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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.

     

    Click on the below State pages for further details 

     

    PMFBY Kharif & Rabi States: Rajasthan     Telangana     UP     Maharashtra

     

    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 Customer Grievance Redressal Policy

    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 209 3536

    • General Information and Marketing

      • Objective

        It aims at supporting sustainable production in agriculture sector.

         

        • Providing financial support to farmers suffering crop loss/damage arising out of unforeseen events
        • Stabilizing the income of farmers to ensure their continuance in farming
        • Encouraging farmers to adopt innovative and modern agricultural practices
        • Ensuring flow of credit to the agriculture sector, which will contribute to food security, crop diversification and enhancing growth and competitiveness of agriculture sector besides protecting farmers from production risks.
      • Crop Coverage

         

        The crops that are covered under the PMFBY scheme are mentioned as below.

         

        1. Food crops (Cereals, Millets and Pulses),
        2. Oilseeds
        3. Annual Commercial / Annual Horticultural crops.
      • Eligibility Criteria

         

        All farmers including sharecroppers and tenant farmers growing the notified crops in the notified areas are eligible for coverage. However, farmers should have insurable interest for the notified/insured crops.

         

        Compulsory component-

        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.

         

        Voluntary Component

        The Scheme is optional for non-loanee farmers.

      • 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.

      • General Exclusions:

         

        Losses arising out of war and nuclear risks, malicious damage and other preventable risks shall be excluded.

      • . Premium Rates and Premium Subsidy

         

        A low farmer premium rate is charged and subsidy is provided by State & Central Govt. The rate of premium payable by the farmer will be as per the following table:

         

        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

      • Adoption of Technology-

         

        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 adopt the 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.

      • Increased Farmer Awareness

         

        To increase the farmer coverage under this PMFBY scheme, efforts are made to create farmer awareness by using various marketing techniques so that maximum number of farmers can enroll and avail benefits of the scheme.

         

        Click to know more about Krishi Kalyan Abhiyan Phase II marketing & awareness programme.

      • Marketing Collaterals

         

        For Uttar Pradesh

         

        Uttar Pradesh Rabi 2018-19 - Allahabad

        Uttar Pradesh Rabi 2018-19 - Shahjahanpur

        Uttar Pradesh Rabi 2018-19 - Amroha

        Uttar Pradesh Rabi 2018-19 - Maharajganj

        Uttar Pradesh Rabi 2018-19 - Mathura

         

        For Rajasthan

         

        Rajasthan Rabi 2018-19 - Sirohi

        Rajasthan Rabi 2018-19 - Kota

        Rajasthan Rabi 2018-19 - Jalore

        Rajasthan Rabi 2018-19 - Ajmer

         

    • Enrolment Process

      >

      • Enrolment Sources
        Through Banks
        Through CSCs
        Direct Online
        Through Intermediares
        Through Government (PMFBY) Portal ( Direct enrolment)
        Through Insurance Companies

         

        Enrolment Process Flow


        Enrolment through Banks

         

        The loanee Farmers are enrolled only through banks as crop Insurance is mandatory for farmers availing seasonal crop loans through Kisan Credit Cards (KCC) .In case of non-loanee farmers, the farmers may voluntarily take the Insurance cover and can enroll themselves through banks. The Commercial banks, Co-operative banks and the Regional Rural Banks (RRBs) are involved in enrolling the farmers. The Farmer list is uploaded with required details in the PMFBY portal for both loanee and non-loanee farmers. In case of non-loanee farmers the bank needs to submit the hard copies of KYC documents along with the proposal forms. The Insurance companies download the farmers’ data from the portal and proceed with their respective procedures. The premium for loanee farmers is remitted against their agriculture loans and the non-loanee farmers pay their premium upfront.

      • Enrolment Through CSC (Common Service Centre ) and Intermediaries

         

        The enrolment for non-loanee farmers is done through CSC at the CSC centre or through designated channels, other authorized channel partners or insurance intermediaries, approved by the IRDA. The farmer’s KYC and insurance related documents verification is done, post verification, The CSCs and Insurance intermediaries collect requisite premium and remit individual/ consolidated premium to insurance company, accompanied by individual proposal forms and summary details in Declarations/ Listing sheet (MIS), provide soft copy to IA and details of each insured farmer and also upload the data directly to the crop insurance portal. The Insurance companies download the farmers’ data from the portal and proceed with their respective procedures. Documents like land record, sowing certificate, self declaration form etc are taken into account for enrolment based on the requisition by different enrolment sources.

      • Direct Enrolment by Farmer

         

        The non-loanee farmer may submit insurance proposals personally/ through post to insurance company with requisite premium. Non-loanee farmer can also avail insurance through PMFBY portal designed by Government. However, it is mandatory that non-loanee farmers, personally submitting proposals to insurance company or through crop insurance portal, should have insurable interest and submit necessary documentary evidence as proof (like print copy of application along with remittance of premium). Documents like land record, sowing certificate, self declaration form, Identity proof etc are taken into account for enrolment.

         

        For detailed enrollment process please refer operational guidelines.

    • Claims Process and Historical Coverage Details

      >

      • Claims Process

         

        The PMFBY scheme operates on an area based approach process and the lowest level of notified area is called the Insurance Unit. To determine the loss of crop, as per operational guidelines, CCE is mandatory and State Govt/UT need to ensure that minimum CCEs are planned and conducted for irrigated and un – irrigated crops separately in such areas.

        Following are the stages of crop and risks leading to crop loss which are covered under the scheme.

        Policy will be terminated post payment.

         

        Wide Spread Calamities

         

        If ‘Actual Yield’ per hectare of insured crop for the insurance unit (calculated on basis of requisite number of CCEs) in insured season, falls short of specified ‘Threshold Yield’ (TY), all insured farmers growing that crop in the defined area are deemed to have suffered shortfall of similar magnitude in yield. PMFBY seeks to provide coverage against such contingency.

        Claims shall be calculated at IU level as per the following formula:  

             

            (Threshold Yield – Actual Yield)

        _____________________________ X     Sum Insured

                   Threshold Yield

         

        Where Threshold Yield (TY) for a crop in a notified insurance unit is the average yield of best 5 years from past seven years of that season multiplied by applicable Indemnity Level for that crop

         

        Prevented Sowing

         

        Insurance cover will be provided to farmers in case of widespread incidence of eligible risks affecting crops in more than 75% of area sown in a notified unit at early stage, but not later than 15 days from cut off date for enrolment, leading to total loss of crop or the farmers are not in a position to either sow or transplant the crop.

        • Cover available for major crops only
        • Payment will be 25% of sum insured

         

        Mid-Season Adversity

         

        Insurance cover will be provided to the farmers to provide immediate relief in case of adverse seasonal conditions during the crop season viz. floods, prolonged dry spells, severe drought etc., wherein expected yield during the season is likely to be less than 50% of Normal Yield.

         

        Highlights

         

        • The quantum of likely losses and the amount of ‘on-account’ payment shall be decided based on the joint survey by Insurance Company and State Govt. officials.
        • Amount payable would be 25% of the likely claims, subject to adjustment against final claims.
        • If adversity occurs within 15 days before the normal harvest time, this provision will not be invoked.

         

        Loss Assessment Procedure

         

        On-Account payment would be calculated as per following formula:

         

                                            (Threshold Yield-Estimated Yield) 

                                      ___________________________________   × Sum Insured ×25%                                               

                                                        Threshold Yield

         

        Post Harvest Losses

         

        Provision has been made for assessment of yield loss on individual plot basis in case of occurrence of hailstorm, cyclone, cyclonic rains and unseasonal rains  resulting in damage to harvested crop lying in the field in ‘cut and spread’ / small bundled condition for drying up to maximum period of two weeks(14 days) from harvesting , for sole purpose of drying.

         

        Loss Assessment Procedure

         

        • Immediate intimation required (within 72 hours) by the insured farmer
        • Available for all crops damaged by specified perils, which are left in the field after harvesting in“cut and spread condition”/small bundled conditions for drying up to a period of 14 days from harvest. State Govt. shall also notify the normal harvesting period of each crop

         

        Localised Calamities

         

        The Scheme provided for insurance cover at individual farm level to crop losses due to occurrence of localized perils/ calamities viz. Hailstorm, Landslide, Inundation, Cloud burst and Natural fire due to lightening affecting part of a notified unit or a plot.

        For the purpose of indemnification of crop losses due to inundation as localised claim, Inundation is a situation where insured field is covered or submerged by water due to rise in water level by rainwater that has fallen naturally from the sky or from an artesian well or flood water locally and where water stays for prolonged period and causes visible damage to the crop.

         

        Highlights

         

        • Only those farmers would be eligible for financial support under this cover who have paid the premium/the premium has been debited from their account before occurrence of the insured peril
        • If the pay out under area approach (based on CCEs data) is more than localized losses, the higher claims of two will be payable to insured farmers
        • Percentage of loss would be arrived at by Insurance Company through requisite percentage of sample survey as decided by the Joint Committee of the affected area.

         

        Loss Assessment Procedure

         

        • Immediate intimation required (within 72 hours) by the insured farmer.
        • Intimation must contain details of survey number-wise insured crop and acreage affected.

         

      • Business Statistics / Historic Data:

         

        PMFBY

         

        Season State / UT No. of Farmers Insured Area Insured No. of farmers Benefitted agaisnt Approved Claims Claim Paid
        (In Lakhs)
        No. of farmers agaisnt paid Claims
        Kharif 2016 Bihar     2,08,712     1,76,307 17,174 2,677 17,174
        Kharif 2016 Karnataka     6,06,300     4,50,935 3,03,490 46,213 3,03,490
        Kharif 2017 Odisha     7,14,241     5,12,851 2,64,767 46,533 2,64,767
        Kharif 2017 Uttar Pradesh     3,94,975     3,42,190 64,279 6,025 64,279
        Rabi 2017-18 Karnataka 258 391 6 1 6
        Rabi 2017-18 Uttar Pradesh     4,29,956     3,48,515 19,139 2,320 19,139
        Kharif 2018 Rajasthan  13,83,592  15,72,623 - - -
        Kharif 2018 Telangana        76,591        73,880 - - -
        Kharif 2018 Uttar Pradesh     5,60,732     4,40,870 1,250 129 1,250

         

        RWBCIS

         

        Season State / UT No. of Farmers Insured Area Insured Claim Paid
        (In Lakhs)
        No. of farmers Benefitted agaisnt Approved Claims
        Kharif 2016 Karnataka 51158                23,046                  2,598                                                    33,054
        Kharif 2017 Uttar Pradesh 164                      155                        63                                                          163
        Kharif 2018 Maharashtra 68307                60,567                         -                                                               -  
        Kharif 2018 Telangana 4489                   3,913                         -                                                               -  
        Kharif 2018 Uttar Pradesh 182                      122                         -                                                               -  
      • District and Crop Coverage PMFBY Kharif - 2018

         

        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
        Maharashtra Akola Orange
        Maharashtra Satara Pomegranate
        Maharashtra Jalna Mosambi
        Maharashtra Pomegranate
        Maharashtra Guava
        Maharashtra Solapur Pomegranate
        Maharashtra Bid Orange
        Maharashtra Pomegranate
        Maharashtra Mosambi
        Maharashtra Sapota
        Maharashtra Buldana Orange
        Maharashtra Mosambi
        Maharashtra Guava
        Maharashtra Pomegranate
        Maharashtra Nagpur Orange
        Maharashtra Mosambi
        Maharashtra Palghar Sapota
        Maharashtra Pune Pomegranate
        Maharashtra Guava
        Maharashtra Sapota
        Maharashtra Sangli Pomegranate
        Maharashtra Guava
        Maharashtra Wardha Mosambi
        Maharashtra Orange

         

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