farmers will not receive any insurance coverage. If
man-made fire chars the crops, or they are eaten by locusts or other animals, then
that too will be the responsibility of the farmer. Any cause, other than natural events
will not be considered under this insurance scheme.
How to calculate premium?
1. For the ease of farmers, there is a unique option that will allow the applicants
to calculate the premium amount. For this, one has to click on the official link
of the yojana, gov.in.
2. Once the home page opens, the applicant has to click on the option tablet that
has been marked as “Insurance Premium Calculator – Know Your Insurance
Premium Before”

20. 3. A new page will open that will allow the person to calculate the premium
amount for the insurance scheme.
4. The applicant has to enter about crop details like the Fasal name, year related
date under the “Year” filed, pick the scheme name under the “Scheme” filed,
and also fill in “State,” “District,” and “Crop” fields with proper date.
5. To get the final premium amount, applicants need to click on the yellow button
6. After clicking on the button, the site to do the necessary calculations. it will
highlight the amount on the screen. Thus, the applicant will get an idea about
the total premium that he has to pay in order to safeguard his investment and
crops from any damage, caused due to natural reasons.
Pradhan Mantri Fasal Bima Yojana Android
App
Along with the new and improved website, the agro department has also launched a
mobile application for this scheme. For the design and launch of this app, the central
agriculture department took help from the Information Technology department. The
“Crop Insurance App” is only for any android smartphone. Any person can download
this application from Google PlayStore for no extra payment. Just initiate a search on
Google PlayStore with the name of this app, and then download it easily. The
application can download from the link http://www.agri-
insurance.gov.in/Document/CCE_Agri_121_27-03-2017.apk. All features, which you
get on the website, are also available on this smartphone application. It will make
things easy for farmers.
Budget allocation for this scheme
It is an ambitious project, undertaken by the Modi government. During the official
budget speech of 2016 -2017, FM Arun Jaitley made it clear that it will put huge
pressure on the national treasury. During this speech, he said that allocations of Rs.
550 crore for proper implementation of this scheme. During the 2017 budget
announcement, 40% extra allocation towards this project that took the total cost to
Rs. 9000 crores. By the end of this year, the central government aims at
incorporating 50% cultivable land under this project.
Pradhan Mantri Fasal Bima Yojana Contact
details and helpline numbers
In case any farmer desires to attain any information related to this scheme, then he
can dial the number 011-23382012, followed by an extension 2715 / 2709 to talk to
customer care executives. Any other doubt can clear on to the link help.agri-
insurance@gov.in. You can also visit the official website of PMFBY.
Farmers have been using this unique scheme to reduce their crop losses. Poor
farmers stake everything they have on the crop yield. They choose to take their lives

21. by committing suicide. But schemes like these have succeeded in lowering the
farmer suicide percentage in the nation. The new site is still under development, and
central government will notify applicants as and when any updates take place.
.
Highlight of the scheme
There will be a uniform premium of only 2% to be paid by farmers for all Kharif crops and 1.5% for all
Rabi crops. In case of annual commercial and horticultural crops, the premium to be paid will be only
5%.
The premium rates to be paid by farmers are very low and balance premium will be paid by the
Government to provide full insured amount to the farmers against crop loss in any natural
calamities.
There is no upper limit on Government subsidy. Even if balance premium is 90%, it will be borne by
the Government.
Earlier, there was a provision of capping the premium rate which is low claims being paid to farmers.
Now this is removed and farmers will get claim against full sum insured without any reduction.
The use of technology will be encouraged to a great extent. Smart phones, Remote sensing drone
and GPS technologies will be used to capture and upload data of crop cutting to reduce the delays in
the claim payment.
Allocation of the scheme presented in budget 2016-2017 is Rs.5, 550 cores.
The insurance plan will be handled under a single insurance company, Agriculture Insurance
Company of India (AIC).

22. PMFBY is a replacement scheme of National Agriculture Insurance Scheme (NAIS) and Modified
National Agriculture Insurance Scheme (MNAIS) and hence exempted from the service tax.
Objectives of the scheme
To provide insurance coverage and financial support to the farmers in the event of failure of any of
the notified crop as a result of natural calamities, pests & diseases.
To stabiles the income of farmers to ensure their continuous process in farming.
To encourage farmers to adopt innovative and modern agricultural practices.
To ensure flow of credit to the agriculture sector.
Coverage of the farmers
All farmers including sharecroppers and tenant farmers growing the notified crops in the notified
areas are eligible for coverage. The non-loanee farmers are required to submit necessary
documentary evidence of land records prevailing in the State Records of Right (RoR), Land
possession Certificate (LPC) etc. moreover, applicable contract, agreement details, other documents
notified permitted by concerned State Government.
Compulsory Component All farmers availing Seasonal Agricultural Operations (SAO) loans from
Financial Institutions (i.e. loanee farmers) for the notified crops would be covered compulsorily.
Voluntary Component The Scheme would be optional for the non-loanee farmers.
Special efforts shall be made to ensure maximum coverage of SC/ ST/ Women farmers under the
scheme. Budget allocation and utilization under this should be in proportion of land holding of SC/
ST/ General along with Women in the respective state cluster. Panchayat Raj Institutions (PRIs) may
be involved for the implementation and also obtaining framers feedbacks on these crop insurance
schemes.
Coverage of the crops
Food crops (Cereals, Millets and Pulses)
Oilseeds
Annual Commercial / Annual Horticultural crops
Coverage of the Risk
Following stages of the crop and risks leading to crop loss are covered under the Scheme.
Prevented Sowing/ Planting Risk: Insured area is prevented from sowing planting due to deficit
rainfall or adverse seasonal Conditions.

23. Standing Crop (Sowing to Harvesting): Comprehensive risk insurance is provided to cover yield losses
due to non- preventable risks, viz. Drought, Dry spells, Flood, Inundation, Pests and Diseases,
Landslides, Natural Fire and Lightening, Storm, Hailstorm, Cyclone, Typhoon, Tempest, Hurricane
and Tornado.
Post-Harvest Losses: coverage is available only up to a maximum period of two weeks from
harvesting for those crops which are allowed to dry in cut and spread condition in the field after
harvesting against specific perils of cyclone and cyclonic rains and unseasonal rains.
Localized Calamities: Loss/ damage resulting from occurrence of identified localized risks of
hailstorm, landslide, and Inundation affecting isolated farms in the notified area.
Exclusion of the Risk
The insurance cover will not be applicable in the damage of crops due to any of the following
reasons.
War & kindred perils
Nuclear risks
Riots
Malicious damage
Theft or act of enmity
Grazed and/or destroyed by domestic and/or wild animals and other preventable risks shall be
excluded.
Sum Insured/Limits of Coverage
In case of Loanee farmers under Compulsory Component, the Sum Insured would be equal to Scale
of Finance for that crop as fixed by District Level Technical Committee (DLTC) which may extend up
to the value of the Threshold Yield of the insured crop at the option of insured farmer. The value of
the threshold yield is lower than the Scale of Finance; higher amount shall be the Sum Insured.
Multiplying the National Threshold Yield with the Minimum Support Price (MSP) of the current year
arrives at the value of sum insured. Wherever, Current year's MSP is not available, so previous years
MSP shall be adopted.
The crops for which, MSP is not declared, farm gate price established by the marketing department,
board shall be adopted.
Unit of Insurance

24. The Scheme shall be implemented on an 'Area Approach Basis' (i.e., Defined Areas) for each notified
crop for widespread calamities. The assumption that all the insured farmers, in a Unit of Insurance,
should be defined as "Notified Area" for a crop, face similar risk exposures, incur to a large extent,
identical cost of production per hectare, earn comparable farm income per hectare, and experience
similar extent of crop loss due to the operation of an insured peril, in the notified area. The Unit of
Insurance can be demographically mapped with region having homogenous Risk Profile for the
notified crop.
For Risks of Localized calamities and Post-Harvest losses on account of defined peril, the Unit of
Insurance for loss assessment shall be the affected insured field of the individual farmer.
Implementing Agency
The overall control on implementation of insurance companies will be under Ministry of Agriculture
& Framers Welfare. The Ministry designated empanelled AIC and some private insurance companies
presently to participate in the Government sponsored agriculture, crop insurance schemes. The
choice of which private company is left to the states. There will be one insurance company for the
whole state.
Selection of Implementing Agency may be made for up to three years however, the State
government/ UT and the concerned insurance company are free to renegotiate the terms if relevant.
This will facilitate the insurance company to establish the credibility among the farmers through
investment out of the premium savings in various welfare activities for socio-economic
development.
Management and Monitoring of the scheme
The existing State Level Co-ordination Committee on Crop Insurance (SLCCCI), of the concerned
State will be responsible for monitoring of the schemes programme in their state. However, a
National Level Monitoring Committee (NLMC) under the chairmanship of Joint Secretary (Credit),
Department of Agriculture cooperation and farmers welfare (DAC & FW) will monitor the scheme at
the national level.
It is proposed to take following monitoring measures for effective implementation during each crop
season to ensure maximum benefits to the farmers:

25. The Nodal Banks intermediaries may collect the list of individual insured farmers (both loanee and
non-loanee) with requisite details like name, fathers' name, Bank Account number, village,
categories - Small and Marginal group, Women, insured holding, insured crops, sum insured,
premium collected, Government subsidy etc from concerned branch in soft copy for further
reconciliation. This will be done online once the E platform is put in the place.
After receiving the claims amount from the concerned Insurance Companies, the financial
institutions/banks should remit/transfer the claim amount to the account of beneficiaries within a
week. This will be transferred online directly by the Insurance company into the accounts of farmers.
The list of the beneficiaries (bank-wise and insured area-wise) may also be uploaded on the crop
insurance portal and website of the concerned insurance companies.
About 5% of the beneficiaries may be verified by the Regional Offices/ Local level Offices of
Insurance Companies who will send the feed back to concerned District Level Monitoring Committee
(DLMC) and State Government/ State Level Coordination Committee on Crop Insurance (SLCCCI).
At least 10% of the beneficiaries verified by the insurance company may be cross verified by the
concerned District Level Monitoring Committee (DLMC) and they should send the feed back to State
Government.
1 to 2% of the beneficiaries may be verified by the Head Offices of the insurance company/
Independent Agencies appointed by the Central Government/ National Level Monitoring Committee
and they should send the necessary feed back to Central Government.
Moreover, District Level Monitoring Committee (DLMC) already overseeing the implementation &
monitoring of the ongoing crop insurance schemes like National Agricultural Insurance Scheme
(NAIS), Weather Based Crop Insurance Scheme (WBCIS), Modified National Agricultural Insurance
Scheme (MNAIS) and Coconut Palm Insurance Scheme (CPIS) shall be responsible for proper
management of the Scheme.
Documents Required for registration under PMFBY:-
 Land registration papers – Only those farmers will be able to fill in the
application to get the benefits of this insurance scheme that have access to all
registration papers of the farmland. It applies for land owners as well as
rented farmers. They need to have the land patta number.
 Ownership papers of farmland – In case the farmer is the real owner of the
farmland, then he needs to attach copies of those legal documents, which
highlight that the land is registered in his name.
 Aadhar card – Attaching a copy of the Aadhar card is a must for all farmers.
It will be used for background checks by the authority.
 Personal identification proof of registering farmer – The PAN card, voter
card and ration card photocopies of each farmer must be attached with the
application form. All personal identification details are a must for application.
 Details of official bank account – As the insurance money will be offered via
the bank, the farmers need access to active bank accounts. Details like bank
and branch name, account code, back code and address are a must for
proper money transfer.

26.  Sowing information – In case any unfortunate incident takes place;
government will need sowing details for compensating the loss. It will highlight
the actual investment on the part of the agricultural labor, and the amount he
has lost due to the losses. The papers which offer these details are termed as
sowing declarations.
 Application form – Last but not the least; all applicants need to collect the
application forms from respective central or state government offices. The
form has to be filled in carefully. In case it has any wrong info, it will be
rejected by the scrutiny department.
From where can one obtain online registration form?
Any farmer who wants to safeguard their crops and investment against damage can
go online to register under PMFBY. The digitized application form can be accessed
by landing on the official homepage, by clicking on the link http://pmfby.gov.in/. If one
wants to bypass the primary steps, and get to the form directly, then he must click on
the link http://pmfby.gov.in/farmerRegistrationForm.
How to apply for Pradhan Mantri Fasal Bima
Yojana online?
10.Some changes have been made in the online application process. Any
applicant who desires to enroll under this crop insurance scheme will have to
click on the official link, i.e. http://pmfby.gov.in/.
11.There are six separate tablets on the homepage. In case a farmer desires to
apply for the first time, he will have to take the mouse pointer on the table
marked as “Farmer Corner – Apply for Crop Insurance by Yourself.”
12.As soon as one clicks on this link, a smaller box will emerge on the screen
that has two separate options. One is “Login for Farmer” and the other is
“Guest Farmer.”
13.Farmers who have already applied can access other options by logging in
with their credentials at “Login for Farmer”.
14.For a fresh application, one has to click on the option “Guest Farmer.”
15.It will trigger the site to bring up the official registration form on the computer
screen. It is the revamped application form for 2018.
16.You have to fill the form with appropriate data. Any error will result in the
cancellation of this application.
17.Once the details have filled in, the applicant needs to type in the captcha code
in the box, and click on the green button that is marked as “Create User.”
18.After getting confirmation on registered mobile number, applicants must log in
with their credentials for filling in other details. Only then the entire registration
process will be complete.
How to register any grievance Complaint for
PMFBY?

27. The website has a unique feature that allows farmers to highlight any complaints or
grievances as well. It will allow the department to understand if farmers are having
any issues during enrollment, crop loss report submission, claim status check and
any general doubt clarification. It will help the government to serves these farmers
better.
7. In case an applicant wants to register any complaint, then he has to click on
the official web link, http://pmfby.gov.in/.
8. Then he has to bring the mouse pointer on the 5th
option tablet from the left.
9. As soon as one clicks on this link, it will open a new page that will highlight the
“Complaint/Grievance” box.
10.Four fields are visible in this box, which is “Name,” “Mobile Number,” “Email”
and “Comments.”
11.The farmer needs to type in his name, registered mobile number, and email
ID. Then he has to type in and describe his doubt, issue or complaint.
12.Once it has been done, it is time to register to the complaint by typing in
captcha code in the box marked as “Enter Captcha Code” and clicking on the
yellow “Submit” button.
Role of banks and insurance agencies
It is not possible for the central or the state government to take care of all
transactions alone. Thus, it has been decided that a handful of financial institutes
and insurance companies will be selected by central government. These banks and
insurance companies will work in unison to work out every nitty-gritty of this scheme.
The insurance companies will check the truth behind the claim, while compensation
transfer will be handled by the selected banks. Regional Rural Banks, Cooperative
Banks, and commercial banks will do the task. Some private insurance companies
will be offered the responsibility to check the claim settlement procedure. Their
presence will keep third-party agencies at bay.
Types of coverage components
As mentioned, no discrimination will be done when sorting the application of farmers,
under any category. To ensue most farmers receive the perks of this insurance
scheme, central government will keep additional reservation for those agricultural
workers who fall in schedule caste, schedule tribe and OBC groups. Other than this,
there are two additional categories – compulsory and voluntary.
Compulsory component – It is associated with the SAO credit. When any farmer
applies for credit from banks or other organizations, and utilizes it for reaping a
seasonal harvest, then it is termed as SAO loan. All farm workers, which have
attained this credit, will be categorized under compulsory component. They will not
get entry under PMFBY.

28. Voluntary component – In case a farm worker has not taken any such loan for crop
harvest, then he will automatically fall under the voluntary category. All these farmers
can register and get all benefits that PMFBY offers.
Crops identified by the government
For the time being, only a handful crops have been identified by central government.
Keeping the soli, climate and farming practices, the national government has taken
this decision. All farmers, who grow rice, wheat, pulses, millets, castor, groundnut,
linseed, cashew nut, guava, banana, and mangoes, will be able to apply for this crop
insurance scheme. This list will make sure that farmers from all parts of the nation
will be able to safeguard their crops as per the guidelines of this scheme. With time,
more food and commercial crops will be added to this list by the central government.
After all, the main objective of this scheme is to offer financial security against any
accidents.
Risks covered under Pradhan Mantri Fasal
Bima Yojana scheme
The PMFBY offers protection to all farmers. But that does not mean that it will offer
coverage against all incidents. The following are some coverage related details that
all farmers must know about before applying for this insurance scheme:
1. Loss due to prevented sowing – Framers will not be able to get satisfactory
returns if they fail to sow the seeds in the insured farmland. In case this delay
has been due to natural causes like lack of precipitation, then the agricultural
labor can attain compensation from the government.
2. Damage to standing crop – A standing time of any crop starts right after the
sowing of seeds till before the crop harvesting season. In case the standing
crop suffers from any damage, due to natural causes, then farmers will get
paid under PMFBY.
3. Post yield damages – Before the product is taken to the market for sale, it
needs some time for post-harvesting procedures. During this time, farmers
need to store the crop in a safe place. In case this crop has damaged, farmers
can opt for the insurance claims. But you can put claim before completion of
two weeks, from the date of harvest.
4. Localized incidents – Localized natural calamities are common in many
parts of India. Storms might damage the harvest in one part of the state, while
others, located on the opposite side remain unaffected.
Risks not covered under the scheme
In the PMFBY scheme that government has to pay for damages only in case of
natural calamities. If crops are destroyed by manmade causes, like nuclear disaster,
wars, or radiation fallouts, then farmers will not receive any insurance coverage. If

29. man-made fire chars the crops, or they are eaten by locusts or other animals, then
that too will be the responsibility of the farmer. Any cause, other than natural events
will not be considered under this insurance scheme.
How to calculate premium?
7. For the ease of farmers, there is a unique option that will allow the applicants
to calculate the premium amount. For this, one has to click on the official link
of the yojana, gov.in.
8. Once the home page opens, the applicant has to click on the option tablet that
has been marked as “Insurance Premium Calculator – Know Your Insurance
Premium Before”
9. A new page will open that will allow the person to calculate the premium
amount for the insurance scheme.
10.The applicant has to enter about crop details like the Fasal name, year related
date under the “Year” filed, pick the scheme name under the “Scheme” filed,
and also fill in “State,” “District,” and “Crop” fields with proper date.
11.To get the final premium amount, applicants need to click on the yellow button
12.After clicking on the button, the site to do the necessary calculations. it will
highlight the amount on the screen. Thus, the applicant will get an idea about
the total premium that he has to pay in order to safeguard his investment and
crops from any damage, caused due to natural reasons.
Pradhan Mantri Fasal Bima Yojana Android
App
Along with the new and improved website, the agro department has also launched a
mobile application for this scheme. For the design and launch of this app, the central
agriculture department took help from the Information Technology department. The
“Crop Insurance App” is only for any android smartphone. Any person can download
this application from Google PlayStore for no extra payment. Just initiate a search on
Google PlayStore with the name of this app, and then download it easily. The
application can download from the link http://www.agri-
insurance.gov.in/Document/CCE_Agri_121_27-03-2017.apk. All features, which you
get on the website, are also available on this smartphone application. It will make
things easy for farmers.
Budget allocation for this scheme
It is an ambitious project, undertaken by the Modi government. During the official
budget speech of 2016 -2017, FM Arun Jaitley made it clear that it will put huge
pressure on the national treasury. During this speech, he said that allocations of Rs.
550 crore for proper implementation of this scheme. During the 2017 budget
announcement, 40% extra allocation towards this project that took the total cost to
Rs. 9000 crores. By the end of this year, the central government aims at
incorporating 50% cultivable land under this project.

30. Pradhan Mantri Fasal Bima Yojana Contact
details and helpline numbers
In case any farmer desires to attain any information related to this scheme, then he
can dial the number 011-23382012, followed by an extension 2715 / 2709 to talk to
customer care executives. Any other doubt can clear on to the link help.agri-
insurance@gov.in. You can also visit the official website of PMFBY.
Farmers have been using this unique scheme to reduce their crop losses. Poor
farmers stake everything they have on the crop yield. They choose to take their lives
by committing suicide. But schemes like these have succeeded in lowering the
farmer suicide percentage in the nation. The new site is still under development, and
central government will notify applicants as and when any updates take place.