PM Fasal Bima Yojana 2025-26 : The Karnataka Raitha Suraksha Pradhan Mantri Fasal Bima Yojana (PMFBY) for the 2025–26 season has officially kicked off in Mysuru. This crop insurance scheme continues to serve as a critical safety net for farmers, helping them recover from unexpected crop losses caused by nature’s unpredictability.
In this post, we’ll walk you through everything you need to know — from who can apply, how to register, eligible crops, to when and how claims are processed — so you can take full advantage of this valuable program
🌾 What is PM Fasal Bima Yojana?
The Pradhan Mantri Fasal Bima Yojana (PMFBY) is a government-backed crop insurance scheme designed to protect farmers from financial losses due to:
- Natural disasters like droughts, floods, and cyclones.
- Pest attacks and plant diseases.
- Unseasonal weather events like hailstorms, lightning, and fire.
The goal is simple: ensure farmers don’t suffer financially when nature turns hostile.
✅ Who Can Apply?
The scheme is open to both loanee and non-loanee farmers, meaning:
- Loanee Farmers: Farmers who have taken agricultural loans.
- Non-Loanee Farmers: Farmers who haven’t borrowed but still want coverage.
👉 Important for Loanee Farmers:
If you do NOT wish to participate, you must submit a written consent letter to your bank manager at least 7 days before the final enrollment date. Failing to do so may result in automatic enrollment.
📅 Where & How to Enroll
Farmers interested in enrolling can easily register at:
- Their nearest bank branch.
- Common Service Centers (CSC).
- Grama One Centers.
📄 Documents Required:
Make sure to carry the following:
- RTC (land ownership certificate).
- Copy of your Aadhaar card.
- Bank passbook.
✅ Pro Tip: Always double-check document copies and carry originals for verification to avoid delays.
💡 New Features & Benefits in 2025-26
The government has made continuous improvements in PMFBY over the years. This year, key highlights include:
- Faster claim settlements using advanced remote sensing and satellite technology.
- Simplified claim processes for extreme weather events.
- Greater transparency via real-time claim tracking through mobile apps.
✅ Example: In recent years, many farmers in Maharashtra received compensation within 30 days, thanks to real-time data verification. Karnataka aims to replicate similar speed.
🌧️ When Will Claims Be Paid?
Insurance claims under PMFBY are activated under specific situations:
| Scenario | Eligibility for Claim |
|---|---|
| Crop loss on over 75% of sown area due to inadequate rainfall | ✅ Eligible |
| Droughts, prolonged dry spells, or floods before 15 days of harvest | ✅ Eligible |
| Damage to crops left for drying within 14 days due to unseasonal rains, cyclones, or storms | ✅ Eligible |
| Losses from hailstorms, landslides, lightning, submergence, or fire | ✅ Eligible (assessed case-by-case) |
🔎 Quick Tip:
Timely reporting of crop loss to authorities ensures faster processing of claims.
🌿 List of Notified Crops in Mysuru
The insurance coverage applies to various crops based on the type of farming:
🌱 Rainfed Crops:
- Cowpea (Alasu)
- Black Gram (Uddu)
- Sesame (Ellu)
- Jowar (Sorghum)
- Pigeon Pea (Togari)
- Maize (Musukina Jola)
- Finger Millet (Ragi)
- Horse Gram (Huruli)
- Green Gram (Hesaru)
- Cotton
- Groundnut
🚜 Irrigated Crops:
- Paddy (Rice)
- Finger Millet (Ragi)
- Groundnut
🥦 Non-Seasonal (NS) Crops:
- Tomato
- Cabbage
👉 Note: Farmers growing any of the above crops are encouraged to enroll to protect their investment.
🏢 Insurance Provider for Mysuru District
For this year, the authorized insurance provider in Mysuru is:
Tata AIG Insurance Co. Ltd.
This private-sector insurer has a strong record of efficient claim settlements, ensuring farmers get timely financial support when needed.
💡 Why Farmers Should Not Miss This Opportunity
Farming remains one of the riskiest occupations, heavily dependent on climate, rainfall, pests, and market fluctuations. The PMFBY serves as a low-cost safety net that offers:
- Financial stability even during crop failures.
- Low premium rates subsidized by the government.
- Faster, more transparent claim processes.
- Mental peace to focus on farming without constant fear of total loss.
🔑 Example from Tamil Nadu:
During the 2023 monsoon season, over 2 lakh farmers received timely compensation after floods destroyed paddy fields. This financial cushion prevented many families from falling into debt.
📝 Steps to Maximize Your Benefits
Here are a few extra tips to make sure you get full advantage of PMFBY:
1️⃣ Enroll Early: Don’t wait until the last day.
2️⃣ Keep Copies of All Documents: For easy follow-up in case of claim disputes.
3️⃣ Monitor Weather Alerts: Use apps like IMD’s ‘Mausam’ or Kisan Suvidha for early warnings.
4️⃣ Report Damages Promptly: Notify local agricultural officers immediately after any crop loss.
5️⃣ Stay Updated: Use government portals or helplines for updates on claim status.
🔎 Frequently Asked Questions (FAQs)
1️⃣ Is PMFBY mandatory for all farmers?
No. Enrollment is voluntary for both loanee and non-loanee farmers.
2️⃣ Can tenant farmers apply?
Yes, tenant farmers can enroll if they have proper documentation and landowner consent.
3️⃣ What happens if I delay my claim report?
Delays may affect your claim approval. Always report losses within 72 hours of occurrence.
4️⃣ How much premium do I have to pay?
Premium rates vary depending on the crop type and state subsidies. Generally, it ranges from 1.5% to 5% of the sum insured.
5️⃣ Where can I check claim status?
You can track claim status via the PMFBY official portal or mobile app.
