**Executive Summary**
This document is the answer to Unstarred Question No. 417 raised in the Lok Sabha concerning the assessment of crop loss under the Pradhan Mantri Fasal Bima Yojana (PMFBY), to be answered on December 2nd, 2025. It addresses concerns regarding the timeliness of insurance company surveyor assessments, the basis for compensation, and farmer representation in committees. Key actions include timely claim assessment by insurance and state representatives, and addressing grievances through established committees.
**Key Points / Main Content**
* **Assessment and Compensation of Crop Loss:**
* Losses from localized calamity and post-harvest are assessed by a committee with insurance company and state government representatives.
* Insurance companies appoint representatives/loss assessors/surveyors to the committee.
* Final claims are paid based on the committee's recommendation/approval.
* State governments and insurance companies must appoint representatives, submit reports, and pay claims within a stipulated time.
* If a farmer is missed in a survey, admissible claims are based on loss/claims in adjacent fields.
* If the crop is ineligible for individual assessment, season-end claims are based on yield data from the state government post-harvest.
* **Grievance Redressal Mechanism:**
* Central and State Governments have taken steps to increase awareness about the Stratified Grievance Redressal Mechanism under PMFBY.
* Farmer representation exists in District Level Grievance Redressal Committees (DGRCs) per operational guidelines.
* Many States and UTs have issued notifications on the constitution of Grievance Redressal Committees, clarifying roles, responsibilities, and timelines for grievance disposal.
* Farmer representatives are already included in the DGRCs.
**Impact Analysis**
**Farmers**
* **Impact:** Farmers benefit from timely assessments and claim processing under PMFBY. The grievance redressal mechanism ensures farmers can voice concerns.
* **Action Required:** Farmers should utilize the grievance redressal mechanisms available through DGRCs if they experience issues with claim processing or assessments.
**State Governments**
* **Impact:** State Governments have a responsibility to appoint representatives to the assessment committees and provide yield data for claims processing.
* **Action Required:** State Governments must appoint representatives and submit reports, and adhere to timelines for claim submission, and continue supporting and implementing the grievance redressal mechanisms.
**Insurance Companies**
* **Impact:** Insurance companies are responsible for appointing surveyors/assessors, participating in loss assessment, and processing claims under PMFBY.
* **Action Required:** Insurance companies must appoint representatives, adhere to timelines for assessment and claim payment, and participate in the assessment committees.
Key Entities Referenced
Pradhan Mantri Fasal Bima Yojana (PMFBY): Crop insurance scheme to address crop loss due to untimely rains and localised calamity.
Ministry of Agriculture and Farmers Welfare: The ministry responsible for matters related to agriculture and farmers' welfare.
District Level Grievance Redressal Committees (DGRCs): Committees for grievance redressal related to PMFBY at the district level.
O.I.H.
GOVERNMENT OF INDIA
MINISTRY OF AGRICULTURE AND FARMERS WELFARE
DEPARTMENT OF AGRICULTURE AND FARMERS WELFARE
LOK SABHA
UNSTARRED QUESTION NO. 417
TO BE ANSWERED ON THE 02ND DECEMBER, 2025
ASSESSMENT OF CROP LOSS UNDER PMFBY
417. SHRI AMRA RAM:
Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ िष एवं िकसान क(cid:670)ाण मं(cid:361)ी
be pleased to state:
(a) whether the surveyors of the insurance companies do not reach on time to assess the
crop loss under the Pradhan Mantri Fasal Bima Yojana (PMFBY) even after receiving
applications for individual crop loss due to untimely rains;
(b) if so, the basis on which the compensation to those farmers is likely to be determined;
(c) whether the Government intends to include representatives of farmers' organizations
in the committees formed at the district and State level under the PMFBY and if so, the
time by which it is likely to be done; and
(d) if not, the reasons therefor?
ANSWER
MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE
कृ िष एवं िकसान क(cid:670)ाण रा(cid:475) मं(cid:361)ी (SHRI RAMNATH THAKUR)
(a) & (b) : As per provisions of the Pradhan Mantri Fasal Bima Yojana (PMFBY), losses
due to localized calamity and post harvest losses are assessed and worked out by a
committee of insurance Company concerned and State Government representatives.
Insurance companies appoint their representatives/loss assessor/ surveyors to the
Committee. Based on the recommendation/approval of the Committee final claims are
worked out and paid. State Government and the insurance companies have to appoint
their representatives, submit its report and pay the claims within stipulated time period. If
any eligible farmer is left from the survey due to any reason, his admissible claims are
worked out and paid based on the loss/claims in adjacent farmer’s fields/claims. Further,
If the crop is not eligible for individual farm assessment, season-end claims are worked
out on the basis yield data furnished by the State Government after harvesting.
(c) & (d): Different steps have been taken up by Central & State Governments to increase
the awareness about the Stratified Grievance Redressal Mechanism adopted by PMFBY
amongst the farmers and other stakeholders. Farmers representation is there in the District
Level Grievance Redressal Committees (DGRCs) as per the provisions of the Operational
Guidelines. Accordingly, many States and UTs have issued Notifications on the
constitution of the Grievance Redressal Committees clearly depicting the nature, roles and
responsibilities of the functionaries entrusted in the Grievance Redressal Committees
specifying the timelines for disposal of Grievances. The representatives of the farmers
have already been included in the DGRCs.
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