Lok Sabha Question No. 2344 (UNSTARRED), answered on 2021-03-09
Subject: Difference between PMFBY and RWBCIS
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Margani Bharat

## GOVERNMENT OF INDIA MINISTRY OF AGRICULTURE AND FARMERS WELFARE DEPARTMENT OF AGRICLTURE, COOPERATION AND FAREMRS WELFARE

## LOK SABHA UNSTARRED QUESTION NO.2344

TO BE ANSWERED ON THE 9 TH  MARCH, 2021

## DIFFERENCE BETWEEN PMFBY AND RWBCIS

## 2344.  SHRI MARGANI BHARAT

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

- (a) the details of the difference between Pradhan Mantri Fasal Bima Yojana (PMFBY) and Restructured Weather Based Crop Insurance Scheme (RWBCIS);
- (b) whether it is true that the Government has revamped PMFBY and Restructured Weather Based Crop Insurance Scheme from Kharif 2020;
- (c)  the  number  of  farmers  availing  the  above  schemes,  scheme-wise,  during  the  last  five years and the current year, year-wise and State-wise;
- (d) the reasons why the farmers from some States are not opting for PMFBY; and
- (e) the details of allocations made for PMFBY and RWBCIS in 2021-22?

## ANSWER

## MINISTER OF AGRICULTURE AND FARMERS WELFARE

कृ िष एवं कसान कयाण मंी

(SHRI NARENDRA SINGH TOMAR)

- (a)  :    Pradhan  Mantri  Fasal  Bima  Yojana  (PMFBY)  introduced  in  the  country  from  Kharif 2016 is a yield index based scheme whereas Restructured Weather Based Crop Insurance Scheme (RWBCIS) introduced alongwith with PMFBY is a weather index based scheme.

The  basic  difference  between  the  PMFBY  and  RWBCIS  is  in  its  methodology  for calculation of admissible claims to the farmers.

Under PMFBY, coverage and settlement of claims is made on the basis of shortfall in Actual Yield as compared to the Threshold yield.  Actual Yield is arrived at on the basis of yield  data  based  on  requisite  number  of  Crop  Cutting  Experiments  (CCEs)  in  a  defined Insurance Units (IUs) and submitted by the concerned State Government.  Threshold Yield for a crop in a notified insurance unit is the average yield of best 5 years out of past seven years multiplied by applicable indemnity level for that crop.   Farmers are indemnified to the extent/percentage  of  crop  losses  against  the  defined  Threshold  Yield  multiplied  by  sum insured as notified by the State Government.

On the other hand under RWBCIS, admissible claims are being calculated based on deviation  from  the  prescribed/defined  weather  parameters.      As  per  provisions  of  the RWBCIS,  if  observed  trigger  value  falls  below  or  above  the  notified  trigger  value,  then claims per unit are calculated depending upon index definition given in the term sheet.

Hence,  mainly  food  &  oilseed  and  annual  horticultural/commercial  crops  where requisite  past    yield  data  based  on  authentic/scientific  methodology  is  available,  can  be notified under PMFBY and crops specially perennial/horticultural crops for which yield data based on authentic / statistical methodology is not available can be covered under RWBCIS.

(b) : Yes Sir.

(c)  :  Year-wise  and  State-wise  details  of  farmer  applicants  enrolled  under  PMFBY  and RWBCIS separately since inception of the scheme in Kharif 2016 to Rabi 2020-21 are at Annexure .

(d)  :    The  scheme  has  been  made  voluntary  for  all  farmers  w.e.f.  Kharif  2020  seasons. Therefore,  farmers are free to insure  their  crops as per their risk  perception  provided the crops and area is notified by the concerned State Government/UT Administration.  However, it  is  stated  that  coverage  under  the  scheme  has  increased  to  6  crore  farmer  applications even after withdrawal of scheme by some States.

(e) :  Rs. 16000 crore have been proposed as Budget Estimate 2021-22 for these schemes in the Union Budget.

## Annexure

## Year-wise and State-wise details of farmer applications enrolled under PMFBY and RWBCIS separately since inception of the scheme in Kharif 2016 to Rabi 2020-21

|                  | (Number in Lakh)   | (Number in Lakh)   | (Number in Lakh)   | (Number in Lakh)   | (Number in Lakh)   | (Number in Lakh)   | (Number in Lakh)   | (Number in Lakh)   | (Number in Lakh)   | (Number in Lakh)   |
|------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|
| State/UT Name    | 2016-17            | 2016-17            | 2017-18            | 2017-18            | 2018-19            | 2018-19            | 2019-20            | 2019-20            | 2020-21            | 2020-21            |
| State/UT Name    | PMFBY              | RWBCIS             | PMFBY              | RWBCIS             | PMFBY              | RWBCIS             | PMFBY              | RWBCIS             | PMFBY              | RWBCIS             |
| A & N Islands    | 0.003              | -                  | 0.004              | -                  | 0.007              | -                  | 0.001              | -                  | 0.003              | -                  |
| Andhra Pradesh   | 10.093             | 7.665              | 10.502             | 7.805              | 16.835             | 7.626              | 18.878             | 9.010              | -                  | -                  |
| Assam            | 0.085              | 0.517              | 0.553              | -                  | 0.741              | -                  | 10.407             | -                  | 10.477             | -                  |
| Bihar            | 27.142             | -                  | 23.031             | -                  | -                  | -                  | -                  | -                  | -                  | -                  |
| Chhattisgarh     | 15.424             | 0.067              | 14.637             | 0.106              | 15.542             | 0.162              | 40.106             | 0.244              | 51.256             | 0.304              |
| Goa              | 0.008              | -                  | 0.005              | -                  | 0.003              | -                  | 0.009              | -                  | 0.001              | -                  |
| Gujarat          | 19.802             | -                  | 17.985             | -                  | 21.710             | -                  | 24.810             | -                  | -                  | -                  |
| Haryana          | 13.362             | -                  | 13.417             | -                  | 14.425             | -                  | 16.965             | -                  | 16.019             | -                  |
| Himachal Pradesh | 2.606              | 1.194              | 2.137              | 1.680              | 1.741              | 0.949              | 1.839              | 0.945              | 1.680              | 0.651              |
| Jammu & Kashmir  | -                  | -                  | 1.590              | -                  | 1.537              | -                  | -                  | -                  | -                  | -                  |
| Jharkhand        | 8.793              | -                  | 11.955             | -                  | 12.936             | -                  | 10.928             | -                  | -                  | -                  |
| Karnataka        | 27.682             | 1.783              | 19.327             | 1.533              | 18.066             | 1.793              | 19.958             | 1.633              | 14.206             | 2.362              |
| Kerala           | 0.184              | 0.590              | 0.158              | 0.401              | 0.158              | 0.411              | 0.173              | 0.406              | 0.192              | 0.538              |
| Madhya Pradesh   | 69.447             | 5.161              | 66.004             | 4.276              | 69.996             | 4.200              | 74.818             | 3.222              | 76.303             | -                  |
| Maharashtra      | 116.759            | 2.079              | 101.178            | 1.565              | 144.831            | 3.504              | 140.723            | 4.911              | 119.054            | 4.113              |
| Manipur          | 0.084              | -                  | 0.091              | -                  | 0.015              | -                  | 0.033              | -                  | -                  | -                  |
| Meghalaya        | 0.001              | -                  | 0.031              | -                  | 0.009              | -                  | 0.008              | -                  | 0.001              | -                  |
| Odisha           | 18.202             | -                  | 18.941             | -                  | 20.985             | -                  | 48.776             | -                  | 90.680             | -                  |
| Puducherry       | 0.085              | -                  | -                  | -                  | 0.101              | -                  | 0.120              | -                  | 0.098              | -                  |
| Rajasthan        | 93.105             | 0.442              | 90.829             | 0.264              | 70.934             | 0.960              | 85.186             | 0.801              | 105.660            | 0.506              |
| Sikkim           | 0.006              | -                  | 0.015              | -                  | 0.002              | -                  | 0.0002             | -                  | 0.001              | -                  |
| Tamil Nadu       | 14.632             | -                  | 15.052             | -                  | 24.219             | -                  | 38.604             | -                  | 56.726             | -                  |
| Telangana        | 8.853              | 0.888              | 8.907              | 2.059              | 6.679              | 1.215              | 7.453              | 2.691              | -                  | -                  |
| Tripura          | 0.118              | -                  | 0.117              | -                  | 0.021              | -                  | 0.346              | -                  | 2.529              | -                  |
| Uttar Pradesh    | 72.830             | 0.063              | 54.172             | 0.038              | 61.221             | 0.049              | 47.093             | 0.099              | 41.667             | 0.060              |
| Uttarakhand      | 2.082              | 0.534              | 1.731              | 0.492              | 1.381              | 0.548              | 1.431              | 0.695              | 0.795              | 0.897              |
| West Bengal      | 41.316             | 0.017              | 40.374             | 0.010              | 51.250             | 0.016              | -                  | -                  | -                  | -                  |
| GRAND TOTAL      | 562.7              | 21.0               | 512.7              | 20.2               | 555.3              | 21.4               | 588.7              | 24.7               | 587.3              | 9.4                |

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