Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 73
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
$message = 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 74
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
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    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ee3c23d13ef-trace').style.display = (document.getElementById('cakeErr67ee3c23d13ef-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67ee3c23d13ef-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ee3c23d13ef-code').style.display = (document.getElementById('cakeErr67ee3c23d13ef-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ee3c23d13ef-context').style.display = (document.getElementById('cakeErr67ee3c23d13ef-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67ee3c23d13ef-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
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		&#039;title&#039; =&gt; &#039;India’s facade of agricultural insurance -Shagun, Priya Ranjan Sahu, Rakesh Kumar Malviya, Shuchita Jha and M Raghuram&#039;,
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		&#039;description&#039; =&gt; &#039;&lt;p style=&quot;text-align:justify&quot;&gt;-Down to Earth&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Since its launch in 2016, India&amp;rsquo;s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered&lt;/em&gt;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Even if a single farmer&amp;rsquo;s crop is damaged in a village he will get the benefits of insurance&lt;/em&gt;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&amp;nbsp;- Prime Minister Narendra Modi had said while launching the government&amp;rsquo;s flagship Pradhan Mantri Fasal Bima Yojana (PMFBY) from Madhya Pradesh in 2016.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The words, however, mean nothing to the farmers of the state&amp;rsquo;s Harda district whose standing crops got destroyed by a severe hailstorm on January 9, 2021.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The state&amp;rsquo;s agriculture minister Kamal Patel, who belongs to Harda constituency, reached the district on January 10 to survey the crop loss. Chief Minister Shivraj Singh Chouhan also directed officials to ensure that the damage survey is done effectively and every report be read out in front of the farmers in the panchayat.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;But Mahesh Jageshwar Ramkuche, a small farmer from Pantalai village, has no hopes of compensation though he has lost the entire chana (chickpea) crop on his 1.27 ha farm. In 2019, when his soybean crop got destroyed due to heavy rains, Ramkuche received only Rs 2 in the name of insurance claim.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&amp;ldquo;A similar survey was conducted at that time for assessing crop loss,&amp;rdquo; he says, adding that he has regularly paid the premium for PMFBY for the past six years. Though Ramkuche does not remember the exact premium amount, he says Rs 10,000-12,000 gets deducted from his Kisan Credit Card (KCC) account every year towards PMFBY premium and for the interest on agricultural loan he has taken from the bank.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The scheme was initially compulsory for loanee farmers but has been made voluntary for all since 2020. It insures farmers against all non-preventable natural risks from pre-sowing to post-harvest. It is a yield index-based scheme and mainly implemented on area approach basis.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Claims are worked out on the basis of shortfall in actual yield vis-&amp;agrave;-vis the threshold yield in the notified area. The premium is, however, determined through bidding.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Farmers have to pay a maximum 2 per cent of the total premium of the insured amount for kharif and 1.5 per cent for rabi food crops and oilseed and 5 per cent for commercial/horticultural crops. The balance of actuarial/bidded premium is shared by the Union and state governments on 50:50 basis, and on 90:10 basis in case of northeastern states.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;At the start of each season, the state government notifies the threshold yield of individual crops in each insurance unit, calculated based on the average yield of past seven years. The notification also mention the sum insured for individual crops in insurance units.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550&quot;&gt;click here&lt;/a&gt; to read more.&amp;nbsp;&lt;/p&gt;
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&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Even if a single farmer&amp;rsquo;s crop is damaged in a village he will get the benefits of insurance&lt;/em&gt;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&amp;nbsp;- Prime Minister Narendra Modi had said while launching the government&amp;rsquo;s flagship Pradhan Mantri Fasal Bima Yojana (PMFBY) from Madhya Pradesh in 2016.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The words, however, mean nothing to the farmers of the state&amp;rsquo;s Harda district whose standing crops got destroyed by a severe hailstorm on January 9, 2021.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The state&amp;rsquo;s agriculture minister Kamal Patel, who belongs to Harda constituency, reached the district on January 10 to survey the crop loss. Chief Minister Shivraj Singh Chouhan also directed officials to ensure that the damage survey is done effectively and every report be read out in front of the farmers in the panchayat.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;But Mahesh Jageshwar Ramkuche, a small farmer from Pantalai village, has no hopes of compensation though he has lost the entire chana (chickpea) crop on his 1.27 ha farm. In 2019, when his soybean crop got destroyed due to heavy rains, Ramkuche received only Rs 2 in the name of insurance claim.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&amp;ldquo;A similar survey was conducted at that time for assessing crop loss,&amp;rdquo; he says, adding that he has regularly paid the premium for PMFBY for the past six years. Though Ramkuche does not remember the exact premium amount, he says Rs 10,000-12,000 gets deducted from his Kisan Credit Card (KCC) account every year towards PMFBY premium and for the interest on agricultural loan he has taken from the bank.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The scheme was initially compulsory for loanee farmers but has been made voluntary for all since 2020. It insures farmers against all non-preventable natural risks from pre-sowing to post-harvest. It is a yield index-based scheme and mainly implemented on area approach basis.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Claims are worked out on the basis of shortfall in actual yield vis-&amp;agrave;-vis the threshold yield in the notified area. The premium is, however, determined through bidding.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Farmers have to pay a maximum 2 per cent of the total premium of the insured amount for kharif and 1.5 per cent for rabi food crops and oilseed and 5 per cent for commercial/horticultural crops. The balance of actuarial/bidded premium is shared by the Union and state governments on 50:50 basis, and on 90:10 basis in case of northeastern states.&lt;/p&gt;

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&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550&quot;&gt;click here&lt;/a&gt; to read more.&amp;nbsp;&lt;/p&gt;
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Since its launch in 2016, India&amp;rsquo;s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered

Even if a single farmer&amp;rsquo;s crop is damaged in a village he will get the benefits of...&#039;
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                <strong>India’s facade of agricultural insurance -Shagun, Priya Ranjan Sahu, Rakesh Kumar Malviya, Shuchita Jha and M Raghuram</strong></h1>
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                <p style="text-align:justify">-Down to Earth</p><p style="text-align:justify"><em>Since its launch in 2016, India&rsquo;s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered</em></p><p style="text-align:justify"><em>Even if a single farmer&rsquo;s crop is damaged in a village he will get the benefits of insurance</em></p><p style="text-align:justify">&nbsp;- Prime Minister Narendra Modi had said while launching the government&rsquo;s flagship Pradhan Mantri Fasal Bima Yojana (PMFBY) from Madhya Pradesh in 2016.</p><p style="text-align:justify">The words, however, mean nothing to the farmers of the state&rsquo;s Harda district whose standing crops got destroyed by a severe hailstorm on January 9, 2021.</p><p style="text-align:justify">The state&rsquo;s agriculture minister Kamal Patel, who belongs to Harda constituency, reached the district on January 10 to survey the crop loss. Chief Minister Shivraj Singh Chouhan also directed officials to ensure that the damage survey is done effectively and every report be read out in front of the farmers in the panchayat.</p><p style="text-align:justify">But Mahesh Jageshwar Ramkuche, a small farmer from Pantalai village, has no hopes of compensation though he has lost the entire chana (chickpea) crop on his 1.27 ha farm. In 2019, when his soybean crop got destroyed due to heavy rains, Ramkuche received only Rs 2 in the name of insurance claim.</p><p style="text-align:justify">&ldquo;A similar survey was conducted at that time for assessing crop loss,&rdquo; he says, adding that he has regularly paid the premium for PMFBY for the past six years. Though Ramkuche does not remember the exact premium amount, he says Rs 10,000-12,000 gets deducted from his Kisan Credit Card (KCC) account every year towards PMFBY premium and for the interest on agricultural loan he has taken from the bank.</p><p style="text-align:justify">The scheme was initially compulsory for loanee farmers but has been made voluntary for all since 2020. It insures farmers against all non-preventable natural risks from pre-sowing to post-harvest. It is a yield index-based scheme and mainly implemented on area approach basis.</p><p style="text-align:justify">Claims are worked out on the basis of shortfall in actual yield vis-&agrave;-vis the threshold yield in the notified area. The premium is, however, determined through bidding.</p><p style="text-align:justify">Farmers have to pay a maximum 2 per cent of the total premium of the insured amount for kharif and 1.5 per cent for rabi food crops and oilseed and 5 per cent for commercial/horticultural crops. The balance of actuarial/bidded premium is shared by the Union and state governments on 50:50 basis, and on 90:10 basis in case of northeastern states.</p><p style="text-align:justify">At the start of each season, the state government notifies the threshold yield of individual crops in each insurance unit, calculated based on the average yield of past seven years. The notification also mention the sum insured for individual crops in insurance units.</p><p style="text-align:justify">Please <a href="https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550" title="https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550">click here</a> to read more.&nbsp;</p>               </font>
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&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Since its launch in 2016, India&amp;rsquo;s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered&lt;/em&gt;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Even if a single farmer&amp;rsquo;s crop is damaged in a village he will get the benefits of insurance&lt;/em&gt;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&amp;nbsp;- Prime Minister Narendra Modi had said while launching the government&amp;rsquo;s flagship Pradhan Mantri Fasal Bima Yojana (PMFBY) from Madhya Pradesh in 2016.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The words, however, mean nothing to the farmers of the state&amp;rsquo;s Harda district whose standing crops got destroyed by a severe hailstorm on January 9, 2021.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The state&amp;rsquo;s agriculture minister Kamal Patel, who belongs to Harda constituency, reached the district on January 10 to survey the crop loss. Chief Minister Shivraj Singh Chouhan also directed officials to ensure that the damage survey is done effectively and every report be read out in front of the farmers in the panchayat.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;But Mahesh Jageshwar Ramkuche, a small farmer from Pantalai village, has no hopes of compensation though he has lost the entire chana (chickpea) crop on his 1.27 ha farm. In 2019, when his soybean crop got destroyed due to heavy rains, Ramkuche received only Rs 2 in the name of insurance claim.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&amp;ldquo;A similar survey was conducted at that time for assessing crop loss,&amp;rdquo; he says, adding that he has regularly paid the premium for PMFBY for the past six years. Though Ramkuche does not remember the exact premium amount, he says Rs 10,000-12,000 gets deducted from his Kisan Credit Card (KCC) account every year towards PMFBY premium and for the interest on agricultural loan he has taken from the bank.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The scheme was initially compulsory for loanee farmers but has been made voluntary for all since 2020. It insures farmers against all non-preventable natural risks from pre-sowing to post-harvest. It is a yield index-based scheme and mainly implemented on area approach basis.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Claims are worked out on the basis of shortfall in actual yield vis-&amp;agrave;-vis the threshold yield in the notified area. The premium is, however, determined through bidding.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Farmers have to pay a maximum 2 per cent of the total premium of the insured amount for kharif and 1.5 per cent for rabi food crops and oilseed and 5 per cent for commercial/horticultural crops. The balance of actuarial/bidded premium is shared by the Union and state governments on 50:50 basis, and on 90:10 basis in case of northeastern states.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;At the start of each season, the state government notifies the threshold yield of individual crops in each insurance unit, calculated based on the average yield of past seven years. The notification also mention the sum insured for individual crops in insurance units.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550&quot;&gt;click here&lt;/a&gt; to read more.&amp;nbsp;&lt;/p&gt;
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Since its launch in 2016, India&amp;rsquo;s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered

Even if a single farmer&amp;rsquo;s crop is damaged in a village he will get the benefits of...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;p style=&quot;text-align:justify&quot;&gt;-Down to Earth&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Since its launch in 2016, India&amp;rsquo;s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered&lt;/em&gt;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Even if a single farmer&amp;rsquo;s crop is damaged in a village he will get the benefits of insurance&lt;/em&gt;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;&amp;nbsp;- Prime Minister Narendra Modi had said while launching the government&amp;rsquo;s flagship Pradhan Mantri Fasal Bima Yojana (PMFBY) from Madhya Pradesh in 2016.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;The words, however, mean nothing to the farmers of the state&amp;rsquo;s Harda district whose standing crops got destroyed by a severe hailstorm on January 9, 2021.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;The state&amp;rsquo;s agriculture minister Kamal Patel, who belongs to Harda constituency, reached the district on January 10 to survey the crop loss. Chief Minister Shivraj Singh Chouhan also directed officials to ensure that the damage survey is done effectively and every report be read out in front of the farmers in the panchayat.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;But Mahesh Jageshwar Ramkuche, a small farmer from Pantalai village, has no hopes of compensation though he has lost the entire chana (chickpea) crop on his 1.27 ha farm. In 2019, when his soybean crop got destroyed due to heavy rains, Ramkuche received only Rs 2 in the name of insurance claim.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;&amp;ldquo;A similar survey was conducted at that time for assessing crop loss,&amp;rdquo; he says, adding that he has regularly paid the premium for PMFBY for the past six years. Though Ramkuche does not remember the exact premium amount, he says Rs 10,000-12,000 gets deducted from his Kisan Credit Card (KCC) account every year towards PMFBY premium and for the interest on agricultural loan he has taken from the bank.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;The scheme was initially compulsory for loanee farmers but has been made voluntary for all since 2020. It insures farmers against all non-preventable natural risks from pre-sowing to post-harvest. It is a yield index-based scheme and mainly implemented on area approach basis.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Claims are worked out on the basis of shortfall in actual yield vis-&amp;agrave;-vis the threshold yield in the notified area. The premium is, however, determined through bidding.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Farmers have to pay a maximum 2 per cent of the total premium of the insured amount for kharif and 1.5 per cent for rabi food crops and oilseed and 5 per cent for commercial/horticultural crops. The balance of actuarial/bidded premium is shared by the Union and state governments on 50:50 basis, and on 90:10 basis in case of northeastern states.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;At the start of each season, the state government notifies the threshold yield of individual crops in each insurance unit, calculated based on the average yield of past seven years. The notification also mention the sum insured for individual crops in insurance units.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550&quot; title=&quot;https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550&quot;&gt;click here&lt;/a&gt; to read more.&amp;nbsp;&lt;/p&gt;&#039;,
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	&#039;title&#039; =&gt; &#039;India’s facade of agricultural insurance -Shagun, Priya Ranjan Sahu, Rakesh Kumar Malviya, Shuchita Jha and M Raghuram&#039;,
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&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Since its launch in 2016, India&amp;rsquo;s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered&lt;/em&gt;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Even if a single farmer&amp;rsquo;s crop is damaged in a village he will get the benefits of insurance&lt;/em&gt;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&amp;nbsp;- Prime Minister Narendra Modi had said while launching the government&amp;rsquo;s flagship Pradhan Mantri Fasal Bima Yojana (PMFBY) from Madhya Pradesh in 2016.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The words, however, mean nothing to the farmers of the state&amp;rsquo;s Harda district whose standing crops got destroyed by a severe hailstorm on January 9, 2021.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The state&amp;rsquo;s agriculture minister Kamal Patel, who belongs to Harda constituency, reached the district on January 10 to survey the crop loss. Chief Minister Shivraj Singh Chouhan also directed officials to ensure that the damage survey is done effectively and every report be read out in front of the farmers in the panchayat.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;But Mahesh Jageshwar Ramkuche, a small farmer from Pantalai village, has no hopes of compensation though he has lost the entire chana (chickpea) crop on his 1.27 ha farm. In 2019, when his soybean crop got destroyed due to heavy rains, Ramkuche received only Rs 2 in the name of insurance claim.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&amp;ldquo;A similar survey was conducted at that time for assessing crop loss,&amp;rdquo; he says, adding that he has regularly paid the premium for PMFBY for the past six years. Though Ramkuche does not remember the exact premium amount, he says Rs 10,000-12,000 gets deducted from his Kisan Credit Card (KCC) account every year towards PMFBY premium and for the interest on agricultural loan he has taken from the bank.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The scheme was initially compulsory for loanee farmers but has been made voluntary for all since 2020. It insures farmers against all non-preventable natural risks from pre-sowing to post-harvest. It is a yield index-based scheme and mainly implemented on area approach basis.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Claims are worked out on the basis of shortfall in actual yield vis-&amp;agrave;-vis the threshold yield in the notified area. The premium is, however, determined through bidding.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Farmers have to pay a maximum 2 per cent of the total premium of the insured amount for kharif and 1.5 per cent for rabi food crops and oilseed and 5 per cent for commercial/horticultural crops. The balance of actuarial/bidded premium is shared by the Union and state governments on 50:50 basis, and on 90:10 basis in case of northeastern states.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;At the start of each season, the state government notifies the threshold yield of individual crops in each insurance unit, calculated based on the average yield of past seven years. The notification also mention the sum insured for individual crops in insurance units.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550&quot;&gt;click here&lt;/a&gt; to read more.&amp;nbsp;&lt;/p&gt;
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Since its launch in 2016, India&amp;rsquo;s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered

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$disp = &#039;&lt;p style=&quot;text-align:justify&quot;&gt;-Down to Earth&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Since its launch in 2016, India&amp;rsquo;s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered&lt;/em&gt;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Even if a single farmer&amp;rsquo;s crop is damaged in a village he will get the benefits of insurance&lt;/em&gt;&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;&amp;nbsp;- Prime Minister Narendra Modi had said while launching the government&amp;rsquo;s flagship Pradhan Mantri Fasal Bima Yojana (PMFBY) from Madhya Pradesh in 2016.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;The words, however, mean nothing to the farmers of the state&amp;rsquo;s Harda district whose standing crops got destroyed by a severe hailstorm on January 9, 2021.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;The state&amp;rsquo;s agriculture minister Kamal Patel, who belongs to Harda constituency, reached the district on January 10 to survey the crop loss. Chief Minister Shivraj Singh Chouhan also directed officials to ensure that the damage survey is done effectively and every report be read out in front of the farmers in the panchayat.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;But Mahesh Jageshwar Ramkuche, a small farmer from Pantalai village, has no hopes of compensation though he has lost the entire chana (chickpea) crop on his 1.27 ha farm. In 2019, when his soybean crop got destroyed due to heavy rains, Ramkuche received only Rs 2 in the name of insurance claim.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;&amp;ldquo;A similar survey was conducted at that time for assessing crop loss,&amp;rdquo; he says, adding that he has regularly paid the premium for PMFBY for the past six years. Though Ramkuche does not remember the exact premium amount, he says Rs 10,000-12,000 gets deducted from his Kisan Credit Card (KCC) account every year towards PMFBY premium and for the interest on agricultural loan he has taken from the bank.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;The scheme was initially compulsory for loanee farmers but has been made voluntary for all since 2020. It insures farmers against all non-preventable natural risks from pre-sowing to post-harvest. It is a yield index-based scheme and mainly implemented on area approach basis.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Claims are worked out on the basis of shortfall in actual yield vis-&amp;agrave;-vis the threshold yield in the notified area. The premium is, however, determined through bidding.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Farmers have to pay a maximum 2 per cent of the total premium of the insured amount for kharif and 1.5 per cent for rabi food crops and oilseed and 5 per cent for commercial/horticultural crops. The balance of actuarial/bidded premium is shared by the Union and state governments on 50:50 basis, and on 90:10 basis in case of northeastern states.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;At the start of each season, the state government notifies the threshold yield of individual crops in each insurance unit, calculated based on the average yield of past seven years. The notification also mention the sum insured for individual crops in insurance units.&lt;/p&gt;&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550&quot; title=&quot;https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550&quot;&gt;click here&lt;/a&gt; to read more.&amp;nbsp;&lt;/p&gt;&#039;
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Since its launch in 2016, India&rsquo;s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered

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                <strong>India’s facade of agricultural insurance -Shagun, Priya Ranjan Sahu, Rakesh Kumar Malviya, Shuchita Jha and M Raghuram</strong></h1>
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                <p style="text-align:justify">-Down to Earth</p><p style="text-align:justify"><em>Since its launch in 2016, India&rsquo;s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered</em></p><p style="text-align:justify"><em>Even if a single farmer&rsquo;s crop is damaged in a village he will get the benefits of insurance</em></p><p style="text-align:justify">&nbsp;- Prime Minister Narendra Modi had said while launching the government&rsquo;s flagship Pradhan Mantri Fasal Bima Yojana (PMFBY) from Madhya Pradesh in 2016.</p><p style="text-align:justify">The words, however, mean nothing to the farmers of the state&rsquo;s Harda district whose standing crops got destroyed by a severe hailstorm on January 9, 2021.</p><p style="text-align:justify">The state&rsquo;s agriculture minister Kamal Patel, who belongs to Harda constituency, reached the district on January 10 to survey the crop loss. Chief Minister Shivraj Singh Chouhan also directed officials to ensure that the damage survey is done effectively and every report be read out in front of the farmers in the panchayat.</p><p style="text-align:justify">But Mahesh Jageshwar Ramkuche, a small farmer from Pantalai village, has no hopes of compensation though he has lost the entire chana (chickpea) crop on his 1.27 ha farm. In 2019, when his soybean crop got destroyed due to heavy rains, Ramkuche received only Rs 2 in the name of insurance claim.</p><p style="text-align:justify">&ldquo;A similar survey was conducted at that time for assessing crop loss,&rdquo; he says, adding that he has regularly paid the premium for PMFBY for the past six years. Though Ramkuche does not remember the exact premium amount, he says Rs 10,000-12,000 gets deducted from his Kisan Credit Card (KCC) account every year towards PMFBY premium and for the interest on agricultural loan he has taken from the bank.</p><p style="text-align:justify">The scheme was initially compulsory for loanee farmers but has been made voluntary for all since 2020. It insures farmers against all non-preventable natural risks from pre-sowing to post-harvest. It is a yield index-based scheme and mainly implemented on area approach basis.</p><p style="text-align:justify">Claims are worked out on the basis of shortfall in actual yield vis-&agrave;-vis the threshold yield in the notified area. The premium is, however, determined through bidding.</p><p style="text-align:justify">Farmers have to pay a maximum 2 per cent of the total premium of the insured amount for kharif and 1.5 per cent for rabi food crops and oilseed and 5 per cent for commercial/horticultural crops. The balance of actuarial/bidded premium is shared by the Union and state governments on 50:50 basis, and on 90:10 basis in case of northeastern states.</p><p style="text-align:justify">At the start of each season, the state government notifies the threshold yield of individual crops in each insurance unit, calculated based on the average yield of past seven years. The notification also mention the sum insured for individual crops in insurance units.</p><p style="text-align:justify">Please <a href="https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550" title="https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550">click here</a> to read more.&nbsp;</p>               </font>
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		&#039;title&#039; =&gt; &#039;India’s facade of agricultural insurance -Shagun, Priya Ranjan Sahu, Rakesh Kumar Malviya, Shuchita Jha and M Raghuram&#039;,
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&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Since its launch in 2016, India&amp;rsquo;s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered&lt;/em&gt;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Even if a single farmer&amp;rsquo;s crop is damaged in a village he will get the benefits of insurance&lt;/em&gt;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&amp;nbsp;- Prime Minister Narendra Modi had said while launching the government&amp;rsquo;s flagship Pradhan Mantri Fasal Bima Yojana (PMFBY) from Madhya Pradesh in 2016.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The words, however, mean nothing to the farmers of the state&amp;rsquo;s Harda district whose standing crops got destroyed by a severe hailstorm on January 9, 2021.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The state&amp;rsquo;s agriculture minister Kamal Patel, who belongs to Harda constituency, reached the district on January 10 to survey the crop loss. Chief Minister Shivraj Singh Chouhan also directed officials to ensure that the damage survey is done effectively and every report be read out in front of the farmers in the panchayat.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;But Mahesh Jageshwar Ramkuche, a small farmer from Pantalai village, has no hopes of compensation though he has lost the entire chana (chickpea) crop on his 1.27 ha farm. In 2019, when his soybean crop got destroyed due to heavy rains, Ramkuche received only Rs 2 in the name of insurance claim.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&amp;ldquo;A similar survey was conducted at that time for assessing crop loss,&amp;rdquo; he says, adding that he has regularly paid the premium for PMFBY for the past six years. Though Ramkuche does not remember the exact premium amount, he says Rs 10,000-12,000 gets deducted from his Kisan Credit Card (KCC) account every year towards PMFBY premium and for the interest on agricultural loan he has taken from the bank.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The scheme was initially compulsory for loanee farmers but has been made voluntary for all since 2020. It insures farmers against all non-preventable natural risks from pre-sowing to post-harvest. It is a yield index-based scheme and mainly implemented on area approach basis.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Claims are worked out on the basis of shortfall in actual yield vis-&amp;agrave;-vis the threshold yield in the notified area. The premium is, however, determined through bidding.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Farmers have to pay a maximum 2 per cent of the total premium of the insured amount for kharif and 1.5 per cent for rabi food crops and oilseed and 5 per cent for commercial/horticultural crops. The balance of actuarial/bidded premium is shared by the Union and state governments on 50:50 basis, and on 90:10 basis in case of northeastern states.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;At the start of each season, the state government notifies the threshold yield of individual crops in each insurance unit, calculated based on the average yield of past seven years. The notification also mention the sum insured for individual crops in insurance units.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550&quot;&gt;click here&lt;/a&gt; to read more.&amp;nbsp;&lt;/p&gt;
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&lt;p style=&quot;text-align:justify&quot;&gt;&lt;em&gt;Even if a single farmer&amp;rsquo;s crop is damaged in a village he will get the benefits of insurance&lt;/em&gt;&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&amp;nbsp;- Prime Minister Narendra Modi had said while launching the government&amp;rsquo;s flagship Pradhan Mantri Fasal Bima Yojana (PMFBY) from Madhya Pradesh in 2016.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The words, however, mean nothing to the farmers of the state&amp;rsquo;s Harda district whose standing crops got destroyed by a severe hailstorm on January 9, 2021.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The state&amp;rsquo;s agriculture minister Kamal Patel, who belongs to Harda constituency, reached the district on January 10 to survey the crop loss. Chief Minister Shivraj Singh Chouhan also directed officials to ensure that the damage survey is done effectively and every report be read out in front of the farmers in the panchayat.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;But Mahesh Jageshwar Ramkuche, a small farmer from Pantalai village, has no hopes of compensation though he has lost the entire chana (chickpea) crop on his 1.27 ha farm. In 2019, when his soybean crop got destroyed due to heavy rains, Ramkuche received only Rs 2 in the name of insurance claim.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;&amp;ldquo;A similar survey was conducted at that time for assessing crop loss,&amp;rdquo; he says, adding that he has regularly paid the premium for PMFBY for the past six years. Though Ramkuche does not remember the exact premium amount, he says Rs 10,000-12,000 gets deducted from his Kisan Credit Card (KCC) account every year towards PMFBY premium and for the interest on agricultural loan he has taken from the bank.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;The scheme was initially compulsory for loanee farmers but has been made voluntary for all since 2020. It insures farmers against all non-preventable natural risks from pre-sowing to post-harvest. It is a yield index-based scheme and mainly implemented on area approach basis.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Claims are worked out on the basis of shortfall in actual yield vis-&amp;agrave;-vis the threshold yield in the notified area. The premium is, however, determined through bidding.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Farmers have to pay a maximum 2 per cent of the total premium of the insured amount for kharif and 1.5 per cent for rabi food crops and oilseed and 5 per cent for commercial/horticultural crops. The balance of actuarial/bidded premium is shared by the Union and state governments on 50:50 basis, and on 90:10 basis in case of northeastern states.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;At the start of each season, the state government notifies the threshold yield of individual crops in each insurance unit, calculated based on the average yield of past seven years. The notification also mention the sum insured for individual crops in insurance units.&lt;/p&gt;

&lt;p style=&quot;text-align:justify&quot;&gt;Please &lt;a href=&quot;https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550&quot;&gt;click here&lt;/a&gt; to read more.&amp;nbsp;&lt;/p&gt;
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Since its launch in 2016, India&amp;rsquo;s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered

Even if a single farmer&amp;rsquo;s crop is damaged in a village he will get the benefits of...&#039;
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                <strong>India’s facade of agricultural insurance -Shagun, Priya Ranjan Sahu, Rakesh Kumar Malviya, Shuchita Jha and M Raghuram</strong></h1>
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                <p style="text-align:justify">-Down to Earth</p><p style="text-align:justify"><em>Since its launch in 2016, India&rsquo;s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered</em></p><p style="text-align:justify"><em>Even if a single farmer&rsquo;s crop is damaged in a village he will get the benefits of insurance</em></p><p style="text-align:justify">&nbsp;- Prime Minister Narendra Modi had said while launching the government&rsquo;s flagship Pradhan Mantri Fasal Bima Yojana (PMFBY) from Madhya Pradesh in 2016.</p><p style="text-align:justify">The words, however, mean nothing to the farmers of the state&rsquo;s Harda district whose standing crops got destroyed by a severe hailstorm on January 9, 2021.</p><p style="text-align:justify">The state&rsquo;s agriculture minister Kamal Patel, who belongs to Harda constituency, reached the district on January 10 to survey the crop loss. Chief Minister Shivraj Singh Chouhan also directed officials to ensure that the damage survey is done effectively and every report be read out in front of the farmers in the panchayat.</p><p style="text-align:justify">But Mahesh Jageshwar Ramkuche, a small farmer from Pantalai village, has no hopes of compensation though he has lost the entire chana (chickpea) crop on his 1.27 ha farm. In 2019, when his soybean crop got destroyed due to heavy rains, Ramkuche received only Rs 2 in the name of insurance claim.</p><p style="text-align:justify">&ldquo;A similar survey was conducted at that time for assessing crop loss,&rdquo; he says, adding that he has regularly paid the premium for PMFBY for the past six years. Though Ramkuche does not remember the exact premium amount, he says Rs 10,000-12,000 gets deducted from his Kisan Credit Card (KCC) account every year towards PMFBY premium and for the interest on agricultural loan he has taken from the bank.</p><p style="text-align:justify">The scheme was initially compulsory for loanee farmers but has been made voluntary for all since 2020. It insures farmers against all non-preventable natural risks from pre-sowing to post-harvest. It is a yield index-based scheme and mainly implemented on area approach basis.</p><p style="text-align:justify">Claims are worked out on the basis of shortfall in actual yield vis-&agrave;-vis the threshold yield in the notified area. The premium is, however, determined through bidding.</p><p style="text-align:justify">Farmers have to pay a maximum 2 per cent of the total premium of the insured amount for kharif and 1.5 per cent for rabi food crops and oilseed and 5 per cent for commercial/horticultural crops. The balance of actuarial/bidded premium is shared by the Union and state governments on 50:50 basis, and on 90:10 basis in case of northeastern states.</p><p style="text-align:justify">At the start of each season, the state government notifies the threshold yield of individual crops in each insurance unit, calculated based on the average yield of past seven years. The notification also mention the sum insured for individual crops in insurance units.</p><p style="text-align:justify">Please <a href="https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550" title="https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550">click here</a> to read more.&nbsp;</p>               </font>
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		'title' => 'India’s facade of agricultural insurance -Shagun, Priya Ranjan Sahu, Rakesh Kumar Malviya, Shuchita Jha and M Raghuram',
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		'description' => '<p style="text-align:justify">-Down to Earth</p>

<p style="text-align:justify"><em>Since its launch in 2016, India&rsquo;s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered</em></p>

<p style="text-align:justify"><em>Even if a single farmer&rsquo;s crop is damaged in a village he will get the benefits of insurance</em></p>

<p style="text-align:justify">&nbsp;- Prime Minister Narendra Modi had said while launching the government&rsquo;s flagship Pradhan Mantri Fasal Bima Yojana (PMFBY) from Madhya Pradesh in 2016.</p>

<p style="text-align:justify">The words, however, mean nothing to the farmers of the state&rsquo;s Harda district whose standing crops got destroyed by a severe hailstorm on January 9, 2021.</p>

<p style="text-align:justify">The state&rsquo;s agriculture minister Kamal Patel, who belongs to Harda constituency, reached the district on January 10 to survey the crop loss. Chief Minister Shivraj Singh Chouhan also directed officials to ensure that the damage survey is done effectively and every report be read out in front of the farmers in the panchayat.</p>

<p style="text-align:justify">But Mahesh Jageshwar Ramkuche, a small farmer from Pantalai village, has no hopes of compensation though he has lost the entire chana (chickpea) crop on his 1.27 ha farm. In 2019, when his soybean crop got destroyed due to heavy rains, Ramkuche received only Rs 2 in the name of insurance claim.</p>

<p style="text-align:justify">&ldquo;A similar survey was conducted at that time for assessing crop loss,&rdquo; he says, adding that he has regularly paid the premium for PMFBY for the past six years. Though Ramkuche does not remember the exact premium amount, he says Rs 10,000-12,000 gets deducted from his Kisan Credit Card (KCC) account every year towards PMFBY premium and for the interest on agricultural loan he has taken from the bank.</p>

<p style="text-align:justify">The scheme was initially compulsory for loanee farmers but has been made voluntary for all since 2020. It insures farmers against all non-preventable natural risks from pre-sowing to post-harvest. It is a yield index-based scheme and mainly implemented on area approach basis.</p>

<p style="text-align:justify">Claims are worked out on the basis of shortfall in actual yield vis-&agrave;-vis the threshold yield in the notified area. The premium is, however, determined through bidding.</p>

<p style="text-align:justify">Farmers have to pay a maximum 2 per cent of the total premium of the insured amount for kharif and 1.5 per cent for rabi food crops and oilseed and 5 per cent for commercial/horticultural crops. The balance of actuarial/bidded premium is shared by the Union and state governments on 50:50 basis, and on 90:10 basis in case of northeastern states.</p>

<p style="text-align:justify">At the start of each season, the state government notifies the threshold yield of individual crops in each insurance unit, calculated based on the average yield of past seven years. The notification also mention the sum insured for individual crops in insurance units.</p>

<p style="text-align:justify">Please <a href="https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550">click here</a> to read more.&nbsp;</p>
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<p style="text-align:justify"><em>Since its launch in 2016, India&rsquo;s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered</em></p>

<p style="text-align:justify"><em>Even if a single farmer&rsquo;s crop is damaged in a village he will get the benefits of insurance</em></p>

<p style="text-align:justify">&nbsp;- Prime Minister Narendra Modi had said while launching the government&rsquo;s flagship Pradhan Mantri Fasal Bima Yojana (PMFBY) from Madhya Pradesh in 2016.</p>

<p style="text-align:justify">The words, however, mean nothing to the farmers of the state&rsquo;s Harda district whose standing crops got destroyed by a severe hailstorm on January 9, 2021.</p>

<p style="text-align:justify">The state&rsquo;s agriculture minister Kamal Patel, who belongs to Harda constituency, reached the district on January 10 to survey the crop loss. Chief Minister Shivraj Singh Chouhan also directed officials to ensure that the damage survey is done effectively and every report be read out in front of the farmers in the panchayat.</p>

<p style="text-align:justify">But Mahesh Jageshwar Ramkuche, a small farmer from Pantalai village, has no hopes of compensation though he has lost the entire chana (chickpea) crop on his 1.27 ha farm. In 2019, when his soybean crop got destroyed due to heavy rains, Ramkuche received only Rs 2 in the name of insurance claim.</p>

<p style="text-align:justify">&ldquo;A similar survey was conducted at that time for assessing crop loss,&rdquo; he says, adding that he has regularly paid the premium for PMFBY for the past six years. Though Ramkuche does not remember the exact premium amount, he says Rs 10,000-12,000 gets deducted from his Kisan Credit Card (KCC) account every year towards PMFBY premium and for the interest on agricultural loan he has taken from the bank.</p>

<p style="text-align:justify">The scheme was initially compulsory for loanee farmers but has been made voluntary for all since 2020. It insures farmers against all non-preventable natural risks from pre-sowing to post-harvest. It is a yield index-based scheme and mainly implemented on area approach basis.</p>

<p style="text-align:justify">Claims are worked out on the basis of shortfall in actual yield vis-&agrave;-vis the threshold yield in the notified area. The premium is, however, determined through bidding.</p>

<p style="text-align:justify">Farmers have to pay a maximum 2 per cent of the total premium of the insured amount for kharif and 1.5 per cent for rabi food crops and oilseed and 5 per cent for commercial/horticultural crops. The balance of actuarial/bidded premium is shared by the Union and state governments on 50:50 basis, and on 90:10 basis in case of northeastern states.</p>

<p style="text-align:justify">At the start of each season, the state government notifies the threshold yield of individual crops in each insurance unit, calculated based on the average yield of past seven years. The notification also mention the sum insured for individual crops in insurance units.</p>

<p style="text-align:justify">Please <a href="https://www.downtoearth.org.in/news/agriculture/india-s-facade-of-agricultural-insurance-81550">click here</a> to read more.&nbsp;</p>
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Since its launch in 2016, India&rsquo;s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered

Even if a single farmer&rsquo;s crop is damaged in a village he will get the benefits of...'
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India’s facade of agricultural insurance -Shagun, Priya Ranjan Sahu, Rakesh Kumar Malviya, Shuchita Jha and M Raghuram

-Down to Earth Since its launch in 2016, India’s flagship crop insurance scheme has seen a consistent fall in acreage and number of farmers covered Even if a single farmer’s crop is damaged in a village he will get the benefits of insurance  - Prime Minister Narendra Modi had said while launching the government’s flagship Pradhan Mantri Fasal Bima Yojana (PMFBY) from Madhya Pradesh in 2016. The words, however, mean nothing to the farmers of the state’s Harda district whose standing crops got destroyed by a severe hailstorm on January 9, 2021. The state’s agriculture minister Kamal Patel, who belongs to Harda constituency, reached the district on January 10 to survey the crop loss. Chief Minister Shivraj Singh Chouhan also directed officials to ensure that the damage survey is done effectively and every report be read out in front of the farmers in the panchayat. But Mahesh Jageshwar Ramkuche, a small farmer from Pantalai village, has no hopes of compensation though he has lost the entire chana (chickpea) crop on his 1.27 ha farm. In 2019, when his soybean crop got destroyed due to heavy rains, Ramkuche received only Rs 2 in the name of insurance claim. “A similar survey was conducted at that time for assessing crop loss,” he says, adding that he has regularly paid the premium for PMFBY for the past six years. Though Ramkuche does not remember the exact premium amount, he says Rs 10,000-12,000 gets deducted from his Kisan Credit Card (KCC) account every year towards PMFBY premium and for the interest on agricultural loan he has taken from the bank. The scheme was initially compulsory for loanee farmers but has been made voluntary for all since 2020. It insures farmers against all non-preventable natural risks from pre-sowing to post-harvest. It is a yield index-based scheme and mainly implemented on area approach basis. Claims are worked out on the basis of shortfall in actual yield vis-à-vis the threshold yield in the notified area. The premium is, however, determined through bidding. Farmers have to pay a maximum 2 per cent of the total premium of the insured amount for kharif and 1.5 per cent for rabi food crops and oilseed and 5 per cent for commercial/horticultural crops. The balance of actuarial/bidded premium is shared by the Union and state governments on 50:50 basis, and on 90:10 basis in case of northeastern states. At the start of each season, the state government notifies the threshold yield of individual crops in each insurance unit, calculated based on the average yield of past seven years. The notification also mention the sum insured for individual crops in insurance units. Please click here to read more.