Executive Summary. PLP Malkangiri

Transcription

1 Executive Summary Agriculture is predominant economic activity in the district. Around 80% of the people directly or indirectly depend on agriculture. Irrigation water is more critical as the agriculture depends only on rainfall which is erratic and unpredictable. The district had achieved 40.84% of the overall target under ACP where the achievement under agriculture & allied was 4.9% of the target during The CD ratio of the district was 22.63%, very low compared to the mandated 60%. This is mainly due to non-achievement by the Commercial Banks (23.6%). The share of investment credit needs to be increased (it is only 8.6%) which will help in capital formation of agriculture and allied sector. Efforts are required to enhance the investment credit in the total portfolio of agricultural credit. In the PLP 206-7, while assessing the exploitable potential that could be tapped with institutional credit during the reference year; some revisions have been made over the Base PLP projections of These revisions are required because of various factors like change in the scale of finance and unit costs, the pattern of Ground Level Credit flow, changing practices at the field and the prevailing infrastructure and various Govt. programmes, change in priority sector lending and thrust areas etc. A financial projection of ` lakh has been made for 206-7, including Crop Loan of ` lakh, Term Loan for Agriculture & Allied Activities of ` lakh, agriculture Infrastructure credit of ` lakh, Ancillary Activities credit of ` lakh, MSME of ` lakh, Export Credit of `40.00lakh,Education of `9.00 lakh. Housing of ` lakh, Renewable source of Energy `2.97 lakh, Others (SHG, JLG, PMJDY) ` lakh and Social Infrastructure involving bank credit of `0.0 lakh. Interventions of governmental agencies for providing necessary infrastructural support and creation of conducive atmosphere for proper exploitation of latent potentials of the area as well as providing the required credit by bankers are essential to achieve the full potential. In order to exploit the potential under water resources, irrigation percentage has to be improved followed by electrification of villages for energisation of pump-sets. Diesel pump-sets/ solarpower may be encouraged in the areas where electrification has not been done. Water harvesting structures have to be created in convergence with MGNREGS. Efforts may be made to popularise drip and sprinkler irrigation systems among the farmers. A large number of minor irrigation projects sanctioned/constructed earlier are incomplete due to various inherent problems which may be sorted out and benefits should reach the farmers. In case of Plantation & Horticulture, Horticulture Department may develop quality planting material and encourage young entrepreneurs to develop private nursery in the district. Farmers may be motivated to use more drip and sprinkler method of irrigation for better water management. The potential under dairy can be achieved through coordination between bankers and the department and the department should educate people for stall feeding of cows and take initiatives for popularisation of Artificial Insemination (AI) to increase the availability of quality animals. The farmers should also be educated to go for fodder cultivation in large scales to ensure availability of

2 fodder for the milch animals. Vanraj variety of poultry birds should be financed under NRLM integrated with Dairy and goatery schemes. All the Gram Panchayat (GP) tanks available in the district may be leased out for a minimum period of 5 years for development of pisciculture. To make fish culture more remunerative, the department may popularise schemes like integrated fish culture i.e. poly culture of fish and prawn. Banks may adhere to seasonality in financing so as to enable the beneficiaries to complete the projects in time. Since, Non-Farm Sector provides maximum employment opportunities; District Industries Centre (DIC) may play a major role in development of this sector There is a need for establishment of rural Godown/ Cold storage in the district to help the producers to get remunerative price and check distress sale. District Administration may be vigilant to ensure that MFI do not exploit SHGs by charging exorbitant rate of interest while financing at their doorsteps. District Administration may identify suitable area specific economic activities, which can be undertaken by the SHGs and arrange for marketing of their products. Area based schemes like Fishery and Goattery have been identified for Malkangiri, K. guma to start with pilot interventions in micro scale, Its success will be replicated in other areas. JLG financing and SHG credit linkage will increase the credit flow in the district. The thrust areas for will be investment credit through JLG/SHG mode of financing and formation of Producer Organizations. The infrastructure requirements in agriculture and allied sector for the district include Soil Testing Laboratories, Seed Processing, Restoration & Repairs of canals, Improvement of distributaries and minor / sub-minor existing Irrigation Projects, Bed lining of canals to facilitate irrigation in the tail-end reaches of command area, Mega Lift Irrigation Projects with larger ayacut / command area on a cluster approach, setting up of Accredited Warehouses in Private Sector, Godowns for PACS,, Cold Storages / Cooling Chambers / Cool Vans / Bulk Milk Coolers, Milk Processing Units, Agro & Food Processing Infrastructure, Primary Processing Units etc. The potential estimated in different sector will be realized with the coordinated approach of all stakeholders and convergence of their resources. In order to track the sectoral credit flow, we need to strengthen reporting system which will help us better monitoring and review of ACP at BLBC and DCC meetings. Further, the comprehensive Financial Inclusion plans are to be implemented within the time frame with a special focus to cover Oral Lessees, Tenant Farmers into Joint Liability Groups. 2

3 Broad Sector-wise PLP Projections Sr. No. A i ii B C I II III IV V VI VII VIII Particulars Farm Credit Crop Production, Maintenance and Marketing Term Loan for agriculture and allied activities Agriculture Infrastructure Ancillary activities Credit Potential for Agriculture (A+ B+C) Micro, Small and Medium Enterprises Export Credit Education Housing Renewable Energy Others Social Infrastructure involving bank credit Total Priority Sector (I to VIII) Sub Total (` Lakh) PLPP Projections Projections (206 7) Agriculture MSME Export Credit Education Housing Renewable Energy Others Social Infrastructure involving Bank Credit 3

4 Summary of Sector / Sub-Sector wise PLP Projections Sr. No. Particulars (` Lakh) PLP Projections I Credit Potential for Agriculture A Farm Credit 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 4.58 Sub Total B Agriculture Infrastructure i Construction of storage facilities ii Land development, Soil conservation, Watershed development 45.5 iii Others Sub Total C Ancillary activities i Food and Agro processing ii Others Sub Total Total Agriculture II Micro, Small and Medium Enterprises i MSME Working capital ii MSME Investment credit Total MSME III Export Credit IV Education 9.00 V Housing VI Renewable Energy 2.97 VII Others VIII Social Infrastructure involving bank credit 0.0 Total Priority Sector

5 District Map 5

6 District Profile District - State - ODISHA MALKANGIRI Division - BERHAMPUR. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) No. of Sub Divisions No. of Blocks No. of Villages (Inhabited) No. of Panchayats Agro-climatic Zone Climate Soil Type Eastern ghats Hill - Tribals (Zone 7) Moist sub humidity to Dry sub humidity Red sandy,red&yellow,red loamy laterite 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported Normal Actual Forest Land Rainfall [in mm] Area Not Available for Cultivation 2000 Variation from Normal Permanent Pasture and Grazing Land 2000 Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 843 [Ham] Cultivable Wasteland DISTRIBUTION OF LAND HOLDING Current Fallow Holding Area Classification of Holding Other Fallow 7000 Nos. % to Total Ha. % to Total Net Sown Area <= Ha Total or Gross Cropped Area > to <=2 Ha Area Cultivated More than Once >2 Ha Cropping Inensity [GCA/NSA] 28 Total WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 8 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 74 Population Agricultural Labourers 64 Scheduled Caste Workers engaged in Household Industries 9 Scheduled Tribe Workers engaged in Allied Agro-activities 8 Literate% Other workers 6 BPL 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households Having brick/stone/concrete houses Having electricity supply 6 Rural Households Having source of drinking water 230 Having independent toilets BPL Households Having access to banking services Having radio/tv sets 0. VILLAGE-LEVEL INFRASTRUCTURE [Nos]. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 483 Anganwadis 020 Dispensaries 7 Villages having Agriculture Power Supply Primary Health Centres 25 Hospitals 5 Villages having Post Offices 09 Primary Health Sub-Centres Hospital Beds 286 Villages having Banking Facilities 2. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 979 Fertiliser/Seed/Pesticide Outlets [Nos] 85 Agriculture Pumpsets[Nos] 2730 Villages having Primary Health Centres 30 Total N/P/K Consumption [MT] 99 Pumpsets Energised [Nos] Villages having Potable Water Supply 738 Certified Seeds Supplied [MT] Agro Service Centres [Nos] NIL Villages connected with Paved Approach Roads 206 Pesticides Consumed [MT] Soil Testing Centres [Nos] 3. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 694 Plantation nurseries [Nos] 6 Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] 67 Farmers' Clubs [Nos] 255 Irrigation Potential Created Threshers/Cutters [Nos] 90 Krishi Vigyan Kendras[Nos] Net Irrigated Area(Total area irrigated at least once) 4. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 5500 Rural/Urban Mandi/Haat [Nos] 3 Wholesale Market [Nos] 8 Area irrigated by Wells 920 Length of Pucca Road [Km] 4608 Godown [Nos] NA Area irrigated by Tanks 970 Length of Railway Line [Km] Godown Capacity[MT] NA Area irrigated by Other Sources 4297 Public Transport Vehicle [Nos] Cold Storage [Nos] NA Irrigation Potential Utilized (Gross Irrigated Area) 6297 Goods Transport Vehicle [Nos] Cold Store Capacity[MT] Nil Type of Processing Activity No of units Cap.[MT] Avg. Yield Crop 6 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Paddy Maize Ragi Groundnut Seasamum Dry Chillies Sweet patato Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 3 Animal Markets [Nos] Cattle - Cross bred 3.69 Disease Diagnostic Centres [Nos] Milk Collection Centres [Nos] 9 Cattle - Indigenous Artificial Insemination Centers [Nos] 33 Fishermen Societies [Nos] 0 Buffaloes Animal Breeding Farms [Nos] Fish seed farms [Nos] 9 Sheep - Cross bred Animal Husbandry Tng Centres [Nos] 50 Fish Markets [Nos] Sheep - Indigenous 23 Dairy Cooperative Societies [Nos] 30 Poultry hatcheries [Nos] Goat 562 Improved Fodder Farms [Nos] Slaughter houses [Nos] Pig - Cross bred 5. AGRO-PROCESSING UNITS 6. AREA, PRODUCTION & YIELD OF MAJOR CROPS 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) Meat (Chicken/Motton/Pork/Dryfish) Animal feed (Cattle/Poultry/Fishmeal) 7. ANIMAL POPULATION AS PER CENSUS 202 [in '000] 8. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES 9. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 3 Fish Production [MT] 5579 Per cap avail. [gm/p.a] 260 Horse/Donkey/Camel Egg Production [Lakh Nos] Per cap avail. [nos/p.a.] 28 Poultry - Cross bred 00 Milk Production ['000 MT] 5 Per cap avail. [gm/p.a] 60 Poultry - Indigenous 06 Meat Production [MT] 458 Per cap avail. [gm/p.a].7 Sources (if not mentioned against the respective item): Item Nos., 6, 7, 9 & 0 - Census 200; Item Nos. 2, 3, 5, 2, 3 & 4 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item No. 8 - BPL Survey 2002; Item No. 5 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 6 - DACNET; Item No. 7 - AH Census 2003; Item Nos. 8 & 9-6

7 Banking Profile District - MALKANGIRI 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 -- _ Primary Agr. Coop. Society _ Others _ All Agencies _ No. of accounts of Deposit [`'000] 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) Commercial Banks Regional Rural Bank (-)3 5 Cooperative Banks (-)2 8 Others (+6) 6 All Agencies Mar-2 3-Mar-3 3-Mar-4 Growth(%) Share(%) 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks Others 7200 All Agencies CD Ratio During Cumulative 3-Mar-3 3-Mar-4 3-Mar-5 Deposit Credit Deposit Credit Commercial Banks Commercial Banks NA NA NA NA Regional Rural Bank Regional Rural Bank Cooperative Banks Cooperative Banks Others _ 0.0 Others All Agencies All Agencies Commercial Banks Regional Rural Bank Cooperative Banks Others -- All Agencies AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Commercial Banks NA NA NA NA NA NA NA Regional Rural Bank NA NA NA NA NA NA NA Cooperative Banks NA NA NA NA NA NA NA Others NA NA NA NA NA NA NA All Agencies NA NA NA NA NA NA NA Broad Sector Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies Sources : Lead Bank & SLBC. NETWORK & OUTREACH (As on 3/03/205) 2. DEPOSITS OUTSTANDING 3. LOANS & ADVANCES OUTSTANDING No. of accounts of Loan 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 3/03/205) Priority Sector to Agr. Sector to Weaker Sections under DRI Scheme to Women Target Target Demand [` '000] Average Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach[%] in [ ` '000] [%] [ ` '000] [%] [ ` '000] [%] last 3 years 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach[%] in [ ` '000] [%] [ ` '000] [%] [ ` '000] [%] last 3 years 9. RECOVERY POSITION Average Rec. Recovery Demand [` Recovery Demand [` Recovery [%] in last 3 Recovery [%] Recovery [%] Recovery [%] [ ` '000] '000] [ ` '000] '000] [ ` '000] years 9