PM Fasal Bima Yojana Rabi 2025-26: Registration Open Until December 31 for Farmers

PM Fasal Bima Yojana Rabi 2025-26: Registration Open Till December 31, Key Dates, Premiums and Claim Rules Farmers get 1–31 December to enrol under PMFBY for Rabi 2025-26; know state deadlines, premium rates, helplines and claim steps to stay protected from extreme weather losses this season.

The Pradhan Mantri Fasal Bima Yojana (PMFBY) enrolment window for Rabi 2025–26 is now open nationwide from 1 December to 31 December 2025, giving farmers a month to insure wheat, mustard, potato and other notified crops at subsidised premiums. Officials are urging growers to register early, as extreme rain, hail, drought and pest attacks continue to drive costly crop losses across many states.

Under PMFBY, farmers pay a fixed share of the actuarial premium, while Centre and states bear the rest. For Rabi food and oilseed crops, the farmer premium is capped at 1.5 percent of the sum insured; for annual commercial and horticultural crops it is 5 percent. The Union Cabinet has already cleared continuation of PMFBY and related weather-based insurance schemes till 2025–26 with a budget outlay of ₹69,515.71 crore.

PM Fasal Bima Yojana Rabi 2025-26: Key dates and state-wise deadlines

The Agriculture Ministry has declared a national “Fasal Bima Week” for Rabi 2025–26 from 1 to 31 December 2025, with departments warning there is little chance of an extension beyond 31 December. Most states have aligned enrolment deadlines with this window, though some have earlier cut-offs, so farmers are advised to confirm dates with local agriculture offices or district portals before waiting till the last week.

*Farmers must verify the notified date for their district and crop before enrolment.

How to register for PMFBY Rabi 2025-26 and key helplines

Non-loanee farmers can apply online through the National Crop Insurance Portal (pmfby.gov.in), at Common Service Centres, or via banks and authorised insurance agents by submitting Aadhaar, land records and sowing details. For assistance, a centralised “Kisan Rakshak” helpline 14447 and portal have been launched, along with the all-India Kisan Call Centre number 1800-180-1551 for scheme and crop queries.

Union Agriculture Minister Arjun Munda said during the launch that the centralised “'Kisan Rakshak Helpline 14447’” would support farmers using PMFBY and new agri-tech platforms. Farmers can also use the official Crop Insurance mobile app or WhatsApp support numbers advertised by implementing insurers to track enrolment, know notified crops in their block and download policy documents after premium payment.

PMFBY Rabi 2025-26: Rules for KCC loanee farmers and premium slabs

For Kisan Credit Card (KCC) loanee farmers growing notified crops, banks generally auto-enrol them under PMFBY unless they opt out. Operational guidelines require such loanee farmers to submit a signed opt-out declaration at least seven days before the enrolment and premium-debit cut-off date; any change in the crop plan must reach the bank at least two days before the same cut-off, supported by an official sowing certificate.

The balance of the actuarial premium is shared between Centre and state, with higher central support for north-eastern and some hilly states. The Agriculture Ministry says PMFBY has disbursed about ₹1.75 lakh crore in claims to more than 23 crore farmer applications since 2016, and the scheme saw a sharp rise in voluntary participation in recent years.

What PM Fasal Bima Yojana covers this Rabi, including extreme weather

PMFBY provides comprehensive yield-based cover for notified Rabi crops against drought, dry spells, floods, inundation, hailstorm, landslides, natural fire, lightning, pest attacks and diseases. It also covers prevented sowing where adverse weather stops planting, with claims up to 25 percent of the insured sum, and “mid-season adversity” situations where expected yield falls below half of normal due to severe conditions like prolonged drought or floods.

For extreme weather after harvest, the scheme offers protection for up to 14 days for crops kept in cut-and-spread condition in the field, against unseasonal or cyclonic rains and hailstorms. Localised calamities such as isolated hailstorms, inundation, cloudbursts, landslides or lightning-caused fires are assessed on individual farm basis, allowing compensation even when the wider block has normal yields, provided the farmer is insured and reports damage correctly.

Claim checklist for PMFBY Rabi 2025-26 to avoid rejection

Experts underline that delayed intimation is a common reason for claim rejection. Under PMFBY rules, farmers must report localised damage or post-harvest losses within 72 hours of the event, through the Crop Insurance app, Krishi Rakshak portal and helpline 14447, their bank, local agriculture office or directly to the insurer’s toll-free number. Field officials then verify damage and forward reports within fixed timelines.

Farmers are advised to record the date and time of loss, click geo-tagged photos where possible, keep sowing certificates and land records ready, and ensure Aadhaar-linked bank details are correct for direct benefit transfer of approved claims. Registering under PMFBY before their state’s last date, and following the 72-hour reporting rule during Rabi 2025–26, can be decisive in protecting household income against this season’s weather and pest risks.

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