This document summarizes a seminar presentation on bio-fertilizers and phosphorus use efficiency. It begins with an introduction discussing the history and importance of bio-fertilizers. It then defines bio-fertilizers and describes different types including nitrogen-fixing and phosphorus-solubilizing microorganisms. The roles of bio-fertilizers in crop production and mechanisms of phosphorus mobilization are explained. Advantages of bio-fertilizers include increased yields, reduced costs and environmental friendliness. National production statistics for bio-fertilizers in India from 2008-2012 are presented, followed by a conclusion on the importance of bio-fertilizers for sustainable agriculture.