The index
NDVI = (NIR minus Red) / (NIR plus Red), where NIR and Red are the fractions of each band reflected. Dividing by the sum normalizes away overall brightness, so the index is fairly stable as clouds or sun angle change. Values range from minus 1 to plus 1; water is negative, bare soil sits near 0.1 to 0.2, and dense green crops reach about 0.8 to 0.9.
The reflectance numbers here come from a simplified teaching model that blends typical values for vigorous leaves, stressed leaves and bare soil by canopy cover. Real reflectance depends on crop, growth stage, soil color and sensor calibration.
Using the map
NDVI maps point scouts to the weak spots, help vary fertilizer or irrigation across a field, and track crops from week to week. They show where something is wrong, not what: low NDVI can mean drought, disease, pests, nutrient shortage or poor emergence, so someone still checks on the ground.