In 2016, "Pradhan Mantri Fasal Bima Yojana (PMFBY)" was launched by Govt. of India as an insurance…

Question

In 2016, "Pradhan Mantri Fasal Bima Yojana (PMFBY)" was launched by Govt. of India as an insurance services for farmers for their yield. Describe the role of space technology used in this scheme.

Ghissu Editorial · Accepted Answer

Space technology lets PMFBY monitor crops, detect damage and assess losses at the village level through ISRO satellites like RISAT and Cartosat, replacing slow, error-prone crop cutting surveys. YES-TECH, satellite-based yield estimation from Kharif 2023, speeds claims, and non-loanee applications rose from 20 lakh (2014-15) to 522 lakh (2024-25).

**Introduction**

Launched in 2016, PMFBY integrates space technology to enhance crop insurance by enabling precise, timely crop loss assessment and risk management, crucial for diverse regions like ==Telangana== where rain-fed and irrigated agriculture coexist.

**How Space Technology Supports PMFBY**

1. **Reducing Manual Surveys**: Satellite data minimizes dependence on crop cutting experiments, improving transparency and efficiency in loss assessment while reducing delays and errors in claim processing.

**Specific Space-Based Tools**

1. **Geospatial Analytics**: Platforms like YES-TECH⟦1⟧ use satellite data for yield estimation and damage mapping at the Gram Panchayat level, expediting claims and ensuring localized loss assessment.

**Impact on PMFBY**

1. **Increased Coverage and Inclusion**: Farmer enrolment has risen significantly, with non-loanee farmers’ applications growing from 20 lakh (2014-15) to 522 lakh (2024-25), broadening scheme reach and ensuring credit flow beyond formal loan access.  
2. **Transparency and Fraud Reduction**: Objective satellite imagery reduces disputes and fraudulent claims, strengthening scheme credibility and financial viability.  
3. **Improved Agricultural Planning**: Space data supports policymakers and farmers in making informed decisions on crop diversification and irrigation, promoting sustainable agriculture in ==Telangana== and other regions.

**Way Forward**

1. **Expand Data Integration**: Enhance ISRO-agriculture collaboration in ==Telangana== for higher resolution and more frequent satellite monitoring to improve precision in crop loss assessment.  
2. **Capacity Building**: Train insurance companies, government officials, and farmers to effectively use space-based tools, ensuring better implementation and faster claim settlements.

**Conclusion**

Space technology is central to PMFBY’s effectiveness, ensuring accurate, timely insurance that stabilizes farmer incomes, reduces distress, and supports sustainable agricultural growth.

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