Lok Sabha Question No. 2271 (UNSTARRED), answered on 2022-03-15
Subject: States Opting out of PMFBY
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Uttam Kumar Nalamada Reddy

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

## LOK SABHA UNSTARRED QUESTION NO. 2271

TO BE ANSWERED ON THE 15 TH  MARCH, 2022

## STATES OPTING OUT OF PMFBY

2271.   SHRI UTTAM KUMAR REDDY NALAMADA:

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

(a)  the  States  which  have  opted  out  of  the  Pradhan  Mantri  Fasal  Bima Yojana (PMFBY) and the reasons therefor;

(b)  the  States  which  have  started  their  own  schemes  for  crop  insurance in place of PMFBY;

(c) the States in which the farmers are without any Government scheme of crop  insurance  in  2020-21  and  2021-22  because  of  lack  of  notification  of either  PMFBY  or  an  alternative  crop  insurance  scheme  by  the  State Government;

(d)  the  number  of  farmers and  the  area  covered  by  PMFBY for  Kharif  and Rabi seasons respectively during the last three years, year/State-wise along with the percentage of total farmers and total acres respectively; and

(e) the plans of the Government to insure more farmers and to address the drastic  fall  in  the  number  of  farmers  covered  by  crop  insurance  while  its original target was to increase coverage to 50% within three years?

## ANSWER

MINISTER OF AGRICULTURE AND FARMERS WELFARE

कृ िष एवं कसान कयाण मंी

(SHRI NARENDRA SINGH TOMAR)

(a) to (e) : The Pradhan Mantri Fasal Bima Yojana (PMFBY) was introduced in  the  country  from  Kharif  2016  season.      The  PMFBY  is  available  for  all States/UTs  and  is  voluntary  for  them.      States/UTs    are  free  to  subscribe under  the scheme  keeping  in  view  their risk perception and  financial considerations etc.   The scheme is also voluntary for the farmers to enroll themselves as per their risk perception.    Since  inception of the  scheme  in Kharif 2016, 27 States/Union Territories implemented the PMFBY in one or more seasons. States/UTs of Andhra Pradesh, Bihar, Telangana, Jharkhand,  West  Bengal  and  Gujarat  have  opted  out  of  the  scheme  after implementing it for some seasons.  Following States are implementing their own assistance/crop insurance schemes for their farmers:

| State          | Name of Scheme                     |
|----------------|------------------------------------|
| Andhra Pradesh | Dr. YSR Free Crop Insurance Scheme |
| Bihar          | Bihar Rajya Fasal Sahayata Yojana  |
| Gujarat        | Mukhyamantri Sahay Yojana          |
| Jharkhand*     | Jharkhand Fasal Rahat Yojana       |
| West Bengal    | Bangla Shashya Bima                |

Besides  above,  State  Government  of  Kerala  and  Goa  are  also implementing  their  own  schemes  namely,  Kerala  State  Crop  Insurance Scheme  and  Shetkari  Aadhar  Nidhi  respectively  for  few  crops  including plantation crops alongwith PMFBY/RWBCIS.

State-wise  and  season-wise  details  of  farmer  applications  enrolled, area insured and percentage of Gross Cropped area covered  since 2019-20 till 2021-22 are given in Annexure.

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 provision to ensure availability of adequate  funds for awareness  of  PMFBY.  The  revised Operational Guidelines  for  PMFBY which came into  effect from  1 st October 2018 have inter-alia provided that the insurance companies should 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  CSC  network  to  disseminate  key  features  of  PMFBY amongst farmers and members of Panchayati Raj Institutions (PRIs).

Further, a structured awareness campaign 'Crop Insurance Week/Fasal  Bima  Saptah'  was  initiated  by  the  Ministry  of  Agriculture  and Farmers Welfare since Kharif 2021 and Rabi 2021-22 seasons under Azadi Ka  Amrit  Mahotsav.  The  core  focus  of  the  campaign  is  to  increase  the awareness about benefits of the scheme, sensitize the stakeholders and to increase  overall  enrolment  of  farmers,  thereby  helping  them  to  reap  the benefits  of  crop  insurance  with  special  focus  on  identified  aspirational/tribal districts.

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.

Apart from this, other activities for awareness generations involve the publicity of key features and benefits of the scheme through advertisements in  leading  National  and  local  newspapers,  airing  of  audio-visual  spots  on regional  /  local  channels,  distribution  of  IEC  material  in  local  languages, dissemination of SMS through Kisan / NCIP portal and organisation of online workshops  of  all  stakeholders  including  farmers,  Panchayat  Members,  and other key stakeholders.

Government is also organizing a nationwide Doorstep Crop Insurance Policy/receipt  Distribution  mega  drive  -  'Meri  Policy  Mere  Haath'  from 26.02.2022. Hard copies of crop insurance policy receipts are being distributed to farmers enrolled under PMFBY through special camps at gram Panchayat/village  level.  All  implementing  State/UT  Governments  along  with respective insurance companies have been organizing Gram Panchayat level mega policy distribution drive.

## Annexure

| State-wise State/UT Name   | Kharif 2019                         | Kharif 2019            | Rabi 2019-20                         | Rabi 2019-20           | 2019-20 Total                       | 2019-20 Total          | as on 09.03.2022 Total Operational Holdings (Lakh)   | Gross Cropped Area (Lakh ha) (2016-17)   |
|----------------------------|-------------------------------------|------------------------|--------------------------------------|------------------------|-------------------------------------|------------------------|------------------------------------------------------|------------------------------------------|
| State-wise State/UT Name   | Farmers Applications Insured (Lakh) | Area Insured (Lakh ha) | Farmers Applicatio ns Insured (Lakh) | Area Insured (Lakh ha) | Farmers Applications Insured (Lakh) | Area Insured (Lakh ha) | (2015-16)                                            | Gross Cropped Area (Lakh ha) (2016-17)   |
| A & N Islands              | 0.0004                              | 0.0003                 | 0.001                                | 0.0003                 | 0.001                               | 0.001                  | 0.1                                                  | 0.4                                      |
| Andhra Pradesh             | 27.9                                | 19.9                   | Did not Implement                    | Did not Implement      | 27.9                                | 19.9                   | 85.2                                                 | 74.2                                     |
| Assam                      | 3.8                                 | 2.3                    | 6.2                                  | 3.3                    | 10.0                                | 5.6                    | 27.4                                                 | 40.9                                     |
| Chhattisgarh               | 37.0                                | 22.1                   | 3.2                                  | 2.3                    | 40.2                                | 24.3                   | 40.1                                                 | 56.7                                     |
| Goa                        | 0.01                                | 0.001                  | 0.001                                | 0.0004                 | 0.01                                | 0.001                  | 0.8                                                  | 1.5                                      |
| Gujarat                    | 21.3                                | 25.4                   | 3.5                                  | 4.0                    | 24.8                                | 29.4                   | 53.2                                                 | 119.9                                    |
| Haryana                    | 8.2                                 | 11.2                   | 8.9                                  | 11.3                   | 17.1                                | 22.5                   | 16.3                                                 | 64.5                                     |
| Himachal Pradesh           | 1.0                                 | 0.4                    | 1.8                                  | 0.6                    | 2.8                                 | 0.9                    | 10.0                                                 | 9.6                                      |
| Jharkhand                  | 10.5                                | 6.1                    | 0.4                                  | 0.3                    | 10.9                                | 6.5                    | 28.0                                                 | 20.4                                     |
| Karnataka                  | 14.6                                | 13.2                   | 6.7                                  | 8.5                    | 21.3                                | 21.7                   | 86.8                                                 | 117.8                                    |
| Kerala                     | 0.3                                 | 0.2                    | 0.3                                  | 0.2                    | 0.6                                 | 0.4                    | 75.8                                                 | 25.8                                     |
| Madhya Pradesh             | 49.4                                | 63.3                   | 38.7                                 | 53.3                   | 88.1                                | 116.5                  | 100.0                                                | 242.1                                    |
| Maharashtra                | 128.6                               | 69.0                   | 17.0                                 | 10.3                   | 145.6                               | 79.2                   | 152.9                                                | 239.5                                    |
| Manipur                    | 0.03                                | 0.03                   | Did not Implement                    | Did not Implement      | 0.03                                | 0.03                   | 1.5                                                  | 4.7                                      |
| Meghalaya                  | 0.01                                | 0.003                  | No coverage                          | No coverage            | 0.01                                | 0.003                  | 2.3                                                  | 3.1                                      |
| Odisha                     | 46.8                                | 17.9                   | 2.0                                  | 0.7                    | 48.8                                | 18.5                   | 48.7                                                 | 48.8                                     |
| Puducherry                 | Did not Implement                   | Did not Implement      | 0.1                                  | 0.1                    | 0.1                                 | 0.1                    | 0.3                                                  | 0.3                                      |
| Rajasthan                  | 45.2                                | 55.2                   | 40.1                                 | 41.8                   | 85.3                                | 96.9                   | 76.6                                                 | 260.4                                    |
| Sikkim                     | -                                   | -                      | 0.0002                               | 0.00004                | 0.0002                              | 0.00004                | 0.7                                                  | 1.5                                      |
| Tamil Nadu                 | 3.3                                 | 1.5                    | 35.6                                 | 12.7                   | 38.9                                | 14.2                   | 79.4                                                 | 51.3                                     |
| Telangana                  | 8.1                                 | 7.8                    | 2.2                                  | 3.5                    | 10.3                                | 11.3                   | 59.5                                                 | 59.7                                     |
| Tripura                    | 0.3                                 | 0.1                    | 0.1                                  | 0.01                   | 0.4                                 | 0.1                    | 5.7                                                  | 4.9                                      |
| Uttar Pradesh              | 23.7                                | 18.5                   | 23.2                                 | 17.1                   | 46.9                                | 35.6                   | 238.2                                                | 269.5                                    |
| Uttarakhand                | 1.4                                 | 0.7                    | 0.7                                  | 0.4                    | 2.1                                 | 1.1                    | 8.8                                                  | 10.8                                     |
| GRAND TOTAL                | 431.4                               | 334.7                  | 190.9                                | 170.1                  | 622.4                               | 504.8                  |                                                      |                                          |

| State/UT Name    | Kharif 2020                         | Kharif 2020            | Rabi 2020-21                        | Rabi 2020-21           | 2020-21 Total                       | 2020-21 Total          | PMFBY as on Total Operational Holdings (Lakh) (2015-16)   | 09.03.2022 Gross Cropped Area (Lakh ha) (2016-17)   |
|------------------|-------------------------------------|------------------------|-------------------------------------|------------------------|-------------------------------------|------------------------|-----------------------------------------------------------|-----------------------------------------------------|
| State/UT Name    | Farmers Applications Insured (Lakh) | Area Insured (Lakh ha) | Farmers Applications Insured (Lakh) | Area Insured (Lakh ha) | Farmers Applications Insured (Lakh) | Area Insured (Lakh ha) | PMFBY as on Total Operational Holdings (Lakh) (2015-16)   | 09.03.2022 Gross Cropped Area (Lakh ha) (2016-17)   |
| A & N Islands    | 0.003                               | 0.002                  | 0.001                               | 0.0002                 | 0.003                               | 0.003                  | 0.1                                                       | 0.4                                                 |
| Assam            | 5.8                                 | 3.8                    | 8.2                                 | 5.4                    | 14.0                                | 9.2                    | 27.4                                                      | 40.9                                                |
| Chhattisgarh     | 44.5                                | 20.9                   | 7.1                                 | 3.9                    | 51.6                                | 24.8                   | 40.1                                                      | 56.7                                                |
| Goa              | 0.001                               | 0.0001                 | -                                   | -                      | 0.001                               | 0.0001                 | 0.8                                                       | 1.5                                                 |
| Haryana          | 8.9                                 | 10.0                   | 7.6                                 | 8.8                    | 16.5                                | 18.9                   | 16.3                                                      | 64.5                                                |
| Himachal Pradesh | 0.9                                 | 0.3                    | 1.5                                 | 0.5                    | 2.4                                 | 0.8                    | 10.0                                                      | 9.6                                                 |
| Karnataka        | 14.4                                | 13.8                   | 1.7                                 | 2.3                    | 16.1                                | 16.1                   | 86.8                                                      | 117.8                                               |
| Kerala           | 0.4                                 | 0.2                    | 0.3                                 | 0.2                    | 0.8                                 | 0.4                    | 75.8                                                      | 25.8                                                |
| Madhya Pradesh   | 44.4                                | 70.5                   | 38.4                                | 56.8                   | 82.8                                | 127.2                  | 100.0                                                     | 242.1                                               |
| Maharashtra      | 109.8                               | 59.1                   | 14.2                                | 9.0                    | 124.0                               | 68.1                   | 152.9                                                     | 239.5                                               |
| Manipur          | Did not Implement                   | Did not Implement      | -                                   | -                      | -                                   | -                      | 1.5                                                       | 4.7                                                 |
| Meghalaya        | 0.001                               | 0.001                  |                                     |                        | 0.001                               | 0.001                  | 2.3                                                       | 3.1                                                 |
| Odisha           | 94.5                                | 11.4                   | 3.0                                 | 0.5                    | 97.5                                | 11.9                   | 48.7                                                      | 48.8                                                |
| Puducherry       | 0.003                               | 0.002                  | 0.1                                 | 0.1                    | 0.1                                 | 0.1                    | 0.3                                                       | 0.3                                                 |
| Rajasthan        | 67.0                                | 73.2                   | 40.5                                | 40.4                   | 107.6                               | 113.6                  | 76.6                                                      | 260.4                                               |
| Sikkim           | 0.001                               | 0.0002                 | 0.0003                              | 0.0001                 | 0.001                               | 0.0002                 | 0.7                                                       | 1.5                                                 |
| Tamil Nadu       | 6.1                                 | 2.0                    | 50.8                                | 15.0                   | 56.9                                | 17.0                   | 79.4                                                      | 51.3                                                |
| Tripura          | 2.0                                 | 0.3                    | 0.01                                | 0.0004                 | 2.0                                 | 0.3                    | 5.7                                                       | 4.9                                                 |
| Uttar Pradesh    | 22.2                                | 16.9                   | 19.7                                | 14.7                   | 41.9                                | 31.5                   | 238.2                                                     | 269.5                                               |
| Uttarakhand      | 1.1                                 | 0.5                    | 0.7                                 | 9.4                    | 1.7                                 | 9.8                    | 8.8                                                       | 10.8                                                |
| GRAND TOTAL      | 422.0                               | 282.8                  | 193.8                               | 167.0                  | 615.9                               | 449.8                  |                                                           |                                                     |

| State-wise and   | Year-wise details of farmers applications Kharif 2021 Rabi   | Year-wise details of farmers applications Kharif 2021 Rabi   | insured 2019-20                     | insured 2019-20        | to 2020-21 2021-22 Total            | under                  | PMFBY as on Total Operational Holdings   | 09.03.2022 2016-17 Gross Cropped Area (Lakh ha) (2016-17)   |
|------------------|--------------------------------------------------------------|--------------------------------------------------------------|-------------------------------------|------------------------|-------------------------------------|------------------------|------------------------------------------|-------------------------------------------------------------|
| State/UT Name    | Farmers Applications Insured (Lakh)                          | Area Insured (Lakh ha)                                       | Farmers Applications Insured (Lakh) | Area Insured (Lakh ha) | Farmers Applications Insured (Lakh) | Area Insured (Lakh ha) | (Lakh) (2015-16)                         | 09.03.2022 2016-17 Gross Cropped Area (Lakh ha) (2016-17)   |
| A & N Islands    | 0.004                                                        | 0.003                                                        | 0.00001                             | 0.00000                | 0.004                               | 0.003                  | 0.1                                      | 0.4                                                         |
| Assam            | 4.4                                                          | 2.3                                                          | 0.5                                 | 0.4                    | 4.9                                 | 2.6                    | 27.4                                     | 40.9                                                        |
| Chhattisgarh     | 48.8                                                         | 19.5                                                         | 9.4                                 | 3.5                    | 58.3                                | 22.9                   | 40.1                                     | 56.7                                                        |
| Goa              | 0.0005                                                       | 0.0001                                                       | 0.0002                              | 0.00003                | 0.001                               | 0.0001                 | 0.8                                      | 1.5                                                         |
| Haryana          | 7.4                                                          | 8.2                                                          | 7.0                                 | 7.9                    | 14.4                                | 16.1                   | 16.3                                     | 64.5                                                        |
| Himachal Pradesh | 0.9                                                          | 0.3                                                          | 1.0                                 | 7.3                    | 2.0                                 | 7.6                    | 10.0                                     | 9.6                                                         |
| Jammu & Kashmir  | 0.5                                                          | 0.2                                                          | 0.1                                 | 0.1                    | 0.7                                 | 0.3                    | 14.2                                     | 11.8                                                        |
| Karnataka        | 16.1                                                         | 13.4                                                         | 3.0                                 | 3.8                    | 19.1                                | 17.2                   | 86.8                                     | 117.8                                                       |
| Kerala           | 0.4                                                          | 0.2                                                          | 0.4                                 | 0.2                    | 0.8                                 | 0.4                    | 75.8                                     | 25.8                                                        |
| Madhya Pradesh   | 47.1                                                         | 63.8                                                         | 34.4                                | 40.3                   | 81.5                                | 104.2                  | 100.0                                    | 242.1                                                       |
| Maharashtra      | 84.3                                                         | 49.1                                                         | 12.7                                | 8.6                    | 97.0                                | 57.7                   | 152.9                                    | 239.5                                                       |
| Manipur          | 0.03                                                         | 0.02                                                         | -                                   | -                      | 0.03                                | 0.02                   | 1.5                                      | 4.7                                                         |
| Meghalaya        | Did not Implement                                            | Did not Implement                                            | -                                   | -                      | -                                   | -                      | 2.3                                      | 3.1                                                         |
| Odisha           | 72.9                                                         | 9.3                                                          | 1.9                                 | 0.4                    | 74.8                                | 9.6                    | 48.7                                     | 48.8                                                        |
| Puducherry       | 0.03                                                         | 0.02                                                         | 0.3                                 | 0.1                    | 0.3                                 | 0.1                    | 0.3                                      | 0.3                                                         |
| Rajasthan        | 183.3                                                        | 66.0                                                         | -                                   | 30.4                   | 322.9                               | 96.4                   | 76.6                                     | 260.4                                                       |
| Sikkim           | 0.02                                                         | 0.003                                                        | -                                   | -                      | 0.02                                | 0.003                  | 0.7                                      | 1.5                                                         |
| Tamil Nadu       | 1.4                                                          | 0.4                                                          | 47.9                                | 12.1                   | 49.3                                | 12.5                   | 79.4                                     | 51.3                                                        |
| Tripura          | 1.8                                                          | 0.4                                                          | 0.002                               | 0.0002                 | 1.8                                 | 0.4                    | 5.7                                      | 4.9                                                         |
| Uttar Pradesh    | 21.1                                                         | 15.4                                                         | 14.8                                | 10.1                   | 35.9                                | 25.5                   | 238.2                                    | 269.5                                                       |
| Uttarakhand      | 1.1                                                          | 0.5                                                          | 0.7                                 | 8.4                    | 1.8                                 | 8.8                    | 8.8                                      | 10.8                                                        |
| GRAND TOTAL      | 491.8                                                        | 249.0                                                        | 273.6                               | 133.3                  | 765.4                               | 382.2                  |                                          |                                                             |

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