Pradhan Mantri Fasal Bima Yojana: Natural disasters in India often lead to crop failure. In such a situation, farmers have to suffer a lot of losses. To save the farmers from this loss, the Ministry of Agriculture and Farmers Welfare, Government of India has started the Pradhan Mantri Crop Insurance Scheme (PMFBY) from the year 2016.
Pradhan Mantri Fasal Bima Yojana: Pradhan Mantri Crop Insurance Scheme is very beneficial for those farmers whose crops are destroyed due to natural calamity. This scheme will help in reducing the burden of premium, which farmers take loans for their farming and will also save the crops from damage due to bad weather. This scheme has been implemented in every state of India in collaboration with the respective state governments. Coverage of food crops (grains, millets and pulses), oilseeds, annual commercial / annual horticultural crops will be done under this scheme.
Plan highlights
Farmers have to pay a uniform premium of only 2 per cent for all kharif crops and 1.5 per cent for all rabi crops. In case of commercial and horticultural crops, the premium will be 5 percent. The remaining premium will be paid by the government, so that in case of any natural calamity, full insured amount can be provided to the farmers for crop loss. Earlier, there was a provision of capping at the premium rate, due to which the farmers had to pay less claims.
Objectives of the scheme
To provide insurance coverage and financial assistance to farmers in the event of failure of any of the notified crops as a result of natural calamities, pests and diseases. To ensure the continuous process of farmers in agriculture, to give stability to their income. Encouraging farmers to adopt innovation and modern methods in agriculture and ensure the flow of credit in agriculture.
Farmers Coverage
All farmers including notified farmers growing tenant / tenant farmers in notified areas are eligible for coverage. All farmers who have taken loans for seasonal agricultural operations (SAO) for crops notified from the mandatory constituent financial institutions will be eligible. Voluntary component The scheme will be optional for non-indebted farmers. Special efforts will be made to ensure maximum coverage of SC / ST / women farmers under the scheme. Under this, the budget allocation and utilization will be in proportion to the land holding by the SC / ST / general category of the state concerned.
Risk coverage
Sowing / Plantation related risk:
Sowing / planting interruption due to low rainfall or adverse seasonal conditions in the insured area.
Steep crops (from sowing to harvesting):
non- preventable risks such as drought, famine, flood, inundation, pests and diseases, landslides, natural fires and lightning, hurricanes, hail, cyclones, thunderstorms, tempest, hurricanes and tornadoes Due to loss of yield due to etc.
Post-harvest losses:
Coverage is available for a maximum period of two weeks from harvesting to post-harvest conditions posed by specific hazards of cyclones, cyclonic rains and unseasonal rains.
Localized disasters:
In the notified area due to loss due to local risk event like torrential rains, landslides and floods.
Which documents are needed?
A photo of the farmer ID card of the farmer (PAN card, driving license, voter ID card, passport, Aadhaar card) Farmer’s address proof (Driving license, Voter ID card, passport, Aadhaar card) If the farm is your own then its Khasra number Keep the account number paper together. The crop has been sown in the field, proof will have to be presented. As a proof of this, farmers can get a letter written by people like Patwari, Sarpanch, Pradhan. If the crop has been sown by renting or renting the field, then take a photocopy of the copy of the agreement with the owner of the farm. The account / Khasra number of the farm should be clearly written in it. In the event of crop damage, it is necessary to put a canceled check to get the money directly in your bank account.
Some other things to keep in mind
Within 10 days of sowing the crop, you are required to fill the form of this scheme. If your crop is damaged due to natural disaster between 14 days from harvesting, you can still avail the insurance scheme. The benefit of the insurance amount will be given only if your crop has been damaged due to a natural disaster. Smart phones, remote sensing drones and GPS technology are used to collect harvesting data and upload it to the site to reduce delays in claim payments.
