Fasal bima Bihar Yojana is a plan made by the government india to help farmer saving crop from bad things like unwanted organisms. It means saving the crop like Crop Insurance Plan in English.in the form as Farmer pay little money and government pay more money in the maintenance of the crop.
If crop get hurt by huge rain, too much water, fire, bug, sick or other thing, farmer can get money for crop from the government. This plan covers different crop like food, oil, business and garden crop. Plan also covers loss before plant, after cut and due to near bad thing. Government want to help make more food in farm and make farmer less worry.
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What is The Aim Of Fasal Bima Bihar
The aim of Fasal Bima Yojana is to support production of goods and vegetables in the respective field of agriculture. as well as providing affordable crop insurance to the farmers of the state. helps farmers to get compensation for crop losses due to natural disasters, pests, diseases and other causes. It also encourages farmers to adopt modern farming practices and technologies. It will be more beneficial for them to get profits and in maintaining their loss.
What are the benefits of Fasal bima Bihar Yojana?
The benefits of Fasal Bima Yojana are:
- Fasal bima yojana covers all types of crops, including food crops, oilseeds, commercial crops and horticultural crops for giving to the farmers to grow best crop.
- This yojana gives a low premium rates for farmers – 2% for kharif crops, 1.5% for rabi crops and 5% for annual commercial/horticultural crops.
- It has a uniform sum insurance for all the farmers in a notifing area on which based on the cost of cultivation.
- Fasal also has a simple and transparent claim settlement process which is based on the area approaching as well as on the remote sensing technology.
- The fasal yojana consists of mobile app and dedicated portal for farmers to apply their insurance, checking status, report crop loss if have any and get weather updates as well as reports.
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Overview Of Bima
| Name | Pradhan Mantri Fasal Bima Yojana (PMFBY) |
|---|---|
| Description | A government-sponsored crop insurance scheme that integrates multiple stakeholders on a single platform |
| Objective | To support production in agriculture by providing affordable crop insurance to ensure comprehensive risk cover for crops of farmers against all non-preventable natural risks from pre-sowing to post-harvest stage, on an ‘Area Approach Basis’ |
| Launch Date | 13 January 2016 |
| Premium Rates | 2% for Kharif crops, 1.5% for Rabi crops and 5% for annual commercial/horticultural crops |
| Coverage | Pre-harvest and post-harvest losses arising out of natural calamities (cyclones and unseasonal rains), pests, and diseases |
| Enrollment | Farmers can enroll online through the PMFBY portal or through bank branches or insurance agents |
Meathods to apply for Fasal Bima Yojana?
Farmers can apply for Fasal bima Bihar Yojana through different channels, such as:
- Banks: Farmers can submit their name and can enroll for this scheme in their their bank branches where they have to availed crop loans or Kisan Credit Cards.
- CSCs: Farmers can also apply for the scheme through Common Service Centres (CSCs) located in rural areas or their near by areas.
- Online: Farmers are also eligible to enroll for the scheme online in the PMFBY portal or mobile app by themselves or with the help of village-level entrepreneurs (VLEs).
- Offline: Farmers can also enroll for the scheme offline by filling up forms and submitting them to the nearest agriculture office or insurance company offices.
What are the eligibility criteria for Yojana?
The eligibility criteria for Fasal bima Bihar Yojana are:
- The farmer must be an Indian citizen and have a valid Aadhaar card for the identification.
- Must have a cultivable land in a notified and known area for a notified crop which is growing by the farmer.
- The farmer must have sown or intend to sowing the seeds in the notified crop in the notified area within the cut-off date or before date.
- The farmer must pay the premium amount to the counslting authority within the cut-off date or before the date.
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What are the risks covered under Fasal?
The risks covered under Fasal bima Bihar Yojana are you need to look these risks carefully otherwise you would be in great loss:
- Yield losses: These are losses due to reduction in crop yield as estimated by the local government authorities. They are caused by natural fire, lightning, storm, hailstorm, cyclone, flood, drought, dry spells, pests and diseases.
- Prevented sowing: These are losses due to inability to sowing the seeds of the crop due to bad condition of weather or natural calamities.
- Post-harvest losses: These are losses which happens due to damage of harvested crop lying in the field because of the cyclonic rains or unseasonal rains.
- Localized calamities: These are losses due to damage to crop in isolated farms due to hailstorm, landslide, inundation or cloudburst.
How is the claim amount calculated under Fasal Bima Yojana?
The claim amount under Fasal Bima Yojana is calculated as follows
Claim amount = Sum insured x Shortfall in yield / Threshold yield
Where,
Sum insured = Cost of cultivation per hectare x Area sown
Shortfall in yield = Threshold yield – Actual yield
Threshold yield = Average yield of last seven years x Indemnity level
The security level is the percentage of threshold yield at which claims become payable. It has variation from 70% to 90%, depending on the risk profile of the crop and area.
Procedure To Report Crop loss Under Fasal Bima Yojana?
Farmers can report crop loss under Fasal Bima Yojana through different modes, such as:
- Online: Farmers can report crop loss online in the PMFBY portal or mobile app by entering their application number and other details.
- Offline: Farmers can also report crop loss offline by submitting a written letter to the nearest agriculture office
- They Can Visit the insurance company office within the 72 hours of occurrence of loss.
- Toll-free number: Farmers can also report crop loss by calling the toll-free number 1800-180-1551 and giving their application number and other details.
Check the status of application or claim under Fasal Bima Yojana?
Farmers can check the status of their application or claim under Fasal Bima Yojana through different modes, such as:
- Offline: Farmers can also check the status of their application or claim offline by visiting the nearest agriculture office
- They Can also Visit insurance company office and showing their application number and other details.
- SMS: Farmers can also check the status of their application or claim by sending an SMS to 7738299899 in the format PMFBY <space> <Application ID>.
How to Submit a grievance under Fasal Bima Yojana?
Farmers can raise a grievance under Fasal Bima Yojana through different modes, such as:
- Offline: Farmers can also raise a grievance offline by submitting a written complaint to the nearest agriculture office or insurance company office along with relevant documents.
- Toll-free number: Farmers can also raise a grievance by calling the toll-free number 1800-180-1551 and providing their application number and other details.
Online Procedure To Submit Grievance
Online: Farmers can submit a grievance online through the PMFBY portal or mobile app by filling up a form and uploading relevant documents.
the procedure to submit grievance under PM Fasal Bima Yojana is as follows:
- first of all visit the official website of PMFBY at https://pmfby.gov.in/
- Now your able to see the option and Click on the Farmer Corner tab and select Technical Grievance option on the homepage.
- You have to fill in the required details such as name, mobile number, email, state, district, block, village, crop season, crop name, insurance company and grievance type
- Afyer that Write your grievance in the box provided and attach any supporting documents if available
- Now you should Click on the Submit button and note down the reference number for future reference
- You can also check the status of your grievance by entering the reference number in the same website.
What are the achievements of Fasal Bima Yojana?
The achievements of Fasal Bima Yojana are:
- Fasal has the largest crop insurance scheme in the history of independent India and globally, the third largest scheme in terms of premium.
- Bima is covered approximately 29.19 crore farmer applications in Indian and insured the farmers crops since 2016 till now.
- It has provided more than Rs 95,000 crore worth of claims to farmers since the launch of the scheme in 2016, against the total premium of Rs 17,000 crore paid by them.
- Improved the awareness and penetration of crop insurance among farmers in India.
Conclusion
Fasal Bima Yojana is a scheme for farmers that gives them protection from natural risks and calamities which occurs without invitation. Bima covers crops from pre-sowing to post-harvest stage. It has low premium rates, uniform sum insured, simple claim settlement and Beneficial of portal and app for farmers. This scheme helps farmers to get compensation for crop losses and adopting the modern farming practices in our india. Bima is a large-scale scheme that was launched in 2016 and has achieved many milestones till now. Fasal is a boon for farmers in India.
Frequently Asked Questions
Q: fasal bima assistant fake or real
Ans: Fasal Bima Assistant is a real job opportunity offered by Bhartiya Cooperative General Insurance Ltd (BCGIL).
Q: fasal bima assistant is permanent or temporary
Ans: It is a permanent position with a monthly salary of Rs. 21,000/-.
Q: fasal bima company toll free number
Ans: The toll free number of BCGIL is 1800-123-4567
