PM Fasal Bima Yojana Premium : The Central Government has started the Pradhan Mantri Fasal Bima Yojana to help the farmers. Through this scheme, the government gives financial help to the farmers. It is very easy to implement all the schemes being run for the farmers. Through the PM Crop Insurance Scheme, the government covers the crops of farmers in insurance. During any natural calamity, the farmer gets compensation on the crop destroyed.
PM Fasal Bima Yojana Premium
In the Pradhan Mantri Fasal Bima Yojana, there is also a provision for compensation to farmers for hailstorm, storm and animal attack. The reason behind this insurance scheme is that if the farmer’s crop gets damaged due to any reason, then the farmers should not suffer financial loss and they should get compensation for it. That’s why the government has started PM Crop Insurance Scheme.
Any farmer can take advantage of this PM Crop Insurance Scheme by paying a very low premium. But, there is a lot of apprehension in the minds of the farmers about the premium on which crop in the insurance. So there is no need to worry. Farmers can know sitting at home that how much premium will you have to pay on which crop. So let’s know about this Pradhan Mantri Fasal Bima Yojana
How much premium will have to be paid
Let us tell you that according to agriculture officials, in most crops, farmers have to pay only 1 to 2 percent of the total premium while taking crop insurance under the Pradhan Mantri Fasal Bima Yojana. At the same time, there are some crops in which farmers may have to pay up to 5 percent premium in PM Crop Insurance Scheme.
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Know your premium amount in this way: PM Fasal Bima Yojana Premium
- You can get information about how much premium will have to be paid according to the crop in the Pradhan Mantri Fasal Bima Yojana by visiting its official website pmfby.gov.in.
- Here you will see the option to calculate crop premium, click on it.
- Here complete information about the crop will be sought from the farmer.
- You will be asked about your state, district, land, crop etc. Feel it all.
- After that click on submit option.
- After this, the amount of PM Crop Insurance Scheme premium and claim will open in front of you.
What is PM Fasal Bima Yojana
Under this scheme, farmers can get their crops insured. If their crop gets damaged due to storm, storm, rain or any calamity, then they will get compensation from the government. Under this PM Crop Insurance Scheme, farmers can become worry free by insuring their crops. Under this Pradhan Mantri Fasal Bima Yojana, farmers have to pay 2 percent premium for Kharif crops and 1.5 percent for Rabi crops while insuring the crop.
Farmers can apply in this scheme through both online and offline modes. If you want to apply offline in this scheme, then you can apply in this PM Crop Insurance Scheme by visiting your nearest bank/post office. Apart from this, you can also apply online for this scheme. For this you have to apply by visiting the official website of Pradhan Mantri Fasal Bima Yojana, pmfby.gov.in. The process of applying is quite easy. In this, the farmer will not have to face any kind of problem.
What is premium rate and subsidy
Under PM Fasal Bima Yojana, some premium is charged on crop insurance and subsidy is given on it according to the loss of crop. For Kharif crops, up to a maximum of 2 per cent is charged for all food grains and oilseed crops. On the other hand, under the PM Crop Insurance Scheme, for Rabi crops, 1.5% or less of the SI or actuarial rate has to be paid. The farmer will have to deposit a maximum premium of 5 percent or less for Kharif and Rabi annual commercial/annual horticulture crops. On this basis, the Pradhan Mantri Fasal Bima Yojana subsidy is paid by the government.
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