PLP SINGRAULI EXECUTIVE SUMMARY I. General: Theme of the PLP is Accelerating the pace of Capital Formation in agriculture and allied

Transcription

1 EXECUTIVE SUMMARY I. General: Theme of the PLP is Accelerating the pace of Capital Formation in agriculture and allied sector. a) Singrauli district is situated in the Kymore plateau and Satpura Hills, Region-2 in Eastern part of Madhya Pradesh. It has three blocks with a total geographical area of 5672 sq. km. constituting 1.84% of the total area of the State. The average rainfall of the district is mm per annum which precipitates in about days. The district population (2011 Census) is lakh with 9.51 lakh in rural areas. The Gross Domestic Product (GDP) of the district during was 3.93% of the State GDP. The total irrigated area as a percentage to net sown area is 23.76%. As on , there were 7 medium & large industries with an investment of crore, 6 mega industries with an investment of crore and 300 micro & small enterprises with an investment of 6.14 crore, all providing employment to about 1,15,826 persons. b) Ground Level Credit Flow (GLC): Total GLC of the district under priority sector which was crore during , increased to crore during and to crore during The agricultural loans issued during the last three years were, , crore and crore respectively. The disbursements under NFS (incl. OPS) during the above period were crore, crore and crore respectively. The share of agriculture in GLC which stood at 68.81% in has decreased to 49.56% during & further to 47.12% in The GLC flow was % of the targets set under District Credit Plan during the year Sector wise achievement for the same period was 91.12%, % & % under Agriculture, MSME & Other Priority Sector. c) Highlights of banking benchmarks: The district has 52 branches of 15 Commercial Banks, 20 branches of Gramin Bank, 12 branches of DCCB, and 39 PACS. The performance of banks in achieving the parameters stipulated by RBI was unsatisfactory under Priority Sector Advances such as CD ratio of 13.45%, PSA advances of 11.45%, Agricultural Advances of 4.23%, as against the stipulation of 60%, 40% and 18% respectively. Achievement under ACP at crore formed 87.21% of the target at crore, the poor performance of the banks under agricultural term loans was the main reason for the non-achievement under ACP. The ACP for has been set at crore. d) Sectoral assessment of potential: (i) The potential, under Priority Sector, in each sector / sub sector for that could be tapped with institutional credit has been assessed and presented in Annexure I. The potential has been assessed at crore as against crore for the year showing 26.51% growth over previous year. The potential under various sectors include Agriculture crore, MSME crore, Education 7.40 crore, Housing crore, Social Infrastructure crore, Renewal Energy 0.74 crore and Others crore. The shares of Agriculture, MSME, Education, Housing, Social Infrastructure, Renewal Energy and Others are 59.80%, 21.82%, 1.52%, 7.48%, 3.25%, 0.15 % and 5.98% respectively. The potential has been assessed keeping in view the GoI/GoMP s priorities, existing/likely improvements in infrastructure, past GLC, revision in SoF/Unit Cost and various subsidy schemes of GoI/GoMP. e) Some of the major constraints envisaged in achieving the potential assessed are inadequate infrastructure, non availability of agriculture inputs in time and inadequate infrastructure for agricultural marketing viz. connectivity, bridges, irrigation and extenstion services. Implementation of Vision 2018 document of GoMP would go a long way in realizing the potentials assessed. 1

2 II. Thrust areas and Developmental Initiatives of BARD a) In order to realise the theme envisaged in the document, viz., Accelerating the pace of Capital Formation in Agriculture and Allied sector, two Area Based Schemes have been identified. The sectors identified are Dairy and Micro warehousing. Tentative banking plans have been prepared for these activities. An estimated amount of lakh is expected to be financed by banks under these models. The models indicated are only pilots and it is expected that more such schemes will be prepared by banks. b) BARD had also identified a few thrust areas for viz., JLG/SHG financing, micro warehousing, improving dairy development, Producer Organizations, etc. To promote the above areas, BARD has also initiated several developmental activities in the form of support to Self Help/JLG Promoting Institutions, conduct of workshops, seminars, training camps, support to farmers clubs, FPOs. To promote the above areas, BARD has also initiated several developmental activities in the form of support to Self Help/JLG Promoting Institutions, Farmers Producers Organisations through its Producer Organisation Development Fund and PRODUCE Fund established though the GOI Union Budget III. Infrastructure a) The district fares fairly well under some of the infrastructure indicators such as Cropping Intensity, Surface Water Irrigation and availability of elementary schools where the ranking of the district is better than the State average. However certain other indicators such as Road Density, Net irrigated area, telephone connectivity, Rural & Female literacy rate, etc are lower than the State average. Incidence of poverty is higher than State average. Infrastructure facilities act as catalysts for development. Under RIDF, 22 projects with a cumulative loan component of crore was sanctioned by BARD for the district covering mainly Irrigation, Health, Rural Roads and Bridges projects. b) In order to improve the credit off-take in the district, the State Govt may consider improving the various critical infrastructure identified in the district viz., setting up of soil-testing laboratories in each block, strengthening the existing extension network, technology transfer, improving irrigation, popularisation of improved agricultural implements and machinery through demonstrations in farmers' fields, popularizing high density cropping systems, improving animal health care, activating/increasing the milk routes, establishment of poultry/fish hatcheries, establishment of fish markets, improving road network, improving agriculture marketing infrastructure, uninterrupted power supply to the industries, etc. c) There are certain critical infrastructure requirements which can be supported through private investment in the district viz., setting up of warehouses, micro warehouses, cold storages/cold chains, etc. Banks have to play an active role in financing such investments. IV Conclusion: In order to achieve the overall credit potential assessed and in particular to enhance the capital formation in Agriculture in the district, there is a need to have a coordinated approach by all the stakeholders, viz., banks, Govt. Departments and NGOs. The reporting system by banks through LBRs, regular monitoring of achievements vis-à-vis the targets in DLCC/BLBC meetings assume greater importance. The implementation of SHG, JLG, RuPay enabled KCC and Financial Inclusion drive will ultimately result in achieving the various objectives of inclusive growth in the rural areas of the district. 2

3 Appendix A to Annexure 1 Broad Sector wise PLP projections ( Lakh) Sr No Particulars PLP projections A Farm Credit i Crop production, maintenance and marketing ii Term loan for agriculture and allied activities Sub total B Agriculture Infrastructure C Ancillary Activities I Credit potential for agriculture II Micro small and medium enterprise III Education IV Housing V Renewal Energy VI Others VII Social Infrastructure involving bank credit Total priority sector ( I to VIII)

4 Appendix B to Annexure 1 Summary of Sector/Sub Sector wise PLP projections ( Lakh) Sr No Particulars PLP projections I Credit potential for agriculture A Farm credit i Crop production, maintenance and marketing ii Water resources iii Farm mechanization iv Plantation and horticulture v Forestry and Wasteland Development vi Animal Husbandry-Dairy vii Animal Husbandry-Poultry viii Animal Husbandry-Sheep, goat, piggery ix Fisheries x Others-Bullock, Bullock cart Sub Total B Agriculture Infrastructure i Construction of storage facilities (warehouse, cold storage) ii Land Development, soil conservation, watershed development iii Others( Tissue culture, Seed production, bio pesticide/fertilizer, vermin compost) Sub total C Ancilliary activites i Food and agro processing ii Others ( to agriclinincs/agri business center) Sub total Total agriculture II Micro, small and medium enterprise III Education IV Housing V Renewal Energy VI Others ( to SHG/JLG, PMJDY) VII Social Infrastructure involving bank credit Total Priority Sector

5 BROAD SECTOR-WISE PLP PROJECTIONS DISTRICT MAP OF 5

6 District Profile District - Singrauli State Madhya Pradesh Division -Rewa 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq. km.) 5672 No. of Sub Divisions 3 Agro-climatic Zone Kymore Plateau and Satpura Hills No. of Blocks 3 Climate Sub-humid No. of Villages (Inhabited) 727 No. of Panchayats 316 Soil Type Partly Mixed Red and Black Soil (Inseptisol) 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 -10 mm mm -17 mm Permanent Pasture and Grazing Land Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops Water [Ha-m] Cultivable Wasteland DISTRIBUTION OF LAND HOLDING as per Agriculture Census Current Fallow Holding Area Classification of Holding Other Fallow Nos. % to Total Ha. % to Total Net Sown Area <= 1 Ha Average Gross Cropped Area >1 to <=2 Ha Area Cultivated More than Once >2 Ha Cropping Inensity [GCA/NSA] 158 Total WORKERS PROFILE [in '000] as per Census DEMOGRAPHIC PROFILE [in '000] as per Census 2011 Cultivators 148 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 25 Population Agricultural Labourers 228 Scheduled Caste Workers engaged in Household Industries 9 Scheduled Tribe Workers engaged in Allied Agro-activities Literate Other workers 114 BPL 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] as per Census Total Households 244 Having brick/stone/concrete 187 Having electricity supply 73 Rural Households 194 Having source of drinking water 49 Having independent 27 BPL Households Having access to banking services 114 Having radio/tv sets VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 718 Anganwadis 535 Dispensaries 14 Villages having Agriculture Power Supply Primary Health Centres 14 Hospitals 7 Villages having Post Offices 10 Primary Health Sub-Centres 157 Hospital Beds 200 Villages having Banking Facilities 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools Fertiliser/Seed/Pesticide Outlets Agriculture 6798 Villages having Primary Health Centres 14 Total N/P/K Consumption [MT] Pumpsets Energised Villages having Potable Water Supply 724 Certified Seeds Supplied [MT] 120 Agro Service Centres Villages connected with Paved Approach Roads Pesticides Consumed [MT] 12 Soil Testing Centres 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 1254 Plantation nurseries 7 Total Area Available for Irrigation (NSA + Fallow) Power Tillers [Nos] 16 Farmers' Clubs [Nos] 47 Irrigation Potential Created Threshers/Cutters [Nos] 104 Krishi Vigyan Net Irrigated Area (Total area irrigated at least INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 6656 Rural/Urban Mandi/Haat [Nos] 35 Wholesale Market [Nos] 1 Area irrigated by Wells Length of Pucca Road [Km] 989 Godown [Nos] 22 Area irrigated by Tanks 548 Length of Railway Line [Km] Godown Capacity[MT] Area irrigated by Other Sources Public Transport Vehicle [Nos] Cold Storage [Nos] 1 Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] 2345 Cold Store Capacity[MT] AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] Food (Rice/Flour/Dal/Oil/Tea/Coffee) Prod. Avg. Yield Crop Area ('000 Area ('000 Prod. ('000 ('000 [kg/ha] ha) ha) MT) MT) Sugarcane (Gur/Khandsari/Sugar) Paddy Fruit (Pulp/Juice/Fruit drink) Jowar Spices (Masala Powders/Pastes) Maize Dry-fruit (Cashew/Almond/Raisins) Coarse grain - Kodon/Kutki etc Cotton (Ginnining/Spinning/Weaving) Wheat Milk (Chilling/Cooling/Processing) 1 5 Jau/Others Meat (Chicken/Motton/Pork/Dryfish) NIL NIL Pulses Animal feed (Cattle/Poultry/Fishmeal) NIL NIL Oilseeds Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale 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 35 Animal Markets [Nos] 2 Cattle - Cross bred Disease Diagnostic Centres [Nos] NIL Milk Collection Centres NIL Cattle - Indigenous Artificial Insemination Centers 1 Fishermen Societies 16 Buffaloes Animal Breeding Farms [Nos] NIL Fish seed farms [Nos] 5 Sheep - Cross bred Animal Husbandry Tng Centres NIL Fish Markets [Nos] 5 Sheep - Indigenous Dairy Cooperative Societies [Nos] 43 Poultry hatcheries [Nos] NIL Goat Improved Fodder Farms [Nos] NIL Slaughter houses [Nos] NIL Pig - Cross bred MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous Fish Production [MT] 959 Per cap avail. [gm/day] 2.23 Horse/Donkey/Camel Egg Production [Lakh Nos] 115 Per cap avail. [nos/p.a.] 9.76 Poultry 204 Milk Production ['000 MT] 87 Per cap avail. [gm/day] Meat Production ['000 MT] 1 Per cap avail. [gm/day] 2.36 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 2002; Item No District Ind Centre/Dir. of Eco. & Stat.; Item No DACNET; Item No AH Census 2012; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat 6

7 Banking Profile District - Singrauli State - Madhya Pradesh Lead Bank - Union Bank of India 1. NETWORK & OUTREACH (As on 31/03/2015) No. of Branches No. of non-formal agencies associated Per Branch Outreach No. of Banks/Soc. 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 Private Commercial Banks All Agencies DEPOSITS OUTSTANDING No. of accounts of Deposit 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies LOANS & ADVANCES OUTSTANDING No. of accounts of Loan 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies CD-RATIO 5. PERFORMANCE UNDER FINCIAL INCLUSION (No. of A/cs) CD Ratio During Cumulative 31-Mar Mar Mar-15 Deposit Credit Deposit Credit Commercial Banks 14.82% 8.72% 10.23% Commercial Banks Regional Rural Bank 15.10% 12.99% 14.65% Regional Rural Bank Cooperative Banks % 73.81% % Cooperative Banks Others Others All Agencies 18.79% 11.32% 13.45% All Agencies 6. PERFORMANCE TO FULFILL TIOL GOALS (As on 31/03/2015) Priority Sector to Agr. Sector to Weaker Sections under DRI Scheme to Women Commercial Banks % % % % Regional Rural Bank % % Cooperative Banks % % % % Others All Agencies % % % % 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Target Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment [Rs. '000] [%] [Rs. '000] [%] [Rs. '000] Ach'ment [%] Average Ach[%] in last 3 years Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Broad Sector Target Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment [Rs. '000] [%] [Rs. '000] [%] [Rs. '000] Ach'ment [%] Average Ach[%] in last 3 years Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector RECOVERY POSITION As on As on As on Demand [Rs. Recovery Recovery Demand [Rs. Recovery [Rs. Demand [Rs. Recovery Recovery Recovery [%] '000] [Rs. '000] [%] '000] '000] '000] [Rs. '000] [%] Average Rec. [%] in last 3 years Commercial Banks Regional Rural Bank % Cooperative % % Others All Agencies Sources : Lead Bank & SLBC 9