Pradhan Mantri Fasal Bima Yojana – PMFBY July 2025: Full Details on Crop Insurance Scheme

Get complete information on Pradhan Mantri Fasal Bima Yojana (PMFBY) July 2025. Learn about last date, enrollment process, premium rates, claim proces

🌾 Pradhan Mantri Fasal Bima Yojana - Crop Insurance | PMFBY July 2025

Launched: 18 February 2016
Ministry: Ministry of Agriculture & Farmers Welfare
Objective: Provide affordable crop insurance to Indian farmers against crop loss/damage due to natural calamities, pests & diseases.

🎯 Objectives of PMFBY

Provide financial support to farmers suffering crop loss/damage.
Stabilize farmer income and encourage modern agricultural practices.
Ensure flow of credit to the ag riculture sector.

📦 PMFBY Coverage & Premiums (2025)

Crop Covered: Food crops, Oilseeds, Commercial/Horticulture crops
Premium:
- Kharif crops – 2%
- Rabi crops – 1.5%
- Commercial/horticultural crops – 5%
Remaining premium is shared between Central & State Governments.
Use of satellite, drones, mobile app & tech for faster claim settlement.

🗓️ PMFBY July 2025 – Latest Updates

Last Date for Kharif 2025 Enrollment: 31 July 2025
Farmers in Haryana and other states are urged to enroll on time.
Premium rates example for Haryana:
- Paddy – ₹2,124.98/ha
- Cotton – ₹5,435.05/ha

Read Full News - Tribune India

🚜 PMFBY Awareness Campaign (1–7 July 2025)

Celebration of “Crop Insurance Week” across India.
Outreach in Jammu, Haryana, Sikkim, Mizoram, and Kalaburagi.
Special drives, mobile vans, field officer visits to promote enrollment.

Read Sikkim Govt Notice

⚖️ Challenges in Implementation

Premium vs Claim Mismatch: In Maharashtra, ₹52,969 crore collected; only ₹36,350 crore paid as claims (2016–2024).
Fraud: ₹60 lakh PMFBY fraud in Nuh, Haryana using forged rabi claims.
Delayed Claims: Some states delay releasing their premium subsidy causing settlement delays.

TOI: Premium vs Claim Data

NCDRC Case: Farmer Wins Claim

📝 How to Apply for PMFBY (July 2025)

Loanee Farmers: Auto-enrolled via bank loan unless opted out before deadline.
Non-loanee Farmers: Apply through:
- Common Service Centers (CSCs)
- Bank branches
- Official PMFBY Portal
Documents Required: Aadhaar Card, Bank Account, Land ownership or tenancy proof, Crop Sowing Certificate.

PMFBY Official Website

📢 How to Claim Crop Insurance

Report loss within 72 hours of incident.
Use the PMFBY App or call helpline: 14447.
Local field survey and CCE (Crop Cutting Experiments) conducted for assessment.

Claim Process Explained

✅ Final Tips for Farmers – July 2025

Enroll before 31 July 2025 to avoid missing insurance window.
Verify details at bank/CSC if already enrolled.
Keep sowing date, land records & crop photos for faster claim process.
Report crop damage within 72 hours.
Stay connected with your local agriculture officer or CSC center for assistance.

🔗 Sources & References

Stay protected. Stay insured. Empower your farm with PMFBY – July 2025.