EXECUTIVE SUMMARY. 1. Theme of PLP

Transcription

1 1. Theme of PLP EXECUTIVE SUMMARY The criticality of capital formation in and for agriculture need not be overemphasized. However, the recent declining trend in investment credit vis-à-vis crop loan has serious implications for sustaining capital formation. The theme selected for the PLP is Accelerating the pace of capital formation in agriculture and allied sector. The PLP maps the potential in priority sectors which could be exploited with institutional credit within a specified time frame. PLPs are intended to provide a meaningful direction to the flow of credit to different sectors at the ground level taking into account all relevant factors. The various linkages and other support required to be provided by line departments to facilitate credit flow as planned are also listed in the PLP. 2. Salient features of North is one of the most backward districts of Assam and is situated in the remote corner of North East India on the north bank of river Brahmaputra. The district falls in the Upper Brahmaputra Valley Region & Eastern Himalayan Zone. The economy of Lakhimpur is basically agrarian. Total gegraphical area of the district is 2277 sq. kms. which is divided into nine Development Blocks. Net sown area of the district is ha against the gross cropped area of ha. The cropping Intensity in the district is 155%. The district is severely affected by floods every year, caused by the Brahmaputra and its tributaries. Agriculture is the main economic activity in the district. About 70% of the working population in the district is engaged in agriculture. There are no major industrial unit in the district. Paddy is the major agricultural crop and mustard, potato and pulses are other major crops. Fruits and vegetables are cultivated on a moderate scale. Poultry, piggery, fishery, dairy and goat rearing are the major allied agricultural activities. Sericulture, especially eri and muga rearing, are gaining popularity among villagers in some pockets in the district. Weaving is widely done by the women in the district to generate additional income for the family. Fish production is also an important activity in the district. 3. Sectoral trends in credit flow The Potential Linked Credit Plan (PLP) of Lakhimpur district envisaged potential for bank credit to the tune of ` lakh under various sectors for the 12 th Five Year Plan period, viz to , of which, ` lakh pertains to Crop loan, ` lakh under Investment Credit for Agriculture & Allied Activities, ` lakh under Micro & Small Enterprises sector and ` lakh under Other Priority Sector. 4. ing Profile District has 51 branches of banks including Private, 18 branches of Assam Gramin Vikash, 2 branches of Assam State Apex Ltd, 2 branches of Urban and 22 PACs which provide agriculture credit to their members. The CD ratio of the district during last three years , and was 49%, 48% and 53.60% respectively. 5. Brief Sectoral Review and projections of potentials for The Potential Linked Credit Plan (PLP) of North is intended to provide insight on the potential for development of different sectors of the rural economy of the district. It is a road map for extending credit to important sectors/sub sectors/activities. The potential of each sector/sub sector that could be tapped with institutional credit, has been assessed and projection of credit need for North Lakhimpur district has been estimated at ` lakh for the year The share of Agriculture & allied activities, Non-farm sector and Other priority sectors are 1

2 in the range of %, 5.10 % and % respectively. Block-wise details of estimates for are given in Annexure- I. The Base PLP projection ( ) for the year was estimated at ` lakh However, it is expected that there will be increase in cost of various agriculture inputs and labour cost, fuel price hikes and certain factors like forecast of normal rainfall. The sub-sectoral projections for the year are given as under : a) Crop loan Subsistence agriculture is prevalent in most parts of the district. Besides, regular kharif (Sali) crops, farmers are now growing rabi and pre-kharif season crops. The net sown area of North lakhimpur district constitutes about 70% of the geographical area. The most important crop of the district is paddy which covers over 77% of the gross cropped area. With the promotional and financial interventions from District Agriculture Department under various ongoing schemes, there has been a perceptible change in the cropping pattern from the traditionally cultivated paddy to other crops like wheat, oil seeds and pulses. Cultivation of vegetables is also being increasingly taken up by farmers as a result of improvement in irrigation facilities with the construction of STWs/LLPs by Agriculture Department. A potential of ` lakh is projected as potential for crop loans for b) Water Resources Assured irrigation is the most essential input for increasing sustainable agricultural productivity. All the blocks in the district are categorised as 'Safe' blocks. Further, there is immense potential for development of surface irrigation and lift irrigation projects. A potential of ` lakh is projected for minor irrigation activities for the year c) Land Development The Government attaches considerable importance for improving the productivity of land and soil resources by reclamation of degraded and fallow lands as well as problem soils under its National Watershed Development Project for Rainfed Areas. The credit potential for land development activities in the district has been arrived at ` 5.04 lakh for ground level disbursement of bank loan for the year d) Farm Mechanisation Farm Mechanisation helps in minimising the cost of cultivation, reducing drudgery in operations and increasing cropping intensity. Farm machineries and implements are promoted with subsidy to ensure timely agricultural operations. The potential for credit under this sector for the year estimated at ` lakh e) Plantation and Horticulture The total area under plantation and horticulture crops in the district is at around 9% of the gross cropped area. Arecanut, Banana, Coconut, Betel Vine and Assam Lemon are the major plantation and horticulture crops in the district. The potential for credit under this sector is estimated at ` lakh for the year f) Dairy The production of milk in the district is very less. The per capita daily availability of milk is estimated at 94 ml. In the district farmers have already adopted stall-fed crossbreed cattle rearing, but the number is very less. With support like induction of high yielding cattle, massive AI programme, feed and fodder development programme, this sector can grow in a massive way. The potential for credit under the sector for the year is estimated at ` lakh. g) Poultry As per the Livestock census (2007), the poultry population of the district is 12,02,944. farming is very popular in the district and many farmers rear birds in small numbers under free range system. Supply of day old chicks to the farmers is facilitated by private parties/suppliers 2

3 and a few NGOs from outside the district. The potential for credit for the sector is estimated at ` lakh for the year h) Sheep / Goat / Piggery Sheep rearing activity has not picked up in the district when compared with goat rearing. There is good demand for pork and mutton in the district and this sector has immense potential for exploitation. The exploitable potential for bank credit has been projected ` lakh for the year i) Fisheries The district has a water spread area of around 8281 ha under various forms of fishery resources like ponds, tank, swamps, Beels etc. The exploitable potential for bank credit has been projected ` lakh for the year j) Storage Godowns/Market Yards Lakhimpur town is the districts headquarter and the district serves as a gateway to the neighbouring State of Arunachal Pradesh. Further, the road line area is cut off frequently from other parts of the state during floods and rainy season. As such, stocking arrangements for various essential consumable items and surplus agricultural produce is required to meet any eventuality in the district. Keeping in view of the GoI s policy initiatives, the projection for the year has been arrived at ` lakh. k) Renewable Sources of Energy The Ministry of New and Renewable Energy, GOI has announced a Capital Subsidy Scheme for installation of solar off-grid (Photo Voltaic and Thermal) for solar applications under Jawaharlal Nehru National Solar Mission (JNNSM). The focus of the mission is to set up an enabling environment for energy generation in the country. The scheme is being implemented by involving CBs and RRBs. The aim is to encourage replacement of non-renewable energy sources like fossil fuels, kerosene and diesel with solar energy to meet energy requirements in rural areas. There is potential for solar lighting system in villages not yet electrified. The potential for credit for the period is estimated at ` lakh. l) MSME MSE activities are promoted in the district through Rural Artisans, Weavers, Small Scale Industries (SSIs) and Cottage and Tiny Village Industries (CTVIs). The financial projection for the MSE sector covering investment as well as working capital for the year has been arrived at ` lakh. m) Other Priority Sector The district offers good potential for expansion of Service sector. Credit to this sector has to occupy a major share of total credit flow in the district. Further, expansion of this sector complements the development of other sectors. An amount of ` lakh has been projected under the sector for the year Major Constraints and Suggested Action Points for State Govt. and ing Sector Major constraints in the district for credit flow are Lack of awareness among the farmers or entrepreneurs regarding different schemes of banks and governments. Unnecessary delay the part of banks while sanctioning schemes. Misguidance to the farmers by unscrupulous elements. Lack of irrigation facilities. Lack of power supply. Lack of marketing facilities. Lack of quality extension services, soil testing and seed testing facilities. 3

4 The state government should give more importance to irrigation and power supply. Shortage of farm power has become the main constraints to double or multiple cropping. Lack of quality power hinders the growth of micro, small and medium enterprises. Because of small land holding, availability of adequate quantity of ground water and rainfall concentration during monsoon the scope is more for minor irrigation. The existing canal irrigation systems are also not functioning well. Flood and O&M are the major hindrances for canal irrigation system. Hence, more emphasis should be given to the minor irrigation system. Private parties and Co-op societies may come forward for setting up cold storage and rural godowns with loan-cum-subsidy under the centrally sponsored schemes. The farmers may be made aware of different schemes of the government and banks. The extension service may be strengthened. 7. Infrastructure Support: Infrastructure development is a necessary pre-condition for integrated rural development in the district. Rural Infrastructure Development Fund (RIDF) serves as a supplement to the efforts being made by State Governments in this direction. The infrastructure of the district is commensurate with the economic development of the district. The critical infrastructures required for the district are in the areas of rural roads, bridges and storages. These will create wide and big impact leading to increased production and productivity and better price realization by farmers thereby enabling higher credit off take, besides improving the quality of life and bring about social upliftment, especially in tribal dominated pockets of the district. 8. Informal Credit Delivery System: The district has good potential on SHGs and JLGs financing. SHGs and JLGs may be financed on live stock farming, farm mechanisation, handloom sectors etc. Producer organisations may be developed in fishery, diary, poultry and organic farming sectors. It will help in commercialisation of agriculture. 9. Area Based Schemes: Under Area Based Scheme, Handloom Weaving 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. 10. Thrust areas for : Infrastructure development such as Irrigation facilities, road networks, etc. is essential for development of a district. Minor Irrigation and flood protection projects should be to be taken up in a big way for the benefit of farmers. Abundant surface water available in the district may be harnessed for this purpose. However, for sustainable development of water resources conjunctive use of ground and surface water should be adopted. Market Yards and Rural Godowns have to be constructed at important rural market places for the benefit of farmers. This may be done under public -private partnership basis. Improvement of existing infrastructure should be taken up on priority. None of the PACs have scientific warehouses. The infrastructure of the PACs is required to be strengthened. 13. Conclusion: Considering the available potential, infrastructure, banking outlets, government policies, farmers' participation, markets, extension services an amount of ` lakh has been estimated for credit flow in the district for the year To fulfil this target co-ordinated approach of all the stake holders are necessary. Strengthening of SAMIS, monitoring at district and block level, financial literacy, financial inclusion, coverage by SHG and JLG are also required to develop the district as well as the farmers. 4

5 Appendix A to Annexure 1 Broad Sector wise PLP Projections District : Lakhimpur State : Assam (` lakh) Sr. No. Particulars PLP Projections A Farm Credit i Crop Production, Maintenance, Marketing ii Term Loan for Agriculture and Allied activities Sub Total B Agriculture Infrastructure C Anciliary Activities I Credit Potential for Agriculture (A+B+C) II Micro, Small and Medium Enterprises III Export Credit 0.00 IV Education V Housing VI Renewable Energy VII Others VIII Social Infrastructure 0.00 Total Priority Sector (I to VIII)

6 SUMMARY OF SECTOR / SUB-SECTOR WISE PLP PROJECTIONS District : Lakhimpur State : Assam (` in lakh) Sr. No. Particulars PLP Projections I Credit Poteltial for Agriculture A Farm Credit i Crop Production, Maintenance, Marketing ii Water Resources iii Farm Mechanization iv Plantation & Horticulture v Forestry and Wasteland Development vi Animal Husbandry - Dairy vii Animal Husbandry - Poultry viii Animal Husbandry -Sheep/Goat/Piggery ix Fishery x Others Sub Total B Agriculture Infrastructure i Storage Facilities ii Land Development, Soil Conservation, Watershed Development 5.04 iii Others 0.00 Sub Total C Anciliary 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 0.00 IV Education V Housing VI Renewable Energy VII Others VIII Social Infrastructure 0.00 Total Priority Sector

7 MAP OF LAKHIMPUR DISTRICT 7

8 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) No. of Sub Divisions Agro-climatic Zone Upper BrahmaputraValley Region under Eastern Himalayan Zone No. of Blocks No. of Villages (Inhabited) Climate Soil Type Humid Young Alluvial soil in plains and Lateritic in the No. of Panchayats LAND UTILISATION [ha] 4. RAINFALL & GROUND WATER Total Area Reported Rainfall [in mm] Normal Actual Forest Land Area Not Available for Cultivation Variation from Normal Permanent Pasture and Grazing Land 4331 Availability of Ground Net annual Net annual recharge Water [Ham] draft Land under Miscellaneous Tree Crops Cultivable Wasteland DISTRIBUTION OF LAND HOLDING Current Fallow 6457 Holding Area Classification of Holding Other Fallow 1465 Nos. % to Total ha. Net Sown Area <= 1 ha Total or Gross Cropped Area >1 to <=2 ha Area Cultivated More than Once >2 ha Cropping Inensity [GCA/NSA] 1.55 Total WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 338 Category Total Male Female Rural Of the above, Small/Marginal Farmers 115 Population Agricultural Labourers Scheduled Caste Workers engaged in Household Industries 12 Scheduled Tribe Workers engaged in Allied Agro-activities Literate Other workers 113 BPL HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 176 Having brick/stone/concrete Having electricity supply Rural Households 160 Having source of Having independent toilets BPL Households 16 Having access to Having radio/tv sets 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 927 Anganwadis Dispensaries 5 Villages having Agriculture Power Supply Primary Health 28 Hospitals 1 Villages having Post Offices 175 Primary Health Sub- Hospital 155 Centres Beds 424 Villages having ing Facilities 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 1139 Fertiliser/Seed/Pesticide Outlets 40 Agriculture Pumpsets[Nos] Villages having Primary Health Centres 26 Total N/P/K Consumption [MT] 2803 Pumpsets Energised [Nos] Villages having Potable Water Supply 676 Certified Seeds Supplied [MT] Agro Service Centres [Nos] Villages connected with Paved Approach Roads 13. IRRIGATION COVERAGE [Ha] 289 Pesticides Consumed [MT] Agriculture Tractors [Nos] 863 Soil Testing Centres [Nos] Plantation nurseries [Nos] Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] 317 Farmers' Clubs [Nos] Irrigation Potential Created Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos] Net Irrigated Area(Total area irrigated at least once) 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & Area irrigated by Canals / Channels Rural/Urban Mandi/Haat [Nos] 25 Wholesale Market [Nos] Area irrigated by Wells Length of Pucca Road [Km] 511 Godown [Nos] Area irrigated by Tanks Length of Railway Line [Km] 100 Godown Capacity[MT] Area irrigated by Other Sources Public Transport Vehicle [Nos] 1509 Cold Storage [Nos] Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] 2079 Cold Store Capacity[MT] 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF Type of Processing Activity No of units Cap.[MT] Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) Area (Ha) Area (ha) Prod. (MT) Area (ha) Prod. (MT) Sugarcane (Gur/Khandsari/Sugar) Paddy Fruit (Pulp/Juice/Fruit drink) Wheat Spices (Masala Powders/Pastes) Pulses Dry-fruit (Cashew/Almond/Raisins) Potato Cotton (Ginnining/Spinning/Weaving) Mustard Milk (Chilling/Cooling/Processing) Banana Meat (Chicken/Mutton/Pork/Dry fish) Pineapple Animal feed (Cattle/Poultry/Fishmeal) Production of Cotton(lint), Jute, Mesta & Sanhemp are in 17. ANIMAL POPULATION AS PER CENSUS [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED Category of animal Total Male Female Veterinary Hospitals/Dispensaries 12 Animal Markets [Nos] Cattle - Cross bred 9 Disease Diagnostic Centres [Nos] - Milk Collection Centres [Nos] Cattle - Indigenous 383 Artificial Insemination Centers 40 Fishermen Societies [Nos] Sheep - Cross bred Animal Husbandry Tng Centres - Fish Markets [Nos] 3 Pig - Cross bred DISTRICT PROFILE DISTRICT - LAKHIMPUR STATE -ASSAM DIVISION - UPPER ASSAM Buffaloes 22 Animal Breeding Farms [Nos] - Fish seed farms [Nos] Sheep - Indigenous 1 Dairy Societies [Nos] 25 Poultry hatcheries [Nos] Goat 168 Improved Fodder Farms [Nos] Pig - Indigenous 108 Fish Production [MT] - Slaughter houses [Nos] 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA Per cap avail. [gm/day] Horse/Donkey/Camel 9 Egg Production [Lakh Nos] 174 Per cap avail. [nos/p.a.] Poultry - Cross bred Milk Production ['000 MT] 40 Per cap avail. [gm/day] Poultry - Indigenous 418 Meat Production [MT] - Per cap avail. [gm/day] Sources (if not mentioned against the respective item): Item Nos. 1, 6, 7, 9 & 10 - Census ; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item No. 8 - BPL Survey 2002; Item No District Ind Centre/Dir. of Eco. & Stat.; Item No DACNET; Item No AH Census 2 Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat. 8

9 BANKING PROFILE District - LAKHIMPUR State - ASSAM Lead - UNITED BANK OF INDIA 1. NETWORK & OUTREACH (As on 31/03/2015) No. of Per Branch /Soc No. of Branches No. of non-formal agencies assoiated Outreach. Total Rural Semiurban Urban mfis/mfos SHGs/JLGs BCs/BFs Villages District Central Coop Coop. Agr. & Rural Dev Primary Agr. Coop. Society Others Assam SCB Ltd All Agencies No. of accounts 31-Mar Mar Mar-14 Growth(% ) Share(%) 31-Mar Mar Mar Others All Agencies LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.'000] 31-Mar Mar Mar-11 Growth (%) Share(%) 31-Mar Mar Mar-15 Growth(%) Others All Agencies CD-RATIO 5. PERFORMANCE UNDER FINCIAL INCLUSION (No. of CD Ratio During Cumulative 31-Mar Mar Mar-15 Deposit Credit Deposit Others Others All Agencies All Agencies 6. PERFORMANCE TO FULFILL TIOL GOALS (As on 31/03/2015) Priority Sector Loans Loans to Agr. Sector Loans to Weaker Loans under DRI Scheme Loans to Women Amount [Rs.'000] % of Total Loans Amount [Rs.'000] 2. DEPOSITS OUTSTANDING % of Total Loans Amount [Rs.'000] Amount of Deposit [Rs.'000] % of Total Loans Amount [Rs.'000] % of Total Loans Growth(%) Amount [Rs.'000] Others All Agencies 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach'ment Target [Rs.'000] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs. '000] Ach'ment [%] Others All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Broad Sector Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach'ment Target [Rs.'000] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs. '000] Ach'ment [%] Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector RECOVERY POSITION Demand Recovery Recovery Demand Recovery Recovery Recovery Demand [Rs. '000] [Rs. '000] [Rs. '000] [%] [Rs. '000] [Rs. '000] [%] [Rs. '000] Recovery [%] Others All Agencies Sources : Lead & SLBC 9