District Profile. State - WEST BENGAL

Transcription

1 District Profile District - NADA State - WEST BENGAL 1. PHYSCAL & ADMNSTRATVE FEATURES 2. SOL & CLMATE Total Geographical Area (Sq.km) 3927 Agro-climatic Zone LOWER GANGETC PLANS.. CENTRAL ALLUVAL PLANS No. of Sub Divisions 4 No. of Blocks 17 Climate MOST SUBHUMD TO DRYSUBHUMD No. of Villages (nhabited) 2637 Soil Type RED & YELLOW, DELTAC, ALLUVAL, RED, LOAMY No. of Panchayats LAND UTLSATON [Ha] 4. RANFALL & 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 70 Availability of Ground Water [Ham] Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops Cultivable Wasteland DSTRBUTON OF LAND HOLDNG Current Fallow 6900 Classification of Holding Holding Area Other Fallow 680 Nos. %tototal Ha. %tototal Net Sown Area <-1Ha % % Gross Cropped Area >1 to <-2 Ha % % Net Cropped / Sown Area >2Ha % % Cropping nensity [GCAjNSA] 280 Total WORKERS PROFLE [in '000] 7. DEMOGRAPHC PROFLE [in '000] Cultivators 309 Category Total Male Female Rural Urban Of the above, SmallfMarginal Farmers 247 Population Agricultural Labourers 556 Scheduled Caste Workers engaged in Household ndustries 169 Scheduled Tribe Workers engaged in Allied Agro-activities NA Literate Other workers 809 BPL B.HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENTES [Nos. in '000 Households] Total Households ( estimated ) Having brick/stone/concrete houses NA Having electricity supply Rural Households Having source of drinking water Having independent toilets BPL Households Having access to banking services Having radiojt.:v sets NA 10. VLLAGE-LEVEL NFRASTRUCTURE [Nos] 11. NFRASTRUCTURE RELATNG TO HEALTH & SANTATON [Nos] Villages Electrified 1233 Anganwadis 275 Dispensaries 153 Villages having Agriculture Power Supply 1233 Primary Health Centres 50 Hospitals 12 Villages having Post Offices 458 Primary Health Sub-Centres 531 Hospital Beds 5795 Villages having Banking Facilities NFRASTRUCTURE & SUPPORT SERVCES FOR AGRCULTURE No of Primary Schools 2614 Fertiliser/SeedfPesticide Outlets [Nos] 3687 Agriculture Pumpsetsj Nos] Villages having Primary Health Centres 50 Total NfPfK Consumption [MT] Pumpsets Energised [Nos] 3057 Villages having Potable Water Supply 128 Certified Seeds Outlets (Nos) 729 Agro Service Centres [Nos] 3671 Villages connected with Paved Approach Roads 650 Pesticides Consumed [MT] 834 Soil Testing Centres [Nos] RRGATON COVERAGE [Ha] Agriculture Tractors [Nos] 1789 Plantation nurseries [Nos] 15 Total Area Available for rrigation (NA + Fallow) Power Tillers [Nos] 3062 Farmers' Clubs [Nos] 405 rrigation Potential Threshers/Cutters [Nos] 1828 Krishi Vigyan Kendras[Nos] 1 Net rrigated Area(Total area irrigated at least once) NFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETNG Area irrigated by Canals / Channels RuralfUrban MandifHaat [Nos] 10 Wholesale Market [Nos] 4 Area irrigated by Wells Length of Pucca Road [Km] 1248 Godown [Nos] 829 Area irrigated by Tanks 9720 Length of Railway Line [Km] 230 Godown Capacity[MT] Area irrigated by Other Sources 9865 Public Transport Vehicle [Nos] Cold Storage [Nos] 7 rrigation Potential Utilized (Gross rrigated Area) Goods Transport Vehicle [Nos] 5629 Cold Store Capacity[MT] AGRO-PROCESSNG UNTS 16. AREA, PRODUCTON & YELD OF MAJOR CROPS Type of Processing Activity No of units Cap. [MT] Crop Avg. Yield [<!'/Ha] Food (Rice/Plour/Dal/Oil/Tea/Coffee] 17 NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) Yield(KglHa) Sugarcane (GurfKhandsarifSugar) NA NA AmanPaddy Fruit (Pulp/JuicefFruit drink) 3 40 Borro Paddy Spices (Masala Powders/Pastes) 6 NA Wheat Dry-fruit (Cashew/AlmondfRaisins) NA NA Pulses Cotton (GinnininglSpinninglWeaving) NA NA Oil Seeds Milk (ChillinglCoolinglProcessing) Jute bales Meat (ChickenfMottonfPorkfDryfish) NA NA Vagetable NA Animal feed (CattlefPoultryfFishmeal) 3 NA Production oj Cottoniiint), jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in ndia) 17. ANMAL POPULATON AS PER CENSUS 2012 [in '000] lb. NFRASTRUCTURE FOR DEVELOPMENT OF ALLED ACTVTES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 98 Animal Markets [Nos] Plough animals 64 NA NA Disease Diagnostic Centres [Nos] Milk Collection Point [Nos] Cows 559 NA NA Artificial nsemination Centers [Nos] 349 Fishermen Societies [Nos] 87 Buffaloes Animal Breeding Farms [Nos] 2 Fish seed farms [Nos] 22 Sheep - Cross bred Animal Husbandry Tng Centres [Nos] 4 Fish Markets [Nos] 85 Sheep - ndigenous Dairy Cooperative Societies [Nos] 285 Poultry hatcheries [Nos] 4 Goat mproved Fodder Farms [Nos] 3 Slaughter houses [Nos] 1 Pig - Cross bred MLK, FSH, EGG PRODUCTON & THER PER CAPTA AVALABLTY Pig - ndigenous Fish Production [MT] Per cap avail. [gmfday] 41 Horse/Donkey/Camel 1.5 NA NA Egg Production [Lakh Nos] 1958 Per cap avail. [nos/p.a.] 43 Poultry - Cross bred 1008 NA NA Milk Production ['(XX) MT] 2.07 Per cap avail. [gmfday] 296 Poultry - ndigenous 1190 NA NA Meat Production [MT] Per cap avail. [gmfday] 50 Sources (if not mentioned against the temnos., 6,7,9 & 10-Dist Stat2013itemNos. 2,3,5, 12,13& 14 Dept. ofagrjdir. ofeco. & Stat.: temno. 4 -Dept. ofagr.jwater Resources,temNo. 8 BPLSurvey 2OO2i tem respective item); No. 15- Districtnd CentrejDir. ofeco.& Stat. temno.16 DACNEri temno & 19- Dir. ofanimalhus./dir. ofeco.& Stat.

2 Banking Profile District - NADA State - WEST BENGAL Lead Bank- UNTED BANK OF NDA 1. NETWORK & OUTREACH (As on 31/03/2015) No. of Agency No. of Branches No. of non-formal agencies associated Bank Outreach Banks/Soc. Rural/Semi Total Urban mfls/mfos SHGs/JLGs BCs/BFs Villages Households Urban Commercial Banks NA Regional Rural Bank NA District Central Coop. Bank NA NA Nil 673 NA Coop. Agr. & Rural Dev. Bank NA NA Nil NA NA Primary Agr. Coop. Society NA Nil Private Bank NA NA NA NA NA All Agencies NA NA DEPOSTS OUTSTANDNG Agency No. of accounts Amount of Deposit [Rs.'OOO] 31-Mar Mar Mar Mar-15 Growth(%) 31-Mar-13 Share(%) 31-Mar-13 Share(%) Commercial Banks Regional Rural Bank Cooperative Banks Private Bank All Agencies LOANS & ADVANCES OUTSTANDNG Agency No. of accounts Amount of Loan [Rs.'OOO] 31-Mar Mar Mar-15 Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks NA #VALUE! Regional Rural Bank NA #VALUE! Cooperative Banks NA #VALUE! WBFC Private Banks NA #VALUE! All Agencies #VALUE! CD-RATO 5. PERFORMANCE UNDER FNANCAL NCLUSON (No. of Ales) Agency CD Ratio Agency During Cumulative 31-Mar Mar Mar-15 Deposit Credit Deposit Credit Commercial Banks Commercial Banks NA NA NA NA Regional Rural Bank Regional Rural Bank NA NA NA NA Cooperative Banks Cooperative Banks NA NA NA NA Private Bank Private Bank NA NA NA NA All Agencies All Agencies NA NA NA NA Agency Priority Sector Loans 6. PERFORMANCE TO FULFLL NATONAL GOALS (As on 31/03/2015) Loans Aar. to Sector Loans to Weaker Sections Loans under DR Scheme Loans to Women Amount % of Total Amount Amount [Rs.'OOO] % of Total Amount % of Total Amount % of Total [Rs.'OOOl Loans [Rs.'OOOl Loans [Rs.'OOOl Loans [Rs.'OOOl Loans Commercial Banks NA NA Regional Rural Bank NA NA Cooperative Banks NA NA Private Bank NA NA All Agencies NA NA AGENCY-WSE PERFORMANCE UNDER ANNUAL CREDT PLANS Agency Target Ach'ment Ach'ment Ach'ment 'nnm "nnm Ach' [%] Target ['000] Ach' [%] Target ['000] Ach' [%] -nnm "nnm Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies SECTOR-WSE PERFORMANCE UNDER ANNUAL CREDT PLANS Broad Sector ,.,"" Aeh [akhs] Ach' [%] Target [akhs] Aeh [akhs] Ach' [%],.,""' Aeh [akhs] Ach' [%] Crop Loan % Term Loan (Agr) % Total Agri. Credit % Non-Farm Sector % Other Priority Sector % Total Priority Sector % 9. RECOVERY POSTON Agency Demand ['000] ['000] [%] Demand ['000] ['000] [%] Demand ['000] ['000] [%] Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies Sources: Lead Bank & SLBC Sources: Lead Bank & SLBC

3 PLP NADA EXECUTVE SUMMARY ntroduction: n tune with its mandate and msson, NABARD had initiated several steps for promotion of sustainable and equitable agriculture and rural prosperity during last three decades. One of the most important initiatives was to prepare Potential Linked Credit Plans (PLPs) which is being updated every year highlighting the credit absorption / demand of each sub-sector of the district economy based on the latest position and need of the economy. The task of attaining more than 4% growth in agriculture and allied sector needs capital formation in private sector through institutional credit as highlighted by GO and NABARD is considered as the thrust / theme of credit planning and credit dispensation for While preparing the document and arriving at projected credit flow as also strategies to achieve it, the following six missions on Agriculture as declared by GO have been considered. National Mission for Sustainable Agriculture including Micro rrigation National Mission on Agriculture Extension Technology Mission for ntegrated Development of Horticulture (subsumes ntervention under NHM) National Food security Mission National Mission on Oil Seeds and Oil Palm and National Mission for Protein Supplement About the District: Agricultural Scenario in Nadia District Agriculture is the primary occupation in the district and about 70 per cent of the rural population depends on agriculture for their livelihood. Within six agro-climatic zones, namely "Hill zone", "Terai zone", "Old Alluvial Zones", "New Alluvial zones", "Laterite zone" and "Saline Coastal zone", Nadia District falls in "New Alluvial zones" and the distribution of major crops is as under. Demographic profile of the district ndia KM A adia Decrease by 3.91% Decrease by 6.54 %

4 PLP NADA Occupation and Farmers. Main occupation of the district is agriculture. No of Farm holding is SFjMF are 96% There are bargadars and patta holders. About persons are agriculture labourers which forms 9.60 percent of the total work force of the district. Land under major crops Land under Major Crops S.N crop Land (in hal % land use S.N crop Land (in % land use hal 1 Aus paddv Pulses Arnan paddy Oilseeds Boro paddy Potato Total paddy Vegetables Wheat & Maize Jute Production and Productivity of major Agriculture crops Crop Production in the district (in '000 tones) % of State Productivity kgjha Wheat Paddy Jute ('000 bales) bale Potato Sugarcane Banking network and Trend in Credit Flow: The District is having 20 Commercial Banks in addition to RRB viz Bangyia Gramin Vikash Bank, Nadia District Central Co-operative Bank and Nadia ARDB and WBFC functioning through 301 branches of which 185 rural and 72 semi urban branches. There are 323 Primary Agriculture Credit Societies and number of ATMs are 371. Sectoral trend in credit flow for last three years ('f lakhs) SrNo Sector Crop Loan Agri Term Loan Total of Agri & Allied sector MSME OPS Total Priority Sector (3+4+5) Achievement under District Credit Plan 80.12% 82.23% Ground level credit for Agri & Allied activities: The district administration is very much keen to provide agri credit to all farmers to facilitate smooth agrarian operation in the district. As on 31 March 2015, the total KCCs were having increased by during current year. The CD ratio of the district has increased by 16% during to 52.32%. There has been a growth of 28% in deposit during last two years, whereas there has been a growth of 95% in credit disbursement during the same period enhancing CD Ratio from 34% during 2013 to 52% during Average recovery of all the banks in the district is at 62.95% The estimated exploitable potential of the district for keeping in view the credit absorption capacity of various sub-sectors, trend in credit flow and lendable funds in the hands of banks stands at ~ Lakhs.

5 PLP NADA BROAD SECTORWSE PLP PROJECTON ('f lakhs) S.N Sector PLP Projections ii Term loan for agriculture and allied activities Sub total B Agriculture nfrastructure C Ancillary activities Credit potential for agriculturet.as-bs-c) MSME Export Credit V Education V Housing V Renewable Energy V Others V Social nfrastructure involving bank credit Total Priority sector( to V) Major Constraints and suggested action points: State Govt : Due to continuous fragmentation of lands and lack of updated land record data, banks find difficult in financing under KCC. Govt's initiatives in making available digital land record data to banks may facilitate in extending crop loan to SFjMF. Banks: The district is suffering from low CD Ratio for last few years. Keeping in view the very good cropping intensity, irrigation coverage, presence of a good number of progressive farmers with various cash crops including high value horticulture crops, presence of SAU and other training institute, the banks need to take further initiatives in increasing their lending under promising sectors viz horticulture, fisheries, ARD, MSME and OPS which will increase CDR of the District and create healthy credit portfolios of the banks as also satisfy national goal. New area based scheme: There is a need to develop and support agri and allied activities through area based approach as detailed in Chapter The area approach may help in aggregation, increasing credit flow, minimizing risk, ensuring extension and marketing support. Under area based scheme, traditional agri and allied activities may also be taken up with involvement of local institutions like SHGs, JLGs, and Producers' Organisation leading to faster commercialization of agriculture practices which may ensure increased GLC. Critical nfrastructure: While emphasizing on commercialization of agriculture with increased credit flow through new entrepreneurs, there needs to be initiatives to ensure improved connectivity, storage, marketing and creation of value chain with focus on institutional credit in various phases of the chain.

6 PLP NADA Thrust Areas for : Thrust areas for next year need to address the basic problems of SF/MF, SHGs, and JLGs, creating their capacity to enhance farmers' income and district GDP, encouraging existing and new entrepreneurs in promising sectors of the district economy i.e Horticulture, Fisheries, ARD and MSME, post-harvest infrastructure, food processing, producer's organization, area evelopment plans/schemes, etc. as applicable to the district. Monitoring system and review mechanism: The lead Bank office has been organising block and district level meeting to review the progress of banking plan and implementation of various govt sponsored banking programmes. There is a need to improve the monitoring system within lead bank scheme in the areas Reporting system and generation of lead bank return under SAMS The meetings need to be organized on data generated under SAMS. Quarterly BLBCs need to review critically the progress and resolve constrains. The progress under F. needs to be discussed thoroughly in all banking forums and the schemes like SHG, KCC, JLG, Artisan Cards, Weavers' card etc need to be made more accessible to target population with ultimate impact on Financial nclusion.

7 PLP NADA Appendix B to Annexure 1 Sector/ Sub-sector wise PLP Projections (Uakh) Sr Particulars PLP projections No Credit Potential for Agriculture A Farm Credit 1 Crop Production, Maintenance and Marketing i Water Resources ii Farm Mechanisation v Plantation and Horticulture (including sericulture) v Forestry and Wasteland development V Animal Husbandry - Dairy Vii Animal Husbandry-Poultry Viii Animal Husbandry-Sheep, goat, piggery etc x Fisheries(Marine, nland, brackish water) X Others-bullock, bullock cart etc Subtotal B Agriculture nfrastructure Construction of storage facilities(warehouses, market yards, godowns, silos, cold storage units/cold storage chains) i Land development, soil conservation, watershed development ii Others (Tissue culture, Agri Bio-technology, seed production, bio pesticides/fertilisers, vermin composting) SubTotal C Ancillary activities Food and agro processing i Others(Loans to Co-operative societies of farmers for disposing of their produce, Agri clinics/ Agri business centres, Loans to PACS/FSS/LAMPS, Loans to MFls for on lending. SubTotal Total Agriculture Micro, Small and Medium Enterprise MSME- Working Capital i MSME- nvestment Credit Total MSME Export Credit V Education V Housing V Renewable Energy V Others(Loans to SHGs/JLGs, Loans to distressed persons to prepay non institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST. V Social nfrastructure involving Bank credit Total priority sector

8 PLP NADA Murshidabad Bardhaman Hooghly Boundary n 12 n ~tion al Dis i<:t p Road Rail River 1111 H! 24-Parganas(N)