PMFBY Claims Uttar Pradesh: Govt Says No CCE Discrepancy, 98.93% Settled
PMFBY Claims: Uttar Pradesh Reports 98.93% Settlement, Clears CCE Discrepancy Concerns
The government confirms smooth crop insurance claim processing
PMFBY Claims: Uttar Pradesh records major progress under PMFBY as 98.93% crop insurance claims stand settled.
New Delhi- PMFBY Claims: The central government has told the Lok Sabha that no discrepancy has been found in Crop Cutting Experiment (CCE) data used to calculate crop insurance claims in Uttar Pradesh, in a written reply to a Starred Question on alleged underpayment of claims to farmers under the Pradhan Mantri Fasal Bima Yojana (PMFBY).
The question tabled by MPs Devesh Shakya and Babu Singh Kushwaha and asked whether farmers in several UP districts were receiving claims lower than actual loss, or nil claims, due to alleged discrepancies in CCE data. It also sought five-year district- and company-wise settlement details for Uttar Pradesh and Jaunpur, asked whether the claim settlement ratio had declined despite substantial national budget allocation, and raised the status of sharecroppers and tenant farmers under the scheme, along with the possibility of punitive action against insurers responsible for delays.
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PMFBY Claims: Area Approach and CCE data
Responding on behalf of the Ministry of Agriculture and Farmers Welfare, Union Minister Shivraj Singh Chauhan said PMFBY is implemented mainly on an “Area Approach” basis, wherein claims are calculated based on the shortfall in actual yield submitted by the state government, using CCE data as well as technology-based yield estimates under YES-TECH, measured against a threshold yield as per the scheme’s Operational Guidelines. No claim becomes payable where there is no shortfall in yield.
Citing information from the Uttar Pradesh government, the Centre stated that no discrepancy has been found in CCE data. Conduct of CCEs through the CCE Agri App has been mandatory since Kharif 2025, and 96% of CCEs in the state were conducted through the app in 2025-26 to ensure transparency and efficiency. Field inspections by agriculture and revenue department officials are additionally carried out to verify the correctness and reliability of CCEs.
PMFBY Claims: YES-TECH weightage higher than national floor
YES-TECH (Yield Estimation System Based on Technology) has been implemented since Kharif 2023 to reduce dependence on manual CCEs and enable gradual migration to remote-sensing-based yield estimation for what the reply describes as objective crop damage and loss assessment. While a mandatory minimum 30% weightage to YES-TECH-derived yield applies nationally, Uttar Pradesh assigned it a 50% weightage in 2025-26.
PMFBY Five-year claims: Rs 3,669.90 crore paid of Rs 3,741.95 crore reported
For the period 2021-22 to 2025-26, insurance company-wise data shows AIC (Agriculture Insurance Company of India) with the largest exposure — Rs 1,653.23 crore reported against Rs 1,639.72 crore paid — followed by IFFCO Tokio (Rs 745.49 crore reported, Rs 709.40 crore paid), HDFC Ergo (Rs 569.38 crore reported, Rs 554.56 crore paid), Universal Sompo (Rs 486.64 crore reported, Rs 483.08 crore paid), and SBI General (Rs 287.21 crore reported, Rs 283.13 crore paid). Total reported claims across all insurers stood at Rs 3,741.95 crore, against which Rs 3,669.90 crore was paid.
District-wise figures placed in Annexure-I show Jhansi with the highest reported claims over the five-year period at Rs 604.49 crore, followed by Mathura (Rs 527.90 crore), Lalitpur (Rs 525.13 crore), Mahoba (Rs 435.64 crore) and Jalaun (Rs 219.36 crore). Jaunpur, the constituency specifically named in the question, recorded a comparatively modest Rs 5.49 crore reported and Rs 5.33 crore paid over the same period.
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PMFBY Claims: 98.93% settled since scheme’s 2016 inception
Since PMFBY’s launch in 2016, cumulative reported claims in Uttar Pradesh stand at Rs 6,736.08 crore, of which Rs 6,663.75 crore — or 98.93% — had been paid to farmers as of June 30, 2026, according to the government’s submission. The reply stated that the majority of claims are settled within the timelines stipulated under the scheme’s operational guidelines.
Where claims remained pending in the state, the government attributed this mainly to unverified bank account details of enrolled farmers and pending claim liability on the part of the state government, rather than to disputes over CCE or yield data.
financial security
PMFBY Claims: Settlement ratios vary by district and year
Year-wise data in Annexure-II, covering 2022-23 to 2025-26, shows the claims settlement ratio fluctuating across districts. In Jhansi (IFFCO Tokio), the ratio moved from 96.80% in 2022-23 to 94.23% in 2024-25 and 94.50% in 2025-26 on reported claims of Rs 214.51 crore that year. Mathura (HDFC Ergo) recorded a ratio of 83.95% in 2025-26 against 99.21% in 2022-23, while Mahoba (IFFCO Tokio) stood at 84.07% in 2025-26 versus 99.73% in 2022-23. By comparison, Lalitpur (AIC) maintained a 99.19% ratio in 2025-26 on Rs 168.49 crore reported, and Hamirpur (AIC) recorded 98.99%. Jaunpur’s settlement ratio under SBI General was 96.70% in 2025-26.
21-day timeline, 12% delay penalty
Under the Operational Guidelines, insurance companies are required to settle claims within 21 days of claim calculation on the National Crop Insurance Portal (NCIP) and receipt of premium subsidy. Where payment is not made within this period, a 12% penalty is auto-calculated and levied through the NCIP, a provision in effect since Kharif 2024.
Sharecroppers and tenant farmers
On enrolment of sharecroppers and tenant farmers over the last five years, the government reported 27,153 sharecropper and 92,613 tenant farmer applications in Uttar Pradesh, including 180 sharecropper and 484 tenant farmer applications from Jaunpur. The reply reiterated that PMFBY is demand-driven and voluntary, and that any farmer with insurable interest — including sharecroppers and tenant farmers — willing to pay the farmer’s share of premium is free to enrol.
