Prime Minister Crop Insurance Scheme Prime Minister Crop Insurance Scheme
The Indian government started several schemes for the development of agriculture from time to time due to the Agriculture Head of the Indian economy, some of which schemes, such as: Intensive Agricultural Development Programme (1960-61), Intensive Agriculture Sector Programme (1964-65), Green Revolution (1966-67), Dry prone Area Programme (1973), etc. But even after all these plans, the uncertainties of the agriculture sector were not resolved, which is not safe in the 21st century today.
मोदी सरकार ने सत्ता में आने के बाद से भारत के हरेक क्षेत्र में विकास के प्रोत्साहन के लिये अनेक योजनाओं को शुरु किया है, जिसमें किसानों की फसल के संबंध में अनिश्चितताओं को दूर करने के लिये, भारत के प्रधानमंत्री, नरेन्द्र मोदी की कैबिनेट ने, 13 जनवरी 2016, बुद्धवार को, प्रधानमंत्री फसल बीमा योजना (प्राईम मिनिस्टर क्रॉप इनश्योरेंस स्किम) को मंजूरी दे दी। ये योजना 13 जनवरी को लोहड़ी (किसानों का त्योहार) के शुभ अवसर पर भारतीय प्रधानमंत्री, नरेंन्द्र मोदी द्वारा किसानों के लिए तौहफा है। प्रधानमंत्री फसल बीमा योजना, किसानों की फसल को प्राकृतिक आपदाओं के कारण हुयी हानि को किसानों के प्रीमियम का भुगतान देकर एक सीमा तक कम करायेगी।
What is Pradhan Mantri Crop Insurance Scheme
The Prime Minister’s Crop Insurance Scheme is the scheme launched by Prime Minister of India, Shri Narendra Modi, whose proposal to commence has been approved by the Union Minister of Council on 13th January 2016. For this scheme, Rs 8,800 crore will be spent. Under the Prime Minister’s Crop Insurance Scheme, the farmers will pay a 2% premium for the crop of purchases and 1.5% premium for the crop of rabi by the insurance companies.
The Prime Minister’s Crop Insurance Scheme has been fully taken into account the interest of farmers. The instalments of insurance paid by farmers against poor harvest due to natural calamities have been kept very uninhabited, each level of farmer can easily pay. These schemes not only provide protection to Kharif and Rabi crops but also for commercial and horticultural crops, farmers for annual commercial and horticulture crops have to pay 5% premiums.
Key Facts of Prime Minister Crop Insurance Scheme
Pradhan Mantri Crop Insurance Scheme is a gift for Indian farmers on the auspicious occasion of Lohri, Makar Sankranti, Pongal, Bihu, the festival of farmers. The main facts included in this crop insurance scheme for welfare of farmers are:
- The premium (s) rates paid for the Pradhan Mantri Crop Insurance Scheme are kept very low for the convenience of the farmers so that all levels of farmers can easily avail crop insurance.
- The scheme will be started from the season of the Kharif crops that come.
- It covers all types of crops (Rabi, Kharif, Commercial and Horticulture crops).
- 2% premium will be paid for crops of Kharif (Dhan or Rice, Maize, Thar, Bajra, Sugarcane etc.).
- 1.5% of the premium will be paid for the harvest of Rabi (Ghannah, Baru, Chana, Mysore, Mustard etc.).
- 5% premium will be paid for annual commercial and horticultural crops insurance.
- There is no upper limit on government subsidies. This will be borne by the Government if the premium saved is 90%.
- The remaining premium insurance companies will be given by the Government. The State and Central Government will be equitable.
- The scheme replaces National Agricultural Insurance Scheme (NAIS) and revised National Agricultural Insurance Scheme (MNAIS).
- Its premium rate is much lower than both NAIS and MNAIS plans as well as cover the entire sum assured compared to both of these plans.
- Earlier the schemes had provision to cover the premium rate which resulted in lower claim of payment for farmers. These cappings were meant to limit the cost of Government Subsidy Premium, which is now removed and the farmer will get a complete claim against the amount claimed without any reduction.
- Under the Prime Minister’s Crop Scheme, the technical will be used compulsoryly, allowing the farmer to immediately assess their crop loss through the mobile.
- The scheme applies insurance plans for all types of crops, determining the premium of all types of crops.
- Under the 3 years under the Prime Minister’s Crop Scheme, the Government has been aiming to cover up to Rs. 8,800 crore as well as 50% of the farmers.
- Man-made disasters such as fire, theft, burglary, thunder, etc. are not covered under this scheme.
- All districts in India will be divided on a long term basis in groups, to bring the same in the premium rates.
- The new crop insurance plan is based on a nation plan. It removes the shortcomings and evils of those plans while holding all the goodies of the old schemes.
Due to the introduction of Prime Minister Crop Insurance Scheme
पूरे विश्व में भारतीय व्यवस्था सबसे अनोखी अर्थव्यवस्था को धारण किया हुये है। भारतीय अर्थव्यवस्था को कृषि प्रधान अर्थव्यवस्था कहा जाता है क्योंकि भारत की लगभग 71% जनसंख्या कृषि आधारित उद्योगो से अपना जीवन यापन करती है साथ ही पूरे विश्व में लगभग 1.5% खाद्य उत्पादकों का निर्यात भी करता है। भारत दूसरा सबसे बड़ा कृषि उत्पादक देश है जो सकल घरेलू उत्पादन का लगभग 14.2% आय का भाग रखता है। इस तरह, ये स्पष्ट हो जाता है कि भारत की लगभग आधी से ज्यादा जनसंख्या और देश की कुल राष्ट्रीय आय का लगभग 14% आय का भाग कृषि से प्राप्त होता है जिससे देश की अर्थव्यवस्था को एक मजबूत आधार मिलता है। अतः कृषि भारतीय अर्थव्यवस्था की रीढ़ की हड्डी कही जाती है।
Indian agriculture is dependent on the uncertain carpet of nature, even after so much importance of agriculture in India. Since independence, the Government of India has given special emphasis on industrialization for the development of the country in which farms were backwards anywhere, however, for the development of agriculture, the Government of India has undertaken a number of programmes in which the Green Revolution (started in 66-67) was the largest scheme for the crop of farmers, which led to a new revolution in the field of agriculture and improved the state of agriculture that fell in India.
However, after such efforts made by the Government, there was no change in the form of Indian agriculture structure. A number of schemes related to the development of agriculture in India have existed, but they do not completely reduce the agriculture related risks and uncertainties of farmers. The Prime Minister’s Crop Insurance Scheme provides protection to farmers from a wide range of natural disasters (such as: dry, flood, rain, etc.). It accurately interprets all the crops that come to the end of insurance by removing the evils in the old plans.
Importance and Benefits of Prime Minister Crop Insurance Scheme
In the time of the largest festivals of farmers, P.M. Modi has given a huge sum for Indian farmers by passing the Prime Minister’s Crop Insurance Scheme from the Union Ministerial. This scheme is a very important plan in itself as the main base of the Indian economy is linked to agriculture. The Prime Minister’s Crop Insurance Scheme has come into existence at a time when India is facing a long term rural crisis, so the importance is increased by itself immediately after the plan has passed from the cabinet. Further, the following are some of the key importance and benefits of this scheme:
- The premium rate of the Prime Minister's Crop Insurance Scheme is very low so that farmers can easily pay their installments.
- The scheme covers all types of crops in the insurance sector, allowing all farmers to produce risk crops free from uncertainties at the time of production of any crop.
- These schemes will make the farmers psychologically healthy.
- Along with the implementation of this scheme, gross domestic productivity will increase in the future.
- The implementation of this scheme will lead to the development of positive energy in farmers to improve the efficiency of farmers.
- The number of farmers who commit suicide will decrease due to drought and flooding.
- Any farmer through the smartphone can easily predict his loss.
Prime Minister Crop Insurance Scheme Statement
In the context of the Prime Minister’s Crop Insurance Scheme, Prime Minister Narendra Modi and other leaders have shared their views on the tweeter, following:
"The Prime Minister is the historical decision taken by the Government in the interest of Crop Insurance Scheme, farmers." – Rajnath Singh.
"A visit on behalf of the government – Prime Minister’s Crop Insurance Scheme" – Narendra Modi, when all you are celebrating different festivals like Lohri, Pongal, Bihu.
"Prime Minister Crop Insurance Scheme: Increased Disasters – Water filler covers the replenishment of losses occurring after harvesting. – Narendra Modi.
"This is a historical day, I believe that Prime Minister Crop Insurance Scheme inspired by the welfare of farmers will bring a huge change in the lives of farmers." – Narendra Modi.
"The Prime Minister’s Crop Insurance Scheme has so far incorporated the features of the schemes, but also provides effective solutions for the shortcomings that were there." – Narendra Modi.
"As far the lowest premium rate, quick assessment of loss using mobile phones like simple technology, payment of the entire claim in fixed time frame." – Narendra Modi.
"Kisan sisters-Brothers and many aspects have special attention. The Prime Minister is simple to connect with the crop insurance, the benefits are accessible. You join Jerur. – Narendra Modi.
"This is the first time after independence, that the simplification of the crop insurance plan and other problems faced by farmers have been improved." – BJP Chairman Amit Shah.
"We congratulate Prime Minister Narendra Modi to fulfill the promises from the farmers of the country by bringing new crop insurance – PM crop insurance plan. This new insurance also covers fruits and vegetables. Raghubar Das.
