Pradhan Mantri Fasal Bima Yojana 2025: Insure Your Kharif Crop by July 31 to Get Claim Benefits

Key Highlights

• Farmers can insure Kharif crops till July 31, 2025, under PMFBY.

• 2% premium for Kharif, 1.5% for Rabi, and 5% for commercial crops.

• Apply via banks, CSCs, post offices, or agri-department branches.

• Claims must be filed within 72 hours via app, portal, or helpline.

• Haryana horticulture crop insurance has also been extended till July 31, with a premium of 2.5% only.

The Central Government has launched the Pradhan Mantri Fasal Bima Yojana (PMFBY) for the Kharif 2025 and Rabi 2025–26 seasons. Under this scheme, farmers across India can get their crops insured till July 31, 2025, and protect their income against natural disasters. The scheme is open to loanee farmers, non-loanee farmers, and sharecroppers, and offers insurance coverage for a wide range of risks such as floods, drought, pests, and diseases.

Who Can Apply?

The scheme covers all categories of farmers:

• Loanee Farmers: Can apply through their bank or cooperative society.

• Non-Loanee Farmers: Can apply by visiting CSC centres, post offices, banks, or agriculture department branches.

• Sharecroppers: Farmers cultivating on others' land are also eligible.

According to Joint Director Agriculture (Extension) Dhanraj Meena, all applications must be submitted by July 31, 2025.

Premium Details for Crop Insurance

The premium rates under the Pradhan Mantri Fasal Bima Yojana are minimal:

The Central and State Governments will jointly pay the remaining premium amount. This makes it highly affordable for all farmers.

What Risks Are Covered?

The scheme offers protection against the following natural risks:

• Drought or long dry periods

• Floods and waterlogging

• Pest attacks and plant diseases

• Landslides, lightning, and fire

• Storms, hailstorms, and cyclones

This comprehensive coverage ensures that farmers receive financial support even if their crops are severely damaged.

Claim Process for Damaged Crops

If crops are damaged within 14 days of harvesting due to any of the above reasons, the farmer can register a claim using the following platforms:

• Krishi Rakshak Portal

• Crop Insurance App

• Helpline: 14447

The claim must be filed within 72 hours of the damage. Officials from the insurance company and the agriculture department will survey the field. After assessing the loss, they will help fill out the claim form. Once approved, the insurance amount is transferred directly to the farmer’s bank account.

Special Updates from States

Rajasthan:

The last date to insure Kharif crops has been extended to July 31, 2025. Early insurance will help fast-track the claim process in case of damage.

Haryana:

The Mukhyamantri Bagwani Bima Yojana is a separate state-level scheme for horticulture crops. Though not part of PMFBY, it offers great benefits for Haryana farmers.

• New Last Date: Extended from May 31 to July 31, 2025.

• Premium: Farmers pay only 2.5%.

• Insurance Coverage:

• ₹750/acre for vegetables

• ₹1,000/acre for fruits

• Claim Amount:

• ₹30,000/acre for vegetables (in case of 100% loss)

• ₹40,000/acre for fruits (in case of 100% loss)

To apply, farmers must register on the “Meri Fasal Mera Byora” portal and submit their crop and land details.

How to Apply for Crop Insurance?

For PMFBY (Kharif Crops):

• Loanee Farmers: Apply through bank or cooperative society.

• Non-Loanee Farmers: Visit CSC, post office, or agriculture department office.

For Haryana Horticulture Scheme:

• Apply online via Meri Fasal Mera Byora portal.

• Choose the crop, enter land details, and pay the 2.5% premium online.

Required Documents

For Loanee Farmers:

• Aadhaar Card

• Bank Passbook

• Bank Account Details

For Non-Loanee Farmers:

• Aadhaar Card

• Land Record (Jamabandi)

• Bank Passbook

• Crop details and portal screenshot (for Horticulture Scheme)

Where to Get Help?

If you face any issue or need more information:

• Call Crop Insurance Helpline: 14447

• Visit Krishi Rakshak Portal

• Contact your District Agriculture Office

• Access the Horticulture Scheme Portal

• Get help through mobile support centres

Also Read: Ladli Behna Yojana 26th Installment to Arrive Early with Increased Amount for Raksha Bandhan

CMV360 Says

The Pradhan Mantri Fasal Bima Yojana 2025 and Haryana’s Horticulture Scheme are major steps to ensure financial protection for farmers against crop loss due to natural calamities. With affordable premiums and easy application processes, farmers are urged to complete their crop insurance before July 31, 2025, to secure timely claims and safeguard their livelihoods.