Lok Sabha Question No. 2609 (UNSTARRED), answered on 2023-12-19
Subject: Applications under PMFBY
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Jayant Sinha, Dulal Chandra Goswami

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

## LOK SABHA UNSTARRED QUESTION NO. 2609

TO BE ANSWERED ON THE 19 TH  DECEMBER, 2023

## APPLICATIONS UNDER PMFBY

2609.  SHRI JAYANT SINHA: SHRI DULAL CHANDRA GOSWAMI:

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

(a) whether the Government proposes to amend Pradhan Mantri Fasal Bima Yojana (PMFBY) according to the recent climate and technical changes and if so, the details thereof;

- (b) whether the Government is formulating any effective policy to provide adequate insurance security to the farmers and to emphasize on the insurance on village and agricultural products as farming is directly impacted by the natural disasters like the one in 2022 and if so, the time by which the said policy is likely to be formulated;
- (c) the  number of applications received and approved under the PMFBY, year and State-wise;
- (d) the total premium paid under the aforementioned scheme, year and State-wise and the total applications  under  the  said  scheme  and  their  cumulative  insurance compensation amount, and the amount  which was successfully claimed  under the aforementioned scheme, year and State-wise;
- (e) the timeline that is followed for the disbursal of claimed insurance amount, and the steps taken to enhance efficiency; and
- (f)  whether there is any proposal from Jharkhand to join the scheme and if so, the details thereof?

## ANSWER

MINISTER OF AGRICULTURE AND FARMERS WELFARE क ृ िष एवं िकसान कʞाण मंũी (SHRI ARJUN MUNDA)

- (a) & (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  after

consultation  with  various  stakeholders.    Accordingly,  guidelines  in  Pradhan  Mantri Fasal Bima Yojana (PMFBY) have been revised in Rabi 2018, Kharif 2020 and Kharif 2023  seasons.        At  present,  there  is  no  proposal  under  consideration  of  the Government  for  revision  of  guidelines  of  PMFBY.      Government  is  committed  to provide  financial  security  to  farmers  against  the  crop  loss  due  to  adverse  climatic conditions.   In order to secure the farmers against the crop yield losses due to natural risks/calamities, adverse weather conditions, pests & diseases etc. two major crop insurance  schemes  namely,  Pradhan  Mantri  Fasal  Bima  Yojana  (PMFBY)  and Restructured Weather Based Crop Insurance Scheme  (RWBCIS)  are being implemented by the Government.   PMFBY provides comprehensive risk coverage from pre-sowing to post harvest losses against non-preventable natural risks, whereas the RWBCIS provides indemnification for likely crop losses due to deviation in weather indices.

(c) & (d) : State-wise details of number of farmer applications enrolled, GOI share in premium and claims paid from 2018-19 to 2022-23 under the scheme are Annexed.

(e) : As per guidelines, the admissible claims under the PMFBY are required to be paid by  the  concerned  insurance  companies  within  two  months  of  completion  of  Crop Cutting  Experiments  (CCEs)/harvesting  period  and  one  month  of  notification  for invoking the risks/perils of prevented sowing, mid-season adversity and post-harvest losses  subject to  receipt  of  total  share  of  premium  subsidy  from  concerned Government  within  time.    For  timely  settlement  of  claims  of  farmers,  a  Digiclaim module has been developed on National Crop Insurance Portal (NCIP) integrating the Public Finance Management System (PFMS) platform.

Further, Government has taken various measures like (a)  increase in tenure to 3 years for selection of insurance company through bidding process; (b) introduction of three risk sharing models (Profit and Loss Sharing, Cup and Cap (60-130), Cup and Cap (80-110) under which if no claim is made then a portion of the premium paid by the State will go into the state treasury itself;  (c) infusion of improved technology National Crop Insurance Portal (NCIP), Yield Estimation System based on Technology (YES-TECH), Weather Information Network and Data System (WINDS), Collection of Real time Observations and  Photographs  of  Crops (CROPIC),  integration  of State Land Records with NCIP, Digiclaim module on NCIP to work out and settle the claims directly  to farmers account using Public Finance Management System (PFMS); (d) increased IEC activities etc. to resolve the problems of farmers and to improve the implementation of the scheme.

(f) : Department  of Agriculture and  Farmer  Welfare  is persuading  the  nonimplementing States/UTs including Jharkhand to implement the PMFBY for the benefit of their farmers.  Jharkhand Government has shown positive response to rejoin the scheme during discussions.  However, no formal proposal has been received from State Government of Jharkhand in this regard.

*****

## Annexure

## State-wise details of number of farmer applications enrolled, premium collected and claims paid from 2019-19 to 2022-23 under PMFBY (as on 30.11.2023)

| State/Uts        | 2018-19                                  | 2018-19                       | 2018-19                 | 2019-20                                  | 2019-20                       | 2019-20                 | 2020-21                                  | 2020-21                       | 2020-21                 | 2021-22                                  | 2021-22                       | 2021-22                 | 2022-23                                  | 2022-23                       | 2022-23                 |
|------------------|------------------------------------------|-------------------------------|-------------------------|------------------------------------------|-------------------------------|-------------------------|------------------------------------------|-------------------------------|-------------------------|------------------------------------------|-------------------------------|-------------------------|------------------------------------------|-------------------------------|-------------------------|
| State/Uts        | Farmer Applica- tions Insured (in lakhs) | GOI Premium Share (in Crores) | Claims Paid (in Crores) | Farmer Applica- tions Insured (in lakhs) | GOI Premium Share (in Crores) | Claims Paid (in Crores) | Farmer Applica- tions Insured (in lakhs) | GOI Premium Share (in Crores) | Claims Paid (in Crores) | Farmer Applica- tions Insured (in lakhs) | GOI Premium Share (in Crores) | Claims Paid (in Crores) | Farmer Applica- tions Insured (in lakhs) | GOI Premium Share (in Crores) | Claims Paid (in Crores) |
| A & N Islands    | 0.01                                     | 0.10                          | 0.09                    | 0.00                                     | 0.01                          | 0.00                    | 0.00                                     | 0.06                          | 0.00                    | 0.01                                     | 0.09                          | 0.00                    | 0.00                                     | 0.01                          | 0.00                    |
| Andhra Pradesh   | 24.46                                    | 588.07                        | 1,890.37                | 27.88                                    | 503.35                        | 1,253.33                | Not Implemented                          | Not Implemented               | Not Implemented         | Not Implemented                          | Not Implemented               |                         | 175.40                                   | 1,111.74                      | 556.29                  |
| Assam            | 0.76                                     | 3.56                          | 2.79                    | 10.06                                    | 24.62                         | 107.30                  | 16.60                                    | 105.60                        | 192.19                  | 9.96                                     | 84.76                         | 229.05                  | 4.90                                     | 64.50                         | 4.26                    |
| Chhattisgarh     | 15.74                                    | 364.02                        | 1,087.29                | 40.20                                    | 532.89                        | 1,303.71                | 51.63                                    | 623.90                        | 885.93                  | 58.39                                    | 620.76                        | 1,429.77                | 77.24                                    | 702.12                        | 507.65                  |
| Goa              | 0.00                                     | 0.00                          | 0.10                    | 0.01                                     | 0.01                          | 0.01                    | 0.00                                     | 0.00                          | 0.00                    | 0.00                                     | 0.00                          | 0.00                    | 0.00                                     | 0.00                          | 0.00                    |
| Gujarat          | 21.71                                    | 1,369.42                      | 2,777.88                | 24.81                                    | 1,573.49                      | 240.31                  | Not Implemented                          | Not Implemented               | Not Implemented         | Not Implemented                          | Not Implemented               | Not Implemented         | Not Implemented                          | Not Implemented               | Not Implemented         |
| Haryana          | 15.10                                    | 262.48                        | 948.31                  | 17.11                                    | 421.49                        | 938.00                  | 16.51                                    | 482.13                        | 1,285.39                | 14.53                                    | 447.70                        | 1,698.22                | 14.46                                    | 480.76                        | 1,891.38                |
| Himachal Pradesh | 2.70                                     | 24.73                         | 55.01                   | 2.84                                     | 26.23                         | 67.55                   | 2.41                                     | 36.54                         | 81.78                   | 2.34                                     | 35.12                         | 39.89                   | 2.67                                     | 37.96                         | 14.32                   |
| Jammu & Kashmir  | 1.54                                     | 30.00                         | 23.64                   |                                          |                               | Not                     | Implemented                              |                               |                         | 0.91                                     | 16.73                         | 56.05                   | 0.92                                     | 17.00                         | 3.49                    |
| Jharkhand        | 12.95                                    | 164.80                        | 773.30                  | 10.92                                    | 140.92                        | 27.46                   | 0.00                                     | 0.00                          | 0.00                    |                                          | Not Implemented               | Not Implemented         |                                          |                               |                         |
| Karnataka        | 19.67                                    | 787.34                        | 2,986.78                | 19.84                                    | 1,002.73                      | 1,513.08                | 16.07                                    | 819.26                        | 1,027.45                | 19.34                                    | 877.95                        | 1,490.19                | 26.45                                    | 1,075.53                      | 1,463.79                |
| Kerala           | 0.57                                     | 14.88                         | 26.77                   | 0.58                                     | 33.19                         | 88.92                   | 0.76                                     | 38.19                         | 125.33                  | 0.99                                     | 47.16                         | 95.18                   | 1.47                                     | 63.62                         | 2.01                    |
| Madhya Pradesh   | 74.43                                    | 2,346.56                      | 3,785.82                | 82.38                                    | 1,638.44                      | 6,195.88                | 84.41                                    | 3,151.30                      | 7,791.32                | 92.67                                    | 2,965.73                      | 2,907.22                | 177.26                                   | 1,577.54                      | 862.88                  |
| Maharashtra      | 148.70                                   | 2,663.53                      | 6,144.12                | 145.66                                   | 2,734.82                      | 6,758.23                | 124.06                                   | 2,719.55                      | 1,486.46                | 99.03                                    | 2,455.89                      | 4,389.29                | 107.44                                   | 2,312.37                      | 3,402.41                |
| Manipur          | 0.01                                     | 0.05                          | 0.00                    | 0.03                                     | 0.46                          | 1.14                    | 0.00                                     | 0.00                          | 0.00                    | 0.03                                     | 1.12                          | 1.48                    | 0.04                                     | 1.29                          | 1.43                    |
| Meghalaya        | 0.01                                     | 0.02                          | 0.22                    | 0.01                                     | 0.00                          | 0.18                    | 0.00                                     | 0.00                          | 0.07                    | 0.00                                     |                               | 0.00                    | 0.00                                     | 0.04                          | 0.00                    |
| Odisha           | 21.06                                    | 474.73                        | 1,170.50                | 48.79                                    | 947.25                        | 1,157.96                | 97.52                                    | 639.84                        | 572.44                  | 81.70                                    | 574.28                        | 1,041.22                | 80.06                                    | 567.59                        | 497.10                  |
| Puducherry       | 0.10                                     | 0.97                          | 0.45                    | 0.12                                     | 1.56                          | 7.13                    | 0.11                                     | 1.74                          | 13.39                   | 0.36                                     | 2.60                          | 0.00                    | 0.31                                     | 2.01                          | 0.00                    |
| Rajasthan        | 72.12                                    | 1,502.54                      | 3,454.27                | 86.17                                    | 2,196.98                      | 5,025.13                | 107.59                                   | 2,624.76                      | 4,351.15                | 345.31                                   | 2,560.46                      | 5,130.27                | 390.74                                   | 2,586.73                      | 3,534.57                |
| Sikkim           | 0.00                                     | 0.00                          | 0.00                    | 0.00                                     | 0.00                          | 0.00                    | 0.00                                     | 0.00                          | 0.02                    | 0.02                                     | 0.01                          | 0.53                    | 0.05                                     | 0.03                          | 0.00                    |
| Tamil Nadu       | 25.74                                    | 742.09                        | 2,663.90                | 38.94                                    | 891.14                        | 1,214.00                | 58.88                                    | 1,077.49                      | 2,678.26                | 59.14                                    | 1,107.11                      | 831.36                  | 61.60                                    | 1,061.98                      | 663.57                  |
| Telangana        | 7.99                                     | 194.77                        | 570.52                  | 10.34                                    | 320.64                        | 507.75                  |                                          |                               |                         | Not Implemented                          | Not Implemented               | Not Implemented         | Not Implemented                          | Not Implemented               | Not Implemented         |
| Tripura          | 0.02                                     | 0.02                          | 0.02                    | 0.36                                     | 0.16                          | 0.81                    | 2.57                                     | 1.90                          | 2.60                    | 3.36                                     | 3.80                          | 2.63                    | 3.21                                     | 4.34                          | 0.00                    |
| Uttar Pradesh    | 61.42                                    | 548.25                        | 469.17                  | 46.98                                    | 492.56                        | 1,084.56                | 41.90                                    | 640.91                        | 499.49                  | 40.67                                    | 612.45                        | 956.11                  | 42.53                                    | 626.70                        | 860.55                  |
| Uttarakhand      | 1.93                                     | 27.03                         | 72.38                   | 2.13                                     | 42.75                         | 103.24                  | 1.71                                     | 65.60                         | 134.86                  | 1.83                                     | 80.49                         | 109.91                  | 2.82                                     | 117.37                        | 106.04                  |
| West Bengal      | 53.19                                    | 206.06                        | 535.73                  |                                          |                               |                         | Not Implemented                          | Not Implemented               | Not Implemented         | Not Implemented                          | Not Implemented               | Not Implemented         | Not Implemented                          | Not Implemented               | Not Implemented         |
| Total            | 581.93                                   | 12,316.02                     | 29,439.40               | 616.15                                   | 13,525.68                     | 27,595.68               | 622.74                                   | 13,028.75                     | 21,128.14               | 830.56                                   | 12,494.20                     | 20,408.39               | 1,169.56                                 | 12,411.23                     | 14,371.75               |

Rounded to lakhs/crores, hence shown as 0