Lok Sabha Question No. 662 (UNSTARRED), answered on 2026-02-03
Subject: Pending Claims of PMFBY
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri E Tukaram

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

## LOK SABHA

## UNSTARRED QUESTION NO. 662

TO BE ANSWERED ON THE 03 RD  FEBRUARY, 2026

## PENDING CLAIMS OF PMFBY

662. Shri E Tukaram:

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

(a) whether the Government is aware that a large number of crop insurance claims under the Pradhan Mantri Fasal Bima Yojana (PMFBY) remain pending for settlement till date in several States, including Karnataka, causing serious hardship to farmers;

(b) if so, the details of such pending claims along with the total amount involved, Statewise and season-wise;

(c) the details of pending PMFBY claims in Karnataka and the specific reasons for the delay in settlement, district-wise;

(d)  whether  accountability  has  been  fixed  on  implementing  agencies  and  empanelled insurance companies for failure to settle claims on time; and

(e) if not, the reasons therefor and the concrete steps being taken to ensure time-bound payment of all pending crop insurance claims to farmers?

## ANSWER

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

.

(a) to (e) :  State-wise details of claims reported, claims paid and pending during 2020-21 to 2024-25  under Pradhan Mantri Fasal Bima Yojana (PMFBY)  are given in Annexure-I Similarly district-wise details in respect of Karnataka are given in Annexure-II .

Majority of the admissible claims under Pradhan Mantri Fasal Bima Yojana (PMFBY) are settled  within the stipulated timelines under the Operational Guidelines of the scheme by the insurance companies.    However, during the implementation of the scheme  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.

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.

Annexure-I

| PMFBY & RWBCIS: All India State Wise Claims Report from 2020-21 to 2024-25 as on 31.12.2025   | PMFBY & RWBCIS: All India State Wise Claims Report from 2020-21 to 2024-25 as on 31.12.2025   | PMFBY & RWBCIS: All India State Wise Claims Report from 2020-21 to 2024-25 as on 31.12.2025   | PMFBY & RWBCIS: All India State Wise Claims Report from 2020-21 to 2024-25 as on 31.12.2025   | PMFBY & RWBCIS: All India State Wise Claims Report from 2020-21 to 2024-25 as on 31.12.2025   | PMFBY & RWBCIS: All India State Wise Claims Report from 2020-21 to 2024-25 as on 31.12.2025   | PMFBY & RWBCIS: All India State Wise Claims Report from 2020-21 to 2024-25 as on 31.12.2025   |
|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------|
| State/UT Name                                                                                 | KHARIF                                                                                        | KHARIF                                                                                        | KHARIF                                                                                        | RABI                                                                                          | RABI                                                                                          | RABI                                                                                          |
|                                                                                               | Reported Claims                                                                               | Paid Claims                                                                                   | Pending Claims                                                                                | Reported Claims                                                                               | Paid Claims                                                                                   | Pending Claims                                                                                |
|                                                                                               | (Rs. In Crore)                                                                                | (Rs. In Crore)                                                                                | (Rs. In Crore)                                                                                | (Rs. In Crore)                                                                                | (Rs. In Crore)                                                                                | (Rs. In Crore)                                                                                |
| A & N Islands                                                                                 | 0.05                                                                                          | 0.04                                                                                          | 0.00                                                                                          | 0.01                                                                                          | 0.01                                                                                          | -                                                                                             |
| Andhra Pradesh                                                                                | 2,797.55                                                                                      | 613.52                                                                                        | 2,184.03                                                                                      | 996.06                                                                                        | 138.42                                                                                        | 857.63                                                                                        |
| Assam                                                                                         | 231.09                                                                                        | 226.47                                                                                        | 4.61                                                                                          | 408.76                                                                                        | 391.36                                                                                        | 17.40                                                                                         |
| Chhattisgarh                                                                                  | 2,270.87                                                                                      | 2,270.32                                                                                      | 0.55                                                                                          | 1,443.00                                                                                      | 1,442.11                                                                                      | 0.89                                                                                          |
| Goa                                                                                           | 0.01                                                                                          | 0.01                                                                                          | 0.00                                                                                          | 0.00                                                                                          | 0.00                                                                                          | -                                                                                             |
| Haryana                                                                                       | 4,971.78                                                                                      | 4,938.37                                                                                      | 33.42                                                                                         | 1,043.23                                                                                      | 1,028.15                                                                                      | 15.08                                                                                         |
| Himachal Pradesh                                                                              | 59.45                                                                                         | 58.23                                                                                         | 1.22                                                                                          | 326.17                                                                                        | 318.56                                                                                        | 7.61                                                                                          |
| Jammu & Kashmir                                                                               | 112.24                                                                                        | 110.26                                                                                        | 1.98                                                                                          | 10.28                                                                                         | 10.02                                                                                         | 0.26                                                                                          |
| Jharkhand                                                                                     | 20.64                                                                                         | -                                                                                             | 20.64                                                                                         | 6.64                                                                                          | -                                                                                             | 6.64                                                                                          |
| Karnataka                                                                                     | 9,997.03                                                                                      | 9,969.29                                                                                      | 27.75                                                                                         | 1,254.77                                                                                      | 1,213.49                                                                                      | 41.27                                                                                         |
| Kerala                                                                                        | 301.92                                                                                        | 295.35                                                                                        | 6.56                                                                                          | 285.33                                                                                        | 279.19                                                                                        | 6.14                                                                                          |
| Madhya Pradesh                                                                                | 11,127.85                                                                                     | 11,094.88                                                                                     | 32.96                                                                                         | 2,795.88                                                                                      | 2,782.95                                                                                      | 12.93                                                                                         |
| Maharashtra                                                                                   | 21,831.37                                                                                     | 21,595.81                                                                                     | 235.57                                                                                        | 5,284.59                                                                                      | 5,216.97                                                                                      | 67.62                                                                                         |
| Manipur                                                                                       | 6.89                                                                                          | 6.73                                                                                          | 0.16                                                                                          | 0.02                                                                                          | 0.01                                                                                          | 0.00                                                                                          |
| Meghalaya                                                                                     | 24.30                                                                                         | 24.08                                                                                         | 0.21                                                                                          | -                                                                                             | -                                                                                             | -                                                                                             |
| Odisha                                                                                        | 2,555.27                                                                                      | 2,546.38                                                                                      | 8.89                                                                                          | 39.06                                                                                         | 37.28                                                                                         | 1.78                                                                                          |
| Puducherry                                                                                    | 8.27                                                                                          | 7.55                                                                                          | 0.72                                                                                          | 6.54                                                                                          | 5.65                                                                                          | 0.89                                                                                          |
| Rajasthan                                                                                     | 11,708.25                                                                                     | 11,495.68                                                                                     | 212.57                                                                                        | 7,666.00                                                                                      | 7,498.58                                                                                      | 167.42                                                                                        |
| Sikkim                                                                                        | 0.01                                                                                          | -                                                                                             | 0.01                                                                                          | 0.03                                                                                          | 0.03                                                                                          | -                                                                                             |
| Tamil Nadu                                                                                    | 264.52                                                                                        | 264.27                                                                                        | 0.25                                                                                          | 5,697.10                                                                                      | 5,653.00                                                                                      | 44.10                                                                                         |
| Tripura                                                                                       | 7.55                                                                                          | 7.49                                                                                          | 0.05                                                                                          | 2.24                                                                                          | 2.18                                                                                          | 0.06                                                                                          |
| Uttar Pradesh                                                                                 | 2,448.87                                                                                      | 2,428.79                                                                                      | 20.08                                                                                         | 905.58                                                                                        | 886.87                                                                                        | 18.71                                                                                         |
| Uttarakhand                                                                                   | 402.48                                                                                        | 401.53                                                                                        | 0.95                                                                                          | 765.78                                                                                        | 717.92                                                                                        | 47.86                                                                                         |
| Total                                                                                         | 71,148.24                                                                                     | 68,355.07                                                                                     | 2,793.17                                                                                      | 28,937.07                                                                                     | 27,622.77                                                                                     | 1,314.30                                                                                      |

Annexure-II

| PMFBY & RWBCIS: District wise Claims Report of Karnataka from 2020-21 to 2024-25 as on 31.12.2025   | PMFBY & RWBCIS: District wise Claims Report of Karnataka from 2020-21 to 2024-25 as on 31.12.2025   | PMFBY & RWBCIS: District wise Claims Report of Karnataka from 2020-21 to 2024-25 as on 31.12.2025   | PMFBY & RWBCIS: District wise Claims Report of Karnataka from 2020-21 to 2024-25 as on 31.12.2025   |
|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|
| District (Karnataka)                                                                                | Reported Claims                                                                                     | Paid Claims                                                                                         | Pending Claims                                                                                      |
| District (Karnataka)                                                                                | (Rs. In Crore)                                                                                      | (Rs. In Crore)                                                                                      | (Rs. In Crore)                                                                                      |
| Bagalkot                                                                                            | 421.45                                                                                              | 401.28                                                                                              | 20.16                                                                                               |
| Ballari                                                                                             | 46.83                                                                                               | 46.64                                                                                               | 0.18                                                                                                |
| Belagavi                                                                                            | 451.72                                                                                              | 448.80                                                                                              | 2.92                                                                                                |
| Bengaluru Rural                                                                                     | 10.96                                                                                               | 10.94                                                                                               | 0.03                                                                                                |
| Bengaluru Urban                                                                                     | 1.12                                                                                                | 1.09                                                                                                | 0.03                                                                                                |
| Bidar                                                                                               | 232.61                                                                                              | 232.30                                                                                              | 0.31                                                                                                |
| Chamarajnagar                                                                                       | 16.00                                                                                               | 15.96                                                                                               | 0.04                                                                                                |
| Chikkaballapur                                                                                      | 166.32                                                                                              | 165.69                                                                                              | 0.63                                                                                                |
| Chikkamagaluru                                                                                      | 351.89                                                                                              | 349.75                                                                                              | 2.14                                                                                                |
| Chitradurga                                                                                         | 560.57                                                                                              | 560.31                                                                                              | 0.26                                                                                                |
| Dakshinakannada                                                                                     | 1,115.78                                                                                            | 1,110.41                                                                                            | 5.37                                                                                                |
| Davangere                                                                                           | 376.82                                                                                              | 375.77                                                                                              | 1.06                                                                                                |
| Dharwad                                                                                             | 582.75                                                                                              | 581.55                                                                                              | 1.21                                                                                                |
| Gadag                                                                                               | 1,122.48                                                                                            | 1,120.66                                                                                            | 1.82                                                                                                |
| Hasan                                                                                               | 202.13                                                                                              | 201.77                                                                                              | 0.36                                                                                                |
| Haveri                                                                                              | 1,272.35                                                                                            | 1,270.81                                                                                            | 1.55                                                                                                |
| Kalaburgi                                                                                           | 732.07                                                                                              | 730.80                                                                                              | 1.27                                                                                                |
| Kodagu                                                                                              | 10.03                                                                                               | 9.95                                                                                                | 0.08                                                                                                |
| Kolar                                                                                               | 48.27                                                                                               | 48.18                                                                                               | 0.09                                                                                                |
| Koppal                                                                                              | 305.45                                                                                              | 305.01                                                                                              | 0.44                                                                                                |
| Mandya                                                                                              | 72.43                                                                                               | 72.35                                                                                               | 0.08                                                                                                |
| Mysuru                                                                                              | 7.11                                                                                                | 7.08                                                                                                | 0.03                                                                                                |
| Raichur                                                                                             | 187.84                                                                                              | 171.16                                                                                              | 16.68                                                                                               |
| Ramanagara                                                                                          | 83.60                                                                                               | 81.38                                                                                               | 2.22                                                                                                |
| Shivamogga                                                                                          | 611.03                                                                                              | 607.03                                                                                              | 4.00                                                                                                |
| Tumakuru                                                                                            | 269.98                                                                                              | 269.51                                                                                              | 0.46                                                                                                |
| Udupi                                                                                               | 98.06                                                                                               | 97.34                                                                                               | 0.72                                                                                                |
| Uttarkannada                                                                                        | 306.07                                                                                              | 305.65                                                                                              | 0.42                                                                                                |
| Vijayanagara                                                                                        | 227.63                                                                                              | 225.54                                                                                              | 2.09                                                                                                |
| Vijayapura                                                                                          | 1,328.36                                                                                            | 1,326.16                                                                                            | 2.20                                                                                                |
| Yadgiri                                                                                             | 32.09                                                                                               | 31.91                                                                                               | 0.17                                                                                                |
| Total (Karnataka)                                                                                   | 11,251.80                                                                                           | 11,182.78                                                                                           | 69.02                                                                                               |

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