EXECUTIVE SUMMARY Agriculture Sector MSME Sector

Transcription

1 I About District EXECUTIVE SUMMARY Jhajjar district with a geographical area of 834 Sq. Km. (9 Sq. Km. according to village papers) is situated in the Middle Eastern part of the Haryana State. It is surrounded by Rohtak and Sonepat districts in the North, Rewari and Gurgaon districts in the South, national capital Delhi in the East and Bhiwani district in the West. It comprises of 3 tehsils, sub-tehsil, 5 blocks, 5 towns and 247 inhabited villages/ towns. Agro-climatically, Jhajjar district falls under sub-humid and semi-arid zone. The economy is purely agrarian and is supported by other economic activities like dairying, horticulture, service, trade and business. The district (except Bahadurgarh block) has been identified as an industrially backward. According to 20 census, the population of the district is 9.58 lakh with a population density of 523 persons per KM. The Sex ratio is alarmingly low at 862 females per thousand males. District is in a better position with respect to roads, education, electricity and water availability and lagging behind in respect of irrigation, transportation, marketing facilities, etc. than the State Infrastructure Average Index. Out of the total landholdings, landholdings are with that of small and marginal farmers (68.4% of the total) who own up to 2 hectares of land. However, the land holding area of these farmers aggregate to 3656 hectares which constitutes 23.9% of the total land holding area of the district. Total geographical area of Jhajjar district is,9,000 hectares. The total cultivable area is,69,000 hectares. Net cropped area during was,60,000 hectares, whereas gross cropped area is 2,43,250 hectares. The net irrigated area of the district was,09,000 hectares which was 68% of net cropped area. The gross irrigated area was,95,028 hectares which was 80% of gross cropped area. The cropping intensity of the district is 52%. The district has a network of 66 Bank branches and 23 PACS. PLP Preparation: NABARD in the year had prepared Base PLP for five years coterminous with the XII Five year plan-(202-7). The Base PLP projected a five year credit potential under priority sector covering Primary, Secondary and Tertiary sectors, with 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 relook at the credit potential for the year The District Profile also gives information related to the district, both demographic as well related to Agriculture sector. It also describes the major crop grown and various aspects linked to it. The main theme of this year s PLP is Accelerating the pace of capital formation in agriculture and allied sector and keeping that in mind the PLP has made Term Loan in Agriculture as thrust area this year. Flow of Ground Level Credit (GLC) The ground level credit flow (priority sector) during last 3 years is exhibited below: Sector (` in lakh) Year Agriculture Sector MSME Sector Other Priority Sector i

2 Total Priority Sector Percentage increase 2.22% 30.8% 23.74% over previous year The share of crop loan in total agriculture during last six years was 93.6%, 9.% and 87.2% respectively. In sharp contrast, the share of term credit in total agriculture has shrunk over the years though it shoed marginal increase. This is primarily on account of financing for Kisan Credit Card (KCC) which caters to other/ allied credit needs of farmers besides meeting cost of cultivation of different crops. KCC scheme due to large publicity, suitability to farmers and comfortability to banks has set the total agriculture credit growing. PLP Projection of Sector-wise Potentials Based on various factors like long-term potential, availability and identified gaps in infrastructure, marketing support, State/Central Govt. policies, credit flow trends during recent years, credit absorption capacity and other strengths and weaknesses of the credit delivery systems, a plan of Rs lakh has been prepared. Major components are Crop Loans (Rs lakh), Allied Agriculture (Rs lakh), MSME Sector (Rs lakh) and Other Priority Sector (Rs lakh). The projections as compared to the projections in base PLP have been revised keeping in view the current infrastructure and other requirements at the field level. Accordingly reasons have been mentioned in the respective chapters. The PLP also indicates the projections with regard to formation of 300 and credit linkage of at least 300 SHGs and 5 more Kisan clubs. In Jhajjar district, a total of,55,403 KCCs were issued upto 3 March 205. It is essential on the part of all banks to make sincere efforts for issuing fresh KCCs to cover all the cultivators (,77,377) by the end of The Block wise Potential takes into account the existing cultivation area, credit flow trends, potential available, possibility of grounding new schemes, etc. while at the same time endeavoring to have a balanced credit flow for all regions within the district. Other contents and Issues The PLP has endeavoured to address the areas for diversification in all sectors and needs to be noted down by the banks. The Mission for Integrated Development of Horticulture (MIDH) subsidies on offer are referred to in the document. The Micro Finance Sector states the need to credit link at least 300 SHGs in The growth rate of linkages has been slow and the NRLM and NGOs need to work with Banks aggressively. The section on Non-Renewable energy may be perused for obtaining an insight into the priorities of the government and the possible sub sectors which can be financed. The Central Government Priority for SMEs and Housing and Education has been factored in assessing the potential for Non Farm Sector/ Other Priority Sector. The Chapter on Agro Processing/ Food Processing Sector has been included under SME chapter. The Animal Husbandry Section in Chapter-3..6 incorporates the credit flow which can be tapped through the Dairy Entrepreneurship Development Scheme(DEDS) and other schemes. Term Loans to Agriculture need to be stepped up by banks so as to facilitate asset creation in the agriculture sector. Centre Govt. through its Budget has also emphasized on extending loaning to this sector. Farm Mechanisation section requires a perusal to understand the need to move beyond tractor financing to other farm equipments. The PLP briefly addresses issues of Infrastructure especially Marketing Infrastructure sector. PLP also provides details regarding all the important Government sponsored programmes with a review of the same. Critical analysis has been attempted to review the performance of the financial institutions. Role of informal credit delivery system has also been assessed. The details regarding various policy initiatives by Government of India, Reserve Bank of India, National Bank for Agriculture and Rural Development (NABARD) & Government of Haryana for over all development, have been consolidated at Chapter I. The details of initiatives taken under SHG- Bank Linkage Programme are explained in Chapter XI. ii

3 II. A new approach to PLP has been made by focusing on one activity which give thrust to the sector in which there is lot of scope and potential and thus PLP focuses this year on Dairy in Chapter 6 under Area Based Scheme. Model scheme to develop this sector is being proposed. Some innovative banking products like Rupay KCC, Financial Inclusion measures have been mentioned in PLP. The PLP also focuses on formation of atleast 00 JLGs this year by giving fillip to oral lessees, landless farmers and other tenant farmers. It also focuses on Wet and Dry storage financing, Post Harvest infrastructure, Producers Organisations and other commercial agriculture activities in the district. III. Every Chapter briefly describes the Critical infrastructure which needs to be supported by the State Govt. and it has a bearing on the credit potentials assessed in this PLP. Govt. needs to support Cold chain infrastructure, rural godowns and other value chain interventions wherever necessary. IV. District Coordinators of banks need to guide entrepreneurs as also Line departments for sectors such as Horticulture, Fisheries, Animal Husbandry, Market Yards/Rural Godowns, etc. Reporting in Agriculture Others under LBR needs to be realistic by banks while Crop Loans or the relevant sub sector in term loans needs to be reported accurately. The Banks need to focus upon the Micro Finance Sector for scaling up NFS as also to double credit flow to SMEs by the end of 2 th Plan. The DIC may facilitate growth in NFS by sponsoring more cases of Industry. Banks may also encourage such prospective entrepreneurs. The Branch Heads need to overcome attitudinal barriers for general SHG financing specially the need to finance both Consumption and Income Generating activities in a flexible manner. The Farmers Clubs movement is confined to a few Banks only. The Clubs need to be regular in their meetings and activities also. The clubs have also been envisaged as Business Facilitators. Banks may form clubs in the light of increasing business through these clubs. Branch Heads may guide the Clubs accordingly and ensure proper functioning and regular reporting to uphold the objectives of these clubs. The SAMIS has stabilized in the district but incorrect/untimely reporting distorts the credit flow analysis and needs corrective measures. Banks also need to create a real time database for General SHGs, Swarozgar Credit Cards, General Credit Cards, Artisan Credit Cards, Weavers Credit Cards and Kisan Credit Cards with on time reporting to the LDM. Information from Banks and NGOs for general SHGs also requires qualitative improvement. This would also give quality to the discussions during BLBC and DCC meetings. The PLP has identified few thrust areas which are; Dairy (including Sheep, Goat, Piggery), Horticulture, Land Development, Rural Godowns, Food & Agro Processing and Fisheries. Apart from these formations of JLGs and SHGs should be encouraged. These activities backed by various subsidies available, would not only help the farmer in increasing his income but also to the bankers in financing to activities which would ensure assured return. However, for this Bankers need to be proactive by educating the rural farmer about these schemes. The Government departments need to actively coordinate between farmers and the Bankers. They may also take help of Farmers Clubs wherever established. iii

4 BROAD SECTOR-WISE PLP PROJECTIONS (` lakh) S.No. Sector PLP Projection Projection A i ii Farm Credit Crop Production, Maintenance and Marketing (Crop Loan) Term Investment for Agriculture and Allied Activities (Agri. Term Loan) Projection Total (i+ii) B Agriculture Infrastructure 842 C Ancillary Activities 405 I Credit Potential For Agriculture (A+B+C) II Micro, Small and Medium Enterprises III Export Credit IV Education V Housing VI Reneawble Energy VII Others VIII Social Infrastrcuture involving Bank Credit Total Priority Sector (I to VIII) Education 3% Housing 5% Others 5% Social Infrastrcuture involving Bank Credit % Crop Production, Maintenance and Marketing (Crop Loan) Term Investment for Agriculture and Allied Activities (Agri. Term Loan) Micro, Small and Medium Enterprises Reneawble Energy 0% Micro, Small and Medium Enterprises 7% Crop Production, Maintenance and Marketing (Crop Loan) 52% Export Credit Education Housing Reneawble Energy Export Credit Term Investment for Others 0% SUMMARY OF SECTOR-WISE PLP PROJECTIONS Agriculture and Allied Activities District Social Jhajjar Infrastrcuture involving Bank (Agri. Term Loan) Credit 7% iv

5 S.No. PARTICULAR Projection I A Credit Potential for Agriculture Farm Credit i Crop Production, Maintenance and Marketing ii Water Resources 3730 iii Farm Mechanisation 3 iv Plantation and Horticulture 2542 v Forestry and Waste Land Development 272 vi Animal Husbandry Dairy Development 8699 vii Animal Husbandry Poultry Development 6729 viii Animal Husbandry Sheep, Goat and Piggery Development 607 ix Fisheries Development 23 x Other - Bullock, Bullock cart etc 7077 B Agriculture Infrastructure SUB TOTAL i Storage Facilities 888 ii Land Development, Soil Conservation, Wasteland Development 5820 iii Other - Tissue culture, Agri bio-technology, Bio pesticides/fertilizer, vermin composting 344 SUB TOTAL 842 C Ancillary Activities i Food and Agro Processing 80 ii Other -Loans to Coop Societies, Agri Clinic/Agri Business Centres, Loans to PACS/LAMPS/MFI 225 SUB TOTAL 405 TOTAL AGRICULTURE II Micro, Small and Medium Enterprises i MSME - Investment Credit ii MSME - Working Capital 2029 TOTAL MSME III Export Credit 59 IV Education 8250 V Housing 6605 VI Renewable Energy 530 VII Other - Loans to SHG, JLG, PMJDY etc 5308 VIII Social Infrastructure involving Bank Credit 2508 TOTAL PRIORITY SECTOR v

6 DISTRICT PROFILE (a) Predominant economic activities of the district Predominant economic activities in the district are agriculture and dairy. The murrah breed of buffalo of this district is famous world-wide. The district also possesses 38 medium/ large industries, 640 other small and working registered industrial units. Except Bahadurgarh, there are only a few industries in other 4 blocks. (b) Major food / commercial and plantation / horticulture crops Wheat, Jawar, Bajra, Mustard, paddy and sugarcane are main crops. Ber, guava, citrus fruits and vegetables are main horticultural crops. Mushroom and strawberry are also cultivated in a small area. (c) Profile of one Major Commodity of the District: Wheat is the major commodity produced in the district. A total of 4.40 lakh MT of wheat was produced from ha in the district during the year Productivity was 453 Kg/Ha. The most popular variety of seed used is PBW-343. Other varieties used include, WH-7, PBW-502, DBW-7, WH-542, WH-283, HD- 2329, UP-2338, Raj-3765 etc. Sowing season varies from 0 November to 5 December, depending on early or late variety adopted. The number of irrigations given to the crop varies between 5 and 6 times. The Seed rate is 00 Kg/Ha while 25 Kg/Ha under late sown conditions. The seed replacement rate in the district during the year was about 50%. The total chemical fertilizer consumption during was for NPK combined. In addition to this 68 tons of pesticides was consumed. Also as per the live stock census 2007, a total of 7564 animal operated agriculture implements were used by farmers amongst these the major ones are wooden/steel plough, cultivator, disc harrow, animal cart etc. Agriculture Department, headed by a Deputy Director, provides technical guidance and holds periodic demonstration camps on use of new technology, besides cultivation and post harvest management techniques under RKVY. The Agriculture Department also handles extension work. The common pests and diseases afflicting the crop and the treatment measures recommended by the Department of Agriculture, Haryana, are as follows: Pests (i) Termites (ii) Aphids Diseases (i) Yellow Rust (ii) Black Rust (iii) Loose Smut Treatment Seed treatment with Chlorpyriphos ml or Ethion ml per 40 kg of seed Spray Malathion ml in 250 litres of water per acre Treatment Sow resistant varieties like WH-57, WH-283, WH-542 and DBW-7 Not recorded (i) Adopt solar treatment of seed during May June or Treat seed with Vitavax or 2gm or Tabuconazole(Raxil-2DS)@ gm per Kg of seed (ii) Rouging and burning of affected plants

7 (iv) Leaf Smut (v) Karnal Bunt (i) Treat seed with Vitavax or 2gm or Tabuconazole(Raxil-2DS)@ gm per Kg of seed (ii) Rouging and burning of affected plants (iii)sow resistant varieties like WH-283 and WH-896 (i) Treat seed with Tabuconazole(Raxil-2DS)@ gm per Kg of seed+ gm per Kg of seed. (ii) Varieties like WH 283, WH-542, Raj-3765 and WH- 896 are less susceptible. (vi) Black point (d) Spray Zineb or 800 gm per acre at an interval of 0 to 5 days. Apart from this KVK Jhajjar also provides training to farmers and Rural youth on Farm activities and trades related to Mushroom, Bee Keeping and self employment generating activities. Other factors affecting the district rural economy and development of various sectors, viz., flood, drought, pest attack, hailstorms, etc. Hot summer, cool winter and meager rainfall are the main climatic characteristics of Jhajjar district. The tendency of less rainfall continuously for 4-5 years put the district in severe drought situation. A slightly good rainfall causes flood situation. The area is uneven especially in two blocks Matanhail and Sahlawas and also suffers from inundation and water logging during monsoon season. (e) Special/Additional/Other Features of the District relevant to credit estimates: Jhajjar district has maximum concentration of industries in leather, agro-processing and other heavy industry in Bahadurgarh. The district being adjacent to Delhi the National capital holds lot of importance as one major KMP express highway would be passing through the district and is expected to augur industrial progress around it. AIIMS would be started functioning from new campus in Badli falling under Jhajjar district in near future. The leather park has been established by HSIIDC at Bahadurgarh where many units have come up. There are about 5 Export oriented units in Bahadurgarh. Substantial marketable surplus of wheat, paddy, sugarcane, vegetables, and fruit is available in the district for development of Agro and Food Processing industry. (f) Panchayati Raj Institutions(PRIs) Introduced in 959 as a three-tier structure of local self-government at the village, block and district level, the Panchayat Raj Institutions attained constitutional status with the Constitution (73 rd Amendment) Act, 992. Pursuant thereto, the Government of Haryana enacted the Panchayati Raj Act 994 giving the Panchayats at all the three levels, powers and authority to function as institutions of self-governance, including preparation of plans for economic development, social justice, and implementation of schemes with regard to all 29 matters listed in the th Schedule of the Constitution. Main source of income for Gram Panchayat is the lease money of Shamlat land and village ponds given on yearly lease. Income is utilized on development works of the village. (i) Development Schemes under Implementation through PRIs in. Various Government Schemes aimed at improved water supply and sanitation, pavement of streets, deepening of wells, tree plantation etc., are being implemented in the district. 2

8 (ii) Effectiveness of PRIs in Jhajjar district: The Secretaries and other executives of the institutions have played very important role in formation and nurturing of Self Help Groups at the village level. The Panchayats have played as catalysts in promoting institutional credit at grass root level. Further, the PRIs have been working in tandem with SHGs at the village level for integrated development and poverty alleviation programmes. Panchayats have been actively involved in Govt. sponsored schemes like Nirmal Gram Scheme, Total Sanitation Campaign, tree plantation, supply of potable water etc. During the year 20-2, 5 Gram Panchayats were awarded for the district level Niram Gram Puraskar under 00% sanitation programme. (iii) Specific Action Plan PRIs in the district may be involved in Village Development Plan, Rainwater Harvesting, Quality input supply to farmers, SHG promotion & credit linkage and market outlet for rural non farm products. The funds placed at the disposal of PRIs, under various schemes, can be utilized for developmental purposes. There is a need to provide computers having internet facilities to all the Gram Panchayats with skilled manpower. (g) Economic Indicators At current prices, The Gross State Domestic Product (GSDP) of Haryana during stood at Rs crore( quick estimates). Per capital Income of Haryana State stood at Rs (Advance Estimates) Estimates of Gross Fixed Capital Formation in Haryana (at current prices on basis of quick) in Agriculture stood at Rs cr, Forestry at Rs cr, manufacturing at Rs cr, trade at Rs. 538 cr, construction at Rs. 46 cr, transport at Rs.306 cr, banking & insurance at Rs. 466 cr & real estate at Rs cr. District specific figures are not available. 3

9 District Map 4

10 District Jhajjar District Profile State Haryana Division Rohtak No. of Sub Divisions No. of Blocks. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) No. of Villages (Inhabited) No. of Panchayats Total Area Reported Forest Land 834 # Agro-climatic Zone : Semi- Arid and sub -humid Zones Climate : Hot Summer, Cool Winter, and meager rainfall 249 Soil Type : Loam, coarse loam, sandy loam and mixed. 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER 9000 Rainfall [in mm] Normal Actual Area Not Available for Cultivation 2000 Variation from Normal ( in %) Permanent Pasture and Grazing Land Availability of Ground Water - [Ham] Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops Cultivable Wasteland DISTRIBUTION OF LAND HOLDING Current Fallow 8000 Classification of Holding Holding Other Fallow Net Sown Area Total or Gross Cropped Area Area Cultivated More than Once 9000 Nos. % to Total Ha. % to Total <= Ha > to <=2 Ha >2 Ha Cropping Inensity [GCA/NSA] 52.0 Total WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators Of the above, Small/Marginal Farmers Agricultural Labourers Workers engaged in Household Industries Workers engaged in Allied Agro-activities Other workers 2 Category Total Male Female Rural Urban 50 Population Scheduled Caste Scheduled Tribe NA Literate BPL 234 NA NA HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 85 Having brick/stone/concrete houses 46 Having electricity supply 37 Rural Households 36 Having source of drinking water 47 Having independent toilets 50 BPL Households 49 Having access to banking services 48 Having radio/tv sets VILLAGE-LEVEL INFRASTRUCTURE [Nos]. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 265 Anganwadis 750 Dispensaries 5 Villages having Agriculture Power Supply 30 Primary Health Centres 22 Hospitals 3 Villages having Post Offices 8 Primary Health Sub-Centres 23 Hospital Beds 338 Villages having Banking Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 238 Fertiliser/Seed/Pesticide Outlets [Nos] 08 Agriculture Pumpsets[Nos] Villages having Primary Health Centres 27 Total N/P/K Consumption [MT] Pumpsets Energised [Nos] 34 Villages having Potable Water Supply 247 Certified Seeds Supplied [MT] 5500 Agro Service Centres [Nos] Villages connected with Paved Approach Roads 247 Pesticides Consumed [MT] 68 Soil Testing Centres [Nos] 2 3. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 6970 Plantation nurseries [Nos] - Total Area Available for Irrigation (NIA + Fallow) Power Tillers/Rotavators/ C Harvesters [Nos] 772 Farmers' Clubs [Nos] 9 Irrigation Potential Created - Threshers/Cutters [Nos] 7640 Krishi Vigyan Kendras[Nos] Net Irrigated Area(Total area irrigated at least once) INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels Rural/Urban Mandi/Haat [Nos] 5 Wholesale Market [Nos] 3 Area irrigated by Wells Length of Pucca Road [Km] 329 Godown [Nos] NA Area irrigated by Tanks - Length of Railway Line [Km] NA Godown Capacity[MT] Area irrigated by Other Sources - Public Transport Vehicle [Nos] 245 Cold Storage [Nos] Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] 036 Cold Store Capacity[MT] AGRO-PROCESSING UNITS 6. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] Crop 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) Avg. Yield [Kg/Ha] Area ('000 Ha) Prod. ('000 MT) Area (Ha) Prod. (MT) Yield(Kg/Ha) 2 5 Wheat Paddy Jowar Bajra Mustard (LPD) Gram Cotton Animal feed (Cattle/Poultry/Fishmeal) 2 NA Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(77.8 kg per bale in India) 7. ANIMAL POPULATION AS PER CENSUS 202 [in '000] 8. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] Animal Markets [Nos] -- Cattle - Cross bred Disease Diagnostic Centres [Nos] 5 Milk Collection Centres [Nos] 2 Cattle - Indigenous Artificial Insemination Centers [Nos] 34 Fishermen Societies [Nos] -- Buffaloes Animal Breeding Farms [Nos] -- Fish seed farms [Nos] -- Sheep - Cross bred Animal Husbandry Tng Centres [Nos] 2 Fish Markets [Nos] Sheep - Indigenous Dairy Cooperative Societies [Nos] 333 Poultry hatcheries [Nos] -- Goat 0 9 Improved Fodder Farms [Nos] -- Slaughter houses [Nos] Pig - Cross bred MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 5 4 Fish Production [MT] 8320 Per cap avail. [gm/day] 9 Horse/Donkey/Camel Egg Production [Lakh Nos] 264 Per cap avail. [nos/p.a.] 9 Poultry - Cross bred Milk Production ['LLs] 60 Per cap avail. [gm/day] 747 Poultry - Indigenous Meat Production [MT] 70 Per cap avail. [gm/day] 23 # 9 Sq. Kms according to village Population figures are Census 20 Item Nos., 6, 7, 9 & 0 - Census 20; 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 - Census 20; Item No. 5 - Sources (if not mentioned against the District Ind Centre/Dir. of Eco. & Stat.; Item No. 6 - Dept. of Agr; Item No. 7 - AH Census 202; Item Nos. 8 & 9 - Dir. of Animal Hus./Dir. of Eco. & Stat. The data mentioned here is respective item): mostly from Statistical Abstract Haryana and at few places to fulfil the data gap the department concerned data has been added. Area 5

11 District Jhajjar State Haryana Banking Profile Lead Bank Punjab National Bank 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 Others All Agencies DEPOSITS OUTSTANDING 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) Commercial Banks NA NA NA Regional Rural Bank Cooperative Banks Others All Agencies LOANS & ADVANCES OUTSTANDING 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) Commercial Banks NA NA 7994 #VALUE! Regional Rural Bank Cooperative Banks Others All Agencies CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) 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 Others All Agencies All Agencies PERFORMANCE TO FULFILL NATIONAL GOALS (As on 3/03/205) Amount Loans Amount. NETWORK & OUTREACH (As on 3/03/205) No. of Branches No. of non-formal agencies associated Per Branch Outreach No. of accounts No. of accounts Loans Amount Loans Amount Amount of Deposit Amount of Loan CD Ratio During Cumulative Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Loans Amount Loans Commercial Banks NA NA Regional Rural Bank Cooperative Banks Others All Agencies AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 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 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 Demand [Rs. '000] Recovery Recovery Demand [Rs. '000] Recovery [Rs. '000] Recovery Demand [Rs. '000] Recovery [Rs. '000] Recovery Average Rec. in last 3 years Commercial Banks NA NA NA NA NA NA NA NA NA #VALUE! Regional Rural Bank Cooperative Banks DPCARDB All Agencies Sources : Lead Bank & SLBC