Panaji, 27th July, 2023 (Sravana 5, 1945)

SERIES I No. 17

Reg. No. RNP/GOA/32/2021-2023

RNI No. GOAENG/2002/6410

PUBLISHED BY AUTHORITY

Suggestions are welcomed on e-mail: dir–[email protected]

1627

GOVERNMENT OF GOA

Department of Agriculture

Directorate of Agriculture

–––

Notification

3/4/P&E/PMFBY/2023-24/D.Agri

Pradhan Mantri Fasal Bima Yojana Kharif

Season 2023 to Rabi Season 2025-26

Reference is made to the Government of

India, Ministry of Agriculture & Farmers’

Welfare, Department of Agriculture &

Farmers’ Welfare, Krishi Bhavan, New Delhi

letter F. No. 11019/01/2022-Cr-II(FTS: 111875),

dated 3rd April, 2023, regarding the ‘Tender

cycle for Kharif Season 2023 to Rabi Season

2025-26, for implementation of Pradhan Mantri

Fasal Bima Yojana (PMFBY) and Government

of Goa vide approval U. O. No. 1200 dated

27-06-2023 for continuation of Pradhan Mantri

Fasal Bima Yojana (PMFBY) is being continued

in the State at the Cluster of Village

Panchayats level through newly appointed

Bajaj Allianz General Insurance Company

Limited for North-Goa and Agriculture

Insurance Company of India Limited (AIC) for

South-Goa District in the State of Goa for the

period of three years (Kharif season 2023 to

Rabi season 2025-26). The Notification on

PMFBY scheme is issued for the interest of

the farmers for the State of Goa.

The scheme will continue for the above

season/years on the following conditions:

I. Implementing Agency.— The district

wise implementing agency is given in

Annexure–I.

II. Risks Covered and Exclusion.— 1) Basic

cover: The basic cover under the scheme

covers the risk of loss of yield to standing

crop

(sowing

harvesting).

This

comprehensive risk insurance is provided to

cover yield losses on an area based approach

basis due to non-preventable risks like

drought, dry spells, flood, inundation, wide

spread pest and disease attack, landslides,

natural fire due to lightening, storm,

hailstorm, and cyclone.

2) Prevented Sowing/Planting Risk: Insured

area is prevented from sowing/planting/

germination due to deficit rainfall or adverse

seasonal/climatic conditions.

3) Mid-Season Adversity:— Loss in case of

adverse seasonal conditions during the crop

season viz. floods, prolonged dry spells and

severe drought etc., wherein expected yield

during the season is likely to be less than

50% of the normal yield. This add-on coverage

facilitates the provision for immediate relief

to insured farmers in case of occurrence of

such risks.

4) Post-Harvest Losses:— Coverage is

available only up to a maximum period of

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two weeks from harvesting, for those crops

which are required to be dried in cut and

spread/small bundled condition depending

on requirement of the crops in that area, in

the field after harvesting against specific

perils of hailstorm, cyclone, cyclonic rains and

unseasonal rains.

5) Localized Calamities:— Loss/damage to

notified insured crops resulting from

occurrence of identified localized risks of

hailstorm, landslide, inundation, cloud burst

and natural fire due to lightening affecting

isolated farms in the notified area.

6) General Exclusions:— Losses arising out

of war and nuclear risks, malicious damage

and other preventable risks shall be excluded.

Important Conditions/Clauses Applicable

for Coverage of Risk:

1. Insurance companies should have

received the premium for coverage either

from bank, channel partner, insurance

intermediary or directly. Any loss in transit

due to negligence by these agencies or non-

remittance of premium by these agencies, the

concerned bank/inter-mediaries shall be

liable for payment of claims.

2. In case of any substantial misreporting

by nodal bank/branch in case of compulsory

farmers coverage, the concerned bank only

shall be liable for such mis-reporting.

3. Mere sanctioning/disbursement of crop

loans

and

submission

proposals

declarations and remittance of premium by

farmer/bank, without explicit intent to raise

the crop, does not constitute acceptance of

risk by insurance company.

4. Some areas in the past have reported

excess insurance coverage vis-a-vis planted

acreage, leading to over-insurance. Ideally the

discrepancy should be handled at farm level

to protect the interest of farmers with genuine

insurance coverage. All suitable measures

should be taken by concerned stakeholders

for de duplication with the help of land

records, banks records, revenue records and

proposal/loan application of insured farmers.

However, in the absence of digitized farm

records on a GIS platform, it would be

cumbersome to physically verify each farm

when the reported discrepancies are

comparatively large compared to the sown

areas. For the time-being, it is to be addressed

as follows:

Issue of Acreage discrepancy as described

in the Operation Guidelines (Clause XVI (a)

will be addressed as follows:

a) Wherever the ‘acreage discrepancy’

is likely, the acreage insured at IU level

shall be compared with average planted

acreage of past three years, and the

difference is treated as ‘excess’ insurance

coverage after taking into account sown

area data of the Revenue Authority.

b) Sum insured is scaled down in the

proportionate ratio the average of three

years’ actual planted acreage bears to the

insured acreage for the given crop.

c) Claims shall be calculated on the

scaled down sum insured.

d) Premium (farmer share and Central

and State Government Subsidy) shall be

refunded back to Government of lndia for

the portion of sum insured scaled down

and the amount may be utilized for

improvement of technology/research/

Impact assessment etc.

III. Crops & Areas Covered.— The scheme

would cover notified crop in the defined areas

(Cluster of Village Panchayats) given at

Annexure–V as unit of insurance i.e. each

defined area will be considered as one unit

for the purpose of Crop Cutting Experiments

(CCEs).

The crop wise areas to be covered under

the scheme for Kharif & Rabi Season are given

in Annexure-II.

IV. Farmers Covered.— All farmers

including sharecroppers and tenant farmers

growing the notified crops in the notified

areas are eligible for coverage. However,

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farmers should have insurable interest for the

insured crops and lands. Such farmers are

required to submit necessary documentary

evidence of landrecords prevailing in the State

(Records of Right (RoR), Land Possession

Certificate (LPC) etc.) and/or applicable

contract/agreement details/other documents

notified/permitted by State Government in

case of sharecroppers/tenant farmers and the

same should be defined by the State in the

notification itself. Such farmers are also

required to essentially submit Aadhaar

Number and declaration about the crop

sown/crops intended to be sown.

a) The schemes is optional for all

farmers including farmers who have

been sanctioned short-term Seasonal

Agricultural Operations (SAO) Loans/Kisan

Credit (KCC) for the notified crops from

defined ELF (hereinafter referred to as

Loanee farmers) Existing Loanee farmers

who do not want to get covered under the

schemes have the option of opting-out from

the schemes by submitting requisite

declaration to loan sanctioning bank

branches any time during the year but at

least seven days prior to the cut-of-date for

enrolment of farmers for the respective

season. All those farmers who do not

submit the declaration would be essentially

covered.

b) Special efforts shall be made to ensure

maximum coverage of SC/ST/Women

farmers under the scheme.

V. Indemnity Level, Sum Insured Limits,

Premium Rates.— District wise/crop wise

level of indemnity, sum insured limits and

premium rates are given in Annexure–III.

VI. Subsidy on Premium.— The Actuarial

Premium Rate (APR) would be charged

under PMFBY by Implementing Agency (IA).

However, farmers would be paying maximum

of 2% of the sum insured in Kharif Season

and 1.5% in Rabi Season or actuarial premium

rate, for food crops (Paddy, Pulses &

Groundnut) and 5% for Annual Commercial/

Horticultural crops (Sugarcane) respectively.

The difference between actuarial premium

rate (APR) and the Rate of Insurance premium

payable by farmers shall be treated as rate of

normal premium subsidy, which shall be

shared equally by the Centre and State

(50:50).

VII. Seasonality Disclipline.— The cut-off-

date for enrolment and opting out of farmer

for each notified crops/conducting meetings/

decision making/uploading requiste informa-

tion and data/digitisation of notification/

awareness programme etc. for Kharif & Rabi

Season as per seasonality discipline. The

broad indicative seasonality discipline is given

Annexure–IV.

VIII. Change of Crop.— Farmers, having

crop loan from financial institutions, covered

under the scheme, can change the insured

crop upto 2 working days before the cut-off-

date. Due to crop change, sum insured, and

premium will change accordingly.

IX. Cut-off-date for submission of Yield Data

by the State Government.— Cut-off date for

submission of yield data based on minimum

crop cutting experiments for Crop for Kharif

& Rabi Season, from the Directorate of

Agriculture,

Government

Goa

Implementing Agency is two months after

completion of harvesting of a particular crop.

X. Loss assessment, claim settlement and

claim sharing.— The scheme operates on the

basis of area approach. The Insurance unit is

the Village Panchayat for notified crops.

Government Department overseeing the

conduct of CCEs will submit yield data as

per the cut-off date decided, along with

results of individual CCEs (conducted

through smart phone using CCE Agri App)

on NCIP. The yield data will be approved/

uploaded by the concerned authority/State

nodal department and made available to the

IC.

In order to maintain the sanctity and

credibility of CCEs as an objective method of

yield estimation, the modalities mentioned

below will be followed:

a) States shall mandatorily ensure l00%

CCEs through a mobile application

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specially designed by Government of lndia

for this purpose. No other application shall

be used for conducting CCEs. CCE plots

for conducting CCEs shall be chosen

through random selection or preferably

using RST and secrecy of the selected plot

should be maintained until the CCE is

actually conducted in order to rule out

moral hazards.

b) In order to provide proper benefits to

the farmers and to compensate them as

per near actual loss experience, crop

should be notified at lowest level i.e Village

Panchayat.

c) The yield estimates at IU level shall

be submitted by the State Government

within the cut-off-date, along with results

of individual CCEs to the insurance

companies.

d) Insurance company would be given

complete access to co-witness the CCEs,

as also the digital images of the CCEs and

relevant data in the requisite form by the

State Government. A formal letter with the

schedule should be given to the IAs

sufficiently in advance without fail to help

them mobilize the manpower if they so

desire.

e) Wherever the yield estimates reported

at IU level are abnormally low or high vis-

a-vis the general crop condition, the

insurance company in consultation with

State Government can make use of various

products (e.g. Normalized Difference

Vegetation Index, etc.) derived from satellite

image data or other technologies to confirm

the yield estimates. In case of significant

differences between these two yield

estimates, the matter should be referred to

Technical Advisory Committee (TAC) at

Centre and its decision shall be final.

f) Use of Mobile Phone Technology to

improve Yield-data Quality and Timeliness.

To increase the reliability, accuracy and

speed of CCE data, it is mandatory to use

smart phones/hand held devices for

capturing images, location of the CCE and

for online transmission of data on

centralized server (e.g. Bhuvan server)

would be done for faster compilation of data

and quick claim settlement. RST and

Drones etc. may also be used for the

purpose of increasing accuracy and speed

of yield estimation through CCEs.

g) In Instances where required number

of CCEs could not be conducted due to

non-availability of adequate cropped area,

adverse weather conditions/inadequate

infrastructure etc., the yield estimate for

such IUs can be generated by using

methods such as (i) adopting yield estimate

of next higher unit, or (ii) adopting the yield

of a neighbouring IU with maximum

correlation. Priority of applicability of

aforesaid two methods should be notified

by the concerned States in the notification

itself, failing which option of yield estimate

of next higher unit only would be

considered. However, this clause shall only

be applicable in unavoidable situations and

shall be limited to only minimal number of

IU units and cannot be made a general

rule to avoid CCEs. Special efforts should

be made by the State to conduct adequate

number of CCEs in all notified units in order

to provide appropriate benefits to farmers.

Assessment of Claims (Wide-spread

Calamities):

If ‘Actual Yield’ (AY) per hectare of insured

crop for the insurance unit (calculated on

basis of requisite number of CCEs) in insured

season, falls short of specified ‘Threshold

Yield’ (TY), all insured farmers growing that

crop in the defined area are deemed to have

suffered shortfall in yield of similar magnitude.

PMFBY seeks to provide coverage against

such contingency.

‘Claim’ shall be calculated as per the

following formula:

(Threshold Yield-Actual Yield)

X Sum Insured

Threshold Yield

Where,

Threshold yield for a crop in a notified

insurance unit is the moving average yield of

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past seven years (excluding a maximum of

two calamity year(s) as notified by State

Government/UT) multiplied by applicable

indemnity level for that crop.

XI. On Account Payment of Claims due to

Mid-Season Adversity:— Insurance cover will

be provided to the farmers to provide

immediate relief in case of adverse seasonal

conditions during the crop season viz. floods,

prolonged dry spells, severe drought etc.,

wherein expected yield during the season is

likely to be less than 50% of Normal Yield.

a) Eligibility Criteria: 1. All notified

lnsurance Units would be eligible for “ON

ACCOUNT” payment only if the expected

Yield of the affected crop during the season

is less than 50% of normal yield.

2. The provision is invoked by the State

Government through damage notification

based on the proxy indicators.

3. The provision could be invoked for a

specific crop or group of crops in Notified

Insurance Unit, depending on fulfilment of

laid down conditions.

4. Insurance company may decide the

quantum of likely losses and the amount of

‘on account’ payment based on the joint

survey of Insurance Company and State

Government officials.

5. Only those farmers would be eligible

for financial support under this cover who

have paid the premium/the premium has

been Debited from their account before

the damage notification by the State

Government for invoking this provision for

compensation. Banks must ensure to debit

farmers premium within 15 days from

sanction/renewal of KCC/crop loan to

provide benefit of this add on products,

failing which banks will be liable to meet

the claim liabilities of uncovered eligible

farmers.

6. The quantum of likely losses and the

amount of ‘on-account’ payment shall be

decided based on the joint survey by

Insurance Company and State Government

officials.

7. Maximum amount payable would be

25% of the likely claims, subject to

adjustment against final claims.

8. If adversity occurs within 15 days

before the normal harvest time, this

provision will not be invoked.

b) Proxy-indicators: Indicators to be used

for loss intimation would be rainfall data,

temperature and relative humidity data,

satellite imagery and crop condition

reports by district level state government

officials, supported by media reports.

c) Loss assessment procedure: i) Joint

committee of State Government and the

insurance company, for assessment of crop

damage, would be formed and notified

before start of the crop season for each

district.

ii) This Joint Committee shall decide the

eligibility for on-account payment based on

the weather data/long term average rainfall

data/satellite imagery supported by

estimated yield losses at notified Insurance

unit level. Loss intimation order has to be

issued within 7 days from the adverse

seasonal event.

iii) Based on the above report, a joint

inspection of the affected area may be done

Insurance

Company

and

State

Government officials for ground truthing

and arrive at the extent of loss.

iv) Information/Services of Mahalanobis

National Crop Forecast Centre (MNCFC)

may also be utilized for determination of

extent of loss for on-Account pay-out.

v) If the expected loss of the affected

crop is more than 50% of the threshold yield

for the Notified Insurance Unit, on-account

payment would be payable.

vi) On-account payment would be

calculated as per following formula:

(Threshold Yield-Estimated Yield)

x Sum Insured x 25%

Threshold Yield

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Time frame for loss assessment and

submission of report:

i) An order will be issued by State

Government defining eligibility of on account

payment with details of damaged Insurance

Units within 7 days from the occurrence of

adverse seasonal event.

ii) Loss assessment report at the committee

within 15 days affected insurance unit level

has to be completed by the joint from

occurrence of the adverse seasonal event.

d) Conditions:— i) Mere disbursement/

sanction of loan without receipt/debit of

premium before the notification of the

calamity would not make a farmer eligible

for the claim.

ii) The pay-out under the cover would be

disbursed by the IC only after the receipt of

at least advance Government share of

premium subsidy (1st instalment of both State

& Central Government).

iii) On-Account payment would be paid to

all eligible insured farmers within one month

of the notification invoking this provision by

the State Government and subject to receipt

of loss assessment report from State

Government.

iv) These claims would be adjusted against

the end season area approach yield based

claims.

v) Banks would remit farmers’ premium to

the IC, with the farmers list, within 7 days of

the intimation of loss under this section, if

not uploaded earlier on Portal. However, this

option must be exercised as a last recourse

with proper justification.

XII. Prevented/Failed Sowing and Prevented

Planting/Germination Claims.— Under this

provision, insured farmers can get insurance

cover in case of wide spread incidence of

eligible risks (Para V. a) affecting crops in more

than 75% of area sown in a notified unit at

early stage leading to total loss of crop or the

farmers are not in a position to either sow or

transplant the crop.

The district wise/crop wise cut off dates

for invoking this provision are given in

Annexure IV:

i. The Notified Insurance Unit and crop

wise normal area sown would be provided

to the insurance companies by Directorate of

Agriculture, Government of Goa.

a) Eligibility Criteria:— 1) The State

Government would provide Notified

Insurance Unit and crop wise normal area

sown at the beginning of the season within

15 days.

2) Notified Insurance Units will be

eligible for “Prevented Sowing/Planting”

pay-out only if more than 75% of Crop Sown

Area for notified crop remained unsown

due to occurrence of any of the above

perils.

3) The provision is invoked by the State

Government through notification based on

proxy indicators.

4) Only those farmers would be eligible

for financial support under this cover who

has paid the premium/the premium has

been debited from their account before the

notification by the State Government

invoking this provision for compensation.

b) Proxy-Indicators:— Indicators like

rainfall data, other weather data, satellite

imagery and crop condition reports by

district level agricultural officer, media

reports and area sown data released by

State Government.

c) Loss assessment procedure:— i) State

Government would declare a Notified

Insurance Unit as having suffered

Prevented or Failed Sowing/Planting

conditions with approximate areas in

percentage of the unit.

ii) Lump sum pay-out under this cover

would be limited to 25% of the sum insured

and the insurance cover will be terminated.

d) Conditions:— i) Mere disbursement/

sanction of loan without receipt/debit of

premium before the notification of calamity

won’t make a farmer eligible for claim.

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ii) The insurance company would disburse

the claim within 30 days of the State’s order/

notification invoking the event of the insured

risk provided the data on estimated area

sown have been received from State

Government.

iii) The pay-out under the cover would be

disbursed by the insurance company only

after the receipt of Government share of

premium subsidy.

iv) Insurance Cover would terminate for

the affected crop in a Notified Insurance Unit

once a claim under this section is invoked

and the Affected Insurance Unit/Crop would

not be eligible for area yield based claim

calculated at the end of the season.

v) Once this provision is invoked, no fresh

enrolment of farmers for the affected notified

crops and areas would be done.

vi) Once exigency is invoked it applies to

all the insured farmers in the Notified

Insurance Unit for a given crop, including for

those whose crop survived.

vii) The State Government would continue

to provide area sown and yield data based

on CCEs conducted in such areas within the

cut-off-date.

XIII. Post-Harvest Losses.— It is proposed

to provide for assessment of yield loss on

individual plot basis in case of occurrence of

Hailstorm, cyclone, cyclonic rains and

unseasonal rains resulting in damage to

harvested crop lying in the field in ‘cut and

spread’ condition up to maximum period of

two weeks (14 days) from harvesting for sole

purpose of drying are Paddy, Pulses &

Groundnut.

a) Eligibility Criteria:— i. Available to all

insured farmers, at farm unit level, affected

by above mentioned perils in a Notified

Insurance Unit growing notified crops for

which insurance have been availed.

ii. Available for all crops damaged by

specified perils, which are left in the field

after harvesting in “cut and spread

condition” for drying up to a period of 14

days from harvest.

b) Proxy-indicators:— Report in the local

media or reports of the agriculture/revenue

department supported by media reports

and other evidences.

c) Loss assessment procedure:—

• Loss would be jointly assessed

by a team comprising of loss assessor

appointed by the insurer, block level

agriculture officer and the concerned

farmer.

• Loss assessors would be appointed

by the insurance company for

assessment if losses due to the

operations of Post-harvest losses.

Time and method of reporting the loss/

claims:

i. Immediate intimation (within 72 hours)

by the insured farmer to any one as

detailed below.

ii. Intimation must contain details of

survey number-wise insured crop and

acreage affected.

iii. Premium payment verification to be

reported in next 48 hours by the farmer/

Bank.

d) Whom to be reported i.e., Channel of

reporting Intimation may be given within 72

hours by farmer either directly to the

insurance company, concerned bank, local

agriculture department Government/district

officials or through toll free number to the

insurance company. First mode of intimation

will be centralized Toll Free Number. In

absence of such a facility, the report can be

given to banks or Government officials and

the same would be forwarded intimated to

the insurance company immediately. The

banks would verify the insured details like

crop insured, sum insured, premium debited

and date of debit before sending the same to

insurance company.

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Documentary evidence required for claim

assessment:

• Duly filled Claim form along with all

relevant documents is requisite for

payment of claims. However, if

information on all the columns is not

readily available, semi-filled form may

be sent to the insurance company and

later within 7 days of the loss, filled

form may be submitted.

• Local

Newspaper

cutting

substantiate occurrence of loss event

and severity of the loss, if any

Time frame for loss assessment and

submission of report:

• Appointment of loss assessor within 48

hours.

• Loss assessment to be completed

within next 10 days.

• Claim settlement to be completed in

next 15 days (subject to receipt of

premium).

e) Important conditions:—

• Mere disbursement/sanction of loan

without receipt/debit of premium

before the occurrence of insured peril

would not make a farmer eligible for

claim.

• When affected area is limited upto 25%

of total insured area in the notified

insurance unit, the losses of eligible

farmers would be assessed individually

provided they have paid premium prior

to occurrence of insurance peril.

• The pay-out under the cover would be

disbursed by the insurance company

only after the receipt of Government

share of premium subsidy.

• The

insurance

company

would

disburse the claim, if payable within

15 days of survey of loss.

• If, at the end of season, based on the

yield data, claim is more than the claim

under this cover, the balance would

be paid at the end of the season under

widespread claims.

• Farmers getting enrolled or whose

premium is debited after occurrence

of insurance peril would not be eligible

for financial support under this cover.

XIV. Localized Risks.— This provision is

intended to provide insurance cover at

individual farm level to crop losses due to

occurrence of localized perils/calamities viz.

landslide, hailstorm and inundation affecting

part of a notified unit or a plot.

a) Eligibility Criteria:— 1. Available to

all insured farmers, at farm unit level,

affected by above mentioned perils in a

Notified Insurance Unit growing notified

crops for which insurance has been

availed.

2. Only those farmers would be eligible

for financial support under this cover who

have paid the premium/the premium has

been debited from their account before

occurrence of the insured peril.

3. Maximum pay-out under this provision

would be in proportion to cost of inputs,

incurred up to the occurrence of insured

peril, subject to the sum insured. If the

payout under area approach (based on

CCEs data) is more than localized losses,

the higher claims of two will be payable to

insured farmers.

4. If the affected area under a notified

crop is more than 25% of the total insured

area in a notified insurance unit, all the

eligible farmers (who has taken insurance

for the notified crop, which has been

damaged, and informed about occurrence

of calamity in the farm within the stipulated

time) in the notified insurance unit would

be deemed to have suffered localised loss

and would be eligible for financial support.

Percentage of loss would be arrived at by

requisite percentage of sample survey (as

decided the Joint Committee) of affected

area by the insurance company.

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b) Proxy-indicators:— Report in the local

media or reports of the agriculture/revenue

department supported by media reports

and other evidences.

c) Loss assessment procedure:—

• The loss would be jointly assessed by a

team comprising of loss assessor

appointed by the insurer, block level

agriculture officer and the concerned

farmer.

• The loss assessors would be appointed

the

insurance

company

for

assessment of losses due to the

operations of Localized Risks (Yield

Insurance).

• Maximum liability would be limited to

proportionate Sum Insured of damaged

cropped area.

Time and method of reporting the loss

claims:

i. immediate intimation (within 72 hours)

by the insured farmer to any one as given

below.

ii. Intimation must contain details of

survey number-wise insured crop and

acreage affected.

iii. Premium payment verification to be

reported in next 48 hours by the farmer/

Bank.

iv. Mobile application may be used for

reporting incidents of localized risks for

intimation of events including longitude/

latitude details and pictures using NRSC

Mobile App.

d) Whom to be reported i.e. Channel of

reporting:— Intimation may be given

within 48 hours by farmer either directly

to the insurance concerned bank, local

agriculture department Government/

district officials or through toll free number

to insurance company. First mode of

intimation will be centralized Toll Free

Number and in absence of such facility,

the report can be given to banks or

Government officials, the same would be

forwarded/intimated to the insurance

company immediately on receipt of such

information. The banks would verify the

insured details like crop insured, sum

insured, premium debited and date of debit

before sending the same to insurance

company.

Documentary evidence required for claim

assessment:

• Duly filled claim form along with all

relevant documents is requisite for

payment

claims.

However,

information on all the columns is not

readily available, semi-filled form may be

sent to the insurance company and later

within 7 days of the loss, filled form may

be submitted.

• Evidence of crop loss through capturing

pictures using mobile application, if any.

• Local Newspaper cutting to substantiate

occurrence of loss event and severity of

the loss, if any.

Time frame for loss assessment and

submission of report:

• Appointment of loss assessor within 48

hours.

• Loss assessment to be completed within

next 10 days.

• Claim settlement to be completed in next

15 days (subject to receipt of premium)

e) Important conditions:— i. Mere

disbursement/sanction of loan without

receipt debit of premium before the

occurrence of insured peril would not make

a farmer eligible for claim.

ii. When affected area is limited upto 25%

of total insured area in the notified

insurance unit, the losses of eligible farmers

would be assessed individually provided

they have paid premium prior to

occurrence of insurance peril.

iii. The pay-out under the cover would

be disbursed by the insurance company

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only after the receipt of Government share

of premium subsidy.

iv. The insurance company would

disburse the claim, if payable within 15

days of survey of loss.

v. If, at the end of season, based on the

yield data, claim is more than the claim

under this cover, the balance would be paid

at the end of the season under widespread

claims

vi. Farmers getting enrolled or whose

premium is debited after occurrence of

insurance peril would not be eligible for

financial support under this cover.

vii. Bank would remit farmers premium

with farmers list within 7 days of intimation

of loss under this section, if not sent earlier.

XV. Procedure for Settlement of Claims to

the farmers.— 1. Upfront premium subsidy

from Government of India and State should

have been received for the season, by

insurance company to enable them to settle

the claim.

2. In case of widespread calamity (end of

season claims), once yield data is received

from State Government as per the cut-off-

dates decided, claims will be worked

out as per Declarations/proposals received

from banks/channel partners/insurance

intermediaries for each notified area and

crops and claims will be approved by

Competent Authority of insurance company

i.e. Implementing Agency (IA).

3. In case of farmers covered through

Financial Institution, claims shall be released

only through electronic transfer, followed by

hard copy containing claim particulars, to

individual bank branches/nodal banks; and

banks branches/PACs at grass root level, will

credit into accounts of individual farmers

within a week of receipt of funds from the

Insurance companies and shall provide a

certificate to the insurance companies along

with list of farmers benefited. Bank Branch

should also display particulars of beneficiaries

on notice board and also upload the same on

crop insurance portal.

4. In case of farmers covered on voluntary

basis through intermediaries, payable claim

will directly credited to the concerned bank

account of insured farmers and details of the

claims may also intimated to them. The list of

beneficiaries may also be uploaded on the

crop insurance portal immediately.

5. In ease of claims under prevented/failed

sowing, localized calamities, post-harvest

losses; insurance company will process the

claims after assessment and shall release the

claims as per procedure given in the relevant

sections above.

6. Insurance companies shall resolve all the

grievances of the insured farmers and other

stakeholders in the shortest possible time.

7. Disputed claims/sub-standard claims, if

any will be referred within three months of

claim disbursement through SLCCCI/State

Government to DA & FW for consideration

and decision of DA & FW in case of any

interpretation of provisions of scheme or

disputes will be binding on State Government

/Insurance Company/Banks and the farmers.

Note: Inundation peril is not applicable in the

case of hydrophilic crops like Paddy & Sugarcane

XVI.

Claim

Liabilities.—

Insurance

company shall take all necessary steps to take

appropriate reinsurance cover for their

portfolio in order to safeguard insured’s

interest. In case premium to claims ratio

exceeds 1.3.5 or percentage of claims to Sum

Insured exceeds 35%, whichever is higher,

at the National Level in a crop season, then

Government will provide protection to IAs.

The losses exceeding the above mentioned

level in the crop season would be met by

equal contribution of the Central Government

and the concerned State/UT Governments.

The liability of payment of all claims shall

however be of the concerned IAs only. In

case of fulfillment of above mentioned

condition, States/UTs where the losses exceed

the above ceiling level insurers shall be

responsible to settle the admissible claim.

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XVII. Commission and Bank Charges.—

Bank and other financial institutions etc. shall

be paid service charges @ 4% of the premium

collected from farmers. Rural agents engaged

in providing insurance related services to

farmers

would

paid

appropriate

commission as decided by the insurance

company, subject to cap prescribed under

IRDA regulations.

XVIII. Service Tax.— PMFBY is a

replacement scheme of NAIS/MNAIS, and

hence exempted from Service Tax/GST.

XIX.— Role and Responsibilities of Various

Agencies:— For successful implementation

and administration of scheme, roles of

various Agencies/Institutions/Government

Departments/Committees are spelt out

herein.

a) State Government.— 1. To constitute

the State Level Co-ordination Committee on

Crop Insurance (SLCCCI) with adequate

representation of all stakeholders. The

composition

SLCCCI

may

strengthened suitably from time to time to

give representation to all the concerned

participants including farmers in the

implementation of the scheme.

2. To set up and notify State Level

Technical Advisory Committee (STAC) and

State Level Grievance Redressal Committee

(SGRC) at State level.

3. To set up and notify the District Level

Monitoring Committee (DLMC), District

Level Grievance Redressal Committee

(DGRC), District Level Joint Committee and

District Level Steering Committee for CCEs

and to hold regular meeting and ensure

frequency of meetings at the district level.

4. To undertake extensive awareness

and publicity campaigns of scheme

amongst farming community through

agriculture and extension Departments to

maximize coverage of the farmers specially

non-loanee farmers.

5. To furnish to the insurance companies

the insurance unit wise area sown of

insured crops within two months from the

sowing period.

6. Assist insurance companies for

assessment of crop loss of individual

insured farmers caused by localized perils

and also assist in post-harvest losses.

7. Will allow insurance companies to

co-observe and witness CCEs, and permit

them to access various records at grass

root/district/state level used for recording

data of CCEs by States.

b) Roles of Insurance Companies:— 1. ICs

to liaise with State Governments and

Agencies/Institutions/Committees involved

in the implementation of PMFBY and

regular

participation

meetings

conducted.

2. Undertake underwriting-responsi-

bilities for processing and acceptance of

risk strictly as an in-house activity. It should

not to be outsourced.

3. Claim processing/finalization on

receipt of yield data from States/UTs and

payment within the prescribed timelines.

Claims shall be remitted directly into the

designated bank accounts of farmers

through the portal after the activation of

necessary module.

4. Obtain Re-insurance arrangements, if

necessary.

5. To verify the bank/land records when

claims are reported due to clerical errors/

omissions. This can be done only before

the approval of claims.

6. Disclose details of the designated

Agents in writing before the inception of

non-loanee farmers enrolment for the

season to the concerned authority.

7. Ensure timely payment of commission/

service charges to banks/CSCs/BCs for

implementing the scheme.

8. Awareness and publicity–Undertake

extensive efforts to create awareness and

generate publicity at the grass-root level

including bank branches. Also coordinate

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1638

with the States and other agencies for

awareness and publicity of the scheme.

Refer to the IEC and training activities

detailed in section 26 of the guidelines.

9. Provide requisite returns/statistics/

information demanded by the Central and

State Governments.

10. Handhold Bank branches and

facilitate their training and capacity

building especially in terms of timely

digitizing details of the insured farmers with

all requisite details on NCIP.

11. Ensure intermediaries/agents digitize

the details of insured farmers and

beneficiaries with all requisite details on

NCIP well in time.

12. Redressal of all Public Grievances

within the time fixed by the IRDAI. Maintain

a centralized farmer’s help line number

(Toll Free Number) to be used for

addressing the grievances of farmers. It will

be based on a docket system with the

provision of forwarding the grievances to

respective ICs for resolution. Maintenance

of the record of grievances received from

different sources and its disposal.

13. The coverage of eligible loanee

farmers should be carried out by ICs

through the banks/FIs. Coverage through

agents/brokers is not allowed.

14. Establish a functional office at the

sub-district level i.e. Tehsil/Block level in

each District and at least one agent should

be deployed at each Tehsil/Block level

office in the allocated Districts. The district

office be headed by the IC representative

who should be an Agri Graduate. Details

of the offices at the district level including

contact number of the person should

compulsorily be uploaded on NCIP.

15. Deployment of sufficient manpower

to co-observe CCEs and allied activities.

Ensure compulsory co-observance through

CCE-Agri App.

16. At the beginning of each crop season,

concerned ICs need to prepare a

stakeholder-wise micro level IEC and

training activity plan and ensure strict

implementation of the same. Undertake

IEC activities as detailed in section 26.

17. ICs to compulsorily share the list of

the beneficiary farmers along with the claim

details to the bank branches to be

displayed for the information of farmers.

18. Develop crop-yield and weather data

bases, along with related agri-insurance

data bases.

c) Financial Institutions/Banks:— 1. To

Communicate Notification, as well as other

directives, guidelines, etc. to all agencies

within their jurisdictional area.

2. Ensure that all agencies within their

jurisdictional area sanction additional loan

component to loanee farmers towards

premium payable by them.

3. Ensure that all service (subordinate)

bank branches within their jurisdictional

area serve all non-loanee farmers desiring

and eligible to take insurance cover under

PMFBY. Such service will include opening

bank account of non-loanee farmers,

guiding them to fill up proposal forms,

accepting premium from them and

maintaining records etc.

4. Ensure that, for both loanee and non-

loanee farmers separately, premium and

related data is remitted to nodal bank,

wherever applicable, within the prescribed

time.

5. Lead bank/Nodal banks should ensure

that all the eligible crop loans/seasonal

operational loans taken for notified crop(s)

are fully insured and the conditions stated

in the declarations submitted have been

complied with. No farmer should be

deprived from insurance cover. Nodal banks

therefore, should make all out efforts and

pursue their branches for enrolling all

eligible loanee farmers and interested non-

loanee farmers under crop insurance. In

case, claims have arisen during crop

season then respective bank and its

branches would be responsible to make

payment of the admissible claims to loanee

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farmers who were deprived from insurance

cover to their crops.

6. Nodal bank/Branches will also

arrange for onward transmission to service

(subordinate)

bank

branches/PACS,

compensation amounts as received from

insurance companies with all details, to be

credited to beneficiary accounts.

7. The Nodal Banks/Administrative

offices would also collect the list of

individual insured farmers with requisite

details like name, fathers’ name, Bank

Account number, village, categories-Small

and Marginal/SC/ST/Women, insured

acreage, insured crop(s), sum insured,

premium collected, Government subsidy

etc. from concerned PACS/Bank Branch in

soft copy for further reconciliation and send

the same to the concerned insurance

company within 15 days after final cut-off

date for submission of proposal to insurance

company.

8. Insurance company shall acknow-

ledge all the declarations submitted by the

banks mentioning the details of crop, area,

sum insured etc. The banks should cross

check with their records and aberrations,

if any, should be brought to the notice of

the insurance company immediately. If no

response is received from banks within 15

days, the details given in the acknowledge-

ment shall be considered final and no

changes would be accepted later on.

9. Soft copy of the beneficiary’ farmers

would also be uploaded directly on Crop

Insurance portal by bank branch/PACS

through Nodal Bank to concerned

Insurance companies for uploading the

same in their web-site.

10. To permit insurance company with

access to all relevant records/ledgers at

the Nodal Bank/Branch/PACS at all times

for the purpose of implementation of the

scheme.

11. Banks should ensure that cultivator

may not be deprived of any benefit under

the scheme due to errors/omissions/

commissions of the concerned branch/

PACS, and in case of such errors, the

concerned institutions shall only make good

all such losses.

d) Lending Banks/RFIs:— a) To educate

the cultivators on the scheme features.

b) To maintain the records of proposal

forms, the other relevant documents and

statements for the purpose of scrutiny/

verification by insurance company or its

authorized representatives and DLMC.

c) Allow insurance company access to

all relevant records and registers at offices

of Nodal Bank and service (subordinate)

bank branches within their jurisdictional

area.

d) To capture all relevant data including

land and crop details of all loanee farmers

covered compulsorily as well as non loanee

farmers availing crop insurance through

them.

e) Designated Insurance Agents:— 1. To

educate the farmers about the features of

the scheme.

2. To guide the farmers in filing the

insurance proposal/application in the

prescribed format and collecting the

required documents along with Aadhaar

Number and Mobile Number from non-

loanee farmers.

3. Collect the premium on behalf of the

IC, as per the provisions of the scheme and

issue acknowledgement receipt of proposal

to the farmer.

4. To enter details along with requisite

documents of the individually insured

farmer on NCIP, transfer the consolidated

premium to the concerned IC electronically

and

digitize

the

payment

details

compulsorily on the NCIP within the

respective cut-off dates. Insurance

coverage will only be valid for those insured

farmers whose farmers premium is

remitted electronically to the ICs and

remittance details are entered/uploaded on

NCIP within the respective cut off dates.

OFFICIAL GAZETTE — GOVT. OF GOA

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5. Ensure that the insured farmers are not deprived of any benefit under the scheme due

to errors/omissions/commissions, and if any, the Insurance Company shall make good all

such losses. Necessary administrative and legal action may also be taken for lapses in

service/malpractices, if, reported.

The implementation of the scheme will be governed by Revemped Operational Guidelines

on PMFBY and administrative approval issued by DA&FW, Government of India. In the

event of any conflict in provisions in this notification and Revemped Operational Guidelines

for PMFBY issued by DA&FW, Government of India later will prevail.

By order and in the name of the Governor of Goa.

Nevil Alphonso, Director & ex officio Joint Secretary (Agriculture).

Tonca-Caranzalem, 25th July, 2023.

_______

ANNEXURE–I

PRADHAN MANTRI FASAL BIMA YOJANA (PMFBY) GOA

Kharif & Rabi Season 2023 to 2025-26

Details of Implementing Agency

District: North Goa

Name of the

Head Office

Contact person

Local Office

Insurance Company

details

Bajaj Allianz

Bajaj Allianz House,

Ashish Agarwal,

3C & D,”Sesa Ghor”

General Insurance

Airport Road,

In the Capacity of Head

20 Patto Plaza,

Company Limited

Yerawada, Pune,

Agri Business,

EDC Complex,

411006

Contact No. 8600227291

Panaji, Goa-403001

Email-

[email protected]

District: South Goa

Name of the

Head Office

Contact person

Local Office

Insurance Company

details

Agriculture

Plate B & C, 5th Floor,

Kanika Sharma Shandil,

Insurance

Block 1, East

In the capacity of

Company of India

Kidwai Nagar,

Deputy Manager

Limited

New Delhi-110023

Contact No. 9560729555

[email protected]

ANNEXURE–II

PRADHAN MANTRI FASAL BIMA YOJANA (PMFBY) GOA

The crop wise areas to be covered under the Scheme for Kharif & Rabi Season

District: North Goa

KHARIF SEASON 2023 to 2025-26

Sr. No.

Crop

Normal Area

Expected area

Sum insured

Sown (Ha)

insured (Ha)

(Per Ha)

Paddy

10554

500

66750

Pulses

37500

Groundnut

47500

Sugarcane

150000

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RABI SEASON 2023 to 2025-26

Paddy

2356

100

66750

Pulses

3268

150

37500

Groundnut

47500

District: South Goa

KHARIF SEASON 2023 to 2025-26

Sr. No.

Crop

Normal Area

Expected area

Sum insured

Sown (Ha)

insured (Ha)

(Per Ha)

Paddy

12734

500

66750

Pulses

37500

Sugarcane

498

150000

RABI SEASON 2023 to 2025-26

Paddy

6881

300

66750

Pulses

572

37500

ANNEXURE–III

PRADHAN MANTRI FASAL BIMA YOJANA (PMFBY) GOA

Indemnity Level, Sum Insured Limits, Premium Rates

District: North Goa

KHARIF SEASON 2023 to 2025-26

LOANEE/NON LOANEE FARMERS

Sr. No.

Notified Crops

Indemnity Level

Premium Rate

Sum Insured

Actuarial

To be paid by

(%)

farmers (%)

Paddy

80%

2.50

2.00

66750

Pulses

80%

2.00

37500

Groundnut

80%

2.00

47500

Sugarcane

80%

10.00

5.00

150000

RABI SEASON 2023 to 2025-26

Paddy

80%

5.00

1.50

66750

Pulses

80%

3.00

1.50

37500

Groundnut

80%

2.00

1.50

47500

District: South Goa

KHARIF SEASON 2023 to 2025-26

LOANEE/NON LOANEE FARMERS

Sr. No.

Notified Crops

Indemnity Level

Premium Rate

Sum Insured

Actuarial

To be paid by

(%)

farmers (%)

Paddy

80%

3.10

2.00

66750

Pulses

80%

9.00

2.00

37500

Sugarcane

80%

10.50

5.00

150000

RABI SEASON 2023 to 2025-26

Paddy

80%

3.75

1.50

66750

Pulses

80%

9.00

1.50

37500

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ANNEXURE–IV

The broad indicative seasonality disciplin will be as per the following:

Sr. No.

Activities

Kharif

Rabi

Cut-off date for receipt of Applications of

31st July,

15th December,

farmers/debit of premium from farmers

account (loanee and non-loanee) by all

stakeholders including banks/PACS/CSC/

/insurance agent/online enrolment by

farmers etc.

Cut-off date for intimation of change of

2 working days prior to

insured crop by the loanee & Non loanee

cut-off date for debit/

farmers.

/collection of premium

from farmers

Cut-off date for electronic remittance of

15th August

31st December

premium along with consolidated

Declarations to respective Insurance

Company and uploading of details of

individual covered farmers on crop

insurance Portal by Bank branches

(CBs/RBs/DCCBs/PACs), followed by

SMS to all insured farmers from Portal

Cut-off-date for electronic remittance

Within 48 hours of receipt

Within 48 hours of

of farmer premium to Insurance

of application & premium.

receipt of application

Companies for farmers covered on

& premium.

Voluntary basis by designated insurance

Agent(s) and uploading of details of

individual covered farmers on crop

insurance Portal.

Cut-off date for Insurer to accept or

Within 15 days from the

reject the farmer’s data on Portal.

cut-off date for uploading

of data/information by

Banks/PACS/CSC/Agent

respectively. For loanee

and within 30 days for

non loanee

Cut-off date for CSCs/Banks/Intermediary Within 7 days from the

Within 7 days from the

to correct/update the paid application

date of intimation by ICs

intimated by ICs on Crop Insurance

Portal.

Cut-off date for Insurer to accept the

Within 7 days from the date

Within 7 days from the

corrected/updated applications.

of submission of correction/ date of submission of

/updation by the Bank/CSC correction/updation by

the Bank/CSC

Cut-off date for Banks/ICs to hand over

Within 7 days from

insurance acknowledgement receipt

acceptance of proposal

along with folio to the insured farmer.

by concerned Insurance

Company on Portal.

Cut off date for processing of

60 days from the cut off

applications by Ics and auto approval of

date for enrolment/debit

application of insured farmers on crop

of premium from farmers

insurance Portal.

OFFICIAL GAZETTE — GOVT. OF GOA

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10.

Payment of final claims based on yield

Receipt of yield data,

data

premium subsidy & crop

acreage company will

settle claim within three

settle claim within

week time.

three week time.

ANNEXURE- V

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Details of Notified Insurance Cluster Units in the State of Goa

Sr.

Name of the

Sr. No.

Name of the Cluster

Name of the Village

No.

Taluka

Panchayat

North Goa District

Pernem

Pernem Cluster 1

1. Agarwada-Chopdem

2. Allorna

3. Arambol

4. Casarvane

5. Casne-Amere-Poroscodem

6. Chandel-Hassapur

7. Corgao

8. Dhargalim

9. Ibrampur

10. Mandrem

Pernem Cluster 2

1. Morjim

2. Ozorim

3. Paliem

4. Parcem

5. Querim-Terekhol

6. Tamboxem-Mopa-Uguem

7. Torxem

8. Tuem

9. Varcond-Nagzor

10. Virnoda

Bardez

Bardez Cluster 1

1. Aldona

2. Anjuna-Caisua

3. Arpora-Nagoa

4. Assagao

5. Assonora

6. Bastora

7. Calangute

8. Camurlim

9. Candolim

10. Colvale

11. Guirim

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Bardez Cluster 2

1. Moira

2. Nachinola

3. Nadora

4. Nerul

5. Oxel

6. Parra

7. Penha-de France

8. Pilerne-Marra

9. Pirna

10. Pomburpa-Olaulim

11. Reis-Magos

Bardez

Bardez Cluster 3

1. Revora

2. Saligao

3. Salvador-do-Mundo

4. Sangolda

5. Siolim-Marna

6. Siolim-Sodiem

7. Sirsaim

8. Socorro

9. Tivim

10. Ucassaim-Paliem-Punola

11. Verla Canca

III

Tiswadi

Tiswadi Cluster 1

1. Azossim-Mandur

2. Batim

3. Carambolim

4. Chimbel

5. Chodan-Madel

6. Corlim

7 . Cumbharjua

8. Curca-Bambolim-Talaulim

9. Golti-Naveli

10. Merces

Tiswadi Cluster 2

1. Neura

2. St. Cruz

3. Siridao-Pale

4. St. Andre (Goa Velha)

5. St. Estevam

6. St. Lawrence (Agassaim)

7. Sao Matias

8. Se Old Goa

9. Taleigao

Bicholim

Bicholim Cluster 1

1. Advalpale

2. Amona

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3. Cudnem

4. Carapur-Sarvan

5. Latambarcem

6. Mayem-Vaiguinim

7. Mencurem-Dhumacem

8. Mulgao

9. Naroa

Bicholim

Bicholim Cluster 2

1. Navelim

2. Ona-Maulingem-Curchirem

3. Pale-Cothombi

4. Piligao

5. Salem

6. Sirigao

7. Surla

8. Velguem

9. Harvelem

Sattari

Sattari Cluster

1. Bhirondem

2. Cotorem

3. Dongurli-Thane

4. Guleli

5. Honda

6. Mauxi

7. Morlem

8. Nagargao

9. Pissurlem

10. Poriem

11. Querim

12. Sanvordem

South Goa District

Ponda

Ponda Cluster 1

1. Bandora

2. Betora Nirankal-Conxem-Codar

3. Betki-Khandola

4. Bhoma-Adcolna

5. Borim

6. Cundaim

7. Curti Khandepar

8. Durbhat

9. Marcaim

10. Panchawadi

Ponda Cluster 2

1. Queula

2. Querim

3. Shiroda

4. Tivre-Orgao

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5. Usgao-Ganjem

6. Veling-Priol-Cuncoliem

7. Verem-Vaghurme

8. Volvoi

9. Wadi-Telaulim

VII

Salcete

Salcete Cluster 1

1. Ambelim

2. Aquem-Baixo

3. Assolna

4. Betalbatim

5. Camurlim

6. Cana-Benaulim

7. Carmona

8. Cavelossim

9. Chandor-Cavorim

10. Chinchinim-Deusaua

11. Colva

12. Curtorim

13. Davorlim-Dicarpale

14. Dramapur-Sirlim

15. Guirdolim

Salcete Cluster 2

1. Loutolim

2. Macazana

3. Navelim

4. Nuvem

5. Orlim

6. Paroda

7. Raia

8. Rachol

9. Rumdamol-Davorlim

10. Sarzora

11. Seraulim

12. Sao Jose De Areal

13. Telaulim

14. Varca

15. Velim

VIII

Marmugao

Marmugao Cluster

1. Cansaulim-Arossim-Cuelim

2. Chicalim

3. Chicolna

4. Cortalim-Quelossim

5. Majorda-Utorda-Calata

6. Nagoa

7. Sancoale

8. Velsao-Pale-Issorcim

9. Verna

10. Quelossim

OFFICIAL GAZETTE — GOVT. OF GOA

SERIES I No. 17

(SUPPLEMENT)

27TH JULY, 2023

1647

www.goaprintingpress.gov.in

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PRICE – Rs. 21.00

PRINTED AT THE GOVERNMENT PRINTING PRESS, PANAJI-GOA—156/100—07/2023.

Quepem

Quepem Cluster

1. Ambaulim

2. Assolda

3. Avedem-Cothombi-Chaifi

4. Balli-Adnem

5. Barcem-Quedem

6. Caorem-Pirla

7. Fatorpa-Quitol

8. Molcornem

9. Morpirla

10. Naqueri-Betul

11. Xeldem

Sanguem

Sanguem Cluster

1. Bhati

2. Kalay

3. Curdi-Vadem

4. Neturlim

5. Rivona

6. Sanvordem

7. Uguem

Dharbandora

Dharbandora Cluster

1. Collem

2. Dharbandora

3. Kirlapal-Dabal

4. Mollem

5. Sancordem

XII

Canacona

Canacona Cluster

1. Agonda

2. Cola

3. Cotigao

4. Gaondongrim

5. Loliem-Polem

6. Poinguinim

7. Shristhal