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Pradhan Mantri Fasal Bima Yojana (PMFBY)

"Fasal Bima Karao, Suraksha Kavach Pao"

Pradhan Mantri Fasal Bima Yojana (PMFBY) - Crop Insurance Scheme

Details of Pradhan Mantri Fasal Bima Yojana

In April, 2016, the Government of India had launched Pradhan Mantri Fasal Bima Yojana(PMFBY) after rolling back the earlier insurance schemes viz. National Agriculture Insurance Scheme (NAIS), Weather-based Crop Insurance scheme and Modified National Agricultural Insurance Scheme (MNAIS). Thus, at present, PMFBY is the flagship scheme of the government for agricultural insurance in India.

Risks Covered

Prevented Sowing/Planting Risk

Prevented Sowing/Planting Risk

 A farmer is eligible for a cover up to 25% of the SI (Sum Insured) on account of prevented sowing/ planting due to deficit rainfall or adverse seasonal conditions. This is applicable for the cases where the farmer had every intention to sow/ plant and had incurred expenditure for the same.

Localized Risk

Localized Risk

Loss/damage resulting from occurrence of identified localized risks of hailstorm, landslide and inundation affecting isolated farms in the notified area.

Standing Crop (Sowing to Harvesting)

Standing Crop (Sowing to Harvesting)

Comprehensive risk insurance is provided to cover yield losses due to non- preventable risks e.g. natural fire and lightning, storm, tempest, cyclone, drought/dry spell, pests and diseases.

BAGIC Covers Extented Family Cover

Mid-Season Adversity

Mid-Season Adversity

This cover is to provide immediate relief to farmers in case of any widespread calamity or adverse season, wherein the expected yield during the season is likely to be less than 50% of normal yield.

Risks post harvest losses

Post-Harvest Losses

Post-Harvest Losses

This coverage is available up to a maximum period of two weeks from harvesting, and is applicable for those crops which are allowed to dry in 'cut and spread' condition in the field after harvesting. The coverage is available against specific perils of cyclone, cyclonic rains and unseasonal rains.

Crops Covered Under PMFBY

  • Food crops (Cereals, Millets and Pulses)
  • Oilseeds
  • Annual Commercial / Annual Horticultural crops

Key Features

  • Covers Localized Risks and Post-Harvest Losses.
  • Use of advanced technology for faster, hassle-free claims.
  • Telephonic Claim intimation on 1800-209-5959


  • Farmer's contribution to premium is reduced significantly i.e. 2% for Kharif crops, 1.5% for Rabi crops and 5% for Annual and Commercial crops.
  • Provision to assess the losses individually in case of localized perils such as hailstorm, inundation and landslide.
  • Assessment of yield loss on individual plot basis in case of occurrence of cyclone, cyclonic rains and unseasonal rains throughout the country resulting in damage to harvested crop lying in the field in 'cut and spread' condition up to maximum period of two weeks (14 days) from harvesting for the sole purpose of drying.
  • On-account claim payment is made to the farmer in case of prevented sowing and localized losses.
  • The use of technology will be encouraged to a great extent under this scheme. Smart phones will be used to capture and upload data of crop cutting to reduce the delays in claim payment to farmers. Remote sensing will also be used under this scheme to reduce the number of crop cutting experiments.


  • Malicious damage
  • Preventable risks
  • Losses arising out of war and nuclear risks


The Actuarial Premium Rate (APR) is charged under PMFBY. This rate is applied on the Sum Insured. The maximum premium rate payable by the farmers under this scheme is determined using the following table:

Season Crops Maximum insurance charges payable by farmer
Kharif All food grains and oilseed crops 2% of Sum Insured
Rabi All food grains and oilseed crops 1.5% of Sum Insured
Kharif and Rabi Annual Commercial / Annual Horticultural crops
Perennial Horticultural Crops (Pilot Basis)
5% of Sum Insured


Note: Remaining premium will be paid equally by the State and Central Government.


The claim process for Pradhan Mantri Bima Yojana with us, at Bajaj Allianz, is quick and easy.


For Localized Losses

  • Farmers may intimate the details of the loss within 72 hours of the calamity either to us or the concerned bank or local agriculture department / district officials. They can also reach us using our Farmitra Mobile App or can call us at the toll free number  1800-209-5959 .
  • Intimation must contain details of survey number-wise insured crop and the acreage affected along with bank account number (Loanee famer) and saving bank account no (Non Loanee Farmer).
  • A surveyor will be appointed by us within 48 hours and the loss assessment will be completed within 72 hours of appointment of surveyor.
  • The premium payment done by the farmer will be verified from bank or farmer portal within 7 days of loss intimation.
  • The applicable pay-out based on the cover will be disbursed within 15 days of the survey of loss. However, it is to be noted that we can remit claims only post receipt of 50% of government share of premium subsidy.

For Prevented Sowing

There is no need for the insured farmer to intimate the insurance company losses due to prevented sowing, as this will be a widespread calamity and assessment is based on area approach. This benefit is triggered when majority of farmers are unable to sow their crop because of weather conditions. The details are as below:

  • The insured farmers shall be paid the claim under prevented sowing if minimum 75% of the sown area of major crop in the notified Insurance Unit (IU) remains unsown or has suffered germination failure due to wide spread calamities such as drought or flood.
  • This provision needs to be invoked by State Government within 15 days of the cut-off date of enrolment.
  • The insurance company would pay the claim within 30 days of the state notification of the prevented sowing, subject to the data on estimated sown area having been received from State Government and receipt of advance subsidy (1st instalment) from government.
  • Insurance cover will cease post the payment of 25% of Sum Insured to farmers as final claims.
  • Once the claim is paid under prevented sowing, no fresh enrolment of farmers for the affected notified IU's and crop would be accepted. This applies to all the farmers in the notified Insurance Units.

Wide Spread Calamities

This cover pays for the shortage in yield of the insured crop compared to Threshold Yield (TY) on area approach.

  • If the Actual Yield (AY) of the insured crop in the Insured Unit (IU) is less than Threshold Yield of the insured crop in the IU then all the insured farmers in the Insurance Unit growing the same crop are assumed to have suffered the loss. The claim is calculated as: ((Threshold Yield - Actual Yield) / Threshold Yield ) * (Sum Insured), where, AY is calculated on the no. of CCE's done in the Insurance unit and TY is calculated as the average of the best of 5 years from the last seven years

Mid-season Calamity

This cover is to provide immediate relief to farmers in case of any widespread calamity or adverse season, wherein the expected yield during the season is likely to be less than 50% of normal yield.

  • If due to adverse severe seasonal conditions such as severe drought, dry spells and drought declared by state/UT, abnormally low temperatures, wide spread incidence of insects, pests and diseases and natural events such as floods resulting in wide spread loss, the expected yield of the insured crop is less than 50% than the normal yield then the mid-season calamity claim is paid to the insured farmer.
  • Under this claim, the amount is payable to the insured farmer directly on account and shall be 25% of the total Sum Inured.
  • The timeline of the mid-season adversity to be triggered is post one month after the crop sowing and before 15 days of the harvest time.
  • The State Government would notify within 7 days regarding the mid-season adversity and the loss assessment has to be done within the next 15 days from the occurrence of adverse seasonal events.
  • The district level joint committee would assess the claim and decide whether the claim is payable under this condition.
  • The formula to calculate on-account is: ((Threshold Yield - Actual Yield) / Threshold Yield ) *( Sum Insured * 25% )

Post-Harvest Loss

  • Post-harvest yield loss is assessed on individual plot/farm occurring due to hailstorm, cyclone, cyclonic rains and unseasonal rainfall when the harvested crop is kept lying on the fields "in cut and spread" condition for drying of the crop up to 14 days from harvesting of the crop. In such cases on individual basis the claim shall be paid to the insured farmers by the insurance company.
  • The farmer must intimate the loss within 72 hours to the insurance company, concerned bank, agriculture department, district officials. This can be done using the toll free number provided by the insurance company.
  • The insurance company will appoint the surveyor within 48 hours after receiving the complaint. The loss assessment should be completed within 10 days from appointed of the surveyor.
  • The claim would be paid within 15 days from the loss assessment. The percentage of loss shall be assessed through this loss assessment.
  • If the affected area is more than 25% of the total cropped area, then all the farmers in the insurance unit would be deemed to have suffered the loss and the claim would be paid to all insured farmers.


What is PMFBY? | प्रधान मंत्री फसल बिमा योजना क्या है?

What is PMFBY?

For the current year, we are implementing the PMFBY in the states of Chhattisgarh, Karnataka, Manipur, Goa, Andhra Pradesh, and Puducherry. Additionally, we are implementing the RWBCIS in Andhra Pradesh.

Click here for list states and districts services by us for Kharif 2023 and Rabi 2023-24 .

Year 2016 2017 2018 2019 2020 2021 2022 2023 Number of Applications Processed
Kharif 16,21,058 23,34,387 12,30,974 30,07,435 29,35,539 36,54,924 52,20,660 40,20,905 2,40,25,882
Rabi 4,91,316 35,79,654 51,98,862 17,86,654 11,16,719 20,97,628 35,76,028 7,79,499 1,86,26,360
Grand Total 21,12,374 59,14,041 64,29,836 47,94,089 40,52,258 57,52,552 87,96,688 48,00,404 4,26,52,242


Claims Paid (In Crore Rs.)
2016 2017 2018 2019 2020 2021 2022 2023 Grand Total
ANDHRA PRADESH 570.32 0.00 602.32 0.00 0.00 0.00 0.00 0.00 1,172.64
ASSAM 0.00 0.00 1.78 0.00 0.00 0.00 0.00 0.00 1.78
BIHAR 164.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 164.25
CHHATTISGARH 17.49 48.57 236.51 28.98 87.90 150.91 100.28 84.33 754.98
GUJARAT 0.00 0.00 2.18 0.01 0.00 0.00 0.00 0.00 2.19
HARYANA 134.16 364.97 0.00 137.00 140.28 280.38 454.33 0.00 1,511.13
JHARKHAND 0.00 0.00 51.42 0.00 0.00 0.00 0.00 0.00 51.42
KARNATAKA 0.00 0.00 0.00 28.50 183.91 144.20 164.75 153.83 675.18
MADHYA PRADESH 0.00 0.00 0.00 710.04 0.00 0.00 0.00 0.00 710.04
MAHARASHTRA 175 32.77 880.92 480.61 441.40 401.16 347.20 0.00 2,759.06
MANIPUR 0.00 0.00 0.00 0.00 0.00 1.45 1.47 0.00 2.92
RAJASTHAN 0.00 743.27 168.81 241.69 251.83 759.64 625.43 0.00 2,790.67
TAMIL NADU 0.00 0.00 0.00 0.00 0.00 0.00 136.10 0.00 136.10
TELANGANA 54.59 5.35 36.70 0.00 0.00 0.00 0.00 0.00 96.64
UTTAR PRADESH 0.00 58.31 18.19 26.48 0.00 0.00 0.00 0.00 102.98
UTTARAKHAND 0.00 0.00 0.08 0.00 0.00 0.00 0.00 0.00 0.08
Grand Total 1,115.82 1,253.24 1,998.91 1,653.31 1,105.32 1,737.75 1,829.57 238.16 10,932.07


  1. Level 1: You may reach to us using our Farmitra Mobile App or can call us on 1800-209-5959

    Level 2: E- Mail: bagichelp@bajajallianz.co.in

    Level 3: Grievance Officer: It is our constant endeavor to resolve customer's concerns promptly. In case you are not satisfied with the response given to you by our team, you may write to our Grievance Redressal Officer Mr. Jerome Vincent at ggro@bajajallianz.co.in

    Level 4: If in case, your grievance is not resolved and you wish to talk to our care specialist, please give a missed on +91 80809 45060 OR SMS <WORRY>To 575758 and our care specialist will call you back

    Please allow our service network sufficient time to work on your concern. We believe in ‘Caringly Yours’ and we assure you that every employee of this company stands firmly with this promise.

    If after having followed level 1, 2, 3 and 4 your issue remains unresolved, you may approach the Insurance Ombudsman for Redressal. Kindly find your nearest Ombudsman office at https://www.cioins.co.in/Ombudsman

    Click here for details of our District Officers.

    Click here to get details for your nearest Agri Insurance Office.




What is Insurance?

Insurance is a tool to protect you and your assets against a small probability of a large unexpected loss. Insurance is not to make money but to help compensate an individual or business for unexpected losses that might otherwise cause a financial disaster. It is a technique of providing people a means to transfer and share risk where losses suffered by few are met from the funds accumulated through small contributions made by many who are exposed to similar risks.

What is Crop Insurance?

Crop insurance is an arrangement aimed at mitigating the financial losses suffered by the farmers due to damage and destruction of their crops resulting from various production risks.

What is a PMFBY?

Pradhan Mantri Fasal Bima Yojana (PMFBY) aims at supporting sustainable production in agriculture sector through insuring their crop production at predefined level for specific Insurance Unit. 

What is Weather based Crop Insurance?

Weather Based Crop Insurance aims to mitigate the hardship of the insured farmers for financial loss in account of anticipated crop loss resulting from incidence of adverse weather conditions like rainfall, temperature, frost, humidity, wind speed, cyclone etc.

Which crops are covered under PMFBY?

It covers major crops of the specific insurance unit e.g.

a. Food crops includes Cereals, Millets and Pulses,

b. Oilseeds and c. Annual Commercial/Horticultural crops etc.

Who can avail the benefit of PMFBY?

All the farmers including sharecroppers and tenant farmers growing the notified crops in the notified areas are eligible for coverage. 

What is the sum Insured/Coverage Limit for an individual farmer?

The District Level Technical committee based on the Scale of the Finance or Average Yield of the respective crop over the past years and the Minimum Support Price of the crop determines the sum insured. 

What would be the last date for enrolment in Crop Insurance for Kharif and Rabi Season?

It depends on the crop lifecycle and respective State Government’s notification.

What are the Premium Rates and Premium Subsidies for crop insurance?

The Actuarial Premium Rate (APR) would be charged under PMFBY by implementing agency (IA). The rate of Insurance Charges payable by the farmer will be as per the following table:

Season Crops Maximum Insurance charges payable by farmer Premium Rates (% of Sum Insured)
Kharif All food grain and Oilseed crops (Cereals, Millets, Pulses and Oilseeds) 2.0%
Rabi All food grain and Oilseed crops (Cereals, Millets, Pulses and Oilseeds) 1.5%
Kharif and Rabi Annual Commercial / Annual Horticultural crops 5%

What are the risks covered by the PMFBY scheme?

Risks Covered under PMFBY scheme: 

Basic Cover: The basic cover under the scheme covers the risk of loss of yield to standing crop (sowing to harvesting).This comprehensive risk insurance is provided to cover yield losses on an area based approach basis due to non-preventable risks like drought, dry spells, flood, inundation, wide spread pest and disease attack, landslides, natural fire due to lightening, storm, hailstorm, and cyclone.

Add-On Coverage: Apart from the mandatory basic cover, the State Governments/UTs, in consultation with the State Level Coordination Committee on Crop Insurance (SLCCCI) may choose any or all of the following add-on covers based on the need of the specific crop/area in their State to cover the following stages of the crop and risks leading to crop loss:-

Prevented Sowing/Planting/Germination Risk: Insured area is prevented from sowing/planting/germination due to deficit rainfall or adverse seasonal/climatic conditions.

Mid-Season Adversity: Loss in case of adverse seasonal conditions during the crop season viz. floods, prolonged dry spells and severe drought etc., wherein expected yield during the season is likely to be less than 50% of the normal yield. This add-on coverage facilitates the provision for immediate relief to insured farmers in case of occurrence of such risks.

Post-Harvest Losses: Coverage is available only up to a maximum period of two weeks from harvesting, for those crops which are required to be dried in cut and spread / small bundled condition depending on requirement of the crops in that area, in the field after harvesting against specific perils of hailstorm, cyclone, cyclonic rains and unseasonal rains.

Localized Calamities: Loss/damage to notified insured crops resulting from occurrence of identified localized risks of hailstorm, landslide, inundation, cloudburst and natural fire due to lightening affecting isolated farms in the notified area.

How can non-loanee farmers enrol in the PMFBY scheme?

Non-loanee farmers can enrol in the PMFBY scheme by filling out the application form of the scheme and submitting it to any of the following before the due date:

● The nearest bank branch

● Common Service Centre (CSC’s)

● Authorized channel partner

● Insurance intermediary of the insurance company Alternatively, farmers can go individually to the National Crop Insurance Portal www.pmfby.com on before the due date and fill up the online application form.

What are the documents required for the non-loanee farmers to participate in the scheme?

Non-loanee farmers need to submit following documents for their participation in the scheme:-

1. Land Ownership Documents – (Records of Right (RoR), Land Possession Certificate (LPC) etc.

2. Aadhar Card

3. Bank passbook (It must have clear farmer’s name, Account number/IFSC code )

4. Crop Sowing Certificate (If mandatory in State Government’s notification) For tenant farmers Land Ownership proof /contract document or any other document defined by the concerned State Government. 

Can farmers make changes in there bank account details in case of a mismatch?

Yes, Farmitra app provides this feature of account correction if there is account detail mismatch in the PMFBY policy. 

Can loanee farmers make changes in the insured crops and until when?

Loanee farmers can make changes in the insured crops two days before the last date of enrolment fixed by the respective state government.

For making those changes, farmer can visit the concerned bank branch and provide the required information. 

What is the process for informing about incidents of crop loss due to localized calamities?

It is mandatory to inform about crop loss within 72 hours of the calamity through any of the following medium.

● Toll free number 1800-209-5959

● Farmitra- Caringly yours app

● Crop insurance app

● NCIP portal

● Nearest Insurance company office/branch

● Nearest Bank branch /Agriculture department (In written format)

To know more about the scheme or for enrolment before the last date please contact to nearest Bajaj Allianz General Insurance Office/Bank Branch/Co-operative Society/CSC centre. For any queries, you may reach us using our Toll free number-18002095959 or Farmitra- Caringly Yours Mobile App or E Mail- bagichelp@bajajallianz.co.in or Website – www.bajajallianz.com Farmitra- Agri Services at your fingertips Key Features:


● App in vernacular language

● Get Crop Insurance Policy and Claim details

● Crop Advisory and Market Price on single click

● Weather forecast update


● Other information like to raise PMFBY related queries, Intimate Claims, Check Claim Status FARMITRA APP- You can now raise queries, intimate claims (Localized calamities & Post harvest losses) and can check claim status. Download the FARMITRA Caringly Yours App through the Play Store or Scan here.


Written By : Bajaj Allianz - Updated: 21st  November 2023


I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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