J&K Dept. of Agriculture — PMFBY Cell
Benefit
Crop insurance at just 1.5% premium for Rabi crops and 2% for Kharif crops (rest borne by J&K UT and Central Govt.); full sum insured paid on crop loss due to drought, flood, hailstorm, pest, or disease; sum insured calculated on district-level average yield; J&K UT also provides additional 2% premium subsidy over the central share making it nearly free for small farmers; swift claim settlement via satellite/technology-based yield assessment