What is PM Fasal Bima?
Pradhan Mantri Fasal Bima Yojana insures a farmer's crop against natural calamities, pests and disease at a premium the farmer barely feels — 1.5% to 5% of the sum insured, with the government picking up the rest of the actuarial cost. Launched in 2016 to replace older, less generous crop insurance schemes, PMFBY enrols loanee farmers automatically the moment their bank disburses a crop loan, so most farmers with institutional credit don't have to apply at all unless they choose to opt out; non-loanee and tenant farmers register separately, either online at pmfby.gov.in or through the nearest Common Service Centre. When a notified crop fails from calamity, pest attack or disease, the assessed compensation is credited straight to the farmer's linked bank account.
PM Fasal Bima — Quick Overview
| Scheme Name | PM Fasal Bima Yojana — Crop Insurance Scheme |
| Launched By | Government of India |
| Launch Year | 2016 |
| Benefit | Crop loss compensation with premium as low as 1.5% to 5% of sum insured |
| Category | Agriculture |
| Last Verified | 1 June 2026 |
| Official Portal | https://pmfby.gov.in |
Benefits of PM Fasal Bima
Crop loss compensation with premium as low as 1.5% to 5% of sum insured
Who is Eligible for PM Fasal Bima?
- ✓All farmers growing notified crops
- ✓Both loanee and non-loanee farmers
- ✓Sharecroppers and tenant farmers also eligible
Documents Required for PM Fasal Bima
How to Apply for PM Fasal Bima Online?
- 1Loanee farmers (with crop loans) are automatically enrolled by their bank at loan disbursal; no separate application needed unless opting out.
- 2Non-loanee and tenant farmers register online at pmfby.gov.in or through the nearest Common Service Centre.
- 3Submit land records (Khasra/Khatauni) as proof of the land and crop being cultivated.
- 4Provide a sowing certificate confirming the notified crop sown that season.
- 5Attach Aadhaar Card and bank passbook so any claim payout can be credited directly.
- 6Pay only the low premium share — 1.5% to 5% of sum insured — at the bank, CSC, or insurer before the cut-off date.
- 7On crop loss from natural calamities, pests, or disease, compensation is assessed and credited to the linked bank account.
Official Government Portal
Applications go through pmfby.gov.in only. Applying is free of charge — no agent, middleman or "consultant" is ever required.
🔗Apply on pmfby.gov.inReal-Life Examples — Are You Eligible for PM Fasal Bima?
See which of these applicant profiles is closest to your case:
Mahesh, a farmer growing a notified Kharif crop on his own land who has taken a crop loan (loanee farmer)
Eligible — the scheme covers all farmers growing notified crops, including loanee farmers
Saroj, a non-loanee farmer who grows a notified crop and enrols voluntarily with her land records and sowing certificate
Eligible — both loanee and non-loanee farmers growing notified crops are eligible
Imran, a tenant farmer cultivating leased land sown with a notified crop
Eligible — sharecroppers and tenant farmers are explicitly eligible
Dinesh, who grows a crop that has not been notified by his state for the season
Not eligible — cover is only for notified crops — an un-notified crop is not insured under the scheme
Anil, who applies but cannot provide a sowing certificate or land records for the insured plot
Not eligible — the required land records and sowing certificate are needed to validate the insured crop and area
Sample profiles, not guarantees — recheck the notified criteria before you apply.
Common Mistakes — Why PM Fasal Bima Applications Get Rejected
- ✗Reporting crop loss after the 72-hour window — late intimation can lead to the claim being rejected.
- ✗Insuring a crop that is not notified by the state for that season, so no cover applies.
- ✗Missing the sowing certificate or land records (Khasra/Khatauni) needed to validate the insured area.
- ✗Aadhaar not linked to the bank account, so the compensation cannot be paid through DBT.
- ✗Enrolling through an unofficial agent or fake site instead of the official pmfby.gov.in portal, the PMFBY app, or your bank.
Insider Tips for PM Fasal Bima
- →Enrol before the cut-off date for the Kharif or Rabi season — late enrolment is not accepted for that crop cycle.
- →Report any crop loss within 72 hours through the PMFBY app, portal or the insurer's helpline so your claim is registered in time.
- →Keep your land records and sowing certificate ready and matching your Aadhaar details before applying.
- →Make sure your bank account is Aadhaar-linked and active so compensation reaches you directly.
- →Use the official portal, app or your bank — enrolment is free for non-loanee farmers beyond the small premium, so never pay an agent.