EXECUTIVE SUMMARY. 1. Introduction

Transcription

1 EXECUTIVE SUMMARY. Introduction Potential Linked Credit Plan (PLP) was prepared for a period of five years i.e to in co-terminus with the XII Five Year Plan Period. However, keeping in view the past credit flow trends, revision of scale of finance, change in unit costs of various investment activities, change in priority sector guidelines by RBI and the theme for this year i.e. Accelerating the pace of capital formation in agriculture and allied sector, the projections made in base PLP for the year needed a revision. As per recent RBI guidelines, agriculture credit should increase under investment credit so that capital formation in agriculture sector can take place. Taking into account the above factors, the total projections of revised PLP for the year have been estimated at ` lakh inclusive of ` lakh for Crop Loan, ` lakh for Term Loan for agriculture allied, agriculture infrastructure and agriculture ancillary activities, ` lakh for Micro, Small and Medium Enterprises, ` lakh for Export Credit, ` lakh for Education, ` lakh for Housing, ` lakh for Renewable Energy, ` lakh for (SHG/JLG/Small ) and ` lakh for Social Infrastructure involving bank credit which forms 37.8 % increase over PLP projections. The high level of increase is attributed due to inclusion of Medium Enterprises of MSME, Export Credit and Social Infrastructure sectors under Priority Sector Advances. Potential Linked Credit Plan (PLP) is a comprehensive document of the potentials of the district for rural economic activities, both in physical and financial terms. This document envisages the estimation of long-term potential of the district in each sector of agriculture and rural development with reference to the natural and human resource endowments. PLP has become a reliable reference document for the district to be used by various stake holders of agriculture & rural development. Socio- Economic Status of the District is a small Union Territory spread over of area of 4 sq.km with 0 block and 2 inhabited villages. The Union Territory of has a limited area under agriculture with net sown area of 3 h.a and gross cropped area of 727 ha with cropping intensity of about 55%. The maximum land in UT is under urban category (69.6%), area under reserved forests %, industrial area 5% and 5% under rural zones. Major crops grown are wheat, maize, paddy and fodder. In addition, vegetables mainly potato and onion are also grown. Supply of irrigation water from deep bore tube wells is ensured by administration and shallow tube wells installed by individual farmers. The irrigation from deep bore wells to the agricultural fields is being provided through underground pipeline with no wastage of irrigation water. Banking & Other Infrastructure Lead bank of the UT : Punjab National Bank UT has 27 Public sector banks with 4 rural and 254 urban branches total being 268. There are 5 private sector banks with no rural branch and 87 urban branches. The UT has 3 foreign banks with 3 branches

2 There are Three state level co-operative banks viz State cooperative Banks (5 Branches), Punjab State cooperative Bank (8 Branches), and Haryana State Co-operative Banks(9 Branches). One District level Ropar Central Cooperative Bank with one branch. The Credit-Deposit(CD) Ratio is 97.63% The Deposit Growth of all agencies is.6% Department of Agriculture, Horticulture, Dairy, Poultry, Animal Husbandry, Fisheries, etc. are providing extension services to the farmers. 4. Thrust Areas for Credit Planning & Projections Distinction of crop loan and loan to agriculture allied sectors has been done away with. Henceforth these components have been termed as Farm Credit. To boost investment credit in the district in order to make contribution in capital formation in agriculture sector, besides emphasis on water resources, farm mechanisation, plantation/horticulture, dairy, poultry, sheep/goat/piggery, fisheries etc., Agriculture infrastructure and Ancillary activities i.e. Food and Agro processing Activities have been included in Agriculture Credit. Under Industrial Infrastructure Upgradation Scheme, which aims at setting up Common Facility Centre (CFC) for foundry and machinery and to serve as a service provider for the foundry and machine tool industry to produce high value added products, enhance productivity and meet international requirements of high value products, will facilitate in picking up of MSME sector. As per new RBI guidelines on Priority Sector, Medium Enterprises have also been included under priority sector lending. Apart from providing thrust on Education, Housing, Renewable Energy, Export Credit and Credit for Social Infrastructure has also been added to the priority sector activities and potentials have been estimated separately for these sub sectors. Other thrust areas during will include SHG/JLG financing, post-harvest infrastructure, food processing, Farmers Producers Organisations, Area Development Schemes etc.

3 BROAD SECTOR-WISE PLP PROJECTIONS Sr. No. Particulars PLP Projections (`. lakh) A Farm Credit (i) Crop Production, Maintenance and Marketing (ii) Term Loan 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 Enterprises III Export Credit IV Education V Housing VI Renewable Energy VII VIII Social Infrastructure involving bank credit TOTAL PRIORITY SECTOR (I to VIII) Disclaimer : The GLC reported in PLP projections does not cover Jewel loans.

4 Summary of Sector/Sub-sector wise PLP Projections Sr. No. Particulars PLP Projections (` lakh) I A Credit Potential for Agriculture 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 etc (ix) Fisheries (x) Bullock, Bullock cart etc Sub total B Agriculture Infrastructure (i) Construction of Storage facilities (ii) Land Development, Soil Conservation, Watershed Development (iii) Sub Total C Ancillary Activities (i) Food and Agro Processing (ii) Sub Total TOTAL AGRICULTURE II Micro, Small and Medium Enterprises

5 (i) MSME Investment Credit (ii) MSME Working Capital TOTAL MSME III Export Credit IV Education V Housing VI Renewable Energy VII VIII Social Infrastructure involving Bank Credit TOTAL PRIORITY SECTOR

6 District Profile District - State - UT - Division 0. 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 Rainfall [in mm] Normal Actual mm Variation from Normal Availability of Ground Water [Ham] Net annual recharge Net annual draft Balance Current Fallow 28 Classification of Holding Holding Area 50 Nos. % to Total Ha. % to Total 3 <= Ha > to <=2 Ha >2 Ha Total Category Total Male Female Rural Urban 687 Population Scheduled Caste Scheduled Tribe 3048 Literate BPL Total Households 24 Having brick/stone/concrete houses Having electricity supply Rural Households 7 Having source of drinking water 33 Having independent toilets BPL Households (%) 2 Having access to banking services 207 Having radio/tv sets Villages Electrified 2 Anganwadis 500 Dispensaries 48 Villages having Agriculture Power Supply 2 Primary Health Centres 7 Hospitals 5 Villages having Post Offices 2 Primary Health Sub-Centres Hospital Beds 378 Villages having Banking Facilities 2 2. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 2 Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos] Villages having Primary Health Centres 2 Total N/P/K Consumption [MT] 45 Pumpsets Energised [Nos] Villages having Potable Water Supply 2 Certified Seeds Supplied [MT] Agro Service Centres [Nos] Villages connected with Paved Approach Roads 2 Pesticides Consumed [MT] 0 Soil Testing Centres [Nos] 3. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 30 Plantation nurseries [Nos] 2 9 Power Tillers [Nos] 56 Farmers' Clubs [Nos] 4 Irrigation Potential Created 9 Threshers/Cutters [Nos] 2027 Krishi Vigyan Kendras[Nos] 9 Area irrigated by Canals / Channels Rural/Urban Mandi/Haat [Nos] 5 Wholesale Market [Nos] 2 Area irrigated by Wells 9 Length of Pucca Road [Km] 299 Godown [Nos] 0 Area irrigated by Tanks Length of Railway Line [Km] 8 Godown Capacity[MT] Area irrigated by Other Sources Public Transport Vehicle [Nos] 3342 Cold Storage [Nos] 0 Irrigation Potential Utilized (Gross Irrigated Area) 99 Goods Transport Vehicle [Nos] 8 Cold Store Capacity[MT] 0 Avg. Yield Type of Processing Activity No of units Cap.[MT] Crop [Kg/Ha] Yield(Kg/ Food (Rice/Flour/Dal/Oil/Tea/Coffee) Kharif Area (Ha) Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) Ha) Sugarcane (Gur/Khandsari/Sugar) Paddy Maize Rabi Wheat Njl Vegetables Njl 7. ANIMAL POPULATION AS PER CENSUS 2007 [in Nos] 8. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Veterinary Hospitals/Dispensaries Category of animal Total Male Female 5 Animal Markets [Nos] [Nos] Cattle - Cross bred Disease Diagnostic Centres [Nos] 6 Milk Collection Centres [Nos] Cattle - Indigenous Artificial Insemination Centers [Nos] 0 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 54 Dairy Cooperative Societies [Nos] Poultry hatcheries [Nos] Goat Improved Fodder Farms [Nos] Slaughter houses [Nos] Pig - Cross bred 56 Agro-climatic Zone Indo Gangetic Plain Climate Dry Weather,hot summer & sub tropical monsoon Soil - Kandi in the North East, Sirowal (Tarai), Alluvial in remaining parts 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 Other Fallow Net Sown Area Total or Gross Cropped Area Area Cultivated More than Once Cropping Inensity [GCA/NSA] Of the above, Small/Marginal Farmers Agricultural Labourers 5. DISTRIBUTION OF LAND HOLDING 6. WORKERS PROFILE [Nos] 7. DEMOGRAPHIC PROFILE [in [20 census] Cultivators Workers engaged in Household Industries Workers engaged in Allied Agro-activities Other workers 8. HOUSEHOLDS [in 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] 0. VILLAGE-LEVEL INFRASTRUCTURE [Nos] [Nos] Total Area Available for Irrigation (NIA + Fallow) Net Irrigated Area(Total area irrigated at least once) 4. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING 5. AGRO-PROCESSING UNITS 6. AREA, PRODUCTION & YIELD OF MAJOR CROPS 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) Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(77.8 kg per bale in India) 9. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 25 Fish Production [MT] 3 Per cap avail. [gm/day] Horse/Donkey/Camel 445 Egg Production [Lakh Nos] 282 Per cap avail. [nos/p.a.] 80 Poultry - Cross bred* Milk Production ['000 MT] 46 Per cap avail. [gm/day] 400* Poultry - Indigenous* Meat Production [MT] 0.34lakh Per cap avail. [gm/day] Sources: 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 *inclusive of Verka, Vita unautorise gwalas

7 Banking Profile District - State - Union Territory Lead Bank Punjab National Bank No. of Banks/Soc. Total Rural Semi-urban Urban mfis/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Banks District Central Coop. Bank Coop. Agr. & Rural Dev. Bank Primary Agr. Coop. Society (SCBs) All Agencies Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) Commercial Banks Cooperative Banks All Agencies Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) Commercial Banks Cooperative Banks All Agencies Mar-3 3-Mar-4 3-Mar-5 Deposit Credit Deposit Credit Commercial Banks Commercial Banks Cooperative Banks Cooperative Banks All Agencies All Agencies [`. [` [`. [`. Commercial Banks Cooperative Banks NETWORK & OUTREACH (As on 3/03/204) No. of Branches No. of non-formal agencies assoiated Per Branch Outreach No. of accounts 3. LOANS & ADVANCES OUTSTANDING No. of accounts 2. DEPOSITS OUTSTANDING of Deposit [` of Loan [`. 4. CD-RATIO 5. PERFORMANCE UNDER FINCIAL INCLUSION (No. of A/cs) CD Ratio Priority Sector All Agencies PERFORMANCE TO FULFILL TIOL GOALS (As on 3/03/205) to Agr. Sector to Weaker Sections 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS During 20-2 under DRI Scheme [`. Cumulative to Women [` Average Ach in last 3 years [` [` [` [` [` Commercial Banks Cooperative Banks All Agencies Broad Sector [` [` [` [` [` [` Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector Demand [` [` Demand [` [` Demand [` [` Commercial Banks Cooperative Banks All Agencies Sources : Lead Bank & UTLBC 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS RECOVERY POSITION Average Ach in last 3 years Average Rec. in last 3 years