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PM-Kisan
Har saal ₹6,000 — teen kiston me ₹2,000-₹2,000 seedha bank khaate me
Puri jankari — patrata, documents, apply →Home / Central Yojana / PM Fasal Bima (PMFBY)
Central — pure Bharat ke liyePradhan Mantri Fasal Bima Yojana (PMFBY)
प्रधानमंत्री फसल बीमा योजना
Seedha jawaab: Prakritik aapda, keede-bimari se fasal bigadne par bima claim — kisan premium sirf 2% (Kharif), 1.5% (Rabi), 5% (bagwani/vyavasayik fasal), baaki premium sarkar deti hai.
Vibhag: Krishi evam Kisan Kalyan Mantralaya, Bharat Sarkar · Official portal: pmfby.gov.in · Helpline: 14447 · Jankari antim baar verify: 2026-10-20
Yojana ke baare me
PMFBY me kisan bahut kam premium par apni fasal ka bima karata hai. Buaai se kataai tak prakritik karanon — sookha, baadh, ola, toofan, keede-bimari — se upaj ghatne par bima company claim deti hai. 2020 se ye yojana sabhi kisanon ke liye puri tarah swaichhik (voluntary) hai — loan lene par bhi dabav nahi hai. Kharif 2026 se jangali janwaron ke hamle ka nuksan bhi add-on cover ke roop me jud raha hai.
Kaun patr hai ✓
- Apne kshetra me sarkar dwara notified (adhisuchit) fasal boya hua koi bhi kisan — zameen ka malik, kirayedar (tenant) ya bataidar (sharecropper)
- Kirayedar/bataidar ke liye zameen ke swamitva ya kiraya/batai ka saboot chahiye, aur fasal me uska bima-yogya hit (insurable interest) hona chahiye
- Loan lene wale kisan bhi aur bina loan wale bhi — dono jud sakte hain; judna puri tarah aapki marzi hai
- Fasal ka bima usi kshetra/parcel tak seemit hoga jitna asal me boya gaya hai
Kaun patr NAHI hai ✗
- Jo fasal ya kshetra us season ke liye rajya sarkar ne notify hi nahi kiya, uska bima PMFBY me nahi hoga
- Roke ja sakne wale (preventable) nuksan — jaise khud ki laparwahi se hua nuksan — cover nahi hote
- Asal boye gaye kshetra se zyada kshetra par bima nahi milta; Aadhaar se naam ka milan na ho to aavedan wapas ja sakta hai
Patrata ke niyam samay-samay par badal sakte hain. Awedan se pehle apni sthiti official portal par confirm zaroor karein.
Kaunse documents chahiye
- Zameen ke swamitva ka saboot YA kirayedar/bataidar hone ka saboot (kiraya samjhota/batai sambandhi dastavej)
- Aadhaar Card (aavedan me naam Aadhaar se milna chahiye)
- Bank khaata vivaran (claim seedha khaate me aata hai)
- Boi gayi fasal aur kshetra ki jankari (bank/CSC par di jati hai)
- Dastavejon ki pakki naam-wali suchi rajya aur bank ke hisab se badal sakti hai — form bharne se pehle apni bank shakha ya CSC par confirm karein
Apply kaise karein — step by step
- Pehle check karein — aapki fasal notified hai ya nahiHar season rajya sarkar jile-war notified faslon ki suchi nikaalti hai. Apni bank shakha, CSC ya jila krishi karyalaya se pata karein ki aapki fasal aur kshetra is season cover me hai ya nahi.
- Form bharein — portal, bank ya CSC sepmfby.gov.in ke Farmer Corner se khud online apply kar sakte hain, ya apni bank shakha / CSC se form bharwayein. Cut-off tareekh aam taur par Kharif ke liye 31 July aur Rabi ke liye 31 December hoti hai (rajya sarkar inme badlav/vistaar kar sakti hai — is season ki pakki tareekh portal par dekhein).
Screenshot: pmfby.gov.in (guide ke liye) - Premium bhareinKisan ka premium: Kharif khadyann/telhan fasal par sum insured ka adhiktam 2%, Rabi par 1.5%, salana vyavasayik/bagwani fasal par 5%. Baaki premium kendra aur rajya sarkar milkar deti hain. Policy vivaran aur premium raseed surakshit rakhein.
- Fasal nuksan ho to 72 ghante me suchna deinOla, baadh, bhooskhalan, jangali janwar jaise sthaniya nuksan par 72 ghante ke andar suchna dena sabse zaroori kaam hai — Crop Insurance App, CSC, nazdeeki krishi adhikari ya Krishi Rakshak Helpline 14447 ke dwara. Der karne par claim ruk sakta hai.
Screenshot: pmfby.gov.in (guide ke liye)
Status / kist kaise check karein
- Portal par policy/claim sthitipmfby.gov.in par apni policy aur claim ki sthiti dekhi ja sakti hai (enrolment ka kendriya pranali yahi portal/NCIP hai).
Screenshot: pmfby.gov.in (guide ke liye) - Bank ya CSC seJis bank/CSC se bima karaya tha, wahi se aavedan aur claim ki pragati ka vivaran milega.
- Helpline 14447Krishi Rakshak Portal evam Helpline (14447, 24x7) par shikayat aur sthiti ki jankari milti hai; WhatsApp chatbot number bhi portal par diya hai.
Thagi se bachein: Awedan bilkul muft hai. Koi vyakti naam jodne ya kist jaldi dilane ke paise mange, OTP mange, to turant mana karein aur helpline 14447 ya najdeeki police se shikayat karein. Apply hamesha sirf official portal (pmfby.gov.in) se karein.
Aksar puche jaane wale sawal (FAQ)
Fasal bima ka premium kitna lagta hai?
Kisan ko sum insured ka sirf ek chhota hissa dena padta hai — Kharif khadyann/telhan fasalon par adhiktam 2%, Rabi par 1.5% aur salana vyavasayik/bagwani fasalon par 5%. Kul premium ka baaki lagbhag 95-98.5% hissa kendra aur rajya sarkar deti hain (PIB ke anusaar).
Kya bank loan lene par fasal bima karwana anivarya hai?
Nahi. Kharif 2020 ke sanshodhan ke baad PMFBY sabhi kisanon ke liye puri tarah swaichhik hai — chaahe aapne fasal loan liya ho ya nahi. Agar aap nahi chahte, to bank aapke loan se premium nahi kaat sakti; aisi sthiti me bank ko likhit roop se mana karne ki prakriya wahi se samjhein.
Main bataidar (sharecropper) hu, kya main bima kara sakta hu?
Haan. Kirayedar aur bataidar kisan bhi patr hain — bas zameen ke swamitva ya kiraya/batai ka saboot aur fasal me bima-yogya hit dikhana hota hai (PIB dwara uddhrit Operational Guidelines ke anusaar).
Fasal kharab ho jaye to claim ke liye sabse pehle kya karu?
72 ghante ke andar nuksan ki suchna dein — Crop Insurance App se (photo ke saath), CSC se, nazdeeki krishi adhikari se ya helpline 14447 par. Sthaniya aapda (ola, jal-bharav, bhooskhalan) ka aaklan vyaktigat kheton ke star par hota hai, isliye samay par suchna hi claim ki neev hai.
Jangali janwaron se nuksan ho to claim milega kya?
Kharif 2026 se jangali janwaron ka hamla PMFBY me 5th add-on cover ke roop me jud raha hai — rajya sarkar sambandhit janwaron aur sanvedansheel jilon ki suchi notify karegi, aur nuksan ki suchna 72 ghante me App par geotagged photo ke saath deni hogi (PIB, Nov 2025). Apne jile me ye cover lagu hua hai ya nahi, portal par confirm karein.
Claim milne me der ho to kya hota hai?
Kharif 2024 se DigiClaim pranali ke tahat der se claim bhugtan par 12% penalty apne aap judta hai, taaki kisan ko samay par rakam mile. Aap apni shikayat Krishi Rakshak Helpline 14447 par darj kara sakte hain.
Jankari ke srot (Sources)
- PIB Explainer (11 Aug 2025) — PMFBY: kisan premium 2%/1.5%/5%, sarkari hissa, cut-off aur claim prakriya — check kiya: 2026-10-20
- PIB (18 Sep 2020) sanshodhan annexure — Kharif 2020 se puri tarah swaichhik vyavastha, centre-state sharing aur subsidy cap — check kiya: 2026-10-20
- PIB Cabinet (1 Jan 2025) — PMFBY jaari rakhna, kul parivyay ₹69,515.71 crore, YES-Tech aur WINDS — check kiya: 2026-10-20
- PIB (18 Nov 2025) — Kharif 2026 se jangali janwar add-on cover aur dhaan jal-bharav ki wapsi — check kiya: 2026-10-20
- PMFBY aadhikarik portal — pmfby.gov.in (Farmer Corner, Krishi Rakshak Helpline 14447) — check kiya: 2026-10-20
Koi jankari purani ya galat lage to Contact page par batayein — official source se verify karke turant sudhara jayega.
Doston-parivaar ko bhejein
Ye poster WhatsApp par forward karne ke liye hai — jise is yojana ki zaroorat ho, us tak sahi jankari pahunchayein.
Log Ye Bhi Search Karte Hain
- fasal bima ka premium kitna lagta hai
- fasal bima ka claim kaise kare 72 ghante wala niyam
- Kisan Credit Card — samay par chukta par 4% byaj par kisan loan
- PM-Kisan Samman Nidhi — ₹6,000 saalana sahayata
- fasal bima ki last date kharif rabi
Ye yojanaein bhi dekhein
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