// Scheme sheet
- Responsible ministry / authority
- Ministry of Agriculture & Farmers Welfare
- Benefit type
- Insurance
- Coverage
- Central + state cost-share
- Who it is for — beneficiary group
- Farmers growing notified crops in notified areas
- What the beneficiary receives
- Insurance against crop loss from natural calamities, pests and disease, with claims settled against area-yield and localised assessments. New from kharif 2026: cover for wild animal attacks and paddy inundation.
- Eligibility
- All farmers, loanee and non-loanee, growing notified crops in notified areas in a season.
- Rules, limitations & exceptions
- Farmer premium is capped at 2% of sum insured for kharif food and oilseed crops, 1.5% for rabi, and 5% for annual commercial and horticultural crops; the balance is subsidised 50:50 by Centre and state, or 90:10 for north-eastern and Himalayan states. Crops and areas are notified each season. Damage must be reported within 72 hours.
- Required documents
- Land records, bank account, Aadhaar, sowing details (where applicable).
- How to apply
- Loanee farmers are enrolled through their banks; others can enrol at the portal, at banks, or through insurance companies before the season cut-off.
- Official portal
- https://pmfby.gov.in/
- Helpline / contact
- 14447
- Last verified
- 13 Sep 2026
A subsidised crop-insurance programme under which the farmer pays only a capped share of the premium and the government meets the rest. The farmer’s share has not changed since the scheme began: 2% of the sum insured for kharif food and oilseed crops, 1.5% for rabi, and 5% for annual commercial and horticultural crops. From kharif 2026 the scheme added cover for damage by wild animals and for paddy inundation. Enrolment for kharif closes on 31 July, and crop damage must be reported within 72 hours.