Premium structure and seasonal coverage
- Kharif food and oilseed crops: Farmers pay a uniform nominal premium of up to 2% of the sum insured.
- Rabi food and oilseed crops: Farmers pay a uniform nominal premium of up to 1.5% of the sum insured.
- Commercial and horticultural crops: Farmers pay a maximum premium of up to 5% of the sum insured.
- Government premium subsidy: The remaining actuarial premium is subsidized equally by central and state governments.
Covered risks and claim settlement process
PMFBY covers prevented sowing due to adverse weather, standing crop yield losses assessed through scientific Crop Cutting Experiments (CCEs), localized calamities (hailstorms, landslides, inundation), and post-harvest cyclone damage while crops dry in fields. In cases of localized loss, farmers must report damage within 72 hours via the Crop Insurance App or toll-free helpline.
Online enrollment and status checking
Both loanee and non-loanee farmers can enroll through the National Crop Insurance Portal (pmfby.gov.in), Common Service Centres (CSCs), or servicing bank branches by submitting land records, sowing certificates, and Aadhaar-seeded bank accounts before seasonal cut-off dates.
Official source
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Ministry of Agriculture & Farmers Welfare (PMFBY) ↗Related on KisanPe
Common questions
What is the farmer premium rate for Rabi crops under PMFBY?
Farmers pay a uniform nominal premium of 1.5% of the sum insured for Rabi food grains and oilseeds.
What is the time limit for reporting localized crop loss?
Farmers must report localized damage within 72 hours of the event through the Crop Insurance App, helpline, or local agriculture officer.
Where can farmers check their PMFBY insurance application status?
Application status and claim disbursals can be tracked on the National Crop Insurance Portal (pmfby.gov.in) using the application policy number.
General guidance, not personal advice. For your farm, ask your local Krishi Vigyan Kendra or agriculture officer.
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