sir pranaams. Educate the farmers on PmFBY. Agriculture Department should take initiative of PmFBY through film show to the farmers in their villages . Campaign on the My government App. The activity would rise the voice on younger generation. suggested opinions would be evaluated. lmplemented through competent authority. Try to concentrate on alternative crops also. pesticides not properly by farmers. lack of awareness. Real time monitoring. support Msp. India is already in good and joint joint economy. Biggest supporters of all essential commodities. Government should be hassle free agriculture services. farmers are invest money on or before and after the crop. Government should support here. No conversion Of agricultural land into residential or Apartment. Arrangements for farmers meet Forum and interactive session with them.

Selection of Insurance Companies and their participation for implementation of the Scheme adopting Coinsurance Model on 80:20 basis will imply their acceptance of all provisions, modalities and guidelines enlisted in the Tender of the State Government as well as by Government of India. It is the discretion of the Tender Accepting Authority to reject the bid documents of the Insurance Companies participating in the tender due to pending claim settlement to the farmers of Tamil Nadu for the previous seasons.

Sitting in the village’s common area, villagers were explained in local language, the important features offered by PMFBY, including crop insurance, climatic conditions, enrolment procedure, nearby facilitation centres, required documents, and amount of premium, compensation amount details and the schedules. The farmers’ queries are also handled with understanding and patience, giving them further assurance. The successful campaigning has brought nearly 29,659 more farmers into the ambit of PMFBY.

Cash incentive could be given to best performing field functionaries which will motivate them to conduct awareness campaigns and convince farmers of the scheme benefits. The other challenge is the non-inclusion of some Horticulture crops in the scheme and the high premium amount for Horticulture crops (5%) compared to other crops (2%). For this farmers’ premium for Horticulture Crops should be reduced and made at par with Agriculture Crops. There is requirement of proper capacity building and training as States and districts should be made aware about provision such as of extending of cut-off dates that can be adopted by the state depending on the Kharif and Rabi crop cycle of that particular state/district.

Motivating farmers to adopt PMFBY for risk coverage required behavioural change. Generally, when the crop doesn’t fail, farmers feel cheated as there is no return and in such scenarios coverage gets reduced in the following year. In efforts to overcome this challenge Premium could be reduced for farmers when there is no claim in a year. This could be on pattern of no claim benefit as in case of car insurance. Another suggestion was that Centre and State may bear full cost and premium be recovered from farmer in case of failure.

There should be a robust grievance redressal mechanism provided by insurance companies in addition to the one provided by Common Service Centres (CSCs) / officials. In the current system documents such as 7-12 extract, sowing certificates, bank passbook photocopy, Aadhaar card copy etc. are required for filling of the application. In order to save time of farmers Record of Rights (ROR) should be linked with Aadhaar.

Technologies like satellite imagery can be used for assessing crop damage. In addition, geotagging of the crop cutting experiment could be linked with digitization of land records to shorten the process of testifying land records at the level of Circle Officer/Tehsildar. The scheme’s scope is limited for districts in north-east where they have unique problems such as destruction of farm by wild animals, greater number of farmers producing horticulture crops, difficult terrain and low network connectivity. Special policy interventions should be taken to increase coverage.

To mitigate the effects of farm issues like these, the benefits of PMFBY were publicised in the District which is aimed at shielding farmers from uncertainty through insurance. The scheme was heavily promoted to motivate farmers and create awareness amongst them to enrol in the programme. The authorities enlightened farmers with various aspects of PMFBY - from the need for crop insurance, procedure of enrolment, nearby facilitation centres, enrolment centre for the village and compensation amount details, amongst other things. Additionally, radio talks and cultural programmes were conducted at village level to enrol more farmers.

Capacity building of the officials is important to upload Crop Cutting Experiment (CCE) data and farmer’s information on the Crop Insurance Portal (CIP). CCE data and beneficiary information should be regularly uploaded on the CCE App and CIP, respectively. Village Level Entrepreneurs (VLE) in Common Service Centres (CSCs), Aaple Sarkar Seva Kendras (Maharashtra) etc. are important agents who provide assistance to farmers in the process of filling and submitting applications.

Banks should open more counters and help desks to support and help farmers in completing documentation before the cut-off date. In Beed, strategic police deployment was done to avoid law and order issues due to rush towards the cut-off date. Zero balance accounts can be opened in cooperative banks to bring non-loanee and loanee farmers in the cooperative fold for speedy premium collection and claim amount distribution. Additionally, Primary Agriculture Credit Societies (PACS) are involved as they have grassroot connectivity and are working as agencies for insurance companies. Policy interventions by districts to accommodate the needs and requirements of farmers such as keeping banks open on holidays and Sundays close to the cut-off date.