**Executive Summary**
This document addresses a starred question in the Lok Sabha regarding crop losses due to floods in the Hisar Parliamentary Constituency, to be answered on February 10th, 2026. It pertains to the Pradhan Mantri Fasal Bima Yojana (PMFBY) and assesses the impact of floods on Kharif and Rabi crops, insurance settlements, and relief measures for farmers. The Minister of Agriculture and Farmers Welfare lays a statement on the Table of the House.
**Key Points / Main Content**
* **Pradhan Mantri Fasal Bima Yojana (PMFBY)**
* Introduced in Kharif 2016, PMFBY provides risk insurance for crop damage from pre-sowing to post-harvest.
* The scheme covers widespread yield loss from natural risks/calamities and localized risks.
* Participation is voluntary for both States and farmers.
* **Haryana's Implementation of PMFBY**
* Haryana has implemented PMFBY since 2016.
* Floods caused damage to Kharif 2025 crops in Hisar; no major damage reported during Rabi 2025-26.
* **Assessment and Relief Measures**
* Losses to farmers were assessed in a timely manner, with ₹41.09 Crore already released to affected farmers in Hisar for Kharif 2025.
* Haryana was allocated ₹636.80 Crore in SDRF for FY 2025-26, with the central share of ₹477.6 Crore released.
* **Claim Settlement Under PMFBY**
* Claims are settled within 21 days of receiving yield data from the State Government.
* Complaints about claim payments are related to delays in state subsidies, bank errors, or data discrepancies.
* **State Government's Role**
* The State Government notifies districts for PMFBY implementation.
* PMFBY was not implemented by Haryana in Hisar during Kharif 2023 and Rabi 2023-24.
* **Government Initiatives for Improved Implementation**
* Developed the National Crop Insurance Portal (NCIP) for data management and transparent service delivery.
* Operationalized the 'Digiclaim Module' for streamlined claim processing from Kharif 2022.
* Delinked Central Government share of premium subsidy for proportionate claims.
* Mandated ESCROW accounts for advance deposit of state premium share from Kharif 2025.
* Leveraging technology such as CCE-Agri App for data capture and integration.
* Initiated tranche-based claim settlement from Rabi 2024-25.
**Impact Analysis**
**Stakeholder: Farmers in Hisar Parliamentary Constituency**
**Impact:** Affected by crop losses due to floods in Kharif 2025.
**Action Required:** Those affected by localized calamities due to inundation and water logging in the Parliamentary Constituency of Hisar for Kharif 2025 have already had an amount of Rs. 41.09 Crore released to them, so they do not have any current actions required of them.
**Stakeholder: State Government of Haryana**
**Impact:** Responsible for implementing PMFBY, assessing crop losses, disbursing relief, and resolving claim-related issues.
**Action Required:** Ensure timely submission of yield data, provide the state share of subsidies, and resolve any discrepancies between State Government and insurance companies.
**Stakeholder: Central Government**
**Impact:** Provides financial assistance and policy guidance for PMFBY implementation and disaster relief.
**Action Required:** Continue to provide policy support, timely release of funds, and monitor the implementation of PMFBY.
**Stakeholder: Insurance Companies**
**Impact:** Responsible for settling claims within stipulated timelines as per PMFBY guidelines.
**Action Required:** Ensure timely and transparent processing of claims and resolve discrepancies with the State Government.
**Stakeholder: Banks**
**Impact:** Involved in the submission of insurance proposals.
**Action Required:** Ensure accurate and timely submission of insurance proposals.
Key Entities Referenced
Pradhan Mantri Fasal Bima Yojana (PMFBY): A comprehensive risk insurance scheme against crop damage from pre-sowing to post-harvest, referenced in the context of claim settlement delays and assessment of crop loss due to floods.
Ministry of Agriculture and Farmers Welfare: The primary ministry responsible for answering the question related to crop loss due to floods and the implementation of agricultural schemes.
Haryana: The state where the crop damage due to floods occurred in the Hisar Parliamentary Constituency, impacting the implementation of PMFBY and disbursement of funds.
National Crop Insurance Portal (NCIP): A central data source and platform for subsidy payment, coordination, and transparency in crop insurance, used for implementing PMFBY.
State Disaster Response Fund (SDRF): A fund utilized by state governments to undertake relief measures for notified calamities like floods, as per the National Policy on Disaster Management.
O.I.H.
GOVERNMENT OF INDIA
MINISTRY OF AGRICULTURE AND FARMERS WELFARE
DEPARTMENT OF AGRICULTURE AND FARMERS WELFARE
LOK SABHA
STARRED QUESTION NO. 151
TO BE ANSWERED ON THE 10TH FEBRUARY, 2026
CROP LOSS DUE TO FLOODS
*151. SHRI JAI PARKASH:
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 recent floods have damaged Kharif and Rabi crops extensively in the
Parliamentary Constituency of Hisar;
(b) whether the said loss suffered by the affected farmers have not been assessed on
time leading to unnecessary delays in settlement of insurance payouts under the
Pradhan Mantri Fasal Bima Yojana (PMFBY);
(c) the total area in hectares of the said Parliamentary Constituency where yield loss
due to flood was recorded during the year 2023-24;
(d) the total number of farmers whose crop insurance claims were approved during the
said period along with the total number of such claims still pending and the major
reasons for such pendency; and
(e) whether any special instructions have been issued or action plans have been
implemented by the Government to ensure timely surveys' time-bound insurance
settlements and immediate relief to the farmers?
ANSWER
MINISTER OF AGRICULTURE AND FARMERS WELFARE
कृ िष एवं िकसान क(cid:670)ाण मं(cid:361)ी (SHRI SHIVRAJ SINGH CHAUHAN)
(a) to ( e) : A statement is laid on the Table of the House.STATEMENT REFERRED TO PART (a) TO (e) OF LOK SABHA STARRED QUESTION
NO. 151 FOR 10TH FEBRUARY, 2026 REGARDING CROP LOSS DUE TO FLOODS
(a): Pradhan Mantri Fasal Bima Yojna (PMFBY) was introduced in the country from
Kharif 2016 season. PMFBY provides for comprehensive risk insurance against crop
damage from pre-sowing to post-harvest for crops and area notified by the concerned
State Government. The scheme not only safeguards against wide spread yield loss due
to non-preventable natural risks/ & extreme climate calamities such as flood, inundation,
etc. but also against farm level yield loss due to localized risks (including inundation, cloud
burst etc) and post harvest losses due to cyclone, cyclonic/unseasonal rain and hailstorm
and prevented sowing. This scheme is voluntary for States as well as farmers. All willing
farmers are eligible to enroll under the scheme.
The State of Haryana has been implementing the scheme since its inception in
2016. As per information provided by State Government, floods during the Kharif 2025
season caused damage in the Hisar Parliamentary Constituency. However, no major crop
damage was reported during the Rabi 2025-26 season.
(b): State Government has informed that the losses suffered by the affected farmers
were assessed in a timely manner under Pradhan Mantri Fasal Bima Yojana and amount
of Rs. 41.09 Crore has already been released to affected farmers for localized calamities
due to inundation and water logging in the Parliamentary Constituency of Hisar for Kharif
2025.
Further, as per National Policy on Disaster Management (NPDM), State
Governments undertake relief measures on ground level in wake of notified calamities
from funds available in the form of State Disaster Response Fund (SDRF) in accordance
with Government of India approved items & norms. An amount of Rs.636.80 Crore
(Rs.477.6 Crore Central Share + Rs.159.2 Crore State Share) was allocated to State
Government of Haryana for FY 2025-26 in SDRF, of which Central Government released
its entire share of Rs.477.6 Crore during the year to the State Government.
It may be noted that majority of the claims under PMFBY are settled within the
stipulated timelines under the Operational Guidelines of the scheme i.e within 21 days of
the receipt 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 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): Under PMFBY, it is the State Government’s prerogative to notify districts for
implementation. The PMFBY was not implemented by the Haryana State during Kharif
2023 and Rabi 2023-24 in Hisar district.
(d): Does not arise.(e): 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, 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 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 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 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.
Tranche based claim settlement has been initiated w.e.f. Rabi 2024-25.
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