🌿 PMFBY / NSIC / NPS pension insurance

 ✅ What is PMFBY?

PMFBY provides affordable insurance coverage to farmers against crop loss due to natural calamities like drought, flood, pest attacks, and more.

🔹 Key Features:

• Coverage for sowing to post-harvest losses
• Low premium rates:
  • 2% for Kharif crops
  • 1.5% for Rabi crops
  • 5% for commercial/horticultural crops
• Direct benefit transfer (DBT) to farmer accounts
• Covers prevented sowing and mid-season adversity
   
• 📄 Documents Required:
• Aadhaar card
• Land ownership proof / tenancy certificate
• Crop sown details
• Bank account info

 ✅ What is NSIC?

NSIC supports Micro, Small & Medium Enterprises (MSMEs) by providing them with financial, technical, and marketing assistance to promote their growth.

🔹 Key Services:

• Credit support for raw materials & marketing
• Single Point Registration for government tenders
• Exhibitions & trade fairs promotion
• Technical training centers for skill development
• B2B support and tender information
• 
  

📄 Who Can Apply?

• Registered MSMEs
• Startups and growing businesses
• Proprietors, partnerships, and companies

 ✅ What is NPS?

NPS is a government-backed pension scheme for individuals to create a retirement corpus and receive a monthly pension after 60 years of age.

🔹 Benefits of NPS:

• Low-cost, long-term retirement planning
• Partial withdrawals for emergencies
• Tax benefits under 80CCD(1) and 80CCD(1B)
• Open to salaried, self-employed, and businessmen
• Option to choose asset mix (equity, govt bonds, etc.)
   

📄 Documents Needed:

• Aadhaar/PAN card
• Passport-size photo
• Bank details
• Mobile number & email ID