Sowing of Kharif Crops has started with the arrival of the monsoon in the country. The government has issued a notification for Crop Insurance. The Agriculture Department has said that farmers should insure their crops for protection from natural disasters. The process of getting insurance for Kharif crops 2020 has started in most of the states.
Farmers who have taken crop loans through Kisan Credit Card (KCC), their crop automatically comes under the purview of insurance. Other farmers can insure the crop as per their choice. Crop insurance or fasal bima can also be done at the Common Services Centers.
It is important to mention that crop insurance is voluntary and it is completely farmers decision to insure his crop or not. Every year, due to flood, storms, hailstorms, heavy rains or drought, farmers' crops get destroyed. To protect crops from natural havoc, the Central Government has launched the Pradhan Mantri Fasal Bima Yojana (PMFBY). The scheme was launched on 13 January 2016.
Those farmers who want to insure their crop can register themselves on the official website of the Pradhan Mantri Fasal Bima Yojana - https://pmfby.gov.in/. Farmers can also take advantage of this scheme by going to their nearest bank.
Under PMFBY, farmers have to pay 2 percent premium for Kharif crop and 1.5 percent premium for Rabi crop. The scheme also provides insurance cover for commercial and horticultural crops. In this, however, farmers have to pay a 5 percent premium.
Documents required for PMFBY
Important documents required for PMFBY are
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Identity proof of the farmer such as PAN card, driving license, voter ID card, passport, Aadhaar card.
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Address proof like driving license, voter ID card, passport or Aadhaar card
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Photo copy of field Khasra number / account number is required.
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You have to provide proof of sowing of crop in the field.
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A cancelled cheque is required along with all the papers.
How to apply for PMFBY
Go to the official website of PMFBY - https://pmfby.gov.in/
Click on Farmers corner on the homepage
Now Login with your Mobile number and if you don’t have an Account then Login as Guest Farmer
Enter all required details like name, address, age, state
Finally click the submit button.
PMFBY: Direct link to apply here
Pradhan Mantri Fasal Bima Yojana
Important points to keep in mind
You have to take the insurance policy within 10 days of sowing the crop.
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PMFBY covers the losses incurred within 14 days of harvesting.
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It will be beneficial only in the event of loss due to natural disaster.
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In case of crop loss, immediately inform your bank.
