International Journal of Scientific Research and Engineering Development

Agriculture plays a crucial role in India's economy and supports the livelihood of millions of farmers. Crop insurance schemes such as the Pradhan Mantri Fasal Bima Yojana (PMFBY) are introduced to protect farmers from financial losses caused by natural disasters, pests, diseases, and climate variations. However, the traditional crop monitoring and loss assessment processes depend heavily on manual field inspections by agricultural officials, which often leads to delays, inconsistency, and lack of transparency in Insurance claim settlements. To address these challenges, this project proposes an AI-based real-time crop image analytics system under the CROPIC (Collection of Real-Time Observations & Photos of Crops) initiative. The system allows farmers and field officials to capture geo-tagged crop images using a mobile application. These images are uploaded to a cloud platform where artificial intelligence and deep learning models analyze crop health, identify crop types, determine crop growth stages, and detect damages such as pest attacks, flooding, or drought stress. A web-based dashboard provides authorities with real-time monitoring of crop conditions through mapbased visualization and automated alerts. The integration of AI, mobile technology, and cloud computing improves the efficiency, accuracy, and transparency of crop monitoring and insurance claim processing. This system ultimately aims to build farmer trust in crop insurance programs while supporting technologydriven agricultural monitoring.

Mr.M.Mohanasundharam, Rithika N, Varshini S, Varshini M, Vidhyaa A S,"AI Based Real-Time Crop Image Analytics for Crop Insurance (PMFBY)" International Journal of Scientific Research and Engineering Development, V9(2): Page(1766-1774) Mar-Apr 2026. ISSN: 2581-7175. www.ijsred.com. Published by Scientific and Academic Research Publishing.