Samrakshane: Portal for Crop Insurance @

What is Samrakshane ?

Samrakshane is a transparent and farmer-friendly system for enrolling in the Crop Insurance Scheme, registering claims, calculating compensation, and paying compensation to farmers.

Samrakshane is an online platform that offers a complete e-Government solution for handling crop insurance operations under both PMFBY and MWBCIS. The software has effectively acquired 16 lakh enrollments, representing a significant improvement in Rabi crop coverage from 35% to 94%.

Samrakhane Crop Insurance

According to the World Bank, roughly 60% of India’s land area is used for agricultural purposes, placing the country second in terms of agricultural land availability. The majority of this agricultural area (60 percent of total agricultural land) is rain-fed, and India ranks top among rain-fed agricultural countries. The unpredictability of monsoons poses a continual challenge to sustainable agricultural production. To offer stability to agricultural income, the Government of India, in collaboration with various state governments, has developed crop insurance plans that address farmers’ concerns and give compensation for crop loss/damage.


Yojanas under Samrakhane

Farmers can insure their crops through two schemes: the Prime Minister’s Fasal Bima Yojana (PMFBY) and the Modified Weather Based Crop Insurance Scheme (MWBCIS). SAMRAK-SHANE (meaning PROTECTION) is an end-to-end e-Governance system created, developed, and successfully carried out by the National Informatics Centre, Karnataka State unit, for the Agriculture and Horticulture Department to manage crop insurance activities under both PMFBY and MWBCIS.

Related: KLR Login Portal- Nadakacheri, Survey Documents  [Karnataka Land Records]

Smarakshane Insurance Portal

The Government of Karnataka’s Project Samrakshane is a transparent and farmer-friendly system for enrolling, registering claims, calculating compensation, and paying compensation to farmers under Crop Insurance Schemes. It seeks to simplify and expedite the distribution of claims within 8 to 12 weeks after the harvest date, crediting the funds straight to the farmer’s Aadhaar-linked account. It also allows the transparent conduct of Crop Cutting Experiment involving all stakeholders by posting videos and photographs of the experiments done.

It aids in preventing people from abusing the program by enrolling for crop insurance enrolment on other people’s land, registering numerous crop insurance enrolments on their own farm, or registering for crops that have not yet been planted. It digitally captures the Term Sheets required for payment computation under the Restructured Weather Based Crop Insurance Scheme (RWBCIS) and utilizes weather data available in electronic form from the Karnataka State Natural Disaster Management Centre (KSNDMC) in pay-out calculation.

Smarakshane Workflow

Samrakhsane Official Website Portal

Click Here to visit the official Samrakshane Website


Services offered by Samarkshane Portal

Farmers can enroll in crop insurance using a web-enabled portal provided by the application platform.

The system is compatible with the majority of browser versions.

  1. Farmers receive SMS information on the status of crop insurance on a regular basis.
  2. Farmers can visit any of the 5000 CSC locations, 9000 Bank branches, or 746 Raitha Samparka Kendra (Farmer Facilitation Centers) to obtain crop insurance services.
  3. Farmers can also call the call centers and submit a request via OTP for different agricultural catastrophe claims.

OBJECTIVES of Samrakshane System

To provide a transparent and farmer-friendly system for enrolling in the Crop Insurance Scheme, registering claims, calculating compensation, and paying compensation to farmers (both PMFBY & MWBCIS).

  1. Simplifying and speeding up the disbursement of claims to within two to three months of the harvest date and crediting the same directly into the farmers Aadhaar linked account.
  2. Facilitating transparent crop cutting experimentation involving all stakeholders and publishing videos and photos of the experiments.
  3. Why To prevent unscrupulous individuals from abusing the program by registering requests on the property of others, registering several times on their own land, or registering for crops that they have not grown.
  4. To digitize the Term Sheets used for payment computation in WBCIS and store them in a relational database, as well as to utilize weather data obtained electronically from the Karnataka State Natural Disaster Management Centre (KSNDMC) to automate payout calculation.

Farmers Benefit

Genuine farmers may easily enroll in Crop Insurance through 5000+ CSCs and 9000+ bank branches under both programs. Farmers can now get full payment of claims as early as three months and well before planting for the same season the following year. The time it takes to settle disputes has been reduced by 6-10 months. During the season, eligible farmers can get progress updates on crop insurance enrollment and claims resolution.

Samrakshane’s Significant Features

  1. Assists the Agriculture/Horticulture Department in producing crop insurance gazette notifications.
  2. Enables banks, insurance channel partners, and Raitha Samparka Kendras (RSKs) to enroll in crop insurance through PMFBY and MWBCIS.
  3. It Allows the Agriculture and Horticulture Department to send out preventative sowing and mid-term adversity notices.
  4. Farmers may file claims for localized risks and post-harvest losses without phoning a support desk or going to a bank.
  5. Automatic creation and assignment of agricultural trials using a randomized approach to select a plot for crop experimentation.
  6. Crop cutting experiments (CCEs) utilizing a mobile app based on Android. Geo-coordinates, pictures, and videos may all be captured.
  7. Compensation computation is entirely automated, utilising the actual yield from CCEs after applying the area discrepancy factor.
  8. Insurance firms may recognise enrolments, see compensation information, approve them, and access a variety of data.
  9. Insurance firms have been given access to a web interface that allows them to amend payment information back to Samrakshane.
  10. Under MWBCIS, term sheets have been collected digitally, and compensation calculations have been automated using meteorological data supplied electronically from the Karnataka State Natural Disaster Management Centre (KSNMDC).
  11. Farmers are notified through SMS at all critical phases.

What you can Do on Samrakshane website Portal?

  1. Grama Panchayats will be able to enrol crops in PMFBY and MWBCIS utilizing digital payments/Aadhaar-enabled payments.
  2. Using last season’s data, automate notice creation depending on crops generated in different insurance units.
  3. Integration of a mobile app with digitized village maps for CCE location validation and enrollment data verification to eliminate the area discrepancy problem.
  4. Controlling the enrolling period, sowing period, prohibited sowing cut off dates, mid-term adversity cut off dates, permitted period for post harvest loss claims, and localized hazards via configuration file district and crop wise to address the state’s various agro-climatic zones.


  1. Ten lakh students enrolled in Khariff 2016. (5 percent increase in enrollments in first season)
  2. 16,000 enrollments in Rabi (up from 35 percent to 94 percent coverage)
  3. The compensation payout process cycle time was decreased by about ten months. Bidar district payment was fulfilled on 14-02-2017.
  4. Linked to Aadhaar to facilitate Direct Benefit Transfer
  5. Land de-duplication was accomplished by electronic data interchange with BHOOMI (RoR database).
  6. Crop cutting experiments were done utilizing 14,000 mobile devices, and District Magistrates were provided with an alarm mechanism in the event of extravagant yield numbers.
  7. The application is used by 9000+ bank branches (two users each), 1000 RSKs (Raitha Samkaraka Kendras), Insurance companies, District Magistrates, District Statistical Officers, Joint Directors of Agriculture, Deputy Directors of Horticulture, Director, Department of Economic and Statistics, Development Commissioner, Additional Chief Secretary (Horticulture), Secretary (Agriculture), and others.

Insurance Companies Associated with Samrakshane

Please refer to the table below for district wise insurance Companies Associated with Samrakshane.

DistrictInsurance CompanyInsurance Scheme
BagalkotBajaj Allianz GICPMFBY
BagalkotSBI General InsuranceWBCIS
BallariFuture Generali India Insurance CompanyPMFBY
BallariHDFC ERGO General Insurance Co. LtdWBCIS
BelagaviUniversal Sompo GICPMFBY
BelagaviSBI General InsuranceWBCIS
Bengaluru RuralBajaj Allianz GICPMFBY
Bengaluru RuralAgriculture Insurance Company of India LtdWBCIS
Bengaluru UrbanFuture Generali India Insurance CompanyPMFBY
Bengaluru UrbanAgriculture Insurance Company of India LtdWBCIS
BidarUniversal Sompo GICPMFBY
BidarSBI General InsuranceWBCIS
ChamarajNagarBajaj Allianz GICPMFBY
ChikkaballapurAgriculture Insurance Company of India LtdPMFBY
ChikkaballapurAgriculture Insurance Company of India LtdWBCIS
ChikkamagaluruBajaj Allianz GICPMFBY
ChikkamagaluruSBI General InsuranceWBCIS
ChitradurgaUniversal Sompo GICPMFBY
ChitradurgaAgriculture Insurance Company of India LtdWBCIS
DakshinaKannadaUniversal Sompo GICPMFBY
DakshinaKannadaSBI General InsuranceWBCIS
DavangereUniversal Sompo GICPMFBY
DavangereSBI General InsuranceWBCIS
DharwadBharthi AXAPMFBY
DharwadSBI General InsuranceWBCIS
GadagBajaj Allianz GICPMFBY
GadagAgriculture Insurance Company of India LtdWBCIS
HasanAgriculture Insurance Company of India LtdPMFBY
HasanHDFC ERGO General Insurance Co. LtdWBCIS
HaveriAgriculture Insurance Company of India LtdPMFBY
HaveriHDFC ERGO General Insurance Co. LtdWBCIS
KalaburgiUniversal Sompo GICPMFBY
KalaburgiHDFC ERGO General Insurance Co. LtdWBCIS
KodaguBharthi AXAPMFBY
KodaguSBI General InsuranceWBCIS
KolarUniversal Sompo GICPMFBY
KolarHDFC ERGO General Insurance Co. LtdWBCIS
KoppalFuture Generali India Insurance CompanyPMFBY
KoppalSBI General InsuranceWBCIS
MandyaAgriculture Insurance Company of India LtdPMFBY
MandyaSBI General InsuranceWBCIS
MysuruBharthi AXAPMFBY
MysuruAgriculture Insurance Company of India LtdWBCIS
RaichurFuture Generali India Insurance CompanyPMFBY
RaichurSBI General InsuranceWBCIS
RamanagaraUniversal Sompo GICPMFBY
RamanagaraSBI General InsuranceWBCIS
ShivamoggaAgriculture Insurance Company of India LtdPMFBY
ShivamoggaSBI General InsuranceWBCIS
TumakuruFuture Generali India Insurance CompanyPMFBY
TumakuruAgriculture Insurance Company of India LtdWBCIS
UdupiFuture Generali India Insurance CompanyPMFBY
UdupiAgriculture Insurance Company of India LtdWBCIS
UttarKannadaBajaj Allianz GICPMFBY
UttarKannadaAgriculture Insurance Company of India LtdWBCIS
VijayapuraAgriculture Insurance Company of India LtdPMFBY
VijayapuraSBI General InsuranceWBCIS
YADGIRIAgriculture Insurance Company of India LtdWBCIS

Technology Platform used by Samrakshane

  • Front-end forms are created with and C# as the scripting language, utilizing Framework 4.0.
  • The back-end database is Microsoft SQL Server 2008 R2.
  • Unicode-based local language interface.
  • API Level 24 for the Android SDK
Smarakshane Software architecture

Samrakshane Premium Calculator

Please find below for a sample premium calculation, however for exact calculation you may refer to the link below.

Samrakshane Premium Calculator
Samrakshane Premium Calculator

Click Here to Calculate your crop insurance premium.

Samrakshane Report

Please find the link below to download the Samrakshane Report

Click Here

Samrakshane Reports

Samrakshane FAQs

Most Asked Samrakshane QuestionsAnswers
What is prevented sowing? When is it appropriate?
Is it based on area or on individual farmers? In such circumstances, what happens to policy?
It is suggested to provide farmers with insurance coverage in the event of a widespread incidence of qualifying risks impacting crops in more than 75 percent of the area planted in a notified unit at an early stage, resulting in total crop loss or the farmers being unable to sow or transplant the crop.
The State Government invokes the provision by notice based on the proxy Indicators.
It is based on an area approach, which implies that all farmers in the notified region are eligible for payment.
Once a claim under this provision is made, future Insurance Coverage is terminated, which means the farmer is no longer eligible for area yield-based claims computed at the conclusion of the season.
What is mid-season adversity? Is it area based or individual? Will policy close or not if mid-season adversity claims are received?It is planned to pay up to 25% of anticipated claims as immediate compensation to insured farmers in the event of poor seasonal circumstances throughout the crop season, such as floods, protracted dry spells, severe drought, and so on, if projected production is less than 50% of Threshold output.
It is based on an area approach.
The insurance will remain in effect, and these mid-season payouts will be calculated using the end-of-season area approach yield-based claims.
Can farmer insure his crop even before sowing?Yes, farmers who are insured on a voluntary basis can purchase insurance prior to sowing/planting based on advance crop planning.
Is crop sown certificate required at the time of insuring?No, Proof of land ownership, such as an RTC, is sufficient.
When can the crop be changed from what is given in the proposal by the farmer?A farmer can switch crops at any time, but must do so at least one month before the cut-off date. During this year's Khariff under PMFBY, farmers can alter their crop up to June 30th.
Is sowing certificate required for changing crop?Yes
Who is authorized to issue crop sown certificate?A Revenue Department officer at the village or sub-district level is authorised to issue crop planted certificates.
Is sum insured is equal to loan sanctioned? What if loan sanctioned is higher or lower than the sum insured?The per hectare Sum Insured, as stated in the Seasons Notification issued by the Government of Karnataka, is independent of the actual Loan amount sanctioned or taken.
farmer change the crop to be insured?Yes, provided he applies for change of crop within the time limit allowed for crop change.
Is it possible to insure more than one crop in a single proposal? if yes, what are the conditions?Yes. The crops should pertain to same scheme and same Insurance unit (Hobli or Gram Panchayat as applicable).
How and which crops are covered for post-harvest losses?It is proposed to provide for assessment of yield loss on individual plot basis in case of occurrence of cyclone, cyclonic rains and unseasonal rains throughout the country resulting in damage to harvested crop lying in the field in “cut and spread” condition up to maximum period of two weeks (14 days) from harvesting for sole purpose of drying. Crops which require “cut and spread” operation as notified by Government of Karnataka in the season’s notification only are eligible.
In Hassan, Holenarasipura, there will be tobacco intercrop – Is this covered?For each season, a list of crops insured by insurance will be provided. One might refer to the notice associated with the software itself. However, crop insurance is not available for the Kharif 2016 tobacco crop.
There are cases where in under unified package none of the 2 out of 5 stipulated coverage are taken up by farmer. What to do?According to the current rules of the Government of India, two insurances must be covered compulsorily.
Is the produce stored in the house like onion/ potato covered for post-harvest losses?No, only crops that are cut and distributed in the field will be covered.
What is the major difference between PMFBY and WBCIS?The main distinction is that in PMFBY, yield data collected from crop cutting trials is utilised to determine crop loss and pay out, whereas in WBCIS, meteorological factors such as rainfall, wind speed, humidity, and so on are used as proxy indicators to determine crop loss and pay out.
Can a farmer insure a crop on a fraction of land extent multiple times in different banks?Yes, A farmer can insure a registered crop on various fractions in multiple banks, i.e., more than once on the same land, as long as the total land extent insured does not exceed the extend he owns according to BHOOMI.
If crop loan is taken on September 15th is it covered in this Kharif 2016 for crop insurance.Credit sanction in the KCC is the criterion for insurance coverage, regardless of the amount of loan taken by the farmer or the date of loan drawing. The previous working day will be used as the cut-off date.
What if last date (cut off date) for insurance is a holiday?Yes, he can insure, according to the government's announcement. However, he can currently only insure for Kharif 2016.
Can a farmer insure crop for Kharif and Rabi for 2 seasons on same land?Yes, however such crop change requests must be submitted at least one month before the cut-off date and sent to the insurance provider via the bank.
Is there option for crop change in WBCIS?Yes. A farmer can insure for both schemes at the same time, as long as the cut-off dates for the designated crops under each programme are met.
Can a farmer insure for WBCIS and PMFBY simultaneously?It would depend on the crop he is growing; certain crops are declared under PMFBY, while others are notified under WBCIS.
Is there a limit of area to be insured under PMFBY?No limit
Does PMFBY include plantation crops?Please read the crop list informed in PMFBY notice No.???/67/??????/2016 dated April 23, 2016.
What is threshold yield?The threshold yield for a crop in a notified insurance unit is the average yield of the previous seven years (excluding up to two catastrophe years as notified by the State Government/UT) multiplied by the appropriate indemnity level for that crop.
How to insure the crops grown by Joint Liability Groups?If JLG members hold land in their own names, they can be insured individually up to the amount of their ownership.
If a member does not have land in his name, he is not protected by insurance.
If a farmer does not want loan, can he be covered?Yes, He would be insured as a non-loanee farmer.
Is there a chance of rejection of application by insurance company?Yes, The firm may reject the application in the following circumstances:
(a) If the proposal is presented after the final day for submission by a bank to the company.
(b) If the premium money is not transmitted to the firm by the bank by the deadline.
Is loan dispersal compulsory to insure crop as loanee farmer?No,
Loan sanction is the eligibility, please check clauses X.3 to 5 of the PMFBY rules.
If a loan has been santioned, the farmer must be covered regardless of whether the money has been drawn or not.
In case of KCC what has to be done if the renewal date by KCC is after cutoff date of the PMFBY?Will be taken care of.
The credit limit on the KCC account should have been set for the season.
Only non-performing accounts and new loans sanctioned after the cut-off date will be excluded.
What has to be done in case of death cases and therefore the owner of land is different from the proposer?In such circumstances, the request may be accepted provided the Village Accountant certifies that the proposer is the legal successor and has the right to the area of land that he wishes to guarantee.
Is it possible to feed on bulk data entry using excel sheet?No, each proposal must be entered separately.
Loan provided under KCC for consumption purpose i.e., 10%. Is he to be covered?If a KCC cardholder has a legally sanctioned credit limit for the season, he is entitled and must be insured for crop insurance.
A farmer takes loan in a bank for a crop having high scale of finance but not notified. He also takes loan for a notified crop in another bank. Is he to be insured?Farmers must enrol in crop insurance for recognised crops to the extent permissible under the RTC as retrieved from the BHOOMI using Samrakshane software.
How can we avoid last day rush. Can a platform for bulk data entry be enabled?There will be no support for mass data input. During busy periods, the banker must make plans for data input. According to clause IX-i.7,8,9 of the PMFBY rules, they must send the insurance data to the insurance carrier within 7 to 15 days of the cut off date. For WBCIS, he must submit information between June 30 and June 15, 2016.
PAC's do not have computerised Bank A/c's. It's manually maintained. What to do?DCC banks will make the necessary arrangements for data entry, preferably on the same day that PAC collects physical applications (proposals).
Can a farmer enrol at different places with different bank A/c's for the same crop?Yes, A farmer can enlist for a notified crop in any insurance unit provided he has a bank A/c and is growing the total extent is insuring, subject to the limit of extent he owns as per BHOOMI and he is growing the whole extent is insuring.
Can the bank decide who is SFMF based on one or on the basis of the total extent of all the lands held in different places?The SFMF states are determined by adding all of his Survey Nos. together.
The farmer would also make a proclamation.
There are no specific incentives or programmes available to such farmers.
In banks the internet speed is less and also bankers have to attend other works on the system. There will be delay. what to do?Banks are recommended to make the necessary measures.
Multiple data input operators are available to the branches.
The job must be completed within the time frame specified by PMFBY.
How much time will be available to upload applications from banks to the insurance agencies?The bank must send suggestions to the businesses as quickly as feasible.
However, proposals may be transmitted until the last day of proposal submission by the bank, which is 7 to 15 days as per clause IX, i.e. 7,8,9 of the PMFBY guidelines.
In such circumstances, if a mid-season disaster happens or a prohibition on sowing is imposed, the proposers (farmers) will not be covered by the company's insurance, leaving the bank branch fully liable.
As a result, the bank must transmit the recommendations as quickly as feasible.
What if farmer has provided wrong information in the application?The right information must be obtained from the farmer; otherwise, the application may be rejected with reasons.
If RTC is in father's name and Bank A/c is in the name of the son can the crop be insured?No.
There must be a bank account in the proposer's name.
In case of different spellings of the name in the Aadhaar and Bank A/c, can he be enrolled?
In commercial bank branches there are employees who are not well worse with Kannada?The software is available in both English and Kannada.
However, some minimum data available in Kannada, and authorities may seek assistance from others to complete the task.
Is Aadhaar seeding compulsory for bankers before the insurance? Would Insurance amount gets credited to only Aadhaar A/c.No.
Loanee farmers will have their pay out paid to their loan account, while non-loanee farmers will have their pay out credited to their bank account or Aadhaar connected account.
Does the bank branch has to cover the non loanee farmers of the bank service area only?No.
Any farmer who is not a loanee can get his land insured at any bank branch of his choice.
How many days Physical copies of the application be preserved?The actual copies, as in past years, will be kept until the full payment of insurance claims is accomplished.
The farmer is charged no interest upto 3 lakhs. When the crop insurance premium amount is sanctioned as additional loan, would he loose this benefit?The issue is being discussed at the government level.
The apex bank has been instructed to approach the government in order to obtain an exemption for the higher premium amount sanctioned.
A loanee farmer's Survey number is already covered under crop insurance, how can we find out as to which branch and for which crop it is insured for?A query is available in the Samrakshane software's MIS area.
You must choose the village and survey number, and the rest of the information will be presented.
Is it possible to cover joint owner? if yes, what are the principals?By default, in the event of joint owners, all such owners must sign and submit the proposal form.
However, if the property is really utilised independently by each of the joint owners, then any of the joint owners can apply individually as long as he obtains a certificate from the Village Accountant proving that he has the right to that piece of land.
What has to be done in case of inter crops?If two or more seasonal crops are planted simultaneously, the total insured area of all such crops combined shall not exceed the real land area of that survey number.
Wherever the Government of Karnataka Department of Economic and Statistics considers these crops to be up to 200 percent of the actual area due to area planted more than once, it is authorised to be up to 200 percent of the actual land area of that survey number.
In the event of such crops, according to Circular No. RD 133 TRR.78, dated December 12/15, 1978, and the guidelines specified in the The total insured area cannot be more than 200 percent of the land's physical area, and the area under each crop of the insurance cannot be more than 100 percent of the land's physical area, according to the Handbook issued by the Directorate of Economics and Statistics regarding the entry of crops in the RTC and the conduct of crop cutting experiments.
Please insure the agricultural area rigorously in accordance with the circular above.
What to do if pahani does not have crop information?The BHOOMI data is retrieved to validate the size of the land, not the crop.
Crop information is typically entered into the pahani after the season.
This isn't a requirement for crop insurance.
If a farmer brings old RTC on the last date, what to do?Before crop insurance may be issued, the farmer must submit the required data.
SOFTWARE If a Survey number is repeatedly insured by farmer then how would Government control that?The Crop Insurance Software “Samrakshane” created by the Government of Karnataka will not allow insuring areas larger than the size of a survey number, or insuring numerous times and exceeding the land area.
To use Samrakshane software do we need to have Bhoomi Software in the same computer?No. It is online software that is linked to the Bhoomi database inside.
All you need is a computer with an internet connection and a browser.
What upgradation or requirement of System software is required to support the Samrakshane SW? What about the browser, on which the SW is available?The programme is compatible with the most recent versions of Google Chrome and Internet Explorer 9 and above, as well as systems running Windows 7 and above.
How SW enables us to check if farmer has taken loan from some other bank?The Samrakshane programme has no data on bank loans that have been sanctioned, therefore it cannot be verified.
Why the auto debit of premium is not enabled?To enable this, the Samrakshane programme must be connected with core banking software.
As of today, no effort has been made.
How can we see the insurance application status?The application (Proposal) status may be examined by entering the proposal no. in the "Check Status" box on the website's main page, operator login, and manager login under reports.
There will be huge rush on the last day. Will more no. of data entry operators be allowed in one branch to make data entry by giving different user ID and password?Using the same user ID, several operators can be engaged.
While filling the application if there happens a mistake what to do?Partially saved applications (Insurance and proposer data) can be partially rectified at the bank operator level by opening the proposal using proposal No.
However, after the application has been completed and saved after selecting the survey number and crop, it will no longer be accessible to the bank operator.
The bank manager can be asked to return the application to the operator, and the data can then be partially changed.
If an error occurs and adjustments are unable to be made, the application may be erased and re-entered by selecting the "Delete Proposal" option.
AADHAAR Is Aadhaar compulsory? What if a farmer is not having Aadhar card?AADHAAR number 61.
Is Aadhaar mandatory?
What if a farmer lacks an Aadhar card?
If a farmer does not provide Aadhaar neither takes a declaration. What to do?The declaration is included in the proposal form.
DEPARTMENT What are the duties of agriculture and horticulture department officials?Agriculture and horticulture department personnel are responsible for the following tasks.
(1) They will serve as resource people for farmers and lenders who have questions about completing out forms or entering data.
(2) They will give adequate publicity to cover a greater number of farmers in their authority regions under crop insurance.
(3) They would keep track of the transactions done by bankers or financial institutions online for enrolling farmers in crop insurance on a daily basis. (4) They will cross-check the insured regions and confirm crop and extent accuracy as needed.
(5) They will provide the necessary crop insurance information to higher-ups as and when requested.
AIC Are pest and disease damages covered under Crop Insurance?No, not directly.
However, yield loss owing to pests and diseases, as assessed via crop cutting trials under PMFBY, or favourable weather conditions for pest and disease aggravation, as determined by yield estimations under PMFBY, will solve this problem.
If a farmer has taken subsidy for growing one crop from the department and insures for other crop. What to do?This is not permitted on the same plot of property.
Is scale of finance equal to sum insured? Is sum insured same through-out the state? What has to be done if Scale of finance fixed by DLTC is different from that of SLTC?The per hectare Sum Insured as stated by the Government of Karnataka in the season's notification is to be followed in the loan application by taking into account the season's crop and area.
This sum insured is the same for the entire state and may vary depending on the scope of funding.
Can we take beneficiaries of restructured loans for crop insurance?Crop insurance covers a certain season for which a crop loan is provided.
Restructured loans are no longer agricultural loans.
As a result, such beneficiaries have the option of enrolling as non-loanee farmers.
Farmer has no land but he is cultivating on contract basis or lease. Can he be insured?No, the Karnataka Land Reforms Act does not recognise tenancy in the state.
What if we come to know that farmer has not grown the crop for which he has insured?Inform the appropriate Department so that appropriate action can be taken.
How much time the bank manager is allowed for approval/ rejection/ return of the application?The manager must approve/reject/return the request as quickly as feasible.
He may, however, authorise till the last day of submittal.
In such circumstances, if a mid-season disaster occurs or a prohibited sowing is proclaimed, the proposers (farmers) will not be covered by the company's insurance, leaving the bank management fully liable.
As a result, the management must accept the plan as quickly as feasible.
If the manager does not reject the ineligible applications, the farmer will not be able to get insurance based on the survey number and the amount saved in that application.
Is physical verification of land required in case of loanee / non-loanee farmer required?No
If proposal is received and premium collected but not yet sent to insurance company, would insurance cover be there?Generally, insurance coverage begins only once the insurance company accepts the premium within the cut-off period for Nodal Banks to submit insurance data to the insurance company.
What is the concept of "Nodal bank"?The notion of a Nodal Bank is only relevant to cooperative banks.
In case of joint A/c whose Aadhaar is to be mentioned?The Aadhaar number of the proposer must be supplied.

Important Links

Samrakhsane Official Website–

Farmer Website-

Samrakshane Social Media Facebook

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