International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

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A Study on Agricultural Insurance in India with Special Reference to Pradhan Mantri Fasal Bima Yojana (PMFBY)

Author(s) Ms. Koushikha Kanagaraj, Dr. D. Elango
Country India
Abstract The Indian agriculture industry is essential as a key source of livelihood and employment for a substantial segment of the people, contributes to national income, and guarantees food security for the country's extensive populace. It provides vital raw materials to numerous agro-based sectors like as textiles and sugar, significantly contributes to foreign exchange revenues via exports, and underpins ancillary services such transportation and banking. Indian agriculture is essential for national food security, rural employment, and the provision of raw materials for industry; nonetheless, it confronts considerable threats from climate change and natural disasters. Agricultural insurance, shown by schemes such as PMFBY, alleviates these risks by offering financial stability, facilitating access to finance, and incentivizing farmers to adopt innovative technologies and methodologies, thereby enhancing production and revenue. Crop insurance is essential for mitigating agricultural risk. Crop insurance, which provides protection against risks such as natural catastrophes, pests, and diseases, is an optimal instrument for mitigating uncertainty. This enables them to concentrate on enhancing their agricultural methods without the persistent anxiety of crop loss.
Keywords Crop Insurance,Farmers enrolled,Government’s premium
Field Sociology > Economics
Published In Volume 7, Issue 5, September-October 2025
Published On 2025-09-13
DOI https://doi.org/10.36948/ijfmr.2025.v07i05.55714
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E-ISSN 2582-2160
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