How soon must I report crop loss for PMFBY crop insurance?

For localised calamities (such as hailstorm, landslide, inundation, cloudburst) and post-harvest losses, the PMFBY guidelines ask the farmer to inform the insurance company, bank, agriculture office or the Crop Insurance app / helpline 14447 within 72 hours. Note the docket number and keep dated photos. Scheme rules can change by season — verify with your bank or agriculture office.

Why has my PM-KISAN instalment stopped?

Usually because e-KYC, land seeding or Aadhaar-bank linking is pending, or the name was marked ineligible. Check 'Know Your Status' on pmkisan.gov.in, fix the pending item (e-KYC by OTP / face / CSC, land seeding through the patwari, Aadhaar-bank linking at your bank) and use the portal grievance or helpline 155261 if it is still stuck.

Can a bank take my farm land under SARFAESI?

Section 31(i) of the SARFAESI Act, 2002 says the Act does not apply to security interest created in agricultural land, so a bank cannot use that Act's possession route for it. Banks can still use civil courts or State recovery laws, and recovery agents must follow RBI's rules (no threats, calls only 8 am to 7 pm).

Is anything I type sent or stored?

No. The application / letter is built in your browser. You copy it, print it or open WhatsApp / email and send it yourself. Adhiwakta does not see, store or send it.

Free · works in your browser · nothing is uploaded

Kisan Adhikar — crop insurance not paid, PM-KISAN stopped, land taken, mandi didn't pay? Farmers' rights (India)

Pick the problem — crop damaged or crop insurance not paid, PM-KISAN instalment stopped, land being acquired with low compensation, KCC / farm loan recovery harassment, trader or mandi didn't pay, fake seed / fertiliser / pesticide, or a neighbour pushing your field boundary or blocking the path — and see the first 3 steps, rights in short, proof to keep, what not to do, where to go, a ready application or letter you edit and send yourself, and a WhatsApp Status card for your village group. Runs in your browser. Educational facilitation only — not legal advice.

🚦 6 golden rules for farmers

Crop loss? Inform insurer / bank within 72 hours
Keep bills of seed, fertiliser and pesticide
Photo of damaged crop with date and location
Check khatauni / land record every year
Never sign a blank paper or blank cheque
Kisan Call Centre 1800-180-1551 (free)

What's the problem?

All situations at a glance

Scheme rules, State laws and portals differ and change — verify with the official office.

Crop damaged / crop insurance not paid

Report loss in 72 hours — note docket no.
Photos + policy + land record + survey
Insurer → district agriculture office → committee

🚫 Don't wait for the 'patwari to come' — report yourself within 72 hours

☎ 14447 · 1800-180-1551

PM-KISAN instalment stopped

pmkisan.gov.in — see what is pending
e-KYC / land seeding / Aadhaar-bank link
Portal grievance / 155261 / district nodal officer

🚫 Don't share OTP with callers who promise to 'restart' PM-KISAN — it is a common fraud

☎ 155261 · 1800-180-1551

Land being acquired / compensation too low

Get notices — check your land details
Written objections + attend hearing
Application to Collector for reference

🚫 Don't accept the cheque 'without protest' if you want to challenge the amount — write 'under protest'

☎ 15100 · 1800-180-1551

KCC / farm loan — recovery harassment

Written statement from the branch
Log calls → bank grievance → police
RBI Ombudsman / OTS / Lok Adalat

🚫 Don't sign blank papers or hand over blank cheques

☎ 14448 · 112 · 15100

Trader / mandi didn't pay for my crop

Sale bill + weighment + trader licence
Written complaint to mandi secretary
Cheque notice in 30 days / recovery / Lok Adalat

🚫 Don't sell without any bill or slip

☎ 1800-180-1551 · 15100

Fake / bad seed, fertiliser or pesticide

Bag + lot number + bill + sample
Agriculture officer — inspection report
Consumer complaint + inspector action

🚫 Don't buy without a bill — 'kachchi parchi' is weak proof

☎ 1800-180-1551 · 15100

Field boundary pushed / land grabbed / path blocked

Khatauni + khasra + village map
Tehsildar — demarcation report
Revenue order / civil suit / police

🚫 Don't shift the mend (boundary ridge) back by force — it can turn into a fight and a cross-case

☎ 112 · 15100 · 1800-180-1551

Forward to your village group

Most farmers lose crop-insurance claims only because nobody told them about the 72-hour rule. Forward this to your village or kisan WhatsApp group.

📤 Forward this tool on WhatsApp

https://www.adhiwakta.com/tools/kisan-adhikar

FAQs

What is Kisan Adhikar?: A bilingual tool for farmers and their families in India. Pick one of 7 problems (crop damaged / insurance not paid, PM-KISAN instalment stopped, land acquisition and low compensation, KCC / farm loan recovery harassment, trader or mandi didn't pay, fake seed / fertiliser / pesticide, field boundary or path dispute) to see the first 3 steps, rights in short, proof to keep, what not to do, where to go, a ready application / letter and a WhatsApp Status card. Educational facilitation only — not legal advice.
How soon must I report crop loss for PMFBY crop insurance?: For localised calamities (such as hailstorm, landslide, inundation, cloudburst) and post-harvest losses, the PMFBY guidelines ask the farmer to inform the insurance company, bank, agriculture office or the Crop Insurance app / helpline 14447 within 72 hours. Note the docket number and keep dated photos. Scheme rules can change by season — verify with your bank or agriculture office.
Why has my PM-KISAN instalment stopped?: Usually because e-KYC, land seeding or Aadhaar-bank linking is pending, or the name was marked ineligible. Check 'Know Your Status' on pmkisan.gov.in, fix the pending item (e-KYC by OTP / face / CSC, land seeding through the patwari, Aadhaar-bank linking at your bank) and use the portal grievance or helpline 155261 if it is still stuck.
Can a bank take my farm land under SARFAESI?: Section 31(i) of the SARFAESI Act, 2002 says the Act does not apply to security interest created in agricultural land, so a bank cannot use that Act's possession route for it. Banks can still use civil courts or State recovery laws, and recovery agents must follow RBI's rules (no threats, calls only 8 am to 7 pm).
Is anything I type sent or stored?: No. The application / letter is built in your browser. You copy it, print it or open WhatsApp / email and send it yourself. Adhiwakta does not see, store or send it.

🚦 6 golden rules for farmers

What's the problem?

All situations at a glance

FAQs

Share Adhiwakta with someone who needs it