1. National Agricultural Insurance Scheme (NAIS)

Transcription

1 1. National Agricultural Insurance Scheme (NAIS) From: To No.Agr.H(8-P)F(10)-19/2013 Directorate of Agriculture, Himachal Pradesh. Director of Agriculture, Himachal Pradesh. 1. The Registrar Cooperative Societies, Himachal Pradesh, Shimla The Managing Director, H.P. State Cooperative Bank Ltd., The Mall, Shimla The General Manager & Convener, State Level Bankers Committee, H.P., UCO Bank, G.M. Office, Himland Hotel Annexe, Circular Road, Shimla The General Manager, National Bank for Agriculture and Rural Development (NABARD), Block No.31, SDA Complex, Shimla The Regional Manager, Agriculture Insurance Co. of India Ltd., Regional Office, SCO No.64-65, Ground Floor, Sector 8-C, Madhya Marg, Chandigarh Dated: Shimla-5, the 15 th October 2015 RABI 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, 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 20 th 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, 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, Kharif and Rabi seasons.

2 -2- As decided by the State Level Coordination Committee on Crop Insurance (SLCCCI) in its meeting held on 8 th October, 2015 at 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, 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, 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).

3 -3-5. 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, 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) Wheat 80% 21,500/- 1.50% 40,500/ % Barley 80% 14,000/- 2.00% 26,500/ % 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 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 31 st January, ii) Loanee farmers 31 st March, 2016.

4 -4-9. 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 : 28 th February, 2016 Loanee farmers : 31 st May, FIXATION OF CUT-OFF DATES FOR SUBMISSION OF YIELD DATA BY THE STATE GOVT. TO THE IMPLEMENTING AGENCY: 30 th 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.

5 -5- (v) The Convener, District Level Bankers Committee will monitor the progress of this scheme in its periodical meetings time to time. Separate guidelines of National Agriculture Insurance Scheme (Rashtriya Krishi Bima Yojna) for Rabi, season shall be provided by the Agriculture Insurance Co. of India Ltd. Banks are requested to strictly adhere to the said guidelines. Encls: As above Yours faithfully, Director of Agriculture, Himachal Pradesh Endst. No. Agr.H(8-P)F(10)-19/201319/2013 Dated : 15 th October 2015 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 The Joint Secretary to the Govt. of India, Ministry of Agriculture, Department of Agriculture & Cooperation, Krishi Bhawan, New Delhi w.r.t. their letter No.13011/04/2004-Credit-II dated the 10 th July, The Chief Managing Director, Agriculture Insurance Co. of India Ltd., 13 th Floor, Ambadeep Building, 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 ed to ensure conduct of requisite 16 numbers of Crop Cutting Experiments on Wheat and Barley crops and timely submission of estimates to the quarter concerned. 5. The Secretary (Finance) to the Govt. of H.P., Shimla The Secretary (Revenue) to the Govt. of H.P., Shimla The Secretary (Coop.) to the Govt. of Himachal Pradesh, Shimla The Advisor (Planning) to the Govt. of H.P., Shimla The Director of Land Records, Himachal Pradesh, Shimla The Director, Rural Development Department, H.P., Shimla The Director of Horticulture, Himachal Pradesh, Shimla All the Deputy Commissioners (except L/Spiti) in Himachal Pradesh. 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.

6 The Director, National Sample Survey Organization (NSSO), Field Operation Division, Bosewell Villa, (Near Deepak Project), Himachal Pradesh, Shimla 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-Solan, H.P. 21. The Manager, Himachal Pradesh Gramin Bank, H.O.Mandi, District-Mandi, H.P. 22. The Secretary, The Mair Cooperative Agr. Service Coop. Society Ltd.,P.O.Mair, Tehsil and District-Hamirpur, H.P. 23. The General Manager, H.P. State Cooperative Agr.& Rural Dev. Bank Ltd., Himachal Pradesh, Shimla The Director, Information & Public Relation Department, H.P., Shimla The Station Director, All India Radio, Shimla-4, D/shala and Hamirpur, H.P. 26. The Station Director, Doordarshan Kendra, Shimla The Agricultural Information Officer, H.P., Shimla-5. Encls: As above Director of Agriculture, Himachal Pradesh

7 ANNEXURE "A" Units (Including Tehsils/Sub-Tehsils) Selected For National Agriculture Insurance Scheme (NAIS) During Rabi 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 S.No. District Unit Composition S.No. District Unit Composition 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)

9 ANNEXURE "B" Units (Including Tehsils/ Sub-Tehsils) Selected For National Agriculture Insurance Scheme (NAIS) During Rabi in Himachal Pradesh Crop: Barley S.No. District Unit Composition S.No. District Unit Composition 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) *****

10 2. Weather Based Crop Insurance Scheme (WBCIS): From To No.Agr. H(8-P)F(10)-19/2013- Directorate of Agriculture, Himachal Pradesh. Director of Agriculture, Himachal Pradesh. 1. The Registrar Co-operative Societies, Himachal Pradesh, Shimla The Managing Director, H.P. State Co-operative Bank Ltd., The Mall, Shimla The General Manager & Convener, State Level Bankers Committee, H.P. UCO Bank, G.M. Office, Himland Hotel Annexe, Circular Road, Shimla The General Manager, National Bank for Agriculture and Rural Development (NABARD), Block No.31, SDA Complex, Shimla The Regional Manager, Agriculture Insurance Co. of India Ltd., Regional Office, SCO No.64-65, Ground Floor, Sector 8-C, Madhya Marg, Chandigarh The Area Manager, ICICI -Lombard General Insurance Company Ltd., S.C.O , 1 st Floor, Sector-8C, Madhya Marg, Chandigarh The Agency Development Manager, IFFCO-TOKIO, First Floor, Savitri Bhawan, Khalini, Shimla (H.P.) Rabi Season Dated: Shimla-5, the 31 st October 2015 Subject: - Sir, Weather Based Crop Insurance Scheme (WBCIS) in H.P. Notification of Crops and Unit Areas for Rabi Season 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 20 th 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, season, as per the term & conditions contained in the scheme.

11 Implementing Agencies (IA): As decided by the State Level Co-ordination Committee on Crop Insurance (SLCCCI) in its meeting held on 8 th October, 2015 at 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, season. Crop Block / District Implementing Agency Tomato Solan, Kandaghat & Kunihar blocks of Agriculture Insurance Company of District Solan. India Ltd. (AIC) Potato Kangra, Palampur & Dharamshala blocks ICICI Lombard, GIC Ltd. of District Kangra. 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 & to Dharampur 2 Potato Kangra, Palampur, Dharamshala to Capsicum Dharampur to (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.

12 District/Crop Reference Weather Station (RWS) RWS -Solan DDH Solan office, Solan ( (Tomato) ) Reference Unit Areas Covered Backup Weather Area (RUA) Station (BWS) Solan Entire Solan block. RWS - Kandaghat RWS- Kunihar Kunihar Entire Kunihar block. RWS - Solan Kangra (Potato) Solan (Capsicum) RWS- Kandaghat Mini Secretariat, Kandaghat ( ) SMS Agr. RWS Dharampur, PCDO Patta Mehlog RWS - Kangra, KVK Kangra ( ) RWS - Dharamshala (IMD) RWS - Palampur (IMD) RWS Dharampur, PCDO Patta Mehlog Kandaghat Entire Kandaghat block. RWS - Solan Dharampur Entire Dharampur block. RWS -Solan Kangra Entire Kangra Block RWS -N. Surian Dharamshala Entire Dharamshala block. RWS - Palampur (IMD) Palampur Entire Palampur block. RWS - Dharamshala (IMD) 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, 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 Tomato & Capsicum Potato Peril Low Temperature, High Temperature, Temperature Fluctuation & Rainfall (Deficit & Excess) High Mean Temperature (HMT), Low Mean Temperature (LMT) & Excess Rainfall

13 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 Loanee Cut-off period Credit Limit sanctioned upto Last date for submission of declaration by Banks/ intermediaries to IAs Tomato & Capsicum Non-Loanee 1. Proposals to be accepted by Banks from non-loanee farmers upto Proposals to be accepted by intermediaries upto Loanee Credit limit sanctioned upto Potato Non-Loanee 1. Proposals to be accepted by Banks from non-loanee farmers upto Proposals to be accepted by intermediaries upto (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.

14 (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 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 ICICI- Lombard, GIC Ltd., ICICI Bank Account No payable at Chandigarh, and should be sent to Area Manager, ICICI -Lombard, GIC Ltd., S.C.O. No , 1 st Floor, Sector-8-C, Madhya Marg, Chandigarh (IFSC Code ICIC ). 3. IFFCO- TOKIO, GIC Ltd., Standard Chartered Bank Ltd. Account No payable at Chandigarh, and should be sent to the SBU Head, IFFCO TOKIO, GIC Ltd., S.C.O , Sector 9-C, Madhya Marg, Chandigarh. (IFSC Code - SCBL ). (13) Compensation (Payout): (I) (II) 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.. 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.

15 (III) In case of Adverse Weather Incidence (AWI), all the insured cultivators growing the Notified Crop 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-outs procedure shall be automatic; that is to say, Payouts would be automatically computed by the concerned implementing Insurance Companies on the basis of Actual Weather Data received, and the Payouts would be automatically credited to 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-operative Banks, 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 the progress of this scheme in its periodical meetings time to time. Separate guidelines of Pilot Weather Based Crop Insurance Scheme (WBCIS) for Rabi, season shall be provided by the Agriculture Insurance Co. of India Ltd., ICICI- Lombard, GIC Ltd. and IFFCO TOKIO, GIC Ltd. The Banks / Financial Institutions are requested to strictly adhere to the said guidelines. Encls: - As above. Yours faithfully, Director of Agriculture, Himachal Pradesh

16 Endst. No.Agr.H(8-P)F(10)-19/2013- Dated: 31 st October 2015 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 The Joint Secretary (Agri.) to the Govt. of India, Ministry of Agriculture, Department of Agriculture & Co-operation, operation, Krishi Bhawan, New Delhi The Chief Managing Director, Agriculture Insurance Co. of India Ltd., 13 th Floor Ambadeep Building, 14 Kasturba Gandhi Marg, Connaught Place, New Delhi Mr. Sumit Gupta, Associate Vice President, ICICI -Lombard House, 3 rd Floor, 414, Veer Saavarkar Marg, Prabhadevi, near Sidhi Vinayak Mandir, Mumbai The Agricultural Statistical Officer-cum-Member Secretary, State Level Co-ordination Committee on Crop Insurance, Himachal Pradesh, Shimla-5 for information and necessary action. 6. The Secretary (Finance) to the Govt. of H.P., Shimla The Secretary (Revenue) to the Govt. of H.P., Shimla The Secretary (Coop.) to the Govt. of Himachal Pradesh, Shimla The Advisor (Planning) to the Govt. of H.P., Shimla The Director of Land Records, Himachal Pradesh, Shimla The Director, Rural Development Department, H.P., Shimla The Director of Horticulture, Himachal Pradesh, Shimla The Deputy Commissioner, missioner, 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 operative Societies, Solan & Kangra, H.P. 17. The Lead Distt. Manager, Lead Bank Office,UCO Bank, Near LIC Office, Solan, H.P. 18. The Managing Director, Kangra Central Co-operative operative Bank Ltd., Dharamsala, Distt. Kangra, H.P. 19. The Managing Director, The Jogindra Central Co-operative operative Bank Ltd H.O. Solan, Rajgarh Road, Thodo Ground, Solan, District-Solan, H.P. 20. The Director, Information & Public Relation Department, H.P., Shimla The Station Director, All India Radio, Shimla-4, H.P. 22. The Station Director, Doordarshan Kendra, Shimla The Agricultural Information Officer, H.P., Shimla-5. Director of Agriculture, Himachal Pradesh

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20 TERMSHET FOR WEATHER INDEX INSURANCE Crop District Risk 1 Potato Kangra HMT Cover period 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 15-Mar-16 to 30-Apr-16 Fortnights 15-Mar Mar-16 1-Apr Apr Apr Apr-16 Trigger (Deg C) Strike ( 0 C) 9 Exit ( 0 C) 40 Standard Loss Rate between Strike and Exit- Notional (Rs / 0 C / Hectare) Policy Limit ( Rs / Hectare) Risk 2 Index Objective LMT 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 Jan Jan Jan-16 1-Feb Feb-16 Trigger (Deg C) Strike ( 0 C) 10 Exit ( 0 C) 28 Standard Loss Rate between Strike and Exit- Notional (Rs / 0 C / Hectare) Policy Limit ( Rs / Hectare) 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) Policy Limit ( Rs / Hectare) Sum Insured Premium 6563 Farmer's Share 3281 Data Source Settlement Date Indian Meteorological Department Thirty days after the data release by IMD and verified by Insurer.

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