Jharkhand Rajya Fasal Rahat Yojana: Eligibility, Apply Process, Benefits

Jharkhand Rajya Fasal Rahat Yojana is basically a government relief scheme targeting farmers against crop loss, which arises due to natural calamities such as drought, flood, hailstorms, pests, and diseases. The scheme provides monetary benefit to farmers directly with no requirement for farmers to pay any premium towards the scheme. The scheme will aid land-owning and landless farmers in recovering from losses arising due to agricultural damage.

Jharkhand Rajya Fasal Rahat Yojana Overview

Jharkhand Rajya Fasal Rahat Yojana is a state-government scheme designed for farmers. The scheme was designed to assist land-owning and landless farmers against crop loss caused by natural calamities. No insurance premium has to be paid under this scheme. On verification, the government provides financial assistance directly to the farmers.

This is not a crop insurance scheme; it is a relief scheme. It aims to compensate the farmers and safeguard their income in case of crop damage. It is run by the government of Jharkhand. No private insurance company is operating this scheme.

Key Benefits of JRFY (Jharkhand Rajya Fasal Rahat Yojana)

Key Benefits of JRFY ensure that farmers receive quick and direct financial support whenever their crops are damaged due to natural calamities. This scheme is designed to reduce financial stress by offering premium-free assistance.

• Farmers have direct financial assistance due to crop loss.

• No need to pay any premium for the scheme.

• Both land-owning farmers and landless farmers can apply.

• It covers both Kharif and Rabi crops.

• Assistance is provided for losses caused by drought, flood, hailstorms, pests, and diseases.

Key benefits of JRFRY are that farmers can easily get help as quickly as possible. The process is uncomplicated and does not involve insurance companies.

Eligibility Criteria for JRFY

To get help under Jharkhand Rajya Fasal Rahat Yojana, farmers should follow some basic rules. The Eligibility Criteria for JRFRY are:

• The farmer should be a resident of Jharkhand.

• The farmer needs to possess/lease land in the state of Jharkhand.

• The farmer shall be registered with the government’s Farmer Registration System.

• The farmer must bear crop loss arising out of natural calamity.

• The minimum crop loss should be 20% or more.

It targets both small and large farmers. The scheme covers all categories of farmers.

Documents Required to Apply for JRFY

Before applying, farmers have to keep some documents ready. The Documents Required for JRFRY are:

• Aadhaar Card (for identity)

• Bank Account Details (for payment)

• Land Papers (LPC, Land Receipts, Vansawali)

• Crop Loss Report (attested to by local officer)

• Domicile Certificate (proof of Jharkhand residency)

• Mobile Number (for updates)

Proper documents make the procedure faster. The farmers should check if all documents are correct before application.

How to Apply for Jharkhand Rajya Fasal Rahat Yojana

The How to Apply for JRFRY  process is simple. Follow these easy steps to get yourself registered and apply for crop insurance on the official PMFBY portal. The process takes only a few minutes if you have your documents ready.​

• Step 1: Visit the official website of PMFBY- Open the browser and visit pmfby.gov.in. On the top right corner of the home page, find the link that says "Farmer Corner" and click it.​

• Step 2: Start as a Guest Farmer - A popup will appear-select "Guest Farmer." This opens the Online Registration Form. If you already have an account, jump straight to Step 4.​

• Step 3: Fill Out Your Registration Details - Fill in all the details that are marked in red asterisks (*). Under "Farmer Details," fill in your full name, passbook name, relationship, relative's name, mobile number, age, caste, gender, farmer type, and category. Under "Residential Details," fill in state, district, sub-district, village/town, address, and PIN code. In "Farmer ID," select ID type and number. For "Account Details," add IFSC, bank name, branch, and savings account number, confirming it twice. At the bottom is the captcha, which you must fill in and then click "Create User."​

• Step 4: Access the Insurance Application- Click "Farmer Corner (Apply for Crop Insurance Yourself)" on the homepage. In the popup, select the option "Login for Farmer" to arrive at the login page.​

• Step 5: Logging In Using OTP- Enter your mobile number and captcha and click "Request for OTP." Enter the OTP received at your phone number and submit. You will be taken to the Farmer Application Form.​ 

• Step 6: Complete and Submit Your Application Fill in all the required fields in the application form, and attach necessary documents in the correct format and size. Click "Preview" to review everything and then "Submit." A confirmation message will appear.​ 

• Step 7: Handle payment options A popup displays either "Pay Later" or "Make Payment." Select the option that fits your needs. Step 8: Get Your Receipt Print or save the receipt page for your records after payment. Track Your Application Status You can check progress at any time by visiting the homepage and clicking "Application Status." Remember to save your application ID for quick access

This does not involve any premium payment under the scheme. On verification, financial assistance is directly sent to the farmer's bank account.

State-Wise Guidelines and Implementation of JRFY

State-wise Guidelines and implementation of JRFY vary a little from district to district. However, the main rules are the same across Jharkhand. The scheme is handled by the  Department of Agriculture, Animal Husbandry & Cooperative. Farmers can contact the local offices of agriculture for assistance. Extra rules or additional documents may be required for some districts. Always enquire at your local office before applying. The scheme is designed to assist all farmers in Jharkhand.

Coverage and Insurance Details under JRFY

The Jharkhand Rajya Fasal Rahat Yojana covers losses due to drought, flood, hailstorms, pests, and diseases. The scheme does not cover losses from man-made reasons. The coverage is only for Kharif and Rabi crops.

Farmers need not purchase any insurance. The government provides direct assistance after validating the loss. The amount varies based on the percentage of crop loss.

Claim Process and Settlement for Farmers under JRFY

The JRFY claim process is easy. After submitting the application with the required documents, local officials will check the loss in the crop. If confirmed, the farmer will receive financial assistance directly into their bank account. The settlement time may vary but is generally quick.

Farmers have to keep their documents in order and, if needed, follow up with local offices.