EXECUTIVE SUMMARY. The theme for the current PLP is Accelerating the pace of capital formation in agriculture and allied sector

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1 EXECUTIVE SUMMARY The role of credit planning has assumed greater significance at a juncture when the focus is on technological up-gradation and commercialization of agriculture for improving its profitability thereby assuring a decent livelihood to the large section of population dependent on it. NABARD in the year had prepared Base PLP for five years coterminous with the XII Five Year Plan ( ). The Base PLP projected a five year credit potential under priority sector covering Primary, Secondary and Tertiary sectors, with emphasis on the Primary Sector. These projections were based on parameters such as technical feasibility, availability of infrastructure, availability of exploitable resources, cropping pattern, agricultural practices and other developmental indices such as access to markets, etc. Some of these parameters may have undergone changes due to change in Governments priorities and policies, change in RBI guidelines on priority sector finance, strengthening of rural infrastructure, market forces, cost escalation, etc., necessitating a relook at the current potential for the year Considering these aspects the potentials were assessed. The theme for the current PLP is Accelerating the pace of capital formation in agriculture and allied sector district is located in the North Coastal part of Andhra Pradesh. The district shares its boundaries with Visakhapatnam and West Godavari districts of AP and Khammam district of Telangana, Chattisgarh, Odisha states and Bay of Bengal. The district is known as rice bowl of Andhra Pradesh with lush paddy fields and coconut groves. The Headquarters of the district is located at Kakinada. The major crop grown in the district is Paddy. Maize crop is grown both in Kharif and Rabi. Black Gram & Green Gram are the major crops grown under Pulses in both Kharif and Rabi in district. Under Oil Seeds, major crops grown are Sesamum and Ground Nut in both Kharif & Rabi. ranks 1 st in area and in production of coconut in Andhra Pradesh. The district has 45 banks with 713 branches in addition to 293 PACS of Kakinada Cooperative Central Bank Ltd and 3 PACs of Khammam District Central Cooperative Bank Ltd. The CD ratio of the district was 133%, but the factor which is of concern is the low share of term loans in total lending. Crop loan portfolio is growing at a healthy rate but the lending to term loans is on decline. Priority sector advances and Agricultural advances account for 88% and 70% of net bank credit, respectively as on 31 March Crop Production, Maintenance and Marketing During the year , paddy was cultivated in about 3.95 lakh ha. Of the total farmers in the district, the no. of small and marginal farmers are 92% and the balance is other farmers. The scales of finance were last fixed during and the same is in vogue as of now. For the current PLP the total area which requires loan is assessed at 6.62 lakh ha (including a potential of 50,000 ha for third crop) considering the trends the potentials were worked out. The revised KCC norms were considered while arriving at crop loan projections and accordingly, the projection for worked out to `6715 crore. Investment credit for Agriculture Minor Irrigation: The area available for irrigation in the district is 3.82 lakh ha. of which, about 2.87 lakh hectares (75%) are covered by surface water irrigation. At present, about ha. of area is covered by ground water structures which are only 22% of the net irrigated area and 14.5% of the net cropped area of 4.37 lakh ha. Utilisation of ground water 1

2 resources assumes crucial importance for improving the agricultural production in the upland and tribal areas. Out of 64 mandals, 1 is over exploited (Gandepalli), 3 are semi critical (Peddapuram, Rajanagaram & Rangampet) and rest are safe. The projection for was arrived as ` crore. Release of canal water by 15 May is one of the major demand of farmers. Farm Mechanization: The recent trends indicate that the demand for mechanizing transplantation and harvesting operations by use of transplanters, combine harvestors and use of small tractors has been increasing, besides that of tractors and power tillers. After introduction of direct seeding of paddy, demand for Drum seeders is also increasing. The increased labour wages coupled with need to attend farm operations in time increased demand for farm equipment. The potential for the year has been projected as ` crore. Supplying high cost farm machinery at subsidy is one of the major demands of farmers. Plantation and Horticulture: district occupies a prominent place in growing various horticultural crops. The total area under horticultural crops including vegetables in the district is 2,08,358 ha. Among the fruit and plantation crops, important crops grown in the district are coconut, mango and cashew nut. The area under coconut is mostly concentrated in Konaseema and eastern delta. Kadiam mandal in the district is known for both fruit and ornamental nurseries. There is potential to bring additional areas under these crops. The major constraints for Horticulture Development in the district are increased labour costs, unremunerative prices, improper marketing systems especially in Mango and lack of modern processing units and marketing facilities. In order to support this sector, the potential for the year has been projected as `65.48 cr. Animal Husbandry: As per the latest provisional Livestock Census 2012 the district had 3.77 lakh cattle and 6.42 lakh buffalos. Out of this, the female cattle and buffalo population above three years age in the district was 1.55 lakh and 3.73 lakh respectively offering very good potential for dairy development in the district. 29 more graduate veterinary dispensaries are to be established in the district to achieve the National Commission on Agriculture norm. The milk production in the district has been estimated as 8.60 lakh M.T i.e Lakh litres per day. The procurement by organised sector is 3.2 lakh litres per day i.e 13.6% of production which is much below state average of 19% and country average of 30%. Major constraints in milk procurement are presence of large number of milk vendors, inadequate number of Automatic Milk Collection centres and as a result low remunerative prices paid to milk producers. As per 2012 provisional Livestock Census, the total poultry population of the district stood at 138 lakh. Among the hybrid birds, the population of layers is estimated to be 103 lakh and that of broilers is lakh birds. There is a need to establish hygienic dressing plants and Slaughter houses for hygienic meat production. The potential for the year has been projected for Dairy, Poultry and Sheep/Goat as ` cr, ` cr, and `30.90 cr respectively. In case of poultry more than 50% is towards meeting working capital requirements of existing units. Various types of infrastructure are included in agriculture infrastructure. Fisheries: district has got a coastline of 161 km. with 99 fishing villages/ habitations and occupies a very important place in the fisheries map of Andhra Pradesh. The district is endowed with rich marine, inland and brackish water resources. The Kakinada fishing harbor is the hub for marine fishing activity. A mini fishing harbor is being planned at Antarvedi. The fish production during has been estimated as M.T. The district is having very good network of fishermen Cooperative Societies. About 90% of the 2

3 fish produced in the district is sent to Kolkata market. Supply of SPF shrimp seed is the need of the sector. The potential for the year has been projected as ` crore of which 93% is towards meeting the working capital requirements. Various types of fishing vessels and gear are included in agriculture infrastructure. Agriculture Infrastructure Storage & Market Yards: There are 19 Agricultural Market Committees (AMC) in the district, of which, 12 AMCs have acquired sites and provided infrastructural facilities like Auction Platforms, Godowns, Shopping Complex, Rythu Rest House, Covered platforms etc. for the assistance of farmers who have come to sell their produce. Total godown and cold storage space required is lakh M.T and 2.57 lakh M.T respectively. The availability is 8.00 lakh M.T (godowns) and 0.17 lakh M.T (cold storage). Hence there is potential to construct godowns of about 4 lakh M.T and cold storage of 2.40 lakh M.T. The potential for the year has been projected as `61.76 crore. Farmers are demanding direct purchase of paddy by the Government through FCI etc. Land Development, Soil Conservation and Watershed Development: The district is having a geographical area of 12,81,200 ha. of which 51,050 ha. is degraded land. The main soils in the district are Alluvial (Clay loamy) Red Soils, Sandy Loams and Sandy Clay. The potential for the year has been projected as `66.47 Crore. Convergence of NREGS with crop production is need of the hour. Identifying drainage areas and removing unauthorised occupations on the drains and drainage clearance are some of the major demands of farmers. Other Agriculture Infrastructure: The other agriculture infrastructure that can be useful for agriculture ranges from simple to very complicated infrastructure for different activities like Animal Husbandry (milking, milk procurement, poultry processing and sheep and goat infrastructure), fisheries( various types of boats and gear, processing infrastructure) tissue culture, Agri-bio-technology, Seed production, bio-pesticides/fertilisers and vermi composting. The potential for the year has been projected as `74.65 Crore. Ancillary Activities Food and Agro Processing: Post-harvest and marketing infrastructure, including grading, packaging, transportation and storage, needs to be created on a large scale. Value addition and processing industries offer tremendous opportunities for income and growth, and would provide the much needed thrust in the growth of food processing industry. East Godavari occupies prime place in the state with respect to some of the commodities which can be processed. Most of the activities projected will help in preservation, increasing the shelf life and better marketability of the produce. The potential for the year has been projected as ` Crore. Credit for MSME Activities has good potential for development of industrial activities due to abundance of Natural resources i.e. agricultural produce, forest produce, minerals, livestock and fisheries resources. Food and agro-based industries, forest based industries, electricals and engineering industries constitute nearly 75% of the total MSME sector. The ceramic, Graphite Crucibles, Mangalore Tiles, Sago, Aluminum utensils are prominent in Small Enterprise sector. Among the Large and Medium scale Enterprises the notable units are Sugar, Paper, Spinning Mills, Solvent Extraction plants, Auto Components, and Tapioca 3

4 besides two agro input major Fertilizer plants. The district has large deposits of Bauxite, Graphite, Clay and Oil and Natural gas. district is basically agrarian district and hence there is a large scope for agro processing industries. Agro processing in the district can take care of major crops like Paddy, Sugar Cane, Coconut, Tapioca, Cashew, Mango etc., and also fisheries sector. There are 33 sago factories with a total processing capacity of 5000 to 8000 M.T per season procuring Tapioca from the district. There are 21 Cashew Industries in and around Tuni and Rajahmundry. 50 rice mills have established Sortex machines and Steam Dryers where the value of each mill turnover is ranging between 10 Crores and 40 Crores and some units are making a turnover of 100 to 150 Crores. Some Paper Mills are processing Straw and Baggassi. About 400 units are existing in Coir sector where Coir fibre extraction and Curled Coir is taking place. 200 Mango Jelly units are working and almost producing 5000 tonnes of Mango Jelly during the season in and around Kakinada. About 5 Shrimp Processing units are working at Kakinada and Ravulapalem. Two Buffalo meat processing units are working in this district. Many Poultries and Poultry Feed, Fish Feed and Aqua Feed and Shrimp Hatcheries are established in the district. has enormous potential for processing Cashew Fenny, distilleries out of Sago, Seed Processing, Packaging Industry, Dairy, Pickles, Cereals and Pulses, processing. Lack of power and infrastructural bottlenecks impeded growth in Non Farm Sector, but the situation is improving gradually. Working capital as well as term loan requirements for the sector were worked and the potential for the year has been projected as ` cr. Export Credit: plays a major role in export trade due to the availability of Kakinada Port, oil refineries, petrochemicals, aqua culture, etc., One SEZ which was announced long back is being made functional now and there is huge scope for various export oriented units in this SEZ. Keeping these aspects the potential for the year has been projected as ` cr. Education Loans: In east Godavari district there are 159 private Junior and Degree Colleges, 32 Engineering colleges, 3 medical colleges, 2 dental colleges, one homeo college, 8 management colleges, 5 polytechnics and one catering college. These colleges in the district offer vast potential for students to pursue their education. Large number of students goes abroad for higher education. The potential for the year has been projected as ` cr. Other Priority Sector The Other Priority Sector activities viz., trade and services, transport operators, retail trade, small business, housing are considered vital for the development of overall economy as they provide backward and forward linkages to other sectors. Besides this other activities like loans to professionals and self-employed, loans for education and housing purpose and consumption loans are equally important for the development of society. The potential for the year has been estimated as ` cr. Infrastructure Support The district compares well with the state average against almost all important infrastructure indicators. Though all the villages are electrified the per capita consumption of power is very low when compared to the state average. In most of the villages the power supply is erratic. The road density of the district is more than the State average. However, out of 3191 km. of village roads, 2003 km. length is unmetalled. These village roads accounts for nearly 37% of the total roads available in the district. The coverage by the agricultural 4

5 market committees is satisfactory % of Gross cropped area is irrigated, which is much more than state average. Communication is comparable to state average. Literacy rate is more than state average. The position of the district in health services is fairly better when compared to the State. However, no. of hospitals per lakh population is less than state average. Area Based Schemes The district has good potential to take up area based schemes in farm as well as non farm sector activities. The farm sector activities include dairy, sheep, fisheries, sericulture etc. Non-farm sector activities are solar lighting for weavers, processing units for mango jelly, pickles, traditional sweets, cashew collection and processing, coir processing, etc. Keeping the aspects of existing animal health services and procurement network, it is proposed to take up a calf rearing scheme in agency mandals of the state. The existing cultivated areas as well as new areas which are being brought into cultivation requires land development activities in terms of bunding land levelling, provision of outlets. Similarly there is good scope to improve the productivity of lands by applying tank silt to the cultivated lands. In some pockets of the district where the problem of improper drainage exists, the lands needs to reclaimated to make them suitable for better productivity. Keeping these aspects in view a suitable area based scheme will be prepared in consultation with Kakinada DCCB and Chaitanya Godavari Grameena Bank. Role of Informal Credit Delivery System There are more than 85,000 SHGs in the district as on in rural areas. During the current year a target of `1730 crore is fixed as target to cover SHGs. The major impediments in SHG-BLP programme from the beneficiary side include lack of records, raising overdues, availing loans mostly for meeting social needs. Lending for income generating assets and creation of forward and backward linkages for various income generating activities are the need of the hour. DRDA is focusing on financing for income generating activities during As per the number of groups recycled for bank loan and likely number of fresh groups, for bank finance and the potential has been projected for the year as `2091 cr. The state government is providing Loan Eligibility Cards for the lessee farmers and about 1,75,000 such cards are planned for the year by district administration. As discussed above, the district is endowed with natural resources, water transport system, horticulture crops, poultry and fishery activities. Majority of the produce is marketed outside the district and the processing levels of these produce are minimum. Farmers are concentrating on paddy cultivation under traditional practices. Diversification from paddy and converting to modern methods of cultivation are the need of the hour in paddy. Primary processing need to be improved in other produce. The coverage of population by banks are good in the district, there is still untapped potential which can be tapped with the help of BC/BF so as to increase the deposit collection as well as advances in the district. The reporting system from banks needs to be reviewed at SLBC/NABARD level so as to bring out a common format for various reportings at field level. 5

6 Broad Sector wise PLP projections (` lakh) Sr. No. Particulars PLP Projections A Farm Credit (i) Crop Production, Maintenance and Marketing 671, (ii) Term Loan for agriculture and allied activities 282, Sub Total 955, B Agriculture Infrastructure 20, C Ancillary activities 14, I Credit Potential for Agriculture (A+B+C) 989, II Micro, Small and Medium Enterprises 211, III Export Credit 28, IV Education 14, V Housing 43, VI Renewable Energy VII Others 59, VIII Social Infrastructure involving bank credit 5, Total Priority Sector (I to VIII) 1352, Education 1.05% Housing 3.26% Others 4.47% Renewable 0.06% Social Infra 0.40% TL for agri/allied 21.15% Crop Prdn 50.19% Export 2.10% MSME 15.79% Agri Infra 1.52% 6

7 Summary of Sector / Sub-sector wise PLP projections (` lakh) No. Particulars Projections Credit Potential for Agriculture A Farm Credit (i) Crop Production, Maintenance and Marketing (ii) Water Resources (iii) Farm Mechanisation (iv) Plantation and Horticulture (including sericulture) (v) Forestry and Wasteland 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 cart, SHGs-FS, etc Sub Total B (i) (ii) (iii) Agriculture Infrastructure Construction of storage facilities (Warehouses, Market yards, Godowns, Silos, Cold storage units/cold storage chains) Land Development, Soil Conservation, Watershed Development Others (Tissue Culture, Agri bio-technology, Seed 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, ACABC, Loans to PACS/FSS/LAMPS, Loans to MFIs for on lending) 75 Sub Total I Total Agriculture II Micro, Small and Medium Enterprises MSME- Working Capital MSME- Investment Credit Total MSME III Export Credit IV Education V Housing VI Renewable Energy VII Others (Loans to SHGs/JLGs, Loans to distressed persons to prepay non-institutional lenders, PMJDY, Loans to state sponsored organisations for SC/ST) VIII Social Infrastructure involving bank credit 5400 Total Priority Sector (I to VIII)

8 At a Glance Total Geographic Area : sq km Coastline : 100 km Gross Cropped Area : 738,072 Ha River : Godavari, Pampa Percentage area under agri and allied activities : 67.88% Major Crops/ Activities Production (in Million MTs.) Rice 1.10 Sugarcane 1.11 Vegetables 0.55 Coconut Mln No. nuts Milk 0.86 Fish 0.16 Egg Mln Nos. Agricultural Research Stations Grikapadu, Machilipatanam, Vuyyuru & Ghantasala Mango Research Station Nuziveedu

9 District Profile District - State - Andhra Pradesh Division - Costal Andhra 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) No. of Sub Divisions 7 Agro-climatic Zones 4 No. of Blocks 64 Climate Warm Humid No. of Villages (Total) 1745 No. of Panchayats (notified) 1320 Soil Type Alluvial, Red soils, Sandy Loams and Clay Loams 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 24.16% % Permanent Pasture and Grazing Land Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 8644 [Ham] Cultivable Wasteland DISTRIBUTION OF LAND HOLDING Current Fallow Holding Area Classification of Holding 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] 1.69 Total WORKERS PROFILE [Nos] 7. DEMOGRAPHIC PROFILE [in Cultivators Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers NA Population Agricultural Labourers Scheduled Caste NA NA Workers engaged in Household Industries Scheduled Tribe NA NA Workers engaged in Allied Agro-activities NA Literate Other workers BPL NA NA NA NA NA 8. HOUSEHOLDS [in nos] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households Having brick/stone/concrete houses NA Having electricity supply 1395 Rural Households Having source of drinking water NA Having independent toilets NA BPL Households Having access to banking services NA Having radio/tv sets NA 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 1594 Anganwadis 4847 Dispensaries 31 Villages having Agriculture Power Supply 1344 Primary Health Centres 86 Hospitals 4 Villages having Post Offices 709 Primary Health Sub-Centres 15 Hospital Beds 2009 Villages having Banking Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 1277 Fertiliser/Seed/Pesticide Outlets [Nos] 2286 Agriculture Pumpsets[Nos] Villages having Primary Health Centres 328 Total N/P/K Consumption [MT] Pumpsets Energised [Nos] Villages having Potable Water Supply 172 Certified Seeds Supplied [MT] Agro Service Centres [Nos] NA Villages connected with Paved Approach Roads 1344 Pesticides Consumed [MT] 55 Soil Testing Centres [Nos] IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 7281 Plantation nurseries [Nos] 700 Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] NA Farmers' Clubs [Nos] 165 Irrigation Potential Created Threshers/Cutters [Nos] NA Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels Area irrigated by Wells Rural/Urban Mandi/Haat [Nos] Length of Pucca Road [Km] Wholesale Market [Nos] 5904 Godown [Nos] 177 Area irrigated by Tanks Length of Railway Line [Km] 171 Godown Capacity[MT] Area irrigated by Other Sources Public Transport Vehicle [Nos] 835 Cold Storage [Nos] 6 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] Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) 990 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) 2 10 lakh M.T Paddy Fruit (Pulp/Juice/Fruit drink) 750 Mango jel1000 M.T Green gram Spices (Masala Powders/Pastes) Nil Black gram Dry-fruit (Cashew/Almond/Raisins) NA Sugarcane Cotton (Ginnining/Spinning/Weaving) 3 Tapioca Milk (Chilling/Cooling/Processing) 3 Maize Meat (Chicken/Motton/Pork/Dryfish) 3 Coconut (nuts) nuts nuts 14742nuts Animal feed (Cattle/Poultry/Fishmeal) 1 Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 17. ANIMAL POPULATION AS PER CENSUS 2007 [in 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 167 Animal Markets [Nos] 3 Cattle - Cross bred Disease Diagnostic Centres [Nos] 1 Milk Collection Centres [Nos] 736 Cattle - Indigenous Artificial Insemination Centers [Nos] 415 Fishermen Societies [Nos] 563 Buffaloes Animal Breeding Farms [Nos] Nil Fish seed farms [Nos] 98 Sheep - Cross bred Nil Animal Husbandry Tng Centres [Nos] 3 Fish Markets [Nos] NA Sheep - Indigenous Dairy Cooperative Societies [Nos] 17 Poultry hatcheries [Nos] Nil Goat Improved Fodder Farms [Nos] 1 Slaughter houses [Nos] 22 Pig - Cross bred MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous Fish Production [MT] Per cap avail. [gm/day] 85 Horse/Donkey/Camel 1 NA NA Egg Production [Lakh Nos] Per cap avail. [nos/p.a.] 834 Poultry - Cross bred NA NA Milk Production ['000 MT] Per cap avail. [gm/day] 457 Poultry - Indigenous 1824 NA NA Meat Production [MT] Per cap avail. [gm/day] 23 Sources (if not mentioned against the respective item): Item Nos. 1, 6, 7, 8- census 2011; Item No Census 2001; 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 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. For sr nos at 5, 6 10, 11, 12, 14, 15, 16, 17, 18 and 19 the data for four added mandals is yet to be consolidated. 9

10 District - State - Andhra Pradesh Lead Bank - Andhra 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 Nil Others All Agencies DEPOSITS OUTSTANDING Mar 31, 13 Mar 31, 14 Mar 31, 15 Growth(%) Share(%) Mar 31, 13 Mar 31, 14 Mar 31, 15 Growth(%) Share(%) Commercial Banks NA % Regional Rural Bank NA % Cooperative Banks NA % Others All Agencies NA % LOANS & ADVANCES OUTSTANDING Mar 31, 13 Mar 31, 14 Mar 31, 15 Growth(%) Share(%) Mar 31, 13 Mar 31, 14 Mar 31, 15 Growth(%) Share(%) Commercial Banks NA % Regional Rural Bank NA % Cooperative Banks NA % Others All Agencies NA % CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During Cumulative Mar 31, 13 Mar 31, 14 Mar 31, 15 Deposit Credit Deposit Credit Commercial Banks Commercial Banks Regional Rural Bank Regional Rural Bank Cooperative Banks Cooperative Banks Others Others All Agencies All Agencies PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) Commercial Banks % % % % % Regional Rural Bank % % % NA 0.00% % Cooperative Banks % % % NA 0.00% % Others All Agencies % % % % % 7. 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 NA NA % Regional Rural Bank NA % Cooperative Banks % % % 71.91% Others No. of Banks/Soc. Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Amount Target Target Demand [Rs. % of Total Loans Average [Rs Average [Rs. Recovery [Rs. No. of accounts No. of accounts Amount [%] [%] Banking Profile 1. NETWORK & OUTREACH (As on 31/03/2013) No. of Branches No. of non-formal agencies associated Per Branch Outreach % of Total Loans Target Target Demand [Rs. Recovery [%] Amount [Rs. [Rs. Recovery [Rs. % of Total Loans [%] [%] Recovery [%] Amount Target Target Demand [Rs. Amount of Deposit Amount of Loan % of Total Loans [Rs. [Rs. Recovery [Rs. Amount [%] [%] Average Rec. Recovery [%] All Agencies NA NA NA NA NA NA % NA % of Total Loans Ach[%] in last 3 years Ach[%] in last 3 years [%] in last 3 years Sources : Lead Bank & SLBC 13