Subsidised crop insurance against yield loss from natural causes
Register on pmfby.gov.in before the crop season's enrolment deadline.
Select your crop, area and insurance company, then pay your premium share online.
Loanee farmers are usually enrolled automatically through their bank at the time of a crop loan, unless they opt out.
Non-loanee farmers can apply through a bank branch, CSC or authorised insurance agent.
Claim settlement timelines vary by the loss assessment and notified crop-cutting experiment results, typically within a few weeks to months of the claim being processed.
Check application/claim status on pmfby.gov.in using your application/policy number.
Download your insurance policy document/receipt from the portal.
Contact your bank or the insurance company for corrections before the enrolment cutoff.
Enrolment is done fresh each crop season (Kharif/Rabi).
It was compulsory for loanee farmers initially, but the scheme has since been made voluntary for all farmers, including loanees who can opt out — confirm the current rule for your state on pmfby.gov.in.