Pradhan Mantri Fasal Bima Yojana during each of the last three years and the current year,State-Wise


GOVERNMENT OF INDIA 
MINISTRY OF AGRICULTURE AND FARMERS WELFARE 
DEPARTMENT OF AGRICULTURE, COOPERATION & FARMERS WELFARE 

LOK SABHA 
STARRED QUESTION NO. 17 
TO BE ANSWERED ON THE 11TH DECEMBER, 2018 

PRADHAN MANTRI FASAL BIMA YOJANA 

 DR. KAMBHAMPATI HARIBABU: SHRI KAMAL NATH: 

Will the Minister of AGRICULTURE AND FARMERS WELFARE कृषी  एवं किसान  कल्यान मंत्री  
be pleased to state: 
  • (a) the details of enrolment of farmers in the Pradhan Mantri Fasal Bima Yojana(PMFBY) during each of the last three years and the current year, State-wise; 
  • (b) whether lakhs of farmers insured in the first year of PMFBY in 2016-17 withdrew themselves from the scheme in 2017-18 and if so, the details in this regard and the reasons therefor; 
  • (c) whether the Government has undertaken any investigation on the implementation of the scheme and its net effect on the farmers, if so, the details and the outcome thereof; 
  • (d) whether the crop insurance companies have registered huge profits since the launch of the scheme, if so, the response of the Government thereto and the present stand of the Government on the scheme in view of farmers withdrawing themselves from the scheme; and 
  • (e) the remedial measures being taken by the Government to strengthen the scheme and benefit the poor farmers instead of middlemen like insurance companies along with the steps taken to build confidence among farmers to opt for the scheme? 
Pradhan+Mantri+Fasal+Bima+Yojana
ANSWER 
MINISTER OF AGRICULTURE AND FARMERS WELFARE 
कृषी  एवं किसान  कल्यान मंत्री (SHRI RADHA MOHAN SINGH) 

(a) to (e): A statement is laid on the Table of the House. 

STATEMENT REFERRED TO IN REPLY TO PARTS (a) TO (e) OF LOK SABHA STARRED QUESTION NO. 17 DUE FOR REPLY ON 11TH DECEMBER, 2018. 
  • (a) Year-wise and State-wise details of farmers enrolled under the Pradhan Mantri Fasal Bima Yojana (PMFBY), since its inception in April, 2016 till Kharif 2018, are given in Annexure. 
  • (b) No Madam. Both loanee and non-loanee farmers are enrolled under the scheme. Loanee farmers are those who avail the Kisan Credit Card/Crop Loan for notified crops and they are mandatorily covered under the scheme. Participation of non-loanee farmers in the scheme is voluntary. 
After implementation of the PMFBY since April, 2016, enrolment of non-loanee farmers has increased from 27.81 lakh in 2015-16 under erstwhile schemes to 136.66 lakh in 2016-17 and to 138.47 lakh in 2017-18 indicating acceptance of the scheme. 

Enrolment of loanee farmers declined in 2017-18 because of the reasons like farmers becoming ineligible for crop insurance due to Debt Waiver Scheme in Maharashtra and Uttar Pradesh, Government of Uttar Pradesh withdrawing the low risk crops like sugarcane from coverage and introduction of Direct Benefit Transfer (DBT) by the Government in April 2017 to weed out ghost / duplicate beneficiaries while helping genuine farmers through Aadhar based verification, etc. 
  • (c) The scheme is in its third year of implementation and the Department has put a riorous monitoring mechanism in place in form of weekly review with all stakeholders including States, Insurance Companies, Banks and other supporting agencies, issues based meetings with concerned stakeholders including meetings of Technical Advisory Committee and meetings of National Level Monitoring Committee (NLMC) to ensure early settlement of claims under the scheme. 
  • (d) & (e): Pradhan Mantri Fasal Bima Yojana provides financial protection to farmers in the event of crop damage due to natural calamities. The amount of insurance claims depends largely on the crop production and extent of damage due to the weather conditions and nature of calamities. Generally, more claims are paid by insurance companies in the adverse weather conditions, while payment of claims is relatively less compared to premium, during good agriculture years. The details of insurance claims given to farmers in states / areas affected by the natural calamities in the last three seasons are as follows
Season States
Premium paid by farmers (Rs. in crore)
Total Premium (Rs. in crore)
Total Estimated Claims (Rs. in crore)
Total* Claims Paid (Rs. in crore)
Percentage (%) of estimated claims against premium paid by farmers
(Rs. in crore)
Percentage (%) of estimated claims against Total premium (Rs. in
crore)
Kharif 2016 Kerala 3.12 8.57 17.92 17.87 575% 209%
Karnataka 19038. 881.77 1164.08 1151.93 611% 132%
Andhra Pradesh 18112. 680.80 648.28 643.81 358% 95%
Rabi 2016-
17
Tamil Nadu 107 1217.41 3476.20 3394.88 3249% 286%
Andhra Pradesh 18.15 164.70 254.65 240.76 1403% 155%
Kharif 2017 Chhattisgarh 128.18 306.78 1303.89 1303.79 1017% 425%
Haryana 124.19 297.98 614.28 609.99 495% 206%
Madhya Pradesh 508.06 3945.79 5367.28 5307.42 1056% 136%
Odisha 145.09 835.46 1720.85 1719.35 1186% 206%
* Balance estimated claims are being paid by the concerned insurance companies.

         In the country under the scheme, as against the premium collected from farmers amounting to Rs. 4216.04 crore in 2016-17, claims of Rs. 16279.25 crore have been paid to farmers. Similarly, claims of Rs. 16967.92 crore have been paid during 2017-18 (Kharif 2017) against premium collected from farmers amounting to Rs.3038.70 crore. Details of the premium received by insurance companies and claimed paid to the farmers during last three seasons is as under:-
Rs. in Crore
Sl.No. Season Gross Premium received Farmers contribution in Gross Premium Total Claims
1 2016-17 22345.51
4216.04
16279.25
2 Kharif - 2017 19767.46
3038.70
16967.92
Inspite of overall good monsoon during first two years of implementation of PMFBY, the claim ratio during 2016-17 is about 73% and during Kharif 2017, it is about 86%. Moreover, administrative and other cost for insurance company for implementation of the scheme ranges from 10 % to 12% of gross premium. With a view to ensure better transparency, accountability and timely payment of claims to the farmers, Government has comprehensively revised the Operational Guidelines of the scheme recently which, inter-alia, include the following :
  • i) Provision of 12% interest rate per annum to be paid by the Insurance Company to farmers for delay in settlement claims beyond 10 days of prescribed cut off date for payment of claims.
  • ii) State Government have to pay 12% interest rate for delay in release of State share of Subsidy beyond three months of prescribed cut off date/submission of requisition by Insurance Companies.
  • iii) Increased time for change of crop name for insurance - upto 2 working days prior to cut-off date for enrolment instead of earlier provision of 1 month before cut off date.
  • iv) Rationalization of methodology for calculation of Threshold Yield (TY) to calculate claims - Moving average of best 5 out of 7 years to be taken for calculation.
  • v) Increase in risk coverage by inclusion of risks of cloud burst and natural fire under localized calamities and hailstorm under post-harvest losses.
  • vi) Time for intimation of loss due to localized calamities and post-harvest losses has been increased from 48 hours to 72 hours.
  • vii) Stratified grievance redressal mechanism viz. District Level Grievance Redressal Committee (DGRC), State Level Grievance Redressal Committee (SGRC).
  • viii) Detailed plan for publicity and awareness - 0.5% of Gross premium per company per season earmarked for the purpose.
  • ix) Detailed Standard Operating Procedures (SOPs) for settlement of claims under localized calamities, post harvest losses, mid-season adversity and prevented sowing and redressal of disputes regarding yield data including add on features.
  • x) Inclusion of perennial crops and add on coverage for damage by wild animals on pilot basis.
Annexure
Annexure Referred to Part (a) of Lok Sabha Starred Question No. 17 for reply of 11.12.2018
Details of Farmer Applicants enrolled under PMFBY

Sl.
No.

State / UT
Kharif 2016 Rabi 2016-17 Kharif 2017 Rabi 2017-18 Kharif 2018(Provisional)*
Loanee Farmer Enrolment Non Loanee Farmer Enrolment Total Farmer Enrolment Loanee Farmer Enrolment Non Loanee Farmer Enrolment
Total Farmer Enrolment
Loanee Farmer Enrolment Non Loanee Farmer Enrolment Total Farmer Enrolment Loanee Farmer Enrolment Non Loanee Farmer Enrolment Total Farmer Enrolment Loanee Farmer Enrolment Non Loanee Farmer Enrolment Total Farmer Enrolment

1

A & N Islands

324

324

364

364

-

-

-

2

Andhra Pradesh

1,553,441

65,096

1,618,537

84,879

71,996

156,875

1,531,017

66,418

1,597,435

141,157

106,780

247,937

1,578,915

80,453

1,659,368

3

Assam

51,740

9

51,749

8,489

27

8,516

49,815

1,735

51,550

5,288

32

5,320

23,750

1,356

25,106

4

Bihar

1,463,358

22,074

1,485,432

1,215,570

13,236

1,228,806

1,159,095

448

1,159,543

1,082,182

17,625

1,099,807

Not Participated

5

Chhattisgarh

1,251,114

148,075

1,399,189

101,354

48,596

149,950

1,122,964

180,844

1,303,808

121,433

48,977

170,410

1,203,202

175,646

1,378,848

6

Goa

744

744

13

13

537

537

1

1

343

1

344

7

Gujarat

1,837,899

4,487

1,842,386

132,555

198

132,753

1,487,895

2,715

1,490,610

270,862

357

271,219

1,197,522

4,575

1,202,097

8

Haryana

736,959

1,897

738,856

596,007

1,165

597,172

635,987

3,329

639,316

712,746

1,515

714,261

716,721

6,408

723,129

9
Himachal Pradesh
132,222

2,394

134,616

186,990

58,319

245,309

125,006

462

125,468

254,339

2,208

256,547

96,032

1,207

97,239

10
Jammu & Kashmir Not Participated
79,939

5,680

85,619

66,336

188

66,524

84,606

2,600

87,206

11

Jharkhand

169,381

659,031

828,412

31,438

19,489

50,927

156,914

992,872

1,149,786

21,290

27,777

49,067

148,858

1,089,545

1,238,403

12

Karnataka

1,093,807

263,068

1,356,875

174,090

1,206,702

1,380,792

766,867

814,630

1,581,497

15,560

12,250

27,810

619,939

702,786

1,322,725

13

Kerala

23,649

7,882

31,531

29,562

16,312

45,874

25,771

2,593

28,364

20,836

6,953

27,789

24,859

1,448

26,307

14

Madhya Pradesh

3,672,805

399,169

4,071,974

2,999,701

109,567

3,109,268

3,435,404

149,280

3,584,684

3,352,589

91,522

3,444,111

3,208,024

123,218

3,331,242

15

Maharashtra

3,808,676

7,188,722

10,997,398

281,766

726,766

1,008,532

1,944,415

6,823,796

8,768,211

204,806

1,159,660

1,364,466

1,602,826

8,079,412

9,682,238

16

Manipur

5,928

2,438

8,366
Not Participated
8,812

297

9,109
Not Participated

17

Meghalaya

63

63

26

26

2,945

2,945

-

-

-

18

Odisha

1,735,919

30,622

1,766,541

51,701

1,994

53,695

1,673,342

154,497

1,827,839

60,419

3,068

63,487

1,755,409

275,598

2,031,007

19

Puducherry

44

8,493

8,537

-

-

-

-

-

-

-

20

Rajasthan

6,230,841

673

6,231,514

2,938,246

-

2,938,246

5,417,582

32

5,417,614

3,173,870

558

3,174,428

3,949,905

5,582

3,955,487

21

Sikkim

-

574

574

285

508

793

-

664

664

210

31

241

22

Tamil Nadu

15,870

3

15,873

297,228

1,098,125

1,395,353

75,679

70,541

146,220

349,350

996,420

1,345,770

96,238

132,635

228,873

23

Telangana

652,570

56,306

708,876

249,219

15,248

264,467

787,809

31,581

819,390

171,796

19,699

191,495

518,986

76,256

595,242

24

Tripura

937

944

1,881

2,474

8,405

10,879

1,931

389

2,320

4,442

4,912

9,354

-

-

-

25

Uttar Pradesh

3,734,870

4,403

3,739,273

3,078,250

25,579

3,103,829

2,491,105

8,839

2,499,944

2,757,989

63,823

2,821,812

3,059,094

77,388

3,136,482

26

Uttarakhand

162,188

13,055

175,243

66,727

19,601

86,328

120,444

21,782

142,226

56,066

24,279

80,345

117,883

19,282

137,165

27

West Bengal

1,713,316

1,340,092

3,053,408

1,074,761

5,110

1,079,871

1,110,601

1,239,735

2,350,336

926,625

684,552

1,611,177

1,510,790

901,645

2,412,435

Grand Total

30,048,297

10,210,440

40,258,737

13,601,414

3,455,502

17,056,916

24,203,349

10,572,706

34,776,055

13,779,158

3,274,116

17,053,274

21,514,112

11,757,072

33,271,184
* The figure of farmer enrolment for Kharif 2018 is provisional and data from few States viz., Rajasthan, Madhya Pradesh, etc. are still awaited. Enrolment during Kharif 
2018 is likely to be higher than Kharif 2017.



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