What this scheme offers
Apple orchards are the backbone of Kashmir's rural economy in a way few other single crops are for other Indian states, and saffron cultivation carries similar weight for the families who grow it — so when floods and road blockades repeatedly damaged crops and cut off market access in recent years, comprehensive crop insurance became farmers' and orchardists' central, unambiguous demand. The 2026-27 budget answered with a ₹6,594.93 crore allocation covering all varieties of apples and saffron in the Kashmir Division, and mango, litchi and saffron in the Jammu Division — insurance sized to match how much these crops actually mean to the region's livelihoods, not a token gesture.
Who is eligible
- Farmer or orchardist in Jammu and Kashmir growing apples, saffron, mango, or litchi, per the division-specific coverage.
- Land records confirming the area under the insured crop.
- Registered for the scheme through the Agriculture/Horticulture Department.
Documents required
- Aadhaar card
- Land records
- Bank account details (Aadhaar-linked)
- Crop details for the relevant season
How to apply
- Register through your local Agriculture or Horticulture Department office ahead of the relevant crop season.
- Provide land records and details of the insured crop (apple, saffron, mango, or litchi as applicable to your division).
- In the event of crop loss from a covered cause (flood, damage from road blockades, or other notified events), a government assessment determines the claim.
- Approved compensation is credited via DBT to your Aadhaar-linked bank account.
- Contact your district Agriculture office for the current season's registration deadlines and claim-reporting process.