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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-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 ======
+{{page>snippets:dpdp-banner}}
+**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**
+{REVIEWED}
+//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.
+==== Feature image prompt ====
+//Realistic photo of an Indian farmer in a wheat field after rain damage, holding his smartphone with PMFBY claim screen.//
+{{tag>pmfby crop-insurance farmer-schemes 2026}}