Lok Sabha Question No. 304 (UNSTARRED), answered on 2025-02-04
Subject: Insurance Claims by Farmers
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri Rahul Kaswan

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

## LOK SABHA UNSTARRED QUESTION NO. 304

TO BE ANSWERED ON THE 4 TH  FEBRUARY, 2025

## INSURANCE CLAIMS BY FARMERS

304. SHRI RAHUL KASWAN:

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

(a) the number of farmers who have availed the claims of crop insurance in Rajasthan during the last five years, district-wise; (b) the number and percentage of farmers who insured crops through PM-FBY in the last five years, State-wise; (c) the steps taken under schemes such as the Pradhan Mantri-Fasal Bima Yojana (PM-FBY) to reduce insurance coverage gaps between the rich and the Small and Marginal Farmers (SMF); (d) whether PM-FBY has enhanced the income security of farmers; (e) whether the premium share of the farmers on insurance is affordable for SMFs and if so, the details thereof; and (f) whether the coverage of crop insurance is universal in India and if not, the specific follow-

- up action taken by the Government in this regard?

## ANSWER

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

- (a): The farmer applications who have availed the claims of crop insurance under Pradhan Mantri  Fasal  Bima  Yojana  (PMFBY)  and  Restructured  Weather  Based  Crop  Insurance Scheme (RWBCIS) in Rajasthan from 2019 to 2024, district-wise is given in Annexure -1.

(b): The number of farmer applications under PMFBY and RWBCIS has grown by 35.12% and 27.50% year-on-year during 2022-23 and 2023-24, respectively, and has reached an alltime  high  during  2023-24  since  the  inception  of  the  scheme.  The  number  of  farmer applications  under  PMFBY  and  RWBCIS  from  2019  to  2024  State-wise  is  given  at Annexure-2.

(c) & (d): 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, PMFBY and 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.   PMFBY is available to  all  farmers  who  insure  their  crops  as  per  the  provisions  of  the  Scheme.  However,  the scheme is voluntary for farmers and State Governments.

(e) & (f): The  actuarial/bidded  premium  rates  are  charged  by  implementing  agencies. 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.     Further, due  to  various  interventions  of  Govt.  of  India,  the  premium  rates  under  the  scheme  has reduced  significantly  due  to  which  some  States  like  Maharashtra,  Odisha,  Meghalaya, Puducherry and Jharkhand are paying farmers' share of premium whereas the farmers are required  to  pay  1  rupee  only.  This  is  a  step  towards  universalization  of  the  scheme. Remaining part of actuarial premium is shared by the Central and State Government on 50:50 basis except North Eastern States (from Kharif 2020) and  Himalayan States (from Kharif 2023) where it is shared in the ratio of 90:10.

Annexure -1 District-wise details of farmer applications who have availed the claims of crop insurance in

Rajasthan from 2019-20 to 2023-24

| District       | Farmer Applications to whom Claims paid under PMFBY/RWBCIS   | Farmer Applications to whom Claims paid under PMFBY/RWBCIS   | Farmer Applications to whom Claims paid under PMFBY/RWBCIS   | Farmer Applications to whom Claims paid under PMFBY/RWBCIS   | Farmer Applications to whom Claims paid under PMFBY/RWBCIS   |
|----------------|--------------------------------------------------------------|--------------------------------------------------------------|--------------------------------------------------------------|--------------------------------------------------------------|--------------------------------------------------------------|
| District       | 2019-20                                                      | 2020-21                                                      | (No.) 2021-22                                                | 2022-23                                                      | 2023-24                                                      |
| Ajmer          | 48,010                                                       | 39,445                                                       | 76,561                                                       | 89,315                                                       | 1,03,912                                                     |
| Alwar          | 67,758                                                       | 15,747                                                       | 2,514                                                        | 37,585                                                       | 2,168                                                        |
| Banswara       | 35,285                                                       | 4,555                                                        | 13,139                                                       | 12,569                                                       | 9,356                                                        |
| Baran          | 41,628                                                       | 38,537                                                       | 59,655                                                       | 20,786                                                       | 9,395                                                        |
| Barmer         | 1,17,845                                                     | 1,43,193                                                     | 5,30,202                                                     | 1,52,481                                                     | 3,57,456                                                     |
| Bharatpur      | 43,607                                                       | 6,761                                                        | 15,133                                                       | 47,278                                                       | 4,203                                                        |
| Bhilwara       | 87,585                                                       | 1,03,159                                                     | 1,40,420                                                     | 95,872                                                       | 1,05,947                                                     |
| Bikaner        | 1,10,911                                                     | 2,11,203                                                     | 2,67,995                                                     | 1,01,439                                                     | 67,632                                                       |
| Bundi          | 59,231                                                       | 72,508                                                       | 70,729                                                       | 44,193                                                       | 9,587                                                        |
| Chittaurgarh   | 1,22,597                                                     | 56,774                                                       | 1,24,936                                                     |                                                              |                                                              |
| Chittorgarh    |                                                              |                                                              |                                                              | 1,29,059                                                     | 1,38,887                                                     |
| Churu          | 2,57,302                                                     | 2,91,895                                                     | 2,64,576                                                     | 3,56,924                                                     | 38,244                                                       |
| Dausa          | 15,527                                                       | 12,532                                                       | 90                                                           | 7,836                                                        | 2,955                                                        |
| Dhaulpur       | 3,349                                                        | 66                                                           | 961                                                          |                                                              |                                                              |
| Dholpur        |                                                              |                                                              |                                                              | 1,518                                                        | 254                                                          |
| Dungarpur      | 18,978                                                       | 14,536                                                       | 16,862                                                       | 25,021                                                       | 9,715                                                        |
| Hanumangarh    | 1,77,117                                                     | 2,31,777                                                     | 2,50,335                                                     | 2,18,984                                                     | 94,632                                                       |
| Jaipur         | 50,220                                                       | 50,166                                                       | 50,589                                                       | 76,582                                                       | 1,02,835                                                     |
| Jaisalmer      | 51,375                                                       | 65,289                                                       | 40,355                                                       | 31,220                                                       | 35,188                                                       |
| Jalor          | 1,08,491                                                     | 1,27,656                                                     | 3,37,612                                                     |                                                              |                                                              |
| Jalore         |                                                              |                                                              |                                                              | 2,09,275                                                     | 72,150                                                       |
| Jhalawar       | 1,16,138                                                     | 1,35,414                                                     | 1,17,951                                                     | 88,815                                                       | 21,217                                                       |
| Jhunjhunu      | 1,24,499                                                     | 99,426                                                       | 1,86,095                                                     | 1,92,809                                                     | 76,186                                                       |
| Jodhpur        | 82,488                                                       | 81,992                                                       | 2,55,539                                                     | 1,51,266                                                     | 2,05,358                                                     |
| Karauli        | 5,830                                                        | 3,642                                                        | 6,652                                                        | 2,516                                                        | 137                                                          |
| Kota           | 54,449                                                       | 16,234                                                       | 59,719                                                       | 44,217                                                       | 5,734                                                        |
| Nagaur         | 91,844                                                       | 63,827                                                       | 1,51,289                                                     | 1,00,352                                                     | 1,06,183                                                     |
| Pali           | 47,864                                                       | 36,536                                                       | 1,26,373                                                     | 25,778                                                       | 76,189                                                       |
| Pratapgarh     | 38,186                                                       | 27,624                                                       | 25,578                                                       | 23,205                                                       | 22,994                                                       |
| Rajsamand      | 10,060                                                       | 6,526                                                        | 1,367                                                        | 6,131                                                        | 1,649                                                        |
| Sawai Madhopur | 36,337                                                       | 16,183                                                       | 24,010                                                       | 35,526                                                       | 21,775                                                       |
| Sikar          | 85,866                                                       | 57,567                                                       | 74,066                                                       | 1,94,480                                                     | 1,30,719                                                     |
| Sirohi         | 5,133                                                        | 3,350                                                        | 25,001                                                       | 2,220                                                        | 8,082                                                        |
| Sri Ganganagar | 86,501                                                       | 92,744                                                       | 1,01,704                                                     | 53,902                                                       | 53,188                                                       |
| Tonk           | 65,336                                                       | 57,600                                                       | 33,272                                                       | 1,10,177                                                     | 6,540                                                        |
| Udaipur        | 30,276                                                       | 29,439                                                       | 42,055                                                       | 38,748                                                       | 5,785                                                        |
| Total          | 22,97,623                                                    | 22,13,903                                                    | 34,93,335                                                    | 27,28,079                                                    | 19,06,252                                                    |

Annexure -2 State-wise details of farmer applications insured under PMFBY/RWBCIS from 2019-20 to 2023-24

| State            | Numbers     | Numbers     | Numbers     | Numbers      | Numbers      |
|------------------|-------------|-------------|-------------|--------------|--------------|
| State            | 2019-20     | 2020-21     | 2021-22     | 2022-23      | 2023-24      |
| A & N Islands    | 99          | 339         | 535         | 173          | 187          |
| Andhra Pradesh   | 27,88,373   |             |             | 1,25,63,699  | 1,29,01,749  |
| Assam            | 10,06,212   | 16,60,076   | 9,96,027    | 4,89,983     | 7,95,553     |
| Chhattisgarh     | 40,17,118   | 51,58,351   | 58,38,755   | 77,30,260    | 81,24,956    |
| Goa              | 886         | 84          | 64          | 403          | 234          |
| Gujarat          | 24,80,726   |             |             |              |              |
| Haryana          | 17,10,601   | 16,50,558   | 14,52,842   | 14,46,631    | 1,01,74,480  |
| Himachal Pradesh | 2,84,009    | 2,40,727    | 2,33,725    | 2,67,643     | 2,78,051     |
| Jammu & Kashmir  |             |             | 90,834      | 91,582       | 2,45,630     |
| Jharkhand        | 10,92,116   |             |             |              |              |
| Karnataka        | 19,45,207   | 15,87,801   | 19,17,808   | 26,84,781    | 30,15,023    |
| Kerala           | 58,135      | 76,317      | 98,510      | 1,46,546     | 1,74,141     |
| Madhya Pradesh   | 83,97,265   | 84,52,044   | 92,64,216   | 1,77,32,045  | 1,77,95,819  |
| Maharashtra      | 1,45,66,294 | 1,24,06,368 | 99,02,582   | 1,07,33,909  | 2,41,85,161  |
| Manipur          | 3,256       | -           | 2,807       | 4,066        | 5,073        |
| Meghalaya        | 607         | 130         |             | 337          | 38,569       |
| Odisha           | 48,79,301   | 97,52,474   | 81,73,856   | 80,20,763    | 1,40,97,157  |
| Puducherry       | 12,014      | 10,980      | 35,818      | 38,384       | 42,224       |
| Rajasthan        | 86,16,616   | 1,07,59,591 | 3,44,70,735 | 3,90,96,690  | 3,89,87,544  |
| Sikkim           | 21          | 85          | 2,422       | 5,025        | 3,104        |
| Tamil Nadu       | 38,93,787   | 58,87,474   | 59,11,015   | 61,43,139    | 54,55,753    |
| Telangana        | 10,34,223   |             |             |              |              |
| Tripura          | 36,382      | 2,57,236    | 3,35,514    | 3,56,201     | 3,73,362     |
| Uttar Pradesh    | 46,97,567   | 41,90,508   | 40,68,679   | 42,83,804    | 60,25,293    |
| Uttarakhand      | 2,12,675    | 1,70,812    | 1,82,762    | 2,82,068     | 2,26,809     |
| Total            | 6,17,33,490 | 6,22,61,955 | 8,29,79,506 | 11,21,18,132 | 14,29,45,872 |

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