Jira & Confluence 
Bitrix24 Rice farm budget · ERCA-RCEF · PCIC
Cost of rice production per hectare — your costs, your returns and the yield you need to break even
Short answer. Put in your costs per hectare, your yield and the palay price: the calculator gives the net result, the cost per kilo and the break-even yield, the ERCA-RCEF loan you can ask LANDBANK for and the PCIC cover. Average yield: 4.26 t/ha, semester 1 2026 (PhilRice — Ricelytics).
- LANDBANK lending center: ERCA-RCEF loan application — plan it a month before: type the date
- Enroll the crop with PCIC for this season: type the date
Check your own case.
Planning suggestions, not legal deadlines.
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Rice farm budget · loan · insurance
What one hectare costs, what it earns — and the yield you need to break even
Put in your costs per hectare, your yield and the palay price. You get the net result, the cost per kilo, the break-even yield, the ERCA-RCEF loan you can ask LANDBANK for and the PCIC cover. The Excel file is a real workbook with formulas — it opens and calculates right in the browser.
Want a reminder to apply for the loan and to enroll with PCIC before planting? We send it before the date.
The calendar file works without an account. Reminders need a free account to know where to send them.Already keep your own farm budget in Excel? Open it here — it calculates in the browser too →
- Compare the break-even yield with your last harvests: that is your safety margin.
- If you need cash for inputs, fill in the LANDBANK letter below and bring the requirements; register in the RSBSA first if you are not yet listed.
- Enroll your crop with PCIC every season — premium-free for farmers in the RSBSA.
Defaults: yield and palay price — PhilRice Ricelytics (semester 1 2026; September 2026); cost items are an example split of the PhilRice 2025 national average cost, ₱47,538 per hectare — put in your own. ERCA-RCEF: LANDBANK FAQ (October 2025) — up to 90 % of the project cost without what grants already cover, 2 % a year, for farmers in the RSBSA. PCIC: cover for rice up to ₱25,000 per hectare from 2026, premium-free for RSBSA farmers (DA, 26 January 2026). Before tax; not financial advice.
Atty. Liza, Layers template assistant
Put in your own costs and your real yield — the plan is only as good as your numbers.
Enroll with PCIC every season. For RSBSA farmers it costs nothing.
An illustrated character, not a lawyer.
Deadlines
The rules, with the source
| What | Deadline | Source |
|---|---|---|
| Average yield | 4.26 t/ha, semester 1 2026 | PhilRice — Ricelytics |
| Farmgate price of dry palay | ₱20.84 per kg (ordinary), September 2026 | PhilRice — Ricelytics |
| Average production cost | ₱47,538 per hectare per cropping season, 2025; net returns ₱10,853; cost per kg ₱14.41 | PhilRice — Ricelytics |
| ERCA-RCEF loan | Up to 90 % of the project cost, without what RCEF seeds or machinery grants already cover; example: ₱55,000 per hectare → up to ₱50,000 | LANDBANK — ERCA-RCEF FAQ, October 2025 |
| Interest | 2 % a year, fixed, for production or machinery loans of individual farmers | LANDBANK — ERCA-RCEF FAQ, October 2025 |
| Who can borrow | Farmers registered in the RSBSA, with no outstanding loan for the same project, actively tilling the land, with marketable surplus | LANDBANK — ERCA-RCEF FAQ, October 2025 |
| PCIC cover | Rice: up to ₱25,000 per hectare for total crop loss from 2026; premium-free for farmers and fisherfolk listed in the RSBSA | DA — PCIC gets bigger budget, 26 January 2026 |
The calculator does not promise a harvest: it shows what your own numbers mean. LANDBANK covers 40 provinces under ERCA-RCEF and DBP the others — check which lender serves your province.
Step by step
What to do, in order
1
Put in your costs
Seeds, fertilizer, labor, machine rental — the fields hold an example; replace them with your own.
2
Check the break-even yield
Compare it with your last harvests: the gap is your safety margin.
3
Register in the RSBSA
Both the ERCA-RCEF loan and free PCIC insurance need it — ask your Municipal Agriculture Office.
4
Apply for the loan
Fill in the letter below, attach the requirements and bring them to the lending center with the bank’s standard form.
5
Enroll with PCIC
Every season, before planting; the cover is free for RSBSA farmers.
Questions
How much does it cost to plant one hectare of rice?
The national average was ₱47,538 per hectare per season in 2025 (PhilRice). Your own costs differ — put them in the calculator.
What yield do I need to break even?
Divide the cost per hectare by the palay price: at ₱47,538 and ₱20.84 per kg, about 2.28 t/ha. The calculator does it for your numbers.
How much can I borrow from LANDBANK for rice?
Under ERCA-RCEF, up to 90 % of the project cost at 2 % a year, if you are registered in the RSBSA.
Official sources
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Keep the papers in one place
Letters, receipts and notices in one folder you can share with family or a lawyer. The templates and the editor are free; Layers is free for up to 20 people.
This is a calculation, a budget and application letters, not financial advice.