Pashu Bima Yojana: Pashu Bima Yojana was started by the Bihar Government for the protection of cattle. The Directorate of Dairy Development of Bihar started this scheme. Insurance is provided to protect the cattle owned by livestock owners or farmers. If these animals die due to any disease, natural disaster, or accident, then a certain amount is received.
After insurance, up to ₹60,000 can be received for milch cattle. The Bihar Government also provides a subsidy on this insurance money. The main objective of this scheme is to protect farmers from financial loss. Dairy farmers also get many benefits under this scheme.
Pashu Bima Yojana, Bihar:
| Name | Detail |
| Scheme | Pashu Bima Yojana |
| State | Bihar |
| Purpose | Save the farmer from sudden loss |
| For whom | Livestock owner |
| Benefit | A 60000 insurance amount is given |
| Implemented Year | 2023 |
What is Pashu Bima Yojana?
Pashu Bima Yojana is a scheme of the Bihar Government in which insurance is provided for animals. Cows, buffaloes, and other milch cattle come under this scheme. Insurance is provided for all these animals. If these animals face sudden death, any kind of accident, or any loss because of a natural disaster, then money is given. Farmers suffer huge losses because cattle are lost many times, and this scheme was started to protect farmers from financial loss.
Objectives of the Scheme:
- The main objective of this plan is to protect livestock owners from financial loss and provide them with financial security.
- When cattle die, many farmers go into depression, so care is taken that they do not fall into depression.
- The people in villages who are connected with dairy farming should get support and security.
- When these cattle die, farmers suffer huge losses, so farmers are protected from these losses.
- Many people do not know about this scheme, so increasing awareness is another objective of this scheme.
- Village people are generally connected with this profession, and through their efforts, the village economy is made stronger.
Benefits of Pashu Bima Yojana:
After insurance, up to ₹60,000 insurance can be received for milch cattle. If by chance the animals die, then farmers are saved from financial loss. The most important thing is that the Bihar Government gives 75% subsidy in this scheme. Farmers only have to pay a small amount of money, and the remaining amount is paid by the Bihar Government. The financial security of livestock owners in villages remains better because of this plan. Dairy farming becomes more stable, and others also get the courage to do dairy farming.
Animals Covered Under the Scheme:
- Cow
- Buffalo
- Milch cattle
- Goat
Eligibility Criteria:
The applicant must be a permanent resident of Bihar. The person applying must be a livestock owner. Farmers can also apply. At the time of insurance registration, the animal should not be sick. The animal must be completely healthy; only then can the application be made. The applicant has to submit all documents. No documents should be left out. Only the animals mentioned under this scheme will be eligible for insurance.
Required Documents:
- Aadhaar card has to be submitted as identity proof.
- A residency certificate has to be submitted as proof of being a permanent resident of Bihar.
- Bank details have to be submitted.
- A recent passport-size photograph will be needed.
- An active mobile number has to be submitted.
- A health certificate is needed to show that the animals are healthy.
- An identification certificate of the animal will be needed.
- The insurance form has to be filled out.
Application Process:
The applicant has to contact the local Animal Husbandry Department or Dairy Development Office. The form has to be collected from there. All documents have to be submitted with the form, and all documents must be valid. Before insurance is done, the animals will be inspected. Only if the animals are eligible will the insurance be done. After insurance registration, the insurance amount has to be deposited. After insurance is completed, if the animals face any kind of problem, then the insurance amount will be paid.
Premium and Subsidy Details:
- Under this scheme, the insurance premium is 3.5%.
- The Bihar Government pays 75% of the premium amount.
The remaining 25% only has to be paid by the farmer, and this amount is very small.
Challenges of the Scheme:
Awareness about this scheme is very low. Many farmers still do not know that such a scheme exists. After filling the form, verification of the animals is done, and that takes a lot of time. In some cases, farmers face a little difficulty in submitting documents. In some places, there is no proper monitoring facility.
Future Importance of the Scheme:
- In the future, this scheme has a lot of possibilities to improve the economic condition of farmers.
- When the condition of farmers improves, awareness about this scheme will also increase among people, and more people will come forward to get insurance.
- Dairy farming in villages will also be able to improve more under this plan.
- Many farmers will be protected from the loss caused by the death of cattle.
- Overall, the rural economy will become much stronger in the future than before.
The Pashu Bima Scheme is very important for livestock owners because it protects them from sudden loss. All these poor farmers get a lot of relief because of this plan. But this scheme still needs much more awareness.
Important Links
| Official Website | Click Here |
| Guideline | Click Here |
FAQs
What is Pashu Bima Yojana?
Pashu Bima Yojana is a scheme of the Bihar Government in which insurance is provided for cattle.
What benefits are available under this scheme?
Under this scheme, if the animals face sudden death or accident, then a certain amount is received, which protects farmers from sudden loss.
How much financial assistance is received?
Almost ₹60,000 can be received.
Does the farmer have to pay the full insurance amount, or is a government subsidy available?
The main benefit of this scheme is that the government gives 75% subsidy, and only 25% has to be paid by the farmer.
Do the animals have to be healthy for insurance under this scheme?
Yes, under this plan, the animals have to be healthy for insurance. A health certificate has to be shown. Before insurance is done, the animals are also verified.
