Lok Sabha Question No. 394 (UNSTARRED), answered on 2025-02-04
Subject: Crop Insurance
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Dr. Hemant Vishnu Savara

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

## LOK SABHA UNSTARRED QUESTION NO. 394

TO BE ANSWERED ON THE 4 TH  FEBRUARY, 2025

## CROP INSURANCE

394. DR. HEMANT VISHNU SAVARA:

Will the Minister of AGRICULTURE AND FARMERS WELFARE क ृ िष एवं िकसान कʞाण मंũी be pleased to state: (a)  whether  the  Government  is  getting  crop  insurance  done  in  the  country  including Maharashtra through various insurance companies; (b) if so, the details thereof, district-wise; (c) the number of farmers whose crops have been insured and awarded compensation by the said companies for crop damage throughout the country including Palghar District in Maharashtra during the last five years; (d) whether Government is receiving complaints against the companies about compensation cases and delay in compensation; and (e) if so the details thereof?

## ANSWER

## MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE क ृ िष एवं िकसान कʞाण राǛ मंũी (SHRI RAMNATH THAKUR)

(a) to (c) : Yes Sir.  With a view to provide financial support to the farmers in the event of non-preventable natural calamities, Pradhan Mantri Fasal Bima Yojana (PMFBY) has been introduced in the country from Kharif 2016 season.  The scheme is implemented through general insurance companies empaneled by the Central Government.  However, specific insurance company is selected by the State Government concerned through transparent tendering process.   Maharashtra is implementing the scheme regularly since 2016.

Details of number of farmer application whose crops have been insured and claims paid under the scheme during last 5 years i.e. from 2019-20 to 2023-24  (as on 31.12.2024) are given in table below :

| Year    | No. of farmer applications enrolled for crop insurance (in numbers)   | Claims Paid (Rs. in crore)   |
|---------|-----------------------------------------------------------------------|------------------------------|
| 2019-20 | 6,17,33,490                                                           | 27,911.32                    |
| 2020-21 | 6,22,61,955                                                           | 21,224.74                    |
| 2021-22 | 8,29,79,506                                                           | 20,844.77                    |
| 2022-23 | 11,21,18,132                                                          | 18,211.73                    |
| 2023-24 | 14,29,45,872                                                          | 15,504.87                    |

District-wise  details  of  number  of  farmer  application  insured  and  claims  paid  in Maharshtra during last 5 years i.e. from 2019-20 to 2023-24 are given in Annexure-I and II respectively.

(d)  &  (e)  :    All  the  major  work  like  selection  of  insurance  model,  selection  of  Insurance Companies through transparent bidding process, assessment  of crop yield/crop loss for calculation of admissible claims are being performed by the concerned State Government or Joint Committee of State Government officials and concerned insurance company. The roles and responsibilities of each stakeholder are defined in the Operational Guidelines of the scheme for the proper execution of the scheme.

Majority of the claims are settled  within the stipulated timelines under the Operational Guidelines  of  the  scheme  by  the  insurance  companies.        However,  during  the implementation  of  PMFBY,  some  complaints  against  insurance  companies  about  nonpayment  and/or  delayed  payment  of  claims;  under  payment  of  claims  on  account  of incorrect/delayed submission of insurance proposals by banks; discrepancy in yield data & consequent  disputes  between  State  Government  and  insurance  companies,    delay  in providing  State  Government  share  of  funds,  non-deployment  of  sufficient  personnel  by insurance  companies  etc.,    have  been  received  in  the  past  which  have  been  suitably addressed as per provisions of the scheme.

Since the scheme is implemented by the State Government, therefore, in order to resolve  the  grievances/complaints  including  those  related  to  claims  of  insured  farmers, provision  of  Stratified  Grievance  Redressal  Mechanism  viz.  District  Level  Grievance Redressal Committee (DGRC), State Level Grievance Redressal Committee (SGRC) has been made in the Revised Operational Guidelines of the Scheme.    These committees have been given the detailed mandate as outlined in the Operational Guidelines for hearing the complaints/ grievances   and to dispose them as per the stipulated procedure.

To further improve the grievance redressal mechanism, Krishi Rakshak Portal and Helpline (KRPH) has been developed.  A single Pan-India toll free number 14447 has been deployed and linked to the insurance companies database, where farmers can raise their grievances/issues.  Timelines to resolve these grievances/issues has also been fixed.  Till date 95.03  lakh calls have been received on KRPH.  Out of these 29.35 lakh issues related e-tickets were generated and forwarded for action to the insurance companies.  Rest of the issues were either informatory or seeking advisory.  Out of the 29.35 lakh issue related Etickets generated, 29.12 lakh (99%) have been resolved.  This has helped the Central Govt. and State Governments to monitor the grievances of stakeholders at a unified platform.

Annexure-I District-wise details of number of farmer application insured in Maharashtra during

## last 5 years i.e. from 2019-20 to 2023-24 under PMFBY and RWBCIS (As on 31.12.2024)

| District name     | 2019-20     | 2020-21     | 2021-22   | 2022-23     | 2023-24     | District Total (last 5 years)   |
|-------------------|-------------|-------------|-----------|-------------|-------------|---------------------------------|
| Ahmednagar        | 7,88,517    | 6,32,518    | 3,41,781  | 2,56,274    | 18,16,745   | 38,35,835                       |
| Akola             | 2,83,627    | 2,82,746    | 3,04,603  | 3,40,948    | 5,98,952    | 18,10,876                       |
| Amravati          | 2,16,964    | 2,19,451    | 1,98,323  | 2,33,924    | 5,70,734    | 14,39,396                       |
| Aurangabad        | 12,65,728   | 8,92,629    | 6,05,409  | 7,82,286    | 14,49,982   | 49,96,034                       |
| Bhandara          | 1,64,501    | 1,87,171    | 1,50,754  | 1,34,738    | 2,65,930    | 9,03,094                        |
| Bid               | 21,22,489   | 21,71,451   | 15,53,805 | 17,67,819   | 30,48,091   | 1,06,63,655                     |
| Buldana           | 2,63,242    | 3,20,566    | 2,56,011  | 3,73,335    | 10,42,920   | 22,56,074                       |
| Chandrapur        | 89,071      | 98,322      | 59,080    | 68,789      | 3,50,645    | 6,65,907                        |
| Dhule             | 84,881      | 68,174      | 56,207    | 70,540      | 3,18,847    | 5,98,649                        |
| Gadchiroli        | 36,305      | 37,294      | 32,126    | 26,364      | 1,26,389    | 2,58,478                        |
| Gondiya           | 71,001      | 57,783      | 16,136    | 17,143      | 2,41,564    | 4,03,627                        |
| Hingoli           | 3,51,031    | 3,23,546    | 3,99,359  | 4,06,492    | 7,17,009    | 21,97,437                       |
| Jalgaon           | 1,49,988    | 2,12,872    | 2,05,368  | 2,69,318    | 5,70,841    | 14,08,387                       |
| Jalna             | 15,82,484   | 9,88,061    | 6,73,876  | 8,86,041    | 16,71,867   | 58,02,329                       |
| Kolhapur          | 808         | 3,675       | 6,380     | 6,373       | 56,129      | 73,365                          |
| Latur             | 11,02,796   | 12,12,459   | 11,23,437 | 9,61,104    | 13,85,230   | 57,85,026                       |
| Nagpur            | 59,887      | 38,908      | 22,830    | 34,084      | 2,84,109    | 4,39,818                        |
| Nanded            | 13,41,536   | 10,51,087   | 9,88,260  | 12,25,277   | 16,91,970   | 62,98,130                       |
| Nandurbar         | 18,301      | 12,166      | 13,839    | 12,752      | 1,56,284    | 2,13,342                        |
| Nashik            | 2,29,182    | 2,96,942    | 1,52,806  | 1,75,680    | 6,89,914    | 15,44,524                       |
| Osmanabad         | 14,97,304   | 10,16,291   | 7,98,408  | 7,21,384    | 14,75,177   | 55,08,564                       |
| Palghar           | 28,628      | 43,063      | 28,256    | 23,336      | 60,836      | 1,84,119                        |
| Parbhani          | 9,63,982    | 7,61,936    | 7,48,411  | 7,13,134    | 12,67,406   | 44,54,869                       |
| Pune              | 46,807      | 40,194      | 20,537    | 13,418      | 3,26,771    | 4,47,727                        |
| Raigarh           | 9,776       | 17,922      | 17,087    | 15,273      | 67,670      | 1,27,728                        |
| Ratnagiri         | 21,958      | 25,840      | 30,280    | 35,614      | 56,375      | 1,70,067                        |
| Sangli            | 2,10,672    | 1,30,353    | 51,254    | 45,784      | 4,40,846    | 8,78,909                        |
| Satara            | 81,245      | 45,852      | 19,111    | 10,507      | 2,71,848    | 4,28,563                        |
| Sindhudurg        | 18,003      | 26,812      | 37,616    | 49,261      | 82,154      | 2,13,846                        |
| Solapur           | 5,89,978    | 3,38,358    | 2,85,867  | 2,37,289    | 10,69,319   | 25,20,811                       |
| Thane             | 16,714      | 38,399      | 51,889    | 49,159      | 1,02,501    | 2,58,662                        |
| Wardha            | 36,520      | 32,365      | 16,793    | 29,059      | 2,69,404    | 3,84,141                        |
| Washim            | 2,94,139    | 2,86,177    | 2,60,459  | 2,87,752    | 5,96,613    | 17,25,140                       |
| Yavatmal          | 5,28,166    | 4,94,988    | 3,76,224  | 4,53,772    | 10,43,686   | 28,96,836                       |
| Maharashtra Total | 1,45,66,231 | 1,24,06,368 | 99,02,582 | 1,07,34,023 | 2,41,84,758 | 7,17,93,962                     |

## Annexure-II

## District-wise details of Claims Paid in Maharashtra during last 5 years i.e. from 2019-20 to 2023-24 under PMFBY and RWBCIS (As on 31.12.2024)

| District name     | 2019-20        | 2020-21        | 2021-22        | 2022-23        | 2023-24        | District Total (last 5 years)   |
|-------------------|----------------|----------------|----------------|----------------|----------------|---------------------------------|
|                   | (Rs. in crore) | (Rs. in crore) | (Rs. in crore) | (Rs. in crore) | (Rs. in crore) | (Rs. in crore)                  |
| Ahmednagar        | 394.62         | 19.65          | 66.96          | 88.68          | 1,249.39       | 1,826.33                        |
| Akola             | 167.79         | 81.35          | 164.04         | 169.10         | 227.83         | 813.11                          |
| Amravati          | 279.07         | 83.33          | 93.87          | 294.25         | 94.77          | 850.26                          |
| Aurangabad        | 398.37         | 37.89          | 143.70         | 318.70         | 414.79         | 1,320.55                        |
| Bhandara          | 67.33          | 4.29           | 2.10           | 0.05           | 9.39           | 84.36                           |
| Bid               | 684.83         | 22.37          | 444.38         | 406.58         | 445.75         | 2,016.11                        |
| Buldana           | 233.27         | 90.98          | 96.66          | 285.50         | 279.17         | 989.74                          |
| Chandrapur        | 28.18          | 31.19          | 7.01           | 16.07          | 216.63         | 299.57                          |
| Dhule             | 111.73         | 5.72           | 44.56          | 26.35          | 93.44          | 283.79                          |
| Gadchiroli        | 14.00          | 9.02           | 5.96           | 3.96           | 1.96           | 35.15                           |
| Gondiya           | 10.35          | 2.39           | 1.50           | 3.42           | 10.03          | 27.87                           |
| Hingoli           | 125.71         | 105.26         | 103.89         | 136.15         | 109.85         | 583.10                          |
| Jalgaon           | 576.50         | 42.56          | 631.34         | 226.61         | 712.86         | 2,200.15                        |
| Jalna             | 210.45         | 63.11          | 172.60         | 229.63         | 340.22         | 1,019.76                        |
| Kolhapur          | 0.27           | 0.56           | 2.97           | 2.12           | 0.74           | 6.68                            |
| Latur             | 804.25         | 120.84         | 371.11         | 460.10         | 393.98         | 2,164.62                        |
| Nagpur            | 14.12          | 12.62          | 12.07          | 15.58          | 137.92         | 192.56                          |
| Nanded            | 390.51         | 129.33         | 509.81         | 624.78         | 490.63         | 2,152.02                        |
| Nandurbar         | 11.80          | 1.68           | 11.26          | 5.41           | 125.60         | 155.96                          |
| Nashik            | 215.76         | 73.41          | 58.32          | 26.40          | 1,026.07       | 1,403.81                        |
| Osmanabad         | 590.59         | 65.01          | 366.21         | 749.15         | 322.28         | 2,103.76                        |
| Palghar           | 43.08          | 34.43          | 13.46          | 2.18           | 3.34           | 97.26                           |
| Parbhani          | 308.07         | 88.66          | 742.95         | 218.28         | 541.44         | 1,904.88                        |
| Pune              | 36.57          | 3.37           | 6.31           | 1.49           | 61.92          | 110.30                          |
| Raigarh           | 33.71          | 31.30          | 22.24          | 0.19           | 1.40           | 89.44                           |
| Ratnagiri         | 82.95          | 59.01          | 87.82          | 0.25           | 0.08           | 231.57                          |
| Sangli            | 134.88         | 14.70          | 32.17          | 7.23           | 149.32         | 340.71                          |
| Satara            | 27.28          | 0.87           | 8.85           | 0.48           | 114.46         | 152.43                          |
| Sindhudurg        | 54.05          | 51.61          | 76.39          | 0.64           | 1.16           | 184.81                          |
| Solapur           | 246.90         | 120.47         | 157.29         | 167.58         | 252.72         | 949.35                          |
| Thane             | 16.23          | 39.42          | 17.44          | 2.01           | 2.62           | 78.00                           |
| Wardha            | 5.54           | 15.22          | 0.87           | 30.52          | 124.20         | 176.45                          |
| Washim            | 149.99         | 22.86          | 40.08          | 141.27         | 206.85         | 563.72                          |
| Yavatmal          | 289.59         | 75.17          | 97.28          | 371.45         | 329.69         | 1,168.34                        |
| Maharashtra Total | 6,758.35       | 1,559.65       | 4,613.47       | 5,032.19       | 8,492.49       | 26,456.15                       |

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