PM Fasal Bima Yojana: (PMFBY) is a major government scheme launched to protect farmers from crop losses caused by natural disasters, weather changes, pests, or diseases. Under this scheme, farmers can insure their crops by paying a very low premium, ensuring financial protection in case of damage.
Big Update for 2025
Rabi Season 2025–26 Insurance Application Started
The government has opened applications for Rabi crops such as wheat, mustard, and gram.
Key points:
- Farmers can apply for crop insurance until 31 December 2025
- Insurance is available district-wise based on crop type
- The update has been introduced due to increasing risks from unusual rainfall, cold waves, and unpredictable weather conditions
Newly Added Crop Loss Factors
The government has expanded the coverage under PM Fasal Bima Yojana. New risk factors now included are:
- Flood and waterlogging
- Excessive rainfall
- Damage caused by wild animals
This expansion will benefit thousands of farmers who previously did not receive compensation for these types of losses.
Technology-Based Survey & Faster Claim Settlement
In 2025, the government has strengthened the use of modern technology for crop loss assessment:
- Digital surveys
- Drone mapping
- Satellite imaging
These tools help in faster and more accurate estimation of crop damage, ensuring that compensation reaches farmers quickly.
Large-Scale Compensation Distribution
Many districts have already issued significant compensation amounts to farmers affected by crop damage. Lakhs of farmers across several states have received direct payments into their bank accounts under this scheme.
Why PM Fasal Bima Yojana Is Important for Farmers
- Reduces the financial risk of farming
- Provides protection against natural calamities
- Ensures financial stability during crop loss
- Helps farmers prepare for the next crop season
- Offers large insurance cover at very low premium
Who Can Apply?
The following categories of farmers are eligible:
- Farmers who own cultivable land
- Sharecroppers and tenant farmers (as per state rules)
- Farmers growing Kharif or Rabi crops
- Applicants with completed KYC and an active bank account
How to Apply for PM Fasal Bima Yojana
Farmers can apply offline or online.
Offline Application (CSC Center)
- Visit your nearest CSC center
- Carry:
- Aadhaar Card
- Bank Passbook
- Land documents
- Fill in crop and insurance details
- Pay the premium
- Keep the receipt safely
Online Application
Farmers must enter correct details such as crop type, land area, and land records to avoid claim issues.
Conclusion
The PM Fasal Bima Yojana 2025 offers a strong financial shield to farmers. The new updates bring wider coverage, faster compensation, and more efficient technology-driven processes. With the Rabi season deadline approaching, farmers are advised to complete their insurance on time to stay protected against natural calamities and financial losses.
