Why Gujarat exited PMFBY
Gujarat opted out of the Pradhan Mantri Fasal Bima Yojana (PMFBY) in August 2020 over delays in claim settlement and design disputes. The state replaced it with Mukhyamantri Kisan Sahay Yojana (MMKSY), a fully state-funded, no-premium crop-loss compensation scheme.
Coverage and benefits
- 33-60 % loss: ₹20,000/ha.
- > 60 % loss: ₹25,000/ha.
- Maximum 4 ha per beneficiary.
- Perils covered: drought, heavy rain, unseasonal rain, hailstorm.
- DBT to Aadhaar-linked bank account; no premium taken from farmers.
Eligibility
- 8-A record holder (Gujarat AnyROR) — owner-cultivator.
- Forest Rights Act (FRA) recipients.
Loss assessment
Assessment is village-level joint survey by Talati cum Mantri + Agriculture Officer + farmer representative. The state notifies the assessment window after a calamity event; farmers register through the iKhedut portal.
How to apply — step by step
- Register sowing on ikhedut.gujarat.gov.in within the season cut-off (typically 30 — 45 days from notified sowing window).
- On calamity event (drought, heavy rain, unseasonal rain, hailstorm), wait for the state government notification declaring the affected taluka / district.
- Submit AnyROR 8-A land record, Aadhaar, bank account (Aadhaar-seeded), and sowing self-declaration on the portal.
- Joint survey team (Talati-cum-Mantri + Agriculture Officer + farmer representative) inspects the field and assigns loss class (33 — 60 % or > 60 %).
- DBT credited within 60 days at applicable rate (₹20,000/ha or ₹25,000/ha), capped at 4 ha per beneficiary.
Latest changes (2024 — 2026)
- 2024 monsoon: Heavy-rain damage notifications issued for Saurashtra and South Gujarat; MMKSY triggered with state-funded payouts.
- March 2025: iKhedut portal upgraded with AgriStack Farmer ID integration; sowing declaration auto-validates against Digital Crop Survey.
- August 2025: Unseasonal-rain window opened for kharif; perennial-crop coverage review under consideration.
- 2025-26: Joint-survey methodology tightened; geo-tagged photographs of damage mandatory.
Common rejection reasons
- Sowing not registered in cut-off: beneficiary status invalid without timely sowing registration.
- Damage below 33 % threshold: MMKSY triggers only at ≥33 % loss.
- AnyROR mismatch: land record differing from Aadhaar; remediate at the Mamlatdar.
- Aadhaar — bank seeding failure: DBT credit fails on NPCI side.
- Coverage above 4 ha cap: payouts are pro-rated to 4 ha.
- Joint survey not held: if calamity notification not issued for the taluka, no MMKSY trigger.
Grievance: Talati-cum-Mantri → Mamlatdar → District Agriculture Officer → Gujarat Agriculture Department Director. iKhedut hosts a public grievance pipeline tied to the state Swagat system.
Coverage statistics
Per Gujarat Agriculture Department data, MMKSY pays out variable amounts depending on monsoon and unseasonal-rain incidence; in years of widespread damage payouts run to several hundred crore rupees, covering several lakh farmer beneficiaries. The scheme being fully state-funded with no farmer premium means coverage is restricted to notified calamity events. Exact figures for FY 2024-25 and FY 2025-26 are published in state Vidhan Sabha replies and the Department of Agriculture annual report.
How MMKSY stacks with other schemes
MMKSY replaces PMFBY in Gujarat — a farmer cannot enrol under PMFBY in Gujarat. PM-KISAN income support remains available; KCC short-term credit at MISS rate finances inputs. Gujarat farmers continue to access AIF, PMFME, NMNF, PKVY, MIDH, SMAM, e-NAM and PM-AASHA in normal form. PMKSY-PDMC subsidises drip/sprinkler and PM-KUSUM provides solar-pump subsidy. The AnyROR land record now maps to AgriStack Farmer ID for single-window verification.
Related
- PMFBY (national scheme; not active in Gujarat).
- Gujarat state guide.