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Trusted Source for Mandi Bhav Updates
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Jul 02, 2026
by Pankaj Sihag
How to Apply for PMFBY Crop Insurance Claim: Step-by-Step Farmer Guide
Crop loss must be reported within 72 hours. This is the most important rule.
Farmers can report loss through the crop insurance app, helpline 14447, CSC, bank branch, or agriculture office.
Aadhaar, bank details, land records, sowing certificate, and policy details are usually required.
Once approved, compensation is transferred directly into the farmer’s bank account through DBT.
If your fasal gets damaged because of heavy rain, hailstorm, flood, pest attack, or drought, and you are enrolled under Pradhan Mantri Fasal Bima Yojana (PMFBY), you can claim compensation.
The PMFBY claim process has become more digital and faster over the years. But one rule still matters the most: report the damage within 72 hours.
Many kisaans lose their claim simply because they wait too long.
This guide explains the crop insurance claim process so you know exactly what to do.
You can file if:
You enrolled under PMFBY for the current season
Your fasal is listed under the notified crops
Your village falls under the notified insurance area
Eligible farmers include:
Farmers taking crop loans through KCC can enrol through their bank.
Farmers without crop loans can enrol through banks, common service centres (CSCs), or the PMFBY portal.
Eligible in some states if valid tenancy documents are submitted.
Remember: Even if you paid the premium, the crop and area must be officially notified.
You require these documents:
Aadhaar card
Bank passbook
Land records (khasra, khatauni, patta, or record of rights)
Sowing certificate
PMFBY policy number or insurance certificate
Premium receipt, especially for non-loanee farmers
Photos of crop damage
Tenancy proof, if applicable
Make sure your bank account is active and Aadhaar-linked.
There are mainly 4 steps through which you can file PMFBY claim process.
This is the first and most important step.
As soon as damage happens, report it.
Crop loss reporting under PMFBY must happen within 72 hours.
You can report through:
Crop insurance app
Helpline 14447
Nearest CSC
Bank branch
Block Agriculture Office
Farmers can also complete the PMFBY application online through the crop insurance app or PMFBY portal while reporting crop damage.
Do not wait for village meetings or other farmers.
After reporting, officials inspect the damaged field.
This usually includes:
Agriculture department officers
Insurance company representatives
In some notified areas, drones, satellite images, and YES-TECH (Yield Estimation System using Technolog) may also be used.
The purpose is to verify actual crop loss.
Your claim goes to the National Crop Insurance Portal (NCIP).
The digiclaim system checks:
Policy details
Crop details
Damage report
Survey records
This reduces manual delays.
After approval, the compensation amount is sent directly to your bank account.
The final crop insurance compensation depends on:
Verified crop loss
Sum insured
Notified threshold yield
Insured crop area
If insurers delay payment beyond the notified timelines, penalty provisions may apply under PMFBY guidelines.
Avoid these mistakes:
Late reporting is the biggest reason for rejection.
If your account is inactive or not Aadhaar-linked, payment may fail.
The crop you insured must match the crop damaged.
Claims are valid only for notified areas.
Incomplete papers can delay verification.
If your fasal is damaged, file the claim through the appropriate platform. Waiting can cost you your compensation.
PMFBY is useful only if you follow the process correctly and on time.
For regular mandi bhav, weather updates, and government scheme updates, keep checking KhetiKisaan.
Yes. If you are enrolled under PMFBY through your KCC-linked bank account, you can file a claim.
Your claim may be rejected. The reporting window is strict under PMFBY.
Visit the PMFBY portal and enter your Aadhaar number or application ID. You can also visit a CSC to know the status.
Yes, in some notified conditions. If severe weather prevents sowing, claim support may be available under PMFBY rules.
You can raise a complaint on the PMFBY portal or call helpline 14447.
