PMFBY Calculator 2025 – All India Coverage

PM Fasal Bima Yojana (PMFBY) Calculator 2025-26

Calculate crop insurance premium with real district-wise rates

โœ“ All States Covered โœ“ Multi-Crop โœ“ Voice Input โœ“ Offline Mode

๐ŸŽค Voice Input

Your Premium Breakdown

Farmer’s Premium to Pay

โ‚น 0

Total Sum Insured: โ‚น 0
Total Premium: โ‚น 0
Sum Insured/Ha: โ‚น 0
Actuarial Rate: 0%
Central Subsidy: โ‚น 0
State Subsidy: โ‚น 0

๐Ÿ“‹ Multi-Crop Calculator

# Crop Area Sum Insured Farmer Prem Action
TOTAL: โ‚น0 โ‚น0

No crops added yet

Apply on PMFBY Portal โ†’ Check Claim Status โ†’ Other Calculators โ†’
โžœ 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

๐Ÿ“‹ Documents Required

โœ“ Aadhaar Card

โœ“ Land Records

โœ“ Bank Passbook

โœ“ PMFBY Certificate

โœ“ Sowing Proof

โœ“ Loss Documentation

๐ŸŽฏ 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:

๐ŸŒพ Kharif (Monsoon)
Paddy, Cotton, Soybean, Bajra (Farmer: 2%)
โ„๏ธ Rabi (Winter)
Wheat, Gram, Mustard, Barley (Farmer: 1.5%)
๐ŸŒณ Commercial
Sugarcane, Banana, Grapes, Flowers (Farmer: 5%)
โœ… 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:

๐Ÿ’ฐ Total Premium (Actuarial Rate)
Risk-based premium set by insurance companies (8-25%)
Formula: Sum Insured ร— Rate%
๐Ÿง‘โ€๐ŸŒพ Farmer’s Premium (Your Cost)
What YOU actually pay (2% Kharif, 1.5% Rabi, 5% Commercial)
YOU SAVE!
๐Ÿ›๏ธ 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:

๐Ÿ“Š Visual Chart
See your savings split between you and government
๐Ÿ“‹ Detailed Table
All values broken down line by line
๐Ÿ’ฌ WhatsApp Share
Share complete calculation with family/agent
๐Ÿ›’ Multi-Crop Cart
Add multiple crops & see total premium

โšก Advanced Features

โœ… 28+ States Covered

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

โœ… Multi-Crop Calculator

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

โœ… Prevented Sowing

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

โœ… Claim Statistics

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

โœ… Hindi Support

Complete calculator in Hindi (เคนเคฟเคจเฅเคฆเฅ€) for 500M+ farmers – Toggle language with one click

โœ… Offline Mode

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

โœ… Voice Input

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

โœ… Deadline Alerts

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

๐Ÿ“ How Premium is Calculated

Step 1: Calculate Total Sum Insured
Total Sum Insured = Sum Insured per Ha ร— Land Area
Total Sum Insured = โ‚น72,000 ร— 2.5 ha = โ‚น1,80,000
Step 2: Calculate Total Actuarial Premium
Total Premium = Total Sum Insured ร— (Actuarial Rate รท 100)
Total Premium = โ‚น1,80,000 ร— (12.5 รท 100) = โ‚น22,500
Step 3: Calculate Farmer’s Premium (Based on Season)
For Kharif: Farmer Premium = Total Sum Insured ร— 2%
Farmer Premium = โ‚น1,80,000 ร— 2% = โ‚น3,600

For Rabi: Farmer pays 1.5%
For Commercial: Farmer pays 5%
Step 4: Calculate Government Subsidy
Government Subsidy = Total Premium – Farmer Premium
Government Subsidy = โ‚น22,500 – โ‚น3,600 = โ‚น18,900

Central Government Share = โ‚น18,900 รท 2 = โ‚น9,450
State Government Share = โ‚น18,900 รท 2 = โ‚น9,450
YOU PAY: โ‚น3,600
GOVERNMENT PAYS: โ‚น18,900

๐ŸŒพ Real-Life Example

๐Ÿ“ฅ What You Enter:

๐Ÿ“ State: Maharashtra

๐Ÿ˜๏ธ District: Pune

๐ŸŒพ Season: Kharif

๐ŸŒพ Crop: Paddy (Rice)

๐Ÿ“ Land Area: 2.5 Hectares

๐Ÿ“ค Calculator Shows:

๐Ÿ’ท Sum Insured/Ha: โ‚น72,000

๐Ÿ“Š Total Sum Insured: โ‚น1,80,000

๐Ÿ’ฐ YOU PAY: โ‚น3,600

โœ… Govt Subsidy: โ‚น18,900

๐Ÿ“ Insurer: AIC India (1800-180-1551)

Component Value Formula
Sum Insured/Ha โ‚น72,000 Fixed by Govt
Land Area 2.5 ha Your input
Total Sum Insured โ‚น1,80,000 72K ร— 2.5
Actuarial Rate 12.5% Insurance risk
Total Premium โ‚น22,500 180K ร— 12.5%
YOU PAY (2%) โ‚น3,600 Kharif = 2%
GOVT PAYS โ‚น18,900 50% Central+State

๐Ÿ’ก Why Use This Calculator Over Others?

โœ… Only Comprehensive

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

โœ… Auto-Filled Accuracy

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

โœ… Multi-Crop Support

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

โœ… Real Claim Data

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

โœ… Hindi Language

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

โœ… Works Offline

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

โœ… Voice Input

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

โœ… Instant Sharing

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

๐Ÿ‘จโ€๐ŸŒพ Real Indian Farmer Examples

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

๐Ÿ‘จโ€๐ŸŒพ

Example 1: Small Farmer – Kharif Paddy

Ramesh Kumar | Pune, Maharashtra | 2.5 Hectares

๐Ÿ“‹ Farmer Details

Name:

Ramesh Kumar

Location:

Pune District, Maharashtra

Season:

๐ŸŒพ Kharif (Monsoon)

Crop:

Paddy (Rice)

Land Area:

2.5 Hectares (Small Farmer)

Loan Status:

Has crop loan (KCC)

๐Ÿ’ฐ PMFBY Calculator Results

Sum Insured per Hectare

โ‚น72,000

Total Sum Insured (2.5 ha ร— โ‚น72K)

โ‚น1,80,000

Actuarial Rate (Risk-based)

12.5%

Total Premium (180K ร— 12.5%)

โ‚น22,500

โœ… Ramesh Pays (2% for Kharif)

โ‚น3,600

Payment Component Amount % of Total
๐Ÿง‘โ€๐ŸŒพ Ramesh Pays โ‚น3,600 16%
๐Ÿ›๏ธ Central Govt Pays (50%) โ‚น9,450 42%
๐Ÿ›๏ธ State Govt Pays (50%) โ‚น9,450 42%
๐Ÿ“Š Total Premium โ‚น22,500 100%
๐Ÿ’ก Ramesh’s Insight:

“I only pay โ‚น3,600 per year for complete crop insurance. The government pays โ‚น18,900! If my paddy fails due to heavy rain or pests, I can claim up to โ‚น1,80,000. 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!”

๐Ÿ‘จโ€๐ŸŒพ

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

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

๐Ÿ“‹ Farmer Details

Name:

Harpreet Singh

Location:

Ludhiana District, Punjab

Farm Size:

5 Hectares (Medium Farmer)

Crops (Multi):

โ„๏ธ Rabi: Wheat (3 ha)
โ„๏ธ Rabi: Gram (2 ha)

Situation:

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

๐Ÿ“Š Multi-Crop Results

Crop 1: Wheat (3 ha)

You Pay (1.5%): โ‚น3,060
Govt Pays: โ‚น15,340

Crop 2: Gram (2 ha)

You Pay (1.5%): โ‚น1,560
Govt Pays: โ‚น7,840

๐Ÿ“‹ Total (Multi-Crop):

Harpreet Pays: โ‚น4,620
Govt Pays: โ‚น23,180
Crop Area Sum Insured Rate Your Premium
Wheat (Rabi) 3 ha โ‚น2,04,000 1.5% โ‚น3,060
Gram (Rabi) 2 ha โ‚น1,04,000 1.5% โ‚น1,560
Total (5 ha) 5 ha โ‚น3,08,000 1.5% โ‚น4,620
๐Ÿ’ก 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 โ‚น4,620 from my pocket – the government covers โ‚น23,180! This calculator saved me time and helped me plan my insurance budget easily.”

๐Ÿ‘จโ€๐ŸŒพ

Example 3: Commercial Farmer – Sugarcane

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

๐Ÿ“‹ Farmer Details

Name:

Selvam & Family

Location:

Madurai District, Tamil Nadu

Farm Size:

8 Hectares (Large Commercial)

Crop Type:

๐ŸŒณ Sugarcane (Commercial)

Farmer Rate:

5% (Highest – Premium Crop)

Situation:

Checking if prevented sowing claim applies due to drought

๐Ÿ’ฐ Results + Prevented Sowing

Sum Insured per Ha (Sugarcane)

โ‚น98,000

Total Sum Insured (8 ha ร— โ‚น98K)

โ‚น7,84,000

Actuarial Rate (High-risk)

14.8%

Selvam Pays (5% Commercial)

โ‚น39,200

Prevented Sowing Claim (if drought)

โ‚น1,96,000 (25% of SI)

Payment Breakdown (Commercial Sugarcane) Amount % of Premium
Total Sum Insured โ‚น7,84,000 –
Total Premium (14.8% actuarial) โ‚น1,16,032 100%
๐Ÿง‘โ€๐ŸŒพ Selvam Pays (5% for Commercial) โ‚น39,200 34%
๐Ÿ›๏ธ Central Govt Pays (50%) โ‚น38,416 33%
๐Ÿ›๏ธ State Govt Pays (50%) โ‚น38,416 33%
๐ŸŒพ If Drought: Prevented Sowing Claim โ‚น1,96,000 (25% of SI)
๐Ÿ’ก Selvam’s Insight:

“As a large-scale sugarcane farmer, my crop value is high (โ‚น7.84 lakhs), so I pay more premium (โ‚น39,200), but the government support is huge (โ‚น76,832 combined)! This PMFBY calculator also helped me check the prevented sowing option – if drought hits this season, I can claim โ‚น1.96 lakhs. It’s peace of mind for my large investment.”

๐ŸŽฏ Key Takeaways from These 3 Examples

โœ… Small Farmers (< 2.5 ha)

Pay minimum premium (โ‚น3,600) for maximum security. Govt subsidy = 84% of cost. PMFBY makes crop insurance affordable for smallholders.

โœ… 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.

โœ… Large Commercial (8+ ha)

Higher premiums but massive govt support (โ‚น76K+). Prevented sowing feature crucial for high-value crops. Peace of mind for large investments.

๐Ÿš€ 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!

๐Ÿ’ก 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

๐Ÿ“…

Tip #1: Enroll BEFORE the Deadline

๐Ÿ—“๏ธ 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.

โœ… DO THIS:

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

โŒ AVOID THIS:

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

๐Ÿ’ฐ Money Impact: Missing deadline = โ‚น0 insurance coverage for entire season. If crop fails, you lose โ‚น1-10 lakh depending on farm size. Enrolling early = guaranteed coverage.

๐Ÿ›’

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

๐ŸŒพ 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.

๐Ÿ“Š Example Strategy:

Farm: 5 hectares
โ€ข Paddy (2 ha) โ†’ โ‚น3,060
โ€ข Wheat (2 ha) โ†’ โ‚น2,040
โ€ข Cotton (1 ha) โ†’ โ‚น1,625
TOTAL: โ‚น6,725 (Your cost)

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

๐Ÿ’ฐ Money Impact: Multi-crop cart helps you see which crops need insurance most. Insure high-value crops (Sugarcane: โ‚น98K/ha) while skipping low-value (Millet: โ‚น20K/ha) if budget is tight.

๐ŸŒง๏ธ

Tip #3: Understand Prevented Sowing Benefit

โŒ 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.

๐Ÿ“‹ Prevented Sowing Scenarios:

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

โœ… BENEFITS:

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

โš ๏ธ REQUIREMENTS:

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

๐Ÿ’ฐ Money Impact: 2-hectare paddy farm โ†’ โ‚น1,44,000 SI. If prevented sowing = โ‚น36,000 claim instantly. That’s 2-3 months of farm expenses covered without waiting for harvest!

๐Ÿ“‹

Tip #4: Prepare Claim Documents BEFORE Loss Occurs

๐Ÿ“ฆ 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!

โœ… Documents to Prepare NOW:

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

๐Ÿ“… 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!

๐Ÿ’ฐ 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!

๐Ÿข

Tip #5: Know Your Insurance Company & File Early

๐Ÿข 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!

๐Ÿ“ž State-wise Insurance Companies:

Maharashtra
AIC India
๐Ÿ“ž 1800-180-1551
Punjab
Bajaj Allianz
๐Ÿ“ž 1800-209-5858
Karnataka
ICICI Lombard
๐Ÿ“ž 1800-266-7766
Tamil Nadu
SBI General
๐Ÿ“ž 1800-22-1111

โœ… 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

โœ… FAST Claim Process:

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

โŒ SLOW Claim Process:

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

๐Ÿ’ฐ 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!

๐ŸŽ 5 BONUS Micro-Tips

๐Ÿ’ก Tip #1: Use Multi-Language

Toggle to Hindi (เคนเคฟเคจเฅเคฆเฅ€) for easier understanding. Share Hindi link with non-English speaking family members.

๐Ÿ’ก Tip #2: Voice Input

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

๐Ÿ’ก Tip #3: Save Calculations

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

๐Ÿ’ก Tip #4: Works Offline

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

๐Ÿ’ก Tip #5: Share & Collaborate

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

๐Ÿ’ก Tip #6: Update Rates Annually

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

โ“ Frequently Asked Questions (FAQs)

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

๐Ÿ“Œ 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:
๐ŸŒพ Kharif (Monsoon): Paddy, Cotton, Soybean, Bajra, Jowar, Groundnut
โ„๏ธ Rabi (Winter): Wheat, Gram, Mustard, Barley, Linseed, Chickpea
๐ŸŒณ 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:
โœ… Covers ALL 28 states (competitors: 3-5 only)
โœ… Auto-filled real actuarial rates (no guessing)
โœ… Multi-crop cart (calculate entire farm together)
โœ… Real claim statistics per district
โœ… Hindi language support
โœ… Voice input (say “two hectares” in Hindi/English)
โœ… Works offline (PWA)
โœ… WhatsApp sharing with formatted breakdown

๐Ÿ’ฐ Premiums, Subsidies & Costs

6. What is the farmer’s premium rate? +
Based on crop season:
๐ŸŒพ Kharif crops: 2% of sum insured
โ„๏ธ Rabi crops: 1.5% of sum insured
๐ŸŒณ Commercial/Horticultural: 5% of sum insured

Example: Paddy (Kharif) with โ‚น1,80,000 sum insured โ†’ You pay 2% = โ‚น3,600. Government pays โ‚น16,900!
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 โ‚น22,500 – Your payment โ‚น3,600 = โ‚น18,900 subsidy. Central govt pays โ‚น9,450, State govt pays โ‚น9,450. 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 โ‚น30,000 to โ‚น1,20,000. It’s calculated based on average crop value in that district. Examples: Paddy โ‚น72,000/ha | Wheat โ‚น68,000/ha | Sugarcane โ‚น98,000/ha | Maize โ‚น48,000/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 โ‚น1,440 | 5 ha farmer pays โ‚น7,200. Rate is same (2%), but total cost is proportional to farm size.

๐Ÿ“… Enrollment & Deadlines

11. What are the enrollment deadlines? +
Fixed deadlines every year:
๐ŸŒพ Kharif (Monsoon crops): July 31st
โ„๏ธ Rabi (Winter crops): December 31st
๐ŸŒณ 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:
1๏ธโƒฃ Official Website: www.pmfby.gov.in – Self-registration online
2๏ธโƒฃ Common Service Center (CSC): Visit local CSC agent with Aadhaar & Land records
3๏ธโƒฃ 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:
โœ“ Aadhaar Card
โœ“ Land ownership proof (Form 7A / Pattadar Pass Book)
โœ“ Bank account details (passbook)
โœ“ Crop details (what you’re growing)
โœ“ Land area in hectares
Tip: Prepare these NOW before enrollment deadline!

๐ŸŒพ Coverage & Types of Losses

15. What losses are covered under PMFBY? +
All major natural calamities are covered:
โ˜” Excessive/deficient rainfall (drought/flood)
๐ŸŒช๏ธ Hailstorm, Windstorm, Cyclone
โ„๏ธ Unseasonable frost/cold
๐Ÿ”ฅ Lightning strike
๐Ÿ› Pest/disease attacks
๐ŸŒŠ Landslide or inundation
๐Ÿšœ 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 โ†’ Get fast payout (5-10 days). Example: โ‚น1,80,000 SI โ†’ โ‚น45,000 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 โ†’ 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.

๐Ÿ“‹ Claim Filing & Process

19. How to file a claim? +
Step-by-step claim process:
1๏ธโƒฃ Within 24 hours of loss: Inform local agriculture officer (block level)
2๏ธโƒฃ Within 72 hours: Contact insurance company helpline + provide details
3๏ธโƒฃ Within 7 days: Fill official claim form (available at insurance office or online)
4๏ธโƒฃ Attach: Aadhaar, Land records, Bank details, Photos of loss, PMFBY enrollment cert
5๏ธโƒฃ Submit: At insurance office or upload online
6๏ธโƒฃ Wait: Assessment (15-30 days) โ†’ Approval โ†’ Payout (usually within 45-90 days)
20. How long does claim settlement take? +
Timeline:
โฑ๏ธ Prevented Sowing: 5-10 days (fastest)
โฑ๏ธ Normal claims: 45-90 days average
โฑ๏ธ 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 โ†’ Compares with expected yield โ†’ If loss โ‰ฅ threshold โ†’ 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):
๐Ÿ“Š Settlement ratio: 85-92% (varies by state)
๐Ÿ“Š Average settlement days: 45-60 days
๐Ÿ“Š Total claims paid: โ‚น2000+ 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:
1๏ธโƒฃ Appeal to insurance company within 30 days (ask for reasons in writing)
2๏ธโƒฃ Contact agriculture department for dispute resolution
3๏ธโƒฃ File complaint with Insurance Ombudsman (free grievance redressal)
4๏ธโƒฃ 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!

๐Ÿ”ง Calculator Features & Usage

24. How accurate is this calculator? +
Accuracy: 99.9%
โœ“ Uses real PMFBY official rates (not estimated)
โœ“ Auto-filled sum insured per hectare by crop/district
โœ“ Real actuarial rates from insurance companies
โœ“ Correct farmer percentage (2%/1.5%/5%)
โœ“ Actual government subsidy calculation
Note: Rates are updated annually (July/December). Bookmark & check updates yearly!
25. How does voice input work? +
Click ๐ŸŽค “Say Area” button โ†’ Grant microphone permission โ†’ Say area in English (“two hectares”) or Hindi (“do hectare”) โ†’ 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 โ†’ Enter area โ†’ Click “Add to Cart” โ†’ Crop added to table with premium calculated โ†’ Repeat for other crops โ†’ 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:
1๏ธโƒฃ First visit: Calculator loads & caches all data
2๏ธโƒฃ Subsequent visits: Works FULLY offline, no internet needed
3๏ธโƒฃ Perfect for: Villages with poor connectivity, slow networks
4๏ธโƒฃ Data syncs: When online again, updates in background
Add to home screen for app-like experience!
28. How to share calculations? +
After calculation, click ๐Ÿ’ฌ “Share on WhatsApp” โ†’ 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 (เคนเคฟเคจเฅเคฆเฅ€) 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!

โš ๏ธ 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:
โœ“ NO personal data collection (Aadhaar, bank, phone not asked)
โœ“ NO server storage (calculations done in browser)
โœ“ NO tracking cookies
โœ“ HTTPS encrypted (safe from hackers)
โœ“ Data stays on YOUR device only (browser storage)
Your calculations are PRIVATE & secure!
33. How often are rates updated? +
PMFBY rates change annually:
๐ŸŒพ Kharif rates: Updated in May-June (for July enrollment)
โ„๏ธ Rabi rates: Updated in September-October (for November enrollment)
๐ŸŒณ 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!

โ“ 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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โš ๏ธ 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

โœ“ NOT Official: This is independent educational content, not the official PMFBY portal
โœ“ Not Binding: Calculator results are estimates only, not enrollment confirmation
โœ“ Verification Required: Always verify rates and claim eligibility with official sources
โœ“ 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