PM Fasal Bima Yojana in AP is the national crop insurance scheme that protects a farmer when a crop fails. Enrol in the season window, pay a small premium, and if the crop is damaged by drought, flood, cyclone or pest attack, the insurance company settles a claim. This guide explains PM Fasal Bima Yojana in AP — enrolment, premium and the claim process — and one important caution about the current season.
PM Fasal Bima Yojana in AP at a Glance
| Point | What to know |
|---|---|
| What it is | National crop insurance scheme (PMFBY) for farmers |
| Enrolment | Through bank, CSC or the PMFBY portal, in the season window |
| Premium | Small share paid by the farmer; the rest is subsidised |
| Claims | Settled by the insurance company after loss assessment |
| Important | Confirm AP’s current-season applicability before relying on it |
PM Fasal Bima Yojana in AP: What It Is
PM Fasal Bima Yojana in AP is the state-level operation of the Pradhan Mantri Fasal Bima Yojana, the national crop insurance scheme. It covers the main risks a farmer faces: drought, flood, cyclone, hailstorm, pest attack and disease. When a notified crop fails, the scheme pays a claim based on the loss assessed for the area, so that the farmer is not left with nothing after a bad season.
The scheme is different from the state’s input subsidy. The input subsidy is a relief payment made by the government after a calamity, assessed by enumeration. Crop insurance is a contract: the farmer enrols and pays a premium in advance, and the insurance company pays a claim when the insured event happens. A farmer can be covered by both, but they are claimed through different routes. Our guide to Crop Loss Compensation in AP explains the input subsidy route.
How Enrolment Works
Enrolment in PM Fasal Bima Yojana in AP happens in the season window — the period fixed for each crop and season. A farmer can enrol through the bank where the crop loan is taken, through a Common Service Centre (CSC), through the PMFBY portal, or with help from the Rythu Seva Kendram (RSK). The documents needed are the Aadhaar card, the land records or pattadar passbook, the bank passbook, and the sowing certificate or e-Panta record for the crop.
Tenant farmers can also enrol, with a Crop Cultivator Rights Card (CCRC) or the documents the scheme accepts for the season. The important rule is the deadline: enrolment after the season window closes is not possible, so the farmer must enrol at the start of the season. Our guide to the Rythu Seva Kendram (RSK) explains the village farmer centre that helps with enrolment, and the PM Fasal Bima portal is the official source for enrolment and claim status.
Premium: What the Farmer Pays
The premium under PM Fasal Bima Yojana in AP is kept small for the farmer. The farmer pays a small share of the premium, and the rest is subsidised by the central and state governments. That is the design of the scheme: a farmer should be able to insure a crop for a small amount, and the government carries the rest of the cost.
Do not rely on a single figure for the farmer’s share, because the share and the sum insured depend on the crop, the season and the notification for that year. The exact premium for a crop is shown at enrolment, on the portal and at the bank or CSC. Always check the premium and the sum insured printed on the acknowledgement, and keep that acknowledgement safe — it is the proof of the insurance.
How Claims Work
When a crop is damaged, the claim under PM Fasal Bima Yojana in AP is settled by the insurance company, based on the loss assessed for the area. For widespread calamities such as drought or flood, the claim is assessed on the basis of crop-cutting experiments and the yield of the area, and the payment is made to the enrolled farmers of that area. For localised calamities such as hailstorm or landslide, the farmer reports the loss and the loss is assessed on the individual field.
The farmer should report the loss promptly — within the time the scheme allows — through the portal, the toll-free number, the bank or the RSK, and keep photographs of the damage. The claim is paid into the farmer’s bank account. If a claim is delayed, the farmer can check the status on the PM Fasal Bima portal or raise a grievance through the RSK; our guide on raising a grievance on the NBM portal explains the grievance route for AP services.
Important: Check AP’s Current Season Applicability
There is one caution that matters more than anything else in this guide. Andhra Pradesh’s participation in PM Fasal Bima Yojana in AP has changed across years, and the scheme’s applicability for a particular season depends on the state’s notification for that season. A farmer should never assume that the scheme is running for a crop in a particular season on the basis of an old article or a neighbour’s experience.
Before relying on PM Fasal Bima Yojana in AP for the current season, confirm three things: that the scheme is notified for the crop and the season, that the enrolment window is open, and that the premium and the sum insured are as shown on the portal. Check on pmfby.gov.in, ask at the Agriculture Department or the RSK, and read the season’s notification. The Department of Agriculture and Farmers Welfare publishes the scheme’s national details, and the AP Agriculture Department portal carries the state’s announcements.
Documents and Deadlines
The documents for PM Fasal Bima Yojana in AP are the same ones a farmer uses for most farm schemes: Aadhaar, land records or passbook, bank passbook, and the e-Panta or sowing record for the crop. Tenant farmers should carry the CCRC card. Keep a copy of every acknowledgement — enrolment, premium receipt, loss report — because a claim is only as strong as its paperwork.
The deadlines are the season window for enrolment and the loss-reporting window after damage. Both are fixed by the notification and are not extended for individuals. Our guides to Annadata Sukhibhava 2026-27 and PM Kisan Scheme 2026 explain the other income support a farmer can claim alongside insurance, and our roundup of AP government schemes in November 2026 gives the wider picture.
Frequently Asked Questions
What is PM Fasal Bima Yojana in AP?
It is the national crop insurance scheme, Pradhan Mantri Fasal Bima Yojana, as it operates in Andhra Pradesh. It insures notified crops against drought, flood, cyclone, hailstorm, pest attack and disease.
How do I enrol in PM Fasal Bima Yojana in AP?
Enrol in the season window through your bank, a Common Service Centre, the PMFBY portal, or with help from your Rythu Seva Kendram. Carry Aadhaar, land records, bank passbook and the e-Panta record.
How much premium does the farmer pay?
The farmer pays a small share of the premium and the rest is subsidised by the governments. The exact share depends on the crop, season and notification, so check it at enrolment.
How is a claim settled?
For widespread calamities the claim is based on the area’s assessed yield; for localised damage the loss is assessed on the individual field. Report the loss promptly and keep the acknowledgement.
Is PM Fasal Bima Yojana in AP running for the current season?
Andhra Pradesh’s participation has changed across years, so confirm the current season’s applicability on pmfby.gov.in, with the Agriculture Department, or at your RSK before relying on it.
PM Fasal Bima Yojana in AP can be the difference between a bad season and a ruined one — but only if the farmer enrols in the window, keeps the acknowledgement, and checks that the scheme is actually running for the crop and the season. Enrol early, report losses promptly, and verify the current notification.
Last updated: November 2026
Premium Rates for PM Fasal Bima Yojana in AP
The farmer’s share of the premium under PM Fasal Bima Yojana in AP is capped by the scheme’s design: 2% of the sum insured for kharif crops, 1.5% for rabi crops, and 5% for commercial and horticultural crops. The central and state governments share the balance of the actuarial premium between them, which is often far higher than the farmer’s share. Take a crop with a sum insured of ₹1,00,000: a kharif farmer pays ₹2,000 and a rabi farmer pays ₹1,500. The sum insured itself is worked out from the scale of finance fixed for the crop in the district, multiplied by the area sown, so it reflects the real cost of raising the crop.
These are the scheme’s published ceilings. The exact premium and sum insured for a crop in a particular season are shown at enrolment, on the PM Fasal Bima portal and at the bank or CSC. Always check the premium and the sum insured printed on the acknowledgement, and keep that acknowledgement safe — it is the proof of the insurance.
What the Cover Includes
PM Fasal Bima Yojana, launched in 2016, covers the crop from sowing to harvest. The cover includes prevented sowing, when a farmer cannot sow because of adverse weather; mid-season adversity, when drought or dry spells cut the yield; and localised calamities such as hailstorm, landslide and inundation, where the damage on the affected field is assessed directly. Post-harvest losses are also covered for two weeks after harvest, for crops kept in the field to dry.
For a general yield loss, the claim under PM Fasal Bima Yojana in AP is worked out by comparing the actual yield of the area with the threshold yield fixed for it, using crop cutting experiments. If the actual yield falls below the threshold, the shortfall is paid as compensation, by direct benefit transfer into the farmer’s Aadhaar-seeded bank account. That is why the Aadhaar seeding and the land record matter so much: check your 1B and Adangal on MeeBhoomi before you enrol, and get any mistake corrected at the revenue office.
How to Enrol in PM Fasal Bima Yojana in AP: Six Steps
- Check the notified crops and the cut-off date. Open the PMFBY portal or ask at your Rythu Seva Kendram which crops are notified for your district this season and what the last date for enrolment is — and confirm the scheme is notified for your crop and season. Do not trust a date forwarded on social media.
- Get your records ready. Aadhaar, bank passbook, 1B and Adangal from MeeBhoomi, and the sowing details for the season — crop, area sown and survey numbers. If your name on the land record does not match your Aadhaar, get it corrected first. Tenant farmers should carry a Crop Cultivator Rights Card or a tenancy agreement, and loanee farmers should have their crop loan details ready.
- Enrol at the bank, a Common Service Centre, the portal, or with help from the RSK. Loanee farmers are enrolled through their bank. Our guide to the Rythu Seva Kendram (RSK) explains the village farmer centre that helps with enrolment.
- Pay the farmer’s share of the premium. 2% for kharif, 1.5% for rabi and 5% for commercial and horticultural crops, on the sum insured. The bank or centre will give you an acknowledgement.
- Keep the acknowledgement safe. It carries your application number and the crop, area and sum insured. You will need it to check the status and to claim.
- Check the status. After a few days, check your application status on the PMFBY portal with your acknowledgement or Aadhaar number, and confirm that the crop and area are recorded correctly.
How to Claim Under PM Fasal Bima Yojana in AP: Report Within 72 Hours
If a crop is damaged, report the loss within 72 hours — that deadline matters, and a late report can be rejected. Report it on the PMFBY portal, on the crop insurance app, on the toll-free helpline 14447, or at your bank, Common Service Centre or Rythu Seva Kendram. Give the crop, the survey numbers, the extent of the damage and the date it happened. Keep photographs of the damage.
Once the claim is approved, the money is paid by direct benefit transfer into your Aadhaar-seeded bank account, so a bank account that is not seeded with Aadhaar is the most common reason a claim payment fails. If a payment is delayed, first check the claim status on the PMFBY portal with your application number. If the portal shows a problem you cannot resolve at the bank, raise a grievance on the GSWS NBM grievance portal with your Aadhaar number, or call the general helpline 1902. If a payment under another farm scheme has not reached you, the cause is usually the same record problem — our guide to Crop Loss Compensation in AP explains how to check that route too.
More Questions About PM Fasal Bima Yojana in AP
What is the premium for PM Fasal Bima Yojana in AP?
The farmer pays 2% of the sum insured for kharif crops, 1.5% for rabi crops and 5% for commercial and horticultural crops. The central and state governments pay the rest of the premium.
What is the PM Fasal Bima Yojana helpline number?
14447 is the PMFBY toll-free helpline. Use it to report a loss, check a claim, or ask about enrolment for the season.