Continuous rainfall across several states has caused massive crop damage, leaving farmers among the worst affected. From floods in the plains to landslides in hilly regions, standing crops have suffered heavily. For those insured under Pradhan Mantri Fasal Bima Yojana (PMFBY), timely compensation can provide crucial relief. But many claims fail due to avoidable mistakes. Here’s how farmers can file claims without hurdles.
1. What is PM Fasal Bima Yojana?
Launched by the central government, PMFBY allows farmers to insure their crops, including:
Rabi crops (winter crops)
Kharif crops (monsoon crops)
Horticultural or commercial crops
The scheme is highly affordable:
Rabi crops: 1.5% premium
Kharif crops: 2% premium
Commercial/horticultural crops: 4% premium
The remaining premium is shared between central and state governments. In case of crop loss due to natural calamities, pests, or diseases, farmers can claim financial compensation from the insurance company.
2. Mistakes Farmers Must Avoid While Filing Claims
Even the best insurance schemes won’t help if claims are submitted incorrectly. Here are three common mistakes to avoid:
Mistake 1: Not Reporting the Damage on Time
Delaying the report of crop loss is one of the most common errors.
Timeline: Crop damage must be reported within 72 hours of the disaster.
How to Report:
PMFBY mobile app
Nearest agriculture office
Insurance company directly
Late reporting often results in claim rejection, so prompt action is crucial.
Mistake 2: Providing Wrong or Incomplete Information
Submitting inaccurate or incomplete information is another reason claims get delayed or rejected. Farmers should ensure the claim form includes:
Correct crop name
Season details (Rabi/Kharif)
Bank account details
Land records
Registered mobile number
Accurate description of crop loss
Tip: Double-check every detail before submission to avoid unnecessary delays.
Mistake 3: Ignoring Required Documents
Incomplete documentation is a major reason for claim denial. Essential documents include:
Recent photographs of the damaged crops
Aadhaar card copy
Bank account details
Land ownership or tenancy documents
Ensure all required proofs are attached, as missing documents can make your claim invalid.
3. Where to Report Crop Loss
Farmers can report crop damage through multiple channels:
PM Fasal Bima Yojana mobile app
Nearest agriculture department office
Direct contact with insurance company
PMFBY helpline: 14447
Prompt reporting and proper documentation ensure faster compensation.
4. Final Word
The Pradhan Mantri Fasal Bima Yojana is a lifeline for farmers during natural disasters like floods, unseasonal rains, or landslides. However, mistakes in filing claims can prevent farmers from receiving timely relief.
Key Takeaways:
Report crop damage promptly (within 72 hours)
Provide accurate and complete information in the claim form
Attach all required documents before submission
By following these simple steps, farmers can secure financial assistance without unnecessary hurdles. For millions affected by recent heavy rains, timely action can make the difference between relief and loss.
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