PM Fasal Bima Yojana 2026: Premium, Claim Process & Crop Loss Cover

प्रधानमंत्री फसल बीमा योजना 2026: प्रीमियम, दावा और पूरी गाइड

Quick facts: Crop insurance for Kharif + Rabi + commercial crops · farmer premium just 2% (Kharif) / 1.5% (Rabi) / 5% (commercial) · balance paid by govt · portal pmfby.gov.in · helpline 14447 · cut-offs: 31 July Kharif, 31 December Rabi.

For Indian farmers, the margin between a good year and a debt trap is often a single erratic monsoon. Pradhan Mantri Fasal Bima Yojana (PMFBY), launched on 18 February 2016, is the government’s answer — a low-premium crop-insurance scheme that compensates farmers when crops fail due to weather, pests, or natural disasters. Over 50 crore farmer applications have been covered since launch, with claim settlements exceeding ₹1.6 lakh crore.

PMFBY क्या है — What the Scheme Covers

PMFBY protects farmers against:

Yield loss due to weather (drought, flood, hail, cyclone, unseasonal rain, frost, heat wave, fire)
Prevented sowing — if weather prevents sowing at the start of season
Post-harvest losses (for crops stored in the field up to 14 days after harvest)
Localized calamities — hail, landslide, inundation on a specific field

Crops eligible

Kharif: rice, cotton, soybean, maize, arhar, moong, bajra, jowar, etc.
Rabi: wheat, gram, mustard, masur, potato, barley, etc.
Commercial + horticultural: sugarcane, banana, potato, onion, apple, turmeric, chilli, cardamom, coffee, grapes, ginger

Each state notifies its eligible crops and insurance units (village, panchayat, block level) before each season.

पात्रता — Who Qualifies

Farmer types covered

Loanee farmers — those with an active KCC / crop loan are automatically enrolled (unless they opt out in writing 7 days before cut-off)
Non-loanee farmers — voluntary enrolment via portal or CSC
Sharecroppers / tenant farmers — with valid land-lease agreement or Aadhaar-linked share document

Land requirements

Any notified crop area (land size isn’t capped — 0.1 hectare to large holdings all eligible)
Land must be in the notified area for that season/crop (check state portal)

प्रीमियम रेट — Farmer’s Premium Share

Farmer pays a small percentage of sum insured; Government pays the rest.

Season	Farmer’s premium	Govt premium (Centre+State)
Kharif (monsoon crops)	2% of sum insured	98% minus farmer
Rabi (winter crops)	1.5%	Balance
Commercial + horticultural	5% (max)	Balance

Example: sum insured ₹60,000 per hectare of paddy (Kharif). Farmer pays ₹1,200/hectare. Total premium (actuarial) may be ₹6,000 — government pays ₹4,800 of it. Farmer keeps ₹60,000 insurance cover.

Sum insured is computed per crop per area based on: – Scale of finance for loanee (usually same as KCC loan amount) – Notified “scale of finance” per hectare for non-loanee

आवश्यक दस्तावेज़ — Documents Required

Aadhaar card (mandatory)
Land records — Khasra/Khatauni / 7-12 / Patta (proves ownership or sharecropping)
Bank passbook (Aadhaar-seeded, for claim payout)
Sowing declaration (declaring which crop is sown)
Lease agreement (for tenant/sharecropper farmers)
For loanee farmers: KCC details (auto-fetched)

आवेदन कैसे करें — How to Apply

For loanee farmers

Auto-enrolment — your bank debits the PMFBY premium from your KCC account around the cut-off date. You don’t need to do anything. To opt out, submit written declaration at bank 7 days before cut-off.

For non-loanee farmers

Option 1: Online via PMFBY portal

Open https://pmfby.gov.in → “Farmer Application” → “Enroll Yourself”
Register with mobile + OTP + Aadhaar e-KYC
Select your state, district, village
Select season, crop, sum insured, area (hectares)
Upload land record + sowing declaration
Pay farmer’s premium online (UPI / net banking)
Download policy acknowledgment

Option 2: CSC or Bank Branch

Visit your nearest CSC or bank with documents
Operator submits on your behalf → pay premium at counter
Receive policy acknowledgment

Option 3: Insurance company’s field agent

Each state appoints specific insurance companies for each season. Their agents visit villages before cut-off dates.

Cut-Off Dates (CRITICAL)

Season	Enrolment deadline
Kharif (June-October crops)	31 July
Rabi (October-March crops)	31 December
Commercial/horticultural	varies by crop (announced by state)

Missing the cut-off = no cover for that season. Apply at the start of the season, not mid-way.

Claim Process — Crop Loss

Localized disaster (hail, landslide, inundation)

Intimate insurance company within 72 hours (via toll-free 14447 or portal)
Joint survey by bank/revenue/insurance team + farmer
Assessment of loss on your specific field
Claim calculated and paid within 30-60 days

Widespread calamity (drought, flood affecting whole area)

State conducts Crop Cutting Experiments (CCE) to determine average yield in each insurance unit
If actual yield < threshold yield (70-80% of normal), claim triggers automatically
Claim = (Threshold yield – Actual yield) × Sum insured per hectare
Payout credited to Aadhaar-linked bank account

Post-harvest loss

For crops left in the field post-harvest (paddy, mustard, etc.), loss by cyclone/unseasonal rain within 14 days of harvest is covered
Intimate within 72 hours of loss event

स्थिति कैसे चेक करें — Check Status

Open https://pmfby.gov.in → “Farmer Application Status”
Enter application number or mobile + OTP
See: – Policy status (active / expired) – Claim status (if any) – Premium payment record

हेल्पलाइन — Official Helpline

Service	Number
PMFBY Farmer Helpline	14447 (toll-free)
PMFBY alt	1800-200-7710
State Agri Dept	varies
Portal	https://pmfby.gov.in

FAQ — Common Questions

I had a KCC loan but switched to another bank. Is PMFBY still active? Your PMFBY is tied to the KCC bank that was enrolled at the start of the season. If you switched banks mid-season, the original bank’s policy remains active for that season. Inform the new bank ahead of the next season’s cut-off.

Can I opt out of PMFBY if I’m a loanee farmer? Yes — submit a written opt-out declaration to your bank 7 days before the cut-off date. Otherwise, you’re auto-enrolled and premium is deducted from your KCC account.

What if my village is not in the notified list? PMFBY is notified per village per crop per season. If your village is not notified for that crop, you’re not eligible that season. Request your State Agriculture Department to notify your area for the next season.

How long does claim payout take? Localized claims: 30-60 days. Widespread calamity claims: 60-120 days (pending Crop Cutting Experiment completion). Many states have speeded this up with digital CCE (remote-sensing, smartphone-based assessment).

Can I insure multiple crops on the same land? Yes — for mixed cropping, register each crop separately with its respective sum insured.

Is PMFBY claim taxable? No — PMFBY claim amounts are exempt from income tax under Section 10 of the Income Tax Act (agriculture income exemption).

Related guides on LabhKosh

🏠 अपनी जमीन का रिकॉर्ड भी देखें Download the bhulekh app — खसरा, खतौनी, भू-नक्शा सब एक जगह।

Last verified: 20 April 2026. Official source: https://pmfby.gov.in