Kshema is a fully digital insurance provider created to make India’s farmers financially more resilient and independent
Stylized leaf pattern representing Kshema’s commitment to rural resilience, sustainable agriculture, and digital farm coverage in India
Golden wheat field in rural India supported by Kshema’s agriculture insurance, weather-based coverage, and farm resilience tools

Through hi-tech yet simple-to-use solutions, we are securing the future of India’s farmers against unpredictable climate events which are becoming more frequent and intense.

One app to
guard against
8 perils.

The Kshema app offers a seamless experience to the farmer from buying an insurance product for their crop to settlement of claims.

Indian farmer accessing digital agriculture tools and weather-based insurance through a mobile app in a rural field

Protect your crop in easy steps.

Happy Customers

What sets us apart

Our approach is different from that of traditional insurance providers. We use cutting-edge algorithms and spatial-temporal technology to assess, model and price insurance, and address pre-harvest risks at the farm level.

Empowering
every farmer

empowering farmer icon

Precise and
fair premiums

Exact Premium Calculation Visual, Precise insurance premium

Tomorrow’s
technology

Wi-Fi Based Technology Icon, Kshema platform
1,23,92,745 +

No. of Policies serviced so far

₹ 3,127.18 Cr. +

Sum Insured So far

₹ 508.65 Cr. +

Gross premium so far

8 Perils,
1 Solution.

Explore our customised, and comprehensive
insurance products for farmers.

Fire due to lightning
Landslide
Cyclone
Flood
Inundation
Earthquake
Animal attack
Hailstorm

Kshema Offerings

* Minimum premium for Kshema Sukriti and Prakriti is ₹499 per policy

Insurance for your farm, protection for your livelihood.

Just 3 steps away from a secured farm.

Kshema Premium Calculator ,Pattern design used in Kshema’s premium calculator interface, supporting digital insurance, rural coverage, and farm protection tools

Calculate Your Premium

Please enter the below details to get an estimate price for your cultivated crop.

Select a Product below to Proceed

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Estimated Premium

(Excluding GST)

NA

For Kshema Prakriti

Download the App Now
  • Location

    Location NA

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    Cultivation Acreage NA

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    Crop NA

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    Duration NA

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    Sum Insured upto NA

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    Peril Covered NA

Manage your Crops from your mobile

Download the app to manage yourCrops, keep track of the progress and complete tasks without procastinating. Stay on track and complete on time!

Get the App

Here’s a step-by-step guide to the
Kshema app to insure with us

Play Video about kshema app

Buy or renew policies, file claims and check their real-time status, and much more

Download the Kshema app for seamless protection
QR code for downloading the Kshema app, offering agriculture protection, rural insurance tools, and weather-based coverage for farmers in India