PLP KURNOOL EXECUTIVE SUMMARY

Transcription

1 EXECUTIVE SUMMARY The theme of the PLP is Accelerating the pace of capital formation in agriculture and allied sector. Taking cognizance of the theme, there is a need to reassess the potential of Kurnool district in various sub-sectors within the priority sector, and how it can cater to capital formation, which is the dominant factor in determining the direction and rate of growth of aggregate rural output. Kurnool district is in the Rayalaseema region of Andhra Pradesh and spread over sq. km. with a population of 40.5 lakh. It has revenue divisions, 54 mandals, 926 villages. There are 5.51 lakh cultivators, 6.25 lakh agricultural labourers with a net sown area of 8.89 lakh ha ( ) with a cropping intensity of 115% and net irrigated area of 2.08 lakh ha. The average annual rainfall of the district is 670mm. The principal rivers of the district are Tungabhadra, Krishna and Kundru with Hundri and Hagari as tributaries of Tungabhadra. There are two major forest ranges viz. Nallamalla and Erramalla. The district has rich mineral resources viz., limestone, barryettes, yellow shale, steatite, and dolomite. Bethamcherla stone, available in abundance, is a well-known product used as tiles in construction of houses. The district is famous for its handloom fabrics viz., Gadwal Sarees, Yemmiganur bed sheets, and Parla woolen blankets. The district has several places of tourist interest and most of them are pilgrimage centers. Agriculture sector with paddy, oil seeds, jowar, maize, cotton and pulses plays a dominant role in the district s economy. Apart from above, fruits, vegetables and spices are also cultivated in significant area. Allied activities like animal husbandry especially dairy, sheep and goat rearing have good acceptance. Micro and Small Enterprise Sector (MSE) plays a pivotal role by providing employment to non-farm workers. The district also has been identified as one of the Left Wing Affected districts and implementing Women Self Help Groups Programme. The overall performance of banks under District Credit Plan during was 57% and the credit flow under priority sector was ` 2,89.22 crore as against the target of `4997 crore. As against the target of `,477.8 cr for commercial banks, the achievement is `2,18.79 cr. The achievement of credit flow under Priority Sector by RRBs and Kurnool DCCB is `77.58 cr and `22.85 cr, respectively. The achievement under crop production loans, Agricultural term loans, MSME and Other Priority Sector loans are 48%, 120%, 70% and 46%, respectively. Deficit rainfall, mounting NPAs, willful defaulters, and effect of loan waiver announcements on recovery culture, etc., may be attributed to decreased GLC in the district. Base PLP was prepared for five years ( ). The projections for the year have been revised considering the newly created infrastructure, revised unit cost, analyzing the GLC and emerging credit needs in the district. The potential for bank credit in the district is estimated at ` 796, lakh during as against `666,58 lakh during with a growth rate of 19.56%. The increase is mainly on account of incorporation of cost norms suggested in the revised unit cost, scale of finance and improvement in infrastructure. The projections are made as per the revised guidelines of RBI for priority sector. The potential for crop loans is estimated at `455,557.8 lakh for the year as compared to previous year s `410,872 lakh, envisaging a growth of 10.87%. The potential for investment credit for agriculture is estimated at `146, lakh, which is 24.4% of total investments under Agriculture & Allied activities. The potential for Micro, Small and Medium Enterprises is estimated as `85,116.7 lakh. The potential for Other Priority Sector including credit for export, education, housing, renewable energy, social infrastructure, etc., is estimated as `109,514.9 lakh. 1

2 The district has only 25% of its gross cultivated area under irrigation. The distribution and intensity of rainfall in the district is a major factor affecting the agriculture. During , the rainfall was below normal. To fully harness the potential in the district by overcoming the constraints, focus should be made on large scale promotion of efficient water management practices, effective implementation of watershed projects, use of solar energy for agricultural pump sets, promotion of farm machinery custom hiring centres, increasing the area under horticulture crops, wasteland development, improving the fodder production and Contingency Crop Planning (CCP). Considering the land holding pattern and also the problem of fragmented holdings, banks may have to promote JLGs and extend credit facility to tenant farmers/sharecroppers and marginal farmers. Credit for dairy, sheep farming and other allied activities need to be supported for supplementing income of farmers. Postharvest credit facilitation by way of pledge finance against Negotiable Warehouse Receipts and Food & Agro Processing units should be encouraged. Banks should finance projects relating to renewable sources of energy particularly for solar and wind energy projects. To augment credit flow in the district, NABARD has taken up many developmental initiatives which include implementation of 26 watershed projects, 2 tree based sustainable livelihood projects covering 1696 tribal families, one Natural Resource Management Project, etc. Other initiatives including promotion of JLGs, Negotiable Warehouse Receipts financing, and technology interventions through farmers clubs would have direct bearing on the credit flow. Further, 6 projects related to infrastructure development viz., roads & bridges, irrigation, schools/colleges, veterinary units, anganwadi centres and rural water supply, etc., are supported by NABARD in the district under RIDF. Of these, 222 projects are completed and balance 141 projects are on-going. With these projects, the critical infrastructure has been created in the district, which has direct bearing on the credit flow. Concessional refinance to banks, regular revision of unit cost of investment credit by State Level Unit Cost Committee, organizing workshops on JLG mode of financing and improving investment credit for agriculture, supporting financial literacy centres and organizing financial literacy camps, etc. by NABARD are helpful in increasing the credit flow. Further, 2 Area Development Programmes on integrated dairy and sheep rearing in watershed villages were launched. In order to address the farmers issue in a seamless manner, NABARD has constituted a Regional Advisory Group (RAG) with the key stakeholders in the state who are in a better position to give appropriate feedback for reshaping public policy towards resolving the issues of farmers. Government of Andhra Pradesh has unveiled Double Digit Growth Action Plan to achieve the status of a developed economy. The most important component in achieving double digit inclusive growth is to properly tap the financial resources available in the district. Banks have to encourage financing Farmers Producers Organisations, Joint Liability Groups and SHGs. Credit for thrust areas such as Agricultural Term, Farmers Producers Organisations, Food & Agro-processing, Renewable Energy, MSME, and Social Infrastructure should be encouraged. Better monitoring and review in JMLBC and DCC meetings and implementation of Financial Inclusion plans including better coverage of Oral Lessees, Tenant Farmers through JLGs/SHGs and Farmer Producer Organisations will facilitate in achieving the goals. 2

3 Broad Sector wise PLP projections (` lakh) Sl. No. Particulars PLP projections A Farm Credit 574, (i) Crop Production, Maintenance and Marketing 455,557.8 (ii) Term Loan for Agriculture and Allied activities 118,66.66 B Agriculture Infrastructure 11, C Ancillary activities 16,05.92 I Credit Potential for Agriculture (A+B+C) 602, II Micro, Small and Medium Enterprises 85,116.7 III Export Credit IV Education 1, V Housing 45, VI Renewable Energy VII Others 42,00.00 VIII Social Infrastructure involving bank credit 6, Total Priority Sector (I to VIII) 796,758.78

4 Sl. No. B C I A Summary of Sector/Sub-sector wise PLP projections Particulars Credit Potential for Agriculture Farm Credit (` lakh) PLP projections (i) Crop Production, Maintenance and Marketing 455,557.8 (ii) Water Resources 8, (iii) Farm Mechanization 18, (iv) Plantation and Horticulture 5, (v) Forestry and Waste Land Development (vi) Animal Husbandry Dairy Development 25, (vii) Animal Husbandry Poultry Development 5.40 (viii) Animal Husbandry Sheep, Goat and Piggery Development 10, (ix) Fisheries Development (x) Others - Bullock, Bullock cart, etc. 47, Sub Total (A) 574, Agriculture Infrastructure (i) Construction of storage facilities (Warehouses, Market yards, 4,269.2 Godowns, Silos, Cold Storage units/cold storage chains) (ii) Land Development, Soil conservation, Watershed 1,855.6 development (iii) Others (Tissue culture, Agri bio-technology, Seed production, Bio 5, pesticides/fertilizers, Vermin Composting) Sub Total (B) 11, Ancillary activities (i) Food and Agro processing 10, Others ( to Cooperative Societies of farmers for disposing of 5,25.00 (ii) their produce, Agri Clinics/Agri Business Centres, to PACS/FSS/LAMPS, to MFIs for on lending) Sub Total (C) 16,06.92 Total Agriculture (I=A+B+C) 602, II Micro, Small and Medium Enterprises (i) MSME - Working Capital 26, (ii) MSME - Investment Credit 58,251.7 Total MSME (II) 85,116.7 III Export Credit IV Education 1, V Housing 45, VI Renewable Energy VII Others ( to SHGs/JLGs, PMJDY, etc) 42,00.00 VIII Social Infrastructure involving bank credit 6, Total Priority Sector (I to VIII) 796,

5 At a Glance Total Geographic Area : sq km Gross Cropped Area : lakh ha Net irrigated area : 2.07 lakh ha % area under agri/allied : 75.17% River : Krishna, Pennar Major Crops/ Activities Production (in Million MTs.) Paddy 0.44 Onions 0.46 Vegetables 0.1 Tomato 0.7 Maize 0.26 Milk 0.08 Egg 157 lakh numbers Agricultural Research Stations Noonepalli, Nandyala Horti Research Stations, Mahananandi KVK Banaganapalli & Yemmiganur

6 District Profile District - State - ANDHRA PRADESH 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) Southern Plateau & Hills Region - Central region of Karnataka & Agro-climatic Zone No. of Sub Divisions Rayalaseema (Zone 10) No. of Blocks 1 Climate Semi Arid No. of Villages 926 No. of Panchayats 898 Soil Type Red Loamy, medium black, red sandy, coastal alluvial, laterite. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Geographical Area Normal Actual Forest Land Rainfall [in mm] Area Not Available for Cultivation Variation from Normal Permanent Pasture and Grazing Land 546 Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 1741 [Ham] Cultivable Wasteland DISTRIBUTION OF LAND HOLDING Current Fallow Holding Area Classification of Holding Other Fallow 707 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 1158 >2 Ha Cropping Inensity [GCA/NSA] % Total WORKERS PROFILE [in 7. DEMOGRAPHIC PROFILE [in Cultivators 551 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 80 Population Agricultural Labourers 625 Scheduled Caste Workers engaged in Household Industries 5 Scheduled Tribe Workers engaged in Allied Agro-activities NA Literate Other workers 458 BPL NA 8. HOUSEHOLDS [in 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 887 Having brick/stone/concrete houses 476 Having electricity supply 816 Rural Households 69 Having source of drinking water 877 Having independent toilets 285 BPL Households 126 Having access to banking services 511 Having radio/tv sets VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 897 Anganwadis 284 Dispensaries 14 Villages having Agriculture Power Supply 897 Primary Health Centres 81 Hospitals 25 Villages having Post Offices 751 Primary Health Sub-Centres 425 Hospital Beds 215 Villages having Banking Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 887 Fertiliser/Seed/Pesticide Outlets [Nos] 700/786/751 Agriculture Pumpsets[Nos] Villages having Primary Health Centres 425 Total N/P/K Consumption [MT] Pumpsets Energised [Nos] Villages having Potable Water Supply 897 Certified Seeds Supplied [MT] 7658 Agro Service Centres [Nos] 26 Villages connected with Paved Approach Roads 565 Pesticides Consumed [MT] 9 Soil Testing Centres [Nos] 1. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 2491 Plantation nurseries [Nos] 41 Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] 796 Farmers' Clubs [Nos] 98 Irrigation Potential Created Threshers/Cutters [Nos] 5664 Krishi Vigyan Kendras[Nos] 2 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] 12 Area irrigated by Wells Length of Pucca Road [Km] 5929 Godown [Nos] 157 Area irrigated by Tanks 8878 Length of Railway Line [Km] 264 Godown Capacity[MT] Area irrigated by Other Sources Public Transport Vehicle [Nos] 0 Cold Storage [Nos] 2 Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] 264 Cold Store Capacity[MT] AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) Groundnut Fruit (Pulp/Juice/Fruit drink) Bengalgram Spices (Masala Powders/Pastes) Maize Dry-fruit (Cashew/Almond/Raisins) Paddy Cotton (Ginnining/Spinning/Weaving) Onion Milk (Chilling/Cooling/Processing) 2 75 Jowar Meat (Chicken/Motton/Pork/Dryfish) Cotton 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 2012 (Nos) 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 15(102) Animal Markets [Nos] 12 Cattle - Cross bred Disease Diagnostic Centres [Nos] 1 Milk Collection Centres 1082 Cattle - Indigenous Artificial Insemination Centers [Nos] 460 Fishermen Societies [Nos] 72 Buffaloes Animal Breeding Farms [Nos] 2 Fish seed farms [Nos] Sheep - Cross bred Animal Husbandry Tng Centres [Nos] 2 Fish Markets [Nos] Sheep - Indigenous Dairy Cooperative Societies [Nos] 1 Poultry hatcheries [Nos] Goat Improved Fodder Farms [Nos] 2 Slaughter houses [Nos] 1 Pig - Cross bred MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous Fish Production [MT] 1877 Per cap avail. [gm/day] 14 Horse/Donkey/Camel Egg Production [Lakh Nos] 1250 Per cap avail. [nos/p.a.] 1 Poultry - Cross bred NA NA NA Milk Production ['000 MT] 705 Per cap avail. [gm/day] 174 Poultry - Indigenous NA NA Meat Production ['000MT] 49 Per cap avail. [gm/day] 1 Gross Domestic Product Item Nos. 1, 6, 7, & 9 - Census 2011; Item Nos. 2,, 5,10,11, 12, 1, 14, &15 -Hand Book of Statistics, Kurnool District,2011; Item No. 4 &16- Dept. of Sources Agr./Water Resources; Item No. 8 - BPL Survey 2002; Item No AH Census 2012; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat. 6

7 District - State - ANDHRA PRADESH Lead Bank - SYNDICATE BANK Total Rural Semi-urban Urban mfis/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Banks NA NA Regional Rural Bank NA NA District Central Coop. Bank NA NA Coop. Agr. & Rural Dev. Bank Primary Agr. Coop. Society 95 NA NA Others NA NA All Agencies NA NA 2. DEPOSITS OUTSTANDING 1-Mar-1 1-Mar-14 1-Mar-15 Growth(%) Share(%) 1-Mar-1 1-Mar-14 1-Mar-15 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies LOANS & ADVANCES OUTSTANDING 1-Mar-1 1-Mar-14 1-Mar-15 Growth(%) Share(%) 1-Mar-1 1-Mar-14 1-Mar-15 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks Others NA NA NA NA NA NA NA NA NA NA All Agencies CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During Cumulative 1-Mar-12 1-Mar-1 1-Mar-14 Deposit Credit Deposit Credit Commercial Banks Commercial Banks Regional Rural Bank Regional Rural Bank Cooperative Banks Cooperative Banks Others NA NA NA Others NA NA NA All Agencies All Agencies PERFORMANCE TO FULFILL NATIONAL GOALS (As on 1/0/2015) Commercial Banks Regional Rural Bank Cooperative Banks Others NA NA NA NA NA NA All Agencies AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 1. NETWORK & OUTREACH (As on 1/0/2015) No. of accounts Commercial Banks % Regional Rural Bank % 80.1 Cooperative Banks % Others All Agencies % SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Broad Sector Banking Profile No. of accounts Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector No. of Banks/Soc. No. of Branches No. of non-formal agencies assoiated of Deposit of Loan Per Branch Outreach Priority Sector to Agr. Sector to Weaker Sections under DRI Scheme to Women Demand Demand % % % % % % 85 Commercial Banks NA NA NA NA NA NA NA NA NA NA Regional Rural Bank #REF! Average 9. RECOVERY POSITION [Rs. Ach in last years Average Ach in last years Average Demand [Rs. [Rs. [Rs. Rec. in last years Cooperative Banks Others NA NA NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA NA NA NA NA NA Sources : Lead Bank & SLBC 8