EXECUTIVE SUMMARY. Suggested action Points in respect of major sectors and infrastructure/non-credit inputs are as under:

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1 A. Introduction EXECUTIVE SUMMARY is primarily an agricultural district with cotton and groundnut as the predominant crops. The other major crops cultivated are Bajra, Sesame, Jowar, Onion, etc. About 60% of land holdings are with small and marginal farmers and the average size of the holdings is.40 Ha. The Potential Linked Credit Plan (PLP) for has been prepared aligning with the revised RBI guidelines on Priority Sector Lending. It estimates credit flow of Rs lakh, of which, Crop Production sector has a share of 33% at Rs lakh. Term loan under agriculture is assessed at Rs lakh accounting for about 11%. Under MSME, Rs lakh has been assessed as potential forming 51% and balance at Rs lakh has been estimated for other sectors like Exports, Education, Housing, etc. The activity-wise and block-wise assessment of potential is presented in Annexure I. The PLP projection for is higher by Rs lakh when compared to the PLP for the year representing an increase of 5%. Further, the PLP projection is higher by Rs lakh when compared to the ACP target for the year Suggested action Points in respect of major sectors and infrastructure/non-credit inputs are as under: B. Sector-wise comments on major sectors 1. Water Resources and Land Development: As monsoon continues to be erratic, need for greater focus lies in water resource management. Farmers need to be incentivised to save water by adopting suitable cropping pattern on their farms. There is a need for conserving soil moisture security so that more crop per drop can be achieved.. Farm Mechanisation: Shortage of labour is a serious threat affecting the development of agriculture in the district. Enhanced credit flow for farm mechanisation should be ensured. Banks may increasingly adopt the strategy of JLG financing to enable SF/MF to purchase farm machineries and equipment. 3. Animal husbandry: Animal husbandry, particularly dairy is the most suitable subsidiary occupation. As dairy offers quick returns and near stable prices, banks may finance liberally ensuring tie-up arrangements with Dairy farms/societies. Banks may also encourage farmers to take up calf rearing and fodder cultivation, as viable activities with financial assistance. C. Highlights of Developments, initiatives taken, achievements, specific prescriptions etc. To give thrust to the Dairy, Storage, farm fencing, etc., by enhancing term loan disbursements through a banking plan, implementation of area based scheme/s has been suggested as a coordinated effort of NABARD, Lead Bank, other banks, line departments and other important stake holders. GoI has established the National Adaptation Fund on Climate Change (NAFCC) with a budget provision of Rs.350 crores for the year and NABARD has been appointed as National Implementing Entity (NIE) responsible for implementation of adaptation projects under the Fund. To ensure effective price protection to the farmer, National Agricultural Market being proposed can be a solution backed by adequate storage facilities. D. Thrust areas for have been identified as JLG/SHG financing, post harvest infrastructure, food processing, producer organisations, Area Development Plans/Schemes, etc. E. Conclusion: The major driver of private sector capital formation is investment credit. Immediate thrust is required to raise its share in the total agriculture credit. The document, has therefore, been prepared with emphasis on accelerating the pace of capital formation in agriculture and allied sectors. This goal can be achieved with the coordinated efforts of all the stakeholders. 1

2 BROAD SECTOR-WISE PLP PROJECTIONS Name of the District: BHAVNAGAR State : GUJARAT (Rs.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 VIII Social infrastructure involving bank credit Total Priority Sector (I to VIII) , 39587, 5% Agriculture, , 44% MSME, , 51% Agriculture MSME

3 SUMMARY OF SECTOR/SUB SECTOR-WISE PLP PROJECTIONS (Rs. 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 Development vii. Animal Husbandry Poultry Development 5.00 viii. Animal Husbandry Sheep, Goat and Piggery Development ix. Fisheries Development x. Other Activities Bullock, Bullock carts, etc Sub Total B Agriculture Infrastructure i. Construction of storage facilities (Warehouses, Market yards, Godowns, Silos, Cold storage units/ Cold storage chains) ii. (Tissue culture, Agri bio-technology, Seed production, Bio pesticides/ fertilizers, Vermin composting) iii. Land development, Soil conservation, Watershed development Sub Total C Ancillary activities i. Food and agro processing ii Sub Total Total Agriculture II Micro, Small and Medium Enterprises i. MSME Working Capital ii. MSME Investment Credit Total MSME III Export credit IV Education V Housing VI Renewable Energy VII VIII Social infrastructure involving bank credit Total Priority Sector

4 4 PLP

5 District - BHAVNAGAR State - GUJARAT Division - SAURASHTRA Total Geographical Area (Sq.km) No. of Sub Divisions No. of Blocks 10 Climate dry subhumid No. of Villages No. of Panchayats Total Area Reported Forest Land Area Not Available for Cultivation Normal Actual 3300 Rainfall [in mm] Variation from Normal Permanent Pasture and Grazing Land Land under Miscellaneous Tree Crops Availability of Ground Water [Ham] Net annual recharge 8510 Net annual draft Balance 7674 Cultivable Wasteland DISTRIBUTION OF LAND HOLDING Current Fallow Other Fallow Net Sown Area Total or Gross Cropped Area Area Cultivated More than Once Cropping Inensity [GCA/NSA] Cultivators Holding Area Classification of Holding 1019 Nos. % to Total Ha. % to Total <= 1 Ha >1 to <= Ha > Ha Total WORKERS PROFILE [in 7. DEMOGRAPHIC PROFILE [in 6 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers Agricultural Labourers Workers engaged in Household Industries Workers engaged in Allied Agro-activities Other workers 133 Population Scheduled Caste Scheduled Tribe Literate Total Households 448 Having brick/stone/concrete houses 430 Having electricity supply 413 Rural Households 48 Having source of drinking water 431 Having independent toilets 4 BPL Households Having access to banking services 13 Having radio/tv sets VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 663 Anganwadis 53 Dispensaries 9 Villages having Agriculture Power Supply 663 Primary Health Centres 47 Hospitals 79 Villages having Post Offices 408 Primary Health Sub-Centres 360 Hospital Beds 1791 Villages having Banking Facilities 345 Villages having Primary Schools 660 Fertiliser/Seed/Pesticide Outlets [Nos] 377 Agriculture Pumpsets[Nos] Villages having Primary Health Centres 37 Total N/P/K Consumption [MT] Pumpsets Energised [Nos] Villages having Potable Water Supply 663 Certified Seeds Supplied [MT] 93 Agro Service Centres [Nos] 570 Villages connected with Paved Approach Roads 660 Pesticides Consumed [MT] Soil Testing Centres [Nos] IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 775 Plantation nurseries [Nos] 5 Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] Farmers' Clubs [Nos] 3 Irrigation Potential Created Threshers/Cutters [Nos] KVK[Nos] 1 Net Irrigated Area(Total area irrigated at least once) Area irrigated by Canals / Channels 400 Rural/Urban Mandi/Haat [Nos] 6 Wholesale Market [Nos] 15 Area irrigated by Wells Length of Pucca Road [Km] 3439 Godown [Nos] 16 Area irrigated by Tanks 000 Length of Railway Line [Km] 196 Godown Capacity[MT] 730 Area irrigated by Other Sources 100 Public Transport Vehicle [Nos] 758 Cold Storage [Nos] Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] 758 Cold Store Capacity[MT] 6000 Type of Processing Activity Food (Rice/Flour/Dal/Oil/Tea/Coffee) Sugarcane (Gur/Khandsari/Sugar) Fruit (Pulp/Juice/Fruit drink) Spices (Masala Powders/Pastes) 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Dry-fruit (Cashew/Almond/Raisins) Cotton (Ginnining/Spinning/Weaving) Milk (Chilling/Cooling/Processing) Meat (Chicken/Motton/Pork/Dryfish) Animal feed (Cattle/Poultry/Fishmeal) No of units Cap.[MT] Crop Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) - - Groundnut Bajra Cotton Wheat Onion Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 33 Animal Markets [Nos] - Cattle - Cross bred Disease Diagnostic Centres [Nos] Milk Collection Centres 4 [Nos] 18 Cattle - Indigenous Artificial Insemination Centers [Nos] 101 Fishermen Societies [Nos] 14 Buffaloes Animal Breeding Farms [Nos] 1 Fish seed farms [Nos] 11 Sheep - Cross bred 1-1 Animal Husbandry Tng Centres [Nos] - Fish Markets [Nos] Sheep - Indigenous Dairy Cooperative Societies [Nos] 630 Poultry hatcheries [Nos] - Goat Improved Fodder Farms [Nos] - Slaughter houses [Nos] Pig - Cross bred BPL 8. HOUSEHOLDS [in 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Pig - Indigenous Fish District Profile 1. PHYSICAL & ADMINISTRATIVE FEATURES. SOIL & CLIMATE Agro-climatic Zone Soil Type 1. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 17. ANIMAL POPULATION AS PER CENSUS 01 [in 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Production [MT] Gujarat plains and hills region medium black 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Per cap avail. [gm/day] Avg. Yield [Kg/Ha] Horse/Donkey/Camel 1-1 Egg Production [Lakh Nos] 314 Per cap avail. [nos/p.a.] 1 Poultry - Broiler Milk Production ['000 MT] 49 Per cap avail. [gm/day] Poultry - Indigenous Meat Production [MT] 973 Per cap avail. [gm/day] Sources (if not mentioned against the respective item): Item Nos. 1, 6, 7, 9 & 10 - Census 001; Item Nos., 3, 5, 1, 13 & 14 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item No. 8 - BPL Survey 00; Item No District Ind Centre/Dir. of Eco. & Stat.; Item No DACNET; Item No AH Census 01; Item Nos. 18 & 19 - Dir. of Animal 5

6 District - BHAVNAGAR Banking Profile GUJARAT Lead Bank - STATE BANK OF INDIA Total Rural Semi-urban Urban mfis/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Banks Regional Rural Bank District Central Coop. Bank Coop. Agr. & Rural Dev. Bank Primary Agr. Coop. Society All Agencies Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks All Agencies Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks All Agencies 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 114 All Agencies All Agencies 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/015) Commercial Banks Regional Rural Bank Cooperative Banks All Agencies Commercial Banks Regional Rural Bank Cooperative Banks All Agencies Broad Sector Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector Commercial Banks Regional Rural Bank Cooperative Banks No. of Banks/Soc. All Agencies Sources : Lead Bank & SLBC 1. NETWORK & OUTREACH (As on 31/03/015) No. of accounts No. of Branches No. of non-formal agencies assoiated Per Branch Outreach 3. LOANS & ADVANCES OUTSTANDING No. of accounts. DEPOSITS OUTSTANDING of Deposit of Loan 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) Priority Sector to Agr. Sector to Weaker Sections under DRI Scheme to Women Demand [Rs. 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Ach'ment [Rs. Ach'ment Ach'ment [Rs. Ach'ment [Rs. Ach'ment Ach[%] in Ach'ment [%] [%] [%] last 3 years 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Ach'ment [Rs. Ach'ment [%] Ach'ment [Rs. 9. RECOVERY POSITION Ach'ment [%] Ach'ment [Rs. Ach'ment [%] Average Ach[%] in last 3 years Average Rec. Recovery [Rs. Demand [Rs. Recovery [Rs. Demand [Rs. Recovery [Rs. [%] in last 3 Recovery [%] Recovery [%] Recovery [%] years 7