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PMFBY ka premium calculate karo — kitna dena padega, kitni subsidy milegi
🛡️ Fasal Bima — Kharab Fasal Par Bhi Paisa Milega
PMFBY (Pradhan Mantri Fasal Bima Yojana) ka idea simple hai — sukha, baadh, keede ya toofan se fasal kharab ho jaye, toh government aapko uska compensation deti hai.
Sabse achhi baat iska premium hai — kisan ka hissa sirf 1.5% se 5% tak hota hai, baaki poora amount government khud bharti hai.
Ek udaharan lein: gehun ke liye ₹50,000 per hectare ka insurance liya (1.5% rate par), toh aapki jeb se sirf ₹750 per hectare jayega — baaki ₹49,250 government ka contribution hoga.
💡 KCC loan liya hai toh fasal bima automatically compulsory ho jata hai — loan ke saath hi premium kat jata hai.
Har fasal ka premium rate alag hota hai
Kharif aur Rabi ke rates alag hote hain
Yeh aapki fasal ki value hai — district wise alag hoti hai. Bank ya CSC se pucho
1 hectare = 2.47 acre = 10,000 sq meter
📊 Dhan (Paddy) — Premium Details (Kharif)
🛡️ Agar fasal kharab hui to maximum compensation: ₹50,000
📖 Iska Matlab:
Aapne Dhan (Paddy) ka insurance liya ₹₹50,000 ka. Total premium ₹₹1,000 hai. Par government ₹₹0 subsidy deti hai. Aapko sirf ₹₹1,000 dena padega. Agar fasal kharab hui to ₹₹50,000 tak claim mil sakta hai.
📋 Sabhi Fasal Ka Premium Rate
| Fasal | Kharif Rate | Rabi Rate |
|---|---|---|
| Dhan (Paddy) | 2% | 1.5% |
| Gehun (Wheat) | 1.5% | 1.5% |
| Kapas (Cotton) | 5% | 4% |
| Oilseeds/Sarson | 2% | 1.5% |
| Dal/Pulses | 2% | 1.5% |
| Makka (Maize) | 2% | 1.5% |
| Ganna | 2.5% | 2% |
| Other Crops | 2% | 1.5% |
Fasal kharab ho toh der mat karo — 72 ghante ke andar bank ya insurance company ko inform kar do
Fasal ki photos aur video le lo, jisme date aur location clearly dikhe — ye proof ka kaam karega
PMFBY portal (pmfby.gov.in) ya mobile app se claim file kar do
District Agriculture Officer ko bhi written complaint de dena, aur receipt le lena
Uske baad government survey ke through loss ka estimate lagaya jata hai
Sab theek raha toh 2-4 hafte mein compensation bank account mein aa jata hai
📄 Claim Ke Liye Documents:
Sabhi Kisan
Land owner aur tenant farmers dono
Sabhi Fasal
Kharif, Rabi, horticulture — sab cover
Loan Wale
KCC loan liya hai to compulsory hai
Bina Loan
Optional — khud apply kar sakte ho
⏰ Time Par Apply Karo
Enrollment window nikal gayi toh dobara mauka nahi milta — Kharif ke liye lagbhag July tak, Rabi ke liye December tak
📸 Photos Rakho
Fasal healthy ho tab bhi aur kharab ho tab bhi photos lete rehna — claim ke waqt yahi proof kaam aata hai
📱 App Use Karo
PMFBY mobile app se apply karna faster hota hai, aur status bhi wahi se track kar sakte ho
🏦 Bank Se Pucho
Sum insured district ke hisaab se badalta rahta hai, isliye apni bank branch se ek baar confirm kar lena behtar hai
⚠️ Fasal Bima Mein Aksar Yeh Galtiyan Hoti Hain:
📖 Fasal Bima Se Related Guides
❓ Fasal Bima Ke Baare Mein Aksar Sawaal
PMFBY, yani Pradhan Mantri Fasal Bima Yojana, government ki crop insurance scheme hai. Sukha, baadh, keede ya toofan se fasal kharab ho jaye toh compensation milta hai, aur kisan ko sirf 1.5% se 5% tak hi premium dena padta hai — baaki government ka hissa hota hai.
Kharif crops (rice, maize, cotton) ke liye 2%, Rabi crops (gehun, sarson, dal) ke liye 1.5%, aur commercial crops ke liye 5% tak. Government subsidy ki wajah se aksar kisan ka hissa 2% tak hi rehta hai.
Fasal kharab hote hi 72 ghante ke andar bank ya insurance company ko batana zaroori hai. Photos lo, PMFBY app par claim file karo, aur District Agriculture Officer ko complaint bhi de do — usually 2-4 hafte mein compensation aa jata hai.
KCC loan liya hai toh haan, compulsory hai. Bina loan ke optional hai, par lena samajhdaari hai — sirf ₹500-1000 per hectare mein lakhon tak ka cover mil jata hai.
Ye loss ke percentage par depend karta hai — 25% se zyada loss ho toh full sum insured milta hai, kam ho toh usi hisaab se partial. Maximum limit aapke sum insured amount tak hoti hai, jo generally ₹30,000-60,000 per hectare ke aas-paas hota hai.