PRADHAN MANTRI FASAL BIMA YOJANA
Minimum Premium, Maximum Insurance for Farmer Welfare
About the scheme
Objective of the Scheme:
Pradhan Mantri Fasal Bima Yojana (PMFBY) aims at supporting sustainable production in agriculture sector by way of -
a) providing financial support to farmers suffering crop loss/damage arising out of unforeseen events
b) stabilizing the income of farmers to ensure their continuance in farming
c) encouraging farmers to adopt innovative and modern agricultural practices
d) ensuring flow of credit to the agriculture sector; which will contribute to food security, crop diversification and enhancing growth and competitiveness of agriculture sector besides protecting farmers from production risks.
• The Scheme covers all Food & Oilseeds crops and Annual Commercial/Horticultural Crops for which past yield data is available and for which requisite number of Crop Cutting Experiments (CCEs) will be conducted being a part of the General Crop Estimation Survey (GCES).
• The scheme is compulsory for loanee farmer obtaining Crop Loan /KCC account for notified crops. However, voluntary for Other/non loanee farmers who have insurable interest in the insured crop(s).
• The Maximum Premium payable by the farmers is 2% for all Kharif Food & Oilseeds crops, 1.5% for Rabi Food & Oilseeds crops and 5% for Annual Commercial/Horticultural Crops.
• The difference between premium and the rate of Insurance charges payable by farmers shall be shared equally by the Central and State Governments .
• The seasonality discipline shall be same for loanee and non-loanee farmers.
|PMFBY Scheme_Assamese||Assamese1 Assamese 2|
|PMFBY Scheme_Telugu||Telugu Telugu-2|
Award by Ministry of Agriculture & Family Welfare
Disbursement of Cheques to Farmers, Jharkhand
Publicity and Awareness
Oriental Team Participating in Crop Cutting Experiment
Crop Cutting Experiments
PMFBY testimonial videos
Krishi kalyan abhiyaan
PMFBY Awareness- Krishi Kalyan Abhiyan- Aligning IEC Activities of Insurance Companies
1. The Government targets to cover atleast 50% of cropped area under PMFBY by 2019-20. One of the largest challenge is to increase the coverage of non-loanee farmers for which awareness camps are being conducted for PMFBY in each village to cover non-loanee farmers as part of the abhiyan.
2. The Key messages of PMFBY should be in tune with the Seasonality Discipline of the Scheme. This will ensure transparency and dissemination of appropriate information at the right time. There is a need of continuous awareness generation among the farmers regarding various stages of the scheme. It should not be stopped after the cut off dates for enrollment.
3. Uniformity in messaging needs to be ensured for better results based on the key messages. While rolling out the IEC plan, DoA&FW will ensure the uniformity of the messages in the IEC materials produced for various stake holders across geographical areas in the country. Capacities of the States need to be enhanced in terms of communication management.
4. List of Villages, Districts and States can be accessed at the link : https://kvk.icar.gov.in/kka2_village.aspx
List of District level Nodal Officers can be accessed at the link: https://kvk.icar.gov.in/download/KKA%20downloads/List_of_District_Nodal_Officers.pdf
Details of KVK heads are available at the link: https://kvk.icar.gov.in/kka2_village_status.aspx
|SNO||IC Name||KKA Districts||Number of Villages|
OICL Participation under PMFBY
|Season wise States covered PMFBY:|
|PMFBY||JHARKHAND||CL USTER 3 & CLUSTER 4||BOKARO|
|Rabi 2017-18||PMFBY||MAHARASHTRA||CLUSTER 1||AHMAD NAGAR|
|PMFBY||ASSAM||CLUSTER 1||KAMRUPR, OKRAJHAR,GOLPARA,DIMHASO|
|PMFBY||JHARKHAND||CL USTER 3 & CLUSTER 4||BOKARO|
|PMFBY||KARNATAKA||CLUSTER 2,3 & 8||KOPPAL|
|Andhra Pradesh||2||East Godavari|
|Dima Hasao (N C Hills|
|Rabi 2018-19||PMFBY||Jammu||3 districts|
Pricing of the Crops to be insured for the Season is done by the Actuarial Department of our Company. The Actuarial Premium Rate (APR) would be charged under PMFBY by implementing Insurance Company. The rate of Premium payable by the farmer will be as per the following:
|Season||Crops||Maximum Premium payable by farmer (% of Sum Insured)*|
|Kharif||All food grain and Oilseeds crops (all Cereals, Millets, Pulses and Oilseeds crops)||2.0% of SI or Actuarial rate, whichever is less|
|Rabi||All food grain and Oilseeds crops (all Cereals, Millets, Pulses and oilseeds)||1.5% of SI or Actuarial rate, whichever is less|
|Kharif and Rabi||Annual Commercial/ Annual Horticultural crops||Perennial horticultural crops (pilot basis)|
|5% of SI or Actuarial rate, whichever is less||5% of SI or Actuarial rate, whichever is less|
The difference between Actuarial Premium Rate and the rate of Insurance premium payable by farmers shall be treated as Rate of Normal Premium Subsidy, which shall be shared equally by the Centre and State Govts. However, the State/ UT Govts. are free to extend additional subsidy over and above the normal subsidy from its budget. In other words, additional subsidy, if any shall be borne entirely by the State/ UT Govt. Subsidy in premium is allowed only to the extent of Sum Insured.
Daily review of enrollment and claims settlement at our Regional Offices. Regular follow up is being done with the Banks and CSC for implementation of the scheme as per the Operational Guidelines of Pradhan Mantri Fasal Bima Yojana.
Performance State wise
We started implementation of PMFBY from the Season Rabi 2016-17 in the State of Himachal Pradesh on pilot basis with a Direct premium of Rs.6.77 crores. This went upto a premium of Rs. 522.26 crores in the Season Kharif 2017 covering 5 States. Presently we are the Implementing Agency in 8 States across the Country. The time lines set by the Government for achieving various project milestones have been adhered to.
Overall Business Statistics
OICL coverage for RABI 2017-2018
Coverage of Farmers
All farmers including sharecroppers and tenant farmers growing the notified crops in the notified areas are eligible for coverage. However, farmers should have insurable interest for the notified/insured crops. The non-loanee farmers are required to submit necessary documentary evidence of land records prevailing in the State (Records of Right (RoR), Land possession Certificate (LPC) etc.) and/or applicable contract/ agreement details/ other documents notified/ permitted by concerned State Govt. in case of sharecroppers/tenant farmers and the same should be defined by the respective States in the notification itself.
1.1 Compulsory Component
a. All farmers who have been sanctioned Seasonal Agricultural Operations (SAO) loans from Financial Institutions (FIs) (i.e. loanee farmers) for the notified crop(s) season would be covered compulsorily.This provision shall override any decision taken by FIs including PACS exempting farmers from compulsory coverage of loanee farmers.
b. However non-standard KCC /crop loans as defined and as per prevailing practices of the concerned Banks/Govt. regulator shall not be covered compulsorily. However bank branches may facilitate such farmers for enrolment as non-loanee farmers.
c. Merely, sanctioning of crop loan against other collateral securities including fixed deposits, gold/jewel loans, mortgage loans etc. without having insurable interest of the farmer on the insurable land and notified crops shall not be covered under the Scheme.
1.2 Voluntary Component • The Scheme is optional for non-loanee farmers.
• The insurance coverage will strictly be equivalent to sum insured/hectare, as defined in the Govt. notification or /and on National Crop
Insurance Portal multiplied by sown area for notified crop.
1.3 Special efforts shall be made to ensure maximum coverage of SC/ ST/ Women farmers under the Scheme. Further Panchayat Raj Institutions (PRIs) may be involved in extension and awareness creation amongst farmers and obtaining feed-back of farmers about the implementation of the Scheme.
Contact details- District wise
The Oriental Insurance Company Limited is lead by the vision “To be the most respected & preferred Non-Life Insurer in the markets we operate.”
To Ensure That We:1. Act as a financially sound corporate entity with high business ethics
2. Implement best human resource development practices to build a highly efficient, dedicated and motivated workforce with high morale and moral values
3. Provide excellent customer service
We are always committed to serve our customers in the best way possible at all times.
However for any feedback/complaint, we can be reached in the following ways:
• Toll Free: 1800 11 8485 Non-Toll Free Number: 011 33208485
• Email : firstname.lastname@example.org
• To register grievance online on our company’s portal please login to www.orientalinsurance.org.in
• For any technical grievance related to PMFBY please visit https://pmfby.gov.in/
We assure of response within a period of 7 days.
|SNo||Name||Designation||Contact No.||Email ID||State|
|1||SH. A.K. JHA||MANAGERemail@example.com||NEW DELHI, HEAD OFFICE|
|2||MS. ANITA JATAV||DY. MGR.||firstname.lastname@example.org||NEW DELHI, HEAD OFFICE|
|3||DR. APURBA HAZRA||MANAGER IN-CHARGE DO HOWRAHemail@example.com||WEST BENGAL|
|4||SH. ANAND S M SHARMA||ASST MANAGER||9000168717||Anand.firstname.lastname@example.org||WEST BENGAL|
|5||SRI R.K.PRASAD||REGIONAL MANAGERemail@example.com||JHARKHAND|
|6||SRI R.K.YADAV||DEPUTY MANAGERfirstname.lastname@example.org||JHARKHAND|
|7||MRS. TANUJA CHINDHADE||MANAGERemail@example.com||PUNE REGION|
|8||MR.SUHAS THOOL||ASSISTANT MANAGERfirstname.lastname@example.org||PUNE REGION|
|9||SH. LINGARAJ RAJU||MANAGERemail@example.com||ODISHA|
|10||SH. MIRZA SAJID BAIG||DEPUTY MANAGERfirstname.lastname@example.org||ODISHA|
|11||SH.BALBIR SINGH||REGIONAL MANAGERemail@example.com||HARYANA, JAMMU & KASHMIR|
|12||SH.J.S.KALSI||MANAGERfirstname.lastname@example.org||HARYANA, JAMMU & KASHMIR|
|13||SH. AJOY KUMAR DAS||REGIONAL MANAGERemail@example.com||ASSAM|
|14||SH.DIGANTA HAZARIKA||SR. DIVIOSIONAL MANAGERfirstname.lastname@example.org||ASSAM|
|15||DR.G.VENKATACHARYULU||REGIONAL MANAGER||9441840910||gudimella.venkatacharyulu@orientalinsura||ANDHRA PRADESH|
|16||SH. M.VISHNUVARDHAN||DIVISIONAL. MANAGERemail@example.com||ANDHRA PRADESH|
|17||SH.NISHANT KAMBLE||ASSISTANT MANAGERfirstname.lastname@example.org||NAGPUR REGION|
|18||MS. DIKSHA PATIL||ADMN OFFICERemail@example.com||NAGPUR REGION|
|19||MS.NAMRATA KAMBLE||ASSISTANT MANAGERfirstname.lastname@example.org||RAIGARH ( MUMBAI REGION - III)|
|20||MR.RAMAN KR. GUPTA||DEPUTY MANAGERemail@example.com||RAIGARH ( MUMBAI REGION - III)|
CCE App User Management
Circular for banks for application creation and UTR attachment
PMFBY mandatory entry of all coverage details on portal from Kharif 2017 onwards
Time-line for completing the data entry process by the Banks for Kharif-18 under Pradhan Mantri Fasal Bima Yojanna & WBCIS-reg
Communication of TSU - PMFBY
Tutorials of PMFBY
Please Click on the link below to access PMFBY tutorial videos and PDF by Ministry of Agriculture & Family welfare
Documents related to the scheme
FAQ on PMFBY
Q1: What is Insurance ?
Ans: Insurance is a tool to protect you against a small probability of a large unexpected loss. It is a technique of providing people a means to transfer and share risk where losses suffered by few are met from the funds accumulated through small contributions made by many who are exposed to similar risks. Insurance is not a tool to make money but a tool to help compensate an individual or business for unexpected losses that might otherwise cause a financial disaster.
Q2: What is Crop Insurance ?
Ans: Crop insurance is a means of protecting the agriculturist against financial losses due to uncertainties that may arise from crop failures/losses arising from named or all unforeseen perils beyond their control.
Q3. Objective of PMFBY ?
Ans: Pradhan Mantri Fasal Bima Yojana (PMFBY) aims at supporting sustainable production in agriculture sector by way of - a) providing financial support to farmers suffering crop loss/damage arising out of unforeseen events b) stabilizing the income of farmers to ensure their continuance in farming c) encouraging farmers to adopt innovative and modern agricultural practices d) ensuring flow of credit to the agriculture sector; which will contribute to food security, crop diversification and enhancing growth and competitiveness of agriculture sector besides protecting farmers from production risks.
Q4: What is Weather based Crop Insurance ?
Ans: Weather Based Crop Insurance aims to mitigate the hardship of the insured farmers against the likelihood of financial loss on account of anticipated crop loss resulting from incidence of adverse conditions of weather parameters like rainfall, temperature, frost, humidity etc.
Q5.How many Coverage of Crops ?
Ans: 1) Food crops (Cereals, Millets and Pulses), 2) Oilseeds, 3) Annual Commercial / Annual Horticultural crops
Q6. What are Sum Insured /Coverage Limit ?
Ans: 1. Sum Insured per hectare for both loanee and non-loanee farmers will be same and equal to the Scale of Finance as decided by the District Level Technical Committee, and would be pre-declared by SLCCCI and notified. No other calculation of Scale of Finance will be applicable. Sum Insured for individual farmer is equal to the Scale of Finance per hectare multiplied by area of the notified crop proposed by the farmer for insurance. ‘Area under cultivation’ shall always be expressed in ‘hectare’. 2. Sum insured for irrigated and un-irrigated areas may be separate
Q7.What is Premium Rates and Premium Subsidy ?
Ans: 1. The Actuarial Premium Rate (APR) would be charged under PMFBY by implementing agency (IA). The rate of Insurance Charges payable by the farmer will be as per the following table:
|S. No.||Season||Crops||Maximum Insurance charges payable by farmer (% of Sum Insured)|
|1||Kharif||All foodgrain and Oilseeds crops(all Cereals, Millets, Pulses and Oilseeds crops)||2.0% of SI or Actuarial rate, whichever is less|
|2||Rabi||All foodgrain and Oilseeds crops(all Cereals, Millets, Pulses and Oilseeds crops)||1.5% of SI or Actuarial rate, whichever is less|
|3||Kharif and Rabi||Annual Commercial / Annual Horticultural crops||5% of SI or Actuarial rate, whichever is less|
Q8. What types of Risks to be covered & exclusions?
Ans. 1. RISKS: Following risks leading to crop loss are to be covered under the scheme:- 1.1. YIELD LOSSES (standing crops, on notified area basis): Comprehensive risk insurance is provided to cover yield losses due to non-preventable risks, such as (i) Natural Fire and Lightning (ii) Storm, Hailstorm, Cyclone, Typhoon, Tempest, Hurricane, Tornado etc. (iii) Flood, Inundation and Landslide (iv) Drought, Dry spells (v) Pests/ Diseases etc. 5 8.1.2. PREVENTED SOWING (on notified area basis):- In cases where majority of the insured farmers of a notified area, having intent to sow/plant and incurred expenditure for the purpose, are prevented from sowing/planting the insured crop due to adverse weather conditions, shall be eligible for indemnity claims upto a maximum of 25% of the sum-insured 1.3. POST-HARVEST LOSSES (individual farm basis): Coverage is available upto a maximum period of 14 days from harvesting for those crops which are kept in “cut & spread” condition to dry in the field after harvesting, against specific perils of cyclone / cyclonic rains, unseasonal rains throughout the country. 1.4. LOCALISED CALAMITIES (individual farm basis): Loss / damage resulting from occurrence of identified localized risks i.e. hailstorm, landslide, and Inundation affecting isolated farms in the notified area. 2. EXCLUSIONS: Risks and Losses arising out of following perils shall be excluded:- War & kindred perils, nuclear risks, riots, malicious damage, theft, act of enmity, grazed and/or destroyed by domestic and/or wild animals, In case of Post–Harvest losses the harvested crop bundled and heaped at a place before threshing, other preventable risks.
FAQ on NCIP
FAQ – Login and Registration
Q1. Which browser is best to access the PMFBY portal?
A. The portal runs on Internet Explorer 9+, Mozilla Firefox and Google Chrome. The website is also mobile friendly and the users can access it on their mobile phones.
Q2. How can a user register on the portal for the first time?
A. Any user can register on the portal through 3 ways –
2. User Creation
3. Login using Old User ID
Q1. What is the process to complete self-registration on the PMFBY portal?
A. The user needs to click on ‘Register’ to register themselves on the portal and then enter the Official information and Personal information. The user has to verify his/her Aadhar number (automatically verified) and also verify the mobile number (OTP Verification). The registration would be approved by the upper hierarchy and the user would be notified through an SMS and a email upon approval/rejection.
Q2. How would a user get to know if the self-registered application is approved/rejected?
A. All the self-registrations would be approved by the upper hierarchy of the user and the user is notified through an SMS and an email upon approval/rejection.
Q3. Will the upper authorities know about my self-registered application?
A. The upper authorities will also be notified through an SMS and a mail about the self-registered applications. The upper authorities can approve/reject the self-registered application from his/her User Console dashboard.
Q4. My self-registered application got approved. How do I login?
A. The option to ‘Sign In’ is provided at the top right portion of the portal. The user needs to click on ‘Sign in’ option and has to enter the registered mobile number and password set at the time of self-registration.
Q5. Is Aadhar verification mandatory in self registration while filling the Personal Information?
A. Yes. Aadhar verification is mandatory as per the guidelines of Government of India.
Q6. What to do if Aadhar number is not getting validated?
A. If in case the Aadhar number is not getting validated, we would request the user to cross check the Aadhar number. If the Aadhar is correct and the portal doesn’t validate the Aadhar, then wait for some time or reload the portal.
Q7. What to do if the OTP is not being generated?
A. We request the user to wait for some time, click upon resend OTP and the OTP would be sent again automatically. However we are working on sending an OTP request through a call. The feature would be active shortly. In meantime, if you haven't received the message of new password, but are being registered, you can regenerate the message by going to sign in and clicking upon forgot password.
OLD USER SIGN IN
Q1. What does ‘Old User Sign in’ mean?
A. ‘Old User Sign in’ allows the users who have access to the previous crop Insurance portal to login to the new PMFBY portal using their previous password.
Q2. How can a user login using the Old user ID?
A. The option to ‘Sign In’ is provided at the top right portion of the portal. The user needs to click on ‘Sign in’ option. The user should then click on ‘Login with old user ID’ option provided at the bottom to login using the Old user ID.
Q3. What is the process of login using the Old User ID?
A. The user needs to click on ‘Sign in’ option provided at the top right corner. The user should then click on ‘Login with old user ID’ option provided at the bottom to login using the Old user ID. The user is expected to select the Stakeholder and Category type to proceed further. The following information fields would be opened based on the Stakeholder and Category type entered. The user has to enter the old password to proceed further with the login process and enter the Official Information. Verification process for Aadhar and mobile number needs to be completed.
Q4. Does Old User Sign in require approval?
A. No. If the user uses the Old User Sign in option, he or she would not have to be approved by any higher authorities.
Q5. I signed in using my Old User ID and I am registered as a Branch user. How can I change it?
A. When a user enters the PMFBY portal using the Old User Sign option, he/she is registered as Branch User as default. If the user wishes to change it, he/she can ask the upper hierarchy to assign the appropriate role to them. For example, a Branch head registered as a Branch User by default can ask the State Admin to assign him/her the appropriate role. The State Admin would be able to assign roles to users through the User Console dashboard.
Q6. I cannot find my Bank IFSC code. How can I enter my Official information?
A. We request the users to check the selected State and District. If both are correct, check the entered IFSC code again. If all details are correct and the IFSC is not valid, kindly notify the Headquarter user to create the respective branch. Once the Headquarter user creates the branch, the IFSC code will be made valid.
Q7. I do not have an official email ID to enter in the personal information section. What should I do?
A. The user can enter his/her personal email ID in a case where official email ID is not available. However the email ID can be changed anytime from the profile settings of the user’s account.
Q8. My mobile number is not getting verified. What should I do?
A. Please make sure that the mobile number is entered correctly. Only one user can register using a mobile number and multiple users cannot enter the same mobile number on the portal.
Q9. I received an SMS about my self-registration approval. What should I do next?
A. The user needs to click on ‘Sign in’ option provided at the top right corner. Enter the registered mobile number and the password set at the time of registration. Enter the captcha and click ‘Login’ to login to the portal.
Q10. I do not remember the password set during registration. What should I do?
A. The user needs to click on ‘Sign in’ option provided at the top right corner. The user can click ‘Forgot Password’ option and enter the registered mobile number. For OTP verification, the user can select the means of receiving OTP either through an Email or SMS. The user can enter the OTP and click ‘Verify’. In case the user does not receive the OTP, he/she can click the ‘Resend’ option.
Q1. Who can create a user at the PMFBY portal?
A. The creation of users on the PMFBY portal is based on the hierarchy system. The user from a certain level of hierarchy can create a user from the lower hierarchy. For example, in a Bank, the headquarter user creates a State Level user and a State level user creates a Branch level user.
Q2. Is Aadhar necessary while creating a user?
A. No. When a user is creating a user of higher hierarchy, the Aadhar is not necessary as the user who is creating has to take the responsibility of the user being created.
Q3. I don’t have an Aadhar. How can I access the PMFBY portal?
A. If in case a user does not have an Aadhar card, he/she can ask the user at the upper hierarchy level to create a user. Aadhar is not necessary in User creation whereas it is necessary in case of Self registration. The same is required to be done for banks in states such as Meghalaya, Assam and Jammu & Kashmir, in absence of aadhar card by bankers, you may ask upper hierarchies to register you.
Q4. What is the process of User Creation?
A. If a user wishes to create a user of lower hierarchy, he/she can access the user console after logging into the portal. There is an option in the User Console ‘Create User’ which allows the user to create a user. By filling the required information such as General and Personal Information, the user can be created. The user who is created will be notified through an SMS and email and the credentials required to login would also be mentioned in the same.
Q5. If a user is created, how would he/she know the password to login?
A. The user who is created will be notified through an SMS and email and the credentials required to login would also be mentioned in the same. The user can however change the password set by accessing the profile settings after logging in.
Q6. I have created a user and the user has not received any SMS. What should I do?
A. Due to poor telecom services, the message does not get delivered sometimes. In this case, we would request the user created to sign in using the registered mobile number and click the ‘Forgot password’ option. A new password can be set after an OTP verification on the registered mobile number. We are also working on a system that can send OTP through a phone call on request by the user. The feature would be available soon.
Q7. I am trying to create a user and the portal shows an error ‘User already exists’. What should I do?
A. The portal does not allow single mobile number for multiple accounts. In case of creating user, this error occurs as there is a high probability that the user might have registered himself/herself already. We would request the user facing the error to check the ‘Pending Applications’ tab in the User console. If the user you wish to create has already self registered himself/herself, you can directly approve it from the User Console.
For any further queries, the users can reach us on the Contact number/Mail ID mentioned on our Company’s portal www.orientalinsurance.org.in.