The Pradhan Mantri Fasal Bima Yojana (PMFBY) is one of India’s largest crop insurance schemes, launched by the Government of India to protect farmers against financial losses caused by natural calamities, pests, and diseases. The scheme provides comprehensive crop insurance at highly subsidized premium rates, helping farmers recover from crop damage and maintain financial stability. It covers Kharif, Rabi, commercial, and horticultural crops notified by the respective State Governments.
In 2026, eligible farmers can apply for PMFBY through the official PMFBY portal, participating banks, Common Service Centres (CSCs), or State Agriculture Department portals. Farmers can also calculate their insurance premium, check policy status, and report crop loss online. Crop damage due to natural disasters should generally be reported within 72 hours of the incident for eligible claims.
This guide explains everything about PM Fasal Bima Yojana 2026, including eligibility, premium rates, covered risks, application process, claim procedure, documents required, status check, and frequently asked questions.
What is PM Fasal Bima Yojana?
The Pradhan Mantri Fasal Bima Yojana (PMFBY) is a crop insurance scheme that provides financial protection to farmers against crop losses caused by natural calamities, pests, and diseases.
The scheme aims to:
- Protect farmers from crop losses.
- Provide financial support after crop damage.
- Encourage modern farming practices.
- Stabilize farmers’ income.
- Reduce financial risks in agriculture.
Benefits of PM Fasal Bima Yojana
The scheme offers several benefits.
- Affordable crop insurance.
- Government subsidy on premium.
- Coverage against natural disasters.
- Protection against pest and disease losses.
- Financial assistance after crop damage.
- Easy online application.
- Direct claim settlement to eligible beneficiaries.
Eligibility Criteria
Generally, the following farmers are eligible:
- Owner farmers.
- Tenant farmers (subject to State Government guidelines).
- Sharecroppers cultivating notified crops.
- Farmers growing notified food crops, oilseeds, commercial, or horticultural crops in notified areas.
Eligibility depends on the notified crops and districts for each season.
Premium Rates
Farmers pay only a small portion of the insurance premium, while the remaining premium is subsidized by the Central and State Governments.
Current premium rates are:
- Kharif Crops: 2% of the Sum Insured
- Rabi Crops: 1.5% of the Sum Insured
- Commercial & Horticultural Crops: 5% of the Sum Insured
The remaining premium is shared by the Government.
Risks Covered Under PMFBY
The scheme generally covers losses due to:
- Drought
- Flood
- Cyclone
- Storm
- Hailstorm
- Landslide
- Inundation
- Natural Fire
- Pest Attack
- Plant Diseases
- Prevented Sowing (where applicable)
- Post-Harvest Crop Loss (for eligible notified risks)
Coverage depends on the notified crops and state-specific implementation.
Documents Required
Keep the following documents ready.
- Aadhaar Card
- Bank Passbook
- Land Records (if applicable)
- Sowing Certificate (where required)
- Crop Details
- Mobile Number
- Passport-size Photograph
- Kisan Credit Card (if available)
How to Apply for PM Fasal Bima Yojana Online 2026
Follow these simple steps.
Step 1
Visit the official PMFBY portal.
Step 2
Register using your Aadhaar-linked mobile number.
Step 3
Login to your account.
Step 4
Enter:
- Personal Details
- Bank Details
- Land Details
- Crop Information
Step 5
Upload the required documents.
Step 6
Pay the applicable premium online.
Step 7
Submit the application.
Step 8
Download the acknowledgement and policy details for future reference.
How to Calculate Premium
Farmers can calculate their crop insurance premium online using the Premium Calculator available on the official PMFBY portal before submitting the application.
PM Fasal Bima Claim Process
If your crop is damaged, follow these steps.
Step 1
Report the crop loss within 72 hours of the incident.
Step 2
Inform:
- Insurance Company
- Agriculture Department
- Bank
- CSC
- PMFBY Helpline (where applicable)
Step 3
Provide details of:
- Crop
- Location
- Cause of Damage
- Date of Loss
Step 4
Officials may inspect the damaged crop.
Step 5
After verification and assessment, eligible claim amounts are transferred directly to the beneficiary’s bank account through DBT.
How to Check PM Fasal Bima Status
Follow these steps.
- Visit the official PMFBY portal.
- Log in using your registered mobile number.
- Open Policy Status.
- Enter your Policy Number or required details.
- View your application, policy, and claim status.
Common Reasons for Claim Rejection
Claims may be rejected because of:
- Delay in reporting crop damage.
- Incorrect crop information.
- Non-notified crop.
- Incomplete documents.
- Wrong bank details.
- Ineligible area or season.
- Verification failure.
Important Tips
Before applying:
- Apply before the seasonal deadline.
- Enter correct crop details.
- Link your Aadhaar with your bank account.
- Keep all policy documents safely.
- Report crop damage immediately.
- Track your policy and claim status regularly.
Frequently Asked Questions (FAQs)
Who can apply for PM Fasal Bima Yojana?
Eligible owner farmers, tenant farmers, and sharecroppers cultivating notified crops in notified areas can apply, subject to the applicable guidelines.
What is the farmer’s premium?
Farmers generally pay:
- 2% for Kharif crops
- 1.5% for Rabi crops
- 5% for commercial and horticultural crops
How do I report crop loss?
Crop loss should generally be reported within 72 hours to the insurance company or through the official PMFBY channels.
Can I apply online?
Yes. Eligible farmers can apply through the official PMFBY portal, participating banks, or Common Service Centres (CSCs).
How can I check my PMFBY status?
You can log in to the official PMFBY portal and check your policy or claim status using your policy details.
Conclusion
The PM Fasal Bima Yojana 2026 is an important crop insurance scheme that protects farmers against financial losses caused by natural disasters, pests, and diseases. With low premium rates, government subsidy, and an easy online application process, the scheme helps ensure financial security for farmers across India. To receive the full benefits, farmers should apply before the seasonal deadline, provide accurate crop information, and report any crop loss within the prescribed time.
