स भ व यत य क त त ऋण य जन

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1 स भ व यत य क त त ऋण य जन 6-7 POTENTIAL LINKED CREDIT PLAN FOR 6-7 DISTRICT : THIRUVANANTHAPURAM जल ल : तर वन तप रम STATE : KERALA र ज य : क रल र ष टर य क ष और म म ण वक स ब क क रल क ष ऽ य क य र लय, तर वन तप रम NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT KERALA REGIONAL OFFICE, THIRUVANANTHAPURAM

2 Mission Promote sustainable and equitable agriculture and rural prosperity through effective credit support, related services, institution development and other innovative initiatives

3 NABARD FOREWORD It gives me great pleasure to present the Potential Linked Credit Plan (PLP) for the year 6-7 prepared by NABARD for which would serve as a resource document for the preparation of Annual Plan for the District and help credit planning of banks based on the potential available. The theme of the document for the plan year is Accelerating the pace of capital formation in agriculture and allied sectors. The estimates made in the base PLP for the year 2-7, especially the disaggregated (block wise activity wise) physical and financial estimates, have been reviewed and revised based on the actual ground level situation prevailing and after factoring in price level changes. The revised RBI guidelines on Priority Sector Lending (PSL) have been suitably incorporated in the PLP document. In order to provide necessary thrust to capital formation in agriculture, the PLP document also contains Special Area Development Schemes identified for each district keeping in view the local conditions, potentials available for development, existing infrastructure, technologies required, entrepreneurial capabilities, marketing arrangements etc. The credit outlays and assessment provided in the plan have taken into account the views of various stake holders in the district. I would like to express my sincere gratitude to Shri. Biju Prabhakar, IAS, District Collector, Ms. Harsha Vijayakumar, Lead District Officer, Reserve Bank of India, Shri. P. R. Unnikrishna Pillai, Lead District Manager, Indian Overseas Bank, the Heads of line Departments and Controlling officers for their cooperation, support, assistance and valuable suggestions provided to our District Development Manager Smt. Sandhya Nagesh in preparation of this document. The line departments may please ensure that their sectoral plans are included in the District Credit Plan and allocated to banks. I am confident that this document would help in better planning of directed credit towards priority sectors by all the stake holders. Suggestions to further improve the document are welcome. Ramesh Tenkil Chief General Manager

4 Potential Linked Credit Plan 6-7 Sl.No. Contents Page No. Executive Summary -3 Sector/ sub-sector wise projections for Map of the District 6 District Profile 7-8 Banking Profile 9- Chapter Policy initiatives -3 Chapter 2 Government Sponsored Programmes with bank credit 4-9 Chapter 3 Credit Potential for Agriculture Farm Credit 3.. Crop Production, Maintenance and Marketing Water Resources Farm Mechanization Plantation & Horticulture Forestry & Waste Land Development Animal Husbandry Dairy Animal Husbandry Poultry Animal Husbandry Sheep, Goat, Piggery etc Fisheries Others Bullock, Bullock Carts etc Agriculture Infrastructure Construction of Storage Facilities Land Development, Soil Conservation and Watershed Development Others Ancillary Activities 3.3. Food and Agro processing Others 50 Chapter 4 Credit Potential for Micro, Small and Medium Enterprises (MSME) Chapter 5 Potential for Export Credit Chapter 6 Credit Potential for Education Chapter 7 Credit Potential for Housing Chapter 8 Credit Potential for Renewable Energy Chapter 9 Credit Potential for Others Chapter Infrastructure Support Chapter Informal Credit Delivery System Chapter 2 Area Development Plan/ Scheme Annexures I Activity-wise and Block-wise Physical and Financial Projections II An overview of Ground Level Credit Flow Agency-wise and Sector-wise for 2-3, 3-4, 4- and target for III Sub-sector-wise and Agency-wise Credit Flow under Agriculture and allied activities 2-3, 3-4, 4- and target for IV Indicative unit costs (for major activities of the district) as arrived at by NABARD for its internal use. 88 V Scale of finance for major crops fixed by District Level Technical Committee (DLTC) for VI (i) Block wise details of potential available for promotion and savings linkage of SHGs / JLGs 90 VI (ii) Block wise potential for credit linkage of SHGs / JLGs 90 Abbreviations 9-92

5 POTENTIAL LINKED CREDIT PLAN (PLP): 6-7 THIRUVANANTHAPURAM DISTRICT EXECUTIVE SUMMARY I General The theme of the PLP 6-7 will be Accelerating the pace of capital formation in agriculture and allied sector. Thiruvananthapuram district has a total geographical area of 288 sq km of which per cent is covered by forests. About 99 per cent of the total land holdings are of less than one hectare size and the average land holding is 0. ha. Both net sown area and gross cropped area have declined progressively over the last years, with slight fluctuation in some years. Coconut, rubber, tapioca, pepper, banana and vegetables are the major crops grown. The area under paddy, coconut and pepper have increased during the year 3-4 whereas the area under rubber and arecanut has declined during 3-4, as compared to that in 2-3. Coconut continues to be the major crop in the district with an area of ha and productivity of 7726 million nuts during 3-4. The concept of organic farming is gaining momentum in the district. Prominent allied activities are dairy, poultry and goat rearing. Handloom weaving is the major traditional non-farm activity. Ground Level Credit flow under Priority Sector, which stood at ` crore during 2-3, decreased by 4.57 per cent to ` cr during 3-4 and then increased by 2.34 percent to ` cr during 4- owing to the quantum jump in credit flow under crop loans and non-farm sector. While both primary and secondary sector exhibited an impressive annual growth of 45%, the tertiary sector witnessed a negative annual growth of 8% during 4-. The primary sector constituted 63 per cent while the share of Secondary and Tertiary Sectors were in the range of and 26 per cent respectively during 4-. All banks collectively achieved the overall targets set under Annual Credit Plan (ACP) during last two years. During the year 4-, the ACP target under agriculture was exceeded by 44%. However, the achievement under secondary and tertiary sectors fell short of the respective sectoral targets by 36% and 30%. CD Ratio of the district, which was 66 per cent as on 3 March 4, dropped marginally to 65 per cent as on 3 March. Banks in the district were able to achieve national goal benchmarks in respect of credit to priority sector, agriculture and weaker sections, but fared poorly in DRI advances. The Base PLP projection for 6-7 in respect of Thiruvananthapuram district was ` cr and the revised/re-assessed projection stood marginally increased to ` crore. The revised projection for 6-7 is 8.35 per cent higher than the PLP projection for -6 and.30% higher than the ACP target for the year -6. The share of Primary, Secondary and Tertiary Sectors are in the order of 38, and 42 per cent of the total projections. Crop production has a share of 25 per cent of the total priority sector projection and per cent of the total projection for agriculture sector. The share of term loans (including various sectors, agriculture infrastructure and ancillary activities like food and agro processing) in total agriculture is 33. per cent. The Base PLP projection for the year 6-7 has undergone revision in respect of all sectors mainly due to revision of unit costs of certain activities as well as the inclusion of new sectors like export credit, medium enterprises etc. and reclassification of certain activities like food and agro-processing, land development etc. The projection under Plantation and horticulture was scaled down by % as compared to the base PLP, due to an expected reduction in area under cultivation and low off-take of credit for crops like rubber in view of the prevailing low market prices. The projections under a few sectors like dairy, poultry, water resources, storage facilities, food and agro-processing and MSME were scaled up in comparison with the Base PLP keeping in view the renewed thrust accorded by the central and state government through the announcement of various flagship programmes in the respective sectors (PRODUCE Fund for farmer producers organization, Micro-irrigation, Warehousing Infrastructure Fund, Food

6 Processing Fund, Make-in India, Skill India, Micro-units Development (MUDRA) etc. to name a few). Key constraints in respect of major sectors are summarized below: Crop Loans: Inadequate incentives for food crops, KCC coverage, storage & marketing Water Resources: Low irrigation intensity, poor propagation of micro irrigation Land Development: Inadequacy of organic inputs for promotion of organic farming Farm Mechanisation: Fragmented land holdings unsuitable for available farm machinery Plantation & Horticulture: Inadequate supply of quality planting material, lack of infrastructure for value addition, processing, storage & marketing, lack of affordable systems and technology for protected cultivation. Animal Husbandry-Dairy: Inadequate availability of quality animals and fodder Animal Husbandry-Poultry: Inadequate availability of good quality chicks locally Animal Husbandry-Goat/Pig: Lack of organized systems for production and marketing Fisheries: Lack of sufficient number of hatcheries/ seed farms particularly for fresh water fishes/ prawns and brackish water prawns and seeding material for culture of crabs will address a critical constraint in development of inland fisheries. Storage Godown & Market Yards: Lack of modern markets, storage facilities, insignificant agriculture production and high price of land. Renewable Energy: Non-availability of quality devices at affordable cost Micro & Small Enterprises: Lack of incentives for land & power, inadequate skill training Other Priority Sector: Improvement in infrastructure for connectivity & power needed. II New Schemes & Programmes Realising the importance of collectivisation and role of FPOs in enhancing the producers income through collective action, Govt. of India in the Union Budget 4- has established Producers Organisation Development and Upliftment Corpus (PRODUCE) Fund of `.0 crore in NABARD to be utilized for the building and promotion of 00 FPOs over a period of two years. This initiative would go a long way in addressing the initial requirements of the emerging FPOs, which would provide new business opportunities for financing institutions. In order to further boost the credit flow to FPOs, the RBI has included lending to FPOs by commercial banks and RRBs as lending under Priority sector. There is immense potential in the district for aggregating the farmers into FPOs thereby providing better opportunities in collective agri-business. Producer Companies/Organizations need to be promoted to improve viability of farming operations in the wake of small production units. The potential segments in the district are coconut, banana and vegetable cultivation, fruit processing, dairy and poultry development etc. In, NABARD has supported formation of four FPOs under PRODUCE Fund for activities like poultry layer farming, production, processing and value addition of fruits and vegetables, honey bee production, and rubber production and processing. With a view to supplementing the lending resources of PACS, NABARD has sanctioned two projects under Producers Organisation Development Fund (PODF) to one PACS in the district viz., Marayamuttom PACS for on-lending for dairy and poultry farmers. In addition to this, financial assistance has been sanctioned to Sanghamaitri Fruits and Vegetables Collection and Marketing Society under PODF for setting up training cum skill development centre for vegetable producers. With a view to having cluster based, planned approach for development of potential activities in compact areas, with active participation of all the stake holders, Area Development Schemes have been formulated. Based on the 2

7 assessed ground level potential, availability of linkage support and other required factors, two activities viz., Dairy-milch animals and poultry has been identified for formulation of Area Based Schemes in Thiruvananthapuram district (details are given in Chapter 2). The future strategy for micro credit programme in the district will involve promotion of micro enterprises through JLGs. The programme will also integrate into National Rural Livelihood Mission (NRLM). III Infrastructure The district has A+ status in rural electrification, connectivity, drinking water supply, education/literacy and health services while it has only D status in respect of irrigation. Under RIDF (tranche I to XX) as many as 43 projects with loan assistance of ` crore were sanctioned in the district, which are expected to accelerate the pace of rural and agriculture development. The critical infrastructure requiring attention of the state government in the district include creation and rejuvenation of Minor irrigation structures, Rain water harvesting, watersheds, Agricultural Storage, Warehousing and marketing infrastructure etc. Infrastructure which can be supported through private investment with credit support include storage and marketing, agro service centres, value addition and processing facilities etc. IV Review and monitoring Coordinated efforts by all the stake holders are required to ensure desired flow of credit to priority sector in general and investment credit for enhancing capital formation in particular. Reviews in DCC/BLBC meetings should be more focused and should address channelising credit flow to promote growth in agriculture and MSME sectors. SAMIS reporting system needs to be strengthened for meaningful review. 3

8 Appendix A to Annexure : Broad Sector wise PLP Projections- 6-7 District: Thiruvananthapuram ` Lakh Sr. No. Particulars PLP Projections 6-7 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 48.8 I Credit Potential for Agriculture (A+B+C) II Micro, Small and Medium Enterprises III Export Credit IV Education V Housing 2.57 VI Renewable Energy VII Others VII Social Infrastructure involving bank credit Total Priority Sector (I to VIII) Revised Credit Potential for 6-7 (`. Lakh) Loans to SHGs/JLGs, PMJDY, etc., , 8% Other priority sectors, 722.2, 0% Crop Production, Maintenance & Marketing, , 25% Housing, 2.57, 2% Micro, Small and Medium Enterprises, , % Education, , 3% Agriculture Infrastructure & ancillary activities, , 2% Term Loan for agri. & allied activities, 82.42, % 4

9 Appendix B to Annexure Summary of Sector/ Sub-sector wise PLP projections 6-7 District: THIRUVANANTHAPURAM ` Lakh Sr. No. I A Particulars Credit Potential for Agriculture Farm Credit Potential for 6-7 as per Base PLP PLP Projections 6-7 i Crop Production, Maintenance and Marketing ii Water Resources iii Farm Mechanisation 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, Piggery, etc ix Fisheries (Marine, Inland, Brackish water) x Others - Bullock, Bullock cart, etc B Sub Total Agriculture Infrastructure i Construction of storage facilities ii iii Land development, Soil conservation, Watershed development Others(Tissue culture, Agri bio-technology, Seed production, Bio-pesticides/ fertilizers, Vermi composting) Sub Total C Ancillary activities i Food and Agro processing ii Others (Loans to Cooperative Societies of farmers for disposing of their produce, ACABC, Loans to PACS/FSS/LAMPS, Loans to MFIs for on lending II Sub Total Total Agriculture 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 Others (Loans to SHGs/JLGs, loans to distressed persons to prepay non-institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) VII Social Infrastructure involving bank credit Total Priority Sector

10 MAP OF THE DISTRICT 6

11 District Profile District - THIRUVANANTHAPURAM State - KERALA. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 288 Agro-climatic Zone Western Plains and Ghat Region - Costal Midland Region (Zone 2) No. of Sub Divisions (Taluks) No. of Blocks No. of Villages (Inhabited) No. of Panchayats Climate Soil Type Dry Sub-Humid and per Humid Laterite, Red Loamy, Costal Alluvium 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 2878 Normal Actual Forest Land 4986 Rainfall [in mm] Area Not Available for Cultivation Variation from Normal Permanent Pasture and Grazing Land 2 Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 24 [Ham] NA NA NA NA NA Cultivable Wasteland Current Fallow Classification of Holding 5. DISTRIBUTION OF LAND HOLDING Holding Area Other Fallow 57 Nos. % to Total Ha. % to Total Net Sown Area <= Ha Total or Gross Cropped Area 4322 > to <=2 Ha Area Cultivated More than Once >2 Ha Cropping Inensity [GCA/NSA] 8 Total WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] CENSUS Cultivators 2 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers NA Population Agricultural Labourers 263 Scheduled Caste Workers engaged in Household Industries 37 Scheduled Tribe Workers engaged in Allied Agro-activities 63 Literate Other workers 474 BPL HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 759 Having brick/stone/concrete houses NA Having electricity supply NA Rural Households 506 Having source of drinking water Having independent toilets NA BPL Households 88 Having access to banking services Having radio/tv sets NA. VILLAGE-LEVEL INFRASTRUCTURE [Nos]. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 6 Anganwadis Dispensaries NA Villages having Agriculture Power Supply Primary Health Centres NA Hospitals 253 Villages having Post Offices 6 Primary Health Sub-Centres NA Hospital Beds 602 Villages having Banking Facilities 6 2. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 6 Fertiliser/Seed/Pesticide Outlets [Nos] 4 Agriculture Pumpsets[Nos] Villages having Primary Health Centres 6 Total N/P/K Consumption [MT] 8602 Pumpsets Energised [Nos] NA Villages having Potable Water Supply 6 Certified Seeds Supplied [MT] NA Agro Service Centres [Nos] NA Villages connected with Paved Approach Roads 6 Pesticides Consumed [MT] NA Soil Testing Centres [Nos] IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 304 Plantation nurseries [Nos] 6 Total Area Available for Irrigation (NIA + Fallow) 848 Power Tillers [Nos] 8 Farmers' Clubs [Nos] 64 Irrigation Potential Created Threshers/Cutters [Nos] 437 Krishi Vigyan Kendras[Nos] Net Irrigated Area(Total area irrigated at least once) INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 3073 Rural/Urban Mandi/Haat [Nos] 2 Wholesale Market [Nos] 23 Area irrigated by Wells 4498 Length of Pucca Road [Km] 2437 Godown [Nos] 8 Area irrigated by Tanks 388 Length of Railway Line [Km] 8.00 Godown Capacity[MT] NA Area irrigated by Other Sources 425 Public Transport Vehicle [Nos] Cold Storage [Nos] Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] Cold Store Capacity[MT] NA. AGRO-PROCESSING UNITS 6. 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 NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) NA NA Paddy Fruit (Pulp/Juice/Fruit drink) NA NA Coconut (m.nuts) (m.nuts) 7726 nuts Spices (Masala Powders/Pastes) NA NA Banana Dry-fruit (Cashew/Almond/Raisins) NA NA Rubber Cotton (Ginnining/Spinning/Weaving) NA NA Tapioca Milk (Chilling/Cooling/Processing) 2 Pepper Meat (Chicken/Mutton/Pork/Dryfish) NA NA Arecanut Animal feed (Cattle/Poultry/Fishmeal) NA NA 7. ANIMAL POPULATION AS PER CENSUS 2 [in '000] 8. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] Animal Markets [Nos] NA Cattle 2 NA NA Disease Diagnostic Centres [Nos] Milk Collection Centres [Nos] NA Buffaloes 4 NA NA Artificial Insemination Centers [Nos] 25 Fishermen Societies [Nos] 86 Sheep - Cross bred NA NA Animal Breeding Farms [Nos] 7 Fish seed farms [Nos] 3 Sheep - Indigenous 0 NA NA Animal Husbandry Tng Centres [Nos] 2 Fish Markets [Nos] 337 Goat 64 NA NA Dairy Cooperative Societies [Nos] 47 Poultry hatcheries [Nos] 3 Pig - Cross bred NA NA Improved Fodder Farms [Nos] Slaughter houses [Nos] NA Pig - Indigenous 3 NA NA Dairy Extension Service Units [Nos] 2 Quality control units - Dairy [Nos] Horse/Donkey/Camel NA NA 9. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Poultry - Cross bred 33 NA NA Fish Production [MT] 5490 Per cap avail. [gm/day] 5 Poultry - Indigenous 2 NA NA Egg Production [Lakh Nos] 4 Per cap avail. [nos/p.a.] 73 Milk Production ['000 MT] Per cap avail. [gm/day] 227 Meat Production [MT] Per cap avail. [gm/day] 33 7

12 DISTRICT PROFILE Important Additional Information is the southernmost district of the coastal state of Kerala, in south India. It came into existence in the year 957. The district has an area of 2,88 square kilometres and a population of 3,307,284 (as per the census), second-most populous district in Kerala after Malappuram district. The Gross Domestic Product (GDP) of Thiruvananthapuram district for the year 3-4 at current prices was ` crore (Quick estimates), which worked out to.07 per cent of the GDP of the state and registered a growth of.2% over the year 2-3. The share of primary, secondary and tertiary sectors were 6, 2 and 73 per cent respectively. The per capita income of the district at constant (04-05) prices was ` in 3-4 as compared to ` for the State as a whole. The district ranked fourth in terms of per capita income during the year 3-4 with an annual growth of 6.82% over the level of ` in 2-3. With a land holding size of just 0. ha, homestead farming, is the most popular farming system adopted in the district. Coconut, rubber, tapioca, pepper, banana and vegetables are the major crops grown. The district has been included under AEZ for banana, exotic vegetables and medicinal plants. Animal husbandry activities like dairy, poultry and goat farming are the major allied activities in the district. Fisheries is also a major activity in the district, with a long coastline and abundant surface water resources. Handloom is the major non-farm sector activity in the district, though it has lost some of its old prominence. With abundant raw material base, agro & food-processing sector has good prospects in the district. 8

13 Banking Profile District - THIRUVANANTHAPURAM State - KERALA Lead Bank - INDIAN OVERSEAS BANK Agency Total Rural Semi-urban Urban mfis/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Banks NA NA Regional Rural Bank NA 85 NA District Central Coop. Bank NA 692 NA.55 0 Coop. Agr. & Rural Dev. Bank NA - NA Primary Agr. Coop. Society NA - NA Others - Kerala Financial Corporation - - NA - NA All Agencies NA NA Agency 3 Mar 3 3 Mar 4 3 Mar Growth(%) Share(%) 3 Mar 3 3 Mar 4 3 Mar 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 Agency 3 Mar 3 3 Mar 4 3 Mar Growth(%) Share(%) 3 Mar 3 3 Mar 4 3 Mar 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 Agency CD Ratio During 4- Cumulative Agency 3 Mar 3 3 Mar 4 3 Mar Deposit Credit Deposit Credit Commercial Banks ########## Commercial Banks NA NA NA NA Regional Rural Bank Regional Rural Bank NA NA NA NA Cooperative Banks ########## Cooperative Banks NA NA NA NA Others NA NA NA Others NA NA NA NA All Agencies ########## All Agencies NA NA NA NA Agency Commercial Banks NA NA Regional Rural Bank NA NA Cooperative Banks NA NA Others NA NA All Agencies NA NA Agency Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies Broad Sector No. of Banks/Soc. Target [Rs.'000] Ach'ment [Rs. '000] Ach'ment [%] Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector Agency 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 Sources : Lead Bank. NETWORK & OUTREACH (As on 3/03/) No. of Branches No. of non-formal agencies associated Per Branch Outreach No. of accounts 2. DEPOSITS OUTSTANDING 3. LOANS & ADVANCES OUTSTANDING No. of accounts 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 3/03/) Amount of Deposit [Rs.'000] Amount of Loan [Rs.'000] 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Amount [Rs.'000] Target [Rs.'000] Demand [Rs. '000] % of Total Loans Amount [Rs.'000] % of Total Loans Amount [Rs.'000] % of Total Loans Amount [Rs.'000] 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS % of Total Loans Ach'ment [Rs. '000] Ach'ment [%] Target [Rs.'000] Ach'ment [Rs. '000] Ach'ment [%] Ach'ment [%] Target [Rs.'000] Target [Rs.'000] Ach'ment [Rs. '000] Recov ery [Rs. '000] Recov ery [%] Target [Rs.'000] Ach'ment [Rs. '000] 9. RECOVERY POSITION Demand [Rs. '000] 3-4 Recov ery [Rs. '000] Recov ery [%] Demand [Rs. '000] Ach'ment [Rs. '000] 4-5 Recov ery [Rs. '000] Amount [Rs.'000] Ach'ment [%] Ach'ment [%] Recov ery [%] % of Total Loans Av erage Ach[%] in last 3 y ears Av erage Ach[%] in last 3 y ears Av erage Rec. [%] in last 3 y ears 9

14 BANKING PROFILE i. Lead Bank of the district : Indian Overseas Bank is the Lead Bank of the District. ii. Banking Network: The district has a very good network of banks and other financial institutions. There are 45 Commercial Banks, one RRB, one DCCB, five PCARDBs and 4 Primary Agricultural Cooperative Banks operating in the district in addition to Head Offices of KSCB and KSCARDB. There are 636 branches of commercial banks (including 75 branches of Private sector banks), 39 branches of RRBs, 75 branches of DCB (including one mobile branch), 3 branches of PCARDBs and 4 PACS functioning in the district. Average population covered by the banking sector is around Performance Parameters of Banks. Deposits: Deposits outstanding of various financial agencies has increased from ` crore as on 3 March 4 to ` crore as on 3 March achieving a growth of 4% over the last year. 2. Loans Outstanding : The loans outstanding has gone up from ` crore as on 3 March 4 to ` crore as on 3 March registering a growth of 2% over the last year. 3. Credit Deposit Ratio: The overall CD ratio of the district has marginally decreased to 65% as on 3 March as compared to 66% as on 3 March 4 and 7% as on 3 March 4. While the overall CD ratio for the district was 65%, the Co-operative Banks recorded a CD ratio of 7% and Public Sector banks recorded 93%. RRBs had a CD ratio of only 44% whereas Private Sector Banks had a CD ratio of only 59%. The marginal drop in overall CD ratio is attributed to the higher growth in Deposits (4%) compared to that under Advances (2%). 4. Performance to fulfil the National Goals - 4-: Ratio of Priority Sector advances to total advances was 26.42% and Agricultural Advances to total advances was around 6.69%. Agriculture Term Loans constituted 3.07% of the total agriculture advances during the year 4-, which is lower than the level of 8.6% achieved during 3-4. One of the reasons for the sluggish offtake of Agriculture loans is the high interest rate on term loans in comparison to crop loan. Loans to weaker sections during 4- was ` lakh and Advances under DRI loans during the year was `.4.8 lakh. 5. Annual Credit Plans - Performance: During the year 4-, overall achievement of Annual Credit Plan target was 2%, with a whopping 44% in agriculture sector (63% in crop loan and 27% in term loans for agriculture). The highest share of priority sector advances was accounted for by Agricultural sector at 63%, followed by the tertiary sector at 25.76%. Though the credit flow for Secondary sector recorded an impressive annual growth of 45%, comprising.07% of the total priority sector credit, the achievement (64%) fell short of the annual credit plan during 4-. Tertiary sector (other priority sector) recorded an achievement of 70 per cent of ACP targets while registering a negative annual growth of 8%. The achievement of Annual Credit Plan targets was above 0% during the years 2-3 and 3-4 at % and 4% respectively. 6. Recovery Position: The overall recovery percentage in the district is 67% as on The recovery position of Commercial banks has been stagnant at around 65% during the last three years and that of Cooperatives have been ranging between 70 80% during the same period. 7. Status of SAMIS: The Service Area Monitoring and Information System (SAMIS) has helped the Bankers, in planning, reporting and monitoring the flow of ground level disbursement of credit. Bank branches prepare their plans annually in LBR, which has fully stabilized. The submission level of LBR 2 and LBR U2 was 80% as on March. The submission level of LBR 3 however, is still irregular. Lead Bank, in association with NABARD and RBI, is closely monitoring the submission of various returns and the same is being reviewed in fora like BLBC/ DCC etc. 8. Financial Literacy Centres: The district has the distinction of having FLCs in all the blocks. One District level and block level financial literacy centres have been established in the district by various banks to provide free financial education to general public.

15 Chapter Policy Initiatives The Government of India, Reserve Bank of India, State Governments and NABARD have been taking a number of policy measures for the development of agriculture and rural sectors and accelerating credit flow. The important measures/initiatives/ innovations are given below. I. Policy Initiatives of GOI Ministry of Agriculture renamed as Ministry of Agriculture and Farmers Welfare Digitization of land resource inventorization for micro-level agricultural land use planning. Project for hill agriculture under National Mission on Sustaining Himalayan Ecosystem (to applicable states) Countrywide digital agricultural research database - Knowledge based Resource Information Systems Hub for Innovations (KRISHI) in agriculture. Soil Health Cards (SHCs) to all 4 crore holdings in the country. Groups of farmers to be motivated to take up organic farming under Paramparagat Krishi Vikas Yojna (PKVY). In three years,000 clusters to be formed covering 5.0 lakh acre area under organic farming. Launching of Swachh Bharat Mission National Rural Drinking Water Programme (NRDWP) for the benefit of all segments of rural population. Attracting and Retaining Youth in Agriculture (ARYA) towards agriculture and agriculture related income generating enterprises to check rural migration. Student READY (Rural Entrepreneurship and Awareness Development Yojana) to promote professional skills, entrepreneurship, knowledge and marketing through hands-on experience. Special scheme in North-Eastern Region for promotion of organic farming and export of organic produce.(to applicable states) Pradhan Mantri Krishi Sinchai Yojana (PMKSY)-To ensure access to some means of protective Irrigation to all agricultural farms to increase production and productivity and enhance farm Income (more crop per drop). Promotion of National Market through Agri Tech Infrastructure Fund (ATIF) to provide e-marketing platform at the national level in 642 regulated markets across the country. Price Stabilisation Fund to support market interventions for price control of perishable agri-horticultural commodities. Make in India Facilitate investment, foster innovation, protect intellectual property, and build best-in-class manufacturing infrastructure. Announced an increase of 50% in the relief on input subsidy given to farmers and the threshold for eligibility has been reduced to 33% for farmers affected by hailstorms and unseasonal rains and other natural calamities. Micro Units Development and Refinance Agency Ltd (MUDRA) launched to extend finance and credit support to Microfinance Institutions (MFI) and agencies that lend money to small businesses, retailers, self-help groups and individuals. The schemes of Mega Food Parks, Cold Chain and Modernization of Abattoirs further upscaled during the 2 th Plan. 2 new Mega Food Park projects, 75 Cold Chain projects and 50 Abattoir projects has been approved for implementation during the 2 th Plan. Parity in Development to Eastern and North Eastern regions was also advocated. Improve employability of rural youth under the Deen Dayal Upadhyay Gramin Kaushal Yojana. Promotion of Solar Energy

16 Pradhan Mantri Suraksha Bima Yojna, Atal Pension Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana launched Pradhan Mantri Jan Dhan Yojana (PMJDY). NABARD s efforts in this field include facilitation of financial literacy and supporting technological upgradation of cooperative banks and RRBs. II. Policy Initiatives of Reserve Bank of India In terms of the Revised Priority Sector Guidelines: Categories of the priority sector: Medium Enterprises, Social Infrastructure and Renewable Energy will form part of priority sector, in addition to the existing categories. Small and Marginal Farmers: A target of 8 percent of ANBC or Credit Equivalent Amount of Off-Balance Sheet Exposure, whichever is higher, has been prescribed for Small and Marginal Farmers within agriculture, to be achieved in a phased manner i.e., 7 percent by March 6 and 8 percent by March 7. Micro Enterprises: A target of 7.5 percent of ANBC or Credit Equivalent Amount of Off-Balance Sheet Exposure, whichever is higher, has been prescribed for Micro Enterprises, to be achieved in a phased manner i.e. 7 percent by March 6 and 7.5 percent by March 7. Bank loans to food and agro processing units will form part of Agriculture. The loan limits for housing loans and MFI loans qualifying under priority sector have been revised. Banks to ensure that their overall agriculture direct lending to non-corporate farmers does not fall below the system-wide average of the last three years achievements. Banks to continue to maintain all efforts to reach the level of 3.5% direct agriculture lending to the beneficiaries who earlier constituted the direct agriculture sector. Guidelines for relief measures by banks in areas affected by Natural Calamities have been revised. III. Policy Initiatives of NABARD Medium Term Refinance Product- The medium term refinance product will include all the investment credit activities eligible for getting long term refinance from NABARD. Long Term Rural Credit Fund: An amount of `.000 crore has been allocated under Long Term Rural Credit Fund(LTRCF). NBFC-Relaxation- Refinance to NBFCs and NBFC-MFIs registered and operating in the states in the Eastern region, North-Eastern region including Hilly states, Lakshadweep and Chhattisgarh with rating norms relaxed. `.25,000 crore has been allocated under Rural Infrastructure Development Fund (RIDF) for -6. Following new activities have been included for financing under RIDF:- a) Solid Waste Management and Infrastructure works related with sanitation in Rural areas b) Infrastructure works related with alternate sources of energy viz. Solar, wind, etc. andenergy conservation c) Hydel projects upto 25MW ( from existing mw) d) 5/ mw Solar Photovoltaic Power Plant Assistance to RRBs and Cooperative Banks for training the BCs/CSPs/BCAs/BFs engaged by them is available for capacity building in the areas of banking/financial products and services A Special Fund with a corpus of ` 00 crore was created in NABARD 4- for making available affordable credit to agro-processing units in the Designated Food Parks (DFPs) and individual processing units set up in the DFPs. Funding under NABARD Infrastructure Development Assistance (NIDA) to State Government and State owned institutions for development of infrastructure in rural areas. 2

17 Guidelines for relief measures by banks in areas affected by Natural Calamities have been revised. NABARD has been accredited as National Implementing Entity of Green Climate Fund The Green Climate Fund has been designated as an operating entity of the financial mechanism of The United Nations Framework Convention on Climate Change (UNFCCC) to promote a paradigm shift towards low emission and climate resilient development pathways. Constituted National Advisory Committee on Produce Fund along with other officials from MoF, MoA, GoI, NDDB, SFAC etc., to review the critical issues relating to FPO sector. NABKISAN Finance Ltd., a subsidiary of NABARD to provide financial support to eligible FPOs with refinance assistance and other support facilities from NABARD A scheme has been introduced for promotion of Farmer Producer Organisations (FPOs) for implementation by partnering with technically competent agencies. NABARD has started a Pilot programme for Digitization of SHGs IV. Policy initiatives of State Government The Government of Kerala has created a database of 7.4 lakh farmers in the State to help in routing facilities to them. Creation of the Price Stabilization Fund of `.300 crore for rubber procurement to help farmers realize better income and give a fillip to ground level lending by banks Incentives by the State Govt. for production of coconut neera through Neera Farmer Producer societies to help the coconut farmers in the State. NABCONS, the consultancy wing of NABARD, has been designated to prepare a comprehensive development programme covering both infrastructure and livelihood in Attapady tribal area and Aralam Resettlement area to be implemented by GoK. GoK. with assistance of NABARD to undertake soil and watershed conservation activities in the State for a total amount of ` crore. An amount of Rs.0 crore set apart by GoK for undertaking protective measures with NABARD assistance to mitigate hardships of people living on the fringes of forest areas who are prone to attack of wild animals and suffer extensive damages to their crops and livestock. 3

18 Sl. No. Chapter - 2 Government Sponsored Programmes Name of the scheme Nodal Agency Objective Agriclinic and Agribusiness Centres Scheme 2 Capital Investment Subsidy Scheme for commercial production units of organic inputs under National Project on Organic Farming 3. Agricultural Marketing Infrastructure Dept. of Agriculture & Cooperation, Ministry of Agriculture, GoI National Centre of Organic Farming Directorate of Marketing & Inspection, Marketing Division of Department of Agriculture & Co operation. Supplement efforts of public extension 2. Support Agricultural development 3. Create gainful self-employment for unemployed agriculture graduates/diploma holders /intermediate in agriculture, graduates in biological science with PG in agri-related courses. To promote organic farming in the country by making available the organic inputs and thereby better return for the produce. 2. To increase the agricultural productivity while maintaining soil health and environmental safety. 3. To reduce the total dependence on chemical fertilizers and pesticides by increasing the availability and improving the quality of bio fertilizers, bio pesticides in the country. 4. To convert the organic waste into plant nutrient resources. 5. To prevent pollution and environment degradation by proper conversion and utilization of organic waste.. To develop agricultural marketing infrastructure to effectively manage marketable surplus of agriculture including horticulture and of allied sectors including dairy, fisheries, livestock and minor forest produce. 2. To promote innovative and latest technologies in agricultural marketing infrastructure. 3. To promote competitive alternative agricultural marketing infrastructure by encouraging private and cooperative sector investments 4. To promote direct marketing so as to increase market efficiency through reduction in the number of intermediaries and handling channels thus increasing the farmer s income. 5. To promote scientific storage capacity for storing farm produce, processed farm produce, agricultural inputs etc. to reduce post harvest and handling losses. 6. To provide infrastructure facilities for grading, standardisation and quality certification of agricultural produce with the objective of a) ensuring a price to the farmer commensurate with the quality of the produce b) promoting pledge financing Subsidy quantum(range) in relation to total project cost 44% of project cost - for women, SC/ST beneficiaries, all categories of beneficiaries from NE & Hill states 36% of the project cost for Others For bio pesticides & bio fertilizers 25% of the project cost with an upper ceiling of Rs lakh. For fruit & vegetable waste compost production units 33% of the project cost with an upper ceiling of ` lakh. For creation of storage infrastructure 33.33% of the project cost for SC /ST beneficiaries or their cooperatives, SHGs, registered FPOs, women, panchayats, Lakshadweep, hill areas, with capacity wise ceiling 25% - of the project cost for all other categories with capacity wise ceiling For infrastructure projects other than storage Lakshadweep & hilly areas, Women, Registered FPOs,ST/SC beneficiaries & their Corporations 33.33% ( maximum subsidy ceiling Rs lakh) 4

19 Sl. No. Name of the scheme Nodal Agency Objective and marketing credit, negotiable warehousing receipts system and promotion of forward and future markets to increase the income of the farmers 7. To promote Integrated Value Chain ( confined to primary processing stage only)to provide vertical integration of farmers with primary processors 8. To create general awareness and to provide training to farmers, entrepreneurs, market functionaries and other stake holders on various aspects of agricultural marketing including grading, standardisation and quality certification. Subsidy quantum(range) in relation to total project cost For all other category beneficiaries - 25% (maximum subsidy ceiling of Rs lakh) 4 Scheme of Ministry of New and Renewable Energy, GoI for installation of 000 solar photovoltaic water pumping systems for irrigation purpose, implemented through National Bank for Agriculture (NABARD) 6 National Rural Livelihood Mission (NRLM) - Aajeevika Ministry of New and Renewable Energy(MNRE) The Ministry of Rural Development, Government of India. To meet the irrigation requirements of land holdings for small and marginal farmers. 2. To reduce the dependence on diesel pump sets (operational cost increasing day by day)in electricity deficient parts of the country for the purpose of irrigation To ensure that SHG s are enabled to access repeat finance from Banks, till they attain sustainable livelihoods and decent living standards. This was missing in SGSY, where the emphasis was on one time support. 40% of the cost or approved indicative unit cost ( whichever is less), the benchmark cost being `.90/-per Wp for solar pumping system with DC/BLDC motor pump set and Rs.6.5/-per Wp for solar pumping system with AC motor pump set. Revolving Fund (RF): A Revolving Fund (RF) support to SHGs in existence for a minimum period of 3/6 months and follow the norms of good SHGs, i.e they follow Panchasutra will be provided with RF, as corpus, with a minimum of `.,000 and up to a maximum of `.,000 per SHG, to strengthen their institutional and financial management capacity. Interest Subvention: The Honourable Finance Minister in his budget speech for 3-4 proposed to provide interestsubvention to Women SHGs who avail loans upto `.3 lakhs at 7% per annum. The Women SHGswill get an additional subvention of 3% if they repay in time, reducing the effective rate ofinterest to 4%.

20 Sl. No. Name of the scheme Nodal Agency Objective Subsidy quantum(range) in relation to total project cost The initiative, in its first phase will focus on 0 most backward districts, includingthe IAP districts. All the Women SHGs promoted by NRLM or other Central or State Governmentline departments or NGOs or by NABARD under WSHG program, which are linked with thebanks, will be eligible to avail the benefits of the scheme. Dairy Entrepreneurship Development Scheme: Sl. No. i ii Iii iv Component Unit Cost Pattern Of Assistance Establishment of small dairy units with crossbred cows/ indigenous descript milch cows like Sahiwal, Red Sindhi, Gir, Rathietc / graded buffaloes upto animals.(for SHGs, Coops., POs, unit size/member) ` 6.00 lakh for animal unit minimum unit size is 2 animals with an upper limit of animals. 25% of the outlay (33.33 % for SC / ST farmers,) as back ended capital subsidy, restricted on pro-rata basis to a maximum of animals, subject to a ceiling of `,000/- per animal (`,000.- for SC/ST farmers). Rearing of heifer calves cross bred, indigenous ` 5.30 lakh for calf unit 25% of the outlay (33.33 % for SC / ST farmers,) as back ended capital subsidy, descript milch breeds of cattle and of gradedbuffaloes with an upper limit of restricted on pro-rata basis to a maximum of calf unit, subject to a ceiling of ` upto calves calves 6,600/- per calf (` 8,800.- for SC/ST farmers). Vermicompost (To be considered with milch animals and not separately) Purchase of milking Machines/ milk testers/bulk milk cooling units (up to5,000 lit capacity) v Purchase of dairyprocessing equipment for manufacture of indigenous milk products vi Establishment of dairy product transportation facilities and cold chain vii Cold storage facilities for milk and milk products ` 22,000/- ` lakh ` 3. lakh ` lakh ` 33 lakh viii Establishment of private veterinary clinics ` 2.60 lakh for mobile clinic and `2.00 lakh for stationary clinic ix Dairy marketing outlet / Dairy parlour ` lakh 25% of the outlay (33.33 % for SC / ST farmers) as back ended capital subsidy subject to a ceiling of ` 5,500/- (` 7,300/- for SC/ST farmers,). 25% of the outlay (33.33 % for SC / ST farmers) as back ended capital subsidy subject to a ceiling of ` 5.00 lakh (` 6.67 lakh for SC/ST farmers). 25% of the outlay (33.33 % for SC / ST farmers) as back ended capital subsidy subject to a ceiling of ` 3.30 lakh (` 4.40 lakh for SC/ST farmers). 25% of the outlay (33.33 % for SC / ST farmers) as back ended capital subsidy subject to a ceiling of ` lakh (` lakh for SC/ST farmers). 25% of the outlay (33.33 % for SC / ST farmers) as back ended capital subsidy subject to a ceiling of ` 8.25 lakh (`.00 lakh for SC/ST farmers). 25% of the outlay (33.33 % for SC / ST farmers) as back ended capital subsidy subject to a ceiling of ` 65,000/- and ` 50,000/- (` 86,600/- and ` 66,600/- for SC/ST farmers) respectively for mobile and stationary clinics. 25% of the outlay (33.33 % for SC / ST farmers) as back ended capital subsidy subject to a ceiling of ` 25,000/- (` 33,300/- for SC/ST farmers). 6

21 Funding Pattern: Entrepreneur contribution (Margin): % of the outlay (Minimum) for loans beyond `. lakh (subject to any revision in RBI guidelines) Back-ended Subsidy: as indicated in table above Effective Bank Loan (excl. subsidy): Balance portion, Minimum of 40% of the outlay National Livestock Mission: Livestock Development Sub Mission [Entrepreneurship Development and Employment Generation] This Sub-Mission comprises the following schemes: [i] Poultry Venture Capital Fund (Subsidy) Scheme Sl. No. i ii iii Component Unit Cost Pattern Of Assistance Breeding Farms for Low Input Technology Birds like turkey, ducks, emu etc. Central Grower Units (CGU) upto 6000 layer chicks per batch ` lakh- Varies depending on the species and unit size. ` lakh for a unit of 6000 layer chicks per batch (3 batches a year) Varies with size. Hybrid Layer (chicken) Units upto,000 layers ` 8.00 lakh for 00 layer unit. Varies with the size. iv Hybrid Broiler (chicken) Units upto,000 birds. Can be weekly, fortnightly, monthly, all-in all-out batches. Bird strength at any point of time should not exceed,000 birds v vi Rearing other species of Poultry (Other than commercial layer and broiler chicken) Feed Mixing units (FMU) -.0 ton/hour; Disease Investigation Lab (DIL) ` 2.24 lakh for a batch of,000 broilers - Varies with unit size `.00 lakh. Varies with the species and unit size ` 6.00 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 7.50 lakh (`.00 lakh for SC/ST farmers, BPL families). 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` lakh for a batch of 6000 birds (` 3.33 lakh for SC/ST farmers, BPL families). 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 2.00 lakh for 00 birds (` 2.66 lakh- for SC/ST farmers, BPL families). 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 56,000/- for a unit of 00 birds (` 74,600/- for SC/ST farmers, BPL families). 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 5.00 lakh (` 6.66 lakh for SC/ST farmers, BPL families). 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 4.00 lakh ( ` 5.33 lakh for SC/ST farmers, BPL families). vii Transport Vehicles open cage ` 8.00 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 2.00 lakh ` 2.66 lakh for SC/ST farmers, BPL families). viii Transport Vehicles Refrigerated `.00 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 3.75 lakh (` 5.00 lakh for SC/ST farmers, BPL families) 7

22 ix Retail outlets Dressing units `.00 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 2.50 lakh (` 3.33 lakh for SC/ST farmers, BPL families). xi Mobile marketing units `.00 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 2.50 lakh (` 3.33 lakh for SC/ST farmers, BPL families). xi Cold storage for poultry products `.00 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 5.00 lakh (` 6.66 lakh for SC/ST farmers, BPL families). xiii Egg / Broiler Carts `,000/- 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 3750/-(` 5000/- for SC/ST farmers, BPL families). xiv Large Processing Units birds per hour ` 500 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` lakh ` lakh for SC/ST farmers, BPL families). xv Emu Processing units `. 00 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` lakh ` lakh for SC/ST farmers, BPL families). xvi Feather Processing Units incl. litter management `. 500 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` lakh ` lakh for SC/ST farmers, BPL families). xvii Technology Upgradation / innovations including waste disposal / incinerators, mini hatchers, egg vending machines, etc. [ii]integrated Development of Small Ruminants and Rabbits Sl. Component Unit Cost Pattern Of Assistance No. i Rearing of sheep and goats ( + ) `. 50,000/- 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 2,500/- (` 6,666/- for SC/ST farmers and BPL families). ii Sheep and Goat breeding units (0+5) `. lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 2.50 lakh (` 3.33 lakh for SC/ST farmers and BPL families). iii Commercial Rabbit units (incl. broiler) ` lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 75,000/- (` lakh for SC/ST farmers and BPL families). Iv Rabbit breeding farms Varies with unit size `. 500 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` lakh ` lakh for SC/ST farmers, BPL families). 8

23 [iii] Pig Development Sl. Component Unit Cost Pattern Of Assistance No.. Pig breeding farms F+ 4M (Unit Cost ` 8.00 lakh) 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 2 lakh (` 2.66 lakh for SC/ST farmers and BPL families). 2. Commercial rearing units 3F+M (Unit Cost ` lakh) 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 25,000/- (` 33,330/- for SC/ST farmers and BPL families). 3. Retail outlets with chilling facility Unit Cost Rs 2.00 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 3 lakh (` 4 lakh for SC/ST farmers and BPL families). Funding Pattern [for i to iii above]: Entrepreneur contribution (Margin): % (Minimum) Back-ended Subsidy: as indicated in table above Effective Bank Loan (excl. subsidy): Balance portion [iv] Salvaging of Male Buffalo Calves Sl. Component Unit Cost Pattern Of Assistance No.. Mini Units: Rearing of male buffalo calves upto 25 calves `. 25,000/- per calf 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 6,250/- per calf (` 8,333/- for SC/ST farmers and BPL families). 2. Commercial units: more than 25 to 0 calves in one location `. 24,000/- per calf 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 6,000/- per calf (` 8,000/- for SC/ST farmers and BPL families). 3. Industrial rearing units: more than 0 to 00 calves in one location `. 2,500/- per calf 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 3,25/- per calf (` 4,66/- for SC/ST farmers and BPL families). Funding Pattern: Effective Bank Loan (excl. subsidy and Margin): Minimum 50% Back-ended Subsidy: as indicated in table above Entrepreneur contribution (Margin): Balance portion 9

24 CHAPTER 3 - CREDIT POTENTIAL FOR AGRICULTURE 6-7 NABARD in the year 2-3 had prepared Base PLP for five years coterminous with the XII Five year plan-(2-7). The Base PLP projected a five year credit potential under priority sector covering Primary, Secondary and Tertiary sectors, with emphasis on the Primary sector. These projections were based on parameters such as availability of infrastructure, availability of exploitable resources, cropping pattern, technical feasibility, agriculture practices and other developmental indices such as access to markets, etc. Some of these parameters may have undergone a change in the district since the finalization of Base PLP on account of factors such as changes in government s priorities and policies, strengthening of rural infrastructure, market forces, cost escalation, etc., necessitating a relook at the credit potential for the year 6-7. Further, according to the revised PSL guidelines, Agriculture Sector is broadly divided into three sub sectors viz, (i) Farm credit (ii) Agriculture infrastructure and (iii) Ancillary activities. The basket of activities covered under each of the above three sub sectors under Agriculture Sector has also undergone revision and the classification of these activities in PLP document needs to be aligned according to the revised classification. Factoring in the changes in the Government policies and priorities and based on the revised PSL guidelines, the credit potential for 6-7 has been reassessed and presented in the following chapters. 3. FARM CREDIT 3.. CROP PRODUCTION, MAINTENANCE AND MARKETING 3... Introduction Agriculture plays a major role in the district s economy. Paddy, Banana, Tapioca and vegetables are the major food crops in the District. The major cash crops in the district are plantation crops predominated by coconut followed by rubber, pepper and cashew. The details of area, production and productivity of major crops cultivated in the district during 3-4 are given in the following table. Table Area, Production and productivity of major crops in the district Crop Area (Ha) Production (Tonnes) Productivity (Kg/Ha) Area (Ha) Production (Tonnes) Productivity (Kg/Ha) Paddy Coconut 552 (million nuts) 7860 (Nos/Ha) (m.nuts) 7726 nuts Pepper Banana Arecanut Rubber Tapioca (Source: Farm guide 4, ) Crop loan accounted for 54.9 per cent of the priority sector lending and around 87 per cent of the agriculture lending in the district during 4-. The scales of finance for short term crop loans are fixed by the District Level Technical Committee every year before the crop season. The Scale of Finance for the year -6 is given in Annexure V. (Around lakh KCCs were issued in the district as on 3.03.)

25 Assessment of potential for the year 6-7 The Interest Subvention scheme with incentives for prompt repayment implemented by Government of India and additional incentives for repayment offered by State Government through Cooperative Banks and Kudumbashree have generated great demand for Crop Loans among farmers. Further, promotion of group farming through credit linked JLGs has also resulted in an increase in the disbursement of crop loans in the district. A shift in favour of Banana, fruits and Vegetables is evident in the district. The credit potential for 6-7, is projected at ` lakh, as given below. The block-wise and activity wise estimates are given in Appendix C, Annexure I. Table Credit potential for Crop production, maintenance and marketing -6-7 (` Lakh) Unit As per Base PLP As per Revised PLP Activity (no/ area) Phy. Fin. Bank Loan Phy. Fin. Bank Loan Paddy Ha Coconut Ha Rubber Ha Banana (red) Ha Banana (nendran) Ha Banana (others) Ha Vegetables Ha Pepper/spices Ha Tapioca Ha Pineapple Ha Cashew Ha Turmeric Ha Ginger Ha Tea Ha Medicinal plants Ha Pulses Ha Tuber crops Ha Vanilla Ha Green fodder Ha Flowers 00No TOTAL CROP LOANS (A) Add:% for Post Harvest/consumption (B) Add:% for Repair & maintenance of Farm assets (C) TOTAL (D= A+B+C) Other Short term Loans(E) GRAND TOTAL (D+E) The achievement reported by Banks as at the end of 3 March (crop husbandry total) at ` crore, is higher than the projected potential of ` crore for 6-7. The higher achievement reported by banks is on account of reporting multiple drawals under KCC accounts as separate disbursements which gets reflected in the GLC to the sector, whereas the PLP potential under crop loans is arrived at based on the projected acreage under each crop and the scale of finance. Factors like ensuring end use of the gold loans and crop loans by the farmers, total possible area of cultivation, the trend in cultivation etc. are also taken into account while assessing revised potential. 2

26 Importance and need for encouraging Pulses production in Kerala Pulses are legumes that fix atmospheric nitrogen thereby enriching soil by adding organic matter through leaf mould. Pulses are rich in proteins and the main source of protein in Indian diet They play an important role in crop rotation, mixed and intercropping, as they help maintaining the soil fertility. Requires less or no manuring and can be grown in rainfed conditions. They are helpful for checking the soil erosion as they have more leafy growth and close spacing. They supply additional fodder for cattle and can be turned into soil as green manure crops. The paddy fields offer ideal condition for pulses cultivation and can be taken up by farmers as a remunerative summer crop in view of high market price Infrastructure and linkage support taken up, planned and gaps: Infrastructure and Support Services available The agriculture department supports the agriculture sector in the district. The department is headed by the Principal Agricultural Officer of the rank of Joint Director and supported, at the block level by 2 Assistant Directors and at the Panchayat level by 89 Agricultural Officers attached to Krishi Bhavans. The district has one Agriculture College at Vellayani and one KVK at Vellanad. Details of infrastructure available in Thiruvananthapuram for supporting agriculture operations are provided in the table Table Details of Infrastructure available for supporting agriculture operations Infrastructure/ support Soil Testing/ Fertilizer quality control and pesticide testing Supply of seeds/ nurseries/ planting material Seeds (Paddy, Oil, fodder, pulses and vegetable) Micro propagation and crop improvement Institution Central Soil Testing Lab at Parottukonam with facilities such as pesticide/ fertilizer/ soil testing and Agmark grading laboratory. The District Agricultural Farm and Banana nursery at Peringammala, supply banana suckers, seedlings of arecanut, nutmeg and cocoa, rooted pepper cuttings, grafts/layers of mango, cashew, guava, cinnamon, minor fruit plants, tuber crops, jack fruit, ornamental plants and vegetable seeds. State Seed Farms at Ulloor and Chirayinkeezhu. Coconut Nursery at Valiyathura and Kazhakuttom Network of 4 service cooperative banks. Biotechnology and model floriculture centre at Kazhakuttom is having a wellequipped laboratory with a production capacity of lakh plantlets every year. The National Seeds Corporation (NSC) s Area Office at Karamana and Cropping Systems Research Centres, at Balaramapuram and Karamana Biotechnology and model floriculture centre at Kazhakuttom undertakes micro propagation work of banana, orchids, anthuriums, pepper and vanilla and crop improvement work in orchids, anthuriums and hibiscus. Coconut Cropping Systems Research Centres at Balaramapuram and Karamana Seed Testing Seed Testing Lab at Parottukonam Pesticides, Fertilizers and Agricultural inputs Network of 4 service cooperative banks. Cropping Systems Research Centres at Balaramapuram and Karamana. Central Tuber Crops Research Institute, Sreekaryam. Research Tropical Botanical Garden and Research Institute & National Research Centre for Oil Palm, Palode RARS, Vellayani and Coconut Research Station, Balaramapuram undertake research on homestead farming and agronomic aspects of coconut respectively. 22

27 Farmer education/ Regional Agricultural Technology Training Centre (RATTC), Kazhakuttom training in modern The KVK attached to Mitraniketan agriculture practices. Technology transfer NABARD sponsored Farmers Clubs disseminate good agricultural and banking practices. Grading Agmark Grading Lab, Venpalavattom EEC assisted agricultural wholesale markets at Anayara and Nedumangad. Marketing 23 Farmer Markets (Swasraya Karshaka Vipanies) and 8 collection centres (branches) supported by Vegetable and Fruits Promotion Council of Kerala (VFPCK) to improve the bargaining power of member farmers, thereby realizing better prices for their produce. One fruit and vegetable value addition unit set up by VFPCK at Kalliyoor to supply safe to eat vegetables and fruits to consumers in the urban areas. Irrigation 80 RIDF minor irrigation projects An office of the Agricultural Insurance Company of India guides banks, agricultural department/ agencies and farmers. Guidance on crop The National Agricultural Insurance Scheme (NAIS), introduced in , insurance covers paddy, ginger, turmeric, pineapple, tapioca and banana. The State Crop Insurance Scheme covers 25 crops. Small Farmers Agribusiness Consortium (SFAC) facilitates production, processing and marketing of agricultural commodities by fostering group activities on a Processing/ marketing sustainable basis. Central Arecanut and a Cocoa Marketing Producers' Co-operative Society at Nedumangad. Support to Vegetable and fruit cultivation The Vegetable and Fruits Promotion Council of Kerala (VFPCK) is improving the livelihood security of fruit and vegetable farmers through SHGs under participatory approach, by adopting a comprehensive approach. VFPCK integrates essential supports including the supply of necessary inputs, farm extension, skill development, credit and market support Assessment of infrastructure gap Facilities for storing (godowns and cold storages), processing, transporting and marketing infrastructure are inadequate in comparison to production capacity and diversity of products, particularly for crops with short shelf life like vegetables, fruits, mushrooms, etc. Though there is potential for processing and value addition for major crops like Tapioca and Banana and minor crops like Mango, Pineapple, Papaya, Jackfruit, Cashew, Pepper, Ginger, Turmeric etc., infrastructure and enterprise in this regard are rudimentary Critical intervention required for creating definitive impact on agriculture: Development of value chains to support production and marketing of agriculture produce in the district will boost the sector. Coordinated efforts of VFPCK, Kudumbashree and Horticorp in vegetable production, procurement and marketing is required to make horticulture a commercially viable activity. The district is blessed with two EEC assisted markets at Anayara and Nedumangad, which are at present underutilized. Hence intervention is required to link production centres with these markets. Whole sale markets with modern infrastructure for post-harvest storage, handling and marketing of horticulture produce may be developed in the district in PPP mode. 23

28 Suggested Action Points Banks As per the instructions of Govt. of India, all eligible farmers are to be covered by agriculture credit. Therefore, banks may bring more farmers into the institutional fold, assess their credit requirements scientifically and ensure end use of crop loans more particularly Agricultural Gold loans. Achieve 0% coverage of farmers in the district under Kisan Credit Card Scheme. Ensure Insurance under KCC/NCIP (National Crop Insurance Programme) for notified crops. Finance tenant farmers, oral lessees, sharecroppers and joint liability groups. Encourage Flexi credit/ Homestead farming schemes Government Departments Encourage use of quality seeds, fertilizers and pesticides and mechanization through effective extension. Create favorable policy environment for leasing lands to SHGs/JLGs and promote group farming/cultivation in fallow land. Entrust PRIs with local level plans for diversification/ introduction of high value crops, linking subsidy programmes to bank credit. Prevent conversion of paddy fields Promote commercial production of organic inputs and encourage organic farming. Certification of organic farm produce Improve and diversify crop specific storage, marketing and processing infrastructure. 24

29 3..2 WATER RESOURCES Introduction Thiruvananthapuram district has one major irrigation project (Neyyar), one medium irrigation project (ongoing Vamanapuram) and a number of minor irrigation projects. The district receives a normal rainfall of 803 mm. The net sown area is ha and net irrigated area is 733 ha the percentage of net irrigated area to net sown area works out to 5.47%, much below the state average of 9.33%. Minor irrigation structures suitable for the various areas in the district are : Bore wells Tube wells Table Minor irrigation structures suitable for various areas in the district STRUCTURE TYPE / AREA Highly sheared, fractured and jointed rocky areas of the district Coastal sedimentary (Varkala, Edava, Vengannoor, Kottukal, Veli, Kazhakuttom, Chowara, etc) Filter point wells (shallow Coastal sandy areas where phreatic aquifers are available within a depth of about tube wells) m. (Valiathura, Kazhakuttom, Poovar, Karichal, Puthukurichy and Kaniapurarm) Ground Water Potential and Stage of Development as on (in MCM) As per the Ground water Estimation Report of 08-09, Nedumangad, Trivandrum Rural, Nemom, Athiyannoor and Parassala block are classified as Semi Critical blocks and the rest are categorized as 'Safe' blocks. The overall stage of Development of ground water resources in the district is 56.2 %. The data on ground water utilisation in the district indicates that the share of irrigation in total ground water usage is only 23% as against the overall stage of development of 56.2%. During the year 4-, the ground level credit flow for Water resources declined by 43.4% to the level of ` lakh as compared to the achievement of ` lakh during 3-4 and accounted for just 50.57% of the DCP target. The ground level credit flow during the last three years is given in Annexure III Assessment of credit potential for the year 6-7 Considering the fact that the irrigated area out of the net cropped area is only 5.47%, the irrigation potential in the district needs to be developed with greater emphasis on water saving techniques like drip and sprinkler systems, promoting lift irrigation and facilitating Rainwater Harvesting. The exploitable potential under minor irrigation has been estimated as ` lakh for 6-7. The block-wise, activity wise physical and financial projections are given in Appendix C to Annexure I. Table Credit potential for Water resources during 6-7 (` Lakh) Activity Unit (No/area) As per Base PLP As per Revised PLP (` lakh) Phy. Fin. BL Phy. Fin. BL Dugwell No Fil.Pt/Well No Pumpset No Drip Coconut Ha Drip Banana Ha Sprinkler Ha Pumphouse No Storage Tank No

30 Activity Unit (No/area) As per Base PLP As per Revised PLP (` lakh) Phy. Fin. BL Phy. Fin. BL Pipeline Ha Lift Irrigation Ha Renovation Of Well No Bore Well + Pump Set No Rain Water Harvesting No Availability and gaps in Infrastructure and support services Infrastructure and Support Services available, taken up and planned Ground Water resources are monitored by the district unit of the Ground Water Department. The department is headed by Executive Engineer and assisted by senior Hydrogeologists. The department has created a water level network for the district. The Central Ground Water Board also has its office in Thiruvananthapuram. There is one Full Climatic Station (FCS) at Perumkadavila under the Hydrology Project. Irrigation Department implements various projects pertaining to major, medium and minor irrigation. The Minor Irrigation division of the irrigation department is involved in the formulation and implementation of various surface water based minor irrigation projects. The Department has three subdivisions viz; Thiruvananthapuram, Neyyattinkara and Attingal Assessment of infrastructure gap Shortage of Drilling Rigs exists in the district. Delay in energisation of pumpsets renders investments infructuous Critical interventions required Banks may make efforts to popularise drip and sprinkler systems, through credit in association with Krishi Bhavans. Banks may circulate Model Schemes and Unit costs approved by NABARD to their branches to facilitate credit flow to the sector. Department of Agriculture may popularize micro irrigation practices and dovetail subsidy linked micro irrigation (Drip and Sprinkler) schemes with bank credit. State Government may plan for water harvesting structures like farm ponds, check dams, watershed activities and popularize water conservation measures like drip/ sprinkler irrigation through line Departments, Panchayats, NGOs, etc. The minor irrigation department may implement small lift irrigation schemes in critical/ semi critical blocks. 26

31 3..3 FARM MECHANISATION Introduction Farm Mechanization is the process of transforming agriculture from a labour intensive activity to a mechanized procedure, which greatly enhances farm productivity. Farm mechanization enables efficient utilization of inputs, seeds, fertilizers and irrigation water. Tractors, power tillers, sprayers, winnowers, combined harvesters, etc. are the most commonly used agricultural machines / implements in farming operations. The average land holding size in the district is about 0.2 ha, majority of farmers are either small or marginal. The investment avenues for such farmers to mechanize their farm operations is severely restricted and they are reluctant to avail bank credit for purchase of small farm implements/ equipment. The undulating topography of the district is a deterrent for using heavy machines like tractors and power tillers. The preference of farmers to move away from field crops to perennial crops, especially from paddy to rubber and coconut, results in low demand for tractors and power tillers. The major portion of bank credit under the sector goes for purchase of equipment/ implements other than tractors and power tillers. NABARD, from the year onwards provides refinance assistance for purchase of second hand tractors, repair of tractors and replacement of spare parts to promote investments under farm mechanization Assessment of Potential for the years 6-7 It is observed that though there is limited demand for tractors and power tillers, there is a spurt in the demand for other small agricultural equipment and implements and the trend in ground level credit flow to the sector is positive. Based on these trends, the credit potential for farm mechanization for 6-7 has been estimated at ` lakh as against the base PLP projection of ` lakh. The block-wise and activity-wise estimates are given in Appendix C, Annexure I. Table Credit potential for Farm Mechanization during 6-7 (` Lakh) Activity Unit As per Base PLP As per revised PLP (` lakh) Phy. Fin. BL Phy. Fin. BL Tractor No Power Tiller No Sprayers/ Dusters No Other Equipment No Total Infrastructure and linkage support available, planned and gaps The Agriculture Department has officers at block level (Assistant Directors) and Panchayat level (Agricultural Officers attached to Krishi Bhavans) to extend necessary support and guidance to farmers on farm mechanization activities. Kerala Agro Industries Corporation is the main agency dealing in power tillers, tractor and other implements. The other agencies, which cater to the farm mechanization needs of farmers in the district are Kerala Agri. Machinery Corporation (KAMCO), which produces power tillers and RAIDCO, which supplies tractors, power tillers, paddy threshers etc. The Department of Agriculture has a Regional Agriculture Technology Training Centre (RATTC) at Kazhakuttom and Agricultural Engineering Wing at Perunthanny for attending to aspects like popularization of the equipment/ implements, arranging supply, servicing, etc. 27

32 Assessment of infrastructure gap The topography of the district and size of land holding is not encouraging for extensive use of tractors, power tillers, etc. There is a need to design, develop and adopt farm tools, implements and machines suitable for rainfed and irrigated farming, hilly and plain regions and for use in small land holdings using mechanical and electrical power Critical intervention required for creating definitive impact Agriculture Department may encourage farmers/inventors to design, develop and customize farm tools, implements and machines for small land holdings. Research institutions / Agriculture department may collaborate to design, develop and adopt farm tools, implements and machines for rainfed and irrigated farming, hilly and plain regions and small land holdings, designs suitable for animate, mechanical and electrical power sources, which help to increase crop production, land and labour productivity and also reduce drudgery. 28

33 3..4 PLANTATION AND HORTICULTURE Introduction Plantation and horticulture is a predominant economic activity in Thiruvananthapuram district. The topography, the intensity of rainfall, the soil type and its fertility facilitates cultivation of a variety of plantation and horticulture crops like coconut, rubber, cashew, pepper and tea in the district. There is scope for credit deployment to modernize cropping and agronomic practices among small and marginal farmers. Adoption of better varieties by procuring quality planting material and replantation of senile plantations have good potential to absorb credit. The major plantation and horticulture crops of the district are Coconut, Rubber, Pepper, Tapioca & Banana. The area of cultivation, production and productivity of major crops of the district is given in Chapter 3.. The status of coconut, the major plantation crop in the district, is indicated below. Coconut : Coconut cultivation in the district was showing a slow decline in area during the past few years. It has gradually come down to ha in 3-4 from ha in Production and productivity has also been declining during the period from to 3-4. During 3-4 the production of coconuts in the district was 55 million nuts with the productivity of 7726 nuts/ ha. The district has 255 Coconut Producer s Societies, 2 Coconut Producers Federation and one Coconut producer Company, viz. Ananthapuri Coconut Producers Company. There is need to encourage farmers to undertake replantation of coconut in order to attain higher levels of production and productivity. The efforts of Coconut Development Board to introduce new value added products like Neera, Virgin Coconut oil, coconut chips etc. are likely to make coconut farming a more profitable venture for the farmers Assessment of credit potential for the year 6-7 Plantation and Horticulture activities play a dominant part in the economy of the district. On the basis of infrastructure developments and other aspects, the credit potential for Plantation and Horticulture sector during 6-7 is projected at ` lakh. The block-wise and activitywise projections are given in Appendix C to Annexure I. Table Credit potential for Plantation and Horticulture (` Lakh) Unit As per Base PLP As per revised PLP (` lakh) Activity (no/ area) Phy Fin BL Phy. Fin. BL Cashew Ha Coconut-Replant Ha Rubber- Plantn Dvpt. Ha Rubber-Nursery Ha Rubber- Rollers 4.5 x Rubber Sheet Driers RRSD Smoke Houses 0 kg Pepper-New Plant Ha Pepper Rejuvenation Ha Arecanut Ha Betelvine 5 cents Tea - Replant Ha Mango Ha Medicinal Plants Ha Nursery - Misc 0.40 Ha Mixed Cropping Ha Orchid/ Anthurium

34 Unit As per Base PLP As per revised PLP (` lakh) Activity (no/ area) Phy Fin BL Phy. Fin. BL No.s Jasmine/ Flowers 5 cents Sericulture Ha Mushroom kg/batch Vanilla Ha Apiculture 25 boxes Rambuttan 0.40 Ha Naturally Ventilated Polyhouse cents Rain Shelter House 0 sq.m Total Infrastructure and linkage support available, planned and gaps State Horticulture Mission (SHM) supports holistic development of identified crops like Mango, Pineapple, Banana, vegetables, medicinal plants etc. National Horticulture Board (NHB) with its Regional office functioning in the district implements various subsidy schemes with Central Government assistance. The district has one Agriculture College at Vellayani and one KVK at Vellanad. In addition to the institutional infrastructure indicated in Table 3...3, the following arrangements are also in place in Thiruvananthapuram district for supporting horticulture development. (i) Three Farmer Producer Organisations (FPOs) are being promoted and supported by NABARD in the district for development of specific crops/activities with financial assistance from PRODUCE fund, details of which are given below. FPO for value addition of jackfruit, vegetables and tapioca at Kottukal (covering seven panchayats) being set up by Santhigram. FPO for honey production and processing being set up by Kerala Gandhi Smarak Nidhi FPO for rubber production and processing by Ananthapuri Rubbers Ltd. (ii) Sanghamaithri Farmer Producer Company Ltd. Kerala (SFPCK) (commenced operations in 03 as Sanghamaithri Karshikolpanna Sambarana Vipanana Sangam) was set up in the district during the year for procuring all farm produce of vegetable farmers by offering better price avoiding the middle men and selling them directly to consumers. The company has a membership of more than 5000 farmers. Besides giving technical advice to farmers, the company also supplies all the basic needs of the farmer like improved seeds, fertilizer, organic manures and necessary tilling machines at affordable rates. The agency has also set up a training and capacity building centre with financial support from NABARD under Producers Organisation Development Fund (PODF). (iii) Leading voluntary organisations and local self-government institutions (LSGIs), in association with the State Horticulture Mission, have formed a Jackfruit Promotion Council (JPC) for the promotion of jackfruit in the context of food security and production of value-added products for wider consumption. 30

35 Assessment of infrastructure gap Absence of nursery for good quality planting material Availability of quality tested organic inputs and certification. Godowns, storage facilities and agri-marketing are not adequately developed as compared to level of production. Only a few commodities are traded through Anayara and Nedumangadu markets. No organized marketing facilities are available for cut flowers, orchid and anthurium. Shortage of high yielding planting material, agri. clinics, agro processing centres and agri. kiosks Critical intervention required for creating definitive impact The bio technology labs in the district may be expanded to increase the production of quality planting materials. Supply of reliable and affordable planting material is critical for sustaining agriculture in the district. With increased awareness and enthusiasm generated in the farmers to adopt organic methods of cultivation, establishment of quality testing labs for organic certification is critical to sustain the movement of organic cultivation. Construction of new godowns, storage facilities and agri-markets for horticulture and floriculture produces. 3

36 3..5 FORESTRY AND WASTE LAND DEVELOPMENT Introduction Thiruvananthapuram district has a total geographical area of 2,8,78 ha of which, the area under forests is 49,86 ha (22.70 per cent, less than the state average of per cent). Further, 56 hectares are under social forestry and 48 ha are of cultivable wasteland. Majority of the forest area is reserve forests. Neyyar wild life sanctuary (28 sq.km) is located in the district. The major forest produces are timber, firewood, honey, reeds, bamboo and sandalwood. The approach and strategies for achieving the set target include preservation of natural forest including biodiversity hot spots, extension of participatory approach in forest management, encouraging homestead and agro forestry practices, development of non-wood forest produces, etc Assessment of credit potential for the year 6-7 Based on the infrastructure changes and other aspects, the credit potential for 6-7 has been slightly enhanced to ` lakh, as compared to the Base PLP projections. The block-wise projections of the revised projections are indicated in Appendix C to Annexure I. Table Credit potential for Forestry and Waste Land Development (` Lakh) Activity Unit (no/ area) As per Base PLP As per revised PLP (` lakh) Phy. Fin. BL Phy. Fin. BL Waste Land Dvpt. No Farm Forestry No Total For WLD Infrastructure and linkage support available, planned and gaps Infrastructure available The District Forest Office headed by Divisional Forest Officer looks after reserve forests. Social forestry division of Forest Department headed by Chief Conservator of Forests is responsible for implementation of farm forestry /wasteland development including supply of planting materials. The social forestry wing of Forestry Department implements a number of schemes for promoting afforestation and cultivation of medicinal and aromatic plants among public. Panchayat implements a Project for protection of the riverbanks by planting bamboo viz Karamana Nadiyora Samrakshanam Assessment of infrastructure gap Dearth of adequate planting materials of the desired species is a major problem Critical intervention required Awareness campaigns about the benefits and profitability of social forestry and supply of adequate planting materials of the suitable species of trees are required to boost the investment in the sector. 32

37 3..6 ANIMAL HUSBANDRY- DAIRY DEVELOPMENT Introduction As per the 9 th quinquennial livestock census 2, Thiruvananthapuram district has a total bovine (cattle) population of,02,224 and buffalo population of Of the total cow population of 98,42, about 97,679 are crossbred and 793 are indigenous. Dairy farming, mostly taken up as backyard allied activity is the most important animal husbandry activity in the district. The number of households and household enterprises owning cattle and buffaloes in the district as per the Census is and 2269 respectively. The milk production, procurement and sales in the district have been increasing steadily over the years as can be seen from the under-noted table:. Table Details of milk procurement and sales by Kerala Co-operative Milk Marketing Federation (KCMMF) in the district Year Production (lakh litres) NA No. of functioning Dairy cooperative Societies (DCS) Quantity of milk procured under KCMMF (lakh litres) Annual Sales (lakh litre) Assessment of credit potential for the year 6-7 The ground level credit flow under dairy during the year 4- was ` lakh as against the DCP target of ` lakh. Taking into account the infrastructure available and planned, the priorities, plans, government schemes and programmes as well as the area development schemes to promote the sector, the exploitable credit potential under Dairy Development, for 6-7, has been projected at ` lakh, the block wise and activity-wise projections of which are furnished in Appendix C to Annexure I. Table Credit potential for Dairy Development during 6-7 (`. Lakh) Unit As per Base PLP As per revised PLP (` lakh) Activity (no/ area) Phy. Fin. BL Phy. Fin. BL C.B.Cow cow unit with shed No Gr. Murrah Buffalo ( animal with shed) No Female cross-bred Calf Rearing ( calf) No Feedmix Unit (8 T/Shift) No Fodder Development Ha Milk Prod/ Mfg (50 Lpd) No Dairy Unit- 2 Buffalo+ 3cow No Male Buffalo Calf Rearing( Calf) No Total DD Sector Infrastructure and linkage support available, planned and gaps Infrastructure and Support Services available The Department of Dairy Development, Department of Animal Husbandry, Kerala Cooperative Milk Marketing Federation (KCMMF MILMA) and the Kerala Livestock Development Board (KLDB) are the major State Government Agencies involved in the promotion of dairy sector in the district. The District Animal Husbandry Officer, in the rank of a Joint Director, and 33

38 supporting staff are engaged in promoting animal husbandry activities including dairy in the district. The Department of Dairy Development, equipped with extension service units, implements a host of promotional programmes for the development of dairy sector in the district. The major activities to augment milk production include Rural Dairy Extension and Advisory Services, Organisation of Dairy Cooperatives, Strengthening of Dairy Cooperatives, Fodder Development Programmes, Milkshed Development Programme, Cattle feed subsidy scheme, Assistance to dairy cooperative societies and Strengthening of Quality control units. The Department of Animal Husbandry looks after the health care aspects of animal population. The district has one district veterinary centre, 23 veterinary hospitals, 7 veterinary dispensaries, 25 artificial insemination centres, 2 polyclinics and one mobile dispensary, as given in the undernoted table. Poly Clinics Table Infrastructure facilities available with Animal Husbandry Department Hospitals Dispensary AI Centers ICDP Subcentre Mobile dispensary Frozen semen centers/ai facilities * * including dispensaries, hospitals, etc. Under the Intensive Cattle Development Programme being implemented by the Animal Husbandry Department, four livestock (cattle) farms have been established for rearing high yielding varieties of cows and buffaloes, viz., Jersey Farm at Vithura, Trivandrum, District Livestock Farm at Kudappanankkunnu, Trivandrum, Jersey farm Extension Unit at Chettachal and Buffalo Breeding Farm at Kuriottumala. These farms function as demonstration cum training centres for providing technical know-how and information to the public on improvement of milk production, cattle management, feeding practices etc. Kerala Co-operative Milk Marketing Federation Ltd. (MILMA) is the main agency procuring milk through its affiliated societies. The district has 336 APCOS dairies and 8 traditional dairies. There was a gap of 46. lakh litres between the demand and supply position of milk in the district in 3, which can support higher investments particularly for dairy units with ten or more cows/ buffaloes. Availability of feed and fodder is of prime importance in reducing the cost of production and optimizing economic returns from the dairy activity. Special focus is being given to fodder and feed production in the State to overcome the situation through various measures by KLDB and Dairy Development Department. The cattle feed subsidy scheme is being implemented by providing subsidy as milk production `./- per litre of milk supplied by the dairy farmer at the DCS. The State has three cattle feed plants functioning at Pattanakkad and Malampuzha with a combined production capacity of 600 MT per day and Kerala Feeds Limited at Kallettumkara with a capacity of 650 MT per day. The production from these plants is insufficient to meet the demand of cattle feed in the state. The new projects of Kerala Cattle Feeds Ltd. is nearing completion and is expected to reduce the gap in demand and supply to certain extent. A fodder farm is functioning at Valiathura under the Dairy Development Department which utilizes the city sewage for irrigating fodder fields and sells green fodder to dairy farmers in the district. The Sewage Farm at Valiathura is being modernized to State Fodder Farm including a training centre for fodder production. Centrally Sponsored Schemes: (a) Under Rashtriya Krishi Vikas Yojana (RKVY), the scheme for providing assistance for 2 cow mini dairy units to one lakh youth beneficiaries of the State is being implemented. 34

39 (b) The Haridhara Project envisages providing assistance to member Dairy farmers of Killi SC ST Service Cooperative Bank to take up dairy farming as the main livelihood and increase milk production. (c) The CSS for quality control activities for milk and milk products under the RKVY project provides assistance to ensure hygienic requirements at farm level to comply with FSSAI requirements by creating awareness among dairy farmers, preventing losses due to spoilage of milk etc. (d) GoI has introduced a capital subsidy scheme for promotion of dairy development viz., Dairy Entrepreneurship Development Scheme (DEDS) under which credit linked 25% is available for mini-dairy (2- animal units), heifer rearing, milk processing, milk transportation, bulk coolers, private veterinary clinics etc. The scheme is in operation subject to budgetary restrictions. Under the Automation cum DBT (direct benefit transfer) programme of the Dairy Development Department, all the dairy extension service units have been elevated to farmer information centres equipped with library facility, desktop systems and telephone cum internet facilities. The Department in association with C-DAC has completed the automation software of the Department. As part of the programme, around 0 touch-screen KIOSK with fingertip information have already been installed in DCS throughout Kerala, The Department is also planning to set up a computer centre at DTC, Trivandrum making use of the central fund for the purpose of imparting training to Department Level Officers and Dairy cooperative personnel of the state Assessment of infrastructure gap Shortage of green fodder, Shortage of good quality milch animals, Lack of adequate capacity for chilling and processing milk and shortage of facilities to convert milk to milk products with greater shelf life are major gaps affecting the growth of the sector Critical intervention required for creating a definitive impact in the sector: Supply of good quality milch animals to farmers and interventions to address the shortage of green fodder, reduce the cost of cattle feed and other inputs will give a major boost to the growth of dairy sector as an alternate income source to farmers. Dairy development Department shall take steps to transfer technology related to value addition of milk and preservation of milk and milk products to increase the shelf life of dairy products Suggested Action Points (a) Banks i. Banks may extend financial assistance to dairy sector utilizing the credit linked capital subsidy scheme of GOI viz., DEDS. ii. Banks may extend support for setting up of private veterinary clinics by veterinary graduates under the credit linked subsidy scheme for setting up Agriclinics and agribusiness centres (ACABC) iii. Banks may implement the Area Development Scheme/banking plans for promotion of dairy units with linkage support from DDD, DAH, PRIs, MILMA etc. (b) State Government i. A cattle feed plant may be set up in the district in the Government /cooperative sector. ii. Calf rearing may be promoted as a commercial venture by providing adequate incentives. iii. Cultivation of high yielding fodder varieties and large scale intercropping of fodder in coconut holdings may be taken up with the support of PRIs. iv. SHGs/NHGs/JLGs may be encouraged to take up fodder cultivation on leased lands. v. Efforts may be made to set up fodder banks at block level and supply through milk routes. vi. Dairy farming may be included as an eligible activity under NREGP to promote the activity among rural farmer. 35

40 3..7 ANIMAL HUSBANDRY - POULTRY DEVELOPMENT Introduction Poultry rearing is an allied activity providing supplementary income as well as nutrition to families in the form of eggs and meat. Thiruvananthapuram district has got high demand for eggs and poultry meat. Backyard poultry is taken up in rural areas particularly among Kudumbashree NHGs and other SHGs. The types of birds reared are fowls, Ducks, Turkey, Quails, etc., and their distribution in the district has increased by 37% during the period from 07 to 2, as revealed by the livestock census of 07 and 2 (Table 3..7.) Distribution of poultry in the district Census Other poultry Fowls Ducks Turkey Quails birds 8th Livestock Census th Livestock Census (Source: livestock census 07& 2) Total Assessment of credit potential for the year 6-7 Taking into account the existing infrastructure and plans for the future, perceptions of the developmental departments and other agencies, the potential for the year 6-7 has been projected at ` lakh, the block wise and activity wise projections of which are given in Appendix C to Annexure I. Table Credit potential for Poultry Development (` Lakh) As per Base PLP As per Revised PLP Activity Unit Phy Fin BL Phy Fin BL Broiler 250 birds Layer (Cage system) 0 birds Egger Nursery 250 birds Hatchery 0 bird `.25 lakh /unit 00 birds Egg Cart `.2.50 lakh per unit No Feed Plant@ `.2.50 lakh per unit of 8T/shift 8T/shift Poultry Processing 500 bird `.6 No lakh per unit Duck Rearing 500F+75M Quail Rearing - Layer 00 nos Quail Rearing - Broiler 250 /week Backyard Poultry 50 chicks Mother Unit For Backyard Poultry 00 chicks TOTAL PF SECTOR

41 Infrastructure and linkage support available, planned and gaps Availability of Infrastructure and Support Services Animal Husbandry Department looks after poultry development activities. The Kerala State Poultry Development Corporation (KSPDC) promotes backyard poultry, arranges supply of quality chicks, feed, technical guidance etc. The Broiler breeding farm and hatchery of KSPDC at Kudappanakunnu ( KEPCO.VENCOBB and quail chicks also available) and the Regional Poultry Farm (RPF) at Kudappanakunnu supply day old chicks. 8 Egger Nurseries source day old chicks and pullets from RPF and distribute to farmers through veterinary institutions. The district also has Live Stock Training Centre, Kudappanakunnu, Meat processing plant at Pettah, two feed compounding units owned by AH Department and KSPDC, two layer hatcheries and one private broiler hatchery Assessment of infrastructure gap High input costs, shortage of day old chicks and ducklings, virtual control of markets by private hatchery owners from outside the state and flooding the market with eggs at cheaper rates inhibits investment in the district for layer units. High cost of feed and labour, uncertainties in levels of production and absence of organized marketing support, prevent investments in broiler poultry farms despite the potential. Poultry units under cage conditions encounter high cost of feed and poor management Critical Intervention required for creating definitive impact in the sector: Augmentation and modernization of infrastructure and establishment of hi-techlaboratories in the area of disease diagnostics & forecasting, feed/food microbiology, feed and poultry processing and quality as per International standards will help the poultry industry. An efficient marketing network for small and medium poultry farmers as well as quality assurance of poultry products along the value-chain with adequate refrigerated transport/cold storage facilities at terminal markets should be established. 37

42 3..8 ANIMAL HUSBANDRY SHEEP, GOAT AND PIGGERY DEVELOPMENT Introduction Rearing of Goats is gaining currency in the district as these are less labour intensive and requires very less space compared to dairy and poultry activities. However, rearing of pigs is not popular due to adverse public reaction to pig units in the neighborhoods. In general, the activity under this sector is limited to small units. As per the 9 th quinquennial animal census 2, the distribution of the animals is indicated below Distribution of Sheep, Goat and Piggery in the district Goats Pigs Sheep (Source: livestock census 2) 2. Assessment of Potential for the year 6-7 Taking into account the infrastructure changes and other aspects, the credit potential for 6-7 has been projected at ` lakh. Block wise and activity wise projections are given in Annexure I. Table Credit potential for Goat, Piggery and Rabbit (` Lakh) As per Base PLP As per Revised PLP Unit (no/ Activity area) Phy Fin BL Phy Fin BL Goat Rearing 3 Does Goat Rearing 3 D + B Commercial Goat Rearing 0D + 4B Pig Fattener piglets Pig Breeding 3S + B Rabbit Rearing D + 3 B TOTAL S-G-P SECTOR Infrastructure and linkage support available, planned and gaps: (i) Infrastructure Services available The Animal Husbandry Department along with the Kerala Livestock Development Board (KLD Board) provides assistance and guidance to farmers on various activities under the sector. Goats: Malabari goats are very popular in the district. They are reared in 3 farms viz. District Livestock Farm Kudappanakunnu, Goat Breeding Farm Parassala and Goat rearing unit at Jersey Farm Vithura, to encourage small breeding units in the selected areas. The KLD Board also conducts experiments for introduction of frozen semen technology for breed improvement in goats. The Department distributes Malabari goats to farmers for breeding and rearing. Pigs: There are 2 pig breeding farms viz., the District Livestock Farm at Kudappanakunnu and the Pig Breeding unit, Parassala, to impart scientific training on pig rearing to farmers. Yorkshire breed pigs are supplied to farmers from these farms. The Department distributes piglets to farmers for breeding. 38

43 (ii) Assessment of infrastructure gap The main infrastructure gaps identified under the sector include (i) Shortage of pasture land (ii) Inadequate infrastructure facilities at Goat and Pig breeding farms to produce and supply good quality does and piglets (iii) Lack of assured market for pig and rabbit meat and (iv) Health coverage for goats not included in any insurance programme. 4. Critical intervention required for creating a definitive impact in the sector State Government may create infrastructure facilities at Goat and Pig breeding farms to produce and supply good quality does and piglets, Meat processing units for producing value added products with pig and rabbit meat may be set up. The activity of goat rearing shall be taken up through Farmers, JLGs, SHGs/ Kudumbashree and tribal groups particularly in hilly tracts with support from local bodies. 39

44 3..9 FISHERIES DEVELOPMENT Introduction Thiruvananthapuram district is endowed with a rich bounty of natural resources favouring development of fisheries sector and special features as given below. Marine Fisheries Inland Fisheries Brackish water Fisheries 78 Km (3.2% of Kerala s coast line Arabian sea) 3,2 ha 424 ha,63,500 fishermen; 96 fishermen per km of coastline Rivers - Neyyar, Vamanapuram and Karamana one lake, 3 reservoirs, 34 tanks and nearly ponds six backwaters and 9 estuaries Fisheries activity in the district is predominantly marine. The district has the maximum share of (2.2%) of the total marine fishermen population in the state. As per the Marine Statistics, there are 42 marine fishermen villages spread over 6 blocks viz. Parassala, Athiyanoor, Thiruvananthapuram rural, Kazhakuttom, Chirayinkeezhu and Varkala. As on 3 March, out of traditional marine fishermen population of,86,58 in the district, only 5263 fishermen are active i.e., (28%). The annual fish production during 09- under marine fisheries was tonnes valued at `.9, lakh. Even though there are 4 inland fishing villages with a population of 77 fishermen, as per Inland Fisheries Statistics, there are no active inland fishermen in the district. The annual fish production during 09- under inland fisheries was 694 tonnes valued at `40.04lakh. Investments like country boats, outboard engines and gears offer good scope for financing. Similarly, with GoK identifying inland fisheries as one of the potential sector under the decentralized planning programme, the importance of inland fisheries also has increased. Varkala, Anchuthengu, Poonthura, Vizhinjam, Poovar and Sanghumukham are some of the major fishing belts. There are five fish landing centres at Paruthiyoor, Pulluvila, Puthukkurichi, Mampally and Chilakkoor Assessment of Potential for the year 6-7 Taking into account the infrastructure changes and other aspects, the credit potential under fisheries sector for 6-7 has been projected at ` lakh, Block-wise and activity-wise projections of which are given in Annexure I. Table Credit potential for Fisheries Development ( ` Lakh) Unit As per Base PLP As per Revised PLP Activity (no/ area) Phy Fin BL Phy Fin BL Fresh Water Fish Farm ha Country Boat No Nursery Rearing Ponds ha Ornamental Fish Setting up PCR Lab In Hatcheries No Renovation Of Ponds & Tanks ha Backyard Hatchery for SHG Women No Aquarium Fabrication Units No Cage Culture Of Fin Fishes In Ponds ha Total I F Sector Out Board Motor No Fishing Gear No Cattamaran No

45 Unit As per Base PLP As per Revised PLP Activity (no/ area) Phy Fin BL Phy Fin BL Mussel Culture 0.4 ha Marine Plywood Canoe No Refrigerated Sea Water System On Board No Conversion Of Existing Vessel Into Tuna Long Liner No Facilities For Fish Curing, Drying, Packing Etc. No Sea Cage Culture Unit No Solar Fish Drying Unit No Total M F Sector Brack. Wat. Prawn ha Prawn Hatchery 5 million Renovation Of Existing Ice Plant No Refrigerated Truck/Containers No Setting Up Mini Qc Lab No Renovation Of Pre-Processing Centres No Total Prawn Culture TOTAL FISHERIES SECTOR Infrastructure and linkage support available, planned and gaps: Availability and Gaps in Infrastructure and Support Services Fishing Harbour Fish Farms Hatchery Fish markets Table Infrastructure Support available in the district ( ` Lakh) The Vizhinjam Major Fishing Harbour is located in the district. There are two fish farms in the district; one at Neyyar Dam (owned by GoK) with about acres and another one at Karyavattom (owned by the Centre for Aquaculture Research, CARE, University of Kerala).. A multi species shrimp hatchery unit by ADAK with a capacity to supply million seeds is functioning at Odayam, Varkala. 2. Amalgum Hatcheries at Pozhiyoor, Govt. of India. 2 wholesale fish markets and 325 retail fish markets are functioning in the district. The district has various Government agencies involved in development of fisheries sector like Matsyafed, ADAK, FIRMA and Fisherman Welfare Fund Board Assessment of infrastructure gap Insufficient number of hatcheries/ seed farms particularly for fresh water fishes/ prawns and brackish water prawns and seeding material for culture of crabs. Poor storage and deep-freezing facilities at Vizhinjam port and other landing centers and inadequate number of modern fishing vessels. Inability of fish landing centres and processing units to conform to HACCP (Hazard Analysis and Critical Control Point) norms of importing countries hampers the export prospects of fish and fish products. Existing ponds need restoration to be used for inland fisheries Critical intervention required for creating a definitive impact in the sector Setting up of sufficient number of hatcheries/ seed farms particularly for fresh water fishes/ prawns and brackish water prawns and seeding material for culture of crabs will address a critical constraint in development of inland fisheries. 4

46 3... OTHERS BULLOCK, BULLOCK CARTS ETC Introduction Thiruvananthapuram district has a sizable population depending on Agriculture as their primary occupation. Majority of the farmers in the district are small or marginal with land holdings that make farm mechanization difficult. Some of these farmers continue to depend on work animals/ bullocks for farming operations. Further, bullock carts are used in rural areas in the district to transport certain commodities over short distances Assessment of Potential for the year 6-7 Considering the present status of availability of infrastructure and the land holding pattern, the credit potential for the year 6-7 has been projected at `.7. lakh, as detailed below: Table 3..- Credit potential for Other activities (` Lakh) Activity As per Base PLP As per Revised PLP Unit Phy Fin BL Phy Fin BL Work Animal No Bullock And Cart No Total Infrastructure and linkage support available, planned and gaps: The demand for bullock as plough animals are limited to paddy fields and for transportation of agricultural produce, sand, brick, etc. in rural areas where other modes of transport are scarce. The bullock carts are sporadically used and slowly their demand is getting phased out. Financing of these animals is done mostly under SGSY. 42

47 3.2 AGRICULTURE INFRASTRUCTURE This chapter discusses about the infrastructure required in the agricultural sector like storage and market yards including cold storages and cold chains, land development, soil conservation and watershed development. Tissue culture, agri-biotechnology, seed production, biopesticides/fertilizers, vermicomposting etc. are also included in this chapter. The above activities with an aggregate sanctioned limit of `.0 crore per borrower from the banking system are covered under agriculture infrastructure CONSTRUCTION OF STORAGE FACILITIES (WAREHOUSES, MARKET YARDS, GODOWNS, SILOS, COLD STORAGE UNITS/CHAINS ETC.) Introduction Storage Godowns and Market yards are essential infrastructure to prevent post-harvest losses, preserve agriculture produce under clean and hygienic conditions and realise the potential of value addition in agro processing. It also makes agriculture a profitable profession by eliminating the need for distress sales, enabling farmers to store their produce for getting better price in the local markets and venture into forward and future trading. Coconut, paddy, vegetable and fruits are the major crops in the district. High demand for meat, milk and fish in the district has nurtured dairy, poultry, goat, piggery and fishery activities. Demand for cold storage facilities for dairy societies/ fishermen societies and godowns to individual farmers/ NGOs/SHGs is very high with immense potential for private investments with bank credit. Being the state capital with national and an international airport, a fast developing harbour project and the proximity to other districts in Kerala and Tamil Nadu having a rich agricultural base are factors favouring higher investments in storage facilities and godowns of various types Assessment of credit potential for the year 6-7 Taking into consideration the infrastructure changes and credit flow in 4-, the credit potential for the year 6-7 has been projected at ` lakh, as detailed below: Table Credit potential for Storage Godown and Market Yard (` Lakh) Activity Unit (no/ As per Base Plan As per Revised PLP (` lakh) area) Phy Fin BL Phy Fin BL Cold Storage No Storage/ Market Yard No Rural Godown No TOTAL SGMY Infrastructure and linkage support available, planned and gaps Infrastructure available Godowns Markets Market Yards Cold Storage FCI Kazhakkuttam (Regional Office &Godown) and 7 other godowns Two EEC assisted wholesale markets at Anayara and Nedumangadu 7 market yards constructed under RIDF. Thiruvananthapuram Air Cargo terminal used by exporters of vegetables/ fruits to Gulf countries. 43

48 Assessment of infrastructure gap - The godown facilities need immense expansion considering the high productivity and diversity of agricultural products in the district, particularly since it comes under the AEZ scheme of GoI and VFPCK is actively monitoring vegetable cultivation. - Inadequate organized marketing structures for cut fruits, vegetables, mushroom, flowers - orchid and anthurium. - Inadequate milk chilling and processing plants - Storage and deep-freezing facilities for fish meat products and facilities available at Vizhinjam port and other landing centres are inadequate Critical intervention required for creating definitive impact in the sector: Even though the State has a well established market for agri produce, the infrastructure for agricultural produce collection, transportation and marketing is not well developed in the State. There is a need to develop farmer led institutions to handle market related aspects of agriculture production to maximize farm gate prices. State Government may evolve a clear policy supporting Farmer Producer Companies to bridge the gap. High price of land is another deterrent for creation of storage facilities. 44

49 3.2.2 LAND DEVELOPMENT Introduction Land development encompasses activities of soil and water conservation, water management and agronomy and other watershed development activities. Land development increases agricultural production and productivity and brings uncultivable area under cultivation for sustainable development. The undulating topography of the district coupled with heavy rainfall renders the soil susceptible to erosion. Further, area under cultivation of various crops is on the decline owing to land getting converted for commercial and residential purposes. The major land development activities being taken up in the district are rubble pitched puertorican type contour bunds, earthen contour bunds, bench terracing, retaining wall, contour trenches, etc. Land leveling and soil improvement is mainly undertaken in coconut gardens for improving productivity. Activities like stabilization of landslide prone areas, protection of catchment reservoirs, reclamation of water logged areas and prevention of river/ stream bank erosion, etc., are also being taken up Assessment of credit potential for the year 6-7 Based on consultation with line departments, bankers, infrastructure created and other factors contributing positively to investments under land development, the exploitable potential has been estimated at ` lakh for 6-7. There is greater emphasis on soil improvement measures and watershed management. The block-wise, activity wise physical and financial projections are given in Annexure. Activity Table Credit potential for Land Development (` Lakh) Unit As per Base PLP As per revised PLP (` lakhs) Phy. Fin. B.L. Phy. Fin. B.L. Land Reclamation ha Bund/Soil Conservation ha Land Level./Soil Improv. ha Watershed Devt. ha Water Management ha Land Dvpt - Misc. ha Infrastructure and linkage support services available, planned and gaps District Soil Conservation Wing of the Agriculture Department in Thiruvananthapuram and Assistant Director of soil conservation office at Aruvikkara Project, functioning in the district, are responsible for carrying out the soil and water conservation projects. Soil Survey wing also has been identified as the supporting agency for implementation watershed projects in the district Assessment of infrastructure gap Non-availability of empirical data at block/panchayat level about the balance potential for soil conservation/land development, inadequate staff in the soil conservation unit, lack of scientific and systematic approach in survey, poor coordination among the offices which implement different watershed projects under NWPRA, WGDP, RIDF, Hariyali, etc., are the major infrastructural gaps identified. 45

50 Critical intervention required for creating definitive impact The detailed Watershed Atlas prepared by the soil survey department may be utilized for prioritizing watersheds while selection/ inclusion of an area under various watershed development projects. A coordinated effort of soil conservation, soil survey departments and State Land Use Board may be ensured in identification and implementation of watershed programmes. Suitable economic activities like cultivation of fruits, vegetable and fodder crops and other allied activities like dairy, apiary, etc., could be promoted. Krishi Bhavans, in association with Dairy and Animal Husbandry Departments, may be promoted in treated watershed areas OTHERS (VERMICOMPOSTING /BIOPESTICIDES/FERTILISERS, TISSUE CULTURE, AGRI BIOTECHNOLOGY, SEED PRODUCTION) Introduction Recognizing the perceived threats of chemical farming for human health, of late, there has been an increased demand for organically grown food in the district. As a sequel to the massive awareness campaigns being carried out by the government departments as well as many voluntary agencies, more number of farmers, particularly vegetable farmers, have resorted to organic farming in the district. Further, due to the non-availability of genuine organic vegetables and fruits in the market, a large number of households in the district have started grow bag cultivation of vegetables and fruit farming with organic inputs. As a result, it is expected that there would be manifold increase in the demand for planting materials (vegetable seeds, seedlings, tissue culture banana, etc.)and organic inputs like vermin compost and bio-fertilizers/bio-pesticides in the district Assessment of credit potential for the year 6-7 Based on consultation with line departments, bankers, infrastructure created and the ground level scenario in the district, the exploitable potential for has been estimated at ` lakh for 6-7. The block-wise, activity wise physical and financial projections are given in Annexure. Table Credit potential for Land Development (` Lakh) Activity Unit As per Base PLP As per revised PLP (` lakhs) Phy. Fin. B.L. Phy. Fin. B.L. Vermi Compost/Biofert. ha Seed Production ha Infrastructure and linkage support services available, planned and gaps Assessment of infrastructure gap Non-availability of empirical data at block/panchayat level about the existing infrastructure available for activities like tissue culture, biofertiliser/biopesticide production, vermicomposting, seed production etc., potential available for setting up these units and the lack of an organized market for these products are the major infrastructural gaps identified. 46

51 Critical intervention required for creating definitive impact A comprehensive policy on organic farming incorporating aspects like quality control of organic manure, certification procedure of organic farms, approved agencies for certification etc. may be brought out by Agriculture Department. A standard package of practices recommendation may be evolved for organic cultivation of various crops for use by farmers, which would help in assessing the requirement of organic inputs and planting materials. Extension efforts to popularize organic farming may be initiated by involving farmers clubs, NGOs, PRIs, etc. 47

52 3.3 ANCILLARY ACTIVITIES 3.3. FOOD AND AGRO PROCESSING Introduction Thiruvananthapuram district is a major producer of coconut, tapioca, vegetables, banana, mango, papaya, tamarind, etc. At present, most of the existing processing units are in the unorganised and traditional sectors with limited processing techniques and value addition. The common food processing industries set up in the unorganized sector are flour mill, curry and rice powder making units, pappadam, coconut oil, banana chips, jackfruit and tapioca based products, pickles/ jam/ candy making units, pineapple processing, bakery units, honey processing, tapioca based products, cattle feed, etc. Shift of preferences of the population to packed products, qualified youth in search of self employment ventures, assistance provided by Central and State Governments, widening prospects of sale for quality products in the domestic and international markets, etc., can revolutionise agro processing in the district with adequate care provided to the aspects of food safety and quality through appropriate support mechanism Assessment of credit potential for the years 6-7 Considering the infrastructure available/ likely to be made available and based on the discussions with line departments and other agencies, the credit potential for 6-7 has been projected as ` lakh, as indicated in the table below and detailed in Annexure I. Table Credit potential for Food and Agro-processing (` Lakh) As per Base PLP As per Revised PLP (` lakh) Activity Unit Phy Fin BL Phy Fin BL Copra Processing No Fish Processing No Food Proc-Beverages No Rice/ Flour Mill No Banana/ Tapiocachips No Small Bakery Units No Papad/ Cury Powder No Agro Processing No Milk Products No Coconut Based Indus. No Honey Processing No A & F - Term Loan Total A & F - Working Capital Total Infrastructure and linkage support available, planned and gap Infrastructure and Support Services available The District Industries Centre (DIC) provides support and assistance to the prospective entrepreneurs. The Agriculture Department has an AGMARK Laboratory in the district. The EEC assisted wholesale markets at Anayara and Nedumangad have facilities for grading and standardization of agricultural commodities. Department of Marketing and Inspection provides assistance for setting up of Market yards and Godowns. Regional Research Laboratory (RRL), Central Tuber Crops Research Institute (CTCRI), Rajiv Gandhi Biotechnology Centre, MILMA, VFPCK, Matsyafed, Kerala Agricultural University 48

53 (Vellayani campus), Rubber Board, Coconut Board, KVK-Mitraniketan, etc. support technology transfer to potential agripreneurs in different disciplines. Kerala Industrial Infrastructure Development Corporation (KINFRA), is giving special thrust to Food Processing sector and acts as the nodal agency to the Ministry of Food Processing Assessment of infrastructure gap Cold storages, storage godowns, market yards for standardization, grading and value addition, provision of Common Facility Centres, transportation facilities, power supply, marketing outlets, etc., are inadequate. Direct access to facilities for post-harvest management, processing, value addition, etc., for the farmers is inadequate Critical intervention required for creating a definitive impact in the sector: i. A value chain for major produce of the district viz. banana, tapioca, pepper, fish etc. shall be established to cater to both domestic and export markets. ii. Special concessions in the form of tax incentives and provision of land and other infrastructure such as power, connectivity etc., at concessional rates. iii. Banks may take proactive steps in extending collateral free loans to food and agro processing sector, leveraging CGTMSE coverage. 49

54 3.3.2 Other Ancillary Activities Introduction Credit components like loans to cooperative societies, PACS, farmers producers organizations etc. for undertaking various activities in the primary sector or for on-lending to members for activities related to agriculture and allied activities have been covered under other ancillary activities. NABARD has been supporting PACS to function as Multi Service cooperative societies by providing loans out of the Producers Organisation Development Fund (PODF) for on-lending to farmer members for activities like dairy, poultry etc., which are emerging sectors in the district. Besides PACS, farmer producer organizations (FPOs) registered as societies or companies are also binge supported from PODF for upscaling its business activities Assessment of credit potential for the years 6-7 Considering the ground level potential and discussions with cooperative banks and farmer producer organizations in the district, a credit potential of ` lakh has been estimated for the year 6-7, as furnished below. Table Credit potential for Other Ancillary Activities (` Lakh) Activity Unit As per Base PLP As per revised PLP (` lakhs) Phy. Fin. B.L. Phy. Fin. B.L. Loans to Cooperatives including PACS No Loans to FPOs No Total Infrastructure and linkage support available, planned and gap NABARD extends credit cum grant support to FPOs/POs in a flexible manner for meeting their investment and working capital requirements. NABARD has entered into MoU with SFAC to promote new and vibrant FPOs, strengthen existing FPOs and leverage the benefits of its equity grant and credit guarantee scheme to extend credit facility to FPOs eligible under the SFAC scheme. Realising the importance of collectivisation and role of FPOs in enhancing the producers income through collective action, Govt. of India in the Union Budget 4- has established Producers Organisation Development and Upliftment Corpus (PRODUCE) Fund of `.0 crore in NABARD to be utilized for the building and promotion of 00 FPOs over a period of two years. This initiative would go a long way in addressing the initial requirements of the emerging FPOs, which would provide new business opportunities for financing institutions. In order to further boost the credit flow to FPOs, the RBI has included lending to FPOs by commercial banks and RRBs as lending under Priority sector. There is immense potential in the district for aggregating the farmers into FPOs thereby providing better opportunities in collective agri-business. In, NABARD has supported formation of four FPOs under PRODUCE Fund for activities like poultry layer farming, production, processing and value addition of fruits and vegetables, honey bee production, and rubber production and processing. In addition to this, financial assistance has been extended from PODF to one PACS (Marayamuttom) for on-lending for dairy and poultry farmers and to one NGO (Sanghamaitri) for setting up training cum skill development centre for vegetable producers. 50

55 CHAPTER 4 CREDIT POTENTIAL FOR MICRO, SMALL AND MEDIUM ENTERPRISES 4. Introduction MSME encompasses all economic activities outside the Primary sector like manufacturing, processing, repairs, construction, trade, transport and other services carried out in rural areas or primarily benefiting rural areas. Development of Micro, small and medium enterprises gives enormous scope for employment generation in rural areas, in addition to its significant contribution to national economy. The sector holds the key for faster economic development of the economy. As per the revised priority sector guidelines issued by RBI, all loans to MSME will be classified as priority sector lending by banks. A separate sublimit of 7.5% of ANBC has been stipulated for lending to microenterprises under priority sector to be achieved in a phased manner, i.e., 7% by March 6 and 7.50% by March 7. All loans to units in the Khadi and Village Industries sector will be eligible for classification under the sub-target of 7%/7.50% prescribed for microenterprises. The limits for investment in plant and machinery/equipment for manufacturing/service enterprise as notified by Ministry of Micro, small and medium enterprises, vide SO 642(E) dated September 9, 06 are as under: Sector Micro enterprises Small enterprises Medium enterprises Manufacturing Sector Investment in plant and machinery Does not exceed twenty five lakh rupees More than twenty five lakh rupees but does not exceed five crore rupees More than five crore rupees but does not exceed ten crore rupees Service Sector Investment in equipment Does not exceed ten lakh rupees: More than ten lakh rupees but does not exceed two crore rupees More than two crore rupees but does not exceed five core rupees The tertiary sector in the district is well developed and absorbs a major portion of credit flow under MSME from banks in the district. Transport operators, retail traders, small businessmen, professionals/ self-employed persons providing goods and services like electrical and electronic equipment, photocopying facilities, Telephone booths, studios, etc; fall under the ambit of MSME. Major activities under MSME sector in Thiruvananthapuram are given below. Table 4.- Major Manufacturing and Service sector enterprises in the district Manufacturing Sector micro, small and medium enterprises Service Sector - micro, small and medium enterprises Handloom and Coir, Handicrafts, Small Scale Industries, Cottage and village industries, Tiny industries, ancillary units, agro industries, construction/building materials, pharmaceuticals etc. General Engineering, Repair and Service centres, Printing, Kisan service Kendras, SRWTO, Trade/small businesses, Information Technology and Tourism 4.2. Assessment of Potential for the year 6-7 Considering the infrastructure available and likely to be made available and based on the discussions with the line departments, the credit potential for the year 6-7 has been projected at ` lakh, comprising of ` lakh under manufacturing sector and ` lakh 5

56 under service sector as detailed below. The block-wise and activity-wise projections are given in Annexure I. Table 4.2 Credit potential for MSME Sector (` Lakh) Unit As per Base PLP As per Revised PLP (` lakh) Activity (no/ area) Phy Fin BL Phy Fin BL Manufacturing Sector Term Loan Handicraft Unit No Village Industries No Rural Artisans No Rubber/ Plastics No Leather Product No Chemical Industry No Electronic Unit No Electrical Unit No Tailoring/ Readymade No Handloom No Cane/ Bamboo Prodn. No Agro Industry No Furniture/Wood No Products Coir/ Loom No Coir Defibring No Constn./ Building Mat. Pottery No. 27 No Pharmaceuticals No Manufacturing sector Term Loan Total Manufacturing sector - Working Capital Coir Handlooms Power Loom Small Ind Others Total W.C. Loans TOTAL Manufacturing Sector Service Sector Term Loan Gen Engg/Machinery No. Parts Information Tech Units No Repair/ Service Unit No Printing And Binding No Dtp Offset Printing No Kisan Service Kendra No SRWTO

57 Activity Unit (no/ area) As per Base PLP As per Revised PLP (` lakh) Phy Fin BL Phy Fin BL Trade/Small Business Professional/Self employed Service Sector Term loan total Service Sector Working Capital Total Service Sector Total MSME Sector WORKING CAPITAL REQUIREMENTS FOR MSME ACTIVITIES Working capital is one of the basic requirements for successful running of any industrial/ business venture. The major industrial units, which have to be provided working capital are coir units, handloom units, small industrial units and other miscellaneous units in the district. On the basis of the past trend in growth, the working capital requirement for the year 6-7 in respect of existing units under sectors like coir, handloom, power loom, small scale industries, service sector etc. and units likely to be set up during the year has been projected at ` lakh, as above. Block wise and activity wise projections are given in Annexure I Make in India Campaign for MSMEs Make in India is a major new national program,, launched in September 25th 4, by the Central Government which is designed to transform India into a global manufacturing hub. The Make in India strategy aims to facilitate investment, foster innovation, enhance skill development, protect intellectual property and build manufacturing infrastructure in the country. The aim of Make in India is transforming India to a manufacturing hub by eliminating the unnecessary laws and regulations and making bureaucratic processes easier, more transparent, responsive & accountable The campaign envisages job creation, boosting of the secondary and tertiary sectors of the national economy, thus converting India to a self-reliant country with global recognition. Major sectors included are Automobile Components, Biotechnology, Chemicals, Construction, Electronic Systems, Industrial manufacturing, Food Processing, Pharmaceuticals Textiles & Garments etc. Start-up India Addressing the nation on the 69th Independence Day, Prime Minister announced a new campaign "Start-up India, Stand up India" to promote bank financing for start-ups and offer incentives to boost entrepreneurship and job creation. The initiative will encourage entrepreneurship among the youth of India. Each of the.25 lakh bank branches should assist at least one Dalit or tribal entrepreneur and at least one woman entrepreneur to promote.25 lakh start-ups. The initiative will give a new dimension to entrepreneurship and help set up a network of start-ups in the country which will in-turn provide employment ranging from one to two to four persons which will transform India s economic life. 53

58 4.3. Infrastructure and linkage support available, planned and gaps The District Industries Centre, the Kerala State Industrial Development Corporation (KSIDC), Kerala Small Industries Development Corporation (SIDCO), Kerala Industrial Technical Consultancy Organisation (KITCO), Kerala Bureau of Industrial Promotion (KBIP), Kerala Industrial Infrastructure Development Corporation (KINFRA) and Kerala State Electronics Development Corporation (KELTRON) are various agencies supporting industrialization in the district. In Thiruvananthapuram, DIC has provided infrastructure facilities by acquiring land and developing it into Development Areas/plots (DA/DP) in Veli, Manvila and Mundakkal. The infrastructure and support services available in the district include:, Excellent connectivity available roads, railway, water (Vizhinjam harbour) and air available. Exceptional medical and educational facilities. Proliferation of restaurants, hotels, motels, homestays etc. Availability of variety of housing options. Airport hangar at Shankhumukham. Kochu Veli satellite terminal. IT Special Economic Zones. Rural Self Employment Training Institute (RSETI) conducts Entrepreneurship Development Programmes (EDP) and trains rural youth to take up self employment in various trades Assessment of infrastructure gap Paucity of industrial plots and prohibitive cost of available plots, Improper maintenance of a large number of existing MSMEs, Absence of adequate marketing arrangements for handloom, handicrafts, terracotta and coir based items. Lack of prioritised power allocation to KVIC/KVIB and other units and sustained availability of power Absence of a coordinating agency mechanism to show-case and sell the diverse products in the national/ international market. Transport facilities to and from interior areas like passenger buses, goods carriers, 3- wheelers and pickup vans, etc. are not adequate. Despite the demand for self-employment avenues in areas of tourism, computers, transport operators, telecommunication services, IT enabled services, etc. the aptitude and enterprising ability to tap opportunities in an organized way is lacking Critical intervention required to creating a definitive impact in the sector: Interventions by the Government for further development of the rural areas of the district will boost investments in the sector. Creation of industrial parks with assured power and other necessary infrastructure like roads, water, tele-communication and single window clearance system for industrial proposals, easy and affordable credit etc will also encourage investment in the sector. 54

59 CHAPTER 5 POTENTIAL FOR EXPORT CREDIT 5.. Introduction Trade operations in Kerala is mainly conducted through Kochi Port. Items of trade include pepper, cashew, coir and coir products, tea, cardamom, ginger, spices and spices oil and marine products. Exports through Kochi port which declined during 2-3, showed an increase of.85 per cent during 3-4 i.e.to Lakh MT in 3-4 from Lakh MT in 2-3. However, export of cashew kernels, coir products and coffee declined during 3-4. Export of spices which had declined during 2-3, showed a 3.2 per cent increase in 3-4. Coir products, the export of which had increased by per cent during 2-3 declined by 2 per cent during 3-4. Kerala exported MT of marine products worth ` Lakh in 3-4 against MT valued at ` Lakh in 2-3. The export of cashew nut shell liquid from India during 3-4 was 9480 MT valued at `.38.6 Crore. As per the new Priority Sector norms of RBI, incremental export credit over the corresponding date of the preceding year, up to 2 percent of ANBC or credit equivalent amount of off-balance sheet exposure, whichever is higher, effective from April,, subject to a sanctioned limit up to `.25 crore per borrower to units having turnover of upto `.0 crore is eligible to be covered under Priority sector. The purpose-wise export credit outstanding during 2-3 and 3-4 and the incremental credit disbursed during 3-4 in Thiruvananthapuram district is indicated in the Table below: Table 5. Details of export credit in Thiruvananthapuram district (`. in lakh) Purpose Outstanding during 2-3 Outstanding during3-4 Incremental export credit disbursal during 3-4 Packing credit Export bills purchased Export bills discounted Export bills advanced against Advanced against export cash incentive and duty drawback claims Total export credit Assessment of Credit Potential for 6-7 Export Finance: Pre-shipment and Post-Shipment Finance The term export finance refers to credit facilities and techniques of payments at the pre-shipment and post-shipment stages. Export finance whether short-term or medium term, is provided exclusively by the Indian and foreign commercial banks which are the members of the Foreign Exchange Dealers Association. The Reserve Bank of India (RBI) provides refinance facilities to the commercial banks. Export-Import Bank of India (commonly known as EXIM Bank) also extends finance to exporters and to overseas projects abroad joint ventures and construction projects abroad. Pre-shipment Finance: Pre-shipment finance refers to the financial assistance in Indian Rupees and Foreign Currency provided to the exporters before actual shipment of goods. Pre-shipment finance is provided to the exporters for the purposes like purchase of raw materials, their processing and converting into finished goods and packaging them. The facility also enables provision of Rupee/FC mobilization expenses for construction/turnkey projects. Exporters can also avail Foreign Currency Pre-shipment Credit facility to import raw materials and other inputs required for export production. 55

60 For these purposes, the following pre-shipment finance is available:. Packaging credit 2. Advance against Incentives 3. Advance against Duty Drawback. Pre-shipment credits are granted by the banks under concessional rates of interest. Post-Shipment Finance: Post-shipment finance may be as any loan or advance granted or any other credit provided by a bank to an exporter of goods from India from the date of extending the credit after shipment of goods to the date of realization of export proceeds. Thus, post-shipment finance serves as bridge loan for the period between shipment of goods and the realization of proceeds. Considering the above developments and based on the discussions with export credit dealing banks in the district, the incremental potential assessed for the year 6-7 is indicated in the following table: Table 5.2 Credit potential for Export Credit for 6-7 (`.lakh) Sr. No 0 02 Activity Pre Shipment Credit a) Packing Credit in rupees b) Packing Credit in Foreign currency c) Advances against incentives receivable from Govt. d) Advances against Duty draw back Post Shipment Credit a) Purchase and discount of export documents b) Payment of documents under Letter of Credit c) Advances against export bills sent for collection d) Export bills rediscounted in Foreign currency Unit 6-7 P.U. Fin BL Total [DS] 5.3 Availability of Infrastructure, critical gaps & interventions required, action points / Issues to be addressed The factors favoring export in Kerala are an all weather sea port at Kochi, 3 international airports, a proposed port at Vizhinjam, good connectivity by rail, road, water etc., proximity to trans national trade corridor, high literacy rate and sense of hygiene and good processing skills of labour. The major organizations available for furthering the cause of export in Kerala are Marine Products Export Dev. Authority [Kochi], Cashew Export Promotion Council [Kollam], Coir Board, Tea Auction facility, SEZ for Export promotion, Industrial Parks set up by Govt., Food Park at Ernakulam & Pathanamthitta, Sea Food Park at Alappuzha, Spices Park at Idukki etc. Some of the important items produced in the district and exported through Kochi seaport and Thiruvananthapuram airport are rubber, marine products, coir products. The flow of exports through major ports and airports in Kerala are as below: Export From: Cochin Port, Kochi Cochin International Airport Limited, (CIAL), Kochi Trivandrum International Airport, Trivandrum Calicut International Airport, Kozhikode Major Destinations USA (30%), Nigeria, Indonesia, Hungary, UAE UAE (22%), Maldives, Qatar, Oman, China, UAE, Maldives, Qatar, China, Qatar (30%), UAE 56

61 Prospects: The new port coming up at Vizhinjam will provide more openings to international trade, cashew exports may shift from Kochi and marine exports will get a boost. The Development of Beypore port will help trade to Gulf and Sri Lanka and export of food items, masalas, footwear, marine etc. will get a boost. Issues: Trade is mostly to gulf countries and cost of cargo remains high. Also, the dependency is high on the NRI community, nonbanking channels and relatives/agents Opportunities: The opportunities lie in contract farming for bio-agri products, floriculture, cut flowers, spices and spices oils and revival of sea food, cashew and coir 57

62 CHAPTER 6 EDUCATION LOAN 6. Introduction Education and development are closely related, as education provides inputs for economic growth among which knowledge is an important one. Modern economic growth, as seen in recent years, is driven by knowledge. Importance of higher education can be understood from its functions like (i) creation and dissemination of knowledge, (ii) supply of manpower, particularly knowledge workers, (iii) attitudinal changes for modernization and social transformation, (iv) formation of strong nationstate, and (v) promotion of higher quality individual and social life (GoI 05). Development of higher education depends on various factors, among which finance plays a major role. Introduction of economic reforms has reduced government spending on higher education and allowed private sector participation. As a result educational loan is becoming an important source of financing higher education. The general education levels of the population are high in Kerala, compared to the all-india levels. Per 00 persons, 545 men and 509 women are educated up-to middle-school, comprising the largest proportion in terms of education levels. The next highest proportion is of secondary and higher secondary school persons with 277 men and 27 women (per 00). 92 men and 97 women were estimated to be graduates and above, only slightly higher than the all-india estimation for men at 90 (per 00). Kerala has a total of 7 universities and 62 colleges, there are 34 colleges catering to per lakh students higher than the national average of 25 per lakh students. Total 4.60 lakh students are estimated to be enrolled in various colleges in the state as per the survey. There is huge migration of students to colleges outside the state for pursing higher education, it is estimated that 3. lakh students migrated to other states during the year.the Gross Enrolment Ratio (GER) in higher education (8-23 years age group) is 22.9, slightly higher than the national average of 2.. The GER for females (26.9) is significantly higher than GER for males (8.9). The total population of students in the state in age group of 8 to 23 years as on 2 was 3.39 lakh. The State Education Policy 2 has laid down the vision for next years as Expansion with Excellence and Equity, the major milestones set are: The State should establish separate State Universities for Medical Education including Nursing and Para Medical, Engineering Education, Dental Science, Law, Teacher Education and Pharmacy and for Traditional Medicine systems. New colleges to be established in five backward districts of the State One Women s University to be established in the State. State University for Distance Education to be established for promoting Distance Education. All Colleges and Universities shall be encouraged to introduce Five year Integrated Programmes with a provision for lateral exit at the end of 3 years and 4 years with a Bachelor s and Bachelor (Hons.) Degree. Universities shall be encouraged to start integrated Master s and Ph.D. Programmes. 58

63 6.2 Assessment of Credit Potential for 6-7 Considering the above developments, the potential assessed for the year 6-7 is indicated in the following table: Sr. No 0 Activity Education loans Table 6. Credit Potential for Education during 6-7 (`.lakh) Unit As per Base PLP 6-7 P.U. Fin BL P.U. Fin BL Availability of Infrastructure, critical gaps & interventions required, action points / Issues to be addressed SLBC, Kerala in consultation with Government of Kerala have issued common guidelines norms applicable to all banks for granting education loans to management quota seats and outside state admissions. High NPA : The Non-performing loans under the sector continues to be high, as on March there were 8556 NPA accounts amounting to Rs 9.2 crore. However, there has been a decline in NPA compared to March 4 position. As per the prevailing norms District Cooperative banks are not covered under IBA interest subsidy scheme, the DCBs have large network in the state and their customer predominately constitute of small and marginal farmers. It is felt that since these are institutions with local feel their inclusion under IBA scheme will lead to more inclusive distribution of subsidised education loan. 59

64 CHAPTER 7 HOUSING 7.. Introduction Housing is an important sector as it has a direct impact on employment generation, GDP growth and consumption pattern in the economy. Housing related activities in the country like construction, renovation, maintenance and those related to trading, financing, mortgage banks, real estate agents, appraisers, movers and notaries, are estimated to account between 5- per cent of GDP. In India, housing finance market is still in its nascent stage compared to other countries. The outstanding amount of housing finance from all sources accounts for less than 8 per cent of GDP when compared with 2 per cent in China, 29 per cent in Malaysia, 46 per cent in Spain and 80 per cent in the US. As per census, the total number of houses in the state is.22 crore of which lakh are in rural areas and lakh are in urban areas. The overall housing availability is better in Kerala compared to all India average. The quality of housing as per the materials used for roof, walls and flooring, Kerala fares better than the national average since 48 per cent of the houses use concrete as the material for roofs versus 29. per cent in India per cent of households in India use mud and 76 % of households lived in permanent houses. The housing shortage in Kerala is estimated at 2.64 lakh houses. The loan limit and total unit cost under housing have been enhanced to Rs & lakh and `..00 & lakh respectively in metropolitan and other centers. The State Housing Policy aims to eradicate landlessness and houseless people during the 2th Year Plan by creating housing stock of 2 lakhs units. The State has planned to undertake the construction of 2 lakh Housing units, of which around sixty percent is meant for the economically weaker sections of the society. Considering an amount of ` lakhs for the construction of a residential unit, it is estimated that a total amount of `. 000 crores is needed as investment in the Housing Sector for EWS and disadvantaged groups. Using the norms of the MoHUPA (Ministry of Housing and Urban Poverty Alleviation) the investment required in urban Kerala is `. 2,600 crore at current prices Assessment of Credit Potential for 6-7 Considering the above developments, the potential assessed for the year 6-7 is `.2.57 lakh, block-wise projections of which is indicated in Appendix C to Annexure I. Sr No Table 7. Credit potential for housing (` in lakh) Base PLP (-6) Revised (-6) Unit Activity Bank Phy Fin Bank Loan Phy Fin Loan Housing Loan Availability of Infrastructure, critical gaps & interventions required, action points / Issues to be addressed Central Government has launched a comprehensive mission Housing for All by 22 Pradhan Mantri Awas Yojana. The mission seeks to address the housing requirement of urban poor including slum dwellers through following programme verticals: Slum rehabilitation of Slum Dwellers with participation of private developers using land as a resource Promotion of Affordable Housing for weaker section through credit linked subsidy 60

65 Affordable Housing in Partnership with Public & Private sectors Subsidy for beneficiary-led individual house construction As part of the three missions, the government will look to create 2 crore houses by 22 by providing a central grant of `. lakh to R.s 2.3 lakh per house by way of a 6.5 percent interest subvention scheme. State government is implementing EMS Housing Scheme that encompasses various other schemes. Some of these are: Bhavanashree which is a loan linked scheme. Under the scheme, families having a two years membership of Neighborhood Groups and having at least.5 cents of land are eligible. A subsidy of `.000 is provided with a loan from commercial banks upto`. 50,000 with a repayment period of ten years. Under the housing scheme of SC Department `. lakh assistance is provided to each BPL SC family. Similarly, under the housing Scheme of ST Department, an assistance of `..25 lakh is provided to eligible ST families. The Department of Fisheries also provides housing assistance to their target group. To supplement IAY grant assistance, state government is providing additional funds for construction of IAY houses over and above the state share of 25% of the grant. Additional resources to enhance the unit cost to Rs 75,000 for general category households, Rs 0,000 for SC households as well physically and mentally handicapped persons and Rs,25,000 for ST households and destitute families Loans for Rural Housing through NABARD Rural Housing is one of the thrust areas for Government of India and NABARD extends direct loan assistance to Cooperative Institutions (DCCBs/ PACS/ Housing Cooperatives) and other eligible institutions for extending housing loans to rural population for construction/ renovation / repair of houses Action Points for Government department, banks and other agencies Provision of Infrastructure and Planned Development: Housing programme is not linked to the provision of infrastructure in the village. The quality of life, therefore, does not improve despite the construction of new houses. There is a need to provide a minimum level of infrastructure such as internal road, drainage, water supply stand post, along with the provision of houses. There is need for micro-planning whereby housing and infrastructure could be combined together as part of a well thought of layout. NGOs have been most reluctant to enter the area of rural housing due to the cost and time factors involved in the construction of houses. However, NGOs can play the role of facilitator for all the services related to rural housing. Emphasis on Environmental Conservation and Disaster Resistance: The use of locally available materials, installation of rainwater harvesting units and eco-friendly measures should be encouraged. Incorporation of disaster resistant designs in house construction should be made compulsory. Title Guarantee: In a majority of the rural abadi areas a clear title of the land pertaining to the existing houses, is not available. In the absence of such clear titles, the PLIs find it difficult to provide housing loans on such property. Therefore, to cover the risk of default / defects in the title, a simple affidavit by the borrower being the legal heir of the house property duly signed by the village Panchayats or Land Revenue Officer, can be treated as a valid document for the purpose of creation of the mortgage. Rural Risk Fund: Presently, the PLIs have high risk perception for lending to the poor. The risk fund will provide credit guarantee cover for loans upto. `. lakh taken by the BPLs. However, for effective operationalisation of such a fund, the Ministry of Rural Development could consider providing an initial corpus of `. 00 crore to NHB to set up such a fund to be exclusively used for providing cover to PLIs for small loans say upto. `. lakh taken by the poor where the primary security i.e., valid collateral e.g., title deed is not available. 6

66 Mortgage Credit Guarantee: This would cover all loans given by PLIs i.e., in urban and rural areas with loans above `. lakh. NHB with the other institutions will bring in the required corpus of initial funds and PLIs will be paying premium for the credit cover which may be shared between PLI and the ultimate borrowers Mortgage credit guarantee for rural micro-habitat finance for loans upto. `. lakh could be borne by the lending institution itself as a one time premium. 62

67 CHAPTER 8 RENEWABLE SOURCE OF ENERGY 8.. Introduction Renewable energy is defined as the energy that comes from resources which are naturally replenished on a human timescale such as sunlight, wind, rain, tides, waves, biomass and geothermal heat. Due to depletion of fossil fuels through prolonged use, the use of renewable energy sources have become important for meeting the energy needs of the future. Renewable energy can replace conventional energy in four areas: electricity generation, air and water heating / cooling, motor fuels and rural (off-grid energy services). The pattern of electricity production by source (% of total) in India (09) is given in the table below: MNRE- Vision To develop new and renewable energy technologies, processes, materials, components, sub-systems, products & services at par with international specifications, standards and performance parameters in order to make the country a net foreign exchange earner in the sector and deploy such indigenously developed and/or manufactured products and services in furtherance of the national goal of energy security. Source Coal Hydroelectric Gas & oil Nuclear Renewable sources excl. hydroelectric India 68.2%.5% 4.% 2.% 4.2% Contribution to GHG Emission: The energy sector emitted 0.06 million tons of CO2 equivalent(eq) due to fossil fuel combustion in electricity generation, transport, commercial/institutional establishments, agriculture/fisheries, and energy intensive industries such as petroleum refining and manufacturing of solid fuels, as indicated in the graph below: Source : Ministry of Environment and Forests Government of India 8.2. Status in Kerala The major renewable energy sources relevant to Kerala are solar energy, wind energy, hydel energy [mini hydel projects from KW to 00 KW and small hydel projects from 0 KW to 25 MW], bio-energy and wave energy. Biogas is one of the most efficient non-conventional energy sources, which can be profitably harnessed to meet the domestic fuel requirement and to supplement rich organic manure for farm operations. 63

68 The installed capacity of various energy sources in Kerala as on March 2 is given in the table below: Table 8. Installed capacity of various energy sources in Kerala Ownership Thermal (Mode wise break up) Nuclear Hydro Other Grand sector coal gas Diesel Total (renewable) RSE* total State 0.0 (0%) 0.0 (0%) (.3%) (.3%) 0.0 (0%) 88.5 (82.6%) (7.%) (0%) Private Central Total * Renewable Source of Energy Majority of Kerala s own installed capacity comes from hydel power (82.6%). However, Kerala continues to lag behind the rest of the southern States in renewable energy generation. The percentage share of renewable energy excluding hydroelectric from the total of central, state and private installed capacity shows that Tamil Nadu has the highest share (4.7%) followed by Karnataka (23.8%), Andhra Pradesh (5.5%) and Kerala at 4.25% 8.3. Government Programmes. The Agriculture Department and KVIC promotes biogas development by providing technical and material support for construction of plants and is directly linked to the annual programmes of these agencies. A subsidy scheme for promoting the installation of biogas plants having individual capacity of not less than m 3 is in operation. Bio Energy Programme -6 - Family Type Biogas Plants- MNRE is providing subsidy for setting up of Family Type Biogas Plants under NBMMP ( to 6 cubic metre capacity per day) under National Biogas and Manure Management Programme (NBMMP). Deenabandhu model of the Department of Agriculture and the Floating Dome model of the KVIC are the two models now being encouraged in the state. Ministry of New & Renewable Energy has allocated a physical target of 20 bio gas plants to Directorate of Agriculture and 850 to ANERT for implementation under National Biogas and Manure Management Programme (NBMMP) during -6. The strong base of dairy activity being undertaken by farmers in Thiruvananthapuram district offers immense potential for setting up of biogas plants which can be encouraged among farmers owning mini dairy units in the district. Capital subsidy scheme of GoI for promoting solar photovoltaic water pumping systems:mnre, GoI has launched a new scheme to support solar pumping units per year with revised parameter with effective from 03 November 4. The scheme is credit linked and the subsidy is back ended. Kerala has been allocated a target of 600 pumpsets for -6. Ministry of New and Renewable Energy has been vested with the responsibility of developing Small Hydro Power (SHP) projects up to 25 MW station capacities. The estimated potential for power generation in the in Kerala from such plants is about 704 MW from 245 SHPs. 36 SHP units with installed capacity of 2.7 MW are installed/ under implementation. Kerala is one of the first States to announce a Renewable Energy Policy in 02. It is also one of the few States to have its own Wind Energy Policy [04] and recently announced the Solar Energy Policy in 3. Agency for Non-conventional Energy and Rural Technology [ANERT], an autonomous organisation set up by the Govt. of Kerala is the State Nodal Agency [SNA] for the MNRE, GoI to implement centrally-assisted programmes in the State. ANERT s current interventions include Solar SPV and Thermal programames, Small Hydro projects, Wind energy, biomass gassification, biogas programmes and energy conservation initiatives. 64

69 8.4 Assessment of Credit Potential for 6-7 Considering the above developments, the potential assessed for the year 6-7 has been been assessed at ` lakh as indicated below: Table 8.2 Credit potential under renewable energy (`. lakh) Sr. No Activity Unit As per Base PLP As per Revised PLP Phy Fin BL Phy Fin BL a Biogas No b Solar Water Heater No c Solar photo voltaic Home lighting systems No d Total Critical gaps & interventions required, action points / Issues to be addressed Bio-energy / Biogas: While waste management poses a serious problem it also provides a window of opportunity for the power deficit Kerala. An average person generates about 2.04 kilogram of waste per day. It can be reused to generate clean, renewable power. Biogas can be generated from organic waste from agriculture, animal husbandry and domestic sectors, and Power generation from Municipal Solid Waste (MSW) and Industrial Waste. Community bio-gas plants may be set up in each district to address the waste management and also to generate clean energy. To make it mandatory to install solar energy based devices to meet at least a part of the energy requirement in all households and offices. Rural housing loan policy may be redesigned to include a promotional component for installing solar power lighting & heating systems. To make it mandatory to install bio-gas based waste disposal system in all households To ensure availability of approved, quality devices at all places Awareness creation and provision of necessary backward and forward linkages are the critical interventions required for development of the sector. Setting up of units for treatment of solid waste by the PRIs, NGOs and Developmental Agencies, may be supported by banks. Government Departments may motivate and train farmer groups/ Farmers Clubs and SHGs to establish bio-gas units for compact areas and for scientific collection of solid waste through peoples participation. The Nodal Department may give publicity coordination and follow-up works to avail carbon credits to the investors. 65

70 Green initiative under PACS as MSC by Chengalam PACS Solar panel on roof top The PACS, Chengalam has earned the distinction of becoming the first cooperative bank in Kerala to have met 0% power requirements from solar power production. The project was implemented with assistance from NABARD under the PACS as MSC programme. Currently, the PACS has a total connected load of 2 KW and the solar lighting system set up in the PACS has 8 KWP composite capacity with multi crystalline SPV module. The PACS has created solar roof top panel of about 00 Sq. feet covering their bank, market outlet and farmers training centre. The normal cost of power for this load as per the present commercial tariff of the KSEB would be Rs per month and with the solar system in place the PACS is required to pay onlyrs.2500 per month to KSEB as minimum charge. 66

71 CHAPTER 9 CREDIT POTENTIALS FOR OTHERS 9.. Introduction In terms of revised RBI guidelines on Priority sector Lending, loans not exceeding ` 50,000/- per borrower provided directly by banks to individuals and their SHG/JLGs, provided the individual borrower s household annual income in rural areas does not exceed `.0,000/- and for non-rural areas it does not exceed `.,60,000/-, loans to distressed persons to prepay their debt to noninstitutional lenders and overdrafts extended by banks up to ` 5,000/- under PMJDY besides loans sanctioned to State Sponsored Organizations for SC/ST for the specific purpose of purchase and supply of inputs and/or the marketing of the outputs of the beneficiaries of these organizations and consumption credit are covered under the sector Others Availability of Infrastructure and critical gaps ) The progress of implementation of National Rural Livelihood Mission (NRLM) scheme through the District Kudumbashree Mission is by and large satisfactory. 2) All the accounts opened under PMJDY are required to be covered under Overdraft facility. 3) Banks can avail of the services rendered by Financial Literacy Centres set up at the block level as well as BCs for credit linkage of SHGs/JLGs and PMJDY beneficiaries. Comprehensive and meaningful financial inclusion is envisaged through such small loans to rural people Assessment of credit potential for the year 6-7 The credit potential for Other loans like SHGs, JLGs, PMJDY overdraft, consumption etc. are being made for the first time. A credit potential of ` lakh has been made under this head for 6-7, as indicated below. Table 9.3. Credit potential under others (` lakh) Sr. Activity Base PLP (6-7) Revised (6-7) No. Bank Loan Bank Loan Loans to SHG/JLGs Loans to PMJDY Loans to SC/ST SHGs Consumption Total The block-wise, activity wise financial potential for the year 6-7 is furnished in Annexure-I Critical intervention and Suggested Action Points a) The district administration and banks may create awareness among rural beneficiaries to maintain their PMJDY accounts active by carrying out transactions regularly. b) Beneficiaries may be sensitized by the banks about the security risk of Rupay card. c) Proper utilization of cash credit loans sanctioned to SHG/JLGs may be ensured through requisite support for market linkage, sensitization and handholding by NRLM. 67

72 CHAPTER INFRASTRUCTURE SUPPORT Introduction Availability of adequate Infrastructure is a prerequisite for sustained economic growth particularly in the Rural Areas. Infrastructure forms the foundations on which social, economic and industrial development is built and paves the way for new opportunities, generates additional employment and income, facilitates and improves other Rural Services. Adequate and locally appropriate infrastructure is essential to maximize the full development potential of a given region. The growth, new investment opportunities, employment potential other socio economic development etc. are dependent on the creation of critical infrastructure facilities required in the various sectors of the Rural economy. Kerala, being the state in the fore front of devolution of power to the Panchayati Raj system has also ensured during the last few years, the involvement of the beneficiaries in identification, implementation, monitoring and evaluation of infrastructure projects particularly the projects in the primary sector thereby leading to completion of infrastructure projects with reduced times and cost overruns. Investments for Creation of Rural Infrastructure is generally met from the public sources. However, of late particularly for few of the sectors related with social infrastructure, credit from financing institution is being sourced. The requirement is gradually increasing and in a short span, many new sectors will be in a position to attract credit, due to the technical soundness and the bankability of the projects. NABARD, since inception, has prioritized its strategies for facilitating credit flow to Rural infrastructure sector to fulfill its mission of rural prosperity through credit and related services. From the year 995 onwards, NABARD is in the fore front of funding rural infrastructure projects through its flagship programme of Rural Infrastructure Development Fund (RIDF) and as on date projects worth `2.236 lakh crore has been assisted throughout the country. In Kerala State projects with a total financial outlay of `.8906 crore have been assisted. Of this, in the district of Thiruvananthapuram, 43 projects with a total financial outlay of ` crore alone have been assisted. In addition to RIDF, for assisting infrastructure projects in Rural Areas, NABARD has introduced various other products like NABARD Rural infrastructure Assistance (NIDA), Warehouse infrastructure Fund (WIF), Food Processing Fund (FPF), Watershed Development Fund(WDF), Tribal Development Fund (TDF), Umbrella programme for natural resources management (UPNRM) etc. Through all these products, NABARD, as per estimates, supports % of the projects carried out in Rural Areas.. Infrastructure Public Investments..2 Major critical infrastructure requirements of the district as also infrastructure/ linkages identified in the Base PLP for different sectors and the additional interventions identified during the year are as under: Table. - Critical Infrastructure Requirements in the District Sr. No. Activity Infrastructure support requirement identified & action points Water Resources Minor irrigation projects and ground water based irrigation schemes may be taken up to increase the area under irrigation. Modernization and improvements of the tanks, canals and feeder channels of the existing irrigation systems etc. Construction of dedicated sewage lines to protect the canal water. 2 Farm mechanisation To improvise and popularize suitable agricultural machineries like transplanters keeping in view the low holding levels and shortage of labour. 68

73 3 Land Development Integrated and holistic approach to watershed development with components like water harvesting structures, land and terrace bunding, alternate land use measures, improved soil and water conservation measures. 4 Plantation & Creation of biotechnology labs for production of tissue culture banana Horticulture seedlings. Adequate supply of high tech planting material for all types of crops. Promotion of organic farming of crops particularly fruits and vegetables Encourage commercial production of organic inputs in order to ensure adequate supply to farmers for organic cultivation. Setting up of marketing infrastructure based on commodities traded and establish network of marketing centres with the facilities of processing, grading, sorting, packing and linkage with other markets/terminal markets/export houses. Popularization of polyhouses/ shade net structures 5 Animal Husbandry Milk societies/unions may be encouraged to set up milk collection centres, mini chilling plants etc. Cattle feed plants may be set up in Neyyattinkara and other taluks. Kerala Poultry Development Corporation may take necessary steps for achieving full capacity at their broiler hatcheries in Kudappanakkunnu. Set up mini incubators and broiler demonstration unit. Revival of egg nurseries, setting up more egger nurseries, modernization of Regional Poultry Farm, expansion of model farm at Kudappanankkunnu. Capacity of goat and pig breeding farms may be increased to supply adequate number of does and piglets 6 Fisheries Construction of fishing harbour at Vizhinjam may be expedited. A modern fish market with deep freezers and ice plants to ensure safe storage of the catch in Vizhinjam may be undertaken. A plan for modernization of all fish landing centres may be evolved, in consultation with the Marine Products Exports Development Authority (MPEDA). All processing units also need to be modernized as per EU/HACCP standards. Expeditious completion of hatchery at Neyyar dam and set up fresh hatcheries 7 Non-Farm Sector Establishment of district level marketing centres to provide marketing infrastructure for non-farm sector products. Setting up of a common facility centres attached to industrial estates, promotion of industrial clusters. Setting up of attractive marketing outlets for handicrafts, handloom and other non farm products. Formation of more industrial estates and revival of sick units. 8 Storage godowns Augmentation of storage facilities for agri produce by setting up godowns and cold storage facilities in rural areas. Strengthening of agriculture wholesale markets at Anayara and Nedumangad constructed with the financial assistance of EEC. These markets may be utilized for procurement of vegetables and cash crops by the Govt. with adequate support price to help the small and marginal farmers. 9 Solid Waste Management Modern sewage treatment plants to convert waste from households, hotel industry and other bio-degradable waste to various forms of energy may be set up in Corporation/Municipality/Panchayat areas. 69

74 .2. SOCIAL INFRASTRUCTURE INVOLVING BANK CREDIT- 6-7 I. Introduction.2.. Availability of Clean Drinking Water, adequate educational and health facilities, efficient waste management facility etc., defines the quality of life in a society. The better the availability, the deeper the impact on the population. Recent introduction of schemes like Swachh Bharat etc. has re-emphasised the need for better hygiene in the community. Government of India has also introduced various other schemes for improving education facilities, skill development, training etc., which in the long run will improve the GDP of the region As social Infrastructure sector has to be developed on a priority basis, Governments have given specific thrust to these sectors and to attract investments from the banking sector, credit to activities like school and health care Infrastructure, drinking water and sanitation infrastructure etc., in tier II Two tier VI centres is now considered as part of priority sector lending. Accordingly credit potential for these sectors have been assessed In Thiruvananthapuram district, the social sectors which are having the potential for bank credit are education sector and Community drinking water/sanitation facilities Assessment of Credit potential for 6-7 Based on the above factors and as per the new priority sector lending norms, the credit potential estimated for 6-7 under the sector is given below: Table.2 - Credit potential for Social Infrastructure ( `. Lakh) Sr. No. Activity Base PLP Revised PLP Physical units TFO Bank Credit Physical units TFO Educational institutions (schools/colleges) (@ Average cost of `..00 lakh per unit) 2 Community drinking water/sanitation facilities (@ Average cost of `.2.50 lakh per unit) Bank Credit Total The block-wise, activity wise financial potential under the sector for the year 6-7 is furnished in Appendix C to Annexure-I Availability of Infrastructure Critical Gaps and Inventions Required, Action Points/ Issues to be addressed. Bank s may provide credit for setting up schools and health care facilities and achieve there priority sector targets. This will also help the government in achieving the goal for Providing Urban Amenities in Rural Areas (PURA). 70

75 .3 Infrastructure indicators Table.3 - Infrastructure indicators S. No Infrastructure component District State Category Electricity A Percentage of villages electrified (as per definition) 0% 0% A+ B Percentage of rural consumers to total consumers - 74% 2 Transportation A Road density per 00 sq. km. (PWD roads) A+ B No of motor vehicles (registered vehicles of all types) per A sq.km C Villages connected by pucca roads A+ 3 Irrigation A Irrigated area to net cropped area D B % Area irrigated through groundwater A+ C % Area irrigated through surface water A+ 4 Communication A No of telephones per thousand population A+ B Density of mobile phones NA C Population served per post office A D Average area served per post office (sq. km) A+ 5 Education A Literacy rate A B Literacy rate - Male A C Literacy rate - Female A D No of schools (elementary education upto Standard 8th) per lakh population A+ E No. of secondary and sr. secondary schools per lakh population (incl.private schools) A F No of Degree and professional colleges per lakh A+ G population Teacher Pupil ratio upto Class V Class V to Class VIII Health A Birth rate (per 00 persons) NA 4.7 B Death rate (per 00 persons) NA 6.8 C Maternal Mortality Rate (MMR) per lakh live births 0.33 A+ D Infant Mortality Rate (IMR) per 00 live births A+ E Life expectancy at birth NA 73.8 F Sub centres / primary health centres / community health centres per lakh population A G No. of Dispensaries and Hospitals per lakh population A+ H No.of beds in hospitals per lakh population A+ I Doctors (modern i.e allopathic system) per lakh population ( in govt. sector) A+ 7 Water Supply % of rural population having drinking water supply (fully or partially) A+ 8 Poverty % of rural people below poverty line NA Agriculture Marketing A No. of regulated markets per 0 sq.km. NA Productivity of major Agriculture Crops in Kg/ha (2-3) Rice A Banana A Jack (No/Ha) A A+ A 7

76 S. No Infrastructure component District State Category Arecanut C Rubber 462 A Coconut (no.s/ha) A+ Source: Economic Review (The classification of the district on each of the infrastructure component has been classified on a 5 point scale depending upon the deviation from the State level where the district indicator is 0% or more of the State indicator-a+, where it is between 85% to 99.9%-A, between 70% to 84.9% - B, between 50% to 69.9%-C)..4. Sector wise Infrastructure requirements & Suggested Action Points The major/critical infrastructure requirements of the district as identified in the PLP under various sub sectors are as under. The concerned Government Departments /PRIs may formulate suitable projects. Table.4 Sector wise infrastructure requirement & present status Sector High Priority Areas Minor Irrigation B Rural Drinking Water Supply Marketing Infrastructure Solid waste management projects Fisheries Development.5 RIDF Projects in the district Infrastructure requirement & Action suggested Minor Irrigation projects at various villages viz., Aryanad, Venganoor, Madavoor, Kadakkavoor, Vamanapuram, Karode, Kizhuvilam, Athiyannoor, Navaikulam, Manamboor. Other Areas Rural drinking water projects at Mannoorkkara, Veeranakavu, Perumkulam, Kallara, Panavoor, Pullampara, Vembayam, Palode, Anad, Kurumpuzha, Kattakkada, Edakkodu, Kazhakkoottam, Menamkulam and Ayiroorpara Marketing Infrastructure Projects at Chirayinkeezhu and Marayamuttom Set up modern sewage treatment plants Completion of fishing harbour at Vizhinjam. Modern fish market with deep freezers and ice plants in Vizhinjam. Modernization of all fish landing centres and processing units. Completion of hatchery at Neyyar dam and set up fresh hatcheries The details of RIDF Projects sanctioned to the districts are as below: Sl. No. Tranche No. of projects Total Financial Outlay (`.lakh) RIDF Sanctions (`.lakh) A Closed Tranches B Ongoing Tranches XIV XV XVI XVII XVIII XIX XX Sub total B Total (A+B)

77 The details of RIDF projects sanctioned to the district under various sectors are as below: Sl No Details of Projects sanctioned under RIDF (Rs. lakh) Sector No of projects sanctioned TFO RIDF loan Construction of anganwadi centres Fishing harbour/jetties Flood protection Forest development Infrastructure for rural education institutions Market yard, godown, mandi, rural haat, marketing infrastructure Mini hydel projects/small hydel projects (upto mw) Minor irrigation projects Public health institutions Rural bridges Rural drinking water supply Rural roads Seed/agriculture/horticulture farms Watershed development/reclamation of waterlogged areas Rural bridges 6 Seed/ Agriculture/ Horticulture farms 7 Watershed development / reclamation of water logged areas TOTAL The total number of projects sanctioned in the district since inception is 43 with an aggregate sanctioned loan amount of ` Crore. Out of the 43 projects sanctioned upto RIDF XX, 237 have already been completed and remaining 94 are under various stages of completion. It is observed that due to RIDF projects, credit deepening particularly from the formal sector has increased in various areas of the districts. Under RIDF, presently projects related with 34 sub sectors are eligible for assistance. The projects under agriculture sector are provided assistance to a maximum of 95% of the eligible project cost where as 85% and 80% are provided assistance for social sectors and rural connectivity sectors..6 Infrastructure projects suggested for seeking grant assistance under RIDF The following are the few critical projects suggested for seeking assistance under RIDF: Minor Irrigation projects at various villages viz., Aryanad, Venganoor, Madavoor, Kadakkavoor, Vamanapuram, Karode, Kizhuvilam, Athiyannoor, Navaikulam, Manamboor. Modernization of water harvesting structures like ponds, tanks etc. Rural drinking water projects at Mannoorkkara, Veeranakavu, Perumkulam, Kallara, Panavoor, Pullampara, Vembayam, Palode, Anad, Kurumpuzha, Kattakkada, Edakkodu, Kazhakkoottam, Menamkulam and Ayiroorpara Solid waste management projects Alternate renewable energy projects Marketing Infrastructure Projects at Chirayinkeezhu and Marayamuttom Fisheries Modernisation of fishing harbor and fish landing centres. 73

78 CHAPTER - INFORMAL CREDIT DELIVERY SYSTEM. Introduction The SHG Bank Linkage Programme initiated by NABARD which began in 992 with formation of 500 self help groups (SHGs) has emerged as the largest microfinance programme in the world. The SHG-BLP seeks to reach and address all types of financial needs of the poor, who hitherto were not able to access credits from banking institutions due to non-possession of collateral, high cost of transaction and by virtue being in un-banked blocks. The informal credit delivery system with SHGs at the center stage suits the rural conditions and has found favourable response from all concerned throughout the country. Besides reaching banking services to the rural poor, it has also proved to be the most cost effective delivery mechanism for all developmental programmes. In Thiruvananthapuram district, Self Help groups under the SHG- Bank Linkage programme promoted by NABARD assisted NGOs and NHGs promoted by Kudumbashree Mission form the informal groups in the district. NGOs, Farmers Clubs and various commodity boards, Cooperative banks and Government departments have formed groups in the district. Major MFIs like ESAF Microfinance & Investments (P) Ltd, Muthoot Fin Corp etc. are active in the district in financing for SHGs. As on 3 March, a total of SHGs have been Saving-linked with banks, as compared to a total potential of SHGs. A large number of SHG accounts are reported to be dormant and some have been closed. Assuming that 75% of the population may be covered under SHGs, the district has further potential for formation of 68 new SHGs in isolated pockets where the movement has not penetrated. Cumulative no. of SHGs credit linked with banks upto 3 March is 923 with a balance outstanding of ` lakh in respect of 9995 SHG accounts. The highlights of the programme are given below:.2. Status of SHG-BLP The SHG Bank linkage programme in the district involves credit linkage of NHG groups promoted by the District Mission, Kudumbashree. As stated above, nearly SHGs have been saving linked and around 923 SHGs have availed at least one dose of Bank loan. The average credit per SHG is `..99 lakh. Recovery of loan sanctioned to SHGs is around 85% whereas NHGs promoted by Kudumbashree Mission has an impeccable repayment record of almost 99%. However, it is observed that banks are not very keen to extend bigger amount of credit.. 3. Issues related to micro Finance As per data from Kudumbasree, NHGs alone in the district numbers more than Alongside this, there are groups promoted by NGOs, VAs and other agencies. Hence, more no. of SHGs have been formed in the district than the estimated potential which could be due to membership in multiple groups by the same family. It is observed that while the groups are able to meet the credit requirements of the members and continue to be group mode over the years, some areas of concern regarding the quality and sustainability exist. On the positive front the members in general exhibit faith and trust in the groups. It has created a sense of solidarity and social security among the group. However, some areas of concern continue to remain as is reflected in the functioning of the groups. Weakness has crept in the groups and group dynamics are not sound and awareness about group objectives beyond thrift and credit at member level was limited. Some of the issues that are predominantly observed are: There is no rotation of leadership. This leads to over dependence of groups on same leader continues to be high. 74

79 No clear understanding of rights and responsibilities of leaders/member. Focus on group formation for availing subsidy from Government. Absence of handholding support from Self Help Promoting Institutions (SHPIs). No monitoring / supervision by banks. The loans are being used for consumption needs and income generating activities are rarely taken up..4. SHG Linkage Program -Goals and Strategy for the year 6-7 The combined presence of SHGs and NHGs in the district has covered most of the BPL population in the district. There are members from poor families even having dual memberships. Many organisations like the Janashree, is also forming groups at the grass root level. The number of SHGs linked to banks is drastically reducing over the years due to inactive and dormant groups. As such, the scope for further formation of groups in the district is shrinking. The strategy should therefore be for strengthening of the existing SHGs and linkage of the existing unlinked groups. Accordingly, around 5000 SHGs (including NHGs) are expected to be credit linked during the period Estimation of Potential under SHG-BLP Considering the total poor rural population of 7.79 lakh in the district, it is estimated that there is a total potential for promotion and saving linkage of SHGs in the district, which has already been exceeded. Large no. of SHGs have been promoted in the district. Hence, there may be potential for formation of very few SHGs only in the district, which may be in isolated tribal areas and scheduled caste colonies. Thus the potential for only 676 SHGs exists in the district for Financing through Joint Liability Groups (JLGs) The JLG mode of financing serves as collateral substitute for loans provided to the small, marginal, tenant farmers, oral lessees, share croppers, etc. It enables the banks to reach farmers through group approach, adopt cluster approach, facilitates peer education and credit discipline. Hence, the banks in the district may increase their financing to the small, marginal, tenant farmers and oral lessees through JLG mode of financing. Considering an estimated number of 00 small and marginal farmers in the district, there is potential for financing of around 000 JLGs in the district. To facilitate promotion of JLGs, banks/ Other Institutions (JLGPIs) are eligible for grant assistance from NABARD. Grant assistance will be extended to banks for formation, nurturing and financing of JLGs over a period of 3 `2,000 per JLG. Further NABARD also conduct block level/district level SHG/JLG awareness programmes and also financial literacy programmes associating with Pradhan Mantri Jan Dhan Yojana (PMJDY). 75

80 CHAPTER - 2 AREA BASED SCHEMES 2. MODEL AREA DEVELOPMENT SCHEME FOR DAIRY 2.. Introduction Thiruvananthapuram district has great potential for dairy activity.dairying provides a good opportunity to the banks for lending and the activity when financed after tying up all the linkages for provision of inputs, marketing and repayment will solve the problem of NPAs also. In order to make the dairy activity is viable, an area development pan has been prepared in consultation with the District Dairy Development Department and registered Dairy Cooperative Societies in the district. The beneficiaries would be identified by the society. The Plan intends to make a tri - partite agreement with banker-beneficiary and Dairy Cooperative Society as the three parties. Loan installment due will be adjusted from the sale proceeds directly by the Dairy Cooperative Society to the bank and the remaining amount will be paid to the beneficiary. Purchase of good quality animals and supply of feed and fodder will be ensured through the Dairy Cooperative society in association with the Dairy Department Area of operation : 28 villages in 7 blocks Perumkadavila, Athiyannoor, Kazhakkoottam, Nemom, Kilimanoor, Parassala and Vellanad blocks Financing Bank & Branches : The Dairy Cooperatives will avail loan from Banks/ NABARD to extend financial assistance to around 280 identified beneficiaries Physical & Financial outlay of the project: The targets to be allocated to banks are as under: Table No. 2.. Block-wise programmes under Dairy Development Component Unit Cost Name of Block App. No. of cases Total outlay Bank Loan Crossbred cows (2 animals). Athiyannor Crossbred cows (2 animals). Kazhakkoottam Crossbred cows (2 animals). Kilimanoor Crossbred cows (2 animals). Nemom Crossbred cows (2 animals). Parassala Crossbred cows (2 animals). Perumkadavila Crossbred cows (2 animals). Vellanad Total

81 2.2 MODEL AREA DEVELOPMENT SCHEME FOR POULTRY: 2.2. Introduction There is good scope for poultry activity in the district due to availability of day old chicks and training facilities in the district. Further the demand for poultry is increasing due to rising income levels and also the increasing awareness of the nutritional benefits of meat and egg from country birds over broiler chicken has triggered huge demand for locally grown poultry. A movement towards production of safe to eat food in the rural areas has also spurred the growth in the sector. In order to make poultry activity more viable, an area development plan has been prepared in consultation with Animal Husbandry department and some of the NGOs working in the district who are engaged in promoting SHGs/ JLGs engaged in Back yard poultry. The beneficiaries are identified by the NGOs and training provided with assistance from NABARD Area of operation: All Blocks Financing Banks All financing banks of the district to extend financial assistance for poultry (layer/backyard etc.). Final selection of the beneficiaries rests with the concerned bank Physical & Financial outlay The physical and Financial outlay of the programme are as under: Component Table No Programmes under Poultry Development Poultry layer (cage system 0 bird units) Back yard cage Poultry-50 chicks Unit Cost No of units Total outlay (` lakh) Bank Loan Total

82 District: Sr.N o. Activity Unit Cost (Rs. Appendix C to Annexure I: Activity-wise / Block-wise Physical and Financial Projections for 6-7 Athiyanoor Chirayinkil Pothencode Kilimanoor Nedumangad Nemom Parassala Perumkadavi la TVM-Urban Vamanapura m I AGRICULTURE A FARM CREDIT a b c d e f g h i j k l m n o p q r s Crop Production maintenance, Marketing PADDY COCONUT RUBBER BANANA (RED) BANANA (NENDRAN) BANANA (OTHERS) VEGETABLES PEPPER/SPICES TAPIOCA PINEAPPLE CASHEW TURMERIC GINGER TEA MEDICINAL PLANTS PULSES TUBER CROPS VANILLA GREEN FODDER Ha. Ha. Ha. Ha. Ha. Ha. Ha. Ha. Ha. Ha. Ha. Ha. Ha. Ha. Ha. Ha. Ha. Ha. Ha. Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L FLOWERS NO. Phy t Crop husbandry Total Bank Loan % for Post Harvest/Household Consumption % - Repairs and maintenance expenses of farm CROP LOAN TOTAL B.L Water Resources DUGWELL 0.50 Phy a No. B.L FIL.PT/WELL 0. Phy b No. B.L PUMPSET 0.28 Phy c No. B.L DRIP Coconut 0.26 Phy d No. B.L DRIP Banana 0.75 Phy e No. B.L SPRINKLER 0.48 Phy f No. B.L PUMPHOUSE 0.2 Phy g No. B.L STORAGE TANK 0.25 Phy h No. B.L Varkala Vellanad (Rs. in Lakh) Unit Size Block Block 2 Block 3 Block 4 Block 5 Block 6 Block 7 Block 8 Block 9 Block Block Block 2 District Total 78

83 Appendix C to Annexure I: Activity-wise / Block-wise Physical and Financial Projections for 6-7 District: (Rs. in Lakh) Sr.N Unit Cost Activity Unit Size o. (Rs. Block Block 2 Block 3 Block 4 Block 5 Block 6 Block 7 Block 8 Block 9 Block Block Block 2 District Total Athiyanoor Chirayinkil Pothencode Kilimanoor Nedumangad Nemom Parassala Perumkadavi TVM-Urban Vamanapura la m Varkala Vellanad i j k l m PIPELINE 0.6 Phy No. B.L LIFT IRRIGATION 0.75 Phy No. B.L RENOVATION OF WELL 0.7 Phy No. B.L BORE WELL + PUMP SET.09 Phy No. B.L RAIN WATER HARVESTING 0.32 Phy No. B.L Water Resources Total Farm Mechanization a TRACTOR 8.55 No. b POWER TILLER 2.55 No. c SPRAYERS/DUSTERS 0. No. d OTHER EQUIPMENTS.00 No. Farm Mechanization - Total Phy B.L Phy B.L Phy B.L Phy B.L Plantation/ Horticulture/ Sericulture a b c d e f g h i j k l m CASHEW COCONUT (IRRIGATED) RUBBER - PLANTATION RUBBER - NURSERY RUBBER ROLLERS RUBBER SHEET DRIERS RUBBER SMOKE HOUSES PEPPER - NEW PLANT PEPPER REJUVENATION ARECANUT BETELVINE TEA REPLANTATION MANGO Ha Ha Ha Ha No. No. No. Ha Ha Ha Ha Ha Ha Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy. Phy B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L. B.L n RAMBUTTAN Phy Ha B.L o Phy MEDICINAL PLANTS 0.40 Ha B.L p Phy NURSERY MISC Ha B.L q Phy MIXED CROPPING.24 Ha B.L r Phy ORCHID/ANTHURIUM.50 Ha B.L s Phy JASMINE/FLOWERS 0. Ha B.L t SERICULTURE 0.70 Ha Phy

84 Appendix C to Annexure I: Activity-wise / Block-wise Physical and Financial Projections for 6-7 District: (Rs. in Lakh) Sr.N Unit Cost Activity Unit Size o. (Rs. Block Block 2 Block 3 Block 4 Block 5 Block 6 Block 7 Block 8 Block 9 Block Block Block 2 District Total Perumkadavi Athiyanoor Chirayinkil Pothencode Kilimanoor Nedumangad Nemom Parassala TVM-Urban Vamanapura Varkala Vellanad la m SERICULTURE 0.70 Ha B.L u 0 kg Phy MUSHROOM 0.7 batch B.L v Phy VANILLA.92 Ha B.L w Phy APICULTURE 0.25 Ha B.L x Phy. 2 NATURALLY VENTILATED 5.38 cents POLYHOUSES B.L Phy. 2 y RAIN SHELTER HOUSE sq.m B.L Plantation/ Horticulture/ Sericulture - Total a Forestry & Wasteland Development WASTELAND Phy Ha DEVELOPMENT B.L b FARM FORESTRY 0.72 Ha Phy B.L Forestry & Wasteland Development Total Animal Husbandry - Dairy a C.B.COW ( COW UNIT) 0.95 No. b GR. MURRAH BUFFALO. No. c CALF REARING 0.54 No. d FEEDMIX UNIT 8T/SHIFT No. e FODDER DEVELOPMENT 0. Ha f g h MILK PRODUCTION/ MFG (50 LPD) DAIRY UNIT - 5 COWS (3+2 UNIT) MALE BUFFALO CALF REARING 0. No No. 0.5 No. Phy B.L Phy B.L Phy B.L Phy B.L Phy B.L Phy. B.L Phy B.L Phy B.L Animal Husbandry - Dairy - Total Animal Husbandry - Poultry a BROILER birds b c d e LAYER (CAGE SYSTEM) EGGER NURSERY HATCHERY - 0 bird unit EGG CART SCHEME birds no.s bird unit 2.50 No.s f FEED PLANT T/shift g POULTRY PROCESSING bird unit -semi automatic machine h DUCK REARING No.s 500 F +75 M i QUAIL REARING - LAYER. 00 no.s Phy B.L Phy B.L Phy B.L Phy B.L Phy. 35 B.L Phy B.L Phy B.L Phy B.L Phy B.L

85 Appendix C to Annexure I: Activity-wise / Block-wise Physical and Financial Projections for 6-7 District: (Rs. in Lakh) Sr.N Unit Cost Activity Unit Size o. (Rs. Block Block 2 Block 3 Block 4 Block 5 Block 6 Block 7 Block 8 Block 9 Block Block Block 2 District Total Athiyanoor Chirayinkil Pothencode Kilimanoor Nedumangad Nemom Parassala Perumkadavi TVM-Urban Vamanapura la m Varkala Vellanad j QUAIL REARING - Phy /week BROILER B.L k Phy BACKYARD POULTRY chicks B.L l MOTHER UNIT FOR 00 Phy BACKYARD POULTRY chicks B.L Animal Husbandry - Poultry - Total Animal Husbandry - SGP a b c d e GOAT REARING - 3 DOES GOAT REARING - 3+ COMM. GOAT REARING PIG FATTENER PIG BREEDING DOES 3 D + B 0 D +4B PIGLETS 3 S+ B Phy. Phy. Phy. Phy. Phy B.L. B.L. B.L. B.L. B.L Animal Husbandry - SGP - Total Fisheries 9. INLAND FISHERIES a FRESH WATER FISH FARM 0.99 b COUNTRY BOAT 0.24 No. c f g i NURSERY REARING PONDS BACKYARD HATCHERY FOR SHG WOMEN AQUARIUM FABRICATION UNITS CAGE CULTURE OF FIN FISHES IN PONDS SUBTOTAL INLAND FISHERIES 9.2 MARINE FISHERIES j OUT BOARD MOTOR.25 k SETTING UP PCR LAB IN HATCHERIES FISHING GEAR Ha Ha d ORNAMENTAL FISH e h RENOVATION OF PONDS AND TANKS No. Phy B.L Phy B.L Phy B.L Phy B.L Phy B.L Ha Phy B.L No. Phy. 5 0 B.L No. Phy B.L Ha Phy B.L No. B.L Phy B.L Phy No. B.L l 0.36 Phy CATTAMARAN No. B.L m Ha Phy MUSSEL CULTURE B.L n 4.50 No. Phy MARINE PLYWOOD CANOE B.L o REFRIGERATED SEA.00 No. Phy WATER SYSTEM ON B.L BOARD CONVERSION OF Phy p No. EXISTING VESSEL INTO B.L FACILITIES FOR FISH 7.00 No. Phy q CURING, DRYING, B.L No. Phy r SEA CAGE CULTURE UNIT 8

86 District: Sr.N o. r s Activity SEA CAGE CULTURE UNIT SOLAR FISH DRYING UNIT Unit Cost (Rs. Appendix C to Annexure I: Activity-wise / Block-wise Physical and Financial Projections for 6-7 (Rs. in Lakh) Unit Size Block Block 2 Block 3 Block 4 Block 5 Block 6 Block 7 Block 8 Block 9 Block Block Block 2 District Total Athiyanoor Chirayinkil Pothencode Kilimanoor Nedumangad Nemom Parassala Perumkadavi TVM-Urban Vamanapura la m Varkala Vellanad B.L No. Phy B.L SUBTOTAL - MARINE FISHERIES B.L PRAWN CULTURE t 5.3 Phy BRACKISH WATER PRAWN Ha B.L u MILLION Phy PRAWN hatchery B.L v RENOVATION OF No. Phy EXISTING ICE PLANT B.L w REFRIGERATED 4.00 No. Phy TRUCK/CONTAINERS B.L x 6.00 No. Phy SETTING UP MINI QC LAB B.L y RENOVATION OF PRE No. Phy PROCESSING CENTRES B.L SUBTOTAL - PRAWN CULTURE B.L Fisheries- Total Others a b WORK ANIMALS BULLOCK AND CART PAIR NO. Phy. Phy B.L. B.L Others- Total B.L TOTAL FARM CREDIT (- ) B AGRICULTURE INFRASTRUCTURE Storage Facilities a b c COLD STORAGE STORAGE/ MARKET YARD RURAL GODOWN No. Phy B.L No. Phy B.L No. Phy B.L Storage Facilities- Total Land Development, Soil Conservation, watershed Development a LAND RECLAMATION.80 Phy Ha B.L b c BUND/SOIL.08 Phy Ha CONSERVATION B.L LAND LEVEL./SOIL.34 Phy Ha IMPROV. B.L e f g WATERSHED DEVT. WATER MANAGEMENT LAND DVPT - MISC Phy Ha B.L Phy Ha B.L Phy Ha B.L Total Land Development, Soil Conservation, watershed Others a VERMI COMPOSTING/ BIOFERTILISERS 0.93 Ha d SEED PRODUCTION 3.00 Ha Phy. 0 B.L Phy B.L

87 District: Sr.N o. Activity Unit Cost (Rs. Appendix C to Annexure I: Activity-wise / Block-wise Physical and Financial Projections for 6-7 (Rs. in Lakh) Unit Size Block Block 2 Block 3 Block 4 Block 5 Block 6 Block 7 Block 8 Block 9 Block Block Block 2 District Total Athiyanoor Chirayinkil Pothencode Kilimanoor Nedumangad Nemom Parassala Perumkadavi TVM-Urban Vamanapura la m Varkala Vellanad Others- Total TOTAL- AGRICULTURE INFRASTRUCTURE (-3) C ANCILLARY ACTIVITIES 4 Food & Agro Processing a b c d e f g h i j k n COPRA PROCESSING 2.75 No. Phy B.L FISH PROCESSING 2.50 No. Phy B.L FOOD PROC-BEVERAGES 6.60 No. Phy B.L RICE/ FLOUR MILL 2.50 No. Phy B.L BANANA/ TAPIOCA CHIPS 0.50 No. Phy B.L SMALL BAKERY UNITS.00 No. Phy B.L PAPAD/ CURRY POWDER 0.60 No. Phy B.L AGRO PROCESSING 6.60 No. Phy B.L MILK PRODUCTS.00 No. Phy B.L COCONUT BASED INDUS No. Phy B.L HONEY PROCESSING.00 No. Phy B.L Food & Agro Processing - TERM LOAN Food & Agro Processing - WORKING CAPITAL Food & Agro Processing- Total Other Ancillary activities a b Loans to cooperative Phy No. societies incl. PACS B.L Loans to Farmer producer Phy No. companies/societies B.L Other Ancillary activities- Total TOTAL ANCILLARY ACTIVITIES (4+) TOTAL AGRICULTURE ( to ) II MICRO, SMALL AND MEDIUM ENTERPRISES(MSME) a b c d e f Manufacturing Sector- Term Loan HANDICRAFT UNIT VILLAGE INDUSTRIES RURAL ARTISANS RUBBER/ PLASTICS LEATHER PRODUCT CHEMICAL INDUSTRY No. No. No. No. No. No. Phy. Phy. Phy. Phy. Phy. Phy B.L. B.L. B.L. B.L. B.L. B.L g ELECTRONIC UNIT 2. No. Phy B.L h ELECTRICAL UNIT 7.50 No. Phy B.L i TAILORING/ READYMADE 2.00 No. Phy B.L

88 District: Sr.N o. Activity Unit Cost (Rs. Appendix C to Annexure I: Activity-wise / Block-wise Physical and Financial Projections for 6-7 (Rs. in Lakh) Unit Size Block Block 2 Block 3 Block 4 Block 5 Block 6 Block 7 Block 8 Block 9 Block Block Block 2 District Total Athiyanoor Chirayinkil Pothencode Kilimanoor Nedumangad Nemom Parassala Perumkadavi TVM-Urban Vamanapura la m Varkala Vellanad j HANDLOOM 6.50 No. Phy B.L k CANE/ BAMBOO PRODN No. Phy B.L l AGRO INDUSTRY No. Phy B.L m FURNITURE/WOOD PRODUC 3.00 No. Phy B.L n COIR/ LOOM 0.65 No. Phy B.L o COIR DEFIBRING. No. Phy B.L p CONSTN./ BUILDING MAT No. Phy B.L q POTTERY 0.40 No. Phy B.L r PHARMACEUTICALS 2.30 No. Phy. 5 5 B.L Manufacturing Sector- Term Loan - Total Manufacturing Sector- Working Capital a COIR B.L b c d e HANDLOOMS B.L POWER LOOM B.L SMALL IND. B.L OTHERS B.L Total- Manufacturing Sector- Working Capital B.L a b c d Service Sector- Term Loan GEN ENGG/MACHINERY PAR 2.50 INFORMATION TECH UNITS REPAIR/ SERVICE UNIT PRINTING AND BINDING No Phy. No. No. No. 3 Phy. Phy. Phy B.L B.L. B.L. B.L e DTP OFFSET PRINTING No. Phy B.L f KISAN SERVICE KENDRA.00 No. Phy B.L g SRWTO B.L h TRADE/SMALL BUSINESS B.L i PROFESS.&SELF-EM/OTHERS B.L Total- Service Sector Term Loan Service Sector- Working Capital TOTAL MSME III a b EXPORT CREDIT Preshipment credit B.L Post-shipment credit B.L Total- Export Credit

89 District: Sr.N o. Activity Unit Cost (Rs. Appendix C to Annexure I: Activity-wise / Block-wise Physical and Financial Projections for 6-7 Athiyanoor Chirayinkil Pothencode Kilimanoor Nedumangad Nemom Parassala Perumkadavi la TVM-Urban Vamanapura m Varkala Vellanad (Rs. in Lakh) Unit Size Block Block 2 Block 3 Block 4 Block 5 Block 6 Block 7 Block 8 Block 9 Block Block Block 2 District Total IV a V a VI a b c EDUCATION EDUCATION B.L Total- Education HOUSING HOUSING B.L Total - Housing RENEWABLE ENERGY BIOGAS 0.9 No. Phy B.L Solar Water Heater 0.50 No. Phy B.L SPV HLS 0.50 No. Phy B.L Total- Renewable Energy VII OTHERS (Loans to SHGs/ JLGs, Loans to distressed persons to prepay non-institutional lenders, PMJDY, Loans to State Sponsored organizations for SC/ST) a LOANS TO SHG/JLGS B.L. b Loans to PMJDY B.L c Loans to SC/ST SHGs B.L d CONSUMPTION/MISC. B.L Others Total VIII SOCIAL INFRASTRUCTURE a b BANK LOAN FOR SCHOOLS/COLLEGES BANK LOAN FOR RURAL DRINKING WATER/SANITATION FACILITIES Phy B.L Phy B.L Social Infrastructure - Total TOTAL PRIORITY SECTOR (I to VII)

90 State :: Kerala Annexure II - Overview of flow of Ground Level Credit - Agency wise / Sector wise District :: Thiruvananthapuram Sr. No. Agency/ Type of Loan ( `lakh) Target Achievement Target Achievement Target Achievement DCP Target Crop Loans a Commercial Banks b Dist. Coop./State Coop. Banks c State Agri. Rural Dev. Bank d Regional Rural Bank e Others Total Term Loans( MT+LT) a Commercial Banks b Dist. Coop./State Coop. Banks c State Agri. Rural Dev. Bank d Regional Rural Bank e Others Total Total Agricultural(+2) a Commercial Banks b Dist. Coop./State Coop. Banks c State Agri. Rural Dev. Bank d Regional Rural Bank e Others Total Non Farm Sector (NFS) a Commercial Banks b Dist. Coop./State Coop. Banks c State Agri. Rural Dev. Bank d Regional Rural Bank e Others- KFC Total Other Priority Sector (OPS) a Commercial Banks b Dist. Coop./State Coop. Banks c State Agri. Rural Dev. Bank d Regional Rural Bank e Others- KFC Total GRAND TOTAL( 3+4+5)

91 State :: Kerala Sr. No Agencies/ Sectors 2-3 # District :: Thiruvananthapuram (Rs.lakh) -6 (Target) CBs PCARDBs Coops. RRBs Total CBs PCARDBs Coops. RRBs Total CBs PCARDBs Coops. RRBs Total CBs PCARDBs Coops. RRBs Others Total I. Crop loan II Term Loan 0 a MI b LD c FM d P&H e DD f Poultry g S/G/P h Fisheries i F/WLD j SMY k BG l Sericulture m Others Sub-total-II ANNEXURE III Agency wise / Sub sector wise details of Ground Level Credit Flow under Agriculture and Allied Activities 3-4 # 4- Grand Total (I+II)

92 State: Kerala Sector & Activity Unit Size Unit Cost (`) Sector & Activity Unit Size Unit Cost (`) Water Resources PEPPER INTERCROP Ha DUGWELL (Dia =.5m Depth = 5m, RCC rings ) No POLYHOUSE (Naturally ventellated ) cents PUMPSET 3 HP No RAIN SHELTER HOUSE 0 SQ. MT DRIP SYSTEM -Banana Ha RAMBUTTAN Ha 2840 DRIP SYSTEM -Coconut Ha Forestry & Wasteland Sector DRIP SYSTEM -Arecanut Ha BAMBOO Ha SPRINKLER Ha SOCIAL FORESTRY Ha 000 PUMPHOUSE (2m x 2m x 2m) No. 00 FARM FORESTRY Ha 700 STORAGE TANK (3mx3mx.5m) No TEAK PLANTATION Ha PIPELINE (63mm-6kg/cm2 length: 0m) Ha. 600 MAHAGONY HA SPRINKLER Ha MATTI (AILANTHUS) Ha DEEPENING OF WELL No. 800 Animal Husbandry - Dairy Development BORE WELL(: 6/6.5 inches Depth: 80m) No C.B. COW cow unit with Shed RAIN WATER HARVESTING No C.B.COW 2 cow unitwith Shed Land Development C.B.COW 5 cow unit with Shed LAND RECLAMATION (waterlogged soils by drai Ha CB COW cow unit with Shed BUND/SOIL CONSERVATION Ha. 660 GR. BUFFALO 2 Murrah 20 LAND LEVEL./SOIL IMPROV. Ha CALF REARING Calf VERMI COMPOST/BIOFERTT. No BUFFALO MALE CALF REARING I Calf 500 WATERSHED DEVT. Ha. 607 CATTLE SHED 65 Sq.ft/Animal, Rs.500/Sqft WASTE LAND DEV Ha. 244 FODDER CULTIVATION Ha WATER MANAGEMENT Ha MILK PROD/ MFG No ONFARM DEVELOPMENT Ha 000 MILKING MACHINE No Farm Mechanisation Annexure IV Indicative Unit cost for select activities Poultry TRACTOR- 40 HP No BROILER Unit of POWER TILLER- 9 HP No. 400 BROILER 500 birds 5400 SPRAYERS /DUSTERS No. 000 DUCK REARING 500 F + 75 M 760 OTHER FARM EQUIPMENTS No BACKYARD POULTRY birds 50 POWER TRANSPLANTER No Micro Cage Broiler- Only for JLGs & SHGs 0 Birds 530 THRESHERS No POULTRY PROCESSING 0b/shift Plantation & Horticulture LAYERS 00 birds 400 CASHEW Ha S-G-P-R PINEAPPLE Ha GOAT REARING 3 Does MANGO Ha. 000 GOAT REARING 5 D + B 650 COCONUT-NEW PLANTING/REPL Ha GOAT STALL FED / COMMERCIAL 0D + 7 B COCONUT REJUVENATION Ha GOAT REARING 9D+B 3 SERICULTURE Ha GOAT BREEDING 500D+25B RUBBER-NEW PLANT Ha MALE CALF REARING FOR MEAT RUBBER-REPLANTING Ha PIG FATTENER piglets 4800 RUBBER-NURSERY 0.4 ha PIG BREEDER CUM FATTENER RUBBER DRIER RRSD Inland Fisheries RUBBER- SMOKE HOUSE 0 Kg FRESH WATER FISH FARMING Ha RUBBER-ROLLER 4.5"x 24" FRESH WATER PRAWN FARMING Ha PEPPER-NEW PLANT Ha ORNAMENTAL FISH - Backyard unit No PEPPER REJUVENATION Ha BRACKISH WATER PRAWN FARMING Ha 530 NUTMEG/ CLOVE/SPICES Ha PRAWN HATCHERY 5M BETELVINE 5 cents 000 Marine Fisheries ORCHID 00 plants COUNTRY BOAT No RUBBER ROLLER SHED 8' x 8' x 9' 4070 OUT BOARD MOTOR No. (9.9 HP) JASMINE 5 cents 000 FISHING GEAR No MUSHROOM 0 kg/batch 000 MUSSEL CULTURE 24 sq.m 300 NURSERY - MISC 0.4 Ha MARINE PLYWOOD CANOE No MEDICINAL PLANTS Ha MUD CRAB FATTENING 0.5 ha ARECANUT Ha Non Conventional Energy Sources District : Thiruvanathapuram APICULTURE 25 boxes BIOGAS KVIC 2.5cu.m. 80 COCONUT MIXED CROP Ha. 380 SOLAR PHOTO VOLTAIC LIGHTING 50 wp 6500 COCONUT MIXED CROP Ha. 380 SOLAR WATER HEATERS 0 ltrs/day 240 SOLAR PUMPING SYSTEM 900wp

93 Annexure V SCALE OF FINANCE OF CROPS FIXED BY DLTC -6 Thiruvanantapuram Amt. in ` Sl. Name of crop Unit Minimum Maximum No. Paddy local -Virippu ha Paddy loacal- Mundakan ha Paddy (HYV) -Virippu ha Paddy (HYV) -Mundakan 2 ha Banana-Nenthran ha Banana- Red ha Banana-" Others ha Cocunut - Rainfed ha " Irrigated ha Tapioca ha Ginger ha Pepper ha Turmeric ha Pine-apple ha Rubber ha Arecanut ha Vegetable ha Vegetable- pandhal ha Cocoa ha Coffee ha Cardamom ha Cashew ha Tea ha Fodder ha Gingelly ha Nutmeg ha Flowering Plants 00 no Vanila ha Chillies ha Kacholam ha Sweet Potato ha Fish farming ha Shrimp farming ha Medicinal Plants ha Ramacham ha

94 Annexure VI Block wise details of potential available for promotion and savings linkage of SHGs District: Thiruvananthapuram Sl. No Name of the block Total potential for promotion of SHGs No. of SHGs savings linked on 3 March Balance potential as on 3 March No. of SHGs to be promoted and savings linked during -6 No. of SHGs to be promoted and savings linked during 6-7 Athiyanoor Chirayinkeezhu Kilimanoor Nedumangad Nemom Parassala Perumkadavila Pothencode TVM urban Vamanapuram Varkala Vellanad Total District: Thiruvananthapuram Annexure VIA Block wise potential for credit linkage of SHGs Sl. N o Name of the block No. of SHGs (credit linked) as on 3 Mar. SHGs to be credit linked during -6 SHGs to be credit linked during 6-7 Fresh Repeat Fresh Repeat No. Amount (` lakh) No. Amount (` lakh) No. Amount (` lakh) No. Amount (` lakh) Athiyanoor Chirayinkeezhu Kilimanoor Nedumangad Nemom Parassala Perumkadavila Pothencode TVM urban Vamanapuram Varkala Vellanad Total

95 ABBREVIATIONS ABS Area Based Schemes FC Farmer s Club ABCs Agri Business Centres FIF Financial Inclusion Fund ACABC Agri-Clinics and Agri Business Centre FIPF Farm Innovation Promotion Fund ACP Annual Credit Plan FITF Financial Inclusion Technology Fund ADP Area Development project FLC Financial Literacy Centre AI Artificial Insemination FLCC Financial Literacy Counselling Centre AMIGS APMC Act Agricultural Marketing Infrastructure, Grading and Standardisation Agricultural Produce Market Committee Act FMD FTTF Foot and Mouth Disease Farm Technology Transfer Fund APCOS Anand Pattern Cooperative Societies GBY Grameen Bhandaran Yojana ATMA Agricultural Technology Management Agency GCA Gross Cropped Area BC Business Correspondent GCC General Credit Card BIRD Bankers Institute of Rural Development GCF Gross Capital Formation BLBC Block Level Banker s Committee GDP Gross Domestic Product BPL Below Poverty Line GIA Gross Irrigated Area BRGF Backward Region Grant Fund GLC Ground Level Credit CAT Capacity Building for Adoption of Technology GoI Government of India CBs Commercial Banks IARI Indian Agricultural Research Institute CBS Core Banking Solution ISAM Integrated Scheme for Agri Marketing CCB Central Co-operative Bank IWDP Integrated Wasteland Development Project CDB Coconut Development Board JLG Joint Liability Group CDR Credit Deposit Ratio JLTC Junior Level Training Centre CGTMSE CPCRI Credit Guarantee Fund Trust for Micro and Small Enterprises Central Plantation Crops Research Institute JNNSM KAU Jawaharlal Nehru National Solar Mission Kerala Agricultural University CRAR Capital to Risk weighted Asset Ratio KAMCO Kerala Agro Machinery Corporation Ltd. CTCRI Central Tuber Crops Research Institute KCC Kisan Credit Card CWC Central Warehousing Corporation KCMMF The Kerala Cooperative Milk Marketing Federation DCC District Consultative Committee KLDC Kerala Land Development Corporation DCP District Credit Plan KSLUB Kerala State Land Use Board DDM District Development Manager KSPDC Kerala State Poultry Development Cooperation DEDS Dairy Entrepreneurship Development Programme KVASU Kerala Veterinary and Animal Science University DFRL Defence Food Research Laboratory KVIC Khadhi and Village Industry Commission DLRC District Level Review Committee KYC Know Your Customer DLTC District Level Technical Committee LBR Lead Bank Returns DPC District Planning Committee LSGI Local Self Government Institution DTPC District Tourism Promotion Council LWE Left Wing Extremism 9

96 MATSYAFED Kerala State Cooperative Federation for Fisheries Development Ltd. MEDP MIDH MILMA MPEDA MFDEF MGNREGA Micro-Enterprise Development Programme Mission for Integrated Development of Horticulture Kerala Cooperative Milk Marketing Federation Ltd. Marine Produce Export Development Authority Micro finance Development and Equity Fund Mahatma Gandhi National Rural Employment Guarantee Programme PoS PODF PPP PRODUCE RAIDCO RATTC RBI Point of Sale Producer Organisation Development Fund Public Private Partnership Producer s Development & Upliftment Corpus The Regional Agro Industrial Development Cooperatives of Kerala Ltd. Regional Agricultural Technology Training Centre Reserve Bank of India MIS Management Information System RIDF Rural Infrastructure Development Fund MSME Micro Small and Medium Enterprises RIF Rural Innovation Fund NABARD National Bank for Agriculture & Rural Development Bank RIPF Rural Infrastructure Promotion Fund NABFINS NABARD Financial Services Ltd RKVY Rashtriya Krishi Vikas Yojana NBMMP National Biogas & Manure Management Programme RLP Realistic Lending Programme NEFT National Electronic Fund Transfer RRB Regional Rural Banks NFDB National Fisheries Development Board RSETI NFS Non-Farm Sector RTI Right to Information Rural Self Employment Training Institute NFSM National Food Security Mission RUDSETI Rural Development & Self Employment Training Institute NHB National Horticulture Board SCC Swarojgar Credit Card NIDA NABARD Infrastructure Development Assistance SAMIS Service Area Management Information System NIE National Implementing Entity SFAC Small Farmers Agri-Business Consortium NMPS NMAET National Mission for Protein Supplements National Mission on Agricultural Extension and Technology SGSY SHG-BLP Swarnajayanti Gram Swarozgar Yojana Self Help Group Bank Linkage Programme NRLM National Rural Livelihood Mission SLBC State level Banker s Committee NRM Natural Resource Management SRI System of Rice Intensification NIFM National Institute of Financial Management SWC State Warehousing Corporation NPA Non-Performing Assets TDF Tribal Development Fund NSSO National Sample Survey Organisation UPNRM Umbrella Programme on Natural Resource Management NWR Negotiable Warehouse Receipt WDF Watershed Development Fund OPS Other Priority Sector WDRA Warehousing Development and Regulatory Authority PACS PCARDB Primary Agricultural Cooperative Societies Primary Cooperative Agricultural & Rural Development Bank WGDP WSHG Western Ghat Development Programme Women Self Help Group 92

97 Support to Producer Organization Eligible Organizations: Producer Organizations (POs) registered / incorporated under any statute of law viz. Companies Act, Societies Registration Act, Indian Trusts Act etc,. Agencies like NGOs, VAs, Trusts and Financial Institutions participating in supply/value chain process, for onlending to PO, farmers/artisan groups or clusters such as JLGs, SHGs, federation of FC etc. Other institutions whose activities are in conformity with the overall objectives of Producers Organizations. Assistance from NABARD:. Credit support I. Directly to POs as term loan, working capital term loan, composite loan. II. Assistance to Implementing Agency for on lending to PO. III. Collateral free support to Producer Organizations for strengthening the capital base. 2. Credit plus support as grant for Capacity Building, Market Linkages etc,. Repayment Margin Interest Rate Security Between to 2%. Maximum Minimum % Actual rate would be years including of the project based on associated grace period of outlay risk and two years collaterals provided Primary security: Hypothecation of all assets created/purchased out of NB assistance. Collateral security: Morgage of commercial land/buildings/pledge of Fixed deposit Receipts/ third party guarantee/ personal guarantee/ any other security prescribed by NB Technical Assistance Assistance for preparation of project report would also be provided by NABARD. Support under PACS as Multi Service Centre (PACS as MSC) Specially for Primary Agricultural credit Societies Loan assistance with need based grant support For setting up of agro service/processing centres, agri transportation and marketing facilities, consumer stores, onlending etc. Assistance from NABARD Scheme Interest Rate Security Directly to PACS 9.5 % Primary security: Hypothecation of all assets created/purchased out of NB assistance. Through SCB/DCB % additional to NABARD s rate (Max.) Repayment will be maximum 7 years with 2 years grace period. (For more details, visit (Also visit : Collateral security: Morgage of commercial land/buildings/pledge of Fixed deposit Receipts/ any other security prescribed by NB

98 NABARD Consultancy Services (Nabcons) (Wholly owned subsidiary of NABARD) EXPERT CONSULTANCY SERVICES AVAILABLE FOR Techno-economic feasibility studies and potential surveys Detailed project formulation Techno-economic appraisal of projects for bank financing, Debt restructuring Micro-developmental planning, Investment surveys Conceptualization, design and implementation of developmental programmes / projects in various fields including micro finance Monitoring and Evaluation of the developmental projects and investments International Visitors' Programme/ International Exposure Visits Capacity building and human resource development Conduct Sectoral studies and identification of potentials and perspective plans. Legislative drafting, model laws, documentation of agreements / contracts in development banking and service matters etc. TESTED EXPERTISE IN Minor irrigation/ Land development/agronomy Soil conservation/ watershed development/ water management Organic farming Agribusiness/ agri clinics Forestry and waste land development Plantation and horticulture Bio-fuel plant cultivation Farm mechanization, engineering in agriculture Non-conventional sources of energy Bio-technology and hi-tech projects Poultry, dairy, animal husbandry, fisheries(inland and marine) and aqua culture Post-harvest technology for agricultural produce, storage, food processing, cold chain development, market yards Rural industrialization and development of non-farm sector Micro finance, poverty reduction programmes, tribal development, women empowerment and other developmental projects and investments Capacity building through workshops, seminars and training programmes on developmental issues NABARD Head Office Plot No.C-24, G Block, Bandra Kurla Complex, P B No.82, Bandra (E) Mumbai NABCONS Corporate Office 24, Rajendra Palace New Delhi- 008 ÀãÓ Èãè¾ã ãðšãäóã ããõà ØãÆã½ããè ã ãäìã ãšãôã ºãö ãš National Bank for Agriculture and Rural Development ãñšàêã àãñ ããè¾ã ãšã¾ãããêã¾ã, ¹ãì ãñ ã Àãñ,Ô ñþ¾ãî, ¹ããñÔ ºããù ã Ôã: 2, ãä ãáìã ãâ ã¹ãìà½ãá Kerala Regional Office, Punnen Road, Statue, Post Box:2, Thiruvananthapuram Tel: /700 Fax: trivandrum@nabard.org Website: