Programme design
Bihar opted out of PMFBY in 2018 and replaced it with two state instruments: Krishi Input Anudan Yojana (input subsidy on certified loss) and Bihar State Fasal Sahayata Yojana (BSFSY) (state-funded crop insurance). KIAY pays cash to compensate input cost when ≥33 % crop loss is verified by the district administration after a notified disaster.
Benefit rates
- Rainfed crops: ₹6,800/ha.
- Irrigated crops: ₹13,500/ha.
- Perennial crops (mango, litchi, banana): ₹18,000/ha.
- Coverage up to 2 ha per farmer (extended in some seasons).
Eligibility
Unique among state schemes, KIAY explicitly covers:
- Raiyat (land-owning) farmers.
- Non-raiyat (sharecropper) farmers via self-declaration co-signed by the landowner or village head.
How to apply — step by step
- On official notification of damage (flood, drought, storm, hailstorm) by the District Agriculture Officer, visit dbtagriculture.bihar.gov.in within the cut-off window (typically 15 — 30 days from notification).
- Submit Aadhaar, land record (Bihar Bhumi khasra) or sharecropper self-declaration co-signed by landowner or village head, bank account (Aadhaar-seeded), and crop-damage photographs.
- Village survey team (Agriculture Coordinator + Panchayat Sevak) visits and certifies damage class (33 — 50 %, 50 — 75 %, >75 %).
- DBT credited within 60 days of certification at the applicable rate (₹6,800 / ₹13,500 / ₹18,000 per hectare).
- For BSFSY parallel claim, separate enrolment is done at the start of the season; settlement is yield-based at the end.
Latest changes (2024 — 2026)
- 2024 monsoon: KIAY notifications issued for flood-affected districts including Muzaffarpur, Sitamarhi, Darbhanga, Madhubani; per- ha rates retained.
- March 2025: dbtagriculture.bihar. gov.in upgraded with AgriStack Farmer ID integration; auto-population of bank and Aadhaar details for repeat applicants.
- August 2025: Hailstorm-damage window opened for rabi/horticulture districts; perennial crops (mango, litchi) qualified at ₹18,000/ha.
- 2025-26: Sharecropper coverage tightened — landowner co-signature mandatory, preventing duplicate claims. Coverage cap retained at 2 ha per farmer.
Common rejection reasons
- Damage below 33 % threshold: KIAY triggers only at ≥33 % loss; lower damage uses BSFSY for yield-deficiency.
- Cut-off window missed: applications after the 15 — 30 day notification window are rejected.
- Land-record mismatch: Bihar Bhumi entries differing from Aadhaar trigger verification delay.
- Sharecropper declaration unsigned: absence of landowner or village head co-signature disqualifies non-raiyat claims.
- Aadhaar — bank seeding failure: DBT credit fails on NPCI side.
- Coverage cap exceeded: claims for land beyond 2 ha (or notified cap) are pro-rated.
Grievance: Panchayat Sevak → Block Agriculture Officer → District Agriculture Officer → Bihar Agriculture Department Director. dbtagriculture. bihar.gov.in routes complaints through the state Lokshikayat portal.
Coverage statistics
Per Bihar Agriculture Department data tabled in the state Vidhan Sabha, KIAY pays out tens of crore rupees in normal-monsoon years and several hundred crore in years of widespread flood or drought. The parallel BSFSY (state crop insurance) covers about 20 — 25 lakh farmer enrolments per season. Exact state-wise figures for FY 2024-25 and FY 2025-26 are published in the state Department of Agriculture annual report and budget documents.
How KIAY stacks with other schemes
Bihar uniquely uses KIAY + BSFSY in lieu of PMFBY — a farmer cannot enrol the same crop under PMFBY in Bihar. PM-KISAN remains available for income support; KCC short-term credit at MISS rate finances inputs. AIF and PMFME finance post-harvest infrastructure. NMNF and PKVY extend natural/organic farming convergence; ATMA extension carries field-level handholding. The state Bihar Bhumi land-record database increasingly maps to AgriStack Farmer ID, easing repeat enrolment.