The Indian government has rolled out an upgraded Farmers Insurance Scheme 2025 to ensure that small and marginal farmers are protected against unpredictable crop losses. With erratic weather patterns, frequent floods, droughts, and pest outbreaks, crop insurance has become a lifeline for rural India.
This year’s scheme offers broader coverage, faster claim settlement, and easy enrollment through digital platforms. It’s designed to provide not only financial security but also restore farmers’ confidence to continue cultivation without fear of debt traps.
Key Features of the 2025 Insurance Scheme
The Farmers Insurance Scheme 2025 focuses on inclusion, affordability, and rapid assistance. Key features include:
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Coverage for all food and commercial crops notified by state governments
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Compensation for yield loss, post-harvest losses, and localized calamities
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Premium capped at 2% for Kharif and 1.5% for Rabi crops (paid by farmer)
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Claims processed within 30 days of yield loss report submission
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Optional add-on cover for damage due to unseasonal rain or cyclone
The scheme operates under the revamped Pradhan Mantri Fasal Bima Yojana (PMFBY) framework with tech-backed monitoring.
Who Is Eligible for the Scheme?
The Farmers Insurance Scheme 2025 is open to:
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All land-owning farmers enrolled under state land records
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Sharecroppers and tenant farmers with valid cultivation documents
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Farmers availing crop loans (compulsory enrolment)
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Voluntary enrolment for non-loanee farmers through CSCs or mobile apps
Aadhaar linkage and bank account are mandatory to receive claim amounts.
How to Enroll in the Scheme
Enrolling in the Farmers Insurance Scheme 2025 is simple and can be done through:
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Common Service Centres (CSCs) in each village
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Krishi Sewa Kendras and agriculture department offices
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Online portals such as pmfby.gov.in or state-specific agriculture websites
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mKisan or PMFBY mobile apps
Farmers need to submit land records, sowing certificates, and past crop details to complete enrollment.
What Is Covered Under the Insurance?
The scheme ensures comprehensive protection across the crop cycle. Here’s what is covered:
| Coverage Type | What’s Included |
|---|---|
| Yield Loss | Due to drought, flood, pest attack, or disease outbreak |
| Post-Harvest Loss | Damages within 14 days of harvest due to unseasonal rain |
| Localized Calamity | Hailstorm, landslide, or cloudburst in specific geographies |
| Add-on Coverage (optional) | Cyclone, storm surge, crop fire, or heatwave |
This inclusive protection encourages farmers to continue farming without hesitation.
Claims Process and Timelines
The Farmers Insurance Scheme 2025 promotes a quick, hassle-free claims process:
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State governments conduct crop-cutting experiments (CCEs) to determine average yield
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Loss reports submitted digitally using satellite, drone, and AI-based tools
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Farmers receive SMS updates and bank transfers for approved claims
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Timeline for full claim settlement: within 30–45 days post CCE report
In cases of individual claim (localized calamity), farmers must inform local offices within 72 hours of damage.
Government and Private Sector Roles
The scheme is jointly implemented by:
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Ministry of Agriculture & Farmers Welfare
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State governments
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Approved private insurance companies like IFFCO Tokio, SBI General, Reliance General, etc.
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Agri-tech companies for satellite and AI monitoring
Premium subsidies are shared between central and state governments to keep farmer contribution low.
FAQs
Who can apply for the Farmers Insurance Scheme 2025?
All land-owning farmers, sharecroppers, and tenant farmers with valid documents can apply through CSCs or online.
How much premium do farmers have to pay?
For Kharif crops, 2% of the sum insured; for Rabi crops, 1.5%. The rest is covered by government subsidy.
How are crop losses verified?
State governments use satellite imagery, drone surveys, and crop-cutting experiments to verify damage.
Is there any deadline for enrollment?
Yes, the last date to enroll is generally 15 days before the sowing period of each crop season.
How are claims paid to farmers?
Claims are directly transferred to the farmer’s Aadhaar-linked bank account after verification and approval.
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