TO FIND OUT THE CONSTRAINTS FOUND BY RESPONDENTS IN GETTING PMFBY AND SEEK THEIR SUGGESTIONS TO OVERCOME THE CONSTRAINTS IN DEOGARH DISTRICT OF ODISHA

Abstract

Research study entitled "A Study on attitude of farmers towards Pradhan Mantri Fasal Bima 
Yojana in Deogarh District of Odisha" was under taken to elucidate the constraints faced by the 
farmers regarding Pradhan Mantri Fasal Bima Yojana and seek their suggestions. The 
constraints faced by the beneficiaries in PMFBY were Lack of knowledge regarding to PMFBY, 
lack of awareness of benefits of PMFBY, less compensatation offered in crop insurance scheme, 
delay in payment of compensatation. Rate of premium is not universal for all crops, on-line 
registration and assessment of risk complexity in PMFBY, unavailability of experts for 
assessment of loss at visit time, lack of coordination between banks and farmers and high rate of 
premium. Suggestion made by the beneficiaries to overcome the constraints in PMFBY were 
procedure of the scheme should be simplified, organization of awareness programmes for 
farmers regarding PMFBY, organization of training programmes on e-filling of insurance and 
benefit of the farmers, payment of premium by the government for farmers below the poverty 
regarding PMFBY, premium rate may be decreased, avoid delay in payment of compensatation, 
increase the number of extension agents, improve linkage between banks and farmers, unit area 
may be of individual or a village level improve socio-economic conditions of the farmers and 
increase the insurance agents in rural areas.