Karnal PMFBY Crop Insurance & 72-Hr Claim Desk
करनाल — District Agriculture Loss Assessment & Panchnama Portal
Official guide for cultivators in Karnal district (Haryana). Check notified Kharif and Rabi crops, sum insured per acre, implementing underwriter contacts, and localized 72-hour disaster intimation rules.
Notified Crops in Karnal & Sum Insured
Sum insured figures are benchmarked to local District Level Technical Committee (DLTC) scales of finance:
| Crop Name | Season | Sum Insured / Acre | Farmer Premium | Indemnity Level |
|---|---|---|---|---|
| Paddy / Rice (धान / चावल) | Kharif | ₹34,000 | 2% (₹680) | 90% |
| Wheat (गेहूं) | Rabi | ₹32,000 | 1.5% (₹480) | 90% |
| Mustard / Rapeseed (सरसों) | Rabi | ₹24,000 | 1.5% (₹360) | 80% |
| Sugarcane (गन्ना) | Annual / Horticultural | ₹60,000 | 5% (₹3,000) | 90% |
Localized Disaster Intimation Protocol for Karnal
In the event of localized calamities such as hailstorm, unseasonal continuous cloudburst, inundation (field submergence), or post-harvest rains impacting cut produce within 14 days, you must report the loss within 72 hours.
The loss assessment in Karnal is conducted jointly by the designated loss surveyor from ICICI Lombard General Insurance Company, the local Revenue Patwari / Talathi, and the Krishi Sahayak (Agriculture Assistant).
Once certified by the joint inspection committee, claim compensation is calculated directly as: Assessed Loss % × Sum Insured, and disbursed via Direct Benefit Transfer (DBT) directly into the farmer's Aadhaar-seeded bank account.
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