More than 35% of farmers in Bareilly district have taken a loan under Kisan Credit Card (KCC) for cultivating sugarcane but have sown paddy or wheat instead. Agriculture officials said as there is no provision of filling separate forms under Pradhan Mantri Fasal Bima Yojana, if any calamity happens and affects the crops, these farmers will not get any cover under the insurance scheme. In Bareilly district, there are more than four lakh farmers and as many as 68,000 of them are covered under the crop insurance scheme. Officials at the agriculture department said over 35% of these farmers have taken a loan under KCC for cultivating sugarcane but have sown paddy or wheat. "As farmers get a loan of Rs 1 lakh per hectare for sugarcane, most of them took a loan for it. Rs 50,000 per hectare loan is available for paddy and wheat. After taking a loan under KCC for sugarcane, many farmers later shifted to wheat and paddy for their convenience. The farmers have sown wheat or paddy in their fields," said a senior official at the agriculture department. He added, "The premium is automatically deducted for insurance scheme for farmers having KCC. However, there is no provision under Pradhan Mantri Fasal Bima Yojana for farmers to inform about the crop they have sown. The bank maintains the record through KCC. However, if the crop is exposed to incessant rain, flood or drought condition, such farmers will not be liable for insurance despite paying premium for sugarcane because they have sown another crop." Source - http://timesofindia.indiatimes.com