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—pm-fasal-bima-yojana [2026/08/11 02:32] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>metatag-keywords=(PMFBY, Pradhan Mantri Fasal Bima Yojana, crop insurance India 2026, fasal bima claim, kharif rabi insurance, pmfby premium, pmfby apply)
 +metatag-title=(Pradhan Mantri Fasal Bima Yojana PMFBY India 2026)&metatag-description=(Pradhan Mantri Fasal Bima Yojana PMFBY 2026 - verified citizen guide on RTI Wiki, India's independent Right to Information reference. Updated 2026 with latest.)}}
  
 +====== Pradhan Mantri Fasal Bima Yojana (PMFBY) 2026 ======
 +
 +{{ :social:auto:pm-fasal-bima-yojana.png?direct&1200 |Pradhan Mantri Fasal Bima Yojana (PMFBY) 2026 — RTI Wiki}}
 +
 +<WRAP center round info 95%>
 +**Quick Reply:** Pradhan Mantri Fasal Bima Yojana PMFBY 2026 - verified citizen guide on RTI Wiki, India's independent Right to Information reference. Updated 2026 with latest.
 +</WRAP>
 +
 +**Direct answer.** PMFBY gives **comprehensive crop insurance** at minimal premium — **2% for kharif, 1.5% for rabi, 5% for commercial/horticulture**. Government subsidises the rest. Claim within **72 hours** of damage by calling 14447 or via insurance company app. **8 crore farmers** insured per year. **Voluntary since 2020** (was mandatory for KCC loanees earlier). Apply at any **bank** (auto for KCC) or **online at pmfby.gov.in** (non-loanees).
 +
 +===== Quick Answer =====
 +
 +  * **Premium**: 2% (kharif) / 1.5% (rabi) / 5% (commercial/horticulture).
 +  * **Government pays**: rest of the actuarial premium.
 +  * **Claim window**: **72 hours** from damage event.
 +  * **Cut-off**: 31 July (kharif) / 31 December (rabi).
 +  * **Helpline**: **14447** (toll-free).
 +  * **Claim stuck?** [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|🪄 RTI in 60 sec]].
 +
 +===== What is PMFBY =====
 +
 +PMFBY launched **18 February 2016** by Department of Agriculture, MoA&FW. Replaced the earlier National Agriculture Insurance Scheme (NAIS) + Modified NAIS. Operates via empanelled **public + private insurance companies**: AIC, HDFC ERGO, ICICI Lombard, Bajaj Allianz, etc.
 +
 +===== Key benefits =====
 +
 +  * **Low premium for farmer** — 1.5–5% (rest paid by govt).
 +  * **Comprehensive risks** covered:
 +    * **Pre-sowing** — failed sowing due to weather/water shortage
 +    * **Standing crop** — drought, flood, pest, disease
 +    * **Post-harvest** — cyclone/cyclonic rains for cut crops on field
 +    * **Localised calamities** — hailstorm, landslide, inundation
 +  * **Sum insured** = scale of finance × area cultivated (typically ₹15k–60k per acre).
 +  * **Smartphone-based claim** — Crop Insurance App.
 +
 +===== Premium chart (sample for kharif) =====
 +
 +| Crop | Premium (% of sum insured, paid by farmer) |
 +| Paddy / Wheat / Maize / Bajra | 2% |
 +| Cotton (non-cooperative) | 5% |
 +| Horticulture (apple, mango, banana) | 5% |
 +| Commercial crops (sugarcane, etc.) | 5% |
 +| Pulses / Oilseeds | 2% |
 +
 +==== Sum insured ====
 +
 +Calculated as **scale of finance × area**. Example: Wheat scale of finance ₹40,000/ha, you have 2 ha → sum insured ₹80,000. Premium @ 1.5% = ₹1,200 (you pay).
 +
 +===== Who is eligible =====
 +
 +  * **Farmer growing notified crops** in notified area.
 +  * **All farmers**: small, marginal, large; tenant or owner.
 +  * **KCC loanees**: auto-enrolled at sowing (premium debited from KCC account).
 +  * **Non-loanees**: must enrol online at pmfby.gov.in OR through bank.
 +  * **Sharecroppers + tenants**: covered if **Lease Cultivation Certificate** in state.
 +
 +===== Documents required =====
 +
 +  - **Aadhaar card** (mobile-linked)
 +  - **Land documents** (RoR / patta / pahani / khasra)
 +  - **Bank passbook** (Aadhaar-seeded)
 +  - **Sowing certificate** OR **patwari sowing report** (mandatory for non-loanee)
 +  - **Photograph** — passport-size
 +  - **For tenants**: Lease Cultivation Certificate
 +
 +===== How to enrol =====
 +
 +==== Loanee farmer (KCC holder) ====
 +
 +  - **Auto-enrolled** at sowing.
 +  - Premium **debited from KCC account** at 1.5–2%.
 +  - You receive enrolment SMS.
 +  - **Opt-out** allowed: visit bank within 7 days of premium debit, fill opt-out form.
 +
 +==== Non-loanee farmer ====
 +
 +  - **Online**: pmfby.gov.in → "Apply as Farmer" → enter Aadhaar, land, crop, area.
 +  - **Pay premium online** (UPI / netbanking).
 +  - **OR offline**: visit bank / CSC / insurance company office with documents + cash.
 +  - **Cut-off**: 31 July (kharif) / 31 Dec (rabi). Apply 7+ days before cut-off.
 +
 +===== How to claim =====
 +
 +  - **Damage occurs** (cyclone, hailstorm, flood, drought, pest attack).
 +  - **Within 72 hours** — call **14447** OR insurance company helpline OR file via Crop Insurance App.
 +  - Provide: name, Aadhaar, mobile, location, crop, sum insured, type of damage.
 +  - **Surveyor visits** within 7–10 days.
 +  - **Crop-cutting experiment (CCE)** for area-based losses.
 +  - **Damage assessment + CCE results** finalised in 30–60 days.
 +  - **Claim DBT to your bank** in 60–90 days from damage.
 +
 +==== If claim denied ====
 +
 +File **RTI to insurance company** for: (a) damage assessment report, (b) CCE results for your village, (c) reasons for denial. **First Appeal under §19(1) RTI** in 30 days if PIO doesn't reply.
 +
 +===== Common mistakes =====
 +
 +  * **Not reporting within 72 hours** — claim auto-rejected.
 +  * **No proof of sowing** — for non-loanee farmers, patwari sowing certificate is critical.
 +  * **Wrong crop declared** — premium debited but coverage doesn't match → claim denied.
 +  * **Aadhaar–bank mismatch** — claim DBT silent failure.
 +  * **Skipping CCE participation** — your village's CCE result determines area-based claim. If your panchayat misses CCE, your claim may default to lower compensation.
 +
 +===== Latest updates (2026) =====
 +
 +  * **2025–26 reform**: simpler claim process, smartphone-only filing, faster CCE via drone surveys.
 +  * **WBCIS (Weather-Based Crop Insurance Scheme)** continues for districts where PMFBY isn't operational.
 +  * **PMFBY 2.0** discussions ongoing — yet to be formally announced.
 +
 +===== FAQ =====
 +
 +==== I'm a KCC loanee. How is my PMFBY premium debited? ====
 +**Auto at sowing** — bank debits premium from your KCC account. Sum insured = scale of finance × area you've declared. SMS confirms.
 +
 +==== I missed the 31 July kharif cut-off. Can I still enrol? ====
 +**No** — cut-off is hard. Try the next season (rabi 31 Dec).
 +
 +==== My crop was 70% damaged but PMFBY paid only 30%. Why? ====
 +Likely your **village CCE** (crop-cutting experiment) showed lower-than-actual damage. **File RTI** for: CCE locations, who conducted, methodology, results. If CCE was flawed, file **complaint with State Agriculture Insurance Cell** + **First Appeal**.
 +
 +==== Can I claim PMFBY + state-specific scheme together? ====
 +**Yes** — most states have **own crop insurance / disaster relief**. Stackable. Each has its own claim process.
 +
 +==== Tenant farmer can claim PMFBY? ====
 +**Only with Lease Cultivation Certificate** (state-specific — AP, Odisha, Karnataka, TN).
 +
 +==== What if my village is not in the notified PMFBY area? ====
 +Many districts have **WBCIS** (Weather-Based Crop Insurance) instead. Check at https://pmfby.gov.in → "Notified Districts".
 +
 +==== I sowed but no rain — can I claim "failed sowing"? ====
 +**Yes** — PMFBY covers **prevented sowing** if pre-sowing rainfall is below threshold. Claim with patwari report on date of attempted sowing + actual rainfall data.
 +
 +==== Why is the premium debited from KCC if I don't want PMFBY? ====
 +**Voluntary since 2020** — opt-out within **7 days** of premium debit notification. Bank cannot refuse opt-out request.
 +
 +===== You may also be eligible for =====
 +
 +  * **[[:kisan-credit-card|KCC]]** — credit + auto-PMFBY
 +  * **[[:pm-kisan-samman-nidhi|PM-KISAN]]** — ₹6,000/yr cash
 +  * **[[:soil-health-card-scheme|Soil Health Card]]** — free soil test
 +  * **[[:e-nam|e-NAM]]** — sell crops online
 +  * **[[:rti-for-mgnrega-wages|MGNREGA]]** — 100 days work
 +  * **[[:farmer-agriculture-schemes-india|🌾 All farmer schemes]]**
 +
 +===== Sources =====
 +
 +  * [[https://pmfby.gov.in|PMFBY official]]
 +  * [[https://agricoop.nic.in|Department of Agriculture & Farmers' Welfare]]
 +  * Helpline: **14447**
 +
 +===== Check your status (2026) =====
 +
 +  * [[:kcc-fasal-bima-status-2026|KCC & Fasal Bima claim status (2026)]]
 +
 +//Last reviewed: 3 May 2026.//
 +
 +===== Visual / Infographic prompts =====
 +
 +  * **Infographic concept:** 3-row premium table: Kharif 2% / Rabi 1.5% / Commercial 5% farmer share. Government covers the rest. 4 risk windows: pre-sowing → standing crop → post-harvest → localised.
 +
 +==== SVG icon prompts (use any AI image gen) ====
 +  - Minimal flat icon of a crop with a shield around it (insurance).
 +  - Cyclone + drought + pest icons in a row (multi-risk coverage).
 +  - Cell phone with PMFBY app and 14447 helpline.
 +
 +{{tag>pmfby crop-insurance farmer-schemes 2026}}
 +===== PM Fasal Bima Yojana: Claims, delays, and how to file RTI for crop insurance =====
 +
 +PMFBY (Pradhan Mantri Fasal Bima Yojana) — complete guide on claims, delays, and using RTI for crop insurance issues:
 +
 +  - **Step 1: What is PMFBY?** (a) PMFBY is the Pradhan Mantri Fasal Bima Yojana (launched in 2016 — by the Ministry of Agriculture and Farmers Welfare — to provide crop insurance to farmers against natural calamities, pests, and diseases), (b) the coverage: (i) all food crops (cereals, millets, pulses), (ii) oilseeds, (iii) annual commercial/horticultural crops (cotton, sugarcane, etc.), (c) the premium: (i) 2% of sum insured for kharif crops, (ii) 1.5% for rabi crops, (iii) 5% for commercial/horticultural crops — the rest is subsidised by the government (50% by Centre, 50% by State), (d) the sum insured: equal to the scale of finance (the crop loan amount — as notified by the District Level Technical Committee), (e) the implementation: through insurance companies (empanelled by the government — both public and private — like LIC, AIC, ICICI Lombard, HDFC Ergo, etc. — the farmer enrols through the bank or the Common Service Centre).
 +  - **Step 2: Claim process.** (a) on-season approach (the claim is based on the yield data — collected by the State Government — through Crop Cutting Experiments (CCEs) — conducted at the village level — by the agriculture department), (b) the CCEs are conducted (for each crop — in each village — as per the prescribed methodology — and the yield is estimated), (c) if the actual yield is less than the threshold yield (the average yield of the area — for the past 7 years — minus the yield of the notified calamity year): the claim is triggered, (d) the claim amount = (threshold yield - actual yield) x sum insured / threshold yield, (e) the insurance company processes the claim (within 21 days of receiving the yield data from the State Government — and the claim is credited to the farmer's bank account — directly), (f) for localised calamities (hailstorm, landslide, inundation): the farmer can file an individual claim (within 72 hours of the event — to the insurance company — or the bank — with evidence — photos, videos), (g) for post-harvest losses (within 14 days of harvest — due to unseasonal rain or cyclone): the farmer can file an individual claim (within 72 hours).
 +  - **Step 3: Common claim problems.** (a) claim not received (the farmer's crop was damaged — but the claim was not credited — because: (i) the CCE was not conducted — or was conducted incorrectly, (ii) the yield data was not submitted — or was submitted late — by the State Government, (iii) the bank account is not linked — or the IFSC code is wrong, (iv) the farmer's name is not in the portal — or the name is misspelled), (b) claim amount is wrong (the claim was credited — but the amount is less than expected — because: (i) the threshold yield is set too high, (ii) the actual yield is reported higher than the actual damage, (iii) the sum insured is lower than the scale of finance), (c) CCE not conducted (the CCE is the basis for the claim — but the CCEs are often not conducted — or are conducted on healthy crops — or the data is manipulated — by the agriculture department officials), (d) delay in claim settlement (the insurance company takes months — or years — to process the claim — because the State Government delays the yield data — or the insurance company delays the processing), (e) enrolment issues (the farmer paid the premium — through the bank — but the enrolment is not reflected in the portal — because the bank did not upload the data — or uploaded wrong data), (f) name mismatch (the farmer's name in the bank account — the Aadhaar — and the PMFBY portal — do not match — and the claim is rejected).
 +  - **Step 4: File RTI.** File RTI with: (a) the District Agriculture Officer (or the District Level Implementation Committee) asking for: (i) the CCE data (for [village] — [crop] — [year] — the date of CCE — the yield estimated — and the CCE report), (ii) the threshold yield (for [village] — [crop] — [year] — and the data used to calculate it), (iii) the claim status (for the farmer [name] — [crop] — [year] — whether the claim is processed — and the amount — and the date of credit), (iv) the number of CCEs conducted (in [village] — [crop] — [year] — and the list of farmers covered — and the claims paid), (b) the insurance company asking for: (i) the claim status (for the farmer [name] — policy number [number] — whether the claim is received — and processed — and credited), (ii) the reason for delay (if the claim is not processed — the specific reason — and the expected date), (iii) the claim amount (and the calculation — and the yield data used), (c) the bank asking for: (i) the premium payment record (for the farmer [name] — [crop] — [year] — whether the premium was deducted — and remitted to the insurance company — and the date), (ii) the enrolment data (whether the farmer's data was uploaded to the PMFBY portal — and the date — and any errors), (d) the State Agriculture Department asking for: (i) the yield data submission (to the insurance company — for [district] — [crop] — [year] — the date of submission — and the data), (ii) the total claims paid (in [district] — [crop] — [year] — the number of farmers — and the total amount — and the pending claims).
 +  - **Step 5: Grievance redressal.** (a) file a grievance on the PMFBY portal (pmfby.gov.in — the grievance module — with the policy number and the details), (b) the grievance is forwarded to the insurance company (and the State Government — and must be resolved within 15 days), (c) if not resolved: approach the District Agriculture Officer (with the RTI reply — and the grievance number), (d) if the DAO does not resolve: approach the District Collector (who chairs the DLIC — and can order the insurance company to process the claim), (e) if the DC does not resolve: file a writ petition (in the High Court — under Article 226 — the court can order the insurance company and the State Government to process and pay the claim — with interest and compensation).
 +  - **Step 6: Practical tips.** (a) check the PMFBY portal (pmfby.gov.in — with the Aadhaar number — or the mobile number — to verify the enrolment and the claim status), (b) ensure the bank account is linked with Aadhaar (and the IFSC code is correct — and the name matches — to avoid claim rejection), (c) file RTI early (the CCE data and the yield data are available for a limited time — file RTI within 3-6 months of the crop damage — to get the data before it is lost), (d) cite the PMFBY guidelines (the operational guidelines — 2023 — which mandate claim settlement within 21 days of yield data submission — and penalty for delay), (e) Example: A farmer's cotton crop was damaged in [district] — the claim was not received — the farmer filed RTI with the District Agriculture Officer — asking for the CCE data — the CCE was not conducted in the farmer's village — the farmer filed a grievance — and approached the DC — the DC ordered the insurance company to process the claim — based on the neighbouring village's yield data — Rs 45,000 was paid — with Rs 2,000 interest.
 +
 +See [[https://righttoinformation.wiki/pm-fasal-bima-yojana|PMFBY]] and [[https://righttoinformation.wiki/guide/applicant/application/find-pio-2026|Find PIO]].
 +
 +{{tag>pm fasal bima yojana pmfby crop insurance claim delay cce yield rti agriculture farmer grievance 2026}}
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