Score:
9.5/15
Analyze what earned this score 🔥
Topper’s Copy
GS2
SOCIAL_ISSUES_AND_SCHEMES
15 marks
“Women’s participation in agriculture remains under-recognized despite their significant contribution.” In this context, examine the role of initiatives like the Agriculture Insurance Company of India Limited’s Krishi Sakhi Initiative in promoting gender-inclusive agricultural development in India.
Student’s Answer
Evaluation by SuperKalam
Demand of the Question
- Examine women's under-recognition in agriculture despite significant contributions
- Analyze role of Krishi Sakhi Initiative in promoting gender-inclusive agricultural development
- Assess effectiveness and impact of such initiatives
What you wrote:
⇒ This Program is designed to empower women farmers by enhancing their awareness, Participation and skills related to crop insurance, aiming to make agriculture more inclusive and resilient.
⇒ This Program is designed to empower women farmers by enhancing their awareness, Participation and skills related to crop insurance, aiming to make agriculture more inclusive and resilient.
Suggestions to improve:
- Could begin by highlighting the paradox (e.g., women constitute 60% of agricultural workforce but own only 14% of land holdings)
- Can establish the context of under-recognition before introducing the initiative as a solution
What you wrote:
[DRAWING: A box titled "The Krishi Sakhi Initiative" with a subtitle "A Nationwide Program by Agriculture Insurance Company Limited of (AICIL)". The box contains four points: "1. Empowerment (Sakhi)" which lists "Training rural women as Krishi Sakhis", "- Financial Digital Literacy", "- communicating cut reach", and "- Banking local leadership"; "2. Knowledge Dissemination"; "3. Insurance Access (AICIL)"; and "4. Nationwide Network".]
Key features of the initiative:
Structured awareness campaigns:
Year-around engagement activities, including interactive videos and rural workshops, to ensure continuous learning and outreach.
Capacity Building:
Ground - level training to women farmers, educating them on navigating Crop Insurance Schemes like Pradhan Mantri Fasal Bima Yojana (PMFBY), understanding Premium Subsidies, and managing claim settlements.
Holistic social outreach:
Integrates modules on crucial social issues like sanitation and menstrual hygiene, promoting overall community welfare beyond just economic concerns.
[DRAWING: A box titled "The Krishi Sakhi Initiative" with a subtitle "A Nationwide Program by Agriculture Insurance Company Limited of (AICIL)". The box contains four points: "1. Empowerment (Sakhi)" which lists "Training rural women as Krishi Sakhis", "- Financial Digital Literacy", "- communicating cut reach", and "- Banking local leadership"; "2. Knowledge Dissemination"; "3. Insurance Access (AICIL)"; and "4. Nationwide Network".]
Key features of the initiative:
Structured awareness campaigns:
Year-around engagement activities, including interactive videos and rural workshops, to ensure continuous learning and outreach.
Capacity Building:
Ground - level training to women farmers, educating them on navigating Crop Insurance Schemes like Pradhan Mantri Fasal Bima Yojana (PMFBY), understanding Premium Subsidies, and managing claim settlements.
Holistic social outreach:
Integrates modules on crucial social issues like sanitation and menstrual hygiene, promoting overall community welfare beyond just economic concerns.
Suggestions to improve:
- Could elaborate on how training rural women as Krishi Sakhis creates women-led agricultural extension services (e.g., peer-to-peer learning increases adoption rates by 40%)
- Can explain how financial digital literacy specifically empowers women (e.g., enabling direct benefit transfers, reducing dependency on male family members)
What you wrote:
Significance of the Krishi Sakhi Initiative:
'The Feminization of Agriculture'
⇒ Women form the backbone of Indian agriculture, with over 60% of rural female workers employed in this sector (Labour Bureau's Annual Report)
'The Paradox of land ownership'
⇒ Despite their significant labour contribution, women own only 14% of agricultural land holdings.
→ The lack of land titles prevents them from being officially recognized as 'farmers' thus denying them access to credit and insurance.
Low insurance Penetration:
⇒ Female farmers constitute less than 20% of the total enrollees in the Pradhan Mantri Fasal Bima Yojana (PMFBY), leaving female-headed households highly vulnerable.
Significance of the Krishi Sakhi Initiative:
'The Feminization of Agriculture'
⇒ Women form the backbone of Indian agriculture, with over 60% of rural female workers employed in this sector (Labour Bureau's Annual Report)
'The Paradox of land ownership'
⇒ Despite their significant labour contribution, women own only 14% of agricultural land holdings.
→ The lack of land titles prevents them from being officially recognized as 'farmers' thus denying them access to credit and insurance.
Low insurance Penetration:
⇒ Female farmers constitute less than 20% of the total enrollees in the Pradhan Mantri Fasal Bima Yojana (PMFBY), leaving female-headed households highly vulnerable.
Suggestions to improve:
- Could analyze how Krishi Sakhi Initiative addresses the 20% female enrollment in PMFBY (e.g., targeted outreach increasing women's participation by 25%)
- Can discuss how the initiative creates alternative pathways for recognition beyond land ownership
What you wrote:
challenge undermining women's integration:
Structural and legal Barriers:
⇒ Lack of land titles remains the biggest hurdle. Despite the Supreme court's 'Vineeta Sharma vs Rakesh Sharma (2020)' judgment upholding women's Property rights, Patriarchal norms hinder its implementation on the ground.
'The rural Digital Divide':
⇒ Effective use of modern insurance Portals is limited by low digital literacy. Only 25% of rural women use the internet compared to 49% of rural men, creating access barrier.
Way Forward:
Decouple insurance from land ownership:
⇒ Implement the Dalwai committee's recommendation to issue 'cultivator certificates' to women, recognizing their role as farmers regardless of land ownership.
Bridge the Digital Divide:
⇒ Integrate the Krishi Sakhi network with the digital literacy modules of the 'Pradhan Mantri Gramin Digital Saksharta Abhiyan (PMGDISHA)' to empower women to manage their insurance digitally.
challenge undermining women's integration:
Structural and legal Barriers:
⇒ Lack of land titles remains the biggest hurdle. Despite the Supreme court's 'Vineeta Sharma vs Rakesh Sharma (2020)' judgment upholding women's Property rights, Patriarchal norms hinder its implementation on the ground.
'The rural Digital Divide':
⇒ Effective use of modern insurance Portals is limited by low digital literacy. Only 25% of rural women use the internet compared to 49% of rural men, creating access barrier.
Way Forward:
Decouple insurance from land ownership:
⇒ Implement the Dalwai committee's recommendation to issue 'cultivator certificates' to women, recognizing their role as farmers regardless of land ownership.
Bridge the Digital Divide:
⇒ Integrate the Krishi Sakhi network with the digital literacy modules of the 'Pradhan Mantri Gramin Digital Saksharta Abhiyan (PMGDISHA)' to empower women to manage their insurance digitally.
Suggestions to improve:
- Could suggest integration with Self Help Groups (SHGs) where women's participation is 85% to leverage existing networks
- Can propose linking with Mahila Kisan Sashaktikaran Pariyojana (MKSP) for comprehensive women farmer development
What you wrote:
Suggestions to improve:
- Could conclude by emphasizing how initiatives like Krishi Sakhi represent a paradigm shift from welfare to empowerment approach
- Can connect to constitutional values of equality and social justice (Articles 14, 15) in ensuring women's agricultural rights
Your answer demonstrates good factual knowledge and statistical backing, particularly the land ownership paradox and digital divide analysis. However, the response needs stronger integration between the problem identification and how Krishi Sakhi Initiative specifically addresses gender inclusion challenges. Consider adding more impact assessment and success metrics.
Demand of the Question
- Examine women's under-recognition in agriculture despite significant contributions
- Analyze role of Krishi Sakhi Initiative in promoting gender-inclusive agricultural development
- Assess effectiveness and impact of such initiatives
What you wrote:
⇒ This Program is designed to empower women farmers by enhancing their awareness, Participation and skills related to crop insurance, aiming to make agriculture more inclusive and resilient.
⇒ This Program is designed to empower women farmers by enhancing their awareness, Participation and skills related to crop insurance, aiming to make agriculture more inclusive and resilient.
Suggestions to improve:
- Could begin by highlighting the paradox (e.g., women constitute 60% of agricultural workforce but own only 14% of land holdings)
- Can establish the context of under-recognition before introducing the initiative as a solution
More Challenges
View All- View Challenge
GS3
Economy
10 Jun, 2026
India has recently undertaken major reforms to liberalise foreign participation in equity and government securities markets. Discuss the significance of these reforms in attracting long-term foreign capital. Also examine the potential risks associated with greater foreign portfolio investment in the Indian economy.
- View Challenge
GS2
Governance
Yesterday
“Data-driven governance has the potential to transform grassroots democracy and improve service delivery in rural India.” In this context, examine the significance of the Panchayat Advancement Index (PAI) in strengthening local self-governance and achieving the Localisation of Sustainable Development Goals (LSDGs).
- View Challenge
GS3
Economy
8 Jun, 2026
India recorded a GDP growth rate of 7% in FY 2025–26 despite global economic uncertainties. Examine the key drivers of this growth. Discuss whether high GDP growth alone is sufficient to ensure inclusive and sustainable development in India.
SuperKalam is your personal mentor for UPSC preparation, guiding you at every step of the exam journey.
Download the App
STUDY RESOURCES
CONTACT US
ⓒ Snapstack Technologies Private Limited