PMFBY

Visit pmfby.gov.in → Beneficiary Status / Application Status → Enter your Aadhaar number or Application number. You can see your policy details, sum insured, premium paid, and claim status. Also check your bank passbook for any direct credit of claim amount.

Missing the 72-hour window significantly weakens your claim but does not automatically disqualify you. Report immediately — explain the reason for delay (illness, remote area, no connectivity). The District Level Monitoring Committee has discretion to accept late reports. Document the damage with photographs and timestamps.

No. Since the 2020 reform, PMFBY is completely voluntary for all farmers including KCC loan holders. Your bank cannot auto-deduct PMFBY premium from your KCC account without your explicit written consent. If you find a deduction without consent, raise a grievance at pmfby.gov.in.

The farmer's premium for Kharif crops (including paddy) is capped at 2% of the Sum Insured. The Sum Insured is set by the state based on Scale of Finance — typically ₹40,000–₹80,000 per hectare for paddy. So a farmer with 1 hectare of paddy pays ₹800–₹1,600 in premium, regardless of the actual actuarial premium charged to the government.

States that have opted out: Andhra Pradesh (runs YSR Free Crop Insurance), Telangana, Gujarat (Mukhyamantri Kisan Sahay Yojana — free), West Bengal (Bangla Shasya Bima — free), Bihar, Jharkhand. Farmers in these states should contact their state agriculture department or block agriculture office for their state scheme.

Threshold Yield is the average yield of the last 3 or 7 years for that crop in your taluka/block. If the actual yield this season (measured by Crop Cutting Experiments) falls below the Threshold Yield, all insured farmers in that area receive proportional compensation. Example: Threshold Yield is 2,000 kg/hectare. This season's actual yield is 1,200 kg/hectare (40% shortfall). All insured farmers in that area receive 40% of their Sum Insured.

Yes. Post-harvest losses are covered for crops left to dry in the field (cut-and-spread stage) for up to 14 days after harvest — but only for hailstorm, cyclone, and unseasonal rains. Additionally, localised hailstorm damage (even if other farms nearby were unaffected) is assessed on an individual farm basis — you don't need the whole village to have been hit.

Claims must be settled within 2 months of the final Crop Cutting Experiment (CCE) data for yield-based claims, or within 30 days for post-harvest and localized calamity claims. Delays beyond this timeline entitle the farmer to 12% per annum interest on the pending claim amount.

Step 1: File a grievance on pmfby.gov.in → Grievance Portal with your policy number and reason. Step 2: If unresolved in 15 days, escalate to the District Level Monitoring Committee (DLMC) through your block agriculture office. Step 3: Further escalation to State Level Grievance Committee. Insurance Ombudsman can also be approached for disputes above ₹30 lakh.

Yes — tenant farmers and sharecroppers are explicitly covered under PMFBY. They need a tenancy agreement or lease document, OR an affidavit of cultivation signed by them and the landowner, OR a declaration before the Gram Panchayat. This is accepted as proof of cultivation for PMFBY enrolment.

The premium is non-refundable — it pays for the insurance cover whether or not a claim arises. This is standard insurance — you pay for protection, not as savings. The government subsidises 85%–98.5% of the actual premium, so the net cost to you is very low.