{"id":42130,"date":"2025-11-20T17:59:04","date_gmt":"2025-11-20T12:29:04","guid":{"rendered":"https:\/\/edunovations.com\/currentaffairs\/?p=42130"},"modified":"2025-11-20T17:59:06","modified_gmt":"2025-11-20T12:29:06","slug":"pmfby-wild-animal-coverage","status":"publish","type":"post","link":"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/","title":{"rendered":"PMFBY Wild Animal Coverage: PM Fasal Bima Yojana Adds Inundation &#038; Wildlife Loss Insurance"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#PMFBY_wild_animal_coverage_introduced_as_PM_Fasal_Bima_Yojana_expands_to_include_crop_loss_from_wildlife_attacks_and_paddy_inundation_starting_Kharif_2026_providing_major_relief_to_farmers\" >PMFBY wild animal coverage introduced as PM Fasal Bima Yojana expands to include crop loss from wildlife attacks and paddy inundation starting Kharif 2026, providing major relief to farmers.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#PM_Fasal_Bima_Yojana_Expands_to_Cover_Wild-Animal_Attacks_Paddy_Inundation\" >PM Fasal Bima Yojana Expands to Cover Wild-Animal Attacks &amp; Paddy Inundation<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#What_Has_Changed_in_PMFBY\" >What Has Changed in PMFBY?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#Wild-Animal_Attacks_to_Be_Insured\" >Wild-Animal Attacks to Be Insured<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#Paddy_Inundation_Cover_Reintroduced\" >Paddy Inundation Cover Reintroduced<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#How_the_PMFBY_Scheme_Works\" >How the PMFBY Scheme Works<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#Understanding_the_Localized_Risk_Category\" >Understanding the Localized Risk Category<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#Benefit_to_Farmers\" >Benefit to Farmers<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#Why_This_News_Is_Important\" >Why This News Is Important<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#For_Farmers_Financial_Security\" >For Farmers\u2019 Financial Security<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#For_Regional_Equity\" >For Regional Equity<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#For_Risk_Management_Insurance_Penetration\" >For Risk Management &amp; Insurance Penetration<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#For_Policy_Exam-Relevant_Topics\" >For Policy &amp; Exam-Relevant Topics<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#Historical_Context\" >Historical Context<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#Origins_of_PMFBY\" >Origins of PMFBY<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#Earlier_Framework_Challenges\" >Earlier Framework &amp; Challenges<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#Removal_Reintroduction_of_Inundation_Cover\" >Removal &amp; Reintroduction of Inundation Cover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#Institutional_Strengthening\" >Institutional Strengthening<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#Key_Takeaways_from_This_News\" >Key Takeaways from This News<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#FAQs_Frequently_Asked_Questions\" >FAQs: Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#1_What_new_risks_have_been_added_under_PM_Fasal_Bima_Yojana_PMFBY\" >1. What new risks have been added under PM Fasal Bima Yojana (PMFBY)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#2_Which_wild_animals_are_included_under_the_new_coverage\" >2. Which wild animals are included under the new coverage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#3_Under_which_category_has_wildlife_attack_coverage_been_added\" >3. Under which category has wildlife attack coverage been added?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#4_When_must_farmers_report_crop_loss_due_to_these_events\" >4. When must farmers report crop loss due to these events?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#5_What_is_the_significance_of_reintroducing_paddy_inundation_cover\" >5. What is the significance of reintroducing paddy inundation cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#6_What_are_the_fixed_premium_rates_under_PMFBY\" >6. What are the fixed premium rates under PMFBY?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#7_Who_can_enroll_under_PMFBY\" >7. Who can enroll under PMFBY?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#8_Why_was_inundation_cover_removed_earlier\" >8. Why was inundation cover removed earlier?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#9_What_technology_supports_PMFBYs_claim_process\" >9. What technology supports PMFBY\u2019s claim process?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#10_Is_PMFBY_mandatory_for_farmers\" >10. Is PMFBY mandatory for farmers?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/edunovations.com\/currentaffairs\/agriculture\/pmfby-wild-animal-coverage\/#Some_Important_Current_Affairs_Links\" >Some Important Current Affairs Links<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"PMFBY_wild_animal_coverage_introduced_as_PM_Fasal_Bima_Yojana_expands_to_include_crop_loss_from_wildlife_attacks_and_paddy_inundation_starting_Kharif_2026_providing_major_relief_to_farmers\"><\/span><strong>PMFBY wild animal coverage introduced as PM Fasal Bima Yojana expands to include crop loss from wildlife attacks and paddy inundation starting Kharif 2026, providing major relief to farmers.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"PM_Fasal_Bima_Yojana_Expands_to_Cover_Wild-Animal_Attacks_Paddy_Inundation\"><\/span>PM Fasal Bima Yojana Expands to Cover Wild-Animal Attacks &amp; Paddy Inundation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Has_Changed_in_PMFBY\"><\/span>What Has Changed in PMFBY?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The <strong>Pradhan Mantri Fasal Bima Yojana (PMFBY)<\/strong> has been significantly enhanced to include <strong>crop losses caused by wild-animal attacks<\/strong> and <strong>inundation (waterlogging) of paddy fields<\/strong>, beginning from the <strong>Kharif 2026<\/strong> season. <\/p>\n\n\n\n<p>This move by the Union Ministry of Agriculture and Farmers\u2019 Welfare addresses years of demands from farmers\u2014especially those in forest-adjacent and flood-prone regions\u2014who previously lacked insurance cover for such localized risks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Wild-Animal_Attacks_to_Be_Insured\"><\/span>Wild-Animal Attacks to Be Insured<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Under the revised framework, crop damage from wildlife attacks \u2014 including giants like <strong>elephants<\/strong>, as well as <strong>wild boars, nilgai, deer, and monkeys<\/strong> \u2014 will now be officially recognized as an <strong>insurable event<\/strong>. <\/p>\n\n\n\n<p>This risk is being added as the <strong>fifth \u201cadd-on\u201d cover<\/strong> under PMFBY\u2019s <strong>Localized Risk<\/strong> category. Farmers in hilly terrains, forest fringes, and wildlife corridors \u2014 who have often suffered crop damage due to animal intrusion \u2014 will particularly benefit.<\/p>\n\n\n\n<p>The Ministry has asked states to <strong>notify which wild animals<\/strong> are responsible for crop damage, and to <strong>map vulnerable districts or insurance units<\/strong>, based on historical data.Additionally, farmers will have to <strong>report such losses within 72 hours<\/strong> using a <strong>Crop Insurance App<\/strong>, submitting <strong>geo-tagged photographs<\/strong> of the damage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Paddy_Inundation_Cover_Reintroduced\"><\/span>Paddy Inundation Cover Reintroduced<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Alongside wildlife risk, PMFBY will <strong>re-introduce paddy inundation<\/strong> (submergence due to waterlogging or flooding) under the <strong>Localised Calamity<\/strong> section.  This is a major relief for paddy farmers in <strong>coastal or flood-prone states<\/strong>, including <strong>Tamil Nadu, Andhra Pradesh, Assam, West Bengal<\/strong>, and others. <\/p>\n\n\n\n<p>Flooding or waterlogging of paddy fields can happen during heavy rain, cyclonic storms, or due to poor drainage, and now these losses will be eligible for insurance compensation<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_the_PMFBY_Scheme_Works\"><\/span>How the PMFBY Scheme Works<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Launched in <strong>2016<\/strong>, PMFBY is a <strong>centrally sponsored crop insurance scheme<\/strong>.<\/li>\n\n\n\n<li>It protects farmers from losses from <strong>natural disasters<\/strong>, <strong>pests<\/strong>, and <strong>diseases<\/strong>, and is available to <strong>both loanee and non-loanee farmers<\/strong>. <\/li>\n\n\n\n<li><strong>Premium rates<\/strong> under the scheme are fixed:\n<ul class=\"wp-block-list\">\n<li>Kharif crops: <strong>2%<\/strong> of the sum insured<\/li>\n\n\n\n<li>Rabi crops: <strong>1.5%<\/strong><\/li>\n\n\n\n<li>Horticultural\/cash crops: <strong>5%<\/strong><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Any amount beyond these fixed percentages is subsidized equally by the <strong>Centre and State Governments<\/strong>. Insurance companies are selected via an annual bidding process. <\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Understanding_the_Localized_Risk_Category\"><\/span>Understanding the Localized Risk Category<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The <strong>Localized Risk<\/strong> cover in PMFBY is designed for <strong>small-area, isolated events<\/strong> \u2014 for example: landslides, hailstorms, flash floods, and now wildlife attacks and inundation. <\/p>\n\n\n\n<p>Because damage may happen only in specific villages (and not across a whole district), this category allows <strong>faster assessment and quicker claim settlement<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Benefit_to_Farmers\"><\/span>Benefit to Farmers<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Farmers living near forests or in areas of human-animal conflict will get <strong>compensation for wildlife-related crop damage<\/strong> \u2014 a risk that was previously uninsurable<\/li>\n\n\n\n<li>Paddy farmers in flood-prone states will now have cover for <strong>waterlogging or submergence<\/strong>, offering them much-needed financial protection. <\/li>\n\n\n\n<li>This revision makes PMFBY more <strong>comprehensive and regionally sensitive<\/strong>, thus encouraging farmers to invest more confidently in their crops. <\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\" id=\"PMFBY-wild-animal-coverage\"><img decoding=\"async\" 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\" alt=\"PMFBY wild animal coverage\" title=\"PMFBY wild animal coverage\"\/><figcaption class=\"wp-element-caption\">PMFBY wild animal coverage<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_This_News_Is_Important\"><\/span>Why This News Is Important<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"For_Farmers_Financial_Security\"><\/span>For Farmers\u2019 Financial Security<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This policy change significantly strengthens the financial safety net for farmers. By recognizing <strong>wild-animal attacks<\/strong> and <strong>paddy inundation<\/strong> as insurable risks, the government is addressing previously uninsured, highly localized threats. This helps farmers recover from losses in situations that were earlier neglected.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"For_Regional_Equity\"><\/span>For Regional Equity<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The expansion benefits <strong>states vulnerable to wildlife damage or flooding<\/strong>, such as forested and coastal regions. These areas have historically lacked adequate coverage under PMFBY, and this revision addresses a major gap in agricultural risk protection.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"For_Risk_Management_Insurance_Penetration\"><\/span>For Risk Management &amp; Insurance Penetration<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Including new risk covers underscores the flexibility and responsiveness of PMFBY. It signals that the scheme is evolving based on <strong>real-world farmer needs<\/strong>, thereby boosting trust. More farmers may be encouraged to enroll, improving <strong>insurance penetration<\/strong> and <strong>agricultural resilience<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"For_Policy_Exam-Relevant_Topics\"><\/span>For Policy &amp; Exam-Relevant Topics<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>This change is a <strong>recent government policy update<\/strong>, highly relevant for current-affairs sections in exams (e.g., UPSC, state PSCs, banking).<\/li>\n\n\n\n<li>It touches on themes like <strong>agriculture risk management<\/strong>, <strong>government welfare schemes<\/strong>, <strong>insurance &amp; financial inclusion<\/strong>, and <strong>climate vulnerability<\/strong>, all of which are commonly tested.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Historical_Context\"><\/span>Historical Context<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Origins_of_PMFBY\"><\/span>Origins of PMFBY<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The <strong>Pradhan Mantri Fasal Bima Yojana<\/strong> was launched in <strong>2016<\/strong> to provide affordable crop insurance to farmers, protecting them from financial losses arising from <strong>natural calamities, pests, and diseases<\/strong>. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Earlier_Framework_Challenges\"><\/span>Earlier Framework &amp; Challenges<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>PMFBY initially covered a number of standard risks but left out some <strong>localized risks<\/strong>, such as certain wildlife attacks and inundation. Over time, <strong>farmers from forested and flood-prone regions<\/strong> repeatedly raised concerns about lack of coverage for such events.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Removal_Reintroduction_of_Inundation_Cover\"><\/span>Removal &amp; Reintroduction of Inundation Cover<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Importantly, <strong>paddy inundation was part of the scheme earlier<\/strong>, but was removed in <strong>2018<\/strong> due to concerns like <strong>moral hazard<\/strong> and difficulties in assessing damage. With the new amendment, this risk is being <strong>reintroduced<\/strong>, reflecting a policy recalibration to better protect vulnerable farmers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Institutional_Strengthening\"><\/span>Institutional Strengthening<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In recent years, to improve efficiency and transparency in PMFBY, the government approved a <strong>Fund for Innovation and Technology (FIAT)<\/strong> with a corpus of <strong>\u20b9824.77 crore<\/strong>, to support technological tools such as remote-sensing yield estimation (YES-TECH) and weather-data systems (WINDS). <\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Takeaways_from_This_News\"><\/span>Key Takeaways from This News<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>S. No.<\/strong><\/th><th><strong>Key Takeaway<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>1.<\/strong><\/td><td>PMFBY will, from Kharif 2026, cover crop losses due to <strong>wild-animal attacks<\/strong>, including elephants, wild boars, nilgai, deer, and monkeys.<\/td><\/tr><tr><td><strong>2.<\/strong><\/td><td>The scheme also reinstates insurance cover for <strong>paddy inundation<\/strong> (waterlogging\/flooding) under the Localised Calamity category. <\/td><\/tr><tr><td><strong>3.<\/strong><\/td><td>Wild-animal attacks are being added as the <strong>fifth \u201cadd-on\u201d cover<\/strong> under the <strong>Localized Risk<\/strong> segment of PMFBY. <\/td><\/tr><tr><td><strong>4.<\/strong><\/td><td>Farmers must <strong>report losses within 72 hours<\/strong> via a Crop Insurance App, submitting <strong>geo-tagged photos<\/strong> for verification. <\/td><\/tr><tr><td><strong>5.<\/strong><\/td><td>This policy change addresses longstanding demands from <strong>forest-adjacent and flood-prone regions<\/strong>, offering more inclusive agricultural risk protection.<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">PMFBY wild animal coverage<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs_Frequently_Asked_Questions\"><\/span><strong>FAQs: Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_What_new_risks_have_been_added_under_PM_Fasal_Bima_Yojana_PMFBY\"><\/span><strong>1. What new risks have been added under PM Fasal Bima Yojana (PMFBY)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>From the Kharif 2026 season, PMFBY will cover <strong>crop loss due to wild-animal attacks<\/strong> and <strong>paddy field inundation<\/strong> (waterlogging\/submergence).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Which_wild_animals_are_included_under_the_new_coverage\"><\/span><strong>2. Which wild animals are included under the new coverage?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Coverage includes elephants, wild boars, nilgai, deer, monkeys, and other wildlife notified by state governments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Under_which_category_has_wildlife_attack_coverage_been_added\"><\/span><strong>3. Under which category has wildlife attack coverage been added?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It has been added as the <strong>fifth add-on cover<\/strong> under the <strong>Localized Risk<\/strong> category of PMFBY.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_When_must_farmers_report_crop_loss_due_to_these_events\"><\/span><strong>4. When must farmers report crop loss due to these events?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Farmers must report crop loss <strong>within 72 hours<\/strong> on the <strong>Crop Insurance App<\/strong> along with geo-tagged photos.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_What_is_the_significance_of_reintroducing_paddy_inundation_cover\"><\/span><strong>5. What is the significance of reintroducing paddy inundation cover?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Many flood-prone states like West Bengal, Assam, Tamil Nadu, and Odisha frequently face waterlogging, making the coverage crucial for financial protection of paddy farmers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_What_are_the_fixed_premium_rates_under_PMFBY\"><\/span><strong>6. What are the fixed premium rates under PMFBY?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kharif crops:<\/strong> 2%<\/li>\n\n\n\n<li><strong>Rabi crops:<\/strong> 1.5%<\/li>\n\n\n\n<li><strong>Commercial &amp; horticulture crops:<\/strong> 5%<br>Any remaining premium is shared by the Centre and the State.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Who_can_enroll_under_PMFBY\"><\/span><strong>7. Who can enroll under PMFBY?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Both <strong>loanee farmers<\/strong> (with crop loans) and <strong>non-loanee farmers<\/strong> are eligible for the scheme.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8_Why_was_inundation_cover_removed_earlier\"><\/span><strong>8. Why was inundation cover removed earlier?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It was removed in 2018 due to concerns related to <strong>moral hazard<\/strong> and difficulties in accurate assessment of inundation damage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9_What_technology_supports_PMFBYs_claim_process\"><\/span><strong>9. What technology supports PMFBY\u2019s claim process?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Tools like <strong>remote sensing<\/strong>, <strong>yield estimation technology (YES-TECH)<\/strong>, and <strong>weather-data systems (WINDS)<\/strong> enhance assessment accuracy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10_Is_PMFBY_mandatory_for_farmers\"><\/span><strong>10. Is PMFBY mandatory for farmers?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>PMFBY is <strong>voluntary<\/strong> for all farmers since February 2020.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Some_Important_Current_Affairs_Links\"><\/span>Some Important Current Affairs Links<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/national\/\" target=\"_blank\" rel=\"noreferrer noopener\">State Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--2\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/sports\/\" target=\"_blank\" rel=\"noreferrer 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wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/defence\/\" target=\"_blank\" rel=\"noreferrer noopener\">Defence Current Affairs<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--4\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs?newsmaticargs=custom&amp;posts=today\" target=\"_blank\" rel=\"noreferrer noopener\">Daily Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--5\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairsinhindi\/\" target=\"_blank\" rel=\"noreferrer noopener\">Current Affairs In Hindi<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--6\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/news-and-notifications\/\" target=\"_blank\" rel=\"noreferrer noopener\">News and Notifications<\/a><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.edunovations.quiz\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" width=\"900\" height=\"150\" src=\"https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/03\/Banner-current-affairs-2-1.jpg\" alt=\"Download this App for Daily Current Affairs MCQ&#039;s\" class=\"wp-image-247\" title=\"\" srcset=\"https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/03\/Banner-current-affairs-2-1.jpg 900w, https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/03\/Banner-current-affairs-2-1-300x50.jpg 300w, https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/03\/Banner-current-affairs-2-1-768x128.jpg 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/a><figcaption class=\"wp-element-caption\">Download this App for Daily Current Affairs MCQ&#8217;s<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\" id=\"News-Website-Development-Company\"><a href=\"https:\/\/www.martindiainfotech.com\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" width=\"900\" height=\"150\" src=\"https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/04\/News-Website-Development-Company-Banner.png\" alt=\"News Website Development Company\" class=\"wp-image-438\" title=\"News Website Development Company\" srcset=\"https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/04\/News-Website-Development-Company-Banner.png 900w, https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/04\/News-Website-Development-Company-Banner-300x50.png 300w, https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/04\/News-Website-Development-Company-Banner-768x128.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/a><figcaption class=\"wp-element-caption\">News Website Development Company<\/figcaption><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>PMFBY wild animal coverage introduced as PM Fasal Bima Yojana expands to include crop loss from wildlife attacks and paddy inundation starting Kharif 2026, providing major relief to farmers. PM Fasal Bima Yojana Expands to Cover Wild-Animal Attacks &amp; Paddy Inundation What Has Changed in PMFBY? The Pradhan Mantri Fasal Bima Yojana (PMFBY) has been&#8230;<\/p>\n","protected":false},"author":6,"featured_media":42168,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[138,159],"tags":[14904,2309,21947,16378,364,30594,2312,182,30593],"class_list":["post-42130","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-agriculture","category-scheme_and_committees","tag-agricultural-schemes","tag-crop-insurance","tag-current-affairs-2025","tag-farmers-welfare-2","tag-government-policies","tag-insurance-schemes-india","tag-pmfby","tag-rural-development","tag-upsc-agriculture"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/42130","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/comments?post=42130"}],"version-history":[{"count":3,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/42130\/revisions"}],"predecessor-version":[{"id":42169,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/42130\/revisions\/42169"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/media\/42168"}],"wp:attachment":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/media?parent=42130"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/categories?post=42130"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/tags?post=42130"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}