Lok Sabha Question No. 1546 (UNSTARRED), answered on 2025-12-09
Subject: Payment of Insurance under PMFBY in Rajasthan
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri Kuldeep Indora

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

## LOK SABHA UNSTARRED QUESTION NO. 1546

TO BE ANSWERED ON THE 9 TH  DECEMBER, 2025

## PAYMENT OF INSURANCE UNDER PMFBY IN RAJASTHAN

1546. SHRI KULDEEP INDORA:

Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ ͪष एवं ͩकसान कãयाण मंğी

be pleased to state: (a)  whether  the  Government  is  aware  that  thousands  of  farmers  in  Sri  Ganganagar, Hanumangarh districts and several other areas are not receiving insurance compensation under the Pradhan Mantri Fasal Bima Yojana (PMFBY) often due to the arbitrariness of insurance companies, incorrect survey reports or other technical problems; (b) if so, the details thereof and the steps being taken by the Government to improve this situation; (c) the details of the total premium collected, insurance compensation claimed, approved amount  and  disbursed  insurance  amount  under  PMFBY  during  the  past  five  years specifically for Rajasthan and Sri Ganganagar and Hanumangarh district, year, State and district-wise; (d) the reasons for the lower compensation received by farmers in Sri Ganganagar district; and (e) whether any new initiatives are being taken to make the scheme more transparent and simple so that all farmers take benefit?

## ANSWER

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

(a) to (d) :   As prescribed in the Operational Guidelines of  the Pradhan Mantri Fasal Bima Yojana (PMFBY),  majority of the claims are settled within the stipulated timelines i.e within 21 days of the receipt of requisite yield data from the concerned State Government,  by the  insurance  companies.    However,  during  the  implementation  of  PMFBY,  some complaints  were  received  in  the  past  about  payment  of  claims  which  are  primarily  on account  of  (a)  delay  in  providing  State  Government  share  of  subsidy    (b)  nonpayment/delayed payment or under payment of claims on account of incorrect/delayed submission of insurance proposals by banks (c) discrepancy in yield data & consequent disputes between State Government and insurance companies etc.  The pending claims on account of these issue are settled after their resolution as per provisions of the scheme.

O.I.H.

The PMFBY is mainly implemented on 'Area Approach' basis and comprehensive risk coverage for crops of farmers against all non-preventable natural risks from pre-sowing to post-harvest stages of the crops at very minimum premium for the farmers is provided under the scheme.     Admissible claims, in this case, 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.    As the claims are being worked out on an average shortfall in yield.

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.    The extent of loss and  claims in  such  case  are  assessed  by  a  joint  committee  comprising  representatives  of  State Government and concerned insurance company within stipulated time frame under the Operational Guidelines of the scheme.

Thus insurance companies are bound to pay the claims as worked out on National Crop Insurance Portal (NCIP) based on the yield data submitted by the State Government concerned and/or as per report of the Committee.

District wise  details of premium collected from farmers, Claims Paid and number of farmer  applications  benefitted  by  claims  in  Rajasthan  including  Sri  Ganganagar  and Hanumangarh districts from 2020-21 to 2024-25 are annexed.

(e) :  Government has taken various steps to strengthen implementation of this scheme all over India 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.
-  The Government has actively supported the awareness activities being carried out by the States, implementing Insurance Companies, financial institutions, and Common  Service  Centres  (CSCs)  network  to  disseminate  key  features  of PMFBY amongst farmers and members of Panchayati Raj Institutions (PRIs).
-  Structured awareness campaign 'Crop Insurance Week/Fasal Bima Saptah' has been initiated by the Ministry of Agriculture and Farmers Welfare since Kharif 2021 season onwards.  Along with this, 'Fasal Bima Pathshalas' are also being organized  at  village/GP  level  for  knowledge  building  of  farmers  on  various aspects of scheme implementation.
-  Government  had  also  organized  a  nationwide Doorstep  Crop  Insurance Policy/receipt Distribution mega drive - 'Meri Policy Mere Haath'. Hard copies of crop insurance policy receipts are distributed to farmers enrolled under PMFBY through special camps at gram Panchayat/village level.

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.

Annexure

| PMFBY & RWBCIS: District wise details of premium collected from farmers, Claims Paid and no. of farmer applications benefitted by claims including Sri Ganganagar and Hanumangarh districts of Rajasthan from 2020-21 to 2024-25 (as on 31 st October, 2025)   | PMFBY & RWBCIS: District wise details of premium collected from farmers, Claims Paid and no. of farmer applications benefitted by claims including Sri Ganganagar and Hanumangarh districts of Rajasthan from 2020-21 to 2024-25 (as on 31 st October, 2025)   | PMFBY & RWBCIS: District wise details of premium collected from farmers, Claims Paid and no. of farmer applications benefitted by claims including Sri Ganganagar and Hanumangarh districts of Rajasthan from 2020-21 to 2024-25 (as on 31 st October, 2025)   | PMFBY & RWBCIS: District wise details of premium collected from farmers, Claims Paid and no. of farmer applications benefitted by claims including Sri Ganganagar and Hanumangarh districts of Rajasthan from 2020-21 to 2024-25 (as on 31 st October, 2025)   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| District                                                                                                                                                                                                                                                       | Farmer Share in Premium                                                                                                                                                                                                                                        | Claims Paid                                                                                                                                                                                                                                                    | Farmer Application Benefitted                                                                                                                                                                                                                                  |
| District                                                                                                                                                                                                                                                       | (Rs. In Crore)                                                                                                                                                                                                                                                 | (Rs. In Crore)                                                                                                                                                                                                                                                 | (In No.)                                                                                                                                                                                                                                                       |
| Ajmer                                                                                                                                                                                                                                                          | 110.48                                                                                                                                                                                                                                                         | 582.69                                                                                                                                                                                                                                                         | 16,74,716                                                                                                                                                                                                                                                      |
| Alwar                                                                                                                                                                                                                                                          | 82.89                                                                                                                                                                                                                                                          | 47.71                                                                                                                                                                                                                                                          | 2,28,932                                                                                                                                                                                                                                                       |
| Banswara                                                                                                                                                                                                                                                       | 30.66                                                                                                                                                                                                                                                          | 26.57                                                                                                                                                                                                                                                          | 3,05,338                                                                                                                                                                                                                                                       |
| Baran                                                                                                                                                                                                                                                          | 122.12                                                                                                                                                                                                                                                         | 280.02                                                                                                                                                                                                                                                         | 3,73,533                                                                                                                                                                                                                                                       |
| Barmer                                                                                                                                                                                                                                                         | 240.73                                                                                                                                                                                                                                                         | 1,021.12                                                                                                                                                                                                                                                       | 22,13,270                                                                                                                                                                                                                                                      |
| Bharatpur                                                                                                                                                                                                                                                      | 76.42                                                                                                                                                                                                                                                          | 57.03                                                                                                                                                                                                                                                          | 12,23,757                                                                                                                                                                                                                                                      |
| Bhilwara                                                                                                                                                                                                                                                       | 114.58                                                                                                                                                                                                                                                         | 384.20                                                                                                                                                                                                                                                         | 15,07,111                                                                                                                                                                                                                                                      |
| Bikaner                                                                                                                                                                                                                                                        | 311.73                                                                                                                                                                                                                                                         | 1,360.62                                                                                                                                                                                                                                                       | 17,81,848                                                                                                                                                                                                                                                      |
| Bundi                                                                                                                                                                                                                                                          | 120.18                                                                                                                                                                                                                                                         | 322.83                                                                                                                                                                                                                                                         | 7,10,218                                                                                                                                                                                                                                                       |
| Chittorgarh                                                                                                                                                                                                                                                    | 144.85                                                                                                                                                                                                                                                         | 397.24                                                                                                                                                                                                                                                         | 11,48,519                                                                                                                                                                                                                                                      |
| Churu                                                                                                                                                                                                                                                          | 298.81                                                                                                                                                                                                                                                         | 2,848.80                                                                                                                                                                                                                                                       | 27,21,713                                                                                                                                                                                                                                                      |
| Dausa                                                                                                                                                                                                                                                          | 28.17                                                                                                                                                                                                                                                          | 19.06                                                                                                                                                                                                                                                          | 72,720                                                                                                                                                                                                                                                         |
| Dholpur                                                                                                                                                                                                                                                        | 9.71                                                                                                                                                                                                                                                           | 4.31                                                                                                                                                                                                                                                           | 36,423                                                                                                                                                                                                                                                         |
| Dungarpur                                                                                                                                                                                                                                                      | 16.44                                                                                                                                                                                                                                                          | 36.38                                                                                                                                                                                                                                                          | 4,10,683                                                                                                                                                                                                                                                       |
| Hanumangarh                                                                                                                                                                                                                                                    | 302.99                                                                                                                                                                                                                                                         | 2,697.87                                                                                                                                                                                                                                                       | 69,39,714                                                                                                                                                                                                                                                      |
| Jaipur                                                                                                                                                                                                                                                         | 158.07                                                                                                                                                                                                                                                         | 553.31                                                                                                                                                                                                                                                         | 19,30,089                                                                                                                                                                                                                                                      |
| Jaisalmer                                                                                                                                                                                                                                                      | 156.12                                                                                                                                                                                                                                                         | 625.07                                                                                                                                                                                                                                                         | 2,45,468                                                                                                                                                                                                                                                       |
| Jalore                                                                                                                                                                                                                                                         | 328.09                                                                                                                                                                                                                                                         | 1,483.86                                                                                                                                                                                                                                                       | 17,02,858                                                                                                                                                                                                                                                      |
| Jhalawar                                                                                                                                                                                                                                                       | 199.42                                                                                                                                                                                                                                                         | 597.61                                                                                                                                                                                                                                                         | 12,76,043                                                                                                                                                                                                                                                      |
| Jhunjhunu                                                                                                                                                                                                                                                      | 133.49                                                                                                                                                                                                                                                         | 540.08                                                                                                                                                                                                                                                         | 15,32,057                                                                                                                                                                                                                                                      |
| Jodhpur                                                                                                                                                                                                                                                        | 338.14                                                                                                                                                                                                                                                         | 1,361.59                                                                                                                                                                                                                                                       | 13,02,107                                                                                                                                                                                                                                                      |
| Karauli                                                                                                                                                                                                                                                        | 16.14                                                                                                                                                                                                                                                          | 7.87                                                                                                                                                                                                                                                           | 35,334                                                                                                                                                                                                                                                         |
| Kota                                                                                                                                                                                                                                                           | 127.04                                                                                                                                                                                                                                                         | 146.56                                                                                                                                                                                                                                                         | 3,38,467                                                                                                                                                                                                                                                       |
| Nagaur                                                                                                                                                                                                                                                         | 307.92                                                                                                                                                                                                                                                         | 1,071.17                                                                                                                                                                                                                                                       | 9,72,757                                                                                                                                                                                                                                                       |
| Pali                                                                                                                                                                                                                                                           | 93.93                                                                                                                                                                                                                                                          | 338.44                                                                                                                                                                                                                                                         | 5,66,043                                                                                                                                                                                                                                                       |
| Pratapgarh                                                                                                                                                                                                                                                     | 63.68                                                                                                                                                                                                                                                          | 126.13                                                                                                                                                                                                                                                         | 3,60,380                                                                                                                                                                                                                                                       |
| Rajsamand                                                                                                                                                                                                                                                      | 15.88                                                                                                                                                                                                                                                          | 7.88                                                                                                                                                                                                                                                           | 48,084                                                                                                                                                                                                                                                         |
| Sawai Madhopur                                                                                                                                                                                                                                                 | 50.53                                                                                                                                                                                                                                                          | 102.03                                                                                                                                                                                                                                                         | 5,61,740                                                                                                                                                                                                                                                       |
| Sikar                                                                                                                                                                                                                                                          | 142.09                                                                                                                                                                                                                                                         | 409.50                                                                                                                                                                                                                                                         | 11,95,669                                                                                                                                                                                                                                                      |
| Sirohi                                                                                                                                                                                                                                                         | 22.30                                                                                                                                                                                                                                                          | 56.84                                                                                                                                                                                                                                                          | 68,086                                                                                                                                                                                                                                                         |
| Sri Ganganagar                                                                                                                                                                                                                                                 | 228.59                                                                                                                                                                                                                                                         | 883.75                                                                                                                                                                                                                                                         | 29,43,663                                                                                                                                                                                                                                                      |
| Tonk                                                                                                                                                                                                                                                           | 148.64                                                                                                                                                                                                                                                         | 371.72                                                                                                                                                                                                                                                         | 9,02,341                                                                                                                                                                                                                                                       |
| Udaipur                                                                                                                                                                                                                                                        | 27.54                                                                                                                                                                                                                                                          | 91.90                                                                                                                                                                                                                                                          | 5,61,972                                                                                                                                                                                                                                                       |
| Total                                                                                                                                                                                                                                                          | 4,568.37                                                                                                                                                                                                                                                       | 18,861.78                                                                                                                                                                                                                                                      | 3,78,91,653                                                                                                                                                                                                                                                    |

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