Shivamogga PLP EXECUTIVE SUMMARY

Transcription

1 EXECUTIVE SUMMARY 1. Characteristics of the district: Shivamogga district with a geographical area of 8,477 Sq. kms comprises 7 taluks of which Tirthahalli, Hosanagar, Sagar and Sorab are Malnad and Shimoga, Bhadravathi and Shikaripura taluks are Semi-Malnad area. Normal rainfall is 1,811 mm. Tunga, Bhadra, Sharavathi, Kumudvathi and Varada rivers flow through the district. Agriculture is the predominant economic activity. Net Sown Area (NSA) and Gross Cropped Area (GCA) are 2.30 lakh ha. and 2.65 lakh ha. respectively. As on 31 March 2014, there were 16,240 registered small enterprises in the district providing employment to 67,616 persons. 2. Sectoral trends in credit flow: The banks in the district have shown impressive progress under the District Credit Plan in the previous three years. The ground level credit flow under Priority Sector during , and stood at `2, crore, `2, crore and `3, crore respectively showing an achievement of 95%, 86% and 92% of the target. The CD ratio of the district has been hovering around the 64% - 67%. 3. Sector/sub-sector wise projections for : The exploitable potential for was estimated at `5, crore in the base PLP. The same has since been revised to `5, crore. Agriculture sector accounts for a major share of 64% of the total projections. The realization of potential would however, largely depend on the removal of various constraints and developing the critical infrastructure as discussed below. 4. Major constraints: Last mile road infrastructure requires to be developed in many villages to enable farmers to have easy access/connectivity to nearby markets. Harnessing runoff rainwater for irrigation purposes is imperative to bring more land under irrigation. Enabling provisions needs to be put in place to permit farmers to cultivate on vacant/leased lands without affecting the rights of the landowner and to avail crop loans from banks. Lack of post harvest infrastructure like cold chains, grading and packing houses and erratic power supply are the other bottlenecks which needs to be addressed. 5. Suggested Action points/issues to be addressed State Government a. Strengthening the extension network and training on soil, water conservation. b. Creation of model horticulture farm/ strengthening of post harvest infrastructure c. Strengthening the infrastructure of veterinary institutions for providing breeding/ health services to farmers at door-step and setting up of disease diagnostic labs. d. Ensure regular & assured power supply to existing and prospective industrial units-promote use of solar irrigation pump sets and solar roof-tops. Banks a. Need to resort to alternative modes of lending including JLGs b. To lend to farmers on the strength of negotiable warehouse receipts c. Finance construction of artificial recharge structures of bore wells for irrigation, rain water harvesting structures, farm ponds, roof water harvesting system, etc. 6. Thrust areas for a. Mainstreaming the financially excluded :The past year has seen a number of steps taken towards promoting financial inclusion in a big way viz., the PradanMantri Jan Dhan Yojana (PMJDY), Prime Ministers Social Security Schemes, Mudra Yojana etc. Mainstreaming these account holders into the banking fold would continue to be a thrust area for b. Accelerating the pace of capital formation in agriculture and allied sector : Banks to give thrust for agriculture term loans with focus on loans for land development and farm mechanization activities. This would create farm assets that in turn would lead to capital formation in agriculture. c. Promotion of JLGs : Banks need to switch to JLG mode of lending, at least when lending to individual farmers is not possible due to land title/other related issues. 2

2 d. 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 allied activities like mini-dairy /poultry etc. e. Area Development Plan and Developmental Thrust Areas for the district: Two taluks in the district, for vegetable cultivation and subsurface drainage in areca gardens, are identified by NABARD for further development. f. NABARD & Department of Horticulture are in the process of promoting FPOs/crop specific clusters in all the taluks. Bankers, on their own are encouraged to adopt such models and extend cluster based financing to farmers. 7. The way forward : The projections made in the PLP for call for coordinated approach by all stakeholders viz., Government, Banks, Government departments, extension agencies, NGOs etc, which in turn are expected to significantly enhance capital formation in agriculture. Banks on their part are required to ensure timely reporting of credit flow data to the Lead Bank so that timely/corrective action, if required, could be initiated through discussions in the various fora, viz, DCC, DLRC, etc. Broad Sector wise PLP projections Sr.No Particulars PLP Projections (` Lakh) A Farm Credit 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 VII Others VIII Social Infrastructure involving bank credit Total Priority Sector (I to VIII)

3 Sr. No. SUMMARY OF SECTOR/ SUB-SECTOR WISE PLP PROJECTIONS ( ) Particulars (` Lakh) PLP Projections for I Credit Potential for Agriculture A Farm Credit i. Crop Production, Maintenance and Marketing ii. Water Resources iii. Farm Mechanisation iv. Plantation and Horticulture v. Forestry and Waste Land Development vi. Animal Husbandry Dairy Development vii. Animal Husbandry Poultry Development viii. Animal Husbandry Sheep, Goat and Piggery Development ix. Fisheries Development x. Others- Bullock, Bullock carts, etc B Sub Total Agriculture Infrastructure i. Storage Godowns / Market Yards ii. Land Development, Soil Conservation and Watershed Development iii. Others (Vermi-Compost, Seed Production, Tissue Culture, etc.) Sub Total C Ancillary Activities i. Food and Agro Processing ii. Others ( to Coop. Soc., FPOs, ACBC, PACS, etc.) Sub Total Total Agriculture (A+B+C) II Micro, Small and Medium Enterprises i. MSME - Working Capital ii. MSME - Investment Credit Total MSME III Export Credit IV Education Loan V Housing Loan VI Renewable Energy VII Others (SHG/ JLG loans, PMJDY, etc.) VIII Social Infrastructure involving bank credit Total Priority Sector

4 District Profile District - Shimoga State - Karnataka Division - Bangalore 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 8477 No. of Sub Divisions 2 Agro-climatic Zone No. of Blocks 7 Climate Per humid No. of Villages (Inhabited) 1443 No. of Panchayats 260 Soil Type 5 Southern Transition (3 blocks) and Hilly Zone (4 blocks) Laterite, Mixed red and black 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported Normal Actual Forest Land Rainfall [in mm] Area Not Available for Cultivation Variation from Normal Permanent Pasture and Grazing Land Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops [Ham] Cultivable Wasteland DISTRIBUTION OF LAND HOLDING Current Fallow 9173 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] 116 Total WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] 2011 census Cultivators 189 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 180 Population Agricultural Labourers 179 Scheduled Caste 308 NA NA Workers engaged in Household Industries 10 Scheduled Tribe 65 NA NA Workers engaged in Allied Agro-activities 1 Literate Other workers 273 BPL NA- -NA HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 406 Having brick/stone/concrete houses 154 Having electricity supply 364 Rural Households 259 Having source of drinking water 262 Having independent toilets -NA- BPL Households 308 Having access to banking services -NA- Having radio/tv sets VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 1440 Anganwadis 2391 Dispensaries 34 Villages having Agriculture Power Supply 1440 Primary Health Centres 105 Hospitals 187 Villages having Post Offices 1046 Community Health Centres 7 Hospital Beds 2090 Villages having Banking Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 1290 Fertiliser/Seed/Pesticide Outlets [Nos] 434 Agriculture Pumpsets[Nos] Villages having Primary Health Centres 105 Total N/P/K Consumption [MT] Pumpsets Energised [Nos] Villages having Potable Water Supply 1411 Certified Seeds Supplied [MT] Agro Service Centres [Nos] NA Villages connected with Paved Approach Roads 1014 Pesticides Consumed [MT] 29 Soil Testing Centres [Nos] IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] Plantation Nurseries 13 Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] 7291 Farmers' Clubs [Nos] 327 Irrigation Potential Created -NA- Threshers/Cutters [Nos] 760 Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels Rural/Urban Mandi/Haat [Nos] 19 Wholesale Market [Nos] 7 Area irrigated by Wells 6017 Length of Pucca Road [Km] 3215 Godown [Nos] 410 Area irrigated by Tanks Length of Railway Line [Km] 120 Godown Capacity[MT] Area irrigated by Other Sources Public Transport Vehicle [Nos] 3287 Cold Storage [Nos] 1 Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] 5763 Cold Store Capacity[MT] AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) NA- Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) 1 5,00,000 Paddy Fruit (Pulp/Juice/Fruit drink) 50 -NA- Maize NA 4525 Spices (Masala Powders/Pastes) -NA- -NA- Cotton NA 356 Dry-fruit (Cashew/Almond/Raisins) 2 -NA- Sugar cane NA 116 Cotton (Ginnining/Spinning/Weaving) 12 -NA- Areca Milk (Chilling/Cooling/Processing) Production of Cotton(lint) is in Bales(177.8 kg per bale in India) Meat (Chicken/Motton/Pork/Dryfish) -NA Animal feed (Cattle/Poultry/Fishmeal) 15 -NA- 17. ANIMAL POPULATION AS PER CENSUS 2012 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 166 Animal Markets [Nos] 1 Cattle - Cross bred Disease Diagnostic Centres [Nos] 3 Milk Collection Centres [Nos] 58 Cattle Indigenous Artificial Insemination Centers [Nos] 10 Fishermen Societies [Nos] 9 Buffaloes Animal Breeding Farms [Nos] -nil- Fish seed farms [Nos] 5 Sheep - Cross bred Animal Husbandry Tng Centres [Nos] -nil- Fish Markets [Nos] 17 Sheep Indigenous Dairy Cooperative Societies [Nos] 447 Poultry hatcheries [Nos] 12l- Goat(No.) Improved Fodder Farms [Nos] -nil- Slaughter houses [Nos] -nil- Pig - Cross bred (No.) MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig Indigenous (No.) Fish Production [MT] Per cap avail. [gm/day] 25 Horse/Donkey/Camel (No.) Egg Production [Lakh Nos] 971 Per cap avail. [nos/p.a.] 55 Poultry CB / Indigeneous 1739 Milk Production ['000 MT] 398 Per cap avail. [gm/day] 220 Source Meat Production [MT] 3111 Per cap avail. [gm/day] 2 Item Nos. 1, 6, 7, 9 & 10 District at a glance; 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 DACNET; Item No AH Census 2003; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat. 7

5 Banking Profile District - Shimoga State - Karnataka Lead Bank - Canara Bank No. of Banks/Soc. 1. NETWORK & OUTREACH (As on 31/03/2015) No. of Branches No. of non-formal agencies associated Per Branch Outreach Total Rural Semi-urban Urban mfis/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Banks NA Regional Rural Bank NA Dist Central Coop. Bank NA Coop. Agr. & Rural Dev. Bank NA Primary Agr. Coop. Soc NA Others(KSFC,KICB) NA All Agencies No. of accounts 2. DEPOSITS OUTSTANDING of Deposit 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA NA NA Regional Rural Bank NA NA NA NA NA Cooperative Banks NA NA NA NA NA Others NA NA NA NA NA All Agencies NA NA NA NA NA LOANS AND ADVANCES OUTSTANDING No. of accounts of Loan 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA Regional Rural Bank NA NA NA Cooperative Banks NA NA NA Others NA NA NA NA All Agencies NA NA NA CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio 31-Mar Mar Mar-15 Commercial Banks Commercial Banks Regional Rural Bank Regional Rural Bank NA NA Cooperative Banks Cooperative Banks NA NA Others NA NA 42 Others NA NA All Agencies All Agencies PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2014) Deposit Total loans to Agr. Sector to Weaker Sections under DRI Scheme to Women Commercial Banks Credit Regional Rural Bank NA 0 NA 0 NA 0 Cooperative Banks NA 0 NA 0 NA 0 Others NA 0 NA 0 NA 0 All Agencies

6 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Target Ach'ment [Rs. Ach'ment Target Ach'ment [Rs. Ach'ment [%] Target Ach'ment [Rs. Ach'ment Ach[%] in '000] [%] '000] '000] [%] last 3 years Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies Broad Sector Target 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Ach'ment [Rs. Ach'ment Target Ach'ment [Rs. Ach'ment Ach'ment [Rs. Ach'ment Ach[%] in Target '000] [%] '000] [%] '000] [%] last 3 years Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector RECOVERY POSITION Demand Recovery ecovery Demand Recovery Recovery [%] Demand Recovery RecoverY Commercial Banks NA NA NA NA NA NA NA NA NA NA Regional Rural Bank NA NA NA NA NA NA NA NA NA NA Cooperative Banks NA NA NA NA NA NA NA NA NA NA Others NA NA NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA NA NA NA NA NA Average Rec. in last 3 yrs Sources : Lead Bank 10. Performance of banks under different parameters: The total achievement of the banks under Priority Sector in Annual Credit Plan (ACP) for the year was ` crore which was 92% of the target. The deposit of all banks put together as on was ` crore which recorded an increase of 12.86% during On the other hand the advances outstanding figure for all the banks put together had increased by 16.52% during and was ` crore as on However, the CD ratio for the district increased marginally to 67% as on Financial Inclusion& Financial Literacy : There are 20 villages with a population of more than 5000 in Shivamogga district. Out of these banking services have been provided in 17 villages with a combination of branches, USBs and BCAs/ CSPs.There are 119 villages in the district with population between 2000 and Most of these villages have now been covered with banking facility with the help of BCAs/ CSPs.As on 31 March 2015, 164,240 accounts have been opened in Shivamogga district under the Pradhan Mantri Jan Dhan Yojna (PMJDY) scheme.total number of new RuPay Cards (KCC) issued during was 121,480. There are 7 Financial Literacy Centres (FLCs) in the district sponsored by all 03 types of agencies viz., Commercial Banks, RRB and Cooperative bank. 06 of the 07 taluks are covered by FLCs. 02 FLCs are supported by NABARD. There is one Rural Self Employment Training Institute in the district managed by the Lead Bank (Canara Bank). 12. Progress under Social Security Schemes : As on 31 March 2015, 64,548 accounts have been enrolled under Pradhan Mantri Jeevan Jyoti Yojna. On the other hand 92,250 accounts have been enrolled for Pradhan Mantri Suraksh BimaYojna. The number of people opting for Atal Pension Yojna stood at 568 as on 31 March