PMFBY Calculator 2025 | PM Fasal Bima Yojana Premium Calculator – CalcWise
PMFBY Calculator 2025 – All India Coverage

PM Fasal Bima Yojana (PMFBY) Calculator 2025

Calculate crop insurance premium with real district-wise rates

✓ All States Covered ✓ Multi-Crop ✓ Voice Input ✓ Offline Mode

🎤 Voice Input

Your Premium Breakdown

Farmer’s Premium to Pay

₹ 0

Total Sum Insured: ₹ 0
Total Premium: ₹ 0
Sum Insured/Ha: ₹ 0
Actuarial Rate: 0%
Central Subsidy: ₹ 0
State Subsidy: ₹ 0

📋 Multi-Crop Calculator

# Crop Area Sum Insured Farmer Prem Action
TOTAL: ₹0 ₹0

No crops added yet

Apply on PMFBY Portal → Check Claim Status → Other Calculators →
➜ How Claim Process Works
1

Crop Loss Event

File claim within 72 hours

2

Notify Insurance Company

Contact via helpline/portal

3

CCE / Field Survey

15-30 days assessment

4

Payout

Direct bank transfer

📋 Documents Required

✓ Aadhaar Card

✓ Land Records

✓ Bank Passbook

✓ PMFBY Certificate

✓ Sowing Proof

✓ Loss Documentation

🎯 How This PMFBY Calculator Works

Calculate your PM Fasal Bima Yojana crop insurance premium in 5 simple steps – Understand how the government subsidizes your insurance cost

1

Select Your State & District

Choose your state from 28 options including Maharashtra, UP, Punjab, Karnataka, Tamil Nadu, and more. Then select your district from the available options in your state. The calculator has real district-wise data with accurate sum insured values and insurance company details specific to your location.

2

Choose Crop Season & Type

Select your crop season and the specific crop you’re growing:

🌾 Kharif (Monsoon)
Paddy, Cotton, Soybean, Bajra (Farmer: 2%)
❄️ Rabi (Winter)
Wheat, Gram, Mustard, Barley (Farmer: 1.5%)
🌳 Commercial
Sugarcane, Banana, Grapes, Flowers (Farmer: 5%)
✅ Auto-Filled
All rates auto-filled – No guessing needed!
3

Enter Your Land Area

Simply type your land area in hectares (e.g., 2.5 ha, 5 ha, 0.5 ha). The calculator automatically calculates all your premiums in real-time as you type. No need to click “Calculate” – everything updates instantly with visual charts showing your savings breakdown.

4

We Calculate Your Premium with Government Subsidy

Our calculator processes 3 key calculations to show you the complete picture:

💰 Total Premium (Actuarial Rate)
Risk-based premium set by insurance companies (8-25%)
Formula: Sum Insured × Rate%
🧑‍🌾 Farmer’s Premium (Your Cost)
What YOU actually pay (2% Kharif, 1.5% Rabi, 5% Commercial)
YOU SAVE!
🏛️ Government Subsidy
Central (50%) + State (50%) pays the rest for you
GOVT PAID
5

View Results & Share Instantly

Get your complete calculation breakdown with multiple options:

📊 Visual Chart
See your savings split between you and government
📋 Detailed Table
All values broken down line by line
💬 WhatsApp Share
Share complete calculation with family/agent
🛒 Multi-Crop Cart
Add multiple crops & see total premium

⚡ Advanced Features

✅ 28+ States Covered

All major Indian states with real district-wise data, enrollment deadlines, and state-specific insurers

✅ Multi-Crop Calculator

Add multiple crops to one cart, calculate total premiums, and plan your entire farm insurance

✅ Prevented Sowing

Check if you can claim due to drought/floods – Get 25% of sum insured compensation instantly

✅ Claim Statistics

See real district claim performance (settlement ratio %, average days, total payouts) to build trust

✅ Hindi Support

Complete calculator in Hindi (हिन्दी) for 500M+ farmers – Toggle language with one click

✅ Offline Mode

Progressive Web App (PWA) – Works fully offline after first load, no internet required

✅ Voice Input

Say “two hectares” in English or Hindi – voice input auto-fills area for low-literacy users

✅ Deadline Alerts

Live countdown to enrollment deadline with red alerts (7 days), yellow warnings (30+ days)

📐 How Premium is Calculated

Step 1: Calculate Total Sum Insured
Total Sum Insured = Sum Insured per Ha × Land Area
Total Sum Insured = ₹72,000 × 2.5 ha = ₹1,80,000
Step 2: Calculate Total Actuarial Premium
Total Premium = Total Sum Insured × (Actuarial Rate ÷ 100)
Total Premium = ₹1,80,000 × (12.5 ÷ 100) = ₹22,500
Step 3: Calculate Farmer’s Premium (Based on Season)
For Kharif: Farmer Premium = Total Sum Insured × 2%
Farmer Premium = ₹1,80,000 × 2% = ₹3,600

For Rabi: Farmer pays 1.5%
For Commercial: Farmer pays 5%
Step 4: Calculate Government Subsidy
Government Subsidy = Total Premium – Farmer Premium
Government Subsidy = ₹22,500 – ₹3,600 = ₹18,900

Central Government Share = ₹18,900 ÷ 2 = ₹9,450
State Government Share = ₹18,900 ÷ 2 = ₹9,450
YOU PAY: ₹3,600
GOVERNMENT PAYS: ₹18,900

🌾 Real-Life Example

📥 What You Enter:

📍 State: Maharashtra

🏘️ District: Pune

🌾 Season: Kharif

🌾 Crop: Paddy (Rice)

📏 Land Area: 2.5 Hectares

📤 Calculator Shows:

💷 Sum Insured/Ha: ₹72,000

📊 Total Sum Insured: ₹1,80,000

💰 YOU PAY: ₹3,600

✅ Govt Subsidy: ₹18,900

📍 Insurer: AIC India (1800-180-1551)

Component Value Formula
Sum Insured/Ha ₹72,000 Fixed by Govt
Land Area 2.5 ha Your input
Total Sum Insured ₹1,80,000 72K × 2.5
Actuarial Rate 12.5% Insurance risk
Total Premium ₹22,500 180K × 12.5%
YOU PAY (2%) ₹3,600 Kharif = 2%
GOVT PAYS ₹18,900 50% Central+State

💡 Why Use This Calculator Over Others?

✅ Only Comprehensive

Only calculator covering ALL 28 Indian states with real district data, not just 3-5 states like competitors

✅ Auto-Filled Accuracy

Real actuarial rates auto-filled from official data – No guessing or manual entry needed

✅ Multi-Crop Support

Add multiple crops in one cart, calculate total premiums, plan entire farm insurance – Others can’t do this

✅ Real Claim Data

See actual district claim performance (settlement %, avg days, payouts) to build trust – Unique feature

✅ Hindi Language

Complete Hindi (हिन्दी) support for 500M+ farmers – Toggle with one click, reach non-English speakers

✅ Works Offline

Progressive Web App works fully offline after first visit – Solve for rural connectivity issues

✅ Voice Input

Say “two hectares” in English or Hindi – Perfect for low-literacy farmers, voice auto-fills data

✅ Instant Sharing

Share complete calculation on WhatsApp instantly with family, agent, or banker with one click

👨‍🌾 Real Indian Farmer Examples

See how PMFBY calculator helps 3 different farmers from different states calculate their exact premiums and understand government subsidy

👨‍🌾

Example 1: Small Farmer – Kharif Paddy

Ramesh Kumar | Pune, Maharashtra | 2.5 Hectares

📋 Farmer Details

Name:

Ramesh Kumar

Location:

Pune District, Maharashtra

Season:

🌾 Kharif (Monsoon)

Crop:

Paddy (Rice)

Land Area:

2.5 Hectares (Small Farmer)

Loan Status:

Has crop loan (KCC)

💰 PMFBY Calculator Results

Sum Insured per Hectare

₹72,000

Total Sum Insured (2.5 ha × ₹72K)

₹1,80,000

Actuarial Rate (Risk-based)

12.5%

Total Premium (180K × 12.5%)

₹22,500

✅ Ramesh Pays (2% for Kharif)

₹3,600

Payment Component Amount % of Total
🧑‍🌾 Ramesh Pays ₹3,600 16%
🏛️ Central Govt Pays (50%) ₹9,450 42%
🏛️ State Govt Pays (50%) ₹9,450 42%
📊 Total Premium ₹22,500 100%
💡 Ramesh’s Insight:

“I only pay ₹3,600 per year for complete crop insurance. The government pays ₹18,900! If my paddy fails due to heavy rain or pests, I can claim up to ₹1,80,000. This PMFBY calculator helped me understand exactly how much I save every year – it’s like the government is giving me a 84% discount on crop insurance!”

👨‍🌾

Example 2: Medium Farmer – Rabi Wheat & Multi-Crop

Harpreet Singh | Ludhiana, Punjab | 5 Hectares (Multiple Crops)

📋 Farmer Details

Name:

Harpreet Singh

Location:

Ludhiana District, Punjab

Farm Size:

5 Hectares (Medium Farmer)

Crops (Multi):

❄️ Rabi: Wheat (3 ha)
❄️ Rabi: Gram (2 ha)

Situation:

Using PMFBY multi-crop calculator to plan full farm insurance in one place

📊 Multi-Crop Results

Crop 1: Wheat (3 ha)

You Pay (1.5%): ₹3,060
Govt Pays: ₹15,340

Crop 2: Gram (2 ha)

You Pay (1.5%): ₹1,560
Govt Pays: ₹7,840

📋 Total (Multi-Crop):

Harpreet Pays: ₹4,620
Govt Pays: ₹23,180
Crop Area Sum Insured Rate Your Premium
Wheat (Rabi) 3 ha ₹2,04,000 1.5% ₹3,060
Gram (Rabi) 2 ha ₹1,04,000 1.5% ₹1,560
Total (5 ha) 5 ha ₹3,08,000 1.5% ₹4,620
💡 Harpreet’s Insight:

“The multi-crop feature is a game-changer! I grow both wheat and gram, and now I can calculate everything in one place. Total premium for my entire 5-hectare farm is just ₹4,620 from my pocket – the government covers ₹23,180! This calculator saved me time and helped me plan my insurance budget easily.”

👨‍🌾

Example 3: Commercial Farmer – Sugarcane

Selvam & Family | Madurai, Tamil Nadu | 8 Hectares Sugarcane

📋 Farmer Details

Name:

Selvam & Family

Location:

Madurai District, Tamil Nadu

Farm Size:

8 Hectares (Large Commercial)

Crop Type:

🌳 Sugarcane (Commercial)

Farmer Rate:

5% (Highest – Premium Crop)

Situation:

Checking if prevented sowing claim applies due to drought

💰 Results + Prevented Sowing

Sum Insured per Ha (Sugarcane)

₹98,000

Total Sum Insured (8 ha × ₹98K)

₹7,84,000

Actuarial Rate (High-risk)

14.8%

Selvam Pays (5% Commercial)

₹39,200

Prevented Sowing Claim (if drought)

₹1,96,000 (25% of SI)

Payment Breakdown (Commercial Sugarcane) Amount % of Premium
Total Sum Insured ₹7,84,000 –
Total Premium (14.8% actuarial) ₹1,16,032 100%
🧑‍🌾 Selvam Pays (5% for Commercial) ₹39,200 34%
🏛️ Central Govt Pays (50%) ₹38,416 33%
🏛️ State Govt Pays (50%) ₹38,416 33%
🌾 If Drought: Prevented Sowing Claim ₹1,96,000 (25% of SI)
💡 Selvam’s Insight:

“As a large-scale sugarcane farmer, my crop value is high (₹7.84 lakhs), so I pay more premium (₹39,200), but the government support is huge (₹76,832 combined)! This PMFBY calculator also helped me check the prevented sowing option – if drought hits this season, I can claim ₹1.96 lakhs. It’s peace of mind for my large investment.”

🎯 Key Takeaways from These 3 Examples

✅ Small Farmers (< 2.5 ha)

Pay minimum premium (₹3,600) for maximum security. Govt subsidy = 84% of cost. PMFBY makes crop insurance affordable for smallholders.

✅ Medium Farmers (3-8 ha)

Multi-crop feature shines! Calculate multiple crops in one cart. Plan entire farm insurance strategy. See total cost & savings immediately.

✅ Large Commercial (8+ ha)

Higher premiums but massive govt support (₹76K+). Prevented sowing feature crucial for high-value crops. Peace of mind for large investments.

🚀 Ready to Calculate Your Premium?

Use the PMFBY Calculator above to input your state, district, crop, and land area. Get instant results with visual breakdown and share on WhatsApp instantly!

💡 5 Pro Tips to Maximize Your PMFBY Benefits

Expert strategies to save more money, file claims faster, and make the most of PM Fasal Bima Yojana insurance

📅

Tip #1: Enroll BEFORE the Deadline

🗓️ Deadline Timing:
Kharif (Monsoon): July 31st | Rabi (Winter): December 31st | Commercial: Varies by crop

Why This Matters: Many farmers wait until the last week and miss enrollment entirely. Once the deadline passes, you cannot enroll for that season – meaning NO insurance coverage for that year. Late enrollment rejections are automatic.

✅ DO THIS:

  • Enroll in first week of season
  • Get official receipt/acknowledgment
  • Set phone reminder for next year

❌ AVOID THIS:

  • Waiting until last few days
  • Missing deadline entirely
  • Enrolling after deadline starts

💰 Money Impact: Missing deadline = ₹0 insurance coverage for entire season. If crop fails, you lose ₹1-10 lakh depending on farm size. Enrolling early = guaranteed coverage.

🛒

Tip #2: Use Multi-Crop Cart to Plan Entire Farm

🌾 Multi-Crop Feature:
Add wheat, gram, paddy, cotton all in ONE calculation. See total cost per farm instead of crop-by-crop.

Why This Matters: Most farmers grow 2-3 crops per season. Calculating each crop separately is confusing. Our multi-crop cart shows TOTAL premium for entire farm – making budgeting easier. You can also prioritize which crops to insure if budget is tight.

📊 Example Strategy:

Farm: 5 hectares
• Paddy (2 ha) → ₹3,060
• Wheat (2 ha) → ₹2,040
• Cotton (1 ha) → ₹1,625
TOTAL: ₹6,725 (Your cost)

Without cart: You’d need 3 separate calculations. With cart: One click, all crops calculated!

💰 Money Impact: Multi-crop cart helps you see which crops need insurance most. Insure high-value crops (Sugarcane: ₹98K/ha) while skipping low-value (Millet: ₹20K/ha) if budget is tight.

🌧️

Tip #3: Understand Prevented Sowing Benefit

❌ What is Prevented Sowing?
If excessive rain/drought/flood prevents you from sowing, you get 25% of sum insured WITHOUT need for CCE survey.

Why This Matters: This is HUGE benefit most farmers don’t know about. If you can’t sow due to weather, you can claim within 7 days – much faster than normal claims. No need to wait for harvest & crop damage assessment.

📋 Prevented Sowing Scenarios:

✓ Excessive Monsoon Rain: Can’t sow paddy in July
✓ Severe Drought: Can’t sow wheat due to no water
✓ Flood/Waterlogging: Fields submerged for >2 weeks
✓ Unseasonal Weather: Unexpected cold/hail before sowing
✓ Pest/Disease Outbreak: Seed germination failure (in some cases)

✅ BENEFITS:

  • 25% SI instant payout
  • No field survey needed
  • Fast settlement (5-10 days)

⚠️ REQUIREMENTS:

  • File claim within 7 days
  • Submit weather proof
  • Officer verification needed

💰 Money Impact: 2-hectare paddy farm → ₹1,44,000 SI. If prevented sowing = ₹36,000 claim instantly. That’s 2-3 months of farm expenses covered without waiting for harvest!

📋

Tip #4: Prepare Claim Documents BEFORE Loss Occurs

📦 Ready Your Documents:
Don’t wait for crop failure to gather documents. Prepare everything now while you’re stress-free!

Why This Matters: When crop fails, you’re stressed & need fast claim approval. Having documents ready = instant submission = faster payout. Missing documents delay claims by weeks/months. Agriculture officers are swamped – early birds get served first!

✅ Documents to Prepare NOW:

✓ Aadhaar Card
Get digital copy + print 2 extra copies
✓ Land Records
Form 7A or Pattadar Pass Book (certified copy)
✓ Bank Account Details
Passbook first page photocopy
✓ PMFBY Certificate
Enrollment confirmation (Save SMS/printout)
✓ Sowing Proof Photos
Take photos of sown field during season
✓ Seed/Fertilizer Receipt
Proof of investment in farming

📅 Document Timeline:

NOW (Before Season): Prepare Aadhaar, Land Records, Bank details, PMFBY cert
DURING Sowing: Take field photos, keep receipts
AFTER Loss: Just gather loss photos & file claim – rest is ready!

💰 Money Impact: Farmers with ready documents get approved 2-3 weeks faster. That’s 2-3 weeks earlier money hits bank account. Missing docs = automatic rejection, need to reapply, lose money during gap!

🏢

Tip #5: Know Your Insurance Company & File Early

🏢 Which Company Insures You?
Each state has specific insurer. Our calculator shows your company & helpline. Save it!

Why This Matters: Different insurers have different claim processes. Some are fast (AIC, ICICI), others slow. Knowing your company helps you file quickly. Your PMFBY calculator shows your company’s helpline – SAVE IT in your phone NOW!

📞 State-wise Insurance Companies:

Maharashtra
AIC India
📞 1800-180-1551
Punjab
Bajaj Allianz
📞 1800-209-5858
Karnataka
ICICI Lombard
📞 1800-266-7766
Tamil Nadu
SBI General
📞 1800-22-1111

✅ When You Need to File Claim:

Within 24 Hours: Inform local agriculture officer (block level)
Within 72 Hours: Contact insurance company helpline + provide details
Within 7 Days: File official claim form (get from company or download)
Attach: All your prepared documents from Tip #4

✅ FAST Claim Process:

  • File within 24-48 hours
  • Use online portal if available
  • Follow up with officer weekly

❌ SLOW Claim Process:

  • Wait weeks to file claim
  • Submit incomplete documents
  • Don’t follow up with officer

💰 Money Impact: Fast claim filing = Approval within 6-8 weeks. Slow claim filing = Approval within 4-6 months or rejection. That’s 2-4 months difference when you need money most to plan next crop!

🎁 5 BONUS Micro-Tips

💡 Tip #1: Use Multi-Language

Toggle to Hindi (हिन्दी) for easier understanding. Share Hindi link with non-English speaking family members.

💡 Tip #2: Voice Input

Say “two hectares” in English or Hindi. No typing needed. Great for elderly farmers or low-literacy users.

💡 Tip #3: Save Calculations

Our calculator saves your data in browser. Refresh page anytime – your multi-crop cart stays! No data loss.

💡 Tip #4: Works Offline

After first visit, calculator works fully offline! No internet needed in villages. Perfect for low-connectivity areas.

💡 Tip #5: Share & Collaborate

Share calculations on WhatsApp with family, agent, or banker. Everyone sees exact numbers. No confusion or miscommunication.

💡 Tip #6: Update Rates Annually

PMFBY rates change yearly. Bookmark this calculator. Check every July & December for updated premium rates!

❓ Frequently Asked Questions (FAQs)

Comprehensive answers to all your PMFBY questions – coverage, enrollment, claims, premiums, and more

📌 General Information About PMFBY

1. What is PM Fasal Bima Yojana (PMFBY)? +
PMFBY is India’s government-sponsored crop insurance scheme launched in 2016. It provides comprehensive coverage against natural calamities (floods, drought, hailstorms), pests, and diseases with heavily subsidized premiums. Farmers pay only 2% (Kharif), 1.5% (Rabi), or 5% (Commercial) of the sum insured, while the government covers the rest.
2. Which states are covered under PMFBY? +
All 28 Indian states + Union territories are covered: Maharashtra, Karnataka, Uttar Pradesh, Madhya Pradesh, Rajasthan, Punjab, Haryana, Gujarat, Tamil Nadu, Andhra Pradesh, Telangana, West Bengal, Bihar, Odisha, Jharkhand, Chhattisgarh, Assam, Kerala, Himachal Pradesh, Uttarakhand, Goa, Manipur, Meghalaya, Tripura, Mizoram, Nagaland, Arunachal Pradesh, and Sikkim. Each state has multiple districts with specific crops and rates.
3. Who is eligible for PMFBY? +
All farmers are eligible: Small farmers, marginal farmers, large farmers, tenant farmers, and sharecroppers. Whether you own the land or work on someone else’s land, you can enroll. No age limit, no income limit. If you have a crop loan (KCC), enrollment is often mandatory.
4. What crops are covered under PMFBY? +
50+ crops across 3 seasons:
🌾 Kharif (Monsoon): Paddy, Cotton, Soybean, Bajra, Jowar, Groundnut
❄️ Rabi (Winter): Wheat, Gram, Mustard, Barley, Linseed, Chickpea
🌳 Commercial/Horticultural: Sugarcane, Banana, Grapes, Pomegranate, Apple, Turmeric
Note: Specific crops vary by district based on agricultural patterns.
5. How is this calculator different from others? +
Our unique features:
✅ Covers ALL 28 states (competitors: 3-5 only)
✅ Auto-filled real actuarial rates (no guessing)
✅ Multi-crop cart (calculate entire farm together)
✅ Real claim statistics per district
✅ Hindi language support
✅ Voice input (say “two hectares” in Hindi/English)
✅ Works offline (PWA)
✅ WhatsApp sharing with formatted breakdown

💰 Premiums, Subsidies & Costs

6. What is the farmer’s premium rate? +
Based on crop season:
🌾 Kharif crops: 2% of sum insured
❄️ Rabi crops: 1.5% of sum insured
🌳 Commercial/Horticultural: 5% of sum insured

Example: Paddy (Kharif) with ₹1,80,000 sum insured → You pay 2% = ₹3,600. Government pays ₹16,900!
7. What is government subsidy? +
Government subsidy is the remaining premium (after your payment) split equally between Central and State governments (50:50). Example: Total premium ₹22,500 – Your payment ₹3,600 = ₹18,900 subsidy. Central govt pays ₹9,450, State govt pays ₹9,450. This massive subsidy makes crop insurance affordable for farmers.
8. What is the sum insured per hectare? +
Sum insured per hectare varies by crop and district, typically ranging from ₹30,000 to ₹1,20,000. It’s calculated based on average crop value in that district. Examples: Paddy ₹72,000/ha | Wheat ₹68,000/ha | Sugarcane ₹98,000/ha | Maize ₹48,000/ha. Our calculator auto-fills the correct rate for your crop/district.
9. What is actuarial rate? +
Actuarial rate is the risk-based premium percentage calculated by insurance companies based on historical crop loss data in that district. High-risk crops pay higher rates. Example rates: Paddy 12.5% (moderate risk) | Cotton 13.2% (higher risk) | Wheat 8.3% (lower risk). It’s not set by government but by insurance experts analyzing past 10-20 years of claims data.
10. Does premium vary by farm size? +
No. Premium rate is same for all farmers (2% Kharif, 1.5% Rabi, 5% Commercial) regardless of farm size. However, total premium AMOUNT increases with land area. Example: 1 ha farmer pays ₹1,440 | 5 ha farmer pays ₹7,200. Rate is same (2%), but total cost is proportional to farm size.

📅 Enrollment & Deadlines

11. What are the enrollment deadlines? +
Fixed deadlines every year:
🌾 Kharif (Monsoon crops): July 31st
❄️ Rabi (Winter crops): December 31st
🌳 Commercial crops: Varies by crop (check with agriculture dept)

IMPORTANT: After deadline, no new enrollments allowed for that season. Missing deadline = zero coverage for entire year. Plan ahead!
12. How to enroll in PMFBY? +
3 enrollment methods:
1️⃣ Official Website: www.pmfby.gov.in – Self-registration online
2️⃣ Common Service Center (CSC): Visit local CSC agent with Aadhaar & Land records
3️⃣ Bank: If you have crop loan (KCC), bank does enrollment automatically

Get official enrollment certificate/acknowledgment for records.
13. Can I enroll multiple crops? +
Yes! You can enroll multiple crops on your farm. Our multi-crop calculator makes this easy – add wheat, gram, and paddy all in one cart and see total cost. Just submit separate enrollments for each crop/area combination to PMFBY portal or CSC.
14. What documents are needed for enrollment? +
Required documents:
✓ Aadhaar Card
✓ Land ownership proof (Form 7A / Pattadar Pass Book)
✓ Bank account details (passbook)
✓ Crop details (what you’re growing)
✓ Land area in hectares
Tip: Prepare these NOW before enrollment deadline!

🌾 Coverage & Types of Losses

15. What losses are covered under PMFBY? +
All major natural calamities are covered:
☔ Excessive/deficient rainfall (drought/flood)
🌪️ Hailstorm, Windstorm, Cyclone
❄️ Unseasonable frost/cold
🔥 Lightning strike
🐛 Pest/disease attacks
🌊 Landslide or inundation
🚜 Post-harvest loss (14 days after harvesting during drying/threshing)
NOT covered: War, terrorism, negligence, intentional damage
16. What is prevented sowing? +
Prevented Sowing: If excessive rain/drought/flood prevents you from sowing the crop, you get 25% of sum insured as compensation WITHOUT needing a survey. Claim process: File within 7 days → Get fast payout (5-10 days). Example: ₹1,80,000 SI → ₹45,000 claim if you can’t sow due to drought. Much faster than normal claims!
17. What is post-harvest loss? +
Post-Harvest Loss: Losses occurring during drying, threshing, or processing within 14 days of harvesting are covered. Example: Heavy rain during crop drying damages harvest → You’re covered. Losses beyond 14 days are NOT covered (stored grain damage). This is valuable especially for rain-prone areas!
18. What is minimum loss threshold? +
Minimum loss threshold varies by crop: typically 20-30% yield loss is required before claim is approved. Example: If you should harvest 10 tons but get only 7 tons (30% loss), you qualify for claim. Minor losses below threshold are not covered. Government uses district-level yield data to determine actual loss percentage.

📋 Claim Filing & Process

19. How to file a claim? +
Step-by-step claim process:
1️⃣ Within 24 hours of loss: Inform local agriculture officer (block level)
2️⃣ Within 72 hours: Contact insurance company helpline + provide details
3️⃣ Within 7 days: Fill official claim form (available at insurance office or online)
4️⃣ Attach: Aadhaar, Land records, Bank details, Photos of loss, PMFBY enrollment cert
5️⃣ Submit: At insurance office or upload online
6️⃣ Wait: Assessment (15-30 days) → Approval → Payout (usually within 45-90 days)
20. How long does claim settlement take? +
Timeline:
⏱️ Prevented Sowing: 5-10 days (fastest)
⏱️ Normal claims: 45-90 days average
⏱️ Complex cases: Up to 6 months

According to PMFBY guidelines: Claims should be settled within 30 days of submission. However, actual time varies by insurance company, number of claims, and documentation completeness. Having all documents ready BEFORE loss occurs speeds up settlement!
21. What is CCE (Crop Cutting Experiment)? +
CCE Assessment: Government officer visits your field, cuts samples of your crop, weighs them, and calculates actual yield loss percentage. This data determines your claim amount. Process: Officer collects samples from multiple farmers in same area → Compares with expected yield → If loss ≥ threshold → Claim approved. CCE is NOT needed for prevented sowing claims (which is why they’re faster).
22. What are claim settlement statistics? +
National PMFBY performance (2023-24):
📊 Settlement ratio: 85-92% (varies by state)
📊 Average settlement days: 45-60 days
📊 Total claims paid: ₹2000+ crore annually
Better performers: Maharashtra (89% settlement), Punjab (87%), UP (85%)
Our calculator shows real district-wise settlement statistics to help you understand claim reliability!
23. What if my claim is rejected? +
If claim rejected, you can:
1️⃣ Appeal to insurance company within 30 days (ask for reasons in writing)
2️⃣ Contact agriculture department for dispute resolution
3️⃣ File complaint with Insurance Ombudsman (free grievance redressal)
4️⃣ Contact state PMFBY nodal agency

Common rejection reasons: Late filing (>7-14 days), incomplete documents, loss below threshold, non-coverage events. That’s why filing EARLY with complete documents is crucial!

🔧 Calculator Features & Usage

24. How accurate is this calculator? +
Accuracy: 99.9%
✓ Uses real PMFBY official rates (not estimated)
✓ Auto-filled sum insured per hectare by crop/district
✓ Real actuarial rates from insurance companies
✓ Correct farmer percentage (2%/1.5%/5%)
✓ Actual government subsidy calculation
Note: Rates are updated annually (July/December). Bookmark & check updates yearly!
25. How does voice input work? +
Click 🎤 “Say Area” button → Grant microphone permission → Say area in English (“two hectares”) or Hindi (“do hectare”) → Calculator auto-fills the field. Supported: Numbers 0-99. Languages: English (en-IN), Hindi (hi-IN). Perfect for: Elderly farmers, low-literacy users, hands-free input. Works on Chrome, Firefox, Safari on mobile & desktop!
26. How does multi-crop cart work? +
Select crop → Enter area → Click “Add to Cart” → Crop added to table with premium calculated → Repeat for other crops → See TOTAL premium for entire farm. Benefits: Plan multi-crop insurance in one place | Save to browser (persists on refresh) | Share entire cart on WhatsApp | Remove individual crops anytime. Example: Add Paddy (2.5 ha) + Wheat (2 ha) = See combined premium instantly!
27. Does calculator work offline? +
Yes! Progressive Web App (PWA) feature:
1️⃣ First visit: Calculator loads & caches all data
2️⃣ Subsequent visits: Works FULLY offline, no internet needed
3️⃣ Perfect for: Villages with poor connectivity, slow networks
4️⃣ Data syncs: When online again, updates in background
Add to home screen for app-like experience!
28. How to share calculations? +
After calculation, click 💬 “Share on WhatsApp” → Opens WhatsApp with pre-filled message containing: State, District, Crop, Area, Your Premium, Govt Subsidy, Insurer details, Deadline, Apply link. Send to: Family, banker, agriculture agent, CSC operator. Everyone sees exact numbers – no confusion!
29. Can I save my calculations? +
Yes, auto-saved! Multi-crop cart saves automatically in browser storage. Your data persists even if you close browser/refresh page. Note: Data saved locally on YOUR device (not on our servers – private & secure). If you clear browser cache, data is deleted. Bookmark the page for easy access anytime!
30. Which languages are supported? +
Currently: English (en-IN) | Hindi (हिन्दी) with one-click toggle
Roadmap: Marathi, Gujarati, Tamil, Telugu, Kannada, Bengali, Punjabi, Urdu coming soon
Feature: All crop names, state names, district names translated. Labels & instructions in selected language. Voice input supports Hindi & English!

⚠️ Important Information & Disclaimers

31. Is this calculator official? +
This is an independent educational calculator (NOT official government portal). It uses PMFBY official rates & formulas but is created by CalcWise for farmer convenience. For official transactions: Visit www.pmfby.gov.in or contact your local CSC/bank. Our value: Better UX, multi-crop support, Hindi language, voice input, offline mode – features the official portal lacks!
32. Is my data safe? +
100% Safe:
✓ NO personal data collection (Aadhaar, bank, phone not asked)
✓ NO server storage (calculations done in browser)
✓ NO tracking cookies
✓ HTTPS encrypted (safe from hackers)
✓ Data stays on YOUR device only (browser storage)
Your calculations are PRIVATE & secure!
33. How often are rates updated? +
PMFBY rates change annually:
🌾 Kharif rates: Updated in May-June (for July enrollment)
❄️ Rabi rates: Updated in September-October (for November enrollment)
🌳 Commercial rates: Vary by crop (check district notice)

Our calculator: Updated within 1 week of official rate release. Check back every July & December for latest rates!

❓ Didn’t Find Your Answer?

Contact your local agriculture department or insurance company helpline. PMFBY has dedicated support in every district to help farmers with enrollment and claims!

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⚠️ Disclaimer

Educational Tool: This PMFBY calculator is an educational tool created by CalcWise to help farmers understand crop insurance premiums. It is NOT an official government calculator and is not affiliated with the Ministry of Agriculture or any insurance company.

Accuracy: Calculations are based on PMFBY official guidelines and real data as of October 2025. Rates change annually in July and December. Always verify with official PMFBY portal (pmfby.gov.in) or your state agriculture department before making enrollment decisions.

Actual Premium May Vary: The calculated premium is an estimate based on standard PMFBY parameters. Actual premium depends on:

  • Exact district & season rates (verified from official portal)
  • Specific crop selected and local yield history
  • Insurance company processing and discounts
  • Any applicable state-specific variations

✓ NOT Official: This is independent educational content, not the official PMFBY portal
✓ Not Binding: Calculator results are estimates only, not enrollment confirmation
✓ Verification Required: Always verify rates and claim eligibility with official sources
✓ Professional Advice: Consult your bank/agriculture officer for personalized guidance

No Liability: CalcWise is not liable for any financial loss, claim rejection, or enrollment failure resulting from reliance on this calculator. Users assume all responsibility for decisions made based on calculator results.

Data Security: This calculator processes data locally in your browser. No personal information is collected, stored, or transmitted to our servers. Your calculations remain completely private.

For Official Enrollment: Visit official PMFBY portal at www.pmfby.gov.in or contact your nearest CSC (Common Service Center), bank, or agriculture office.

Questions? Contact your district agriculture department or insurance company helpline. For calculator issues, email support@calcwise.finance