Abstract

The Pradhan Mantri Fasal Bima Yojana (PMFBY) is a multi-peril national level crop insurance scheme that was launched by the Government of India on 13th January 2016. It was subsequently rolled out in June 2016. PMFBY is a successor to earlier schemes such as the National Agricultural Insurance Scheme (NAIS) and the more recent Modified Agricultural Insurance Scheme (MNAIS). Through PMFBY, the Government of India aims to incorporate the best features from all the previous crop insurance schemes while also addressing their shortcomings. Against this context, CBPS is conducting an in-depth assessment of the scheme, examining its overall implementation in Karnataka as well as assess farmer enrollment and uptake trends across districts in Karnataka. Findings from the project have been disseminated in 3 different reports, each report covering a different aspect of the study.

This report looks to analyse the implementation of crop insurance schemes in Karnataka vis-a-vis the PMFBY operational guidelines across the four stages of pre-notification, notification, enrolment and claims. It also looks to analyse the revised PMFBY operational guidelines proposed by the GoI as well as the GoK (Karnataka) to understand potential implications of the new guidelines on the scheme’s functioning. Findings from the study indicate that continuous evolution of regulations, technological provision as per local contexts as well as adequate stakeholder involvement are key for effective implementation of the PMFBY scheme. Recommendations made by the Department of Agriculture for Karnataka can also be integrated into the PMFBY guidelines to aid the scheme in reaching its full potential.

CBPS. (2018). Implications of the PMFBY operational guidelines on the implementation of crop insurance scheme in Karnataka. Bengaluru: Centre for Budget and Policy Studies.