District Profile. Soil Type Alluvial & Red Loamy

Transcription

1 District Profile District- COOCHBEHAR State - WEST BENGAL Division- North Bengal 1. PHYSCAL & ADMNSTRATVE FEATURES 2. SOL & CLMATE Total Geographical Area (Sq.km) 3387 No. of Sub Divisions 5 Agro-climatic Zone Eastern Himalayan Region - Upper Brahmaputr No. of Blocks 12 Climate Humid to per Humid No. of Villages (nhabited) 1188 No. of Panchayats 128 Soil Type Alluvial & Red Loamy 3. LAND UTLSATON [Ha] 4. RANFALL & GROUND WATER Total Area Reported Normal Actual Forest Land 6000 Rainfall [in mm] Area Not Available for Cultivation Variation from Normal Permanent Pasture and Grazing Land 81 Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 9573 [Ham] Cultivable Wasteland DSTRBUTON OF LAND HOLDNG Current Fallow Holding Area Classification of Holding Other Fallow 36 Nos. % to Total Ha. % to Total Net Sown Area 1146 <=1 Ha Total or Gross Cropped Area >1 to <-2 Ha Area Cultivated More than Once >2Ha Cropping nensity [GCA/NSA] 215 Total WORKERS PROFLE [in 'ODD] 7. DEMOGRAPHC PROFLE [in 'ODD] Cultivators 365 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 290 Population (2011 census) Agricultural Labourers 392 Scheduled Caste Workers engaged in Household ndustries 41 Scheduled Tribe Workers engaged in Allied Agro-activities 433 Literate (2011 census) Other workers 331 BPL HOUSEHOLDS [in 'ODD] 9. HOUSEHOLD AMENTES [Nos. in '000 Households] Total Households 666 Having brick/ stone/ concrete houses Having electricity supply Rural Households 596 Having source of drinking water Having independent toilets BPL Households 383 Having access to banking services Having radio/tv sets 10. VLLAGE-LEVEL NFRASTRUCTURE [Nos] 11. NFRASTRUCTURE RELATNG TO HEALTH & SANTATON [Nos] Villages Electrified 1131 Anganwadis 1926 Dispensaries 7 Villages having Agriculture Power Supply 1131 Primary Health Centres 29 Hospitals 6 Villages having Post Offices Primary Health Sub-Centres 351 Hospital Beds Villages having Banking Facilities NFRASTRUCTURE & SUPPORT SERVCES FOR AGRCULTURE Villages having Primary Schools 1138 Fertiliser/Seed/Pesticide Outlets [Nos] 1452 Agriculture Pumpsets[Nos] Villages having Primary Health Centres 29 Total N/P /K Consumption [M] Pumpsets Energised [Nos] Villages having Potable Water Supply Certified Seeds Supplied [:M] Agro Service Centres [Nos] Villages connected with Paved Approach Roads Pesticides Consumed [:M] Soil Testing Centres [Nos] RRGATON COVERAGE [Ha] Agriculture Tractors [Nos] Plantation nurseries [Nos] Total Area Available for rrigation (NA + Fallow) Power Tillers [Nos] Farmers' Clubs [Nos] 584 rrigation Potential Created Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos] 1 Net rrigated Area(Total area irrigated at least once) 14. NFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETNG Area irrigated by Canals / Channels 1645 Rural/Urban Mandi/Haat [Nos] 128 Wholesale Market [Nos] 54 Area irrigated by Wells Length of Pucca Road [Km] 353 Godown [Nos] 60 Area irrigated by Tanks 5853 Length of Railway Line [Km] Godown Capacityj Mf'] Area irrigated by Other Sources Public Transport Vehicle [Nos] 729 Cold Storage [Nos] 12 rrigation Potential Utilized (Gross rrigated Area) Goods Transport Vehicle [Nos] 700 Cold Store CapacityfMf'] AGRO-PROCESSNG UNTS 16. AREA, PRODUCTON & YELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[M] (July 2010) Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) 209 NA Area (Ha) Prod. (M) Area (Ha) Prod. (M) [Kg/Ha] Sugarcane (Gur /Khandsari/Sugar) NA NA AmanPaddy Fruit (Pulp/Juice/Fruit drink) 2 NA Aus Paddy Spices (Masala Powders/Pastes) 6 NA Boro Paddy Dry-fruit (Cashew/ Almond/Raisins) NA NA Jute Jute (Ginnining/Spinning/Weaving) 2 NA Potato Milk (Chilling/Cooling/Processing) 1 NA Vegetable (Winter) Meat (Chicken/Motton/Pork/Dryfish) NA NA Tobacco Animal feed (Cattle/Poultry /Fishmeal) NA NA Production ofcotton(lint), Jute, lvfesta & Sanhemp are in Bales(177.8 kg per bale in ndia) 17. ANMAL POPULATON AS PER CENSUS 2007 [in 'ODD] 18. NFRASTRUCTURE FOR DEVELOPMENT OF ALLED ACTVTES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 134 Animal Markets [Nos] 0 Cattle - Cross bred Disease Diagnostic Centres [Nos] 0 Milk Collection Centres [Nos] 0 Cattle - ndigenous Artificial nsemination Centers [Nos] 241 Fishermen Societies [Nos] 0 Buffaloes Animal Breeding Farms [Nos] 0 Fish seed farms [Nos] 24 Sheep - Cross bred NA NA NA Animal Husbandry Tng Centres [Nos] 0 Fish Markets [Nos] 0 Sheep - ndigenous Dairy Cooperative Societies [Nos] 0 Poultry hatcheries [Nos] 0 Goat mproved Fodder Farms [Nos] 0 Slaughter houses [Nos] 0 Pig - Cross bred NA NA NA 19. MLK, FSH, EGG PRODUCTON & THER PER CAPTA AVALABLTY Pig - ndigenous Fish Production [:M] Per cap avail. [gm/day] NA Horse/Donkey/Camel NA NA NA Egg Production [Lakh Nos] 980 Per cap avail. [nosyp.a.] NA Poultry - Cross bred Milk Production ['ODD :M] 127 Per cap avail. [gm/day] 170 Poultry - ndigenous Meat Production [:M] NA Per cap avail. [gm/day] NA Sources (if not mentioned against the respective item): tem Nos. 1, 6, 7, 9 & 10 - Census 2001; tem Nos. 2, 3, 5, 12, 13 & 14 - Dept. of Agr/Dir. of Eco. & Stat.; tem No. 4 - Dept. of Agr./Water Resources; tem No. 8 - BPL Survey 2002; tem No District nd Centre /Dir. of Eco. & Stat.; tem No. 16 -DACNET; tem No. 17 -AH Census 2003; tem Nos. 18 & 19 -Dir. of Animal Hus./Dir.

2 District- COOCHBEHAR Banking Profile State - WEST BENGAL Lead Bank- CENTRAL BANK OF NDA 1 NETWORK & OUTREACH (As on 31/03/2015) No. of No. of Branches No. of non-formal agencies assoiated Per Branch Outreach Banks/Soc. Total Rural Semi-urban Urban rnfs/rnfos SHGs/1LGs 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 DEPOSTS OUTSTANDNG No. of accounts Amount of Deposit [~.OOO] 31-Mar Mar Mar-13 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies LOANS & ADVANCES OUTSTANDNG No. of accounts Amount of Loan [~.OOO] 31-Mar Mar Mar-13 Growth(%) Share(%) 31-Mar Mar Mar-15 Growth(%) Share(%) Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies CD-RATO 5. PERFORMANCE UNDER FNANCAL NCLUSON (No. ot Ales) CD Ratio 31-Mar Mar Mar-15 Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies PERFORMANCE TO FULFLL NATONAL GOALS (As on 31/03/2015) During Cumulative Deposit Credit Deposit Credit Commercial Banks Regional Rural Bank Cooperative Banks Others 625 All Agencies Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections# Loans under D R Scheme Loans to Women Amount % of Total Amount % of Total Amount % of Total Amount % of Total Amount % of Total ['VOOO] Loans ['VOOO] Loans ['VOOO] Loans ['VOOO] Loans ['VOOO] Loans Commercial Banks NA NA NA NA NA NA Regional Rural Bank NA NA NA NA NA NA Cooperative Banks NA NA NA NA NA NA Others NA NA NA NA NA NA All Agencies AGENCY-WSE PERFORMANCE UNDER ANNUAL CREDT PLANS Average Target Ach'ment [~. Ach'ment Target Ach'ment [~. Ach'ment Target Ach'ment Ach'ment Ach[%] in ['VOOO] '000] [%] ['VOOO] '000] [%] ['VOOO] ['{. '000] [%] last 3 years Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies SECTOR-WSE PERFORMANCE UNDER ANNUAL CREDT PLANS Average Broad Sector Target Ach'ment [~. Ach'ment Target Ach'ment [~. Ach'ment Target Ach'ment Ach'ment Ach[%] in ['{.'OOO] '000] [%] ['{.'OOO] '000] [%] ['{.'OOO] ['{. '000] [%] last 3 years Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector RECOVERY POSTON ( ) ( ) ( ) Average Rec. Demand Recovery Demand Recovery Demand Recovery [%] in last 3 Recovery [%] Recovery [%] Recovery [%] ['{. '000] ['{. '000] ['{. '000] ['{. '000] ['{. '000] ['{. '000] years 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 & SLBC *Weaker Section+SC ST & OBC N A - Data not available

3 EXECUTVE SUMMARY ntroduction Coochbehar is located in the extreme north -eastern part of the state of West Bengal, which came into being on 12 September The total geographical area of the district is 3387 sq. km. located in the foothills of the Himalayas surrounded by J alpaiguri district in the north and west and Assam on the north east. The rest is bound by Bangladesh with a border of around 300 km. The district is connected with rest of ndia by Guwahati railway route and NH31. There are six perennial rivers passing through the district viz. Teesta, Torsa, J aldhaka, Kaljani, Raidak and Sankosh and network of seasonal rivers have attributed to maintain water sources for agriculture throughout the year. The district has the distinction of highest SC population (52%) in the entire country. The major occupation is agriculture and allied activities and as such the district lacks industrialization on account of locational disadvantage. Rice, Jute, Maize, wheat, potato and Tobacco are principal crops. 'Kalo Nunia', special variety rice is produced in certain areas of this district only. This rice is very famous for its aroma. Concerted efforts are taken for obtaining G of this rice. Of late, cultivation of maize has become prominent in the district. Maize is grown throughout the year; however, the main growing seasons are Rabi and pre-kharif. n the district a hybrid variety, viz., 'Alrounder' is widely used with a productivity of 7.5 to 9 MT / ha. Lesser cost of production and assured market encouraged the farmers to undertake maize cultivation. Huge quantity of Vegetables is grown in some of the blocks like Sitai, Sitalkuchi and Haldibari. Haldibari is famous for quality tomato and chili production. Every year huge tomatoes and chilies are wasted for want of proper storage and market. The district has suitable agro-climatic conditions for cultivation of mulberry and offers scope for development of all types of downstream activities in sericulture. There are large water bodies in the district, which can be exploited for inland fisheries and also can be used as source of irrigation. Climate is tropical and the land surface of the district is almost flat and slopes towards south. The soil texture is old alluvium in nature and is lighter in upper situation and heavier in lower situation. The soil is fairly fertile. The normal annual rainfall of the district is 3000 mm. The climate is characterised by hot summer, cold winter, abundant rainfall and humidity. About 42% of the gross cropped area is irrigated (7% by surface irrigation and balance by groundwater structures). Agriculture and allied activities form the backbone of the economy of the district, especially the rural economy, as more than two-thirds of the people depend on agriculture and allied activities. NABARD has been preparing the Potential Linked Credit Plan for districts every year presenting the broad model for development of the district by spatial deployment of credit available under Priority Sector. NABARD has prepared Base PLPs for the districts in West Bengal co-terminus with the X Five Year Plan ( to ). This year the theme of the PLP shall continue to be "Accelerating the pace of capital formation in agriculture and allied sector". Keeping in view, to achieve 60% CD Ratio in the district, 4% growth in Agriculture as advised by the Central Government this year also to form more assets in agriculture and allied sector and the revised circular issued by RB vide dated 23 April 2015 on Priority Sector Lending, the projections for has been revisited and adjusted with the present scenario taking into account changes in the policy at the State and Centre, changes in infrastructure, stage of development, percentage of DCP Achievements, local conditions, etc. Accordingly, projections made in the Base PLP have been revised/modified for the year

4 PLP Coochbehar Sectoral Trend of Credit Flow Performance under the District Credit Plans (DCP) for the last three years (as shown below) clearly indicates a gradual increase in percentage of achievement in Crop Loan. Term loan has declined 6% during the year This may be due to over projection of potential for the year n Non-Farm sector there has been a growth of 7.5% in the year over the last year achievement but that is much below the overall achievement in the priority sector of the district. The achievement of other priority sector during the year shows a very high level though it is lower than the achievement during This shows direct inclination of bankers to push finance in OPS rather than PS. (~ lakh) Sl Sector Target Achi % Target Achi % Target Achi % 1 Crop Loan 2 Term Loan 3 Total Agrl 4 NFS OPS Grand Total Taking into consideration the theme of the Central Government "Accelerating the pace of capital formation in agriculture and allied sector", revised priority sector lending norms issued by RB vide circular dated 23 April 2015 and recent scenario of climate change all over the country the estimation of PLP has been revisited in the light of achievement of the last 3 years and projected accordingly coterminous with the base PLP Keeping in mind the GLC achievements of last 3 years and base PLP projections for the year , estimated projection of PLP has suitably been modified to ~ akh which is about 09.18% more than projections in PLP The projected Total Agriculture growth has been estimated around 12.87% over last year while the projected growth in Agriculture Term loan has been estimated around 25% more than the previous year. Crop Loan Keeping in view the credit flow during the last 3 years in Crop Loan Sector, and the deliberation in Pre-PLP Meeting in the district, projection for the year has been kept as ~ lakh. Term Loan Keeping in view the theme "Accelerating the pace of capital formation in agriculture and allied sector", 4% growth in Agriculture as advised by the Central Government, the PLP projections for for Term Loan in Agriculture Sector has been suitably reassessed. Accordingly, the PLP projection of Term Loan for the year has been fixed as ~ lakh which is 26.17% of Crop Loan. MSME n view of the National Policy announced by the Central Government and advice given in the budgetary session to give stress for more credit to the MSME the PLP projections for in MSME has been revisited and adjusted with the present scenario taking into account changes in the policy at the State and Centre. Accordingly, the PLP projection of MSME for the year has been estimated as ~ lakh which forms 23.13% of the total projection for ii

5 Export Credit As per RB circular dated 23 April 2015 on priority sector lending a new sector has been introduced in the Projection of PLP Keeping in view availability and opportunity of export activities in the district an estimation of ~18.oo lakh has been made in the PLP for Education As per RB circular dated 23 April 2015 on priority sector lending, education has been curved out from Other Priority Sector and formed a separate sector. Keeping in view the present scenario of education in the district an optimistic estimation of ~ lakh has been projected in the PLP for Housing As per RB circular dated 23 April 2015 on priority sector lending a new sector has been introduced in the Projection of PLP which was earlier covered under Other Priority Sector. Keeping in view the prevailing condition in the district, an optimistic estimation of ~ lakh has been projected in the PLP for Renewable Energy This sub-sector has been curved out from Agriculture Term Loan and has been projected as broad sector in PLP Keeping in view the present generation and distribution of electricity in the rural areas of the district an amount of ~81.01 lakh has been projected in the PLP for Others This has emerged as a broad sector as per new guideline of RB on priority sector lending. This is one of the vital sector which includes loans to SHGj JLG, GCC and Overdraft on PMJDY etc. The PLP projection for under Other sector has been estimated as ~ lakh. Social nfrastructure involving bank credit A new broad sector has been introduced in the Projection of PLP as per the new guideline of RB on priority sector lending. This sector includes loans to social infrastructure created by bank credit. PLP projection for under this sector has been estimated as ~ lakh only. iii

6 Appendix A to Annexure 1 Broad Sector wise PLP projections (~ Lakh) Sr. Particulars PLP projections No. A Farm Credit i. Crop Production, Maintenance and Marketing ii. Term Loan for agriculture and allied activities Sub Total B Agriculture nfrastructure C Ancillary activitieis Credit Potential for Agriculture CA+B+C) Micro, Small and Medium Enterprises Export Credit V Education V Housing V Renewable Energy V Others V Social nfrastructure involving bank credit Total Priority Sector ( to V) Pie Chart ARrl M ME ~ port Fdu if. n Hou " Rnb :n het ooallnfrn iv

7 Appendix B to Annexure 1 Summary of Sector j Sub-sector wise PLP prljections (~Lakh) Sr. Particulars PLP projections No Credit Potenial for Agriculture A Farm Credit 1 Crop Production, Maintenance and Marketing Water Resources Farm Mechanisation V Plantation and Horticulture (including sericulture) v Forestry and Waste Land Development V Animal Husbandry - Dairy V11 Animal Husbandry - Poultry Vlll Animal Husbandry - sheep, Goat, Piggery, etc X Fisheries (Marine, nland, Brakish water) X Others - Bullock, Bullock Cart, etc SubTotal B Agriculture nfrastructure 1 Construction of storage facilities (Warehouse, Market yards, Godowns, Silos, Cold storage units/ Cold storage chains) 11 Land development, Soil conservation, Watershed development... Others (Tissue culture, Agri bio-technology, Seed production, Bio pesticides/ fertilizers, Vermin composting) SubTotal C Ancillary activities 1 Food and Agro processing Others (Loans to Cooperative Societies of farmers for disposing of their produce, agri Clinicsj Agri Business Centres, Loans to PACSj FSSj LAMPS, Loans to MFs for on lending) SubTotal Total Agriculture Micro, Small and Medium Enterprises 1 MSME - Working capital MSME - nvestment credit Total MSME Export Credit V Education V Housing V Renewable Energy V Others (Loans to SHGsj JLGs, loans to distressed persons to prepay non-institutionalleners, PMJDY, loans to state sponsored organizations for SCjST) V Social nfrastructure involving bank credit Total Priority Sector v