Pradhan Mantri Fasal Bima Yojana Form PDF

This topic provides information about Pradhan Mantri Fasal Bima Yojana, risks covered under the scheme,unit of insurance,how to apply,calendar of activity, weather based crop insurance,farmers to be covered,unified package insurance scheme, pmfby,crop insurance,how to claim agri insurance

Oct 23, 2021 - 06:15
Feb 19, 2023 - 23:22
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Pradhan Mantri Fasal Bima Yojana Form PDF
Pradhan Mantri Fasal Bima Yojana Form PDF

The new crop insurance scheme is in line with the One Nation - One Scheme theme. It incorporates the best features of all previous schemes and at the same time, all previous shortcomings / weaknesses have been removed. PMFBY will replace the existing two schemes, the National Agricultural Insurance Scheme as well as the revised NAIS.


  • To provide insurance coverage and financial assistance to farmers in case of any proposed crop failure as a result of natural calamities, pests and diseases.
  • To stabilize the income of farmers so that they can continue farming.
  • To encourage farmers to adopt innovative and modern farming methods.
  • To ensure the flow of credit in the agricultural sector.

Highlights of the Schemes

PMFBY scheme launched

There will be a uniform premium of only 2% by farmers for all kharif crops and 1.5% for all sun crops. In the case of annual commercial and horticultural crops, the premium paid by farmers will be only 5%. The rate of premium paid by farmers is very low and the balance premium will be paid by the government to provide full insurance amount to the farmers against crop loss due to natural calamities.

There is no upper limit on government subsidies. Even if the balance premium is 90% it will be borne by the government.

Previously, there was a provision to limit the premium rate which resulted in less claims being paid to farmers. This capping was done to limit government spending on premium subsidies. This capping has now been removed and farmers will get a claim against the full sum insured without any reduction.

The use of technology will be greatly encouraged. Smart phones will be used to obtain and upload crop cutting data to reduce delays in payment of claims to farmers. Remote sensing will be used to reduce the number of harvest experiments.

PMFBY is a replacement scheme of NAIS / MNAIS, exempted from service tax liability for all services involved in the implementation of the scheme. It is estimated that the new scheme will ensure about 75-80 per cent subsidy for farmers in insurance premiums.

Farmers will be covered

pradhan mantri fasal Bima Yojana

All farmers who grow notified crops in the notified area during the season are eligible for an insurable interest in the crop.

To meet the demand of farmers, the scheme has been made voluntary for all farmers from Kharif 2020 onwards.

Earlier till Kharif 2020, registration under the scheme was mandatory for the following categories of farmers:

  • Farmers in the notified area who have a crop loan account / KCC account (known as a loan farmer) who are granted / renewed credit limits for notified crops during the crop season.
  • Other such farmers that the government may decide to include from time to time.

Voluntary Coverage: Voluntary coverage can be availed by all farmers not covered above, including crop KCC / crop loan account holders whose credit limit has not been renewed.

Risks covered under the scheme

  • Yield loss (crops, depending on the proposed area). Extensive risk insurance is provided to cover yield losses due to preventable hazards such as natural fires and lightning, storms, hailstorms, hurricanes, hurricanes, hurricanes, hurricanes, tornadoes. Risks due to floods, floods and landslides, droughts, droughts, pests / diseases will also be covered.
  • In cases where most of the insured farmers of the notified area intend to sow / cultivate and incur expenses for this purpose, are prevented from sowing / planting the insurance crop due to adverse weather conditions, they will be eligible for maximum compensation claim. 25 per cent of the sum insured.
  • In post-harvest losses, the crop will have coverage available for a maximum of 14 days from harvest which is kept in “cut and spread” condition for drying in the field.
  • For certain local problems, damage / loss due to occurrence of local hazards affected by hail, landslides and floods affecting separate farms in the proposed area will also be covered.

Unit of insurance

Mukhya Mantri Kisan Sahay Yojana

The scheme is implemented on ‘area approach basis’ i.e. with the assumption of areas designated for each notified crop for widespread disasters that all insured farmers in the insurance unit are defined as “notified area” for the crop, facing equal hazardous exposure, to a large extent. To suffer, equal production costs per hectare, earn comparable farm income per hectare, and experience the same extent of crop loss due to insurance risk in the notified area.

The defined area (i.e., unit area of ​​insurance) is the village / gram panchayat level which is also called for major crops and for other crops it may be a unit of size above the village / gram panchayat level. Over time, the unit of insurance may become a region with a homogeneous / geographic / geographic map outlining the homogeneous risk for the proposed crop.

For the risks of local disasters and post-harvest losses due to the prescribed risk, the unit of insurance for assessing the damage will be the individual farmer’s affected insurance area.

Calendar of activity





Loaning period (loan sanctioned) for Loanee farmers covered on Compulsory basis.

April to July

October to December

Cut-off date for receipt of Proposals of farmers (loanee & non-loanee).

31 July

31st December

Cut-off date for receipt of yield data

Within a month from final harvest

Within a month from final harvest


How to apply

PMFBY apply Online

Farmers can apply online for Crop Insurance at the link

To calculate the insurance premium payable, click here

How to report crop loss and claim insurance

The farmer can report crop loss within 72 hours of occurrence of any event through the Crop Insurance App, CSC Centre or the nearest agriculture officer. Claim benefit is then provided electronically into the bank accounts of eligible farmer.

  • Revised operational guidelines for Pradhan Mantri Fasal Bima Yojana (PMFBY)
  • Revised operational guidelines for Pradhan Mantri Fasal Bima yojana (PMFBY)

The government has changed the working guidelines for Pradhan Mantri Fasal Vima Yojana (PMFBY) which is coming into effect from October 1, 2018.

New provisions in PMFBY's operational guidelines

Provision of Penalties / Incentives for States, Insurance Companies (ICs) and Banks i.e. 12% interest rate paid by the insurance company to farmers for delay in settlement claims for more than two months from the prescribed cutoff date. Similarly, the State Government will have to pay 12% interest rate in case of delay of State share of subsidy after three months from the date of submission of cut off / demand prescribed by the insurers.

  • Detailed SOPs and their de-empanelment for performance evaluation of ICs
  • Inclusion of perennial horticultural crops (on a pilot basis) under PMFBY. (PMFBY OGs envisage coverage of food and oilseed crops and annual commercial and horticultural crops)
  • Post-crop losses include hail, in addition to non-seasonal and cyclonic rainfall
  • In addition to hail, landslides and waterlogging, local disasters include cloudbursts and natural fires.
  • Add coverage for crop damage due to wildlife attacks on a pilot basis, additional financial responsibilities of this provision will be borne by the concerned state government.
  • Aadhaar number mandatory capture-this will help in d-duplication
  • Target for coverage for ICs especially non-lending farmers (10% growth).
  • Definition of main crops for clarity and proper coverage, non-seasonal rainfall and waterlogging
  • Rationalization of Premium Release Process: Release of Upfront Premium Subsidy based on GOI / State Subsidy at the beginning of the season based on 50% of 80% of the total shares of the corresponding season of the previous year. Balance premium and final installment based on the business statistics approved on the portal after the settlement of the entire coverage data.
  • States allowed the decision to include crops with higher premiums for the calculation and instruction of L1.
  • Rationalization of the method for calculating TY
  • Moving average of 5 out of 7 to calculate claim amount.
  • Settlement of claims without waiting for the second installment of final subsidy (sowing is stopped for mid-season adversity / local claims).
  • Yield-based claims are determined on the basis of subsidies granted on provisional business data.
  • Separate budget allocation for administrative expenses (at least 2% of the plan budget).
  • Seasonal discipline according to comprehensive activity has a timeline set for all major activities to streamline the coverage process, submit yield data, and resolve claims early.
  • District wise crop calendar (for major crops) to determine the cutoff date for registration.
  • Extended time for renaming the crop for insurance - 2 days before the cutoff date for registration instead of the previous provision of 1 month before the cutoff date.
  • More time for individual claims to the insured farmer - 72 hours (instead of 48 hours) through any stakeholders and directly on the portal.
  • Timeline for Rocky Sowing Declaration
  • Detailed SOP for dispute resolution of yield data / crop loss.
  • Add in detailed SOP products for claims estimates i.e. mid-season adversity, stopped / failed sowing, post-harvest losses and local claims
  • Detailed SOP for area improvement factor
  • Detailed SOP for multi picking crop.
  • Detailed plan for publicity and awareness - Fixed cost - 0.5% of total premium per company per season
  • Use of RST in Clustering / Risk Classification.
  • Penalties / Incentives for States, ICs and Banks
  • Performance evaluation of ICs and their de-empanelment.

Comparison with previous schemes

Sr. No






PM Crop Insurance Scheme


Premium rate



Lower than even NAIS (Govt to contribute 5 times that of farmer)


One Season – One Premium





Insurance Amount cover





On Account Payment





Localised Risk coverage


Hail storm, Land slide

Hail storm, Land slide, Inundation


Post Harvest Losses coverage


Coastal areas - for cyclonic rain

All India – for cyclonic + unseasonal rain


Prevented Sowing coverage





Use of Technology (for quicker settlement of claims)








Yes (target to double coverage to 50%)


Check Pradhan Mantri Fasal Bima Yojana 2021 Application Status Online

  • Firstly, visit the official PMFBY portal
  • On the homepage, click on the link “Application Status – Know Your Application Status at Each Step” as shown in the figure

How to apply for Pradhan Mantri Fasal Bima Yojana 2021?

  • Go to the official website.
  • Click on Farmers Corner.
  • Farmers already registered can proceed for enrollment under PMFBY.
  • New farmers will have to register by filling the registration form

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