State - West Bengal Division - Burdwan. Soil Type. Category Total Male Female Rural Urban Population

Transcription

1 District - Hooghly District Profile Appendix-l State - West Bengal Division - Burdwan 1 PHYSICAL & ADMINISTRATIVE FEATURES Total Geographical Area (Sq.km) 3149 No. of Sub Divisions 4 No. of Blocks 18 No. of Villages (Inhabited) 1886 No. of Panchayats LAND UTILISATION [hal Total Area Reported Forest Land 649 Area Not Available for Cultivation Permanent Pasture and Crazing Land 8 Land under Miscellaneous Tree Crops 1588 Cultivable Wasteland 1518 Current Fallow 594 Other Fallow 119 Net Sown Area Total or Gross Cropped Area Area Cultivated More than Once Cropping Intensity [GCA/NSA] WORKERS PROFILE [in 000] Cultivators 2779lli Of the above, Small/Marginal Farmers Agricultural Labourers Workers engaged in Household Industries Workers engaged in Allied Agro-activities Other workers HOUSEHOLDS [in '000] Total Households Rural Households BPL Households 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] Villages Electrified 1105 Villages having Agriculture Power Supply 256 Villages having Post Offices 1080 Villages having Banking Facilities 1241 Villages having Primary Schools 1607 Villages having Primary Health Centres 67 Villages having Potable Water Supply 1884 Villages connected with Paved Approach Roads IRRIGATION COVERAGE [Ha] Total Area Available for Irrigation (NIA + Fallow) Irrigation Potential Created Net Irrigated Area(Total area irrigated at least once) Area irrigated by Canals / Channels Area irrigated by Wells Area irrigated by Tanks Area irrigated by Other Sources Irrigation Potential Utilized (Gross Irrigated Area) AGRO-PROCESSING UNITS Type of Processing Activity No of units Cap. [MT] Food (Rice/Flour/Dal/Oil/Tea/Coffee) I Sugarcane (Gur/Khandsari/Sugar) Fruit (Pulp/Juice/Fruit drink) Spices (Masala Powders/Pastes) Dry-fruit (Cashew/ Almond/Raisins) Cotton (Ginnining/Spinning/Weaving) Milk (Chilling/Cooling/Processing) Meat (Chicken/Mutton/Pork/Dry fish) 1 Animal feed (Cattle/Poultry /Fishmeal) ANIMAL POPULATION AS PER CENSUS 2007 [in 000] Category of animal Total Male Female Cattle - Cross bred Cattle - Indigenous Buffaloes Sheep - Cross bred Sheep - Indigenous Goat Pig - Cross bred Pig - Indigenous Horse/Donkey/Camel Poultry - Cross bred 1253 N.A. N.A. Poultry - Indigenous 1863 N.A. N.A. 2. SOIL & CLIMATE Agro-climatic Zone Lower Gangetic Plains - Central Alluvial Plains Climate Moist sub-humid to dry sub-humid Soil Type Red & yellow, deltaic, alluvial, red, loamy 4. RAINFALL & GROUND WATER Normal Actual Rainfall [in mm] Variation from Normal Availability of Ground Water Net annual recharge Net annual draft Balance [Ham] Classification of Holding 5 DISTRIBUTION OF LAND HOLDING Holding Area Nos. % to Total ha. % to Total <-1 ha >1 to <-2ha >2ha Total Category Total Male Female Rural Urban Population Scheduled Scheduled Caste Tribe Literate BPL Anganwadis Primary Health Centres Primary Health Sub-Centres 7 DEMOGRAPHIC PROFILE [in 000] 12 INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Fertiliser/Seed/Pesticide Outlets [Nos] 4765 Agriculture Pumpsets[Nos] N.A. Total N/P /K Consumption [MT] Pumpsets Energised [Nos] N.A. Certified Seeds Supplied [MT] N.A. Agro Service Centres [Nos] N.A. Pesticides Consumed [MT] N.A. Soil Testing Centres [Nos] 5 Agriculture Tractors [Nos] 224 Plantation nurseries [Nos] N.A. Power Tillers [Nos] 4955 Farmers' Clubs [Nos] 417 Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos] 1 14 INFRASTRUCTURE FOR STORAGE TRANSPORT & MARKETING Rural/Urban Mandi/Haat [Nos] 216 "Wholesale Market [Nos] 3 Length of Pucca Road [Km] 5746 Godown [Nos] 26 Length of Railway Line [Km] Godown Capacity[MT] Public Transport Vehicle [Nos] Cold Storage [Nos] 136 Goods Transport Vehicle [Nos] Cold Store Capacity[MT] Crop 16 AREA PRODUCTION & YIELD OF MAJOR CROPS 2lli3-14 2lli4-15 Avg. Yield Area (ha) Prod. (MT) Area (ha) Prod. (MT) [MT/ha] Paddy (Aman) % Paddy (Bora) "Wheat Jute bales 15 bales Zha Potato Vegetables Total Production ofcotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 18 INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Veterinary Hospitals/Dispensaries [Nos] 40 Animal Markets [Nos] 4 Disease Diagnostic Centres [Nos] 35 Milk Collection Centres [Nos] 50 Artificial Insemination Centers [Nos] 399 Fishermen Societies [Nos] 32 Animal Breeding Farms [Nos] Fish seed farms [Nos] 1 Animal Husbandry Tng Centres [Nos] 1 Fish Markets [Nos] N.A. Dairy Cooperative Societies [Nos] 50 Poultry hatcheries [Nos] 4 Improved Fodder Farms [Nos] Slaughterhouses [Nos] 19. MILK FISH EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Fish Production [MT] Per cap avail. [gm/ day] 37 Egg Production [Lakh Nos] 2164 Per cap avail. [nos Zp.a.] 43 Milk Production ['000 MT] 473 Per cap avail. [gm/ day] 257 Meat Production [MT] Per cap avail. [gm/ day] 15 Item Nos. 1, 6, 7, 9 & 10 - Census 2001; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of AgrjDir. of Eco. & Stat.; Item No.4 - Dept. of Agr.jWater Resources; Item No.8 - BPL Sources (if not mentioned against the Survey 2002;Item No. 15 _District Ind CentrejDir. of Eco. & Stat.; Item No DACNIT; Item No AH Census 2003;Item Nos. 18 & 19 - Dir. of Animal Hus.jDir. respective item): of Eco. & Stat.

2 Banking Profile Appendix - 2 District- Hooghly West Bengal Lead Bank- UCO Bank NETWORK & OUTREACH (As on 31/03/2014) No. of No. of Branches No. of non-formal agencies associated Per Branch Outreach Banks/Soc. Total Rural Semi-urban Urban mfls/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Banks Regional Rural Bank District Central Coop. Bank Coop. Age. & Rural Dev. Bank Primary Agr. Coop. Society Others (Private banks) All Agencies DEPOSITS OUTSTANDING No. of accounts Amount of Deposit IRs.'OOO] 31-Mar Mar Mar-14 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA NA NA Regional Rural Bank NA NA NA NA NA Cooperative Banks NA NA NA NA NA Others NA NA NA NA NA NA All Agencies NA NA NA NA NA LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan IRs.'OOO] 31-Mar Mar Mar-14 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA NA NA Regional Rural Bank NA NA NA NA NA Cooperative Banks NA NA NA NA NA Others NA NA NA NA NA NA All Agencies NA NA NA NA NA Commercial Banks Regional Rural Bank Cooperative Banks Others 5.55 All Agencies CD-RATIO 5 PERFORMANCE UNDER FINANCIAL INCLUSION (No of Alcs) CD Ratio 1 31-Mar Mar Mar NA During No of No No of No of Smart No of USB Frills AlC BC/BF/CSP Card Issued Opened Commercial Banks Regional Rural Bank Cooperative Banks 2298 Others 6 PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) All Agencies Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Amount % of Total Amount % of Total Amount % of Total Amount % of Total Amount % of Total IRs.'OOO] Loans IRs.'OOO] Loans IRs.'OOO] Loans IRs.'OOO] Loans IRs.'OOO] Loans Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Target I Ach'ment Target Ach'ment Target Ach'ment Achl%] in IRs.'OOO] IRs. '000] IRs.'OOO] IRs. '000] IRs.'OOO] IRs. '000] last 3 years Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Broad Sector Target Ach'ment Target Ach'ment Target Ach'ment Achl%] in IRs.'OOO] IRs. '000] IRs.'OOO] IRs. '000] IRs.'OOO] IRs. '000] last 3 years Crop Loan Term Loan (Agr) Total Agri. Credit MSE Other Priority Sector Total Priority Sector RECOVERY POSITION Average Demand IRs. Recovery Recovery Demand IRs. Recovery Recovery Demand IRs. Recovery Recovery Rec. [%] in '000] IRs. '000] 1%] '000] IRs. '000] 1%] '000] IRs. '000] 1%] last 3 years Commercial Banks NA NA NA NA NA NA NA Regional Rural Bank NA NA NA NA NA NA NA Cooperative Banks NA NA NA NA NA NA NA Others NA NA NA NA NA NA NA All Agencies NA NA NA NA NA NA NA Sources Lead Bank & SLBC

3 EXECUTIVE SUMMARY Hooghly despite being a major industrial district of West Bengal retains its basic rural characteristics with over 70% of its total population depending on Agriculture and its position as one of the major producers of cereals in the State. With highly fertile alluvial soil, well developed irrigation infrastructure, the district can safely be called as an agriculturally advanced district. The cropping intensity in the district is 230%. The total geographical area of this District is ha of which ha (71%)is under cultivation. Out of the total area under cultivation 66% area is covered by irrigation. There are lower DVC projects in the district. More than 95% of land belongs to small and marginal farmers and average size of land holdings is about 0.66 ha. The most striking feature of the industrial development of the district is the imbalance in the industrial growth. While Shrirampore- Uttarpara have a few modern factories and Singur, Jangipara, Tarakeswar, Haripal, Arambag, Dhaniakhali, Polba-Dadpur, Pandua and Balagarh are characterized at the best by Cold Storage, Rice Mills and Brick Fields, the rest of the district, still in the nascent stage of industrial development. In the PLP the projection for the total priority sector lending is pegged at ~ Lakh, as compared to ~ projected in the Base PLP. The Crop Production, Maintenance and Marketing loan was projected as ~ in the Base PLP. Keeping in view the present trend of shifting away from the traditional crops like boro paddy, wheat and jute and increased adoption of vegetables, mustard, til, groundnut and pulses cultivation, an area of ha being 76% of the Gross Cropped Area has been projected to be covered under crop loan for which a financial projection of ~ is arrived at. As the crops like mustard, til, groundnut and pulses are having scale of finance much lower than those of traditional crops like Boro paddy, wheat and jute, the projected bank credit for is less than that assessed in the Base PLP, though the projected area is more than that had been assessed in the Base PLP. The financial projection is based on the latest scale of finance fixed by District Level Technical Committee (DLTC) which is inclusive of 10% towards post- harvest /household /consumption and 20% of the cost as repairs/maintenance of the farm assets, as per RBI guidelines. Although in the district the credit flow of the Agricultural Term Loan is not picking up as required, and accordingly the projection in the Base PLP was kept at ~ lakh but considering the tremendous need of capital formation in the allied sector to sustain growth of about 4% in agriculture and different types of assistance extended by various departments to boost the sector, the huge gap in agricultural infrastructure to be plugged by private investment, the excellent scope of developing ancillary activities including food and agro processing, the potential for the total term loan has been assessed as ~ lakh; contributing 30% of the Credit Potential for Total Agriculture. The projection for MSE Investment in the Base PLP for was ~ lakh. Considering the increased importance of the MSE as a vehicle for inclusive growth, availability of collateral free loan upto ~5.00 lakh under the Credit Guarantee Fund

4 Trust for Micro and Small Enterprises (CGTMSE), prevalence of different schemes like PMEGP, BSKP to promote MSMEs, newly introduced GATIDHARA scheme for generating self- employment in the Urban and Rural areas of the State through promotion of transport service and good performance by the banks at the State level in terms of financing the sector, an upward revision has been assessed and an amount of ~ lakh has been projected for MSME sector for The projection for the other broad sectors as classified by the RBI as Priority Sector are: Export: ~ lakh, Education: ~ lakh, Housing: ~ lakh, Renewable Energy: ~ lakh, Others: ~ lakh other priority sector lending has been revised upward from ~ lakh from the and Social Infrastructure: ~ lakh. Suggested Action Points for realizing the Financial Projection Though 98.19%of farmers having clear Title Deed of land have been covered under KCC in Hooghly as on (Source: Deputy Director of Agriculture, GOWB), large number of actual tillers are excluded due to lack of title deed of land. A survey with the help of gram panchayats to assess the number of farmers who are still excluded from the fold of KCC due to absence of title deed of land and organize them as Joint Liability Groups to avail KCC. The Bankers should extend vegetable and onion loan under KCC, to help farmers shift from less remunerative paddy and risk prone potato cultivation and diversify their cropping practice. The loan requirement per acre of vegetablej onion cultivation is more than that of paddy cultivation, yet farmers use the KCC amount for paddy cultivation to partially cover such cultivation, and the balance they have to manage from consumption expenses or from loan from non-institutional sources. Formation of farmers Producer Organisations for the farmers involved in production of potato, onion and vegetables and providing them support for direct marketing. Farmer Producer Companies may be developed in areas like Balagarh, Pandua, Haripal (Chilling Plant, Onion Paste, Vermin compost), Polba Dadpur, Dhaniakhali, Singur (Fruit Processing & Ripening Units) and Tarakeswar-Pursurah-Arambagh- Khanakul-Goghat belt (Potato- seed and processing variety) availing support under Equity Grant & Credit Guarantee Fund Scheme from the Ministry of Agriculture, Department of Agriculture & Cooperation. Support construction of Rural Godowns by farmersjshgs of capacity more than 250 MT and accredition of the same for scientific storage. Regularize provision of postharvest credit to farmers by the banks against negotiable warehouse receipts to prevent distress sale. The present accredit ion process is very lengthy, cumbersome and uncertain. NABARDjNABCONS may take up with WDRA, New Delhi, to simplify the process and make it more farmer-friendly. Set up of sorting, grading and packing infrastructure for fruits and vegetables in major production belts like Balagarh, Pandua, Chinsurah-Mogra, Polba-Dadpur, Singur & Tarakeswar. Establish Multi- purpose cold storages for vegetables in the vegetable producing belt to save farmers from distress sale. Multipurpose cold storages need to be linked with round the year product cycle and hence FPOs j organized body of farmersjpacs should be the best potential beneficiary to set up such stores. A complete value chain of production, aggregation and storage of horti-produce will ensure viability. The vegetable rich blocks with strong farmer groups may be targeted for the scheme.

5 Promotion of vermi compost in the blocks like Balagarh, Polba Dadpur, Dhaniakhali and Haripal which have large number of cattle and using Farmers Clubs and SHGs for commercialisation of such activities and proper distribution of the compost across the district, specially in the potato belt of Goghat, Arambagh, Khanakul, Pursurah and Tarakeswar, by the Agri-Marketing Department Establishing more number of Drainage cum surface flow MI schemes in the blocks like Chinsurah Mogra, Pandua, Gogaht I and II, Singur, Arambagh, where over utilisation of ground water has taken place in the past years Emphasize Field Channel schemes blocks Haripal, Pandua and Dhaniakhali, where canals (Kana Nadi, Eden Br-I, Kana Damodar, D-I Br) are flowing Promote "Farm Equipment Service Centres" or "Farm Machinery Hubs" offering the equipment on custom hiring. Such facilities may be set up either under entrepreneurship (ACABC) mode or at the PACSs Promote sustainable livelihood activities by SHGs in horticulture, dairy, poultry, goatery, fishery, vermi compost under the facilitation of PACS like Amnan in Polba Dadpur, Vivekananda in Tarakeswar, Kanpur SKUS in Arambagh, which have good experience in nurturing and supporting SHGs. Since the bulk of Rabi Onion is harvested during March-April, just before the onset of the monsoon, the prices of onion decline during this period while the same shoots up during the rainy season. Non-availability of storage facilities at farm level forces farmers to sell their produce immediately after the harvest to save further deterioration during rains. In return, they get the most depressed prices and the middlemen in the trade get the advantage of price volatility of prices of this essential commodity. In order to mitigate the supply crisis during June-September and to help the onion producing farmers reaping remunerative price, naturally ventilated onion storage structure made with brick, bamboo and tin/asbestos/straw, developed by Hooghly Krishi Vigyan Kendra and supported by the Department of Horticulture is proved to be an effective technology. A back ended subsidy to the extent of 50% of the capital cost with an upper limit of Rs from the Department of Horticulture under National Horticulture Mission is prevalent. The Model Scheme on Onion Storage Structure has been prepared by NABARD to demonstrate to the banks that financing for constructing on- farm onion storage structure is a viable proposition. While the working capital for onion cultivation can partially be capitalized with the capital cost of construction of the onion storage structure, increased emphasis is required to be given to bring the crop to the fold of KCC and insurance coverage.

6 Broad Sector wise PLP Projections (~lakh) Sr. No. Particulars PLP Projections A Farm Credit i Crop Production, Maintenance and Marketing II Term Loan for Agriculture and Allied Activities Sub Total B Agriculture Infrastructure C Ancillary activities I Credit Potential for Agriculture (A+B+C) II Micro, Small and Medium Enterprises III Export Credit IV Education V Housing VI Renewable Energy VII Others VIII Social Infrastructure involving bank credit Total Priority Sector (I to VIII)

7 Summary ofsectorjsub-sector wise PLP Projections (~lakh) Sr. No. Particulars PLP Projections I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing II Water Resources III Farm Mechanisation IV Plantation and Horticulture V Forestry and Waste land Development VI Animal Husbandry -Dairy Vll Animal Husbandry -Poultry Animal Husbandry -Sheep/Coat/Piggery Vlll IX Fisheries X Others- Bullock, Bullock cart etc B Agriculture Infrastructure Sub Total i Construction of storage facilities (Warehouses, Market yards, Godowns, Silos, Cold Storage units/cold Storage chains) II C II Land Development, Soil Conservation, Watershed development III Others (Tissue Culture, Agri bio technology, Seed production, Bio pesticides/fertilizers, Vermin composting) Sub Total Ancillary activities i Food and Agro Processing II Others (Loans to Cooperative Societies of farmers for disposing of their produce, Agri Clinics / Agri Business Centres, Loans to PACS/FSS/LAMPS, Loans to MFIs for on lending) Sub Total Total Agriculture Micro, Small and Medium Enterprises i MSME- Working capital II MSME- Investment Credit Total MSME III Export Credit IV Education V Housing

8 VI Renewable Energy VII Others (Loans to SHGsjJLGs, loans to distressed persons to prepay non-institutional lenders, PMJDY, loans to state sponsored organisations for SCjST) VIII Social Infrastructure involving bank credit Total Priority Sector