EXECUTIVE SUMMARY. 1. Annual Credit Plans [ACPs] and Potential Linked Credit Plans [PLPs]:

Transcription

1 EXECUTIVE SUMMARY 1. Annual Credit Plans [ACPs] and Potential Linked Credit Plans [PLPs]: The year will be the fifth year of the implementation of the XII Five Year Plan. It is the eight year since the Reserve of India [RBI] dispensed with the Service Area Approach [SAA], except for government sponsored programmes and retaining some of the positive features such as, district credit planning, monitoring the flow of credit through DLCC/DCC and BLBCs. Thus, the Annual Credit Plans [ACP] prepared, based on the Potential Linked Credit Plans [PLPs] prepared by NABARD, have become more realistic and strategic plans for banks and district authorities, in order to implement various components envisaged in the ACPs. 2. Profile of Washim district lies between and North Latitude and and East Longitude. It has a geographical area of 5196 Sq.kms and a population of lakh. The average net cropped area of the district is 3.86 lakh ha. and form about 81% of the geographical area. The area of forest 379 ha. Pastures 323 ha. and barren land 347 ha., works out to 7.38%, 6.29% and 6.76%, respectively of total geographical area. This document presents the projections of potentials for ground level investments through bank credit during the year after estimating the potential available for exploitation in respect of rural economic activities for overall development of the district taking into account the human and natural resources endowment factors, infrastructure and support services available and likely to be created. 3 Sectoral Trends in credit flow for last three years and specifically the performance under the District. Estimated potential of the District: The broad sector wise potential for bank credit is given below: (. Crore) Sr. No. Sector PLP for DCP for PLP for DCP for PLP for Crop Loan Term Loan Subtotal (Agriculture Sector (1+2) 4 NFS Priority Sector Others Total (3+4+5)

2 The performance of the district for the last three years under priority sector is given below: Year Agriculture NFS/SSI Other Priority Total Priority Sector Sector Target Ach. Target Ach. Target Ach Source: Lead During the last three years of GLC flow there is increase in achievement in crop loan from 4931 lakh during to lakh due to good achievement by District Central Cooperative which contribute near about 54% of total achievement. The crop loan target of 92.99% was achieved during PLP projections for The Potential Linked Credit Plan for the year envisages a total credit outlay of lakh for the priority sector as against lakh projected during Crop loans projections of lakh (61.69%) constitute a major share in the credit potential of the district. The GoI s policy thrust on ensuring food security and concessional rate of interest on crop loan i.e. 7% p.a. and large number of farmers becoming eligible after ADWDR scheme 28, has positively resulted in enhanced potential for crop loans. The private investments in agriculture & allied sector is utmost important for a sustainable growth rate. The sub sectors which have been provided focused attention and are important from the point of view of food security are Minor Irrigation, Plantation and Horticulture, Farm Mechanization and Dairy development for which the PLP envisages substantial growth in the credit flow from the ing sector. In spite of high potentials for private investments in agriculture sector in the district, the growth in the credit flow has been inhibited due to various factors like infrastructural gaps, low levels of recovery of bank loans, staff constraints like availability of adequate numbers of technically qualified professional in the banks in the district, etc. The PLP has attempted to identify emerging and potential sectors and activities in the district to be supported by the s and government agencies together. One of the major area of concern is the slow pace of development of Micro, Small and Medium Enterprises (MSME) in the district. The MSME has potential to create employment and absorb the labour rendered surplus by the agriculture sector. Although the district is industrially backward, it has abundant potential for developing agro-processing units. The PLP envisages credit flow of only lakh on the basis of past trend of credit flow. Under OPS, the credit flow has been comparatively satisfactory. The PLP also envisages, among others, credit flow of 3 lakh to Self Help Groups and Joint Liability Groups which provide easy access of banking services to the rural poor. The GoI s policy of ensuring inclusive growth has been one of the major focus area for the financial sector. The district has been identified for 1% financial inclusion 2

3 and all the families hitherto out of purview of banking services are to be covered by opening their No-frill accounts. Dissemination of information is a critical factor in implementation of various developmental and social sector schemes. A chapter on Government sponsored programmes and developmental and promotional programmes presents gist of various programmes/ schemes in operation for the benefit to the bankers and developmental agencies. BROAD SECTOR-WISE PLP PROJECTIONS Sr. No. Sector Financial Projection 1 Crop Production Term Investment for Agriculture and Allied activities Total investment under Agriculture and allied activities 4 Non Farm Sector Investment and Working Capital Other Priority Sector Total Priority Sector (3+4+5) Credit Potential for % 2% 17% % 2% 5% %3%% Crop Production 7% 62% Term Loan Agriculture Infrastructure Ancillary activities Micro,Small and Medium Enterprises Export Credit Education 3

4 Summary of Sector-wise PLP Projections Name of the District : Washim State : Maharashtra ( lakh) Sr. Sector/Activity Description PLP Projection No. I 1 Crop Loan Water Resources Farm Mechanism Plantation and Horticulture (including Sericulture) Forestry and Wasteland AH-Dairy Development AH-Poultry Development AH-Sheep/Goat/Piggery Development Fisheries Development Agriculture Others Total Term Loan (2 to 9) Total Agricultural Credit (Term Loan and Crop Loan) II Agriculture Infrastructure 1 Storage facility Land Development Others 85.5 Total Agriculture Infrastructure III Ancillary Activities 13 Food and Agro processing Others (Loans to FCs/ACABC/MFIs Total Agriculture MSME Export Credit Education Housing Renewable Energy Others (Prof. Self-employed SHG/ JLG/ ABGS/ PMJDY/ Consumption Loan 21 Social Infrastructure Grand Total (Total Priority Sector) The major areas of development identified are presented below: i The new schemes of KCC and Personal Accident Insurance Scheme for KCC holders have to be further popularized. Credit for marketing of crops by pledge of agricultural produce may be extended by banks to farmers. ii There is immense scope for increasing irrigated area by increasing irrigation efficiency through micro irrigation structures like drip, sprinkler and pipelines fitted onto existing ground water structures already created. iii Land development by land clearing, leveling, bunding, reclamation, adoption of soil and water conservation measures in an integrated manner, organic farming and rain water harvesting structures are vital for improving productivity of the farm. iv Farm mechanization sector has been extended various policy concessions in view 4

5 of its crucial role in increasing farm productivity. v There is immense potential for development of horticulture crops which has to be encouraged. vi Forestry and wasteland development through private initiative is required to be supported by credit institutions. vii There is a need for increasing milk routes/ strengthening existing routes, activation of cooperative societies for collection of milk and tie up arrangement with marketing. viii In view of sufficient potential for Poultry development, the same may be encouraged. ix Potential exists in rearing of sheep and goat as a subsidiary occupation for the economically disadvantaged class. x Inland fish culture is the occupation of the fisherman families living in certain pockets. The credit potential in the district for fisheries is to be exploited. xi To provide an impetus to scientific post-harvest storage, grading, standardization of agricultural produce, cold storage and rural godowns have to be established in the private sector for which bank credit may be channelised and also availing the credit linked investment subsidy provided by GOI. xii Alternative renewable energy sources may be tapped in rural areas with credit assistance from banks for cultivation of biofuel crops (Jatropha) yielding vegetable oils that can be blended with petrol or HSD after transesterification. xiii There is scope for setting up of cottage & Village industries, tiny industries/ssi Units & other NFS activities including Agro & Food Processing. xiv Other Priority Sector advances for the activities like small road & water transport operators, retail trade and small business, professionals and self-employed, education and consumption / consumer loans has immense potential in the district. xv Following the development of rural infrastructure with implementation of projects under the Infrastructure Development Fund (RIDF) of NABARD, the fiscal incentives provided for private investment in agriculture and manufacturing industry and the developmental initiatives by the state and central governments, the potential for credit requirement of rural areas has increased which may be fulfilled by banking sector functioning in the district. 5 Major Constraints and suggested action points (a) The district, which is among the less developed districts of the state, has inadequate rural infrastructure. Health, sanitation, education, irrigation, postharvest management and marketing facilities and continue to be major gaps in infrastructure. (b) There is a gap in the agricultural marketing sector in the district. Private public partnership in development of the marketing infrastructure is called for. (c) Cold storage and godown facilities for agri-horti produce in the district need to be expanded for efficient post-harvest preservation and realization of better prices by producers for their produce. (d) Common facility centre for lock and safe manufacturing units for technological up gradation and mechanization of the manual manufacturing processes is absent. (e) There is a gap in facilities for processing of medicinal and aromatic plants. (f) Common quality testing infrastructure for manufactured goods to meet the stringent quality standards is inadequate. 5

6 Action Points Government Departments 1) Strategies for further exploitation of groundwater under critical and semi critical areas based on micro watershed studies need to be worked out. Water conservation measures like construction of percolation tanks; check dams to be given greater emphasis. 2) Intensified propagation for use of water saving devices like drip/sprinkler systems is essential for better water management. 3) Efforts may be made to popularise Organic Manure through Vermi-Compost, NADEP, Urban Compost (Municipal area garbage) with a view to maintaining ecological balance. Watershed approach for development of land with participation of the local people may be taken up on a scientific basis to produce horticultural crops. Institutional credit support needs to be linked for the successful implementation and sustained development of more watersheds. 4) Encourage fodder cultivation in Government Wastelands by involving Milk Producers Cooperatives, Voluntary Agencies and SHGs. 5) Diversification into production of value added milk products may be encouraged. 6) Effective utilization of agricultural by products using simple techniques like urea enrichment may be popularized by the Department of Animal Husbandry. 7) Mobile Artificial Insemination (AI) centers to provide AI facilities at the doorstep of farmers to be set up and the concept of private veterinary clinics may be revived to fill the gap in veterinary facilities. 8) Adequate publicity to be provided for expansion of ornamental fish culture in the district. 9) Extension services to be strengthened to propagate development of Horticulture crops, floricultural and medicinal plants particularly in the rainfed areas. 1) Setting up of agro/horti processing units and cold storage units to reduce post harvest losses may be encouraged. 11) The District Industries Centre (DIC) may bring out location specific project profiles so as to enable prospective entrepreneurs to take-up industrial ventures. 12) Establishment of Artisan Complexes may be considered for skill up gradation and better productivity. 13) Development departments may work in close liaison with banks not only with regard to disbursement of loans but also in the recovery of loans to facilitate better recycling of credit and thus promote sustainable development. 14) Entrepreneurship motivational programmes and entrepreneurship development 6

7 programmes followed up by escort and support services need to be arranged to enable women to take up income-generating economic activities and become equal partners in the developmental process. 15) Promotion of agro-forestry by encouraging planting of fruit/fodder/fuel trees along the bunds. s 1) s, in consultation with the Department of Horticulture, may formulate areabased schemes under floriculture and horticultural crops. 2) Encourage setting up of mini-dairy units through individuals, SHGs etc., with fodder cultivation as an integral part of the scheme. 3) Encourage private entrepreneurs in calf rearing and setting up of veterinary clinics. 4) Balanced growth of mechanization and use of animal power in farming operations is essential and credit under this sector is to be judiciously deployed. 5) s in the district should come forward and link as many SHGs as possible to ensure adequate credit flow to the unreached poor which has proved to be a major business partner. 6. Area Based Schemes NHWDP watershed programme was implemented in two phases i.e. phase I and II. The total 12 waterhshed projects were selected for implementation in Washim district. All the 12 projects have been completed. In the district, the area under cotton crop 2757 ha where potential for financing drip irrigation system and there is potential for financing dairy and poultry sector due to opportunity of marketing available from Govt. Sector, Private milk companies like Mathura Dairy, Ranade Dairy and two private poultry companies are involved in contract farming. There is scope available for animal financing, sheds, and broiler and layer units in the district. Akola DCCB is working for Akola and Washim district has shown interest in implementation of UPNRM projects for investment activities like Drip/Sprinkler irrigation in cotton crop, dairy, poultry and goatery activities without any NGO support. We have prepared area based schemes for above activities which can be financed through UPNRM or direct finance from banks. 7. Critical infrastructure District authorities has informed that there is following three important infrastructural projects can create definitive impact in the district. Rain Water harvesting structure (Cement plug, Cement nala bund, check dam) are required in a few villages of Washim district. By using cement plug, water flown thorough small river outlet can be harvested which can be used by villagers for drinking, irrigation at crucial stages and increase water table of the wells/borewell. Road connectivity at village level The proper road connectivity at village level is not there in the district. Some of the road are constructed at the stage of 7

8 WBM or BBM level, which require to be completed so that the connectivity upto village level can be achieved. Barricades across painganga river The total length of river flowing across the Washim district is 25 km where the 5-6 barricades can be constructed which will impact in creation of additional irrigation potential. Utilisation of irrigation potential in Storage Tank - There is problem of low utilisation of irrigation potential in Storage Tank constructed by Irrigation Department under RIDF fund. It was observed that in most of the Storage Tank, the irrigation potential utilisation is very low and the water lifting permission given by the department is ranging from 25 to 35%. There is need to unite those farmers in the command area and form Farmers Groups / Farmers InterestGroups (FIGs).The farmer s field located far away from Storage Tank are not able to irrigate their farm because of higher cost of lifting the water from the tank to their field. There is need for financing Lift Irrigation Schemes for group of farmers to explore the irrigation potential created due to construction of Storage Tanks under RIDF funded projects. 8. Conclusion There is need for a coordinated approach for enhancing capital formation, strengthening of SAMIS reporting system, better monitoring and review at BLBC, DCC meetings, effective implementation of Financial Inclusion plans including coverage of oral lessees, tenant farmers in to Joint Liability Groups (JLGs) in the district ****** 8

9 District Profile District - Washim State - Maharas htra Division - Amravati 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical 5196 Agroclimatic Area (Sq.km) Western Pleateau Hills Region Plateau Zone North No. of Sub Zone 2 Divisions No. of Blocks 6 Climate Hot and dry with large variation in summer and winter No. of Villages 789 (Inhabited) Soil Type Deep black, Medium Black, shallow red and deep red No. of Panchayats LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported Forest Land 379 Area Not Available for Cultivation Permanent Pasture and Grazing Land Land under Miscellaneous Tree Crops Cultivable Wasteland 347 Rainfall [in mm] 323 Availability of Ground 1 Water [Ham] 9 Normal mm Actual m m Variation from Normal mm 148 mm 158 mm 111 mm 92 mm 17 mm Net annual recharge Net annual draft Balance 4792 ha cm ha cm 8 5. DISTRIBUTION OF LAND HOLDING ha cm Current Fallow 1 Holding Area Classification of Other Fallow 8 Holding % to % to Nos. Ha. Total Total Net Sown Area 387 <= 1 Ha Total or Gross 423 >1 to <=2 Ha Cropped Area 22 Area Cultivated More than Once 35 >2 Ha Cropping Inensity [GCA/NSA] 19.3% Total WORKERS PROFILE [in '] 7. DEMOGRAPHIC PROFILE [in '] Cultivators Category Total Male Female Urban Of the above, Small/Marginal Farmers 1118 Population Agricultural Scheduled Labourers Caste Workers engaged Scheduled in Household Tribe Industries Workers engaged in Allied Agroactivities Literate Other workers BPL HOUSEHOLDS [in '] 9. HOUSEHOLD AMENITIES [Nos. in ' Households] Total Households Having 534 Having electricity 95

10 brick/stone/concrete supply houses Households Having source of Having independent 1 drinking water toilets 5 BPL Households 1134 Having access to banking services 2 Having radio/tv sets VILLAGE-LEVEL INFRASTRUCTURE 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION Villages Electrified 72 Anganwadis 1174 Dispensaries 11 Villages having Primary Health Agriculture Power 72 Centres Supply 25 Hospitals 8 Villages having Primary Health Sub- 162 Post Offices Centres 153 Hospital Beds 98 Villages having INFRASTRUCTURE & SUPPORT SERVICES FOR ing Facilities Villages having Primary Schools Villages having Primary Health Centres Villages having Potable Water Supply Villages connected with Paved Approach Roads IRRIGATION COVERAGE [Ha] Total Area Available for Irrigation (NIA + Fallow) Irrigation Potential Created Net Irrigated Area(Total area irrigated at least once) Area irrigated by Canals / Channels Area irrigated by Wells Area irrigated by Tanks Area irrigated by Other Sources Irrigation Potential Utilized (Gross Irrigated Area) Fertiliser/Seed/Pestic ide Outlets Total N/P/K Consumption [MT] Certified Seeds Supplied [MT] Pesticides Consumed [MT] Agriculture Tractors 1 AGRICULTURE Agriculture Pumpsets Pumpsets Energised Agro Service Centres Soil Testing Centres Plantation nurseries 26 Power Tillers 5 Farmers' Clubs Threshers/Cutters 2 Krishi Vigyan Kendras 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING /Urban Mandi/Haat Length of Pucca Road [Km] Length of Railway Line [Km] Public Transport Vehicle Goods Transport Vehicle 45 Wholesale Market Godown Godown Capacity[MT] Cold Storage Cold Store Capacity[MT] 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity Food (Rice/Flour/Dal/ Oil/Tea/Coffee) No of units Cap.[M T] Crop Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) Avg. Yield [Kg/Ha]

11 Sugarcane (Gur/Khandsari/ Sugar) Fruit (Pulp/Juice/Fruit drink) Spices (Masala Powders/Pastes) Dry-fruit (Cashew/Almond /Raisins) Cotton (Ginnining/Spinn ing/weaving) Milk (Chilling/Cooling /Processing) Meat (Chicken/Motton - - /Pork/Dryfish) Animal feed (Cattle/Poultry/Fi - - shmeal) 17. ANIMAL POPULATION AS PER CENSUS 212 [in '] Category of animal Cattle - Cross bred Cattle - Indigenous - - Soyabean Cotton Jowar Tur Moong Udid Total Male Female Buffaloes Sheep - Cross bred Sheep - Indigenous Goat Pig - Cross bred Pig - Indigenous Fish Horse/Donkey/C amel Poultry - Cross bred Poultry - Indigenous Sources (if not mentioned against the respective item): Egg Milk Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Veterinary Animal Markets Hospitals/Dispensaries 58 Disease Diagnostic Centres Artificial Insemination Centers Animal Breeding Farms Animal Husbandry Tng Centres Nil Milk Collection Centres Fishermen Societies Fish seed farms Fish Markets Dairy Cooperative Poultry 28 Societies hatcheries Improved Fodder Farms Slaughter houses 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Production [MT] Production [Lakh Nos] Production [' MT] Per cap avail. [gm/day] Per cap avail. [nos/p.a.] Per cap avail. [gm/day] Production Per cap avail Meat NA NA [MT] [gm/day] Item Nos. 1, 6, 7, 9 & 1 - Census 21; 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 22; Item No District Ind Centre/Dir. of Eco. & Stat.; Item No DACNET; Item No AH Census 212; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat and Statistical Department published data for

12 ing Profile District - Washim State - Maharashtra Lead - State of India Commerc ial s Regional District Central Coop. Coop. Agr. & Dev. Primary Agr. Coop. Society No. of s/soc. Total 1. NETWORK & OUTREACH (As on 31/3/29) No. of Branches No. of non-formal agencies assoiated Per Branch Outreach Urban Others All Agencies Commerc ial s Regional Cooperati ve s No. of accounts mfis/mfos 2. DEPOSITS OUTSTANDING 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar-13 SHGs/JL Gs Semiurban 31-Mar- 14 BCs/BFs Villages Households Amount of Deposit [Rs.'] 31-Mar-15 Growth(%) Share(%) Others All Agencies Commerc ial s Regional Cooperati ve s No. of accounts 3. LOANS & ADVANCES OUTSTANDING 31-Mar Mar Mar-14 Growth(%) Share(%) 31-Mar Mar- 14 Amount of Loan [Rs.'] 31-Mar-15 Growth(%) Share(%) Others All Agencies

13 Commerc ial s Regional Cooperati ve s Others All Agencies Commerc ial s Regional Cooperati ve s 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) 31-Mar- 13 CD Ratio 31-Mar Mar- 15 During Cumulative Deposit Credit Deposit Credit Commercial s Regional Cooperative s Others All Agencies 86,276 18,983 4,,56, 2,3,58,77, 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/3/215) Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Amount [Rs.'] % of Total Loans Amount [Rs.'] % of Total Loans Amount [Rs.'] % of Total Loans Amount [Rs.'] % of Total Loans Amount [Rs.'] ,5, ,7, % of Total Loans ,4,3 2 Others All Agencies Target [Rs.'] ,61, AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS [Rs. '] [%] Target [Rs.'] [Rs. '] [%] Target [Rs.'] [Rs. '] [%] Average Ach[%] in last 3 years Commerc ial s Regional Cooperati ve s Others All Agencies Broad Sector ,3,2 31,86, ,6,7 42,25, ,24,7 6,97, ,94,1 6,86, ,31, 35,96,7 18 4,23,7 36,37, Target [Rs.'] 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS [Rs. '] [%] Target [Rs.'] [Rs. '] [%] Target [Rs.'] [Rs. '] [%] Average Ach[%] in last 3 years Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector

14 9. RECOVERY POSITION Demand [Rs. '] Recovery [Rs. '] Recovery [%] Demand [Rs. '] Recovery [Rs. '] Recovery [%] Demand [Rs. '] Recovery [Rs. '] Recovery [%] Average Rec. [%] in last 3 years Commerc ial s Regional Cooperati ve s Others All Agencies NA NA Sources : Lead & SLBC 14