Lok Sabha Question No. 2608 (UNSTARRED), answered on 2025-12-16
Subject: Farmers Received Compensation under PMFBY
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri Bapi Haldar

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

## LOK SABHA UNSTARRED QUESTION NO. 2608

TO BE ANSWERED ON THE 16 th  DECEMBER, 2025

## FARMERS RECEIVED COMPENSATION UNDER PMFBY

## 2608. SHRI BAPI HALDAR:

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

- (a) the  number  of  farmers  and  the  amount  received  as  compensation  under  Pradhan Mantri Fasal Bima Yojana (PMFBY) during the last five years, State-wise and year-wise;
- (b) whether farmers have been facing any problems in claiming compensation, if so, the details thereof;
- (c) the average number of days between claim made and receival of compensation; and
- (d) the  measures  taken  by  the  Government  to  make  the  process  of  insurance  claim settlement simple and time-bound?

## ANSWER

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

- (a): State-wise and Year-wise details of number of farmer applications enrolled, claims paid  and  number  of  farmer  applications  benefitted  from  2020-21  to  2024-25  under  the Pradhan Mantri Fasal Bima Yojana (PMFBY) are given in Annexure-I and II respectively.
- (b) & (c): As per provisions  contained in the  Operational Guidelines  of  the Pradhan Mantri Fasal Bima Yojana (PMFBY),  majority of the claims are settled within the stipulated timelines i.e within 21 days of the receipt of requisite yield data from the concerned State Government,    by  the  insurance  companies.    However,  during  the  implementation  of PMFBY, some complaints were received  in the  past  about  payment of  claims  which  are primarily on account of (a) delay in providing State Government share of subsidy  (b) nonpayment/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.
- (d): Government has taken various steps to strengthen implementation of this scheme all over India to 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 NCIP with Public Finance Management System (PFMS) and accounting system of Insurance Companies to provide timely & transparent processing of all claims.
-  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.
-  As per the Operational Guidelines of PMFBY, in case payment is not made timely by Insurance Company, a penalty  of 12% is auto-calculated  and levied through National Crop Insurance Portal (NCIP) w.e.f. Kharif 2024.
-  Similarly, if  State  Government delayed its  premium subsidy from stipulated time period, a penalty of 12% is to be paid by them also.
-  Tranche based claims payment has been initiated from 2025-26.
-  Also,  towards  leveraging  technology  in  implementation  of  the  scheme,  various steps like capturing of yield data/Crop Cutting Experiments (CCEs) data through CCE-Agri  App  &  uploading  it  on  the  NCIP,  allowing  insurance  companies  to witness  the  conduct  of  CCEs,  integration  of  State  land  records  with  NCIP  etc. have already been taken to improve timely settlement of the claims to farmers.
-  The Government has actively supported the awareness activities being carried out by  the  States,  implementing  Insurance  Companies,  financial  institutions,  and Common Service Centres (CSCs) network to disseminate key features of PMFBY amongst farmers and members of Panchayati Raj Institutions (PRIs).
-  Structured awareness campaign 'Crop Insurance Week/Fasal Bima Saptah' has been  initiated  by  the  Ministry  of  Agriculture  and  Farmers  Welfare  since  Kharif 2021 season onwards.  Along  with  this,  'Fasal  Bima  Pathshalas'  are  also  being organized at village/GP level for knowledge building of farmers on various aspects of scheme implementation.
-  Government had also organized a nationwide Doorstep Crop Insurance Policy/receipt Distribution mega drive - 'Meri Policy Mere Haath'. Hard copies of crop insurance policy  receipts  are  distributed to  farmers  enrolled  under PMFBY through special camps at gram Panchayat/village level.

Following  technologies  for  Objective  Crop  Damage  &  Loss  Assessment  and transparency have also been implemented 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-I

PMFBY & RWBCIS: State Wise Details of Application Enrolled, Paid Claims and Application Benefitted from 2020-21 to 2024-25 (as on 31 st October, 2025)

| State/UT Name    | Application Enrolled   | Paid Claims    | Farmers Application Benefitted   |
|------------------|------------------------|----------------|----------------------------------|
| State/UT Name    | (In No.)               | (Rs. In Crore) | (In No.)                         |
| A & N Islands    | 1,413                  | 0.02           | 86                               |
| Andhra Pradesh   | 3,48,75,727            | 747.08         | 14,57,780                        |
| Assam            | 50,95,937              | 605.74         | 8,47,219                         |
| Chhattisgarh     | 3,49,34,309            | 3,709.21       | 82,22,424                        |
| Goa              | 1,371                  | 0.01           | 70                               |
| Haryana          | 3,30,14,711            | 5,957.76       | 66,75,269                        |
| Himachal Pradesh | 13,55,624              | 374.95         | 5,74,975                         |
| Jammu & Kashmir  | 6,36,073               | 119.91         | 2,13,993                         |
| Jharkhand        | 27,02,750              | -              | -                                |
| Karnataka        | 1,29,95,086            | 10,006.16      | 74,65,914                        |
| Kerala           | 7,15,122               | 572.99         | 4,00,586                         |
| Madhya Pradesh   | 7,17,51,158            | 13,863.37      | 2,10,28,519                      |
| Maharashtra      | 7,92,47,032            | 26,342.00      | 3,69,07,277                      |
| Manipur          | 16,565                 | 6.73           | 12,473                           |
| Meghalaya        | 87,127                 | 24.05          | 33,195                           |
| Odisha           | 5,47,87,922            | 2,579.54       | 84,74,312                        |
| Puducherry       | 1,76,266               | 10.78          | 30,959                           |
| Rajasthan        | 15,98,80,717           | 18,851.16      | 3,89,75,706                      |
| Sikkim           | 11,305                 | 0.03           | 41                               |
| Tamil Nadu       | 2,87,60,131            | 5,829.86       | 1,17,74,309                      |
| Tripura          | 13,38,763              | 9.67           | 1,17,331                         |
| Uttar Pradesh    | 2,93,87,768            | 3,311.67       | 58,43,071                        |
| Uttarakhand      | 11,10,625              | 968.50         | 6,93,560                         |
| Total            | 55,28,83,502           | 93,891.19      | 14,97,49,069                     |

Annexure-II

| PMFBY & RWBCIS: State Wise Details of Application Enrolled, Paid Claims and Application Benefitted from 2020-21 to 2024-25 (as on 31 st October, 2025)   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------|

| Year    | Application Enrolled   | Paid Claims    | Farmers Application Benefitted   |
|---------|------------------------|----------------|----------------------------------|
|         | (In No.)               | (Rs. In Crore) | (In No.)                         |
| 2020-21 | 6,24,55,870            | 20,457.76      | 1,93,44,233                      |
| 2021-22 | 8,29,80,129            | 20,563.65      | 3,43,65,103                      |
| 2022-23 | 11,24,87,613           | 19,840.78      | 3,28,08,066                      |
| 2023-24 | 14,35,72,488           | 20,773.33      | 3,70,64,583                      |
| 2024-25 | 15,13,87,403           | 12,255.67      | 2,61,67,084                      |
| Total   | 55,28,83,503           | 93,891.19      | 14,97,49,069                     |

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