Crop-Credit Insurance Some Disturbing Features

K Seeta Prabhu Saroja Ramackandran The new Comprehensive Crop Insurance Scheme introduced in the country in 1985 is based on the area approach and covers five crops, rice, wheat, millets, oilseeds and pulses. It is restricted to borrowers of crop loans from co-operative credit societies, commercial banks and Regional Rural Banks. The article analyses the implications of the linkages of the new Scheme with the institutional credit system for agriculture and highlights the implications of the uniform and low rates of premia being charged under the Scheme.