Notification for Kharif Crops During 2018-2019
The Government of Tamil Nadu Agriculture Department issued G.O. Ms. No. 123, Agriculture (AP.2), dated 3 May 2018, to implement the Pradhan Mantri Fasal Bima Yojana for Kharif crops during 2018-2019 in every Tamil Nadu district except Chennai. It identifies eligible farmers, insured crops and areas, covered risks, premiums, enrolment documents, deadlines and implementing insurance companies.
What the notification governs
The Notification for Kharif Crops During 2018-2019 applies the Pradhan Mantri Fasal Bima Yojana with State Government subsidy across Tamil Nadu, except Chennai. Its objectives include supporting farmers after unforeseen crop loss, stabilising farm income, encouraging modern agricultural practices and maintaining credit flow to agriculture.
The scheme is compulsory for farmers who have crop loans and optional for farmers without crop loans. Sharecroppers and tenant farmers growing notified crops in notified areas are also eligible.
Risks covered
The Government of Tamil Nadu Agriculture Department identifies the following insured stages and events:
- Prevented sowing or planting caused by deficit rainfall, adverse seasonal conditions or non-release of irrigation water on the scheduled dam opening date.
- Loss to standing crops from drought, dry spells, flood, inundation, pests, diseases, landslides, natural fire, lightning, storms, hailstorms, cyclones and other listed weather events.
- Post-harvest loss caused by cyclones, cyclonic rain or unseasonal rain, for crops left to dry in cut and spread condition in the field. Coverage is available for up to two weeks after harvest.
- Localised loss from hailstorm, landslide and inundation in notified areas.
The District Level Monitoring Committee chaired by the District Collector may fix seasonal conditions for prevented sowing, failed sowing and post-harvest losses, and may invoke mid-season adversity for on-account payment.
Crops, insurance units and premiums
The notification covers listed agricultural and horticultural crops, including paddy, pulses, maize, groundnut, cotton, millets, turmeric, onion, tapioca, banana and potato. Revenue villages are insurance units for major crops, while firkas are used for other crops.
For Kharif food grains and oilseeds, the farmer pays 2.0% of the sum insured or the actuarial rate, whichever is lower. For annual commercial and annual horticultural crops, the farmer pays 5% of the sum insured or the actuarial rate, whichever is lower.
Documents and insurers
Enrolment requires:
- Proposal form and registration form.
- Adangal.
- Village Administrative Officer sowing certificate when insurance is purchased before sowing or prevented sowing is claimed.
- Copy of Aadhaar card.
- Copy of the first page of the bank passbook.
Implementation is divided among the Agriculture Insurance Company of India Limited, Cholamandalam MS General Insurance Company Limited and New India Assurance Company Limited.
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Common questions
Does the Kharif 2018-2019 crop insurance scheme apply in Chennai?
No. G.O. Ms. No. 123, Agriculture (AP.2), dated 3 May 2018, applies in all Tamil Nadu districts except Chennai.
Can a tenant farmer or sharecropper enrol?
Yes. Tenant farmers and sharecroppers growing notified crops in notified areas are eligible. Coverage is compulsory for loanee farmers and optional for non-loanee farmers.
Is an Adangal required for enrolment?
Yes. An Adangal is mandatory in normal cases for both loanee and non-loanee farmers. A sowing certificate from the Village Administrative Officer is required in the specified cases involving prevented sowing or insurance purchased before sowing.
Does the scheme cover crops damaged after harvest?
Yes, but only for specified losses caused by cyclones, cyclonic rain or unseasonal rain while crops are drying in cut and spread condition in the field. Coverage lasts for up to two weeks after harvest.
