Lok Sabha Question No. 1637 (UNSTARRED), answered on 2026-02-10
Subject: Evaluation of PM-KISAN Scheme
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Dr. Kalanidhi Veeraswamy

## GOVERNMENT OF INDIA MINISTRY OF AGRICULTURE AND FARMERS WELFARE

## DEPARTMENT OF AGRICULTURE AND FARMERS WELFARE

## LOK SABHA

## UNSTARRED QUESTION NO. 1637 TO BE ANSWERED ON 10 TH  FEBRUARY, 2026

## EVALUATION OF PM-KISAN SCHEME

1637. DR. KALANIDHI VEERASWAMY:

Will the Minister of Agriculture and Farmers Welfare क ृ िष एवं िकसान कʞाण मंũी be pleased to state:

- (a) whether the Government has conducted any evaluation of Pradhan Mantri Kisan Samman  Nidhi  (PM-KISAN)  scheme  and  Pradhan  Mantri  Fasal  Bima  Yojana (PMFBY) with regard to efficiency of Direct Benefit Transfer (DBT) mechanisms, particularly in identifying and eliminating delays in transfer of benefits to farmers;
- (b)  the  details  of  pending  and  delayed  PM-KISAN  payments  State-wise,  including Tamil Nadu, during last three years and reasons for such delays;
- (c) whether large numbers of eligible small and marginal farmers remain excluded from PMKISAN benefits due to issues related to land records, Aadhaar authentication failures, or banking related mismatches and if so, the corrective measures taken to resolve these gaps;
- (d) the number of farmers in Tamil Nadu and other States who have faced delays or denial of crop-insurance claim settlements under PMFBY; and
- (e)  the  steps  taken  to  ensure  transparent  and  time-bound  settlement  of  claims  by insurance companies?

## ANSWER

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

(a):       The PM-KISAN scheme is a central sector scheme launched in February 2019 by  the  Hon'ble  Prime  Minister  to  supplement  the  financial  needs  of  farmers  with cultivable land-holding. Under the scheme, a financial benefit of ₹ 6,000/- per year is transferred  in  three  equal  instalments,  into  the  Aadhaar  seeded  bank  accounts  of farmers through Direct Benefit Transfer (DBT) mode. Under the PM-KISAN Scheme, cultivable  landholding  is  primary  eligibility  criteria  to  receive  benefit  of  the  Scheme subject to certain exclusions relating to higher economic status.

A farmer-centric digital infrastructure has ensured the benefits of the scheme reach all the farmers across the country without involvement of any intermediaries. Maintaining  absolute  transparency  in  registering  and  verifying  beneficiaries,  the Government of India has disbursed over ₹ 4.09 lakh Cr. through 21 installments since inception of the Scheme.

There  have  been  multiple  impact  evaluation  assessments  of  the  PM-KISAN scheme that highlight its impact on farmers' income and rural economy. Their findings are as follows:

(i) An independent study conducted by the International Food Policy Research Institute (IFPRI) in 2019 analyzed how the cash transfers under the scheme were being utilized by farmers. The findings of the study suggest that the funds provided under PM-KISAN have significantly contributed to rural economic growth, alleviated credit constraints, and increased investments in agricultural inputs. Additionally, the funds have improved farmers' risk-taking capacity,  enabling  them  to make productive  yet riskier investments. Besides agricultural needs, the funds were also used to meet other expenses such as education, medical, and marriage costs.

(ii) The Department of Agriculture and Farmers Welfare has also implemented a comprehensive feedback mechanism using Kisan Call Centres (KCC), and surveys conducted have shown that more than 92% of the beneficiaries are satisfied with the scheme,  with  more  than  93%  of  the  farmers  utilising  the  benefits  for  agricultural activities.

(iii) The Development Monitoring and Evaluation Office (DMEO) of NITI Aayog conducted an impact evaluation study on the Pradhan Mantri Kisan Samman Nidhi (PM-KISAN) scheme. The study's findings demonstrate that the scheme is successfully  fulfilling  its  primary  function  of  providing  direct  financial  assistance  to farmers  holding  agricultural  land,  thereby  enhancing  their  economic  stability  and agricultural  productivity.  The  study  also  shows  that  over  92  percent  of  beneficiary farmers utilized the financial assistance for essential agricultural inputs such as seeds, fertilizers,  and pesticides, which are particularly important in the face of rising input costs and weather-related uncertainties.

Additionally,  approximately  85  percent  of  beneficiary  farmers  reported  an increase in agricultural income, and a significant reduction in reliance on informal credit during crop failures or medical emergencies. This study demonstrates the scheme's contribution to India's progress toward the Sustainable Development Goals related to poverty reduction, food security, gender equity, and institutional transparency. It also emphasizes that the PM-KISAN scheme has become an important pillar of the direct benefit transfer ecosystem, with transaction failures significantly reduced due to the Aadhaar-enabled payment system and continuous improvements in the system.

Government has introduced yield based Pradhan Mantri Fasal Bima Yojana (PMFBY) and weather index based Restructured Weather Based Crop Insurance Scheme (RWBCIS) from Kharif 2016 to provide financial support to farmers suffering crop loss/damage arising out of natural calamities, adverse weather incidence and to stabilize the income of farmers etc.

Under PMFBY, Government has undertaken development of National  Crop Insurance Portal (NCIP) as a single source of data ensuring subsidy payment, coordination,  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.

Further,  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 National Crop Insurance Portal (NCIP) with Public Finance Management System (PFMS) and accounting system of Insurance Companies to provide timely & transparent processing of all claims w.e.f. Kharif 2024, in case payment is not made timely by Insurance Company, penalty of 12% is auto-calculated and levied through NCIP.

(b) & (c): PM-Kisan is an entitlement based scheme and each eligible farmer is entitled  to  receive  the  benefit  of  the  scheme.  Under  the  PM-KISAN  Scheme, States/UTs  are  mandated  to  identify  and  verify  the  eligible  beneficiaries  under  the scheme  and  upload  the  data  of  eligible  farmers  including  land  records,  linking  of Aadhaar with their bank accounts and e-KYC for successful transfer of the benefits. The  registration  of  farmers  and  their  verification  under  the  Scheme  is  an  ongoing process. The farmers can register themselves through PM-KISAN Portal and Common Service  Centers  (CSCs).  All  such  applications  are  approved  by  the  concerned States/UTs after due verification. Thereafter, benefit is processed immediately by the Department and the same is released in the subsequent instalment.

Further, Land seeding, Aadhaar-based payments, and e-KYC have been made mandatory under the scheme. Farmers are intimated through SMS to complete the mandatory requirements to ensure the uninterrupted disbursement of benefits under PM-KISAN. As and when these farmers complete their mandatory requirements, their benefits under the Scheme resume from the subsequent instalment.

Under the PM-KISAN, 100% payments are released through Aadhaar based payment  directly  into  the  bank  account  seeded  with  beneficiaries'  Aadhaar.  This payment  process  does  not  use  the  bank  account  numbers  or  other  bank  account related information.

(d): Pradhan Mantri Fasal Bima Yojana (PMFBY) is voluntary for States as well as farmers. All willing farmers are eligible to enroll under the scheme. The State of Tamil Nadu has been implementing the scheme since its inception in 2016.

State-wise  details  of  claims  reported,  claims  paid  and  pending  claims  under PMFBY from 2020-21 to 2024-25 (as on 31.12.2025) are at Annexure.

(e): In addition to NCIP and Digiclaim Module, Government has taken various steps to  strengthen  implementation  of  PMFBY,  bring  transparency  and  ensure  timely settlement of claims under the scheme, such as:

-  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.
-  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.
-  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.'

## State-wise details of claims reported, claims paid and pending claims under PMFBY from 2020-21 to 2024-25 (as on 31.12.2025)

| State/UT Name    | Reported Claims   | Paid Claims    | Pending Claims   |
|------------------|-------------------|----------------|------------------|
|                  | (Rs. In Crore)    | (Rs. In Crore) | (Rs. In Crore)   |
| A & N Islands    | 0.05              | 0.05           | 0.00             |
| Andhra Pradesh   | 3,793.60          | 751.94         | 3,041.66         |
| Assam            | 639.85            | 617.84         | 22.01            |
| Chhattisgarh     | 3,713.87          | 3,712.42       | 1.44             |
| Goa              | 0.01              | 0.01           | 0.00             |
| Haryana          | 6,015.02          | 5,966.52       | 48.49            |
| Himachal Pradesh | 385.62            | 376.79         | 8.83             |
| Jammu & Kashmir  | 122.53            | 120.28         | 2.24             |
| Jharkhand        | 27.28             | -              | 27.28            |
| Karnataka        | 11,251.80         | 11,182.78      | 69.02            |
| Kerala           | 587.24            | 574.54         | 12.70            |
| Madhya Pradesh   | 13,923.73         | 13,877.83      | 45.90            |
| Maharashtra      | 27,115.96         | 26,812.78      | 303.18           |
| Manipur          | 6.90              | 6.74           | 0.16             |
| Meghalaya        | 24.30             | 24.08          | 0.21             |
| Odisha           | 2,594.33          | 2,583.67       | 10.67            |
| Puducherry       | 14.81             | 13.20          | 1.61             |
| Rajasthan        | 19,374.25         | 18,994.26      | 379.99           |
| Sikkim           | 0.04              | 0.03           | 0.01             |
| Tamil Nadu       | 5,961.62          | 5,917.27       | 44.35            |
| Tripura          | 9.78              | 9.67           | 0.11             |
| Uttar Pradesh    | 3,354.45          | 3,315.66       | 38.79            |
| Uttarakhand      | 1,168.26          | 1,119.45       | 48.81            |
| Total            | 1,00,085.31       | 95,977.84      | 4,107.48         |

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