Before starting the application, farmers should confirm their eligibility, keep the required documents ready and calculate the applicable premium based on the selected crop and insured area. Completing these steps in advance helps ensure a smooth and error-free registration process.
PM Fasal Bima Yojana is one of the important Central Government Schemes aimed at providing financial protection to farmers against crop-related risks.
This article explains the complete PM Fasal Bima Yojana Online Apply 2026 process, including farmer registration, eligibility criteria, required documents, Premium Calculator, premium rates and other important information needed to submit a successful crop insurance application.
PM Fasal Bima Yojana 2026 - Key Highlights
| Particulars | Details |
| Scheme Name | Pradhan Mantri Fasal Bima Yojana (PMFBY) |
| Launch Date | 18 February 2016 |
| Launched By | Prime Minister Narendra Modi |
| Objective | Provide affordable crop insurance against natural calamities, pests and crop diseases |
| Beneficiaries | Eligible farmers cultivating notified crops |
| Registration Mode | Online, CSC Centres and Participating Banks |
| Crop Seasons | Kharif, Rabi and Annual Commercial/Horticultural Crops |
| Insurance Premium Calculator | Available on PMFBY Portal |
| Farmer Premium | 2% (Kharif), 1.5% (Rabi), 5% (Commercial/Horticultural Crops) |
| Official Website | https://pmfby.gov.in/ |
How to Apply Online for PM Fasal Bima Yojana 2026
Eligible farmers can submit their crop insurance application through the official PMFBY portal by following these steps:Step 1: Visit the official website: https://pmfby.gov.in
Step 2: On the homepage, click "Farmer Corner Access - Apply for Crop Insurance by Yourself (Enroll Now)"
Step 4: New users will be redirected to the PMFBY Farmer Registration page.
- Personal Details
- Residential Details
- Farmer ID
- Bank Account Details
Step 7: Click Create User to submit the registration request.
Step 8: After receiving approval through SMS or email, log in using your registered mobile number and OTP.
Step 9: Fill in the crop insurance application by entering crop details, land information and other required particulars.
Step 10: Review the information carefully and submit the application.
After successful submission, keep the acknowledgement or reference details safely for future use.
Pradhan Mantri Fasal Bima Yojana Farmer Login Process
Farmers who have already created an account can log in anytime to continue their application. Follow these steps:- Visit PMFBY Farmer Login Page
- Enter your registered mobile number and captcha code.
- Click "Request for OTP" button.
- Verify the OTP received on your mobile phone.
- Access your farmer dashboard and complete or manage your crop insurance application.
PM Fasal Bima Yojana Eligibility
Farmers must satisfy the eligibility conditions prescribed for the notified crop season before applying. Generally, the following categories are eligible:
- Farmers cultivating notified crops in notified areas.
- Owner cultivators.
- Sharecroppers and tenant farmers, wherever permitted under State Government guidelines.
- Farmers applying within the prescribed enrolment period.
- Applicants possessing valid land and crop details.
Documents Required for PMFBY Online Apply
Applicants should keep the following documents ready before starting the registration process:- Aadhaar Card
- Aadhaar-linked Mobile Number
- Bank Account Details
- Land Ownership Record or cultivation proof
- Crop Sowing Details
- Passport-size Photograph (if required)
- Farmer ID (where applicable)
PMFBY Insurance Premium Calculator
Before applying for crop insurance, farmers can estimate the premium amount payable using the online Premium Calculator available on the PMFBY portal. To calculate the insurance premium:- Visit Pradhan Mantri Fasal Bima Yojana Portal
- Click "Insurance Premium Calculator - Calculate Now" to open the premium calculator page as shown below:
- Select the following details:
- Season (Kharif or Rabi)
- Year
- Scheme Name
- State
- District
- Crop
- Click "Check Premium".
PM Fasal Bima Yojana Premium Rates
The maximum insurance charges payable by farmers under PMFBY are as follows:| Crop Category | Farmer's Contribution |
| Kharif Foodgrain & Oilseed Crops | 2% of the Sum Insured or Actuarial Rate, whichever is lower |
| Rabi Foodgrain & Oilseed Crops | 1.5% of the Sum Insured or Actuarial Rate, whichever is lower |
| Annual Commercial & Horticultural Crops | 5% of the Sum Insured or Actuarial Rate, whichever is lower |
Any premium amount beyond the farmer's contribution is jointly subsidised by the Central and State Governments.
What is PM Fasal Bima Yojana?
Pradhan Mantri Fasal Bima Yojana (PMFBY) is a Central Government crop insurance scheme that provides financial protection to farmers when insured crops are affected by unforeseen events such as drought, floods, cyclones, excessive rainfall, hailstorms, pest attacks or crop diseases. The scheme helps reduce financial losses and supports farmers in continuing agricultural activities after crop damage.Insurance coverage is available for notified food crops, oilseeds, annual commercial crops and horticultural crops cultivated during the notified crop seasons. Farmers pay only a limited share of the insurance premium, while the remaining premium is shared by the Central and State Governments, making crop insurance affordable and accessible.
Objectives of PM Fasal Bima Yojana
The scheme has been introduced to strengthen India's agricultural sector by:- Providing financial assistance to farmers suffering crop losses due to unforeseen events.
- Stabilising farmers' income after crop damage.
- Encouraging adoption of modern and improved agricultural practices.
- Ensuring the continuous flow of agricultural credit.
- Promoting food security, crop diversification and sustainable farming.
Participating Insurance Companies
Crop insurance under PMFBY is implemented through empanelled insurance companies assigned for different States and districts. Some of the major participating insurers are:- Agriculture Insurance Company of India (AIC)
- Bajaj Allianz General Insurance
- HDFC ERGO General Insurance
- ICICI Lombard General Insurance
- IFFCO Tokio General Insurance
- National Insurance Company
- New India Assurance
- Oriental Insurance
- Reliance General Insurance
- Royal Sundaram General Insurance
- SBI General Insurance
- Shriram General Insurance
- Tata AIG General Insurance
- United India Insurance
- Universal Sompo General Insurance
- KSHEMA General Insurance
Useful PMFBY Links
| Service | Link |
| Official Portal | https://pmfby.gov.in/ |
| Farmer Registration | https://pmfby.gov.in/farmerRegistrationForm |
| Farmer Login | https://pmfby.gov.in/farmerLogin |
| CSC Login | https://pmfby.gov.in/csclogin |
| Administrative Dashboard | https://pmfby.gov.in/adminStatistics/dashboard |
| CEO Dashboard | https://pmfby.gov.in/ceo/dashboard |
| Registration & Login Tutorial (PDF) | https://pmfby.gov.in/tutorials/State-Government.pdf |
| Frequently Asked Questions | https://pmfby.gov.in/faq |
Pradhan Mantri Fasal Bima Yojana FAQs
Q1. Who can apply for PM Fasal Bima Yojana?Eligible farmers cultivating notified crops in notified areas, including owner cultivators and eligible tenant/sharecropper farmers as permitted under State Government guidelines.
Q2. Is Aadhaar mandatory for PMFBY registration?
Yes. Aadhaar verification is required during the online registration process.
Q3. Can I calculate the insurance premium before submitting my application?
Yes. The official PMFBY portal provides an online Premium Calculator that estimates the premium payable based on your crop, season and insured area.
Q4. Can I apply online without visiting a bank?
Yes. Farmers can register and submit applications directly through the PMFBY portal. Applications can also be submitted through Common Service Centres (CSCs) or participating banks.
Q5. What are the premium rates under PMFBY?
Farmers pay a maximum of 2% for Kharif foodgrain and oilseed crops, 1.5% for Rabi foodgrain and oilseed crops, and 5% for annual commercial and horticultural crops. The remaining premium is subsidised by the Government.
Yes. Aadhaar verification is required during the online registration process.
Q3. Can I calculate the insurance premium before submitting my application?
Yes. The official PMFBY portal provides an online Premium Calculator that estimates the premium payable based on your crop, season and insured area.
Q4. Can I apply online without visiting a bank?
Yes. Farmers can register and submit applications directly through the PMFBY portal. Applications can also be submitted through Common Service Centres (CSCs) or participating banks.
Q5. What are the premium rates under PMFBY?
Farmers pay a maximum of 2% for Kharif foodgrain and oilseed crops, 1.5% for Rabi foodgrain and oilseed crops, and 5% for annual commercial and horticultural crops. The remaining premium is subsidised by the Government.
Conclusion
Pradhan Mantri Fasal Bima Yojana 2026 provides an affordable crop insurance facility that helps farmers safeguard their crops against losses caused by natural calamities, adverse weather conditions, pests and crop diseases. By completing the registration through the official PMFBY portal, eligible farmers can calculate the insurance premium in advance and submit their crop insurance application with ease.Before applying, ensure that your Aadhaar details, bank account information, land records and crop details are accurate to avoid delays during verification. After your application is successfully submitted, you can monitor its progress through our separate guide on PMFBY List & Status 2026, which explains how to check your application status and beneficiary information online.
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