Lok Sabha Question No. 133 (STARRED), answered on 2025-12-09
Subject: Implementation of PMFBY in Tamil Nadu
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri Selvam G, Shri C N Annadurai

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

## LOK SABHA STARRED QUESTION NO. 133

TO BE ANSWERED ON THE 9 TH  DECEMBER, 2025

## IMPLEMENTATION OF PMFBY IN TAMIL NADU

*133.  SHRI SELVAM G: SHRI C N ANNADURAI:

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

(a)  whether  the  Pradhan  Mantri  Fasal  Bima  Yojana  (PMFBY)  is  being  effectively implemented in Tamil Nadu and if so, the details thereof;

(b) the number of farmers enrolled under PMFBY in Tamil Nadu during the last three years and the total area and crop value insured, district-wise;

(c) whether technology such as satellite imagery, drone-based yield estimation or digital crop cutting experiments has been adopted in Tamil Nadu to improve accuracy and reduce disputes in loss assessment and if so, the results thereof; and

(d)  the  steps  taken  by  the  Government  to  ensure  greater  transparency,  faster  claim processing,  real-time  monitoring  and  improved  grievance  redressal  in  assessing  crop damage and disbursing insurance claims under PMFBY in Tamil Nadu?

## ANSWER

MINISTER FOR AGRICULTURE AND FARMERS WELFARE क ृ िष एवं िकसान कʞाण मंũी (SHRI SHIVRAJ SINGH CHAUHAN)

(a) to (  d) : A statement is laid on the Table of the House.

## STATEMENT REFERRED TO PART (a) TO (d) OF LOK SABHA STARRED QUESTION NO. 133 FOR 9 TH   DECEMBER,  2025  REGARDING IMPLEMENTATION OF PMFBY IN TAMIL NADU

(a) & (b): Yes Sir, Tamil Nadu is one of the major States implementing the Pradhan Mantri Fasal Bima Yojana (PMFBY) since its inception in 2016-17.   Against the premium of Rs. 1,396.75 crore paid by farmers in the State till 2024-25, claims of Rs. 15,488.07 crore have been paid to 178.55 lakh  farmer applications.     District-wise details of total number of farmers enrolled, area insured and Sum insured under PMFBY of last three years in the State of Tamil Nadu are given in Annexure .

(c) & (d): All the major work like selection of insurance model, selection of Insurance Companies through transparent bidding process, enrollment of farmers, assessment of crop yield/crop loss and uploading  of Threshold Yield & Actual Yield on National Crop Insurance Portal (NCIP) for calculation and payment of admissible claims directly to the farmer's  account  are  being  performed  by  the  concerned  State  Government  or  Joint Committee of State Government officials and insurance company concerned. The roles and responsibilities of each stakeholder are defined in the Operational Guidelines of the scheme for the proper execution of the scheme.

Government  of  India  has  rolled  out  the  following  technologies  for  Objective  Crop Damage & Loss Assessment and transparency being 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.

Tamil  Nadu  has  been  implementing  YESTECH  since  Rabi  2023-24  for  paddy. Further, Government has taken various steps to strengthen implementation of this scheme all over India including Tamil Nadu 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.

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.

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 : District Wise Details of applications enrolled, area insured and sum insured from 2022-23 to 2024-25 in Tamil Nadu (as on 31 st October, 2025)   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------|

| District (Tamil    | Application Enrolment   | Area Insured   | Sum Insured    |
|--------------------|-------------------------|----------------|----------------|
| Nadu)              | (In No.)                | (In Lakh Ha)   | (Rs. In Crore) |
| Ariyalur           | 5,22,616                | 0.78           | 555.67         |
| Chengalpattu       | 40,121                  | 0.08           | 67.83          |
| Coimbatore         | 3,400                   | 0.02           | 13.88          |
| Cuddalore          | 12,82,110               | 3.01           | 1,911.49       |
| Dharmapuri         | 63,444                  | 0.21           | 185.96         |
| Dindigul           | 34,155                  | 0.16           | 89.64          |
| Erode              | 7,347                   | 0.02           | 24.79          |
| Kallakurichi       | 6,04,288                | 1.13           | 636.94         |
| Kanchipuram        | 1,14,987                | 0.22           | 183.12         |
| Kanniyakumari      | 9,861                   | 0.02           | 20.68          |
| Karur              | 39,583                  | 0.15           | 129.83         |
| Krishnagiri        | 9,926                   | 0.03           | 26.66          |
| Madurai            | 1,09,783                | 0.31           | 208.36         |
| Mayiladuthurai     | 11,43,675               | 3.34           | 2,133.16       |
| Nagapattinam       | 9,95,475                | 2.62           | 1,769.61       |
| Namakkal           | 1,10,168                | 0.45           | 153.44         |
| Perambalur         | 6,61,068                | 1.45           | 821.70         |
| Pudukkottai        | 8,87,219                | 1.86           | 1,556.45       |
| Ramanathapuram     | 17,48,640               | 4.11           | 2,476.01       |
| Ranipet            | 1,25,845                | 0.29           | 235.73         |
| Salem              | 63,222                  | 0.20           | 140.08         |
| Sivaganga          | 10,07,166               | 1.86           | 1,375.96       |
| Tenkasi            | 3,37,676                | 1.02           | 442.86         |
| Thanjavur          | 14,94,980               | 3.44           | 3,065.81       |
| The Nilgiris       | 449                     | 0.00           | 2.91           |
| Theni              | 1,760                   | 0.01           | 5.65           |
| Thiruvallur        | 25,25,835               | 6.86           | 4,948.40       |
| Tiruchirappalli    | 4,27,007                | 1.02           | 802.71         |
| Tirunelveli        | 71,070                  | 0.21           | 98.50          |
| Tirupathur         | 37,345                  | 0.09           | 71.32          |
| Tiruppur           | 6,050                   | 0.04           | 32.40          |
| Tiruvannamalai     | 3,03,584                | 0.73           | 566.33         |
| Tuticorin          | 9,63,008                | 4.53           | 1,677.64       |
| Vellore            | 5,063                   | 0.01           | 10.28          |
| Villupuram         | 7,23,778                | 1.50           | 1,107.52       |
| Virudhunagar       | 4,79,817                | 1.69           | 827.31         |
| Total (Tamil Nadu) | 1,69,61,521             | 43.47          | 28,376.61      |

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