A

DISSERTATION REPORT
ON

AWARENESS AND SATISFACTION OF FARMERS

REGARDING PARDHAN MANTRI FASAL BIMA
YOJANA; A STUDY OF REWARI DISTRICT

FOR THE PARTIAL FULFILMENT OF REQUIREMENT FOR THE AWARD OF DEGREE OF

MBA 5 YEAR (IPOP)
SUBJECT: RESEARCH PROJECT (IMS-1002)

SUBMITTED BY:-
Rajat kumar (15UIM)
SEMESTER 10TH, BATCH: 2015-20
CLASS ROLL NO.33
EXAM ROLL NO.

UNDER THE GUIDANCE OF:-

DR. RAJAN SHARMA
ASSISTANT PROFESSOR

INSTITUTE OF MANAGEMENT STUDIES

KURUKSHETRA UNIVERSITY KURUKSHETRA
(MAY 2020)
 CANDIDATE’S DECLARATION

I RAJAT KUMAR hereby declare that the work present in the Dissertation entitled

“Awareness and Satisfaction of rewari District Farmers about Pardhan Mantri

Fasal Bima Yojana” in the partial fulfillment of the requirement for the award of

MBA 5 YEAR (IPOP) degree, submitted in the INSTITUTE OF MANAGEMENT

STUDIES, Kurukshetra University, Kurukshetra is an authentic record of my own

work done under the supervision of DR. Rajan Sharma.

The work done in the Dissertation has not been submitted for the award of any
other degree to the best of my knowledge and belief.

(RAJAT KUMAR)
Candidate
 Kurukshetra University Kurukshetra
Established under State Legislature Act XII of 1956
(NAAC accredited Grade A+)
www.kuk.ac.in +91-1744-238258, +91-8295989075
........................................................................................................
DR. RAJAN SHARMA
IMS/RS/2020/..........
Dated: ...................

SUPERVISOR’S CERTIFICATE

It is certified that the dissertation entitled ‘AWARENESS AND SATISFACTION OF

FARMERS REGARDING PARDHAN MANTRI FASAL BIMA YOJANA; A STUDY OF REWARI
DISTRICT..’ submitted by.....RAJAT KUMAR...., MBA Semester 10th, Roll No. ..33., Regn.
No. ..15-UIM-.., Batch: 2015-20 in the Institute of Management Studies, Kurukshetra
University, Kurukshetra for the partial fulfillment of the requirement for the award of
MBA-5 YEAR (IPOP) degree, is an authentic work done under my supervision and is
plagiarism free as per rules and regulations of Kurukshetra University.

The work done in the dissertation has not been submitted by the student for the award of
any other degree to the best of my knowledge and belief.

(DR. RAJAN SHARAMA)

Supervisor
 ACKNOWLEDGEMENT

Working on my research project entitled “Awareness and Satisfaction of rewari

District Farmers about Pardhan Mantri Fasal Bima Yojana” has been an enriching
experience for me. It gave me an opportunity to explore the different locations. I
take this opportunity to thank all the people without whom this project would not
have been possible.
I am deeply indebted to my supervisor Dr. Rajan Sharma for their patience,
dedication and critical guidance throughout the whole dissertation work.
Dr. Rajan Sharma who guided me and monitored my work throughout the way,
deserves special recognition for his highly competent remarks and suggestions
and particular praise for his calm and friendly manner which allowed him to
convey everything most graciously and helped in the successful completion of this
project.
I also thank all the respondents who have gave their time, views and authentic
information for this research.

(RAJAT KUMAR)
candidate
Contents

Chapter: 1 Agriculture Sector in Haryana and Crop Insurance

1.1 Introduction
1.2 ….
1.3 …
1.4 …
1.5 …
1.6 …

Chapter: 2 Review of the Literature

2.1 Introduction

2.2 Studies related to Agriculture in Haryana

2.3 Studies related to crop insurance

2.4 Studies related to awareness of farmers

2.5 Studies related to satisfaction of farmers

Chapter: 3 Research Methodology

3.1 Introduction

3.2 Need/Rationale of the Study

3.4 Objectives of the Study

3.6 Data Collection Methods and Sources

Chapter: 4 Analysis and Discussion

4.1 Introduction

4.2 Objective1: Status of the Farmer

4.3 Objective 2: Awareness of Crop Insurance Schemes

 4.4 Objective 3: Awareness of PMFBY

4.5 Objective 4: Claim Procedure

4.6 Objective 5: Satisfaction of Farmers regarding crop insurance

Chapter: 5 Findings and Suggestions

5.1 Positive Findings

5.2 Negative Findings

5.3 Suggestions

5.4 Concluding Observation

Chapter: 6 Conclusion of the Study

Paste all chapters’ concluding observation here and then further concise. Brief of all the chapters
must be written here.

References

Annexure

A. Questionnaire
Chapter 1

Agriculture sector in Haryana and crop insurance

1.1 Introduction of agriculture sector in India

In India approximately 58 percent population based upon agriculture for their livelihood. Gross
Value Added by agriculture, forestry and fishing is estimated at 18.55 lakh crore in FY19.
Growth in Gross Value Added by agriculture and allied sectors stood at 2.1 per cent in H1 2019-
20.

The Indian food industry is on way of huge growth, increasing its contribution to world food
trade every year due to its immense potential for value addition, particularly within the food
processing industry. The Indian food and grocery market are the world’s sixth largest with retail
contributing 70 per cent of the sales. The Indian food processing industry accounts for 32 per
cent of the country’s total food market which is one of the largest industries in India and is
ranked fifth in terms of production, consumption, export and expected growth. It contributes
around 8.80 and 8.39 per cent of Gross Value Added in Manufacturing and Agriculture
respectively which is 13 per cent of India’s exports and 6 per cent of total industrial investment.

Market size

During 2018-19 crop year food grain production is estimated at record 283.37 million tonnes. In
2019-20, Government of India is targeting food grain production of 291.1 million tonnes. By
November 2019, total area sown with Rabi crops in India reached 95.35 million hectares.

India is on second position in fruit production in world. Production of horticulture crops is

estimated at record 313.9 million metric tonnes in 2018-19 as per third advance estimates. Milk
production in the country stood at 187.7 million tonnes in 2018-19 and registering a growth of
6.5 per cent. Total agricultural exports from India grew at a CAGR of 14.61 per cent over FY10-
19 to reach US$ 38.54 billion in FY19. In FY20 agriculture exports were US$ 22.69 billion.
The organic food segment in India is expected to grow at a CAGR of 10 per cent during the
period 2016-21 and reach Rs 75,000 crore mark by 2025 from Rs 2,700 crore in 2015.
Road ahead

India has target of doubling farmers income by 2022. The agriculture sector in India is expected
to generate better momentum in the next some years due to increased investments in different
agricultural infrastructure such as irrigation facilities, warehousing and cold storage. The use of
genetically modified crops is continuously increasing , this will also give boost to the yield for
Indian farmers. Scientists are working to get early-maturing varieties of pulses and government
will increase the minimum support price so that Indian could become self-sufficient in pulses.

By adopting the food safety and quality assurance mechanisms such as Total Quality
Management including ISO 9000, ISO 22000, Hazard Analysis and Critical Control Points,
Good Manufacturing Practices and Good Hygienic Practices by the food processing industry will
offer several benefits. The agriculture exports target of US$ 60 billion by the year 2022 from
India are likely to achieve.

1.2 Agriculture sector in Haryana

Industrial development in recent time is high but sill Haryana is primarily an agricultural
state. In Haryana about 70 per cent of residents are engaged in agriculture. Position of
Haryana is Second in food grain production in the country. Major crops are Wheat and Rice.
Haryana is a self-sufficient state in food production and also the second largest contributor to
India's central pool of food grains. All the main crops of Haryana are Wheat, Rice,
Sugarcane, Coton, Oilseeds, Corn, Millet etc. There are two main season of crops in
Haryana: Rabi and Kharif. Main Kharif crops of Haryana are rice, lowar, bajra, maize,
cotton, jute, sugarcane and groundnut. For these crops the time of ground preparation is April
and May and the seeds are sown at the commencement of rains in June. The crops are ready
for harvesting time is by the beginning of November. The major Rabi crops are Wheat,
tobacco, gram, linseed, rapeseed and mustard. The ground is prepared by the end of October
or the beginning of November and the crops are harvested by March.
 About 86% of the area is arable, and of that 96% is cultivated. About 75% of the area is
irrigated, through tube wells and an extensive system of canals. Haryana contributed
significantly to the Green Revolution in India in the 1970s that made the country self-
sufficient in food production. The state has also significantly contributed to the field of
agricultural education in the country. Asia's biggest agricultural University - Chaudhry
Charan Singh Haryana Agricultural University is located at Hisar, which has already made a
significant contribution in ushering 'Green Revolution'.

Haryana has a tremendous irrigation infrastructure. Irrigation in Haryana uses water either
from underground or from surface through canals. Numerous canals have been dug and
pumps put up to make sure that the farmer doesn't pack up and leave in times of drought.
Currently in Haryana, the most important technology for groundwater irrigation is the use of
tube wells with pump.
1.3 Need of Crop insurance in india.
Every year, in one part of India or the other food crops are affected by natural calamities,
“Crop yield instability is the normal condition and agriculture continues still to be which the
farmer’s fortunes are exposed, is practically the same as before. In fact, good years and bad
years, wet weather and drought or floods and frost, low yields and bumper crops are to be
expected in mixed succession. The total loss due to natural calamities (like flood, drought
and plant diseases) is estimated as high as Rs. 1,000 crores every year. The man behind the
plough has to be assured that he will be compensated for such loss in crops. Otherwise, he
cannot be drawn into the campaign to increase productivity of land under his plough,”

The fear of loss is so overwhelming that even when convinced of the gain accruing from the
application of science and technology, they prefer to go along the traditional track of low
productivity. Once freed from fear by crop insurance they can quicken the pace to high
productivity.

The Fourth Plan observed, “Severe distress is caused to the farmers by crop failure resulting
from drought, floods and other natural calamities. This risk is likely to get accentuated under
conditions of large investments in fertilizers, pesticides, improved seeds and other inputs which
are proposed to be used on a large scale during the Fourth Plan. One of the important means of
alleviating distress arising out from natural calamities could be the organisation of crop
insurance.”

Agriculture production and farm incomes in India are frequently affected by natural disasters
such as droughts, floods, cyclones, storms, landslides and earthquakes. Susceptibility of
agriculture to these disasters is compounded by the outbreak of epidemics and man-made
disasters such as fire, sale of spurious seeds, fertilizers and pesticides, price crashes etc. All these
events severely affect farmers through loss in production and farm income, and they are beyond
the control of the farmers. With the growing commercialization of agriculture, the magnitude of
loss due to unfavorable eventualities is increasing. The question is how to protect farmers by
minimizing such losses. For a section of farming community, the minimum support prices for
certain crops provide a measure of income stability. But most of the crops and in most of the
states MSP is not implemented. In recent times, mechanisms like contract farming and future‟s
trading have been established which are expected to provide some insurance against price
fluctuations directly or indirectly. But, agricultural insurance is considered an important
mechanism to effectively address the risk to output and income resulting from various natural
and manmade events. Agricultural Insurance is a means of protecting the agriculturist against
financial losses due to uncertainties that may arise agricultural losses arising from named or all
unforeseen perils beyond their control (AIC, 2008). Unfortunately, agricultural insurance in the
country has not made much headway even though the need to protect Indian farmers from
agriculture variability has been a continuing concern of agriculture policy. According to the
National Agriculture Policy 2000, “Despite technological and economic advancements, the
condition of farmers continues to be unstable due to natural calamities and price fluctuations”. In
some extreme cases, these unfavorable events become one of the factors leading to farmers‟
suicides which are now assuming serious proportions (Raju and Chand, 2007). Agricultural
insurance is one method by which farmers can stabilize farm income and investment and guard
against disastrous effect of losses due to natural hazards or low market prices. Crop insurance not
only stabilizes the farm income but also helps the farmers to initiate production activity after a
bad agricultural year. It cushions the shock of crop losses by providing farmers with a minimum
amount of protection. It spreads the crop losses over space and time and helps farmers make
more investments in agriculture. It forms an important component of safety-net programmes as is
being experienced in many developed countries like USA and Canada as well as in the European
Union. However, one need to keep in mind that crop insurance should be part of overall risk
management strategy. Insurance comes towards the end of risk management process. Insurance
is redistribution of cost of losses of few among many, and cannot prevent economic loss.

There are two major categories of agricultural insurance:

a. Single peril coverage

b. Multi-peril coverage.

Single peril coverage offers protection from single hazard while multiple – 2 peril
provides protection from several hazards. In India, multi-peril crop insurance programme
is being implemented, considering the overwhelming impact of nature on agricultural
output and its disastrous consequences on the society, in general, and farmers, in
particular.

a.  Besides droughts and floods, locusts, plant diseases have always been a serious enemy to
our agriculture by destroying standing crops and thereby reducing farmers’ income.
b. Majority of the holdings are tiny, form which the farmers get marginal surplus in good
years and incur heavy deficits in the bad ones.
c.  Farming is more hazardous than any other enterprise. The weather can make all the
difference between success and failure. Consequently, many farmers, particularly the
small ones, feel shy of adopting new techniques.
d. It provides protection to farmers against losses caused by crop failure and thereby ensures
stability in farm income
e. By protecting the economic interest of the farmers against possible risk or loss, it
accelerates adoption of new agricultural practices,
f.  It minimizes the problem of rural indebtedness, which is traceable to the frequent failure
of crops.
1.4 Crop insurance schemes in india
Crop insurance in general has not been so successful across the globe in different countries.
Policy makers have unrolled various avatars of crop insurance in different times. Considering
the unique nature of Indian agriculture and inequitable socio-economic status of Indian
farmers, crop insurance has remained a failed attempt in general. Even after repeated revision
of the schemes and huge support in the form of premium subsidies for the farmers, crop
insurance has failed to produce the desired results. Even after more than decades of existence
of crop insurance in some form or the other, it has only reached just a small percentage of the
farmers.

Different crop insurance schemes

Sr. No. Time Period Schemes

1 1971-78 First Individual Approach Scheme
2 1979-84 Pilot Crop Insurance Scheme (PCIS)
3 1985-99 Comprehensive Crop Insurance Scheme (CCIS)
4 Rabi 1999-2000 National Agriculture Insurance Scheme (NAIS)
to rabi 2013-14

5 Rabi 2010-11 Modified National Agriculture Insurance Scheme

season (MNAIS)
6 2007-08 Weather Based Crop Insurance Scheme (WBCIS)
7 2009-10 Coconut Palm Insurance Scheme (CPIS)

8 2016 Pradhan Mantri Fasal Bima Yojana (PMFBY)

Brief explanation of crop insurance schemes

1. National Agriculture Insurance Scheme :

The Scheme was introduced during Rabi 1999-2000 season replacing Comprehensive
Crop Insurance Scheme (CCIS). The Scheme was implemented by Agriculture Insurance
Company of India limited, on behalf of Ministry of Agriculture. The main objective of
the Scheme was to protect the farmers against the losses suffered by them due to crop
failure on account of natural calamities, such as drought, flood, hailstorm, cyclone, fire,
pest/ diseases, etc., so as to indemnify the losses and restore their credit worthiness for
the ensuing season. The scheme was available to all the farmers both, loanee and non
loanee irrespective of the size of their holding. The Scheme envisages coverage of all
crops including cereals, millets, pulses, oilseeds and annual commercial and horticultural
crops in respect of which past yield data is available.

Under National Agri Insurance Scheme, except forRabi season of 2013-14, the number
of farmers covered by the scheme witnessed consistent growth, and during Rabi 2014-15,
a total of 7 million farmers were brought under the crop insurance scheme and the total
sum insured during this season was Rs. 213.80 billion. The coverage of Kharif crops
exhibited rapid growth as during Kharif season of 2012, about 10.6 million farmers were
covered with a total sum insured of Rs.271.99 billion. The number of farmers covered
almost doubled to 2 million during Kharif 2015 with Rs.518.48 billion as the total sum
insured. As per administrative approval from GOI, 10% subsidy is to be provided to
small & marginal farmers in premium amount in Rabi-Summer, 2015-16 season shared
equally by State and Central Government.
Every year since its launch, huge amount of claims were made as losses caused to
agricultural production by farmers. Premium collected for Rabi 2014-15 season was
Rs.5.51 billion and the total claims during the same season was a staggering Rs.15.12
billion.
When premium collected and total claims are compared to the number of farmers being
covered and the area covered, it reveals quite an interesting trend. The area covered under
the scheme decreased from 15.69 million hectare in Kharif 2012 to 11.55 million hectare
in Kharif 2014,while the claims increased from a total of Rs.27.86 billion in Kharif 2012
to Rs.29.20 billion in corresponding Kharif season of 2014. This indicates at several
possibilities like severe weather failure during 2014 in general, severe weather failure in
 some pockets and can also include possibilities of corruption and fraud where there have
been illegitimate claims.

2. Modified National Agriculture Insurance Scheme:

The Scheme before incorporation in NCIP was piloted from Rabi 2010- 11 to Kharif
2013. The modified version has many improvements viz., Insurance Unit for major crops
are village Panchayat or other equivalent unit; in case of prevented / failed sowing claims
up to 25% of the sum insured is payable, post-harvest losses caused by cyclonic rains are
assessed at farm level for the crop harvested and left in ‘cut & spread’ condition up to a
period of 2 weeks in coastal areas; individual farm level assessment of losses in case of
localized calamities, like hailstorm and landslide; on-account payment up to 25% of
likely claim as advance, for providing immediate relief to farmers in case of severe
calamities; threshold yield based on average yield of past seven years, excluding up to
two years of declared natural calamities; minimum indemnity level of 80% is available
(instead of 60% in NAIS); and premium rates are actuarial supported by up-front subsidy
in premium, which ranges from 40% to 75%, equally shared by Centre and States.
The study of figures about number of farmers covered and sum insured under the
Modified National Insurance Scheme reveals that the highest increase was witnessed in
Rabi 2014- 15 when the number of farmers opting for the insurance scheme was 3.21
million and sum insured was Rs.91.08 billion. The figures for Kharif farmers showed a
similar trend. However, the figures fell down to 4.81 million farmers and Rs.78 billion as
sum assured during the Kharif season of 2015.
A study in terms of premium v/s claims reported reveals that farmers are perhaps
realizing the benefit of agriculture insurance schemes and perhaps getting used to
insurance, even if it means later that no crop loss or damage occurred due to any natural
or biological disasters.
While number of Kharif farmers have benefitted from the scheme have always been
higher when compared to the Rabi season. However, 2014-15 was an exceptional one
when perhaps due to extreme weather calamity, the number of claims were more from the
Rabi season farmers than the Kharif season ones.
3. Weather Based Crop Insurance scheme:
Weather Based Crop Insurance that was introduced in 2011-12 on a pilot basis with an
aim to make it more convenient for the farmers to avail crop insurance appeared to have
received good response from the farmers. The following graph depicts the number of
farmers insured along with the sum insured during each cropping season.
Gross premium and claims reported continued to increase till Kharif 2014 when the gross
premium and the total claims reported for this season was Rs.15.66 billion and Rs.12.35
billion respectively. However, Rabi 2014-15 and Kharif 2015 witnessed a drastic decline
in terms of both gross premium collected and claims reported.
During 2012-13 including both Kharif and the Rabi seasons, total area covered by this
pilot scheme was 17.69 million hectare and total number of farmers benefited was 10.81
million. The area increased to 14.39 million hectare benefitting 9.61 million farmers
during 2014-15 seasons of Rabi and Kharif.

4. Pradhan Mantri Fasal Bima Yojana:

Pradhan Mantri Fasal Bima Yojana (PMFBY)-2016 has been the most recent version of
crop insurance in the country. Pooling in the important learning from all the earlier
schemes and taking into consideration of access to technology in the recent days, Pradhan
Mantri Fasal Bima Yojana promises to take care of the loopholes of earlier schemes. The
Nodal Banks intermediaries may collect the list of individual insured farmers (both
loanee and nonloanee) with requisite details like name, fathers’ name, Bank Account
number, village, categories - Small and Marginal group, Women, insured holding,
insured crops, sum insured, premium collected, Government subsidy etc., from concerned
branch in soft copy for further reconciliation. This will be done online once the E
platform is put in the place. Like other agriculture related schemes ranging from fertilizer
subsidies to subsidised loans and loan waiver for farmers, crop insurance schemes were
also observed to be highly skewed in favour of just few states and only the large and
wealthy farmers. Number of farmers covered by crop insurance is more in states like
Maharashtra, Madhya Pradesh and Andhra Pradesh. Within these states too, it was mostly
the large farmers who reaped the benefits of the insurance schemes. Interestingly Uttar
 Pradesh which has the highest farming population, has the least numbers of farmers
covered by crop insurance.

Limitations of indian crop insurance schemes:

The purpose of crop insurance schemes is very clear to save the farmers from different types
of disasters. But still there are some loopholes in the insurance schemes. Some of those are
explained below:

 .FRAUD : Maharashtra (Aurangabad and Jalgaon), Gujarat (Saurashtra), Andhra Pradesh

(Rayalaseema), Karnataka (Dharwad and Haveri), Tamil Nadu (Nagapattinam and
Sivaganga) and Telangana (Mahbubnagar)

- Coverage in these regions is high and so is fraudulence

- In some districts hundreds of farmers are literally living off fraudulent claims
 LESS COVERAGE : Punjab, Haryana, Madhya Pradesh, Western Uttar Pradesh

- Farmers here don’t have any knowledge about insurance and remain without cover

- Small farmers have no incentive as they have to pay the premium

- In many cases farmers have written to banks saying they do not want
 Awareness: the awareness about crop insurance schemes is less in some a
 Data constraints: With just around 45% of the claims made by farmers over the
last three crop seasons data for the last rabi season is not available ms: le paid by
the insurance companies.
 Low payout of claims: reason for the very low payout of claims is that only few
state governments are paying their share of the premiums on time and till they do,
the central government doesn’t pay its share either. Till they get the premium,
insurance companies simply sit on the claims.
 Gaps in assessment of crop loss: There is hardly any use of modern technology in
assessing crop damages. There is lack of trained outsourced agencies, scope of
corruption during implementation and the non-utilisation of technologies like
smart phones and drones to improve reliability of such sampling
 Less number of notified crops:  than can avail insurance, Inadequate and delayed
claim payment.
 High actuarial premium rates: Insurance companies charged high actuarial
premium rates.
 If states delay notifications, or payment of premiums , or crop cutting data,
companies cannot pay compensation to the farmers in time.
 Poor capacity to deliver: There has been no concerted effort by the state
government and insurance companies to build awareness of farmers on PMFBY.
Insurance companies have failed to set-up infrastructure for proper Implementation
of PMFBY.
PMBY is not beneficial for farmers in vulnerable regions  as factors like low
indemnity levels, low threshold yields, low sum insured and default on loans make
it a poor scheme to safeguard against extreme weather events.
 Chapter 2
Review of the literature
1.1 Introduction

Studies related to agriculture in Haryana

There are various studies and researches done by various scholars. Some of them are discussed
below:

A. Make in Haryana and sustainable agriculture development : By Sumit Tripathi,

Shivanshu Agarwal, Rohit Bhanushali (M.Sc. Agribusiness Economics, Gokhale
Institute of Politics & Economics,

Shivaji Nagar, Pune). The studies says that although Haryana is one of the leading
producer states for food

crops, there is a wide scope of improvement in the areas of crop yield, efficient water

management, reach of agricultural credit, provision of warehousing facilities and development of

processing centers. Under the „Make in Haryana‟ banner, a huge amount of investments have

been realized and it is evident that there is a magnanimous potential for further future

investments in the above sectors. Only then can Haryana match itself with the global standards of

agrobusiness.

B. Study on awarenesss level of smart agriculture practice in Haryana: by AK Rohilla

and Ajay Kumar of CCS Haryana Agriculture University, Hisar
Farmers’ awareness towards agro-processing, Farmers’ awareness towards
protected cultivationFarmers’ awareness towards water harvesting

Present study concluded that there was a gap in awareness level of

SAPs in farming community. It can increase through organizing continuous trainings, campaigns,
lectures and demonstrations. In addition, a well-structured and sound national level planning
can definitely enhance the farmers’ awareness level regarding SAPs.
 a. Agricultural Scenario and Issues:

By Amarjeet Singh and Jaspal Singh, consultant of NITI aayog

The agriculture sector of Haryana is growing with healthier growth rate as compared to
Punjab. The sheen of green revolution practices has petered out in Punjab. The negative
growthof crop sector has been estimated in both states. Lives stock sector share has risen
to 36 percent in agricultural GSDP in Haryana and 28 percent in Punjab in 2014-15.
There is need to improve the growth rate of crop sector because this sector is playing
a lead role in agricultural GSDP. This sector jerks the growth of agricultural sector.
For the policy implication, the study is suggesting that need to increase the budget in
R&D of agriculture institutes which are engaged in high yielding varieties and other
inputs. To push the agriculture growth of crop sector, government needs to
recognize the role of research institute in addition, to streamline the existing system.
Furthermore, it needs to develop food processing unit which save the wastage of
vegetables, fruits and commercial crops. There is prerequisite of government interference
for altering the framers to high value crops with benefactor of appropriate market facility
as well as price of the produce. It is required to re-distribute an area for crop as per
availability of natural resources to ensure market facilities which leads to match demand
supply concept which could help to farmers to get the remunerative price of their product.
We strongly feel that only a well-conceived, meticulously designed, and thoughtfully
implemented growth strategy along the lines suggested in the present study can make
an appreciable contribution towards enabling the agricultural sector experience
accelerated growth and thereby once again redirecting it to the path of higher growth
trajectory.

1.2 Studies related to crop insurance:

a. Growth of NAIS: A study of crop insurance in india, By Shree Krishna S. Mahajan

Since 1972 so many schemes of crop insurance have been launched in the country
but they failed to influence the farmers and share the risk of farmers. Now days
some farmers are committing suicide due to lack of risk management. And they are
selecting the option of suicide rather than crop insurance. Hence there is need of
serious concern of this problem of sharing the risk of farmers and protecting their
crops against adverse weather and natural calamities. On this background, NAIS
has been introduced since Rabi 1999-2000. There are so many expectations from
NAIS but it also failed to meet farmer’s expectations.

Government of India constituted a joint group to overcome shortcomings of

NAIS. The group made in-depth study and made important recommendation like
reduction in the unit area of insurance to gram Panchayat for major crops,
improving the basis of calculation of threshold yield, higher indemnity level of 80
per cent and 90 per cent coverage of pre-sowing / planting risk and post-
harvest losses. Personal accident insurance cover and package insurance policy
etc. based on the recommendation of joint group and views/comments of various
stake -holders, proposal of Modified National Agricultural Insurance Scheme
(MNAIS) was prepared and sent to the Planning Commission. Planning Commission
was decided that the MNAIS will be implemented on non-plan side. But all these
recommendations are remain on the paper and once again government failed to
improve crop insurance program.

EISSN 2277-4955BAUDDHIK VOLUME-3, NO.-1, JAN-APRIL-2012 14AIC

started operation from 2003 took over theimplementation of NAIS has
performed creditabilityin this area. It had also shown dynamism
withexperimenting with new methods and approaches.However several
improvements are needed both atthe organizational and the functioning level.
Twomain important things are needed one is that propercoordination between at
all stakeholders at statelevel, there is need to active state level advisorybody?
Another important thing is that the presence ofAIC at district level. The person
recruiting at districtlevel should be carefully selected and properlytrained who
can play an important role forcoordinating at district level.
 NAIS is showing deficit on the ground that thepremium received is always less
than claims underNAIS. The premium rates are needed to cover purerisk,
administrative cost and reasonable returns. Private sector insurer may also
involve in crop insurance to broad coverage of farmers as well asimproving
viability in crop insurance. Insuranceproduct at village level should be simple
in designpresenting so farmers easily understand. ThroughSHGs of farmers this
scheme may be made costeffective at grass-root level. Hence proper knowledgeand
implementation of crop insurance scheme canincrease the food grain production
in India and canreduce the risk of crop losses.

Status of Crop Insurance in India: study done by Dipankar Malakar of K K HANDIQUI

STATE OPEN UNIVERSITy

There are about 119 millions farmer in our country who work hard to live their life
and feed thecountry and yet they suffer most. Indian farmers live in the mercy of
nature, there is no properand adequate provision of security for crops grown by Indian
farmers. Government measures areseem to be inadequate to protect and encourage
farmers. It was only in 2003 that the Governmentof India established a special
insurance company i.e. Agriculture Insurance Company of IndiaLtd.(AIC) for crop
insurance. Following are the most common challenges of crop insurance
inIndia:Lack of Comprehensive Model: Though the government has piloted
and introducesmany crop insurance schemes there is no such scheme which can
protect or indemnify the
loss of farmers growing crops in different parts and different climate in the
country.Again where the loanee farmers get automatic insurance coverage for the
crops for whichhe has taken the loan non-loanee farmers are not getting automatic
coverage for theircrops.Out Dated Models: The technique used in various crop
insurance schemes for estimationof crop yield, loss assessment and claim payout is
outdated and not all-inclusive, due towhich the farmers who actually suffers are not
indemnified properly and on the otherhand the farmers who are not suffering get
indemnified at par with the suffering farmers,which is very discouraging. Though
the newly launched WBCIS seems to be littlecomprehensive but it needs a
proper infrastructure i.e. whether stations in all “ReferenceUnit Area” which involve
moderate cost and requires maintenance and expertise.Delay in Claim Payout:
Claim payout procedure of crop insurance is very lengthy.Farmers need to wait
11 to 12 months to get their claim. Due to which the farmer cannotinitiate new
cropping activity or it is delayed. Lack of Awareness: Since most of the Indian
farmers are illiterate and villages in Indiaare very remote, the farmers are not
aware about crop insurance, crop loan and othergovernment schemes and those
who know they hesitate to enter in to official red tapes. Negligence of
Government: Agriculture is the area in which the governments (both state& central)
in India should have given the most importance but unfortunately governmentsneglect
this area most. There is no campaign, awareness programmes so as to make croploan
and crop insurance popular among the India. Low motivation: All above
discussed reasons club with some other reasons likeeducation, confidence
etc. lead to low penetration of crop insurance. Low Participation of Private
Sector: Entry of private sector in crop insurance isrestricted. Only in MNAIS
and WBCIS they are allowed, in other crop insurance schemesthey are not allowed.

2.4 studies related to awareness of farmers

Some of the studies happened on awareness of farmers are below

a. Awareness on Agricultural Insurance Schemes in Southern Haryana : By MS

Nain, Rashmi Singh and Jyoti Ranjan Mishra of Indian Agriculture research
Institute

The study brought out various issues related toawareness level of the farmers
regarding components ofnewly launched insurance scheme popularly known
asPMFBY(Pradhan Mantri Fasal Bima Yojna). The lowlevel of awareness
regarding various components clearlyimplies that all the stakeholders along with
the serviceprovider should be actively engaged in public awarenessand capacity
building campaign for farmers through bankpersonnel, agricultural department
 and village administrativeoffices. The farmers were sensitive to different
constraintsincluding premium rate, timely returns andassessmentprocedures. The
service providers have to concentrate asa whole. It will greatly help the farmers to
recover frombad agricultural years. This will influence other nonsubscriber to
subscribe agricultural insurance and finallymitigate the agricultural risks.

b. FARMERS’ AWARENESS TOWARDS INTEGRATED NUTRIENT

MANAGEMENT (INM: By Krishan Yadav, Anil Kumar Rohilla and JS Malik of
CCS Haryana Agricultural University, Hisar

The present research was undertaken to study the awareness of farmers‘

awareness towards integrated nutrient management (INM). Present study was
conducted in Haryana state in 2017. Total 180 respondents were interviewed for
the study. Present study concluded that farmers‘ awareness level was high in
case of ‗do you know INM increase the crop yield?‘ with weighted mean
score (WMS) 2.02 and rank order 1st followed by ‗do you know that ‗INM
sustain the soil health?‘ and ‗do you know about organic manures and
fertilizers?‘ with WMS 1.96 and 1.93 and 2nd and 3rd rank orders. ‗Do you
know about balanced use of fertilizers?‘, ‗do you know time and method of
application of manures and fertilizers?‘, ‗INM increase the organic matter‘
with rank orders 4th, 5th and 6th and WMS 1.93, 1.86 and 1.82, respectively. ‗Do
you know percentage of N/P/K in different fertilizers?‘, ‗are you aware from bio
fertilizers i.e. Rhizobium, Azotobacter, Azospirilium?‘ and ‗do you know about
primary and secondary nutrients?‘ with WMS 1.59, 1.32 and 1.31 while rank
orders were 7th, 8th and 9th, respectively. Awareness level was low in case of ‗do
you know about essential micronutrients?‘ with WMS 1.30 and rank order 10th.
Independent variables such as age, education, land holding, farming system,
farm power, mass media exposure, extension contact, innovation proneness
were significant correlated with dependent variable. Cropping system,
irrigation facilities and economic motivation were not significant with
dependent variable whereas R-square value was 0.46.
2.5 studies related to farmers satisfaction

Agriculture development in India should be put on a fast track by making farmers aware of the
new technological advancements and different sources of information in this field. It is
concluded from questionnaire-based survey that the elder / family members and friends/
neighbors/ relatives are two most important and common sources of information for the farmers
under personal contact category. This indicates that the farmers rely for information on their
known persons. The study reveals that maximum farmers get below average satisfaction from
RAEOs/ Gramsevaks, Public libraries/ Community Information Centers, Block Panchyat
Offices, University Specialists, Minikits, Meetings, Field days and Agriculture tours. It must be
necessary that the above sources should be more approachable and project their services in such
a way that the farmers can easily avail them for their needs accordingly. Radio and television are
cheap, popular and common resource in rural India should be used as an effective means of
dissemination of agricultural information. Thus improving our agricultural information systems
will be helpful for our farmers to be well informed and to motivate them toward using current
technology for agricultural benefits. This turn will lead to better agricultural production and
improve economics status of the farmers and country.

c. Satisfaction with the Public Agricultural Extension Services in Tripura State: By

Amit Debnath, Jayshree Datta and Saravanan Raj of Department of Agriculture,
Government of Tripura.

From the results of the study it can be concluded that a majority of the clientele
had perceived medium level of relevancy, quality, usefulness and customer
service of extension services. Still the department can improve theclientele
satisfaction by providing more relevant, quality and useful services and by
upgrading the customer services of the department. The department should put
more aention on providing market information, input supply in time, farmers’
group formation, need based and exible services; whereas the extension
personnel should be equipped with recent teaching materials and they should get
proper incentives or rewards for their job performance. Cropping intensity as
well as irrigation intensity of the farmers’ eld can be improved to increase the
farmers’ over-all income. The farmers’ should be encouraged to become more
innovative and they should be regularly kept informed about the recent
developments. The extension service commitment of the farmers can be improved
through proper advisory services on time. Major problems faced by most of
the clientele were timely availability of extension personnel, lack of inter-agency
cooperation both in program planning & implementation and lack of use of mass
media channel by the extension personnel etc. can be reduced for providing need
based advisory services.
 Chapter 3

Research Methodology
3.1 Introduction

Research may be very broadly defined as systematic gathering of data and information
and its analysis for advancement of knowledge in any subject.

Research attempts to find answer intellectual and practical questions through application
of systematic methods. Webster’s Collegiate Dictionary defines research as "studious
inquiry or examination; esp: investigation or experimentation aimed at the discovery
and interpretation of facts, revision of accepted theories or laws in the light of new facts,
or practical application of such new or revised theories or laws". Some people consider
research as a movement, a movement from the known to the unknown.

It is actually a voyage of discovery. We all possess the vital instinct of inquisitiveness

for, when the unknown confronts us, we wonder and our inquisitiveness makes us probe
and attain full and fuller understanding of the unknown. This inquisitiveness is the
mother of all knowledge and the method, which man employs for obtaining the
knowledge of whatever the unknown, can be termed as research.

Research is an academic activity and as such the term should be used in a technical
sense. According to Clifford Woody research comprises defining and redefining
problems, formulating hypothesis or suggested solutions; collecting, organizing and
evaluating data; making deductions and reaching conclusions; and at last carefully
testing the conclusions to determine whether they fit the formulating hypothesis. D.
Steiner and M. Stephenson in the Encyclopedia of Social Sciences define research as
“the manipulation of things, concepts or symbols for the purpose of generalizing to
extend, correct or verify knowledge, whether that knowledge aids in construction of
theory or in the practice of an art.”

Research is, thus, an original contribution to the existing stock of knowledge making for
its advancement. It is the pursuit of truth with the help of study, observation, comparison
and experiment. In short, the search for knowledge through objective and systematic
method of finding solution to a problem is research. The systematic approach
 concerning generalization and the formulation of a theory is also research. As such the
term ‘research’ refers to the systematic method consisting of enunciating the problem,
formulating a hypothesis, collecting the facts or data, analyzing the facts and reaching
certain conclusions either in the form of solutions(s) towards the concerned problem or
in certain generalizations for some theoretical formulation.

3.2 VALUE

Many numbers of researches have been done before related to the Pardhan Mantri Fasal Bima
Yojna. Most of the research is also done with the objective to assess farmer satisfaction from this
scheme. From 2016 many researchers concluded that there are still problems persisting in this
scheme and pointed it out and have given number of recommendation to solve the problem.
This research will be based on whether those problems are still there or whether any steps are
taken to resolve those problems. It will also determine the view of the farmers toward this
scheme and any other issues that are left in this scheme and not solved at all. This research will
also recommend solution for the problems and help reach a conclusion for the insurance scheme.

3.3 AIM

The aim of this study is to determine as to whether insurance scheme PMFBY has proved to be
successful.
3.4 THE OBJECTIVE OF THE STUDY

 Primary objective of the study is to assess farmer satisfaction and awareness towards
PMFBY.

 Secondary objective is to study problems in PMFBY from farmer’s viewpoint.

3.5 DATA COLLECTION

Primary data was collected with the help of a survey. This survey is focused on the farmers who
have either taken crop insurance i.e. Pardhan Mantri Fasal Bima Yojna, or they have taken any
loan in regard to the agriculture purpose. The personal interview approach was selected so that
data can be collected efficiently. One on one approach was needed for successful data collection.
Questionnaire was designed for collecting the information about farmer in number of section.
This section consists of general information, status of farmer, information regarding crop
insurance, awareness about Pardhan Mantri Fasal Bima Yojna, satisfaction about Pardhan Mantri
Fasal Bima Yojna. Copy of the questionnaire is attached in annexure.
Secondary data has been collected from different sites, journals, articles, official sites etc.

3.6 SAMPLING SELECTION

Sample selection determines how a person needs to be selected for the fulfilment purpose of the
research. From the population of Haryana district farmers, those farmers were selected which
either have crop insurance i.e. Pardhan Mantri Fasal Bima Yojna or those who have taken loan
for agriculture purpose.
These samples determine that the farmer owned a crop insurance policy, Pardhan Mantri Fasal
Bima Yojna.
3.7 SAMPLE SIZE

3.8 SAMPLING TECHNIQUES

The sampling techniques which were used were convenience sampling and purposive sampling.
These two helped to sample the population in a much efficient way. On the one hand,
convenience sampling helped to sample population in an easy way by providing sample which
can be easily contacted. On the other hand purposive sampling helped to contact only those
which are proved useful for the research. These two were selected as it can help in time
constraint as well as economy.
3.9 INSTRUMENTS OF DATA COLLECTION
Instrument that was used to collect data is made by finding a problem and trying to find its
solution. The instrument was a questionnaire which is utilized to collect data.
3.10 DATA COLLECTION METHOD

The data was collected with the means of personal contact whether it is by face to face, or over
telephone to fill the questionnaire.

Sample size determines how many persons have been selected for the purpose of the
research project. For this purpose the sample size 71 was selected

CONCLUSION

No doubt that the PMFBY is very fruitful for farmers to protect them from loss of crops on
account of occurrence of natural calamities, and attack of pests /insects and diseases. Agriculture
is still a gamble of monsoon. These are main causes of failure of crops. Millions of tonnes of
agricultural produce are damaged/destroyed by these adversities each year across the country. On
account of failure of crops, indebtedness, illness, frustration, family dispute etc are also
increasing among the farmers. The failure of crops and indebtedness are major cause of farmers’
suicide across the country. Since, agriculture is highly susceptible to natural calamities such as
floods, droughts, heavy rains, hail-storm, pests/insects diseases etc., it is necessary to protect the
farmers from the adversities which occur frequently across the country. The UPA Government of
India had introduced National Agricultural Insurance Scheme (NAIs) in 1999-2000 to protect the
farmers by compensating the loss of crops due to occurrence of natural calamities. There were
many lacuna and loopholes in NAIs. It was not implemented properly and effectively. The
premium rate was also very high. The compensation had not been given properly, adequately and
timely to the affected farmers. On account of these drawbacks, it could not get popularized
among the farmers. Since, NAIs did not get success at ground level, so it required much
modification to protect the farmers in a better way. The NAIs has been replaced by Pradhan
Mantri Fasal Bima Yojana (PMFBY) in February 2016 across the country. This compulsorily
covers the farmers that avail the seasonal crops loan (loanee farmers). The non-loanee farmers
can also be covered under PMFBY, if they are interested to come under PMFBY. Almost all
Kharif and Rabi season crops are notified under PMFBY. The premium rate of Kharif crops is
fixed i.e. 2% of sum insured to be paid by farmers, while it is 1.50% of the value of sum insured
for Rabi crops. 76 In case of commercial and horticultural crops, 5% of the sum is insured to be
paid by the farmers. From sowing to threshing of crops, everything is covered under PMFBY. It
is a new scheme which had been uniformly started throughout the country. A number of agencies
are involved in the process of PMFBY. Two insurance companies namely Agricultural Insurance
Company (AIC) and ICICI Lombard were involved in U.P. for Kharif-2016 and Rabi-2017. Out
of 75 districts of U.P., 69 districts were covered by Agricultural Insurance Company (AIC) while
6 districts were under the preview of ICICI Lombard during the corresponding season. The
transaction costs of insurance are rather very high, so some efforts should be made to reduce the
transaction costs. The share of premium is not properly and adequately contributed to insurance
companies. It has a lot of bottlenecks, and constraints, such as lack of awareness among the
farmers about PMFBY and lack of willingness to pay a very marginal amount of premium. These
were major constraints in the way of proper implementation of PMFBY. Apart from these
constraints, unawareness, lack of understanding of insurance process, non access to insurance
providers, untimely receipt of insurance claims and unwillingness of the state government to
share the burden of subsidy on premium was also major hurdles in the success for
implementation of PMFBY.

Policy Recommendations

On account of failure of NAIs, the PMFBY had been introduced across the country in year 2016.
It is much better than NAIs. The PMFBY has been initiated in a well planned manner and has
been getting more popular among the farmers since its inception. Even then, the following
Recommendations have been given for its betterment. The recommendations are based on the
Perception of stakeholders.

1. The mixed crops are not included in the list of notified crops under PMFBY in Uttar
Pradesh. Therefore, it is suggested that the area of the mixed crops should also be
considered under PMFBY.

2. The share croppers and tenants were not enrolled under PMFBY in Kharif-2016 and
Rabi-2017. It is suggested to agriculture department and insurance companies that a
sincere effort should be made to link share croppers and tenants with PMFBY.

3. The premium had been deducted by banks without taking the consent from loanee
farmers. The loanee farmers were very much frustrated from the compulsory deduction of
82 premium from the amount of their loan. The compulsory deduction of premium from the
amount of loan of loanee farmers should be stopped. The deduction of premium should
be made after getting the consent from loanee farmers. The amount of premium should be
made publically through mass media communication. It should not be compulsory. It
should be voluntary.

4. The non- loanee insured farmers were limited in numbers across the state. Out of total
insured farmers of 62.71 lakh in Kharif-2016 and Rabi-2017, the non-loanee insured
farmers accounted for only 0.48%. Therefore, it is suggested that joint efforts be made by
Agriculture Department and Insurance Companies to pursue the non-loanee farmers for
linking themselves with PMFBY. The benefit of PMFBY should be popularized by
organizing farmer fairs, seminar and public meeting at panchayat level. The pamphlets,
leaflets, published material in newspapers, etc. should be distributed among the farmers
for knowing the benefit of PMFBY at the time of failure of crops.

5. The meeting of SLCCCI and DLTC should be held at stipulated time. The selection of
insurance companies should be done as per operational guidelines. The overall
supervision on PMFBY should be done by SLCCCI and DLTC at state and district levels
respectively. It will create transparency at each and every step during the implementation
of PMFBY.

6. A separate budget should be allotted for disseminating the scheme in a bigger way. The
seminars, meeting etc. could be organized on a large scale to popularize this scheme and
motivate the non-loanee farmers to link them with PMFBY.

7. The payment of compensation should be made within 15 days. Hence, sincere efforts
should be made to pay prompt payment of compensation to beneficiary farmers.

8. The role of Crop Cutting Experiments (CCEs) is very important in the context of
PMFBY. Therefore, it is suggested to inform the farmers through proper publicity in
newspapers, etc that the CCEs will be held in a particular village on such date.

9. The estimation of loss of crops of individual insured farmer is rather very difficult and
troublesome. A number of formalities have to be done which is beyond the capacity of a
farmer. Therefore, the compensation is not timely available to him. A number of inquires
have to be made to assess the loss of crops. It requires much time to settle the 83 compensation.
Therefore, it is suggested to modify the prescribed procedure in the interest of farmers to get
compensation easily.

10. The use of remote sensing satellite, imagery and digitalization of land record should be
promoted to minimize area discrepancies.

11. Sampling of CCEs should be based on consensus of all stakeholders. It should be taken
into account during the CCEs to provide confidence among affected farmers.

12. The CCEs should also be conducted by the insurance units through technological
interventions, such as automation, geo. location etc

13. The data of CCEs should be publically available

14. Auditing and multilevel checking of CCEs data should be made to prove sanctity and
creditability of CCEs.

15. To check the manipulation in CCEs at ground level, it is suggested that the involvement
of Panchayat Raj Institutions is needed. The farmers should be present at the time of loss
assessment of crops during CCEs.

16. There is a need to improve the efficiency of staff involved in PMFBY to get better
success in the implementation of PMFBY across the state. Therefore, it suggested for
improving the capacity building of the staff of State Government.

17. The data related to CCEs, threshold yield, sum insured, amount of compensation and
premium should be available on public domain. This will increase transparency in
PMFBY.
18. In few cases, the higher premium is deducted from farmers account by mistake or for
other reasons, hence, it is suggested that the insurance companies should refund the
excess deduction of premium.

19. There should be a provision for financial benefit to efficient workers of PMFBY. This
will provide fruitful result in linking more non-loanee farmers with PMFBY. A separate
budget should be allotted to District Nodal Officers of PMFBY to organize seminar,
farmers fairs, etc., to motivate the non-loanee farmers.

20. Separate staff should be recruited for looking after only PMFBY. The present staff of
agriculture department is not sufficient for proper implementation of PMFBY.
References

Agricultural Finance Corporation Ltd. (2011), "Report on Impact Evaluation of Pilot Weather

Based Crop Insurance Study"

Aijaz, R. (2013), "Monsoon Variability and Agricultural Drought Management in India",

Retrieved from http://orfonline.org/cms/export/orfonline/modules/issuebrief/attach

ments/Issuebrief-51_1370080087866.pdf (Last accessed on April 7, 2015)

Balzer., N., Hess, U. "Climate change and weather risk management: evidence from index-based

insurance schemes in China and Ethiopia", Retrieved from

http://home.wfp.org/stellent/groups/public/documents/newsroom/wfp225958.pdf (Last accessed

on April 5, 2017)

Belete. N., Mahul. O., (2007), " China: Innovations in Agricultural Insurance", The World

Bank, 68607 v1

Cognizant. (2014), " Drones: The Insurance Industry’s Next Game-Changer?", Retrieved from

http://www.cognizant.com/InsightsWhitepapers/drones-the-insurance-industry's-next-game-

changer-codex1019.pdf (Last accessed on May 20, 2017)

Singh, G. (2010), "Crop Insurance in India", IIM Ahmedabad, Working Paper. No. 2010-06-01

Hazell, P., Pomareda, C., and Valdes, A. (1986), "Crop Insurance for Agricultural

Development", John Hopkins University Press, Baltimore, USA

Harms, S.C, "History of Crop Insurance in the United States", Retrieved from

http://www.rainhail.com/pdf_files/rainhailcom/uscihistory.pdf (Last accessed on May 14, 2015)

Jain, R.C.A. (11th Plan) "Report of the Working Group on Risk Management in Agriculture",

Planning Commission of India

Kabuta. F. (2014),"Agriculture Disaster Compensation System in Japan", FFTC Agriculture

Policy Platform, Food and Fertilizer Technology Center for the Asia and Pacific Region (Last

accessed on April 15, 2015)

Kerer, J. (2013), "Situation of Agricultural Insurance in Kenya with Reference to International

Best Practices", Adaptation to Climate Change and Insurance

Krychevska, L., Shynkarenko, I., Shynkarenko R., (2017), “Agricultural Insurance in China:

History, Development and Success Factors. www.agroinsurance.com

Mishra, P.K. (2014), "Report of the Committee to Review the Implementation of Crop

Insurance Schemes in India", Department of Agriculture & Cooperation, Ministry of Agriculture

ANNEXURE I
As a part of my MBA Research Project I am gathering information regarding “the
assessment of crop insurance scheme in Haryana state: a study of Farmers”. Please
assist me by completing the survey. (All responses will be kept confidential and reported
in the aggregate only).
Part-A: General information
1. Name of the farmer : ______________

2. Contact no : ______________ email id.(if any):

3. Residential status :
a. Rural

b. Urban
4. Age (years) :
a. Below 30 years.

b. Between 30-40 years.

c. Between 40-50 years.

d. Above 50 years.
5. Number of family members ______________

6. Gender. : male/female/other

7. Occupation. :
a. Main

b. Subsidiary
8. Type of farming
a. Owned land

b. Tenant land
9. Number of family member dependent on agriculture ________.

10. Number of family member occupied in/ dependent on other occupation________.

11. Education. :
a. Illiterate

b. Up to Matriculate

c. Matriculate to Graduate

d. Post-graduate
12. Land holding of farmer (acre):
a. 1-2.5

b. 2.5-5

c. 5-10

d. More than 10
13. Annual household income from agriculture (gross in rs.) :
a. Below 1.5 lakh

b. 1.5-3 lakh

c. 3-5 lakh

d. above 5 lakh
14. Annual household income from other sources (gross in rs.) :
a. Below 1.5 lakh

b. 1.5-3 lakh

c. 3-5 lakh

d. above 5 lakh

e. Not applicable
15. Years of experience in farming of respondent :
a. Less than 10

b. 10-20

c. 21-30
d. More than 30
16. Usage of agriculture machinery
a. Owned

b. Rent

c. Other
Part-B: Status of farmer
17. Type of farmer. :
a. Loanee

b. Non loanee

c. If yes which bank?__________

d. Amount of loan taken__________

18. Has farmer taken any crop insurance?
a. Yes

b. No
19. Name of insurance company from where farmer has taken crop insurance?
a. ___________

b. ___________
20. Name of the insurance scheme taken by the farmer?
a. Weather based crop insurance

b. Power failure insurance

c. Varsha bima

d. Farmer insurance

e. Plant insurance

f. Wheat insurance

g. Rabi weather insurance

21. Crop sown, cultivated, harvested by farmer:
a. In rabi season:________

b. In kharif season:________
22. Method of irrigation adopted by farmer:
a. Surface irrigation

b. Sprinkler irrigation

c. Drip irrigation
23. Do you think crop insurance protects revenue of the farmer?
a. Yes

b. No

24. What are the objectives to take crop insurance?

a. Stability of income

b. Minimize debt

c. Yield protection

d. Technology advancement
25. Have farmer used any loan waiver scheme?
a. Yes

b. No

c. If yes , then how much amount __________

26. Have farmer taken any technical assistance or training related to farming?
a. Yes

b. No
27. Did farmer status change from loanee to non-loanee after using loan waiver
scheme?
a. Yes

b. No
Part -C: Awareness of crop insurance scheme
28. Are you aware of any other crop insurance scheme other than PMFBY?
a. Yes If yes, name of scheme:____________,

Company:_____________
b. No
29. From where you got the information of crop insurance scheme?
a. Gram panchayat _______

b. NGO _______

c. Government agency _______

d. Private agent _______

e. Any other
30. Have you taken any scheme other than PMFBY?
a. Yes If Yes then which scheme and company ________________

b. No

31. Are all the required perils covered in the scheme taken by you?
a. Yes

b. no
32. Do you know about the ratio distribution of premium between centre-state
governments?
a. Yes

b. No
33. Do you have information related to variety of crops covered in this scheme/s?
a. yes

b. no
34. Amount of premium paid by you in this scheme/s?
a. Rupee ________
35. Are you aware of crop cutting experiment (CCE)?
a. Yes

b. no
36. Is loan waivers scheme of government affect the penetration of crop insurance?
a. Yes

b. no
37. Number of crop insurance provider do you know?
_____________________________
Part d awareness about PMFBY
38. The PMFBY was launched in 2016?
a. Yes

b. No, if No, then when _______

39. In which cluster you come : ______________

40. Can one insurance company cover more than one cluster?
a. Yes

b. No

41. Are you aware about insured crop/s?

a. Yes

b. No
42. Is there any support from government source?
a. Yes

b. No
43. Are you aware about premium distribution between government and farmer?
a. Yes

b. No
44. Percentage of premium farmer has to pay in
a. Rabi

b. Kharif

c. Horticulture
45. Are there proper means to provide information related to PMFBY to farmers?
a. Yes

b. No
46. Is there any need to organize program related to PMFBY for farmers?
a. Yes

b. No
47. Don’t you know time period time period for claiming the PMFBY?
a. Yes

b. No
48. Don’t you know which insurance company offer PMFBY in your area?
a. Yes

b. No
Part-E: Claim Procedure
49. Are you aware about the claim procedure?
a. Yes

b. No

50. Do you know about the timeline to apply for the claim?
a. Yes

b. No

51. Do you know where to apply for claim?

a. Yes

b. No
52. Do you know how to apply?
a. Yes

b. No
53. Do you know about the claim settlement procedure?
a. Yes

b. No
54. Do you know how much time it takes for claim settlement?
a. Yes

b. No
55. Do you know about the peril of claims?
a. Yes

b. No
56. Do you know about the documents required for claim settlement?
a. Yes

b. No
57. Do you know about the working of the yield and loss assessment?
a. Yes

b. No
58. Do you know about the threshold limit?
a. Yes

b. No
59. Do you know about the risk period covered in crop insurance?
a. Yes

b. No

60. Do you know about the parties involved in claim process?

a. Yes
b. No
61. Have you borne any delay in settlement of claim?
a. Yes

b. No
62. Are you satisfied with the with the claim amount provided?
a. Yes

b. No
Part-F : Satisfaction level
63. Are the campaigns or programs about PMFBY sufficient to disseminate information?
a. Yes

b. No
64. Do you think CCE is working efficiently in PMFBY claim process?
a. Yes

b. No
65. Do you think threshold limit that is decided carry out its function?
a. Yes

b. No
66. Do you think claim procedure is an easy?
a. Yes

b. No
67. Are government bodies working under PMFBY fulfilling their duties properly?
a. Yes

b. No
68. Do you think PMFBY should be compulsory for loanee farmers?
a. Yes

b. No

69. Have you noticed any incident where farmer was insured for the wrong crop?
a. Yes if yes, where __________ which crop_________

b. No
70. Do you think there is language barrier in providing information about PMFBY?
a. Yes

b. No
71. Has insurance company directly contacted you for crop insurance?
a. Yes

b. No
72. Has PMFBY fulfilled its objective? If yes, then which one in the following:
a. Stability of income

b. Minimize debt

c. Technology advancement

d. Yield protection

e. All above
73. Do you think time to apply for claim to be extended?
a. Yes

b. No
74. Do you think claim settlement timeline to be long?
a. Yes

b. No
75. Will you also buy crop insurance in future also?
a. Yes

b. No
76. Is there any need of transparency in crop insurance process?
a. Yes

b. No
77. Have you got cooperation from agriculture department regarding crop insurance?
a. Yes

b. No

78. Has insurance company hindered in providing claim amount?

a. Yes If yes, what type of hindrance?:_________________

b. No
79. Is there any need of more number of notified crops?
a. Yes

b. No
80. Is farmer ready to get insured in a group?
a. Yes

b. No
Part –G: Suggestions for improvement
81. Any suggestion related to-
a. Threshold limit

b. Notified crop

c. CCE

d. Agriculture department

e. Insurance company

f. Documentation

g. Claim process

h. Any other