PM - Pik Vima Yojana

Pik Vima Yojana Photo

"The Pradhan Mantri Fasal Bima Yojana (PMFBY) is a crop insurance scheme in India that was launched to provide financial support to farmers in the event of crop failure or damage due to natural calamities, pests, or diseases. The scheme was introduced to ensure the financial stability of farmers and protect them from the uncertainties associated with agricultural activities. Here are key features and information about PMFBY"

Here are key features and information about PMFBY:

1. Objective:

  • The primary objective of PMFBY is to provide affordable crop insurance to farmers and mitigate the financial risks associated with crop failure.

2. Coverage:

  • PMFBY covers all food crops (cereals, millets, and pulses), oilseeds, and annual commercial and horticultural crops for which the premium is shared equally by the central and state governments.

3. Premium Payment:

  • The premium rates for PMFBY are heavily subsidized, and the cost is shared between the central and state governments. The farmers are required to pay a nominal premium amount, which varies based on the type of crop.

4. Eligibility:

  • All farmers, including tenant farmers and sharecroppers, are eligible to enroll in the scheme. The scheme covers both small and large farmers.

5. Risks Covered:

  • PMFBY covers yield losses due to natural calamities such as drought, flood, cyclone, unseasonal rainfall, pests, and diseases.

6. Sum Insured:

  • The sum insured is determined based on the scale of finance, which is the cost of cultivation per hectare. The insured amount is fixed and does not change even if the farmer’s actual costs are higher.

7. Enrollment and Claim Process:

  • Farmers can enroll in PMFBY through their respective banks or Common Service Centres (CSCs). In case of crop loss, farmers need to inform the insurance company within 72 hours of the occurrence of the event. The claim settlement process is designed to be quick and efficient.

8. Implementation:

  • The scheme is implemented by empanelled insurance companies, and the premiums are collected through various channels.

9. Awareness Campaigns:

  • The government conducts awareness campaigns to educate farmers about the benefits of crop insurance and the procedures for enrollment and claims.

 

Some Facts about Pik Vima Yojana:

 

“Pik Vima Yojana” refers to an agricultural insurance scheme in the Indian state of Maharashtra. The scheme is aimed at providing financial protection to farmers in Maharashtra against crop losses due to natural calamities, pests, or diseases. Here are the key details of the scheme:

  1. Objective: The primary objective of Pik Vima Yojana is to provide insurance coverage to farmers in Maharashtra to mitigate the financial risks associated with crop failure. The scheme aims to stabilize farmers’ income and ensure their financial security.

  2. Coverage: The scheme covers various crops grown in Maharashtra, including food crops, oilseeds, and horticultural crops. It provides insurance coverage to farmers against yield losses due to natural calamities such as drought, flood, cyclone, hailstorm, pest attacks, diseases, etc.

  3. Premium Payment: Under the scheme, farmers are required to pay a nominal premium, which is subsidized by the state government to make crop insurance affordable. The premium rates are determined based on factors such as the type of crop, area, and level of coverage opted by the farmer.

  4. Sum Insured and Compensation: The sum insured under Pik Vima Yojana is determined based on the scale of finance fixed by banks for various crops. In case of crop loss or damage, farmers are entitled to receive compensation equivalent to the difference between the threshold yield and actual yield multiplied by the insured area and insured sum.

  5. Implementation: The implementation of Pik Vima Yojana is carried out by the Maharashtra government in collaboration with insurance companies and other stakeholders. Insurance companies are selected through a bidding process to provide insurance coverage to farmers.

  6. Enrollment and Claim Settlement: Farmers can enroll in the scheme through designated channels during the notified enrollment period. In the event of crop loss or damage, farmers need to inform the insurance company or designated authorities within a specified timeframe to initiate the claim settlement process. Claims are settled based on crop cutting experiments (CCE) or other predefined assessment methods.

  7. Awareness and Outreach: The Maharashtra government conducts awareness campaigns and outreach programs to educate farmers about the benefits of Pik Vima Yojana and the enrollment process. Efforts are made to reach out to farmers in remote and vulnerable regions to ensure maximum coverage and participation in the scheme.

  8. Performance Review and Modifications: The performance of Pik Vima Yojana is periodically reviewed, and necessary modifications are made based on feedback and evaluation. The government aims to continuously improve the scheme’s effectiveness and address any challenges faced in its implementation.

Overall, Pik Vima Yojana is a crucial initiative by the Maharashtra government to provide financial protection to farmers against crop losses. By offering affordable crop insurance coverage, the scheme contributes to the welfare and sustainability of agriculture in the state.

What is Pik Vima Yojana?

“Pik Vima Yojana” refers to the Pradhan Mantri Fasal Bima Yojana (PMFBY), which is an insurance scheme for farmers in India. The PMFBY was launched by the Government of India in 2016 with the aim of providing insurance coverage and financial support to farmers in the event of crop loss due to natural calamities, pests, or diseases.

Under the Pradhan Mantri Fasal Bima Yojana (PMFBY), farmers pay a nominal premium, and in return, they receive insurance coverage for their crops. The scheme covers all food crops, oilseeds, and annual commercial/horticultural crops. The insurance premium rates are heavily subsidized by the government, making the scheme affordable for farmers.

Key features of the PMFBY include:

  1. Coverage: The scheme provides comprehensive coverage against various risks such as drought, flood, hailstorm, cyclone, pest infestation, and diseases affecting crops.

  2. Premium Subsidy: The premium rates for the insurance coverage are subsidized by the central and state governments, reducing the financial burden on farmers.

  3. Timely Settlement of Claims: The scheme aims to ensure prompt and hassle-free settlement of insurance claims to provide timely financial assistance to farmers in case of crop loss.

  4. Technology Integration: PMFBY leverages technology such as remote sensing, satellite imagery, and mobile-based applications for accurate assessment of crop loss and efficient claim settlement.

  5. Voluntary Participation: Participation in the PMFBY is voluntary for farmers. However, the scheme has been made more attractive through various incentives and benefits to encourage greater participation.

Overall, the Pradhan Mantri Fasal Bima Yojana (PMFBY) aims to safeguard the interests of farmers by providing them with financial protection against crop losses, thereby promoting agricultural stability and sustainability in India.

What is registration process for Pik Vima Yojana?

The registration process for the Pradhan Mantri Fasal Bima Yojana (PMFBY), commonly known as “Pik Vima Yojana” in some regions, typically involves the following steps:

  1. Contact Insurance Company or Agricultural Department: Farmers interested in enrolling in the PMFBY can visit their nearest insurance company branch or agricultural department office to inquire about the scheme and the registration process.

  2. Obtain Application Form: Farmers need to obtain the application form for PMFBY enrollment. This form can be obtained from the insurance company office or the agricultural department.

  3. Fill in the Application Form: Complete the application form with accurate and relevant details. The form typically requires information such as the farmer’s name, address, Aadhaar number, details of cultivated crops, land area under cultivation, and previous insurance history (if any).

  4. Submit Required Documents: Along with the application form, farmers need to submit certain documents for verification and enrollment. Commonly required documents may include:

    • Aadhaar card
    • Land ownership documents or land records
    • Bank account details
    • Passport-sized photographs
    • Any other documents specified by the insurance company or agricultural department
  5. Pay Premium: Farmers are required to pay the insurance premium for the coverage period. The premium amount is calculated based on factors such as the type of crop, area of cultivation, and extent of insurance coverage. However, a significant portion of the premium is subsidized by the government, making it affordable for farmers.

  6. Receive Insurance Policy: Once the application form is processed and the premium is paid, farmers will receive an insurance policy document confirming their enrollment in the PMFBY. This policy document contains details of the insured crops, coverage period, sum insured, premium amount, terms, and conditions.

  7. Renewal: The enrollment in PMFBY is typically on an annual basis. Therefore, farmers need to renew their insurance coverage for each cropping season by following a similar registration process.

It’s essential for farmers to complete the registration process accurately and within the specified timelines to ensure coverage under the PMFBY and avail the benefits of crop insurance in case of any losses. Additionally, farmers should keep their insurance policy documents safe for future reference.

How to apply for Pik Vima Yojana through CSC?

To apply for Pik Vima Yojana (crop insurance scheme) through Common Service Centers (CSC), you can follow these steps:

  1. Visit the Nearest CSC: Locate your nearest Common Service Center (CSC) by visiting the official CSC Locator website or contacting your local administrative authorities.

  2. Consult CSC Operator: Once you reach the CSC, consult with the CSC operator regarding your intention to apply for Pik Vima Yojana.

  3. Provide Necessary Information: The CSC operator will assist you in filling out the necessary forms and provide guidance on the required documents and information.

  4. Document Submission: Submit the required documents such as Aadhaar card, land ownership documents, bank account details, and any other documents specified for Pik Vima Yojana enrollment.

  5. Pay Premium (if applicable): If there’s a premium associated with the insurance coverage, you may need to pay it at the CSC. The CSC operator will guide you through the payment process.

  6. Application Submission: The CSC operator will submit your completed application along with the necessary documents to the relevant authorities responsible for processing Pik Vima Yojana applications.

  7. Track Application Status: You can inquire about the status of your application at the CSC or through other designated channels provided by the scheme authorities. They can help you track the progress of your application and provide updates on enrollment.

  8. Receive Confirmation: Once your application is processed and approved, you will receive confirmation of your enrollment in Pik Vima Yojana. This confirmation may include details such as the insured crop, coverage period, sum insured, and premium amount (if applicable).

  9. Renewal and Claim Process: Keep in mind that crop insurance enrollment typically needs to be renewed annually. The CSC can assist you with the renewal process as well. In case of crop loss or damage, the CSC can also guide you through the process of filing insurance claims.

It’s important to note that the exact process for applying for Pik Vima Yojana through CSC may vary depending on the specific procedures and guidelines implemented by the respective state government or insurance authorities. Therefore, it’s advisable to follow the instructions provided by the CSC operator and ensure compliance with the requirements of the scheme.

 
 
 
 
Documents required for Pik Vima Yojana?

The documents required for enrolling in the Pradhan Mantri Fasal Bima Yojana (PMFBY), also known as Pik Vima Yojana in some regions, may vary slightly depending on the specific guidelines provided by the insurance company or agricultural department. However, commonly required documents for PMFBY enrollment typically include:

  1. Aadhaar Card: Aadhaar card is often mandatory for identity verification and linking with bank accounts for premium payments and claim settlements.

  2. Land Ownership Documents or Land Records: Documents proving ownership or tenancy of the agricultural land where crops are cultivated. This may include documents such as land records (khatauni), land lease agreements, or any other proof of land possession.

  3. Bank Account Details: Details of the farmer’s bank account, including the account number, IFSC code, and name of the bank and branch. This information is necessary for premium payments and for receiving claim settlements.

  4. Passport-sized Photographs: Recent passport-sized photographs of the farmer may be required for identity verification and enrollment purposes.

  5. Crop Details: Information about the crops being cultivated, including the type of crops, area under cultivation, cropping pattern, and other relevant details.

  6. Previous Insurance History (if applicable): If the farmer has previously enrolled in any crop insurance scheme, documents related to previous insurance coverage and claim settlements may be required for reference.

  7. Other Relevant Documents: Depending on specific requirements or state guidelines, additional documents may be required for enrollment in PMFBY. Farmers should inquire with the insurance company or agricultural department for a comprehensive list of required documents.

It’s essential for farmers to ensure that all the documents provided for PMFBY enrollment are genuine, up-to-date, and comply with the requirements specified by the authorities. Any discrepancies or inaccuracies in the documentation could lead to delays or issues in enrollment or claim settlements under the scheme. Therefore, farmers should carefully follow the instructions provided by the insurance company or agricultural department during the registration process.

Who are eligible for Pik Vima Yojana?

“Pik Vima Yojana” is a term that seems to be specific to certain regions or states in India, and it likely refers to a crop insurance scheme for farmers, similar to the Pradhan Mantri Fasal Bima Yojana (PMFBY) at the national level. However, eligibility criteria and the specific name of the scheme can vary from one state or region to another.

In general, eligibility for crop insurance schemes like Pik Vima Yojana or PMFBY is determined based on factors such as landholding, type of crops cultivated, and participation in agricultural activities. Common eligibility criteria for such schemes typically include:

  1. Ownership/Lease of Cultivated Land: Farmers who own or lease agricultural land are usually eligible for crop insurance. The landholding criteria may vary depending on the specific scheme and state government guidelines.

  2. Types of Crops Covered: The scheme may cover specific crops or a range of crops cultivated by the farmers. Eligibility may vary based on the crops grown by the farmer.

  3. Type of Farmer: Small and marginal farmers, tenant farmers, sharecroppers, and landless agricultural laborers may be eligible for crop insurance schemes, depending on the specific provisions of the scheme and state government guidelines.

  4. Adherence to Guidelines: Farmers must adhere to the guidelines and regulations specified by the scheme, including timely payment of premiums and compliance with agricultural practices recommended for risk mitigation.

  5. Registration and Documentation: Farmers need to register for the scheme and submit relevant documents such as land records, Aadhaar card, and bank account details for enrollment and verification purposes.

  6. Compliance with Crop Insurance Process: Farmers must comply with the procedures related to crop insurance, including timely reporting of crop losses, submission of claims, and verification by authorities.

It’s important for farmers to check with the respective state agricultural departments or insurance agencies to understand the specific eligibility criteria and enrollment process for crop insurance schemes like Pik Vima Yojana. The eligibility criteria and procedures may vary from one state to another, and it’s essential to stay informed about the requirements applicable in your region.

What are the benifits of Pik Vima Yojana?

The benefits of the crop insurance scheme, often referred to as “Pik Vima Yojana” or similar names in different regions, are aimed at providing financial protection and support to farmers in case of crop loss or damage due to various reasons. Here are some common benefits of crop insurance schemes like Pik Vima Yojana:

  1. Risk Mitigation: Crop insurance schemes help farmers mitigate the financial risks associated with crop failure due to natural calamities such as drought, flood, cyclone, hailstorm, pests, diseases, etc. By providing financial compensation for crop losses, these schemes ensure that farmers do not suffer severe economic losses due to unforeseen circumstances.

  2. Financial Security: Farmers who enroll in crop insurance schemes gain financial security and stability. In the event of crop damage or failure, they receive compensation that can help cover the costs of inputs, replanting, and other agricultural expenses, reducing their financial burden during challenging times.

  3. Stimulating Investments: Crop insurance encourages farmers to invest in agricultural inputs, technologies, and practices that can improve crop productivity and resilience. Knowing that they have a safety net in place, farmers may be more willing to adopt modern farming techniques and invest in quality seeds, fertilizers, irrigation, and other resources to enhance yields and mitigate risks.

  4. Access to Credit: Crop insurance coverage can enhance farmers’ access to credit by providing assurance to lenders that their investments are protected against crop losses. With insurance coverage in place, farmers may find it easier to secure loans and credit facilities for agricultural activities, enabling them to expand their farming operations and invest in growth opportunities.

  5. Socio-economic Stability: By safeguarding farmers’ incomes and livelihoods, crop insurance schemes contribute to socio-economic stability in rural areas. Stable agricultural incomes help support rural livelihoods, reduce poverty, and promote overall economic development in farming communities.

  6. Encouraging Crop Diversification: Crop insurance schemes may incentivize farmers to diversify their cropping patterns by providing coverage for a wide range of crops. This diversification can help reduce the risks associated with mono-cropping and enhance resilience to changing climatic conditions and market fluctuations.

Overall, crop insurance schemes like Pik Vima Yojana play a crucial role in safeguarding the interests of farmers, promoting agricultural sustainability, and ensuring food security in the country.

 
 
How to check Pik Vima Yojana status?

To check the status of your crop insurance under the Pradhan Mantri Fasal Bima Yojana (PMFBY), commonly known as “Pik Vima Yojana,” you can follow these steps:

  1. Visit the PMFBY Portal: Go to the official website of the Pradhan Mantri Fasal Bima Yojana (PMFBY) or the website of the respective state’s agricultural department where you applied for crop insurance.

  2. Navigate to the “Farmer’s Corner” or “Beneficiary Corner” Section: Look for a section on the website dedicated to farmers or beneficiaries. This section may be labeled differently on different websites.

  3. Select “Check Application/Claim Status”: Within the Farmer’s Corner section, there should be an option to check the status of your application or claim. Click on this option.

  4. Enter Required Details: You may be asked to provide certain details to retrieve the status of your application or claim. Commonly required details include your Aadhaar number, application/claim number, or other relevant information.

  5. Submit the Details: After entering the required information, submit the details to proceed.

  6. View Status: Once you submit the details, the portal should display the status of your Pik Vima Yojana application or claim. This status may indicate whether your application is under process, approved, rejected, or the status of the claim settlement.

  7. Check Payment Status (if applicable): If you have filed a claim for crop loss, you may also be able to check the payment status through the same portal. This will indicate whether the claim amount has been disbursed to your bank account.

  8. Contact Authorities if Necessary: If you encounter any issues or discrepancies with the status displayed on the portal, such as incorrect information or delays in processing, you may need to contact the authorities or helpline provided on the PMFBY website or by the state’s agricultural department for further assistance.

It’s essential to check the status of your Pik Vima Yojana application or claim regularly to stay informed about its progress and ensure timely resolution of any issues.

 
How to check Pik Vima List?

To check the list of beneficiaries or enrolled farmers under a crop insurance scheme like Pik Vima Yojana, you can follow these general steps:

  1. Visit the Official Website: Go to the official website of the department or agency responsible for administering the crop insurance scheme. This could be the website of the state agricultural department or the insurance company implementing the scheme.

  2. Navigate to the Crop Insurance Section: Look for a section on the website related to crop insurance schemes or Pik Vima Yojana.

  3. Find the Beneficiary List Option: Within the Crop Insurance section, there may be an option specifically labeled “Beneficiary List,” “Enrolled Farmers List,” or something similar. Click on this option.

  4. Select the Scheme: If there are multiple crop insurance schemes offered, select the Pik Vima Yojana or the specific scheme you are interested in.

  5. Choose Your District or Region: You may be prompted to select your district, tehsil, or village from a dropdown menu to narrow down the search.

  6. Search or View the List: Once you have selected the relevant options, the website should display the list of beneficiaries or enrolled farmers under the Pik Vima Yojana for your selected district or region. You can search through the list to find specific names or browse through the entire list.

  7. Check Details: Review the details provided in the beneficiary list, such as the names of farmers, their Aadhaar numbers, the crops covered, and other relevant information.

  8. Download or Print: If needed, you may have the option to download or print the beneficiary list for your records or reference.

  9. Contact Authorities: If you have any questions or need further assistance regarding the beneficiary list or enrollment in Pik Vima Yojana, you can contact the relevant authorities or helpline provided on the website.

It’s important to note that the specific steps and options for checking the Pik Vima Yojana list may vary depending on the website and the administrative setup in your state or region. Therefore, it’s advisable to visit the official website and explore the Crop Insurance section for accurate information and instructions.

 
 
When to apply for Pik Vima Yojana?

The timing for applying for Pik Vima Yojana, or any crop insurance scheme in India, can vary depending on the specific guidelines and timelines set by the respective state government or insurance authorities. However, in general, farmers are encouraged to enroll in crop insurance schemes like Pik Vima Yojana at the beginning of the crop season or before sowing their crops.

Here are some key points to consider regarding the timing of applying for Pik Vima Yojana:

  1. Pre-Season Enrollment: It’s advisable for farmers to enroll in crop insurance schemes well before the start of the cropping season or at the time of sowing. This ensures that their crops are covered from the initial stages of cultivation.

  2. Deadline for Enrollment: There may be specific deadlines or cut-off dates set for enrolling in Pik Vima Yojana or other crop insurance schemes. Farmers should be aware of these deadlines and ensure that they submit their applications within the specified timeframe.

  3. Renewal Period: For farmers who have previously enrolled in Pik Vima Yojana or any other crop insurance scheme, it’s important to renew their enrollment for each cropping season. The renewal period typically coincides with the start of the new crop season.

  4. Continuous Coverage: Continuous coverage under crop insurance schemes ensures that farmers are protected throughout the crop cycle, from sowing to harvest. Therefore, timely enrollment and renewal are crucial for uninterrupted coverage.

  5. Special Enrollment Drives: In some cases, state governments or insurance authorities may conduct special enrollment drives or awareness campaigns to encourage farmers to enroll in crop insurance schemes. Farmers should take advantage of such opportunities to enroll or renew their coverage.

It’s important for farmers to stay informed about the specific enrollment timelines, deadlines, and procedures set by the authorities responsible for implementing Pik Vima Yojana in their respective states or regions. This information can usually be obtained from the official websites of state agricultural departments, insurance companies, or through local agricultural extension offices.

What kinds of Crops coverd under Pik Vima Yojana?

The crops covered under Pik Vima Yojana, or any crop insurance scheme in India, may vary depending on the specific provisions and guidelines set by the state government or insurance authorities. However, in general, crop insurance schemes aim to provide coverage for a wide range of crops to ensure comprehensive protection for farmers against crop losses due to various risks such as natural calamities, pests, diseases, etc.

Common types of crops that are typically covered under crop insurance schemes like Pik Vima Yojana include:

  1. Food Crops: Cereals such as rice, wheat, maize, millets, and sorghum are commonly covered under crop insurance schemes. Other food crops like pulses (e.g., lentils, chickpeas) and oilseeds (e.g., mustard, soybeans) may also be covered.

  2. Commercial Crops: Cash crops such as cotton, sugarcane, jute, tobacco, and spices are often included in crop insurance coverage. These crops have significant economic value and are crucial for farmers’ livelihoods.

  3. Horticultural Crops: Fruits (e.g., mangoes, bananas, citrus fruits), vegetables (e.g., tomatoes, potatoes, onions), and plantation crops (e.g., tea, coffee) may also be covered under certain crop insurance schemes, depending on the region and local agricultural practices.

  4. Specialty Crops: Specialty crops such as floriculture, medicinal plants, aromatic crops, and herbs may be covered under specific crop insurance schemes tailored to meet the needs of farmers cultivating these crops.

  5. Regional and Local Crops: Some crop insurance schemes may offer coverage for region-specific or locally grown crops that are important for the agricultural economy of a particular area. These could include traditional or indigenous crops unique to a region.

It’s important for farmers to check the list of crops covered under Pik Vima Yojana in their respective states or regions. This information can usually be obtained from the official websites of state agricultural departments, insurance companies, or through local agricultural extension offices. Farmers should ensure that the crops they cultivate are eligible for coverage under the scheme and enroll accordingly to protect their agricultural investments and livelihoods.

 
 
How much premium is need to be paid for Pik Vima Yojana?

The premium amount for Pik Vima Yojana, or any crop insurance scheme in India, can vary based on several factors such as the type of crop, coverage level, sum insured, risk profile, and prevailing insurance rates set by the insurance company or government authorities. Additionally, the premium rates may differ from one state to another and may also vary for different crop seasons.

In general, the premium for crop insurance schemes like Pik Vima Yojana is calculated as a percentage of the sum insured, which is the maximum amount payable in case of crop loss or damage. The premium rates are typically subsidized by the government to make crop insurance affordable for farmers.

As of my last update, the government’s share of the premium subsidy under Pradhan Mantri Fasal Bima Yojana (PMFBY), which is a national-level crop insurance scheme similar to Pik Vima Yojana, was as follows:

  1. Premium Subsidy for Farmers: Small and marginal farmers are eligible for a higher level of premium subsidy compared to other categories of farmers. The government typically provides a subsidy of up to 90% of the premium for small and marginal farmers, and up to 75% for other farmers.

  2. Premium Share by Farmers: Farmers are required to pay the remaining percentage of the premium as their share. This farmer’s share of the premium can vary depending on the crop, coverage level, and other factors.

To determine the exact premium amount payable for Pik Vima Yojana or any specific crop insurance scheme, farmers are advised to contact their nearest Common Service Center (CSC), agricultural department office, or insurance company for detailed information on premium rates, eligibility criteria, and the enrollment process. Additionally, premium rates may be published on the official websites of state agricultural departments or insurance companies for reference.

 
 
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