🌦️ Farmers & Agriculture

PM Fasal Bima Yojana (Crop Insurance)

PM Fasal Bima Yojana (PMFBY) is the Central Government's crop insurance scheme. If your crop is damaged by drought, flood, cyclone, unseasonal rain, pests or disease, you get compensation. Farmers pay a small premium, at most 1.5% of the sum insured for Rabi food and oilseed crops, and the governments pay the rest.

Last updated: 15 October 2026Central Government scheme

Your premium1.5% Rabi · 2% Kharif

Commercial / horticultureUp to 5%

AP Rabi 2026-27Enrol by 15 Dec (paddy 31 Dec)

Helpline14447

What is PM Fasal Bima Yojana?

PMFBY was launched on 18 February 2016. It protects farmers against crop loss from natural calamities, pests and diseases, from sowing to just after harvest. The Centre has allocated ₹12,200 crore for it in 2026-27, and it is run by 25 states and union territories. Claims are paid directly into the farmer's bank account.

Latest update: Rabi 2026-27

Andhra Pradesh is continuing PMFBY (and the weather-based scheme RWBCIS) for Kharif 2026 and Rabi 2026-27. Last dates to enrol:
- Rabi crops other than paddy: 15 December 2026
- Paddy: 31 December 2026
- RWBCIS: cashew by 15 November, tomato by 15 December
In AP the state paid the full premium for farmers in 2023 and 2024, but stopped this in 2025. Farmers now pay their own small share.
Telangana left PMFBY in 2019-20. In late September 2026 the state said it plans to bring back crop insurance from the Yasangi 2026-27 season, but no official notification with dates has been issued yet (15 October 2026). Check with your Agriculture Extension Officer before relying on it.

Don't wait for the last week. If you miss the cut-off date, your crop is not covered for the whole season.

How much is the premium?

Crop	Farmer pays (maximum)
Kharif food grains and oilseeds	2% of the sum insured
Rabi food grains and oilseeds	1.5% of the sum insured
Commercial and horticulture crops	5% of the sum insured

The rest of the premium is paid by the Central and State governments, 50:50. Example: if the sum insured for your crop is ₹50,000 per hectare, your Rabi premium is at most ₹750 per hectare.

What is covered?

Yield loss in standing crops from drought, dry spells, floods, inundation, cyclones, hailstorms, lightning, pests and diseases (assessed for your notified area).
Prevented sowing: if bad weather stops you from sowing after spending money, up to 25% of the sum insured.
Post-harvest loss: crops left to dry in the field are covered for up to 14 days after harvest against cyclones and unseasonal rain.
Localised calamities on your own field: hailstorm, landslide, inundation, cloudburst and natural fire.

Not covered: war, nuclear risks, riots, theft, and losses that could have been prevented, or crops and areas that are not notified.

Who can enrol?

All farmers growing notified crops in notified areas, including tenant farmers and sharecroppers with the documents the state asks for.
Loanee farmers (with a crop loan or KCC) are enrolled by the bank, and the premium is deducted from the loan. In AP you can opt out by giving a declaration at least 7 days before the cut-off date.
Non-loanee farmers can join voluntarily.

How to enrol

Go to your bank branch or PACS, a Common Service Centre (CSC) (no extra fee), or use the farmer corner on pmfby.gov.in or the Crop Insurance app.
Give your land record (pattadar passbook / 1-B / Adangal) or tenancy agreement or sowing certificate, Aadhaar, bank passbook and the crop you have sown.
In AP, a valid Agristack farmer ID is also required.
Pay your premium share and keep the receipt or application number. You can check it on pmfby.gov.in.

If your crop is damaged

For damage to your own field (hailstorm, inundation, post-harvest rain), report it within 72 hours to the insurance company through the helpline 14447, the Crop Insurance app, your bank or the agriculture officer.
For widespread loss, claims are worked out from crop cutting experiments and yield data for your area, and paid to your bank account.

Official portal: pmfby.gov.in · Helpline: 14447 (Krishi Rakshak)
Help: your bank, CSC, Rythu Seva Kendram (AP) or Agriculture Extension Officer (Telangana)

Frequently asked questions

How much premium do farmers pay under PMFBY?

At most 2% of the sum insured for Kharif food and oilseed crops, 1.5% for Rabi food and oilseed crops, and 5% for commercial and horticulture crops.

What is the last date for PMFBY Rabi 2026-27 in Andhra Pradesh?

15 December 2026 for notified Rabi crops other than paddy, and 31 December 2026 for paddy.

Is PM Fasal Bima Yojana available in Telangana?

Telangana left PMFBY in 2019-20. In September 2026 it said it plans to bring back crop insurance from Yasangi 2026-27, but no official notification had been issued as of 15 October 2026.

Can tenant farmers get crop insurance?

Yes. Tenant farmers and sharecroppers can enrol with the documents the state asks for, such as a tenancy agreement or sowing certificate.

How do I report crop damage?

For damage on your own field, report within 72 hours to the insurance company through helpline 14447, the Crop Insurance app, your bank or the agriculture officer.

Sources

This guide is for general information only. Scheme rules, amounts and dates can change. Always check the official portal before applying. Kramavriddhi is not affiliated with the Government of India.