The Pradhan Mantri Fasal Bima Yojna (PMFBY), a demand-driven and voluntary crop insurance scheme, has shown increasing farmer enrollment since its introduction in Kharif 2016. Total farmer enrollment increased by 32%, from 3.17 crore in 2022-23 to 4.19 crore in 2024-25, the highest since the scheme's inception. In 2024-25, tenant, marginal, and loanee farmers constituted 6.5%, 17.6%, and 48% of enrolled farmers, respectively.
The government has implemented measures to strengthen the scheme, including the development of the National Crop Insurance Portal (NCIP) for data management, subsidy payment, coordination, transparency, and service delivery. The Digiclaim module, operational since Kharif 2022, integrates NCIP with the Public Finance Management System (PFMS) and insurance company accounting systems for timely claim processing. A penalty of 12% is auto-calculated and levied through NCIP for delayed claim payments by insurance companies beginning Kharif 2024. The central government's premium subsidy is delinked from state governments' shares to ensure proportionate claim disbursement. Opening of ESCROW Accounts by the State Governments for deposit of their premium share in advance has been made mandatory w.e.f. Kharif 2025 season.
Technology is being leveraged through initiatives such as capturing yield data via the CCEAgri App, integrating state land records with NCIP, and allowing insurance companies to witness Crop Cutting Experiments (CCEs) to improve claim settlement. A 12% penalty is in place for delayed claim payments. Awareness campaigns, including Crop Insurance Week (Fasal Bima Saptah) and Fasal Bima Pathshalas, are conducted to disseminate information. The "Meri Policy Mere Haath" mega drive distributes hard copies of crop insurance policies.
Since 2023-24, Yield Estimation System Based on Technology (YESTECH) for remote sensing-based yield estimation has been implemented, assigning a 30% weightage to YESTECH-derived yields for paddy and wheat crops (with soybean added in Kharif 2024). The Weather Information Network and Data System (WINDS) is expanding the network of Automatic Weather Stations (AWS) and Automatic Rain Gauges (ARG) for hyper-local weather data collection, integrated with the India Meteorological Department (IMD).
As of June 30, 2025, total claims pending across states and UTs amounted to Rs. 6,456.6 crore, with significant pending amounts in Rajasthan, Andhra Pradesh and Madhya Pradesh. The Minister of State for Agriculture and Farmers Welfare provided this information in a written reply in Rajya Sabha.
Key Entities Referenced
Ministry of Agriculture Farmers Welfare: The government ministry responsible for agriculture and farmer welfare.
Pradhan Mantri Fasal Bima Yojna (PMFBY): A crop insurance scheme introduced in India from Kharif 2016 season.
National Crop Insurance Portal (NCIP): A centralized online platform for crop insurance data management, subsidy payment, and service delivery.
Public Finance Management System (PFMS): A platform used for managing government finances and facilitating claim payments.
Crop Cutting Experiments (CCEs): A method for estimating crop yield by harvesting and analyzing crop samples.
India Meteorological Department (IMD): The principal agency responsible for meteorological observations, weather forecasting and seismology in India.
Andhra Pradesh: A state in India mentioned in the context of claims pending data.
Shri Ramnath Thakur: Minister of State for Agriculture and Farmers Welfare.
Ministry of Agriculture & Farmers Welfare
IMPLEMENTATION OF PMFBY
Posted On: 25 JUL 2025 6:24PM by PIB Delhi
The Pradhan Mantri Fasal Bima Yojna (PMFBY) was introduced in the country from Kharif 2016 season.
The scheme is demand driven and voluntary for the States/UTs as well as farmers. However, the coverage
of farmers including non-loanee farmers, small & marginal farmers and tenant farmers is increasing under the
scheme is showing increasing trends year-on-year basis. Keeping in view the various steps taken by the
Government, total number farmers enrolled has increased from 3.17 crore in 2022-23 to 4.19 crore in 2024-
25, i.e. an increase of 32%. The number of farmers enrolled in 2024-25 under the scheme is at its highest
since inception of the scheme. Year-wise and State-wise details of claims pending during 2020-21 to 2024-
25 are given in Annexure.
Out of the total farmer applications enrolled under the scheme in 2024-25, 6.5%, 17.6% and 48% are
pertaining to tenant, marginal and loanee farmers respectively.
Government has taken various steps to strengthen implementation of this scheme including increase in
coverage of farmer applications, bring transparency, ensure timely settlement of claims and increase
awareness of the scheme:
Government has undertaken development of National Crop Insurance Portal (NCIP) as a single
(cid:108)
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
(cid:108)
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
(cid:108)
been implemented so that farmers can get proportionate claims relating to the Central Government
share.
Opening of ESCROW Account by the State Government concerned for deposit of their premium
(cid:108)
share in advance as per provisions of the scheme has been made mandatory w.e.f. Kharif 2025
season.
Also, towards leveraging technology in implementation of the scheme, various steps like capturing
(cid:108)
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
(cid:108)
on National Crop Insurance Portal (NCIP).
The Government has actively supported the awareness activities being carried out by the States,
(cid:108)
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
(cid:108)
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
(cid:108)
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 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
PMFBY & RWBCIS: State Wise Claims Pending Data for Five Years as on 30.06.2025
Claims Pending (Rs. In Crore)
State/ UTs Total
2020-21 2021-22 2022-23 2023-24 2024-25
A & N Islands - - - - 0.0 0.0
A n d h r a
- 132.1 2,235.1 224.9 2,565.8
Pradesh
Assam 0.0 19.1 1.0 3.9 8.2 32.2
Chhattisgarh 0.1 0.1 0.1 0.3 136.7 137.3
Goa - - - - - -
Haryana 6.9 3.2 23.9 8.1 23.4 65.4
H i m a c h a l
0.2 0.1 0.2 0.3 6.4 7.2
Pradesh
J a m m u &
- 0.1 1.7 2.6 4.5
Kashmir
Jharkhand 27.2 27.2
Karnataka 1.7 1.7 2.7 12.5 4.9 23.6
Kerala 0.4 0.2 0.1 - - 0.7
M a d h y a
13.5 7.1 8.4 177.9 1,261.7 1,468.6
Pradesh
Maharashtra 39.7 3.1 55.6 76.6 159.3 334.2Manipur - - 0.0 0.0 - 0.0
Meghalaya - - - 0.6 0.1 0.7
Odisha 0.0 0.0 6.1 2.9 5.9 15.0
Puducherry - - 0.3 0.7 1.7 2.6
Rajasthan 10.6 14.7 26.2 194.5 1,279.3 1,525.2
Sikkim - - - 0.0 0.0 0.0
Tamil Nadu 0.1 - 1.9 4.1 118.4 124.6
Telangana - -
Tripura - - 0.1 0.2 0.0 0.3
Uttar Pradesh 0.3 - 30.5 12.5 77.9 121.1
Uttarakhand - - 0.3 0.1 0.0 0.4
West Bengal - -
Total 73.5 49.3 289.4 2,732.0 3,338.7 6,456.6
This information was given by Minister of State for Agriculture and Farmers Welfare, shri Shri Ramnath
Thakur in a written reply in Rajya Sabha today.
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RC/ KSR/AR
(Release ID: 2148513)