**Executive Summary**
This document presents the Government of India's response regarding funds sanctioned and disbursed under the Pradhan Mantri Fasal Bima Yojana (PMFBY) in Tamil Nadu. It details claim settlement procedures, the use of technology to improve implementation and transparency, and provides data on claims paid. The information addresses concerns about effective implementation and timely compensation under the PMFBY scheme as of December 9th, 2025.
**Key Points / Main Content**
* **PMFBY Implementation:**
* The PMFBY is mainly implemented on an "Area Approach" basis.
* Area-based/season-end admissible claims are paid directly to farmers by insurance companies through the DigiClaim module on NCIP.
* Farmers need not intimate crop loss for area-based claims.
* Losses due to localized risks (hailstorm, landslide, etc.) are calculated individually.
* **Claim Intimation and Assessment:**
* For localized risks, farmers must notify the State Government, insurance company, or financial institution within 72 hours of the loss.
* Loss and claims are assessed by a joint committee.
* **Claims Data:**
* District-wise claims paid in Tamil Nadu during 2024-25 are detailed in Annexure-I.
* State-wise and year-wise details of claims paid from 2016-17 to 2024-25 are given in Annexure-II.
* **Government Measures for Effective Implementation:**
* Development of National Crop Insurance Portal (NCIP) as a single data source.
* Operationalization of 'Digiclaim Module' for faster claim payments from Kharif 2022.
* Delinking Central Government's share of premium subsidy for faster farmer payments.
* Penalty of 12% on Insurance Companies for delayed payments from Kharif 2024.
* Penalty of 12% on State Governments for delayed premium subsidies.
* Initiation of tranche-based claims settlement from 2025-26.
* Capturing of yield data/Crop Cutting Experiments (CCEs) data through CCE-Agri App.
* Mandatory opening of Escrow accounts to ensure timely subsidy release.
* **Technology Implementation for Crop Damage Assessment (From 2023-24):**
* YES-TECH (Yield Estimation System Based on Technology) for remote-sensing-based yield estimation.
* WINDS (Weather Information Network and Data System) for hyper-local weather data collection.
* **Grievance Redressal:**
* Krishi Rakshak Portal and Helpline (KRPH) with toll-free number 14447 for farmer grievances.
* **Monitoring:**
* Regular monitoring of insurance companies through video conferences and National Review Conferences.
**Impact Analysis**
**Farmers in Tamil Nadu**
* **Impact**: Affected by the efficiency of claim settlement under PMFBY. Timely compensation is crucial for mitigating losses due to crop damage.
* **Action Required**: Need to intimate localized losses within 72 hours and utilize the Krishi Rakshak Portal and Helpline for grievance redressal.
**State Government of Tamil Nadu**
* **Impact**: Responsible for furnishing yield data, sharing premium subsidy, and participating in joint committees for loss assessment.
* **Action Required**: Must ensure timely premium subsidy payments and cooperate in the implementation of new technologies like YES-TECH and WINDS.
**Insurance Companies**
* **Impact**: Responsible for processing and disbursing claims to farmers, subject to penalties for delays.
* **Action Required**: Must integrate with NCIP and PFMS for timely and transparent claim processing.
**Central Government (Ministry of Agriculture and Farmers Welfare)**
* **Impact**: Responsible for overseeing the implementation of PMFBY, ensuring effective grievance redressal, and promoting transparency.
* **Action Required**: Continue to monitor the functioning of insurance companies and address any issues through regular conferences.
Key Entities Referenced
Pradhan Mantri Fasal Bima Yojana (PMFBY): A crop insurance scheme aimed at providing financial support to farmers suffering crop loss/damage arising out of unforeseen events.
National Crop Insurance Portal (NCIP): A centralized platform for implementing and monitoring crop insurance schemes, including PMFBY, facilitating data management, subsidy payment, and claim disbursal.
Tamil Nadu: The state in India where PMFBY is being implemented and about which the unstarred question has been raised.
Ministry of Agriculture and Farmers Welfare: The central government ministry responsible for overseeing and implementing agricultural policies and programs, including PMFBY.
Operational Guidelines of the scheme: A document containing the guidelines for the functioning and implementation of the Pradhan Mantri Fasal Bima Yojana (PMFBY)
GOVERNMENT OF INDIA
MINISTRY OF AGRICULTURE AND FARMERS WELFARE
DEPARTMENT OF AGRICULTURE AND FARMERS WELFARE
LOK SABHA
UNSTARRED QUESTION NO. 1609
TO BE ANSWERED ON THE 9th DECEMBER, 2025
FUNDS SANCTIONED AND DISBURSED UNDER PMFBY IN TAMIL NADU
1609. DR. RANI SRIKUMAR :
Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ िष एवं िकसान क(cid:670)ाण मं(cid:361)ी
be pleased to state:
(a) the total extent of crop damage reported by farmers across various districts of Tamil
Nadu due to unseasonal rains during the current year and the amount proposed to be
disbursed under the Pradhan Mantri Fasal Bima (PMFBY) for such losses;
(b) the total funds sanctioned and disbursed to farmers under PMFBY in Tamil Nadu and
other States/Union Territories since the inception of the scheme, year and State-wise; and
(c) the specific measures adopted by the Government to ensure effective implementation
and timely compensation under PMFBY in Tamil Nadu, along with the progress made so
far?
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): The Pradhan Mantri Fasal Bima Yojana (PMFBY) is mainly implemented on ‘Area
Approach’ basis. Area based/season end admissible claims 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 upon receipt of
Centre and State Government’s requisite share in premium subsidy. Farmers need not
intimate crop loss in respect of these claims.
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. Intimation by farmer to State
Government, insurance company, financial institution, on NCIP Portal, PMFBY APP etc.
within 72 hours of the loss in this case is required to be made. Extent of loss and claims
in this case are assessed by a joint committee comprising representatives of State
Government and concerned insurance company.
District-wise details of claims paid in Tamil Nadu during 2024-25 are given in
Annexure-I. State Wise and year-wise details of Claims Paid from 2016-17 to 2024-25
under the scheme are given in Annexure-II.
(c ) : Government has taken various steps to strengthen implementation of this scheme all
over India including Tamil Nadu to ensure effective implementation, timely compensation
and 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 settlement 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.
Opening of Escrow account has been made mandatory under PMFBY for ensuring
timely release of state share of subsidy for implementing season, thereby
controlling delayed claim settlement to eligible farmers. This enable States to
ensure that the premium subsidies payments are not delayed beyond the
prescribed timelines as per provisions of Operational Guidelines.
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.
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.
Department is regularly monitoring the functioning of insurance companies, including
timely settlement of claims through weekly video conferences of all stakeholders, one to one
meeting as well as National Review Conferences.Annexure-I
PMFBY & RWBCIS: District Wise details of Claims Paid in Tamil Nadu in 2024-25 (as on 31st October,
2025)
District Paid Claims (Rs. In Crore)
Ariyalur 21.48
Chengalpattu 0.20
Coimbatore 0.31
Cuddalore 81.33
Dharmapuri 2.07
Dindigul 4.90
Erode 2.73
Kallakurichi 1.49
Kanchipuram 0.84
Kanniyakumari 0.24
Karur 3.40
Krishnagiri 1.40
Madurai 13.40
Mayiladuthurai 70.80
Nagapattinam 21.68
Namakkal 10.40
Perambalur 34.65
Pudukkottai I 4.00
Pudukkottai II 1.63
Ramanathapuram I 49.09
Ramanathapuram II 4.12
Ranipet 1.97
Salem 0.75
Sivaganga 8.36
Tenkasi 17.26
Thanjavur I 44.61
Thanjavur II 48.35
The Nilgiris 0.30
Theni 0.09
Thiruvallur 15.50
Thiruvarur I 51.49
Thiruvarur II 18.08
Tiruchirappalli 15.22
Tirunelveli 16.59
Tirupathur 3.22
Tiruppur 3.86
Tiruvannamalai 2.41
Tuticorin 8.48
Vellore 0.33
Villupuram 70.96
Virudhunagar 22.07
Total (Tami Nadu) 680.11ANNEXURE-II
PMFBY & RWBCIS: State Wise and year-wise details of Claims Paid from 2016-17 to 2024-25 (as on 31st October, 2025)
State/UT Name 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 2022-23 2023-24 2024-25 Total
(Rs. In Crore)
A & N Islands 0.15 - 0.09 - - - - 0.02 - 0.25
Andhra Pradesh 944.38 740.05 1,892.43 1,251.70 - - 609.37 119.05 18.65 5,575.64
Assam 5.37 1.22 2.79 109.41 188.04 256.41 20.03 62.60 78.65 724.54
Bihar 409.54 401.52 - - - - - - - 811.06
Chhattisgarh 159.97 1,391.38 1,087.06 1,304.30 887.73 1,432.01 534.24 588.36 266.87 7,651.92
Goa 0.03 0.01 0.10 0.01 - - 0.00 0.00 0.01 0.15
Gujarat 1,267.22 1,075.83 2,778.02 616.17 - - - - - 5,737.24
Haryana 298.23 898.93 947.66 903.77 1,165.62 1,650.00 2,526.00 283.69 332.45 9,006.35
Himachal Pradesh 45.50 64.71 54.70 67.71 84.86 77.77 68.03 138.56 5.72 607.57
Jammu & Kashmir - 9.82 27.15 - - 52.72 6.34 34.78 26.08 156.88
Jharkhand 31.09 47.18 751.15 27.87 - - - - - 857.29
Karnataka 2,093.84 856.79 2,987.75 1,531.00 1,071.12 1,545.56 2,386.90 3,360.10 1,642.49 17,475.54
Kerala 43.73 10.99 26.74 87.47 125.64 102.21 180.33 164.81 - 741.92
Madhya Pradesh 2,043.85 5,881.35 3,781.16 6,152.89 7,752.70 2,809.62 1,049.97 961.89 1,289.19 31,722.62
Maharashtra 2,317.85 3,315.69 6,124.82 6,878.01 1,260.71 4,708.22 5,395.55 9,569.81 5,407.71 44,978.38
Manipur 1.96 0.67 0.00 1.14 - 1.45 1.62 2.00 1.65 10.50
Meghalaya 0.03 0.02 0.22 0.18 0.07 - 0.01 14.47 9.50 24.49
Odisha 432.71 1,820.12 1,160.37 1,187.02 572.19 1,043.55 581.61 232.62 149.57 7,179.76
Puducherry 7.55 - 0.45 - 0.54 2.95 3.55 1.87 1.87 18.79
Rajasthan 1,917.40 2,242.59 3,444.19 4,955.92 4,055.12 5,008.35 4,364.77 3,660.16 1,762.77 31,411.26
Sikkim 0.11 0.04 0.00 - 0.02 - - - 0.01 0.18
Tamil Nadu 3,646.22 2,097.29 2,653.53 1,261.17 2,653.45 817.13 917.61 761.57 680.11 15,488.07
Telangana 179.60 648.43 564.99 513.36 - - - - - 1,906.38
State/UT Name 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 2022-23 2023-24 2024-25 Total
(Rs. In Crore)
Tripura 0.71 1.00 0.02 0.90 2.57 2.64 2.03 1.92 0.51 12.29
Uttar Pradesh 574.57 380.88 468.54 1,065.53 502.57 930.76 985.17 469.24 423.94 5,801.19
Uttarakhand 27.47 39.45 72.37 103.22 134.82 122.30 207.64 345.82 157.91 1,211.02
West Bengal 421.69 305.37 535.73 - - - - - - 1,262.78
Total 16,870.75 22,231.34 29,362.02 28,018.74 20,457.76 20,563.65 19,840.78 20,773.33 12,255.67 1,90,374.05
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