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What is Pradhan Mantri Fasal Bima Yojana

Today we are going to talk about Pradhan Mantri Fasal Bima Yojana, many farmer brothers of India do not know about what is crop insurance scheme and how to take advantage of it, so today we are going to tell you complete information about it. If you do not have complete information about the scheme launched by the Prime Minister, then you should read our article completely so that you can get complete information about it.

Today we are going to tell you the information related to the Pradhan Mantri Fasal Bima Yojana in this article, many people do not have complete information about what it is and how to apply it, what kind of benefits can we get in this, so today's This article of ours has been written to give you information related to this so that you can get complete information about PMFBY.


We all know that every year somewhere or the other, farmers suffer heavy losses due to natural calamities etc. That farmer takes out all the expenses on his crop, in such a situation, if his crop gets spoiled, he would have to face many problems, due to which the government has started this scheme to benefit the farmers in such situations.


What is Pradhan Mantri Fasal Bima Yojana?


What is Pradhan Mantri Fasal Bima Yojana


First of all, let us tell you what is Pradhan Mantri Fasal Bima Yojana because most people do not know about it, then you all know that farmer is the only person who can do farming and the same if we talk about India. So here more than 70% of people are farmers, who earn their living by farming day and night.

We all find their life easy because we see them outside, but there are many types of fears and thoughts in their hearts and minds, from which we are all oblivious, today farmers feed all the living beings of the whole country, but very It is a pity that even after so many years of independence of our country, farmers are still compelled to commit suicide and we all often hear and see about it.


After independence, you all know that different governments were formed by many parties, but no government could do such a thing that the farmers could get good and maximum benefits, but in 2016 the Government of India gave a very big gift to the farmers. Due to this, there was a wave of happiness among the farmers, and that scheme was Pradhan Mantri Fasal Bima Yojana.


As you all know that the biggest crisis for farmers is natural calamity because it completely ruins the crop of the farmers, which is related to many expectations of the farmers, so to give security of the crop to the farmers, the government has given the crop. An insurance scheme was started so that farmers could get compensation from the government in case of such loss.


Benefits of crop insurance scheme


The Prime Minister's Fasal Bima Yojana was started for many special purposes, we are telling you about some of its main benefits so that you can get the benefit of it.


This scheme was launched by Prime Minister Narendra Modi on January 13, 2016, under this, farmers have to insure it within ten days of sowing the crop and if there is any damage to their crop due to flood or rain or hail and other natural calamities. Farmers are given the benefit of insurance.


A farmer may or may not have his farm, but if he cultivates, then he can get this insurance and compensation for the damage caused by any natural calamity or natural calamities like flood, rain, hail, drought or storm etc. can obtain.


It has also been laid in this that it is mandatory to get your insurance within 10 days of the harvest and after 14 days of harvesting, if the crop is damaged due to rain or any natural calamity, then the farmer will get the insurance money.


In case of crop failure, the farmer has to inform the insurance company. If for some reason the farmer is not able to contact the insurance company, then he can also inform any nearest bank or official.


Information related to crop insurance scheme


Now we are telling you some very important information about it, of which you need to be aware.


  • In this scheme, there is no upper limit on government subsidy and the remaining premium is up to 90%, which is borne by the government.
  • The remaining premium will be given to the insurance company by the government, which will be shared equally between the central and state governments.
  • The premium rate of this scheme has been kept very low so that any farmer can easily bear its instalment.
  • This scheme will also work psychologically for the benefit of the farmers.
  • Keep in mind that human-made disasters like fire,You will not get compensation for damage caused by theft, burglary etc.
These are all important things about which you need to know so that you do not have any kind of problem later.


Main Objectives of Pradhan Mantri Kisan Yojana


Along with starting this scheme, the government has also set various objectives, due to which farmers can get the maximum benefit from the government and more and more farmers can join this scheme. like.


If there is any loss in any type of crop due to natural calamity or due to insect or disease etc., then under this scheme the farmers will get insurance.

provide cover and financial assistance

To provide a permanent income to the farmers to keep the farmers engaged in agriculture and to bring growth to agriculture.

To encourage the farmers of the country to adopt modern methods

The main objectives of starting this scheme were to ensure the availability of credit in the state.

These were the main objectives of starting the Pradhan Mantri Fasal Bima Yojana, which all farmers should know.


Documents Required for Pradhan Mantri Fasal Bima Yojana


If you want to apply to this scheme and want to take advantage of this scheme, then you must have some necessary documents only then you can apply to this scheme.


  1. I'd card of the applicant (Aadhar card, PAN card, Identity card, Driving license etc.)
  2. Address Proof (Electricity Bill, Aadhar Card, Identity Card, Passport etc.)
  3. Latest passport photo of the applicant
  4. If you have a farm, keep its account number and measles number with you.
  5. You have to give proof that you have sown in the field, for this you can write a letter from Patwari, Sarpanch, Gram Sevak etc. For proof.
  6. If you are cultivating another's farm on rent, then you must take a photocopy of the agreement with the owner of the farm for that.
  7. Take a cancelled check of your bank account, this will give you the amount directly in the bank if there is a loss in the crop.
If you want to take advantage of this scheme, then you need to have all these documents, if you have these documents then you will be able to take advantage of this scheme.


How to apply in PMFBY


If you want to apply in this scheme, then you can apply in 2 ways, in this, you can apply both online and offline.


If you want to apply offline, then you have to contact any nearest bank branch, there you get complete information about it so that you can get information about this scheme, after that you will get a form from there. It has to be filled, after that, you will be able to take advantage of this scheme.


If you want, you can also apply for this scheme online, for this you have to first go to the official website of PMFBY, after that, you will get complete information about this scheme on this website, in that you have to click on the option of apply online. After that you will be asked to fill in some important information, there you have to fill in the information asked and there you have to upload all the documents that are asked from you, in this way you can also apply online in it.


Friends, you can easily apply for the Prime Minister's Fasal Bima Yojana through our mentioned method and can take advantage of this scheme. You must have understood the information about how to do it and what documents you need to have to apply for it.


Conclusion - If you want to ask any other questions about PMFBY, then you can tell us through comment, we will be happy to answer your questions and if you like the information, then share it with your friends. Get information about this.