Perception of Farmers towards Crop Insurance Schemes in Kerala, India

Agricultural insurance is a risk management approach used by farmers to protect them against crop loss caused by such unpredictable risk factors. The study on perception of farmers towards crop insurance schemes in Kerala was carried out in three selected districts of Kerala namely, Kottayam, Malappuram and Idukki in the year 2020-2021. The findings of the study showed that majority of the farmers (69.17 %) had medium perception, followed by low (18.33 %) and high (12.50 %) perception regarding crop insurance schemes in Kerala.The association between profile characteristics of the respondents with their perception towards crop insurance schemes in Kerala showed that characteristics like education, operational landholding, credit orientation and decision making ability had significant association with their perception regarding crop insurance schemes in Kerala. The comparison of the perception of beneficiary farmers towards the three crop insurance schemes namely, Restructured State Crop Insurance Scheme of Kerala (RSCIS), Pradhan Mantri Fasal Bima Yojana (PMFBY) and Restructured Weather Based Crop Insurance Scheme (RWBCIS) revealed that there existed a significant difference between the central and state crop insurance and there existed no significant difference among the two centrally sponsored crop insurance schemes.