Parliament Question: Flexibility to State under PMFBY

O.I.H GOVERNMENT OF INDIA MINISTRY OF AGRICULTURE AND FARMERS WELFARE DEPARTMENT OF AGRICULTURE AND FARMERS WELFARE LOK SABHA UNSTARRED QUESTION NO. 4131 TO BE ANSWERED ON THE 17TH MARCH, 2026 FLEXIBILITY TO STATE UNDER PMFBY 4131. Shri Nilesh Dnyandev Lanke: Dr. Shivaji Bandappa Kalge: 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 Government has provided any flexibility to State Governments under the Pradhan Mantri Fasal Bima Yojana (PMFBY) and if so, the nature of such flexibility; (b) whether these measures have resulted in improved participation of farmers under the Scheme; (c) whether the insurance companies pay claim amounts exceeding the total premium collected under the scheme and if so, the details thereof; (d) whether the Government has received complaints from farmers in Maharashtra regarding delayed payment grievances or non receipt of claim amounts and if so, the steps taken for redressal; and (e) whether any special measures are taken by the Government in cases where insurance companies fail to settle claims within the prescribed time-limit and if so, the details thereof? ANSWER MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE कृ िष एवं िकसान क(cid:670)ाण रा(cid:475) मं(cid:361)ी (SHRI BHAGIRATH CHAUDHARY) (a) & (b): The Pradhan Mantri Fasal Bima Yojna (PMFBY) was introduced in the country from Kharif 2016 season. The scheme is voluntary for the States and farmers. States are provided flexibility in major works like selection of Insurance Companies through transparent bidding process, enrollment of farmers and assessment of crop yield/crop loss for calculation of admissible claims. Further, in order to provide more freedom to the States to decide about the implementation of Crop Insurance, keeping in view the financial as well as risk appetite in the State, 3 Alternate Risk Transfer models other than standard PMFBY, namely Cup and Cap Model (80:110), Cup and Cap Model (60:130) and Profit and Loss sharing model have been allowed w.e.f. Kharif 2023. Under these models, in case claims fall below certain threshold, portion of the premium paid by the Government as subsidy goes back to the State treasury. Thus, States have been given the flexibility to choose from any one of these models.As a result of the above measures, there has been a substantial increase in the coverage under PMFBY wherein 1510 lakh Farmer Applications were enrolled in the year 2024-25 compared to 586 lakh Farmer Applications enrolled in 2016-17. (c): Crop insurance is a major risk mitigation tool for the benefit of farmers in the event of non-preventable natural calamities. Claims in excess of 100% of premium received has been paid by insurance companies in case of natural calamities during different seasons. Year-wise, season- wise details of such States/UTs where insurance companies paid claims in excess of the total premium collected is given at Annexure. (d): Since the scheme is implemented by the State Government, therefore, in order to resolve the grievances/complaints including those related to claims of insured farmers, provision of Stratified Grievance Redressal Mechanism viz. District Level Grievance Redressal Committee (DGRC), State Level Grievance Redressal Committee (SGRC) has been made in the Revised Operational Guidelines of the Scheme. These committees have been given the detailed mandate as outlined in the Operational Guidelines for hearing the complaints/ grievances and to dispose them as per the stipulated procedure. 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. Since 2024, 14,81,331 claim related complaints have been registered on KRPH in Maharashtra, out of which, 14,81,141 complaints (99.99%) have been resolved, as on 28.02.2026. (e): As per the Operational Guidelines of PMFBY, in case payment is not made timely by Insurance Company, penalty of 12% is auto-calculated and levied through National Crop Insurance Portal (NCIP) w.e.f. Kharif 2024.ANNEXURE High Claim Ratio States under PMFBY (as on 31.12.2025) Gross Reported Paid Claim Year/Seas State/UT Premium Claims Claims Ratio on Name (Rs. In Crore) (In %) Karnataka 837.89 1,227.72 1,227.72 146.53% Kharif 2016 Kerala 8.57 17.92 17.92 209.22% Tamil Nadu 9.98 10.60 10.60 106.21% Chhattisgarh 289.49 1,312.19 1,312.19 453.28% Haryana 298.62 808.35 808.35 270.69% Madhya Kharif 2017 Pradesh 3,269.72 5,561.15 5,561.15 170.08% Odisha 800.50 1,777.80 1,777.28 222.09% Tamil Nadu 50.29 90.51 90.51 179.98% Telangana 611.45 621.94 621.94 101.71% Andhra Pradesh 1,124.08 1,277.73 1,277.73 113.67% Chhattisgarh 810.94 1,024.51 1,024.51 126.34% Haryana 568.92 807.53 806.32 141.94% Jharkhand 386.13 738.15 738.15 191.17% Kharif 2018 Karnataka 1,380.60 1,934.98 1,934.66 140.15% Kerala 12.81 15.36 15.36 119.86% Odisha 1,114.83 1,129.89 1,129.89 101.35% Rajasthan 2,417.83 2,681.36 2,680.79 110.90% Tamil Nadu 67.31 112.16 112.16 166.63% Uttarakhand 41.49 47.67 47.67 114.89% Himachal Pradesh 7.12 8.63 8.63 121.10% Kerala 39.08 54.04 54.04 138.30% Madhya Kharif 2019 Pradesh 2,787.67 5,972.70 5,972.23 214.25% Maharashtra 4,789.69 5,954.96 5,954.96 124.33% Tamil Nadu 123.24 167.38 167.28 135.81% Uttar Pradesh 721.97 786.55 786.55 108.94% Haryana 963.51 1,014.10 1,010.56 105.25% Kerala 45.01 81.50 80.73 181.06% Kharif 2020 Madhya Pradesh 4,696.43 7,084.43 7,078.55 150.85% Tamil Nadu 151.56 166.66 166.66 109.96% Assam 71.50 88.25 85.63 123.42% Haryana 870.01 1,385.86 1,383.35 159.29% Kharif 2021 Jammu & Kashmir 23.73 50.75 50.73 213.82% Rajasthan 3,564.19 3,901.43 3,889.89 109.46% Haryana 956.98 2,024.79 2,011.62 211.58% Kharif 2022 Kerala 64.59 99.98 99.79 154.79% Andhra Pradesh 1,267.34 1,345.77 24.81 106.19% Kharif 2023 147.26% Himachal Pradesh 18.98 27.94 27.62Karnataka 2,560.98 3,114.66 3,110.72 121.62% Kerala 53.97 82.38 76.82 152.64% Maharashtra 7,815.51 7,981.99 7,952.45 102.13% Meghalaya 10.59 14.65 14.49 138.27% Karnataka 1,937.80 2,342.76 2,324.03 120.90% Kharif 2024 Tamil Nadu 25.77 73.72 73.48 286.07% Uttarakhand 82.45 154.75 154.39 187.69% Andhra Pradesh 133.03 296.17 296.17 222.63% Rabi 2016- Karnataka 482.98 866.12 866.12 179.33% 17 Kerala 24.58 25.81 25.81 105.00% Tamil Nadu 1,161.25 3,635.62 3,635.62 313.08% Andhra Pradesh 146.60 215.38 211.71 146.92% Rabi 2017- Chhattisgarh 72.39 79.19 79.19 109.40% 18 Odisha 19.01 42.84 42.84 225.33% Tamil Nadu 1,222.98 2,012.21 2,006.78 164.53% Andhra Pradesh 296.66 614.70 614.69 207.21% Jharkhand 11.30 13.00 13.00 115.08% Rabi 2018- Karnataka 416.15 1,053.18 1,053.10 253.08% 19 Maharashtra 1,463.60 1,992.74 1,992.74 136.15% Odisha 8.45 30.48 30.48 360.51% Tamil Nadu 1,581.38 2,541.37 2,541.37 160.71% Telangana 51.80 81.22 81.22 156.80% Chhattisgarh 77.26 638.30 638.13 826.12% Rabi 2019- Kerala 33.42 33.82 33.43 101.18% 20 Odisha 10.85 99.26 99.26 914.79% Rabi 2020- Chhattisgarh 190.56 248.54 248.52 130.42% 21 Kerala 38.21 45.82 44.93 119.92% Assam 74.14 187.27 170.79 252.58% Rabi 2021- Chhattisgarh 203.67 402.14 402.13 197.45% 22 Kerala 58.12 64.48 64.19 110.93% Haryana 350.37 518.86 515.10 148.09% Kerala 73.36 82.99 80.73 113.13% Rabi 2022- Maharashtra 1,098.18 1,352.30 1,349.73 123.14% 23 Odisha 9.97 11.77 11.66 118.08% Rajasthan 2,607.05 2,687.02 2,673.06 103.07% Andhra Pradesh 584.63 890.21 95.48 152.27% Rabi 2023- Chhattisgarh 279.85 390.66 390.56 139.60% 24 Kerala 52.42 92.03 89.34 175.55% Uttarakhand 181.51 266.47 266.34 146.81% Rabi 2024- Karnataka 139.77 525.42 485.09 375.92% 25 Tamil Nadu 724.62 732.61 691.84 101.10% *****