Farming in India comes with countless challenges — from floods and droughts to pests and diseases. For millions of farmers, a single natural disaster can destroy their entire year’s hard work. But here’s some good news: the Indian government has brought major relief for cultivators under the PM Fasal Bima Yojana (PMFBY).
This revamped crop insurance scheme now offers up to 75% compensation for damaged crops, and the process has been made faster, more transparent, and more farmer-friendly than ever before.
Key Changes in PMFBY 2025
Compensation Limit Increased
Farmers can now claim up to 75% of the total insured amount if their crops are damaged due to natural calamities. Earlier, the compensation limit was much lower.
Village-Level Damage Assessment
Instead of calculating crop loss across a district or block, damage will now be assessed village-by-village. This ensures more accurate and just compensation.
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Health Insurance Support in Some States
In a few states, if a farmer gets injured due to a natural disaster, they can also get up to ₹5 lakh worth of free medical treatment under the scheme.
Real Impact: Relief Reached Directly to Farmers
During the Kharif season of 2024, several Indian districts suffered severe crop losses — some areas reported over 60% crop destruction due to heavy rains and floods.
But farmers who had enrolled in PMFBY received a total of ₹2,852 crore in compensation. Best of all, the amount was directly transferred to their bank accounts with no delays or middlemen.
Who Can Apply for PM Fasal Bima Yojana?
If you’re a farmer in India, here’s what you need to be eligible:
- You should be the owner or leaseholder of the farmland.
- Your crops should be cultivated on your land.
- You must have an Aadhaar Card, Bank Account, and Land Ownership Proof.
- You must be willing to enroll in the crop insurance scheme.