PLP Lohit EXECUTIVE SUMMARY

Transcription

1 EXECUTIVE SUMMARY NABARD since its inception has been involved in various initiatives to bring about an integrated development in the rural areas of the country. One of the many initiatives that NABARD has taken was to recognize the importance of systematic and decentralised rural credit planning. In order to support and facilitate a more realistic rural credit planning process, NABARD, has taken the initiative to prepare the Potential Linked Credit Plan (PLP) of district on the basis of ground level realities that have taken place in the district. The PLP serves as a resource document aimed at assessing the potential for exploitation and estimation of credit requirement, on the basis of availability of infrastructure, credit absorption capacity and strengths and weakness of rural credit institutions. A participatory approach has been followed by involving different agencies / departments and banks operating in rural areas. The planned priorities of these agencies / departments have been dovetailed with the planned priorities of the central and state governments to arrive at the Credit Potential of the District. The following paragraphs broadly outline the essential features of the Potential Linked Credit Plan for the year Sectoral Review and Projections for The overall estimated projection for credit has been made at Rs lakh for the year Of this agricultural sector accounts for Rs lakh Agriculture and allied activities forms the backbone of the economy of the district The Agroclimatic conditions and fertile soil are favorable for taking up horticultural fruits like oranges, banana, and crops like paddy and vegetables. The diversification of crops needs attention. In order to meet the challenges of growing population with food and shelter, planned efforts are to be made to increase agricultural productivity by increasing the irrigable area and land development activities. Accordingly, a credit projection of Rs lakh for water resources activities has been estimated at for the year Under Farm Mechanisation, covering mainly tractors & power tillers, a credit flow requirement of Rs lakh has been estimated during Increased area under irrigation, land development and farm mechanization activities, would lead to higher crop loan off-take in the district. Accordingly a credit projection of Rs lakh has been made under crop loan in the district. The Horticulture development in the district envisages a credit flow of Rs lakh during Aromatic & Medicinal/ herbal plants may be encouraged in the district. Though no credit has been extended so far for the development of Forestry & Wasteland Development, a credit projection of Rs.2.00 lakh has been estimated in the year The Animal Husbandry sector has immense potential in the district. There is a great demand for Dairy, Poultry Farming and Pig Rearing. These activities form the backbone of the supplementary employment and income of the farmers, besides enabling reduction in the gap between demand and supply of different animal products in the district. Accordingly, the potential for credit flow has been projected at Rs lakh, Rs lakh and Rs lakh for dairy development, poultry and sheep/goat/piggery activities, respectively during

2 Fish Farming also serves to supplement the income of the farmers. Fisheries in district have good scope for development. There is a very good demand for fish in the district. There is a wide gap between demand and supply of fish and fish seeds in the district. Accordingly, an amount of Rs lakh has been projected under the sector for the year To augment storage facilities, a credit requirement of Rs lakh has been projected for the year Under Ancillary activities viz. food and agro processing, credit potential of Rs.87.3 lakh has been projected for the year MSME Sector development is necessary for employment generation. A credit potential of Rs lakh has been projected under MSME activities which also includes working capital. Under other priority sector lending, for the year credit potential of Rs lakh has been projected under education loan whereas housing sector's requirement is pegged at Rs lakh. Renewable energy mainly solar lighting is projected to require 4.00 lakh credit for the year Further, loan to SHGs and overdraft facilities under PMJDY scheme have been estimated to have credit potential of Rs lakh and Rs.7.50 lakh respectively. The development interventions in the district are aided by Capital Investment Subsidy Schemes of GOI, Organic Farming and Central Sector Schemes for development of animal husbandry sectors for Dairy. Government Sponsored Programmes like PMEGP, SGSY etc. also helped in development of rural and urban poor in the district. The development of women through formation of SHGs and linkages with the bank is taken up through NGOs/ Farmers' Clubs supported by NABARD. They are projected to be the ideal developmental tool to ensure access to banking services in the years to come as well in conjunction with socio economic empowerment of the women and the resultant all round development of the district. The PLP shall be the endeavor of all the financial institutions, line departments, developmental agencies, NGOs etc., to ensure adequate credit flow commensurate with the potentials identified in this document. 8

3 BROAD SECTOR WISE PLP PROJECTIONS FOR THE YEAR BROAD SECTOR-WISE PLP PROJECTIONS Dist: (Rs. in lakh) (Rs. lakh) S.No. Sector PLP Projection Projection Projection A Farm Credit i Crop Production, Maintenance and Marketing (Crop Loan) ii Term Investment for Agriculture and Allied Activities (Agri. Term Loan) Total (i+ii) 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 Reneawble Energy VII VIII Social Infrastrcuture involving Bank Credit Total Priority Sector (I to VIII)

4 Summary of Sector-wise PLP Projections (206-7) (Rs. in lakh) SUMMARY OF SECTOR-WISE PLP PROJECTIONS Dist: District S.No. PARTICULARS I Credit Potential for Agriculture Projection (Rs. lakh) Projection 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 - Bullock, Bullock cart etc B Agriculture Infrastructure SUB TOTAL i Storage Facilities ii Land Development, Soil Conservation, Wasteland Development iii - Tissue culture, Agri bio-technology, Bio pesticides/fertilizers, vermin composting SUB TOTAL C Ancillary Activities i Food and Agro Processing to Coop Societies, Agri ii Clinic/Agri Business Centres, to PACS/LAMPS/MFI 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 VII - to SHG, JLG, PMJDY etc VIII Social Infrastructure involving Bank Credit TOTAL PRIORITY SECTOR

5 DISTRICT MAP OF LOHIT DISTRICT

6 District - District Profile State- Arunachal Pradesh Division No. of Blocks 5 Climate Sub-Tropical Sub- Humid. No. of Villages (Inhabited) 223 No. of Panchayats 33 Soil Type Red Sanday, Laterite 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Normal Actual 4620 Rainfall [in mm] Variation from Normal Availability of Ground Water [Ham] Net annual recharge Net annual draft Balance DISTRIBUTION OF LAND HOLDING 355 Nos. % to Total Ha. % to Total 963 <= Ha > to <=2 Ha >2 Ha Cropping Inensity [GCA/NSA].02 Total WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] 2.00 Category Total Male Female Rural Urban Hospitals Villages having Post Offices 5 Primary Health Sub-Centres 2 Hospital Beds Villages having Banking Facilities 2. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE 3. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 2 Plantation nurseries [Nos] Power Tillers [Nos] 0 Farmers' Clubs [Nos] 0 Krishi Vigyan 82 Threshers/Cutters [Nos] Kendras[Nos] INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Irrigation Potential Utilized (Gross Irrigated Area) 80 Goods Transport Vehicle [Nos] Cold Store Capacity[MT] 5. AGRO-PROCESSING UNITS 6. AREA, PRODUCTION & YIELD OF MAJOR CROPS No of units Cap.[MT] Chilly Sugarcane Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) Category of animal Total Male Veterinary Hospitals/Dispensaries [Nos] 6 Animal Markets [Nos] Milk Collection Centres Cattle - Cross bred Disease Diagnostic Centres [Nos] [Nos] Cattle - Indigenous Artificial Insemination Centers [Nos] Fishermen Societies [Nos] Mithun Animal Breeding Farms [Nos] 3 Fish seed farms [Nos] Sheep - Cross bred Animal Husbandry Tng Centres [Nos] Fish Markets [Nos] Sheep - Indigenous. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) No. of Sub Divisions Total Area Reported Forest Land Area Not Available for Cultivation Permanent Pasture and Grazing 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 Cultivators Of the above, Small/Marginal Farmers Agricultural Labourers Workers engaged in Household Industries Goat Pig - Cross bred Pig - Indigenous Fish Horse/Donkey/Camel Ginger Poultry - Cross bred Milk Poultry - Indigenous Meat Agro-climatic Zone Classification of Holding Population Scheduled Caste Scheduled Tribe Workers engaged in Allied Agro-activities Literate (%) Other workers Total Households Villages Electrified Villages having Agriculture Power Supply BPL Egg Eastern Himalaya Region, North East Hills (Zone-3) Holding 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Having brick/stone/concrete houses Anganwadis Having electricity supply Rural Households Having source of drinking water Having independent toilets BPL Households Having access to banking services Having radio/tv sets 0. VILLAGE-LEVEL INFRASTRUCTURE [Nos] Primary Health Centres Pesticides Consumed [MT]. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Dispensaries Villages having Primary Schools Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos] Villages having Primary Health Centres Total N/P/K Consumption [MT] Pumpsets Energised [Nos] Villages having Potable Water Supply Certified Seeds Supplied [MT] Agro Service Centres [Nos] Villages connected with Paved Approach Roads Total Area Available for Irrigation (NIA + Fallow) Irrigation Potential Created Net Irrigated Area(Total area irrigated at least once) Soil Testing Centres [Nos] Area irrigated by Canals / Channels Rural/Urban Mandi/Haat [Nos] Wholesale Market [Nos] Area irrigated by Wells Length of Pucca Road [Km] Godown [Nos] Area irrigated by Tanks Length of Railway Line [Km] Godown Capacity[MT] Area irrigated by Other Sources Type of Processing Activity Food (Rice/Flour/Dal/Oil/Tea/Coffee) 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) Meat (Chicken/Motton/Pork/Dryfish) Animal feed (Cattle/Poultry/Fishmeal) Public Transport Vehicle [Nos] Crop Paddy Maize Millet Pulses Oilseeds Potato Vegetables Cold Storage [Nos] ANIMAL POPULATION AS PER CENSUS 2003 [in '000] 8. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Dairy Cooperative Societies [Nos] Improved Fodder Farms [Nos] Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(77.8 kg per bale in India) Production [MT] Production [MT] Poultry hatcheries [Nos] Slaughter houses [Nos] 9. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Production [Lakh Nos] Production ['000 MT] Per cap avail. [gm/day] Per cap avail. [nos/p.a.] Per cap avail. [gm/day] Per cap avail. [gm/day] Area Avg. Yield [Qntl/Ha] Sources (if not mentioned against the respective item): Item Nos., 6, 7, 9 & 0 - Census 200; Item Nos. 2, 3, 5, 2, 3 & 4 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item No. 8 - BPL Survey 2002; Item No. 5 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 6 - DACNET; Item No. 7 - AH Census 2003; Item Nos. 8 & 9 - Dir. of Animal Hus./Dir. of Eco. & Stat. 2

7 Sources : Lead Bank & SLBC District: Banking Profile State: Arunachal Pradesh Lead Bank: State Bank of India Total Rural Semi-urban Urban mfis/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Banks NA Regional Rural Bank 0 NA NA NAS NA NA State Coop. Bank ;0 Coop. Agr. & Rural Dev. Bank Nil Primary Agr. Coop. Society/LAMPS '' ''0 0 All Agencies NA 2. DEPOSITS OUTSTANDING 3-Mar-0 3-Mar- 3-Mar-2 Growth(%) Share(%) 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks All Agencies Mar-0 3-Mar- 3-Mar-2 Growth(%) Share(%) 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks All Agencies CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio Growth(%) During Cumulative 3-Mar-3 3-Mar-4 3-Mar-5 Deposit Credit Deposit Credit Commercial Banks Commercial Banks Regional Rural Bank Regional Rural Bank Cooperative Banks Cooperative Banks All Agencies All Agencies 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 3/03/205) Commercial Banks NA NA Regional Rural Bank NA NA Cooperative Banks NA NA All Agencies NA NA 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS No. of Banks/Soc NETWORK & OUTREACH (As on 3/03/205) No. of Branches No. of accounts 3. LOANS & ADVANCES OUTSTANDING No. of accounts No. of non-formal agencies assoiated of Deposit [Rs.lakh] of Loan [Rs.lakh] Per Branch Outreach Priority Sector to Agr. Sector to Weaker Sections under DRI Scheme to Women [Rs.lakh] Average Ach in last 3 years Commercial Banks Regional Rural Bank Cooperative Banks All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Broad Sector Average Ach in last 3 years Crop Loan NA NA NA NA Term Loan (Agr) NA NA NA NA Total Agri. Credit NA Non-Farm Sector NA Other Priority Sector NA Total Priority Sector NA 9. RECOVERY POSITION Demand Demand Demand Average Rec. in last 3 years Commercial Banks NA NA 0.00 NA NA 8.00 NA NA NA Regional Rural Bank NA NA NA NA NA NA NA Cooperative Banks NA NA NA NA NA NA NA All Agencies NA NA NA NA NA NA NA 3