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Activities Downloadable
Form A resume of the activities relating to the development of horticulture being taken care of by the State Department of Horticulture, with a view to improve socio-economic status of the farming community, is given below: (i)
AREA EXPANSION:- (ii)
PRODUCTION AND SUPPLY OF ELITE PLANTING MATERIAL:- (iii)
INTRODUCTION OF IMPROVED PLANT MATERIAL:-
(iv) EXTENSION AND ADVISORY SERVICE:- (v)
ANCILLARY HORTICULTURE ACTIVITY :- (vi)
INTRODUCTION OF NEW TECHNOLOGIES: (vii) WBCIS FOR APPLE & MANGO: W.B.C.I.S RABI, 2009-10 20-17/2009-Udyan-IV Directorate of
Horticulture, Himachal Pradesh, Shimla-2 From
Director of Horticulture, Himachal Pradesh, Shimla-171002. To 1. The Registrar Cooperative
Societies, Himachal Pradesh, Shimla-171009. 2. The Managing Director, H.P. State Cooperative Bank Ltd., The Mall, Shimla-171001. 3. The General Manager & Convener, State
Level Bankers Committee, H.P., UCO Bank, G.M. Office, Himland Hotel Annexe,
Circular Road, Shimla-171001. 4. The General Manager, National Bank for Agriculture and Rural Development (NABARD), Block No.31, SDA Complex, Shimla-171009. 5. The Regional Manager, Agriculture Insurance Co. of India Ltd., Regional Office, SCO No.64-65,Ground Floor, Sector 8-C, Madhya Marg, Chandigarh 160009. Dated
Shimla, the Subject:
- Pilot Weather Based
Crop Insurance Scheme (WBCIS) for Apple and Mango crops -Notification of
crops and unit areas for Rabi, 2009-10 season. Sir, It
is to inform that the Govt. of India, Ministry of Agriculture, Department of
Agriculture & Cooperation, Krishi Bhawan, New Delhi vide their letter
No.13011/ 01 / 2008-Credit-II dated the 11th September, 2009 has
accorded and issued its Administrative Approval / Instructions for the
implementation of the Pilot Weather Based Crop Insurance Scheme (WBCIS) on existing pattern during Rabi,
2009-10 season, as per the term & conditions contained in the scheme. The
Agriculture Insurance Company of India Ltd. (AIC), will be the
Implementing Agency (IA) of this
Weather Based Crop Insurance Scheme (WBCIS) as decided by the Govt. of HP. As decided by the State Level Coordination Committee
on Crop Insurance (SLCCCI) in its meeting held on 08.10.2009 at 4.00 P.M.
under the Chairmanship of the
Secretary (Horticulture & Agriculture) to the Govt. of Himachal
Pradesh, the Pilot Weather Based Crop Insurance Scheme (WBCIS) in Theog, Jubbal,
Narkanda, Rohru and Chirgaon blocks of Shimla district & Ani block of
Kullu district for Apple crop and in
Fatehpur, Nurpur, Indora and Nagrota Surian blocks of Kangra district for
Mango crop will be implemented during Rabi 2009-10 on the following conditions:-
Conditions
for the WBCIS:- (1) Season: Insurance
coverage under the scheme would be provided as under for Apple and Mango
crops during Rabi 2009-10 season.
(2)
Area approach: The scheme shall operate on the
principle of “Area Approach” in selected notified Reference Unit Areas. Area Approach signifies that a Reference
Unit Area shall be considered as a unit area of insurance for the purpose of
acceptance of risk and assessment of compensation as well. Therefore, all insured cultivators of a
notified crop in the notified Reference unit area shall be deemed to be on
par so far as their terms of insurance coverage and assessment of
compensation are concerned. (3)
Geographical Coverage: “Reference unit areas are linked
to specific Reference Weather Station (RWS) for providing Weather data for
the purpose of assessment of compensation. For
Apple
For
Mango:
(4) Crops Covered: The Apple and Mango
crops are to be covered during Rabi, 2009-10 season in the areas mentioned
above. (5) Cultivators Eligible for
Coverage: All the cultivators (including
share croppers and tenant cultivators) growing Apple and Mango crops in any
Reference Unit Area shall be eligible for coverage. The scheme shall be Compulsory
: For all Loanee applicant
cultivators i.e. those who have sanctioned credit limit from a Financial
Institution for as on 5th
December 2009 for Apple crop and 5th
December 2009 for Mango crop in the notified RUAs. Voluntary: For Non Loanee
cultivators i.e. those who do not have sanctioned credit limit from any
Financial Institution. Financial Institution, for the
purpose of the scheme includes all District Central Cooperative Bank and also
the PACs affiliated to them, all Commercial Banks and all Regional Rural
Banks as defined in National Agriculture Insurance Scheme (NAIS). (6) Perils Covered : Following weather perils, which are deemed
to cause “Adverse Weather Incidence”, leading to crop loss, would be covered
under the scheme; Chilling requirement, Temperature
fluctuations and Rainfall (deficit / excess) for Apple and Frost, Temperature
fluctuations, Rainfall, wind speed for Mango crop. The specific “Adverse
Weather Incidence” with its timing duration applicable is given as per term sheet (Annexure
1 to VI).
(7)
Risk Period (i.e. Insurance Period): The crop wise risk period would be as
mentioned in the term sheets. (8)
Seasonality Discipline: The Cut off dates for covering loanee farmers, accepting the crop
insurance proposals from non loanee farmers at PAC’s / Bank branches and
submission of declarations by the banks to implementing agency i.e.
Agriculture Insurance Company of India Ltd. would be accepted as per
table given below.
No insurance coverage is allowed once these dates are over. (9)
Coverage Procedure: (a) Insurance coverage of Loanee Applicant
Cultivators shall be through the existing network of Financial Institutions
(FI) at the grass-root level, using Nodal Bank system as in National
Agriculture Insurance Scheme (NAIS). (b) Insurance coverage of Non-loanee
Cultivators shall be through the existing network of Financial Institutions
at the grass root level; the Insurance Intermediaries and Authorized
Representatives of AIC. (c)
Nodal Bank Branches shall be paid by AIC, a service charges of 5% on
the actual Premium amount (excluding Service Tax) remitted by them, being in
the nature of sharing the incidental management expenses incurred by them for
servicing the scheme. (10)
Sum Insured: Sum
insured is equivalent to the ‘cost of cultivation’ and is further sub divided
into various covers as given in the term sheets. The sum insured for an
individual cultivator shall be the product of the cultivator’s declared ‘area
under cultivation’ (in hectare) for Tomato and Potato crops and No. of trees
for Apple and mango crops and the sum insured given in the term sheet per
unit area / tree. An individual
Cultivator’s ‘area under cultivation’ for a Notified Crop in a notified
Reference Unit area shall be declared by him as follows: Loanee Applicant Cultivators: ‘Area under cultivation’ for the Notified
Crop as already declared by him in the Loan Application Form for the purpose
of fixing his “Maximum Credit Limit (MCL) by the Lending Financial
institutions. For Apple and Mango crops, where the MCL have been
sanctioned for area under the crop, the farmer shall give a self declaration
to the bank indicating age group wise number of trees grown. Non Loanee Cultivators. The
cultivator shall declare the ‘area under cultivation’ for the Notified Crop
in the Insurance Proposal Form. 11.
Premium Rates: Actuarial Premium Rates for these crops have been calculated by AIC
using standard Premium Rating methodology and it 11.50% plus ST @ 10.30% for
Apple and Mango crops. 12. Premium Sharing and Subsidy: Of the total Premium, 50% shall be
payable by the insured cultivator and the balance shall be borne by the
Central and the State Govt. on 50:50 basis. (13)Premium Remittance: The Banks should prepare separate demand drafts for the loanee and non
loanee farmers in the name of “Agriculture Insurance Company of India Ltd
payable at Axis Bank A/C No.
041010200007856” payable at Chandigarh and should be sent to the
Agriculture Insurance Company of India Ltd, SCO 64-65, Sector 8C, Chandigarh. (14)
Compensation (Payout): (I) AIC
shall be responsible for all Payouts arising out of “Adverse Weather
Incidence” strictly in terms of the Scheme terms & conditions read with
the relevant Premium & Payout table.. (II) Pay-out shall arise only in case of Adverse
Weather Incidence. Adverse Weather
Incidence is equivalent to the deviation between “Trigger Weather” and
“Actual Weather” Data recorded at a “Reference Weather Station” during the
specified time period. Trigger Weather is a pre-defined Weather Parameter
applicable to a Notified Crop in a notified Reference Unit In case of Adverse
Weather Incidence (AWI), all the insured cultivators growing the Notified
Crop in the Reference Unit Area shall be deemed to have suffered the same
level of AWI and the same proportion of crop-loss, and become eligible for
the same rate of Payouts. (III)
Pay-Out Disbursement (a) Pay-outs
would normally be made by AIC to the Nodal Banks with in 45 days of closing
of insurance period subject to receipt of the necessary actual weather data. (b) So
far as the Insured is concerned, the Pay-outs procedure shall be automatic;
that is to say, Payouts would be automatically computed by AIC on the basis
of Actual Weather Data received, and the Payouts would be automatically
credited to the insured’s Bank Account through the concerned Nodal Bank /
Financial Institution. (17) ROLE OF VARIOUS AGENCIES: i) The
State Level Bankers Committee (SLBC), The Lead Bank Managers, the Cooperative
Banks and Agriculture Insurance Co. of India Ltd.(Implementing Agency) shall
take immediate necessary action to ensure the implementation of the scheme in
the State as detailed above. ii) The
Implementing Agency i.e. Agriculture Insurance Co. of India Ltd. shall ensure that
claims are paid
at the earliest
after release of
State Govt. share, Litigations,
if any, for delay in payment of claims
and if any other, shall be the sole responsibility of the Implementing
Agency. iii) The
banks would also ensure that the claims amount is released/ disbursed to the
beneficiaries within a fortnight from the date of receipt of claims amount
from the Implementing Agency. iv) The
Implementing Agency shall make necessary arrangements to give wide publicity
to the scheme. v) The
Convener, District Level Bankers Committee will monitor the progress of this
scheme in its periodical meetings time to time. Separate guidelines of Pilot Weather
Based Crop Insurance Scheme (WBCIS) shall be provided by the Agriculture Insurance
Co. of India Ltd. Banks / Financial
Institutions are requested to strictly adhere to the said guidelines. Yours
faithfully, Encls: -
As above.
Director of Horticulture,
Himachal Pradesh, Shimla Endst.
No. 20-17/2009-Udyan-IV Dated the Shimla-2 2009 Copy along with a copy of the information
referred to above is sent to the following for information and necessary
action:- 1.
The
Secretary (Horticulture & Agriculture) to the Govt. of H.P., Shimla-2. 2.
The
Addl. Secretary (Agri.) to the Govt. of India, Ministry of Agriculture,
Department of Agriculture & Cooperation, Krishi Bhawan, New Delhi- 110114
w.r.t. their letter No. 13011/02/2008 Credit-II ) dated the 11th
September, 2009. 3.
The
Chairman-cum- Managing Director, Agriculture Insurance Co. of India Ltd., 13th
Floor Ambadeep Building, 14 Kasturba Gandhi Marg, Connaught Place, New
Delhi-110001. 4.
The
Secretary (Finance) to the Govt. of H.P., Shimla-2. 5.
The
Secretary (Revenue) to the Govt. of H.P., Shimla-2. 6.
The
Secretary (Coop.) to the Govt. of Himachal Pradesh, Shimla-2. 7.
The
Secretary (Planning) to the Govt. of H.P., Shimla-2. 8.
The
Managing Director, Kangra Central Cooperative Bank Ltd., Dharamsala, Distt.
Kangra, H.P. 9.
The
Managing Director, HP State Cooperative Bank Ltd H.O. The Mall, Shimla District-Shimla, H.P. 10. The Director, Information & Public Relation
Department, H.P., Shimla-2 for wide publicity of the Weather Based Crop
Insurance Scheme 11. The Director of Land Records, Himachal Pradesh,
Shimla-9. 12. The Director, Rural Development Department, H.P.,
Shimla-9. 13. The Director of Agriculture, Himachal Pradesh,
Shimla-5. 14. The Deputy Director of Horticulture, Shimla,
Distt. Shimla, Himachal Pradesh. 15. The Deputy Director of Horticulture, Kangra,
Distt. Kangra, Himachal Pradesh 16. The Deputy Director of Horticulture, Kullu,
Distt. Kullu, Himachal Pradesh 17. The Subject Matter Specialist, Ani, Distt.
Kullu,Himachal Pradesh 18. The Agricultural Statistical Officer-cum-Member
Secretary, State Level Coordination Committee on Crop Insurance, H. P,
Shimla-5 for information and necessary action 19. The Asstt. Registrar, Cooperative Societies,
Shimla, Kangra and Kullu, H.P. 20. The Lead Distt. Manager, Lead Bank Office, UCO
Bank, Dharamshala, Distt Kangra, H.P. 21. The Lead Distt. Manager, Lead Bank Office,UCO
Bank,Shimla, H.P. 22. The Station Director, All India Radio, Shimla-4,
H.P. for wide publicity of the scheme. 23. The Station Director, Doordarshan Kendra,
Shimla-171004 for wide publicity of the scheme. 24. The Deputy Director of Horticultural
(Information), Directorate of Horticulture, H.P., Shimla for wide publicity
of the Weather Based Crop Insurance Scheme. Director of Horticulture, Himachal Pradesh,Shimla-2. Annexure-A-1 List of Gram Panchayats falling under Reference Unit
Area (RUA) Theog
Annexure-A-2 List of
Gram Panchayats falling under Reference Unit Area (RUA) Parala
Annexure-B-1 List of Gram Panchayats falling under Reference Unit
Area (RUA) Rohroo
Annexure-B-2 List of Gram Panchayats falling under Reference Unit
Area (RUA) Khadrala
Annexure-C-1 List of Gram Panchayats falling
under Reference Unit Area (RUA) Ani
Annexure-C-2 List of Gram Panchayats falling
under Reference Unit Area (RUA) Dalash
Annexure-I
COVER
1: Chilling requirement Cover Objective: To
cover anticipated yield loss if winter chilling requirements are not met. Cover period 1st
December to 31st March
Trigger
(payout begins at): 1,200 chill
units Exit (100%
payout): 1,000
chill units
Nature
of payout: Consolidated payout for the entire cover period COVER
2: Temperature fluctuations Cover Objective: To cover anticipated yield loss due to
temperature fluctuations during flowering Cover period: 16th
March to 7th May Deviation Units: ∑
[Tmax(n)-25.0] + ∑ [5.0-Tmin(n)] Trigger
(Payout begins at): 50 Units Exit (100%
payout at): 100 Units
Nature
of payout: Consolidated payout for the entire cover period COVER 3: Rainfall Requirement Cover Objective: To cover anticipated yield loss due to deficit
in aggregate rainfall across different phases. Cover Period:
1st
May to 31st July Daily
Rainfall trigger in various Phases
Nature
of payout: Payout shall be given phase wise COVER
4: Unseasonal / Excess Rainfall Cover Objective: To
cover anticipated yield loss because of higher number of rainy days during
the cover period (flowering) Rainy day: A day with a rainfall of Cover Period:
16th
March to 30th April
Nature of
payout: Consolidated
payout for the entire cover period PRODUCT SUMMARY
Annexure-II
COVER
1: Chilling requirement Cover Objective: To
cover anticipated yield loss if winter chilling requirements are not met. Cover period 1st
December to 31st March
Trigger
(payout begins at): 900 chill units Exit (100%
payout): 700 chill units
Nature
of payout: Consolidated payout for the entire cover period COVER
2: Temperature fluctuations Cover Objective: To cover anticipated yield loss due to
temperature fluctuations during flowering Cover period: 16th
March to 7th May Deviation Units: ∑
[Tmax(n)-29.0] + ∑ [5.0-Tmin(n)] Trigger
(Payout begins at): 50 Units Exit (100%
payout at): 100 Units
Nature
of payout: Consolidated payout for the entire cover period COVER 3: Rainfall Requirement Cover Objective: To cover anticipated yield loss due to deficit
in aggregate rainfall across different phases. Cover Period:
1st
May to 31st July Daily
Rainfall trigger in various Phases
Nature
of payout: Payout shall be given phase wise COVER
4: Unseasonal / Excess Rainfall Cover Objective: To
cover anticipated yield loss because of higher number of rainy days during
the cover period (flowering) Rainy day: A day with a rainfall of Cover Period:
16th
March to 30th April
Nature of
payout: Consolidated
payout for the entire cover period PRODUCT SUMMARY
Annexure-III
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