🛡️ IBPS AFO Interview — Income Support & Crop Insurance
IBPS AFO interview scheme questions: PM-KISAN 22 instalments and ₹3.45 lakh crore disbursed, PMFBY 2%/1.5%/5% premiums, RWBCIS weather triggers, and 3.3 lakh PMKSK centres.
PM-KISAN — Updated Data (2025-26 Cycle)
Pradhan Mantri Kisan Samman Nidhi
| Parameter | Detail |
|---|---|
| Annual benefit | ₹6,000 per farmer family |
| Payment structure | 3 instalments of ₹2,000 each (every 4 months) |
| Instalments released (by March 2026) | 22 instalments |
| Total disbursed | ~₹3.45 lakh crore+ |
| Beneficiaries | ~11 crore farmer families |
| Payment channel | Direct Benefit Transfer (DBT) to Aadhaar-seeded bank accounts |
| Administered by | Ministry of Agriculture & Farmers' Welfare |
Eligibility: Landholding farmer families. Excludes: institutional landholders, income taxpayers, current/former government employees above certain grade, professionals (doctors, engineers, lawyers).
AFO field question: "A farmer says he did not receive his PM-KISAN instalment — what do you do?" → Check Beneficiary Status on PM-KISAN portal → verify Aadhaar-bank seeding → contact local agriculture department if data mismatch.
PMFBY — Updated Premium & Mechanics
Pradhan Mantri Fasal Bima Yojana (launched 2016)
Premium Structure
| Crop Category | Farmer's Premium | Government Subsidy |
|---|---|---|
| Kharif crops | 2% of Sum Insured | Remaining (govt pays bulk) |
| Rabi crops | 1.5% of Sum Insured | Remaining |
| Annual commercial / horticultural crops | 5% of Sum Insured | Remaining |
Actuarial premium is paid to insurance companies; farmer pays only the capped amount — government makes up the difference.
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PM-KISAN — Updated Data (2025-26 Cycle)
Pradhan Mantri Kisan Samman Nidhi
| Parameter | Detail |
|---|---|
| Annual benefit | ₹6,000 per farmer family |
| Payment structure | 3 instalments of ₹2,000 each (every 4 months) |
| Instalments released (by March 2026) | 22 instalments |
| Total disbursed | ~₹3.45 lakh crore+ |
| Beneficiaries | ~11 crore farmer families |
| Payment channel | Direct Benefit Transfer (DBT) to Aadhaar-seeded bank accounts |
| Administered by | Ministry of Agriculture & Farmers' Welfare |
Eligibility: Landholding farmer families. Excludes: institutional landholders, income taxpayers, current/former government employees above certain grade, professionals (doctors, engineers, lawyers).
AFO field question: "A farmer says he did not receive his PM-KISAN instalment — what do you do?" → Check Beneficiary Status on PM-KISAN portal → verify Aadhaar-bank seeding → contact local agriculture department if data mismatch.
PMFBY — Updated Premium & Mechanics
Pradhan Mantri Fasal Bima Yojana (launched 2016)
Premium Structure
| Crop Category | Farmer's Premium | Government Subsidy |
|---|---|---|
| Kharif crops | 2% of Sum Insured | Remaining (govt pays bulk) |
| Rabi crops | 1.5% of Sum Insured | Remaining |
| Annual commercial / horticultural crops | 5% of Sum Insured | Remaining |
Actuarial premium is paid to insurance companies; farmer pays only the capped amount — government makes up the difference.
What Is Covered
- Natural calamities (flood, drought, cyclone, hailstorm)
- Pests and diseases
- Post-harvest losses within 14 days of harvest (cyclone, unseasonal rain)
- Localised risks: hailstorm, landslide, inundation (assessed individually, not at district level)
What Is NOT Covered
- War, nuclear risk
- Wilful negligence
- Theft or damage due to negligence
2025 Updates
- Voluntary enrolment for all farmers (was compulsory for loanee farmers until 2020)
- Digital/AI-based yield estimation replacing traditional Crop Cutting Experiments (CCEs)
- Faster claim settlement — within 30 days of yield data availability
- AIDE app — used by field inspectors for damage documentation
- Drone surveys now used for large-scale crop damage assessment
AFO Role in PMFBY
- Ensure KCC-linked farmers are enrolled during loan sanction
- Help farmers submit crop loss intimation within 72 hours of disaster event
- Verify that insurance premium is deducted from KCC account at correct rates
RWBCIS — Weather-Based Insurance
Restructured Weather Based Crop Insurance Scheme
Unlike PMFBY (which compensates yield loss), RWBCIS compensates based on weather parameter deviations from defined thresholds.
| Feature | RWBCIS |
|---|---|
| Trigger | Weather deviation (temperature, rainfall, humidity) |
| No field visit required | Automated payout based on weather station data |
| Faster payout | No need to wait for yield data |
| Limitation | Basis risk — weather station data may not reflect individual farm conditions |
PM Kisan Samridhi Kendra (PMKSK)
Rebranded fertiliser retail outlets converted into one-stop-shop centres for farmers.
Services available at PMKSK:
- Fertilizers, seeds, pesticides
- Soil testing and seed testing services
- Information on Custom Hiring Services
- Enrolment for PM-KISAN, SHC, PMFBY
- Soil Health Card distribution
Scale: 3.3+ lakh PMKSK centres operational across India.
AFO note: PMKSKs are first-contact points for farmers before they approach the bank. Understanding what services are available here helps AFO refer farmers appropriately.
PMKSY — Water & Irrigation
Pradhan Mantri Krishi Sinchayee Yojana
| Component | Focus |
|---|---|
| Accelerated Irrigation Benefits Programme (AIBP) | Complete ongoing major/medium irrigation projects |
| Har Khet Ko Pani | Extend irrigation coverage to unirrigated land |
| Per Drop More Crop | Promote micro-irrigation (drip, sprinkler) |
| Watershed Development | Soil/water conservation |
Per Drop More Crop: Subsidises drip and sprinkler irrigation systems. Reduces water use by 40–70% compared to flood irrigation.
AFO link: Farmers with drip irrigation systems qualify for better credit terms — lower crop loss risk, higher yields, better repayment capacity.
Key Numbers Cheat Sheet
| Scheme | Key Figure |
|---|---|
| PM-KISAN instalment count (March 2026) | 22 |
| PM-KISAN annual benefit | ₹6,000 (3 × ₹2,000) |
| PMFBY Kharif premium | 2% of SI |
| PMFBY Rabi premium | 1.5% of SI |
| PMFBY commercial premium | 5% of SI |
| PMKSK centres | 3.3+ lakh |
For current affairs and the broader schemes landscape (RKVY, eNAM, AIF, PMKSY), see Government Schemes & Current Affairs. For the KCC-PMFBY linkage and AFO role in insurance enrolment, see KCC, PSL & Rural Credit Delivery. Practice recall of scheme data with IBPS AFO mock tests. PM-KISAN instalment releases and PMFBY updates are announced via www.ibps.in and the Ministry of Agriculture portal.
Frequently Asked Questions
Q: What PM-KISAN questions are asked in the IBPS AFO interview? Panels ask: annual benefit amount (₹6,000 in 3 instalments of ₹2,000), total instalments released (22 by March 2026), total disbursed (~₹3.45 lakh crore+), beneficiary count (~11 crore families), and eligibility exclusions (income taxpayers, institutional landholders, senior government employees). A common field scenario: "A farmer says he didn't receive his PM-KISAN instalment — what do you do?"
Q: What is PMFBY and what are the premium rates farmers pay? Pradhan Mantri Fasal Bima Yojana was launched in 2016 and replaced NAIS and mNAIS. Farmers pay 2% of sum insured for Kharif crops, 1.5% for Rabi crops, and 5% for annual commercial/horticultural crops. The government pays the remaining actuarial premium. Since 2020, enrolment is voluntary for all farmers. AFOs must ensure KCC-linked farmers are enrolled and help them submit crop loss intimation within 72 hours of a disaster.
Q: What is the difference between PMFBY and RWBCIS in IBPS AFO interviews? PMFBY compensates for yield loss based on crop cutting experiments and field assessment — it requires on-ground verification. RWBCIS compensates based on weather parameter deviations (temperature, rainfall, humidity) from automated weather stations — no field visit is needed and payouts are faster. The limitation of RWBCIS is basis risk: weather station data may not reflect conditions at the individual farm level.
Q: What is PM Kisan Samridhi Kendra and what is its relevance for AFOs? PMKSKs are rebranded fertiliser retail outlets converted into one-stop-shops offering fertilizers, seeds, pesticides, soil testing, information on Custom Hiring Services, and enrolment for PM-KISAN, SHC, and PMFBY. Over 3.3 lakh PMKSK centres are operational across India. For AFOs, PMKSKs are first-contact points for farmers — understanding their services helps AFOs refer farmers appropriately before they reach the bank.