Dakshina Kannada PLP

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1 EXECUTIVE SUMMARY 1. District characteristics Dakshina Kannada district, known as the cradle of banking, is one of the three coastal districts in Karnataka. The total geographical area of the district is 4,861 sq. kms. of which 27% is covered by forests. Soils are mainly lateritic and acidic in nature. The Gross Cropped Area (GCA) is 1.59 lakh ha. The Net sown Area (NCA) is 1.31 lakh ha. and forms 27% of the geographical area of 4.77 lakh ha. Small and marginal land holdings account for more than 90% of total land holdings and 61% of the cultivated land. Paddy is grown nearly in one-thirds of the GCA. The other major crops are Coconut (16,296 ha), Arecanut (28,232 ha), Cashew (31,288 ha), Rubber (10,838 ha),etc. Fisheries is another major activity. Agro processing and fish processing are also taken up on a large scale. There are more than 11,000 enterprises in the district providing employment to nearly 44,000 persons. Certain large industrial units like MRPL, MCF, KIOCL, Ultratech Cement, Hindustan Unilever Ltd., etc. are present and employ nearly 10,000 persons. Large IT companies like Infosys have also set up their offices in the IT park at Deralekatte. Beedi rolling is a dominant household activity among women in rural areas. The district has a sea and airport and is well connected to other parts of the State by road. The district is an education hub and also known for religious tourism. Medical facilities available in the district are state of the art. Mangalore, the district headquarters, has been shortlisted in the first list of Smart Cities by the Government of India, recently. 2. Sectoral trends in credit flow: While the banks were able to achieve the ACP targets during , they could not achieve the targets during & The disbursements under Priority Sector during , & stood at ` crore, `3, crore & `5, crore respectively. The CD ratio in the district which was 52.40% as on has been witnessing an increasing trend during the last two years. It stood at 53.64% & 56.47% as on and respectively. 3. Sector/sub-sector wise PLP projections for : The exploitable potential for was estimated at `6,24, lakh in the base PLP which has been revised to `9,03, lakh. The realization of potential would depends on the removal of various constraints and developing critical infrastructure. 4 Major constraints Lack of extension services in both agriculture and horticulture sectors, absence of last mile connectivity for access to market by farmers, absence of assured irrigation, inadequate storage facilities like godowns and cold storages, erratic power supply are some of the major constraints faced in the district. Inability of the farmers to access credit from formal financial institutions for cultivating in leased lands without affecting the rights of the owner of the land is another major hurdle which needs to be addressed. 5 Action points/issues to be addressed State Government a. Implementing the Paschima Vahini project on a mission on a priority basis b. Building last mile road and bridge infrastructure c. Creating model horticulture farm and encouraging innovative/hi-tech/export oriented projects. d. Setting up of a disease diagnostic laboratories and training on dairy/poultry activities. e. Early operationalisation of industrial areas identified in Canara Industrial Area. f. Ensure regular & assured power supply and promote use of solar solar roof-tops. g. Recognition to landless cultivators to access farm credit from banks/cooperative institutions Banks a. Adopt alternative modes of lending, including JLGs mode, to boost economic activity in the district. b. Focus on financing activities like land development, irrigation structures, farm mechanization, artificial water recharge structures, new godowns and renovation of existing old godowns to facilitate accreditation and also provide loans to farmers on the strength of Negotiable Warehouse Receipts. 2

2 c. Follow appropriate norms for assessing working capital requirements. 6. Thrust areas for Mainstreaming the financially excluded :The past year has seen a number of steps taken towards promoting financial inclusion in a big way viz., the Pradan Mantri Jan Dhan Yojana (PMJDY), Prime Ministers Social Security Schemes, Mudra Yojana, etc. Mainstreaming these account holders into the banking fold with these new schemes would continue to be the thrust area for Accelerating pace of capital formation in agriculture & allied sector: Banks to give thrust for agriculture term loans to farmers which will lead to capital formation in agriculture. 6.3 Promotion of JLGs : Banks need to adopt to JLG mode of lending, at least where lending to individual is not possible due to land title/security related issues and also to finance JLGs of fisherwomen. 6.4 De-risking farm income : Given the uncertainties in yield due to vagaries of nature, there is a need to de-risk the farm incomes. Banks may explore financing mini-dairy units/poultry (broiler) units in a big way. 6.5 Area Development Plan (ADP): Cocoa cultivation in Puttur and Sullia taluks is identified by NABARD for further development during NABARD & Department of Horticulture have promoted a number of FPOs/crop specific clusters in all the taluks. The new organizations are expected to have a demonstrative effect in other parts of the district. Bankers, on their own are encouraged to adopt such models and extend cluster based financing to farmers. 7. The way forward : The projections made in the PLP for call for coordinated approach by all stakeholders viz., Banks, Government departments, extension agencies, etc, which in turn is expected to enhance capital formation in agriculture. Banks are required to ensure timely reporting of credit flow data to the Lead Bank for meaningful review in DCC/DLRC meetings and ensuring timely corrective action. Broad Sector wise PLP projections Sr.No Particulars PLP Projections 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 Others VIII Social Infrastructure involving bank credit Total Priority Sector (I to VIII)

3 Summary of Sector/Sub-sector wise PLP projections Sr.No. Particulars PLP Projections I Credit Potential for Agriculture A Farm Credit i. Crop Production, Maintenance and Marketing 1,97, ii. Water Resources 28, iii Farm Mechanisation 16, iv Plantation/Horticulture/Sericulture 35, v Forestry & Wasteland Development vi Animal Husbandry - Dairy 26, vii Animal Husbandry - Poultry 2, viii Animal Husbandry - Sheep,Goat & Piggery 3, ix Fisheries 30, x Others Sub-total 3,41, B Agriculture Infrastructure i Construction of storage facilities (warehouses, market yards, godowns, silos, cold storage units/ cold storage units) 4, ii Land development, soil conservation, watershed development 21, iii Others (Tissue culture, agri bio-technology, seed production, bio 6, pesticides/fertilisers, vermi composting) C Sub-total 32, Ancillary Activities i Food and Agro Processing ii II Others ( to Cooperative societies of farmers for disposing of 6, their produce, agri clinics/agri business centres, loans to PACS/FSS/LAMPS, loans to MFIs for on lending) Sub-total 43, Total Agriculture 4,17, Micro, Small and Medium Enterprises i MSME, Working Capital 64,

4 Sr.No. Particulars PLP Projections ii MSME - Investment Credit 19, Total MSME 84, III Export Credit 34, IV Education 75, V Housing 1,44, VI Renewable Energy VII Others ( to SHGs/JLGs, to distressed persons to prepay 1,29, institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) VIII Social infrastructure involving bank credit 3, Total Priority Sector 9,03,

5 Dakshina Kannada District Profile 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 4861 Agro-climatic Zone Western Plains and Ghat- Coastal Midland(Zone-12) No. of Sub Divisions 19 Climate Dry Sub Humid and Per Humid No. of Blocks 5 Soil Type Laterite, red loamy, coastal Alluvium No. of Villages (Inhabited) 354 No. of Panchayats LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported Rainfall [mm] Normal Actual Forest Land Area Not Available for Cultivation Variation from Normal Permanent Pasture and Grazing Land Avail. Of Net annual Net annual draft Balance Land under Misc. Tree Crops Cultivable Wasteland DISTRIBUTION OF LAND HOLDING Current Fallow 6168 Classification Holding Area Other Fallow 5512 Nos. % to Total Ha. % to Total Net Sown Area <= 1 Ha Total or Gross Cropped Area >1 to <=2 Ha Area Cultivated More than Once >2 Ha Cropping Intensity [GCA/NSA] 121.3% Total WORKERS PROFILE Census 7. DEMOGRAPHIC PROFILE [in '000]-2011 census Cultivators Category Total Male Female Rural Urban Of above, Small/Marg. Farmers NA Population Agricultural Labourers Sch. Caste Workers in Household Industries Sch. Tribe Workers in Allied Agro-activities NA Literate Other workers HOUSEHOLDS (2011 census) 9. HOUSEHOLD AMENITIES (2011 census) Total Households Having brick/stone roofs Having electricity supply Rural Households Having drinking water source Having indep. toilets BPL Households Access to banking services Having radio/tv sets VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 354 Anganwadis 2102 Dispensaries 79 Villages having Agriculture Power Supply 354 Primary Health Centre 65 Hospitals 196 Villages having Post Offices 354 Prim. Health Sub Cent 7 Hospital Beds Villages having Banking Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 352 Fertiliser/Seed Outlets [Nos] 235 Agriculture Pumpsets[Nos] Villages having Primary Health Centres 64 Total N/P/K Consumption Pumpsets Energised [Nos] Villages having Potable Water Supply 354 [MT] Certified Seeds Supplied [MT] 2.8 Agro Service Centres [Nos] NA Villages connected with Paved Approach 345 Pesticides Consumed [MT] NA Soil Testing Centres [Nos] 1 Roads 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 341 Plantation nurseries [Nos] 9 Total Area Available for Irrigation (NIA Power Tillers [Nos] 335 Farmers' Clubs [Nos] 220 Fallow) Irrigation Potential Created Threshers/Cutters [Nos] Nil Krishi Vigyan Kendras[Nos] 1 6

6 Net Irrigated Area(Total area irrigated at least once) INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Wells Rural/Urban Mandi/Haat [Nos] NA Wholesale Mkt. [Nos] 13 Area irrigated by Tubewells 9718 Length of Pucca Road [Km] Godown [Nos] NA Area irrigated by LIS 129 Length of Railway Line [Km] Godown Capacity[MT] Area irrigated by Other Sources Public Transport Vehicle [Nos] Cold Storage [Nos] 11 Irrigation Potential Utilized (Gross Irrigated Goods Transport Vehicle [Nos] Cold Storages [MT] AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No Cap.[MT] Crop Avg. Food-Rice/Flour/Dal/Oil/Tea/Coffee) 1243 NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) Yield(Kg/ Ha) Sugarcane (Gur/Khandsari/Sugar) ---- NA Paddy Fruit (Pulp/Juice/Fruit drink) 180 NA Arecanut Spices (Masala Powders/Pastes) 650 NA Cashewnut Dry-fruit (Cashew/Almond/Raisins) 625 NA Rubber Cotton (Ginning/Spinning/Weaving) 170 NA Coconut (lakh nuts) Milk (Chilling/Cooling/Processing) 360 NA Banana Meat (Chicken/Mutton/Pork) 70 NA Note :Arecanut and cashewnut production figures for are in Animal feed(cattle/poultry/fishmeal) 325 NA respect of processed variety. Figures not comparable with earlier year. 17. ANIMAL POPULATION AS PER CENSUS 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES (2012 Livestock census) Category of animal Total Male Female Veterinary Hospitals/ Dispensaries 96 Animal Markets [Nos] 1 & Primary Veterinary Centres [Nos] Cattle - Cross bred['000] 140 NA NA Mobile Veterinary Clinics [Nos] 5 Milk Collection Centre 378 Cattle Indig ['000] 113 NA NA Artificial Insemination Centre [Nos] 7 [Nos] Fishermen Societies 23 Buffaloes[No] 3700 NA NA Animal Breeding Farms [Nos] 1 [Nos] Fish seed farms [Nos] 1 Sheep - Cross bred Nil NA NA Animal Husbandry Tng Centres -No 3 Fish Markets [Nos] 86 Sheep Indigenous (No) 265 NA NA Dairy Cooperative Societies [Nos] 378 Poultry hatcheries [Nos] Nil Goat (No) NA NA Improved Fodder Farms [Nos] 2 Slaughter houses [Nos] 2 Pig - Cross bred (No) Nil NA NA 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig Indigenous (No) 6463 NA NA Fish Production [MT] Per cap avail. [gm/day] 196 Rabbits 1166 NA NA Egg Production [Lakh Nos] 518 Per cap avail. [nos/p.a.] 25 Poultry - Cross bred (000) NA NA Milk Production ['000 MT] 198 Per cap avail. [gm/day] 259 Poultry - Indigenous Nil 08 NA NA Meat Production [MT] 3898 Per cap avail. [Kg/p.a.] 1.9 Sources (1) District Statistical Handbook 2014 (2) Census (3) Livestock Census 2012 (4) Perspective District Industrial Plan Dakshina Kannada district. 20. Dakshina Kannada is one of the 3 coastal districts of the state, with predominantly horticultural and industrial economy. There are 5 taluks with, 203 gram panchayats and 354 inhabited villages. Population is lakh (2011 census) with rural area accounting for 52.34%. The average population density was 430 as per 2011 census and ranks fifth in the State. It embodies a number of religious centres and educational institutions. Kannada, Tulu and Konkani are the main languages. The literacy rate of the district is 88.6% [Census 2011] making it the highest among all the districts in the State of Karnataka. 21. The total geographical area is 4,861 sq. kms., of which 27% is covered by forests. There are no medium or major irrigation projects. The topography of the district is undulating. The average altitude of 7

7 BANKING PROFILE State : Karnataka Lead Bank : Syndicate Bank Agency No. of Banks 1. NETWORK & OUTREACH (As on 31/03/2015) No. of Branches No. of non-formal agencies associated Per Branch Outreach Total Rural Semi- Urban mfis/mf SHGs/JLGs BCs/BFs Villages Household Commercial Banks Regional Rural Bank Dist.Cent.Coop. Bank PCARDB PACS Others ( KSFC) All Agencies DEPOSITS OUTSTANDING FOR THREE YEARS TO Agency No. of accounts of Deposit [` lakh] 31-Mar Mar Mar-15 Growth Share 31-Mar Mar Mar-15 Growth Commercial Banks NA NA NA Regional Rural Bank NA NA NA Dist.Cent.Coop. Bank NA NA NA Others NA NA NA All Agencies NA NA NA LOANS & ADVANCES OUTSTANDING FOR THREE YEARS TO Agency No. of accounts of Loan [`lakh] 31-Mar Mar Mar-15 Growth Share 31-Mar Mar Mar-15 Growth Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies CD-Ratio 5. Performance under Financial Inclusion Accounts Agency CD Ratio Agency During Cumulative Mar Mar Mar-15 Deposit Credit Deposit Credit Commercial Banks Commercial Banks NA NA Regional Rural Bank Regional Rural NA NA Cooperative Banks Bank Cooperative Banks NA NA Others ( KSFC) Others NA NA - - All Agencies All Agencies NA NA PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) Agency Priority Sector to Agr. Sector to Weaker Sections under DRI Scheme to Women [` lakh]] [` lakh] [` lakh]] % of Total [` lakh]] % of Total [` lakh]] % of Total % of Total Commercial Banks Regional Rural Bank Cooperative Banks Others ( KSFC) All Agencies Share Share % of Total 9

8 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS *** Agency Average Ach Ach Ach last 3 years Commercial Banks Regional Rural Bank Cooperative Banks Others ( KSFC) All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS *** Broad Sector Average Ach Ach Crop Loan Term Loan (Agr) Total Agri Non-Farm Other Priority Sector Total Priority Sector Ach last 3 years RECOVERY POSITION ++ Agency Average Rec. Demand Recovery Recovery Demand Recovery Recovery Demand Recovery Recovery in last 3 [` 000] [` 000] [` 000] [` 000] [`'000] [` 000] years Commercial Banks NA NA NA NA NA NA NA NA NA NA Regional Rural NA NA NA NA NA NA NA NA NA NA Bank Cooperative Banks NA NA NA NA NA NA NA NA NA NA Others NA NA NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA NA NA NA NA NA *** as per SLBC feedback. ++ data not available with LDMs office. 10. Performance of credit agencies: The total business of the banks was `49,954 crore. Total deposits stood at `31,927 crore as on while advances as on that date stood at `18,027 crore. The increasing trend in CD ratio at 56.47% was an encouraging trend. Banks need to step up lending to term loans which result in capital formation and increased crop loans for farm activities and working capital for MSMEs. Under the Annual Action Plan, banks were not able to achieve the DCP target of ` crore for The disbursements stood at `5, crore. While the performance under Primary Sector stood at 70.5%, the performance under Secondary sector stood at 85%. The performance under OPS stood at 95.49%. 10