Crop Insurance 2026: Is Your Farm Loss Covered?

More Indian farmers enrolled in the government's PMFBY crop insurance scheme for Kharif 2026, with West Bengal rejoining. Erratic monsoons are pushing farmers to finally take cover seriously — but are the payouts actually worth it?

Here's what happened: PMFBY enrolled approximately 2.73 crore farmers in the Kharif 2026 season, driven by growing anxiety over erratic monsoon patterns across major farming states.. West Bengal rejoined the Pradhan Mantri Fasal Bima Yojana after a multi-year exit, restoring formal crop insurance access to millions of smallholder farmers in the state.. Rising climate volatility — unseasonal rainfall, droughts, and floods — is making crop insurance a practical necessity rather than an optional government benefit..

What you should do: Check your PMFBY enrolment status at pmfby.gov.in using your Aadhaar or Kisan Credit Card number before the Kharif sowing deadline in your district.. If you took a Kisan Credit Card loan, verify with your bank branch whether you were auto-enrolled and what sum insured has been assigned to your land holding.. File a crop loss intimation within 72 hours of damage — missing this window is the single biggest reason valid PMFBY claims get rejected by insurers..

PMFBY covers post-harvest losses for up to 14 days after cutting — most farmers miss this window entirely because they don't know to report damage within 72 hours of the weather event.

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