UP Kamadhenu Pashu Bima Yojana 2026: Latest Scheme, Benefits, Eligibility, Premium, Coverage and How to Apply
The UP Kamadhenu Pashu Bima Yojana has been associated with livestock insurance support for farmers and livestock owners in Uttar Pradesh. However, for 2026, an important update needs to be noted: the Uttar Pradesh Cabinet approved the Mukhyamantri Jokhim Prabandhan Evam Pashudhan Bima Yojana on July 6, 2026, with a ₹60 crore provision for FY 2026–27. The new state scheme provides livestock insurance support, with 85% of the insurance premium borne by the state government and 15% by the beneficiary.
Therefore, the older information about fixed coverage of ₹40,000 per cow, ₹50,000 per buffalo and ₹80,000 for exotic breeds should not be presented as the current 2026 scheme structure without qualification.
| Particulars | Details |
|---|---|
| Scheme Name | Mukhyamantri Jokhim Prabandhan Evam Pashudhan Bima Yojana |
| State | Uttar Pradesh |
| Approved By | Uttar Pradesh Cabinet |
| Approval Date | July 6, 2026 |
| Financial Year | 2026-27 |
| Budget Provision | ₹60 crore |
| Government Premium Share | 85% |
| Beneficiary Share | 15% |
| Target | 2,28,350 livestock |
| Coverage Area | All 75 districts of Uttar Pradesh |
| Main Objective | Financial protection against livestock loss |
| Implementing Department | Livestock and Dairy Development Department, Uttar Pradesh |
The Cabinet-approved scheme targets insurance for 2,28,350 livestock in FY 2026–27. Of these, 1,86,800 animals are planned under the general component and 41,550 under the SCSP component.
The livestock insurance initiative aims to protect farmers, livestock owners and dairy operators from financial losses caused by the death or serious loss of productive capacity of insured animals.
Under the latest 2026 state-approved scheme, insurance support is intended for eligible livestock owned by small and marginal farmers, landless livestock owners, dairy farm operators and other eligible livestock keepers.
The scheme covers losses arising from situations such as epidemics, natural calamities and accidental incidents. The Cabinet decision also provides for claims in cases where an insured animal becomes permanently disabled.
The major objectives are:
The scheme aims to reduce the financial burden on livestock owners when an insured animal dies or becomes permanently unusable.
For many rural households, cattle and other livestock are important sources of income. Insurance can provide a financial safety net against unexpected losses.
The scheme is also intended to encourage livestock rearing and dairy-related economic activities by reducing the financial risks associated with animal ownership.
The programme provides insurance-based protection against specified livestock risks, including death resulting from epidemics, natural calamities and accidents.
The major benefits include:
The Cabinet-approved framework identifies several categories of livestock owners for coverage, including:
Priority is also proposed for animals already covered under state government and dairy-oriented schemes.
Important: The exact animal-wise eligibility conditions, policy period, sum insured and application procedure should be confirmed through the Uttar Pradesh Animal Husbandry and Dairy Development Department before applying.
One of the most important features of the 2026 scheme is the premium-sharing arrangement.
| Premium Component | Share |
|---|---|
| Uttar Pradesh Government | 85% |
| Beneficiary | 15% |
| Total | 100% |
For example, if the applicable insurance premium for an eligible animal is ₹1,000, the government contribution would be ₹850 and the beneficiary contribution would be ₹150.
The actual premium and insurance amount can vary according to the applicable policy and animal category.
Earlier information associated with UP Kamadhenu Pashu Bima Yojana cited ₹40,000 coverage for a cow, ₹50,000 for a buffalo and up to ₹80,000 for certain exotic breeds.
However, the July 2026 Cabinet approval for the Mukhyamantri Jokhim Prabandhan Evam Pashudhan Bima Yojana does not establish these amounts as the universal current 2026 coverage limits in the material available.
Therefore, these figures should not be published as confirmed 2026 coverage amounts unless the applicable government notification or policy document specifically confirms them.
Applicants should keep commonly required livestock-insurance documents ready, such as:
The final document list should be confirmed with the concerned veterinary office or official department portal before submission.
The application process should be completed through the Uttar Pradesh Animal Husbandry and Dairy Development Department or the designated veterinary/departmental channel.
Contact the nearest government veterinary hospital or the concerned Animal Husbandry Department office.
Officials can verify whether the applicant and livestock qualify under the applicable insurance programme.
The animal may need veterinary examination and identification/ear-tagging according to the applicable insurance requirements.
Submit the required identity, bank, livestock and eligibility documents.
The beneficiary is required to contribute 15% of the applicable insurance premium, while the state government bears 85%.
After successful processing, the beneficiary should retain the insurance/policy document and other relevant records.
In the event of the death of an insured animal, the beneficiary should immediately inform the concerned veterinary authority and insurer and follow the prescribed claim procedure.
The Cabinet-approved framework provides for a transparent claim process, with the claim amount after an eligible animal’s death to be transferred directly to the beneficiary’s bank account.
For permanent total disability cases, the approved framework provides for a claim of up to 75% of the insured amount, subject to the applicable terms and verification.
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