Protecting your farm,
one crop at a time.
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 plansWe guard farmers from income shocks. We build financial resilience.
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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
- Buy in easy steps
- Protect 100+ Crops
- Premium Starts at 499 INR
- Quick & Easy Claims
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 form 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 recieved 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.
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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
- Covers 100+ crops against 8 perils
- Available in 10+ languages
- 127 agro-climatic zones covered
Precise and
fair premiums
- Affordable insurance premiums
- Customised insurance coverages
- Digital KYC process
Tomorrow’s
technology
- Satellite based farm monitoring
- Geo-tagging
- Paperless & hassle-free process
Our Milestones & The Road Ahead
(Figures Updated till 31-Dec-2025)
Total Policies Sold
21709000
Total Sum Insured
20000
Crores
GWP Amount
₹
1000
Crores
8 Perils,1 Solution.
Explore our customised, and comprehensive
insurance products for farmers.
Flood
Inundation (Not applicable to Hydrophilic crops)
Named Cyclone
Storm
Animal Attack by (Elephant | Wild Boar)
Earthquake including Tsunami
Fire due to lightning
Landslide
Kshema Offerings
Kshema Sukriti is the most affordable crop insurance policy that offers tailormade protection to crops for a basic premium only 499 INR.
Kshema Prakriti is a comprehensive crop insurance solution for farmers protecting their crops against 8 perils.
Kshema Samriddhi is the most-affordable crop insurance policy that caters to farmers with small land holdings, ranging from 1 to 25 cents.
The Kshema Bharat Griha Raksha policy is a comprehensive property insurance policy that protects your home building and its contents from losses due to unexpected events.
The Kshema Home Insurance Policy is a comprehensive property insurance policy that protects your home building and its contents from losses due to unexpected events.
The Kshema Bharat Laghu Udyam Suraksha policy provides comprehensive protection to the hard-earned investments in your small business from loss due to unexpected risks and damages.
The Kshema Bharat Sookshma Udyam Suraksha policy provides comprehensive protection micro Eenterprise from losses due to unforeseen risks.
Every commercial vehicle plays a crucial role in keeping businesses and services running smoothly.
Transporting goods across cities, states, or even rural roads comes with its own set of challenges and risks.
*for a basic premium starting at just 499 INR
Crop Insurance
Kshema Sukriti
Kshema Prakriti
Kshema Samriddhi
Calculate Your Premium
Note: The premium and sum insured shown are estimates. Final values may vary at the
time of actual quote generation based on underwriting and partner terms.
Location
Crop
Cultivation Acreage
Duration
Sum Insured for Crop
Peril Covered
Here’s a step-by-step guide to the
Kshema app to insure with us
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