Order of the Supreme Court of India regarding crop insurance, Anand, Gujarat, 11/08/2021

  • 11/08/2021

Order of the Supreme Court of India in the matter of Ajitsinh Malubhai Ghummad & Others Vs Union of India & Others dated 11/08/2021.

The challenge in the present appeal is to an order passed by the National Consumer Dispute Redressal Commission (Commission), January 26, 2009, whereby the revision petitions filed by the appellants were dismissed.

The appellants are farmers and had invoked the jurisdiction of the District Dispute Consumers Redressal Forum, Anand (District Forum) claiming the insurance safety amount of Rs.1,43,000/- with 15 percent interest due to failure of paddy crop in their field in the monsoon season in the year 2001.

The District Forum said that the threshold yield, i.e. assured produce is 1124 kilogram per hector whereas  actual produce per hector of paddy crop is 1507 kilogram. Therefore, the appellants have not suffered any loss. The complaint was thus dismissed. The complaint was thus dismissed.

Such order of the District Forum was not interfered with in appeal by the State Consumer Dispute Redressal Commission and later in revision by the Commission.

The appellants could not refer to any clause in the scheme that if the yield is less due to insufficient rains, that deficiency would be covered under the scheme of insurance. Still further, the actual yield was more than the threshold yield in the area in question, still further, all the three forums have taken a concurrent view that the appellants have failed to prove any loss, which is covered by the scheme of insurance, the SC said while dismissing the appeals.