Farmers Perceptions towards Agricultural Insurance Schemes in Southern Rajasthan: The Case of National Agricultural Insurance Scheme (NAIS) and Weather Base Crop Insurance Scheme (WBCIS)

Santosh Devi Samota

Sri Karan Narendra Agriculture University, Jobner-Jaipur, India.

K.L. Dangi

Maharana Pratap University of Agriculture and Technology, Udaipur, India.

S.L. Yadav *

Agriculture University, Kota, India.

Ranveer Kumar Yadav

Swami Keshwanand Rajasthan Agricultural University, Bikaner, India.

*Author to whom correspondence should be addressed.


Crop insurance is an insurance prearrangement aiming at mitigate the financial losses suffered by the farmers due to damage of their crops due to various production risks beyond their control like natural fire, weather, floods, pests, diseases etc. Government of India started offering crop insurance in 1985, with the Comprehensive Crop Insurance Scheme. This encourages farmers to carry on with their productive efforts, which not only improves the welfare of the farmers but finally helps in stabilizing the agricultural output. In total majority of respondents, the insured loanee farmers 88 (88/150) (58.70 per cent) stated favourable attitude, while 35 (35/150) (23.30 per cent) could be found under less favourable category. The 27 (27/150) (18.00 per cent) farmers reported under highly favourable proportion. Statement wise attitude of insured loanee farmers in five-point continuum recorded most favourable attitude with mean per cent score 81.52, 78.17, 77.49 and 71.50 and placed at 1st, 2nd, 3rd and 4th respectively. This stated that the farmers can sustain natural calamities and compensation is available in time.

Keywords: Crop insurance, attitude level, insured loanee farmers, NAIS, WBCIS, farm incomes, crop yields

How to Cite

Samota, Santosh Devi, K.L. Dangi, S.L. Yadav, and Ranveer Kumar Yadav. 2024. “Farmers Perceptions towards Agricultural Insurance Schemes in Southern Rajasthan: The Case of National Agricultural Insurance Scheme (NAIS) and Weather Base Crop Insurance Scheme (WBCIS)”. Asian Journal of Agricultural Extension, Economics & Sociology 42 (6):210-14.


Download data is not yet available.


Ray S. Report on Drought and Flood Impact Assessment on Agriculture, Ministry of Agriculture, Government of India; 2014.

Bhuiyan MA, Davit M, XinBin Z, Zurong Z. The impact of agricultural insurance on farmers’ income: Guangdong Province (China) as an example. Plos One. 2022;17(10): e0274047.

Pathak H, Mishra JP, Mohapatra T. Indian Agriculture after Independence. Indian Council of Agricultural Research, New Delhi 110 001. 2022;426.

Wasihum BN, Joseph AK, Okorley LE. Farmers’ perception of their level of participation in extension in Ethiopia: Policy implications. Indian Journal of Agricultural Extension and Rural Development. 2014;6:80-86.

Likert R. Techniques for the measurement of attitudes. Archives Psycholog. 1932; 140:44-45.

Sawant AG, Warwadedekar SC, Mahadile RD, Nihar AJ. Attitude of higher secondary school students towards agricultural courses. Indian Journal of Extension Education. 2002;11:2821-2825.

Nikooie AR, Torkamani J. Influence of crop insurance on farmers’ risk and attitudes in fares province: comparison of group forcible with personal free insurance. Journal of science and technology of agriculture and natural Resource. 2002; 6:1-16.

Mahajan S, Bobade A. Growth of NAIS: A Study of Crop Insurance in India. Bauddhik. 2012;3:1-15.

Kumar DS, Barahb BC, Ranganathana VCR, Gurunathana RS, Thirumoorthy S. An Analysis of Farmers’ Perception and Awareness towards Crop Insurance as a Tool for Risk Management in Tamil Nadu. Agricultural Economics Research Review. 2011;24: 37-46.

Goudappa SB, Reddy BS, Chandrashekhar SM. Farmers’ Perception and Awareness of Crop Insurance in Karnataka. Indian Research Journal of Extension Education. 2012;218-219.

Clarke C, Das N, Nicola F, Hill RV, Kumar N, Mehta P. Value of Customized Insurance for Farmers in Rural Bangladesh. International Food Policy Research Institute. 2013;23:456-459.

Chinwendu A, Chukwukere AO, Remigus M. Risk, Attitude and Insurance: A Causal Analysis. American Journal of Economics. 2012; 2: 26-32