Pradhan Mantri Fasal Bima Yojana (PMFBY) — crop insurance @ 1.5-5% premium (2026)

• All farmers (loanee + non-loanee) growing notified crops in notified areas
• Voluntary; loanee farmers can opt-out on declaration
• Crop notified by State Govt for the season
• Aadhaar mandatory

Compensation: Up to 90% of insured crop loss. Coverage: yield loss (90%), prevented sowing (25%), post-harvest losses (90%). Sum insured: typically Rs 25,000-50,000 per acre, varies by crop.

1. Apply via bank (loanee) or CSC / portal (non-loanee) — pmfby.gov.in for online; cut-off date varies by state + season.
2. Choose crop + acreage — From state-notified list.
3. Pay premium — 1.5-2% (food crops) or 5% (commercial). Govt pays balance.
4. Crop monitored by ATMA / KVK — Random crop-cutting experiments determine yield.
5. On notified loss event — auto-claim — No application needed; insurer auto-pays based on yield data.
6. Claim credited to Aadhaar-linked account — Within 60-90 days of yield assessment.

• Aadhaar
• Bank account (Aadhaar-linked)
• Land record / 7-12
• Sowing certificate (some states)

Claim: 60-90 days post-yield assessment. Payouts may take 6 months total in some seasons.

• Official portal: pmfby.gov.in
• Helpline: PMFBY: 1800-3001-4001

• Premium not paid by cut-off — coverage void; track state cut-off dates carefully.
• Crop not notified — only listed crops in listed villages eligible. Check before sowing.
• Aadhaar not linked to bank — DBT bounces; fix at bank.
• Yield assessment disputed — appeal to DLMC (District Level Monitoring Committee).

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. Name + designation of dealing officer assigned to my file.
3. Reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. Likely date of disbursement / decision.

Auto-fill the PIO + your case: Open the AI RTI Drafter →

More schemes for you: All farmers schemes

Crop-cutting experiments by State Agriculture Univ + insurer. Smartphone app PMFBY-CCE for digital reporting.

Pro-rata: if yield drops 30% below threshold, you get 30% of insured sum.

Notify within 72 hours via app / call insurer. Photo evidence helps.

File RTI to DLMC + state agriculture department.

• All 150 Sarkari Yojanas
• 25 status-check guides
• 30 documents-required checklists
• 25 how-to-apply guides
• 16 rejection-recovery guides
• 10 audience-hub schemes
• 32 helplines + grievance routes
• Full RTI Playbook

• Official portal: pmfby.gov.in
• Issued by: Ministry of Agriculture & Farmers Welfare
• Launched: 2016
• Citizen feedback via %%AwaazRTI%% (composite, identifying details removed)

Last reviewed: 26 April 2026.