Bengaluru Rural PLP EXECUTIVE SUMMARY

Transcription

1 EXECUTIVE SUMMARY 1. District characteristics: Bangalore Rural District came into existence on 1 st August 1986, which was further bifurcated into Bangalore Rural and Ramanagara in The district occupies 16 th place in size and has a geographical area of 2,295 sq.km. In the absence of any major rivers, irrigation facilities are also limited, rain-fed farming is the characteristic feature of the district. The district is blessed with salubrious climate. Ragi is the main crop and horticulture sector also contributes significantly to the economy of the district. Kempegowda International Airport is located at Devanahalli in the district. 2. Sectoral trends in credit flow: The banks in the district had comfortably surpassed the ACP targets continuously during the last 3 years ended 31 March 2015, by disbursing `75,818 lakh, `94,461 lakh and `1,24,999 lakh under Priority Sector, there by exceeding the target by 26%, 27% and 35% respectively during these years. The agri term lending in was 17.50% leaving scope for improvement for facilitating capital formation. Term lending to agriculture needs more focus to enhance capital formation and sustainability of the sector in the long run. The CD ratio in the district was 74% in March 2015, which needs to be improved further. 3. Theme of the PLP: Considering the need for increasing investment credit for asset creation and sustainability of agriculture sector, the theme of this document continues to be accelerating the pace of capital formation in agriculture and allied sectors 4. Sector/sub-sector wise PLP projections for : The exploitable potential in the Base PLP for was projected at `1,18,870 lakh has been revised to ` 1,69, lakh. Broad sectorwise projections are furnished in the table given in next page. The realization of potential would depend on the removal of various constraints and developing critical infrastructure. 5. Thrust areas for Mainstreaming the financially excluded :The past year has seen a number of steps taken towards promoting financial inclusion in a big way viz., the Pradan Mantri Jan Dhan Yojana (PMJDY), Prime Minister s Social Security Schemes, Mudra Yojana, etc. Mainstreaming these account holders into the banking fold with these new schemes would continue to be the thrust area for Water Conservation by focusing on financing activities like creation of water harvesting structures, popularising water conserving measures such as DRIP, sprinkler, micro irrigation as all the blocks in the district fall under over exploited category. Promotion of JLGs: Banks need to adopt to JLG mode of lending, at least where lending to individual is not possible due to land title/security related issues. De-risking farm income: Given the uncertainties in yield due to vagaries of nature, there is a need to de-risk the farm incomes. Banks may explore financing dairy units/poultry (broiler) units to supplement farm income, especially in view of declaring 3 out of 4 taluks in the district as drought affected during Area Development Plan (ADP): Considering the forward and backward linkages and potential, poly houses for vegetable and floriculture have been identified as Area Development Plan for the district. Banks may consider financing these activates for increased income generation opportunities for farmers. 7. The way forward: A coordinated approach by all stakeholders viz., Banks, Government departments, extension agencies, etc, is required accomplish the thrust areas identified and to tap 2

2 the potential projected in the PLP for , which in turn, is expected to enhance capital formation in agriculture, leading to sustainability of the sector in the long run. Banks need to ensure timely reporting of credit flow data to the Lead Bank for ensuring purposeful review in DCC/DLRC meetings and initiating timely corrective action. Broad Sector wise PLP projections (`lakh) Sr.No Particulars PLP Projections A Farm Credit i. Crop, 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 0.00 IV Education V Housing VI Renewable Energy VII Others VIII Social Infrastructure involving bank credit Total Priority Sector (I to VIII) BROAD SECTOR WISE PLP PROJECTIONS Renewable Energy, 0.28% Others, 4.86% Housing, 6.04% Education, 3.30% Social Infrastructure, 0.71% Export Credit, 0% MSME, 18.70% Agriculture, 66.11% 3

3 Summary of Sector/Sub-sector wise PLP projections (`lakh) Sr.No. Particulars PLP Projections I Credit Potential for Agriculture A Farm Credit i. Crop, Maintenance and Marketing ii. Water Resources iii Farm Mechanisation iv Plantation and Horticulture (including sericulture) v Forestry & Wasteland Development vi Animal Husbandry - Dairy vii Animal Husbandry - Poultry viii Animal Husbandry - Sheep,Goat & Piggery stc ix Fisheries x Others Bullock, Bullock carts etc Sub-total B Agriculture Infrastructure i Construction of storage facilities (warehouses, market yards, godowns, silos, cold storage units/ cold storage units) ii Land development, soil conservation, watershed development iii Others (Tissue culture, agri bio-technology, seed production, bio pesticides/fertilisers, vermi composting) Sub-total C Ancillary Activities i Food and Agro Processing ii Others ( 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 II Micro, Small and Medium Enterprises i MSME, Working Capital ii MSME - Investment Credit Total MSME III Export Credit 0.00 IV Education V Housing VI Renewable Energy VII Others ( to SHGs/JLGs, to distressed persons to prepay institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) VIII Social infrastructure involving bank credit Total Priority Sector

4 District Profile District Bangalore Rural State Karnataka 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 2295 Agro-climatic Southern Plateau and Hills Region, Northern dry region of No. of Sub Divisions 4 Zone Karnataka Zone 10 No. of Blocks 4 Climate Semi-arid and Arid No. of Villages (Inhabited) 973 No. of Panchayats 98 5 Soil Type 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Laterite, Medium black, deep black and red loamy Total Area Reported Normal Actual Forest Land 122 Rainfall [in mm] Variation from Area Not Available for Cultivation Normal Permanent Pasture and Grazing Land 3879 Availability Net annual Net annual draft of Ground recharge Land under Miscellaneous Tree Crops 533 Water [Ham] Cultivable Wasteland DISTRIBUTION OF LAND HOLDING Current Fallow Holding Area Other Fallow Classification of Holding % to Nos. Total Ha %tototal Net Sown Area <= 1 Ha Total or Gross Cropped Area >1 to <=2 Ha Area Cultivated More than Once 3525 >2 Ha Cropping Intensity [GCA/NSA in %] 103 Total WORKERS PROFILE (in '000) 7. DEMOGRAPHIC PROFILE (In '000) Census Cultivators Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers Population Agricultural Labourers S. Caste Workers engaged in Household Industries S. Tribe Workers engaged in Allied Agro-activities Literate Other workers BPL HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 225 brick/stone/concrete houses 57.47% Having electricity supply 17 Rural Households 162 Having source of Having independent 638 drinking water toilets 63.80% BPL Households Having access to banking services 1120 Having radio/tv sets 48% 10. VILLAGE-LEVEL INFRASTRUCTURE 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION Villages Electrified 973 Anganwadis 1209 Dispensaries 4 Villages having Agriculture Power Supply 973 Primary Health Centres (PHC) 47 Hospitals 292 Villages having Post Offices 5 Primary Health Sub- Centres 2 Hospital Beds 1202 Villages having Banking Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 710 Villages having Primary Health Centres 46 Villages having Potable Water Supply Villages connected with Paved Approach Roads 777. IRRIGATION COVERAGE [Ha] Fertiliser/Seed/Pesticide Outlets Total N/P/K Consumption [MT] Certified Seeds Supplied [MT] Pesticides Consumed [MT] Agriculture Tractors Agriculture Pumpsets Pumpsets Energised Agro Service Centres Soil Testing Centres Plantation nurseries Total Area Available for Irrigation (NIA + Fallow) Power Tillers Farmers' Clubs 312 Irrigation Potential Created Threshers/Cutters Krishi Vigyan Kendras Net Irrigated Area(Total area irrigated at least once) INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 0 Rural/Urban Mandi/Haat/APMC Wholesale Market 7 Area irrigated by Wells 0 Length- Pucca Rd [Km] 4512 Godown 15 Area irrigated by Tanks 0 Length of RailLine [Km] 75 Godown Capacity[MT] Area irrigated by Other Sources Public Transport Vehicle Cold Storage 5 Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle 004 Cold Store Capacity[MT]

5 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] Avg. Crops Area Prod. Prod. Yield Food(Rice/Flour/Dal/Oil/Tea/Coffee) Area (Ha) (Ha) (MT) (MT) [Kg/Ha] Sugarcane(Gur,/Khandsari/sugar) Paddy Fruit(Pulp/Juice/Fruit drink) Maize Spices(MasalaPowders/pastes) Ragi Dry-fruits(Cashew/Almond/Raisins) Oilseeds Cotton(Ginning/Spinning/Weaving) Pulses Milk(Chilling/Mutton/Pork/Dry fish) Grapes Meat(Chicken/Mutton/pork/Dy fish) Banana Animal feed(cattle/poultry/fishmeal) Tomato of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 Kg per bole in India) 17. ANIMAL POPULATION AS PER CENSUS 2012 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Cattle - Cross bred Cattle - Indigenous Buffaloes Sheep - Cross bred Sheep - Indigenous Goat Pig - Cross bred Pig - Indigenous Fish Horse/Donkey/Camel Egg Poultry - Cross bred Milk Poultry - Indigenous Meat f. No. of line depts. having offices in the district SEP District profile (cont d) Veterinary Hospitals/Dispensaries Disease Diagnostic Centres Artificial Insemination Centers Animal Breeding Farms Animal Husbandry Tng Centres Dairy Cooperative Societies Improved Fodder Farms 70 Animal Markets Milk Collection Centres Fishermen Societies Fish seed farms 2 Fish Markets Poultry hatcheries Slaughter houses MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY [MT] [Lakh Nos] ['000 MT] [MT] 1.2 Per cap avail. [gm/day] Per cap avail. [nos/p.a.] Per cap avail. [gm/day] Per cap avail. [gm/day] Bangalore Rural District came into existence on 01 August 1986 and has further bifurcated into Bangalore Rural and Ramanagara in It occupies 16 th place in size in the state. Though the tributaries of the Arkavati and the Dakshin Pinakini flow through the district, in the absence of any major rivers, irrigation facility is limited and farming is mainly rainfed and dry farming. Kempegowda International Airport is located at Devanahalli in the district. 21. Pre dominant economic activities Agriculture continues to be a pre dominant economic activity, though the district is witnessing rapid urbanization due to its proximity to the state capital and resulted advantages. The district also has major industrial parks. Ragi, maize and paddy are the principal cereals. Tur, horse gram are principal pulses. Plantation and Horticulture also occupies an important place in the agriculture activities of the district. 22. District Income and per capita income The NDDP was ` 6,19,709 lakh, Per capita income Rs.1,09,380 (third highest in the state) in at constant prices ( ). The Gross District Domestic product at constant price ( ) and per capita NDDP at constant price ( ) were at ` 67,496 lakh and `.59,225 against State figures `41,

6 Banking Profile District Bangalore Rural State Karnataka Lead Bank Canara Bank 1. NETWORK & OUTREACH (As on 31/03/2015) No. of Non-formal Agencies No. of No. of Branches Per Branch Outreach Associated Banks/Soc SHGs/JLG Household. Total Rural Se-urban Urban mfis/mfo BCs/BFs Villages s s Comm. Banks RRB (KGB) D CC B Cop Agr & R D Bk P A. C S Others All Agencies No. of Accounts of Deposit [`000] Growth( Growth(% Share(%) 31Mar Share(%) %) ) Comm. Banks RRB (KGB) Coop. Banks (-9.83) 2.25 Others All Agencies No. of Accounts LOANS & ADVANCES OUTSTANDING Growth( %) of Loan Share(%) 31Mar 31-Mar14 15 Growth(% ) Comm. Banks RRB (KGB) Coop Banks (-17.33) 3.76 Others All Agencies CD-RATIO 5. PERFORMANCE UNDER FINCIAL INCLUSION (No. of A/cs) Share(%) Comm. Banks RRB (KVGB) Coop.Banks Others All Agencies CD Ratio % During Cumulative Deposit Credit Deposit Credit Commercial Banks RRB (KGB) Cooperative Banks Others All Agencies 6. PERFORMANCE TO FULFILL TIOL GOALS (As on 31/03/2015) Priority Sector to Agril. Sector to Weaker Secs. % of Total under DRI Scheme to Women Comm. Banks RRB (KGB) Coop. Banks Others All Agencies

7 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Target Average Ach [%] in Ach'ment Target Ach'ment Ach'ment Target Ach'ment Ach'ment last 3 Ach'ment [%] [%] [%] years Comm. Banks RRB (KGB) Coop.Banks Others All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Broad Sector Target Average Ach [%] in Ach'ment Target Ach'ment Ach'ment Target Ach'ment Ach'ment last 3 Ach'ment [%] [%] [%] years Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Othr Pri. Sector Total Prio Sector RECOVERY POSITION Demand [`000] [%] Demand [%] Demand [`000] [%] Average Rec. [%] in last 3 years Comm. Banks RRB (KVGB) Coop.Banks Others All Agencies Sources : Lead Bank & SLBC Banking profile (cont d) To supplement the banking network in the district, 183 ATMs and 49 business correspondents are in the district The DCCB operates on CBS platform with NEFT and RTGs facilities. As per the Financial Inclusion Plan, 161 Sub Services Areas (SSA) in 98 Gram Panchayats in the district are allotted among 17 commercial banks to extend financial services population less than There are 147 villages with population above 1000 and less than All the villages in the districted are covered by banking facilities in either through brick and mortar model or through BC model. Under PMJDY, 1,00,671 accounts were opened in the district, of which 50,508 are still having zero balance. Banks need to develop banking habits in the newly added accounts, so as retain them in the formal banking fold. Banks in the district actively involved in implementation social security schemes. Canara bank, Syndicate Bank and Kaveri Gramin Bank have established one FLC each in Nelmangala, Hoskote and Devanahalli taluk of the district, thus covering 3 out of the 4 blocks. Efforts are on to establish FLC in Doddaballapur taluk. 8