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.

Need assistance?

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
9 perils.

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

Protect your crop in easy steps.

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.

every farmer

farm insurance crop insurance

Precise and
fair premiums

Crop Insurance Kshema


Kshema Agriculture insurance company in india

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

9 Perils,
1 Solution.

Explore our customised, and comprehensive
insurance products for farmers.

Fire due to lightning
Aircraft damage
Animal attack

A Kshema product


A comprehensive insurance policy against 9 perils providing maximum coverage based on input cost of the crop.

Offers protection from

Cyclone, inundation, flood, hailstorm, landslide, earthquake, fire due to lightning, animal attack, damage due to aircraft.


seasonal crops covered

A Kshema product


A customisable insurance policy that provides more flexibility to farmers with enhanced sum insured for extra premium.

Offers protection from

A combination of 1 major peril and
1 minor peril from a list of 9 perils


seasonal crops covered


Available at only ₹499 per acre

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