KCC and Fasal Bima claim status: fix delays — citizen guide 2026

Wondering why your Fasal Bima claim is still pending in 2026? Check your PMFBY claim status on pmfby.gov.in using your policy ID or Aadhaar, and check your Kisan Credit Card application status at the issuing bank branch. Most stuck claims trace to one fixable cause: the bank never uploaded your policy, a premium debit failed, or your land record did not match. This page shows you how to read the status and unblock it.

The Kisan Credit Card (KCC) gives farmers short-term crop credit and allied-activity loans through banks. Pradhan Mantri Fasal Bima Yojana (PMFBY) is the central crop-insurance scheme that pays out when an insured crop is damaged. KCC borrowers are commonly enrolled into PMFBY for the season, so the two are often linked on the same loan account. This page is about checking their status, not applying.

PMFBY is administered by the Department of Agriculture and Farmers Welfare (DA&FW) under the Ministry of Agriculture and Farmers Welfare, and is delivered through the national portal pmfby.gov.in and empanelled insurance companies. The KCC scheme model was prepared by NABARD; cards are issued by your lending bank (a commercial bank, regional rural bank, or cooperative bank), and the Reserve Bank of India and NABARD monitor it.

Eligibility, in short. KCC is for landholding farmers, tenant farmers and sharecroppers with valid records, and allied-activity operators such as dairy and fisheries. PMFBY is open to both loanee farmers (through KCC) and non-loanee farmers who enrol directly. For premium rates and how to apply, see our sibling guides linked below. Farmer-share premium is broadly 2% of sum insured for Kharif food and oilseed crops, 1.5% for Rabi, and up to 5% for annual commercial and horticultural crops.

Your RTI right. A government scheme delivered by public authorities and publicly funded insurers must answer for the status of your file. Under the Right to Information Act 2005, Section 6(1), you can ask the agriculture department, the bank, or the insurer for the processing status, the surveyor or loss-assessment report, and the reason for any delay. Under Section 7(1) the Public Information Officer must reply within 30 days. If no reply comes, Section 19(1) gives you a first appeal.

A. Check your KCC application status (at the bank).

1. Go to the bank branch where you applied, or log in to that bank's net banking or mobile app.
2. Quote your application reference, account number, or registered mobile number.
3. Ask for the current stage: received, under appraisal, sanctioned, card issued, or rejected.
4. If it is stuck, ask in writing for the pending document or reason, and keep the acknowledgement.

B. Check your PMFBY application status (on the portal).

1. Open pmfby.gov.in.
2. Click Application Status.
3. Enter your application number (receipt number from enrolment), then submit.
4. The portal shows whether the policy is received, under verification, approved, or rejected.

C. Check your PMFBY claim status (on the portal).

1. On pmfby.gov.in, open Farmer Corner and choose Know Your Claim Status.
2. Enter your policy ID or Aadhaar number and submit.
3. Read the latest update the insurer has posted against your policy.
4. You can also use the official Crop Insurance App (Application Status) or visit a Common Service Centre (CSC) if you have no internet.

D. If a crop loss is involved, intimate it first.

1. For a localised loss (hailstorm, landslide, inundation, fire) or post-harvest loss, report within 72 hours through the Crop Insurance App, the bank, the agriculture officer, or the helpline.
2. Toll-free 14447 (KrishiRakshak Portal and Helpline) or WhatsApp 7065514447. Note the ticket or docket number, then track it under claim status.

• Application or receipt number (KCC and PMFBY enrolment).
• Policy ID, or Aadhaar number linked to the policy.
• Bank account number and the registered mobile number.
• Land records (khasra, khatauni, or pahani) and the sown-crop details.
• For a loss: date of incident, cause, affected area, and the docket or ticket number from intimation.

The state shown on the portal usually maps to one of these. If you cannot confirm the exact label, treat the meaning, not the wording, as the guide.

If a rejection looks wrong, the scheme provides an appellate route through the District Grievance Redressal Committee (DGRC) and the State Grievance Redressal Committee (SGRC). An RTI reply giving the recorded reason makes that appeal far stronger.

To,
The Public Information Officer,
[District Agriculture Office / Lending Bank Branch / PMFBY Insurance Company]
[Full address]

Subject: Information under the Right to Information Act 2005 regarding my
PMFBY crop-insurance claim / KCC application status

Sir / Madam,

Under Section 6(1) of the Right to Information Act 2005, I request the
following information about my account:

Name: __________   Policy ID / Application No.: __________
Aadhaar (last 4 digits): ______   Season and crop: __________
Bank account no.: __________   Village / District: __________

1. The current processing status of my application / claim, with dates.
2. Whether the premium was debited from my account, and on which date.
3. Whether my policy was uploaded to the PMFBY portal, and on which date.
4. A copy of the surveyor or loss-assessment report for my claim.
5. The recorded reason for any rejection or delay.
6. The expected date of payment, if the claim is approved.

I am ready to pay the prescribed fee. As per Section 7(1), kindly provide
the information within 30 days. If it is not provided, I will exercise my
right of first appeal under Section 19(1).

Signature: __________
Name and address: __________
Date: __________

Open pmfby.gov.in, go to Farmer Corner, choose Know Your Claim Status, and enter your policy ID or Aadhaar number. The portal shows the latest update the insurer has posted.

It usually means the insurer has no policy against your details. The common cause is that your bank did not upload your enrolment to the portal, or the premium debit failed. Ask the bank for the debit proof and the upload date.

KCC has no single national status portal. Ask the issuing bank branch, or use that bank's net banking or app, quoting your application reference, account number, or registered mobile number.

Get the debit proof from your bank and ask, in writing, for the policy upload date. If you get no clear answer, file an RTI with the bank under Section 6(1) for the debit date and upload date.

For localised and post-harvest losses, report within 72 hours through the Crop Insurance App, your bank, the agriculture officer, or the helpline 14447. Keep the ticket or docket number to track the claim.

Yes. Read the recorded reason, then appeal to the District Grievance Redressal Committee (DGRC), and onward to the State Grievance Redressal Committee (SGRC). An RTI reply stating the reason strengthens your appeal.

Yes. Under Section 6(1) you may ask the agriculture department, the bank, or the insurer for the processing status, the surveyor report, and the reason for delay. They must reply within 30 days under Section 7(1).

The toll-free KrishiRakshak Portal and Helpline number is 14447. You can also use the WhatsApp number 7065514447 to report a crop loss and raise queries.

• PMFBY portal: https://pmfby.gov.in/
• Department of Agriculture and Farmers Welfare: https://agriwelfare.gov.in/
• Ministry of Agriculture and Farmers Welfare: india.gov.in
• NABARD: https://www.nabard.org/

• Kisan Credit Card: what it is and how to apply
• PM Fasal Bima Yojana explained
• Apply for PMFBY Fasal Bima Yojana 2026
• The RTI Act 2005: full text
• File an RTI online (rtionline.gov.in)
• The RTI Playbook