MNAIS - WBCIS Kharif 2015 Kerala

Modified National Agricultural Insurance
Scheme(MNAIS) for Kharif -2015 Season in

Kerala
AGRICULTURE INSURANCE COMPANY OF INDIA LTD.,

Regional Office( Kerala), 8th Floor, Carmel Towers,
Cotton Hill P.O ,Vazhuthacaud, Thiruvananthapuram-695 014.
Phone : 0471–2334493, 2334989 Fax : 0471-2334989
E-mail : ro.thiruvananthapuram@aicofindia.com
www.aicofindia.com
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Agriculture Insurance Company of India Ltd.,
th
Regional Office (Kerala) ,8 Floor, Carmel Towers, Cotton Hill PO ,Vazhuthacaud , Thiruvananthapuram
Ph: (0471)2334493, 2334989 Fax: (0471) 2334989
AICILROTVPM/MNAIS/NOTIF/F:2(7)/ 153 /2015 01.06.2015
National Crop Insurance Programme (NCIP)/ Rashtriya Fasal Bima Karyakram

(RFBK)
MODIFIED NATIONAL AGRICULTURAL INSURANCE SCHEME (MNAIS)
Kharif 2015 Season
To
All Nodal Banks ,

Nodal Agencies & Intermediaries
Dear Sir/Madam,
NOTIFICATION OF MNAIS FOR KHARIF 2015 SEASON & GUIDELINES FOR IMPLEMENTATION
Ref: Department of Agriculture & Cooperation, Ministry of Agriculture, Govt. of

India Letter No. 13015/02/2012-Credit II dated 20th March 2015
regarding approval for the Implementation of National Crop Insurance Programme
(NCIP) during Xllth Plan for Kharif 2015 Season - issue of Administrative
Instructions.
State Level Coordination Committee on Crop Insurance (SLCCCI)constituted as per

the provision of NCIP by Govt. of Kerala in its meeting held on 15th May 2015 has
decided to implement the Modified National Agricultural Insurance Scheme
(MNAIS) component of National Crop Insurance Programme (NCIP)/ Rashtriya
Fasal Bima Karyakram (RFBK) in the State of Kerala during Kharif 2015 season and
the copy of the relevant GO (Rt) No 991/2015 /AD dated 01.06.2015 is enclosed
herewith.
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Accordingly as the Implementing Agency and Designated Insurance Company of
the said Scheme ,we furnish below the relevant Guidelines for MNAIS
implementation .
1. DISTRICTS ,CROPS AND AREAS COVERED :
Crop District Notified Area List of Notified

Areas
Paddy Alappuzha,Kottayam,Pathanamthitta Selected Annexure NA-I
Panchayats enclosed
Banana All Districts ** All Blocks Annexure NA-II
enclosed
Tapioca All Districts All Blocks Annexure NA-II
enclosed
** In selected Panchayats/Municipalities where Banana is notified under

WBCIS( as per Annexure WB-III enclosed)the loanee farmers who have been
sanctioned loans during this season in these selected Panchayats/Municipalities
shall be insured ONLY UNDER WBCIS and loans sanctioned for Banana cultivation
in the remaining Panchayats/Municipalities shall be compulsorily insured under
MNAIS
2. UNIT AREA FOR CROP INSURANCE :
For Paddy Crop,Panchayatwould be the unit area of insurance and for Banana &
Tapioca the unit of insurance would be Block. The detailsof notified areas would
be as per Annexure NA-I for Paddy & Annexure NA-II for Banana & Tapioca
Crops
3. FARMERS ELIGIBLE FOR COVERAGE :
All farmers including sharecroppers, tenant farmers growing the notified crops in
the notified areas are eligible for coverage.
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These farmers could be:
(i) Individual owner - Cultivator / Tenant Farmers / Share Croppers
(ii) Farmers enrolled under contract farming, directly or through promoters /

organizers
(iii) Groups of farmers / societies serviced by Fertilizer Companies, Pesticide

firms, Crop Growers' associations, Self Help Groups (SHGs), Non-Governmental
Organizations(NGOs), and Others
The Scheme will extend coverage Component-wise:
a) Compulsory Component: All farmers availing Seasonal Agricultural Operations

(SAO)loans from Financial Institutions (i.e. Loanee Farmers) will be covered
compulsorily by the relevant Financial Institutions .Such eligible Loanee Farmers
who have sanctioned credit limit for these notified crops in these notified areas
need not submit any application for insuranceand the Financial Institution have
to comply all the formalities of compulsory insurance by submitting the
Declaration forms, Listing Sheets and requisite premium to AIC within the
stipulated cut off dates.
b) Voluntary Component: MNAIS will be optional / voluntary for all Non-Loanee

farmers.
4. RISKS COVERED &EXCLUSIONS :
a. STANDING CROP (Sowing to Harvesting)
Comprehensive risk insurance is provided to cover yield losses due to non-

preventable risks, viz.:
(i) Natural Fire and Lightning
(ii) Storm, Hailstorm, Cyclone, Typhoon, Tempest, Hurricane, Tornado etc.
(iii) Flood, lnundation and Landslide
(iv) Drought, Dry spells
(v) Pests / Diseases etc.
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b. PREVENTED SOWING / PLANTING RISK
In case farmer of an area is prevented from sowing / planting due to deficit

rainfall or adverse seasonal conditions, such insured farmer who failed to sow /
plant (but otherwise has every intention to sow / plant and incurred expenditure
for the purpose), shall be eligible for indemnity. The indemnity payable would be a
maximum of 25% of the sum-insured as per the methodology appended in
Annexure-B.
c. ON ACCOUNT PAYMENT OF CLAIMS
In case of adverse seasonal conditions during crop season viz. floods, prolonged
dry spell, severe drought, etc, an on-account payment up to 25% of the likely
claim may be paid during the season in consultation with State Government .The
payment would be effected only if the expected yield during the Season is less
than 50% of the normal yield as corroborated by weather indicators/agro met
data .In such a situation AIC shall pay 25% of likely claims in advance to the
farmers through nodal banks subject to final adjustment of claim assessed based
on the Crop Cutting Experiments (CCEs) on yield basis.
d. GENERAL EXCLUSIONS
Losses arising out of war & nuclear risks, malicious damage and other preventable
risks shall be excluded.
5. SUM INSURED LIMITS &COVERAGE :
a. LOANEE FARMERS (COMPULSORY COVERAGE)
In case of Loanee Farmers under Compulsory Component, Sum Insured would be

at least equal to theamount of CROP LOAN SANCTIONED ,which will be calculated
as the product of farmer’s areaunder cultivation (in hectare) declared / as
mentioned in loan application for that notified crop and per hectare Scale of
Finance (SoF) for the crop. Farmers can opt for Higher Sum insured ,higher than
the per Hactre SoF , which may extend upto the value of Threshold Yield (as per
Annexure NA-III Normal Sum Insured/Ha) with premium subsidy.Higher coverage
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upto 150% of the value of Average Yield on payment of full premium (as per
Annexure NA-III Additional Sum Insured/Ha) can also be opted.
In case of Loanee Farmers under Compulsory Component the Sum Insured would
be Crop Loan sanctioned amount irrespective of withdrawal/disbursement.
Wherever Normal Sum Insured/Ha is lower than the per Hactre Scale of Finance,
higher of the two will be the sum insured.
In case of Loanee farmers insurance charges i.e. Premium payable by these

farmers shall be additionally financed by loan disbursing office of the Bank, and
will be treated as additional component to the Scale of Finance [SoF| for the
purpose of obtaining loan. For loanee farmers if the amount of loan sanctioned
as per scale of finance is above the normal sum insured , the full amount
sanctioned would be eligible for premium subsidy as the full sanctioned amount
needs to be compulsorily covered.
b. NON-LOANEE FARMERS (OPTIONAL COVERAGE):
Farmers, who are cultivating the Notified Crop in the Notified Areas during the
season but not covered as Loanee Farmers, are considered as Non-loanee farmers
and are eligible under optional coverage. For such farmers covered on voluntary
basis the Sum Insured is upto the value of Threshold Yield of the insured crop (as
per Annexure NA-III Normal Sum Insured/Ha) at subsidized premium rates .Higher
coverage upto 150% of the value of Average Yield on payment of full premium (as
per Annexure NA-III Additional Sum Insured/Ha) can also be opted .
Such farmers shall fill up and submit the Proposal Form along with premium and
other documents to nearest Bank Branch or Authorised channel partners or
Insurance intermediaries of the Insurance Company within the stipulated cut-off-
date. Operating a Savings Bank Account is essential.
6. PREMIUM RATE, SUBSIDY AND SHARING OF PREMIUM SUBSIDY :
Full Premium Rates have been worked out on Actuarial Basis. Premium subsidy
shall be available to farmers only up to Compulsory coverage for loanee farmers
and value of Threshold Yield (TY)/Guaranteed Yield for non loanee farmers. The
difference between the Actuarial (Gross)Premium and the Premium payable by
the farmer upto Normal Sum Insured Limits is subsidized and shared between the
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Government of India and State Government .For District-wise , Crop-wise Full
Premium Rate and Net Farmer’s Premium Rate (after Subsidy), Please refer
Annexure NA-III
7. SHARING OF RISK :
Claim liability rests with Agriculture Insurance Company of India Ltd
8. SCHEME APPROACH AND UNIT OF INSURANCE :
a. Widespread Calamities
The Scheme would operate on the basis of ‘Area Approach' i.e., Defined Areas for
each notified crop for widespread calamities. The Defined Area (i.e., unit area of
insurance) for Paddy crop in Kharif 2015season is a‘Panchayat’ and for Banana &
Tapioca Crops it is a ‘Block’.
b. Localized Calamities
Indemnity for localized calamities is not implemented in Kerala
09. SEASONALITY DISCIPLINE :
For the Seasonality discipline and various cut-off datesfor coverage & submission
applicable for Loanee and Non-Loanee FarmersforKharif 2015 season,please
refer Annexure NA -IV .
10. ESTIMATION OF CROP YIELD AND SUBMISSION OF YIELD DATA :
The Department of Economics & Statistics (DES) will plan and conduct the
requisite number (4 nos in each Panchayat for Paddy and 16 nos in each Block for
Banana & Tapioca) of CropCutting Experiments (CCE’s) in order to assess the crop
yield. State Govt. will maintain single series of Crop Cutting Experiments and
resultant yield estimates, both for crop production estimates &cropinsurance.
Individual CCE-wise yield data will be submitted to insurer while submitting
the yield estimates at insurance unit level.The cut off dates for submission of yield
data for these crops by DES to AIC for processing the claims is as per Annexure
NA-V enclosed.
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11. INDEMNITY LEVEL AND THRESHOLD YIELD :
District-wise applicable Indemnity Levels for Paddy,Banana& Tapioca is as

per Annexure NA- III.
Threshold yield (TY) or Guaranteed Yield for the crop is the average yield of the
preceding 7 years (excluding 2 years of natural calamity declared) wherever
applicable, multiplied by applicable indemnity levels.
Claims will be settled only at the Notified Area (Panchayat/Block as the case may
be) level by considering the actual yield data of these Notified Areas and
comparing the same with the respective Guaranteed Yield .
12. NATURE OF COVERAGE AND INDEMNITY :
a. Widespread Calamities
Claims will be settled solely on the basis of the yield data as furnished by the
DES based on CCE conducted under GCES and not on any other basis such as
Annawari/Paisawari/declaration of natural calamity by Govt. dept./Agency or any
certificate to this effect(Crop loss certificate issued by Agriculture Officer/
Revenue Authority etc ) issued by any Government Authority.
b. On Account Payment of Claims
dry spell, severe drought, etc, an on-account payment up to 25% of the likely
claim may be paid during the season in consultation with State Government .The
payment would be effected only if the expected yield during the Season is less
than 50% of the normal yield as corroborated by weather indicators/agro met
data .In such a situation AIC shall pay 25% of likely claims in advance to the
farmers through nodal banks subject to adjustment of final claim assessed based
on CCE’s in the said notified areas.
In case at the end of the season, the yield based claims works out to be higher,
then the difference of claim would be payable and in case it happen to be lower,
then AIC reserves the right to recover the excess claim so paid to the farmer.
For this crop-wise and notified area-wise area sown details ,acreage of affected
areas, details of estimated losses and agro meteorological data needs to be
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submitted by Department of Agriculture to AIC. On receipt of above reports the
quantum of indemnity will be decided in consultation with State Govt. AIC shall
take all efforts to settle the claims within one month after the receipt of aforesaid
reports.
c. Prevented Sowing / Planting compensation: At times the insured area is

prevented from sowing/ planting due to deficit rainfall or adverse seasonal
conditions. If failure of sowing / germination is observed in more than 75% of the
area in the notified units, AIC shall pay the claims as given below and terminate
the insurance for further period.
1 Total Failure of Sowing 12.50% of SI as

Compensation
2 Sowing is done, but germination failure 18.75% of SI as

Compensation
3 After germination crop withering away at 25.00% of SI as

early state Compensation
For this crop-wise and notified area-wise area sown details ,acreage of affected
areas, details of estimated losses and agro meteorological data needs to be
submitted by Department of Agriculture to AIC. On receipt of relevant above
reports the quantum of indemnity will be decided in consultation with State Govt.
AIC shall settle the claims positively within one month after the receipt of
aforesaid reports.
Having received indemnity under Prevented Sowing / Planting compensation, the

insurance coverage will be automatically terminated i.e. the insurance cover
cease to operate for the subsequent period of the season.
d. Localized Risks:Indemnity for localized risks is not implemented in Kerala
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13. BANK SERVICE CHARGES :
The Servicing banks would be paid @4% of premium remitted as Bank Service
Charges.
14. ENROLMENT OF NON-LOANEE FARMERS :
Non-loanee farmers can avail insurance coverage under MNAIS through existing
banking network or through brokers / authorized agents / representatives of
AIC/UIIC subject to fulfillment of following conditions:
a. Non-loanee farmer must have an operational bank account in any bank
b. Farmer has to submit duly filled-in prescribed proposal form along with
documents insupport of his ownership of land and crop cultivated and requisite
premium within stipulated period. If required, AIC may call for certificate of
sowing of the insured crops.
15. IMPORTANT CONDITIONS/CLAUSES APPLICABLE FOR COVERAGE OF RISK :
• Implementing agency possesses the discretion to accept or reject any risk

of definedarea(s) for any crop(s) considering the prevailing agricultural
situation. Mere sanctioning / disbursement of crop loans and submission of
proposals/declarations and remittance of premium by the farmer / bank
without explicit intent to raise thecrop, does not constitute acceptance of
risk by implementing agency.
• Implementing agency if deemed necessary shall investigate the coverage on

its own or by an agency appointed for the purpose and shall for this purpose
utilize satellite imagery data for identification of anomalies in crop
insurance coverage vis-à-vis actual field conditions. Upon identification of
adverse phenomenon based on such investigations, implementing agency
may resort to scaling down of Sum Insured. In such cases no refund of
premium paid by farmers shall be made by AIC.
• In case of any substantial misreporting by nodal bank / branch in case of

compulsory farmers coverage, concerned bank only shall be liable for such
loss due to mis-reporting.
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• Any loss in transit due to negligence or non-remittance of premium by
nodal banks, AIC is not liable for payment of claims.
• AIC will have discretion to accept or reject any risk of an insurance unit(s)
for any crop(s) considering prevailing agricultural situation. Mere
sanctioning / disbursement of crop loans and submission of proposals /
declarations and remittance of premium by farmer / bank, without explicit
intent to raise the crop, does not constitute acceptance of risk by AIC.
• Where the acreage insured is more than the acreage sown under a
particular crop at the insurance unit level, AIC can scale down the sum
insured on pro-rata basis, and settle the claims on the scaled down sum
insured.
16. Role & Responsibilities of Financial Institutions/Banks:
• For purpose of MNAIS, scheduled banking institutions engaged in

disbursing Seasonal Agricultural Operations (SAO) loans as per relevant
guidelines of NABARD / RBI shall be reckoned as Banks.
• Notification, as well as other directives, guidelines, etc., shall flow as AIC ►

Nodal Bank ► Service (subordinate) Bank Branch / PACS. While
compensation remittance from AIC shall follow same route, the remittance
of premium shall follow the reverse route.
• Communicate Notification, as well as other directives, guidelines, etc. as

such to all service (subordinate) bank branches / PACS within their
jurisdictional area.
• Ensure that lending branches / PACS within their jurisdictional area

sanction additional loan component to loanee farmers towards net
premium payable by them.
• Ensure that all service (subordinate) bank branches within their

jurisdictional area serve all non-loanee farmers desiring and eligible to take
insurance cover under MNAIS. Such service will include opening bank
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account of non-loanee farmers, guiding them to fill up proposal forms,
accepting premium from them and maintaining records etc.
• Banks should ensure that all the eligible crop loans/seasonal operational
loans including those sanctioned under KCC taken for notified crop(s) are
fully insured and prepare the declarations for Loanee and Non-Loanee
cultivators and forward the same to AIC along with the premium amount
and other details of the insured farmers and confirm the conditions stated
in the declarations submitted have been complied with.
• The crop-wise sanctioned credit sub-limits approved under KCC based on

actual area proposed in the loan application form should only be
considered for mandatory insurance coverage of eligible loanee farmers
.Sub-limits towards other purposes ( consumption loans, medium-term
loans etc) must be excluded from crop insurance coverage.
• Nodal Bank should ensure submission to AIC within stipulated time the
notified crop-wise, insurance unit-wise , Category-wise & Gender-wise
Declarations with listing sheet in the prescribed format, along with
consolidated Premium payable separately for both loanee farmers and non-
loanee farmers.
• AIC shall acknowledge all the declarations submitted by the banks

mentioning the details of crop, area, sum insured etc. The banks should
cross check the data with their records, and aberrations if any, should be
brought to the notice of the AIC immediately. If no response is received
from banks within 15 days, the details given in the acknowledgement shall
be considered final and no changes would be accepted later on.
• Nodal bank will also arrange for onward transmission to service

(subordinate) bank branches / PACS, compensation amounts as received
from AIC with all details, to be credited to beneficiary accounts.
• The claim proceeds of MNAIS received from AIC should be credited to the
respective beneficiary bank account within seven days. The list of
beneficiary cultivators with claim amount shall be displayed by the Branch /
Primary Agricultural Cooperative Society (PACS) and a copy shall also be
provided to the Chairman/Sarpanch/Pradhan of the village Panchayat. The
Banks shall issue a utilization certificate to AIC that entire money received
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towards settlement of claims has already been credited into the account of
beneficiaries.
• Declarations received from the Banks/PACS after the cut-off date shall be
summarily rejected and the liability, if any, for such declarations shall rest
with the concerned bank. Therefore, the Banks/PACS must strictly adhere
to the cut-off date for coverage and submission to AIC . The Banks/PACS
must also ensure that the declarations along with the premium amount is
remitted to AIC within the stipulated time, failing which the concerned
nodal bank shall be responsible for payment of claims, if any to the
farmers.( Please refer Annexure NA-IV for Cut Off Dates)
• Maintaining the records of proposal forms, all the other relevant records,
registers, documents and statements at offices of Nodal Bank and service
(subordinate) bank branches within their jurisdictional area for the purpose
of scrutiny / verification by AIC or its authorized representatives and
District Level Monitoring Committee ( DLMC).
• Under administrative mechanism, banks are designated as terminal service

points for farmers. Hence, it is their bounden duty to ensure compulsory
coverage of all eligible loanee farmers and all interested non-loanee
farmers.
• Banks should ensure that the cultivator is not deprived of any benefit under
the Scheme due to errors / omissions / commissions of the Nodal
Bank/Branch/PACS, and in case of such errors, the concerned institutions
shall only make good all such losses.
• Officers of AIC shall be permitted to access all relevant records / ledgers at

the Nodal Bank / Branch / PACS at all times for the purpose of smooth
implementation of the scheme.
• The Nodal Banks has to send the Listing Sheet in the prescribe format to
AIC through E-Mail: ro.thiruvananthapuram@aicofindia.com within 15 days
after final cut-off date for submission of Proposal / Declaration to AIC.
• Mail us at ro.thiruvananthapuram@aicofindia.com for soft copies of

instructions, Proposal and Declaration forms.
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17 . FORMATS TO BE USED BY BANKERS:
Sl No Format Formats to be used by As per

1 Listing Sheet Format Bank Branches/PACS Annexure NA-VII
2 Proposal Form- Annexure NA-VIII
Loanee ( Only if
Bank Branches/PACS
Additional Coverage
is opted)
3 Declaration Form- Annexure NA-VI
Nodal Bank/Controlling Bank
Loanee
4 Declaration Form - Nodal Bank/Controlling Bank Annexure NA-IX
Non- Loanee
5 Proposal Form-Non- Direct/Through Annexure NA-X
Farmer
Loanee Intermediary
Farmer Through Banks Annexure NA-XI
6 Farmer Registration Annexure NA-XII
Form Non-Loanee Farmer
The lending banks branches/PACS should prepare Listing Sheets (as per
Annexure NA-VII) and forward it to their controlling banks/nodal banks. The nodal
banks in turn should consolidate the details and submit to AIC the Declarations
( separate for loanee & non-loanee farmers as per Annexure NA- VI & Annexure
NA-IX prepared crop-wise, panchayat-wise, gender-wise and category-wise)
along with the Listing Sheet within stipulated Cut-Off dates .
The Loanee farmer if opting for additional coverage should submit to the bank
branch a duly filled in Proposal form( as per Annexure NA-VIII).The proposal form
for Non-Loanee farmers is enclosed as Annexure NA-X (Direct/Through
Intermediary) &Annexure NA-XI (Through Banks).
The Non-Loanee farmers who have not registered with AIC need to fill in the
Farmer Registration Form as enclosed.(Annexure NA-XI)
Bank Branches/PACS( Listing Sheet)--->Nodal/Controlling Banks ( Declaration

Forms, Listing Sheet & Premium DD ) ---->AIC
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We request you to implement the MNAIS as per these guidelines furnished and
issue necessary circulars in this regard to all your Bank Branches/PACS urgently. In
case of any clarification required you may contact us in the below mentioned
address:
AGRICULTURE INSURANCE COMPANY OF INDIA LTD.

Regional Office ( Kerala )
8th Floor , Carmel Towers , Cotton Hill PO ,Vazhuthacaud, Thiruvananthapuram- 695014.
Ph. : 0471-2334493 Fax : 0471-2334989
E-mail: ro.thiruvananthapuram@aicofindia.com
For any grievances contact the Grievance Redressal Cell at the Regional Office in the above mentioned address
Thanking You,
Yours faithfully
D Rajesh
Regional Manager
Copy to:
1. The Agriculture Production Commissioner Govt. of Kerala, Thiruvananthapuram

2. The Secretary (Finance) ,Govt.of Kerala, Secretariat, Thiruvananthapuram.
3. The Secretary ( Agriculture ) , Govt.of Kerala, Secretariat, Thiruvananthapuram.
4. The Director, Department of Agriculture, VikasBhavan, Thiruvananthapuram.
5. The Registrar of Co-operative Societies, Thiruvananthapuram.
6. The Director, Department of Economics& Statistics, Thiruvananthapuram.
7. The General Manager, RBI (Rural Planning & Credit), Thiruvananthapuram
8. The Chief General Manager, NABARD, RO, Thiruvananthapuram
9. The General Manager &Convenor, SLBC, Canara Bank, Thiruvananthapuram.
10. The Chief(Agri) State Planning Board ,Thiruvananthapuram
11. The Managing Director, Kerala State Co-op. Bank Ltd., Thiruvananthapuram
12. All Controlling Offices of Commercial Banks, Regional Rural Banks in Kerala.
13. District Collectors of the implementing Districts.
14. Director, India Meteorological Department (IMD), Thiruvananthapuram.
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Annexure -B
Methods of Indemnification
The crop loss shall be assessed on the basis of following indemnification methods,
as per the provisionsof the Scheme and Operational Modalities-
(A) Wide Spread Calamities:
(i) Based on Season End Yield:
The Department of Economics& Statistics (DES) will plan and conduct at least 4
Crop Cutting Experiments (CCEs) in eachnotified insurance unit (Panchayat) for
Paddy and 16 CCEs in each notified Block for Banana & Tapioca Crops, in order to
assess crop yield. Claims will be worked out based on actual yield furnished by DES
at the end of harvest season. DES will maintain single series of CCEs and resultant
yield estimates, both for Crop Production estimates and Crop Insurance. Planning
and supervision for all CCEs by State Govt. will be of same order as that of General
Crop Estimation Surveys (GCES).
Claim Formula:
lf ‘Actual Yield' (AY) per hectare of insured crop for insurance unit (calculated on
basis of requisitenumber of CCEs) in insured season, falls short of specified
'Threshold Yield' (TY), all insured farmersgrowing that crop in defined area are
deemed to have suffered shortfall in yield of similar magnitude.
MNAIS seeks to provide coverage against such contingency.
'Claim' shall be calculated as per the following formula:
(Threshold Yield - Actual yield) x Sum Insured for the Farmer
Threshold yield
(ii) On—Account Payment of Claims due to Mid-Season Adversity:
dry spells, severe drought etc, Insurance Company in consultation with
Department of Agriculture , Govt. of Kerala, based on agro meteorological
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data(Rainfall), details of estimated losses etc will decide about crops/ areas for
which on account payment will be made, not exceeding25% of likely claims.
Appraisal of mid-season adversity and quantum of on-account payment will
be conducted jointly by Government of India/ Govt of Kerala and Insurance
Company. On account payment will be implemented only in states where such
proxy indicators can be established and will be considered for payment only if the
expected yield during the season is less than 50% of normal yield.
Insuch an instance, insurance company based on declarations received from

banks or insurance proposals,received from other authorized agencies or directly
from farmers for such crops and areas affected by adverse season; shall work out
likely claims which will occur based on end of season yield assessment,and will
release claim up to 25% of likely claims, in advance to farmers through nodal
banks subject to adjustment against claims assessed on yield basis i.e. in case end
of season yield based claims works out to be higher, then difference of claim
would be payable and in case end of the season claim based on yield happens to
be lower, then the insurance company reserves the right to recover excess claims
so paid to farmers.
ln case of near total loss situation during the season (at a stage of the crop cycle
when complete inputcost is not incurred), the losses will be paid based on 'graded
scale' of payment.
Graded Scale of Payment vis-à-vis occurrence of peril:
Stage of Crop Claim %

Nursery 50%
Vegetative stage 60%
Mid-season or reproductive stage 75%
Late season or ripening stage 100%
Illustration: District 'A' has been affected by floods having 100 insurance units
under Crop ‘X". Out ofwhich 50 insurance units were severely affected and as per
the weather indicators / agro-met data, ithas been assessed that 30 insurance
units could have yield loss of more than 50% (compared to theNormal Yield). Out
of these 30 insurance units, estimated yield loss for 5 units is 80% (Category-I),
foranother 10 units, it is 70% (Category-II) and remaining 15 units, it is 60%
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(Category-III) of normal yield,due to which likely yield may be in range of 20%,
30% and 40%. The likely claims for the above units(compared to Threshold Yield)
may be 64%, 56% and 48% respectively. As per declarations received, ifsum
insured for notified areas in Category-I, Category-II and Category-III is Rs. 1 crore,
Rs. 2 crore, and Rs 3 crore, respectively, then likely final claims will be Rs. 64 lakh,
112 lakh and 144 lakh respectively. Hence on-account claims upto 25% will be Rs.
16 lakh, 28 lakh and 36 lakh, which will be released during the season.
(iii) Prevented Sowing [Planting Claims:
Due to non-receipt of sufficient rainfall or excess rainfall or other weather

adversities, farmers in one insurance unit may not be in a position to either sow or
transplant crop or grow crop (failed at an earlystage). When this incidence is
widespread i.e. majority of area in one insurance unit remains unsown /failed
sowing, (more than 75% of normal area), then insurance company based on
weather / rainfallposition in insurance unit, (as issued by concerned office of IMD
during the season) and acreage-sown particulars received from Department of
Agriculture , Govt. of Kerala ,will decide extent of claims to be paid . In case of
non-availability of IMD stations at a location or else non availability of IMD data
on certain days, other authentic weather stations / rain gauge stations by State
Government/ autonomous bodies / agriculture universities / private agencies as
approved by SLCCCI can also be considered for purpose of measuring weather /
rainfall.
GOI and State Government will arrange for weather / rainfall data from IMD /
Other autonomous / Government bodies, to insurance company, while data from
private data providers will bearranged by insurance company. Area sown
particulars will also be provided by Department of Agriculture , Govt. of
Kerala,within one month after end of normal sowing season. Rainfall
requirement for sowing a crop differsfrom crop to crop. Similarly, the quantum of
inputs used before sowing (land preparation, seed fertilizer etc) varies from crop
to crop.
The Department of Agriculture , Govt. of Kerala (based on proxy indicators like

weather data, area enumeration, satellite imagery,etc.) will decide that majority
of the area in the IU could not be sown or the sowing failed and
insurance company in consultation with SLCCCI will assess extent of claims
19
payable based on the weather /rainfall position, crop, acreage planted etc. and in
any case maximum claims payable will berestricted to 25% of sum-insured.
Having become eligible for prevented / failed sowing, insurance cover

is automatically terminated. i.e. once the IU is chosen for this benefit, the
insurance cover cease to operate for the subsequent period of the season. Process
of determining prevented / failed sowing being automated, farmers need not
lodge any claim for prevented / failed sowing.
Payment Slabs: `
Stage of Crop Claim %

Prevented Sowing (No sowing at all) 50%
Failed Sowing (sowing done, no 75%
germination)/Prevented transplanting
Failed Germination (Germinated crop withered 100%
away)/Failed Transplanting
Illustration: District 'B' with 100 insurance units has been affected by dry-spell,
consequently about80% of the area could not be sown in about 50 insurance units
for Summer Paddy crop, where perhectare sum insured is Rs. 20,000. As per slab
of payment for prevented sowing, is 50% and benefit payable is: sum insured X
50% X 25%, which on a sum insured of Rs. 20,000 works out to Rs. 2,500. Incase of
failed sowing, the slab is 75%, benefit payable is: sum insured X 75% X 25%, which
on sum insured of Rs. 20,000 works out to Rs. 3,750.
20
Annexure NA I
Agriculture Insurance Company of India
Regional Office,Thiruvananthapuram
MNAIS -List of Panchayats Notified for Kharif 2015 Season Paddy Crop
District Block Panchayat

AMBALAPUZHA ALAPPUZHA
AMBALAPUZHA (N)
PUNNAPRA (N)
PURAKKAD
AMBALAPUZHA (S)
PUNNAPRA (S)
ARYAD ARYAD
MANNANCHERY
MUHAMMA
MARARIKULAM (S)
BHARANIKKAVU MAVELIKARA (MUNI.)
KANJIKUZHY CHERTHALA
CHERTHALA (S)
KANJIKUZHI
THANNEERMUKKOM
KADAKKARAPPALLY
MARARIKULAM (N)
PATTANAKKAD AROOR
KODAMTHURUTH
PATTANAKKAD
EZHUPUNNA
KUTHIYATHODE
THURAVOOR
VAYALAR
THYCATTUSSERY AROOKUTTY
CHENNAM-PALLIPPURAM
PERUMPALAM
THYCATTUSSERY
PANAVALLY
HARIPPAD CHERUTHANA
KARUVATTA
PALLIPPAD
VEEYAPURAM
HARIPAD
ALAPPUZHA KUMARAPURAM
THRIKKUNNAPUZHA
KARTHIKAPPALLY
MUTHUKULAM CHEPPAD
DEVIKULANGARA
KANDALLOOR
KAYAMKULAM (MUNI.)
MUTHUKULAM
KRISHNAPURAM
21
CHINGOLI
ARATTUPUZHA
PATHIYOOR
CHAMPAKKULAM CHAMPAKULAM
EDATHUA
KAINAKARY
THAKAZHY
THALAVADY
NEDUMUDI
VELIYANAD MUTTAR
NEELAMPEROOR
PULIMCUNNU
RAMANKARY
KAVALAM
VELIYANAD
BHARANIKKAVU BHARANIKAVU
CHUNAKARA
PALAMEL
THAMARAKULAM
NOORANAD
VALLIKUNNAM
MAVELIKKARA CHENNITHALA-THRIPERUMTHURA
CHETTIKULANGARA
THAZHAKKARA
MANNAR
THEKKEKKARA
ETUMANOOR ARPOOKKARA
ATHIRAMPUZHA
AYMANAM
ETTUMANOOR
KUMARAKOM
NEENDOOR
THIRUVARPPU
LALAM BHARANANGANAM
KADANAD
KAROOR
KOTTAYAM MUNICIPALTY
KOZHUVANAL
MEENACHIL
PALAI (MUNI.)
KOTTAYAM
MUTHOLY
KADUTHURUTHY KADUTHURUTHY
KALLARA
MULAKKULAM
THALAYOLAPPARAMPU
VELLOOR
NEEZHOOR
VAIKOM CHEMPU
T.V.PURAM
THALAYAZHAM
UDAYANAPURAM
VECHOOR
22
VAIKOM (MUNI.)
MARAVANTHURUTHU
PANDALAM ARANMULA
KULANADA
PANDALAM
PANDALAM -THEKKEKARA
THUMPAMON
MEZHUVELI
PARAKODU ADOOR
ENADIMANGALAM
ERATHU
EZHAMKULAM
KALANJOOR
PALLICKAL
KADAMPANADU
KODUMON
PATHANAMTHITTA
KONNI ARUVAPPULAM
KONNI
MALAYALAPPUZHA
MYLAPRA
PATHANMATHITTA
PRAMADOM
VALLICODU
THANNITHODU
PULIKEEZH KADAPRA
KUTTOOR
PERINGARA
THIRUVALLA
NEDUMPARAM
NIRANAM
23
Annexure NA II
List of Blocks Notified for Banana & Tapioca for Kharif 2015 Season
District Taluka Block

AMBALAPPUZHA AMBALAPUZHA INCL ALAPPUZHA MUNI
AMBALAPPUZHA ARYAD
CHENGANNUR BHARANIKKAVU
KUTTANAD CHAMPAKKULAM
CHENGANNUR CHENGANNUR INCL CHENGANNUR MUNI
KARTHIKAPPALLY HARIPPAD
ALAPPUZHA
CHERTHALA KANJIKUZHY INCL CHERTHALA MUNI
MAVELIKKARA MAVELIKKARA INCL MAVELIKKARA MUNI
KARTHIKAPPALLY MUTHUKULAM INCL KAYAMKULAM MUNI
CHERTHALA PATTANAKKAD
CHERTHALA THYCATTUSSERY
KUTTANAD VELIYANAD
ALUVA ALANGAD
ALUVA ANGAMALY INCL ANGAMALY MUNI
KANAYANNOOR EDAPPALLY INCL KALAMASSERY MUNI, COCHIN CORP
KUNNATHUNADU KOOVAPPADY INCL PERUMBAVOOR MUNI
KOTHAMANGALAM KOTHAMANGALAM INCL KOTHAMANGALAM MUNI
KANAYANNOOR MULAMTHURUTHY INCL THRIPPUNITHURA MUNI
MUVATTUPUZHA MUVATTUPUZHA INCL MUVATTUPUZHA MUNI
ERNAKULAM
KOCHI PALLURUTHY
MUVATTUPUZHA PAMPAKUDA
ALUVA PARAKKADAVU
PARAVOOR PARUR
KUNNATHUNADU VADAVUCODE
ALUVA VAZHAKKULAM
KOCHI VYPIN
DEVIKULAM ADIMALY
PEERUMEDU AZHUTHA
DEVIKULAM DEVIKULAM
THODUPUZHA ELAMDESAM
IDUKKI
THODUPUZHA IDUKKI
UDUMBANCHOLA KATTAPPANA
UDUMBANCHOLA NEDUMKANDOM
THODUPUZHA THODUPUZHA INCL THODUPUZHA MUNI
KANNUR EDAKKAD
THALIPPARAMBA IRIKKUR
THALASSERY IRITTY INCL MATTANNUR MUNI
KANNUR KALLIASSERY
KANNUR KANNUR INCL KANNUR MUNI
KANNUR THALASSERY KUTHUPARAMBA INCL KUTHUPARAMBA MUNI
THALASSERY PANOOR
THALIPPARAMBA PAYYANNUR INCL PAYYANNUR MUNI
THALASSERY PERAVUR
THALASSERY THALASSERY INCL THALASSERY MUNI
24
THALIPPARAMBA THALIPPARAMBA INCL THALIPPARAMBA MUNI
HOSDURG KANHANGAD INCL KANHANGAD MUNI
KASARGODE KARADUKA
KASARGODE KASARGOD INCL KASARGODE MUNI
KASARGODE
KASARGODE MANJESWAR
HOSDURG NEELESHWAR INCL NEELESHWAR MUNI
HOSDURG PARAPPA
PATHANAPURAM ANCHAL
KOTTARAKKARA CHADAYAMANGALAM
KARUNAGAPPALLY CHAVARA
KOLLAM CHITTUMALA
KOLLAM ITHIKKARA INCL PARAVOOR MUNI
KOLLAM KOLLAM CORPN.
KOLLAM
KOTTARAKKARA KOTTARAKKARA
KOLLAM MUKHATHALA INCL KOLLAM MUNI
KARUNAGAPPALLY OACHIRA
PATHANAPURAM PATHANAPURAM INCL PUNALUR MUNI
KUNNATHOOR SASTHAMCOTTA
KOTTARAKKARA VETTIKAVALA
MEENACHAL ERATTUPETTA
KOTTAYAM ETTUMANOOR
VAIKOM KADUTHURUTHY
KANJIRAPPALLY KANJIRAPPALLY
MEENACHAL LALAM INCL PALA MUNI
KOTTAYAM CHANGANASSERY MADAPPALLY
KOTTAYAM PALLOM INCL KOTTAYAM MUNI
KOTTAYAM PAMPADY
MEENACHAL UZHAVOOR
VAIKOM VAIKOM
CHANGANASSERY VAZHOOR
QUILANDI BALUSSERY
KOZHIKKODE CHELANNUR
KOZHIKKODE KODUVALLY
KOZHIKKODE KOZHIKODE
KOZHIKKODE KOZHIKODE CORPN.
KOZHIKKODE KUNNAMANGALAM
KOZHIKODE VADAKARA KUNNUMMEL
QUILANDI MELADY
QUILANDI PANDHALAYANI INCL QUILANDY MUNI
QUILANDI PERAMBRA
VADAKARA THODANNUR
VADAKARA THUNERI
VADAKARA VADAKARA INCL VADAKARA MUNI
ERANAD ARECODE INCL MANJERI MUNI
NILAMBUR KALIKAVU
ERANAD KONDOTTY
TIRURANGADI KUTTIPPURAM
ERANAD MALAPPURAM INCL MALAPPURAM MUNI
PERINTHALMANNA MANKADA
NILAMBUR NILAMBUR INCL NILAMBUR MUNI
MALAPPURAM PERINTHALMANNA PERINTHALMANNA INCL PERINTHALMANNA MUNI
PONNANI PERUMPADAPPA
25
PONNANI PONNANI INCL PONNANI MUNI
TIRUR THANUR
TIRUR TIRUR INCL TIRUR MUNI
TIRURANGADI THIRURANGADI
TIRURANGADI VENGARA
NILAMBUR WANDOOR
ALATHUR ALATHUR
MANNARKKAD ATTAPPADY
CHITTUR CHITTUR INCL CHITTUR-THATHAMANGALAM MUNI
CHITTUR KOLLENGODE
ALATHUR KUZHALMANNAM
PALAKKAD MALAMPUZHA
PALAKKAD MANNARKKAD MANNARKKAD
CHITTUR NEMMARA
OTTAPPALAM OTTAPALAM INCL OTTAPPALAM MUNI, SHORNUR MUNI
PALAKKAD PALAKKAD INCL PALAKKAD MUNI
OTTAPPALAM PATTAMBI
OTTAPPALAM SREEKRISHNAPURAM
OTTAPPALAM THRITHALA
KOZHENCHERY ELANTHOOR
THIRUVALLA KOIPURAM
KOZHENCHERY KONNI INCL PATHANAMTHITTA MUNI
MALLAPPALLY MALLAPPALLY
PATHANAMTHITTA
ADOOR PANDALAM
ADOOR PARAKODU INCL ADOOR MUNI
THIRUVALLA PULIKEEZH INCL THIRUVALLA MUNI
RANNI RANNI
NEYYATTINKARA ATHIYANNOOR INCL NEYYATTINKARA MUNI
CHIRAYINKEEZHU CHIRAYINKEEZHU INCL ATTINGAL MUNI
CHIRAYINKEEZHU KILIMANOOR
NEDUMANGAD NEDUMANGAD INCL NEDUMANGAD MUNI
THIRUVANANTHAPURAM NEMOM
NEYYATTINKARA PARASSALA
THIRUVANANTHAPURAM
NEYYATTINKARA PERUMKADAVILA
THIRUVANANTHAPURAM POTHENCODE
THIRUVANANTHAPURAM THIRUVANANTHAPURAM CORPN.
NEDUMANGAD VAMANAPURAM
CHIRAYINKEEZHU VARKALA INCL VARKALA MUNI
NEDUMANGAD VELLANAD
THRISSUR ANTHIKKAD
MUKUNDAPURAM CHALAKUDY INCL CHALAKKUDY MUNI
CHAVAKKAD CHAVAKKAD INCL CHAVAKKAD MUNI, GURUVAYOOR MUNI
THRISSUR CHERPU
THALAPPILLY CHOWANNUR
MUKUNDAPURAM IRINJALAKKUDA INCL IRINJALAKKUDA MUNI
MUKUNDAPURAM KODAKARA
MUKUNDAPURAM MALA
THRISSUR
KODUNGALLOOR MATHILAKAM
CHAVAKKAD MULLASSERY
THRISSUR OLLUKKARA INCL THRISSUR MUNI
THALAPPILLY PAZHAYANOOR
THRISSUR PUZHAKKAL
26
CHAVAKKAD THALIKULAM
KODUNGALLOOR VELLANGALLUR
THALAPPILLY WADAKKANCHERY
VYTHIRI KALPETTA INCL KALPETTA MUNI
MANANTHAWADY MANANTHAWADY
WAYANAD
MANANTHAWADY PANAMARAM
MANANTHAWADY SULTHANBATHERY
NB : In selected Panchayats/Municipalities where Banana is notified under WBCIS( as per Annexure WB-III enclosed)
the loanee farmers who have been sanctioned loans during this season in these selelcted Panchayats & Municipalities
shall be insured ONLY UNDER WBCIS and loans sanctioned for Banana cultivation in the remaining
Panchayats/Municipalities shall be compulsorily insured under MNAIS
27
Annexure NA-III
Season : Kharif Year : 2015
District-wise, Crop-wise Level of Indemnity ,Sum Insured Limits,Full Premium Rates, &
Net Farmer's Premium Rates
Max Sum Additional Sum Net Farmer's

Normal Sum Full /Gross
Indemnity Insured Insured Premium Rate
District Crop Insured (Rs/Ha) Premium
Level % (Rs/Ha) (Rs/Ha) after Subsidy
A Rate (%)
B B-A (%)
Thiruvananthapuram Banana 90 289500 482500 193000 3.30 2.00

Tapioca 80 532500 998400 465900 2.70 2.00
Kollam Banana 90 291000 485000 194000 3.30 2.00
Tapioca 80 537600 1008000 470400 2.40 2.00
Alappuzha Paddy 80 33600 63000 29400 6.80 2.50
Banana 90 301700 502800 201100 3.30 2.00
Tapioca 80 435900 817400 381500 3.80 2.28
Pathanamthitta Paddy 80 36300 68100 31800 3.80 2.28
Banana 90 360100 600200 240100 2.60 2.00
Tapioca 80 664600 1246200 581600 2.00 2.00
Kottayam Paddy 80 42100 79000 36900 4.30 2.50
Banana 90 356400 594000 237600 3.30 2.00
Tapioca 80 655800 1229600 573800 2.70 2.00
Idukki Banana 90 384000 640100 256100 2.30 2.00
Tapioca 80 748200 1403000 654800 2.00 2.00
Ernakulam Banana 90 360000 599900 239900 3.30 2.00
Tapioca 80 630200 1181600 551400 2.70 2.00
Thrissur Banana 90 375600 626000 250400 2.60 2.00
Tapioca 80 516900 969100 452200 3.80 2.28
Palakkad Banana 90 325000 541800 216800 2.30 2.00
Tapioca 80 486100 911500 425400 2.40 2.00
Malappuram Banana 90 336100 560100 224000 3.30 2.00
Tapioca 80 550100 1031400 481300 3.80 2.28
Kozhikkode Banana 90 351200 585300 234100 3.30 2.00
Tapioca 80 443000 830700 387700 3.80 2.28
Kannur Banana 90 359700 599500 239800 3.30 2.00
Tapioca 80 638200 1196700 558500 3.30 2.00
Wayanad Banana 90 346300 577200 230900 2.60 2.00
Tapioca 80 854600 1602400 747800 2.00 2.00
Kasargode Banana 90 385500 642500 257000 3.30 2.00
Tapioca 80 455100 853200 398100 2.70 2.00
1. The Premium Subsidy is applicable both to Small/Marginal Farmers & Other Farmer categories
2. For Loanee Farmers ,eligible loan sanctioned amount as per SoF of the crop has to be compulsorily covered and the
premium subsidy is applicable upto the loan sanctioned amount , even if the laon sanctionied amount is above the normal
sum insured limits.
3.The subsidy is applicable only on Normal Sum Insured Limits .For additional coverage , if opted by the farmer ,he has to
pay at Full Premium rate for the additional Sum Insured opted.
4. For Paddy Crop Net Farmer's Premium rate has been kept at the same flat level of erstwhile NAIS ( ie 2.5% or Actuarial
Premium which ever is lower) by providing additional State Share of subsidy .
28
Annexure NA IV
MNAIS - Seasonality discipline and Cut-off Dates – Kerala
Loanee Farmers Non-Loanee Farmers

Final Cut-off date Cut-off date for Cut-off date for
Season Crops Loan
for receipt of receipt of proposals receipt of
Sanctioning
Declarations by by Declarations by
Period
AIC Bank/Intermediaries AIC
1st April 2015 to

PADDY 31.08.2015 31-07-2015 31-08-2015
31st July 2015
KHARIF
1st April 2015 to
2015 BANANA 31.08.2015 31-07-2015 31-08-2015
31st July 2015
1st April 2015 to

TAPIOCA 31.08.2015 31-07-2015 31-08-2015
31st July 2015
 All farmers growing insurable Notified Crops are to be covered during Kharif 2015 Season on the
following basis
(a) Compulsory Basis: All farmers growing insurable Notified Crops in the Notified Areas and availing
Seasonal Agriculture Operations loans(SAO) from Financial Institutions within time limit stipulated by
the SLCCCI ie Loanee Farmers
(b) Voluntary Basis : All other farmers growing insurable Notified Crops in the Notified Areas ie Non-
Loanee Farmers who opt for the Scheme
 Non-loanee farmer desires to join the Scheme shall submit to the Bank/Intermediaries/Agents duly filled
proposal forms along with appropriate insurance charges well before the season within the prescribed Cut-
off dates.
 Those loanee farmers who would like to avail a sum insured of more than the amount of loan availed, shall
indicate their choice to the Financial Institution at the beginning of the Season/before the Season and for
these farmers the Cut-Off dates shall be those applicable to Non-Loanee farmers
29
Annexure NA V
MNAIS - CUT-OFF DATES FOR

SUBMISSION OF YIELD DATA FOR THE NOTIFIED CROPS
DURING KHARIF 2015- KERALA.
CROP CUT-OFF DATE FOR YLD

SEASON NOTIFIED AREA C.C.E. PERIOD
NOTIFIED DATA FROM DES.
PADDY Panchayat ** 30.11.2015 AS USUAL
BANANA Block ** 31. 08. 2016

MAR.2015 TO
Kharif JUN.2015
2015
TAPIOCA Block ** 31. 08. 2016
MAR.2015TO
JUN.2015
** Strictly as per Notification
NB:
1. The minimum no of Crop Cutting Experiments (CCE’s) to be conducted at Notified Panchayat

Level( For Paddy Crop) is 4 per Panchayat and at Notified Block Level ( For Banana, Tapioca)
is 16 per Block.
2. The Claim assessment for wide spread calamities would be only on the basis of Actual Yield
Data furnished by the Department of Economics & Statistics, GoK for Kharif 2015 as per
MNAIS Scheme norms.
3. The Yield Data furnished to AIC by the State Government of Kerala will be in accordance with
crop-wise cut-off dates fixed for all the Notified Areas based on total No of CCE’s ( being not
less than the minimum prescribed) conducted. The yield data submitted should be based on
single series of CCE’s conducted by the State Government under GCES’s.
4. Along with the actual yield data and number of CCE’s conducted for each Notified Area of a
Notified Crop, the DES shall also submit the results of individual CCE’s conducted.
30
Annexure NA-VI
DECLARATION FORM - LOANEE FARMERS
From: To :
AGRICULTURE INSURANCE CO. OF INDIA LTD,
Nodal Bank _____________________________________
Address:
Regional Office (Kerala) ;8th Floor
Carmel Towers, Cotton Hill PO ,Vazhuthacaud
Thiruvananthapuram- 695014
Phone No (with STD): E-mail : Fax No:
Ph: (0471)2334493, 2334989 Fax: (0471) 2334493
SCHEDULE
Declaration No : Season: Kharif Year: 2015
Gender : Male/Female Category : SC/ST/Others State: Kerala District: ……………… Block:…………………..
Crop :………………….. Notified Panchayat :………………………………

PART I : COMPULSORY COVERAGE
(a) Per Hectare Fixed Sum Insured(As per Scale of Finance) :- Rs._________________ (b) Premium/Ha (Payable By Farmers):- …………….%
Area Insured Sum Insured (Rs.) Premium Paid by Farmers (Rs.)

No. of Farmers Insured
Farmers Category (in Hectares) (a) X Column (2) (b) X Column (3)
(1) (2) (3) (4)
Small & Marginal
Others
Total (A)
1. Under the provisions of the Modified National Agricultural Insurance Scheme (MNAIS), we hereby declare that the Sum Insured of all the eligible loanee farmers under
compulsory coverage who have sanctioned credit limit for the above mentioned crop pertaining to our Office and branches / PACS’ under the jurisdiction of our Office
has been included in the details given in PART (I) above.
2. It is certified that, (i) no coverage pertaining to any loanee farmer, including KCC loans (issued for agriculture purpose) eligible under compulsory coverage has been left
out by us and the bank branches/PACS under our jurisdiction; (iii) the area declared in PART (I) is as per acreage (area) mentioned in the loan application or on the basis
of actual area sown as declared by the farmer.
PART II : ADDITIONAL COVERAGE (over & above Part I upto value ot TY)
(c) Per Ha Additional Sum Insured: Rs.__________ (Difference between Bank Scale of Finance & Scheme SI upto value of TY , If any)

Farmers Category (in Hectares) (c) X Column (2) (b) X Column ( 3)
(1) (2) (3) (4)
Small & Marginal
Others
Total (B)
3. We hereby declare that the Sum Insured of all the eligible loanee farmers under compulsory coverage who have opted for ADDITIONAL COVERAGE over & above the
compulsory coverage upto value of TY for the above mentioned crop pertaining to our Office and branches / PACS’ under the jurisdiction of our Office have been
included in the details given in PART (II) above.
4. We also confirm that we have received the duly completed Proposal forms from all these farmers within stipulated cutoff date along with documents as required by the
Insurance Company.
PART III : EXTENDED COVERAGE (over & above Part I & II upto 150% of value ot AY)
(d) Per Hectare Extended Sum Insured: Rs._________________ (e) Actuarial Premium/ Ha (payable by farmer) __________ %

Farmers Category (in Hectares) (d) X Column (2) (e) X Column (3)
(1) (2) (3) (4)
Small & Marginal
Others
Total (C)
GRAND TOTAL
(A+B+C)
5. We hereby declare that the Sum Insured of all the eligible loanee farmers under compulsory coverage who have opted for EXTENDED COVERAGE over & above the
compulsory coverage upto 150% value of AY for the above mentioned crop pertaining to our Office and branches / PACS’ under the jurisdiction of our Office have been
included in the details given in PART (III) above.
6. We also confirm that we have received the duly completed Proposal forms from all these farmers within stipulated cutoff date along with documents as required by the
Insurance Company
7. We also declare that, Premium has been recovered/ debited for all the Farmers included in this Declaration.
8. We also declare that, information declared in above Schedule is true and in case of any misreporting we shall be held liable for such misreporting and its consequences.
31
The Premium under this Declaration is remitted vide following Instrument/Electronic Transfer, as per details underneath.
Remittance Mode: Demand Draft / Electronic Transfer

DD No / Transaction No. : Date: Amount (Rs): .
Branch wise details of farmers covered enclosed (tick √) Yes / No
Branch wise farmer wise details enclosed (tick √) Yes / No
Dated at this day of .

Name of the Signatory : Signature of Authorized signatory
Designation : of Nodal Bank (with Seal)
---------------------------------------------------------------------------------------------------------------------------------------------------------
TO BE COMPLETED BY AIC
Lot No. Lot received date Receipt No.
Certificate No. (to be allotted by AIC):
NOTE: 1) ALL CODE (Crop Code, District Code, etc.) BOXES SHALL BE FILLED UP BY AIC
2) GUIDELINES FOR FILLING UP DECLARATIONS and CONDITIONS FOR ACCEPTANCE ARE AS PER OVERLEAF
GUIDELINES FOR FILLING UP THE DECLARATIONS

1. This Declaration format should be used only for loanee farmers.
2. Separate Declaration must be filled in for each Crop and each Insurance Unit.
3. Only one copy of the Declaration must be submitted to AIC within the prescribed cut-off date (a copy may be retained by
the bank for their record).
4. Complete address of Nodal Bank along with the telephone number must be given to facilitate further communication,
whenever necessary. Similarly, Declaration No. should be given by the Bank for facilitating reference in future
communication/clarifications.
5. Care should be taken to declare coverage only for such loanee farmers which are strictly as per the provisions / conditions
of the Scheme and the notification by the SLCCCI.
6. COMPULSORY COVERAGE - PART (I):- The Sum insured for a loanee farmer is calculated by multiplying the
Notified Cost of Cultivation with acreage (hectares) declared in the Loan Application / Actual Area Sown. All Loanee
Farmers who have ‘Sanctioned Credit Limit’ during the seasonality period (within cut-off date) are eligible for compulsory
insurance under PART (I).
7. Whenever any clarifications in respect of Declarations submitted by Bank is sought for by AIC, the same must be submitted
within one month of AIC’s letter and no clarification will be entertained by AIC thereafter for any purpose whatsoever
including reopening of claims.
8. Under Small and Marginal farmers only those farmers should be included whose landholding is upto 2 Hectares.
9. Insurance Unit – The name of Insurance Unit should be reported based on the location of Land in which the crop is
proposed to be grown and not on the basis of Residential Address of the farmer.
10. Backup Records and Registers – In order to facilitate better administrative control, office prudence and Claims/ Refund of
Excess collection distribution, following records are advisable to be maintained:
a) The Nodal Bank should maintain Branch/ PACS wise Declarations for each Crop and Insurance Unit, based on
which the Nodal Bank has submitted the consolidated Declaration for the Crop and Insurance Unit to AIC.
b) Each Branch/PACS should possess a copy of the declaration sent by them to the Nodal Bank. The crop wise
declaration for each Insurance Unit should be prepared based on the Premium Register.
c) Each Branch/PACS should maintain a Premium Register giving details like Account No., Name of Farmer, Name
of Village and Insurance Unit where land is located, Crop wise area insured, Sum Insured, Premium. The Premium
Register should also contain crop wise columns for claims, which should be filled up at the time of receipt of
Claim amount.
d) Apart from this the Nodal Bank/ Branch/ PACS should maintain all relevant records as mandated under different
rules, regulations and acts applicable for Banking. The Premium total as per the Premium Register should be
debited as an additional Loan in the Loan Register.
CONDITIONS FOR ACCEPTANCE OF DECLARATION AND COVERAGE THEREIN
1. Incomplete / partly filled up / unsigned declarations would not be accepted.
2. Declarations and premium pertaining to crops/ areas not notified for the crop Season in the State shall not be accepted.
Similarly declaration and premium received before issuance of notification would not be accepted.
3. In case of any excess amount remitted in a declaration or a group of declarations, the net excess amount, as calculated
by AIC, pertaining to the Nodal Bank after adjusting short collections pertaining to other declaration or group of
declarations (including declarations pertaining to Non-Loanee farmers) of the Nodal Bank would be refundable. This
adjustment may be carried out across multiple seasons and Financial Years.
4. Declarations and Premium received from the designated Nodal Banks only shall be accepted. The declarations and
premium directly received from Branches/ PACS would not be entertained.
32
National Crop Insurance Programme (NCIP) - Modified National Agriculture Insurance Scheme (MNAIS) Annexure NA-VII
Listing Sheet (To be enclosed with each declaration separately)
Name of the Nodal Bank:__________________________________ This listing sheet pertains to Declaration No:____________________
Season:_______________________ Year: ____________________ Crop:__________________________ Rainfed / Irrigated:_______________________
State: ________________________ District: __________________ Block:________________________ Panchayat:___________________________
No of farmers in this declaration:_______________
Small & Area

S Name of the Farmer Father / Husband Male / SC ST / Bank A/c No of the Survey / Land Sum Insured Farmers
Village Name Marginal / Insured
No (as in the bank pass book) Name Female Others Farmer Identification no. (Rs) premium
others (Ha)
(Rs.)
33
Total
The above Listing Sheet is part of the Declaration No.________ as submitted by our bank.
Signature and Seal of the Nodal Bank Official
Page 133 AIC NCIP MNAIS KHARIF 2014

Annexure NA-VIII
AGRICULTURE INSURANCE COMPANY OF INDIA LIMITED

Regional Office, (Kerala) ,8th Floor, Carmel Towers , Cotton Hill PO, Vazhuthacaud ,Thiruvananthapuram-695014
Modified National Agricultural Insurance Scheme (MNAIS)

Kharif 2015
Proposal Form for Loanee Farmer availing Additional Coverage
Season (Kharif / Rabi / Summer):____________________ Year:__________________
State District Taluka Block Panchayat
1. Details of Cultivator:
Name : Father’s Name :
Address for Communication: Bank Account No. :
Bank Name:
Bank Branch
& Address:
Mobile No: Phone No: NEFT Code of the Bank:
Sex: Male / Female SC / ST: Yes / No
2. Details of Crop and Area Proposed for Insurance:

Date / Probable Area Sown / Proposed
Panchayat Village Crop Irrigated / Survey No
date of Sowing in Hectares
Rainfed
I hereby declare that the provisions of the scheme have been read and understood by/ explained to me in detail before
completing the Proposal Form. I hereby further declare that the particulars furnished above are true and correct and age of
crops proposed for insurance under this proposal is not more than one month at the time of submission of the proposal.
Further, the condition of crops proposed for Insurance under this proposal is normal as on date (Not applicable for
proposed sowing / planting).
I have not submitted any other crop insurance proposal covering the above mentioned crops during the season under the
Scheme either through this Bank branch / PACS or Insurance intermediary or any other Bank branch /PACS or any other
Scheme or with any other Insurance Company.
Date: Signature of Cultivator / Proposer
-------------------------------------- (For use by the Bank / PACS / Insurance Intermediary)------------------------------------
Premium Rate payable by farmer (FP): ________%
Date of Sum Insured (Rs.) Farmer
Crop
Credit Area Premium (Rs.)
(Specify Amount of Additional coverage
Limit insured Total Sum ( Total Sum
Rainfed / Loan up to the value of TY
Sanction (Hect) Insured (a+b) Insured X Farmer
Irrigated) Sanctioned (a) (b) = TY value – (a) premium-FP% )
Certificate from Competent Authority (Not applicable for proposed sowing / planting)
It is certified that the crop wise Survey no. Area sown and date of sowing mentioned in the proposal form above are
correct.
Signature and Seal of Competent Authority

(Agri Officer)
(or) separate certificate showing all the details mentioned above form the above competent authority (/Agri Officer) may
be enclosed.
34
Annexure NA-VIII

Regional Office, (Kerala) ,8th Floor, Carmel Towers , Cotton Hill PO, Vazhuthacaud ,Thiruvananthapuram-695014
Prohibitions of Rebates: Section 41 of the Insurance Act provides as follows:

1. No person shall allow, or offer to allow, either directly or indirectly as an inducement to any person to take out or
renew or continue an insurance in respect of any kind of risk relating to lives or property in India any rebate of the
whole or part of the commission payable or any rebate of the premium shown on the policy accept any rebates except
such rebate as may be allowed in accordance with the published prospectus or tables of the insurer.
2. Any person making default in Company with the provisions of the section shall be punishable with which may extend
to five hundred rupees.
GUIDELINES FOR COMPLETION OF THE PROPOSAL FORM
1. Separate proposal forms may be submitted for each crop.
2. Please complete the Proposal Form in all respects.
3. Insurance is a contract of Utmost Good Faith requiring the Insured not only to disclose all material facts but also
not to suppress any material facts. If you think any fact is material, please disclose it.
4. The Insurance shall become voidable at the option of the Insurer, in the event of any untrue or incorrect statement,
misrepresentation, non-description or non-disclosure in any material particular in the proposal form/personal
statement, declaration and connected documents, or any material information having been withheld by the proposer
or any one acting on his behalf.
5. Kindly contact AIC’s Offices for any doubts or clarifications on the proposal form.
NOTE: The liability of AIC does not commence until this proposal has been accepted by AIC and the full premium is
paid.
35
Annexure NA-IX
Annexure NA-IX
DECLARATION FORM – NON-LOANEE FARMERS
From : To :
AGRICULTURE INSURANCE CO. OF INDIA LTD,
Nodal Bank _____________________________________
Address:
Regional Office (Kerala) ;8th Floor
Carmel Towers, Cotton Hill PO ,Vazhuthacaud
Thiruvananthapuram- 695014
Ph: (0471)2334493, 2334989 Fax: (0471) 2334493
Phone No (with STD): E mail __
SCHEDULE
Declaration No : Season: Kharif Year: 2015
Gender : Male/Female Category : SC/ST/Others State: Kerala District: ……………… Block:…………………..
Crop :………………….. Notified Panchayat :………………………………
PART (I) :- NORMAL COVERAGE - VALUE OF NOTIONAL THRESHOLD YIELD

(a) Per Hectare Value of Notional Threshold Yield:- Rs.___________ (b) Premium Rate (Payable By Farmers):- _____%
Area Declared under
Sum Insured (Rs.) Premium Paid by Farmers (Rs.)
No. of Farmers Insured Normal Coverage
Farmers Category (a) X Column (2) (b) X Column (3)
(in Hectares)
(1) (2) (3) (4)
1) S &M
2) Others
PART (I) Total
1. Under the provisions of the Modified National Agricultural Insurance Scheme (MNAIS), We hereby declare that the Sum Insured of all the Non Loanee Farmers
pertaining to our Office and branches / PACS’ under the jurisdiction of our Office who have Opted for NORMAL COVERAGE – i.e. upto VALUE OF THRESHOLD
YIELD, have been included in the details given in PART (I) above.
2. It is certified that, (i) no coverage pertaining to any Non-Loanee farmer, who have submitted the Proposal Form and paid the eligible Premium for the Notified Crop in the
Insurance Unit has been left out by us / the Bank branches/PACS under our jurisdiction; (ii) the area declared in PART (I) is as per acreage (area) mentioned in the
Proposal Form submitted by the farmer.
PART (II) :- EXTENDED COVERAGE (Over & above PART (I) and Upto 150% of Value of Notional Average Yield)
(c) Per Hectare Extended Sum Insured (refer guidelines No. 7 Overleaf): - Rs._______ (d) Actuarial Premium Rate (Payable By Farmers):- ____%
Area Declared under
Sum Insured (Rs.) Premium Paid by Farmers (Rs.)
No. of Farmers Insured Extended Coverage
Farmers Category (c) X Column (2) (d) X Column (3)
(in Hectares)
(1) (2) (3) (4)
1) S &M
2) Others
PART (II) Total
3. We hereby declare that the Sum Insured of all the Non-Loanee farmers pertaining to our Office and branches / PACS’ under the jurisdiction of our Office, who have
Opted for EXTENDED COVERAGE, have been included in the details given in PART (II) above.
4. We also declare that the Normal Coverage for Non-Loanee Farmers in PART II, herein have been included in PART (I).
GRAND Total (I+II)
5. We also declare that, Premium has been recovered/ debited to Saving Account for all the Farmers included in this Declaration.
6. We also confirm that we have received the duly Completed Proposal Forms from all these farmers within stipulated Cut-Off-Date alongwith documents as required by the
Insurance Company.
7. We also declare that, information declared in above Schedule is true and in case of any misreporting we shall be held liable for such misreporting and its consequences. The
Premium under this Declaration is remitted vide following Instrument/Electronic Transfer, as per details underneath.
Remittance Mode: Demand Draft / Electronic Transfer
DD No / Transaction No. : Date: Amount (Rs): .
Branch wise details of farmers covered enclosed (tick √) Yes / No
Branch wise farmer wise details enclosed (tick √) Yes / No
Dated at this day of .
Name of the Signatory : __________________________- Signature of Authorized signatory
Designation : __________________________- of Nodal Bank (with Seal)
TO BE COMPLETED BY AIC
Lot No. Lot received date Receipt No.
Certificate No. (to be alloted by AIC):
NOTE: 1) ALL CODE (Crop Code, District Code, etc.) BOXES SHALL BE FILLED UP BY AIC
2) GUIDELINES FOR FILLING UP DECLARATIONS and CONDITIONS FOR ACCEPTANCE ARE AS PER OVERLEAF
36
GUIDELINES FOR FILLING UP THE DECLARATIONS
1. This Declaration format should be used only for Non-Loanee farmers.

2. Separate Declaration must be filled in for each Crop and each Insurance Unit.
3. Only one copy of the Declaration must be submitted to AIC within the prescribed cut-off date (a copy may be retained
by the bank for their record).
4. Complete address of Nodal Bank along with the telephone number must be given to facilitate further communication,
whenever necessary. Similarly, Declaration No. should be given by the Bank for facilitating reference in future
communication/clarifications.
5. Care should be taken to declare coverage only for such Non-loanee farmers which are strictly as per the provisions /
conditions of the Scheme and the notification by the SLCCCI.
6. NORMAL COVERAGE - PART (I):- The Sum insured for a Non-Loanee farmer is calculated by multiplying the
Notified Value of Notional Threshold Yield with acreage (hectares) Proposed in the Proposal Form under the Head.
7. EXTENDED COVERAGE - PART (II):- Extended Coverage value is the difference between 150% of Value of
Notional Average Yield and Value of Notional Threshold Yield. The Sum Insured under Extended Coverage shall be
calculated by multiplying the Area in Hectare, under the Head, as per the Proposal Form with the per Hectare Extended
Coverage. The Farmer would have to pay Premium as per Actuarial Premium Rate on the Extended Coverage Sum
Insured.
8. Whenever any clarifications in respect of Declarations submitted by Bank is sought for by AIC, the same must be
submitted within one month of AIC’s letter and no clarification will be entertained by AIC thereafter for any purpose
whatsoever including reopening of claims.
9. Under Small and Marginal farmers only those farmers should be included whose landholding is upto 2 Hectares.
10. Insurance Unit – The name of Insurance Unit should be reported based on the location of Land in which the crop is
proposed to be grown and not on the basis of Residential Address of the farmer.
11. Backup Records and Registers – In order to facilitate better administrative control, office prudence and Claims/ Refund
of Excess collection distribution, following records are advisable to be maintained:
a) The Nodal Bank should maintain Branch/ PACS wise Declarations for each Crop and Insurance Unit, based
on which the Nodal Bank has submitted the consolidated Declaration for the Crop and Insurance Unit to AIC.
b) Each Branch/PACS should possess a copy of the declaration sent by them to the Nodal Bank. The crop wise
declaration for each Insurance Unit should be prepared based on the Premium Register.
c) Each Branch/PACS should maintain a Premium Register giving details like Account No., Name of Farmer,
Name of Village and Insurance Unit where land is located, Crop wise area insured, Sum Insured, Premium.
The Premium Register should also contain crop wise columns for claims, which should be filled up at the time
of receipt of Claim amount.
d) Apart from this the Nodal Bank/ Branch/ PACS should maintain all relevant records as mandated under
different rules, regulations and acts applicable for Banking.
CONDITIONS FOR ACCEPTANCE OF DECLARATION AND COVERAGE THEREIN

1. Incomplete / partly filled up / unsigned declarations would not be accepted.
2. Declarations and premium pertaining to crops/ areas not notified for the crop Season in the State shall not be
accepted. Similarly declaration and premium received before issuance of notification would not be accepted.
3. Copy of the Proposal Form from each farmer along-with their details would be available with and would be
required to be submitted, if it is mandated so in the Government Notification or if it is stipulated by AIC for the
Season & Year.
4. In case of any excess amount remitted in a declaration or a group of declarations, the net excess amount, as
calculated by AIC, pertaining to the Nodal Bank after adjusting short collections pertaining to other declaration or
group of declarations (including declarations pertaining to Loanee farmers) of the Nodal Bank would be
refundable. This adjustment may be carried out across multiple seasons and Financial Years.
5. Declarations and Premium received from the designated Nodal Banks only shall be accepted. The declarations and
premium directly received from Branches/ PACS would not be entertained.
37
Annexure
Annexure NA-X
NA-X

Regional Office (Kerala), 8th Floor ,Carmel Towers ,Cotton Hill PO,Vazhuthacaud,Thiruvananthapuram-695014

Kharif 2015
Proposal Form for Non Loanee Farmer-Direct/Intermediary
Agent/Broker/Intermediary
Name & Code :

Details of Farmer
Are You a registered Farmer with AIC: Yes/No
If Yes, Fill Farmer ID No. and if No, Fill Registration
Form
Name :Mr./Mrs/Ms : Farmer ID No :
Notified Crop & Area Details Name of Crop sown:
State District Taluka Block Panchayat Village
Details of Crop and Area Proposed for Insurance:

Area Sown / Other
Owner/Share Survey Date / Probable
Panchayat Village Crop Proposed Crops
Cropper/Tenant No date of Sowing
(Ha) Sown
completing the Proposal Form. I hereby further declare that the particulars furnished above are true and correct .Further
the condition of crop sown and proposed for insurance under this proposal is normal as on date .I further undertake to
submit revised proposal form along with sowing certificate issued by the Competent Authority and difference of premium
payable , if any, if I sow a crop other than as declared above at least 30 days before the cot off date of participation under
the above Scheme
Date: Signature of Cultivator / Proposer
-------------------------------------- (For use by the Bank / PACS / Insurance Intermediary)------------------------------------

Premium Rate payable by farmer (FP): ________% Actuarial Premium Rate (Full Premium):_______%
Sum Insured(Rs) Premium (Rs)
Area Above TY
Notified Up to the value Column (3) x Column (4) x Total Premium
Insured Value to 150
Area of Threshold Farmer’s Actuarial (Rs)
(Ha) % of Average
Yield (TY) Premium Rate Premium Rate
Yield Value
1 2 3 4 5 6 7= (5+6)
In case of any Grievance please contact the Grievance Redressal Officer of the Regional Office at 0471-2334493
Insurance is Subject Matter of Solicitation

38
Annexure NA-X

correct.
(Agri Officer)
(or) separate certificate showing all the details mentioned above from the above competent authority (Agri Officer) may
be enclosed.
STATUTORY WARNING

paid.
39
Annexure NA-XI
Annexure NA-XI


Kharif 2015
Proposal Form for Non Loanee Farmer-Banks
Bank Name & Address :

Details of Farmer
Are You a registered Farmer with AIC: Yes/No
If Yes, Fill Farmer ID No. and if No, Fill Registration
Form
Name :Mr./Mrs/Ms : Farmer ID No :
Notified Crop & Area Details Name of Crop sown:
State District Taluka Block Panchayat Village
Details of Crop and Area Proposed for Insurance:

Area Sown / Other
Owner/Share Survey Date / Probable
Panchayat Village Crop Proposed Crops
Cropper/Tenant No date of Sowing
(Ha) Sown
completing the Proposal Form. I hereby further declare that the particulars furnished above are true and correct .Further
the condition of crop sown and proposed for insurance under this proposal is normal as on date .I further undertake to
submit revised proposal form along with sowing certificate issued by the Competent Authority and difference of premium
payable , if any, if I sow a crop other than as declared above at least 30 days before the cot off date of participation under
the above Scheme
Date: Signature / Thumb impression of Proposer
---------------------------------------------- (For use by the Bank )-----------------------------------------------------------------------

Premium Rate payable by farmer (FP): ________% Actuarial Premium Rate (Full Premium):_______%
Sum Insured(Rs) Premium (Rs)
Area Above TY
Notified Up to the value Column (3) x Column (4) x Total Premium
Insured Value to 150
Area of Threshold Farmer’s Actuarial (Rs)
(Ha) % of Average
Yield (TY) Premium Rate Premium Rate
Yield Value
(1) (2) (3) (4) (5) (6) (7)=5+6

40
Annexure NA-XI

correct.
(Agri Officer)
(or) separate certificate showing all the details mentioned above from the above competent authority (Agri Officer) may
be enclosed.
STATUTORY WARNING

paid.

41
Annexure - XII
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42
Annexure - XII
Agriculture Insurance Company of India Limited
Regional Office (Kerala): TC. 14/1765 ;GroundRegional OfficeRoad,
Floor, Vazhuthacaud (Kerala)
Bakery Junction, Thiruvananthapuram -695014
8th Floor, Carmel Towers,
Head Office Cotton
: 13th Floor, Hill P.O,
“Ambadeep”, Vazhuthacaud,
14 Kasturba Thiruvananthapuram-695014
Gandhi marg, New Delhi-110001
FARMER REGISTRATION FORM (Fields marked with * are mandatory)
PERSONAL DETAILS
Full name * Mr/ Mrs./ Ms. Aadhar No.

PAN No:
Gender : * Male Female
CONTACT DETAILS
Address Line 1 * Phone No (Work)
(House Name) Phone No. (Res) *
Address Line 2 *
(House Number) Phone No (Mobile) *
Road / Street Name *
Post Office * Fax No.
*
City/Village / Muncipality
*
District Email 1
State
Pin Code * Email 2
BANK DETAILS (If bank details are not provided then credit of claims in account is n ot possible)
Account Name * Bank Name *
Branch Name * IFS Code *
Branch Address*
Account Type*
(If not available, put “00000000000”)
SB Others
Account Number*
Bank Phone No*
(Copy of Bank Pass Book/Canceld Check Lief should be submitted)
PARTY ATTRIBUTES
Date of Birth(dd/mm/yyyy) Occupation/Trade *
Father/Husband Name * Farmer Classification * Rural Urban
Total Land Holding (ha) * *
Farmer Religion * Hindu Muslim Christian Others
Farmer Category Small Marginal Others
Farmer Community* Gen OBC SC ST

Any Other ID Type Ration Card/Voter ID/Driving License/Other _____
Farmer Type * Loanee Non Loanee

ID No
NOMINEE DETAILS
Nominee Name Mr./Mrs./Ms.
Relation to Party
FREE SMS SUBSCRIPTION

Do you want to subscribe by SMS alerts Yes No Subscribe to new business Yes No
Subscibe to claim intimation Yes No Subsribe to other value added services Yes No
I CERTIFY THAT THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE & BELIEF
Place :
Date :
Witness :
(in case of Thumb Impression) Agent Name & ID Signature/Thumb Impression of Farmer
Incase of any grievance please contact the Grievance Redressal Officer of AIC Regional Office, Thiruvananthapuram. Phone : 0471-2334493
43
Weather Based Crop Insurance Scheme
(WBCIS) for Kharif -2015 Season in Kerala
AGRICULTURE INSURANCE COMPANY OF INDIA LTD.,

Regional Office( Kerala), 8th floor, Carmel Towers,
Cotton Hill PO, Vazhuthacaud, Thiruvananthapuram-695 014.
Phone : 0471–2334493, 2334989 Fax : 0471-2334989
E-mail : ro.thiruvananthapuram@aicofindia.com
www.aicofindia.com
44
45
Agriculture Insurance Company of India Ltd.,
Regional Office ( Kerala), 8th floor, Carmel Towers,
Phone : 0471–2334493, 2334989 Fax : 0471-2334989
AICILROTVPM/WBCIS/NOTIF/F:2(7)/ 153 /2015 01.06.2015
National Crop Insurance Programme (NCIP)/ Rashtriya Fasal Bima Karyakram

(RFBK)
WEATHER BASED CROP INSURANCE SCHEME (WBCIS)
Kharif 2015 Season
To
All Nodal Banks, Nodal Agencies & Intermediaries
Dear Sir/Madam,
RE: NOTIFICATION OF WBCIS KHARIF 2015 SEASON & GUIDELINES FOR

IMPLEMENTATION
Ref: Department of Agriculture & Cooperation, Ministry of Agriculture, Govt. of

India Letter No No. 13015/02/2012-Credit II dated 20th March 2015 regarding
approval for the Implementation of National Crop Insurance Programme (NCIP)
during Xllth Plan for Kharif 2015 Season - issue of Administrative Instructions.
State Level Coordination Committee on Crop Insurance (SLCCCI) of Kerala

constituted as per the provision of NCIP by Govt. of Kerala in its meeting held on
15th May 2015 has decided to implement the Weather Based Crop Insurance
Scheme (WBCIS) component of National Crop Insurance Programme (NCIP)/
Rashtriya Fasal Bima Karyakram (RFBK) in the State of Kerala during Kharif 2015
season and the copy of the relevant GO (Rt) No 991/2015/AD dated 01.06.2015
is enclosed herewith.
Guidelines for WBCIS Implementation
1. The WBCIS is being implemented in all Districts, except Alappuzha &

Pathanamthitta. The Crops Notified are Paddy, Banana, Ginger, Turmeric,
Pineapple, Sugarcane, Cardamom, Pepper, Arecanut and Nutmeg. The list of
District-wise crops notified in each district under WBCIS is as per Annexure
WB I
46
2. The WBCIS adopts an ‘Area Approach’ basis .For this the State Govt. has
notified Reference Unit Area’s(RUA), which are essentially a Group of
adjoining Panchayats/Municipalities, and a centrally located Reference
Weather Station (RWS) has been notified for each RUA. The Claims for an
RUA is calculated ONLY on the basis of Weather Data recorded at its notified
RWS. If the RWS data is unavailable for any day/interval during the risk
period, the data of corresponding Back-up Weather Station (BWS) notified
would be used for the purpose. The details of notified RUA’s, their RWS’s and
BWS’s are appended as Annexure WB- II (For All Crops except Banana) &
Annexure WB-III (For Banana Crop).
3. The Sum Insured per Unit Area for each crop is pre-fixed & it varies Crop-wise
based on the cost of cultivation and it represents the Maximum amount
which should be insured per Unit Area for the particular Crop. For Loanee
Farmers, if the advanced loan amount per Hactre is greater than this pre-
fixed Sum Insured per Hactre, only the amount of loan as per this pre-fixed
Sum insured/Ha multiplied by total crop area needs to be insured under
WBCIS for that crop. For Non-Loanee Farmers the Sum Insured is calculated
by multiplying the pre-fixed Sum insured per Hactre with the no. of Hectares
the farmer is proposing (in the proposal form) for insurance.
4. The Sum Insured per Hectare for a crop is distributed under several
Insurance Covers with different risk periods starting from 7th July 2015 .For
the details of Insurance covers for each crop their Risk Periods please refer
Annexure WB-IV. The claims are calculated only after the entire risk period
under different insurance covers of the particular crop is over subject to the
timely availability of Weather Data from respective RWS’s.
5. A Term Sheet is the basic Scheme document which details the insurance
covers, their risk periods and How & When the claim becomes payable for
each crop. The Term Sheets for all the crops Notified under WBCIS are
appended as Annexure WB-V (1-15)
6. For the Details of Crop-wise pre-fixed Sum Insured per Unit Area, Total
Premium, Subsidy& Net Farmer’s Premium per Unit area refer Annexure
WB-VI .
7. All the Loanee applicant Farmers who have a credit limit sanctioned for any
of these notified Crops during this Season till 31st July 2015 have to be
compulsorily insured under WBCIS by the respective Financial Institutions
and for this purpose such loanee applicant farmers need not submit any
application/proposal for insurance.
47
8. Non-Loanee Farmers have the choice of either MNAIS or WBCIS and can
insure their crops through the banking network/insurance
intermediaries/Agents or the authorized representatives of AIC/UIIC. They
have to submit a proposal form and pay the requisite premium for availing
insurance.
9. The WBCIS follows strict time frames for coverage as well as submission of
Proposals/Declarations. The Cut-off Date for Coverage of Loanee & Non-
loanee farmers is mentioned in Annexure WB- IV. The Controlling offices of
Banks for loanee farmers and the Intermediary/UIIC for Non-loanee farmers
shall submit the relevant coverage statements/declarations and consolidated
premium DDs to AIC well within these coverage cut-off dates.
10. The Loan Disbursing Branches/PACS should submit the individual details of
coverage of all the eligible loanee farmers in the prescribed Listing sheet
format (format enclosed) prepared Crop-wise, RUA-wise, Gender-
wise(Male/Female) and Category-wise(SC/ST/Others); to their Controlling
Offices. The Controlling offices should submit the consolidated details in
Declaration Formats prepared Crop-wise, Reference Unit Area-wise,
Gender-wise(Male/Female) and Category-wise(SC/ST/ Others),along with
relevant Listing Sheet to AIC within stipulated Cut-Off Dates.
11.The criteria for covering Loanee Farmers on a compulsory basis is based on

the availability of ‘Sanctioned Credit Limit’ for the crop within the cut-off
date prescribed for the purpose. The final eligible Sum Insured is to be
arrived on the basis of the acreage of the crop declared by the farmer in the
loan application multiplied by the pre-fixed Sum Insured per hectare as per
Annexure WB- VI.
As an illustration, a farmer in Palakkad district has an overall sanctioned credit

limit of Rs.2,00,000 as on 30.06.2015 for Paddy, Tomato & Arecanut. In this case,
assuming that as per the farmer’s loan application he/she had declared 2 Ha
under Kharif Paddy, 3 Ha under Tomato & 1.5 Ha under Arecanut:
1. Here only Paddy & Arecanut needs to be covered since Tomato is not notified
under WBCIS
2. Rs 35000/Ha is the prefixed Sum Insured for Paddy & Rs 45000/Ha is the
prefixed Sum Insured for Arecanut as per WBCIS Scheme norms .
2. Hence, the Applicable Sum Insured under WBCIS is 35000*2 = Rs 70000 for
Paddy & 45000*1.5= Rs 67500 for Arecanut.
48
4. The Farmer’s Premium for Paddy is 70000*2.5 %= Rs 1750 & for Arecanut is
67500 *4.8 % = Rs 3240 & thus the Total Farmer’s Premium is Rs 4990.
5. If the Bank advances for Paddy @ Rs 50000 /Ha due to its higher SOF, in the
above case the advanced loan amount for Paddy becomes Rs 100000 .But only
Rs 70000 needs to be covered under WBCIS .This is applicable to all crops
under WBCIS.
12.The last date for coverage of Loanee Farmers is 31st JULY 2015 ie all farmers
who have availed loan or have sanctioned credit limit as on 31.07.2015, for
these notified crops are to be compulsorily covered under WBCIS. The Nodal
Banks would submit the final consolidated ‘Declarations’ prepared by them
and ‘Listing Sheets’ prepared by their branches in the specified formats (to
be prepared Crop-wise, Reference Unit Area-wise, Gender-wise and
Category-wise) and with requisite premium by 31st August 2015. The last
date for accepting Proposals for coverage from Non-Loanee farmers is 07th
July 2015. The Nodal Bank would submit the ‘Non-loanee Declarations’ along
with requisite premium by 31st July 2015 . A copy of the Non-loanee Proposal
cum Registration Form (Annexure WB X), Non-Loanee Declaration format
(Annexure WB IX) and Loanee-Declaration format (Annexure WB VII) and
Listing Sheet Format for Bank Branches/PACS for reporting to their nodal
offices (Annexure WB-VIII) is appended with this communication.
13.All payouts under the scheme are settled by Agriculture Insurance Company
of India Limited (AIC), and to the extent possible within 45 days from the end
of the risk period subject to the availability of weather data for the
coverage period and receipt of State Government Share of Premium
Subsidy.
14.The Claim payouts for a Reference Unit Area (RUA) under the WBCIS would
be made only on the basis of the weather data during the cover period as
received from the respective notified Reference Weather Station (RWS).
49
We now request you to implement the WBCIS strictly as per the Government
notification and these guidelines furnished and issue necessary circulars in this
regard to all your Bank Branches/PACS urgently. In case of any clarification required
you may contact us in the below mentioned address:
AGRICULTURE INSURANCE COMPANY OF INDIA LTD.

Regional Office ( Kerala), 8th floor, Carmel Towers,
Phone : 0471–2334493, 2334989 Fax : 0471-2334989
E-mail: ro.thiruvananthapuram@aicofindia.com
For any grievances contact the Grievance Redressal Cell at the Regional Office in the
above mentioned address
Thanking You,
Yours faithfully
D.Rajesh
Regional Manager
Copy to:
1. The Agriculture Production Commissioner Govt. of Kerala, Thiruvananthapuram.

2. The Secretary (Finance), Govt.of Kerala, Secretariat, Thiruvananthapuram.
3. The Secretary (Agriculture), Govt. of Kerala, Secretariat, Thiruvananthapuram.
4. The Director, Department of Agriculture, Vikas Bhavan, Thiruvananthapuram.
5. The Registrar of Co-operative Societies, Thiruvananthapuram.
6. The Director, Department of Economics & Statistics, Thiruvananthapuram.
7. The General Manager, RBI (Rural Planning & Credit), Thiruvananthapuram
8. The Chief General Manager, NABARD, RO, Thiruvananthapuram
9. The General Manager &Convenor, SLBC, Canara Bank, Thiruvananthapuram.
10. The Chief(Agri) State Planning Board ,Thiruvananthapuram
11. The Managing Director, Kerala State Co-op. Bank Ltd., Thiruvananthapuram
12. All Controlling Offices of Commercial Banks, Regional Rural Banks in Kerala.
13. District Collectors of the implementing Districts.
14. Director, India Meteorological Department (IMD), Thiruvananthapuram.
50
Annexure WB-1
List of District-wise Crops and Areas Notified for WBCIS Kharif 2015 Season
Sl No Districts Crops Covered

1 Thiruvananthapuram Paddy, Banana
2 Kollam Paddy, Banana, Pepper, Turmeric
3 Kottayam Banana, Pepper, Pineapple

Paddy, Banana, Pepper, Ginger, Turmeric, Sugarcane,
4 Idukki
Cardamom, Pineapple
5 Ernakulam Paddy,Banana,Turmeric,Pineapple,Nutmeg
6 Thrissur Paddy,Banana,Arecanut,Nutmeg
Paddy,Banana,Pepper,Ginger,Turmeric,Sugarcane,Carda
7 Palakkad
mom,Arecanut
8 Malappauram Paddy,Banana,Pepper,Turmeric,Arecanut
9 Kozhikkode Paddy,Pepper,Turmeric,Arecanut,Banana
10 Kannur Paddy,Banana,Pepper,Arecanut
Paddy,Banana,Pepper,Ginger,Turmeric,Cardamom,
11 Wayanad
Arecanut
12 Kasargode Paddy,Banana,Pepper, Arecanut
NB: Banana Crop is notified only in the Panchayats/Municipalities where RWS's are isntalled as per Annexure WB III
51
Annexure WB-II
District -wise List of Reference Unit Area(RUA) ,Reference Weather Station (RWS)
Excep
& Back Up Weather Stations(BWS) for All Crops Except Banana
1 DISTRICT: THIRUVANANTHAPURAM
Sl
Reference Unit Area Group Reference Weather Station (RWS) Back Up Weeather Station (BWS)
No
1 Sreekariyam
2 Pothencode
3 Ulloor
4 Kazhakkoottam
SKYMET AWS at Krishi Bhavan
5 Mangalapuram 1 SKYMET AWS at Krishi Bhavan Attingal
Kazhakkoottam
6 Kadakampalli
7 Andoorkkonam
8 Attipra
9 Kadinamkulam
10 Karakulam
11 Vattiyoorkkavu
12 Kudappanakkunnu
13 Aruvikkara
14 Panavoor
2 SKYMET AWS at Krishi Bhavan Nedumangad SKYMET AWS at Krishi Bhavan Vellanad
15 Anad
16 Nedumangad Municipality
17 Nanniyode
18 Peringamala
19 Vembayam
20 Parassala
21 Karode
22 Kulathoor
3 SKYMET AWS at Panchayat Office Kulathoor SKYMET AWS at Panchayat Office Venganoor
23 Chenkal
24 Thirupuram
25 Poovar
26 Attingal
27 Mudakkal
28 Kadakkavoor
29 Anchuthengu
4 SKYMET AWS at Krishi Bhavan Attingal SKYMET AWS at Krishi Bhavan Kazhakkoottam
30 Vakkom
31 Kizhuvillam
32 Chirayinkeezhu
33 Azhoor
34 Kattakkada
35 Poovachal
36 Kuttichal
37 Vellanad
5 SKYMET AWS at Krishi Bhavan Vellanad SKYMET AWS at Krishi Bhavan Nedumangad
38 Aryanad
39 Uzhamalakkal
40 Tholikkode
41 Vithura
42 Manamboor
43 Ottur
44 Chemmaruthi
52
45 Cherunniyoor
6 SKYMET AWS at Krishi Bhavan Ottoor SKYMET AWS at Krishi Bhavan Attingal
46 Edava
47 Elakamon
48 Varkala
49 Vettoor
50 Athiyannoor
51 Kanjiramkulam
52 Karimkulam
53 Neyyattinkara Municipality
7 SKYMET AWS at Panchayat Office Venganoor SKYMET AWS at Panchayat Office Kulathoor
54 Kottukal
55 Vizhinjam
56 Venganoor
57 Thiruvallom
58 Manikkal
59 Nellanad
60 Vamanapuram
8 SKYMET AWS at Krishi Bhavan Nellanad SKYMET AWS at Krishi Bhavan Attingal
61 Pullampara
62 Kallara
63 Pangode
64 Perumpazhuthoor
65 Perumkadavila
66 Kollayil
67 Kunnathukal
68 Ottasekharamangalam 9 SKYMET AWS at Panchayat Office Kallikkad SKYMET AWS at Krishi Bhavan Vellanad
69 Aryancode
70 Vellarada
71 Amboori
72 Kallikkad
73 Pulimath
74 Nagaroor
75 Karavaram
76 Navaikkulam
10 SKYMET AWS at Krishi Bhavan Karavaram SKYMET AWS at Krishi Bhavan Ottoor
77 Pallikkal
78 Madavoor
79 Kilimanoor
80 Pazhayakunnummel
81 Balaramapuram
82 Pallichal
83 Nemom
84 Maranalloor
85 Kalliyoor 11 SKYMET AWS at Panchayat Office Kalliyoor SKYMET AWS at Panchayat Office Venganoor
86 Vilavoorkkal
87 Vilappuil
88 Marukil
89 Thiruvananthapuram Corp
2 DISTRICT: KOLLAM
Sl
No
1 Oachira
2 Clapana
SKYMET AWS at Coconut Nursery,
3 Thazhava SKYMET AWS at ADA Office Chavara
Karunagapally-690523
4 KS Puram 1
53
5 Karunagappally
6 Thodiyoor
7 Alappad
8 Chavara
9 Panmana
SKYMET AWS at Coconut Nursery,
10 Neendakara 2 SKYMET AWS at ADA Office Chavara
Karunagapally-690523
11 Thevalakkara
12 Thekkumbhagom
13 Sashthancotta
14 Sooranad (North)
15 Sooranad (South)
SKYMET AWS at Block Office(Chittumala) East
16 West Kallada 3 SKYMET AWS at Krishi Bhavan Sasthankotta
Kallada
17 Poruvazhy
18 Kunnathoor
19 Mynagappally
20 Eravipuram
21 Mayyanad
22 Vadakkevila
23 Kottamkara
SKYMET AWS at Panchayat Office
24 Thrikkovilvattom 4 SKYMET AWS at ADA Office Chathannoor
Thrikkovilvattom
25 Elampalloor
26 Kollam
27 Kilikkolloor
28 Sakthikulangara
29 Chathannoor
30 Paravoor
31 Poothakkulam
32 Kalluvathukkal 5 SKYMET AWS at ADA Office Chathannoor
Thrikkovilvattom
33 Adichanalloor
34 Nedumpana
35 Chirakkara
36 Kundara
37 Perinadu
38 Perayam
39 East Kallada SKYMET AWS at Block Office (Chittumala)
6 SKYMET AWS at Krishi Bhavan Sasthankotta
40 Monrothuruthu East Kallada
41 Panayam
42 Thrikkaruva
43 Thrikkadavur
44 Kottarakkara
45 Neduvathoor
46 Ezhukone
47 Kareepra
7 SKYMET AWS at Cashew Farm Kottarakkara SKYMET AWS at Krishi Bhavan Melila
48 Veliyam
49 Pooyappally
50 Velinalloor
51 Elamad
52 Vettikkavala
53 Melila
54 Ummannoor
8 SKYMET AWS at Krishi Bhavan Melila SKYMET AWS at Cashew Farm Kottarakkara
55 Mylom
56 Kulakkada
57 Pavithreshwaram
54
58 Ittiva
59 Anchal
60 Edamulakkal
9 SKYMET AWS at District Agri Farm Ittiva SKYMET AWS at State Seed Farm Kadakkal
61 Alayamon
62 Yeroor
63 Chadayamangalam
64 Kulathupuzha
SKYMET AWS at Krishi Bhavan
65 Thenmala 10 SKYMET AWS at State Seed Farm Kadakkal
Kulathuppuzha
66 Aryankavu
67 Pathanapuram
68 Piravanthur SKYMET AWS at Krishi Bhavan
11 SKYMET AWS at Krishi Bhavan Punalur
69 Pattazhi North Pathanapuram
70 Pattazhi South
71 Vilakkudy
72 Punalur Municipality
12 SKYMET AWS at Krishi Bhavan Punalur SKYMET AWS at Krishi Bhavan Pathanapuram
73 Karavalloor
74 Thalavoor
75 Kummil
76 Chithara
13 SKYMET AWS at State Seed Farm Kadakkal SKYMET AWS at District Agri Farm Ittiva
77 Kadakkal
78 Nilamel
3 DISTRICT:KOTTAYAM
Sl
Reference Unit Area(RUA) Group Reference Weather Station (RWS) Back up Weather Station(BWS)
No
1 Kuravilangadu
2 Manjoor
3 Kanakkary
4 Kadaplamattam SKYMET AWS at Kkrishi Bhavan
1 SKYMET AWS at Krishi Bhavan Kuruvilangadu
5 Marangattupilly Udayanapuram
6 Uzhavoor
7 Njeezhoor
8 Kaduthuruthy
9 Udayanapuram
10 Vaikom
11 Maravanthuruth
12 Thalayolaparambu SKYMET AWS at Krishi Bhavan
2 SKYMET AWS at Krishi Bhavan Kuruvilangadu
13 Chembu Udayanapuram
14 Velloor
15 Thalayazham
16 T.V. Puram
17 Aymanam
18 Vechoor
19 Thiruvarppu
20 Kumarakom 3 SKYMET AWS at Krishi Bhavan, Arpookkara SKYMET AWS at Krishi Bhavan Puthupally
21 Arpookkara
22 Kallara
23 Neendoor
24 Vijayapuram
25 Kottayam
26 Kumaranalloor
27 Manarcadu 4 SKYMET AWS at Krishi Bhavan Puthupally
Nedumkunnam
28 Puthuppally
55
29 Nattakom
30 Panachikkadu
31 Vazhappally
32 Kurichy
33 Changanasserry
34 Thrikkodithanam 5 SKYMET AWS at Krishi Bhavan Vazhappally
Nedumkunnam
35 Madappally
36 Paippadu
37 Vakathanam
38 Pala
39 Mutholy
40 Kozhuvanal
6 SKYMET AWS at Krishi Bhavan Pala SKYMET AWS at Krishi Bhavan Pallickathode
41 Karoor
42 Meenachil
43 Bharananganam
44 Pallikkathodu
45 Akalakkunnam
7 SKYMET AWS at Krishi Bhavan Pallickathode SKYMET AWS at Krishi Bhavan Pala
46 Elikkulam
47 Vazhoor
48 Nedumkunnam
49 Karukachal
50 Kangazha SKYMET AWS at Panchayat Office
8 SKYMET AWS at Krishi Bhavan Puthupally
51 Vellavoor Nedumkunnam
52 Pampady
53 Meenadom
4 DISTRICT : IDUKKI
Sl
Reference Unit Area(RUA) Group Reference Weather Station (RWS) Back up Weather Station(BWS)
No
1 Nedunkandam
2 Pampadumpara
1 NCMSL AWS at CRS Pambadumpara IMD's RGS at Cheruthoni
3 Karunapuram
4 Vandanmedu
5 Rajakumari
6 Rajakkad 2 NCMSL AWS at Panchayat Office Rajakkad IMD's RGS at Cheruthoni
7 Bison Valley
8 Kattappana
9 Erattayar
10 Ayyappankovil 3 NCMSL AWS at TEC Vazhavara RGS at TEC, Vazhavara
11 Kanchiyar
12 Kamakshi
13 Mariyapuram
14 Kanjikkuzhi
4 SKYMET AWS at Krishi Bhavan Vazhathope IMD's RGS at Cheruthoni
15 Vazhathope
16 Arakkulam
17 Peruvanthanam NCMSL AWS at Panchayat Office
5 NCMSL AWS at Vandipperiyar
18 Kokkayar Peruvanthanom
19 Konnathadi
6 NCMSL AWS at Krishi Bhavan Konnathadi NCMSL AWS at Adimali
20 Vathikkudi
21 Elappara
22 Peerumedu 7 NCMSL AWS at Krishi Bhavan Elappara NCMSL AWS at State Veg Farm Vandipperiyar
23 Upputhura
24 Kumily
56
25 Vandipperiyar 8 NCMSL AWS at State Veg Farm Vandipperiyar IMD's RGS at Peerumed
26 Chakkupallom
27 Adimaly
28 Pallivasal
9 NCMSL AWS at Panchayat Office Adimali RGS at JLO Office,Adimali
29 Vellathooval
30 Mankulam
31 Marayoor
32 Kanthalloor 10 NCMSL AWS at Krishi Bhavan Kanthalloor SKYMET AWS at Krishi Bhavan Munnar
33 Vattavada
34 Munnar
35 Devikulam 11 SKYMET AWS at Krishi Bhavan Munnar NCMSL AWS at Panchayat Office Adimali
36 Edamalakkudy
37 Senapathy
38 Udumbanchola
12 NCMSL AWS at KVK Santhanpara NCMSL AWS at Panchayat Office Rajakkad
39 Chinnakkanal
40 Santhanpara
41 Vannappuram
NCMSL AWS at Block Panchayat Office
42 Kodikkulam 13 NCMSL AWS at State Seed Farm Karimannur
Alakkode
43 Karimannur
44 Veliyamattom
45 Alakkode NCMSL AWS at Block Panchayat Office SKYMET AWS at Dr. Vineeth R Sivam, Opp
14
46 Kudayathoor Alakkode Mount Sinai hospital, Thodupuzha
47 Muttom
48 Edavetty
49 Manakkad
50 Kumaramangalam SKYMET AWS at Dr. Vineeth R Sivam, Opp
15 AWS at StateSeed Farm Karimannur
51 Purappuzha Mount Sinai hospital, Thodupuzha
52 Karinkunnam
53 Thodupuzha Muni
5 District : ERNAKULAM
Sl
No
1 Varapuzha
2 Kottuvally
3 Chendamangalam
4 Vadakkekara SKYMET AWS at Krishi Bhavan
1 SKYMET AWS at Krishi Bhavan Nayarambalam
5 Chittattukara Chendamangalam
6 Parur Municipality
7 Ezhikkara
8 Pallippuram
9 Kuzhippilly
10 Edavanakkad
11 Nayarambalam
12 Narakkal SKYMET AWS at Krishi Bhavan
2 SKYMET AWS at Krishi Bhavan Kumbalangi
13 Elamkunnapuzha Nayarambalam
14 Mulavukad
15 Cheranelloor
16 Kadamakudy
17 Kumbalam-Panangad
18 Chellanam
19 Kumbalanghi
20 Kochin Corporation 3 SKYMET AWS at Krishi Bhavan Kumbalangi SKYMET AWS at Krishi Bhavan Nayarambalam
57
21 Maradu
22 Thiruvankulam
23 Tripunithura Municipality
24 Kalamassery Municipality
25 Thrikkakkara
26 Kadungallur
27 Karumalloor
28 Alengad SKYMET AWS at Krishi Bhavan
4 SKYMET AWS at ADA Office Alangad
29 Eloor Kizhakkambalam
30 Aluva Municipality
31 Kunnukara
32 Chengamanad
33 Choornikkara
34 Nedumbassery
35 Parakkadavu
36 Puthenvelikara
37 Keezhmad SKYMET AWS at Krishi Bhavan SKYMET AWS at Mini Civil Station
5
38 Edathala Kizhakkambalam Perumbavoor Municipality
39 Kizhakkambalam
40 Vengola
41 Vazhakulam
42 Mudakuzha
43 Koovappady
44 Rayamangalam SKYMET AWS at Mini Civil Station SKYMET AWS at Krishi Bhavan
6
45 Asamannoor Perumbavoor Municipality Kizhakkambalam
46 Perumbavoor Municipality
47 Okkal
48 Kalady
49 Manjapara
50 Kanjoor
51 Sreemoolanagaram SKYMET AWS at Mini Civil Station
7 SKYMET AWS at Krishi Bhavan Mookkanoor
52 Thuravoor Perumbavoor Municipality
53 Karukutty
54 Mookkannoor
55 Angamaly Municipality
56 Kunnathunad
57 Mazhuvannoor
58 Poothrikka SKYMET AWS near Panchayath office
8 SKYMET AWS at Krishi Bhavan Poothrikka
59 Thiruvaniyoor Manjalloor
60 Aikkaranad
61 Vadavucode-Puthencruz
62 Valakam
63 Paipra
64 Kalloorkad
65 Ayavana SKYMET AWS near Panchayath office
9 SKYMET AWS at Krishi Bhavan Poothrikka
66 Avoly Manjalloor
67 Manjalloor
68 Arakkuzha
69 Muvattupuzha Municipality
70 Malayattoor-Neeleswaram
71 Ayyampuzha
10 SKYMET AWS at Krishi Bhavan Vengoor SKYMET AWS at Krishi Bhavan Nellikkuzhy
72 Vengoor
73 Kottappady
58
74 Kothamangalam Municipality
75 Nellikuzhy
76 Varappetty 11 SKYMET AWS at Krishi Bhavan Nellikkuzhy SKYMET AWS at Krishi Bhavan Vengoor
77 Pallarimangalam
78 Pothanicad
79 Keerampara
80 Kavalangad
SKYMET AWS at District Agri Farm
81 Paingottoor 12 SKYMET AWS at Krishi Bhavan Nellikkuzhy
Neriyamangalam
82 Kuttampuzha
83 Pinidimana
84 Palakkuzha
85 Koothattukulam
86 Elenji
87 Piravom SKYMET AWS at Block Panchayat Office SKYMET AWS at Block Panchayat Office
13
88 Thirumarady Pambakkuda Mulanthuruthy
89 Marady
90 Ramamangalam
91 Pampakuda
92 Maneed
93 Edakkattuvayal
94 Amballoor
SKYMET AWS at Block Panchayt Office SKYMET AWS at Block Panchayat Office
95 Chottanikkara 14
Mulanthuruthy Pambakkuda
96 Mulanthuruthy
97 Thiruvankulam
98 Udayamperoor
6 District :THRISSUR
Sl.
Reference Unit Area (RUA) Group Reference Weather Station (RWS) Back Up Weather Station (BWS)
No.
1 Aloor
2 Annamanada
3 Chalakkudy
4 Kadukutty
5 Kodassery
6 Koratty
1 SKYMET AWS at ADA Office Chalakkudy SKYMET AWS at ADA Office Vellangalloor
7 Kuzhur
8 Mala
9 Meloor
10 Pariyaram
11 Poyya
12 Vettilappara
13 Chelakkara
14 Desamangalam
15 Kondazhy
16 Mulloorkkara
SKYMET AWS at Govt Ayurvedic Hospital
17 Panjal 2 SKYMET AWS at Krishi Bhavan Chelakkara
Madakkathara
18 Pazhayannur
19 Thekkumkara
20 Thiruvilwamala
21 Vallatholenagar
22 Arimpur
23 Avinissery
24 Ayyanthole
59
25 Cherpu
26 Karalam SKYMET AWS at Krishi Bhavan
3 SKYMET AWS at Krishi Bhavan Thanniyam
27 Koorkkanchery Koorkkanchhery
28 Ollur
29 Paralam
30 Thrissur
31 Vallachira
32 Kolazhy
33 Madakkathara
34 Nadathara
SKYMET AWS at Govt Ayurvedic Hospital
35 Ollukkara 4 SKYMET AWS at Krishi Bhavan Chelakkara
Madakkathara
36 Pananchery
37 Puthur
38 Vilvattom
39 Avanur
40 Erumapetty
41 Kadangode
42 Kaiparambu
43 Mulangunnathukavu
5 SKYMET AWS at Krishi Bhavan Mundathicode SKYMET AWS at Panchayat Office Porkkulam
44 Mundathicode
45 Tholur
46 Varavoor
47 Velur
48 Wadakkanchery
49 Arthat
50 Choondal
51 Chowannur
52 Kadavallur
53 Kandanissery
54 Kattakampal
6 SKYMET AWS at Panchayat Office Porkkulam SKYMET AWS at Krishi Bhavan Mundathicode
55 Kunnamkulam
56 Pookkode
57 Porkkulam
58 Punnayoor
59 Punnayoorkulam
60 Vadakkekad
61 Anthikkad
62 Chazhur
63 Edathiruthy
64 Kattoor
65 Manalur
66 Nattika 7 SKYMET AWS at Krishi Bhavan Thanniyam SKYMET AWS at Krishi Bhavan Koorkkanchery
67 Porathissery
68 Thalikulam
69 Thanniyam
70 Valappad
71 Vatanappilly
72 Alagappanagar
73 Kodakara
74 Mattathur
SKYMET AWS at Karshakasamithi Office near
75 Nenmanikkara 8 State seed store, Nanthipalam, SKYMET AWS at ADA Office Chalakkudy
Varantharappilly
76 Pudukkad
77 Thrikkur
60
78 Varantharappilly
79 Edavilangu
80 Eriyad
81 Irinjalakkuda
82 Kaipamangalam
83 Kodungallur
84 Mathilakam
85 Methala
86 Muriyad
9 SKYMET AWS at ADA Office Vellangalloor SKYMET AWS at ADA Office Chalakkudy
87 Padiyur
88 Parappukkara
89 Perinjanam
90 Poomangalam
91 Puthanchira
92 Sreenarayanapuram
93 Vellangallur
94 Velookkara
95 Adat
96 Chavakkad
97 Elavally
98 Engandiyur
99 Guruvayur
100 Kadappuram 10 SKYMET AWS at Krishi Bhavan Vankidangu SKYMET AWS at Krishi Bhavan Koorkkanchery
101 Mullassery
102 Ourmanayur
103 Pavaratty
104 Thaikkad
105 Venkitangu
7 DISTRICT : PALAKKAD
Sl.
No.
1 Kizhakkenchary
2 Vandazhy
3 Vadakkanchery
4 Pudukkode
5 Kannambra
1 NCMSL AWS State Seed Farm ,Alathur NCMSL AWS at ADA Office, Nemmara
6 Tarur
7 Kavassery
8 Alathur
9 Erimayur
10 Melarcode
11 Vadakarapathy
SKYMET AWS at Krishi Bhavan Vadavannur,
12 Eruthiampathy 2 NCMSL AWS at ISDF Eruthiampathy
Kollengode
13 Kozhinjampara
14 Nalleppally
15 Perumatty SKYMET AWS at Krishi Bhavan Vadavannur,
3 NCMSL AWS at Krishi Bhavan,Nalleppally
16 Pattanchery Kollengode
17 Chittur-Thathamangalam Muni
18 Koduvayoor
19 Vadavannoor
4 SKYMET AWS at Krishi Bhavan Vadavannur, NCMSL AWS at ISDF Eruthiampathy
20 Kollengode
Kollengode
21 Puthunagaram
61
22 Muthalamada
23 Pallassana
24 Elevanchery
25 Peruvemba
26 Mannarkkad
27 Thenkara
28 Kanjirappuzha 5 SKYMET AWS at Krishi Bhavan Mannarkkad SKYMET AWS at Krishi BhavanPattambi
29 Thachampara
30 Karimba
31 Alanelloor
32 Kottoppadam
NCMSL AWS at H/O Koyamu. House Name;
33 Thachanattukara 6 Kongath. Near to Krishibhavan, SKYMET AWS at Krishi Bhavan Mannarkkad
Thatchanattukara, Dist: Palakkad-678583
34 Kumaramputhoor
35 Karakkurissy
36 Koppam
37 Ongalloor
38 Parathur
39 Muthuthala
40 Pattambi 7 SKYMET AWS at Krishi Bhavan Pattambi NCMSL AWS at State Seed Farm, Ananganadi
41 Thiruvengapura
42 Vallapuzha
43 Kulukkalloor
44 Vilayoor
45 Anakkara
46 Chalissery
47 Kapur
NCMSL AWS at Gram Panchayat
48 Nagalassery 8 SKYMET AWS at Krishi BhavanPattambi
Office,Pattithara
49 Pattithara
50 Thirumittacode
51 Thrithala
52 Ananganadi
53 Lakkidiperoor
54 Vaniamkulam
55 Ottappalam Muni
56 Shornur Muni 9 NCMSL AWS at State Seed Farm, Ananganadi SKYMET AWS at Krishi BhavanPattambi
57 Nellaya
58 Cherplassery
59 Keralassery
60 Mannur
61 Kadampazhippuram
62 Karimpuzha
63 Pookkottukavu
64 Sreekrishnapuram NCMSL AWS at Gram Panchayat
10 NCMSL AWS at State Seed Farm, Ananganadi
65 Thrikkaderi Office,Sreekrishnapuram
66 Vellinezhi
67 Ambalappara
68 Chalavara
69 Kodumba
70 Elappully
71 Polpully
72 Pudussery NCMSL AWS at Observatory, State Seed Farm
11 NCMSL AWS at Gram Panchayat Office,Parli
73 Marutharode Marutharode Kunnannoor
74 Palakkad Muni
62
75 Akathethara
76 Malampuzha
77 Puduppariyaram
78 Mundur
79 Pirayeri NCMSL AWS at Observatory, State Seed Farm
12 NCMSL AWS at Gram Panchayat Office,Parli
80 Parali Marutharode Kunnannoor
81 Mankara
82 Kongad
83 Kuzhalmannom
84 Kottayi
85 Mathur
86 Kuthanoor 13 NCMSL AWS at Krishi Bhavan,Kuthannoor NCMSL AWS State Seed Farm,Alathur
87 Peringottukurissy
88 Thenkurissy
89 Kannadi
90 Ayiloor
91 Nemmara 14 NCMSL AWS at ADA Office, Nemmara NCMSL AWS State Seed Farm,Alathur
92 Nelliyampathy
8 DISTRICT : MALAPPURAM
Sl.
No.
1 Pandikkad
2 Thuvoor
3 Porur
1 SKYMET AWS at H/o Ummer P ,Wandoor SKYMET AWS at Al Nazar Studio,Kalikavu
4 Wandoor
5 Thiruvaly
6 Thrikkalangode
7 Edavanna
8 Kavannoor SKYMET AWS at Alikutty NV House,
2 SKYMET AWS at PAO's Office,Malappuram
9 Oorangattiri Areekkode
10 Areekkode
11 Karuvarakkundu
12 Kalikavu
3 SKYMET AWS at Al Nazar Studio,Kalikavu SKYMET AWS at H/o Ummer P ,Wandoor
13 Amarambalam
14 Chokkad
15 Kottakkal
16 Malapuram
17 Ponmala
18 Pookkottoor 4 SKYMET AWS at PAO's Office,Malappuram SKYMET AWS at Panchayat Office ,Vengara
19 Morayoor
20 Anakkayam
21 Kodur
22 Vengara
23 AR Nagar
24 Kannamangalam 5 SKYMET AWS at Panchayat Office ,Vengara SKYMET AWS at PAO's Office,Malappuram
25 Oorakam
26 Othukkungal
27 Kuttippuram
28 Irimpilayam
29 Valanchery
30 Edayoor 6 SKYMET AWS at Krishi Bhavan,Valancheri SKYMET AWS at PAO's Office,Malappuram
31 Marakkara
63
32 Athavanad
33 Kalpakanchery
34 Chungathara
35 Edakkara
36 Nilambur
7 SKYMET AWS at H/o Samuel,Chungathara SKYMET AWS at H/o Ummer P ,Wandoor
37 Karulayi
38 Moothedam
39 Vazhikkadavu
9 DISTRICT : KOZHIKKODE
Sl.
No.
1 Koorachundu
2 Kavilumpara
3 Kayakkodi
1 SKYMET AWS at Krishi Bhavan,Kavilumpara SKYMET AWS at Panchayat Office,Nadapuram
4 Chakkittappara
5 Naripatta
6 Maruthonkara
7 Koodarinji
8 Puthuppady
9 Thamarassery
SKYMET AWS at State Seed Farm,
10 Thiruvambady 2 SKYMET AWSat Panchayat Office,Koduvally
Puthuppady
11 Kodenchery
12 Kattippara
13 Karassery
14 Atholi
15 Balussery
16 Kottur
17 Naduvannoor
18 Panangad
19 Ulliyeri
20 Unnikkulam 3 SKYMET AWS at H/o Abdulla TP, Balussery
Puthuppady
21 Chelannoor
22 Kakkodi
23 Kakkur
24 Nanmanda
25 Narikkunni
26 Thalakkalathoor
27 Vanimel
28 Nadapuram
29 Kunnummel
30 Velom
31 Thiruvalloor
32 Villiappally
4 SKYMET AWS at Panchayat Office,Nadapuram SKYMET AWS at ADA's Office, Perambra
33 Chekkiad
34 Edachery
35 Puramery
36 Valayam
37 Ayyanchery
38 Thuneri
39 Kozhakkoth
40 Koduvally
41 Madavur
64
42 Omassery
43 Chathamangalam
44 Kodiyathoor 5 SKYMET AWS at Panchayat Office,Koduvally SKYMET AWS at Krishi Bhavan,Puthuppady
45 Kunnamangalam
46 Kuruvathoor
47 Mavoor
48 Mukkom
49 Peruvayal
50 Elathoor
51 Perumanna
52 Kozhikkode
53 Bepoor
SKYMET AWS at H/o Muhammed Haneefa
54 Cheruvathoor-Nallalam 6 SKYMET AWS at Panchayat Office,Koduvally
,Bepoor
55 Feroke
56 Olavanna
57 Kadalundi
58 Ramanattukara
59 Payyoli
60 Thikkodi
61 Thurayoor
62 Moodadi
63 Maniyoor
64 Azhiyoor
65 Chorode
66 Eramala 7 SKYMET AWSat Panchayat Office,Koduvally
Puthuppady
67 Oonchiyam
68 Vadakara
69 Chemmanchery
70 Chengottukavu
71 Koyilandi
72 Keezhariyoor
73 Arikkulam
74 Koothali
75 Changaroth
76 Cheruvannoor
77 Kayana 8 SKYMET AWS at ADA's Office,Perambara SKYMET AWS at Panchayat Office,Nadapuram
78 Nochad
79 Kuttiadi
80 Perambra
10 DISTRICT:KANNUR
Sl.
No.
1 Anjarakkandi
2 Chelora
3 Chembilode
4 Munderi
5 Mattannoor Muni
6 Vengad
7 Kolachery SKYMET AWS at Coconut Hybridisation Centre
1 SKYMET AWS t H/o Anil Kumar, Muzhakkunnu
8 Padiyoor ,Chalode
9 Kuttiyathoor
10 Malapattanam
65
11 Mayyil
12 Irikkur
13 Keezhalloor
14 Koodali
15 Cherukunnu
16 Cheruthazhom
17 Ezhome
18 Kalliassery
19 Kannapuram
2 SKYMET AWS at H/o PM Haneef,Madayi SKYMET AWS at Krishi Bhavan,Kankole
20 Madayi
21 Mattool
22 Pappinissery
23 Pattuvom
24 Kunhiimangalam
25 Narath
26 Chirakkal
27 Puzhathy
28 Edakkad
SKYMET AWS at Coconut Hybridisation Centre
29 Elavayoor 3 SKYMET AWS at PAO's Office,Kannur
,Chalode
30 Valapattanam
31 Pallikkunnu
32 Kannur Muni
33 Azhikkode
34 Kadannappally-Panappuzha
35 Cherupuzha
36 Eramomkuttoor
37 Kankole-Alappadamba
4 SKYMET AWS at State Seed Farm,Kankole SKYMET AWS at H/o PM Haneef,Madayi
38 Karivelloor-Peralam
39 Peringome
40 Ramanthali
41 Payyanur Muni
42 Dharmadom
43 Eranoli
44 Muzhappilangad
45 Kadirur
46 Kottayam
5 SKYMET AWS at Coconut Nursery,Palayad SKYMET AWS at PAO's Office,Kannur
47 Thalassery Muni
48 Kodiyeri
49 Kadambur
50 Pinarayi
51 Peralasery
52 Chittaripparamba
53 Chokli
54 Kariyad
55 Kunnothuparamba
56 Mangathidom
57 Mokeri
SKYMET AWS at Susheela MP Cheriya,
58 New Mahi 6 Kunnothuparamba Po, Cherumparamba, Pin: SKYMET AWS at Coconut Nursery,Palayad
670693, Kannur, Kerala
59 Paniyannoor
60 Panoor
61 Pattiam
62 Peringalam
63 Thrippangottoor
66
64 Koothuparambu Muni
65 Thillankeri
66 Peravoor
67 Kottiyoor
68 Muzhakkunnu
69 Maloor
70 Kelakom
71 Kolayad SKYMET AWS at H/o Anil Kumar, SKYMET AWS at Coconut Hybridisation Centre
7
72 Kanichar Muzhakkunnu ,Chalode
73 Aralam
74 Ayyankunnu
75 Keezhoor
76 Chavassery
77 Payam
78 Ulikkal
79 Andoor
80 Alakkode
81 Chapparappadavu
82 Chengalayi
83 Eruvassy
84 Kurumathoor SKYMET AWS at District Agri
8 SKYMET AWS at PAO's Office,Kannur
85 Naduvil Farm,Kurumathoor ,Thalipparamba
86 Pariyaram
87 Payyavoor
88 Sreekandapuram
89 Udayagiri
90 Thalipparamba Muni
11 DISTRICT : WAYANAD
Sl.
No.
1 Thavinjal
1 NCMSL AWS at Krishi Bhavan,Thavinjal NCMSL AWS at SLO Offfice,Mananthawady
2 Thirunelly
3 Panamaram NCMSL AWS at Coffee Board Offfice,
2 NCMSL AWS at JLO Office, Panamaram
4 Kaniyambatta Meenangadi
5 Kalpatta
3 NCMSL AWS at Coffee Board Office ,Kalpetta RGS at TEC ,Kalpetta
6 Vengappally
7 Mullankolli NCMSL AWS at JLO Office, Coffee Board, RGS at Rose Maria Estate ,pambra Post
4
8 Pulpally Pulpally Pulpally
9 Mananthawady
5 NCMSL AWS at SLO Offfice,Mananthawady NCMSL AWS at Krishi Bhavan,Thavinjal
10 Edavaka
11 Thondarnad
6 NCMSL AWS at Krishi Bhavan,Kanjirangad NCMSL AWS at SLO Offfice,Mananthawady
12 Vellamunda
13 Padinjarethara
NCMSL AWS at Krishi
14 Kottathara 7 Bhavan,Thariode,Chenmalode,Vythiri Wayanad- NCMSL AWS at SLO Offfice,Mananthawady
673121
15 Thariyode
16 Meppady
8 NCMSL AWS at Krishi Bhavan,Meppady RGS at RCRS,Chundale
17 Mooppainadu
18 Ambalavayal
9 NCMSL AWS at Krishi Bhavan,Ambalavayal RGS at KAU ,Ambalavayal
19 Nenmeni
20 Sulthan Bathery 10 NCMSL AWS at EEC Market ,Ammayippalam RGS at SLO Office, Sulthan Bathery
21 Noolppuzha 11 NCMSL AWS at Krishi Bhavan ,Noolpuzha RGS at SLO Office, Sulthan Bathery
22 Poothady
NCMSL AWS t C ff B d Offi
67
23 Meenangadi 12 NCMSL AWS at Coffee Board Office,
NCMSL AWS at EEC Market ,Ammayippalam
24 Muttil Meenangadi
25 Pozhuthana
13 NCMSL AWS at Krihsi Bhavan,Vythiri RGS at RCRS,Chundale
26 Vythiri
12 DISTRICT : KASARGODE
Sl.
No.
1 Balal
2 Panathady
3 Kallar
1 SKYMET AWS at Krishi Bhavan,Kallar SKYMET AWS H/o Mary George,Parappa
4 Kuttikkol
5 Badadka
6 West Eleri
7 Ajannoor
8 Kanjangad Muni
2 SKYMET AWS at Panchayat Office,Pallikkara SKYMET AWS at Krishi Bhavan ,Pullur
9 Pallikkara
10 Uduma
11 Madikkai
3 SKYMET AWS at State Seed Farm ,Pullur SKYMET AWS at Panchayat Office,Pallikkara
12 Pullur-Periya
13 Padanna
14 Valiyaparamba
15 Thrikkarippoor
4 SKYMET AWS at ADA's Office,Neeleshwar SKYMET AWS at Krishi Bhavan ,Pullur
16 Neeleshwaram
17 Cheruvathoor
18 Pilicode
19 Kayyur-Cheemeni
20 Kinnannoor-Karinthalam
5 SKYMET AWS H/o Mary George,Parappa SKYMET AWSat Krishi Bhavan,Kallar
21 Kodombelur
22 East Eleri
23 Manjeshwaram
24 Mangalpadi
6 SKYMET AWS at Krishi Bhavan, Mangalpadi SKYMET AWS at Krishi Bhavan,Paivelige
25 Kumbala
26 Mogral Puthoor
27 Kasargode Muni
28 Chemnad 7 SKYMET AWS at Krishi Bhavan,Kasargode SKYMET AWS at Krishi Bhavan,Bediadka
29 Madhur
30 Meenja
31 Vorkkady
8 SKYMET AWS at Krishi Bhavan,Paivelige SKYMET AWS at Krishi Bhavan, Mangalpadi
32 Paivelige
33 Puthige
34 Enmakaje
35 Badiadka
36 Kumbaje 9 SKYMET AWS at Krishi Bhavan,Bediadka SKYMET AWS at Krishi Bhavan ,Karadhka
37 Belur
38 Chengala
39 Delampady
40 Karadka 10 SKYMET AWS at Krishi Bhavan ,Karadhka SKYMET AWS at Krishi Bhavan,Bediadka
41 Muliyar
68
Annexure WB-III

District -wise List of Reference Unit Area(RUA) ,Reference Weather Station (RWS) & Back Up Weather Stations(BWS) for Banana
DISTRICT:
1
THIRUVANANTHAPURAM
Sl
Reference Unit Area Reference Weather Station (RWS) Back Up Weeather Station (BWS)
No
1 Kazhakkoottam SKYMET AWS at Krishi Bhavan Kazhakkoottam SKYMET AWS at Krishi Bhavan Attingal
2 Nedumangad Municipality SKYMET AWS at Krishi Bhavan Nedumangad SKYMET AWS at Krishi Bhavan Vellanad
3 Kulathoor SKYMET AWS at Panchayat Office Kulathoor SKYMET AWS at Panchayat Office Venganoor
4 Attingal SKYMET AWS at Krishi Bhavan Attingal SKYMET AWS at Krishi Bhavan Kazhakkoottam
5 Vellanad SKYMET AWS at Krishi Bhavan Vellanad SKYMET AWS at Krishi Bhavan Nedumangad
6 Ottur SKYMET AWS at Krishi Bhavan Ottoor SKYMET AWS at Krishi Bhavan Attingal
7 Venganoor SKYMET AWS at Panchayat Office Venganoor SKYMET AWS at Panchayat Office Kulathoor
69
8 Nellanad SKYMET AWS at Krishi Bhavan Nellanad SKYMET AWS at Krishi Bhavan Attingal
9 Kallikkad SKYMET AWS at Panchayat Office Kallikkad SKYMET AWS at Krishi Bhavan Vellanad
10 Karavaram SKYMET AWS at Krishi Bhavan Karavaram SKYMET AWS at Krishi Bhavan Ottoor
11 Kalliyoor SKYMET AWS at Panchayat Office Kalliyoor SKYMET AWS at Panchayat Office Venganoor
2 DISTRICT: KOLLAM
Sl
No
1 Thodiyoor SKYMET AWS at Coconut Nursery, Karunagapally-690523 SKYMET AWS at ADA Office Chavara
2 Chavara SKYMET AWS at ADA Office Chavara SKYMET AWS at Coconut Nursery, Karunagapally-690523
3 Sashthancotta SKYMET AWS at Krishi Bhavan Sasthankotta SKYMET AWS at Block Office(Chittumala) East Kallada
4 Thrikkovilvattom SKYMET AWS at Panchayat Office Thrikkovilvattom SKYMET AWS at ADA Office Chathannoor
5 Chathannoor SKYMET AWS at ADA Office Chathannoor SKYMET AWS at Panchayat Office Thrikkovilvattom
6 East Kallada SKYMET AWS at Block Office(Chittumala) East Kallada SKYMET AWS at Krishi Bhavan Sasthankotta
7 Kottarakkara SKYMET AWS at Cashew Farm Kottarakkara SKYMET AWS at Krishi Bhavan Melila
8 Melila SKYMET AWS at Krishi Bhavan Melila SKYMET AWS at Cashew Farm Kottarakkara
9 Ittiva SKYMET AWS at District Agri Farm Ittiva SKYMET AWS at Krishi Bhavan Kadakkal
10 Kulathupuzha SKYMET AWS at Krishi Bhavan Kulathuppuzha SKYMET AWS at Krishi Bhavan Kadakkal
11 Pathanapuram SKYMET AWS at Krishi Bhavan Pathanapuram SKYMET AWS at Krishi Bhavan Punalur
12 Punalur Municipality SKYMET AWS at Krishi Bhavan Punalur SKYMET AWS at Krishi Bhavan Pathanapuram
13 Kadakkal SKYMET AWS at Krishi Bhavan Kadakkal SKYMET AWS at District Agri Farm Ittiva
3 DISTRICT:KOTTAYAM
Sl
Reference Unit Area(RUA) Reference Weather Station (RWS) Back up Weather Station(BWS)
No
1 Kuravilangadu SKYMET AWS at Krishi Bhavan Kuruvilangadu SKYMET AWS at Krishi Bhavan Udayanapuram
2 Udayanapuram SKYMET AWS at Krishi Bhavan Udayanapuram SKYMET AWS at Krishi Bhavan Kuruvilangadu
3 Arpookkara SKYMET AWS at Krishi Bhavan, Arpookkara SKYMET AWS at Krishi Bhavan Puthupally
4 Puthuppally SKYMET AWS at Krishi Bhavan Puthupally SKYMET AWS at PHC Premises Nedumkunnam
5 Vazhappally SKYMET AWS at Krishi Bhavan Vazhappally SKYMET AWS at PHC Premises Nedumkunnam
6 Pala SKYMET AWS at Krishi Bhavan Pala SKYMET AWS at Krishi Bhavan Pallickathode
7 Pallikkathodu SKYMET AWS at Krishi Bhavan Pallickathode SKYMET AWS at Krishi Bhavan Pala
8 Nedumkunnam SKYMET AWS at PHC Premises Nedumkunnam SKYMET AWS at Krishi Bhavan Puthupally
4 DISTRICT : IDUKKI
70
Sl
Reference Unit Area(RUA) Reference Weather Station (RWS) Back up Weather Station(BWS)
No
1 Pampadumpara NCMSL AWS at CRS Pambadumpara IMD's RGS at Cheruthoni

2 Rajakkad NCMSL AWS at Panchayat Office Rajakkad IMD's RGS at Cheruthoni
3 Kattappana NCMSL AWS at TEC Vazhavara RGS at TEC, Vazhavara
4 Vazhathope SKYMET AWS at Krishi Bhavan Vazhathope IMD's RGS at Cheuthoni
5 Peruvanthanam NCMSL AWS at Panchayat Office Peruvanthanom NCMSL AWS at State Veg Farm Vandipperiyar
6 Konnathadi NCMSL AWS at Krishi Bhavan Konnathadi NCMSL AWS at Panchayat Office Adimali
7 Elappara NCMSL AWS at Krishi Bhavan Elappara NCMSL AWS at State Veg Farm Vandipperiyar
8 Vandipperiyar NCMSL AWS at State Veg Farm Vandipperiyar IMD's RGS at Peerumed
9 Adimali NCMSL AWS at Panchayat Office Adimali RGS at JLO Office,Adimali
10 Kanthalloor NCMSL AWS at Krishi Bhavan Kanthalloor SKYMET AWS at Krishi Bhavan Munnar
11 Munnar SKYMET AWS at Krishi Bhavan Munnar NCMSL AWS at Panchayat Office Adimali
12 Santhanpara NCMSL AWS at KVK Santhanpara NCMSL AWS at Panchayat Office Rajakkad
13 Karimannur NCMSL AWS at State Seed Farm Karimannur NCMSL AWS at Block Panchayat Office Alakkode
SKYMET AWS at Dr. Vineeth R Sivam, Opp Mount Sinai
14 Alakkode NCMSL AWS at Block Panchayat Office Alakkode
hospital, Thodupuzha
SKYMET AWS at Dr. Vineeth R Sivam, Opp Mount Sinai
15 Thodupuzha Muni NCMSL AWS at State Seed Farm Karimannur
hospital, Thodupuzha
5 District : ERNAKULAM
Sl
No
1 Chendamangalam SKYMET AWS at Krishi Bhavan Chendamangalam SKYMET AWS at Krishi Bhavan Nayarambalam
2 Nayarambalam SKYMET AWS at Krishi Bhavan Nayarambalam SKYMET AWS at Krishi Bhavan Kumbalangi
3 Kumbalanghi SKYMET AWS at Krishi Bhavan Kumbalangi SKYMET AWS at Krishi Bhavan Nayarambalam
4 Alengad SKYMET AWS at ADA Office Alangad SKYMET AWS at Krishi Bhavan Kizhakkambalam
5 Kizhakkambalam SKYMET AWS at Krishi Bhavan Kizhakkambalam SKYMET AWS at Mini Civil Station Perumbavoor Municipality
6 Perumbavoor Municipality SKYMET AWS at Mini Civil Station Perumbavoor Municipality SKYMET AWS at Krishi Bhavan Kizhakkambalam
7 Mookkannoor SKYMET AWS at Krishi Bhavan Mookkanoor SKYMET AWS at Mini Civil Station Perumbavoor Municipality
8 Poothrikka SKYMET AWS at Krishi Bhavan Poothrikka SKYMET AWS at Krishi Bhavan Manjalloor
9 Manjalloor SKYMET AWS at Krishi Bhavan Manjalloor SKYMET AWS at Krishi Bhavan Poothrikka
10 Vengoor SKYMET AWS at Krishi Bhavan Vengoor SKYMET AWS at Krishi Bhavan Nellikkuzhy
11 Nellikuzhy SKYMET AWS at Krishi Bhavan Nellikkuzhy SKYMET AWS at Krishi Bhavan Vengoor
12 Kavalangad SKYMET AWS at District Agri Farm Neriyamangalam SKYMET AWS at Krishi Bhavan Nellikkuzhy
13 Pampakuda SKYMET AWS at Block Panchayat Office Pambakkuda SKYMET AWS at Block Panchayt Office Mulanthuruthy
71
14 Mulanthuruthy SKYMET AWS at Block Panchayt Office Mulanthuruthy SKYMET AWS at Block Panchayat Office Pambakkuda
6 District :THRISSUR
Sl.
Reference Unit Area (RUA) Reference Weather Station (RWS) Back Up Weather Station (BWS)
No.
1 Chalakkudy SKYMET AWS at ADA Office Chalakkudy SKYMET AWS at ADA Office Vellangalloor
2 Chelakkara SKYMET AWS at Krishi Bhavan Chelakkara SKYMET AWS at Govt Ayurvedic Hospital Madakkathara
3 Koorkkanchery SKYMET AWS at Krishi Bhavan Koorkkanchhery SKYMET AWS at Krishi Bhavan Thanniyam
4 Madakkathara SKYMET AWS at Govt Ayurvedic Hospital Madakkathara SKYMET AWS at Krishi Bhavan Chelakkara
5 Mundathicode SKYMET AWS at Krishi Bhavan Mundathicode SKYMET AWS at Panchayat Office Porkkulam
6 Porkkulam SKYMET AWS at Panchayat Office Porkkulam SKYMET AWS at Krishi Bhavan Mundathicode
7 Thanniyam SKYMET AWS at Krishi Bhavan Thanniyam SKYMET AWS at Krishi Bhavan Koorkkanchhery
SKYMET AWS at Karshakasamithi Office near State seed
8 Varantharappilly SKYMET AWS at ADA Office Chalakkudy
store, Nanthipalam, Varantharappilly
9 Vellangallur SKYMET AWS at ADA Office Vellangalloor SKYMET AWS at ADA Office Chalakkudy
10 Vankidangu SKYMET AWS at Krishi Bhavan Vankidangu SKYMET AWS at Krishi Bhavan Koorkkanchhery
7 DISTRICT : PALAKKAD
Sl.
No.
1 Alathur NCMSL AWS State Seed Farm ,Alathur NCMSL AWS at ADA Office, Nemmara
2 Eruthiampathy NCMSL AWS at ISDF Eruthiampathy SKYMET AWS at Krishi Bhavan Vadavannur,Kollengode
3 Nalleppally NCMSL AWS at Krishi Bhavan,Nalleppally SKYMET AWS at Krishi Bhavan Vadavannur,Kollengode
4 Vadavannur SKYMET AWS at Krishi Bhavan Vadavannur,Kollengode NCMSL AWS at ISDF Eruthiampathy
5 Mannarkkad SKYMET AWS at Krishi Bhavan Mannarkkad SKYMET AWS at Krishi Bhavan Pattambi
NCMSL AWS at H/O Koyamu. House Name; Kongath. Near to

6 Thachanattukara SKYMET AWS at Krishi Bhavan Mannarkkad
Krishibhavan, Thatchanattukara, Dist: Palakkad-678583
7 Pattambi SKYMET AWS at Krishi Bhavan Pattambi NCMSL AWS at State Seed Farm, Ananganadi
8 Pattithara NCMSL AWS at Gram Panchayat Office,Pattithara SKYMET AWS at Krishi Bhavan Pattambi
9 Ananganadi NCMSL AWS at State Seed Farm, Ananganadi SKYMET AWS at Krishi Bhavan Pattambi
10 Sreekrishnapuram NCMSL AWS at Gram Panchayat Office,Sreekrishnapuram NCMSL AWS at State Seed Farm, Ananganadi
NCMSL AWS at Observatory, State Seed Farm Marutharode
11 Marutharode NCMSL AWS at Gram Panchayat Office,Parli
72
Kunnannoor
NCMSL AWS at Observatory, State Seed Farm Marutharode
12 Parali NCMSL AWS at Gram Panchayat Office,Parli
Kunnannoor
13 Kuthanoor NCMSL AWS at Krishi Bhavan,Kuthannoor NCMSL AWS State Seed Farm ,Alathur
14 Nemmara NCMSL AWS at ADA Office, Nemmara NCMSL AWS State Seed Farm ,Alathur
8 DISTRICT : MALAPPURAM
Sl.
No.
1 Wandoor SKYMET AWS at H/o Ummer P ,Wandoor SKYMET AWS at Al Nazar Studio,Kalikavu
2 Areekkode SKYMET AWS at Alikutty NV House, Areekkode SKYMET AWS at PAO's Office,Malappuram
3 Kalikavu SKYMET AWS at Al Nazar Studio,Kalikavu SKYMET AWS at H/o Ummer P ,Wandoor
4 Malapuram SKYMET AWS at PAO's Office,Malappuram SKYMET AWS at Panchayat Office ,Vengara
5 Vengara SKYMET AWS at Panchayat Office ,Vengara SKYMET AWS at PAO's Office,Malappuram
6 Valanchery SKYMET AWS at Krishi Bhavan,Valancheri SKYMET AWS at PAO's Office,Malappuram
7 Chungathara SKYMET AWS at H/o Samuel,Chungathara SKYMET AWS at H/o Ummer P ,Wandoor
9 DISTRICT : KOZHIKKODE
Sl.
No.
1 Kavilumpara SKYMET AWS at Krishi Bhavan,Kavilumpara SKYMET AWS at Panchayat Office,Nadapuram
2 Puthuppady SKYMET AWS at State Seed Farm, Puthuppady SKYMET AWS at Panchayat Office,Koduvally
3 Balussery SKYMET AWS at H/o Abdulla TP, Balussery SKYMET AWS at State Seed Farm, Puthuppady
4 Nadapuram SKYMET AWS at Panchayat Office,Nadapuram SKYMET AWS at ADA's Office,Perambara
5 Koduvally SKYMET AWS at Panchayat Office,Koduvally SKYMET AWS at State Seed Farm, Puthuppady
6 Bepoor SKYMET AWS at H/o Muhammed Haneefa ,Bepoor SKYMET AWS at Panchayat Office,Koduvally
7 Perambra SKYMET AWS at ADA's Office,Perambara SKYMET AWS at Panchayat Office,Nadapuram
10 DISTRICT:KANNUR
Sl.
No.
1 Keezhalloor SKYMET AWS at Coconut Hybridisation Centre ,Chalode SKYMET AWS t H/o Anil Kumar, Muzhakkunnu
2 Madayi SKYMET AWS at H/o PM Haneef,Madayi SKYMET AWS at State Seed Farm,Kankole
73
3 Kannur Muni SKYMET AWS at PAO's Office,Kannur SKYMET AWS at Coconut Hybridisation Centre ,Chalode
4 Kankole-Alappadamba SKYMET AWS at State Seed Farm,Kankole SKYMET AWS at H/o PM Haneef,Madayi
5 Dharmadom SKYMET AWS at Coconut Nursery,Palayad SKYMET AWS at PAO's Office,Kannur
SKYMET AWS at Susheela MP Cheriya, Kunnothuparamba

6 Kunnothuparamba SKYMET AWS at Coconut Nursery,Palayad
Po, Cherumparamba, Pin: 670693, Kannur, Kerala
7 Muzhakkunnu SKYMET AWS t H/o Anil Kumar, Muzhakkunnu SKYMET AWS at Coconut Hybridisation Centre ,Chalode
SKYMET AWS at District Agri
8 Kurumathoor SKYMET AWS at PAO's Office,Kannur
Farm,Kurumathoor,Thalipparamba
11 DISTRICT : WAYANAD
Sl.
No.
1 Thavinjal NCMSL AWS at Krishi Bhavan,Thavinjal NCMSL AWS at SLO Offfice,Mananthawady
2 Panamaram NCMSL AWS at JLO Office, Panamaram NCMSL AWS at Coffee Board Office, Meenangadi
3 Kalpatta NCMSL AWS at Coffee Board Office ,Kalpetta RGS at TEC ,Kalpetta
4 Pulpally NCMSL AWS at JLO Office, Pulpally RGS at Rose Maria Estate ,Pambra Post Pulpally
5 Mananthawady NCMSL AWS at SLO Offfice,Mananthawady NCMSL AWS at Krishi Bhavan,Thavinjal

6 Thondarnad NCMSL AWS at Krishi Bhavan,Kanjirangad NCMSL AWS at SLO Offfice,Mananthawady
NCMSL AWS at Krishi Bhavan,Thariode,Chenmalode,Vythiri
7 Thariyode NCMSL AWS at SLO Offfice,Mananthawady
Wayanad-673121
8 Meppady NCMSL AWS at Krishi Bhavan,Meppady RGS at RCRS,Chundale
9 Ambalavayal NCMSL AWS at Krishi Bhavan,Ambalavayal RGS at KAU ,Ambalavayal
10 Sulthan Bathery NCMSL AWS at EEC Market ,Ammayippalam RGS at SLO Office, Sulthan Bathery
11 Noolppuzha NCMSL AWS at Krishi Bhavan ,Noolpuzha RGS at SLO Office, Sulthan Bathery
12 Meenangadi NCMSL AWS at Coffee Board Office, Meenangadi NCMSL AWS at EEC Market ,Ammayippalam
13 Vythiri NCMSL AWS at Krihsi Bhavan,Vythiri RGS at RCRS,Chundale
12 DISTRICT : KASARGODE
Sl.
No.
74
3 Kallar SKYMET AWS at Krishi Bhavan,Kallar SKYMET AWS H/o Mary George,Parappa
8 Pallikkara SKYMET AWS at Panchayat Office,Pallikkara SKYMET AWS at State Seed Farm ,Pullur
11 Pullur-Periya SKYMET AWS at State Seed Farm ,Pullur SKYMET AWS at Panchayat Office,Pallikkara
15 Neeleshwaram SKYMET AWS at ADA's Office,Neeleshwar SKYMET AWS at State Seed Farm ,Pullur
20 Kinnannoor-Karinthalam SKYMET AWS H/o Mary George,Parappa SKYMET AWS at Krishi Bhavan,Kallar
24 Mangalpadi SKYMET AWS at Krishi Bhavan, Mangalpadi SKYMET AWS at Krishi Bhavan,Paivelige
27 Kasargode Muni SKYMET AWS at Krishi Bhavan,Kasargode SKYMET AWS at Krishi Bhavan,Bediadka
32 Paivelige SKYMET AWS at Krishi Bhavan,Paivelige SKYMET AWS at Krishi Bhavan, Mangalpadi
35 Badiadka SKYMET AWS at Krishi Bhavan,Bediadka SKYMET AWS at Krishi Bhavan ,Karadhka
40 Karadka SKYMET AWS at Krishi Bhavan ,Karadhka SKYMET AWS at Krishi Bhavan,Bediadka
NB: Banana is notified only in the selected Panchayats /Municipalities as mentioned above. Banana cultivated in rest of Panchayats/Municipalities/Corporations
in these districts are to be insured under MNAIS
Annexure WB-IV
Crop wise Risks Covered ,Risk Period & Cut-Off Date for Coverage
Season : WBCIS Kharif 2015
Insurance period Loanee Farmer Cut Off Dates Non-Loanee Farmer Cut Off Dates
Submission of Submission of
Sl Receipt of
Crops Districts Covered Insurance covers Loans Premium & Premium &
No Premium &
sancationed Proposals by Proposals by
Declarations to
period Growers to Banks/ Banks/Intermediari
From To AIC
Intermediaies es to AIC
Thiruvananthapuram, Kollam, Ernakulam, DEFICIT RAINFALL 07.07.2015 31.10.2015
Paddy (autumn) Plains 1 &
1 Thrissur, Palakkad, Malappuram,Kannur & DRY SPELL 07.07.2015 07.09.2015
Paddy (autumn) Plains 2
Kozhikode HIGH TEMPERATURE 01.08.2015 30.09.2015
DEFICIT RAINFALL 07.07.2015 31.10.2015
2 Paddy (autumn) Plains 3 Kasargod DRY SPELL 07.07.2015 31.10.2015
HIGH TEMPERATURE 01.08.2015 30.09.2015
3 Paddy (autumn) Highrange Idduki & Wayanad DRY SPELL 07.07.2015 15.09.2015
HIGH TEMPERATURE 01.08.2015 30.09.2015
DISEASE CONGENIAL CLIMATE 07.07.2015 30.11.2015
Wayanad, Kannur, Kozhikode, Kasargode,
4 Arecanut DEFICIT RAINFALL 01.03.2016 31.05.2016
Malappuram, Palakkad, & Thrissur
DRY SPELL 15.04.2016 31.05.2016
DRY SPELL 07.07.2015 31.08.2015
Idukki, Wayanad, Kannur, Kozhikode,
5 Pepper Kasargode, Malappuram, Palakkad, Kollam &
75
Kottayam EXCESS / UNSEASONAL RAINFALL 01.03.2016 30.04.2016
WET SPELL 01.03.2016 30.04.2016
6 Ginger Idukki,Wayanad &Palakkad EXCESS RAINFALL 16.09.2015 29.02.2016
WET SPELL 01.12.2015 29.02.2016 April 2015 to
31st Aug 2015 7th July 2015 31st July 2015
DEFICIT RAINFALL 07.07.2015 31.05.2016 July 2015
7 Sugarcane Idukki & Palakkad
EXCESS / UNSEASONAL RAINFALL 01.03.2016 15.05.2016
Idukki, Wayanad, Kozhikode, Malappuram,
8 Turmeric EXCESS RAINFALL 16.09.2015 28.02.2016
Palakkad, Kollam & Ernakulam
WET SPELL 01.12.2015 28.02.2016
9 Cardomom Idukki, Wayanad and Palakkad DRY SPELL 15.04.2016 31.05.2016
PEST CONGENIAL CLIMATE 15.04.2016 31.05.2016
EXCESS RAINFALL 16.09.2015 30.11.2015
10 Pineapple Idukki, Kottayam &Ernakulam
DRY SPELL 15.03.2016 31.05.2016
Idukki, Wayanad, Kannur, Kozhikode, EXCESS RAINFALL 15.09.2015 31.03.2016
11 Banana Malappuram, Palakkad, Kollam, Kottayam , WIND SPEED 01.10.2015 31.12.2015
Thiruvananthapuram, Thrissur, kasargod &
Ernakulam WIND SPEED 01.01.2016 31.03.2016
EXCESS RAINFALL 07.07.2015 31.05.2016
DRY SPELL 07.07.2015 31.08.2015
12 Nutmeg Ernakulam,Thrissur
WIND SPEED 07.07.2015 31.08.2015
WIND SPEED 01.04.2016 31.05.2016
Agriculture Insurance Company of India Ltd Annexure WB-V ( 1 )
WEATHER BASED CROP INSURANCE SCHEME (Kharif 2015)
TERM SHEET
State: Kerala District: Thiruvananthapuram,Kollam, Ernakulam, Thrissur, Malappuram, Kozhikode
Crop: PADDY (autumn) Plains 1 Reference Unit Area & Reference Weather Station: As per Notification Unit: HECTARE
Back Up Weather Station: As per Notification
1. PERIOD 7/Jul/15 to 31/Oct/15

Phase-I Phase-II Phase-III Phase-IV
7-Jul 28-Jul 22-Aug 6-Oct
Phase to to to to
27-Jul 21-Aug 5-Oct 31-Oct
DEFICIT RAINFALL INDEX Aggregate of rainfall over respective Phases
STRIKE (mm) < 300 250 250 200
EXIT 50 50 50 50
PAYOUT RATE (Rs./mm) 20 20 20 13
MAXIMUM PAYOUT (Rs.) 5000 4000 4000 2000
TOTAL MAXIMUM PAYOUT (Rs.) 15000
2. PERIOD 7/Jul/15 to 7/Sep/15

INDEX Number of days in a spell of consecutive dry days
DRY SPELL
76
STRIKE (cons. day) >= 13 15 18 20
PAYOUT (Rs.) 2000 3500 5000 8000
MAXIMUM PAYOUT (Rs.) 8000
Note : A day is defined as a dry day if the rainfall of the day is < 2.5 mm
3 PERIOD 1/Aug/15 to 30/Sep/15

1-Aug 16-Aug 1-Sep 16-Sep
Phase to to to to
HIGH TEMPERATURE INDEX Cumulative daily upward deviation of T Max from respective triggers
TRIGGER (°C) 32.5 33 33.5 34
STRIKE (° C) > 4
EXIT 40
PAYOUT RATE (Rs./mm) 333.33
SUM INSURED (Rs.) 35000

PREMIUM (Rs.) 3255
PREMIUM % 9.30%
Note: Franchise of Rs.200 shall be applicable ie Total Claims of less than Rs.200 per Farmer shall not be paid.
Agriculture Insurance Company of India Ltd Annexure WB-V (2)
TERM SHEET
State: Kerala District: Palakkad, Kannur

Phase to to to to
STRIKE (mm) < 300 250 250 200
EXIT 50 50 50 50

DRY SPELL
77
STRIKE (cons. day) >= 13 15 18 20
PAYOUT (Rs.) 2000 3500 5000 8000

Phase to to to to
TRIGGER (°C) 32.5 33 33.5 34
STRIKE (° C) > 4
EXIT 40

PREMIUM (Rs.) 3115
PREMIUM % 8.90%
Agriculture Insurance Company of India Ltd Annexure WB-V (3 )
TERM SHEET
State: Kerala District: Kasargode

Phase to to to to
STRIKE (mm) < 300 250 250 200
EXIT 50 50 50 50

DRY SPELL
78
STRIKE (cons. day) >= 13 15 18 20
PAYOUT (Rs.) 2000 3500 5000 8000

Phase to to to to
TRIGGER (°C) 32.5 33 33.5 34
STRIKE (° C) > 4
EXIT 40

PREMIUM (Rs.) 3115
PREMIUM % 8.90%
TERM SHEET
State: Kerala District: Idduki, Wayanad
Crop: PADDY (autumn) Highrange Reference Unit Area & Reference Weather Station: As per Notification Unit: HECTARE
1. PERIOD 7/Jul/15 to 30/Nov/15

Phase-I Phase-II Phase-III Phase-IV Phase-V
7-Jul 1-Aug 22-Aug 1-Oct 21-Oct
Phase to to to to to
31-Jul 21-Aug 30-Sep 20-Oct 30-Nov
STRIKE (mm) < 400 350 250 175 125
EXIT 100 100 50 50 25
PAYOUT RATE (Rs./mm) 13.33 14 15 20 20
MAXIMUM PAYOUT (Rs.) 4000 3500 3000 2500 2000

DRY SPELL STRIKE (cons. day) >= 13 15 18 20
79
PAYOUT (Rs.) 2000 3500 5000 8000

Phase to to to to
TRIGGER (°C) 32.5 33 33.5 34
STRIKE (° C) > 4
EXIT 40
PAYOUT RATE (Rs./Degree) 333.33

PREMIUM (Rs.) 3115
PREMIUM % 8.90%
TERM SHEET
State: Kerala District: Wayanad,Kasargode,Malappuram,Palakkad & Thrissur .
Crop: Arecanut 1 Reference Unit Area & Reference Weather Station: As per Notification Unit: HECTARE
1. PERIOD 1/Mar/16 31/May/16

Phase-I Phase-II
1-Mar 16-Apr 0-Jan
Phase to to
15-Apr 31-May
STRIKE (mm) < 15 110
EXIT 0 25
PAYOUT RATE (Rs./mm) 133.33 94.12
MAXIMUM PAYOUT (Rs.) 2000 8000
80
2. PERIOD 15/Apr/16 to 31/May/16
PAYOUT (Rs.) 1000 2500 5000 10000

INDEX Number of consecutive days having daily maximum RH > 90 % , daily rainfall > 50 mm
DISEASE CONGENIAL CLIMATE STRIKE (cons. day) >= 2 4 6
PAYOUT (Rs.) 2500 10000 25000

PREMIUM (Rs.) 4185
PREMIUM % 9.30%
TERM SHEET
State: Kerala District: Kannur,Kozhikode
Crop: Arecanut 2 Reference Unit Area & Reference Weather Station: As per Notification Unit: HECTARE
1. PERIOD 1/Mar/16 31/May/16

Phase-I Phase-II
1-Mar 16-Apr
Phase to to
15-Apr 31-May
STRIKE (mm) < 15 110
EXIT 0 25
PAYOUT RATE (Rs./mm) 133.33 94.12
81
PAYOUT (Rs.) 1000 2500 5000 10000

PAYOUT (Rs.) 2500 10000 25000

PREMIUM (Rs.) 4005
PREMIUM % 8.90%
TERM SHEET
State: Kerala District: Idukki,Wayanad,Kozhikode,Kasargode,Malappuram,Palakkad,Kollam & Kottayam.
Crop: Pepper Reference Unit Area & Reference Weather Station: As per Notification Unit: HECTARE
1. PERIOD 7/Jul/15 to 31/Aug/15

PAYOUT (Rs.) 1500 3750 7500 15000
2. PERIOD 1/Jan/16 to 30/Apr/16

1-Jan 1-Feb 1-Mar 1-Apr
Phase to to to to
EXCESS /UNSEASONAL
INDEX Aggregate of rainfall over respective Phases
RAINFALL
STRIKE (mm) > 100 100 100 125
EXIT 150 150 200 250
82
3. PERIOD 1/Mar/16 to 30/Apr/16

INDEX Number of days in a spell of consecutive wet days
WET SPELL STRIKE (cons. day) >= 3 4 5
PAYOUT (Rs.) 2000 5000 10000
Note : A day is defined as a wet day if the rainfall of the day is > 5 mm

Number of consecutive days having daily Maximum RH > 90 % , daily rainfall > 30 mm and daily Mean
INDEX
Temperature < 24 °C
DISEASE CONGENIAL CLIMATE
STRIKE (cons. day) >= 4 5 6
PAYOUT (Rs.) 2000 5000 10000

PREMIUM (Rs.) 4185
PREMIUM % 9.30%
TERM SHEET
State: Kerala District: Kannur
Crop: Pepper Reference Unit Area & Reference Weather Station: As per Notification Unit: HECTARE

PAYOUT (Rs.) 1500 3750 7500 15000
2. PERIOD 1/Jan/16 to 30/Apr/16

Phase to to to to
EXCESS /UNSEASONAL
RAINFALL
STRIKE (mm) > 100 100 100 125
EXIT 150 150 200 250
83
3. PERIOD 1/Mar/16 to 30/Apr/16

WET SPELL STRIKE (cons. day) >= 3 4 5
PAYOUT (Rs.) 2000 5000 10000

INDEX
STRIKE (cons. day) >= 4 5 6
PAYOUT (Rs.) 2000 5000 10000

PREMIUM (Rs.) 4005
PREMIUM % 8.90%
TERM SHEET
State: Kerala District: Idukki,Wayanad,Palakkad
Crop: Ginger Reference Unit Area & Reference Weather Station: As per Notification Unit: HECTARE

7-Jul 1-Aug 1-Sep 11-Oct
Phases to to to to
31-Jul 31-Aug 10-Oct 30-Nov
DEFICIT RAINFALL
STRIKE (mm) < 200 275 225 200
EXIT 50 75 50 50
PAYOUT RATE (Rs./mm) 66.67 50.00 57.14 66.67
2. PERIOD 16/Sep/15 to 28/Feb/16

Phase-I Phase-II
16-Sep 1-Dec
84
Phase to to
30-Nov 28-Feb
EXCESS RAINFALL INDEX Highest of consecutive days with daily RF >25mm in respective phases
STRIKE (cons. day) >= 3 3
EXIT 6 3
RATE (Rs./day) 9375 50000
PAYOUT (Rs.) 37500 50000
3. PERIOD 1/Dec/15 to 28/Feb/16

WET SPELL STRIKE (cons. day) >= 2 3 4 5
PAYOUT (Rs.) 5000 15000 30000 40000

PREMIUM (Rs.) 9300
PREMIUM % 9.30%
TERM SHEET
State: Kerala District: Idukki & Palakkad
Crop: Sugarcane Reference Unit Area & Reference Weather Station: As per Notification Unit: HECTARE
1. PERIOD 7/Jul/15 to 31/May/16

Phase-I Phase-II Phase-III Phase-IV Phase-V Phase-VI
7-Jul 1-Aug 1-Sep 6-Oct 26-Oct 1-Mar
Phase to to to to to to
31-Jul 31-Aug 5-Oct 25-Oct 28-Feb 31-May
STRIKE (mm) < 250 225 150 120 200 200
EXIT 50 50 50 40 40 40
PAYOUT RATE (Rs./mm) 20 20 35 37.5 18.75 18.75
MAXIMUM PAYOUT (Rs.) 4000 3500 3500 3000 3000 3000
85
2. PERIOD 1/Mar/16 to 15/May/16

1-Mar
Phase to
15-May
EXCESS /UNSEASONAL INDEX Aggregate of rainfall over respective Phases
RAINFALL STRIKE (mm) > 350
EXIT 550
PAYOUT RATE (Rs./mm) 50

PREMIUM (Rs.) 2670
PREMIUM % 8.90%
TERM SHEET
State: Kerala District: Idukki,Wayanad,Kozhikode,,Malappuram,Palakkad,Kollam & Ernakulam
Crop: Turmeric Reference Unit Area & Reference Weather Station: As per Notification Unit: HECTARE

7-Jul 1-Aug 1-Sep 11-Oct
Phases to to to to
31-Jul 31-Aug 10-Oct 30-Nov
DEFICIT RAINFALL
STRIKE (mm) < 200 275 225 200
EXIT 50 75 50 50
PAYOUT RATE (Rs./mm) 66.67 50.00 57.14 66.67
2. PERIOD 16/Sep/15 to 28/Feb/16

Phase-I Phase-II
16-Sep 1-Dec
86
Phase to to
30-Nov 28-Feb
EXCESS RAINFALL INDEX Highest of consecutive days with daily RF >30mm in respective phases
EXIT 6 3
RATE (Rs./day) 3750 30000
PAYOUT (Rs.) 15000 30000
3. PERIOD 1/Dec/15 to 28/Feb/16

WET SPELL STRIKE (cons. day) >= 2 3 4 5
PAYOUT (Rs.) 2000 6000 12000 20000

PREMIUM (Rs.) 5580
PREMIUM % 9.30%
TERM SHEET
State: Kerala District: Idukki, Wayanad and Palakkad
Crop: CARADAMOM Reference Unit Area & Reference Weather Station: As per Notification Unit: HECTARE

PAYOUT (Rs.) 8000 12000 15000 20000
Note : A day is defined as a dry day if the rainfall of the day is < 5 mm
87
INDEX Consecutive Days with Rainfall < 2.5 mm and Daily Maximum Temperature > 32 °C
PEST CONGENIAL CLIMATE STRIKE (cons. day) >= 15 20 25
PAYOUT (Rs.) 1000 3000 7000
Note : A day is defined as a wet day if the rainfall of the day is > 2.5 mm

PAYOUT (Rs.) 2000 4000 13000

PREMIUM (Rs.) 3720
PREMIUM % 9.30%
TERM SHEET
State: Kerala District: Idukki, Kottayam &Ernakulam
Crop: Pineapple Reference Unit Area & Reference Weather Station: As per Notification Unit: HECTARE
1. PERIOD 15/Mar/16 to 31/May/16

PAYOUT (Rs.) 4000 6000 12000 15000
88
2. PERIOD 16/Sep/15 to 30/Nov/15
Phase-III
INDEX Highest of consecutive days with daily RF > 25 mm in respective phases
STRIKE (cons. day) >= 4
EXCESS RAINFALL
EXIT 6
RATE (Rs./day) 5000
PAYOUT (Rs.) 15000

PREMIUM (Rs.) 2670
PREMIUM % 8.90%
TERM SHEET
State: Kerala District: Idukki,Wayanad,Kannur,Kozhikode, Malappuram,Palakkad,Kollam, Kottayam, Thiruvananthapuram,Thrissur ,Ernakulam & Kasargode
Crop: BANANA Reference Unit Area & Reference Weather Station: As per Notification Unit: HECTARE
1 PERIOD 15/Sep/15 31/Mar/16

Phase-I Phase-II
15-Sep 1-Jan
Phase to to
EXCESS RAINFALL 31-Dec 31-Mar
INDEX Highest of Cons Days with Daily RF> 30mm in respective phases
PAYOUT (Rs.) 15000 25000
Note: Maximum of payout of Phase-I, Phase-II and Phase III under excess rainfall cover will be payable.
89
2.A PERIOD 1/Oct/15 to 31/Dec/15
INDEX High wind speed
WIND SPEED STRIKE (Km/Hr) >= 45 55 60
PAYOUT (Rs.) 7500 15000 25000
2.B PERIOD 1/Jan/16 to 31/Mar/16

WIND SPEED STRIKE (Km/Hr) >= 40 50 55
PAYOUT (Rs.) 15000 30000 50000

PREMIUM (Rs.) 9300
PREMIUM % 9.30%
TERM SHEET
State: Kerala District: Ernakulam,Thrissur
Crop: Nutmeg Reference Unit Area & Reference Weather Station: As per Notification Unit: HECTARE

PAYOUT (Rs.) 1000 2500 5000 10000
2. PERIOD 7/Jul/15 to 31/May/16

7-Jul 1-Sep 1-Jan 1-Apr
Phase to to to to
31-Aug 31-Dec 31-Mar 31-May
EXCESS RAINFALL INDEX Longest spell of consecutive days with daily rainfall > 30 mm in respective phases
STRIKE (cons. day) >= 6 4 2 4
EXIT 15 7 5 8
PAYOUT RATE (Rs./cons. day) 1000 1250 1250 2000
PAYOUT (Rs.) 10000 5000 5000 10000
90
3. PERIOD 7/Jul/15 to 30/Aug/15 1/Oct/15 to 31/Dec/15
INDEX
STRIKE (cons. day) >= 3 4 5 2 3 4
PAYOUT (Rs.) 1000 2000 5000 1000 2000 5000
4.A. PERIOD 7/Jul/15 to 31/Aug/15

WIND SPEED STRIKE (km/h) >= 45 55 60
PAYOUT (Rs.) 2500 5000 10000
4.B. PERIOD 1/Apr/16 to 31/May/16

WIND SPEED STRIKE (km/h) >= 40 50 55
PAYOUT (Rs.) 2500 5000 10000

PREMIUM (Rs.) 4650
PREMIUM % 9.30%
Annexure WB VI
Season : WBCIS Kharif 2015
Crop-Wise District wise Sum Insured, Total Premium, Govt. Subsidy & Farmers Net Premium
Premium
GOI share GOK Farmer's
rate in % Total
Sum Total of share of share of
of Sum Unit Premium
Sl No Crop Districts Covered Insured Premium Premium Premium net
Insured or (Acre/Ha) Subsidy
(Rs) (Rs) Subsidy Subsidy premium
Loan (Rs.)
(Rs) (Rs) (Rs)
amount
Paddy (autumn) Thiruvananthapuram, Kollam, Eranakulam, Thrissur, Malappuram & per Hectre 35000 3255 788 1593 2380 875
1 9.30
Plains 1 Kozhikode per Acre 14000 1302 287 665 952 350
Paddy (autumn) per Hectre 35000 3115 718 1523 2240 875
2 Palakkad & Kannur 8.90
Plains 2 per Acre 14000 1246 287 609 896 350
3 Kasargod 8.90
Plains 3 per Acre 14000 1246 287 609 896 350
4 Idukki & Wayanad 8.90
Highrange per Acre 14000 1246 287 609 896 350
per Hectre 45000 4185 1013 1013 2025 2160
5 Arecanut 1 Kasargod, Malappuram, Thrissur, Wayanad & Palakkad 9.30
91
per Acre 18000 1674 405 405 810 864
per Hectre 45000 4005 923 923 1845 2160
6 Arecanut 2 Kannur & Kozhikode 8.90
per Acre 18000 1602 369 369 738 864
Idukki, Wayanad, Palakkad, Kasargod, Kozhikode,Malappuram,Kollam,& per Hectre 45000 4185 1013 1013 2025 2160
7 Pepper 9.30
Kottayam per Acre 18000 1674 405 405 810 864
per Hectre 45000 4005 923 923 1845 2160
8 Pepper Kannur 8.90
per Acre 18000 1602 369 369 738 864
per Hectre 100000 9300 2250 2250 4500 4800
9 Ginger Idukki, Wayanad & Palakkad 9.30
per Acre 40000 3720 900 900 1800 1920
per Hectre 30000 2670 615 615 1230 1440
10 Sugarcane Idukki & Palakkad 8.90
per Acre 12000 1068 246 246 492 576
per Hectre 60000 5580 1350 1350 2700 2880
11 Turmeric Kozhikode, Malappuram, Kollam, Eranakulam, Idukki, Wayanad & Palakkad 9.30
per Acre 24000 2232 540 540 1080 1152
per Hectre 40000 3720 900 900 1800 1920
12 Cardomom Idukki, Wayanad & Palakkad 9.30
per Acre 16000 1488 360 360 720 768
per Hectre 30000 2670 615 615 1230 1440
13 Pineapple Idukki, Kottayam & Eranakulam 8.90
per Acre 12000 1068 246 246 492 576
Thiruvananthapuram, Kollam, Kottayam, Idukki, Eranakulam, Thrissur, per Hectre 100000 9300 2250 2250 4500 4800
14 Banana 9.30
Palakkad, Malappuram, Kozhikode Kannur, Wayanad & Kasargod per Acre 40000 3720 900 900 1800 1920
per Hectre 50000 4650 1125 1125 2250 2400
15 Nutmeg Thrissur & Eranakulam 9.30
per Acre 20000 1860 450 450 900 960
For Paddy Crop the Farmer’s Premium is retained at 2.5% of sum insured ( of erstwhile NAIS Flat Rate) by providing additional State Share of Subsidy as decided by SLCCCI

Annexure -WB-VII
Weather Based Crop Insurance Scheme (WBCIS)
Declaration Form Loanee ( L)
FROM: TO:
(Address of Nodal Bank with Contact Phone Number) Agriculture Insurance Company of India Limited,
Regional Office(Kerala),
8th floor, Carmel Towers,Cotton Hill PO,
Vazhuthacaud, Thiruvananthapuram-695 014.
Phone : 0471–2334493,2334989 Fax : 0471-2334989
1. Under the provisions of the Weather Based Crop Insurance Scheme (WBCIS), we hereby declare the
aggregate Sum Insured with respect to the Non Loanee Cultivators under the jurisdiction of our Nodal Bank who
submitted the insurance proposals for the Season Kharif 2015 Season within the cut-off date, as per the schedule
below.
2. It is certified on behalf of this office and the bank branches/PACS under our jurisdiction, that
i) All the eligible Insurance Proposals submitted for coverage by the Non Loanee Cultivators under Weather
Based Crop Insurance Scheme (WBCIS) are included in the Declaration, and
ii) All guidelines with regard to coverage under Weather Based Crop Insurance Scheme (WBCIS) issued by
the Government of India / State Government / Agriculture Insurance Company of India Ltd.( AIC) which
are in force have been followed.
Dated at __________________________this _____________day of _____________________
Name of the Nodal Bank’s

Authorized Signatory :
Designation : Signature and Seal
of Authorized Nodal Bank Official
SCHEDULE
Declaration No. allotted by Bank: Gender : Male / Female Category : SC / ST / OTHERS
State: _______________ Season: Kharif 2015 Year: 2015 Crop:________________
District:_______________ Reference Unit Area: _______________ Reference Weather Station: ________________

(As per Notification Only) (As per Notification Only)
Sum Insured for insured Crop per Hactre: --------------( As per Notification ) Net Premium Rate: -----------------(2.5% for Paddy & 4.8% for
(Pls Take 1 ha as 2.5 Acres) other Crops)
Net Premium
Category of Cultivators No. of Cultivators Declared Sown Sum Insured (Rs.)
Area (Ha) ( Rs.) ( 2 .5 %OR Premium Remitted
(S.I per Ha X 4.8% X Sum (Rs.)
Area in Ha) Insured)
Small / Marginal Farmers
Other Farmers
TOTAL
DD / Cheque No:__________________ DD / Cheque Date: ______________ DD / Cheque Amount:________________

------------------------TO BE COMPLETED BY AGRICULTURE INSURANCE COMPANY OF INDIA LTD. (AIC) ------------------------
CERTIFICATE NUMBER
RECEIPT NO. DATE RECEIVED
NOTE: 1) All code boxes shall be filled up by AIC;

2) Guidelines for filling up Declarations are given overleaf
92
Guidelines for Filling up Weather Based Crop Insurance Scheme - Declaration Form (Non Loanee)
1. This Declaration format should be used ONLY with respect to Non Loanee cultivators who submitted
Insurance Proposals with requisite details and premium amount within the cut-off date. Separate
Declarations must be filled in for each crop and each reference area.
2. Only One copy of the Declaration need be submitted to AIC. Banks should retain an office copy for
their record and future reference. The Declaration should be accompanied by a consolidated statement
with the details of all Non-Loanee cultivators insured under the Declaration. The details include name
of cultivator, village, survey number, acreage insured, sum insured, premium paid, Bank A/c
particulars, etc.
3. Complete address of Nodal Bank along with the contact telephone number must be given to facilitate
further communication, if required.
4. All Code particulars (boxes) shall be filled up by AIC.
5. Care should be taken to declare the Total Sum Insured for a Cultivator strictly based on acreage
proposed in the Insurance Proposal Form for a particular crop as per the pre-declared sum insured per
Acre. There should be strict compliance with all stipulations/guidelines of the Weather Based Crop
Insurance Scheme (WBCIS).
6. In a particular season the Nodal Bank has to submit only one Declaration for a particular Crop and
Reference Unit Area to AIC with requisite Premium within 31st August from the cut-off date for
availing the insurance under Weather Based Crop Insurance Scheme (WBCIS).
7. There should be no duplication in insurance coverage of any cultivator vis-à-vis National Agricultural
Insurance Scheme (MNAIS) or Weather based Crop Insurance schemes of other insurance companies,
either by the same bank with other banks /financial institutions for the mentioned crop and insured
plot.
8. Whenever any clarification in respect of any discrepancy in the Declarations submitted by Bank is
sought for by the AIC, the same must be clarified within one week of AIC’s letter. No clarification will
be entertained by AIC thereafter. The claims liability, if any on such delayed clarification will rests
with the concerned Bank.
9. Specific guidelines for filling in the Schedule :
(i) Care should be taken to specify the Correct SEASON, CROP & REFERENCE UNIT AREA in
each Declaration. Increase in sum insured (or increase in the payout amount) following any
Changes / Corrections will not be entertained by AIC after the stipulated period.
(ii) Care should also be taken to declare correct AREA and SUM INSURED. Increase in Sum Insured /
Payout following any Changes / Corrections will not be entertained by AIC after the stipulated
period.
(iii) Sum insured to be covered under Weather Based Crop Insurance Scheme (WBCIS) must be
declared separately for “Small/Marginal Cultivators” and “Other Cultivators”. The categorization
of Small/Marginal Cultivators should be done by considering total farmland ownership up to 2
Hectares (~5 Acres).
(iv) Total Sum Insured should be arrived at for each cultivator by multiplying Area proposed for
insurance (Hactres) in the proposal form with the pre-declared ‘Sum Insured per acre’
applicable for the crop, and as per the Guidelines of the WBCIS.
(v) The bank branches/PACS shall process and verify the details of crops grown and acreage operated,
if and wherever required.
For any further clarifications please feel free to contact us at Agriculture Insurance Company of India,
Regional Office(Kerala), 8th floor, Carmel Towers,Cotton Hill PO, Vazhuthacaud,
Thiruvananthapuram-695 014. Phone: 04712334493, 2334989 Fax : 0471-2334989
93
Listing Sheet Format Annexure- WB-VIII
National Crop Insurance Programme (NCIP) - Weather Based Crop Insurance Scheme (WBCIS)
Register/Statement Showing Details of Crop Insurance under WBCIS
Crop: Month of Loaning : Season : Kharif 2015
Name of the PACS/Lending Branch : Reference Unit Area(As per Notification) :

Reference Weather Staton(As per Notification) :
Pre Defined
Panchayat/ Crop Area
Small & Sum Insured/ Farmers
Sl Muncipality in Ha as Survey / Land Total Sum Total Premium
Name of Farmer Male / Female SC ST / Others Marginal / A/c Number Hactre(As per Premium @ 2.5% for Paddy
No where Crop is per Loan Identification no. Insured(Rs) Remitted(Rs)
others Notification) & 4.8% for Other Crops (Rs)
cultivated Application
Col.1 Col.2 Col.3 Col.4 Col.5 Col.6 Col.7 Col.8 Col.9 Col.10 Col.11=Col.8xCol.9 Col.12=Col.11x Premium Rate
94
TOTAL
NB :
1. Applicable Farmer's Premium for all crops EXCEPT PADDY is 4.8 % of Total Sum Insured .For Paddy it is 2.5%
2. Listing Sheet should be prepared Crop-wise & Reference Unit Area-wise Branch Manager/Secretary
This Listing Sheet pertains to our Declaration No _________ which covers a total of _____ no of farmers in it.
Seal & Signature of Nodal Bank Official
Annexure -WB-IX
Weather Based Crop Insurance Scheme (WBCIS)
Declaration Form Non Loanee ( NL)
FROM: TO:
(Address of Nodal Bank with Contact Phone Number) Agriculture Insurance Company of India Limited,
Regional Office(Kerala),
th
8 floor, Carmel Towers, Cotton Hill PO,
Vazhuthacaud, Thiruvananthapuram-695 014.
Phone : 0471–2334493,2334989 Fax : 0471-2334989
1. Under the provisions of the Weather Based Crop Insurance Scheme (WBCIS), we hereby declare the
aggregate Sum Insured with respect to the Non Loanee Cultivators under the jurisdiction of our Nodal Bank who
submitted the insurance proposals for the Season Kharif 2015 Season within the cut-off date, as per the schedule
below.
2. It is certified on behalf of this office and the bank branches/PACS under our jurisdiction, that
i) All the eligible Insurance Proposals submitted for coverage by the Non Loanee Cultivators under Weather
Based Crop Insurance Scheme (WBCIS) are included in the Declaration, and
ii) All guidelines with regard to coverage under Weather Based Crop Insurance Scheme (WBCIS) issued by
the Government of India / State Government / Agriculture Insurance Company of India Ltd.( AIC) which
are in force have been followed.
Dated at __________________________this _____________day of _____________________
Name of the Nodal Bank’s

Authorized Signatory :
Designation : Signature and Seal
of Authorized Nodal Bank Official
SCHEDULE
Declaration No. allotted by Bank: Gender : Male / Female Category : SC / ST / OTHERS
State: _______________ Season: Kharif 2015 Year: 2015 Crop:________________
District:_______________ Reference Unit Area: _______________ Reference Weather Station: ________________

(As per Notification Only) (As per Notification Only)
Sum Insured for insured Crop per Hactre: -------------- (As per Notification) Net Premium Rate: ----------------- (2.5% for Paddy & 4.86% for
(Pls Take 1 ha as 2.5 Acres) other Crops)
Net Premium
Category of Cultivators No. of Cultivators Declared Sown Sum Insured (Rs.)
Area (Ha) ( Rs.) ( 2 .5 %OR Premium Remitted
(S.I per Ha X 4.8% X Sum (Rs.)
Area in Ha) Insured)
Small / Marginal Farmers
Other Farmers
TOTAL
DD / Cheque No:__________________ DD / Cheque Date: ______________ DD / Cheque Amount:________________

------------------------TO BE COMPLETED BY AGRICULTURE INSURANCE COMPANY OF INDIA LTD. (AIC) ------------------------
CERTIFICATE NUMBER
RECEIPT NO. DATE RECEIVED
NOTE: 1) All code boxes shall be filled up by AIC;

2) Guidelines for filling up Declarations are given overleaf
95
Guidelines for Filling up Weather Based Crop Insurance Scheme - Declaration Form (Non Loanee)
1. This Declaration format should be used ONLY with respect to Non Loanee cultivators who submitted
Insurance Proposals with requisite details and premium amount within the cut-off date. Separate
Declarations must be filled in for each crop and each reference area.
2. Only One copy of the Declaration need be submitted to AIC. Banks should retain an office copy for
their record and future reference. The Declaration should be accompanied by a consolidated statement
with the details of all Non-Loanee cultivators insured under the Declaration. The details include name
of cultivator, village, survey number, acreage insured, sum insured, premium paid, Bank A/c
particulars, etc.
3. Complete address of Nodal Bank along with the contact telephone number must be given to facilitate
further communication, if required.
4. All Code particulars (boxes) shall be filled up by AIC.
5. Care should be taken to declare the Total Sum Insured for a Cultivator strictly based on acreage
proposed in the Insurance Proposal Form for a particular crop as per the pre-declared sum insured per
Acre. There should be strict compliance with all stipulations/guidelines of the Weather Based Crop
Insurance Scheme (WBCIS).
6. In a particular season the Nodal Bank has to submit only one Declaration for a particular Crop and
Reference Unit Area to AIC with requisite Premium within 31st July from the cut-off date for
availing the insurance under Weather Based Crop Insurance Scheme (WBCIS).
7. There should be no duplication in insurance coverage of any cultivator vis-à-vis Modified National
Agricultural Insurance Scheme (MNAIS) or Weather based Crop Insurance schemes of other insurance
companies, either by the same bank with other banks /financial institutions for the mentioned crop and
insured plot.
8. Whenever any clarification in respect of any discrepancy in the Declarations submitted by Bank is
sought for by the AIC, the same must be clarified within one week of AIC’s letter. No clarification will
be entertained by AIC thereafter. The claims liability, if any on such delayed clarification will rests
with the concerned Bank.
9. Specific guidelines for filling in the Schedule :
(i) Care should be taken to specify the Correct SEASON, CROP & REFERENCE UNIT AREA in
each Declaration. Increase in sum insured (or increase in the payout amount) following any
Changes / Corrections will not be entertained by AIC after the stipulated period.
(ii) Care should also be taken to declare correct AREA and SUM INSURED. Increase in Sum Insured /
Payout following any Changes / Corrections will not be entertained by AIC after the stipulated
period.
(iii) Sum insured to be covered under Weather Based Crop Insurance Scheme (WBCIS) must be
declared separately for “Small/Marginal Cultivators” and “Other Cultivators”. The categorization
of Small/Marginal Cultivators should be done by considering total farmland ownership up to 2
Hectares (~5 Acres).
(iv) Total Sum Insured should be arrived at for each cultivator by multiplying Area proposed for
insurance (Hactres) in the proposal form with the pre-declared ‘Sum Insured per acre’
applicable for the crop, and as per the Guidelines of the WBCIS.
(v) The bank branches/PACS shall process and verify the details of crops grown and acreage operated,
if and wherever required.
For any further clarifications please feel free to contact us at Agriculture Insurance Company of India,
Regional Office(Kerala), 8th floor, Carmel Towers,Cotton Hill PO, Vazhuthacaud,
Thiruvananthapuram-695 014. Phone: 04712334493, 2334989 Fax : 0471-2334989
96
Annexure WB-X
A{KnIƒ®¿ C≥jpd≥kv Iº\n Hm^v C¥y en.
8˛mw \ne, Im¿a¬ Sthgvkv, tIm´¨ln¬ kvIqfns‚ FXn¿hiw, hgpX°mSv, Xncph\¥]pcw˛ 695014
Imemhÿm[njvTnX hnf C≥jpd≥kv ]≤Xn (WBCIS)
hmbv] FSp°mØ I¿jI¿°p≈ C≥jpd≥kv s{]mt∏mk¬ t^mdw
kok¨ & h¿jw : ..................................................... 20 ... ..
1. I¿jI hnhcßƒ
F. Xm¶ƒ AIC˛bpsS Hcp cPnkvt‰¿Uv I¿jI\mtWm BWv / A√
(cPnkvt‰¿Uv I¿jI≥ BsW¶n¬ I¿jI cPnkvt{Sj≥{]Imcw \¬Inbn´p≈ sF.Un.\º¿ IqSn ]qcn∏n°pI. cPnkv‰¿ sNbvXnń√ F¶n¬, I¿jI cPnkvt{Sj≥ t^mdw (adp]pdw)IqSn ]qcn∏n°pI)
_n. I¿jIs‚ t]cv: {io/ {ioaXn kn. ID No.
2. hn⁄m]nX hnf / {]tZiw kw_‘n® hnhcßƒ

hnfbpsS t]cv ...................................................................................(Hmtcm hnfbv°pw shtΔsd s{]mt∏mk¬ t^mdw ka¿∏n°Ww)
C≥jp¿ sNøp∂ IrjnÿeØns‚ hnhcßƒ (Hmtcm hn⁄m]nX {]tZiØn\pw shtΔsd s{]mt∏mk¬ t^mdw ka¿∏n°Ww)
kwÿm\w Pn√ Xmeq°v tªm°v ]©mbØv/ap\n./tIm¿]tdj≥*
*C≥jp¿ sNøp∂ Irjnÿew Dƒs∏Sp∂ ]©mbØv / ap\n./ tIm¿∏tdj≥, ]≤Xnbn≥Iogn¬ Kh¨sa‚v hn⁄m]nX {]tZiamsW∂v Dd∏v hcpØpI.
3. C≥jp¿ sNøm≥ Dt±in°p∂ IrjnbnSw kw_‘amb hnhcßƒ
]©mbØv/ap\n./tIm¿]tdj≥ k¿tΔ \w DSaÿmhImiw \So¬ XobXn C≥jp¿ sNøp∂ IrjnbnSØns‚
kz¥w/]m´w hnkvXo¿Æw (slIvSdn¬)
4. hn⁄m]nX{]tZiw (Reference Unit Area- RUA) & kqN\mImemhÿm\nebw (Reference Weather station-RWS)
hn⁄m]nX {]tZiw ........................................................................................................................(]©mbØv/ap\n./tIm¿∏tdj≥)
hn⁄m]\{]Imcap≈ kqN\m ImemhÿtI{μw (RWS) ...............................................................................................
hn⁄m]\{]Imcap≈ _m°vA∏v ImemhÿmtI{μw (BWS) ........................................................................................
{]kvXmh\:
Imemhÿm[njvTnX hnf C≥jpd≥kv ]≤Xn{]Imcw I¿jI cPnkvt{Sjv≥ t^mdw Dƒs∏sSbp≈ ]≤XnbpsS F√m \n-_‘\Ifpw F\n°v
a\ nemIpIbpw AYhm hniZoIcn®v \¬InbXmbn Rm≥ {]kvXmhn®vsIm≈p∂p.apIfn¬ tcJs∏SpØnbn´p≈ F√m tcJIfpw Fs‚ Adnhnepw
hnizmkØnepw icnbmsW∂v {]kvXmhn®psIm≈p∂p. apIfn¬ ]d™ hnf at‰sX¶nepw GP≥kn hgntbm / PACS/ _m¶v/{_m©v hgntbm
Imemhÿm[njvTnXhnf C≥jpd≥kv ]≤Xn{]Imcw Cu kokWn¬ C≥jp¿ sNøp∂Xn\mbn s{]mt∏mk¬ t^mdw \¬Inbnńs√∂v/\¬IpIbns√∂v
CXn\m¬ km£ys∏SpØp∂p.
ÿew : H∏v / hnceSbmfw
XobXn : (hnceSbmfw tcJs∏SpØp∂]£w km£nhnhcßƒ \¬IpI.)
Insurance is the subject matter of solicitation km£nIƒ :
.....................................(For useby by Bank/PACS).....................................
Area proposed for insurance Sum Insured (Rs.) Premium Collected from Farmer (Rs.)
(ha) (Sum Insured/ha X area insured) (Sum Insured X Farmer’s Premium Rate)
Prohibition of Rebates : Section 41 of the Insurance Act 1938 provides as follows

1. No Person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives
or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a
policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Provided that acceptance by an insurance agent of
commission in connection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this sub-section
if at the time of such acceptance, the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer.
2. Any person making default in complying with the provisions of this section shall be punishable with fine which may extend to five hundred rupees.
GUIDELINES FOR COMPLETION OF THE FORM
1. Separate proposal forms may be submitted for each crop and RUA.
2. Please complete the proposal Form in all respects.
3. Insurance is a contract of Utmost Good Faith requiring the Insured not only to disclose all material facts but also not to suppress any material facts. If you think any fact is
material please disclose it.
4.The Insurance shall become voidable at the option of the insurer, in the event of any untrue or incorrect statement misrepresentation, non description, or non disclosure in any
material particular in the proposal form / personal statement, declaration and connected documents, or any material information having been withheld by the proposal or any one
acting on his behalf.
5. Kindly contact AIC’s Offices or its authorized Agent for any doubt or clarification on the proposal form.
NOTE: The liability of AIC doesnot commence until this proposal has been accepted by AIC and the due premium is received in full.
Insurance is the subject matter of solicitation adp]pdw
-------------------------------------------------------------------------------------------------------------------------------------------------------

WBCIS-NL-PF-1
Acknowledgement (WBCIS) Date :..............................
Received Rs. ............... (Rupees .................................................................................................... only) towards consideration as Farmer’s share
of Premium from Shri/Smt. ............................................ Son/Daughter/Wife of Shri ................................., cultivator of .................... crop grown
in................................... Panchayath/Municipality/Corporation of ........................... District of .......................... State/UT. having Bank Account No.
................................... in ................................ Bank .............................. Branch, towards coverage of his crop grown in .......................... hectors
during .................................. Season of .......................... year under Weather Based crop Insurance Scheme (WBCIS), vide Cash/Cheque/DD
No. ...................... dated ..................... drawn on ......................................... Bank, subject to realization
Authorised Signatory
97
A{KnIƒ®¿ C≥jpd≥kv Iº\n Hm^v C¥y enan‰Uv
8˛mw \ne, Im¿a¬ Sthgvkv, tIm´¨ln¬ kvIqfns‚ FXn¿hiw, hgpX°mSv, Xncph\¥]pcw˛ 695014
slUv Hmôkv : 13˛mw \ne, AºmZo]v, 14, IkvXq¿_ Km‘nam¿Kv, \yqU¬ln-˛110001
I¿jI cPnkvt{Sj≥ t^mdw *am¿°v sNbvXn´p≈h \n¿_‘ambpw ]qcn∏nt°≠XmWv
hy‡nhnhcßƒ
I¿jIs‚ t]cv * {io/{ioaXn B[m¿ \º¿ :
I¿jIs‚ t]cv (Cw•ojn¬)* Mr./Mrs. ]m≥ \º¿ :

enwKw * : ]pcpj≥ kv{Xo
_‘s∏Sm\p≈ hnhcßƒ
I¿jIs‚ ta¬hnemkw t^m¨ \º¿ (Hmôkv)
ho´vt]cv * *
t^m¨ \º¿ (hoSv)
hoSv \º¿ *
tdmUv/kv{So‰ns‚ t]cv * samss_¬ \º¿*
t]mÃmôkv * ]n.H ^mIvkv \º¿:

hnt√Pv/kn‰n/ ap\nkn∏men‰n *
Pn√ * C-sabn¬ 1.
kwÿm\w
Csabn¬ 2.
]n≥tImUv *
_m¶v A°u≠v hnhcßƒ (_m¶v/A°u≠v hnhcßƒ \¬ImØ]£w \jvS]cnlmcØpI A°u≠n¬ \nt£]n°p∂X√.)
*
I¿jIs‚ t]cv (_m¶v A°u≠v {]Imcw) _m¶ns‚ t]cv *
{_m©ns‚ t]cv *
*
{_m©v ta¬hnemkw IFSC tImUv*
*
A°u≠v GXvhn[w tkhnwKvkv _m¶v (SB) a‰p≈h (IFSC tImUv* C√mØ F°u≠v BsW¶n¬""000000000000'')F∂v tcJs∏SpØpI
A°u≠v \º¿ *
_m¶v t^m¨\º¿*
(apIfn¬ \¬Inb hnhcßƒ ImWn°p∂ _m¶v ]mkv_p°ns‚ tIm∏n/ Iym≥k¬ sNbvX sN°veo^ns‚ tIm∏n CtXmsSm∏w ka¿∏nt°≠XmWv.)
a‰phnhcßƒ
P\\XobXn (dd/mm/yyyy) sXmgn¬/hyhkmbw *
A—s‚/`¿Ømhns‚ t]cv * samØ ÿehnkvXo¿Ww
(G°dn¬ *)
I¿jI≥ GXphn`mKØn¬s∏Sp∂psh∂v am¿°v sNøpI *
1. {KmaoW I¿jI≥ \mKcnI I¿jI≥ 2. SC ST OBC P\d¬
3. \maam{X I¿jI≥ sNdpInSI¿jI≥ a‰p≈h¿ 4. Irjnhmbv] FSpØn´p≈h¿
5. aXw: lnμp ap…ow {InkvXy≥ a‰p≈h¿ Irjnhmbv] FSp°mØh¿
a‰p Xncn®dnb¬ tcJ
tdj≥Im¿Uv thm´¿ ID Im¿Uv ss{UhnwKv ssek≥kv a‰p≈h Xncn®dnb¬ \º¿:
A\¥cmhIminbpsS hnhcßƒ
t\man\nbpsS t]cv {io/{ioaXn
I¿jI\pambp≈ _‘w
kuP\y Fkv.Fw.Fkv tkh\ßƒ
Xm¶ƒ°v Fkv.Fw.Fkv Adnbn∏v BhiyamtWm? thWw th≠ ]pXnb ]≤Xn kw_‘amb Adnbn∏v thWw th≠
s¢bnw A\phZn® Adnbn∏pIƒ thWw th≠ a‰p aqeym[njvTnX tkh\ßƒ thWw th≠
CXn¬ \¬Inbn´p≈ hnhcßƒ Fs‚ Adnhnepw hnizmkØnepw ]q¿Æambpw icnbmsW∂v CXn\m¬ km£ys∏SpØp∂p.
ÿew :
XobXn : kn.]n.Fkns‚ t]cv : I¿jIs‚ H∏v/hnceSbmfw
kn.]n.Fkns‚ cPnkvt{Sj≥ \º¿ : (hnceSbmfw tcJs∏SpØp∂]£w km£nhnhcßƒ tcJs∏SpØpI )
kn.]n.F^ns‚ t]cv : km£n:
Fs¥¶nepw ]cmXnbp≈]£w F.sF.knbpsS doPnbW¬ Hmôknep≈ {Koh≥kv dn{U ¬ Hmôkpambn _-‘st∏tS≠XmWv : 0471˛2334493
98
99
100
101

MNAIS - WBCIS Kharif 2015 Kerala

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MNAIS - WBCIS Kharif 2015 Kerala

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Modified National Agricultural Insurance

Scheme(MNAIS) for Kharif -2015 Season in

AGRICULTURE INSURANCE COMPANY OF INDIA LTD.,

AICILROTVPM/MNAIS/NOTIF/F:2(7)/ 153 /2015 01.06.2015

National Crop Insurance Programme (NCIP)/ Rashtriya Fasal Bima Karyakram

All Nodal Banks ,

Ref: Department of Agriculture & Cooperation, Ministry of Agriculture, Govt. of

State Level Coordination Committee on Crop Insurance (SLCCCI)constituted as per

1. DISTRICTS ,CROPS AND AREAS COVERED :

Crop District Notified Area List of Notified

** In selected Panchayats/Municipalities where Banana is notified under

2. UNIT AREA FOR CROP INSURANCE :

3. FARMERS ELIGIBLE FOR COVERAGE :

(i) Individual owner - Cultivator / Tenant Farmers / Share Croppers

(ii) Farmers enrolled under contract farming, directly or through promoters /

(iii) Groups of farmers / societies serviced by Fertilizer Companies, Pesticide

The Scheme will extend coverage Component-wise:

a) Compulsory Component: All farmers availing Seasonal Agricultural Operations

b) Voluntary Component: MNAIS will be optional / voluntary for all Non-Loanee

4. RISKS COVERED &EXCLUSIONS :

a. STANDING CROP (Sowing to Harvesting)

Comprehensive risk insurance is provided to cover yield losses due to non-

(i) Natural Fire and Lightning

(ii) Storm, Hailstorm, Cyclone, Typhoon, Tempest, Hurricane, Tornado etc.

(iii) Flood, lnundation and Landslide

(iv) Drought, Dry spells

(v) Pests / Diseases etc.

In case farmer of an area is prevented from sowing / planting due to deficit

c. ON ACCOUNT PAYMENT OF CLAIMS

5. SUM INSURED LIMITS &COVERAGE :

a. LOANEE FARMERS (COMPULSORY COVERAGE)

In case of Loanee Farmers under Compulsory Component, Sum Insured would be

In case of Loanee farmers insurance charges i.e. Premium payable by these

b. NON-LOANEE FARMERS (OPTIONAL COVERAGE):

6. PREMIUM RATE, SUBSIDY AND SHARING OF PREMIUM SUBSIDY :

Claim liability rests with Agriculture Insurance Company of India Ltd

8. SCHEME APPROACH AND UNIT OF INSURANCE :

Indemnity for localized calamities is not implemented in Kerala

09. SEASONALITY DISCIPLINE :

10. ESTIMATION OF CROP YIELD AND SUBMISSION OF YIELD DATA :

District-wise applicable Indemnity Levels for Paddy,Banana& Tapioca is as

12. NATURE OF COVERAGE AND INDEMNITY :

b. On Account Payment of Claims

c. Prevented Sowing / Planting compensation: At times the insured area is

1 Total Failure of Sowing 12.50% of SI as

2 Sowing is done, but germination failure 18.75% of SI as

3 After germination crop withering away at 25.00% of SI as

Having received indemnity under Prevented Sowing / Planting compensation, the

d. Localized Risks:Indemnity for localized risks is not implemented in Kerala

14. ENROLMENT OF NON-LOANEE FARMERS :

a. Non-loanee farmer must have an operational bank account in any bank

15. IMPORTANT CONDITIONS/CLAUSES APPLICABLE FOR COVERAGE OF RISK :

• Implementing agency possesses the discretion to accept or reject any risk

• Implementing agency if deemed necessary shall investigate the coverage on

• In case of any substantial misreporting by nodal bank / branch in case of

16. Role & Responsibilities of Financial Institutions/Banks:

• For purpose of MNAIS, scheduled banking institutions engaged in

• Notification, as well as other directives, guidelines, etc., shall flow as AIC ►

• Communicate Notification, as well as other directives, guidelines, etc. as

• Ensure that lending branches / PACS within their jurisdictional area

• Ensure that all service (subordinate) bank branches within their

• The crop-wise sanctioned credit sub-limits approved under KCC based on

• AIC shall acknowledge all the declarations submitted by the banks

Season:_ Year: Crop: Rainfed / Irrigated:___

State: District: Block: Panchayat:_____

Season (Kharif / Rabi / Summer):__ Year: