PM Fasal Bima Yojana 2025 – Fasal Kharab Ho Toh Ghabrana Nahi, Sarkar Degi Muaavza

Post Date: March 22, 2026 12:08 AM

Pradhan Mantri Fasal Bima Yojana ke tahat kisan ki fasal kharab hone par insurance claim milta hai. Jaanein premium kitna lagta hai, claim kaise karein aur kaunsi fasal cover hoti hai.

Kisan Ki Mehnat – Prakriti Ka Khel

Kisan mahine bhar mehnat karta hai, paisa lagata hai, umeed rakhta hai – aur phir ek baarish, ek aandhi, ek sukhaa sab kuch barbaad kar deta hai. Yeh dard sirf wahi samajh sakta hai jisne apni aankhon se fasal ko tabah hote dekha ho.

PM Fasal Bima Yojana isi dard ko thoda kam karne ki koshish hai. Agar prakriti ki wajah se fasal kharab ho jaaye toh sarkar muaavza deti hai – taaki kisan toot na jaaye aur agli baar phir se khet mein utarne ki himmat rakh sake.

Kaunsi Fasal Cover Hoti Hai?

Is yojana mein almost sabhi major crops cover hoti hain:

Kharif crops – Dhan (chawal), Makka, Bajra, Moong, Urad
Rabi crops – Gehun, Sarson, Chana, Masoor
Commercial crops – Ganna, Kapas, Pyaaz, Aalu
Horticulture crops – Aam, Kela, Angoor aur anya phal

Premium Kitna Lagta Hai?

Yeh is yojana ki sabse badi khoobsoorti hai – premium bahut kam hai:

Kharif crops ke liye sirf 2% premium
Rabi crops ke liye sirf 1.5% premium
Commercial aur horticulture crops ke liye 5% premium

Baaki premium sarkar bharta hai – state aur central government milke. Matlab aap thoda sa premium dete hain aur coverage bahut zyada milti hai.

Kab Milta Hai Muaavza?

Muaavza milta hai jab:

Baarish zyada ya kam ho
Aandhi, toofan, baarh aaye
Sukhaa pade
Keet ya bimari se fasal kharab ho
Kaate ke baad bhi agar fasal khet mein ho aur kharab ho jaaye

Claim Kaise Karein?

Fasal kharab hone ke 72 ghante ke andar insurance company ya bank ko inform karna zaroori hai. Crop Insurance App se bhi notification de sakte hain. Uske baad survey hoga aur muaavza seedha account mein aayega.

Apply Kaise Karein?

Agar aapne bank se Kisan Credit Card (KCC) loan liya hai toh aap automatically enrolled ho sakte hain. Iske alawa apne bank ya CSC center par jaayein aur enrollment karwayein. Deadline fasal ki buwai ke kuch hafte baad hoti hai.

Conclusion

Kheti mein risk hamesha rahega – prakriti ka koi bharosa nahi. Lekin PM Fasal Bima Yojana ek safety net ki tarah kaam karti hai. Thoda sa premium dekar apni mehnat ko protect karein. Ek baar fasal kharab hone par jo muaavza milega woh aapko dobara khade hone mein madad karega.