Executive Summary. PLP Jharsuguda

Transcription

1 Executive Summary The PLP for the year has been prepared for the district as per the revised guidelines for priority sector classification issued by the Reserve Bank of India, the gist of which is presented below. The Base PLP for the period (co-terminus with the XII Five Year Plan) was prepared, for the district in The PLP, which is refined every year, forms the basis of preparation of Annual Credit Plan. Taking into consideration, the introduction of new schemes, programmes and priorities of the central as well as state governments, reassessment of sectoral and regional development needs, revision of scale of finance for crop loan and unit cost for investment activities and the level of development of infrastructure, an upward revision in the projection has been made in comparison to the base PLP of While making sub-sector wise reassessment of the credit potential, a brief narration on availability if infrastructure, critical gaps & interventions required and action points & issues to be addressed has been made wherever required. For development of agriculture and allied activities, provision of necessary infrastructure support is required. The matter has been discussed under respective sectors of agriculture, allied and rural non-farm sector activities in Chapters 3 to 10. Further, keeping in view the scale of production of food grain production as well as vegetable there is a need to develop adequate storage facility to arrest distress sale and wastage of vegetables. Credit requirement of the SHGs as well as JLGs which are also the thrust areas of BARD, need to be met timely and adequately. The details of the action plan, etc., have been enumerated in Chapter-11. In order to give thrust to allied sectors 02 Area Based Schemes have been proposed to be introduced during The intention is to give thrust to identified activities by enhancing term loan disbursement through a banking plan. Implementation of such schemes should be through the coordinated efforts of BARD, Lead Bank, other banks, concerned line departments and other stake holders. The details are narrated in Chapter-12. PLP is intended to provide an insight on the potential for development in different sectors of rural economy, a road map to the banks for extending credit support to important sectors/sub sectors/activities in the district and a scope for the various related government departments / agencies to provide necessary infrastructure as well as linkage support. This document will form the basis for preparation of Annual Credit Plan of the district. A close coordination amongst all the stake holders is required to implement the plan and achieve the target. Besides, we need to strengthen the SAMIS reporting system which will help in proper and effective review in BLBC/DCC meetings. 1

2 Broad Sector-wise PLP Projections Sr. No A Farm Credit Particulars (` Lakh) PLP Projections 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 (A+B+C) II Micro, Small and Medium Enterprises III Export Credit 0.00 IV Education V Housing VI Renewable Energy VII Others VIII Social Infrastructure involving bank credit Total Priority Sector (I to VIII) Projections ( ) Agriculture 1.61% 5.04% 0.00% 0.04% 1.19% 0.13% MSME Export Credit Education 40.39% 51.60% Housing Renewable Energy Others Social Infrastructure involving Bank Credit 2

3 Sr. No I A Summary of Sector / Sub-Sector wise PLP Projections Credit Potential for Agriculture Farm Credit Particulars (` lakh) PLP Projections i Crop Production, Maintenance and Marketing ii Water Resources iii Farm Mechanisation iv Plantation and Horticulture v Forestry and Waste Land Development vi Animal Husbandry Dairy vii Animal Husbandry Poultry viii Animal Husbandry Sheep, Goat, Piggery ix Fisheries x Others B Agriculture Infrastructure Sub Total i Construction of storage facilities ii Land development, Soil conservation, Watershed development iii Others C Ancillary activities Sub Total i Food and Agro processing ii Others II Sub Total Total Agriculture Micro, Small and Medium Enterprises i MSME Working capital ii MSME Investment credit Total MSME III Export Credit 0.00 IV Education V Housing VI Renewable Energy VII Others VIII Social Infrastructure involving bank credit Total Priority Sector

4 District Map 4

5 District Profile District - State - Odisha Division - 1 Jharsuguda 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) No. of Sub Divisions No. of Blocks 5 Climate Extreme No. of Villages (Inhabited) No. of Panchayats Total Area Reported Forest Land Area Not Available for Cultivation Normal Actual 8021 Rainfall [in mm] Variation from Normal 25.97% -8.88% -5.28% Permanent Pasture and Grazing Land Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 6316 [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 Of the above, Small/Marginal Farmers Agricultural Labourers Workers engaged in Household Industries Workers engaged in Allied Agro-activities Other workers Holding Area Classification of Holding Nos. % to Total Ha. % to Total <= 1 Ha % % >1 to <=2 Ha % % >2 Ha % % 1.33 Total % % Category Total Male Female Rural Urban Population Scheduled Caste Scheduled Tribe Literate 74.19% 83.09% 65.10% BPL household 80 Total Households 118 Having brick/stone/concrete houses Having electricity supply Rural Households 69 Having source of drinking water Having independent toilets BPL Households 80 Having access to banking services Having radio/tv sets Villages Electrified 351 Anganwadis 689 Dispensaries Primary Health Centres Hospitals Villages having Post Offices Primary Health Sub-Centres Hospital Beds Villages having Primary Schools Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos] Villages having Primary Health Centres Total N/P/K Consumption [MT] 5950 Pumpsets Energised [Nos] Villages having Potable Water Supply Certified Seeds Supplied [MT] 77 Agro Service Centres [Nos] Villages connected with Paved Approach Roads Pesticides Consumed [MT] Soil Testing Centres [Nos] 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] Plantation nurseries [Nos] Farmers' Clubs [Nos] 28 Irrigation Potential Created Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos] 1 Area irrigated by Canals / Channels 4650 Rural/Urban Mandi/Haat [Nos] Wholesale Market [Nos] Area irrigated by Wells 2900 Length of Pucca Road [Km] 648 Godown [Nos] Area irrigated by Tanks Length of Railway Line [Km] 66 Kms Godown Capacity[MT] 6000 Public Transport Vehicle [Nos] Cold Storage [Nos] Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] Cold Store Capacity[MT] No of units Cap.[MT] Crop Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) Cereal Pulses Oilseed Vegetables Condiments Sugarcane Agro-climatic Zone Soil Type North Western Platue Agro Climatic Zone (Code-075) Red, laterite, mixed red and yellow and mixed red and black. The soil is acidic in nature in most part of the district. 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER 6. WORKERS PROFILE 7. DEMOGRAPHIC PROFILE [in '000] 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages having Agriculture Power Supply Villages having Banking Facilities Total Area Available for Irrigation (NIA + Fallow) Net Irrigated Area(Total area irrigated at least once) Area irrigated by Other Sources Type of Processing Activity Food (Rice/Flour/Dal/Oil/Tea/Coffee) Sugarcane (Gur/Khandsari/Sugar) Fruit (Pulp/Juice/Fruit drink) Spices (Masala Powders/Pastes) Dry-fruit (Cashew/Almond/Raisins) Cotton (Ginnining/Spinning/Weaving) Milk (Chilling/Cooling/Processing) (LPD) Meat (Chicken/Motton/Pork/Dryfish) Animal feed (Cattle/Poultry/Fishmeal) Power Tillers [Nos] 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS 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 Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 9 Animal Markets [Nos] 2 Cattle - Cross bred Disease Diagnostic Centres [Nos] Milk Collection Centres [Nos] Cattle - Indigenous Artificial Insemination Centers [Nos] 38 Fishermen Societies [Nos] Buffaloes Animal Breeding Farms [Nos] 38 Fish seed farms [Nos] Sheep - Cross bred Animal Husbandry Tng Centres [Nos] Fish Markets [Nos] Sheep - Indigenous Dairy Cooperative Societies [Nos] 37 Poultry hatcheries [Nos] Goat Improved Fodder Farms [Nos] Slaughter houses [Nos] Pig - Cross bred MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous Fish Production [MT] 4350 Per cap avail. [gm/day] Horse/Donkey/Camel Egg Production [Lakh Nos] 82 Per cap avail. [nos/p.a.] Poultry - Cross bred Milk Production ['000 MT] 12 Per cap avail. [gm/day] Poultry - Indigenous Meat Production [MT] 846 Per cap avail. [gm/day] 4.00 Sources (if not mentioned against the respective item): Avg. Yield [Kg/Ha] Item Nos. 1, 6, 7, 9 & 10 - 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. 8 - BPL Survey 2002; Item No District Ind Centre/Dir. of Eco. & Stat.; Item No DACNET; Item No AH Census 2003; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat. 5

6 Banking Profile District - Jharsuguda State - Odisha Lead Bank - State 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 Regional Rural Bank District Central Coop. Bank Coop. Agr. & Rural Dev. Bank 0 0 PACS Others All Agencies No. of accounts of Deposit 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks % 91.32% Regional Rural Bank % 3.90% Cooperative Banks % 4.78% Others All Agencies % % No. of accounts of Loan 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks % 51.56% % 85.96% Regional Rural Bank % 14.30% % 4.64% Cooperative Banks % 34.15% % 9.40% Others All Agencies % % 10.39% % 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 51.26% 47.52% Commercial Banks Regional Rural Bank 64.76% 60.04% Regional Rural Bank Cooperative Banks 85.70% 99.39% Cooperative Banks Others Others All Agencies 57.29% 53.57% 50.48% All Agencies Commercial Banks % % Regional Rural Bank % % Cooperative Banks % % Others All Agencies % % Commercial Banks % % 35.82% Regional Rural Bank % % 27.79% Cooperative Banks % % 87.70% Others All Agencies % % 45.16% Broad Sector Crop Loan Term Loan (Agr) Total Agri. Credit % % 45.85% Non-Farm Sector % % 44.24% Other Priority Sector Ach'ment Target Ach'ment Target Ach'ment Total Priority Sector % % 45.16% Priority Sector to Agr. Sector to Weaker Sections under DRI Scheme to Women Target Target 6. PERFORMANCE TO FULFILL TIOL GOALS (As on 31/03/2015) 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Ach'ment Target Ach'ment Target Ach'ment 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS NETWORK & OUTREACH (As on 31/03/2015) 2. DEPOSITS OUTSTANDING 3. LOANS & ADVANCES OUTSTANDING 9. RECOVERY POSITION Demand Recovery Demand Recovery Recovery [%] Recovery [%] Demand Recovery Recovery [%] Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies Average Ach[%] in last 2 years Average Ach[%] in last 2 years Average Rec. [%] in last 3 years Sources : Lead Bank & SLBC 8