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WB PMFBY Scheme Apply 2026: The Government of West Bengal has started the Kharif 2026 enrolment under the Pradhan Mantri Fasal Bima Yojana (PMFBY), allowing eligible farmers to protect their crops against natural calamities and crop losses.
Crop insurance is an integrated IT solution and web-based ecosystem designed to accelerate service delivery, consolidate disparate databases, ensure a holistic ‘single view’ of data, and eliminate manual processes. It provides insurance services to farmers more rapidly than before.
The scheme covers Kharif paddy (Aush and Aman), and farmers can submit their applications up to 31 August 2026. The official PMFBY portal also allows farmers to apply online, calculate premiums, track applications, and report crop losses.
What is the WB PMFBY Scheme?
The Pradhan Mantri Fasal Bima Yojana (PMFBY) is the Government of India’s flagship crop insurance programme designed to protect farmers against financial losses caused by natural disasters, adverse weather conditions, pests, and diseases. The scheme provides insurance coverage from sowing to post-harvest stages for notified crops.
Kharif 2026 Crops Covered in West Bengal
As per the notification:
- Paddy (Aush)
- Paddy (Aman)
These notified crops are eligible for insurance under the Kharif 2026 season.
Last Date to Apply for WB PMFBY Scheme
Farmers can submit their PMFBY application on or before 31 August 2026, as mentioned in the West Bengal notification.
Applicants are advised not to wait until the last date and should complete the enrolment within the prescribed period.
Also Read: WB PMAY-G Apply 2026 | Centre Pre-Approves 1 Lakh Houses for Rural Before Survey Completion
Insurance Unit
The notification specifies different insurance units:
- Paddy: Gram Panchayat level
- Kharif Bhutta (Maize): Block level
The insurance assessment will be carried out based on these notified units.
Crop Loss Threshold
The notification mentions the following threshold levels:
- Paddy: 80%
- Kharif Maize: 90%
These figures are used for claim assessment under the notified conditions.
Insurance Company
For the notified crops in the concerned area, the implementing insurance company is:
ICICI Lombard General Insurance Company Ltd.
Farmers should verify their notified district, crop, and insurance company before submitting the application.
WB PMFBY Scheme Apply: Where and How Can Farmers Apply?
Eligible farmers who have not yet enrolled can submit their applications through any of the following:
- Scheduled Banks
- PACS (Primary Agricultural Credit Societies)
- Common Service Centres (CSC)
- Official PMFBY online portal
The PMFBY portal also provides facilities to:
- Apply online (https://pmfby.gov.in/)
- Calculate insurance premium
- Check application status
- Report crop loss
- Register grievances through the Krishi Rakshak Portal and Helpline.
Benefits of PMFBY
The crop insurance scheme offers financial protection against several risks, including:
- Drought and prolonged dry spells
- Floods and inundation
- Cyclones and storms
- Hailstorms
- Landslides
- Natural fire and lightning
- Pest attacks and crop diseases
- Certain post-harvest losses and localized calamities are subject to scheme guidelines.
Important Advice for Farmers
Before applying, farmers should:
- Ensure the crop and land details are entered correctly.
- Keep Aadhaar, bank account details, and land records ready.
- Complete the application before the closing date.
- Preserve the acknowledgement or policy number for future claim tracking.
The Kharif season is crucial for farmers across West Bengal, and crop losses due to unpredictable weather can have a significant financial impact. Enrolling under the Pradhan Mantri Fasal Bima Yojana (PMFBY) provides an additional layer of protection and financial support if insured crops suffer eligible losses.
Farmers should carefully verify their eligibility, notified crops, and district-specific guidelines before submitting their application through the official PMFBY platform or authorised enrolment centres.
