Tools
Crop Insurance Premium Calculator
See the PMFBY premium you'd pay, your total crop cover and an indicative payout if your crop fails. Adjust crop, season and land area to plan what fits your farm.
2% of sum insured (max farmer share)
2 ac
₹32,000
Premium you pay this season
₹1,280
2% of sum insured · 2 acre(s)
- Total crop cover (sum insured)
- ₹64,000
- Premium per acre
- ₹640
- Cover per ₹1 premium
- ₹50
If your crop fails
50%
Indicative payout: ₹32,000
Indicative only. Real premiums use the district Scale of Finance and notified rates; payouts depend on assessed yield shortfall under PMFBY and are decided by the insurer.
FAQ
Frequently asked questions
Under the Pradhan Mantri Fasal Bima Yojana (PMFBY), farmers pay a fixed, capped share of the sum insured: 2% for Kharif food and oilseed crops, 1.5% for Rabi food and oilseed crops, and 5% for annual commercial and horticultural crops. The government subsidises the rest of the actuarial premium.
Premium = farmer-share rate × Sum Insured, where Sum Insured = the per-acre value (district Scale of Finance) × your land area. This calculator gives an indicative estimate.
No. It is indicative only. Your actual premium depends on the notified Sum Insured (Scale of Finance) for your crop and district, and is decided by the insurer.
PMFBY payouts are based on the assessed shortfall in yield against a guaranteed threshold for your area, not a fixed percentage. The payout figure here is a simple illustration of how much cover your premium buys.
Loanee farmers are often enrolled automatically via their KCC; others can enrol through banks, CSCs or the PMFBY portal before the cut-off date. KisanPe helps you understand your options.
Protect your harvest with KisanPe
Download the app to understand crop insurance and enrol with regulated partners.