Protecting your farm,
one crop at a time.

We are more than just a provider of insurance solutions.
We guard farmers from income shocks. We build financial resilience.

Explore plans

Kshema is a fully digital insurance provider created to make India’s farmers financially more resilient and independent

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.

Buy directly using the Kshema app & enjoy a

5% Discount

on your crop insurance premium

Choose Kshema’s Reliable Protection for Your Crops

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Happy Customers

I want to thank Kshema. Their representatives are very helpful whenever we need their advice. We understood that the loss we suffer during the monsoon season could be reduced by Kshema Crop insurance. We bought it and we have benefited from it.

I bought crop insurance from Kshema and the process was quick and easy. Natural calamities frequently affect our fields, but now I feel secure knowing my crops are insured. I advise all my relatives and acquaintances to buy crop insurance from Kshema.

Cyclone Michaung completely damaged my crop. I had purchased Kshema Sukriti through the Kshema App. I received the claim amount within 48 hrs of intimation due to this, me & family are able to face the financial hurdles.

I had insured my paddy crop with Kshema General Insurance, and the company provided a fair compensation for my loss. I strongly recommend fellow farmers to secure their crops with insurance.

I found it very easy to buy policy from Kshema. Their representatives are very helpful.

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.