**Pradhan Mantri Fasal Bima Yojana (PMFBY) Overview**
Launched in 2016, the Pradhan Mantri Fasal Bima Yojana (PMFBY) aims to provide comprehensive crop insurance to farmers in India. It seeks to protect them against various risks and ensure financial support in case of crop failure due to natural calamities, pests, and diseases.
Key Features of PMFBY:
1. **Coverage**:
- **Crops**: The scheme covers food crops (cereals, millets, and pulses), oilseeds, and annual commercial/horticultural crops.
- **Risks**: It includes coverage against natural calamities, pests, diseases, and adverse weather conditions.
2. **Sum Insured**:
- The sum insured is based on the scale of finance determined by the State Level Coordination Committee on Crop Insurance (SLCCCI).
- The premium is calculated on the sum insured or the actual market value, whichever is lower.
3. **Premium Rates**:
- Kharif Crops: 2% of the sum insured
- Rabi Crops: 1.5% of the sum insured
- Annual Commercial/Horticultural Crops: 5% of the sum insured
- The balance premium is paid by the government to provide full insured amount to the farmers.
4. **Claim Process**:
- Claims are settled based on the yield data from the crop cutting experiments (CCE) conducted by the state government.
- Claims for localized calamities, post-harvest losses, and mid-season adversities are also covered.
5. **Technology Use**:
- Use of remote sensing technology, smartphones, and drones for faster and accurate claim assessments.
- Direct benefit transfer (DBT) to ensure quick and transparent disbursement of claims to farmers.
### Online Application for PMFBY 2024:
Farmers can apply for PMFBY online through the official portal or other authorized platforms. Here’s a step-by-step guide to apply:
1. **Visit the Official Portal**:
- Go to the PMFBY official website: [PMFBY Official Website](https://pmfby.gov.in/)
2. **Registration**:
- Click on the "Farmer Corner" or "Apply Online" section.
- If you are a new user, register by providing the necessary details such as name, mobile number, email ID, and Aadhaar number.
3. **Login**:
- After registration, log in using your credentials.
4. **Application Form**:
- Fill in the application form with details such as personal information, bank account details, crop details, and land details.
- Upload the required documents, including land ownership documents, Aadhaar card, and bank passbook.
5. **Choose Insurance Company**:
- Select the insurance company from the list of empanelled insurance companies.
6. **Premium Payment**:
- Calculate the premium based on the crop and area.
- Pay the premium online through net banking, credit/debit card, or other available payment options.
7. **Submit Application**:
- Review the filled-in details and submit the application form.
- Take a printout or save the acknowledgment receipt for future reference.
8. **Track Application**:
- You can track the status of your application through the portal using your application number or login credentials.
For further assistance, farmers can contact the local agriculture department or call the PMFBY helpline.
Would you like more information on any specific aspect of the PMFBY?
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