Constraint Analysis of Pradhan Mantri Fasal Bima Yojana in Tumkur District of Karnataka

The Pradhan Mantri Fasal Bima Yojana was implemented to protect the farmers from crop loss due to unforeseen events and to reduce the burden of financial risk of farmers. Even though this crop insurance programme was found to be farmer friendly, rural people still feel difficulties in understanding and accepting it. Therefore, this problem analysis has become an important thrust area of extension research in the present context. The problem analysis would help to lubricate the process of diffusion of new insurance schemes among farmers. In this context, the study was undertaken in Tumkur district of Karnataka to analyse the constraints faced by the beneficiaries of Pradhan Mantri Fasal Bima Yojana. 120 respondents were selected by using the proportionate random sampling technique. Sixteen independent variables were selected based on judges' relevancy rating and were quantified using appropriate measurement devices. The data were collected using a pretested structured interview schedule and statistical tools Garret ranking techniques, mean and SD were used to analyze the data. Delay in getting claims (Rank I), inadequate compensation (Rank II), official bias in loss assessment (Rank III) and complex procedure (Rank IV) were the major problems experienced by beneficiaries. Problem with the time shortage and to pay the premium (Rank I), lack of awareness (Rank II) and not submission of required documents (Rank III) were the consequences for not getting benefits by non-beneficiaries. Claim should be dispersed before starting of the next season (Rank I), creation of separate cell at Block / Taluk level (Rank II), greater number of trainings need to be organized on the scheme (Rank III) and village level provision of insurance facilities (Rank IV) were the important recommendations given for the implementation of Pradhan Mantri Fasal Bima Yojana for the benefit of needy farmers. Delay in getting claims and inadequate compensation problems should be taken into consideration by the concerned development department officials of state government and insurance companies. So, that the early settlement of claims and adequate compensation is given to them. Educate farmers through online platforms, simplifying procedure of the registration process and claim settlement. Further, creation of separate PMFBY cell at village and block level, more advertisement on the scheme in mass media helps to reap the benefits by all the farmers.