Report of the Comptroller and Auditor General of India on Performance Audit of Agriculture Crop Insurance Schemes
GOI introduced the Modified National Agriculture Insurance Scheme (MNAIS) and implemented it on pilot basis in 50 districts from the Rabi season 2010-11. From the Rabi season 2013-14, GOI merged MNAIS and WBCIS into a new programme, the National Crop Insurance Programme (NCIP) replacing NAIS. However, at the request of states, NAIS continued till Rabi season 2015-16. AIC and other empanelled private insurance companies were designated as Implementing Agencies (IAs) under NCIP. Unlike the NAIS, where GOI and state governments subsidised insurance premium (over and above the farmers’ share) and insurance claims (above a threshold to be borne by AIC), from WBCIS onwards, government subsidy was limited to insurance premium alone. From Kharif season 2016, GOI replaced NAIS and NCIP, and introduced the Pradhan Mantri Fasal Bima Yojana (PMFBY) and Re-structured WBCIS. The present performance audit report reviews the utilisation of governments’ funds, implementation of the schemes and monitoring during the period 2011-12 to 2015-16.