National Agriculture Insurance Scheme

The National Agriculture Insurance Scheme (NAIS) was introduced by the Government of India to provide comprehensive insurance coverage and financial support to farmers against crop...

मुख्य जानकारी

विभाग / मंत्रालय: Ministry Of Agriculture and Farmers Welfare
स्तर: केंद्रीय (पूरे भारत)
श्रेणी: Agriculture
अंतिम तिथि: हमेशा खुली
लाभार्थी: farmer, citizen

लाभ

> **Comprehensive Crop Coverage:**

Protection against crop loss due to natural calamities (floods, droughts, hailstorms), pests, diseases, and localized risks.
Includes coverage for sowing, standing crops, and post-harvest losses.

> **Subsidized Premiums for Small Farmers:**

Small and marginal farmers receive premium subsidies, making the scheme affordable for them.

> **Affordable Premiums for All Farmers:**

Low premium rates for both loanee and non-loanee farmers, with premiums deducted from agricultural loans.

> **Quick Claim Settlement:**

Fast processing and direct claim settlement to the farmer’s bank account.

> **Encourages Better Farming Practices:**

Promotes risk mitigation and adoption of modern agricultural practices, increasing productivity.

> **Wide Crop Coverage:**

Covers food crops, oilseeds, and horticultural crops, ensuring protection for most farmers.

> **Nationwide Accessibility:**

Available to farmers across the country, making it a national safety net.

**Premium Rates**

Food crops and oilseeds:
Kharif crops: 3.5% of the sum insured.
Rabi crops: 1.5% of the sum insured.
Commercial and horticultural crops: Actuarial premium rates apply.
The premium for Small & Marginal farmers is subsidised to the extent of 10% which is shared by the State Govt. and Govt. of India

पात्रता (कौन ले सकता है)

> **Loanee Farmers:**

Farmers who avail seasonal agricultural operations (SAO) loans from financial institutions (banks, co-operative societies, etc.) are automatically covered under the scheme.
The coverage for loanee farmers is compulsory, and premiums are deducted from the loan amount.

> **Non-Loanee Farmers:**

Non-loanee farmers can apply voluntarily for the insurance coverage.
The application must be submitted before the deadline for each crop season.

> **Notified Crops and Areas:**

The crops to be insured and the areas where the scheme is applicable are announced by the government each year.

आवेदन कैसे करें

**Offline**
> **Application Process for Loanee Farmers**
**Step-1**: Loanee farmers need to visit their nearest bank or primary agricultural cooperative society (PACS) branch, where they have taken the loan.
**Step-2:** The bank will automatically enroll the farmer in the NAIS.
**Step-3:** Premiums are deducted directly from the loan amount at the time of disbursement
> **Application Process for Non-Loanee Farmers**
**Step-1: Visit the Bank or Insurance Office**
- Go to the nearest branch of a bank that offers NAIS or visit the office of an authorized insurance company that provides coverage under NAIS.

अक्सर पूछे जाने वाले सवाल

National Agriculture Insurance Scheme के लिए पात्रता क्या है / कौन आवेदन कर सकता है?

> **Loanee Farmers:** 1. Farmers who avail seasonal agricultural operations (SAO) loans from financial institutions (banks, co-operative societies, etc.) are automatically covered under the scheme. 1. The coverage for loanee farmers is compulsory, and premiums are deducted from the loan...

National Agriculture Insurance Scheme में क्या लाभ मिलता है?

> **Comprehensive Crop Coverage:** - Protection against crop loss due to natural calamities (floods, droughts, hailstorms), pests, diseases, and localized risks. - Includes coverage for sowing, standing crops, and post-harvest losses. > **Subsidized Premiums for Small Farmers:**...

National Agriculture Insurance Scheme के लिए ऑनलाइन आवेदन कैसे करें?

**Offline** > **Application Process for Loanee Farmers** **Step-1**: Loanee farmers need to visit their nearest bank or primary agricultural cooperative society (PACS) branch, where they have taken the loan. **Step-2:** The bank will automatically enroll the farmer in the NAIS. **Step-3:*...

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आख़िरी अपडेट: 02 Jul 2026