The Government of India has partnered with CropIn Technologies along with nine other research institutions and private agencies, to make the Crop Cutting Experiments (CCE) more accurate, swift and scalable. The CCE optimisation initiative using cutting edge technologies was carried out by the Pradhan Mantri Fasal Bima Yojana (PMFBY), Centre’s flagship crop insurance programme, and monitored by Mahalanobis National Crop Forecast Centre (MNCFC).
The objectives of these pilot studies were two-fold: (1) Optimisation of number of crop cutting experiments to bring it to more manageable levels, (2) A robust and self-managed claim dispute resolution mechanism which enables swift resolution of claim disputes. The pilot studies, were initiated in September 2018, and concluded with the CCE of Rabi crops in Feb 2019.
The PMFBY requires the states to carry out minimum four crop-wise CCE in every gram panchayat for the submission of the yield data to insurance companies within 30 days of harvest. The government has traditionally been using a random survey method to estimate the crop yields of a given location. However, considering that there are 2.5 lakh gram panchayats in India, it is challenging to conduct reliable and accurate CCE in the country at scale within a short harvesting window. Applying technology to the otherwise rudimentary and time-consuming process of CCE will expedite risk assessment when processing insurance claims and loan applications made by farmers under the PMFBY.
CropIn is currently conducting CCE through its scalable yield mapping technology through remote sensing in the Koppal and Bellary districts of Karnataka. CropIn’s SmartFarm and SmartRisk collectively enables accurate and efficient execution of CCE, resulting in timely clearance of claims. Given that India is a country of small-hold and marginal farmers, CropIn’s technology can also be used to evaluate varied, smaller unit areas, thereby rationalising the entire process of CCE.
For conducting CCE experiments that are a lot more scientific and less arbitrary, SmartRisk™, an award winning AI- and ML- powered digital platform by CropIn, makes use of ground-level data and satellite imagery to identify the plots that are apt for these experiments. Millions of data points are analysed and run through proprietary AI & ML models to zero in on farm plots that will represent the most accurate sample for the region. With the help of this data, government officials can easily identify the right plots that should be included in the study, removing all ambiguity from the process of selection. The benefits of technologically-aided CCE are not just limited to choosing the right sample for study. Apart from offering a more optimised method of plot selection, this platform also helps in providing the government and insurance companies with scientific, scalable, and accurate reports for processing of insurance claims and crop yield assessments.
SmartFarm—CropIn’s digital farm management solution—captures the precise location and size of the farm and the details of the farmer at the time of conducting the CCE. This ensures the field data is accurate, enabling complete visibility and transparency in the CCE process.
CropIn improves the operational efficiency of CCE at scale by providing centralised access to regional and unit area data points to government and insurance companies. The company applies complex algorithms for the smart-sampling of crops. CropIn’s Smartfarm gives complete control of the process to all stakeholders. Right from identifying the crop being grown in a unit area, harvest readiness of the crops to determining the optimal crop yield points, stakeholders can leverage the data points to carry out CCE effectively. The CCE process is executed by field agents and the data is updated to SmartFarm for the perusal of government. Based on the crop insurance guidelines defined by PMFBY, a crop yield threshold is adhered to for claim clearance.
Even though Indian farmers have access to subsidised insurance policies, claiming coverage or availing credit is not without challenges. CCE needs the intervention of technology to make the process, objective, accurate and fair. Government and private agri-tech companies are teaming up to solve these challenges jointly.
CropIn is a leading full-stack agri-tech organisation that provides SaaS solutions to agribusinesses globally. CropIn’s unique suite of products enables various stakeholders in the agri-ecosystem, including the farmer, to adopt and drive digital strategy across their operations.
Using cutting-edge technology like big data analytics, artificial intelligence, machine learning, and remote sensing, CropIn creates an interconnected network of all these stakeholders at different levels of the agriculture ecosystem, enabling clients to analyse and interpret data to derive real-time actionable insights on standing crop. Businesses can thus leverage technology to effectively drive their initiatives around Digitisation, Compliance, Sustainability and Traceability.
With the vision to ‘maximise per acre value’ and the mission to ‘make every farm traceable’, CropIn adds value to agribusiness by increasing efficiency, scaling productivity, and strengthening sustainability across the board. Thus, so far CropIn has digitised over 5 million acres of farmland and enriched the lives of nearly 2.1 million farmers, while gathering data on 265 crops and 3,500 crop varieties in 30 countries. The SaaS solutions offered by CropIn are crop and location agnostic, and are available on web and mobile devices.