Official crop insurance policy certificate issued under the Pradhan Mantri Fasal Bima Yojana (PMFBY) via the National Crop Insurance Portal (NCIP), providing comprehensive yield-based and weather-adversity financial risk protection against prevented sowing, mid-season drought/flood damage, localized calamities, and post-harvest losses
For localized calamities (hailstorms, landslide, flash floods/inundation, cloudburst) and post-harvest losses, farmers MUST notify the insurance company within 72 HOURS of the event via the Crop Insurance App, PMFBY Toll-Free Number (14447), or local Agriculture Officer to be eligible for survey-based compensation.
💡 The PMFBY Crop Insurance Policy Certificate is an official document issued to a farmer confirming insurance coverage for a specific crop, acreage, and cropping season. It guarantees financial compensation against unseasonal rains, drought, flood, hailstorms, pest epidemics, or post-harvest losses, calculated based on Crop Cutting Experiments (CCE) or weather-index benchmarks. The farmer pays only 1.5% to 2% of the sum insured, with government subsidies covering the rest.
Differentiating comprehensive yield-based insurance from weather parameters and government disaster relief grants.
| Protection Framework | Assessment Methodology | Premium Structure | Coverage Scope & Trigger |
|---|---|---|---|
| PM Fasal Bima Yojana (PMFBY) | Pradhan Mantri Fasal Bima Yojana | Comprehensive yield-based coverage using Crop Cutting Experiments (CCEs) and satellite remote sensing | Subsidized premium (1.5% to 2%); covers entire life cycle from sowing to 14-day post-harvest drying. |
| Restructured WBCIS | Weather Based Crop Insurance Scheme | Index-based insurance triggered by automated weather station (AWS) data (rainfall, temperature, frost) | No field damage survey needed; payouts triggered automatically when weather deviations breach set thresholds. |
| SDRF / NDRF Agricultural Relief | State Disaster Response Fund Agricultural Input Subsidy | Ex-gratia humanitarian government grant for severe declared natural calamities | Fixed scale of relief (not full crop value); subject to official government disaster notification. |
Policy certificate generated instantly upon premium payment online or by bank/CSC; loss assessments and claim payouts credited directly to bank accounts within 3 weeks of claim settlement.
Subsidized farmer premium: 2.0% of Sum Insured for Kharif food and oilseed crops; 1.5% for Rabi crops; 5.0% for Annual Commercial/Horticultural crops. The entire remaining actuarial premium is subsidized 50:50 by the Central and State Governments (90:10 in North Eastern States).
Any farmer possessing cultivable land rights or registered tenancy agreements growing notified crops in designated panchayats/blocks during the Kharif or Rabi cropping seasons.
All agricultural cultivators (loanee farmers with Kisan Credit Cards and non-loanee farmers, sharecroppers, and tenant farmers) growing notified food crops, oilseeds, or commercial/horticultural crops in notified insurance units/blocks who need financial compensation in the event of crop loss or natural disasters.
Loanee farmers are enrolled automatically by their loan bank unless opted out; non-loanee farmers apply via the nearest Common Service Centre (CSC) or directly on https://pmfby.gov.in/.
Select the cropping season (Kharif/Rabi), district, tehsil, gram panchayat, crop type, and land survey numbers as per state revenue records.
Pay the nominal farmer share (1.5% to 2%) via CSC wallet, debit card, or net banking; the central portal generates an instantaneous enrollment receipt.
The assigned insurance company (e.g., AIC, New India, SBI General) validates the acreage data and issues an official Policy Number and Certificate of Insurance.
If widespread yield deficit occurs, compensation is automatically determined via remote sensing and Crop Cutting Experiments (CCEs) and credited directly via DBT to the farmer's bank account.
If you sowed a different crop than originally declared, notify the bank or CSC at least 2 working days before the official scheme enrollment cutoff date.
If your bank merged or the account number changed, update your bank details on the PMFBY portal to prevent DBT claim credit failures.
Use the 'Crop Insurance App' on your smartphone, upload geotagged photos of damaged fields, and submit the localized calamity claim.
Navigate to the official portal at https://pmfby.gov.in/ and click on 'Farmer Corner'.
Enter the mobile number used during registration and submit the 6-digit OTP received via SMS.
Select the appropriate Year and Cropping Season (e.g., Kharif 2026 or Rabi 2025-26).
Click 'Download Policy' to get the PDF certificate containing your Policy Number, Sum Insured, and coverage terms.
Solutions for frequent banking debits, uncredited claims, and survey discrepancies.
| Issue Observed | Likely Cause | Corrective Action |
|---|---|---|
| Bank deducted premium but no policy number or receipt was generated | Bank branch upload status on National Crop Insurance Portal (NCIP) | Ensure the bank branch uploaded your loan data to the NCIP portal before the cutoff date; obtain the Bank Batch ID from branch staff. |
| Claim approved on portal but funds not credited to bank account | NPCI Aadhaar mapping and bank account active status | Visit your bank branch, verify that your account is KYC compliant and active on the NPCI Aadhaar mapper for DBT credits. |
| Insurance surveyor did not visit damaged field within 48 hours of 72-hour notice | Intimation Docket Number generated via 14447 or mobile app | Submit the docket number to the Block Agriculture Officer (BAO); joint loss assessment will be conducted with government agriculture officials. |
No. Since Kharif 2020, enrollment in PMFBY is 100% voluntary for all farmers, including loanee KCC borrowers. If a loanee farmer does not wish to be insured, they must submit a written opt-out declaration to their lending bank at least 7 days before the seasonal cutoff date.
If adverse seasonal weather conditions (drought, continuous rain, floods) prevent more than 75% of the normal sown area in an insurance unit from being planted, insured farmers receive a lump sum payout of up to 25% of the sum insured, and the policy terminates.
States have the option to include wild animal attack protection as an add-on cover under PMFBY. However, it is subject to individual state government notification and additional premium contribution.
Coverage is available for up to 14 days after harvest for crops that are kept in 'cut and spread' condition in the field for drying and get damaged due to unseasonal rains, cyclonic rains, or hailstorms. Farmers must intimate the loss within 72 hours.
Official operational guidelines, portal calculator, farmer registration, and claim tracking.
Comprehensive rules on sum insured calculation, risk coverage, loss assessment, and dispute resolution.
Official scientific soil nutrient assessment card issued to farmers by the Department of Agriculture & Farmers Welfare, containing detailed test results for 12 essential soil parameters (NPK, Sulphur, Micronutrients, pH, EC, Organic Carbon) alongside customized crop-specific fertilizer and dosage recommendations
Official Record of Rights (RoR) extract issued under the Maharashtra Land Revenue Code, 1966 and Gujarat Land Revenue Code, combining Village Form VII (land ownership & rights) and Village Form XII (crop details, agricultural tenancy, and government/bank encumbrances)
Foundational Record of Rights (RoR) document across Northern and Central India (UP, MP, Bihar, Rajasthan, Haryana, Uttarakhand) comprising Khasra (plot survey details, crops, and land classification) and Khatauni (tenure holder ownership ledger, shares, and mortgage encumbrances)
Primary revenue ownership and cultivation records in South India (Tamil Nadu Anyatha, Andhra Pradesh Meebhoomi, and Telangana) comprising Patta (government title deed), Chitta (land classification and tax register), and Adangal (crop and cultivation ledger)
Primary agricultural land title and crop register document in Karnataka issued under the Karnataka Land Revenue Act, 1964 through the Bhoomi digital portal, combining ownership rights (Form 16), mutation register (MR) references, soil classification, and seasonal cultivation data
Official portal of the Ministry of Agriculture & Farmers Welfare, Government of India, integrating state governments, banks, and general insurance companies.
National Crop Insurance Portal (PMFBY) →