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How to Claim PM Fasal Bima Yojana PMFBY 2026

PMFBY Claim - intimate within 7 days of crop loss. CCE assessment. DBT settlement.

📁 Insurance ⏱️ 30-45 mins 💰 Free

About This Guide

Pradhan Mantri Fasal Bima Yojana (PMFBY) crop insurance claim for crop loss due to natural calamities, pests, diseases. Intimate within 7 days of loss to insurance company. Crop Cutting Experiment (CCE) determines yield loss. DBT to farmer. Premium 1.5-5% (govt subsidies rest).

Eligibility Criteria

PMFBY enrolled farmer
Crop loss within season
Notified disaster (drought, flood, hailstorm, pest)
Aadhaar-bank linked
Within insured area

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

PMFBY enrollment receipt
Aadhaar
Land documents
Bank account
Loss details (date, area, crop)
Photo of damage
Crop sowing certificate
Insurance company contact

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Identify Loss

Within 72 hours of damage event.

Intimate Insurer

Within 7 days. Toll-free / app / agri officer / bank.

Damage Assessment

Joint inspection by insurance + Agri Dept + Panchayat.

CCE (Crop Cutting Experiment)

Govt conducts at season end. Determines yield.

Yield Comparison

Actual vs threshold yield. Loss percentage.

Claim Calculation

(Threshold - Actual) × Insured Sum.

DBT Settlement

Direct to farmer's Aadhaar-linked bank.

Settlement Time

2-3 months post-CCE typically.

Track Status

pmfby.gov.in claim tracking.

Key Benefits

Govt subsidized premium (1.5-5%)
Comprehensive coverage
DBT direct
Localized + widespread loss covered
Pest/disease/natural calamity
Per-hectare or per-crop basis
Multi-stage support

What Happens After Application?

2-3 months claim settlement. Track via portal.

Frequently Asked Questions

Premium auto-deducted from KCC?

Yes. KCC holders auto-enrolled. Premium deducted from crop loan.

Beyond 7 days intimate?

Generally rejected. Strict timeline. Intimate even partial damage immediately.