Pashu Bima Yojana

Pashu Bima Yojana is a state livestock insurance scheme of the Bihar government, run by the Directorate of Dairy Development, to protect dairy farmers from financial loss when cattle die due to disease, accident or natural causes. Under the current 2026 guidelines, the state government bears 85% of the insurance premium, so the farmer has to pay only the remaining 15%.

Applications for Pashu Bima Yojana are open online through the official portal of the Directorate of Dairy Development at dairy.bihar.gov.in. Insured milch animals get a data ear tag for identification, and the insurance cover remains valid for one to three years depending on the option chosen by the farmer.

Pashu Bima Yojana - Introduction

Livestock is a main source of income for many rural families in Bihar. A milch animal gives daily income from milk, so its sudden death from Lumpy Skin Disease, HSBQ or any other cause can push a family into money problems. Pashu Bima Yojana covers this risk by paying the insured amount to the family, so that the loss of an animal does not end a farmer's income.

This scheme is mainly for dairy farmers who are members of the Milk Producer Cooperation Committee. District Dairy Development Officers look after the rollout across all districts of Bihar. Insurance cover can be taken for a one-year, two-year or three-year term, and a family can insure up to 10 livestock units.

Pashu Bima Yojana is a state-level scheme for individual farmers of Bihar. It comes under the Agriculture, Rural and Environment and Banking, Financial Services and Insurance categories and gives cash benefit through the insurance company.

Key Details

Benefits

This scheme gives strong support to dairy farmers by cutting the cost of animal insurance. The state government pays a large part of the premium, so even small farmers can insure their cattle easily.

The insurance company fixes a data ear tag on each insured animal, and the cover stays valid for one to three years. Farmers who keep fewer than 10 animals get priority under the scheme. Day-to-day safety and care of the cattle remain the responsibility of the farmer.

Eligibility

1. The applicant must be a farmer of Bihar who owns milch cattle.
2. The applicant should be a member of the Milk Producer Cooperation Committee, which means the farmer must be registered with the local dairy cooperative.
3. The milch cattle must be healthy and certified by a veterinary doctor at the time of insurance.
4. A family can insure up to 10 livestock units, and priority is given to small farmers with fewer than 10 animals.

Application Process

Online application for Pashu Bima Yojana is easy and can be done through the official Dairy Development portal. Steps are given below.

STEP 1 - Visit the official portal at dairy.bihar.gov.in and open the application or login section. Fill in the full name, father's or husband's name, date of birth, gender and district of the applicant, and enter the valid Aadhaar number.

STEP 2 - Enter the active mobile number and verify it with the OTP sent to the phone. Once the OTP is entered, the registration form is submitted and a password is sent to the mobile number for future logins.

STEP 3 - Log in with the registered mobile number and password. Basic details will appear automatically. Fill in the occupation and qualification details of the proposer, upload the Milk Producer Society membership receipt and a passport-sized photograph, and click Submit.

Documents

Keep the following documents ready before starting the online application so that the form can be submitted without any delay.

• Aadhaar card of the applicant.
• Valid Milk Producer Society membership receipt.
• Recent passport-sized photograph of the proposer.
• Bank passbook details for receiving the claim amount.
• Photo of the animal and animal identification or tagging details.

Animals Covered

Under the current scheme, insurance can be taken for many types of livestock apart from milch cattle.

• Cow, buffalo, goat and sheep.
• Pig, horse, donkey and mule.
• Camel and yak.

References

For the latest details and online application, visit the official department portal: Directorate of Dairy Development, Bihar official website.

Official scheme guideline PDF for 2025-26 is available here: Pashu Bima Yojana guideline PDF.

FAQ's

What is Pashu Bima Yojana?

Pashu Bima Yojana is a state livestock insurance scheme of the Bihar government, run by the Directorate of Dairy Development, to protect dairy farmers against financial loss from cattle death.

How much premium subsidy is given under the scheme in 2026?

Under the 2026 updates, the state government pays 85% of the insurance premium and the farmer pays the remaining 15%.

What is the maximum insurance cover per animal?

As per the latest scheme updates, the maximum insurance cover is up to ₹50,000 per animal.

Which animals can be insured?

Cow, buffalo, goat, sheep, pig, horse, donkey, mule, camel and yak can be insured under the scheme.

How many animals can a family insure?

A family can insure up to 10 livestock units. Priority is given to small farmers with fewer than 10 animals.

How long does the insurance cover remain valid?

The cover can be taken for one year, two years or three years, and the three-year term gets priority.

How can a farmer apply online?

A farmer can apply online through the official portal dairy.bihar.gov.in by registering with Aadhaar and mobile number OTP, then logging in and submitting the application form.

Which department runs the scheme?

Directorate of Dairy Development, Government of Bihar runs the scheme, and District Dairy Development Officers handle implementation at the district level.

Are only healthy animals eligible for insurance?

Yes, the animal must be healthy and must have a fitness certificate from a qualified veterinary doctor at the time of insurance.