The main aim of the scheme is to stabilize farmers’ income, particularly in disaster years by providing insurance coverage and to provide financial support to the farmers in the event of failure of any of the notified crops as a result of natural calamities, pests, and diseases.

Agriculture, Farmers Welfare & Co-operation Department, Government of Gujarat

The scheme was implemented in Gujarat State in the year 1999-2000 (Rabi/Summer season).

A total of 26 crops are covered under the scheme.

Kharif Crops: Paddy, Bajra, Maize, Ragi, Sorghum, Tur (Arhar), Green Gram. Black Gram, Math, Groundnut, Sesamum, Castor, Cotton and Banana.

Rabi-Summer Crops: Irrigated Wheat, Un- Irrigated Wheat, Gram, Rape seed/Mustard, Summer Bajra, Summer Groundnut, Potato, Onion, Garlic, Cumin, Fennel, and Isabgul.

All farmers growing the notified crops in the notified areas are eligible for coverage.

Yes, this scheme is for all categories of people.

Yes, the applicant should be a permanent resident of Gujarat State.

Under this scheme, farmers are provided financial support in the event of failure of any of the notified crops as a result of natural calamities, pests, and diseases.

Agriculture Insurance Company of India Ltd. (AIC) is an implementing agency for NAIS. AIC collects premiums, & calculates, and sanctions the applicable claims, receives the claims share from the concerned Government, and settles the claims through nodal banks.

The claims under the scheme are calculated on the basis of a reduction in the yield per hectare for that year as compared to the threshold yield based on the average yield per hectare of the last five/three years. The yield per hectare is estimated on the basis of Crop Cutting Experiments (CCEs) being conducted by the Agriculture Department of State Govt.

The farmers are covered compulsorily and avail of seasonal agricultural Operation loans (crop loans) from financial institutions.

The farmers, who do not avail of crop loans, can participate in the scheme voluntarily by paying a premium for notified crop to the nodal bank of the concerned notified area.