Birsa Pradhan Mantri Fasal Bima Yojana (State Crop Insurance Co-funding)

Why it matters

Get compensated when your crop is damaged by drought, flood, hailstorm or other natural calamities, with the state government covering most of the premium.

What you get

This is Jharkhand's state-level implementation and co-funding arrangement for the central Pradhan Mantri Fasal Bima Yojana (PMFBY) crop insurance scheme, branded locally after Birsa Munda. The state government allocated ₹350 crore in the 2025-26 budget to subsidise farmer premiums and ensure timely compensation payouts for crop losses due to drought, excess rainfall, flood, hailstorm, and pest/disease outbreaks declared as notified perils. Farmers pay a nominal premium share (as low as 1.5–2% of sum insured for food/oilseed crops under the PMFBY framework) with the rest subsidised by central and state governments jointly.

Eligibility criteria

• Farmer (owner or tenant/sharecropper with valid documentation) growing a notified crop in a notified area of Jharkhand
• Enrollment must be completed before the cut-off date for the relevant cropping season
• Loanee farmers are auto-enrolled via their KCC/crop loan; non-loanee farmers can enrol voluntarily

How to apply

1. 1

   Enrol through your bank (if you have a Kisan Credit Card/crop loan) or via the PMFBY portal/Common Service Centre

2. 2

   Pay the nominal farmer premium share before the cut-off date

3. 3

   In case of crop loss, report promptly to the bank/insurance company within the notified window for assessment and payout

Documents required

• Aadhaar card
• Land records or tenancy/sharecropper certificate
• Bank passbook
• Sowing certificate (for non-loanee farmers)