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PMFBY Crop Insurance in India (2026): Premium, Coverage & Claim Process
Crop Insurance

PMFBY Crop Insurance in India (2026): Premium, Coverage & Claim Process

PMFBY (Pradhan Mantri Fasal Bima Yojana) is India’s government-backed crop insurance scheme designed to protect farmers against crop loss due to natural risks such as drought, flood, and hailstorm.This guide explains PMFBY crop insurance for 2026, including premium rates, crops covered, eligibility, and the claim process. It also covers how farmers can check PMFBY status, last application dates, and where beneficiary or village-wise information is published (state-wise).Key Takeaways PMFBY is In

  • English
4 September 2025· 12 min readRead More
Safe Harvesting Techniques to Protect Crops from Damage
Crop Insurance

Safe Harvesting Techniques to Protect Crops from Damage

Harvest safety: quick checklistWeather window: harvest early if hail/frost alerts; postpone during active stormsEquipment: guards/shields fitted; brakes/ROPS checked; lights/reflectors & SMV signs on roadsWorkers: trained; PPE ready (high‑visibility clothing, gloves, eye & hearing protection)Handling: cut at correct maturity; avoid dropping/piling; use lined baskets or soft cratesPost‑harvest: clean threshing; prompt drying; aerated storage to minimise fungal growthHarvesting Techniques: Safe Me

  • English
26 August 2025· 8 min readRead More
Kharif Crop Yield: How to Estimate Profitability During the Ongoing Season
Crop Insurance

Kharif Crop Yield: How to Estimate Profitability During the Ongoing Season

Kharif crop Yield estimation helps farmers understand crop performance and income potential.The Kharif season, which begins with the arrival of the monsoon, offers farmers the chance to earn well — but it also brings risks. With smart planning, you can make this season profitable. The key is to estimate your Kharif crop yield and monitor costs to understand whether your chosen crop will deliver a good return as the season progresses. This can help you take timely steps to improve outcomes. Here’

  • English
19 August 2025· 7 min readRead More
Heavy Rains Affecting Kharif Crops: 7 Smart Ways to Protect Your Farm
Crop Insurance

Heavy Rains Affecting Kharif Crops: 7 Smart Ways to Protect Your Farm

How Heavy Rains Impact Kharif Crops and Ways Farmers Can Prevent LossHeavy rains affecting Kharif crops have become a significant challenge for farmers across India. While monsoon rains are essential for a successful harvest, excessive and prolonged rainfall can lead to waterlogging, pest outbreaks, fungal diseases, and substantial yield losses in key Kharif crops such as paddy, maize, soybean, cotton, and pulses.In the face of increasingly erratic weather patterns driven by climate change, it i

  • English
12 August 2025· 6 min readRead More
How to Master Paddy Cultivation in India (2026): Climate‑Smart Tips & Insurance Guide
Crop Insurance

How to Master Paddy Cultivation in India (2026): Climate‑Smart Tips & Insurance Guide

Paddy Cultivation in India: Process, Seasons, and Insurance TipsPaddy cultivation plays a pivotal role in India’s agriculture. It is the main crop of the Kharif season, which is essential to guarantee India’s food security. With nearly 50% of India’s population dependent on agriculture, mastering the best practices for paddy cultivation has never been more crucial. From choosing the right variety to climate adaptation strategies and securing crop insurance, this guide covers everything a farmer

  • English
5 August 2025· 7 min readRead More
Kharif Farming: Top 10 Things Farmers Must Do Before Sowing
Crop Insurance

Kharif Farming: Top 10 Things Farmers Must Do Before Sowing

10 Essential Steps to Prepare for a Successful Kharif Farming SeasonThe arrival of the monsoon signals the beginning of the Kharif season — the most important period in Indian agriculture. For millions of farmers, Kharif farming brings hope for a productive harvest, but also uncertainty from unpredictable weather and rising input costs.At Kshema, we believe that success in Kharif starts before the first seed is sown. With the right planning, preparation, and protection, farmers can reduce risk,

  • English
29 July 2025· 6 min readRead More
Rainwater Harvesting Methods for Kharif Farmers: Practical Guide
Crop Insurance

Rainwater Harvesting Methods for Kharif Farmers: Practical Guide

The Kharif season depends heavily on the southwest monsoon, but rainfall has become increasingly unpredictable for farmers in many Indian states. Even a short dry spell during germination or flowering can reduce crop yield. Rainwater harvesting offers farmers a simple, low‑cost way to store water, improve soil moisture and protect crops during uncertain weather. This guide explains practical rainwater harvesting methods suited to small and marginal farmers, along with expert tips and available g

  • English
22 July 2025· 6 min readRead More
The Rise of Drones in Agriculture: Transforming Kharif Farming in India
Crop Insurance

The Rise of Drones in Agriculture: Transforming Kharif Farming in India

Drones in Agriculture: Transforming Kharif Farming in IndiaIndia’s agricultural landscape is undergoing a quiet revolution — driven by the integration of advanced technologies in traditional farming practices. As we enter the Kharif season, which is critical for crops such as paddy, maize, cotton and soyabean, one such innovation is gaining significant ground: the use of drones in agriculture.From mapping farmlands to spraying pesticides, drones are helping farmers boost productivity, reduce inp

  • English
15 July 2025· 7 min readRead More
How to Prepare Your Farm Soil for Kharif Crops
Crop Insurance

How to Prepare Your Farm Soil for Kharif Crops

How to Prepare Soil for Kharif Crops: A 2026 Farmer’s GuideIntroductionProper soil preparation is the foundation of a successful Kharif season. Healthy soil ensures better crop growth, improved nutrient absorption, and higher yields. In this guide, we share essential steps for preparing soil for Kharif crops, including ploughing, leveling, organic matter addition, and moisture management. These practices help farmers achieve sustainable productivity and reduce risks during the monsoon season.The

  • English
8 July 2025· 11 min readRead More
Kharif and Rabi Crops: Key Differences Every Farmer Should Know (2026 Guide)
Crop Insurance

Kharif and Rabi Crops: Key Differences Every Farmer Should Know (2026 Guide)

Kharif and Rabi crops are two main crop seasons in India.Kharif crops are grown during the monsoon season (June–October), while Rabi crops are grown in the winter season (October–March). They differ in sowing time, harvesting period, water needs, and crop types.Kharif vs Rabi Crops at a Glance (2026)See how PMFBY crop insurance works for Kharif and Rabi seasons and when claims can be filed.Quick Summary (Farmer‑Friendly):Kharif vs Rabi CropsKharif crops grow during the monsoon season (June–Octob

  • English
2 July 2025· 10 min readRead More
How Kshema Built Its Multi-Agent GPT System-Part 2
Crop Insurance

How Kshema Built Its Multi-Agent GPT System-Part 2

KshemaGPT Part 2: How AI, Voice, and Multilingual Agents Empower Indian FarmersKshemaGPT is transforming crop insurance and agricultural support in India through a modular, AI-powered system. This blog explores how its agents — from user data to climate — work together to deliver personalized, voice-first, and region-specific assistance to farmers.User Data Agent: Personalizing the Farmer ExperienceThe User Data Agent plays a crucial role in personalising the KshemaGPT experience. It connects di

  • English
24 June 2025· 8 min readRead More
How Kshema Built Its Multi-Agent GPT System
Crop Insurance

How Kshema Built Its Multi-Agent GPT System

KshemaGPT: Your AI-Powered Farming Companion for India’s Agricultural FutureKshemaGPT is Kshema General Insurance's AI assistant built to make insurance simple, fast, and useful for farmers, individuals, and businesses. Designed with crop-insurance knowledge and practical policy guidance, KshemaGPT helps users understand PMFBY and other crop schemes, check policy features, explore parametric options, and get clear next steps — all in plain English. This introduction explains what KshemaGPT does,

  • English
17 June 2025· 18 min readRead More
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