Lok Sabha Question No. 346 (UNSTARRED), answered on 2025-02-04
Subject: Crop Insurance Scheme
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri Rajesh Naranbhai Chudasama

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

## LOK SABHA

## UNSTARRED QUESTION NO. 346 TO BE ANSWERED ON THE 4 TH  FEBRUARY, 2025

## CROP INSURANCE SCHEME

## 346. SHRI RAJESH NARANBHAI CHUDASAMA:

Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ ͪष एवं ͩकसान कãयाण मंğी be pleased to state: (a)  the  details  of  farmers  who  have  availed  the  crop  insurance  scheme  under  Pradhan Mantri Fasal Bima Yojana (PMFBY), State-wise; (b) whether the Government is aware of the declining share of insured farmers benefiting from crop insurance scheme; (c) if so, the measures taken by the Government to ensure that more funds are disbursed to farmers; (d) whether the Government is planning to increase the insurance premiums for commercial and horticultural crops; and (e) if so, the details thereof and if not, the reasons therefor?

## ANSWER

THE MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE कृ ͪष एवं ͩकसान कãयाण राÏय मंğी (SHRI RAMNATH THAKUR) (a): State-wise details of number of farmer applications enrolled under Pradhan Mantri Fasal Bima Yojana (PMFBY) and Restructured Weather Based Crop Insurance Scheme (RWBCIS) from 2019-20 to 2023-24 are given in Annexure . (b) & (c):   The PMFBY and RWBCIS, introduced in the country from Kharif 2016 season is voluntary for States and farmers.  Comprehensive risk coverage for crops of farmers against all  non-preventable natural risks from pre-sowing to post-harvest stages of crops at very minimum premium for the farmers is provided under the scheme. Keeping in view the experience gained in implementation of the scheme and  views of the stakeholders and effects of climate change, Government has taken various measures like (a)  increase  in  tenure  to  3  years  for  selection  of  insurance  company  through  bidding process;  (b) introduction of three alternative risk models viz. Profit and Loss Sharing, Cup and  Cap  (60-130),  Cup  and  Cap  (80-110)  under  which  in  case  of  claims  below  certain

threshold, portion of the premium paid by the State as subsidy will go back to the State treasury;  (c)  infusion of technology such as introduction of  National Crop Insurance Portal (NCIP); Yield Estimation System based on Technology (YES-TECH); Weather Information Network and Data System (WINDS); Collection of Real time Observations and Photographs of  Crops  (CROPIC), integration  of State  Land  Records with NCIP, Digiclaim  module on NCIP  to  work  out  and  settle  claims  directly  to  farmers'  account  using  Public  Finance Management System (PFMS); (d) increased IEC activities etc. to improve the implementation and coverage under the scheme.  Due to efforts made by the Government, coverage under the scheme has been increasing year-on-year and farmers are subscribing to the scheme voluntarily rather than because of subscription of bank loans.

Infact, the number of farmer applications has grown 35.12% and 27.50% year-on-year during 2022-23 and 2023-24 respectively and has reached an all-time high during 2023-24 since the inception of the scheme.

(d) & (e) :   As per provisions of the scheme, actuarial/bidded premium rates are charged by insurance companies  but the farmers have to pay maximum 2% of sum insured for Kharif, 1.5%  of  sum  insured  for  Rabi  food  and  oilseed  crops  and  5%  of  sum  insured  for commercial/horticultural crops and the balance of actuarial/bidded premium is shared by the Central and State Government.  At present, no proposal to revise the premium structure under the scheme is under consideration of the Government.

Annexure

| Farmer Applications enrolled under PMFBY & RWBCIS as on 31 st December 2024   | Farmer Applications enrolled under PMFBY & RWBCIS as on 31 st December 2024   | Farmer Applications enrolled under PMFBY & RWBCIS as on 31 st December 2024   | Farmer Applications enrolled under PMFBY & RWBCIS as on 31 st December 2024   | Farmer Applications enrolled under PMFBY & RWBCIS as on 31 st December 2024   | Farmer Applications enrolled under PMFBY & RWBCIS as on 31 st December 2024   |
|-------------------------------------------------------------------------------|-------------------------------------------------------------------------------|-------------------------------------------------------------------------------|-------------------------------------------------------------------------------|-------------------------------------------------------------------------------|-------------------------------------------------------------------------------|
| State / UT Name                                                               | 2019-20                                                                       | 2020-21                                                                       | 2021-22                                                                       | 2022-23                                                                       | 2023-24                                                                       |
| A & N Islands                                                                 | 99                                                                            | 339                                                                           | 535                                                                           | 173                                                                           | 187                                                                           |
| Andhra Pradesh                                                                | 27,88,373                                                                     | -                                                                             | -                                                                             | 1,25,63,699                                                                   | 1,29,01,749                                                                   |
| Assam                                                                         | 10,06,212                                                                     | 16,60,076                                                                     | 9,96,027                                                                      | 4,89,983                                                                      | 7,95,553                                                                      |
| Chhattisgarh                                                                  | 40,17,118                                                                     | 51,58,351                                                                     | 58,38,755                                                                     | 77,30,260                                                                     | 81,24,956                                                                     |
| Goa                                                                           | 886                                                                           | 84                                                                            | 64                                                                            | 403                                                                           | 234                                                                           |
| Gujarat                                                                       | 24,80,726                                                                     | -                                                                             | -                                                                             | -                                                                             | -                                                                             |
| Haryana                                                                       | 17,10,601                                                                     | 16,50,558                                                                     | 14,52,842                                                                     | 14,46,631                                                                     | 1,01,74,480                                                                   |
| Himachal Pradesh                                                              | 2,84,009                                                                      | 2,40,727                                                                      | 2,33,725                                                                      | 2,67,643                                                                      | 2,78,051                                                                      |
| Jammu & Kashmir                                                               | -                                                                             | -                                                                             | 90,834                                                                        | 91,582                                                                        | 2,45,630                                                                      |
| Jharkhand                                                                     | 10,92,116                                                                     | -                                                                             | -                                                                             | -                                                                             | -                                                                             |
| Karnataka                                                                     | 19,45,207                                                                     | 15,87,801                                                                     | 19,17,808                                                                     | 26,84,781                                                                     | 30,15,023                                                                     |
| Kerala                                                                        | 58,135                                                                        | 76,317                                                                        | 98,510                                                                        | 1,46,546                                                                      | 1,74,141                                                                      |
| Madhya Pradesh                                                                | 83,97,265                                                                     | 84,52,044                                                                     | 92,64,216                                                                     | 1,77,32,045                                                                   | 1,77,95,819                                                                   |
| Maharashtra                                                                   | 1,45,66,294                                                                   | 1,24,06,368                                                                   | 99,02,582                                                                     | 1,07,33,909                                                                   | 2,41,85,161                                                                   |
| Manipur                                                                       | 3,256                                                                         | -                                                                             | 2,807                                                                         | 4,066                                                                         | 5,073                                                                         |
| Meghalaya                                                                     | 607                                                                           | 130                                                                           | -                                                                             | 337                                                                           | 38,569                                                                        |
| Odisha                                                                        | 48,79,301                                                                     | 97,52,474                                                                     | 81,73,856                                                                     | 80,20,763                                                                     | 1,40,97,157                                                                   |
| Puducherry                                                                    | 12,014                                                                        | 10,980                                                                        | 35,818                                                                        | 38,384                                                                        | 42,224                                                                        |
| Rajasthan                                                                     | 86,16,616                                                                     | 1,07,59,591                                                                   | 3,44,70,735                                                                   | 3,90,96,690                                                                   | 3,89,87,544                                                                   |
| Sikkim                                                                        | 21                                                                            | 85                                                                            | 2,422                                                                         | 5,025                                                                         | 3,104                                                                         |
| Tamil Nadu                                                                    | 38,93,787                                                                     | 58,87,474                                                                     | 59,11,015                                                                     | 61,43,139                                                                     | 54,55,753                                                                     |
| Telangana                                                                     | 10,34,223                                                                     | -                                                                             | -                                                                             | -                                                                             | -                                                                             |
| Tripura                                                                       | 36,382                                                                        | 2,57,236                                                                      | 3,35,514                                                                      | 3,56,201                                                                      | 3,73,362                                                                      |
| Uttar Pradesh                                                                 | 46,97,567                                                                     | 41,90,508                                                                     | 40,68,679                                                                     | 42,83,804                                                                     | 60,25,293                                                                     |
| Uttarakhand                                                                   | 2,12,675                                                                      | 1,70,812                                                                      | 1,82,762                                                                      | 2,82,068                                                                      | 2,26,809                                                                      |
| All India                                                                     | 6,17,33,490                                                                   | 6,22,61,955                                                                   | 8,29,79,506                                                                   | 11,21,18,132                                                                  | 14,29,45,872                                                                  |

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