© [Regd. No. TN/CCN/467/2012-14. GOVERNMENT OF TAMIL NADU [R. Dis. No. 197/2009. 2014 [Price: Rs. 33.60 Paise. TAMIL NADU GOVERNMENT GAZETTE PUBLISHED BY AUTHORITY No. 48A] CHENNAI, WEDNESDAY, DECEMBER 2, 2015 Karthigai 16, Manmadha, Thiruvalluvar Aandu – 2046 Part II—Section 2 (Supplement) NOTIFICATIONS BY GOVERNMENT AGRICULTURE DEPARTMENT Notification of Crops, Districts, Blocks and Firks under National Agriculture Insurance Scheme for Kharif 2015 season. [G.O.RT.No. 195, Agriculture (AP6), 18th June 2015.] No. II(2)/AG/754/2015. The 34th State Level Co ordination Committee on Crop Insurance was held on 06.05.15 to finalize the areas to be notified for Paddy I (Kar/Kuruvai/Sornavari), Paddy II (Samba / Thaladi / Pishanam ) and other crops of Kharif season under National Agricultural Insurance Scheme. The finalized list was approved vide Government Lr No 9909/AP6/ 2015-2 dated 18.05.15 of the Department of Agriculture, Secretariat, Fort St. George, Chennai. The Crop wise details of the firkas / blocks notified are furnished in Annexure I. 1. Farmers to be covered: All farmers including share croppers, tenant farmers growing the notified crops in the notified areas are eligible for coverage. The scheme covers following group of farmers. (a) On a Compulsory Basis: All farmers growing notified crops and availing crop loan / KCC loans and Agricultural Jewel loans for the purpose of cultivation of the notified crop from financial institutions. i.e., Loanee farmers. (b) On a Voluntary Basis: All other farmers growing notified crops in the notified area i.e., Non Loanee Farmers who opt for the scheme. 2 Sum Insured and Premium Rates: Loanee Farmers: Under this scheme, insurance coverage is compulsory for all loanee farmers availing crop loans from financial institutions for notified crops in notified areas as per the rates that would be provided by Agricultural Insurance Company of India Limited, Regional office, Chennai ( AICIL) to the financial institutions. DTP—II-2 Sup. (48A)—1 [ 1 ] 2 a. The premium shall be an additional to the loan ( without any consent from the farmer) and should be debited from the account of the farmers once at the end of the month or retrospectively within the seasonality period but not later than the specified cut off dates. b. The sum insured may extend to the value of the Threshold Yield of the insured crop (where such value exceeds the loan amount disbursed) at the option of the insured farmers in case of food crops, pulses and Oilseeds. Additional coverage under the scheme is also available at the option of farmer subject to a maximum of the value of 150% of Average Yield (where such value exceeds the laon amount disbursed) in case of food crops, pulses and oilseeds. c. For annual commercial / Horticulture crops the actuarial premium rate would be applicable irrespective of the sum insured for loanee/ non loanee farmers. Non Loanee Farmers: The Sum insured in case of Non Loanee farmers is calculated on the basis of the value of Threshold yield and it can be extended upto the value of 150% of the Average yield , in case of food crops, pulses and oilseeds. 3. Coverage of Loanee Farmers: District level nodal bank for all the correspondence will continue for NAIS, whereby AICIL will deal only with designated nodal points of banks. All eligible loanee farmers growing notified crops in notified area are to be compulsorily covered for the full amount of loan disbursed. This includes the jewel loans issued during the period for cultivation of the notified crop in the notified area. Cover may be restricted to crop/ area and scale of finance. (Circular Letter Ref: N.848783/Res- II/05 dated 29.11.05 issued by the Finance Department of the State Government of Tamilnadu) All the guidelines in regard to crop loans which are issued by RBI/NABARD time to time are to be complied by banks. However, a farmer opting for higher Sum Insured ( beyond value of Threshold Yield) as provided in the scheme will have to do so at the beginning of the season and cutoff date will be one applicable for non Loanee farmers. Those farmers who opt for higher level of coverage i.e. over and above loan have to submit a proposal form as advised by Agricultural Insurance Company of India Limited. 4. Coverage of Non Loanee Farmers: Non Loanee farmers eligible and opting for coverage shall submit prescribed proposal forms ( banks are requested to kindly print/ photocopy such formats as per their requirements) to the nearest selected Service area branch/ PACB detailing particulars of desired coverage, along with relevant premium, within prescribed cut-off dates. The non loanee farmers need to open a Savings bank account in the said branch. The banks/ PACS are requested to open no frill accounts or with RS 10/= once for this purpose. The bank branch shall scrutinize the proposals, and collect other required documents such as crop sown certificate from such farmers along with the premium amount. 5. Submission of Declarations: The disbursing Bank Branch / PACB shall retain all the original applications of the farmers and a consolidated statement be prepared month wise , crop wise and notified area wise details of coverage ( separately for loanee and non loanee farmers) along with premium by internal transfer to their nodal banks ( preferably district level controlling branch of the same bank). They shall furnish the said details along with premium amount to their nodal banks within 15th day of the succeeding month. The nodal bank shall consolidate these statements as received from the branches / PACBs under its jurisdiction and forward the same to AICIL in the prescribed declaration format, separately for each notified crop and each notified area (separate for loanee and non loanee farmers) along with the DD for premium within the prescribed monthly cut-off dates (before expiry of the month succeeding the month of loaning/month of receipt of non-loanee proposal by branch/ PACB) and in any case before final cut-off date which would be indicated by AICIL. Nodal banks must ensure follow up for complete and correct coverage of all eligible crop loans and shall obtain full and accurate particulars from all the lending banks within their jurisdiction. They must also ensure coverage of proposals received from the non-loanee within their jurisdiction. 6. Premium Subsidy: Premium subsidy is allowed upto normal sum insured to small and marginal farmers and other farmers as per Government of India norms and as per the Government of Tamil Nadu norms and will be shared by Government of India and Government of Tamil Nadu as indicated below: 3 Category of Classification of Farmer’s shareof Government of Government of Total (%) farmer farmer premium (%) India’s share of Tamil Nadu’s subsidy (%) subsidy (%) (1) (2) (3) (4) (5) (6) Loanee Small&Marginal Farmers 50 5 45 100 Farmers Other Farmers 50 0 50 100 Non-Loanee Small & Marginal Farmers 45 5 50 100 Farmers Other Farmers 50 0 50 100 - The banks shall only be liable / responsible for all the omissions/ commissions/ errors committed by them in this regard. - Nodal Banks shall issue suitable instructions to all leading branches under their jurisdiction to achieve the above objectives. - Remittance of excess premium shall not confer entitlement for increase in sum insured or liability under the scheme at a later date. - The banks shall be paid service charges @ 2.5% of the premium collected in respect of both loanee and non-loanee farmers at the end of the season. Cut off dates for receipt of proposals/ declarations The cut-off dates are indicated in Annexure II. The cut-off date for receipt of proposals and declarations would be indicated separately to all the financial institutions. - Loanee farmers opting for a sum insured higher than the amount of loan availed should be treated on par with non-loanee farmer as far as cut-off dates for submission of declarations are concerned. Hence, such non loanee farmers shall indicate their choice to the concerned bank branch at the beginning of the season itself through a proposal form in the prescribed format. - Declarations received after the prescribed cut-off dates shall be summarily rejected and the responsibility/ liability in this regard shall rest with the nodal banks. - Wherever, any clarification in respect of declarations to be submitted by banks is sought by AIC, the same must be submitted within one month. Thereafter, AIC is not under any obligation to accept the same including re-opening of claims. - Premium by the nodal banks should be remitted by way of a single demand draft or instrument for a particular lot of declarations. - Also in case of denial of non loanee farmer’s proposals by any bank branch, the farmers can take up the issue with the Chairman and The District Collector, District Level Monitoring Committee on Crop Insurance for necessary admission. The Joint Director of Agriculture is the convener for the above committee who in turn will ensure with all the banks for hassle free opening of SB accounts for Non Loanee farmers and complete mandatory coverage of all eligible loanee farmers in his jurisdiction. NATIONAL AGRICULTURAL INSURANCE SCHEME DISTRICT WISE LIST OF FIRKAS NOTIFIED FOR KHARIF 2015 District Block Firkha Paddy I Paddy II Maize Black Gram Green Gram Red Gram Ground Nut Cotton Sugar cane Turmeric Onion Potato Tapioca Banana Pine-apple (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) ARIYALUR District: Andimadam Andimadam Yes Yes Yes Yes - - Yes - Yes - - - Yes - - Andimadam Kuvagam - Yes Yes Yes