Lok Sabha Question No. 127 (STARRED), answered on 2025-07-29
Subject: Crop Insurance Claims under PMFBY
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri Anto Antony, Shri Tanuj Punia

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

## LOK SABHA STARRED QUESTION NO.  127

TO BE ANSWERED ON THE 29 TH  JULY, 2025

## CROP INSURANCE CLAIMS UNDER PMFBY

*127.  SHRI ANTO ANTONY: SHRI TANUJ PUNIA:

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

- (a) the details and total number of crop insurance claims made by farmers under the PM Fasal Bima Yojana (PMFBY) in each State/UT during the last three years, State/UTwise;
- (b) the total number of claims disbursed and the total amount paid to farmers, State/UTwise;
- (c)  the  number  of  claims  pending  for  disbursal  and  the  reasons  for  such  delays, State/UT-wise; and
- (d) the details of steps being taken to ensure timely settlement of pending claims ?

## ANSWER

THE MINISTER FOR AGRICULTURE AND FARMERS WELFARE क ृ िष एवं िकसान कʞाण मंũी (SHRI SHIVRAJ SINGH CHAUHAN)

(a) to (  d)  : A statement is laid on the Table of the House.

## STATEMENT REFERRED TO PART (a) TO (d) OF LOK SABHA STARRED QUESTION NO.  127  FOR  29 TH     JULY,    2025    REGARDING CROP INSURNACE CLAIMS UNDER PMFBY.

(a) to (c) : During 2022-23 to 2024-25 (upto Kharif 2024), claims of Rs. 50,474.74 crore has  been  reported  under  Pradhan  Mantri  Fasal  Bima  Yojana (PMFBY), out  of which  Rs. 45,192.26 core has been paid already to 926.59 lakh farmer applications.  Further, Rs. 5,282 crore (10.5%) is pending for payment.

The  major  reasons  for  pendency  of  these  claims  are  (a)  delay  in  providing  State Government share of subsidy  (b) non-payment/delayed payment or under payment of claims on account of incorrect/delayed submission of insurance proposals by banks (c) discrepancy in yield data & consequent disputes between State Government and insurance companies etc.  The pending claims on account of these issue are settled after their resolution as per provisions of the scheme.

During Kharif 2022-23 to Kharif 2024, about 69% claims have been settled within 30 days from reporting of yield by States/crop loss notification by State or intimation by farmers.

.

(d) :     Government  has  taken various steps to strengthen implementation of this scheme, bring transparency and ensure timely settlement of claims :

-  Government  has  undertaken  development  of National  Crop  Insurance  Portal (NCIP) as  a  single  source  of  data  ensuring  subsidy  payment,  co-ordination, transparency, dissemination of information and delivery of services including direct online enrollment of farmers, uploading/obtaining individual insured famer's details for better monitoring and to ensure transfer of claim amount electronically to the individual farmer's Bank Account.
-  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 Public Finance Management System (PFMS) and accounting system of Insurance Companies to provide timely & transparent processing of all claims w.e.f. Kharif 2024.
-  Delinking  of  Central  Government  share  of  premium  subsidy  from  that  of  State Governments has been implemented so that farmers can get proportionate claims relating to the Central Government share.
-  Also, towards leveraging technology in implementation of the scheme, various steps like capturing of yield data/Crop Cutting Experiments (CCEs) data through CCEAgri 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.

-  Provision of 12% penalty on delay in payment of claims by insurance company is auto calculated on National Crop Insurance Portal (NCIP).
-  Opening of ESCROW Account by the State Government concerned for deposit of their premium share in advance as per provisions of the scheme has been made mandatory w.e.f. Kharif 2025 season.

Following  technologies  for  Objective  Crop  Damage  &  Loss  Assessment  and transparency have also been implemented recently w.e.f. 2023-24 under the scheme:

- i. 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. Soybean crop has been added from Kharif 2024 season.
- ii. WINDS (Weather Information Network and Data System) for setting up of Network of Automatic Weather Stations (AWS) & Automatic Rain-Gauges (ARG) to the tune of 5 times of existing  network for collecting hyper-local weather data at GP & Block level. This  will  be  fed  into  a  National  database  with  interoperability  &  sharing  of  data  in coordination with India Meteorological Department (IMD).  WINDS provides data not only for YES-TECH but also for effective drought & disaster management, accurate weather prediction and offering better parametric insurance products.

## Annexure

| PMFBY & RWBCIS: State Wise Claims Farmer applications and Farmers Benefitted from 2022-23 to Kharif 2024-25   | PMFBY & RWBCIS: State Wise Claims Farmer applications and Farmers Benefitted from 2022-23 to Kharif 2024-25   | PMFBY & RWBCIS: State Wise Claims Farmer applications and Farmers Benefitted from 2022-23 to Kharif 2024-25   | PMFBY & RWBCIS: State Wise Claims Farmer applications and Farmers Benefitted from 2022-23 to Kharif 2024-25   | PMFBY & RWBCIS: State Wise Claims Farmer applications and Farmers Benefitted from 2022-23 to Kharif 2024-25   | PMFBY & RWBCIS: State Wise Claims Farmer applications and Farmers Benefitted from 2022-23 to Kharif 2024-25   | PMFBY & RWBCIS: State Wise Claims Farmer applications and Farmers Benefitted from 2022-23 to Kharif 2024-25   |
|---------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------|
| States                                                                                                        | Farmers Applications                                                                                          | Farmers Applications                                                                                          | Farmers Applications                                                                                          | Farmers Benefitted (In No.)                                                                                   | Farmers Benefitted (In No.)                                                                                   | Farmers Benefitted (In No.)                                                                                   |
| States                                                                                                        | 2022-23                                                                                                       | 2023-24                                                                                                       | 2024-25                                                                                                       | 2022-23                                                                                                       | 2023-24                                                                                                       | 2024-25                                                                                                       |
| A & N Islands                                                                                                 | 171                                                                                                           | 187                                                                                                           | 150                                                                                                           | 7                                                                                                             | 86                                                                                                            | 39                                                                                                            |
| Andhra Pradesh                                                                                                | 1,23,87,364                                                                                                   | 1,31,29,912                                                                                                   | 85,43,555                                                                                                     | 6,29,229                                                                                                      | -                                                                                                             | -                                                                                                             |
| Assam                                                                                                         | 4,89,981                                                                                                      | 7,93,506                                                                                                      | 7,61,951                                                                                                      | 26,240                                                                                                        | 99,561                                                                                                        | 20,817                                                                                                        |
| Chhattisgarh                                                                                                  | 77,30,456                                                                                                     | 81,25,985                                                                                                     | 67,56,016                                                                                                     | 15,31,966                                                                                                     | 15,00,347                                                                                                     | 2,50,598                                                                                                      |
| Goa                                                                                                           | 403                                                                                                           | 234                                                                                                           | 216                                                                                                           | 5                                                                                                             | 2                                                                                                             | 64                                                                                                            |
| Haryana                                                                                                       | 14,51,535                                                                                                     | 1,02,67,729                                                                                                   | 94,27,621                                                                                                     | 7,52,993                                                                                                      | 25,15,329                                                                                                     | 17,24,053                                                                                                     |
| Himachal Pradesh                                                                                              | 2,67,618                                                                                                      | 2,78,055                                                                                                      | 1,09,605                                                                                                      | 1,39,516                                                                                                      | 1,07,964                                                                                                      | 31,257                                                                                                        |
| Jammu & Kashmir                                                                                               | 91,582                                                                                                        | 2,45,757                                                                                                      | 1,47,346                                                                                                      | 17,903                                                                                                        | 73,579                                                                                                        | 72,354                                                                                                        |
| Jharkhand                                                                                                     |                                                                                                               |                                                                                                               | 25,48,512                                                                                                     |                                                                                                               |                                                                                                               | 31,825                                                                                                        |
| Karnataka                                                                                                     | 27,18,915                                                                                                     | 30,77,232                                                                                                     | 30,48,823                                                                                                     | 18,40,873                                                                                                     | 23,60,145                                                                                                     | 10,25,637                                                                                                     |
| Kerala                                                                                                        | 1,46,546                                                                                                      | 1,74,102                                                                                                      | 92,743                                                                                                        | 1,30,053                                                                                                      | 28,695                                                                                                        | -                                                                                                             |
| Madhya Pradesh                                                                                                | 1,77,32,045                                                                                                   | 1,77,95,826                                                                                                   | 97,17,150                                                                                                     | 36,88,740                                                                                                     | 39,43,417                                                                                                     | 32,64,868                                                                                                     |
| Maharashtra                                                                                                   | 1,07,33,625                                                                                                   | 2,41,73,494                                                                                                   | 1,64,14,758                                                                                                   | 76,44,275                                                                                                     | 1,32,27,119                                                                                                   | 73,92,889                                                                                                     |
| Manipur                                                                                                       | 4,066                                                                                                         | 5,073                                                                                                         | 4,619                                                                                                         | 3,395                                                                                                         | 4,170                                                                                                         | -                                                                                                             |
| Meghalaya                                                                                                     | 337                                                                                                           | 38,569                                                                                                        | 47,749                                                                                                        | 68                                                                                                            | 14,398                                                                                                        | 18,952                                                                                                        |
| Odisha                                                                                                        | 80,20,747                                                                                                     | 1,41,60,653                                                                                                   | 1,37,81,469                                                                                                   | 17,83,312                                                                                                     | 11,49,287                                                                                                     | 7,30,087                                                                                                      |
| Puducherry                                                                                                    | 38,274                                                                                                        | 42,344                                                                                                        | 8,781                                                                                                         | 7,263                                                                                                         | 5,846                                                                                                         | 5,857                                                                                                         |
| Rajasthan                                                                                                     | 3,90,71,541                                                                                                   | 3,90,16,977                                                                                                   | 2,15,31,458                                                                                                   | 1,16,18,304                                                                                                   | 83,11,462                                                                                                     | 27,20,571                                                                                                     |
| Sikkim                                                                                                        | 5,025                                                                                                         | 3,104                                                                                                         | 489                                                                                                           | -                                                                                                             | 23                                                                                                            | -                                                                                                             |
| Tamil Nadu                                                                                                    | 61,37,961                                                                                                     | 54,56,594                                                                                                     | 3,15,826                                                                                                      | 19,37,875                                                                                                     | 17,00,553                                                                                                     | 1,48,721                                                                                                      |
| Telangana                                                                                                     |                                                                                                               |                                                                                                               |                                                                                                               |                                                                                                               |                                                                                                               |                                                                                                               |
| Tripura                                                                                                       | 3,56,201                                                                                                      | 3,65,378                                                                                                      | 8,231                                                                                                         | 20,515                                                                                                        | 10,905                                                                                                        | 3,554                                                                                                         |
| Uttar Pradesh                                                                                                 | 42,83,991                                                                                                     | 60,68,754                                                                                                     | 50,72,290                                                                                                     | 12,51,998                                                                                                     | 11,84,713                                                                                                     | 14,41,310                                                                                                     |
| Uttarakhand                                                                                                   | 2,82,068                                                                                                      | 2,27,291                                                                                                      | 1,28,244                                                                                                      | 1,99,847                                                                                                      | 1,71,124                                                                                                      | 92,045                                                                                                        |
| West Bengal                                                                                                   |                                                                                                               | -                                                                                                             |                                                                                                               |                                                                                                               | -                                                                                                             |                                                                                                               |
| Grand Total                                                                                                   | 11,19,50,452                                                                                                  | 14,34,46,756                                                                                                  | 9,84,67,602                                                                                                   | 3,32,24,377                                                                                                   | 3,64,08,725                                                                                                   | 1,89,75,498                                                                                                   |

- -Not Implemented/Very low coverage

## Annexure-II

| PMFBY & RWBCIS: State Wise Claims Status from 2022-23 to 2024-25 (upto Kharif 2024) as on June, 2025   | PMFBY & RWBCIS: State Wise Claims Status from 2022-23 to 2024-25 (upto Kharif 2024) as on June, 2025   | PMFBY & RWBCIS: State Wise Claims Status from 2022-23 to 2024-25 (upto Kharif 2024) as on June, 2025   | PMFBY & RWBCIS: State Wise Claims Status from 2022-23 to 2024-25 (upto Kharif 2024) as on June, 2025   | PMFBY & RWBCIS: State Wise Claims Status from 2022-23 to 2024-25 (upto Kharif 2024) as on June, 2025   |
|--------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------|
| State/UT                                                                                               | Consolidated from 2022-23 to 2024-25 (upto Kharif 2024) (Rs. In Crore)                                 | Consolidated from 2022-23 to 2024-25 (upto Kharif 2024) (Rs. In Crore)                                 | Consolidated from 2022-23 to 2024-25 (upto Kharif 2024) (Rs. In Crore)                                 | Consolidated from 2022-23 to 2024-25 (upto Kharif 2024) (Rs. In Crore)                                 |
|                                                                                                        | Reported Claims                                                                                        | Paid Claims                                                                                            | Claims Pending                                                                                         |                                                                                                        |
| A & N Islands                                                                                          | 0.05                                                                                                   | 0.02                                                                                                   | 0.03                                                                                                   |                                                                                                        |
| Andhra Pradesh                                                                                         | 3,138.80                                                                                               | -                                                                                                      | 2,592.07                                                                                               | State share in subsidy and farmers premium share is pending from State Government                      |
| Assam                                                                                                  | 557.12                                                                                                 | 531.51                                                                                                 | 25.61                                                                                                  |                                                                                                        |
| Chhattisgarh                                                                                           | 3,558.22                                                                                               | 3,554.19                                                                                               | 4.04                                                                                                   |                                                                                                        |
| Goa                                                                                                    | 0.01                                                                                                   | 0.01                                                                                                   | 0.00                                                                                                   |                                                                                                        |
| Haryana                                                                                                | 5,921.08                                                                                               | 5,858.83                                                                                               | 62.25                                                                                                  |                                                                                                        |
| Himachal Pradesh                                                                                       | 369.71                                                                                                 | 362.51                                                                                                 | 7.20                                                                                                   |                                                                                                        |
| Jammu & Kashmir                                                                                        | 119.21                                                                                                 | 116.92                                                                                                 | 2.29                                                                                                   |                                                                                                        |
| Jharkhand                                                                                              | 20.64                                                                                                  | -                                                                                                      | 20.64                                                                                                  | Insured Area not finalised by State Government                                                         |
| Karnataka                                                                                              | 9,536.91                                                                                               | 9,513.35                                                                                               | 23.56                                                                                                  |                                                                                                        |
| Kerala                                                                                                 | 461.26                                                                                                 | 460.58                                                                                                 | 0.69                                                                                                   |                                                                                                        |
| Madhya Pradesh                                                                                         | 13,688.21                                                                                              | 12,380.21                                                                                              | 1,308.00                                                                                               |                                                                                                        |
| Maharashtra                                                                                            | 24,912.02                                                                                              | 24,588.57                                                                                              | 323.46                                                                                                 |                                                                                                        |
| Manipur                                                                                                | 5.10                                                                                                   | 5.08                                                                                                   | 0.03                                                                                                   |                                                                                                        |
| Meghalaya                                                                                              | 24.30                                                                                                  | 23.61                                                                                                  | 0.68                                                                                                   |                                                                                                        |
| Odisha                                                                                                 | 2,556.29                                                                                               | 2,541.31                                                                                               | 14.98                                                                                                  |                                                                                                        |
| Puducherry                                                                                             | 10.96                                                                                                  | 8.49                                                                                                   | 2.48                                                                                                   |                                                                                                        |
| Rajasthan                                                                                              | 17,421.93                                                                                              | 16,474.21                                                                                              | 947.72                                                                                                 |                                                                                                        |
| Sikkim                                                                                                 | 0.03                                                                                                   | 0.02                                                                                                   | 0.01                                                                                                   |                                                                                                        |
| Tamil Nadu                                                                                             | 5,225.14                                                                                               | 5,207.59                                                                                               | 17.56                                                                                                  |                                                                                                        |
| Telangana                                                                                              | -                                                                                                      | -                                                                                                      | -                                                                                                      |                                                                                                        |
| Tripura                                                                                                | 9.87                                                                                                   | 9.57                                                                                                   | 0.29                                                                                                   |                                                                                                        |
| Uttar Pradesh                                                                                          | 3,208.86                                                                                               | 3,157.58                                                                                               | 51.27                                                                                                  |                                                                                                        |
| Uttarakhand                                                                                            | 966.13                                                                                                 | 965.74                                                                                                 | 0.39                                                                                                   |                                                                                                        |
| Total                                                                                                  | 91711.854                                                                                              | 86306.61247                                                                                            | 5405.241                                                                                               |                                                                                                        |

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