The Pradhan Mantri Fasal Bima Yojana insures farmers’ crops against drought, flood and pests. Asked in the Lok Sabha about claims left unpaid, the Ministry of Agriculture and Farmers Welfare gave a state-wise report of every claim reported, paid and pending from 2020-21 to 2024-25, as on 31 December 2025.
Nationally, Rs 1,00,085.33 crore of claims were reported and Rs 95,977.80 crore paid, 95.9%. That leaves Rs 4,107.47 crore pending. Most states have paid more than 95 per cent of their claims. The big exception is one state.
Three-quarters of the pending money is in one state
In Andhra Pradesh, Rs 3,793.61 crore of claims were reported and Rs 751.94 crore paid, 19.8%. Its Rs 3,041.66 crore still pending is 74% of all pending claims in the country. The answer does not say why.
In Jharkhand, Rs 27.28 crore of claims were reported and nothing has been paid.
Source: Ministry of Agriculture and Farmers Welfare, answer to Lok Sabha Unstarred Question 662, 3 February 2026, Annexure-I.
Why claims stay pending, in the ministry’s words
The answer says that most admissible claims are settled on time, and that complaints about payment “are primarily on account of (a) delay in providing State Government share of subsidy (b) non-payment/delayed payment or under payment of claims on account of incorrect/delayed submission of insurance proposals by banks (c) discrepancy in yield data & consequent disputes between State Government and insurance companies.” It does not say which of these applies in any state, and neither do we.
Got it right
Among states with more than Rs 1,000 crore of claims, Chhattisgarh has paid 100.0%, Madhya Pradesh has paid 99.7%, Odisha has paid 99.6%, Karnataka has paid 99.4%. The ministry also reports two safeguards: a 12 per cent penalty on delayed claim payments, calculated automatically on the National Crop Insurance Portal, and, from Kharif 2025, a mandatory escrow account in which states deposit their premium share in advance.
What this does and does not show
- The table covers the 23 states and union territories in the ministry’s report; states not listed are not in it.
- It shows money pending on 31 December 2025, not how long each claim has waited.
- It gives no reasons by state.
Every state and union territory
| State / UT | Reported (Rs cr) | Paid (Rs cr) | Pending (Rs cr) | Paid share |
|---|---|---|---|---|
| Andhra Pradesh | 3,793.61 | 751.94 | 3,041.66 | 19.8% |
| Rajasthan | 19,374.25 | 18,994.26 | 379.99 | 98.0% |
| Maharashtra | 27,115.96 | 26,812.78 | 303.19 | 98.9% |
| Karnataka | 11,251.80 | 11,182.78 | 69.02 | 99.4% |
| Uttarakhand | 1,168.26 | 1,119.45 | 48.81 | 95.8% |
| Haryana | 6,015.01 | 5,966.52 | 48.50 | 99.2% |
| Madhya Pradesh | 13,923.73 | 13,877.83 | 45.89 | 99.7% |
| Tamil Nadu | 5,961.62 | 5,917.27 | 44.35 | 99.3% |
| Uttar Pradesh | 3,354.45 | 3,315.66 | 38.79 | 98.8% |
| Jharkhand | 27.28 | 0.00 | 27.28 | 0.0% |
| Assam | 639.85 | 617.83 | 22.01 | 96.6% |
| Kerala | 587.25 | 574.54 | 12.70 | 97.8% |
| Odisha | 2,594.33 | 2,583.66 | 10.67 | 99.6% |
| Himachal Pradesh | 385.62 | 376.79 | 8.83 | 97.7% |
| Jammu and Kashmir | 122.52 | 120.28 | 2.24 | 98.2% |
| Puducherry | 14.81 | 13.20 | 1.61 | 89.1% |
| Chhattisgarh | 3,713.87 | 3,712.43 | 1.44 | 100.0% |
| Meghalaya | 24.30 | 24.08 | 0.21 | 99.1% |
| Manipur | 6.91 | 6.74 | 0.16 | 97.5% |
| Tripura | 9.79 | 9.67 | 0.11 | 98.8% |
| Sikkim | 0.04 | 0.03 | 0.01 | 75.0% |
| Andaman and Nicobar Islands | 0.06 | 0.05 | 0.00 | 83.3% |
| Goa | 0.01 | 0.01 | 0.00 | 100.0% |
| All 23 | 1,00,085.33 | 95,977.80 | 4,107.47 | 95.9% |
How we did this
- Source: the Ministry of Agriculture and Farmers Welfare’s answer to Lok Sabha Unstarred Question 662, answered on 3 February 2026, Annexure-I (PMFBY and RWBCIS, Kharif and Rabi combined here).
- Adds up: in every state, claims reported equal claims paid plus pending, and each column sums to the printed total within Rs 2 lakh of rounding.
- Download the data: pmfby-claims-2020-21-to-2024-25.csv. Our method and labels are on the Data Audit method page.
Questions
What do reported, paid and pending claims mean here?
They are the ministry's own categories in its report on the National Crop Insurance Portal: claims reported for a season, the part paid to farmers, and the part still pending on the date of the report, 31 December 2025.
Why do crop insurance claims stay pending?
The ministry told Parliament that complaints about claims have been mainly due to delays in the state government's share of the premium subsidy, late or incorrect insurance proposals from banks, and disputes over yield data between state governments and insurance companies. It did not say which reasons apply in which state.
Is a farmer owed anything for late payment?
The ministry says a 12 per cent penalty on delayed payment of claims by an insurance company is calculated automatically on the National Crop Insurance Portal.
Where does the data come from?
From the Ministry of Agriculture and Farmers Welfare's answer to Lok Sabha Unstarred Question 662, answered on 3 February 2026, with figures as on 31 December 2025.
Corrections
No corrections so far. If any figure here is wrong, send the correcting document to editor@oquilia.com and we will correct it and record the change on this page.