About this agriculture scheme
The National Agriculture Insurance Scheme provides financial support to farmers against crop losses due to natural disasters, pests, and diseases. Farmers can apply offline anytime. Eligibility starts at 18 years and goes up to 70 years.
The National Agriculture Insurance Scheme (NAIS) is a government initiative to help farmers. It offers insurance coverage for crops against losses from natural calamities, pests, and diseases.
This scheme is managed by the Ministry of Agriculture and Farmers Welfare. It aims to provide financial stability to farmers and encourages modern agricultural practices.
Farmers can receive support for various crops, including food crops and oilseeds. This scheme is crucial for ensuring farmers’ livelihoods and promoting agricultural productivity.
Benefits at a glance
| Scheme name | National Agriculture Insurance Scheme (NAI) |
|---|---|
| Launched by | Ministry Of Agriculture and Farmers Welfare |
| Department | Department of Agriculture & Farmers Welfare |
| Benefit | The National Agriculture Insurance Scheme provides financial support to farmers against crop losses due to natural... |
| Benefit type | Composite (cash plus goods or services) |
| Category | Agriculture |
| Level / State | Central · All India |
| Official portal | pmfby.gov.in (link at the end of this page) |
Key facts
| Scheme type | Central Sector Scheme |
|---|---|
| Scheme for | Individual |
| Application mode | Offline |
| Last date | Ongoing (no last date notified) |
| DBT (direct bank transfer) | No |
| Age | 18 to 70 years |
Who can apply (quick check)
- 👤All genders
- 🎂Age 18 to 70 years
- 📝Offline
Quick check from official data. Full conditions are in the Eligibility section.
राष्ट्रीय कृषि बीमा योजना किसानों को प्राकृतिक आपदाओं, कीटों और बीमारियों के कारण फसल के नुकसान के खिलाफ वित्तीय सहायता प्रदान करती है। किसान किसी भी समय ऑफलाइन आवेदन कर सकते हैं। पात्रता 18 से 70 वर्ष के बीच है।
The National Agriculture Insurance Scheme provides financial support to farmers against crop losses due to natural...
What you receive
- Comprehensive crop coverage for natural calamities, pests, and diseases.
- Premium for Kharif crops: 3.5% of the sum insured.
- Premium for Rabi crops: 1.5% of the sum insured.
- Subsidized premiums for small and marginal farmers.
Claims are settled quickly and directly transferred to the farmer's bank account after verification of loss.
Who qualifies
- Age between 18 and 70 years.
- Must be a farmer growing insurable crops.
- Loanee farmers are automatically covered if they take loans.
- Non-loanee farmers can apply voluntarily.
Who is not eligible
- No specific exclusions mentioned in the source.
Papers to keep ready
0/4 documents ready
Tap a document to mark it as ready. Progress is saved on this device.
Registration walkthrough
- For Loanee Farmers: Visit the nearest bank or PACS branch. The bank will enroll you automatically.
- For Non-Loanee Farmers: Go to the nearest bank or insurance office.
- Fill out the application form.
- Submit required documents.
- Pay the premium based on the crop and coverage.
To check the application status, contact your local bank or insurance office. You can also call the helpline for assistance.
Real-life examples: are you eligible?
A quick way to gauge your eligibility: find the profile nearest to yours.
Every case differs. Confirm your eligibility on the official portal before applying.
- Not reporting crop loss within 48 hours.
- Incomplete application forms.
- Missing required documents.
- Not paying the premium at the time of application.
- Applying after the crop season deadline.
Frequently asked questions
What is the National Agriculture Insurance Scheme?
It is a government scheme providing financial protection to farmers against crop losses.
Who can apply for this scheme?
All farmers growing insurable crops, including loanee and non-loanee farmers.
How do I apply for the NAIS?
Loanee farmers apply through their bank, while non-loanee farmers must visit a bank or insurance office.
What documents do I need to apply?
You need an Aadhaar card, proof of land ownership, and bank account details.
How are claims processed?
Farmers must report losses within 48 hours, followed by an assessment and verification.
Are there any subsidies on premiums?
Yes, small and marginal farmers receive premium subsidies.
Can I apply if I don't have a loan?
Yes, non-loanee farmers can apply voluntarily.
What happens if I miss the application deadline?
You will not be eligible for coverage for that crop season.
Submit your application yourself on the official portal; it costs nothing. Treat anyone demanding money to "get you approved" as a scam.
- Guidelines pmfby.gov.in (PDF)
tsmpb.in is not affiliated with any government department. Apply only on the official portal and never pay anyone for an application.
First draft prepared with editorial AI tools; every fact verified against the official notification and rewritten by our team.
Explore more
