PM Fasal Bima Yojana 2026: Premium, Last Date, Claim Status
📌Quick Facts & Summary
Key Benefit
Farmer pays at most 2% of sum insured for Kharif food and oilseed crops.
Who Can Apply
All farmers, including tenant and sharecropper farmers, growing notified crops in notified areas. Enrolment is voluntary.
Status / Deadline
Partly unverified: last Cabinet approval found covers up to 2025-26. The scheme is running in Kharif 2026 in 25 States/UTs with a 2026-27 budget, but a formal 2026-31 Cabinet extension note was not found.
Official Portal
Helpline
14447 (Krishi Rakshak Portal and Helpline)
Last Verified
15 October 2026
🔗 Important Action Links (Official Portals):
🌐 Official Portal ↗📝 Apply Online ↗🔎 Check Status ↗
📞 Helpline: 14447 (Krishi Rakshak Portal and Helpline)
What is the Scheme?
Low-premium crop insurance. If your notified crop is damaged by drought, flood, pests, hailstorm or similar risks, you get a claim.
Also known as: Fasal Bima, crop insurance yojana
Who is it for?
All farmers, including tenant and sharecropper farmers, growing notified crops in notified areas. Enrolment is voluntary.
Benefits and Financial Assistance
| # | Key Benefit / Entitlement Details | Category / Mode |
|---|---|---|
| 1 | Farmer pays at most 2% of sum insured for Kharif food and oilseed crops. | Primary Benefit (DBT/Subsidy) |
| 2 | 1.5% for Rabi food and oilseed crops. | Direct Support |
| 3 | 5% for annual commercial and horticulture crops. | Direct Support |
| 4 | The rest of the premium is paid by the Centre and the State. | Direct Support |
| 5 | Covers sowing failure, standing crop loss, post-harvest loss (up to 14 days) and localised calamities. | Direct Support |
Eligibility Criteria
Applicants must meet the following eligibility conditions:
- You grow a crop notified for your area in that season.
- Your State is implementing PMFBY that season (some States have opted out).
- Loanee and non-loanee farmers can both join.
Documents Needed
Keep the following documents ready before submitting your application:
- ✓ Aadhaar card
- ✓ Bank passbook
- ✓ Land record / khasra, or tenancy agreement for tenant farmers
- ✓ Sowing certificate or self-declaration (as the State asks)
- ✓ Mobile number
How to Apply Online (Step-by-Step)
- Go to pmfby.gov.in and choose 'Farmer Corner'.
- Register as a guest farmer or log in.
- Enter personal, bank and land details, and pick the crop and season.
- Pay your share of the premium online.
- Download the policy receipt.
How to Apply Offline
- Loanee farmers: your bank usually enrols you when the crop loan is given. Tell the bank if you want to opt out.
- Non-loanee farmers: apply at a bank branch, CSC, insurance company agent or the Crop Insurance app before the season cut-off date.
How to Check Application / Payment Status
- On pmfby.gov.in, use 'Application Status' with your receipt number.
- Report crop loss within 72 hours on the Crop Insurance app, helpline 14447, the insurance company, or your bank / agriculture office.
- Claim status is shown on the portal against your policy.
Official Website and Helpline Numbers
| Official Portal | https://pmfby.gov.in ↗ |
|---|---|
| Helpline / Contact | 14447 (Krishi Rakshak Portal and Helpline) |
| Nodal Ministry | Ministry of Agriculture and Farmers Welfare |
Important Dates & Milestones
Cut-off dates differ by State and crop (Kharif usually July-August, Rabi usually December). Check your State notification. Checked 15 Oct 2026.
Frequently Asked Questions (FAQs)
❓ What is the last date for Rabi 2026-27 enrolment?
It is set by each State. Check pmfby.gov.in or your bank. Do not wait till the last day.
❓ How soon must I report crop damage?
Within 72 hours of the event.
❓ Can tenant farmers get crop insurance?
Yes, if the State allows it with the right papers.
❓ Is PMFBY compulsory for KCC holders?
No. It has been voluntary since 2020. You can opt out by telling your bank before the cut-off.
Sources & Official References
All facts on this page were verified on 15 October 2026 from the following official government sources:
- PMFBY portal: https://pmfby.gov.in/ [resolves (HTTP 206)] ↗
- Cabinet decision Jan 2025 (extension to 2025-26): https://www.pib.gov.in/PressReleasePage.aspx?PRID=2089250 [resolves (HTTP 200)] ↗
- PMFBY features (PDF): https://pmfby.gov.in/pdf/PMFBY_Features.pdf [resolves (HTTP 206)] ↗
- PIB note on Kharif 2026 coverage: https://www.pib.gov.in/PressNoteDetails.aspx?ModuleId=3&NoteId=159760&lang=2®=48 [resolves (HTTP 200)] ↗
Fact-Check Verification: This scheme entry was reviewed and fact-checked by Abhishek (govtschemes.net) using official PIB releases, ministry guidelines, and gazette records.
If you notice any outdated rule or change, please report a correction.
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