Lok Sabha Question No. 1256 (UNSTARRED), answered on 2025-02-11
Subject: Pradhan Mantri Fasal Bima Yojana
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri Imran Masood

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

## LOK SABHA UNSTARRED QUESTION NO. 1256

TO BE ANSWERED ON THE 11 TH  FEBRUARY, 2025

## PRADHAN MANTRI FASAL BIMA YOJANA

1256.  SHRI IMRAN MASOOD:

Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ ͪष एवं ͩकसान कãयाण मंğी be pleased to state:

- (a) the details of total premium paid, total insurance compensation amount claimed and total insurance amount accepted and successfully distributed among claimants under Pradhan Mantri  Fasal  Bima  Yojana  (PMFBY)  during  the  last  five  years,  year-wise,  State-wise  and district-wise particularly in Saharanpur district of Uttar Pradesh; and
- (b) whether the Government proposes to make any amendment in the PMFBY and if so, the details thereof?

## ANSWER

THE MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE कृ ͪष एवं ͩकसान कãयाण राÏय मंğी (SHRI RAMNATH THAKUR)

(a): Under the Pradhan Mantri Fasal Bima Yojana (PMFBY), actuarial/bidded premium rates are charged by implementing agencies. As per Operational Guidelines, 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 for North Eastern States (from Kharif 2020) and Himalayan States (from Kharif 2023) where it is shared in the ratio of 90:10. 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. States have been given the flexibility to choose any one of these models.

As per provisions of the PMFBY/RWBCIS, premium from farmers alongwith Central and State Government share in premium subsidy is paid to the concerned insurance company for acceptance of risk and payment of claims as per provisions of scheme.  Insurers save premium in good seasons/years and pay high claims, if any in bad years from the savings made in the good years

State-wise details  of total  premium paid  by farmers and total claims paid to farmers under  the  provisions  of  Pradhan  Mantri  Fasal  Bima  Yojana  (PMFBY)  are  at Annexure-I .

Year-wise  and  District-wise  (including  Sharanpur  district)  details  of  total  premium  paid  by farmers  and  total  claims  paid  to  farmers  in  Uttar  Pradesh  under  PMFBY    are  given  in Annexure-II & III respectively.

(b): The review/revisions / rationalization / improvements in the crop insurance schemes is a continuous process and decision on suggestion/ representations/ recommendations of the stakeholders/studies are taken from time to time.  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 transparent.

## Cumulative State-wise details of total Premium paid by Farmers and total claims paid to farmers during last five years (from 2019-20 to 2023-24)

| State/UT          | Farmers Share in premium   | Paid Claims    |
|-------------------|----------------------------|----------------|
|                   | (Rs. In Lakh)              | (Rs. In Lakh)  |
| A & N Islands     | 2.79                       | -              |
| Andhra Pradesh    | 7,833.28                   | 1,82,018.47    |
| Assam             | 1,080.17                   | 62,238.37      |
| Chhattisgarh      | 98,673.50                  | 4,67,640.84    |
| Goa               | 4.19                       | 0.77           |
| Gujarat           | 46,794.22                  | 49,047.58      |
| Haryana           | 1,42,228.61                | 6,65,909.42    |
| Himachal Pradesh  | 13,242.64                  | 27,585.87      |
| Jammu & Kashmir   | 3,018.24                   | 9,395.91       |
| Jharkhand         | 279.18                     | 2,775.32       |
| Karnataka         | 1,41,117.33                | 7,78,238.53    |
| Kerala            | 4,234.38                   | 48,614.27      |
| Madhya Pradesh    | 3,67,955.28                | 18,49,056.87   |
| Maharashtra       | 3,39,147.70                | 26,45,615.33   |
| Manipur           | 164.20                     | 622.36         |
| Meghalaya         | 16.63                      | 888.71         |
| Odisha            | 67,843.08                  | 3,55,307.01    |
| Puducherry        | 0.53                       | 3,200.19       |
| Rajasthan         | 4,32,881.11                | 20,83,011.67   |
| Sikkim            | 29.84                      | 55.54          |
| Tamil Nadu        | 83,087.04                  | 6,33,424.02    |
| Telangana         | 23,972.90                  | 50,796.44      |
| Tripura           | 242.56                     | 632.33         |
| Uttar Pradesh     | 1,50,753.80                | 3,92,199.34    |
| Uttarakhand       | 21,765.80                  | 61,468.22      |
| Total (All India) | 19,46,369.03               | 1,03,69,743.38 |

## Year-wise details of  total Premium paid by Farmers and total claims paid  to farmers during last five years (from 2019-20 to 2023-24) in Uttar Pradesh

| Year    | Farmers Share in premium   | Paid Claims   |
|---------|----------------------------|---------------|
|         | (Rs. In Lakh)              | (Rs. In Lakh) |
| 2019-20 | 32,187.12                  | 1,08,465.85   |
| 2020-21 | 33,044.66                  | 50,706.00     |
| 2021-22 | 28,470.22                  | 98,800.25     |
| 2022-23 | 28,618.55                  | 94,565.20     |
| 2023-24 | 28,433.26                  | 39,662.04     |
| Total   | 1,50,753.80                | 3,92,199.34   |

Annexure-III Cumulative details of total Premium paid by Farmers and total Claims Paid to farmers

## during last Five Years (from 2019-20 to 2023-24) in Uttar Pradesh Under PMFBY

| UP District         | Farmers Share   | Paid Claims       |
|---------------------|-----------------|-------------------|
|                     | (Rs. In Lakh)   | (Rs. In Lakh)     |
| Agra                | 2,116.88        | 841.92            |
| Aligarh             | 1,561.02        | 2,151.27          |
| Allahabad           | 2,115.19        | 1,432.81          |
| Ambedkar Nagar      | 1,395.23        | 1,396.36          |
| Amethi              | 2,086.08        | 2,078.21          |
| Amroha              | 192.46          | 93.37             |
| Auraiya             | 1,160.57        | 1,241.57          |
| Ayodhya             | 432.87          | 628.77            |
| Azamgarh            | 775.49          | 703.00            |
| Baghpat             | 33.74           | 6.94              |
| Bahraich            | 3,934.05        | 8,205.68          |
| Ballia              | 1,608.38        | 1,965.87          |
| Balrampur           | 543.94          | 1,666.95          |
| Banda               | 2,893.98        | 3,764.27          |
| Barabanki           | 6,002.67        | 12,685.20         |
| Bareilly            | 879.01          | 1,147.64          |
| Basti               | 2,799.78        | 3,193.29          |
| Bhadohi             | 338.06          | 674.50            |
| Bijnor              | 123.17          | 91.08             |
| Budaun              | 1,314.72        | 690.49            |
| Bulandshahr         | 2,080.11        | 1,630.79          |
| Chandauli           | 864.77          | 460.43            |
| Chitrakoot          | 1,286.32        | 1,829.73          |
| Deoria              | 1,943.47        | 1,731.53          |
| Etah                | 466.37          | 495.36            |
| Etawah              | 1,298.03        | 549.02            |
| Faizabad            | 955.01          | 1,045.57          |
| Farrukhabad         | 1,188.86        | 1,695.44          |
| Fatehpur            | 3,686.62        | 1,776.57          |
| Firozabad           | 1,405.36        | 1,137.92          |
| Gautam Buddha Nagar | 266.08          | 339.50            |
| Ghaziabad           | 59.46           | 51.78             |
| Ghazipur            | 1,429.25        | 1,592.55          |
| Gonda               | 637.99          | 959.81            |
| Gorakhpur           | 2,876.14        | 7,751.29          |
| Hamirpur            | 3,201.75        | 13,286.84         |
| Hapur               | 123.54          | 146.81            |
| Hardoi              | 2,644.87        | 2,710.55          |
| Hathras             | 984.08          | 231.95            |
| Jalaun              | 4,781.99        | 10,370.35         |
| Jaunpur             | 624.69          | 113.77            |
| Jhansi              | 12,170.12       | 60,667.80         |
| Kannauj             | 2,065.49        | 1,094.85          |
| Kanpur Dehat        | 3,296.20        | 2,607.61 2,056.48 |
| Kanpur Nagar        | 2,924.52        |                   |

| Kasganj          | 385.78      | 577.11      |
|------------------|-------------|-------------|
| Kaushambi        | 913.71      | 400.51      |
| Kheri            | 315.09      | 408.21      |
| Kushinagar       | 2,422.13    | 2,296.86    |
| Lalitpur         | 13,040.99   | 70,567.55   |
| Lucknow          | 956.61      | 1,122.10    |
| Maharajganj      | 2,609.80    | 2,993.55    |
| Mahoba           | 3,665.10    | 39,855.95   |
| Mainpuri         | 701.50      | 705.49      |
| Mathura          | 9,507.97    | 73,223.81   |
| Mau              | 437.04      | 803.01      |
| Meerut           | 43.29       | 22.90       |
| Mirzapur         | 3,396.95    | 7,793.00    |
| Moradabad        | 432.30      | 229.97      |
| Muzaffarnagar    | 45.92       | 53.53       |
| Pilibhit         | 1,352.19    | 1,018.44    |
| Pratapgarh       | 1,936.70    | 1,320.43    |
| Prayagraj        | 1,432.85    | 1,210.76    |
| Rae Bareli       | 4,311.07    | 1,098.32    |
| Rampur           | 1,448.10    | 830.17      |
| Saharanpur       | 128.63      | 102.77      |
| Sambhal          | 476.19      | 249.11      |
| Sant Kabir Nagar | 1,580.94    | 918.78      |
| Shahjahanpur     | 630.72      | 239.25      |
| Shamli           | 48.71       | 20.65       |
| Shravasti        | 732.35      | 1,915.96    |
| Shrawasti        | 797.08      | 2,207.66    |
| Siddharthnagar   | 2,834.32    | 6,016.11    |
| Sitapur          | 2,040.97    | 3,022.46    |
| Sonbhadra        | 2,344.44    | 4,959.73    |
| Sultanpur        | 1,419.40    | 534.04      |
| Unnao            | 2,281.45    | 3,411.39    |
| Varanasi         | 515.17      | 1,076.22    |
| UP Total         | 1,50,753.80 | 3,92,199.34 |

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