Step 1: Understanding the Concept:
Bio-fertilizers are living organisms (bacteria, fungi, cyanobacteria) that enrich soil fertility by adding nutrients naturally, mainly by fixing atmospheric nitrogen.
Step 2: Giving an Example:
Rhizobium is a nitrogen-fixing bacterium that lives symbiotically in the root nodules of leguminous plants and converts atmospheric nitrogen into a usable form for the plant.
Final Answer:
\(\text{Rhizobium}\)