समाचार में क्यों
- The Ministry of Agriculture reviewed ten years of PMFBY implementation since its launch in Kharif 2016 and highlighted technology-driven claim settlements.
मुख्य शब्द
YES-TECH
A technology-driven crop yield estimation system integrating remote sensing and satellite data under PMFBY.
WINDS Portal
A centralized platform for hyper-local weather data collection from automated weather stations to support agricultural insurance.
What is the Pradhan Mantri Fasal Bima Yojana?
- Launched on 18 February 2016 under the Ministry of Agriculture and Farmers Welfare to replace earlier crop insurance schemes like NAIS and MNAIS.
- Provides comprehensive yield and crop loss insurance covering pre-sowing risks, mid-season adversity, localized calamities, and post-harvest losses from natural risks.
- Enforces uniform maximum premium rates for farmers: 2% for Kharif crops, 1.5% for Rabi crops, and 5% for annual commercial/horticultural crops, with remaining premium subsidized equally by Central and State governments.
Key Technological Integrations
- Yield Estimation System based on Technology (YES-TECH): Utilizes satellite imagery, remote sensing, and drone data to streamline Crop Cutting Experiments (CCEs) and enable faster claim settlements.
- Weather Information Network and Data System (WINDS): Establishes a hyper-local network of automatic weather stations (AWS) and rain gauges to improve localized weather data collection for actuarial pricing and risk assessment.
Why it matters
- Reduces delay in crop loss assessment and eliminates discretionary claim disputes between farmers and insurance companies.
- Stabilizes farm incomes against climate shocks and unseasonal weather, supporting continuity in credit cycles for agricultural production.
प्रीलिम्स तथ्य
- PMFBY premium rates are 2% for Kharif, 1.5% for Rabi, and 5% for commercial/horticultural crops.
- YES-TECH and WINDS portals are official digital tools used for yield and weather data under PMFBY.
मेंस चर्चा
- Evaluate the role of technology integration in overcoming delayed claim settlements in agricultural insurance.
स्रोत: PIB English
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