Money & banking › Farmer problem
Premium cut from my KCC but I don’t know if I am insured
What usually matters in this situation, and the papers to keep ready before you meet an advocate or free legal aid (call 15100).
Make my own list — free, 2 minutesYour situation
- What is the problem? Crop insurance claim not paid or too low
- Were you enrolled in crop insurance this season? The bank enrolled me
Where you stand
- Next step If the claim is refused or low, complain to the District Grievance Redressal Committee through the agriculture office.
Do these now
- Crop loss ticket number from 14447, the app or the bank
Without it the insurer may say you never reported. Where: SMS on your phone.
Papers to gather
- Land record (khatauni / 7-12 / patta) or lease agreement, and sowing proof
Needed for insurance, compensation and any complaint. Where: Land records portal; patwari; your lease. - Geo-tagged photos and video of the damaged or failed crop, with date
The surveyor, inspector and commission rely on them. Where: Your phone (location on). - Bank passbook or statement and Aadhaar
Claims and refunds are paid to this account. Where: Your bank. - Policy number or enrolment receipt, and premium deduction in the bank statement
Proves cover. Where: pmfby.gov.in; bank; CSC receipt.
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.
Saboot will also ask
- Did you report the loss within 72 hours?
Similar situations
- Hailstorm or flood damaged my crop — insurance not paid
- Crop insurance claim rejected for late reporting
- 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
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
The full guide: Farmer problem — crop insurance not paid, fake seeds or pesticide, crop loan, or mandi payment stuck · All situations