Lok Sabha Question No. 496 (UNSTARRED), answered on 2026-02-03
Subject: Pradhan Mantri Fasal Bima Yojana
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri Nalin Soren, Shri Vishweshwar Hegde Kageri, Shri Bhojraj Nag, Shri Arvind Dharmapuri, Shri Vijay Kumar Dubey

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

## LOK SABHA UNSTARRED QUESTION NO. 496

TO BE ANSWERED ON THE 03 RD  FEBRUARY, 2026

## PRADHAN MANTRI FASAL BIMA YOJANA

496.   Shri Bhojraj Nag: Shri Vijay Kumar Dubey: Shri Arvind Dharmapuri: Shri Vishweshwar Hegde Kageri: Shri Nalin Soren:

Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ ͪष एवं ͩकसान कãयाण मंğी be pleased to state:

(a)  the  total  area  of  land  insured,  number  of  farmers  covered  and  premium  collected under Pradhan Mantri Fasal Bima Yojana (PMFBY) in the country up to December 2025, State-wise particularly in Dumka in Jharkhand and Chhattisgarh;

(b)  the  number  of  claims  filed,  settled,  amount  paid  and  the  average  time  taken  for settlement, State-wise;

(c) the number of claims settled under the scheme up to December 2025 particularly in Kanker, Balod, Dhamtari and Kondagaon districts under Kanker Lok Sabha constituency of Chhattisgarh;

(d) whether any additional provisions have been made under the scheme to cover local risks or local disasters and if so, the details thereof;

(e) whether the Government have received any complaints from elected representatives against the insurance company, if so, the details thereof; and

(f)  whether  the  Government  has  assessed  reasons  for  delayed  claims,  if  so,  the  steps taken to improve timelines and transparency?

## ANSWER

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

(a)  &  (b)  :  State-wise  details  of  area  insured,  number  of  farmer  applications  enrolled, premium  paid  by  farmers  and  claims  paid  during  2024-25  alongwith  coverage  details  of

O.I.H.

Dumka district of Jharikhand under Pradhan Mantri Fasal Bima Yojana (PMFBY) are given in Annexure.

(c)  :    Details  of  claims  paid  and  number  of  applications  to  whom  claims  paid  in  Kanker, Balod,  Dhamtari  and  Kondagaon  distircts  of  Chattisgarh  during  2022-23  to  2024-25  are given below :

| District   |   Paid Claims (Rs. In Crore) | Application Benefitted (In No.)   |
|------------|------------------------------|-----------------------------------|
| Balod      |                        33.25 | 90,668                            |
| Dhamtari   |                        26.72 | 1,28,511                          |
| Kanker     |                       102.57 | 2,15,190                          |
| Kondagaon  |                        15.83 | 37,937                            |

(d) to (f): The PMFBY), introduced in the country from 2016-17 is voluntary for the States as well  as  farmers.    The  scheme  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/crop  loss,  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.

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.

Majority of the claims  are settled within the stipulated  timelines  under  the Operational Guidelines of the scheme by the insurance companies.  However, during the implementation of PMFBY, some complaints including complaints from elected representatives 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.

Government has taken various steps to strengthen implementation of this scheme, 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.
-  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.
-  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.
-  Provision of 12% penalty on delay in payment of claims by insurance company is auto calculated on National Crop Insurance Portal (NCIP).
-  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.

Following  technologies  for  Objective  Crop  Damage  &  Loss  Assessment  and transparency have also been implemented recently 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.

Further,  the  review/revisions  /  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,  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  in  2018, 2020 and 2023.

## Annexure

| PMFBY & RWBCIS: State Wise Coverage and Claims Report from 2022-23 to 2024-25 State/UT Name   | Application Enrolled   | Area Insured   | Farmer Share of Premium   | as Reported Claims   | 31-12-2025 Paid Claims   |
|-----------------------------------------------------------------------------------------------|------------------------|----------------|---------------------------|----------------------|--------------------------|
|                                                                                               | (In No.)               | (In Lakh Ha)   | (Rs. In Crore)            | (Rs. In Crore)       | (Rs. In Crore)           |
| A & N Islands                                                                                 | 571                    | 0.00           | 0.01                      | 0.05                 | 0.05                     |
| Andhra Pradesh                                                                                | 3,48,81,333            | 110.13         | 32.52                     | 3,793.60             | 751.94                   |
| Assam                                                                                         | 24,67,541              | 14.20          | 18.75                     | 176.26               | 173.39                   |
| Chhattisgarh                                                                                  | 2,39,37,249            | 71.26          | 657.34                    | 1,394.06             | 1,392.68                 |
| Goa                                                                                           | 1,223                  | 0.00           | 0.01                      | 0.01                 | 0.01                     |
| Haryana                                                                                       | 2,99,11,707            | 33.88          | 781.06                    | 3,190.63             | 3,149.98                 |
| Himachal Pradesh                                                                              | 8,60,040               | 137.16         | 104.18                    | 219.70               | 214.16                   |
| Jammu & Kashmir                                                                               | 5,45,247               | 2.49           | 34.67                     | 69.78                | 67.56                    |
| Jharkhand                                                                                     | 27,01,803              | 13.57          | 0.27                      | 27.28                | -                        |
| Karnataka                                                                                     | 94,35,377              | 72.33          | 1,141.86                  | 8,630.78             | 8,564.92                 |
| Kerala                                                                                        | 5,40,296               | 2.22           | 36.23                     | 357.38               | 346.68                   |
| Madhya Pradesh                                                                                | 5,40,47,202            | 270.42         | 1,986.72                  | 3,341.31             | 3,309.07                 |
| Maharashtra                                                                                   | 5,69,54,426            | 374.01         | 1,261.22                  | 21,031.87            | 20,780.47                |
| Manipur                                                                                       | 13,758                 | 0.11           | 1.48                      | 5.45                 | 5.29                     |
| Meghalaya                                                                                     | 86,997                 | 0.33           | 0.05                      | 24.23                | 24.01                    |
| Odisha                                                                                        | 3,68,63,540            | 41.88          | 156.90                    | 978.41               | 967.85                   |
| Puducherry                                                                                    | 1,29,984               | 0.40           | 0.01                      | 11.32                | 9.71                     |
| Rajasthan                                                                                     | 11,46,66,264           | 312.46         | 2,840.85                  | 10,283.13            | 9,929.69                 |
| Sikkim                                                                                        | 8,874                  | 0.01           | 0.26                      | 0.02                 | 0.01                     |
| Tamil Nadu                                                                                    | 1,69,66,741            | 43.49          | 467.06                    | 2,491.01             | 2,446.69                 |
| Tripura                                                                                       | 7,46,045               | 1.61           | 1.42                      | 4.57                 | 4.46                     |
| Uttar Pradesh                                                                                 | 2,11,29,576            | 77.15          | 836.49                    | 1,920.85             | 1,882.33                 |
| Uttarakhand                                                                                   | 7,57,106               | 170.23         | 184.88                    | 911.14               | 862.33                   |
| Total                                                                                         | 40,76,52,900           | 1,749.35       | 10,544.28                 | 58,862.84            | 54,883.28                |

| PMFBY & RWBCIS: Coverage Report of Dumka District of Jharkhand in 2024-25   |
|-----------------------------------------------------------------------------|
| as on 31-12-2025                                                            |

| District   | Application Enrolled   | Area Insured   | Farmer Share of Premium   | Reported Claims   | Paid Claims   |
|------------|------------------------|----------------|---------------------------|-------------------|---------------|
|            | (In No.)               | (In Ha)        | (In Rs.)                  | (In Rs.)          | (In Rs.)      |
| Dumka      | 2,21,427               | 1,01,162       | 2,21,427                  | Not Reported      | -             |

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