PLP Nalgonda. Executive Summary

Transcription

1 Executive Summary Theme of PLP: The theme for the PLP is Accelerating the pace of capital formation in agriculture and allied sector. Taking cognizance of the theme of the PLP for the year , sector wise potential for credit deployment along with critical infrastructure gaps in the district has been assessed and presented. The PLP for the year has been redesigned based on the revised Priority Sector Lending norms prescribed by RBI. Salient features of Nalgonda Nalgonda district lies in the southern part of Telangana State with a geographical area of 14.4 lakh ha. The average rainfall is 75 mm. The population of the district is lakh. Krishna river is the only perennial river. Nagarjuna Sagar is the major irrigation project with a command area of 1.4 lakh ha. The district has been categorised as drought prone district. Agriculture occupies an important place in the district s economy. Paddy, cotton, red gram, green gram, maize and groundnut are the main crops grown in the district. The net sown area is 5.83 lakh ha with cropping intensity of 15%. The net irrigated area is 3.03 lakh ha. Citrus and mango crops are predominantly grown. There is vast potential for agro-based and mineral based industries, handlooms, etc. The tie and dye varieties of Pochampally handlooms in Nalgonda district have a very good export market. Certain artisan activities like brass and aluminium utensil making are found in the district. Trends in Ground Level Credit: The Ground Level Credit (GLC) flow to priority sector for the year stood at ` crore as on as against the ACP target of ` crore, recording an achievement of 106% of the target. The overall achievement under ACP during 01-13, and was 95%, 87% and 106%, respectively. Projections for : Base PLP was prepared for five years (01-17), co-terminus with the XII five year plan period. The projections for the year have been revised considering the newly created infrastructure as also the revised unit cost in respect of few activities after analysing the GLC and emerging credit needs in the district. The total credit potential for under priority sector for the district is estimated at ` crore (as given in Annexure I). The projected potential is 10.1 % higher than estimated potential for the year Of this, ` crore has been projected towards crop loans, `.1574 crore to term investment for Agriculture and Allied Activities, ` cr for MSME and for `715cr other activities under Priority Sector. Agriculture Term Loan is 8% of total projection towards agriculture and is in tune with the theme of PLP. Government programmes and priorities as also various related announcements made in the Union Budget were taken into account while making projections. SHG loans for investment purposes like agriculture and allied activities, dairy, sheep and goat, petty business etc were taken into consideration while projecting a credit potential of `600 crore under SHG financing. The block/joint mandal wise projections have been indicated in Annexure I. Major constraints & Suggested action points Major constraints include small fragmented land holdings, inadequate capital formation, poor recovery in Govt. sponsored programmes, shortage of scientific storage space & other marketing infrastructure, lack of continuous power supply etc. 1

2 Considering the low land holding pattern, banks may promote JLGs and extend credit facility to tenant farmers/sharecroppers and marginal farmers using LEC Revised KCC norms to be followed for crop loan. Banks to take up pledge finance against Negotiable Warehouse Receipts (NWRs). Large scale promotion of water saving devices like drip and sprinkler systems. Dairy loans to be encouraged with tie up arrangements with Milk Cooperative societies and SHGs. Credit flow for sheep farming is to be supported. Establishment of scientific storage facilities at village level. Non conventional energy sources to be given fillip by financing solar systems to weavers and other entrepreneurs in MSME sector under CGTMSE Area based scheme In order to accelerate capital formation in agriculture, a few predominant activities which can be covered under area-based schemes have been identified. The focus of these schemes is to give thrust to the identified sector/activity by enhancing term loan disbursements through a banking plan. Area based schemes ensure coverage of small and marginal farmers and facilitate planning and execution of infrastructure facility viz., backward and forward linkages for full realization of the benefits of the projects / schemes. Those backward and forward linkages could also be planned and executed with credit support. If the needs of inter-related activities are addressed in a focused manner, the overall results will be self sustaining.two Area based schemes, viz, two animal units under dairy development and Sheep Farming have been projected in the district.

3 APPENDIX A Appendix A to Annexure 1 Broad Sector wise PLP projections ` Lakh PLP Projections Sr. No. Particulars A Farm Credit i Crop Production, Maintenance and Marketing ii Term Loan for agriculture and allied activities Sub Total (Ai +Aii) B Agriculture Infrastructure C Ancillary activities Sub Total of Investment Credit (Aii+B+C) I Credit Potential for Agriculture (A+B+C) II Micro, Small and Medium Enterprises III Export IV Education V Housing VI Renewable Energy VII Others VIII Social Infrastructure involving bank credit Total Priority Sector (I to VIII)

4 APPENDIX B Appendix B to Annexure 1 Summary of Sector / Sub-sector wise PLP projections (` lakh) PLP Projections Sr. No. Particulars I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing ii Water Resources iii Farm Mechanisation iv Plantation and Horticulture including Sericulture v Forestry and Waste Land Development vi Animal Husbandry Dairy vii Animal Husbandry Poultry viii Animal Husbandry Sheep, Goat, Piggery, etc ix Fisheries (Marine, Inland, Brackish water) x Others Bullock, Bullock cart, etc Sub Total B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, Godowns, Silos, Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed development iii Others (Tissue culture, Agri bio-technology, Seed production, Bio pesticides/ fertilizers, Vermin composting) Sub Total C Ancillary activities i Food and Agro processing ii Others ( to Cooperative Societies of farmers for disposing of their produce, Agri Clinics/ Agri Business Centres, to PACS / FSS/ LAMPS, to MFIs for on lending) Sub Total Total Agriculture II Micro, Small and Medium Enterprises i MSME Working capital ii MSME Investment credit Total MSME III Export IV Education V Housing VI Renewable Energy VII Others ( to SHGs/ JLGs, loans to distressed persons to prepay noninstitutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) VIII Social Infrastructure involving bank credit Total Priority Sector credit dispensed at port centre 4

5 District Profile Nalgonda district comes under Southern Telangana Agro Climatic Zone with a semi-arid to arid climate. The district is bounded by Krishna and Khammam districts on the East, Hyderabad, Rangareddy and Mahabubnagar districts on the west, Medak and Warangal districts on the north and river Krishna and Guntur on the south. The Nagarjuna Sagar Project is the major irrigation project across river Krishna in the district. Socio-Economic Indicators: The Gross State Domestic Product (GSDP) of Telangana State is `,06,47 crore while Nalgonda's Gross District Domestic Product (GDDP) is `35,145 crore for year (FRE) at constant (004-05) prices forming 17% of GSDP. The Per capita income of the state stood at `95,361 while that of district is `84,49 for the year at current prices indicative of need for accelerating economic growth. The literacy rate of the district is 64.% as against the State average of 66.46%. The sex ratio is 983 as against state average of 988. Predominant economic activities of the district: Agriculture is the predominant activity for about 70% of the population of the district. The Gross Cropped Area (GCA) of the district is 7.3 lakh ha and Net Sown Area is 5.83 lakh ha. The types of soils in the district are sandy loams (chalka), loamy sands (Dubba) soils and black soils. The principal crops in the district are paddy, cotton, red gram, green gram, maize, groundnut and chillies. The climate and soil of the district is most suitable for raising horticultural crops. All the 59 mandals in the district are covered with plantation of mango, sweet orange and acid lime, etc. There is concentration of mango in 33 mandals, sweet orange in 34 mandals and acid lime in 18 mandals. Cotton is one of the most important commercial crops grown in Nalgonda. It is principally cultivated in Kharif season. It enjoys a pride of place in the national economy as it is a major foreign exchange earner. The cotton fibre made from kapas is widely used by textile mills for manufacturing of cloth, the oil extracted from seeds is used for edible purposes, seed kernel is used for preparing protein-rich cakes and plant after removing is used as Bio-fuel. Industrial Scenario: The district is well endowed with natural resources like limestone (Huzurnagar area) and granite stone (Miryalguda area) and has 0 cement factories. Presence of coloured lime stone and granite stone have enabled setting up of number of stone cutting and polishing units. There are 39 active cotton handloom weavers co-operative societies and 7 active silk handloom weavers cooperative societies. The IKAT tie & dye variety of Pochampally handloom fabrics has been registered under Geographical indication Act and has good export potential. The district has major industrial clusters comprising of clay/cement brick cluster, cement manufacturing cluster, plastic cluster, powerloom cluster and rice mill cluster. 5

6 District Profile DISTRICT LGONDA STATE TELANGA 1. PHYSICAL & ADMINISTRATIVE FEATURES. SOIL & CLIMATE Total Geographical Area (Ha) No. of Sub Divisions 5 Agro-climatic Zone Southern Telengana Agro Climatic Zone No. of Blocks / Mandals 59 Climate Semi-Arid to Arid No. of Villages 1135 No. of Panchayats 1176 Soil Type Red sandy soils, Sandy loams & Black soils 3. 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 (-)11.9 (+)43 (-)4 Permanent Pasture and Grazing Land 6494 Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 739 [Ham] Cultivable Wasteland DISTRIBUTION OF LAND HOLDING Current Fallow Holding Area Classification of Holding Other Fallow Nos. % to Total Ha. % to Total Net Sown Area <= 1 Ha Total or Gross Cropped Area >1 to <= Ha Area Cultivated More than Once > Ha Cropping Intensity [GCA/NSA] 1.5 Total WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 31 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 6 Population Agricultural Labourers 693 Scheduled Caste Workers engaged in Household Industries 35 Scheduled Tribe Workers engaged in Allied Agro-activities 19 Literate Other workers 45 BPL 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 876 Having brick/stone/concrete houses 480 Having electricity supply 790 Rural Households 716 Having source of drinking water 646 Having independent toilets 355 BPL Households Having access to banking services 43 Having radio/tv sets VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 1119 Anganwadis 3418 Dispensaries 86 Villages having Agriculture Power Supply 1119 Primary Health Centres 7 Hospitals 16 Villages having Post Offices 713 Primary Health Sub-Centres 565 Hospital Beds 1744 Villages having Banking Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 1119 Fertiliser/Seed/Pesticide Outlets [Nos] 1644 Agriculture Pumpsets[Nos] Villages having Primary Health Centres 7 Total N/P/K Consumption [MT] Pumpsets Energised [Nos] Villages having Potable Water Supply 1049 Certified Seeds Supplied [MT] Agro Service Centres [Nos] 31 Villages connected with Paved Approach Roads 655 Pesticides Consumed [MT] 193 Soil Testing Centres [Nos] IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 8186 Plantation nurseries [Nos] 7 Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] 471 Farmers' Clubs [Nos] 151 Irrigation Potential Created Threshers/Cutters [Nos] 79 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] 16 Wholesale Market [Nos] 33 Area irrigated by Wells Length of Pucca Road [Km] 488 Godown [Nos] 189 Area irrigated by Tanks Length of Railway Line [Km] Godown Capacity[MT] Area irrigated by Other Sources 1875 Public Transport Vehicle [Nos] Cold Storage [Nos] 1 Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] 9100 Cold Store Capacity[MT] AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) 45 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) Paddy Fruit (Pulp/Juice/Fruit drink) Cotton Spices (Masala Powders/Pastes) 6 Moong Dry-fruit (Cashew/Almond/Raisins) Groundnut Cotton (Ginnining/Spinning/Weaving) Castor Milk (Chilling/Cooling/Processing) 17 Jowar Meat (Chicken/Motton/Pork/Dryfish) 3 Maize Animal feed (Cattle/Poultry/Fishmeal) Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India). 17. ANIMAL POPULATION AS PER CENSUS 01 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos]/ RLUs 13/18/141 Animal Markets [Nos] 11 Cattle - Cross bred Disease Diagnostic Centres [Nos] Milk Collection Centres [Nos] 616 Cattle - Indigenous Artificial Insemination Centers [Nos] 534 Fishermen Societies [Nos] 366 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] 34 Poultry hatcheries [Nos] Goat 534 Improved Fodder Farms [Nos] Slaughter houses [Nos] 7 Pig - Cross bred 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY 5 Pig - Indigenous Fish Production [MT] Per cap avail. [gm/day] Horse/Donkey/Camel Egg Production [Lakh Nos] Per cap avail. [nos/p.a.] 10 Poultry - Cross bred Milk Production ['000 MT] 605 Per cap avail. [gm/day] Poultry - Indigenous Meat Production [MT] 6838 Per cap avail. [gm/day] Sources (if not mentioned against the respective item): Agriculture: Agriculture Dept Irrigation, Crop-Area, Production, yield : Statistical Handbook 0 15 &DES Land Utilisation: CPO, Infrastructure for allied: AH Dept 6

7 District - Banking Profile Nalgonda Telangana Lead Bank - State Bank of Hyderabad 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 5 1 All Agencies No. of accounts of Deposit [Rs.lakhs] 31 Mar Mar Mar 15 Growth(%) Share(%) 31 Mar Mar Mar 15 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies No. of accounts of Loan [Rs. lakhs] 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 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 Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies Broad Sector No. of Banks/Soc. Priority Sector Target Target 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS [Rs. '000] 1. NETWORK & OUTREACH (As on 31/03/015) [%] No. of Branches No. of non-formal agencies assoiated Per Branch Outreach. DEPOSITS OUTSTANDING 3. LOANS & ADVANCES OUTSTANDING 4. CD-RATIO 5. PERFORMANCE UNDER FINCIAL INCLUSION (No. of A/cs) 6. PERFORMANCE TO FULFILL TIOL GOALS (As on 31/03/015) to Agr. Sector to Weaker Sections under DRI Scheme to Women Target [Rs. '000] [%] 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Target [Rs. '000] [%] Average Ach[%] in Target Target [Rs. '000] [%] [Rs. '000] [%] [Rs. '000] [%] last 3 years Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector Average Ach[%] in last 3 years Source : Lead Bank All disbursement fig as per ACP and SLBC Comprehensive Return 9