Annexure 1 : English Questionnaire For Loanee Farmers 

QUESTIONNAIRE FOR LOANEE FARMERS

A. Household Particulars

1. Name _______________________________ S/o ___________________________________

Age _____________ Years Education ______________________________

Village _____________ Taluka ________________ District ______________ Cell __________________

Size of Family : Adults ___________________ Children _________________ Total __________________

B. Landholding Particulars (In Acres)

1. Category Marginal Farmer Small Farmer Medium Farmer

(< 2.5 Acres of land) (< 5 Hectares of land) (> 5 Hectares of land)
2. Land Leased Out of Own Landholding and Tenant Share Cropper Self Owner
Rate at Which Leased Out

3. Years of Experience in Farming

4. Irrigated Area Semi-irrigated Area Un-irrigated Area

5. Area Irrigated by Boring Canals Tanks Well Tubewell River Dam

6. Details of Crop Cultivated

Name of 2005-2006 2006-2007 2007-2008
the Crop
Kharif Rabi S.I. Prem Kharif Rabi S.I. Prem Kharif Rabi S.I. Prem
Insured
ium ium ium

7. Yield in Quintals per acre

8. Cost of Cultivation per acre

C. Average Annual Income

1. From Crop Farming (Quantity / year) ________________________________________________

2. Net Cost (Rs. / year)(Sale of crop yield) ______________________________________________

3 Livestock (Rs. / year) ____________________________________________________

4. Hired Labour (Rs. / year) ____________________________________________________

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Annexure 1 : English Questionnaire For Loanee Farmers 

5. Others (Rs. / year)

(a) Agricultural Wages ________________________________________________

(b) Non Agricultural Wages ________________________________________________

(c) Business ________________________________________________

(d) Services ________________________________________________

(e) Others (Specify) ________________________________________________

D. Finance

1. Did you borrow any money last year or before for agricultural related activities Y/N

2. If yes, the amount borrowed, interest rate and period

2005-2006 2006-2007 2007-2008

Amount of
Loan Kharif Rabi Kharif Rabi Kharif Rabi

Interest
Rate &
Period

3. Loan taken from

a) Bank c) Service Area Bank e) Co-operative Bank g) Relatives

b) Nodal Branch d) Primary Agricultural f) Moneylender h) Friends i) Other
Credit Society

4. Source(s) of funds for repayment

a) Sale of agricultural produce

b) Sale of assets
c) Another loan
d) Others (Specify) (Jewellery / Sale of animals / land)

E.(a) Are you aware of the National Agriculture Insurance Scheme ? Yes / No

(b) If yes, have you availed this National Agriculture Insurance Scheme ? Yes / No
(c) (i) What crops are covered ?
(ii) What is the sum insured ?
(iii) What is the risk covered ?
(iv) How many years you have availed this scheme ?
(v) During these many years what is your experience about this scheme ?
(vi) What is the premium amount you are paying ?
(vii) How many claims you have received ?
(viii) Do you remember in some years you suffered loss and you did not receive money or received
the money ?
(ix) Do you remember in some years you did not suffer any loss but you received money ?
(d) What motivated you to take National Agriculture Insurance Scheme ?

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Annexure 1 : English Questionnaire For Loanee Farmers 

i. Banks / Financial Institutions compulsory

ii. Financial Security
iii. Heard of good experience from other farmers
iv. Any other (please specify) _________________________________________________________

F. Have you experienced any crop loss in the last three years Yes / No
Year / Crop (s) Sum Premium Cause of Crop Loss Total Claim Amount
Season Insured (Rs.) (Drought / Flood / Loss in (Rs)
Rains (Heavy) / Rains Rs. if received
(Low) / Hailstorm /
Cyclone / Fire / Pest
/ Diseases)

G. If not insured, what other measures of loss compensation would you look forward for aid / relief ?

1) Sale of Fixed Assets 4) Bank loan 7) Co-operative Society 10) Others (Specify)
2) Sale of Livestock 5) Money lender 8) Offering land on lease
to others
3) Friends / relatives 6) Government Relief 9) Hypothecation of
house / jewellery

H. From which media did you get information about National Agriculture Insurance Scheme?

1) Radio 7) Post Office 13) Bank 19) Road Shows

2) Doordarshan 8) Insurance Agents 14) Implementing Agency 20) Group Discussions
3) NGOs 9) PACS 15) Magazines 21) Agriculture Dept
4) Newspapers 10) SMS 16) Kisan Sabha
5) Mobiles 11) Advertisement Hoardings 17) Village Sabha
6) Moneylenders 12) Exhibition 18) Film Show in Village

I. Which insurance service provider(s) would you prefer for availing National Agriculture Insurance
Scheme?

1) Rural agent at your door step 4) Co-operative Bank 7) NGOs

2) Insurance Agent's Office 5) Regional Rural Bank 8) Post Office
3) Commercial Bank 6) Self Help Groups 9) Others (Specify)

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Annexure 1 : English Questionnaire For Loanee Farmers 

J. Your experience about National Agriculture Insurance Scheme?

1. Satisfactory
2. Not satisfied with

1) Crops 3) Premium Rate 5) Facilities available 7) Area Approach 9) CCE

Covered at Financial Institution
2) Sum Insured 4) Claim 6) Documentation 8) Indemnity Level 10) Others
Procedure (Specify)

K. What are your suggestions for improving National Agriculture Insurance Scheme ?

1. Cover more crops

2. Individual assessment
3. Reduce premium
4. Quick settlement of claims
5. Gram Panchayat as unit of loss assessment
6. Insurance Service at your doorstep / at village level
7. Crop Cutting Experiments to be conducted in the presence of villagers / insurance company’s
representatives
8. Others (Specify) _________________________________________________________________

L. Whether the premium you are paying is :

High Low Reasonable Can’t Say

M. What extent you are willing to bear agricultural losses (%) ______________________________
(beyond which you want the insurance company pay losses)

N. Are you aware of weather based crop insurance scheme. If so, which schemes? What are the
advantages as compared to NAIS and your experience?

AICIL – Weather Based AICIL – Varsha Bima ICICI Lombard – Weather Insurance
Crop Insurance Scheme IFFCO-TOKIO – Weather Insurance

O. (a) Live stock holding particulars

1) Cattle – Male 3) Buffalo – Male 5) Sheep 7) Pigs 9) Horse

2) Cattle – Female 4) Buffalo - Female 6) Goats 8) Poultry 10) Others

(b) Are you aware of livestock insurance ? Y/N

1) Cattle Insurance 3) Horse / Pony / 5) Camel Insurance 7) Inland Fish

Donkey Insurance Insurance Scheme
2) Sheep & Goat 4) Pig Insurance 6) Poultry Insurance
Insurance

Signature : _____________________________ Date : __________________________

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Annexure 2 : English Questionnaire For Non-Loanee Farmers 

QUESTIONNAIRE FOR NON-LOANEE FARMERS

A. Household Particulars

1. Name ___________________________________ S/o ____________________________________

Age _____________ Years Education ______________________________

Village _____________ Taluka ________________ District ______________ Cell __________________

Size of Family : Adults ________________ Children __________________ Total ____________________

B. Landholding Particulars (In Acres)

1. Category Marginal Farmer Small Farmer Medium Farmer

(< 2.5 Acres of land) (< 5 Hectares of land) (> 5 Hectares of land)
2. Land Leased Out of Own Landholding and Tenant Share Cropper Self Owner
Rate at Which Leased Out

3. Years of Experience in Farming

4. Irrigated Area Semi-irrigated Area Un-irrigated Area

5. Area Irrigated by Boring Canals Tanks Well Tubewell River Dam

6. Details of Crop Cultivated

Name of 2005-2006 2006-2007 2007-2008
the Crop
Kharif Rabi S.I. Prem Kharif Rabi S.I. Prem Kharif Rabi S.I. Prem
Insured
ium ium ium

7. Yield in Quintals per acre

8. Cost of Cultivation per acre

C. Average Annual Income

1. From Crop Farming (Quantity / year) ________________________________________________

2. Net Cost (Rs. / year)(Sale of crop yield) ______________________________________________

3 Livestock (Rs. / year) ____________________________________________________

4. Hired Labour (Rs. / year) ____________________________________________________

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Annexure 2 : English Questionnaire For Non-Loanee Farmers 

4. Others (Rs. / year)

(a) Agricultural Wages ________________________________________________

(b) Non Agricultural Wages ________________________________________________

(c) Business ________________________________________________

(d) Services ________________________________________________

(e) Others (Specify) ________________________________________________

D.(a) Are you aware of National Agriculture Insurance Scheme Yes / No

(b) If yes, have you availed this National Agriculture Insurance Scheme ? Yes / No

(i) What crops are covered ?

(ii) What is the sum insured ?
(iii) What is the risk covered ?
(iv) How many years you have availed this scheme ?
(v) During these many years what is your experience about this scheme ?
(vi) What is the premium amount you are paying ?
(vii) How many claims you have received ?
(ii) Do you remember in some years you suffered loss and you did not receive money / received
the money ?
(iii) Do you remember in some years you did not suffer any loss but you received money ?

E. Have you experienced any crop loss in the last three years Yes / No
Year / Crop (s) Sum Premium Cause of Crop Loss Total Loss Claim Amount
Season Insured (Rs.) (Drought / Flood / Rains in Rs. (Rs)
(Heavy) / Rains (Low) / if received
Hailstorm / Cyclone /
Fire / Pest / Diseases)

F. If not insured, what other channels / agencies would you look forward for aid / relief ?

1) Sale of Fixed Assets 4) Bank loan 7) Co-operative Society 10) Others

2) Sale of Livestock 5) Borrowing from money 8) Lease of land (Specify)
lender
3) Borrowing from 6) Government Relief 9) Hypothecation of
friends / relatives house / jewellery

G. What is / are the reasons for not availing National Agriculture Insurance Scheme ?

1. Not aware of crop insurance

2. No need of insurance
3. Lack of premium paying capacity

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Annexure 2 : English Questionnaire For Non-Loanee Farmers 

4. Not aware of the facilities available

5. Not satisfied with crops covered
6. Not satisfied with area approach
7. Inadequate publicity of the scheme
8. Nearest bank at a distance
9. Complex documentation
10. Lack of service / co-operation from the bank
11. No faith in scheme / agency
12. Delay in claim payment
13. Not satisfied with indemnity level
14. Difficulties in opening bank account
15. Loan has been taken from sources other than banks
16. Others (specify)

H. Which media would you prefer to know about National Agriculture Insurance Scheme ?

1) Radio 7) Post Office 13) Bank 19) Road Shows

2) Doordarshan 8) Insurance Agents 14) Implementing Agency 20) Group Discussions
3) NGOs 9) PACS 15) Magazines 21) Agriculture Dept
4) Newspapers 10) SMS 16) Kisan Sabha
5) Mobiles 11) Advertisement Hoardings 17) Village Sabha
6) Moneylenders 12) Exhibition 18) Film Show in Village

I. Which insurance service provider(s) would you prefer for availing National Agriculture Insurance
Scheme ?

1) Rural agent at your door step 4) Co-operative Bank 7) NGOs

2) Insurance Agent's Office 5) Regional Rural Bank 8) Post Office
3) Commercial Bank 6) Self Help Groups 9) Others (Specify)

J. When can you pay the premium ?

(1) Monthly (2) Bi-monthly (3) Six Monthly (4) Yearly

K.(a) Live stock holding particulars

1) Cattle – Male 3) Buffalo – Male 5) Sheep 7) Pigs 9) Horse

2) Cattle – Female 4) Buffalo - Female 6) Goats 8) Poultry 10) Others

(b) Are you aware of livestock insurance ? Yes / No

1) Cattle Insurance 3) Horse / Pony / 5) Camel Insurance 7) Inland Fish

Donkey Insurance Insurance Scheme
2) Sheep & Goat 4) Pig Insurance 6) Poultry Insurance
Insurance

Signature : ________________________________ Date : ________________________________

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Annexure 3 : English Questionnaire For Bank / Agencies / Personnel Dealing With Crop Insurance 

QUESTIONNAIRE FOR BANK / AGENCIES / PERSONNEL DEALING WITH CROP INSURANCE

1. Name of the person / agency ___________________________________________________________

2. Designation ___________________________________________________________

3. Bank / Agency Name ___________________________________________________________

4. Branch / Agency Address ___________________________________________________________

___________________________________________________________

5. Are you aware of the NAIS Yes / No

6. If no, specify the reasons ___________________________________________________________

___________________________________________________________

7. How many farmers have taken loan under National Agriculture Insurance Scheme from your bank ?

Farmer Category 2005-2006 2006-2007 2007-2008

Kharif Rabi Kharif Rabi Kharif Rabi
Marginal Farmer
(< 2.5 Acres of land)
Small Farmer
(< 5 Hectares of land)
Medium Farmer
(> 5 Hectares of land)

8. Difficulties, if any, in servicing National Agriculture Insurance Scheme to

Loanee Farmers Non Loanee Farmers

1) 1)
2) 2)
3) 3)
4) 4)

9. What important role(s) banks can play in awareness and publicity of National Agriculture Insurance
Scheme?
a) Display National Agriculture Insurance Scheme posters in bank premises
b) Discuss National Agriculture Insurance Scheme with farmers when they visit bank for loan and other
purposes
c) Handouts on National Agriculture Insurance Scheme like brochures & pamphlets to farmers during
their visit to bank
d) Include, National Agriculture Insurance Scheme as an agenda in various meetings with farmers
e) Others, if any

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Annexure 3 : English Questionnaire For Bank / Agencies / Personnel Dealing With Crop Insurance 

10. Do you think servicing non-borrower farmers gives an opportunity to the bank for developing /
expanding business relationship ?

Yes No Can’t Say

11. In your opinion what is the reasonable premium a farmer can pay ?

a) Upto 2% b) 2 – 3 % c) 3 – 4 % d) 4 – 5 %

12. Do you think crop insurance provides collateral security to bank loan portfolio ? Yes / No

13. In your opinion which insurance service provider(s) is best suited for non-loanee farmers (If more than
one, please rank them in order of preference)
a) Rural agent at door step
b) Insurance Agent's Office
c) Commercial bank
d) Co-operative bank
e) Regional Rural Bank
f) NGOs
g) Self Help Groups
h) Post Office
i) Any other

14. How do you pay the claims ?

a) Pay order b) Inform the Farmer c) Display on the notice board d) In cash

15. What is your experience in settlement of claims ?

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

16. What are your suggestions to improve the awareness of the National Agriculture Insurance Scheme ?

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

17. What are your suggestions for improvement in National Agriculture Insurance Scheme ?

a) Cover more crops f) Insurance service at doorstep / at village level

b) Individual Assessment g) Making scheme voluntary
c) Gram Panchayat as a unit of loss assessment h) CCE’s to be conducted in the presence of
villagers / insurance company’s representatives
d) Reduce premium i) Indemnity level from 60% to 80-90%
e) Quick settlement of claims j) Others

Signature : ________________________________ Date : ________________________________

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Annexure 4 – Marathi Questionnaire For Loanee Farmers

rije•} ciEg[le nzqnl `Nq[rNs azkz&m}

a]sS@>@ azkz&]mk aiz]fsr p[«e 411 045
fon- 020-25234056 /
mo.- 9850042777
~-mel- [email protected]
]d.
Ï]t,
____________________________
____________________________

]vûy : qEx]«k s>qo¡n ÏkLpi>tgRt ÏQnp]wki

s>dªR : p}.Ac.&}. r]jS@^eqn n> Acad/RRC-23/2008-2009/106 ]d. me. 26, 2008.

mhody / mhodyi,
m} nzqnl `Nq[rNs azkz&m}t a]sS@>@ azkz&]mk aiz]fsr yi pdivr nokr}s aihe. m} •}mt} ni˜}bi~ dimodr #ikrs} m]hli
]vüip}# ye˜{n mi. ÏiÆyipk siE. s[ ûmi keskr, yi>Cyi migRdqRni¦il} &izK@re@ kr}t aihe. miÊyi s>qo¡nici ]vûy ‘S@&} aizf ]d
ÏizBleMs azN& ÏizSpeK@s `n ]d `>MPl}meN@eqn aizf ƒizp `Nq[rNs Sk}m `n d S@e@ aizf mhiri»@^’ asi aihe. yi s>qo¡nisi#} mli p}k
]vmi s>b>¡}t kih} mi]ht} sobt jo&leLyi ÏQnp]wket ªšn hv} aihe. m} aiQvisn dete k} aip« ]dlel} mi]ht} h} fKt qEx]«k
upƒmi>si#} viprl} ji~l. sdr mi]ht} g[Pt ri¦l} ji~l.
aip« ]dleLyi mi]ht} ai]« shkiyiRbdÔdl m} aipl} aiªir} aihe. k¬pyi svR ÏQni>c} u…re üiv}t.

aipl} ]vQvis{,

rije•} ciEg[le

siE. rije•} ciEg[le yi nzqnl `Nq[rNs azkz&m}t a]sS@>@ azkz&]mk aiz]fsr yi pdivr nokr}s aihet. Tyi •}mt} ni˜}bi~ dimodr
#ikrs} m]hli ]vüip}# ye˜{n miÊyi migRdqRni¦il} &izK@re@ kr}t aihet. Tyi>ci s>qo¡nici ]vûy ‘S@&} aizf ]d ÏizBleMs azN&
ÏizSpeK@s `n ]d `>MPl}meN@eqn aizf ƒizp `Nq[rNs Sk}m `n d S@e@ aizf mhiri»@^’ asi aihe. Tyi>ni s>qo¡nisi#} ri»@^}y k¬û} ]vmi
yojne s>b>]¡t mi]ht} sobt jo&leLyi ÏQnp]wket ªšn hv} aihe. aip« ]dlel} mi]ht} h} fKt qEx]«k upƒmi>si#} viprl} ji~l
v sdr mi]ht} g[Pt ri¦l} ji~l. siE. rije•} ciEg[le Hi>ni yi kimisi#} svRÏkirce aivQyk shkiyR krive h} ]vn>t}.

&iz. s[ûmi a. keskr

]Ï]Nspizl, az]&qnl cijR
azN& ]rscR gi~&
As.An.&}.@}. ai@RsÔ aZ& kizmsR kizlej fizr ]vmen
p[«e 411038

sobt : qEx]«k s>qo¡n ÏkLpi>tgRt ÏQnp]wki

276 
Annexure 4 – Marathi Questionnaire For Loanee Farmers

ÏQnp]wki kjRdir qetk<yi>si#}

A. £ric} mi]ht}
niv ______________________________ v]&li>ce niv __________________________
vy _____________ vûeR ]qx« __________________________
giv ___________ til{ki __________ ]jLhi ___________ mobi~l________________
Ak{« k[@>{b : mo#e ___________ (+) lhin m[l> ___________ Ak{« _________________

B. qet jm}n}c} mi]ht} (Akr})

1. vg}Rkr« ©o@i qetkr} mÆym qetkr} mo#i qetkr}
(2.5 Akr pexi km} jm}n) (5 Akr pexi km} jm}n) (5 Akr pexi jiSt jm}n)
2. ko«Tyi drine ªi&etTvivr cilviyli ]dle d[s<yic} jm}n ¦>& deU kr«ire qetkr} Pi}k ªig}dir} Svt:
3. qet}ci ]kt} vûiR>ci an[ªv
4. jl]s>cn xewf§ (bigiyt} / ]jriyt}) kor&vih{ p&}k / mi§rin
5. qet}si#} jl]s>cn / pi«} k[#{n hote bor}>>g kilvi tliv ]v]hr pi@ nd} ¡r«
6. ]pki>ce vg}Rkr«
k[#Lyi 2005 - 2006 2006 - 2007 2007 - 2008
]pki>ci ¦r}p rBb} ]vmi s>r]xt ]vmi ¦r}p rBb} ]vmi ]vmi ¦r}p rBb} ]vmi ]vmi
]vmi rKkm hPti s>r]xt hPti s>r]xt hPti
ki*li rKkm rKkm

7. uTpNn ]Kv>@l Ï]t Akr

8. qet} mqigt kriyli Ï]t Akr ]kt} ¦cR ligli
C. vi]ûRk uTpNn
1 p}k uTpNn (š. / vû}R)
2 p}k ]vƒ}t{n jmi ¥ilele pEse
3 qet mj{r (š. / vû}R)
4 pq[piln (š. / vû}R)
5 `tr (š. / vû}R)
i) qet} rojgir
ii) ]bgr qet} rojgir
iii) Vyipir
iv) sevi
v) `tr

277 
Annexure 4 – Marathi Questionnaire For Loanee Farmers

D. ai]˜Rk
1. qet}si#} geLyi vû}R ]k>vi ai¡} u¡ir pEse £etle hote ki ? hoy / nih}
2. jr uTtr ho asel tr ]kt} £etle, Vyij dr v ]kt} vûieR>si#} ?

2005-2006 2006-2007 2007-2008

kjiRc} ¦r}p rBb} ¦r}p rBb} ¦r}p rBb}
rKkm

Vyijdr v
m[dt

3. kjR k[«ik&{n £etle ?

1) bZk 3) sevi xew qi¦i 5) shkir} bZk 7) nitevi~k

2) no&l qi¦i 4) qetk}y sosiy@} 6) sivkir 8) ]mw 9) `tr

4. pEse prt kelele pyiRy

1) qet}mil ]vk{n
2) milm…i ]vk{n
3) aNy kjR
4) `tr - di]gne, pq[ ]vk{n, jm}n ]vk{n

E.(a) t[Mhili ri»@^}y k¬û} ]vmi yojnec} mi]ht} aihe ki ? hoy / nih}

b) jr ho asel tr t[Mh} ri»@^}y k¬û} ]vmi yojni £etl} aihe ki ? hoy / nih}
1. ko«t} ]pke hyit smi]v»# asiyli hv}t ?
2. ]vmi s>r]xt rKkm ]kt} aihe ?
3. jo]¦m Str ]kt} aihe ?
4. ]kt} vûiR>pis{n t[Mh} yi yojnet ªig £et aihit ?
5. yi yojneci ai…ipyRtci t[mci an[ªv kiy aihe ?
6. ai…ipyRt t[Mh} ]kt} ]pk ]vmi hPte ªrle aihe?
7. ai…ipyRt t[Mhili yi yojne pis{n ai]˜Rk n[ksin ªrpi~ ]kt} ve§i ]m§il} aihe ?
8. t[Mhili mi]ht} aihe ki - t[mce n[ksin ¥ile aihe ai]« pEse ]m§ile nih} / ]m§ile aihet?
9. t[Mhili mi]ht} aihe ki - t[mce n[ksin ¥ile nih} ai]« pEse ]m§ile aihet?

c) jr ho asel tr k[#Lyi go»@}>n} t[Mh} ri»@^}y k¬û} ]vmi yojni £eÓyisi#} Ïe]rt ¥ilit
1) bzZk / ]vTt s>S˜iCyi sKt}ne
2) ai]˜Rk s>rx«
3) `tr qetk<yi>ci ci>gli an[ªv
4) `tr kih} (s]vStr ]lhi)

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Annexure 4 – Marathi Questionnaire For Loanee Farmers

F. geLyi t}n vûiRt kih} p}k n[ksin}ci an[ªv aili aihe ki ? hoy / nih}

vûeR / h>gim ]pk p}k n[ksin}ce kir«e Ak{« n[ksin ªrpi~

(d[»ki§ / p{r / piUs (JiSt) / piUs (km}) / giri n[ksin ]kt} ]m§il}
/ cƒ}vid§ / aig / aiEû¡ fvir«e / rog )

G. jr ]vmi £etli nsel tr t[Mh} n[ksin ªrpi~ si#} kqic} mdt Èyil ?

1) milmTtec} ]vƒ} 4) bZzk kjR 7) ko-aizpre]@Vh sosiy@} 10) `tr (s]vStr ]lhi)
2) pq[ ]vk«e 5) sivkir 8) jm}n ªi&etTvivr de«e
3) ]mw / nitevi~k 6) srkir k&{n 9) £r / di]gne / jm}n ghi«

H. t[Mhili k[#Lyi miÆymit{n ri»@^}y k¬û} ]vmi yojnec} mi]ht} hv} aihe ?

1) re]&ao 6) sivkir 11) ji]hrit bo&R 16) ]ksin sªi

2) d{rdqRn 7) poS@ aizf}s 12) ÏdqRn 17) gÑim sªi

3) An.j}.ao 8) ]vmi AJn@ 13) bzk 18) qet} ]vûy} mi]ht}p@

4) vtRmin pw 9) qetk}y sosiy@} 14) A.aiy.s}.aiy. 19) p˜ ni@y

5) mobi~l 10) As.Am.As 15) mi]sk 20) Akw}t cciR 21) qet} ¦ite (Govt)

I. t[Mh} ri»@^}y k¬û} ]vmi yojni £eÓyisi#} k[#Lyi ]vmi seveli Ïi¡iNy üil ?

1) gÑim}« AjN@ t[mCyi dirit 4) shkir} bZk 7) ¦ijg} s>S˜i

2) gÑim}« AjN@ t[mCyi givit 5) xew}y gÑim}« bZk 8) poS@ aizf}s
3) Vyipir} bZk 6) bct g@ 9) `tr (s]vStr ]lhi)

J. t[mci ri»@^}y k¬û} ]vmi yojne s>dRªit kiy an[ªv aihe ?

1. smi¡in}
2. asmi¡in} asÓyic} kir«e

1) ko«t} ]pke hyit 3) ]vmi hPti 5) ap[<yi uplB¡ 7) xew pit§} 9 n[ksin ªrpi~

smi]v»# asiyli hv}t s[]v¡i ]vTt s>S˜Iik&{n moj«}ce xew

2) b}mi ri]q 4) n[ksin ªrpi~ 6) ap[r} mi]ht} (kigd 8 jo]¦m Str 10`tr (s]vStr

]m§Óyic} pÆdt pwe) ]lhi)

279 
Annexure 4 – Marathi Questionnaire For Loanee Farmers

K. ri»@^}y k¬û} ]vmi yojni s[¡irÓyisi#} t[mc} kiy mt> aihet ?

1. jiSt}t jiSt p}ke, p}ke ]vmi ¦il} smi]v»# kriv}t
2. vEy]Ktk pit§}vr phi«}
3. ]vmi hPti km} kr«e
4. n[ksin ªrpi~ lvkrit lvkr kr«e
5. gÑim p>ciyt pit§}vr n[ksin ªrpi~c} moj«}
6. ]vmi mi]ht} t[mCyi dirit / givit
7. p}k kip«} Ïyog - givkr} / ]vmi k>pn} AjN@ hyi>Cyi smor kriv}
8. `tr (s]vStr ]lhi)

L. t[Mh} ªrt asleli ]vmi hPti :

(1) a]¡k Ïmi«it (2) km} (3) vijv} (4) si>g{ qkt nih}

M. n[ksin}ci ]ktpt ªig aip« sos{ qkil JyiCyi p[*e ]vmi k>pn}ne n[ksin ªrpi~ de«e s[š krel _______ @Kke.

N. t[Mhili hvimin ai¡i]rt ]pk ]vmi yojne bddÔl mi]ht} aihe ki ? uTtr ho asel tr ko«Tyi yojni ? ri»@^}y k¬û} ]vmi yojneCyi
t[lnet v t[mCyi an[ªvin[sir hvimin ai¡i]rt ]pk ]vmi yojnece kiy fiyde aihet ?

hvimin ai¡i]rt ]pk ]vmi yojni vûiR ]bmi aiy.s}.aiy.s}.aiy lo>Mbi&R - hvimin ai¡i]rt ]pk ]vmi yojni

______________________________________________________________________

______________________________________________________________________
O.(a) pq[ piln s>dªiRt mi]ht} :

(1) re&i (3) bEl (5) qe§} / bkr} (7) &[Kkr (9) £o&i

(2) MhEs (4) giy (6) me>*} / bok& (8) ko>b&Yii (10) `tr

(b) t[Mhili pq[ piln ]vMyibddÔl mi]ht} aihe ki ? hoy / nih}

(1) bEl / giy (3) £o&i / gi*v (5) u>@ (7) mise
(2) qe§} / bkr} (4) &[Kkr (6) ko>b&Yii

sh} :

Niiv :
]dni>k :

280 
Annexure 5 : Marathi Questionnaire For Non-Loanee Farmers 

ÏQnp]wki ]bgr kjRdir qetk<yi>si#}

A. £ric} mi]ht}
niv ______________________________ v]&li>ce niv __________________________
vy _____________ vûeR ]qx« __________________________
giv ___________ til{ki __________ ]jLhi ___________ mobi~l________________
Ak{« k[@>{b : mo#e ___________ (+) lhin m[l> ___________ Ak{« _________________

B. qet jm}n}c} mi]ht} (Akr})

1. vg}Rkr« ©o@i qetkr} mÆym qetkr} mo#i qetkr}
(2.5 Akr pexi km} jm}n) (5 Akr pexi km} jm}n) (5 Akr pexi jiSt jm}n)
2. ko«Tyi drine ªi&etTvivr cilviyli ]dle d[s<yic} jm}n ¦>& deU kr«ire qetkr} Pi}k ªig}dir} Svt:
3. qet}ci ]kt} vûiR>ci an[ªv
4. jl]s>cn xewf§ (bigiyt} / ]jriyt}) kor&vih{ p&}k / mi§rin
5. qet}si#} jl]s>cn k[#{n hote b>or}>g kilvi tliv ]v]hr pi@ nd}
6. ]pki>ce vg}Rkr«
k[#Lyi 2005 - 2006 2006 - 2007 2007 - 2008
]pki>ci ¦r}p rBb} ]vmi s>r]xt ]vmi ¦r}p rBb} ]vmi ]vmi ¦r}p rBb} ]vmi ]vmi
]vmi rKkm hPti s>r]xt hPti s>r]xt hPti
ki*li rKkm rKkm

7. uTpNn ]Kv>@l Ï]t Akr

8. qet} mqigt kriyli Ï]t Akr ]kt} ¦cR ligli

C. a>dije vi]ûRk uTpNn

1 p}k uTpNn (š. / vû}R)

2 p}k ]vƒ}t{n jmi ¥ilele pEse (š.)
3 qet mj{r (š. / vû}R)
4 pq[piln (š. / vû}R)
5 `tr (š. / vû}R)
i) qet} rojgir
ii) ]bgr qet} rojgir
iii) Vyipir
iv) sevi
v) `tr

281
Annexure 5 : Marathi Questionnaire For Non-Loanee Farmers 

D.(a) t[Mhili ri»@^}y k¬û} ]vmi yojnec} mi]ht} aihe ki ? hoy / nih}

b) jr ho asel tr t[Mh} ri»@^}y k¬û} ]vmi yojni £etl} aihe ki ? hoy / nih}
1. k[#le ]pke hyit smi]v»# asiyli hv}t ?
2. ]vmi s>r]xt rKkm ]kt} aihe ?
3. jo]¦m Str ]kt} ki ?
4. ]kt} vûiR>pis{n t[Mh} yi yojnet ªig £et aihit ?
5. yi yojneci ai…ipyRtci t[mci an[ªv kiy aihe ?
6. ai…ipyRt t[Mh} ]kt} ]pk ]vmi hPte ªrle aihe?
7. ai…ipyRt t[Mhili yi yojne pis{n ai]˜Rk n[ksin ªrpi~ ]kt} ve§i ]m§il} aihe ?
8. t[Mhili mi]ht} aihe ki - t[mce n[ksin ¥ile aihe ai]« pEse ]m§ile nih} / ]m§ile aihet?
9. t[Mhili mi]ht} aihe ki - t[mce n[ksin ¥ile nih} ai]« pEse ]m§ile aihet?

E. geLyi t}n vûi>eRt kih} p}k n[ksin}ci an[ªv aili aihe ki ? hoy / nih}

vûeR / h>gim ]pk p}k n[ksin}ce kir«e Ak{« n[ksin ªrpi~

(d[»ki§ / p{r / piUs (JiSt) / piUs (km}) / giri n[ksin ]kt} ]m§il}
/ cƒ}vid§ / aig / aiEû¡ fvir«e / rog )

F. jr ]vmi £etli nsel tr t[Mh} n[ksin ªrpi~ si#} kqic} mdt Èyil ?

1) milmTtec} ]vƒ} 4) bzk kjR 7) ko-aizpre]@Vh sosiy@} 10) `tr (s]vStr ]lhi)
2) Ïi«} ]vk«e 5) sivkir 8) jm}n ªi&etTvivr de«e
3) ]mw / nitevi~k 6) srkir k&{n 9) £r / di]gne / jm}n ghi«

G. t[Mh} ri»@^}y k¬û} ]vmi yojni n £etLyic} kir«> üi ?

1. p}k ]vMyic} mi]ht} nih}

2. ]vMyic} grj nih}
3. hPti ªrÓyic} tikd nih}
4. ]m§«i<yi soy}bddÔl jigškti nih}
5. p}k ]vmi u…rvleLyi ]pki>Cyi vg}Rkr«ibddÔl t[Mh} asmi¡in} aihit kiy?
6. xew pit§} bddÔl asmi¡in}
7. p}k ]vMyic} km} ji]hrit
8. jv§ bZk nih}
9. smjiyli av£& kigdpwe
10. bZkek&{n sevi v mdt uplB¡ nih}
11. yojne mÆye ]vQvis nih}
12. n[ksin ªrpi~ uq}ri ]m§te
13. jo]¦m Str asmi¡in}
14. bZket ¦ite u£&Óyis wis
15. bZke Vy]t]rKt `tr s>S˜i>k&{n kjR £etle aihe
16. `tr

282
Annexure 5 : Marathi Questionnaire For Non-Loanee Farmers 

H. ko«Tyi miÆymi>t{n t[Mhili ri»@^}y k¬û} ]vmi yojni bddÔl mi]ht} Èyiyli aiv&el ?

1) re]&ao 6) sivkir 11) ji]hrit bo&R 16) ]ksin sªi

2) d{rdqRn 7) poS@ aizf}s 12) ÏdqRn 17) gÑim sªi

3) An.j}.ao 8) ]vmi AJn@ 13) bzk 18) qet} ]vûy} mi]ht}p@

4) vtRmin pw 9) qetk}y sosiy@} 14) A.aiy.s}.aiy. 19) p˜ ni@y

5) mobi~l 10) As.Am.As 15) mi]sk 20) Akw}t cciR 21) qet} ¦ite (Govt)

I. t[Mh} ri»@^}y k¬û} ]vmi yojni £eÓyisi#} k[#Lyi ]vMyi seveli Ïi¡iNy üil ?

1) gÑim}« AjN@ t[mCyi dirit 4) shkir} bZk 7) ¦ijg} s>S˜i

2) gÑim}« AjN@ t[mCyi givit 5) xew}y gÑim}« bZk 8) poS@ aif}s
3) Vyipir} bZk 6) bct g@ 9) `tr (s]vStr ]lhi)

J. t[Mh} ]vmi hPti k¡} ªš qkti ?

(1) m]hNyili (2) ]tmih} (3) shimh} (4) vi]ûRk

K.(a) pq[ piln s>dªiRt mi]ht} :

(1) re&i (3) bEl (5) qe§} / bkr} (7) &[Kkr (9) £o&i

(2) MhEs (4) giy (6) me>*} / bok& (8) ko>b&Yii (10) `tr

(b) t[Mhili pq[ piln ]vMyibddÔl mi]ht} aihe ki ? hoy / nih}

1) bEl / giy 3) £o&i / gi*v 5) u>@ 7) mise

2) qe§} / bkr} 4) &[Kkr 6) ko>b&Yii

sh} :

Niiv :
]dni>k :

283
 Annexure 6 : English Questionnaire For Bank / Agencies / Personnel Dealing With Crop Insurance 

ÏQnp]wki - bZk / AjNs} / ]pk ]vmi s>dªiRt kim kr«ire a]¡kir}

1. VyKt}ce niv ______________________________________________________

2. h[ddÔi ______________________________________________________

3. bZkece / AjNs} ce niv _____________________________________________________

4. bZkeci / AjNs} ci pTti ____________________________________________________

5. t[Mhili ri»@^}y k¬û} ]vmi yojne bddÔl mi]ht} aihe ki ? hoy / nih}

6. jr nsel, tr kir«> üi

_________________________________________________________________

_________________________________________________________________

7. t[mCyi bZke k&{n ]kt} qetk<yi>n} ri»@^}y k¬û} ]vmi yojnesi#} kjR £etle aihe ?

qetkr} vg}Rkr« 2005-2006 2006-2007 2007-2008

©o@i qetkr} ¦r}p rBb} ¦r}p rBb} ¦r}p rBb}
(2.5 Akr pexi km} jm}n)
mÆym qetkr}
(5 Akr pexi km} jm}n)
mo#i qetkr}
(5 Akr pexi jiSt jm}n)

8. ri»@^}y k¬û} ]vmi yojnesi#} qetk<yi>ni sevi deÓyisi#} t[Mhili kiy a&c«} yetit ?

kjRdir qetk<yi>si#} ]vgr kjRdir qetk<yi>si#}

1) 1)
2) 2)
3) 3)
4) 4)

9. ri»@^}y k¬û} ]vmi yojnec} ji]hrit v jigškti krÓyisi#} bZkeci ]kt} mo#i vi@i aihe ?
(1) bZkeCyi aivirit ri»@^}y k¬û} ]vmi yojni c} ji]hrit kr«e
(2) qetkr} jeVhi bZket kjR £eÓyisi#} yetit teVhi t[Mh} Tyi>ni ri»@^}y k¬û} ]vmi yojnec} mi]ht} deti ki ?
(3) qetkr} jeVhi bZket yetit teVhi t[Mh} Tyini ri»@^}y k¬û} ]vmi yojnec} mi]ht} pwk> deti ki ?
(4) qetk<yi>Cyi sªemÆye t[Mh} Tyi>ni ri»@^}y k¬û} ]vmi yojni mi]ht} deti ki ?
(5) `tr kih}

 284 
 Annexure 6 : English Questionnaire For Bank / Agencies / Personnel Dealing With Crop Insurance 

10. t[Mhili ase vi@te ki k} Jyi qetk<yi>n} kjR £etle nih} Tyi qetk<yi>ni sevi ]dLyim[§e t[mCyi uTpNnit vi* ho~l ?

ho Niih} si>g{ qkt nih}

11. t[mCyi mte qetk<yi>ni ]kt} km} hPti prv&{ qkto ?

1) 2 @Kke pyRt 2) 2-3 @Kke 3) 3-4 @Kke 4) 4-5 @Kke

12. t[Mhili ase vi@te ki k} ri»@^}y k¬û} ]vmi yojni t[Mhili bZkesi#} s[r]xtti de~l ? hoy / nih}

13. t[mCyi mte ]bgr kjR qetk<yi>ni ri»@^}y k¬û} ]vmi yojni £eÓyisi#} k[#Lyi ]vmi seveli Ïi¡iNy üil ? (u…r Akipexi jiSt} asel
tr Ïi¡iNyƒmine ]lhi)
1) gÑim}« AjN@ t[mCyi dirit
2) gÑim}« AjN@ t[mCyi givit
3) Vyipir} bZk
4) shkir} bZk
5) xew}y gÑim}« bZk
6) ¦ijg} s>S˜i
7) bct g@
8) poS@ aizf}s
9) `tr (s]vStr ]lhi)

14. t[Mh} nksin ªrpi~ kq} krti ?

1) pe aiz&Rr 2) qetk<yili si>gti ki ? 3) bZkeCyi mi]ht} flkivr livti ki ? 4) ro¦ deti ki ?

15. n[ksin ªrpi~ krtini t[Mhili kiy an[ªv yetit ?

_________________________________________________________________
_________________________________________________________________

16. qetk<yi>si#} ri»@^}y k¬û} ]vmi yojnec} jigškti vi*vÓyisi#} t[mc} kiy mt> aihet ?
_________________________________________________________________
_________________________________________________________________
17. ri»@^}y k¬û} ]vmi yojni s[¡ir«I>si#} t[Mh} kih} s{cni kš `]C©ti ki ?

1) jiSt}t jiSt p}ki>ci p}k ]vmi yojne a>tgRt smiveq krivi 6) ]vmi sevi t[mCyi dirit / givit
2) vEy]Ktk pit§}vr phi«} 7) yojni Ae]C©k asiv}
3) gÑim p>ciyt pit§}vr n[ksin ªrpi~c} moj«} 8) p}k kip«} Ïyog - givkr} / ]vmi k>pn} AjN@ hyi>Cyi smor kriv}
4) ]vmi hPti km} kr«e 9) jo]¦m Str 60 @Kke všn 90 @Kke>vr ne«e
5) n[ksin ªrpi~ lvkrit lvkr kr«e 10) `tr

sh} :
Niiv :
]dni>k :

 285 
Annexure 7 – NAIS Scheme 

NATIONAL AGRICULTURAL INSURANCE SCHEME (NAIS)

Background and earlier attempts at Crop Insurance

In a country like India, where crop production has been subjected to vagaries of
weather and large-scale damages due to attack of pests and diseases, crop
insurance assumes a vital role in the stable growth of the sector.

An All-Risk Comprehensive Crop Insurance Scheme (CCIS) for major crops was
introduced in 1985, coinciding with the introduction of the Seventh-Five-year
plan and subsequently replaced by National Agricultural Insurance Scheme
(NAIS) w.e.f. 1999-2000. These Schemes have been preceded by years of
preparation, studies, planning, experiments and trials on a pilot basis.

National Agricultural Insurance Scheme (NAIS)

Keeping in view the demands of States for improving scope and contents of
CCIS, a broad-based "National Agricultural Insurance Scheme (NAIS)" was
introduced in the country w.e.f Rabi 1999-2000 season. The Scheme is
administered by the Ministry of Agriculture and initially implemented by General
Insurance Corporation of India on their behalf. The Scheme besides food crops &
oilseeds, also covers annual commercial / horticultural crops. During the 1st year,
cotton, sugarcane and potato were covered and during the 2nd year, four more
crops, viz. onion, chillies, turmeric & ginger have been included and in 3rd year,
jute, tapioca, annual banana & pineapple have been added under annual
commercial / horticultural crops.

Crop Insurance Schemes

National Agricultural Insurance Scheme (NAIS)
(Rashtriya Krishi Bima Yojana - RKBY)

Objectives

The objectives of the NAIS are as under:-

1. To provide insurance coverage and financial support to the farmers in the

event of failure of any of the notified crop as a result of natural calamities,
pests & diseases.
2. To encourage the farmers to adopt progressive farming practices, high
value inputs and higher technology in Agriculture.
3. To help stabilise farm incomes, particularly in disaster years.

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Annexure 7 – NAIS Scheme 

1. CROPS COVERED:

The Crops in the following broad groups in respect of which i) the past
yield data based on Crop Cutting Experiments (CCEs) is available for
adequate number of years, and ii) requisite number of CCEs are conducted
for estimating the yield during the proposed season:

1. Food crops (Cereals, Millets & Pulses)

2. Oilseeds
3. Sugarcane, Cotton & Potato (Annual Commercial / annual Horticultural
crops)

Other annual Commercial / annual Horticultural crops subject to

availability of past Yield data will be covered in a period of three years.
However, the crops which will be covered next year will have to be spelt
before the close of preceding year.

2. STATES AND AREAS TO BE COVERED:

The Scheme extends to all States and Union Territories. The States / UTs
opting for the Scheme, would be required to take up all the crops
identified for coverage in a given year.

Exit clause : The States / Union Territories once opting for the Scheme,
will have to continue for a minimum period of three years.

3. FARMERS TO BE COVERED:

All farmers including sharecroppers, tenant farmers growing the notified

crops in the notified areas are eligible for coverage.

The Scheme covers following groups of farmers:

a. On a compulsory basis :All farmers growing notified crops and

availing Seasonal Agricultural Operations (SAO) loans from
Financial Institutions i.e. Loanee Farmers.
b. On a voluntary basis: All other farmers growing notified crops
(i.e., Non-Loanee farmers) who opt for the Scheme.

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Annexure 7 – NAIS Scheme 

4. RISKS COVERED & EXCLUSIONS:

Comprehensive risk insurance will be provided to cover yield losses due

to non preventable risks, viz.:

a. Natural Fire and Lightning

b. Storm, Hailstorm, Cyclone, Typhoon, Tempest, Hurricane,
Tornado etc.
c. Flood, Inundation and Landslide
d. Drought, Dry spells
e. Pests/ Diseases etc.

Losses arising out of war & nuclear risks, malicious damage & other
preventable risks shall be excluded.

5. SUM INSURED / LIMIT OF COVERAGE:

The Sum Insured (SI) may extend to the value of the Threshold Yield
(TY) of the insured crop at the option of the insured farmers. However, a
farmer may also insure his crop beyond value of Threshold Yield level
upto 150% of Average Yield (AY) of notified area on payment of
premium at commercial rates.

In case of Loanee farmers the Sum Insured would be at least equal to the
amount of crop loan advanced.

Further, in case of Loanee farmers, the Insurance Charges shall be an

additionality to the Scale of Finance for the purpose of obtaining loan.

In matters of Crop Loan disbursement procedures, guidelines of RBI /

NABARD shall be binding.

6. PREMIUM RATES:

S.No. Season Crops Premium rate

1 Kharif Bajra & Oilseeds 3.5% of SI or Actuarial
rate, whichever is less
Other crops (cereals, other 2.5% of SI or Actuarial
millets & pulses) rate, whichever is less
2 Rabi Wheat 1.5% of SI or Actuarial
rate, whichever is less
Other crops (other cereals, 2.0% of SI or Actuarial
millets, pulses & oilseeds) rate, whichever is less
3 Kharif & Annual Commercial / Annual Actuarial rates
Rabi Horticultural crops

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Annexure 7 – NAIS Scheme 

Transition to the actuarial regime in case of cereals, millets, pulses &

oilseeds would be made in a period of five years. The actuarial rates shall
be applied at District / Region / State level at the option of the State
ovt./UT.

7. PREMIUM SUBSIDY:

50% subsidy in premium is allowed in respect of Small & Marginal

farmers, to be shared equally by the Government of India and State/UT
Govt. The premium subsidy will be phased out on a sunset basis in a
period of three to five years, subject to review of the financial results and
the response of the farmers at the end of the first year of the
implementation of the Scheme.

The definition of Small and Marginal farmer would be as follows:

SMALL FARMER : A Cultivator with a land holding of 2 hectares (5

acres) or less, as defined in the land ceiling legislation of the concerned
State/ UT.

MARGINAL FARMER : A Cultivator with a land holding of 1 hectare

or less (2.5 acres).

8. SHARING OF RISK:

Risk will be shared by Implementing Agency (IA) and the Government in

the following proportion:

a. Food crops & Oilseeds: Till complete transition to actuarial

regime in a period of five years takes place, claims beyond 100%
of premium will be borne by the Government. Thereafter, all
normal claims, i.e., claims upto 150% of premium will be met by
IA and claims beyond 150% shall be paid out of Corpus Fund for a
period of three years. After this period of three years, claims upto
200% will be met by IA and above this ceiling, out of the Corpus
Fund.
b. Annual Commercial / Annual Horticultural crops:
Implementing Agency shall bear all normal losses, i.e. claims upto
150% of premium in the first three years and 200% of premium
thereafter subject to satisfactory claims experience. The claims
beyond 150% of premium in the first three years and 200% of
premium thereafter shall be paid out of Corpus Fund. However,
the period of three years stipulated for this purpose will be
reviewed on the basis of the financial results after the first year of
implementation and the period will be extended to five years if
considered necessary.

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Annexure 7 – NAIS Scheme 

To meet Catastrophic losses, a Corpus Fund shall be created with

contributions from the Government of India and State Govt / UT on 50:50
basis. A portion of Calamity Relief Fund (CRF) will be used for
contribution to the Corpus Fund.

9. AREA APPROACH AND UNIT OF INSURANCE:

The Scheme would operate on the basis of 'Area Approach' i.e., Defined
Areas for each notified crop for widespread calamities and on an
individual basis for localised calamities such as hailstorm, landslide,
cyclone and flood. The Defined Area (i.e., unit area of insurance) may be
a Gram Panchayat, Mandal, Hobli, Circle, Phirka, Block, Taluka etc. to be
decided by the State/UT Govt. However, each participating State /UT
Govt. will be required to reach the level of Gram Panchayat as the unit in a
maximum period of three years.

Individual based assessment in case of localised calamities, to begin with,

would be implemented in limited areas on experimental basis initially and
shall be extended in the light of operational experience gained. The
District Revenue administration will assist Implementing Agency in
assessing the extent of loss.

10. SEASONALITY DISCIPLINE:

a. The broad seasonality discipline followed for Loanee farmers will be as

under:

Activity Kharif Rabi

Loaning period April to September October to next March
Cut-off date for receipt November May
of Declarations
Cut-off date for receipt January / March July / September
of yield data

b. The broad cut-off dates for receipt of proposals in respect of Non-loanee

farmers will be as under :

Kharif season : 31st July

Rabi season : 31st December

However, seasonality discipline may be modified, if and where necessary

in consultation with State / UT and the Govt. of India.

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Annexure 7 – NAIS Scheme 

11. ESTIMATION OF CROP YIELD:

The State/UT Govt. will plan and conduct the requisite number of Crop
Cutting Experiments CCEs for all notified crops in the notified insurance
units in order to assess the crop yield. The State / UT Govt. will maintain
single series of Crop Cutting Experiments (CCEs) and resultant Yield
estimates, both for Crop Production estimates and Crop Insurance.

Crop Cutting Experiments (CCEs) shall be undertaken per unit area /per
crop, on a sliding scale, as indicated below:

S.No. Unit Area Minimum number of

CCEs required to be done
1 Taluka / Tehsil / Block 16
2 Mandal / Phirka / any other smaller 10
unit area comprising 8-10 villages
3 Gram Panchayat comprising 4-5 08
villages

A Technical Advisory Committee (T.A.C.) comprising representatives

from N.S.S.O., Ministry of Agriculture (G.O.I.) and IA shall be
constituted to decide the sample size of CCEs and all other technical
matters.

12. LEVELS OF INDEMNITY & THRESHOLD YIELD:

Three levels of Indemnity, viz., 90%, 80% & 60% corresponding to Low
Risk, Medium Risk & High Risk areas shall be available for all crops
(cereals, millets, pulses & oilseeds and annual commercial / annual
horticultural crops) based on Coefficient of Variation (C.V.) in yield of
past 10 years' data. However, the insured farmers of unit area may opt for
higher level of indemnity on payment of additional premium based on
actuarial rates.

The Threshold yield (TY) or Guaranteed yield for a crop in an Insurance

Unit shall be the moving average based on past three years Average Yield
in case of Rice & Wheat and five years Average Yield in case of other
crops, multiplied by the level of indemnity.

13. NATURE OF COVERAGE AND INDEMNITY:

If the 'Actual Yield' (AY) per hectare of the insured crop for the defined
area [on the basis of requisite number of Crop Cutting Experiments
(CCEs)] in the insured season, falls short of the specified 'Threshold Yield'
(TY), all the insured farmers growing that crop in the defined area are

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Annexure 7 – NAIS Scheme 

deemed to have suffered shortfall in their yield. The Scheme seeks to

provide coverage against such contingency.

'Indemnity' shall be calculated as per the following formula :

Shortfall in Yield
_______________ X Sum Insured for the farmer

Threshold yield

{Shortfall in Yield = 'Threshold Yield - Actual Yield' for the Defined

Area}.

13A. INDEMNITY IN CASE OF LOCALISED RISKS:

Loss assessment and modified indemnity procedures in case of occurrence

of localized perils, such as hailstorm, landslide, cyclone and flood where
settlement of claims will be on individual basis, shall be formulated by IA
in coordination with State / UT Govt.

The loss assessment of localized risks on individual basis will be

experimented in limited areas initially and shall be extended in the light of
operational experience gained. The District Revenue administration will
assist IA in assessing the extent of loss.

14. PROCEDURE FOR APPROVAL & SETTLEMENT OF CLAIMS:

Once the Yield Data is received from the State/UT Govt. as per the
prescribed cut-off dates, claims will be worked out and settled by IA.

The claim cheques along with claim particulars will be released to the
individual Nodal Banks. The Banks at the grass-root level, in turn, shall
credit the accounts of the individual farmers and display the particulars of
beneficiaries on their notice board.

In the context of localised Phenomenon viz. Hailstorm, landslide, cyclone

and flood, the IA shall evolve a procedure to estimate such losses at
individual farmer level in consultation with DAC/State/UT. Settlement of
such claims will be on individual basis between IA and insured.

15. FINANCIAL SUPPORT TOWARDS ADMINISTRATION &

OPERATING (A&O) EXPENSES:

The A&O expenses would be shared equally by the Central Government

& respective State Government on sunset basis [ 100% in 1st year, 80% in

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2nd year, 60% in 3rd year, 40% in 4th year, 20% in 5th year and 'zero'
thereafter ].

16. CORPUS FUND:

To meet Catastrophic losses, a Corpus Fund shall be created with

contributions from the Government of India and State / UT on 50:50 basis.
A portion of Calamity Relief Fund (CRF) shall be used for contribution to
the Corpus Fund.

The Corpus Fund shall be managed by Implementing Agency (IA).

17. REINSURANCE COVER:

Efforts will be made by IA to obtain appropriate reinsurance cover for the

proposed NAIS in the international Reinsurance market.

18. MANAGEMENT OF THE SCHEME, MONITORING AND

REVIEW:

In respect of Loanee farmers, the Banks shall play the same role as under
CCIS.

In respect of non-Loanee farmers, Banks shall collect the premium along

with the Declarations and send it to IA within the prescribed time limits.
However, in areas where IA has requisite infrastructure, a non-loanee
farmer will have option to send premium along with Declaration directly
to IA within the time limits.

Selection of the Banks will be on the basis of Service Area Approach

(SAA) of RBI or at the option of the Banks (where Co-operative Banks
have good network). The Department of Agriculture, Agricultural
Statistics, Directorate of Economics and Statistics, Department of Co-
operation, Revenue Department of the State Government will be actively
involved in smooth implementation of the Scheme.

The Scheme will be implemented in accordance with the operational

modalities as worked out by IA, in consultation with Department of
Agriculture & Co-operation.

During each crop season, the agricultural situation will be closely

monitored in the implementing States / Union Territories. The State / UT
Department of Agriculture and district administration shall set up a
District Level Monitoring Committee (DLMC), who will provide
fortnightly reports of Agricultural situation with details of area sown,

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seasonal weather conditions, pest incidence, stage of crop failure (if any)
etc.

The operation of the Scheme will be reviewed annually, and modifications

as may be required would be introduced. Periodic Appraisal Reports on
the Scheme would be prepared by Ministry of Agriculture, the
Government of India / Implementing Agency.

19. IMPLEMENTING AGENCY (IA):

An exclusive Organization would be set up in due course, for

implementation of NAIS. Until such time as the new set up is created, the
'GIC of India' will continue to function as the Implementing Agency.

20. BENEFITS EXPECTED FROM SCHEME:

The Scheme is expected to:

• be a critical instrument of development in the field of crop production,

providing financial support to the farmers in the event of crop failure.
• encourage farmers to adopt progressive farming practices and higher
technology in Agriculture.
• help in maintaining flow of agricultural credit.
• provide significant benefits not merely to the insured farmers, but, to
the entire community directly and indirectly through spill-over and
multiplier effects in terms of maintaining production & employment,
generation of market fees, taxes etc. and net accretion to economic
growth.
• streamline loss assessment procedures and help in building up huge
and accurate statistical base for crop production.

ROLE PLAY OF VARIOUS AGENCIES:

(A) ROLE & RESPONSIBILITIES OF FINANCIAL INSTITUTIONS

(FIs) :

For the purpose of the Scheme, the Scheduled Institutions engaged in

disbursing SAO loans as per the relevant guidelines of NABARD / RBI
will be reckoned as Financial Institutions.

Each scheduled Commercial bank shall with concurrence of IA fix Nodal

points which would deal with IA on behalf of branches in the division /
district / state. The Nodal points for Commercial banks will be minimum
one level above the Branch office. The Nodal points for Cooperative
banks will be DCC Banks and those for RRBs, their Head Office.

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Nodal points would be designated for implementation and these banks

would attend to the following functions:

1. On receipt of the communication on notification of crops and areas

from the State Govt./ UT, the Nodal banks will communicate the
same to the branch offices under their control.
2. The FIs would advance additional loan to Loanee farmers to meet
requirement of Insurance charges / premium as applicable upto the
extent of crop loan.
3. Each such Nodal point would submit crop-wise, defined area-wise,
monthly Crop insurance Declarations to the Office of IA, in the
prescribed format, along with Insurance charges payable on all
crop loans coming under the purview of the Scheme in case of
Loanee farmers and based on Proposals received in case of other
farmers.
4. The Apex FIs shall issue appropriate instructions to Nodal banks as
well as crop loan disbursing branches to ensure smooth functioning
of the Scheme.
5. For insurable crop loans disbursed under Kissan Credit Card
(KCC), the FIs shall maintain all controls and records as required
under the Scheme.

Other Responsibilities of FIs will be:

• To educate the farmers on the Scheme features.

• To guide the farmers in filing the proposal forms and collecting the
required documents.
• Following the guidelines while disbursing crop loans and ensuring
proper end-use of loan disbursed.
• To prepare the consolidated statements for Loanee and Non-
Loanee members, forwarding the same to the branch along with
the premium amount.
• Maintaining the records of proposal forms, other relevant
documents, statements for the purpose of verification by the
district committee or representative of the insurer.

SPECIAL CONDITIONS FOR FIS / NODAL BANKS / LOAN DISBURSING

POINTS:

• FIs will submit Crop Insurance Declarations to IA on monthly

basis, where sum insured is on the basis of amount of loan
disbursed and within one month time from cut-off date for receipt
of proposals, where sum insured is on any other basis.
• Claims received by the Nodal points, will be remitted to individual
branches/PACS with all particulars within seven days and these
branches/PACS will in turn credit the Accounts of beneficiary

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farmers within seven days. The list of beneficiary farmers with

claim amount will be displayed by the branch / PACS.
• The IA will have access to all relevant records/ledgers at the Nodal
point/Branch/PACS at all times.
• The IA will be provided with all the norms / guidelines relating to
SAO crop loan disbursements as formulated by RBI / NABARD.
Any amendments / simplification of procedures / norms from time
to time will be duly made available to IA by the concerned
institutions. In the absence of such communication, IA shall be free
to not take cognisance of such modifications.
• In case a farmer is deprived of any benefit under the Scheme due
to errors / omissions / commissions of the Nodal
Bank/Branch/PACS, the concerned institutions only shall make
good all such losses.
• If the farmer is adopting mixed cropping, the sum insured of a crop
should be on the basis of it's proportionate area in the mixed
cropping.

(B) ROLE & RESPONSIBILITIES OF STATE GOVERNMENT / UT

ADMINISTRATION :

• The State Government / UT will notify crop wise notified areas

and premium rates as applicable (in case of
commercial/horticultural crops) well in advance of each crop
season.
• The State Government / UT administration would, in advance
provide to the IA, Unit Area-wise yield data of immediate past 10
years for all crops notified under the Scheme.
• To the extent possible, the State Government / UT administration
would notify smaller defined areas for various crops, keeping in
mind that smaller areas will be more homogeneous and would be
more reflective of all crop losses, including localized perils like
hailstorm, landslide etc.
• The State Government shall issue the requisite Notification and
communicate to all participating FIs during every crop season.
The Notification of the State Government may essentially contain
the following information:

• Crops and Defined areas notified in various districts.

• Premium rates and subsidy, if and as applicable for various
groups of farmers and crops.
• The cut-off dates for collection of proposals and remittance of
premium with Crop Insurance Declarations to IA.

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• The State / UT administration will release it's contribution to

Corpus Fund as per the scale and dates fixed by MOA, the
Government of India.
• The State / Union Territory administration would ensure that
Crop Estimation Surveys (CES) in general, and estimation
procedures in case of multiple picking crops in particular be
strengthened in order to furnish accurate estimates of yield.
Further, the State / UT administration will assist IA in
assessing the extent of crop loss of individual insured farmers
due to operation of localised perils.
• To set up various monitoring Committees as required.
• The final Yield data in the standard format for all Unit Areas
for notified crops for the crop season will be furnished to IA
within the stipulated date.
• In case, the State /UT administration fail to furnish yield data
based on requisite number of CCEs or fail to furnish yield data
within the stipulated date, responsibility of such claims, if any
arising out of such data will totally rest with State / UT
administration.
• The IA will be allowed unrestricted access to records of CCEs
at grass root / District / State level.
• State Government / UT admn. shall set up District Level
Monitoring Committee (DLMC), headed by the District
Magistrate. The members will be District Agriculture Officer,
DCCB, Lead Bank representative and IA. The committee will
monitor implementation of Scheme by providing fortnightly
crop condition reports and periodical reports on seasonal
weather conditions, loans disbursed, extent of area cultivated,
etc. The DLMC shall also monitor conduct of CCEs in the
district.
• As the Scheme is optional to Non-loanee farmers, adequate
publicity will be provided to ensure maximum coverage of
farmers through all means available at the disposal of State /
UT administration.

(C) ROLE AND RESPONSIBILITIES OF THE IMPLEMENTING

AGENCY (IA):

• Implementing Agency of the Scheme.

• The IA shall open separate Accounts to deal with Corpus Fund and
also premiums received under the Scheme.
• Building up crop yield database and preparation of Actuarial
premium rates through a Professional agency.
• Underwriting and Claims finalization.
• Responsibility for claims to the extent mentioned in the Scheme.
• Negotiating Re-insurance arrangement in the international market.

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• Co-ordination in organizing training, awareness, publicity

programmes.
• Providing returns / statistics to the Government of India.
• Examining and exploring possibilities of setting up separate
agency for implementation of the Scheme.

(D) DUTIES OF FARMERS :

• 1.As the Scheme is compulsory for all Loanee farmers availing

SAO loans for notified crops, it is mandatory for all Loanee
farmers to insist on coverage of all eligible loans (as per the
Scheme provisions) under the Scheme.
• 2. If the farmer is adopting mixed cropping, the proportion of
different crops in a mixed cropping will have to be compulsorily
declared.
• In respect of Non-loanee farmers, the Proposals will be accepted
only upto stipulated cut-off date, which will be decided in
consultation with State Government / UT admn.

The important duties in case of Non-loanee farmers are as follows:

• The farmer desiring coverage should have an Account in the

branch of the designated bank.
• The farmer must approach the designated branch / PACS and
submit the proposal form in the prescribed format.
• The farmer must provide documentary evidence in regard to the
possession of cultivable land (copy of the pass book, 7/12 / land
extract or land revenue receipt should be enclosed).
• The farmer must furnish area sown confirmation certificate, if
required.

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The details of participating States / Uts and major crops covered

during Kharif & Rabi seasons :

Sr. No. State Crops covered

KHARIF (2002) RABI (2002-03)
1 Andhra Paddy, Jowar, Bajra, Maize, Ragi, Paddy, Jowar
Pradesh Korra, Black gram, Green gram, (UI), Maize, Ragi,
Red gram, Groundnut (I), Black gram,
Groundnut (UI), Castor, Sesamum, Green gram,
Sunflower, Sugarcane (Plant), Groundnut,
Sugarcane (Ratoon), Cotton (I), Sunflower, Onion
Cotton (UI) and Red Chilly and Red chilly.
2 Assam Ahu Paddy and Sali Paddy Boro Paddy,
Wheat, Rape &
Mustard, Potato
and Sugarcane
3 Bihar Paddy, Maize, Banana and Red Wheat, Lentil,
Chilly Gram, Red gram,
Rape seed &
Mustard, Onion,
Potato and
Sugarcane
4 Chhattisgarh Paddy (I), Paddy (UI), Jowar, Wheat (I), Wheat
Maize, Kodo-kutki, Red Gram, (UI), Gram,
Groundnut, Sesamum and Linseed, Rape &
Soyabean Mustard and
Potato
5 Goa Paddy, Groundnut, Pulses, Ragi Paddy,
and Sugarcane Groundnut, Pulses
and Sugarcane
6 Gujarat Paddy, Jowar, Bajra, Maize, Black Wheat (UI),
gram, Green gram, Beans, Red Wheat (I), Gram,
gram, Ragi, Castor, Groundnut, Summer Bajra,
Sesamum and Cotton Summer
Groundnut, Rape
seed & Mustard
and Potato
7 Himachal Paddy, Maize and Potato Wheat and Barley
Pradesh
8 Jharkhand Paddy, Maize Wheat, Gram, Red
Gram, Lentil, and
Mustard

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Sr. No. State Crops covered

KHARIF (2002) RABI (2002-03)
9 Karnataka Paddy(I), Paddy (RF), Jowar, Paddy, Jowar,
Bajra, Maize (I), Maize (RF), Ragi, Wheat (I), Ragi,
Red gram, Black gram, Green Wheat (UI),
gram, Groundnut, Soyabean, Sunflower, Gram,
Sunflower, Cotton (I), Cotton (RF), Safflower,
Sugarcane, Potato and Onion Groundnut, Maize
(I), Blackgram,
Greengram,
Horsegram,
Linseed and
Potato
10 Kerala Paddy Rabi Paddy and
Summer Paddy,
Banana and
Tapioca
11 Madhya Paddy (I), Paddy (UI), Jowar, Wheat (UI),
Pradesh Bajra, Maize, Kodo-kutki, Red Wheat (I), Gram,
gram, Groundnut, Soyabean, Linseed, Rape
Sesamum , Cotton, Banana and seed & Mustard,
Chilly Onion and Potato
12 Maharashtra Paddy, Jowar, Bajra, Maize, Ragi, Summer Paddy,
Groundnut, Niger, Soyabean, Wheat (I), Wheat
Sesamum, Sunflower, Green gram, (UI), Jowar (I),
Black gram, Red gram, Cotton and Jowar (UI), Gram,
Onion Sunflower,
Summer
Groundnut,
Safflower and
Onion
13 Meghalaya Alu Paddy, Sali Paddy, Kharif Boro Paddy, Rape
Potato and Ginger & Mustard and
Rabi Potato
14 Orissa Paddy, Groundnut, Maize, Paddy,
Redgram, Niger and Cotton Groundnut,
Mustard, Potato
and Sugarcane

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Sr. No. State Crops covered

KHARIF (2002) RABI (2002-03)
15 Tamilnadu Paddy I, Jowar, Bajra, Ragi, Paddy II, Paddy
Sesamum, Groundnut, Cotton, Red III, Jowar, Bajra,
Gram, Turmeric, Onion and Potato Ragi, Black gram,
Horse gram,
Groundnut, Cotton
(I), Cotton (Rice
fallow), Potato,
Chilly, Tapioca
and Banana
16 Uttar Paddy, Maize, Black gram, Red Wheat, Gram,
Pradesh gram, Groundnut, Soyabean and Peas, Mustard and
Sugarcane Potato.
17 West Aman Paddy and Aus Paddy Boro Paddy,
Bengal Wheat, Mustard,
and Potato.
18 Pondicherry Paddy Paddy II and
Paddy III
19 A & N Paddy No crops are
Islands notified
20 Sikkim Paddy, Maize, Blackgram, Wheat, Rape seed
Soyabean and Ragi & Mustard,
Barley, Urd,
Ginger and Potato
21 Tripura Aman Paddy and Aus Paddy Boro Paddy and
Potato
22 Uttaranchal Not implemented Wheat
23 Jammu & Not implemented Not implemented
Kashmir

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Unit of Insurance

S.No. State Unit of Insurance

1 Andhra Pradesh Mandal/group of Mandals
2 Assam Distt./Sub-division/Circle/Group of Circles
3 Assam Distt./Sub-division/Circle/Group of Circles
4 Bihar Paddy - Block/Panchayat
Maize - District
5 Chhattisgarh Tehsil
6 Goa Taluka
7 Gujarat Taluka
8 Himachal Pradesh Tehsil/Sub-tehsil/Block
9 Jharkhand Paddy - Block/Panchayat; Maize - District
10 Karnataka Taluka / Hobli
11 Kerala Zone comprising of 4-5 villages
12 Madhya Pradesh Tehsil (planning for Patwari Halka for some
crops for 2003-04)
13 Maharashtra Circle/group of circles
14 Meghalaya Community Development Block
15 Orissa Block
16 Tamilnadu Block
17 Uttar Pradesh Sugarcane - District ; other crops - Block
18 West Bengal Block
19 Pondicherry Commune Panchayat
20 A & N Islands Gram Panchayat
21 Sikkim District
22 Tripura Block
23 Uttaranchal Tehsil-Hills,
Block- Plains
24 Jammu & Kashmir District

Future Plans

National Agriculture Insurance Schemes:

• To bring into its fold all the eligible crop loans.

• To cover 50% of crop credit targeted for disbursement by all banks in the
country within two to three years.
• Intense publicity to rope in maximum number of non-loanee farmers into
the scheme.
• To cover all areas and crops under the scheme within 3 to 5 years.

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