[Cites 2, Cited by 0]
Rajasthan High Court - Jodhpur
Ramu Ram vs Union Of India on 17 February, 2026
Author: Kuldeep Mathur
Bench: Kuldeep Mathur
[2026:RJ-JD:8745]
HIGH COURT OF JUDICATURE FOR RAJASTHAN AT
JODHPUR
S.B. Civil Writ Petition No. 16961/2025
Purna Ram S/o Tulichha Ram, Aged About 58 Years, Resident Of
Village And Post Kamediya, Tehsil Deh, District Nagour.
----Petitioner
Versus
1. Union Of India, Through The Secretary, Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishibhawan, New Delhi-110001.
2. The Chief Executive Officers, Department Of Agriculture,
Cooperation And Farmer Welfare, Government Of India,
Krishibhawan, New Delhi-110001.
3. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Managing Director, Gandhi Chok, Nagaur.
4. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Branch Manager, Jayal, District Nagaur.
----Respondents
Connected With
S.B. Civil Writ Petition No. 3083/2025
Pusa Ram S/o Dhula Ram, Aged About 65 Years, Village And Post
Kamediya, Tehsil Deh, District Nagaur.
----Petitioner
Versus
1. Union Of India, Through The Secretary Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishi Bhawan, New Delhi- 110001
2. The Chief Executive Offers, Department Of Agriculture,
Cooperation And Farmer Welfare, Government Of India
Krishi Bhawan, New Delhi- 110001
3. State Of Rajasthan, Through The Principle Secretary
Department Of Agriculture, Government Of Rajasthan,
Jaipur.
4. The Principal Secretary, Department Of Co-Operative
Society, Government Of Rajasthan, Jaipur.
5. The Registrar, Cooperative Societies, Nehru Sahkar
Bhawan, 22 Godam, Jaipur
6. The Commissioner, Agriculture Commissionrate Of
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Agriculture, Government Of Rajasthan, Pant Krishi
Bhawan, Jaipur.
7. The District Collector, Nagaur.
8. The Joint Director (Extension), Department Of
Agriculture, Nagaur.
9. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Managing Director, Gandhi Chowk, Nagaur
10. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Branch Managar, Jayal, District Nagaur.
11. The Manager, Cooperative Gram Seva Sahkari Samiti
Limited, Kamediya, Gram Panchayat Kamediya, I District
Nagaur
12. The Manager, Reliance General Insurance Company Ltd.,
(Regional Officer), Man Upasana Plot No. C-44, 6Th Floor,
Sardar Patel Marg, C-Scheme, Jaipur 302001
----Respondents
S.B. Civil Writ Petition No. 3085/2025
Simbhu Ram S/o Ganesh Ram, Aged About 47 Years, Resident Of
Village And Post Kamediya, Tehsil Deh, District Nagour.
----Petitioner
Versus
1. Union Of India, Through The Secretary Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishi Bhawan, New Delhi- 110001
2. The Chief Executive Officers, Department Of Agriculture,
Cooperation And Farmer Welfare, Government Of India
Krishi Bhawan, New Delhi- 110001
3. State Of Rajasthan, Through The Principle Secretary
Department Of Agriculture, Government Of Rajasthan,
Jaipur.
4. The Principal Secretary, Department Of Co-Operative
Society, Government Of Rajasthan, Jaipur.
5. The Registrar, Cooperative Societies, Nehru Sahkar
Bhawan, 22 Godam, Jaipur
6. The Commissioner, Agriculture Commissionrate Of
Agriculture, Government Of Rajasthan, Pant Krishi
Bhawan, Jaipur.
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7. The District Collector, Nagaur.
8. The Joint Director (Extension), Department Of
Agriculture, Nagaur.
9. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Managing Director, Gandhi Chowk, Nagaur
10. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Branch Managar, Jayal, District Nagaur.
11. The Manager, Cooperative Gram Seva Sahkari Samiti
Limited, Kamediya, Gram Panchayat Kamediya, I District
Nagaur
12. The Manager, Reliance General Insurance Company Ltd.,
(Regional Officer), Man Upasana Plot No. C-44, 6Th Floor,
Sardar Patel Marg, C-Scheme, Jaipur 302001
----Respondents
S.B. Civil Writ Petition No. 3155/2025
Om Prakash S/o Nanag Ram, Aged About 43 Years, Village And
Post Kamediya, Tehsil Deh, District Nagaur.
----Petitioner
Versus
1. Union Of India, Through The Secretary Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishi Bhawan, New Delhi- 110001
2. The Chief Executive Offers, Department Of Agriculture,
Cooperation And Farmer Welfare, Government Of India
Krishi Bhawan, New Delhi- 110001
3. State Of Rajasthan, Through The Principle Secretary
Department Of Agriculture, Government Of Rajasthan,
Jaipur.
4. The Principal Secretary, Department Of Co-Operative
Society, Government Of Rajasthan, Jaipur.
5. The Registrar, Cooperative Societies, Nehru Sahkar
Bhawan, 22 Godam, Jaipur
6. The Commissioner, Agriculture Commissionrate Of
Agriculture, Government Of Rajasthan, Pant Krishi
Bhawan, Jaipur.
7. The District Collector, Nagaur.
8. The Joint Director (Extension), Department Of
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Agriculture, Nagaur.
9. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Managing Director, Gandhi Chowk, Nagaur
10. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Branch Managar, Jayal, District Nagaur.
11. The Manager, Cooperative Gram Seva Sahkari Samiti
Limited, Kamediya, Gram Panchayat Kamediya, District
Nagaur
12. The Manager, Reliance General Insurance Company Ltd.,
(Regional Officer), Man Upasana Plot No. C-44, 6Th Floor,
Sardar Patel Marg, C-Scheme, Jaipur 302001
----Respondents
S.B. Civil Writ Petition No. 3275/2025
1. Nathu Ram S/o Panna Ram, Aged About 40 Years, R/o
Gram Post Kamedia Tehsil Jayal District Nagour
2. Ganesha Ram S/o Panna Ram, Aged About 50 Years, R/o
Gram Post Kamedia Tehsil Jayal District Nagour.
----Petitioners
Versus
1. Union Of India, Through The Secretary Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishi Bhawan, New Delhi- 110001.
2. The Chief Executive Offers, Department Of Agriculture,
Cooperation And Farmer Welfare, Government Of India
Krishi Bhawan, New Delhi- 110001.
3. State Of Rajasthan, Through The Principle Secretary
Department Of Agriculture, Government Of Rajasthan,
Jaipur.
4. The Principal Secretary, Department Of Co-Operative
Society, Government Of Rajasthan, Jaipur.
5. The Registrar, Cooperative Societies, Nehru Sahkar
Bhawan, 22 Godam, Jaipur.
6. The Commissioner, Agriculture Commissionrate Of
Agriculture, Government Of Rajasthan, Pant Krishi
Bhawan, Jaipur.
7. The District Collector, Nagaur.
8. The Joint Director (Extension), Department Of
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Agriculture, Nagaur.
9. The Nagaur Central Cooperative Bank Ltd., Nagaur
Through Its Managing Director, Gandhi Chowk, Nagaur.
10. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Branch Managar, Jayal, District Nagaur.
11. The Manager, Cooperative Gram Seva Sahkari Samiti
Limited, Kamedia, Gram Panchayat Kamediya, I District
Nagaur
12. The Manager, Reliance General Insurance Company Ltd.,
(Regional Officer), Man Upasana Plot No. C-44, 6Th Floor,
Sardar Patel Marg, C-Scheme, Jaipur 302001.
----Respondents
S.B. Civil Writ Petition No. 3403/2025
Bhanwar Kanwar W/o Harisingh, Aged About 66 Years, D/o
Nathu Singh Resident Of Village And Post Kamediya, Tehsil Deh,
District Nagour.
----Petitioner
Versus
1. Union Of India, Through The Secretary Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishi Bhawan, New Delhi- 110001.
2. The Chief Executive Offers, Department Of Agriculture,
Cooperation And Farmer Welfare, Government Of India
Krishi Bhawan, New Delhi- 110001.
3. State Of Rajasthan, Through The Principle Secretary
Department Of Agriculture, Government Of Rajasthan,
Jaipur.
4. The Principal Secretary, Department Of Co-Operative
Society, Government Of Rajasthan, Jaipur.
5. The Registrar, Cooperative Societies, Nehru Sahkar
Bhawan, 22 Godam, Jaipur.
6. The Commissioner, Agriculture Commissionrate Of
Agriculture, Government Of Rajasthan, Pant Krishi
Bhawan, Jaipur.
7. The District Collector, Nagaur.
8. The Joint Director (Extension), Department Of
Agriculture, Nagaur.
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9. The Nagaur Central Cooperative Bank Ltd., Nagaur
Through Its Managing Director, Gandhi Chowk, Nagaur.
10. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Branch Managar, Jayal, District Nagaur.
11. The Manager, Cooperative Gram Seva Sahkari Samiti
Limited, Kamedia, Gram Panchayat Kamediya, I District
Nagaur
12. The Manager, Reliance General Insurance Company Ltd.,
(Regional Officer), Man Upasana Plot No. C-44, 6Th Floor,
Sardar Patel Marg, C-Scheme, Jaipur 302001.
----Respondents
S.B. Civil Writ Petition No. 3407/2025
Hemaram S/o Gena Ram, Aged About 50 Years, Resident Of
Village And Post Kamediya, Tehsil Deh, District Nagour.
----Petitioner
Versus
1. Union Of India, Through The Secretary Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishi Bhawan, New Delhi- 110001.
2. The Chief Executive Offers, Department Of Agriculture,
Cooperation And Farmer Welfare, Government Of India
Krishi Bhawan, New Delhi- 110001.
3. State Of Rajasthan, Through The Principle Secretary
Department Of Agriculture, Government Of Rajasthan,
Jaipur.
4. The Principal Secretary, Department Of Co-Operative
Society, Government Of Rajasthan, Jaipur.
5. The Registrar, Cooperative Societies, Nehru Sahkar
Bhawan, 22 Godam, Jaipur.
6. The Commissioner, Agriculture Commissionrate Of
Agriculture, Government Of Rajasthan, Pant Krishi
Bhawan, Jaipur.
7. The District Collector, Nagaur.
8. The Joint Director (Extension), Department Of
Agriculture, Nagaur.
9. The Nagaur Central Cooperative Bank Ltd., Nagaur
Through Its Managing Director, Gandhi Chowk, Nagaur.
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10. The Nagaur Central Cooperative Bank Ltd., Nagaur
Through Its Managing Director, Gandhi Chowk, Nagaur.
11. The Manager, Cooperative Gram Seva Sahkari Samiti
Limited, Kamedia, Gram Panchayat Kamediya, I District
Nagaur
12. The Manager, Reliance General Insurance Company Ltd.,
(Regional Officer), Man Upasana Plot No. C-44, 6Th Floor,
Sardar Patel Marg, C-Scheme, Jaipur 302001.
----Respondents
S.B. Civil Writ Petition No. 3411/2025
Jetha Ram S/o Jhumar Ram, Aged About 76 Years, Village And
Post Kamediya, Tehsil Deh, District Nagaur
----Petitioner
Versus
1. Union Of India, Through The Secretary Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishi Bhawan, New Delhi- 110001.
2. The Chief Executive Offers, Department Of Agriculture,
Cooperation And Farmer Welfare, Government Of India
Krishi Bhawan, New Delhi- 110001.
3. State Of Rajasthan, Through The Principle Secretary
Department Of Agriculture, Government Of Rajasthan,
Jaipur.
4. The Principal Secretary, Department Of Co-Operative
Society, Government Of Rajasthan, Jaipur.
5. The Registrar, Cooperative Societies, Nehru Sahkar
Bhawan, 22 Godam, Jaipur.
6. The Commissioner, Agriculture Commissionrate Of
Agriculture, Government Of Rajasthan, Pant Krishi
Bhawan, Jaipur.
7. The District Collector, Nagaur.
8. The Joint Director (Extension), Department Of
Agriculture, Nagaur.
9. The Nagaur Central Cooperative Bank Ltd., Nagaur
Through Its Managing Director, Gandhi Chowk, Nagaur.
10. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Branch Managar, Jayal, District Nagaur.
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11. The Manager, Cooperative Gram Seva Sahkari Samiti
Limited, Kamedia, Gram Panchayat Kamediya, I District
Nagaur
12. The Manager, Reliance General Insurance Company Ltd.,
(Regional Officer), Man Upasana Plot No. C-44, 6Th Floor,
Sardar Patel Marg, C-Scheme, Jaipur 302001.
----Respondents
S.B. Civil Writ Petition No. 3415/2025
Bhagirath Ram S/o Roopa Ram, Aged About 65 Years, Resident
Of Village And Post Kamediya, Tehsil Deh, District Nagour.
----Petitioner
Versus
1. Union Of India, Through The Secretary Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishi Bhawan, New Delhi- 110001.
2. The Chief Executive Offers, Department Of Agriculture,
Cooperation And Farmer Welfare, Government Of India
Krishi Bhawan, New Delhi- 110001.
3. State Of Rajasthan, Through The Principle Secretary
Department Of Agriculture, Government Of Rajasthan,
Jaipur.
4. The Principal Secretary, Department Of Co-Operative
Society, Government Of Rajasthan, Jaipur.
5. The Registrar, Cooperative Societies, Nehru Sahkar
Bhawan, 22 Godam, Jaipur.
6. The Commissioner, Agriculture Commissionrate Of
Agriculture, Government Of Rajasthan, Pant Krishi
Bhawan, Jaipur.
7. The District Collector, Nagaur.
8. The Joint Director (Extension), Department Of
Agriculture, Nagaur.
9. The Nagaur Central Cooperative Bank Ltd., Nagaur
Through Its Managing Director, Gandhi Chowk, Nagaur.
10. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Branch Managar, Jayal, District Nagaur.
11. The Manager, Cooperative Gram Seva Sahkari Samiti
Limited, Kamedia, Gram Panchayat Kamediya, I District
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Nagaur
12. The Manager, Reliance General Insurance Company Ltd.,
(Regional Officer), Man Upasana Plot No. C-44, 6Th Floor,
Sardar Patel Marg, C-Scheme, Jaipur 302001.
----Respondents
S.B. Civil Writ Petition No. 3419/2025
Ramu Ram S/o Chunna Ram, Aged About 49 Years, Resident Of
Village And Post Kamediya, Tehsil Deh,district Nagour.
----Petitioner
Versus
1. Union Of India, Through The Secretary Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishi Bhawan, New Delhi- 110001.
2. The Chief Executive Offers, Department Of Agriculture,
Cooperation And Farmer Welfare, Government Of India
Krishi Bhawan, New Delhi- 110001.
3. State Of Rajasthan, Through The Principle Secretary
Department Of Agriculture, Government Of Rajasthan,
Jaipur.
4. The Principal Secretary, Department Of Co-Operative
Society, Government Of Rajasthan, Jaipur.
5. The Registrar, Cooperative Societies, Nehru Sahkar
Bhawan, 22 Godam, Jaipur.
6. The Commissioner, Agriculture Commissionrate Of
Agriculture, Government Of Rajasthan, Pant Krishi
Bhawan, Jaipur.
7. The District Collector, Nagaur.
8. The Joint Director (Extension), Department Of
Agriculture, Nagaur.
9. The Nagaur Central Cooperative Bank Ltd., Nagaur
Through Its Managing Director, Gandhi Chowk, Nagaur.
10. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Branch Managar, Jayal, District Nagaur.
11. The Manager, Cooperative Gram Seva Sahkari Samiti
Limited, Kamedia, Gram Panchayat Kamediya, I District
Nagaur
12. The Manager, Reliance General Insurance Company Ltd.,
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(Regional Officer), Man Upasana Plot No. C-44, 6Th Floor,
Sardar Patel Marg, C-Scheme, Jaipur 302001.
----Respondents
S.B. Civil Writ Petition No. 3425/2025
1. Shetana Ram S/o Chunna Ram, Aged About 48 Years,
Gram Kamedia Post Kamediya , Tehsil Jayal, District
Nagaur.
2. Badri Ram S/o Tilak Ram, Aged About 66 Years, Gram
Kamedia Post Kamediya , Tehsil Jayal, District Nagaur.
3. Ramdev S/o Lalu Ram, Aged About 65 Years, Gram
Kamedia Post Kamediya , Tehsil Jayal, District Nagaur.
4. Mohan Ram S/o Hukama Ram, Aged About 49 Years,
Gram Kamedia Post Kamediya , Tehsil Jayal, District
Nagaur.
5. Bansi Ram S/o Likhma Ram, Aged About 63 Years, Gram
Kamedia Post Kamediya , Tehsil Jayal, District Nagaur.
----Petitioners
Versus
1. Union Of India, Through The Secretary Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishi Bhawan, New Delhi- 110001.
2. The Chief Executive Offers, Department Of Agriculture,
Cooperation And Farmer Welfare, Government Of India
Krishi Bhawan, New Delhi- 110001.
3. State Of Rajasthan, Through The Principle Secretary
Department Of Agriculture, Government Of Rajasthan,
Jaipur.
4. The Principal Secretary, Department Of Co-Operative
Society, Government Of Rajasthan, Jaipur.
5. The Registrar, Cooperative Societies, Nehru Sahkar
Bhawan, 22 Godam, Jaipur.
6. The Commissioner, Agriculture Commissionrate Of
Agriculture, Government Of Rajasthan, Pant Krishi
Bhawan, Jaipur.
7. The District Collector, Nagaur.
8. The Joint Director (Extension), Department Of
Agriculture, Nagaur.
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9. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Branch Managar, Jayal, District Nagaur.
10. The Manager, Cooperative Gram Seva Sahkari Samiti
Limited, Kamedia, Gram Panchayat Kamediya, I District
Nagaur
11. The Manager, Reliance General Insurance Company Ltd.,
(Regional Officer), Man Upasana Plot No. C-44, 6Th Floor,
Sardar Patel Marg, C-Scheme, Jaipur 302001.
12. The Manager, Reliance General Insurance Company Ltd.,
(Regional Officer), Man Upasana Plot No. C-44, 6Th Floor,
Sardar Patel Marg, C-Scheme, Jaipur 302001.
----Respondents
S.B. Civil Writ Petition No. 3504/2025
1. Khema Ram S/o Lalu Ram, Aged About 76 Years, R/o
Gram Post Kamediya Tehsil Deh, District Nagaur.
2. Chaini Devi W/o Khema Ram, Aged About 70 Years, R/o
Gram Post Kamediya Tehsil Deh, District Nagaur.
3. Prithvi Raj S/o Khema Ram, Aged About 44 Years, R/o
Gram Post Kamediya Tehsil Deh, District Nagaur.
4. Gopa Ram S/o Khema Ram, Aged About 53 Years, R/o
Gram Post Kamediya Tehsil Deh, District Nagaur.
5. Pitha Ram S/o Pema Ram, Aged About 44 Years, R/o
Gram Post Kamediya Tehsil Deh, District Nagaur.
6. Kumbha Ram S/o Dharma Ram, Aged About 73 Years, R/
o Gram Post Kamediya Tehsil Deh, District Nagaur.
7. Hari Ram S/o Kheraj Ram, Aged About 42 Years, R/o
Gram Post Kamediya Tehsil Deh, District Nagaur.
8. Luna Ram S/o Bhanwar Lal, Aged About 21 Years, R/o
Gram Post Kamediya Tehsil Deh, District Nagaur.
9. Pusa Ram S/o Pema Ram, Aged About 62 Years, R/o
Gram Post Kamediya Tehsil Deh, District Nagaur.
10. Nanu Ram S/o Pokar Ram, Aged About 61 Years, R/o
Gram Post Kamediya Tehsil Deh, District Nagaur.
----Petitioners
Versus
1. Union Of India, Through The Secretary, Department Of
Agriculture, Cooperation And Farmers Welfare,
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Government Of India, Krishi Bhawan, New Delhi- 110001.
2. The Chief Executive Offers, Department Of Agriculture,
Cooperation And Farmer Welfare, Government Of India
Krishi Bhawan, New Delhi- 110001.
3. State Of Rajasthan, Through The Principle Secretary
Department Of Agriculture, Government Of Rajasthan,
Jaipur.
4. The Principal Secretary, Department Of Co-Operative
Society, Government Of Rajasthan, Jaipur.
5. The Registrar, Cooperative Societies, Nehru Sahkar
Bhawan, 22 Godam, Jaipur.
6. The Commissioner, Agriculture Commissionrate Of
Agriculture, Government Of Rajasthan, Pant Krishi
Bhawan, Jaipur.
7. The District Collector, Nagaur.
8. The Joint Director (Extension), Department Of
Agriculture, Nagaur.
9. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Managing Director, Gandhi Chowk, Nagaur.
10. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Branch Managar, Jayal, District Nagaur.
11. The Manager, Cooperative Gram Seva Sahkari Samiti
Limited, Kamedia, Gram Panchayat Kamediya, I District
Nagaur.
12. The Manager, Reliance General Insurance Company Ltd.,
(Regional Officer), Man Upasana Plot No. C-44, 6Th Floor,
Sardar Patel Marg, C-Scheme, Jaipur 302001.
----Respondents
S.B. Civil Writ Petition No. 3742/2025
Ramnivas S/o Padma Ram, Aged About 53 Years, Village And
Post Kamediya, Tehsil Deh, District Nagaur.
----Petitioner
Versus
1. Union Of India, Through The Secretary, Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishi Bhawan, New Delhi- 110001.
2. The Chief Executive Offers, Department Of Agriculture,
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Cooperation And Farmer Welfare, Government Of India,
Krishi Bhawan, New Delhi- 110001.
3. State Of Rajasthan, Through The Principle Secretary
Department Of Agriculture, Government Of Rajasthan,
Jaipur.
4. The Principal Secretary, Department Of Co-Operative
Society, Government Of Rajasthan, Jaipur.
5. The Registrar, Cooperative Societies, Nehru Sahkar
Bhawan, 22 Godam, Jaipur.
6. The Commissioner, Agriculture Commissionrate Of
Agriculture, Government Of Rajasthan, Pant Krishi
Bhawan, Jaipur.
7. The District Collector, Nagaur.
8. The Joint Director (Extension), Department Of
Agriculture, Nagaur.
9. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Managing Director, Gandhi Chowk, Nagaur.
10. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Branch Managar, Jayal, District Nagaur.
11. The Manager, Cooperative Gram Seva Sahkari Samiti
Limited, Kamedia, Gram Panchayat Kamediya, District
Nagaur.
12. The Manager, Reliance General Insurance Company Ltd.,
(Regional Officer), Man Upasana Plot No. C-44, 6Th Floor,
Sardar Patel Marg, C-Scheme, Jaipur 302001.
----Respondents
S.B. Civil Writ Petition No. 3914/2025
Padam Das S/o Badri Das, Aged About 69 Years, Village And Post
Kamediya , Tehsil Deh , District Nagaur.
----Petitioner
Versus
1. Union Of India, Through The Secretary Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishi Bhawan, New Delhi- 110001.
2. The Chief Executive Offers, Department Of Agriculture,
Cooperation And Farmer Welfare, Government Of India
Krishi Bhawan, New Delhi- 110001.
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3. State Of Rajasthan, Through The Principle Secretary
Department Of Agriculture, Government Of Rajasthan,
Jaipur.
4. The Principal Secretary, Department Of Co-Operative
Society, Government Of Rajasthan, Jaipur.
5. The Registrar, Cooperative Societies, Nehru Sahkar
Bhawan, 22 Godam, Jaipur.
6. The Commissioner, Agriculture Commissionrate Of
Agriculture, Government Of Rajasthan, Pant Krishi
Bhawan, Jaipur.
7. The District Collector, Nagaur.
8. The Joint Director (Extension), Department Of
Agriculture, Nagaur.
9. The Nagaur Central Cooperative Bank Ltd., Nagaur
Through Its Managing Director, Gandhi Chowk, Nagaur.
10. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Branch Managar, Jayal, District Nagaur.
11. The Manager, Cooperative Gram Seva Sahkari Samiti
Limited, Kamedia, Gram Panchayat Kamediya, I District
Nagaur
12. The Manager, Reliance General Insurance Company Ltd.,
(Regional Officer), Man Upasana Plot No. C-44, 6Th Floor,
Sardar Patel Marg, C-Scheme, Jaipur 302001.
----Respondents
S.B. Civil Writ Petition No. 3920/2025
Uma Ram S/o Kumbha Ram, Aged About 72 Years, Village And
Post Kamediya , Tehsil Deh , District Nagaur.
----Petitioner
Versus
1. Union Of India, Through The Secretary Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishi Bhawan, New Delhi- 110001.
2. The Chief Executive Offers, Department Of Agriculture,
Cooperation And Farmer Welfare, Government Of India
Krishi Bhawan, New Delhi- 110001.
3. State Of Rajasthan, Through The Principle Secretary
Department Of Agriculture, Government Of Rajasthan,
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Jaipur.
4. The Principal Secretary, Department Of Co-Operative
Society, Government Of Rajasthan, Jaipur.
5. The Registrar, Cooperative Societies, Nehru Sahkar
Bhawan, 22 Godam, Jaipur.
6. The Commissioner, Agriculture Commissionrate Of
Agriculture, Government Of Rajasthan, Pant Krishi
Bhawan, Jaipur.
7. The District Collector, Nagaur.
8. The Joint Director (Extension), Department Of
Agriculture, Nagaur.
9. The Nagaur Central Cooperative Bank Ltd., Nagaur
Through Its Managing Director, Gandhi Chowk, Nagaur.
10. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Branch Managar, Jayal, District Nagaur.
11. The Manager, Cooperative Gram Seva Sahkari Samiti
Limited, Kamedia, Gram Panchayat Kamediya, District
Nagaur
12. The Manager, Reliance General Insurance Company Ltd.,
(Regional Officer), Man Upasana Plot No. C-44, 6Th Floor,
Sardar Patel Marg, C-Scheme, Jaipur 302001.
----Respondents
S.B. Civil Writ Petition No. 15853/2025
1. Durga Ram S/o Pema Ram, Aged About 68 Years, Village
And Post Kamediya, Tehsil Deh, District Nagaur.
2. Umeda Ram S/o Kala Ram, Aged About 80 Years, Village
And Post Kamediya, Tehsil Deh, District Nagaur.
----Petitioners
Versus
1. Union Of India, Through The Secretary, Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishi Bhawan, New Delhi- 110001.
2. The Chief Executive Officer, Department Of Agriculture,
Cooperation And Farmer Welfare, Government Of India,
Krishi Bhawan, New Delhi- 110001.
3. The Nagaur Central Cooperative Bank Ltd., Nagaur
Through Its Managing Director, Gandhi Chok, Nagaur.
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4. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Branch Manager, Jayal, District Nagaur.
----Respondents
S.B. Civil Writ Petition No. 18853/2025
Bau Devi W/o Bhanwar Lal, Aged About 60 Years, Village And
Post Kamediya, Tehsil Deh, District Nagaur.
----Petitioner
Versus
1. Union Of India, Through The Secretary, Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishi Bhawan, New Delhi - 110001
2. The Chief Executive Officer, Department Of Agriculture,
Cooperation And Farmers Welfare, Government Of India,
Krishi Bhawan, New Delhi - 110001
3. The Nagaur Central Cooperative Bank Ltd., Nagaur
Through Its Managing Director, Gandhi Chok, Nagaur.
4. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Branch Manager, Jayal, District Nagaur.
----Respondents
S.B. Civil Writ Petition No. 19466/2025
Ganga Ram S/o Arjun Ram, Aged About 57 Years, Resident Of
Village And Post Kamediya, Tehsil Deh, District Nagour.
----Petitioner
Versus
1. Union Of India, Through The Secretary, Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishibhawan, New Delhi- 110001.
2. The Chief Executive Offers Department Of Agriculture,
Cooperation And Farmers Welfare, Government Of India,
Krishibhawan, New Delhi- 110001.
3. The Nagaur Central Cooperative Bank Ltd., Nagaur
Through Its Managing Director, Gandhi Chok, Nagaur.
4. The Nagaur Central Cooperative Bank Ltd., Through Its
Branch Manager, Jayal, District Nagaur.
----Respondents
S.B. Civil Writ Petition No. 20005/2025
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The Nagaur Central Cooperative Bank Limited, Nagaur Through
Its Managing Director At Nagaur.
----Petitioner
Versus
1. Union Of India, Through The Secretary, Department Of
Agriculture And Farmers Welfare, Government Of India,
Krishi Bhawan, New Delhi - 110001.
2. The Chief Executive Officer, Department Of Agriculture
And Farmers Welfare, Government Of India, Krishi
Bhawan, New Delhi - 110001.
3. The Principal Secretary, Department Of Agriculture,
Government Of Rajasthan, Main Building Government
Secretariat, Jaipur 302005.
4. The General Manager, State Bank Of India, Rajasthan
Region, Tilak Marg, C-Scheme, Jaipur, Rajasthan.
5. The Chairman And Managing Director, Agriculture
Insurance Company Of India, Flat B And C, 5Th Floor,
Block-1, East Kidwai Nagar, New Delhi.
6. Shri Rakesh Jain, Executive Director And Ceo, Reliance
General Insurance Company Ltd., Reliance Centre, Sought
Wing, 4Th Floor, Off. Western Express Highway, Santacruz
(East), Mumbai.
7. Ramuram S/o Chunna Ram, Aged About 50 Years, Village
And Post Kamediya, Tehsil Deh, District Nagour,
Rajasthan.
8. Kamediya Gram Seva Sahkari Samiti Limited, Kamediya,
District Nagaur Through Its Chairman.
----Respondents
S.B. Civil Writ Petition No. 20826/2025
Munna Ram S/o Bhanwar Lal, Aged About 41 Years, Village And
Post Kamediya, Tehsil Deh, District Nagaur.
----Petitioner
Versus
1. Union Of India, Through The Secretary, Department Of
Agriculture, Cooperation And Farmers Welfare,
Government Of India, Krishibhawan, New Delhi- 110001
2. The Chief Executive Offers Department Of Agriculture,
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Cooperation And Farmers Welfare, Government Of India,
Krishibhawan, New Delhi- 110001
3. The Nagaur Central Cooperative Bank Ltd., Nagaur
Through Its Managing Director, Gandhi Chok, Nagaur
4. The Nagaur Central Cooperative Bank Ltd., Nagaur,
Through Its Branch Manager, Jayal, District Nagaur.
----Respondents
For Petitioner(s) : Mr. Ram Dev Potalia
Mr. Sunil Choudhary
For Respondent(s) : Mr. Surendra Choudhary
Mr. TRS Sodha
Mr. Deepak Bora
Mr. Brijesh Bhintal for Mr. Kirta Ram
Meghwal on behalf of UOI
HON'BLE MR. JUSTICE KULDEEP MATHUR
Order
Reserved on: 05/02/2026
Pronouncement on: 17/02/2026
Introduction
1. The instant batch of writ petitions has been filed by two sets
of petitioners, i.e., farmers of Patwar Area Kamediya, District
Nagaur, and the Nagaur Central Cooperative Bank Ltd.
(hereinafter referred to as "the Co-operative Bank").
2. The petitioners-farmers seek a direction to the respondent
Co-operative Bank to comply with the directions contained in the
order dated 09.10.2024 passed by the High Level Committee
constituted by the Ministry of Agriculture & Farmers' Welfare,
Department of Agriculture and Farmers Welfare and Cooperation,
and to disburse the insurance claim amount in their favour.
Whereas the Co-operative Bank seeks quashing of the said order
dated 09.10.2024 of the High Level Committee.
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Facts of the Case
3. In a nutshell, the controversy involved in these matters is
that the petitioners-farmers, who are members of Cooperative
Gram Seva Sahkari Samiti Ltd., Kamediya, District Nagaur
(hereinafter referred to as "the Cooperative Society"), which is
affiliated with the Nagaur Central Cooperative Bank Ltd.
(hereinafter referred to as "the Co-operative Bank"), had opted for
the Kharif 2020 crop insurance policy, which was implemented
under the Pradhan Mantri Fasal Bima Yojana, by furnishing all the
requisite documents and details to the Co-operative Bank.
4. The controversy arose when, during the year 2020, owing to
scanty rainfall in Patwar Area Kamediya, the Kharif crop suffered
extensive damage on account of burning, resulting in substantial
financial loss to the farmers, who claimed the insurance amount
from the Co-operative Bank for such crop losses. However, due to
wrong mentioning/entering of the name of Patwar Area Kamediya
as Patwar Area Kherat on the National Crop Insurance Portal
(NCIP), the claims of the farmers remained unsettled.
5. Upon non-payment of the insurance claim, the petitioners
approached the Co-operative Bank seeking release of
compensation. The officials of the Co-operative Bank informed the
petitioners that due to an inadvertent error, the Patwar Area had
been wrongly shown as Kherat on the National Crop Insurance
Portal (NCIP) and, therefore, their claims could not be processed
successfully. Thereafter, the petitioners submitted a representation
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dated 05.04.2021 to the Co-operative Bank requesting correction
of the details furnished by them in the insurance forms,
particularly with respect to the Patwar/revenue village, and
requested that they should not be made to suffer on account of an
error committed by the bank officials. Since no action was taken
by the Co-operative Bank, the farmers approached this Court by
filing S.B. Civil Writ Petition No.15137/2021, which came to be
disposed of vide order dated 27.10.2021, directing the competent
authority to consider and decide the farmers' representations and
to take necessary steps in accordance with law.
6. As no effective relief was forthcoming, the farmers again
approached this Court by filing S.B. Civil Writ Petition
No.6128/2024, which was decided vide order dated 08.07.2024,
directing the High Level Committee constituted by the Central
Government to examine and decide the farmers' claim for grant of
compensation in respect of the Kharif crop for the year 2020.
7. Pursuant thereto, the High Level Committee, after affording
an opportunity of hearing to all the parties, decided the farmers'
representation vide order dated 09.10.2024 by holding the Co-
operative Bank liable to make payment towards settlement of the
farmers' insurance claims, as the revenue village had been
wrongly mentioned on the National Crop Insurance Portal (NCIP)
solely due to inadvertence on the part of the bank officials.
8. Thereafter, the Co-operative Bank submitted a detailed reply
in the form of a letter dated 11.12.2024 to the High Level
Committee seeking revocation of its order dated 09.10.2024,
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enumerating certain grounds. The High Level Committee duly
considered the Co-operative Bank's reply/letter and thereafter
passed an order dated 03.01.2025 reiterating the same
observations and directions as issued in the order dated
09.10.2024.
9. Despite the said order, the Co-operative Bank has declined to
disburse the insurance claim amount to the farmers.
Arguments on behalf of the Petitioners-Farmers
10. Learned counsel appearing on behalf of the petitioners-
farmers submits that the petitioners are small and marginal
farmers who are solely dependent on income from agriculture.
Learned counsel for the petitioners-farmers submitted that the
farmers had opted for the Kharif 2020 crop insurance scheme
under the Pradhan Mantri Fasal Bima Yojana by duly submitting all
requisite documents to the Co-operative Society, which is affiliated
with the Co-operative Bank.
11. It was vehemently submitted that the sole reason for denial
of the insurance claim to the petitioners-farmers was an error
committed at the end of the Co-operative Bank, inasmuch as the
Patwar/revenue village of the petitioners was incorrectly reflected
as "Kherat" instead of "Kamediya" on the online National Crop
Insurance Portal (NCIP) by the Co-operative Bank. Learned
counsel submitted that the petitioners cannot be penalized for a
mistake which is entirely attributable to the bank officials and over
which the petitioners had no control.
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12. Learned counsel further submitted that the Co-operative
Bank has itself admitted, before the authorities/committees, that
the Patwar/revenue village was inadvertently changed due to a
clerical error committed by its officials. It is contended that once
such an admission is on record, the bank cannot be permitted to
shirk its responsibility and deny the legitimate claim of the
petitioners. It was also submitted that the petitioners diligently
pursued their remedy by submitting representations and by
approaching this Court on multiple occasions. Pursuant to the
directions issued by this Court in earlier rounds of litigation, the
High Level Committee constituted by the Central Government
examined the matter in detail and, after granting an opportunity
of hearing to all concerned parties, passed a reasoned order dated
09.10.2024 directing the Co-operative Bank to settle the insurance
claims of the petitioners.
13. Learned counsel contended that the order passed by the
High Level Committee does not suffer from any illegality,
perversity, or jurisdictional error and is based on a clear finding of
fact that the incorrect mentioning of the revenue village was due
to a clerical error on the part of the bank officials. It is submitted
that the refusal of the Co-operative Bank to comply with the said
order is arbitrary, unjustified, and violative of the fundamental
rights of the petitioners-farmers enshrined under Articles 14 and
21 of the Constitution of India.
14. Lastly, learned counsel submitted that the very object of the
Pradhan Mantri Fasal Bima Yojana, which is to provide timely
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financial support to farmers in the event of crop loss, would stand
defeated if the petitioners-farmers are denied just compensation
on account of a technical error committed by the implementing
agency.
15. On these grounds, it was prayed that the writ petitions filed
by the petitioners-farmers be allowed and the Co-operative Bank
be directed to forthwith release the insurance claim amount in
terms of the orders dated 09.10.2024 and 03.01.2025.
Arguments on behalf of the Nagaur Central Co-operative
Bank
16. Learned counsel representing the Nagaur Central Co-
operative Bank submitted that the impugned orders dated
09.10.2024 and 03.01.2025 passed by the High Level Committee
are illegal, arbitrary, and beyond the scope of its jurisdiction. It
was contended that under the Pradhan Mantri Fasal Bima Yojana,
the role of the Co-operative Bank is limited and confined to that of
an intermediary, acting as a nodal agency between the Primary
Co-operative Society and its member-farmers.
17. Learned counsel submitted that the Co-operative Bank
merely receives the insurance premium from the concerned Co-
operative Society and uploads the information on the National
Crop Insurance Portal (NCIP) strictly on the basis of the data
supplied by the said society. It was contended that the bank
neither verifies the correctness of the underlying beneficiary
details nor has any independent role in determination of eligibility,
assessment of loss, or settlement of claims under the scheme.
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18. It was further submitted that in the present case, there is no
dispute that the Co-operative Bank deposited the insurance
premium well within the prescribed time and uploaded the
information as made available to it by the concerned Co-operative
Society. Learned counsel contended that the incorrect mentioning
of the Patwar/revenue village occurred because the Manager of
the Co-operative Society furnished defective and erroneous
information of the beneficiaries under the Pradhan Mantri Fasal
Bima Yojana, which was mechanically uploaded by the Co-
operative Bank on the National Crop Insurance Portal (NCIP).
19. Learned counsel vehemently submitted that since the
erroneous data originated from the Co-operative Society, the Co-
operative Bank cannot be fastened with liability for the
consequences flowing therefrom. It was submitted that if any loss
has been caused to the petitioners-farmers on account of
incorrect information, the same is attributable solely to the
concerned Co-operative Society, which alone is responsible for
making good the loss suffered by its member-farmers.
20. It was also contended that the High Level Committee has
exceeded its jurisdiction in directing the Co-operative Bank to
disburse the insurance claim amount, particularly when there is no
statutory or contractual obligation upon the bank to pay
compensation. Learned counsel submitted that even assuming an
inadvertent error, the scheme does not contemplate settlement of
claims on equitable considerations or at the cost of the
implementing agency. It was lastly argued that permitting such
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claims at a belated stage would open the floodgates of similar
disputes and would adversely impact the uniform and time-bound
implementation of the crop insurance scheme.
21. On these grounds, learned counsel implored the Court that
the writ petitions filed by the Co-operative Bank be allowed and
the orders dated 09.10.2024 and 03.01.2025 passed by the High
Level Committee be quashed and set aside, and consequently, the
writ petitions filed by the farmers be dismissed.
Court's Analysis and Observations
22. Heard learned counsel for the parties. Perused the material
available on record.
23. At the outset, this Court finds that it is not in dispute that
the petitioners-farmers had opted for coverage under the Pradhan
Mantri Fasal Bima Yojana for the Kharif crop 2020; that the
requisite insurance premium was paid within the stipulated time;
and that crop loss occurred due to scanty rainfall. It is also an
admitted position that the insurance claims of the petitioners were
not settled solely on account of incorrect mentioning of the
Patwar/revenue village on the National Crop Insurance Portal
(NCIP).
24. The central question that arises for consideration is whether
the petitioners-farmers can be deprived of the insurance benefit
under a welfare scheme for no fault attributable to them, and
whether the High Level Committee committed any illegality in
directing the Co-operative Bank to settle their claims.
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25. A bare perusal of the revamped operational guidelines of the
Pradhan Mantri Fasal Bima Yojana makes it clear that the primary
objective of the scheme is to provide comprehensive risk coverage
and financial support to farmers in the event of crop loss or
damage arising out of natural calamities, pest attacks, or
diseases. The scheme is designed to safeguard the interests of
farmers by mitigating the financial distress caused by unforeseen
agricultural risks. The PMFBY seeks to ensure income stability for
farmers by covering crop-related risks from the pre-sowing stage
to the post-harvest period, thereby offering a holistic insurance
framework. By reducing the vulnerability of farmers to crop
failure, the scheme aims to instill confidence in agricultural
activities and encourage the adoption of modern and improved
farming practices. Additionally, it plays a crucial role in sustaining
the flow of institutional credit to the agricultural sector, thereby
contributing to the overall stability and growth of the rural
economy.
26. In the opinion of this Court, the incorrect reflection of the
Patwar/revenue village was the result of an error occurring during
the process of uploading data on the National Crop Insurance
Portal (NCIP). The petitioners-farmers had furnished the requisite
particulars to the concerned Primary Co-operative Society and had
no role whatsoever in the online data entry process. They neither
had access to the National Crop Insurance Portal (NCIP) nor any
control over the manner in which the information was uploaded.
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27. This Court finds it apposite to refer to the administrative
framework governing the implementation of the Pradhan Mantri
Fasal Bima Yojana. The Department of Agriculture, Farmers
Welfare and Cooperation, Government of India issued
administrative orders and guidelines for implementing schemes
through letters in the years 2019 and 2020.
28. The applicable clause of the revamped operational guidelines
of Pradhan Mantri Fasal Bima Yojana are reproduced below for
ready reference:
"2.9 Only farmers whose data is uploaded on the National
Crop Insurance Portal shall be eligible for Insurance
coverage and the premium subsidy from State and Central
Govt. will be released accordingly.
2.11 The Banks/Financial Institutions (FIs)/other
intermediaries need to compulsorily transfer the individual
farmer's data electronically to the NCIP. Accordingly, banks/
Fls may endeavor to undertake Core Banking System (CBS)
integration in a time bound manner for real-time transfer of
information/data.
16.9 It may be noted that, under no circumstance, will
MoA&FW except under clause 16.6 or any State/UT' extend
the cut-off dates for enrolment of farmers. However, in case
the States/UTs decide to do so, it may be done only in
agreement with implementing IC. In such cases, however
no central premium subsidy will be provided for the
areas/farmers/crops which are covered/insured in the
extended period and the concerned State/UT has to bear
the entire subsidy liability for the coverage in the extended
period.
17.2 Consolidated declaration/ formats to be
uploaded/entered electronically by Nodal Banks/Branches
shall contain details about total insured area of the farmers,
number of Loanee and Non-loanee farmers enrolled, Total
Premium Amount remitted, premium remittance Unique
Transaction Reference (UTR no.) and Date of remittance as
per the format provided on the NCIP. Banks are required to
upload the insured farmers' data mandatorily on the
National Crop Insurance Portal. No other farmers whose
data is uploaded on the NCIP shall only be eligible for
Insurance coverage and accordingly, the premium subsidy
will also be released. In cases where farmers are denied
crop insurance due to incorrect/partial/non-uploading of
their details on Portal, concerned Banks/Intermediaries
shall be responsible for payment of claims (If any).
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21.5.3.2 Available to all insured farmers, at farm unit level,
affected by above mentioned perils in a Notified IU growing
notified crops for which insurance has been availed.
21.5.3.5 Only those farmers would be eligible for financial
support under this cover who have paid the premium ie. the
premium has been debited from their account before the
occurrence of the insured peril.
35.5.9 Concerned Bank and its branches should ensure
digitization of insured farmer details on NCIP along with
details of remittance of premium within stipulated time. The
consolidated premium of farmers share will be remitted
electronically through the payment gateway of NCIP
followed by the compulsory entry of payment details on the
Portal for proper and timely reconciliation by the ICs. If the
Concerned Bank and its branches are not able to remit the
amount of premium collected /debited within defined
timeline to the concerned ICs then they will be liable to pay
the admissible claims to farmers who are deprived of
insurance cover.
35.5.13 Banks should ensure that farmer are not deprived
of any benefit under the Scheme due to
errors/omissions/commissions of the concerned branch/
PACS, and in case of such errors, the concerned agencies
shall have to make good of all such losses."
29. The High Level Committee constituted by the Ministry of
Agriculture & Farmers' Welfare, Department of Agriculture and
Farmers Welfare and Cooperation, acting in terms of the scheme
guidelines and pursuant to the directions issued by this Court,
examined the dispute and recorded a clear finding that the
incorrect mentioning of the Patwar/revenue village was a result of
inadvertence on the part of the implementing machinery. In view
of paragraph 24 of the notification, the decision of the Central
Committee carries binding force and cannot be lightly interfered
with in the exercise of writ jurisdiction. The relevant portion of the
order dated 03.01.2025 passed by the High Level Committee
while rejecting the contentions raised by the Co-operative Bank,
Nagaur, with regard to its liability to compensate the farmers
against the Kharif 2020 crop insurance, is reproduced below for
ready reference:
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"C) As per the clause 27 of the Revamped Operational
Guidelines of PMFBY, Banks and other financial institutions
etc. shall be paid the service charges @ 4% of the farmer's
share of premium by Insurance Company for the farmers
enrolled by the bank branches. As per the documents
submitted by the insurance company, the Nagaur Central
Cooperative Bank Ltd. had raised an invoice dated
24/03/2021 of Rs.51,06,883.75 (Service charges @4%
Rs.43,27,867.59 + CGST @9% Rs.3,89,508.08 + SGST @9%
Rs.3,89,508.08) to the insurance company against which the
service charges for enrolling these farmers have been paid by
the insurance company to the concerned bank.
D) It is observed that although the Nagaur Central
Cooperative Bank Ltd. and the Kamediya Gram Sahakari
Samiti are two separate entities and the farmers are the
members of the said society, however it is seen that the task
of remittance of the premium of these farmers has been
executed by the bank. As per the operational guidelines the
service charges are payable by the insurance companies
against the enrollment of farmers whose data is entered on
the PMFBY portal and is linked to the premium transmitted by
the bank to the insurance company. Even if the responsibility
of entering or feeding the farmers data corresponding to the
cligible farmers was given to any employee of the society,
however, the premium on behalf of the farmers is remitted
by the Nagaur Central Cooperative Bank Ltd. to the
concerned Insurance Company. Further, the responsibility for
deficiency of service for which the bank has received the
service charges falls upon the bank. The bank has remitted
the farmers premium and availed the service charges for all
farmers applications entered on PMFBY Portal which includes
the data which was correctly entered and also for the
petitioners' data which was incorrectly entered by who so
ever had entered the data. And this practice seems to have
been followed across every season. Further, the login ID
credentials for the concerned Primary Agriculture Cooperative
Society (PACS) users were also created by the Nagaur
Central Cooperative Bank Ltd using which the data entry of
the farmers was done by this PACS user.
E) Under PMFBY, the unit of insurance is a very important
factor, and it has to be correct. In this case despite the fact
that the petitioner farmers have been insured, but their
insurance unit being wrongly entered on PMFBY Portal by the
PACS user has led to a situation where farmers got insured
over incorrect insurance unit on account of which they have
either not received the claims or have received less claims
which might have arose in the actual village of the petitioners
but did not get as the name of village was incorrectly entered
by the PACS user Further, since the service charges against
transmission of the farmers premium debited from the loan
account of the farmers and against the entry of
corresponding farmers data on PMFBY Portal have been
claimed by the Nagaur Central Cooperative Bank Ltd from the
implementing Insurance Company therefore the responsibility
of any deficiency in services should also be borne by the
same bank. The bank is free to recommend any action for the
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negligence conducted by the employee of the society in
entering the farmers data on PMFBY Portal.
F) Here the question is not that the Society and bank are
separate entities but the fact that it is the responsibility of
the banks / Financial Institutions to enroll the loance farmers
growing notified crops and who do not opt-out from the
scheme and compliance of the process of enrolment involving
debit / remittance of the farmers premium to the insurance
company within the cut-off date and to also enter the correct
data of farmers on the PMFBY portal. To complete this
process by the Bank the designated service charge of 4% of
the total transmitted premium was also paid by the insurance
company to the bank. In this case invoice for the service
charges is raised by the bank and service charges have also
been paid to the bank. The bank in its reply to the Writ
Petition no.5752/2022 before the High Court of Judicature for
Rajastan at Jodhpur has also mentioned at point 1 that,
"Thus, the function of the Co-operative Banks is to
ensure compulsory coverage of the loanee farmers and
their submission of Premium and Details as required.""
30. This Court, keeping in view the clauses of the revamped
operational guidelines of the PMFBY reproduced above and the
orders of the High Level Committee, cannot accept the contention
of learned counsel for the Co-operative Bank that its role was
merely that of a middleman and that it is thereby absolved of any
responsibility with respect to the correctness of the data uploaded
on the insurance portal. The scheme and the notification
specifically cast a duty upon the bank to check and recheck all
entries before uploading the data in accordance with the
prescribed guidelines. The bank cannot be permitted to dilute such
responsibility by shifting the entire blame onto the Co-operative
Society.
31. Undisputedly, the petitioners-farmers had no access to the
National Crop Insurance Portal (NCIP) and no role in the process
of uploading the data. The entire electronic interface under the
scheme is handled by the financial institutions. Any error occurring
at that stage, therefore, cannot be visited upon the beneficiaries,
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[2026:RJ-JD:8745] (31 of 32) [CW-16961/2025]
particularly when they had fulfilled all their obligations under the
scheme.
32. This Court also cannot lose sight of the fact that this is the
third round of litigation undertaken by the petitioners-farmers in
relation to their insurance claims for the Kharif crop of 2020.
Despite approaching this Court earlier and despite a clear
adjudication by the High Level Committee, the petitioners have
yet to be compensated for the crop loss suffered by them.
33. The petitioners are small and marginal farmers having their
only source of income based on farming, and to protect their
livelihood, the Government of India has implemented the Pradhan
Mantri Fasal Bima Yojana. However, the Co-operative Bank has
deprived the farmers of the benefit of such scheme without there
being any fault on their part. Rather, the petitioners-farmers had
to suffer the agony of litigation thrice to obtain their legitimate
claim under the scheme.
Conclusion
34. For the foregoing reasons, the writ petitions filed by the
Nagaur Central Co-operative Bank Ltd. challenging the orders
dated 09.10.2024 and 03.01.2025 passed by the High Level
Committee are devoid of merit and are hereby dismissed.
35. The writ petitions filed by the petitioners-farmers are
allowed. The respondent Nagaur Central Co-operative Bank Ltd. is
directed to comply with the orders dated 09.10.2024 and
03.01.2025 passed by the High Level Committee in their true
spirit and to ensure disbursement of the admissible insurance
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[2026:RJ-JD:8745] (32 of 32) [CW-16961/2025]
claim amount along with applicable interest to the petitioners-
farmers, in accordance with law, within a period of eight weeks
from the date of receipt of a certified copy of this order.
36. Stay applications and other application(s), if any, also stand
disposed of.
37. No order as to costs.
38. A copy of this order be placed in each file.
(KULDEEP MATHUR),J
81-100-himanshu/-
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