Government Scheme
PMFBY Crop Insurance
Protect your harvest against drought, flood, hail and pest attack. Just 2% of the sum insured for kharif, 1.5% for rabi — the rest is subsidised by Centre + State.
Premium Calculator
Estimate your sum insured and farmer share in seconds. Official rates per PMFBY notification.
Sum insured
Rs.24,000
Rice • Kharif • 1 ac
Farmer share %
2%
Per PMFBY rates
You pay
Rs.480
Indicative
Total premium
Rs.2,880
Govt subsidised
^ Example — change crop/area above to recalc.
How PMFBY works
- Enrol within the notification window for your state — typically 31 July for kharif, 31 Dec for rabi.
- Pay only your share (2% kharif, 1.5% rabi, 5% commercial/horticulture).
- In case of crop loss, intimate within 72 hours via the PMFBY app or local agri office.
- Claim is settled directly into your bank account after assessment.
Eligibility
| Farmer type | Eligible? |
|---|---|
| Loanee farmer (KCC) | Auto-enrolled |
| Non-loanee farmer | Voluntary |
| Sharecropper / tenant | Yes, with land record |
| Notified crops only | State govt publishes the list each season |
Frequently asked questions
What documents do I need?
Aadhaar, bank passbook, land record (7/12 / khasra / khata), sowing certificate from village patwari.
Can I enrol online?
Yes — use the official PMFBY portal. Loanee farmers are auto-enrolled by their bank.
How do I file a claim?
Within 72 hours of loss via Crop Insurance App, toll-free 14447, or your bank/insurer.
What if my crop isn't listed?
Only state-notified crops are eligible per season. Check with your district agriculture officer.