Top 10 Must Read Topics for IAS Mains GS Paper 3: IAS Mains GS Paper 3 consists of themes of Technology, Economic Development, Agriculture, Biodiversity, Environment, Security & Disaster Management. Being tricky by nature, this paper gives you an advantage over other aspirants if you score well.
The course structure of the exam is so that it requires rigorous preparations from the side of the aspirant. It requires you to have proper study material to cover various topics. The paper requires both analytical and factual knowledge of the candidate and thus becomes a tough nut to crack.
Over here we are sharing Top 10 Must Read Topics for IAS Mains GS Paper 3. Let us initiate with the next topic.
Top 10 Must Read Topics for IAS Mains GS Paper 3 | Topic 6
Agriculture in India is highly susceptible to risks like droughts and floods. It is necessary to protect the farmers from natural calamities and ensure their credit eligibility for the next season. For this purpose, the Government of India introduced many agricultural schemes throughout the country.
The Pradhan Mantri Fasal Bima Yojana (Prime Minister’s Crop Insurance Scheme) was launched by Prime Minister of India Narendra Modi on 18 February 2016. It envisages a uniform premium of only 2 per cent to be paid by farmers for Kharif crops, and 1.5 per cent for Rabi crops. The premium for annual commercial and horticultural crops will be 5 per cent.
National Agriculture Insurance Scheme(NAIS)
In 1999-2000, a new scheme titled “National Agricultural Insurance Scheme” (NAIS) or “Rashtriya Krishi Bima Yojana” (RKBY) was introduced by the Government of India. NAIS envisages coverage of all food crops (cereals and pulses), oilseeds, horticultural and commercial crops. It covers all farmers, both loanees, and non-loanees, under the scheme.
The premium rates vary from 1.5 percent to 3.5 percent of sum assured for food crops. In the case of horticultural and commercial crops, actuarial rates are charged. Small and marginal farmers are entitled to a subsidy of 50 percent of the premium charged (the subsidy is shared equally between the Government of India and the States). The subsidy is to be phased out over a period of 5 years.
NAIS operates on the basis of
- Area approach – defined areas for each notified crop for widespread calamities.
- On the individual basis – for localized calamities such as hailstorms, landslides, cyclones, and floods.
Under the scheme, each state is required to reach the level Gram Panchayat as the unit of insurance in a maximum period of 3 years.
Importance of Agricultural Insurance in India
(i) It provides protection to farmers against losses caused by crop failure and thereby ensures stability in farm income.
(ii) It also strengthens the position of cooperatives and other institutions that finance, agriculture to the extent it enables the farmer members to repay their loans in years of crop failure.
(iii) By protecting the economic interest of the farmers against possible risk or loss, it accelerates adoption of new agricultural practices.
(iv) It minimizes the problem of rural indebtedness, which is traceable to the frequent failure of crops.
(v) It also reduces, to some extent, government expenditure incurred on relief measures extended to meet the havoc caused by natural calamities.
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Expected Question: What is Agriculture Insurance? What is the Importance of Agriculture Insurance in India?
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