‘प्रधानमंत्री फसल बीमा योजना’ के संदर्भ में निम्नलिखित कथनों पर विचार कीजिए :
- 1.इस योजना के अंतर्गत कृषकों को वर्ष के किसी भी मौसम में उनके द्वारा किसी भी फसल की खेती करने पर दो प्रतिशत की एकसमान दर से बीमा किश्त का भुगतान करना होगा।
- 2.यह योजना, चक्रवात एवं गैर-मौसमी वर्षा से होने वाले कटाई-उपरांत घाटे को बीमाकृत करती है।
उपर्युक्त कथनों में से कौन-सा/से सही है/हैं?
Read this question in English
With reference to 'Pradhan Mantri Fasal Bima Yojana', consider the following statements:
1. Under this scheme, farmers will have to pay a uniform premium of two percent for any crop they cultivate in any season of the year.
2. This scheme covers post-harvest losses arising out of cyclones and unseasonal rains.
Which of the statements given above is/are correct?
(a) 1 only · (b) 2 only · (c) Both 1 and 2 · (d) Neither 1 nor 2
उत्तर और व्याख्या · explanation in English
Answer: (b) केवल 2
PMFBY, approved by the Cabinet on 13 January 2016, fixed different farmer premiums by season and crop type (2% kharif, 1.5% rabi, 5% annual commercial and horticultural crops), so there is no single 2% rate for all crops. It did, however, extend post-harvest loss cover from cyclonic rain to unseasonal rain as well, across India.
- ✗ 1. The 2% rate applies only to kharif crops; rabi crops carry 1.5% and annual commercial or horticultural crops 5%, with the government paying the balance premium.
- ✓ 2. PIB's comparison table shows PMFBY covering post-harvest losses all over India for cyclonic and unseasonal rain, whereas the earlier modified scheme covered only cyclonic rain in coastal areas.
Remember · PMFBY (2016) farmer premium: kharif 2%, rabi 1.5%, commercial/horticultural 5%. Covers prevented sowing, localised risks and post-harvest losses (cyclone, unseasonal rain).
Sources
- PIB, Ministry of Agriculture and Farmers Welfare: Cabinet approves Pradhan Mantri Fasal Bima Yojana (13 January 2016) ↗ “There will be a uniform premium of only 2% to be paid by farmers for all Kharif crops and 1.5% for all Rabi crops. In case of annual commercial and horticultural crops, the premium to be paid by farmers will be only 5%. … 6 Post Harvest Losses coverage No Coastal areas - for cyclonic rain All India – for cyclonic + unseasonal rain”
Question and answer: UPSC's official GS Paper I (2016, Series A) — paper ↗ · answer key ↗. Explanation: Minimalist IAS, checked 30 Sept 2026 (how we verify). ·