Crop Loss Due to Heavy Rain? Avoid These 3 Mistakes While Filing PM Fasal Bima Yojana Claim

Continuous rainfall across several states has caused severe destruction, leaving farmers among the worst affected. From floods in the plains to landslides in the hilly regions, the damage to standing crops has been massive. For farmers who have insured their crops under the Pradhan Mantri Fasal Bima Yojana (PMFBY), compensation can provide much-needed relief. However, many claims often get rejected due to avoidable mistakes. To ensure farmers receive their rightful compensation, it’s important to know what not to do while filing a claim.

What is PM Fasal Bima Yojana?

The PM Fasal Bima Yojana, launched by the central government, allows farmers to insure their Rabi, Kharif, and horticultural or commercial crops. The scheme is highly affordable as farmers pay only a minimal premium, while the central and state governments share the remaining cost.

• For Rabi crops, farmers pay just 1.5% premium.

• For Kharif crops, the premium is 2%.

• For commercial and horticulture crops, the premium is 4%.

The rest of the insurance premium is borne by the government. In case of crop loss due to natural calamities, pests, or diseases, farmers can claim financial compensation from the insurance company.

But while making claims, certain mistakes can delay or even cancel the payout.

3 Mistakes Farmers Must Avoid While Filing Crop Insurance Claims

1. Not Reporting the Damage on Time

One of the most common errors farmers make is delaying the report of crop loss. Insurance companies set strict timelines, and failing to notify them within the prescribed period often results in claim rejection.
👉 Farmers must report crop damage within 72 hours of a natural disaster. This can be done through the Crop Insurance mobile app, the insurance company directly, or by visiting the nearest agriculture office.

2. Providing Wrong or Incomplete Information

Another critical mistake is submitting inaccurate or incomplete details in the claim form. Missing out on important information such as:

• Correct crop name

• Season details (Rabi/Kharif)

• Bank account details

• Land records

• Mobile number

• Exact description of the crop loss

Any discrepancy can lead to unnecessary delays or outright rejection of the claim. Farmers should carefully fill out the form and cross-check every piece of information before submission.

3. Ignoring Required Documents

Submitting incomplete documentation is another reason why claims fail. Farmers often forget to attach:

• Recent photographs of the damaged crop

• Aadhaar card copy

• Bank account details

• Land ownership or tenancy documents

Without these supporting documents, the claim is considered invalid. Farmers must ensure that all required proofs are attached when submitting the form.

Where to Report Crop Loss

Farmers can quickly report crop damage through multiple channels:

• PM Fasal Bima Yojana mobile app

• Nearest agriculture department office

• Directly contacting the insurance company

• Calling the PMFBY helpline number: 14447

Prompt reporting and proper documentation are key to ensuring that compensation reaches farmers without delay.

Final Word

The Pradhan Mantri Fasal Bima Yojana is a major support system for farmers in India, especially in times of natural disasters like floods or unseasonal rains. But even the best insurance scheme won’t help if claims are filed incorrectly. By reporting damage on time, giving accurate details, and submitting all required documents, farmers can secure financial assistance without unnecessary hurdles.

For millions of farmers struggling after crop losses this season, following these simple guidelines can make the difference between receiving timely relief and being left without compensation.