Pradhan Mantri Fasal Bima Yojana 2026 – Apply Online, Eligibility
Pradhan Mantri Fasal Bima Yojana Details
The Pradhan Mantri Fasal Bima Yojana (PMFBY) is a flagship crop insurance scheme introduced by the Government of India to provide financial security to farmers against crop damage and production risks.
Indian agriculture is highly dependent on monsoon and natural conditions. Farmers often face heavy losses due to droughts, floods, hailstorms, pests, diseases, and other natural calamities. PMFBY was launched to reduce this risk by offering affordable crop insurance coverage to farmers across the country.
The scheme provides protection at every stage of the crop cycle — from sowing to harvesting and even post-harvest losses in certain cases. It ensures that farmers receive timely compensation so they can continue farming without falling into debt.
Pradhan Mantri Fasal Bima Yojana Benefits
Objectives of PMFBY
Provide financial support to farmers facing crop loss
Stabilize farmers’ income during natural disasters
Encourage adoption of modern farming techniques
Promote crop diversification
Improve credit flow to agriculture sector
Reduce production-related risks in farming
Key Features of the Scheme
Low and fixed premium rates for farmers
Government bears major share of insurance cost
Coverage for more than 50 crops across India
Insurance available for loanee and non-loanee farmers
Use of technology such as satellites, drones, and mobile apps
Direct transfer of claim amount to farmer bank accounts
Transparent and faster claim settlement process
Premium Rates
Kharif Crops: 2% of sum insured
Rabi Crops: 1.5% of sum insured
Commercial & Horticultural Crops: 5% of sum insured
🔹 Remaining premium amount is paid by the Government.
🔹 In North-Eastern States, Jammu & Kashmir, Himachal Pradesh, farmers do not pay any premium.
Risks Covered Under PMFBY
1. Standing Crop Loss
Coverage against unavoidable risks such as:
Drought
Flood
Cyclone
Storm and hailstorm
Landslide
Pest and disease attacks
2. Prevented Sowing
If farmers are unable to sow crops due to adverse weather conditions, compensation up to 25% of sum insured is provided.
3. Post-Harvest Loss
Coverage up to 14 days after harvesting for crops kept in “cut and spread” condition damaged by:
Cyclonic rain
Unseasonal rainfall
4. Localized Calamities
Coverage on individual farm basis for:
Hailstorm
Landslide
Inundation
Pradhan Mantri Fasal Bima Yojana Eligibility
All farmers including owner farmers, tenant farmers, and sharecroppers
Must grow notified crops in notified areas
Must possess valid land documents or tenancy proof
Must apply within the notified time period
Must not have received compensation from any other source for the same loss
Exclusions Under the Scheme
Crops grown in non-notified areas
Loss occurring outside the crop season
Damage due to negligence or non-compliance
Loss beyond defined thresholds
Non-payment of insurance premium
Pradhan Mantri Fasal Bima Yojana Apply Process
Online Process
Step 1: Visit official website: (https://pmfby.gov.in)
Step 2: Click on Farmer Corner → Guest Farmer
Step 3: Complete farmer registration by filling:
Personal details
Address details
Farmer ID details
Bank account information
Step 4: Login via Farmer Corner: ( https://pmfby.gov.in/farmerLogin )
Step 5: Verify mobile number using OTP
Step 6: Fill crop insurance application form and upload documents
Step 7: Choose payment option — Pay Now or Pay Later
Step 8: Submit form and download payment receipt
Track Application Status
Farmers can track their application status through the Application Status option on the PMFBY portal.
Offline Process
Step 1:
Visit nearest participating bank or insurance office
Step 2:
Collect and fill the PMFBY application form
Step 3:
Attach required documents and photograph
Step 4:
Pay applicable premium amount
Step 5:
Receive application reference number
Track Application Status
Farmers can track their application status through the Application Status option on the PMFBY portal.
Documents Required
Passport-size photograph
Bank passbook copy
Identity proof (Aadhaar / Voter ID / PAN / KCC)
Address proof
Land records (RoR / LPC / tenancy agreement)
Crop sowing declaration