{"id":141544,"date":"2022-02-16T17:59:06","date_gmt":"2022-02-16T12:29:06","guid":{"rendered":"https:\/\/www.caravanalive.com\/?p=141544"},"modified":"2022-04-06T16:36:06","modified_gmt":"2022-04-06T11:06:06","slug":"pm-fasal-bima-yojna-withers-does-it-need-restructuring","status":"publish","type":"post","link":"https:\/\/www.caravanalive.com\/?p=141544","title":{"rendered":"PM Fasal Bima Yojna Withers: Does It Need Restructuring?"},"content":{"rendered":"<div class=\"2a6a8c3593e6620bd92d71f585bdd19b\" data-index=\"4\" style=\"float: none; margin:10px 0 10px 0; text-align:center;\">\n<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6453632170035383\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- NEW RESPONSIVE -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6453632170035383\"\r\n     data-ad-slot=\"2960496911\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\n<\/div>\n\r\n<p>Despite increasing allocated funds, the Union government has been unable to significantly improve the penetration of crop insurance in terms of enrolled farmers and insured areas.<\/p>\r\n\r\n\r\n\r\n<p>The ailing PM Fasal Bima Yojana (PMFBY) Needs a structural redesign. The scheme, in its present structure, could be a good profit-making policy for insurance companies.<\/p>\r\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/2nafqn3o0l6kwfofi3ydj9li-wpengine.netdna-ssl.com\/wp-content\/uploads\/\/2019\/10\/Pradhan-Mantri-Fasal-Bima-Yojana_Portal-1024x477.jpg\" alt=\"Part-1: What is the Pradhan Mantri Fasal Bima Yojana (PMFBY)?\" \/><\/p>\r\n\r\n\r\n\r\n<p>India\u2019s agriculture sector, which provides employment to\u00a050% of the labour force and contributes about 17% of the gross domestic product, currently faces multiple challenges. Smaller land holdings, unfavourable climate changes events, dismal public and personal investment, low monthly incomes, a high proportion of indebted farmers and unfavourable terms of trade between farmers and non-farmers are just\u00a0some\u00a0of\u00a0the foremost\u00a0problems.<\/p>\r\n\r\n\r\n\r\n<p>Against this backdrop, PMFBY was announced within the Kharif 2016 season to strengthen the agriculture insurance scheme and increase farmers\u2019 income by reducing the non-preventable agriculture risk and indebtedness of farmers.<\/p>\r\n\r\n\r\n\r\n<p>It was available for all farmers, including sharecroppers and tenant farmers who cultivate the notified crops\u00a0within the\u00a0notified areas. The entire\u00a0notified crops for PMFBY was\u00a0over previous crop insurance schemes. However, like other preceding schemes,\u00a0it had been initially compulsory for those farmers who had taken institutional credit (loan farmers). It had been\u00a0protecting agriculture from non-preventable risks\u00a0like\u00a0drought, floods, and pests from the sowing period to the harvesting period until Kharif 2020.<\/p>\r\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.govtgk.com\/wp-content\/uploads\/2019\/11\/Pradhan-Mantri-Fasal-Bima-Yojana-tt-1.jpg\" alt=\"Pradhan Mantri Fasal Bima Yojana || \u092a\u094d\u0930\u0927\u093e\u0928\u092e\u0902\u0924\u094d\u0930\u0940 \u092b\u0938\u0932 \u092c\u0940\u092e\u093e \u092f\u094b\u091c\u0928\u093e - Govt GK\" \/><\/p>\r\n\r\n\r\n\r\n<p>Insurance companies in PMFBY charge an actuarial premium rate\u00a0with no\u00a0ceiling. However, farmers\u00a0must\u00a0pay\u00a0a\u00a0hard and fast\u00a0percentage of the sum insured as a premium. The difference between the actuarial premium rate\u00a0and also the\u00a0premium rate paid by farmers, i.e., premium subsidy, is equally shared between the state and central governments. Despite having\u00a0a set\u00a0rate of premium for farmers, the premium amount paid by farmers and premium subsidy increases with\u00a0a rise\u00a0within the sum insured by farmers. The premium subsidy also increases when total insured farmers, total area insured,\u00a0and therefore the number of crops notified by the states for crop insurance increase.<\/p>\r\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/akm-img-a-in.tosshub.com\/aajtak\/images\/story\/202106\/farmers8999887_1-sixteen_nine.jpg?size=948:533\" alt=\"PM Fasal Bima Yojana: \u0915\u093f\u0938\u093e\u0928\u094b\u0902 \u0915\u094b \u092e\u093f\u0932\u0947\u0917\u093e \u0928\u0941\u0915\u0938\u093e\u0928 \u0915\u093e \u092e\u0941\u0906\u0935\u091c\u093e, 31 \u091c\u0941\u0932\u093e\u0908 \u0938\u0947 \u092a\u0939\u0932\u0947  \u0915\u0930\u0947\u0902 \u092b\u0938\u0932 \u092c\u0940\u092e\u093e \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 - pradhan Mantri Fasal Bima Yojana  insurance of Kharif crops Pm\" \/><\/p>\r\n\r\n\r\n\r\n\r\n\r\n<p>The total number of insured farmers\u00a0within the\u00a0Kharif season increased from 40.8 million to 42.4 million and\u00a0within the Rabi season, it increased from 17.8 million to 19.8 million between 2016-17 to 2019-2020, respectively.<\/p>\r\n\r\n\r\n\r\n<p>According to the matters Situation Assessment of Agriculture Households (SAAH) report for 2018-19,\u00a0the overall number of agriculture households\u00a0within the\u00a0country are about 93 million. It shows that\u00a0but\u00a050% of farmers are covered under this scheme. Out of total insured farmers, the share of loanee farmers is\u00a0quite\u00a090%.<\/p>\r\n<p>The share of non-loanee farmers is low and concentrated in some states like Maharashtra and\u00a0West Bengal.\u00a0the entire\u00a0insured area in Kharif 2016-17 was 386 lakh hectares, which declined to 324 hectares in Kharif 2018-19. However,\u00a0the overall\u00a0insured area\u00a0within the\u00a0same period\u00a0within the\u00a0Rabi season was 191 lakh hectares. The\u00a0commission\u00a0on Agriculture (chair: P.C. Gaddigoudar) in its report on PMFBY, highlighted that the insured area as a percentage of the sown area has declined from 29% to 25% between 2016-17 to 2019-20.<\/p>\r\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/lalluram.com\/wp-content\/uploads\/2020\/04\/fasal-bima-yojna.jpg\" alt=\"8699 \u0915\u093f\u0938\u093e\u0928\u094b\u0902 \u0915\u094b \u0938\u093e\u0922\u0947 7 \u0915\u0930\u094b\u0921\u093c \u0930\u0941\u092a\u092f\u0947 \u092b\u0938\u0932 \u092c\u0940\u092e\u093e \u0915\u093e \u0939\u094b\u0917\u093e \u092d\u0941\u0917\u0924\u093e\u0928, 7966 \u0915\u093f\u0938\u093e\u0928\u094b\u0902 \u0915\u094b  \u092e\u093f\u0932 \u091a\u0941\u0915\u0940 \u0939\u0948 6 \u0915\u0930\u094b\u0921\u093c 55 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947 \u0915\u0940 \u0930\u093e\u0936\u093f\" \/><\/p>\r\n\r\n\r\n\r\n<p>\u00a0Between 2016-17 to 2020-21, the budget estimate and actual expenditure on PMFBY had continuously increased. the particular expenditure on PMFBY as a percentage of actual agriculture and allied sector expenditure is bigger than the estimated budgetary expenditure on PMFBY as a percentage of the budgetary estimate of agriculture and allied sector between 2016-17 to 2019-20.<\/p>\r\n\r\n\r\n\r\n<p>It shows that the central government systematically underestimates\u00a0the general\u00a0expenditure on the scheme, which\u00a0may be\u00a0one of all\u00a0the explanations\u00a0for the delay in claim settlement. Added\u00a0to the present,\u00a0the govt\u00a0budget runs on accrual accounting\u00a0instead of\u00a0cash accounting, increasing the delay in payment further<\/p>\r\n\n<div style=\"font-size: 0px; height: 0px; line-height: 0px; margin: 0; padding: 0; clear: both;\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Despite increasing allocated funds, the Union government has been unable to significantly improve the penetration of crop insurance in terms of enrolled farmers and insured areas. The ailing PM Fasal Bima Yojana (PMFBY) Needs a structural redesign. The scheme, in its present structure, could be a good profit-making policy for insurance companies. India\u2019s agriculture sector, [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":141667,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[{"category_id":156,"category_link":"https:\/\/www.caravanalive.com\/?cat=156","category_name":"India"},{"category_id":1368,"category_link":"https:\/\/www.caravanalive.com\/?cat=1368","category_name":"Politics"}],"tags":[{"tag_id":3307,"tag_link":"https:\/\/www.caravanalive.com\/?tag=agriculture-insurance","tag_name":"agriculture insurance"},{"tag_id":3308,"tag_link":"https:\/\/www.caravanalive.com\/?tag=agriculture-premium","tag_name":"agriculture premium"},{"tag_id":3305,"tag_link":"https:\/\/www.caravanalive.com\/?tag=agricuture","tag_name":"agricuture"},{"tag_id":3306,"tag_link":"https:\/\/www.caravanalive.com\/?tag=kharif-crops","tag_name":"kharif crops"},{"tag_id":3304,"tag_link":"https:\/\/www.caravanalive.com\/?tag=kisaan","tag_name":"kisaan"},{"tag_id":3303,"tag_link":"https:\/\/www.caravanalive.com\/?tag=kisan-bima-yojna","tag_name":"kisan bima yojna"},{"tag_id":1622,"tag_link":"https:\/\/www.caravanalive.com\/?tag=pm-narendra-modi","tag_name":"PM Narendra Modi"}],"class_list":["post-141544","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-india","category-politics","tag-agriculture-insurance","tag-agriculture-premium","tag-agricuture","tag-kharif-crops","tag-kisaan","tag-kisan-bima-yojna","tag-pm-narendra-modi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>PM Fasal Bima Yojna Withers: Does It Need Restructuring? - Alive<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.caravanalive.com\/?p=141544\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PM Fasal Bima Yojna Withers: Does It Need Restructuring? - Alive\" \/>\n<meta property=\"og:description\" content=\"Despite increasing allocated funds, the Union government has been unable to significantly improve the penetration of crop insurance in terms of enrolled farmers and insured areas. 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The ailing PM Fasal Bima Yojana (PMFBY) Needs a structural redesign. The scheme, in its present structure, could be a good profit-making policy for insurance companies. 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