PLP Hailakandi District EXECUTIVE SUMMARY

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1 EXECUTIVE SUMMARY PLP An assessment of exploitable credit potential of Hailakandi district for the year has been made taking into consideration the development and status of infrastructure existing and planned under various sectors of the economy pertaining to the above period and in consultation with Banks, Government Line Departments, NGOs, Voluntary Organisations and other stake holders and based on the projections envisaged in the Base Potential Linked Credit Plan prepared for the five year period to The theme of the Potential Linked Credit Plan for the year Accelerating the pace of capital formation in agriculture and allied sector is also taken into consideration while arriving at the credit potentials. Agriculture is the predominant economic activity of Hailakandi district and more than 75% of the population earn their livelihood based on Agriculture sector and related activities. There are more than 830 farmers in the district practising agriculture in a net sown area of around ha. Paddy is the predominant crop cultivated and covers around 65.% of the grossed cropped area of around ha. Of late, farmers are turning to Dairy and fishery sectors as add-on activities. The ground level credit flow decreased by 38 percent in the year from the previous year and then increased by 48 percent in the year and stood at ` lakh. The revised potential linked credit plan projection for Hailakandi district has been arrived at ` lakh for the year The share of Primary, Secondary and Tertiary Sectors is in the order of 65, 4 and 2 percent respectively of the total projections envisaged. The term loan projection is 35% of the total agriculture and allied sector projection.. Crop production, maintenance and marketing The estimated credit potential during for this sector is arrived at ` lakh. Major action points for furthering the development in this sector include: Steps to be taken to provide hassle free credit to farmers, especially small and marginal farmers and landless labourers for cultivating short term crops. Group farming through Joint Liability Group mode, especially for rice, may be encouraged. Agriculture Department may upgrade and expand rabi vegetable cultivation with hybrid varieties and organic methods. Establishment of more market and trading infrastructure centres with adequate storage facilities close to production areas, similar to centres at Katlicherra and Jamira, to be encouraged. 2. Water Resources The estimated credit potential during for this sector is arrived at `.53 lakh. Major action points for furthering the development in this sector include: Efforts to be taken for tapping potential for surface water irrigation in Hailakandi through more LLPs, electric motors and flow irrigation methods. Banks may extend financial assistance to needy eligible farmers for installation of LLPs. Infrastructure to improve power supply availability for irrigation pump sets to be ensured. State Government may address irrigation infrastructure that need to be created to harvest the irrigation potential available in the district. 3. Farm Mechanisation The estimated credit potential during for this sector is arrived at ` lakh. Major action points for furthering the development in this sector include: Banks can encourage financing for Farm Mechanisation activities through JLG mode as demands are expected from a large number of small and micro farmers. Banks may provide finance to set up agro service centres to maintain farm machinery and implements. Usage of suitable mechanical equipments for various agricultural activities to increase productivity and lesser drudgery to be promoted. Strengthening of the sales and services infrastructure for farm machinery to be addressed.

2 PLP Plantation and Horticulture Keeping in view the theme for PLP for accelerating the pace of capital formation, the estimated credit potential for this sector is arrived at ` lakh. Major action points for furthering the development in this sector include: Concerted efforts are required to explore activities in the P&H sector for financing and thereby improve capital formation in agriculture, which is necessary to improve the productivity in the sector. Ensure availability of adequate quantity of quality horticulture saplings in the district. Mission for Integrated Development of Horticulture is to be popularised for the holistic growth of the horticulture sector covering fruits, vegetables, root & tuber crops, mushrooms, spices, flowers, aromatic plants, coconut, cashew and bamboo. 5. Animal Husbandry and fisheries The estimated credit potential for Animal Husbandry Sector during is arrived at ` lakh. In respect of Fisheries Sector, the potential has been arrived at ` lakh, Major action points for furthering the development in these sectors include: Promotion & publicity of Dairy Entrepreneurship Development Scheme of the GoI to be ensured for the development of this sector. Promotion of setting up of veterinary clinics by unemployed veterinarians to be encouraged. Animal Husbandry and Veterinary Departments may impart more training programmes on scientific rearing of goats and pigs, which will result in setting up of new ventures in this sector. Banks may consider issuing Kisan Credit Cards to fish farmers for meeting the recurring expenditure required for fish farming. 6. MSME & OPS sector The estimated credit potential for Secondary Sector and Tertiary Sector has been arrived at ` lakh and ` lakh respectively. Major action points for furthering the development in this sector include: Publicity to be given to GoA Industrial Policy 2009 and GoI North East Industrial Promotion Policy highlighting the package of incentives and other concessions provided for development of SME sector. Efforts towards supply of uninterrupted power supply, provision of good road network in the industrial areas, motivation of youth to take up new ventures, etc. are to be undertaken to develop the MSME and Other Priority sector. Efforts for establishing a RSETI in the district may be taken up vigorously. Encouragement to be given for availing educational loans and housing loans from banks. Under Area Based Scheme, Composite Fish Culture has been identified for development of the district. The focus would be to give thrust to the identified activity by enhancing term loan disbursements through a banking plan. Service Area Monitoring and Information System (SAMIS) are yet to be stabilized in. It was reported that most of the bank branches are not regular in submitting LB Returns and the branches, which had submitted the Returns, did not submit it complete in all respects. In absence of sub-sector wise details of data, no fruitful analysis of ground level disbursement could be attempted. The above bankable potential under various activities can be achieved only with the coordinated efforts of all stake holders including Government Departments, Banks, NGOs, Voluntary Agencies, ASRLM, Farmers Clubs, SHGs, etc. Achievement of targets set under District Credit Plans, prepared on the basis of Potential Linked Credit Plan, for priority sector lending on various activities is only possible with the involvement and support of all stakeholders, which will pave the way for inclusive growth in the district. 2

3 PLP Broad Sector wise PLP Projections District : HAILAKANDI Sr. No. A Farm Credit Particulars State : Assam (` lakh) PLP Projections i Crop Production, Maintenance, 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 6.82 VII Others VIII Social Infrastructure Total Priority Sector (I to VIII) SUMMARY OF SECTOR / SUB-SECTOR WISE PLP PROJECTIONS

4 PLP District : HAILAKANDI State : Assam Sr. No. Particulars (` lakh) PLP Projections I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance, Marketing ii Water Resources.53 iii Farm Mechanization iv Plantation & Horticulture v Forestry and Wasteland Development 50.2 vi Animal Husbandry - Dairy vii Animal Husbandry - Poultry viii Animal Husbandry -Sheep/Goat/Piggery ix Fishery x Others 42.6 Sub Total B Agriculture Infrastructure i Storage Facilities ii Land Development, Soil Conservation, Watershed Development 7.38 iii Others 3.92 Sub Total C Ancillary Activities i Agro & Food Processing Sector ii Others Sub Total D Total Agriculture II Micro, Small and Medium Enterprises MSME - Term Loan MSME - Working Capital Total MSME III Export Credit IV Education V Housing VI Renewable Energy 6.82 VII Others VIII Social Infrastructure Total Priority Sector

5 5 PLP 206-7

6 District Profile PLP District - HAILAKANDI State - ASSAM Division - BARAK VALLEY & HILLS. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 327 No. of Sub Divisions Agro-climatic Zone Barak Valley Zone No. of Blocks 5 Climate Hot & Humid No. of Villages (Inhabited) 330 No. of Panchayats (GP & AP) 67 Soil Type Alluvial 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported Forest Land Area Not Available for Cultivation Normal Actual Rainfall [in mm] Variation from Normal 0% (-) 58.2% 4.8% Permanent Pasture and Grazing Land 932 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree groves 376 Water [Ham] Cultivable Wasteland DISTRIBUTION OF LAND HOLDING Current Fallow Other Fallow Net Sown Area Total or Gross Cropped Area Area Cultivated More than Once 40 Holding Area Classification of Holding 58 Nos. % to Total Ha. % to Total <= Ha(SF/MF) > to <=2 Ha >2 Ha Cropping Inensity [GCA/NSA] 54 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 83 Category Total Male Female Rural Urban 58 Population Scheduled Caste Scheduled Tribe Literate BPL 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 43 Having brick/stone/concrete houses Having electricity supply Rural Households 33 Having source of drinking water 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 242 Anganwadis Dispensaries 6 Villages having Agriculture Power Supply Primary Health Centres 2 Hospitals Villages having Post Offices 00 Primary Health Sub-Centres 05 Hospital Beds 208 Villages having Banking Facilities 2. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools Fertiliser/Seed/Pesticide Outlets [Nos] 93 Agriculture Pumpsets[Nos] 500 Villages having Primary Health Centres Total N/P/K Consumption [MT] 2552 Pumpsets Energised [Nos] Villages having Potable Water Supply 30 Certified Seeds Supplied [MT] Agro Service Centres [Nos] Villages connected with Paved Approach Roads 77 Pesticides Consumed [MT] Soil Testing Centres [Nos] 3. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 53 Plantation nurseries [Nos] Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] 427 Farmers' Clubs [Nos] 3 Krishi Vigyan Irrigation Potential Created 5689 Threshers/Cutters [Nos] Kendras[Nos] Net Irrigated Area(Total area irrigated at least once) INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 977 Rural/Urban Mandi/Haat [Nos] 26 Wholesale Market [Nos] Area irrigated by Wells Length of Pucca Road [Km] 299 Godown [Nos] Area irrigated by Tanks Length of Railway Line [Km] Godown Capacity[MT] Area irrigated by Other Sources Public Transport Vehicle [Nos] 574 Cold Storage [Nos] Irrigation Potential Utilized (Gross Irrigated Area) 023 Goods Transport Vehicle [Nos] 264 Cold Store Capacity[MT] AGRO-PROCESSING UNITS 6. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity 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) No of units Cap.[MT] Crop 5 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) Rice Rape & Mustard Gram Vegetables Potato Arecanut Pineapple Animal feed (Cattle/Poultry/Fishmeal) 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 Avg. Yield [Kg/Ha] Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 0 Animal Markets [Nos] Cattle - Cross bred Disease Diagnostic Centres [Nos] 2 Milk Collection Centres [Nos] Cattle - Indigenous Artificial Insemination Centers [Nos] 22 Fishermen Societies [Nos] 9 Buffaloes Animal Breeding Farms [Nos] Fish seed farms [Nos] 39 Sheep - Cross bred 0 Animal Husbandry Tng Centres [Nos] Fish Markets [Nos] 4 Sheep - Indigenous 8 7 Dairy Cooperative Societies [Nos] 5 Poultry hatcheries [Nos] 5 Goat Improved Fodder Farms [Nos] Slaughter houses [Nos] Pig - Cross bred MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous Fish Production [MT] Per cap avail. [gm/day] 43 Horse/Donkey/Camel 28 Egg Production [Lakh Nos] Per cap avail. [nos/p.a.] 22 Poultry - Cross bred Milk Production ['Lakh Litre] 7.32 Per cap avail. [gm/day] 49 Poultry - Indigenous Meat Production [MT] Per cap avail. [gm/day] 0.2 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 Production Resources; of Milk Item in No. Million 8 - BPL Litres Sources (if not mentioned against the 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 - Dir. of Animal Hus./Dir. respective item): of Eco. & Stat. 6

7 PLP District - HAILAKANDI State - ASSAM Lead Bank - United Bank of India Total Rural Semi-urban Urban mfis/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Banks Regional Rural Bank State 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 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 Regional Rural Bank Cooperative Banks Others -- All Agencies CD-RATIO 5. PERFORMANCE UNDER FINCIAL INCLUSION (No. of A/cs) CD Ratio During Cumulative 3-Mar-3 3-Mar-4 3-Mar-5 Deposit Credit Deposit Credit Commercial Banks Commercial Banks Regional Rural Bank Regional Rural Bank Cooperative Banks Cooperative Banks Others Others All Agencies All Agencies 6. PERFORMANCE TO FULFILL TIOL GOALS (As on 3/03/205) No. of Banks/Soc. Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Broad Sector Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector RECOVERY POSITION Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies Sources : Lead Bank & DCC/DLRC Data Banking Profile. NETWORK & OUTREACH 3 March 205 No. of Branches No. of non-formal agencies associated Per Branch Outreach No. of accounts No. of accounts of Deposit of Loan Priority Sector to Agr. Sector to Weaker Sections under DRI Scheme to Women Demand Average Ach in last 3 years Average Ach in last 3 years Average Demand Demand Rec. in last 3 years 7