Lok Sabha Question No. 680 (UNSTARRED), answered on 2026-02-03
Subject: Performance of PMFBY in Perambalur
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Thiru Arun Nehru

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

## LOK SABHA UNSTARRED QUESTION NO. 680

TO BE ANSWERED ON THE 03 RD  FEBRUARY, 2026

## PERFORMANCE OF PMFBY IN PERAMBALUR

680. Thiru Arun Nehru:

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

- (a) the total number of farmer applications enrolled and area insured under the Pradhan Mantri Fasal Bima Yojana (PMFBY) in Perambalur District since 2020, season-wise and crop- wise;
- (b) the amount of premium collected, claims lodged, claims settled and compensation paid to farmers in the constituency under this scheme for the same period;
- (c) the names of the insurance companies engaged and reasons, if any, for delays in claim settlement reported in the constituency; and
- (d) the measures taken to improve awareness, grievance redressal and timely benefit delivery to farmers under this scheme in the region?

## ANSWER

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

(a) to  (c)  :      In  order  to  secure  the  farmers  against  the  crop  yield  losses  due  to  natural risks/calamities, adverse weather conditions, pests & diseases etc., Pradhan Mantri Fasal Bima  Yojana  (PMFBY)  is  being  implemented  by  the  Government.        PMFBY  provides comprehensive  risk  coverage  from  pre-sowing  to  post  harvest  losses  against  nonpreventable  natural  risks,  whereas  the  RWBCIS  provides  indemnification  for  likely  crop losses due to deviation in weather indices.

The scheme is voluntary for the States as well as farmers.  State Government of Tamil  Nadu  is  implementing  the  scheme  since  its  inception  in  Kharif  2016  in  the  State including  Perambalur  district.      Season-wise  details  of  coverage  and  claims  paid  in Perambalur district from 2020-21 to 2024-25  under PMFBY are given below :

| Year   | Season   | Applicati ons Enrolled   | Area Insured   | Farmer Share of Premium   | Report ed Claim s   | Paid Claims    | Application Benefitted   |
|--------|----------|--------------------------|----------------|---------------------------|---------------------|----------------|--------------------------|
|        |          | (In No.)                 | (In Ha)        | (Rs. In Crore)            | (Rs. In Crore)      | (Rs. In Crore) | (In No.)                 |
| 2020   | Kharif   | 205                      | 128            | 0.04                      | 0.04                | 0.04           | 84                       |
|        | Rabi     | 85,117                   | 19,299         | 1.69                      | 34.15               | 34.15          | 79831                    |
| 2021   | Kharif   | 117                      | 108            | 0.06                      | 0.07                | 0.07           | 62                       |
|        | Rabi     | 23,070                   | 6,243          | 1.29                      | 20.68               | 20.68          | 20552                    |
| 2022   | Rabi     | 1,88,706                 | 41,416         | 5.28                      | 0.88                | 0.88           | 3214                     |
| 2023   | Rabi     | 1,75,972                 | 38,580         | 4.09                      | 111.38              | 111.23         | 170522                   |
| 2024   | Kharif   | 295                      | 141            | 0.06                      | 0.08                | 0.00           | 56                       |
|        | Rabi     | 2,96,916                 | 65,393         | 6.55                      | 35.62               | 35.48          | 155390                   |
| Total  | Total    | 7,70,398                 | 1,71,308       | 19.06                     | 202.91              | 202.53         | 4,29,711                 |

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) 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 issue are settled after their resolution as per provisions of the scheme.

(c) : 20 including all the 5 Public Sector General Insurance Companies are empaneled for implementing of the scheme in the country.  But specific company(ies) in the State are selected  by  the  State  Government  concerned  through  competitive  bidding  process. Agriculture  Insurance  Company  of  India  Ltd.,  Iffco  Tokio  General  Insurance,  Kshema General  Insurance  and  Indusind  General  Insurance  Companies  have  implemented  the scheme in one or more seasons in Perambalur district of Tamil Nadu from 2020-21 to 202425.

(d) : Government has taken various steps to strengthen implementation of this scheme all over  India  including  districts  of  Tamil  Nadu  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, a penalty of 12% is to be paid by them also.
-  Tranche based claims payment 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.
-  The Government has actively supported the awareness activities being carried out by  the  States,  implementing  Insurance  Companies,  financial  institutions,  and Common Service Centres (CSCs) network to disseminate key features of PMFBY amongst farmers and members of Panchayati Raj Institutions (PRIs).
-  Structured awareness campaign 'Crop Insurance Week/Fasal Bima Saptah' has been initiated by the Ministry of Agriculture and Farmers Welfare since Kharif 2021 season onwards. Along with this, 'Fasal Bima  Pathshalas' are also being organized at village/GP level for knowledge building of farmers on various aspects of scheme implementation.
-  Government had also organized a nationwide Doorstep Crop Insurance Policy/receipt Distribution mega drive - 'Meri Policy Mere Haath'. Hard copies of crop insurance policy receipts are distributed to farmers enrolled under PMFBY through special camps at gram Panchayat/village level.

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.

To  further  improve  the  grievance  redressal  mechanism  already  provided  in  the Operational Guidelines of the scheme, 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  all farmers  including farmers of Perambalur can raise their grievances/issues.  Timelines to resolve these grievances/issues has also been fixed.

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