Lok Sabha Question No. 1071 (UNSTARRED), answered on 2022-02-08
Subject: Premiums under PMFBY
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Gyaneshwar Patil, Mimi Chakraborty

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

## LOK SABHA

## UNSTARRED QUESTION No.1071

TO BE ANSWERED ON 08 TH  FEBRUARY, 2022

## PREMIUMS UNDER PMFBY

1071. SHRI GYANESHWAR PATIL: MS. MIMI CHAKRABORTY:

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

(a)  the details of premium paid to farmers and the total premium collected under the Pradhan Mantri Fasal Bima Yojana (PMFBY) during the last five years, State-wise; (b)  the present status of the premium claims being provided under PMFBY to the farmers in Khandwa  Parliamentary  Constituency  during  the  last  two  years  as  the  same  is  agricultural based area where good quality crops of banana, cotton, soyabean, sugarcane, chilly, turmeric, corn, pulses and oilseeds are grown; (c)   the total value of claims made by the farmers from the States and the total value of claims lying pending therefor; (d)   the average time taken in the settlement of such claims thereof and the steps being taken by the Government to ensure and release the claims of PMFBY therein; and (e)   the steps taken by the Government for redressal of problems being faced by the farmers

- under the PMFBY?

## ANSWER

## MINISTER OF AGRICULTURE AND FARMERS WELFARE

कृ ष एवं कसान कयाण मंी (SHRI NARENDRA SINGH TOMAR)

(a) to (c) : The Pradhan Mantri Fasal Bima Yojana (PMFBY) is being implemented from Kharif 2016 in  the  country  and  claims  are  worked  out  and  settled  by  insurance  companies  as  per provisions  of  the  scheme.        State-wise  details  of  premium  paid  by  farmers,  total  premium, claims reported, claims paid and claims pending since inception of the scheme in 2016-17 till 2020-21 for the crops notified by the States under PMFBY are given in Annexure.

Claims are worked out insurance unit area wise for the notified crops.  Parliamentary Constituency-wise details are not maintained.

(d) & (e) : The admissible claims under the Pradhan Mantri Fasal Bima Yojana (PMFBY) are generally paid by the concerned insurance companies within two months of completion of Crop Cutting Experiments (CCEs)/harvesting period and one month of notification for invoking the risks/perils  of  prevented  sowing,  mid-season  adversity  and  post  harvest  losses  subject  to receipt of total share of premium subsidy from concerned Government within time.  However, settlement of few claims in some States got delayed due to reasons like delayed transmission of  yield  data;  late  release  of  their  share  in  premium  subsidy,  yield  related disputes  between insurance companies and States, non-receipt of account details of some farmers for transfer of claims to the bank account of eligible farmers and National Electronic Fund Transfer (NEFT) related  issues,  erroneous/incomplete  entry  of  individual  farmers  data  on  National  Crop Insurance Portal (NCIP), delay in remittance of farmers share of premium/non-remittance of farmers share of premium to concerned insurance company etc.

Further,  insurance  companies  have  to  pay  penal  interest  @12%  per  annum  to  the farmers for the period beyond the stipulated period in the PMFBY Guidelines from the date of receipt of final yield data from the State Government and completion of crop damage survey. Stratified Grievance Redressal System starting from block level to district level and State level has been included in the Operational Guidelines of PMFBY.  Accordingly, most of the PMFBY implementing States have notified the constitution of Block level/District level and State level Grievance Redressal Committees under the Scheme to dispose off the grievance as per given time frame.

This  Department  is  also  regularly  reviewing  the  schemes  in  consultation  with  State Governments and other stakeholders to streamline the process for early settlement of claims and to provide timely and adequate benefits to the eligible farmers under the scheme.

Annexure

| PMFBY - State-wise details of premium collected and claims paid during last five years pas on   | PMFBY - State-wise details of premium collected and claims paid during last five years pas on   | PMFBY - State-wise details of premium collected and claims paid during last five years pas on   | PMFBY - State-wise details of premium collected and claims paid during last five years pas on   | PMFBY - State-wise details of premium collected and claims paid during last five years pas on   | PMFBY - State-wise details of premium collected and claims paid during last five years pas on   |
|-------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------|
| State/UT Name                                                                                   | Farmers Share in Premium                                                                        | 31.01.2022 Gross Premium                                                                        | Reported Claims                                                                                 | Paid Claims                                                                                     | Claims Outstanding as per Reported Claims                                                       |
| Rs. in crore                                                                                    | Rs. in crore                                                                                    | Rs. in crore                                                                                    | Rs. in crore                                                                                    | Rs. in crore                                                                                    | Rs. in crore                                                                                    |
| 2016-17                                                                                         | 2016-17                                                                                         | 2016-17                                                                                         | 2016-17                                                                                         | 2016-17                                                                                         | 2016-17                                                                                         |
| A & N Islands                                                                                   | 0.002                                                                                           | 0.02                                                                                            | 0.1                                                                                             | 0.1                                                                                             | -                                                                                               |
| Andhra Pradesh                                                                                  | 199.8                                                                                           | 803.6                                                                                           | 944.3                                                                                           | 944.3                                                                                           | -                                                                                               |
| Assam                                                                                           | 5.0                                                                                             | 8.6                                                                                             | 5.4                                                                                             | 5.4                                                                                             | -                                                                                               |
| Bihar                                                                                           | 204.6                                                                                           | 1,416.0                                                                                         | 347.8                                                                                           | 347.8                                                                                           | -                                                                                               |
| Chhattisgarh                                                                                    | 121.7                                                                                           | 289.3                                                                                           | 160.0                                                                                           | 160.0                                                                                           | -                                                                                               |
| Goa                                                                                             | 0.1                                                                                             | 0.1                                                                                             | 0.03                                                                                            | 0.03                                                                                            | -                                                                                               |
| Gujarat                                                                                         | 243.2                                                                                           | 2,274.6                                                                                         | 1,267.2                                                                                         | 1,267.2                                                                                         | -                                                                                               |
| Haryana                                                                                         | 196.5                                                                                           | 363.4                                                                                           | 298.1                                                                                           | 298.1                                                                                           | -                                                                                               |
| Himachal Pradesh                                                                                | 31.1                                                                                            | 71.7                                                                                            | 45.3                                                                                            | 45.3                                                                                            | -                                                                                               |
| Jharkhand                                                                                       | 39.6                                                                                            | 271.4                                                                                           | 31.1                                                                                            | 31.1                                                                                            | -                                                                                               |
| Karnataka                                                                                       | 235.2                                                                                           | 1,332.7                                                                                         | 2,093.8                                                                                         | 2,093.8                                                                                         | -                                                                                               |
| Kerala                                                                                          | 7.2                                                                                             | 33.1                                                                                            | 43.7                                                                                            | 43.7                                                                                            | 0.004                                                                                           |
| Madhya Pradesh                                                                                  | 723.9                                                                                           | 3,778.0                                                                                         | 2,043.8                                                                                         | 2,043.8                                                                                         | -                                                                                               |
| Maharashtra                                                                                     | 682.6                                                                                           | 4,596.5                                                                                         | 2,317.9                                                                                         | 2,317.9                                                                                         | -                                                                                               |
| Manipur                                                                                         | 0.7                                                                                             | 3.6                                                                                             | 2.0                                                                                             | 2.0                                                                                             | -                                                                                               |
| Meghalaya                                                                                       | 0.01                                                                                            | 0.04                                                                                            | 0.03                                                                                            | 0.03                                                                                            | -                                                                                               |
| Odisha                                                                                          | 142.6                                                                                           | 539.1                                                                                           | 432.7                                                                                           | 432.7                                                                                           | -                                                                                               |
| Puducherry                                                                                      | 0.2                                                                                             | 2.9                                                                                             | 7.6                                                                                             | 7.6                                                                                             | -                                                                                               |
| Rajasthan                                                                                       | 376.4                                                                                           | 2,546.1                                                                                         | 1,917.4                                                                                         | 1,917.4                                                                                         | -                                                                                               |
| Sikkim                                                                                          | 0.01                                                                                            | 0.01                                                                                            | 0.1                                                                                             | 0.1                                                                                             | -                                                                                               |
| Tamil Nadu                                                                                      | 113.4                                                                                           | 1,171.2                                                                                         | 3,645.5                                                                                         | 3,645.5                                                                                         | -                                                                                               |
| Telangana                                                                                       | 96.5                                                                                            | 274.9                                                                                           | 179.6                                                                                           | 179.6                                                                                           | -                                                                                               |
| Tripura                                                                                         | 0.3                                                                                             | 0.4                                                                                             | 0.7                                                                                             | 0.7                                                                                             | -                                                                                               |
| Uttar Pradesh                                                                                   | 529.4                                                                                           | 1,170.7                                                                                         | 574.6                                                                                           | 574.6                                                                                           | -                                                                                               |
| Uttarakhand                                                                                     | 19.6                                                                                            | 41.6                                                                                            | 27.5                                                                                            | 27.5                                                                                            | 0.003                                                                                           |
| West Bengal                                                                                     | 115.3                                                                                           | 708.2                                                                                           | 421.7                                                                                           | 421.7                                                                                           | -                                                                                               |
| GRAND TOTAL                                                                                     | 4,085                                                                                           | 21,698                                                                                          | 16,808                                                                                          | 16,808                                                                                          | 0                                                                                               |
| 2017-18                                                                                         | 2017-18                                                                                         | 2017-18                                                                                         | 2017-18                                                                                         | 2017-18                                                                                         | 2017-18                                                                                         |
| A & N Islands                                                                                   | 0.002                                                                                           | 0.03                                                                                            | -                                                                                               | -                                                                                               | -                                                                                               |
| Andhra Pradesh                                                                                  | 248.8                                                                                           | 1,272.1                                                                                         | 743.7                                                                                           | 740.1                                                                                           | 3.7                                                                                             |
| Assam                                                                                           | 5.1                                                                                             | 11.9                                                                                            | 1.2                                                                                             | 1.2                                                                                             | 0.002                                                                                           |
| Bihar                                                                                           | 179.3                                                                                           | 1,028.8                                                                                         | 401.5                                                                                           | 401.5                                                                                           | -                                                                                               |
| Chhattisgarh                                                                                    | 132.9                                                                                           | 361.9                                                                                           | 1,391.4                                                                                         | 1,391.4                                                                                         | -                                                                                               |
| Goa                                                                                             | 0.05                                                                                            | 0.1                                                                                             | 0.01                                                                                            | 0.01                                                                                            | -                                                                                               |
| Gujarat                                                                                         | 385.7                                                                                           | 3,014.3                                                                                         | 1,076.7                                                                                         | 1,075.8                                                                                         | 0.9                                                                                             |
| Haryana                                                                                         | 207.8                                                                                           | 452.1                                                                                           | 896.2                                                                                           | 896.2                                                                                           | -                                                                                               |
| Himachal Pradesh                                                                                | 30.5                                                                                            | 77.5                                                                                            | 64.7                                                                                            | 64.7                                                                                            | -                                                                                               |
| Jammu & Kashmir                                                                                 | 8.8                                                                                             | 40.5                                                                                            | 9.8                                                                                             | 9.8                                                                                             | -                                                                                               |
| Jharkhand                                                                                       | 28.3                                                                                            | 211.9                                                                                           | 47.2                                                                                            | 47.2                                                                                            | -                                                                                               |

| Karnataka        | 234.5   | 1,799.1   | 856.8   | 856.8   | -       |
|------------------|---------|-----------|---------|---------|---------|
| Kerala           | 6.3     | 25.9      | 11.0    | 11.0    | -       |
| Madhya Pradesh   | 795.7   | 4,663.2   | 5,880.4 | 5,880.4 | -       |
| Maharashtra      | 503.9   | 4,136.3   | 3,295.3 | 3,295.2 | 0.2     |
| Manipur          | 0.7     | 1.9       | 0.7     | 0.7     | -       |
| Meghalaya        | 0.6     | 0.7       | 0.02    | 0.02    | -       |
| Odisha           | 145.3   | 820.4     | 1,820.2 | 1,818.6 | 1.6     |
| Rajasthan        | 502.1   | 2,704.4   | 2,241.7 | 2,241.7 | -       |
| Sikkim           | 0.1     | 0.1       | 0.04    | 0.04    | -       |
| Tamil Nadu       | 125.9   | 1,277.7   | 2,087.7 | 2,086.1 | 1.6     |
| Telangana        | 187.1   | 670.4     | 648.5   | 648.5   | -       |
| Tripura          | 0.6     | 0.7       | 1.0     | 1.0     | -       |
| Uttar Pradesh    | 375.4   | 1,322.1   | 380.9   | 380.9   | -       |
| Uttarakhand      | 18.8    | 69.1      | 39.5    | 39.5    | -       |
| West Bengal      | 79.0    | 642.2     | 261.6   | 261.1   | 0.5     |
| GRAND TOTAL      | 4,203   | 24,605    | 22,158  | 22,149  | 8       |
| 2018-19          | 2018-19 | 2018-19   | 2018-19 | 2018-19 | 2018-19 |
| A & N Islands    | 0.01    | 0.2       | 0.1     | 0.01    | 0.1     |
| Andhra Pradesh   | 261.8   | 1,094.0   | 1,895.6 | 1,890.4 | 5.2     |
| Assam            | 1.9     | 13.2      | 2.8     | 2.8     | 0.003   |
| Chhattisgarh     | 160.9   | 888.9     | 1,085.9 | 1,085.9 | 0.0002  |
| Goa              | 0.03    | 0.03      | 0.1     | 0.1     | -       |
| Gujarat          | 402.6   | 3,141.4   | 2,778.1 | 2,777.9 | 0.2     |
| Haryana          | 238.0   | 841.1     | 948.3   | 947.8   | 0.4     |
| Himachal Pradesh | 29.7    | 79.4      | 55.0    | 55.0    | 0.0001  |
| Jammu & Kashmir  | 16.9    | 76.9      | 27.4    | 27.4    | -       |
| Jharkhand        | 4.5     | 397.4     | 684.9   | 51.0    | 634.0   |
| Karnataka        | 225.4   | 1,802.9   | 2,950.6 | 2,950.1 | 0.6     |
| Kerala           | 6.2     | 35.9      | 26.7    | 26.7    | 0.004   |
| Madhya Pradesh   | 921.0   | 5,499.1   | 3,777.3 | 3,776.3 | 1.0     |
| Maharashtra      | 791.7   | 6,117.5   | 6,153.1 | 6,147.9 | 5.2     |
| Manipur          | 0.1     | 0.2       | 0.001   | 0.001   | -       |
| Meghalaya        | 0.1     | 0.1       | 0.2     | 0.2     | -       |
| Odisha           | 172.7   | 1,112.3   | 1,170.5 | 1,170.5 | -       |
| Puducherry       | -       | 2.7       | 0.5     | 0.5     | -       |
| Rajasthan        | 616.9   | 3,621.1   | 3,466.6 | 3,462.0 | 4.6     |
| Sikkim           | 0.03    | 0.03      | 0.002   | 0.002   | -       |
| Tamil Nadu       | 151.6   | 1,567.4   | 2,662.7 | 2,662.7 | -       |
| Telangana        | 156.0   | 545.4     | 587.4   | 148.9   | 438.4   |
| Tripura          | 0.05    | 0.1       | 0.02    | 0.02    | -       |
| Uttar Pradesh    | 399.9   | 1,418.9   | 469.2   | 469.2   | -       |
| Uttarakhand      | 21.0    | 75.1      | 72.4    | 72.4    | -       |
| West Bengal      | 111.1   | 718.4     | 539.6   | 535.7   | 3.8     |
| GRAND TOTAL      | 4,690   | 29,050    | 29,355  | 28,261  | 1,093   |
| 2019-20          | 2019-20 | 2019-20   | 2019-20 | 2019-20 | 2019-20 |
| A & N Islands    | 0.002   | 0.03      | 0.001   | -       | 0.001   |
| Andhra Pradesh   | 0.2     | 1,474.7   | 1,258.4 | 1,252.6 | 5.8     |
| Assam            | 57.1    | 142.4     | 21.3    | -       | 21.3    |

| Chhattisgarh     | 180.9       | 1,245.8     | 1,314.6             | 1,296.6             | 18.0                |
|------------------|-------------|-------------|---------------------|---------------------|---------------------|
| Goa              | 0.02        | 0.04        | 0.01                | 0.01                | -                   |
| Gujarat          | 468.0       | 3,615.0     | 369.4               | 111.7               | 257.8               |
| Haryana          | 268.7       | 1,221.5     | 933.6               | 929.4               | 4.2                 |
| Himachal Pradesh | 30.7        | 83.1        | 67.5                | 66.6                | 0.9                 |
| Jharkhand        | 2.8         | 356.0       | 25.5                | -                   | 25.5                |
| Karnataka        | 253.5       | 2,273.6     | 1,576.0             | 1,353.0             | 223.0               |
| Kerala           | 6.1         | 72.5        | 85.9                | 85.9                | 0.0001              |
| Madhya           | 653.1       | 3,908.5     | 5,898.8             | 5,861.3             | 37.5                |
| Maharashtra      | 868.4       | 6,353.8     | 6,757.4             | 6,748.5             | 8.9                 |
| Manipur          | 0.3         | 1.3         | 1.1                 | 1.1                 | 0.0003              |
| Meghalaya        | 0.1         | 0.1         | 0.2                 | 0.2                 | -                   |
| Odisha           | 240.0       | 2,116.8     | 1,170.1             | 1,152.8             | 17.3                |
| Puducherry       | -           | 4.2         | 7.2                 | 6.2                 | 0.9                 |
| Rajasthan        | 734.7       | 5,060.1     | 4,921.9             | 4,912.5             | 9.4                 |
| Sikkim           | 0.002       | 0.002       | -                   | -                   | -                   |
| Tamil Nadu       | 177.3       | 1,957.4     | 1,168.6             | 1,136.5             | 32.1                |
| Telangana        | 239.5       | 880.8       | 512.8               | -                   | 512.8               |
| Tripura          | 0.8         | 1.1         | 0.8                 | 0.8                 | 0.01                |
| Uttar Pradesh    | 321.8       | 1,260.7     | 1,106.7             | 1,082.7             | 24.0                |
| Uttarakhand      | 28.2        | 113.7       | 103.2               | 103.2               | 0.02                |
| GRAND TOTAL      | 4,532       | 32,143      | 27,301              | 26,102              | 1,199               |
| 2020-21          | 2020-21     | 2020-21     | 2020-21             | 2020-21             | 2020-21             |
| A & N Islands    | 0.01        | 0.2         | -                   | -                   | -                   |
| Assam            | 0.1         | 357.1       | Claims not reported | Claims not reported | Claims not reported |
| Chhattisgarh     | 188.9       | 1,465.0     | 887.2               | 871.4               | 15.8                |
| Goa              | 0.004       | 0.01        | -                   | -                   | -                   |
| Haryana          | 338.6       | 1,309.2     | 1,127.5             | 1,121.2             | 6.3                 |
| Himachal Pradesh | 22.4        | 102.3       | 47.5                | 20.0                | 27.6                |
| Karnataka        | 217.6       | 2,073.8     | 852.0               | 831.8               | 20.2                |
| Kerala           | 6.7         | 83.2        | 103.0               | 70.0                | 33.0                |
| Madhya Pradesh   | 888.8       | 7,064.4     | Claims not reported | Claims not reported | Claims not reported |
| Maharashtra      | 763.1       | 6,494.0     | 1,382.7             | 1,124.0             | 258.7               |
| Manipur          | No Coverage | No Coverage | No Coverage         | No Coverage         | No Coverage         |
| Meghalaya        | 0.04        | 0.04        | -                   | -                   | -                   |
| Odisha           | 158.4       | 1,438.1     | 551.2               | 547.0               | 4.2                 |
| Puducherry       | 0.001       | 3.7         | 16.3                | -                   | 16.3                |
| Rajasthan        | 904.2       | 6,357.9     | 4,072.2             | 4,003.3             | 69.0                |
| Sikkim           | 0.01        | 0.01        | 0.02                | 0.02                | -                   |
| Tamil Nadu       | 168.3       | 3,028.7     | 1,764.0             | 1,682.6             | 81.3                |
| Tripura          | 0.2         | 6.3         | 2.2                 | 2.2                 | -                   |
| Uttar Pradesh    | 330.3       | 1,612.8     | 492.3               | 486.4               | 5.9                 |
| Uttarakhand      | 33.3        | 164.4       | 134.9               | 116.2               | 18.7                |
| GRAND TOTAL      | 4,021       | 31,561      | 11,433              | 10,876              | 557                 |

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