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P.M.F.B.Y. (Pradhan Mantri Fasal Bima Yojana) Online Form | Khedut Pak Bima | Online Form Available For Download

Pradhan Mantri Fasal Bima Yojana:

India is considered to be the backbone of our country, with the employment of around 52% of the total population of the country running through agricultural or agro-based industries. Our farming is mostly rain-fed and farmers have to bear an accidental loss in agriculture due to unusual weather events such as flood, drought, cyclonic storms, and agricultural production remains uncertain. The Prime Minister’s crop insurance scheme has been started by the government to provide protection against such losses.

Features of the scheme:

  1. Farmers will have to pay less premium and the burden of the remaining premium, which will be filled by the government even though 90% apart.
  2. A premium for one season of food crops, pulses and oil seeds is to be kept.
  3. At least the premium rate for farmers (rate) – One Crop One Premium (Kharif: Xx, Ravi: 1.5%, Annual Horticultural and Commercial crops: 5%)
  4. Separate premium rates for districts and crops will now be exempt.
  5. Since there is no limit on the sum insured, there will be no reduction in the claim amount.
  6. Due to storms and monsoon rains, the risks associated with loss of sowing are included.
  7. Water-stressing status is included in the list of local risks.
  8. There is an emphasis on the widely used mobile and satellite technology for a quick assessment of the exact estimates and claims.

Project Objectives:

  1. Financial support is provided to the farmers in a predictable way, with the loss or loss of crops.
  2. To encourage farmers to adopt innovative and modern farming practices.
  3. Credit flow can be ensured in agriculture and farmers can be protected with production risks.

The amount in the plan:

In the plan, the District Technical Committee will determine the size of the crop money and it will be considered as a sum insured for the crop. In addition, the provision of Sum insured limit has also been removed so that farmers can take full advantage of the insured.

Features of the scheme:

  1. Farmers will have to pay less premium and the burden of the remaining premium, which will be filled by the government even though 90% apart.
  2. A premium for one season of food crops, pulses and oil seeds is to be kept.
  3. At least the premium rate for farmers (rate) – One Crop One Premium (Kharif: Xx, Ravi: 1.5%, Annual Horticultural and Commercial crops: 5%)
  4. Separate premium rates for districts and crops will now be exempt.
  5. Since there is no limit on the sum insured, there will be no reduction in the claim amount.
  6. Due to storms and monsoon rains, the risks associated with loss of sowing are included.
  7. Water-stressing status is included in the list of local risks.
  8. There is an emphasis on the widely used mobile and satellite technology for a quick assessment of the exact estimates and claims.

The unit of insurance in the plan:

The implementation of the scheme will be based on “Area-Approach”. For major crops, the unit of insurance will be village panchayat and for other crops, the unit of insurance will be decided by the state government. And this would be a higher level unit than village / village panchayat.

Covers that farmers:

  • All the farmers, who have been advised in the declared areas, are eligible for the amount of insurance, frequency of farming, all farmers, including farming farmers and marginal farmers. Farmers who have not been borrowed have given land related proofs in POR, Certificate of Land Acquisition (LPC) etc., or details of agreement with the concerned state government, approved agreements, other documents (farming or partaking by partnering) Farmers will have to present).
  • Farmers who have taken loans under the Seasonal Agricultural Program for the proposed crop from financial institutions will be compulsorily included in the scheme. It is not mandatory for the farmers who have not been financed in the scheme.

Risks covered and excluded under the scheme:

  • Extreme risk insurance will be provided to provide protection to the loss of yield due to fire, lightning, hurricanes, crumbling, cyclone, stormy floods, floods, floods, landslides, droughts, weather, crop diseases and pests.
  • On the basis of protective sowing, if the insured farmer is protected from sowing, planting due to the weather, they will be able to claim the same percentage of sum insured despite spending on sowing / planting.
  • After harvest, the affected crops will be included in crop rotation, seasoning, cyclone risk for maximum two weeks and the claims will be assessed and paid accordingly.
  • General Exclusion: The risks of war and molecular risks, damage done by evil spirits, and other preventable risks have been excluded.

Farmers to keep in mind to register for the scheme:

  • After the government has issued a copy of the notification of this scheme to each bank, the farmers will have to register online at ikhedut https://ikhedutgujaratgov.in/. In which the farmers apply online for their surveying number, area, credit details, which crops are to be made online. In the notification, the field based crop should be taken only. Loan / unused crop producers are entitled to the benefit of new crop insurance scheme. Farmers not taking loans will go to the I-farmer Portal for the benefit of the insurance plan and choose those benefits.
  • Farmers can use the premium calculator to see the first insurance premium count. The details of the application are divided into three parts. The applicant will have to fill the details of the part 1,2 and 3 mentioned below. (A) Part-I of the applicant’s primary information (b) Part-2 Landlord’s account of the applicant and the information of the depositor (c) Part-3 information on crop land area and its insurance
  • Applicants must provide a mobile number and they will be able to know about this plan through SMS.
  • By applying a printout of the application of the Farmer Portal, the farmer must sign or apply the application form on the insurance company, private bank or from where it is required to insure.
  • Farmers must submit application form for crop insurance to the bank or the amount of insurance and documents required by the agent determined by the agent determined by the insurance company.
  • The application form (proposal letter) which the receipt of the application will be accepted by the bank accepting the application form (proposal letter), no improvement can be made by the applicant. The second bank will not be able to accept another form for the survey number which has been accepted by the bank, which has given its online receipt. As long as the entire area of ​​a survey number is not fully used, different area-wide requests can be made and banks will be able to accept it. After the receipt of receipt of the proposal from the applicant by presenting it in the bank of the proposal letter and if there is an improvement in other crop details, then it will be filled in the declaration by printing the declaration and presenting it in the bank.
  • This scheme is optional for all state governments and Union Territories, so all states and Union Territories can participate in this scheme. Farmers of grains, oilseeds, annual horticultural crops can be able to insure crop in areas and crops notified by the state’s union territories and crops. The new scheme is mandatory for KCC account holders (known as lawn farmers) and all other farmers can also insure the crop if they wish. The scheme is easy to register and will provide maximum protection against loss.

Important Instructions:

  • You can use the premium calculator to see the
  • first insurance premium count.
  • The details of the application are divided
  • into three parts.
  • Part-I applicant’s primary information.
  • Part-II Landlord and landlord’s information
  • about the applicant’s land.
  • Part-III. Information on crop land area and
  • its insurance
  • The applicant must give the mobile number and
  • it will be informed about this plan by SMS.
  • The applicant has to fill the details of Part
  • B2, and 3.
  • The applicant will take the print out of the
  • proposal letter and submit it to the bank and get his receipt from there.
  • There will be no improvement in the
  • application form (proposal letter) by the applicant who receives the
  • acknowledgment of the application form (proposal letter) by the bank.
  • The bank will not be able to accept another
  • form for the survey number other than the bank which has accepted the form of
  • the serial number and given its online receipt.
  • As long as the entire area of ​​a
  • survey number is not fully used, different areas of the regional area can be
  • made and banks can accept it.
  • If the applicant submits the printed letter
  • of the proposal letter to the bank and after obtaining his receipt, if the
  • other details of the crop or crop are found to be correct, then it will be
  • filled in the declaration by printing his declaration and presenting it to the
  • bank.
  • If the farmer is found to have forgotten the
  • details of the form and the form has been accepted by the bank, the farmer will
  • be able to fill the new form in the bank and the bank can cancel the old form
  • and accept new forms.

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