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How to Claim PMFBY Crop Insurance for Loss 2026

PMFBY Claim - crop loss insurance. Within 72 hours. Implementing agency assesses. Online portal.

📁 Insurance ⏱️ 30-60 mins 💰 Free

About This Guide

Pradhan Mantri Fasal Bima Yojana (PMFBY) claim for crop losses. Apply within 72 hours of crop damage. Multiple loss types: drought, flood, hail, pest, disease. Implementing agency (insurance company assigned per district) assesses + pays. Online claim at pmfby.gov.in. Premium just 1.5-5% of sum insured (rest govt subsidized).

Eligibility Criteria

PMFBY enrolled (auto for KCC holders)
Notified crop in area
Loss occurred
Aadhaar mandatory
Bank account (Aadhaar-seeded)

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

Aadhaar
PMFBY enrollment proof
Land records (Khasra/Khatauni)
Bank passbook
Crop damage photos
Survey number
Application Form
Premium receipt (if applicable)

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Within 72 Hours of Loss

CRITICAL TIMING.

Visit Portal

pmfby.gov.in.

Or Call

1551 (Krishi Call Center).

Or Bank Branch

Where KCC.

Apply Crop Loss

Loss intimation.

Submit Photos

Damaged crop photos with date.

Survey Number

Land records.

Field Verification

Insurance company surveyor visits.

CCE Crop Cutting Experiment

Block-level damage assessment.

Insurance Calculation

Per loss + average yield.

Approval

90-180 days.

DBT to Bank

Aadhaar-seeded account.

Key Benefits

Multiple risks covered
Drought + flood + hail + pest
1.5-5% premium
State + central subsidy
Bank-linked auto-enrollment
DBT direct
Pan-India
12+ crore enrollments

What Happens After Application?

90-180 days settlement.

Frequently Asked Questions

Beyond 72 hours intimation?

CRITICAL timeline. Beyond 72h: claim usually rejected. Surveyor cannot verify damage as fresh.

Auto-enrollment?

KCC holders: auto-enrolled. Non-KCC: need to opt-in within 1 week of seeding.