🌾 Farmers & agriculture · Ministry of Agriculture & Farmers Welfare
Pradhan Mantri Fasal Bima Yojana (PMFBY)
Low-premium crop insurance against drought, flood, pests and other losses.
What you get
Crop insurance for just 1.5–5% premium
🔗 Direct official links
These open the government website in a new tab. Applying there is free; never pay anyone for a form.
✅ Benefits
- Farmer pays only 2% premium for Kharif crops, 1.5% for Rabi crops and 5% for commercial / horticulture crops; the government pays the rest.
- Covers yield loss from natural calamities, pests and diseases.
- Also covers prevented sowing and some post-harvest and local losses (hailstorm, landslide, flooding).
👤 Who can apply
- All farmers growing notified crops in notified areas, including tenant farmers and sharecroppers.
- Joining is voluntary for all farmers.
- You must enrol before the cut-off date for each season.
📄 Documents needed
- Aadhaar card
- Land record, or tenancy / sharecropping agreement
- Bank passbook
- Sowing certificate (if asked by the state)
📝 How to apply
- Apply through your bank (if you have a crop loan it may be automatic), a CSC, the insurance company, or pmfby.gov.in.
- Choose the crop and area, and pay your share of the premium.
- Keep the receipt with the policy number.
Benefits in detail
- Farmer pays only 2% premium for Kharif crops, 1.5% for Rabi crops and 5% for commercial / horticulture crops; the government pays the rest.
- Covers yield loss from natural calamities, pests and diseases.
- Also covers prevented sowing and some post-harvest and local losses (hailstorm, landslide, flooding).
Who can apply
- All farmers growing notified crops in notified areas, including tenant farmers and sharecroppers.
- Joining is voluntary for all farmers.
- You must enrol before the cut-off date for each season.
Documents needed
- Aadhaar card
- Land record, or tenancy / sharecropping agreement
- Bank passbook
- Sowing certificate (if asked by the state)
How to apply, step by step
- Apply through your bank (if you have a crop loan it may be automatic), a CSC, the insurance company, or pmfby.gov.in.
- Choose the crop and area, and pay your share of the premium.
- Keep the receipt with the policy number.
- Report crop loss within 72 hours on the Crop Insurance app, helpline 14447 or to your bank / agriculture office.
Last checked against the official website: 26 Sept 2026
Amounts and rules can change. The official website is always final. YojanaHelper is an independent guide, not a government website.
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