Pradhan Mantri Fasal Bima Yojana (PMFBY) ek government-sponsored crop insurance scheme hai jo 18 February 2016 ko Prime Minister Narendra Modi ne launch ki thi. Ye scheme One Nation – One Scheme ke theme par banai gayi hai.

Is scheme ne purani do yojanao — National Agricultural Insurance Scheme (NAIS) aur Modified NAIS — ko replace kiya. PMFBY ka goal hai ki har kisan ko natural disasters, pests, aur diseases se hone wale financial loss se bachaaya jaye.

Simple bhasha mein: Agar aapki fasal baarish, sookha, aaandhi ya kisi bhi praakritik aapadaa ki wajah se kharab ho jaaye, toh government aapko muavaza degi — woh bhi bahut kam premium par.

2. Scheme Ke Main Objectives

✓Praakritik aapadaon se fasal kharab hone par financial support dena
✓Kisan ki income ko stable rakhna
✓Aadhunik farming techniques adopt karne ke liye encourage karna
✓Agriculture sector mein credit flow ensure karna
✓Food security aur crop diversification ko badhawa dena

3. Key Statistics 2024-25

4.19 CrFarmers enrolled (2024-25, record high)

₹69,515 CrTotal budget (FY22–FY26)

522 LakhNon-loanee farmer applications

#1World’s largest crop insurance by farmer enrolment

Source: PIB India, IBEF, 2025

4. Premium Rates — Kitna Dena Hoga?

PMFBY ki sabse badi khasiyat hai iske bahut kam premium rates. Baaki premium ka bojh central aur state government milkar uthati hain.

Fasal Ka Prakar	Kisan Ka Premium	Season
Kharif Faslen (Dhan, Makka, Bajra)	Sirf 2%	June – November
Rabi Faslen (Gehun, Sarson, Chana)	Sirf 1.5%	October – March
Commercial / Horticultural Crops	Max 5%	Year-round

Kuch states ne kisan ka premium share bhi maaf kar diya hai — matlab wahan kisano ko ek paisa nahi dena padta!

5. Eligibility — Kaun Apply Kar Sakta Hai?

→Sabhi Indian farmers — loanee aur non-loanee dono
→Sharecroppers aur tenant farmers bhi eligible hain
→Notified crops aur notified areas mein kheti karne wale farmers
→Mahila kisano ke liye bhi — 2022-23 mein 36-48% zyada applications
→Scheme ab voluntary hai (pehle compulsory thi loanee farmers ke liye)

6. Covered Risks — Kya Kya Cover Hota Hai?

🌧Baarish aur Baaadh

Ati varsha, flooding

☀️Sookha

Drought, water scarcity

🌨Olaavrishti

Hailstorm damage

🐛Pests & Diseases

Keede, rog

🌀Andhi-Toofan

Cyclone, storm

📦Post-Harvest Loss

Cutting ke baad nuqsaan

Note: Abhi government janwaron se hone wali fasal kharaabi ko bhi cover mein add karne par vichar kar rahi hai.

7. Apply Kaise Karein?

Online Apply (pmfby.gov.in par):

pmfby.gov.in par jaayein aur “Farmer Corner” select karein
Mobile number se register karein aur OTP verify karein
Personal details, aadhaar, bank account aur khet ki jaankari bharen
Fasal ka prakar, area (hectare mein), season select karein
Premium amount pay karein aur application submit karein

Offline Apply: Apne nazdiki bank branch, Common Service Centre (CSC), ya kisan seva kendra par jaakar bhi apply kar sakte hain.

Zaroori documents: Aadhaar card, bank passbook, khatauni/khasra, buvaai praman patra (Patwari se signed), mobile number

8. Claim Process — Muavaza Kaise Milega?

Fasal kharab hone ke72 ghante ke andarinsurance company ya helpline ko inform karein
pmfby.gov.in portal ya CSC mein claim form bharen
Government officials aayenge aur fasal kaCrop Cutting Experiment (CCE)karenge
Data verify hoga — satellite imagery aur YES-TECH technology ka use hoga
Muavaza directly aapke bank account mein DBT (Direct Benefit Transfer) ke zariye aayega

Important: Kharif 2024 se, agar insurance company der se payment kare, toh usse 12% penalty deni hogi. Yeh kisan ke haq mein bahut bada kadam hai!

9. Recent Updates 2025

Jan 2025Union Cabinet ne PMFBY ko 2025-26 tak extend kiya — ₹69,515.71 crore ke budget ke saath
2024-25Record 4.19 crore farmers enrolled — scheme ke launch ke baad sabse zyada
Kharif 2024Soybean fasal ko bhi scheme mein include kiya gaya
WINDSHar block mein Automatic Weather Stations aur Gram Panchayat mein Rain Gauges lagaye ja rahe hain
Budget 2025-26₹12,242 crore crop insurance ke liye allocate kiye gaye

Pradhan Mantri Fasal Bima Yojana – FAQs (Hinglish)

❓ Q1. Pradhan Mantri Fasal Bima Yojana (PMFBY) kya hai?

Ans: PMFBY ek government scheme hai jo farmers ko crop loss (sukha, baadh, aandhi, keede, etc.) se financial protection deti hai. Isme fasal kharab hone par insurance claim milta hai.

❓ Q2. Is scheme ka main purpose kya hai?

Ans: Iska main goal hai:

Farmers ko financial security dena
Natural disaster ke baad unka nuksan cover karna
Farming ko safe aur stable banana

❓ Q3. Kaun-kaun PMFBY ke liye eligible hai?

Ans:

Sabhi farmers (small, marginal, big)
Jo bank se loan lete hain (loanee farmers – auto cover)
Jo loan nahi lete (non-loanee farmers – optional apply)

❓ Q4. Farmers ko kitna premium dena padta hai?

Ans: Farmers ko bahut kam premium dena hota hai:

Kharif crops: 2%
Rabi crops: 1.5%
Commercial/horticulture crops: 5%
Baaki premium government pay karti hai.

❓ Q5. Kaun-kaun se risks cover hote hain?

Ans:

Sukha (Drought)
Baadh (Flood)
Cyclone, storm
Pest & disease attack
Harvest ke baad ka loss (limited time ke liye)

❓ Q6. Claim kaise milta hai?

Ans:

Government crop cutting experiment karti hai
Uske basis par loss calculate hota hai
Direct bank account me paisa transfer hota hai (DBT)

❓ Q7. PMFBY ke liye apply kaise karein?

Ans:

Bank branch me jaakar
CSC (Common Service Center)
Online portal par apply kar sakte ho

❓ Q8. Last date kya hoti hai apply karne ki?

Ans:

Kharif ke liye: generally July end
Rabi ke liye: generally December end
(State ke according change ho sakti hai)

❓ Q9. Agar fasal ka nuksan ho jaye to kya karein?

Ans:

72 ghante ke andar report karein
Insurance company ya agriculture office ko inform karein
Photo/video proof bhi helpful hota hai

❓ Q10. Kya loan lene wale farmers ke liye mandatory hai?

Ans: Pehle mandatory tha, lekin ab ye optional ho chuka hai (farmer ki marzi par depend karta hai).

❓ Q11. PMFBY ka fayda kya hai?

Ans: Natural disaster me sahara milta hai

Risk kam hota hai

Income stable rehti hai

References / Sources

Official PMFBY Portal — pmfby.gov.in
Wikipedia — Pradhan Mantri Fasal Bima Yojana
PIB India — PMFBY Turns Nine (Feb 2025)
IBEF — PMFBY Scheme Overview
Ministry of Agriculture & Farmers’ Welfare, Government of India
PIB Press Note — Empowering Annadatas: PMFBY (2025)

Rishabh Kumar

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