Farming in India is more than just an occupation — it’s the heartbeat of rural life. But unpredictable weather, pests, and crop diseases can make it a risky livelihood. To safeguard farmers against such uncertainties, the PM Fasal Bima Yojana 2025 steps in as a trusted ally, offering insurance coverage and financial support during crop loss.
This scheme not only protects farmers’ incomes but also empowers them to invest confidently in their fields. Let’s break down the Claim Process & Benefits, and how you can apply.
Key Features of PM Fasal Bima Yojana 2025
| Feature | Details |
|---|---|
| Scheme Launch | 2016 (Revamped for 2025) |
| Coverage | All food crops, oilseeds, and commercial crops |
| Premium Rates | Kharif crops – 2%, Rabi crops – 1.5%, Commercial crops – 5% |
| Risk Coverage | Pre-sowing to post-harvest losses |
| Eligibility | All farmers with insurable crops in notified areas |
| Application Mode | Online & offline |
Claim Process & Benefits of PM Fasal Bima Yojana 2025
Benefits for Farmers
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Financial protection against crop loss due to natural calamities, pests, or diseases
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Low premium rates make it affordable for small and marginal farmers
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Quick claim settlement ensures timely relief
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Covers all stages — from pre-sowing to post-harvest losses
Claim Process
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Inform the insurer quickly — Notify within 72 hours of crop loss
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Submit documents — Include claim form, land records, and photographs of damage
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Field inspection — Officials verify loss through crop-cutting experiments or surveys
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Claim settlement — Compensation is directly transferred to the farmer’s bank account
| Step | Timeline | Action Required by Farmer |
|---|---|---|
| Report Loss | Within 72 hours | Call helpline or visit local agriculture office |
| Document Submission | Within 7 days | Provide claim form, proof of sowing, and damage photos |
| Field Verification | As per schedule | Cooperate with inspection teams |
| Settlement | 2–3 weeks | Receive payment in bank account |
How to Apply for PM Fasal Bima Yojana 2025
Farmers can apply through:
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Online Portal: pmfby.gov.in
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Common Service Centres (CSCs) in villages
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Banks where crop loans are taken
Application Steps
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Visit the official PMFBY portal or nearest CSC/bank branch
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Fill in crop, land, and personal details
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Upload required documents (Aadhaar, land records, bank passbook)
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Pay the premium and collect acknowledgment
Documents Required
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Aadhaar Card
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Bank account details
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Land ownership proof / tenancy agreement
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Sowing certificate (if applicable)
FAQs
Q1. Who is eligible for PM Fasal Bima Yojana 2025?
All farmers cultivating notified crops in notified areas, including sharecroppers and tenant farmers.
Q2. What losses are covered under this scheme?
Losses due to drought, flood, hailstorm, pests, diseases, and post-harvest losses.
Q3. How long does it take to settle a claim?
Usually within 2–3 weeks after field verification.
Q4. Can I apply without taking a crop loan?
Yes, even non-loanee farmers can apply directly through the portal or CSCs.
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