Crop losses due to floods, droughts, pests, or unseasonal rain are a constant challenge for Indian farmers. The Pradhan Mantri Fasal Bima Yojana (PMFBY) is a central government-backed insurance scheme that safeguards farmers’ incomes from such uncertainties. In 2025, the crop insurance claim 2025 process has been digitized and simplified to make claim filing faster, more transparent, and more farmer-friendly.
Under PMFBY, farmers can now file crop loss claims directly from their mobile phones, access real-time status updates, and receive payouts directly into their bank accounts via DBT (Direct Benefit Transfer).
What Is Covered Under PMFBY?
The PMFBY scheme covers a range of losses that affect crop yield and production. These include:
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Drought, flood, and cyclone damage
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Pests and plant disease outbreaks
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Landslides, hailstorms, and lightning
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Unseasonal rain and heatwaves
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Mid-season losses and prevented sowing
Farmers enrolled in the scheme are insured from sowing to post-harvest stages. The crop insurance claim 2025 system now operates with real-time monitoring and remote sensing technology for quick damage assessment.
Who Can File a Claim Under PMFBY?
To be eligible to file a claim:
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You must be a registered farmer under PMFBY for the 2024–25 crop season
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Your name must be on the insurance policy and land documents
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You must have suffered a verified crop loss due to a natural calamity or pest attack
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Your Aadhaar and bank account must be seeded with the PMFBY registration
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You must file the claim within 72 hours of the event (for individual loss cases)
This process applies to both loanee and non-loanee farmers.
Step-by-Step: Filing Your PMFBY Crop Insurance Claim in 2025
Here’s a simplified walkthrough of the crop insurance claim 2025 process:
1. Assess and Report the Damage
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Visit the affected field and take geo-tagged photos as proof
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Report the damage to your nearest agriculture officer, insurance company, or CSC (Common Service Center)
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Make the report within 72 hours of the loss
2. Submit Required Documents
You will need to upload or submit the following:
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PMFBY registration or insurance certificate
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Aadhaar card and land ownership documents
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Crop sown declaration and photographs
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Bank account details and IFSC code
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Damage assessment form from Gram Panchayat (if applicable)
3. File the Claim Online
Use one of these platforms to submit your claim:
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PMFBY official website: https://pmfby.gov.in
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PMFBY mobile app (available on Android)
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CSC (Common Service Centers) in your village
Farmers will receive an application ID to track the claim.
4. Field Verification and Assessment
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Officials from the insurance company will visit the farm
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Remote sensing and drone tech may also be used
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Final yield data will be collected from notified agencies
5. Settlement and Payout
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Once verified, the claim is approved
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Funds are directly credited to the farmer’s Aadhaar-linked bank account
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Most claims are settled within 30–45 days
Key Improvements in 2025 Claim Process
The government has made major enhancements to the scheme in 2025:
| Improvement | Benefit to Farmers |
|---|---|
| Real-time claim tracking | Farmers get SMS/email updates on status |
| Drone-based assessment | Speeds up damage inspection and approvals |
| Mobile filing via PMFBY app | Removes middlemen and long queues |
| Integrated with e-KYC and DBT | Ensures faster, verified bank transfers |
| Grievance redressal hotline 155261 | For complaints and support during the process |
These upgrades have increased farmer satisfaction and transparency significantly.
Tips to Avoid Claim Rejection
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Always sow the insured crop on the declared plot
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Report damage within 72 hours without fail
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Make sure your Aadhaar and bank account are updated
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Retain a copy of your insurance receipt and claim ID
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Monitor your mobile/email for verification calls or inspection alerts
Being prompt and accurate with the information ensures smooth processing.
FAQs
What is the deadline to file a crop insurance claim?
You must file your PMFBY crop insurance claim within 72 hours of the loss event.
Can I check the status of my claim online?
Yes, you can visit pmfby.gov.in and enter your application ID or Aadhaar number to track claim status.
Do I need to pay any fees for claim processing?
No. Claim filing and processing under PMFBY is completely free of cost for registered farmers.
What if I missed the 72-hour reporting window?
Late claims are usually rejected. However, you may submit a written justification to the District Agriculture Office for consideration.
Can tenant or lease farmers file claims?
Only if they are officially registered under PMFBY and have crop and land documentation to support the claim.