Assessment of beneficiaries knowledge and constraints in the adoption of Pradhan Mantri Fasal Bima Yojna (PMFBY)

The study is conducted in C.D. Block Bissau, District Jhunjhunu, Rajasthan, in the 2024-25. Under this study followed Ex-post facto research design and purposive sampling, selecting 90 respondents from five villages in the Bissau C.D. block. Data were collected through personal interviews and analyzed using statistical tools like frequency, percentage, mean, standard deviation, and rank order. Results showed that the majority of beneficiaries (48.89%) had medium knowledge, followed by (26.67%) high level and (24.44%) low knowledge level of the respondents, such as claim reporting period, crop insurance through banks, and coverage across states and union territories. Major constraints faced by the farmers during the scheme under cultivation problem getting claim rank I, followed by technical guideline is not sought from the bank official rank II followed by III, IV, V rank achived. The lack of technical guidance, unfriendly bank procedures, exclusion of non-natural loss coverage, and financial difficulties in premium payment. The PMFBY scheme is a significant step toward securing farmers’ livelihoods, several simplified procedures, and institutional support is essential for maximizing the scheme's impact and ensuring wider adoption among the small and marginal farmers.