How to Check Crop Insurance Status and Claim Settlement Online

The rains came. The crop is gone. And now you’re sitting with a PMFBY policy number wondering whether anyone has done anything about it — or whether the ₹10,000 crore the government disbursed last year is actually going to reach your bank account.

That anxiety is real, and you’re not alone in it. Every Kharif and Rabi season, thousands of farmers check crop insurance status online (fasal bima status check kaise karein) only to find the portal confusing or the status frozen at “under process.” This guide cuts through that. Whether you enrolled through your bank, a CSC centre, or directly on the portal — here is exactly how to track your PMFBY application and claim from your phone.

What You’re Actually Tracking

PMFBY — Pradhan Mantri Fasal Bima Yojana — runs on a national platform at https://pmfby.gov.in, managed by the Ministry of Agriculture and Farmers Welfare. When you enroll, your application goes through multiple stages: premium verification, policy issuance, and then (if you filed a claim) damage assessment, insurer approval, and DBT credit to your bank.

“Status check” can mean two different things depending on where you are in that chain. Are you checking whether your enrollment went through? Or are you tracking a claim you already filed after crop damage? Both can be done on the same portal, but the path is slightly different.

What You Need Before You Open the Portal

Keep these handy before you start:

• Aadhaar number (12 digits) — this is the primary identifier on the portal
• Application/Policy ID — from the acknowledgement receipt you got when enrolling (through bank, CSC, or online)
• Mobile number registered with PMFBY at the time of enrollment
• If checking via the Crop Insurance App: your registered mobile number for OTP login

One thing I have seen trip people up repeatedly: if your Aadhaar is not linked to your bank account, the claim may have been processed and still not reflected in your account. That is a DBT linkage issue, not a status issue — and you need to fix it at the bank before anything else.

Method 1: Check Status on pmfby.gov.in (Primary Portal)

This works on both mobile and desktop. On mobile, the site is functional but can be slow on 2G — switch to Chrome or the default browser; avoid UC Browser or Opera Mini, which sometimes block the CAPTCHA loading.

Step 1. Open https://pmfby.gov.in in your browser. The homepage shows a rotating banner. Scroll down slightly or look for the top navigation bar.

Step 2. Click on “Application Status” — it appears as a distinct button on the homepage navigation, not buried in a menu. On mobile, it may show as a card tile on the home screen.

Step 3. You will land on a page with a dropdown and input fields. Select your Season (Kharif/Rabi) and Year from the dropdown. Then enter your Application Number in the field provided.

Step 4. Enter the CAPTCHA and click “Check Status.”

The result screen shows your application at whichever stage it has reached — from “Premium Received” to “Policy Issued” to “Claim Intimated” to “Claim Settled.”

Quick tip from experience: always screenshot this page. The portal sometimes times out on refresh and you lose the result. One screenshot saves a lot of repeat effort.

Method 2: Check via Farmer Corner Using Aadhaar

If you don’t have your application number — which happens often when someone else enrolled you through a bank — you can use your Aadhaar number instead.

Step 1. Go to https://pmfby.gov.in and click on “Farmer Corner” in the top navigation.

Step 2. From the dropdown, select “Farmer Login.” If you have already created a login, enter your mobile number, captcha, and OTP. If you haven’t, select “Guest Farmer” to register first with your Aadhaar.

Step 3. Once logged in, the dashboard shows your policy details, premium status, and claim progress under your enrolled crops.

Step 4. To see the claim status specifically, go to “Know Your Claim Status” within the Farmer Corner section. Enter your policy ID or Aadhaar and the system fetches the insurer’s latest update on your claim.

This route also shows which insurance company is handling your claim — because PMFBY is implemented by different insurers (like Agriculture Insurance Company, Bajaj General, New India Assurance, etc.) depending on your state and district. If something is stuck, knowing your insurer’s name lets you call them directly.

Method 3: Check via the Crop Insurance App (Best for Mobile Users)

The Crop Insurance app — listed as “Crop Insurance” on Google Play — is the official app of the Department of Agriculture and Farmers Welfare. It is genuinely more stable than the website on a phone.

Step 1. Download the app from Google Play Store (search “Crop Insurance” — it’s published by “Ministry of Agriculture”).

Step 2. Register with your mobile number and Aadhaar. OTP comes to your registered mobile.

Step 3. After login, select “Application Status” from the main menu. Enter your Aadhaar or Application ID.

Step 4. The app shows your full claim history and the current processing stage.

Bonus: you can also use this app to report crop loss and upload photos of damage — which is crucial (more on that in the next section).

How to Report Crop Loss and File a Claim

This matters a lot, so pay close attention: for localized calamities — hailstorm, landslide, flood, inundation — you have exactly 72 hours from the damage event to report the loss. Miss this window and the insurer is legally allowed to reject your individual claim.

72 ghante — that’s it. Not 3 working days. 72 actual hours.

Here’s how to do it:

Option A — Call the Helpline. Dial 14447 (Krishi Rakshak Helpline, toll-free). State your name, policy number, crop type, and the nature of the damage. You will receive a ticket number via SMS. Save it.

Option B — WhatsApp Chatbot. Send a message to 7065514447 on WhatsApp with your damage details. This works even on a basic 2G connection and is increasingly preferred by farmers who can send photos of the damaged field along with the text.

Option C — Crop Insurance App. Open the app → “Report Crop Loss” → fill in the incident details (policy number, crop, loss cause, affected area) → upload a geo-tagged photo of the damaged field. The app uses your phone’s GPS automatically.

Option D — Bank or CSC. Walk into the bank branch where you hold your KCC account or the CSC where you enrolled. They will file the intimation on your behalf on the portal.

After intimation, the insurer is required to appoint a loss assessor within 48 hours. The assessment should be completed within 10 days. And the claim payment, once assessed, should reach your account within 15 days (as per PMFBY operational guidelines). That’s the official timeline: 48 hours → 10 days → 15 days.

What Each Status Message Actually Means

When you check on the portal, here’s plain-language translation of what you might see:

• “Application Submitted / Premium Pending” — Your enrollment form is in, but the premium hasn’t been deducted or verified yet. If you paid through a bank, follow up with them.
• “Policy Issued” — You’re covered. Premium has been received and policy is active. Note the policy number.
• “Claim Intimated” — Your loss report has been filed and received by the insurer. A surveyor will be assigned.
• “Survey Scheduled / Under Assessment” — The assessor has been appointed and field inspection is underway or pending.
• “Claim Approved / Under Disbursement” — Claim has been approved. Money is being processed for transfer to your bank account via DBT.
• “Claim Settled” — Payment has been released. Check your Aadhaar-linked bank account. If it hasn’t arrived in 3–5 working days, contact your bank.
• “Claim Rejected” — You will see a reason. Common reasons: late intimation, crop/village not notified, duplicate claim, or Aadhaar-bank mismatch. Each can be challenged — see below.

State-Specific Portals Worth Knowing

While pmfby.gov.in is the central portal, some states have their own systems that work alongside it:

• Maharashtra — Check via https://dbt.mahapocra.gov.in in addition to the central portal. Maharashtra has its own Disaster Management portal for localized claims.
• Karnataka — The Samrakshane Portal handles PMFBY status for Karnataka farmers. Also check via the central portal under “Farmer Corner.”
• Madhya Pradesh — https://mpfasal.nic.in gives state-level policy and claim updates. Many farmers in MP find this faster than the central portal.
• Uttar Pradesh — https://upagriculture.com has a PMFBY section with state-specific notifications and village lists.

If the central portal shows “No record found” but you know you enrolled, check the state portal — there’s sometimes a lag in data syncing between the two systems.

Fees, Timelines, and What Happens If They Miss the Deadline

The farmer’s premium contribution is:

• Kharif crops: 2% of the sum insured
• Rabi crops: 1.5% of the sum insured
• Commercial/Horticultural crops: 5% of the sum insured

The rest is shared by the Central and State governments. CSC centres may charge a service fee of ₹15–₹40 (as of 2025–26) for assisted enrollment — that’s separate from the premium.

Here’s something most guides skip entirely:

If your claim payment is delayed beyond the prescribed settlement timeline, the insurance company must pay you 12% annual interest on the delayed amount. This was introduced in the revised PMFBY operational guidelines and it applies automatically. You don’t need to ask for it — but in practice, you may need to escalate through the grievance system to trigger it.

Common Mistakes and How to Fix Them

❌ Not reporting crop loss within 72 hours ✅ The moment you see damage from a localized calamity, call 14447 or file on the app — even if you’re still unsure of the full extent. File first, detail later.

❌ Aadhaar not linked to the bank account receiving the claim ✅ Visit your bank branch and request Aadhaar seeding before the season starts. The claim will bounce if this isn’t done — it’s one of the most common reasons farmers say “paisa nahi aaya” (money didn’t come) even when the claim shows “Settled” on the portal.

❌ Uploading a photo but not adding GPS tag when reporting on the app ✅ The app requires a geo-tagged image to validate the location. Turn on location services before opening the app and before taking the damage photo.

❌ Checking status on UC Browser or an old Android browser ✅ The CAPTCHA on pmfby.gov.in doesn’t render correctly on all browsers. Use Chrome (Android) or Safari (iPhone). If the CAPTCHA box is blank, that’s a browser issue, not a portal outage.

❌ Assuming the claim is auto-filed just because you had crop insurance ✅ For localized/individual farm damage, you must separately file an intimation within 72 hours. Area-wide calamity claims (based on government yield data) are automatic — but individual farm losses are not.

❌ Filing a grievance before checking the correct insurer’s name ✅ PMFBY has different insurers per district per season. If you escalate to the wrong insurer’s helpline, they can’t help you. First check who your insurer is on the portal (it shows in your policy details), then call their specific toll-free number.

Two Real Situations Worth Knowing About

Ramesh from Vidarbha, Maharashtra had his cotton crop damaged by unseasonal rain in October 2024. He called 14447 within 36 hours, got a ticket number, and uploaded field photos on the Crop Insurance app. When he checked status two weeks later, it showed “Survey Scheduled.” He waited. By December, the status changed to “Claim Approved.” The amount — ₹23,000 — hit his account by end of December. What helped him: he had his Aadhaar linked to his savings account at Bank of Maharashtra before enrollment. No friction, no extra trips.

Savita from Rae Bareli, UP enrolled through her local CSC for Rabi wheat in November 2024. When she checked status on the portal three weeks later, it showed “Application Submitted / Premium Pending” — which meant her premium hadn’t been confirmed yet. The CSC operator had filed the form but the bank hadn’t processed the deduction. She went to her bank branch, showed the acknowledgement slip, and the premium was deducted within two days. The lesson: acknowledgement slip se kaam nahi hota — premium ka confirmation banana zaroori hai. The portal status “Policy Issued” is the only confirmation that you’re actually covered.

What Nobody Tells You

Here’s the one that most guides miss completely: you can check whether a claim has been disbursed by the insurer to the government DBT system separately from whether it has reached your bank account. These are two different steps. The insurer releases the amount; then DBT processes it; then NPCI routes it to your bank.

If your status says “Claim Settled” but money hasn’t arrived in 10+ days, the problem may be at the NPCI or bank level — not the insurer level. In this case:

1. Check your bank’s passbook or app for any pending credit under “DBT / Government Transfer.”
2. If nothing, visit the bank and ask for your PMFBY claim credit status against your Aadhaar.
3. If the bank says payment never arrived from their end, raise a grievance on https://pmfby.gov.in under the “Krishi Rakshak” section, or call 14447 and quote your ticket number.

The grievance portal is underused. Most farmers assume a settled claim equals credited money — but the chain has one more step that sometimes breaks.

Frequently Asked Questions

How do I check PMFBY application status online?

Go to https://pmfby.gov.in, click “Application Status” on the homepage, select your season and year, enter your application number, fill the CAPTCHA, and click Search. Your current application stage will display immediately.

Can I check crop insurance status using my Aadhaar card? (fasal bima status Aadhar card se kaise check karein?)

Yes. Go to https://pmfby.gov.in → Farmer Corner → Farmer Login → enter your mobile number linked to PMFBY → OTP verify → check claim status in your dashboard. Aadhaar is used for identity verification during login.

How long does PMFBY claim settlement take?

After crop loss intimation, the insurer appoints a surveyor within 48 hours, completes assessment within 10 days, and must release payment within 15 days of assessment. Full DBT credit typically takes 30 days from intimation in most cases.

My PMFBY status shows “Claim Settled” but money hasn’t come. What do I do?

Check your bank passbook for any government/DBT credit. If absent after 10 working days, visit your bank with your Aadhaar and ask about the PMFBY credit status. Then raise a grievance on the portal at https://pmfby.gov.in under Krishi Rakshak, or call 14447.

What is the 72-hour rule in PMFBY? (crop insurance ka paisa kab aayega — pehle intimation zaroor karein)

For localized farm-level damage (hailstorm, inundation, post-harvest loss), you must report the loss within 72 hours of the event. Call 14447, use the Crop Insurance app, WhatsApp 7065514447, or visit your bank/CSC. Missing this window can result in individual claim rejection.

Can I check PMFBY status without an application number?

Yes, if you have your mobile number registered at enrollment or your Aadhaar. Log in via Farmer Corner on pmfby.gov.in using your mobile and OTP — your enrolled policies appear in the dashboard.

What should I do if the PMFBY portal shows “No record found”?

First verify you are using the correct season and year combination. If still not found, check the state-specific portal (e.g., mpfasal.nic.in for MP, Samrakshane for Karnataka). If still absent, contact the CSC or bank where you enrolled — there may be a data upload delay.

Chinnagounder Thiruvenkatam — Editor at Tips Clear. Our team researches government schemes hands-on, tests portal processes on both mobile and desktop, and updates guides when portal interfaces or official rules change. This content is educational and should not be treated as legal or financial advice. Always verify the latest process directly on https://pmfby.gov.in or contact the PMFBY helpline at 14447 before taking action on your claim.

Disclaimer: Portal screenshots, button labels, and process flows may change with government updates. Claim timelines are as per PMFBY operational guidelines and may vary by state, insurer, and season.