Agriculture Credit

location^*

Place^*

Taluk/Mandal^*

District^*

Name of the head of the hosuehold^*

Name of the benficiary^*

Age^*

Contact number:^*

Sex^*

Caste^*

Education (Years)^*

Main Occupation^*

Subsidary occupation^*

Family Background (Number of people)^*

Adult males in family^*

Adult females in family^*

Adult children in family^*

No. of people engaged in farming/agriculture^*

Total land owned (acre)^*

Total land operational (acre)^*

Total land irrigated (acre)^*

Total land unirrigated (acre)^*

Does family posses atleast one mobile phone ?^*

Do you have saving account in bank/ post office?^*

If yes, how many?^*

Do you have BPL card ?^*

Annual Income of the family (2021-22) from Agriculture (Rs)^*

Annual Income of the family (2021-22) from Agriculture allied activities (Rs)^*

Annual Income of the family (2021-22) from Non agricultural sources (Rs)^*

Season^*

Crop^*

Area Irrigated (acre)^*

Area Unirrigated (acre)^*

Source of irrigation^*

Total Production (Qtls)^*

Local No.^*

Milk Production (litre/animal/day)^*

Cross breed number^*

Milk production (litre/animal/day)^*

Local No.^*

Milk Production (litre/animal/day)^*

Cross breed number^*

Milk production (litre/animal/day)^*

Local No.^*

Milk Production (litre/animal/day)^*

Cross breed number^*

Milk production (litre/animal/day)^*

Local No.^*

Milk Production (litre/animal/day)^*

Cross breed number^*

Milk production (litre/animal/day)^*

Local No.^*

Cross breed number^*

Trawlers^*

Vassels^*

Fishing nets^*

Traditional Crafts^*

Motorized crafts^*

Others, Please specify (name and number)^*

Area in acre / Size of pond/No. of birds^*

Amount (Rs.^*

Area in acre / Size of pond/No. of birds^*

Amount (Rs.^*

Area in acre / Size of pond/No. of birds^*

Amount (Rs.^*

Area in acre / Size of pond/No. of birds^*

Amount (Rs.^*

Please specify the purpose of working capital^*

Area in acre / Size of pond/No. of birds^*

Amount (Rs.^*

Source of borrowing^*

Relation^*

Collateral used^*

Amount (Rs)^*

Purpose^*

For duration of months^*

% Rate of interest (Year)^*

Amount paid with interest at the end of the year^*

Outstanding loans (on April 2022- present)^*

KCC- Name of Bank^*

Year taken^*

Credit Limit (Rs.)^*

How many times did you visit the lending organization for getting loan -KCC (No.)^*

How much did you spend per visit on travel? (Rs)^*

How much wage/earning loss did you incur due to time spend in visit? (Rs.)^*

Amount paid as bribes to get a sanction (if any)?(Rs)^*

Comfort level in terms of your borrowing experience with the source (5=Most Comfortable, 1=Least Comfortable)^*

If you are to advise your friend, which sources of credit you would recommend now?^*

Do you like to shift from any of these sources of credit? (Yes=1; No=0)^*

Which source would you like to leave first?^*

From which best source would you like to borrow instead?^*

Any other^*

KCC- Name of Bank^*

Year taken^*

Credit Limit (Rs.)^*

How many times did you visit the lending organization for getting loan -KCC (No.)^*

How much did you spend per visit on travel? (Rs)^*

How much wage/earning loss did you incur due to time spend in visit? (Rs.)^*

Amount paid as bribes to get a sanction (if any)?(Rs)^*

Comfort level in terms of your borrowing experience with the source (5=Most Comfortable, 1=Least Comfortable)^*

If you are to advise your friend, which sources of credit you would recommend now?^*

Do you like to shift from any of these sources of credit? (Yes=1; No=0)^*

Which source would you like to leave first?^*

From which best source would you like to borrow instead?^*

Any other^*

KCC- Name of Bank^*

Year taken^*

Credit Limit (Rs.)^*

How many times did you visit the lending organization for getting loan -KCC (No.)^*

How much did you spend per visit on travel? (Rs)^*

How much wage/earning loss did you incur due to time spend in visit? (Rs.)^*

Amount paid as bribes to get a sanction (if any)?(Rs)^*

Comfort level in terms of your borrowing experience with the source (5=Most Comfortable, 1=Least Comfortable)^*

If you are to advise your friend, which sources of credit you would recommend now?^*

Do you like to shift from any of these sources of credit? (Yes=1; No=0)^*

Which source would you like to leave first?^*

From which best source would you like to borrow instead?^*

Any other^*

KCC- Name of Bank^*

Year taken^*

Credit Limit (Rs.)^*

How many times did you visit the lending organization for getting loan -KCC (No.)^*

How much did you spend per visit on travel? (Rs)^*

How much wage/earning loss did you incur due to time spend in visit? (Rs.)^*

Amount paid as bribes to get a sanction (if any)?(Rs)^*

Comfort level in terms of your borrowing experience with the source (5=Most Comfortable, 1=Least Comfortable)^*

If you are to advise your friend, which sources of credit you would recommend now?^*

Do you like to shift from any of these sources of credit? (Yes=1; No=0)^*

Which source would you like to leave first?^*

From which best source would you like to borrow instead?^*

Any other^*

KCC- Name of Bank^*

Year taken^*

Credit Limit (Rs.)^*

How many times did you visit the lending organization for getting loan -KCC (No.)^*

How much did you spend per visit on travel? (Rs)^*

How much wage/earning loss did you incur due to time spend in visit? (Rs.)^*

Amount paid as bribes to get a sanction (if any)?(Rs)^*

Comfort level in terms of your borrowing experience with the source (5=Most Comfortable, 1=Least Comfortable)^*

If you are to advise your friend, which sources of credit you would recommend now?^*

Do you like to shift from any of these sources of credit? (Yes=1; No=0)^*

Which source would you like to leave first?^*

From which best source would you like to borrow instead?^*

Any other^*

Timely availability of credit from KCC

Sufficient credit limit as per requirement

Yearly procedure of making fresh KCC credit limit

Reduction of cost in accessing credit

Simplicity in annual renewing of KCC limit

Reliable and transparent operational procedure of KCC account in bank

Low interest rate on credit under KCC

Drawing cash at any branch of the concerned bank

Overall credit acquisition procedure in KCC

In-build facility of crop insurance in KCC

Credit repayment procedure

Complicated loaning procedure

Not favorable instalment decided by bank

Milk Society not Cooperate

Lack of support of the bank Manager

Lack of proper knowledge about loan

Low saving for repayment of loan

Lack of awareness about the benefits of scheme

Lack of communication between beneficiaries and officers.

Bribe for taking the loan on card

Lack of knowledge about banking system

Lack of motivation from officials

Lack of media exposure

Lack of extension contacts

Heavy Rain

Flood

Drought

Variablity in rainfall

Pest attack

Disease

Fire

Untimely irrigation

Inequity/surplus irrigation

Decline in crop prices

Failure in new technology

Unsuccesful investment

Poor economic condition

Low crop yield

low price

high price of seed/fertilizers

Have you experienced any crop loss in last 5 years?

Year of loss

Crop name

Season/ (Kharif/Rabi)

Area affected (acre):

Normal yield rate (Qtl./Ha.):

Actual yield rate (Qtl./Ha.):

Crop Loss (In Rs.)

Cause/s of crop loss, if any

Crop Insurance

Construction of water infrastructure

Crop diversification

Income diversification

Off farm employment

Given land on rent (leased out)

Sold land

Sale/Mortgage of land

Sale of livestock

sale/Mortgage of jewellery

Borrowing from friends/relatives

Bank loan

Borrowing from money lender

Government relief

Loan from co-operative society

Lease on land

Any other, please specify (also put rating in brackets)

Crop name

Area (acre)

Sum insured

Amt. of permium of the insurance (Rs)

Mode of Payment

Crop name

Area (acre)

Sum insured

Amt. of permium of the insurance (Rs)

Mode of Payment

Crop name

Area (acre)

Sum insured

Amt. of permium of the insurance (Rs)

Mode of Payment

Crop name

Area (acre)

Sum insured

Amt. of permium of the insurance (Rs)

Mode of Payment

Crop name

Area (acre)

Sum insured

Amt. of permium of the insurance (Rs)

Mode of Payment

Crop name

Area (acre)

Sum insured

Amt. of permium of the insurance (Rs)

Mode of Payment

Crop name

Area (acre)

Sum insured

Amt. of permium of the insurance (Rs)

Mode of Payment

Crop name

Area (acre)

Sum insured

Amt. of permium of the insurance (Rs)

Mode of Payment

Crop name

Area (acre)

Sum insured

Amt. of permium of the insurance (Rs)

Mode of Payment

Please specify the type of insurance

Crop name

Area (acre)

Sum insured

Amt. of permium of the insurance (Rs)

Mode of Payment

Have you heard of Pradhan Mantri Fasal Bima Yojana (PMFBY)?

Did you ever previously avail of any agricultural insurance scheme such as Rashtriya Krishi Bima Yojana?

Have insured crop under PMFBY?

If yes, are you insured because you applied for farm loans from bank?

If yes, would you still opt for insurance even if it were optional?

If yes, are you insured because you availed of PMFBY cover on your own?

If yes, how did you know about PMFBY scheme? Government awareness programs, Insurance Company/Agent, Panchayat , Other villagers, If others, specify.

Name of the crop insured

Name of Implementing Agency (For loanee farmers – ask for bank name ; For non-loanee farmers – ask for name of insurance company)

Premium (For loanee farmers – ask for premium deducted from bank loan; For non-loanee farmers – ask for what they paid to avail of insurance in Rs)

Event of losses (1 – prevented sowing/planting due to deficit rainfall or adverse weather, 2 – yield loss [due to drought, dry spells, floods, pests and diseases etc., 3 – post harvest losses [spoilage during storage], 4 – localized calamities such as cyclones, landslides etc.)

Total losses (Rs)

Compensation secured (Rs)

Name of the crop insured

Name of Implementing Agency (For loanee farmers – ask for bank name ; For non-loanee farmers – ask for name of insurance company)

Premium (For loanee farmers – ask for premium deducted from bank loan; For non-loanee farmers – ask for what they paid to avail of insurance in Rs)

Event of losses (1 – prevented sowing/planting due to deficit rainfall or adverse weather, 2 – yield loss [due to drought, dry spells, floods, pests and diseases etc., 3 – post harvest losses [spoilage during storage], 4 – localized calamities such as cyclones, landslides etc.)

Total losses (Rs)

Compensation secured (Rs)

Overall, the experience with PMFBY is

In the 'Event of loss' did you inform the authority ?

if yes, whom did you inform ?

Within how many days of the ‘event of loss’ did you inform them:

Did anyone visit your farm for a yield assessment or a crop cutting experiment (CCE)?

Has your village panchayat played any role in your insurance or claim process?

If yes, what has been the role of your village panchayat?

Are you satisfied with the implementation of PMFBY

If no, what are your suggestions to improve the scheme (PMFBY):

(For Non-Beneficiary Farmers) Have you heard of Pradhan Mantri Fasal Bima Yojana (PMFBY):

If yes, who informed you?

Why have you not opted for the scheme?

Overall performance of Scheme

Performance on economic benefits/profits

Will you adapt/ continue to use scheme

Any recommendations regarding the improvement of scheme