Lok Sabha Question No. 401 (UNSTARRED), answered on 2025-12-02
Subject: Operational Guidelines of PMFBY
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri Hanuman Beniwal

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

## LOK SABHA UNSTARRED QUESTION NO. 401

TO BE ANSWERED ON THE 02 ND  DECEMBER, 2025

## OPERATIONAL GUIDELINES OF PMFBY

## 401. SHRI HANUMAN BENIWAL:

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

- (a) the criteria and time limit for cancellation of policy as per the operational guidelines of PM Fasal Bima Yojana (PMFBY) and the details thereof;
- (b) whether the Government is aware that farmers are not able to get their claims due to insurance companies cancelling their policies without any valid reason or at the time of harvesting;
- (c) if so, the details of procedure for re-approval of policies wrongly considered cancelled;
- (d) whether there is any provision for imposing any penalty or financial liability on insurance companies in the cases of wrongly cancelled policies and if so, the details thereof; and
- (e) whether the Government has fixed any standard time limit and monitoring mechanism for complaints regarding cancellation of policies of farmers by insurance companies and if so, the details thereof?

## ANSWER

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

(a) : All the applications enrolled in NCIP are subjected to Quality Check and Validation to ensure compliance with the provisions of Operational Guidelines of PMFBY such as having Insurable Interest in the crop being insured, ownership of land or proof of being a tenant or share cropper, insured land area being eual to or less than the actual land area of the land parcel, insured crop to be same as that of sown crop and farmer name to be same as per the Aadhaar Name etc. The Applications which do not comply with these basic prerequisites  and    provisions  of  the  Operational  Guidelines  or  have  been  created  without providing correct details, incomplete details or without the required documents are liable to be rejected by the Insurance Companies. The Maximum timeline provided as per the Operational  Guidelines  for  the  same  is  60  days  from  the  cut-off  date  for  debit  of premium/enrollment  of  farmers  in  the  scheme,  which  generally  is  31st  July  for  Kharif season and 31st Dec for Rabi season.

(b)  &  (c):  The  applications  deficient  in  documents  are  reverted  back  by  the  Insurance Companies to the enrollment channel (CSC, Insurance Intermediary/Banks) for providing/uploading the missing documents. In case the desired documents are provided, the applications are approved by the Insurance Companies else are rejected. In case the concerned farmer have objection against the rejection of the applications, the same can be reported through Krishi Rakshak Portal & Helpline to the Insurance Company or can approach the Talik/tehsil/District level  officers of  Agriculture Department or through  the District  Level  Grievance  Redressal  Committee  (DGRC)  with  desired  documents  for reviewing  the  applications  and  reconsider  the  same  for  approval  by  the  Insurance Companies.

(d) : The Operational Guidelines has a provision for delayed claim payment on account of delay in settlement of claims beyond given timelines however, there is no mechanism to impose penalty on rejection of applications as the concerned District and State Govt. are required to reconcile and review rejection of applications. Only those applications can be rejected by the Insurance Companies, which are approved for rejection by the concerned State Govt. through National Crop Insurance Portal.

(e) : The Operational Guidelines of PMFBY has a provision for constitution of District level Monitoring Committee and State Level Monitoring Committee under the chairmanship of District Magistrate and Principal Secretary of Agriculture Department, respectively, as a mechanism  for  monitoring  the  overall  implementation  of  the  scheme.  For  redressal  of Grievances  of  the  insured/applicant  farmers,  first  level  of  Grievance  Redressal  for  the insured farmers under the scheme is provided through Krishi Rakshak Portal & Helpline (KRPH) available through single toll-free number 14447. KRPH is available 24 X 7 all days in  a  year  through  web-portal  and  voice  calls  catered  through  more  than  500  KRPH Executives located across 10 locations in the country.

Further,  the  appellate  level  of  Grievance  Redressal  mechanism  through  various grievance  redressal  committees  is  also  available  under  the  scheme  such  as  District Grievance  Redressal  Committee  (DGRC)  &  State  Grievance  Redressal  Committee (SGRC).

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