PM Fasal Bima Yojana: Eligibility, Crop-Loss Report & Claim Status
The useful part of crop insurance is knowing what to do immediately after localised loss. This guide separates enrolment, loss reporting and final claim assessment.
Prepared by the Am I Eligible? Editorial Team and last checked 2026-09-17. Rules are compared with official department sources.
Answer 5–7 simple questions and get your eligibility score in 2 minutes.
Check eligibility now →What is it?
Pradhan Mantri Fasal Bima Yojana provides notified crop insurance in participating states and districts. Farmers enrol for a notified crop and season through authorised channels. Claims are assessed under notified risks and procedures; buying insurance does not mean every crop loss automatically qualifies.
Benefits
Coverage may include prevented sowing, standing-crop yield loss, specified localised calamities and post-harvest losses where the notified state terms apply. Premium rates, insured sum, crop, district and cut-off are shown in the seasonal notification and enrolment receipt.
Eligibility criteria
- ✓Farmer must cultivate a crop notified for the relevant season and area
- ✓Enrolment must be completed within the seasonal cut-off
- ✓Land, crop-sowing and bank details must be correct
- ✓Tenant or sharecropper coverage depends on acceptable cultivation proof under state rules
- ✓The reported loss must fall within a risk covered by the notification
Documents required
- ✓Aadhaar and mobile number
- ✓Land or valid cultivation record
- ✓Bank passbook
- ✓Sowing or crop declaration
- ✓Insurance receipt or application ID
- ✓Geo-tagged evidence and loss-intimation reference where applicable
How to apply — step by step
- Before enrolment, use the official PMFBY portal to confirm that your crop and area are notified
- Apply through an authorised bank, CSC, insurer channel or portal and keep the receipt
- Verify crop, survey number, insured area, bank and premium on the receipt
- For individual localised or post-harvest loss, report promptly within the period stated in current guidelines, commonly 72 hours
- Use the Crop Insurance app, insurer helpline or channel listed in the policy and save the complaint number
- Track application and claim status on the official portal and cooperate with the survey
Important dates
Every state, crop and season has its own enrolment cut-off. Loss intimation for specified individual events is time-sensitive and commonly required within 72 hours; confirm the exact current condition on your policy and official portal.
Common mistakes to avoid
- ✓Assuming a bank loan always means insurance was enrolled
- ✓Not checking crop and land details on the receipt
- ✓Reporting localised loss too late
- ✓Changing the bank account while a claim is processing without updating records
- ✓Believing the claim amount is fixed before official assessment
Frequently asked questions
Are all farmers automatically covered?
No. The farmer, crop, season and area must be enrolled under the applicable notification.
How quickly should local crop loss be reported?
Report immediately. Current guidelines commonly require specified localised or post-harvest losses within 72 hours; verify your policy.
Where can I track a claim?
Use pmfby.gov.in, the official app or the insurer contact shown on the enrolment receipt.
Does a photo guarantee payment?
No. Photos support intimation, but assessment and notified coverage determine the claim.
Answer 5–7 simple questions and get your eligibility score in 2 minutes.
Check eligibility now →