EXECUTIVE SUMMARY. 1.Specific characteristics of Gadchiroli district

Transcription

1 EXECUTIVE SUMMARY 1.Specific characteristics of Gadchiroli district The total population of the district as per the 2011 Census is lakh; of which 92 % resides in rural area. The literacy rate is 72% (Male- 85% and female-62%). The average rainfall is 1305 mm. The area under cultivation during the year was about 7.65 lakh ha in Kharif and about 0.83 lakh ha in Rabi season. The soil is clay, sandy loam, deep black soil, reddish and yellowish brown soil. The main occupation of the people of the district is agriculture and the main crop is paddy in Kharif and other crops are soybeans, cotton, jowar, pulses, oilseeds etc. Majority of the rural population is dependent directly or indirectly on agriculture, agroindustries and the allied activities. The district is industrially backward. Total Geographical area of Gadchiroli district is Sq. Km. The land use pattern comprises of sq. km forest, 1028 sq.km inhabited area, 1960 sq. km agriculture area, 2 sq. km of industrial area and 231 sq. km of wasteland. Past trend of priority sector credit flow (actual achievement) for , , and estimated projections for the year & is as under :- (` lakh) Purpose / Activity PLP Projections for Crop Loan Agri. Term loans Total Agri Non Farm Sector Other Priority Sector Total Priority Sector Keeping in view the exploitable potential available, credit absorption capacity of the farmers entrepreneurs, financial health of the credit institutions in the district, trend in GLC flow etc. an amount of ` lakh has been projected for priority sector for the year In Gadchiroli district, 7 Commercial Banks (BoI, SBI, Canara Bank, UBI, BoM, CBI and IDBI Bank Ltd) having 43 branches, Gadchiroli DCCB is having 50 branches and VKGB is having 18 branches. Only 111 bank/branches are in the district. The banking network in the district is poor. 89 out of 111 branches are in rural and semi-urban area. Bankers are arranged credit support to all type of borrowers in the district. Total deposits of the district was ` lakh as on and deposit growth was 9.00%. Total disbursement of the bank during was ` and growth was not satisfactory. As per data available, disbursement under NFS was ` lakh during increased to ` lakh during The submission of LBR returns has not been stabilized. Regular and error free submission of LBRs by all branches will help in generating reports for reviewing progress at various levels. Further, some banks are not submitting LBRs regularly. Overall, the Achievement of Annual Credit Plan of the district was satisfactory. The CD Ratio of the banks in the district is less than the minimum required. The share of Govt. deposits in total deposits is high due to flow of funds for implementation of various subsidy based programs implemented by Govt. Departments. Though these funds are deposited in the banks these are not available to banks for lending purpose. Further due to single cropping pattern 1

2 in agriculture, the entire area of the district is naxal infested and lack of industries in the district the demand for credit is also low. The banks have been advised in different forums to improve the position. Comments on the estimated total potential for the priority sector: A. Short Term Credit for Production and Marketing: Crop Loan: During the year , crop loan of ` lakh was disbursed against the target of ` lakh. The projection for year is ` lakh. B. Agriculture Term Credit: 1) Water Resources : The district is in heavy rainfall zone with ground water potential of 1.09 lakh ha.m. However, the area under irrigation is only ha. as against the net sown area of ha. There is a need to increase investments in various irrigation systems. As per the good ground water availability, wells are feasible in the district. As against the target of ` lakh for the year , banks have financed ` lakh. A projection of ` lakh is estimated for the year ) Land Development and Dryland Agriculture: Agriculture Department and Soil and Water Conservation Deptts. are implementing land development programs. Therefore, demand for bank credit for this sector is limited. As against the target of ` lakh, banks disbursed ` lakh in Projection of ` lakh has been made for ) Farm Mechanization: The pace of Farm Mechanization in the district was very slow. This was due to pre dominance of SF/MF. During the year banks have disbursed ` lakh as against target of ` lakh. Projections of ` lakh has been made for the year ) Plantation and Horticulture: National Horticulture Mission is under implementation in the district. NABARD has launched 3 TDF-Wadi projects with financial out lay of ` lakh, for plantation of Mango, Guava and Lemon with forestry species plants on boundary covering 3500 tribal families from 70 villages of Kurkheda and Korchi blocks. Plantation and other works for 3500 wadis in 3500 acre area is being done during The projection of ` lakh is estimated for the year ) Forestry and Waste Land Development: In TDF-wadi project of NABARD forestry species plantation of about 60 plants per acre will be done in 3500 acre of waste land. The projection of ` 7.29 lakh is made for the year Animal Husbandry - Dairy development: There is need to create awareness among farmers about dairy activity on commercial basis. The Dairy Entrepreneurs Development Scheme (DEDS) formulated by GoI envisages support for modern dairy farms as well as processing and marketing units. There is good scope for improvement in quality of milch animals in the district. Projection of` ` lakh as bank credit is made for the year ) Poultry development: High temperature, high rainfall coupled with lack of awareness among farmers brought in negligible investment in this sector. It is necessary to guide/train the farmers/ entrepreneurs. Small-scale poultry and duck units could also be promoted. The projection of ` lakh is made for the year ) Sheep, Goat and Pig rearing: Sheep and Goat rearing is a traditional activity for small and marginal farmers and landless labourers. The district is one of the major districts for piggery activity. However, commercial ventures of piggery activity are yet to take place in the 2

3 district. Banks have disbursed ` lakh during the year A projection of ` lakh is made for the year ) Fisheries Development: Gadchiroli district has with 4873 tanks/ reservoirs and water spread area of over 8657 ha., offer scope for promotion of inland fisheries. The district is gifted with four perennial river The program undertaken for deepening of the tanks and new tanks will promote the activity in the district on large scale. Banks should come forward for financing the sector. As the activity is being carried on in traditional way by the fishermen community, the demand for bank finance is limited. Credit flow during was ` lakh. The projection of ` lakh has been made for the year ) Renewable source of energy: As district administration is providing subsidy up to % for the activity bank credit has not picked up. Govt. of India has launched Jawaharlal Nehru National Solar Mission with 40% subsidy. These developments may increase investment in the sector. A projection of `86.25 lakh has been made for the year ) Storage Godown/ Market Yards : The Capital Investment Subsidy Scheme for Rural Godown was extended up to Banks may make efforts to identify large number of number of beneficiaries. Banks have disbursed ` lakh during the year against the target of ` lakh. The projection of ` lakh has been made under PLP for the year , expecting continuation of the scheme. 12 Other allied activities: Bullock and Bullock-Carts : Bullock and Bullock cart is the most traditional, feasible and multipurpose mode of farm power and transportation in remote areas of the backward district. Banks should consider providing credit for bullock, bullock carts and other draught animals to small and marginal farmers as well. A projection of ` lakh is made for the year C) Non Farm Sector: Banks have disbursed ` lakh during the year under NFS. The district has good scope for NFS activities based on forest produce and Agro Processing. The projection of ` lakh is made for the year D. Other Priority Sector: i) Activities covered under Other Priority Sector include housing, transport operators, professionals and self-employed etc. Major disbursements made were for housing loans during the year Banks had disbursed ` lakh during the year as against the target of ` lakh. A Projection of ` lakh is made for the year ii). Micro-finance: - The pace of providing credit to SHGs/JLKGs has picked up momentum in the district. During more than 2000 SHGs specially Women Self Help Groups were provided fresh finance of ` lakh and repeat finance of ` lakh was released to more than 3000 SHGs by various banks in the district. The cumulative number of SHGs formed by MAVIM, DRDA, NABARD and MSRLM etc credit linked as on 31 March 2015 are With a view to help banks in providing larger credit to this segment, NABARD has encouraged banks and NGOs to function as SHPIs for formation of SHGs and JLGs. Projection of ` lakh has been made for year So far 75 JLGs were financed by the banks during the year A special program on formation of Women SHGs in Left Wing Extremism (LWE) affected district has been launched in the district. As per targets for formation and credit linkage of 2600 WSHGs in the district, 2500 WSHGs have been saving linked and out of them more than 2000 WSHGs have been credit linked so far. E. Infrastructure Development : The status of infrastructure in the district under the components like transport vehicles, telephone lines, secondary schools, number of 3

4 dispensaries and hospitals, agri. markets, etc. are below the satisfactory level and needs to be developed. In infrastructure development irrigation sector is lagging behind. Due to large area under forest no major irrigation projects are coming up in the district. Due to nonavailability of irrigation facility it is virtually a mono crop i.e. paddy district. The thrust area /sector: Paddy is the main crop of the district. Increasing productivity of paddy is the thrust area for the district. The efforts include promotion of 4 steps paddy cultivation, use of protective irrigation, promoting System of Rice Intensification (SRI) and utilizing other developmental programs for improvement in productivity of paddy in the district. NABARD has also launched a project on promoting SRI among Small and marginal farmers in Armori block of Gadchiroli district during Efforts may be made to bring these farmers under banking fold. Facilities like, trainings, improved farm implements, irrigation facilities, storage and warehousing, etc. are required to be provided to these farmers on priority. The other thrust area for the district is forest based Non Farm Sector activities. The district has more than 78 % area under forest. The forest is rich with different minor forest produce which can be utilized as raw material for setting up small processing units to produce food products and medicinal value products. The district does not have any major industry and hence there are limited employment opportunities to the rural youth. Systematic development in this sector with market tie up arrangements will generate vast employment in rural area. 4

5 Broad Sector wise PLP Projections (` lakh) Sr. No. Particulars PLP Projections 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 0.00 IV Education V Housing VI Renewable Energy VII Others VIII Social Infrastructure involving bank credit Total Priority Sector (I to VIII) SECTOR WISE PLP PROJECTIONS FOR , Crop Loan Agriculture term Credit for Food Security Non Farm Sector Other Priority Sector 5

6 Summary of Sector / Sub-sector wise PLP Projections Sr. No. Particulars (` lakh) PLP Projections I Credit Potential for Agriculture A 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 7.29 vi Animal Husbandry Dairy vii Animal Husbandry Poultry viii Animal Husbandry Sheep, Goat, Piggery, etc ix Fisheries (Marine, Inland, Brackish water) 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 bio-technology, Seed production, Bio pesticides/ fertilizers, Vermi composting) 0 Sub Total C Ancillary activities i Food and Agro processing ii Others (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 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 (Loans to SHGs/ JLGs, loans to distressed persons to prepay noninstitutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) VIII Social Infrastructure involving bank credit Total Priority Sector

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8 District Profile Appendix - 1 District - Gadchiroli State - Maharashtra Division - Vidarbha 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) No. of Sub Divisions No. of Blocks 12 Climate Dry sub humid No. of Villages (Inhabited) No. of Panchayats Total Area Reported Forest Land Normal Actual Rainfall [in mm] Variation from Normal Permanent Pasture and Grazing Land Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 2000 Water [Ham] Cultivable Wasteland DISTRIBUTION OF LAND HOLDING Holding Area Classification of Holding Nos. % to Total Ha. % to Total <= 1 Ha >1 to <=2 Ha >2 Ha Total WORKERS PROFILE [in 7. DEMOGRAPHIC PROFILE [in Cultivators 177 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 797 Population Agricultural Labourers 86 Scheduled Caste Workers engaged in Household Industries 6 Scheduled Tribe Workers engaged in Allied Agro-activities NA Literate Other workers 68 BPL HOUSEHOLDS [in 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Having electricity Total Households 1079 Having brick/stone/concrete houses supply Having independent Rural Households 1015 Having source of drinking water toilets BPL Households 930 Having access to banking services Having radio/tv sets Villages Electrified 1446 Anganwadis 1611 Dispensaries 5 Villages having Agriculture Power Supply NA Primary Health Centres 45 Hospitals 13 Villages having Post Offices 187 Primary Health Sub-Centres 376 Hospital Beds 916 Villages having Banking Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Fertiliser/Seed/Pesticide Outlets Agriculture Villages having Primary Schools Pumpsets Energised Villages having Primary Health Centres 45 Total N/P/K Consumption [MT] Agro Service Centres Villages having Potable Water Supply 1420 Certified Seeds Supplied [MT] Soil Testing Centres Villages connected with Paved Approach Roads 1186 Pesticides Consumed [MT] 1 Plantation nurseries 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors Total Area Available for Irrigation (NIA + Fallow) Power Tillers Farmers' Clubs 122 Krishi Vigyan Irrigation Potential Created Threshers/Cutters 1 Net Irrigated Area(Total area irrigated at least Kendras INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING once) Area irrigated by Canals / Channels Rural/Urban Mandi/Haat 73 Wholesale Market 17 Area irrigated by Wells 4300 Length of Pucca Road [Km] 9184 Godown 114 Area irrigated by Tanks NA Length of Railway Line [Km] 18 Godown Capacity[MT] 432 Area irrigated by Other Sources 6300 Public Transport Vehicle 3462 Cold Storage Nil Cold Store Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle 2824 Nil Capacity[MT] 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS No of Type of Processing Activity Cap.[MT] Avg. Yield units Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) 140 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Nil Rice Nil Soybeen Kharif Pulses Nil Maize Nil Arhar Gram Meat (Chicken/Motton/Pork/Dryfish) Nil Summer Paddy Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in Animal feed (Cattle/Poultry/Fishmeal) Nil India) 17. ANIMAL POPULATION AS PER CENSUS 2007 [in 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Veterinary Hospitals/Dispensaries Category of animal Total Male Female 98 Animal Markets 2 Milk Collection Centres Cattle - Cross bred 3.40 NA NA Disease Diagnostic Centres Nil 2 Artificial Insemination Centers Nos Fishermen Societies Cattle - Indigenous Buffaloes Animal Breeding Farms 1 Fish seed farms 2 Animal Husbandry Tng Centres Sheep - Cross bred NA NA Nil Fish Markets - Poultry hatcheries Sheep - Indigenous NA NA Dairy Cooperative Societies Goat NA NA Improved Fodder Farms Nil Slaughter houses 7 Pig - Cross bred NA NA Agro-climatic Zone Soil Type Eastern Platue and Hill region Eastern Plains Medium to deep red and black with lime yellow 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Area Not Available for Cultivation Current Fallow Other Fallow Net Sown Area Total or Gross Cropped Area Area Cultivated More than Once Cropping Inensity [GCA/NSA] 10. VILLAGE-LEVEL INFRASTRUCTURE 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION Sugarcane (Gur/Khandsari/Sugar) Fruit (Pulp/Juice/Fruit drink) Spices (Masala Powders/Pastes) Dry-fruit (Cashew/Almond/Raisins) Cotton (Ginnining/Spinning/Weaving) Milk (Chilling/Cooling/Processing) 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous NA NA Fish Production [MT] 4569 Per cap avail. [gm/day] Horse/Donkey/Camel 0.40 NA NA Egg Production [Lakh Nos] 374 Per cap avail. [nos/p.a.] Poultry - Cross bred 1.42 NA NA Milk Production ['000 MT] 56 Per cap avail. [gm/day] Poultry - Indigenous NA NA Meat Production [MT] 1958 Per cap avail. [gm/day] 8

9 Banking Profile Appendix - 2 District - Gadchiroli State - Maharashtra Lead Bank - Bank of India Total Rural Semi-urban Urban mfis/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Banks Nil Regional Rural Bank Nil District Central Coop. Bank Nil 2250 Nil Coop. Agr. & Rural Dev. Bank Nil Nil Nil Nil Nil Primary Agr. Coop. Society Nil Nil Nil Nil Nil Others Nil Nil Nil Nil Nil All Agencies Nil Nil DEPOSITS OUTSTANDING 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies LOANS & ADVANCES OUTSTANDING 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During Cumulative 31-Mar Mar Mar-15 Deposit Credit Deposit Credit Commercial Banks Commercial Banks NA NA Regional Rural Bank Regional Rural Bank NA NA Cooperative Banks Cooperative Banks NA NA Others Others NA NA All Agencies All Agencies NA NA 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) Commercial Banks NA NA NA NA NA NA Regional Rural Bank NA NA NA NA NA NA Cooperative Banks NA NA NA NA NA NA Others NA NA NA NA NA NA All Agencies NA NA NA NA NA NA 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Commercial Banks Regional Rural Bank Cooperative Banks Others No. of Banks/Soc. 1. NETWORK & OUTREACH (As on 31/03/2015) No. of accounts No. of accounts No. of Branches No. of non-formal agencies assoiated Per Branch Outreach of Deposit of Loan Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Target % of Total Loans % of Total Loans % of Total Loans % of Total Loans Ach'ment [%] Target Ach'ment [%] Target All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Broad Sector Target Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector RECOVERY POSITION Demand [Rs. Commercial Banks NA NA NA NA NA NA NA NA NA Regional Rural Bank NA NA NA NA NA NA NA NA NA Cooperative Banks Ach'ment [%] Others NA NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA NA NA NA NA % of Total Loans Average Ach[%] in last 3 years Average Ach'ment Ach[%] in last Ach'ment [%] Target Ach'ment [%] Target [%] 3 years Average Rec. [%] in last 3 Recovery [%] Recovery [%] years Recovery [Rs. Demand [Rs. Recovery [Rs. Demand [Rs. Recovery [Rs. Recovery [%] 11