PM Fasal Bima Yojana 2025: With the deadline for enrolling in the Pradhan Mantri Fasal Bima Yojana (PMFBY) for the 2025 Kharif season approaching, the government has issued an urgent reminder to farmers. The government has Aadhaar verification that must be completed to receive compensation in case of crop loss. According to the scheme, paying the insurance premium is not enough for farmers; there are other rules the farmer has to follow in order to avail the benefits.
Farmers across the country have seen the premium for PMFBY deducted from their bank accounts. However, this alone does not guarantee compensation in the event of crop damage. Banks and insurance companies have clarified that without Aadhaar eKYC verification on the PMFBY portal, the crop insurance will be deemed invalid, even if the premium has been paid. Therefore, the farmers must ensure that all required documents, especially Aadhaar, are updated and verified by 31 July.
Aadhaar update deadline is July 31
For PMFBY, one of the most important requirements is Aadhaar verification. Farmers must visit their nearest bank branch or insurance company outlet to get their Aadhaar details updated and authenticated. Without this, claims for crop damage, whether due to flood, drought, pest attack or hailstorm, may be rejected.
The PMFBY portal will only validate insurance policies after successful Aadhaar eKYC, making it a critical step for all registered farmers.
Crop change option
Farmers wishing to change their insured crop under the PMFBY for the Kharif season have only until July 29 to do so. After this, no modifications will be permitted. The window for making such changes closes two days before the official deadline of July 31.
This is especially relevant for farmers who may have altered their sowing plans due to recent weather changes or shifting market prices.
The PMFBY, launched on 18 February 2016, aims to safeguard farmers from financial losses due to natural calamities such as floods, droughts, hailstorms, and pest infestations. The scheme offers significant government subsidy on premiums. Farmers pay just 2% for Kharif crops, 1.5% for Rabi crops, and 5% for commercial or horticultural crops.
In regions like Jammu and Kashmir, Himachal Pradesh, and the North-East, the government covers the entire premium cost.
What are the benefits of PMFBY?
Comprehensive risk coverage: Includes losses due to floods, droughts, hailstorms, pests, and diseases.
Prevented sowing: Compensation is provided if sowing could not be done due to adverse conditions.
Post-harvest protection: Covers losses for up to 14 days after harvest.
Use of technology: Claims are settled swiftly, usually within two months of harvest, aided by satellite imagery and drone-based damage assessments.
How to apply
Farmers can register for PMFBY both online and offline.
Online:
Step 1: Visit pmfby.gov.in
Step 2: Go to “Farmer Corner” → “Guest Farmer”
Step 3: Register using personal, crop, and bank details
Step 4: Log in and submit crop insurance application
For offline mode, applications can also be submitted at Common Service Centres (CSCs) or local agricultural offices.