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);

    }
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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 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]
Code Context
            if (Configure::read('debug')) {

                trigger_error($message, E_USER_WARNING);

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-TheWire.in&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.&lt;br /&gt;
&lt;br /&gt;
A similar case was reported from Bhabisa village of Uttar Pradesh&amp;rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &amp;ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.&lt;br /&gt;
&lt;br /&gt;
Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&amp;rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.&lt;br /&gt;
&lt;br /&gt;
It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.&lt;br /&gt;
&lt;br /&gt;
The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&amp;rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.&lt;br /&gt;
&lt;br /&gt;
Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&amp;rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.&lt;br /&gt;
&lt;br /&gt;
As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?&lt;br /&gt;
&lt;br /&gt;
Union agriculture minister Sompal Shastri says, &amp;ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&amp;rdquo; he asks.&lt;br /&gt;
&lt;br /&gt;
Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &amp;ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&amp;rdquo; he says.&lt;br /&gt;
&lt;br /&gt;
Commenting upon the prime minister&amp;rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &amp;ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot;&gt;click here&lt;/a&gt; to read more. 
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
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-TheWire.in

Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.

In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-TheWire.in&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.&lt;br /&gt;&lt;br /&gt;A similar case was reported from Bhabisa village of Uttar Pradesh&amp;rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &amp;ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.&lt;br /&gt;&lt;br /&gt;Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&amp;rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.&lt;br /&gt;&lt;br /&gt;It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.&lt;br /&gt;&lt;br /&gt;The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&amp;rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.&lt;br /&gt;&lt;br /&gt;Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.&lt;br /&gt;&lt;br /&gt;&amp;ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&amp;rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.&lt;br /&gt;&lt;br /&gt;As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?&lt;br /&gt;&lt;br /&gt;Union agriculture minister Sompal Shastri says, &amp;ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;&amp;ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&amp;rdquo; he asks.&lt;br /&gt;&lt;br /&gt;Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &amp;ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&amp;rdquo; he says.&lt;br /&gt;&lt;br /&gt;Commenting upon the prime minister&amp;rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &amp;ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;Please &lt;a href=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot; title=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot;&gt;click here&lt;/a&gt; to read more. &lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&#039;,
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	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-TheWire.in&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.&lt;br /&gt;
&lt;br /&gt;
A similar case was reported from Bhabisa village of Uttar Pradesh&amp;rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &amp;ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.&lt;br /&gt;
&lt;br /&gt;
Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&amp;rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.&lt;br /&gt;
&lt;br /&gt;
It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.&lt;br /&gt;
&lt;br /&gt;
The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&amp;rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.&lt;br /&gt;
&lt;br /&gt;
Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&amp;rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.&lt;br /&gt;
&lt;br /&gt;
As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?&lt;br /&gt;
&lt;br /&gt;
Union agriculture minister Sompal Shastri says, &amp;ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&amp;rdquo; he asks.&lt;br /&gt;
&lt;br /&gt;
Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &amp;ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&amp;rdquo; he says.&lt;br /&gt;
&lt;br /&gt;
Commenting upon the prime minister&amp;rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &amp;ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot;&gt;click here&lt;/a&gt; to read more. 
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;&#039;,
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-TheWire.in

Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.

In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-TheWire.in&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.&lt;br /&gt;&lt;br /&gt;A similar case was reported from Bhabisa village of Uttar Pradesh&amp;rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &amp;ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.&lt;br /&gt;&lt;br /&gt;Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&amp;rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.&lt;br /&gt;&lt;br /&gt;It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.&lt;br /&gt;&lt;br /&gt;The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&amp;rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.&lt;br /&gt;&lt;br /&gt;Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.&lt;br /&gt;&lt;br /&gt;&amp;ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&amp;rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.&lt;br /&gt;&lt;br /&gt;As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?&lt;br /&gt;&lt;br /&gt;Union agriculture minister Sompal Shastri says, &amp;ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;&amp;ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&amp;rdquo; he asks.&lt;br /&gt;&lt;br /&gt;Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &amp;ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&amp;rdquo; he says.&lt;br /&gt;&lt;br /&gt;Commenting upon the prime minister&amp;rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &amp;ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;Please &lt;a href=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot; title=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot;&gt;click here&lt;/a&gt; to read more. &lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&#039;
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Banks are deducting &lsquo;crop insurance premiums&rsquo; from farmers&rsquo; current accounts without their knowledge.

In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card..."/>
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                <strong>Why Are Banks Deducting Money From Farmers&#039; Accounts Without Permission? -Nitika Kakkar and Deepak Vaishnav</strong></h1>
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                <div align="justify">-TheWire.in<br /><br /><em>Banks are deducting &lsquo;crop insurance premiums&rsquo; from farmers&rsquo; current accounts without their knowledge.<br /></em><br />In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.<br /><br />A similar case was reported from Bhabisa village of Uttar Pradesh&rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&rdquo;<br /><br />These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.<br /><br />Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.<br /><br />It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.<br /><br />The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.<br /><br />Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.<br /><br />&ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.<br /><br />As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?<br /><br />Union agriculture minister Sompal Shastri says, &ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&rdquo;<br /><br />&ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&rdquo; he asks.<br /><br />Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&rdquo; he says.<br /><br />Commenting upon the prime minister&rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&rdquo;<br /><br />Please <a href="https://thewire.in/120164/banks-farmers-insurance-crop/" title="https://thewire.in/120164/banks-farmers-insurance-crop/">click here</a> to read more. </div><div align="justify">&nbsp;</div>               </font>
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		&#039;title&#039; =&gt; &#039;Why Are Banks Deducting Money From Farmers&amp;#039; Accounts Without Permission? -Nitika Kakkar and Deepak Vaishnav&#039;,
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-TheWire.in&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.&lt;br /&gt;
&lt;br /&gt;
A similar case was reported from Bhabisa village of Uttar Pradesh&amp;rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &amp;ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.&lt;br /&gt;
&lt;br /&gt;
Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&amp;rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.&lt;br /&gt;
&lt;br /&gt;
It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.&lt;br /&gt;
&lt;br /&gt;
The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&amp;rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.&lt;br /&gt;
&lt;br /&gt;
Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&amp;rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.&lt;br /&gt;
&lt;br /&gt;
As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?&lt;br /&gt;
&lt;br /&gt;
Union agriculture minister Sompal Shastri says, &amp;ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&amp;rdquo; he asks.&lt;br /&gt;
&lt;br /&gt;
Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &amp;ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&amp;rdquo; he says.&lt;br /&gt;
&lt;br /&gt;
Commenting upon the prime minister&amp;rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &amp;ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot;&gt;click here&lt;/a&gt; to read more. 
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-TheWire.in

Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.

In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-TheWire.in&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.&lt;br /&gt;&lt;br /&gt;A similar case was reported from Bhabisa village of Uttar Pradesh&amp;rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &amp;ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.&lt;br /&gt;&lt;br /&gt;Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&amp;rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.&lt;br /&gt;&lt;br /&gt;It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.&lt;br /&gt;&lt;br /&gt;The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&amp;rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.&lt;br /&gt;&lt;br /&gt;Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.&lt;br /&gt;&lt;br /&gt;&amp;ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&amp;rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.&lt;br /&gt;&lt;br /&gt;As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?&lt;br /&gt;&lt;br /&gt;Union agriculture minister Sompal Shastri says, &amp;ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;&amp;ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&amp;rdquo; he asks.&lt;br /&gt;&lt;br /&gt;Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &amp;ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&amp;rdquo; he says.&lt;br /&gt;&lt;br /&gt;Commenting upon the prime minister&amp;rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &amp;ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;Please &lt;a href=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot; title=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot;&gt;click here&lt;/a&gt; to read more. &lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&#039;,
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	&#039;id&#039; =&gt; (int) 33414,
	&#039;title&#039; =&gt; &#039;Why Are Banks Deducting Money From Farmers&amp;#039; Accounts Without Permission? -Nitika Kakkar and Deepak Vaishnav&#039;,
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-TheWire.in&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.&lt;br /&gt;
&lt;br /&gt;
A similar case was reported from Bhabisa village of Uttar Pradesh&amp;rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &amp;ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.&lt;br /&gt;
&lt;br /&gt;
Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&amp;rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.&lt;br /&gt;
&lt;br /&gt;
It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.&lt;br /&gt;
&lt;br /&gt;
The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&amp;rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.&lt;br /&gt;
&lt;br /&gt;
Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&amp;rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.&lt;br /&gt;
&lt;br /&gt;
As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?&lt;br /&gt;
&lt;br /&gt;
Union agriculture minister Sompal Shastri says, &amp;ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&amp;rdquo; he asks.&lt;br /&gt;
&lt;br /&gt;
Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &amp;ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&amp;rdquo; he says.&lt;br /&gt;
&lt;br /&gt;
Commenting upon the prime minister&amp;rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &amp;ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot;&gt;click here&lt;/a&gt; to read more. 
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
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-TheWire.in

Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.

In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-TheWire.in&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.&lt;br /&gt;&lt;br /&gt;A similar case was reported from Bhabisa village of Uttar Pradesh&amp;rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &amp;ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.&lt;br /&gt;&lt;br /&gt;Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&amp;rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.&lt;br /&gt;&lt;br /&gt;It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.&lt;br /&gt;&lt;br /&gt;The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&amp;rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.&lt;br /&gt;&lt;br /&gt;Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.&lt;br /&gt;&lt;br /&gt;&amp;ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&amp;rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.&lt;br /&gt;&lt;br /&gt;As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?&lt;br /&gt;&lt;br /&gt;Union agriculture minister Sompal Shastri says, &amp;ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;&amp;ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&amp;rdquo; he asks.&lt;br /&gt;&lt;br /&gt;Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &amp;ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&amp;rdquo; he says.&lt;br /&gt;&lt;br /&gt;Commenting upon the prime minister&amp;rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &amp;ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;Please &lt;a href=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot; title=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot;&gt;click here&lt;/a&gt; to read more. &lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&#039;
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Banks are deducting &lsquo;crop insurance premiums&rsquo; from farmers&rsquo; current accounts without their knowledge.

In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card..."/>
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                <div align="justify">-TheWire.in<br /><br /><em>Banks are deducting &lsquo;crop insurance premiums&rsquo; from farmers&rsquo; current accounts without their knowledge.<br /></em><br />In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.<br /><br />A similar case was reported from Bhabisa village of Uttar Pradesh&rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&rdquo;<br /><br />These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.<br /><br />Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.<br /><br />It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.<br /><br />The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.<br /><br />Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.<br /><br />&ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.<br /><br />As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?<br /><br />Union agriculture minister Sompal Shastri says, &ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&rdquo;<br /><br />&ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&rdquo; he asks.<br /><br />Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&rdquo; he says.<br /><br />Commenting upon the prime minister&rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&rdquo;<br /><br />Please <a href="https://thewire.in/120164/banks-farmers-insurance-crop/" title="https://thewire.in/120164/banks-farmers-insurance-crop/">click here</a> to read more. </div><div align="justify">&nbsp;</div>               </font>
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&lt;br /&gt;
&lt;em&gt;Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.&lt;br /&gt;
&lt;br /&gt;
A similar case was reported from Bhabisa village of Uttar Pradesh&amp;rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &amp;ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.&lt;br /&gt;
&lt;br /&gt;
Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&amp;rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.&lt;br /&gt;
&lt;br /&gt;
It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.&lt;br /&gt;
&lt;br /&gt;
The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&amp;rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.&lt;br /&gt;
&lt;br /&gt;
Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&amp;rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.&lt;br /&gt;
&lt;br /&gt;
As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?&lt;br /&gt;
&lt;br /&gt;
Union agriculture minister Sompal Shastri says, &amp;ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&amp;rdquo; he asks.&lt;br /&gt;
&lt;br /&gt;
Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &amp;ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&amp;rdquo; he says.&lt;br /&gt;
&lt;br /&gt;
Commenting upon the prime minister&amp;rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &amp;ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot;&gt;click here&lt;/a&gt; to read more. 
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-TheWire.in

Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.

In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-TheWire.in&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.&lt;br /&gt;&lt;br /&gt;A similar case was reported from Bhabisa village of Uttar Pradesh&amp;rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &amp;ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.&lt;br /&gt;&lt;br /&gt;Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&amp;rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.&lt;br /&gt;&lt;br /&gt;It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.&lt;br /&gt;&lt;br /&gt;The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&amp;rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.&lt;br /&gt;&lt;br /&gt;Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.&lt;br /&gt;&lt;br /&gt;&amp;ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&amp;rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.&lt;br /&gt;&lt;br /&gt;As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?&lt;br /&gt;&lt;br /&gt;Union agriculture minister Sompal Shastri says, &amp;ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;&amp;ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&amp;rdquo; he asks.&lt;br /&gt;&lt;br /&gt;Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &amp;ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&amp;rdquo; he says.&lt;br /&gt;&lt;br /&gt;Commenting upon the prime minister&amp;rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &amp;ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;Please &lt;a href=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot; title=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot;&gt;click here&lt;/a&gt; to read more. &lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&#039;,
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-TheWire.in&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.&lt;br /&gt;
&lt;br /&gt;
A similar case was reported from Bhabisa village of Uttar Pradesh&amp;rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &amp;ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.&lt;br /&gt;
&lt;br /&gt;
Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&amp;rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.&lt;br /&gt;
&lt;br /&gt;
It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.&lt;br /&gt;
&lt;br /&gt;
The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&amp;rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.&lt;br /&gt;
&lt;br /&gt;
Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&amp;rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.&lt;br /&gt;
&lt;br /&gt;
As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?&lt;br /&gt;
&lt;br /&gt;
Union agriculture minister Sompal Shastri says, &amp;ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
&amp;ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&amp;rdquo; he asks.&lt;br /&gt;
&lt;br /&gt;
Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &amp;ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&amp;rdquo; he says.&lt;br /&gt;
&lt;br /&gt;
Commenting upon the prime minister&amp;rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &amp;ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&amp;rdquo;&lt;br /&gt;
&lt;br /&gt;
Please &lt;a href=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot;&gt;click here&lt;/a&gt; to read more. 
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-TheWire.in

Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.

In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-TheWire.in&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Banks are deducting &amp;lsquo;crop insurance premiums&amp;rsquo; from farmers&amp;rsquo; current accounts without their knowledge.&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.&lt;br /&gt;&lt;br /&gt;A similar case was reported from Bhabisa village of Uttar Pradesh&amp;rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &amp;ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.&lt;br /&gt;&lt;br /&gt;Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&amp;rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.&lt;br /&gt;&lt;br /&gt;It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.&lt;br /&gt;&lt;br /&gt;The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&amp;rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.&lt;br /&gt;&lt;br /&gt;Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.&lt;br /&gt;&lt;br /&gt;&amp;ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&amp;rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.&lt;br /&gt;&lt;br /&gt;As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?&lt;br /&gt;&lt;br /&gt;Union agriculture minister Sompal Shastri says, &amp;ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;&amp;ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&amp;rdquo; he asks.&lt;br /&gt;&lt;br /&gt;Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &amp;ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&amp;rdquo; he says.&lt;br /&gt;&lt;br /&gt;Commenting upon the prime minister&amp;rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &amp;ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&amp;rdquo;&lt;br /&gt;&lt;br /&gt;Please &lt;a href=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot; title=&quot;https://thewire.in/120164/banks-farmers-insurance-crop/&quot;&gt;click here&lt;/a&gt; to read more. &lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&#039;
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Banks are deducting &lsquo;crop insurance premiums&rsquo; from farmers&rsquo; current accounts without their knowledge.

In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card..."/>
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                <strong>Why Are Banks Deducting Money From Farmers&#039; Accounts Without Permission? -Nitika Kakkar and Deepak Vaishnav</strong></h1>
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                <div align="justify">-TheWire.in<br /><br /><em>Banks are deducting &lsquo;crop insurance premiums&rsquo; from farmers&rsquo; current accounts without their knowledge.<br /></em><br />In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.<br /><br />A similar case was reported from Bhabisa village of Uttar Pradesh&rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&rdquo;<br /><br />These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.<br /><br />Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.<br /><br />It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.<br /><br />The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.<br /><br />Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.<br /><br />&ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.<br /><br />As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?<br /><br />Union agriculture minister Sompal Shastri says, &ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&rdquo;<br /><br />&ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&rdquo; he asks.<br /><br />Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&rdquo; he says.<br /><br />Commenting upon the prime minister&rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&rdquo;<br /><br />Please <a href="https://thewire.in/120164/banks-farmers-insurance-crop/" title="https://thewire.in/120164/banks-farmers-insurance-crop/">click here</a> to read more. </div><div align="justify">&nbsp;</div>               </font>
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-TheWire.in<br />
<br />
<em>Banks are deducting &lsquo;crop insurance premiums&rsquo; from farmers&rsquo; current accounts without their knowledge.<br />
</em><br />
In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.<br />
<br />
A similar case was reported from Bhabisa village of Uttar Pradesh&rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&rdquo;<br />
<br />
These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.<br />
<br />
Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.<br />
<br />
It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.<br />
<br />
The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.<br />
<br />
Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.<br />
<br />
&ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.<br />
<br />
As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?<br />
<br />
Union agriculture minister Sompal Shastri says, &ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&rdquo;<br />
<br />
&ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&rdquo; he asks.<br />
<br />
Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&rdquo; he says.<br />
<br />
Commenting upon the prime minister&rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&rdquo;<br />
<br />
Please <a href="https://thewire.in/120164/banks-farmers-insurance-crop/">click here</a> to read more. 
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-TheWire.in

Banks are deducting &lsquo;crop insurance premiums&rsquo; from farmers&rsquo; current accounts without their knowledge.

In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card...',
	'disp' => '<div align="justify">-TheWire.in<br /><br /><em>Banks are deducting &lsquo;crop insurance premiums&rsquo; from farmers&rsquo; current accounts without their knowledge.<br /></em><br />In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.<br /><br />A similar case was reported from Bhabisa village of Uttar Pradesh&rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&rdquo;<br /><br />These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.<br /><br />Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.<br /><br />It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.<br /><br />The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.<br /><br />Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.<br /><br />&ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.<br /><br />As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?<br /><br />Union agriculture minister Sompal Shastri says, &ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&rdquo;<br /><br />&ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&rdquo; he asks.<br /><br />Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&rdquo; he says.<br /><br />Commenting upon the prime minister&rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&rdquo;<br /><br />Please <a href="https://thewire.in/120164/banks-farmers-insurance-crop/" title="https://thewire.in/120164/banks-farmers-insurance-crop/">click here</a> to read more. </div><div align="justify">&nbsp;</div>',
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-TheWire.in<br />
<br />
<em>Banks are deducting &lsquo;crop insurance premiums&rsquo; from farmers&rsquo; current accounts without their knowledge.<br />
</em><br />
In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.<br />
<br />
A similar case was reported from Bhabisa village of Uttar Pradesh&rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&rdquo;<br />
<br />
These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.<br />
<br />
Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.<br />
<br />
It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.<br />
<br />
The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.<br />
<br />
Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.<br />
<br />
&ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.<br />
<br />
As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?<br />
<br />
Union agriculture minister Sompal Shastri says, &ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&rdquo;<br />
<br />
&ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&rdquo; he asks.<br />
<br />
Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&rdquo; he says.<br />
<br />
Commenting upon the prime minister&rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&rdquo;<br />
<br />
Please <a href="https://thewire.in/120164/banks-farmers-insurance-crop/">click here</a> to read more. 
</div>
<div align="justify">
&nbsp;
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-TheWire.in

Banks are deducting &lsquo;crop insurance premiums&rsquo; from farmers&rsquo; current accounts without their knowledge.

In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card...'
$disp = '<div align="justify">-TheWire.in<br /><br /><em>Banks are deducting &lsquo;crop insurance premiums&rsquo; from farmers&rsquo; current accounts without their knowledge.<br /></em><br />In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter.<br /><br />A similar case was reported from Bhabisa village of Uttar Pradesh&rsquo;s Shamli district where a farmer, Kisan Nand Ram, complained, &ldquo;Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.&rdquo;<br /><br />These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information.<br /><br />Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India&rsquo;s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year.<br /><br />It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target.<br /><br />The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal&rsquo;s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal.<br /><br />Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan.<br /><br />&ldquo;To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,&rdquo; says an official of the Department of Agriculture Cooperation and Farmers Welfare.<br /><br />As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders?<br /><br />Union agriculture minister Sompal Shastri says, &ldquo;The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.&rdquo;<br /><br />&ldquo;When cars and refrigerators are not covered under group insurance, why are farmers covered under it?&rdquo; he asks.<br /><br />Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. &ldquo;No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,&rdquo; he says.<br /><br />Commenting upon the prime minister&rsquo;s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, &ldquo;An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.&rdquo;<br /><br />Please <a href="https://thewire.in/120164/banks-farmers-insurance-crop/" title="https://thewire.in/120164/banks-farmers-insurance-crop/">click here</a> to read more. </div><div align="justify">&nbsp;</div>'
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Why Are Banks Deducting Money From Farmers' Accounts Without Permission? -Nitika Kakkar and Deepak Vaishnav

-TheWire.in Banks are deducting ‘crop insurance premiums’ from farmers’ current accounts without their knowledge. In the Bhivani district of Haryana, a 49-year-old farmer, Bansi Lal, complained that Rs 2,480 was deducted from an account that was linked to his Kissan Credit Card (KCC), without his knowledge. Upon enquiry, the bank informed him that the money was deducted under the Pradhan Mantri Fasal Bima Yojna (PMFBY). But when he told the bank that he had not even applied for the insurance scheme, the bank could not give a satisfactory answer. Bansi Lal then filed a case against the bank and is now also waiting for responses to several RTI applications filed over the matter. A similar case was reported from Bhabisa village of Uttar Pradesh’s Shamli district where a farmer, Kisan Nand Ram, complained, “Last year, when I took a loan, the bank deducted Rs 5,000 from it without giving any satisfactory reason.” These are not isolated cases. A number of farmers from across the country have made similar allegations that money is being deducted from their accounts under the PMFBY without prior information. Prime Minister Narendra Modi unveiled the crop insurance scheme on January 13, 2016. The scheme aims to bring 50% of India’s farmers within the crop insurance net by 2019. However, 22.33% farmers have already been covered under various existing insurance schemes. According to data collected after the completion of one year of the scheme, a total of 26.5% farmers have been brought under its purview. This means that instead of the targeted 10%, only 5.5% farmers were covered in one year. It is worth noting that the government had initially allocated Rs 5,500 crore per year for the scheme but by the end of the year, the actual expenditure was estimated at Rs 13,240 crore. Despite spending an extra amount of Rs 7,740 crore, the government failed to achieve the target. The farmers allege that in order to achieve its target, the government is forcefully registering them for the insurance. It might appear to some that Rs 2,480 deducted from Bansi Lal’s account is not a huge sum of money, but keeping in mind the 70th National Sample Survey Office survey report, which reveals that the average annual earning of a small or medium level farmer does not exceed Rs 20,000 (Rs 1,667 per month or Rs 56 per day), it turns out that for a farmer, it is a big deal. Insurance has been made mandatory for farmers who took a loan under this scheme. This means premium is automatically deducted from the account of any farmer who possesses a KCC. There is no provision of seeking permission from farmers who obtained a loan. “To bring more and more farmers under the scheme, insurance has been made compulsory for those who take a loan. At the time of a disaster, the farmer is not in the condition to pay the premium, which is why the money is deducted at the time of issuing the loan,” says an official of the Department of Agriculture Cooperation and Farmers Welfare. As of March 31, 2016, 75,272,000 KCCs had been issued to farmers in India. Does it mean premium will be deducted from the accounts of all KCC holders? Union agriculture minister Sompal Shastri says, “The policy has been framed in collaboration with the insurance companies in such a way that the unit is not an individual farmer but an entire group. If 70% crop of the entire group is damaged, only then will they get a compensation. This is why many farmers are not getting a compensation despite a premium cut.” “When cars and refrigerators are not covered under group insurance, why are farmers covered under it?” he asks. Ashish, a farmer from Bhabisa, claims that the insurance policy does not include crops damaged due to fire caused by a short circuit. “No matter how much crop we lose in such an accident, we do not get any compensation despite deducted premium,” he says. Commenting upon the prime minister’s crop insurance scheme, Avnesh Kumar Gupta, general secretary of the World Economic Forum and associate professor of Delhi University, says, “An inhuman practice is being carried out against the farmers. If the insurance policy were good enough, farmers would themselves opt for it. It is absolutely wrong to forcefully deduct money from their accounts.” Please click here to read more.