Lok Sabha Question No. 660 (UNSTARRED), answered on 2024-02-06
Subject: Insured Crop Area under PMFBY
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Gaddam Ranjith Reddy

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

## LOK SABHA UNSTARRED QUESTION NO. 660

TO BE ANSWERED ON THE 06 TH  FEBRUARY, 2024

## INSURED CROP AREA UNDER PMFBY

660. DR. G. RANJITH REDDY:

Will  the  Minister  of  AGRICULTURE  AND  FARMERS  WELFARE क ृ षि एवं षकसान कल्याण मंत्री be pleased to state:

- (a) the  details  of  total  insured  gross  cropped  area  under  Pradhan  Mantri  Fasal Bima Yojana (PMFBY) since its implementation, State-wise, district-wise, year-wise and loanee and non-loanee farmers, category-wise;
- (b) whether the PMFBY has gone up among non-loanee farmers in the country in 2022-23 as compared to 2021-22; and
- (c) if  so, the details thereof and the manner in which the Government takes this cue and push PMFBY among all farmers?

## ANSWER

## MINISTER OF AGRICULTURE AND FARMERS WELFARE

क ृ षि एवं षकसान कल्याण मंत्री

(SHRI ARJUN MUNDA)

- (a)  :  The  Pradhan  Mantri  Fasal  Bima  Yojana  (PMFBY),  introduced  in  the  country from  Kharif  2016  season  is  voluntary  for  States  and  farmers.      27  States/  Union Territories  (UTs)  have  implemented  the  scheme  in  one  or  more  seasons  since inception.    State-wise & year-wise details of GCA covered under PMFBY is given in Annexure-I. Details of loanee and non-loanee farmer applications in 2021-22 and 2022-23 are at Annexure-II

(b) & (c)  : Yes Sir.  Due to efforts made by the Government and stakeholders, nonloanee farmer  applications  under  the  PMFBY  have  been  increased  to  329  lakh  in 2022-23 as compared to 213 lakh in 2021-22.

The  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  provisions  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  Common  Service  Centres  (CSCs)  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' has been initiated by the Ministry of Agriculture and Farmers Welfare since Kharif  2021  season  onwards.  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 generation 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  /  National  Crop  Insurance  Portal  (NCIP)  portal  and  organisation  of online  workshops  of  all  stakeholders  including  farmers,  Panchayat  Members,  and other key stakeholders.

Government  had  also  organized  a  nationwide  Doorstep  Crop  Insurance Policy/receipt  Distribution  mega  drive  -  'Meri  Policy  Mere  Haath'.  Hard  copies  of crop  insurance  policy  receipts  are  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.

Also,  towards  leveraging  technology  in  implementation  of  the  scheme, various  steps  like  capturing  of  yield  data/Crop  Cutting  Experiments  (CCEs)  data through CCE-Agri App & uploading it on the NCIP, allowing insurance companies to witness the conduct of CCEs, integration of State land records with NCIP etc. have already been taken to improve timely settlement of the claims to farmers.  Following technologies for Objective Crop Damage & Loss Assessment and transparency have also  been approved recently  for implementation w.e.f. 2023-24 :

-  YES-TECH  (Yield  Estimation  System  Based  on  Technology)  for  gradual migration to Remote-Sensing based yield estimation to help assess yields as well  as  fair  and  accurate  Crop  Yield  Estimation . This  initiative  has  been launched for paddy & wheat crops from Kharif 2023 wherein 30% weightage to yield estimation will mandatorily be assigned to YES-TECH derived yield.
-  WINDS  (Weather  Information  Network  and  Data  System)  for  Network  of Automatic  Weather  Stations  (AWS)  &  Automatic  Rain-Gauges  (ARG)  for collecting hyper-local weather data at GP & Block level.  This will be fed into a National unified network of AWS & ARG with interoperability & sharing of data in  coordination  with  India  Meteorological  Department  (IMD).    WINDS  will provide data not only for YES-TECH but also for effective drought & disaster management,  accurate  weather  prediction  and  offering  better  parametric insurance products.
-  CROPIC (Collection of Real-time photos and Observations of Crops) for Geotagged photographs for validation of sown Crop with Insured Crop and use of pictorial  analytics  for  Objective  Crop  Damage  Assessment  &  Crop  Yield Estimation.

Department  has  been  regularly  monitoring  the  functioning  of  insurance companies, including timely settlement of claims through weekly video conferences of all stakeholders, one to one meeting as well as National Review Conferences.  In order  to  rigorously  monitor  claim  disbursal  process,  a  dedicated  module  namely 'Digiclaim Module' has been operationalized for payment of claims from Kharif 2022 onwards.  It involves integration of National Crop Insurance Portal (NCIP) with PFMS and  accounting  system  of  Insurance  Companies  to  provide  timely  &  transparent processing of all claims.

Based on the experience  gained,  views  of  various  stakeholders  and  with  a view to ensure better transparency, accountability, timely payment of claims to the farmers and to make the scheme more farmer friendly, Government has periodically revised  the  Operational  Guidelines  of  the  PMFBY  comprehensively  to  ensure  that the eligible benefits under the scheme reach the farmers timely and transparently .

Annexure-I State-wise details of Area Insured from 2016-17 to 2022-23 under PMFBY

## (As on 31.12.2023)

| State/UT Name    | Area Insured (lakh ha)   | Area Insured (lakh ha)   | Area Insured (lakh ha)   | Area Insured (lakh ha)   | Area Insured (lakh ha)   | Area Insured (lakh ha)   |         |
|------------------|--------------------------|--------------------------|--------------------------|--------------------------|--------------------------|--------------------------|---------|
| State/UT Name    | 2016-17                  | 2017-18                  | 2018-19                  | 2019-20                  | 2020-21                  | 2021-22                  | 2022-23 |
| A & N Islands    | 0.00                     | 0.00                     | 0.01                     | 0.00                     | 0.00                     | 0.00                     | 0.00    |
| Andhra Pradesh   | 15.60                    | 21.06                    | 22.98                    | 20.06                    | 0.00                     | 0.00                     | 35.71   |
| Assam            | 0.42                     | 0.41                     | 0.49                     | 5.70                     | 10.77                    | 5.58                     | 3.23    |
| Bihar            | 24.84                    | 21.25                    | 0.00                     | 0.00                     | 0.00                     | 0.00                     | 0.00    |
| Chhattisgarh     | 24.14                    | 22.17                    | 22.75                    | 24.36                    | 24.54                    | 22.98                    | 23.26   |
| Goa              | 0.01                     | 0.00                     | 0.00                     | 0.00                     | 0.00                     | 0.00                     | 0.00    |
| Gujarat          | 30.21                    | 26.58                    | 26.11                    | 29.44                    | 0.00                     | 0.00                     | 0.00    |
| Haryana          | 20.85                    | 19.09                    | 20.56                    | 22.50                    | 18.87                    | 16.19                    | 15.92   |
| Himachal Pradesh | 1.29                     | 1.11                     | 0.90                     | 65.09                    | 16.05                    | 31.95                    | 42.40   |
| Jammu & Kashmir  | 0.00                     | 1.49                     | 1.11                     | 0.00                     | 0.00                     | 0.42                     | 0.44    |
| Jharkhand        | 3.72                     | 2.90                     | 6.33                     | 6.45                     | 0.00                     | 0.00                     | 0.00    |
| Karnataka        | 24.78                    | 18.05                    | 22.20                    | 21.53                    | 16.12                    | 17.41                    | 22.66   |
| Kerala           | 0.53                     | 0.48                     | 0.43                     | 0.37                     | 0.44                     | 0.51                     | 0.69    |
| Madhya Pradesh   | 120.93                   | 118.17                   | 132.19                   | 117.14                   | 129.76                   | 116.23                   | 90.14   |
| Maharashtra      | 72.98                    | 55.20                    | 88.97                    | 79.24                    | 68.12                    | 59.07                    | 65.23   |
| Manipur          | 0.09                     | 0.19                     | 0.01                     | 0.03                     | 0.00                     | 0.02                     | 0.03    |
| Meghalaya        | 0.00                     | 0.01                     | 0.01                     | 0.00                     | 0.00                     | 0.00                     | 0.00    |
| Odisha           | 13.19                    | 13.54                    | 14.95                    | 18.72                    | 11.89                    | 10.17                    | 9.24    |
| Puducherry       | 0.07                     | 0.00                     | 0.08                     | 0.09                     | 0.08                     | 0.14                     | 0.11    |
| Rajasthan        | 104.85                   | 100.48                   | 77.99                    | 98.28                    | 113.53                   | 107.08                   | 105.85  |
| Sikkim           | 0.00                     | 0.00                     | 0.00                     | 0.00                     | 0.00                     | 0.00                     | 0.01    |
| Tamil Nadu       | 12.41                    | 11.37                    | 15.22                    | 14.24                    | 17.21                    | 15.65                    | 15.43   |
| Telangana        | 8.31                     | 10.53                    | 9.92                     | 11.35                    | 0.00                     | 0.00                     | 0.00    |
| Tripura          | 0.03                     | 0.03                     | 0.00                     | 0.06                     | 0.38                     | 0.52                     | 0.62    |
| Uttar Pradesh    | 65.11                    | 46.14                    | 51.49                    | 36.77                    | 31.60                    | 29.49                    | 29.72   |
| Uttarakhand      | 1.32                     | 1.18                     | 1.09                     | 1.14                     | 9.86                     | 9.60                     | 38.86   |
| West Bengal      | 19.96                    | 16.72                    | 19.18                    | 0.00                     | 0.00                     | 0.00                     | 0.00    |
| GRAND TOTAL      | 565.64                   | 508.14                   | 534.97                   | 572.54                   | 469.23                   | 443.02                   | 499.54  |

0.00 : Low coverage as figures are in lakhs or Not Implemented.

## Annexure-II Farmer Applications enrolled under PMFBY during 2021-22 and 2022-23 (As on 31.12.2023)

| State/UT Name    | Farmers Applications 2021-22   | Farmers Applications 2021-22   | Farmers Applications 2021-22   | Insured (In Lakh)   | Insured (In Lakh)   | Insured (In Lakh)   |
|------------------|--------------------------------|--------------------------------|--------------------------------|---------------------|---------------------|---------------------|
| State/UT Name    | Loanee                         | Non Loanee                     | Total                          | Loanee              | Non Loanee          | Total               |
| A & N Islands    | 0.00                           | 0.00                           | 0.01                           | 0.00                | 0.00                | 0.00                |
| Andhra Pradesh   | 0.00                           | 0.00                           | 0.00                           | 88.38               | 90.46               | 178.84              |
| Assam            | 0.30                           | 9.66                           | 9.96                           | 0.11                | 4.90                | 5.00                |
| Chhattisgarh     | 53.74                          | 4.65                           | 58.39                          | 71.59               | 5.70                | 77.29               |
| Goa              | 0.00                           | 0.00                           | 0.00                           | 0.00                | 0.00                | 0.00                |
| Haryana          | 13.20                          | 1.33                           | 14.53                          | 12.70               | 1.76                | 14.46               |
| Himachal Pradesh | 2.32                           | 0.02                           | 2.34                           | 2.65                | 0.02                | 2.67                |
| Jammu & Kashmir  | 0.91                           | 0.00                           | 0.91                           | 0.91                | 0.01                | 0.92                |
| Karnataka        | 6.20                           | 13.14                          | 19.34                          | 6.25                | 20.20               | 26.45               |
| Kerala           | 0.40                           | 0.58                           | 0.99                           | 0.41                | 1.06                | 1.47                |
| Madhya Pradesh   | 92.29                          | 0.38                           | 92.67                          | 172.32              | 5.00                | 177.32              |
| Maharashtra      | 12.88                          | 86.14                          | 99.03                          | 9.79                | 97.68               | 107.47              |
| Manipur          | 0.01                           | 0.02                           | 0.03                           | 0.01                | 0.03                | 0.04                |
| Meghalaya        | 0.00                           | 0.00                           | 0.00                           | 0.00                | 0.00                | 0.00                |
| Odisha           | 61.14                          | 20.60                          | 81.74                          | 59.04               | 21.02               | 80.06               |
| Puducherry       | 0.00                           | 0.36                           | 0.36                           | 0.00                | 0.31                | 0.31                |
| Rajasthan        | 328.65                         | 15.99                          | 344.64                         | 375.00              | 17.10               | 392.10              |
| Sikkim           | 0.00                           | 0.02                           | 0.02                           | 0.00                | 0.05                | 0.05                |
| Tamil Nadu       | 5.11                           | 54.00                          | 59.11                          | 6.35                | 55.24               | 61.60               |
| Tripura          | 0.20                           | 3.16                           | 3.36                           | 0.18                | 3.03                | 3.21                |
| Uttar Pradesh    | 38.48                          | 2.20                           | 40.68                          | 38.52               | 4.05                | 42.57               |
| Uttarakhand      | 1.07                           | 0.75                           | 1.83                           | 1.56                | 1.26                | 2.82                |
| GRAND TOTAL      | 616.89                         | 213.00                         | 829.90                         | 845.78              | 328.88              | 1174.65             |

0.00 : Low coverage as figures are in lakhs or Not Implemented.

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