EXECUTIVE SUMMARY. General

Transcription

1 EXECUTIVE SUMMARY General BARD has been preparing Potential Linked Credit Plan (PLP) for the district annually which forms the basis of the Annual Credit Plan for the banks operating in the district. The Potential Linked Credit Plan (PLP) of the district assesses in financial terms, taking into account the present and emerging potentials for various activities in Priority Sector, infrastructure facilities and other support services existing/ planned, both by Government and Non-Government agencies. Developments in the area of Credit Planning PLP is a comprehensive documentation of the potential of economic activities in the district. It gives block-wise physical and financial estimates for the economic activities which can be taken up for development. The estimates are worked out for the total financial outlays and net bank credit. The exercise is based on the data about the resources endowments, ongoing Government schemes and the financial support from the banks for the identified activities. Along with the estimated potential and credit required for achieving the potential, the infrastructure available and gaps in infrastructure hampering utilisation of the potentials are also assessed to make it a holistic document. As per the instructions issued by Reserve Bank of India, the Annual Credit Plans (ACP) will be based on the PLP prepared by BARD. RBI vide its Circular No RPCD CO LBS BC No 12/ / dated 11 May 2013 extended Lead Bank Scheme to with Bank of India as Lead Bank of the district. Accordingly, both Bank of India and BARD has also posted a District Development Manager (R) for the Mumbai Suburban from and started the process of preparing PLP for the District from the year Since, there is no scope for agriculture and allied activity in the scope of PLP is limited to Planning, Reviewing and Monitoring of Fishery, MSME, and Housing, Education and other Priority Sector. As per latest RBI guidelines on priority sector, Export Credit and Social Infrastructure is also included in PLP. This PLP is prepared on the basis of Achievements of ACP and estimated ACP for District Profile: Mumbai Suburban district is declared independent district w.e.f. 1 October 1990 as a consequent of the bifurcation of the Grater Mumbai into two revenue district namely Mumbai City and Mumbai Suburban. The district is spread over from Bandra to Dahisar, from Kurla (Chuna bhatti) to Mulund and from Kurla to Mankhurd /Trombay Creek including 87 villages in three talukas /blocks i.e. Bandra, Andheri and Borivali. The district is having sqkm total geographical area, of which sqkm is covered under forests. Mumbai is known as the Financial Capital of India and the predominant economic activities prevalent in the district are Service, Corporate Offices, Banking, Industries, Tourism, Hotels and Restaurants, Production of salt and Marine Fisheries etc. No crop cultivation is being undertaken in the district, however, the District is huge market for agriculture produce as well of Horticulture Crops. 1

2 Potential for bank credit An aggregate potential of ` lakh has been projected for Mumbai Suburban district for the year , registering a growth of 60% over that of the previous year. The growth of 60% is mainly due to inclusion of Export Credit in Priority Sector by RBI. Financing of MSMEs, housing and Exports Credit are the main sectors identified in the PLP. Banking Sector is well banked with branches of Commercial Banks, Private Sector Bank, Foreign Banks, State Coop Bank, Mumbai DCCB and Urban Coop Banks. Almost all CBs have their Head Offices in Mumbai. All branches are in Metro Area and cater to needs of urban population and Micro, Small, Medium and Large Industries, business, etc. Potential under Major Sectors: Fisheries Fishery activities are prominent in Koliwadas at Marve, Oshiwara, Borivali and other coastal areas. BARD has financed fish jetties under RIDF and mechanized and nonmechanized fisheries vessels can be financed in these areas after proper survey. Cold Storages, Refrigerated Vans, Ice Depots, Specialized Transport Vehicles are required for development of this sector. The projection for fishery for the year is estimated at ` lakh. Micro Small Medium Enterprises (MSMEs) The MSMES sector is the main employment provider and important sector in Mumbai Suburban District. Empowered Committee on MSMEs of RBI has expressed concern over sick and migrated units of MSMEs. Directorate of Industries needs to prepare comprehensive data base, separately for Mumbai City District and Mumbai Suburb Districts. As the Lead Bank Scheme has been recently extended to this District, there is need to improve reporting system by banks about this sector. The projections for the year are estimated at ` lakh. Export Credit As per revised Priority Sector guidelines of Reserve Bank of India, Export Credit has been included in Priority Sector lending. Almost all major banks have their corporate branches in Mumbai, which caters to needs of export credit. Since, Mumbai is major hub and port, majority of commerce in diamonds, gold ornaments, drugs / chemicals, clothes, garments, auto-components, raw steel, agri produce engineering goods etc. take place. Export Credit Guarantee Corporation of India is providing guarantee to banks for export credit. The Mumbai Branch of ECGC has collected insurance premium to the 2

3 tune of `225 crore as on 0.59% of credit extended by banks for export. Taking into consideration the premium collected from ECGC, opportunities and initiatives like Make in India, Skill India, etc., the export credit potential for all commodities together from Mumbai for the year is estimated at ` lakh. Education Mumbai being the financial capital provides lots of opportunities for education. It attracts students not only from India but from abroad also. Since, the district has a very high literacy rate and as there are abundant opportunities for acquiring higher/tech education, it provides good scope by education loans for banks. The potential for Education loan is estimated for the year at ` lakh. Housing The demand for housing is always on rise. With research and innovations in the sector, the rising demand can be met by re-development of old housing colonies, identifying vacant land for construction, redevelopment of slums, etc. Taking into account the status of infrastructure available for the development of the sector, the goals set under various schemes of the Government and the past trend in flow of ground level credit for this sector, the physical and financial projections assessed for the year is ` lakh. Renewable Energy Due to increasing population of the city, demand for energy is always on the rise. There is scope for tapping renewable energy like solar, energy from waste material, etc. The roop tops of housing societies in the city provide scope for installation of solar photovoltaic panals for electricity generation and solar water heaters for domestic consumptions, BMCC is responsible for collection of garbage (about 600 MT per day) and can set up projects for energy generation from it. Taking into consideration forgoing, the potential is worked out at ` lakh xxxxxxoooxxxxxx 3

4 Appendix A to Annexure 1 BROAD SECTOR-WISE PLP PROJECTIONS ( ) ` lakh Sr. No Particulars PLP Projections A Farm Credit i) Crop Production, Maintenance and Marketing 0.00 ii) Term Loan for agriculture and allied activities (fishery) Sub Total B Agriculture Infrastructure 0.00 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)

5 Appendix B to Annexure 1 Summary of Sector / Sub-sector wise PLP projections (` lakh) Sr. No. Particulars PLP I A Credit Potential for Agriculture Farm Credit Projections i Crop Production, Maintenance and Marketing 0.00 ii Water Resources 0.00 iii Farm Mechanisation 0.00 iv Plantation and Horticulture (including sericulture) 0.00 v Forestry and Waste Land Development 0.00 vi Animal Husbandry Dairy 0.00 vii Animal Husbandry Poultry 0.00 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 (Warehouses, Market yards, Godowns, Silos, 0.00 Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed development 0.00 iii Others (Tissue culture, Agri bio-technology, Seed production, Bio pesticides/ 0.00 fertilizers, Vermin composting) Sub Total 0.00 C Ancillary activities i Food and Agro processing ii II Others ( to Cooperative Societies of farmers for disposing of their 0.00 produce, Agri Clinics/ Agri Business Centres, to PACS / FSS/ LAMPS, to MFIs for on lending) 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 VII Others ( to SHGs/ JLGs, loans to distressed persons to prepay noninstitutional lenders, PMJDY VIII Social Infrastructure involving bank credit Total Priority Sector

6 6 PLP

7 District - Mumbai Suburban State - Maharashtra Division - Konkan No. of Blocks 3 Climate Warm and Humid 446 No. of Villages (Inhabited) 87 Soil Type Sandy and Red Loamy, Coastal Alluvium, Laterite No. of Panchayats 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER 446 SQKM Normal Actual SQKM Rainfall [in mm] Variation from Normal Permanent Pasture and Grazing Land Availability of Ground Net annual recharge Net annual draft Land under Miscellaneous Tree Crops Water [Ham] Cultivable Wasteland 5. DISTRIBUTION OF LAND HOLDING Balance Holding Area Classification of Holding Nos. Ha. <= 1 Ha >1 to <=2 Ha >2 Ha Cropping Intensity [GCA/NSA] Total 6. WORKERS PROFILE [in 7. DEMOGRAPHIC PROFILE [in Category Total Male Female Rural Urban Population Scheduled Caste 3.2 Scheduled Tribe Workers engaged in Allied Agro-activities Literate (%) BPL 8. HOUSEHOLDS [in 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households Having brick/stone/concrete houses Having electricity supply Rural Households Having source of drinking water Having independent toilets 52.9% of total HH BPL Households Having access to banking services Having radio/tv sets 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 87 Anganwadis Dispensaries 357 Villages having Agriculture Power Supply 87 Primary Health Centres Hospitals 1155 Villages having Post Offices 87 Primary Health Sub-Centres Hospital Beds Villages having Banking Facilities INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 87 Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos] Villages having Primary Health Centres Total N/P/K Consumption [MT] Pumpsets Energised [Nos] Villages having Potable Water Supply 87 Certified Seeds Supplied [MT] Agro Service Centres [Nos] Villages connected with Paved Approach Roads 87 Pesticides Consumed [MT] Soil Testing Centres [Nos] 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] Plantation nurseries [Nos] Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] Farmers' Clubs [Nos] Krishi Vigyan Irrigation Potential Created Threshers/Cutters [Nos] Kendras[Nos] Net Irrigated Area(Total area irrigated at least once) 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels Rural/Urban Mandi/Haat [Nos] Wholesale Market [Nos] 8 Area irrigated by Wells Length of Pucca Road [Km] 49 Godown [Nos] 13 Area irrigated by Tanks Length of Railway Line [Km] Godown Capacity[MT] 8724 Area irrigated by Other Sources Public Transport Vehicle [Nos] Cold Storage [Nos] Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] Cold Store Capacity[MT] 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS No of units Cap.[MT] Avg. Yield Crop 525 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Nil Nil Paddy Nagli Other cereals Pulses 835 Oilseeds 7 Vegetables 40 Animal feed (Cattle/Poultry/Fishmeal) ANIMAL POPULATION AS PER CENSUS 2007 [in 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] Animal Markets [Nos] 2 Cattle - Cross bred Disease Diagnostic Centres [Nos] Milk Collection Centres [Nos] Cattle - Indigenous 1611 Artificial Insemination Centers [Nos] Fishermen Societies [Nos] 126 Buffaloes Animal Breeding Farms [Nos] Fish seed farms [Nos] 5 Sheep - Cross bred Animal Husbandry Tng Centres [Nos] Fish Markets [Nos] Sheep - Indigenous 133 Dairy Cooperative Societies [Nos] Poultry hatcheries [Nos] Goat 5022 Improved Fodder Farms [Nos] Slaughter houses [Nos] 7 Pig - Cross bred MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous Fish Horse/Donkey/Camel 210 Egg Poultry - Cross bred Milk District Profile 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) No. of Sub Divisions Total Area Reported Forest Land Area Not Available for Cultivation Current Fallow Other Fallow Net Sown Area Total or Gross Cropped Area Area Cultivated More than Once Cultivators Of the above, Small/Marginal Farmers Agricultural Labourers Workers engaged in Household Industries Other workers Type of Processing Activity Food (Rice/Flour/Dal/Oil/Tea/Coffee) Sugarcane (Gur/Khandsari/Sugar) Fruit (Pulp/Juice/Fruit drink) Spices (Masala Powders/Pastes) Dry-fruit (Cashew/Almond/Raisins) Cotton (Ginnining/Spinning/Weaving) Milk (Chilling/Cooling/Processing) Meat (Chicken/Motton/Pork/Dryfish) Agro-climatic Zone Production [MT] Production [Lakh Nos] Production ['000 MT] (i) Western Plateau (ii) Hills Per cap avail. [gm/day] Per cap avail. [nos/p.a.] Per cap avail. [gm/day] Poultry - Indigenous Meat Production [MT] Per cap avail. [gm/day] Sources (if not mentioned against the respective item): Item Nos. 1, 6, 7, 9 & 10 - Census 2011; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item No. 8 - BPL Survey 2002; Item No District Ind Centre/Dir. of Eco. & Stat.; Item No DACNET; Item No AH Census 2007; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat. 7

8 District - Mumbai State - Maharashtra Lead Bank - Bank of India Total Rural Semi-urban Urban mfis/mfos 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 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-14 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies LOANS & ADVANCES OUTSTANDING 31-Mar Mar Mar-15 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks Regional Rural Bank - Cooperative Banks - Others All Agencies CD-RATIO 5. PERFORMANCE UNDER FINCIAL INCLUSION (No. of A/cs) CD Ratio During Cumulative 31-Mar Mar Mar-15 Deposit Credit Deposit Credit Commercial Banks Commercial Banks Regional Rural Bank Regional Rural Bank Cooperative Banks Cooperative Banks Others Others All Agencies All Agencies 6. PERFORMANCE TO FULFILL TIOL GOALS (As on 31/03/2015) Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies Broad Sector Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector No. of Banks/Soc. Banking Profile 1. NETWORK & OUTREACH (As on 31/03/2015) No. of Branches No. of non-formal agencies associated Per Branch Outreach No. of accounts No. of accounts of Deposit of Loan [`. Priority Sector to Agr. Sector to Weaker Sections under DRI Scheme to Women Demand [` 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS [` Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies Average [` 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS [` [` Ach in last 3 years Average [` 9. RECOVERY POSITION [` Ach in last 3 years Average Recovery [` Recovery Demand [` Recovery [` Recovery Demand [` Recovery [` Recovery Rec. in last 3 years Sources : Lead Bank & SLBC 9