Pradhan Mantri Fasal Bima Yojana (PMFBY): Crop Insurance Coverage, Claim Timelines & Localized Calamities
A legal and operational guide to crop insurance under PMFBY: statutory premium caps (2% Kharif, 1.5% Rabi), non-loanee enrollment rules, the mandatory 72-hour localized calamity intimation protocol, and post-harvest drying risk coverage.
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Agrinance Agricultural Research DeskAgricultural Policy & Farm Finance Research Group
Published: 23 October 2026Substantively Updated: 25 October 2026Reviewed by: Dr. Arvind K. Sharma
Official Citations & Verified Sources
Agrinance adheres to a strict zero-fabrication editorial policy. The claims, subsidy rates, and statutory provisions in this publication have been verified against the following public records:
- 1. Pradhan Mantri Fasal Bima Yojana (PMFBY) Revised Operational GuidelinesSourceMinistry of Agriculture & Farmers Welfare, Govt of India•Official Operational Guideline• Verified 2026-10-27
Supports: “2% Kharif and 1.5% Rabi statutory premium caps, and mandatory 72-hour localized claim window.”
Related Questions & Clarifications
Direct answers to operational questions related to this guide.
For localized calamities (hailstorms, landslide, or post-harvest water inundation), the farmer must report the loss within 72 hours of occurrence. Claims can be reported by calling the national toll-free helpline at 14447, logging the event on the Crop Insurance App, or submitting a written notice to the issuing bank branch.
Source: Ministry of Agriculture & Farmers Welfare, Govt of IndiaOfficial Portal