Lok Sabha Question No. 1609 (UNSTARRED), answered on 2025-12-09
Subject: Funds sanctioned and disbursed under PMFBY in Tamil Nadu
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Dr. Rani Srikumar

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

## LOK SABHA UNSTARRED QUESTION NO. 1609

TO BE ANSWERED ON THE 9 th  DECEMBER, 2025

## FUNDS SANCTIONED AND DISBURSED UNDER PMFBY IN TAMIL NADU

1609. DR. RANI SRIKUMAR :

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

- (a)   the total extent of crop damage reported by farmers across various districts of Tamil Nadu due to unseasonal rains during the current  year and the amount proposed to be disbursed under the Pradhan Mantri Fasal Bima (PMFBY) for such losses;
- (b)   the total funds sanctioned and disbursed to farmers under PMFBY in Tamil Nadu and other States/Union Territories since the inception of the scheme, year and State-wise; and
- (c)  the specific measures adopted by the Government to ensure effective implementation and timely compensation under PMFBY in Tamil Nadu, along with the progress made so far?

## ANSWER

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

(a) & (b):   The Pradhan Mantri Fasal Bima Yojana (PMFBY) is mainly implemented on 'Area Approach'  basis.      Area  based/season  end  admissible  claims  are  worked  out  and  paid directly  to  the  insured  farmer's  account  by  the  insurance  companies  through  DigiClaim module on National Crop Insurance Portal (NCIP), based on the yield data per unit area furnished  to  the  insurance  company  by  the  concerned  State  Government  and  claim calculation formula envisaged in the Operational Guidelines of the scheme upon receipt of Centre and State Government's requisite share in premium subsidy.   Farmers need not intimate crop loss in respect of these claims. However, losses due to localized risks of hailstorm, landslide, inundation, cloud burst &  natural  fire  and  post-harvest  losses  due  to  cyclone,  cyclonic/unseasonal  rains  & hailstorms are calculated on individual insured farm basis.  Intimation by farmer to State Government, insurance company, financial institution, on NCIP Portal, PMFBY APP etc. within 72 hours of the loss in this case is required to be made.     Extent of loss and  claims in  this  case  are  assessed  by  a  joint  committee  comprising  representatives  of  State Government and concerned insurance company. District-wise  details  of  claims  paid  in  Tamil  Nadu  during  2024-25  are  given  in Annexure-I .      State  Wise and year-wise details of Claims Paid from 2016-17 to 2024-25 under the scheme are given in Annexure-II . (c ) : Government has taken various steps to strengthen implementation of this scheme all over India including Tamil Nadu to ensure effective implementation, timely compensation

- and 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 settlement 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.
-  Opening of Escrow account has been made mandatory under PMFBY for ensuring timely  release  of  state  share  of  subsidy  for  implementing  season,  thereby controlling  delayed  claim  settlement  to  eligible  farmers.  This  enable  States  to ensure  that  the  premium  subsidies  payments  are  not  delayed  beyond  the prescribed timelines as per provisions of Operational Guidelines.

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, 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.

Department is regularly monitoring the functioning of insurance companies, including timely settlement of claims through weekly video conferences of all stakeholders, one to one meeting as well as National Review Conferences.

| PMFBY & RWBCIS: District Wise details of Claims Paid in Tamil Nadu in 2024-25 (as on 31 st October, 2025)   | PMFBY & RWBCIS: District Wise details of Claims Paid in Tamil Nadu in 2024-25 (as on 31 st October, 2025)   |
|-------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------|
| District                                                                                                    | Paid Claims (Rs. In Crore)                                                                                  |
| Ariyalur                                                                                                    | 21.48                                                                                                       |
| Chengalpattu                                                                                                | 0.20                                                                                                        |
| Coimbatore                                                                                                  | 0.31                                                                                                        |
| Cuddalore                                                                                                   | 81.33                                                                                                       |
| Dharmapuri                                                                                                  | 2.07                                                                                                        |
| Dindigul                                                                                                    | 4.90                                                                                                        |
| Erode                                                                                                       | 2.73                                                                                                        |
| Kallakurichi                                                                                                | 1.49                                                                                                        |
| Kanchipuram                                                                                                 | 0.84                                                                                                        |
| Kanniyakumari                                                                                               | 0.24                                                                                                        |
| Karur                                                                                                       | 3.40                                                                                                        |
| Krishnagiri                                                                                                 | 1.40                                                                                                        |
| Madurai                                                                                                     | 13.40                                                                                                       |
| Mayiladuthurai                                                                                              | 70.80                                                                                                       |
| Nagapattinam                                                                                                | 21.68                                                                                                       |
| Namakkal                                                                                                    | 10.40                                                                                                       |
| Perambalur                                                                                                  | 34.65                                                                                                       |
| Pudukkottai I                                                                                               | 4.00                                                                                                        |
| Pudukkottai II                                                                                              | 1.63                                                                                                        |
| Ramanathapuram I                                                                                            | 49.09                                                                                                       |
| Ramanathapuram II                                                                                           | 4.12                                                                                                        |
| Ranipet                                                                                                     | 1.97                                                                                                        |
| Salem                                                                                                       | 0.75                                                                                                        |
| Sivaganga                                                                                                   | 8.36                                                                                                        |
| Tenkasi                                                                                                     | 17.26                                                                                                       |
| Thanjavur I                                                                                                 | 44.61                                                                                                       |
| Thanjavur II                                                                                                | 48.35                                                                                                       |
| The Nilgiris                                                                                                | 0.30                                                                                                        |
| Theni                                                                                                       | 0.09                                                                                                        |
| Thiruvallur                                                                                                 | 15.50                                                                                                       |
| Thiruvarur I                                                                                                | 51.49                                                                                                       |
| Thiruvarur II                                                                                               | 18.08                                                                                                       |
| Tiruchirappalli                                                                                             | 15.22                                                                                                       |
| Tirunelveli                                                                                                 | 16.59                                                                                                       |
| Tirupathur                                                                                                  | 3.22                                                                                                        |
| Tiruppur                                                                                                    | 3.86                                                                                                        |
| Tiruvannamalai                                                                                              | 2.41                                                                                                        |
| Tuticorin                                                                                                   | 8.48                                                                                                        |
| Vellore                                                                                                     | 0.33                                                                                                        |
| Villupuram                                                                                                  | 70.96                                                                                                       |
| Virudhunagar                                                                                                | 22.07                                                                                                       |

## ANNEXURE-II

## PMFBY & RWBCIS: State Wise and year-wise details of Claims Paid from 2016-17 to 2024-25  (as on 31 st  October, 2025)

| State/UT Name    | 2016-17        | 2017-18        | 2018-19        | 2019-20        | 2020-21        | 2021-22        | 2022-23        | 2023-24        | 2024-25        | Total          |
|------------------|----------------|----------------|----------------|----------------|----------------|----------------|----------------|----------------|----------------|----------------|
|                  | (Rs. In Crore) | (Rs. In Crore) | (Rs. In Crore) | (Rs. In Crore) | (Rs. In Crore) | (Rs. In Crore) | (Rs. In Crore) | (Rs. In Crore) | (Rs. In Crore) | (Rs. In Crore) |
| A & N Islands    | 0.15           | -              | 0.09           | -              | -              | -              | -              | 0.02           | -              | 0.25           |
| Andhra Pradesh   | 944.38         | 740.05         | 1,892.43       | 1,251.70       | -              | -              | 609.37         | 119.05         | 18.65          | 5,575.64       |
| Assam            | 5.37           | 1.22           | 2.79           | 109.41         | 188.04         | 256.41         | 20.03          | 62.60          | 78.65          | 724.54         |
| Bihar            | 409.54         | 401.52         | -              | -              | -              | -              | -              | -              | -              | 811.06         |
| Chhattisgarh     | 159.97         | 1,391.38       | 1,087.06       | 1,304.30       | 887.73         | 1,432.01       | 534.24         | 588.36         | 266.87         | 7,651.92       |
| Goa              | 0.03           | 0.01           | 0.10           | 0.01           | -              | -              | 0.00           | 0.00           | 0.01           | 0.15           |
| Gujarat          | 1,267.22       | 1,075.83       | 2,778.02       | 616.17         | -              | -              | -              | -              | -              | 5,737.24       |
| Haryana          | 298.23         | 898.93         | 947.66         | 903.77         | 1,165.62       | 1,650.00       | 2,526.00       | 283.69         | 332.45         | 9,006.35       |
| Himachal Pradesh | 45.50          | 64.71          | 54.70          | 67.71          | 84.86          | 77.77          | 68.03          | 138.56         | 5.72           | 607.57         |
| Jammu & Kashmir  | -              | 9.82           | 27.15          | -              | -              | 52.72          | 6.34           | 34.78          | 26.08          | 156.88         |
| Jharkhand        | 31.09          | 47.18          | 751.15         | 27.87          | -              | -              | -              | -              | -              | 857.29         |
| Karnataka        | 2,093.84       | 856.79         | 2,987.75       | 1,531.00       | 1,071.12       | 1,545.56       | 2,386.90       | 3,360.10       | 1,642.49       | 17,475.54      |
| Kerala           | 43.73          | 10.99          | 26.74          | 87.47          | 125.64         | 102.21         | 180.33         | 164.81         | -              | 741.92         |
| Madhya Pradesh   | 2,043.85       | 5,881.35       | 3,781.16       | 6,152.89       | 7,752.70       | 2,809.62       | 1,049.97       | 961.89         | 1,289.19       | 31,722.62      |
| Maharashtra      | 2,317.85       | 3,315.69       | 6,124.82       | 6,878.01       | 1,260.71       | 4,708.22       | 5,395.55       | 9,569.81       | 5,407.71       | 44,978.38      |
| Manipur          | 1.96           | 0.67           | 0.00           | 1.14           | -              | 1.45           | 1.62           | 2.00           | 1.65           | 10.50          |
| Meghalaya        | 0.03           | 0.02           | 0.22           | 0.18           | 0.07           | -              | 0.01           | 14.47          | 9.50           | 24.49          |
| Odisha           | 432.71         | 1,820.12       | 1,160.37       | 1,187.02       | 572.19         | 1,043.55       | 581.61         | 232.62         | 149.57         | 7,179.76       |
| Puducherry       | 7.55           | -              | 0.45           | -              | 0.54           | 2.95           | 3.55           | 1.87           | 1.87           | 18.79          |
| Rajasthan        | 1,917.40       | 2,242.59       | 3,444.19       | 4,955.92       | 4,055.12       | 5,008.35       | 4,364.77       | 3,660.16       | 1,762.77       | 31,411.26      |
| Sikkim           | 0.11           | 0.04           | 0.00           | -              | 0.02           | -              | -              | -              | 0.01           | 0.18           |
| Tamil Nadu       | 3,646.22       | 2,097.29       | 2,653.53       | 1,261.17       | 2,653.45       | 817.13         | 917.61         | 761.57         | 680.11         | 15,488.07      |
| Telangana        | 179.60         | 648.43         | 564.99         | 513.36         | -              | -              | -              | -              | -              | 1,906.38       |
| State/UT Name    | 2016-17        | 2017-18        | 2018-19        | 2019-20        | 2020-21        | 2021-22        | 2022-23        | 2023-24        | 2024-25        | Total          |
|                  | (Rs. In Crore) | (Rs. In Crore) | (Rs. In Crore) | (Rs. In Crore) | (Rs. In Crore) | (Rs. In Crore) | (Rs. In Crore) | (Rs. In Crore) | (Rs. In Crore) | (Rs. In Crore) |
| Tripura          | 0.71           | 1.00           | 0.02           | 0.90           | 2.57           | 2.64           | 2.03           | 1.92           | 0.51           | 12.29          |
| Uttar Pradesh    | 574.57         | 380.88         | 468.54         | 1,065.53       | 502.57         | 930.76         | 985.17         | 469.24         | 423.94         | 5,801.19       |
| Uttarakhand      | 27.47          | 39.45          | 72.37          | 103.22         | 134.82         | 122.30         | 207.64         | 345.82         | 157.91         | 1,211.02       |
| West Bengal      | 421.69         | 305.37         | 535.73         | -              | -              | -              | -              | -              | -              | 1,262.78       |
| Total            | 16,870.75      | 22,231.34      | 29,362.02      | 28,018.74      | 20,457.76      | 20,563.65      | 19,840.78      | 20,773.33      | 12,255.67      | 1,90,374.05    |