Phosphate Solubilizing Microorganism based Bio-Fertilizer is used to increase the yields of wheat and potato. The Microorganism based Bio-Fertilizer is used due to inoculation of peat based cultures of bacillus polymyxa and pseudomonas striata. The Microorganism based Bio-Fertilizer helps in improving the organic value of the soil. The Phosphate Solubilizing Microorganism based Bio-Fertilizer is formulated with several soil bacteria and fungi, notably species of pseudomonas, bacillus, penicillium, aspergillus etc