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Crop Insurance
Planning to enroll in PMFBY or check if your name is on the beneficiary list in 2026?
This guide breaks down PMFBY in simple terms and shows exactly how to find village/beneficiary lists for Maharashtra, Karnataka, Rajasthan and more.
Get quick answers, premium rates, coverage, timelines, and step-by-step checks—all in one place.
PMFBY at a glance: Farmers pay 2% (Kharif), 1.5% (Rabi), or 5% (commercial/horticulture); the rest is subsidized.
Beneficiary/village lists: Usually published on the PMFBY central portal or state agriculture portals; check using Aadhaar/application ID or season-wise PDFs.,
2026 timeline: Enrol before sowing—Kharif (typically June–July), Rabi (typically Oct–Nov). State notifications confirm exact cut-offs.
A single bad season can create heavy financial pressure for farmers due to unpredictable rainfall, pest attacks or crop diseases. PMFBY crop insurance 2026 helps reduce this risk by protecting farmers against major crop losses. In this guide, you will learn how to check the PMFBY last date (including Rabi 2026), how to check PMFBY status in India, who is eligible, how to confirm the village list, and how Kshema supports farmers throughout the PMFBY process.
Pradhan Mantri Fasal Bima Yojana (PMFBY) protects farmers against yield losses caused by drought, flood, pest, disease, cyclone and other notified risks. In 2026, PMFBY continues as a voluntary scheme for all farmers (including loanee farmers), offering low, fixed farmer premiums with the balance subsidized by the government.
Beneficiary information is typically available via:
(1) The central PMFBY portal’s Farmer/Applicant status,
(2) State agriculture/PMFBY portals that publish district/taluka/village-wise beneficiary PDFs, and
(3) Bank/CSC/Insurance company acknowledgements for individual applications. For season-level aggregated numbers, use the PMFBY Dashboard (state–district coverage stats).
Tip: If your district or village list is not visible centrally, check your State Agriculture Department/State PMFBY page for season-wise PDF notifications.
PMFBY last dates are not uniform across India. Each state notifies its own enrollment cut-off dates for Kharif and Rabi seasons.
Rabi deadlines vary across states. Always refer to your state’s Rabi 2026 PMFBY notification to check the exact last date for your district and crop.
Note: Naming conventions vary by state (e.g., “Notified Village List”, “Beneficiary Annexure”, “Approved Applications”). Always match Season and Year before downloading.
Each state publishes a list of notified villages covered under PMFBY. Steps to check the village list
. This ensures you apply only for crops covered in your area
Farmers can apply if they:
Eligible categories include:
Farmers must ensure their land records, sowing details and bank account details are accurate at the time of enrolment.
The remaining actuarial premium is subsidized by Central and State Governments.
Prevented/Failed sowing due to adverse weather (as notified)Standing crop losses from widespread risks (drought, flood, pest, disease, etc.) based on CCE resultsLocalised calamities (hailstorm, landslide, inundation) for notified crops/areasPost-harvest losses (up to 14 days for crops kept in field) due to cyclonic rains and unseasonal rains, where notified
Losses due to negligence/avoidable risksWar, nuclear risksHarvested produce beyond notified post-harvest window
Exact cut-offs are set by states. As a rule of thumb:
Always verify last dates on your State Agriculture/PMFBY portal or with your bank/CSC/insurance representative.
Tip: Ensure your mobile number is linked for OTPs and status alerts.
Kshema simplifies policy understanding, documentation, and claim support with transparent, tech-enabled assistance. For farmers and FPOs, we help clarify notified areas, documents, claim intimation steps, and season-wise timelines.
PMFBY is especially beneficial for small and marginal farmers. Here’s why it’s a game-changer for them.
Imagine the relief of knowing that even if the rains fail or a hailstorm strikes (opens in a new tab), your family won’t be plunged into destitution. This scheme isn’t just about financial payouts; it’s about restoring dignity, reducing anxiety, and empowering farmers to continue their vital work with renewed confidence.
Kshema General Insurance helps farmers enrol easily and receive timely claim support. Through field teams, satellite-based assessments and digital tools, Kshema simplifies the PMFBY process for farmers. In recent seasons, Kshema has supported lakhs of farmers across India with enrolment help, awareness programmes and improved claim processing.
While PMFBY provides the framework, its successful implementation relies on dedicated partners. This is where insurance providers like Kshema General Insurance (opens in a new tab) play a crucial role. Kshema has been instrumental in bridging the gap between the scheme and farmers, particularly in underserved regions.
In the 2023–24 Kharif season (opens in a new tab), Kshema processed 581,606 applications and disbursed INR 160+ crore in claims across the three districts of Sri Ganganagar, Bundi, and Alwar only in Rajasthan.
In states from some of the biggest like Uttar Pradesh, Madhya Pradesh, Karnataka, and Telangana to smaller states like Manipur and union territory like Andaman, Kshema has actively worked with thousands of farmers, ensuring they understand and benefit from PMFBY and its associate product RWBCIS (opens in a new tab). In a recent season, Kshema facilitated the enrolment of over 5 lakh farmers, processing claims worth INR 500 crore, demonstrating its efficiency and reach in ensuring farmers receive timely compensation.
Despite challenges, —including misinformation and resistance during field surveys, —Kshema remains committed to ensuring that every legitimate claim is settled swiftly, safeguarding both farmers and public funds.
PMFBY is an area-yield index scheme for widespread risks. Claims are based on Crop Cutting Experiments (CCEs) in your notified unit (village/GP/block as notified). If actual yield is below the threshold yield, all insured farmers in that unit receive claim proportionately. Localised calamity and post-harvest claims may require individual intimation within the stipulated time on the portal/insurer helpline.
PMFBY in 2026 remains a reliable, low-premium safety net for crop losses. Use the PMFBY portal for individual status, and your State Agriculture portal for village/beneficiary PDFs. Enrol before sowing, keep documents ready, and intimate losses within timelines. Need help decoding notifications or claim steps? Kshema’s team can guide you through season-wise eligibility, documents, and claim support—so you can focus on your farm with confidence.
As India continues to grapple with the challenges of climate change, food security, and rural distress, Pradhan Mantri Fasal Bima Yojana (PMFBY) gives hope to millions of farmers. With continued support from stakeholders like Kshema, the scheme is evolving to become more inclusive, efficient, and responsive to farmers’ needs (opens in a new tab).
At Kshema, we believe that every farmer deserves protection, dignity, and peace of mind. Our work under PMFBY is a testament to this belief—a commitment to transforming agriculture from a gamble into a secure and rewarding profession.
For a broader perspective on how agricultural insurance is evolving to support farmers across India, read this analysis by The Hindu BusinessLine on transforming India’s insurance landscape.
Open the PMFBY portal’s Farmer/Applicant section, enter Aadhaar/Application ID/mobile, select Season and Year (e.g., Kharif 2026), and view status. If your state publishes PDFs, also check the State Agriculture portal for district/taluka/village-wise lists.
Refer to the Karnataka Agriculture Department portal and district circulars. Raitha Samparka Kendras and Gram Panchayats usually display notified village lists and approved applications for the current season.
Yes. Look for season-wise PDFs on the Maharashtra Agriculture portal and use the PMFBY portal to check your individual status with Aadhaar/Application ID. Banks/CSCs may also display sanctioned lists locally.
Yes, for notified crops and only within the notified period (commonly up to 14 days) against specific perils like cyclonic or unseasonal rains. Check your state notification for exact terms.
Keep documents ready (Aadhaar, land records, bank details) and apply through the PMFBY portal, bank, or CSC. Select the correct season (Kharif/Rabi), crop, and notified area, pay the premium, and save the receipt/application ID.
“We do not assume any liability for any actions undertaken based on the information provided here. The information gathered from various sources and are displayed here for general guidance and does not constitute any professional advice or warranty of any kind.”
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