Get insurance cover of up to ₹65,000 for just ₹65 in case of crop failure; know the rules before applying.

Apply for the PM Fasal Bima Yojana 2026 by July 31. Learn about premiums, eligibility, required documents, the claim process, and the types of losses covered.

PM Fasal Bima Yojana 2026: Farming is entirely dependent on the weather. Often, months of hard work by farmers are ruined in just a few hours due to fire, floods, drought, hailstorms, strong winds, pest attacks, or crop diseases. In such situations, the biggest concern is financial loss. To mitigate this risk, the Central Government runs the Pradhan Mantri Fasal Bima Yojana (PMFBY).

Under this scheme, farmers can insure their crops by paying a very low premium and receive compensation according to established rules in the event of loss due to natural disasters. The government has also launched a nationwide 'Crop Insurance Month' campaign from July 1 to July 31 to ensure that the maximum number of farmers can join the scheme on time.

What is the Pradhan Mantri Fasal Bima Yojana?

The Pradhan Mantri Fasal Bima Yojana was launched in 2016 with the aim of protecting farmers from financial losses caused by natural disasters. This scheme covers various risks ranging from sowing and harvesting to post-harvest drying in the field. The government's objective is to safeguard farmers' income and make agriculture a low-risk activity.

Which natural disasters are covered?

The scheme covers losses caused by various types of natural disasters.

Insurance benefits can be availed in the following situations:

Fire.
Floods.
Drought.
Excessive rainfall.
Waterlogging.
Hailstorms.
Cyclones.
Strong storms.
Lightning strikes.
Pest attacks.
Crop diseases.
Inability to sow due to adverse weather conditions. Damage caused by natural disasters to harvested crops left in the field to dry for up to 14 days.

In which cases is insurance not applicable?

Certain types of losses are not covered under this scheme:

War.
Nuclear accidents.
Riots.
Theft.
Damage caused by wild animals.
Losses due to human negligence.
Therefore, please read the scheme's terms and conditions carefully before applying.

How much premium needs to be paid?

Note: 'Sum Insured' refers to the maximum amount an insurance company pays you in the event of a loss.

If the insurance premium exceeds the fixed share, the central and state governments jointly bear the cost of the remaining amount.

Insurance coverage per crop: Understand with examples

Maharashtra

1 hectare of paddy.
Farmer's premium: Only ₹65.
Insurance cover: Up to approximately ₹65,000.
Application deadline: 31 July 2026.

Madhya Pradesh

1 hectare of maize.
Farmer's premium: ₹680.
Government contribution: ₹2,720.
Total insurance cover: Approximately ₹34,000.
Application deadline: 31 July 2026.

Please note that the sum insured and premium amounts may vary depending on the state, crop, and district.

Who can apply?

Farmers who meet the following criteria can avail the benefits of the scheme:

Those cultivating their own land.
Sharecroppers.
Those cultivating leased land.

What documents are required to apply?

Generally, the following documents will be required at the time of application:

Aadhaar card.
Bank account details.
Land-related documents.
Details of the sown crop.
Mobile number.
Passport-sized photograph.

How to apply online for the PM Fasal Bima Yojana?

Follow these simple steps to apply from the comfort of your home.

Step 1: Visit the official website of the Pradhan Mantri Fasal Bima Yojana.
Step 2: Go to the 'Farmer Corner' and register as a new farmer.

Step 3:
Enter details such as:
Name.
Aadhaar number.
Mobile number.
State.
District.
Bank account details.
Land details.

Step 4: Select the crop to be insured, the cultivated area, and the cropping season.
Step 5: Upload the necessary documents.
Step 6: Verify the information, pay the premium, and submit the application.
Step 7: Keep the generated receipt and application number safe; they may be required for future claims.

How to apply offline?

If applying online is not possible, farmers can also apply through the following channels:

Common Service Centers (CSC).
Authorized banks.
Post offices.
Insurance company offices.
The 'Crop Insurance' mobile app.

What is the last date to apply?

Currently, the deadline to apply for the Kharif 2026 season in many states is set for July 31, 2026. However, this date may vary across different states. Therefore, please verify the specific date with your district authorities or the Agriculture Department.

What to do in case of crop loss?

If the crop is affected by a natural disaster:

Immediately inform the local agriculture officer or the insurance company.
Report the loss within the stipulated timeframe.
Keep the application number and insurance receipt safe.
Submit the required documents on time.
Timely reporting facilitates a smoother claim process.

Why is this scheme important for farmers?

The Pradhan Mantri Fasal Bima Yojana not only provides financial assistance to farmers but also mitigates agricultural risks.

It reduces financial distress following natural disasters.
It helps in continuing farming operations.
It can alleviate some of the pressure regarding bank loan repayments.
It boosts the farmers' confidence.

Who to contact for assistance?

If any issues arise regarding the application or claim, farmers can contact:

Their nearest CSC center,
The Department of Agriculture,
An authorized bank, or
The concerned insurance company.
For assistance, the 'Krishi Rakshak' helpline (14447) can also be contacted.