Restructured Weather Based Crop Insurance Scheme (RWBCIS)
Parametric weather-indexed crop insurance safeguarding horticultural and sensitive food crops against rainfall deficits, temperature spikes, frost, and high humidity.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
Integrated under National Crop Insurance Programme alongside PMFBY
Official Budget Document ↗Over 2.2 Crore farmer enrollments covered across 14 notified states
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Farmers cultivating notified commercial and horticultural crops in areas notified by state weather advisory committees.
Required Documents Checklist
Verify readiness before applying for Restructured Weather Based Crop Insurance Scheme (RWBCIS). Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(3)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for Restructured Weather Based Crop Insurance Scheme (RWBCIS)?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
🔒 Secure Razorpay Checkout • 100% Independent
Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Farmers apply through banking branches or online via pmfby.gov.in / CSC centres.
- 2
Upload land ownership record, crop sowing declaration, and bank details.
- 3
Automatic weather stations track hourly weather parameters against pre-defined payout triggers.
- 4
Payouts are computed automatically and disbursed via DBT within 45 days of season end.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Crop grown outside notified weather station grid, application after cut-off date, or discrepancies in land identification.
Official Government Application Portal
You will be redirected to the secure official portal: pmfby.gov.in
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Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
How does RWBCIS differ from standard PMFBY?
RWBCIS uses objective weather triggers (rainfall, temperature, humidity) measured at automatic weather stations rather than manual crop-cutting experiments to settle claims.
Source: Official Scheme FAQ ↗What is the maximum premium paid by a farmer for apple, mango, or orange orchards?
Farmers pay a maximum premium of 5% of the sum insured for commercial and horticultural crops; the rest is subsidized equally by Central and State Governments.
Source: Official Scheme FAQ ↗Is field-level damage inspection conducted under RWBCIS?
No, payouts are completely automatic once weather indices cross the pre-notified parametric threshold at the local reference weather station.
Source: Official Scheme FAQ ↗Can I track my Restructured Weather Based Crop Insurance Scheme (RWBCIS) application status?
Application status for Restructured Weather Based Crop Insurance Scheme (RWBCIS) can typically be tracked through the official portal at pmfby.gov.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline or visit your nearest Common Service Centre (CSC).
What should I do if my Restructured Weather Based Crop Insurance Scheme (RWBCIS) payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving Restructured Weather Based Crop Insurance Scheme (RWBCIS) benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Crop grown outside notified weather station grid, application after cut-off date, or discrepancies in land identification.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-19 | scheme_type | cs | Official Source ↗ |
| 2026-09-28 | initial_verification | Baseline verification of Restructured Weather Based Crop Insurance Scheme (RWBCIS) guidelines, benefits, and portal integration. | Official Source ↗ |
⚖Compare with Similar Schemes
Side-by-side eligibility, benefit, and effort comparison:
Application Window & Deadlines
Adheres to seasonal notification calendar per state government orders
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 7d ago from .gov.in source
Apply online with minimal documents
Related Welfare Programs
Direct income support of ₹6,000 per year in three equal installments to landholding farmer families across India provided through direct benefit transfer.
National flagship scheme for fisheries development providing 40% to 60% capital subsidies for aquaculture, marine fishing boats, cold storage, and fish farming infrastructure.
Comprehensive agricultural crop insurance covering yield loss from pre-sowing to post-harvest perils at ultra-low farmer premiums of 1.5% to 2%.
📅Scheme Milestone Timeline
Baseline verification of Restructured Weather Based Crop Insurance Scheme (RWBCI...
Official Source ↗Schemes You Can Stack With This
Complementary programs with non-conflicting eligibility that you can claim concurrently:
Official Helpline & Nodal Offices
Department of Agriculture & Farmers Welfare
Krishi Bhawan, Dr. Rajendra Prasad Road, New Delhi 110001
Helpline: 011-23381170
Jurisdiction: NationalNotice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-10-12 against official government documentation.
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