PM Fasal Bima Premium Calculator

Calculate PMFBY crop insurance premium for Kharif, Rabi, and commercial crops. Find your farmer premium share and maximum insured sum for crop loss protection.

Pradhan Mantri Fasal Bima Yojana Calculator

Farmer premium share vs government subsidy for crop insurance under PMFBY

Crop season
Sum insured per hectare Rs 50,000
Rs 5KRs 5L
Rs
Land area 1 ha
0.1 ha10 ha
ha
Actuarial premium rate 8%

Total premium rate set by insurer — farmer pays only the capped share

2%20%
%
Breakdown
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Scheme details based on current government rules. Always verify latest eligibility and benefits at official portals before applying.

Visual comparison
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Under PMFBY, farmers pay maximum 2% of sum insured for Kharif crops, 1.5% for Rabi, and 5% for commercial/horticultural crops — the rest is subsidised by government. On Rs 50,000 sum insured for wheat (Rabi), the farmer pays just Rs 750 in premium and can claim up to Rs 50,000 for crop failure. Despite this, claim settlement remains slow in many states — choose states with better claim ratio history.

Pradhan Mantri Fasal Bima Yojana Calculator

Calculate PMFBY crop insurance premium for Kharif, Rabi, and commercial crops. Find your farmer premium share and maximum insured sum for crop loss protection.

Frequently asked questions

What crops are covered under PMFBY?▼
PMFBY covers food crops (cereals, millets, pulses), oilseeds, and annual commercial/horticultural crops notified by state governments. Perennial horticultural crops are covered under RWBCIS (Restructured Weather Based Crop Insurance Scheme). The specific crops covered vary by state and season.
How much premium do farmers pay under PMFBY?▼
Farmer's share: Maximum 2% for Kharif food crops; maximum 1.5% for Rabi food crops and oilseeds; maximum 5% for annual commercial/horticultural crops. The remaining premium (called actuarial premium) is shared between the state and central government. This makes PMFBY premiums significantly lower than commercial crop insurance.
When and how to claim under PMFBY?▼
Claims can be filed for: (1) prevented sowing due to adverse conditions, (2) mid-season adversity (hailstorm, flood, drought), (3) post-harvest losses for crops left to dry, (4) localized calamities (landslide, inundation). Notify within 72 hours to the insurer, bank, or state/district agriculture department through the PMFBY app or helpline.

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