Scheme
PMFBY
PMFBY
The Pradhan Mantri Fasal Bima Yojana (PMFBY) is a flagship crop insurance scheme launched by the Government of India to provide financial protection to farmers against crop losses arising from unforeseen natural calamities, pests, and diseases. In our extensive experience working with the farming community in Kasaragod district, we have observed that crop insurance is a critical safety net that enables farmers to recover from losses and continue cultivation with confidence. While Vikas Agro Service specialises in providing high-quality pumpsets, irrigation systems, and agricultural machinery, we recognise the importance of insurance coverage as part of a comprehensive risk management strategy for farmers. [1]
PMFBY, launched in 2016, replaced the earlier National Agricultural Insurance Scheme (NAIS) and Modified NAIS to provide more comprehensive and affordable coverage to farmers across India. The scheme is implemented by the Ministry of Agriculture and Farmers Welfare and covers all food crops, oilseeds, and commercial/horticultural crops. The government provides substantial premium subsidies to ensure that insurance remains affordable for small and marginal farmers. Based on our engagement with farmers, we have found that timely enrolment and accurate documentation are key to ensuring smooth claim settlement. [1]
The PMFBY scheme offers the following features, as per the official guidelines:
PMFBY is open to all farmers—including sharecroppers and tenant farmers—who are cultivating notified crops in notified areas. The premium rates are structured to be affordable for all categories of farmers:
The remaining premium amount is shared equally between the central and state governments as subsidy. Farmers are encouraged to check the latest state-wise crop notifications and cut-off dates on the official portal to ensure timely enrolment.
As per the official PMFBY guidelines, the following documents are typically required for enrolment:
Tenant farmers and sharecroppers may need additional documents, such as a rent agreement or an affidavit, as per state-specific requirements.
The PMFBY scheme provides several tangible benefits to the farming community, as highlighted on the official portal:
Farmers can enrol for PMFBY through the following channels:
In our experience assisting farmers in Kasaragod, we have found that early enrolment—well before the cut‑off date—is critical to avoid rejection. We recommend that farmers verify the notified crops and seasonal cut‑off dates for their specific district on the official portal. While Vikas Agro Service does not directly handle insurance applications, our team can guide farmers on documentation requirements and refer them to the appropriate authorities.
Vikas Agro Service, with over 35 years of dedicated service to the farming community in Kasaragod district, Kerala, is committed to supporting farmers through every aspect of modern agriculture—from reliable pumpsets and irrigation systems to high-quality farm machinery and expert technical advice. While we do not directly administer crop insurance, we strongly encourage farmers to protect their investments through schemes like PMFBY, which provide a crucial safety net against unpredictable natural risks. Our team is always available to help farmers understand their options and connect them with the right resources. Please note: all scheme‑related benefits, premium rates, eligibility criteria, and claim processes are governed by government notifications and are subject to change. Farmers are advised to verify the latest details from the official PMFBY portal (pmfby.gov.in) or their local agriculture department before enrolment.