Pradhan Mantri Fasal Bima Yojana (PMFBY) is India’s official crop insurance scheme that protects farmers against the financial impact of crop loss caused by droughts, floods, pests and diseases. The scheme covers both Kharif and Rabi crops and offers low, government‑subsidised premium rates to make crop insurance affordable for all farmers.
Key Takeaways
- PMFBY is India’s official government crop insurance scheme.
- Covers Kharif, Rabi and some annual commercial/horticultural crops
- Protects farmers from weather, pest and disease‑related crop losses
- Low farmer premium: 2% for Kharif, 1.5% for Rabi, 5% for commercial/horticultural crops
- State‑wise PMFBY last dates and village lists must be checked every season
- Kshema simplifies PMFBY enrolment, tracking and claims using digital tools
Introduction:
A single bad season can create heavy financial pressure for farmers due to unpredictable rainfall, pest attacks or crop diseases. PMFBY crop insurance 2025 helps reduce this risk by protecting farmers against major crop losses. In this guide, you will learn how to check the PMFBY last date (including Rabi 2025), how to check PMFBY status in India, who is eligible, how to confirm the village list, and how Kshema supports farmers throughout the PMFBY process.
PMFBY Crop Insurance Status India 2025: Latest Update
The PMFBY scheme is active for 2025, but its status changes state‑wise and season‑wise. Each state releases a PMFBY notification listing:
- Notified crops
- Notified villages/areas
- Premium rates
- Enrolment windows and last dates
Farmers should check their state agriculture department, bank branch, co‑operative society or CSC centre to confirm whether PMFBY is open for their crop and village.
PMFBY Last Date 2025 (Kharif & Rabi): How to Check
- Select your state and season (Kharif or Rabi).
- Confirm your crop and area are notified for PMFBY for that season.
- Check the latest enrollment cut-off date mentioned in the state/season notification.
- Submit your application before the cut-off date shown for your state and season.
- Save your acknowledgement or application reference for tracking later.
Steps to confirm your PMFBY last date
- Select your state and season (Kharif/Rabi).
- Check whether your crop is notified.
- Read the latest state or district PMFBY notification.
- Note the exact enrolment last date.
- Apply before the deadline and keep your acknowledgement number.
PMFBY Rabi 2025 last date (important note)
Rabi deadlines vary across states. Always refer to your state’s Rabi 2025 PMFBY notification to check the exact last date for your district and crop.
PMFBY Eligibility Criteria for 2025
Farmers can apply if they:- Grow notified crops in notified villages
- Apply before the official last date
- Provide correct land and crop details
- Land‑owning farmers
- Tenant farmers (state‑specific rules)
- Sharecroppers (where permitted)
PMFBY Village List 2025: How to Check Your Village
Each state publishes a list of notified villages covered under PMFBY.
Steps to check the village list
- Visit your state agriculture department website.
- Select your district and block/taluka.
- Open the “Notified Village List – 2025” for your season.
- Confirm your village and crop are listed.
This ensures you apply only for crops covered in your area.
PMFBY Crop Insurance 2025 – Scheme Benefits and Coverage
Ready to apply for crop insurance?
But what if there was a safety net, a shield against these uncertainties? Pradhan Mantri Fasal Bima Yojana (PMFBY), the world’s largest crop insurance scheme, is performing this role admirably while quietly revolutionising farmer wellbeing across India.
Apply for PMFBY crop insurance in minutes:
- Covers 100+ crops
- Choose from 8 perils
- Fast claims via Kshema App
- Quick application through Kshema App
The Unseen Burden: Farmer Distress in India
Farming in India is becoming increasingly uncertain due to erratic weather, rising input costs and crop losses. A single failed season can push families into debt or distress. PMFBY helps reduce this burden by offering financial support when crops are damaged, allowing farmers to recover faster and continue farming confidently.
Benefits of PMFBY Crop Insurance for Farmers in 2025
- 2% for Kharif crops,
- 1.5% for Rabi crops, and
- 5% for annual commercial/horticultural crops
How can farmers apply for PMFBY crop insurance via the Kshema App?
Since its inception:
- 29.19 crore farmer applications have been insured.
- INR 95,000+ crore in claims have been paid out.
- The scheme has reached 498 districts across 21 States/UTs.
PMFBY Claim Statistics: 2024–2025:
- 9.58 crore applications were processed.
- INR 19,66,201 lakh in gross premiums were collected.
- INR 7,08,022 lakh in claims were paid out.
- 58.92 lakh farmers received direct benefits.
These figures aren’t just statistics. They represent families able to rebuild, children continuing their education, and communities with a renewed sense of security.
Top Benefits of PMFBY Crop Insurance for Small Farmers in 2025?
How Does Kshema Support PMFBY Implementation?
Kshema General Insurance helps farmers enrol easily and receive timely claim support. Through field teams, satellite-based assessments and digital tools, Kshema simplifies the PMFBY process for farmers. In recent seasons, Kshema has supported lakhs of farmers across India with enrolment help, awareness programmes and improved claim processing.
Kshema’s Role in PMFBY Implementation & Farmer Support
While PMFBY provides the framework, its successful implementation relies on dedicated partners. This is where insurance providers like Kshema General Insurance play a crucial role. Kshema has been instrumental in bridging the gap between the scheme and farmers, particularly in underserved regions.
In the 2023–24 Kharif season, Kshema processed 581,606 applications and disbursed INR 160+ crore in claims across the three districts of Sri Ganganagar, Bundi, and Alwar only in Rajasthan.
Kshema’s work under PMFBY involves:
- Farmer Mobilisation and Awareness: Educating farmers about the benefits of PMFBY and guiding them through the enrolment process.
- Technology-driven Solutions: Utilising satellite imagery, geospatial analytics, and mobile apps for efficient data collection, claim processing, and communication.
- Ground-level Support: Providing direct assistance to farmers in filing claims and navigating the insurance process.
In states from some of the biggest like Uttar Pradesh, Madhya Pradesh, Karnataka, and Telangana to smaller states like Manipur and union territory like Andaman, Kshema has actively worked with thousands of farmers, ensuring they understand and benefit from PMFBY and its associate product RWBCIS. In a recent season, Kshema facilitated the enrolment of over 5 lakh farmers, processing claims worth INR 500 crore, demonstrating its efficiency and reach in ensuring farmers receive timely compensation.
Despite challenges, —including misinformation and resistance during field surveys, —Kshema remains committed to ensuring that every legitimate claim is settled swiftly, safeguarding both farmers and public funds.
Beyond Insurance: Building Resilience
PMFBY is more than financial protection—it encourages farmers to adopt better practices, invest in better seeds and manage climate risks confidently. Kshema supports this effort through farmer education, field support and digital tools that help farmers make informed decisions.
The Future of Farmer Wellbeing
As India continues to grapple with the challenges of climate change, food security, and rural distress, Pradhan Mantri Fasal Bima Yojana (PMFBY) gives hope to millions of farmers. With continued support from stakeholders like Kshema, the scheme is evolving to become more inclusive, efficient, and responsive to farmers’ needs.
At Kshema, we believe that every farmer deserves protection, dignity, and peace of mind. Our work under PMFBY is a testament to this belief—a commitment to transforming agriculture from a gamble into a secure and rewarding profession.
The story of PMFBY is not just about numbers and policies. It is about the millions of farmers who sleep better at night, knowing that their crops, their incomes, and their futures are protected. And in that story, Kshema is proud to play an impactful role. For a broader perspective on how agricultural insurance is evolving to support farmers across India, read this analysis by The Hindu BusinessLine on transforming India’s insurance landscape.
Trusted References
- The official Pradhan Mantri Fasal Bima Yojana portal provides complete details on crop insurance coverage and enrollment. Official PMFBY Portal
- The Ministry of Agriculture & Farmers Welfare manages PMFBY implementation across India. Official Agriculture Source
PMFBY Crop Insurance FAQs for Indian Farmers in 2025
1. What is PMFBY and Who can apply for PMFBY?
PMFBY (Pradhan Mantri Fasal Bima Yojana) is India’s crop insurance scheme. In 2025,Farmers growing notified crops.
2. How do I apply for PMFBY crop insurance through the Kshema app?
3. Which crops are covered under PMFBY?
Both Kharif and Rabi crops are covered.
4. What risks does PMFBY cover?
Natural calamities, pests, and crop diseases.
5. How to apply for PMFBY?
Farmers can apply through banks, CSC centers, or the official PMFBY portal.
Summary
PMFBY reduces financial risk by providing affordable crop insurance coverage.
