One app to guard against 8 perils
India’s first location-aware agriculture insurance platform
App Features
01
Multilingual app
Connects with farmers in their preferred
language from a list of 11 Indian languages.
02
Hassle-free & paperless
Streamlines the insurance process, making it easy
and eco-friendly with paperless transactions.
03
Satellite-based imagery
Uses satellite-based imagery to validate farm
details and verify claims for quick settlement.
04
Comprehensive coverage
Covers 100+ crops catering to both
seasonal and perennial needs.
05
Quick digital processes
Simplified verification process with quick and secure
digital KYC and seamless online claims option.
06
Tailor-made products
Choose among our products Prakriti and Sukriti based on your needs or opt for PMFBY, if available in your state.
Kshema app is our proprietary risk management platform that enables us to adopt a progressive approach of strategic resilience towards risk by building mechanisms that allow timely information flow and transparency.
- It uses each farm unit to recognise, assess and price the risk adequately across 127 Micro-climatic zones of India.
- Data transparency and adequate risk pricing are achieved through satellite-based imagery
With the Kshema app, you can protect your crops from 8 perils*
Fire due to lightning
Landslide
Cyclone
Flood
Inundation
Earthquake
Animal attack
Hailstorm
* the number of perils covered may vary according to the plan that you take.
Protect your crop in easy steps.
- Download the Kshema app and register.
- Mark your field area with a polygon.
- Select the policy and pay your premium.
