Pradhan Mantri Fasal Bima Yojana (PMFBY) 2025
Overview
Pradhan Mantri Fasal Bima Yojana 2025 –
The Government of India launched the Pradhan Mantri Fasal Bima Yojana (PMFBY) in 2016 to protect farmers against crop loss or damage due to natural calamities, pests, or diseases. Over the years, this flagship crop insurance scheme has become a strong support system for millions of farmers, ensuring that agricultural risks do not lead to financial instability. In this article, we will cover every detail of Pradhan Mantri Fasal Bima Yojana (PMFBY) 2025, including objectives, key features, eligibility criteria, documents required, application process, claim settlement, and recent updates.
Advertisement Number
Since PMFBY is a government scheme and not a recruitment notification, it does not carry an advertisement number. However, guidelines and notifications are issued annually by the Ministry of Agriculture & Farmers’ Welfare, Government of India.
| Scheme Name | Pradhan Mantri Fasal Bima Yojana (PMFBY) |
|---|---|
| Launched On | 2016 |
| Implemented By | Ministry of Agriculture & Farmers’ Welfare, Govt. of India |
| Objective | To provide financial support to farmers in case of crop loss |
| Target Beneficiaries | Farmers across India, including tenant and sharecroppers |
| Premium Rates | 2% (Kharif), 1.5% (Rabi), 5% (Commercial/Horticulture) |
| Application Mode | Online / CSC / Bank / Mobile App |
| Official Website | https://pmfby.gov.in |
Objectives of PMFBY 2025
The Pradhan Mantri Fasal Bima Yojana 2025 is aimed at empowering farmers through crop insurance. Its main objectives are:
To provide insurance coverage and financial support to farmers in case of crop loss.
To stabilize farmers’ income and encourage them to continue farming even after natural calamities.
To promote modern agricultural practices and risk management strategies.
To strengthen the agricultural economy by reducing distress among farmers.
Key Features of Pradhan Mantri Fasal Bima Yojana (PMFBY) 2025
Uniform Premium Rates:
2% for Kharif crops
1.5% for Rabi crops
5% for commercial and horticultural crops
The remaining premium is subsidized by the Central and State Governments.
Wide Coverage:
Covers loss due to drought, flood, hailstorm, cyclone, landslides, pests, and diseases.Technology Integration:
Satellite imagery, GPS, drones, and mobile apps are used for faster claim settlement.Affordable Insurance:
Farmers pay only a nominal premium, making it affordable for small and marginal farmers.Transparency & Accountability:
Real-time monitoring and digital claim settlement increase scheme efficiency.
Eligibility Criteria for PMFBY 2025
| Criteria | Details |
|---|---|
| Who Can Apply | All farmers (including sharecroppers & tenant farmers) growing notified crops in notified areas |
| Age Limit | No specific age limit |
| Insurable Interest | Farmer must have an insurable interest in the crop being insured |
Crops Covered Under PMFBY
Food Crops: Cereals, millets, pulses
Oilseeds
Annual Commercial Crops
Horticultural Crops
Documents Required for PMFBY Application
Aadhaar Card
Bank Account Details (Passbook copy)
Proof of Land Ownership / Tenancy Agreement
Crop Sowing Details
Premium Rates Under PMFBY 2025
| Crop Type | Premium Rate (Farmer’s Share) |
|---|---|
| Kharif Crops | 2% of Sum Insured |
| Rabi Crops | 1.5% of Sum Insured |
| Commercial / Horticultural Crops | 5% of Sum Insured |
How to Apply Online for PMFBY 2025
Farmers can apply through:
Official Website: https://pmfby.gov.in
Nearest Common Service Centers (CSCs)
Banks & Insurance Agents
PMFBY Mobile App
Step-by-Step Process:
Visit PMFBY Portal.
Click on Farmer Corner → “Apply for Crop Insurance”.
Enter Aadhaar number, mobile number, and crop details.
Upload documents (Land record, Bank passbook, etc.).
Submit application & download acknowledgment receipt.
Claim Settlement Process
Farmers must inform about crop loss within 72 hours.
A joint survey by government officials & insurance company representatives is conducted.
Use of satellite & drone technology for yield estimation.
Claim settlement is done within two weeks of receiving yield data.
PMFBY Mobile App Features
Apply for Crop Insurance
Track Claim Status
Access Weather Updates & Advisories
Get Scheme Guidelines in Regional Languages
PMFBY Mobile App Features
Apply for Crop Insurance
Track Claim Status
Access Weather Updates & Advisories
Get Scheme Guidelines in Regional Languages
Important Links
| Link | URL |
|---|---|
| Sarkari Result | Click Here |
| Telegram Group | Join Now |
| WhatsApp Channel | Join Now |
| Official Website | Click Here |
FAQ –
Q1. Is PMFBY mandatory for all farmers?
No, it is voluntary from 2020 onward.
Q2. Who pays the premium under PMFBY?
Farmers pay a small share (2%, 1.5%, or 5%), the rest is borne by Central & State Governments.
Q3. How can farmers check application status?
By logging into the official portal pmfby.gov.in or via the PMFBY mobile app.
Q4. What is covered under PMFBY?
Losses due to natural calamities, pests, diseases, droughts, floods, etc.
Q5. Can tenant farmers apply for PMFBY?
Yes, tenant farmers and sharecroppers are eligible.
Head Office Address
Ministry of Agriculture & Farmers’ Welfare
Department of Agriculture, Cooperation & Farmers’ Welfare
Krishi Bhawan, Dr. Rajendra Prasad Road,
New Delhi – 110001
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