Pradhan Mantri Fasal Bima Yojana (PMFBY) – Tamil Nadu Implementation

Why it matters

Insure your crop against drought, flood, cyclone, pest attack and disease at a low premium, with payouts based on actual yield loss in your area.

What you get

Tamil Nadu has implemented the Pradhan Mantri Fasal Bima Yojana (PMFBY) from Kharif 2016 across all districts except Chennai, providing yield-loss-based insurance coverage for both food crops and horticultural crops against natural calamities such as drought, flood, cyclone, and pest/disease attacks. Average yield benchmarks for notified crops are established through crop-cutting experiments conducted by Assistant Agriculture Officers, against which actual seasonal yield shortfalls trigger claim payouts. Horticulture crop coverage was expanded from Kharif 2019-20 to include Banana, Tapioca, Turmeric, Potato, Onion and Red Chillies plus 8 additional annual crops (Bhendi, Brinjal, Cabbage, Carrot, Garlic, Ginger, Coriander, Tomato), with over Rs 210 crore settled as compensation to more than 1.39 lakh horticulture farmers between 2016-17 and 2019-20 alone.

Eligibility criteria

• Must be a farmer (owner-cultivator or tenant/sharecropper) growing a notified crop in a notified district/block of Tamil Nadu
• Premium payment required by the prescribed cut-off date for the season (Kharif/Rabi)
• Loanee farmers may be enrolled automatically through their bank; non-loanee farmers apply voluntarily

How to apply

1. 1

   Apply through your bank (for loanee farmers, automatic) or via the Uzhavan app/Common Service Centre (for non-loanee farmers)

2. 2

   Pay the nominal farmer-share premium (2% for Kharif food/oilseed crops, 5% for horticulture/commercial crops)

3. 3

   Claims assessed via crop-cutting experiments and yield-loss data; payout credited directly to bank account

Documents required

• Aadhaar card
• Land records
• Bank account details
• Sowing certificate (for non-loanee farmers)