An Empirical Study On PMFBY Enrolment Issues Among Small-Land Holding Farmers With Special Reference To Mysuru District

Ajay M; SHIVAKUMAR H N; Rajeshwari M; Mamatha S

doi:10.71097/IJSAT.v16.i3.6851

An Empirical Study On PMFBY Enrolment Issues Among Small-Land Holding Farmers With Special Reference To Mysuru District

Author(s)	Mr. Ajay M, Mr. SHIVAKUMAR H N, Ms. Rajeshwari M, Mr. Mamatha S
Country	India
Abstract	This study investigates the barriers to enrollment in the Pradhan Mantri Fasal Bima Yojana (PMFBY) among small land holding farmers in Mysuru District, Karnataka. PMFBY, introduced by the Government of India in 2016, aims to provide financial protection to farmers against crop losses due to natural calamities. However, despite its potential benefits, the enrollment rate among small and marginal farmers remains low. This research adopts a mixed-methods approach to explore key constraints related to awareness, affordability, and administrative challenges. Primary data were collected through structured questionnaires from 120 small land holding farmers across different taluks in Mysuru, complemented by interviews with agricultural officers and insurance representatives. The findings reveal that a majority of the farmers lack adequate awareness about the scheme's objectives, benefits, and enrollment procedures. Premium affordability, especially for marginal farmers, and complex documentation requirements act as significant deterrents. In addition, delayed claim settlements and lack of trust in insurance agencies further discourage participation. Many farmers also face challenges related to digital literacy and access to formal banking facilities, which are essential for scheme registration and transactions. The study concludes that for PMFBY to achieve its intended impact, efforts must be made to enhance awareness through local outreach programs, simplify administrative processes, introduce flexible premium options, and improve transparency in claim settlements. These steps are essential to increase enrollment and ensure the scheme truly benefits the vulnerable smallholder farming community in Mysuru District.
Keywords	Crop Insurance, Small land holding Farmers, PMFBY Enrollment, Administrative Barriers
Field	Business Administration
Published In	Volume 16, Issue 3, July-September 2025
Published On	2025-07-08
DOI	https://doi.org/10.71097/IJSAT.v16.i3.6851
Short DOI	https://doi.org/g9sx6d

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An Empirical Study On PMFBY Enrolment Issues Among Small-Land Holding Farmers With Special Reference To Mysuru District

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