EXECUTIVE SUMMARY "Accelerating the pace of capital formation in agriculture and allied sector

Transcription

1 EXECUTIVE SUMMARY "Accelerating the pace of capital formation in agriculture and allied sector Kolasib district have 2 rural development blocks and both the blocks comprise of hilly areas. The districts has places of tourist attraction. The district is connected only by road with the State Head Quarter i.e. Aizawl. The average rainfall in the district is 2600 mm. The district has a total population of as per 2011 census. The percentage of rural population is much higher than the urban population. The population density in the district is per sq. km respectively. The literacy percentage in the district of Kolasib is % which is higher than the State level of 91.58%. Agriculture and allied activities form the backbone of the economy of the district. The productivity under agriculture is low. The Agro-climatic conditions, fertile soil and abundant rainfall are favourable for horticultural fruits like oranges, banana, hatkhora, arecanut and crops like paddy and vegetables like cabbage, cauliflower, tomatoes, leafy vegetables, ginger etc. Arrangement for export of orange and squash may boost the economy of the district. The diversification of crops would increase the production and income of the growers, which would in turn boost the economy of the district. The banking network comprise of six branches of Mizoram Rural Bank, five branches of commercial bank and one branch of Mizoram Cooperative Apex Bank Ltd. The CD Ratio which was in improved to in and in to agriculture sector constituted 3.80% of total loans as of March Although the average achievement under Annual Credit Plans for the past three years stood at %, the achievement for was 95.09%. The total credit flow for the year under priority sector was Rs lakh. The annual credit plan for the year envisages a credit flow of Rs.2260 lakh. Investment in agriculture is generally undertaken for acquiring physical assets that result in the creation of a stream of incremental income over a period of time. Capital formation through investment in agriculture helps in improving the stock of equipment, tools and productivity of resources employed, which, in turn, enables the farmers to use their resources, particularly land and labour, more productively. Creation of capital goods, thus, is necessary for raising productivity of existing resources and realizing the long-term growth potential. Therefore, the relationship between capital formation and thus agricultural growth and consequently poverty alleviation are very well documented. The Potential Linked Credit Plan for the year has been prepared keeping in view the projections made in the base PLP prepared for a five year period and updated with reference to the changes that have taken place in the various infrastructure facilities, demand for credit, priorities of the government for development of the different sub-sectors and reckoning the changes in the unit cost/scale of finance necessitating significant revision for specific sectors. Some of the major features are highlighted below: The credit potential estimated under Crop Loan during the year in Kolasib district is Rs lakh. For meeting this target, all the concerned departments and agencies (including banks) should have well-coordinated efforts for providing institutional credit and all other necessary supports in order to achieve self-sufficiency in food grains production as envisaged under New Land Use Policy (NLUP) for improving the condition of the farming community. All the crop loans should be disbursed through Kisan Credit Card (KCC) so that the farmers have access to timely and uninterrupted credit at the time of need. The government agencies as well as Banks should continue their awareness programmes on KCC. In order to meet the challenges of sustaining the population with food and shelter, planned efforts are to be made to increase agricultural productivity by increasing the irrigable area and land development. Credit potential for Water Resources has been worked out atrs lakhfor the year and is given in Annexure I. The activities under Water Resources include pump set of 5 HP and Rain Water Harvesting Tanks. Farm mechanisation, mainly for tractors and power tillers is projected to require a credit flow of Rs lakh for Kolasib district during Power Tillers are the appropriate FM devices in the district. There is less demand for tractors in the district in view of less availability of plain lands. Tractors can be used for transportation purposes also. Horticulture is the main cash crop in the district. With the identification of Oil Palm, Arecanut and Rubber which are popular in the district, the horticulture and plantation development in the district has been estimated at Rs lakh during [1]

2 The Animal Husbandry sector has immense importance in the State of Mizoram. There is a great demand for Poultry Farming and Pig Meat. As such, piggery and poultry farming form the supplementary employment and income of the farmers, besides enabling reduction in the gap between demand and supply of different animal products in the district as well as the state. Accordingly, the potential for credit flow during has been projected at Rs lakh under dairy development and under poultry Rs lakh for Kolasib district. For activities under sheep/goat/pig Rs lakh has been projected for Kolasib district for the year Fish Farming also supplement the income of the farmers. Fishery in the district has good scope for development as many fish farms are in existence in the district. There is a very good demand for fish in the district. Accordingly, projection for bank credit for the year has been made at Rs lakh. This year projections under Agriculture Infrastructure and Ancillary activities have been made separately. Thus projections for under Land Dev., Soil Conservation Rs lakh and Others (Tissue culture, Agri. Bio-tech, seed projectionetc.) - Rs lakh have been made. The aggregate credit requirement for agriculture and allied activities projected for the district is Rs lakh for the year Under MSME sector the projection is made at Rs lakh where development is the necessity for employment generation. Industry serves as a support system to agriculture, specifically in respect of the processing facilities, which add value to the farm sector produce. People residing in Kolasibdistricts are also gradually picking up non-farm based activities in retail business, artisans, handicraft, handloom, readymade garments, transport operators & medical lab equipment business etc. UnderEducation, Housing and others sector the credit projections are Rs lakh, Rs lakh and Rs lakh respectively for the year The development interventions in the district are aided by Capital Investment Subsidy Schemes of GoI in respect of Animal Husbandry Schemes, Rural Godowns and Organic Farming etc. Government Sponsored Programmes & schemes like PMEGP, IAY, KVIC, RKVY, NFSM etc., also helped development of rural and urban poor in the district. The development of women through the formation of SHGs and linkages with the bank is taken up through NGOs and SHPI supported by NABARD and through MzSRLM. They are projected to be the ideal developmental tool to ensure access to banking services in the years to come to lead to socio economic empowerment of the women and the resultant all round development of the district. Government of Mizoram has implemented an ambitious programme called New Land Use Policy (NLUP) in the State. The activities under NLUP are integrated development, wean away farmers from jhuming (shifting cultivation) practices to adopt sustainable on-farm and off-farm economic activities, introduction of commercial farming in place of subsistence farming/cultivation, improve income level of urban and rural poor through sustainable farming activities, micro enterprises, cottage industries, etc. to create food security for all and to restore ecological balance through rejuvenation of forest, improvement of land and water management, introduction of new forest and land management systems. In order to improve the economic status of poor farmers, JLG scheme was formulated by NABARD and was introduced on a pilot basis in 8 states in The objectives of forming JLG is to augment credit flow to oral lessees, tenant farmers, share croppers, small farmers, marginal farmers, traders for extending collateral free loans through JLGs and building mutual trust between banks and farmers. JLG can be formed by NGOs, Farmers Clubs, KVKs, SAUs, Banks, Business Facilitators, etc. The benefits of forming JLGs are reduction in transaction cost, lower risk of recovery due to peer pressure, availability of timely credit to farmers/traders without collateral and savings in stamp duty. The PLP on the whole has projected a credit requirement of the order of Rs lakh for the year for all the sectors viz. Agriculture & Allied, MSME, Education Housing and Others. It shall be the endeavour of all the financial institutions, line departments, developmental agencies, NGOs, etc., to ensure adequate credit flow commensurate with the potentials identified in this document. [2]

3 Broad Sector wise PLP Projections Sr. No. A Particulars Farm Credit i Crop Production, Maintenance and Marketing ii Term Loan for agriculture and allied activities Sub Total B Agriculture Infrastructure I Credit Potential for Agriculture (A+B) II Micro, Small and Medium Enterprises III Education IV Housing V Others Total Priority Sector (I to V) (Rs. Lakh) PLP Projections PLP PROJECTIONS Others (Rs. 305 lakh) 6% Education (Rs lakh) 0% MSME (Rs lakh) 19% Term Loan for agriculture and allied activities (Rs lakh) 27% Agriculture Infrastructure (Rs lakh) 2% [3] Crop Loan (Rs lakh) 31%

4 Summary of Sector / Sub-sector wise PLP projections Sr. No. I A Particulars Credit Potential for Agriculture Farm Credit (Rs. Lakhs) PLP Projections i Crop Production, Maintenance and Marketing ii Water Resources iii Farm Mechanisation iv Plantation and Horticulture (including sericulture) v Animal Husbandry Dairy vi Animal Husbandry Poultry vii Animal Husbandry Sheep, Goat, Piggery, etc viii Fisheries (Marine, Inland, Brackish water) Sub Total B Agriculture Infrastructure i Land development, Soil conservation, Watershed development ii Others (Tissue culture, Agri bio-technology, Seed production, Bio pesticides/ fertilizers, Vermin composting) Sub Total Total Agriculture (A+B) II Micro, Small and Medium Enterprises i MSME Investment Credit ii MSME Working Capital Total MSME III Education IV Housing V Others ( to SHGs/ JLGs, loans to distressed persons to prepay non-institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) Total Priority Sector (I to V) [4]

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6 District - KOLASIB State - MIZORAM Division PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) No. of Sub Divisions No. of Blocks No. of Villages (Inhabited) 34 No. of Panchayats/Village Council 45 Soil Type Loam to Clay Loam 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported Normal Actual Forest Land Rainfall [in mm] Area Not Available for Cultivation Variation from Normal Permanent Pasture and Grazing Land 200 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 2663 Water [Ham] N.A. Cultivable Wasteland DISTRIBUTION OF LAND HOLDING Current Fallow 7665 Holding Area Classification of Holding Other Fallow Nos. % to Total Ha. % to Total Net Sown Area <= 1 Ha Total or Gross Cropped Area >1 to <=2 Ha Area Cultivated More than Once 665 >2 Ha Cropping Inensity [GCA/NSA] % Total WORKERS PROFILE [in Nos.] 7. DEMOGRAPHIC PROFILE [in Nos] Cultivators Category Total Male Female Rural Urban Of the above, Small/Marginal Workers 6975 Population Agricultural Labourers 2553 Scheduled Caste N.A. N.A. Workers engaged in Household Industries 585 Scheduled Tribe N.A. N.A. Workers engaged in Allied Agro-activities N.A. Literate Other workers BPL N.A. 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 17 Having brick/stone/concrete houses 8 Having electricity supply 15 Rural Households 8 Having source of drinking water 10 Having independent toilets 17 BPL Households N.A. Having access to banking services 8 Having radio/tv sets VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 34 Anganwadis 118 Dispensaries N.A. Villages having Agriculture Power Supply N.A. Primary Health Centres 5 Hospitals 3 Villages having Post Offices 31 Primary Health Sub-Centres 25 Hospital Beds 165 Villages having Banking Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools N.A. Fertiliser/Seed/Pesticide Outlets [Nos] N.A. Agriculture Pumpsets[Nos] N.A. Villages having Primary Health Centres 30 Total N/P/K Consumption [MT] 512 Pumpsets Energised [Nos] N.A. Villages having Potable Water Supply 34 Certified Seeds Supplied [MT] N.A. Agro Service Centres [Nos] N.A. Villages connected with Paved Approach Roads N.A. Pesticides Consumed [MT] N.A. Soil Testing Centres [Nos] N.A. 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] N.A. Plantation nurseries [Nos] N.A. Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] N.A. Farmers' Clubs [Nos] 21 Irrigation Potential Created N.A. Threshers/Cutters [Nos] N.A. Krishi Vigyan 1 Net Irrigated Area(Total area irrigated at least once) INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels N.A. Rural/Urban Mandi/Haat [Nos] 1 Wholesale Market [Nos] N.A. Area irrigated by Wells N.A. Length of Pucca Road [Km] N.A. Godown [Nos] 10 Area irrigated by Tanks N.A. Length of Railway Line [Km] N.A. Godown Capacity[MT] 2550 Area irrigated by Other Sources N.A. Public Transport Vehicle [Nos] N.A. Cold Storage [Nos] 1 Irrigation Potential Utilized (Gross Irrigated Area) 4244 Goods Transport Vehicle [Nos] N.A. Cold Store Capacity[MT] AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) NIL NIL Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) NIL NIL Rice/Paddy Fruit (Pulp/Juice/Fruit drink) NIL NIL Maize Spices (Masala Powders/Pastes) NIL NIL Pulses Dry-fruit (Cashew/Almond/Raisins) NIL NIL Oilseeds Cotton (Ginnining/Spinning/Weaving) NIL NIL Sugarcane Milk (Chilling/Cooling/Processing) 1 NIL Potato Meat (Chicken/Motton/Pork/Dryfish) NIL NIL Animal feed (Cattle/Poultry/Fishmeal) 1 NIL 17. ANIMAL POPULATION AS PER CENSUS 2012 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 5 Animal Markets [Nos] N.A. Cattle - Cross bred 1.59 N.A. N.A. Disease Diagnostic Centres [Nos] 6 Milk Collection Centres N.A. Cattle - Indigenous 4.06 N.A. N.A. Artificial Insemination Centers [Nos] 8 Fishermen Societies [Nos] N.A. Buffaloes 0.10 N.A. N.A. Animal Breeding Farms [Nos] 3 Fish seed farms [Nos] 2 Sheep - Cross bred N.A. N.A. N.A. Animal Husbandry Tng Centres [Nos] N.A. Fish Markets [Nos] N.A. Sheep - Indigenous 0.08 N.A. N.A. Dairy Cooperative Societies [Nos] 1 Poultry hatcheries [Nos] 1 Goat 2.38 N.A. N.A. Improved Fodder Farms [Nos] 1 Slaughter houses [Nos] N.A. Pig - Cross bred N.A. N.A. 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 2.86 N.A. N.A. Fish Production [MT] 1656 Per cap avail. [gm/day] 55 Horse/Donkey/Camel 0.00 N.A. N.A. Egg Production [Lakh Nos] 13 Per cap avail. [nos/p.a.] 16 Poultry - Cross bred N.A. N.A. Milk Production [MT] 1764 Per cap avail. [gm/day] 58 Poultry - Indigenous N.A. N.A. Meat Production [MT] 865 Per cap avail. [gm/day] 29 Sources (if not mentioned against the respective item): District Profile Agro-climatic Zone Climate Census 2011, Statistical Abstract Mizoram2013, Agriculture Statistical Abstract , Statistical Handbook Mizoram 2014, Reprort on Annual Production of Milk, Eggs & Meat (AH) [6] Humid-sub-tropical hill zone Sub-Tropical Climate

7 Banking Profile District - KOLASIB State - MIZORAM Lead Bank - STATE BANK OF INDIA Total Rural Semi-urban Urban mfis/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Banks N.A. N.A Regional Rural Bank N.A. N.A District Central Coop. Bank N.A. N.A Coop. Agr. & Rural Dev. Bank N.A. N.A. - - Primary Agr. Coop. Society N.A. N.A. - - Others N.A. N.A. - - All Agencies N.A. N.A Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks N.A Regional Rural Bank N.A Cooperative Banks N.A Others All Agencies N.A Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks N.A Regional Rural Bank N.A Cooperative Banks N.A Others All Agencies N.A CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During Cumulative 31-Mar Mar Mar-15 Deposit Credit Deposit Credit Commercial Banks Commercial Banks Regional Rural Bank Regional Rural Bank Cooperative Banks Cooperative Banks Others Others All Agencies All Agencies Commercial Banks NA NA N.A. N.A. NA NA Regional Rural Bank NA NA N.A. N.A. NA NA Cooperative Banks NA NA N.A. N.A. NA NA Others All Agencies NA NA N.A. N.A. NA NA Commercial Banks Regional Rural Bank Cooperative Banks Others No. of Banks/Soc. 1. NETWORK & OUTREACH (As on 31/03/2015) No. of Branches No. of non-formal agencies assoiated Per Branch Outreach 2. DEPOSITS OUTSTANDING No. of accounts 3. LOANS & ADVANCES OUTSTANDING No. of accounts 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) of Deposit of Loan Priority Sector to Agr. Sector to Weaker Sections under DRI Scheme to Women All Agencies Broad Sector Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector Commercial Banks NA NA NA NA NA NA NA NA NA NA Regional Rural Bank NA NA NA NA NA NA NA NA NA NA Cooperative Banks NA NA NA NA NA NA NA NA NA NA Others All Agencies NA NA NA NA NA NA NA NA NA NA N.A. 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Target Target Target Ach in last 3 years Target Demand 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Recovery Recovery Target 9. RECOVERY POSITION Demand Target Ach in last 3 years Average Recovery Recovery Demand Recovery Recovery Rec. in last 3 years Sources : Lead Bank, DCC & SLBC [8]