PM Fasal Bima Yojana: crop insurance for farmers
Last updated: 1 July 2026
PMFBY provides insurance cover against crop loss from notified natural risks, at a low farmer premium share. This is general guidance; enrolment windows and covered crops are notified locally — confirm on the official portal.
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What it covers
Cover for notified crops against risks like drought, flood, pests and diseases, and certain post-harvest and localised losses, as per the season's notification. The farmer pays a small share of the premium; the rest is subsidised.
How to enrol
- Enrol within the notified cut-off date for the season (Kharif/Rabi).
- Loanee farmers may be enrolled through their bank; non-loanee farmers can enrol via bank, CSC, or the official portal.
- Keep land records, Aadhaar and bank details ready.
- Note your policy/enrolment details for claims.
Reporting crop loss
Report damage within the notified time (often 72 hours) through the insurance company toll-free number, the app, bank, or agriculture office, so a survey can be done. Check the exact process on pmfby.gov.in.
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Ask Saathi: “How do I enrol in PM Fasal Bima and claim for crop loss?”Frequently asked questions
How soon must I report crop damage under PMFBY?
Usually within 72 hours of the loss, via the insurer's toll-free number, app, bank or agriculture office. Confirm the current process at pmfby.gov.in.
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