PMFBY 2026: eligibility, premium, coverage and last date

PMFBY eligibility is decided season by season: the farmer, crop, land and location must fit the notification issued for the participating State or Union Territory. There is no single all-India 2026 last date. Check the current notification before calculating premium or submitting documents, because an old deadline or an unnotified crop cannot create valid cover.

Confirm all of these before applying:

1. the State or Union Territory is participating for the season;
2. the crop is listed in the current season notification;
3. the farm falls inside the notified area or insurance unit;
4. the applicant has the ownership, tenancy, sharecropping or cultivation proof accepted by that State;
5. the application can be completed before the notified cut-off;
6. the same crop and land are not being duplicated through another application.

The scheme is voluntary for farmers. Both loanee and non-loanee farmers should verify what was actually submitted rather than assuming that a crop-loan or Kisan Credit Card entry created correct insurance automatically.

Tenant and sharecropper eligibility depends on the cultivation evidence and enrolment arrangements accepted in the applicable notification. A generic lease letter copied from another State may not be sufficient.

PMFBY applies only to crops and risks covered by the operative notification and scheme guidelines. The framework can include:

• prevented sowing or planting risk for a notified area;
• loss to a standing notified crop from specified non-preventable risks;
• specified post-harvest loss for the permitted period and peril;
• specified localised calamities affecting an insured field;
• widespread yield loss assessed through the notified area approach.

The insurance unit, crop, peril and reporting condition matter. A photograph of field damage does not by itself prove that the event is covered, and a district-wide news report does not replace the farmer's accepted application or required loss intimation.

The official scheme limits the farmer's maximum premium share as follows. The balance of the actuarial premium is subsidised under the scheme, subject to the notification and scheme rules.

These are farmer-share caps, not a list of insured crops. The official portal or season notification supplies the sum insured and confirms whether the crop and area are eligible.

Use this only as a check against the official quote:

Maximum farmer share = notified sum insured × applicable farmer rate

Hypothetical illustration: if a notified Kharif food crop has a sum insured of ₹50,000 for the applicant's insured area, 2% is ₹1,000. If a notified Rabi food crop has the same sum insured, 1.5% is ₹750. For an annual commercial or horticultural crop, 5% of ₹50,000 is ₹2,500.

The actual payable amount and sum insured shown by the official system govern the application. Land area, crop, season, unit and State notification can change the calculation; do not use this illustration as a premium receipt or claim estimate.

There is no one national enrolment deadline for every crop and State. To find the correct cut-off:

1. open pmfby.gov.in;
2. select the current season and location in the relevant farmer or notification area;
3. identify the State notification, notified crop and implementing insurer;
4. read the cut-off that applies to the enrolment channel and farmer category;
5. submit early enough to correct a land, bank or identity mismatch.

Treat dates in an old article, video, advertisement or WhatsApp message as unverified. A deadline for one State, crop or season does not automatically apply to another.

Depending on the current implementation, an eligible farmer may apply through the official PMFBY portal or another authorised channel named in the notification, such as a participating bank, Common Service Centre or authorised intermediary.

1. Confirm the crop, area, insurer and deadline first.
2. Use the farmer and land details that match the accepted records.
3. Review the insured area, sum insured and farmer premium before payment or consent.
4. Obtain an application or acknowledgement number.
5. Save the submitted form, premium receipt and policy record.
6. Verify that the accepted record shows the correct season and crop.

Never pay a person who promises to add an unnotified crop, extend the official deadline or guarantee a claim.

The official application may request identity, bank, land and cultivation records. The exact list differs by State, farmer category and enrolment route. Common categories include:

• Aadhaar or the identity method accepted by the official process;
• bank-account details for premium and claim payment;
• land record or accepted cultivation proof;
• crop, sowing and insured-area details;
• tenancy or sharecropping evidence where applicable;
• mobile number and application photograph, if requested.

Do not upload a full Aadhaar or bank document to a private form. Use only the official PMFBY, bank, CSC or authority channel identified for the scheme.

An application receipt is important, but check that the application was accepted and converted into the correct policy record. Compare the farmer, crop, season, village, insured area, sum insured, premium and insurer.

For application or claim tracking, use the separate PMFBY status-check guide. If approved payment is missing, verify the bank account and Aadhaar/DBT-seeding status. For crop-loss or grievance help, the official Krishi Rakshak Portal and Helpline uses 14447.

1. ask the enrolling channel for the submitted application and acknowledgement;
2. obtain the premium-debit and remittance record from the bank;
3. raise a grievance through PMFBY or 14447 and keep the ticket;
4. ask the district or State agriculture office for the applicable notification;
5. correct the official record through the service that owns it.

RTI can obtain an existing notification, application movement, bank remittance record or public crop-cutting record from the public authority that holds it. RTI does not extend an enrolment deadline or direct an insurer to approve a claim. See the RTI Act guide and State RTI-fee directory.

A farmer must satisfy the current State or Union Territory notification for the season, including the notified crop, area and accepted cultivation proof. Check the operative notification before applying.

No. PMFBY is voluntary for farmers. Check any premium debit and accepted application rather than assuming correct cover was created automatically.

For notified Kharif food and oilseed crops, the farmer's maximum share is 2% of the sum insured.

For notified Rabi food and oilseed crops, the farmer's maximum share is 1.5% of the sum insured.

The maximum farmer share is 5% for notified annual commercial and horticultural crops.

There is no single all-India last date. Use the current season notification for the crop, State or Union Territory and enrolment route shown through the official PMFBY system.

Potentially, when the crop and area are notified and the applicant can provide the cultivation or tenancy evidence accepted in that State's process. Check the current notification.

No. Payment depends on valid cover, the notified risk, required reporting or area-yield assessment, and the claim record. Keep the application, policy and loss-intimation evidence.

• PMFBY official portal: enrolment, notifications and farmer services
• Krishi Rakshak Portal and Helpline
• Department of Agriculture: PMFBY operational guidelines
• PIB, 10 March 2026: farmer premium limits and voluntary status
• PIB, 5 June 2026: PMFBY and 14447 helpline update

Last reviewed: 31 August 2026.