Pradhan Mantri Fasal Bima Yojana By Dr Ashish Bhutani, CEO, PMFBY Kharif 2019 Conference By Dr Ashish Bhutani, CEO, PMFBY

Pradhan Mantri Fasal Bima Yojana Scheme has entered the fourth year of implementation

Achievements Insured Area Sum Insured Technology Voluntary Coverage Crop Combinations Sum Insured increased from Rs 1.35 lakh crore to Rs 2.07 lakh crore (larger risk coverage for same crop) Number of crop combinations notified increased from 80 to 200 Insured Area increased from 22% to 30% of Gross Cropped Area (GCA) Voluntary coverage increased from 5% to 34% Technological intervention in administration of the scheme – eg NCIP and CCE agri app

Achievements Revised Operational Guidelines launched and implemented from 1st October 2018 Partnership developed with CSC for additional window of enrolment for non-loanee farmers – 71.31 lakh farmers enrolled in Kharif 18 Insurance unit reduced to village/village panchayat for major crops National Crop Insurance Portal Launched – integration with different stakeholders like Banks, ICs, CSC, and access to individual farmer CCE agri app launched to improve transparency and quality of CCE data Premium rationalization process initiated Monitoring and Evaluations system developed for improved transparency and accountability Awareness activities on PMFBY conducted in more than 1000 villages during Krishi Kalyan Abhiyan II Issuing/Distribution of acknowledgment receipts to insured farmers

States are compiling the yield data after harvesting Overview of PMFBY Period Seasons Farmers Application Area Insured Sum Insured Farmer Premium Gross Premium Admissible Claims Farmers Benefitted (Lakh) (Lakh ha) In Rs Crore 2016-17   Kharif 16 404 382 1,31,018 2,897 16,015 10,525 107 Rabi 16-17 173 185 72382 1,304 5,931 5,864 36 Total 577 567 2,03,400 4,201 21,946 16,389 143 2017-18 Kharif 17 349 343 1,29,295 3,014 18,991 17,707 140 Rabi 17-18 (provisional) 172 177 78,601 1,471 6,510 3,132 16 521* 520 2,07,896 4,485 25,501 20,839 156 2018-19 Kharif 18 (till date) 343** 310 1,28,214 3,076 20,522 States are compiling the yield data after harvesting *Due to introduction of Aadhar based enrolment, de-duplication removed multiple beneficiaries Loan waiver in few States affected enrolment **Provisional, data from few States not yet received. Final data expected to exceed coverage in Kharif 2017 season

Issues Requiring Attention of States

Timely release of State Share of Subsidy

Status of State Share of Subsidy PMFBY and RWBCIS State/UT Kharif 16 Rabi 2016-17 Kharif 17 Rabi 2017-18 Kharif 18 Total In Crore A&N Island N/A Paid 0.08 Andhra Pradesh 177.91 Assam 0.30 0.85 1.18 Bihar 0.02 136.20 136.22 Chhattisgarh 0.01 0.35 15.58 15.94 Goa - Gujarat 0.46 110.03 110.50 Haryana Himachal Pradesh 0.22 Jammu & Kashmir 2.17 Jharkhand 2.00 2.44 151.37 155.81 Karnataka 0.09 0.93 4.49 5.51 Kerala 2.78

Status of State Share of Subsidy PMFBY and RWBCIS State/UT Kharif 2016 Rabi 2016-17 Kharif 17 Rabi 2017-18 Kharif 18 Total In Crore Madhya Pradesh Paid 0.05 1.25 233.14 1666.62 1892.87 Maharashtra 0.22 8.24 189.91 198.37 Manipur N/A Meghalaya - Odisha 0.01 102.73 102.74 Puducherry 0.03 Rajasthan 11.68 142.78 456.24 610.70 Sikkim Tamil Nadu 2.35 2.22 7.05 11.62 Telangana 2.83 152.60 155.48 Tripura Uttar Pradesh 0.43 0.52 16.95 20.31 32.81 Uttarakhand West Bengal 2.77 11.19 13.96

Issues Requiring Attention of States Timely sharing of AY/TY data with Insurance Companies Expedite setting up of Grievance Redressal Committees at State and District level as per Revised Operational Guidelines (letter issued in January 2019) Constitution of State Technical Advisory Committee (STAC) Issue and digitization of notification of PMFBY for Kharif 2019 at the earliest to ensure maximum participation by farmers Risk Pool Mechanism – aggregation of risk for better implementation in cost effective manner – (comments from States sought) Protocol for coverage of crop damage by wild animals shared with States – comments awaited

Issues Requiring Attention of States Revisit process of conducting CCEs – prevent moral hazards by different stakeholders Schedule of CCEs to be formally shared in advance with ICs to facilitate co-observance of CCE activities Sync State crop calendars with seasonality discipline of PMFBY – ensure harvest period is not after cut-off date for enrolment Ensure Village Master list is updated in a timely manner on the portal RWBCIS term sheets to be re-designed – ensure all critical weather perils are covered and risk period is synced with cropping calendar

Issues Requiring Attention of States Compulsory bidding by ICs in North East States – States to ensure any issues with ICs participation is raised in a timely manner with GoI Strong involvement of State Dept for IEC activities taken up at the State/District/Block/GP level Regular media monitoring to address any issues raised about farmers’ grievances or pending claims

Technological Interventions in PMFBY CCE Agri App and Farmers’ App launched – States to support customization of apps based on regional requirements Pilot studies by 8 agencies under KISAN-I Project for optimization of CCEs in 12 States (23 Districts) for 5 Crops (Bajra, Cotton, Maize, Paddy & Soybean) during Kharif 2018 and pilot extended for Rabi’2018-19 for selected crops Pilots on technological intervention by States – Odisha, Karnataka and AP using Remote Sensing Technology for crop loss assessment, smart sampling and insured crops verification etc. Karnataka spearheading technology based claim settlement from Kharif 18 Dedicated infrastructure and manpower by Maharashtra Govt to monitor Automatic Weather Stations

THANK YOU @pmfby @PMFasalBimaYojana www.pmfby.gov.in