Birsa Pradhan Mantri Fasal Bima Yojana 2024: An Essential Shield for Jharkhand Farmers

Birsa Pradhan Mantri Fasal Bima Yojana 2024: Agriculture is the lifeblood of Jharkhand’s rural economy, with a majority of the state’s population relying on farming as their primary source of income. However, natural disasters, droughts, floods, pest infestations, and diseases have consistently posed significant challenges to the state’s farmers. These adversities often lead to severe crop losses, putting the livelihoods of farmers at great risk. To address these challenges and provide a safety net for farmers, the Jharkhand government has introduced the ‘Birsa Pradhan Mantri Fasal Bima Yojana 2024’. This scheme offers crop insurance to the state’s farmers for a nominal premium of just 1 rupee. This initiative marks a crucial step in protecting Jharkhand’s farmers, offering them much-needed relief in the event of crop loss.

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The Background of the Birsa Pradhan Mantri Fasal Bima Yojana 2024

The Jharkhand state government launched the Birsa Pradhan Mantri Fasal Bima Yojana 2024 to alleviate the financial hardships that farmers face due to crop losses. Over the past two years, the absence of a crop insurance scheme in the state had left farmers vulnerable to the devastating effects of natural calamities and crop failures. The reintroduction of this scheme is seen as a major relief for farmers. The primary objective of this initiative is to provide financial security to farmers and compensate them in the event of crop loss, enabling them to continue their agricultural activities without fear.

Crops Covered Under the Birsa Pradhan Mantri Fasal Bima Yojana 2024

The Birsa Pradhan Mantri Fasal Bima Yojana 2024 covers the insurance of major crops for both Kharif and Rabi seasons. During the Kharif season, crops like paddy and maize are insured, while in the Rabi season, crops such as gram, wheat, and potatoes are covered. Farmers can avail of this insurance by paying a token premium of just 1 rupee per acre. The insurance amount is set at ₹70,000 per acre for paddy and ₹50,000 per acre for maize.

Key Features of the Birsa Pradhan Mantri Fasal Bima Yojana 2024

Here are the essential details of the Birsa Pradhan Mantri Fasal Bima Yojana 2024:

Scheme Name: Birsa Pradhan Mantri Fasal Bima Yojana 2024
Launched By: Jharkhand State Government
Objective: Protection against crop loss due to natural disasters, pests, and diseases, with compensation to ensure economic security.
Beneficiaries: All farmers of Jharkhand, irrespective of whether they have availed of a KCC (Kisan Credit Card) loan.
Insurance Coverage: Paddy and Maize (Kharif season); Gram, Wheat, and Potato (Rabi season).
Premium Amount: ₹1 per acre.
Insurance Period: Kharif season 2024 and Rabi season 2025-26.
Compensation Amount: ₹70,000 per acre for Paddy, ₹50,000 per acre for Maize.
Application Deadline: August 31, 2024.
Insurance Agencies: Future Generali, HDFC, ICICI Lombard, Bajaj Allianz.
Application Process: Available both online and offline (through Banks, CSCs, Insurance Offices).
Required Documents: Aadhaar Card, Bank Passbook, Land Documents, Tenant Proof, Mobile Number.
Assistance and Contact: District Cooperative Officer or Helpline Number 14447.

The Application Process for the Birsa Pradhan Mantri Fasal Bima Yojana 2024

Applying for the Birsa Pradhan Mantri Fasal Bima Yojana 2024 is straightforward and user-friendly. Farmers in Jharkhand can apply for this scheme using the following methods:

Required Documents

Before applying, farmers need to prepare a few essential documents, including:

Aadhaar Card
A photocopy of the Bank Passbook
Land-related documents
Tenant Certificate
Self-attested Crop Sowing Certificate
Mobile Number

Offline Application Process

Farmers can visit their nearest bank branch, Pragya Kendra (CSC), or authorized insurance office to apply. The entire application process is designed to be simple and hassle-free, ensuring that farmers can apply without any complications.

Online Application Process

For those who prefer to apply online, the process is equally convenient. Farmers can visit the official PMFBY (Pradhan Mantri Fasal Bima Yojana) portal and fill in the required details.

Here’s a step-by-step guide to the online application process:

Document Preparation: Ensure all required documents, such as Aadhaar Card, Bank Passbook, Land Documents, Tenant Certificate, Crop Sowing Certificate, and Mobile Number, are ready.
Visit the PMFBY Portal: Go to the official PMFBY portal and navigate to the “Farmer Corner” section. Click on the “Apply Online” option.
Registration: Enter your Aadhaar number, mobile number, and state details to register. Verify your identity with the OTP sent to your mobile.
Fill Out the Application Form: Provide your personal details, bank information, crop details, and land details in the application form.
Upload Documents: Upload scanned copies of the required documents.
Pay the Premium: Pay the nominal premium of ₹1 online.
Submit the Application: After reviewing all the details, submit the application. You will receive an acknowledgment receipt, which serves as proof of your insurance policy.
Track Application Status: You can track the status of your application through the portal.
Assistance: For any help, contact the helpline number 14447 or reach out to the District Cooperative Officer.

The Importance and Benefits of the Birsa Pradhan Mantri Fasal Bima Yojana 2024

The Birsa Pradhan Mantri Fasal Bima Yojana 2024 holds immense significance for the farmers of Jharkhand. This scheme provides them with much-needed financial security, empowering them to reduce the risks associated with farming. By offering crop insurance, the scheme ensures that farmers are protected against losses due to natural calamities, allowing them to safeguard their families’ financial well-being.

One of the standout features of this scheme is that it benefits all farmers, regardless of whether they have taken a loan under the Kisan Credit Card (KCC) scheme. This is particularly crucial for farmers who have suffered significant losses due to natural disasters in recent years.

The Birsa Pradhan Mantri Fasal Bima Yojana 2024 offers farmers a stable and secure pathway for their future. It helps them mitigate the risks associated with agriculture and provides an opportunity to make their farming practices more secure and profitable.

Features and Compensation Under the Birsa Pradhan Mantri Fasal Bima Yojana 2024

Under the Birsa Pradhan Mantri Fasal Bima Yojana 2024, farmers will receive adequate compensation in the event of crop loss. The compensation is set at ₹70,000 per acre for paddy and ₹50,000 per acre for maize. The state government has designated three major insurance agencies to facilitate crop insurance under this scheme – Future Generali Insurance, HDFC, and ICICI Lombard. This scheme is especially beneficial for farmers who have not availed of loans under the Kisan Credit Card (KCC) scheme, as it is open to all farmers, whether they have taken a loan or not.

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Crops Covered Under the Scheme

The “Birsa Pradhan Mantri Fasal Bima Yojana 2024” covers the following crops:

Kharif Season:

Paddy
Maize

Rabi Season:

Gram
Wheat
Potato

Farmers are required to pay a token premium of just ₹1 to avail of insurance under this scheme. The scheme is applicable for both Kharif and Rabi seasons, aiming to provide financial security to farmers against crop losses due to natural disasters, pests, and diseases.

Application Process and Required Documents

To benefit from the “Birsa Pradhan Mantri Fasal Bima Yojana 2024,” farmers need to follow these simple steps:

Prepare Documents: Gather all the necessary documents, including Aadhaar Card, a photocopy of the Bank Passbook, land-related documents, Tenant Certificate, Crop Sowing Certificate, and Mobile Number.
Choose Application Method: Visit your nearest bank branch, Pragya Kendra (CSC), or authorized insurance office to apply, or opt for the online application process via the PMFBY portal.
Submit Documents: Submit all the required documents along with your application. If applying online, upload scanned copies of the documents.
Pay the Premium: Pay the insurance premium during the application process. Information regarding the insurance amount and premium will be provided at the time of application.
Receive Acknowledgment: After submitting the application and premium, you will receive a receipt that serves as proof of your insurance policy.

Important Dates and Targets for the Scheme

The deadline for securing crop insurance under the Birsa Pradhan Mantri Fasal Bima Yojana 2024 for Kharif crops is August 31, 2024. The Jharkhand state government has set

a target of covering 30 lakh farmers under this scheme, ensuring that a substantial number of farmers can benefit from it. Farmers are urged to apply as soon as possible to take advantage of this scheme and secure their crops against potential losses.

How to Apply for the Scheme

To apply for the Birsa Pradhan Mantri Fasal Bima Yojana 2024, farmers can follow these steps:

Visit the nearest bank branch, Pragya Kendra (CSC), or authorized insurance office to apply for crop insurance.
Prepare and submit the required documents, including Aadhaar Card, a photocopy of the Bank Passbook, land-related documents, Tenant Certificate, Crop Sowing Certificate, and Mobile Number.
Pay the premium amount of ₹1 during the application process.
The government has set a target of covering 30 lakh farmers under this scheme, with the insurance registration process for Kharif season crops set to begin on August 31, 2024.

The Birsa Pradhan Mantri Fasal Bima Yojana 2024 is a vital initiative by the Jharkhand government aimed at safeguarding the financial well-being of farmers. With its affordable premium and comprehensive coverage, this scheme provides a much-needed safety net for farmers, protecting them from the financial hardships caused by crop loss. By ensuring that farmers are compensated in the event of crop failure, the scheme enables them to continue their agricultural activities with confidence. As the application deadline approaches, farmers are encouraged to apply for this scheme to secure their livelihoods and ensure a stable future.