A. AGRICULTURE INSURANCE SCHEME Notified crops for Crop insurance Season Name of Crop Kharif 2014 Paddy, Maize Rabi 2013 Wheat, Lentil, Rabi Maize, Arhar, Rapeseed-Mustard, Potato, Onion, Brinjal, Tomato, Banana, Mango and Lichi.

Type of Insurance covered in Bihar Name of District Total No of District W.B.C.I.S Patna, Nalanda, Bhojpur, Buxer, Rothas, Kaimur, Gaya, Jahanabad, Arwal, Nawada, Aurangabad, Saran, Siwan, Gopalganj, West Champaran, Vaishali, Samastipur, Bagusarai, Munger, Shekhpura, Lakhisari, Jamui, Bhagalpur, Banka, Sharasa, Supaul, Madhepura, Purnia, Kishanganj, Araria & Katihar. 31 MNAIS Muzaffarpur, Madhbani, Darbhanga, East Champaran, Sheoha, Sitamarhi & Khagaria 7

Farmers Premium (Rs./hect.) Premium Rate in Weather based Crop Insurance Scheme in kharif 2014 LOANEE AND NON LOANEE FARMERS Scheme Crop Sum Insured (Rs./hect.) Premium Rate Farmers Premium (Rs./hect.) (WBCIS) Paddy 22500.00 5% 1125.00 Maize

Premium Rate in Modified Notional Agriculture Insurance Scheme (MNAIS) Modified National Agriculture Insurance Scheme (MNAIS) during kharif 2014 in 7(seven) districts namely (1) East Chemparan, (2) Muzaffarpur, (3) Madhubani, (4) Darbhanga), (5) Sitamarhi, (6) Sheohar & (7) Khagaria District-wise Notified Crops, Sum Insured, Premium Rate etc. for Loanee and Non Loanee Farmers Sl. No. District Crop Sum Insurance (Rs./hect.) Premium Rate Farmers Premium (Rs./hect.) 1 Muzaffarpur Paddy 7857.00 7.00% 549.99 Maize 13390.00 6.00% 803.40 2 Madhubani 8800.00 6.25% 550.00 13968.00 838.08 3 Darbhanga 15068.00 5.84% 879.97 16566.00 5.312% 879.99 4 E. Champaran 20000.00 4.425% 885.00 5 Sheohar 9565.00 573.90 9167.00 550.02 6 Sitamarhi 7333.00 7.50% 549.98 4.995% 999.00 7 Khagaria 6.00 5.00

Status on Crop Insurance In Bihar Year 2011-12 (Kharif + Rabi) Sl. No. Scheme No. of Farmers Sum Insured (Rs. Crore) Benefited Farmers Claims (Rs. Crore) I National Agriculture Insurance Scheme (NAIS) 337358 850.81 2879 2.73 II Weather based Crop Insurance Scheme (WBCIS) 1725292 4537.95 1147259 133.16 III Modified National Agriculture Insurance Scheme (MNAIS) 80487 205.27 5022 6.13 Total 2143137 5594.03 1155160 142.02

Year 2012-13 (Kharif + Rabi) Sl. No. Scheme No. of Farmers Sum Insured (Rs. Crore) Benefited Farmers (No) Claims (Rs. Crore) Remark I National Agriculture Insurance Scheme (NAIS) Not implemented II Weather based Crop Insurance Scheme (WBCIS) 2856891 7132.72 2507480 490.04 III Modified National Agriculture Insurance Scheme (MNAIS) 344729 852.15 51019 47.10 in Rabi 2012-13 Total 3201620 7984.87 2558499 537.14

Farmers benefited and claims not included for Rabi 2013-14 Season. Year 2013-14 (Kharif + Rabi) Sl. No. Scheme No. of Farmers Sum Insured (Rs. Crore) Benefited Farmers Claims (Rs. Crore) Remark I Weather based Crop Insurance Scheme (WBCIS) 3586412 7676.57 1413827 550.92 Farmers benefited and claims not included for Rabi 2013-14 Season. II Modified National Agriculture Insurance Scheme (MNAIS) Report not obtained. Note :- Budget provision under WBCIS and MNAIS during Financial Year 2014-15 is Rs. 378.19 Crores and Rs. 118 Crores respectively.

(i) Status of issue of New Kisan Credit Card (in number) B. AGRICULTURE CREDIT (i) Status of issue of New Kisan Credit Card (in number) Year Target Ach. 2011-12 1500000 818890 2012-13 863822 2013-14 1072030

(ii) Agriculture Credit Flow during 2011-12, 2012-13 and 2013-14 in Bihar (Rs. In Lakh) Year Commercial Bank Co-operative Bank Regional Rural Banks Total 2011-12 968915 38685 488190 1495790 2012-13 1320342 32820 803466 2156628 2013-14 1778578 30754 1067646 2876978

(iii) Performance under Kisan Credit Card as on 30. 06 (iii) Performance under Kisan Credit Card as on 30.06.14 during 2014-15 (Amount in lakh) KCC New KCC Renew Target Sanction Disbursed % Ach. No. Amt. 1500001 157846 136729 157496 130308 10.52 356457 288338 347117 239828 KCC Total (new + renew) Sanction Disbursed No. Amt. 514303 385067 504613 370136

(iv) Initiative taken by State Government for Agriculture Credit 1. Meeting of sub Committee of SLBC on Agriculture is being held at every three months. 2. Review meeting of District level Bankers committee is organized in every month. 3. Kisan Credit Camp is organized at block level by Agriculture Dept. before Kharif and Rabi Season. 4. Wide publicity is given through news papers and agriculture extension worker regarding Agriculture Financing and Credit Camps. 5. Farm Mechanisation Credit-Cum-K.C.C. Camp is also organized in Agriculture Mela at District level.

(v) Constraints in Credit Delivery 1. Incomplete knowledge of schemes among farmers related to Agricultural Loan. 2. Non-availability of Agricultural Loan in Proper time. 3. Lack of interest of Bankers in financial Agriculture Credit.

(vi) Suggestions for improvement 1. Publicity of Bank related schemes through radio/T.V. and News papers. 2. Loan Application should be generated through credit camps. 3. Steps should be taken to insist farmers for timely payment of Agriculture loans.