Notification for Mango, Banana (Fruit), and Cashew-nut Crops in certain Districts of Andhra Pradesh State for implementation of the Scheme
AGRICULTURE –
National Crop Insurance Programme (NCIP) – Weather Based Crop Insurance Scheme
(WBCIS) –Rabi 2014-15 - Notification for Mango, Banana (Fruit), and Cashew-nut
Crops in certain Districts of Andhra Pradesh State for implementation of the
Scheme - Notification - Orders – Issued.
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AGRICULTURE &
CO-OPERATION (Agri.II) DEPARTMENT
G.O.Rt.No631
Dated:19-11-2014
Read
From the
Commissioner & Director of Agriculture, AP, Hyderabad Letter No.Crop. Ins
(2)/35/2014, dated 29-10-2014.
-oOo-
O R D E R:
The following
Notification shall be published in the Andhra Pradesh State Extra-ordinary
Gazette dated 19-11-2014.
N O T I F I C A T I O N
The Government of
Andhra Pradesh hereby notify the following Crops and Districts during Rabi
2014-15. The main features / Operational Modalities of the scheme alongwith
Term Sheets vide Annexure I to IX in respect of Mango, Annexure I to XVII in
respect of Banana (Fruit) and Annexure I to XI in respect of Cashew-nut crops
are appended to this order.
1
2. The claims
under NCIP – WBCIS shall be settled on the basis of the Weather data furnished
by the
APSDPS/State
Govt. Mandal Level Rain Gauge Stations/IMD Weather Stations for the notified
crops & districts and not on the basis of individual declaration of crop
damage Annavari Certificate/Gazette notification declaring the area
Drought/Flood/Cyclone affected etc., issued by the Government.
3. The
Commissioner & Director of Agriculture, Hyderabad shall take further action
in the matter.
( BY ORDER AND IN
THE NAME OF THE GOVERNOR OF ANDHRA PRADESH )
ANIL CHANDRA
PUNETHA,
PRINCIPAL
SECRETARY TO GOVERNMENT
Notification
of Mango, Banana & Cashewnut Plantations under National Crop
Insurance
Programme (NCIP) - Weather Based Crop Insurance Scheme (WBCIS) during Rabi
2014-15 season in Andhra Pradesh.
THE
MAIN FEATURES / OPERATIONAL MODALITIES
The
Department of Agriculture & Cooperation, Ministry of Agriculture,
Government of India notified National Crop Insurance Programme (NCIP), a
central sector scheme in order to insulate the farming community against
agricultural risks and issued the administrative instructions for
implementation vide letter No. 13015/02/2012–Credit–II, dated 21st February, 2014. Weather Based Crop Insurance Scheme
(WBCIS) is one of the components of NCIP and the objective of this scheme is to
mitigate the hardships of the farmers against likelihood of financial losses on
account of anticipated crop loss resulting from the incidence of adverse
weather conditions of weather parameters like Temperature, Rainfall, Humidity
etc. The State Level Coordination Committee on Crop Insurance convened a
meeting on 29th September,
2014 and decided to implement NCIP – WBCIS for Rabi 2014-15 season in respect of
Mango, Banana and Cashewnut Plantations in the selected districts of Andhra
Pradesh.
1.
PLANTATIONS/DISTIRCTS NOTIFIED:
(a)
MANGO PLANTATIONS in selected mandals of Srikakulam,
Vizianagaram,
Visakhapatnam, East Godavari, West Godavari,
Krishna,
Prakasam, Chittoor, Kurnool and YSR Kadapa districts.
(b)
BANANA PLANTATIONS in selected mandals of Vizianagaram,
East
Godavari, Kurnool, Guntur and YSR Kadapa districts.
(c)
CASHEW NUT PLANTATIONS in selected mandals of Vizianagaram
and
Srikakulam districts.
2.
REFERENCE WEATHER STATIONS:
The
lists of Reference Unit Areas (RUAs) in the respective districts notified along
with a list of
corresponding
Reference Weather Stations (RWS) and Back up Weather Stations (BWS) for Mango Plantation
is annexed (Annexure - II.1.a to II.10.a),
for Banana Plantation is annexed (Annexure – VI to X) and for Cashew nut Plantation is annexed (Annexure - III & IV). In case of non-availability of weather
data from the respective Reference Weather Stations or Back up Weather
Stations, as an alternative, State Govt. Mandal level Rain gauge Stations/IMD
Weather Stations data will be considered for weather data updating as well as
for claims computation.
3.
AREA APPROACH:
Reference
unit areas are linked to specific reference weather stations and the reference
unit areas are the Geographical areas situated around the reference weather
stations, which is deemed to be reflective of the Reference Weather Stations’
for weather data. To the extent feasible, such Reference Unit-Area shall be
restricted to Mandal for notified weather parameters.
4.
CULTIVATORS ELIGIBLE FOR COVERAGE:
All
the cultivators (including sharecroppers and tenant cultivators) growing the
Notified Plantation i.e., Mango, Banana &Cashew nut in any of the Reference
Unit Areas shall be eligible for coverage. The Scheme shall be:
Compulsory:
For all LOANEE APPLICANT CULTIVATORS i.e. those who have sanctioned Credit
Limit from Financial Institutions (Co-op Banks, Commercial Banks including
private commercial Banks, RRB’s etc.,) for the Notified Crops in a Reference Unit
Area.
Voluntary:
For NON -LOANEE CULTIVATORS i.e. those who have not availed Crop Credit from
any Financial Institutions for the above said plantations.
5.
PERILS COVERED: Following are the weather perils, which are deemed to cause “Adverse
Weather Incidence” affecting crop health, leading to crop loss, would be
covered under the Scheme:
For Mango
Plantation:
i)
Excess/Unseasonal Rainfall
ii)
Pests & Diseases (High Relative Humidity & Low Temp.)
iii)
Daily Temperature Fluctuation
iv)
Daily Maximum Wind Speed
For
Banana Plantation
i)
High Relative Humidity
ii)
Excess Rainfall
iii)
High Temperature
iv)
High Wind Speed
For
Cashew Nut Plantation
i)
Unseasonal/Excess Rainfall
ii)
High Temperature
iii)
Disease congenial climate
iv)
High Wind Speed
6.
RISK PERIOD:
For
Mango Plantation: Risk period commences from 15th Dec, 2014 and will be
in
force till 31st May, 2015
and the table containing the coverage periods at different phases are given
here:
Table-1: Coverage details:
9.
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 systems as in National Agricultural Insurance Scheme (NAIS).
Guidelines
to the Financial Institutions are annexed herewith (Annexure IX,
XVII
and XI respectively for Mango, Banana and Cashew nut
plantations).
Nodal
Bank Branches shall be paid by AIC a service charge of 4% on the
actual
premium amount remitted by them.
(b) Insurance
coverage of Non-loanee cultivators shall be through the existing
network of (FIs)
at the grass-root level; the designated Insurance
Intermediaries/PSU
General Insurance Companies/Micro Insurance Agents of
AIC. It is
mandatory for the Non Loanee cultivator to provide the bank account
details in the
proposal form and submit Xerox copy of the bank passbook,
Pattadhar Pass
Book / 10-1B Adangal. It is also mandatory to submit Crop Sown
Certificate by
the Revenue Officer/ Agricultural Officer/Horticultural Officer of the
State government
at village level.
10. SUM INSURED:
For Mango
Plantation: .450/- per tree in the age group of 5-15 years
and .800/- per
tree in the age group of 16-50 years.
Loanee Applicant
Cultivator’s: `Area under cultivation’ for the Notified
Plantation as
already declared by him/her in the Loan Application form for the
purpose of fixing
his/her “Maximum Borrowing Limit (MBL) “by the Lending
FI, multiplied by
the stipulated Sum Insured per hectare i.e. On average for 100
mango trees
coverage.
Non-Loanee
Cultivators: The Cultivators shall declare the number of trees
proposed for
insurance and `area under cultivation’ in the Insurance Proposal
Form. The number
of trees proposed for insurance should be multiplied by the
Sum Insured per
tree (the coverage per hectare means average of 100 mango
trees ) .
For Banana
Plantation: .1,00,000/- per hectare.
Loanee Applicant
Cultivator’s: `Area under cultivation’ for the Notified
Plantation as
already declared by him in the Loan Application form for the purpose
of fixing his “Maximum
Borrowing Limit (MBL) “by the Lending FI, multiplied by the
stipulated Sum
Insured per hectare i.e., Rs.1,00,000/-.
Non-Loanee
Cultivators: The Cultivators shall declare the `Area proposed for
Insurance ’ for
the Notified plantation in the Insurance Proposal Form and multiply
by the stipulated
Sum Insured per hectare i.e., Rs.1,00,000/-.
For Cashew Nut
Plantation: . 50,000/- per hectare.
Loanee Applicant
Cultivator’s: `Area under cultivation’ for the Notified
Plantation as
already declared by him in the Loan Application form for the purpose
of fixing his “Maximum
Borrowing Limit (MBL) “by the Lending FI, multiplied by the
stipulated Sum
Insured per hectare i.e., Rs.50,000/-.
Non-Loanee
Cultivators: The Cultivators shall declare the ‘Area proposed for
Insurance ’ for
the Notified plantation in the Insurance Proposal Form and multiply
by the stipulated
Sum Insured per hectare i.e., Rs.50,000/-.
In case of any of
the above crops, the Non-loanee farmers will have
flexibility to
insure smaller amounts within maximum limit, but not less than
50% of limit of
Sum Insured
11. PREMIUM RATE,
SUBSIDY AND REMITTANCE OF PREMIUM:
A ready reckoner
of Crop-wise Premium rates, subsidy portion of State and
Central Govt. and
farmer’s Contribution is presented in the table. The farmer’s
contribution is
exactly 50% of the total premium. The balance premium shall be
shared by Central
Govt. and Government of Andhra Pradesh on 50:50 basis and
released as
upfront subsidy and for AIC the risk incepts only upon receiving the
full premium.
The premium shall
be remitted through Demand Draft favouring “AIC of India,
payable at
Hyderabad”. Separate Demand Drafts need to be obtained for
coverage of
Loanee and Non-loanee farmers.
12. COMPENSATION
PAY-OUT: Pay-out computation would be based
on the notified
weather parameters and the details of triggers which are
specified in the
term sheets as shown in item 17. Maximum pay-out will
be limited to Sum
Insured.
Claims under WBCIS will be settled on the basis of weather data
provided by the Departments of Government of Andhra Pradesh
(as mentioned in above para 2) and not on the basis of Annavari
Certificate / Gazette notification declaring the area as Drought /
Flood / Cyclone affected etc., by the District Collectors or any
other Govt. Official.
TRIGGER
WEATHER: Trigger Weather is pre-defined and being
notified
as per annexure with reference to the weather parameters and
Reference
Unit Area as detailed above and has been fixed so, keeping
in
mind the broad weather parameter requirement of Mango in the
selected
mandals of all these 10 districts being notified. The relevant
term
sheets applicable for these mandals of the said districts are
annexed
herewith in Annexure I.1.ato I.10.a. For
Banana in selected
mandals
of Vizianagaram, East Godavari, Kurnool, Guntur and YSR
Kadapa
Districts. The relevant term sheets applicable for the selected
mandals
of the said districts are annexed herewith in Annexure I.a to I.i,
II.a to
II.g, III.a to III.g, IV.a to IV.f & V.a to V.e respectively. For
Cashew
Nut in selected mandals of Vizianagaram and Srikakulam
Districts
the relevant term sheets applicable for the selected mandals of
the
said districts are annexed herewith in Annexure I.a to
I.n & II.a to
II.h respectively.
13.
SUBMISSION & STORING OF WEATHER DATA: Weather data
will
be provided by Automatic Weather Stations set up by Andhra
Pradesh
State Development Planning Society (APSDPS) of Planning
dept.,
of Govt. of Andhra Pradesh to AIC on day to day basis for the
insured
period i.e., from 15th December
2014 to 31stMay,
2015.
REFERENCE
WEATHER STATION (RWS): This refers to the
Automatic
Weather Station operating for the particular Reference Unit
Area
i.e., Mandal (as detailed in the annexure) operating for the relevant
Reference
Unit Area for generating the Weather Data during the current
season
based on which pay-outs are processed.
BACK-UP
WEATHER STATION (RWS): It is a substitute Weather Station
to be
used only in case the weather data from the specified Reference
Weather
Station for the current season is unavailable /defective for any
reason.
In the extreme case of absence of BWS data, data of BWS of BWS
or
alternate data (Manual rain gauge station data for rainfall) may be
adopted.
Names of both Reference and Back-up Weather Stations are
detailed
in annexure (II.1a to II.10a (Mango), VI to
X
(Banana) & III, IV (Cashew nut)).
14.
PAY-OUT DISBURSEMENT:
(a)
Pay-outs would be made by AIC to the Nodal Banks in respect of
loanee
farmers for onward credit to the individual farmers account. In
case
of non-loanee farmers who are enrolled directly or through other
channels,
the claim amount will be credited electronically to their
individual
bank accounts.
(b)
So far as the Insured is concerned, the Pay-out procedure shall be
automatic;
that is to say, Pay-outs would be computed by AIC on the
basis
of Actual Weather Data received and the Pay-out would be
automatically
credited to the Insured’s Bank account
15.
ADMINISTRATION OF THE SCHEME:
The Scheme shall
be administered by AIC whose responsibilities are
subject to the
discharge of the roles and responsibilities of the other
Agencies/Financial
Institutions/Govt. Departments/Committees as laid
down in the
Scheme Document and its Operational Modalities.
16. PUBLICITY
& AWARENESS:
Dept. of
Horticulture/Agriculture would take up wide publicity and
awareness camps
in coordination with AIC to popularize the scheme
and mobilize
coverage of maximum number of loanee and non-loanee
farmers.
17. TERM SHEET:
The term sheets
contain the details of triggers for Excess/Unseasonal
Rainfall, Average
Relative Humidity, Maximum & Minimum Temperature
and Maximum Wind
speed wherever applicable and are annexed for
each notified
crop and each notified Reference Unit Area.
18. LIMITATIONS
& DISCLAIMERS:
(a) The Scheme is
NOT a Yield Guarantee Scheme, and is based on
“Area Approach”
as opposed to “Individual Approach” – whereby
assessment of
compensation would be made on Reference Unit
Area Basis and
not on the basis of every individual insured who
might have
suffered a loss:
(b) The Scheme shall
be null and void and no benefit shall be
payable in the
event of untrue or incorrect statements,
misrepresentation
or on non-disclosure in any material fact in the
proposal form/
personal statement/ declaration and connected
documents, or any
material information having been concealed, or a
claim being
fraudulent or any fraudulent means or devices being
used by the
Insured or any one acting on his behalf to obtain any
benefit under
this Scheme.
(c) Whenever, any
clarification in respect of Declarations submitted
by FIs is sought
by AIC, the same must be submitted within two
weeks.
Thereafter, AIC is not under obligation to accept the same,
including
reopening of claims. Declarations received after the
prescribed
cut-off dates will be rejected and the responsibility/liability
for such
proposals rests with the nodal banks/FIs. The FIs shall only
be responsible for all omissions/commissions/errors committed
by them.
(d) Further, the
claims under National Crop Insurance
Programme - Weather Based Crop Insurance Scheme
(W.B.C.I.S) shall be settled on the basis of the weather data
furnished by the APSDPS/State Govt. Mandal level Rain
gauge
Stations/IMD Weather Stations, as applicable, for the notified
crops &
districts and not on the basis of individual declaration of crop
damage Annavari
Certificate/Gazette notification declaring the area
Drought/Flood/Cyclone
affected etc., Issued by the Government.
Enclosures:
For Mango Plantations:
|
1. Annexure
I.1.a to 1.10.a -- Term
Sheets for the
10 districts
being notified
2. Annexure II.1.ato II.10.a -- Notified
RUAs & List of AWS/BWS for the 10
districts
3. Annexure III
4. Annexure IV
5. Annexure V
6. Annexure VI
7. Annexure VII
8. Annexure
VIII
9. Annexure IX
|
-- WBCIS Proposal Form
-- WBCIS Declaration Form (Loanee)
-- WBCIS Declaration Form (Non-loanee)
-- WBCIS Declaration Form (Insurance Intermediary)
-- Performa of List of Cultivators - Loanee Farmers
-- Performa of List of Cultivators - Non-loanee Farmers
-- WBCIS Guidelines for Bankers
---Termsheets for the Vizianagaram district
---Termsheets
for the East Godavari district
---Termsheets for the YSR Kadapa district
|
For Banana Plantations:
|
1.Annexure I.a
to I.i
2.Annexure II.a
to II.g
3.Annexure
III.a to III.g
4.Annexure IV.a
to IV.f
5.Annexure V.a
to V.e
6.Annexure VI
to X
7.Annexure XI
8.Annexure XII
9.Annexure XIII
10.Annexure XIV
11.Annexure
|
---Termsheets for the Kurnool district
---Termsheets
for the Guntur district
---Notified RUAs& list of AWS/BWS for the 5 districts
---WBCIS Proposal Form
--- WBCIS Declaration Form (Loanee)
---WBCIS Declaration Form (Non-Loanee)
---WBCIS Declaration Form (Insurance Intermediary)
---Performa of
List of Cultivators-Loanee farmers
--- Performa of List of Cultivators-Non-Loanee farmers
--- WBCIS Guidelines for Bankers
|
F or Cashew nut Plantations:
|
1.Annexure I.a
to I.n
2.Annexure II.a
to II.h
3.Annexure III
4.Annexure IV
5.Annexure V
6.Annexure VI
7.Annexure VII
8.Annexure VIII
9.Annexure IX
10.Annexure X
11.Annexure XI XV
12.Annexure XVI
13.Annexure
XVII
|
--- Termsheets
for the Vizianagaram district
--- Termsheets
for the Srikakulam district
- -- Notified RUAs& list of AWS/BWS for the Vizianagaram
--- Notified
RUAs& list of AWS/BWS for the Srikakulam
--- WBCIS Proposal Form
- -- WBCIS Declaration Form (Loanee)
--- WBCIS Declaration Form (Non-Loanee)
--- WBCIS
Declaration Form (Insurance Intermediary)
--- Performa of
List of Cultivators-Loanee farmers
- -- Performa of List of Cultivators-Non-Loanee farmers
--- WBCIS Guidelines for Bankers
|
See full GO
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