Last Updated: May 20, 2026
Pradhan Mantri Fasal Bima Yojana 2026 – How to File Claim & Get Money in 7 Days
Pradhan Mantri Fasal Bima Yojana 2026 is India’s largest crop insurance scheme — protecting over 5.6 crore farmers every season with compensation up to Rs.2 lakh per hectare when crops are damaged by floods, drought, hailstorm, pests, or any natural calamity. Launched on 18 February 2016 by Prime Minister Narendra Modi under the Ministry of Agriculture and Farmers Welfare, PMFBY operates on the principle of One Nation – One Scheme and has disbursed over Rs.1.5 lakh crore in claims to Indian farmers since inception. With a Kharif premium of just 2% and Rabi premium of just 1.5% — the rest heavily subsidised by Central and State Governments — PMFBY fasal bima yojana is the most affordable crop insurance in India. This complete 2026 guide covers everything: what’s new, who is eligible, how to enrol, required documents, premium calculator, and most importantly — how to file a PMFBY claim in 7 days and get your money directly in your bank account.
| Scheme Name | Pradhan Mantri Fasal Bima Yojana (PMFBY) |
| Launched By | PM Narendra Modi — 18 February 2016 |
| Ministry | Ministry of Agriculture and Farmers Welfare, Govt. of India |
| Kharif Premium (Farmer) | 2% of Sum Insured (rest subsidised by Govt.) |
| Rabi Premium (Farmer) | 1.5% of Sum Insured |
| Commercial Crops Premium | 5% of Sum Insured |
| Max Compensation | Up to Rs.2 lakh/hectare (crop/state dependent) |
| Claim Report Deadline | Within 72 hours of crop damage |
| Budget 2025-26 | Rs.69,515.71 crore (Cabinet approved) |
| Kharif 2026 Last Date | 31st August 2026 |
| Official Portal | pmfby.gov.in |
| Helpline | 1800-200-7710 (Toll Free) |
- What is Pradhan Mantri Fasal Bima Yojana 2026?
- New Features & Updates in PMFBY 2026
- What Risks Are Covered Under PMFBY?
- PMFBY Premium Rates 2026 — Crop-wise Table
- Eligibility — Who Can Apply for PMFBY 2026?
- Documents Required for PMFBY Enrollment
- How to Apply for PMFBY 2026 — Online & Offline
- How to File PMFBY Claim & Get Money in 7 Days
- How is PMFBY Compensation Calculated?
- Who Should Enrol in PMFBY Fasal Bima Yojana?
- PMFBY vs RWBCIS — Which Crop Insurance is Better?
- High-Value Farmer Scheme Terms You Must Know
- Frequently Asked Questions
What is Pradhan Mantri Fasal Bima Yojana 2026? — Complete Overview
Pradhan Mantri Fasal Bima Yojana (PMFBY) is a government-sponsored, technology-driven crop insurance scheme that protects Indian farmers from financial losses caused by crop failure. It replaced the National Agricultural Insurance Scheme (NAIS) and Modified NAIS in 2016 with a far more farmer-friendly design — lower premiums, faster claims, and mandatory technology use (satellite imagery, drone surveys, remote sensing) for accurate damage assessment.
The scheme is implemented through a nationwide network of empanelled insurance companies — including Agriculture Insurance Company of India (AIC), Bajaj Allianz, HDFC Ergo, ICICI Lombard, Reliance General, and others — in partnership with state governments, banks, and Common Service Centres (CSCs). Since launch, PMFBY has enrolled over 57 crore farmer-applications and paid out claims worth more than Rs.1.5 lakh crore, making it the world’s largest crop insurance scheme by farmer enrollment.
- 🌾 One Nation – One Scheme — single unified crop insurance applicable across all states and UTs
- 💰 Lowest premiums — 2% Kharif, 1.5% Rabi, 5% Commercial; government subsidises 85–98% of actual premium
- 📱 Technology-driven claims — satellite, drone, remote sensing used for crop cutting experiments (CCE); WINDS (Weather Information Network Data Systems) for weather data
- 🏦 Direct Benefit Transfer (DBT) — claim amounts credited directly to Aadhaar-linked bank accounts; no middlemen
- ⚖️ 12% delay penalty — if insurance companies delay payment beyond the notified date (from Kharif 2024), 12% annual interest is automatically added
- 🆓 Zero premium states — farmers in North-East states, Himachal Pradesh, Jammu & Kashmir pay nothing; full premium paid by government
New Features & Updates in Pradhan Mantri Fasal Bima Yojana 2026
The PMFBY 2026 season comes with several important updates approved by the Union Cabinet that directly benefit farmers. If you enrolled under previous seasons, here is what has changed for Kharif 2026:
- 🐘 Wild Animal Attack — New Add-on Cover (Kharif 2026): Crop damage caused by wild animals (elephants, wild boars, nilgai, monkeys) is now covered as a Localised Risk Add-on from Kharif 2026. This is a long-demanded benefit for farmers in forest-adjacent areas across Jharkhand, Odisha, Chhattisgarh, Uttarakhand, and North-East India.
- 🌊 Paddy Inundation — Reintroduced Add-on Cover (Kharif 2026): Paddy inundation (standing water in paddy fields beyond a threshold duration) has been reintroduced as a Localised Calamity Cover. Farmers in coastal and flood-prone states — West Bengal, Odisha, Assam, Bihar, UP — benefit significantly.
- ⏰ 12% Delay Penalty (from Kharif 2024, continuing 2026): If any insurance company delays PMFBY claim payment beyond the notified settlement date, a 12% per annum penalty is automatically computed and added to the claim amount. This forces faster settlement.
- 🏦 ESCROW Account Mandatory (from Kharif 2025, continuing 2026): All state governments must now deposit their premium share in an ESCROW account in advance before the crop season. This prevents fund shortage delays and ensures faster claim release.
- 💰 Budget Rs.69,515.71 crore approved: The Union Cabinet in January 2025 approved continuation of PMFBY through 2025-26 with a total outlay of Rs.69,515.71 crore — ensuring uninterrupted scheme operations for Kharif 2025, Rabi 2025-26, and Kharif 2026 seasons.
What Risks Are Covered Under PMFBY Fasal Bima Yojana 2026?
| Risk Category | Covered Events | Stage of Coverage |
|---|---|---|
| Prevented Sowing / Planting | Deficit rainfall, adverse weather before sowing — farmer unable to sow despite paying premium | Pre-sowing / sowing stage |
| Standing Crop (Widespread) | Drought, dry spell, flood, inundation, pest & disease, landslide, natural fire, lightning, cyclone, typhoon, tempest, hailstorm, hurricane | Sowing to harvesting |
| Localised Calamity | Hailstorm, landslide, inundation, cloud burst, natural fire — affecting isolated farms within a notified area | Sowing to harvesting |
| Post-Harvest Losses | Cyclone, cyclonic rain, unseasonal rain — for crops kept in “cut and spread” condition in the field after harvest | Up to 14 days post-harvest |
| Add-on: Wild Animal Attack | Damage by wild animals (NEW — Kharif 2026) | Sowing to harvesting |
| Add-on: Paddy Inundation | Prolonged standing water in paddy fields beyond threshold (REINTRODUCED — Kharif 2026) | Standing crop stage |
What is NOT covered: War and nuclear risks, riots, malicious damage, theft, losses due to farmer negligence, or crop losses from preventable causes. Damage from stray domestic animals is also not covered under PMFBY — only wild animals qualify under the new 2026 Add-on.
PMFBY Premium Rates 2026 — Crop-wise & Season-wise Table
The PMFBY premium 2026 is among the lowest of any government or private crop insurance scheme in India. The farmer’s share is capped — the government pays the massive balance through central and state premium subsidies.
| Crop Category | Season | Farmer Pays | Government Pays | Example Crops |
|---|---|---|---|---|
| Kharif Food/Oilseeds | Kharif (Jun–Sep) | 2% of Sum Insured | Balance (85–95%) | Paddy, Maize, Bajra, Soybean, Groundnut, Moong, Urad, Arhar |
| Rabi Food/Oilseeds | Rabi (Oct–Mar) | 1.5% of Sum Insured | Balance (85–95%) | Wheat, Mustard, Gram, Barley, Lentil, Sunflower |
| Commercial / Horticultural | Both seasons | 5% of Sum Insured | Balance (80–90%) | Sugarcane, Cotton, Onion, Potato, Banana, Tomato, Grapes |
| North-East, HP, J&K farmers | Both seasons | Zero (0%) | 100% by Govt. | All notified crops |
Premium Calculation Example: A farmer in Bihar insures 1 hectare of paddy under Kharif 2026. The sum insured for paddy in Bihar is Rs.50,000/hectare. The farmer’s premium = 2% of Rs.50,000 = Rs.1,000 only. The government pays the remaining Rs.18,000–Rs.22,000 in actual insurance premium. If the crop fails completely, the farmer receives up to Rs.50,000 in compensation — a 50x return on premium paid.
Eligibility — Who Can Apply for Pradhan Mantri Fasal Bima Yojana 2026?
| Farmer Category | Eligible? | Enrollment Mode |
|---|---|---|
| Loanee farmers (took crop loan from bank) | ✅ Automatically enrolled | Bank handles enrollment; no separate action needed |
| Non-loanee landowner farmers | ✅ Voluntary enrollment | Online via pmfby.gov.in or offline at bank/CSC |
| Tenant farmers (renting land) | ✅ Eligible with tenancy proof | Tenancy agreement + land record from state authority |
| Sharecroppers | ✅ Eligible per state norms | Sharecropping agreement required as document |
| Women farmers | ✅ Fully eligible | All modes; special enrollment drives during Fasal Bima Week |
| Small & Marginal farmers | ✅ Priority target group | All modes; CSC assistance available free of cost |
Key condition: The farmer must be growing a notified crop in a notified area as declared by the state government for the relevant season. Check the list of notified crops for your district at pmfby.gov.in or your nearest agriculture office before enrolling.
Documents Required for PMFBY 2026 Enrollment
- 🪪 Aadhaar Card — mandatory for identity verification and Aadhaar-linked bank account for direct claim credit
- 🏦 Bank Passbook / Account Details — must be Aadhaar-linked for DBT claim transfer; account number and IFSC code required
- 📄 Land Records — ROR (Record of Rights), LPC (Land Possession Certificate), Jamabandi, Khatiyan, or Khasra Khatauni as applicable in your state
- 🤝 Tenancy Agreement — for tenant farmers and sharecroppers in lieu of land ownership documents
- 🌱 Sowing Certificate / Declaration — crop type, area under cultivation (in hectares), and sowing date declaration; can be self-certified
- 📸 Recent Passport-size Photograph — 2 copies for the enrollment form
- 📱 Mobile Number — registered with Aadhaar for OTP-based verification and SMS claim status updates
How to Apply for PMFBY 2026 — Step-by-Step Online & Offline Process
Online Application at pmfby.gov.in
- 🌐 Visit the official portal: Open pmfby.gov.in on your mobile or computer. On the homepage, click “Farmer Corner” in the top navigation menu.
- 👤 Register as a new user: Click “Guest Farmer” to create a new account. Enter your name, mobile number (Aadhaar-linked), and Aadhaar number. Verify your mobile number via OTP.
- 📝 Fill the crop insurance application form: After login, fill in your farmer details (name, address, farmer ID/Aadhaar), bank account details, land information (state, district, village, survey number, area in hectares), crop details (crop type, sowing date, season), and nominee details (optional).
- 📂 Upload documents: Upload scanned copies of land records (ROR/LPC), Aadhaar card, bank passbook, and sowing certificate. Ensure file sizes are under the specified limit (typically 500KB per document in JPG/PDF format).
- 💳 Pay premium online: The portal calculates your premium automatically based on crop, area, and sum insured. Pay via UPI, debit card, net banking, or choose “Pay Later” to pay at your nearest bank or CSC. After payment, download and save your payment receipt — this is your proof of PMFBY enrollment.
Offline Application — Bank / CSC / Agriculture Office
- 🏦 Visit nearest bank branch, CSC (Common Service Centre), or Krishi Vigyan Kendra: Bring all original documents listed above.
- 📋 Collect the PMFBY application form from the counter — it is free of charge. CSC operators fill the form for you if you are unable to do it yourself.
- ✍️ Fill and submit the form with all required details and attach photocopies of documents. Pay the premium in cash or via the bank’s online portal.
- 🧾 Collect your enrollment receipt — note down your Application ID/Policy Number for future claim reference.
The Kharif 2026 last date for PMFBY enrollment is 31st August 2026. Rabi 2026-27 last date is 31st December 2026. Many farmers miss compensation simply because they enrolled late or not at all. Loanee farmers (crop loan borrowers) are automatically enrolled by their bank — but always verify by checking your policy on the PMFBY portal or Crop Insurance App. Non-loanee farmers must enrol every season separately — enrollment from last season does not carry forward. Set a reminder on your phone: enrol for Kharif by 31 July (leaving buffer before 31 August deadline) and for Rabi by 30 November. Download the Pradhan Mantri Fasal Bima Yojana official app from Google Play Store for quick enrollment and real-time claim tracking.
How to File a PMFBY Claim & Get Money in 7 Days — Complete 2026 Guide
This is the most critical section of Pradhan Mantri Fasal Bima Yojana 2026 — and the one most farmers get wrong. Missing the 72-hour reporting window is the single biggest reason for PMFBY claim rejection. Follow this exact process the moment your crop is damaged:
- ⏰ Step 1 — Report within 72 hours (MOST CRITICAL): As soon as your crop suffers damage — whether from flood, drought, hailstorm, pest attack, or any natural calamity — you must report the loss within 72 hours through ANY ONE of these channels:
- 📞 Call the insurance company’s toll-free helpline (number on your policy document or on pmfby.gov.in)
- 📱 Use the Crop Insurance App (available on Google Play) — take photos of damaged crop and submit online
- 🏦 Visit your nearest bank branch where you have your loan/account
- 🏛️ Contact the district/block agriculture officer in person
- ☎️ Call the PMFBY Toll-Free Helpline: 1800-200-7710
- 📋 Step 2 — Your complaint is forwarded: Your bank or agriculture officer forwards your loss report to the insurance company within 24–48 hours of receiving it. Save the acknowledgement number or screenshot of your app report.
- 🔍 Step 3 — Surveyor appointed within 72 hours: The insurance company appoints a licensed damage surveyor within 72 hours of receiving your claim report. The surveyor visits your farm to assess crop damage.
- 📊 Step 4 — Survey and assessment within 10 days: The damage survey must be completed within 10 days of appointment. The surveyor uses photos, measurements, and Crop Cutting Experiment (CCE) data to assess the extent of loss.
- ✅ Step 5 — Claim approval and DBT in 7–15 days: After survey completion and data upload, the insurance company processes your claim and credits the compensation amount directly to your Aadhaar-linked bank account via DBT. For Localised Calamity claims (hailstorm, wild animal attack), payment is typically faster — within 7 working days of loss assessment. For area-based Widespread claims, settlement happens within 2 months of harvest based on Crop Cutting Experiment results.
- 📱 Step 6 — Track your claim status: Check your claim status at any time on pmfby.gov.in → Farmer Corner → Application Status. Enter your Application ID or Aadhaar number. You will also receive SMS updates on your registered mobile number at each stage.
PMFBY Claim Timeline — What Happens When
| Event | Who Acts | Deadline |
|---|---|---|
| Crop damage occurs | Farmer reports loss | Within 72 hours |
| Report forwarded to insurer | Bank / Agriculture officer | Within 48 hours of receiving report |
| Surveyor appointed | Insurance company | Within 72 hours of claim receipt |
| Damage survey completed | Surveyor + Farmer | Within 10 days of appointment |
| Localised claim payment (hailstorm, wild animal) | Insurance company → DBT | Within 7 working days of survey |
| Widespread claim payment (drought, flood) | Insurance company → DBT | Within 2 months of harvest |
| Delay penalty applied (if insurer is late) | Auto-applied by system | 12% per annum from due date (since Kharif 2024) |
How is PMFBY Compensation Calculated? — With Example
The PMFBY claim amount for area-based widespread losses is calculated using the following formula based on Crop Cutting Experiment (CCE) data:
Compensation = [(Threshold Yield − Actual Yield) ÷ Threshold Yield] × Sum Insured per Hectare × Insured Area
- 📊 Threshold Yield: Average yield of the past 7 years (excluding best and worst 2 years) — set by state government for each crop-district combination
- 🌾 Actual Yield: Determined by CCE (Crop Cutting Experiment) conducted by state agriculture department + remote sensing data
- 💰 Sum Insured: Set per hectare for each notified crop by state government — typically Rs.30,000–Rs.1,00,000/hectare depending on crop and state
Worked Example: Farmer in UP with 2 hectares of wheat. Sum insured = Rs.40,000/hectare. Threshold yield = 30 quintals/hectare. CCE shows actual yield = 15 quintals/hectare (50% crop loss). Compensation = [(30−15)/30] × Rs.40,000 × 2 = 0.5 × Rs.40,000 × 2 = Rs.40,000 total credited to bank account.
Who Should Enrol in Pradhan Mantri Fasal Bima Yojana 2026?
- 🌾 Every farmer growing Kharif or Rabi crops in any Indian state — the premium is so low (Rs.500–Rs.2,000 for most farmers) that not enrolling means losing access to potential Rs.50,000–Rs.2,00,000 compensation
- 🏘️ Farmers in flood-prone districts (Bihar, Assam, Odisha, West Bengal, UP) — the new 2026 Paddy Inundation Add-on makes PMFBY especially critical for paddy farmers in these states
- 🐘 Farmers in forest-adjacent villages — wild animal crop damage is now covered as a 2026 Add-on; farmers near tiger reserves, elephant corridors, and national parks must absolutely enrol in Kharif 2026
- ☀️ Farmers in drought-prone areas (Maharashtra, Rajasthan, Marathwada, Bundelkhand, Vidarbha) — PMFBY’s Prevented Sowing and Standing Crop coverage provides a crucial safety net in deficit monsoon years
- 👩🌾 Women farmers and SHG members — state governments conduct special PMFBY enrollment drives for women; many states offer additional support through Mahila Kisan schemes alongside PMFBY
- 🤝 Tenant farmers and sharecroppers — who do not own land but cultivate it; PMFBY explicitly covers them with a tenancy agreement, making it the only major government scheme accessible without land ownership documents
- 🌿 Horticulture and vegetable farmers — cotton, onion, tomato, potato, banana, grape growers who face huge losses from unseasonal rain or pest attack can get crop insurance at just 5% premium
- 💳 Crop loan borrowers — if you have taken a KCC (Kisan Credit Card) loan or any crop loan, verify with your bank that PMFBY enrollment has been done — it is compulsory and protects both your crop and your loan repayment ability
PMFBY vs RWBCIS — Which Crop Insurance Scheme is Better in 2026?
| Feature | PMFBY (Pradhan Mantri Fasal Bima Yojana) | RWBCIS (Restructured Weather Based Crop Insurance) |
|---|---|---|
| Claim trigger | Actual crop loss assessed by surveyor + CCE | Weather parameter deviation (rainfall, temperature, humidity) |
| Best for | All types of crop losses — flood, drought, pest, disease | Weather-sensitive crops; faster payout |
| Premium (Kharif) | 2% of sum insured (farmer share) | 2% of sum insured (farmer share) |
| Claim speed | 7 days (localised) to 2 months (widespread) | Faster — payout triggered by automatic weather data |
| Coverage area | Village/Gram Panchayat level (being reduced) | District/sub-district level weather station |
| Dispute risk | Low — actual loss verified on ground | Moderate — weather data may not reflect farm-level reality |
| Crops covered | Food, oilseeds, commercial, horticultural | Horticulture, plantation crops, weather-sensitive crops |
| New 2026 adds | Wild Animal Attack, Paddy Inundation add-ons | No major new additions for 2026 |
| Best recommendation | ✅ Best for most farmers — widest coverage, actual loss assessed | Good supplement for horticulture farmers |
For the vast majority of Indian farmers growing food crops, oilseeds, or cotton, Pradhan Mantri Fasal Bima Yojana is the clear choice — it covers actual on-farm crop loss regardless of whether the nearest weather station recorded the event. RWBCIS suits horticulture farmers and those growing in areas with dense, well-calibrated weather station networks. Many states now offer both schemes — enrol in PMFBY as your primary protection, and consider RWBCIS as an add-on for high-value horticultural crops if your state offers it. The most important action: enrol before 31 August 2026 for Kharif crops and report any damage within 72 hours — those 2 actions determine whether you get compensated or not.
High-Value Farmer Scheme Terms Every PMFBY Applicant Must Know
- 🌐 pmfby.gov.in: The official Pradhan Mantri Fasal Bima Yojana portal for online enrollment, premium calculation, application status check, and claim tracking. Use the Crop Insurance Premium Calculator here before enrolling to know your exact premium and sum insured.
- 📱 Crop Insurance App: Official PMFBY mobile app available on Google Play Store and App Store. Allows farmers to report crop damage with photos within 72 hours, track claim status, check policy details, and find nearest CSC — all on mobile.
- 💳 KCC (Kisan Credit Card): Govt. of India’s agricultural credit card. Farmers with KCC loans are automatically enrolled in PMFBY each season — the premium is debited from their KCC loan account. Rs.1.6+ crore KCC holders are covered under PMFBY.
- 🧪 CCE (Crop Cutting Experiment): The scientific method used to determine actual yield for PMFBY claims — state agriculture department officials physically harvest a small plot and measure yield. CCE results determine widespread claim payouts for all farmers in an insurance unit.
- 🏛️ AIC (Agriculture Insurance Company of India): The government-owned insurance company implementing PMFBY across multiple states. One of the largest agricultural insurers in the world. Contact: aicofindia.com
- 🌡️ WINDS (Weather Information Network Data Systems): India’s network of automatic weather stations and rain gauges at revenue village level — installed under PMFBY to improve weather data accuracy for RWBCIS and PMFBY loss assessment.
- 📊 Sum Insured: The maximum compensation amount per hectare for a specific crop in a specific district — set by the state government for each season. The farmer’s premium is calculated as a % of this sum insured. Higher sum insured = higher potential claim payout.
- 🏦 DBT (Direct Benefit Transfer): The mechanism through which PMFBY claim amounts are credited directly to the farmer’s Aadhaar-linked bank account — no intermediaries, no delays from manual processes. Aadhaar-bank linking is therefore mandatory for PMFBY enrollment.
- 🤝 CSC (Common Service Centre): The government’s network of rural digital service points where farmers can enrol for PMFBY, pay premium, check status, and get help with claim filing — free of extra charges. Find nearest CSC at csc.gov.in
- ⚖️ Fasal Bima Week: Annual national campaign by the Agriculture Ministry to boost PMFBY enrollment awareness — held annually in December for Rabi season. Special enrollment drives, bank camps, and CSC camps are organised across rural India.
Frequently Asked Questions — Pradhan Mantri Fasal Bima Yojana 2026
How to file a claim under Pradhan Mantri Fasal Bima Yojana 2026?
Report crop damage within 72 hours by calling the insurance company’s toll-free number, using the Crop Insurance App, visiting your bank, contacting the agriculture officer, or calling PMFBY helpline 1800-200-7710. The insurer appoints a surveyor within 72 hours. Survey is completed in 10 days. For Localised Calamity claims (hailstorm, wild animal), money is credited to your Aadhaar-linked bank account within 7 working days. Missing the 72-hour reporting window is the most common reason for claim rejection.
What is the premium for Pradhan Mantri Fasal Bima Yojana 2026?
PMFBY 2026 premium rates are: 2% of Sum Insured for Kharif crops (paddy, maize, soybean); 1.5% for Rabi crops (wheat, mustard, gram); and 5% for commercial/horticultural crops (sugarcane, cotton, onion). The government subsidises 85–98% of the actual insurance premium. Farmers in North-Eastern states, Himachal Pradesh, and Jammu & Kashmir pay zero premium — 100% subsidy by government. Use the PMFBY Premium Calculator at pmfby.gov.in to calculate your exact premium.
Who is eligible for Pradhan Mantri Fasal Bima Yojana 2026?
All farmers — landowners, tenant farmers, and sharecroppers — growing notified crops in notified areas are eligible. Loanee farmers (crop loan borrowers) are automatically enrolled by their bank. Non-loanee farmers must enrol voluntarily through pmfby.gov.in, their bank, CSC, or agriculture office. There is no income limit or acreage restriction. Tenant farmers need a tenancy agreement as proof of cultivation interest.
What crops are covered under PMFBY 2026?
PMFBY 2026 covers food crops (cereals, millets, pulses), oilseeds, and commercial/horticultural crops as notified by each state government. Kharif crops include paddy, maize, bajra, soybean, groundnut. Rabi crops include wheat, mustard, gram, barley. From Kharif 2026, Wild Animal Attack and Paddy Inundation are new Add-on Covers. Crops not notified by the state government for a specific district are not eligible regardless of damage.
What documents are required for PMFBY 2026?
Documents for PMFBY 2026 enrollment: Aadhaar card (mandatory), Aadhaar-linked bank passbook, land records (ROR/LPC/Jamabandi), sowing certificate/crop declaration, recent passport-size photo, and registered mobile number. Tenant farmers need a tenancy/sharecropping agreement instead of land ownership records. Loanee farmers need no separate documents — their bank handles everything automatically.
How much compensation can a farmer get under PMFBY?
PMFBY compensation depends on the sum insured per hectare (set by state for each crop) and extent of crop loss. For paddy: sum insured is typically Rs.35,000–Rs.75,000/hectare. For wheat: Rs.30,000–Rs.60,000/hectare. For cotton: Rs.50,000–Rs.1,00,000/hectare. A farmer with 2 hectares of paddy insured at Rs.50,000/hectare who suffers 100% loss can receive up to Rs.1,00,000 — directly credited to their bank account via DBT.
What is the last date to apply for PMFBY Kharif 2026?
The last date for Pradhan Mantri Fasal Bima Yojana Kharif 2026 enrollment is 31st August 2026. For Rabi 2026-27, the last date is 31st December 2026. Actual state-wise deadlines may vary — verify at pmfby.gov.in or your district agriculture office. Enrol at least 2 weeks before the deadline to avoid last-minute CSC rush.
What new features have been added to PMFBY in 2026?
Key PMFBY 2026 updates: (1) Wild Animal Attack added as new Add-on Cover for forest-adjacent farmers; (2) Paddy Inundation reintroduced as Add-on Cover for coastal/flood-prone states; (3) 12% per annum delay penalty automatically applied on late payments by insurance companies; (4) All states must maintain ESCROW accounts for advance premium deposit; (5) Cabinet approved Rs.69,515.71 crore budget for scheme continuation through 2025-26. These changes make PMFBY 2026 the strongest version of the crop insurance scheme since its 2016 launch.
Useful Links: PMFBY Official Portal — pmfby.gov.in | National Portal India — PMFBY | AIC of India — aicofindia.com | CSC (Common Service Centre) — csc.gov.in
Last Updated: May 2026 | This Pradhan Mantri Fasal Bima Yojana guide is regularly reviewed and updated. Bookmark this page for the latest PMFBY premium rates, claim process updates, and Kharif/Rabi enrollment deadlines.
