Lok Sabha Question No. 195 (STARRED), answered on 2022-12-20
Subject: Small/Marginal Farmers Insured in PMFBY
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Vinayak Bhaurao Raut, Kalaben Mohanbhai Delkar

## GOVERNMENT OF INDIA MINISTRY OF AGRICULTURE AND FARMERS WELFARE DEPARTMENT OF AGRICULTURE AND FARMERS WELFARE

## LOK SABHA STARRED QUESTION NO. 195

TO BE ANSWERED ON THE 20 TH  DECEMBER, 2022

## SMALL/MARGINAL FARMERS INSURED IN PMFBY

† *195.    SHRI VINAYAK RAUT: SHRIMATI DELKAR KALABEN MOHANBHAI:

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

- (a) the number of marginal/small farmers insured under the Pradhan Mantri Fasal Bima Yojana (PMFBY) in the country as of August, 2022, State-wise particularly in Dadra & Nagar Haveli and Daman & Diu;
- (b) the number of insurance claims given by the marginal/small/medium/semi-medium and big farmers in the country particularly in Maharashtra during each of the last three years, State-wise and the action taken by the Government thereon;
- (c) the number  of insurance claims approved and the amount  paid to the marginal/small/medium/ semi-medium and big farmers for the said claims during the said period, State-wise;
- (d) the number of outstanding insurance claims from the last three years till date and the amount to be paid as on date, State-wise; and
- (e) whether the Government is aware of the less participation of the marginal and small farmers in the said Yojana and the steps taken by the Government to ensure crop insurance for the small and marginal farmers particularly in Dadra & Nagar Haveli and Daman & Diu?

## ANSWER

MINISTER OF AGRICULTURE AND FARMERS WELFARE कृ िष एवं कसान कयाण मंी

(SHRI NARENDRA SINGH TOMAR)

- (a) to (e):      A Statement is laid on the Table of the House.

## STATEMENT REFERRED TO PART (a) TO (e) OF LOK SABHA STARRED QUESTION NO.  195  REGARDING  SMALL/MARGINAL  FARMERS  INSURED  IN  PMFBY  FOR REPLY ON 20.12.2022.

(a) to (e):      The Pradhan Mantri Fasal Bima Yojana  (PMFBY) is voluntary for States as well as for  farmers.      States/UTs  are  free  to  subscribe  under  the  scheme  keeping  in  view  their  risk perception and financial considerations etc.     Presently, scheme is not operational in Union Territory of Dadra, Nagar Haveli and Daman and Diu.   Though the scheme was introduced in the country from 2016-17, but collection of granular data of coverage including small and marginal farmers under the scheme on National Crop Insurance Portal (NCIP) was started from 2018-19. The admissible claims to eligible farmers are paid by concerned insurance company directly in the farmer's bank account. The scheme is mainly implemented on Area Approach basis.   The claim intimation by the farmers in wide spread calamities/season-end claims   is not required.   However, losses due to localized risks of hailstorm, landslide, inundation, cloud burst & natural fire and post-harvest losses due to cyclone, cyclonic/unseasonal rains & hailstorms, which are required to be calculated on individual insured farm basis, intimation within 72 hours of loss by farmers is required.    These claims are assessed by a joint committee comprising representatives of State Government and concerned insurance company. Data for medium/semi-medium/big farmers is not maintained on NCIP.    State-wise details of small, marginal and other farmer applications enrolled under the scheme as per data available on NCIP are given in Annexure-I .   State-wise details of claims reported, claims paid and claims outstanding during 2018-19 to 2020-21 under the scheme are given in Annexure-II . As  per  provisions  of  the  scheme,  actuarial/bidded  premium  rate  is  charged  by  the insurance companies.  But the farmer has to pay only a maximum premium of 1.5% and 2% for Rabi and Kharif food and oilseed crops respectively and 5% for commercial/horticultural crops. Remaining part of the actuarial/bidded premium is shared on 50 : 50 basis by the Central and concerned   State Government except in North Eastern States where it is shared in the ratio of 90 : 10. Coverage  of  non-loanee  farmers  under  PMFBY  has  increased  from  5.7%  in  2015-16 under  erstwhile  crop  insurance  scheme  to  36.1%  during  2020-21.        However,  as  per  data available  on  National  Crop  Insurance  Portal,  16.54%    Small  and  67.64%  Marginal  farmer applications  have  been  enrolled    during  Kharif  2020  season  under  PMFBY.    Similarly,  this percentage is 17.38% and 64.54% during Rabi 2020-21 season.    Overall coverage of small and marginal farmers under the scheme is about 85% which approximately corresponds to their ratio in the farmer population.

The PMFBY is mainly implemented on 'Area Approach' basis.   Admissible claims are worked out and paid directly to the insured farmer's account by the insurance companies based on the season-end yield data, furnished to the concerned insurance company by the concerned State Government and claim calculation formula envisaged in the Operational Guidelines of the scheme.

However, losses due to localized risks of hailstorm, landslide, inundation, cloud burst & natural fire and post-harvest losses due to cyclone, cyclonic/unseasonal rains & hailstorms are calculated on individual insured farm basis.   These claims are assessed by a joint committee comprising of  representatives of State Government and concerned insurance company.

Government  has  taken  several  steps  to  create  substantial  awareness  about  the  scheme amongst  beneficiaries  so  that  they  can  enroll  themselves  voluntarily  under  the  scheme.  The Government has made provisions to ensure availability of adequate funds for awareness of PMFBY. The Government has made mandatory for insurance companies to compulsorily spend atleast 0.5% of the total gross premium collected by them for Information, Education and Communication (IEC) activities.

The Government has actively supported the awareness activities being carried out by the States,  implementing  Insurance  Companies,  financial  institutions,  and  Common  Service  Centres (CSCs) network to disseminate key features of PMFBY amongst farmers and members of Panchayati Raj Institutions (PRIs).   Further, structured   awareness campaign 'Crop Insurance Week/Fasal Bima Saptah' has been initiated since Kharif 2021 season onwards.  Along with this, Fasal Bima Pathshalas are also being organized at village/GP level for knowledge building of farmers on various aspects of scheme implementation.  Government had also organized a nationwide Doorstep Crop Insurance Policy/receipt Distribution mega drive - 'Meri Policy Mere Haath' to increase the coverage including acreage under the scheme.

## Details of Small, Marginal and Other Farmer applications from 2018-2020 under PMFBY as on

Annexure-I 30.11.2022

|                   | 2018 -19                                        | 2018 -19                                        | 2018 -19                                        | 2018 -19                                        |
|-------------------|-------------------------------------------------|-------------------------------------------------|-------------------------------------------------|-------------------------------------------------|
| State/UT Name     | Marginal farmer Applications                    | Small farmer Applications                       | Others farmer Applications                      | Grand Total                                     |
| ANDHRA PRADESH    | 378147                                          | 1767970                                         | 315466                                          | 2461583                                         |
| ASSAM             | 21271                                           | 42442                                           | 11090                                           | 74803                                           |
| CHHATTISGARH      | 319209                                          | 938451                                          | 319933                                          | 1577593                                         |
| GOA               | 6                                               | 338                                             | 1                                               | 345                                             |
| HARYANA           | 242993                                          | 933832                                          | 323164                                          | 1499989                                         |
| HIMACHAL PRADESH  | 105140                                          | 137098                                          | 28419                                           | 270657                                          |
| JAMMU AND KASHMIR | 47334                                           | 82239                                           | 25736                                           | 155309                                          |
| JHARKHAND         | 183965                                          | 1101749                                         | 39715                                           | 1325429                                         |
| KERALA            | 14162                                           | 34044                                           | 9854                                            | 58060                                           |
| MADHYA PRADESH    | 1284422                                         | 3876823                                         | 2367947                                         | 7529192                                         |
| KARNATAKA         | State Government maintaining their own portal - | State Government maintaining their own portal - | State Government maintaining their own portal - | State Government maintaining their own portal - |
| GUJARAT           | data not available on NCIP                      | data not available on NCIP                      | data not available on NCIP                      | data not available on NCIP                      |
| MAHARASHTRA       | 2244097                                         | 10998683                                        | 1929216                                         | 15171996                                        |
| ODISHA            | 234331                                          | 1776466                                         | 98044                                           | 2108841                                         |
| PUDUCHERRY        | 134                                             | 170                                             | 6                                               | 310                                             |
| RAJASTHAN         | 1399559                                         | 3455963                                         | 2513346                                         | 7368868                                         |
| SIKKIM            | 135                                             | 93                                              | 13                                              | 241                                             |
| TAMIL NADU        | 314006                                          | 2016789                                         | 222689                                          | 2553484                                         |
| TELANGANA         | 112988                                          | 595056                                          | 98806                                           | 806850                                          |
| TRIPURA           | 417                                             | 1400                                            | 265                                             | 2082                                            |
| UTTAR PRADESH     | 1718967                                         | 3820386                                         | 634105                                          | 6173458                                         |
| UTTARAKHAND       | 42338                                           | 140867                                          | 14567                                           | 197772                                          |
| WEST BENGAL       | 1460133                                         | 3256394                                         | 546522                                          | 5263049                                         |

|                  | 2019-20                                         | 2019-20                                         | 2019-20                                         | 2019-20                                         |
|------------------|-------------------------------------------------|-------------------------------------------------|-------------------------------------------------|-------------------------------------------------|
| State/UT Name    | Marginal Farmer Applications                    | Small Farmer Applications                       | Other Farmer Applications                       | Grand Total                                     |
| ANDHRA PRADESH   | 724026                                          | 2538875                                         | 487900                                          | 3750801                                         |
| ASSAM            | 372302                                          | 635309                                          | 35946                                           | 1043557                                         |
| CHHATTISGARH     | 899203                                          | 2120838                                         | 1017417                                         | 4037458                                         |
| GOA              | 157                                             | 88                                              | 676                                             | 921                                             |
| HARYANA          | 330872                                          | 1047858                                         | 371108                                          | 1749838                                         |
| HIMACHAL PRADESH | 117412                                          | 156842                                          | 18534                                           | 292788                                          |
| JHARKHAND        | 125711                                          | 944636                                          | 39011                                           | 1109358                                         |
| KERALA           | 14385                                           | 42644                                           | 3058                                            | 60087                                           |
| MADHYA PRADESH   | 1150670                                         | 4240719                                         | 2993825                                         | 8385214                                         |
| MAHARASHTRA      | 1441661                                         | 11930524                                        | 1229752                                         | 14601937                                        |
| KARNATAKA        | State Government maintaining their own portal - | State Government maintaining their own portal - | State Government maintaining their own portal - | State Government maintaining their own portal - |
| MANIPUR          | 1430                                            | 1846                                            | 11                                              | 3287                                            |
| MEGHALAYA        | 414                                             | 426                                             | 1                                               | 841                                             |
| ODISHA           | 793087                                          | 3735670                                         | 356560                                          | 4885317                                         |
| PUDUCHERRY       | 151                                             | 23561                                           | 43                                              | 23755                                           |
| RAJASTHAN        | 1607490                                         | 4140650                                         | 2935745                                         | 8683885                                         |
| SIKKIM           | 0                                               | 21                                              | 0                                               | 21                                              |
| TAMIL NADU       | 472211                                          | 3171441                                         | 260184                                          | 3903836                                         |
| TELANGANA        | 230162                                          | 711410                                          | 102712                                          | 1044284                                         |
| TRIPURA          | 4083                                            | 30705                                           | 2763                                            | 37551                                           |
| UTTAR PRADESH    | 1699418                                         | 2643926                                         | 390045                                          | 4733389                                         |
| UTTARAKHAND      | 47574                                           | 156010                                          | 10521                                           | 214105                                          |

| 2020                      | 2020                         | 2020                      | 2020                      | 2020        |
|---------------------------|------------------------------|---------------------------|---------------------------|-------------|
| State/UT Name             | Marginal Farmer Applications | Small Farmer Applications | Other Farmer Applications | Grand Total |
| ANDHRA PRADESH            | NI                           | NI                        | NI                        | 0           |
| ANDAMAN & NICOBAR ISLANDS | 1                            | 338                       | 0                         | 339         |
| ASSAM                     | 587473                       | 1370131                   | 39106                     | 1996710     |
| CHHATTISGARH              | 1096057                      | 2736347                   | 1347295                   | 5179699     |
| GOA                       | 42                           | 27                        | 15                        | 84          |
| HARYANA                   | 338514                       | 958198                    | 364075                    | 1660787     |
| HIMACHAL PRADESH          | 93648                        | 139379                    | 15491                     | 248518      |
| KERALA                    | 20272                        | 54132                     | 2488                      | 76892       |
| MADHYA PRADESH            | 1156905                      | 4389510                   | 2924241                   | 8470656     |
| MAHARASHTRA               | 1270275                      | 10231092                  | 907667                    | 12409034    |
| GUJARAT                   |                              | State Government          | maintaining their         | portal -    |
| MANIPUR                   |                              | 15                        |                           | 15          |
| MEGHALAYA                 | 126                          | 4                         |                           | 130         |
| ODISHA                    | 1545382                      | 7730292                   | 481562                    | 9757236     |
| PUDUCHERRY                | 224                          | 10611                     | 226                       | 11061       |
| RAJASTHAN                 | 2085160                      | 5263121                   | 3445462                   | 10793743    |
| SIKKIM                    | 33                           | 48                        | 4                         | 85          |
| TAMIL NADU                | 595686                       | 5126102                   | 248826                    | 5970614     |
| TRIPURA                   | 23861                        | 224299                    | 13587                     | 261747      |
| UTTAR PRADESH             | 1469580                      | 2366161                   | 374829                    | 4210570     |
| UTTARAKHAND               | 31800                        | 135738                    | 3885                      | 171423      |
| TELANGANA                 | NI                           |                           |                           | 0           |

Details of  State Wise Reported Claims, Paid claims and Pending Claims from 2018-2020 year under PMFBY

## Annexure-II

|                  | 2018-19         | 2018-19        | 2018-19        | 2019-20         | 2019-20        | 2019-20        | 2020            | 2020           | 2020           |
|------------------|-----------------|----------------|----------------|-----------------|----------------|----------------|-----------------|----------------|----------------|
| State/UT Name    | Reported Claims | Paid Claims    | Pending Claims | Reported Claims | Paid Claims    | Pending Claims | Reported Claims | Paid Claims    | Pending Claims |
|                  | (Rs. in crore)  | (Rs. in crore) | (Rs. in crore) | (Rs. in crore)  | (Rs. in crore) | (Rs. in crore) | (Rs. in crore)  | (Rs. in crore) | (Rs. in crore) |
| A & N Islands    | 0.09            | 0.09           | 0.00           | 0.00            | 0.00           | 0.00           | 0.00            | 0.00           | 0.00           |
| Andhra Pradesh   | 1895.59         | 1890.37        | 5.21           | 1258.34         | 1253.33        | 5.01           | NI              | NI             | NI             |
| Assam            | 2.68            | 2.68           | 0.00           | 93.32           | 92.27          | 1.05           | 161.15          | 154.24         | 6.91           |
| Chhattisgarh     | 1086.97         | 1086.97        | 0.00           | 1318.17         | 1302.08        | 16.10          | 890.38          | 883.99         | 6.39           |
| Goa              | 0.10            | 0.10           | 0.00           | 0.01            | 0.01           | 0.00           | 0.00            | 0.00           | 0.00           |
| Gujarat          | 2778.06         | 2777.88        | 0.18           | 369.45          | 111.68         | 257.76         | NI              | NI             | NI             |
| Haryana          | 948.29          | 948.07         | 0.22           | 936.89          | 935.56         | 1.33           | 1279.07         | 1156.76        | 122.31         |
| Himachal Pradesh | 55.01           | 55.01          | 0.00           | 67.54           | 67.50          | 0.03           | 51.46           | 46.24          | 5.22           |
| Jammu & Kashmir  | 27.38           | 23.64          | 3.74           | NI              | NI             | NI             | NI              | NI             | NI             |
| Jharkhand        | 684.96          | 19.82          | 665.14         | 27.76           | 0.00           | 27.76          | NI              | NI             | NI             |
| Karnataka        | 2970.55         | 2953.62        | 16.92          | 1298.70         | 1209.80        | 88.89          | 1022.03         | 1018.54        | 3.50           |
| Kerala           | 26.77           | 26.77          | 0.00           | 88.92           | 88.92          | 0.00           | 115.79          | 115.79         | 0.00           |
| Madhya Pradesh   | 3782.52         | 3781.55        | 0.97           | 6247.38         | 6188.22        | 59.16          | 7780.48         | 7780.48        | 0.00           |
| Maharashtra      | 6149.15         | 6140.97        | 8.18           | 6758.27         | 6747.95        | 10.32          | 1406.19         | 1145.97        | 260.23         |
| Manipur          | 0.00            | 0.00           | 0.00           | 1.14            | 1.14           | 0.00           | 0.00            | 0.00           | 0.00           |
| Meghalaya        | 0.22            | 0.22           | 0.00           | 0.00            | 0.00           | 0.00           | 0.07            | 0.06           | 0.01           |
| Odisha           | 1170.50         | 1170.50        | 0.00           | 1170.01         | 1157.93        | 12.08          | 572.52          | 571.41         | 1.10           |
| Puducherry       | 0.45            | 0.45           | 0.00           | 7.35            | 7.13           | 0.22           | 15.81           | 0.00           | 15.81          |
| Rajasthan        | 3460.38         | 3457.48        | 2.91           | 5005.86         | 4993.05        | 12.81          | 4321.39         | 4311.87        | 9.51           |
| Sikkim           | 0.00            | 0.00           | 0.00           | 0.00            | 0.00           | 0.00           | 0.02            | 0.02           | 0.00           |
| Tamil Nadu       | 2663.90         | 2663.90        | 0.01           | 1233.64         | 1214.00        | 19.64          | 2602.97         | 2595.63        | 7.35           |
| Telangana        | 601.47          | 570.52         | 30.95          | 509.26          | 509.26         | 0.00           | NI              | NI             | NI             |
| Tripura          | 0.02            | 0.02           | 0.00           | 0.81            | 0.80           | 0.01           | 2.17            | 2.17           | 0.00           |
| Uttar Pradesh    | 469.17          | 469.17         | 0.00           | 1106.76         | 1084.56        | 22.20          | 509.36          | 506.99         | 2.37           |
| Uttarakhand      | 72.38           | 72.38          | 0.00           | 103.24          | 103.24         | 0.00           | 135.45          | 134.85         | 0.60           |
| West Bengal      | 539.56          | 535.73         | 3.83           | NI              | NI             | NI             | NI              | NI             | NI             |

0 due to reasons of (i) low claims (ii) claims not reported.

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