Crop Insurance Claim & What Will PMFBY Pay?
Recover your yield loss
Under yield-based crop insurance (PMFBY), a claim arises when your actual yield falls below the threshold yield. Payout = (shortfall ÷ threshold) × sum insured — estimate your shortfall % and total payout.
Estimate your claim
Next: file your claim — the 30% shortfall below the guaranteed yield entitles you to ₹24,000; keep crop-cutting / loss-survey records and report within the notification window.
Indemnity = (threshold − actual) ÷ threshold × sum insured, paid only on a positive shortfall. The threshold yield is the scheme's guaranteed yield; final payouts depend on notified crop-cutting results.
Crop insurance claim — key facts
- Claim arises
- actual yield below threshold
- Shortfall
- threshold yield − actual yield
- Payout per ha
- (shortfall ÷ threshold) × sum insured
- Total payout
- payout per ha × area
- Sum insured
- max payable per hectare
- Threshold yield
- area average × indemnity level
- Farmer premium
- 2% kharif · 1.5% rabi · 5% commercial
- Privacy
- Runs in your browser; nothing uploaded
Know your claim before the assessor arrives
Yield-based crop insurance does not pay for any loss — it pays when the season's actual yield slips below a guaranteed threshold yield, the area's recent average scaled by an indemnity level. The further actual yield falls below that threshold, the larger the shortfall and the bigger the compensation, capped at the sum insured per hectare. A total wipeout pays the full sum insured; a one-quarter shortfall pays a quarter of it. Knowing the formula lets you anticipate what a bad season will return.
This tool turns your threshold yield, actual yield and sum insured into a shortfall percentage, a payout per hectare and a total payout across your area, in 8 currencies. Use it to gauge how much a poor harvest will recover and whether your cover is adequate. Pair it with the Crop Insurance Premium, Crop Loan (KCC) and Crop Comparison tools to plan the season's risk and finances.
Estimate your payout
See what a yield shortfall will compensate.
Read the shortfall
How far below threshold your yield fell.
Check your cover
See if the sum insured matches your risk.
Plan the season
Anticipate recovery from a poor harvest.
Frequently Asked Questions
How is a crop insurance claim calculated?+
Under yield-based insurance, payout = (shortfall ÷ threshold yield) × sum insured, where shortfall = threshold yield − actual yield (zero if actual exceeds threshold). The tool computes the shortfall percentage, the payout per hectare and the total payout from your threshold yield, actual yield and sum insured per hectare.
What is the threshold yield?+
The threshold (guaranteed) yield is the benchmark below which a loss is compensated. It is the average yield of the area over recent years multiplied by an indemnity level (commonly 70%, 80% or 90%). A claim arises only when the actual yield for the season falls below this threshold.
What is the sum insured?+
The sum insured is the maximum amount payable per hectare, usually set to the scale of finance or the value of the expected output for the crop. A full crop loss pays out the entire sum insured; a partial shortfall pays a proportionate share. Enter your notified sum insured per hectare.
What is PMFBY?+
The Pradhan Mantri Fasal Bima Yojana is India's flagship crop insurance scheme. It compensates farmers for yield losses from natural risks at a low farmer premium — 2% for kharif crops, 1.5% for rabi and 5% for commercial and horticultural crops — with the balance shared by central and state governments.
How is the actual yield measured?+
Under PMFBY the actual yield for an insurance unit is established through Crop Cutting Experiments and, increasingly, technology such as satellite and weather data. The unit-level actual yield, not your individual field, usually determines the claim, so neighbours in the same unit receive proportionate payouts.
Does a higher indemnity level mean a bigger claim?+
A higher indemnity level raises the threshold yield, so a claim is triggered at a smaller drop in yield and the shortfall percentage is larger for the same actual yield. That means a bigger payout when losses occur — but the premium is correspondingly higher. Use the tool to see the effect of different threshold yields.
When do I receive the payout?+
Claims are settled after the Crop Cutting Experiments and yield data for the season are finalised, typically some weeks to a few months after harvest. Loanee farmers usually receive the payout into the account linked to their crop loan; others receive it in their registered bank account.
Is this the only type of crop insurance claim?+
No. Besides the main yield-based cover, schemes provide for localised calamities, prevented sowing and post-harvest losses, which follow different rules. This tool covers the core yield-shortfall claim, which is the largest component for most farmers under a yield-based scheme.
Can I use this outside India?+
Yes. The yield-shortfall mechanism — payout proportional to how far actual yield falls below a guaranteed threshold, capped at the sum insured — is common to area-yield crop insurance worldwide. Enter your own threshold yield, actual yield and sum insured in your currency to estimate a claim.
Is this an official claim figure?+
No — it's a planning estimate. The actual payout depends on the officially assessed unit-level yield, the notified threshold and sum insured, and the scheme's settlement rules. Use this tool to anticipate a likely claim, then confirm with your insurer or the official portal.