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Data Analysis and Interpretation: 6.1 Field Level Analysis From Maharashtra State
Data Analysis and Interpretation: 6.1 Field Level Analysis From Maharashtra State
153
Table 1 : QUESTIONNAIRES COLLECTED
SR. NO. DISTRICT LOANEE NON-LOANEE DCCB NATIONALISED GRAMIN PACS AGRI DEPT TOTAL
1 Pune 15 29 1 0 0 0 0 1
2 Aurangabad 5 9 0 0 1 0 1 2
3 Nasik 17 25 7 0 0 0 0 7
4 Ahmednagar 56 21 5 0 0 0 1 6
5 Osmanabad 52 14 0 0 0 0 1 1
6 Solapur 10 10 4 0 1 0 1 6
7 Raigad 5 16 1 0 0 0 0 1
8 Jalgaon 9 28 10 0 0 3 2 15
9 Dhule 27 5 15 0 0 0 1 16
10 Akola 11 38 4 0 0 0 1 5
11 Satara 2 16 4 1 0 1 0 6
12 Thane 47 4 2 0 0 1 1 4
13 Sindhudurg 0 0 1 0 0 0 0 1
14 Ratnagiri 0 12 1 0 1 0 0 2
15 Kolhapur 5 0 1 0 0 0 0 1
16 Beed 10 10 2 0 0 0 1 3
17 Sangli 10 17 3 1 0 2 1 7
154
Contd…
SR. NO. DISTRICT LOANEE NON-LOANEE DCCB NATIONALISED GRAMIN PACS AGRI DEPT TOTAL
18 Buldhana 10 11 4 2 1 0 1 8
19 Amravati 10 10 2 1 0 0 2 5
20 Nanded 7 2 0 0 0 0 0 0
21 Latur 11 3 0 0 0 0 0 0
22 Parbhani 3 1 0 0 0 0 0 0
23 Jalna 3 3 0 0 0 0 0 0
24 Hingoli 3 4 0 0 0 0 0 0
25 Yavatmal 4 3 0 0 0 0 0 0
26 Wardha 3 4 0 0 0 0 2 2
27 Chandrapur 4 3 0 0 0 0 2 2
28 Nagpur 5 5 0 0 0 0 3 3
29 Bhandara 4 4 0 0 0 0 4 4
30 Gondia 3 4 0 0 0 0 4 4
31 Gadchiroli 4 3 0 0 0 0 2 2
TOTAL 355 314 67 5 4 7 31 114
155
0
10
20
30
40
50
60
Pune
Aurangabad
Nasik
Ahmednagar
Osmanabad
Solapur
Raigad
Jalgaon
Dhule
Akola
Satara
Chart 1 : Q
Thane
Sindhudurg
Ratnagiri
Kolhapur
Beed
QUESTIONNA
Sangli
Buldhana
Amravati
Nanded
Latur
AIRE LOANEE
Parbhani
Jalna
Hingoli
Yavatmal
E / NON - LOA
Wardha
Chandrapur
ANEE
Nagpur
Bhandara
Gondia
G d hi li
Gadchiroli
LOANEE
NON-LOA
ANEE
156
0
10
20
30
40
50
60
Pune
Aurangabad
Nasik
Ahmednagar
Osmanabad
Solapur
Raigad
Jalgaon
Dhule
Akola
Satara
Thane
Sindhudurg
Ratnagiri
Kolhapur
Beed
Sangli
Buldhana
Amravati
Nanded
Latur
Parbhani
Jalna
Hingoli
Yavatmal
Wardha
Chandrapur
Nagpur
Chart 2 : QUESTIONNAIRE – FINANCIAL INSTITUTIONS
Bhandara
Gondia
Gadchiroli
PACS
DCCB
LOANEE
GRAMIN
AGRI DEPT
NON-LOANEE
NATIONALISED
157
6.1.1 SOCIO-ECONOMIC CHARACTERISTICS OF
SAMPLE FARMERS
158
Sr. No. Parameters Loanee Non-Loanee
04 Family Size (Numbers)
0–3 75 88
3–6 160 141
6 – 10 120 85
at Rs. 13730.
back the loan. Ninety two borrowers reported that they repaid
the loan from the receipt from sale of agricultural produce. Nine
taking another loan and two borrowers reported that they sold
their jewellery, animals and land for repaying the loan to banks.
the insurance agency to bear the crop loss and to what extent
they themselves would bear the loss. The response varies from 0
159
bear any loss and want entire loss to be borne by insurance
bank compulsion as the reason for going for crop insurance. Six
161
Table 4 : MOTIVATION AND EXPERIENCE OF LOANEE (INSURED)
FARMERS WITH INSURANCE
that the existing premium rate was reasonable while twenty four
percent felt it was too high. Three percent borrowers were of the
view that the premium rate is too low as one percent of the
premium at the rate of 2 per cent, twenty six per cent were
the view to pay 3-4 percent while thirteen percent opted for 4-5
percent.
162
Table 5 : LOANEE (INSURED) PERCEPTION ON PREMIUM RATE
163
insurance should be created. Insurance agents, bank, Agriculture
164
Perception Response Percent
Media Radio 09.00
preference for Doordarshan 15.00
Awareness Newspapers 04.00
about the Mobiles 01.00
Scheme Insurance Agents 19.00
PACS 02.00
Advertisement Hoardings 03.00
Exhibition 02.00
Bank 19.00
Kisan Sabha 06.00
Village Sabha 06.00
Group Discussions 01.00
Agriculture Department 14.00
Distribution Rural agent at your door step 34.00
Channel Rural agent at village level 30.00
Co-operative Bank 33.00
Regional Rural Bank 02.00
Self Help Groups 05.00
farmers were also of the view that NAIS has gained more
166
6.2 ANALYSIS OF PRIMARY DATA – NON-
facility. Majority of farmers gave more than one reason for this.
the scheme was the single most important reason for not
167
Table 9 : BARRIERS IN PENETRATION OF CROP INSURANCE BY
NONLOANEE (INSURED) FARMERS
168
Table 10 : NON-LOANEE (INSURED) FARMERS PERCEPTION ON
STRATEGY TO FINANCE CROP LOSSES
insured farmers, rural agents at door step was the most preferred
169
Table 11 : NON-LOANEE (INSURED) FARMERS PERCEPTION ON
PREFERENCE FOR INSURANCE AGENCY AND MEDIA
170
Table 12 : NON-LOANEE (INSURED) FARMERS PERCEPTION ON
MEDIA PREFERENCE FOR AWARENESS
Radio 04.00
Media preference
Doordarshan 09.00
for awareness about
Newspapers 06.00
crop insurance
Post Office 01.00
Insurance Agents 26.00
PACS 10.00
Advertisement Hoardings 02.00
Bank 32.00
Implementing Agency 01.00
Kisan Sabha 01.00
Village Sabha 01.00
Agriculture Department 07.00
INSTITUTIONS
171
non-loanee farmers are serviced through individual Bank
Accounts.
implementation of NAIS.
172
The respondents were asked about the role played by the
premises (25%), discuss the scheme with the farmers when they
Percent
Response
DCC Nationalised Gramin PACS
Bank Bank Bank
Display NAIS 25.00 25.00 25.00 25.00
posters in bank
premises
Discuss NAIS with 26.00 25.00 25.00 25.00
farmers when they
visit bank for loan
and other purposes
Handouts on NAIS 24.00 25.00 25.00 25.00
like brochures and
pamphlets to
farmers during their
visit to bank
173
Percent
Response
DCC Nationalised Gramin PACS
Bank Bank Bank
Include NAIS as an 25.00 25.00 25.00 25.00
Agenda in various
meetings with
farmers
Gramin Bank and PACS were in favour of 100 percent view that
174
Table 14 : SERVICING NON-LOANEE (INSURED) FARMERS – BANKERS
INTERVENTION FOR MARKET PENETRATION
Percent
Percent
Response
DCC Bank Nationalised Gramin PACS
Bank Bank
73 40 100 86
Yes
No 27 60 - 14
175
preference by appointing rural agents at the door step to
(Table 35).
Percent
176
Table 17 : SUGGESTIONS FOR IMPROVING
IMPLEMENTATION OF NAIS
Percent
Response DCC Bank Nationalised Gramin PACS
Bank Bank
Cover more crops 12.00 - 08.00 13.00
Individual assessment 12.00 - 08.00 16.00
Gram Panchayat as a 07.00 - 04.00 10.00
unit of loss
assessment
Reduce premium 13.00 - 08.00 08.00
Quick settlement of 14.00 20.00 17.00 16.00
claims
Insurance service at 11.00 30.00 1.00 13.00
door step / village
level
Making scheme 10.00 20.00 17.00 11.00
voluntary
CCE’s to be 12.00 10.00 13.00 08.00
conducted in the
presence of villagers /
insurance company’s
representatives
Indemnity level from 09.00 20.00 13.00 05.00
60% to 80-90%
177
6.4 RESPONSE FROM STATE GOVERNMENT / U.T.
178
Table 18 : SUGGESTIONS MADE FOR PROVIDING SERVICE TO NON-
LOANEE FARMERS
Response Percent
Rural agent at door step 43.00
Rural agent at village level 07.00
Co-operative Bank 14.00
Regional Rural Bank 07.00
Self Help Groups 22.00
Post Office 07.00
(Table 38).
Response Percent
Cover more crops 10.00
Individual assessment 18.00
Gram Panchayat as a unit of loss assessment 03.00
Reduce premium 10.00
Quick settlement of claims 26.00
Insurance service at door step / village level 09.00
Making scheme voluntary 12.00
CCE’s to be conducted in the presence of villagers 04.00
/ insurance company’s representatives
Indemnity level from 60% to 80-90% 08.00
179
The responses relevant to the subject matter of study
data analysis.
SUGGESTIONS
6.5.1.1 PRODUCT
• Guaranteed yield
SUGGESTIONS
181
6.5.1.2 PRICE
• Only the loanee farmers are insured and if the crop fails
SUGGESTIONS
100% subsidy
182
6.5.1.3 PROMOTION / AWARENESS ABOUT
farmer
high to pay.
183
• Lack of knowledge on insurance and how it works – most
other
SUGGESTIONS
184
6.5.1.4 PROCESS
• Documentation is more.
SUGGESTIONS
6.5.2.1 PROMOTION
185
SUGGESTIONS
6.5.2.2 PROCESS
difficult.
the farmers.
186
• Establishment of a dedicated vertical / department / a
the scheme.
farmers.
6.5.2.3 PRICE
• The premium and claims are a large burden and affect the
budget.
187
6.5.3 CROP CUTTING EXPERIMENTS
6.5.3.1 PROCESS
yield.
conduct of CCEs
SUGGESTIONS
CCEs.
supervision of CCEs.
189
6.5.4 AGRICULTURE INSURANCE COMPANY OF
INDIA LIMITED
6.5.4.1 PRODUCT
farmers
SUGGESTIONS
rounded off
6.5.4.2 PRICE
190
6.5.4.3 PROCESS
estimates to AICIL
SUGGESTIONS
191
SUGGESTIONS
6.5.5.1 PRICE
SUGGESTIONS
192
6.5.5.2 PROCESS
is forwarded
SUGGESTIONS
193
• Apart from regular routine work, bank employees are
farmers accounts
cultivation of farmers
194
Manager alone has to do many other jobs hence they find
proposal forms.
SUGGESTION
bank employees
their risks.
Kharif Rabi
CEREALS MILLETS
Bajra Irrigated Jowar
Maize Irrigated Wheat
Paddy Summer Paddy
Ragi Unirrigated Jowar
Jowar Unirrigated Wheat
PULSES / OILSEEDS
Black Gram (Udid) Groundnut (Summer)
Green Gram (Moong) Bengal Gram (Chana)
Groundnut Safflower (Kard)
Niger
Kharif Rabi
197
Seasmum (Til)
Soyabean
Tur
Sunflower
ANNUAL HORTICULTURAL AND COMMERCIAL CROPS
Cotton Onion
Orange
Sugarcane
Onion
198
6.6.2 NUMBER OF FARMERS AND AREA COVERED
UNDER NAIS
is mandatory for all the farmers who avail crop credit from the
has been far larger during the Kharif than Rabi season (Table
40).
199
Chartt 3 : COVER
RAGE OF CROPS
C IN MAHARAS
SHTRA
Rabi
9%
Kharif
Rabi
Kharif
91%
200
Yearr / mers
Farm Area Covered Sum P
Premium Subsidy Claims
Seaso
on Covered (
(Ha) I
Insured
RABI
1999
9 1220438 116907.37 129.62 1.39 0.29 5.08
2000
0 4220977 379442.16 463.98 5.13 1.08 26.69
2001 8
85535 61475.36 20.27 0.50 0.11 2.12
2002
2 2447677 273815.94 83.82 2.75 0.38 16.34
2003
3 10334765 1160058.29 348.65 10.18 0.76 194.22
2004
4 1440563 103655.03 64.68 1.99 0.09 3.95
2005 2339266 237509.58 96.80 2.13 0.08 3.54
2006 3
37655 4
45391.19 15.34 0.29 0.05 0.01
2007
7 9
92109 69057.4 25.23 0.59 0.04 0.00
2008 5
52161 51693.84 30.91 0.73 0.08 5.45
2009
9 8
82348 96113.2 74.97 1.70 0.33 1.39
2010
0 5
55507 61268.86 64.32 1.70 0.25 0.00
Tota
al 26009001 2656388.22 1418.58 29.08 3.55 258.79
Chart 4 : SEAS
SON WISE PROGRES
P S ON FARM
MERS
C
COVERED UNDER NA
AIS
4000000
3500000
3000000
2500000
2000000
Kharif
K
1500000 Rabi
R
1000000
500000
201
Chart 5 : SEAS
SON WISE PROGRES
P S ON AREA
A COVERE
ED UNDER
R NAIS
3500000
3
3000000
3
2500000
2
2000000
2
Kharif
K
1500000
1 Rabi
R
1000000
1
500000
0
19999 2000 2001 20002 2003 2004 2005 2006 20007 2008 2009 2010
2
Chart 6 : SEA
ASON WISE
E PROGRESS ON SUM
M INSURED
D UNDER NAIS
N
(Rupees In Crores)
25
500
20
000
15
500
Kharif
K
10
000 Rabi
R
500
5
0
1999 20000 2001 20022 2003 2004 20005 2006 20077 2008 2009 2010
2
202
Table 23: DISTRICTWISE PERFORMANCE OF NAIS IN MAHARASHTRA
STATE (KHARIF – 2000 - 2010)
203
District Farmers Area Sum Premium Subsidy Claim
Covered (Ha) Insured
(Figures in Crores)
Raigad 72933 47400.09 12.98 0.32 0.05 0.27
Ratnagiri 256415 211012.98 91.29 2.28 0.21 1.03
Sangli 531076 427940.82 224.14 6.58 0.56 37.66
Satara 644344 417144.49 228.17 7.29 0.97 18.45
Sindhudurg 120051 155394.59 57.12 1.43 0.15 0.41
Solapur 213516 216500.79 148.58 5.17 0.19 11.48
Thane 225757 212370.82 211.50 5.90 0.43 10.82
Wardha 228380 305547.41 166.08 8.80 1.48 7.12
Washim 579514 588858.92 340.50 18.08 4.92 27.47
Yavatmal 1007783 1288546.77 873.70 59.97 23.53 103.21
204
District Farmers Area Sum Gross Subsidy Claim
Insured
Covered (Ha) Premium
(Rupees In Crores)
Dhule 3862 5001.54 3.10 0.04 0.01 0.03
Gadchiroli 26 57.52 0.03 0.00 0.00 0.00
Gondia 1667 2273.91 1.63 0.03 0.00 0.01
Hingoli 18094 15898.31 9.38 0.18 0.01 0.17
Jalgaon 4186 5610.62 8.55 0.09 0.02 0.02
Jalna 4972 4578.19 4.11 0.05 0.01 0.03
Kolhapur 2772 3489.38 3.55 0.04 0.01 0.04
Latur 210037 129316.42 100.64 2.12 0.19 13.27
Nagpur 6898 10942.84 8.73 0.13 0.01 0.30
Nanded 10022 11018.47 18.89 0.19 0.03 0.71
Nandurbar 8944 8932.31 9.18 0.10 0.01 1.22
Nasik 114662 80257.11 58.33 1.27 0.18 4.92
Osmanabad 399570 308026.2 168.16 3.76 0.30 61.57
Parbhani 21958 25517.47 37.58 0.38 0.03 1.02
Pune 104130 117491.98 107.62 2.73 0.33 6.74
Raigad 5371 4492.6 1.77 0.03 0.01 0.04
Ratnagiri 0 0 0.00 0.00 0.00 0.00
Sangli 107679 110982.7 48.07 0.94 0.11 11.78
Satara 226644 166426.94 90.15 2.17 0.36 17.92
Sindhudurg 1553 2619.87 1.17 0.02 0.00 0.01
Solapur 450034 723541.23 233.62 5.36 0.39 83.68
Thane 122 92.15 0.07 0.00 0.00 0.00
Wardha 5225 5405.25 6.64 0.08 0.01 0.02
Washim 21228 25662.39 19.66 0.36 0.08 0.46
Yavatmal 13891 14727.74 15.64 0.20 0.03 0.43
205
Table 25 : COVERAG
GE OF SMA
ALL VERSU
US OTHER
R FARMER
RS
Year / Season
S Smaall And Otheer Farmerss
Marginaal Farmerss (Land
dholding > 2
(Landh
holding < 2 H
Hectares)
Hecctares)
Kharif
K (20000 – 2010) 147701559 105417756
Rabi
R (1999 – 2010) 14732551 11357750
Total
T 162434110 116775506
Ch
hart 7 : COV
VERAGE OF
O SMALL & MARGIINAL
VE
ERSUS OTH
HER FARM
MERS
Other Farm
mers
42%
Small annd
Marginaal
Farmerrs
58%
206
Chart
C 8 : SE
EASON WIS
SE PROGR
RESS ON PR
REMIUM COLLECTE
C ED
UNDE
ER NAIS
(Figures in Crores)
120
0
100
0
80
0
60
0 kh
harif
raabi
40
0
20
0
0
1999 20000 2001 2002 22003 2004 20005 2006 2007 2008 2009 20010
Chart 9 : SEASONW
WISE PROG
GRESS ON PREMIUM
M SUBSIDY
Y
CO
OLLECTED
D UNDER NAIS
N
(Figures in Crores)
18
16
14
12
10
kharif
8
rabi
6
0
1999 2000 2001 2002 2003
2 2004 2005 2006 20077 2008 2009 2010
207
Table 26 : CATEG
GORYWISE
E BENEFIC
CIARIES OF
F CLAIM
Chart 10 : CATEG
GORYWISE
E BENEFIC
CIARIES OF
F CLAIM
4500000
4000000
3500000
3000000
2500000
Khariif
2000000
Rabi
1500000
1000000
500000
0
Claims Farmers Claims Farmers
Benefitted Benefitted
208
Tablle 27 : SEAS
SONWISE PROGRES
P S ON CLAIIMS &
F
FARMERS B
BENEFITT
TED
S
Season Claim
ms Farmerrs
(In Croores) Benefittted
Khaarif 1589.29 71993264
Rabbi 258.79 13228303
Tottal 1848.08 85221567
Chart
C 11 : SE
EASONWIISE PROGR
RESS ON CLAIMS
C AN
ND FARME
ERS
BE
ENEFITTED
D UNDER NAIS
N
(Figures in Crores)
16000
14000
12000
10000
Khariif
8000
Rabi
6000
4000
2000
0
Claimss Farmers Benefitted
groown in alm
most the enttire areablee area, the coverage of
o crops
209
under the scheme is abysmally low varying from 6.24% to
insstitutions, co-operative
c e societies facilitatingg the incluusion of
Tab
ble 29 : YEA
ARWISE CO
OVERAGE
E OF NAIS LOANEE
L & NON-LOA
ANEE
FARMER
RS (KHARIIF & RABI SEASONS))
211
(Figures in Lakhs)
212
99.12
25.58 23.24
21.54 20..09 20.116
14.89 16.13 18.664 15.91
12.23 14.488
0.8
88
1999 2000 20001 2002 20003 2004 20005 2006 20077 2008 2009 2010
% OF FARME
ERS COVERE
ED UNDER NA
AIS
ERS NOT COVERED UNDER NAIS
% OF FARME
Tab
ble 30 : COV
VERAGE OF
O NAIS LO
OANEE & NON-LOAN
N NEE FARM
MERS
213
art 14 : COV
Cha VERAGE OF
O NAIS LO
OANEE & NON-LOAN
N NEE FARM
MERS
(KHARIF 2000 – 20100 AND RAB
BI 1999-20100)
LOA ANEE
338%
NON-
LOANEEE
62%
6.6.3 CU
URRENT STATUS
S OF PAR
RTICIPAT
TION IN NAIS
IN
N MAHAR
RASHTRA
A (Table 50)
Table
T 31 : SE
EASON-WIISE COVER
RAGE OF FARMERS
F UNDER NA
AIS
Seaso
on / Khaarif Raabi
Yea
ar Loaanee N
Non-Loanee
e Loaanee Non-Loan
nee
199
99 0 0 1.02 0.19
200
00 2
24.24 1.06 2.75 1.46
200
01 2
23.03 3
3.64 0.71 0.15
200
02 15.34 2.6 0.21 2.26
200
03 11.48 5
5.79 0.37 9.98
200
04 11.73 8
8.96 0.59 0.82
200
05 12.56 10.6 0.7 1.69
200
06 0 166.38 0 0.38
200
07 0 188.92 0 0.92
214
Season / Kharif Rabi
Year Loanee Non-Loanee Loanee Non-Loanee
2008 0 34.53 0 0.52
2009 0 31.02 0 0.82
2010 0 21.25 0 0.56
Total 98.38 154.75 6.35 19.75
215