The severe cold wave continues across India, causing significant damage to crops in many regions. Wheat, gram, linseed, lentil, mustard, sunflower, barley, maize, cumin, isabgol, potato, peas, and fenugreek are some of the major crops affected. Protecting crops from natural disasters during such extreme weather is crucial.
The Prime Minister’s Crop Insurance Scheme, introduced by the Modi government, provides financial protection to farmers. Under this scheme, farmers can receive compensation for crop losses caused by natural calamities, ensuring support in challenging times.
Premium Rates Under the Scheme
Farmers need to pay a premium of only 1.5% for Rabi crops under this scheme, while the government covers the rest of the insurance cost. Horticultural crops are also covered, but their premium rate is set at 5%. This makes insurance affordable for farmers.
Required Documents
To apply for the scheme, farmers must keep the following documents ready:
- Aadhaar card
- Bank passbook
- Land records or tenancy agreement
- Self-declaration certificate
How to Apply
Farmers can apply for the scheme through various channels:
- Nearest bank or Primary Agricultural Credit Society (PACS)
- Common Service Center (CSC) or Village Level Entrepreneurs (VLE)
- Agriculture department office
- Representative of an insurance company
- Online via the National Crop Insurance Scheme Portal (NCIP)
Assistance and Helpline
For queries or support, farmers can call:
- The toll-free number of their crop insurance company
- The central government helpline: 1800-180-1551
States Under PM Fasal Bima Yojana
The Pradhan Mantri Fasal Bima Yojana (PMFBY) is implemented across all Indian states and union territories where agriculture is a significant part of the economy. However, participation depends on the individual state’s or union territory’s willingness to adopt the scheme in collaboration with the central government.
- Major States: Maharashtra, Madhya Pradesh, Uttar Pradesh, Rajasthan, Gujarat, Haryana, Punjab, Bihar, West Bengal, Karnataka, Tamil Nadu, Andhra Pradesh, Telangana, Odisha, and Chhattisgarh.
- Hill & Northeastern States: Himachal Pradesh, Assam, Tripura, and Kerala.
Key Points to Check
- Farmers should confirm whether their state is currently participating in PMFBY, as some states may temporarily opt out.
- Local authorities or the National Crop Insurance Portal (NCIP) can provide the latest updates on participation.