Pradhan Mantri Fasal Bima Yojana (PMFBY)
Insurance against crop loss from drought, flood, hail, pests and more, for a capped premium.
India · Farmers · Checked October 2026
At a glance
- Farmer premium: kharif
- At most 2% of the sum insured (foodgrain and oilseed)
- Farmer premium: rabi
- At most 1.5% of the sum insured (foodgrain and oilseed)
- Commercial and horticultural crops
- At most 5%
- Government share
- The rest of the premium, split 50:50 between Centre and state (90:10 in North-Eastern and Himalayan states)
- Prevented sowing
- Claims up to 25% of the sum insured
- Post-harvest losses
- Covered for up to 14 days on crops left to dry in the field
- Where it runs
- 25 states and UTs in Kharif 2026
Who can apply
- Farmers with an insurable interest in the crop, including tenant farmers and sharecroppers, subject to the land or tenure papers your state requires.
- Loanee farmers (active crop loan or KCC) are enrolled through their bank. Non-loanee farmers can enrol voluntarily.
How to apply
- Enrol through your bank, a Common Service Centre or the official PMFBY website or app, before your state's cut-off date for the crop.
- Pay the premium and keep the receipt and policy number.
- If your crop is damaged, report the loss immediately and ask your bank or the insurer for the exact reporting window on your policy.
Documents you usually need
- Aadhaar
- Land or tenancy papers
- Bank account details
- Details of the crop sown
Go to PMFBY official website ↗
Things to know
- Bihar has decided to implement PMFBY again from the Rabi 2026–27 season. We could not find an official Bihar notification of the rabi enrolment dates, so none are listed. Ask your bank, CSC or district agriculture office.
- Not covered: war, nuclear risks, riots, theft, negligence and other preventable risks, losses outside the crop's life cycle, and crops in areas not notified for that season.
- A missed cut-off date means no cover for that season.
Frequently asked questions
What is PM Fasal Bima Yojana?
Pradhan Mantri Fasal Bima Yojana (PMFBY): Crop insurance where the farmer pays at most 1.5% to 5% of the sum insured and the government pays the rest.
Who is eligible for PM Fasal Bima Yojana?
Farmers with an insurable interest in the crop, including tenant farmers and sharecroppers, subject to the land or tenure papers your state requires. Loanee farmers (active crop loan or KCC) are enrolled through their bank. Non-loanee farmers can enrol voluntarily.
What do you get under PM Fasal Bima Yojana?
Insurance against crop loss from drought, flood, hail, pests and more, for a capped premium.
How do I apply for PM Fasal Bima Yojana?
Enrol through your bank, a Common Service Centre or the official PMFBY website or app, before your state's cut-off date for the crop. Pay the premium and keep the receipt and policy number. If your crop is damaged, report the loss immediately and ask your bank or the insurer for the exact reporting window on your policy.
Read next
- Crop Damaged? How to Claim PMFBY Crop Insurance, Step by StepHail, flood or rain hit your insured crop? Which losses you must report within 72 hours, how to report them, and how the claim reaches your bank.
- Crop Insurance for Bihar Farmers: PMFBY Returns From Rabi 2026–27Bihar is rejoining PM Fasal Bima Yojana from Rabi 2026–27. What it covers, what a farmer pays, who can enrol, and what we could not confirm.
- Money Guide for Bihar Farmers: Schemes, Loans, Insurance and Savings (2026)A plain-language guide for Bihar farmers: PM-KISAN, Kisan Credit Card loans, crop insurance, pension and safe places to save, with official sources.
Sources
Details checked on October 2026 against:
General information from official sources, not legal or financial advice. SaveItIndia is not a government website. Schemes change, so confirm amounts, dates and eligibility on the official portal or with your bank before you apply.