Pradhan Mantri Fasal Bima Yojana (PMFBY)
प्रधानमंत्री फसल बीमा योजना (फसल सुरक्षा कवच)
Prakritik Aapda, Sookha, Baadh Aur Keet-Rog Se Fasal Nuksan Par 100% Compensation
Yojana Ka Uddeshya & Overview (परिचय)
Pradhan Mantri Fasal Bima Yojana (PMFBY) desh ke kisano ko prakritik aapdaon (jaise sookha, baadh, ole padna, bina mausam barish, chakrawat aur keet-rog) se fasal ke nuksan par aarthik suraksha pradan karti hai. Isme kisan ko matra 1.5% se 2% ka mamooli premium dena hota hai jabki baki ka poora premium kendra aur rajya sarkar milkar deti hai.
Labh & Financial Benefits (योजना के फायदे)
- ✓Sabse Kam Premium Dar: Kharif fasal par matra 2%, Rabi fasal par 1.5% aur bagwani (commercial crops) par matra 5% premium.
- ✓Comprehensive Risk Coverage: Fasal bone se lekar katai ke 14 din baad tak hone wale nuksan ka bima.
- ✓Local Calamities Compensation: Ole padne ya jala-bhorav hone par 72 ghante ke andar direct survey aur claim.
- ✓Direct Benefit Transfer (DBT): Claim ki rashi seedhe kisan ke bank khate mein aati hai.
Patrata & Eligibility Criteria (पात्रता शर्तें)
- ●Sabhi kisan (chahe unke paas KCC loan ho ya bina loan wale kisan hon) patra hain.
- ●Sharecroppers (batai-dar) aur patte-dar kisan bhi iska labh le sakte hain.
- ●Notified kshetra mein notified fasal boyi gayi ho.
Zaroori Dastavez (Required Documents Checklist)
- 📄Aadhaar Card
- 📄Bank Passbook (Aadhaar linked)
- 📄Zameen ki Khatauni / Khasra-Khatauni
- 📄Sowing Certificate (Fasal boyi praman patra / Patwari report)
- 📄Batai-dar hone par Rent Agreement
Online Avedan Kaise Karein (Step-by-Step Apply Guide)
Step 1: Farmer Registration
pmfby.gov.in portal par jayein aur 'Farmer Corner' par click karein. Guest Farmer ke roop mein login karein.
Step 2: Crop & Land Details Entry
Apna rajya, zila, tehsil, khasra number aur fasal (dhan, gehu, sarson aadi) select karein.
Step 3: Premium Payment
Calculated mamooli premium amount (jaise ₹300-₹500) online debit card/UPI se pay karein.
Step 4: Insurance Policy Receipt
Policy receipt download karein jisme Insurance Company ka naam aur policy number hota hai.
Application Status & e-KYC Kaise Check Karein
- 1pmfby.gov.in par 'Application Status' par click karein, Application/Receipt Number dalein aur check karein.
Frequently Asked Questions (महत्वपूर्ण सवाल-जवाब)
❓Nuksan hone par kitne samay mein suchit karna hota hai?
Prakritik aapda aane ke 72 ghante ke andar portal par, Crop Insurance App par ya toll-free number 14447 par inform karna anivarya hota hai.
Taiyar Hain Avedan Karne Ke Liye?
Seedhe official government portal par 1-click me aavedan karein.