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Production and Distribution of Planting Material Back to Top

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/-.

Nucleus Seed Gardens Assisted by Coconut Development Board from 2001-02 to 2011-12

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 Back to Top

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.

List of Charge Officers in Kerala

Download application form for Laying out of demonstration plots (LoDP)
List of Coconut Clusters and contact addresses Assistance for organic manure units

Download application form for Organic Manure Unit

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 route).

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 coconut.

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 Board.

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 by FPOs:

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.

Infrastructure supported Assistance proposed
1. 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 lakhs only
2. Platform balances
3. Minimum Office furniture of one office table and two chairs
4. Books of accounts – cash book, purchase and sales register, Farmer ledger and trader ledger
5. De-husking machines
6. Iron mesh baskets
7. Trolleys for carrying coconuts
8. 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 coconut products.

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.

(Download Application 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 quality certification.
• 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 claim.
• 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.

 (Download Application 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 specific product.

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.
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 import business.
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 event.
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.

b. Procedure for submission of proposal for assistance :

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 and limits.

Item Assistance proposed
Accommodation 50% of the cost subject to a maximum of Rs.50,000/-
Space rent 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.
Air fare 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 of participation.
3.The filled in evaluation format should also be submitted.

Download Application 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 the scheme.
(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 include
• 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
• Leaflets
• Brochures
• Pamphlets
• 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
• Hoarding(print/electronic)
• Billboards • Bus/Tram Panel ads
• Moving hoardings

Download Application 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 schemes.
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.


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 / GMP/GHP/SQF.
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 is claimed.
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:
No Particulars Unit cost (Rs.) Total cost (Rs.)
1 Food and Accommodation for 10 trainees 250 75,000
2 Honorarium for one Master Trainer 20,000 20,000
3 On the job training stipend for the trainees 150 45,000
4 Consumables, course materials, pre and post evaluation skill test etc 7,000
5 Other miscellaneous expenses and contingencies 3,000
Download Application format for Skilled Labour

Information and Information Technology Back to Top

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 growing states.

1. Introduction

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.
2. Objectives

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 of palms.

iii) Minimize risk and encourage replanting and rejuvenation to make coconut farming remunerative.

3. Applicability:

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 sum insured.

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 insurance.

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 un-productive:

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

8. Exclusions:

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 power transmission.

(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:
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 900 9.00
16th – 60th 1750 14.00
10. Premium Subsidy:

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.
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.

11. Insurance Term:

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 planters/growers.

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.

13. Franchise:

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:

Sl No.

No. of Insured Palms in a contiguous area Franchise (Palms lost)
1 < 30 1
2 31-100 12
3 >100 3
14. States & Areas Covered:

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 concerned State.

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.
Annual review of scheme will be undertaken by Ministry of Agriculture (Gol) with participation of implementing States, Coconut Development Board and insurance company.

18. Insurance Publicity:

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 premium.

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 allowed.

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 India Ltd

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 the Board.

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 report.

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.