Advanced International Journal for Research

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Evaluating the Effectiveness of Pradhan Mantri Fasal Bima Yojana : A seasonal Analysis of Financial Sustainability and Farmer Income Stability

Author(s) Mrs P. Kiruthika, Dr. V. Kasthuri
Country India
Abstract Agricultural is basically vulnerable to a wide range of risk - climatic, biological, financial, technological and social-making it one of the most uncertain sectors. Before the introduction of Crop insurance, farmers drag the full burden of these risks, and a single adverse event could destroy an entire season's productivity threatening both livelihoods and food security. To mitigate such a vulnerabilities, crop insurance was introduced in transfer a portion of these risks to insures thereby providing financial protection and promoting investment in modern farming practices. The Pradhan Mantri Fasal Bima Yojana (PMFBY), launched in 2016 by the government of India, aims to provide comprehensive Crop Insurance coverage to farmers protecting them from financial losses arising from natural clameties, pets and disease. By offering substantial premium subsidies, the scheme particularly benefits small and marginal farmers, enhancing their economic resilience and fostering inclusive agricultural growth. The study evaluate the effectiveness of PMFBY by analysing data from both Kharif and Rabi seasons, directing on the key performance indicators such as net gain or lose, claim settlement ratios and premium rates. The analysis aims to assess the financial Sustainability of the scheme and its impact on farmers income stability. The findings contribute to concerned how crop insurance supports rural livelihoods and reinforces agricultural resilience in India.
Keywords Pradhan Mantri Fasal Bima Yojana, Crop Insurance, Financial stability, Agricultural resilience, Kharif and Rabi season, Agricultural policy.
Published In Volume 6, Issue 5, September-October 2025
Published On 2025-10-24
DOI https://doi.org/10.63363/aijfr.2025.v06i05.1629
Short DOI https://doi.org/g9742h
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