Lok Sabha Question No. 383 (UNSTARRED), answered on 2025-02-04
Subject: PMFBY in Tamil Nadu
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Dr. D Ravi Kumar

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

## LOK SABHA UNSTARRED QUESTION NO. 383

TO BE ANSWERED ON THE 4 TH  FEBRUARY, 2025

## PMFBY IN TAMIL NADU

383. DR. D RAVI KUMAR:

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

(a) the total premium collected by insurance companies under Pradhan Mantri Fasal Bima Yojana  (PMFBY) since the commencement of the scheme till  date,  year,  company  and State-wise particularly district-wise for Tamil Nadu;

(b) the total crop insurance claims paid by insurance companies to farmers under PMFBY since commencement of the scheme till date, year, company and State-wise particularly district-wise for Tamil Nadu;

(c) whether any irregularities have been reported against the insurance companies and if so, the action taken by the Government in this regard;

(d) the details of complaints filed by farmers and the action taken by the Government to resolve such complaints, year and State-wise; and

(e)  whether  the  Government  has  considered  removing  the  insurance  companies  and providing  an  assurance  based  model  where  the  Government  directly  pays  the  crop insurance payouts without insurance companies in the middle and if so, the details thereof?

## ANSWER

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

(a) &  (b)  :  Government  of  India  has  introduced  Pradhan  Mantri  Fasal  Bima  Yojana (PMFBY) and Restructured Weather Based Crop Insurance Scheme (RWBCIS) from Kharif 2016 season.  PMFBY provides for comprehensive risk insurance against crop damage from pre-sowing to post-harvest for food crops (cereals, millets and pulses), oilseeds and annual commercial horticultural crops notified by the concerned State Government.

The  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 North Eastern States (from Kharif 2020) and Himalayan States (from Kharif 2023) where it is shared in the ratio of 90:10 except in case of Alternate Risk Transfer Models, guidelines for which have been issued separately. Year-wise, District-wise and company-wise details of premium collected from farmers and claims  paid  from  2018-19  to  2023-24  in  Tamil  Nadu  under  Pradhan  Mantri  Fasal  Bima Yojana (PMFBY) are given in Annexure-I, II and III, respectively .

(c) & (d) : All the major work relating to the assessment of crop yield/crop loss for calculation of  admissible  claims  are  being  performed  by  the  concerned  State  Government  or  Joint Committee of State Government officials and concerned insurance company.  However, during implementation of the PMFBY, some complaints against insurance companies about non-payment  and  delayed  payment  of  claims;  under  payment  of  claims  on  account  of incorrect/delayed submission of insurance proposals by banks; discrepancy in yield data & consequent  disputes  between  State  Government  and  insurance  companies,    delay  in providing  State  Government  share  of  funds,  non-deployment  of  sufficient  personnel  by insurance companies etc.,  have been received in the past in the country.   Most of the complaints have been suitably addressed.

Since the scheme is implemented by the State Government, therefore, in order to resolve  the  grievances/complaints  including  those  related  to  claims  of  insured  farmers, provision  of  Stratified  Grievance  Redressal  Mechanism  viz.  District  Level  Grievance Redressal Committee (DGRC), State Level Grievance Redressal Committee (SGRC) has been made in the Revised Operational Guidelines of the Scheme.    These committees have been given the detailed mandate as outlined in the Operational Guidelines for hearing the complaints/ grievances   and to dispose them as per the stipulated procedure.

To further improve the grievance redressal mechanism, Krishi Rakshak Portal and Helpline (KRPH) has been developed and lunched in January, 2024.  A single Pan-India toll free number 14447 has been deployed and linked to the insurance companies database, where farmers can raise their grievances/issues. Timelines to resolve these grievances/issues has also been fixed.  This has helped the Central and State Governments to monitor the grievances of stakeholders at a unified platform.

(e) :  No such proposal is under consideration of the Government, at present.

Annexure-I

| Year-wise details of farmers premium collected and claims paid in Tamil Nadu under PMFBY on 31.12.2024(Rs. In Crore)   | Year-wise details of farmers premium collected and claims paid in Tamil Nadu under PMFBY on 31.12.2024(Rs. In Crore)   | Year-wise details of farmers premium collected and claims paid in Tamil Nadu under PMFBY on 31.12.2024(Rs. In Crore)   |
|------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------|
| Year                                                                                                                   | Farmer Premium Collected                                                                                               | Claims Paid                                                                                                            |
| 2018-19                                                                                                                | 170.01                                                                                                                 | 2,651.43                                                                                                               |
| 2019-20                                                                                                                | 177.54                                                                                                                 | 1,265.97                                                                                                               |
| 2020-21                                                                                                                | 176.08                                                                                                                 | 2,651.73                                                                                                               |
| 2021-22                                                                                                                | 166.93                                                                                                                 | 817.13                                                                                                                 |
| 2022-23                                                                                                                | 161.88                                                                                                                 | 916.03                                                                                                                 |
| 2023-24                                                                                                                | 149.32                                                                                                                 | 741.25                                                                                                                 |
| 2018-2023                                                                                                              | 1,001.75                                                                                                               | 9,043.53                                                                                                               |

## Annexure-II

| District-wise details of farmers premium collected and claims paid in Tamil Nadu under PMFBY during 2018-19 to 2023-24 as on 31.12.2024   | District-wise details of farmers premium collected and claims paid in Tamil Nadu under PMFBY during 2018-19 to 2023-24 as on 31.12.2024   | District-wise details of farmers premium collected and claims paid in Tamil Nadu under PMFBY during 2018-19 to 2023-24 as on 31.12.2024   |
|-------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                           | Farmer Premium Collected                                                                                                                  | Claims Paid                                                                                                                               |
| District name                                                                                                                             | in INR Crores                                                                                                                             | in INR Crores                                                                                                                             |
| Ariyalur                                                                                                                                  | 18.53                                                                                                                                     | 126.87                                                                                                                                    |
| Chengalpattu                                                                                                                              | 2.49                                                                                                                                      | 11.81                                                                                                                                     |
| Coimbatore                                                                                                                                | 2.12                                                                                                                                      | 12.59                                                                                                                                     |
| Cuddalore                                                                                                                                 | 57.25                                                                                                                                     | 458.36                                                                                                                                    |
| Dharmapuri                                                                                                                                | 9.03                                                                                                                                      | 58.72                                                                                                                                     |
| Dindigul                                                                                                                                  | 5.15                                                                                                                                      | 44.02                                                                                                                                     |
| Erode                                                                                                                                     | 10.49                                                                                                                                     | 10.55                                                                                                                                     |
| Kallakurichi                                                                                                                              | 16.46                                                                                                                                     | 133.45                                                                                                                                    |
| Kanchipuram                                                                                                                               | 10.96                                                                                                                                     | 100.40                                                                                                                                    |
| Kanniyakumari                                                                                                                             | 1.15                                                                                                                                      | 5.81                                                                                                                                      |
| Karur                                                                                                                                     | 7.64                                                                                                                                      | 56.16                                                                                                                                     |
| Krishnagiri                                                                                                                               | 1.07                                                                                                                                      | 8.60                                                                                                                                      |
| Madurai                                                                                                                                   | 12.23                                                                                                                                     | 58.75                                                                                                                                     |
| Mayiladuthurai                                                                                                                            | 28.93                                                                                                                                     | 179.34                                                                                                                                    |
| Nagapattinam                                                                                                                              | 84.71                                                                                                                                     | 765.19                                                                                                                                    |
| Namakkal                                                                                                                                  | 16.51                                                                                                                                     | 239.50                                                                                                                                    |
| Perambalur                                                                                                                                | 14.77                                                                                                                                     | 174.11                                                                                                                                    |
| Pudukkottai                                                                                                                               | 49.74                                                                                                                                     | 366.99                                                                                                                                    |
| Ramanathapuram                                                                                                                            | 70.20                                                                                                                                     | 875.30                                                                                                                                    |
| Ranipet                                                                                                                                   | 6.45                                                                                                                                      | 36.89                                                                                                                                     |
| Salem                                                                                                                                     | 7.53                                                                                                                                      | 62.56                                                                                                                                     |
| Sivaganga                                                                                                                                 | 40.67                                                                                                                                     | 357.06                                                                                                                                    |
| Tenkasi                                                                                                                                   | 9.64                                                                                                                                      | 97.39                                                                                                                                     |
| Thanjavur                                                                                                                                 | 97.52                                                                                                                                     | 915.81                                                                                                                                    |
| The Nilgiris                                                                                                                              | 3.97                                                                                                                                      | 6.67                                                                                                                                      |
| Theni                                                                                                                                     | 2.40                                                                                                                                      | 7.32                                                                                                                                      |
| Thiruvallur                                                                                                                               | 25.50                                                                                                                                     | 277.48                                                                                                                                    |
| Thiruvarur                                                                                                                                | 124.87                                                                                                                                    | 1,274.91                                                                                                                                  |
| Thoothukkudi                                                                                                                              | 45.94                                                                                                                                     | 600.33                                                                                                                                    |
| Tiruchirappalli                                                                                                                           | 29.82                                                                                                                                     | 209.90                                                                                                                                    |
| Tirunelveli                                                                                                                               | 9.80                                                                                                                                      | 94.87                                                                                                                                     |
| Tirupathur                                                                                                                                | 1.02                                                                                                                                      | 13.27                                                                                                                                     |
| Tiruppur                                                                                                                                  | 4.42                                                                                                                                      | 29.24                                                                                                                                     |
| Tiruvannamalai                                                                                                                            | 50.47                                                                                                                                     | 204.90                                                                                                                                    |
| Tuticorin                                                                                                                                 | 22.63                                                                                                                                     | 279.68                                                                                                                                    |
| Vellore                                                                                                                                   | 8.54                                                                                                                                      | 108.01                                                                                                                                    |
| Viluppuram                                                                                                                                | 58.15                                                                                                                                     | 420.04                                                                                                                                    |
| Virudhunagar                                                                                                                              | 32.99                                                                                                                                     | 360.69                                                                                                                                    |
| Total (2018-2023)                                                                                                                         | 1,001.75                                                                                                                                  | 9,043.53                                                                                                                                  |

## Annexure-III

| Company-wise details of farmers premium collected and claims paid in Tamil Nadu during 2018-19 to 2023-24 under PMFBY as on 31.12.2024   | Company-wise details of farmers premium collected and claims paid in Tamil Nadu during 2018-19 to 2023-24 under PMFBY as on 31.12.2024   | Company-wise details of farmers premium collected and claims paid in Tamil Nadu during 2018-19 to 2023-24 under PMFBY as on 31.12.2024   |
|------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------|
| Insurance Company                                                                                                                        | Farmer Premium Collected                                                                                                                 | Claims Paid                                                                                                                              |
|                                                                                                                                          | in INR Crores                                                                                                                            | in INR Crores                                                                                                                            |
| Agriculture Insurance Company                                                                                                            | 458.31                                                                                                                                   | 3,969.61                                                                                                                                 |
| Bajaj Allianz General Insurance Co. Ltd                                                                                                  | 29.80                                                                                                                                    | 136.55                                                                                                                                   |
| Cholamandalam Ms General Insurance Co. Ltd.                                                                                              | 39.99                                                                                                                                    | 365.30                                                                                                                                   |
| Future Generali India Insurance Co. Ltd.                                                                                                 | 7.88                                                                                                                                     | 36.76                                                                                                                                    |
| Hdfc Ergo General Insurance Co. Ltd.                                                                                                     | 45.87                                                                                                                                    | 251.49                                                                                                                                   |
| Iffco Tokio General Insurance Co. Ltd.                                                                                                   | 254.02                                                                                                                                   | 2,408.10                                                                                                                                 |
| New India Assurance Company                                                                                                              | 77.83                                                                                                                                    | 1,313.12                                                                                                                                 |
| Oriental Insurance                                                                                                                       | 66.36                                                                                                                                    | 532.64                                                                                                                                   |
| Reliance General Insurance Co. Ltd.                                                                                                      | 14.76                                                                                                                                    | 1.84                                                                                                                                     |
| Universal Sompo General Insurance Company                                                                                                | 6.93                                                                                                                                     | 28.12                                                                                                                                    |
| (2018-2023) Total                                                                                                                        | 1,001.75                                                                                                                                 | 9,043.53                                                                                                                                 |

*****