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Plutas Insure · Smallholder Farmers

Weather protection for smallholder farmers

When a failed season can erase a year's earnings, parametric weather insurance pays out automatically, in ~24 hours, with no crop-cutting and no paperwork.

0M+

Households exposed to weather income risk in India

~0 hrs

Payout after trigger validation, no paperwork

0K+

PIN codes where policies issue in 5 minutes

₹0

Demo booking price

The problem

What smallholder farmers are up against

Seasonal income collapse

A failed kharif or rabi season can erase a farmer's yearly earnings, yet fertiliser costs, labour payments, input loans and household expenses keep accumulating regardless of crop performance.

Traditional insurance delays

Conventional crop insurance relies on crop-cutting assessments and delayed settlement processes, leaving farmers waiting months for compensation.

Rising climate variability

Erratic monsoons, prolonged heatwaves and unpredictable rainfall patterns are making farming seasons harder to predict.

How it works

From setup to automatic payout

01

Setup

Enter your farm PIN code and weather peril type.

02

Pricing

Choose crop stage, set your strike point and insured amount.

03

Issue

Pay digitally; your certificate is issued instantly.

04

Payout

IMD/ERA5 data is monitored; funds transfer automatically on validation.

Perils covered

What triggers a payout

Drought / rainfall deficitIMD
Excess rainfall / flash floodIMD
Heatwave during critical growthERA5
Delayed monsoon onsetIMD
Dry spells within seasonIMD
Cold wave for rabi cropsERA5
The advantage

The parametric advantage

No crop loan or land ownership proof required.

Payouts in ~24 hours.

Triggers at your specific farm PIN code.

Operates fully automatically, no crop-cutting disputes.

Modular coverage by crop phase rather than annual bundles.

Who it's for

Who it's for

Rainfed kharif farmers
Tenant farmers & sharecroppers
Cotton & pulses farmers
Horticulture & vegetable farmers

Shield Your World in the Blink of an Eye

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