What you get

• Low premium for farmers: at most 2% for Kharif and 1.5% for Rabi food grain and oilseed crops.
• At most 5% premium for commercial and horticultural crops.
• The Central and State Governments pay the rest of the premium.
• Covers loss of yield in standing crops from drought, dry spells, floods, inundation, cyclones, hailstorms, lightning, pests and diseases (assessed on an area basis).
• Prevented sowing: if bad weather stops you sowing, a claim of up to 25% of the sum insured (where the state has notified this cover).
• Post-harvest losses: crops left to dry in the field are covered for up to 14 days after harvest against cyclones and unseasonal rain.
• Localised calamities such as hailstorm, landslide, inundation, cloud burst and natural fire are assessed for each farm.
• Claims are paid directly into your bank account.

Who can apply

• All farmers, including sharecroppers and tenant farmers, who grow a notified crop in a notified area.
• You must have an insurable interest in the crop and land, with land records, a tenancy/sharecropping agreement or a sowing certificate as required by your state.
• You must apply before the cut-off date for your crop and district.
• The scheme is voluntary for all farmers. Farmers with a crop loan or KCC are enrolled automatically through their bank unless they opt out at least 7 days before the cut-off date.
• Aadhaar is mandatory.
• Available only in states and UTs implementing the scheme (25 in Kharif 2026).

Who cannot apply

• People without an insurable interest in the insured land and crop; for example, having only a loan against gold, jewellery or a fixed deposit does not qualify.
• Losses in areas not notified for the crop, before sowing or after the crop is removed from the field, or from negligence or man-made or preventable causes, are not covered.
• Losses from war, nuclear risks, riots or theft are not covered.

Documents usually needed

• Aadhaar card (or Aadhaar enrolment ID).
• Land records or Land Possession Certificate; tenant farmers and sharecroppers give the contract or document their state requires.
• Sowing certificate or a self-declaration of the crop you intend to sow.
• Copy of your bank passbook.
• Mobile number (required if you enrol through a CSC).

How to apply

1. Farmers with a crop loan or KCC: your bank enrols you and deducts the premium from the loan. To stay out, give the bank a written opt-out at least 7 days before the cut-off date.
2. Other farmers: go to a bank branch, PACS, Common Service Centre (CSC), or insurance company agent, or fill the online form on the National Crop Insurance Portal before the cut-off date.
3. Submit the documents and pay your share of the premium. CSCs must not charge you any fee.
4. For a localised calamity or post-harvest loss, report it within 72 hours through the Crop Insurance App, the toll-free number, the insurance company, your bank, or the agriculture department.
5. For complaints, call the Krishi Rakshak Portal & Helpline on 14447 (toll-free).