1. national agricultural insurance scheme (nais)hpagriculture.com/notification crop insurance rabi...

1. National Agricultural Insurance Scheme (NAIS) RABI 2015-2016

No.Agr.H(8-P)F(10)-19/2013

Directorate of Agriculture,

Himachal Pradesh.

From:

Director of Agriculture,

Himachal Pradesh.

To

1. The Registrar Cooperative Societies,

Himachal Pradesh, Shimla-171009.

2. The Managing Director,

H.P. State Cooperative Bank Ltd.,

The Mall, Shimla-171001.

3. The General Manager &

Convener, State Level Bankers Committee, H.P.,

UCO Bank, G.M. Office,

Himland Hotel Annexe, Circular Road, Shimla-171001.

4. The General Manager,

National Bank for Agriculture and

Rural Development (NABARD),

Block No.31, SDA Complex, Shimla-171009.

5. The Regional Manager,

Agriculture Insurance Co. of India Ltd.,

Regional Office, SCO No.64-65,

Ground Floor, Sector 8-C,

Madhya Marg, Chandigarh 160009.

Dated: Shimla-5, the 15th October 2015

Subject: - National Agricultural Insurance Scheme (NAIS) / Rashtriya Krishi Bima Yojna

(RKBY) in H.P. – Continuation thereof and Notification of crops and unit

areas for Rabi, 2015-16 season.

Sir,

It is to inform that the Govt. of India, Ministry of Agriculture, Department of

Agriculture & Cooperation, Krishi Bhawan, New Delhi vide their letter No.13011/04/2004-

Credit-II dated the 20th March, 2015 has accorded its Administrative Approval/continuation

for the implementation of the National Agricultural Insurance Scheme (NAIS) viz. Rashtriya

Krishi Bima Yojna (RKBY) on existing pattern during Rabi, 2015-16 season, as per the term

& conditions contained in the scheme which had been conveyed by the Govt. of India on the

terms & conditions as applicable during the year, 2015-16 Kharif and Rabi seasons.

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As decided by the State Level Coordination Committee on Crop Insurance

(SLCCCI) in its meeting held on 8th October, 2015 at 11.00 A.M. under the Chairmanship of

the Additional Chief Secretary (Agriculture) to the Govt. of Himachal Pradesh, the National

Agricultural Insurance Scheme (Rashtriya Krishi Bima Yojna) will be implemented during

Rabi, 2015-16 seasons on the following conditions.

The Agriculture Insurance Company of India Ltd., will be the Implementing

Agency (IA) of this scheme as decided by the Govt. of India.

1. RISKS COVERED AND EXCLUSION:

As contained in the scheme, these would be as under:-

(i) Natural Fire and Lightning.

(ii) Storm, hailstorm, cyclone, Typhoon, Tempest, Hurricane, Tornado etc.

(iii) Drought, Dry spells.

(iv) Pests/Diseases etc.

Losses arising out of war & nuclear risks, malicious damage & other

preventable risks shall be excluded.

2. FARMERS COVERED:

The Scheme is applicable to all the farmers growing Wheat and Barley crops in

the units as mentioned in the Annexure 'A', and 'B' enclosed.

a) On compulsory basis

The scheme is on compulsory basis to Loanee farmers availing Seasonal

Agricultural Operation (SAO) loans from the Financial Institutions i.e. Commercial Banks,

Cooperative Banks, Regional Rural Banks and Primary Agricultural Cooperatives (PACs) for

the insured crops within the stipulated period.

b) On voluntary basis

For the Non-loanee farmers, it is optional.

3. CROPS COVERED

The crops to be covered during Rabi, 2015-16 season are Wheat and Barley.

4. INDEMNITY LEVEL

The level of indemnity for Wheat and Barley crops is kept at 80% of the

Average Yield (Threshold Yield).

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5. UNIT TO BE COVERED

For Wheat and Barley crops, the units to be covered are as per Annexure 'A', and 'B'.

6. CROP-WISE INDEMNITY LEVEL, LIMIT OF SUM INSURED (SI) AND

CORRESPONDING PREMIUM RATES FOR RABI, 2015-16 SEASON

Crop Indemnity

Level

Sum Insured at

Normal

Coverage

(Rs/ha)*

Premium

Rate

applicable on

(Col.3)%

SI limit for

maximum

coverage

(Rs./ha.)

Premium

rate

applicable

on (Col.5

minusCol.3)

1. 2. 3. 4. 5. 6.

Wheat 80% 21,500/- 1.50% 40,500/- 14.00%

Barley 80% 14,000/- 2.00% 26,500/- 11.00%

Note:- *In case of Loanee farmers, sum insured would be at least equal to amount of loan

advanced. For the loanee farmers, in such cases, where amount of crop loan availed

comes out to be more than either the value of threshold yield or 150% of average

yield, normal premium rates (lower of flat rate or actuarial rate) will be applicable on

the full amount of the loan availed, as the full amount of loan is to be compulsorily

insured.

Col.3 = Value of Threshold Yield (Rs./Hect.)

Col.5 = Value of 150% of Average Yield (Rs./Hect.)

7. SUBSIDY ON PREMIUM

The Small and Marginal farmers are eligible for 50% Govt. subsidy on total

premium as per decision taken/conveyed by the State Govt. vide letter No.Agr.F(1)-2/2002-I

loose dated 20.09.2007 to enhance the subsidy on premium on the insurable crops under

National Agriculture Insurance Scheme from 10% to 50% (i.e. 45% as State Share and 5% as

Central Share). The Small & Marginal farmers will require paying only 50% of the total

premium payable.

8. CUT-OFF DATES FOR ACCEPTING THE CROP INSURANCE PROPOSALS

FROM FARMERS AT PACs/BANK BRANCHES

i) Non-Loanee Farmers 31st January, 2016.

ii) Loanee farmers 31st March, 2016.

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9. CUT-OFF DATE FOR SUBMISSION OF DECLARATIONS BY THE BANKS TO

IMPLEMENTING AGENCY (IA) i.e. AGRICULTURE INSURANCE CO. OF INDIA

LTD. FOR ALL CROPS:

The declaration should be submitted by the end of the following month of the

loaning/accepting proposals i.e. within one month from the cut off dates for accepting the

crop insurance proposals in case of non-loanee farmers and within two months from the end

of coverage/loaning period for loanee farmers, by the banks, i.e.,

Final Seasonal Cut-off date for :

Non-Loanee farmers : 28th February, 2016

Loanee farmers : 31st May, 2016

10. FIXATION OF CUT-OFF DATES FOR SUBMISSION OF YIELD DATA BY THE

STATE GOVT. TO THE IMPLEMENTING AGENCY:

30th September, 2016 for Wheat and Barley crops.

11. CLAIM SETTLEMENT:

The claims will be settled only on the basis of yield data furnished by the State

Govt. based on requisite number of Crop Cutting Experiments conducted under General

Crop Estimation Survey and not on any other methods like, Annawari/Paisawari or

declaration of Drought etc.

12. ROLE OF VARIOUS AGENCIES.

(i) The State Level Bankers Committee (SLBC), The Lead Bank Managers, the

Cooperative Banks and Agriculture Insurance Co. of India Ltd.(Implementing

Agency) shall take immediate necessary action to ensure the implementation

of the scheme in the State as detailed above.

(ii) The Implementing Agency i.e. Agriculture Insurance Co. of India Ltd. shall

ensure that claims are paid at the earliest after release of State Government

share. Litigations, if any, for delay in payment of claims and if any other, shall

be the sole responsibility of the Implementing Agency.

(iii) The banks would also ensure that the claims amount is released / disbursed to

the beneficiaries within a fortnight from the date of receipt of claims amount

from the Implementing Agency.

(iv) The Implementing Agency shall make necessary arrangements to give wide

publicity to the scheme.

(v) The Convener, District Level Bankers Committee will monitor the progress of

this scheme in its pe

Separate guidelines of National Agriculture Insurance Scheme (Rashtriya

Krishi Bima Yojna) for Rabi, 201

Co. of India Ltd. Banks are requested to strictly adhere to

Encls: As above

Endst. No. Agr.H(8-P)F(10)-19/2013

Copy alongwith a copy of the information referred to above is sent to the following for

information and necessary action

1. The Additional Chief Secretary (Agriculture) to the Govt. of H.P., Shimla

2. The Joint Secretary to the Govt. of India, Ministry of Ag

Agriculture & Cooperation, Krishi Bhawan, New Delhi

No.13011/04/2004-Credit

3. The Chief Managing Director, Agriculture Insurance Co. of India Ltd., 13

Ambadeep Building, 14 Kasturba Gandhi Marg, Connaught Place, New Delhi

4. The Agricultural Statistical Officer

Committee on Crop Insurance, Himachal Pradesh, Shimla

necessary action. He is direct

Cutting Experiments on Wheat and Barley crops

the quarter concerned.

5. The Secretary (Finance) to the Govt. of H.P., Shimla

6. The Secretary (Revenue) to the Govt. of

7. The Secretary (Coop.) to the Govt. of Himachal Pradesh, Shimla

8. The Advisor (Planning) to the Govt. of H.P., Shimla

9. The Director of Land Records, Himachal Pradesh, Shimla

10. The Director, Rural Development Department, H.P., Shimla

11. The Director of Horticulture, Himachal Pradesh, Shimla

12. All the Deputy Commissioners

13. The Addl. Director of Agriculture, N.Z., Dharamsala, Distt. Kangra, H.P.

14. All the Dy. Directors of Agriculture in Himachal Pradesh.

15. The District Agricultural Officer, Kinnaur at Reckong Peo H.P.

16. The Additional Registrar, Cooperative Societies, Kangra at Dharamsala, H.P.

17. The Assistant Registrars, Cooperative Societies in Himachal Pradesh.

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this scheme in its periodical meetings time to time.


Krishi Bima Yojna) for Rabi, 2015-16 season shall be provided by the Agriculture Insurance

Co. of India Ltd. Banks are requested to strictly adhere to the said guidelines.

Yours faithfully,


Himachal Pradesh

19/2013 Dated : 15th


information and necessary action;

The Additional Chief Secretary (Agriculture) to the Govt. of H.P., Shimla

The Joint Secretary to the Govt. of India, Ministry of Agriculture, Department of

Agriculture & Cooperation, Krishi Bhawan, New Delhi- 110114. w.r.t. their letter

Credit-II dated the 10th July, 2014.

The Chief Managing Director, Agriculture Insurance Co. of India Ltd., 13

ing, 14 Kasturba Gandhi Marg, Connaught Place, New Delhi

The Agricultural Statistical Officer-cum-Member Secretary, State Level Coordination

Committee on Crop Insurance, Himachal Pradesh, Shimla-5 for information and

necessary action. He is directed to ensure conduct of requisite 16 numbers of Crop

Wheat and Barley crops and timely submission of estimates to

The Secretary (Finance) to the Govt. of H.P., Shimla-2.

The Secretary (Revenue) to the Govt. of H.P., Shimla-2.

The Secretary (Coop.) to the Govt. of Himachal Pradesh, Shimla-2.

The Advisor (Planning) to the Govt. of H.P., Shimla-2.

The Director of Land Records, Himachal Pradesh, Shimla-9.

The Director, Rural Development Department, H.P., Shimla-9.

he Director of Horticulture, Himachal Pradesh, Shimla-2.

All the Deputy Commissioners (except L/Spiti) in Himachal Pradesh.

The Addl. Director of Agriculture, N.Z., Dharamsala, Distt. Kangra, H.P.

All the Dy. Directors of Agriculture in Himachal Pradesh.

The District Agricultural Officer, Kinnaur at Reckong Peo H.P.

The Additional Registrar, Cooperative Societies, Kangra at Dharamsala, H.P.

The Assistant Registrars, Cooperative Societies in Himachal Pradesh.



season shall be provided by the Agriculture Insurance

the said guidelines.

Yours faithfully,


Himachal Pradesh

October 2015


The Additional Chief Secretary (Agriculture) to the Govt. of H.P., Shimla-2.

riculture, Department of

110114. w.r.t. their letter

The Chief Managing Director, Agriculture Insurance Co. of India Ltd., 13th Floor,

ing, 14 Kasturba Gandhi Marg, Connaught Place, New Delhi-110001.

Member Secretary, State Level Coordination

5 for information and

ed to ensure conduct of requisite 16 numbers of Crop

and timely submission of estimates to

The Addl. Director of Agriculture, N.Z., Dharamsala, Distt. Kangra, H.P.

The Additional Registrar, Cooperative Societies, Kangra at Dharamsala, H.P.

18. The Director, National Sample Survey Organization (NSSO), Field Operation Division,

Bosewell Villa, (Near Deepak Project), Himachal Pradesh, Shimla

19. The Managing Director, Kangra Central Cooperative Bank Ltd., Dharamsala, Distt.

Kangra, H.P.

20. The Managing Director, The Jogindra Central Cooperative Bank Ltd., Head Office,

Solan, Rajgarh Road , near Thodo Ground, Solan, District

21. The Manager, Himachal Pradesh

22. The Secretary, The Mair Cooperative Agr

and District-Hamirpur, H.P.

23. The General Manager, H.P. State Cooperative Agr.& Rural Dev. Bank Ltd., Himachal

Pradesh, Shimla-9.

24. The Director, Information & Public Relation Department, H.P., Shimla

25. The Station Director, All India Radio, Shimla

26. The Station Director, Doordarshan Kendra, Shimla

27. The Agricultural Information Officer, H.P., Shimla

Encls: As above

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The Director, National Sample Survey Organization (NSSO), Field Operation Division,

Bosewell Villa, (Near Deepak Project), Himachal Pradesh, Shimla-5.

The Managing Director, Kangra Central Cooperative Bank Ltd., Dharamsala, Distt.

Director, The Jogindra Central Cooperative Bank Ltd., Head Office,

olan, Rajgarh Road , near Thodo Ground, Solan, District-Solan, H.P.

Pradesh Gramin Bank, H.O.Mandi, District-Mandi, H.P.

r Cooperative Agr. Service Coop. Society Ltd.,P.O.Ma

Hamirpur, H.P.

The General Manager, H.P. State Cooperative Agr.& Rural Dev. Bank Ltd., Himachal

The Director, Information & Public Relation Department, H.P., Shimla

on Director, All India Radio, Shimla-4, D/shala and Hamirpur, H.P.

The Station Director, Doordarshan Kendra, Shimla-4.

The Agricultural Information Officer, H.P., Shimla-5.

As above


Himachal Pradesh

The Director, National Sample Survey Organization (NSSO), Field Operation Division,

The Managing Director, Kangra Central Cooperative Bank Ltd., Dharamsala, Distt.

Director, The Jogindra Central Cooperative Bank Ltd., Head Office,

Mandi, H.P.

. Service Coop. Society Ltd.,P.O.Mair, Tehsil

The General Manager, H.P. State Cooperative Agr.& Rural Dev. Bank Ltd., Himachal

The Director, Information & Public Relation Department, H.P., Shimla-2.

4, D/shala and Hamirpur, H.P.


Himachal Pradesh

ANNEXURE "A"

Units (Including Tehsils/Sub-Tehsils) Selected For National Agriculture Insurance

Scheme (NAIS) During Rabi 2015-2016 in Himachal Pradesh

Crop: Wheat

S.No. District Unit Composition S.No. District Unit Composition

1 Bilaspur 1. Sadar (Tehsil) 4 Kangra Fatehpur (Tehsil)

Shri Naina Devi (Tehsil) 18. Baijnath (Tehsil)

Namhol (Sub Tehsil) Chadiyar (Sub Tehsil)

2. Ghumarwin (Tehsil) Multhan (Tehsil)

Jhandutta (Tehsil) 19. Palampur (Tehsil)

Bharari (Sub Tehsil) Panchrukhi (Sub Tehsil)

Dheera (Sub Tehsil)

2 Chamba 3. Chamba (Tehsil) Thural (Sub Tehsil)

Dharwala (Sub Tehsil) 20. Jaisinghpur (Tehsil)

4. Churah (Tehsil) Alampur (Sub Tehsil)

Bharmour (Tehsil)

Holi (Sub Tehsil) 5 Kinnaur 21. Nichar (Tehsil)

5. Bhattiyat (Tehsil) Kalpa (Tehsil)

Siunta (Sub Tehsil) Sangla Tehsil)

Dalhousie (Sub Tehsil) Hangrang (Sub Tehsil)

6. Salooni (Tehsil)

Bhalai (Sub Tehsil) 6 Kullu 22. Kullu (Tehsil)

Manali (Tehsil)

3 Hamirpur 7. Hamirpur (Tehsil) Bhunter (Tehsil)

8. Nadaun (Tehsil) 23. Banjar Tehsil)

Galore (Sub Tehsil) Sainj (Sub Tehsil)

9. Sujanpur (Tehsil) Nirmand (Tehsil)

10. Barsar (Tehsil) Ani (Sub Tehsil)

Bijhari (Sub Tehsil) Nither (Sub Tehsil)

11. Bhoranj (Tehsil)

Bamson at Taunidevi (Tehsil) 7 Mandi 24. Sarkaghat (Tehsil)

Tihra (Sub Tehsil)

4 Kangra 12. Dehra (Tehsil) Bhadrota at Dopi (Sub Tehsil)

Jwalamukhi (Tehsil) Baldwara (Tehsil)

13. Khundian (Tehsil) 25. Dharampur (Tehsil)

Jaswan (Tehsil) Sandhol (Tehsil)

Rakkar (Tehsil) 26. Sundernagar (Tehsil)

14. Kangra (Tehsil) Nihri (Sub Tehsil)

Nagrota Bagwan (Tehsil) 27. Karsog (Tehsil)

Baroh (Sub Tehsil) 28. Mandi Sadar (Tehsil)

15. Dharamsala (Tehsil) Balh at Nerchawk (Tehsil)

Shahpur (Tehsil) Kotli (Tehsil)

Darini (Sub Tehsil) Aut (Sub Tehsil)

Harchakian (Sub Tehsil) 29. Chachiot (Tehsil)

16. Nurpur (Tehsil) Thunag (Tehsil)

Indora (Tehsil) Bali Chowki (Sub Tehsil)

17. Jawali (Tehsil) 30. Jogindernagar (Tehsil)

Nagrota Suriyan (Sub Tehsil) 31. Padhar (Tehsil)

Kotla (Sub Tehsil) Tikken (Sub Tehsil)

Lad Bharol (Tehsil)


8 Shimla 32. Shimla Rural (Tehsil)

Dhami (Sub Tehsil)

Junga (Sub Tehsil)

Suni (Tehsil)

33. Kumarsain (Tehsil)

Kotgarh (Sub Tehsil)

Rampur (Tehsil)

Nankhari (Sub Tehsil)

34. Jubbal (Tehsil)

Rohru (Tehsil)

Tikkar (Sub Tehsil)

Chirgaon (Tehsil)

Dodra Kawar (Tehsil)

35. Chopal (Tehsil)

Kupvi (Sub Tehsil)

Nerva (Sub Tehsil)

Theog (Tehsil)

Deha (Sub Tehsil)

9 Sirmour 36. Nahan (Tehsil)

Dadahu (Tehsil)

Paonta Sahib (Tehsil)

Kamrau (Sub tehsil)

37. Pachhad (Tehsil)

Narag (Sub Tehsil)

Rajgarh (Tehsil)

Pajhota (Sub Tehsil)

38. Renukaji at Sangrah (Tehsil)

Haripurdhar (Sub Tehsil)

Nohra Dhar (Sub Tehsil)

Shillai (Tehsil)

Ronhat (Sub Tehsil)

10 Solan 39. Nalagarh Tehsil)

Baddi (Tehsil)

Ramshaher (Sub Tehsil)

40. Kasauli (Tehsil)

Krishangarh (Sub Tehsil)

Arki (Tehsil)

Darla (Sub Tehsil)

41. Solan (Tehsil)

Kandaghat (Tehsil)

Mamleeg (Sub Tehsil)

11 Una 42. Una (Tehsil)

Ispur (Sub Tehsil)

Haroli (Tehsil)

43. Amb (Tehsil)

Bharwain (Sub Tehsil)

44. Bangana (Tehsil)

Jol (Sub Tehsil)

ANNEXURE "B"

Units (Including Tehsils/ Sub-Tehsils) Selected For National Agriculture Insurance

Scheme (NAIS) During Rabi 2015-2016 in Himachal Pradesh

Crop: Barley


1 Chamba 1. Chamba (Tehsil) 6 Shimla 14. Shimla Rural (Tehsil)

Dharwal (Sub Tehsil) Dhami (Sub Tehsil)

2. Churah (Tehsil) Junga (Sub Tehsil)

Bharmour (Tehsil) 15. Rampur (Tehsil)

Holi (Sub Tehsil) Nankhari (Sub Tehsil)

3. Bhattiyat (Tehsil) 16. Rohru (Tehsil)

Dalhousie (Sub Tehsil) Tikkar (Sub Tehsil)

Salooni (Tehsil) Jubbal (Tehsil)

Bhalai (Sub Tehsil) 17. Chirgaon (Tehsil)

Dodra Kawar (Tehsil)

2 Kangra 4. Baijnath (Tehsil) Chopal (Tehsil)

Chadiyar (Sub Tehsil) Nerva (Sub Tehsil)

Multhan (Tehsil)

Dharamsala (Tehsil) 7 Sirmour 18. Pachhad (Tehsil)

5. Nurpur (Tehsil) Narag (Sub Tehsil)

Fatehpur (Tehsil) Rajgarh (Tehsil)

6. Palampur (Tehsil) Pajhota (Sub Tehsil)

Panchrukhi (Sub Tehsil) 19. Renukaji at Sangrah (Tehsil)

Dheera (Sub Tehsil) Haripurdhar (Sub Tehsil)

Thural (Sub Tehsil) Nohra Dhar (Sub Tehsil)

7. Jaisinghpur (Tehsil) Shillai (Tehsil)

Alampur (Sub Tehsil) Ronhat (Sub Tehsil)

3 Kinnaur 8. Nichar (Tehsil) 8 Solan 20. Arki (Tehsil)

Kalpa (Tehsil) Darla (Sub Tehsil)

Sangla Tehsil) Kandaghat (Tehsil)

Pooh (Tehsil) Mamleeg (Sub Tehsil)

Moorang (Tehsil)

Hangrang (Sub Tehsil)

4 Kullu 9. Kullu (Tehsil)

Bhunter (Tehsil)

Manali (Tehsil)

10. Banjar Tehsil)

Sainj (Sub Tehsil)

Nirmand (Tehsil)

Ani (Sub Tehsil)

Nither (Sub Tehsil)

5 Mandi 11. Karsog (Tehsil)

12. Thunag (Tehsil)

Bali Chowki (Sub Tehsil)

13. Jogindernagar (Tehsil)

*****

2. Weather Based Crop Insurance Scheme (WBCIS):

Rabi 2015-2016 Season No.Agr. H(8-P)F(10)-19/2013-

Directorate of Agriculture,

Himachal Pradesh.

From


Himachal Pradesh.

To

1. The Registrar Co-operative Societies,

Himachal Pradesh, Shimla-171009.

2. The Managing Director,

H.P. State Co-operative Bank Ltd.,

The Mall, Shimla-171001.

3. The General Manager &

Convener, State Level Bankers Committee, H.P.

UCO Bank, G.M. Office,

Himland Hotel Annexe, Circular Road, Shimla-171001.

4. The General Manager,

National Bank for Agriculture and

Rural Development (NABARD),

Block No.31, SDA Complex, Shimla-171009.

5. The Regional Manager,

Agriculture Insurance Co. of India Ltd.,

Regional Office, SCO No.64-65,

Ground Floor, Sector 8-C,

Madhya Marg, Chandigarh 160009.

6. The Area Manager,

ICICI -Lombard General Insurance Company Ltd.,

S.C.O. 24-25, 1st Floor, Sector-8C,

Madhya Marg, Chandigarh-100017.

7. The Agency Development Manager,

IFFCO-TOKIO, First Floor, Savitri Bhawan,

Khalini, Shimla-171002 (H.P.)

Dated: Shimla-5, the 31st October 2015

Subject: - Weather Based Crop Insurance Scheme (WBCIS) in H.P. – Notification of Crops and

Unit Areas for Rabi 2015-2016 Season Sir,

It is informed that the Govt. of India, Ministry of Agriculture, Department of Agriculture

& Co-operation, Krishi Bhawan, New Delhi vide their letter No.13015/ 02 / 2012-Credit-II dated the 20th

March, 2015 has accorded and issued its Administrative Approval / Instructions for the implementation of

the Weather Based Crop Insurance Scheme (WBCIS) on existing pattern during Rabi, 2015-16 season, as

per the term & conditions contained in the scheme.

Implementing Agencies (IA):

As decided by the State Level Co-ordination Committee on Crop Insurance (SLCCCI) in

its meeting held on 8th October, 2015 at 11.00 A.M. under the Chairmanship of the Addl. Chief Secretary

(Agriculture) to the Govt. of Himachal Pradesh, the Weather Based Crop Insurance Scheme (WBCIS) in

Solan, Kandaghat & Kunihar blocks of Solan District on Rabi Tomato crop will be implemented by

Agriculture Insurance Company of India Ltd. (AIC), in Kangra, Palampur & Dharamshala blocks of

Kangra District on Rabi Potato crop will be implemented by ICICI -Lombard GIC Ltd. and in

Dharampur block of Solan District on Rabi Tomato and Capsicum crops will be implemented by

IFFCO-TOKIO, GIC Ltd. during Rabi, 2015-16 season.

Crop Block / District Implementing Agency

Tomato Solan, Kandaghat & Kunihar blocks of

District Solan.

Agriculture Insurance Company of

India Ltd. (AIC)

Potato Kangra, Palampur & Dharamshala blocks

of District Kangra.

ICICI –Lombard, GIC Ltd.

Tomato

&

Capsicum

Dharampur block of District Solan.

IFFCO-TOKIO, GIC Ltd.

Conditions for the Pilot WBCIS:-

(1) Season and Risk Period:

Insurance coverage under the scheme would be provided for Tomato,

Potato & Capsicum crops for the following period as per Term Sheets attached herewith:

Sr. No. Crop Reference Unit Area (RUA) Insurance Coverage Period

1 Tomato Solan, Kandaghat, Kunihar &

Dharampur

01.03.2016 to 31.07.2016

2 Potato Kangra, Palampur, Dharamshala 01.01.2016 to 30.04.2016

3 Capsicum Dharampur 01.03.2016 to 31.07.2016

(2) Area approach:

The scheme shall operate on the principle of “Area Approach” in

selected notified Reference Unit Areas (RUA). Area Approach signifies that a reference Unit Area shall

be considered as a unit area of insurance for the purpose of acceptance of risk and assessment of

compensation as well. Therefore all insured cultivators of a notified crop in the notified Reference unit

area shall be deemed to be at par so far as their terms of insurance coverage and assessment of

compensation are concerned.

(3) Geographical Coverage: “Reference Unit Areas are linked to specific Reference Weather Station

(RWS) i.e. Solan, Kandaghat, Kunihar & Dharampur Blocks in District Solan in respect of Rabi Tomato

crop; Kangra, Palampur & Dharamshala Blocks in Districts Kangra in respect of Rabi Potato crop and

Dharampur Block in District Solan in respect of Rabi Capsicum Crop for providing Weather Data for the

purpose of assessment of compensation. Reference Unit Area is a geographical area around a Reference

Weather Station pre notified by the State Level Co-ordination Committee on Crop Insurance as

mentioned in the Term Sheets of respective RUA.

District/Crop Reference Weather

Station (RWS)

Reference Unit

Area (RUA)

Areas Covered Backup Weather

Station (BWS)

Solan

(Tomato)

RWS -Solan DDH

office, Solan (01792-

230741)

Solan Entire Solan block. RWS - Kandaghat

RWS- Kunihar Kunihar Entire Kunihar block. RWS - Solan

RWS- Kandaghat

Mini Secretariat,

Kandaghat (01792-

257193)

SMS Agr.

Kandaghat Entire Kandaghat block. RWS - Solan

RWS – Dharampur,

PCDO Patta Mehlog

Dharampur Entire Dharampur block. RWS -Solan

Kangra

(Potato)

RWS - Kangra,

KVK Kangra

(01892- 264550)

Kangra Entire Kangra Block RWS -N. Surian

RWS - Dharamshala

(IMD)

Dharamshala Entire Dharamshala block. RWS - Palampur

(IMD)

RWS - Palampur

(IMD)

Palampur Entire Palampur block. RWS -

Dharamshala

(IMD)

Solan

(Capsicum)

RWS – Dharampur,

PCDO Patta Mehlog

Dharampur Entire Dharampur block. RWS -Solan

In case of non-availability of weather data of RWS and BWS notified for

RUA, then the weather data of nearest notified weather station shall be considered for the missing period.

(4) Crops Covered:

Tomato, Potato & Capsicum crops are to be covered during Rabi, 2015-

16 season on Pilot basis under WBCIS in the selected areas as mentioned above.

(5) Cultivators Eligible for Coverage:

All the cultivators (including share croppers and tenant cultivators)

growing notified crops in any reference unit area shall be eligible for coverage. The scheme shall be

Compulsory: For all Loanee applicant cultivators i.e. those who have sanctioned credit limit from a

Financial Institution for the notified crops in the notified RUAs. The maximum credit limit (MCL) shall

be sanctioned within the cut off dates as mentioned at Point No. 7 below.

Voluntary: For Non - Loanee cultivators i.e. those who have not sanctioned credit limit from any

Financial Institution for the notified crops in notified RUAs. Financial Institution, for the purpose of the

scheme includes all District Central Co-operative Banks and also the PAC’s affiliated to them, all

Commercial Banks and all Regional Rural Banks.

(6) Perils Covered: Following weather perils, which are deemed to cause “Adverse Weather

Incidence”, leading to crop loss, would be covered under the scheme:

Crop Peril

Tomato & Capsicum Low Temperature, High Temperature, Temperature Fluctuation &

Rainfall (Deficit & Excess)

Potato High Mean Temperature (HMT), Low Mean Temperature (LMT) &

Excess Rainfall

The specific “Adverse Weather Incidence” with its timing / duration

applicable is given as per Term Sheet annexed of AIC of India Ltd. for Rabi Tomato in District Solan

(Blocks Solan, Kandaghat & Kunihar), of ICICI -Lombard for Rabi Potato in District Kangra (Blocks

Kangra, Palampur & Dharamshala) and of IFFCO-TOKIO for Rabi Tomato & Capsicum in District

Solan (Block Dharampur).

(7) Seasonality Discipline: Risk (insurance coverage) would be accepted as per table given below.

No insurance coverage is allowed once these dates are over. The cut-off date for coverage of loanee and

non-loanee farmers shall be as under:-

Name of

the Crops

Type of the

farmer

Cut-off period Last date for submission of

declaration by Banks/

intermediaries to IAs

Tomato

&

Capsicum

Loanee Credit Limit sanctioned upto

15.3.2016 15.4.2016

Non-Loanee

1. Proposals to be accepted by Banks

from non-loanee farmers upto

10.3.2016

2. Proposals to be accepted by

intermediaries upto 10.3.2016.

1. 25.3.2016

2. 13.3.2016

Potato

Loanee Credit limit sanctioned upto

5.1.2016 5.2.2016

Non-Loanee


Banks from non-loanee farmers upto

31.12.2015


intermediaries upto 31.12.2015

1. 15.1.2016

2. 3.1.2016

(8) Coverage Procedure:

(a) Insurance coverage of Loanee Applicant Cultivators shall be through the existing network of Financial

Institutions (FI) at the grass-root level, using Nodal Bank system as in National Agriculture Insurance

Scheme (NAIS).

(b) Insurance coverage of Non-loanee Applicant Cultivators shall be through the existing network of

Financial Institutions at the grass root level; the Insurance Intermediaries and Authorized Representatives

of implementing Insurance Companies.

(c) Nodal Bank Branches shall be paid by implementing Insurance Companies, a service charge of 4% on

the actual Premium amount remitted by them, being in the nature of sharing the incidental management

expenses incurred by them for servicing the scheme.

(d) Insurance intermediaries, Rural Agents/Other engaged by insurer for covering non loanee cultivators

would also paid minimum remuneration of 4% on the actual farmer premium.

(9) Sum Insured:

Sum insured is equivalent to the ‘cost of cultivation’ and is further sub

divided into various covers as given in the term sheets. The sum insured for an individual cultivator shall

be the product of the cultivator’s declared ‘area under cultivation’ (in hectare) for Tomato, Potato and

Capsicum Crops and the sum insured given in the term sheet per unit area attached herewith.

An individual Cultivator’s ‘area under cultivation’ for a Notified Crop in a

notified Reference Unit area shall be declared by him as follows:

Loanee Applicant Cultivators: ‘Area under cultivation’ for the Notified Crop as already declared by

him in the Loan Application Form for the purpose of fixing his “Maximum Credit Limit” (MCL) by the

Lending Financial institutions.

Non- Loanee Cultivators: The cultivator shall declare the ‘area under cultivation’ for the Notified Crop

in the Insurance Proposal Form.

(10) Premium Rates:

Actuarial Premium Rates for notified crops have been calculated by the

Implementing Agencies using standard Premium Rating methodology and it is 10.5% for Tomato, Potato

and Capsicum crops.

(11) Premium Sharing and Subsidy:

Of the total Premium, 50% shall be payable by the insured cultivator and the balance shall be borne

by the Central and the State Govt. on 50:50 basis.

(12) Premium Remittance:

The Banks should prepare separate Demand Draft for the loanee and Non-loanee farmers in the

name of:

1. “Agriculture Insurance Company of India Ltd., Axis Bank Account No. 041010200007856” payable at

Chandigarh, and should be sent to the Regional Manager, Agriculture Insurance Company of India

Ltd., Regional Office, SCO 64-65, Ground Floor, Sector 8-C, Chandigarh-160009.

2. “ICICI- Lombard, GIC Ltd.”, ICICI Bank Account No. 000405004572 payable at Chandigarh, and

should be sent to Area Manager, ICICI -Lombard, GIC Ltd., S.C.O. No. 24-25, 1st Floor, Sector-8-C,

Madhya Marg, Chandigarh-160017. (IFSC Code – ICIC0000004).

3. “IFFCO- TOKIO, GIC Ltd.”, Standard Chartered Bank Ltd. Account No. 70005032378 payable at

Chandigarh, and should be sent to the SBU Head, IFFCO –TOKIO, GIC Ltd., S.C.O. 137-138, Sector

9-C, Madhya Marg, Chandigarh. (IFSC Code - SCBL0036035).

(13) Compensation (Payout):

(I) Concerned Implementing Insurance Companies shall be responsible for all Payouts arising out of

“Adverse Weather Incidence” strictly in terms of the Scheme terms & conditions read with the

relevant Premium & Payout table..

(II) Pay-out shall arise only in case of Adverse Weather Incidence. Adverse Weather Incidence is

equivalent to the deviation between “Trigger Weather” and “Actual Weather” Data recorded at a

“Reference Weather Station” during the specified time period. Trigger Weather is a pre-defined

Weather Parameter applicable to a Notified Crops in a notified Reference Unit.

(III) In case of Adverse Weather Incidence (AWI), all t

in the Reference Unit Area shall be deemed to have suffered the same level of AWI and the same

proportion of crop-loss, and become eligible for the same rate of Payouts.

(14) Pay-Out Disbursement:

a) Pay-outs would normally be made by the concerned implementing Insurance Companies to the

Nodal Banks within 45 days of closing of insurance period subject to receipt of the necessary

actual weather data, State and Centre Govts. share of premium subsidy.

b) So far as the Insured is concerned, the Pay

Payouts would be automatically computed by the concerned implementing Insurance Companies

on the basis of Actual Weather Data received, and the Payouts would be

the insured’s Bank Account through the concerned Nodal Bank/Financial Institution.

(15) ROLE OF VARIOUS AGENCIES:

i) The State Level Bankers Committee (SLBC), The Lead Bank Managers, the Co

concerned Implementing Agencies shall take immediate necessary action to ensure the

implementation of the scheme in the State as detailed above.

ii) The concerned Implementing Agencies shall ensure that claims are paid at the earliest after

release of State Govt. share, Litigations, if any, for delay in payment of claims and if any other,

shall be the sole responsibility of the concerned Implementing Agencies.

iii) The banks would also ensure that the claims amount is released/ disbursed to the beneficiaries

within a fortnight from the date of receipt of claims amount from the Implementing Agencies.

iv) The Implementing Agencies shall make necessary arrangements to give wide publicity to the

scheme.

v) The Convener, District Level Bankers Committee will monitor

periodical meetings time to time.

Separate guidelines of Pilot Weather Based Crop Insurance Scheme (WBCIS) for Rabi,

2015-16 season shall be provided by the Agriculture Insurance Co. of India Ltd., ICICI

Ltd. and IFFCO – TOKIO, GIC Ltd.

The Banks / Financial Institutions are requested to strictly adhere to the said guidelines.

Encls: - As above.

In case of Adverse Weather Incidence (AWI), all the insured cultivators growing the Notified Crop


loss, and become eligible for the same rate of Payouts.

outs would normally be made by the concerned implementing Insurance Companies to the


actual weather data, State and Centre Govts. share of premium subsidy.

So far as the Insured is concerned, the Pay-outs procedure shall be automatic; that is to say,


on the basis of Actual Weather Data received, and the Payouts would be automatically credited to


ROLE OF VARIOUS AGENCIES:

The State Level Bankers Committee (SLBC), The Lead Bank Managers, the Co

ing Agencies shall take immediate necessary action to ensure the

implementation of the scheme in the State as detailed above.

The concerned Implementing Agencies shall ensure that claims are paid at the earliest after

share, Litigations, if any, for delay in payment of claims and if any other,

shall be the sole responsibility of the concerned Implementing Agencies.

The banks would also ensure that the claims amount is released/ disbursed to the beneficiaries

hin a fortnight from the date of receipt of claims amount from the Implementing Agencies.

The Implementing Agencies shall make necessary arrangements to give wide publicity to the

The Convener, District Level Bankers Committee will monitor the progress of this scheme in its

periodical meetings time to time.


16 season shall be provided by the Agriculture Insurance Co. of India Ltd., ICICI

TOKIO, GIC Ltd.


As above.

Yours faithfully,


Himachal Pradesh

he insured cultivators growing the Notified Crop


outs would normally be made by the concerned implementing Insurance Companies to the


outs procedure shall be automatic; that is to say,


automatically credited to


The State Level Bankers Committee (SLBC), The Lead Bank Managers, the Co-operative Banks,

ing Agencies shall take immediate necessary action to ensure the

The concerned Implementing Agencies shall ensure that claims are paid at the earliest after

share, Litigations, if any, for delay in payment of claims and if any other,

The banks would also ensure that the claims amount is released/ disbursed to the beneficiaries

hin a fortnight from the date of receipt of claims amount from the Implementing Agencies.

The Implementing Agencies shall make necessary arrangements to give wide publicity to the

the progress of this scheme in its


16 season shall be provided by the Agriculture Insurance Co. of India Ltd., ICICI- Lombard, GIC


Yours faithfully,


Himachal Pradesh

Endst. No.Agr.H(8-P)F(10)-19/2013

Copy alongwith a copy of the information referred to above is sent to the following for information and

necessary action;

1. The Additional Chief Secretary (Agriculture) to the Govt. of H.P., Shimla

2. The Joint Secretary (Agri.) to the Govt. of India

Agriculture & Co-operation, Krishi Bhawan, New Delhi

3. The Chief Managing Director, Agriculture Insurance Co. of India Ltd., 13

Building, 14 Kasturba Gandhi Marg, Connaught Place, New Delhi

4. Mr. Sumit Gupta, Associate Vice President, ICICI

Saavarkar Marg, Prabhadevi, near Sidhi Vinayak Mandir, Mumbai

5. The Agricultural Statistical Officer

Committee on Crop Insurance, Himachal Pradesh, Shimla

6. The Secretary (Finance) to the Govt. of H.P., Shimla

7. The Secretary (Revenue) to the Govt. of H.P., Shimla

8. The Secretary (Coop.) to the Govt. of Himachal Pradesh,

9. The Advisor (Planning) to the Govt. of H.P., Shimla

10. The Director of Land Records, Himachal Pradesh, Shimla

11. The Director, Rural Development Department, H.P., Shimla

12. The Director of Horticulture, Himachal Pradesh, Shimla

13. The Deputy Commissioner, Solan & Kangra at Dharamshala, H.P.

14. The Addl. Director of Agriculture, North Zone, Dharamsala, Distt. Kangra, H.P.

15. The Dy. Director of Agriculture, Solan & Kangra at Palampur, H.P.

16. The Asstt. Registrar, Co-operative Societies, Solan & Kangra,

17. The Lead Distt. Manager, Lead Bank Office,UCO Bank, Near LIC Office, Solan, H.P.

18. The Managing Director, Kangra Central Co

19. The Managing Director, The Jogindra Central Co

Thodo Ground, Solan, District

20. The Director, Information & Public Relation Department, H.P., Shimla

21. The Station Director, All India Radio, Shimla

22. The Station Director, Doordarshan Kendra, Shimla

23. The Agricultural Information Officer, H.P., Shimla

19/2013- Dated: 31


The Additional Chief Secretary (Agriculture) to the Govt. of H.P., Shimla-2.

The Joint Secretary (Agri.) to the Govt. of India, Ministry of Agriculture, Department of

operation, Krishi Bhawan, New Delhi- 110114.

The Chief Managing Director, Agriculture Insurance Co. of India Ltd., 13th

Building, 14 Kasturba Gandhi Marg, Connaught Place, New Delhi-110001.

Mr. Sumit Gupta, Associate Vice President, ICICI -Lombard House, 3rd

Saavarkar Marg, Prabhadevi, near Sidhi Vinayak Mandir, Mumbai-400025.

The Agricultural Statistical Officer-cum-Member Secretary, State Level Co

ee on Crop Insurance, Himachal Pradesh, Shimla-5 for information and necessary action.

The Secretary (Finance) to the Govt. of H.P., Shimla-2.

The Secretary (Revenue) to the Govt. of H.P., Shimla-2.

The Secretary (Coop.) to the Govt. of Himachal Pradesh, Shimla-2.

The Advisor (Planning) to the Govt. of H.P., Shimla-2.

The Director of Land Records, Himachal Pradesh, Shimla-9.

The Director, Rural Development Department, H.P., Shimla-9.

The Director of Horticulture, Himachal Pradesh, Shimla-2.

missioner, Solan & Kangra at Dharamshala, H.P.

The Addl. Director of Agriculture, North Zone, Dharamsala, Distt. Kangra, H.P.

The Dy. Director of Agriculture, Solan & Kangra at Palampur, H.P.

operative Societies, Solan & Kangra, H.P.

The Lead Distt. Manager, Lead Bank Office,UCO Bank, Near LIC Office, Solan, H.P.

The Managing Director, Kangra Central Co-operative Bank Ltd., Dharamsala, Distt. Kangra, H.P.

The Managing Director, The Jogindra Central Co-operative Bank Ltd H.O. Solan

Thodo Ground, Solan, District-Solan, H.P.

The Director, Information & Public Relation Department, H.P., Shimla-2.

21. The Station Director, All India Radio, Shimla-4, H.P.

22. The Station Director, Doordarshan Kendra, Shimla-171004.

23. The Agricultural Information Officer, H.P., Shimla-5.


Himachal Pradesh

31st October 2015


, Ministry of Agriculture, Department of

th Floor Ambadeep

Floor, 414, Veer

Member Secretary, State Level Co-ordination

5 for information and necessary action.

The Addl. Director of Agriculture, North Zone, Dharamsala, Distt. Kangra, H.P.

The Lead Distt. Manager, Lead Bank Office,UCO Bank, Near LIC Office, Solan, H.P.

operative Bank Ltd., Dharamsala, Distt. Kangra, H.P.

operative Bank Ltd H.O. Solan, Rajgarh Road,


Himachal Pradesh

TERMSHET FOR WEATHER INDEX INSURANCE

Crop Potato District Kangra Risk 1 HMT

Index Objective

Total Sum of upward deviation of daily mean temperature of every

subphase from corresponding benchmark temperature during cover period

in degree celsius where mean temperature of a day is average of maximum

and minimum temprature of that particular day Cover period 15-Mar-16 to 30-Apr-16

Fortnights 15-Mar-16 31-Mar-16 1-Apr-16 15-Apr-16 16-Apr-16 30-Apr-16 Trigger (Deg C) 22 23 24.7

Strike (0C) 9 Exit (0C) 40 Standard Loss Rate between

Strike and Exit- Notional (Rs / 0C / Hectare)

645.16 Policy Limit ( Rs / Hectare) 20000

Risk 2 LMT

Index Objective

Total Sum of downward deviation of daily mean temperature of every

subphase from corresponding benchmark temperature during cover period

in degree celsius where mean temperature of a day is average of maximum

and minimum temprature of that particular day Cover period 1-Jan-16 to 14-Feb-16

Fortnights 1-Jan-16 15-Jan-16 16-Jan-16 31-Jan-16 1-Feb-16 14-Feb-16 Trigger (Deg C) 6.0 7.0 8.0

Strike (0C) 10 Exit (0C) 28 Standard Loss Rate between

Strike and Exit- Notional (Rs / 0C / Hectare)

1555.56 Policy Limit ( Rs / Hectare) 28000

Risk 3 Excess Rainfall

Index Objective Aggregate rainfall in mm during cover period

Cover period 16-Feb-16 to 30-Apr-16

Strike-1 ( mm ) 198 Exit ( mm ) 345 Standard Loss Rate between

Strike-and Notional (Rs / mm /

Hectare)

98.64

Policy Limit ( Rs / Hectare)

14500

Sum Insured 62500 Premium 6563 Farmer's Share 3281

Data Source Indian Meteorological Department Settlement Date Thirty days after the data release by IMD and verified by Insurer.

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