PMFBY Crop-Insurance Claim Stuck? RTI to District Agriculture Officer

Part of Pillar 4 — RTI for Money, Schemes & Subsidies.

• Premium debited from loan / bank account but claim not credited after crop loss.
• CCE (Crop Cutting Experiment) data disputed — shortfall not recognised.
• Localised calamity claim (hailstorm, inundation) filed within 72 hours but no survey.
• Mid-season adversity declaration awaited from state.
• Insurance company silent or citing “pending yield data”.

• >60 days from season-end / CCE finalisation without settlement.
• Localised-calamity intimation filed, no surveyor visit in 7 days.
• Claim amount credited is less than expected — no calculation sheet.
• Policy number not traceable on pmfby.gov.in.

• Policy enrolment record — sum insured, premium paid, bank debit date.
• CCE yield data for the notified insurance unit (village / gram panchayat).
• Threshold yield notification for the season.
• Insurance company's claim-processing log.
• Surveyor's report for localised calamity, if filed.
• Claim calculation worksheet.
• State Nodal Agency's release order.
• Grievance officer / District Monitoring Committee minutes.

• District Agriculture Officer (DAO) / District Collectorate — primary custodian for CCE and notified-unit data.
• State Nodal Agency for PMFBY (Department of Agriculture, State) — premium subsidy and release orders.
• Department of Agriculture & Farmers Welfare, Government of India — for inter-state / policy issues, via rtionline.gov.in.
• Rs. 10 fee; BPL free.

To,
The Public Information Officer,
District Agriculture Office / State Nodal Agency, PMFBY,
[District / State]

Subject: Information under Section 6(1) of the RTI Act, 2005, regarding my PMFBY crop-insurance claim.

Sir/Madam,

I, [Name], resident of [Full Address, Village, Block, District], submit:

PMFBY Policy / Application Reference No.: ________
Season (Kharif / Rabi): ________, Year: ________
Notified Crop: ________
Insurance Unit (Village / GP): ________
Sum Insured: Rs. ________
Premium debit date and bank: ________
Nature of loss (mid-season / localised / post-harvest / yield shortfall): ________

Please provide:

1. Enrolment confirmation in the PMFBY database for the above season and crop.
2. CCE (Crop Cutting Experiment) yield data for my notified insurance unit.
3. Notified threshold yield and indemnity level for the season.
4. Name of the empanelled insurance company and its claim-processing log.
5. If I filed localised-calamity intimation within 72 hours, the surveyor's report and finding.
6. Claim calculation worksheet — threshold yield, actual yield, sum insured, payable amount.
7. State Nodal Agency's release order to the insurance company for the season.
8. If claim is rejected or reduced, the written grounds.
9. District Monitoring Committee minutes for the season.
10. Grievance officer / First Appellate Authority contact.

I enclose Indian Postal Order No. __________ for Rs. 10.
I declare I am an Indian citizen.

Yours faithfully,
[Signature, Date, Place]

1. Enrolment confirmation.
2. CCE yield data.
3. Threshold yield notification.
4. Insurance company processing log.
5. Surveyor report (localised calamity).
6. Claim calculation worksheet.
7. State release order.
8. Written grounds for rejection/reduction.
9. DMC minutes.
10. FAA contact.

• Day 0–10 RTI routed.
• Day 10–25 DAO pulls CCE + insurance-company file; many claims settle during this window.
• Day 30 Reply mandatory.
• Day 30+ First Appeal to Appellate Authority + grievance to State Nodal Agency.

• Filing at the insurance company — private insurers are not public authorities. File to the DAO / State Nodal Agency that holds the public file.
• Not quoting the insurance-unit (village / GP) — CCE is done at this granular level.
• Missing the 72-hour localised-calamity window.
• Asking “why is claim not paid” — ask for the CCE and calculation worksheet.

• Bank debit slip + enrolment receipt — the two anchors for any PMFBY RTI.
• For tenant farmers / sharecroppers, cite the land-document alternative route under operational guidelines.
• Parallel grievance at pmfby.gov.in grievance module strengthens the record.
• If insurance company defaults, the State can debar it — quoting that power in the RTI accelerates response.

Q1. Can I RTI the private insurance company directly?
No — the insurer is not a public authority. But the DAO / Nodal Agency holds the claim file; RTI to them forces the insurer to produce records.

Q2. What's the standard claim timeline?
Operational Guidelines prescribe settlement within 2 months of finalised yield data. Beyond that, interest at 12% p.a. is payable.

Q3. Is CCE data public?
Yes — it is a public-authority record under Section 4 of the RTI Act.

Q4. What if CCE was not conducted in my village?
Ask for the neighbouring unit's data and the DMC's reasoning; non-conduct itself is a grievance ground.

PMFBY claims stall in the gap between CCE finalisation and insurance-company release. RTI makes both halves visible — and once yield data + calculation worksheet are on paper, settlement follows.

• Pillar 4 — Money & Schemes
• PM-KISAN installment RTI
• MGNREGA wages RTI
• File RTI online

• PMFBY Operational Guidelines, 2020 (revised)
• RTI Act, 2005, Section 4
• State Nodal Agency SOPs

Last reviewed: 21 April 2026.