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GOVERNMENT OF INDIA
MINISTRY OF AGRICULTURE AND FARMERS WELFARE
DEPARTMENT OF AGRICULTURE AND FARMERS WELFARE
LOK SABHA
UNSTARRED QUESTION NO. 2588
TO BE ANSWERED ON THE 16TH DECEMBER, 2025
COMPLAINTS FROM FARMERS OF KARNATAKA REGARDING CROP INSURANCE
2588. SHRI GOVIND MAKTHAPPA KARJOL:
Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ(cid:874)ष एवं (cid:873)कसान क(cid:227)याण म(cid:287)ं ी
be pleased to state:
(a) whether the Government has received any complaints from farmers on crop
insurance claims in the year 2024-25 and 2025-26 in the country;
(b) if so, the details thereof and number of such complaints received from Karnataka;
(c) whether the Government has taken strict action on insurance companies and
concern officials in this issue, if so, the details thereof;
(d) the manner in which the Government is undertaking accurate crop damage
assessment;
(e) the details of crop insurance provided to the farmers in Karnataka during the last five
years, district-wise; and
(f) the details of the steps taken by the Government to disburse crop claims timely and
quickly to the farmers?
ANSWER
THE MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE
कृ(cid:874)ष एवं (cid:873)कसान क(cid:227)याण रा(cid:207)य म(cid:287)ं ी (SHRI RAMNATH THAKUR)
(a) to (c): As prescribed in the Operational Guidelines of the Pradhan Mantri Fasal Bima
Yojana (PMFBY), majority of the claims are settled within the stipulated timelines i.e within
21 days of the receipt of requisite yield data from the concerned State Government, by the
insurance companies. However, during the implementation of PMFBY, 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) 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 StateGovernment and insurance companies etc. The pending claims because of these issues
are settled after their resolution as per provisions of the scheme.
To further improve the grievance redressal mechanism, 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 farmers can raise their
grievances/issues. Timelines to resolve these grievances/issues has also been fixed.
(d): The PMFBY 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.
Further, 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.
(e): District-wise details of coverage and claims paid under PMFBY in Karnataka during
last five years i.e. from 2020-21 to 2024-25 are given in Annexure.(f): Government has taken various steps to strengthen implementation of this scheme all
over India 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
period, 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.Annexure
PMFBY & RWBCIS: District Wise details of coverage and claims paid in Karnataka from 2020-21 to 2024-25
(as on 31st October, 2025)
District Application Area Sum Premium Paid Farmers Application
Enrolled Insured Insured Collected Claims Benefitted
from Farmers
(In No.) (In Lakh Ha.) (Rs. In Crore) (In No.)
Bagalkot 2,01,427 2.30 1,382.15 42.54 295.75 97,704
Ballari 75,844 0.72 455.57 11.03 44.67 28,428
Belagavi 3,28,700 2.73 1,716.61 53.55 361.22 1,45,225
Bengaluru Rural 41,526 0.17 96.14 2.81 10.93 16,605
Bengaluru Urban 3,091 0.01 6.78 0.20 1.07 1,287
Bidar 12,94,302 8.38 3,151.56 62.90 232.26 6,08,296
Chamarajnagar 77,990 0.40 155.42 3.34 15.62 27,694
Chikkaballapur 2,10,129 0.98 587.00 15.23 151.21 1,43,757
Chikkamagaluru 2,48,281 1.34 1,220.73 58.99 278.67 1,41,991
Chitradurga 5,81,527 6.94 3,443.35 80.15 559.91 2,48,212
Dakshinakannada 8,57,238 2.22 2,458.46 122.82 880.55 5,17,156
Davangere 2,67,241 2.00 1,414.33 43.70 335.32 1,71,939
Dharwad 8,62,748 9.05 3,990.59 114.10 534.18 4,28,555
Gadag 10,81,988 13.25 5,781.39 144.39 1,119.02 7,25,367
Hasan 5,09,126 2.22 970.31 28.97 186.89 2,55,647
Haveri 14,54,731 11.01 6,186.39 147.99 1,256.37 10,82,578
Kalaburgi 6,76,778 7.95 3,440.31 72.57 730.45 7,99,443
Kodagu 14,545 0.09 55.09 2.57 9.95 7,596
Kolar 93,469 0.45 233.68 8.78 35.66 50,272
Koppal 5,80,117 6.38 2,815.63 61.09 301.81 2,65,259
Mandya 2,95,869 0.82 307.24 5.77 71.53 1,78,456
Mysuru 41,662 0.18 74.67 1.72 7.07 15,356
Raichur 3,36,102 4.00 2,347.83 52.73 153.97 93,764
Ramanagara 60,998 0.31 184.92 7.77 57.90 37,583
Shivamogga 4,37,205 2.24 2,304.14 98.83 496.72 2,99,067
Tumakuru 6,46,346 3.84 2,099.58 63.28 250.80 3,13,788
Udupi 62,774 0.16 181.25 8.86 55.70 33,702
Uttarkannada 7,57,386 2.37 2,006.07 76.08 305.18 4,21,818
Vijayanagara 1,81,837 1.64 909.24 18.77 219.80 1,40,485
Vijayapura 6,54,244 9.37 5,452.65 162.54 1,015.20 3,60,493
Yadgiri 59,865 0.73 403.58 10.15 30.79 29,406
Total 1,29,95,086 104.24 55,832.68 1,584.22 10,006.16 76,86,929
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