What happened: PMFBY eligibility and coverage now clearly includes tenant farmers and sharecroppers
PMFBY (Pradhan Mantri Fasal Bima Yojana) provides crop insurance coverage to farmers, including tenant farmers and sharecroppers. PMFBY coverage applies only when farmers meet prescribed eligibility conditions and when insurers and farmers follow the required steps within specified timelines.
Coverage basics: who must have insurable interest and which documents or proofs are used
PMFBY eligibility starts with insurable interest and proof of land or tenancy rights. Farmers must have either valid land documents or valid tenure agreements, or a sowing certificate as per state-specific pre-defined requirements. Farmers must also apply within the specified timeframe.
Who is covered: loanee and non-loanee farmers
PMFBY covers both loanee and non-loanee farmers across the agricultural range (meaning the scheme is not limited only to one credit category). PMFBY distinguishes coverage delivery through premium payment method: automatic bank deduction for loanees versus voluntary enrollment for non-loanees.
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