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

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1 EXECUTIVE SUMMARY PLP 26-7 Accelerating the pace of capital formation in agriculture and allied sector The Potential Linked Credit Plan (PLP) is prepared with a view to serve as a reference document for various policy makers, developmental and promotional agencies for planning at various levels and for creation of requisite infrastructure to meet the need of the district by judicious tapping of the potential. It facilitates banks for extending credit to viable activities in the district and line departments and developmental agencies may provide necessary infrastructure and linkage support. The PLP projections serve as a basis for banks in preparing Annual Credit Plan with special thrust on Areas based Schemes. Saving and Investment leading to capital formation are the prime movers of the economy. Capital formation refers to addition to the capital stock of an economy which enhances the productive capacity of various factors of production viz. land, labour, capital and entrepreneurship in all the sectors i.e. primary (including agriculture), secondary and tertiary. With a large capital stock, an economy acquires the capacity to change, innovate and adjust to new ideas and technological advances. Recognizing the importance of capital formation BARD has chosen the theme Accelerating the Pace of Capital Formation in Agriculture and Allied Sector for the PLP Tuensang district with a total geographical area of 728 sq. kms has a total population of,96,596 as per the 2 Census. It lies on the eastern part of Nagaland sharing its border with Myanmar in the east, Kiphire district in the south, Mon and Longleng districts in the north and Mokokchung and Zunheboto districts in the west. The main inhabitants of the district are Chang, Sangtam, Yimchungru and Khiamniungan spread over 4 villages. The economy of Tuensang district is primarily based on agriculture and allied activities. Traditional rain-fed agri-horticulture crop production is the main farming system in the district. Jhum cultivation is practiced along with terrace rice cultivation on the hill slopes. Paddy is the dominant crop grown in Tuensang district and occupies 64 % of the cultivated area. Rajmah Kholar / Kidney Bean is another important cash crop of the district. The PLP of Tuensang district seeks to present a comprehensive assessment of potentials available under various sectors of the economy, the credit requirements for exploiting the potentials, available infrastructure as well as credit absorption capacity of the borrowers. It also show-cases the noncredit inputs required and aspects that require the attention of the Government and other agencies involved in the development process. Tuensang district has a hilly terrain and is land locked. There are a lot of critical issues which need to be addressed. The district suffers from a lack of basic infrastructure such as good roads, surface transport connectivity and drinking water. Other important infrastructures such as tele communication facilities, quality educational institutions, medical facilities, banking services are grossly inadequate. Of the critical issues mentioned above, priority should be accorded to provision of adequate surface transport connectivity and improvement of existing roads as this basic infrastructure affects the livelihood of thousands of villagers. Once road connectivity is developed the pace of development in various sectors of the district s economy will be accelerated and the pace in flow of credit will improve. Agriculture is the main occupation of the people and crop production is an important activity for the economy of the district which provides livelihood-cum-employment opportunities for the rural population. The new and emerging sectors/economic activities in the district are Piggery farming and vegetable cultivation. Pig farming and vegetable cultivation will provide employment opportunities to seasonally employed rural farmers and supplement their income to improve their living standards. The PLP of Tuensang district has estimated an institutional credit potential of Rs lakh for the year The credit potential for Agriculture has been estimated at Rs lakh, Micro,

2 PLP 26-7 Small and Medium Enterprises at Rs lakh, Education at Rs. 92. lakh, Housing at Rs. 42. lakh, Social Infrastructure at Rs.39.2 lakh, Renewable Energy at Rs. 3.6 lakh and Others at Rs lakh Name of the district: Tuensang Broad Sector-wise PLP Projections for the year 26-7 State: Nagaland (Rs. in lakh) Sr. Particulars PLP Projections 26-7 A Farm Credit i Crop Production, Maintenance and Marketing 77.4 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 635. III Export Credit. IV Education 92. V Housing 42. VI Renewable Energy 3.6 VII Others VIII Social Infrastructure involving bank credit 39.2 Total Priority Sector (I to VIII)

3 PLP 26-7 Summary of Sector/Sub-sectorwise PLP Projections for the year 26-7 (Rs. in Lakh) Sr. No. Particulars PLP Projections 26-7 I A Credit Potential for Agriculture Farm Credit i Crop Production, Maintenance and Marketing 77.4 ii Water Resources iii Farm Mechanization iv Plantation and Horticulture (including sericulture) v Forestry and Waste Land Development 24.3 vi Animal Husbandry Dairy 6.72 vii Animal Husbandry Poultry 22.6 viii Animal Husbandry Sheep, Goat, Piggery, etc ix Fisheries (Marine, Inland, Brackish water) 27.6 B i Agriculture Infrastructure Sub Total Construction of storage facilities (Warehouses, Market yards, Go downs, Silos, Cold storage units/ Cold storage chains) 52.5 ii Land development, Soil conservation, Watershed development iii C Others (Tissue culture, Agri bio-technology, Seed production, Bio pesticides/ fertilizers, Vermin composting) Ancillary activities 4.34 Sub Total i Food and Agro processing ii to MFIs 6. II Micro, Small and Medium Enterprises Sub Total Total Agriculture i MSME Working capital 7. ii MSME Investment credit 465. Total MSME 635. III Export Credit. IV Education 92. V Housing 42. VI Renewable Energy 3.6 VII Others - Overdraft facility to PMJDY account holders VIII Social Infrastructure involving bank credit 39.2 Total Priority Sector

4 PLP 26-7 MAP OF TUENSANG DISTRICT 4

5 DISTRICT PROFILE PLP 26-7 Tuensang district, along with Mokokchung and Kohima was among the three original districts during the creation of Nagaland State. However, with time, the district has gradually diminished in size with carving out of the districts of Mon, Kiphire and Longleng district. The area comprising the present Tuensang district remained unadministered prior to 947 and had almost no contact with the outside world. For the first time, an administrative post was established at Tuensang HQ in 948. In 954, the district was brought under the North East Frontier (NEFA) as the Tuensang Frontier Division. However, in 957, the Tuensang Frontier Division was merged with Naga Hills District of Assam to form an administrative unit called the Naga Hills Tuensang Area which finally became a full-fledged state on st November 963. The administrative machinery under the Deputy Commissioner (DC) who is ably assisted by the Additional Deputy Commissioners, Sub Divisional Officers and Extra Assistant Commissioners functions from Tuensang town. For administrative convenience the district is further divided into sub-divisions. There are nine rural development blocks viz. Chare, Longkhim, Noklak, Sangsangyu, Noksen, Shamator, Chessore, Thonoknyu and Panso each headed by ADC, SDO, EAC and Block Development Officer (BDO). Besides, there are also councils at the village level with the responsibility for settlement of disputes in accordance with the customary laws and procedures laid down in the Nagaland Village and Area Council Act 978. The whole of Tuensang district is mountainous and the middle Mountain ranges and the Patkai Range dominate the topography. The entire district is criss-crossed by numerous rivers, streams and rivulets. Dikhu, Zungki and Tizu are the biggest rivers flowing through the district. The district is rich in mineral resources. The eastern part of the district lies along the Ophiloite belt where mineral-bearing rocks occur. Coal, limestone, marbles, chromites etc. are the major minerals found in the district. These resources are yet to be economically exploited for the benefit of the people in the district. There are many areas where the district can create opportunities and generate employment. Tourism and hospitality industry, eco-tourism, rural tourism and adventure sports are some potential areas. Enhancement of infrastructure and rural connectivity linkages in the rural areas is however required to realize these prospects. The potentials have to be packaged, advertised and marketed professionally. Travel agents, travel services, organizers, tourist guides, caterers, shop owners, hoteliers and restaurants are related and associated professions in this sector. Eco-tourism in Tuensang has the potential to be a major revenue and employment generating enterprise. However, infrastructure, roads, boarding / lodging facilities and connectivity have to be strengthened. Inner Line Permit (ILP) issues have to be made more tourist friendly. However all these require investment in power, bandwidth availability and accommodation for employees. Like most of the districts in Nagaland, Tuensang does not have any major industrial establishment worth the mention. Though adequately rich in mineral and forest resources, it is yet to be exploited. Lack of accessibility and connectivity proves a major hindrance to the development of industries. Handloom and handicrafts, small metal works, motor workshops and repair of electronic goods are the notable industrial activities. Most of the small industrial works are localized at home. The household industry employs. percent of the total workforce of the district. 5

6 PLP 26-7 District Profile District : Tuensang State : Nagaland Division :. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) $ 728 Agro-climatic Zone (Vision No. of Sub Divisions 225) Mid Tropical Hill Zone Category No. of Blocks No. of Villages (Inhabited) 9 6 Climate Soil Type Pre humid to humid Red sandy and laterite No. of VDBs 2 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER (Statistical Handbook 24) Total Area Reported (Agriculture Census 25-6) 4228 Normal Actual Forest Land $ 5. Rainfall [in mm] Area Not Available for Cultivation Variation from Normal -4-4 Permanent Pasture and Grazing Land Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops (Vision 225) [Ham] Cultivable Wasteland Current Fallow 5. DISTRIBUTION OF LAND HOLDING (Agriculture Census 25-6) Holding Area Classification of Holding Other Fallow Nos. % to Total Ha. % to Total Net Sown Area 3377 <= Ha Total or Gross Cropped Area (Tuensang HDR) 265 > to <=2 Ha Area Cultivated More than Once >2 Ha Cropping Inensity [GCA/NSA] Total WORKERS PROFILE [in '] (Statistical Handbook 24) 7. DEMOGRAPHIC PROFILE [in '] (Statistical Handbook 24) Cultivators 57 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 57 Population Agricultural Labourers Scheduled Caste Workers engaged in Household Industries Scheduled Tribe Workers engaged in Allied Agro-activities Literate Other workers 4 BPL 8. HOUSEHOLDS [in '] (Statistical Handbook 24) 9. HOUSEHOLD AMENITIES [Nos. in ' Households] (Nagaland HDR 24) Total Households 7 Having brick/stone/concrete houses Having electricity supply Rural Households 28 Having source of drinking water 3 Having independent toilets BPL Households Having access to banking services Having radio/tv sets (3/3/4). VILLAGE-LEVEL INFRASTRUCTURE [Nos]. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 22 Anganwadis (Nagaland HDR 24) Dispensaries Villages having Agriculture Power Supply Primary Health Centres (Nagaland HDR Hospitals (Statistical Handbook 24) 23) Villages having Post Offices/Sub Post Offices (Statistical Primary Health Sub-Centres (Nagaland HDR Hospital Beds (Statistical Handbook 23) 24) Handbook 23) 24 Villages having Banking Facilities 4 2. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools (Nagaland HDR 24) Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos] (Vision 225) Villages having Primary Health Centres (Nagaland HDR 24) Total N/P/K Consumption [MT] (Nagaland HDR 24) Pumpsets Energised [Nos] Villages having Potable Water Supply Certified Seeds Supplied [MT] Agro Service Centres [Nos] Villages connected with Paved Approach Roads Pesticides Consumed [MT] Soil Testing Centres [Nos] 3. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] (Nagaland HDR 24) Plantation nurseries [Nos] Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] (Vision 225) Farmers' Clubs [Nos] 8 Irrigation Potential Created (Tuensang HDR) 742 Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos] Net Irrigated Area (Total area irrigated at least once) INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels Rural/Urban Mandi/Haat [Nos] Wholesale Market [Nos] 4 Area irrigated by Wells Length of Pucca Road [Km] (Statistical Handbook 23) 35 Godown [Nos] Area irrigated by Tanks Length of Railway Line [Km] Godown Capacity[MT] Area irrigated by Other Sources Public Transport Vehicle [Nos] Cold Storage [Nos] Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] Cold Store Capacity[MT] 5. AGRO-PROCESSING UNITS 6. 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) 2 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) - - Jhum Paddy Fruit (Pulp/Juice/Fruit drink) (Statistical Handbook 23) - - Terrace Paddy Spices (Masala Powders/Pastes) - - Maize Dry-fruit (Cashew/Almond/Raisins) - - Small Millets Cotton (Ginnining/Spinning/Weaving) - - Mustard Milk (Chilling/Cooling/Processing) - - Soyabean Meat (Chicken/Motton/Pork/Dryfish) - - Potato Animal feed (Cattle/Poultry/Fishmeal) - - Rajmah (Kolar) ANIMAL POPULATION AS PER CENSUS 27 [in '] (Livestock Census 27) 8. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES (Statistical Handbook 24) Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 6 Animal Markets [Nos] Cattle - Cross bred Disease Diagnostic Centres [Nos] Milk Collection Centres [Nos] Cattle - Indigenous Artificial Insemination Centers [Nos] Fishermen Societies [Nos] 26 Buffaloes.3..2 Animal Breeding Farms [Nos] 2 Fish seed farms [Nos] Sheep - Cross bred Animal Husbandry Tng Centres [Nos] Fish Markets [Nos] Sheep - Indigenous. Dairy Cooperative Societies [Nos] - 28 Poultry hatcheries [Nos] functional Goat Improved Fodder Farms [Nos] Slaughter houses [Nos] Pig - Cross bred 9. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY (AA Report 23-4) # Pig - Indigenous 52 Fish Production [MT](22-3) Per cap avail. [gm/day] Horse/Donkey/Camel Egg Production [Lakh Nos] 758 Per cap avail. [nos/p.a.] 43. Poultry - Cross bred Milk Production [' MT](22-78 Per cap avail. [gm/day] 67. 3) Poultry - Indigenous 53 Meat Production [MT] 2 Per cap avail. [gm/day].3 : Data not available 6

7 District - Tuensang State - Nagaland Banking Profile Lead Bank - State Bank of India PLP 26-7 Total Rural Semi-urban Urban mfis/mfos BCs/BFs Villages Households Commercial Banks 7 7 N.A. Regional Rural Bank District Central Coop. Bank Coop. Agr. & Rural Dev. Bank Primary Agr. Coop. Society Nagaland SCB N.A. All Agencies N.A. 3-Mar-3 3-Mar-4 3-Mar-5 Growth (%) Share (%) 3-Mar-3 3-Mar-4 3-Mar-5 Growth (%) Share (%) Commercial Banks Regional Rural Bank Cooperative Banks Other agencies All Agencies N.A. N.A. N.A Mar-3 3-Mar-4 3-Mar-5 Growth (%) Share (%) 3-Mar-3 3-Mar-4 3-Mar-5 Growth (%) Share (%) Commercial Banks N.A. 352 Regional Rural Bank Cooperative Banks N.A. Other agencies All Agencies N.A. 453 CD Ratio During 24-5 Cumulative 3-Mar-3 3-Mar-4 3-Mar-5 Deposit Credit Deposit Credit Commercial Banks N.A. N.A. N.A. Commercial Banks Regional Rural Bank Regional Rural Bank Cooperative Banks N.A. N.A. N.A. Cooperative Banks Other agencies Other agencies All Agencies N.A. N.A. 9 All Agencies 785 N.A. 785 N.A. No. of Banks/Soc. Commercial Banks N.A. N.A. Regional Rural Bank Cooperative Banks N.A. N.A. Other agencies All Agencies N.A. N.A. 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Commercial Banks Regional Rural Bank Cooperative Banks Other agencies All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Broad Sector Crop Loan N.A. N.A. Term Loan (Agr) N.A. N.A. Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector RECOVERY POSITION Commercial Banks N.A. N.A. Regional Rural Bank N.A. N.A. Cooperative Banks N.A. N.A. Other agencies N.A. N.A. All Agencies N.A. N.A. Source : Lead Bank & SLBC. NETWORK & OUTREACH (As on 3/3/25) No. of accounts No. of Branches No. of non-formal agencies associated Per Branch Outreach 2. DEPOSITS OUTSTANDING 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Deposit [` in Amount of Loan [` in 4. CD-RATIO 5. PERFORMANCE UNDER FINCIAL INCLUSION (No. of A/cs) 6. PERFORMANCE TO FULFILL TIOL GOALS - (As on 3/3/25) Priority Sector to Agr. Sector to Weaker Sections under DRI Scheme Trg [` in Trg [` in Demand [` in 22-3 Trg [` in Trg [` in Trg [` in Recovery [` in Recovery [%] Demand [` in Recovery [` in Recovery [%] Trg [` in Demand [` in 24-5 Recovery [` in to Women Recovery [%] Average Ach[%] in last 3 years Average Ach[%] in last 3 years Average Rec. [%] in last 3 years 8