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Lapses flagged in crop insurance disbursement to Karnataka farmers
Why in News?
Farmers wait, insurers don't pay: the PMFBY yield-data rule every GS3 answer needs
A Karnataka legislator flagged delays in crop insurance claim disbursement under the Pradhan Mantri Fasal Bima Yojana.
Why it matters: asked in UPSC 2016; GS-3 core; factual, Prelims-type
What you need to know
2 min read
A Karnataka MLA has flagged delays and lapses in the disbursement of crop insurance claims to farmers in the state.
Farmers in Karnataka are primarily covered against crop loss under the Pradhan Mantri Fasal Bima Yojana (PMFBY), a centrally sponsored scheme implemented through empanelled insurance companies.
Under the scheme, claim settlement depends on yield data collected through Crop Cutting Experiments and, increasingly, remote-sensing technology.
Sources: The Hindu · Topper IAS editorial
Key facts
Remember these
- PMFBY (Pradhan Mantri Fasal Bima Yojana) is a centrally sponsored crop insurance scheme for farmers
- Claim settlement under PMFBY is based on yield data from Crop Cutting Experiments (CCE)
- Remote-sensing technology is increasingly used alongside CCE to estimate crop yield
- A Karnataka MLA has flagged delays and lapses in PMFBY claim disbursement to farmers in the state
- PMFBY is implemented through empanelled insurance companies
Prelims · Mains
How the exam will ask it
Prelims
- PMFBY is implemented through empanelled insurance companies under a centrally sponsored scheme
- Claim settlement under PMFBY relies on yield data from Crop Cutting Experiments and remote-sensing technology
- PMFBY provides coverage against crop loss to farmers, including those in Karnataka
Mains
GS Paper 3 - Agriculture: delays in PMFBY claim disbursement, as flagged for Karnataka, point to gaps between yield-data collection (Crop Cutting Experiments and remote sensing) and timely payout by empanelled insurers. This undermines the scheme's core purpose of derisking farm incomes, and calls for faster digitisation of yield data, enforceable settlement timelines, and tighter state-insurer coordination.
PYQ connection
A question UPSC has already asked on this
With reference to 'Pradhan Mantri Fasal Bima Yojana', consider the following statements:
- Under this scheme, farmers will have to pay a uniform premium of two percent for any crop they cultivate in any season of the year.
- This scheme covers post-harvest losses arising out of cyclones and unseasonal rains.
Which of the statements given above is/are correct?
- 1 only
- 2 only
- Both 1 and 2
- Neither 1 nor 2
Show answer
Answer: B
Why this matters: today's issue is directly connected to a concept UPSC has already tested. Read the story with this question in mind.
Practise this PYQ →Quick recall
Answer before you reveal
The crop insurance scheme under which farmers in Karnataka, including those flagged over disbursement delays, are covered against crop loss is the:
- National Agricultural Insurance Scheme
- Modified National Agricultural Insurance Scheme
- Weather Based Crop Insurance Scheme
- Pradhan Mantri Fasal Bima Yojana
Show answer
Answer: D — The Pradhan Mantri Fasal Bima Yojana (PMFBY), launched in 2016, is the current flagship crop insurance scheme, having replaced the earlier National Agricultural Insurance Scheme and its modified version.
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