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• The education level among the sample farmers was very poor. Around 74 percent of the sample
farmers were either illiterate or educated below matriculation.
• In Haryana small farmers took land on lease and large farmers lease out their land to other farmers.
• More than 90 percent of the sample farmers raised wheat and paddy on their field and 96 percent of
the farmers were having dairy and other allied activities as subsidiary activities. Average animal size
holding of sample farmers was around four animals. Sample farmers were earning around Rs. 4000
per month per animal.
• In sample study, 9 percent farmers had other source of income. Wage labour was major component
of ‘other source of income’. Average earning from other sources was around Rs. 6000 per month.
• The average per acre income from wheat and paddy were Rs.21658 and Rs.27973 respectively.
• The access to institutional financing was around 75 percent in the sample farmers.
• The level of awareness about insurance scheme among the sample farmers was very low. Around 83
percent of the sample farmers were not aware about the insurance schemes.
• 63 percent of sample farmers who had availed crop insurance came to know about the scheme
through banks and remaining 37 percent through fellow farmers. Thus banks and fellow farmers
remained two important instruments in creating awareness among the farmers about the crop
insurance scheme.
• 37 percent of farmers who had insured their crop got claim from the ICICI Lombard (premium
collecting company in Kaithal district) under MNAIS which was applicable during respective crop
season.
• In case of crop damage, there was around 43 percent probability that a farmer may come under the
grip of money lender/ commission agent.
• All the sample farmers had tolerable level of crop loss to the extent up to 10%.
• 50 percent of sample farmers who were interviewed preferred for availing crop insurance scheme
through rural agent at door step, 10 percent of sample farmers preferred insurance agents, 30
percent of sample farmers preferred commercial banks and 10 percent of sample farmers preferred
post office for availing crop insurance scheme.
• 17 percent of sample farmers knew about the previous schemes. But awareness level about the latest
crop insurance scheme i.e. Pradhan Mantri Fasal Bima Yojana (PMFBY) was very good at the district
level. 80 percent farmers were aware about the Pradhan Mantri Fasal Bima Yojana.
• Banks, fellow farmers, newspapers, TV were the major mode of awareness of PMFBY as gathered
during the study.
• 43 percent of the sample farmers expressed reservation about PMFBY. However, 57 percent of
sample farmers expressed willingness for PMFBY.
