Lok Sabha Question No. 221 (UNSTARRED), answered on 2018-12-11
Subject: Benefits from PMFBY
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: RAJU ALIAS DEVAPPA ANNA SHETTI, SHOBHA KARANDLAJE, R. GOPALAKRISHNAN, PRATHAP SIMHA, KIRIT PREMJIBHAI SOLANKI

## GOVERNMENT OF INDIA

## MINISTRY OF AGRICULTURE AND FARMERS WELFARE DEPARTMENT OF AGRICULTURE, COOPERATION AND FARMERS WELFARE

## LOK  SABHA UNSTARRED QUESTION NO.221

TO BE ANSWERED ON THE  11 TH  DECEMBER, 2018

## BENEFITS FROM PMFBY

221.   SHRI RAJU SHETTY: SHRI PRATHAP SIMHA: SHRI R. GOPALAKRISHNAN: KUMARI SHOBHA KARANDLAJE:

Dr. KIRIT P. SOLANKI:

Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ ष एवं कसान कयाण मंी be pleased to state:

- (a) whether all the farmers in the country have been covered under Pradhan Mantri Fasal Bima Yojana (PMFBY) and if so, the details thereof along with the number of farmers who got the benefits thereof and the average premium paid by these beneficiaries;
- (b) if  not,  the  reasons therefor and the steps taken/being taken to enroll all the farmers under the yojana;
- (c) the number and value of claims received, processed and paid each month since the scheme introduction in 2016 and the average value of processed settlements, State-wise;
- (d) the number of claims currently pending or dismissed;
- (e) whether the Government has taken measures to monitor/oversee the processing of these claims and if so, the details thereof; and
- (f) whether any action has been taken against any insurance company for irregularities in processing and payment of claims under the yojana, if so, the details thereof?

## ANSWER

MINISTER OF  STATE IN THE  MINISTRY OF  AGRICULTURE AND  FARMERS  WELFARE कृ ष एवं कसान कयाण मंालय म राय मंी ( SHRI PARSHOTTAM RUPALA)

- (a) & (b) :   Pradhan Mantri Fasal Bima Yojana (PMFBY) and Restructured Weather Based Crop Insurance Scheme (RWBCIS) are available for all the farmers including sharecropper tenant farmers growing the notified crops in the notified areas.  The scheme is compulsory for loanee farmers in  areas/crops notified by the concerned State Government and voluntary for non-loanee farmers. Further, the scheme is also optional for the States/Union Territories. As the scheme is not notified by all the States/UTs and for all the crops/areas by the States, all the farmers in the country are not covered under these schemes. As against the premium collected from farmers amounting to Rs. 4216.04 crore in 2016-17, claims of Rs. 16279.25 crore  have  been  paid  to  farmers.  Similarly,  claims  of  Rs.  16967.92  crore  have  been  paid during  2017-18  (Kharif  2017)  against  premium  collected  from  farmers  amounting  to  Rs. 3038.70 crore.  Details of enrolment of farmers, premium paid by them an claims paid are given in following table:
- (c)  to  (f):    Season-wise  details  of  farmers  enrolled,  premium  received,  claims  processed, claims approved, claims paid and pending are given in Annexure .   To monitor/oversee the claims related issues, various measures, including the following, have been taken :-

| Season                      | Farmers Enrolled   | Farmers Benefitted   | Farmers share of premium   | Claims Paid    |
|-----------------------------|--------------------|----------------------|----------------------------|----------------|
|                             | (In lakhs)         | (In lakhs)           | (Rs. in crors)             | (Rs. in crors) |
| 2016-17                     | 573.15             | 306.21               | 4216.04                    | 16279.25       |
| 2017-18 (Mainly Kharif, 17) | 518.29             | 159.30               | 3038.70                    | 16967.92       |

(a) Stipulation of timelines for completion of the following activities :-

- (i)  Submission  of  proposals  by  banks  to  insurance  companies,  (ii)  Assessment  of  yield  by State Government agencies,

(ii) Assessment of yield by State Government agencies,

- (iii)  Processing and settlement of claims by insurance companies, (to be done within three weeks of receipt of yield data from State)

(b) Mandatory use of CCE Agri App/smartphone for transmission of data etc.

Further, Crop Insurance Portal has been launched for ensuring better administration, co-ordination  amongst  stakeholders,  transparency  and  seamless  flow  of  information/data including calculation of claims of individual farmers etc ensure timely settlement of claims.

Moreover,  Operational  Guidelines  of  the  scheme  have  been  revised  recently  to provide  for  Penalties/  Incentives  for  States,  Insurance  Companies  and  Banks,  i.e.,  12% interest  rate  per  annum  to  be  paid  by  the  Insurance  Company  to  farmers  for  delay  in settlement claims beyond 10 days of prescribed cut off date for payment of claims.  Similarly, State  Govt.  have  to  pay  12%  interest  rate  for  delay  in  release  of  State  share  of  Subsidy beyond  three  months  of  prescribed  cut  off  date/submission  of  requisition  by  Insurance Companies.

Besides above, Department has put a rigorous monitoring mechanism in place in form of  weekly  review  with  all  stakeholders  including  States,  Insurance  Companies,  Banks  and other  supporting  agencies,    issues  based  meetings  with  concerned  stakeholders  including meetings  of  Technical  Advisory  Committee  and  meetings  of  National  Level  Monitoring Committee (NLMC) to ensure early settlement of claims under the scheme.

## Season-wise details of farmers enrolled, premium collected and claims under PMFBY

## Kharif 2016

| Sl. No.   | State / UT       | Sum of No. of Farmers Enrolled   | Premium Paid by Enrolled farmers   | Received Claims   | Processed Claims   | Claim Paid   | Claims pending   | No. of Beneficiary Farmers   |
|-----------|------------------|----------------------------------|------------------------------------|-------------------|--------------------|--------------|------------------|------------------------------|
| Sl. No.   |                  | Rs. In Lakh                      | Rs. In Lakh                        | Rs. In Lakh       | Rs. In Lakh        | Rs. In Lakh  |                  |                              |
| 1         | Andhra Pradesh   | 1618537                          | 18112.19                           | 64827.55          | 64582.43           | 64380.67     | 245.13           | 794207                       |
| 2         | Assam            | 51749                            | 410.96                             | 501.68            | 501.68             | 501.68       | -                | 23370                        |
| 3         | Bihar            | 1485432                          | 13062.11                           | 29153.69          | 29153.69           | 29153.69     | -                | 151365                       |
| 4         | Chhattisgarh     | 1399189                          | 12755.37                           | 13303.59          | 13303.59           | 13303.59     | -                | 96966                        |
| 5         | Goa              | 744                              | 6.73                               | 2.68              | 2.68               | 2.68         | -                | 111                          |
| 6         | Gujarat          | 1842386                          | 22433.85                           | 122928.47         | 122928.47          | 122928.47    | -                | 639228                       |
| 7         | Haryana          | 738856                           | 12686.04                           | 23521.22          | 23521.22           | 23412.42     | -                | 152908                       |
| 8         | Himachal Pradesh | 134616                           | 472.41                             | 605.17            | 605.17             | 582.79       | -                | 27415                        |
| 9         | Jharkhand        | 828412                           | 3782.53                            | 2984.90           | 2460.28            | 2049.00      | 524.62           | 39627                        |
| 10        | Karnataka        | 1356875                          | 19038.28                           | 116407.65         | 115738.94          | 115192.83    | 668.72           | 682012                       |
| 11        | Kerala           | 31531                            | 311.88                             | 1792.24           | 1792.24            | 1787.08      | -                | 24895                        |
| 12        | Madhya Pradesh   | 4071974                          | 42089.93                           | 184650.32         | 184650.32          | 184582.66    | -                | 1110471                      |
| 13        | Maharashtra      | 10997398                         | 59929.78                           | 207989.81         | 207989.81          | 207989.81    | -                | 2795624                      |
| 14        | Manipur          | 8366                             | 73.88                              | 195.91            | 195.91             | 195.91       | -                | 8358                         |
| 15        | Meghalaya        | 63                               | 1.04                               | 2.62              | 2.62               | 2.62         | -                | 48                           |
| 16        | Odisha           | 1766541                          | 13782.83                           | 42934.79          | 42934.79           | 42928.29     | -                | 166436                       |
| 17        | Rajasthan        | 6231514                          | 22006.30                           | 163372.03         | 163372.03          | 163201.57    | -                | 18752192                     |
| 18        | Tamil Nadu       | 15873                            | 554.08                             | 1061.06           | 1061.06            | 494.68       | -                | 1987                         |
| 19        | Telangana        | 708876                           | 8962.43                            | 16422.62          | 16422.62           | 16368.10     | -                | 207323                       |
| 20        | Tripura          | 1881                             | 4.94                               | 8.34              | 8.34               | 8.34         | -                | 502                          |
| 21        | Uttar Pradesh    | 3739273                          | 26711.35                           | 45000.51          | 45000.51           | 44986.11     | -                | 952647                       |
| 22        | Uttarakhand      | 175243                           | 1465.65                            | 1668.73           | 1668.73            | 1668.41      | -                | 50500                        |
| 23        | West Bengal      | 3053408                          | 13252.89                           | 10410.63          | 10389.00           | 9584.79      | 21.63            | 291212                       |
|           | Total            | 40258737                         | 291907.45                          | 1049746.21        | 1048286.11         | 1045306.20   | 1,460.09         | 26969404                     |

## Annexure

RABI 2016-17

| Sl. No.   | State / UT       | Sum of No. of Farmers Enrolled   | Premium Paid by Enrolled farmers   | Received Claims   | Processed Claims   | Claim Paid   | Claims pending   | No. of Beneficiary Farmers   |
|-----------|------------------|----------------------------------|------------------------------------|-------------------|--------------------|--------------|------------------|------------------------------|
| Sl. No.   | State / UT       | No.                              |                                    | Rs. In Lakh       | Rs. In Lakh        |              |                  | No.                          |
| 1         | A & N Islands    | 324                              | 0.23                               | 14.56             | 14.56              | 14.56        | -                | 295                          |
| 2         | Andhra Pradesh   | 156875                           | 1815.14                            | 25465.03          | 25465.03           | 24075.76     | -                | 87931                        |
| 3         | Assam            | 8516                             | 86.28                              | 13.60             | 13.60              | 13.60        | -                | 76                           |
| 4         | Bihar            | 1228806                          | 7400.14                            | 5715.97           | 5704.67            | 5704.67      | 11.30            | 69358                        |
| 5         | Chhattisgarh     | 149950                           | 894.00                             | 2703.36           | 2703.36            | 2686.58      | -                | 39768                        |
| 6         | Goa              | 13                               | 0.04                               | 0.00              | 0.00               | 0.00         | -                | 0                            |
| 7         | Gujarat          | 132753                           | 2505.36                            | 3268.65           | 3268.65            | 3268.65      | -                | 39568                        |
| 8         | Haryana          | 597172                           | 6966.55                            | 6075.99           | 6075.99            | 5963.48      | -                | 65915                        |
| 9         | Himachal Pradesh | 245309                           | 2637.33                            | 3913.30           | 3913.30            | 3889.63      | -                | 85372                        |
| 10        | Jharkhand        | 50927                            | 180.52                             | 168.94            | 168.94             | 153.27       | -                | 5145                         |
| 11        | Karnataka        | 1380792                          | 6910.25                            | 79499.95          | 75340.27           | 69732.27     | 4,159.68         | 867992.55                    |
| 12        | Kerala           | 45874                            | 409.98                             | 2657.64           | 2657.64            | 2657.64      | -                | 30128                        |
| 13        | Madhya Pradesh   | 3109268                          | 31221.69                           | 16250.09          | 15541.70           | 15077.87     | 708.39           | 216706                       |
| 14        | Maharashtra      | 1008532                          | 9301.96                            | 23691.63          | 23691.63           | 23560.40     | -                | 112773                       |
| 15        | Meghalaya        | 26                               | 0.30                               | 0.00              | 0.00               | 0.00         | -                | 0                            |
| 16        | Odisha           | 53695                            | 479.69                             | 199.36            | 199.36             | 199.36       | -                | 2054                         |
| 17        | Puducherry       | 8537                             | 26.33                              | 757.24            | 757.21             | 757.21       | 0.03             | 4299                         |
| 18        | Rajasthan        | 2938246                          | 14615.73                           | 24608.42          | 21721.42           | 21380.20     | 2,887.00         | 329362                       |
| 19        | Sikkim           | 574                              | 0.74                               | 10.77             | 10.77              | 10.77        | -                | 225                          |
| 20        | Tamil Nadu       | 1395353                          | 10700.10                           | 347620.04         | 347620.04          | 339487.58    | -                | 1202899                      |
| 21        | Telangana        | 264467                           | 2389.18                            | 1452.39           | 1452.39            | 1452.39      | -                | 13590                        |
| 22        | Tripura          | 10879                            | 24.24                              | 50.00             | 46.00              | 34.00        | 4.00             | 351                          |
| 23        | Uttar Pradesh    | 3103829                          | 20884.72                           | 10433.99          | 10433.99           | 10433.57     | -                | 202367                       |
| 24        | Uttarakhand      | 86328                            | 489.46                             | 1078.32           | 1078.32            | 1078.32      | -                | 11205                        |
| 25        | West Bengal      | 1079871                          | 9757.12                            | 31760.41          | 31760.41           | 31751.09     | -                | 264904                       |
|           | Total            | 17056916                         | 129697.07                          | 587409.65         | 579639.24          | 563382.87    | 7,770.40         | 3652284                      |

KHARIF 2017

| Sl. No.   | State / UT       | Sum of No. of Farmers Enrolled   | Premium Paid by Enrolled farmers   | Received Claims   | Processed Claims   | Claim Paid   | Claims pending   | No. of Beneficiary Farmers   |
|-----------|------------------|----------------------------------|------------------------------------|-------------------|--------------------|--------------|------------------|------------------------------|
|           |                  | No.                              | Rs. In Lakh                        | Rs. In Lakh       | Rs. In Lakh        | Rs. In Lakh  |                  | No.                          |
| 1         | Andhra Pradesh   | 1597435                          | 22897.03                           | 49349.38          | 49045.32           | 48641.18     | 304.06           | 602688                       |
| 2         | Assam            | 51550                            | 459.17                             | 54.18             | 54.18              | 54.18        | -                | 1465                         |
| 3         | Bihar            | 1159543                          | 10543.55                           | 41076.34          | 20077.58           | 20077.58     | 20,998.77        | 109044                       |
| 4         | Chhattisgarh     | 1303808                          | 12817.96                           | 130389.27         | 130389.27          | 130379.30    | -                | 567027                       |
| 5         | Goa              | 537                              | 4.82                               | 0.50              | 0.50               | 0.50         | -                | 22                           |
| 6         | Gujarat          | 1490610                          | 36826.31                           | 104874.90         | 104461.72          | 104004.27    | 413.18           | 406920                       |
| 7         | Haryana          | 639316                           | 12419.00                           | 61428.15          | 61353.02           | 60998.88     | 75.13            | 197150                       |
| 8         | Himachal Pradesh | 125468                           | 285.29                             | 312.06            | 312.06             | 312.06       | -                | 23573                        |
| 9         | Jammu & Kashmir  | 85619.35                         | 546.34                             | 594.90            | 594.90             | 594.90       | -                | 14129                        |
| 10        | Jharkhand        | 1149786                          | 2654.27                            | 3781.84           | 3781.84            | 2726.53      | -                | 117694                       |
| 11        | Karnataka        | 1581497                          | 23552.11                           | 81143.62          | 80898.67           | 72895.04     | 244.95           | 663689                       |
| 12        | Kerala           | 28364                            | 375.53                             | 797.55            | 797.55             | 797.55       | -                | 18989                        |
| 13        | Madhya Pradesh   | 3584684                          | 50805.69                           | 536728.23         | 536177.90          | 530742.30    | 550.33           | 1887724                      |
| 14        | Maharashtra      | 8768211                          | 41988.22                           | 285862.78         | 282823.61          | 282085.33    | 3,039.17         | 4995590                      |
| 15        | Meghalaya        | 2945                             | 100.88                             | 25.00             | 1.26               | 0.00         | 23.74            | 7                            |
| 16        | Odisha           | 1827839                          | 14509.23                           | 172084.70         | 171935.00          | 171935.00    | 149.71           | 739977                       |
| 17        | Rajasthan        | 5417614                          | 24137.84                           | 163252.14         | 158352.51          | 152459.16    | 4,899.63         | 2468618                      |
| 18        | Sikkim           | 793                              | 5.23                               | 0.00              | 0.00               | 0.00         | -                | 0                            |
| 19        | Tamil Nadu       | 146220                           | 2344.24                            | 4783.53           | 4181.46            | 3707.77      | 602.07           | 38400                        |
| 20        | Telangana        | 819390                           | 15898.28                           | 47905.01          | 44665.90           | 42252.23     | 3,239.11         | 351791                       |
| 21        | Tripura          | 2320                             | 12.06                              | 25.78             | 25.78              | 25.78        | -                | 724                          |
| 22        | Uttar Pradesh    | 2499944                          | 18439.97                           | 24889.59          | 24863.35           | 24412.38     | 26.24            | 403662                       |
| 23        | Uttarakhand      | 142226                           | 1092.61                            | 2665.63           | 2665.63            | 2665.63      | -                | 49998                        |
| 24        | West Bengal      | 2350336                          | 11154.01                           | 20957.47          | 19332.95           | 14931.05     | 1,624.52         | 324780                       |
|           | Total            | 34776055                         | 303869.65                          | 1732982.54        | 1696791.94         | 1666698.58   | 36,190.60        | 13983661                     |

|         |                  | RABI 2017-18 Processed Claim Paid Claims pending No. of   | RABI 2017-18 Processed Claim Paid Claims pending No. of   | RABI 2017-18 Processed Claim Paid Claims pending No. of   | RABI 2017-18 Processed Claim Paid Claims pending No. of   | RABI 2017-18 Processed Claim Paid Claims pending No. of   | RABI 2017-18 Processed Claim Paid Claims pending No. of   | RABI 2017-18 Processed Claim Paid Claims pending No. of   |
|---------|------------------|-----------------------------------------------------------|-----------------------------------------------------------|-----------------------------------------------------------|-----------------------------------------------------------|-----------------------------------------------------------|-----------------------------------------------------------|-----------------------------------------------------------|
| Sl. No. | State / UT       | Sum of No. of Farmers Enrolled                            | Premium Paid by Enrolled farmers                          | Received Claims*                                          | Claims                                                    |                                                           |                                                           | Beneficiary Farmers                                       |
|         |                  | No.                                                       | Rs. In Lakh                                               | Rs. In Lakh                                               | Rs. In Lakh                                               | Rs. In Lakh                                               |                                                           | No.                                                       |
| 1       | A & N Islands    | 364                                                       | 0.71                                                      | 0.00                                                      | 0.00                                                      | 0.00                                                      | -                                                         | 0                                                         |
| 2       | Andhra Pradesh   | 247937                                                    | 3544.12                                                   | 11750.39                                                  | 5104.29                                                   | 0.00                                                      | 6,646.10                                                  | 17708                                                     |
| 3       | Assam            | 5320                                                      | 72.30                                                     | 35.00                                                     | 0.00                                                      | 0.00                                                      | 35.00                                                     | 0                                                         |
| 4       | Bihar            | 1099807                                                   | 7240.60                                                   | 8789.99                                                   | 3239.99                                                   | 0.00                                                      | 5,550.00                                                  | 4500                                                      |
| 5       | Chhattisgarh     | 170410                                                    | 1169.43                                                   | 7555.13                                                   | 7185.13                                                   | 6773.39                                                   | 370.00                                                    | 77535                                                     |
| 6       | Goa              | 1                                                         | 0.01                                                      | 0.00                                                      | 0.00                                                      | 0.00                                                      | -                                                         | 0                                                         |
| 7       | Gujarat          | 271219                                                    | 3012.16                                                   | 1041.11                                                   | 1041.02                                                   | 111.24                                                    | 0.09                                                      | 14557                                                     |
| 8       | Haryana          | 714261                                                    | 8429.23                                                   | 8698.64                                                   | 5266.41                                                   | 1493.70                                                   | 3,432.22                                                  | 43677                                                     |
| 9       | Himachal Pradesh | 256547                                                    | 2779.45                                                   | 4626.37                                                   | 3221.16                                                   | 683.57                                                    | 1,405.21                                                  | 54552.6                                                   |
| 10      | Jammu & Kashmir  | 66524                                                     | 353.59                                                    | 513.55                                                    | 334.55                                                    | 334.55                                                    | 179.00                                                    | 10029                                                     |
| 11      | Jharkhand        | 49067                                                     | 196.82                                                    | 80.00                                                     | 0.00                                                      | 0.00                                                      | 80.00                                                     | 0                                                         |
| 12      | Karnataka        | 27810                                                     | 509.83                                                    | 3944.13                                                   | 3458.77                                                   | 2929.12                                                   | 485.36                                                    | 10420                                                     |
| 13      | Kerala           | 27789                                                     | 264.66                                                    | 176.61                                                    | 170.28                                                    | 92.48                                                     | 6.33                                                      | 11544                                                     |
| 14      | Madhya Pradesh   | 3444111                                                   | 42238.76                                                  | 30150.41                                                  | 7066.75                                                   | 1512.82                                                   | 23,083.66                                                 | 82998.565                                                 |
| 15      | Maharashtra      | 1364466                                                   | 9510.56                                                   | 37957.21                                                  | 27752.21                                                  | 15368.93                                                  | 10,205.00                                                 | 48070                                                     |
| 16      | Manipur          | 9109                                                      | 74.66                                                     | 100.00                                                    | 0.00                                                      | 0.00                                                      | 100.00                                                    | 0                                                         |
| 17      | Odisha           | 63487                                                     | 605.50                                                    | 3496.31                                                   | 446.31                                                    | 160.94                                                    | 3,050.00                                                  | 12623                                                     |
| 18      | Rajasthan        | 3174428                                                   | 23209.09                                                  | 23071.11                                                  | 3996.38                                                   | 0.00                                                      | 19,074.73                                                 | 36955                                                     |
| 19      | Sikkim           | 664                                                       | 1.15                                                      | 0.00                                                      | 0.00                                                      | 0.00                                                      | -                                                         | 0                                                         |
| 20      | Tamil Nadu       | 1345770                                                   | 11220.44                                                  | 99369.41                                                  | 21011.02                                                  | 7106.57                                                   | 78,358.39                                                 | 1289741                                                   |
| 21      | Telangana        | 191495                                                    | 2228.01                                                   | 3524.71                                                   | 889.71                                                    | 0.00                                                      | 2,635.00                                                  | 0                                                         |
| 22      | Tripura          | 9354                                                      | 47.26                                                     | 69.73                                                     | 69.73                                                     | 31.75                                                     | -                                                         | 1828                                                      |
| 23      | Uttar Pradesh    | 2821812                                                   | 19995.07                                                  | 10987.11                                                  | 10086.38                                                  | 9672.71                                                   | 900.73                                                    | 136062                                                    |
| 24      | Uttarakhand      | 80345                                                     | 790.06                                                    | 1082.00                                                   | 68.70                                                     | 68.70                                                     | 1,013.30                                                  | 5772                                                      |
| 25      | West Bengal      | 1611177                                                   | 14373.09                                                  | 5369.30                                                   | 3000.61                                                   | 3000.61                                                   | 2368.69                                                   | 88322                                                     |
|         | Total            | 17053274                                                  | 151866.58                                                 | 262388.23                                                 | 103409.41                                                 | 49341.08                                                  | 158978.83                                                 | 1946894                                                   |

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