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Paper Title
EXPANDING COVERAGE AND REDISTRIBUTION OF BENEFITS: AN ANALYSIS OF RISK PROTECTION EFFICIENCY (RPE) UNDER PMFBY
Authors
Dr. R. Govindasamy , Deepthi A
Keywords
Farmers, Risk Protection Ratio Benefit, Participation of farmers, Claim Settlement, Diminishing Marginal Returns, PMFBY Scheme
Abstract
Agriculture in India is highly vulnerable to climatic and production risks which makes crop insurance a crucial policy instrument for income stability of farmers. The Pradhan Mantri Fasal Bima Yojana (PMFBY), launched in 2016, aims in enhancing financial protection and expanding insurance coverage among farmers. This study analyses the performance of PMFBY using an indicator termed Risk Protection Efficiency (RPE), defined as the average benefit received per farmer. The study is completely based on secondary data for both Kharif and Rabi seasons from the official website of PMFBY during the year 2018 to 2025. The study examines trends in loanee farmer participation, benefit distribution and inter-state variations. The results indicate a significant increase in farmer enrolment over time, reflecting expansion of coverage. However, total benefits show fluctuations and RPE exhibits a declining trend in recent years. Seasonal analysis reveals relatively higher RPE in the Kharif season compared to Rabi, while state-level analysis highlights considerable variation in benefit distribution. The findings suggest that as participation expands, benefits are distributed across a larger number of farmers, resulting in lower average benefit per farmer. The study concludes that PMFBY reflects a shift from concentrated benefit distribution to broader coverage, consistent with the principle of diminishing marginal returns. It emphasizes the need for strengthening implementation mechanisms and ensuring proportional resource allocation to enhance the effectiveness of benefit delivery.
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IJCRT — journal style
"EXPANDING COVERAGE AND REDISTRIBUTION OF BENEFITS: AN ANALYSIS OF RISK PROTECTION EFFICIENCY (RPE) UNDER PMFBY", IJCRT - International Journal of Creative Research Thoughts (www.ijcrt.org), ISSN:2320-2882, Vol.14, Issue 4, page no.f610-f619, April 2026, Available :https://ijcrt.org/papers/IJCRT2604659.pdf
APA — 7th edition
Govindasamy, R., & A, D. (2026). EXPANDING COVERAGE AND REDISTRIBUTION OF BENEFITS: AN ANALYSIS OF RISK PROTECTION EFFICIENCY (RPE) UNDER PMFBY. International Journal of Creative Research Thoughts, 14(4), f610-f619. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2604659
MLA — 9th edition
Govindasamy, R., and Deepthi A. "EXPANDING COVERAGE AND REDISTRIBUTION OF BENEFITS: AN ANALYSIS OF RISK PROTECTION EFFICIENCY (RPE) UNDER PMFBY." International Journal of Creative Research Thoughts, vol. 14, no. 4, 2026, pp. f610-f619, https://ijcrt.org/viewpaperforall.php?paper=IJCRT2604659.
Chicago — 17th, bibliography
Govindasamy, R., and Deepthi A. "EXPANDING COVERAGE AND REDISTRIBUTION OF BENEFITS: AN ANALYSIS OF RISK PROTECTION EFFICIENCY (RPE) UNDER PMFBY." International Journal of Creative Research Thoughts 14, no. 4 (2026): f610-f619. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2604659.
Harvard — author–date
Govindasamy, R. and A, D. (2026) 'EXPANDING COVERAGE AND REDISTRIBUTION OF BENEFITS: AN ANALYSIS OF RISK PROTECTION EFFICIENCY (RPE) UNDER PMFBY', International Journal of Creative Research Thoughts, 14(4), pp. f610-f619. Available at: https://ijcrt.org/viewpaperforall.php?paper=IJCRT2604659
IEEE — numbered reference
R. Govindasamy and D. A, "EXPANDING COVERAGE AND REDISTRIBUTION OF BENEFITS: AN ANALYSIS OF RISK PROTECTION EFFICIENCY (RPE) UNDER PMFBY," IJCRT, vol. 14, no. 4, pp. f610-f619, Apr. 2026.
Vancouver — biomedical
Govindasamy R, A D. EXPANDING COVERAGE AND REDISTRIBUTION OF BENEFITS: AN ANALYSIS OF RISK PROTECTION EFFICIENCY (RPE) UNDER PMFBY. IJCRT. 2026 Apr;14(4):f610-f619.
AMA — 11th edition
Govindasamy R, A D. EXPANDING COVERAGE AND REDISTRIBUTION OF BENEFITS: AN ANALYSIS OF RISK PROTECTION EFFICIENCY (RPE) UNDER PMFBY. IJCRT. 2026;14(4):f610-f619. Accessed at https://ijcrt.org/viewpaperforall.php?paper=IJCRT2604659
BibTeX — Zotero, Mendeley, LaTeX
@article{IJCRT2604659,
author = {R. Govindasamy and Deepthi A},
title = {EXPANDING COVERAGE AND REDISTRIBUTION OF BENEFITS: AN ANALYSIS OF RISK PROTECTION EFFICIENCY (RPE) UNDER PMFBY},
journal = {International Journal of Creative Research Thoughts},
volume = {14},
number = {4},
pages = {f610-f619},
year = {2026},
month = {April},
issn = {2320-2882},
url = {https://ijcrt.org/viewpaperforall.php?paper=IJCRT2604659}
}
RIS — EndNote, RefWorks
TY - JOUR
AU - Govindasamy, R.
AU - A, Deepthi
TI - EXPANDING COVERAGE AND REDISTRIBUTION OF BENEFITS: AN ANALYSIS OF RISK PROTECTION EFFICIENCY (RPE) UNDER PMFBY
T2 - International Journal of Creative Research Thoughts
JA - IJCRT
VL - 14
IS - 4
PY - 2026
SN - 2320-2882
UR - https://ijcrt.org/viewpaperforall.php?paper=IJCRT2604659
SP - f610-f619
ER -
Issue
Volume 14 Issue 4,
April-2026
Pages : f610-f619
Article Information
- Pages
- f610-f619
- Published
- April 2026
- Registration ID
- IJCRT_305257
- Published Paper ID
- IJCRT2604659
- Research Area
- Arts1 All
- Author Type
- Indian Author
- Location
- Coimbatore, Tamilnadu, India
- Peer Review
- Request Peer Review Report
- Licence
- CC BY 4.0 · Open Access
- ISSN & Impact Factor
- 2320-2882 · IF 9.17
- Downloads
- 129
- Permanent Link
- https://ijcrt.org/viewpaperforall.php?paper=IJCRT2604659
- Published Paper PDF
- https://ijcrt.org/papers/IJCRT2604659.pdf
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