Lok Sabha Question No. 1605 (UNSTARRED), answered on 2025-12-09
Subject: Timely settlement of Insurance Claims of PMFBY
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri Bidyut Baran Mahato, Shri Lumbaram Choudhary

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

## LOK SABHA UNSTARRED QUESTION NO. 1605

TO BE ANSWERED ON THE 9 th  DECEMBER, 2025

## TIMELY SETTLEMENT OF INSURANCE CLAIMS OF PMFBY

1605. SHRI LUMBARAM CHOUDHARY : SHRI BIDYUT BARAN MAHATO :

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

- (a) the total number of farmers who have been Insured under Pradhan Mantri Fasal Bima Yojana (PMFBY) since the implementation of this scheme, State-wise and particularly in Jalore and Sirohi districts in Rajasthan;
- (b) the details of measures which have been taken to ensure timely settlement of insurance claims to farmers of the country, State-wise including Jharkhand and particularly in Jalore and Sirohi districts in Rajasthan:
- (c) whether the Government has developed a digital monitoring or remote-sensing based system to assess crop losses more accurately; and
- (d) if so, the details thereof?

## ANSWER

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

- (a) :   The Pradhan Mantri Fasal Bima Yojana (PMFBY) and Restructured Weather Based Crop  Insurance  Scheme (RWBCIS)  were  introduced  in  the  country  from  Kharif  2016 season.    State-wise details of farmers application enrolled under the scheme along with Jalore & Sirohi Distts. of Rajasthan, since inception of the scheme in 2016-17 are given in Annexure.
- (b) to (d) : Government has taken various steps to strengthen implementation of this scheme all over India including Jharkhand and Rajasthan 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.

## PMFBY & RWBCIS: State wise Farmers Applications Insured from 2016-17 to 2024-25 (as on 31 st October, 2025)

| State/UT         | Application Insured (In No.)   |
|------------------|--------------------------------|
| A &NIslands      | 2,920                          |
| Andhra Pradesh   | 4,37,16,203                    |
| Assam            | 62,88,099                      |
| Bihar            | 52,31,142                      |
| Chhattisgarh     | 4,35,44,198                    |
| Goa              | 3,891                          |
| Gujarat          | 83,94,495                      |
| Haryana          | 3,88,85,481                    |
| Himachal Pradesh | 26,69,243                      |
| Jammu& Kashmir   | 9,61,259                       |
| Jharkhand        | 71,63,259                      |
| Karnataka        | 2,23,55,687                    |
| Kerala           | 9,63,528                       |
| Madhya Pradesh   | 10,19,37,987                   |
| Maharashtra      | 13,08,08,719                   |
| Manipur          | 38,748                         |
| Meghalaya        | 91,819                         |
| Odisha           | 6,54,84,317                    |
| Puducherry       | 1,97,592                       |
| Rajasthan        | 19,42,16,079                   |
| Sikkim           | 13,589                         |
| Tamil Nadu       | 3,81,69,842                    |
| Telangana        | 39,04,037                      |
| Tripura          | 14,00,683                      |
| Uttar Pradesh    | 5,29,44,824                    |
| Uttarakhand      | 20,00,126                      |
| West Bengal      | 1,38,05,173                    |
| Total            | 78,51,92,940                   |

PMFBY & RWBCIS: Details of Farmer Applications Insured  in Jalore and Sirohi Districts of Rajasthan from 2016-17 to 2024-25 (as on 31 st October, 2025)

| District   | Application Insured (In No.)   |
|------------|--------------------------------|
| Jalore     | 70,73,426                      |
| Sirohi     | 7,02,608                       |

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## ANNEXURE