Crop insurance reached Kashmir five seasons after Jammu, covering 2.45 lakh farmers and collecting Rs 98 crore premium in 2023–24, but paid only Rs 31.66 crore in claims. Despite subsidised premiums and over Rs 362 crore collected since 2017–18, farmer reluctance, delayed settlements and apple exclusion hinder its effectiveness, writes Masood Hussain Follow Us … Continue reading Kashmir’s Insured Crops