Use of Technology in Crop

InsuranceRajeev Chawla, IAS

Principal Secretary to Government

Horticulture & Sericulture Department

Government of Karnataka

Index

• Issues in the present system

• New initiatives taken up by Karnataka

• Advantages of the new system

• Challenges faced in implementation

Issues in the present system

Crop Insurance

• Difficult to find out whether all loanee farmers have been covered under crop insurance.

• Farmer taking crop insurance multiple times for same land

• Government not able to know farmers who are not getting covered under crop insurance

• Delayed transfer of funds by banks to insurance companies may result in loss of cover for farmer

Crop Cutting Experiment

• Fully Opaque system

• Difficult to manage about 14000 primary workers

• Handling 89000 Experiments

• Experiment generation is a time consuming task

• Delay in submission of data to Government

• Crop Cutting Experiment data can be manipulated due to

▫ No supervision while crop cutting

▫ Scope for manipulation as data reaches Bangalore after months

Claims Settlements

• Settlement of claims get delayed by 12-18 months▫ Government not even aware when and whom amount has gone

• Under WBCIS calculation of payouts based on the weather parameters is a tedious task.

• Manually comparing the weather stations data –challenge.

New initiatives taken up by

Karnataka

Features

• Crop Insurance

▫ Fully work flow based web enabled system

▫ All 9000 bank branches used the IT system

▫ Facility to capture Aadhaar

▫ Connects to Land database

▫ All jurisdiction wise notified crops fed into the system.

No need to physically verify the hard copy of the notification.

No worry of non notified crop selection

Features of Samraksahane

BHOOMI RTC DATA

KSNDMC WEATHER DATA

NADACH-ACHERI

CASTE, FARMER

DATA

BANKS

INSURANCE COMPANIES

ECONOMICS & STATISTICS / REVENUE

DEPT. OF HORTICUTURE & AGRICULTURE

STAKEHOLDERSDATA INTEGRATION

MODULESCROP INSURANCE MODULE

DATA CENTER

*Application *DataServices Firewall

AADHAR FARMER DATA

Users

Administrator

• To create users and to approve master entries• Domain - GoK

Farmers

• For submitting the application• Not enabled for this season

Bank Operator

• Bank operator for insurance proposal entry• Domain -Any Bank Employee/Data Entry Operator

Bank Manager

• Bank Manager for insurance proposal approval and forwarding to insurance company

• Domain - Respective Bank Branch

Insurance Company

• Insurance company operator • Domain - Respective Insurance Company

Contd...

• The software is a web based module▫ The farmer can register from any where though internet.

• Insurance companies was provided facility to appoint intermediaries and enrol farmers at Raitha SamparkaKendras (Sub taluk level)

• Gram Panchayt can be use as data entry operator▫ Raise request and payment at Banks

• Mobile app for verification of Insured crops▫ To prevent area reduction factor

Features of Samrakshane

• Crop Cutting Experiment▫ Selection of Villages and Plot

Generating experiment details crop/GP/Hobli wise

Integrating with Bhoomi database for village and survey numberswith ownership information.

Auto Randomization of villages for Year and Season.

Auto selection of random number for selection of survey number.

Auto selection of random number for selection of plot .

▫ Using remote sensing data

Working with Mahalanobis centre for Cotton, Maize and Paddy

Selection of area propositionally in accordance with crop density

▫ High, Low and Medium

Contd...

• Assigning of Team for Field work

• Field Work▫ Two stage activity

Form 1 and Form 2

• All activities to be done on the mobile devices

• Form 1 activity▫ Two sets of 5 sy nos are selected.▫ Mobile nos of farmers, land co ordinates and photos

are captured

Contd...

• Form 2 activity

▫ One sy no from each of the two set would berandomly selected and shown for CCE.

▫ land co ordinates, data, videos and photos arecaptured

• The flexibility of the mobile app to work both in online and offline mode

▫ Connectivity at village level is still an issue

Advantages of the new systems

Crop Insurance

• Connect to Land Database (BHOOMI)▫ De duplication of Insured Land

▫ Helps in Government/ Insurance companies identifying the farmers not covered under Insurance.

• Need not require any information about notified crops▫ All are part of the software

• Connects to Aadhar▫ To ensure that that fake enrolment does not take place in the

name of farmer

Contd...

• Bank can verify the application submitted by applicant /bank itself and approve for insurance enrolment.

• SMS to farmers on updating him on various stages ofInsurance

• IU wise crop wise reports are available the Agriculture &Horticulture Departmental officers to verify the data▫ Mobile made available to confirm the data

▫ This check helps in minimising the application of Area ReductionFactor

Crop Cutting Experiments

• Connects to Bhoomi data for randomising the survey nos.

• Details of Crop Cutting Experiment captured with in the system▫ District level officers can check the status

• All the details of primary workers are also stored in the database.

• System know the jurisdiction of each and every worker▫ Therefore re assigning of experiments minimised

Contd...

• Generation of Experiments is very fast

• Schedules of experiments are SMS to theprimary workers▫ No need to have track of the dates of experiments

• All crop cutting experiments are capturedthough mobile phones.▫ Data pushed instantaneously to the server along

with photos, videos, GPS coordinates

Claim Settlement System

• CCE done using mobile devices

• The yield data is pushed instantaneously on to the server.

• Insurance Unit (IU) wise data would be populated.

• The software will then automatically calculate the payouts IU wise.

Contd...

• The data entry of term sheets

• Connects to weather database of Karnataka StateNatural Disaster Management Centre (KSNDMC)▫ 6000 Rain gauge stations▫ 800 Automated Weather stations

• Payouts are calculated based on the triggersindicated in the term sheets

• After completion of every phase farmer can knowthe payouts

MIS Report Generation

• The reports can be generated on the fly.▫ In the manual system it use to take months for just

compiling the reports

• Reports under Crop Insurance ▫ Farmers covered under district wise, bank branch wise,

crop wise, etc

• Reports under CCE▫ No of CCE scheduled week wise, No of CCE completed

along with yield and GPS.▫ Each Primary worker can be tracked with the help of the

MIS Which was impossible in the manual system

Transaction Reports

Analysis Reports

CCE Reports

Challenges faced in implementation

Crop Insurance

• Convincing the Administration in mandating the use of IT system

• Mapping the Gram Panchayat and Revenue Villages.

• Educating the banks in using the software.

• Training the bank officials.▫ 9000 bank branches

• Collection of Brank wise – branch wise Kisan Credit Card details

Contd...

• On a same survey no multiple crop loans are sanctioned bydifferent banks.

• Co-Operative scale of finance – very less but cover full extentof the survey no.

• Convincing the Co-operative Societies for covering the loaneefarmers▫ Many societies passed resolution not to cover

• The IT system follow the First Come First principle i.e thebank which enters first will be enrolled.▫ Banks are requesting to allow all the loan accounts on the survey

no and based on the loan sanctioned date enrolment should bedone.

Crop Cutting Experiment

• Mobilising the mobile devices

• Training 14000 primary workers

▫ On use of new technology

• Monitoring all the primary workers

▫ On a daily basis

▫ To ensure that the CCEs are not lapsed