PLP Patan District EXECUTIVE SUMMARY. A. Introduction

Transcription

1 A. Introduction EXECUTIVE SUMMARY The predominant crops grown in Patan are Hybrid Bajra, Castor and Bt. Cotton. The other major crops cultivated are Desi Cotton, Fodder Jowar, Wheat Mustard, Cumin, Fennel, Pulses etc. About 5% of land holdings are occupied by small and marginal farmers and the average size of the holdings is 2.68 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 50.82% at Rs lakh. Term loan under agriculture is assessed at Rs lakh accounting for about 25.57% of total priority sector and forms.47% of total credit potential for Agriculture. Under MSME, Rs lakh has been assessed as potential forming 8.80% and balance at Rs lakh has been estimated for other sectors like Exports, Education, Housing, etc. The activitywise and blockwise 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 at Rs lakh representing an increase of %. Further, the PLP projection is higher by Rs lakh when compared to the total ACP Priority Sector target of Rs lakh for the year The projections under various sectors have been made keeping in view the targets and achievements of ACP as also the ground level realities and demand for investment activities. This document contained an elaborate analysis of the infrastructure scenario of the district and brought out Critical Infrastructure gaps which had a bearing on increasing the agriculture production and productivity. B. Sectorwise comments on major sectors 1. Crop Production, Maintenance and Marketing There is a need to bring all the eligible farmers into the formal credit network through Kisan Credit Cards (KCC)/Rupay Cards on a time bound manner. Better extension facilities for adoption of modern technologies / scientific cultivation practices by the farmers, provision of infrastructure facilities like warehousing, marketing infrastructure, etc. may be made available so as to ensure remunerative prices to the producers. Creating awareness among farmers on soil health cards, improved agricultural practices such as vermi culture, use of micro nutrients, biofertilizers through regular training and workshops may be given top priority. Adoption of farm mechanisation, and cultivation of suitable remunerative crops by crop rotation, effective pest and disease management are essential to step up the agricultural production. 2. Water Resources and Land Development As monsoon continues to be erratic, need for greater focus lies in water resource management. Creation of awareness among the farmers about the use of MIS viz., drip and sprinkler irrigation and change in cropping pattern to suit the climatic conditions of Sami, Harij, Santalpur and Radhanpur Blocks may be given utmost importance. Registration of Water Users Cooperative Societies may be completed expeditiously and permission to lift water may be granted by Irrigation Department to farmers. Banks may also play a proactive role by extending required credit support for MIS like drip and sprinkler to eligible farmers. There is a need for conserving soil moisture security so that more crop per drop can be achieved.. Farm Mechanisation Farm Mechanisation facilitates more productive agriculture. Diversification in use of tractors, popularisation of tractor operated reapers, custom hiring of farm equipment, community approach in farm operation etc may be encouraged to reduce the production cost and increase the productivity. 1

2 4. Plantation and Horticulture Horticulture crops could be encouraged as an alternative to the traditional cropping pattern in the district. The Departments of Horticulture and Agriculture may popularise suitable horticulture crops for development in cultivable wastelands and saline/alkaline areas. There is scope to promote nurseries, especially for date palm and pomegranate (tissue culture). Area expansion programme for premium fruit crops of the State needs to be promoted by Horticulture Department, KVK, Samoda and SDAU Research Stations at Adiya and Radhanpur may provide extension services, create awareness about new technology etc. Popularising contract farming of medicinal and aromatic plants, setting up of soil testing, quality control laboratories and testing facilities for residual limits at one place may be thought of. The agriculture graduates may be motivated to take up ACABC. Value chain management aproach can be adopted for major horticulture produce. More Solar dehydration unit for processing of leafy vegetables and fruits may be encouraged. 5. Animal husbandry Dairy farming is the very important and predominant economic activity bringing a sea change in the economy of Patan district. As dairy offers quick returns and near stable prices, banks may finance liberally ensuring tieup arrangements with Dairy farms/societies. Banks may also encourage farmers to take up calf rearing and fodder cultivation, as viable activities with financial assistance. Banks may encourage dairy development by adopting area based approach for financing in clusters. Calf rearing and setting up of Fodder Bank(s) at district / taluka head quarters could be considered to ensure availability of fodder for subsistence of animals in times of scarcity. 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. Highlights of Developments, initiatives taken, achievements, specific prescriptions etc. BARD has been supporting many projects in the country having focus on Natural Resources Management like drip irrigation, organic farming and livelihood development through NRM, watershed projects etc. under IndoGerman collaboration with support from KfW and GIZ. One such project is being implemented in Sami, Radhanpur and Santalpur Blocks of Patan district under which more than 50 SHG groups and scores of Farmers Club members are supported for various activities covered under UPNRM. D. Thrust areas for To give thrust to capital formation through absorption of bank credit necessary projections have been made for investment activities like micro irrigation systems, crop protection measures like farm fencing, provision for more storage space, production and processing of milk, farm mechanisation and land development etc. Formation, saving and credit linkage of Self Help Groups (SHGs) and Joint Liability Groups (JLGs) have been given due importance and projections have been made accordingly. For the last few years, it is observed that capital formation is not taking place in the desired manner. With a view to address this issue, three Area based Schemes have been prepared and incorporated in the PLP for financing of Dairy Units with 10 animals, Pomegranate Plantation in 1 ha model and farm fencing by various banks in 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 coordinated efforts of all the stakeholders, especially by better monitoring and review at block and district level forum, effective implementation of Financial Inclusion Plans. 2

3 Broad Sectorwise PLP Projections Sr. No. A Farm Credit Particulars (Rs. Lakh) PLP Projections i Crop Production, Maintenance and Marketing ii Term Loan for agriculture and allied activities Sub Total B Agriculture Infrastructure C Ancillary activities I Credit Potential for Agriculture (A+B+C) II Micro, Small and Medium Enterprises III Export Credit IV Education V Housing VI Renewable Energy 95.6 VII Others VIII Social Infrastructure involving bank credit Total Priority Sector (I to VIII)

4 Summary of Sector / Subsector wise PLP projections Sr. No. I A Particulars Credit Potential for Agriculture Farm Credit (Rs.lakh) PLP Projections i Crop Production, Maintenance and Marketing ii Water Resources iii Farm Mechanisation iv Plantation and Horticulture (including sericulture) v Forestry and Waste Land Development 7.24 vi Animal Husbandry Dairy vii Animal Husbandry Poultry viii Animal Husbandry Sheep, Goat, Piggery, etc ix Fisheries (Marine, Inland, Brackish water) 6.15 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 biotechnology, 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 ii disposing of their produce, 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 Investment Credit ii MSME Working Capital Total MSME III Export Credit IV Education V Housing VI Renewable Energy 95.6 Others (Loans to SHGs/ JLGs, loans to distressed persons to VII prepay noninstitutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) VIII Social Infrastructure involving bank credit Total Priority Sector

5 5 PLP

6 District Patan Total Geographical Area (Sq.km) 5740 No. of Sub Divisions 2 Agroclimatic Zone Gujarat Plains & Hills Region North Gujarat No. of Blocks 9 Climate Arid to semiarid No. of Villages (Inhabited) 518 No. of Panchayats 464 Soil Type Grey brown, coastal alluvium, Saline, Sandy. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported Normal Actual Forest Land Rainfall [in mm] Area Not Available for Cultivation 1558 Variation from Normal () Permanent Pasture and Grazing Land 2841 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 0 Water [Ham] Cultivable Wasteland DISTRIBUTION OF LAND HOLDING (Agriculture Census ) Current Fallow 2900 Holding Area Classification of Holding Other Fallow 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] 1.1 Total WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE( # Provisional 2011) [in '000] Cultivators 152 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 81 Population # Agricultural Labourers 189 Scheduled Caste Workers engaged in Household Industries 192 Scheduled Tribe Workers engaged in Allied Agroactivities 9 Literate # Other workers 18 BPL (Families) HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 228 Having brick/stone/concrete houses Having electricity supply 156 Rural Households 172 Having source of drinking water 518 Having independent toilets BPL Households 47 Having access to banking services 518 Having radio/tv sets VILLAGELEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 518 Anganwadis 1426 Dispensaries GH/SDI/MC) Villages having Agriculture Power Supply 518 Primary Health Centres (PHCs) 4 Hospitals(CHCs) 15 Villages having Post Offices 265 Primary Health SubCentres 210 Hospital Beds 1161 Villages having Banking Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools Fertiliser/Seed/Pesticide Outlets [Nos] 418 Agriculture Pumpsets[Nos] 5824 Villages having Primary Health Centres Total N/P/K Consumption [MT] 091 Pumpsets Energised [Nos] 541 Villages having Potable Water Supply 518 Certified Seeds Supplied [MT] 5200 Agro Service Centres [Nos] 19 Villages connected with Paved Approach Roads 518 Pesticides Consumed [MT] Soil Testing Centres [Nos] 1. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] Plantation nurseries [Nos] Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] Farmers' Clubs [Nos] 29 Irrigation Potential Created Threshers/Cutters [Nos] KVKs [Nos] 1 Net Irrigated Area(Total area irrigated at least once) INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 5800 Rural/Urban Mandi/Haat [Nos] Wholesale Market [Nos] 8 Area irrigated by Wells Length of Pucca Road [Km] 607 Warehouse Godown [Nos] 460 Area irrigated by Tanks 51 Length of Railway Line [Km] 10 Godown Capacity[MT] 2100 Area irrigated by Other Sources Tuewells Public Transport Vehicle [Nos] 568 Cold Storage [Nos] 5 Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] 2785 Cold Store Capacity[MT] 15. AGROPROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Food (Rice/Flour/Dal/Oil) Category of animal Total Male Female District Profile State Gujarat 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Type of Processing Activity Sugarcane (Gur/Khandsari/Sugar) Fruit (Pulp/Juice/Fruit drink) Spices (Masala Powders/Pastes) Dryfruit (Cashew/Almond/ Raisins) Cotton (Ginnining/Spinning/ Weaving) Milk (Chilling/Cooling/ Processing) Meat (Chicken/Motton/Dryfish) Animal feed (Cattle/Poultry) No of units Cap.[MT] Avg. Yield Crop Area in '00' Ha Production Area in '00' Production in 98 [Kg/Ha] in '00' MT Ha '00' MT Bajra Castor Cotton Wheat Pulses Cumin Mustard ANIMAL POPULATION AS PER CENSUS INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Vet. Hospitals/Dispensaries [Nos] 65 Animal Markets [Nos] Cattle Cross bred Disease Diagnostic Centres [Nos] 2 Milk Collection Centres [Nos] 456 Cattle Indigenous Artificial Insemination Centers [Nos] 219 Fishermen Societies [Nos] Buffaloes Animal Breeding Farms [Nos] 2 Fish seed farms [Nos] Sheep Cross bred Animal Husbandry Tng Centres [Nos] 2 Fish Markets [Nos] Sheep Indigenous Dairy Cooperative Societies [Nos] 456 Poultry hatcheries [Nos] Goat Improved Fodder Farms [Nos] Slaughter houses [Nos] 1 Pig Cross bred MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY (200910) Pig Indigenous Fish Production [MT] Per cap avail. [gm/day] Horse/Donkey/Camel Egg Production [Lakh Nos] Per cap avail. [nos/p.a.] Poultry Cross bred 2785 Milk Production ['000 MT] 4.69 Per cap avail. [gm/day] 249 Poultry Indigenous 5292 Meat Production [MT] Per cap avail. [gm/day] Sources (if not mentioned against the respective item): Item Nos. 1, 6, 7, 9 & 10 Census 2011(p)/Dist.Stat.Dep.; Item Nos. 2,, 5, 12, 1 & 14 Dept. of Agr/Dir. R& B JP.; Item No. 4 Dept. of Agr./Water Resources; Item No. 8 BPL Survey 2002; Item No. 15 District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 DACNET; Item No. 17 AH Census 2012; Item Nos. 18 & 19 Dir. of Animal Hus./Dir. of Eco. & Stat. 6

7 District Patan State Gujarat Lead Bank Dena Bank 1. NETWORK & OUTREACH (As on 1/0/2014) No. of No. of Branches No. of nonformal agencies assoiated Per Branch Outreach Banks/Soc. Total Rural Semiurban 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 Others All Agencies DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs.'000] Growth( 1 Mar 1 1 Mar 14 1 Mar 15 Growth(%) Share(%) 1 Mar 1 1 Mar 14 1 Mar 15 %) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.'000] Growth( 1 Mar 12 1 Mar 1 1 Mar 14 Growth(%) Share(%) 1 Mar 1 1 Mar 14 1 Mar 15 %) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks Others LDB All Agencies CDRATIO 5. PERFORMANCE UNDER FINCIAL INCLUSION (No. of A/cs) CD Ratio During Cumulative 1 Mar 1 1 Mar 14 1 Mar 15 Deposit Credit Deposit Credit Commercial Banks Commercial Banks Regional Rural Bank Regional Rural Bank 0 0 Cooperative Banks Cooperative Banks Others Others All Agencies All Agencies PERFORMANCE TO FULFILL TIOL GOALS (As on 1/0/2014) Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Amount % of Total Amount % of Total Amount % of Total Amount % of Total Amount % of Total [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies AGENCYWISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Target Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment [Rs. Ach'men Ach[%] in [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] '000] t [%] last years Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies SECTORWISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Broad Sector Target Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment [Rs. Ach'men Ach[%] in [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] '000] t [%] last years Crop Loan Term Loan (Agr) Total Agri. Credit NonFarm Sector Other Priority Sector Total Priority Sector RECOVERY POSITION Average Rec. Demand Recovery Recovery Demand [Rs. Recovery [Rs. Recovery Demand Recovery [Rs. Recovery [%] in last [Rs. '000] [Rs. '000] [%] '000] '000] [%] [Rs. '000] '000] [%] years Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies Sources : Lead Bank & SLBC Banking Profile 8