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 Gir Somnath is primarily an agricultural district with Cotton, Groundnut and Sugarcane as the predominant crops. The other major crops cultivated are wheat, sesam, bajara, jowar. About 71 % of land holdings are with small and marginal farmers and the average size of the holdings is 2.0 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 Rs lakh, of which, Crop Production sector has a major share of % at ` lakh. Term loan under agriculture is assessed at ` lakh accounting for about 3.3 % of total agriculture. Under MSME, ` lakh has been assessed as potential forming 7.63% and balance at ` lakh has been estimated for other sectors like Exports, Education, Housing,. The activity-wise and block-wise assessment of potential is presented in Annexure I. The PLP projection for is higher by Rs lakh when compared to the PLP for the year representing an increase of 42.%. Further, the PLP projection is higher by ` lakh when compared to the ACP target for the year Suggested action Points in respect of major sectors and infrastructure/non-credit inputs are as under: B. Sector-wise comments on major sectors 1. Crop Production, Maintenance and Marketing There is need to adopt of advanced technologies for the restoration of soil health, increase mechanisation, and cultivation of suitable remunerative crops. Effective pest and disease management are essential to step up the agricultural production. Modern methods of cultivation like Precision farming for Vegetables, Drip irrigation for cotton, Sprinkler irrigation for groundnut. 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. Banks may encourage marketing credit on the basis of Negotiable Warehouse Receipt issued by accredited godowns. 2. Water Resources and Land Development As monsoon continues to be erratic, need for greater focus lies in water resource management. 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. Salinity ingression has affected coastal areas. There is a need to encourage change in the cropping pattern from high irrigation density crops to low irrigation density crops in the coastal belt. 3. 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 financing to enable SF/MF to purchase farm machineries and equipment. Banks may come forward to finance power tillers as it is affordable and very useful for small and marginal farmers 4. Plantation and Horticulture Horticulture crops could be encouraged as an alternative to the traditional 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 1

2 Agriculture may popularise suitable horticulture crops for development in cultivable wastelands and saline/alkaline areas. 5. Animal husbandry Animal husbandry, particularly dairy is the most suitable subsidiary occupation. As dairy offers quick returns and near stable prices, banks may finance liberally ensuring tie-up arrangements with Dairy farms/societies. Banks may also encourage farmers to take up calf rearing and fodder cultivation, as viable activities with financial assistance. 6. 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 offer 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. Thrust areas for : The PLP document lays emphasis on the following areas and calls for collective participation of all stakeholders in the district to firm up the credit plan and to work towards achievement of targets for the year Looking to the potential and available infrastructure, two activities i.e. Land Development and Silt Application have been identified under Area Development Plan. Critical infrastructure support in various sectors as identified in Chapter 4. Ensuring capital formation in agriculture by financing potential sectors mainly Farm Mechanization, Rural godowns, Dairy and Food and Agro processing. Capacity building of SHGs ( Sakhimandals ) and upscaling of SHG linkage Effective implementation of Financial Inclusion plans including coverage of Oral Lessees, Tenant Farmers as Joint Liability Groups,. 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 projections Sr.No. Particulars PLP Projections A Farm Credit (Rs. lakh) I Crop Production, Maintenance and Marketing B C I IV V VI V VI Term Loan for agriculture and allied activities Agriculture Infrastructure Ancillary Activities Credit Potential for Agriculture (A+B+C) Micro, Small and Medium Enterprises Export Credit Education Housing Renewable Energy Social Infrastructure involving bank credit Total Priority Sector (I to VI) Sub Total PLP Crop loan Term Loan for Agriculture Agriculture Infrastructure Ancillary Activity MSME Export credit Education Housing Renewable Energy Social Infrastructure 3

4 Summary of Sector / Sub-sector wise PLP projections (` lakh) Sr.No. Particulars PLP Projections I A Credit Potential for Agriculture 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 vi Animal Husbandry Dairy vii Animal Husbandry Poultry vii Animal Husbandry Sheep, Goat, Piggery, ix Fisheries (Marine, Inland, Brackish water) x Bullock, Bullock cart, B i ii iii C i ii I I IV V VI V VI Agriculture Infrastructure Sub Total Construction of storage facilities (Warehouses, Market yards, Godowns, Silos, Cold storage units/ Cold storage chains) Land development, Soil conservation, Watershed development (Tissue culture, Agri bio-technology, Seed production, Bio pesticides/ fertilizers, Vermin composting) Sub Total Ancillary Activities Food and Agro processing (Loans to Cooperative Societies of farmers for disposing of their produce, Agri Clinics/ Agri Business Centres, Loans to PACS / FSS/ LAMPS, Loans to MFIs for on lending) Sub Total Total Agriculture Micro, Small and Medium Enterprises MSME Working capital MSME Investment credit Total MSME Export Credit Education Housing Renewable Energy Social Infrastructure involving bank credit Total Priority Sector

5 5 PLP

6 District - Gir Somnath State - Gujarat Division - Saurashtra 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) No. of Sub Divisions No. of Blocks No. of Villages (Inhabited) No. of Panchayats Total Area Reported Forest Land Land under Miscellaneous Tree Crops Cultivable Wasteland Current Fallow Other Fallow Net Sown Area Total or Gross Cropped Area Area Cultivated More than Once Cropping Inensity [GCA/NSA] Cultivators Workers engaged in Allied Agro-activities Other workers Total Households Rural Households BPL Households Villages Electrified 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] Villages having Agriculture Power Supply Villages having Post Offices Villages having Banking Facilities Villages having Primary Schools Total Area Available for Irrigation (NIA + Fallow) Irrigation Potential Created 6. WORKERS PROFILE [in Of the above, Small/Marginal Farmers Agricultural Labourers 3. LAND UTILISATION [Ha] Area Not Available for Cultivation & non agri Permanent Pasture and Grazing Land Workers engaged in Household Industries 8. HOUSEHOLDS [in Villages having Primary Health Centres Villages having Potable Water Supply Villages connected with Paved Approach Roads 13. IRRIGATION COVERAGE [Ha] 3755 nil Normal Rainfall [in mm] Variation from Normal Availability of Ground Net annual recharge Net annual draft Balance - Water [Ham] - 5. DISTRIBUTION OF LAND HOLDING 642 Area Classification of Holding Holding 4175 % to Total Ha. % to Total <= 1 Ha >1 to <=2 Ha >2 Ha Total DEMOGRAPHIC PROFILE [in 150 Category Total Male Female Rural Urban 72 Population Scheduled Caste Scheduled Tribe Literate BPL HOUSEHOLD AMENITIES [Nos. in '000 Households] Having brick/stone/concrete houses Having electricity supply Having source of drinking water Having independent toilets Having access to banking services Having radio/tv sets 31 Anganwadis 448 Dispensaries Primary Health Centres 65 Hospitals 31 Primary Health Sub-Centres 26 Hospital Beds District Profile Agro-climatic Zone Climate Soil Type 31 Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos] 31 Total N/P/K Consumption [MT] Pumpsets Energised [Nos] 31 Certified Seeds Supplied [MT] Agro Service Centres [Nos] 31 Pesticides Consumed [MT] Soil Testing Centres [Nos] 2 Agriculture Tractors [Nos] Gir Somnath comes under ACRF region No. 13 (7) Dry Sub humid Medium to shallow black soil in all blocks and calcareous soil in Veraval and Sutrapada, Brackish soil in the costal region of Veraval 4. RAINFALL & GROUND WATER 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Plantation nurseries [Nos] Power Tillers [Nos] Farmers' Clubs [Nos] Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 5048 Rural/Urban Mandi/Haat [Nos] 55 Wholesale Market [Nos] Area irrigated by Wells Length of Pucca Road [Km] 16 Godown [Nos] Area irrigated by TANKS 200 Length of Railway Line [Km] 11 Godown Capacity[MT] MT Area irrigated by other sources 600 Public Transport Vehicle [Nos] Cold Storage [Nos] Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] Cold Store Capacity[MT] AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS No of Type of Processing Activity Cap.[MT] units Crop Food (Ground nutflour/dal/oil/tea/coffee) 8 Area (Lakh Ha) Prod. (00'MT) Area (Lakh Prod. (00'MT) Ha) Avg. Yield [Kg/Ha] Yield(Kg/Ha ) Sugarcane (Gur/Khandsari/Sugar) 3 Groundnut Fruit (Pulp/Juice/Fruit drink) 3 Cotton Spices (Masala Powders/Pastes) 2 Bajra Dry-fruit (Cashew/Almond/Raisins) - Wheat Cotton (Ginnining/Spinning/Weaving) 25 Sugarcne Milk (Chilling/Cooling/Processing) 10 Gram Meat (Chicken/Motton/Pork/Dryfish) 28 Cumin on 15 August 2013, the separate data for both the districts not available Animal feed (Cattle/Poultry/Fishmeal) 4 Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 17. ANIMAL POPULATION AS PER CENSUS 2012 [in 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 60 Animal Markets [Nos] Cow - Cross bred Disease Diagnostic Centres [Nos] Milk Collection Centres 85 Cow - indigenous Artificial Insemination Centers [Nos] 1 Fishermen Societies [Nos] 135 Buffaloes Animal Breeding Farms [Nos] Fish seed farms [Nos] 7 Sheep - Cross bred Animal Husbandry Tng Centres [Nos] Fish Markets [Nos] 5 Sheep - Indigenous Dairy Cooperative Societies [Nos] 68 Poultry hatcheries [Nos] Goat Improved Fodder Farms [Nos] Slaughter houses [Nos] 3 Pig - Cross bred MILK, FISH, EGG PRODUCTION ILABILITY Pig - Indigenous Fish Production [lakh MT] 5.2 Horse/Donkey/Camel Egg Production [Lakh Nos] 42 Poultry - Cross bred Milk Production ['000 MT] Poultry - Indigenous Meat Production 000 [MT] Sources (if not mentioned Item Nos. 1, 6, 7, & 10 - Census 2001; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of against the respective item): 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 2012@ (for erstwhile Junagadh); Item Nos. 18 & 1 - Dir. of Animal Hus./Dir. of Eco. & Stat.The items no 1to 7 is of bifurcated Junagadh district data and others are of erstwhile Junagadh dist data 6

7 Banking Profile District - Gir Somnath State Gujarat Lead Bank - State Bank of India 1. NETWORK & OUTREACH (As on 31/03/2014) No. of Banks/Soc. No. of Branches No. of non-formal agencies assoiated Per Branch Outreach Total Rural Semi-urban Urban mfis/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Banks Regional Rural Bank District Central Coop. Bank Coop. Agr. & Rural Dev. Bank Primary Agr. Coop. Society (Pvt sector) All Agencies outstanding data for Junagadh) Deposits (@ erstwhile No. of accounts Amount of Deposit [ Rs in 000) 31/3/2013 erstwhile 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar-15 Growth(%) Share(%) Junagadh Commercial Banks Regional Rural Bank Cooperative Banks All Agencies LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan outstanding 31/3/2013 erstwhile 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar-15 Growth(%) Share(%) Junagadh Commercial Banks Regional Rural Bank Cooperative Banks All Agencies CD-RATIO 5. PERFORMANCE UNDER FINCIAL INCLUSION (No. of A/cs) CD Ratio During Cumulative 31/3/2013 erstwhile 31-Mar Mar-15 Deposit Credit Deposit Credit Junagadh Commercial Banks Commercial Banks Regional Rural Bank Regional Rural Bank Cooperative Banks Cooperative Banks All Agencies All Agencies PERFORMANCE TO FULFILL TIOL GOALS (As on 31/03/2015) Priority Sector Loans Amount % of Total Loans to Agr. Sector Amount % of Total Loans Loans to Weaker Sections Amount % of Total Loans under DRI Scheme Loans to Women Amount % of Total Loans Amount % of Total Loans Loans Loans Commercial Banks Regional Rural Bank Cooperative Banks All Agencies AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Target Ach'ment [Rs Target Target Average Ach[%] in last 3 years Commercial Banks Regional Rural Bank Cooperative Banks All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Broad Sector erstwhile Junagadh Target Ach'ment Target [Rs. Target Average Ach[%] in last 3 years Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector RECOVERY POSITION erstwhile J unagadh Demand [Rs. Recovery [Rs. Recovery [%] Demand [Rs Recovery [Rs. Demand [Rs. Recovery [Rs. Recovery [%] Recovery [%] Average Rec. [%] in last 3 years Commercial Banks Regional Rural Bank Cooperative Banks All Agencies Sources : Lead Bank returns & SLBC ( Item pertaining to 31 Mar 15 in col.no 1,3,7 8 & are of new bifurcated district where as others are of erstwhile Junagadh district.