PM Fasal Bima Yojana: Coverage, Documents & Registration; Step-By-Step Guide

As July ushers in heavy monsoon rains across many regions of India, farmers begin the vital sowing season for paddy and other Kharif crops. While the rain brings life to the fields, extreme weather conditions such as floods, droughts, or pest attacks can devastate standing crops in moments.

To protect farmers from these risks, the Indian government’s flagship initiative, the Pradhan Mantri Fasal Bima Yojana (PMFBY), offers crop insurance and damage compensation. Farmers are urged to enrol before the official deadline on 31st July 2025 to ensure coverage for this season.

PMFBY 2025 Last Date for Registration

The Government of India has confirmed 31st July 2025 as the final date for farmers to register under PMFBY for Kharif crops.

What is PMFBY?

Launched in 2016, the Pradhan Mantri Fasal Bima Yojana helps farmers recover financially from crop losses due to unpredictable weather or pests. The scheme is managed by the Ministry of Agriculture and Farmers Welfare, in partnership with state governments and insurance companies.

Farmers pay a nominal premium:

• 2% for Kharif crops
• 1.5% for Rabi crops
• 5% for commercial/horticultural crops

The remaining premium is subsidised by the government.

Who Can Apply for PMFBY 2025?

• Loanee farmers: Those with seasonal crop loans are automatically enrolled, unless they opt out.
• Non-loanee farmers: Need to register independently before the deadline.

This season, crops covered include paddy, arhar, groundnut, jowar, moong, soybean, maize, urad, sesame, and bajra.

How to Register for PMFBY Kharif 2025

• Visit the official website: pmfby.gov.in
• Complete registration using Aadhaar and mobile details
• Enter crop and bank details
• Submit the form to receive insurance coverage

Documents Required

• Aadhaar Card
• Bank Passbook
• Sowing Declaration (crop and area details)
• Land Ownership Records (Khatauni)

How to Claim Crop Insurance Under PMFBY

If crops are damaged within 14 days of harvest or due to disasters, a claim must be filed within 72 hours via:

• Krishi Rakshak Portal
• Helpline number: 14447
• Crop Insurance App

After filing:

• A joint survey is conducted by insurance officials and agriculture officers
• The claim form is completed on-site
• Once verified, compensation is credited to the farmer’s bank account within two months

Why Registration Matters

With changing climate and rising risks, PMFBY acts as a financial shield, helping farmers recover and invest in the next season. Particularly in key agricultural states like Uttar Pradesh, this scheme supports rural prosperity and contributes to India’s goal of becoming self-reliant.

For region-specific deadlines and details, farmers should check their respective state government websites.