Suggested action Points in respect of major sectors and infrastructure/non-credit inputs are as under: B. Sector-wise comments on major sectors:

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1 EXECUTIVE SUMMARY A. Introduction: Union Territory of Dadra & Nagar Haveli is primarily an agricultural district with paddy and pulses as the predominant crops. The other major crops cultivated are mangoes, sapota and vegetables. However, due to rapid industrialization, the share of agriculture sector in employment is reducing day by day in UT. About 82% of land holdings are with small and marginal farmers and the average size of the holdings is 1.36 ha. The Potential Linked Credit Plan (PLP) for has been prepared aligning with the revised RBI guidelines on Priority Sector Lending. It estimates credit flow of Rs lakh, of which, Crop Production sector has a share of 4.28% at Rs lakh. Term loan under agriculture is assessed at Rs lakh accounting for about 8.52%. Under MSME, Rs lakh has been assessed as potential forming 51.53% and balance 35.67% at Rs lakh has been estimated for other sectors like Exports, Education, Housing, etc. The activity-wise and block-wise assessment of potential is presented in Annexure I. The PLP projection for is higher by Rs lakh when compared to the PLP for the year representing an increase of 59%. Further, the PLP projection is higher by Rs lakh when compared to the ACP target for the year Considering the achievement under ACP at Rs lakh (182% achievement), the projection for PLP is increased by 59%. Suggested action Points in respect of major sectors and infrastructure/non-credit inputs are as under: B. Sector-wise comments on major sectors: 1. Crop Production, Maintenance and Marketing: The main food crops are paddy and pulses. Besides this mangoes and coconut are also cultivated. Agriculture Department may undertake the awareness programme on appropriate high value crop diversification for small and marginal farmers. There is a scope for taking up high value crops and vegetables which will give higher income to small and marginal farmers. Drip irrigation for paddy will increase the productivity. Out of farmers, about 82.31% are small and marginal farmers. Total KCC issued upto is only The small and marginal farmers have to be covered under KCC or JLGs. 2. Farm Mechanisation: Shortage of labour and cost of labour is a major problem in agriculture. Many farmers have destroyed their very old sapota trees due to this problem. Farmers can purchase different farm machineries like paddy transplanter, self-propelled harvesters, bulldozers, threshers etc. through bank loan. On many farm equipments like tractor, power tiller etc. subsidy is also available from agriculture department. Banks may increasingly adopt the strategy of JLG financing to enable SF/MF to purchase farm machineries and equipment this will increase their productivity and also reduce drudgery. 3. Plantation and Horticulture: DNH is having similar climatic condition like Valsad. Hence farmers are cultivating mangoes, sapota and vegetables. Horticulture crop under greenhouse, nethouse gives good income to farmers. However, technical knowledge and guidance may be provided to farmers by Agri. Department, for successful adoption of such method. Proper grading, sorting, packaging and processing units are also required in district as value addition to such products will enable farmers to get good prices. An Area 1

2 Based Scheme (ABS) has been prepared for vegetable cultivation through mandap and trellies which can be financed through bankers. The details of ABS is given in Chapter Animal husbandry: Dairy is the second largest economic activity after agriculture. There are 29 Milk Co-operative societies in DNH. AH Department is implementing Integrated Dairy Development Project (IDDP) in collaboration with Vasudhara Dairy and Dena Bank. The AH Department is giving subsidy on milch animals and Vasudhara dairy is providing milk collection services. Subsidy is also available under Dairy Entrepreneurship Development Scheme (DEDS) for purchasing milch animals. Animal husbandry, particularly dairy is the most suitable subsidiary occupation. As dairy offers quick returns and near stable prices, banks may finance liberally ensuring tie-up arrangements with Dairy farms/societies. Banks may also encourage farmers to take up calf rearing and fodder cultivation, as viable activities with financial assistance. As the dairy sector has good scope in district, an Area Based Scheme (ABS) has been prepared for dairy activity 5. MSME: DNH is having 4 industrial estates. The MSME and Service Sector is growing fast since last 2-3 years. The infrastructure available is very good. It is strategically located near big cities like Mumbai and Surat. There are many pharmaceutical, plastic, textile and other industries which are engaged in export business. MSME as well as Service Sector units are having good scope over here as it is a tourist point. DIC may help in marketing for Rural NFS products by arranging for some Exhibitions, Trade Fairs, Melas, etc. NABARD is organising such melas wherein rural artisans and SHG members can showcase their products and earn by selling these products in urban areas. Banks should step up their lending to MSME sector including provision of adequate Working Capital assistance. C. Highlights of Developments, initiatives taken, achievements, specific prescriptions etc.: Out of farmers, about are small and marginal farmers. Dairy is secondary activity undertaken for supplementing income by such farmers. To give thrust to Dairy Activity and Vegetable Cultivation through mandva/trellies, by enhancing term loan disbursements through a banking plan, implementation of area based scheme/s has been suggested as a coordinated effort of NABARD, Lead Bank, other banks, line departments and other important stake holders. GoI has established the National Adaptation Fund on Climate Change (NAFCC) with a budget provision of Rs.350 crores for the year and NABARD has been appointed as National Implementing Entity (NIE) responsible for implementation of adaptation projects under the Fund. To ensure effective price protection to the farmer, National Agricultural Market being proposed can be a solution backed by adequate storage facilities. D. Thrust areas for : The PLP document, besides discussing the development initiatives taken by GOI in the fields of agriculture, horticulture, and infrastructure lays emphasis on the following thrust areas and calls for collective participation of all stakeholders in the district to firm up the credit plan and to work towards achievement of targets for

3 i. Improvement in CD ratio of the district. ii. Coverage of all eligible farmers under KCC. iii. Promotion of Joint Liability Groups and ensuring credit linkage. iv. Capacity building of SHGs and upscaling of SHG linkage. v. Ensuring capital formation in agriculture by financing potential sectors mainly Farm Mechanisation, Dairy and Food and Agro processing. E. Area Based Scheme (ABS): The Area Based Scheme (ABS) has been identified for Vegetable Cultivation with Mandap structure and dairy activity. Besides this, dairy activity is also identified under this scheme. These activities are identified taking into account local conditions and such activities can be taken up by farmers with the help of bank loan. The detailed projections are given in Chapter 12. F. Conclusion: The major driver of private sector capital formation is investment credit. Immediate thrust is required to raise its share in the total agriculture credit. The document, has therefore, been prepared with emphasis on accelerating the pace of capital formation in agriculture and allied sectors. This goal can be achieved with the coordinated efforts of all the stakeholders. 3

4 Broad Sectorwise PLP Projections (Rs. lakh) Sr. No. Particulars PLP Projections A Farm Credit i Crop Production, Maintenance and Marketing ii Term Loan for agriculture and allied activities Sub Total B Agriculture Infrastructure C Ancillary activities I Credit Potential for Agriculture (A+B+C) II Micro, Small and Medium Enterprises III Export Credit IV Education V Housing VI Renewable Energy 6.16 VII Others VIII Social Infrastructure involving bank credit Total Priority Sector (I to VIII)

5 Summary of Sector / Sub-sector wise PLP projections (Rs. lakh) Sr.No. Particulars PLP Projections I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing ii Water Resources iii Farm Mechanisation iv Plantation and Horticulture (including sericulture) v Forestry and Waste Land Development vi Animal Husbandry Dairy vii Animal Husbandry Poultry viii Animal Husbandry Sheep, Goat, Piggery, etc ix Fisheries (Marine, Inland, Brackish water) x Others Bullock, Bullock cart, etc Sub Total Total B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, Godowns, Silos, Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed development iii Others (Tissue culture, Agri bio-technology, Seed production, Bio 9.28 pesticides/ fertilizers, Vermin composting) Sub Total C Ancillary activities i Food and Agro processing ii Others ( to Cooperative Societies of farmers for disposing 1.44 of their produce, Agri Clinics/ Agri Business Centres, to PACS / FSS/ LAMPS, to MFIs for on lending) Sub Total Total Agriculture II Micro, Small and Medium Enterprises i MSME Investment Credit ii MSME Working Capital Total MSME III Export Credit IV Education V Housing VI Renewable Energy 6.16 VII Others ( to SHGs/ JLGs, loans to distressed persons to prepay non-institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) VIII Social Infrastructure involving bank credit Total Priority Sector

6 Map of UT of Dadra and Nagar Haveli 6

7 District Profile Dadra & Nagar Haveli was born on 17 th December, 1779 as a result of a treaty between Portuguese and Marathas. The Marathas assigned 72 villages to Portuguese in return of their friendship and these villages came to be known as Dadra and Nagar Haveli. The Portuguese ruled this Territory till its liberation on 2 nd August It was merged with Indian Union on 11 August This UT of Dadra & Nagar Haveli is headed by an Administrator. Its capital is Silvassa. Major food / commercial and plantation / horticulture crops: The main food crops cultivated in this area are paddy, ragi, small millets, jowar, sugarcanes, tur, nagli and val. Vegetables like tomato, cauliflower, cabbage and brinjal are also grown. Generally paddy is cultivated by farmers for consumption need. Horticulture crops like mango, sapota, guava, papaya, banana, etc. are grown on a small scale. Even though the potential for cultivation of vegetables and fruits is very good due to good climatic conditions, there is not much growth in this sector because of rapid industrialisation. Special/additional/other features of the district relevant to credit estimates of updated year: There are 4 industrial estates in. There are more than 5000 industrial units functioning in UT, including Large, Medium and Small Scale Industries, providing employment to about people with a capital investment of about Rs crore. This has also given boost to Other Priority Sectors like retail trade, transport operators, housing sector etc. NABARD s interventions in the district: NABARD implemented Wadi Project for Tribal people in which was implemented through Dhruva-BAIF. Under this project 809 wadis of mango and chashew are established. Besides this forestry plants were also given to these farmers. This has increased their income as they don t have to depend only on their traditional crop production like paddy and ragi. It has made a visible impact and stands out as a demonstrative and sustainable model. The Union Territory of Dadra and Nagar Haveli has been identified as one of the 150 backward districts of the country for implementing the scheme for promotion and financing Women Self Help Groups (WSHGs) in association with Government of India. The important features are highlighted in the following table of District Profile. The objective of the scheme is to saturate the district with viable and self-sustainable WSHGs by involving anchor NGOs/support agencies who shall promote and facilitate credit linkage of these groups with banks. The important features are highlighted in the following table of District Profile. 7

8 District - Silvasa State - UT of D&NH Division - 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) No. of Sub Divisions No. of Blocks No. of Villages (Inhabited) 72 Soil Type No. of Panchayats 11 Clay loam 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported Forest Land Area Not Available for Cultivation Cultivable Wasteland Rainfall [in mm] Normal Actual Permanent Pasture and Grazing Land Availability of Ground Water [Ham] Net annual recharge Net annual draft Land under Miscellaneous Tree Crops Other Fallow Nos. % to Total Ha. % to Total Net Sown Area <= 1 Ha Total or Gross Cropped Area >1 to <=2 Ha Area Cultivated More than Once >2 Ha Cropping Inensity [GCA/NSA] 1 Total WORKERS PROFILE 7. DEMOGRAPHIC PROFILE Cultivators Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers Population Agricultural Labourers Scheduled Caste Workers engaged in Household Industries 2195 Scheduled Tribe Workers engaged in Allied Agro-activities Literate (%) Other workers BPL Total Households Having brick/stone/concrete houses Having electricity supply Rural Households Having source of drinking water Having independent toilets BPL Households Having access to banking services Having radio/tv sets VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 72 Anganwadis 268 Dispensaries 2 Villages having Agriculture Power Supply Primary Health Centres 7 Hospitals 1 Villages having Post Offices 49 Primary Health Sub-Centres 50 Hospital Beds 382 Villages having Banking Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having middle, secondaryschools 398 Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos] Villages having Primary Health Centres 7 Total N/P/K Consumption [MT] 1266 Pumpsets Energised [Nos] Villages having Potable Water Supply 72 Certified Seeds Supplied [MT] Agro Service Centres [Nos] Villages connected with Paved Approach Roads 70 Pesticides Consumed [kgs] 4776 Soil Testing Centres [Nos] Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] Farmers' Clubs [Nos] Irrigation Potential Created Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos] Net Irrigated Area(Total area irrigated at least once) 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Checkdams and other rivulets Area irrigated by Wells Rural/Urban Mandi/Haat [Nos] Length of Pucca Road [Km] Wholesale Market [Nos] 787 Godown [Nos] Area irrigated by Tubewells Length of Railway Line [Km] Godown Capacity[MT] Area irrigated by Other Sources Public Transport Vehicle [Nos] Cold Storage [Nos] Irrigation Potential Utilized (Gross Irrigated Area) 7508 Goods Transport Vehicle [Nos] Cold Store Capacity[MT] 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Crop Avg. Yield Food (Rice/Flour/Dal/Oil/Tea/Coffee) Area (Ha) Prod. (Tonnes) Area (Ha) Prod. (Tonnes) Sugarcane (Gur/Khandsari/Sugar) Cereal Fruit (Pulp/Juice/Fruit drink) Pulses Spices (Masala Powders/Pastes) Food grains Dry-fruit (Cashew/Almond/Raisins) Sugarcane Cotton (Ginnining/Spinning/Weaving) Oil seeds Milk (Chilling/Cooling/Processing) Meat (Chicken/Motton/Pork/Dryfish) 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] Plantation nurseries [Nos] Animal feed (Cattle/Poultry/Fishmeal) 8. HOUSEHOLDS [in no.] 9. HOUSEHOLD AMENITIES 17. ANIMAL POPULATION AS PER CENSUS 2007 [in no.] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 1 Animal Markets [Nos] Nil Cattle - Cross bred Disease Diagnostic Centres [Nos] 1 Milk Collection Centres [Nos] 29 Cattle - Indigenous Artificial Insemination Centers [Nos] 1 Fishermen Societies [Nos] 0 Buffaloes Animal Breeding Farms [Nos] 1 Fish seed farms [Nos] 0 Sheep - Cross bred First Aid Veterinary Centres (FAVC) 9 Fish Markets [Nos] 2 Sheep - Indigenous Dairy Cooperative Societies [Nos] 29 Poultry hatcheries [Nos] 0 Goat Improved Fodder Farms [Nos] 1 Slaughter houses [Nos] 0 Pig - Cross bred MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous Fish Production [Tonnes] Per cap avail. [gm/day] Horse/Donkey/Camel/Rabbits Egg Production [Lakh Nos] 5.43 Per cap avail. [nos/p.a.] Poultry - Cross bred Milk Production [Lakh Ltrs] Per cap avail. [gm/day] Poultry - Indigenous Meat Production [MT] Per cap avail. [gm/day] Source : Statistical Diary, , DDA, Silvassa, AH Deptt., Silvassa Agro-climatic Zone Climate District Profile Variation from Normal 5. DISTRIBUTION OF LAND HOLDING Current Fallow Classification of Holding Holding Area Moderate Balance 9 8

9 Banking Profile as on 31 March 2015 Union Territory of Dadra & Nagar Haveli Lead Bank - Dena Bank 1. NETWORK & OUTREACH Agency No. of No. of Branches No. of non-formal agencies assoiated Per Branch Outreach Banks/Soc. Total Rural Semi-urban Urban mfis/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Banks District Central Coop Bank Coop. Agr. & Rural Dev. Bank Primary Agr. Coop. Society Private Sect. 12 All Agencies DEPOSITS OUTSTANDING Agency No. of accounts Amount of Deposit [Rs.'000] 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA NA NA NA NA NA NA NA Cooperative Banks NA NA NA NA NA All Agencies NA NA NA NA NA LOANS & ADVANCES OUTSTANDING Agency No. of accounts Amount of Loan [Rs.'000] 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA NA NA NA NA NA NA NA Cooperative Banks NA NA NA NA NA All Agencies NA NA NA NA NA CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) Agency CD Ratio Agency During Cumulative 31-Mar Mar Mar-15 Deposit Credit Deposit Credit Commercial Banks Commercial Banks Cooperative Banks Cooperative Banks NA NA NA NA All Agencies All Agencies PERFORMANCE TO FULFILL NATIONAL GOALS as on 31 March 2015 (Rs in '000) Agency Priority Sector to Agr. Sector to Weaker Sections under DRI Scheme to Women Amount % of Total Amount % of Total Amount % of Total Amount % of Total Amount % of Total Commercial Banks Cooperative Banks All Agencies AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS (Rs. in '000) Agency Average Target Ach'ment Ach'ment [%] Target Ach'ment Ach'ment [%] Target Ach'ment Ach'ment [%] Ach[%] in last 3 years Commercial Banks Cooperative Banks All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS (Rs. in '000) Broad Sector Average Target Ach'ment Ach'ment [%] Target Ach'ment Ach'ment [%] Target Ach'ment Ach'ment [%] Ach[%] in last 3 years Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total RECOVERY POSITION (Rs. in '000) Agency Avg. Rec. [%] Demand Recovery Recovery [%] Demand Recovery Recovery [%] Demand Recovery Recovery [%] in last 3 years Commercial Banks NA NA NA NA NA NA NA NA NA NA 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 Source : Lead Bank 10