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PM Fasal Bima 2026: Eligibility, Benefits & How to Apply

Pradhan Mantri Fasal Bima Yojna (PMFBY) (प्रधानमंत्री फसल बीमा योजना (पीएमएफबीवाई)) — Crop insurance at 2% / 1.5% / 5% premium · Farmers growing notified crops

Ongoing

Crop insurance at 2% / 1.5% / 5% premium — Farmers growing notified crops

LATEST · 29 Aug 2026PMFBY has Rs 12,200 crore for 2026-27; as of 27 August 2026, 241.38 lakh farmers were insured for Kharif 2026, already above Kharif 2025, and 25 States/UTs are implementing it. pib.gov.in ↗
Official site: pmfby.gov.in ↗

Source: myscheme.gov.in · checked 21 Oct 2026

PM Fasal Bima quick answers

What you getCrop insurance at 2% / 1.5% / 5% premiummyscheme.gov.inWho can get itFarmers growing notified cropsSee eligibilityHow to applySee the stepsOfficial websitepmfby.gov.inCentral government

Benefit

  • Affordable Premiums: The maximum premium payable by the farmer will be 2% for the Kharif food and oilseed crops. For rabi food and oilseeds crop, it is 1.5% and for yearly commercial or horticultural crops it will be 5%. The remaining premium is subsidized by the government.
  • For the farmers in North-Eastern States, Jammu, Kashmir, and Himachal Pradesh, the government also pays the entire premium.
  • Comprehensive Coverage: The scheme covers natural disasters (droughts, floods), pests, and diseases. Post-harvest losses due to local risks like hailstorms and landslides are also included.
  • Yield Losses (Standing Crops): The Government provides this insurance coverage for yield losses that fall under the non-preventable risks, such as Natural Fire and Lightning: Storm, Hailstorm, Tornado etc.: Flood, Inundation and Landslide; Pests/ Diseases, etc.; Drought etc.
  • Post-harvest Losses: The Government provides for post-harvest losses on an individual farm basis. The Government offers coverage of up to 14 days (maximum) from harvesting for crops that are stored in “cut and spread” condition. It means that the Government covers farmers who have put the crops to become sun-baked in the field after harvesting that have been destroyed due to cyclone or cyclonic rains occurred across the country.
  • Localised Calamities: The Government provides for localised calamities on an individual farm basis. Risks such as loss or damage arising from identified localised hazards, such as hailstorms, landslides, and inundation impacting separated farmlands in the notified area comes under this coverage.

Source: myscheme.gov.in ↗ · 21 Oct 2026

Latest official updates

  • PMFBY has Rs 12,200 crore for 2026-27; as of 27 August 2026, 241.38 lakh farmers were insured for Kharif 2026, already above Kharif 2025, and 25 States/UTs are implementing it.pib.gov.in ↗
  • West Bengal rejoined PMFBY from Kharif 2026 and Bihar will implement it from the Rabi 2026-27 season.pib.gov.in ↗
  • Union Cabinet approved continuation of PMFBY and RWBCIS till 2025-26 with an outlay of Rs 69,515.71 crore for 2021-22 to 2025-26.pib.gov.in ↗

Am I eligible for PM Fasal Bima?

Who can apply

Tick each line that is true for you.

Source: myscheme.gov.in ↗ · 21 Oct 2026

How to apply

Steps

  1. Visit the Official Website of "Pradhan Mantri Fasal Bima Yojana".
  2. At the top right corner of the homepage, click "Farmer Corner".
  3. In the popup window, click "Guest Farmer". You will be taken to the Online Registration Form.
  4. If already registered, skip to Step: 4.
  5. "FARMER DETAILS" Section: Full Name, Passbook Name, Relationship, Relative Name, Mobile No., Age, Caste Category, Gender, Farmer Type, Farmer Category,
  6. "RESIDENTIAL DETAILS" Section: State, District, Sub District, Residential Village/ Town, Address, PIN Code
  7. "FARMER ID" Section: ID Type, ID No,
  8. "ACCOUNT DETAILS" Section: IFSC, Bank Name, Branch Name, Savings Bank A/C No., Confirm Savings Bank A/C No..

Documents

  • Passport–sized Photograph
  • Passbook
  • Identity Proof (Aadhaar Card/PAN Card/Voter ID/Bank Passbook with Photo, Kisan Photo Book/NREGA Job Card)
  • Address Proof (Aadhaar Card/PAN Card/Voter ID/Electricity Bill/Bank Passbook with Photo).
  • Evidence of Land records, as per the State Records of Right (RoR), Land Possession Certificate (LPC), and other applicable agreements, contracts notified or permitted by the state.
  • Declaration about the crop sown/intended to be sown.

Source: myscheme.gov.in ↗ · 21 Oct 2026

PM Fasal Bima: questions people ask

I'm a tenant farmer without formal land ownership documents. Can I still apply for crop insurance under PMFBY if I can prove I cultivate the land?

Yes, tenant farmers and sharecroppers can apply with a valid land tenure agreement. You must provide evidence of your cultivation rights through state-recognized documents or agreements.

My crops were damaged by unseasonal rains after harvesting while drying in the field. Does PMFBY cover such losses?

Coverage is available for up to 14 days post-harvest for crops kept in "cut & spread" condition in the field, specifically for damage from cyclonic/unseasonal rains. You must report the damage immediately.

I farm in Himachal Pradesh. Do I need to pay any premium for my apple crop under PMFBY?

No, farmers in Himachal Pradesh, along with other North-Eastern states and Jammu & Kashmir, receive 100% premium subsidy from the government for all notified crops.

Source: myscheme.gov.in ↗

What changed on this page

· PMFBY has Rs 12,200 crore for 2026-27; as of 27 August 2026, 241.38 lakh farmers were insured for Kharif 2026, already above Kharif 2025, and 25 States/UTs are implementing it.

· West Bengal rejoined PMFBY from Kharif 2026 and Bihar will implement it from the Rabi 2026-27 season.

· Facts checked against the official sources on 21 Oct 2026.

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