Let us start with something that every horticulture farmer in Haryana knows from personal experience but that most people on the outside rarely stop to think about seriously.
Growing vegetables, fruits, and spices is not like growing wheat or rice. The income potential is higher — sometimes significantly higher per acre. But everything else that comes with it is also higher. The upfront investment is heavier. The attention and care the crop demands is more intensive day after day. The crop itself is far more sensitive to weather changes. And when something goes wrong the financial damage hits faster and harder than almost anything else in farming.
Think about what a tomato farmer actually goes through. Months of work from soil preparation to planting to daily maintenance. Real money spent on quality seeds, fertilisers, pesticides, irrigation equipment, and labour. The crop is growing well. You can see the fruit developing. You are a few weeks from harvest. And then one night a hailstorm rolls through and flattens everything in under thirty minutes. Or an unexpected frost hits and destroys the standing crop before sunrise. Or three days of unseasonal heavy rain waterlogged the field and the entire crop starts rotting before you can do anything about it.
That farmer does not just lose a crop. They lose months of hard physical work. They lose all the money they put in. And in many cases they lose the borrowed money they took specifically to fund that season’s cultivation — money they now have to repay without the income they were counting on to do it.
And because horticulture crops are perishable and seasonal there is no quick recovery. You have to wait for the next planting window. Find the money somehow to start again. Keep your family going through the gap. And carry the weight of that loss into the next season.
This is the reality that thousands of horticulture farmers across Haryana have been facing season after season. And for years they faced it without any proper financial protection specifically designed for the unique and serious risks of horticulture farming.
The Haryana Government changed that on 22 September 2021 when the State Cabinet approved the Mukhyamantri Bagwani Bima Yojana — the Chief Minister Horticulture Insurance Scheme. Under this scheme horticulture farmers across Haryana can insure their vegetable, fruit, and spice crops against natural disasters and adverse weather by paying just 2.5 percent of the insured amount as their contribution. The government covers the rest. And if the crop is damaged compensation of up to Rs. 30,000 per acre for vegetables and spices and up to Rs. 40,000 per acre for fruits goes straight into the farmer’s bank account.
A real financial safety net. Built specifically for horticulture farmers. At a premium cost that genuinely any farmer can afford.
This complete guide covers everything — what the scheme is, who qualifies, which 46 crops are covered, exactly what you pay and what you get back, how the claim process works, and how to register step by step.
The Mukhyamantri Bagwani Bima Yojana also known as MBBY is a horticulture crop insurance scheme approved by the Haryana State Cabinet on 22 September 2021 under the chairmanship of Chief Minister Manohar Lal Khattar. It is implemented by the Department of Horticulture, Government of Haryana. The official portal for the scheme is mbby.hortharyana.gov.in and the scheme was launched with an initial seed capital of Rs. 10 crore set aside specifically for it.
The word Bagwani means horticulture in Hindi — the cultivation of fruits, vegetables, spices, and other garden crops. Bima means insurance. Together the name says exactly what the scheme does — government-backed insurance designed specifically for horticulture farmers.
The Department of Horticulture Haryana looked carefully at existing crop insurance frameworks and found that none of them adequately covered the specific and serious risks that horticulture farmers face from natural calamities and weather events. The risks are real, the financial consequences are severe, and horticulture farmers had been left without a proper safety net for too long. MBBY was created specifically to fill that gap — covering crop losses from hailstorms, frost, untimely rainfall, floods, storms, fire, and extreme temperatures across a wide and carefully selected list of horticultural crops.
What makes MBBY genuinely farmer-friendly is the cost. The farmer pays only 2.5 percent of the total insurance premium. The Haryana Government pays the rest as a subsidy. For a farmer who has already invested heavily in horticulture cultivation Rs. 750 or Rs. 1,000 per acre in premium is not a burden — it is a completely practical decision. The scheme covers 46 horticulture crops across the entire state of Haryana and is monitored by state and district level committees ensuring proper oversight and accountability in how it is implemented.
Details | Information |
Scheme Name | Mukhyamantri Bagwani Bima Yojana MBBY |
Also Known As | CM Horticulture Insurance Scheme |
Cabinet Approval | 22 September 2021 |
Department | Horticulture Department, Haryana |
Crops Covered | 46 Horticulture Crops |
Farmer Premium | Only 2.5 Percent of Insured Amount |
Vegetable and Spice Premium | Rs. 750 Per Acre |
Fruit Premium | Rs. 1,000 Per Acre |
Compensation — Vegetables and Spices | Up to Rs. 30,000 Per Acre |
Compensation — Fruits | Up to Rs. 40,000 Per Acre |
Claim Assessment | Individual Field Level Survey |
Loss Categories | 25, 50, 75, and 100 Percent |
Scheme Type | Optional — Covers Entire State |
Seed Capital | Rs. 10 Crore |
Application Portal | |
Registration Also Via | fasal.haryana.gov.in — Meri Fasal Mera Byora |
Application Deadline 2025 | Extended to 31 July 2025 |
Before eligibility it is worth spending a moment on the real problem MBBY was built to fix — because horticulture farming carries risks that standard crop insurance was simply never designed to address properly.
Horticulture crops are fundamentally different from staple crops in ways that matter enormously when disaster strikes. They are more perishable — a delay of even a day or two during a weather event can destroy an entire batch before it can be harvested or moved. They require heavier investment per acre — growing tomatoes or grapes costs significantly more than growing wheat. They are more weather-sensitive — one night of unexpected frost or a single hailstorm can wipe out months of careful work in hours. And they are more valuable per acre — which means the financial fall when something does go wrong is proportionally much steeper and harder to recover from.
Despite all of this the existing crop insurance frameworks in India were largely designed around staple grain crops and left horticulture farmers inadequately protected. These farmers were taking on higher risks than grain farmers but had less financial protection when disaster struck — a situation that was deeply unfair and genuinely damaging to the long-term financial stability of horticulture farming families across Haryana.
MBBY was designed from scratch for horticulture. The coverage amounts reflect the actual economics of growing vegetables and fruits. The premium is set at a level any farmer can manage. The crop list covers what Haryana farmers actually grow. And the claim assessment works at the individual field level — meaning your field gets surveyed and your loss gets calculated specifically rather than being lumped into a district average that may bear no relation to what actually happened on your land.
The eligibility is clear and simple:
Permanent Resident of Haryana
You must be a permanent resident of Haryana. The scheme is for farmers living and farming in Haryana.
Active Horticulture Farmer
You must be actively growing one or more of the 46 covered horticulture crops in Haryana during the season for which you are applying.
Registered on Meri Fasal Mera Byora
This is the most critical practical condition. You must be registered on the Meri Fasal Mera Byora MFMB portal at fasal.haryana.gov.in with your current season’s horticulture crop and acreage details updated. MBBY enrollment is linked directly to your MFMB registration. If you are not yet on MFMB getting that done is the very first thing to do before anything else.
All Farmer Categories
The scheme is open to all categories of farmers — big, small, and marginal. Your farm size does not affect your eligibility. Any horticulture farmer in Haryana growing a covered crop and registered on MFMB can enroll.
Quick Summary:
Condition | Requirement |
Residency | Permanent Resident of Haryana |
Occupation | Active Horticulture Farmer |
MFMB Registration | Mandatory at fasal.haryana.gov.in |
Farmer Category | All Categories — Big, Small, Marginal |
Scheme Type | Optional — Farmer Chooses to Enroll |
Vegetables — 23 Crops
Bhindi, brinjal, bottle gourd, capsicum, tomato, onion, cucumber, pumpkin, watermelon, muskmelon, bitter gourd, ridge gourd, sponge gourd, cauliflower, cabbage, pea, potato, carrot, radish, turnip, spinach, fenugreek, and coriander.
Fruits — 21 Crops
Mango, guava, kinnow, lemon, lychee, pomegranate, grapes, strawberry, ber, aonla, peach, plum, pear, jamun, banana, papaya, fig, mulberry, date palm, and other notified fruit crops.
Spices — 2 Crops
Garlic and ginger.
This list covers the most widely grown and commercially significant horticulture crops in Haryana — meaning the majority of horticulture farmers in the state will find their primary crops here. If you want to confirm whether your specific crop is currently covered check the official portal at mbby.hortharyana.gov.in directly as the list may be updated from time to time.
This is the section that matters most for most farmers before they make a decision. Let us go through it clearly and completely:
What You Pay
The farmer’s contribution is only 2.5 percent of the total insured amount. The Haryana Government subsidises the rest.
- Vegetables and spices: Rs. 750 per acre
- Fruits: Rs. 1,000 per acre
Step back and look at what those numbers actually mean. Rs. 750 is the total premium you pay to insure a vegetable crop worth Rs. 30,000 per acre against complete destruction. Rs. 1,000 is the total premium to insure a fruit crop worth Rs. 40,000 per acre. You are paying less than 3 percent of the insured value to protect yourself against losing everything. For a crop you have invested months of work and serious money into that is not a difficult financial decision — it is an obvious one.
What You Get Back
Maximum compensation for total crop loss:
- Vegetables and spices: Rs. 30,000 per acre
- Fruits: Rs. 40,000 per acre
Compensation is not a binary all-or-nothing payment. It is calculated based on the actual percentage of damage assessed during the official field survey. Four damage categories are used:
Loss Category | Compensation Paid |
25 Percent Damage | 25 Percent of Maximum Sum Assured |
50 Percent Damage | 50 Percent of Maximum Sum Assured |
75 Percent Damage | 75 Percent of Maximum Sum Assured |
100 Percent Damage | Full Maximum Sum Assured |
So if a hailstorm destroys 50 percent of your vegetable crop you receive Rs. 15,000 per acre. If 75 percent is destroyed you receive Rs. 22,500 per acre. If the entire crop is lost you receive the full Rs. 30,000 per acre. For fruit crops the same proportional logic applies against the Rs. 40,000 maximum. The compensation is transferred directly into your registered bank account after the field survey — no cash, no middlemen, straight to your account.
Premium and Compensation Summary:
Crop Category | Farmer Premium Per Acre | Maximum Compensation Per Acre |
Vegetables | Rs. 750 | Rs. 30,000 |
Spices | Rs. 750 | Rs. 30,000 |
Fruits | Rs. 1,000 | Rs. 40,000 |
The scheme covers losses from the following natural events and adverse weather conditions:
- Hailstorms — sudden, devastating, and completely outside a farmer’s control
- Frost — especially damaging for fruit crops and winter vegetables
- Untimely or excessive rainfall — including unseasonal rain during critical growing or harvest periods
- Floods and waterlogging — submergence of fields after heavy rain
- Storms and cyclonic events
- Fire — crop losses caused by fire incidents
- Extreme temperatures — both unusual heat waves and extreme cold events
These are precisely the risks that horticulture farmers across Haryana face most regularly and that can cause the most sudden and severe financial damage.
What is Not Covered
The scheme covers losses from natural weather events and disasters — what are called abiotic risks. It does not cover crop losses from pest attacks or disease outbreaks — called biotic risks. Losses from negligence, poor farming practices, or falling market prices are also not covered. This is a weather and natural disaster protection scheme — not a general all-risks crop compensation programme.
Here is the complete process for doing a family ID update online from your phone or computer.
Open mbby.hortharyana.gov.in on your phone or computer. This is the only official portal for this scheme. Before entering anything confirm the URL is exactly right. One second of checking keeps you completely safe from fake portals.
On the portal homepage find the login option and enter one of the following:
- Your registered mobile number
- Your PPP Family ID number
- Your Meri Fasal Mera Byora MFMB ID
Enter your details and proceed. An OTP will be sent to your registered mobile for verification. Enter it to log in.
Before going further open fasal.haryana.gov.in in another tab and confirm that you are already registered on Meri Fasal Mera Byora and that your current season’s horticulture crop type and acreage are correctly updated there. MBBY enrollment pulls from your MFMB data. If your MFMB details are incomplete or outdated your MBBY registration will have problems. Get MFMB sorted first — then come back to MBBY.
Once you are inside your account the portal will ask you to select which crop or crops you want to insure and enter the acreage for each one.
Do not rush through this part.
Go through it carefully and select every crop you are growing that season from the covered list. Then enter the acreage for each crop as accurately as you can. These numbers are not just for the registration form — they directly determine two things that matter a great deal to you. How much premium you pay. And how much compensation you receive if your crop gets damaged. Both are calculated per acre based entirely on what you enter right here. So getting this right is important.
Now here is something worth saying plainly because some farmers make this mistake. When they see the premium amount some people are tempted to enter a lower acreage than they actually have — thinking it will save them a little money on the premium. It will. But it will cost them much more later. If disaster strikes and you need to file a claim your compensation will only be calculated against the acreage you registered — not the land you actually farm. You could end up receiving a fraction of what your real loss deserves simply because of a number you entered wrong on the registration form. The saving on premium is small. The loss on compensation can be very large. Enter your actual acreage honestly every single time.
After you have entered your crop and acreage details the portal will automatically calculate your total premium and display a summary on screen. You will see the crop name, the acreage, the per-acre premium rate, and the total amount you need to pay.
Do not just glance at this screen and click confirm without reading it.
Go through each line one by one. Is the crop name correct? Is the acreage exactly what you entered and what you actually have? Is the per-acre rate the right one for that crop category? Does the total amount look right?
This takes two minutes and those two minutes genuinely matter. A wrong crop selection or an incorrect acreage sitting here unnoticed affects your entire season’s coverage. Fixing it now is easy. Discovering it months later when you are trying to file a claim is a serious problem. Read it properly, confirm everything is right, and only then move forward.
Pay the total premium through the online payment options on the portal. Choose your payment method, complete the transaction, and wait for the confirmation.
The moment that payment goes through your enrollment is done. Your crop is covered under the Mukhyamantri Bagwani Bima Yojana for that season. From that point forward the financial protection of the scheme is behind you.
And this is a one-time payment for the full season — not something you pay in instalments or need to renew midway through. One payment, one season, full coverage. That is it.
After the payment is confirmed a registration confirmation screen will appear with your enrollment details and your unique registration number.
Stop whatever else you are doing and save that number immediately.
Screenshot the screen. Write the number down somewhere physical. Send it to yourself on WhatsApp. Do more than one of these if it gives you peace of mind. However you prefer to save things — do it right now before you close the page or move on to anything else.
That registration number is the single most important thing that comes out of this entire registration process. It is your proof that your crop is covered. It is the first thing anyone will ask for if your crop gets damaged and you need to file a claim. If you have it the claim process moves smoothly and quickly. If you do not have it you will spend unnecessary time and effort trying to retrieve it when you are already dealing with the stress of a damaged crop.
Thirty seconds of saving it properly right now means you never have to worry about it for the rest of the season.
The scheme has a seasonal registration deadline. For 2025 the government extended it to 31 July 2025. New deadlines are announced on the portal each season. Waiting until the last few days to register is a risk you do not need to take. Register as early as possible in the season and get your coverage confirmed well before the deadline approaches.
If your crop is damaged by a covered weather event here is exactly what to do:
The moment damage occurs report it right away. Do not think about it for a few days. Do not wait to see how bad it gets. Early reporting is critical and any unnecessary delay can complicate your claim.
Inform your nearest Horticulture Department office about the damage. Give them your name, your MBBY registration number, the crop affected, the approximate acreage damaged, and what event caused the damage. The department will register your complaint and initiate the field survey process.
An official survey committee will visit your field to assess the damage. This assessment happens at the individual field level — your specific field is surveyed directly by the team. This is genuinely important because it means your compensation reflects what actually happened on your land — not some averaged estimate across a larger area that may bear no relation to the damage you actually suffered. The team will assess the percentage of damage and categorise it as 25, 50, 75, or 100 percent based on what they see.
After the field survey and official assessment are completed the calculated compensation amount is transferred directly into your registered Aadhaar-linked bank account. No cash. No intermediary. Straight to your account based on the damage category determined during the survey.
For MBBY registration:
- Aadhaar Card
- Parivar Pehchan Patra PPP Family ID
- Meri Fasal Mera Byora MFMB registration ID and crop details
- Land records — Jamabandi or Khasra confirming the crop area
- Aadhaar-linked bank account passbook
- Registered mobile number linked to Aadhaar
- Passport size photograph
For claim filing additionally:
- MBBY registration confirmation number
- Details of the calamity — what happened, when, and how it damaged the crop
- Photographs of the damaged crop taken as soon as possible after the event
Register early in the season — never leave it to the last few days before the deadline. Make sure your Meri Fasal Mera Byora details are fully updated before enrolling in MBBY. Report crop damage immediately when it happens — do not wait. Be accurate about your acreage during registration. The scheme is optional but for any farmer investing seriously in horticulture the Rs. 750 or Rs. 1,000 per acre premium is genuinely small compared to the protection it provides against losing everything. Never pay any agent for help — registration is free at mbby.hortharyana.gov.in except for the actual premium you pay for coverage.
Contact | Details |
Official MBBY Portal | |
MFMB Portal | |
Department Website | |
Department | Horticulture Department, Haryana |
SARAL Helpline | 0172-3968400 Monday to Saturday 8am to 8pm |
The Mukhyamantri Bagwani Bima Yojana or MBBY is a horticulture crop insurance scheme approved by the Haryana State Cabinet on 22 September 2021 and implemented by the Department of Horticulture Haryana. It provides financial compensation to horticulture farmers for crop losses caused by natural disasters and adverse weather including hailstorms, frost, floods, storms, fire, and extreme temperatures. The scheme covers 46 horticulture crops. Farmers pay only 2.5 percent of the insured amount — Rs. 750 per acre for vegetables and spices and Rs. 1,000 per acre for fruits — and can receive compensation of up to Rs. 30,000 and Rs. 40,000 per acre respectively.
The farmer pays Rs. 750 per acre for vegetables and spices and Rs. 1,000 per acre for fruits. The maximum compensation is Rs. 30,000 per acre for vegetables and spices and Rs. 40,000 per acre for fruits for 100 percent crop loss. For partial losses compensation is paid at 25, 50, or 75 percent of the maximum depending on actual damage assessed during the individual field survey.
The scheme covers 46 crops — 23 vegetables including tomato, onion, potato, capsicum, bhindi, cauliflower, and others; 21 fruits including mango, guava, kinnow, lychee, pomegranate, grapes, strawberry, and others; and 2 spices — garlic and ginger. Always verify the current complete list at mbby.hortharyana.gov.in.
No. The scheme is completely optional. No farmer is forced to enroll. But given that the premium is just Rs. 750 or Rs. 1,000 per acre and the protection against total crop loss goes up to Rs. 30,000 or Rs. 40,000 per acre the financial logic for enrolling is extremely strong for any farmer who is serious about their horticulture investment.
After a crop damage event is reported an official survey team visits your field and assesses damage at the individual field level. The team categorises the damage as 25, 50, 75, or 100 percent and compensation is paid proportionally against the maximum insured amount. The money goes directly into your registered bank account after assessment.
Register online at mbby.hortharyana.gov.in using your mobile number, PPP Family ID, or MFMB ID. Make sure your crop details are fully updated on the Meri Fasal Mera Byora portal at fasal.haryana.gov.in first. The 2025 deadline was extended to 31 July 2025. Register as early as possible — never wait for the deadline to approach.