Pradhan Mantri Fasal Bima Yojana 2025: Enroll by July 31 for Kharif Crop Insurance

Pradhan Mantri Fasal Bima Yojana 2025: Farmers Must Enroll by July 31 to Insure Kharif Crops

By Mr TPM | July 16, 2025 | New Delhi

With monsoon showers sweeping across India, millions of farmers are heading into the Kharif cropping season. As they prepare to sow rice, maize, cotton, and other major crops, the Government of India has once again rolled out the Pradhan Mantri Fasal Bima Yojana (PMFBY) for 2025—an insurance shield to protect farmers against crop failure caused by natural disasters and unforeseen risks.

This year, the enrolment for PMFBY Kharif 2025 began in June and will close on July 31, 2025. The scheme is open to both loanee and non-loanee farmers across all notified regions in India. The Agriculture Ministry has urged farmers to complete the registration within the deadline to avail full claim benefits in the event of crop damage.

What Is PMFBY?

Launched in February 2016, PMFBY is the Government of India’s flagship crop insurance scheme. Its primary objective is to provide financial support to farmers suffering crop loss or damage due to natural calamities, pests, diseases, or weather-induced events like floods and droughts.

The scheme is applicable from the sowing to post-harvest stage, ensuring that farmers are covered throughout the crop cycle.

Important Dates for PMFBY 2025

• Kharif 2025 Enrolment Start: June 1, 2025 (varies by state)
• Last Date for Registration: July 31, 2025
• Insurance Coverage Period: Until post-harvest losses (usually November for Kharif crops)
• Rabi 2025 Enrolment: Expected to begin in October 2025

Who Can Apply?

Both loanee and non-loanee farmers can enroll in the scheme. Farmers who have availed crop loans from banks or cooperatives are automatically covered under PMFBY. However, non-loanee farmers must apply voluntarily through authorized centers.

Eligibility:

• Indian citizen involved in cultivation
• Registered for Kharif crops in a notified area
• Land ownership or tenancy documents
• Valid Aadhaar and bank account

Premium Rates for 2025

One of the most attractive aspects of PMFBY is the low premium paid by farmers, with the remaining share subsidized by the central and respective state governments.

Crop Type	Farmer’s Share of Premium
Kharif Crops	2% of the Sum Insured
Rabi Crops	1.5% of the Sum Insured
Commercial/Horticulture	5% of the Sum Insured

For example, a farmer growing rice with a sum insured of ₹40,000 per hectare would pay only ₹800 for insurance, and the government would pay the rest.

Where and How to Apply

Farmers can register through the following channels:

• Common Service Centres (CSCs)
• Authorized banks and post offices
• State agriculture offices
• Official portal: https://pmfby.gov.in
• Mobile App: “Crop Insurance” available on Android

Documents Required:

• Aadhaar card
• Bank passbook
• Land ownership or tenancy certificate
• Sowing proof or declaration form

Once registered, a confirmation receipt will be provided. Farmers are advised to retain this for any future claims.

What Does PMFBY Cover?

PMFBY provides a comprehensive range of protections against crop loss due to:

• Natural Calamities: Floods, drought, cyclones, unseasonal rains
• Pest Infestation and Diseases
• Localized Risks: Hailstorms, landslides, wild animal attacks
• Post-Harvest Losses: Within 14 days of harvesting due to weather-related events

In 2025, technological enhancements such as satellite data, drones, and AI-based yield estimation are being used for faster and more accurate damage assessments.

Claim Process

In case of crop damage:

1. Inform within 72 hours to the insurer or local agriculture officer.
2. A joint survey will be conducted.
3. Yield data from Crop Cutting Experiments (CCE) or remote sensing will be evaluated.
4. Claim is settled and credited directly to the farmer’s bank account.

Farmers can also check claim status via the PMFBY app or helpline number 14447.

Impact of PMFBY Over the Years

Since its inception, PMFBY has:

• Covered over 45 crore farmer applications
• Disbursed claims worth over ₹1.5 lakh crore
• Reduced farmer distress due to climate-related crop failure
• Enabled greater access to institutional credit and encouraged risk-taking in agriculture

The Union Budget 2025-26 allocated ₹19,000 crore for PMFBY, highlighting the government’s commitment to farmer welfare.

Challenges and Reforms

Although widely appreciated, the scheme has faced issues such as delayed claim settlements, non-participation by some states, and lack of awareness among small farmers. In response, the Centre has:

• Strengthened monitoring of private insurers
• Introduced the YES-Tech system for faster yield estimates
• Made participation voluntary for states
• Launched public awareness campaigns through Krishi Vigyan Kendras (KVKs)

Conclusion: A Must for Every Farmer

The Pradhan Mantri Fasal Bima Yojana 2025 stands as a lifeline for farmers, especially in times of climate uncertainty. With an affordable premium and wide coverage, it gives farmers the confidence to invest in quality inputs without the fear of complete loss.

As the July 31, 2025 deadline draws closer, farmers across India are urged to enroll immediately to avoid missing out on vital protection for their Kharif crops.

In the face of erratic weather, PMFBY is not just insurance—it is assurance.

For more details, visit www.pmfby.gov.in or contact your nearest agriculture office or Common Service Centre (CSC).