EXECUTIVE SUMMARY. A. Introduction

Transcription

1 PLP DANGS A. Introduction EXECUTIVE SUMMARY Dangs is primarily an agricultural district with Paddy, Nagali, Gram and horticulture as the predominant crops. The other major crops cultivated are groundnut, sugarcane, spices, strawberry, other millets, etc. The total land holding is 5784 ha. which covered by 97 farmers. About 94% of land holdings are with big farmers and the average size of the holdings is 6.6 Ha. The Potential Linked Credit Plan (PLP) for has been prepared aligning with the revised RBI guidelines on Priority Sector Lending. It estimates credit flow of ` lakh, of which, Crop Production sector has a major share of 6.% at ` lakh. Term loan under agriculture is assessed at ` lakh accounting for about 57.2 Agriculture and 48.4 Priority Sector. Under MSME, `5.60 lakh has been assessed as potential forming.5% of Priority Sector and balance at ` lakh has been estimated for other sectors like Education, Housing, Renewable Energy, and social Infrastructure. The activity-wise and block-wise assessment of potential is presented in Annexure I. The PLP projection for is lower by `694.4 lakh when compared to the PLP for the year representing an decrease of 9%. The PLP projection has been reassessed taking into consideration of disbursement made during last three years, availability of Infrastructure for exploiting the potential and capacity of the line department to provide extension support. Suggested action Points in respect of major sectors and infrastructure/non-credit inputs are as under: B. Sector-wise comments on major sectors. Crop Production, Maintenance and Marketing a) By adopting High yielding Variety and new crops, the production can be increased. To meet with the challenge of credit support, commercial banks, cooperative banks, and RRB have their service area plans to be implemented. b) Banks may make efforts to contact and encourage the agriculture graduates to set up units, under the Scheme for setting up Agri Clinics and Agri Business Centers(ACABCs). c) Activities like soil and water testing laboratories, pest diagnostic and control service, custom hiring of agricultural implements, vermi compost, tissue culture, labs, and various extension services are covered under the scheme. d) Banks may adopt Rupay KCC as an effective credit delivery mechanism and educate the farmers to subscribe to crop insurance schemes. 2. Farm Mechanisation a) The implements like rotavators may be popularised. Agri entrepreneurs, farm graduates and progressive farmers may be encouraged to provide implements & tools, machinery, tractors and other farm implements on custom hire basis through banking plan. b) NABARD has been permitting all banks to claim refinance even in respect of financing of second-hand tractors subject to certain terms and conditions. This policy is certain to increase the pace of farm mechanisation in the hinterland. Banks should create widespread awareness among the farming communities at branch levels about this relaxation through Farmers Meets/Farmers Clubs. c) Farmers may be encouraged to go for other farm implements like mould broad ploughs, trailers, cultivators, cage wheel, disc harrow, seed drill, portable pump set with accessories, power thresher, winnower, self propelled reaper, sprayer, pruner, weeder, grass cutter, etc. d) Farm mechanisation programme has to be sufficiently tagged with the integrated development of the rural area. e) New and modern farm machinery sales depots are to be established. Agro service centers to be established throughout the district. f) Banks may increasingly adopt the strategy of JLG financing to enable SF/MF to purchase farm machineries and equipment.

2 PLP DANGS. Plantation and Horticulture a) Bank may focus on financing for Setting up of Agri-Clinics & Agri-Business, soil and water testing laboratories, pest diagnostic and control service, custom hiring of agricultural implements, setting up of apiaries, vermi-compost units, tissue culture labs, etc. b) Banks may popularise as well as provide adequate credit for Horticulture and Floriculture projects in the district. c) Banks may, in consultation with the Horticulture Department, prepare area based schemes/ banking plans and implement project based lending for beneficiaries under Schematic Approach. d) State Government may popularise, contract farming, commodity interest groups/farmers interest groups with necessary guidance, support service, etc. 4. Animal husbandry a) The bankers need to ensure purchase of animals by the borrowers during the calving season while ensuring the availability of fodder and green grass. b) Banks may also encourage farmers to take up calf rearing and fodder cultivation, as viable activities with financial assistance. c) Intensive cross breeding programme may be undertaken so that better quality animals would be available at the local level. d) The AH Deptt. may arrange awareness camps to educate the farmers on health and maintenance of cattle C. Highlights of Developments, initiatives taken, achievements, specific prescriptions etc. by NABARD Adivasi Development Programme Gujarat is being implementing through DHRUVA in Dangs district covering 5900 beneficiaries in Wadi Model. Grants assistance for implementation of Pilot Project on Systematic Rice Intensification (SRI) programme to increase the production of rice. Honeey Bee Project is being implemented for 500 beneficiaries of WSHGs in association with Under The Mango Tree (UTMT). Conduct of various Financial Inclusion Awareness Programme in the district. Financial Support to State Governments for creation of infrastructure viz. Roads, Check Dams, Anganwadi, CHC/PHCs, etc. To give thrust to the identified sector/activity by enhancing term loan disbursements through a banking plan, implementation of area based scheme/s has been suggested as a coordinated effort of NABARD, Lead Bank, other banks, line departments and other important stake holders. GoI has established the National Adaptation Fund on Climate Change (NAFCC) with a budget provision of `50 crores for the year and NABARD has been appointed as National Implementing Entity (NIE) responsible for implementation of adaptation projects under the Fund. To ensure effective price protection to the farmer, National Agricultural Market being proposed can be a solution backed by adequate storage facilities. D. Thrust areas for such as JLG/SHG financing, post harvest infrastructure, food processing, Producer Organizations, etc. E. Conclusion The major driver of private sector capital formation is investment credit. Immediate thrust is required to raise its share in the total agriculture credit. The document, has therefore, been prepared with emphasis on accelerating the pace of capital formation in agriculture and allied sectors. This goal can be achieved with the coordinated efforts of all the stakeholders. 2

3 Broad Sector-wise PLP projection PLP DANGS (` Lakh) Sr.No. Particulars PLP Projection A Farm Credit i Crop Production, Maintenance and Marketing ii Term Loan for agriculture and allied activities 4.85 Sub Total B Agriculture Infrastructure C Ancillary activities 62.6 I Credit Potential for Agriculture (A+B+C) II Micro, Small and Medium Enterprises 5.60 III Export Credit 0.00 IV Education V Housing VI Renewable Energy 28.9 VII VIII Social Infrastructure involving bank credit Total Priority Sector (I to VIII) Housing 2% Broad Sector Wise Projection for Education 0% MSME 4% Ancillary Acti. 2% Export 0% Agri. Infra. % Ren. Energy 0% 7% Social Infra. 2% Crop Loan 6% Term 4% Crop Loan Term Agri. Infra. Ancillary Acti. MSME Export Education Housing Ren. Energy Social Infra.

4 PLP DANGS Summary of Sector/Sub-Sector-wise PLP projection (` Lakh) Sr.No. Particulars PLP Projection I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing ii Water Resources iii Farm Mechanisation iv Plantation and Horticulture (including sericulture) v Forestry and Waste Land Development 89.8 vi Animal Husbandry Dairy vii Animal Husbandry Poultry 28.2 viii Animal Husbandry Sheep, Goat, Piggery, etc ix Fisheries (Marine, Inland, Brackish water) 6.98 x Bullock, Green Kisan Card Sub Total B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, Godowns, 92.6 Silos, Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed development 25. iii (Tissue culture, Agri bio-technology, Seed production, Bio 96.5 pesticides/ fertilizers, Vermin composting) Sub Total C Ancillary Activities Food and Agro processing 2.6 ( to Cooperative Societies of farmers for disposing of their 0.00 produce, Agri Clinics/ Agri Business Centres, to PACS / FSS/ LAMPS, to MFIs for on lending) Sub Total 62.6 Total Agriculture II Micro, Small and Medium Enterprises i MSME Working capital 0.87 ii MSME Investment credit 5.7 Total MSME 5.60 III Export Credit 0.00 IV Education V Housing VI Renewable Energy 28.9 VII ( to SHGs/ JLGs, loans to distressed persons to prepay noninstitutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) VIII Social Infrastructure involving bank credit Total Priority Sector

5 PLP DANGS MAP OF DANGS DISTRICT 5

6 PLP DANGS District - Dangs State - Gujarat Division - Dangs Total Geographical Area (Sq.km) No. of Sub Divisions No. of Blocks Climate Semi Arid to Dry Sub-humid 764 No. of Villages (Inhabited) 08 No. of Panchayats 70 Soil Type Shallow to moderate deep black. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported Forest land 7257 Normal Actual 0690 Rainfall [in mm] Area Not Available for Cultivation 728 Variation from Normal (%) Permanent Pasture and Grazing Land 49 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 4557 Water [Ham] Cultivable Wasteland 2 5. DISTRIBUTION OF LAND HOLDING Current Fallow Other Fallow Net Sown Area Total or Gross Cropped Area Area Cultivated More than Once 89 Holding Area Classification of Holding 78 Nos. % to Total Ha. % to Total 5790 <= Ha > to <=2 Ha >2 Ha Cropping Inensity [GCA/NSA] % 2 Total WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators Of the above, Small/Marginal Farmers Agricultural Labourers Workers engaged in Household Industries 55 Category Total Male Female Rural Urban 5 Population Scheduled Caste Scheduled Tribe Workers engaged in Allied Agro-activities Literate Other workers 0 BPL 4 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 60 Having brick/stone/concrete houses Having electricity supply 8 Rural Households 52 Having source of drinking water 8 Having independent toilets BPL Households 5 Having access to banking services 4 Having radio/tv sets 0. VILLAGE-LEVEL INFRASTRUCTURE [Nos]. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified Anganwadis 45 Dispensaries Villages having Agriculture Power Supply Primary Health Centres 9 Hospitals Villages having Post Offices 56 Primary Health Sub-Centres 47 Hospital Beds 242 Villages having Banking Facilities 7 2. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 49 Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos] 289 Villages having Primary Health Centres 9 Total N/P/K Consumption [MT] 95 Pumpsets Energised [Nos] 289 Villages having Potable Water Supply 87 Certified Seeds Supplied [MT] Agro Service Centres [Nos] 2 Villages connected with Paved Approach Roads 247 Pesticides Consumed [MT] Soil Testing Centres [Nos]. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 200 Plantation nurseries [Nos] 2 Total Area Available for Irrigation (NIA + Fallow) 5790 Power Tillers [Nos] 27 Farmers' Clubs [Nos] 6 Irrigation Potential Created Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos] Net Irrigated Area(Total area irrigated at least once) INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels/Check Dams 874 Rural/Urban Mandi/Haat [Nos] Wholesale Market [Nos] Area irrigated by Wells 68 Length of Pucca Road [Km] 20 Godown [Nos] Area irrigated by Tanks/Ponds 4500 Length of Railway Line [Km] 0 Godown Capacity[MT] 690 Area irrigated by Other Sources (Lift Irr.) 274 Public Transport Vehicle [Nos] Cold Storage [Nos] Irrigation Potential Utilized (Gross Irrigated Area) 86 Goods Transport Vehicle [Nos] Cold Store Capacity[MT] 5. 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) No of units Cap.[MT] Crop Paddy Nagli Jowar District Profile. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Agro-climatic Zone Gujarat Plains & Hills Region - Southern Hills Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) Avg. Yield [Kg/Ha] Groundnut Cotton (Ginnining/Spinning/Weaving) Tuwer Milk (Chilling/Cooling/Processing) Meat (Chicken/Motton/Pork/Dryfish) Animal feed (Cattle/Poultry/Fishmeal) 2 5 Mango ANIMAL POPULATION AS PER CENSUS 2007 [in '000] 8. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 7 Animal Markets [Nos] Cattle - Cross bred Disease Diagnostic Centres [Nos] Milk Collection Centres [Nos] Cattle - Indigenous Artificial Insemination Centers [Nos] 45 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 7 Dairy Cooperative Societies [Nos] 44 Poultry hatcheries [Nos] Goat Pig - Cross bred Pig - Indigenous Cashew Improved Fodder Farms [Nos] Slaughter houses [Nos] 9. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Fish Production [MT] Per cap avail. [gm/day] Horse/Donkey/Camel Egg Production [Lakh Nos] 56 Per cap avail. [nos/p.a.] 27 Poultry - Cross bred Milk Production ['000 MT] 22 Per cap avail. [gm/day] 228 Poultry - Indigenous 277 Meat Production [MT] 0 Per cap avail. [gm/day] Sources (if not mentioned against the respective item): Item Nos., 6, 7, 9 & 0 - Census 20; Item Nos. 2,, 5, 2, & 4 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item No. 8 - Census 20; Item No. 5 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 6 - DACNET; Item No. 7 - AH Census 202; Item Nos. 8 & 9 - Dir. of Animal Hus./Dir. of Eco. & Stat. 6

7 8 PLP DANGS District - DANGS State - Gujarat Lead Bank - Bank of Baroda Total Rural Semiurban Urban mfis/mfo s SHGs/JLG s BCs/BFs Villages Households Commercial Banks Regional Rural Bank District Central Coop. Bank Coop. Agr. & Rural Dev. Bank Primary Agr. Coop. Society All Agencies DEPOSITS OUTSTANDING -Mar- -Mar-4 -Mar-5 Growth(%) Share(%) -Mar- -Mar-4 -Mar-5 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks All Agencies LOANS & ADVANCES OUTSTANDING -Mar- -Mar-4 -Mar-5 Growth(%) Share(%) -Mar- -Mar-4 -Mar-5 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks All Agencies CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During Cumulative -Mar- -Mar-4 -Mar-5 Deposit Credit* Deposit Credit Commercial Banks Commercial Banks Regional Rural Bank Regional Rural Bank Cooperative Banks Cooperative Banks All Agencies All Agencies PERFORMANCE TO FULFILL NATIONAL GOALS (As on /0/205) Commercial Banks NA NA Regional Rural Bank NA NA Cooperative Banks NA NA 4800 All Agencies NA NA AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 202- Commercial Banks Regional Rural Bank Cooperative Banks No. of Banks/Soc. Priority Sector All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Broad Sector 202- Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector RECOVERY POSITION 202- Demand [` '000] [` '000] [` '000] Recovery [` '000] Commercial Banks Regional Rural Bank Cooperative Banks All Agencies Sources : Lead Bank & SLBC * Due to written off accounts during 204-5, the figures arrived in negative. Banking Profile. NETWORK & OUTREACH (As on /0/205) No. of Branches No. of Accounts No. of Accounts to Agr. Sector [%] [%] Recovery [%] Demand [` '000] to Weaker Sections No. of non-formal agencies assoiated of Deposit of Loan under DRI Scheme Per Branch Outreach to Women Average Ach[%] in [` '000] [%] [` '000] [%] last years Average Ach[%] in [` '000] [%] [` '000] [%] last years 20-4 Recovery Recovery Demand [` Recovery Recovery Average Rec. [%] in [` '000] [%] '000] [` '000] [%] last years