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Setu Kavach

Protect your agricultural investments with these specialized insurance schemes designed for farmers.

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Crop Insurance

👨‍👩‍👧‍👦 Beneficiaries

Farmers engaged in seasonal crop production

💰 Premium Rate

  • kharifCrops: 2%
  • rabiCrops: 1.5%
  • commercialHorticulturalCrops: 5%

✨ Features

  • Coverage against natural calamities, pests, and diseases
  • Encourages farmers to adopt innovative agricultural practices
  • Government provides subsidies on premium rates

📞 Contact Details

Visit nearest Krishi Vigyan Kendra or district agricultural office

Weather Based Crop Insurance Scheme (WBCIS)

Weather-related risks

👨‍👩‍👧‍👦 Beneficiaries

Farmers growing weather-sensitive crops

💰 Premium Rate

  • kharifCrops: 2%
  • rabiCrops: 1.5%
  • commercialHorticulturalCrops: 5%

✨ Features

  • Compensates for adverse weather conditions
  • Scientific assessment of crop loss
  • Premium subsidies provided by the government

📞 Contact Details

Contact your bank or local agricultural office

Restructured Weather-Based Crop Insurance Scheme (RWBCIS)

Weather and yield-based losses

👨‍👩‍👧‍👦 Beneficiaries

Farmers cultivating high-risk crops

💰 Premium Rate

  • kharifCrops: 2%
  • rabiCrops: 1.5%

✨ Features

  • Mitigates financial losses from poor weather conditions
  • Covers sowing, mid-season, and harvest stages
  • Uses technology for fast claim settlement

📞 Contact Details

Visit your bank or local agricultural office for enrollment

National Agricultural Insurance Scheme (NAIS)

Yield-based crop insurance

👨‍👩‍👧‍👦 Beneficiaries

Farmers growing notified crops

💰 Premium Rate

  • foodCrops: Low premium rates
  • horticultureCrops: Higher premium rates

✨ Features

  • Coverage for post-harvest losses
  • Insurance against natural calamities and pests
  • Covers risks from sowing to harvesting

📞 Contact Details

Enroll through authorized banks or cooperative societies

Kisan Credit Card (KCC) - Insurance Add-on

Comprehensive insurance

👨‍👩‍👧‍👦 Beneficiaries

KCC holders

💰 Premium Rate

  • Affordable premiums for KCC holders

✨ Features

  • Coverage for personal accidents, crops, and livestock
  • Streamlined application process
  • Flexible premium payment options

📞 Contact Details

Available at participating banks offering KCCs

Livestock Insurance Scheme

Livestock Insurance

👨‍👩‍👧‍👦 Beneficiaries

Farmers and cattle rearers

💰 Premium Rate

  • 50% subsidy for general farmers, 70% for SC/ST farmers

✨ Features

  • Covers death of animals due to diseases or accidents
  • Cattle, buffaloes, goats, sheep, and other livestock covered
  • Hassle-free claim settlement process

📞 Contact Details

Contact veterinary hospital or agricultural office

Pashudhan Bima Yojana

Livestock Insurance

👨‍👩‍👧‍👦 Beneficiaries

Farmers and animal rearers

💰 Premium Rate

  • Subsidized rates for all beneficiaries

✨ Features

  • Insurance coverage for cattle, goats, sheep, and camels
  • Covers diseases, accidents, and natural calamities
  • Promotes financial stability for livestock rearers

📞 Contact Details

Enroll through animal husbandry department or local cooperative

Prime Minister's Crop Insurance for Organic Farmers

Organic Farming Risks

👨‍👩‍👧‍👦 Beneficiaries

Certified organic farmers

💰 Premium Rate

  • Special rates for organic crops

✨ Features

  • Coverage for natural disasters, pest outbreaks, and weather risks
  • Encourages adoption of organic farming methods
  • Government subsidies for organic farmers

📞 Contact Details

Contact your district agricultural officer

Farm Machinery Insurance

Machinery Damage

👨‍👩‍👧‍👦 Beneficiaries

Farmers using machinery

💰 Premium Rate

  • Affordable rates with government subsidies

✨ Features

  • Covers accidental damage and breakdown
  • Includes tractors, harvesters, and irrigation equipment
  • Protects investment in modern farming techniques

📞 Contact Details

Contact agricultural equipment dealers or insurance companies

Horticulture Crop Insurance Scheme

Horticulture Crop Insurance

👨‍👩‍👧‍👦 Beneficiaries

Horticulture farmers

💰 Premium Rate

  • Subsidized premium for horticulture crops

✨ Features

  • Coverage for fruit, vegetable, and flower crops
  • Protection against climate risks and pest attacks
  • Encourages diversification into high-value crops

📞 Contact Details

Visit nearest Krishi Bhavan or horticulture department