Schemes of Coconut Development Board
Production and Distribution of Planting Material
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The objective of the programme is to enhance the production and supply of good quality
planting materials through following component programmes. i. Establishment of Demonstration
cum Seed Production (DSP) Farms in different parts of the country for creating
infrastructure facilities for production of quality planting materials besides demonstrating
and educating the scientific coconut cultivation and processing to various stake
holders in those regions. The Board has established 11 DSP Farms in the States of
Kerala, Karnataka, Tamil Nadu, Andhra Pradesh, Maharashtra, Bihar, Assam, Chhattisgarh,
Odisha, Tripura and West Bengal. ii. Establishment of Regional Coconut Nurseries
Extending support to the participating States for strengthening the seedling
production programme of the concerned States by establishing Regional Coconut Nurseries
by way of extending financial assistance on 50:50 basis @ Rs.32/-per seedling. iii.
Establishment of Nucleus Coconut Seed Garden: The scheme is implemented
on project basis to establish nucleus seed garden of selected cultivars in the private
sector and Govt./Quasi Govt. to meet the future demand of quality coconut seedlings.
Assistance is provided for establishing the seed gardens @ 25% of the total expenditure
incurred limited to a maximum of Rs. 6 lakh over a period of 3 years, on a project
basis in a maximum area of maximum 4 ha. iv. Establishment of Small Coconut Nurseries:
The scheme is implemented on project basis to encourage private sector and other
agencies in seedlings production by providing financial assistance for establishing
coconut nurseries. Financial assistance is 25% of the cost limited to Rs.2.00 lakh
per unit of 0.4 ha (100% of the cost of seed nut and transport, maintenance of the
nursery, other infrastructure facilities etc.). Minimum eligible subsidy is Rs.50,000/-
over a period of two years for a unit to produce at least 6250 certified coconut
seedlings annually. However, the area requirements and production capacity in respect
of North and northeastern region is 12.5 cents for production of 3125 seedlings
with an eligible financial assistance of Rs. 25000/-.
Expansion of Area under Coconut Back to Top
The objective of the programme is to extend adequate technical and financial support
to the farmers to take up coconut cultivation on scientific lines in potential areas
to attain a significant achievement in the future production potential. As per the
revised guidelines of MIDH, differential financial assistance followed. In Normal
area, subsidy will be Rs.6500/-, Rs.6750/- and Rs.7500/- per ha for Tall, Hybrid
and Dwarf respectively over a period of 2 years. In Hilly and scheduled areas, subsidy
will be Rs.13750/-, Rs.13750/- and Rs.15000/- per ha for Tall, Hybrid and Dwarf
respectively over a period of 2 years.
Integrated Farming for Productivity Improvement
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The objective of the programme is to improve production and productivity of the
coconut holdings through an integrated approach and thereby increasing the net income
from unit holdings with the following component programmes.
i. Laying out of Demonstration Plots
Financial assistance of Rs.35,000/- per hectare in two annual installments is provided
for adoption of integrated management practices in coconut gardens. The objective
of the programme is to encourage the farmers to adopt the technology developed for
the management of coconut gardens. The Demonstration Plots will also help motivate
farmers in adoption of result oriented production technologies.
ii. Assistance for Organic Manure Units:
The objective of the programme is to promote the use of organic manure like vermicompost,
coir pith compost etc in coconut holdings. Maximum assistance is Rs.60,000/- towards
100% of the cost for units of size 1200 cubic ft (dimension 60ft x 8ft x 2.5 ft
or two units of 30 ft x 8ft x 2.5ft ) with production capacity of 50 tons per year
in 4 cycles and of permanent structure and to be administered on pro-rata basis.
Smaller units are also promoted and the minimum volume shall be 150 cubic feet (dimension
15ft x 5ft x 2 ft) with production capacity of 10 tons/ year in 4 cycles and financial
assistance may be reduced accordingly. Coir pith compost units with Concrete floor
of size 5m x 3m (40 units) with a capacity to produce 80 tons/ year are also eligible
for subsidy under this scheme. Financial assistance is also extended to smaller
units with minimum size of 5m x 3m (5 units) with a capacity of 10 tons/ year. Roof
of convenient sizes also required for organic manure units.
Download application form for Laying out of demonstration plots (LoDP)
List of Coconut Clusters and contact addresses Assistance for organic manure
Technology Demonstration Back to Top
The CDB Institute of Technology (CIT), Technology Development Centre and Quality
Testing Laboratory located at Aluva, Ernakulam in Kerala is engaged in the development
and demonstration of technologies for product diversification and by-product utilization
of coconut. Training is being given to interested entrepreneurs and self help groups
for acquiring technologies on post harvest coconut processing and process demonstration.
A full-fledged NABL accredited Quality Testing Laboratory (QTL) is operating at
the Institute for chemical and microbial analysis of coconut based products. The
laboratory is equipped with advanced analytical instruments and modern facilities
as per NABL requirements to carry out chemical/ microbiological tests of coconut
based products. The CIT impart trainings on Coconut Convenience Foods like Coconut
chips, Chocolate, Cookies, Lemonade (squash), Pickle, Coconut chips, Chocolate,
Cookies, Lemonade, Pickle, Chutney Powder, Burfi, Coconut balls, Coconut candy,
Coconut Jelly, Coconut Vinegar from coconut water by slow process/ Nata de coco,
Minimally Processed Tender Coconut, Neera Value added products, Training on Chemical
analysis, Training on Microbiological analysis and Entrepreneurship Development
Programme (Newly introduced). The venue for the trainings is at CDB Institute Of
Technology (CIT), Coconut Development Board, Keenpuram, South Vazhakulam, Aluva-683
105 Kerala. Tel: 0484-2679680 (10 km from Aluva (Aluva - Perumbavoor private bus
Marketing, market Intelligent services, Statistics and Strengthening of Export Promotion
Council Back to Top
The Board undertakes market promotion activities for the development of the coconut
sector in the country and the industry as mandated by the Coconut Development Board
Act. The major activities comprise of Market Promotion, Market Intelligence, Market
Research, Market Development, formation of Coconut Producer Societies (CPSs), Federation
of Coconut Producers’ Societies (CPFs), Coconut Producer Companies, and performing
the responsibilities of Export Promotion Council and other enabling policies. 25
% financial assistance to a maximum of Rs. 1.50 lakh is extended for setting up
of sales outlets/ kiosks for value added coconut products. Collection, classification,
compilation, analysis and interpretation of primary as well as secondary data pertaining
to area and production of coconut, market price, weather, import and export of coconut
products, etc. and dissemination of information to farmer community through print
media, etc. are also being undertaken regularly as part of Statistics related to
The Department of Commerce, Ministry of Commerce and Industry, Government of India
has notified Coconut Development Board as an Export Promotion Council (EPC) for
all coconut products other than those made from coconut husk and fiber vide Public
Notice No.169(RE-2008)/2004-2009 New Delhi dated the 1st April 2009. A sizeable
quantity of coconut and coconut products are exported from the country with registration
from various Export Promotion Councils. In pursuance of the above notification,
coconut products such as tender coconuts, tender coconut water, packed tender coconut
water, nata-de-coco, coconut water based vinegar, coconut water based soft drinks/beverages,
raw coconuts, partially dehusked coconuts, desiccated coconut powder, skimmed milk
powder, coconut milk/ cream, coconut oil, dry coconuts, ball copra, cut copra, coconut
flakes, coconut chips, coconut gratings, coconut parings, coconut chutney powder,
medicated coconut oil, coconut oil based hair/massage oils, virgin coconut oil,
coconut based convenience foods, coconut shell, coconut shell powder, coconut shell
charcoal, coconut shell based activated carbon, handicrafts made out of coconut
shell and parts of coconut tree, which has now been notified as an Export Promotion
Council. As RCMC from the Export Promotion Council concerned is mandatory for exports,
to enable exporters to avail the various benefits under the Foreign Trade Policy
and duty neutralization schemes of the Department of Revenue, it is requested that
exporters/ prospective exporters of coconut products (other than those made from
coconut husk and fiber) get registered with the Coconut Development Board immediately.
coconut wood furniture etc. fall within the jurisdiction of the Coconut Development
Operational Guidelines for the Market Promotion Programmes (2019-20)
1. Infrastructure support for establishment of procurement centres by FPOs
a. Eligibility for financial assistance for establishment of procurement centres
1. The FPO should be at least one year old.
2. The FPO should be registered with the Board
3. The FPO should have filed their returns for the previous financial year
4. The FPO should have undertaken at least three of the following group activities
like coconut procurement and supply, coconut husk procurement and supply, copra
production, organic manure/fertilizer arrangements for member farmers, seedling
production, initiation of retail outlets or coconut kiosks etc
b. Procedure for submission of proposal for assistance :
1. The proposal for initiation of procurement centres should be submitted 30 days
before the planned date of initiation of procurement.
2. The FPO should attach copies of documents - registration with CDB, copy of returns
filed, details of group activities undertaken with volumes and values etc.
3. Assistance would be provided for the establishment of necessary infrastructure
for procurement as reimbursement only c. Financial assistance proposed under the
scheme : CDB will extend assistance as reimbursement of expenses for the establishment
of infrastructure for undertaking procurement of produce.
Construction of semi permanent/permanent shed/godown space for temporary storage
of produce (attach lease agreement of land)
Reimbursement of 50% of the expenditure incurred subject to a maximum of Rs.3.00
Minimum Office furniture of one office table and two chairs
Books of accounts – cash book, purchase and sales register, Farmer ledger and trader
Iron mesh baskets
Trolleys for carrying coconuts
Other post harvest handling equipments for coconut
The attested copy of the title deed of the land should be submitted along with the
proposal if the land is owned by the FPO. In case of leased land, the attested copy
of the lease agreement between the FPO and the owner of the land should be submitted.
The lease agreement should include the clause : “The FPO is permitted to undertake
construction of semi permanent/permanent shed/godown space in the leased premise
for procurement and marketing of coconut/shell/husk/any other by-product of coconut”.
The lease period of land should be for a minimum of five years"
d. Procedure for submission of claim :
i. After establishment of the procurement centre and initiation of procurement,
the claim for reimbursement of expenses should be submitted within 30 days.
ii. All supporting documents of items of expenditure should be certified by the
Chairman/President of the FPO and submitted.
(Download Application format for Procurement Centre )
2. Infrastructure support for setting up of sales outlets or kiosks for value added
The scheme envisages to extend support for establishment of Coconut kiosks/outlets
for selling all kinds of quality products made from Coconut. The support will be
provided to Manufacturers of branded value added coconut products and Farmer Producer
Organisations (FPOs) registered with CDB, on project basis. The manufacturers/FPOs
will have to submit a Detailed Project Report which explains about the location
of the kiosk, the space and structure of the outlet, the source of coconut products,
the mode of operating and monitoring the outlet, the expected daily sales and the
economic viability of project.
The provisions under the scheme
are as follows:
1) On approval of project, the applicant has to undertake the activities proposed
and submit the completion report along with original bills and vouchers.
2) The Board will provide reimbursement of 50% of cost incurred on infrastructure,
purchase of furniture, cupboards, racks, signage, refrigerator, electrical installation
etc limited to a maximum of Rs 3.00 lakhs.
3) The applicant has to submit the claim after the project is implemented. CDB will
conduct inspection prior to the fund release, in order to assess whether the project
is implemented as explained in Detailed Project Report.
4) All assistance will be provided to manufacturer/FPO on reimbursement basis, only
after submission of bills and vouchers (including TAN/PAN numbers).
Coconut kiosk/coconut point should have the following parameters:
i. Nature of possession of Coconut kiosk/outlet should be:
a. Owned by the applicant, or
b. On rent or lease for a period of at least 3 years
ii. The Coconut kiosk/outlet should have a minimum area of 100 square feet
iii. It should be a permanent or semi-permanent structure
iv. It should have a permanent/semi-permanent sign board (made of wood or metal)
which is properly visible to the public
v. Different products of coconut should be made available at the kiosks viz Virgin
Coconut Oil, Desiccated Coconut, Coconut chips, Coconut milk, Tender coconut water,
Coconut oil, Neera and its value added products, Coconut wood based and Coconut
shell based products
vi. Posters of coconut products available for sale should be displayed vii. Provision
should be made for proper display of products
viii. It should display the list of products along with their price
ix. Proper accounts and bills should be maintained on day to day transactions and
should be made available to CDB officials during their visit at any time.
format for Sales outlet)
3. Assistance for Quality Certification
The rapid growth in global coconut trade and the increasing demand for coconut products
makes it all the more crucial to establish a quality system of production. The importance
of standards in trade is fast becoming critical for the domestic as well as international
trade. Adherence to specific standards increases the market value of the product.
Quality of coconut products and packaging assumes a strong role in promoting market
development of the product. The selection decision of the buyers and consumers is
very much influenced by the quality certifications possessed by the product.
There are many types of quality certifications in place for the processing of quality
products which include systems on quality, environment management, occupational
health and safety management, food safety management, energy management etc. The
scheme is proposed to encourage entrepreneurs and processors to undertake quality
certification of the process/product to facilitate better market development. These
include ISO 9001 (Quality Management System), ISO 14001 (Environmental Management
System), OHSAS (Operational Health safety), ISO 22000 and FSSC 22000 (Food safety),
HACCP (Hazard Analysis at Critical Control Points), ISO 27001 (Information Security
Management), ISO 28000 (Supply Chain Management) etc and other certifications like
Fair Trade, Good Manufacturing Practices, Good Hygienic Practices etc. Government
of India is also actively promoting quality certification and Quality Council of
India had launched two new schemes for Indian food chain related industry namely
IndiaGHP and IndiaHACCP certification schemes based on globally accepted Codex standards.
These schemes will also help India food chain related industry to demonstrate compliance
to global standards without having to go for costly and time consuming foreign certifications
as many countries have mandated HACCP for high risk sectors and most developed countries
have mandated Good Hygienic Practices (GHP) across all food sectors. FSSAI is also
encouraging the food industry to aim for India HACCP standard though it mandated
hygienic and sanitary practices through its licensing regulations.
Proposed scheme :
The scheme is proposed to promote quality certification and implementation of food
safety management systems in harmonization with international standards.
• Interested entrepreneurs or manufacturer exporters have to submit proposal for
• The proposal should include detailed component wise fee structure for implementation
of quality systems and in house quality control lab equipments.
• The certification should be undertaken through recognized agencies accredited
by National Accreditation Board for Certification Bodies
• The applications will be scrutinized by an in-house Screening Committee.
• Financial assistance proposed is reimbursement of 50% of the costs for certification
and in-house quality control equipments subject to a maximum of Rs.5 lakhs.
• Assistance will be given for expenses related to the certification process, implementation
of the quality system, application fee, product testing fee to the relevant standards,
inspection charges, advance licence fee, surveillance charges, installation of in-house
quality control lab equipment etc.
• Applicants should submit certificate from Government empanelled agencies in respect
of proof of expenditure incurred for acquiring the certification along with the
• Assistance for Kosher, Halal or any other religious certification is not eligible.
• Civil work, AC, refrigerator, computer, glass ware, chemicals, consumables etc
are not eligible for assistance. Quality assurance is a crucial factor that has
to be ensured for coconut products in order to develop and sustain the domestic
and export market demand. With a surge in the coconut industry world-wide, it is
high time that our processors /exporters are equipped to come up with high quality
products using state of the Art Technology.
format for Quality Certification)
4. Assistance to exporters for participation in international exhibitions /trade
fairs/buyer seller meets.
The objective of this scheme is to support exporters to develop market for their
coconut products globally by creating opportunities for participating in international
events where there is potential for market development and market promotion of their
a. Eligibility for financial assistance for participation in international trade
fairs/expos/market promotional events/buyer seller meets.
1.The firm should have a valid RCMC issued by CDB.
b. Procedure for submission of proposal for assistance :
2.The firm should not be under investigation/charged/prosecuted/debarred/ blacklisted
under the Foreign Trade Policy of India or any other law relating to export and
3.The exporter should not have availed any financial assistance under any scheme
from the Government of India or State Governments for participation in the same
4.The firm should have completed one year of membership with CDB as exporter.
5.Assistance shall be permissible to only one person (regular employee/director/
partner/proprietor) representing the company. Assistance would not be available
to exporters of foreign nationality or holding foreign passport.
6.A firm will be extended assistance for participation in a maximum of two events
in a year.
1.The proposal for participation in the exhibition should be submitted 60 days before
the start of the event
2.The applicant should attach copies of documents - RCMC, statement of export details
during past three years, passport copy of delegate attending the event.
c. Financial assistance proposed under the scheme :
CDB will extend assistance for the following expenses subject to the specified conditions
50% of the cost subject to a maximum of Rs.50,000/-
50% of the space rent across all categories subject to a maximum of Rs.75,000/-
. The space rent will subject to maximum booth/stall size of 9 Sq. Mtrs. or minimum
booth/stall size provided by concerned Indian trade bodies (eg. ITPO, FIEO etc)
or the Fair Organiser.
50% of the actual economy class air fare across all categories limited to Rs.75,000/-
(for one representative from each participating enterprise)
Printing of publicity materials
50% of the cost subject to maximum of Rs.25,000/-
e. Procedure for submission of claim :
1. After participation in the event, the claim for reimbursement should be submitted
within 30 days of completion of the event.
All supporting documents of items of expenditure on travel, accommodation and space
rent should be submitted.
2. A report of the participation in the event with details of market access obtained,
enquiries received and markets identified should be submitted along with photos
3.The filled in evaluation format should also be submitted.
format for Assistane to Exporters
Download List of Foreign Exhibitions / fairs
approved for participation by the Board/exporters
5. Brand Building support
Branding building is critical to the success of any business. Brand building is
the process of generating awareness and promotion of the services of a company through
direct advertising campaigns or through sponsorship. Brand building strategies bring
consumers closer to the brand and provide value for them so that they can know,
feel and experience the brand.
Manufacturing organizations eligible under the scheme can be government organizations,
autonomous organizations, Cooperatives, Coconut Producer Companies, Proprietorship,
Partnership firm, Private limited company etc.
Financial assistance for market promotion activities shall be limited to those products
/ firms which conform to relevant national and international quality standards viz.
BIS/AGMARK/HACCP/ISO etc (whichever is applicable). Only those coconut products
with approved quality standards and shelf life are eligible for assistance under
QUANTUM OF ASSISTANCE
(i) For Government/Co-Operative Institutions The assistance is limited to a maximum
amount of Rs.25.00 lakh or 100% of the project cost whichever is less.
(ii) For Other Companies/Organizations
The assistance is limited to a maximum amount of Rs.7.50 lakh or 50% of the project
cost whichever is less. Assistance under the scheme will be extended as reimbursement
of expenditure incurred for eligible brand building activities.
Brand publicity through Digital Marketing
Under this component, activities taken up by the manufacturing units to promote
the products through electronic media are supported. The components under this head
• Website Development
• Bar Coding
• Online Advertising
• QR Code Marketing
• Search Engine Optimization
• Emails/ SMS/Social Media Marketing
Brand publicity through mass media
Under this component, activities taken up by the manufacturing units to promote
the products through mass media are supported. The components under this head include
• Print media like newspapers, magazines, journals etc.
• Television Advertising
• Radio Advertising
• Railway Announcement.
Assistance for printing publicity materials
Under this component, market promotional activities taken up by manufacturers through
printing publicity materials will be supported. The elements eligible include
• Posters, Newspaper insertions, magazine pull-outs etc.
• Products demo/Display
• Other P-O-P materials(Danglers, display materials) Assistance for outdoor advertising
Under this assistance will be provided to the following components
• Billboards • Bus/Tram Panel ads
• Moving hoardings
format for Brand Building Support
1. The applicant should submit application to the board for availing the assistance
2. As far as possible assistance shall be extended to manufactures.
3. Assistance should be made on reimbursement basis only and that too after verifying
the bills / Vouchers submitted in support of the claim. The GST Number of the firm
and PAN Number of the agency through which the marketing activity is undertaken
shall be shown in their Bills.
4. Only branded and quality certified products come under the purview of the promotional
5. Affidavit from the manufacturer that they own the brand and the responsibility
of the brand lie with the manufacturer.
6. The decision on eligibility of the applicant by the board will be final.
7. The Board reserves all right to make changes in the proposed scheme if needed
without any prior notice.
DOCUMENTS TO BE SUBMITTED
Applicants should submit following documents along with the application to CDB
1. Attested copy of Certificate of incorporation/registration of the organization,
Memorandum and Articles of Association, partnership deed etc.
2. Attested copy of quality certificates if any of relevance like BIS/AGMARK/HACCP/ISO
3. Applicants have to submit all relevant proof of documents such as bills with
GST number , photographs, copy of the publicity materials etc. for which the assistance
4. Affidavit showing that the manufacturer own the brand and the responsibility
of the brand lie with the manufacturer and have not availed any other assistance
for the same purpose from any other organization.
5. All claims need to be duly substantiated by proof of payment against invoices.
In the event of any false claims being lodged, Board reserves the right to claim
refund of the amount granted to the applicant with applicable interest.
Manufacture of quality coconut products through development of skilled labour:
The scheme is proposed to develop a skilled task force for processing of coconut
products. Preference will be extended to skill development in the North East followed
by placement in suitable processing units. The program is proposed to be carried
out in association with coconut processing units set up with the financial assistance
of the Board under the scheme “Technology Mission on Coconut” A batch of 10 trainees
are proposed to be trained in a processing unit. However one more batch may be considered
depending on the capacity of absorption of trained manpower in the unit. The estimated
cost per batch is as follows:
format for Skilled Labour
Unit cost (Rs.)
Total cost (Rs.)
Food and Accommodation for 10 trainees
Honorarium for one Master Trainer
On the job training stipend for the trainees
Consumables, course materials, pre and post evaluation skill test etc
Other miscellaneous expenses and contingencies
TOTAL COST FOR ONE TRAINING
Information and Information Technology Back
The Board has several programmes under information technology and HRD with a view
to disseminate information on various aspects of coconut cultivation and industry
through various media, publication etc besides organizing training programmes to
impart skills and knowledge to farmers, unemployed youths and rural women in various
fields related to coconut including Neera tapping. For recognizing outstanding performance
in coconut sector a scheme of National Awards also being implemented biannually.
Production of publications, undertaking multimedia product promotional campaigns,
participation in exhibitions and fairs, management of MIS in the organization etc;
are the major activities undertaken under the scheme. To create awareness about
the activities of the Board and health aspects of coconuts and coconut products,
Board participates in exhibitions, seminars etc.
Coconut Palm Insurance Scheme Back to Top
The Coconut Palm Insurance Scheme intends to provide Insurance coverage to coconut
crop. Under the scheme all healthy yielding palms in the age group from 4 years
to 60 years are eligible to get insurance coverage against natural perils leading
to death / loss of palm becoming unproductive. The scheme is being implemented in
association with the Agriculture Insurance Company Limited (AIC) and the Departments
of Agriculture/ Horticulture of the State Governments concerned. 50% of the premium
is borne by the Board and balance is shared between the concerned State Govt. and
Farmers @ 25% each. The premium for the category of palms belonging to the age group
of 4-15 is Rs.9/- per palm and that for 16-60 year age group is Rs.14/- per palm.
The insured amount for the corresponding categories is Rs.900/- per palm and Rs.1750/-
per palm, respectively. The scheme is implemented in selected districts of all coconut
Coconut cultivation subjected to risks from climatic changes, natural disasters,
pests, diseases etc. and, at times, entire coconut cultivation of a region, gets
wiped out due to natural calamity or onset of pest attack. Coconut is a perennial
crop and losses suffered by farmers due to damage of this crop, are material and
needs to be addressed.
Coconut palms are perennial crops, but palm trees are characterized by periodic
system of crop setting and outcomes and hence resemble seasonal annual crops and
should, accordingly, eligible for insurance cover. Since coconut is cultivated under
rain-fed management and is susceptible to biotic and a-biotic stresses, it is necessary
to minimize risk faced by coconut farmers, predominantly small and marginal, by
covering coconut palms with an insurance scheme.
i) Assist coconut growers in insuring coconut palms, against natural and other perils.
ii) Provide timely relief to farmers, who suffer income loss due to sudden death
iii) Minimize risk and encourage replanting and rejuvenation to make coconut farming
The CPIS will be applicable to all healthy nut bearing coconut palms; grown as mono
or intercropped; on bunds farms or homestead and to all varieties of coconut, including
Tall, Dwarf and Hybrids. Since Dwarf and Hybrids begin to yield fruit from 4th year
of planting, this variety of coconut palms in age range of 4-60 year will be covered
under the scheme, but Tall variety coconut palms will be eligible for coverage for
age range of 7-60 year. Unhealthy and senile palms will be excluded from coverage.
4. Eligibility criteria:
As per the Scheme, individual farmer / grower offering at least 5 healthy nut bearing
palms for insurance in specified age group, (4-60 years for dwarf, hybrid and 7-60
years for tall) contiguous area / plot will be eligible for insurance.
5. Scope of cover:
The scheme will cover all healthy palms within insurable age group in areas / districts
selected for implementation of the scheme. Partial insurance of plantation in contiguous
area is not allowed. Insurance coverage is from 4th / 7th year to 60th year, and
split into two age groups i.e. 4-15 years and 16-60 years, for fixing premium and
Self declaration of age group by insured farmer / grower in insurance proposal will
be acceptable. Insurance Company may get the insured palms verified for authenticity,
at any time before expiry of policy period or payment of claim. Insurance becomes
void in event of wrong declaration of age or any material fact by insured, concerning
Farmers/ growers desiring insurance may directly contact representatives / authorized
agents of Insurance Company or may contact nearest office of Agriculture / Horticulture
Department. Premium will be paid by farmer / grower, net off premium subsidy, through
cash, cheque/bank draft, drawn in favor of Insurance Company.
6. Contingency insured
This insurance policy pays for total loss of palm on account of happening of perils
insured leading to death of insured palm or It’s becoming unproductive. In case,
death of palm is not immediate, payment of sum insured will be payable on production
of certificate from Coconut Development Board (CDB) / Agriculture / Horticulture
Department justifying cause for declaring palm unproductive. A palm can be declared
‘unproductive’ only when further growth / rejuvenation of palm is removed / possible
after the same damaged by peril(s) insured, provided palm is removed / felled by
insured. In case farmer / grower wishes to retain unproductive palm as it is (with
out felling), salvage value of 50% of sum insured will be deducted from claim. In
any case, loss of palm will have to be established to, occurrence of peril insured.
7. Risks covered:
The scheme covers following perils leading to death / loss of palm or palm becoming
i) Storm, hailstorm, cyclone typhoon, tornado, heavy rains.
ii) Flood and inundation.
iii) Pest and diseases of widespread nature causing, irreparable damages to palm.
iv) Accidental fire, including forest fire and bush fire, lightening.
v) Earth quake, landslide and tsunami
vi) Severe drought and consequential total loss
No claims shall be payable under the scheme, if palm is lost due to operation of
peril insured is within ‘Franchise’ clause. Insurer will not be liable for any payment,
under this policy, for any expenses incurred by insure in connection with or in
respect of loss other than on account of perils insured. The insurance does not
cover following events, in so far as they are applicable, keeping in view scope
of insurance cover:
(a) Loss by Theft, War, Invasion, Civil war. Rebellion, Revolution, Insurrection,
Mutiny, Lock out, Malicious Damage, Conspiracy, Military/Usurped power, Civil commotion,
Confiscation, Requisition/destruction/damage by order of any Government de-jure
/ de-facto / by any public / municipal / local authority including damage due to
(b) Nuclear reaction, nuclear radiation or radioactive contamination.
(c) Impact damage due to aircraft or other falling objects
(d) Willful negligence of insured and any one acting on his behalf.
(e) Damage caused by human, bird or any animal action.
(f) Improper maintenance of palms.
(g) Palm becoming unhealthy & senile.
(h) Natural morality of the palm, up-rooting of palm traceable to chiseling of roots.
9. Sum Insured & Premium:
10. Premium Subsidy:
Insured sum will vary from Rs.900 per palm (for 4th – 15th
year age group) to Rs.1750 per palm (for 16th to 60th year.
Sum insured per palm (Rs.)
Premium per plant/year (Rs.)
4th – 15th
16th – 60th
Of amount under para 9 above, 50% will be paid by Coconut Development Board (CDB)
and 25% by State Government concerned and balance 25% will be paid by farmer / grower.
In case, the State government does not agrees to bear 25% share of premium, farmers
/ growers, will be required to pay 50% of premium, if interested in insurance scheme.
In case some planters/growers’ association wishes to bear the premium on behalf
of planters/growers, such associations may do so if they have ‘insurable interest’.
In any case, the planters/growers shall have to bear a minimum of 10% premium.
11. Insurance Term:
Premium subsidy amount (50% by CDB and 25% by participating States) will be released
to Insurance Company in advance based on estimates, which will be replenished /
adjusted on quarter/year basis.
A policy can be issued for a maximum period of three years for which rebate in premium
@7.5% for two year policy and 12.5% for three year policy will be provided to the
Effort will be made to ensure that all eligible farmers / growers join the scheme
by 31st March of year. However, those farmers / growers who do not join the scheme
by 31st March may join the scheme subsequently, and in which case risk is covered
from 1st day of succeeding month.
12. Waiting period:
Loss / death of palms, within 30 days from inception of insurance, sum insured is
not payable under the scheme, but this condition is not applicable in case of renewal
of insurance, without time gap.
The claim is assessed only if number of palms damaged, due to perils insured are
in a contiguous area is more than the palms lost as shown for different slabs:
14. States & Areas Covered:
No. of Insured Palms in a contiguous area
Franchise (Palms lost)
This insurance scheme will be implemented in the selected districts of all the States/UTs,
growing coconut palms.
All bearing and healthy palms will be insured, in a contiguous area, by farmer /
grower and every effort will be made by CDB, to get all bearing and healthy palms
insured, in cluster villages of district(s).
15. Issue of Insurance Policy:
Certificate of Insurance / Cover not will be issued by AIC to all individual insured
farmers / growers, within 30 days from receipt of proposal, with requisite premium.
AIC shall also furnish a consolidated list of insured farmers / growers district-wise
to Coconut Development Board (CDB), on quarterly basis.
Claim assessment & settlement procedure:
Loss of insured palms will be intimated by insured farmers to insurance company
within 15 (fifteen) days from occurrence of peril, with all relevant details. The
claims may also be intimated through concerned State Government Call Centers, until
Implementing Agency (i.e. insurance company) sees up its own call centre. Loss assessment
certification is required to be furnished by Coconut Development Board (CDB) / Agriculture
/ Horticulture Department / State Agriculture University (SAU), as authorized by
insurance company for each district, justifying cause for loss of palm, within 15
days from intimation of loss. Insurance company, at its discretion may send its
representative to assess loss jointly with agency designated to certify loss. Insurance
company will release claim to insured farmer / grower within one month from date,
all relevant certified details of claim are received in their office. Release of
claim amount, however, is subject to receiving premium subsidy from both CDB and
Insurance ceases to operate once a full claim is paid. Personal Accident cover for
climbers registered with CDB/State government may be arranged with the public sector
general insurance companies. The sum insured and premium will be negotiated depending
upon the likely number of climbers to be insured.
17. Monitoring Mechanism:
State level Monitoring Committee will be set-up in all implementing States, consisting
of representatives of CDB, insurance company and State Agriculture / Horticulture
Dept, to monitor progress of scheme. This Committee will meet, at least once in
quarter, to review progress and make suggestions in popularizing the scheme.
18. Insurance Publicity:
Annual review of scheme will be undertaken by Ministry of Agriculture (Gol) with
participation of implementing States, Coconut Development Board and insurance company.
Participating States and CDB will make every effort to popularize their insurance
scheme among farmers / growers, using extension mechanism, at their disposal. State
governments will advise all offices of Agriculture / Horticulture Department in
districts to create awareness about the scheme and also facilitate insurance process
by providing necessary guidance to farmers / growers.
National Crop Insurance Programme (NCIP)
Component III: Coconut Palm Insurance Scheme (CPIS)
Operational Guidelines (CPIS)
1. AIC will issue a Master Policy to the Department of Agriculture, which will be
followed by endorsement detailing the coverage as per the Proposal and Listing Sheet
submitted from time to time, based on the individual proposal received along with
2. Krishi Bhavans of Department of Agriculture will function as the Nodal Point
for administering the Scheme.
3. The Growers have to enroll at respective Krishi Bhavans by submitting duly filled
in proposal forms along with the requisit Premium amount.
4. Only Healthy Bearing Palms (Palms yielding more than 30 Nuts per year) are eligible
to be covered under the Scheme
5. All Healthy Bearing Palms in a contiguous area has to be insured by the Grower
/farmer in full. In other words partial insurance of a Coconut Plantation is not
6. The Agriculture Officer of the implementing Krishi Bhavans will assist the farmers
in the proper filling up of the proposals and arriving at the correct premium. Upon
receipt of the duly filled in and signed proposals from the farmers, the Agriculture
Officer will scrutinize the same & issue a duly signed and stamped Acknowledgement-cum-Receipt
to the farmer after proper verification of Proposal Forms.
7. The farmer has to retain this document as a proof of insurance under this Scheme
during, the entire Policy period and shall quote his Acknowledgement-cum- Receipt
number in all his further correspondences.
8. The Agriculture Officer shall consolidate the Proposals into a Listing Sheet
(in duplicate) and submit the original signed copy to the Regional Office of AIC
on a Monthly basis (not later than 5th of the following month) along with all the
proposals and a consolidated cheque /DD favoring Agriculture Insurance Company of
9. The Agriculture Officer shall exercise utmost care in ensuring that all the proposals
along with the prescribed premium collected at Krishi Bhavans are forwarded without
any omission, elapse. In the event of non-remittance of collected proposals and
premiums to AIC on time, AIC will not be, in a position to accept as due claim liability
if any, arising out of such proposals and premiums collected by the Officer but
not received by AIC.
10. Upon receipt of the Listing Sheet along with relevant Proposals & Premium
Instrument, AIC will scrutinize the same and Excess Premium if any will be refunded
back and in the case of Premium Shortage if any, it has to be recovered by the Agriculture
Officer from the concerned party upon intimation from AIC. AIC will assume risk
in respect of such proposals only upon receipt of the full premium.
11. During the Policy Period in the event of occurrence of insured perils leading
to Total Loss of the insured palms, the insured shall give due intimation to the
concerned Agriculture Officer as well as AIC's Regional Offices immediately and
have to submit the duly filled in claim form to the Krishi Bhavan not later than
15 days from the date of loss.
12. Agricultural Officer will verify the loss and certify its admissibility upon
inspection. The duly certified claim form needs to be forwarded to AIC within 15
days from the receipt of claim intimation. Wherever required AIC may depute professional
loss assessors/AIC's Officials at its discretion for loss inspection.
13. Upon receipt of claim form with loss assessment certification from the Agriculture
Officer, AIC will process the claim and shall remit the admissible claim amount
to the insured at the insured's address by way of cheque/DD subject to receipt of
full premium (including subsidy portion).
14. AIC will provide necessary training to the Officials in the concerned districts
and provide necessary forms and publicity materials.
15. AIC will endeavor to settle all the admissible claims within one month from
receipt of completed claim documents from the Agriculture Officer.
16. Department of Agriculture, State Govt. shall release its budgeted share of Agriculture
Premium subsidy in advance to AIC for implementing the Scheme.
17. AIC shall give quarterly Utilization Status Report of the fund received towards
subsidy to Coconut Development Board.
18. The Coconut Development Board apart from advance release its share of Premium
Subsidy, shall give due publicity to the scheme
19. CDB shall facilitate enrolment of farmers in the Clusters/ CPS registered with
20. The Department of Agriculture shall popularize the Scheme though its extension
machinery including its Mass Media Wing.
21. It may be noted that at least 16.2 % plan allocation be earmarked for SC and
ST farmers/ beneficiaries under scheduled castes special Plan (SCSP) and Tribal
Sub Plan (TSP) as per directives of Planning Commission. It may also be noted that
at least 30% of budget allocations are earmarked for women beneficiaries/ farmers
and this may also be intimated to the Central Government in the Monthly Progress
22. A MoU has to be signed among AIC, Department of Agriculture /Horticulture of
State Govt.(s) and Coconut Development Board highlighting the responsibilities/obligations
of each stakeholders.
‘Kera Suraksha’ Insurance Scheme for Coconut Tree Climbers (CTC) Back to Top
The ‘Kera Suraksha’ Insurance Scheme provides insurance coverage to the coconut
tree climbers @ Rs.2 lakh against 24 hours accident related risk including death.
The annual premium of the policy is only Rs.112.10 of which Rs.84.10 is borne by
the Board and Rs.28.00 is contributed by the CTC. The scheme is implemented in all
coconut growing States.
List of Beneficiaries (Various Schemes) - Farmer Producer Organizations (FPOs)