**Executive Summary**
This document outlines the operational guidelines of the Pradhan Mantri Fasal Bima Yojana (PMFBY) including quality checks, timelines, and grievance redressal mechanisms. Key dates mentioned are generally 31st July for Kharif season and 31st December for Rabi season concerning the farmer enrollment deadline. It also covers application rejection protocols and monitoring committee structures.
**Key Points / Main Content**
* **Application Compliance and Rejection:**
* Applications are subject to quality checks and validation for compliance with PMFBY operational guidelines.
* Applications lacking correct details, incomplete information, or required documents are liable for rejection by insurance companies.
* The deadline for premium debit/enrollment is 60 days from the cutoff date, typically July 31st for Kharif and December 31st for Rabi seasons.
* **Application Reconsideration:**
* Deficient applications are returned to enrollment channels (CSC, intermediaries, banks) for document upload.
* Approved applications are those with desired documents; others are rejected.
* Farmers can report rejected applications through KrishiRakshak Portal & Helpline, agriculture officers, or the District Level Grievance Redressal Committee (DGRC) with supporting documents.
* **Claim Settlement and Application Rejection Review:**
* While there's a provision for delayed claim payment, there's no penalty mechanism for application rejections.
* District and State governments must reconcile and review application rejections.
* Rejections are only approved by insurance companies after State Government approval through the National Crop Insurance Portal.
* **Monitoring and Grievance Redressal:**
* District and State Level Monitoring Committees are established for scheme implementation monitoring.
* KrishiRakshak Portal & Helpline (KRPH) with toll-free number 14447, available 24/7, handles initial grievance redressal.
* Appellate grievance redressal mechanisms include District and State Grievance Redressal Committees (DGRC & SGRC).
**Impact Analysis**
**Farmers/Insured Applicants**
* **Impact:** Affected by application acceptance/rejection, claim settlement delays, and access to grievance redressal.
* **Action Required:** Ensure application completeness, utilize KrishiRakshak Portal & Helpline for grievances, and approach relevant grievance redressal committees if needed.
**Insurance Companies**
* **Impact:** Responsible for application quality checks, claim settlement, and adhering to operational guidelines.
* **Action Required:** Implement the PMFBY guidelines, process claims timely, and ensure application rejections are state government approved.
**State Governments/Agriculture Departments**
* **Impact:** Responsible for monitoring scheme implementation, reconciling rejections, and participating in grievance redressal.
* **Action Required:** Review rejections, reconcile and review application rejections and participate in Monitoring Committees.
**Ministry of Agriculture & Farmers Welfare**
* **Impact:** Oversight of the entire PMFBY scheme.
* **Action Required:** Ensure the PMFBY scheme is managed efficiently.
Key Entities Referenced
Pradhan Mantri Fasal Bima Yojana (PMFBY): A crop insurance scheme to provide financial support to farmers suffering crop loss/damage arising out of unforeseen events.
Operational Guidelines of Pradhan Mantri Fasal Bima Yojana: The specific guidelines governing the implementation and operation of the PMFBY scheme, including eligibility, procedures, and timelines.
Ministry of Agriculture & Farmers Welfare: The Indian government ministry responsible for the development and implementation of policies and programs related to agriculture and farmers' welfare, including PMFBY.
Insurance Companies: Entities responsible for providing crop insurance coverage and processing claims under the PMFBY scheme.
KrishiRakshak Portal & Helpline (KRPH): A grievance redressal mechanism available to farmers under the PMFBY scheme.
Ministry of Agriculture & Farmers Welfare
Operational Guidelines of Pradhan Mantri Fasal
Bima Yojana
प्रव तथ: 02 DEC 2025 5:43PM by PIB Delhi
All the applications enrolled in NCIP are subjected to Quality Check and Validation to ensure compliance
with the provisions of Operational Guidelines of Pradhan Mantri Fasal Bima Yojana such as having
Insurable Interest in the crop being insured, ownership of land or proof of being a tenant or share cropper,
insured land area being equal to or less than the actual land area of the land parcel, insured crop to be
same as that of sown crop and farmer name to be same as per the Aadhaar Name etc. The Applications
which do not comply with these basic pre-requisites and provisions of the Operational Guidelines or have
been created without providing correct details, incomplete details or without the required documents are
liable to be rejected by the Insurance Companies. The Maximum timeline provided as per the Operational
Guidelines for the same is 60 days from the cut-off date for debit of premium/enrollment of farmers in the
scheme, which generally is 31st July for Kharif season and 31st Dec for Rabi season.
The applications deficient in documents are reverted back by the Insurance Companies to the enrollment
channel (CSC, Insurance Intermediary/Banks) for providing/uploading the missing documents. In case the
desired documents are provided, the applications are approved by the Insurance Companies else are
rejected. In case the concerned farmer have objection against the rejection of the applications, the same
can be reported through KrishiRakshak Portal & Helpline to the Insurance Company or can approach the
Talik/tehsil/District level officers of Agriculture Department or through the District Level Grievance
Redressal Committee (DGRC) with desired documents for reviewing the applications and reconsider the
same for approval by the Insurance Companies.
The Operational Guidelines has a provision for delayed claim payment on account of delay in settlement
of claims beyond given timelines however, there is no mechanism to impose penalty on rejection of
applications as the concerned District and State Govt. are required to reconcile and review rejection of
applications. Only those applications can be rejected by the Insurance Companies, which are approved for
rejection by the concerned State Govt. through National Crop Insurance Portal.
The Operational Guidelines of PMFBY has a provision for constitution of District level Monitoring
Committee and State Level Monitoring Committee under the chairmanship of District Magistrate and
Principal Secretary of Agriculture Department, respectively, as a mechanism for monitoring the overall
implementation of the scheme. For redressal of Grievances of the insured/applicant farmers, first level of
Grievance Redressal for the insured farmers under the scheme is provided through KrishiRakshak Portal
& Helpline (KRPH) available through single toll-free number 14447. KRPHis available 24 X 7 all days in
a year through web-portal and voice calls catered through more than 500 KRPH Executives located across
10 locations in the country.
Further, the appellate level of Grievance Redressal mechanism through various grievance redressal
committees is also available under the scheme such as District Grievance Redressal Committee (DGRC)
& State Grievance Redressal Committee (SGRC).This information was given by Minister of State for Agriculture and Farmers Welfare, Shri Ramnath
Thakur in a written reply in Lok Sabha today.
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RC/AR
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