How to Apply for Crop Insurance in Uttar Pradesh

The Uttar Pradesh government is implementing the central government’s flagship crop insurance scheme, Pradhan Mantri Fasal Bima Yojana (PMFBY). Those who grow notified crops in notified areas, including sharecroppers and tenant farmers, are eligible for coverage under the PMFBY scheme. It aims to cover farmers incurring loss in crop yield during the sowing, harvesting, or post-harvesting period. This scheme also covers localized losses for certain perils with farm-level assessment.

This scheme is implemented in Uttar Pradesh in association with Uttar Pradesh State Government. A minimum subsidized premium (2 % for Kharif and 1.5% for Rabi) is charged from farmers, and the remaining share is equally borne by state and central governments. The scheme is implemented on an “Area-Approach basis.” For Uttar Pradesh, the Insurance unit is considered a Gram Panchayat for both major and minor crops.

How to Apply for Crop Insurance in Uttar Pradesh

Status of Crop Insurance in Uttar Pradesh

Farmers can receive financial assistance if their crops fail because of natural calamities, pests, or diseases under this flagship scheme. Uttar Pradesh had a total cultivable area of 35.5 lakh hectares in 2019-20, and around 47 lakh farmers were insured under PMFBY, according to agriculture department records.

Crops Notified for Insurance Coverage Under PMFBY Scheme in Uttar Pradesh

Allahabad: Pigeon Pea (Red Gram/Arhar/Tur), Bajra, Sorghum (Jowar/Great Millet), Paddy (Dhan)
Amroha: Paddy (Dhan), Bajra, Maize (Makka), Black Gram (Urad)
Azamgarh: Pigeon Pea (Red Gram/Arhar/Tur), Maize (Makka), Paddy (Dhan)
Etawah: Pigeon Pea (Red Gram/Arhar/Tur), Bajra, Maize (Makka), Paddy (Dhan)
Ghazipur: Bajra, Sorghum (Jowar/Great Millet), Paddy (Dhan), Maize (Makka)
Ghaziabad: Pigeon Pea (Red Gram/Arhar/Tur), Paddy (Dhan)
Hardoi: Pigeon Pea (Red Gram/Arhar/Tur), Bajra, Groundnut (Pea Nut), Sorghum (Jowar/Great Millet), Paddy (Dhan), Maize (Makka)
Kanpur Dehat: Pigeon Pea (Red Gram/Arhar/Tur), Bajra, Sorghum (Jowar/Great Millet), Paddy (Dhan), Maize (Makka), Sesame, Black Gram (Urad)
Maharajganj: Groundnut (Pea Nut), Paddy (Dhan),
Mathura: Pigeon Pea (Red Gram/Arhar/Tur), Bajra, Paddy (Dhan)
Moradabad: Bajra, Paddy (Dhan), Black Gram (Urad) Rampur: Bajra, Paddy (Dhan), Black Gram (Urad)
Shahjahanpur: Bajra, Groundnut (Pea Nut), Paddy (Dhan), Maize (Makka), Sesame, Black Gram (Urad)

Application Procedure to Get Crop Insurance Through PMFBY Scheme

Apply In-Person

In Uttar Pradesh, application forms for the crop insurance scheme can be obtained from the agriculture department or Tehsildar office or by visiting https://agriculture.uk.gov.in/.
A crop insurance application form (WBCIS) is obtained from the agriculture department or tehsildar office.
In the application form, the applicant must enter all the necessary information.
The applicant must carry all required documents listed below in the “Required Documents.” section. A copy of each document must be carried along with the original.
The applicant should submit the application form to the office and photocopies of relevant documents (if necessary).
Under the authority’s request, the fee for this procedure must be paid.
Applicants who follow all the above-mentioned procedures will be provided with crop insurance.
A typical processing time for this procedure is 30 to 45 days.
After receiving notification of insurance coverage, the applicant can pick up their insurance at the office.

In case you missed it: How to Apply for Crop Insurance in Bihar

Apply Online

You can apply for a crop insurance scheme online by visiting the website: www.pmfby.gov.in.
The icon for “Farmer Corner” can be found on the homepage.
Please click the “Login for Farmer” button if you are registered and log in with your mobile number. You can also click “Guest Farmer” if you do not have an account yet.
In the “Register for New Farmer User” application form, fill in all the required information.
Once you have completed the CAPTCHA, click the “Create User” button.
Follow the instructions on the page, fill in all the information asked, and click “Next.”
You will be asked to enter your “Bank Details” and click “Next.”
Please complete the “Crop Details” page and upload all required documents.
You can register by clicking “Submit” once you have entered all the information.
Click “Make Payment” to open the payment page, enter your credit card details, and confirm your payment.
The registration will be completed once the payment has been made.
Once you have successfully registered, you will receive an SMS and email with your credentials.
Visit the homepage once you’ve registered.
For login, click the “Farmer Corner” icon and the “Login for Farmer” button.
Please enter your mobile number on the next page and complete the CAPTCHA before clicking “Request or OTP.”
You must apply for the crop insurance scheme after entering the OTP.
A receipt number will be sent to you once your application has been submitted.
You can check your application’s status by visiting the same link.
You can verify your application status by clicking the “Application Status” icon on the homepage.
Then click on the “Check Status” button after entering the “Receipt Number” and the “Captcha Code.”. It will show you the status of your application.

Documents Required for Applying PMFBY Scheme

Application form
ID proof(Aadhaar card)
Annual income certificate
Bank account number
Address proof(Ration card/Rental agreement)
Evidence of land records existing in the state
Land possession certificate(LPC)
Other documents notified
Permit by concerned state Govt.

Premium Needs to be Paid for PMFBY Scheme

For Kharif food and oilseed crops, farmers will pay a maximum premium of 2%, for Rabi food and oilseed crops, 1.5%, and for Annual Commercial/Horticultural crops, 5%. Both the Centre and the State will share the difference between the premium and the insurance charges.

The seasonality discipline will apply to both loanee and non-loanee farmers as defined by the State Government. Before the specified cut-off dates for the respective crop in the season, farmers must enroll.
Insurance coverage shall be provided to all insured farmers in a given Insurance Unit when the Threshold Yield (TY) is reached. A notified crop’s average yield in the Insurance Unit (IU) will be determined based on the best five years of the last seven years. It is calculated by multiplying the average yield by the indemnity level of the notified crop.

Coverage of Risks Under the PMFBY Scheme

Based on the decision taken in the State level coordination committees on crop insurance, this scheme operates in selected Defined Areas called Insurance Units (IU), according to the principle of “Area Approach.” These units are notified as insurance units applicable to villages/village panchayats for major crops. A unit of size bigger than a village or village panchayat may be used for all other crops. The scheme covers risks leading to crop loss at the following crop growth stages.

Prevented sowing or planting risk
Standing crop risk (Sowing/planting to harvest)
Post-harvest losses
Localized calamities

In case you missed it: How to Apply for Crop Insurance in Madhya Pradesh

Conclusion

The state accounted for just over 7 percent of the 6.12 crore farmers insured under the scheme nationwide. The state agriculture department will conduct a campaign in 75 blocks across 75 districts to get more farmers insured. Through a comprehensive state-wide campaign, the UP government aims to enroll as many farmers as possible under the Central crop insurance scheme, Pradhan Mantri Fasal Bima Yojana (PMFBY).

How to Apply for Crop Insurance in Uttar Pradesh