Lok Sabha Question No. 248 (STARRED), answered on 2026-03-10
Subject: Delayed Payment of Claims under PMFBY
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Kumari Selja

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

## LOK SABHA STARRED QUESTION NO.  248

TO BE ANSWERED ON THE 10 TH  MARCH, 2026

## DELAYED PAYMENT OF CLAIMS UNDER PMFBY

## *248 KUMARI SELJA:

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

(a) the number of complaints received from farmers regarding non-payment or delayed payment of claims under the Pradhan Mantri Fasal Bima Yojana (PMFBY) during the last five years, particularly in Haryana;

(b)  the  reasons  for  delay  in  payment  of  compensation  under  the  said  scheme;

(c)  the  number  of farmers  who  have received  insurance benefits under the Pradhan Mantri Fasal Bima Yojana (PMFBY) during the last three years;

(d) the steps taken to improve accuracy and transparency in crop loss assessment and simplify the payment process under the scheme; and

(e)  the  measures  proposed  to  ensure  timely  settlement  of  claims  and  strengthen accountability of insurance companies to restore farmers' confidence ?

## ANSWER

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

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

## STATEMENT REFERRED TO PART (a) TO (e) OF LOK SABHA STARRED QUESTION NO. 248  FOR  10 TH   MARCH,  2026    REGARDING  DELAYED  PAYMENT  OF  CLAIMS  UNDER PMFBY

(a) & (b) :  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.    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) non-payment/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 issues are settled after their resolution as per provisions of the scheme.

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  facilitate  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.

State-wise details of PMFBY claims related complaints/grievances received on KRPH portal, including those of Haryana from January, 2024 to February 2026 are given in Annexure.

(c) : Details of number of farmer applications enrolled, amount of claims paid and number of farmer applications benefitted with claims under PMFBY during last three years i.e. from 202223 to 2024-25at all India level and in Haryana is as under:

| State/UT   | Applications Enrolled   | Paid Claims    | Benefitted Applications   |
|------------|-------------------------|----------------|---------------------------|
| State/UT   | (In No.)                | (Rs. In Crore) | (In No.)                  |
| Haryana    | 2,99,11,707             | 3,149.98       | 56,62,712                 |
| All India  | 40,76,52,900            | 54,883.28      | 9,81,69,412               |

(d) & (e): Government has taken various steps to strengthen implementation of PMFBY, 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 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.
-  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.

Following technologies for Objective Crop Damage & Loss Assessment and transparency have also been implemented recently w.e.f. 2023-24 under the scheme:

-  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.  YES-TECH is being implemented by 13 States/UTs during 2025-26.
-  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.      So  far,  10 States have initiated the implementation of WINDS.   At present, weather data is being received from over 12,000 stations.

The review/revisions / rationalization / improvements in the crop insurance schemes is a continuous  process  and  decision  on  suggestion/  representations/  recommendations  of  the stakeholders/studies are taken from time to time.   Based on the experience gained, views of various  stakeholders  and  with  a  view  to  ensure  better  transparency,  accountability,  timely payment of claims to the farmers and to make the scheme more farmer friendly, Government has periodically revised the Operational Guidelines of the PMFBY comprehensively to ensure that the eligible benefits under the scheme reach the farmers timely and transparently.

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.

## PMFBY: State-wise Claims-related KRPH Grievances recorded from Jan 2024 to Feb 2026

| State/UT         | Total claim related complaint/ grievance   | Resolved   | Resolved %   |
|------------------|--------------------------------------------|------------|--------------|
| Andhra Pradesh   | 9,370                                      | 9,369      | 100.0%       |
| Assam            | 2,956                                      | 2,952      | 99.9%        |
| Chhattisgarh     | 5,217                                      | 5,214      | 99.9%        |
| Delhi            | 7                                          | 7          | 100.0%       |
| Haryana          | 41,526                                     | 41,309     | 99.5%        |
| Himachal Pradesh | 620                                        | 620        | 100.0%       |
| Jammu & Kashmir  | 3,289                                      | 3,274      | 99.5%        |
| Jharkhand        | 6,411                                      | 6,396      | 99.8%        |
| Karnataka        | 89                                         | 88         | 98.9%        |
| Kerala           | 2,379                                      | 2,336      | 98.2%        |
| Madhya Pradesh   | 61,320                                     | 61,189     | 99.8%        |
| Maharashtra      | 14,81,331                                  | 14,81,141  | 100.0%       |
| Manipur          | 13                                         | 13         | 100.0%       |
| Meghalaya        | 8                                          | 8          | 100.0%       |
| Odisha           | 29,885                                     | 29,838     | 99.8%        |
| Puducherry       | 144                                        | 140        | 97.2%        |
| Rajasthan        | 2,71,708                                   | 2,69,329   | 99.1%        |
| Tamil Nadu       | 44,299                                     | 44,126     | 99.6%        |
| Telangana        | 104                                        | 102        | 98.1%        |
| Tripura          | 20                                         | 20         | 100.0%       |
| Uttar Pradesh    | 54,261                                     | 54,045     | 99.6%        |
| Uttarakhand      | 11,695                                     | 11,684     | 99.9%        |
| West Bengal      | 4                                          | 4          | 100.0%       |
| Total            | 20,26,656                                  | 20,23,204  | 100%         |

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