Pradhan Mantri Fasal Bima Yojana — Gujarat State Implementation

Why it matters

Farmers can insure their crops against natural risks for a very small premium share, with the government covering most of the actual cost.

What you get

Gujarat implements the Pradhan Mantri Fasal Bima Yojana (PMFBY) at the state level, under which farmers pay a nominal premium — about 2% of the sum insured for Kharif crops, 1.5% for Rabi crops, and 5% for notified commercial/horticultural crops — while the central and state governments jointly subsidise the remaining premium cost. The scheme covers yield losses from natural calamities, pests, and diseases across the full crop cycle from pre-sowing to post-harvest, with claims settled based on yield assessment in the notified insurance unit area.

Eligibility criteria

• Must be a farmer (owner-cultivator or tenant/sharecropper with valid documentation) growing a notified crop in a notified area of Gujarat
• Enrolment must be completed before the cut-off date for the relevant season
• Loan-availing farmers are typically enrolled automatically; non-loanee farmers must apply voluntarily

How to apply

1. 1

   Enrol through your bank (for loanee farmers, often automatic) or apply voluntarily via the national crop insurance portal or your Common Service Centre

2. 2

   Pay the nominal farmer-share premium for your notified crop and area

3. 3

   In case of crop loss, intimate the insurance company/department within the notified time window

4. 4

   Claims are settled based on yield-loss assessment and credited to your bank account

Documents required

• Aadhaar card
• Land record / tenancy or sharecropping document
• Bank passbook
• Sowing certificate (if required)