Executive Summary

Transcription

1 PLP Executive Summary was carved out of Dharmapuri district on 09 February The district has 5 Taluks and 10 Blocks, covering a total geographical area of sq.km. The District is elevated from 300m to 1400m above the mean sea level. Agriculture especially horticulture is the main occupation of the people. The Net Sown Area is 1.85 lakh ha forming 36% of the area of the district. 90% of the land holding is less than 2 ha. 31% of the Net Sown Area is irrigated. The cropping intensity is 137%. Paddy, millets, pulses & ground nut are the major crops sown. Vegetables grown in the district are supplied to Kerala and Karnataka states. Krishnagiri is also known for mango production. Mango is grown in over ha and many processing units enter into contract farming with the farmers. The geographical location and salubrious agro-climatic conditions of the district facilitates the cultivation of high value export-oriented floriculture crops especially roses. Sericulture is also an important activity and the district is the highest producer of silk cocoons in the State. The district has a rich deposit of black and coloured granite stones which are prospected, processed and sold in the form of polished granite slabs in the domestic market and also exported to USA, UK, Australia and European countries in large quantities. A number of export oriented granite units have been set up in the district Banking Profile : The district has good network of banks. Indian Bank is the lead bank of the district. The performance of banks during was growth in deposits 21%, growth in advances 8%, priority sector lending 76%, loans to agriculture sector 43% and CD ratio was Sectoral trends in GLC : The Ground Level Credit Flow in the district during the last 3 years was as follows: (Rs. lakh) Sector Target Credit flow % t o t o t a l Credit flow % to total Credit flow % to t ot a l Credit flow Crop Loan Term Loan (MT+LT) Non-Farm Sector Other Priority Sector Grand Total PLP Potential for the year Accelerating the pace of capital formation in agriculture and allied sector is the main theme of the Potential Linked Credit Plan for the year

2 PLP The potentials estimated in the Base PLP for the year has been suitably revised taking into account the current scenario and revised priority sector guidelines : Agriculture : The potential under farm credit has been estimated at Rs. 2,90, lakh including Term Lending of Rs. 91,431 lakh (31%). The potential under Animal Husbandry has been estimated at 50% more than the current GLC in view of the subsidy schemes, suitability of the activity for SF/MF, etc. On account of high potential for floriculture & vegetable cultivation under Greenhouse / open fields, the potential under Plantation and Horticulture (including sericulture) has been estimated at Rs lakh. Agriculture Infrastructure : In line with GoI policy, the potential for storage / godown/ cold storage has been estimated at Rs lakh. Land development activities including watershed structures and improvement of land by organic farming have been estimated at Rs lakh. Subsidy is available under GoI scheme for organic fertilizer & bio-fertilizer units. In view of the advantage to the environment, the potential for these activities is estimated at Rs.3670 lakh. Ancillary Activities : The potential for credit flow to Food processing sector has been estimated at Rs lakh in view of the raw material available in the district, tax /duty exemptions, development of food parks, etc. announced by GoI. MSME Sector : Introduction of 7.5% sub-limit under Priority Sector by March 2017, banks are expected to increase credit under this sector. In Krishnagiri district, the potential under MSME has been estimated at Rs lakh. Other Sectors: Export of granites, automobile parts, agricultural produce, agro processed food has very high potential for growth in the district. The incremental lending up to 10% is reckoned for Priority sector lending and the same is estimated at Rs.7000 lakh. The credit potential under other priority sectors estimated are Rs lakh for education, Rs lakh for housing, Rs. 902 lakh for Renewable energy including solar pumpset under subsidy scheme, Rs lakh towards JLG/SHG & OD under PMJDY, and Rs lakh under social infrastructure including schools, nursing homes, sanitation, etc.. Area Based Schemes : Proximity to Bengaluru & good climate have contributed to the success of floriculture in Thally, Kelamangalam and Hosur Blocks of the district. Therefore, Area Development Banking plan has been prepared for financing 1000 Sq.M units in these three blocks for financing 900 units. TFO is Rs lakh and bank 50% taking into account the subsidy available from NHM. The bank finance is expected to be Rs.3180 lakh. Major constraints & suggested Action points : Renovation of Sub Agricultural Centers, a silage for every MPCS, provision of high power generator for Seed Processing Unit in Agasipalli, scientific godown for seed storage, separate godown for fertilizers/ pesticides, Godown facilities in the vicinity of the farms, crop-specific scientific cold storage facility, cold chain, etc. have been identified as infrastructure requirement for the district. Further, the following constraints/ suggestions are also made to improve agriculture in the district. 1. Watershed development programmes District is receiving deficit and erratic rainfall. Watershed structures are urgently required to be constructed to save the rain water. List of available watersheds may be publicized so that interested parties may take up

3 the works with the approval of TAWDEVA. Companies are interested to take up the work in 50:50 partnership with NABARD under their CSR component. 2. A common marketing centre for flowers with cold storage, facilities for grading, sorting, to provide information on market availability, price, seasonality, etc. is required to be set up in Hosur for the benefit of SF/MF in Hosur, Kelamangalam & Thally. This will also help to deter manipulation by commission agents/ traders. 3. In order to encourage small farmers to take up Jatropha and Pongamia farming, Government could make marketing arrangements for bio diesel seeds/ bio-diesel etc. Private Sector companies may also be encouraged to take up bio diesel plants cultivation with farmers in wasteland through contract farming. 4. Veterinary dispensaries to have generator to maintain the quality of medicines. 5. Animal Husbandry Department is implementing through TANUVAS a scheme under which fodder banks are created in Meikkal/ Mandhai Poromboke lands at village level. Department may take up the activity. 6. Agriculture/ Horticulture Department to encourage construction of ponds for collection of rain water falling on roof of polyhouses and also for construction of small farm ponds in fields having high gradient (lined with polythene sheet to restrict percolation to ground). 7. Pulp industries in the district are already under pressure on account of diminishing supply of mangos due to deficit rainfall. Further, the demand is now for supply of fruit pulp in aseptic packing. Units with container packing facilities need to shift to asceptic packing. As the same requires heavy investments, a suitable banking product may be announced by Ministry of Food Processing. 8. Animal Husbandry Department may apply under RIDF for construction of shandies with water, OHT, sanitation, etc. facilities atleast one per block. 9. Municipalities may consider setting up of organic manure preparation units to utilize household waste. The increasing population in Hosur is creating a lot of organic waste. Subsidy is available under GoI scheme to establish organic manure unit with the waste; either by Municipality or private parties or under PPP mode. 10. There was a proposal for setting up Horticultural University in Hosur. Government may revive the same. Being an agrarian district, atleast one agricultural college is required. 11. No large scale manufacturing units have been set up in the Hosur Industrial Estates in the last two decades. Government may consider setting up one or two large manufacturing units for the survival of existing and new SSI units. Conclusion : Krishnagiri is an agrarian district. Infrastructure development and asset creation in agriculture sector will increase production & productivity of crops, contributing to the goal of achieving food security of the country. Proper arrangements for storage and marketing of crops, will increase the income of the farmers and improve their standard of living which will lead to the development of rural economy. Timely and adequate credit support is necessary for the same. Therefore, a coordinated approach among the Line Departments and banks under the guidance and support of the District Administration is necessary for the development of rural economy. PLP

4 As credit is the backbone for this development, proper review and monitoring of flow of credit is necessary. Banks may ensure proper reporting of the credit disbursement, and timely submission of the prescribed LBR returns, facilitating the review in BLBC/ DCC and other fora. PLP

5 PLP State : Tamil Nadu S.No. Appendix A to Annexure I Broad Sector-wise PLP projections ( ) Particulars District : Krishnagiri (Rs. lakh) PLP Projections A Farm Credit i Crop Production, Maintenance and Marketing ii Term Investment 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 Enterprise III Export Credit IV Education V Housing VI Renewable Energy VII Others VIII Social Infrastructure involving bank credit Total Priority Sector (I to VIII)

6 PLP Appendix B to Annexure I Summary of sector-wise PLP projections (Rs. lakh) Sl. No. Particulars PLP Projections I Credit Potential for Agriculture A Farm Credit 1 Crop Production, Maintenance and Marketing Water Resources Farm Mechanisation Plantation and Horticulture (including sericulture) Forestry and Waste Land Development Animal Husbandry Dairy Animal Husbandry Poultry Animal Husbandry - Sheep, Goat, Piggery, etc Fisheries Development Other Activities -Bullock, Bullock Carts, etc B Agriculture infrastructure Sub Total i Construction of storage facilities (Construction of warehouses, market yards) ii Land development, Soil conservation, Watershed development iii Others (Seed production, Bio fertiliser/pesticides, etc.) C Ancillary Activities Sub-total i Food and Agro Processing ii Others (ACABC/ to MFIs for on-lending, etc.) Sub-total Total Agriculture (A+B+C) II Micro, Small and Medium Enterprise i MSME Working Capital ii MSME Investment Credit Total MSME III Export Credit IV Education V Housing VI Renewable Energy VII Others( to SHGs/JLGs/PMJDY) VIII Social Infrastructure involving bank credit Total Priority Sector (I to VIII)

7 District Profile District - Division - Krishnagiri State - Tamilnadu Zone10-subzone5 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 5143 Agro-climatic Zone Southern plateau hill region as per agro climatic zonal planning No. of Sub Divisions 2 No. of Blocks 10 Climate hot and mild in certain parts No. of Villages (Inhabited) 636 Soil Type Red laterite and Clay No. of Village Panchayats 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 Permanent Pasture and Grazing Land Land under Miscellaneous Tree Crops Cultivable Wasteland Current Fallow Other Fallow Net Sown Area Total or Gross Cropped Area Area Cultivated More than Once Cropping Inensity [GCA/NSA] 7853 Net annual recharge Net annual draft Balance Availability of Ground Water [Ham] DISTRIBUTION OF LAND HOLDING Holding Area Classification of Holding Nos. % to Total Ha. % to Total <= 1 Ha >1 to <=2 Ha >2 Ha Total WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 246 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers Population Agricultural Labourers Workers engaged in Household Industries 200 Scheduled Caste Scheduled Tribe Workers engaged in Allied Agro-activities Literate Other workers 311 BPL 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Households stone/ concrete 278 Having electricity supply Total Having brick/ Rural Households Having source of drinking water Having independent toilets BPL Households Having access to banking services Having radio/tv sets RELATING 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE TO HEALTH & SANITATION [Nos] Villages Electrified 636 Anganwadis Dispensaries Villages having Agriculture Power Supply Primary Health Centres Hospitals Villages having Post Offices Primary Health Sub-Centres Hospital Beds Villages having Banking Facilities Villages having Primary Schools INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Fertiliser/Seed/Pesticide Outlets Agriculture Pumpsets[Nos] [Nos] Villages having Primary Health Centres Total N/P/K Consumption [MT] Pumpsets Energised [Nos] 636 Villages having Potable Water Supply Certified Seeds Supplied [qtl] Agro Service Centres [Nos] Villages connected with Paved Approach Roads Pesticides Consumed [lts] Soil Testing Centres [Nos] 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] Plantation nurseries [Nos] Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] Farmers' Clubs [Nos] Irrigation Potential Created Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos] Net Irrigated Area(Total area irrigated at least INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING once) Area irrigated by Canals / Channels Rural/Urban Mandi/Haat [Nos] Wholesale Market [Nos] Area irrigated by Wells Length of Pucca Road [Km] Godown [Nos] Area irrigated by Tanks Length of Railway Line [Km] Godown Capacity[MT] Area irrigated by Other Sources Public Transport Vehicle [Nos] Cold Storage [Nos] Irrigation Potential Utilized (Gross Irrigated Goods Transport Vehicle [Nos] Cold Store Capacity[MT] Area) 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of Cap.[MT] units Crop Food 295 (Rice/Flour/Dal/Oil/Tea/Coffee) Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) Avg. Yield [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) Fruit (Pulp/Juice/Fruit drink) Paddy Ragi Spices (Masala Powders/Pastes) 13 other cereals Dry-fruit (Cashew/Almond/Raisins) Cotton (Ginnining/Spinning/Weaving) Groundnut Pulses Milk (Chilling/Cooling/Processing) 47 Cotton Meat (Chicken/ 24 Mutton/Pork/Dryfish) Sugarcane Animal feed (Cattle/ Poultry/ 27 Fishmeal) 17. ANIMAL POPULATION AS PER CENSUS INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES tentative [in '000] Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] Animal Markets [Nos] Cattle - Cross bred Disease Diagnostic Centres [Nos] Milk Collection Centres [Nos] Cattle - Indigenous Artificial Insemination Centers [Nos] Fishermen Societies [Nos] Buffaloes Animal Breeding Farms [Nos] Fish seed farms [Nos] Sheep - Cross bred Animal Husbandry Tng Centres [Nos] Fish Markets [Nos] Sheep - Indigenous Dairy Cooperative Societies [Nos] Poultry hatcheries [Nos] Goat Improved Fodder Farms [Nos] Slaughter houses [Nos] Pig - Cross bred MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous Horse/Donkey/ Camel Poultry - Cross bred Poultry - Indigenous Production [MT] Fish Per cap avail. [gm/day] ( ) NA Production [Lakh Egg NA Per cap avail. [nos/p.a.] Nos] NA Milk Production [lakh lts] Per cap avail. [ml/day] Meat Production [MT] NA Per cap avail. [gm/day] NA Sources (if not mentioned against the respective item): Item Nos. 1, 6, 7, 9 & 10 - Latest Census ; 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 ; Item No District Ind Centre/Dir. of Eco. & Stat.; Item No DACNET; Item No AH Census ; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat.

8 Banking Profile Appendix - 2 District Krishnagiri State - Tamil Nadu Lead Bank - Indian Bank Commercial Banks Bank Cooperative Banks 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 NA NA NA 40 6 NA NA 0 30 NA PCARDB NA NA PACS NA 0 5 NA Others NA 0 80 NA All Agencies No. of accounts of Deposit 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA NA NA NA NA NA NA NA Bank Cooperative Banks NA NA NA NA NA Others NA NA NA NA NA All Agencies Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA NA NA Bank NA NA NA NA NA Cooperative Banks NA NA NA NA NA Others NA NA NA NA NA All Agencies CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During Cumulative 31-Mar Mar Mar-15 Deposit Credit Deposit Credit Commercial Banks Bank NA NA NA NA NA NA NA NA Cooperative Banks Cooperative Banks NA NA NA NA Others Others NA NA NA NA All Agencies All Agencies Commercial Banks Bank Cooperative Banks Others All Agencies Priority Sector to Agr. Sector to Weaker Sections under DRI Scheme to Women Target Ach'ment [Rs. '000] No. of accounts 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Ach'ment [%] 1. NETWORK & OUTREACH (As on 31/03/2012) 2. DEPOSITS OUTSTANDING 3. LOANS & ADVANCES OUTSTANDING Target Commercial Banks Bank 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) Ach'ment [Rs. '000] Ach'ment [%] Target of Loan Ach'ment [Rs. '000] Ach'ment [%] Average Ach[%] in last 3 years Commercial Banks Bank Cooperative Banks Others All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS