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Restructured Weather Based Crop Insurance Scheme

Funded in the 2026-27 Union Budget: Union Expenditure Budget 2026-27 (Feb 2026, Demand No. 1 (Department of Agriculture and Farmers Welfare), item 3 Crop Insurance Scheme, 3.02 Pradhan Mantri Fasal Bima Yojna, BE 2026-27 ₹12200.00 crore (Net ₹12200.00 crore); Notes item 3)

RWBCIS · Ministry of Agriculture & Farmers Welfare · Central scheme, all states

Crop insurance that pays on weather readings — too little or too much rain, heat, cold, humidity or wind — instead of crop-cutting yields. The farmer pays the same small, capped premium as PMFBY; government pays the rest.

Crop & farmer insurance
Lead benefit
2%premium you pay at most, kharif food grains & oilseeds
Components
1each read from the document
Who can apply
6kinds of applicant
Closing date
Seasonalsee “When to apply”

What it pays

2%premium you pay at most, kharif food grains & oilseeds

You pay at most 2% of the sum insured for kharif food grains and oilseeds, 1.5% for rabi, and 5% for commercial and horticultural crops; government pays the rest of the premium.

Read from PMFBY & RWBCIS Operational Guidelines 2023 · clause 13.1, Table 1 · p. 47–48 · Our copy (PDF)
What the document says, word for word

These are ceilings: if the actuarial rate is lower, you pay that. Claims are worked out from weather data and the term sheet your state uploads for each area (cl. 2.10), not from crop-cutting experiments.

“13.1 The Actuarial Premium Rate (APR) would be charged under PMFBY& RWBCIS by the implementing Insurance Company. The rate of premium payable by the farmer will be as per the following Table 1: Kharif, All Food grain and Oilseeds crops (all Cereals, Millets, Pulses and Oilseeds crops): 2.0% of SI or Actuarial rate, whichever is less; Rabi, All Food grain and Oilseeds crops (all Cereals, Millets, Pulses and Oilseeds crops): 1.5% of SI or Actuarial rate, whichever is less; Kharif and Rabi, Annual Commercial/ Annual Horticultural crops: 5% of SI or Actuarial rate, whichever is less; Perennial horticultural / commercial crops (pilot basis): 5% of SI or Actuarial rate, whichever is less”

How much can I claim?

Enter sum insured to see the figure.

Read from PMFBY & RWBCIS Operational Guidelines 2023 · clause 13.1, Table 1 · p. 47–48 · Our copy (PDF)

These are ceilings: if the actuarial rate is lower, you pay that. Claims are worked out from weather data and the term sheet your state uploads for each area (cl. 2.10), not from crop-cutting experiments.

Who can apply

  • Other farmer
  • Small or marginal farmer
  • SC farmer
  • ST farmer
  • Woman farmer
  • Tenant or sharecropper

Papers you need

  • Aadhaar number (cl. 3.1)
  • Land record (Record of Rights, Land Possession Certificate) — or, for sharecroppers and tenants, the agreement or document your state notifies (cl. 3.1)
  • Declaration of the crop sown or to be sown (cl. 3.1)

How to apply

  1. Check that your crop and area are notified under RWBCIS by your state for the season — a state notifies each crop and area under either PMFBY or RWBCIS.
  2. If you have a KCC or crop loan, your bank covers you unless you opt out at least seven days before the cut-off date (cl. 3.1.1.1).
  3. Otherwise enrol before the cut-off date at your bank, a Common Service Centre, an insurance agent or on pmfby.gov.in, and pay your share of the premium (cl. 3.1.2, 13.1).
Apply on the official portal ↗

Applying is free. Never pay anyone to apply for you.

When to apply

Cut-off dates are set district by district from the crop calendar — normally not later than 15 July for kharif, 15 December for rabi and 15 February for summer crops (cl. 16.2).

Combining with other schemes

The documents do not say whether this can be combined with other schemes. Ask the implementing office before you count on both.

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