Insurance

General Pradhan Mantri Fasal Bima Yojana

General’s crop-insurance distribution under the government’s Pradhan Mantri Fasal Bima Yojana, subject to notified-season rules.

Policy typeGovernment crop insurance under Pradhan Mantri Fasal Bima Yojana EligibilityFarmers, notified crops and notified areas under the applicable season and government scheme rules InsurerSBI General Insurance Company Limited

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✓ Manually checked 23 Aug 2026 · active

Offered byState Bank of India

Notified crops and areas under current government scheme rules

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeGovernment crop insurance under Pradhan Mantri Fasal Bima YojanaView source

General lists in its current product catalogue under Other Insurance.

Source: General product catalogue
Page / section: Other Insurance
Accessed: 23 Aug 2026
Confidence: high

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EligibilityFarmers, notified crops and notified areas under the applicable season and government scheme rulesView source

The catalogue identifies as a scheme product; current state, crop, season and enrolment rules control eligibility.

Source: General product catalogue
Page / section
Accessed: 23 Aug 2026
Confidence: high

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InsurerSBI General Insurance Company LimitedView source

General's official catalogue groups these products under Health, Motor and Other Insurance and identifies General as the insurer.

Source: General products
Page / section: General Products catalogue
Accessed: 23 Aug 2026
Confidence: high

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Key coverageCrop-risk cover under PMFBYView source

The manually reviewed product benefits state: “Crop-risk cover under ”.

Source: General Pradhan Mantri Fasal Bima Yojana — official product page
Page / section: Published coverage and benefits
Accessed: 23 Aug 2026
Confidence: high

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Sum insured / coverSum insured per hectare equals the Scale of Finance set by the District Level Technical Committee and notified by the State; an individual farmer's cover is that scale multiplied by the notified crop area in hectares. Irrigated and un-irrigated areas may have separate scales.View source

The states that sum insured per hectare equals the Scale of Finance decided by the District Level Technical Committee and that an individual farmer's sum insured is the notified scale per hectare multiplied by the area of the notified crop.

Source: General — official and scheme details
Page / section: What is the sum insured / limit of coverage under the Scheme?
Accessed: 28 Aug 2026
Confidence: high

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Farmer premium rateMaximum farmer-paid premium is 2% of sum insured for Kharif food grains and oilseeds, 1.5% for Rabi food grains and oilseeds, and 5% for annual commercial/annual horticultural crops (including perennial horticultural crops on a pilot basis). The applicable amount depends on the notified crop, season and area.View source

The official table lists the maximum farmer-paid rates as 2% for Kharif food grains/oilseeds, 1.5% for Rabi food grains/oilseeds and 5% for annual commercial/annual horticultural crops.

Source: General — official and scheme details
Page / section: How is the premium calculated under this scheme?
Accessed: 28 Aug 2026
Confidence: high

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Season and cover periodCover follows the notified crop season from sowing/planting through harvest. For eligible crops left to dry in the field after harvest, post-harvest cover runs for up to 14 days against the specified perils; enrolment and premium payment must meet the State-notified cut-off date.View source

The describes standing-crop cover from sowing to harvesting, post-harvest cover up to two weeks (14 days) for eligible crops and State-notified enrolment cut-off dates.

Source: General — official and scheme details
Page / section: Risks covered under and different stages of crops; Post harvest losses; enrolment cut-off dates
Accessed: 28 Aug 2026
Confidence: high

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Published exclusionsWar and kindred perils, nuclear risks, riots, malicious damage, theft, acts of enmity, and crops grazed or destroyed by domestic or wild animals are excluded. For post-harvest losses, bundled/heaped harvested crop before threshing and other preventable risks are excluded.View source

The official exclusions section lists war/nuclear/riot/malicious-damage/theft/acts-of-enmity and animal damage; it separately excludes bundled or heaped post-harvest crop before threshing and other preventable risks.

Source: General — official and scheme details
Page / section: What are the exclusions under the scheme?
Accessed: 28 Aug 2026
Confidence: high

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Geographic limitsCrop-risk cover under PMFBYView source

The manually reviewed product record states: “Crop-risk cover under ”.

Source: General Pradhan Mantri Fasal Bima Yojana — official product page
Page / section: Published product metadata
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Crop-risk cover under

Eligibility

Notified crop, area and season rules apply

Passing a listed condition does not mean the bank will approve an application.

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Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Yearly household income to replaceThe income your family may need to replace.₹ten lakh rupees₹1,00,000₹1,00,00,000Years of income neededHow long your family may need that replacement income. years1 years30 yearsLoans still to be paidHome loans and other debts the cover may need to clear.₹twenty lakh rupees₹0₹5,00,00,000Cover and savings already availableExisting life cover and money already set aside for the family.₹five lakh rupees₹0₹5,00,00,000

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees

Income your family may need₹1,00,00,000one crore rupees

Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Item

Farmer premium cap · Published termKharif food grains/oilseeds: 2% of sum insured; Rabi food grains/oilseeds: 1.5%; annual commercial/annual horticultural crops: 5%

This value is copied from — premium, cover period and exclusions. Check the table notes before relying on it.

Source: General — official and scheme details · Premium calculation; Sum insured; Risks covered; Exclusions; Enrolment cut-off dates Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 8 rows · 2 columnsPMFBY — premium, cover period and exclusionsKey terms transcribed from SBI General's current PMFBY FAQ. State notifications determine the crop, area, season, scale of finance and cut-off date for each enrolment.View tableHide table

Scroll sideways to view every column

PMFBY — premium, cover period and exclusions
Item	Published term
Farmer premium cap	Kharif food grains/oilseeds: 2% of sum insured; Rabi food grains/oilseeds: 1.5%; annual commercial/annual horticultural crops: 5%
Sum insured	Notified Scale of Finance per hectare × area of notified crop; irrigated and un-irrigated scales may differ
Cover stages	Standing crop: sowing/planting to harvest; eligible post-harvest drying: up to 14 days
Prevented sowing payout	Up to 25% of sum insured where the notified-area trigger and other scheme conditions are met; cover terminates after payout
Indemnity levels	70% high risk, 80% moderate risk or 90% low risk, as approved for the notified crop and area
Exclusions	War/kindred perils, nuclear risks, riots, malicious damage, theft, acts of enmity, animal grazing/destruction; bundled or heaped post-harvest crop before threshing and other preventable risks
Enrolment	Premium and proposal must meet the State-notified cut-off date; lists 31 July for Kharif and 31 December for Rabi banker collection
Post-harvest claim notice	Intimation within 72 hours of damage for the specified post-harvest perils

The applicable amount is not a universal rupee premium: it is calculated from the notified sum insured, crop, season and area.
Coverage and cut-off dates can change through State/UT notifications.

General — official and scheme details · Premium calculation; Sum insured; Risks covered; Exclusions; Enrolment cut-off dates · accessed 28 Aug 2026Open official source ↗

General Pradhan Mantri Fasal Bima Yojana

What the official sources publish

Benefits and features

Eligibility

Related official documents

Try the numbers

Life-cover needs estimate

Find the exact published value

Complete rates, limits and schedules

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What the official sources publish

Benefits and features

Eligibility

Related official documents

Try the numbers

Life-cover needs estimate

Find the exact published value

Complete rates, limits and schedules

Related products

SBI General Arogya Top-Up Policy

SBI General Bharat Griha Raksha

SBI General Car Insurance

SBI General Cyber VaultEdge

General Pradhan Mantri Fasal Bima Yojana