**Executive Summary**
This document is a response to an unstarred question in the Lok Sabha regarding pending claims under the Pradhan Mantri Fasal Bima Yojana (PMFBY) as of February 3rd, 2026. It provides state-wise and district-wise details of reported, paid, and pending claims from 2020-21 to 2024-25. The document also outlines various measures taken by the government to improve claim settlement and ensure transparency.
**Key Points / Main Content**
* **Claim Status:**
* Annexure-I provides state-wise details of PMFBY claims reported, paid, and pending from 2020-21 to 2024-25.
* Annexure-II provides district-wise details specifically for Karnataka for the same period.
* The majority of admissible claims are settled within the stipulated timelines, according to the scheme's Operational Guidelines.
* **Reasons for Delay:**
* Delays in claim payments are primarily due to:
* Delays in State Governments providing their share of the subsidy.
* Non-payment/delayed payment or underpayment of claims due to incorrect/delayed submission of insurance proposals by banks.
* Discrepancies in yield data and subsequent disputes between State Governments and insurance companies.
* Pending claims due to these issues are settled after resolution as per the scheme's provisions.
* **Government Measures to Improve Implementation:**
* **National Crop Insurance Portal (NCIP):** Developed as a single source of data for subsidy payment, coordination, transparency, information dissemination, and direct online enrollment of farmers.
* **Digiclaim Module:** A dedicated module operationalized for payment of claims from Kharif 2022 onward. It integrates NCIP with Public Finance Management System (PFMS) for timely and transparent processing. The w.e.f. Kharif 2024.
* **Delinking of Central Government Share:** The Central Government share of premium subsidy is now independent of State Government contributions.
* **Technology Integration:** Various steps have been taken, such as capturing yield data through the CCE-Agri App and uploading it to the NCIP and integrating State land records with NCIP.
* **Penalty for Delay:** A 12% penalty is automatically calculated on NCIP for delays in claim payments by insurance companies.
* **ESCROW Account:** Opening an ESCROW Account by State Governments for advance deposit of their premium share is mandatory, effective Kharif 2025.
* **YES-TECH:** Implemented Yield Estimation System Based on Technology, assigning 30% weightage for paddy and wheat crops from Kharif 2023 and adding soybean from Kharif 2024.
* **WINDS:** Setting up a Network of Automatic Weather Stations (AWS) & Automatic Rain-Gauges (ARG) for local weather data collection.
**Impact Analysis**
**Stakeholder: Farmers**
* **Impact:** Farmers are affected by delays in claim settlements under PMFBY, causing hardship due to crop losses. They benefit from government measures aimed at improving transparency and timely claim payments.
* **Action Required:** Farmers should ensure timely and accurate submission of insurance proposals through banks.
**Stakeholder: State Governments**
* **Impact:** State Governments are responsible for contributing their share of the premium subsidy. Disputes in yield data can affect claim settlements.
* **Action Required:** State Governments should ensure timely release of their subsidy share, resolve disputes with insurance companies promptly, and deposit advance premium shares in ESCROW accounts from Kharif 2025.
**Stakeholder: Insurance Companies**
* **Impact:** Insurance companies are responsible for settling claims within stipulated timelines. Delays can result in penalties.
* **Action Required:** Insurance companies need to ensure timely and transparent claim processing, adhering to the scheme's guidelines.
**Stakeholder: Banks**
* **Impact:** Banks are responsible for the accurate and timely submission of insurance proposals.
* **Action Required:** Banks must ensure the correct and timely submission of insurance proposals to facilitate claim settlements.
Key Entities Referenced
Pradhan Mantri Fasal Bima Yojana (PMFBY): A crop insurance scheme by the Indian government, central to the context of pending claim settlements discussed in the document.
Karnataka: A state in India, specifically mentioned for its PMFBY claim details and relevance to the question raised.
Ministry of Agriculture and Farmers Welfare: The central government ministry responsible for the Pradhan Mantri Fasal Bima Yojana (PMFBY), and the source of the information presented.
National Crop Insurance Portal (NCIP): A key digital platform used for crop insurance data management and claim processing under the PMFBY scheme.
Digiclaim Module: Dedicated module 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.
GOVERNMENT OF INDIA
MINISTRY OF AGRICULTURE AND FARMERS WELFARE
DEPARTMENT OF AGRICULTURE AND FARMERS WELFARE
LOK SABHA
UNSTARRED QUESTION NO. 662
TO BE ANSWERED ON THE 03RD FEBRUARY, 2026
PENDING CLAIMS OF PMFBY
662. Shri E Tukaram:
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 is aware that a large number of crop insurance claims under
the Pradhan Mantri Fasal Bima Yojana (PMFBY) remain pending for settlement till date
in several States, including Karnataka, causing serious hardship to farmers;
(b) if so, the details of such pending claims along with the total amount involved, State-
wise and season-wise;
(c) the details of pending PMFBY claims in Karnataka and the specific reasons for the
delay in settlement, district-wise;
(d) whether accountability has been fixed on implementing agencies and empanelled
insurance companies for failure to settle claims on time; and
(e) if not, the reasons therefor and the concrete steps being taken to ensure time-bound
payment of all pending crop insurance claims to farmers?
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) to (e) : State-wise details of claims reported, claims paid and pending during 2020-21
to 2024-25 under Pradhan Mantri Fasal Bima Yojana (PMFBY) are given in Annexure-I.
Similarly district-wise details in respect of Karnataka are given in Annexure-II.
Majority of the admissible claims under Pradhan Mantri Fasal Bima Yojana (PMFBY)
are settled within the stipulated timelines under the Operational Guidelines of the scheme
by the insurance companies. However, during the implementation of the scheme 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.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.
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.
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.
Provision of 12% penalty on delay in payment of claims by insurance company is
auto calculated on National Crop Insurance Portal (NCIP).
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.
Following technologies for Objective Crop Damage & Loss Assessment and
transparency have also been implemented recently 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.Annexure-I
PMFBY & RWBCIS: All India State Wise Claims Report from 2020-21 to 2024-25 as on 31.12.2025
State/UT Name KHARIF RABI
Reported Claims Paid Claims Pending Claims Reported Claims Paid Claims Pending Claims
(Rs. In Crore)
A & N Islands 0.05 0.04 0.00 0.01 0.01 -
Andhra Pradesh 2,797.55 613.52 2,184.03 996.06 138.42 857.63
Assam 231.09 226.47 4.61 408.76 391.36 17.40
Chhattisgarh 2,270.87 2,270.32 0.55 1,443.00 1,442.11 0.89
Goa 0.01 0.01 0.00 0.00 0.00 -
Haryana 4,971.78 4,938.37 33.42 1,043.23 1,028.15 15.08
Himachal Pradesh 59.45 58.23 1.22 326.17 318.56 7.61
Jammu & Kashmir 112.24 110.26 1.98 10.28 10.02 0.26
Jharkhand 20.64 - 20.64 6.64 - 6.64
Karnataka 9,997.03 9,969.29 27.75 1,254.77 1,213.49 41.27
Kerala 301.92 295.35 6.56 285.33 279.19 6.14
Madhya Pradesh 11,127.85 11,094.88 32.96 2,795.88 2,782.95 12.93
Maharashtra 21,831.37 21,595.81 235.57 5,284.59 5,216.97 67.62
Manipur 6.89 6.73 0.16 0.02 0.01 0.00
Meghalaya 24.30 24.08 0.21 - - -
Odisha 2,555.27 2,546.38 8.89 39.06 37.28 1.78
Puducherry 8.27 7.55 0.72 6.54 5.65 0.89
Rajasthan 11,708.25 11,495.68 212.57 7,666.00 7,498.58 167.42
Sikkim 0.01 - 0.01 0.03 0.03 -
Tamil Nadu 264.52 264.27 0.25 5,697.10 5,653.00 44.10
Tripura 7.55 7.49 0.05 2.24 2.18 0.06
Uttar Pradesh 2,448.87 2,428.79 20.08 905.58 886.87 18.71
Uttarakhand 402.48 401.53 0.95 765.78 717.92 47.86
Total 71,148.24 68,355.07 2,793.17 28,937.07 27,622.77 1,314.30Annexure-II
PMFBY & RWBCIS: District wise Claims Report of Karnataka from 2020-21 to 2024-25 as on 31.12.2025
District (Karnataka) Reported Claims Paid Claims Pending Claims
(Rs. In Crore)
Bagalkot 421.45 401.28 20.16
Ballari 46.83 46.64 0.18
Belagavi 451.72 448.80 2.92
Bengaluru Rural 10.96 10.94 0.03
Bengaluru Urban 1.12 1.09 0.03
Bidar 232.61 232.30 0.31
Chamarajnagar 16.00 15.96 0.04
Chikkaballapur 166.32 165.69 0.63
Chikkamagaluru 351.89 349.75 2.14
Chitradurga 560.57 560.31 0.26
Dakshinakannada 1,115.78 1,110.41 5.37
Davangere 376.82 375.77 1.06
Dharwad 582.75 581.55 1.21
Gadag 1,122.48 1,120.66 1.82
Hasan 202.13 201.77 0.36
Haveri 1,272.35 1,270.81 1.55
Kalaburgi 732.07 730.80 1.27
Kodagu 10.03 9.95 0.08
Kolar 48.27 48.18 0.09
Koppal 305.45 305.01 0.44
Mandya 72.43 72.35 0.08
Mysuru 7.11 7.08 0.03
Raichur 187.84 171.16 16.68
Ramanagara 83.60 81.38 2.22
Shivamogga 611.03 607.03 4.00
Tumakuru 269.98 269.51 0.46
Udupi 98.06 97.34 0.72
Uttarkannada 306.07 305.65 0.42
Vijayanagara 227.63 225.54 2.09
Vijayapura 1,328.36 1,326.16 2.20
Yadgiri 32.09 31.91 0.17
Total (Karnataka) 11,251.80 11,182.78 69.02
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