Premium starts at just INR 199
Ideal for farmers with small land parcel
100+ crops covered.
Coverage against 6 natural perils as defined under the policy
Kshema Samriddhi is the most-affordable crop insurance policy that caters to farmers with land holdings ranging from 1 to 25 cents. It offers comprehensive coverage against 6 natural perils.
Premium starts at 199 INR100+ crops covered.Exclusively available in Uttarakhand and Himachal Pradesh
Any farmer can buy our crop insurance policies according to their need.
Individual farmers who own agricultural land and cultivate crops on it.
Farmers who lease or rent agricultural land for cultivation purposes.
Farmers who cultivate land owned by others and share the crop yield as compensation.
Farmers with land holdings ranging from 1 to 25 cents.
Affordable crop insurance solution for small farms
Suitable for farmers with small land holdings seeking comprehensive crop protection
Coverage against 6 natural perils as defined under the policy
Pocket-friendly crop insurance for farmers with the premium starting at just INR 199
Claims are assessed using defined processes supported by satellite imagery and submitted evidence
Once you purchase any of Kshema’s crop insurance policy, your policy documents are shared digitally with all coverage details.
Protection against 6 key perils
Compare and select the best crop insurance policy based on your farming risks.
| Feature / Coverage | Prakriti | Sukriti | Samriddhi |
|---|---|---|---|
| Starts at | INR 1499 | INR 499 | INR 199 |
| Coverage | Comprehensive | Customizable | Affordable |
| No of Perils | 8 | 2 | 6 |
| Perils Covered | Flood, Inundation (Not applicable to Hydrophilic crops), Named Cyclone, Storm, Animal Attack (Elephant, Wild Boar), Earthquake including Tsunami, Fire due to lightning, Landslide | Combination of 1 major peril and 1 minor peril from the list of 8 perils | Flood, Inundation (Not applicable to Hydrophilic crops), Named Cyclone, Earthquake, Fire due to lightning, Landslide |
| Special Features | Covers 100+ seasonal crops, maximum coverage based on input cost of the crop | Provides more flexibility for farmers to select perils | Ideal for small land holdings (1 to 25 cents), covers 6 natural perils, exclusively available in Himachal Pradesh and Uttarakhand |
Timing is critical for crop insurance. Ensure you purchase your policy within the designated enrolment windows to stay protected.
Available only during state‑specific seasonal windows.
Must be applied within 15 days of sowing the insured crop.
Only within the enrolment window (allowed if sowing is delayed).
If the sowing date is more than 15 days earlier than the quote date, the policy becomes void.
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I want to thank Kshema. Their representatives are very helpful whenever we need their advice. We understood that the loss we suffer during the monsoon season could be reduced by Kshema Crop insurance. We bought it and we have benefited form it.
I bought crop insurance from Kshema and the process was quick and easy. Natural calamities frequently affect our fields, but now I feel secure knowing my crops are insured. I advise all my relatives and acquaintances to buy crop insurance from Kshema.
Cyclone Michaung completely damaged my crop. I had purchased Kshema Sukriti through the Kshema App. I recieved the claim amount within 48 hrs of intimation due to this, me & family are able to face the financial hurdles.
Need help with finding the best crop insurance solution ? Our representative will guide you through the plans and help you buy a policy.
