- New Pik Vima Yojana for Kharif 2025 introduces 5 significant changes including premium rates and claim process.
- Elimination of one-rupee insurance scheme; farmers must now pay premiums between 1.5% to 5% of insured sum depending on crop type.
- Claim payments will now be based strictly on crop cutting experiments, ensuring transparency.
- Farmer ID and mandatory e-crop registration introduced for scheme participation.
- Only two insurance companies appointed, and strict action against fake claims to protect genuine farmers.
State government has announced Pik Vima Yojana Maharashtra 2025 for the upcoming Kharif season with important reforms. The official decision was published on 24th June 2025. Farmers can apply for this scheme until 31st July 2025, with new rules aimed at improving benefits and curbing misuse.
Key Changes in Pik Vima Yojana Maharashtra 2025
1. Premium Payments Revised – One Rupee Scheme Ended
Earlier, farmers availed insurance coverage under a subsidised “1 Rupee Pik Vima Scheme” during the 2023 Kharif season. This scheme has now been discontinued. Farmers must pay the following premiums based on the insured amount:
- Kharif season: 2% of insured sum
- Rabi season: 1.5% of insured sum
- Cash crops (both seasons): 5% of insured sum
This change calls for better financial planning from farmers.
2. Claim Payments Based Only on Crop Cutting Experiment
Previously, farmers could claim compensation based on four triggers: local natural disasters, adverse weather conditions, post-harvest damage and crop cutting experiments. Now, only the data from crop cutting experiments will be used for claim settlements. This approach aims for more accurate, data-driven, and transparent claim processing.
3. Mandatory Farmer ID and E-Crop Registration
To participate in the scheme, farmers must have a Farmer ID issued under the central government’s AgriStack program. Additionally, e-crop registration through official crop inspection is compulsory. Only crops registered officially will be insured, ensuring authenticity and transparency.
4. Appointment of Only Two Insurance Companies
For the 2025 Kharif season, only two insurance companies have been authorized to operate:
- ICICI Lombard General Insurance for Dharashiv, Latur, and Beed districts
- Agriculture Insurance Company of India (AIC) for all other districts
This measure simplifies claim procedures and strengthens the organization of insurance delivery.
Also Read – Pik Vima Yojana Maharashtra – New Updates in Eligibility, Benefits & Application Process
5. Strict Action Against Fraudulent Insurance Claims
The government has detected millions of fake insurance applications in earlier schemes. To protect genuine beneficiaries, strong measures have been introduced:
- Farmers found involved in fake claims will have their Aadhaar number blacklisted for 5 years.
- Such farmers will also be barred from availing any government schemes for 5 years.
This step is intended to prevent misuse and ensure that the crop insurance scheme reaches farmers who truly need support.
How to Apply for Pik Vima Yojana Maharashtra 2025
If you are a farmer in Maharashtra, here is how you can apply:
- Visit the official website https://krishi.maharashtra.gov.in/Site/Home/Index.aspx
- Ensure you have a valid Farmer ID from AgriStack.
- Register your crops through the official e-crop inspection process.
- Collect necessary documents such as Aadhaar, land ownership papers, and crop details.
- Submit your application before 31st July 2025 via your local agriculture office or the official online portal.
- Pay the prescribed premium according to your crop type and insured amount.
For further official details, visit the Maharashtra Agriculture Department website or contact local authorities.
By understanding these new rules and submitting your application on time, you can secure financial protection against crop losses and contribute to a transparent and fair agricultural insurance system.