Lok Sabha Question No. 2899 (UNSTARRED), answered on 2026-03-10
Subject: Performance of PMFBY in Karnataka
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri Basavaraj Bommai

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

## LOK SABHA UNSTARRED QUESTION NO. 2899

TO BE ANSWERED ON THE 10 TH  MARCH, 2026

## PERFORMANCE OF PMFBY IN KARNATAKA

2899. SHRI BASAVARAJ BOMMAI:

Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ ͪष एवं ͩकसान कãयाण मंğी be pleased to state: (a) the number of farmers covered under the Pradhan Mantri Fasal Bima Yojana (PMFBY) in Karnataka during the last three years, district-wise; (b) the total amount of premium collected under the Scheme in the State during the above period; (c)  the  total  insurance  claims  received,  approved  and  disbursed  to  farmers  in  the  State during this period; (d) whether the Government has received complaints regarding delay or non-settlement of crop insurance claims under PMFBY in Karnataka; and (e)  if  so,  the  details  thereof  and  the  steps  taken  by  the  Government  to  ensure  timely settlement of claims and improve implementation of the Scheme in the State?

## ANSWER

## THE MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE

कृ ͪष एवं ͩकसान कãयाण राÏय मंğी (SHRI BHAGIRATH CHOUDHARY) (a) to (c) : District-wise cumulative details of  number of farmer applications covered, total  amount  of  premium  collected,  claims  paid  and  number  of  farmers  applications benefitted by claims in Karnataka from 2022-23 to 2024-25 are given in Annexure . (d) : Majority of the claims under Pradhan Mantri Fasal Bima Yojana (PMFBY) are settled within the stipulated timelines under the Operational Guidelines of the scheme i.e within 21 days  of  the  receipt  requisite  yield  data  from  the  concerned  State  Government,    by  the insurance companies.  Government of Karnataka administers the scheme through its own 'Samrakshne' portal. However, to  further  facilitate  the  grievance  redressal  mechanism,  Krishi  Rakshak Portal and Helpline (KRPH) has been developed by the Government of India.   A single PanIndia 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.

From January, 2024 to December, 2025, total 89 grievances/complaints relating to claims in Karnataka under PMFBY have been received on KRPH, out of which 88  ( 99%) have been resolved to the satisfactions of the farmers.

(e)  :  Government has taken various steps to strengthen/improve implementation of PMFBY, bring transparency and ensure timely settlement of claims :

-  Provision of 2% penalty on insurance companies for delay in settlement of 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.
-  12% penalty is also levied on State Government for delay in release of State share of subsidy.
-  Opening of ESCROW Account by the State Government concerned for deposit of their premium share in advance as per provisions of the scheme has been made mandatory w.e.f. Kharif 2025 season for bringing financial discipline.
-  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.
-  Tranche based claim settlement has been initiated w.e.f. Rabi 2024-25.
-  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 .
-  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.

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.

## Annexure

## PMFBY & RWBCIS: Karnataka State District-wise Cumulative Data from 2022-23 to 2024-25 (as on 31.12.2025)

| District Name   | Applications Enrolled   | Farmer Share of premium   | Gross Premium   | Paid Claims   | Application Benefitted   |
|-----------------|-------------------------|---------------------------|-----------------|---------------|--------------------------|
| District Name   | (In No.)                | (Rs. In Crore)            | (Rs. In Crore)  |               | (In No.)                 |
| Bagalkot        | 141,999                 | 31.69                     | 199.15          | 311.14        | 79,785                   |
| Ballari         | 39,987                  | 5.87                      | 21.95           | 29.33         | 14,398                   |
| Belagavi        | 251,305                 | 39.74                     | 236.52          | 357.38        | 123,811                  |
| Bengaluru Rural | 39,063                  | 2.44                      | 18.49           | 8.84          | 14,609                   |
| Bengaluru Urban | 2,710                   | 0.16                      | 1.34            | 0.74          | 1,060                    |
| Bidar           | 836,880                 | 41.53                     | 445.29          | 119.85        | 353,947                  |
| Chamarajnagar   | 45,886                  | 1.86                      | 12.46           | 9.79          | 15,907                   |
| Chikkaballapur  | 172,710                 | 12.30                     | 106.70          | 142.70        | 131,875                  |
| Chikkamagaluru  | 178,560                 | 40.60                     | 250.65          | 275.48        | 135,896                  |
| Chitradurga     | 396,050                 | 52.46                     | 394.27          | 420.32        | 164,481                  |
| Dakshinakannada | 712,475                 | 96.44                     | 827.56          | 855.77        | 647,212                  |
| Davangere       | 216,685                 | 32.42                     | 190.54          | 329.86        | 163,222                  |
| Dharwad         | 545,523                 | 71.80                     | 501.60          | 365.80        | 317,871                  |
| Gadag           | 735,226                 | 104.85                    | 680.36          | 864.86        | 535,818                  |
| Hasan           | 427,490                 | 21.92                     | 170.94          | 135.38        | 193,331                  |
| Haveri          | 1,144,573               | 110.80                    | 860.37          | 1,071.12      | 956,271                  |
| Kalaburgi       | 582,729                 | 62.18                     | 395.72          | 658.35        | 730,779                  |
| Kodagu          | 10,580                  | 1.92                      | 9.93            | 6.54          | 3,893                    |
| Kolar           | 72,423                  | 5.78                      | 48.28           | 37.90         | 42,865                   |
| Koppal          | 360,354                 | 40.43                     | 306.98          | 224.70        | 186,650                  |
| Mandya          | 282,153                 | 5.44                      | 42.70           | 63.32         | 171,073                  |
| Mysuru          | 26,528                  | 0.98                      | 7.71            | 4.61          | 10,088                   |
| Raichur         | 210,639                 | 33.68                     | 221.37          | 93.44         | 44,007                   |
| Ramanagara      | 54,481                  | 6.80                      | 47.59           | 68.82         | 39,916                   |
| Shivamogga      | 335,197                 | 74.31                     | 373.14          | 458.88        | 304,384                  |
| Tumakuru        | 449,383                 | 38.38                     | 265.01          | 184.90        | 217,204                  |
| Udupi           | 48,243                  | 6.81                      | 43.63           | 81.08         | 41,972                   |
| Uttarkannada    | 434,381                 | 46.34                     | 216.38          | 216.51        | 221,735                  |
| Vijayanagara    | 186,172                 | 19.34                     | 106.67          | 225.54        | 142,632                  |
| Vijayapura      | 456,750                 | 126.29                    | 978.22          | 919.70        | 240,457                  |
| Yadgiri         | 38,242                  | 6.32                      | 36.45           | 22.27         | 21,239                   |
| Total           | 9,435,377               | 1,141.86                  | 8,017.98        | 8,564.92      | 6,268,388                |

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