Crop insurance against loss from natural calamities, pests and diseases. The government pays the rest of the premium. The scheme continues for 2026-27, but only some States/UTs run it (25 in Kharif 2026), so check that yours does.
Amount / benefit: You pay at most 2% (Kharif), 1.5% (Rabi food crops and oilseeds) or 5% (commercial/horticulture crops) of the sum insured
Insurance cover on notified crops in notified areas; claims are paid into the farmer's bank account. Report localised crop loss quickly (within 72 hours) to the insurer, your bank or the agriculture office.
Farmers growing a notified crop in a notified area that season, including tenant farmers and sharecroppers. Enrolment is voluntary, also for farmers with crop loans. Deadlines are set by each state, per crop and season, so confirm the last date for your district before sowing is over.
Most farmer schemes accept applications through the year or in notified windows. Check the official portal for the current window.
Farmers growing a notified crop in a notified area that season, including tenant farmers and sharecroppers. Enrolment is voluntary, also for farmers with crop loans. Deadlines are set by each state, per crop and season, so confirm the last date for your district before sowing is over.
Insurance cover on notified crops in notified areas; claims are paid into the farmer's bank account. Report localised crop loss quickly (within 72 hours) to the insurer, your bank or the agriculture office. Amount: You pay at most 2% (Kharif), 1.5% (Rabi food crops and oilseeds) or 5% (commercial/horticulture crops) of the sum insured.
Aadhaar card, Bank account details / passbook, Land record, or tenancy / sharecropping agreement, Sowing declaration (the crop you actually sowed), Mobile number.
The official website is https://pmfby.gov.in (source: Department of Agriculture & Farmers Welfare, Government of India).