Executive Summary. Part I: Theme and Sector Potentials

Transcription

1 Part I: Theme and Sector Potentials Executive Summary The Potential Linked Credit Plan for has been prepared with the underlying theme of Accelerating the pace of capital formation in agriculture and allied sector. The document, therefore, focuses on efforts needed to increase flow of term loans for agricultural and allied purposes as also in interventions, both credit and non-credit, needed to bridge critical infrastructural gaps identified for various activities under Priority Sector., constituting just under 8% of Kerala s geographical area is home to more than 9% of the State s population while contributing nearly 0% of the State s GDP. The share of agriculture in the district s GDP is around 0%. A unique geographical feature of the district is the Kole wetlands, which produce nearly 50,000 tonnes of paddy every year. The district has more than,00 banking outlets including nearly % of commercial bank branches in the State. While the overall Priority Sector target as also the sub-targets for agriculture and NFS under the District Credit Plan [DCP] have been comfortably surpassed in the previous year, the OPS sector targets were not achieved. Within agriculture, the agri term loan achievements fell short of expectations. In this background, the theme of this PLP assumes lot of significance. For 204-5, against the District Credit Plan target of ` 0,865 cr., the achievement was `,327 cr. [04%]. The share of priority sector to total advances in the district is 45%, while the State Average is 59%. Sector-wise achievement for the district was 35% for agriculture, 05 % for NFS and 79% for OPS. Financial Literacy and Counselling Centres [FLCC] function in all the 6 blocks of the district. That apart, Kuttikkad Farmers Service Coop Bank has the unique distinction of setting up an FLC with funding support from NABARD. NABARD has already prepared the base PLP for the period 202-7, co-terminus with the XII Five Year Plan period and the credit potential estimated thereunder for was ` 2, crore. Now, these estimations have been revised in the light of subsequent changes in the planned infrastructure, linkage support and the change in reference unit costs/scales of finance for various activities. Views of various line departments, their ongoing programmes and proposed initiatives have been appropriately factored, while subsidy benefits, wherever available, have also been suitably leveraged in the revised potentials so estimated. The total re-assessed credit potential for 206-7, under Priority Sector for, is pegged at ` 2, crore, registering a growth of 2% over the PLP estimates. About 39% of the credit potential is estimated for agriculture and allied activities while NFS and OPS account for the rest. Crop Loan: Net Sown Area in the district at.29 lakh ha. account for 43% of the total geographical area, with a Cropping Intensity of 38%. Major crops are paddy, tapioca, coconut, arecanut, banana and vegetables. The total credit potential for is re-assessed at ` crore after considering anticipated increase in Scales of Finance for various crops, the cropping pattern, the benefits of on-going irrigation projects under RIDF, etc. Considering the small nature of land holdings, special focus has to be given for JLGs engaged in collective farming, especially on lease lands. Water Resources: Net Irrigated Area is just over 63,000 ha. On-going irrigation projects, on completion, will augment irrigation potential by nearly 29,000 ha. Of the 6 blocks, only one is classified as Critical where no further ground water extraction is permitted. The sector s credit potential for is re-assessed at ` 55.6 crore. Speedy implementation of on-going infrastructure works should be the main focus in this sector. Plantation and Horticulture: Coconut, rubber, arecanut, pepper, nutmeg, cashew etc. are the major Plantation & Horticulture crops grown in the district. Various P&H schemes of VFPCK, Agri Dept., CDB, NHB, etc. are being implemented in the district. Credit potential for is estimated at ` crore. Nurseries for supply of quality planting materials, wider adoption of precision farming techniques, processing facilities for fruits, etc. are the major infrastructure gaps identified.

2 Animal Husbandry: Activities like dairy, poultry and goat-rearing are very popular in the district. In Poultry, Backyard Cage Layer and Broiler units are quite popular. The cumulative potential for AH activities for is re-assessed at ` crore. Fisheries: With a 54-km coastline and more than 3,000 ha of water spread suitable for aquaculture, and active support of both the line departments and FFDA, fisheries sector has considerable potential in the district and the base PLP estimates of ` 34.5 crore has been retained for Storage Godowns and Market Yards: Both the CWC and SWC have created warehousing capacity aggregating nearly 45,000 MT in the district. But there is a need to have smaller size primary storage and processing facilities, especially for fruits and vegetables. Good-working PACS having own land need to set up such facilities, with direct funding from NABARD and availing GoIsubsidy benefits. The potential for has been assessed at ` 2.65 crore. Land Development: The highly undulating terrain of the district calls for scientific measures for land development and soil conservation. The Cultivable Wasteland and Current Fallows in the district are estimated at 8,800 ha. each. Ongoing RIDF projects for land development and flood protection will benefit more than 3,000 ha. The credit potential for is pegged at ` crore. There is need to set up soil/nutrient testing facilities in all blocks to facilitate issuance of Soil Health Cards. Ancillary Activities- The sector covers Food processing and Other loans to Cooperative Societies of farmers for disposing of their produce, Agri Clinics/Agri Business Centres, to PACS/FSS/LAMPS, to MFIs for on lending. The potential for the sector FOR is assessed at ` cr. MSME: The district has the 2 nd highest number of registered SSIs/MSMEs in the State. There are a number of industrial clusters functioning in the district. The credit potential for has been re-assessed at ` crore for MSME. Part II: Area Based Schemes and Thrust Areas for Area Based Schemes [ABS] are cluster-based single-purpose small projects/schemes to be implemented with institutional credit support while also addressing both backward and forward linkages to fully realise scheme benefits and maximise impact for the beneficiaries. In the district, two area based schemes have been proposed at Pullu village and Peringandur Parlikad and Minaloor villages in Thalappilly taluk. There are a lot of subsidy/incentive schemes being implemented by various line depts, NABARD, GoI, etc. If these can be converged and streamlined, then it would influence more positively the flow of credit to thrust areas. NABARD s foray into directly lending, especially to PACS and Producer Organisations will definitely encourage aggregation at the producer level which is expected to translate into more returns for the farmers. Considering small size of agricultural farms and the need for value addition and processing facilities, the thrust areas for would ideally be a more focused approach to group lending [read SHGs/JLGs/Farmers Collectives] while also ensuring setting up of primary processing and storage facilities to encourage warehousing receipt financing to farmers. Collective farming and farmer-level aggregation and processing seems to be the way forward if farmers are to realise better price for their produce. Part III: Infrastructure Needs There are as many as 96 on-going RIDF projects in the district, with committed loan assistance of ` 462 cr., covering rural roads, bridges, public health centres, anganwadis, colleges, warehouses, fish landing centres, agro processing units, watershed development, intrastructure in Kole lands, rural drinking water supply, etc. Critical infrastructure requirements for the next year in terms of rural connectivity, drinking water, soil conservation and watersheds, fisheries development, farmland infrastructure, irrigation, etc., entailing investments aggregating ` 732 crore have been proposed by various line departments for funding support in the district. That apart, there is a need 2

3 for private investments in large number of dispersed facilities like health and sanitation, waste management, renewable energy, marketing infrstructure etc. which would supplement the public investments in these areas. Part IV: Conclusion Integrated rural development is a noble, yet onerous, task. It requires the committed and coordinated effort of various partners and stakeholders having shared perception to the cause of enhancing the lives and livelihoods of the rural poor. Banks and line departments need to continue to work together in facilitating and ensuring performance at the ground-level, while at the same time, strengthening the MIS reporting systems [SAMIS,..] so that performance gets reported at the right time. Tighter monitoring and review in various fora like BLBC, DCC, DLRC, SLBC, etc. will ensure holistic development with inclusive growth. Appendix A to Annexure : Broad Sector wise PLP Projections ( ` lakhs) Sr. No. I A Particulars Credit Potential for Agriculture (A+B+C) Farm Credit PLP Projections i Crop Production, Maintenance and Marketing ii Term Loan for agriculture and allied activities Sub Total B Agriculture Infrastructure C Ancillary activities 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 VII Social Infrastructure involving bank credit Total Priority Sector (I to VIII) PLP Projections for Social Infrastructure 2.92% Others 4.50% Renewable Energy 0.07% Agriculture 39.% Housing 27.99% MSME 24.03% Education % Export Credit 0.38% 3

4 I II ( ` lakhs) Table : Summary of Sector/Sub sector- wise PLP Projections for the year Sr. No. A B C Particulars Credit Potential for Agriculture PLP Projections 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 Agriculture Infrastructure i Construction of storage facilities (Waterhouses, 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, Biopesticies/ fertilizers, Vermi composting) Sub Total Ancillary activities i Food and Agro processing Others ( to Cooperative Societies of farmers for disposing of their ii produce, Agri Clinics/Agri Business Centres, to PACS/FSS/LAMPS, to MFIs for on lending0 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 VI Renewable Energy Others ( to SHGs/JLGs, loans to distressed persons to preay non-institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) VII Social Infrastructure involving bank credit Total Priority Sector

5 Map of the district 5

6 District - Thrissur State - Kerala Division No. of Blocks 6 Climate Dry Sub humid & Per Humid No. of Villages (Inhabited) 254 No. of Panchayats 92 Soil Type Laterite, red loamy, coastal Alluvium 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported Forest Land Area Not Available for Cultivation Normal Actual 0369 Rainfall [in mm] Variation from Normal Permanent Pasture and Grazing Land 2 Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 244 [Ham] Cultivable Wasteland DISTRIBUTION OF LAND HOLDING Current Fallow Other Fallow Net Sown Area Total or Gross Cropped Area Area Cultivated More than Once 8796 Holding Area Classification of Holding 833 Nos. % to Total Ha. % to Total 2865 <= Ha % % 7780 > to <=2 Ha % % >2 Ha % % Cropping Inensity [GCA/NSA] 38 Total % % 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [No.] Cultivators Of the above, Small/Marginal Farmers Agricultural Labourers Workers engaged in Household Industries Workers engaged in Allied Agro-activities Other workers 42 Category Total Male Female Rural Urban 7 Population Scheduled Caste Scheduled Tribe NA Literate BPL (families) HOUSEHOLDS [No.] 9. HOUSEHOLD AMENITIES [No.of Households] Total Households Having brick/stone/concrete houses 6250 Having electricity supply Rural Households Having source of drinking water Having independent toilets BPL Households Having access to banking services Having radio/tv sets VILLAGE-LEVEL INFRASTRUCTURE [Nos]. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 204 Anganwadis 2966 Dispensaries 6 Villages having Agriculture Power Supply Primary Health Centres 96 Hospitals 7 Villages having Post Offices 204 Primary Health Sub-Centres 9 Hospital Beds 359 Villages having Banking Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 254 Fertiliser/Seed/Pesticide Outlets [Nos] 259 Agriculture Pumpsets[Nos] Villages having Primary Health Centres 96 Total N/P/K Consumption [MT] 8247 Pumpsets Energised [Nos] Villages having Potable Water Supply 235 Certified Seeds Supplied [MT] Agro Service Centres [Nos] 20 Villages connected with Paved Approach Roads 204 Pesticides Consumed [MT] NA Soil Testing Centres [Nos] 3. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 032 Plantation nurseries [Nos] 20 Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] Farmers' Clubs / Haritha 62 Sanghoms [Nos] 75 / 60 Irrigation Potential Created 0535 Threshers/Cutters [Nos] KVK / KVB (Nos.) / 05 Net Irrigated Area(Total area irrigated at least once) INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 5947 Rural/Urban Mandi/Haat [Nos] 8 Wholesale Market [Nos] 28 Area irrigated by Wells Length of Pucca Road [Km] 286 Godown [Nos] 43 Area irrigated by Tanks 362 Length of Railway Line [Km] 95 Godown Capacity[MT] 0450 Area irrigated by Other Sources 8469 Public Transport Vehicle [Nos] Cold Storage [Nos] 3 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 Food (Rice/Flour/Dal/Oil/Tea/Coffee) 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/Motton/Pork/Dryfish) Animal feed (Cattle/Poultry/Fishmeal) District Profile. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) No. of Sub Divisions Agro-climatic Zone Western plains and Ghat Region - Coastal Midland Region (Zone 2) No of units Cap.[MT] Crop 49 NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) Nil Paddy Coconut Rubber Banana m nuts mn nuts 6337 mn. nuts Other Plantain Arecanut Pepper ANIMAL POPULATION AS PER CENSUS INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Avg. Yield [Kg/Ha] Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 8 Animal Markets [Nos] Cattle - Cross bred Disease Diagnostic Centres [Nos] Milk Collection Centres [Nos] 284 Cattle - Indigenous Artificial Insemination Centers [Nos] 6 Fishermen Societies [Nos] 46 Buffaloes Animal Breeding Farms [Nos] 2 Fish seed farms [Nos] Sheep - Cross bred Animal Husbandry Tng Centres [Nos] 3 Fish Markets [Nos] 24 Sheep - Indigenous 52 Dairy Cooperative Societies [Nos] 284 Poultry hatcheries [Nos] 2 Goat Improved Fodder Farms [Nos] 3 Slaughter houses [Nos] 359 Pig - Cross bred MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 452 Fish Production [MT] 7965 Per cap avail. [gm/day] NA Horse/Donkey/Camel Egg Production [Lakh Nos] 848 Per cap avail. [nos/p.a.] 72 Poultry - Cross bred Milk Production ['000 MT] 95 Per cap avail. [gm/day] Poultry - Indigenous Meat Production [MT] 4992 Per cap avail. [gm/day] 8 Sources (if not mentioned against the respective item): Item Nos., 6, 7, 9 & 0 - Census 20; Item Nos. 2, 3, 5, 2, 3 & 4 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item No. 8 - NREGA Report; Item No. 5 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 6 - DACNET; Item No. 7 - AH Census 2007; Item Nos. 8 & 9 - Dir. of Animal Hus./Dir. of Eco. & Stat. 6

7 District - Thrissur State - Kerala Lead Bank - Canara Bank 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 Others (UCBs ) All Agencies DEPOSITS OUTSTANDING 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) Commercial Banks NA NA NA Regional Rural Bank NA NA NA Cooperative Banks NA NA NA Others NA NA NA All Agencies NA NA NA LOANS & ADVANCES OUTSTANDING 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) Commercial Banks NA NA NA Regional Rural Bank NA NA NA Cooperative Banks NA NA NA Others NA NA NA All Agencies NA NA NA CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) Commercial Banks Regional Rural Bank Cooperative Banks Others CD Ratio Cumulative 3-Mar-3 3-Mar-4 3-Mar-5 Deposit Credit Deposit Credit All Agencies All Agencies 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 3/03/205) Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Broad Sector Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector RECOVERY POSITION Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies No. of Banks/Soc Demand Average Recovery Recovery Demand Commercial Banks Regional Rural Bank Cooperative Banks Others Priority Sector to Agr. Sector to Weaker Sections under DRI Scheme to Women Banking Profile. NETWORK & OUTREACH (As on 3/03/205) No. of Branches No. of non-formal agencies associated Per Branch Outreach No. of accounts No. of accounts of Deposit of Loan Average Ach in last 3 years Ach in last 3 years Average Recovery Recovery Demand [Rs. Recovery Recovery Rec. in '000] last 3 years Sources : Lead Bank & SLBC 9