Unprecedented rain and changing weather can heavily damage the crop of farmers along with the hard work, investment and total yield. In case of untimely rains or drought, the crop of farmers is affected in every case. Such situations are difficult for both the farmer and the crop. Keeping this thing in mind, the Central Government has launched the PM Fasal Bima Yojana in 2016 which aims to provide financial support to farmers suffering crop loss/damage arising out of unforeseen events. Moreover, it has been giving assurance and provide relief to the farmers since 2016 in their darkest hours and stabilize the income of farmers to ensure their continuance in farming.
By taking advantage of this insurance scheme, farmers can compensate for their crop loss, money and investment. Crores of farmers are getting benefit from the scheme which was launched by Prime Minister Narendra Modi on 18th January 2016. Let’s know how every farmer can avail its benefit, methods to apply for this scheme and necessary documents.
How to fill-up the form for PMFBY?
The PM crop insurance scheme can be applied through banks. Apart from this, the form of this scheme can also be submitted online. The form can also be filled by going to the link https://pmfby.gov.in/.In case of not filling the online form, the form can be filled by going to the nearest bank branch.
Important Documents for PMFBY
For PM crop insurance scheme, the farmer will have to provide a photo card, PAN card, driving license, voter ID card or Aadhaar card as ID card. At the same time, one of these documents can also be given for address proof. For this, the farmer will have to tell the farming documents and the information of the Khasra number will also have to be given.
For the veracity of the crop that has been sown, a letter from the head, patwari or sarpanch has to be presented. If the crop has been sown by renting the farm of another person, then the agreement will have to be applied for the application of the scheme. A cancellation check will also have to be given along with the documents for the claim amount to come directly into the account.
Take care of these things before the claim of PMFBY Insurance
In the case of natural calamity, the claim can be made up to 14 days before harvesting. Under this plan, insurance will not be available in any circumstances other than natural disaster. To get the claim in this scheme, farmers have to pay 1.5 percent premium for rabi and 2 percent premium for kharif crop.
Pradhan Mantri Fasal Bima Yojana (PMFBY) aims at supporting sustainable production in the agriculture sector by way of:
Aims of Pradhan Mantri Fasal Bima Yojana (PMFBY) :
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Providing financial support to farmers suffering crop loss/damage arising out of unforeseen events.
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Stabilizing the income of farmers to ensure their continuance in farming.
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Encouraging farmers to adopt innovative and modern agricultural practices.
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Ensuring the flow of credit to the agriculture sector; which will contribute to food security, crop diversification and enhancing growth and competitiveness of the agriculture sector besides protecting farmers from production risks.
‘Farmitra App’ for Farmers
Through this app, farmers will not only get insurance solutions but also a range of other information and advisories which will cater to their day to day farming needs. Bajaj Allianz’s Users of this app can see regular weather forecast specific to their area, advisories customized as per the selected crops, the market price of crops, news related to agriculture developments and also a locator for seed/soil testing labs, fertilizer dealers, Cold Storage around the area.
Moreover, Farmitra will also act as a portal for farmers enrolled with Bajaj Allianz General Insurance to get a single view of their policies and get claim support. Moreover, farmers can read it in their regional language which can be customized in the region-specific language as per the crop chosen and geographical area selected. ‘Farmitra App’ app is available to download from the play store.
