PM Fasal Bima Claim Status Check 2026 (Why Is Your Crop Insurance Stuck?)

Reviewed on: 2026-06-19.

Pradhan Mantri Fasal Bima Yojana is India's flagship crop insurance scheme, run by the Ministry of Agriculture and Farmers Welfare through empanelled insurance companies. When things go right, a settled claim reaches the farmer's Aadhaar-linked bank account without the farmer filing any paperwork after enrolment. When things go wrong, the farmer is often the last to know.

The claim journey has several handoff points, and a failure at any one of them can silently stall your payment:

• Enrolment stage: Your bank or Common Service Centre enrols you before the cut-off date and deducts the farmer's share of the premium. If the enrolment data had an error - wrong Aadhaar, wrong bank account number, wrong crop - the policy may appear in the system but the payout will fail.
• Crop loss intimation: For localised calamities such as hailstorm, landslide, or inundation, the farmer must intimate the loss directly to the insurance company or through the portal or helpline within the timeframe stated in your policy document (check with your insurance company, as this window is set per season per notification). Failure to intimate within that window can lead to rejection.
• Crop Cutting Experiment (CCE): For widespread yield loss - the most common type of claim - the settlement depends on the state government conducting CCEs across notified Insurance Units. Until the state submits the yield data to the insurance company, the claim cannot be calculated. Delays in CCEs are the single biggest reason claims remain pending for months.
• Subsidy release: The insurance company settles the farmer's claim only after receiving the government subsidy (state and central shares of the premium). Delays in subsidy release from the state government can further postpone payouts even after yield data is ready.
• Bank account mismatch: The payout is transferred to the Aadhaar-seeded bank account linked at the time of enrolment. If the account has since changed, is closed, or has an Aadhaar seeding error, the amount will be returned and the farmer will not receive any notification automatically.

Understanding which stage your claim is stuck at is the first step to resolving it.

Method 1: Online - pmfby.gov.in portal

1. Open pmfby.gov.in on any browser.
2. On the homepage, look for the “Farmer Login” or “Application Status” link.
3. Enter your registered mobile number and the OTP sent to it.
4. Once logged in, navigate to Application Status and select the relevant season and year.
5. Your application details, premium paid, policy status, and claim stage will be displayed.

If you enrolled through a bank branch (loanee farmer) rather than self-registration, ask your bank branch to log in with the bank credentials and show you the application record. The bank holds the enrolment slip that carries your application number.

Method 2: Call the Krishi Rakshak Portal Helpline

The Ministry of Agriculture and Farmers Welfare runs the Krishi Rakshak Portal and Helpline (KRPH) at 14447. You can call this number to:

• Check the current status of your application or claim.
• Report a crop loss or localised calamity.
• Raise a grievance about a delayed or rejected claim.
• Find out which insurance company is handling your notified crop and area.

Keep your application number or Aadhaar number ready when you call.

Method 3: Contact your bank branch or Common Service Centre

If you enrolled through a bank, the bank branch has access to the PMFBY portal and can look up your application using your account number. If you enrolled through a Common Service Centre (CSC), the CSC operator can similarly retrieve your application status. This is the easiest path for loanee farmers who did not self-register.

Method 4: Contact the empanelled insurance company directly

Each crop and area is covered by a specific insurance company, notified by the state government for that season. The company's toll-free number should appear on page 1 of your policy certificate. If you no longer have the policy certificate, ask your bank branch or the District Agriculture Office which company covers your crop and district this season.

If your status has not moved from “Policy issued” or “Under assessment” for more than three months after the harvest, the likely cause is a pending CCE or subsidy release delay. Contact the District Agriculture Office to ask when the CCE results for your Insurance Unit were submitted.

Your share of the insurance premium is capped by the scheme guidelines. The maximum a farmer pays is:

• Kharif crops: up to 2% of the sum insured.
• Rabi crops: up to 1.5% of the sum insured.
• Annual commercial and horticulture crops: up to 5% of the sum insured.

The difference between the actual actuarial premium and your capped share is subsidised equally by the central and state governments. The sum insured per hectare is fixed by the state government for each notified crop and area in the seasonal notification - verify the current figure on pmfby.gov.in or with the District Agriculture Office, as it varies by season and state.

• Late intimation for localised calamity: The farmer did not inform the insurance company within the prescribed window after a localised event such as hailstorm or flooding.
• Non-notified crop or area: The crop you grew or the village where you farm was not included in the seasonal notification for that year.
• Incorrect crop declared at enrolment: The crop entered by the bank or CSC at the time of enrolment does not match what you actually cultivated.
• CCE yield above threshold: Crop cutting experiments showed that the average yield in your Insurance Unit did not fall below the threshold yield needed to trigger a payout.
• Premium not realised: If your bank did not successfully debit and upload the premium, the policy was not activated.
• Duplicate enrolment: If the same land parcel was enrolled more than once, the system may have flagged one or both applications for review.

If your claim was rejected, request the rejection reason in writing from the insurance company. That reason determines whether you can challenge it and through which route.

1. Check your Aadhaar-linked bank account statement for any credit in the past 90 days labelled with PMFBY, your insurance company name, or a government transfer description.
2. Visit your bank branch with your Aadhaar and ask whether a PMFBY credit was attempted and whether it was returned due to an account mismatch or a closed account.
3. If a mismatch is confirmed, ask the bank to update your Aadhaar seeding and contact the District Agriculture Office or the insurance company to reprocess the payment.
4. Call the Krishi Rakshak helpline at 14447 and report the non-receipt along with your application number; they can escalate to the insurance company for re-transfer.

This situation - claim approved but payment not reaching the farmer - is the most common type of complaint and is almost always resolvable through the bank account correction route.

If you took a crop loan from a bank, you were automatically enrolled under PMFBY unless you opted out in writing. Log in to pmfby.gov.in with your mobile number or ask your branch to look up your account. The application record will show whether a policy was issued and which crop and area is covered.

This happens when the bank deducted the premium but did not complete the upload to the PMFBY portal within the cut-off date. Contact your bank branch manager and ask them to check whether the data was uploaded. If the upload missed the deadline, the premium should be refunded to your account. You can verify this on the portal or by calling 14447.

Yes. Insurance company changes apply prospectively - they affect new enrolments for the new season. If you were enrolled under the previous company for the past season's crop, your claim is handled by that company. The District Agriculture Office can confirm which company is responsible for claims from the season in question.

PMFBY covers yield loss from natural calamities, pests, and diseases that are notified by the state government. Pure pest attacks are generally covered if they result in a widespread yield shortfall across the Insurance Unit and are reflected in the CCE results. Isolated pest damage on a single field without a corresponding area-wide yield drop may not trigger a settlement, as payouts are calculated at the Insurance Unit level, not the individual plot level.

Non-loanee farmers can self-enrol through pmfby.gov.in, through a Common Service Centre, or through the bank where you hold a savings account. Enrolment must be completed before the cut-off date announced in the state's seasonal notification - typically 31 July for Kharif and 31 December for Rabi. After the cut-off, the portal closes enrolment for that season and no applications are accepted.

You can call the Krishi Rakshak helpline at 14447 and provide your Aadhaar or mobile number to get a verbal update. The portal itself requires a mobile OTP login, so you will need access to the mobile number you registered with. If you have lost access to that mobile number, visit the District Agriculture Office or your bank with your Aadhaar to update the registered number.

You can raise a grievance with the insurance company in writing, citing the official yield data published by the state for your Insurance Unit and the sum insured in your policy. If the insurance company does not respond or the response is unsatisfactory, you can approach the State Crop Insurance Grievance Redressal Committee. Filing an RTI to obtain the yield data and the settlement calculation is also a practical first step.

PM-KISAN offers a direct beneficiary-facing status portal and processes individual cash transfers in instalments. PMFBY, by contrast, does not process individual claims - it settles claims at the Insurance Unit level based on area yield data, then distributes to all enrolled farmers in that unit. This means PMFBY status checks are more complex and often depend on the state's CCE data being ready, which is why the portal shows a stage-level status rather than a rupee amount until the yield data is submitted.

File an RTI to: the District Agriculture Officer or State Agriculture Department and the empanelled insurance company

Useful questions to ask:

• What is the Insurance Unit-wise yield data submitted for [your crop] in [your district/block] for [season and year], and on which date was it submitted to the insurance company?
• Was an insurance policy issued in the name of [applicant name] with application number [number] for [season and year]? If yes, what is the current claim status and the claim amount calculated?
• If a claim was approved, on which date and to which bank account was the payment transferred? If the payment was returned, what was the reason?
• What is the name and toll-free number of the insurance company notified for [your crop and district] for [season], and what is the total claim amount sanctioned and disbursed to farmers in this district for that season?
• How many crop loss intimations were received from [your block or Insurance Unit] for [season], and how many resulted in approved claims versus rejections?

→ Use our free AI RTI Drafter to generate a complete Section 6(1) application.

If your application was through Kisan Credit Card, the bank branch holds the enrolment record and premium debit details and should also be named as a recipient for the bank-specific questions. Farmers whose Aadhaar is not correctly seeded to their bank account are especially likely to face payment failure, so resolving that linkage should run in parallel with the RTI. Delayed PMFBY settlements compound hardship that may also affect access to PM-KISAN instalments or ration card entitlements - track all pending government dues together while you are at it.

• Pradhan Mantri Fasal Bima Yojana official portal (pmfby.gov.in) - application status, farmer login, Krishi Rakshak helpline 14447, and premium calculator
• PMFBY portal JS bundle - FARMER_MAX_VALUE premium caps: Agriculture Kharif 2%, Rabi 1.5%, Horticulture 5% (verified from site source)

By Dr. Shrawan Kumar Pathak