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How to Apply for PM Fasal Bima Yojana PMFBY 2026

PMFBY crop insurance - 2% Kharif premium covers all crop loss from natural causes.

📁 Schemes ⏱️ 15-20 mins 💰 1.5-5% premium

About This Guide

PMFBY 2016 comprehensive crop insurance. Premium: 2% Kharif, 1.5% Rabi, 5% commercial. Covers prevented sowing, mid-season adversity, post-harvest losses, localized perils. Govt subsidizes balance.

Eligibility Criteria

Indian farmer
Cultivable land in notified area
Notified crop
Voluntary for non-KCC
Compulsory for KCC holders
Tenant farmers eligible

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

Aadhaar
Bank account
Land documents (Khasra)
Sowing certificate
Tenancy agreement (sharecroppers)
Mobile
KCC details if applicable

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Visit Portal

pmfby.gov.in.

Choose Mode

Loanee (KCC): auto-enrolled. Non-loanee: voluntary.

Apply Online

Click Farmer → Apply.

Aadhaar Verification

OTP-based.

Fill Application

Land, crop, area, season.

Pay Premium

1.5-5% online. Govt subsidy adjusted.

Get Policy

SMS confirmation.

During Loss

Inform within 72 hours.

Settlement

Based on Crop Cutting Experiments. DBT.

Key Benefits

Comprehensive crop insurance
Premium 2% Kharif/1.5% Rabi
Govt heavy subsidy
Natural calamities, pests, diseases
Pre-sowing to post-harvest
DBT settlement
Localized perils covered

What Happens After Application?

Premium paid. Policy active for season. Inform losses immediately. CCE-based assessment. Settlement 30-90 days post-harvest.

Frequently Asked Questions

Loanee vs non-loanee?

Loanee (KCC): compulsory auto-enrollment. Non-loanee: voluntary, must apply separately.