EXECUTIVE SUMMARY AGENCY Tar Ach % Tar Ach % Tar Ach % CB

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1 EXECUTIVE SUMMARY. Background Potential Linked Credit Plan (PLP) is a comprehensive document of the credit potentials of a district for rural economic activities, both in physical and financial terms. This document envisages the estimation of long-term credit potential of a district in each sector of agriculture and rural development with reference to the natural and human resource endowments. Theme of current PLP is Accelerating the pace of capital formation in agriculture and allied Sector. PLP focuses on analytical projections, both physical and financial, for the period 206-7, besides critical infrastructural areas and policy parameters requiring attention for the realization of the potential 2. District Geographical area of Gurgaon district is 254 sq km with a set up of sub-division, 04 blocks and 27 revenue villages. Economy of the district is a mix of agriculture and industries. In addition to agriculture non farm sector activities are developed and infrastructures also developed for industrial activities. There is a good banking net work in the district with 4 Commercial Bank (288 branches), Gurgaon Central Cooperative Bank Ltd (5 branches), Sarva Haryana Gramin Bank (5 branches) and Primary Agriculture and Rural Development Banks (03 branches) and 2 Primary Agriculture Cooperative Societies and 37 branches of Private Sector Banks.Department of Agriculture, Horticulture, Dairy, Poultry, Animal Husbandry, Fisheries are providing extension service to the farme` 3. Flow of Ground Level Credit- The flow of GLC in the district during last 3 years was as given below:- (` Lakh) AGENCY Tar Ach % Tar Ach % Tar Ach % CB RRB DCCB PCARDB Private banks Total Major infrastructure needs of the district. The district has been developing both economically and socially. But the district has to maintain its infrastructure and human resources. Scarcity of funds for re-carpeting of roads, running of soil/ water testing labs, leading to their deterioration and resulting in inefficiencies. There is a need for availability of continuous power for both agriculture & industries. There is need of infrastructure such as Primary Health centre, soil and water testing labs, seed depots, marketing centres, etc. The district requires infrastructure for rural drinking water and providing safe drinking water at village level. i

2 Artificial recharge of ground water is necessary on account of the steep decline in the ground water level. Infrastructure to tap renewable sources of energy, especially from agricultural waste, city waste and biomass, so as to supplement the worsening power position, is required. 5. Area Based Schemes A Chapter on Area Based Scheme on dairy has been included in the PLP as chapter 6 giving all details of the scheme and also the economics and banking plan of the Gurgaon district has been indicated which will facilitate the bankers and investors for financing the projects. 6. PLP Projections of Sector-wise Potentials- Based on various factors, like longterm potential, availability and identified gaps in infrastructure, marketing support, state / central Govt. policies, credit flow trends during recent years, credit absorption capacity and other strengths and weaknesses of the credit delivery systems, a plan of ` lakh for the year has been prepared. Major components are Total agriculture for ` Lakhs (Farm Credit - ` lakh, Agricilture Infrastructure ` 7.28 lakh, Aniciallry activites lakhs) MSME sector- ` lakh, Export Credit ` lakh, Education ` lakhs, Housing ` lakhs, Renewable Energy ` lakhs, Others ` 30 lakh. and social Infrastructure ` lakhs. BROAD SECTOR-WISE PLP PROJECTIONS ( ` in lakh) S.No. Sector PLP Projection Projection A i ii Farm Credit Crop Production, Maintenance and Marketing (Crop Loan) Term Investment for Agriculture and Allied Activities (Agri. Term Loan) Total (i+ii) B Agriculture Infrastructure 7.28 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 Reneawble Energy VII Others VIII Social Infrastrcuture involving Bank Credit Total Priority Sector (I to VIII) ii

3 Education 2% Export Credit 2% Crop Production, Maintenance and Marketing (Crop Housing Loan) 27% % Reneawble Energy 0% Micro, Small and Medium Enterprises 42% Others Crop Production, Maintenance and 0% Term Investment Marketing (Crop Loan) for Agriculture Term Investment for Agriculture and Allied and Allied Activities (Agri. Term Activities (Agri. Social Loan) Term Loan) Micro, Small and Medium Infrastrcuture 4% Enterprises involving Bank Credit Export Credit 2% Education Housing Reneawble Energy iii

4 District Profile Gurgaon district is situated in the National Capital Region of Delhi. The district derives its name from the name of Guru Dronacharya. The district lies between and latitude and and longitude It is at an altitude of between m above MSL. The area of the district is 254 Sq. Km which is 2.84 % of the area of the state while its population is 4.2 % of the State population. The population density is 207 persons per Sq. Km. The sex ratio in the district is 854 and the literacy rate is %. It is surrounded by Mewat district and State of Rajasthan in the south, Rewari in the west, Delhi in the east and north. The district has varied topography comprising of alleys, undulating and alluvial plains. It is a rolling plain dominated by the extentions of ranges of Aravalli hills and hillocks lying in the south-eastern and south-western parts of the district. The district has varied soil condition i.e. sandy-loam, loam and rocky surface and water is brackish. Climate and rainfall The climate is characterised by dryness and a hot summer of upto 46 0 C with loo (strong dry wind) and winter upto 4 0 C and period of July to mid September is the south west monsoon season. The cultivated area of the district is ha. The normal average rainfall is 570 mm. Predominant Activities Due to its proximity to the New Delhi airport, the district is fast emerging as an important commercial, industrial and information technology hub of the northern India. However due to increase in urbanization and setting up of many SEZs in the district, the agricultural land is shrinking. Agriculture occupies an important place in the district economy. Major food crops in the district are wheat, jowar, bajra, mustard, etc. The commercial plantation of Aonla, Guava and Ber are available in the district. The industrial activities include auto components, readymade garments, agro processing etc. Total registered industries in the district are 404 which is 4.57 % of the total industries in the State. The persons employed in the factories are 6940 which is % of the State As per 988 census total industries in the district is 39699, out of which 8664 are in rural area. Panchayati Raj Institutions Staus in the district Programmes implemented by panchayats -- The MNREGA is being implemented in the district. Under MNREGA families were issued job cards and ` 3963 lakh was spent in A toll free helpline, established by Ministry of Rural Development (GoI) enables MNREGA households and other to seek to raise their queries, submit their grievances, complaints and seek guidance/ assistance from the Ministry for protection of their entitlements under the Act and also for proper implementation of the schemes under the Act. Status of Panchayats -- There are 4 panchayat samiti that have 58 male members and 34 female members and 4 are from backward community, thus total panches are 96. Specific Action Plan/ Issues Adequate funds have been placed at the disposal of PRIs under various schemes. However, absence of any allocation of funds for monitoring of the activities of PRIs is affecting the effectiveness of PRIs. There is a need to provide computers to all the Gram Panchayats. There is a need to ensure logistics for effective utilization of resources by the PRI. One third of Gram Panchayats membership is reserved for women. Major Commodity Mustard The mustard crop is cultivated in abundance in the district. The crop can be grown in irrigated as well as unirrigated conditions. It is grown mainly for extracting mustard oil. It takes about 50 days for the crop to mature. It is sown between 25 September to 20 October in Rabi season. The total area cultivated under mustard, in the district is ha. The area under rainfed condition is 525 ha and area under irrigated condition is ha. About 50% of the farmers are cultivating this

5 crop due to good yield and the price it fetches in the market. The fertilizers used in the field for the crops are DAP 60kg, urea 75 kg per ha and the requirement of seed per ha is 5 Kg. HSDC and private dealers supply seed in the district while the fertilizers are marketed by HAFED, HAIC and private deale` The pesticides are also being marketed by the private dealer. The production during the year 200- was MT. There are small scale oil mills in villages catering to the needs, but the major portion is taken to oil mills in the adjoining districts for extraction. During the year the weather mainly remains dry with frequent duststorms. There are incidences of locust attacks that causes widespread damages to the standing crops. Future areas of collaboration with banks and developmental agencies are Village Development Plan and Quality input supply to farmers; Up scaling of micro credit programme; Propagating Renewable sources of energy and Capacity building of villager Sustained campaign against female foeticide; Rainwater harvesting and Awareness creation among farmers; Market outlet for rural poor and Creation of social infrastructure; Ensuring proper implementation of all the programmes/ activities affecting the life of people staying in villages. Financial Inclusion Plan Financial Inclusion Plan (FIP) is a structured and planned approach to financial inclusion and aims at beefing up financial architecture to strengthen infrastructural support and services at Financial Inclusion units and Business Correspondent (BC) outlets. Public and private sector banks were advised to submit board approved three year Financial Inclusion Plan (FIP) starting from April 200 for keeping self-set targets in respect of rural brick and mortar branches opened, BCs employed, coverage of un-banked villages with population above 2000 and as well as below 2000, BSBD accounts opened, KCCs, GCCs issued and othe` Honourable Prime Minister Launched Financial Inclusion programme as Sampoorn Vitteey Samaveshan (SVS) on 5 th August 204 wherein focus is on households with stress on the following: - Universal access to banking facilities - Financial Literacy Programme - Providing Basic Banking Accounts with overdraft facility and RuPay Debit card - Creation of Credit Guarantee Fund - Micro Insurance - Unorganized sector Pension schemes like Swavlamban Banking Profile Under the first phase of Financial Inclusion in Haryana,,838 villages with population of 2000 and above were covered by March 202. In the second phase 4,077 villages with population less than 2000 were allocated to various banks for preparing roadmap to cover the same by March

6 DISTRICT MAP 3

7 District - GURGAON District Profile State - HARYANA Division - GURGAON. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) No. of Sub Divisions No. of Blocks No. of Villages (Inhabited) No. of Panchayats Total Area Reported Forest Land Area Not Available for Cultivation Permanent Pasture and Grazing Land Land under Miscellaneous Tree Crops Cultivable Wasteland Current Fallow Other Fallow Net Sown Area Total or Gross Cropped Area Area Cultivated More than Once Cropping Inensity [GCA/NSA ] % Cultivators 254 Agro-climatic Zone 4 Climate -Sub tropical 27 Soil Type LAND UTILISATION [ha] 4. RAINFALL & GROUND WATER Rainfall [in mm] Normal Actual Variation from Normal (%) Availability of Ground Water Available ground water Net annual draft Balance [Ham] ha m DISTRIBUTION OF LAND HOLDING 500 Classification of Holding Holding Area Nos. % to Total ha % to Total <= ha > to <=2 ha >2 ha Total WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Of the above, Small/Marginal Farmers Agricultural Labourers Workers engaged in Household Industries Workers engaged in Allied Agro-activities Other workers Total Households Rural Households BPL Households Villages Electrified 67 Category Total Male Female Rural Urban 35 Population Scheduled Caste Scheduled Tribe NA NA NA NA NA NA Literate NA BPL HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] 326 Having brick/stone/concrete houses 32 Having electricity supply Having source of drinking water 32 Having independent toilets Having access to banking services 32 Having radio/tv sets VILLAGE-LEVEL INFRASTRUCTURE [Nos]. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages having Agriculture Power Supply Villages having Post Offices Villages having Banking Facilities Villages having Primary Schools Villages having Primary Health Centres Villages having Potable Water Supply Villages connected with Paved Approach Roads Area irrigated by Other Sources 27 Anganwadis 224 Dispensaries 5 27 Primary Health Centres 40 Hospitals Primary Health Sub-Centres 20 Hospital Beds INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE 250 Fertiliser/Seed/Pesticide Outlets [Nos] 200 Agriculture Pumpsets[Nos] Total N/P/K Consumption [MT] 3685 Pumpsets Energised [Nos] Certified Seeds Supplied [MT] 875 Agro Service Centres [Nos] 27 Pesticides Consumed [MT] 09 Soil Testing Centres [Nos] 3. IRRIGATION COVERAGE [ha] Agriculture Tractors [Nos] 2344 Plantation nurseries [Nos] 3 Total Area Available for Irrigation (NIA + Fallow) Irrigation Potential Created Net Irrigated Area(Total area irrigated at least once) Area irrigated by Canals / Channels Area irrigated by Wells Area irrigated by Tanks Irrigation Potential Utilized (Gross Irrigated Area) Power Tillers [Nos] 5 Farmers' Clubs [Nos] Threshers/Cutters [Nos] 600 Krishi Vigyan Kendras[Nos] 4. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING 4000 Rural/Urban Mandi/Haat [Nos] 6 Wholesale Market [Nos] Length of Pucca Road [Km] 702 Godown [Nos] 35 Length of Railway Line [Km] 55 Godown Capacity[MT] Public Transport Vehicle [Nos] 52 Cold Storage [Nos] Goods Transport Vehicle [Nos] 300 Cold Store Capacity[MT] 5. AGRO-PROCESSING UNITS 6. AREA, PRODUCTION & YIELD OF MAJOR CROPS Avg. Yield Type of Processing Activity No. Crop Yield(Kg/ha [Kg/Ha] Food (Rice/Flour/Dal/Oil/Tea/Coffee) 87 Area (ha) Prod. (MT) Area (ha) Prod. (MT) ) Sugarcane (Gur/Khandsari/Sugar) Wheat 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) Animal feed (Cattle/Poultry/Fishmeal) 2 Barley Jowar Bajra Sarson Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(77.8 kg per bale in India) 7. ANIMAL POPULATION AS PER CENSUS 2007 [in '000] 8. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 65 Animal Markets [Nos] Milk Collection Centres Cattle - Cross bred NA NA Disease Diagnostic Centres [Nos] 54 [Nos] Cattle - Indigenous 47 NA NA Artificial Insemination Centers [Nos] 65 Fishermen Societies [Nos] Buffaloes 4 NA NA Animal Breeding Farms [Nos] Fish seed farms [Nos] Sheep - Cross bred NA NA Animal Husbandry Tng Centres [Nos] Fish Markets [Nos] Sheep - Indigenous 2 NA NA Dairy Cooperative Societies [Nos] 45 Poultry hatcheries [Nos] 5 Goat NA NA Improved Fodder Farms [Nos] Slaughter houses [Nos] Pig - Cross bred 4 NA NA 9. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous NA NA Fish Production [MT] 254 Per cap avail. [gm/day] 8 Horse/Donkey/Camel 332/353/88 NA NA Egg Production [Lakh Nos] 873 Per cap avail. [nos/p.a.] 88 Poultry - Cross bred 934 NA NA Milk Production ['000 MT] 47 Per cap avail. [gm/day] 97 Poultry - Indigenous NA NA Meat Production [MT] 220 Per cap avail. [gm/day] Sources (if not mentioned against the respective item): Paddy Semi arid zone loam to sandy loam, rocky Item Nos., 6, 7, 9 & 0 - Census 200; Item Nos. 2, 3, 5, 2, 3 & 4 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item No. 8 - BPL Survey 2007; Item No. 5 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 6 - DACNET; Item No. 7 - AH Census 2007; Item Nos. 8 & 9 - Dir. of Animal Hus./Dir. of Eco. & Stat.

8 Banking Profile District - GURGAON State - HARYANA Lead Bank - SYNDICATE BANK Agency No. of Banks/Soc.. NETWORK & OUTREACH (As on 3/03/204) No. of Branches No. of non-formal agencies assoiated Per Branch Outreach Total Rural Semi-urban Urban mfis/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Banks (Public Sector) Regional Rural Bank District Central Coop. Bank Coop. Agr. & Rural Dev. Bank Primary Agr. Coop. Society Private Sector Banks All Agencies DEPOSITS OUTSTANDING Agency No. of accounts of Deposit 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) Commercial Banks NA NA NA NA Regional Rural Bank 492 NA NA NA Cooperative Banks 8075 NA NA NA DPCARDB - NA NA NA NA Private Sector Banks 804 NA NA NA NA All Agencies NA NA NA NA LOANS & ADVANCES OUTSTANDING Agency No. of accounts of Loan 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) 3-Mar-3 3-Mar-4 3-Mar-5 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks DPCARDB Private Sector Banks All Agencies CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) Agency CD Ratio Agency During Cumulative 3-Mar-3 3-Mar-4 3-Mar-5 Deposit Credit Deposit Credit Commercial Banks Commercial Banks Regional Rural Bank Regional Rural Bank Cooperative Banks Cooperative Banks Private Sector Banks Private Sector Banks All Agencies All Agencies PERFORMANCE TO FULFILL NATIONAL GOALS (As on 3/03/205) (Rs. Lakh) Agency Priority Sector to Agr. Sector to Weaker Sections under DRI Scheme to Women Commercial Banks NA NA NA NA Regional Rural Bank NA NA NA Cooperative Banks NA NA NA NA DPCARDB NA NA NA NA Private Sector Banks NA NA NA NA All Agencies NA NA NA NA 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Agency Target [Rs. '000] [%] Target [Rs. '000] [%] Target [Rs. '000] [%] Average Ach[%] in Commercial Banks Regional Rural Bank Cooperative Banks DPCARDB Private Sector Banks #DIV/0! #DIV/0! All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Broad Sector Ach[%] in Target Target [Rs. Target [%] [Rs. '000] [%] [Rs. '000] [%] '000] Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector