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This is to say that Rajendra Prajapati, a farmer from Khandwa. They say, the government has cheated in the name of crop insurance scheme. The government and the insurance company, by giving the amount of the claim, accepted themselves that the crop was damaged in the Kharif season 2024, but the claim of Rs 1274, it is not understood by the mathematics. We have loaded 5 times more than this in the premium. The Central and State Government have a four-fold contribution.
The farmer gave a check to get DD for the Prime Minister’s Office.
4 lakh claim on 7 lakh crop Farmer Rajendra Prajapati says that 25 acres of ancestral land is located in village Mordad, 15 km from the city. He sowed a soybean crop on 21 acres in 2024. Being a brick-kiln business, they usually grow wheat-soybean crops. Unfortunately, due to lack of good rains that year, his soybean crop deteriorated. The surveyor of the insurance company also inspected the field.
Under the process of crop insurance, he took a KCC loan from the bank. Out of this loan, the bank had paid 6 thousand rupees to the insurance company with their consent, they were told that the farmer’s contribution to 10% of the total premium amount is only 2%. The remaining 4% will be given by the Central Government and 4% by the State Government. Thus, a total of 30 thousand rupees were paid to the insurance company, including their 6 thousand rupees and 12,000-12,000 rupees of the central-state governments.
Rajendra Prajapati estimated that 21 acres of land would produce an average of 7 quintals per acre, giving a total of 140 quintals of soybean. At that time, the market and market price of soybean was around Rs 5,000 per quintal. Accordingly, the value of their crop would have been 7 lakh rupees. According to the premium amount he had deposited, he should have got a claim of Rs 3 lakh 40 thousand on more than 50% damage. However, the insurance company (HDFC) gave him a claim of only Rs 1,274, which is very low. They are also ashamed to withdraw such a small amount from the bank account.
Many farmers said- insurance came less than premium Village Attar farmer Anil Kanhaiyalal told that he has 15 acres of land. Last year, the land was insured in the Kharif season, on which the premium was deducted at Rs 4570, whose insurance amount came to his account only Rs 1387. Similarly, Kanhaiyalal has received insurance of Rs 1387, while his premium was cut 4732. At the same time, Gangalal of the village is Rs 1200., Kamalchand Nathu for Rs 2200, Shubham Kamalchand 2400 rupees, Rakesh Nathu’s Rs 2400 premium, but he did not get the insurance amount. All of them have five hectares of land.
17 acre claim received just Rs 2575 Harsingh Chauhan, a farmer from Rohini (Javar) village, said that he has a total of 17 acres of land including 10 acre. A total premium of Rs 5500 was deposited in the crop insurance scheme. This premium is about 27 thousand 500 rupees, including the contribution of the government. Now if the amount of insurance claim is received, then a total amount of Rs 2575 has come in the account. This amount is also a total sum of all 10 areas. 19 and 25 rupees have also been found in some area. While the soybean crop was completely ruined.
In 2024, cattle were released into the field when the soybean crop deteriorated.
2650 rupees insured, no amount was received National Kisan-laborer Union Minister Trilokchand Patel says that he had insured Rs 2650 for the Kharif season of 2024. During that time, after the crop malfunction, he also complained and conducted a survey with the insurance company. Now after one and a half years, farmers have been paid insurance claims. In this, I have not even got a claim of one rupee. This scheme for the benefit of farmers has become a victim of fraud. The government and insurance companies have been revealed.
The amount was transferred with single click this month A year ago, the insurance amount of crops damaged was transferred to farmers’ accounts through single click this month. This amount of insurance also came half of the premium deposited in the accounts of many farmers. While many farmers were deprived of insurance amount. 3.50 crore rupees have been transferred to the accounts of farmers of Khandwa district, there are some farmers who have come down due to technical problem or not. The farmers complained to the Collector and the Chief Minister. The government has assured to investigate and take action.
The soybean crop was damaged due to lack of water.
In Khandwa district, 20 percent farmers provide crop insurance According to the Agriculture Department, the number of farmers cultivating in the district is about one and a half lakhs, but out of these, 30 thousand farmers are such that they get their crops insured by the insurance company declared by the government. Last year, in the Kharif season, about the same number of farmers had insured their soybean, maize and other crops. The insurance company conducted a survey when crops were damaged due to natural disaster.
Insurance company bid- technical problem, complete insurance will be available District Manager of Pradhan Mantri Crop Insurance Scheme Rahul Soni said that there are some farmers in the district, who have received less insurance due to technical problems. While the insurance process of some farmers is in practice. A complaint was made to the administration by them, the information of which has been sent to the government level. Soon, 100 percent crop insurance will be provided to farmers by technical improvement.
Patel said- government cheated Jai Patel, spokesperson of the joint farming organization, says that the amount of insurance claim to the farmers has been paid to the camel’s mouth. The government is cheating farmers in collaboration with big companies. In the name of insurance premium, money is being taken from farmers, the government’s money is also being lost.
In this way, understand the mathematics of insurance premium In the PM crop insurance scheme, the farmer pays a maximum of 2% for kharif crops, 1.5% for rabi crops and 5% premium for commercial and horticulture crops. The central and state governments pay the remaining premium in a ratio of 50–50 percent. Due to which farmers get complete insurance protection at minimum premium. For example, if the farmer has a total insurance premium of 4,000 for the Kharif crop, then the farmer will pay only 800 (which is 2%). Out of the remaining 3,200, 1,600 are borne by the Central Government and 1,600 State Government.
Farmers can also take advantage of personal insurance claim According to the insurance company, farmers’ crop damage is assessed with patwari lightly as well as individually. If the crop of the farmer has deteriorated due to natural disaster, then within 72 hours, he contact the toll free number 14447 of the Prime Minister’s Crop Insurance Scheme and filed his complaint. The complaint is quite easy to file. The farmer can call the helpline number from any mobile number and inform the crop damage. He only has to tell his Aadhaar number or bank account number.
After this, the surveyor of the insurance company, the officials of the Department of Agriculture and Revenue will survey the crop of crop in the farm of the concerned farmer. In the presence of officials, the Panchnama report is ready and assessed the damage. On the basis of this, the claim is given. The special thing is that the claim is also given at a minimum loss of 15%.
A total of 80 thousand farmers are insured in Khandwa district. Out of these 2024 insurance claims have been received by 10 thousand 408 farmers. Among which an amount of three and a half crore rupees has been distributed. There are many farmers, who have also received insurance claim of Rs 1.5 lakh, 96 thousand rupees, 75 thousand rupees and 18 thousand rupees. These farmers had lodged a personal complaint on their crop failure, on the basis of which the damage was assessed.