Agar aap pmfby premium ke baare mein detail mein samajhna chahte hain, toh yeh guide aapke liye hai. Pradhan Mantri Fasal Bima Yojana ka premium structure farmers ke liye bahut hi affordable rakha gaya hai, jisme government maximum subsidy provide karti hai.
PMFBY Premium Rates – Farmer’s Share (2026)
PMFBY scheme ke tehat farmers ko jo premium bharna hota hai wo crop category ke hisaab se fixed hai
| Crop Category | Farmer’s Premium Rate | Government Subsidy Share |
|---|---|---|
| Kharif Crops (Food & Oilseeds) | 2% of Sum Insured | 98% of Actuarial Premium |
| Rabi Crops (Food & Oilseeds) | 1.5% of Sum Insured | 98.5% of Actuarial Premium |
| Commercial/Horticultural Crops | 5% of Sum Insured | 95% of Actuarial Premium |
North Eastern States, Jammu and Kashmir, Himachal Pradesh, aur Uttarakhand ke farmers ke liye premium subsidy sharing ratio 90:10 (Central:State) hai, jisse in regions ke farmers ko effective 100% subsidy milti hai
Sum Insured Kaise Calculate Hota Hai
Premium calculation se pehle Sum Insured (coverage amount) determine karna zaroori hai. Yeh do main factors par depend karta hai
- District-level average yield of the notified crop
- Minimum Support Price (MSP) ya prevailing market price, jo bhi higher ho
Formula: Sum Insured per hectare = Average Yield (quintals/hectare) × MSP or Market Price (whichever is higher)
Example Calculation:
- Crop: Wheat (Rabi)
- District average yield: 25 quintals per hectare
- MSP for wheat: ₹2,200 per quintal
- Sum Insured = 25 × 2200 = ₹55,000 per hectare
- Farmer premium (Rabi rate 1.5%) = 55000 × 1.5/100 = ₹825 per hectare
Actuarial Premium vs Farmer Premium
Yeh samajhna important hai ki PMFBY mein do tarah ke premium hote hain:
Actuarial Premium:
- Yeh actual risk-based premium hota hai jo insurance company calculate karti hai
- Isme historical weather data, crop loss patterns, aur regional risk factors consider kiye jate hain
- Actuarial premium usually 8% se 25% tak ho sakta hai, depending on crop aur area calcwise.finance
Farmer Premium:
- Yeh woh amount hai jo farmer actually pay karta hai (1.5%/2%/5%)
- Baaki ka pura difference Central aur State Government equally subsidize karti hain
Example:
- Actuarial premium rate for a Kharif crop in a drought-prone area: 18%
- Sum Insured: ₹40,000 per hectare
- Total actuarial premium: 40000 × 18% = ₹7,200
- Farmer pays (2%): ₹800
- Government subsidy: ₹7,200 minus ₹800 = ₹6,400
State-wise Subsidy Sharing Pattern
Premium subsidy ka burden Central aur State Governments ke beech kaise divide hota hai:
| State Category | Central Share | State Share |
|---|---|---|
| General States | 50% | 50% |
| North Eastern States (from Kharif 2020) | 90% | 10% |
| Himalayan States: J&K, HP, Uttarakhand (from Kharif 2023) | 90% | 10% |
Is structure ki wajah se smaller aur hilly states ke farmers ko bhi affordable premium par coverage mil pati hai
Premium Payment Options
Farmers apna premium share in tarikon se pay kar sakte hain:
- Online payment through PMFBY portal (UPI, net banking, debit card)
- Through bank branch (premium loan account se adjust hota hai for loanee farmers)
- Common Service Centers (CSC) ke zariye cash ya digital payment
- Insurance company offices mein direct payment
Premium payment ki last date state-wise alag hoti hai. Generally Kharif season ke liye July end tak aur Rabi season ke liye December end tak application aur premium submission complete karna hota hai
Premium Calculator Kaise Use Karein
Official PMFBY portal par premium calculator available hai jahan farmers apna estimated premium check kar sakte hain
- pmfby.gov.in/premiumCalculator par visit karein
- Year, Season, Scheme, State, District select karein
- Crop name aur area (hectare mein) enter karein
- System automatically Sum Insured aur applicable premium calculate karke dikhayega
Yeh tool farmers ko planning mein help karta hai ki unki kheti ke liye kitna premium lagega.
Important Points to Remember
- Farmer premium rates (1.5%/2%/5%) par koi additional charge ya hidden cost nahi lagta www.pib.gov.in
- Premium payment ke baad receipt number hamesha save rakhein – claim tracking ke liye zaroori hai
- Agar premium payment fail ho jaye, toh application status pending dikhega – dobara try karein ya bank/CSC se help lein
- Loanee farmers ke liye premium amount automatically crop loan se adjust ho jata hai, alag se payment ki zaroorat nahi hoti
- Non-loanee farmers ko premium khud pay karna hota hai, voluntary basis par
Common Premium-Related Queries
Kya premium refund hota hai agar main apply karke baad mein cancel kar du? Nahi, PMFBY mein premium refund ka provision nahi hai. Ek baar premium submit hone ke baad policy active maani jati hai.
Agar meri fasal bilkul bhi kharab nahi hui, toh kya premium wapas milega? Nahi, PMFBY ek pure insurance product hai. Agar claim nahi banta, toh premium return nahi hota. Lekin agle season ke liye aapko continuity benefit mil sakta hai.
Kya main apne premium ka bill ya receipt download kar sakta hoon? Haan, PMFBY portal par login karke aap premium receipt, policy document, aur payment confirmation download kar sakte hain.
Premium calculation mein koi error lage toh kya karein? Sabse pehle district agriculture office ya insurance company representative se contact karein. Agar resolution na ho, toh pmfby.gov.in par grievance register karein.
Final Note on PMFBY Premium
PMFBY ka premium structure farmers ki affordability ko dhyan mein rakh kar design kiya gaya hai. 1.5% se 5% tak ka farmer share aur 95-98.5% tak ki government subsidy is scheme ko duniya ki sabse subsidized crop insurance schemes mein se ek banati hai
Agar aap notified crop ugate hain, toh pmfby premium bharna ek chhota investment hai jo aapki poori season ki mehnat ko financial risk se bacha sakta hai. Apply karne se pehle apne district ka Sum Insured, notified crops list, aur premium calculator ka use karke estimate zaroor check karein.
Latest premium rates aur state-specific notifications ke liye hamesha official portal pmfby.gov.in ya apne state agriculture department ki website refer karein.
