How to Apply for Crop Insurance in Bihar

Many times, farmers have to bear losses due to natural calamities. This causes a financial crisis for the state’s farmers. As a result, they are unable to do farming properly. The Government of Bihar launched Bihar State Crop Assistance Scheme to address this issue. The Bihar government has launched a unique scheme to protect farmers from natural calamities. Fixed compensation is provided to farmers under the Bihar State Crop Assistance Scheme.

It aims to provide farmers with enough money for the next crop cycle in case their current crop is affected by a natural disaster. Furthermore, it will ensure the continuity of farmers’ incomes. This state government’s new scheme will cover landowners and landless farmers. Online registration will be required for farmers. The amount will be transferred to farmers’ accounts through net banking through district cooperative banks. No premium payment is required for this scheme, and government support is assured.

How to Apply for Crop Insurance in Bihar

Why is the Bihar Government Replacing PMFBY?

Several states have complained that insurance companies pay a small portion of their gross premiums (GP) compared to the claims they receive. Farmers’ contributions to GP are very small – states and the Centre spend substantial amounts on premium subsidies. That has implications for government finances. The state government of Bihar decided to run the Bihar Rajya Fasal Sahayata Yojana (BRFSY) from Kharif 2018-19.

For 2016-17, Bihar paid a GP of Rs 1461.1 crore, and farmers received claims of Rs 347.6 crore under PMFBY. A GP of Rs 1,027.3 crore was recorded in 2017-18, while a claim of Rs 401.5 crore was made. Farmers paid a premium subsidy of Rs 177 crore, while the state and the Centre paid Rs 424.7 crore each.

Bihar Rajya Fasal Sahayata Features

The Bihar Rajya Fasal Sahayata Yojana is only intended for the state’s agricultural community.
Farmers in this program do not have to pay premiums because it is intended to be an aid rather than an insurance program.
In the case of farmers who produce less than 20% of the threshold level, they will earn Rs 7,500 per hectare, up to a maximum of two hectares.
If a farmer’s production loss reaches 20%, he will get an incentive of Rs. 10,000 per acre, up to a maximum of two hectares.
The program is open to farmers who have obtained loans from cooperative and nationalized banks, and it does not limit borrowers from other institutions.
Using a 70 percent indemnity level, the threshold production would be calculated by multiplying the average production of the last seven years. From the upcoming Kharif season itself, the sowing for which will begin soon, this scheme will take effect.
The government will implement this program during the Kharif season, from July to October.

Bihar Rajya Fasal Sahayata Eligibility

The applicant for the benefit must reside in Bihar on a long-term basis.
Only farmers whose applications are rejected due to weather or other natural disasters are eligible for this program.
Land ownership certificate for ryot cultivators Self-declaration certificate
Self-declaration certificate for farmers who do not cultivate any crops

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Documents of Bihar State Crop Assistance Scheme Bihar Rajya Fasal Sahayata

Aadhar card
Identity card
Bank passbook
Farmland papers
Mobile number
Passport size photo

How to Apply for Bihar State Crop Assistance Scheme

Beneficiaries who want to apply online under Bihar Fasal Bima Yojana, those beneficiaries can apply in the way given below and can take advantage of this scheme.

The applicant must first visit the official website of the Bihar State Crop Assistance Scheme.
Afterward, you will see a registration option, which you need to click. A new page will appear after clicking the option.
Once you open a new page on the computer screen, you will see whether you have an Aadhaar. Select yes if you have an Aadhaar number.
The next page will open after clicking the yes option on the Aadhaar card. Your Aadhaar number will be requested on that page.
Your Aadhaar number must be entered along with your name. On the registered mobile number on your Aadhaar card, you will receive a password (OTP).
After that, the applicant must login with their mobile number and password.
Afterward, you will be taken to the dashboard. The applicant will have to register himself there. Then, the documents must be uploaded.
Once that is done, confirm it. Applicants can then apply for this scheme this way.

Bihar Fasal Bima Yojana Process to See the List of Eligible Gram Panchayat

The first step you need to do is to visit the Bihar State Crop Assistance Scheme website.
You will now be taken to the home page.
Click the link for the List of Eligible Gram Panchayats on the home page.
The next step is to select the year, district name, and block name on a new page.
The next step is to click on View.
Your computer screen will display the list of eligible Gram Panchayats.

Bihar Rajya Fasal Sahayata Compensation

Wheat and maize have been elevated to panchayat status in 38 of the state’s districts. Moreover, district-level notifications have been issued for gram, lentils, tur, rye, mustard, cane, onion, and potato.
There will be compensation for 17 districts of the state if there is a loss of gram crop. Thirty-five districts will be compensated if lentil crops are lost.
Twenty-two districts will compensate for pigeon pea crop losses, 16 districts will compensate for sugarcane crop losses, all districts will compensate for mustard crop losses, 14 districts will compensate for onion crop losses, and 15 districts will compensate for potato crop losses.
Under the Bihar State Crop Assistance Scheme, compensation is paid if the loss is less than 20%. Each farmer is allowed to participate in this program for a maximum of 2 hectares. Compensation is given at the rate of Rs 10,000 per hectare if the loss exceeds 20%.

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Conclusion

The Bihar Fasal Bima Yojana will assist farmers suffering losses from Rabi crops. Those farmers who suffered crop losses in 2020-21 will receive compensation from the Cooperative Department of the Government of Bihar. Farmers eligible for ryot or not can now participate in the scheme. The government has provided the state’s farmers Rs 218 crore 40 lakhs under this program.

How to Apply for Crop Insurance in Bihar