Topic –Major crops cropping patterns in various parts of the country, different types of irrigation and irrigation systems storage, transport and marketing of agricultural produce and issues and related constraints; e-technology in the aid of farmers.
4) Discuss the challenges faced by the farmers in availing benefits under the PMFBY. Also, suggest some points to improve the performance of the scheme.(250 words)
Why this question
Pradhan Mantri Fasal Bima Yojana (PMFBY) is A flagship programme of the incumbent government. It is one of the programs included in Prime Minister’s award for excellence in public administration 2018. The issue is related to GS3 syllabus under the following heading-
Major crops cropping patterns in various parts of the country, different types of irrigation and irrigation systems storage, transport and marketing of agricultural produce and issues and related constraints; e-technology in the aid of farmers.
Key demand of the question
The question simply wants us to write in detail about the problems faced by farmers in availing benefits under the scheme. It also wants us to give suggestions to improve the performance of the scheme.
Discuss- we have to write in detail about both demands of the question- problems faced and suggestions for improvement. Be as exhaustive as possible in highlighting the number of problems. And also feel free to suggest radical but plausible ideas to improve the performance of the scheme.
Structure of the answer
Introduction- briefly describe the aim of PMFBY scheme and its strategy (providing financial support to farmers suffering crop losses/ damage, stabilizing income of farmers, adopt innovative and modern agricultural practices, ensure the flow of credit to the agriculture sector).
- Discuss in points the difficulties faced by farmers in availing benefits under the scheme. (e.g lack of awareness among the non-loanee farmers, delay in disbursal of claims, non-availability of information related to crops, complicated process of claiming insurance, difficulty in conducting crop cutting experiments, damage from wildlife not covered, high premium amount on cash crops)
- Discuss in points, how the scheme could be improvised.
e.g simplifying the process of applying for and claiming the Crop Insurance, conduct IEC activities to motivate farmers and enrol them under the scheme, the convergence of geotagging of Crop cutting experiments with the digitisation of land records, use of satellite imagery for assessing crop damage, dissemination of information to farmers
Conclusion- mention the need of agriculture department and revenue authorities to work in tandem for the inclusive coverage of all farmers under the scheme.