Lok Sabha Question No. 3919 (UNSTARRED), answered on 2025-03-25
Subject: Performance of PMFBY
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri Murari Lal Meena

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

## LOK SABHA

## UNSTARRED QUESTION NO. 3919

TO BE ANSWERED ON THE 25 TH   MARCH, 2025

## PERFORMANCE OF PMFBY

3919. SHRI MURARI LAL MEENA:

Will the Minister of AGRICULTURE AND FARMERS WELFARE क ृ िष एवं िकसान कʞाण मंũी be pleased to state:

- (a) the details of total agricultural area covered in both Kharif and Rabi seasons under Pradhan Mantri Fasal Bima Yojana (PMFBY) during the last five years in the country, State-wise particularly in Dausa district of Rajasthan;
- (b) the details of premium paid by the Union Government to the State Government under PMFBY during the last five years and the contribution percentage of the Union and State Governments under it, year and State-wise;
- (c)  the  compensation  paid  to  the  farmers  and  premium  collected  particularly  from  the farmers of Rajasthan and Dausa district under Pradhan Mantri Fasal Bima Yojana during the last five years;
- (d)  the  number  of  complaints  received  and  disposed  off  under  PMFBY  particularly  in Rajasthan; and
- (e) if so, whether the farmers are satisfied with the action taken and any assessment has been carried out in this regard?

## ANSWER

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

(a) to (c)  : State-wise details of area covered  under Pradhan Mantri Fasal Bima Yojana (PMFBY) during last five years i.e. 2019-20 to 2023-24 alongwith details of Dausa District of Rajasthan are given in Annexure .

The actuarial/bidded premium rates are charged by implementing agencies under PMFBY.  Extremely low premium rate across the country for the season is charged from the famers, which is maximum 2% of sum insured for Kharif crops, maximum 1.5% of sum insured for Rabi crops and maximum 5% of sum insured for commercial/horticultural crops. Remaining part of actuarial premium is shared by the Central and State Government on 50:50 basis except North Eastern States (from Kharif 2020) and Himalayan States (from Kharif 2023) where it is shared in the ratio of 90:10.

Further, Operational guidelines of the scheme further provide for 3 Alternate Risk Transfer models other than standard PMFBY, namely cup and cap model (80:110), cup and cap model (60:130) and profit and loss sharing model, under which in case of claims below certain threshold, portion of the premium paid by the Government as subsidy will go back to the State treasury.  States have been given the flexibility to choose  the main scheme any one of these models.

As on 28.02.2025,   against the farmer's premium of Rs.32,476 crore, claims of Rs. 1,73,938  crore  have  been  paid  to  1979  lakh  farmer  applications  from  inception  of  the scheme in 2016-17 to the  year  2023-24.     In  Dausa  district  of  Rajasthan,  against  the famer's premium of Rs.  5.84 crore, claims of Rs. 9.36 crore have been paid to 5 lakh farmer applications from 2019-20 to 2023-24.

(d) & (e) : All the major work like selection of insurance model, selection of Insurance Companies through transparent bidding process, enrollment of farmers, 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.

Although majority of the claims are settled within the timelines prescribed under the scheme, some complaints have been received about non-payment, delayed payment and 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.   Most of the complaints  have  been  suitably  addressed  as  per  the  grievance  redressal  /  dispute resolution mechanism put in place under 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 and lunched in January, 2024.  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.    This  has  helped  the  Central  and  State Governments to monitor the grievances of stakeholders at a unified platform.

Since inception of the KRPH, total 70 lakh calls have been attended, out of which 36.44  lakh issue based e-Tickets  were generated and 36.16 lakh e-Tickets were disposed off.  In this way 99% of the e-Tickets have been disposed off as per grievance redressal mechanism under the scheme.

Annexure Year-wise details (including both Kharif and Rabi Seasons) of area covered from 2019-209 to 2023-24 under PMFBY

| State/UT          | Insured Area (In Lakh Ha)   | Insured Area (In Lakh Ha)   | Insured Area (In Lakh Ha)   | Insured Area (In Lakh Ha)   | Insured Area (In Lakh Ha)   | Insured Area (In Lakh Ha)   |
|-------------------|-----------------------------|-----------------------------|-----------------------------|-----------------------------|-----------------------------|-----------------------------|
| State/UT          | 2019-20                     | 2020-21                     | 2021-22                     | 2022-23                     | 2023-24                     | Total                       |
| A &NIslands       | 0.001                       | 0.003                       | 0.003                       | 0.001                       | 0.001                       | 0.008                       |
| Andhra Pradesh    | 20.06                       | -                           | -                           | 35.75                       | 41.03                       | 96.84                       |
| Assam             | 5.70                        | 10.77                       | 5.58                        | 3.15                        | 4.20                        | 29.41                       |
| Chhattisgarh      | 24.32                       | 24.52                       | 22.98                       | 23.26                       | 24.18                       | 119.25                      |
| Goa               | 0.001                       | 0.000                       | 0.000                       | 0.001                       | 0.000                       | 0.002                       |
| Gujarat           | 29.44                       | -                           | -                           | -                           | -                           | 29.44                       |
| Haryana           | 22.50                       | 18.87                       | 16.19                       | 16.00                       | 6.91                        | 80.48                       |
| Himachal Pradesh  | 65.09                       | 30.08                       | 40.83                       | 42.66                       | 39.41                       | 218.07                      |
| Jammu& Kashmir    | -                           | -                           | 0.42                        | 0.44                        | 1.25                        | 2.10                        |
| Jharkhand         | 6.45                        | -                           | -                           | -                           | -                           | 6.45                        |
| Karnataka         | 21.06                       | 15.97                       | 17.28                       | 22.88                       | 22.87                       | 100.07                      |
| Kerala            | 0.37                        | 0.44                        | 0.51                        | 0.69                        | 0.74                        | 2.75                        |
| Madhya Pradesh    | 117.14                      | 129.76                      | 116.17                      | 90.13                       | 89.27                       | 542.47                      |
| Maharashtra       | 79.24                       | 68.12                       | 59.08                       | 65.22                       | 160.38                      | 432.03                      |
| Manipur           | 0.03                        | -                           | 0.02                        | 0.03                        | 0.04                        | 0.12                        |
| Meghalaya         | 0.00                        | 0.00                        | -                           | 0.00                        | 0.15                        | 0.16                        |
| Odisha            | 18.72                       | 11.89                       | 10.16                       | 9.27                        | 16.09                       | 66.14                       |
| Puducherry        | 0.09                        | 0.08                        | 0.14                        | 0.12                        | 0.13                        | 0.56                        |
| Rajasthan         | 98.28                       | 113.53                      | 107.10                      | 106.82                      | 103.32                      | 529.05                      |
| Sikkim            | 0.000                       | 0.000                       | 0.003                       | 0.006                       | 0.004                       | 0.013                       |
| Tamil Nadu        | 14.24                       | 17.20                       | 15.65                       | 15.40                       | 13.90                       | 76.40                       |
| Telangana         | 11.35                       | -                           | -                           | -                           | -                           | 11.35                       |
| Tripura           | 0.06                        | 0.38                        | 0.52                        | 0.69                        | 0.90                        | 2.54                        |
| Uttar Pradesh     | 36.77                       | 31.60                       | 29.51                       | 29.72                       | 25.05                       | 152.66                      |
| Uttarakhand       | 1.14                        | 9.86                        | 9.60                        | 38.86                       | 55.85                       | 115.31                      |
| Total (All India) | 572.04                      | 483.09                      | 451.75                      | 501.12                      | 605.68                      | 2,613.68                    |
| District          | Insured Area (In Lakh Ha)   | Insured Area (In Lakh Ha)   | Insured Area (In Lakh Ha)   | Insured Area (In Lakh Ha)   | Insured Area (In Lakh Ha)   | Insured Area (In Lakh Ha)   |
|                   | 2019-20                     | 2020-21                     | 2021-22                     | 2022-23                     | 2023-24                     | Total                       |
| Dausa             | 1.02                        | 0.99                        | 0.59                        | 0.42                        | 0.39                        | 3.41                        |

## -Not Implemented

## Source - NCIP

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