Executive Summary:
This document presents the status of claims under the Pradhan Mantri Fasal Bima Yojana (PMFBY) as of June 30, 2025. It addresses pending applications, unsettled claims, and delays in settlement, including state-wise and district-wise data for Andhra Pradesh. It also outlines steps taken to improve efficiency, transparency, and grievance redressal in PMFBY.
Key Points / Main Content:
Claim Settlement Process:
* For area approach-based widespread calamity claims, State Governments must upload actual and threshold yield data within one month of final harvest on the National Crop Insurance Portal (NCIP).
* Final claims are worked out on NCIP and paid within 21 days of calculation. Farmers do not need to intimate claims in this case.
* For localized calamities and post-harvest losses, farmers must intimate the loss to the State Government, insurance company, or online via NCIP.
* Claims for localized calamities are disbursed within 30 days of the State's order/notification invoking the event.
Reasons for Pendency:
* Delays in providing the State Government's share of subsidy.
* Non-payment, delayed payment, or underpayment due to incorrect/delayed submission of insurance proposals by banks.
* Discrepancies in yield data leading to disputes between State Governments and insurance companies.
Government Steps for Improvement:
* Development of the National Crop Insurance Portal (NCIP) for data management, subsidy payment, coordination, and service delivery, including direct online enrollment and electronic claim transfers.
* Operationalization of the Digiclaim Module for transparent claim processing, integrating NCIP with the Public Finance Management System (PFMS) and insurance companies' accounting systems.
* From Kharif 2024, a 12% penalty will be auto-calculated and levied through NCIP if payment is not made timely by the Insurance Company
* Delinking of the Central Government's share of premium subsidy from State Governments' shares.
* Use of CCEAgri App for capturing yield data/Crop Cutting Experiments (CCEs) and uploading it on NCIP.
* Implementation of YESTECH (Yield Estimation System Based on Technology) for remote-sensing-based yield estimation.
* Implementation of WINDS (Weather Information Network and Data System) for hyperlocal weather data collection.
Grievance Redressal Mechanism:
* Establishment of District Level Grievance Redressal Committees (DGRC) and State Level Grievance Redressal Committees (SGRC).
* Development of Krishi Rakshak Portal and Helpline (KRPH) with a toll-free number (14447).
Monitoring and Review:
* Regular monitoring of insurance companies' functioning, including claim settlement, through weekly video conferences, one-to-one meetings, and National Review Conferences.
* Continuous review, revision, and rationalization of crop insurance schemes based on stakeholder feedback and studies.
Annexure Information:
* Annexure I provides state-wise details of pending claims as of June 30, 2025, totaling ₹6,604 Crore.
* Annexure II details district and season-wise provisional claims pending in Andhra Pradesh as of June 30, 2025, totaling ₹2,565.84 Crore.
Impact Analysis:
State Governments:
* Impact: Responsible for uploading yield data, selecting insurance models and companies, enrolling farmers, and assessing crop loss. Delays in subsidy share affect claim settlement.
* Action Required: Ensure timely and accurate data submission on NCIP, resolve disputes with insurance companies promptly, and provide their share of subsidy in a timely manner.
Insurance Companies:
* Impact: Responsible for claim disbursement within stipulated timelines. Subject to monitoring and potential penalties for delays.
* Action Required: Expedite claim processing and disbursement, integrate with NCIP and PFMS, and address farmer grievances promptly.
Farmers:
* Impact: Benefit from timely claim settlement and improved transparency. Can lodge grievances through the Krishi Rakshak Portal and Helpline.
* Action Required: Intimate localized losses promptly, enroll via NCIP, and utilize the grievance redressal mechanisms for any issues.
Banks:
* Impact: Involved in submitting insurance proposals. Delays or inaccuracies can affect claim payments.
* Action Required: Ensure accurate and timely submission of insurance proposals.
Central Government:
* Impact: Oversees the implementation of PMFBY, monitors claim disbursal, and provides financial support.
* Action Required: Continue to monitor the scheme's implementation, address stakeholder concerns, and refine the operational guidelines as needed.
Key Entities Referenced
Pradhan Mantri Fasal Bima Yojana (PMFBY): A Government of India crop insurance scheme to provide financial support to farmers suffering crop loss/damage arising out of unforeseen events.
Andhra Pradesh: A state in India, specifically mentioned for Statewise and districtwise data related to PMFBY claims.
National Crop Insurance Portal (NCIP): A single source of data ensuring subsidy payment, coordination, transparency, dissemination of information and delivery of services
Digiclaim Module: A dedicated module operationalized for payment of claims from Kharif 2022 onwards.
Public Finance Management System (PFMS): Integrated with National Crop Insurance Portal (NCIP) for timely transparent processing of all claims.
YESTECH Yield Estimation System Based on Technology: A technology used for gradual migration to RemoteSensing based yield estimation to help assess yields as well as fair and accurate Crop Yield Estimation
Weather Information Network and Data System (WINDS): System for setting up of Network of Automatic Weather Stations AWS Automatic RainGauges ARG for collecting hyperlocal weather data.
Krishi Rakshak Portal and Helpline (KRPH): Portal and Helpline developed to improve the grievance redressal mechanism
GOVERNMENT OF INDIA
MINISTRY OF AGRICULTURE AND FARMERS WELFARE
DEPARTMENT OF AGRICULTURE AND FARMERS WELFARE
LOK SABHA
STARRED QUESTION NO. 29
TO BE ANSWERED ON THE 22ND JULY, 2025
STATUS OF CLAIMS UNDER PMFBY
*29 DR. BYREDDY SHABARI
SHRI APPALANAIDU KALISETTI
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 number of pending applications and unsettled claims as on date under
Pradhan Mantri Fasal Bima Yojana (PMFBY), State-wise and district-wise for Andhra
Pradesh;
(b) the average amount of pending claims, along with the total financial liability, State-wise
including district-wise data for Andhra Pradesh;
(c) the number of applications pending for more than three months, six months, and over
one year, State-wise and district-wise for Andhra Pradesh and the time by which all
pending applications and claims are likely to be settled;
(d) the reasons for delays in claim settlement and steps taken to expedite the process;
(e) whether any complaints have been received from farmers regarding non-payment,
partial payment, or delays and if so, the details thereof, State-wise and district-wise for
Andhra Pradesh; and
(f) whether the Government is considering any reforms to improve efficiency, transparency,
and grievance redressal in PMFBY, if so, the details thereof?
ANSWER
MINISTER FOR AGRICULTURE AND FARMERS WELFARE
कृ िष एवं िकसान क(cid:670)ाण मं(cid:361)ी (SHRI SHIVRAJ SINGH CHAUHAN)
(a) to ( f) : A statement is laid on the Table of the House.STATEMENT REFERRED TO PART (a) TO (f) OF LOK SABHA STARRED QUESTION
NO. 29 FOR 22ND JULY, 2025 REGARDING STATUS OF CLAIMS UNDER PMFBY.
(a) to (f) : As per provisions of the Pradhan Mantri Fasal Bima Yojana (PMFBY), in case
of area approach based/widespread calamity/season end claims, State Government has
to furnish/upload the actual and threshold yield data within one month of the final harvest
on National Crop Insurance Portal (NCIP). Final Claims are to be worked out on NCIP
and paid within 21 days from calculation of claims on NCIP. Farmers need not to intimate
the claims in this case.
Further, in case of localized calamities and post harvest losses where claims are
worked out and paid on individual farm level, farmers have to intimate the loss to the State
Government, insurance company, online on National Crop Insurance portal etc. and
claims are to be disbursed within thirty days of the State’s order / notification invoking the
event.
State-wise details of number of claims pending is given in Annexure-I. Reasons for
their pendency are given below. District-wise details of pending claims in Andhra Pradesh
are given in Annexure-II.
All the major work like selection of insurance model, selection of Insurance
Companies through transparent bidding process, enrollment of farmers, assessment of
crop yield/crop loss for calculation of admissible claims are being performed by the
concerned State Government or Joint Committee of State Government officials and
concerned insurance company. The roles and responsibilities of each stakeholder are
defined in the Operational Guidelines of the scheme for the proper execution of the
scheme.
Majority of the claims are settled within the stipulated timelines under the
Operational Guidelines of the scheme 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.
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.
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.
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). WINDSprovides data not only for YES-TECH but also for effective drought & disaster
management, accurate weather prediction and offering better parametric insurance
products.
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.
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.
The review/revisions / rationalization / improvements in the crop insurance schemes
is a continuous process and decision on suggestion/ representations/ recommendations
of the stakeholders/studies are taken from time to time. Based on the experience gained,
views of various stakeholders and with a view to ensure better transparency,
accountability, timely payment of claims to the farmers and to make the scheme more
farmer friendly, Government has periodically revised the Operational Guidelines of the
PMFBY comprehensively to ensure that the eligible benefits under the scheme reach the
farmers timely and transparently.Annexure-I
PMFBY& RWBCIS : State-wise details of Pending Claims as on
30.06.2025
Total Pending Claims (Rs. in
State/UT
Crore)
A & N Islands 0
Andhra Pradesh 2565.8
Assam 32.2
Bihar 0
Chhattisgarh 137.6
Goa 0
Gujarat 130.3
Haryana 65.5
Himachal Pradesh 7.2
Jammu & Kashmir 4.6
Jharkhand 27.2
Karnataka 29.6
Kerala 0.7
Madhya Pradesh 1469.8
Maharashtra 334.4
Manipur 0
Meghalaya 0.7
Odisha 15.5
Puducherry 2.6
Rajasthan 1531.8
Sikkim 0
Tamil Nadu 126.3
Telangana 0
Tripura 0.3
Uttar Pradesh 121.1
Uttarakhand 0.4
West Bengal 0.5
Total 6,604Annexure – II
Andhra Pradesh :: PMFBY & RWBCIS ::
Statement showing the District/Season wise provisional claims pending as on 30.06-2025 (as estimated by the State Agriculture Deptt based on Yield and Weather data available)
Rabi 2022-23 Kharif 2023 Rabi 2023-24 Kharif 2024 Total
District (Andhra Pending Farmers Pending Farmers Pending Farmers Pending Farmers Pending Farmers
Pradesh) Claim (Rs. In Application Claim (Rs. In Application Claim (Rs. Application Claim (Rs. In Application Claim (Rs. In Application
Cr.) (In No.) Cr.) (In No.) In Cr.) (In No.) Cr.) (In No.) Cr.) (In No.)
Alluri Seetharamaraju 0.00 0 52.98 14,620 58.83 30,095 0.31 2,699 112.12 47,414
Anakapalli 0.00 0 5.52 31,167 93.22 34,237 0.29 5,531 99.02 70,935
Ananthpuram 0.00 0 295.87 2,34,715 61.00 45,497 64.87 26,529 421.74 3,06,741
Annamayya 0.00 0 27.05 73,815 17.30 15,851 0.00 0 44.34 89,666
Bapatla 0.004 25 46.46 41,542 9.54 38,727 17.82 26,016 73.83 1,06,310
East Godavari 0.16 1,220 13.82 19,142 36.11 17,494 1.56 795 51.65 38,651
Eluru 0.00 0 21.16 19,006 49.98 15,178 7.77 4,728 78.90 38,912
Guntur 0.00 0 42.54 60,205 10.50 33,864 0.99 1,926 54.03 95,995
Kakinada 2.74 16,789 17.01 39,647 40.48 42,839 12.54 11,690 72.76 1,10,965
Dr.B.R.Ambedkar 0.29 998 22.47 35,853 2.79 19,944 3.07 12,975 28.62 69,770
Konaseema
Krishna 1.91 13,859 2.88 4,440 5.34 38,972 38.57 23,210 48.70 80,481
Kurnool 0.00 0 316.22 3,73,860 35.87 32,281 0.04 326 352.13 4,06,467
Nandyal 4.24 22,624 56.21 99,210 123.08 75,138 0.00 0 183.52 1,96,972
NTR 1.50 4,665 55.50 71,180 4.23 11,034 53.17 24,289 114.41 1,11,168
P.Manyam 6.52 1,334 11.20 42,536 36.38 24,558 0.00 0 54.10 68,428
Palnadu 1.80 3,825 33.70 1,19,899 1.67 2,699 0.58 2,161 37.75 1,28,584
Prakasam 57.41 64,160 30.43 38,966 35.98 39,667 0.00 0 123.83 1,42,793
Sri Satya Sai 0.00 0 144.35 1,85,268 16.46 11,765 3.08 10,979 163.89 2,08,012
SPSL Nellore 8.34 17,281 0.77 1,549 91.84 15,732 0.29 437 101.24 34,999
Srikakulam 0.86 11,576 55.32 1,24,336 18.50 48,082 0.92 2,268 75.59 1,86,262
Tirupati 3.34 14,708 1.34 9,495 37.50 10,591 0.00 0 42.18 34,794
Vizianagaram 0.00 0 8.45 51,383 13.03 6,269 0.00 0 21.48 57,652
West Godavari 0.24 1,354 26.63 43,283 0.08 472 17.59 11,737 44.54 56,846
YSR Kadapa 16.51 22,931 49.53 71,986 89.89 1,09,075 1.41 11,334 157.34 2,15,326
Chittoor 0 7.52 38,624 0.61 1,824 0.00 0 8.13 40,448
Total 105.85 1,97,349 1344.91 18,45,727 890.21 7,21,885 224.87 1,79,630 2,565.84 29,44,591
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