Pradhan Mantri Fasal Bima Yojana 2025: Complete Guide to Application, Eligibility, and Benefits

The Pradhan Mantri Fasal Bima Yojana (PMFBY), launched in 2016 by the Government of India, has emerged as a cornerstone of agricultural risk management, offering farmers a financial safety net against crop losses caused by unpredictable natural calamities, pests, and diseases. As the scheme marks its ninth anniversary in February 2025, it continues to evolve, with significant updates and an extended timeline until 2025-26, backed by a substantial budget of ₹69,515.71 crore. This article delves into the intricacies of PMFBY in 2025, exploring its objectives, features, recent updates, benefits, challenges, and the way forward, while highlighting its transformative impact on Indian agriculture.

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Introduction to PMFBY

The PMFBY, administered by the Ministry of Agriculture and Farmers’ Welfare, was introduced to replace earlier crop insurance schemes like the National Agricultural Insurance Scheme (NAIS) and Modified NAIS. Designed under the "One Nation, One Scheme" theme, PMFBY integrates the best features of its predecessors while addressing their shortcomings. The scheme aims to stabilize farmers’ incomes, promote sustainable agriculture, and ensure the flow of credit to the agricultural sector by mitigating risks associated with crop failures.

Pradhan Mantri Fasal Bima Yojana

Since its inception, PMFBY has provided comprehensive coverage for food crops, oilseeds, and commercial/horticultural crops, protecting farmers from losses due to natural disasters such as droughts, floods, hailstorms, and cyclones, as well as pest attacks and post-harvest losses. By 2025, the scheme has paid out over ₹1.70 lakh crore in claims, benefiting millions of farmers across India. The recent extension of PMFBY and the Restructured Weather-Based Crop Insurance Scheme (RWBCIS) until 2025-26, coupled with technological advancements and enhanced grievance redressal mechanisms, underscores the government’s commitment to strengthening agricultural resilience.

Pradhanmantri Dhan Dhanya Krishi Yojana

Pradhan Mantri Fasal Bima Yojana Highlights

Scheme	Pradhan Mantri Fasal Bima Yojana
Launch Year	Launched in 2016 under the "One Nation, One Scheme" theme to replace earlier crop insurance schemes like NAIS and Modified NAIS.
Objective	Provides financial protection against crop losses due to natural calamities, pests, and diseases; stabilizes farmers’ incomes; promotes modern agricultural practices; ensures credit flow and food security.
Budget (2021-26)	₹69,515.71 crore allocated for PMFBY and Restructured Weather-Based Crop Insurance Scheme (RWBCIS) until 2025-26.
Total Claims Paid	Over ₹1.70 lakh crore disbursed in claims, benefiting millions of farmers since inception.
Premium Rates	Farmers pay 2% for Kharif crops, 1.5% for Rabi crops, and 5% for commercial/horticultural crops; remaining premium subsidized by Central and State Governments (90:10 ratio for Northeastern states).
Coverage	Covers food crops (e.g., rice, wheat), oilseeds (e.g., mustard), and commercial/horticultural crops; includes risks from prevented sowing, standing crop losses, post-harvest losses (within 14 days), localized calamities, pests, diseases, and wild animal attacks (select areas).
Recent Payouts (2025)	₹3,200 crore released on August 11, 2025, for 30 lakh farmers; additional ₹8,000 crore planned; 12% interest penalty for delayed claim payments by insurance companies.
Application Process	Online: Via pmfby.gov.in or Crop Insurance App; register with Aadhaar, upload documents, pay premium online. Offline: Through banks, Common Service Centers (CSCs), or insurance offices with physical documents and cash/bank payment.
Claim Process	Report crop loss within 72 hours via PMFBY portal, app, or helpline; claims assessed using Area Approach or technology; paid within two months of harvest via Direct Benefit Transfer (DBT).

Namo Drone Didi Scheme

Objectives of PMFBY

The PMFBY is built on four primary objectives:

Financial Support for Crop Losses: To provide insurance coverage and financial assistance to farmers in the event of crop failure due to natural calamities, pests, or diseases.
Income Stabilization: To ensure farmers’ incomes remain stable, preventing financial distress and debt traps during adverse conditions.
Promotion of Modern Practices: To encourage farmers to adopt innovative and modern agricultural practices, enhancing productivity and sustainability.
Credit Flow and Food Security: To ensure the flow of credit to the agriculture sector, supporting food security, crop diversification, and sectoral growth.

These objectives align with the broader goal of fostering a resilient agricultural ecosystem capable of withstanding the challenges posed by climate change and market uncertainties.

PM viksit bharat rozgar yojana

Key Features of PMFBY in 2025

The PMFBY is distinguished by its farmer-friendly features, which have been further refined in 2025 to enhance accessibility, transparency, and efficiency:

Affordable Premium Rates: Farmers pay a nominal premium of 2% for Kharif crops, 1.5% for Rabi crops, and 5% for commercial/horticultural crops. The remaining premium is subsidized by the Central and State Governments, with a 90:10 ratio for Northeastern states to encourage participation.
Voluntary Participation: Since 2020, the scheme has been optional for all farmers, including those with Crop Loans or Kisan Credit Cards (KCC), increasing its voluntary acceptability. In 2023-24, non-loanee farmers accounted for 55% of total coverage, reflecting the scheme’s growing popularity.
Comprehensive Risk Coverage: PMFBY covers risks from pre-sowing to post-harvest stages, including prevented sowing, standing crop losses, localized calamities, and post-harvest losses due to events like hailstorms and landslides. Losses from wild animal attacks are also included in some areas.
Technology Integration: The scheme leverages advanced technologies such as remote sensing, drones, and AI-based yield estimation to ensure accurate and timely claim settlements. The Yield Estimation System using Technology (YES-TECH), implemented in nine states, minimizes reliance on manual crop-cutting experiments, with Madhya Pradesh adopting 100% technology-based yield estimation in 2023-24.
Area-Based Approach: Insurance is provided on an "Area Approach" basis, with the unit of insurance defined at the village or village panchayat level for major crops, ensuring uniform risk assessment for farmers in a notified area.
No Upper Limit on Subsidy: The government bears the balance premium, even if it constitutes 90% of the total, ensuring affordability for farmers.
Grievance Redressal Mechanism: The introduction of the Krishi Rakshak Portal and Helpline (KRPH) (toll-free: 14447) in 2025 enhances transparency and facilitates real-time complaint resolution. District and State Grievance Redressal Committees (DGRC and SGRC) further streamline dispute resolution.

Pradhanmantri Matru Vandana Yojana

Recent Updates PMFBY in 2025

The year 2025 has brought significant updates to PMFBY, reinforcing its role as a vital tool for farmer welfare:

Extension Until 2025-26: In January 2025, the Union Cabinet, chaired by Prime Minister Narendra Modi, approved the continuation of PMFBY and RWBCIS with a budget of ₹69,515.71 crore for 2021-22 to 2025-26. This ensures sustained financial support for farmers facing crop losses.
Fund for Innovation and Technology (FIAT): A ₹824.77 crore fund has been established to promote technological advancements. Key initiatives include:YES-TECH: Expands remote sensing for yield estimation, currently operational in states like Andhra Pradesh, Assam, Haryana, and Maharashtra, with plans to onboard others.
Weather Information and Network Data Systems (WINDS): Aims to install Automatic Weather Stations (AWS) at the block level and Automatic Rain Gauges (ARGs) at the panchayat level to provide hyper-local weather data. Implementation began in 2024-25 in states like Kerala, Uttar Pradesh, and Karnataka.
₹3,200 Crore Payout: On August 11, 2025, Union Agriculture Minister Shivraj Singh Chouhan announced the release of ₹3,200 crore to benefit 30 lakh farmers affected by natural disasters, with an additional ₹8,000 crore to follow. A 12% interest penalty was introduced for insurance companies delaying claim payments, ensuring timely compensation.
Support for Northeastern States: The Central Government will cover 90% of the premium subsidy for Northeastern states, with flexibility to reallocate unused funds to other development projects.
Extended Deadlines: In response to heavy rainfall in states like Maharashtra, Himachal Pradesh, and Uttar Pradesh, the government extended the deadline for crop loss compensation claims for Kharif 2025, urging farmers to enroll by July 31, 2025.
Aadhaar Updates: Farmers are encouraged to update their Aadhaar details to streamline enrollment and claim processes, ensuring seamless integration with the National Crop Insurance Portal (NCIP).

Eligibility Criteria for PMFBYB

efore applying, farmers must ensure they meet the eligibility requirements:Eligible Farmers: All farmers, including landowners, tenant farmers, and sharecroppers, growing notified crops in notified areas are eligible.

Insurable Interest: Farmers must have a verifiable interest in the crop (ownership or legal tenancy agreement).
Non-Loanee Farmers: Must provide land documents like Land Possession Certificate (LPC), Record of Rights (ROR), or tenancy agreements.
Loanee Farmers: Automatically enrolled if they have a crop loan or Kisan Credit Card (KCC), but can opt out if desired.
Crop Notification: The crops must be notified by the state government for coverage under PMFBY.
No Dual Compensation: Farmers cannot claim compensation from other sources for the same crop loss.

Documents Required for PMFBY Application

Whether applying online or offline, farmers need to prepare the following documents:

Identity Proof: Aadhaar card (mandatory for online applications, as it must be linked to a mobile number).
Address Proof: Any government-issued document like a Voter ID or ration card.
Land Documents: For landowners: Land Possession Certificate (LPC), Record of Rights (ROR), Khasra Number, or Khata Number.
For tenant/sharecropper farmers: Tenancy agreement with the landowner, including Khasra/Khata Number.
Sowing Certificate: A document signed by a Patwari, Sarpanch, or village Pradhan confirming the crop sown (requirements may vary by state).
Bank Details: Bank passbook or canceled cheque for Direct Benefit Transfer (DBT) of claims.
Crop Details: Information on the crop type, area sown (in hectares), and season (Kharif or Rabi).
Mobile Number and Email ID: Required for online applications to receive updates and OTP verification.

Application Process for Pradhan Mantri Fasal Bima Yojana (PMFBY) 2025

The PMFBY allows farmers to apply for crop insurance through both online and offline modes, making it accessible to farmers across India, including those in rural areas with limited internet access. The process is designed to be straightforward, with provisions for both loanee farmers (those with crop loans or Kisan Credit Cards) and non-loanee farmers. Below, we outline the detailed steps for each method.

Online Application Process for PMFBY 2025

The online application process is facilitated through the official PMFBY portal (pmfby.gov.in) and is ideal for non-loanee farmers or those comfortable with digital platforms. Here’s a step-by-step guide:

Visit the Official PMFBY Portal:

Go to the official website: pmfby.gov.in.
Ensure you have a stable internet connection and a device (smartphone, laptop, or desktop).

Access the Farmer Corner:

On the homepage, locate the “Farmer Corner – Apply for Crop Insurance by Yourself” section and click on it.
Alternatively, you can find the direct link for farmer registration under the “Guest Farmer” tab.

Register as a New User:

Click on “Guest Farmer” to open the registration form.

Fill in the required details:

Farmer Details: Name, Aadhaar number (verified via OTP), and mobile number (linked to Aadhaar).
Residential Details: State, district, block, and village.
Farmer ID: Aadhaar number for verification.
Bank Account Details: Account number, IFSC code, and bank name.
Captcha Code: Enter the code displayed on the screen.
Click “Create User” to complete the registration process.

Log In and Complete the Application:

After registration, log in using your registered mobile number and password.

Fill out the crop insurance application form, including:

Crop details (type, season, and area sown in hectares).
Land details (Khasra/Khata Number or tenancy agreement).
Upload scanned copies of required documents (Aadhaar, bank passbook, sowing certificate, and land records).

Calculate and Pay the Premium:

Use the Insurance Premium Calculator on the portal:

Go to the homepage and click “Insurance Premium Calculator.”
Enter details like crop season (Kharif/Rabi), year, state, district, crop type, and farm area.
Click “Calculate” to view the premium amount (2% for Kharif, 1.5% for Rabi, 5% for commercial/horticultural crops).
Pay the premium online using net banking, debit/credit card, or UPI.

Note: The remaining premium is subsidized by the government.

Submit the Application:

Review all details, submit the application, and download the acknowledgment receipt or application form.
Save the receipt or print a copy for future reference, as it includes the Application Number needed for tracking or filing claims.

Track Application Status:

Return to the PMFBY portal and click “Application Status – Know Your Application Status on Every Step.”
Enter your Application Number and captcha code, then click “Check Status” to monitor your application.

Additional Tools:

Download the Crop Insurance App from the Google Play Store (search for “Crop Insurance”) to manage registration, premium calculations, and claim reporting.
Use the PMFBY WhatsApp Chatbot (available on the official website) to access policy documents, premium details, and helpline services.

Offline Application Process for PMFBY 2025

The offline application process is designed for farmers who prefer in-person submission or lack access to digital platforms. It can be done through banks, Common Service Centers (CSCs), or insurance company offices. Here’s a detailed guide:

Visit an Authorized Institution:

Approach any of the following:

Nationalized Commercial Banks, Cooperative Banks, or Regional Rural Banks: These are authorized to process PMFBY applications.
Common Service Centers (CSCs): Locate a nearby CSC through the CSC Locator on pmfby.gov.in.
Insurance Company Offices: Contact empanelled insurance companies listed on the PMFBY portal.

Obtain the Application Form:

Request the PMFBY application form from the bank, CSC, or insurance office.
Some institutions may provide a pre-filled form for loanee farmers, as their details are linked to crop loans or KCC.

Fill Out the Application Form:

Provide accurate details, including:

Personal information (name, Aadhaar number, mobile number).
Crop details (type, season, and area sown).
Land details (Khasra/Khata Number or tenancy agreement).
Bank account details for claim transfers.

Ensure all information matches the supporting documents.

Submit Required Documents:

Attach physical copies of:

Aadhaar card.
Bank passbook or canceled cheque.
Sowing certificate (signed by Patwari, Sarpanch, or village Pradhan).
Land documents (LPC, ROR, or tenancy agreement).
Requirements for the sowing certificate may vary by state; check with the bank or CSC for state-specific guidelines.

Pay the Premium:

The bank or CSC will calculate the premium based on the crop type (2% for Kharif, 1.5% for Rabi, 5% for commercial/horticultural crops).
Pay the premium in cash or through bank transfer, as applicable.
For loanee farmers, the premium may be deducted directly from their crop loan account.

Receive Acknowledgment:

After submission, the bank or CSC will provide an acknowledgment receipt with an Application Number.
Keep this receipt safe, as it is required for tracking the application status or filing claims.

Follow-Up:

Visit the bank or CSC to check the status of your application, using the Application Number.
Alternatively, check the status online at pmfby.gov.in by entering the Application Number under the “Application Status” section.

Key Differences Between Online and Offline Processes

Aspect	Online Application	Offline Application
Platform	PMFBY portal or Crop Insurance App	Banks, CSCs, or insurance company offices
Accessibility	Requires internet and digital literacy	Suitable for farmers with limited digital access
Documents	Scanned copies uploaded online	Physical copies submitted
Premium Payment	Online via net banking, UPI, or cards	Cash or bank transfer at the institution
Convenience	Can be done from home; self-managed	Requires visiting an institution
Support	WhatsApp Chatbot, helpline (14447)	In-person assistance from bank/CSC staff

Benefits of PMFBY

The PMFBY offers numerous benefits to farmers:

Financial Protection: Shields farmers from losses due to natural disasters, pests, diseases, and post-harvest risks.
Income Stability: Prevents financial distress, enabling farmers to recover and continue farming.
Encourages Innovation: Promotes the adoption of modern farming practices and technologies.
Credit Access: Facilitates agricultural loans, supporting food security and crop diversification.
Timely Compensation: Technology-driven claim settlements ensure quick payouts, often within two months of harvest.
Nationwide Reach: Covers a wide range of crops and risks, benefiting both loanee and non-loanee farmers.

Achievements of PMFBY

By 2025, PMFBY has achieved significant milestones:

Expansive Coverage: Over 55% of coverage in 2023-24 was for non-loanee farmers, indicating voluntary acceptance.
Massive Claim Payouts: Disbursed ₹1.70 lakh crore in claims over eight years, supporting millions of farmers.
Technology Integration: Adoption of remote sensing, drones, and AI has reduced delays in claim settlements.
Inclusion of Localized Risks: Covers isolated events like hailstorms and landslides, addressing farmers’ specific needs.

Challenges and Failures

Despite its successes, PMFBY faces several challenges:

Exclusion Errors: Lack of clarity in selecting major crops leads to the exclusion of farmers growing non-notified crops.
Incomplete Coverage: Does not cover price risks or market shocks, limiting its scope.
Delays in Claims: Insufficient trained professionals for crop-cutting experiments and unreliable technology cause delays.
State Withdrawals: States like Gujarat, Bihar, and West Bengal have opted out due to high premium subsidy costs.
Low Awareness: A CAG report noted that two-thirds of farmers were unaware of the scheme.
Grievance Redressal Gaps: Only 15 states/UTs have notified Grievance Redressal Committees as mandated.

Way Forward

To address these challenges, several measures are recommended:

State-Level Improvements: Increase funding for rural infrastructure and technology adoption to enhance implementation.
Insurance Company Accountability: Enforce strict timelines for claim settlements and introduce competitive products.
Awareness Campaigns: Launch mandatory programs via radio, campaigns, and farmer meetings to boost awareness.
Holistic Approach: Combine PMFBY with efforts in irrigation, soil conservation, and public delivery systems.
Technology Expansion: Scale up YES-TECH and WINDS nationwide to eliminate manual processes and improve accuracy.

Conclusion

The Pradhan Mantri Fasal Bima Yojana in 2025 stands as a robust mechanism to safeguard Indian farmers from the vagaries of nature and market uncertainties. With a massive budget, technological innovations, and a focus on transparency, the scheme is poised to strengthen agricultural resilience. However, addressing challenges like low awareness, state withdrawals, and incomplete risk coverage is crucial to realizing its full potential. By empowering farmers with financial security and promoting sustainable practices, PMFBY continues to be a beacon of hope for India’s agrarian community, ensuring their livelihoods are protected in an era of climate unpredictability.

Official Website	Click Here
PMFBY Operational Guidelines PDF	Click Here
Central Government Scheme	Click Here
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FAQs: Pradhan Mantri Fasal Bima Yojana (PMFBY) 2025

Q. What is the Pradhan Mantri Fasal Bima Yojana (PMFBY)?

The Pradhan Mantri Fasal Bima Yojana (PMFBY), launched in 2016 by the Government of India, is a crop insurance scheme designed to provide financial protection to farmers against crop losses caused by natural calamities like droughts, floods, hailstorms, cyclones, as well as pests, diseases, and post-harvest losses. Administered by the Ministry of Agriculture and Farmers’ Welfare, it aims to stabilize farmers’ incomes, promote sustainable agricultural practices, and ensure credit flow to the agriculture sector. With a budget of ₹69,515.71 crore until 2025-26, PMFBY has disbursed over ₹1.70 lakh crore in claims, benefiting millions of farmers across India.

Q. Who is eligible to enroll in PMFBY?

Farmers, including landowners, tenant farmers, and sharecroppers, growing notified crops in areas designated by state governments are eligible for PMFBY. They must have an insurable interest in the crop, supported by valid land ownership documents or tenancy agreements. Loanee farmers with Crop Loans or Kisan Credit Cards (KCC) are automatically enrolled unless they opt out, while non-loanee farmers can apply voluntarily by providing required documents like Aadhaar, land records, and sowing certificates. Farmers who have received compensation from other sources for the same crop loss are not eligible.

Q. What crops are covered under PMFBY?

PMFBY provides insurance coverage for a wide range of crops, including food crops such as rice, wheat, and millets, oilseeds like groundnut and mustard, and commercial or horticultural crops such as cotton, sugarcane, fruits, and vegetables. The crops must be officially notified by the state government for coverage in specific areas, typically at the village or panchayat level. Farmers should check with their state’s agriculture department or the PMFBY portal to confirm which crops are covered in their region.

Q. What risks are covered under PMFBY?

The scheme offers comprehensive risk coverage from pre-sowing to post-harvest stages. It includes losses due to prevented sowing caused by adverse weather, standing crop failures from natural calamities like floods, droughts, cyclones, or hailstorms, and post-harvest losses within 14 days of harvest due to cyclonic rains, hailstorms, or landslides. Additionally, PMFBY covers localized calamities like inundation or cloudbursts affecting isolated farms, as well as losses from uncontrollable pests and diseases. In select areas, losses due to wild animal attacks are also covered, subject to state notification.

Q. What are the premium rates for PMFBY?

Under PMFBY, farmers pay affordable premium rates: 2% of the sum insured for Kharif crops, 1.5% for Rabi crops, and 5% for commercial or horticultural crops. The Central and State Governments subsidize the remaining premium, with no upper limit on the subsidy to ensure affordability. For Northeastern states, the Central Government covers 90% of the premium subsidy, making the scheme highly accessible. Farmers can use the Insurance Premium Calculator on the PMFBY portal to estimate their contribution based on crop type and area.

Q. Is PMFBY mandatory for farmers?

Since 2020, PMFBY has been voluntary for all farmers, including those with Crop Loans or Kisan Credit Cards (KCC). Loanee farmers are automatically enrolled through their banks, with premiums deducted from their loan accounts, but they can opt out by submitting a written request to their bank before the enrollment deadline (e.g., July 31, 2025, for Kharif crops). Non-loanee farmers can choose to enroll voluntarily, either online or offline, making the scheme flexible and farmer-friendly.

Q. How can farmers apply for PMFBY?

Farmers can apply for PMFBY through online or offline modes. For the online process, visit pmfby.gov.in, register in the “Farmer Corner” using Aadhaar and a linked mobile number, fill out the application with crop and land details, upload documents (Aadhaar, land records, bank details, sowing certificate), and pay the premium via net banking, UPI, or cards. Offline, farmers can visit authorized banks, Common Service Centers (CSCs), or insurance company offices, submit physical copies of documents, and pay the premium in cash or through bank transfer. Both methods require adherence to deadlines, such as July 31, 2025, for Kharif crops.

Q. What documents are required to apply for PMFBY?

To apply for PMFBY, farmers need to submit identity proof (Aadhaar card, mandatory for online applications), address proof (e.g., Voter ID), land documents (Land Possession Certificate, Record of Rights, or tenancy agreement for tenant farmers), a sowing certificate signed by a Patwari, Sarpanch, or village Pradhan (requirements vary by state), and bank details (passbook or canceled cheque) for claim transfers. For online applications, scanned copies of these documents are uploaded, while offline applications require physical copies to be submitted at banks or CSCs.

Q. How can farmers calculate their premium under PMFBY?

Farmers can calculate their premium using the Insurance Premium Calculator on the PMFBY portal (pmfby.gov.in). By entering details such as crop season (Kharif or Rabi), year, state, district, crop type, and area sown (in hectares), the tool displays the farmer’s premium contribution (2% for Kharif, 1.5% for Rabi, or 5% for commercial crops). For example, for a 1-hectare rice field with a sum insured of ₹40,000 in the Kharif season, the farmer pays ₹800 (2%), with the government subsidizing the rest.

Q. How do farmers file a claim under PMFBY?

In case of crop loss, farmers must report the damage within 72 hours of the event to the Agriculture Department, insurance company, or via the PMFBY portal, Crop Insurance App, or Krishi Rakshak Helpline (14447). They need to provide the Application Number, details of the loss, and supporting evidence (e.g., photos or local verification). Claims are assessed using an Area Approach (village/panchayat level) or technology like remote sensing and drones. Compensation is directly transferred to the farmer’s bank account within two months of harvest, subject to verification.

Q. What is the role of technology in PMFBY?

PMFBY leverages advanced technologies to enhance efficiency and transparency. The Yield Estimation System using Technology (YES-TECH) uses remote sensing, drones, and AI for accurate yield estimation, reducing reliance on manual crop-cutting experiments. The Weather Information and Network Data Systems (WINDS) installs Automatic Weather Stations (AWS) and Automatic Rain Gauges (ARGs) at block and panchayat levels for hyper-local weather data. These technologies, supported by a ₹824.77 crore Fund for Innovation and Technology (FIAT), ensure faster and more accurate claim settlements.

Q. How can farmers track their PMFBY application status?

Farmers can track their application status on the PMFBY portal (pmfby.gov.in) by visiting the “Application Status” section under the Farmer Corner. They need to enter their Application Number (received during registration) and a captcha code, then click “Check Status” to view updates. Alternatively, farmers can use the Crop Insurance App or contact the Krishi Rakshak Helpline (14447). For offline applications, farmers can follow up with their bank or Common Service Center (CSC) using the acknowledgment receipt.

Q. What is the Krishi Rakshak Portal and Helpline?

The Krishi Rakshak Portal and Helpline (toll-free: 14447) is a grievance redressal mechanism introduced to enhance transparency and support farmers. It allows farmers to file complaints, seek clarifications, or report issues related to enrollment, premium payments, or claim settlements. The portal also provides real-time updates and access to policy documents. Additionally, District and State Grievance Redressal Committees (DGRC and SGRC) address disputes, ensuring timely resolution for farmers.

Q. What happens if an insurance company delays claim payments?

To ensure timely claim settlements, PMFBY mandates that insurance companies pay claims within two months of harvest, subject to verification. In 2025, a 12% interest penalty was introduced for companies delaying payments beyond this period. Farmers facing delays can report the issue via the Krishi Rakshak Helpline (14447), the PMFBY portal’s “Technical Grievance” section, or by emailing help.agri-insurance@gov.in. This penalty ensures accountability and protects farmers’ financial interests.