Money & banking
Farmer problem — crop insurance not paid, fake seeds or pesticide, crop loan, or mandi payment stuck
For crop insurance, report the loss within 72 hours on 14447 — late reporting is the most common reason claims are refused. Fake seeds and pesticide can be reported to the agriculture department and taken to a consumer commission.
Answer a few questions and get your list →What the law says
Under the Pradhan Mantri Fasal Bima Yojana, localised losses (hailstorm, flooding, landslide, cloudburst and others notified by the state) and damage to harvested crop lying in the field must be reported within 72 hours — on the Krishi Rakshak helpline 14447, the Crop Insurance app, pmfby.gov.in, the bank or the agriculture office; a surveyor should be appointed within about 48 hours. Widespread yield loss is assessed through crop-cutting experiments without individual reporting. Claim disputes go to the District Grievance Redressal Committee. Selling seeds that fail standards is an offence under the Seeds Act, 1966; pesticides are covered by the Insecticides Act, 1968 and fertilisers by the Fertiliser (Control) Order, 1985 — agriculture department inspectors can take samples and act. The Supreme Court has held that farmers who buy seeds are consumers, so a consumer commission can award compensation for crop loss. Bank complaints about crop loans and Kisan Credit Cards go to the bank and then the RBI Ombudsman.
General information, not legal advice.
Papers that usually help
- Land record (khatauni / 7-12 / patta) or lease agreement, and sowing proof
Needed for insurance, compensation and any complaint. - Geo-tagged photos and video of the damaged or failed crop, with date
The surveyor, inspector and commission rely on them. - Bank passbook or statement and Aadhaar
Claims and refunds are paid to this account. - Crop loss ticket number from 14447, the app or the bank
Without it the insurer may say you never reported. - Policy number or enrolment receipt, and premium deduction in the bank statement
Proves cover. - Bill, packet with lot / batch number, and some unused seed or product
The inspector can test the sample; the lot number links it to the company. - Written complaint to the agriculture development officer asking for inspection and sample testing
An official inspection report is strong proof of fake seeds. - Sale slip (J-form / bill), weighment slip, and the trader’s or agent’s name
Proves the payment due. - Loan or KCC sanction letter, statement and the bank’s letters
Needed for any complaint to the bank or Ombudsman.
Questions Saboot will ask you
- What is the problem?
- Did you report the loss within 72 hours?
- Do you have the bill for the seeds, pesticide or fertiliser?
- Were you enrolled in crop insurance this season?
Sources
- Pradhan Mantri Fasal Bima Yojana — operational guidelines (pmfby.gov.in)
- Seeds Act, 1966; Insecticides Act, 1968; Fertiliser (Control) Order, 1985
- Consumer Protection Act, 2019
Common situations
- Hailstorm or flood damaged my crop — insurance not paid
- Crop insurance claim rejected for late reporting
- Premium cut from my KCC but I don’t know if I am insured
- Drought destroyed the crop in our whole area
- Seeds did not germinate or the crop failed
- Pesticide or fertiliser was fake and damaged my crop
- Dealer is selling urea or DAP above the printed price
- Bank refuses my crop loan or Kisan Credit Card
- Bank is recovering a crop loan after crop failure
- Trader or commission agent did not pay for my crop
- My crop was not bought at MSP at the procurement centre
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