Notification of MNAIS and WBCIS by Kerala State Government

Modified National Agricultural Insurance Scheme(MNAIS) for Kharif -2015 Season in Kerala

AGRICULTURE INSURANCE COMPANY OF INDIA LTD., Regional Office( Kerala), 8th Floor, Carmel Towers, Cotton Hill P.O ,Vazhuthacaud, Thiruvananthapuram-695 014. Phone : 0471–2334493, 2334989 Fax : 0471-2334989 E-mail : [email protected] www.aicofindia.com

1 2 Agriculture Insurance Company of India Ltd., Regional Office (Kerala) ,8th Floor, Carmel Towers, Cotton Hill PO ,Vazhuthacaud , Thiruvananthapuram Ph: (0471)2334493, 2334989 Fax: (0471) 2334989

AICILROTVPM/MNAIS/NOTIF/F:2(7)/ 153 /2015 01.06.2015

National Crop Insurance Programme (NCIP)/ Rashtriya Fasal Bima Karyakram (RFBK) MODIFIED NATIONAL AGRICULTURAL INSURANCE SCHEME (MNAIS) Kharif 2015 Season

All Nodal Banks , Nodal Agencies & Intermediaries

Dear Sir/Madam,

NOTIFICATION OF MNAIS FOR KHARIF 2015 SEASON & GUIDELINES FOR IMPLEMENTATION

Ref: Department of Agriculture & Cooperation, Ministry of Agriculture, Govt. of India Letter No. 13015/02/2012-Credit II dated 20th March 2015 regarding approval for the Implementation of National Crop Insurance Programme (NCIP) during Xllth Plan for Kharif 2015 Season - issue of Administrative Instructions.

State Level Coordination Committee on Crop Insurance (SLCCCI)constituted as per the provision of NCIP by Govt. of Kerala in its meeting held on 15th May 2015 has decided to implement the Modified National Agricultural Insurance Scheme (MNAIS) component of National Crop Insurance Programme (NCIP)/ Rashtriya Fasal Bima Karyakram (RFBK) in the State of Kerala during Kharif 2015 season and the copy of the relevant GO (Rt) No 991/2015 /AD dated 01.06.2015 is enclosed herewith.

Accordingly as the Implementing Agency and Designated Insurance Company of the said Scheme ,we furnish below the relevant Guidelines for MNAIS implementation .

1. DISTRICTS ,CROPS AND AREAS COVERED :

Crop District Notified Area List of Notified Areas Paddy Alappuzha,Kottayam,Pathanamthitta Selected Annexure NA-I Panchayats enclosed Banana All Districts ** All Blocks Annexure NA-II enclosed Tapioca All Districts All Blocks Annexure NA-II enclosed

** In selected Panchayats/Municipalities where Banana is notified under WBCIS( as per Annexure WB-III enclosed)the loanee farmers who have been sanctioned loans during this season in these selected Panchayats/Municipalities shall be insured ONLY UNDER WBCIS and loans sanctioned for Banana cultivation in the remaining Panchayats/Municipalities shall be compulsorily insured under MNAIS

2. UNIT AREA FOR CROP INSURANCE :

For Paddy Crop,Panchayatwould be the unit area of insurance and for Banana & Tapioca the unit of insurance would be Block. The detailsof notified areas would be as per Annexure NA-I for Paddy & Annexure NA-II for Banana & Tapioca Crops

3. FARMERS ELIGIBLE FOR COVERAGE :

All farmers including sharecroppers, tenant farmers growing the notified crops in the notified areas are eligible for coverage.

4 These farmers could be:

(i) Individual owner - Cultivator / Tenant Farmers / Share Croppers

(ii) Farmers enrolled under contract farming, directly or through promoters / organizers

(iii) Groups of farmers / societies serviced by Fertilizer Companies, Pesticide firms, Crop Growers' associations, Self Help Groups (SHGs), Non-Governmental Organizations(NGOs), and Others

The Scheme will extend coverage Component-wise: a) Compulsory Component: All farmers availing Seasonal Agricultural Operations (SAO)loans from Financial Institutions (i.e. Loanee Farmers) will be covered compulsorily by the relevant Financial Institutions .Such eligible Loanee Farmers who have sanctioned credit limit for these notified crops in these notified areas need not submit any application for insuranceand the Financial Institution have to comply all the formalities of compulsory insurance by submitting the Declaration forms, Listing Sheets and requisite premium to AIC within the stipulated cut off dates. b) Voluntary Component: MNAIS will be optional / voluntary for all Non-Loanee farmers.

4. RISKS COVERED &EXCLUSIONS : a. STANDING CROP (Sowing to Harvesting)

Comprehensive risk insurance is provided to cover yield losses due to non- preventable risks, viz.:

(i) Natural Fire and Lightning

(ii) Storm, Hailstorm, Cyclone, Typhoon, Tempest, Hurricane, Tornado etc.

(iii) Flood, lnundation and Landslide

(iv) Drought, Dry spells

(v) Pests / Diseases etc.

b. PREVENTED SOWING / PLANTING RISK

In case farmer of an area is prevented from sowing / planting due to deficit rainfall or adverse seasonal conditions, such insured farmer who failed to sow / plant (but otherwise has every intention to sow / plant and incurred expenditure for the purpose), shall be eligible for indemnity. The indemnity payable would be a maximum of 25% of the sum-insured as per the methodology appended in Annexure-B.

c. ON ACCOUNT PAYMENT OF CLAIMS

In case of adverse seasonal conditions during crop season viz. floods, prolonged dry spell, severe drought, etc, an on-account payment up to 25% of the likely claim may be paid during the season in consultation with State Government .The payment would be effected only if the expected yield during the Season is less than 50% of the normal yield as corroborated by weather indicators/agro met data .In such a situation AIC shall pay 25% of likely claims in advance to the farmers through nodal banks subject to final adjustment of claim assessed based on the Crop Cutting Experiments (CCEs) on yield basis. d. GENERAL EXCLUSIONS

Losses arising out of war & nuclear risks, malicious damage and other preventable risks shall be excluded.

5. SUM INSURED LIMITS &COVERAGE : a. LOANEE FARMERS (COMPULSORY COVERAGE)

In case of Loanee Farmers under Compulsory Component, Sum Insured would be at least equal to theamount of CROP LOAN SANCTIONED ,which will be calculated as the product of farmer’s areaunder cultivation (in hectare) declared / as mentioned in loan application for that notified crop and per hectare Scale of Finance (SoF) for the crop. Farmers can opt for Higher Sum insured ,higher than the per Hactre SoF , which may extend upto the value of Threshold Yield (as per Annexure NA-III Normal Sum Insured/Ha) with premium subsidy.Higher coverage

6 upto 150% of the value of Average Yield on payment of full premium (as per Annexure NA-III Additional Sum Insured/Ha) can also be opted.

In case of Loanee Farmers under Compulsory Component the Sum Insured would be Crop Loan sanctioned amount irrespective of withdrawal/disbursement.

Wherever Normal Sum Insured/Ha is lower than the per Hactre Scale of Finance, higher of the two will be the sum insured.

In case of Loanee farmers insurance charges i.e. Premium payable by these farmers shall be additionally financed by loan disbursing office of the Bank, and will be treated as additional component to the Scale of Finance [SoF| for the purpose of obtaining loan. For loanee farmers if the amount of loan sanctioned as per scale of finance is above the normal sum insured , the full amount sanctioned would be eligible for premium subsidy as the full sanctioned amount needs to be compulsorily covered. b. NON-LOANEE FARMERS (OPTIONAL COVERAGE):

Farmers, who are cultivating the Notified Crop in the Notified Areas during the season but not covered as Loanee Farmers, are considered as Non-loanee farmers and are eligible under optional coverage. For such farmers covered on voluntary basis the Sum Insured is upto the value of Threshold Yield of the insured crop (as per Annexure NA-III Normal Sum Insured/Ha) at subsidized premium rates .Higher coverage upto 150% of the value of Average Yield on payment of full premium (as per Annexure NA-III Additional Sum Insured/Ha) can also be opted .

Such farmers shall fill up and submit the Proposal Form along with premium and other documents to nearest Bank Branch or Authorised channel partners or Insurance intermediaries of the Insurance Company within the stipulated cut-off- date. Operating a Savings Bank Account is essential.

6. PREMIUM RATE, SUBSIDY AND SHARING OF PREMIUM SUBSIDY :

Full Premium Rates have been worked out on Actuarial Basis. Premium subsidy shall be available to farmers only up to Compulsory coverage for loanee farmers and value of Threshold Yield (TY)/Guaranteed Yield for non loanee farmers. The difference between the Actuarial (Gross)Premium and the Premium payable by the farmer upto Normal Sum Insured Limits is subsidized and shared between the

7 Government of India and State Government .For District-wise , Crop-wise Full Premium Rate and Net Farmer’s Premium Rate (after Subsidy), Please refer Annexure NA-III

7. SHARING OF RISK :

Claim liability rests with Agriculture Insurance Company of India Ltd

8. SCHEME APPROACH AND UNIT OF INSURANCE : a. Widespread Calamities

The Scheme would operate on the basis of ‘Area Approach' i.e., Defined Areas for each notified crop for widespread calamities. The Defined Area (i.e., unit area of insurance) for Paddy crop in Kharif 2015season is a‘Panchayat’ and for Banana & Tapioca Crops it is a ‘Block’. b. Localized Calamities

Indemnity for localized calamities is not implemented in Kerala

09. SEASONALITY DISCIPLINE :

For the Seasonality discipline and various cut-off datesfor coverage & submission applicable for Loanee and Non-Loanee FarmersforKharif 2015 season,please refer Annexure NA -IV .

10. ESTIMATION OF CROP YIELD AND SUBMISSION OF YIELD DATA :

The Department of Economics & Statistics (DES) will plan and conduct the requisite number (4 nos in each Panchayat for Paddy and 16 nos in each Block for Banana & Tapioca) of CropCutting Experiments (CCE’s) in order to assess the crop yield. State Govt. will maintain single series of Crop Cutting Experiments and resultant yield estimates, both for crop production estimates &cropinsurance. Individual CCE-wise yield data will be submitted to insurer while submitting the yield estimates at insurance unit level.The cut off dates for submission of yield data for these crops by DES to AIC for processing the claims is as per Annexure NA-V enclosed.

8 11. INDEMNITY LEVEL AND THRESHOLD YIELD :

District-wise applicable Indemnity Levels for Paddy,Banana& Tapioca is as per Annexure NA- III.

Threshold yield (TY) or Guaranteed Yield for the crop is the average yield of the preceding 7 years (excluding 2 years of natural calamity declared) wherever applicable, multiplied by applicable indemnity levels.

Claims will be settled only at the Notified Area (Panchayat/Block as the case may be) level by considering the actual yield data of these Notified Areas and comparing the same with the respective Guaranteed Yield .

12. NATURE OF COVERAGE AND INDEMNITY : a. Widespread Calamities

Claims will be settled solely on the basis of the yield data as furnished by the DES based on CCE conducted under GCES and not on any other basis such as Annawari/Paisawari/declaration of natural calamity by Govt. dept./Agency or any certificate to this effect(Crop loss certificate issued by Agriculture Officer/ Revenue Authority etc ) issued by any Government Authority. b. On Account Payment of Claims

In case of adverse seasonal conditions during crop season viz. floods, prolonged dry spell, severe drought, etc, an on-account payment up to 25% of the likely claim may be paid during the season in consultation with State Government .The payment would be effected only if the expected yield during the Season is less than 50% of the normal yield as corroborated by weather indicators/agro met data .In such a situation AIC shall pay 25% of likely claims in advance to the farmers through nodal banks subject to adjustment of final claim assessed based on CCE’s in the said notified areas.

In case at the end of the season, the yield based claims works out to be higher, then the difference of claim would be payable and in case it happen to be lower, then AIC reserves the right to recover the excess claim so paid to the farmer.

For this crop-wise and notified area-wise area sown details ,acreage of affected areas, details of estimated losses and agro meteorological data needs to be

9 submitted by Department of Agriculture to AIC. On receipt of above reports the quantum of indemnity will be decided in consultation with State Govt. AIC shall take all efforts to settle the claims within one month after the receipt of aforesaid reports. c. Prevented Sowing / Planting compensation: At times the insured area is prevented from sowing/ planting due to deficit rainfall or adverse seasonal conditions. If failure of sowing / germination is observed in more than 75% of the area in the notified units, AIC shall pay the claims as given below and terminate the insurance for further period.

1 Total Failure of Sowing 12.50% of SI as Compensation

2 Sowing is done, but germination failure 18.75% of SI as Compensation

3 After germination crop withering away at 25.00% of SI as early state Compensation

For this crop-wise and notified area-wise area sown details ,acreage of affected areas, details of estimated losses and agro meteorological data needs to be submitted by Department of Agriculture to AIC. On receipt of relevant above reports the quantum of indemnity will be decided in consultation with State Govt. AIC shall settle the claims positively within one month after the receipt of aforesaid reports.

Having received indemnity under Prevented Sowing / Planting compensation, the insurance coverage will be automatically terminated i.e. the insurance cover cease to operate for the subsequent period of the season. d. Localized Risks:Indemnity for localized risks is not implemented in Kerala

10 13. BANK SERVICE CHARGES :

The Servicing banks would be paid @4% of premium remitted as Bank Service Charges.

14. ENROLMENT OF NON-LOANEE FARMERS :

Non-loanee farmers can avail insurance coverage under MNAIS through existing banking network or through brokers / authorized agents / representatives of AIC/UIIC subject to fulfillment of following conditions: a. Non-loanee farmer must have an operational bank account in any bank b. Farmer has to submit duly filled-in prescribed proposal form along with documents insupport of his ownership of land and crop cultivated and requisite premium within stipulated period. If required, AIC may call for certificate of sowing of the insured crops.

15. IMPORTANT CONDITIONS/CLAUSES APPLICABLE FOR COVERAGE OF RISK :

• Implementing agency possesses the discretion to accept or reject any risk of definedarea(s) for any crop(s) considering the prevailing agricultural situation. Mere sanctioning / disbursement of crop loans and submission of proposals/declarations and remittance of premium by the farmer / bank without explicit intent to raise thecrop, does not constitute acceptance of risk by implementing agency.

• Implementing agency if deemed necessary shall investigate the coverage on its own or by an agency appointed for the purpose and shall for this purpose utilize satellite imagery data for identification of anomalies in crop insurance coverage vis-à-vis actual field conditions. Upon identification of adverse phenomenon based on such investigations, implementing agency may resort to scaling down of Sum Insured. In such cases no refund of premium paid by farmers shall be made by AIC.

• In case of any substantial misreporting by nodal bank / branch in case of compulsory farmers coverage, concerned bank only shall be liable for such loss due to mis-reporting.

11 • Any loss in transit due to negligence or non-remittance of premium by nodal banks, AIC is not liable for payment of claims.

• AIC will have discretion to accept or reject any risk of an insurance unit(s) for any crop(s) considering prevailing agricultural situation. Mere sanctioning / disbursement of crop loans and submission of proposals / declarations and remittance of premium by farmer / bank, without explicit intent to raise the crop, does not constitute acceptance of risk by AIC.

• Where the acreage insured is more than the acreage sown under a particular crop at the insurance unit level, AIC can scale down the sum insured on pro-rata basis, and settle the claims on the scaled down sum insured.

16. Role & Responsibilities of Financial Institutions/Banks:

• For purpose of MNAIS, scheduled banking institutions engaged in disbursing Seasonal Agricultural Operations (SAO) loans as per relevant guidelines of NABARD / RBI shall be reckoned as Banks.

• Notification, as well as other directives, guidelines, etc., shall flow as AIC ► Nodal Bank ► Service (subordinate) Bank Branch / PACS. While compensation remittance from AIC shall follow same route, the remittance of premium shall follow the reverse route.

• Communicate Notification, as well as other directives, guidelines, etc. as such to all service (subordinate) bank branches / PACS within their jurisdictional area.

• Ensure that lending branches / PACS within their jurisdictional area sanction additional loan component to loanee farmers towards net premium payable by them.

• Ensure that all service (subordinate) bank branches within their jurisdictional area serve all non-loanee farmers desiring and eligible to take insurance cover under MNAIS. Such service will include opening bank

12 account of non-loanee farmers, guiding them to fill up proposal forms, accepting premium from them and maintaining records etc.

• Banks should ensure that all the eligible crop loans/seasonal operational loans including those sanctioned under KCC taken for notified crop(s) are fully insured and prepare the declarations for Loanee and Non-Loanee cultivators and forward the same to AIC along with the premium amount and other details of the insured farmers and confirm the conditions stated in the declarations submitted have been complied with.

• The crop-wise sanctioned credit sub-limits approved under KCC based on actual area proposed in the loan application form should only be considered for mandatory insurance coverage of eligible loanee farmers .Sub-limits towards other purposes ( consumption loans, medium-term loans etc) must be excluded from crop insurance coverage.

• Nodal Bank should ensure submission to AIC within stipulated time the notified crop-wise, insurance unit-wise , Category-wise & Gender-wise Declarations with listing sheet in the prescribed format, along with consolidated Premium payable separately for both loanee farmers and non- loanee farmers.

• AIC shall acknowledge all the declarations submitted by the banks mentioning the details of crop, area, sum insured etc. The banks should cross check the data with their records, and aberrations if any, should be brought to the notice of the AIC immediately. If no response is received from banks within 15 days, the details given in the acknowledgement shall be considered final and no changes would be accepted later on.

• Nodal bank will also arrange for onward transmission to service (subordinate) bank branches / PACS, compensation amounts as received from AIC with all details, to be credited to beneficiary accounts.

• The claim proceeds of MNAIS received from AIC should be credited to the respective beneficiary bank account within seven days. The list of beneficiary cultivators with claim amount shall be displayed by the Branch / Primary Agricultural Cooperative Society (PACS) and a copy shall also be provided to the Chairman/Sarpanch/Pradhan of the village Panchayat. The Banks shall issue a utilization certificate to AIC that entire money received

13 towards settlement of claims has already been credited into the account of beneficiaries.

• Declarations received from the Banks/PACS after the cut-off date shall be summarily rejected and the liability, if any, for such declarations shall rest with the concerned bank. Therefore, the Banks/PACS must strictly adhere to the cut-off date for coverage and submission to AIC . The Banks/PACS must also ensure that the declarations along with the premium amount is remitted to AIC within the stipulated time, failing which the concerned nodal bank shall be responsible for payment of claims, if any to the farmers.( Please refer Annexure NA-IV for Cut Off Dates)

• Maintaining the records of proposal forms, all the other relevant records, registers, documents and statements at offices of Nodal Bank and service (subordinate) bank branches within their jurisdictional area for the purpose of scrutiny / verification by AIC or its authorized representatives and District Level Monitoring Committee ( DLMC).

• Under administrative mechanism, banks are designated as terminal service points for farmers. Hence, it is their bounden duty to ensure compulsory coverage of all eligible loanee farmers and all interested non-loanee farmers.

• Banks should ensure that the cultivator is not deprived of any benefit under the Scheme due to errors / omissions / commissions of the Nodal Bank/Branch/PACS, and in case of such errors, the concerned institutions shall only make good all such losses.

• Officers of AIC shall be permitted to access all relevant records / ledgers at the Nodal Bank / Branch / PACS at all times for the purpose of smooth implementation of the scheme.

• The Nodal Banks has to send the Listing Sheet in the prescribe format to AIC through E-Mail: [email protected] within 15 days after final cut-off date for submission of Proposal / Declaration to AIC.

• Mail us at [email protected] for soft copies of instructions, Proposal and Declaration forms.

17 . FORMATS TO BE USED BY BANKERS:

Sl No Format Formats to be used by As per 1 Listing Sheet Format Bank Branches/PACS Annexure NA-VII 2 Proposal Form- Annexure NA-VIII Loanee ( Only if Bank Branches/PACS Additional Coverage is opted) 3 Declaration Form- Annexure NA-VI Nodal Bank/Controlling Bank Loanee 4 Declaration Form - Nodal Bank/Controlling Bank Annexure NA-IX Non- Loanee 5 Proposal Form-Non- Direct/Through Annexure NA-X Farmer Loanee Intermediary Farmer Through Banks Annexure NA-XI 6 Farmer Registration Annexure NA-XII Form Non-Loanee Farmer

The lending banks branches/PACS should prepare Listing Sheets (as per Annexure NA-VII) and forward it to their controlling banks/nodal banks. The nodal banks in turn should consolidate the details and submit to AIC the Declarations ( separate for loanee & non-loanee farmers as per Annexure NA- VI & Annexure NA-IX prepared crop-wise, panchayat-wise, gender-wise and category-wise) along with the Listing Sheet within stipulated Cut-Off dates .

The Loanee farmer if opting for additional coverage should submit to the bank branch a duly filled in Proposal form( as per Annexure NA-VIII).The proposal form for Non-Loanee farmers is enclosed as Annexure NA-X (Direct/Through Intermediary) &Annexure NA-XI (Through Banks).

The Non-Loanee farmers who have not registered with AIC need to fill in the Farmer Registration Form as enclosed.(Annexure NA-XI)

Bank Branches/PACS( Listing Sheet)--->Nodal/Controlling Banks ( Declaration Forms, Listing Sheet & Premium DD ) ---->AIC

15 We request you to implement the MNAIS as per these guidelines furnished and issue necessary circulars in this regard to all your Bank Branches/PACS urgently. In case of any clarification required you may contact us in the below mentioned address:

AGRICULTURE INSURANCE COMPANY OF INDIA LTD. Regional Office ( Kerala ) 8th Floor , Carmel Towers , Cotton Hill PO ,Vazhuthacaud, Thiruvananthapuram- 695014. Ph. : 0471-2334493 Fax : 0471-2334989 E-mail: [email protected]

For any grievances contact the Grievance Redressal Cell at the Regional Office in the above mentioned address

Thanking You,

Yours faithfully

D Rajesh Regional Manager

Copy to:

1. The Agriculture Production Commissioner Govt. of Kerala, Thiruvananthapuram 2. The Secretary (Finance) ,Govt.of Kerala, Secretariat, Thiruvananthapuram. 3. The Secretary ( Agriculture ) , Govt.of Kerala, Secretariat, Thiruvananthapuram. 4. The Director, Department of Agriculture, VikasBhavan, Thiruvananthapuram. 5. The Registrar of Co-operative Societies, Thiruvananthapuram. 6. The Director, Department of Economics& Statistics, Thiruvananthapuram. 7. The General Manager, RBI (Rural Planning & Credit), Thiruvananthapuram 8. The Chief General Manager, NABARD, RO, Thiruvananthapuram 9. The General Manager &Convenor, SLBC, Canara Bank, Thiruvananthapuram. 10. The Chief(Agri) State Planning Board ,Thiruvananthapuram 11. The Managing Director, Kerala State Co-op. Bank Ltd., Thiruvananthapuram 12. All Controlling Offices of Commercial Banks, Regional Rural Banks in Kerala. 13. District Collectors of the implementing Districts. 14. Director, India Meteorological Department (IMD), Thiruvananthapuram.

Annexure -B

Methods of Indemnification

The crop loss shall be assessed on the basis of following indemnification methods, as per the provisionsof the Scheme and Operational Modalities-

(A) Wide Spread Calamities:

(i) Based on Season End Yield:

The Department of Economics& Statistics (DES) will plan and conduct at least 4 Crop Cutting Experiments (CCEs) in eachnotified insurance unit (Panchayat) for Paddy and 16 CCEs in each notified Block for Banana & Tapioca Crops, in order to assess crop yield. Claims will be worked out based on actual yield furnished by DES at the end of harvest season. DES will maintain single series of CCEs and resultant yield estimates, both for Crop Production estimates and Crop Insurance. Planning and supervision for all CCEs by State Govt. will be of same order as that of General Crop Estimation Surveys (GCES).

Claim Formula: lf ‘Actual Yield' (AY) per hectare of insured crop for insurance unit (calculated on basis of requisitenumber of CCEs) in insured season, falls short of specified 'Threshold Yield' (TY), all insured farmersgrowing that crop in defined area are deemed to have suffered shortfall in yield of similar magnitude.

MNAIS seeks to provide coverage against such contingency.

'Claim' shall be calculated as per the following formula:

(Threshold Yield - Actual yield) x Sum Insured for the Farmer

Threshold yield

(ii) On—Account Payment of Claims due to Mid-Season Adversity:

In case of adverse seasonal conditions during crop season viz. floods, prolonged dry spells, severe drought etc, Insurance Company in consultation with Department of Agriculture , Govt. of Kerala, based on agro meteorological

17 data(Rainfall), details of estimated losses etc will decide about crops/ areas for which on account payment will be made, not exceeding25% of likely claims. Appraisal of mid-season adversity and quantum of on-account payment will be conducted jointly by Government of India/ Govt of Kerala and Insurance Company. On account payment will be implemented only in states where such proxy indicators can be established and will be considered for payment only if the expected yield during the season is less than 50% of normal yield.

Insuch an instance, insurance company based on declarations received from banks or insurance proposals,received from other authorized agencies or directly from farmers for such crops and areas affected by adverse season; shall work out likely claims which will occur based on end of season yield assessment,and will release claim up to 25% of likely claims, in advance to farmers through nodal banks subject to adjustment against claims assessed on yield basis i.e. in case end of season yield based claims works out to be higher, then difference of claim would be payable and in case end of the season claim based on yield happens to be lower, then the insurance company reserves the right to recover excess claims so paid to farmers. ln case of near total loss situation during the season (at a stage of the crop cycle when complete inputcost is not incurred), the losses will be paid based on 'graded scale' of payment.

Graded Scale of Payment vis-à-vis occurrence of peril:

Stage of Crop Claim % Nursery 50% Vegetative stage 60% Mid-season or reproductive stage 75% Late season or ripening stage 100%

Illustration: District 'A' has been affected by floods having 100 insurance units under Crop ‘X". Out ofwhich 50 insurance units were severely affected and as per the weather indicators / agro-met data, ithas been assessed that 30 insurance units could have yield loss of more than 50% (compared to theNormal Yield). Out of these 30 insurance units, estimated yield loss for 5 units is 80% (Category-I), foranother 10 units, it is 70% (Category-II) and remaining 15 units, it is 60%

18 (Category-III) of normal yield,due to which likely yield may be in range of 20%, 30% and 40%. The likely claims for the above units(compared to Threshold Yield) may be 64%, 56% and 48% respectively. As per declarations received, ifsum insured for notified areas in Category-I, Category-II and Category-III is Rs. 1 crore, Rs. 2 crore, and Rs 3 crore, respectively, then likely final claims will be Rs. 64 lakh, 112 lakh and 144 lakh respectively. Hence on-account claims upto 25% will be Rs. 16 lakh, 28 lakh and 36 lakh, which will be released during the season.

(iii) Prevented Sowing [Planting Claims:

Due to non-receipt of sufficient rainfall or excess rainfall or other weather adversities, farmers in one insurance unit may not be in a position to either sow or transplant crop or grow crop (failed at an earlystage). When this incidence is widespread i.e. majority of area in one insurance unit remains unsown /failed sowing, (more than 75% of normal area), then insurance company based on weather / rainfallposition in insurance unit, (as issued by concerned office of IMD during the season) and acreage-sown particulars received from Department of Agriculture , Govt. of Kerala ,will decide extent of claims to be paid . In case of non-availability of IMD stations at a location or else non availability of IMD data on certain days, other authentic weather stations / rain gauge stations by State Government/ autonomous bodies / agriculture universities / private agencies as approved by SLCCCI can also be considered for purpose of measuring weather / rainfall.

GOI and State Government will arrange for weather / rainfall data from IMD / Other autonomous / Government bodies, to insurance company, while data from private data providers will bearranged by insurance company. Area sown particulars will also be provided by Department of Agriculture , Govt. of Kerala,within one month after end of normal sowing season. Rainfall requirement for sowing a crop differsfrom crop to crop. Similarly, the quantum of inputs used before sowing (land preparation, seed fertilizer etc) varies from crop to crop.

The Department of Agriculture , Govt. of Kerala (based on proxy indicators like weather data, area enumeration, satellite imagery,etc.) will decide that majority of the area in the IU could not be sown or the sowing failed and insurance company in consultation with SLCCCI will assess extent of claims

19 payable based on the weather /rainfall position, crop, acreage planted etc. and in any case maximum claims payable will berestricted to 25% of sum-insured.

Having become eligible for prevented / failed sowing, insurance cover is automatically terminated. i.e. once the IU is chosen for this benefit, the insurance cover cease to operate for the subsequent period of the season. Process of determining prevented / failed sowing being automated, farmers need not lodge any claim for prevented / failed sowing.

Payment Slabs: `

Stage of Crop Claim % Prevented Sowing (No sowing at all) 50% Failed Sowing (sowing done, no 75% germination)/Prevented transplanting Failed Germination (Germinated crop withered 100% away)/Failed Transplanting

Illustration: District 'B' with 100 insurance units has been affected by dry-spell, consequently about80% of the area could not be sown in about 50 insurance units for Summer Paddy crop, where perhectare sum insured is Rs. 20,000. As per slab of payment for prevented sowing, is 50% and benefit payable is: sum insured X 50% X 25%, which on a sum insured of Rs. 20,000 works out to Rs. 2,500. Incase of failed sowing, the slab is 75%, benefit payable is: sum insured X 75% X 25%, which on sum insured of Rs. 20,000 works out to Rs. 3,750.

20 Annexure NA I Agriculture Insurance Company of India Regional Office,Thiruvananthapuram

MNAIS -List of Panchayats Notified for Kharif 2015 Season Paddy Crop

District Block Panchayat AMBALAPUZHA ALAPPUZHA AMBALAPUZHA (N) PUNNAPRA (N) PURAKKAD AMBALAPUZHA (S) PUNNAPRA (S) ARYAD ARYAD MANNANCHERY MUHAMMA MARARIKULAM (S) BHARANIKKAVU MAVELIKARA (MUNI.) KANJIKUZHY CHERTHALA CHERTHALA (S) KANJIKUZHI THANNEERMUKKOM KADAKKARAPPALLY MARARIKULAM (N) PATTANAKKAD AROOR KODAMTHURUTH PATTANAKKAD EZHUPUNNA KUTHIYATHODE THURAVOOR VAYALAR THYCATTUSSERY AROOKUTTY CHENNAM-PALLIPPURAM PERUMPALAM THYCATTUSSERY PANAVALLY HARIPPAD CHERUTHANA KARUVATTA PALLIPPAD VEEYAPURAM HARIPAD ALAPPUZHA KUMARAPURAM THRIKKUNNAPUZHA KARTHIKAPPALLY MUTHUKULAM CHEPPAD DEVIKULANGARA KANDALLOOR KAYAMKULAM (MUNI.) MUTHUKULAM KRISHNAPURAM 21 CHINGOLI ARATTUPUZHA PATHIYOOR CHAMPAKKULAM CHAMPAKULAM EDATHUA KAINAKARY THAKAZHY THALAVADY NEDUMUDI VELIYANAD MUTTAR NEELAMPEROOR PULIMCUNNU RAMANKARY KAVALAM VELIYANAD BHARANIKKAVU BHARANIKAVU CHUNAKARA PALAMEL THAMARAKULAM NOORANAD VALLIKUNNAM MAVELIKKARA CHENNITHALA-THRIPERUMTHURA CHETTIKULANGARA THAZHAKKARA MANNAR THEKKEKKARA ETUMANOOR ARPOOKKARA ATHIRAMPUZHA AYMANAM ETTUMANOOR KUMARAKOM NEENDOOR THIRUVARPPU LALAM BHARANANGANAM KADANAD KAROOR KOTTAYAM MUNICIPALTY KOZHUVANAL MEENACHIL PALAI (MUNI.) KOTTAYAM MUTHOLY KADUTHURUTHY KADUTHURUTHY KALLARA MULAKKULAM THALAYOLAPPARAMPU VELLOOR NEEZHOOR VAIKOM CHEMPU T.V.PURAM THALAYAZHAM UDAYANAPURAM VECHOOR 22 VAIKOM (MUNI.) MARAVANTHURUTHU PANDALAM ARANMULA KULANADA PANDALAM PANDALAM -THEKKEKARA THUMPAMON MEZHUVELI PARAKODU ADOOR ENADIMANGALAM ERATHU EZHAMKULAM KALANJOOR PALLICKAL KADAMPANADU KODUMON PATHANAMTHITTA KONNI ARUVAPPULAM KONNI MALAYALAPPUZHA MYLAPRA PATHANMATHITTA PRAMADOM VALLICODU THANNITHODU PULIKEEZH KADAPRA KUTTOOR PERINGARA THIRUVALLA NEDUMPARAM NIRANAM

23 Annexure NA II Agriculture Insurance Company of India Regional Office,Thiruvananthapuram

List of Blocks Notified for Banana & Tapioca for Kharif 2015 Season

District Taluka Block AMBALAPPUZHA AMBALAPUZHA INCL ALAPPUZHA MUNI AMBALAPPUZHA ARYAD CHENGANNUR BHARANIKKAVU KUTTANAD CHAMPAKKULAM CHENGANNUR CHENGANNUR INCL CHENGANNUR MUNI KARTHIKAPPALLY HARIPPAD ALAPPUZHA CHERTHALA KANJIKUZHY INCL CHERTHALA MUNI MAVELIKKARA MAVELIKKARA INCL MAVELIKKARA MUNI KARTHIKAPPALLY MUTHUKULAM INCL KAYAMKULAM MUNI CHERTHALA PATTANAKKAD CHERTHALA THYCATTUSSERY KUTTANAD VELIYANAD ALUVA ALANGAD ALUVA ANGAMALY INCL ANGAMALY MUNI KANAYANNOOR EDAPPALLY INCL KALAMASSERY MUNI, COCHIN CORP KUNNATHUNADU KOOVAPPADY INCL PERUMBAVOOR MUNI KOTHAMANGALAM KOTHAMANGALAM INCL KOTHAMANGALAM MUNI KANAYANNOOR MULAMTHURUTHY INCL THRIPPUNITHURA MUNI MUVATTUPUZHA MUVATTUPUZHA INCL MUVATTUPUZHA MUNI ERNAKULAM KOCHI PALLURUTHY MUVATTUPUZHA PAMPAKUDA ALUVA PARAKKADAVU PARAVOOR PARUR KUNNATHUNADU VADAVUCODE ALUVA VAZHAKKULAM KOCHI VYPIN DEVIKULAM ADIMALY PEERUMEDU AZHUTHA DEVIKULAM DEVIKULAM THODUPUZHA ELAMDESAM IDUKKI THODUPUZHA IDUKKI UDUMBANCHOLA KATTAPPANA UDUMBANCHOLA NEDUMKANDOM THODUPUZHA THODUPUZHA INCL THODUPUZHA MUNI KANNUR EDAKKAD THALIPPARAMBA IRIKKUR THALASSERY IRITTY INCL MATTANNUR MUNI KANNUR KALLIASSERY KANNUR KANNUR INCL KANNUR MUNI KANNUR THALASSERY KUTHUPARAMBA INCL KUTHUPARAMBA MUNI THALASSERY PANOOR THALIPPARAMBA PAYYANNUR INCL PAYYANNUR MUNI THALASSERY PERAVUR THALASSERY THALASSERY INCL THALASSERY MUNI 24 THALIPPARAMBA THALIPPARAMBA INCL THALIPPARAMBA MUNI HOSDURG KANHANGAD INCL KANHANGAD MUNI KASARGODE KARADUKA KASARGODE KASARGOD INCL KASARGODE MUNI KASARGODE KASARGODE MANJESWAR HOSDURG NEELESHWAR INCL NEELESHWAR MUNI HOSDURG PARAPPA PATHANAPURAM ANCHAL KOTTARAKKARA CHADAYAMANGALAM KARUNAGAPPALLY CHAVARA KOLLAM CHITTUMALA KOLLAM ITHIKKARA INCL PARAVOOR MUNI KOLLAM KOLLAM CORPN. KOLLAM KOTTARAKKARA KOTTARAKKARA KOLLAM MUKHATHALA INCL KOLLAM MUNI KARUNAGAPPALLY OACHIRA PATHANAPURAM PATHANAPURAM INCL PUNALUR MUNI KUNNATHOOR SASTHAMCOTTA KOTTARAKKARA VETTIKAVALA MEENACHAL ERATTUPETTA KOTTAYAM ETTUMANOOR VAIKOM KADUTHURUTHY KANJIRAPPALLY KANJIRAPPALLY MEENACHAL LALAM INCL PALA MUNI KOTTAYAM CHANGANASSERY MADAPPALLY KOTTAYAM PALLOM INCL KOTTAYAM MUNI KOTTAYAM PAMPADY MEENACHAL UZHAVOOR VAIKOM VAIKOM CHANGANASSERY VAZHOOR QUILANDI BALUSSERY KOZHIKKODE CHELANNUR KOZHIKKODE KODUVALLY KOZHIKKODE KOZHIKODE KOZHIKKODE KOZHIKODE CORPN. KOZHIKKODE KUNNAMANGALAM KOZHIKODE VADAKARA KUNNUMMEL QUILANDI MELADY QUILANDI PANDHALAYANI INCL QUILANDY MUNI QUILANDI PERAMBRA VADAKARA THODANNUR VADAKARA THUNERI VADAKARA VADAKARA INCL VADAKARA MUNI ERANAD ARECODE INCL MANJERI MUNI NILAMBUR KALIKAVU ERANAD KONDOTTY TIRURANGADI KUTTIPPURAM ERANAD MALAPPURAM INCL MALAPPURAM MUNI PERINTHALMANNA MANKADA NILAMBUR NILAMBUR INCL NILAMBUR MUNI MALAPPURAM PERINTHALMANNA PERINTHALMANNA INCL PERINTHALMANNA MUNI PONNANI PERUMPADAPPA 25 PONNANI PONNANI INCL PONNANI MUNI TIRUR THANUR TIRUR TIRUR INCL TIRUR MUNI TIRURANGADI THIRURANGADI TIRURANGADI VENGARA NILAMBUR WANDOOR ALATHUR ALATHUR MANNARKKAD ATTAPPADY CHITTUR CHITTUR INCL CHITTUR-THATHAMANGALAM MUNI CHITTUR KOLLENGODE ALATHUR KUZHALMANNAM PALAKKAD MALAMPUZHA PALAKKAD MANNARKKAD MANNARKKAD CHITTUR NEMMARA OTTAPPALAM OTTAPALAM INCL OTTAPPALAM MUNI, SHORNUR MUNI PALAKKAD PALAKKAD INCL PALAKKAD MUNI OTTAPPALAM PATTAMBI OTTAPPALAM SREEKRISHNAPURAM OTTAPPALAM THRITHALA KOZHENCHERY ELANTHOOR THIRUVALLA KOIPURAM KOZHENCHERY KONNI INCL PATHANAMTHITTA MUNI MALLAPPALLY MALLAPPALLY PATHANAMTHITTA ADOOR PANDALAM ADOOR PARAKODU INCL ADOOR MUNI THIRUVALLA PULIKEEZH INCL THIRUVALLA MUNI RANNI RANNI NEYYATTINKARA ATHIYANNOOR INCL NEYYATTINKARA MUNI CHIRAYINKEEZHU CHIRAYINKEEZHU INCL ATTINGAL MUNI CHIRAYINKEEZHU KILIMANOOR NEDUMANGAD NEDUMANGAD INCL NEDUMANGAD MUNI THIRUVANANTHAPURAM NEMOM NEYYATTINKARA PARASSALA THIRUVANANTHAPURAM NEYYATTINKARA PERUMKADAVILA THIRUVANANTHAPURAM POTHENCODE THIRUVANANTHAPURAM THIRUVANANTHAPURAM CORPN. NEDUMANGAD VAMANAPURAM CHIRAYINKEEZHU VARKALA INCL VARKALA MUNI NEDUMANGAD VELLANAD THRISSUR ANTHIKKAD MUKUNDAPURAM CHALAKUDY INCL CHALAKKUDY MUNI CHAVAKKAD CHAVAKKAD INCL CHAVAKKAD MUNI, GURUVAYOOR MUNI THRISSUR CHERPU THALAPPILLY CHOWANNUR MUKUNDAPURAM IRINJALAKKUDA INCL IRINJALAKKUDA MUNI MUKUNDAPURAM KODAKARA MUKUNDAPURAM MALA THRISSUR KODUNGALLOOR MATHILAKAM CHAVAKKAD MULLASSERY THRISSUR OLLUKKARA INCL THRISSUR MUNI THALAPPILLY PAZHAYANOOR THRISSUR PUZHAKKAL 26 CHAVAKKAD THALIKULAM KODUNGALLOOR VELLANGALLUR THALAPPILLY WADAKKANCHERY VYTHIRI KALPETTA INCL KALPETTA MUNI MANANTHAWADY MANANTHAWADY WAYANAD MANANTHAWADY PANAMARAM MANANTHAWADY SULTHANBATHERY

NB : In selected Panchayats/Municipalities where Banana is notified under WBCIS( as per Annexure WB-III enclosed) the loanee farmers who have been sanctioned loans during this season in these selelcted Panchayats & Municipalities shall be insured ONLY UNDER WBCIS and loans sanctioned for Banana cultivation in the remaining Panchayats/Municipalities shall be compulsorily insured under MNAIS

27 Agriculture Insurance Company of India Regional Office,Thiruvananthapuram Annexure NA-III Season : Kharif Year : 2015

District-wise, Crop-wise Level of Indemnity ,Sum Insured Limits,Full Premium Rates, & Net Farmer's Premium Rates

Max Sum Additional Sum Net Farmer's Normal Sum Full /Gross Indemnity Insured Insured Premium Rate District Crop Insured (Rs/Ha) Premium Level % (Rs/Ha) (Rs/Ha) after Subsidy A Rate (%) B B-A (%)

Thiruvananthapuram Banana 90 289500 482500 193000 3.30 2.00 Tapioca 80 532500 998400 465900 2.70 2.00 Kollam Banana 90 291000 485000 194000 3.30 2.00 Tapioca 80 537600 1008000 470400 2.40 2.00 Alappuzha Paddy 80 33600 63000 29400 6.80 2.50 Banana 90 301700 502800 201100 3.30 2.00 Tapioca 80 435900 817400 381500 3.80 2.28 Pathanamthitta Paddy 80 36300 68100 31800 3.80 2.28 Banana 90 360100 600200 240100 2.60 2.00 Tapioca 80 664600 1246200 581600 2.00 2.00 Kottayam Paddy 80 42100 79000 36900 4.30 2.50 Banana 90 356400 594000 237600 3.30 2.00 Tapioca 80 655800 1229600 573800 2.70 2.00 Idukki Banana 90 384000 640100 256100 2.30 2.00 Tapioca 80 748200 1403000 654800 2.00 2.00 Ernakulam Banana 90 360000 599900 239900 3.30 2.00 Tapioca 80 630200 1181600 551400 2.70 2.00 Thrissur Banana 90 375600 626000 250400 2.60 2.00 Tapioca 80 516900 969100 452200 3.80 2.28 Palakkad Banana 90 325000 541800 216800 2.30 2.00 Tapioca 80 486100 911500 425400 2.40 2.00 Malappuram Banana 90 336100 560100 224000 3.30 2.00 Tapioca 80 550100 1031400 481300 3.80 2.28 Kozhikkode Banana 90 351200 585300 234100 3.30 2.00 Tapioca 80 443000 830700 387700 3.80 2.28 Kannur Banana 90 359700 599500 239800 3.30 2.00 Tapioca 80 638200 1196700 558500 3.30 2.00 Wayanad Banana 90 346300 577200 230900 2.60 2.00 Tapioca 80 854600 1602400 747800 2.00 2.00 Kasargode Banana 90 385500 642500 257000 3.30 2.00 Tapioca 80 455100 853200 398100 2.70 2.00

1. The Premium Subsidy is applicable both to Small/Marginal Farmers & Other Farmer categories 2. For Loanee Farmers ,eligible loan sanctioned amount as per SoF of the crop has to be compulsorily covered and the premium subsidy is applicable upto the loan sanctioned amount , even if the laon sanctionied amount is above the normal sum insured limits. 3.The subsidy is applicable only on Normal Sum Insured Limits .For additional coverage , if opted by the farmer ,he has to pay at Full Premium rate for the additional Sum Insured opted. 4. For Paddy Crop Net Farmer's Premium rate has been kept at the same flat level of erstwhile NAIS ( ie 2.5% or Actuarial Premium which ever is lower) by providing additional State Share of subsidy . 28 Annexure NA IV

MNAIS - Seasonality discipline and Cut-off Dates – Kerala

Loanee Farmers Non-Loanee Farmers Final Cut-off date Cut-off date for Cut-off date for Loan Season Crops for receipt of receipt of proposals receipt of Sanctioning Declarations by by Declarations by Period AIC Bank/Intermediaries AIC

1st April 2015 to PADDY 31.08.2015 31-07-2015 31-08-2015 31st July 2015

KHARIF 1st April 2015 to 2015 BANANA 31.08.2015 31-07-2015 31-08-2015 31st July 2015

1st April 2015 to TAPIOCA 31.08.2015 31-07-2015 31-08-2015 31st July 2015

 All farmers growing insurable Notified Crops are to be covered during Kharif 2015 Season on the following basis (a) Compulsory Basis: All farmers growing insurable Notified Crops in the Notified Areas and availing Seasonal Agriculture Operations loans(SAO) from Financial Institutions within time limit stipulated by the SLCCCI ie Loanee Farmers (b) Voluntary Basis : All other farmers growing insurable Notified Crops in the Notified Areas ie Non- Loanee Farmers who opt for the Scheme

 Non-loanee farmer desires to join the Scheme shall submit to the Bank/Intermediaries/Agents duly filled proposal forms along with appropriate insurance charges well before the season within the prescribed Cut- off dates.

 Those loanee farmers who would like to avail a sum insured of more than the amount of loan availed, shall indicate their choice to the Financial Institution at the beginning of the Season/before the Season and for these farmers the Cut-Off dates shall be those applicable to Non-Loanee farmers

29 Annexure NA V

MNAIS - CUT-OFF DATES FOR SUBMISSION OF YIELD DATA FOR THE NOTIFIED CROPS DURING KHARIF 2015- KERALA.

CROP CUT-OFF DATE FOR YLD SEASON NOTIFIED AREA C.C.E. PERIOD NOTIFIED DATA FROM DES.

PADDY Panchayat ** 30.11.2015 AS USUAL MAR.2015 TO BANANA Block ** 31. 08. 2016 Kharif JUN.2015 2015 MAR.2015TO TAPIOCA Block ** 31. 08. 2016 JUN.2015

** Strictly as per Notification

NB:

1. The minimum no of Crop Cutting Experiments (CCE’s) to be conducted at Notified Panchayat Level( For Paddy Crop) is 4 per Panchayat and at Notified Block Level ( For Banana, Tapioca) is 16 per Block.

2. The Claim assessment for wide spread calamities would be only on the basis of Actual Yield Data furnished by the Department of Economics & Statistics, GoK for Kharif 2015 as per MNAIS Scheme norms.

3. The Yield Data furnished to AIC by the State Government of Kerala will be in accordance with crop-wise cut-off dates fixed for all the Notified Areas based on total No of CCE’s ( being not less than the minimum prescribed) conducted. The yield data submitted should be based on single series of CCE’s conducted by the State Government under GCES’s.

4. Along with the actual yield data and number of CCE’s conducted for each Notified Area of a Notified Crop, the DES shall also submit the results of individual CCE’s conducted.

30 Annexure NA-VI MODIFIED NATIONAL AGRICULTURAL INSURANCE SCHEME (MNAIS) DECLARATION FORM - LOANEE FARMERS From: To : Nodal Bank ______AGRICULTURE INSURANCE CO. OF INDIA LTD, Address: Regional Office (Kerala) ;8th Floor Carmel Towers, Cotton Hill PO ,Vazhuthacaud Thiruvananthapuram- 695014 Phone No (with STD): E-mail : Fax No: Ph: (0471)2334493, 2334989 Fax: (0471) 2334493

SCHEDULE

Declaration No : Season: Kharif Year: 2015

Gender : Male/Female Category : SC/ST/Others State: Kerala District: ……………… Block:…………………..

Crop :………………….. Notified Panchayat :……………………………… PART I : COMPULSORY COVERAGE

(a) Per Hectare Fixed Sum Insured(As per Scale of Finance) :- Rs.______(b) Premium/Ha (Payable By Farmers):- …………….%

Area Insured Sum Insured (Rs.) Premium Paid by Farmers (Rs.) No. of Farmers Insured Farmers Category (in Hectares) (a) X Column (2) (b) X Column (3) (1) (2) (3) (4) Small & Marginal Others Total (A)

1. Under the provisions of the Modified National Agricultural Insurance Scheme (MNAIS), we hereby declare that the Sum Insured of all the eligible loanee farmers under compulsory coverage who have sanctioned credit limit for the above mentioned crop pertaining to our Office and branches / PACS’ under the jurisdiction of our Office has been included in the details given in PART (I) above. 2. It is certified that, (i) no coverage pertaining to any loanee farmer, including KCC loans (issued for agriculture purpose) eligible under compulsory coverage has been left out by us and the bank branches/PACS under our jurisdiction; (iii) the area declared in PART (I) is as per acreage (area) mentioned in the loan application or on the basis of actual area sown as declared by the farmer.

PART II : ADDITIONAL COVERAGE (over & above Part I upto value ot TY)

(c) Per Ha Additional Sum Insured: Rs.______(Difference between Bank Scale of Finance & Scheme SI upto value of TY , If any)

Area Insured Sum Insured (Rs.) Premium Paid by Farmers (Rs.) No. of Farmers Insured Farmers Category (in Hectares) (c) X Column (2) (b) X Column ( 3) (1) (2) (3) (4) Small & Marginal Others Total (B) 3. We hereby declare that the Sum Insured of all the eligible loanee farmers under compulsory coverage who have opted for ADDITIONAL COVERAGE over & above the compulsory coverage upto value of TY for the above mentioned crop pertaining to our Office and branches / PACS’ under the jurisdiction of our Office have been included in the details given in PART (II) above. 4. We also confirm that we have received the duly completed Proposal forms from all these farmers within stipulated cutoff date along with documents as required by the Insurance Company.

PART III : EXTENDED COVERAGE (over & above Part I & II upto 150% of value ot AY)

(d) Per Hectare Extended Sum Insured: Rs.______(e) Actuarial Premium/ Ha (payable by farmer) ______%

Area Insured Sum Insured (Rs.) Premium Paid by Farmers (Rs.) No. of Farmers Insured Farmers Category (in Hectares) (d) X Column (2) (e) X Column (3) (1) (2) (3) (4) Small & Marginal Others Total (C) GRAND TOTAL (A+B+C) 5. We hereby declare that the Sum Insured of all the eligible loanee farmers under compulsory coverage who have opted for EXTENDED COVERAGE over & above the compulsory coverage upto 150% value of AY for the above mentioned crop pertaining to our Office and branches / PACS’ under the jurisdiction of our Office have been included in the details given in PART (III) above. 6. We also confirm that we have received the duly completed Proposal forms from all these farmers within stipulated cutoff date along with documents as required by the Insurance Company 7. We also declare that, Premium has been recovered/ debited for all the Farmers included in this Declaration. 8. We also declare that, information declared in above Schedule is true and in case of any misreporting we shall be held liable for such misreporting and its consequences.

31 The Premium under this Declaration is remitted vide following Instrument/Electronic Transfer, as per details underneath.

Remittance Mode: Demand Draft / Electronic Transfer DD No / Transaction No. : Date: Amount (Rs): . Branch wise details of farmers covered enclosed (tick √) Yes / No Branch wise farmer wise details enclosed (tick √) Yes / No

Dated at this day of . Name of the Signatory : Signature of Authorized signatory Designation : of Nodal Bank (with Seal) ------TO BE COMPLETED BY AIC

Lot No. Lot received date Receipt No.

Certificate No. (to be allotted by AIC):

NOTE: 1) ALL CODE (Crop Code, District Code, etc.) BOXES SHALL BE FILLED UP BY AIC 2) GUIDELINES FOR FILLING UP DECLARATIONS and CONDITIONS FOR ACCEPTANCE ARE AS PER OVERLEAF

GUIDELINES FOR FILLING UP THE DECLARATIONS 1. This Declaration format should be used only for loanee farmers. 2. Separate Declaration must be filled in for each Crop and each Insurance Unit. 3. Only one copy of the Declaration must be submitted to AIC within the prescribed cut-off date (a copy may be retained by the bank for their record). 4. Complete address of Nodal Bank along with the telephone number must be given to facilitate further communication, whenever necessary. Similarly, Declaration No. should be given by the Bank for facilitating reference in future communication/clarifications. 5. Care should be taken to declare coverage only for such loanee farmers which are strictly as per the provisions / conditions of the Scheme and the notification by the SLCCCI. 6. COMPULSORY COVERAGE - PART (I):- The Sum insured for a loanee farmer is calculated by multiplying the Notified Cost of Cultivation with acreage (hectares) declared in the Loan Application / Actual Area Sown. All Loanee Farmers who have ‘Sanctioned Credit Limit’ during the seasonality period (within cut-off date) are eligible for compulsory insurance under PART (I). 7. Whenever any clarifications in respect of Declarations submitted by Bank is sought for by AIC, the same must be submitted within one month of AIC’s letter and no clarification will be entertained by AIC thereafter for any purpose whatsoever including reopening of claims. 8. Under Small and Marginal farmers only those farmers should be included whose landholding is upto 2 Hectares. 9. Insurance Unit – The name of Insurance Unit should be reported based on the location of Land in which the crop is proposed to be grown and not on the basis of Residential Address of the farmer. 10. Backup Records and Registers – In order to facilitate better administrative control, office prudence and Claims/ Refund of Excess collection distribution, following records are advisable to be maintained: a) The Nodal Bank should maintain Branch/ PACS wise Declarations for each Crop and Insurance Unit, based on which the Nodal Bank has submitted the consolidated Declaration for the Crop and Insurance Unit to AIC. b) Each Branch/PACS should possess a copy of the declaration sent by them to the Nodal Bank. The crop wise declaration for each Insurance Unit should be prepared based on the Premium Register. c) Each Branch/PACS should maintain a Premium Register giving details like Account No., Name of Farmer, Name of Village and Insurance Unit where land is located, Crop wise area insured, Sum Insured, Premium. The Premium Register should also contain crop wise columns for claims, which should be filled up at the time of receipt of Claim amount. d) Apart from this the Nodal Bank/ Branch/ PACS should maintain all relevant records as mandated under different rules, regulations and acts applicable for Banking. The Premium total as per the Premium Register should be debited as an additional Loan in the Loan Register. CONDITIONS FOR ACCEPTANCE OF DECLARATION AND COVERAGE THEREIN 1. Incomplete / partly filled up / unsigned declarations would not be accepted. 2. Declarations and premium pertaining to crops/ areas not notified for the crop Season in the State shall not be accepted. Similarly declaration and premium received before issuance of notification would not be accepted. 3. In case of any excess amount remitted in a declaration or a group of declarations, the net excess amount, as calculated by AIC, pertaining to the Nodal Bank after adjusting short collections pertaining to other declaration or group of declarations (including declarations pertaining to Non-Loanee farmers) of the Nodal Bank would be refundable. This adjustment may be carried out across multiple seasons and Financial Years. 4. Declarations and Premium received from the designated Nodal Banks only shall be accepted. The declarations and premium directly received from Branches/ PACS would not be entertained. 32 (Rs.) Farmers Farmers premium (Rs) Sum Insured Annexure NA-VII AIC NCIP MNAIS KHARIF 2014 (Ha) Area Insured Survey / Land Identification no. Rainfed / Irrigated:______Panchayat:______No of farmers in this declaration:______Signature and Seal of the Nodal Bank Official Farmer Bank A/c of No the This listing sheet pertains to Declaration No:______others Small & Marginal / Crop:______Block:______Page 133 Page Others SC ST / (To be enclosed with each declaration separately) declaration each with enclosed be (To Male / Female Listing Sheet Listing Village Name Year: ______District: ______Total Name Father / Husband Name of the Farmer Farmer the of Name (as in the bank pass book) S No National Crop Insurance Programme (NCIP) - Modified National Agriculture Insurance Scheme (MNAIS) Scheme Insurance Agriculture National Modified - (NCIP) Programme Insurance Crop National Name of the Nodal Bank:______Season:______State: ______The above Listing Sheet is part of the Declaration No.______as submitted by our bank.

33 Annexure NA-VIII

AGRICULTURE INSURANCE COMPANY OF INDIA LIMITED Regional Office, (Kerala) ,8th Floor, Carmel Towers , Cotton Hill PO, Vazhuthacaud ,Thiruvananthapuram-695014 Modified National Agricultural Insurance Scheme (MNAIS) Kharif 2015 Proposal Form for Loanee Farmer availing Additional Coverage

Season (Kharif / Rabi / Summer):______Year:______

State District Taluka Block Panchayat

1. Details of Cultivator: Name : Father’s Name : Address for Communication: Bank Account No. : Bank Name: Bank Branch & Address: Mobile No: Phone No: NEFT Code of the Bank:

Sex: Male / Female SC / ST: Yes / No

2. Details of Crop and Area Proposed for Insurance: Date / Probable Area Sown / Proposed Panchayat Village Crop Irrigated / Survey No date of Sowing in Hectares Rainfed

I hereby declare that the provisions of the scheme have been read and understood by/ explained to me in detail before completing the Proposal Form. I hereby further declare that the particulars furnished above are true and correct and age of crops proposed for insurance under this proposal is not more than one month at the time of submission of the proposal. Further, the condition of crops proposed for Insurance under this proposal is normal as on date (Not applicable for proposed sowing / planting). I have not submitted any other crop insurance proposal covering the above mentioned crops during the season under the Scheme either through this Bank branch / PACS or Insurance intermediary or any other Bank branch /PACS or any other Scheme or with any other Insurance Company. Date: Signature of Cultivator / Proposer ------(For use by the Bank / PACS / Insurance Intermediary)------Premium Rate payable by farmer (FP): ______% Date of Sum Insured (Rs.) Farmer Crop Credit Area Premium (Rs.) (Specify Amount of Additional coverage Limit insured ( Total Sum Rainfed / Total Sum Sanction (Hect) Loan up to the value of TY Insured X Farmer Irrigated) Insured (a+b) Sanctioned (a) (b) = TY value – (a) premium-FP% )

Certificate from Competent Authority (Not applicable for proposed sowing / planting)

It is certified that the crop wise Survey no. Area sown and date of sowing mentioned in the proposal form above are correct.

Signature and Seal of Competent Authority (Agri Officer) (or) separate certificate showing all the details mentioned above form the above competent authority (/Agri Officer) may be enclosed. 34 Annexure NA-VIII

AGRICULTURE INSURANCE COMPANY OF INDIA LIMITED Regional Office, (Kerala) ,8th Floor, Carmel Towers , Cotton Hill PO, Vazhuthacaud ,Thiruvananthapuram-695014

Prohibitions of Rebates: Section 41 of the Insurance Act provides as follows: 1. No person shall allow, or offer to allow, either directly or indirectly as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy accept any rebates except such rebate as may be allowed in accordance with the published prospectus or tables of the insurer. 2. Any person making default in Company with the provisions of the section shall be punishable with which may extend to five hundred rupees.

GUIDELINES FOR COMPLETION OF THE PROPOSAL FORM

1. Separate proposal forms may be submitted for each crop.

2. Please complete the Proposal Form in all respects.

3. Insurance is a contract of Utmost Good Faith requiring the Insured not only to disclose all material facts but also not to suppress any material facts. If you think any fact is material, please disclose it.

4. The Insurance shall become voidable at the option of the Insurer, in the event of any untrue or incorrect statement, misrepresentation, non-description or non-disclosure in any material particular in the proposal form/personal statement, declaration and connected documents, or any material information having been withheld by the proposer or any one acting on his behalf.

5. Kindly contact AIC’s Offices for any doubts or clarifications on the proposal form.

NOTE: The liability of AIC does not commence until this proposal has been accepted by AIC and the full premium is paid.

35 Annexure NA-IX Annexure NA-IX MODIFIED NATIONAL AGRICULTURAL INSURANCE SCHEME (MNAIS) DECLARATION FORM – NON-LOANEE FARMERS From : To : Nodal Bank ______AGRICULTURE INSURANCE CO. OF INDIA LTD, Address: Regional Office (Kerala) ;8th Floor Carmel Towers, Cotton Hill PO ,Vazhuthacaud Thiruvananthapuram- 695014 Ph: (0471)2334493, 2334989 Fax: (0471) 2334493 Phone No (with STD): E mail __ SCHEDULE

Declaration No : Season: Kharif Year: 2015

Gender : Male/Female Category : SC/ST/Others State: Kerala District: ……………… Block:…………………..

Crop :………………….. Notified Panchayat :………………………………

PART (I) :- NORMAL COVERAGE - VALUE OF NOTIONAL THRESHOLD YIELD (a) Per Hectare Value of Notional Threshold Yield:- Rs.______(b) Premium Rate (Payable By Farmers):- _____% Area Declared under Sum Insured (Rs.) Premium Paid by Farmers (Rs.) No. of Farmers Insured Normal Coverage Farmers Category (a) X Column (2) (b) X Column (3) (in Hectares) (1) (2) (3) (4) 1) S &M 2) Others PART (I) Total 1. Under the provisions of the Modified National Agricultural Insurance Scheme (MNAIS), We hereby declare that the Sum Insured of all the Non Loanee Farmers pertaining to our Office and branches / PACS’ under the jurisdiction of our Office who have Opted for NORMAL COVERAGE – i.e. upto VALUE OF THRESHOLD YIELD, have been included in the details given in PART (I) above. 2. It is certified that, (i) no coverage pertaining to any Non-Loanee farmer, who have submitted the Proposal Form and paid the eligible Premium for the Notified Crop in the Insurance Unit has been left out by us / the Bank branches/PACS under our jurisdiction; (ii) the area declared in PART (I) is as per acreage (area) mentioned in the Proposal Form submitted by the farmer.

PART (II) :- EXTENDED COVERAGE (Over & above PART (I) and Upto 150% of Value of Notional Average Yield) (c) Per Hectare Extended Sum Insured (refer guidelines No. 7 Overleaf): - Rs.______(d) Actuarial Premium Rate (Payable By Farmers):- ____% Area Declared under Sum Insured (Rs.) Premium Paid by Farmers (Rs.) No. of Farmers Insured Extended Coverage Farmers Category (c) X Column (2) (d) X Column (3) (in Hectares) (1) (2) (3) (4) 1) S &M 2) Others PART (II) Total 3. We hereby declare that the Sum Insured of all the Non-Loanee farmers pertaining to our Office and branches / PACS’ under the jurisdiction of our Office, who have Opted for EXTENDED COVERAGE, have been included in the details given in PART (II) above. 4. We also declare that the Normal Coverage for Non-Loanee Farmers in PART II, herein have been included in PART (I). GRAND Total (I+II) 5. We also declare that, Premium has been recovered/ debited to Saving Account for all the Farmers included in this Declaration. 6. We also confirm that we have received the duly Completed Proposal Forms from all these farmers within stipulated Cut-Off-Date alongwith documents as required by the Insurance Company. 7. We also declare that, information declared in above Schedule is true and in case of any misreporting we shall be held liable for such misreporting and its consequences. The Premium under this Declaration is remitted vide following Instrument/Electronic Transfer, as per details underneath. Remittance Mode: Demand Draft / Electronic Transfer DD No / Transaction No. : Date: Amount (Rs): . Branch wise details of farmers covered enclosed (tick √) Yes / No Branch wise farmer wise details enclosed (tick √) Yes / No Dated at this day of . Name of the Signatory : ______- Signature of Authorized signatory Designation : ______- of Nodal Bank (with Seal) TO BE COMPLETED BY AIC Lot No. Lot received date Receipt No. Certificate No. (to be alloted by AIC): NOTE: 1) ALL CODE (Crop Code, District Code, etc.) BOXES SHALL BE FILLED UP BY AIC 2) GUIDELINES FOR FILLING UP DECLARATIONS and CONDITIONS FOR ACCEPTANCE ARE AS PER OVERLEAF

36 GUIDELINES FOR FILLING UP THE DECLARATIONS

1. This Declaration format should be used only for Non-Loanee farmers. 2. Separate Declaration must be filled in for each Crop and each Insurance Unit. 3. Only one copy of the Declaration must be submitted to AIC within the prescribed cut-off date (a copy may be retained by the bank for their record). 4. Complete address of Nodal Bank along with the telephone number must be given to facilitate further communication, whenever necessary. Similarly, Declaration No. should be given by the Bank for facilitating reference in future communication/clarifications. 5. Care should be taken to declare coverage only for such Non-loanee farmers which are strictly as per the provisions / conditions of the Scheme and the notification by the SLCCCI. 6. NORMAL COVERAGE - PART (I):- The Sum insured for a Non-Loanee farmer is calculated by multiplying the Notified Value of Notional Threshold Yield with acreage (hectares) Proposed in the Proposal Form under the Head. 7. EXTENDED COVERAGE - PART (II):- Extended Coverage value is the difference between 150% of Value of Notional Average Yield and Value of Notional Threshold Yield. The Sum Insured under Extended Coverage shall be calculated by multiplying the Area in Hectare, under the Head, as per the Proposal Form with the per Hectare Extended Coverage. The Farmer would have to pay Premium as per Actuarial Premium Rate on the Extended Coverage Sum Insured. 8. Whenever any clarifications in respect of Declarations submitted by Bank is sought for by AIC, the same must be submitted within one month of AIC’s letter and no clarification will be entertained by AIC thereafter for any purpose whatsoever including reopening of claims. 9. Under Small and Marginal farmers only those farmers should be included whose landholding is upto 2 Hectares. 10. Insurance Unit – The name of Insurance Unit should be reported based on the location of Land in which the crop is proposed to be grown and not on the basis of Residential Address of the farmer. 11. Backup Records and Registers – In order to facilitate better administrative control, office prudence and Claims/ Refund of Excess collection distribution, following records are advisable to be maintained: a) The Nodal Bank should maintain Branch/ PACS wise Declarations for each Crop and Insurance Unit, based on which the Nodal Bank has submitted the consolidated Declaration for the Crop and Insurance Unit to AIC. b) Each Branch/PACS should possess a copy of the declaration sent by them to the Nodal Bank. The crop wise declaration for each Insurance Unit should be prepared based on the Premium Register. c) Each Branch/PACS should maintain a Premium Register giving details like Account No., Name of Farmer, Name of Village and Insurance Unit where land is located, Crop wise area insured, Sum Insured, Premium. The Premium Register should also contain crop wise columns for claims, which should be filled up at the time of receipt of Claim amount.

d) Apart from this the Nodal Bank/ Branch/ PACS should maintain all relevant records as mandated under different rules, regulations and acts applicable for Banking.

CONDITIONS FOR ACCEPTANCE OF DECLARATION AND COVERAGE THEREIN 1. Incomplete / partly filled up / unsigned declarations would not be accepted. 2. Declarations and premium pertaining to crops/ areas not notified for the crop Season in the State shall not be accepted. Similarly declaration and premium received before issuance of notification would not be accepted. 3. Copy of the Proposal Form from each farmer along-with their details would be available with and would be required to be submitted, if it is mandated so in the Government Notification or if it is stipulated by AIC for the Season & Year. 4. In case of any excess amount remitted in a declaration or a group of declarations, the net excess amount, as calculated by AIC, pertaining to the Nodal Bank after adjusting short collections pertaining to other declaration or group of declarations (including declarations pertaining to Loanee farmers) of the Nodal Bank would be refundable. This adjustment may be carried out across multiple seasons and Financial Years. 5. Declarations and Premium received from the designated Nodal Banks only shall be accepted. The declarations and premium directly received from Branches/ PACS would not be entertained.

37 AnnexureAnnexure NANA-X-X

AGRICULTURE INSURANCE COMPANY OF INDIA LIMITED Regional Office (Kerala), 8th Floor ,Carmel Towers ,Cotton Hill PO,Vazhuthacaud,Thiruvananthapuram-695014 Modified National Agricultural Insurance Scheme (MNAIS) Kharif 2015 Proposal Form for Non Loanee Farmer-Direct/Intermediary

Agent/Broker/Intermediary

Name & Code :

Season (Kharif / Rabi / Summer):______Year:______Details of Farmer Are You a registered Farmer with AIC: Yes/No If Yes, Fill Farmer ID No. and if No, Fill Registration Form Name :Mr./Mrs/Ms : Farmer ID No :

Notified Crop & Area Details Name of Crop sown: State District Taluka Block Panchayat Village

Details of Crop and Area Proposed for Insurance: Area Sown / Other Owner/Share Survey Date / Probable Panchayat Village Crop Proposed Crops Cropper/Tenant No date of Sowing (Ha) Sown

I hereby declare that the provisions of the scheme have been read and understood by/ explained to me in detail before completing the Proposal Form. I hereby further declare that the particulars furnished above are true and correct .Further the condition of crop sown and proposed for insurance under this proposal is normal as on date .I further undertake to submit revised proposal form along with sowing certificate issued by the Competent Authority and difference of premium payable , if any, if I sow a crop other than as declared above at least 30 days before the cot off date of participation under the above Scheme I have not submitted any other crop insurance proposal covering the above mentioned crops during the season under the Scheme either through this Bank branch / PACS or Insurance intermediary or any other Bank branch /PACS or any other Scheme or with any other Insurance Company. Date: Signature of Cultivator / Proposer

------(For use by the Bank / PACS / Insurance Intermediary)------Premium Rate payable by farmer (FP): ______% Actuarial Premium Rate (Full Premium):______% Sum Insured(Rs) Premium (Rs) Area Above TY Notified Up to the value Column (3) x Column (4) x Total Premium Insured Value to 150 Area of Threshold Farmer’s Actuarial (Rs) (Ha) % of Average Yield (TY) Premium Rate Premium Rate Yield Value 1 2 3 4 5 6 7= (5+6)

In case of any Grievance please contact the Grievance Redressal Officer of the Regional Office at 0471-2334493

Insurance is Subject Matter of Solicitation 38 Annexure NA-X

AGRICULTURE INSURANCE COMPANY OF INDIA LIMITED Regional Office (Kerala), 8th Floor ,Carmel Towers ,Cotton Hill PO,Vazhuthacaud,Thiruvananthapuram-695014 Certificate from Competent Authority (Not applicable for proposed sowing / planting) It is certified that the crop wise Survey no. Area sown and date of sowing mentioned in the proposal form above are correct. Signature and Seal of Competent Authority (Agri Officer) (or) separate certificate showing all the details mentioned above from the above competent authority (Agri Officer) may be enclosed.

STATUTORY WARNING

GUIDELINES FOR COMPLETION OF THE PROPOSAL FORM

1. Separate proposal forms may be submitted for each crop.

2. Please complete the Proposal Form in all respects.

5. Kindly contact AIC’s Offices for any doubts or clarifications on the proposal form.

NOTE: The liability of AIC does not commence until this proposal has been accepted by AIC and the full premium is paid.

In case of any Grievance please contact the Grievance Redressal Officer of the Regional Office at 0471-2334493

Insurance is Subject Matter of Solicitation 39 Annexure Annexure NA-XINA-XI

Bank Name & Address :

Notified Crop & Area Details Name of Crop sown: State District Taluka Block Panchayat Village

Details of Crop and Area Proposed for Insurance: Area Sown / Other Owner/Share Survey Date / Probable Panchayat Village Crop Proposed Crops Cropper/Tenant No date of Sowing (Ha) Sown

I hereby declare that the provisions of the scheme have been read and understood by/ explained to me in detail before completing the Proposal Form. I hereby further declare that the particulars furnished above are true and correct .Further the condition of crop sown and proposed for insurance under this proposal is normal as on date .I further undertake to submit revised proposal form along with sowing certificate issued by the Competent Authority and difference of premium payable , if any, if I sow a crop other than as declared above at least 30 days before the cot off date of participation under the above Scheme I have not submitted any other crop insurance proposal covering the above mentioned crops during the season under the Scheme either through this Bank branch / PACS or Insurance intermediary or any other Bank branch /PACS or any other Scheme or with any other Insurance Company. Date: Signature / Thumb impression of Proposer

------(For use by the Bank )------Premium Rate payable by farmer (FP): ______% Actuarial Premium Rate (Full Premium):______% Sum Insured(Rs) Premium (Rs) Area Above TY Notified Up to the value Column (3) x Column (4) x Total Premium Insured Value to 150 Area of Threshold Farmer’s Actuarial (Rs) (Ha) % of Average Yield (TY) Premium Rate Premium Rate Yield Value (1) (2) (3) (4) (5) (6) (7)=5+6

In case of any Grievance please contact the Grievance Redressal Officer of the Regional Office at 0471-2334493

Insurance is Subject Matter of Solicitation 40 Annexure NA-XI

STATUTORY WARNING

GUIDELINES FOR COMPLETION OF THE PROPOSAL FORM

1. Separate proposal forms may be submitted for each crop.

2. Please complete the Proposal Form in all respects.

5. Kindly contact AIC’s Offices for any doubts or clarifications on the proposal form.

NOTE: The liability of AIC does not commence until this proposal has been accepted by AIC and the full premium is paid.

In case of any Grievance please contact the Grievance Redressal Officer of the Regional Office at 0471-2334493

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PERSONAL DETAILS Full name* Mr/ Mrs./ Ms. Aadhar No. PAN No:

Gender*: Male Female CONTACT DETAILS Address Line 1* Phone No (Work) (House Name) Phone No. (Res)* Address Line 2* (House Number) Phone No (Mobile)* Road / Street Name* Post Office* Fax No. City/Village*/ Muncipality District* Email 1 State Pin Code* Email 2 BANK DETAILS (If bank details are not provided then credit of claims in account is n ot possible) Account Name* Bank Name* Branch Name* IFS Code* Branch Address * (If not available, put “00000000000”) Account Type SB Others * Account Number* Bank Phone No * (Copy of Bank Pass Book/Canceld Check Lief should be submitted) PARTY ATTRIBUTES Date of Birth(dd/mm/yyyy) Occupation/Trade* Father/Husband Name* Farmer Classification* Rural Urban Total Land Holding (ha)* Farmer Category* Small Marginal Others Farmer Religion* Hindu Muslim Christian Others Farmer Community Gen OBC SC ST Any Other ID Type Ration Card/Voter ID/Driving License/Other _____ * ID No Farmer Type* Loanee Non Loanee NOMINEE DETAILS Nominee Name Mr./Mrs./Ms. Relation to Party

FREE SMS SUBSCRIPTION Do you want to subscribe by SMS alerts Yes No Subscribe to new business Yes No Subscibe to claim intimation Yes No Subsribe to other value added services Yes No I CERTIFY THAT THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE & BELIEF Place : Date : Witness : (in case of Thumb Impression) Agent Name & ID Signature/Thumb Impression of Farmer Incase of any grievance please contact the Grievance Redressal Officer of AIC Regional Office, Thiruvananthapuram. Phone : 0471-2334493 43 Weather Based Crop Insurance Scheme (WBCIS) for Kharif -2015 Season in Kerala

AGRICULTURE INSURANCE COMPANY OF INDIA LTD., Regional Office( Kerala), 8th floor, Carmel Towers, Cotton Hill PO, Vazhuthacaud, Thiruvananthapuram-695 014. Phone : 0471–2334493, 2334989 Fax : 0471-2334989 E-mail : [email protected] www.aicofindia.com

44 45

Agriculture Insurance Company of India Ltd., Regional Office ( Kerala), 8th floor, Carmel Towers, Cotton Hill PO, Vazhuthacaud, Thiruvananthapuram-695 014. Phone : 0471–2334493, 2334989 Fax : 0471-2334989

AICILROTVPM/WBCIS/NOTIF/F:2(7)/ 153 /2015 01.06.2015

National Crop Insurance Programme (NCIP)/ Rashtriya Fasal Bima Karyakram (RFBK) WEATHER BASED CROP INSURANCE SCHEME (WBCIS) Kharif 2015 Season

All Nodal Banks, Nodal Agencies & Intermediaries

Dear Sir/Madam,

RE: NOTIFICATION OF WBCIS KHARIF 2015 SEASON & GUIDELINES FOR IMPLEMENTATION

Ref: Department of Agriculture & Cooperation, Ministry of Agriculture, Govt. of India Letter No No. 13015/02/2012-Credit II dated 20th March 2015 regarding approval for the Implementation of National Crop Insurance Programme (NCIP) during Xllth Plan for Kharif 2015 Season - issue of Administrative Instructions.

State Level Coordination Committee on Crop Insurance (SLCCCI) of Kerala constituted as per the provision of NCIP by Govt. of Kerala in its meeting held on 15th May 2015 has decided to implement the Weather Based Crop Insurance Scheme (WBCIS) component of National Crop Insurance Programme (NCIP)/ Rashtriya Fasal Bima Karyakram (RFBK) in the State of Kerala during Kharif 2015 season and the copy of the relevant GO (Rt) No 991/2015/AD dated 01.06.2015 is enclosed herewith.

Guidelines for WBCIS Implementation

1. The WBCIS is being implemented in all Districts, except Alappuzha & Pathanamthitta. The Crops Notified are Paddy, Banana, Ginger, Turmeric, Pineapple, Sugarcane, Cardamom, Pepper, Arecanut and Nutmeg. The list of District-wise crops notified in each district under WBCIS is as per Annexure WB I

2. The WBCIS adopts an ‘Area Approach’ basis .For this the State Govt. has notified Reference Unit Area’s(RUA), which are essentially a Group of adjoining Panchayats/Municipalities, and a centrally located Reference Weather Station (RWS) has been notified for each RUA. The Claims for an RUA is calculated ONLY on the basis of Weather Data recorded at its notified RWS. If the RWS data is unavailable for any day/interval during the risk period, the data of corresponding Back-up Weather Station (BWS) notified would be used for the purpose. The details of notified RUA’s, their RWS’s and BWS’s are appended as Annexure WB- II (For All Crops except Banana) & Annexure WB-III (For Banana Crop).

3. The Sum Insured per Unit Area for each crop is pre-fixed & it varies Crop-wise based on the cost of cultivation and it represents the Maximum amount which should be insured per Unit Area for the particular Crop. For Loanee Farmers, if the advanced loan amount per Hactre is greater than this pre- fixed Sum Insured per Hactre, only the amount of loan as per this pre-fixed Sum insured/Ha multiplied by total crop area needs to be insured under WBCIS for that crop. For Non-Loanee Farmers the Sum Insured is calculated by multiplying the pre-fixed Sum insured per Hactre with the no. of Hectares the farmer is proposing (in the proposal form) for insurance.

4. The Sum Insured per Hectare for a crop is distributed under several Insurance Covers with different risk periods starting from 7th July 2015 .For the details of Insurance covers for each crop their Risk Periods please refer Annexure WB-IV. The claims are calculated only after the entire risk period under different insurance covers of the particular crop is over subject to the timely availability of Weather Data from respective RWS’s.

5. A Term Sheet is the basic Scheme document which details the insurance covers, their risk periods and How & When the claim becomes payable for each crop. The Term Sheets for all the crops Notified under WBCIS are appended as Annexure WB-V (1-15)

6. For the Details of Crop-wise pre-fixed Sum Insured per Unit Area, Total Premium, Subsidy& Net Farmer’s Premium per Unit area refer Annexure WB-VI .

7. All the Loanee applicant Farmers who have a credit limit sanctioned for any of these notified Crops during this Season till 31st July 2015 have to be compulsorily insured under WBCIS by the respective Financial Institutions and for this purpose such loanee applicant farmers need not submit any application/proposal for insurance.

8. Non-Loanee Farmers have the choice of either MNAIS or WBCIS and can insure their crops through the banking network/insurance intermediaries/Agents or the authorized representatives of AIC/UIIC. They have to submit a proposal form and pay the requisite premium for availing insurance.

9. The WBCIS follows strict time frames for coverage as well as submission of Proposals/Declarations. The Cut-off Date for Coverage of Loanee & Non- loanee farmers is mentioned in Annexure WB- IV. The Controlling offices of Banks for loanee farmers and the Intermediary/UIIC for Non-loanee farmers shall submit the relevant coverage statements/declarations and consolidated premium DDs to AIC well within these coverage cut-off dates.

10. The Loan Disbursing Branches/PACS should submit the individual details of coverage of all the eligible loanee farmers in the prescribed Listing sheet format (format enclosed) prepared Crop-wise, RUA-wise, Gender- wise(Male/Female) and Category-wise(SC/ST/Others); to their Controlling Offices. The Controlling offices should submit the consolidated details in Declaration Formats prepared Crop-wise, Reference Unit Area-wise, Gender-wise(Male/Female) and Category-wise(SC/ST/ Others),along with relevant Listing Sheet to AIC within stipulated Cut-Off Dates.

11.The criteria for covering Loanee Farmers on a compulsory basis is based on the availability of ‘Sanctioned Credit Limit’ for the crop within the cut-off date prescribed for the purpose. The final eligible Sum Insured is to be arrived on the basis of the acreage of the crop declared by the farmer in the loan application multiplied by the pre-fixed Sum Insured per hectare as per Annexure WB- VI.

As an illustration, a farmer in Palakkad district has an overall sanctioned credit limit of Rs.2,00,000 as on 30.06.2015 for Paddy, Tomato & Arecanut. In this case, assuming that as per the farmer’s loan application he/she had declared 2 Ha under Kharif Paddy, 3 Ha under Tomato & 1.5 Ha under Arecanut:

1. Here only Paddy & Arecanut needs to be covered since Tomato is not notified under WBCIS

2. Rs 35000/Ha is the prefixed Sum Insured for Paddy & Rs 45000/Ha is the prefixed Sum Insured for Arecanut as per WBCIS Scheme norms .

2. Hence, the Applicable Sum Insured under WBCIS is 35000*2 = Rs 70000 for Paddy & 45000*1.5= Rs 67500 for Arecanut.

4. The Farmer’s Premium for Paddy is 70000*2.5 %= Rs 1750 & for Arecanut is 67500 *4.8 % = Rs 3240 & thus the Total Farmer’s Premium is Rs 4990.

5. If the Bank advances for Paddy @ Rs 50000 /Ha due to its higher SOF, in the above case the advanced loan amount for Paddy becomes Rs 100000 .But only Rs 70000 needs to be covered under WBCIS .This is applicable to all crops under WBCIS.

12.The last date for coverage of Loanee Farmers is 31st JULY 2015 ie all farmers who have availed loan or have sanctioned credit limit as on 31.07.2015, for these notified crops are to be compulsorily covered under WBCIS. The Nodal Banks would submit the final consolidated ‘Declarations’ prepared by them and ‘Listing Sheets’ prepared by their branches in the specified formats (to be prepared Crop-wise, Reference Unit Area-wise, Gender-wise and Category-wise) and with requisite premium by 31st August 2015. The last date for accepting Proposals for coverage from Non-Loanee farmers is 07th July 2015. The Nodal Bank would submit the ‘Non-loanee Declarations’ along with requisite premium by 31st July 2015 . A copy of the Non-loanee Proposal cum Registration Form (Annexure WB X), Non-Loanee Declaration format (Annexure WB IX) and Loanee-Declaration format (Annexure WB VII) and Listing Sheet Format for Bank Branches/PACS for reporting to their nodal offices (Annexure WB-VIII) is appended with this communication.

13.All payouts under the scheme are settled by Agriculture Insurance Company of India Limited (AIC), and to the extent possible within 45 days from the end of the risk period subject to the availability of weather data for the coverage period and receipt of State Government Share of Premium Subsidy.

14.The Claim payouts for a Reference Unit Area (RUA) under the WBCIS would be made only on the basis of the weather data during the cover period as received from the respective notified Reference Weather Station (RWS).

We now request you to implement the WBCIS strictly as per the Government notification and these guidelines furnished and issue necessary circulars in this regard to all your Bank Branches/PACS urgently. In case of any clarification required you may contact us in the below mentioned address:

AGRICULTURE INSURANCE COMPANY OF INDIA LTD. Regional Office ( Kerala), 8th floor, Carmel Towers, Cotton Hill PO, Vazhuthacaud, Thiruvananthapuram-695 014. Phone : 0471–2334493, 2334989 Fax : 0471-2334989 E-mail: [email protected]

For any grievances contact the Grievance Redressal Cell at the Regional Office in the above mentioned address

Thanking You,

Yours faithfully

D.Rajesh Regional Manager

Copy to:

1. The Agriculture Production Commissioner Govt. of Kerala, Thiruvananthapuram. 2. The Secretary (Finance), Govt.of Kerala, Secretariat, Thiruvananthapuram. 3. The Secretary (Agriculture), Govt. of Kerala, Secretariat, Thiruvananthapuram. 4. The Director, Department of Agriculture, Vikas Bhavan, Thiruvananthapuram. 5. The Registrar of Co-operative Societies, Thiruvananthapuram. 6. The Director, Department of Economics & Statistics, Thiruvananthapuram. 7. The General Manager, RBI (Rural Planning & Credit), Thiruvananthapuram 8. The Chief General Manager, NABARD, RO, Thiruvananthapuram 9. The General Manager &Convenor, SLBC, Canara Bank, Thiruvananthapuram. 10. The Chief(Agri) State Planning Board ,Thiruvananthapuram 11. The Managing Director, Kerala State Co-op. Bank Ltd., Thiruvananthapuram 12. All Controlling Offices of Commercial Banks, Regional Rural Banks in Kerala. 13. District Collectors of the implementing Districts. 14. Director, India Meteorological Department (IMD), Thiruvananthapuram.

50 Annexure WB-1 Agriculture Insurance Company of India Regional Office,Thiruvananthapuram

List of District-wise Crops and Areas Notified for WBCIS Kharif 2015 Season

Sl No Districts Crops Covered 1 Thiruvananthapuram Paddy, Banana

2 Kollam Paddy, Banana, Pepper, Turmeric

3 Kottayam Banana, Pepper, Pineapple Paddy, Banana, Pepper, Ginger, Turmeric, Sugarcane, 4 Idukki Cardamom, Pineapple 5 Ernakulam Paddy,Banana,Turmeric,Pineapple,Nutmeg

6 Thrissur Paddy,Banana,Arecanut,Nutmeg Paddy,Banana,Pepper,Ginger,Turmeric,Sugarcane,Carda 7 Palakkad mom,Arecanut 8 Malappauram Paddy,Banana,Pepper,Turmeric,Arecanut

9 Kozhikkode Paddy,Pepper,Turmeric,Arecanut,Banana

10 Kannur Paddy,Banana,Pepper,Arecanut Paddy,Banana,Pepper,Ginger,Turmeric,Cardamom, 11 Wayanad Arecanut

12 Kasargode Paddy,Banana,Pepper, Arecanut

NB: Banana Crop is notified only in the Panchayats/Municipalities where RWS's are isntalled as per Annexure WB III

51 Annexure WB-II Agriculture Insurance Company of India Regional Office,Thiruvananthapuram District -wise List of Reference Unit Area(RUA) ,Reference Weather Station (RWS) & Back Up Weather Stations(BWS) for All Crops Except Banana Except Banana

1 DISTRICT: THIRUVANANTHAPURAM

Sl Reference Unit Area Group Reference Weather Station (RWS) Back Up Weeather Station (BWS) No

1 Sreekariyam 2 Pothencode 3 Ulloor 4 Kazhakkoottam SKYMET AWS at Krishi Bhavan 5 Mangalapuram 1 SKYMET AWS at Krishi Bhavan Attingal Kazhakkoottam 6 Kadakampalli 7 Andoorkkonam 8 Attipra 9 Kadinamkulam 10 Karakulam 11 Vattiyoorkkavu 12 Kudappanakkunnu 13 Aruvikkara 14 Panavoor 2 SKYMET AWS at Krishi Bhavan Nedumangad SKYMET AWS at Krishi Bhavan Vellanad 15 Anad 16 Nedumangad Municipality 17 Nanniyode 18 Peringamala 19 Vembayam 20 Parassala 21 Karode 22 Kulathoor 3 SKYMET AWS at Panchayat Office Kulathoor SKYMET AWS at Panchayat Office Venganoor 23 Chenkal 24 Thirupuram 25 Poovar 26 Attingal 27 Mudakkal 28 Kadakkavoor 29 Anchuthengu 4 SKYMET AWS at Krishi Bhavan Attingal SKYMET AWS at Krishi Bhavan Kazhakkoottam 30 Vakkom 31 Kizhuvillam 32 Chirayinkeezhu 33 Azhoor 34 Kattakkada 35 Poovachal 36 Kuttichal 37 Vellanad 5 SKYMET AWS at Krishi Bhavan Vellanad SKYMET AWS at Krishi Bhavan Nedumangad 38 Aryanad 39 Uzhamalakkal 40 Tholikkode 41 Vithura 42 Manamboor 43 Ottur 44 Chemmaruthi

52 45 Cherunniyoor 6 SKYMET AWS at Krishi Bhavan Ottoor SKYMET AWS at Krishi Bhavan Attingal 46 Edava 47 Elakamon 48 Varkala 49 Vettoor 50 Athiyannoor 51 Kanjiramkulam 52 Karimkulam 53 Neyyattinkara Municipality 7 SKYMET AWS at Panchayat Office Venganoor SKYMET AWS at Panchayat Office Kulathoor 54 Kottukal 55 Vizhinjam 56 Venganoor 57 Thiruvallom 58 Manikkal 59 Nellanad 60 Vamanapuram 8 SKYMET AWS at Krishi Bhavan Nellanad SKYMET AWS at Krishi Bhavan Attingal 61 Pullampara 62 Kallara 63 Pangode 64 Perumpazhuthoor 65 Perumkadavila 66 Kollayil 67 Kunnathukal 68 Ottasekharamangalam 9 SKYMET AWS at Panchayat Office Kallikkad SKYMET AWS at Krishi Bhavan Vellanad 69 Aryancode 70 Vellarada 71 Amboori 72 Kallikkad 73 Pulimath 74 Nagaroor 75 Karavaram 76 Navaikkulam 10 SKYMET AWS at Krishi Bhavan Karavaram SKYMET AWS at Krishi Bhavan Ottoor 77 Pallikkal 78 Madavoor 79 Kilimanoor 80 Pazhayakunnummel 81 Balaramapuram 82 Pallichal 83 Nemom 84 Maranalloor 85 Kalliyoor 11 SKYMET AWS at Panchayat Office Kalliyoor SKYMET AWS at Panchayat Office Venganoor 86 Vilavoorkkal 87 Vilappuil 88 Marukil 89 Thiruvananthapuram Corp

2 DISTRICT: KOLLAM

Sl Reference Unit Area Group Reference Weather Station (RWS) Back Up Weeather Station (BWS) No 1 Oachira 2 Clapana SKYMET AWS at Coconut Nursery, 3 Thazhava SKYMET AWS at ADA Office Chavara Karunagapally-690523 4 KS Puram 1 53

5 Karunagappally 6 Thodiyoor 7 Alappad 8 Chavara 9 Panmana SKYMET AWS at Coconut Nursery, 10 Neendakara 2 SKYMET AWS at ADA Office Chavara Karunagapally-690523 11 Thevalakkara 12 Thekkumbhagom 13 Sashthancotta 14 Sooranad (North) 15 Sooranad (South) SKYMET AWS at Block Office(Chittumala) East 16 West Kallada 3 SKYMET AWS at Krishi Bhavan Sasthankotta Kallada 17 Poruvazhy 18 Kunnathoor 19 Mynagappally 20 Eravipuram 21 Mayyanad 22 Vadakkevila 23 Kottamkara SKYMET AWS at Panchayat Office 24 Thrikkovilvattom 4 SKYMET AWS at ADA Office Chathannoor Thrikkovilvattom 25 Elampalloor 26 Kollam 27 Kilikkolloor 28 Sakthikulangara 29 Chathannoor 30 Paravoor 31 Poothakkulam SKYMET AWS at Panchayat Office 32 Kalluvathukkal 5 SKYMET AWS at ADA Office Chathannoor Thrikkovilvattom 33 Adichanalloor 34 Nedumpana 35 Chirakkara 36 Kundara 37 Perinadu 38 Perayam

39 East Kallada SKYMET AWS at Block Office (Chittumala) 6 SKYMET AWS at Krishi Bhavan Sasthankotta 40 Monrothuruthu East Kallada 41 Panayam 42 Thrikkaruva 43 Thrikkadavur 44 Kottarakkara 45 Neduvathoor 46 Ezhukone 47 Kareepra 7 SKYMET AWS at Cashew Farm Kottarakkara SKYMET AWS at Krishi Bhavan Melila 48 Veliyam 49 Pooyappally 50 Velinalloor 51 Elamad 52 Vettikkavala 53 Melila 54 Ummannoor 8 SKYMET AWS at Krishi Bhavan Melila SKYMET AWS at Cashew Farm Kottarakkara 55 Mylom 56 Kulakkada 57 Pavithreshwaram 54 58 Ittiva 59 Anchal 60 Edamulakkal 9 SKYMET AWS at District Agri Farm Ittiva SKYMET AWS at State Seed Farm Kadakkal 61 Alayamon 62 Yeroor 63 Chadayamangalam 64 Kulathupuzha SKYMET AWS at Krishi Bhavan 65 Thenmala 10 SKYMET AWS at State Seed Farm Kadakkal Kulathuppuzha 66 Aryankavu 67 Pathanapuram

68 Piravanthur SKYMET AWS at Krishi Bhavan 11 SKYMET AWS at Krishi Bhavan Punalur 69 Pattazhi North Pathanapuram 70 Pattazhi South 71 Vilakkudy 72 Punalur Municipality 12 SKYMET AWS at Krishi Bhavan Punalur SKYMET AWS at Krishi Bhavan Pathanapuram 73 Karavalloor 74 Thalavoor 75 Kummil 76 Chithara 13 SKYMET AWS at State Seed Farm Kadakkal SKYMET AWS at District Agri Farm Ittiva 77 Kadakkal 78 Nilamel

3 DISTRICT:KOTTAYAM

Sl Reference Unit Area(RUA) Group Reference Weather Station (RWS) Back up Weather Station(BWS) No

1 Kuravilangadu 2 Manjoor 3 Kanakkary

4 Kadaplamattam SKYMET AWS at Kkrishi Bhavan 1 SKYMET AWS at Krishi Bhavan Kuruvilangadu 5 Marangattupilly Udayanapuram 6 Uzhavoor 7 Njeezhoor 8 Kaduthuruthy 9 Udayanapuram 10 Vaikom 11 Maravanthuruth

12 Thalayolaparambu SKYMET AWS at Krishi Bhavan 2 SKYMET AWS at Krishi Bhavan Kuruvilangadu 13 Chembu Udayanapuram 14 Velloor 15 Thalayazham 16 T.V. Puram 17 Aymanam 18 Vechoor 19 Thiruvarppu 20 Kumarakom 3 SKYMET AWS at Krishi Bhavan, Arpookkara SKYMET AWS at Krishi Bhavan Puthupally 21 Arpookkara 22 Kallara 23 Neendoor 24 Vijayapuram 25 Kottayam 26 Kumaranalloor SKYMET AWS at Panchayat Office 27 Manarcadu 4 SKYMET AWS at Krishi Bhavan Puthupally Nedumkunnam 28 Puthuppally 55

29 Nattakom 30 Panachikkadu 31 Vazhappally 32 Kurichy 33 Changanasserry SKYMET AWS at Panchayat Office 34 Thrikkodithanam 5 SKYMET AWS at Krishi Bhavan Vazhappally Nedumkunnam 35 Madappally 36 Paippadu 37 Vakathanam 38 Pala 39 Mutholy 40 Kozhuvanal 6 SKYMET AWS at Krishi Bhavan Pala SKYMET AWS at Krishi Bhavan Pallickathode 41 Karoor 42 Meenachil 43 Bharananganam 44 Pallikkathodu 45 Akalakkunnam 7 SKYMET AWS at Krishi Bhavan Pallickathode SKYMET AWS at Krishi Bhavan Pala 46 Elikkulam 47 Vazhoor 48 Nedumkunnam 49 Karukachal

50 Kangazha SKYMET AWS at Panchayat Office 8 SKYMET AWS at Krishi Bhavan Puthupally 51 Vellavoor Nedumkunnam 52 Pampady 53 Meenadom

4 DISTRICT : IDUKKI

Sl Reference Unit Area(RUA) Group Reference Weather Station (RWS) Back up Weather Station(BWS) No

1 Nedunkandam 2 Pampadumpara 1 NCMSL AWS at CRS Pambadumpara IMD's RGS at Cheruthoni 3 Karunapuram 4 Vandanmedu 5 Rajakumari 6 Rajakkad 2 NCMSL AWS at Panchayat Office Rajakkad IMD's RGS at Cheruthoni 7 Bison Valley 8 Kattappana 9 Erattayar 10 Ayyappankovil 3 NCMSL AWS at TEC Vazhavara RGS at TEC, Vazhavara 11 Kanchiyar 12 Kamakshi 13 Mariyapuram 14 Kanjikkuzhi 4 SKYMET AWS at Krishi Bhavan Vazhathope IMD's RGS at Cheruthoni 15 Vazhathope 16 Arakkulam

17 Peruvanthanam NCMSL AWS at Panchayat Office 5 NCMSL AWS at Vandipperiyar 18 Kokkayar Peruvanthanom 19 Konnathadi 6 NCMSL AWS at Krishi Bhavan Konnathadi NCMSL AWS at Adimali 20 Vathikkudi 21 Elappara 22 Peerumedu 7 NCMSL AWS at Krishi Bhavan Elappara NCMSL AWS at State Veg Farm Vandipperiyar 23 Upputhura 24 Kumily 56 25 Vandipperiyar 8 NCMSL AWS at State Veg Farm Vandipperiyar IMD's RGS at Peerumed 26 Chakkupallom 27 Adimaly 28 Pallivasal 9 NCMSL AWS at Panchayat Office Adimali RGS at JLO Office,Adimali 29 Vellathooval 30 Mankulam 31 Marayoor 32 Kanthalloor 10 NCMSL AWS at Krishi Bhavan Kanthalloor SKYMET AWS at Krishi Bhavan Munnar 33 Vattavada 34 Munnar 35 Devikulam 11 SKYMET AWS at Krishi Bhavan Munnar NCMSL AWS at Panchayat Office Adimali 36 Edamalakkudy 37 Senapathy 38 Udumbanchola 12 NCMSL AWS at KVK Santhanpara NCMSL AWS at Panchayat Office Rajakkad 39 Chinnakkanal 40 Santhanpara 41 Vannappuram NCMSL AWS at Block Panchayat Office 42 Kodikkulam 13 NCMSL AWS at State Seed Farm Karimannur Alakkode 43 Karimannur 44 Veliyamattom

45 Alakkode NCMSL AWS at Block Panchayat Office SKYMET AWS at Dr. Vineeth R Sivam, Opp 14 46 Kudayathoor Alakkode Mount Sinai hospital, Thodupuzha 47 Muttom 48 Edavetty 49 Manakkad

50 Kumaramangalam SKYMET AWS at Dr. Vineeth R Sivam, Opp 15 AWS at StateSeed Farm Karimannur 51 Purappuzha Mount Sinai hospital, Thodupuzha 52 Karinkunnam 53 Thodupuzha Muni

5 District : ERNAKULAM

Sl Reference Unit Area Group Reference Weather Station (RWS) Back Up Weeather Station (BWS) No

1 Varapuzha 2 Kottuvally 3 Chendamangalam

4 Vadakkekara SKYMET AWS at Krishi Bhavan 1 SKYMET AWS at Krishi Bhavan Nayarambalam 5 Chittattukara Chendamangalam 6 Parur Municipality 7 Ezhikkara 8 Pallippuram 9 Kuzhippilly 10 Edavanakkad 11 Nayarambalam

12 Narakkal SKYMET AWS at Krishi Bhavan 2 SKYMET AWS at Krishi Bhavan Kumbalangi 13 Elamkunnapuzha Nayarambalam 14 Mulavukad 15 Cheranelloor 16 Kadamakudy 17 Kumbalam-Panangad 18 Chellanam 19 Kumbalanghi 20 Kochin Corporation 3 SKYMET AWS at Krishi Bhavan Kumbalangi SKYMET AWS at Krishi Bhavan Nayarambalam 57

21 Maradu 22 Thiruvankulam 23 Tripunithura Municipality 24 Kalamassery Municipality 25 Thrikkakkara 26 Kadungallur 27 Karumalloor

28 Alengad SKYMET AWS at Krishi Bhavan 4 SKYMET AWS at ADA Office Alangad 29 Eloor Kizhakkambalam 30 Aluva Municipality 31 Kunnukara 32 Chengamanad 33 Choornikkara 34 Nedumbassery 35 Parakkadavu 36 Puthenvelikara

37 Keezhmad SKYMET AWS at Krishi Bhavan SKYMET AWS at Mini Civil Station 5 38 Edathala Kizhakkambalam Perumbavoor Municipality 39 Kizhakkambalam 40 Vengola 41 Vazhakulam 42 Mudakuzha 43 Koovappady

44 Rayamangalam SKYMET AWS at Mini Civil Station SKYMET AWS at Krishi Bhavan 6 45 Asamannoor Perumbavoor Municipality Kizhakkambalam 46 Perumbavoor Municipality 47 Okkal 48 Kalady 49 Manjapara 50 Kanjoor

51 Sreemoolanagaram SKYMET AWS at Mini Civil Station 7 SKYMET AWS at Krishi Bhavan Mookkanoor 52 Thuravoor Perumbavoor Municipality 53 Karukutty 54 Mookkannoor 55 Angamaly Municipality 56 Kunnathunad 57 Mazhuvannoor

58 Poothrikka SKYMET AWS near Panchayath office 8 SKYMET AWS at Krishi Bhavan Poothrikka 59 Thiruvaniyoor Manjalloor 60 Aikkaranad 61 Vadavucode-Puthencruz 62 Valakam 63 Paipra 64 Kalloorkad

65 Ayavana SKYMET AWS near Panchayath office 9 SKYMET AWS at Krishi Bhavan Poothrikka 66 Avoly Manjalloor 67 Manjalloor 68 Arakkuzha 69 Muvattupuzha Municipality 70 Malayattoor-Neeleswaram 71 Ayyampuzha 10 SKYMET AWS at Krishi Bhavan Vengoor SKYMET AWS at Krishi Bhavan Nellikkuzhy 72 Vengoor 73 Kottappady 58 74 Kothamangalam Municipality 75 Nellikuzhy 76 Varappetty 11 SKYMET AWS at Krishi Bhavan Nellikkuzhy SKYMET AWS at Krishi Bhavan Vengoor 77 Pallarimangalam 78 Pothanicad 79 Keerampara 80 Kavalangad SKYMET AWS at District Agri Farm 81 Paingottoor 12 SKYMET AWS at Krishi Bhavan Nellikkuzhy Neriyamangalam 82 Kuttampuzha 83 Pinidimana 84 Palakkuzha 85 Koothattukulam 86 Elenji

87 Piravom SKYMET AWS at Block Panchayat Office SKYMET AWS at Block Panchayat Office 13 88 Thirumarady Pambakkuda Mulanthuruthy 89 Marady 90 Ramamangalam 91 Pampakuda 92 Maneed 93 Edakkattuvayal 94 Amballoor SKYMET AWS at Block Panchayt Office SKYMET AWS at Block Panchayat Office 95 Chottanikkara 14 Mulanthuruthy Pambakkuda 96 Mulanthuruthy 97 Thiruvankulam 98 Udayamperoor

6 District :THRISSUR

Sl. Reference Unit Area (RUA) Group Reference Weather Station (RWS) Back Up Weather Station (BWS) No. 1 Aloor 2 Annamanada 3 Chalakkudy 4 Kadukutty 5 Kodassery 6 Koratty 1 SKYMET AWS at ADA Office Chalakkudy SKYMET AWS at ADA Office Vellangalloor 7 Kuzhur 8 Mala 9 Meloor 10 Pariyaram 11 Poyya 12 Vettilappara 13 Chelakkara 14 Desamangalam 15 Kondazhy 16 Mulloorkkara SKYMET AWS at Govt Ayurvedic Hospital 17 Panjal 2 SKYMET AWS at Krishi Bhavan Chelakkara Madakkathara 18 Pazhayannur 19 Thekkumkara 20 Thiruvilwamala 21 Vallatholenagar 22 Arimpur 23 Avinissery 24 Ayyanthole

25 Cherpu

26 Karalam SKYMET AWS at Krishi Bhavan 3 SKYMET AWS at Krishi Bhavan Thanniyam 27 Koorkkanchery Koorkkanchhery 28 Ollur 29 Paralam 30 Thrissur 31 Vallachira 32 Kolazhy 33 Madakkathara 34 Nadathara SKYMET AWS at Govt Ayurvedic Hospital 35 Ollukkara 4 SKYMET AWS at Krishi Bhavan Chelakkara Madakkathara 36 Pananchery 37 Puthur 38 Vilvattom 39 Avanur 40 Erumapetty 41 Kadangode 42 Kaiparambu 43 Mulangunnathukavu 5 SKYMET AWS at Krishi Bhavan Mundathicode SKYMET AWS at Panchayat Office Porkkulam 44 Mundathicode 45 Tholur 46 Varavoor 47 Velur 48 Wadakkanchery 49 Arthat 50 Choondal 51 Chowannur 52 Kadavallur 53 Kandanissery 54 Kattakampal 6 SKYMET AWS at Panchayat Office Porkkulam SKYMET AWS at Krishi Bhavan Mundathicode 55 Kunnamkulam 56 Pookkode 57 Porkkulam 58 Punnayoor 59 Punnayoorkulam 60 Vadakkekad 61 Anthikkad 62 Chazhur 63 Edathiruthy 64 Kattoor 65 Manalur 66 Nattika 7 SKYMET AWS at Krishi Bhavan Thanniyam SKYMET AWS at Krishi Bhavan Koorkkanchery 67 Porathissery 68 Thalikulam 69 Thanniyam 70 Valappad 71 Vatanappilly 72 Alagappanagar 73 Kodakara 74 Mattathur SKYMET AWS at Karshakasamithi Office near 75 Nenmanikkara 8 State seed store, Nanthipalam, SKYMET AWS at ADA Office Chalakkudy Varantharappilly 76 Pudukkad 77 Thrikkur 60

78 Varantharappilly 79 Edavilangu 80 Eriyad 81 Irinjalakkuda 82 Kaipamangalam 83 Kodungallur 84 Mathilakam 85 Methala 86 Muriyad 9 SKYMET AWS at ADA Office Vellangalloor SKYMET AWS at ADA Office Chalakkudy 87 Padiyur 88 Parappukkara 89 Perinjanam 90 Poomangalam 91 Puthanchira 92 Sreenarayanapuram 93 Vellangallur 94 Velookkara 95 Adat 96 Chavakkad 97 Elavally 98 Engandiyur 99 Guruvayur 100 Kadappuram 10 SKYMET AWS at Krishi Bhavan Vankidangu SKYMET AWS at Krishi Bhavan Koorkkanchery 101 Mullassery 102 Ourmanayur 103 Pavaratty 104 Thaikkad 105 Venkitangu

7 DISTRICT : PALAKKAD

Sl. Reference Unit Area (RUA) Group Reference Weather Station (RWS) Back Up Weather Station (BWS) No. 1 Kizhakkenchary 2 Vandazhy 3 Vadakkanchery 4 Pudukkode 5 Kannambra 1 NCMSL AWS State Seed Farm ,Alathur NCMSL AWS at ADA Office, Nemmara 6 Tarur 7 Kavassery 8 Alathur 9 Erimayur 10 Melarcode 11 Vadakarapathy SKYMET AWS at Krishi Bhavan Vadavannur, 12 Eruthiampathy 2 NCMSL AWS at ISDF Eruthiampathy Kollengode 13 Kozhinjampara 14 Nalleppally

15 Perumatty SKYMET AWS at Krishi Bhavan Vadavannur, 3 NCMSL AWS at Krishi Bhavan,Nalleppally 16 Pattanchery Kollengode 17 Chittur-Thathamangalam Muni 18 Koduvayoor 19 Vadavannoor 4 SKYMET AWS at Krishi Bhavan Vadavannur, 20 Kollengode NCMSL AWS at ISDF Eruthiampathy Kollengode 21 Puthunagaram 61 22 Muthalamada 23 Pallassana 24 Elevanchery 25 Peruvemba 26 Mannarkkad 27 Thenkara 28 Kanjirappuzha 5 SKYMET AWS at Krishi Bhavan Mannarkkad SKYMET AWS at Krishi BhavanPattambi 29 Thachampara 30 Karimba 31 Alanelloor 32 Kottoppadam NCMSL AWS at H/O Koyamu. House Name; 33 Thachanattukara 6 Kongath. Near to Krishibhavan, SKYMET AWS at Krishi Bhavan Mannarkkad Thatchanattukara, Dist: Palakkad-678583 34 Kumaramputhoor 35 Karakkurissy 36 Koppam 37 Ongalloor 38 Parathur 39 Muthuthala 40 Pattambi 7 SKYMET AWS at Krishi Bhavan Pattambi NCMSL AWS at State Seed Farm, Ananganadi 41 Thiruvengapura 42 Vallapuzha 43 Kulukkalloor 44 Vilayoor 45 Anakkara 46 Chalissery 47 Kapur NCMSL AWS at Gram Panchayat 48 Nagalassery 8 SKYMET AWS at Krishi BhavanPattambi Office,Pattithara 49 Pattithara 50 Thirumittacode 51 Thrithala 52 Ananganadi 53 Lakkidiperoor 54 Vaniamkulam 55 Ottappalam Muni 56 Shornur Muni 9 NCMSL AWS at State Seed Farm, Ananganadi SKYMET AWS at Krishi BhavanPattambi 57 Nellaya 58 Cherplassery 59 Keralassery 60 Mannur 61 Kadampazhippuram 62 Karimpuzha 63 Pookkottukavu

64 Sreekrishnapuram NCMSL AWS at Gram Panchayat 10 NCMSL AWS at State Seed Farm, Ananganadi 65 Thrikkaderi Office,Sreekrishnapuram 66 Vellinezhi 67 Ambalappara 68 Chalavara 69 Kodumba 70 Elappully 71 Polpully

72 Pudussery NCMSL AWS at Observatory, State Seed Farm 11 NCMSL AWS at Gram Panchayat Office,Parli 73 Marutharode Marutharode Kunnannoor 74 Palakkad Muni 62

75 Akathethara 76 Malampuzha 77 Puduppariyaram 78 Mundur

79 Pirayeri NCMSL AWS at Observatory, State Seed Farm 12 NCMSL AWS at Gram Panchayat Office,Parli 80 Parali Marutharode Kunnannoor 81 Mankara 82 Kongad 83 Kuzhalmannom 84 Kottayi 85 Mathur 86 Kuthanoor 13 NCMSL AWS at Krishi Bhavan,Kuthannoor NCMSL AWS State Seed Farm,Alathur 87 Peringottukurissy 88 Thenkurissy 89 Kannadi 90 Ayiloor 91 Nemmara 14 NCMSL AWS at ADA Office, Nemmara NCMSL AWS State Seed Farm,Alathur 92 Nelliyampathy

8 DISTRICT : MALAPPURAM

Sl. Reference Unit Area (RUA) Group Reference Weather Station (RWS) Back Up Weather Station (BWS) No. 1 Pandikkad 2 Thuvoor 3 Porur 1 SKYMET AWS at H/o Ummer P ,Wandoor SKYMET AWS at Al Nazar Studio,Kalikavu 4 Wandoor 5 Thiruvaly 6 Thrikkalangode 7 Edavanna

8 Kavannoor SKYMET AWS at Alikutty NV House, 2 SKYMET AWS at PAO's Office,Malappuram 9 Oorangattiri Areekkode 10 Areekkode 11 Karuvarakkundu 12 Kalikavu 3 SKYMET AWS at Al Nazar Studio,Kalikavu SKYMET AWS at H/o Ummer P ,Wandoor 13 Amarambalam 14 Chokkad 15 Kottakkal 16 Malapuram 17 Ponmala 18 Pookkottoor 4 SKYMET AWS at PAO's Office,Malappuram SKYMET AWS at Panchayat Office ,Vengara 19 Morayoor 20 Anakkayam 21 Kodur 22 Vengara 23 AR Nagar 24 Kannamangalam 5 SKYMET AWS at Panchayat Office ,Vengara SKYMET AWS at PAO's Office,Malappuram 25 Oorakam 26 Othukkungal 27 Kuttippuram 28 Irimpilayam 29 Valanchery 30 Edayoor 6 SKYMET AWS at Krishi Bhavan,Valancheri SKYMET AWS at PAO's Office,Malappuram 31 Marakkara 63

32 Athavanad 33 Kalpakanchery 34 Chungathara 35 Edakkara 36 Nilambur 7 SKYMET AWS at H/o Samuel,Chungathara SKYMET AWS at H/o Ummer P ,Wandoor 37 Karulayi 38 Moothedam 39 Vazhikkadavu

9 DISTRICT : KOZHIKKODE

Sl. Reference Unit Area (RUA) Group Reference Weather Station (RWS) Back Up Weather Station (BWS) No. 1 Koorachundu 2 Kavilumpara 3 Kayakkodi 1 SKYMET AWS at Krishi Bhavan,Kavilumpara SKYMET AWS at Panchayat Office,Nadapuram 4 Chakkittappara 5 Naripatta 6 Maruthonkara 7 Koodarinji 8 Puthuppady 9 Thamarassery SKYMET AWS at State Seed Farm, 10 Thiruvambady 2 SKYMET AWSat Panchayat Office,Koduvally Puthuppady 11 Kodenchery 12 Kattippara 13 Karassery 14 Atholi 15 Balussery 16 Kottur 17 Naduvannoor 18 Panangad 19 Ulliyeri SKYMET AWS at State Seed Farm, 20 Unnikkulam 3 SKYMET AWS at H/o Abdulla TP, Balussery Puthuppady 21 Chelannoor 22 Kakkodi 23 Kakkur 24 Nanmanda 25 Narikkunni 26 Thalakkalathoor 27 Vanimel 28 Nadapuram 29 Kunnummel 30 Velom 31 Thiruvalloor 32 Villiappally 4 SKYMET AWS at Panchayat Office,Nadapuram SKYMET AWS at ADA's Office, Perambra 33 Chekkiad 34 Edachery 35 Puramery 36 Valayam 37 Ayyanchery 38 Thuneri 39 Kozhakkoth 40 Koduvally 41 Madavur

64 42 Omassery 43 Chathamangalam 44 Kodiyathoor 5 SKYMET AWS at Panchayat Office,Koduvally SKYMET AWS at Krishi Bhavan,Puthuppady 45 Kunnamangalam 46 Kuruvathoor 47 Mavoor 48 Mukkom 49 Peruvayal 50 Elathoor 51 Perumanna 52 Kozhikkode 53 Bepoor SKYMET AWS at H/o Muhammed Haneefa 54 Cheruvathoor-Nallalam 6 SKYMET AWS at Panchayat Office,Koduvally ,Bepoor 55 Feroke 56 Olavanna 57 Kadalundi 58 Ramanattukara 59 Payyoli 60 Thikkodi 61 Thurayoor 62 Moodadi 63 Maniyoor 64 Azhiyoor 65 Chorode SKYMET AWS at State Seed Farm, 66 Eramala 7 SKYMET AWSat Panchayat Office,Koduvally Puthuppady 67 Oonchiyam 68 Vadakara 69 Chemmanchery 70 Chengottukavu 71 Koyilandi 72 Keezhariyoor 73 Arikkulam 74 Koothali 75 Changaroth 76 Cheruvannoor 77 Kayana 8 SKYMET AWS at ADA's Office,Perambara SKYMET AWS at Panchayat Office,Nadapuram 78 Nochad 79 Kuttiadi 80 Perambra

10 DISTRICT:KANNUR

Sl. Reference Unit Area (RUA) Group Reference Weather Station (RWS) Back Up Weather Station (BWS) No. 1 Anjarakkandi 2 Chelora 3 Chembilode 4 Munderi 5 Mattannoor Muni 6 Vengad

7 Kolachery SKYMET AWS at Coconut Hybridisation Centre 1 SKYMET AWS t H/o Anil Kumar, Muzhakkunnu 8 Padiyoor ,Chalode 9 Kuttiyathoor 10 Malapattanam 65

11 Mayyil 12 Irikkur 13 Keezhalloor 14 Koodali 15 Cherukunnu 16 Cheruthazhom 17 Ezhome 18 Kalliassery 19 Kannapuram 2 SKYMET AWS at H/o PM Haneef,Madayi SKYMET AWS at Krishi Bhavan,Kankole 20 Madayi 21 Mattool 22 Pappinissery 23 Pattuvom 24 Kunhiimangalam 25 Narath 26 Chirakkal 27 Puzhathy 28 Edakkad SKYMET AWS at Coconut Hybridisation Centre 29 Elavayoor 3 SKYMET AWS at PAO's Office,Kannur ,Chalode 30 Valapattanam 31 Pallikkunnu 32 Kannur Muni 33 Azhikkode 34 Kadannappally-Panappuzha 35 Cherupuzha 36 Eramomkuttoor 37 Kankole-Alappadamba 4 SKYMET AWS at State Seed Farm,Kankole SKYMET AWS at H/o PM Haneef,Madayi 38 Karivelloor-Peralam 39 Peringome 40 Ramanthali 41 Payyanur Muni 42 Dharmadom 43 Eranoli 44 Muzhappilangad 45 Kadirur 46 Kottayam 5 SKYMET AWS at Coconut Nursery,Palayad SKYMET AWS at PAO's Office,Kannur 47 Thalassery Muni 48 Kodiyeri 49 Kadambur 50 Pinarayi 51 Peralasery 52 Chittaripparamba 53 Chokli 54 Kariyad 55 Kunnothuparamba 56 Mangathidom 57 Mokeri SKYMET AWS at Susheela MP Cheriya, 58 New Mahi 6 Kunnothuparamba Po, Cherumparamba, Pin: SKYMET AWS at Coconut Nursery,Palayad 670693, Kannur, Kerala 59 Paniyannoor 60 Panoor 61 Pattiam 62 Peringalam 63 Thrippangottoor 66

64 Koothuparambu Muni 65 Thillankeri 66 Peravoor 67 Kottiyoor 68 Muzhakkunnu 69 Maloor 70 Kelakom

71 Kolayad SKYMET AWS at H/o Anil Kumar, SKYMET AWS at Coconut Hybridisation Centre 7 72 Kanichar Muzhakkunnu ,Chalode 73 Aralam 74 Ayyankunnu 75 Keezhoor 76 Chavassery 77 Payam 78 Ulikkal 79 Andoor 80 Alakkode 81 Chapparappadavu 82 Chengalayi 83 Eruvassy

84 Kurumathoor SKYMET AWS at District Agri 8 SKYMET AWS at PAO's Office,Kannur 85 Naduvil Farm,Kurumathoor ,Thalipparamba 86 Pariyaram 87 Payyavoor 88 Sreekandapuram 89 Udayagiri 90 Thalipparamba Muni

11 DISTRICT : WAYANAD

Sl. Reference Unit Area (RUA) Group Reference Weather Station (RWS) Back Up Weather Station (BWS) No. 1 Thavinjal 1 NCMSL AWS at Krishi Bhavan,Thavinjal NCMSL AWS at SLO Offfice,Mananthawady 2 Thirunelly

3 Panamaram NCMSL AWS at Coffee Board Offfice, 2 NCMSL AWS at JLO Office, Panamaram 4 Kaniyambatta Meenangadi 5 Kalpatta 3 NCMSL AWS at Coffee Board Office ,Kalpetta RGS at TEC ,Kalpetta 6 Vengappally

7 Mullankolli NCMSL AWS at JLO Office, Coffee Board, RGS at Rose Maria Estate ,pambra Post 4 8 Pulpally Pulpally Pulpally 9 Mananthawady 5 NCMSL AWS at SLO Offfice,Mananthawady NCMSL AWS at Krishi Bhavan,Thavinjal 10 Edavaka 11 Thondarnad 6 NCMSL AWS at Krishi Bhavan,Kanjirangad NCMSL AWS at SLO Offfice,Mananthawady 12 Vellamunda 13 Padinjarethara NCMSL AWS at Krishi 14 Kottathara 7 Bhavan,Thariode,Chenmalode,Vythiri Wayanad- NCMSL AWS at SLO Offfice,Mananthawady 673121 15 Thariyode 16 Meppady 8 NCMSL AWS at Krishi Bhavan,Meppady RGS at RCRS,Chundale 17 Mooppainadu 18 Ambalavayal 9 NCMSL AWS at Krishi Bhavan,Ambalavayal RGS at KAU ,Ambalavayal 19 Nenmeni

20 Sulthan Bathery 10 NCMSL AWS at EEC Market ,Ammayippalam RGS at SLO Office, Sulthan Bathery

21 Noolppuzha 11 NCMSL AWS at Krishi Bhavan ,Noolpuzha RGS at SLO Office, Sulthan Bathery 22 Poothady NCMSL AWS t C ff B d Offi 67 23 Meenangadi 12 NCMSL AWS at Coffee Board Office, NCMSL AWS at EEC Market ,Ammayippalam 24 Muttil Meenangadi 25 Pozhuthana 13 NCMSL AWS at Krihsi Bhavan,Vythiri RGS at RCRS,Chundale 26 Vythiri

12 DISTRICT : KASARGODE

Sl. Reference Unit Area (RUA) Group Reference Weather Station (RWS) Back Up Weather Station (BWS) No. 1 Balal 2 Panathady 3 Kallar 1 SKYMET AWS at Krishi Bhavan,Kallar SKYMET AWS H/o Mary George,Parappa 4 Kuttikkol 5 Badadka 6 West Eleri 7 Ajannoor 8 Kanjangad Muni 2 SKYMET AWS at Panchayat Office,Pallikkara SKYMET AWS at Krishi Bhavan ,Pullur 9 Pallikkara 10 Uduma 11 Madikkai 3 SKYMET AWS at State Seed Farm ,Pullur SKYMET AWS at Panchayat Office,Pallikkara 12 Pullur-Periya 13 Padanna 14 Valiyaparamba 15 Thrikkarippoor 4 SKYMET AWS at ADA's Office,Neeleshwar SKYMET AWS at Krishi Bhavan ,Pullur 16 Neeleshwaram 17 Cheruvathoor 18 Pilicode 19 Kayyur-Cheemeni 20 Kinnannoor-Karinthalam 5 SKYMET AWS H/o Mary George,Parappa SKYMET AWSat Krishi Bhavan,Kallar 21 Kodombelur 22 East Eleri 23 Manjeshwaram 24 Mangalpadi 6 SKYMET AWS at Krishi Bhavan, Mangalpadi SKYMET AWS at Krishi Bhavan,Paivelige 25 Kumbala 26 Mogral Puthoor 27 Kasargode Muni 28 Chemnad 7 SKYMET AWS at Krishi Bhavan,Kasargode SKYMET AWS at Krishi Bhavan,Bediadka 29 Madhur 30 Meenja 31 Vorkkady 8 SKYMET AWS at Krishi Bhavan,Paivelige SKYMET AWS at Krishi Bhavan, Mangalpadi 32 Paivelige 33 Puthige 34 Enmakaje 35 Badiadka 36 Kumbaje 9 SKYMET AWS at Krishi Bhavan,Bediadka SKYMET AWS at Krishi Bhavan ,Karadhka 37 Belur 38 Chengala 39 Delampady 40 Karadka 10 SKYMET AWS at Krishi Bhavan ,Karadhka SKYMET AWS at Krishi Bhavan,Bediadka 41 Muliyar 68 Annexure WB-III for Banana Back Up Weeather Station (BWS) SKYMET AWS Office Chavara ADA at SKYMET AWS at Coconut Nursery, Karunagapally-690523 SKYMET AWS Kallada East Block at Office(Chittumala) SKYMET AWS at ADA Office Chathannoor SKYMET AWS at Panchayat Office Thrikkovilvattom SKYMET AWS Sasthankotta Bhavan Krishi at SKYMET AWS Melila Bhavan Krishi at SKYMET AWS Kottarakkara Farm Cashew at SKYMET AWS Kadakkal Bhavan Krishi at SKYMET AWS Kadakkal Bhavan Krishi at Back Up Weeather Station (BWS) SKYMET AWS Attingal Bhavan Krishi at SKYMET AWS Vellanad Bhavan Krishi at SKYMET AWS at Panchayat Office Venganoor SKYMET AWS at Krishi Bhavan Kazhakkoottam SKYMET AWS at Krishi Bhavan Nedumangad SKYMET AWS Attingal Bhavan Krishi at SKYMET AWS at Panchayat Office Kulathoor SKYMET AWS Attingal Bhavan Krishi at SKYMET AWS Vellanad Bhavan Krishi at SKYMET AWS Ottoor Bhavan Krishi at SKYMET AWS at Panchayat Office Venganoor Regional Office,Thiruvananthapuram Agriculture Insurance Company of India of Company Insurance Agriculture Reference Weather Station (RWS) SKYMET AWS at Coconut Nursery, Karunagapally-690523 SKYMET AWS Office Chavara ADA at SKYMET AWS Sasthankotta Bhavan Krishi at SKYMET AWS at Panchayat Office Thrikkovilvattom SKYMET AWS at ADA Office Chathannoor SKYMET AWS Kallada East Block at Office(Chittumala) SKYMET AWS Kottarakkara Farm Cashew at SKYMET AWS Melila Bhavan Krishi at SKYMET AWS Ittiva Farm Agri District at SKYMET AWS at Krishi Bhavan Kulathuppuzha SKYMET AWS at Krishi Bhavan Kazhakkoottam SKYMET AWS at Krishi Bhavan Nedumangad SKYMET AWS at Panchayat Office Kulathoor SKYMET AWS Attingal Bhavan Krishi at SKYMET AWS Vellanad Bhavan Krishi at SKYMET AWS Ottoor Bhavan Krishi at SKYMET AWS at Panchayat Office Venganoor SKYMET AWS at Krishi Bhavan Nellanad SKYMET AWS Office Kallikkad Panchayat at SKYMET AWS Karavaram Bhavan Krishi at SKYMET AWS at Panchayat Office Kalliyoor Reference Weather Station (RWS) DISTRICT: District -wise List of ,Reference Reference Unit Weather Area(RUA) Station (RWS) & Back Up Weather Stations(BWS) Reference Unit Area Reference Unit Area THIRUVANANTHAPURAM Thodiyoor Chavara Sashthancotta Thrikkovilvattom Chathannoor East Kallada Kottarakkara Melila Ittiva Kulathupuzha Kazhakkoottam MunicipalityNedumangad Kulathoor Attingal Vellanad Ottur Venganoor Nellanad Kallikkad Karavaram Kalliyoor DISTRICT: KOLLAM 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 2 1 Sl Sl 10 10 11 No No

69 SKYMET AWS Punalur Bhavan Krishi at SKYMET AWS at Krishi Bhavan Pathanapuram SKYMET AWS Ittiva Farm Agri District at Back up Weather Station(BWS) SKYMET AWS at Krishi Bhavan Udayanapuram SKYMET AWS at Krishi Bhavan Kuruvilangadu SKYMET AWS at Krishi Bhavan Puthupally SKYMET AWS Nedumkunnam Premises PHC at SKYMET AWS Nedumkunnam Premises PHC at SKYMET AWS Pallickathode Bhavan Krishi at SKYMET AWS Pala Bhavan Krishi at SKYMET AWS at Krishi Bhavan Puthupally Back up Weather Station(BWS) RGSIMD's at Cheruthoni RGSIMD's at Cheruthoni RGS at TEC, Vazhavara RGSIMD's at Cheuthoni AWSNCMSL at State Veg Farm Vandipperiyar AWSNCMSL at Panchayat Office Adimali AWSNCMSL at State Veg Farm Vandipperiyar RGSIMD's at Peerumed Office,Adimali JLO at RGS SKYMET AWS at Krishi Bhavan Munnar AWSNCMSL at Panchayat Office Adimali AWSNCMSL at Panchayat Office Rajakkad AWSNCMSL at Block Panchayat Office Alakkode SKYMET AWS at Dr. Vineeth R Sivam, Opp Mount Sinai hospital, Thodupuzha AWSNCMSL at State Seed Farm Karimannur SKYMET AWS at Krishi Bhavan Pathanapuram Reference Weather Station (RWS) SKYMET AWS at Krishi Bhavan Kuruvilangadu SKYMET AWS at Krishi Bhavan Udayanapuram SKYMET AWS Arpookkara Bhavan, Krishi at SKYMET AWS at Krishi Bhavan Puthupally SKYMET AWS at Krishi Bhavan Vazhappally SKYMET AWS Pala Bhavan Krishi at SKYMET AWS Pallickathode Bhavan Krishi at SKYMET AWS Nedumkunnam Premises PHC at Reference Weather Station (RWS) AWSNCMSL at CRS Pambadumpara AWSNCMSL at Panchayat Office Rajakkad AWSNCMSL at TEC Vazhavara SKYMET AWS at Krishi Bhavan Vazhathope AWSNCMSL at Panchayat Office Peruvanthanom AWSNCMSL at Krishi Bhavan Konnathadi AWSNCMSL at Krishi Bhavan Elappara AWSNCMSL at State Veg Farm Vandipperiyar AWSNCMSL at Panchayat Office Adimali SKYMET AWS Punalur Bhavan Krishi at SKYMET AWS Kadakkal Bhavan Krishi at AWSNCMSL at Krishi Bhavan Kanthalloor SKYMET AWS at Krishi Bhavan Munnar AWSNCMSL at KVK Santhanpara AWSNCMSL at State Seed Farm Karimannur AWSNCMSL at Block Panchayat Office Alakkode SKYMET AWS at Dr. Vineeth R Sivam, Opp Mount Sinai hospital, Thodupuzha Reference Unit Area(RUA) Reference Unit Area(RUA) Pathanapuram Thodupuzha Muni DISTRICT:KOTTAYAM Kuravilangadu Udayanapuram Arpookkara Puthuppally Vazhappally Pala Pallikkathodu Nedumkunnam DISTRICT : IDUKKI Pampadumpara Rajakkad Kattappana Vazhathope Peruvanthanam Konnathadi Elappara Vandipperiyar Adimali Punalur Municipality Kadakkal Kanthalloor Munnar Santhanpara Karimannur Alakkode 3 1 2 3 4 5 6 7 8 4 1 2 3 4 5 6 7 8 9 Sl Sl 11 15 12 13 10 11 12 13 14 No No

70 Back Up Weather Station (BWS) SKYMET AWS Poothrikka Bhavan Krishi at SKYMET AWS Nellikkuzhy Bhavan Krishi at SKYMET AWS at Krishi Bhavan Vengoor SKYMET AWS Nellikkuzhy Bhavan Krishi at SKYMET AWS at Block Panchayt Office Mulanthuruthy SKYMET AWS at Block Panchayat Office Pambakkuda SKYMET AWS Office Chalakkudy ADA at SKYMET AWS Office Chalakkudy ADA at SKYMET AWS Koorkkanchhery Bhavan Krishi at SKYMET AWS at Krishi Bhavan Nayarambalam SKYMET AWS at Krishi Bhavan Kumbalangi SKYMET AWS at Krishi Bhavan Nayarambalam SKYMET AWS at Krishi Bhavan Kizhakkambalam SKYMET AWS at Civil Mini Station Perumbavoor Municipality SKYMET AWS at Krishi Bhavan Kizhakkambalam SKYMET AWS at Civil Mini Station Perumbavoor Municipality Back Up Weeather Station (BWS) SKYMET AWS at Krishi Bhavan Manjalloor SKYMET AWS Office Vellangalloor ADA at SKYMET AWS at Govt Ayurvedic Hospital Madakkathara SKYMET AWS at Krishi Bhavan Thanniyam SKYMET AWS Chelakkara Bhavan Krishi at SKYMET AWS Office Porkkulam Panchayat at SKYMET AWS at Krishi Bhavan Mundathicode SKYMET AWS Koorkkanchhery Bhavan Krishi at Reference Weather Station (RWS) SKYMET AWS at Krishi Bhavan Vengoor SKYMET AWS Nellikkuzhy Bhavan Krishi at SKYMET AWS Neriyamangalam Farm Agri District at SKYMET AWS at Block Panchayat Office Pambakkuda SKYMET AWS at Block Panchayt Office Mulanthuruthy SKYMET AWS Office Vellangalloor ADA at SKYMET AWS at Krishi Bhavan Vankidangu SKYMET AWS at Krishi Bhavan Chendamangalam SKYMET AWS at Krishi Bhavan Nayarambalam SKYMET AWS at Krishi Bhavan Kumbalangi SKYMET AWS Office Alangad ADA at SKYMET AWS at Krishi Bhavan Kizhakkambalam SKYMET AWS at Civil Mini Station Perumbavoor Municipality SKYMET AWS at Krishi Bhavan Mookkanoor SKYMET AWS at Krishi Bhavan Manjalloor SKYMET AWS at Karshakasamithi Office near State seed store, Nanthipalam, Varantharappilly Reference Weather Station (RWS) SKYMET AWS Poothrikka Bhavan Krishi at SKYMET AWS Office Chalakkudy ADA at SKYMET AWS Chelakkara Bhavan Krishi at SKYMET AWS Koorkkanchhery Bhavan Krishi at SKYMET AWS at Govt Ayurvedic Hospital Madakkathara SKYMET AWS at Krishi Bhavan Mundathicode SKYMET AWS Office Porkkulam Panchayat at SKYMET AWS at Krishi Bhavan Thanniyam Reference Unit Area District : ERNAKULAM Reference (RUA) Unit Area Vengoor Nellikuzhy Kavalangad Pampakuda Mulanthuruthy :THRISSUR District Vellangallur Vankidangu Nayarambalam Kumbalanghi Alengad Kizhakkambalam Perumbavoor Municipality Mookkannoor Poothrikka Chendamangalam Manjalloor Chalakkudy Chelakkara Koorkkanchery Madakkathara Mundathicode Porkkulam Thanniyam Varantharappilly 6 9 5 2 3 4 5 6 7 8 1 9 1 2 3 4 5 6 7 8 Sl 10 11 12 13 14 10 Sl. Sl. No No.

71 Back Up Weather Station (BWS) Back Up Weather Station (BWS) NCMSL AWSNCMSL Office, ADA at Nemmara SKYMET AWS at Krishi Bhavan Vadavannur,Kollengode SKYMET AWS at Krishi Bhavan Vadavannur,Kollengode AWSNCMSL at ISDF Eruthiampathy SKYMET AWS Pattambi Bhavan Krishi at SKYMET AWS at Krishi Bhavan Mannarkkad AWSNCMSL at State Seed Farm, Ananganadi SKYMET AWS Pattambi Bhavan Krishi at SKYMET AWS Pattambi Bhavan Krishi at AWSNCMSL at State Seed Farm, Ananganadi AWSNCMSL at Gram Panchayat Office,Parli AWSNCMSL at Observatory, State Seed Farm Marutharode Kunnannoor AWSNCMSL State Seed Farm ,Alathur AWSNCMSL State Seed Farm ,Alathur SKYMET AWS Studio,Kalikavu Nazar Al at SKYMET AWS Office,Malappuram PAO's at SKYMET AWS at P H/o ,Wandoor Ummer SKYMET AWS at Panchayat Office ,Vengara SKYMET AWS Office,Malappuram PAO's at SKYMET AWS Office,Malappuram PAO's at SKYMET AWS at P H/o ,Wandoor Ummer Reference Weather Station (RWS) Reference Weather Station (RWS) NCMSL AWSNCMSL State Seed Farm ,Alathur AWSNCMSL at ISDF Eruthiampathy AWSNCMSL at Krishi Bhavan,Nalleppally SKYMET AWS at Krishi Bhavan Vadavannur,Kollengode SKYMET AWS at Krishi Bhavan Mannarkkad AWSNCMSL at H/O House Koyamu. Name; Kongath. Near to Krishibhavan, Thatchanattukara, Dist: Palakkad-678583 SKYMET AWS Pattambi Bhavan Krishi at AWSNCMSL at Gram Panchayat Office,Pattithara AWSNCMSL at State Seed Farm, Ananganadi NCMSL AWSNCMSL at Gram Panchayat Office,Sreekrishnapuram AWSNCMSL at Observatory, State Seed Farm Marutharode Kunnannoor AWSNCMSL at Gram Panchayat Office,Parli AWSNCMSL at Krishi Bhavan,Kuthannoor AWSNCMSL Office, ADA at Nemmara SKYMET AWS at P H/o ,Wandoor Ummer SKYMET AWS Areekkode House, NV Alikutty at SKYMET AWS Studio,Kalikavu Nazar Al at SKYMET AWS Office,Malappuram PAO's at SKYMET AWS at Panchayat Office ,Vengara SKYMET AWS Bhavan,Valancheri Krishi at SKYMET AWS at H/o Samuel,Chungathara Reference (RUA) Unit Area Reference (RUA) Unit Area DISTRICT : PALAKKAD Alathur Eruthiampathy Nalleppally Vadavannur Mannarkkad Thachanattukara Pattambi Pattithara Ananganadi DISTRICT : MALAPPURAM Sreekrishnapuram Marutharode Parali Kuthanoor Nemmara Wandoor Areekkode Kalikavu Malapuram Vengara Valanchery Chungathara 7 1 2 3 4 5 6 7 8 9 8 1 2 3 4 5 6 7 10 11 12 13 14 Sl. Sl. Sl. Sl. No. No.

72 Back Up Weather Station (BWS) Back Up Weather Station (BWS) Back Up Weather Station (BWS) SKYMET AWS Office,Perambara ADA's at SKYMET AWS at State Seed Farm, Puthuppady SKYMET AWS at Panchayat Office,Koduvally SKYMET AWS at Panchayat Office,Nadapuram SKYMET AWS at Panchayat Office,Koduvally SKYMET AWS at State Seed Farm, Puthuppady SKYMET AWS Office,Kannur PAO's at SKYMET AWS at Panchayat Office,Nadapuram NCMSL AWSNCMSL at SLO Offfice,Mananthawady AWSNCMSL at Coffee Board Office, Meenangadi TEC ,Kalpetta at RGS RGS at Rose Estate Maria ,Pambra Post Pulpally AWSNCMSL at Krishi Bhavan,Thavinjal SKYMET AWS t H/o Anil Kumar, Muzhakkunnu SKYMET AWS at State Seed Farm,Kankole SKYMET AWS at Coconut Hybridisation Centre ,Chalode SKYMET AWS at H/o Haneef,Madayi PM SKYMET AWS Office,Kannur PAO's at SKYMET AWS Nursery,Palayad Coconut at SKYMET AWS at Coconut Hybridisation Centre ,Chalode Reference Weather Station (RWS) Reference Weather Station (RWS) Reference Weather Station (RWS) SKYMET AWS TP, Balussery Abdulla H/o at SKYMET AWS at Panchayat Office,Nadapuram SKYMET AWS at Panchayat Office,Koduvally SKYMET AWS Haneefa at ,Bepoor H/o Muhammed SKYMET AWS Agri District at Farm,Kurumathoor,Thalipparamba SKYMET AWS at State Seed Farm, Puthuppady SKYMET AWS Office,Perambara ADA's at NCMSL AWSNCMSL at Krishi Bhavan,Thavinjal AWSNCMSL at JLO Office, Panamaram AWSNCMSL at Coffee Board Office ,Kalpetta AWSNCMSL at JLO Office, Pulpally AWSNCMSL at SLO Offfice,Mananthawady SKYMET AWS Bhavan,Kavilumpara Krishi at SKYMET AWS at Coconut Hybridisation Centre ,Chalode SKYMET AWS at H/o Haneef,Madayi PM SKYMET AWS Office,Kannur PAO's at SKYMET AWS at State Seed Farm,Kankole SKYMET AWS Nursery,Palayad Coconut at SKYMET AWS at Susheela Cheriya, MP Kunnothuparamba Po, Cherumparamba, Pin: 670693, Kannur, Kerala SKYMET AWS t H/o Anil Kumar, Muzhakkunnu Reference (RUA) Unit Area Reference (RUA) Unit Area Reference (RUA) Unit Area Nadapuram DISTRICT : WAYANAD DISTRICT:KANNUR DISTRICT : KOZHIKKODE Puthuppady Balussery Koduvally Bepoor Perambra Thavinjal Panamaram Kalpatta Pulpally Mananthawady Kavilumpara Keezhalloor Madayi Kannur Muni Kankole-Alappadamba Dharmadom Kunnothuparamba Muzhakkunnu Kurumathoor 4 9 2 3 5 6 7 1 2 3 4 5 1 1 2 3 4 5 6 7 8 11 10 Sl. Sl. Sl. Sl. Sl. Sl. No. No. No.

73 Back Up Weather Station (BWS) SKYMET AWS Bhavan,Paivelige Krishi at SKYMET AWS Bhavan,Bediadka Krishi at SKYMET AWS at Krishi Bhavan, Mangalpadi SKYMET AWS ,Karadhka Bhavan Krishi at SKYMET AWS Bhavan,Bediadka Krishi at SKYMET AWS George,Parappa H/o Mary SKYMET AWS ,Pullur Farm Seed State at SKYMET AWS Bhavan,Kallar Krishi at NCMSL AWSNCMSL at SLO Offfice,Mananthawady AWSNCMSL at SLO Offfice,Mananthawady RGS at RCRS,Chundale RGS at KAU ,Ambalavayal RGS at SLO Office, Sulthan Bathery RGS at SLO Office, Sulthan Bathery AWSNCMSL at EEC Market ,Ammayippalam RGS at RCRS,Chundale SKYMET AWS ,Pullur Farm Seed State at SKYMET AWS Office,Pallikkara Panchayat at Reference Weather Station (RWS) SKYMET AWS at Krishi Bhavan, Mangalpadi SKYMET AWS Bhavan,Kasargode Krishi at SKYMET AWS Bhavan,Paivelige Krishi at SKYMET AWS Bhavan,Bediadka Krishi at SKYMET AWS ,Karadhka Bhavan Krishi at SKYMET AWS Bhavan,Kallar Krishi at SKYMET AWS Office,Neeleshwar ADA's at SKYMET AWS George,Parappa H/o Mary NCMSL AWSNCMSL at Krishi Bhavan,Thariode,Chenmalode,Vythiri Wayanad-673121 AWSNCMSL at Krishi Bhavan,Meppady AWSNCMSL at Krishi Bhavan,Ambalavayal NCMSL AWSNCMSL at Krishi Bhavan,Kanjirangad SKYMET AWS Office,Pallikkara Panchayat at NCMSL AWSNCMSL at EEC Market ,Ammayippalam AWSNCMSL at Krishi Bhavan ,Noolpuzha AWSNCMSL at Coffee Board Office, Meenangadi AWSNCMSL Bhavan,Vythiri Krihsi at SKYMET AWS ,Pullur Farm Seed State at Reference (RUA) Unit Area Kinnannoor-Karinthalam Mangalpadi Kasargode Muni Paivelige Badiadka Karadka Thariyode Meppady Ambalavayal Thondarnad Pallikkara Sulthan Bathery Noolppuzha Meenangadi Vythiri DISTRICT : KASARGODE Pullur-Periya Neeleshwaram Kallar 7 8 9 6 8 3 20 24 27 32 35 40 10 11 12 13 12 11 15 Sl. Sl. No. NB: Banana is notified only in the selected Panchayats /Municipalities as mentioned above. Banana cultivated in rest of Panchayats/Municipalities/Corporations in these districts are to be insured under MNAIS

74 es to AIC to AIC es Premium & Premium Proposals by by Proposals 31st July 2015 July 31st Submission of Submission Banks/Intermediari Annexure WB-IV Annexure Premium & Premium 7th July 2015 7th July Proposals by by Proposals Intermediaies Non-Loanee Farmer Cut Off Dates Farmer Non-Loanee Submission of Submission Growers to Banks/ AIC Receipt of Receipt Premium & Premium 31st Aug 2015 Aug 31st Declarations to Declarations Loans Loans period July 2015 July sancationed sancationed Loanee Farmer Cut Off Dates Farmer Loanee April 2015 to 2015 April To 31.10.2015 07.09.2015 30.09.2015 31.10.2015 31.10.2015 30.09.2015 30.11.2015 15.09.2015 30.09.2015 30.11.2015 31.05.2016 31.05.2016 31.08.2015 30.09.2015 30.04.2016 30.04.2016 30.11.2015 29.02.2016 29.02.2016 31.05.2016 15.05.2016 30.11.2015 28.02.2016 28.02.2016 30.11.2015 31.05.2016 31.05.2016 30.11.2015 31.05.2016 31.03.2016 31.12.2015 31.03.2016 31.05.2016 31.08.2015 31.08.2015 31.12.2015 31.08.2015 31.05.2016 Insurance period Insurance From 07.07.2015 07.07.2015 01.08.2015 07.07.2015 07.07.2015 01.08.2015 07.07.2015 07.07.2015 01.08.2015 07.07.2015 01.03.2016 15.04.2016 07.07.2015 07.07.2015 01.03.2016 01.03.2016 07.07.2015 16.09.2015 01.12.2015 07.07.2015 01.03.2016 07.07.2015 16.09.2015 01.12.2015 07.07.2015 15.04.2016 15.04.2016 16.09.2015 15.03.2016 15.09.2015 01.10.2015 01.01.2016 07.07.2015 07.07.2015 07.07.2015 01.10.2015 07.07.2015 01.04.2016 Insurance covers Insurance Regional Office,Thiruvananthapuram Regional DEFICIT RAINFALL DEFICIT SPELL DRY HIGH TEMPERATURE RAINFALL DEFICIT SPELL DRY HIGH TEMPERATURE RAINFALL DEFICIT SPELL DRY HIGH TEMPERATURE CLIMATE CONGENIAL DISEASE RAINFALL DEFICIT SPELL DRY SPELL DRY CLIMATE CONGENIAL DISEASE RAINFALL EXCESS / UNSEASONAL SPELL WET RAINFALL DEFICIT EXCESS RAINFALL SPELL WET RAINFALL DEFICIT RAINFALL EXCESS / UNSEASONAL RAINFALL DEFICIT EXCESS RAINFALL SPELL WET CLIMATE CONGENIAL DISEASE SPELL DRY CLIMATE CONGENIAL PEST EXCESS RAINFALL SPELL DRY EXCESS RAINFALL WIND SPEED WIND SPEED EXCESS RAINFALL SPELL DRY CLIMATE CONGENIAL DISEASE CLIMATE CONGENIAL DISEASE WIND SPEED WIND SPEED Agriculture Insurance Company of India Crop wise Risks Covered ,Risk Period & Cut-Off wiseCrop Period Risks Covered ,Risk Date for Coverage Kottayam Kottayam Kasargod Kozhikode Ernakulam Districts Covered Districts Idukki & Palakkad Idduki & Wayanad Ernakulam,Thrissur Idukki,Wayanad &Palakkad Idukki,Wayanad Idukki, Kottayam &Ernakulam Kottayam Idukki, Idukki, Wayanad and Palakkad Idukki, Wayanad Palakkad, Kollam & Ernakulam Kollam Palakkad, Malappuram, Palakkad, & Thrissur & Thrissur Palakkad, Malappuram, Idukki, Wayanad, Kannur, Kozhikode, Kannur, Wayanad, Idukki, Idukki, Wayanad, Kannur, Kozhikode, Kannur, Wayanad, Idukki, Thiruvananthapuram, Kollam, Ernakulam, Ernakulam, Kollam, Thiruvananthapuram, Wayanad, Kannur, Kozhikode, Kasargode, Kasargode, Kozhikode, Kannur, Wayanad, Thrissur, Palakkad, Malappuram,Kannur & Malappuram,Kannur Palakkad, Thrissur, Idukki, Wayanad, Kozhikode, Malappuram, Malappuram, Kozhikode, Wayanad, Idukki, Malappuram, Palakkad, Kollam, Kottayam , Kottayam Kollam, Palakkad, Malappuram, Thiruvananthapuram, Thrissur, kasargod & kasargod Thrissur, Thiruvananthapuram, Kasargode, Malappuram, Palakkad, Kollam & Kollam Palakkad, Malappuram, Kasargode, Crops Ginger Pepper Nutmeg Banana Turmeric Arecanut Pineapple Sugarcane Cardomom Paddy (autumn) Plains 2 Plains (autumn) Paddy Paddy (autumn) Plains 3 Plains (autumn) Paddy Paddy (autumn) Plains 1 & Plains (autumn) Paddy Paddy (autumn) Highrange (autumn) Paddy 1 3 5 7 8 9 6 2 4 Sl 12 10 11 No Season : WBCISSeason 2015 Kharif 75 HECTARE Unit: As per Notification As per Notification 20 34 50 13 to to 200 8000 2000 6-Oct 31-Oct 16-Sep 30-Sep Phase-IV Phase-IV 18 50 20 to to 250 33.5 5000 4000 31/Oct/15 5-Oct 30/Sep/15 1-Sep 15-Sep 22-Aug Phase-III Phase-III 4 mm 7/Sep/15 40 8000 TERM SHEET TERM 15000 12000 333.33 15 33 50 20 to to to to to 2.5 250 3500 4000 28-Jul 16-Aug 21-Aug 31-Aug Phase-II Phase-II 13 50 20 to to 300 32.5 2000 5000 7-Jul 1-Aug 27-Jul Phase-I Phase-I 15-Aug WEATHER BASED CROP INSURANCE SCHEME (Kharif 2015) Aggregate of rainfall over respective Phases respective over rainfall of Aggregate days Number dry aof of spell in consecutive days Max triggers from respective of T deviation upward daily Cumulative Thiruvananthapuram,Kollam, Ernakulam, Thrissur, Malappuram, Kozhikode Malappuram, Thrissur, Ernakulam, Thiruvananthapuram,Kollam, 7/Jul/15 1/Aug/15 35000 3255 7/Jul/15 9.30% Back Up Back Weather Station: District: Reference Unit Reference Area & Weather Station: Phase Phase Agriculture Insurance Company Ltd Annexure of India WB-V ( 1 ) PERIOD Note: of Franchise less Total Claims ofthan ie Rs.200 not be applicable shall be paid. Farmer shall per PAYOUT (Rs.) STRIKE (mm) < STRIKE (cons. day) >= TRIGGER (°C) MAXIMUM PAYOUT (Rs.) PERIOD INDEX STRIKE (° C) > EXIT PAYOUT RATE (Rs./mm) MAXIMUM PAYOUT (Rs.) SUM INSURED (Rs.) PREMIUM (Rs.) PREMIUM % EXIT EXIT PAYOUT RATE (Rs./mm) MAXIMUM PAYOUT (Rs.) TOTAL MAXIMUM PAYOUT (Rs.) PERIOD INDEX INDEX DRY SPELL DRY DEFICIT RAINFALL HIGH TEMPERATURE Note : A day is defined as a dry day if the rainfall of the day is < is day of the if the rainfall day dry a as is defined day A : Note PADDY (autumn) Plains 1 (autumn) PADDY Kerala Crop: State: 3 1. 2. 76 HECTARE Unit: As per Notification As per Notification 20 34 50 13 to to 200 8000 2000 6-Oct 31-Oct 16-Sep 30-Sep Phase-IV Phase-IV 18 50 20 to to 250 33.5 5000 4000 31/Oct/15 5-Oct 30/Sep/15 1-Sep 15-Sep 22-Aug Phase-III Phase-III 4 mm 7/Sep/15 40 8000 TERM SHEET TERM 15000 12000 333.33 15 33 50 20 to to to to to 2.5 250 3500 4000 28-Jul 16-Aug 21-Aug 31-Aug Phase-II Phase-II 13 50 20 to to 300 32.5 2000 5000 7-Jul 1-Aug 27-Jul Phase-I Phase-I 15-Aug WEATHER BASED CROP INSURANCE SCHEME (Kharif 2015) Aggregate of rainfall over respective Phases respective over rainfall of Aggregate days Number dry aof of spell in consecutive days Max triggers from respective of T deviation upward daily Cumulative Palakkad, Kannur 7/Jul/15 1/Aug/15 35000 3115 7/Jul/15 8.90% Back Up Back Weather Station: District: Reference Unit Reference Area & Weather Station: Phase Phase Agriculture Insurance Company Ltd Annexure of India WB-V (2) PERIOD Note: of Franchise less Total Claims ofthan ie Rs.200 not be applicable shall be paid. Farmer shall per PAYOUT (Rs.) STRIKE (mm) < STRIKE (cons. day) >= TRIGGER (°C) MAXIMUM PAYOUT (Rs.) PERIOD INDEX STRIKE (° C) > EXIT PAYOUT RATE (Rs./mm) MAXIMUM PAYOUT (Rs.) SUM INSURED (Rs.) PREMIUM (Rs.) PREMIUM % EXIT EXIT PAYOUT RATE (Rs./mm) MAXIMUM PAYOUT (Rs.) TOTAL MAXIMUM PAYOUT (Rs.) PERIOD INDEX INDEX DRY SPELL DRY DEFICIT RAINFALL HIGH TEMPERATURE Note : A day is defined as a dry day if the rainfall of the day is < is day of the if the rainfall day dry a as is defined day A : Note PADDY (autumn) Plains 2 (autumn) PADDY Kerala Crop: State: 3 1. 2. 77 HECTARE Unit: As per Notification As per Notification 20 34 50 13 to to 200 8000 2000 6-Oct 31-Oct 16-Sep 30-Sep Phase-IV Phase-IV 18 50 20 to to 250 33.5 5000 4000 31/Oct/15 5-Oct 30/Sep/15 1-Sep 15-Sep 22-Aug Phase-III Phase-III 4 mm 31/Oct/15 40 8000 TERM SHEET TERM 15000 12000 333.33 15 33 50 20 to to to to to 2.5 250 3500 4000 28-Jul 16-Aug 21-Aug 31-Aug Phase-II Phase-II 13 50 20 to to 300 32.5 2000 5000 7-Jul 1-Aug 27-Jul Phase-I Phase-I 15-Aug WEATHER BASED CROP INSURANCE SCHEME (Kharif 2015) Aggregate of rainfall over respective Phases respective over rainfall of Aggregate days Number dry aof of spell in consecutive days Max triggers from respective of T deviation upward daily Cumulative Kasargode 7/Jul/15 1/Aug/15 35000 3115 7/Jul/15 8.90% Back Up Back Weather Station: District: Reference Unit Reference Area & Weather Station: Phase Phase Agriculture Insurance Company Ltd Annexure of India WB-V (3 ) PERIOD Note: of Franchise less Total Claims ofthan ie Rs.200 not be applicable shall be paid. Farmer shall per PAYOUT (Rs.) STRIKE (mm) < STRIKE (cons. day) >= TRIGGER (°C) MAXIMUM PAYOUT (Rs.) PERIOD INDEX STRIKE (° C) > EXIT PAYOUT RATE (Rs./mm) MAXIMUM PAYOUT (Rs.) SUM INSURED (Rs.) PREMIUM (Rs.) PREMIUM % EXIT EXIT PAYOUT RATE (Rs./mm) MAXIMUM PAYOUT (Rs.) TOTAL MAXIMUM PAYOUT (Rs.) PERIOD INDEX INDEX DRY SPELL DRY DEFICIT RAINFALL HIGH TEMPERATURE Note : A day is defined as a dry day if the rainfall of the day is < is day of the if the rainfall day dry a as is defined day A : Note PADDY (autumn) Plains 3 (autumn) PADDY Kerala Crop: State: 3 1. 2. 78 HECTARE Unit: 20 25 to 125 2000 21-Oct 30-Nov Phase-V As per Notification As per Notification 20 20 50 34 to to 175 8000 2500 1-Oct 20-Oct 16-Sep 30-Sep Phase-IV Phase-IV 18 15 50 to to 250 30/Sep/15 15/Sep/15 33.5 30/Nov/15 5000 3000 1-Sep 30-Sep 15-Sep 22-Aug 15000 Phase-III Phase-III 4 40 mm 8000 12000 333.33 TERM SHEET TERM 15 14 33 to to to to to 2.5 350 100 3500 3500 1-Aug 21-Aug 16-Aug 31-Aug Phase-II Phase-II 13 to to 400 100 32.5 2000 4000 7-Jul 13.33 1-Aug 31-Jul Phase-I Phase-I 15-Aug WEATHER BASED CROP INSURANCE SCHEME (Kharif 2015) Aggregate of rainfall over respective Phases respective over rainfall of Aggregate days Number dry aof of spell in consecutive days Max triggers from respective of T deviation upward daily Cumulative 7/Jul/15 Idduki, Wayanad 1/Aug/15 7/Jul/15 35000 3115 8.90% Back Up Back Weather Station: District: Reference Unit Reference Area & Weather Station: Phase Phase Agriculture Insurance Company of India Ltd Annexure WB-V (4 ) (4 WB-V Annexure Ltd of India Company Insurance Agriculture PERIOD INDEX PERIOD Note: of Franchise less Total Claims ofthan ie Rs.200 not be applicable shall be paid. Farmer shall per PERIOD INDEX PAYOUT (Rs.) MAXIMUM PAYOUT (Rs.) STRIKE (mm) < STRIKE (cons. day) >= TRIGGER (°C) INDEX TOTAL MAXIMUM PAYOUT (Rs.) MAXIMUM PAYOUT (Rs.) PAYOUT RATE (Rs./mm) EXIT EXIT STRIKE (° C) > EXIT PAYOUT RATE (Rs./Degree) MAXIMUM PAYOUT (Rs.) SUM INSURED (Rs.) PREMIUM (Rs.) PREMIUM % DRY SPELL DRY DEFICIT RAINFALL HIGH TEMPERATURE Note : A day is defined as a dry day if the rainfall of the day is < is day of the if the rainfall day dry a as is defined day A : Note PADDY (autumn) Highrange (autumn) PADDY Kerala Crop: State: 3 1. 2.

79 mm 50 HECTARE Unit: % , daily% rainfall > 90 0-Jan As per Notification 30 10000 As per Notification 6 25 5000 30/Nov/15 31/May/16 25000 TERM SHEET TERM 10000 4 25 20 to to to 110 8000 2500 94.12 25000 10000 16-Apr 31-May Phase-II mm 31/May/16 10000 0 2 WEATHER BASED CROP INSURANCE SCHEME (Kharif 2015) (Kharif SCHEME INSURANCE CROP BASED WEATHER 15 15 to 2.5 2000 1000 2500 1-Mar 133.33 15-Apr Phase-I Aggregate of rainfall over respective Phases respective over rainfall of Aggregate days dry consecutive of a spell in days of Number > RH maximum daily having days consecutive of Number Wayanad,Kasargode,Malappuram,Palakkad & Thrissur . Thrissur & Wayanad,Kasargode,Malappuram,Palakkad 1/Mar/16 7/Jul/15 15/Apr/16 45000 4185 9.30% Back Up Weather Station: Weather Up Back District: Phase INDEX Reference Unit Area & Reference Weather Station: Weather Reference & Area Unit Reference Agriculture Insurance Company of India Ltd Annexure WB-V (5 ) PERIOD PERIOD MAXIMUM PAYOUT (Rs.) STRIKE (mm) < EXIT PAYOUT RATE (Rs./mm) TOTAL MAXIMUM PAYOUT (Rs.) PERIOD STRIKE >= (cons. day) MAXIMUM PAYOUT (Rs.) STRIKE >= (cons. day) PAYOUT (Rs.) PAYOUT PAYOUT (Rs.) PAYOUT MAXIMUM PAYOUT (Rs.) SUM INSURED (Rs.) PREMIUM (Rs.) PREMIUM % Note: Franchise of Rs.250 shall be applicable ie Total Claims of less than Rs.250 per Farmer shall not be paid. not shall Farmer per Rs.250 than of less Claims Total ie be applicable shall of Rs.250 Franchise Note: INDEX INDEX DRY SPELL DRY DEFICIT RAINFALL DISEASE CONGENIAL CLIMATE CONGENIAL DISEASE Kerala 1 Arecanut Note : A day is defined as a dry day if the rainfall of the day is < is day of the rainfall if the day as a dry defined is day Note : A Crop: State: 1. 3. 2. 80 mm 50 HECTARE Unit: % , daily% rainfall > 90 As per Notification 30 10000 As per Notification 6 25 5000 30/Nov/15 31/May/16 25000 TERM SHEET TERM 10000 4 25 20 to to to 110 8000 2500 94.12 25000 10000 16-Apr 31-May Phase-II mm 31/May/16 10000 0 2 15 15 to 2.5 2000 1000 2500 1-Mar 15-Apr 133.33 Phase-I WEATHER BASED CROP INSURANCE SCHEME (Kharif 2015) (Kharif SCHEME CROP INSURANCE BASED WEATHER Aggregate of rainfall over respective Phases respective over rainfall of Aggregate days dry consecutive of a spell in days of Number > RH maximum daily having days consecutive of Number Kannur,Kozhikode 1/Mar/16 7/Jul/15 15/Apr/16 45000 4005 8.90% Back Up Weather Station: Weather Up Back District: Phase INDEX Reference Unit Area & Reference Weather Station: Weather Reference & Area Unit Reference INDEX PERIOD PERIOD MAXIMUM PAYOUT (Rs.) STRIKE (mm) < EXIT PAYOUT RATE (Rs./mm) TOTAL MAXIMUM PAYOUT (Rs.) PERIOD STRIKE >= (cons. day) MAXIMUM PAYOUT (Rs.) STRIKE >= (cons. day) PAYOUT (Rs.) PAYOUT PAYOUT (Rs.) PAYOUT MAXIMUM PAYOUT (Rs.) SUM INSURED (Rs.) PREMIUM (Rs.) PREMIUM % Note: Franchise of Rs.250 shall be applicable ie Total Claims of less than Rs.250 per Farmer shall not be paid. not shall Farmer per Rs.250 than of less Claims Total ie be applicable shall of Rs.250 Franchise Note: INDEX Agriculture Insurance Company of India Ltd Annexure WB-V (6) DRY SPELL DRY DEFICIT RAINFALL DISEASE CONGENIAL CLIMATE CONGENIAL DISEASE Kerala 2 Arecanut Note : A day is defined as a dry day if the rainfall of the day is < is day of the rainfall if the day as a dry defined is day Note : A Crop: State: 1. 3. 2. 81 mm and daily Mean daily and mm 30 HECTARE Unit: % , daily% rainfall > 90 As per Notification As per Notification 20 20 to 125 250 2500 1-Apr 15000 30-Apr Phase-IV C ° 5 6 24 15 25 to 100 200 30/Apr/16 7500 2500 30/Sep/15 1-Mar 31/Aug/15 10000 10000 31-Mar Phase-III mm mm 30/Apr/16 TERM SHEET TERM 10000 15000 5 4 5 10 50 to to to to to 2.5 100 150 3750 5000 5000 2500 1-Feb 10000 10000 29-Feb Phase-II 7 3 4 50 to 100 150 1500 2000 2000 2500 1-Jan 31-Jan WEATHER BASED CROP INSURANCE SCHEME (Kharif 2015) (Kharif SCHEME INSURANCE CROP BASED WEATHER Phase-I Number of days in a spell of consecutive dry days dry consecutive of a spell in days of Number Phases respective over rainfall of Aggregate days wet consecutive of a spell in days of Number > RH Maximum daily having days consecutive of Number < Temperature 7/Jul/15 1/Jan/16 7/Jul/15 45000 4185 Idukki,Wayanad,Kozhikode,Kasargode,Malappuram,Palakkad,Kollam & Kottayam. & Idukki,Wayanad,Kozhikode,Kasargode,Malappuram,Palakkad,Kollam 1/Mar/16 9.30% Back Up Weather Station: Weather Up Back District: Reference Unit Area & Reference Weather Station: Weather Reference & Area Unit Reference Phase INDEX PERIOD PERIOD PERIOD STRIKE >= (cons. day) STRIKE (mm) > STRIKE >= (cons. day) STRIKE >= (cons. day) be paid. not shall Farmer per Rs.250 than of less Claims Total ie be applicable shall of Rs.250 Franchise Note: MAXIMUM PAYOUT (Rs.) MAXIMUM PAYOUT (Rs.) SUM INSURED (Rs.) PREMIUM (Rs.) PREMIUM % INDEX INDEX MAXIMUM PAYOUT (Rs.) PAYOUT (Rs.) PAYOUT PAYOUT (Rs.) PAYOUT (Rs.) PAYOUT EXIT EXIT INDEX TOTAL MAXIMUM PAYOUT (Rs.) PERIOD PAYOUT RATE (Rs./mm) MAXIMUM PAYOUT (Rs.) Agriculture Insurance Company of India Ltd Annexure WB-V (7 ) RAINFALL DRY SPELL DRY WET SPELL WET EXCESS /UNSEASONAL /UNSEASONAL EXCESS DISEASE CONGENIAL CLIMATE CONGENIAL DISEASE Kerala Note : A day is defined as a dry day if the rainfall of the day is < is day of the rainfall if the day as a dry defined is day Note : A Note : A day is defined as a wet day if the rainfall of the day is > is day of the rainfall if the as a wet day defined is day Note : A Pepper Crop: State: 1. 2. 4. 3. 82 mm and daily Mean daily and mm 30 HECTARE Unit: % , daily% rainfall > 90 As per Notification As per Notification 20 20 to 125 250 2500 1-Apr 15000 30-Apr Phase-IV C ° 5 6 24 15 25 to 100 200 30/Apr/16 7500 2500 30/Sep/15 1-Mar 31/Aug/15 10000 10000 31-Mar Phase-III mm mm 30/Apr/16 TERM SHEET TERM 10000 15000 5 4 5 10 50 to to to to to 2.5 100 150 3750 5000 5000 2500 1-Feb 10000 10000 29-Feb Phase-II 7 3 4 50 to 100 150 1500 2000 2000 2500 1-Jan 31-Jan WEATHER BASED CROP INSURANCE SCHEME (Kharif 2015) (Kharif SCHEME INSURANCE CROP BASED WEATHER Phase-I Number of days in a spell of consecutive dry days dry consecutive of a spell in days of Number Phases respective over rainfall of Aggregate days wet consecutive of a spell in days of Number > RH Maximum daily having days consecutive of Number < Temperature 7/Jul/15 1/Jan/16 7/Jul/15 45000 4005 Kannur 1/Mar/16 8.90% Back Up Weather Station: Weather Up Back District: Reference Unit Area & Reference Weather Station: Weather Reference & Area Unit Reference Phase INDEX PERIOD PERIOD PERIOD STRIKE >= (cons. day) STRIKE (mm) > STRIKE >= (cons. day) MAXIMUM PAYOUT (Rs.) STRIKE >= (cons. day) MAXIMUM PAYOUT (Rs.) SUM INSURED (Rs.) PREMIUM (Rs.) PREMIUM % Note: Franchise of Rs.250 shall be applicable ie Total Claims of less than Rs.250 per Farmer shall not be paid. not shall Farmer per Rs.250 than of less Claims Total ie be applicable shall of Rs.250 Franchise Note: INDEX INDEX MAXIMUM PAYOUT (Rs.) PAYOUT (Rs.) PAYOUT PAYOUT (Rs.) PAYOUT (Rs.) PAYOUT EXIT EXIT PAYOUT RATE (Rs./mm) MAXIMUM PAYOUT (Rs.) TOTAL MAXIMUM PAYOUT (Rs.) PERIOD INDEX Agriculture Insurance Company of India Ltd Annexure WB-V (8) RAINFALL DRY SPELL DRY WET SPELL WET EXCESS /UNSEASONAL /UNSEASONAL EXCESS DISEASE CONGENIAL CLIMATE CONGENIAL DISEASE Kerala Note : A day is defined as a dry day if the rainfall of the day is < is day of the rainfall if the day as a dry defined is day Note : A Note : A day is defined as a wet day if the rainfall of the day is > is day of the rainfall if the as a wet day defined is day Note : A Pepper Crop: State: 1. 2. 4. 3.

83 HECTARE Unit: As per Notification per As Notification per As 5 50 to 200 66.67 40000 10000 11-Oct 30-Nov 28/Feb/16 28/Feb/16 30/Nov/15 4 50 to TERM SHEET 225 57.14 1-Sep 30000 10000 10-Oct mm 10000 40000 5 3 3 3 75 to to to to to 275 50.00 1-Dec 1-Aug 15000 10000 50000 50000 28-Feb 31-Aug Phase-II WEATHER BASEDWEATHER INSURANCE CROP SCHEME 2015) (Kharif 50000 3 2 6 50 to to 200 5000 9375 7-Jul 66.67 10000 37500 31-Jul 16-Sep 30-Nov Phase-I Back Up Weather Station: Weather Up Back Aggregate of rainfall respective Phases over days dailyHighest with of consecutive RF respective >25mm phases in Number of wet days days a spell of in consecutive Idukki,Wayanad,Palakkad 100000 9300 7/Jul/15 9.30% 1/Dec/15 16/Sep/15 Reference Unit Area & Reference Weather Station: Weather Reference Area & Unit Reference District: Phase Phases Agriculture Insurance Companyof India Ltd Annexure WB-V ( 9 ) INDEX INDEX STRIKE (mm) < >= day) STRIKE (cons. >= day) STRIKE (cons. SUM INSURED (Rs.) PREMIUM (Rs.) PREMIUM % FranchiseNote: of Rs.250 shall be applicable ie Total Claims of shall less Farmer be paid. not Rs.250 than per PERIOD INDEX EXIT EXIT PAYOUT (Rs.) PAYOUT RATE (Rs./mm) MAXIMUM PAYOUT (Rs.) MAXIMUM PAYOUT (Rs.) PERIOD RATE (Rs./day) PAYOUT (Rs.) MAXIMUM PAYOUT (Rs.) TOTAL MAXIMUM PAYOUT (Rs.) PERIOD WET SPELL WET EXCESS RAINFALL DEFICIT RAINFALL Note : day is defined A as a wet day if the rainfall of the day is > Ginger Kerala Crop: State: 1. 3. 2. 84 HECTARE Unit: 40 to 200 3000 18.75 1-Mar 31-May Phase-VI 40 to 200 3000 18.75 26-Oct 28-Feb Phase-V As per Notification As per Notification 40 to 120 37.5 3000 6-Oct 25-Oct Phase-IV 20000 50 35 to 150 3500 15/May/16 5-Oct 1-Sep Phase-III 31/May/16 TERM SHEET TERM 50 20 to to to 225 3500 1-Aug 31-Aug Phase-II 10000 50 50 20 to to 250 350 550 4000 7-Jul 1-Mar 10000 31-Jul Phase-I 15-May WEATHER BASED CROP INSURANCE SCHEME (Kharif 2015) Aggregate of rainfall over respective Phases respective over rainfall of Aggregate Phases respective over rainfall of Aggregate Idukki Palakkad & 7/Jul/15 30000 2670 1/Mar/16 8.90% Back Up Back Weather Station: District: Reference Unit Reference Area & Weather Station: Phase Phase PERIOD TOTAL MAXIMUM PAYOUT (Rs.) SUM INSURED (Rs.) PREMIUM (Rs.) PREMIUM % MAXIMUM PAYOUT (Rs.) EXIT EXIT PAYOUT RATE (Rs./mm) STRIKE (mm) < STRIKE (mm) > Note: of Franchise less Total Claims of than ie Rs.250 Rs.250 not be applicable shall be paid. Farmer shall per INDEX MAXIMUM PAYOUT (Rs.) TOTAL MAXIMUM PAYOUT (Rs.) PERIOD INDEX EXIT EXIT PAYOUT RATE (Rs./mm) Agriculture Insurance Company of India Ltd Annexure WB-V ( 10 ) RAINFALL DEFICIT RAINFALL EXCESS /UNSEASONAL /UNSEASONAL EXCESS Sugarcane Kerala Crop: State: 1. 2. 85 HECTARE Unit: As per Notification As per Notification 5 50 to 200 66.67 10000 20000 11-Oct 30-Nov 28/Feb/16 28/Feb/16 4 30/Nov/15 TERM SHEET 50 to 225 57.14 1-Sep 10000 12000 10-Oct mm 10000 20000 5 3 3 3 75 to to to to to 275 6000 50.00 1-Dec 10000 30000 30000 1-Aug 28-Feb 31-Aug Phase-II WEATHER CROP BASED INSURANCE SCHEME (Kharif 2015) 30000 3 6 2 50 to to 200 3750 2000 7-Jul 66.67 10000 15000 31-Jul 16-Sep 30-Nov Phase-I Back Up Weather Station: Aggregate of rainfall over respective Phases respective over of rainfall Aggregate phases respective in >30mm RF daily with days of consecutive Highest wet days a spell of consecutive in of days Number 16/Sep/15 Idukki,Wayanad,Kozhikode,,Malappuram,Palakkad,Kollam & Ernakulam & Idukki,Wayanad,Kozhikode,,Malappuram,Palakkad,Kollam 9.30% 1/Dec/15 60000 5580 7/Jul/15 Reference Unit & Reference Weather Area Station: District: Phase Phases Agriculture Insurance Company of India Ltd Annexure Agriculture Insurance Ltd India Company of WB-V ( 11 ) INDEX PAYOUT RATE (Rs./mm) EXIT PAYOUT (Rs.) MAXIMUM TOTAL PAYOUT (Rs.) MAXIMUM PERIOD MAXIMUM PAYOUT (Rs.) MAXIMUM INDEX INDEX PERIOD STRIKE (mm) < STRIKE (cons. day) >= PAYOUT (Rs.) PAYOUT (Rs.) MAXIMUM STRIKE (cons. day) >= Note: Franchise of Rs.250 shall be applicable ie Total Claims of than less Rs.250 per Farmer shall not be paid. EXIT RATE (Rs./day) PAYOUT (Rs.) SUM INSURED (Rs.) (Rs.) PREMIUM % PREMIUM PERIOD WET SPELL EXCESS RAINFALL EXCESS DEFICIT RAINFALL DEFICIT Note : A day is defined as a wet day if the rainfall of the day is > is day the of rainfall the if day a wet as defined is day : A Note Turmeric Kerala Crop: State: 2. 3. 1.

86 mm 30 HECTARE Unit: % , daily rainfall% > 90 As per Notification As per Notification 35 20000 30 25 10 7000 31/May/16 15000 13000 mm mm 31/May/16 30/Nov/15 TERM SHEET TERM 20000 5 9 25 20 to to to 2.5 7000 3000 4000 13000 12000 8 20 15 8000 1000 2000 WEATHER BASED CROP INSURANCE SCHEME (Kharif 2015) Number of days in a spell of consecutive dry days Number dry aof of spell in consecutive days 32 °C > Temperature Maximum Daily and mm 2.5 < Rainfall with Days Consecutive RH > maximum daily Number having days of consecutive Idukki, Wayanad and Palakkad 40000 3720 15/Apr/16 15/Apr/16 7/Jul/15 9.30% Back Up Back Weather Station: District: Reference Unit Reference Area & Weather Station: INDEX MAXIMUM PAYOUT (Rs.) PAYOUT (Rs.) PAYOUT (Rs.) MAXIMUM PAYOUT (Rs.) INDEX STRIKE (cons. day) >= STRIKE (cons. day) >= STRIKE (cons. day) >= PAYOUT (Rs.) MAXIMUM PAYOUT (Rs.) SUM INSURED (Rs.) PREMIUM (Rs.) PREMIUM % Note: of Franchise less Total Claims of than ie Rs.250 Rs.250 not be applicable shall be paid. Farmer shall per INDEX PERIOD PERIOD PERIOD Agriculture Insurance Company Ltd Annexure of India WB-V ( 12 ) DRY SPELL DRY PEST CONGENIAL CLIMATE DISEASE CONGENIAL CLIMATE Note : A day is defined as a wet day if the rainfall of the day is > day of the rainfall if the wet a as is defined day day A : Note Note : A day is defined as a dry day if the rainfall of the day is < is day of the if the rainfall day dry a as is defined day A : Note CARADAMOM Kerala Crop: State: 1. 2. 3. 87

HECTARE

Unit:

mm in respective phases respective in mm

Asper Notification

15000

30/Nov/15

31/May/16

TERMSHEET

12000

Phase-III

15000

2.5

6000

WEATHERCROP BASED SCHEME INSURANCE (Kharif 2015)

15000

5000

4000

15000

Back Up Back Weather Station:

8.90%

2670

30000

Highest of consecutive days with daily RF > RF daily with days of consecutive Highest

16/Sep/15

Number of days in a spell of consecutive dry days dry of spell a consecutive in of days Number

15/Mar/16

Idukki,Kottayam &Ernakulam

District:

ReferenceUnit Reference & Weather Station: Area

Agriculture Insurance Company of India Ltd Annexure WB-V Ltd ) (13 India of Insurance Company Agriculture

Note:Franchise of shall Rs.250 applicable be ie Total Claims of than per Farmerless Rs.250 shall not paid. be

PREMIUM % PREMIUM

PREMIUM (Rs.) PREMIUM

SUMINSURED (Rs.)

MAXIMUM PAYOUT (Rs.) PAYOUT MAXIMUM

PAYOUT(Rs.)

RATE(Rs./day)

EXIT

STRIKE(cons. day) >=

INDEX

PERIOD

MAXIMUM PAYOUT (Rs.) PAYOUT MAXIMUM

PAYOUT(Rs.)

STRIKE(cons. day) >=

INDEX

PERIOD

DRY SPELL DRY

EXCESS RAINFALL EXCESS

Note : A day is defined as a dry day if the rainfall of the day is < is the day of the rainfall if day a as defined dry is day : A Note

Pineapple

Kerala

Crop:

State:

2. 1. 88 HECTARE Unit: As per Notification per As Notification per As TERM SHEET 31/Mar/16 31/Dec/15 60 55 25000 50000 3 55 50 to to to 31/Mar/16 25000 50000 1-Jan 15000 30000 25000 31-Mar Phase-II WEATHER BASEDWEATHER INSURANCE CROP SCHEME 2015) (Kharif 25000 Highest of Days Cons Daily with RF> respective phases 30mm in 15/Sep/15 3 45 40 to 7500 15000 15000 15-Sep 31-Dec Phase-I Back Up Weather Station: Weather Up Back High wind speed High wind speed High wind Idukki,Wayanad,Kannur,Kozhikode, Malappuram,Palakkad,Kollam, Kottayam, Thiruvananthapuram,Thrissur ,Ernakulam & Kasargode & ,Ernakulam Thiruvananthapuram,Thrissur Kottayam, Malappuram,Palakkad,Kollam, Idukki,Wayanad,Kannur,Kozhikode, 1/Oct/15 9.30% 1/Jan/16 100000 9300 District: Reference Unit Area & Reference Weather Station: Weather Reference Area & Unit Reference Phase Agriculture Insurance Companyof IndiaLtd Annexure WB-V (14) INDEX PERIOD STRIKE >= (Km/Hr) STRIKE >= (Km/Hr) FranchiseNote: of Rs.250 shall be applicable ie Total Claims of shall less Farmer be paid. not Rs.250 than per PERIOD INDEX >= day) STRIKE (cons. PAYOUT (Rs.) PAYOUT (Rs.) PAYOUT (Rs.) MAXIMUM PAYOUT (Rs.) PERIOD MAXIMUM PAYOUT (Rs.) SUM INSURED (Rs.) PREMIUM (Rs.) PREMIUM % INDEX MAXIMUM PAYOUT (Rs.) WIND SPEED WIND SPEED WIND EXCESS RAINFALL Note: Maximum of payout of Phase-I, Phase-II and Phase III under excess rainfall will cover be payable. BANANA Kerala Crop: State: 1 2.A 2.B 89 mm and daily Mean daily and mm 30 HECTARE Unit: mm in respective phases respective in mm > rainfall , daily % 30 90 4 5000 31/Dec/15 3 5000 to 2000 As per Notification 4 8 2 20 to 2000 1000 1-Apr 10000 10000 31-May Phase-IV C ° As per Notification 1/Oct/15 TERM SHEET 2 5 5 24 60 55 15 to 5000 5000 1250 5000 1-Jan 31/Aug/15 31/Aug/15 31/May/16 10000 10000 30/Aug/15 31/May/16 31-Mar Phase-III mm 10000 10000 4 7 4 5000 55 50 10 to to to to to to 2.5 10000 10000 5000 5000 5000 2500 1250 2000 1-Sep 31-Dec Phase-II WEATHER CROP BASED INSURANCE SCHEME (Kharif 2015) 7 6 3 45 40 15 to 2500 2500 1000 1000 1000 7-Jul 10000 Phase-I 31-Aug Number of days in a spell of consecutive dry days dry a spell of consecutive in of days Number > rainfall daily with days Longest spell of consecutive > RH Maximum daily having days of consecutive Number < Temperature speed wind High speed wind High Ernakulam,Thrissur 9.30% 7/Jul/15 7/Jul/15 7/Jul/15 7/Jul/15 1/Apr/16 50000 4650 Back Up Weather Station: District: Phase INDEX Reference Unit & Reference Area Weather Station: MAXIMUM PAYOUT (Rs.) MAXIMUM PERIOD PAYOUT (Rs.) PAYOUT (Rs.) STRIKE (cons. day) >= STRIKE (cons. day) >= PAYOUT (Rs.) STRIKE (cons. day) >= STRIKE (km/h) >= STRIKE (km/h) >= PAYOUT (Rs.) EXIT PAYOUT RATE (Rs./cons. day) PAYOUT (Rs.) INDEX PERIOD INDEX INDEX PERIOD MAXIMUM PAYOUT (Rs.) MAXIMUM PERIOD MAXIMUM PAYOUT (Rs.) MAXIMUM PERIOD PAYOUT (Rs.) MAXIMUM SUM INSURED (Rs.) (Rs.) PREMIUM % PREMIUM MAXIMUM PAYOUT (Rs.) MAXIMUM INDEX DRY SPELL DRY WIND SPEED WIND SPEED WIND EXCESS RAINFALL EXCESS DISEASE CONGENIAL CLIMATE CONGENIAL DISEASE Note : A day is defined as a dry day if the rainfall of the day is < the of day is the rainfall defined as a day if dry is day : A Note Nutmeg Kerala Note: Franchise of Rs.250 shall be applicable ie Total Claims of than less Rs.250 per Farmer shall not be paid. Crop: State: 1. 2. 3. 4.A. 4.B.

Agriculture Insurance Company of India Ltd Annexure Agriculture Insurance Ltd India Company of WB-V (15)

90 875 350 875 350 875 875 350 864 864 864 864 576 768 576 960 350 2160 4800 2160 2160 1440 1152 1920 1440 1920 4800 2160 1920 2880 2400 net (Rs) share of Farmer's premium 952 896 896 810 738 810 738 492 720 492 900 896 2025 2380 4500 1845 1845 1080 1800 1230 1800 4500 2240 2240 2240 2025 1800 1230 2700 2250 (Rs.) Total Annexure WB VI WB Annexure Subsidy Premium 665 609 609 405 923 369 405 923 369 246 540 900 360 615 246 900 450 609 900 615 1013 1593 2250 2250 1523 1523 1523 1013 1350 1125 (Rs) GOK Subsidy share of Premium 788 923 369 287 718 287 718 287 718 287 405 923 369 405 900 615 246 540 900 360 615 246 900 450 1013 2250 2250 1013 1350 1125 of (Rs) Subsidy Premium GOI share 3255 4185 4005 1602 9300 9300 1302 3115 1246 3115 1246 3115 1246 1674 4005 1602 4185 1674 3720 2670 1068 5580 2232 3720 1488 2670 1068 3720 4650 1860 (Rs) Total Premium 35000 14000 35000 14000 35000 14000 35000 14000 45000 18000 45000 18000 45000 18000 45000 18000 40000 30000 12000 60000 24000 40000 16000 30000 12000 40000 50000 20000 (Rs) Sum 100000 100000 Insured Insured Unit (Acre/Ha) per Hectre per Acre per Hectre per Acre per Hectre per Acre per Hectre per Acre per Hectre per Acre per Hectre per Acre per Hectre per Acre per Hectre per Acre per Hectre per Acre per Hectre per Acre per Hectre per Acre per Hectre per Acre per Hectre per Acre per Hectre per Acre per Hectre per Acre 8.90 9.30 8.90 8.90 8.90 8.90 9.30 9.30 8.90 9.30 9.30 8.90 9.30 9.30 9.30 Loan of Sumof amount rate in % Premium Insured or Regional Office,Thiruvananthapuram Agriculture Insurance Company of India of Company Insurance Agriculture Kannur Kottayam Kasargod Kozhikode Idukki & Palakkad Idukki & Wayanad Districts Covered Palakkad & Kannur Kannur & Kozhikode & Kannur Thrissur & Eranakulam Idukki, Wayanad & Palakkad Idukki, Wayanad & Palakkad Idukki, Kottayam & Eranakulam Crop-Wise District wise Sum Insured, Total Premium, Govt. Subsidy & Farmers Net Premium & Farmers Premium, Subsidy Net Total Sum Insured, Govt. wise District Crop-Wise Kasargod, Malappuram, Thrissur, Wayanad & Palakkad Palakkad, Malappuram, Kozhikode Kannur, Wayanad & Kasargod Thiruvananthapuram, Kollam, Eranakulam, Thrissur, Malappuram & & Thrissur, Malappuram Eranakulam, Kollam, Thiruvananthapuram, Thiruvananthapuram, Kollam, Kottayam, Idukki, Eranakulam, Thrissur, Idukki, Wayanad, Palakkad, Kasargod, Kozhikode,Malappuram,Kollam,& Kozhikode, Malappuram, Kollam, Eranakulam, Idukki, Wayanad & Palakkad Crop Ginger Pepper Pepper Banana Plains 2 Plains Plains 1 Plains 3 Nutmeg Turmeric Pineapple Highrange Sugarcane Arecanut 1 Arecanut 2 Cardomom Paddy (autumn) Paddy (autumn) Paddy (autumn) Paddy (autumn) 1 3 4 5 6 7 9 2 8 10 12 13 14 15 11 Sl No Season : WBCIS Kharif 2015 Kharif WBCIS : Season SLCCCI decided as by Subsidy of Share State additional providing by Rate) Flat erstwhile NAIS ( of insured sum 2.5% of at retained is Premium the Farmer’s Crop Paddy For 91 Annexure -WB-VII Weather Based Crop Insurance Scheme (WBCIS) Declaration Form Loanee ( L)

FROM: TO:

(Address of Nodal Bank with Contact Phone Number) Agriculture Insurance Company of India Limited, Regional Office(Kerala), 8th floor, Carmel Towers,Cotton Hill PO, Vazhuthacaud, Thiruvananthapuram-695 014. Phone : 0471–2334493,2334989 Fax : 0471-2334989

1. Under the provisions of the Weather Based Crop Insurance Scheme (WBCIS), we hereby declare the aggregate Sum Insured with respect to the Non Loanee Cultivators under the jurisdiction of our Nodal Bank who submitted the insurance proposals for the Season Kharif 2015 Season within the cut-off date, as per the schedule below. 2. It is certified on behalf of this office and the bank branches/PACS under our jurisdiction, that i) All the eligible Insurance Proposals submitted for coverage by the Non Loanee Cultivators under Weather Based Crop Insurance Scheme (WBCIS) are included in the Declaration, and ii) All guidelines with regard to coverage under Weather Based Crop Insurance Scheme (WBCIS) issued by the Government of India / State Government / Agriculture Insurance Company of India Ltd.( AIC) which are in force have been followed.

Dated at ______this ______day of ______

Name of the Nodal Bank’s Authorized Signatory : Designation : Signature and Seal of Authorized Nodal Bank Official SCHEDULE

Declaration No. allotted by Bank: Gender : Male / Female Category : SC / ST / OTHERS

State: ______Season: Kharif 2015 Year: 2015 Crop:______

District:______Reference Unit Area: ______Reference Weather Station: ______(As per Notification Only) (As per Notification Only)

Sum Insured for insured Crop per Hactre: ------( As per Notification ) Net Premium Rate: ------(2.5% for Paddy & 4.8% for (Pls Take 1 ha as 2.5 Acres) other Crops) Net Premium Category of Cultivators No. of Cultivators Declared Sown Sum Insured (Rs.) Area (Ha) ( Rs.) ( 2 .5 %OR Premium Remitted (S.I per Ha X 4.8% X Sum (Rs.) Area in Ha) Insured)

Small / Marginal Farmers

Other Farmers

TOTAL

DD / Cheque No:______DD / Cheque Date: ______DD / Cheque Amount:______

------TO BE COMPLETED BY AGRICULTURE INSURANCE COMPANY OF INDIA LTD. (AIC) ------

CERTIFICATE NUMBER

RECEIPT NO. DATE RECEIVED

NOTE: 1) All code boxes shall be filled up by AIC; 2) Guidelines for filling up Declarations are given overleaf 92 Guidelines for Filling up Weather Based Crop Insurance Scheme - Declaration Form (Non Loanee)

1. This Declaration format should be used ONLY with respect to Non Loanee cultivators who submitted Insurance Proposals with requisite details and premium amount within the cut-off date. Separate Declarations must be filled in for each crop and each reference area.

2. Only One copy of the Declaration need be submitted to AIC. Banks should retain an office copy for their record and future reference. The Declaration should be accompanied by a consolidated statement with the details of all Non-Loanee cultivators insured under the Declaration. The details include name of cultivator, village, survey number, acreage insured, sum insured, premium paid, Bank A/c particulars, etc.

3. Complete address of Nodal Bank along with the contact telephone number must be given to facilitate further communication, if required.

4. All Code particulars (boxes) shall be filled up by AIC.

5. Care should be taken to declare the Total Sum Insured for a Cultivator strictly based on acreage proposed in the Insurance Proposal Form for a particular crop as per the pre-declared sum insured per Acre. There should be strict compliance with all stipulations/guidelines of the Weather Based Crop Insurance Scheme (WBCIS).

6. In a particular season the Nodal Bank has to submit only one Declaration for a particular Crop and Reference Unit Area to AIC with requisite Premium within 31st August from the cut-off date for availing the insurance under Weather Based Crop Insurance Scheme (WBCIS).

7. There should be no duplication in insurance coverage of any cultivator vis-à-vis National Agricultural Insurance Scheme (MNAIS) or Weather based Crop Insurance schemes of other insurance companies, either by the same bank with other banks /financial institutions for the mentioned crop and insured plot.

8. Whenever any clarification in respect of any discrepancy in the Declarations submitted by Bank is sought for by the AIC, the same must be clarified within one week of AIC’s letter. No clarification will be entertained by AIC thereafter. The claims liability, if any on such delayed clarification will rests with the concerned Bank. 9. Specific guidelines for filling in the Schedule : (i) Care should be taken to specify the Correct SEASON, CROP & REFERENCE UNIT AREA in each Declaration. Increase in sum insured (or increase in the payout amount) following any Changes / Corrections will not be entertained by AIC after the stipulated period. (ii) Care should also be taken to declare correct AREA and SUM INSURED. Increase in Sum Insured / Payout following any Changes / Corrections will not be entertained by AIC after the stipulated period. (iii) Sum insured to be covered under Weather Based Crop Insurance Scheme (WBCIS) must be declared separately for “Small/Marginal Cultivators” and “Other Cultivators”. The categorization of Small/Marginal Cultivators should be done by considering total farmland ownership up to 2 Hectares (~5 Acres). (iv) Total Sum Insured should be arrived at for each cultivator by multiplying Area proposed for insurance (Hactres) in the proposal form with the pre-declared ‘Sum Insured per acre’ applicable for the crop, and as per the Guidelines of the WBCIS. (v) The bank branches/PACS shall process and verify the details of crops grown and acreage operated, if and wherever required. For any further clarifications please feel free to contact us at Agriculture Insurance Company of India, Regional Office(Kerala), 8th floor, Carmel Towers,Cotton Hill PO, Vazhuthacaud, Thiruvananthapuram-695 014. Phone: 04712334493, 2334989 Fax : 0471-2334989 93 Remitted(Rs) Total Premium Total Annexure- WB-VIII Annexure- Branch Manager/Secretary Seal & Signature of Nodal Bank Official & Signature Seal Farmers Col.12=Col.11x Premium Rate Col.12=Col.11x Premium @ 2.5% for Paddy Paddy for 2.5% @ Premium & 4.8% for Other Crops (Rs) Crops Other for 4.8% & Season : Kharif 2015 Kharif : Season Total Sum Insured(Rs) Col.11=Col.8xCol.9 Col.10 Survey / Land Land / Survey Identification no. Identification Col.9 Pre Defined Pre Defined Notification) Sum Insured/Sum Hactre(As per per Hactre(As Reference Unit Area(As per Notification) : Notification) per Area(As Unit Reference : Notification) per Staton(As Weather Reference Col.8 in Ha as as Ha in per Loan Loan per Crop Area Area Crop Application Col.7 A/c Number Listing Sheet Format Col.6 others Small & & Small Marginal / / Marginal Col.5 SC ST / Others Register/Statement Showing of WBCIS Details under Crop Insurance Register/Statement National (NCIP) - Crop Weather Insurance Programme Based Crop(WBCIS) Insurance Scheme Col.4 Male / Female / Male Month of Loaning : TOTAL Col.3 cultivated Panchayat/ Panchayat/ Muncipality Muncipality where Crop is is Crop where Col.2 Name of Farmer of Name Sl No Col.1 This Listing Sheet pertains to our Declaration No ______which covers a total of _____ no of farmers in it. of farmers of _____ no total a covers ______which No Declaration our to pertains Sheet This Listing Name of the PACS/Lending Branch : Crop: NB : 1. Applicable Farmer's Premium for all crops EXCEPT PADDY is 4.8 % of Total Sum Insured .For Paddy it is 2.5% 2. Listing Sheet should be prepared Crop-wise & Reference Unit Area-wise 94 Annexure -WB-IX Weather Based Crop Insurance Scheme (WBCIS) Declaration Form Non Loanee ( NL)

FROM: TO:

(Address of Nodal Bank with Contact Phone Number) Agriculture Insurance Company of India Limited, Regional Office(Kerala), 8th floor, Carmel Towers, Cotton Hill PO, Vazhuthacaud, Thiruvananthapuram-695 014. Phone : 0471–2334493,2334989 Fax : 0471-2334989

Dated at ______this ______day of ______

Name of the Nodal Bank’s Authorized Signatory : Designation : Signature and Seal of Authorized Nodal Bank Official SCHEDULE

Declaration No. allotted by Bank: Gender : Male / Female Category : SC / ST / OTHERS

State: ______Season: Kharif 2015 Year: 2015 Crop:______

District:______Reference Unit Area: ______Reference Weather Station: ______(As per Notification Only) (As per Notification Only)

Sum Insured for insured Crop per Hactre: ------(As per Notification) Net Premium Rate: ------(2.5% for Paddy & 4.86% for (Pls Take 1 ha as 2.5 Acres) other Crops) Net Premium Category of Cultivators No. of Cultivators Declared Sown Sum Insured (Rs.) Area (Ha) ( Rs.) ( 2 .5 %OR Premium Remitted (S.I per Ha X 4.8% X Sum (Rs.) Area in Ha) Insured)

Small / Marginal Farmers

Other Farmers

TOTAL

DD / Cheque No:______DD / Cheque Date: ______DD / Cheque Amount:______

------TO BE COMPLETED BY AGRICULTURE INSURANCE COMPANY OF INDIA LTD. (AIC) ------

CERTIFICATE NUMBER

RECEIPT NO. DATE RECEIVED

NOTE: 1) All code boxes shall be filled up by AIC; 2) Guidelines for filling up Declarations are given overleaf 95 Guidelines for Filling up Weather Based Crop Insurance Scheme - Declaration Form (Non Loanee)

3. Complete address of Nodal Bank along with the contact telephone number must be given to facilitate further communication, if required.

4. All Code particulars (boxes) shall be filled up by AIC.

6. In a particular season the Nodal Bank has to submit only one Declaration for a particular Crop and Reference Unit Area to AIC with requisite Premium within 31st July from the cut-off date for availing the insurance under Weather Based Crop Insurance Scheme (WBCIS).

7. There should be no duplication in insurance coverage of any cultivator vis-à-vis Modified National Agricultural Insurance Scheme (MNAIS) or Weather based Crop Insurance schemes of other insurance companies, either by the same bank with other banks /financial institutions for the mentioned crop and insured plot.

Imemhÿm[njvTnX hnf C≥jpd≥kv ]≤Xn (WBCIS) hmbv] FSp°mØ I¿jI¿°p≈ C≥jpd≥kv s{]mt∏mk¬ t^mdw kok¨ & h¿jw : ...... 20 ... ..

1. I¿jI hnhcßƒ F. Xm¶ƒ AIC˛bpsS Hcp cPnkvt‰¿Uv I¿jI\mtWm BWv / A√ (cPnkvt‰¿Uv I¿jI≥ BsW¶n¬ I¿jI cPnkvt{Sj≥{]Imcw \¬Inbn´p≈ sF.Un.\º¿ IqSn ]qcn∏n°pI. cPnkv‰¿ sNbvXn´n√ F¶n¬, I¿jI cPnkvt{Sj≥ t^mdw (adp]pdw)IqSn ]qcn∏n°pI)

_n. I¿jIs‚ t]cv: {io/ {ioaXn kn. ID No.

2. hn⁄m]nX hnf / {]tZiw kw_‘n® hnhcßƒ hnfbpsS t]cv ...... (Hmtcm hnfbv°pw shtΔsd s{]mt∏mk¬ t^mdw ka¿∏n°Ww) C≥jp¿ sNøp∂ IrjnÿeØns‚ hnhcßƒ (Hmtcm hn⁄m]nX {]tZiØn\pw shtΔsd s{]mt∏mk¬ t^mdw ka¿∏n°Ww) kwÿm\w Pn√ Xmeq°v tªm°v ]©mbØv/ap\n./tIm¿]tdj≥*

*C≥jp¿ sNøp∂ Irjnÿew Dƒs∏Sp∂ ]©mbØv / ap\n./ tIm¿∏tdj≥, ]≤Xnbn≥Iogn¬ Kh¨sa‚v hn⁄m]nX {]tZiamsW∂v Dd∏v hcpØpI. 3. C≥jp¿ sNøm≥ Dt±in°p∂ IrjnbnSw kw_‘amb hnhcßƒ ]©mbØv/ap\n./tIm¿]tdj≥ k¿tΔ \w DSaÿmhImiw \So¬ XobXn C≥jp¿ sNøp∂ IrjnbnSØns‚ kz¥w/]m´w hnkvXo¿Æw (slIvSdn¬)

4. hn⁄m]nX{]tZiw (Reference Unit Area- RUA) & kqN\mImemhÿm\nebw (Reference Weather station-RWS) hn⁄m]nX {]tZiw ...... (]©mbØv/ap\n./tIm¿∏tdj≥) hn⁄m]\{]Imcap≈ kqN\m ImemhÿtI{μw (RWS) ...... hn⁄m]\{]Imcap≈ _m°vA∏v ImemhÿmtI{μw (BWS) ...... {]kvXmh\: Imemhÿm[njvTnX hnf C≥jpd≥kv ]≤Xn{]Imcw I¿jI cPnkvt{Sjv≥ t^mdw Dƒs∏sSbp≈ ]≤XnbpsS F√m \n-_‘\Ifpw F\n°v a\ nemIpIbpw AYhm hniZoIcn®v \¬InbXmbn Rm≥ {]kvXmhn®vsIm≈p∂p.apIfn¬ tcJs∏SpØnbn´p≈ F√m tcJIfpw Fs‚ Adnhnepw hnizmkØnepw icnbmsW∂v {]kvXmhn®psIm≈p∂p. apIfn¬ ]d™ hnf at‰sX¶nepw GP≥kn hgntbm / PACS/ _m¶v/{_m©v hgntbm Imemhÿm[njvTnXhnf C≥jpd≥kv ]≤Xn{]Imcw Cu kokWn¬ C≥jp¿ sNøp∂Xn\mbn s{]mt∏mk¬ t^mdw \¬Inbn´ns√∂v/\¬IpIbns√∂v CXn\m¬ km£ys∏SpØp∂p. ÿew : H∏v / hnceSbmfw XobXn : (hnceSbmfw tcJs∏SpØp∂]£w km£nhnhcßƒ \¬IpI.)

Insurance is the subject matter of solicitation km£nIƒ :

...... (For useby by Bank/PACS)...... Area proposed for insurance Sum Insured (Rs.) Premium Collected from Farmer (Rs.) (ha) (Sum Insured/ha X area insured) (Sum Insured X Farmer’s Premium Rate)

Prohibition of Rebates : Section 41 of the Insurance Act 1938 provides as follows 1. No Person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Provided that acceptance by an insurance agent of commission in connection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this sub-section if at the time of such acceptance, the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer. 2. Any person making default in complying with the provisions of this section shall be punishable with fine which may extend to five hundred rupees.

GUIDELINES FOR COMPLETION OF THE FORM 1. Separate proposal forms may be submitted for each crop and RUA. 2. Please complete the proposal Form in all respects. 3. Insurance is a contract of Utmost Good Faith requiring the Insured not only to disclose all material facts but also not to suppress any material facts. If you think any fact is material please disclose it. 4.The Insurance shall become voidable at the option of the insurer, in the event of any untrue or incorrect statement misrepresentation, non description, or non disclosure in any material particular in the proposal form / personal statement, declaration and connected documents, or any material information having been withheld by the proposal or any one acting on his behalf. 5. Kindly contact AIC’s Offices or its authorized Agent for any doubt or clarification on the proposal form. NOTE: The liability of AIC doesnot commence until this proposal has been accepted by AIC and the due premium is received in full. Insurance is the subject matter of solicitation adp]pdw

------ ------WBCIS-NL-PF-1

Acknowledgement (WBCIS) Date :...... Received Rs...... (Rupees ...... only) towards consideration as Farmer’s share of Premium from Shri/Smt...... Son/Daughter/Wife of Shri ...... , cultivator of ...... crop grown in...... Panchayath/Municipality/Corporation of ...... District of ...... State/UT. having Bank Account No...... in ...... Bank ...... Branch, towards coverage of his crop grown in ...... hectors during ...... Season of ...... year under Weather Based crop Insurance Scheme (WBCIS), vide Cash/Cheque/DD No...... dated ...... drawn on ...... Bank, subject to realization

Authorised Signatory 97 A{KnIƒ®¿ C≥jpd≥kv Iº\n Hm^v C¥y enan‰Uv doPnbW¬ Hm^okv (tIcf) 8˛mw \ne, Im¿a¬ Sthgvkv, tIm´¨ln¬ kvIqfns‚ FXn¿hiw, hgpX°mSv, Xncph\¥]pcw˛ 695014 slUv Hm^okv : 13˛mw \ne, AºmZo]v, 14, IkvXq¿_ Km‘nam¿Kv, \yqU¬ln-˛110001

I¿jI cPnkvt{Sj≥ t^mdw *am¿°v sNbvXn´p≈h \n¿_‘ambpw ]qcn∏nt°≠XmWv hy‡nhnhcßƒ I¿jIs‚ t]cv* {io/{ioaXn B[m¿ \º¿ :

I¿jIs‚ t]cv (Cw•ojn¬)* Mr./Mrs. ]m≥ \º¿ : enwKw* : ]pcpj≥ kv{Xo _‘s∏Sm\p≈ hnhcßƒ I¿jIs‚ ta¬hnemkw t^m¨ \º¿ (Hmôkv) ho´vt]cv* t^m¨ \º¿ (hoSv)* hoSv \º¿* tdmUv/kv{So‰ns‚ t]cv* samss_¬ \º¿* t]mÃmôkv* ]n.H ^mIvkv \º¿: hnt√Pv/kn‰n/ ap\nkn∏men‰n* Pn√* C-sabn¬ 1. kwÿm\w Csabn¬ 2. ]n≥tImUv* _m¶v A°u≠v hnhcßƒ (_m¶v/A°u≠v hnhcßƒ \¬ImØ]£w \jvS]cnlmcØpI A°u≠n¬ \nt£]n°p∂X√.) I¿jIs‚ t]cv* (_m¶v A°u≠v {]Imcw) _m¶ns‚ t]cv* {_m©ns‚ t]cv* {_m©v ta¬hnemkw* IFSC tImUv* A°u≠v GXvhn[w* tkhnwKvkv _m¶v ( SB) a‰p≈h (IFSC tImUv* C√mØ F°u≠v BsW¶n¬""000000000000'')F∂v tcJs∏SpØpI A°u≠v \º¿* _m¶v t^m¨\º¿* (apIfn¬ \¬Inb hnhcßƒ ImWn°p∂ _m¶v ]mkv_p°ns‚ tIm∏n/ Iym≥k¬ sNbvX sN°veo^ns‚ tIm∏n CtXmsSm∏w ka¿∏nt°≠XmWv.) a‰phnhcßƒ P\\XobXn (dd/mm/yyyy) sXmgn¬/hyhkmbw* A—s‚/`¿Ømhns‚ t]cv* samØ ÿehnkvXo¿Ww (G°dn¬*) I¿jI≥ GXphn`mKØn¬s∏Sp∂psh∂v am¿°v sNøpI* 1. {KmaoW I¿jI≥ \mKcnI I¿jI≥ 2. SC ST OBC P\d¬ 3. \maam{X I¿jI≥ sNdpInSI¿jI≥ a‰p≈h¿ 4. Irjnhmbv] FSpØn´p≈h¿ 5. aXw: lnμp ap…ow {InkvXy≥ a‰p≈h¿ Irjnhmbv] FSp°mØh¿ a‰p Xncn®dnb¬ tcJ tdj≥Im¿Uv thm´¿ ID Im¿Uv ss{UhnwKv ssek≥kv a‰p≈h Xncn®dnb¬ \º¿: A\¥cmhIminbpsS hnhcßƒ t\man\nbpsS t]cv {io/{ioaXn I¿jI\pambp≈ _‘w kuP\y Fkv.Fw.Fkv tkh\ßƒ Xm¶ƒ°v Fkv.Fw.Fkv Adnbn∏v BhiyamtWm? thWw th≠ ]pXnb ]≤Xn kw_‘amb Adnbn∏v thWw th≠ s¢bnw A\phZn® Adnbn∏pIƒ thWw th≠ a‰p aqeym[njvTnX tkh\ßƒ thWw th≠ CXn¬ \¬Inbn´p≈ hnhcßƒ Fs‚ Adnhnepw hnizmkØnepw ]q¿Æambpw icnbmsW∂v CXn\m¬ km£ys∏SpØp∂p. ÿew : XobXn : kn.]n.Fkns‚ t]cv : I¿jIs‚ H∏v/hnceSbmfw kn.]n.Fkns‚ cPnkvt{Sj≥ \º¿ : (hnceSbmfw tcJs∏SpØp∂]£w km£nhnhcßƒ tcJs∏SpØpI ) kn.]n.F^ns‚ t]cv : km£n: Fs¥¶nepw ]cmXnbp≈]£w F.sF.knbpsS doPnbW¬ Hmôknep≈ {Koh≥kv dn{U ¬ Hmôkpambn _-‘st∏tS≠XmWv : 0471˛2334493

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