Pashu Dhan Bima Yojana Madhya Pradesh Launches Livestock Insurance Scheme for Farmers
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Pashu Dhan Bima Yojana: Madhya Pradesh Launches Livestock Insurance Scheme for Farmers

In a significant move to support livestock farmers and cowherds, the Madhya Pradesh government, under Chief Minister Shivraj Singh Chouhan, has introduced the Pashu Dhan Bima Yojana. This scheme aims to provide financial relief to farmers in the event of livestock loss, ensuring better security and economic stability for rural communities.

The Pashu Dhan Bima Yojana is applicable across all districts of Madhya Pradesh and covers a wide range of livestock, including cows, buffaloes, sheep, and goats. The program has been designed to provide maximum benefits to cattle farmers by offering insurance coverage at highly subsidized rates.


Key Features of Pashu Dhan Bima Yojana

1. Comprehensive Insurance Coverage

Farmers can insure up to five animals under the scheme. For smaller livestock such as goats and sheep, 10 animals are considered equivalent to one unit, allowing beneficiaries to insure up to 50 animals at a time.

2. Subsidy on Insurance Premiums

  • Above Poverty Line (APL) Farmers: Receive a 50% subsidy on the premium.
  • Below Poverty Line (BPL), Scheduled Caste (SC), and Scheduled Tribe (ST) Farmers: Eligible for a 70% subsidy on the premium.
    The remaining amount must be paid by the beneficiaries.

3. Affordable Premium Rates

  • One-Year Coverage: Premium capped at 3% of the insured amount.
  • Three-Year Coverage: Premium set at 7.5%.

Farmers can choose insurance durations based on their needs, ranging from one to three years.

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Claim Process for Pashu Dhan Bima Yojana

In case of livestock death, farmers must follow these steps to claim insurance:

  1. Report within 24 Hours: Inform the insurance company immediately.
  2. Veterinary Examination: A veterinarian from the Animal Husbandry Department will assess the cause of death and prepare a detailed report.
  3. Submit Claim Form: Officials will forward the claim to the insurance company within 30 days.
  4. Claim Settlement: The insurance company is required to settle claims within 15 days of receiving the form.

This streamlined process ensures prompt financial assistance for affected farmers.


How to Apply for Pashu Dhan Bima Yojana

Farmers can apply for the scheme online by following these steps:

  1. Visit the Official Website
    Access the Animal Husbandry Department’s website for Madhya Pradesh.
  2. Register or Log In
    Create a new account or use existing credentials to log in.
  3. Select the Scheme
    Locate Pashu Dhan Bima Yojana under the services section.
  4. Complete the Form
    Provide details about livestock and personal information.
  5. Upload Documents
    Attach necessary identification and proof of ownership.
  6. Choose Insurance Duration
    Select a coverage period of one to three years.
  7. Pay the Premium
    Make the payment based on the applicable subsidy for your category.
  8. Submit and Confirm
    Submit the application and receive the insurance policy via email or SMS.
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Benefits of Pashu Dhan Bima Yojana

This scheme not only protects farmers against unforeseen losses but also promotes sustainable farming practices. By reducing the financial burden associated with livestock deaths, the program supports the rural economy and strengthens the livestock sector in Madhya Pradesh.


FAQs About Pashu Dhan Bima Yojana

1. Who is eligible for the Pashu Dhan Bima Yojana?
Farmers, cowherds, and livestock owners in Madhya Pradesh can apply. Subsidy rates differ based on economic categories such as APL, BPL, SC, and ST.

2. What types of animals are covered under the scheme?
The scheme covers cows, buffaloes, sheep, goats, and other livestock commonly raised by farmers.

3. How long does it take to settle an insurance claim?
Claims are processed within 15 days of submission to the insurance company.

4. Is there a maximum limit to the number of animals insured?
Farmers can insure up to five large animals or an equivalent of 50 smaller livestock.

5. Can I apply for the scheme offline?
Currently, the scheme primarily operates through the state’s Animal Husbandry Department website. However, farmers can seek assistance at local government offices for guidance on application procedures.


The Pashu Dhan Bima Yojana is a transformative initiative designed to safeguard the livelihoods of livestock farmers in Madhya Pradesh, demonstrating the government’s commitment to empowering rural communities.

Pashu Dhan Bima Yojana Madhya Pradesh Launches Livestock Insurance Scheme for Farmers
Pashu Dhan Bima Yojana Madhya Pradesh Launches Livestock Insurance Scheme for Farmers
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