{"id":221,"date":"2026-02-03T17:43:37","date_gmt":"2026-02-03T12:13:37","guid":{"rendered":"https:\/\/caneup.xyz\/news\/?p=221"},"modified":"2026-02-03T17:43:37","modified_gmt":"2026-02-03T12:13:37","slug":"pmfby-sugarcane-crop-insurance-complete-guide-2026","status":"publish","type":"post","link":"https:\/\/caneup.xyz\/news\/pmfby-sugarcane-crop-insurance-complete-guide-2026\/","title":{"rendered":"PMFBY 2026 &#8211; \u0917\u0928\u094d\u0928\u093e Crop Insurance \u0938\u093f\u0930\u094d\u092b 1.5% Premium \u092a\u0930 \u0915\u0948\u0938\u0947 \u0932\u0947\u0902? \u092a\u0942\u0930\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940"},"content":{"rendered":"<div style=\"background: linear-gradient(135deg, #f0fdf4 0%, #dcfce7 100%); border-left: 5px solid #16a34a; padding: 20px; margin: 20px 0; border-radius: 8px;\">\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/caneup.xyz\/news\/pmfby-sugarcane-crop-insurance-complete-guide-2026\/#%F0%9F%93%8C_Quick_Summary\" >\ud83d\udccc Quick Summary<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/caneup.xyz\/news\/pmfby-sugarcane-crop-insurance-complete-guide-2026\/#%F0%9F%9B%A1%EF%B8%8F_PMFBY_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88_%E0%A4%94%E0%A4%B0_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%95%E0%A4%BE%E0%A4%AE_%E0%A4%95%E0%A4%B0%E0%A4%A4%E0%A5%80_%E0%A4%B9%E0%A5%88\" >\ud83d\udee1\ufe0f PMFBY \u0915\u094d\u092f\u093e \u0939\u0948 \u0914\u0930 \u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u0940 \u0939\u0948?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/caneup.xyz\/news\/pmfby-sugarcane-crop-insurance-complete-guide-2026\/#Scheme_%E0%A4%95%E0%A5%80_Main_Features\" >Scheme \u0915\u0940 Main Features:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/caneup.xyz\/news\/pmfby-sugarcane-crop-insurance-complete-guide-2026\/#%F0%9F%93%8B_%E0%A4%97%E0%A4%A8%E0%A5%8D%E0%A4%A8%E0%A4%BE_%E0%A4%95%E0%A4%BF%E0%A4%B8%E0%A4%BE%E0%A4%A8%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%8F_Coverage_Details\" >\ud83d\udccb \u0917\u0928\u094d\u0928\u093e \u0915\u093f\u0938\u093e\u0928\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f Coverage Details<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/caneup.xyz\/news\/pmfby-sugarcane-crop-insurance-complete-guide-2026\/#%F0%9F%92%B0_Premium_Calculation_%E2%80%93_Real_Example\" >\ud83d\udcb0 Premium Calculation &#8211; Real Example<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/caneup.xyz\/news\/pmfby-sugarcane-crop-insurance-complete-guide-2026\/#%F0%9F%93%9D_Enrollment_Process_%E2%80%93_Step_by_Step_Guide\" >\ud83d\udcdd Enrollment Process &#8211; Step by Step Guide<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/caneup.xyz\/news\/pmfby-sugarcane-crop-insurance-complete-guide-2026\/#%E2%8F%B0_Important_Deadlines_Dates_2026\" >\u23f0 Important Deadlines &#038; Dates 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/caneup.xyz\/news\/pmfby-sugarcane-crop-insurance-complete-guide-2026\/#%F0%9F%93%84_Required_Documents_Checklist\" >\ud83d\udcc4 Required Documents Checklist<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/caneup.xyz\/news\/pmfby-sugarcane-crop-insurance-complete-guide-2026\/#%F0%9F%92%B8_Claim_Process_%E2%80%93_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%AE%E0%A4%BF%E0%A4%B2%E0%A5%87%E0%A4%97%E0%A4%BE_Compensation\" >\ud83d\udcb8 Claim Process &#8211; \u0915\u0948\u0938\u0947 \u092e\u093f\u0932\u0947\u0917\u093e Compensation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/caneup.xyz\/news\/pmfby-sugarcane-crop-insurance-complete-guide-2026\/#%E2%9D%8C_Common_Problems_%E0%A4%94%E0%A4%B0_Solutions\" >\u274c Common Problems \u0914\u0930 Solutions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/caneup.xyz\/news\/pmfby-sugarcane-crop-insurance-complete-guide-2026\/#%F0%9F%93%9E_Important_Helpline_Numbers\" >\ud83d\udcde Important Helpline Numbers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/caneup.xyz\/news\/pmfby-sugarcane-crop-insurance-complete-guide-2026\/#%E2%9D%93_FAQs_%E2%80%93_Frequently_Asked_Questions\" >\u2753 FAQs &#8211; Frequently Asked Questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/caneup.xyz\/news\/pmfby-sugarcane-crop-insurance-complete-guide-2026\/#%F0%9F%8E%AF_Key_Takeaways\" >\ud83c\udfaf Key Takeaways<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/caneup.xyz\/news\/pmfby-sugarcane-crop-insurance-complete-guide-2026\/#%F0%9F%92%AC_%E0%A4%85%E0%A4%AA%E0%A4%A8%E0%A4%BE_Experience_Share_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\" >\ud83d\udcac \u0905\u092a\u0928\u093e Experience Share \u0915\u0930\u0947\u0902!<\/a><\/li><\/ul><\/nav><\/div>\n<h3 style=\"color: #15803d; margin-top: 0;\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%8C_Quick_Summary\"><\/span>\ud83d\udccc Quick Summary<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"font-size: 16px; line-height: 1.6;\">PMFBY (Pradhan Mantri Fasal Bima Yojana) India \u0915\u0940 \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u0940 \u0914\u0930 \u0938\u092c\u0938\u0947 \u0915\u093f\u092b\u093e\u092f\u0924\u0940 crop insurance scheme \u0939\u0948\u0964 \u0917\u0928\u094d\u0928\u093e \u0915\u093f\u0938\u093e\u0928 \u0938\u093f\u0930\u094d\u092b 1.5% premium \u0926\u0947\u0915\u0930 \u092a\u0942\u0930\u0940 crop value insure \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 Natural disasters, pests, diseases &#8211; \u0938\u092d\u0940 risks covered \u0939\u0948\u0902\u0964<\/p>\n<ul style=\"margin-bottom: 0; font-size: 15px;\">\n<li>\u23f1\ufe0f <strong>Reading Time:<\/strong> 12-14 minutes<\/li>\n<li>\ud83d\udcb0 <strong>Premium:<\/strong> \u0938\u093f\u0930\u094d\u092b 1.5% of sum insured<\/li>\n<li>\ud83d\udcc5 <strong>Last Updated:<\/strong> 3 February 2026<\/li>\n<\/ul>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"%F0%9F%9B%A1%EF%B8%8F_PMFBY_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88_%E0%A4%94%E0%A4%B0_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%95%E0%A4%BE%E0%A4%AE_%E0%A4%95%E0%A4%B0%E0%A4%A4%E0%A5%80_%E0%A4%B9%E0%A5%88\"><\/span>\ud83d\udee1\ufe0f PMFBY \u0915\u094d\u092f\u093e \u0939\u0948 \u0914\u0930 \u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u0940 \u0939\u0948?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"font-size: 16px; line-height: 1.8;\">Pradhan Mantri Fasal Bima Yojana (PMFBY) January 2016 \u092e\u0947\u0902 launch \u0939\u0941\u0908 \u0925\u0940 \u092a\u0941\u0930\u093e\u0928\u0940 insurance schemes (NAIS, MNAIS) \u0915\u0940 \u091c\u0917\u0939\u0964 \u092f\u0939 scheme farmers \u0915\u094b <strong>comprehensive risk protection<\/strong> provide \u0915\u0930\u0924\u0940 \u0939\u0948 minimal premium \u092a\u0930\u0964<\/p>\n<div style=\"background: #dbeafe; border-left: 4px solid #3b82f6; padding: 18px; margin: 20px 0; border-radius: 5px;\">\n<strong style=\"font-size: 17px;\">\ud83d\udca1 Key Point:<\/strong><\/p>\n<p style=\"margin: 10px 0 0 0; font-size: 15px;\">PMFBY \u092e\u0947\u0902 \u0915\u093f\u0938\u093e\u0928 \u0938\u093f\u0930\u094d\u092b <strong>1.5% premium<\/strong> \u0926\u0947\u0924\u093e \u0939\u0948 commercial crops (\u0917\u0928\u094d\u0928\u093e) \u0915\u0947 \u0932\u093f\u090f\u0964 \u092c\u093e\u0915\u0940 85-90% premium <strong>government subsidy<\/strong> \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964 \u092f\u093e\u0928\u0940 \u0905\u0917\u0930 total premium \u20b920,000 \u0939\u0948, \u0924\u094b \u0906\u092a \u0938\u093f\u0930\u094d\u092b \u20b9300 pay \u0915\u0930\u0947\u0902\u0917\u0947!<\/p>\n<\/div>\n<h3 style=\"color: #059669;\"><span class=\"ez-toc-section\" id=\"Scheme_%E0%A4%95%E0%A5%80_Main_Features\"><\/span>Scheme \u0915\u0940 Main Features:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul style=\"font-size: 15px; line-height: 1.8;\">\n<li>\ud83c\udf3e <strong>All Crops Covered:<\/strong> Sugarcane, paddy, wheat, pulses \u0938\u092c<\/li>\n<li>\ud83d\udcb0 <strong>Low Premium:<\/strong> 1.5% (commercial), 2% (kharif), 1.5% (rabi)<\/li>\n<li>\ud83c\udf27\ufe0f <strong>Wide Coverage:<\/strong> Drought, flood, pest attacks, natural calamities<\/li>\n<li>\ud83d\udcf1 <strong>Technology-based:<\/strong> Satellite data, drones \u0938\u0947 assessment<\/li>\n<li>\ud83c\udfe6 <strong>Quick Claims:<\/strong> Direct bank transfer (2-3 months \u092e\u0947\u0902)<\/li>\n<li>\ud83c\udd93 <strong>Voluntary:<\/strong> \u0905\u092c completely optional (2020 \u0938\u0947)<\/li>\n<li>\ud83d\udc68\u200d\ud83c\udf3e <strong>All Farmers:<\/strong> Sharecroppers, tenant farmers \u092d\u0940 eligible<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%F0%9F%93%8B_%E0%A4%97%E0%A4%A8%E0%A5%8D%E0%A4%A8%E0%A4%BE_%E0%A4%95%E0%A4%BF%E0%A4%B8%E0%A4%BE%E0%A4%A8%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%8F_Coverage_Details\"><\/span>\ud83d\udccb \u0917\u0928\u094d\u0928\u093e \u0915\u093f\u0938\u093e\u0928\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f Coverage Details<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 14px;\">\n<thead>\n<tr style=\"background: #16a34a; color: white;\">\n<th style=\"padding: 12px; text-align: left; border: 1px solid #ddd;\">Risk Covered<\/th>\n<th style=\"padding: 12px; text-align: left; border: 1px solid #ddd;\">Description<\/th>\n<th style=\"padding: 12px; text-align: left; border: 1px solid #ddd;\">Claim %<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>Prevented Sowing<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">\u0916\u0930\u093e\u092c \u092e\u094c\u0938\u092e \u0915\u0940 \u0935\u091c\u0939 \u0938\u0947 \u092c\u0941\u0935\u093e\u0908 \u0928 \u0939\u094b \u092a\u093e\u090f<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Up to 25%<\/td>\n<\/tr>\n<tr style=\"background: #f9fafb;\">\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>Standing Crop Loss<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Drought, flood, cyclone, hailstorm, pest attack<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Full sum insured<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>Post-Harvest Loss<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Harvest \u0915\u0947 14 days \u092e\u0947\u0902 cyclone\/rain damage<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Up to 25%<\/td>\n<\/tr>\n<tr style=\"background: #f9fafb;\">\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>Localized Risks<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Landslide, hailstorm, waterlogging (specific areas)<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Actual loss basis<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>Mid-Season Adversity<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Prolonged dry spell, flood during critical growth<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Up to 25%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"%F0%9F%92%B0_Premium_Calculation_%E2%80%93_Real_Example\"><\/span>\ud83d\udcb0 Premium Calculation &#8211; Real Example<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"background: white; border: 2px solid #16a34a; padding: 25px; margin: 25px 0; border-radius: 10px;\">\n<p style=\"font-size: 18px; font-weight: bold; color: #15803d; margin: 0 0 20px 0;\">\u0917\u0928\u094d\u0928\u093e \u0916\u0947\u0924\u0940 \u0915\u0947 \u0932\u093f\u090f Premium Calculator:<\/p>\n<p style=\"font-size: 16px; margin-bottom: 15px;\"><strong>\u092e\u093e\u0928 \u0932\u0940\u091c\u093f\u090f \u0906\u092a\u0915\u0940 \u0917\u0928\u094d\u0928\u0947 \u0915\u0940 crop \u0915\u093e value \u0939\u0948:<\/strong> \u20b92,00,000 per hectare<\/p>\n<div style=\"background: #f0fdf4; padding: 15px; margin: 15px 0; border-radius: 5px;\">\n<p style=\"margin: 5px 0;\"><strong>Step 1:<\/strong> Total Sum Insured = \u20b92,00,000<\/p>\n<p style=\"margin: 5px 0;\"><strong>Step 2:<\/strong> Actuarial Premium Rate = \u092e\u093e\u0928 \u0932\u0940\u091c\u093f\u090f 15% (based on area risk)<\/p>\n<p style=\"margin: 5px 0;\"><strong>Step 3:<\/strong> Total Premium = \u20b92,00,000 \u00d7 15% = \u20b930,000<\/p>\n<\/div>\n<div style=\"background: #dcfce7; padding: 20px; margin: 15px 0; border-radius: 8px; border-left: 5px solid #16a34a;\">\n<p style=\"font-size: 17px; font-weight: bold; margin: 0 0 10px 0; color: #15803d;\">\ud83d\udcca Premium Breakdown:<\/p>\n<p style=\"margin: 5px 0; font-size: 16px;\"><strong>\u0906\u092a\u0915\u093e \u0939\u093f\u0938\u094d\u0938\u093e (1.5%):<\/strong> \u20b92,00,000 \u00d7 1.5% = <span style=\"color: #16a34a; font-weight: bold;\">\u20b93,000<\/span><\/p>\n<p style=\"margin: 5px 0; font-size: 16px;\"><strong>\u0938\u0930\u0915\u093e\u0930 \u0915\u093e \u0939\u093f\u0938\u094d\u0938\u093e (13.5%):<\/strong> \u20b930,000 &#8211; \u20b93,000 = <span style=\"color: #3b82f6; font-weight: bold;\">\u20b927,000<\/span><\/p>\n<p style=\"margin: 15px 0 5px 0; font-size: 18px; color: #15803d;\"><strong>\u0906\u092a\u0915\u0940 Total Insurance Coverage:<\/strong> <span style=\"font-weight: bold;\">\u20b92,00,000<\/span><\/p>\n<p style=\"margin: 5px 0; font-size: 15px;\">\u092e\u0924\u0932\u092c \u0938\u093f\u0930\u094d\u092b \u20b93,000 pay \u0915\u0930\u0915\u0947 \u20b92 \u0932\u093e\u0916 \u0915\u093e insurance!<\/p>\n<\/div>\n<div style=\"background: #fef3c7; border-left: 4px solid #f59e0b; padding: 15px; margin: 15px 0; border-radius: 5px;\">\n<strong>\u26a0\ufe0f Important:<\/strong> Actuarial rate \u0939\u0930 area \u0915\u0947 \u0932\u093f\u090f \u0905\u0932\u0917 \u0939\u094b\u0924\u093e \u0939\u0948 (past claims history \u092a\u0930 based). \u0932\u0947\u0915\u093f\u0928 farmer premium \u0939\u092e\u0947\u0936\u093e fixed &#8211; \u0938\u093f\u0930\u094d\u092b 1.5% commercial crops \u0915\u0947 \u0932\u093f\u090f\u0964\n<\/div>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"%F0%9F%93%9D_Enrollment_Process_%E2%80%93_Step_by_Step_Guide\"><\/span>\ud83d\udcdd Enrollment Process &#8211; Step by Step Guide<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"background: white; border: 2px dashed #16a34a; padding: 25px; margin: 25px 0; border-radius: 10px;\">\n<p style=\"font-size: 18px; font-weight: bold; color: #15803d; margin-bottom: 20px;\">\u0915\u0948\u0938\u0947 enroll \u0915\u0930\u0947\u0902 PMFBY \u092e\u0947\u0902:<\/p>\n<p style=\"font-size: 17px; font-weight: bold; margin: 20px 0 15px 0; color: #059669;\">Method 1: Bank \u0915\u0947 Through (\u0905\u0917\u0930 KCC loan \u0939\u0948)<\/p>\n<ol style=\"font-size: 15px; line-height: 1.8;\">\n<li><strong>Bank Branch Visit:<\/strong> \u091c\u0939\u093e\u0902 \u0906\u092a\u0915\u093e KCC loan\/account \u0939\u0948<\/li>\n<li><strong>Insurance Form:<\/strong> PMFBY enrollment form \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0947\u0902<\/li>\n<li><strong>Details Fill \u0915\u0930\u0947\u0902:<\/strong>\n<ul style=\"margin: 10px 0; line-height: 1.7;\">\n<li>Personal details (Name, Father&#8217;s name, Aadhaar)<\/li>\n<li>Land details (Khasra number, area, village)<\/li>\n<li>Crop details (\u0917\u0928\u094d\u0928\u093e, sowing date, expected harvest)<\/li>\n<li>Bank account details<\/li>\n<li>Nomination (optional but recommended)<\/li>\n<\/ul>\n<\/li>\n<li><strong>Documents Submit:<\/strong> Land records, Aadhaar, bank passbook copy<\/li>\n<li><strong>Premium Pay \u0915\u0930\u0947\u0902:<\/strong> Cash\/account debit \u0938\u0947<\/li>\n<li><strong>Receipt &#038; Policy Number:<\/strong> \u0924\u0941\u0930\u0902\u0924 \u092e\u093f\u0932 \u091c\u093e\u090f\u0917\u093e<\/li>\n<\/ol>\n<p style=\"font-size: 17px; font-weight: bold; margin: 30px 0 15px 0; color: #059669;\">Method 2: CSC\/Online Portal<\/p>\n<ol style=\"font-size: 15px; line-height: 1.8;\">\n<li>Visit: <a href=\"https:\/\/pmfby.gov.in\" target=\"_blank\" rel=\"noopener\"><strong>pmfby.gov.in<\/strong><\/a><\/li>\n<li>&#8220;Farmer Application&#8221; \u092a\u0930 click \u0915\u0930\u0947\u0902<\/li>\n<li>&#8220;Guest Farmer&#8221; option \u091a\u0941\u0928\u0947\u0902<\/li>\n<li>Mobile number register \u0915\u0930\u0947\u0902 (OTP verify)<\/li>\n<li>Personal \u0914\u0930 land details fill \u0915\u0930\u0947\u0902<\/li>\n<li>Crop selection: Sugarcane \u2192 Area \u2192 Sowing date<\/li>\n<li>Premium amount \u0926\u0947\u0916\u0947\u0902 \u0914\u0930 confirm \u0915\u0930\u0947\u0902<\/li>\n<li>Online payment (Net banking\/UPI\/Card)<\/li>\n<li>Policy document download \u0915\u0930\u0947\u0902 (PDF)<\/li>\n<\/ol>\n<div style=\"background: #dbeafe; border-left: 4px solid #3b82f6; padding: 15px; margin: 20px 0; border-radius: 5px;\">\n<strong>\ud83d\udca1 Pro Tip:<\/strong> \u0905\u0917\u0930 online \u092e\u0947\u0902 problem \u0906 \u0930\u0939\u0940 \u0939\u0948, \u0924\u094b nearest <strong>Common Service Center (CSC)<\/strong> \u091c\u093e\u090f\u0902\u0964 \u0935\u0939\u093e\u0902 \u20b930-50 fees \u092e\u0947\u0902 \u092a\u0942\u0930\u093e process \u0915\u0930\u0935\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964\n<\/div>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"%E2%8F%B0_Important_Deadlines_Dates_2026\"><\/span>\u23f0 Important Deadlines &#038; Dates 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 14px;\">\n<thead>\n<tr style=\"background: #16a34a; color: white;\">\n<th style=\"padding: 12px; text-align: left; border: 1px solid #ddd;\">Season<\/th>\n<th style=\"padding: 12px; text-align: left; border: 1px solid #ddd;\">Crop<\/th>\n<th style=\"padding: 12px; text-align: left; border: 1px solid #ddd;\">Last Date<\/th>\n<th style=\"padding: 12px; text-align: left; border: 1px solid #ddd;\">Remarks<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>Kharif<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Spring Sugarcane<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">31 July 2026<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">\u092f\u093e sowing \u0915\u0947 15 days (\u091c\u094b \u092d\u0940 \u092a\u0939\u0932\u0947 \u0939\u094b)<\/td>\n<\/tr>\n<tr style=\"background: #f9fafb;\">\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>Rabi<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Autumn Sugarcane<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">31 Dec 2026<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">\u092f\u093e sowing \u0915\u0947 15 days<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #ddd;\" colspan=\"4\" style=\"background: #fef3c7; font-weight: bold;\">\u26a0\ufe0f Deadline miss \u0939\u094b\u0928\u0947 \u092a\u0930 enrollment \u0928\u0939\u0940\u0902 \u0939\u094b\u0917\u093e!<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"%F0%9F%93%84_Required_Documents_Checklist\"><\/span>\ud83d\udcc4 Required Documents Checklist<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 14px;\">\n<thead>\n<tr style=\"background: #16a34a; color: white;\">\n<th style=\"padding: 12px; text-align: left; border: 1px solid #ddd;\">Document<\/th>\n<th style=\"padding: 12px; text-align: left; border: 1px solid #ddd;\">Purpose<\/th>\n<th style=\"padding: 12px; text-align: left; border: 1px solid #ddd;\">Mandatory?<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>Aadhaar Card<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Identity verification + DBT<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">\u2705 \u0939\u093e\u0902 (100%)<\/td>\n<\/tr>\n<tr style=\"background: #f9fafb;\">\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>Land Records<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">\u0916\u0938\u0930\u093e\/\u0916\u0924\u094c\u0928\u0940 (ownership proof)<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">\u2705 \u0939\u093e\u0902<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>Bank Passbook<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Claim settlement \u0915\u0947 \u0932\u093f\u090f<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">\u2705 \u0939\u093e\u0902<\/td>\n<\/tr>\n<tr style=\"background: #f9fafb;\">\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>Sowing Certificate<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Patwari\/VDO \u0938\u0947 (tenant farmers \u0915\u0947 \u0932\u093f\u090f)<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">\u274c Conditional<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>Loan Sanction Letter<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">\u0905\u0917\u0930 KCC loan \u0932\u093f\u092f\u093e \u0939\u0948<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">\u274c (\u0932\u0947\u0915\u093f\u0928 helpful)<\/td>\n<\/tr>\n<tr style=\"background: #f9fafb;\">\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>Passport Photo<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Application form \u092e\u0947\u0902<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">\u2705 \u0939\u093e\u0902 (2 copies)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"%F0%9F%92%B8_Claim_Process_%E2%80%93_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%AE%E0%A4%BF%E0%A4%B2%E0%A5%87%E0%A4%97%E0%A4%BE_Compensation\"><\/span>\ud83d\udcb8 Claim Process &#8211; \u0915\u0948\u0938\u0947 \u092e\u093f\u0932\u0947\u0917\u093e Compensation?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"background: white; border: 2px solid #16a34a; padding: 25px; margin: 25px 0; border-radius: 10px;\">\n<p style=\"font-size: 18px; font-weight: bold; color: #15803\u0926; margin-bottom: 20px;\">Damage \u0939\u094b\u0928\u0947 \u092a\u0930 \u0915\u094d\u092f\u093e \u0915\u0930\u0947\u0902:<\/p>\n<p style=\"font-size: 16px; margin-bottom: 15px;\"><strong>Step 1: \u0924\u0941\u0930\u0902\u0924 Inform \u0915\u0930\u0947\u0902 (72 Hours \u092e\u0947\u0902)<\/strong><\/p>\n<ul style=\"font-size: 15px; line-height: 1.7; margin-bottom: 20px;\">\n<li>\ud83d\udcde Insurance company \u0915\u094b call \u0915\u0930\u0947\u0902: Toll-free number (policy \u092e\u0947\u0902 \u0926\u093f\u092f\u093e \u0939\u094b\u0917\u093e)<\/li>\n<li>\ud83d\udcde \u092f\u093e Bank \u0915\u094b inform \u0915\u0930\u0947\u0902<\/li>\n<li>\ud83d\udcf1 PMFBY\u092e\u094b\u092c\u093e\u0907\u0932 app \u0938\u0947 \u092d\u0940 report \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902<\/li>\n<li>\ud83c\udf10 \u092f\u093e pmfby.gov.in \u092a\u0930 &#8220;Crop Loss Intimation&#8221; form fill \u0915\u0930\u0947\u0902<\/li>\n<\/ul>\n<p style=\"font-size: 16px; margin-bottom: 15px;\"><strong>Step 2: \u092b\u094b\u091f\u094b Evidence Submit \u0915\u0930\u0947\u0902<\/strong><\/p>\n<ul style=\"font-size: 15px; line-height: 1.7; margin-bottom: 20px;\">\n<li>\ud83d\udcf8 Damaged crop \u0915\u0940 clear photos \u0932\u0947\u0902<\/li>\n<li>\ud83d\udcf8 \u0916\u0947\u0924 \u0915\u093e panoramic view<\/li>\n<li>\ud83d\udcf8 \u0905\u0917\u0930 possible \u0939\u094b \u0924\u094b video \u092d\u0940<\/li>\n<li>\ud83d\udce7 Photos email \u0915\u0930\u0947\u0902 \u092f\u093e app \u092a\u0930 upload \u0915\u0930\u0947\u0902<\/li>\n<\/ul>\n<p style=\"font-size: 16px; margin-bottom: 15px;\"><strong>Step 3: Field Survey \u0939\u094b\u0917\u093e<\/strong><\/p>\n<ul style=\"font-size: 15px; line-height: 1.7; margin-bottom: 20px;\">\n<li>\ud83d\udeb6 Insurance company \u0915\u0940 survey team \u0906\u090f\u0917\u0940 (7-15 days \u092e\u0947\u0902)<\/li>\n<li>\ud83d\udcca Damage assessment \u0915\u0930\u0947\u0902\u0917\u0947<\/li>\n<li>\ud83d\udef0\ufe0f Satellite data \u0914\u0930 drone photography \u092d\u0940 use \u0939\u094b\u0924\u0940 \u0939\u0948<\/li>\n<li>\ud83d\udcdd Assessment report \u0924\u0948\u092f\u093e\u0930 \u0939\u094b\u0917\u0940<\/li>\n<\/ul>\n<p style=\"font-size: 16px; margin-bottom: 15px;\"><strong>Step 4: Crop Cutting Experiments (CCEs)<\/strong><\/p>\n<ul style=\"font-size: 15px; line-height: 1.7; margin-bottom: 20px;\">\n<li>\ud83c\udf3e Random plots \u092e\u0947\u0902 crop yield measurement<\/li>\n<li>\ud83d\udcca Normal yield vs actual yield comparison<\/li>\n<li>\ud83c\udfaf Loss percentage calculate \u0939\u094b\u0917\u093e<\/li>\n<\/ul>\n<p style=\"font-size: 16px; margin-bottom: 15px;\"><strong>Step 5: Claim Calculation<\/strong><\/p>\n<div style=\"background: #f0fdf4; padding: 15px; margin: 15px 0; border-radius: 5px;\">\n<p style=\"margin: 5px 0; font-size: 15px;\"><strong>Formula:<\/strong> Claim Amount = Sum Insured \u00d7 (Normal Yield &#8211; Actual Yield) \/ Normal Yield<\/p>\n<p style=\"margin: 15px 0 5px 0; font-size: 15px;\"><strong>Example:<\/strong><\/p>\n<p style=\"margin: 5px 0;\">Sum Insured: \u20b92,00,000<\/p>\n<p style=\"margin: 5px 0;\">Normal Yield: 400 quintal\/hectare<\/p>\n<p style=\"margin: 5px 0;\">Actual Yield (damaged): 250 quintal\/hectare<\/p>\n<p style=\"margin: 5px 0;\">Loss: (400-250)\/400 = 37.5%<\/p>\n<p style=\"margin: 10px 0 0 0; font-weight: bold; color: #16a34a; font-size: 16px;\">Claim: \u20b92,00,000 \u00d7 37.5% = \u20b975,000<\/p>\n<\/div>\n<p style=\"font-size: 16px; margin-bottom: 15px;\"><strong>Step 6: Payment (DBT)<\/strong><\/p>\n<ul style=\"font-size: 15px; line-height: 1.7;\">\n<li>\ud83c\udfe6 \u0938\u092d\u0940 formalities complete \u0939\u094b\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 claim approve \u0939\u094b\u0917\u093e<\/li>\n<li>\ud83d\udcb0 Direct Bank Transfer \u0915\u0947 through payment<\/li>\n<li>\u23f0 normally 60-90 days \u092e\u0947\u0902 \u092a\u0948\u0938\u093e \u0906 \u091c\u093e\u0924\u093e \u0939\u0948<\/li>\n<li>\ud83d\udcf1 SMS notification \u092e\u093f\u0932\u0947\u0917\u0940<\/li>\n<\/ul>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"%E2%9D%8C_Common_Problems_%E0%A4%94%E0%A4%B0_Solutions\"><\/span>\u274c Common Problems \u0914\u0930 Solutions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<details style=\"background: #fee2e2; padding: 15px; margin: 10px 0; border-radius: 8px; border: 1px solid #fecaca; cursor: pointer;\">\n<summary style=\"font-weight: bold; font-size: 16px; color: #991b1b;\">Problem 1: &#8220;Premium deduct \u0939\u094b \u0917\u092f\u093e \u0932\u0947\u0915\u093f\u0928 policy \u0928\u0939\u0940\u0902 \u092c\u0928\u0940&#8221;<\/summary>\n<p style=\"padding-top: 10px; font-size: 15px; line-height: 1.7;\"><strong>Solution:<\/strong><\/p>\n<ul style=\"font-size: 15px;\">\n<li>\u2705 Bank \u0915\u094b complaint \u0915\u0930\u0947\u0902 (written)<\/li>\n<li>\u2705 pmfby.gov.in \u092a\u0930 &#8220;Grievance&#8221; section \u092e\u0947\u0902 online complaint \u0915\u0930\u0947\u0902<\/li>\n<li>\u2705 Reference number note \u0915\u0930 \u0932\u0947\u0902<\/li>\n<li>\u2705 \u0905\u0917\u0930 7 days \u092e\u0947\u0902 resolution \u0928\u0939\u0940\u0902, \u0924\u094b District Agriculture Officer \u0915\u094b escalate \u0915\u0930\u0947\u0902<\/li>\n<li>\u2705 Helpline: 011-23382012 \u092a\u0930 call \u0915\u0930\u0947\u0902<\/li>\n<\/ul>\n<\/details>\n<details style=\"background: #fee2e2; padding: 15px; margin: 10px 0; border-radius: 8px; border: 1px solid #fecaca; cursor: pointer;\">\n<summary style=\"font-weight: bold; font-size: 16px; color: #991b1b;\">Problem 2: &#8220;Crop damage report \u0915\u0940 \u0932\u0947\u0915\u093f\u0928 survey team \u0928\u0939\u0940\u0902 \u0906\u0908&#8221;<\/summary>\n<p style=\"padding-top: 10px; font-size: 15px; line-height: 1.7;\"><strong>Solution:<\/strong><\/p>\n<ul style=\"font-size: 15px;\">\n<li>\u2705 72 hours \u0915\u0947 \u0905\u0902\u0926\u0930 damage inform \u0915\u0930\u0928\u093e \u091c\u0930\u0942\u0930\u0940 \u0939\u0948<\/li>\n<li>\u2705 SMS \u0914\u0930 email confirmation save \u0915\u0930\u0915\u0947 \u0930\u0916\u0947\u0902<\/li>\n<li>\u2705 \u0905\u0917\u0930 15 days \u092e\u0947\u0902 survey \u0928\u0939\u0940\u0902 \u0939\u0941\u0906, \u0924\u094b insurance company \u0915\u094b reminder \u0926\u0947\u0902<\/li>\n<li>\u2705 District Collector office \u092e\u0947\u0902 written complaint \u0915\u0930\u0947\u0902<\/li>\n<li>\u2705 \u0905\u092a\u0928\u0947 photos\/videos \u0915\u094b properly document \u0915\u0930\u0915\u0947 \u0930\u0916\u0947\u0902<\/li>\n<\/ul>\n<\/details>\n<details style=\"background: #fee2e2; padding: 15px; margin: 10px 0; border-radius: 8px; border: 1px solid #fecaca; cursor: pointer;\">\n<summary style=\"font-weight: bold; font-size: 16px; color: #991b1b;\">Problem 3: &#8220;Claim amount \u092c\u0939\u0941\u0924 \u0915\u092e \u0906\u092f\u093e expected \u0938\u0947&#8221;<\/summary>\n<p style=\"padding-top: 10px; font-size: 15px; line-height: 1.7;\"><strong>Solution:<\/strong><\/p>\n<ul style=\"font-size: 15px;\">\n<li>\u2705 CCE (Crop Cutting Experiment) results check \u0915\u0930\u0947\u0902<\/li>\n<li>\u2705 \u0905\u0917\u0930 \u0906\u092a\u0915\u094b \u0932\u0917\u0924\u093e \u0939\u0948 yield assessment \u0917\u0932\u0924 \u0939\u0948, \u0924\u094b re-assessment \u0915\u0947 \u0932\u093f\u090f apply \u0915\u0930\u0947\u0902<\/li>\n<li>\u2705 Insurance ombudsman \u0915\u094b complaint \u0915\u0930\u0947\u0902 (60 days \u0915\u0947 \u0905\u0902\u0926\u0930)<\/li>\n<li>\u2705 State Agriculture Insurance scheme \u0915\u0947 nodal officer \u0915\u094b contact \u0915\u0930\u0947\u0902<\/li>\n<li>\u2705 Documentation: \u0938\u092d\u0940 photos, survey reports, communication records \u0930\u0916\u0947\u0902<\/li>\n<\/ul>\n<\/details>\n<h2><span class=\"ez-toc-section\" id=\"%F0%9F%93%9E_Important_Helpline_Numbers\"><\/span>\ud83d\udcde Important Helpline Numbers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 14px;\">\n<thead>\n<tr style=\"background: #16a34a; color: white;\">\n<th style=\"padding: 12px; text-align: left; border: 1px solid #ddd;\">Service<\/th>\n<th style=\"padding: 12px; text-align: left; border: 1px solid #ddd;\">Contact<\/th>\n<th style=\"padding: 12px; text-align: left; border: 1px solid #ddd;\">Timing<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>PMFBY Toll-free<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">\ud83d\udcde <strong>1800-180-1551<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">6 AM &#8211; 10 PM<\/td>\n<\/tr>\n<tr style=\"background: #f9fafb;\">\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>PMFBY Helpdesk<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">\ud83d\udcde <strong>011-23382012<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">9 AM &#8211; 6 PM (Mon-Fri)<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>Email Support<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">\ud83d\udce7 <strong>support.pmfby@gov.in<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">24&#215;7 (response in 48h)<\/td>\n<\/tr>\n<tr style=\"background: #f9fafb;\">\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>Website<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">\ud83c\udf10 <strong>pmfby.gov.in<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">24&#215;7<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>Mobile App<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">\ud83d\udcf1 <strong>Crop Insurance (Play Store)<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">&#8211;<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"%E2%9D%93_FAQs_%E2%80%93_Frequently_Asked_Questions\"><\/span>\u2753 FAQs &#8211; Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<details style=\"background: #f9fafb; padding: 15px; margin: 10px 0; border-radius: 8px; border: 1px solid #e5e7eb; cursor: pointer;\">\n<summary style=\"font-weight: bold; font-size: 16px; color: #059669;\">Q1: \u0915\u094d\u092f\u093e PMFBY \u0905\u092c compulsory \u0939\u0948?<\/summary>\n<p style=\"padding-top: 10px; font-size: 15px; line-height: 1.7;\"><strong>Ans:<\/strong> \u0928\u0939\u0940\u0902! February 2020 \u0938\u0947 PMFBY <strong>completely voluntary<\/strong> \u0939\u0948\u0964 \u092a\u0939\u0932\u0947 loanee farmers \u0915\u0947 \u0932\u093f\u090f mandatory \u0925\u093e, \u0932\u0947\u0915\u093f\u0928 \u0905\u092c \u0915\u094b\u0908 \u092d\u0940 farmer \u0905\u092a\u0928\u0940 \u0907\u091a\u094d\u091b\u093e \u0938\u0947 enroll \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948 \u092f\u093e \u0928\u0939\u0940\u0902 \u092d\u0940\u0964<\/p>\n<\/details>\n<details style=\"background: #f9fafb; padding: 15px; margin: 10px 0; border-radius: 8px; border: 1px solid #e5e7eb; cursor: pointer;\">\n<summary style=\"font-weight: bold; font-size: 16px; color: #059669;\">Q2: \u0905\u0917\u0bb0 \u092e\u0948\u0902 tenant farmer \u0939\u0942\u0902 (\u0916\u0941\u0926 \u0915\u0940 \u091c\u092e\u0940\u0928 \u0928\u0939\u0940\u0902), \u0915\u094d\u092f\u093e \u092e\u0948\u0902\u092d\u0940 enroll \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0942\u0902?<\/summary>\n<p style=\"padding-top: 10px; font-size: 15px; line-height: 1.7;\"><strong>Ans:<\/strong> \u0939\u093e\u0902, 100%! Tenant farmers \u0914\u0930 sharecroppers \u092d\u0940 eligible \u0939\u0948\u0902\u0964 \u092c\u0938 \u0906\u092a\u0915\u094b <strong>sowing certificate<\/strong> \u091a\u093e\u0939\u093f\u090f \u0939\u094b\u0917\u093e patwari\/VDO \u0938\u0947, \u091c\u094b \u092f\u0939 prove \u0915\u0930\u0947 \u0915\u093f \u0906\u092a \u0909\u0938 land \u092a\u0930 farming \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902\u0964<\/p>\n<\/details>\n<details style=\"background: #f9fafb; padding: 15px; margin: 10px 0; border-radius: 8px; border: 1px solid #e5e7eb; cursor: pointer;\">\n<summary style=\"font-weight: bold; font-size: 16px; color: #059669;\">Q3: \u0915\u094d\u092f\u093e partial damage \u092a\u0930 \u092d\u0940 claim \u092e\u093f\u0932 \u0938\u0915\u0924\u093e \u0939\u0948?<\/summary>\n<p style=\"padding-top: 10px; font-size: 15px; line-height: 1.7;\"><strong>Ans:<\/strong> \u0939\u093e\u0902! Minimum <strong>33% \u092f\u093e \u0909\u0938\u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e yield loss<\/strong> \u0939\u094b\u0928\u0947 \u092a\u0930 claim eligible \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0905\u0917\u0930 50% damage \u0939\u0948, \u0924\u094b 50% of sum insured \u092e\u093f\u0932\u0947\u0917\u093e\u0964 Complete crop failure \u092e\u0947\u0902 100% amount\u0964<\/p>\n<\/details>\n<details style=\"background: #f9fafb; padding: 15px; margin: 10px 0; border-radius: 8px; border: 1px solid #e5e7eb; cursor: pointer;\">\n<summary style=\"font-weight: bold; font-size: 16px; color: #059669;\">Q4: \u0905\u0917\u0930 \u092e\u0947\u0930\u0947 \u092a\u093e\u0938 multiple plots \u0939\u0948\u0902, \u0938\u092c\u0915\u0947 \u0932\u093f\u090f \u0905\u0932\u0917 insurance \u0932\u0947\u0928\u093e \u0939\u094b\u0917\u093e?<\/summary>\n<p style=\"padding-top: 10px; font-size: 15px; line-height: 1.7;\"><strong>Ans:<\/strong> \u0928\u0939\u0940\u0902\u0964 \u090f\u0915 \u0939\u0940 application \u092e\u0947\u0902 \u0938\u092d\u0940 plots add \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 Total area \u0914\u0930 each plot \u0915\u0940 details (khasra numbers) clearly mention \u0915\u0930\u0928\u0940 \u0939\u094b\u0917\u0940\u0964 Premium total insured amount \u092a\u0930 calculate \u0939\u094b\u0917\u093e\u0964<\/p>\n<\/details>\n<details style=\"background: #f9fafb; padding: 15px; margin: 10px 0; border-radius: 8px; border: 1px solid #e5e7eb; cursor: pointer;\">\n<summary style=\"font-weight: bold; font-size: 16px; color: #059669;\">Q5: \u092a\u093f\u091b\u0932\u0947 \u0938\u093e\u0932 claim \u0928\u0939\u0940\u0902 \u0932\u093f\u092f\u093e, \u0907\u0938 \u0938\u093e\u0932 \u092b\u093f\u0930 \u0938\u0947 enroll \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902?<\/summary>\n<p style=\"padding-top: 10px; font-size: 15px; line-height: 1.7;\"><strong>Ans:<\/strong> \u0939\u093e\u0902, \u092c\u093f\u0932\u094d\u0915\u0941\u0932! PMFBY <strong>season-wise<\/strong> \u0939\u094b\u0924\u0940 \u0939\u0948 &#8211; Kharif \u0914\u0930 Rabi \u0905\u0932\u0917-\u0905\u0932\u0917\u0964 \u0939\u0930 season \u092e\u0947\u0902 fresh enrollment \u0915\u0930\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964 Previous year \u0915\u093e \u0915\u094b\u0908 \u0905\u0938\u0930 \u0928\u0939\u0940\u0902  \u092a\u0921\u093c\u0924\u093e, \u0928 premium \u092a\u0930 \u0928 eligibility \u092a\u0930\u0964<\/p>\n<\/details>\n<details style=\"background: #f9fafb; padding: 15px; margin: 10px 0; border-radius: 8px; border: 1px solid #e5e7eb; cursor: pointer;\">\n<summary style=\"font-weight: bold; font-size: 16px; color: #059669;\">Q6: \u0915\u094d\u092f\u093e organic farming \u092f\u093e intercropping \u092d\u0940 covered \u0939\u0948?<\/summary>\n<p style=\"padding-top: 10px; font-size: 15px; line-height: 1.7;\"><strong>Ans:<\/strong> \u0939\u093e\u0902! Farming method \u0938\u0947 \u0915\u094b\u0908 \u092b\u0930\u094d\u0915 \u0928\u0939\u0940\u0902 \u092a\u0921\u093c\u0924\u093e\u0964 Organic, intercropping, \u092f\u093e traditional &#8211; \u0938\u092d\u0940 \u0924\u0930\u0940\u0915\u094b\u0902 \u0938\u0947 \u0915\u0940 \u0917\u0908 farming covered \u0939\u0948\u0964 \u092c\u0938 declared crop (\u0917\u0928\u094d\u0928\u093e) \u0915\u0940 actual \u0938owing proof \u0939\u094b\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964<\/p>\n<\/details>\n<hr style=\"margin: 40px 0;\">\n<h2><span class=\"ez-toc-section\" id=\"%F0%9F%8E%AF_Key_Takeaways\"><\/span>\ud83c\udfaf Key Takeaways<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"background: linear-gradient(135deg, #dcfce7 0%, #bbf7d0 100%); padding: 25px; margin: 25px 0; border-radius: 12px; border: 2px solid #16a34a;\">\n<p style=\"font-size: 16px; font-weight: bold; margin: 0 0 15px 0; color: #15803d;\">\u2705 Remember These Points:<\/p>\n<ol style=\"font-size: 15px; line-height: 2;\">\n<li><strong>\u0938\u0938\u094d\u0924\u093e Premium:<\/strong> \u0938\u093f\u0930\u094d\u092b 1.5% &#8211; \u092c\u093e\u0915\u0940 govt \u0926\u0947\u0917\u0940<\/li>\n<li><strong>Wide Coverage:<\/strong> \u0938\u092d\u0940 natural risks + pests covered<\/li>\n<li><strong>Tenant \u092d\u0940 eligible:<\/strong> \u0916\u0941\u0926 \u0915\u0940 \u091c\u092e\u0940\u0928 \u091c\u0930\u0942\u0930\u0940 \u0928\u0939\u0940\u0902<\/li>\n<li><strong>Deadline \u0915\u093e \u0927\u094d\u092f\u093e\u0928:<\/strong> Sowing \u0915\u0947 15 days \u092f\u093e cut-off date<\/li>\n<li><strong>72 Hours Rule:<\/strong> Damage \u0939\u094b\u0928\u0947 \u092a\u0930 \u0924\u0941\u0930\u0902\u0924 inform \u0915\u0930\u0947\u0902<\/li>\n<li><strong>DBT Payment:<\/strong> Claim directly bank account \u092e\u0947\u0902<\/li>\n<li><strong>Mobile App:<\/strong> \u0938\u092d\u0940 status check \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f<\/li>\n<\/ol>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"%F0%9F%92%AC_%E0%A4%85%E0%A4%AA%E0%A4%A8%E0%A4%BE_Experience_Share_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\"><\/span>\ud83d\udcac \u0905\u092a\u0928\u093e Experience Share \u0915\u0930\u0947\u0902!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"font-size: 16px; line-height: 1.8;\">\u0915\u094d\u092f\u093e \u0906\u092a\u0928\u0947 PMFBY \u0915\u0947 \u0924\u0939\u0924 \u0917\u0928\u094d\u0928\u0947 \u0915\u093e insurance \u0932\u093f\u092f\u093e \u0939\u0948? \u0915\u094b\u0908 problem \u0906\u0908 \u092f\u093e claim successfully \u092e\u093f\u0932 \u0917\u092f\u093e? \u0928\u0940\u091a\u0947 <strong>comment<\/strong> \u092e\u0947\u0902 \u092c\u0924\u093e\u090f\u0902 &#8211; \u0906\u092a\u0915\u093e experience \u0926\u0942\u0938\u0930\u0947 \u0915\u093f\u0938\u093e\u0928 \u092d\u093e\u0907\u092f\u094b\u0902 \u0915\u0940 help \u0915\u0930\u0947\u0917\u093e! \ud83d\ude4f<\/p>\n<p style=\"font-size: 16px; line-height: 1.8;\">\u0907\u0938 important information \u0915\u094b \u0905\u092a\u0928\u0947 \u0917\u093e\u0902\u0935 \u0915\u0947 \u0938\u092d\u0940 \u0915\u093f\u0938\u093e\u0928\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 <strong>WhatsApp groups<\/strong> \u092e\u0947\u0902 \u091c\u0930\u0942\u0930 share \u0915\u0930\u0947\u0902!<\/p>\n<hr style=\"margin: 30px 0; border: none; border-top: 2px dashed #16a34a;\">\n<div style=\"background: #f9fafb; padding: 20px; border-radius: 8px; text-align: center;\">\n<p style=\"color: #6b7280; font-size: 15px; margin: 5px 0;\">\n<strong>\u270d\ufe0f Written by:<\/strong> Amit Kumar (Agricultural Insurance Expert)<br \/>\n<strong>\ud83d\udcc5 Published:<\/strong> 3 February 2026<br \/>\n<strong>\ud83d\udcc5 Last Updated:<\/strong> 3 February 2026<br \/>\n<strong>\ud83d\udcca Reading Time:<\/strong> 12-14 minutes\n<\/p>\n<\/div>\n<p style=\"text-align: center; font-size: 14px; color: #6b7280;\">\n<strong>Tags:<\/strong> #PMFBY #FasalBimaYojana #CropInsurance #\u0917\u0928\u094d\u0928\u093e\u092c\u0940\u03bc #1.5Premium #GovernmentScheme2026<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pradhan Mantri Fasal Bima Yojana (PMFBY) \u0915\u0947 \u0924\u0939\u0924 \u0917\u0928\u094d\u0928\u0947 \u0915\u093e insurance \u0915\u0930\u0935\u093e\u0915\u0930 natural disasters \u0938\u0947 financial protection \u092a\u093e\u090f\u0902\u0964 \u0938\u093f\u0930\u094d\u092b 1.5% premium pay \u0915\u0930\u0947\u0902, \u092c\u093e\u0915\u0940 90% \u0938\u0930\u0915\u093e\u0930 \u0926\u0947\u0917\u0940\u0964 Claim process, enrollment, benefits \u0915\u0940 complete information 2026\u0964<\/p>\n","protected":false},"author":1,"featured_media":220,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[232,195,233,234],"tags":[275,274,202,183,269],"class_list":["post-221","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-crop-insurance","category-ganna-kisan","category-pmfby","category-risk-management","tag-1-5-premium","tag-fasal-bima-yojana","tag-pmfby","tag-sugarcane-crop-insurance","tag-269"],"_links":{"self":[{"href":"https:\/\/caneup.xyz\/news\/wp-json\/wp\/v2\/posts\/221","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/caneup.xyz\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/caneup.xyz\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/caneup.xyz\/news\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/caneup.xyz\/news\/wp-json\/wp\/v2\/comments?post=221"}],"version-history":[{"count":1,"href":"https:\/\/caneup.xyz\/news\/wp-json\/wp\/v2\/posts\/221\/revisions"}],"predecessor-version":[{"id":230,"href":"https:\/\/caneup.xyz\/news\/wp-json\/wp\/v2\/posts\/221\/revisions\/230"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/caneup.xyz\/news\/wp-json\/wp\/v2\/media\/220"}],"wp:attachment":[{"href":"https:\/\/caneup.xyz\/news\/wp-json\/wp\/v2\/media?parent=221"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/caneup.xyz\/news\/wp-json\/wp\/v2\/categories?post=221"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/caneup.xyz\/news\/wp-json\/wp\/v2\/tags?post=221"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}