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Pradhan Mantri Fasal Bima Yojana (PMFBY)

Pradhan Mantri Fasal Bima Yojana: PMFBY Scheme

Details of Pradhan Mantri Fasal Bima Yojana

In April, 2016, the Government of India had launched Pradhan Mantri Fasal Bima Yojana(PMFBY) after rolling back the earlier insurance schemes viz. National Agriculture Insurance Scheme (NAIS), Weather-based Crop Insurance scheme and Modified National Agricultural Insurance Scheme (MNAIS). Thus, at present, PMFBY is the flagship scheme of the government for agricultural insurance in India.

Crops Covered Under PMFBY

Food crops (Cereals, Millets and Pulses)


Annual Commercial / Annual Horticultural crops

Key Features

Covers Localized Risks and Post-Harvest Losses.

Use of advanced technology for faster, hassle-free claims.

Telephonic Claim intimation on 1800-209-5959

Risks Covered

Prevented Sowing/Planting Risk

A farmer is eligible for a cover up to 25% of the SI (Sum Insured) on account of prevented sowing/ planting due to deficit rainfall or adverse seasonal conditions. This is applicable for the cases where the farmer had every intention to sow/ plant and had incurred expenditure for the same.

Standing Crop (Sowing to Harvesting)

Comprehensive risk insurance is provided to cover yield losses due to non- preventable risks e.g. natural fire and lightning, storm, tempest, cyclone, drought/dry spell, pests and diseases.

Post-Harvest Losses

This coverage is available up to a maximum period of two weeks from harvesting, and is applicable for those crops which are allowed to dry in 'cut and spread' condition in the field after harvesting. The coverage is available against specific perils of cyclone, cyclonic rains and unseasonal rains.

Localized Risk

Loss/damage resulting from occurrence of identified localized risks of hailstorm, landslide and inundation affecting isolated farms in the notified area.

Benefits of the Pradhan Mantri Fasal Bima Yojana?

  • Farmer's contribution to premium is reduced significantly i.e. 2% for Kharif crops, 1.5% for Rabi crops and 5% for Annual and Commercial crops.
  • Provision to assess the losses individually in case of localized perils such as hailstorm, inundation and landslide.
  • Assessment of yield loss on individual plot basis in case of occurrence of cyclone, cyclonic rains and unseasonal rains throughout the country resulting in damage to harvested crop lying in the field in 'cut and spread' condition up to maximum period of two weeks (14 days) from harvesting for the sole purpose of drying.
  • On-account claim payment is made to the farmer in case of prevented sowing and localized losses.
  • The use of technology will be encouraged to a great extent under this scheme. Smart phones will be used to capture and upload data of crop cutting to reduce the delays in claim payment to farmers. Remote sensing will also be used under this scheme to reduce the number of crop cutting experiments.

Exclusions of the Pradhan Mantri Fasal Bima Yojana?

  • Malicious damage
  • Preventable risks
  • Losses arising out of war and nuclear risks

The Actuarial Premium Rate (APR) is charged under PMFBY. This rate is applied on the Sum Insured. The maximum premium rate payable by the farmers under this scheme is determined using the following table:

Season Crops Maximum insurance charges payable by farmer
Kharif All food grains and oilseed crops 2% of Sum Insured
Rabi All food grains and oilseed crops 1.5% of Sum Insured
Kharif and Rabi Annual Commercial / Annual Horticultural crops
Perennial Horticultural Crops (Pilot Basis)
5% of Sum Insured


Remaining premium will be paid equally by the State and Central Government.

The claim process for Pradhan Mantri Bima Yojana with us, at Bajaj Allianz, is quick and easy.


For Localized Losses

  • Farmers may intimate the details of the loss within 72 hours of the calamity either to us or the concerned bank or local agriculture department / district officials. They can also reach us using our Farmitra Mobile App or can call us at the toll free number  1800-209-5959 .
  • Intimation must contain details of survey number-wise insured crop and the acreage affected along with bank account number (Loanee famer) and saving bank account no (Non Loanee Farmer).
  • A surveyor will be appointed by us within 48 hours and the loss assessment will be completed within 72 hours of appointment of surveyor.
  • The premium payment done by the farmer will be verified from bank or farmer portal within 7 days of loss intimation.
  • The applicable pay-out based on the cover will be disbursed within 15 days of the survey of loss. However, it is to be noted that we can remit claims only post receipt of 50% of government share of premium subsidy.
  • For the details of localized claims for the state of Uttar Pradesh, click here
  • For the details of localized claims for the state of Gujarat, click here
  • For the details of localized claims for the state of Chhattisgarh, click here
  • For the details of localized claims for the state of Uttarakhand, click here

For Prevented Sowing

There is no need for the insured farmer to intimate the insurance company losses due to prevented sowing, as this will be a widespread calamity and assessment is based on area approach. This benefit is triggered when majority of farmers are unable to sow their crop because of weather conditions. The details are as below:

  • The insured farmers shall be paid the claim under prevented sowing if minimum 75% of the sown area of major crop in the notified Insurance Unit (IU) remains unsown or has suffered germination failure due to wide spread calamities such as drought or flood.
  • This provision needs to be invoked by State Government within 15 days of the cut-off date of enrolment.
  • The insurance company would pay the claim within 30 days of the state notification of the prevented sowing, subject to the data on estimated sown area having been received from State Government and receipt of advance subsidy (1st instalment) from government.
  • Insurance cover will cease post the payment of 25% of Sum Insured to farmers as final claims.
  • Once the claim is paid under prevented sowing, no fresh enrolment of farmers for the affected notified IU's and crop would be accepted. This applies to all the farmers in the notified Insurance Units.
  • To view farmer wise claim details, click here

Wide Spread Calamities

This cover pays for the shortage in yield of the insured crop compared to Threshold Yield (TY) on area approach.

  • If the Actual Yield (AY) of the insured crop in the Insured Unit (IU) is less than Threshold Yield of the insured crop in the IU then all the insured farmers in the Insurance Unit growing the same crop are assumed to have suffered the loss. The claim is calculated as: ((Threshold Yield - Actual Yield) / Threshold Yield  * Sum Insured Where, AY is calculated on the no. of CCE's done in the Insurance unit and TY is calculated as the average of the best of 5 years from the last seven years
  • For the details of wide spread calamities claims for the state of Gujarat, click here
  • For the details of wide spread calamities claims for the state of Uttar Pradesh, click here
  • For the details of wide spread calamities claims for the state of Uttarakhand, click here

Mid-season Calamity

This cover is to provide immediate relief to farmers in case of any widespread calamity or adverse season, wherein the expected yield during the season is likely to be less than 50% of normal yield.

  • If due to adverse severe seasonal conditions such as severe drought, dry spells and drought declared by state/UT, abnormally low temperatures, wide spread incidence of insects, pests and diseases and natural events such as floods resulting in wide spread loss, the expected yield of the insured crop is less than 50% than the normal yield then the mid-season calamity claim is paid to the insured farmer.
  • Under this claim, the amount is payable to the insured farmer directly on account and shall be 25% of the total Sum Inured.
  • The timeline of the mid-season adversity to be triggered is post one month after the crop sowing and before 15 days of the harvest time.
  • The State Government would notify within 7 days regarding the mid-season adversity and the loss assessment has to be done within the next 15 days from the occurrence of adverse seasonal events.
  • The district level joint committee would assess the claim and decide whether the claim is payable under this condition.
  • The on account payment would be calculated as: ((Threshold Yield - Actual Yield) / Threshold Yield  * Sum Insured * 25%

Post-Harvest Loss

  • Post-harvest yield loss is assessed on individual plot/farm occurring due to hailstorm, cyclone, cyclonic rains and unseasonal rainfall when the harvested crop is kept lying on the fields "in cut and spread" condition for drying of the crop up to 14 days from harvesting of the crop. In such cases on individual basis the claim shall be paid to the insured farmers by the insurance company.
  • The farmer must intimate the loss within 72 hours to the insurance company, concerned bank, agriculture department, district officials. This can be done using the toll free number provided by the insurance company.
  • The insurance company will appoint the surveyor within 48 hours after receiving the complaint. The loss assessment should be completed within 10 days from appointed of the surveyor.
  • The claim would be paid within 15 days from the loss assessment. The percentage of loss shall be assessed through this loss assessment.
  • If the affected area is more than 25% of the total cropped area, then all the farmers in the insurance unit would be deemed to have suffered the loss and the claim would be paid to all insured farmers.


What is Insurance? | बीमा क्या है?

What is Insurance?


Claims Paid (In Cr.)
FY 2016-17 FY 2017-18 FY 2018-19
ANDHRA PRADESH 570.35 - Yield data and state/central subsidy pending.
BIHAR 164.29 - -
CHHATTISGARH 17.59 48.79 184.44 (State/central subsidy pending under RWBCIS)
GUJARAT - - 0.25
HARYANA 134.14 363.93 -
MAHARASHTRA 175.10 32.74 247.34
RAJASTHAN - 705.49 7.10 (Remaining state/central subsidy pending)
TELANGANA 54.74 5.46 State/central subsidy pending
UTTAR PRADESH - 58.77 17.89
Grand Total 1116.21 1215.18 457.02


In the financial year 2016-17, we have implemented PMFBY in the states of Bihar, Chhattisgarh, Haryana and Telangana covering approximately 12.38 lakh farmers.

In the financial year 2017-18, we have implemented PMFBY in the states of Chhattisgarh, Haryana, Uttar Pradesh, Rajasthan and Telangana covering approximately 50 lakh farmers.

For the current year we are implementing the PMFBY in the states of Chhattisgarh, Jharkhand, and Uttar Pradesh. We are also implementing Restructured Weather Based Crop Insurance Scheme for Horticulture crops in the State of Rajasthan.

Click here for the list of States and Districts serviced by us for Kharif and Rabi 2019.

Season Kharif
Year 2016 2017 2018
No. of Farmers Insured 16,21,058 23,33,666 12,30,916
Season Kharif
Year 2016 2017 2018
No. of Farmers Insured 16,21,058 23,33,666 12,30,916


Click here for the farmers application status for Rabi 2018 - Maharashtra. Please contact your nearest CSC for uploading pending documents (if any). There are 6191 queried applications


Customer Stories

Shravan Kumar Jhanghee
Shravan Kumar Jhanghee

This year there was immense hailstorm, but thankfully I am covered with Pradhan Mantri Fasal Bima Yojna and BAGIC did a brilliant job in paying my claims. It was settled in a quick and hassle free manner directly in my bank account.

Pawan Jhinghel

BAGIC imparted a lot of awareness to farmers via Street Plays on the importance of Crop Insurance. I am extremely thankful to our Prime Minister and BAGIC advisors for spreading such awareness. It is indeed a noble deed.

Ramadhir Lodhi

BAGIC is doing a noble job making farmers like us aware of Pradhan Mantri Fasal Bima Yojna without which we could have suffered immensely owing to this year's hailstorm. The way the claim amount was credited directly into my bank account.


Which farmers are eligible for scheme?

Under the PMFBY and RWBCIS scheme, both Loanee and Non-Loanee farmers can be insured.

Where can farmers insure their crops?

Loanee farmers are compulsorily insured through the banks from where they avail their crop loan. Non-Loanee farmers can insure their crop either by visiting CSC centres or offices of insurance companies. Farmers can also approach banks or agents & brokers of insurance companies, or online on the farmer portal as well.

Which crops are insured under these schemes?

Following crops are insured under this scheme:

  • Food crops (Cereals, Millets, Pulses)

  • Oilseeds

  • Annual Commercial/ Annual Horticultural crops

For additional information you click here:https://pmfby.gov.in/faq


I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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