One app to guard against 8 perils

Comprehensive crop insurance designed for modern farmers. Protect your harvest with AI-powered risk assessment and instant claim processing.

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The Kshema app showing the perils-covered step and a farmer's policy dashboard

App Features

Everything you need to protect and manage your crops in one powerful application

Multilingual app
Connects with farmers in their preferred language from a list of 11 Indian languages.
Satellite-based imagery
Uses satellite-based imagery to validate farm details and verify claims for quick settlement.
Quick digital processes
Simplified verification process with quick and secure digital KYC and seamless online claims option.
Tailor-made products
Choose among our products Prakriti and Sukriti based on your needs or opt for PMFBY, if available in your state.
Comprehensive coverage
Covers 100+ crops catering to both seasonal and perennial needs.
Hassle-free & paperless
Streamlines the insurance process, making it easy and eco-friendly with paperless transactions.

Explore our crop insurance plans now

This is done through Kshema's proprietary platform Kshema – developed in-house and continuously upgraded – to sell its products – Sukriti, Prakriti and address pre-harvest risk at a farm level.

Shield enclosing two ears of wheat, the mark of Kshema's crop insurance plans

Protect your crops from 8 perils

Flood
Inundation
Named Cyclone
Storm

Scan now to install the Kshema app

QR code that opens the Kshema app download page

Protect your crop in easy steps.

We combine cutting-edge technology with deep agricultural expertise to provide farmers with reliable protection against natural disasters and crop failures.

Explore our crop insurance plans now