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R-WBCIS States ( राज्य ) - Kharif (खरीफ) 2026

PMFBY Marketing Awareness

Scheme Features

I. The scheme provides Insurance coverage to all Farmers for their crops as notified by the State Governments

All farmers including sharecroppers and tenant farmers growing the notified crops in the notified areas are eligible for coverage.

  • Farmers should have insurable interest for the notified/ insured crops.
  • The non-loanee farmers are required to submit necessary documentary evidence of land records prevailing in the State (Records of Right (RoR),Land possession Certificate (LPC) etc.) and/ or applicable contract/agreement details/ other documents notified/ permitted by concerned State Government (in case of sharecroppers/ tenant farmers).

a. Compulsory Component
All farmers availing Seasonal Agricultural Operations (SAO) loans from Financial Institutions (i.e. loanee farmers) for the notified crop(s) would be covered compulsorily.

It is mandatory for all loanee cultivators to insist on insurance coverage as per provisions of the Scheme.

  • Any change in crop plan should be brought to the notice of the bank at least 2 days before cut-off-date.
  • Insurance Proposals are accepted only upto a stipulated cut-off date as declared by the SLCCC/ state Government Notified.
Claim Process

The Scheme operates on the principle of “Area Approach” in the selected Defined Areas which are called Insurance Unit (IU), basis Crops and Defined Areas in accordance with decision taken in the State level coordination committees on crop insurance of the respective State/UT Government . These units are notified as insurance unit applicable to Village/Village Panchayat or any other equivalent unit for major crops. For other all other crops it may be a unit of size above the level of Village/ Village Panchayat.

The main claims payout would be made, basis the Area Approach, subject to the following:

  • State has to conduct requisite number of Crop Cutting Experiments(CCEs) at the level of notified insurance unit area;
  • CCE based yield data will be submitted to insurance company within the prescribed time limit to calculate the claims payable basis the respective notified insurance unit area
R-WBCIS States ( राज्य ) - Rabi (रबी) 2025-26