A Kshema product

Kshema Sukriti is the most affordable crop insurance policy that offers tailormade protection to crops for a fixed basic premium of only Rs 499 per acre. This product gives a farmer the freedom to choose protection against a combination of one major and one minor peril from 9 predetermined perils.

Choose protection against any 2 perils

Policy Documents


Frequently Asked Questions

You can apply through Kshema app from your registered mobile number.

If you are using an Android mobile phone, go to the Play Store, type “ Kshema app”, select and download to install. Register on the app.

The required documents are land record proof, sowing certificate, PAN card, bank passbook, tenant certificate if you are a tenant, Aadhaar card and a photo of the insuree.

The government officials from the agriculture department in your area will issue the sowing certificate.

Fire due to lightning
Aircraft damage
Animal attack by Elephant, Monkey, Wild boar and rabbit.

The sum insured varies depending upon the crop, location and crop duration.

Yes, you can cancel your policy at any time by giving us notice or by writing to us through the Kshema app.

You should immediately intimate the loss through the Kshema app or by email to

Loss is assessed through remote sensing technology and satellite imagery. On-site assessment is also done in special cases.

Mention your policy details and upload proof of damage (photo/video) that clearly shows the affected area.

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