The Fasal Bima Claim 2026 process under Pradhan Mantri Fasal Bima Yojana (PMFBY) is now at a critical stage for crores of farmers across India with Rabi season 2025–26 Crop Cutting Experiments (CCE) concluding in February and March 2026 and insurance companies beginning to process and disburse compensation amounts directly into beneficiary bank accounts.
PMFBY launched in 2016 by the Ministry of Agriculture and Farmers Welfare covers crop losses from natural calamities, pest attacks, post-harvest damage, and prevented sowing events, with farmer premium contributions as low as 1.5 percent for Rabi crops, 2 percent for Kharif crops, and 5 percent for commercial and horticultural crops, with the remaining premium burden shared between the central and state governments.
As of March 2026, over 550 lakh farmer applications have been registered under PMFBY across Kharif and Rabi seasons making it one of the world’s largest agricultural insurance programmes in both coverage and claim volume.
What PMFBY Fasal Bima Covers in 2026
The scheme provides financial protection against five distinct risk categories understanding which category applies determines both the claim process and the compensation calculation:
| Risk Category | Coverage Description | Claim Basis |
| Prevented Sowing | Majority of notified area unable to sow due to deficit rainfall or weather | Up to 25% of sum insured |
| Standing Crop Loss | Yield loss from drought, flood, storm, cyclone, inundation, earthquake, disease, pest | Area-based (CCE results) |
| Post-Harvest Losses | Damage to cut-and-spread crops within 14 days of harvest by cyclone, hailstorm, unseasonal rain | Individual farm basis |
| Localised Calamities | Hailstorm, landslide, inundation, cloudbursts affecting specific farms in notified area | Individual farm basis |
| Mid-Season Adversity | Prolonged drought, severe flood, unseasonal rain during the growing season | On-account advance payment of up to 25% |
The following risks remain explicitly excluded from PMFBY coverage regardless of circumstances: war, riots, nuclear risks, malicious damage, theft, crop destruction by wild or domestic animals, and act of enmity.
Step-by-Step Fasal Bima Claim Process 2026
Every farmer enrolled under PMFBY must follow this mandatory sequence to successfully receive compensation:
Step 1: Crop Loss Intimation (Within 72 Hours)
Farmers must report crop loss to the agriculture department office, bank, insurance company, or through the Fasal Bima App within 72 hours of the damage event. The intimation must include the policy number or application receipt number, crop type, extent of damage, and cause of loss. Delays beyond 72 hours risk rejection of the claim under scheme guidelines, though state agriculture departments may extend this window during large-scale natural disasters.
Step 2: Document Submission (Within 7 Days)
After intimation, farmers must submit a formally filled crop loss intimation form along with supporting evidence photographs of the damaged crop, a copy of the land record (Khasra number), bank passbook copy, and Aadhaar card. Insurance companies accept semi-filled forms at the initial stage — farmers can complete remaining details within seven days of the loss occurrence.
Step 3: Crop Cutting Experiments (CCE)
State government officials from district agriculture offices conduct Crop Cutting Experiments in randomly selected sample fields to scientifically determine the actual yield versus the threshold yield for the notified crop and area. The CCE results determine whether the area-level shortfall triggers compensation and in what proportion — this is the single most critical determinant of the final claim amount for standing crop losses.
Step 4: Loss Assessment
An empanelled loss assessor from the insurance company reviews CCE findings alongside field reports for localised and post-harvest losses and prepares a formal assessment report. The assessor must complete this process within stipulated PMFBY timelines — reports suggest most insurance companies target completion within 30 days of the CCE data becoming available.
Step 5: Claim Settlement and Bank Credit
The compensation amount calculated from CCE results transfers directly to the farmer’s Aadhaar-linked bank account via electronic credit. For cases channelled through banks during the enrolment stage, the bank displays the beneficiary list on its notice board and credits individual accounts with individual credit details reported back to the insurance company’s centralised data repository. PMFBY officially targets claim settlement within two months of CCE results finalisation.
How to Check Fasal Bima Claim Status Online in 2026
Farmers can check their PMFBY application and claim status through three official methods:
Method 1: PMFBY Official Portal (pmfby.gov.in):
- Visit pmfby.gov.in on your browser
- Click on “Application Status” on the homepage
- Enter your Receipt Number / Application Number from your enrolment acknowledgement
- Enter the captcha code and click Submit
- The portal displays your application stage — whether it is under processing, CCE pending, claim approved, or amount credited
Method 2: Fasal Bima Mobile App:
- Download the “Fasal Bima App” from the Google Play Store or Apple App Store — the official app is published by the Ministry of Agriculture and Farmers Welfare
- Log in using your registered mobile number
- Navigate to “Check Claim Status” from the home screen
- Enter your policy ID or application receipt number to view current status
Method 3: State-Specific Portals:
Haryana farmers can check claim status at agriharyana.gov.in/fasalbima the state’s dedicated PMFBY crop loss and application status portal. Several other states including Maharashtra, Rajasthan, Madhya Pradesh, and Uttar Pradesh maintain their own state PMFBY portals with similar application tracking features.
Premium Rates for Kharif and Rabi 2026
| Crop Category | Farmer’s Maximum Premium |
| Kharif crops (Rice, Maize, Bajra, Soybean) | 2% of sum insured |
| Rabi crops (Wheat, Mustard, Barley, Chana) | 1.5% of sum insured |
| Commercial and Horticultural crops | 5% of sum insured |
The balance premium which ranges from 25 to 60 percent of the actuarial rate depending on the crop and region the central and state governments share equally through direct subsidy to the insurance company.
Grievance Redressal — When Claims Are Delayed or Rejected
Farmers who face delays beyond the official two-month settlement window or who believe their claim was incorrectly rejected have three formal escalation paths:
- District Agriculture Officer (DAO): Submit a written grievance at the local agriculture department office — the DAO can directly intervene with the insurance company on the farmer’s behalf
- PMFBY Grievance Portal: Visit pmfby.gov.in and navigate to the Grievance section to register a formal online complaint with reference to the policy number
- National Toll-Free Helpline: Call 14447 — the dedicated PMFBY helpline operated 24 hours per day to address farmer queries and complaints
- Insurance Company’s Grievance Cell: Each empanelled insurer maintains a separate grievance cell whose contact details appear on the policy document
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