CHANDIGARH, 9 July 2025: The Haryana government has extended the application deadline for the Mukhya Mantri Bagwani Bima Yojana (MBBY), its flagship horticulture crop insurance scheme, to July 31, 2025, offering a crucial reprieve to farmers grappling with climatic uncertainties.
Initially scheduled to close on May 31, the deadline extension allows greater participation, particularly from farmers engaged in vegetable, fruit, and spice cultivation. The scheme provides financial protection against crop losses due to natural disasters such as hailstorms, floods, frost, fire, and extreme temperatures.
Under MBBY, farmers pay just 2.5% of the total premium, while the state government subsidizes the remaining amount. The move aims to enhance the economic resilience of horticulture producers, many of whom face growing volatility from climate change.
Coverage and Benefits
The scheme currently covers 46 horticultural crops:
Vegetables (23 crops): Bhindi, tomato, brinjal, capsicum, bottle gourd, pumpkin, cucumber, onion, etc.
Fruits (21 crops): Mango, guava, kinnow, lemon, lychee, strawberry, grapes, etc.
Spices (2 crops): Turmeric and garlic
| Crop Type | Insurance Cover (₹/acre) | Farmer's Premium (2.5%) |
|---|---|---|
| Vegetables & Spices | INR 30,000 | INR 750 |
| Fruits | INR 40,000 | INR 1,000 |
Compensation Based on Crop Damage
| Damage % | Vegetables & Spices | Fruits |
|---|---|---|
| 0–25% | INR 0 | INR 0 |
| 26–50% | INR 15,000 | INR 20,000 |
| 51–75% | INR 22,500 | INR 30,000 |
| Above 75% | INR 30,000 | INR 40,000 |
Post-assessment by an official committee, the compensation will be transferred directly to farmers’ bank accounts. The process aims to ensure transparency and timely disbursal, providing a reliable safety net for affected growers.
Officials have urged farmers to complete their registrations before July 31 to avail themselves of the scheme benefits. The insurance coverage supports not only risk mitigation but also boosts confidence among Haryana’s horticultural community amid mounting climate-related challenges.
Image credit: bconsi.blogspot.com
