Pradhan Mantri Fasal Bima Yojana 2022

Pradhan Mantri Fasal Bima Yojana 2022 is a central government scheme that aims to help farmers in situations of crop loss due to natural calamities, the same goal as the PradhanMantri Fasal Bima Yojana 2021. Pradhan Mantri Fasal Bima Yojana provides insurance to farmers in situations of crop loss, thus giving them a means of livelihood. The scheme will be implemented by the Agricultural Insurance Company of India. A budget of Rs 8,800 crore has been set by the government for this scheme. 

 

What is Meri Policy, Mera Haath?

This initiative was launched by Union Agriculture Minister Narendra Singh Tomar. Starting in Indore, this campaign was launched to increase the reach of the Pradhan Mantri Fasal Bima Yojana. This scheme was started by Prime Minister Narendra Modi on February 18, 2016. The scheme aims to provide insurance at affordable rates to the farmers in case of losses due to natural calamities. To date, about 36 crore farmers have benefited from the scheme. All the documents related to the insurance will be sent to the farmers’ houses. 

 

Pradhan Mantri Fasal Bima Yojana: Purpose

The purpose of the scheme is to provide security to the farmers and their families against the loss of crops due to natural calamities, from pre-sowing to post-harvesting. This will help not only develop the nation but strengthen the farmer’s households of the country. 

 

Pradhan Mantri Fasal Bima Yojana: Highlights of the scheme

Scheme Name	Prime Minister Crop Insurance Scheme
Department	Ministry of agriculture and farmers welfare
Beneficiaries	Farmers
Start of online application	NA
Last date for the online application	31st July for Kharif crop
Objective	Empowering and safeguarding farmers
Relief fund	Insurance up to Rs 2,00,000
Type of plan	Central government scheme
Official website	https://pmfby.gov.in

 

Pradhan Mantri Fasal Bima Yojana: Implementation of the scheme

The government has appointed project officers and surveyors at the district level to ensure that the scheme gets implemented properly. The banks also appoint their officials at district and block levels to ensure complete implementation. A Grievance Redressal Committee redresses the grievances of all farmers, at the district level.

In 2021 in Haryana, the crops of paddy, maize, bajra and cotton were insured in the Kharif season and wheat, barley, gram, mustard and sunflower crops were insured in the Rabi season. If a farmer wishes to enjoy the benefits of the scheme, they shall need to register on the official PMFBY portal before the due date. 

 

How to avail the benefits of Pradhan Mantri Fasal Bima Yojana?

In case of crop damage, you can gain access to the portal scheme via the following methods:

• Visit the agriculture office or company.
• Notify the agricultural officer about the crop loss within 72 hours.
• Provide information about the loss, including its date and time.
• Make sure that you also get visual proof, that is, pictures of the crop loss.
• You can also notify via the application
• Now the toll-free number is also available for this purpose. That is 1800801551.

 

Pradhan Mantri Fasal Bima Yojana: Points to note for claiming insurance

• Ensure that you inform the insurance company, especially for the small-scale natural calamities.
• Small scale natural calamities include hail storms, cloud bursts, unseasonal or heavy rainfall, etc.
• If you fail to provide the information in time, your claim may get cancelled.
• For large scale natural calamities, you do not need to inform the company in most cases. 
• Hence, informing the company in a timely manner is a must for all such problems. 

 

Pradhan Mantri Fasal Bima Yojana: Process of getting your claim

• Farmers need to inform the insurance company or the agricultural officer within 72 hours of the calamity.
• The company will appoint an officer to assess the same. 
• The loss to the crop itself will be determined in 10 days’ time. 
• After all the processing is done, the amount will be transferred within 15 days.
• Farmers can inform via the toll-free number 1800801551 or via the app on Play Store.

 

Pradhan Mantri Fasal Bima Yojana: Withdrawal from the scheme

A farmer can withdraw his name from the scheme by informing the bank in writing. If no information reaches the bank, the premium amount will be deducted from the beneficiary’s account, and they will automatically be considered as part of the scheme. If a farmer does not have a credit card, they can register via the representative of the company or any other means. 

Any changes in growing the planned crop need to be informed to the bank two days before the due date. If any discrepancy is found, the farmer will forfeit his claim to the scheme’s benefits. 

 

Pradhan Mantri Fasal Bima Yojana: Eligibility

• All farmers of the country are eligible under the scheme. Those who have not availed any insurance scheme benefits earlier. 
• You can get the insurance for farming done on your land as well as the land you have acquired via insurance.
• This scheme is limited only to Indian farmers and no one else. 

 

Pradhan Mantri Fasal Bima Yojana: Documents required

• Farmer identity card
• Photograph of the applicant
• Aadhaar card
• Ration card
• Bank account
• Address proof of the farmer such as driving licence, voter ID card, passport, etc.
• Photocopy of the rent agreement, in case the farm is cultivated on rent
• Date and day of sowing the crop

 

Pradhan Mantri Fasal Bima Yojana: Important dates to note

The PMFBY 2020-21 last date can be checked on the website.

• Late date for Kharif crop is 31st July
• Late date for Rabi crop is 31st December

Last date can also be verified with the online portal, agricultural officer and the insurance company.

 

Pradhan Mantri Fasal Bima Yojana benefits

• Any farmer who loses crops to natural calamities will receive the amount directly in their bank account for all the losses incurred due to the loss of crops.
• No benefit will be provided in any other circumstances. The benefits are limited only to the loss due to natural calamities.
• The premium amount is borne by the governments as well, that is the state and the centre along with the farmer.
• The farmers have already benefited a lot from this scheme, with crores of farmers enjoying the benefits.

 

Other features of the scheme

• The difference between the premium and the rate of insurance fee will be provided as a subsidy to the farmer.
• The capping on the premium has been removed. 
• Both loanee and non-loanee farmers will pay the general insurance amount. 
• A farmer can claim up to 25% of the premium in case of stopped sowing.
• In case of moderate weather adversity wherein there is loss of a 50% crops, there is a provision of paying up to 25% of the premium to the farmer.
• The remaining claim amount payment depends on the agricultural experiments and their results.
• A crop insurance portal has also been set up for the purpose of the same.

 

Pradhan Mantri Fasal Bima Yojana: Application details

Last date to apply under the scheme was December 31st, 2021. Farmers are required to register on Meri Fasal, Mera Byora for the Rabi season crops. Farmers must visit the crop bank before the 13th of December to clarify the status of their crop and prevent future problems. If a farmer does not want to take advantage of the scheme they must inform the same before the 15th of December. 

 

Pradhan Mantri Fasal Bima Yojana: Coverage of farmers

• All farmers are eligible to enjoy the benefits of the scheme. 
• Sharecroppers and farmers growing insurable crops are also eligible to enjoy the benefits of the scheme.
• All farmers have to submit all necessary documents to enjoy the benefits of the scheme. 
• Sharecroppers and tenant farmers must submit their Aadhar cards along with other details required.

 

Pradhan Mantri Fasal Bima Yojana crops covered 

• Food crops
• Oil seeds
• Annual Commercial/ Annual Horticulture crops
• Perennial Horticulture/ Commercial crops

Also read about :  PM Kisan

Pradhan Mantri Fasal Bima Yojana: Risk Coverage

• Basic coverage under the scheme is provided in case of natural calamities.
• Apart from this, add-on coverage can also be opted for in case of the following situations:
• Printed sewing/planting/germination risk
• Mid Season Adversity
• Post-harvest losses
• Local calamities
  Pradhan Mantri Fasal Bima Yojana: Premium amount for the season Rabi 2021-22

The PMFBY 2020 21 list can be accessed on the website. 

Crop Name	Amount (in Rs)
Wheat	11000.90
Barley	661.62
Mustard	681.09
Chickpea	505.95
Sunflower	661.62

 

Pradhan Mantri Fasal Bima Yojana: Sum assured per Hectare

Crop Name	Amount (in Rs)
Wheat	67,460
Barley	44,108
Mustard	45,405
Chickpea	33,730
Sunflower	44,108

 

Pradhan Mantri Fasal Bima Yojana premium amount

Name of the crop	Premium amount (in Rs per acre)
Barley	267.75
Cotton	1732.5
Gram	204.75
Maize	356.99
Millet	335.99
Mustard	275.63
Rice	713.99
Sunflower	267.75
Wheat	409.5

 

Amount to be given under Pradhan Mantri Fasal Bima Yojana

Name of the crop	Insured amount (in Rs per acre)
Barley	17,849.89
Cotton	34,650.02
Gram	13,650.06
Maize	17,849.89
Millet	16,799.33
Mustard	18,375.17
Rice	35,699.78
Sunflower	17,849.89
Wheat	27,300.12

 

Pradhan Mantri Fasal Bima Yojana: Benefits distributed to date

To date, about 7,618 crores have been paid to 49 lakh farmers by the Chief Minister of Madhya Pradesh, Shivraj Singh Chauhan. Maximum benefits have been given in the Betul district of this state. The amount was transferred to the bank account of the farmers in a single click. This amount has been released to compensate for the loss of crops in Kharif 2020 and Rabi 2020-21. He said that earlier Rs 2878 crore was paid under this scheme.

So far, about Rs 10,494 crores has been transferred by the state government to the farmers’ account. In the last 22 months, an amount of Rs 1.76 lakh crore has been distributed by the government. This money would help farmers sustain their livelihoods despite the losses they faced in the respective seasons. 

 

Budget of the Pradhan Mantri Fasal Bima Yojana

The government understands the needs of the farmers and hence has set apart a huge part of the budget for the welfare of the farmers.

The Pradhan Mantri Fasal Bima Yojana has a budget of Rs 16,000 crore for the year 2021-22 (the Pradhan Mantri Fasal Bima Yojana 2021 had a different budget). There has been an increase of Rs 305 crores in the budget of the scheme. 

• Looking at the success of the scheme and the support shown by the farmers, the government decided to re-launch the scheme after 5 years with many amendments. The scheme now covers everything from pre-sowing to post-harvesting and provides additional coverage facilities to farmers as well. 
• The benefits of the scheme are being enjoyed by approximately 5.5 crore farmers all over the country, bringing relief to many households. About 80% of the farmers registered under the scheme are small and marginal farmers. Thus, proving the point that the scheme is helping secure livelihoods. 

 

Pradhan Mantri Fasal Bima Yojana: Number of farmers enrolled 

Year	Number of Farmers (in lakhs)
2018-19	577.7
2019-20	612.3
2020-21	613.6

 

Crops and Premium in Pradhan Mantri Fasal Bima Yojana

Serial Number	Crop	Percentage of the premium paid by the farmer
1	Kharif	2
2	Rabi	1.5
3	Annual commercial and horticultural crops	5

 

Pradhan Mantri Fasal Bima Yojana activity calendar

Activity	Kharif	Rabi
Loan sanctioned for farmers	April to July	October to December
Cut off date for receipt of proposals	31 July	31 December
Cutoff date to yield data	Within a month of harvest	Within a month of harvest

 

Pradhan Mantri Fasal Bima Yojana: Online Registration

The registration process in 2022 is the same as the Pradhan Mantri Fasal Bima Yojana online registration 2020.

• Visit the official website. Create an account on the website.

• Click on the Register option and enter all the relevant information required.
• Click on Create and your account will be ready to go. 
• After creating an account, fill in the form for the scheme by logging in.

• Click on submit after correctly filling the crop insurance scheme form . 

 

Pradhan Mantri Fasal Bima Yojana: Offline application process

• Visit the nearest insurance company.
• Collect the form for Pradhan Mantri Fasal Bima Yojana from the agricultural officer.
• Provide all the important information required. 
• Attach required documents and submit the form to the agricultural officer.
• Pay the premium amount.
• You will be given a reference number.
• Keep the number safely to check the status of your application whenever you wish to.

 

Pradhan Mantri Fasal Bima Yojana: How to check scheme application status?

• Open the official website. The home page opens up.
• Click on the button stating check application status. 
• Check the application status for the scheme by entering your application number and captcha code. 

• Click submit. The application status becomes visible to you. 

 

Pradhan Mantri Fasal Bima Yojana: Steps to register for new farmer user

• Visit the official website.
• Click on Farmer Corner.
• Click on Guest Famer.

• Fill up the form, enter the captcha, and press the Create User button.

 

Pradhan Mantri Fasal Bima Yojana: Procedure to sign in to the portal

• Visit the official fasal bima online website.
• Click on sign in.
• Enter the mobile number, password and captcha code.

• Click on submit.
• You will be able to sign in to your account.

 

Downloading the Pradhan Mantri Fasal Bima Yojana list

• Visit the official website, the home page opens up.
• Click on the dashboard option.
• Click on the option of Dashboard.

• Click on the state wise report.
• Select your state, district.
• Select your sub-district, then select your block.
• Select your gram panchayat, the details will be displayed on your screen.

 

Pradhan Mantri Fasal Bima Yojana: Calculating premium

• Visit the official website, and the home page opens up.
• Click on the Insurance Premium Calculator option. 
• Enter the relevant information asked for.

• Click on the calculate button and check your premium.

 

Pradhan Mantri Fasal Bima Yojana: Viewing the data dashboard

• Visit the official PMFBY portal. The home page opens up.
• Click on the PMFBY Dashboard option.

• The dashboard opens up right in front of you. 

 

Pradhan Mantri Fasal Bima Yojana: CSC Login process

• Visit the official website of PMFBY. The home page opens up.
• Click on CSC login.
• Enter your credentials.

• Click on the login option.

 

Pradhan Mantri Fasal Bima Yojana: Locating a CSC

• Visit the official website, and the home page opens up.
• Click on the CSC option.
• Click on locate CSC.
• An application on Google Play Store opens up.
• Click on install.

• The application gets installed and you can now use it to locate CSC.

 

Pradhan Mantri Fasal Bima Yojana: Viewing coverage data

• Visit the official website.
• The home page opens up. Click on the Dashboard option.
• Click on the option of Coverage Dashboard.
• You can now view the required data.

 

Pradhan Mantri Fasal Bima Yojana: Reporting crop loss

• Visit the official website of PMFBY.
• Click on Report Crop Loss. 

• Install the application required for reporting crop loss. 
• You can now use the application to report the crop loss.

 

Pradhan Mantri Fasal Bima Yojana App

The application is available on the Play Store for downloading. This makes applying for the scheme, checking the application status and also the application for premium easier and more convenient.

This also makes everything more accessible to the farmer including access to the premium, and the insurance amount information. 

You can download the application via the following steps:

• Open the Google playstore on your phone and type in the search bar type Pradhan Mantri Fasal Bima Yojana.
• Or, click on the Download Farmer App option on the homepage. It will redirect you to the playstore page.
• Click on the first option that pops up. Click on install.
• The application gets installed in your phone.

 

Pradhan Mantri Fasal Bima Yojana: How to view crop insurance beneficiary lists online?

• Open the official website.
• The home page opens up.
• Click on view beneficiary list.
• Select your state.
• Select the district and the block.
• The list opens up and you can check your name on the list.

 

Pradhan Mantri Fasal Bima Yojana: How to check crop insurance beneficiary lists offline?

• Visit the concerned bank.
• Show the bank official your application number and other documents asked for.
• The official will help you see the list.
• Check your name on the list.

 

Pradhan Mantri Fasal Bima Yojana: How to check state wise farmer details?

• Open the official website.
• Home page opens up.
• Click on the Report link. 
• Click on state wise farmer details.

• The farmer list opens up.

 

Pradhan Mantri Fasal Bima Yojana: Process to download circulars

• Visit the official website of Pradhan Mantri Fasal Bima Yojana.
• Click on the option of Circular.
• A list of circulars opens up in front of you. 
• Click on the circular required. 

• Download the circular once it opens up in pdf format. 

 

Pradhan Mantri Fasal Bima Yojana: Viewing bank branch directory

• Open the official website of the scheme.
• On the homepage, click on the Bank Branch Directory option. 
• New page opens up.
• You can now view the directory.

 

Pradhan Mantri Fasal Bima Yojana: Downloading tenders

• Visit the official website. 
• The home page opens up.
• Click on downloads.
• Download the tender required.

 

Pradhan Mantri Fasal Bima Yojana: Downloading guidelines

• Visit the official website.
• The home page opens up.
• Click on downloads, then click on guidelines.
• The list of guidelines opens up.
• Download the guidelines required.

 

Pradhan Mantri Fasal Bima Yojana: Registering a complaint

• Open the official website, and the homepage opens up.
• Click on the option of Technical Grievance.
• Enter the relevant details on the next page that opens up.

• Click on submit.

 

Pradhan Mantri Fasal Bima Yojana: Submitting a feedback

• Open the official website.
• The homepage opens up.
• Click on the option of Feedback, located at the bottom of the page. 

• Enter the relevant details and submit the feedback. 

 

Pradhan Mantri Fasal Bima Yojana: Checking Insurance Company Directory

• Visit the official website.
• The home page opens up.
• Click on the option of the Insurance Company Directory.

• You can now view the directory.

 

Pradhan Mantri Fasal Bima Yojana: Insurance Company Directory

Name of the Company	Company Code	Toll-free number	Email ID	Address
Universal Sompo General Insurance Company	1008	18002005142	contactus@universalsompo.com	103, First Floor, Ackruti Star, MIDC Central Road, Andheri (East) , Mumbai-400093
United India Insurance Co	1013	180042533333	customercare@uiic.co.in	Customer care department, no.24, whites road, Chennai-600014
Tata AIG General Insurance Co. Ltd	1010	18002093536	customersupport@tataaig.com	Peninsula Business Park, Tower-A, 15th Floor, Ganpat Rao Kadam Marg, Lower Parel, Mumbai, Maharashtra-400013, India.
Shriram General Insurance Co. Ltd	1017	180030030000/18001033009	chd@shriramgi.com	E-8, Epip, Riico Industrial area, Sitapura Jaipur (Rajasthan) 302022
SBI General Insurance	1012	1800 22 1111 1800 102 1111	customer.care@sbigeneral.in	9th Floor, A&B wing, Fulcrum Building, Sahar Road, Andheri East, Mumbai -400099
Royal Sundaram General Insurance Co. Limited	1018	18005689999	crop.services@royalsundaram.in	Vishranthi Melaram Towers, No. 2/319, Rajiv Gandhi Salai (OMR), Karapakkam, Chennai – 600097
Reliance General Insurance Co. Ltd	1003	1800 102 4088	rgicl.pmfby@relianceada.com	Reliance General Insurance Company Limited, 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off. Western Express Highway, Goregaon (E), Mumbai- 400063.
Oriental Insurance	1015	1800118485	crop.grievance@orientalinsurance.co.in	The Oriental Insurance Company Ltd.Crop Cell, Head Office, New Delhi
National Insurance Company Limited	1016	18002091415	customercare.ho@newindia.co.in	customercare.ho@newindia.co.in
Iffco Tokio General Insurance Co. Ltd	1007	18001035490	supportagri@iffcotokio.co.in	IFFCO Tower ,Plot No. 3 , Sector 29 , Gurgaon -122001,Haryana(India)
Icici Lombard General Insurance Co. Ltd	1009	18002669725	customersupport@icicilombard.com	ICICI Lombard House414, P.Balu Marg,Off Veer Sawarkar Marg,near Siddhivinayak Temple, Prabhadevi,Mumbai-400025
Hdfc Ergo General Insurance Co. Ltd.	1006	18002660700	pmfbycell@hdfcergo.com	D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078 State : Maharashtra , City : MUMBAI, Pin Code : 400078
Future Generali India Insurance Co. Ltd.	1005	18002664141	fgcare@futuregenerali.in	Indiabulls Finance Center, 6th Floor, Tower 3, Senapati Bapat Marg, Elphinstone West, Mumbai, Maharashtra 400013
Cholamandalam Ms General Insurance Company Limited	1002	18002005544	customercare@cholams.murugappa.com	2nd Floor, “Dare House”, No.2, NSC Bose Road,Chennai – 600001, India. Phone: 044-3044 5400
Bharti Axa General Insurance Company Ltd.	1019	18001037712	customer.service@bharti-axagi.co.in	7th floor, Mercantile House, K.G.Marg, New Delhi – 110 001
Bajaj Allianz General Insurance Co. Ltd	1004	18002095959	bagichelp@bajajallianz.co.in	Bajaj Allianz House, Airport Road, Yerawada, Pune 411 006
Agriculture Insurance Company	1001	1800116515	fasalbima@aicofindia.com	Office Block-1, Floor – 5th, Plate-B & C, East Kidwai Nagar, Ring Road, New Delhi-110023

 

Pradhan Mantri Fasal Bima Yojana: Important information

• Till now 5.5 crore farmers have benefited from the scheme.
• In the first 3 years, 13,000 crores INR have been deposited by the farmers.
• The farmers in return have received a total of 60,000 crores INR. 
• The scheme is operating in 27 states and union territories.
• The claim ratio of the scheme is 88.3%.
• The government is making efforts so that farmers all over the country can enjoy the benefits of the scheme.
• Amendments have also been made to the scheme in the month of February 2021.
• Under the revisions made, people who have delayed paying their premium for a long time will not be eligible to get the benefits. 
• Insurance companies use 0.5% of the premium for communication, information and educational activities. 
• A central advisory committee has also been set up to ensure the proper implementation of this scheme. 
• Pradhan Mantri Fasal Bima Yojana has been implemented under the Aadhar act, that is it is mandatory for the farmer to have an Aadhar number in order to be eligible for the scheme. 
• The aim is to make sure that farmers feel safeguarded and secure while farming and do not have to worry about their livelihoods. 

 

Pradhan Mantri Fasal Bima Yojana: Latest updates

Premium deposited

The premium deposited so far within the scheme is about 13,000 crores INR. The farmers also received a compensation of 64,000 crores INR when the COVID pandemic struck. The share of premium stands at 2 percent for kharif crops, 1.5 percent for Rabi crops and 5 percent for horticultural and commercial crops. A total of 8,090 crores have been paid to the farmers.

Benefits reaped

For the year 2018-19, about 52,41,268 farmers got the claim amount. About 5.5 crore farmers apply for the scheme every year and 90,000 crores INR have been paid by the government to the farmers. The money is paid to the government through direct transfer to the bank accounts of the respective farmers. 

To get the benefits of the scheme, being registered under the scheme is mandatory and a farmer can do so offline and online. If a farmer holds a Kisan Credit Card, they do not need to register for the scheme separately as the premium amount will be deducted from there directly unless the farmer does not want to be a part of the scheme. 

The claims are usually settled through aadhar seeding. During the COVID-19 lockdown, a total of 8731.70 crores INR was paid to 7,00,000 farmers under the Pradhan Mantri Fasal Bima Yojana. 

• Under this scheme, the extra premium is provided by the state as well as the central governments. In the North-eastern states, about 90% of the premium is provided by the government and the rest by the farmer.
• The average sum under the scheme has been increased to Rs 40,700. Earlier it was Rs 15,100 per hectare. 
• Everything from pre-spring to post-harvest has been covered. Any natural calamity that stopped sowing or harvesting will be included under the scheme. Timely improvements have been made in the scheme to ensure that it progresses as times do. 

The registration process for crop insurance has begun

Registrations for the Rabi season of the Pradhan Mantri Fasal Bima Yojana have started. With this, the farmers who hold a Kisan credit card are already enrolled on the scheme. However, they do need to declare the condition of their crops to ensure that they can reap the benefits of the scheme. Farmers who hold a Kisan credit card but do not want to be a part of the scheme will have to make sure that they inform their banks before the deduction of the premium. 

Farmers will be paying 1.5% of the premium while the government pays the rest. 

• The premium of loanee farmers will be deducted automatically by the bank. The loanee farmers will not have to give a consent letter and all those loanee farmers who do not want to get the benefit under this scheme will have to submit a dissent letter to the bank.
• It will be required for all non-loanee farmers to give a consent letter to take advantage of crop insurance schemes. All the farmers have to contact any state-level cooperative bank, regional rural bank, commercial bank, or financial institution.

Madhya Pradesh Fasal Bima Yojana Update

The objective of the government is to provide the benefit of a crop insurance scheme to all farmers. Till date, 47 lakh farmers have benefited from the scheme. Every year 3 lakh new farmers join the scheme to reap the benefits of the same. About 4 lakh 29 thousand farmers of Ujjain have benefitted from the scheme and 855 farmers of Singrauli have also registered for the same.

In 2016 about 25 lakh farmers got their crops insured and this number rose to 45 lakhs in 2018.  The farmers have to pay only 2% of the premium amount, and the rest is borne by the central and state governments themselves. The farmers from Mandsaur, Sehore, Dewas, Rajgarh have got insurance under this scheme. Farmers without a Kisan Credit Card can get their crops insured from the representatives of the insurance companies. 

Uttar Pradesh Fasal Bima Yojana Update

The Uttar Pradesh government made a few updates to the scheme recently. The farmers will get to reap more benefits during natural calamities and the premium amount will be 1.5-2 per cent more. However, if there is a fire while threshing the crop or if it rains after the wheat harvesting, farmers will get no benefits and will have to face the losses themselves.

If a farmer wishes to get benefit from the scheme, they will have to approach the bank with all necessary documents and will have to deposit the same there for scrutiny. If found in order, the money is credited to the bank account of the farmers to make up for the losses they have faced. 

Under the scheme, about 35,000 farmers of Lucknow got their crops insured. If a farmer holds a Kisan credit card they do not need to get separate insurance but they will need to inform the government about the crop losses on the toll-free number – 18001030061. In Lucknow, Uttar Pradesh, 35,259 farmers got insurance for a premium of Rs 3.27 crore. There are a total of 2.29 lakh farmers in Lucknow and 172714 Kisan Credit Card holders. 

 

Pradhan Mantri Fasal Bima Yojana: Helpline number

Anyone with any concerns pertaining to the scheme can contact the toll-free number: 01123382012.