Lok Sabha Question No. 4131 (UNSTARRED), answered on 2026-03-17
Subject: Flexibility to State under PMFBY
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Dr. Shivaji Bandappa Kalge, Shri Nilesh Dnyandev Lanke

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

## LOK SABHA UNSTARRED QUESTION NO. 4131

TO BE ANSWERED ON THE 17 TH   MARCH, 2026

## FLEXIBILITY TO STATE UNDER PMFBY

4131. Shri Nilesh Dnyandev Lanke:

Dr. Shivaji Bandappa Kalge:

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

(a) whether the Government has provided any flexibility to State Governments under the Pradhan Mantri Fasal Bima Yojana (PMFBY) and if so, the nature of such flexibility;

(b) whether these measures have resulted in improved participation of farmers under the Scheme;

(c) whether the insurance companies pay claim amounts exceeding the total premium collected under the scheme and if so, the details thereof;

(d) whether the Government has received complaints from farmers in Maharashtra regarding delayed payment grievances or non receipt of claim amounts and if so, the steps taken for redressal; and

(e)  whether  any  special  measures  are  taken  by  the  Government  in  cases  where insurance companies fail to settle claims within the prescribed time-limit and if so, the details thereof?

## ANSWER

MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE क ृ िष एवं िकसान कʞाण राǛ मंũी (SHRI BHAGIRATH CHAUDHARY)

(a)  &  (b): The  Pradhan  Mantri  Fasal  Bima  Yojna  (PMFBY)  was  introduced  in  the country from Kharif 2016 season.   The scheme is voluntary for the States and farmers. States are provided flexibility in major works like selection of Insurance Companies through transparent bidding process, enrollment of farmers and assessment of crop yield/crop loss for calculation of admissible claims. Further, in order to provide more freedom to the States to decide about the implementation of Crop Insurance, keeping in  view the financial as well as risk appetite in the State, 3 Alternate Risk Transfer models other than standard PMFBY, namely Cup and Cap Model (80:110), Cup and Cap Model (60:130) and Profit and Loss sharing model have been allowed w.e.f. Kharif 2023.  Under these models, in case claims fall below certain threshold, portion of the premium paid by the Government as subsidy goes back to the State treasury. Thus, States have been given the flexibility to choose from any one of these models.

As a result of the above measures, there has been a substantial increase in the coverage under PMFBY wherein 1510 lakh Farmer Applications were enrolled in the year 2024-25 compared to 586 lakh Farmer Applications enrolled in 2016-17.

(c): Crop insurance is a major risk mitigation tool for the benefit of farmers in the event of non-preventable natural calamities.

Claims in excess of 100% of premium received has been paid by insurance companies in case of natural calamities during different seasons. Year-wise, seasonwise details of such States/UTs where insurance companies paid claims in excess of the total premium collected is given at Annexure .

(d): 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.  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.

Since 2024, 14,81,331 claim related complaints have been registered on KRPH in Maharashtra, out of which, 14,81,141 complaints (99.99%) have been resolved, as on 28.02.2026.

(e): As per the Operational Guidelines of PMFBY, in case payment is not made timely by Insurance Company, penalty of 12% is auto-calculated and levied through National Crop Insurance Portal (NCIP) w.e.f. Kharif 2024.

## ANNEXURE

High Claim Ratio States under PMFBY (as on 31.12.2025)

| Year/Seas on   | State/UT Name    | Gross Premium   | Reported Claims   | Paid Claims   | Claim Ratio   |
|----------------|------------------|-----------------|-------------------|---------------|---------------|
| Year/Seas on   |                  |                 | (Rs. In Crore)    |               | (In %)        |
|                | Karnataka        | 837.89          | 1,227.72          | 1,227.72      | 146.53%       |
|                | Kerala           | 8.57            | 17.92             | 17.92         | 209.22%       |
|                | Tamil Nadu       | 9.98            | 10.60             | 10.60         | 106.21%       |
|                | Chhattisgarh     | 289.49          | 1,312.19          | 1,312.19      | 453.28%       |
|                | Haryana          | 298.62          | 808.35            | 808.35        | 270.69%       |
|                | Madhya Pradesh   | 3,269.72        | 5,561.15          | 5,561.15      | 170.08%       |
|                | Odisha           | 800.50          | 1,777.80          | 1,777.28      | 222.09%       |
|                | Tamil Nadu       | 50.29           | 90.51             | 90.51         | 179.98%       |
|                | Telangana        | 611.45          | 621.94            | 621.94        | 101.71%       |
|                | Andhra Pradesh   | 1,124.08        | 1,277.73          | 1,277.73      | 113.67%       |
|                | Chhattisgarh     | 810.94          | 1,024.51          | 1,024.51      | 126.34%       |
|                | Haryana          | 568.92          | 807.53            | 806.32        | 141.94%       |
|                | Jharkhand        | 386.13          | 738.15            | 738.15        | 191.17%       |
|                | Karnataka        | 1,380.60        | 1,934.98          | 1,934.66      | 140.15%       |
|                | Kerala           | 12.81           | 15.36             | 15.36         | 119.86%       |
|                | Odisha           | 1,114.83        | 1,129.89          | 1,129.89      | 101.35%       |
|                | Rajasthan        | 2,417.83        | 2,681.36          | 2,680.79      | 110.90%       |
|                | Tamil Nadu       | 67.31           | 112.16            | 112.16        | 166.63%       |
|                | Uttarakhand      | 41.49           | 47.67             | 47.67         | 114.89%       |
|                | Himachal Pradesh | 7.12            | 8.63              | 8.63          | 121.10%       |
|                | Kerala           | 39.08           | 54.04             | 54.04         | 138.30%       |
|                | Madhya Pradesh   | 2,787.67        | 5,972.70          | 5,972.23      | 214.25%       |
|                | Maharashtra      | 4,789.69        | 5,954.96          | 5,954.96      | 124.33%       |
|                | Tamil Nadu       | 123.24          | 167.38            | 167.28        | 135.81%       |
|                | Uttar Pradesh    | 721.97          | 786.55            | 786.55        | 108.94%       |
|                | Haryana          | 963.51          | 1,014.10          | 1,010.56      | 105.25%       |
|                | Kerala           | 45.01           | 81.50             | 80.73         | 181.06%       |
|                | Madhya Pradesh   | 4,696.43        | 7,084.43          | 7,078.55      | 150.85%       |
|                | Tamil Nadu       | 151.56          | 166.66            | 166.66        | 109.96%       |
|                | Assam            | 71.50           | 88.25             | 85.63         | 123.42%       |
|                | Haryana          | 870.01          | 1,385.86          | 1,383.35      | 159.29%       |
|                | Jammu & Kashmir  | 23.73           | 50.75             | 50.73         | 213.82%       |
|                | Rajasthan        | 3,564.19        | 3,901.43          | 3,889.89      | 109.46%       |
|                | Haryana          | 956.98          | 2,024.79          | 2,011.62      | 211.58%       |
|                | Kerala           | 64.59           | 99.98             | 99.79         | 154.79%       |
|                | Andhra Pradesh   | 1,267.34        | 1,345.77          | 24.81         | 106.19%       |
|                | Himachal Pradesh | 18.98           | 27.94             | 27.62         | 147.26%       |

|               | Karnataka Kerala    | 2,560.98 53.97   | 3,114.66 82.38    | 3,110.72 76.82    | 121.62% 152.64%   |
|---------------|---------------------|------------------|-------------------|-------------------|-------------------|
|               | Maharashtra         | 7,815.51         | 7,981.99          | 7,952.45          | 102.13%           |
|               | Meghalaya           | 10.59            | 14.65             | 14.49             | 138.27%           |
|               | Karnataka           | 1,937.80         | 2,342.76          | 2,324.03          | 120.90%           |
| Kharif 2024   | Tamil Nadu          | 25.77            | 73.72             | 73.48             | 286.07%           |
|               | Uttarakhand         | 82.45            | 154.75            | 154.39            | 187.69%           |
|               | Andhra Pradesh      | 133.03           | 296.17            | 296.17            | 222.63%           |
| Rabi 2016-    | Karnataka           | 482.98           | 866.12            | 866.12            | 179.33%           |
| 17            | Kerala              | 24.58            | 25.81             | 25.81             | 105.00%           |
|               | Tamil Nadu          | 1,161.25         | 3,635.62          | 3,635.62          | 313.08%           |
| Rabi 2017- 18 | Andhra Pradesh      | 146.60           | 215.38            | 211.71            | 146.92%           |
|               | Chhattisgarh        | 72.39            | 79.19             | 79.19             | 109.40%           |
|               | Odisha              | 19.01            | 42.84             | 42.84             | 225.33%           |
|               | Tamil Nadu          | 1,222.98         | 2,012.21          | 2,006.78          | 164.53%           |
|               | Andhra              | 296.66           | 614.70            | 614.69            | 207.21%           |
|               | Pradesh             |                  |                   |                   |                   |
|               | Jharkhand           | 11.30            | 13.00             | 13.00             | 115.08%           |
| Rabi 2018-    | Karnataka           | 416.15 1,463.60  | 1,053.18 1,992.74 | 1,053.10 1,992.74 | 253.08% 136.15%   |
| 19            | Maharashtra         |                  |                   |                   |                   |
|               | Odisha Tamil Nadu   | 8.45 1,581.38    | 30.48 2,541.37    | 30.48 2,541.37    | 360.51% 160.71%   |
|               |                     | 51.80            |                   | 81.22             | 156.80%           |
|               | Telangana           |                  | 81.22             |                   | 826.12%           |
| Rabi 2019-    | Chhattisgarh        | 77.26            | 638.30 33.82      | 638.13 33.43      | 101.18%           |
| 20            | Kerala              | 33.42            | 99.26             | 99.26             | 914.79%           |
|               | Odisha Chhattisgarh | 10.85 190.56     | 248.54            | 248.52            | 130.42%           |
| Rabi 2020- 21 | Kerala              | 38.21            | 45.82             | 44.93             | 119.92%           |
| Rabi 2021-    | Assam               | 74.14            | 187.27            | 170.79            | 252.58%           |
|               | Chhattisgarh        | 203.67           | 402.14            | 402.13            | 197.45%           |
| 22            | Kerala              | 58.12            | 64.48             | 64.19             | 110.93%           |
| Rabi 2022- 23 | Haryana             | 350.37           | 518.86            | 515.10            | 148.09%           |
|               | Kerala              | 73.36            | 82.99             | 80.73             | 113.13%           |
|               | Maharashtra         | 1,098.18         | 1,352.30          | 1,349.73          | 123.14%           |
|               | Odisha              | 9.97             | 11.77             | 11.66             | 118.08%           |
|               | Rajasthan           | 2,607.05         | 2,687.02          | 2,673.06          | 103.07%           |
| Rabi 2023-    | Andhra Pradesh      | 584.63           | 890.21            | 95.48             | 152.27%           |
| 24            |                     |                  |                   |                   |                   |
|               | Chhattisgarh Kerala | 279.85 52.42     | 390.66            | 390.56            | 139.60%           |
|               | Uttarakhand         |                  | 92.03             | 89.34             | 175.55%           |
|               |                     | 181.51           | 266.47            | 266.34            | 146.81%           |
| Rabi 2024-    | Karnataka           | 139.77           | 525.42            | 485.09            | 375.92%           |
| 25            | Tamil Nadu          | 724.62           | 732.61            | 691.84            | 101.10%           |

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