PLP Ratnagiri District EXECUTIVE SUMMARY

Transcription

1 EXECUTIVE SUMMARY 1. Specific Characteristics of the District The Theme of is Accelerating the pace of capital formation in agriculture and allied sector. Ratnagiri is situated in Sahyadri hills, south western part of Maharashtra and spread over a geographical area of 8325 sq. km. Agro-climatic conditions of the district are suited for horticulture crops. Mango and Cashew are the important horticulture crops of export value. There are three geographical regions viz. eastern hilly region of Sahyadri ranges, middle plateau region and western coastal region. Administratively the district is divided into nine blocks. The district has a population of lakh of which 1.44% belongs to Schedule Caste and 1.18% belongs to schedule tribe. There are 1123 females per 1000 males. Literacy rate is 83%. In view of long coast line of 167 km, marine fishery is an important activity in the district. Ratnagiri district is predominantly agricultural having geographical area of 8.21 lakh hectares. Paddy, Nagali, and other pulses are the main Kharif crops of the district. Mago and Cashew are major horticulture crops. There are 189 branches of 31 Commercial Banks, 25 branches of Vidharbha Konkan Gramin Bank and 74 branches of DCCB, in the district. Major rivers in the district are Savitri, Vashishti, Shastry, Jagbudi, Bav, Muchkundi and Jaitapur. Ratnagiri is well connected by rail and road. 2. Potential Estimated for the District has projected a potential of lakh covering agriculture, nonfarm sectors and other priority sectors. The trend of credit flow achieved during 3 years is given below: Activity Achievement ( Crore) DCP Target ( Crore) Crop Loan Term Loan Total Agri Credit Non Farm Sector Other Priority Sector Grand Total The credit dispensation increased from crore in to 1178 crore in and crore in Setback in in GLC was due to environmental policies declared by Government. The total deposits and advances outstanding as on 31 March 2015 of all banks stood at crore and crore respectively forming Credit Deposit ratio at 71%. 1

2 Crop loan : Projections of lakh constitute only 28% share in the credit potential of the district. Paddy is the main crop due to abundant rain. Irrigation facilities have not increased much during the year. However, farmers are diverting to other crops like ground nut, vegetables and spices steadily. Scope for increase in paddy area is limited. It is based on scale of finance recommended for by DLTC. The GoI s policy thrust on ensuring food security and concessional rate of interest has positively resulted in enhanced potential for crop loans. Plantation and Horticulture: As compared to crop loans, the share of the Agricultural Term Loans of lakh (10%) is considered to be very low in view of Ratnagiri is basically known as horticulture district. The large wasteland is being converted to mango and cashew cultivation due to 100% subsidy under Employment Guarantee Scheme for horticulture plantation implemented by the Govt. of Maharashtra. Animal Husbandry: Dairy and poultry activities are likely to pick up during the year. Goat rearing is suitable activity due to availability of large fallow pasture land useful for grazing. There is good demand for goat in the district. It is an important activity for landless, women, SF/MF to augment their income. The per capita milk production in Ratnagiri district at about 96gm/day which is very low compared to the State average of 209 gm/day and recommended level of 250 gm/day. Govt of Maharashtra has introduced schemes for dairy, poultry and goatery with subsidy of 50% and 75% for general and scheduled caste/scheduled tribe respectively since These activities are likely to pick up during the year. Non Farm Sector: One of the major areas of concern was the slow pace of development under MSME in the district. This sector has potential to create employment and absorb the surplus labour after fulfilling the need of agricultural sector. It has abundant potential for development of agro-processing units. The PLP envisages credit flow of lakh to MSME. One atomic power generation plant and few big industries which are likely to set up in near future will change the economy of the district. Proposed four lane national highway also will boost the transport and marketing activities alongwith tourism. Maharashtra Industrial Development Corporation has developed industrial area of Hectares. District Industry Centre is active in promoting various skill based rural industries. Quality control and standardisation would increase the market for the rural industrial products. DIC has submitted proposal for Mango cluster to Govt of India which was likely to be operationalised in Other Priority Sector: Activities covered under Other Priority Sector include professionals and selfemployed, housing, transport operators, etc. Housing loans and educational loans continue to predominate, in which the banks had deployed larger funds.under Other Priority Sector, the credit flow has been satisfactory since past few years. The estimated credit flow to this sector has been worked at lakh. Export credit ( 4200 lakh) and social infrastructure ( 1300 lakh) are new areas as per new Priority Sector lendings guidelines for banks for finance. Fisheries: There are 7 creeks useful for navigation and for large scale fishing. In association with Irrigation Department, fisheries department has leased ponds for inland fisheries. NCDC is extending assistance for construction of boats. Various scheme are being implemented by MPEDA, FFDA etc. Hence scope for increasing bank loan is limited. No significant increase in projection is made in PLP. 2

3 Increase in agricultural activities in the district correlates to various professional agriculture related extension services through use of agriculture graduates and others by setting up Agri-Clinics and Agri-Business centres [ACABCs]. A model scheme is available with banks. The scheme has been recently revised by Govt. of India. ACABC training centre has been established in the district in The total number of tractors is around 584 in the district. The depth of surface soil at many places is less than one foot. Out of the total farmers, small farmers have land holding of less than 2 hectares. NABARD has encouraged banks to form Farmers Clubs [FCs] and use Individual Rural Volunteers [IRVs] to function as SHPIs to provide larger credit to this segment. RBI has recommended the use of external agencies for the development of non-financial functions relating to micro Finance i.e. FCs, IRVs etc., by banks to increase the flow of credit to SHGs and other micro-entrepreneurs, without any difficulty. Area Development scheme for cashew processing has been prepared in view of the increasing plantation under cashew over past few years and has good scope for generation of employment. The scheme has been favoured by bankers also. The deposit mobilized by all the banks functioning in the district stood at ` Lakh and Loans and Advances outstanding stood at ` Lakh thus CD ratio works out 71% as on 31 March

4 Broad sector-wise pojections - ( District : Ratnagiri Sr. No. 1 Farm Credit Sector State : Maharashtra ( lakh) Financial Projections 2 Crop Production, Maintenance and Marketing Term Loan for agriculture and allied activities Subtotal Agriculture Infrastructure Ancillary activities Credit Potential for Agriculture(A+B+C) Micro, Small and Medium Enterprises 8 Export Credit 9 Education 10 Housing 11 Renewable Energy 12 Others (Loans toshgs / JLGs) 13 Social Infrastructure involving bank credit Total Priority Sector

5 The assessment has been made on the basis of potential available in the district, past trends in disbursements under different sectors and favourable conditions for credit flow to agriculture and rural sector. ( lakh) Sr. No Particulars PLP Projections16-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing ii Water Resources iii Farm Mechanisation iv Plantation and Horticulture & Sericulture v Forestry and Waste Land Development vi AH - Dairy Development vii AH Poultry Development viii AH - Sheep / Goat / Piggery Development ix Fisheries Development 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-technolgy, Sead production, Bio pesticides / fertilisers, Vermin composting) Sub Total C Ancillary activities i Food and Agro processing ii Others (Loans to cooperative societies of farmers for disposing of their produce, Agri clinics / Agri Business Centres, Loans to PACS / FSS / LAMPS, Loans to MFIs for on lending Sub Total Total Agriculture II Micro, Small and Medium Enterprises i MSME Working capital 3000 ii MEME Investment Credit Total MSME III Export Credit IV Education V Housing VI Renewable Energy VII Others (Loans to SHGs / JLGs etc.) VIII Social Infrastructure involving bank credit Total Priority Sector

6 MAP OF RATNAGIRI DISTRICT 6

7 District - Ratnagiri State - Maharashtra Division - Kokan Total Geographical Area (Sq.km) Eastern Hilly tract Region 2. The middle plateau 3. Western Agro-climatic Zone No. of Sub Divisions 3 Coastal Region No. of Blocks No. of Villages (Inhabited) Climate Hot & Humid 1. Low water holding capacity for paddy cultivation 2. Coastal area with salinity for coconut and arcanut cultivation 3. fallow land on Soil Type No. of Panchayats 851 hilly slopes for cultivation of Mango & Cashew 4. Saline uncultivable land due to creeks & Sea 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported Forest Land Area Not Available for Cultivation Normal Actual 5835 Rainfall [in mm] 3591mm 3382 mm 4386 mm 3131mm Variation from Normal Permanent Pasture and Grazing Land Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops Water [Ham] 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 Nos. % to Total Ha. % to Total <= 1 Ha >1 to <=2 Ha >2 Ha Total WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] 575 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 364 Population Scheduled Caste 25 N.A. N.A. N.A N.A. 15 Scheduled Tribe 20 N.A. N.A. N.A N.A BPL 588 Total Households 377 Having brick/stone/concrete houses Having electricity supply Rural Households 336 Having source of drinking water Having independent toilets 305 BPL Households 135 Having access to banking services Having radio/tv sets 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 1539 Anganwadis 1867 Dispensaries 12 Villages having Agriculture Power Supply 1539 Primary Health Centres 67 Hospitals 14 Villages having Post Offices 656 Primary Health Sub-Centres 378 Hospital Beds 1427 Villages having Banking Facilities 123 Villages having Primary Schools 1540 Fertiliser/Seed/Pesticide Outlets [Nos] 601 Agriculture Pumpsets[Nos] 381 Villages having Primary Health Centres 441 Total N/P/K Consumption [MT] Pumpsets Energised [Nos] 4202 Villages having Potable Water Supply 1370 Certified Seeds Supplied [MT] Agro Service Centres 386 [Nos] Villages connected with Paved Approach Roads 1430 Pesticides Consumed [MT] 3 Soil Testing Centres [Nos] 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 584 Plantation nurseries [Nos] 25 Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] N.A. Farmers' Clubs [Nos] 139 Irrigation Potential Created Threshers/Cutters [Nos] Krishi Vigyan 4272 Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 4555 Rural/Urban Mandi/Haat [Nos] NA Wholesale Market [Nos] Area irrigated by Wells 1200 Length of Pucca Road [Km] 7178 Godown [Nos] 68 Area irrigated by Tanks 674 Length of Railway Line [Km] 194 Godown Capacity[MT] Area irrigated by Other Sources 6770 Public Transport Vehicle [Nos] Cold Storage [Nos] 12 Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] Cold Store Capacity[MT] N.A. Type of Processing Activity Sugarcane (Gur/Khandsari/Sugar) Fruit (Pulp/Juice/Fruit drink) 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Food (Rice/Flour/Dal/Oil/Tea/Coffee) 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) No of units Cap.[MT] Avg. Yield Crop Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Rice Nagli Pulses Oilseeds N.A. N.A. Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 156 Animal Markets [Nos] Cattle - Cross bred na na 1 Milk Collection Centres Disease Diagnostic Centres [Nos] 97 [Nos] Cattle - Indigenous na na na Artificial Insemination Centers [Nos] 156 Fishermen Societies [Nos] 70 Buffaloes na na Animal Breeding Farms [Nos] Fish seed farms [Nos] Sheep - Cross bred Animal Husbandry Tng Centres [Nos] 51 Fish Markets [Nos] 8 Sheep - Indigenous 127 na na Dairy Cooperative Societies [Nos] 270 Poultry hatcheries [Nos] Goat N.A. N.A. Improved Fodder Farms [Nos] Slaughter houses [Nos] 3 Pig - Cross bred N.A. N.A. N.A. District Profile 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Literate 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 17. ANIMAL POPULATION AS PER CENSUS INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 290 N.A. N.A. Fish Production [MT] Per cap avail. [gm/day] 102 Horse/Donkey/Camel 45 N.A. N.A. Egg Production [Lakh Nos] 568 Per cap avail. [nos/p.a.] 0.15 Poultry - Cross bred Milk Production ['000 MT] 72 Per cap avail. [gm/day] 96 poutry -indegenious NA NA NA Meat Production [MT] N.A. Per cap avail. [gm/day] N.A. 7

8 Banking Profile District - Ratnagiri State - Maharashtra Lead Bank - Bank Of India No. of No. of Branches No. of non-formal agencies assoiated Per Branch Outreach Banks/Soc. Total Rural Semi-urban Urban mfis/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Banks N.A. N.A. Regional Rural Bank N.A. N.A. District Central Coop. Bank N.A. N.A. Coop. Agr. & Rural Dev. Bank nil nil nil nil N.A. N.A. Primary Agr. Coop. Society N.A. N.A. Others N.A. N.A. All Agencies N.A. N.A. No. of accounts Amount of Deposit.'000] 31-Mar Mar Mar-14 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks N.A. N.A. N.A. N.A. N.A Regional Rural Bank N.A. N.A. N.A. N.A. N.A Cooperative Banks N.A. N.A. N.A. N.A. N.A All Agencies N.A. N.A. N.A. N.A. N.A Mar Mar Mar-09 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks N.A. N.A. N.A. N.A. N.A Regional Rural Bank N.A. N.A. N.A. N.A. N.A Cooperative Banks N.A. N.A. N.A. N.A. N.A All Agencies N.A. N.A. N.A. N.A. N.A 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 Banks Commercial Banks N.A. N.A. N.A. N.A. Regional Rural Bank Regional Rural Bank N.A. N.A. N.A. N.A. Cooperative Banks Cooperative Banks N.A. N.A. N.A. N.A. Others N.A. N.A. N.A. Others N.A. N.A. N.A. N.A. All Agencies All Agencies N.A. N.A. N.A. N.A. 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2012) Loans to Weaker Loans under DRI Priority Sector Loans Loans to Agr. Sector Loans to Women Sections Scheme Amount % of Total Amount % of Total Amount % of Total Amount % of Total Amount % of Total [ '000] Loans [ '000] Loans [ '000] Loans [ '000] Loans [ '000] Loans Commercial Banks Regional Rural Bank N.A. N.A Cooperative Banks N.A. N.A All Agencies AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Commercial Banks Regional Rural Bank Cooperative Banks 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 Target [ '000] Target [ '000] Demand [ '000] 1. NETWORK & OUTREACH (As on 31/03/2015) 2. DEPOSITS OUTSTANDING 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [.'000] Average Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach[%] in [ '000] [%] [ 000] [ '000] [%] [ 000] [ '000] [%] last 3 years Average Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach[%] in [ '000] [%] [ '000] [ '000] [%] [ '000] [ '000] [%] last 3 years Average Recovery Recovery Demand Recovery Recovery Demand Recovery Recovery Rec. [%] in [ '000] [%] [ '000] [ '000] [%] [ '000] [ '000] [%] last 3 years Commercial Banks Regional Rural Bank Cooperative Banks All Agencies