Pradhan Mantri Fasal Bima Yojana (PMFBY) 2026: Crop Insurance Portal Registration, Claim Status, and Premium Rates

The Union Ministry of Agriculture and Farmers Welfare released updated operational guidelines for the Pradhan Mantri Fasal Bima Yojana (PMFBY) on August 3, 2026, simplifying online enrollment, accelerating claim settlement timelines, and integrating satellite-based crop damage assessments.

As one of the world's largest crop insurance schemes by farmer enrollment, PMFBY provides agricultural households with comprehensive financial protection against yield losses caused by unseasonal rains, drought, floods, and pest infestations during Kharif and Rabi seasons.

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Table of Contents

1. Executive Summary: PMFBY Scheme Overview
2. Farmer Premium Rates & Government Subsidies
   • 2.1 Premium Rates for Kharif, Rabi, & Commercial Crops
   • 2.2 Shared Subsidy Distribution Between Centre & States
3. Coverage Risks: From Prevented Sowing to Post-Harvest Losses
4. Technology Integration: CropIC, Satellite Drones, & Direct Claim Settlement
5. Step-by-Step Online Registration & Claim Status Tracking
6. Frequently Asked Questions (FAQ)
7. Conclusion: Protecting Agricultural Livelihoods Across India

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1. Executive Summary: PMFBY Scheme Overview

PMFBY safeguards agricultural incomes against climate risks:

               PMFBY CROP INSURANCE SCHEME - AT A GLANCE
               
   • Scheme Name: Pradhan Mantri Fasal Bima Yojana (PMFBY)
   • Administering Body: Ministry of Agriculture & Farmers Welfare
   • Premium Rates: 2.0% (Kharif), 1.5% (Rabi), 5.0% (Commercial / Horticultural)
   • Assessment Technology: Satellite Remote Sensing, Drones, & Yield Estimation Apps
   • Claim Settlement: Direct Benefit Transfer (DBT) into Aadhaar-Linked Bank Accounts

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2. Farmer Premium Rates & Government Subsidies

2.1 Premium Rates for Kharif, Rabi, & Commercial Crops

Under PMFBY, farmers pay a minimal uniform premium rate, with the remaining actuarial premium shared equally by the Central Government and respective State Governments:

• Kharif Crops (Foodgrain & Oilseeds): Maximum 2.0% of Sum Insured
• Rabi Crops (Foodgrain & Oilseeds): Maximum 1.5% of Sum Insured
• Annual Commercial & Horticultural Crops: Maximum 5.0% of Sum Insured

2.2 Shared Subsidy Distribution Between Centre & States

The remaining premium cost above the farmer's contribution is subsidized up to 90% in North Eastern states and 50% in other states, ensuring affordable risk coverage.

                    PMFBY CLAIM SETTLEMENT PIPELINE
                    
   ┌─────────────────────────────────────────────────────────────┐
   │ 1. Farmer Intimation of Crop Loss within 72 Hours via App   │
   ├─────────────────────────────────────────────────────────────┤
   │ 2. Automated Drone & Satellite Assessment of Affected Land  │
   ├─────────────────────────────────────────────────────────────┤
   │ 3. Direct Benefit Transfer (DBT) Claim Payout into Bank Acc │
   └─────────────────────────────────────────────────────────────┘

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3. Coverage Risks: From Prevented Sowing to Post-Harvest Losses

PMFBY covers the entire crop cycle:

• Prevented Sowing / Seeding Risk: Cover when adverse weather prevents planting.
• Standing Crop Losses: Damage from localized storms, hailstorms, inundation, and landslides.
• Post-Harvest Losses: Coverage up to 14 days after harvesting for crops left drying in the field.

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4. Technology Integration: CropIC, Satellite Drones, & Direct Claim Settlement

Using YES-TECH (Yield Estimation System based on Technology) and CropIC (Crop Insurance Collection apps), loss assessments no longer rely solely on slow manual Crop Cutting Experiments (CCEs). Satellite imagery and drone footage calculate yield losses automatically, accelerating claim settlement times to under 21 days.

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5. Step-by-Step Online Registration & Claim Status Tracking

Farmers can enroll voluntary non-loanee accounts via the official National Crop Insurance Portal (pmfby.gov.in) or Common Service Centres (CSCs):

1. Visit pmfby.gov.in and select "Farmer Corner".
2. Enter Aadhaar card number, land survey/khasra details, and bank account info.
3. Pay the discounted premium using UPI or net banking.
4. Download the digital policy receipt for instant coverage tracking.

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6. Frequently Asked Questions (FAQ)

Q1: Is PMFBY mandatory for farmers taking bank loans (loanee farmers)?

No. Enrollment in PMFBY is 100% voluntary for both loanee and non-loanee farmers.

Q2: What is the deadline to report individual crop damage under PMFBY?

Farmers must intimate crop loss within 72 hours of the event through the Crop Insurance App, toll-free helpline, or nearest bank branch.

Q3: How are claim amounts transferred to eligible farmers?

Claim payouts are transferred directly into the farmer's Aadhaar-linked bank account via Direct Benefit Transfer (DBT).

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7. Conclusion: Protecting Agricultural Livelihoods Across India

The Pradhan Mantri Fasal Bima Yojana continues to strengthen India's agricultural safety net. By leveraging satellite imagery, drone surveys, and low premium rates, PMFBY empowers millions of farmers to invest in sustainable, high-yield agriculture without fear of weather disasters.