EXECUTIVE SUMMARY. Salient Feature of Srikakulam District

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1 Salient Feature of Srikakulam District EXECUTIVE SUMMARY Srikakulam is one of the thirteen districts in the State of Andhra Pradesh. The district was carved out from Visakhapatnam District in The district is located in the North eastern part of the State spread over an area of 5837 square kms covering 38 Mandals with 1863 revenue villages, 1763 villages electrified and 1260 villages connected by all-weather roads and all villages having potable water supply. The net irrigated area is 58.47% of net sown area. Total population of the district is lakh of which 61.74% are literate. There are 5.26 lakh farmers in the district out of which 4.98 lakh are small and marginal farmers (1-2 ha) and 0.28 lakh are other farmers (more than 2 ha). Out of the total land holdings of 3.49 lakh ha, the SF/MF holdings constitutes 2.55 lakh ha and other farmer constitute 0.95 lakh ha. It has a seacoast of 193 kms. Paddy is the main crop and 75% of the crop loan goes to this crop. Cash crops like groundnut, mesta, cashew, chillies, oilseeds, pulses and sugarcane are also grown in the district. Coconut, mango and guava are the major horticulture crops. Dairy development, sheep rearing and fisheries are other important activities in the district. The sources of irrigation are canals, tanks, tubewells, and other wells and lift irrigation. The predominant industrial activities in the district are pharmaceutical industries, sugar, pig iron and piston rings, dyestuffs, cables and conductors and liquid glucose extraction. The rainfall during was mm as against normal rainfall of 1162 mm. Banking Profile: The total credit potential for , under priority sector for Srikakulam district was estimated at `333, lakh registering a growth rate of 53%. The target under GLC for was `389, lakh as against PLP projections of `451, lakh. The district has a banking network of 188 branches of 25 Commercial and two private banks, 89 branches of Regional Rural Bank (APGVB), 16 branches of District Central Cooperative Bank and 49 PACS. There are 2 farmers services cooperative societies. The number of rural branches stood at 139, semi-urban at 96 and urban branches at 37. The credit disbursements by all the agencies in the district during had declined by 11.2% when compared to the The Commercial Banks had contributed 76.8% of the credit flow to priority sector, the share of RRB and DCCB were being 16.73% and 6.47% of the credit flow, respectively. The total deposits and loans outstanding of all the banks in the district were `551, lakh and `516, lakhs respectively as on 31 March The CD ratio of commercial banks was %, RRB % and DCCB % as on 31 March Estimated potential for priority sector for During the base PLP with particular reference to , coinciding with XII Five Year Plan was prepared. Keeping in view the changes in the scale of finance and unit cost of various agriculture inputs and also the emphasis laid by GOI on agriculture term loans the total priority sector target potentials estimated at `5,14, lakh for the year against the Base PLP target of `437, lakh. The crop loan which includes pledge loan and SF/MF loans was projected at `241, lakh for as against `236, lakh in Base PLP. This shows an increase trend in credit flow due to increase in scales of finance and Vaddileni Runalu scheme of State Government. During the banks had achieved 43% under ACP crop loan. The projections under Water Resources at ` lakh, Farm Mechanization at ` lakh, Plantation and Horticulture ` lakh, Animal Husbandry at `32, lakh, Fisheries `, lakh Agriculture Infrastructure at `18, lakh, MSME `44, lakh, Housing Loan `14, lakh,

2 Education `5, lakh, Social Infrastructure at ` lakh and Renewable sources `1, lakh. The total term lending projected for at `103, lakh as against Base PLP projections of `56, lakh. The projections were prepared taking into account change average of five years of GCA and area of SF/MF, increased unit costs and GOI/State Government subsidy schemes which has necessitated revision in certain sectors. The base PLP vis-à-vis the moderated PLP figures were furnished under respective chapters/sectors/sub-sectors in the PLP Highlights of issues/potentials in the district Crop loans in the district accounts for more than 50% and for diversification of other fruit bearing orchards like cashew, mango, and coconut should be encouraged. Around 80% of the mandals in the district were devastated by Hudhud cyclone and severe floods during October-November. Paddy and horticultural crops, viz., coconut, banana and cashew were destroyed to a large extent. Infrastructure like rural godowns, proper management and utilization of water by construction of small reservoirs for diverting excess river water for irrigation, judicious use of water during drought by propagating drip and sprinkler irrigation systems among the farmers and agri-markets will go a long way in reducing the loss of major crops in the district. Keeping in view, a storage gap of around seven lakh MTs, banks should come forward and encourage financing rural godowns along with introduction of Negotiable Warehouse System in the district which will result in increased ATL lending and reduce the loss of distress sale. Banks should come forward to lend for farm mechanization sector which result in obviating shortage in farm labour. There is lack of infrastructure for undertaking preservation and processing activities of horticulture crops, viz., oil palm, cashew, pineapple, mango, banana, tomato, turmeric and ginger which are grown in large quantity. FPOs/clusters can be promoted for horticulture sector. Propagation of custom hiring among small and marginal farmers by promoting agribusiness custom hiring is required. More number of dairy processing units are to be established. There is a need to encourage entrepreneurs in agro-processing both by banks as well as other developmental agencies. Keeping in view the GOAP Vision 2020 plan, credit to other priority sectors, viz., transport operators, retail trade have to be increased by the banks. There is a need for development of training and marketing infrastructure in the district to enable the SHGs to take up micro enterprise activities and market their produce. LEC cardholders have to be financed by the banks on a large scale. There is a need to form homogeneous groups preferably exclusive groups for small, marginal and tenant farmers through reorganization of existing groups, capacity building and to take necessary measures to strengthen the scheme including sensitization of stakeholders. JLGs are to be promoted by the banks on a large scale. The thrust areas, viz., JLG/SHG financing, Weaver Cards, SCC, post-harvest infrastructure, education, housing, food processing, FPO and Area Development Schemes have to be given top priority to increase the Priority Sector lending. Large number of producer companies can be promoted to tap the societies undertaking activities, viz., hill-broom making, coconut processing, cashew, pineapple, mango, bamboo articles, aloe-vira gel, mushroom cultivation, floriculture and jute bag making will result in increasing the income level of farmers and tribal people.

3 Broad Sector wise PLP projections (` lakh) Sr.No. Particulars Projections A Farm Credit i Crop Production, Maintenance and Marketing ii Term Loan for Agriculture and Allied activities B Agriculture Infrastructure C Ancillary activities I Credit Potential for Agriculture (A+B+C) II Micro, Small and Medium Enterprises III Export Credit 0.00 IV Education V Housing VI Renewal Energy VII VIII Social Infrastructure involving bank credit Total Priority Sector (I to VIII)

4 Summary of Sector / Sub-sector wise PLP projections (` lakh) No. Particulars Projections I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance, Marketing & NWR financing 241, ii Water Resources 10, iii Farm Mechanisation 10, iv Plantation and Horticulture 4, v Forestry and Waste Land Development 1, vi Animal Husbandry Dairy 24, vii Animal Husbandry Poultry 3, viii Animal Husbandry Sheep, Goat and Piggery 4, ix Fisheries 3, x Bullock, Bullock Cart, etc. 17, Sub-Total 322, B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market Yards, Godowns, Silos, Cold storage units/cold storage chains) 5, ii Land development, Soil conservation, Watershed development 8, iii (Tissue culture, Agri bio-technology, Seed production, Biopesticides/fertilisers, Vermin composting) 4, C Ancillary activities i Food and Agro Processing 4, ii (Loans to Cooperative Societies of farmers for disposing of their producer, Agri Clinics/Agri Business Centres, Loans to PACS/FSS/LAMPS, Loans to MFIs for on lending) Total Agriculture 345, II Micro, Small and Medium Enterprises i MSME Working Capital 26, ii MSME Investment Credit 17, III Export Credit -- IV Education 5, V Housing 14, VI Renewable Energy 1, (Loans to SHGs/JLGs, loans to distressed persons to prepay VII non-institutional lenders, PMJDY, loans to state sponsored 101, organisations for SC/ST) VIII Social Infrastructure involving bank credit Total Priority Sector 514,323.36

5 At a Glance Total Geographic Area : sq km Coastline : 169 km Gross Cropped Area : 642,600 Ha River : Musi, Paleru, Manneru % area under agri & allied : 71.82% Major Crops/ Activities Production (in Million MTs.) Rice 0.53 Cotton 0.28 Egg 2209 lakh MT Papaya 0.15 Aqua 0.28 Sugarcane 1.44 Milk 1.01 Agricultural & Horticulture Research Stations Darsi KVK Darsi and Kandukur

6 PLP Prakasam District Profile Appendix - 1 District - Prakasam State - Andhra Pradesh Division - South 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) No. of Sub Divisions No. of Blocks No. of Villages (Inhabited) No. of Panchayats Agro-climatic Zone Climate Soil Type East Coast Plains & Hill district - South Coastal Andhra Region Zone II Semi Arid DeltaicAlluvium, Deep black, Red and Black. 3. LAND UTILISATION [ha] 4. RAINFALL & GROUND WATER Total Area Reported Normal Actual Forest Land Rainfall [in mm] Area Not Available for Cultivation Variation from Normal (-)31 40 (-)310 Permanent Pasture and Grazing Land Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 3700 Water [Ham] Cultivable Wasteland Current Fallow Classification of Holding 5. DISTRIBUTION OF LAND HOLDING 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 Inensity [GCA/NSA] 116 Total WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 3785 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 2271 Population Agricultural Labourers 673 Scheduled Caste Workers engaged in Household Industries 36 Scheduled Tribe Workers engaged in Allied Agro-activities 48 Literate Other workers 441 BPL 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 860 Having brick/stone/concrete houses 927 Having electricity supply 293 Rural Households 692 Having source of drinking water 715 Having independent toilets 282 BPL Households 232 Having access to banking services Having radio/tv sets VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 1002 Anganwadis 4244 Dispensaries 55 Villages having Agriculture Power Supply 1002 Primary Health Centres 85 Hospitals 16 Villages having Post Offices 783 Primary Health Sub-Centres 535 Hospital Beds 1574 Villages having Banking Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 1002 Fertiliser/Seed/Pesticide Outlets [Nos] 2082 Agriculture Pumpsets[Nos] Villages having Primary Health Centres 85 Total N/P/K Consumption [MT] Pumpsets Energised [Nos] Villages having Potable Water Supply 1002 Certified Seeds Supplied [MT] 193 Agro Service Centres [Nos] 15 Villages connected with Paved Approach Roads 1002 Pesticides Consumed [MT] Soil Testing Centres [Nos] IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 4155 Plantation nurseries [Nos] 2 Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] 108 Farmers' Clubs [Nos] 2010 Irrigation Potential Created Threshers/Cutters [Nos] 3980 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] 4 Wholesale Market [Nos] 3 Area irrigated by Wells Length of Pucca Road [Km] 7650 Godown [Nos] 176 Area irrigated by Tanks Length of Railway Line [Km] 227 Godown Capacity[MT] Area irrigated by Other Sources Public Transport Vehicle [Nos] Cold Storage [Nos] 50 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/Tea/Coffee) Area (ha) Prod. (MT) Area (ha) Prod. (MT) [kg/ha] Sugarcane (Gur/Khandsari/Sugar) Rice Fruit (Pulp/Juice/Fruit drink) Bengalgram Spices (Masala Powders/Pastes) Redgram Dry-fruit (Cashew/Almond/Raisins) Blackgram Cotton (Ginnining/Spinning/Weaving) Chillies Milk (Chilling/Cooling/Processing) Cotton Meat (Chicken/Mutton/Pork/Dry fish) Tobacco Animal feed (Cattle/Poultry/Fishmeal) Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 17. ANIMAL POPULATION AS PER CENSUS 2012 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 128 Animal Markets [Nos] 4 Cattle - Cross bred Disease Diagnostic Centres [Nos] 3 Milk Collection Centres [Nos] 2036 Cattle - Indigenous Artificial Insemination Centers [Nos] 220 Fishermen Societies [Nos] 156 Buffaloes Animal Breeding Farms [Nos] 1 Fish seed farms [Nos] 2 Sheep - Cross bred NA NA NA Animal Husbandry Tng Centres [Nos] 1 Fish Markets [Nos] 51 Sheep - Indigenous Dairy Cooperative Societies [Nos] 278 Poultry hatcheries [Nos] Goat Improved Fodder Farms [Nos] Slaughter houses [Nos] 8 Pig - Cross bred NA NA NA 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous Fish Production [MT] Per cap avail. [gm/day] 45 Horse/Donkey/Camel 0 NA NA Egg Production [Lakh Nos] 2209 Per cap avail. [nos/p.a.] 65 Poultry - Cross bred NA NA NA Milk Production ['000 MT] 1061 Per cap avail. [gm/day] 856 Poultry - Indigenous Meat Production [MT] Per cap avail. [gm/day] 49 Sources (if not mentioned against the respective item): Item Nos. 1, 6, 7, 9 & 10 - Census 2011; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item No. 8 - BPL Survey 2011; Item No District Ind Centre/Dir. of Eco. & Stat.; Item No DACNET; Item No AH Census 2007; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat. 7

7 PLP Prakasam District - Prakasam State - Andhra Pradesh Lead Bank - Syndicate Bank 1. NETWORK & OUTREACH (As on 31/03/2015) 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 Scheduled Commercial Banks Regional Rural Bank District Central Coop. Bank Coop. Agr. & Rural Dev. Bank NA NA NA NA NA Nil Nil Nil Nil Primary Agr. Coop. Society NA NA 23 Nil NA 4 Nil Nil Nil Nil All Agencies 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs.'000] 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Scheduled Commercial Banks Regional Rural Bank Cooperative Banks All Agencies LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.'000] 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Scheduled Commercial Banks Regional Rural Bank Cooperative Banks All Agencies CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During Cumulative 31-Mar Mar Mar-15 Deposit Credit Deposit Credit Scheduled Commercial Banks Scheduled Commercial Banks Regional Rural Bank Regional Rural Bank Cooperative Banks Cooperative Banks All Agencies All Agencies 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Amount % of Total Amount % of Total Amount % of Total Amount % of Total Amount % of Total [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans Scheduled Commercial Banks Regional Rural Bank Cooperative Banks All Agencies AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach[%] in Ach'ment [%] Target [Rs.'000] Ach'ment [%] [Rs.'000] [%] [Rs.'000] last 3 years Scheduled Commercial Banks Regional Rural Bank Cooperative Banks All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Broad Sector Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach[%] in Ach'ment [%] Target [Rs.'000] Ach'ment [%] [Rs.'000] [%] [Rs.'000] last 3 years Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector RECOVERY POSITION Average Demand [Rs. '000] [%] Scheduled Commercial Banks Regional Rural Bank Cooperative Banks ( PDCCB Only) All Agencies Sources : Lead Bank & SLBC Banking Profile Appendix - 2 Demand [Rs. '000] [%] Demand [Rs. '000] [%] Rec. [%] in last 3 years 10