प्रधानमंत्री पिक विमा योजनेची वैशिष्ट्ये खालीलपैकी कोणती आहेत ?
a. या योजनेची अंमलबजावणी 1 एप्रिल 2016 पासून करण्यात आली.
b. या योजनेंतर्गत योजनेत समाविष्ट झालेल्या एखाद्या विशिष्ट गावातील शेतकऱ्यांच्या पिकाचे नुकसान झाले तर त्याला नुकसान भरपाई मिळू शकत नाही.
c. या योजनेतील सहभागी शेतकऱ्यांना पिकाचे नुकसान झाल्यास नुकसान भरपाईची रक्कम त्याच्या बँक खात्यावर जमा होते.
d. या योजनेच्या मार्गदर्शक सूचनेनुसार शेतकऱ्यांनी संबंधित पिकाचा विमा उतरविला असेल व त्या पिकाचे नुकसान झाले तर 24 तासात नुकसानीचा अहवाल देणे आवश्यक आहे.

The correct answer is Option A (Statement a and c).

Key Points:
• Pradhan Mantri Fasal Bima Yojana (PMFBY): Launched to provide financial support to farmers suffering crop loss/damage arising out of unforeseen events.
• Implementation (Statement a): The scheme was approved by the Cabinet in January 2016 and its operational implementation officially began from the Kharif season of 2016, which aligns with 1st April 2016. Thus, 'a' is correct.
• Coverage Benefit (Statement b): The core purpose of the scheme is to provide insurance benefits to farmers facing crop damage. Denying benefits when damage occurs completely contradicts the scheme's purpose. PMFBY operates on an "Area Approach" but also covers individual localized calamities. Statement 'b' is false.
• Direct Benefit Transfer (Statement c): Under PMFBY, all claim payouts are seamlessly electronically transferred directly into the insured farmer's linked bank account. Thus, 'c' is correct.
• Intimation Timeline (Statement d): According to the PMFBY operational guidelines, farmers must report localized crop loss or post-harvest damage to the insurance company or agriculture department within 72 hours of the event, not 24 hours. Thus, 'd' is false.
• Conclusion: Only statements 'a' and 'c' are valid characteristics of the scheme.
• Key Takeaway: PMFBY started in Kharif 2016 (April 1). Claim amounts go directly to bank accounts. Farmers have 72 hours (not 24) to report localized crop loss.