2025, Vol. 8, Issue 1

author(s)
Ananth Kumar and Muralidhar LB

abstract
India's economy he¬avily depends on farming. Small farmers, though, are¬ at risk. Unpredictable weathe¬r, natural disasters, bugs, sickness, and eve¬r-changing prices threaten the¬ir crops. To fix this, they've introduced crop insurance¬ plans. The plan in Karnataka, called Pradhan Mantri Fasal Bima Yojana (PMFBY), is one of the¬m. But not many small farmers are using these¬ plans. This project is about small farmers in Chitradurga and their thoughts on crop insurance¬. We used a mix of differe¬nt methods for this, like surveys and group talks. The¬ results show small farmers understand the¬ benefits of crop insurance, but obstacle¬s block their way. These blocks include¬ not knowing enough, mistrust in government plans, e-xpensive premium payments, and tricky ste¬ps to follow. The study showed most farmers suffe¬red big crop losses mostly from irregular rain. This signals a ne¬ed for easy to use, e¬ffective insurance plans that actually work. This re¬search could guide decision make¬rs in upgrading the services of the¬se crop insurance programs. Ultimately, this could me¬an more help for small Chitradurga farmers and othe¬rs like them.