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

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1 Executive Summary A. Introduction district is primarily an agricultural district with tobacco and paddy as the predominant crops. The other major crops cultivated are wheat, bajara, maize, cotton and groundnuts. About % of land holdings are with small and marginal farmers and the average size of the holdings is 1.20 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 lakh, of which, Crop Production sector has a major share of 41.50% at lakh. Term loan under agriculture is assessed at lakh accounting for about 25.06% Under MSME, lakh has been assessed as potential forming 25.66% and balance at 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 lakh when compared to the PLP for the year representing an increase of 9.85% Further, the PLP projection is higher by 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. Crop Production, Maintenance and Marketing Paddy is one of the key crop grown in the district in terms of its value. More than Ha land is under paddy cultivation. Scientific method of farming through SRI method holds very good promise in terms of yields improvement as well as savings in water, fertilizer and pesticides. 2. Farm Mechanisation In District, agriculture land size is larger than state average. For eg. Top 16.74% of farmers are holding 53.48% of the total agriculture land. Such skewed land distribution, good irrigation facilities, are right conditions for implementing high degree of farm mechanization. Higher investment capacity of large farmers will help in improving the productivity through highly mechanized farming operations. 3. Plantation and Horticulture Due to very fertile land, sufficient and good quality ground water and its proximity to big centers like Ahmedabad and Vadodara, horticulture sector is a pre dominant sector in Agriculture. More than 20% total cropped area is under horticulture production. To further support the Horticulture sector, there is an urgent need to establish backward linkage facilities like tissue culture labs, plants hardening centers and forward linkage like cold storages, pack houses etc. 4. Animal husbandry There is a need for strengthening the relationship between, Cooperative Dairy sector and members of the dairy cooperatives, to enable members to obtain maximum bank finance to buy good quality animals, with repayment guarantee of cooperative dairies. contributes to more than 20% of poultry production in Gujarat State. However, bank finance in poultry sector is quite low due to non-availability of affordable insurance for poultry birds. may create an internal pool of resources for risk mitigation purpose to finance poultry sector. C. Highlights of Developments, initiatives taken, achievements, specific prescriptions etc. Due to high level of awareness among the farmers and extension work done by Government departments as well as Anand Agriculture University, various centrally sponsored subsidy schemes have been well received in District. Share of District in Dairy Entrepreneurship Development Scheme, Rural Godown Scheme, AMIGS, Poultry Venture capital Fund scheme have 1

2 been among highest for last many years. Efforts should be made to leverage on farmers clubs in District, efforts to make Producers Organisations to take up processing and value addition activities in Agriculture. D. Thrust areas for The PLP document, besides discussing the development initiatives taken by GOI and the Government of Gujarat in the fields of agriculture, horticulture, and infrastructure lays emphasis on the following thrust areas and calls for collective participation of all stakeholders in the district to firm up the credit plan and to work towards achievement of targets for i. Improvement in CD ratio of the district. ii. Coverage of all eligible farmers under KCC. iii. Promotion of Joint Liability Groups and ensuring credit linkage. iv. Capacity building of SHGs and upscaling of SHG linkage. v. Ensuring capital formation in agriculture by financing potential sectors mainly Farm Mechanisation, Rural godowns, Dairy and Food and Agro processing. E. Area Based Scheme: The Area Based Scheme (ABS) on Agro and Food processing seeks to provide a focussed approach for various developmental activities, which can be taken up by the local people on a sustainable basis for income and employment generation through enhancing value chain of Agro and Food Processing in the district. The Plan uses the broad framework of Project Approach for investment and production purposes under various identified components of value chain and the role of various institutions /agencies are dovetailed for the maximisation of benefits. F. 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, better monitoring and review at BLBC / DCC meetings and effective implementation of Financial Inclusion plans. 2

3 Appendix A to Annexure I Broad Sectorwise PLP Projections Sr. No. A (.lakhs) PLP Projections Particulars 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) Housing 2.40% Renewable Energy Education 0.01% 1.91% Export Credi t Mi cro, Small and 0.77% Medium Enterprises 25.66% Broad Sectorwise projections Others 2.65% Social Infrastructure involving bank credit 0.04% Credit Potential for Agriculture (A+B+C) Micro, Small and Medium Enterprises Export Credit Education Housing Renewable Energy Others Social Infrastructure involving bank credit Credit Potential for Agriculture (A+B+C) 66.56% 3

4 Appendix B to Annexure I Summary of Sector / Sub sector wise PLP projections Sr. No. I A Particulars 4 (.lakhs) PLP Projections Credit Potential for Agriculture Farm Credit i Crop Production, Maintenance and Marketing ii Water Resources iii Farm Mechanisation iv Plantation and Horticulture (including sericulture) v Forestry and Waste Land Development vi Animal Husbandry Dairy vii Animal Husbandry Poultry viii Animal Husbandry Sheep, Goat, Piggery, etc ix Fisheries (Marine, Inland, Brackish water) x Others Bullock, Bullock cart, etc Sub Total B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, Godowns, Silos, Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed development iii Others (Tissue culture, Agri bio-technology, Seed production, Bio pesticides/ fertilizers, Vermin composting) Sub Total C Ancillary activities i Food and Agro processing ii Others ( to Cooperative Societies of farmers for disposing of their produce, Agri Clinics/ Agri Business Centres, to PACS / FSS/ LAMPS, to MFIs for on lending) Sub Total Total Agriculture II Micro, Small and Medium Enterprises i MSME Investment Credit ii MSME Working Capital Total MSME III Export Credit IV Education V Housing VI Renewable Energy VII Others ( to SHGs/ JLGs, loans to distressed persons to prepay non-institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) VIII Social Infrastructure involving bank credit Total Priority Sector

5 Map of the District 5

6 Predominant Economic activities in the district: District Profile Agriculture and animal husbandry are the predominant economic activities in the district. Within animal husbandry, dairy is the most important activity in the district. Poultry is another activity steadily growing in the district. Food processing is also fast growing activity witnessed during the last decade. Papad, powa, pickle and spices in the district have created assured export market in US, Africa, Europe and Australia. The district has the potential to put Gujarat on the world tourist map due to its famous Lord Krishna temple at Dakor. The non-farm activities of the district are confined to demand based and agro based / SSI units. Major food, commercial and plantation / horticultural crops in the district: Paddy, wheat, and bajra are the main food crops in the district. Tobacco, cotton, mustard, castor and fennel are the major commercial crops grown in the district. Mango, lemon, amla, banana and papaya are important plantation and horticultural crops grown. Cultivation of medicinal and aromatic crops has been steadily increasing. There exists very good potential for establishment of fruit processing industry. Recent changes in district rural economy The district is affected by degradation of land in ravine belt of Mahi river. The district has predominantly agrarian economy and the development of NFS is yet to take place. As such there is no big industry in district, but small and marginal industries are thriving on availability of skilled man power, raw material, good infrastructure and good connectivity with big cities like Ahmedabad and Vadodara. Due to ever increasing land costs and costs of agriculture labour and raw material, there is a shift from Nadiad block to Thasra and Kapadwanj block for labour intensive activities like poultry and dairy. Emerging Sectors in the district: Due to close proximity to Ahmedabad and Vadodara and district s strategic location advantage, it holds the potential to become a big player in agro and food processing as well as poultry sector. An area based scheme for food processing has been presented in this document for this purpose. NABARD s interventions in the district: NABARD interventions, direct or indirect have positively affected the district in multiple ways. However, one noteworthy intervention is increase in road density through RIDF support has helped Dairy cooperatives to achieve higher efficiency in milk collection and thereby lower the overheads. A Snapshot of district profile is as under. 6

7 District Profile of District as on 31-Mar-2015 District - State - Gujarat Division PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 3959 Agro-climatic Zone Gujarat Plains, Hills Region Central Gujarat No. of Sub Divisions No. of Blocks 2 10 Climate Semi Arid No. of Villages (Inhabited) 519 Soil Type Loamy, Medium black soil No. of Panchayats LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported Rainfall [in mm] Normal Actual Forest Land Area Not Available for Cultivation Variation from Normal Permanent Pasture and Grazing Land 7900 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 9565 Water [Ham] Cultivable Wasteland DISTRIBUTION OF LAND HOLDING [Nos] Current Fallow 6300 Classification of Holding Holding Area Other Fallow 1000 Nos. % to Total Ha. % to Total Net Sow n Area <= 1 Ha Total or Gross Cropped Area >1 to <=2 Ha Area Cultivated More than Once >2 Ha Cropping Inensity [GCA/NSA] Total WORKERS PROFILE [Nos] 7. DEMOGRAPHIC PROFILE Cultivators Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers Population Agricultural Labourers Scheduled Caste Workers engaged in Household Industries 7344 Scheduled Tribe Workers engaged in Allied Agro-activities Literate Other w orkers BPL 8. HOUSEHOLDS [Nos] 9. HOUSEHOLD AMENITIES [Nos] Total Households Having brick/stone/concrete houses Having electricity supply Rural Households Having source of drinking w ater Having independent toilets BPL Households Having access to banking services Having radio/tv sets VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 519 Anganw adis 79 Dispensaries 58 Villages having Agriculture Pow er Supply 519 Primary Health Centres 51 Hospitals 12 Villages having Post Offices 498 Primary Health Sub-Centres 307 Hospital Beds 1196 Villages having ing Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 450 Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos] 9350 Villages having Primary Health Centres 57 Total N/P/K Consumption [MT] Pumpsets Energised [Nos] Villages having Potable Water Supply 519 Certified Seeds Supplied [MT] 3230 Agro Service Centres [Nos] 1 Villages connected w ith Paved Approach Roads 519 Pesticides Consumed [MT] Soil Testing Centres [Nos] IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] Plantation nurseries [Nos] 20 Total Area Available for Irrigation (NIA + Fallow ) Pow er Tillers [Nos] Farmers' Clubs [Nos] 190 Irrigation Potential Created Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels Rural/Urban Mandi/Haat [Nos] 20 Wholesale Market [Nos] 22 Area irrigated by Wells Length of Pucca Road [Km] 1164 Godow n [Nos] 400 Area irrigated by Tanks Length of Railw ay Line [Km] 5266 Godow n Capacity[MT] Area irrigated by Other Sources Public Transport Vehicle [Nos] 1223 Cold Storage [Nos] 30 Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] Cold Store Capacity[MT] AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] Crop Avg. Yield Food (Rice/Flour/Dal/Oil) 20 NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) NIL NA Paddy Fruit (Pulp/Juice/Fruit drink) 1 NA Bajara Spices (Masala Pow ders/pastes) 15 NA Wheat Dry-fruit (Cashew /Almond) 2 NA Maize Cotton (Ginnining/Spinning) 4 NA Cotton Milk (Chilling/Cooling/Processing) L LPD Tobacco Meat (Chicken/Motton/Pork) 1 NA Banana Animal feed (Cattle/Poultry) 1 NA 17. ANIMAL POPULATION AS PER CENSUS 2012 [Nos] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of Total Male Female Veterinary Hospitals/Dispensaries 33 Animal Markets [Nos] NA animal [Nos] Cattle - Cross Disease Diagnostic Centres [Nos] 12 Milk Collection Centres [Nos] 525 bred Cattle Artificial Insemination Centers [Nos] 665 Fishermen Societies [Nos] 11 Indigenous Buffaloes Animal Breeding Farms [Nos] 1 Fish seed farms [Nos] 0 Sheep - Cross Animal Husbandry Tng Centres [Nos] Fish Markets [Nos] 2 bred Sheep Dairy Cooperative Societies [Nos] 679 Poultry hatcheries [Nos] 10 Indigenous Goat Improved Fodder Farms [Nos] Slaughter houses [Nos] 3 Pig - Cross bred MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous Fish Production [MT] 2800 Per cap avail. [gm/day] 379 Horse/Donkey/C amel Egg Production [Lakh Nos] Per cap avail. [nos/p.a.] 40 Poultry - Cross Milk Production [Lakh LPD] Per cap avail. [gm/day] 438 bred Poultry Meat Production [MT] Per cap avail. [gm/day] NA Indigenous Source : Gujarat Statistical Abstract of Gujarat State 2010 and District Stastical Abstracts , ,

8 9 PLP ing Profile of District as on 31-Mar-15 District - KHEDA State - Gujarat Lead - of Baroda 1. NETWORK & OUTREACH No. of No. of Branches No. of non-formal agencies assoiated Per Branch Outreach /Soc. Total Rural Semi-urban Urban mfis/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Regional Rural Nil 262 Nil 0 0 District Central Nil 418 Nil Coop. 0 0 Coop. Agr. & Nil Nil Nil Rural Dev. 0 0 Primary Agr. 448 Nil Nil NA Coop. Society Private Sect Nil Nil NA NA NA All Agencies Nil Nil 117 NA NA 2. DEPOSITS OUTSTANDING No. of accounts of Deposit 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial NA % 95.61% Regional Rural NA % 0.25% Cooperative NA % 4.14% All Agencies NA % % 3. LOANS & ADVANCES OUTSTANDING No. of accounts of Loan 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial NA % 90.42% Regional Rural NA % 0.45% Cooperative NA % 9.12% All Agencies NA % % 4. 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 26.96% 27.06% 28.36% Commercial Regional Rural 52.52% 52.62% 42.51% Regional Rural Cooperative 88.47% 62.98% 59.58% Cooperative Private Sect. Others All Agencies 29.56% 28.61% 29.81% All Agencies 6. PERFORMANCE TO FULFILL NATIONAL GOALS as on 31 March 2015 (Rs in 000) Priority Sector to Agr. Sector to Weaker Sections under DRI Scheme to Women Commercial % % % % % Regional Rural % % % % % Cooperative % % % % % All Agencies % % % % % 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Target [.' 000] Ach'ment [. '000] Ach'ment [%] Target [.' 000] Ach'ment [. '000] Ach'ment [%] Target [.' 000] Ach'ment [. '000] Ach'ment [%] Ach[%] in last 3 years Commercial % 76.00% 73.45% 73.42% Regional Rural % % % % Cooperative % 28.87% 38.29% 35.52% All Agencies % % % 63.60% 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Broad Target [.' Ach'ment [. Ach'ment Target [.' Ach'ment [. Ach'ment Target [.' Ach'ment Ach'ment Ach[%] in Sector 000] '000] [%] 000] '000] [%] 000] [. '000] [%] last 3 years Crop Loan % % % 67.13% Term Loan % % % 55.95% (Agr) Total Agri % % % 62.96% Credit Non-Farm % % % 80.86% Sector Other Priority % % % 60.57% Sector Total % % % 63.60% 9. RECOVERY POSITION Average Rec. Demand [. Recovery [. Recovery [%] Demand [. Recovery [. Recovery Demand [. Recovery [. Recovery [%] in last 3 '000] '000] '000] '000] [%] '000] '000] [%] years Commercial NA NA Regional Rural NA NA Cooperative NA NA Others NA NA All Agencies NA NA Source: DCC Agenda, Key bank data, SLBC Returns