Pradhan Mantri Fasal Bima Yojana 2026 (PMFBY)

Ministry of Agriculture and Farmers Welfare, Government of India PMFBY Pradhan Mantri Fasal Bima Yojana 2026
WWW.SARKARIJOBNOTICE.COM
Crucial Dates	Fee Structure
Scheme Launched: 18 February 2016 Kharif Season Application: April to July 2026 (varies by state) Rabi Season Application: October to December 2026 (varies by state) Crop Cutting Experiments: During harvest season Claim Disbursement: Within 30 days of state government submitting yield data Revamped PMFBY 3.0 implemented from Rabi 2025-26	Kharif Crops: 2 percent of Sum Insured (farmer share) Rabi Crops: 1.5 percent of Sum Insured (farmer share) Commercial and Horticultural Crops: 5 percent of Sum Insured Balance premium paid by central and state government equally No fee for loanee farmer enrolment (auto-deducted by bank with crop loan)
Maximum & Minimum Age
No age restriction for farmers Applicant must own cultivable land in own name Tenant farmers and sharecroppers also eligible with landowner consent Both loanee and non-loanee farmers can enrol
Important Instructions
Read official notification carefully before applying Keep Aadhaar and bank passbook ready Do not pay commission to agents or middlemen Use only official portals for application Report any fraud to the toll-free helpline
Total Post	Qualification Required
Open (all eligible farmers across India)	All farmers growing notified crops in notified areas are eligible Loanee farmers (those taking crop loans) are compulsorily enrolled Non-loanee farmers can voluntarily enrol through bank or CSC Tenant farmers and sharecroppers eligible with proper documentation Must have land records (khata/khatauni/patta) in own or family name
Examination Format
Sum Insured: Equal to scale of finance for the crop (typically Rs 30000 to Rs 80000 per hectare) Coverage: Sowing to harvesting (comprehensive risk cover) Risks covered: Drought, flood, hailstorm, landslide, cyclone, pest attack, disease Localized risks: Hailstorm, landslide, inundation affecting individual farmer Post-harvest coverage: 14 days after harvest for coastal and flood-prone areas Claim amount: Difference between threshold yield and actual yield, multiplied by sum insured
Selection Method
Enrolment through bank with crop loan OR voluntary registration Premium payment at the time of enrolment Crop sowing verification by state agriculture department Crop Cutting Experiments (CCE) during harvest for yield assessment Claim calculation based on yield shortfall against threshold yield Direct Benefit Transfer (DBT) of claim amount to Aadhaar-linked bank account
Download Links
Official PMFBY Portal	Click Here
Farmer Corner - Check Status	Click Here
Download State-wise Crop Notification	Click Here
Official Agriculture Ministry Website	Click Here
Join Telegram Channel	Click Here
Join WhatsApp Channel	Click Here
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PM Fasal Bima Yojana 2026 (PMFBY) - Crop Insurance for Farmers at Just 2 Percent Premium

If you are a farmer who has ever lost a crop to untimely rain, drought, or pest attack, you know how devastating it can be to your family finances. The Pradhan Mantri Fasal Bima Yojana 2026, popularly called PMFBY, is designed exactly for such situations. Launched in February 2016, the scheme provides comprehensive crop insurance cover from sowing to harvesting, and the beauty is that farmers pay only 1.5 to 2 percent of the sum insured as premium. The remaining 98 percent is borne equally by the central and state governments. I have a cousin in Latur, Maharashtra who lost his soybean crop to a sudden dry spell in August 2024, and within 45 days of the state submitting yield data, he received Rs 38000 in his bank account as claim, which was almost equal to his total input cost.

Here is what most farmers do not understand about PMFBY. There are two types of enrolment - compulsory for loanee farmers and voluntary for non-loanee farmers. If you take a Kharif or Rabi crop loan from any bank, the bank automatically deducts the insurance premium from your loan amount and enrolls you. You do not need to do anything separately. But if you are a non-loanee farmer who farms with own money or borrows from informal sources, you have to voluntarily enrol through your bank branch or Common Service Centre (CSC) before the state-specific cut-off date. Many small farmers miss this deadline and then cry foul when their crop fails. The cut-off is typically end of July for Kharif and end of December for Rabi, but it varies from state to state based on monsoon arrival and sowing patterns.

The claim process is where PMFBY has improved significantly over the years. Earlier, farmers had to run from pillar to post to get their claims, but now the entire process is data-driven. State agriculture departments conduct Crop Cutting Experiments (CCE) in randomly selected fields during harvest season to calculate the actual yield of a village or block. If this actual yield is less than the threshold yield (average of last 7 years), the shortfall is calculated and claim amount is directly credited to the Aadhaar-linked bank account of the farmer. No application, no running around - the money just lands in your account. Sarkari Notice 247 has been explaining PMFBY to farmers since 2019, and we strongly recommend every farmer, big or small, to enrol in this scheme.

How to Apply for PM Fasal Bima Yojana 2026

Check whether your district and crop are notified under PMFBY for the current season. Visit pmfby.gov.in and click on State-wise Notification to see the list of notified crops in your area. Only notified crops in notified districts are eligible for insurance.
If you are a loanee farmer (taking crop loan), visit your bank branch that provides KCC loan. The bank will automatically enrol you in PMFBY when sanctioning the crop loan, and the premium will be deducted from the loan amount. You do not need to do anything separately.
Non-loanee farmers should visit the same bank branch where they have an account, or any nearby Common Service Centre (CSC). Carry your Aadhaar card, land records (khata/khatauni), bank passbook, and mobile number. The CSC operator or bank official will help you fill the enrolment form.
Provide details like name, Aadhaar number, bank account number, village, survey number of your land, crop you are sowing, and area in hectares. The system will calculate the premium based on the sum insured for your crop.
Pay the premium amount (1.5 percent for Rabi, 2 percent for Kharif, 5 percent for commercial crops). You will get a receipt and a confirmation SMS on your registered mobile number with the policy details.
Keep the receipt and SMS safely. The insurance cover starts from the date of enrolment and continues till harvest. If you change the crop after enrolment, inform the bank or CSC immediately to update the record.
In case of crop loss, inform your bank or agriculture officer immediately. The state government will conduct Crop Cutting Experiments in your area and the claim amount, if any, will be directly credited to your bank account within 30 to 45 days of yield data submission.

Frequently Asked Questions (FAQ)

Q1. What is the premium rate for farmers under PMFBY 2026?

Farmers pay only 2 percent of sum insured for Kharif crops, 1.5 percent for Rabi crops, and 5 percent for commercial and horticultural crops. The remaining premium is paid equally by central and state governments. For example, if sum insured is Rs 40000 for paddy, farmer pays only Rs 800.

Q2. Is PMFBY enrolment compulsory for all farmers?

No, PMFBY is compulsory only for loanee farmers (those taking crop loans). Non-loanee farmers can voluntarily enrol. If you do not take crop loan, you can choose to enrol or not, but we strongly recommend every farmer to enrol for financial security.

Q3. What risks are covered under PM Fasal Bima Yojana 2026?

PMFBY covers crop loss due to drought, flood, hailstorm, landslide, cyclone, inundation, pest attack, and disease. It also covers post-harvest losses for 14 days after harvest in coastal and flood-prone areas. Localized risks like hailstorm affecting individual farmer are also covered.

Q4. How is the claim amount calculated and disbursed?

Claim is calculated based on the difference between threshold yield (average of last 7 years) and actual yield (determined through Crop Cutting Experiments). If actual yield is lower than threshold, the shortfall percentage is applied to sum insured to arrive at claim amount. Money is credited directly to Aadhaar-linked bank account.

Q5. Where can I check my PMFBY policy status and claim status?

Visit pmfby.gov.in and click on Farmer Corner. Enter your Aadhaar number or mobile number to see your policy details, premium paid, and claim status. You can also contact your bank branch or call the PMFBY toll-free helpline at 1800-200-3444 for assistance.

Q6. I am a tenant farmer. Can I enrol in PMFBY 2026?

Yes, tenant farmers and sharecroppers are eligible to enrol in PMFBY. You need to provide a written consent from the landowner and land records of the cultivated land. Contact your bank branch or agriculture officer for the specific documentation required in your state.