Lok Sabha Question No. 547 (UNSTARRED), answered on 2026-02-03
Subject: Crop Insurance Coverage in Uttar Pradesh
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Mrs Ruchi Vira

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

## LOK SABHA UNSTARRED QUESTION NO. 547

TO BE ANSWERED ON THE 03 RD  FEBRUARY, 2026

## CROP INSURANCE COVERAGE IN UTTAR PRADESH

## 547. MRS RUCHI VIRA:

Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ ͪष एवं ͩकसान कãयाण मंğी be pleased to state: (a)  whether  the  Government  has  examined  the  adequacy  of  crop  insurance  coverage, compensation for disaster and extension of agriculture services in Moradabad district of Uttar Pradesh, particularly in the flood affected and low-lying areas of Thakurdwara and Kundarki, where repeated instances of crop losses attributed to the incidence of floods, pest  attack  and climatic  uncertainties  have been  reported despite being  enrolled under various schemes; (b)  if  so,  the  details  of  the  status  of  settlement  of  insurance  claims,  the  grievance redressal mechanism, field verification processes in the district and the capacity-building measures undertaken by the Government to restore farmers' confidence in risk-mitigation schemes; and (c) if not, the reasons therefor?

## ANSWER

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

(a): Government is  committed  to  provide  adequate  financial  security  to  farmers  of  the country including Moradabad district of Uttar Pradesh 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., Pradhan Mantri Fasal Bima Yojana (PMFBY) is being implemented by the Government.    PMFBY provides comprehensive  risk  coverage  from  pre-sowing  to  post  harvest  losses against  nonpreventable  natural  risks,  whereas  the  RWBCIS  provides  indemnification  for  likely  crop losses due to deviation in weather indices.

The scheme is voluntary for the States as  well  as  farmers.    State  Government  of Uttar Pradesh is implementing the scheme since its inception in Kharif 2016 and notified the crop of black gram (Urad), paddy (Dhan) and pearl millet (Bajra) crops during Kharif 2025

O.I.H.

season  and  mustard,  potato  and  wheat  crops  during  Rabi  2025-26  season.    Details  of coverage  and  claims  in  Moradabad  district  from  2022-23  to  2024-25  under  PMFBY  are given below :

| Parameters                            | 2022-23   | 2023-24   | 2024-25   | Total   |
|---------------------------------------|-----------|-----------|-----------|---------|
| Farmer Applications Enrolled (In No.) | 16,435    | 14,742    | 22,900    | 54,077  |
| Insured Area (In Ha.)                 | 5,992     | 5,078     | 4,705     | 15,775  |
| Sum Insured (Rs. In Crore)            | 39.33     | 42.78     | 39.68     | 121.80  |
| Farmer Share (Rs. In Crore)           | 0.69      | 0.77      | 0.69      | 2.16    |
| Reported Claims (Rs. In Crore)        | 0.66      | 0.38      | 0.18      | 1.23    |
| Paid Claims (Rs. In Crore)            | 0.66      | 0.38      | 0.18      | 1.23    |
| Application Benefitted (In No.)       | 628       | 596       | 597       | 1,821   |

Further,  Central  Integrated  Pest  Management  Centre  (CIPMC)  in  Agra  under  the aegis of this Department has conducted one hundred surveys in 2024-25 and 120 surveys in  2025-26  in  Moradabad  for  sugarcane,  paddy  and  wheat  crops.    The  pest  intensity reported to trace level.  Awareness trainings are being conducted by the CIPMC from time to time.

(b) & (c): Government  has  taken  various  steps  to  strengthen  implementation  of  this scheme all over India including districts of Uttar Pradesh 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.

To  further  improve  the  grievance  redressal  mechanism  already  provided  in  the Operational  Guidelines  of  the  scheme,  Krishi  Rakshak  Portal  and  Helpline  (KRPH)  has been developed.  A single Pan-India toll free number 14447 has been deployed and linked to  the insurance companies' database, where all farmers including farmers of Moradabad can raise their grievances/issues.  Timelines to resolve these grievances/issues has also been fixed.

******