Year: 2025 | Month: December | Volume 70 | Issue 4
Adoption Dynamics and Barriers of Pradhan Mantri Fasal Bima Yojana (PMFBY): Insights of Coastal and Inland Regions of Odisha
Rishita Sen
Sarba Narayan Mishra and Ankhila R.H
DOI:10.46852/0424-2513.4.2025.4
Abstract:
Effective agricultural risk management is essential to safeguard the livelihoods of farmers against climate variability and market uncertainties. Given the ongoing pressures from climate change and economic challenges, protecting farmers from yield losses is increasingly important. The study examines the growth of Pradhan Mantri Fasal Bima Yojana (PMFBY) in Odisha, identifying key adoption drivers and barriers that farmers face in participating. Primary data were gathered from 140 adopters and 60 non-adopters
in two purposively selected districts in Odisha, which was analyzed using Compound Annual Growth Rate (CAGR), Cuddy Della Valle Index (CDVI), Logit regression, and Garrett’s ranking technique. Farmer enrollment under PMFBY has shown steady growth during the Kharif season (15.53%) but was relatively low in the Rabi season (0.12%). The number of beneficiaries rose significantly in both Kharif (53.27%) and Rabi (57.56%) seasons, though with high variability. However, claim payouts demonstrated a negative
growth rate and high instability across both seasons. Factors such as education and awareness about crop insurance were significant in influencing adoption, with access to credit and social networks further encouraging uptake. Common issues faced by both adopters and non-adopters included the absence of local grievance mechanisms, delays in Crop Cutting Experiments (CCE), late insurance settlements, lack of transparency, and incomplete documentation in the cultivator’s name. Enhancing farmer awareness through extension services, social media, and other communication platforms, alongside tailoring insurance units to individual farms, could improve risk coverage and strengthen the scheme’s impact.
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