PLP ARAVALLI DISTRICT. A. Introduction

Transcription

1 A. Introduction EXECUTIVE SUMMARY Aravalli is primarily an agricultural district with Cotton and wheat as the predominant crops. The other major crops cultivated are oilseeds, maize, potato etc. The small and marginal farmers are in the district constituting 66% of the total farmers population. 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 major share of % at Rs lakh. Term loan under agriculture is assessed at Rs lakh accounting for about %. Under MSME, Rs lakh has been assessed as potential forming 2.24 % and balance 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 %. Further, the PLP projection is higher by Rs lakh when compared to the ACP target for the year 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 Adoption of advanced technologies for the restoration of soil health, mechanisation, and cultivation of suitable remunerative crops, effective pest and disease management are essential to step up the agricultural production. Modern methods of cultivation like Fertigation for sugarcane, Precision farming for Vegetables, Sprinkler irrigation for pulses etc. need to be adopted for increasing production and productivity. Banks may adopt Rupay KCC as an effective credit delivery mechanism and educate the farmers to subscribe to crop insurance schemes. 2. Water Resources and Land Development As monsoon continues to be erratic, need for greater focus lies in water resource management. Farmers need to be incentivized to save water by adopting suitable cropping pattern on their farms. There is a need for conserving soil moisture security so that more crop per drop can be achieved. 3. Farm Mechanisation Shortage of labour is a serious threat affecting the development of agriculture in the district. Enhanced credit flow for farm mechanisation should be ensured. Banks may increasingly adopt the strategy of JLG financing to enable SF/MF to purchase farm machineries and equipment. 4. Animal husbandry 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. C. Highlights of Developments, initiatives taken, achievements, specific prescriptions etc. NABARD s initiative on Natural Resources Management with focus on Tribal development in the district are (1). four watershed projects are under implementation covering about ha. area with total Financial outlays of Rs lakhs. (2). WADI model is holistic in approach, addressing production, processing and marketing of produce and other livelihood needs

2 wadis each of one acre is also under implementation in Bhiloda and Vijaynagar tribal area of the district through grant support under Tribal Development Fund of NABARD.(3). Grant support to DCCB and RRB for Rupay card, ATM, Micro ATM and Financial Literacy Centers also provided by NABARD. (4) Under NABARD RIDF, Rural Road Projects new rural approach roads and C.D. works covering kms. with total expenditure of Rs lakh has been sanctioned in the District so far. Further RIDF assistance also provided for Anganwadi, PHC, CHC, Irrigation Projects, Check dams and Rurban Drainage line projects. Rs. 423 crores provided for joining Vatrak, Mazum and Meshvo with Narmada through pipe line. Under RIDF XX ( ) NABARD had sanctioned an assistance of Rs lakh for construction of irrigation structures in tribal belt stretching from Ambaji to Umargam covering 14 districts including Aravalli. (5). For Formation and registration of Farmers Producer Organisations NABARD has sanctioned three projects each with grant support of Rs. 10 Lakhs in the district.(6). To ensure effective price protection to the farmer, National Agricultural Market being proposed can be a solution backed by adequate storage facilities. So far NABARD has sanctioned 451 Rural Godowns in the district and further 66 PACS godowns are under construction with the help of subsidy scheme of Government of Gujarat in the district.(7). To give thrust to the identified sector/activity 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. (8). 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. D. Thrust areas for The PLP document besides discussing the development initiatives taken by the Government of Gujarat in the fields of agriculture, horticulture, infrastructure focused emphasis on the following areas and called for collective participation of all stakeholders in the district to firm up the credit plan and to work towards achievement of targets for the year Promotion of Joint Liability Groups and ensuring credit linkage Coverage of all eligible farmers under KCC and every household with Active Bank Account with minimum credit. Capacity building of SHGs (Sakhimandals) and upscaling of SHG linkage. Ensuring capital formation in agriculture by financing potential sectors mainly Farm Mechanization, Rural godowns, Dairy and Food and Agro processing. E. Conclusion There can be little disagreement that the fastest relief to the poor in India would come from productivity growth in agriculture. This is where nearly half of the workforce is employed. With the share of agriculture in the GDP at about 15 percent now, this half of the workforce is also significantly poorer than the other half, employed in industry and services. Shri Arvind Panagariya, Vice Chairman, NITI Aayog Let the above quote be the guiding factor for implementation of PLP projections

3 Aravalli District Broad Sector wise PLP Projections (.lakhs) 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 VII Others VIII Social Infrastructure involving bank credit Total Priority Sector (I to VIII)

4 ARAVALLI District Summary of Sector / Sub-sector wise PLP projections (.lakhs) Sr. No. I Credit Potential for Agriculture Particulars PLP Projections II A B C 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 Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, Godowns, Silos, Cold storage units/ Cold storage chains) Sub Total ii Land development, Soil conservation, Watershed development iii Others (Tissue culture, Agri bio-technology, Seed production, Bio pesticides/ fertilizers, Vermin composting) Ancillary activities Sub Total i Food and Agro processing ii Others (Loans to Cooperative Societies of farmers for disposing of their produce, Agri Clinics/ Agri Business Centres, Loans to PACS / FSS/ LAMPS, Loans to MFIs for on lending) Sub Total Total Agriculture Micro, Small and Medium Enterprises i MSME Investment Credit ii MSME Working Capital Total MSME III Export Credit IV Education V Housing VI Renewable Energy VII Others (Loans 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

5 District Profile (I). Predominant economic activities of the district: (a) Agriculture (b) Dairy (c) Mineral wealth (II). Major food / commercial and plantation / horticulture crops Kharif: Cotton, Maize, Groundnut, Pulses and vegetables Rabi: Wheat, Mustard, Garlic, Ginger, Cumin and vegetables (III). Special/additional/other features of the district relevant to credit a).dairy / milk production is the second main economic activity in the district. b).the agro based activities like rice/ pulse Mills and other agro - processing activities Grading, sorting and packaging have developed well in the district. (IV).Other factors affecting the district rural economy and development of various sectors, are flood, drought, pest attack, hailstorms, etc. (VI).Issue Critical to district: a). Low Availability of ground Water in the district and its quality is a matter of concern. Suitable steps for drinking water are required in critical blocks like Modasa and Meghraj. b). There is a menace of wild animals such as wild pig, Blue Bell etc. and it is a danger for seeds planted as also to growing crop in the district. Community based "farm fencing"/ protection wall for entire farm area of community with nearby forest/ riverbanks is very cost effective and may be considered as essential requirement for Agriculture Development. VII). Level of Poverty: As per 2011 census, there is rural house hold and urban house hold with total house hold in Aravalli district. BPL family in the district having 0 to 16 score is and having 17 to 20 score is 54038, thus family below poverty line is 34.84% in the district. District Profile - Aravalli District - Aravalli State - Gujarat Division North Gujarat - PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Sabarkantha & Aravalli Aravalli Total Geographical Area (Sq.km) 3232 Agro-climatic 13 Sub Region North of Gujarat Zone No. of Sub Divisions -- No. of Blocks 6 Climate Hot No. of Villages (Inhabited) 672 Soil Type Hard rock, formation sand stone and alluvial No. of Panchayats LAND UTILISATION [Ha] Aravalli 4. RAINFALL Aravalli & GROUND WATER SK & Aravalli Total Area Reported (ha.) Rainfall [in mm] Normal Actual Forest Land Area Not Available for Cultivation Variation from Normal (-) 11 5

6 Permanent Pasture and Grazing Land Availability of Net annual recharge Net annual draft Balance Ground Water [Ham] Land under Miscellaneous Tree Crops NA Cultivable Wasteland NA 5. DISTRIBUTION OF LAND HOLDING -Aravalli Current Fallow Classification of Holding Holding Area Other Fallow NA 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 Intensity [GCA/NSA] 116 Total WORKERS PROFILE [in '000] Aravalli 7. DEMOGRAPHIC PROFILE [in '000] -Aravalli Cultivators 102 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 68 Population Agricultural Laborers 67 Scheduled Caste Workers engaged in Household Industries 3 Scheduled Tribe Workers engaged in Allied Agro-activities 70 Literate Other workers 108 BPL (Families) HOUSEHOLDS [in '000] Aravalli 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Sk & Aravalli Total Households 275 Having brick/stone/concrete 371 Having electricity supply 400 houses Rural Households 226 Having source of drinking 356 Having independent 115 water toilets BPL Households in Aravalli 96 Having access to banking services Having radio/tv sets VILLAGE-LEVEL INFRASTRUCTURE [No] SK & 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [No] Sk & Aravalli Aravalli Villages Electrified 1372 Anganwadis 3205 Dispensaries - Villages having Agriculture Power Supply 1372 Primary Health Centers 65 Hospitals 22 Villages having Post Offices 510 Primary Health Sub-Centers 10 Hospital Beds 930 Villages having Banking Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Sk & Aravalli Villages having Primary Schools 1360 Fertiliser/Seed/Pesticide 2503 Agriculture Pump Outlets [No] sets[no] Villages having Primary Health Centers 492 Total N/P/K Consumption 1021 Pump sets Energised [No] [MT] Villages having Potable Water Supply 1372 Certified Seeds Supplied [MT] 298 Agro Service Centers [No] 45 Villages connected with Paved Approach Roads 1356 Pesticides Consumed [MT] Soil Testing Centers [No] IRRIGATION COVERAGE [Ha] Sk & Aravalli Agriculture Tractors [No] Plantation nurseries [No] 265 Total Area Available for Irrigation (NIA Power Tillers [No] Farmers' Clubs [No] 451 Fallow) Irrigation Potential Created Threshers/Cutters [No] 2390 KVKs [No] 1 Net Irrigated Area(Total area irrigated at least once) 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING SK & Aravalli Area irrigated by Canals / Channels Rural/Urban Mandi/Haat [No] 13 Wholesale Market [No] 8 Area irrigated by Wells Length of Pucca Road [Km] 4397 Warehouse Godown [No] 322 Area irrigated by Tanks 600 Length of Railway Line [Km] 186 Godown Capacity[MT] Area irrigated by Other Sources 1200 Public Transport Vehicle [No] Cold Storage [No] 30 Irrigation Potential Utilized (Gross Irrigated Area) 40.75% Goods Transport Vehicle [No] Cold Store Capacity[MT] AGRO-PROCESSING UNITS SK & Aravalli 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS SK & Aravalli Type of Processing Activity No of units Cap.[MT] Crop Avg. Yield [Kg/Ha] Food (Rice/Flour/Dal/Oil) 35 1/-/4/6/-/- Area in '00' Product Area in '00' Production Yield(Kg/Ha Ha ion '00' Ha in '00' MT ) MT Sugarcane (Gur/Khandsari/Sugar) - - Cotton Fruit (Pulp/Juice/Fruit drink) 1 Bajara Spices (Masala Powders/Pastes) NA NA Wheat Dry-fruit (Cashew/Almond) - NA Maize Cotton (Ginning/Spinning) Potato Milk (Chilling/Cooling/Processing) pulses Meat (Chicken/Mutton) Fennel Animal feed (Cattle/Poultry) Production of Cotton(lint), Jute, Mesta etc. are in Bales(177.8 kg per bale in India) 6

7 17. ANIMAL POPULATION AS PER CENSUS 2012[in Nos.] SK & Aravalli 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES SK & Aravalli Category of animal Total Male Female Vet. Hospitals/Dispensaries [No] 87 Animal Markets [No] Nil Cattle - Cross bred Disease Diagnostic Centers 37 Milk Collection Centers [No] [No] Cattle - Indigenous Artificial Insemination 432 Fishermen Societies [No] Centers [No] Buffaloes Dairy Cooperative Societies 1874 Poultry hatcheries [No] [No] Sheep - Indigenous Improved Fodder Farms [No] nil Slaughter houses [No] nil Goat 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY SK & Aravalli Pig - Indigenous Fish Production [MT] 786 Per cap avail. [gm/day] Horse/Donkey/Came 556/3159/1635 (No.) Egg Production [lakh No] 135 Per cap avail. [No/p.a.] 0.03 l Poultry - Indigenous Milk Production ['000 MT] 914 Per cap avail. [gm/day] 106 Data Source : District Statistical Department, Agri Department & Statistical Report 7

8 Banking Profile District - Aravalli State - Gujarat Lead Bank - Dena Bank 1. NETWORK & OUTREACH (As on 31/03/2015) Agency No. of Banks/Soc. No. of Branches No. of non-formal agencies associated Per Branch Outreach Total Rural Semi-urban Urban mfis/mf Os SHGs/JLGs BCs/BFs Villages Households Commercial Banks Regional Rural Bank District Central Coop. Bank Coop. Agr. & Rural Dev. Bank Primary Agr. Coop. Society Others All Agencies DEPOSITS OUTSTANDING Agency No. of accounts Amount of Deposit '31-Mar-13 '31-Mar-14 '31-Mar-15 Growth (%) Share(%) '31-Mar- '31-Mar-14 '31-Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA NA NA Regional Rural Bank (-) Cooperative Banks Others NA NA NA NA NA (-) All Agencies NA NA NA NA NA LOANS & ADVANCES OUTSTANDING Agency No. of accounts Amount of Loan '31-Mar-13 '31-Mar-14 '31-Mar-15 Growth(%) Share(%) '31-Mar-13 '31-Mar-14 '31-Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA NA NA Regional Rural Bank % NA Cooperative Banks NA NA NA NA NA Others NA NA NA NA NA All Agencies NA NA NA NA NA CD-RATIO 5. PERFORMANCE UNDER FIN. INCLUSION (No. of A/Cs) Agency CD Ratio Agency During Cumulative '31-Mar-13 '31-Mar-14 '31-Mar-14 Deposit Credit Deposit Credit Commercial Banks Commercial Banks NA NA Regional Rural Bank Regional Rural Bank NA NA Cooperative Banks Cooperative Banks NA NA NA NA Others Others NA NA NA NA All Agencies All Agencies NA NA 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) Agency Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Amount % of Total Loans Amount % of Total Loans Amount % of Total Loans Amount % of Total Loans Amount % of Total Loans Commercial Banks % % Regional Rural Bank % Cooperative Banks % Others % % All Agencies % % AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Agency ( Un Divided Sabarkantha ( Aravalli ) ( Aravalli ) Avg. Target Ach'ment [Rs. '000] Ach'ment Target Ach'ment [Rs. '000) Ach'ment Target Ach'ment [Rs. '000) Ach'ment Ach in last 3 years Commercial Banks Regional Rural Bank

9 Cooperative Banks Others All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Broad Sector ( Un Divided Sabarkantha) (Aravalli) (Aravalli) Average Ach in Target Ach'ment [Rs. Ach'ment Target Ach'ment Ach'ment Target Ach'ment Ach'ment last 3 years '000] [Rs. '000] [Rs. '000] Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector RECOVERY POSITION ( As on 30 June) Agency Average Commercial Banks Demand [Rs. '000] Recovery [Rs. '000] Recovery Demand [Rs. '000] Recovery [Rs. '000] Recover y Demand [Rs. '000] Recovery [Rs. '000] Recovery Rec. in last 3 years Regional Rural Bank Cooperative Banks Others All Agencies Information/ data given above for 2014 is pertains to newly carved Aravalli district & earlier figures are pertains to erstwhile Sabarkantha Sources : Lead Bank & SLBC 10