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PM Fasal Bima Yojana 2026 – Apply, Claim & Check Status

PM Fasal Bima Yojana 2026 — officially known as the Pradhan Mantri Fasal Bima Yojana (PMFBY) — is India’s largest government-backed crop insurance scheme, protecting farmers against crop loss from natural calamities, pests, diseases, and now, from Kharif 2026, even wild animal attacks and paddy inundation. Farmers pay a very low premium of just 2% for Kharif crops, 1.5% for Rabi crops, and 5% for horticultural crops — while receiving full coverage for crop damage from pre-sowing right through to post-harvest. Since launch in February 2016, over 22.67 crore farmers have received Rs.1.83 lakh crore in claims, making PMFBY the world’s largest crop insurance scheme by farmer enrolment. Whether you want to enrol for Kharif 2026, file a damage claim within the critical 72-hour window, check your claim status online, or understand the latest 2026 scheme updates — this complete guide covers everything: eligibility, premium rates, step-by-step application process, how to claim, status check, and the brand-new add-on covers active from this season.

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What is PM Fasal Bima Yojana 2026?

The Pradhan Mantri Fasal Bima Yojana (PMFBY) is a Central Sector Scheme launched on 18 February 2016 by the Government of India to provide affordable, comprehensive crop insurance to farmers across all states and Union Territories. The scheme is implemented by the Ministry of Agriculture and Farmers Welfare through empanelled insurance companies, with premium subsidies shared between the Central and State governments — leaving farmers with only a small, fixed premium share of 2% (Kharif), 1.5% (Rabi), or 5% (horticulture).

The scheme covers the entire crop cycle — from prevented sowing before the season begins, through standing crop losses during the season, to post-harvest losses caused by unseasonal rain or cyclones. As of early 2026, PMFBY has insured over 78.41 crore farmer applications since inception, disbursing Rs.1.83 lakh crore in claims to 22.67 crore farmers — making it the world’s largest crop insurance scheme by farmer enrolment and India’s most trusted agricultural safety net. The Union Cabinet approved its continuation through 2025-26 with a dedicated budget of Rs.69,515.71 crore. For 2026, farmer enrolment has been rising sharply — from 3.17 crore in 2022-23 to 4.19 crore in 2024-25, a 32% increase year-on-year.

New Updates in PMFBY from Kharif 2026

The Government of India has announced several landmark updates to PM Fasal Bima Yojana in 2026 that significantly expand coverage and strengthen claim settlement processes. Here are the most important 2026 changes every enrolled farmer must know:

• 🐘 Wild Animal Attack Coverage (New – Kharif 2026) — Crop loss caused by wild animals such as elephants, wild boars, nilgai, deer, and monkeys is now covered as the 5th Add-on Cover under the Localised Risk category. States will identify vulnerable districts based on historical data. Farmers must report losses within 72 hours via the Crop Insurance App with geotagged photographs. This directly benefits farmers in Odisha, Chhattisgarh, Jharkhand, Madhya Pradesh, Maharashtra, Karnataka, Kerala, Tamil Nadu, and Uttarakhand.
• 🌊 Paddy Inundation Cover Restored (New – Kharif 2026) — Paddy inundation (submergence due to heavy rainfall and overflowing waterways) has been reintroduced as a Localised Calamity Cover after being removed in 2018. This benefits farmers in coastal and flood-prone states including Odisha, Assam, West Bengal, Tamil Nadu, Kerala, Karnataka, Maharashtra, and Uttarakhand — where paddy inundation during monsoon causes crore-scale losses annually.
• ⚡ Automatic 12% Penalty on Delayed Claims (from Kharif 2024) — If any insurance company delays claim payment to farmers beyond the stipulated period, a penalty of 12% per annum is automatically calculated and levied through the National Crop Insurance Portal (NCIP). Farmers no longer need to chase insurers for delayed claims.
• 🏦 State ESCROW Accounts Mandatory (from Kharif 2025) — All participating states must now deposit their premium share in advance into an ESCROW account, ensuring that the state premium portion is always available and claim payment is never delayed due to state fund shortfalls.
• 🛰️ YES-Tech Drone Survey for Yield Estimation — The YES-Tech (Yield Estimation System) has been launched nationwide, using drones and satellite imagery to replace manual Crop Cutting Experiments (CCE) for loss assessment. This enables faster, more accurate, and transparent claim settlements.
• 🤖 Digiclaim Module + PFMS Integration — The Digiclaim Module, operational from Kharif 2022, now integrates with the Public Finance Management System (PFMS) and insurance company accounting systems for fully automated, transparent claim processing and direct DBT payments to farmer bank accounts.

PMFBY 2026 Premium Rates – Kharif, Rabi & Horticulture

One of the most attractive features of PM Fasal Bima Yojana 2026 is the extremely low farmer premium — far below what private crop insurance policies charge. The government subsidises the bulk of the actuarial premium so that even small and marginal farmers can afford comprehensive crop protection. Below is the complete premium structure:

Example calculation: If the sum insured for your paddy crop is Rs.50,000 per hectare, your Kharif 2026 premium is just Rs.1,000 (2% of Rs.50,000). The government pays the remaining actuarial premium — which could be Rs.8,000–Rs.15,000 depending on the crop and region — on your behalf. In the event of total crop loss, you receive the full Rs.50,000 sum insured. This makes PMFBY one of the most financially advantageous insurance products available to Indian farmers. Use the PMFBY Premium Calculator on pmfby.gov.in to get the exact premium and sum insured for your specific crop, district, and season.

PM Fasal Bima Yojana 2026 Eligibility Criteria

Who Is Eligible for PMFBY 2026?

• 🌾 All farmers aged 18–70 years growing notified crops in designated notified areas are eligible — no income limit or land size restriction applies
• 🏦 Loanee farmers who have taken Kisan Credit Card (KCC) or crop loans from banks — automatically enrolled under PMFBY (can opt out in writing before the cutoff date)
• 🙋 Non-loanee farmers — can apply voluntarily through pmfby.gov.in, the Crop Insurance App, their bank, or a CSC centre
• 👩‍🌾 Sharecroppers and tenant farmers — eligible as per respective state government norms; must have an insurable interest in the notified crop
• 📍 Farmers in notified districts and crops — only crops and areas officially notified by the state government under PMFBY are insurable each season
• 🔗 Aadhaar-linked bank account — mandatory for all applicants, as claim payments are made exclusively via DBT to Aadhaar-seeded accounts

Documents Required for PMFBY 2026 Application

• 📄 Aadhaar Card — for identity verification and DBT claim payment
• 🏦 Bank Account Details — account number and IFSC code of Aadhaar-linked account
• 📜 Land Records (Khasra/Khatauni/7-12 extract) — proving ownership or tenancy of the agricultural land being insured
• 🌾 Sowing Certificate — issued by the Patwari or Village Level Worker (VLW) confirming the notified crop has been sown
• 📱 Mobile Number — linked to Aadhaar for OTP verification during online application
• 🖼️ Passport-size photograph — for offline CSC/bank enrolment

What Does PMFBY 2026 Cover? Full Risk Coverage List

PM Fasal Bima Yojana 2026 provides comprehensive protection across 5 distinct risk stages of the crop cycle — far broader than most private crop insurance products. Here is the complete coverage framework:

Crops covered under PMFBY 2026 include all food crops (cereals, millets, pulses), oilseeds, annual commercial and horticultural crops as notified by each state government. From Kharif 2024, Soybean was added to the notified crops list. The exact list of insurable crops and districts is published by each state before each season — check your state agriculture department’s website or pmfby.gov.in for the current Kharif 2026 notification.

How to Apply for PM Fasal Bima Yojana 2026 Online

Farmers can apply for PM Fasal Bima Yojana 2026 through 3 channels: the official portal (pmfby.gov.in), the Crop Insurance mobile app, or through their bank/CSC centre. The online process is the fastest and requires no physical visit. Here is the complete step-by-step guide for online application:

1. 🌐 Visit the official portal — Open pmfby.gov.in in your browser or download the Crop Insurance App from Google Play Store
2. 👤 Login or Register as Farmer — Click “Farmer Corner” on the homepage. First-time users: click “Guest Farmer” and enter your mobile number, name, and state to create your login account via OTP
3. 📅 Select Season and Scheme — After login, choose the current season (Kharif 2026), scheme name (PMFBY), year (2026), and your state from the dropdown menus
4. 📋 Fill Personal Details — Enter your name (as on Aadhaar), Aadhaar number, date of birth, category (General/SC/ST/OBC), gender, district, tehsil, and village
5. 🏦 Enter Bank Details — Provide your Aadhaar-linked bank account number and IFSC code; this account will receive all claim payments via DBT
6. 🌾 Enter Crop and Land Details — Select the notified crop you are sowing (from the dropdown), enter the land area in hectares, and provide your Khasra/Survey number from your land records
7. 💰 Calculate and Pay Premium — The portal will automatically calculate your premium (2% of sum insured for Kharif). Pay online via UPI, net banking, or debit card. Download and save your payment receipt immediately
8. 📥 Download Policy Receipt — After successful payment, download your PMFBY policy receipt from the portal. This is your proof of enrolment and will be required when filing a claim

Alternative enrolment channels: Visit your nearest bank branch (especially if you have a KCC/crop loan account), any Common Service Centre (CSC), or contact your local agriculture officer. For bank enrolment, carry your Aadhaar card, land records, and sowing certificate. Loanee farmers should check their bank passbook or contact their bank to confirm whether they have already been auto-enrolled before the deadline. For offline CSC enrolment, find your nearest centre at locator.csc.gov.in.

Who Should Apply for PM Fasal Bima Yojana 2026?

• 🌾 All small and marginal farmers growing Kharif crops like paddy, maize, cotton, soybean, or groundnut — your crop risk exposure is highest and the 2% premium is the lowest you will find anywhere for this level of protection
• 🌧️ Farmers in rain-fed agricultural zones across Bihar, Uttar Pradesh, Madhya Pradesh, Rajasthan, Maharashtra, and Odisha where drought and flood risk is high every monsoon season
• 🐘 Farmers in forest-fringe areas in Jharkhand, Chhattisgarh, Odisha, Uttarakhand, and Kerala where wild animal attacks (elephants, wild boars, nilgai) destroy crops — now specifically covered under Kharif 2026’s new add-on
• 🌊 Paddy farmers in coastal and flood-prone states — Assam, West Bengal, Odisha, Tamil Nadu, Kerala, Karnataka — who face paddy inundation every monsoon and were previously uncompensated; now fully covered from Kharif 2026
• 💸 Non-loanee farmers who have never applied voluntarily — your loanee neighbours with KCC accounts are being auto-enrolled; if you are a non-loanee farmer, you are missing out unless you apply actively before 31 July 2026
• 👩‍🌾 Women farmers and self-help group (SHG) members farming on leased or self-owned land — PMFBY covers sharecroppers and tenant farmers, not just landowners; enrol at your nearest CSC with a lease agreement
• 🧑‍🌾 Young farmers aged 18–35 who have recently started farming — insure your crop from the very first season; one natural calamity without PMFBY coverage can wipe out an entire year’s investment
• 🔄 Farmers who previously received a PMFBY claim — past claim recipients know the value; re-enrol for Kharif 2026 before 31 July to ensure continuous protection. Your previous enrolment does NOT carry forward automatically if you are a non-loanee farmer

How to File a Crop Insurance Claim Under PMFBY 2026

The 72-hour rule is the single most critical rule in PM Fasal Bima Yojana 2026. Missing this window — even by a few hours — can lead to outright rejection of your claim. Here is the complete, step-by-step claim process:

Step-by-Step PMFBY 2026 Claim Filing Process

1. ⏱️ Report within 72 hours — this is mandatory — As soon as your crop is damaged (by hailstorm, flood, wild animal attack, drought, pest outbreak, or any covered event), report the loss immediately through any of these channels: the Crop Insurance App (fastest), toll-free number 1800-180-1551, your insurance company’s helpline, your bank branch, or the local agriculture officer
2. 📱 Use the Crop Insurance App to report digitally — Open the app, log in with your Aadhaar/policy number, click “Report Crop Loss”, select your crop and damage type, upload geotagged photographs of the damaged crop from the field (mandatory for localised damage claims including wild animal attacks and paddy inundation from Kharif 2026)
3. 📝 Obtain an Acknowledgement Number — After reporting, you will receive a complaint/acknowledgement number via SMS. Save this number — you will need it to track your claim status
4. 🔍 Field Verification and Assessment — The insurance company will conduct loss verification using satellite imagery, the YES-Tech drone survey system, and/or field inspections by agriculture officers. For area-level losses, Crop Cutting Experiments (CCE) data is used. For localised damage (hailstorm, wild animal attack), geotagged photos and field visits are the primary evidence
5. ✅ Claim Approval and DBT Payment — Once verified, the approved claim amount is transferred directly to your Aadhaar-linked bank account via DBT. From Kharif 2024, if the insurance company delays payment beyond the stipulated period, an automatic 12% per annum penalty is levied on the company through the NCIP portal — ensuring faster payouts
6. 📊 Check Claim Status — Track your claim at any stage by visiting pmfby.gov.in → Farmer Corner → Check Claim Status, or via the Crop Insurance App

How to Check PMFBY 2026 Claim Status Online

Farmers can track their PM Fasal Bima Yojana 2026 claim status in real time — from the moment it is filed through to final DBT payment — using the official portal or the mobile app. Here is the step-by-step status check process:

1. 🌐 Visit pmfby.gov.in — Open the official PMFBY portal on your phone or computer
2. 🔍 Click “Application Status” — Find the “Application Status” or “Check Claim Status” option under Farmer Corner on the homepage
3. 🔢 Enter your details — Input your Receipt Number (from your enrolment receipt), Aadhaar number, or registered mobile number, along with the captcha code
4. 📊 View your status — Your current enrolment status, claim filing status, verification stage, and payment status will be displayed on screen

You can also check status via the Crop Insurance mobile app on Android — log in with your Aadhaar or registration number and navigate to “My Claims” for real-time updates. For unresolved issues or status queries, contact the PMFBY National Helpline at 1800-180-1551 (Toll-Free, working days) or raise a grievance at agri-insurance.gov.in. The Ministry also publishes state-wise and season-wise claim settlement data on the official PMFBY portal dashboard.

PMFBY vs Private Crop Insurance – Comparison

Many farmers wonder whether PM Fasal Bima Yojana 2026 is better than private crop insurance products offered by companies like HDFC Ergo, ICICI Lombard, or Bajaj Allianz. Here is a side-by-side comparison to help you decide:

Important Crop Insurance Terms Every Farmer Must Know

• 🔑 Sum Insured (Bima Rashi) — The maximum amount you can receive as crop insurance compensation if your entire insured crop is lost. For PMFBY 2026, the sum insured is typically equal to the scale of finance (crop loan limit) fixed by the District Level Technical Committee. Your premium is a fixed percentage of this sum insured.
• 🔑 Actuarial Premium — The true cost of the crop insurance policy calculated by the insurer based on historical crop loss data, weather patterns, and regional risk. Under PMFBY, the government pays the actuarial premium minus the farmer’s share (2%/1.5%/5%). Farmers never pay the full actuarial rate.
• 🔑 Kisan Credit Card (KCC) — A short-term crop loan facility offered by banks to farmers. All KCC-holding (loanee) farmers are automatically enrolled in PMFBY each season unless they opt out in writing before the enrolment deadline.
• 🔑 YES-Tech (Yield Estimation System using Technology) — A satellite and drone-based system deployed from 2025-26 onwards for remote crop yield estimation, replacing labour-intensive manual Crop Cutting Experiments (CCE). It enables faster, more accurate yield shortfall assessment for faster claim settlement.
• 🔑 Crop Cutting Experiments (CCE) — Traditional method of estimating crop yield in representative plots to calculate area-level yield shortfall. Now being replaced by the YES-Tech drone-satellite system for greater accuracy and speed.
• 🔑 Localised Risk — Specific, isolated damage events (hailstorm, landslide, cloud burst, wild animal attack) affecting individual farms rather than entire insurance units. From Kharif 2026, PMFBY covers 5 such localised risks, including the new wild animal attack add-on.
• 🔑 Threshold Yield — The minimum yield level that triggers a PMFBY claim payout. If the actual yield falls below the threshold yield (calculated as the average of the best 7 out of the last 10 years), farmers receive compensation for the shortfall. Compensation = (Threshold Yield – Actual Yield) / Threshold Yield × Sum Insured.
• 🔑 NCIP (National Crop Insurance Portal) — The single unified digital platform at pmfby.gov.in that manages all PMFBY operations — farmer enrolment, premium payment, claim processing, subsidy transfer, grievance redressal, and real-time dashboard reporting across all states.
• 🔑 Digiclaim Module — A dedicated digital claim tracking module integrated with PFMS that automates claim disbursement from Kharif 2022 onwards. It ensures the 12% auto-penalty on delayed payments and provides end-to-end transparency in the claim settlement pipeline.
• 🔑 ESCROW Account — A mandatory separate account that state governments must open (from Kharif 2025) to deposit their share of PMFBY premium in advance. This ensures state premium funds are always available and cannot be diverted, preventing claim delays caused by state treasury shortfalls.

Frequently Asked Questions – PM Fasal Bima Yojana 2026

What is PM Fasal Bima Yojana 2026 and what does it cover?

PM Fasal Bima Yojana 2026 (PMFBY) is India’s government-backed crop insurance scheme providing financial protection against crop loss from natural calamities, pests, and diseases — from pre-sowing to post-harvest. In 2026, coverage has been expanded to include wild animal attacks and paddy inundation as new localised risk add-ons from the Kharif 2026 season. Since launch, the scheme has disbursed Rs.1.83 lakh crore in claims to 22.67 crore farmers across India.

What is the PMFBY 2026 premium rate for Kharif and Rabi crops?

The PM Fasal Bima Yojana 2026 premium rates are: 2% of sum insured for Kharif crops, 1.5% for Rabi crops, and 5% for commercial and horticultural crops. The government (Central + State) subsidises the remaining actuarial premium, making PMFBY far more affordable than any private crop insurance. For example, on a Rs.50,000 sum insured paddy crop, your Kharif premium is just Rs.1,000.

How do I apply for PM Fasal Bima Yojana 2026 online?

Visit pmfby.gov.in, click Farmer Corner, and register or log in. Select Kharif 2026 season, fill in your personal, bank, crop, and land details, pay the premium online (UPI/net banking), and download your policy receipt. The Kharif 2026 enrolment deadline is 31 July 2026. Non-loanee farmers must apply actively; loanee (KCC) farmers are auto-enrolled unless they opt out.

How do I file a crop insurance claim under PMFBY 2026?

Report crop damage within 72 hours — via the Crop Insurance App (upload geotagged photos), helpline 1800-180-1551, insurance company, bank branch, or local agriculture officer. Save your acknowledgement number. The insurer will verify the loss using drone/satellite data (YES-Tech) or field inspection. Approved claim amounts are transferred via DBT to your Aadhaar-linked bank account. Late reporting beyond 72 hours may result in claim rejection.

How do I check my PMFBY 2026 claim status online?

Visit pmfby.gov.in → Farmer Corner → Application Status / Check Claim Status → enter your Receipt Number or Aadhaar number → submit. Your current status (filed, under verification, approved, payment credited) will appear. Alternatively, use the Crop Insurance mobile app and navigate to “My Claims” for real-time claim tracking.

Is PM Fasal Bima Yojana mandatory for farmers with crop loans?

Yes, PMFBY enrolment is compulsory for loanee (KCC) farmers who take short-term crop loans — they are automatically enrolled by their bank. However, farmers can opt out voluntarily by submitting a written request to their bank branch before the notified cutoff date for each season. Non-loanee farmers are voluntary — they must apply actively through the portal, app, bank, or CSC.

What new covers have been added to PMFBY from Kharif 2026?

Two new major add-on covers have been added from Kharif 2026: (1) Wild Animal Attack — covering crop loss due to elephants, wild boars, nilgai, deer, and monkeys, recognised as the 5th Add-on Cover under Localised Risk. (2) Paddy Inundation — re-introduced as a Localised Calamity Cover for paddy farmers in coastal and flood-prone states. Farmers must report these losses within 72 hours with geotagged photos via the Crop Insurance App.

What is the last date for PMFBY Kharif 2026 application?

The last date to apply for PM Fasal Bima Yojana Kharif 2026 is 31 July 2026. For Rabi 2026-27 crops, the last date is 31 December 2026. Actual deadlines may vary slightly by state and crop — verify the final date for your district on pmfby.gov.in or with your local agriculture officer before the cutoff to avoid missing out on coverage.

Can sharecroppers and tenant farmers apply for PMFBY 2026?

Yes, sharecroppers and tenant farmers are eligible for PM Fasal Bima Yojana 2026 as per their respective state government norms. They must have an insurable interest in the crop being insured (i.e., they must bear the risk of crop loss). A lease agreement or crop-sharing document and a sowing certificate from the Patwari or VLW are typically required for enrolment. Visit your nearest CSC or agriculture office for assistance with sharecropper applications.

This guide is regularly reviewed and updated for accuracy. Bookmark this page for the latest PM Fasal Bima Yojana 2026 notifications, Kharif enrolment deadlines, and new scheme updates.

Last Updated: June 2026 | Sources: pmfby.gov.in | Ministry of Agriculture & Farmers Welfare — agricoop.nic.in | Press Information Bureau — pib.gov.in

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