“This government is good for nothing,” says Ram Chander, as he shows his passbook, pointing towards respective instalments deducted under the Pradhan Mantri Fasal Bima Yojana since 2017.

The last installment, amounting to Rs 729, was debited from his account on 31 July 2018.

Enrolment under the BJP government’s flagship crop insurance scheme didn’t help Ram Chander in any way.

In February 2018, when his crops were destroyed by a hailstorm, he did receive a message from the bank on his mobile phone regarding damages, but the insurance amount was never credited to his account.

In 2019, Ram Chander decided to approach the High Court in Chandigarh, hoping to get monetary compensation and justice.