District Profile I IHaving access to banking services

Transcription

1 District Profile District - BIRBHUM State - WEST BENGAL Division- BURDWAN. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 45 Lower Gangetic Plain Region. A considerable area is undulating. Rocks of Agro-climatic Zone No. of Sub Divisions 3 Chhoto-Nagpur Plateau have extended into Western portion. No. of Blocks 9 Climate Temperature varies from 7 C to 43 C No. of Villages (Inhabited) 2232 Western is hard rock, red laterite, light texured, porous, gravel. Central and Soil Type No. of Panchayats 67 eastern part deposits of old and new alluvium of clay, sandy, loay. 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported [Ha] 458 Normal Actual Forest Land [Ha] 5853 Rainfall [in mm] Area Not Available for Cultivation 977 Variation from Normal Permanent Pasture and Grazing Land 382 Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 57 [Ham] Cultivable Wasteland DISTRIBUTION OF LAND HOLDING Current Fallow Holding Area Classification of Holding Other Fallow 3360 Nos. % to Total Ha. % to Total Net Sown Area 3206 <= Ha Total or Gross Cropped Area > to <-2 Ha Area Cultivated More than Once >2Ha Cropping Inensity [GCA/NSA] 3.4 Total WORKERS PROFILE [in 'ODD] 7. DEMOGRAPHIC PROFILE [in 'ODD] Cultivators Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers Population Agricultural Labourers Scheduled Caste Workers engaged in Household Industries Scheduled Tribe Workers engaged in Allied Agro-activities Literate Other workers BPL HOUSEHOLDS [in 'ODD] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households I IHaving brick/ stone/ concrete houses Rural Households I IHaving source of drinking water IHaving independent toilets BPL Households I IHaving access to banking services IHaving radio/tv sets 0. VILLAGE-LEVEL INFRASTRUCTURE [Nos]. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 2088 IAnganwadis 3084 [Dispensaries Villages having Agriculture Power Supply IPrimary Health Centres 58 [Hospitals 3 Villages having Post Offices 470 IPrimary Health Sub-Centres 425 IHospital Beds 26 Villages having Banking Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 2396 Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos] Villages having Primary Health Centres 58 Total N/P /K Consumption [MI] 42900/23000/ Pumpsets Energised [Nos] Villages having Potable Water Supply 239 Certified Seeds Supplied [:MI] Agro Service Centres [Nos] Villages connected with Paved Approach Roads Pesticides Consumed [:MI] Soil Testing Centres [Nos] 3. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 6054 Plantation nurseries [Nos] Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] Farmers' Clubs [Nos] 202 Irrigation Potential Created Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos] Net Irrigated Area(Total area irrigated at least once) INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels Rural/Urban Mandi/Haat [Nos] 29 Wholesale Market [Nos] 3 Area irrigated by Wells Length of Pucca Road [Km] 243 Godown [Nos] Area irrigated by Tanks 346 Length of Railway Line [Km] 20 Godown Capacityj Mf'] Area irrigated by Other Sources 8235 Public Transport Vehicle [Nos] 685 Cold Storage [Nos] 6 Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] 4385 Cold Store Capacity[:MI] AGRO-PROCESSING UNITS 6. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MI] Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) 73 Area (Ha) Prod. (MI) Area (Ha) Prod. (MI) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) Rice Fruit (Pulp/Juice/Fruit drink) Wheat Spices (Masala Powders/Pastes) Pulses Dry-fruit (Cashew/Almond/Raisins) Oilseeds Cotton (Ginnining/Spinning/Weaving) Sugercane Milk (Chilling/Cooling/Processing) lit Potato Meat (Chicken/Motton/Pork/Dryfish) Jute Animal feed (Cattle/Poultry /Fishmeal) Production ofcotton(lint), Jute, Mesta & Sanhemp are in Bales(77.8 kg per bale in India) 7. ANIMAL POPULATION AS PER CENSUS 2007 [in 'ODD] 8. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 86 Animal Markets [Nos] 6 Cattle - Cross bred Disease Diagnostic Centres [Nos] 353 Milk Collection Centres [Nos] Cattle - Indigenous Artificial Insemination Centers [Nos] 248 Fishermen Societies [Nos] 20 Buffaloes Animal Breeding Farms [Nos] Fish seed farms [Nos] 2 Sheep - Cross bred Animal Husbandry Tng Centres [Nos] Fish Markets [Nos] 4 Sheep - Indigenous Dairy Cooperative Societies [Nos] 42 Poultry hatcheries [Nos] Goat Improved Fodder Farms [Nos] Slaughter houses [Nos] Pig - Cross bred 9. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 4977 Fish Production [:MI] 2600 Per cap avail. [gm/day] Horse/Donkey/Camel Egg Production [Lakh Nos] Per cap avail. [nosyp.a.] Poultry - Cross bred + indege Milk Production ['ODD :MI] 9 Per cap avail. [gm/day] 0 Poultry - Indigenous Meat Production [:MI] Per cap avail. [gm/day] Sources (if not mentioned against the Item Nos., 6, 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 respective item): 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.yDir.

2 District- BIRBHUM Banking Profile State - WEST BENGAL I Lead Bank- UCOBANK NETWORK & OUTREACH (As on 3/03/204) No. of No. of Branches No. of non-formal agencies assoiated Per Branch Outreach Banks/Soc. Total Rural Semi-urban Urban rnfis/rnfos SHGs/LGs BCs/BFs Villages Households Commercial Banks Regional Rural Bank District Central Coop. Bank Coop. Agr. & Rural Dev. Bank Primary Agr. Coop. Society (WBFC) All Agencies DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [RS.'OOO] 3-Mar- 3-Mar-2 3-Mar-3 Growth(%) Share(%) 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) Commercial Banks NA NA NA NA NA Regional Rural Bank NA NA NA NA NA Cooperative Banks NA NA NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [RS.'OOO] 3-Mar-2 3-Mar-3 3-Mar-4 Growth(%) Share(%) 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) Commercial Banks NA NA NA NA NA Regional Rural Bank NA NA NA NA NA Cooperative Banks NA NA NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. ot Ales) CD Ratio During Cumulative I 3-Mar-3 3-Mar-4 3-Mar-5 Deposit Credit Deposit Credit Commercial Banks Regional Rural Bank Cooperative Banks Commercial Banks Regional Rural Bank Cooperative All Agencies All Agencies PERFORMANCE TO FULFILL NATIONAL GOALS (As on 3/03/205) Banks 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 Amount [Rs.'OOO] % of Total Amount % of Total % of Total Loans [Rs.'OOO] Loans [Rs.'OOO] Loans [Rs.'OOO] Loans [Rs.'OOO] Loans Commercial Banks Regional Rural Bank Cooperative Banks All Agencies AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach'ment Ach[%] in Ach'ment [%] Target [Rs.'OOO] [Rs.'OOO] [Rs. '000] [%] [Rs.'OOO] [Rs. '000] [Rs. '000] [%] last 3 years Commercial Banks Regional Rural Bank Cooperative Banks All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Broad Sector Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach'ment Ach[%] in Ach'ment [%] Target [Rs.'OOO] [Rs.'OOO] [Rs. '000] [%] [Rs.'OOO] [Rs. '000] [Rs. '000] [%] last 3 years Crop Loan Term Loan (Agr) Total AgrL Credit MSMESector Other Priority Sector Total Priority Sector RECOVERY POSITION Average Rec. Demand [Rs. Recovery Demand [Rs. Recovery Recovery [%] in last 3 Recovery [%] Recovery [%] Demand [Rs. 000] Recovery [%] '000] [Rs. '000] '000] [Rs. '000] [Rs. '000] years Commercial Banks Regional Rural Bank Cooperative Banks #DIV/OI #DIV/O! All Agencies Sources: Lead Bank & SLBe

3 PLP BIRBHUM I EXECUTIVE SUMMARY INTRODUCTION "Accelerating the pace of capital formation in agriculture and allied sector" has been kept as the backdrop theme for preparation of this document. Besides a resource document, the PLP for is aimed at quantification of potential for exploitation through credit intervention and estimation of credit requirement for such exploitation, taking into account availability of infrastructure, credit absorption, capacity and strengths and weakness of rural credit institutions. The following paragraphs broadly outline the essential features of the document:- Birbhum is an important district of the Rarh region and its shape looks like an isosceles triangle. It has 3 sub divisions and 9 blocks. It comes under the lower gangetic plain region with the climate being hot and dry. The soil is low alluvium and red laterite. Three fourth of the district falls under the Red and Laterite soil which is unfertile. Agriculture and allied activities form the backbone of the economy of the district, with the majority of the population dependent on it for their livelihood. Paddy, wheat, maize, oilseeds and potatos are the major crops. Rice and potato are grown in surplus whereas there is deficit production in oilseeds and pulses. The cropping intensity is 3.4%. 2 A total of 20 Commercial Banks, RRB and 2 ARDBs and DCCB with a total of 273 branches are operating in Birbhum. However, the operation of the DCCB has been suspended based on instructions issued by Reserve Bank of India. Accordingly, the DCCB with its network of 8 rural and 9 semi urban branches have stopped its operations. UCO Bank has 2 mobile banking facility in the district. The CD ratio of the district has since dropped to 37.6 which is a major cause of concern. A total of 245 BCs have been appointed by the CBs and the RRB. wise sectoral trends in credit flow vis-a-vis the allocated target has been enumerated in Annexure II. The percentage achievements under priority sector lending for 20-2, 202-3, and are 25.85%, 29.98%, 8.04% and 22.86%. II AREA BASED SCHEMES Under Water Resources the development process is weighed more in favour of exploiting ground water resources. Although Birbhum district is blessed with sufficient number of water bodies, the unavailability of water during seasons other than monsoons has been creating problems. Potential estimated under this sector is {562.83lakh. 2 Farm mechanisation of field operations is projected to require a credit flow of {58.6 lakh. This includes tractors, power tillers and other farm machinery i.e. power sprayer, thresher etc. Paddy Transplanter and Combined Harvester are to be popularized. 3 The horticulture development in the district, including sericulture would require a credit flow of { lakh. Proper development of the sector would require investment in horticulture and sericulture farms to aid extension work and establishment of seed production centres and farms for supply of DFLs and plantlets. 4 The forest cover of Birbhum is about 3.5% of the total area as against the prescribed national benchmark of 0%. The credit flow projected for this sector is {374.56lakh. 5 The credit potential estimated under the Animal Husbandry sector for agriculture allied activities comprising Dairy, Poultry and Sheep Goat Piggery is to the tune of { lakh, {3764.7lakh and { lakh respectively. 6 Fisheries, also serve to supplement the income of the farmers. With creation of infrastructure and the initiatives taken by the Department the estimated credit flow under this sector is { lakh during the year The potential for other allied activities viz. bullocks and bullock carts have been estimated to the tune of {867.68lakh during the year The development of storage infrastructure, Godowns and cold storages are a felt necessity especially in view of the distress sale and need for appropriate price realization by the producers. In view of the scope this sector offers, the credit flow has been pegged at { Lakh. 9 In order to meet the challenges of sustaining this population with food and shelter, planned

4 PLP BIRBHUM efforts are to be made to a) increase productivity, b) bring new areas under cultivation, c) reclamation of land through soil treatment, improving drainage facilities. The credit flow estimated under Land Development is {423.87akh. 0 To increase productivity there is a need to use quality seeds, bio fertilizer, bio pesticides and avail benefits of tissue culture. The credit flow estimated under these activities is {54.48 lakh. Considering the ample opportunity in the district for setting up various Food Processing Industries to utilise the available raw material, a sum of { lakh has been estimated towards credit flow during Within the anciliary activities there are ample opportunity for providing loans to agricultural graduates for setting up of ACABC as also for financing of mfis. Loans can also be provided to Cooperative societies of farmers / POs for disposing of their produce. An estimated credit flow of {88.00 has been projected for the year The development of secondary (MSE) including the manufacturing sector, service sector, KVI sector units and other finances under MSE are a necessity for employment generation. Industries also serve as a support system of agriculture. It also aids the process of value addition of agri produce and development of traditional activities prevalent in the district. A credit potential of { lakh has been estimated for MSE activities during including both investment and working capital. 4 Export credit has been incorporated as a separate sector under priority sector. It has immense potential in the district. An initial Bank loan of { lakh has been estimated for The importance of education in the society has been further stressed by incorporation of education as a separate sector within the items under Priority Sector. A credit potential of { lakh has been estimated for Housing is also included as a separate sector within the Priority sector items. The importance of housing needs no clarification. The credit potential estimated for is { lakh. 7 Several renewable energy systems and products are now commercially available, and are also economically viable in comparison to fossil fuels. The banking sector has to support the development of this activity to ensure energy self-sufficiency of the country and the credit requirement has been projected at { lakh. 8 Development of women through formation of SHGs and credit linkages with the bank is taken up through partners like NGOs, Farmers Clubs by NABARD and is projected to be the ideal developmental tool to ensure access to banking services in the years to come in conjunction with socio - economic empowerment of the women and hence all round development of the district. Birbhum has been identified as a WSHG district and thereby has given impetus to this programme. Credit potential for this sector is estimated at { lakh. 9 Importance of social infrastructure has been emphasized with its inclusion under priority sector for being financed by the Banks. A credit estimate of {384akh has been made for III INFRASTRUCTURE Infrastructure support is the key to the planned development process to be taken in immediate future. The critical infrastructure requirement for new projects in the district has been assessed at {44.89 cr alongwith the balance identified amount of {63 crore to enhance credit flow in different sectors of the district. Mainly six components of infrastructure i.e Irrigation, roads, water supply, Housing, rural electrification and telecom are to be given priority. IV CONCLUSION In order to give a fillip to capital formation in agriculture, the agriculture term loan has been increased to 35.09% of total agriculture. The LBR submission has to improve. All the branches of the commercial banks and RRB are CBS compliant. Still there are 46 unbanked Gram Panchayats where Bank branches may be opened. The district has 229 ATMs of which 26 are in rural areas and 03 in semi urban areas. The size of the land holding in the district is very small (avg 0.7 ha) thus giving ample opportunities for financing oral lessees, tenant farmers and Joint Liability Groups (JLG). The unit cost has been revised. The scale of finance is being revised. There has also been change in the cropping pattern of the farmers with greater emphasis on plantation and Horticulture. There is a lack of entrepreneurship as also knowledge for setting up big units of dairy, piggery and goatery. On

5 PLP BIRBHUM account of drying up of ponds in summer as also lack of perennial ponds the fisheries sector has not been thriving to the desired extent. The impetus of the State Government in this sector is expected to create enthusiasm among farmers. Emphasis on farm mechanization and presence of modern transportation systems have resulted in lesser requirement of bullocks and bullock carts. BROAD SECTOR-WISE PROJECTIONS ({ Lakh) Sr.No Particulars Financial Projection A Farm Credit i Crop Production, Maintenance and Marketing II Term Loan for agriculture and allied activities Sub Total B Agriculture Infrastructure C Anciliary 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 VIII Social Infrastructure involving bank credit Total Priority Sector (I to VIII)

6 PLP BIRBHUM SUMMARY OF SECTOR / SUB SECTOR - WISE PLP PROJECTIONS (~ Lakh) Sr.No Particulars PLP Projection I Credit Potentail for Agriculture A Farm Credit I Crop Production, Maintenance and Marketing Ii Water Resources Iii Farm Mechanisation 58.6 Iv Plantation and Horticulture (including Sericulture) V Forestry and Waste Land development Vi Animal Husbandry - Dairy Vii Animal Husbandry - Poultry Viii Animal Husbandry - Sheep, Goat, Piggerv etc Ix Fisheries (Marine, Inland, Brackish Water) X - Bullock, Bullock cart etc Sub Total B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, Godowns, Silos, Cold Storage units j Cold Storage chains) II Land Development, Soil conservation, Watershed development III (Tissue culture, Agri bio-technology, Seed production, Bio pesticides j fertilisers, vermin composting) Sub Total C Ancillary activities i Food and Agro processing II (Loans to Cooperative Societies of farmers for disposing of their produce, Agri Clinicsj Agri Business Centres, Loans to PACSj FSSj LAMPS, Loans to MFIs for onlending Sub Total Total Agriculture II Micro, Small and Medium Enterprises i MSME - Working capital II MSME - Investment Credit Total MSME III Export credit IV Education V Housing VI Renewable Energy VII - (Loans to SHGsj JLGs, loans to distressed persons to prepay non institutional lenders, PMJDY, loans to state sponsored organisations for SCjST) VIII Social Infrastructure involving bank credit Total Priority sector