Pradhan Mantri Fasal Bima Yojana

Cabinet approved the Prime Minister’s Crop Insurance Scheme on January 13, 2016 to remove the uncertainties in relation to the farmers’ crop. The Prime Minister’s Crop Insurance Scheme will reduce the loss of farmers’ crops due to natural calamities, by reducing the premiums of the farmers to a limit. 8,800 crore rupees will be spent for this scheme. Under the Prime Minister’s Crop Insurance Scheme, farmers will pay a premium of 2% premium for the kharif crop and 1.5% premium for Rabi crop, fixed by insurance companies. In this, insurance installments to be paid by farmers against poor crops due to natural calamities have been kept very low, which can be easily paid by farmers to each level. This scheme not only provides protection for Kharif and Rabi crops but also for commercial and horticultural crops, for the annual commercial and horticultural crops, farmers will have to pay 5% premium (installment).   To know more Visit :            or

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Guidelines of Insurance Schemes

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Guidelines of Insurance Schemes

The main facts covered in this crop insurance scheme are:

The premium (installment) rates paid for the Prime Minister’s Crop Insurance Scheme has been kept very low for the convenience of the farmers so that farmers of all levels can easily take advantage of crop insurance.

Under this, all types of crops (Rabi, Kharif, Commercial and Horticulture crops) have been included. 2% premium will be paid for the crops of kharif (paddy or rice, maize, jowar, bajra, sugarcane etc.). 1.5% premium will be paid for Rabi (wheat, barley, gram, lentils, mustard etc.) crop. 5% premium will be paid for annual commercial and horticultural crops.

There is no upper limit on government subsidy. If the remaining premium is 90% then it will be borne by the government.

The remaining premium insurance companies will be given by the government. This will be divided equally between the state and central government.

This scheme replaces the National Agricultural Insurance Scheme (NAIS) and the Revised National Agriculture Insurance Scheme (MNAIS).

Its premium rate is NAIS. And M.N.A.I.S. It is much less than both schemes and also covers the entire sum insured against these two plans.

Earlier, there was a provision to cover premium rates in the schemes, which resulted in lower claims of payment for farmers. These capping was to limit the expenditure of the government subsidy, which has now been removed and the full claim against the amount claimed by the farmer without any reduction will be obtained.

Under the Prime Minister’s Crop Scheme, the compulsory use of the technology will be done, so that the farmers can immediately assess the loss of their crops through mobile only.

Under the Prime Minister’s Crop Scheme, the government has spent a whopping 8,800 crores as well as 50% of the farmers are covered.

Such as man-made disasters; Fire, burglary, denting etc. are not included under this scheme.

In order to bring uniformity in the premium rates, all the districts in India will be split into groups on long term basis.

This new crop insurance scheme is based on the theme ‘One nation one plan’. Keeping all the goodies of old schemes, it removes the shortcomings and the evils of those schemes.



District Statistical Office, Collectorate, Sheikhpura

District Statistical Office, Collectorate, Sheikhpura-811105
Location : District Statistical Office, Collectorate, Sheikhpura | City : Sheikhpura | PIN Code : 811105
Phone : 06341224903 | Mobile : 9431208685 | Email : dao-she-bih[at]nic[dot]in