Crop Insurance Claim Estimator (PMFBY)
Estimate your PMFBY claim from the threshold yield, actual yield and sum insured.
Claim = (threshold yield − actual yield) ÷ threshold yield × sum insured. Threshold yield = 7-year moving average yield of the notified area (best 5 of 7) × indemnity level (70/80/90%). Actual yield comes from official crop-cutting experiments, not individual farms — so claims are area-based.
Indicative planning figures based on published research averages. Local soil tests, varieties and weather change actual requirements — confirm with your agronomist or extension officer.
Farmers and agri-students use the free Crop Insurance Claim Estimator (PMFBY) for an instant, accurate farm-economics answer — no formulas to remember, works offline.
About Crop Insurance Claim Estimator (PMFBY)
PMFBY claims follow a published formula, yet most insured farmers can't predict what a bad season will actually pay. The mechanics: your notified area has a threshold yield (its historical average × the indemnity level); if the season's crop-cutting experiments measure actual yield below it, everyone insured in that area receives the shortfall percentage applied to their sum insured. This tool runs that formula for your numbers. The key insight is that claims are area-based — your own field's loss matters only as part of the area's measured average, except under localized-calamity and post-harvest provisions.
How to use Crop Insurance Claim Estimator (PMFBY)
- 1Enter your crop/farm figures into the inputs.
- 2Read the headline result and the supporting breakdown.
- 3Apply the guidance in the note to your selling and investment decisions.
Why use Crop Insurance Claim Estimator (PMFBY)?
- ✓Uses the standard, citable farm-economics method
- ✓Clear inputs with realistic Indian defaults
- ✓Instant result with the full working shown
- ✓Free, fully in-browser and private
Frequently asked questions
How is a PMFBY claim amount calculated?+
Claim = (threshold yield − actual area yield) ÷ threshold yield × your sum insured. If the threshold is 18 q/ha, assessed yield 12, and sum insured ₹50,000: shortfall 33.3% → claim ₹16,667, paid to all insured farmers of that area.
My crop failed but the area yield was fine — do I get a claim?+
Under the main yield-based cover, generally no — assessment is area-level via crop-cutting experiments. Exceptions: localized calamities (hailstorm, landslide, inundation, cloudburst, fire) and post-harvest losses, which are assessed at individual-farm level if reported within 72 hours.
Is this tool free and private?+
Yes — free, no sign-up, and all calculation runs in your browser, so it works offline at the farm and your data never leaves the device.
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