EXECUTIVE SUMMARY. Mandya PLP

Transcription

1 EXECUTIVE SUMMARY Specific characteristics of the District Mandya district is located in southern part of the state with a total area of 4,961 sq. km. having 7 talukas, 31 hoblies, 1,369 inhabited villages and seven towns with a total population of lakh. Agriculture is the mainstay of the economy with around 69.5% of the workers either directly dependent on agriculture as cultivators (44.7%) or indirectly as agriculture labourers (24.8%). The major agriculture crops in the district are paddy, ragi, horsegram and sugarcane. Industrially, Mandya is one of the backward districts of Karnataka state. There are 12 large and medium scale industries in the district of which 7 are agro based including 5 sugar factories. The district had 10,669 small industrial units providing employment to 48,619 people. The CD ratio of the district as on 31 March 2015 was 103.4% as against 100.6% in the previous year. Under the Prime Minister s Jan Dhan Yojana, the banks in the district together added 2,03,611 basic bank accounts as on 31 March As at the end of 31 August 2015, 1.91 lakh people had enrolled under Pradhan Mantri Suraksha Bima Yojana (PMSBY, 1.14 lakh Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and 1,150 people under Atal Pinchani Yojana. Sectoral trends in credit plan The achievement under the District Credit Plan for the past three years was 140.4% ( ), 113.1% ( ) and 107.4% ( ). However, the achievement under the agriculture term loans vis-à-vis the targets was 65.2%, 37.2% and 43.3% respectively for the years , and During the same period, the share of agriculture term loans in the GLC for agriculture was 7.3%, 4.6%, and 5.5% raising concerns regarding lack of capital formation in the agriculture. PLP projections for the year The projections made in the Base PLP for the year has been revised from `2,59, lakh to `3,22, lakh keeping in view the national priority of increasing capital formation in agriculture. The broad sector wise and sub sector wise projections are furnished in the tables given in the next page. Major constraints and suggested action points There are five sugar factories in the district of which two are in a delicate financial health, viz., Mysore Sugars (MYSUGAR) and Pandavapura Sahakara Sakkare Karkhane (PSSK). As sugarcane is the backbone of the district s economy, revival of PSSK and improving the financial position and functioning of MYSUGAR are critical for facilitating enhanced credit flow and thereby, improving the district s economy.other constraints that affect the credit flow are : delay in timely payment of dues to farmers by sugar factories, delay in energisation of pump sets, lack of assured and quality power supply in rural areas, lack of crop diversification, inadequate marketing arrangements for agriculture produce, lack of entrepreneurship, lack of post-harvest facilities etc. Modernization of irrigation canal network to increase water conveyance efficiency, ground water recharge & rain water harvesting structures, desiltation of minor irrigation tanks, post-harvest facilities for plantation and horticulture crops, creation of cold chain, and modern storage facilities can help in achieving the identified potential. Thrust Areas for The following areas have been identified in PLP for giving focused attention and thrust: (a) Coverage of all eligible farmers under Kisan Credit Card with special emphasis on meeting the credit needs of dry land farmers (b) Promotion of area based schemes - small ruminants and heifer calf rearing (c) Promotion of animal based protein production through livestock development (d) Agricultural Mechanization (e) Crop diversification to millets, horticulture crops, vegetables and flowers (f) Promotion of integrated farming (g) Credit linkage to 10,000 SHGs and increasing per group finance to `2.75 lakh; Promotion and credit linkage of JLGs and (h) Micro Enterprises and Agro and Food Processing Industries. 2

2 A PLP PROJECTIONS Farm Credit PLP projections for Projections i Crop Production, Maintenance and Marketing 1,74, ii Term loans for agriculture and allied activities 53, Sub total 2,27, B Agriculture Infrastructure 12, C Ancillary activities 5, I Credit potential for Agriculture (A+B+C) 2,44, II Micro, Small and Medium Enterprises 21, III Export credit IV Education 9, V Housing 11, VI Renewable Energy 3, VII Others 29, VIII Social infrastructure involving bank credit TOTAL PRIORITY SECTOR (I to VIII) 3,22, BROAD SECTORWISE PLP PROJECTIONS Renewable Energy, 1.16% Housing, 3.62% Education, 3.01% Export Credit, 0.12% MSME, 6.57% Others, 9.11% Social Infrastructure, 0.69% Agriculture, 75.72% 3

3 II Sr. no. PLP projections for the year (` in lakh) Credit Potential for Agriculture I A Farm Credit Particulars PLP Projections for i Crop production, maintenance and marketing ii Water Resource iii Farm Mechanization iv Plantation and Horticulture 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) x Others-Bullock, Bullock cart etc B i Sub total Agriculture Infrastructure Construction of storage facilities (Warehouses, Market yards, godowns, silos, cold storage units/cold storage chains) ii Land development, Soil conservation, Watershed development ii C Others (Tissue culture, Agri bio technology, Seed production, Bio pesticides/fertilizers, vermi composting Sub total Ancillary activities i Food and agro processing ii Others 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 VII Others VIII Social infrastructure involving bank credit Total Priority Sector

4 DISTRICT PROFILE: MANDYA DISTRICT, KARNATAKA STATE, MYSORE DIVISION 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 4961 Agro-climatic Zone Southern dry zone (Zone 6) No. of Sub Divisions 2 Climate Semi-arid tract with maximum and minimum temp of 35 No. of Blocks 7 degree centigrade and 10 degree centigrade respectively No. of Villages (Inhabited) 1369 Soil Type: Laterite, red loamy, coastal Alluvium No. of Panchayats LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported Rainfall [mm] Normal Actual Forest Land Area Not Available for Cultivation Variation from Normal Permanent Pasture and Grazing Land Avail. Of GW Net annual recharge Net annual draft Balance Land under Misc. Tree Crops Cultivable Wasteland DISTRIBUTION OF LAND HOLDING Current Fallow Classification Holding Area 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 >2 Ha Cropping Intensity [GCA/NSA] 126 Total WORKERS PROFILE Census ['000] 7. DEMOGRAPHIC PROFILE [in '000]-2011 census Cultivators 389 Category Total Male Female Rural Urban Of above, Small/Marg. Farmers NA Population Agricultural Labourers 216 Sch. Caste Workers in Household Industries 17 Sch. Tribe Workers in Allied Agro-activities NA Literate Other workers 248 BPL 8. HOUSEHOLDS (2011 census) In ['000 ] 9. HOUSEHOLD AMENITIES (2011 census) In ['000 ] Total Households 429 Having brick/stone roofs 366 Having electricity supply 391 Rural Households 355 Having drinking water source 331 Having indep. toilets 159 BPL Households 81 Access to banking services 235 Having radio/tv sets VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 1369 Anganwadis 2525 Dispensaries 438 Villages having Agriculture Power Supply 1369 Primary Health Centre 115 Hospitals 569 Villages having Post Offices 352 Prim. Health Sub Cent 10 Hospital Beds 3280 Villages having Banking Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 1369 Fertiliser/Seed Outlets [Nos] 979 Agriculture Pumpsets[Nos] Villages having Primary Health Centres 114 Total N/P/K Consumption [MT] Pumpsets Energised [Nos] Villages having Potable Water Supply NA Certified Seeds Supplied [MT] Agro Service Centres [Nos] 10 Villages connected with Paved Approach Roads 1711 Pesticides Consumed [MT] 14 Soil Testing Centres [Nos] IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] Plantation nurseries [Nos] 24 Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] 1638 Farmers' Clubs [Nos] 179 Irrigation Potential Created Threshers/Cutters [Nos] 1218 Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING once) Area irrigated by canals/channels Rural/Urban Mandi/Haat [Nos] NA Wholesale Mkt. [Nos] 14 Area irrigated by wells Length of Pucca Road [Km] Godown [Nos] 220 Area irrigated by tanks Length of Railway Line [Km] 97 Godown Capacity[MT] Area irrigated by Other Sources 1829 Public Transport Vehicle [Nos] 8524 Cold Storage [Nos] Nil Irrigation Potential Utilized (Gross Irrigated Goods Transport Vehicle [Nos] Cold Storages [MT] Nil Area) 15. AGRO-PROCESSING UNITS MAJOR CROPS Type of Processing Activity No Cap.[MT] Crop Avg. Food-Rice/Flour/Dal/Oil/Tea/Coffee) NA NA Area (Ha) Prod. (MT) Area (Ha) Prod. Yield(Kg/H Sugarcane (Crushing cap. Lakh MT) 5 24 Paddy (MT) a) 3552 Fruit (Pulp/Juice/Fruit drink) 5 NA Ragi Spices (Masala Powders/Pastes) 2 NA Maize Dry-fruit (Cashew/Almond/Raisins) NA NA Pulses Cotton (Ginning/Spinning/Weaving) 40 NA Oilseeds Milk (Chilling/Cooling/Processing) Sugarcane Meat (Chicken/Mutton/Pork) NA NA Animal feed(cattle/poultry/fishmeal) NA NA 5

5 17. ANIMAL POPULATION AS PER CENSUS (2012 Livestock census) 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/ Dispensaries & 122 Animal Markets [Nos] Cattle - Cross bred['000] Mobile Veterinary Clinics [Nos] Milk Collection Centre [Nos] 919 Cattle Indig ['000] Artificial Insemination Centre [Nos] 2 Fishermen Societies [Nos] 23 Buffaloes['000] Animal Breeding Farms [Nos] 2 Fish seed farms [Nos] 8 Sheep - Cross bred (No) Animal Husbandry Tng Centres -No 1 Fish Markets [Nos] 32 Sheep Indigenous ['000] Dairy Cooperative Societies [Nos] 106 Poultry hatcheries [Nos] 1 Goat ['000] Improved Fodder Farms [Nos] Slaughter houses [Nos] 3 Pig - Cross bred (No) MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig Indigenous (No) Fish Production [MT] Per cap avail. [gm/day] 54 Horse, Donkey, Camel etc Egg Production [Lakh Nos] 486 Per cap avail. [nos/p.a.] 27 Poultry Layer ['000] 324 Milk Production ['000 MT] 612 Per cap avail. [gm/day] 339 Poultry Broiler ['000] 468 Meat Production ['000 MT] 7418 Per cap avail. [Kg/p.a.] 11 Sources (1) District Statistical Handbook (2) Census (3) Livestock Census 2012 (4) Perspective District Industrial Plan Predominant economic activities : The Net District Domestic Product (NDDP) at constant prices ( ) was at ` 5,15,511 lakh. Which works out to 1.97 % of the NDDP of the State. The per capita income for the year was `46,049. Agriculture is the mainstay of the economy with around 69.5% of the workers either directly dependent on agriculture. Around 85.5% of the area is under food crops forming 2.62% of the state total. Paddy, Ragi and Horsegram are the major food crops and Sugar cane is the major cash crop of the district. 14.5% of the area is under non-food crops. Coconut is the major horticulture crop. Sericulture is a major economic activity providing employment to around 34,392 families. The district stands first in milk collection in the state. There are 12 large and medium scale industries in the district. There are 10,669 MSE units providing employment to 48,619 people. 22. Issues critical to the district There are five sugar factories in the district of which two are in a delicate financial health. As sugarcane is the backbone of the district s economy, revival/improving the financial position of these two factories is critical for improving the district s economy. Other constraints are delay in timely payment of dues to farmers by sugar factories, lack of entrepreneurship, delay in energisation of pump sets, lack of assured and quality power supply in rural areas, lack of crop diversification, inadequate marketing arrangements for agriculture produce, lack of post-harvest facilities etc. Modernization of irrigation canal network, Ground Water recharge & rain water harvesting structures, desiltation of minor irrigation tanks can help to tap the otential in agriculture sector. 6

6 BANKING PROFILE State : Karnataka District: Mandya Lead Bank : Vijaya Bank Agency No. of Banks 1. NETWORK & OUTREACH (As on 31/03/2015) No. of Branches No. of non-formal agencies associated Per Branch Outreach Total Rural Semi- Urban mfis/mf SHGs/JLGs BCs/BF Villages Household Commercial Banks Kaveri Grameena Bank Dist.Cent.Coop. Bank PCARDB PACS Others ( KSFC) All Agencies DEPOSITS OUTSTANDING FOR THREE YEARS TO Agency No. of accounts Amount of Deposit [`.'000] Commercial Banks NA NA Kaveri Grameena Bank NA NA Dist.Cent.Coop. Bank NA NA Others NA NA All Agencies NA NA NA LOANS & ADVANCES OUTSTANDING FOR THREE YEARS TO Agency No. of accounts Amount of Loan [`.'000] Commercial Banks NA NA Kaveri Grameena Bank Cooperative Banks NA NA Others NA NA All Agencies NA NA CD-Ratio 5. Performance under Financial Inclusion Accounts Agency CD Ratio Agency During Cumulative Mar Mar- 31-Mar-15 Deposit Credit Deposit Credit Commercial Banks Commercial Kaveri Grameena Bank Banks Regional Rural Cooperative Banks Bank Cooperative Nil Others ( KSFC) NA NA NA Banks Others All Agencies All Agencies 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) Agency Priority Sector to Agr. Sector to Weaker Sections Amount [`.'000] % of Total Amount Amount [`.'000] [`.'000] % of Total % of Total under DRI Amount [`.'000] % of Total to Women Amount [`.'000] % of Total Commercial Banks Kaveri Grameena Bank Nil Cooperative Banks Nil Others ( KSFC) Nil Nil All Agencies

7 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Agency Average Target Target Target Ach Ach Ach last [`.'000] [`.'000] [`.'000] [`.'000] [`.'000] [`.'000] 3 years Commercial Banks Kaveri Grameena Bank Cooperative Banks Others ( KSFC) All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS *** Broad Sector Average Target Target Target Ach Ach Ach last 3 years Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector RECOVERY POSITION ++ Agency Average Demand Demand Recover y Demand [`'000] Rec. in last 3 years Commercial Banks Kaveri Grameena Bank Cooperative Banks NA NA NA NA Others NA NA NA NA All Agencies Source: Lead Bank, Annual Reports of 0 Mandya DCCB and Kaveri Grameena 0 Bank 10. Issues critical to banking During the year , the year to- year growth in deposits and advances as compared to previous year was 15% and 18% respectively. The CD ratio of the district was above 100% in the past three years. The percentage of advances to weaker sections was 35.5% of Priority Sector advances and that of DRI advances 0.8%, advances to minority community 3.4% and advances to women was 17.2% of the Priority Sector as at the end of 31 March The achievement under the Annual Credit Plan for the past three years was more than 100%. Though the average achievement as compared to targets under crop loan was 147.7% in the past three years ending 31 March 2015, the achievement under agriculture term loans was 47.2%. The share of agriculture term loans in the GLC for agriculture was 7.3%, 4.6%, and 5.5% for the past three years ending Financial Inclusion Plan To eradicate 'financial untouchability', GoI has launched nation-wide financial inclusion programme 'PM's Jan Dhan Yojana' intended to include the marginalized section of the society in to formal banking fold. During the year , Basic Bank Accounts were opened in the Mandya district. GoI has also announced two social security schemes viz, Pradhan Mantri Suraksha Bima Yojana (PMSBY) for accident 8