EXECUTIVE SUMMARY. b. Suggested action Points in respect of major sectors and infrastructure/non-credit inputs are as under:

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1 EXECUTIVE SUMMARY a. Introduction Morbi district is primarily an agricultural district with cotton, cumin and wheat as the predomint crops. The other major crops cultivated are bajra, wheat, sesamam, groundnut, etc. 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 54% at ` lakh. Term loan under agriculture is assessed at ` lakh accounting for about 30% of total agriculture and 24% of total Priority Sector. Under MSME, ` lakh has been assessed as potential forming 16% and balance at ` lakh has been estimated for other sectors like Exports, Education, Housing, etc. The activity-wise and blockwise assessment of potential is presented in Annexure I. The PLP projection for is higher by ` lakh when compared to the PLP for the year representing an increase of about 5%. Further, the PLP projection is higher by similar amount when compared to the ACP target for the year b. Suggested action Points in respect of major sectors and infrastructure/non-credit inputs are as under: (i) Crop Production, Maintence and Marketing Adoption of advanced technologies for the restoration of soil health, mechanisation, and cultivation of suitable remunerative crops, effective pest and disease magement are essential to step up the agricultural production. Modern methods of cultivation like Fertigation for sugarcane, precision farming for vegetables, sprinkler irrigation for pulses etc need to be adopted for increasing production and productivity. Banks may adopt Rupay KCC as an effective credit delivery mechanism and educate the farmers to subscribe to crop insurance schemes. (ii) Water Resources and Land Development As monsoon continues to be erratic, need for greater focus lies in water resource magement. Farmers need to be incentivised to save water by adopting suitable cropping pattern on their farms. There is a need for conserving soil moisture security so that more crop per drop can be achieved. (iii) Farm Mechanisation Shortage of labour is a serious threat affecting the development of agriculture in the district. Enhanced credit flow for farm mechanisation should be ensured. Banks may increasingly adopt the strategy of JLG fincing to eble SF/MF to purchase farm machineries and equipment. (iv) Plantation and Horticulture Horticulture crops could be encouraged as an altertive to the traditiol cropping pattern in the district. Vegetables and Floriculture may be encouraged under modern methods like Green house/controlled conditions with bank credit. The Departments of Horticulture and Agriculture may popularise suitable horticulture crops for development in cultivable wastelands and saline/alkaline areas. (v) Animal husbandry Animal husbandry, particularly dairy is the most suitable subsidiary occupation. As dairy offers quick returns and near stable prices, banks may fince liberally ensuring tie-up arrangements with Dairy 1

2 farms/societies. Banks may also encourage farmers to take up calf rearing and fodder cultivation, as viable activities with fincial assistance. (vi) MSME Banks should step up their lending to MSME sector including provision of adequate Working Capital assistance. Handloom Weavers and Handicrafts sectors in the district need to be adequately supported with bank credit. Banks may encourage artisan SHGs/JLGs from Handloom, Arts & crafts in these areas and also issue SCCs. c. Highlights of Developments, initiatives taken, achievements, specific prescriptions etc. NABARD s initiative on Natural Resources Magement with focus on Tribal development 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 coordited effort of NABARD, Lead Bank, other banks, line departments and other important stake holders. WADI model is holistic in approach, addressing production, processing and marketing of produce and other livelihood needs. GoI has established the Natiol Adaptation Fund on Climate Change (NAFCC) with a budget provision of ` 350 crores for the year and NABARD has been appointed as Natiol Implementing Entity (NIE) responsible for implementation of adaptation projects under the Fund. To ensure effective price protection to the farmer, Natiol Agricultural Market being proposed can be a solution backed by adequate storage facilities. d. Thrust areas for such as JLG/SHG fincing, post harvest infrastructure, food processing, Producer Organizations, Area Development Plans/Schemes, etc. as applicable to the district. 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 coordited efforts of all the stakeholders. 2

3 Sector wise PLP Projections (` Lakh ) Sr.No. PLP Particulars Projections A Farm Credit (i) Crop Production, Maintence and Marketing B Agri Term Loan (i) Agriculture and Allied Activities (ii) Agriculture Infrastructure (iii) Ancillary Activites Total Agri Term Loan Credit Potential for Agriculture (A+B) C Micro, Small and Medium Enterprises D Others (i) Export Credit (ii) Education (iii) Housing (iv) Renewable Energy (v) Others (vi) Social Infrastructure involving bank credit Total Others Total Priority Sector (A to D) MSME 16% Others 6% Agri. Term loan 24% Crop loan 54% Crop loan Agri. Term loan MSME Others 3

4 Sr. No SUMMARY OF SECTOR/SUB-SECTORWISE PROJECTIONS Particulars PLP ` lakh PLP projections for I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintence and Marketing ii Water Resources iii Farm Mechanization iv Plantation & Horticulture (including sericulture) v Forestry & Waste Land Development vi Animal Husbandry Dairy vii Animal Husbandry - Poultry viii Animal Husbandry Sheep, Goat, Piggery, etc ix Fisheries (Marine, Inland, Brackish water) x Others Bullock, Bullock cart, etc Sub Total B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, Godowns, Silos, Cold storage units/cold storage chains ii Land development, Soil conservation, watershed development iii Others (Tissue culture, Agri bio-technology, Seed Production, Bio pesticides/fertilizers, Vermin composting) Sub Total C Ancillary activities i Food and Agro processing Others (Loans to Cooperative Societies of farmers for disposing of their produce, ii Agri Clinics/Agri Business Centres, Loans to PACS/FSS/ LAMPS, Loans to MFIs for on lending) Sub Total Total Agriculture II Micro, Small and Medium Enterprises i MSME Working Capital ii MSME Investment credit Total MSME III Export Credit IV Education V Housing VI Renewable Energy VII Others (Loans to SHGs/JLGs, loans to distressed persons to prepay non institutiol lenders, PMJDY, loans to state sponsored organisations for SC/ST VIII Social Infrastructure involving bank credit Total Priority Sector

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6 DISTRICT PROFILE 1. Profile of the District: Morbi is the nerve center of Saurashtra region having varied activities for livelihood. The district has been carved out of Morbi, Tankara, Maliya-Miya and Wankaner talukas of Rajkot district, Halvad of Surendragar district and parts of Jodiya taluka of Jamgar district. It has tracts of fertile land, a patch of desert and sizeable coastline. The district has farming and industrial activities as major economic activities. Agriculture labour force is from Godhra and Dahod districts of the state. The district has an area of sq km with population of lakhs. There are 407 villages in 5 talukas viz. Halvad, Maliya, Morbi, Tankara and Wankaner. Morbi town is the district headquarter. The town has come to be identified for its ceramic industry. There are more than 400 units manufacturing various types of ceramic tiles and sanitary ware. Morbi is also known for the Ajanta brand of clocks. It has become a global brand of wall-clocks. Orpat, another well-known me in electrical goods, has its origin in Morbi. Annual rainfall in Morbi was 852 mm during the year against an average annual rainfall of 673 mm during the years starting from 1983 to The geographical area reported in the district for land uitlisation is ha. The major crops grown in Kharif are Groundnut and Cotton and that in Rabi are Wheat and Cumin. During summer, Groundnut, Til and vegetables are the main crops. Cha, Garlic, Onion and Chilly are the other crops grown in the district. The district has a net sown area of ha against Gross Cropped Area of with cropping intensity of 107%. The net irrigated area (111661ha) constitute 36.06% of the net sown area ( ha). 2. Predomint activities in the district Agriculture, agro industries, agro processing, dairy and dairy product processing, agriculture implements, handicrafts, automobile ancillaries viz. casting, foundry and engine parts and service sector activities are various predomint activities in the district. 3. Major commercial and horticulture crops Groundnut, cotton, wheat and cumin are the major commercial crops and Mango, Chiku, Lemon, Ber, Pomegrate are the major horticulture crops grown in the district. (r) Emerging sectors in the district Morbi has long been a center for trade and industry. Morbi has many middle as well as big industrial houses operating from its vicinity. Among the big industrial houses located in Morbi, Ajanta Manufacturing Ltd of OREVA Group. Ceramic and Clock manufacturing industry are few ones. Moreover, these industries have also given rise to many ancillary industries such as packaging industry, export houses etc. Together, they have created a vibrant and sustaible economy in this region. Further the farmers in the newly formed district have shifted their cultivation to Cotton, Castor and Gumguwar and plantation of Pomograte horticulture crops. With the Halvad block forming its 5 th block there has been huge demand of construction of rural godowns as the production of Cotton, Castor, Groundnut and Onion is on the rise in the district. x) NABARD in Morbi district NABARD has completed 32 years of its existence in taking rural India forward. During the past three decades, it has achieved several milestones and has played a vital role in our tion s development. Every year, while presenting the budget, the Fince Minister has some interesting challenge in store for NABARD which earmarks the important role NABARD plays in boosting the rural economy. NABARD has gradually penetrated in to rural areas through its various developmental schemes. NABARD, through its various programmes, viz., RIDF, SHG-BLP scheme, JLG, assistance to Producers organization, formation of farmer clubs, preparation of Potential Linked Credit Plans (PLP), implementation of various subsidy schemes of Govt of India, etc. is relentlessly working towards agriculture and rural development 6

7 District Morbi State - Gujarat Division - Saurashtra 1. PHYSICAL & ADMINISTRATIVE 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 6090 No. of Sub Divisions 2 Agro-climatic Zone Agro climatic zone No 6 No. of Blocks 5 Climate Dry, Sub Humid No. of Villages (Inhabited) 407 No. of Panchayats 330 Soil Type Black & Loamy,Salty, Rocky, Shallow Sandy loam 3. LAND UTILISATION [ha]** 4. RAINFALL & GROUND WATER Total Area Reported Normal Forest Land Rainfall [in mm] 673 Actual Area Net Available for Variation from Normal (-)136 (-)231 (+)221 Permanent Pasture and Grazing Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Water [Ham] Crops Cultivable Wasteland DISTRIBUTION OF LAND HOLDING Current Fallow Holding Area Classification of Holding Other Fallow 480 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 Inensity [GCA/NSA] 107 Total 6. WORKERS PROFILE [in '000]* 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 91 Category Total Male Female Rural Urban Of the above, Small/Margil 40 Population(Census Agricultural Labourers 51 Scheduled Caste(Cens Workers engaged in Household 2 Scheduled Tribe(Cens Workers engaged in Allied Agro- 30 Literate(Census 2011) Other workers 65 BPL(Census 2011) HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 187 Having brick/stone/concrete houses Having electricity Rural Households 115 Having source of drinking water Having independent BPL Households 73 Having access to banking services Having radio/tv sets 10. VILLAGE-LEVEL INFRASTRUCTURE 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified Anganwadis Dispensaries Villages having Agriculture Power Primary Health Centres Hospitals Villages having Post Offices Primary Health Sub-Centres Hospital Beds Villages having Banking Facilities 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools Fertiliser/Seed/Pesticide Outlets Agriculture Villages having Primary Health Total N/P/K Consumption [MT] Pumpsets Energised Villages having Potable Water Certified Seeds Supplied [MT] Agro Service Centres Villages connected with Paved Pesticides Consumed [MT] Soil Testing Centres 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] Plantation nurseries Total Area Available for Irrigation Power Tillers [Nos] Farmers' Clubs [Nos] Irrigation Potential Created Threshers/Cutters [Nos] Krishi Vigyan Net Irrigated Area(Total area 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Cals / Rural/Urban Mandi/Haat [Nos] Wholesale Market [Nos] Area irrigated by Wells Length of Pucca Road [Km] Godown [Nos] Area irrigated by Tanks Length of Railway Line [Km] Godown Capacity[MT] Area irrigated by Other Sources Public Transport Vehicle [Nos] Cold Storage [Nos] 7 Irrigation Potential Utilized Goods Transport Vehicle [Nos] Cold Store 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Food Sugarcane Fruit Spices (Masala Dry-fruit Cotton Milk No of units Cap.[MT * Avg. Yield Crop Area (ha) Prod. (MT) Area (ha) Prod. (MT) [kg/ha] Castor Bajra(Pearl Millet) Wheat Sesamam Cumin Groundnut Meat Cotton Animal feed Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 17. ANIMAL POPULATION AS PER 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Catego Total Male Female Veteriry Hospitals/Dispensaries 48 Animal Markets [Nos] Cattle Disease Diagnostic Centres [Nos] Milk Collection Centres Cattle Artificial Insemition Centers Fishermen Societies Buffalo Animal Breeding Farms [Nos] Fish seed farms [Nos] Sheep Animal Husbandry Tng Centres Fish Markets [Nos] Sheep Dairy Cooperative Societies [Nos] Poultry hatcheries Goat Improved Fodder Farms [Nos] Slaughter houses [Nos] Pig MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Fish Production [MT] Per cap avail. Horse/ Egg Production [Lakh Nos] Per cap avail. Poultry Milk Production ['000 MT] Per cap avail. Poultry 7032 Meat Production [MT] Per cap avail. Sources (if not mentio District Profile Appendix -C Item Nos. 1, 6, 7, 9 & 10 - Census 2011; 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. 16-7

8 9 PLP