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Pradhan Mantri Fasal Bima Yojana (PMFBY) 2025–26 — Rabi season crop insurance registration has begun for the year 2025–26. Farmers across India (including Chhattisgarh and other states) can enroll under this scheme before the deadline to safeguard their Rabi crops like wheat, gram, mustard, lentils etc. Insurance application can be submitted online via the official portal or through CSC centres. Below are full details you need to know.
🌾 What is PMFBY?
The PMFBY is a flagship crop-insurance scheme launched by the Government of India in 2016, aimed at protecting farmers from financial loss due to crop failure caused by natural calamities, pests or diseases. Under the scheme, farmers pay a small subsidized premium — 2% for Kharif, 1.5% for Rabi food/oilseed crops and 5% for commercial/horticultural crops — while the remainder is covered by the government.
📅 Important Dates – PMFBY Rabi 2025–26
| Event | Date / Deadline |
|---|
| Start of Online Application | 01 December 2025 |
| Last Date to Apply / Submit | 31 December 2025 |
🌱 Eligible Rabi Crops under PMFBY 2025–26
- Wheat
- Gram / Chickpea
- Mustard / Rapeseed
- Lentils & other pulses
- Oilseeds (as notified per state)
💰 Premium & Insurance Cover Details
- Rabi Food & Oilseed Crops — Premium: 1.5% of sum-insured payable by farmer.
- Commercial / Horticultural Crops — Premium: 5% of sum-insured (if applicable)
- Government bears the remaining premium — making insurance affordable even for small and marginal farmers.
- Full coverage against natural calamities, pests, diseases, and other specified hazards.
👨🌾 Who is Eligible?
- Any farmer growing notified Rabi crops in a state where PMFBY is implemented.
- Landowner or tenant farmer — land lease / tenancy proof may be required for tenants.
- Farmers who apply before the deadline (31 December 2025) and pay the premium online or via CSC center.
📝 How to Apply for PMFBY 2025–26 (Rabi)
- Go to official PMFBY portal: pmfby.gov.in or use CSC centre for offline assistance.
- Click on “Farmer Registration / Apply Online”
- Enter Aadhaar number, land record, crop & season details
- Upload required documents (if any — e.g. tenancy proof, bank details etc.)
- Pay premium online or via CSC
- After payment, keep printout / soft copy for future reference — important for claim if crop damage occurs.
📄 Required Documents / Info
- Aadhaar Card
- Bank account details
- Land record / Khasra–Khatoni number
- Crop and season information (Rabi 2025–26)
- Phone number / contact details
- Optional: Lease / tenant proof (if land is leased)
✅ Why Farmers Should Opt PMFBY?
- Financial protection against crop loss due to natural calamities, pests & disease.
- Affordable premium — subsidized by central and state governments, making it accessible for small & marginal farmers.
- Peace of mind & income stability — ensures compensation if crops are destroyed or damaged.
- Encourages farmers to adopt modern farming practices without fear of financial loss.
⚠ Important Notes & Claim Process
- In case of crop damage / failure — insured farmers must intimate crop loss to the insurance company within 48–72 hours of loss.
- Keep a copy of application form / payment receipt — as proof of insurance.
- Claim will be assessed based on “area-approach basis” or notified yield threshold, depending on scheme norms.
- Ensure that personal & land records are accurate — any discrepancy may lead to rejection of claim.
🔗 Important Links
Latest Update: Farmers are urged to register under PMFBY before 31 December 2025 for Rabi season 2025–26 to ensure their crops are insured. Don’t wait — apply early to avoid last-minute rush.
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