Pradhan Mantri Fasal Bima Yojana 2026 - Online Registration at pmfby.gov.in, Farmer List, Last Date and Claim Status

Pradhan Mantri Fasal Bima Yojana is running in 23 states and union territories in 2026, and Odisha farmers can still enrol for the Kharif 2026 season till 15 August 2026 after the Ministry of Agriculture and Farmers Welfare cleared a fresh extension. In most other states the Kharif 2026 cut-off was 31 July 2026. Rabi 2026-27 registration opens later this year, with 31 December as the usual last date.

Farmers pay only a small part of the premium under PMFBY. It is 2% of the sum insured for Kharif crops, 1.5% for Rabi crops and 5% for yearly commercial and horticulture crops. Government pays the rest, which comes to 95% to 98.5% of the actual premium, split 50:50 between the Centre and the state. For North Eastern and Himalayan states the split is 90:10.

PMFBY is one of the many schemes started by the Narendra Modi government for farmers. It covers crop loss from pre-sowing right up to post-harvest, when the cut crop is still lying in the field. Since 2016, a total of 78.41 crore farmer applications have been insured and 22.67 crore of them have got claims worth ₹1.83 lakh crore. In 2024-25 alone, 4.19 crore farmers took the cover, the highest in any single year so far.

Prime Minister Narendra Modi started this crop insurance scheme on 18 February 2016. Union Cabinet in January 2025 cleared its continuation, along with Restructured Weather Based Crop Insurance Scheme (RWBCIS), till 2025-26 with an outlay of ₹69,515.71 crore. It also created a Fund for Innovation and Technology (FIAT) worth ₹824.77 crore. States such as Madhya Pradesh have already approved their own share for the next five years, up to 2030-31.

PMFBY Online Registration 2026 at pmfby.gov.in

Any farmer without a crop loan can register on the portal without visiting a bank. Farmers who took a seasonal crop loan through a Kisan Credit Card can enrol too, but since Kharif 2020 the cover is voluntary for them as well, so the bank deducts the premium only if the farmer has not opted out in writing. Online registration works on a normal smartphone and on a laptop.

STEP 1 - Open the official crop insurance portal at pmfby.gov.in. This is the National Crop Insurance Portal (NCIP) run by the Ministry of Agriculture and Farmers Welfare, and it is the only site where a farmer should fill the form.

STEP 2 - On the homepage, look for the "Farmer Corner - Apply for Crop Insurance by Yourself" box and click it. The homepage also carries a "Farmer Login" button that takes you to the same place.

STEP 3 - On the farmer login page, pick the "Guest Farmer" tab if you are registering for the first time. Old users can simply enter their registered mobile number and log in with an OTP.

STEP 4 - A registration form opens on the screen. Fill your name, mobile number, home address, state, district, village, farmer category, Aadhaar number and bank account details with the IFSC code. Keep your Aadhaar linked mobile handy because the number is checked with an OTP.

STEP 5 - Enter the captcha and click "Create User". Your account is made and you can log in with the same mobile number.

STEP 6 - After logging in, choose the season (Kharif or Rabi), the year, the scheme, your crop, the survey or khasra number and the sown area in hectares. Upload the land record and the sowing certificate, pay the farmer share of the premium online and save the receipt. You can insure more than one crop in the same season.

If filling the form online feels hard, the same work can be done at a Common Service Centre, a bank branch, a cooperative society or through an insurance agent using the AIDE app. CSC operators are not allowed to charge farmers anything for PMFBY enrolment.

PMFBY Last Date 2026 for Kharif and Rabi

Cut-off dates are fixed by each state before the season starts, so they are not the same everywhere. Broadly, 31 July is the last date for Kharif crops and 31 December for Rabi crops. Some states give paddy growers extra time.

For Kharif 2026, most states closed enrolment on 31 July 2026. Odisha got an extension till 15 August 2026 from the Ministry of Agriculture and Farmers Welfare. Andhra Pradesh kept 31 July for most notified crops and 15 August for paddy. Missing the date by even one day means no cover for that whole season, so it is better to enrol two weeks early instead of waiting for the last week.

PMFBY 2026 Key Highlights

New PMFBY Rules from Kharif 2026

Ministry of Agriculture and Farmers Welfare has changed the rules of the scheme over the last two seasons. The biggest change starts with Kharif 2026, and it covers two problems farmers had been raising for years.

Wild animal attack cover: Crop loss caused by wild animals is now the fifth add-on cover under the Localised Risk group. States will notify which animals count, usually elephants, wild boar, nilgai, deer and monkeys, and will mark the districts or insurance units where this happens often. Farmers in Odisha, Chhattisgarh, Jharkhand, Madhya Pradesh, Maharashtra, Karnataka, Kerala, Tamil Nadu, Uttarakhand and the North Eastern and Himalayan states will get the most out of this. Details are in the official announcement by the Ministry.

Paddy inundation cover: Damage to paddy from water standing in the field is back as a localised calamity. It was dropped in 2018 because it was hard to assess. Coastal and flood-prone states gain the most from this change.

Report within 72 hours with photos: For both these covers, the farmer has to report the loss within 72 hours through the Crop Insurance App and upload geotagged photographs of the damaged field. Without the photo proof the claim will not move ahead.

12% penalty on late claim payment: From Kharif 2024, if an insurance company pays a claim after the notified date, a penalty of 12% a year is added on its own and paid to the farmer.

ESCROW account for states: From Kharif 2025, every state has to open an ESCROW account and put its premium share in it in advance. This stops the old problem where claims got stuck because a state had not released its money.

Who Can Apply for PMFBY

Any farmer growing a notified crop in a notified area during the notified season can take the cover. Both the village and the crop have to be in the state notification, otherwise the enrolment is not valid. Check the notification for your district before paying the premium.

• Land owning farmers who grow notified crops in the notified area and have papers showing the khasra or khata number.
• Tenant farmers and sharecroppers, who need a tenancy agreement or a tenancy certificate in the form their state asks for.
• Loanee farmers who took a seasonal crop loan or a Kisan Credit Card loan, for whom the cover has been voluntary since Kharif 2020.

Documents Required for Crop Insurance

Papers needed for PMFBY are simple and most farmers already have them at home. Keep scanned copies ready before you start the online form so the upload does not break halfway.

• Aadhaar card, with the mobile number linked to it, since the whole enrolment runs on OTP checks.
• Bank passbook or a cancelled cheque showing the account number and IFSC code, because the claim money comes as a DBT payment.
• Land record with the khasra or khata number, plus a sowing certificate signed by the patwari, sarpanch or village pradhan, and for sharecroppers a copy of the agreement with the land owner.

PMFBY Premium Amount 2026

Premium share of the farmer is capped by the scheme itself, no matter what the actual risk-based rate works out to. So a farmer in a high risk district pays the same percentage as one in a low risk district. Below is the farmer share for each crop group.

Take a simple example given by the Ministry. If a farmer insures one hectare with a sum insured of ₹35,000 and the insurance company charges ₹4,000 as the full premium for a Kharif crop, the farmer pays only ₹800. Remaining ₹3,200 is shared equally by the central and state governments at ₹1,600 each. Several states have gone a step further and waived the farmer share fully, so the cover costs those farmers nothing.

PMFBY Insurance Premium Calculator

Before paying, it is worth checking the exact rupee amount on the calculator. It works out the premium from your state, district, crop and area, so you know the figure in advance and can match it with what the bank or CSC asks for.

STEP 1 - Open the official portal at pmfby.gov.in on your phone or computer.

STEP 2 - On the homepage, click the "Insurance Premium Calculator" tab. It sits right next to the Farmer Corner box.

STEP 3 - Select the season, the year, the scheme name, your state, district and crop, then type the area in hectares.

STEP 4 - Click "Calculate". The page shows the sum insured, the full actuarial premium and the part you have to pay yourself.

Check PMFBY Application Status Online

After enrolling, the policy takes about a week to show up on the portal. If it is still not visible after 15 days, call the helpline or go back to the bank or CSC where you paid.

STEP 1 - Go to pmfby.gov.in and find the "Application Status" banner on the homepage.

STEP 2 - A small form opens asking for your receipt or application number.

STEP 3 - Type the application number, fill the captcha and click "Check Status". The screen shows whether the premium has been received, whether the policy is issued and where the file has reached.

Farmers who have logged in with their mobile number can see the same thing under their account, along with the policy document. The Crop Insurance App shows it too.

PMFBY List 2026 - How to Check Your Name

Insured farmer lists are kept state-wise on the portal. Checking your name is useful before the claim season, because a name missing from the list usually means the enrolment did not go through even if money was deducted.

STEP 1 - Open pmfby.gov.in and go to the reports or statistics section on the homepage menu.

STEP 2 - Choose the season and year, then pick your state, district and block one after the other.

STEP 3 - The list of insured farmers for that block opens on the screen. Look for your name and note the policy number next to it.

If the name is not there but the premium was cut from your account, ask the bank or CSC to give you the application number and policy receipt in writing. Money taken without a policy on record is the bank's responsibility, and the same complaint can be raised on helpline 14447. You can also check the name through the nearest bank branch by giving your application number to the concerned officer.

How to Claim Insurance Amount Under PMFBY

Claim work starts the moment the crop is damaged, and the 72 hour window is the single most important rule in the whole scheme. Most rejected claims are rejected because the farmer reported the loss late.

• Inform the insurance company within 72 hours of the damage, through the Crop Insurance App, the toll free number of your insurer, helpline 14447, your bank or the local agriculture officer.
• Upload geotagged photos of the damaged field from the app, since photo proof is now needed for localised claims, wild animal damage and paddy inundation.
• Bank or the state officer passes the information to the insurance company, which appoints a surveyor within the next 72 hours, and the field survey is done within about 10 days.

Once the survey report is in, the approved amount is sent straight to the Aadhaar linked bank account as a DBT payment, normally within 15 days. If the insurer misses the notified settlement date, the 12% yearly penalty is added on top of the claim.

Crop Insurance App Download

Official Crop Insurance App is run by the Department of Agriculture and Farmers Welfare. It lets you enrol, work out the premium, see your policy and report crop loss with photos, all from the phone.

https://play.google.com/store/apps/details?id=in.farmguide.farmerapp.central

You can also open Play Store on your phone, type "Crop Insurance" in the search box and install the app published by DAC&FW. Do not install look-alike apps from other publishers.

Technology Used Under PMFBY

A lot of the claim work that used to be manual is now done by machines, which is why settlement time has come down over the last few seasons.

YES-TECH uses satellite remote sensing to work out crop yield, with at least 30% weight given to the technology-based figure. It started with paddy and wheat from Kharif 2023 and soybean was added from Kharif 2024. WINDS is building a much bigger network of automatic weather stations at block level and rain gauges at panchayat level, so a weather claim is backed by local data instead of a far away district reading.

CROPIC, short for Collection of Real-time Observations and Photo of Crops, uses AI to read geotagged field photos taken 4 to 5 times in a season. It ran as a pilot in 50 districts during Kharif 2025 and Rabi 2025-26 and is being widened from 2026. You can read about it at pmfby.gov.in/cropic. DigiClaim links the crop insurance portal with the Public Finance Management System so approved claims move to bank accounts without manual handling.

Toll Free Numbers of PMFBY Insurance Companies

Every state gives the work to one or more empanelled insurance companies, and the toll free number of your insurer is printed on the policy receipt. Below are the numbers of the companies working under PMFBY.

PMFBY Crop Loss Reporting Contacts

If the toll free number is busy, a written complaint by email works as well and gives you a record. Email addresses and head office addresses of the insurers are given below.

PMFBY Benefits and Main Features

Two things the scheme protects are the money a farmer has put into the field and the yield he expects out of it. Cover runs across four windows. Prevented sowing pays up to 25% of the sum insured when bad weather stops sowing altogether. Standing crop losses cover drought, dry spell, flood, inundation, landslide, storm, hailstorm, lightning, fire, pests and disease. Post-harvest losses are covered for up to 14 days from harvesting when the crop is lying in cut and spread condition. Localised calamities are settled on an individual field basis.

Premium stays low because the government pays 95% to 98.5% of it. Claims land straight in the bank account as a DBT payment, with no middleman. Enrolment, premium calculation and loss reporting all work from a single app. War, nuclear risk, riots, theft, malicious damage and loss caused by the farmer's own carelessness are not covered.

Farmers taking PMFBY are usually also getting income support under PM Kisan Samman Nidhi Yojana, and the two work well together, one covering the risk and the other covering the running cost of the season.

PMFBY Guidelines PDF

Full rules of the scheme, including how claims are worked out and what each add-on cover means, are in the operational guidelines. Farmers who want to check a specific rule before arguing a claim should read the relevant paragraph from here.

PMFBY Operational Guidelines (Revamped): Download the operational guidelines PDF

Older versions, the Hindi copy and the separate RWBCIS guidelines can be downloaded from the guidelines page on pmfby.gov.in.

Fasal Bima Yojana Complaint and Grievance Section

For any technical problem on the portal, there is a complaint form on the homepage. Click the "Complaints" or "Grievance" section to open it, fill your details and the problem, and submit. You get a ticket number to follow up with.

PMFBY Helpline Number

Krishi Rakshak Portal and Helpline (KRPH) is the single point for all PMFBY problems. Call the toll free number 14447 from anywhere in India. It works in many languages and is linked to the insurance company databases, so the person on the call can see your policy. Every complaint gets a ticket number and a fixed time to be settled.

There is also a WhatsApp chatbot on 7065514447. For written queries, farmers can email help.agri-insurance@gov.in. The toll free number of your own insurance company, listed in the table above, is the fastest route for a crop loss report.

FAQ's

What is the last date for PMFBY in 2026?

For Kharif 2026 the cut-off was 31 July 2026 in most states, and Odisha extended it to 15 August 2026. Rabi 2026-27 enrolment normally closes on 31 December 2026. Dates change from state to state, so check your district notification on pmfby.gov.in.

Is crop insurance compulsory for KCC loan holders?

No. It was compulsory earlier, but since Kharif 2020 the cover is voluntary for loanee farmers too. Your bank will deduct the premium unless you give a written opt-out before the cut-off date.

How much premium does a farmer pay under PMFBY?

2% of the sum insured for Kharif crops, 1.5% for Rabi crops and 5% for yearly commercial and horticulture crops. The rest is paid by the central and state governments. Some states pay the farmer share as well, making the cover free there.

What is the new cover added from Kharif 2026?

Two new covers start from Kharif 2026. Crop loss from wild animal attack has been added as the fifth add-on cover under localised risks, and paddy inundation has been brought back as a localised calamity after being dropped in 2018.

How soon do I have to report crop damage?

Within 72 hours of the loss. Use the Crop Insurance App with geotagged photos, or call 14447 or your insurer's toll free number. Reporting late is the most common reason claims get rejected.

How long does the claim money take to reach my account?

After the field survey is done, the approved amount usually reaches the Aadhaar linked bank account within 15 days as a DBT payment. If the insurer pays after the notified date, a 12% yearly penalty is added to the claim.

Premium was deducted but my name is not in the list, what should I do?

Ask the bank or CSC for the application number and policy receipt in writing, then check the status on the portal with that number. If it still does not show, raise a complaint on 14447 and keep the ticket number.

Can a tenant farmer take crop insurance?

Yes. Tenants and sharecroppers growing notified crops in notified areas can enrol. They need a tenancy agreement or tenancy certificate in the form their state accepts, along with the khasra or khata number of the land.

For more details on the scheme, visit the official website at pmfby.gov.in or call the helpline on 14447.