PMFBY Bihar 2026 - Pradhan Mantri Fasal Bima Yojana Apply Online

Bhaiyon, kheti mein mehnat aapki, par baarish, sukha ya keeda fasal barbaad kare to nuksaan kaun bhare? Jawab hai PMFBY Bihar 2026. Kharif 2026 registration shuru hai aur sirf 2% premium mein paddy, maize aur dalhan insure ho jaati hai. Baaki subsidy Central + State Government bharti hai.

PMFBY Bihar 2026 - Quick Info

Last date apne district ki notification mein dekhein, kyunki Bihar ke alag-alag districts ke liye cut-off thoda aage-peeche hota hai.

PMFBY Bihar Eligibility (Loanee + Non-Loanee farmers)

Do tarah ke kisan apply kar sakte hain:

• Loanee Farmers: Jinhone bank/cooperative se KCC ya crop loan liya hai. Yeh auto-enrolled ho jaate the pehle, par ab voluntary scheme hai - bank ko declaration dena padta hai agar opt-out karna hai.
• Non-Loanee Farmers: Jinka koi loan nahi hai. Ye khud pmfby.gov.in pe ya CSC se apply karte hain.

Sharein: Bihar ka resident farmer, notified crop bo raha ho, notified village mein zameen ho (chahe owner ho, share-cropper ho, ya tenant ho).

PMFBY Bihar Premium Rates (Kharif 2% / Rabi 1.5% / Commercial 5%)

Farmer ko sirf itna dena hai:

• Kharif crops (paddy, maize, arhar, urad): 2% of Sum Insured
• Rabi crops (wheat, gram, mustard, masoor): 1.5% of Sum Insured
• Commercial / Horticulture crops: 5% of Sum Insured

Baaki actuarial premium Government bharti hai - 50:50 Centre aur State. Matlab Rs 1 lakh paddy insure ke liye aap sirf Rs 2,000 denge.

PMFBY Bihar Covered Crops 2026 (Paddy / Maize / etc.)

Bihar ke liye notified crops:

• Kharif: Paddy (dhan), Maize (makka), Arhar, Urad, Moong, Sesame (til), Soybean
• Rabi: Wheat (gehu), Gram (chana), Mustard (sarso), Masoor, Potato (kuch districts)
• Commercial / Horticulture (5% premium): Vegetables aur fruits jo notified hain

Bihar ne maize aur vegetable growers ko bhi cover mein liya hai - Samastipur, Khagaria, Begusarai ke makka belt ke liye raahat. Exact crop+village notified hai ya nahi, dbtagriculture.bihar.gov.in ya block office se confirm karein.

PMFBY Bihar Online Apply Process (Self + CSC)

Method 1: Self (Farmer Portal)

1. pmfby.gov.in kholein
2. "Farmer Corner" pe click karein, naya account banayein (Aadhaar + Mobile OTP)
3. State = Bihar, District, Block, Village select karein
4. Crop, area (hectare mein), sowing date daalein
5. Bank account details (Aadhaar-linked) daalein
6. Premium online pay karein (UPI/Net Banking)
7. Receipt download karein - yahi proof hai

Method 2: CSC (Common Service Centre)

Nazdeeki CSC pe Aadhaar, bank passbook, khatiyan/LPC aur sowing certificate le ke jaayein. CSC operator Rs 40 service charge le sakta hai - isse zyada de to mana karein.

Method 3: Bank (loanee farmers ke liye) - apni KCC branch mein PMFBY form bhar dein.

PMFBY Bihar Claim Process (Crop Loss Reporting 72-hour rule)

Bhaiyon, yeh sabse important rule hai - fasal ka nuksaan hote hi 72 ghante ke andar report karna zaroori hai. Warna claim reject ho sakta hai.

72-hour reporting ke 4 tareeke:

1. Crop Insurance App (Google Play se download)
2. PMFBY toll-free helpline 14447
3. Insurance company ka toll-free number (policy receipt par likha hota hai)
4. Block agriculture officer ko likhit suchna

Kya batana hai: Survey number, crop, kitni zameen affected, kaun sa cause (baarish, oola, sukha, baadh, keeda).

Iske baad surveyor 7-10 din mein aata hai, joint inspection hota hai aur claim Aadhaar-linked bank mein DBT se aata hai - bina middleman ke.

PMFBY Bihar Sum Insured Calculation

Sum Insured = Scale of Finance (jo District Level Technical Committee fix karti hai) x area in hectares.

Example: Paddy ka scale of finance Rs 70,000 per hectare hai, aapne 2 hectare bo diya. Sum Insured = Rs 1,40,000. Aapka premium 2% = Rs 2,800. Agar puri fasal barbaad ho jaaye, claim Rs 1.4 lakh tak mil sakta hai.

Exact scale of finance apne district ke PMFBY notification mein dekhein.

PMFBY Bihar Kharif vs Rabi Dates

Yeh dates indicative hain - state notification mein exact date check karein. Cut-off ke baad apply nahi hota.

PMFBY Bihar Scam Warning

• PMFBY ki koi application fee nahi hai - sirf premium aur (CSC se kiya to) Rs 40 service charge.
• "Insurance approve karwa denge" bolne wala koi WhatsApp/call agent 100% fake hai - block aur report karein.
• Premium hamesha online ya bank receipt se bharein, kabhi cash kisi agent ko mat dein.
• Claim ke liye koi "processing fee" nahi maangi jaati - DBT se seedha account mein aata hai.

PMFBY Bihar FAQs

Q: PMFBY Bihar 2026 ka last date kya hai? A: Kharif season ke liye typically 31 July, par exact date apne district ki notification mein dekhein.

Q: Kya non-loanee farmer apply kar sakta hai? A: Haan, koi bhi farmer pmfby.gov.in ya CSC se apply kar sakta hai, loan ho ya na ho.

Q: Paddy ka premium kitna lagega? A: Sum Insured ka 2%. Rs 1 lakh insure ke liye sirf Rs 2,000.

Q: Fasal nuksaan ke kitne din mein report karna hai? A: Sirf 72 ghante. App / 14447 / insurance company - kahin se bhi report karein.

Q: Claim paisa kaise milta hai? A: Aadhaar-linked bank account mein DBT se. Koi middleman nahi.

Q: Sowing certificate kahan se? A: Village panchayat ya block agriculture office. Kuch jagah self-declaration bhi accept.

Q: Vegetable bima hota hai? A: Haan, notified vegetables 5% premium pe cover. Block office se list confirm.

PMFBY Bihar - Related Schemes

• Karpuri Thakur Kisan Samman Nidhi 2026
• Bihar Krishi Input Anudaan 2026
• Bihar DBT Agriculture Registration 2026
• PM Kisan eKYC Status Bihar 2026
• Bihar Krishi Yantrikaran 2026

Bhaiyon, chai-samose ke kharche mein fasal insure ho jaati. Aaj hi apply.