IMPACT OF PRADHAN MANTRI FASAL BIMA YOJANA ON THE LIVELIHOOD OF FARMERS IN KANGRA DISTRICT OF H.P
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Date
2021-12
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UHF,NAUNI
Abstract
ABSTRACT
The present study entitled “Impact of PMFBY on the livelihood of farmers in Kangra District of Himachal
Pradesh” was conducted during 2020-21. Multistage sampling was used for the selection of the respondents from the
randomly selected two blocks named Bhawarna and Nagrota out of 15 blocks. A total sample of 60 beneficiaries and 60 nonbeneficiary
farmers was selected for the present study. The results revealed that average family size at overall level comprises
of 5.28 and 4.93 persons for beneficiaries and non-beneficiary farmers. The literacy rate was 91.52 per cent at overall level of
beneficiaries while it was 89.19 per cent in non-beneficiary farmers. Agriculture has been found to be the main occupation as
67.64 per cent of workforce practice farming on beneficiaries and 74.34 per cent on non-beneficiaries farmers. Average size
of land holding was 1.20 and 1.14 ha on beneficiaries and non-beneficiaries farmers. The area under fields crops 72.24 per
cent of total landholding in case of beneficiaries and 75.44 per cent in non-beneficiary farmers on an overall basis. Area under
orchard accounted for 7.07 per cent of total land holdings among beneficiaries and 6.21per cent among non-beneficiaries
farmers. The overall cropping intensity was found to be 175.09 per cent beneficiaries and non-beneficiaries were 169.29 per
cent. The overall number of livestock among beneficiaries and non-beneficiaries farmers were 4.14 and 6.98 (ACUs).
Livelihood framework analysis revealed that claim holders had better position in financial, social and human capital/assets
status than non-claim holders and non-beneficiary farmers. As far as physical and natural capital/assets was concerned it was
same in all the three categories. No significant difference was found in natural capital on different categories. It was noticed
that enhanced performance of farm operations and mitigation of risk of adverse climatic condition has 42.58 and 69.27 times
more effect on adoption of scheme. The progress of PMFBY in Himachal Pradesh state was good in terms of no. of farmers
benefitted, total premium amount, total claims paid but in terms of total no. of farmers covered and total insured area has
reduced. Major constraints faced by the beneficiary farmers in the study area are awareness of crop insurance scheme and
facilities available with mean garret score of (69.70). In case of non-beneficiaries farmer’s lack of awareness about PMFBY
with mean Garret score of (71.23) was noticed. The study suggested that the training programmes and exposure visits should
be organized on regular basis in order to enhance skills of the beneficiaries and non-beneficiary farmers so as to maximize the
net profit and decrease post-harvest losse