PLP Dhubri District EXECUTIVE SUMMARY

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1 EXECUTIVE SUMMARY The theme for the PLP is Accelerating the pace of capital formation in agriculture and allied sector. 1. Introduction to PLP for The criticality of capital formation in and for agriculture need not be overemphasized. However, the recent declining trend in investment credit vis-à-vis crop loan has serious implications for sustaining capital formation. The theme selected for the is Accelerating the pace of capital formation in agriculture and allied sector. The PLP maps the potential in priority sector which could be exploited with institutional credit within a specified time frame. PLP is intended to provide a meaningful direction to the flow of credit to different sectors at the ground level taking into account all relevant factors. The various linkages and other support required to be provided by line departments to facilitate credit flow as planned are also listed in the PLP. BARD 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 an emphasis on the Primary sector. These projections were based on parameters such as technical feasibility, availability of infrastructure, availability of exploitable resources, cropping pattern, agriculture practices and other developmental indices such as access to markets, etc. Some of these parameters may have undergone a change in the district since the finalization of Base PLP on account of factors such as changes in Government s priorities and policies, strengthening of rural infrastructure, market forces, cost escalation, etc., necessitating a re-look at the credit potential for the year Salient features of : The Chief Minister of Assam announced on 15 August 2015 the bifurcation of Dhubri district in two districts viz., Dhubri and South Salmara. Formal Notification is awaited. The geographical area of undivided Dhubri district is 2176 sq.km and is divided into 15 Development Blocks. Dhubri falls in the Lower Brahmaputra Valley zone. Dhubri district was curved out of erstwhile Goalpara district on 1st July, 1983.The mighty Brahmaputra divides the district into two parts i.e. Dhubri and Bilasipara Sub-divisions in the north and South Salmara-Mankachar-Hatsingimari Subdivision in the south bank. Dhubri district is bounded both by inter-state and international border i.e. West Bengal and Bangladesh in the west, Goalpara and Bongaigoan district of Assam and Garo Hills district of Meghalaya in the east, Kokrajhar district in the north, Bangladesh and state of Meghalaya in the south. The population of the district as per census 2011 is Dhubri district is primarily dependent on agriculture and forest products. Main agricultural crop is paddy with surplus in production than its requirement. Jute and Mustard seed occupy the major share of cash crops. From forest mainly timber and bamboo add to the income. The mighty Brahmaputra, Gangadhat, Gadadhar, Tipkai, Gingiram flow in the district. Heavy rainfall,coupled with high intensity of wind causes severe soil erosion, particularly on upper reach and in flood prone areas. About 72% of rainfall is received during May to August. The cropping intensity is 129%. 3. Sectoral trends in credit flow: Overall lending to the priority sector was 34% during Crop loans lending was 74.15% but agricultural term loan was less than 6%. The average lending under MSME sector during the last three years was 107%. 4. Banking Profile: The credit requirement of the district is being met through 66 branches of 16 banks i.e. 49 branches of commercial banks, 15 branches of RRB (AGVB) and 2 branches of SCB. UCO Bank is the Lead bank. The CD ratio is 46% only for the district as a whole. 5. Policy Initiatives: The Government of India, Reserve Bank of India, State Governments and BARD have been taking a number of policy measures for the development of agriculture and rural sector and accelerating credit flow. 6. Ongoing Government Sponsored Programs/schemes: A large no. of Government Sponsored Programs /schemes - both centrally funded and State Govt. funded are currently implemented by various Departments in the district. It is expected that this will serve as ready reckoner for the PLP users. 1

2 7. Brief Sectoral Review/Comments and Projection of Potentials for : The Base PLP projection ( ) for the year was estimated at ` lakh. It is expected that there will be increase in the cost of various agriculture inputs including labour cost, fuel price hikes and certain factors like forecast of normal rainfall. However, the ground level credit flow under some of the sectors has not improved and the growth of credit flow is declining due to farmers not being able to fulfill the terms and conditions of the credit institutions. Accordingly, the revised PLP projections for is estimated at ` lakh, comprising of ` lakh for Farm credit (` lakh for Crop and ` lakh for Agri Term ), `.3636 lakh for MSME Sector, etc. Financial projections for some of the sectors for the year are given as under: a. Crop Loan: Short term credit for crop production plays important role in changing the face of economic scenario of the district. Supply of quality seeds, coverage of non-loanee farmers and financing tenant farmers through JLG/LCEC mode, implementation of revised KCC norms, quality seeds, seed replacement, strong extension system, utilisation of extension officers exclusively for extension job, storage facilities at village / panchayat level and promotion of latest agricultural technologies etc. will enhance the credit flow under crop production. These initiatives would increase the demand for crop loans which is projected at ` lakh during b. Water Resources: Dhubri district has a good number of rivers including the mighty Brahmaputra that divides the district into two parts i.e. Dhubri and Bilasipara Sub-divisions in the north and South Salmara-Mankachar-Hatsingimari Subdivision in the south bank and Gangadhat, Gadadhar, Tipkai, Gingiram rivers. These rivers offer a high potential for flow and lift irrigation. As per Statistical Hand Book, Assam 2014, total Irrigation Potential Created is estimated at ha. Financial requirement for exploitable potential is projected at ` lakh during c. Farm Mechanization : In order to encourage mechanisation in agriculture, more focus needs to be given on usage of farm implements. Repairing services and agro service centers are essential for supporting the mechanization in the district. Credit potential is projected at ` lakh during d. Plantation and Horticulture: Horticulture is one of the thrust areas in the overall development of Dhubri district and it is aimed for sustainable development of Horticulture by increasing area, productivity, by encouraging post harvest management in Horticulture sector. Ample scope exists for expanding the cold storage capacity, quality planting material, processing units, grading packing and marketing facilities. Financial projection under the sector for has been assessed at ` lakh. e. Forestry and Wasteland Development: The forest is an important source of firewood and fodder. Development of forestry could help enhance the environment. Financial requirement is estimated at ` lakh for f. Animal Husbandry: Animal Husbandry is the main agri-allied activities for the rural population of the district. There is a huge gap in demand and supply of milk and meat. Financial projection under the sector including Dairy, Poultry, Goatery, etc. for has been assessed at ` lakh. g. Agriculture Infrastructure (Storage Facilities, Land Development, Soil Conservation, Watershed Development & Other Agriculture Infrastructure) & Ancillary Activities: There is need for establishment of rural godowns, seed processing plants, threshing floors, drying yards, Land Development, Soil Conservation and other post harvest infrastructure. All godowns above 1000 MT capacity need to be registered with warehousing authority after due accreditation. Negotiable warehouse receipt system may be encouraged, as this will reduce distress sale immediately after harvest. Financial projection under the sector for has been assessed at ` lakh. h. Micro, Small & Medium Enterprises (MSME) : Setting up common facility centers, enhancing the skills of existing and prospective entrepreneurs, uninterrupted power supply to MSME units, transparent pricing, improved cleaning, sorting & grading facilities, and adequate finance to agro processing units are the important critical interventions required to tap the potentials available under the sector. All the Banks and Govt. Departments have to adopt integrated approach to intensify credit for MSME in the district. Financial projection under the sector for has 2

3 been assessed at ` lakh. i. There is an imperative necessity to promote export in Indian economy. In Dhubri district there are 2 nos. of International Border Trade Centres exporting materials mainly to Bangladesh. An ambitious estimation of `.1008 lakh has been made for the export sector keeping in view the existing potential and anticipated supports from stakeholders like creation of awareness about the existing export potential and procedures among the farmers and entrepreneurs. j. Education is central to the Human Resources Development and empowerment in any country. Good number of educational institutions and institutions of higher learning in both the public and private sector in the district fuel the need for educational loans. In view of this, a credit potential of `.490 lakh has been estimated for extending education loan in the district. k. As per census 2011, out of 4.15 lakh households of Dhubri district, 0.88 lakh household have pucca dwellings. Remaining 3.27 lakh households either reside in kachha houses or dilapidated shelter. The situation could be improved through easy availability and access to institutional credit at affordable rate. Hence, a credit potential of ` lakh has been estimated for extending education loan in the district. l. A credit potential of ` lakh has been estimated for tapping the renewable energy in the district. The State Government has to take steps in popularising the use of renewable energy as there is a lack of awareness among the public. m. Other credit requirements classified under priority sector lending which includes loans to the SHGs/JLGs, loans to the distressed persons to prepay non-institutional lenders and overdraft to the PMJDY account holders, have been estimated as `.1773 lakh. 8. Major Constraints and Suggested Action Points for State Govt. and Banking Sector Major constraints in the district for credit flow are Lack of awareness among the farmers or entrepreneurs on different schemes of banks and governments. Unnecessary delay created by banks while sanctioning schemes. Misguidance to the farmers by unscrupulous elements. Lack of irrigation facilities. Lack of power supply. Lack of marketing facilities. Lack of quality extension services, soil testing and seed testing facilities. The state government should give more importance on irrigation and power supply. Shortage of farm power has become the main constraints to double or multiple cropping. Lack of quality power hinders the growth of micro, small and medium enterprises. Because of small land holding, availability of adequate quantity ground water and rainfall concentration during monsoon the scope is more for minor irrigation. The existing canal irrigation systems are also not functioning well. Flood and O&M are the major hindrance for canal irrigation system. Hence, more emphasis should be given to the minor irrigation system. Private parties and Co-op societies may come forward for setting up cold storage and rural godowns with loan-cum-subsidy under the centrally sponsored schemes. The farmers may be made aware of different schemes of the government and banks. The extension service may be strengthen. Banks may not harass the farmers. 9. Infrastructure Support : Infrastructure development is a necessary pre-condition for integrated rural development in the district. Rural Infrastructure Development Fund (RIDF) serves as a supplement to the efforts being made by State Governments in this direction. Till March 2015 for Dhubri district, 154 projects have been sanctioned to GoA under RIDF involving financial outlay of ` crore for construction of various projects such as roads, bridges, veterinary hospitals, irrigation structures, etc. The infrastructure of the district is commensurate with the economic development of the district. The critical infrastructures required for the district are in the areas of rural roads, bridges and storages. These will create wide and big impact leading to increased production and productivity and better price realization by the farmers thereby higher credit off take, besides improving the quality of life and bring about social up-liftment, especially in tribal dominated pockets of the district. 3

4 10. Informal Credit Delivery System: The district has good potential on SHG and JLG financing. SHG and JLG may be financed on live-stock farming, farm mechanisation, handloom sectors etc. Producer organisations may be developed in fishery, diary, poultry and organic farming sectors. It will help in commercialisation of agriculture. 11. Area Based Schemes: Considering the potential, new area based scheme on Integrated Farming System has been incorporated in the PLP : which may be introduced in 4 Development Blocks of the district viz. Bilasipara, Mahamaya, South Salmara and Gauripur. 12. Thrust areas for : Infrastructure development such as Irrigation facilities, road networks, etc. are essential for development of a district. Minor Irrigation projects should be to be taken up in a big way for the benefit of farmers. Abundant surface water available in the district may be harnessed for this purpose. However, for sustainable development of water resources, conjunctive use of ground and surface water should be adopted. Market Yards and Rural Godowns have to be constructed at important rural market places for the benefit of farmers. This may be done under public -private partnership basis. Improvement of existing infrastructure should be taken on priority. Only few PACS have scientific warehouses. The infrastructures of the PACS are required to be strengthened. 13. Conclusion: Considering the available potential, infrastructure, banking outlets, government policies, farmers' participation, markets, extension services an amount of ` lakh has been estimated for credit flow in the district for the year To fulfil this target co-ordinated approach of all the stake holders are necessary. Strengthening of SAMIS, monitoring at district and block level, financial literacy, financial inclusion, coverage by SHG and JLG are also required to develop the district as well as the farmers. 4

5 SUMMARY BROAD SECTOR-WISE PLP PROJECTIONS: Appendix A to Annexure I (` lakh) Sr. No. Particulars PLP Projections A Farm Credit i Crop Production, Maintenance, Marketing ii Term Loan for Agriculture and Allied activities Sub Total B Agriculture Infrastructure C Anciliary Activities I Credit Potential for Agriculture (A+B+C) II Micro, Small and Medium Enterprises III Export Credit-Pre & Post shipment IV Education V Housing VI Renewable Energy VII Others VIII Social Infrastructure Total Priority Sector (I to VIII)

6 Sr. No. I A Appendix B to Annexure I SUB-SECTOR-WISE PLP PROJECTIONS: FOR DHUBRI DISTRICT Particulars Credit Potential for Agriculture Farm Credit PLP Projections i Crop Production, Maintenance, Marketing ii Water Resources iii Farm Mechanization iv Plantation & Horticulture v Forestry and Wasteland Development vi Animal Husbandry - Dairy vii Animal Husbandry - Poultry viii Animal Husbandry -Sheep/Goat/Piggery ix Fishery x Others Sub Total B Agriculture Infrastructure i Storage Facilities ii Land Development, Soil Conservation, Watershed Development iii Others Sub Total C Ancillary Activities i Agro & Food Processing Sector ii Others Sub Total D Total Agriculture II Micro, Small and Medium Enterprises MSME Investment Credit MSME - Working Capital Total MSME III Export Credit IV Education V Housing VI Renewable Energy VII Others VIII Social Infrastructure Total Priority Sector (` lakh ) 6

7 MAP OF DHUBRI ( Not to Scale) 7

8 District : Dhubri No. of Blocks No. of Villages No. of Gaon Panchayats Cropping Inensity [GCA/NSA] Of the above, Small/Marginal Farmers Agricultural Labourers Workers engaged in Household Industries Workers engaged in Allied Agro-activities Other w orkers Normal Actual Rainfall [in mm] Variation from Normal Availability of Ground Net annual recharge Net annual draft Balance 2998 Water [Ham] Holding Area Classification of Holding 4873 Nos. % to Total Ha. % to Total <= 1 Ha >1 to <=2 Ha >2 Ha % Total Category Total Male Female Rural Urban 71 Population Scheduled Caste 16 Scheduled Tribe 10 Literate 202 BPL Total Households 415 Having brick/stone/concrete houses 89 Having electricity supply 74 Rural Households 371 Having source of drinking w ater 236 Having independent toilets 178 BPL Households Having access to banking services Having radio/tv sets Villages Electrified 1226 Anganw adis Dispensaries Villages having Agriculture Pow er Supply Primary Health Centres 40 Hospitals 1 Villages having Post Offices 147 Primary Health Sub-Centres 246 Hospital Beds 564 Villages having Banking Facilities 606 Villages having Primary Schools Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos] Villages having Primary Health Centres Total N/P/K Consumption [MT] Pumpsets Energised [Nos] Villages having Potable Water Supply Certified Seeds Supplied [MT] Agro Service Centres [Nos] Villages connected w ith Paved Approach Roads 830 Pesticides Consumed [MT] Soil Testing Centres [Nos] 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 519 Plantation nurseries [Nos] Total Area Available for Irrigation (NIA + Fallow ) Pow er Tillers [Nos] Farmers' Clubs [Nos] 81 Irrigation Potential Created Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 611 Area irrigated by Canals / Channels Rural/Urban Mandi/Haat [Nos] Wholesale Market [Nos] Area irrigated by Wells 2965 Length of Pucca Road [Km] 1339 Godow n [Nos] Area irrigated by Tanks Length of Railw ay Line [Km] 59 Godow n Capacity[MT] Area irrigated by Other Sources Public Transport Vehicle [Nos] Cold Storage [Nos] Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] 3226 Cold Store Capacity[MT] Sugarcane (Gur/Khandsari/Sugar) Fruit (Pulp/Juice/Fruit drink) Spices (Masala Pow ders/pastes) Dry-fruit (Cashew /Almond/Raisins) Cotton (Ginnining/Spinning/Weaving) Milk (Chilling/Cooling/ Processing) Meat (Chicken/Motton/ Pork/Dryfish) Animal feed (Cattle/Poultry/Fishmeal) No of units Cap.[MT] Avg. Yield Crop Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Ahu Paddy Sali Paddy Bodo Pady Wheat Mustard Lentil Potato ANIMAL POPULATION AS PER CENSUS 2003 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Veterinary Hospitals/Dispensaries Category of animal Total Male Female [Nos] 17 Animal Markets [Nos] Cattle - Cross breed Disease Diagnostic Centres [Nos] 1 Milk Collection Centres [Nos] Cattle - Indigenous Artificial Insemination Centers [Nos] Fishermen Societies [Nos] Buffaloes Animal Breeding Farms [Nos] 1 Fish seed farms [Nos] Sheep - Cross breed Animal Husbandry Tng Centres [Nos] Fish Markets [Nos] Sheep - Indigenous Dairy Cooperative Societies [Nos] Poultry hatcheries [Nos] Goat Fodder Cultivation [HA] 402 Slaughter houses [Nos] Pig - Cross breed District Profile 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported Forest Land Area Not Available for Cultivation Permanent Pasture and Grazing Land Land under Miscellaneous Tree Crops Cultivable Wasteland Current Fallow Other Fallow Net Sow n Area Total or Gross Cropped Area Area Cultivated More than Once 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity Food (Rice/Flour/Dal/Oil/Tea/Coffee) State : ASSAM 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) No. of Sub Divisions Agro-climatic Zone Climate Soil Type 5. DISTRIBUTION OF LAND HOLDING Division - Lower Assam Division Low er Brahmaputra Valley Zone Subtropical, w arm-humid summer follow ed by cool and dry w inter. Northern part of the district is clay loam soil, middle part sandy loam and southern part alluvial soil 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous Fish Production [MT] Per cap avail. [gm/day] Horse/Donkey/Camel Egg Production [Lakh Nos] 410 Per cap avail. [nos/p.a.] Poultry - Cross breed Milk Production ['000 MT] 532 Per cap avail. [gm/day] Poultry - Indigenous Meat Production [MT] 172 Per cap avail. [gm/day] Sources (if not mentioned against the respective item): 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 Livestock Census 2012; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat. Dhubri district is endowed with natural resources. The economy is predominantly agrarian with paddy as the major crop. 80% of the population are dependent on agriculture. Other important crops include oil seeds, pulses, cash crop like jute, vegetable etc. Fish farming is another major activity in the district. Dairy farming is practiced by most of the small and marginal farmers and landless labours as a hedge against crop failure. 8

9 District : Dhubri State : Assam Lead Bank : UCO Bank 1. NETWORK & OUTREACH (As on 31/03/2015) No. of No. of non-formal agencies No. of Branches Per Branch Outreach Banks/ assoiated Soc. Semiurban mfos JLGs mfis/ SHGs/ Total Rural Urban BCs/BFs Villages Households Commercial Banks Regional Rural Bank District Central Coop. Bank Coop. Agr. & Rural Dev. Bank Nil Primary Agr. Coop. Society Others 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 Commercial Banks Regional Rural Bank Regional Rural Bank Cooperative Banks Cooperative Banks Others Others All Agencies All Agencies PERFORMANCE TO FULFILL TIOL GOALS (As on 31/03/2015) Priority Sector to Agr. Sector to Weaker under DRI to Women Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Broad Sector Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector RECOVERY POSITION Average Rec. Demand Demand Demand Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies Sources : Lead Bank & SLBC Banking Profile Ach in last 3 years Ach in last 3 years in last 3 years 9