Credit is required by farmers for purchase of seeds, agricultural machinery, land and other requirements. To avoid getting into the clutches of moneylenders, it is better to avail the facilities of credit through government sponsored schemes.
Details about loan for purchase of land for agriculture are available here. You can find further details of different types of loans available from various nationalised banks specially meant for farmers and rural dwellers can be found here External website that opens in a new window. Kisan Credit Card Scheme is another initiative to provide credit to farmers for their short term needs.
Details about this scheme can be seen here External website that opens in a new window. Disasters, unexpected calamities and accidents can occur at any time, leading to disruption of a person's life and means of livelihood. People in rural areas are particularly susceptible to such disruptions and therefore the government has come out with special schemes to insure them against such eventualities.
These schemes are specifically tailored keeping their requirements in mind. The Department of Post External website that opens in a new window has five life insurance schemes which are specially catering to people in rural areas. These cover a wide range of insurance requirements.
These schemes are A Central Sector Scheme namely, National Agricultural Insurance Scheme File referring to external site opens in a new window NAIS is being implemented as a part of risk management in agriculture to provide financial support to the farmers in the event of failure of crops as a result of natural calamities, pests and diseases. The scheme is available to all farmers irrespective of their size of holding. The premium rates are between 1. You can find details of more crops and livestock related insurance schemes here External website that opens in a new window.
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Short and Long Essay on Life in Indian Village in English
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India is a land of farmers. It is called so because majority of Indians are directly or indirectly involved in agricultural activities. It would not be wrong to say that farmers are the backbone of our economy. In the following essays I have tried to discuss the problems being faced by the Indian farmers and have also given my opinion on it.
Hope you will find my essays helpful. Indian farmers are the backbone of the Indian economy but everything is not going right for them.
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Their life is getting more and more difficult day by day. The answer to the questions is not straightforward. In the following Indian Farmer essay I have tried to touch all the issues which the farmers of our country are facing currently. Hope you will appreciate my efforts for essay on Indian Farmer.
Rural livelihood Essay Example
Farmers are a respected lot and farming is considered a noble profession in our country. According to this logic, farmers in India should be a happy and prosperous lot but the irony is that the reality is exactly opposite to it. According to a government data, around two and a half thousand farmers leave farming and migrate to cities daily in search of livelihood. I used to think that when the prices of commodities go up, the farmer benefits but the reality is that most of the money is grabbed by the middle men.
So, the farmer is always a looser. When there is a bumper crop, the price of the products fall and at many times he has to sell his produce at a throwaway price to the government or to the middlemen and when there is drought or flood, then we all know what happens to the poor farmer. The condition of the farmers is getting from bad to worse.
If something is not done urgently, there will be nothing left to save. I think the farmer plays the same role for our country as the backbone plays for the human body.
The problem is that this backbone our farmer is suffering from many problems. Despite all the hardships which they face, they continue to play an important role. Some of them are discussed below. Before late s India was not able to produce sufficient food grains to meet its requirements. In other words, India was not self-sufficient in terms of food grains.
We used to import large quantities of food grains from abroad mainly from USA. It went good for some time but afterwards the USA started blackmailing us on trade. They even threatened to stop the supply of food grains totally. India has never looked back since then. Our farmers have never let us down, even though they are facing many problems.
They have been able to meet the demand of the growing population. Even after that they continue to live a life of poverty. There are many reasons for it. If we are able to overcome various obstacles, then there is a good chance that this percentage will improve. Farmers do not depend on any other source for employment.
They are self employed and also create employment for others. We have come a long way since Independence but still a lot has to be done. I am sure, if we work sincerely, we would be able to overcome the problems which we are facing today and God willing our villages will become as beautiful and prosperous as they are shown in Bollywood movies.
Persons like me, who have lived in cities for the whole of their lives, have a very wrong idea about village life. They believe what is shown in Bollywood movies. I was no different. I also thought that in villages, women move around in their designer lehengas. They go to the well for fetching water and move here and there happily. On this my dad laughed loudly and suggested me to visit our ancestral village which is in Lucknow.
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Last time when I went to our village, I was 4 years old. I remembered very few details from my last visit or better to say I had no idea what a village looked like. I was really very excited. At the railway station we were greeted by our relative my cousin brother who had come to receive us. On this, he showed his bullock cart. On reaching home firstly, I decided to answer my natures call. On this I was took to an open field.
I was told that there is no toilet in the village and all the villagers including women have to go in the open field. After that I decided to have a look around. I found broken houses made with mud and bamboo with men and women in old and torn clothes definitely not designer , working very hard in fields to get their ends meet. An used plow and a pair of feeble bullock stands in every house as a testimony to the strenuous life of the occupants. Maximum houses had no electricity connection and even those houses which had electricity connection used oil lamps because electricity was rare.
Nobody had a gas connection, so food was cooked on wooden or coal fire which generated smoke and that caused various lung diseases. I found an old woman coughing. On hearing this I really got emotional. The plight of the Indian farmers is unimaginable as they work tirelessly throughout the year in the absence of basic necessities.
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