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Agriculture,Rural & Environment

National Agriculture Insurance Scheme

The National Agriculture Insurance Scheme (NAIS) was introduced by the Government of India to provide comprehensive insurance coverage and financial support to farmers against crop losses due to natural calamities, pests, and diseases.

Authority

Central

Region

Central Government

Status

Verified 2026

Updated

March 2026

What you get

Comprehensive Crop Coverage: | - Protection against crop loss due to natural calamities (floods, droughts, hailstorms), pests, diseases, and localized risks. | - Includes coverage for sowing, standing crops, and post-harvest losses. | Subsidized Premiums for Small Farmers: | - Small and marginal farmers receive premium subsidies, making the scheme affordable for them. | Affordable Premiums for All Farmers: | - Low premium rates for both loanee and non-loanee farmers, with premiums deducted from agricultural loans. | Quick Claim Settlement: | - Fast processing and direct claim settlement to the farmer’s bank account. | Encourages Better Farming Practices: | - Promotes risk mitigation and adoption of modern agricultural practices, increasing productivity. | Wide Crop Coverage: | - Covers food crops, oilseeds, and horticultural crops, ensuring protection for most farmers. | Nationwide Accessibility: | - Available to farmers across the country, making it a national safety net. | Premium Rates | - Food crops and oilseeds: | - Kharif crops: 3.5% of the sum insured. | - Rabi crops: 1.5% of the sum insured. | - Commercial and horticultural crops: Actuarial premium rates apply. | - The premium for Small & Marginal farmers is subsidised to the extent of 10% which is shared by the State Govt. and Govt. of India

Who can apply

Farmers who avail seasonal agricultural operations (SAO) loans from financial institutions (banks, co-operative societies, etc.) are automatically covered under the scheme.; The coverage for loanee farmers is compulsory, and premiums are deducted from the loan amount.; Non-loanee farmers can apply voluntarily for the insurance coverage.; The application must be submitted before the deadline for each crop season.; The crops to be insured and the areas where the scheme is applicable are announced by the government each year.

Required Paperwork

  • Aadhaar Card
  • PAN Card
  • Income Certificate
  • Residence Proof (Domicile)

Common Questions

What is the National Agriculture Insurance Scheme (NAIS)?

The National Agriculture Insurance Scheme (NAIS) is a government initiative aimed at providing financial protection to farmers against crop losses due to natural calamities, pests, and diseases. It offers coverage for food crops, oilseeds, and select horticultural crops.

Who is eligible to apply for NAIS?

All farmers growing insurable crops and availing Seasonal Agricultural Operations (SAO) loans from Banks / PACS are compulsorily covered under the | Scheme by the Banks/ PACS, whereas the non-borrowing farmers growing insurable crops can also avail the benefit of the Scheme by submitting prescribed proposal forms at the nearest Banks/ PACS.

How can famar apply for the NAIS?

Loanee Farmers: The application is processed through the bank or financial institution from where the loan is availed. The premium is deducted directly from the loan amount. | Non-Loanee Farmers: They need to approach the nearest bank or insurance office, fill out the application form, submit required documents, and pay the premium.

What is the premium amount for the scheme?

Food Crops (Kharif): 3.5% of the sum insured. | Food Crops (Rabi): 1.5% of the sum insured. | Commercial and Horticultural Crops: Premium is based on actuarial rates.

Are there any subsidies on the premium?

Yes, the government provides premium subsidies, particularly for small and marginal farmers, to make the scheme affordable. The premium subsidy is shared between the central and state governments.

What documents are required to apply for NAIS?

Aadhaar card or another government-issued identity proof. | Proof of land records (ownership or tenancy). | Crop sowing certificate (if applicable). | Bank account details for claim settlement.

How are claims processed under NAIS?

Farmers must inform the local authorities or insurer about crop loss within 48 hours. | A joint assessment of the loss is carried out by insurance representatives and local officials. | After verification, the claims are settled and directly transferred to the farmer's bank account.

Can non-loanee farmers apply for NAIS?

Yes, non-loanee farmers can voluntarily apply for NAIS by visiting an authorized bank branch or insurance office. They need to submit necessary documents and pay the premium.

How many states are participating in the scheme?

At present this scheme is being implemented in 23 States and UTs (except Punjab, Manipur, Nagaland, Mizoram and Arunachal Pradesh among the States | and Chandigarh, Daman & Diu, Delhi, Dadra & Nagar Haveli and Lakshadweep among the UTs).

Are crop loans disbursed through Kisan Credit Cards (KCCs) eligible for insurance coverage under the NAIS ?

Crop loans disbursed/withdrawn through KCCs are also eligible for coverage as per the terms and conditions applicable to the regular crop loans.