📌 Introduction: Why PM Fasal Bima Yojana 2025 Matters
Agriculture is the backbone of India—but it’s also one of the riskiest professions. Every year, lakhs of farmers lose their crops to floods, droughts, pests, or unexpected weather changes. The Pradhan Mantri Fasal Bima Yojana (PMFBY) is the Government of India’s flagship crop insurance scheme to protect farmers from such losses and ensure financial stability.
At BharatSchemes.com, we aim to bring every farmer clear, updated, and simplified information about how to get insured, how much premium to pay, and how to claim benefits under PMFBY 2025.
🌱 PM Fasal Bima Yojana 2025 – Key Highlights
| Feature | Details |
|---|---|
| Launch Year | 2016 |
| Implemented By | Ministry of Agriculture & Farmers Welfare, Govt. of India |
| Coverage | All food & oilseed crops, annual commercial & horticultural crops |
| Premium Paid by Farmers | Kharif – 2% of sum insured; Rabi – 1.5%; Commercial/Horticulture – 5% |
| Premium Subsidy | Remaining cost paid by Central & State Governments |
| Coverage Period | Sowing to post-harvest losses |
| Mode of Application | Online & Offline via CSCs, Banks, PMFBY Portal |
| Official Website | pmfby.gov.in |
🌾 Benefits of PM Fasal Bima Yojana 2025
- Low Premium, High Coverage—Farmers pay only a small fixed percentage, and the government covers the rest.
- Protection Against All Major Risks—Natural calamities, pests, diseases, and post-harvest damage.
- Financial Stability—Farmers get claims directly in their bank accounts.
- Covers sowing to harvest—includes risks even after cutting crops (up to 14 days).
- Nationwide Accessibility – Available across most states & UTs in India.
👩🌾 Eligibility Criteria of PM Fasal Bima Yojana 2025
- Who Can Apply:
- All farmers (loanee and non-loanee) growing notified crops in notified areas.
- Tenant and sharecropper farmers are also eligible.
- Conditions:
- Must have sown crops in the notified area.
- Bank account & Aadhaar linked.
📑 Required Documents
- Aadhaar Card
- Bank Account Passbook
- Land Record / Crop Sowing Certificate
- Passport-size Photo
- Loan Proof (for loanee farmers)
💰 Premium Rates for Farmers
| Season & Crop Type | Farmer’s Share of Premium |
|---|---|
| Kharif Food & Oilseed Crops | 2% of sum insured |
| Rabi Food & Oilseed Crops | 1.5% of sum insured |
| Annual Commercial/Horticultural Crops | 5% of sum insured |
Example:
If your Kharif crop is insured for ₹50,000, you pay only ₹1,000 as a premium, and the rest is paid by the government.
📅 Important Dates for PM Fasal Bima Yojana 2025
- Kharif Season Registration Last Date: 31 July 2025
- Rabi Season Registration Last Date: 31 December 2025
- Farmers must apply before sowing or within the notified cut-off dates.
🖥 How to Apply for PM Fasal Bima Yojana 2025
Online Application (Self-Registration)
- Visit the official website: pmfby.gov.in
PM Fasal Bima Yojana 2025 - Click “Farmer Corner” → “Apply for Crop Insurance”.
- Register using Aadhaar & mobile number.
PM Fasal Bima Yojana 2025 - Select crop, season, area, and sum insured.
- Upload documents & pay premium online.
Offline Application
- Visit your nearest CSC centre, bank branch, or agriculture office.
- Fill out the PMFBY form and submit the required documents.
- Pay the premium through the bank or CSC payment system.
🛠 Claim Process – Step-by-Step
- Loss Intimation: Notify crop loss to the insurance company/bank within 72 hours via toll-free number, CSC, or online portal.
- Verification: Joint inspection by government & insurance company representatives.
- Approval: Based on yield data from crop cutting experiments (CCE).
- Payment: The claim amount is directly credited to the farmer’s bank account via DBT (Direct Benefit Transfer).
📊 Risks Covered
✅ Pre-sowing & Standing Crop Loss – Drought, flood, cyclone, pest attacks, etc.
✅ Post-harvest Loss – Damage due to cyclone or unseasonal rain within 14 days after harvest.
✅ Localised Risks – Landslides, hailstorms, and cloudbursts in specific areas.
Read more:
-
Atal Pension Yojana 2025(APY) | Guaranteed Pension Scheme for Old Age Security
-
Delhi University UG Admissions 2025: Mid-Entry Window Opens — Your Last Golden Chance to Join DU
❓ FAQs – PM Fasal Bima Yojana 2025
Q1. Is PMFBY compulsory for farmers?
- For loanee farmers (with crop loans), it’s usually mandatory. For others, it’s optional but highly recommended.
Q2. Can tenant farmers apply?
- Yes, with proof of cultivation or a certificate from the panchayat/local authority.
Q3. How will I know if my crop is covered?
- Check your district’s notified crop list on PMFBY’s official portal or at your bank/agriculture office.
Q4. How is the claim amount calculated?
- Based on the shortfall in actual yield compared to threshold yield for your area.
📌 Where to Apply?
✅ CSC Centres – Common Service Centres in your village.
✅ Banks – For loanee and non-loanee farmers.
✅ PMFBY Portal – pmfby.gov.in
✅ Mobile Apps – Crop Insurance App, UMANG App.
🌟 Final Words—Secure Your Harvest Before It’s Too Late
Unpredictable weather and rising agricultural risks make crop insurance not a luxury but a necessity. The PM Fasal Bima Yojana 2025 ensures that farmers can recover from crop losses without falling into debt traps.
If you’re a farmer, don’t wait for a calamity—register now for PMFBY 2025 and secure your hard work and livelihood.