UP ke ek gaon mein Ravi ki poori kharif fasal pichhli baar baarish ki kami se barbaad ho gayi thi, aur usse ₹60,000 ka nuksaan hua. Uske padosi ne PMFBY premium kaise calculate kare 2026 seekha aur sirf ₹1,000 ke premium mein apni ₹50,000 ki fasal insure kar li — jab uski fasal kharab hui to use claim mila. Yeh fasal bima ki taakat hai — bahut kam premium mein badi suraksha.

Is guide mein hum PMFBY premium ka calculation, kya cover hota hai, aur claim process samjhenge. Apna premium nikaalne ke liye CalcDesk ka PMFBY Crop Insurance Calculator use karein, aur fasal munafa ke liye Crop Profit Calculator.

PMFBY Kya Hota Hai?

PMFBY (Pradhan Mantri Fasal Bima Yojana) ek government crop insurance scheme hai jo natural calamities se hone wale fasal nuksaan ko cover karti hai. Iski sabse badi baat — kisan ka premium bahut kam hota hai kyunki baaki poora premium central aur state government milkar deti hain. Farmer share: kharif 2%, rabi 1.5%, commercial 5%. Insurers mein AIC, Bajaj Allianz, ICICI Lombard shamil hain.

Sabse aam misconception — “insurance mehnga hota hai”. PMFBY mein aisa nahi — ₹50,000 ki fasal insure karne mein sirf ₹1,000 (kharif) lagta hai. Doosra misconception — “yeh sab kuch cover karta hai”. Nahi — PMFBY natural calamities cover karti hai, chori (theft) ya man-made nuksaan nahi.

Premium Kaise Calculate Hota Hai

PMFBY Premium Formula

Farmer Premium = Sum Insured × Rate
Kharif rate = 2% | Rabi = 1.5% | Commercial = 5%

Example: ₹50,000 sum insured (kharif)
₹50,000 × 2% = ₹1,000 (kisan ka share)
Baaki government (Central:State 50:50)

Har part samjhein: “Sum Insured” — jitni amount tak aapki fasal insured hai, jo crop aur area ke Scale of Finance (DLTC tay karti hai) par based hai, aam taur par ₹30,000-80,000 per acre. “Rate” — farmer ka premium share (kharif 2%, rabi 1.5%, commercial 5%). Step by step: apna sum insured nikaalein, phir season ke hisaab se rate lagayein. Example: ₹50,000 kharif × 2% = ₹1,000. Baaki poora premium (jo actuarial rate par bahut zyada ho sakta hai) government bharti hai. Matlab kisan sirf ₹1,000 mein ₹50,000 ki suraksha paata hai.

Real Examples — 3 Farmers

Example 1 — Ravi, Paddy (kharif), UP

Sum insured ₹50,000 per acre, kharif fasal.

Premium = 50,000 × 2% = ₹1,000. Fasal kharab hone par ₹50,000 tak claim. Sirf ₹1,000 mein badi suraksha — KCC holder hone par auto-debit ho jaata hai.

Example 2 — Sunita, Wheat (rabi), MP

Sum insured ₹40,000 per acre, rabi fasal.

Premium = 40,000 × 1.5% = ₹600. Rabi rate kharif se kam. Baaki government bharti hai. Oala-vrishti ya baarish ki kami cover.

Example 3 — Amit, Cotton (commercial), Maharashtra

Sum insured ₹70,000 per acre, commercial fasal.

Premium = 70,000 × 5% = ₹3,500. Commercial rate zyada (5%) lekin coverage bhi zyada. Cotton ka nuksaan bada hota hai isliye insurance zaroori.

Tables — Premium aur Coverage

Table 1: Premium calc — 3 crops × season.

Crop / SeasonSum InsuredRateFarmer Premium
Paddy (kharif)₹50,0002%₹1,000
Moong (kharif)₹35,0002%₹700
Wheat (rabi)₹40,0001.5%₹600
Cotton (commercial)₹70,0005%₹3,500

Table 2: Kya cover hota hai vs NAHI hota.

Covered ✓NOT Covered ✗
Sookha / baarish ki kamiChori (theft)
Flood / zyada baarishJaan-boojh kar nuksaan
Oala-vrishti, toofanWar / nuclear risks
Pests & diseases (widespread)Localized non-notified loss
Prevented sowing, post-harvest (14 din)Man-made damage

Common Galtiyan

  • Galti: Localized nuksaan 72 ghante mein report na karna → Sahi Tarika: Oala/landslide jaise nuksaan 72 ghante ke andar insurer/bank ko report karein.
  • Galti: Insurance mehnga samajhna → Sahi Tarika: Kharif par sirf 2% — ₹50K par ₹1,000 mein poori fasal insured.
  • Galti: Chori bhi cover samajhna → Sahi Tarika: PMFBY sirf natural calamities cover karti hai, theft nahi.
  • Galti: Enrollment deadline miss karna → Sahi Tarika: Har season ki deadline alag — time par enroll karein.
  • Galti: KCC hone par bhi manually na check karna → Sahi Tarika: KCC holders ka premium auto-debit hota hai — apne account mein verify karein.

Tips aur Tricks

  • Apna premium pehle nikaalein PMFBY Calculator se — bahut kam amount mein badi suraksha.
  • KCC holder hain to premium aksar auto-debit hota hai — apne KCC account mein check karein.
  • Localized nuksaan turant (72 ghante) report karein taaki claim mile.
  • Fasal ka munafa aur cost samjhein Crop Profit Calculator aur fasal munafa guide se.
  • Sasta crop loan lene ke liye KCC Calculator aur KCC guide dekhein.

PMFBY Crop Insurance Calculator — Free aur Instant

CalcDesk ke PMFBY Calculator se seconds mein apna fasal bima premium pao — koi registration nahi, bilkul free.

PMFBY Calculator Open Karein →

Related Calculators & Articles

🛡️PMFBY Calculator 🌾Crop Profit Calculator 🏦KCC Guide (Hinglish) 💰Fasal Munafa (Hinglish)

Aksar Pooche Jane Wale Sawaal

PMFBY mein kisan ka premium bahut kam hota hai kyunki baaki government bharti hai. Farmer premium share: kharif par sum insured ka 2%, rabi par 1.5%, commercial par 5%. Baaki poora premium central aur state government (non-NE states mein 50:50) deti hain. Example: sum insured ₹50,000 ek kharif fasal ke liye, to premium = 50,000 × 2% = sirf ₹1,000. Sum insured crop aur area ke Scale of Finance par depend karta hai jo DLTC tay karti hai, aam taur par ₹30,000-80,000 per acre. Bahut kam premium mein poori fasal insured natural calamities ke against. CalcDesk ke calculator se exact premium nikaalein.
PMFBY natural calamities se hone wale fasal nuksaan ko cover karti hai — sookha, baarish ki kami ya flood, oala-vrishti, toofan, widespread pests/diseases, aur landslide. Iske alawa prevented sowing (mausam ki wajah se bijai na ho paaye) aur post-harvest losses (kate fasal ka 14 din tak field mein nuksaan) bhi cover. Lekin kuch cover NAHI — chori, jaan-boojh kar nuksaan, war/nuclear risks, aur localized non-notified losses. PMFBY natural aur widespread calamities ke liye hai, personal ya man-made nuksaan ke liye nahi. Claim CCE aur satellite data ke aadhaar par hota hai.
PMFBY claim process technology aur field assessment par based hai. Jab area mein fasal nuksaan hota hai, yield ko CCE (Crop Cutting Experiments) ke through measure kiya jaata hai, aur satellite/remote sensing ka bhi istemaal hota hai taaki assessment accurate aur fast ho. Agar area ka actual yield threshold yield se kam nikalta hai, to us proportion mein saare insured kisano ko claim milta hai. Localized calamities (oala/landslide) ke liye kisan ko 72 ghante ke andar report karna hota hai insurer/bank ko. Claim amount directly bank account mein aata hai. Time par report karna aur apne area ka assessment track karna zaroori hai.
PMFBY ab voluntary hai zyada tar kisano ke liye. Lekin ek exception — jo kisan KCC ya crop loan lete hain, unke liye pehle compulsory tha aur ab bhi kai cases mein loan ke saath automatically PMFBY premium debit ho jaata hai (jab tak opt-out na kare). Matlab KCC holder ki fasal aksar automatically insured ho jaati hai aur premium KCC account se katta hai — yeh ek fayda hai kyunki kam premium (2%) mein fasal safe. Non-loanee kisan bank ya insurance portal ke through voluntarily enroll kar sakte hain. Enrollment deadline har season alag, isliye time par apply karein.
Sum insured (jitni amount tak fasal insured hai) crop aur area ke hisaab se DLTC (District Level Technical Committee) tay karti hai, jo Scale of Finance par based hai. Scale of Finance woh amount hai jo crop cultivation ke liye per acre lagti hai, district-wise alag. Aam taur par sum insured ₹30,000-80,000 per acre, jo crop type (cotton/horticulture ka zyada, grains ka kam) aur district par depend. Premium isi sum insured par calculate hota hai (kharif 2%, rabi 1.5%). Zyada sum insured matlab zyada coverage lekin thoda zyada premium. Yeh amount actual production cost cover karne ke liye design ki gayi hai.
CalcDesk ka PMFBY Crop Insurance Calculator use karna simple hai. Aap apni crop type (kharif/rabi/commercial), sum insured (ya area aur Scale of Finance), aur season select kijiye. Calculator turant farmer premium (kharif 2%, rabi 1.5%, commercial 5%) nikaal deta hai, aur yeh bhi dikhata hai ki government kitna premium bhar rahi hai. Isse clear pata chal jaata hai ki itni chhoti amount mein poori fasal insured ho jaati hai. Khaaskar useful jab decide kar rahe hain ki fasal bima lena chahiye ya nahi. Ise crop profit aur KCC calculators ke saath use karein. Koi registration nahi, bilkul free.

Yeh article sirf educational purpose ke liye hai aur insurance ya financial advice nahi hai. PMFBY premium rates, coverage aur enrollment rules government notifications se badalte rehte hain; apply karne se pehle pmfby.gov.in par ya apne bank/insurer se current terms confirm karein. Poora disclaimer padhein →