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    Pradhan Mantri Fasal Bima Yojana (PMFBY)

    The Pradhan Mantri Fasal Bima Yojna (PMFBY) was introduced on 14th January 2016, in a move aimed at reducing agricultural distress and farmer’s welfare without having to affect hefty hikes in the Minimum Support Prices (MSP) of agricultural products prices due to Monsoon fluctuations induced risks. The PMFBY Scheme operates on the basis of ‘Area Approach’ i.e., Defined Areas for each notified crop for widespread calamities.

     

    Product UIN- IRDAN108P0001V01 201617

     

    Contact details

    Toll Free Number- 1800-209-3536

    e-mail : customersupport@tataaig.com

    Uttar Pradesh-UP.CropclaimIntimation@tataaig.com;

    Telangana- Telangana.CropclaimIntimation@tataaig.com

    Rajasthan- Rajasthan.CropclaimIntimation@tataaig.com

    PAN India- CropClaimIntimation@tataaig.com

     

    Click here for policy wording of Pradhan Mantri Fasal Bima Yojana

    Click here for Operational Guidelines of PMFBY

    For Operational Guidelines of PMFBY, please visit https://pmfby.gov.in/guidelines

    For more information and to buy Crop Insurance, visit Govt. of India website of Pradhan Mantri Fasal Bima Yojana- https://pmfby.gov.in/

     

     

    Have Us Call You!
    Or You Can Contact Us on Our Toll Free No: 1800-266-7780

    • Coverage of Risks and Exclusions

      •  

        Following stages of the crop risks leading to crop loss are covered under the Scheme.

        • Prevented Sowing/Planting/Germination Risk:

        Insured area is prevented from sowing/ planting/germination due to deficit rainfall or adverse weather conditions.

         

        • Standing Crop:

        Comprehensive risk insurance is provided to cover yield losses due to non-preventable risks, viz. Drought, Dry spell, Flood, Inundation, Pests and Diseases, Landslides, Fire due to natural causes , Lightening, Storm, Hailstorm and Cyclone

        • Post-Harvest Losses:

         Coverage is available only upto a maximum period of two weeks from harvesting, for those crops which are required to be dried in cut and spread condition in the field after harvesting against specific perils of cyclone, cyclonic rains and unseasonal rains.

         

        • Localized Calamities

         Loss/damage to notified insured crops resulting from occurrence of identified localized risks of hailstorm, landslide, inundation, cloud burst and natural fire due to lightening affecting isolated farms in the notified area.

         

      • Farmer coverage

        • All farmers having been sanctioned Seasonal Agricultural Operations (SAO) loans from Financial Institutions (i.e. loanee farmers) for the notified crop(s) season would be covered compulsorily.
        • The Scheme is optional for non-loanee farmers.
    • Premium Rates and Premium Subsidy

      >

      • Premium rate is subsidized by Centre & State Govt. Farmer pays a very small fixed premium rate as per table below-

         

        Season

        Crops

        Maximum Premium payable by farmer (% of Sum Insured)*

        Kharif

        All food grain and Oilseeds crops (all Cereals, Millets, Pulses and Oilseeds crops)

        2.0% of SI or Actuarial rate, whichever is less

        Rabi

        All food grain and Oilseeds crops (all Cereals Millets, Pulses and Oilseeds crops)

        1.5% of SI or Actuarial rate, whichever is less

        Kharif and Rabi

        Annual Commercial/ Annual Horticultural crops

        5% of SI or Actuarial rate, whichever is less

         

      • District and Crop Coverage Kharif-2018
        Rajasthan Ajmer Black Gram (Urad)
        Rajasthan Cotton (Kapas)
        Rajasthan Cowpea
        Rajasthan Green Gram (Moong)
        Rajasthan Groundnut (Pea Nut)
        Rajasthan Guar
        Rajasthan Maize (Makka)
        Rajasthan Pearl Millet (Bajra)
        Rajasthan Sesame (Gingelly/Til)/Sesamum
        Rajasthan Sorghum (Jowar/Great Millet)
        Rajasthan Banswara Black Gram (Urad)
        Rajasthan Cotton (Kapas)
        Rajasthan Maize (Makka)
        Rajasthan Paddy (Dhan)
        Rajasthan Pigeon Pea (Red Gram/Arhar/Tur)
        Rajasthan Soybean (Bhat)
        Rajasthan Barmer Green Gram (Moong)
        Rajasthan Groundnut (Pea Nut)
        Rajasthan Guar
        Rajasthan Moth Bean (Kidney Bean/ Deww Gram)
        Rajasthan Pearl Millet (Bajra)
        Rajasthan Sesame (Gingelly/Til)/Sesamum
        Rajasthan Sorghum (Jowar/Great Millet)
        Rajasthan Bharatpur Cotton (Kapas)
        Rajasthan Guar
        Rajasthan Paddy (Dhan)
        Rajasthan Pearl Millet (Bajra)
        Rajasthan Sesame (Gingelly/Til)/Sesamum
        Rajasthan Sorghum (Jowar/Great Millet)
        Rajasthan Jalor Green Gram (Moong)
        Rajasthan Groundnut (Pea Nut)
        Rajasthan Guar
        Rajasthan Moth Bean (Kidney Bean/ Deww Gram)
        Rajasthan Pearl Millet (Bajra)
        Rajasthan Sesame (Gingelly/Til)/Sesamum
        Rajasthan Sorghum (Jowar/Great Millet)
        Rajasthan Jhunjhunu Cotton (Kapas)
        Rajasthan Cowpea
        Rajasthan Green Gram (Moong)
        Rajasthan Groundnut (Pea Nut)
        Rajasthan Guar
        Rajasthan Moth Bean (Kidney Bean/ Deww Gram)
        Rajasthan Pearl Millet (Bajra)
        Rajasthan Karauli Guar
        Rajasthan Paddy (Dhan)
        Rajasthan Pearl Millet (Bajra)
        Rajasthan Sesame (Gingelly/Til)/Sesamum
        Rajasthan Kota Black Gram (Urad)
        Rajasthan Maize (Makka)
        Rajasthan Paddy (Dhan)
        Rajasthan Sesame (Gingelly/Til)/Sesamum
        Rajasthan Sorghum (Jowar/Great Millet)
        Rajasthan Soybean (Bhat)
        Rajasthan Nagaur Cotton (Kapas)
        Rajasthan Cowpea
        Rajasthan Green Gram (Moong)
        Rajasthan Groundnut (Pea Nut)
        Rajasthan Guar
        Rajasthan Moth Bean (Kidney Bean/ Deww Gram)
        Rajasthan Pearl Millet (Bajra)
        Rajasthan Sesame (Gingelly/Til)/Sesamum
        Rajasthan Sorghum (Jowar/Great Millet)
        Rajasthan Sawai Madhopur Black Gram (Urad)
        Rajasthan Groundnut (Pea Nut)
        Rajasthan Guar
        Rajasthan Paddy (Dhan)
        Rajasthan Pearl Millet (Bajra)
        Rajasthan Sesame (Gingelly/Til)/Sesamum
        Rajasthan Soybean (Bhat)
        Rajasthan Udaipur Black Gram (Urad)
        Rajasthan Groundnut (Pea Nut)
        Rajasthan Guar
        Rajasthan Maize (Makka)
        Rajasthan Paddy (Dhan)
        Rajasthan Sorghum (Jowar/Great Millet)
        Rajasthan Soybean (Bhat)
        UP Allahabad Paddy (Dhan)
        UP Pearl Millet (Bajra)
        UP Pigeon Pea (Red Gram/Arhar/Tur)
        UP Sorghum (Jowar/Great Millet)
        UP Amroha Black Gram (Urad)
        UP Maize (Makka)
        UP Paddy (Dhan)
        UP Pearl Millet (Bajra)
        UP Azamgarh Maize (Makka)
        UP Paddy (Dhan)
        UP Pigeon Pea (Red Gram/Arhar/Tur)
        UP Etawah Maize (Makka)
        UP Paddy (Dhan)
        UP Pearl Millet (Bajra)
        UP Pigeon Pea (Red Gram/Arhar/Tur)
        UP Ghaziabad Paddy (Dhan)
        UP Pigeon Pea (Red Gram/Arhar/Tur)
        UP Ghazipur Maize (Makka)
        UP Paddy (Dhan)
        UP Pearl Millet (Bajra)
        UP Sorghum (Jowar/Great Millet)
        UP Hardoi Black Gram (Urad)
        UP Groundnut (Pea Nut)
        UP Maize (Makka)
        UP Paddy (Dhan)
        UP Pearl Millet (Bajra)
        UP Pigeon Pea (Red Gram/Arhar/Tur)
        UP Sesame (Gingelly/Til)/Sesamum
        UP Sorghum (Jowar/Great Millet)
        UP Kanpur Dehat Black Gram (Urad)
        UP Maize (Makka)
        UP Paddy (Dhan)
        UP Pearl Millet (Bajra)
        UP Pigeon Pea (Red Gram/Arhar/Tur)
        UP Sesame (Gingelly/Til)/Sesamum
        UP Sorghum (Jowar/Great Millet)
        UP Mahrajganj Groundnut (Pea Nut)
        UP Paddy (Dhan)
        UP Mathura Paddy (Dhan)
        UP Pearl Millet (Bajra)
        UP Pigeon Pea (Red Gram/Arhar/Tur)
        UP Moradabad Black Gram (Urad)
        UP Paddy (Dhan)
        UP Pearl Millet (Bajra)
        UP Rampur Black Gram (Urad)
        UP Paddy (Dhan)
        UP Pearl Millet (Bajra)
        UP Shahjahanpur Black Gram (Urad)
        UP Groundnut (Pea Nut)
        UP Maize (Makka)
        UP Paddy (Dhan)
        UP Pearl Millet (Bajra)
        UP Sesame (Gingelly/Til)/Sesamum
        TELANGANA Jagtial Green Gram (Moong)
        TELANGANA Maize (Makka) - RF
        TELANGANA Paddy (Dhan)
        TELANGANA Pigeon Pea (Red Gram/Arhar/Tur)
        TELANGANA Rice
        TELANGANA Soybean (Bhat) - RF
        TELANGANA Turmeric
        TELANGANA Jangaon Green Gram (Moong)
        TELANGANA Maize (Makka) - RF
        TELANGANA Paddy (Dhan)
        TELANGANA Pigeon Pea (Red Gram/Arhar/Tur)
        TELANGANA Rice
        TELANGANA Karimnagar Maize (Makka) - RF
        TELANGANA Paddy (Dhan)
        TELANGANA Rice
        TELANGANA Peddapalli Maize (Makka) - RF
        TELANGANA Paddy (Dhan)
        TELANGANA Rice
        TELANGANA Rajanna Maize (Makka) - RF
        TELANGANA Paddy (Dhan)
        TELANGANA Rice
      • Enrolment Sources
        Through Banks
        Through CSCs
        Direct Online
        Through Intermediares
        Through Government (PMFBY) Portal ( Direct enrolment)
        Through Insurance Companies
    • Technology Uses & Farmer Awareness

      >

      • Technology Driven

        In an endeavor to integrate Technology in implementation and execution of the Scheme, the Govt. of India has designed and developed a National Crop Insurance Portal. States Govt and Insurance companies are using technology, such as satellite and UAV remote sensing, for various applications such as resolution of area discrepancy and yield disputes and also promote the use of remote sensing and other related technology for Crop Cutting Experiment planning, Yield estimation, loss assessment, assessment of prevented sowing and clustering of districts.

         

        TATA AIG is also utilizing technology in detecting and reducing farmer frauds through remote sensing based plot level crop mapping and regular on field crop monitoring which is helping in building a knowledge base about the PMFBY risk elements.

         

         

         

      • Increased Farmer Awareness

         

        TATA AIG has been working towards employing innovative ways of creating awareness about Pradhan Mantri Fasal Bima Yojana so that increased number of farmers can be enrolled and get the benefits of the scheme.

        Some of the activities include- displaying banners, Posters, wall paintings in villages ,Movie on wheels displaying benefits of PMFBY, newspaper advertisements, etc.

      • Business Statistics

        Insurance Company

        Season

        Year

        State

        No. of Farmers Insured

        Paid Claims (Lakhs)

        Tata AIG

        Kharif

        2016

        Bihar

        208712

        2672

        Tata AIG

        Kharif

        2016

        Karnataka

        657458

        48301

        Tata AIG

        Kharif

        2017

        Odisha

        713750

        42743

        Tata AIG

        Kharif

        2017

        Uttar Pradesh

        393844

        5559

        Tata AIG

        Rabi

        2017-18

        Karnataka

        257

        1.1

        Tata AIG

        Rabi

        2017-18

        Uttar Pradesh

        425268

        2209

         

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