PM Fasal Bima Yojana Kharif 2026 registration closes July 31. Farmers pay only 2% premium for crop insurance up to ₹2 lakh. Full guide on eligibility, application steps, and how to claim compensation.
पीएम फसल बीमा योजना खरीफ 2026 पंजीकरण 31 जुलाई तक। किसान मात्र 2% प्रीमियम पर ₹2 लाख तक का फसल बीमा पा सकते हैं।
📢 Urgent — Kharif 2026 Registration Window Open Now:
PM Fasal Bima Yojana registration for Kharif 2026 crops (paddy, maize, soybean, cotton, groundnut) is open now and closes on July 31, 2026. Loanee farmers with KCC/crop loans are enrolled automatically by their bank. Non-loanee farmers must apply separately at pmfby.gov.in or the nearest CSC. Missing the deadline means no insurance coverage for the entire Kharif season.
⚡ Key Facts at a Glance
Pradhan Mantri Fasal Bima Yojana (PMFBY) is India's largest crop insurance scheme protecting over 5.5 crore farmers annually against losses from floods, drought, hailstorm, pest attacks, and disease. For the Kharif 2026 season covering paddy, maize, bajra, soybean, cotton, and groundnut, farmers need to register before July 31, 2026. The beauty of this scheme is the heavily subsidised premium — a farmer in Maharashtra growing soybean on 2 hectares pays just ₹1,400 as premium for a sum insured of ₹70,000, with the remaining 98% premium covered by the central and state governments equally.
If you have a Kisan Credit Card (KCC) or any crop loan from a bank, cooperative, or PACS, your bank has likely already enrolled you in PMFBY for this season — the premium gets deducted from your loan account. Non-loanee farmers (those cultivating without loans) must actively register. This article gives you the complete registration process, claim procedure, and what to do if your crop is destroyed by natural calamity.
Who is Eligible for PM Fasal Bima Yojana Kharif 2026
- ✅ All farmers (loanee and non-loanee) growing notified crops in notified areas of their state
- ✅ Small, marginal, and large farmers — no land size restriction
- ✅ Tenant farmers and sharecroppers — eligible with valid Land Lease Agreement from landowner
- ✅ Farmers in all states where PMFBY is notified (check pmfby.gov.in for your state)
- ❌ NOT covered: Crops grown in pots, kitchen gardens, or non-notified crop varieties
- ❌ NOT covered: Losses due to war, nuclear risk, or malicious damage by farmer
- ❌ NOT covered: Loanee farmers who submitted written opt-out request to their bank before the deadline
How to Apply for PMFBY Kharif 2026 — Step-by-Step Guide
- Check notified crops in your district: Open pmfby.gov.in → Click "Crop Insurance" → "Notified Crops and Areas" → Select your state and district. Confirm your crop is listed for Kharif 2026.
- Open Farmer Application: On pmfby.gov.in → Click "Farmer Application" → Select "Guest Farmer" if applying for the first time, or login with your registered mobile number for returning users.
- Enter your details: Fill in state, district, block, village, Aadhaar number, mobile number, and bank account details (account number + IFSC code of your Aadhaar-linked account).
- Add land and crop details: Enter your survey number / Khasra number from your land records. Select the Kharif crop, and enter the area in hectares you want to insure. The portal automatically calculates your 2% premium amount.
- Pay the premium: Complete payment online via UPI, net banking, or debit card. If applying offline, visit your bank branch, CSC, or PACS with all documents and pay in cash.
- Save policy document: Download or photograph your insurance policy certificate. It contains your policy number, sum insured, and insurance company name — essential for filing future claims.
Documents Required for PMFBY Registration
| Document | Purpose | Format |
|---|---|---|
| Aadhaar Card | Identity verification, DBT linking | Original / UIDAI copy |
| Land Records (Khasra / 7-12 extract) | Proof of cultivable land ownership/use | Revenue department certified copy |
| Bank Passbook / Account Details | Premium payment and claim credit | Aadhaar-linked active account |
| Sowing Certificate (if available) | Confirms crop type and sown area | From Patwari / Revenue official |
| Land Lease Agreement (tenant farmers only) | Permission to cultivate from landowner | Signed on stamp paper |
How to Claim PMFBY Compensation — Crop Loss Scenarios
| Loss Situation | How to Report | Time Limit |
|---|---|---|
| Hailstorm, landslide, or inundation (localised) | Call 1800-200-7710 and inform local Agriculture Officer within 72 hours | 72 hours of loss |
| Drought or widespread flood | State government assesses via Crop Cutting Experiments — automatic claim triggered if yield falls below threshold | After harvest yield data |
| Post-harvest loss (cut crop damaged by rain) | Report within 14 days of harvest if cyclone or rain damages harvested crop left in field | 14 days after harvest |
| Prevented sowing (no rain before sowing season) | State government declares and triggers automatic 25% payout — no individual reporting needed | Before sowing season ends |
| Pest or disease attack | Report to district agriculture office with photos; they arrange a joint inspection | Within 72 hours of noticing |
Important Dates — PMFBY Kharif 2026
- 📅 Registration Opens: June 1, 2026
- 📅 Last Date to Register (Kharif 2026): July 31, 2026
- 📅 Crop Harvest Period: September–November 2026
- 📅 Expected Claim Settlement: Within 2 months after state yield data is available
- 📅 Rabi 2026-27 Registration: Opens October/November 2026
Frequently Asked Questions — PM Fasal Bima Yojana 2026
Q: My crop was destroyed by hailstorm last night — what do I do right now?
Act within 72 hours. Call PMFBY helpline 1800-200-7710 immediately and report the loss with your policy number. Also call your insurance company's toll-free number (printed on your policy certificate). Inform the local Patwari/Talathi in writing. Take photographs of the damaged crop. An agricultural inspector will visit your field to assess damage and record the Crop Cutting Experiment (CCE). The compensation is calculated based on their assessment and credited directly to your bank account.
Q: How much compensation will I receive if 100% of my crop fails?
If 100% crop loss is established, you receive the complete Sum Insured for the area you insured. For example, if the Sum Insured is ₹60,000 per hectare in your district and you insured 2 hectares, you receive ₹1,20,000. The Sum Insured amount is shown on your policy certificate and is set by your state government based on the cost of cultivation. Actual payout may vary if the area yield falls partially below the Threshold Yield.
Q: I have a KCC loan — am I automatically covered under PMFBY?
Yes, loanee farmers with KCC or crop loans are mandatorily enrolled by their bank under PMFBY, and the premium is deducted from their loan account. Check your passbook for "Fasal Bima Premium Deducted." You can also verify your policy at pmfby.gov.in → Know Your Application Status. If you want to opt out of PMFBY for a specific season, submit a written request to your bank branch at least 7 days before the registration cut-off date.
Q: I am a tenant farmer — can I get crop insurance under PMFBY?
Yes. Tenant farmers and sharecroppers are eligible provided they have a valid Land Lease Agreement or Consent Certificate signed by the landowner specifying the area leased and crop to be grown. This document must be on stamp paper. Apply under the "Non-Loanee Farmer" category at pmfby.gov.in or at your bank/CSC with this document along with Aadhaar and bank details.
Q: How do I check my PMFBY application and claim status online?
Visit pmfby.gov.in → Click "Know Your Application Status." Enter your Aadhaar number or application number to see your registration status, premium payment confirmation, and any claim progress. You can also download the Crop Insurance App from Google Play Store for real-time updates on your policy and claims.
Q: My PMFBY claim was rejected — what can I do?
Request the rejection reason in writing from the insurance company. Then: (1) File a grievance at pmfby.gov.in → Farmer Grievance section; (2) Contact the District Agriculture Officer who chairs the district-level PMFBY grievance committee; (3) File at pgportal.gov.in → Agriculture Department → PMFBY. You can also approach the State Agriculture Department's insurance nodal officer for a review.
Q: What crops are covered under PMFBY Kharif 2026 in my state?
Covered crops vary by state. Commonly notified Kharif crops include: paddy (rice), maize, bajra (pearl millet), jowar, soybean, cotton, groundnut, tur (arhar), moong, urad, and sugarcane. Visit pmfby.gov.in → Notified Crops and Areas → select your state → select your district to see the exact list with sum insured amounts and premium rates for each crop.
Q: When will my PMFBY claim money be credited to my bank account?
Claim payments must be made within 2 months after the state government submits yield data and area yield falls below the Threshold Yield. For localised calamities (hailstorm, flood) with individual crop loss assessment, payment should come within 30 days of the CCE report. All payments go directly to your Aadhaar-linked bank account via DBT. If delayed beyond 3 months, you can claim 12% interest per annum on the pending amount.
PM Fasal Bima Yojana Helpline & Grievance
- 📞 National Helpline: 1800-200-7710 (toll-free, available 24×7)
- 🌐 Official Portal: pmfby.gov.in
- 📱 Crop Insurance App: Search "Pradhan Mantri Fasal Bima Yojana" on Google Play
- 🌐 Grievance Portal: pgportal.gov.in → Agriculture & Farmers Welfare → PMFBY
- 📧 Email: help.agri-insurance@gov.in
For more farmer scheme information, explore our PM Kisan complete guide, the PM Kisan status check page, and all central government schemes for farmers.
📋 संक्षिप्त जानकारी (हिंदी में)
पीएम फसल बीमा योजना (PMFBY) खरीफ 2026 के लिए पंजीकरण अभी खुला है और 31 जुलाई 2026 अंतिम तिथि है। धान, मक्का, सोयाबीन, कपास और मूंगफली जैसी खरीफ फसलों के लिए किसान मात्र 2% प्रीमियम देकर बीमा पा सकते हैं — बाकी राशि सरकार देती है। KCC लोन वाले किसानों का बैंक स्वतः पंजीकरण कर देता है। अन्य किसान pmfby.gov.in पर या नजदीकी CSC में जाकर आवेदन करें। फसल नुकसान होने पर 72 घंटे में हेल्पलाइन 1800-200-7710 पर सूचित करें। मुआवजा सीधे आपके आधार-लिंक्ड बैंक खाते में आएगा।
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