# UP farmers get cover under PM Fasal Bima Yojana 2026-09-25T12:32:24+00:00 | Governance | Indian Opinion Desk Corroboration: 1 independent outlet The Pradhan Mantri Fasal Bima Yojana (PMFBY) provides financial support to Uttar Pradesh farmers when insured crops suffer losses from specified natural risks. The scheme has been implemented across the state's districts since 2016-17. Notified crops are insured against prevented sowing, standing crop losses, localised calamities and post-harvest losses. Farmers pay a prescribed share of the premium, with the remaining portion subsidised by the government. The state government notifies applicable crops and areas for coverage. PMFBY uses digital systems for registration, monitoring, crop-loss assessment and claims processing. Farmers can use the Krishi Rakshak Portal & Helpline and toll-free number 14447 for queries. The scheme employs remote sensing, smartphones, geospatial tools and digital crop-cutting systems to improve yield assessment. It aims to provide a financial safety net, helping farmers manage the economic impact of natural risks and continue agricultural activity after a crop-loss event. ## Indian Opinion Analysis PMFBY replaced the earlier National Agricultural Insurance Scheme in 2016 to address low claim settlement and delayed payments. The scheme's actuarial premium model means farmers pay a capped premium while the government covers the balance, a structure that has led to rising subsidy costs. Uttar Pradesh is among the largest implementing states, and its claim-to-premium ratio will indicate whether the scheme is delivering on its promise. The next kharif season notification by the state government will show which crops and districts are prioritised for coverage. The effectiveness of technology tools such as remote sensing in assessing yield will be tested in the upcoming rabi season, when the first major claims from the 2024-25 cycle are processed. ## Coverage - indiatoday.in Tags: Ministry of Agriculture, Pradhan Mantri Fasal Bima Yojana, Uttar Pradesh Canonical: https://indianopinion.org/up-farmers-get-cover-under-pm-fasal-bima-yojana/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/up-farmers-get-cover-under-pm-fasal-bima-yojana/#story-in-brief