agriculture

Pradhan Mantri Fasal Bima Yojana — PMFBY

Ministry of Agriculture and Farmers Welfare, Government of India / Agriculture Department, Gujarat

Pradhan Mantri Fasal Bima Yojana (PMFBY) provides comprehensive crop insurance cover against non-preventable natural risks from pre-sowing to post-harvest losses. Farmers pay a heavily subsidised capped premium (2% for Kharif food/oilseeds, 1.5% for Rabi food/oilseeds, 5% for annual horticultural crops) with remaining premium shared by Central and State Governments.

Last verified: 2026-10-22

Chandan Charitable Trust is not a government agency. It does not sanction benefits or process applications. Final eligibility, verification and sanction rest solely with the competent government authority.

How the process works

Step 1: Check eligibility
Farmers cultivating notified crops in notified areas during eligible Kharif and Rabi seasons with crop sown declarations. Crop must be cultivated in a notified area/district for the specific season. Farmer must enrol and pay applicable farmer premium share before the seasonal cut-off deadline. Covers prevented sowing, mid-season adversity, widespread yield loss, post-harvest losses, and localised calamities. Localised losses (hailstorm, landslide, inundation) must be reported within 72 hours.
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Step 2: Prepare documents
The official source lists the following documents.
Documents needed for this step
- Farmer Aadhaar card.
- Land ownership records (7/12 and 8A in Gujarat) or registered tenant agreement.
- Sowing certificate / crop declaration issued by Talati/Gram Sevak.
- Bank passbook copy with IFSC.
- Farmer premium share receipt.
Step 3: Apply
Online on pmfby.gov.in, via Crop Insurance App, through bank branches, or at Common Service Centres (CSCs). Step 1: Check whether your crop and district are notified for the current season on pmfby.gov.in. Step 2: Submit enrolment application on portal, at local bank branch, or at CSC before the cut-off date. Step 3: Upload 7/12 land records, sowing declaration, and Aadhaar. Step 4: Pay capped farmer premium and obtain policy receipt. Step 5: In case of localised crop loss, intimate insurance company via Crop Insurance App / Helpline within 72 hours. Step 6: Claim assessed through Crop Cutting Experiments (CCEs) or loss survey and paid via DBT.
Step 4: Verification
Automated land record integration and satellite/CCE-based yield estimation.
Step 5: Sanction / decision
Decision authority, as stated by the official source: State Level Coordination Committee on Crop Insurance (SLCCCI) and Empanelled Insurers.
Step 6: Benefit
Comprehensive sum insured compensation for crop losses based on shortfall against threshold yield. Farmer premium strictly capped: 2.0% for Kharif food/oilseeds, 1.5% for Rabi food/oilseeds, 5.0% for commercial/horticultural crops. Claim payments settled directly into beneficiary bank account via DBT. Direct Benefit Transfer (DBT) directly into the farmer's bank account.
Step 7: If delayed or rejected
This step has not yet been confirmed from an official source. Please refer to the official portal or the concerned department.
Step 8: Grievance / appeal
PMFBY Kisan Call Centre Helpline (14447) and National Grievance Portal https://pgportal.gov.in/

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Pradhan Mantri Fasal Bima Yojana — PMFBY

Ministry of Agriculture and Farmers Welfare, Government of India / Agriculture Department, Gujarat

Last verified: 2026-10-22

How the process works

Step 1: Check eligibility

Farmers cultivating notified crops in notified areas during eligible Kharif and Rabi seasons with crop sown declarations. Crop must be cultivated in a notified area/district for the specific season. Farmer must enrol and pay applicable farmer premium share before the seasonal cut-off deadline. Covers prevented sowing, mid-season adversity, widespread yield loss, post-harvest losses, and localised calamities. Localised losses (hailstorm, landslide, inundation) must be reported within 72 hours.

Step 2: Prepare documents

The official source lists the following documents.

Documents needed for this step

Farmer Aadhaar card.
Land ownership records (7/12 and 8A in Gujarat) or registered tenant agreement.
Sowing certificate / crop declaration issued by Talati/Gram Sevak.
Bank passbook copy with IFSC.
Farmer premium share receipt.

Step 3: Apply

Online on pmfby.gov.in, via Crop Insurance App, through bank branches, or at Common Service Centres (CSCs). Step 1: Check whether your crop and district are notified for the current season on pmfby.gov.in. Step 2: Submit enrolment application on portal, at local bank branch, or at CSC before the cut-off date. Step 3: Upload 7/12 land records, sowing declaration, and Aadhaar. Step 4: Pay capped farmer premium and obtain policy receipt. Step 5: In case of localised crop loss, intimate insurance company via Crop Insurance App / Helpline within 72 hours. Step 6: Claim assessed through Crop Cutting Experiments (CCEs) or loss survey and paid via DBT.

Step 4: Verification

Automated land record integration and satellite/CCE-based yield estimation.

Step 5: Sanction / decision

Decision authority, as stated by the official source: State Level Coordination Committee on Crop Insurance (SLCCCI) and Empanelled Insurers.

Step 6: Benefit

Comprehensive sum insured compensation for crop losses based on shortfall against threshold yield. Farmer premium strictly capped: 2.0% for Kharif food/oilseeds, 1.5% for Rabi food/oilseeds, 5.0% for commercial/horticultural crops. Claim payments settled directly into beneficiary bank account via DBT. Direct Benefit Transfer (DBT) directly into the farmer's bank account.

Step 7: If delayed or rejected

This step has not yet been confirmed from an official source. Please refer to the official portal or the concerned department.

Step 8: Grievance / appeal

PMFBY Kisan Call Centre Helpline (14447) and National Grievance Portal https://pgportal.gov.in/