Sarkari Yojana

Integrated Scheme for Export Promotion & Quality Improvement in Spices and Research and Development of Cardamom: New Subcomponents:Weather Based Insurance Scheme for small cardamom

Quick Summary: This pilot insurance scheme in Idukki, Kerala protects small cardamom growers against adverse weather like excess rain or heat. The premium is shared 75% by the Centre, 15% by the State, and 10% by the beneficiary, with claims settled directly between the insurer and the farmer.

About Integrated Scheme for Export Promotion & Quality Improvement in Spices and Research and Development of Cardamom: New Subcomponents:Weather Based Insurance Scheme for small cardamom

The Weather-Based Insurance Scheme for Small Cardamom, run by the Spices Board under the Ministry of Commerce and Industry, Government of India, is a subcomponent of the Integrated Scheme for Export Promotion & Quality Improvement in Spices and Research and Development of Cardamom. It shields small cardamom growers from adverse weather — deficient or excess rainfall, high temperatures, and swings in relative humidity — that can hurt crop output. The scheme follows the modalities and guidelines cleared by the Competent Authority under the Integrated Scheme for Export Promotion & Quality Improvement in Spices and Research and Development of Cardamom during the 15th Finance Commission period (2021–22 to 2025–26).

Scheme Overview

Government Level

Central Government

Ministry

Ministry Of Commerce And Industry

Eligible Entity

Individual

Scheme Details

Eligibility

Eligibility Requirements

To qualify for Integrated Scheme for Export Promotion & Quality Improvement in Spices and Research and Development of Cardamom: New Subcomponents:Weather Based Insurance Scheme for small cardamom, applicants must satisfy the following conditions:

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Currently rolled out on a pilot basis in…

Currently rolled out on a pilot basis in Idukki district, Kerala.

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If the State Government doesn't share the 10%…

If the State Government doesn't share the 10% premium, beneficiaries must cover the gap, raising their own share to 25%. Both the Board and beneficiary farmers pay their premium share directly to the Insurance Company.

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The Insurance Company provides the term sheet at…

The Insurance Company provides the term sheet at the time of application. Claims are settled directly between the Insurance Company and the beneficiary, with the Spices Board not directly involved in such matters.

Applicants must meet all of the above conditions to be considered eligible for this scheme.
Benefits

Benefits Provided

Integrated Scheme for Export Promotion & Quality Improvement in Spices and Research and Development of Cardamom: New Subcomponents:Weather Based Insurance Scheme for small cardamom provides the following benefits to eligible applicants:

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The premium is split 75% by GoI,…

The premium is split 75% by GoI, 15% by the State Government, and 10% by the beneficiary. The Board's share works out to ₹16,040/Ha (including GST). Registered cardamom growers with 0.10 Ha to 8 Ha of land qualify, and a beneficiary can claim assistance for only 3 consecutive years within the five-year block from 2021-26.

Benefit amounts and conditions may vary by category — refer to the official scheme guidelines for exact figures applicable to your case.
Documents Required

Documents Required

Applicants should keep the following documents ready before starting the application:

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A patta or similar record proving that the…

A patta or similar record proving that the grower owns or legally holds the land

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Receipt showing land tax paid for the current…

Receipt showing land tax paid for the current year

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The CR/ACR document

The CR/ACR document

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Aadhaar card of the applicant

Aadhaar card of the applicant

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Photocopy of the bank passbook

Photocopy of the bank passbook

Ensure all documents are valid and, where required, duly attested before submitting your application.

How to Apply

Online Application

Applicants can apply for Integrated Scheme for Export Promotion & Quality Improvement in Spices and Research and Development of Cardamom: New Subcomponents:Weather Based Insurance Scheme for small cardamom through the online application process outlined below.

Registration

1️⃣

Head to the ServicesPlus website

Head to the ServicesPlus website.

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Select “Register” from the homepage

Select “Register” from the homepage.

3️⃣

Provide your Full Name, Email ID, Mobile Number,…

Provide your Full Name, Email ID, Mobile Number, Password, State, and Captcha to complete the registration form.

4️⃣

Double-check the details, then submit the form

Double-check the details, then submit the form.

5️⃣

You will get an OTP by mobile or…

You will get an OTP by mobile or email — enter it and hit “Verify.”

6️⃣

Registration finishes successfully, with a confirmation shown on…

Registration finishes successfully, with a confirmation shown on screen or emailed to you. Login

1️⃣

On the ServicesPlus website, select “Login.”

On the ServicesPlus website, select “Login.”

2️⃣

Key in your Email ID, Password, and Captcha

Key in your Email ID, Password, and Captcha.

3️⃣

Choose the relevant service/scheme name from the list

Choose the relevant service/scheme name from the list.

4️⃣

Fill out the necessary fields in the application…

Fill out the necessary fields in the application form.

5️⃣

Submit the application

Submit the application.

Ensure all required documents are ready before starting the application process.

Official Application & Website

Verify the latest eligibility, dates and instructions before applying.

Official Sources & References