The farmers of Karnataka have received a big relief from the government. As part of the Pradhan Mantri Fasal Bima Yojana (PMFBY) and the Revised Weather Based Crop Insurance Scheme (RWBCIS), compensation worth ₹81.36 crore has been deposited into the bank accounts of 80,191 farmers who suffered agricultural losses during the Mungaru (Monsoon) 2023-24 season.
This transfer has been done through the Direct Benefit Transfer (DBT) system, ensuring transparency, speed, and eliminating middlemen. In total, across Karnataka, more than ₹1,248.55 crore has already been released to support 5.58 lakh farmers who reported crop losses in different districts.
Why Crop Insurance is Important
Farming in India is largely dependent on weather conditions. In Karnataka, the Mungaru rains often determine whether the season is a success or failure for lakhs of farmers. Unfortunately, unseasonal rains, drought, pest attacks, and diseases have a severe impact on crop yields.
To address this, the Government of India introduced the PMFBY in 2016, and Karnataka has also implemented the RWBCIS. These schemes protect farmers against unexpected crop loss, reduce the risk of financial distress, and ensure that farmers can continue cultivation in the next season without falling into debt traps.
The main objectives of these crop insurance schemes are:
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To provide financial assistance when farmers suffer crop loss due to natural calamities.
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To ensure farmers are not forced to take high-interest private loans.
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To stabilize farm income and make agriculture a sustainable livelihood.
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To encourage farmers to adopt modern farming techniques without fearing complete loss.
Highlights of the Compensation Release
Here are the key details of the latest crop insurance payout in Karnataka:
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Scheme Name: PMFBY & RWBCIS
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Total Compensation Released: ₹81.36 crore
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Beneficiaries: 80,191 farmers (Uttara Kannada district)
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Total Statewide Relief: ₹1,248.55 crore released to 5.58 lakh farmers across Karnataka
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Transfer Mode: Direct Benefit Transfer (DBT) to Aadhaar-linked bank accounts
This ensures farmers receive their rightful compensation directly without delays or corruption.
How Farmers Can Check Their Crop Insurance Status
The Karnataka government has made it easy for farmers to check whether their insurance compensation has been credited. Farmers can use their mobile phone or computer to verify payment status.
Steps to check crop insurance money online:
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Visit the Samrakshane portal: www.samrakshane.karnataka.gov.in
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Select the option “Check Status”.
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Enter your mobile number or application number.
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Select the year and season (Mungaru/Kharif).
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View the details of the insurance compensation credited to your account.
This online facility provides transparency and saves farmers from visiting government offices repeatedly.
Crops Covered Under the Insurance Scheme
The PMFBY and RWBCIS provide insurance for most major food crops. Farmers growing the following crops are eligible for coverage:
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Paddy (Rice)
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Ragi (Finger Millet)
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Jowar (Sorghum)
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Cotton
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Soybean
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Maize
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Pulses
However, certain crops like sugarcane, aloe vera, and other horticultural crops are not covered under this scheme. Farmers cultivating these crops may need to explore other government initiatives.
What If a Farmer Has Not Received Money?
Some farmers might not see the compensation credited immediately. If you haven’t received the insurance payout yet, here’s what you should do:
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Visit your local agriculture/horticulture department office and verify application details.
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Contact your bank branch to confirm whether the DBT transfer is pending.
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Use the helpline numbers provided on the Samrakshane portal to raise complaints.
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If there is a technical error in the portal, report it immediately for correction.
This ensures that farmers do not miss out on the benefits due to minor errors or delays.
Benefits of the Crop Insurance Scheme for Farmers
The PMFBY and RWBCIS provide multiple benefits beyond financial compensation:
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Risk Coverage: Farmers are protected against crop loss due to floods, drought, pests, and unseasonal rains.
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Financial Security: Compensation helps farmers recover quickly without depending on private moneylenders.
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Encouragement to Continue Farming: Even after a bad season, farmers can reinvest in seeds, fertilizers, and equipment for the next crop cycle.
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Nationwide Implementation: The scheme is not just for Karnataka but is being implemented across India, ensuring nationwide support to farmers.
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Transparency through DBT: Money is directly deposited into Aadhaar-linked bank accounts, reducing corruption.
Objective of the Crop Insurance Scheme
The central and state governments launched these schemes with a clear objective:
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To reduce the vulnerability of farmers to natural disasters.
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To provide timely relief so that agriculture remains profitable.
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To support rural economy growth, since agriculture is the backbone of India’s economy.
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To empower small and marginal farmers, who are the most vulnerable to crop losses.
Government’s Commitment to Farmers
The release of ₹81.36 crore to 80,191 farmers in Uttara Kannada is just one example of how the government is supporting the farming community. Across Karnataka, the release of ₹1,248.55 crore to 5.58 lakh farmers highlights the seriousness of the administration in protecting rural livelihoods.
By using technology platforms like Samrakshane and DBT transfers, the government has made the process more transparent, farmer-friendly, and efficient.
The release of crop insurance compensation is a ray of hope for Karnataka’s farmers who suffered crop losses in the Mungaru season. With over ₹81.36 crore credited to 80,191 farmers in Uttara Kannada and more than ₹1,248 crore distributed statewide, the schemes are fulfilling their purpose of providing financial security and stability to farmers.
Farmers are encouraged to regularly check their insurance status on the Samrakshane portal, ensure their Aadhaar is linked to their bank account, and reach out to local agriculture offices in case of delays.
The PMFBY and RWBCIS are more than just financial schemes—they are lifelines for millions of farmers, ensuring that agriculture continues to remain the backbone of Karnataka’s economy.
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