Pradhan Mantri Fasal Bima Yojana


Pradhan Mantri Fasal Bima Yojana (PMFBY) - Toll Free for Crop Insurance :1800 568 9999



Pradhan Mantri Fasal Bima Yojna (PMFBY) was introduced in 2016, replacing all the existing yield insurance schemes in India. The scheme has extended coverage under localized risks, post-harvest losses etc. and aims at adoption of technology for yield estimation. Through increased farmer awareness and low farmer premium rates the scheme aims at increasing the crop insurance penetration in India.





Pradhan Mantri Fasal Bima Yojana (PMFBY) aims at supporting sustainable production in agriculture sector by way of -

a) Providing financial support to farmers suffering crop loss/damage arising out of unforeseen events

b) Stabilizing the income of farmers to ensure their continuance in farming

c) Encouraging farmers to adopt innovative and modern agricultural practices

d) Ensuring flow of credit to the agriculture sector; which will contribute to food security, crop diversification and enhancing growth and competitiveness of

agriculture sector besides protecting farmers from production risks.




All farmers including share croppers and tenant farmers growing notified crops in the notified areas are eligible under this scheme

Coverage of Farmers

Loanee Farmers (Compulsory Coverage): All the farmers availing seasonal agriculture operations (SAO) loans from financial institutes (Loanee farmers / KCC holders) for the notified crop would be covered compulsorily.

Non-Loanee Farmers: The Scheme would be optional for the non-loanee farmers.

Coverage of Crops

All Food Crops (Cereals, Millets, and Pulses), Oil seeds, Annual Commercial/Horticulture Crops.


Coverage of Risks


 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

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.

General Exclusions: Losses arising out of war and nuclear risks, malicious damage and other preventable risks shall be excluded.



Key Features of PMFBY


The rate of premium payable by the farmer will be as per the following table:





Maximum Insurance Charges Payable by Farmers (% of Sum Insured)



All food grain and Oil seeds crops (all Cereals, Millets, Pulses and Oil seeds crops)

2.0% of SI or Actuarial rate, whichever is less



All food grain and Oil seeds crops (all Cereals, Millets, Pulses and Oil seeds crops)

1.5% of SI or Actuarial rate, whichever is less


Kharif & Rabi

Annual Commercial/ Annual Horticultural crops

5% of SI or Actuarial rate, whichever is less


Use of Technology


The new scheme envisages many new things such as utilizing innovative technologies like satellite imagery, vegetation indices etc. coupled with the mandatory usage of smart phones / hand held devices for increasing the speed and accuracy during yield estimation. In order to minimize the area discrepancy in coverage, the scheme also promotes the digitization of land records.


Increased Farmer Awareness


Efforts are being made to increase the awareness amongst farmers regarding PMFBY so that maximum number of farmers can enroll and avail benefits of the scheme.



 Better Coverage


Pradhan Mantri Fasal Bima Yojana (PMFBY) aims at covering the losses suffered by farmers due to reduction in crop yield as estimated by the local appropriate government authorities. The scheme also covers pre-sowing losses, post-harvest losses due to cyclonic rains and losses due to unseasonal rainfall in India. There is a provision to cover losses due to localized calamities such as inundation also in addition to the previously covered hailstorm and landslide risks.


Claim Process


If ‘Actual Yield’ (AY) per hectare of insured crop for the insurance unit (calculated on basis of requisite number of CCEs) in insured season, falls short of specified ‘Threshold Yield’ (TY), all insured farmers growing that crop in the defined area are deemed to have suffered shortfall of similar magnitude in yield. PMFBY seeks to provide coverage against such contingency.



Name of Product
Policy Wordings
1. Pradhan Mantri fasal bima Yojana Assam View View
2. Restructured Weather Based Crop Insurance Scheme    View  View



Kharif 2019



Rabi 2018-19


Kharif 2018


Rabi 2017-18



Kharif 2017




Contact Details


Rakesh Ranjan

Mail ID


Mrityunjoy Bhattacharya

Mail ID


Toll free number- 1860 425 0000



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