District - Hooghly District Profile Appendix-l State - West Bengal Division - Burdwan 1 PHYSICAL & ADMINISTRATIVE FEATURES Total Geographical Area (Sq.km) 3149 No. of Sub Divisions 4 No. of Blocks 18 No. of Villages (Inhabited) 1886 No. of Panchayats 207 3. LAND UTILISATION [hal Total Area Reported 314900 Forest Land 649 Area Not Available for Cultivation 96615 Permanent Pasture and Crazing Land 8 Land under Miscellaneous Tree Crops 1588 Cultivable Wasteland 1518 Current Fallow 594 Other Fallow 119 Net Sown Area 223390 Total or Gross Cropped Area 513797 Area Cultivated More than Once 193425 Cropping Intensity [GCA/NSA] 230 6 WORKERS PROFILE [in 000] Cultivators 2779lli Of the above, Small/Marginal Farmers Agricultural Labourers 452114 Workers engaged in Household Industries 96204 Workers engaged in Allied Agro-activities Other workers 1033268 8. HOUSEHOLDS [in '000] Total Households Rural Households BPL Households 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] Villages Electrified 1105 Villages having Agriculture Power Supply 256 Villages having Post Offices 1080 Villages having Banking Facilities 1241 Villages having Primary Schools 1607 Villages having Primary Health Centres 67 Villages having Potable Water Supply 1884 Villages connected with Paved Approach Roads 1095 13. IRRIGATION COVERAGE [Ha] Total Area Available for Irrigation (NIA + Fallow) 169761 Irrigation Potential Created 44336 Net Irrigated Area(Total area irrigated at least once) 168924 Area irrigated by Canals / Channels 106091 Area irrigated by Wells 65094 Area irrigated by Tanks 34450 Area irrigated by Other Sources 16290 Irrigation Potential Utilized (Gross Irrigated Area) 221925 15 AGRO-PROCESSING UNITS Type of Processing Activity No of units Cap. [MT] Food (Rice/Flour/Dal/Oil/Tea/Coffee) 436 846608 I Sugarcane (Gur/Khandsari/Sugar) Fruit (Pulp/Juice/Fruit drink) 8 147 Spices (Masala Powders/Pastes) 36 3173 Dry-fruit (Cashew/ Almond/Raisins) Cotton (Ginnining/Spinning/Weaving) Milk (Chilling/Cooling/Processing) 25 2045 Meat (Chicken/Mutton/Pork/Dry fish) 1 Animal feed (Cattle/Poultry /Fishmeal) 4 150 17 ANIMAL POPULATION AS PER CENSUS 2007 [in 000] Category of animal Total Male Female Cattle - Cross bred 231 124 107 Cattle - Indigenous 730 69 661 Buffaloes 40 9 31 Sheep - Cross bred 1 1 1 Sheep - Indigenous 4 2 2 Goat 760 302 458 Pig - Cross bred 1 0 1 Pig - Indigenous 28 12 16 Horse/Donkey/Camel Poultry - Cross bred 1253 N.A. N.A. Poultry - Indigenous 1863 N.A. N.A. 2. SOIL & CLIMATE Agro-climatic Zone Lower Gangetic Plains - Central Alluvial Plains Climate Moist sub-humid to dry sub-humid Soil Type Red & yellow, deltaic, alluvial, red, loamy 4. RAINFALL & GROUND WATER Normal 1 2011 Actual 1 2012 2013 Rainfall [in mm] 1553 14761 1 1090 1365.3 Variation from Normal 771-386 -110.7 Availability of Ground Water Net annual recharge Net annual draft Balance [Ham] Classification of Holding 5 DISTRIBUTION OF LAND HOLDING Holding Area Nos. % to Total ha. % to Total <-1 ha 293535 86 128989 60 >1 to <-2ha 40363 12 61311 28 >2ha 8633 3 25855 12 Total 342531 100 216155 100 Category Total Male Female Rural Urban Population 5519 2815 2704 3391 2128 Scheduled Scheduled Caste Tribe Literate 4526 2449 2077 2388 2138 BPL Anganwadis Primary Health Centres Primary Health Sub-Centres 7 DEMOGRAPHIC PROFILE [in 000] 12 INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Fertiliser/Seed/Pesticide Outlets [Nos] 4765 Agriculture Pumpsets[Nos] N.A. Total N/P /K Consumption [MT] 154400 Pumpsets Energised [Nos] N.A. Certified Seeds Supplied [MT] N.A. Agro Service Centres [Nos] N.A. Pesticides Consumed [MT] N.A. Soil Testing Centres [Nos] 5 Agriculture Tractors [Nos] 224 Plantation nurseries [Nos] N.A. Power Tillers [Nos] 4955 Farmers' Clubs [Nos] 417 Threshers/Cutters [Nos] 23196 Krishi Vigyan Kendras[Nos] 1 14 INFRASTRUCTURE FOR STORAGE TRANSPORT & MARKETING Rural/Urban Mandi/Haat [Nos] 216 "Wholesale Market [Nos] 3 Length of Pucca Road [Km] 5746 Godown [Nos] 26 Length of Railway Line [Km] Godown Capacity[MT] 40235 Public Transport Vehicle [Nos] 13301 Cold Storage [Nos] 136 Goods Transport Vehicle [Nos] 19412 Cold Store Capacity[MT] 1676537 Crop 16 AREA PRODUCTION & YIELD OF MAJOR CROPS 2lli3-14 2lli4-15 Avg. Yield Area (ha) Prod. (MT) Area (ha) Prod. (MT) [MT/ha] Paddy (Aman) 185380 808190 2%526 953941 3.22 Paddy (Bora) 66385 349160 66385 349150 5.26 "Wheat 1405 3430.1 Jute 14084 225130 16898 253470 bales 15 bales Zha Potato 87129 1680590 99460 3118100 31.35 24173 37716.2 54521 60835.65 1.12 Vegetables 56743 817131 14.40 Total 378556 3104216.3 590533 Production ofcotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 18 INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Veterinary Hospitals/Dispensaries [Nos] 40 Animal Markets [Nos] 4 Disease Diagnostic Centres [Nos] 35 Milk Collection Centres [Nos] 50 Artificial Insemination Centers [Nos] 399 Fishermen Societies [Nos] 32 Animal Breeding Farms [Nos] Fish seed farms [Nos] 1 Animal Husbandry Tng Centres [Nos] 1 Fish Markets [Nos] N.A. Dairy Cooperative Societies [Nos] 50 Poultry hatcheries [Nos] 4 Improved Fodder Farms [Nos] Slaughterhouses [Nos] 19. MILK FISH EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Fish Production [MT] 68281 Per cap avail. [gm/ day] 37 Egg Production [Lakh Nos] 2164 Per cap avail. [nos Zp.a.] 43 Milk Production ['000 MT] 473 Per cap avail. [gm/ day] 257 Meat Production [MT] 27605 Per cap avail. [gm/ day] 15 Item Nos. 1, 6, 7, 9 & 10 - Census 2001; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of AgrjDir. of Eco. & Stat.; Item No.4 - Dept. of Agr.jWater Resources; Item No.8 - BPL Sources (if not mentioned against the Survey 2002;Item No. 15 _District Ind CentrejDir. of Eco. & Stat.; Item No. 16 - DACNIT; Item No. 17 - AH Census 2003;Item Nos. 18 & 19 - Dir. of Animal Hus.jDir. respective item): of Eco. & Stat.
Banking Profile Appendix - 2 District- Hooghly West Bengal Lead Bank- UCO Bank NETWORK & OUTREACH (As on 31/03/2014) No. of No. of Branches No. of non-formal agencies associated Per Branch Outreach Banks/Soc. Total Rural Semi-urban Urban mfls/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Banks 17 336 156 72 108 2 9672 518 6 2614 Regional Rural Bank 1 36 33 1 2 3033 43 52 24393 District Central Coop. Bank 1 19 17 2 25631 99 46219 Coop. Age. & Rural Dev. Bank 2 6 6 314 146361 Primary Agr. Coop. Society 329 5 Others (Private banks) 7 36 5 16 15 52 All Agencies 357 433 217 1 127 2 38336 561 4 2028 2 DEPOSITS OUTSTANDING No. of accounts Amount of Deposit IRs.'OOO] 31-Mar-12 31-Mar-13 31-Mar-14 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA NA NA 161616810 186556893 245163669 0.3141 0.9460 Regional Rural Bank NA NA NA NA NA 3693979 3996900 4318147 0.0804 0.0167 Cooperative Banks NA NA NA NA NA 7963614 9927050 9682432-0.0246 0.0374 Others NA NA NA NA NA 17267266 23106412 NA All Agencies NA NA NA NA NA 190541669 223587255 259164248 0.1591 1.0000 3 LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan IRs.'OOO] 31-Mar-12 31-Mar-13 31-Mar-14 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA NA NA 40146606 45296518 48944100 0.0805 0.8550 Regional Rural Bank NA NA NA NA NA 1503166 1800300 2123800 0.1797 0.0371 Cooperative Banks NA NA NA NA NA 4978733 5359215 6179200 0.1530 0.1079 Others NA NA NA NA NA 957936 2367561 NA All Agencies NA NA NA NA NA 47586441 54823594 57247100 0.0442 1.0000 Commercial Banks 24.84 Regional Rural Bank 40.69 Cooperative Banks 62.52 Others 5.55 All Agencies 24.97 4 CD-RATIO 5 PERFORMANCE UNDER FINANCIAL INCLUSION (No of Alcs) CD Ratio 1 31-Mar-13 31-Mar-14 31-Mar-15 24.28 23.72 45.04 49.18 53.99 63.81 10.25 NA 24.52 22.08 During 2014-15 1 No of No No of No of Smart No of USB Frills AlC BC/BF/CSP Card Issued Opened Commercial Banks 471164 518 65873 63 Regional Rural Bank 4466 43 Cooperative Banks 2298 Others 6 PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) All Agencies 477928 561 65873 63 Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Amount % of Total Amount % of Total Amount % of Total Amount % of Total Amount % of Total IRs.'OOO] Loans IRs.'OOO] Loans IRs.'OOO] Loans IRs.'OOO] Loans IRs.'OOO] Loans Commercial Banks 13402640 6639093 Regional Rural Bank 2081527 720141 Cooperative Banks 5723587 4326326 Others All Agencies 21207754 11685560 7 AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Target I Ach'ment Target Ach'ment Target Ach'ment Achl%] in IRs.'OOO] IRs. '000] IRs.'OOO] IRs. '000] IRs.'OOO] IRs. '000] last 3 years Commercial Banks 261654151 14107249 53.92 26663937 6402228 24.01 33061681 13402640 40.54 39.49 Regional Rural Bank 3728812 1424874 38.21 3128752 1104478 35.30 3181829 2081527 65.42 46.31 Cooperative Banks 1 73752391 4269634 57.89 7236504 4768396 65.89 6209439 5723587 92.18 71.99 Others 1 7110341 451252 63.46 2242638 364048 16.23 26.57 All Agencies 1 379805001 20253009 53.32 39271831 12639150 32.18 42452949 21207754 49.96 45.15 8 SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Broad Sector Target Ach'ment Target Ach'ment Target Ach'ment Achl%] in IRs.'OOO] IRs. '000] IRs.'OOO] IRs. '000] IRs.'OOO] IRs. '000] last 3 years Crop Loan 12967500 7945757 61.3 20088900 2756580 13.72 22265129 6763089 30.38 35.12 Term Loan (Agr) 8802638 2477665 28.1 5158931 4843258 93.88 5508301 4922471 89.36 70.46 Total Agri. Credit 21770138 10423422 47.9 25247831 7599838 30.10 27773430 11685560 42.07 40.02 MSE 7413600 3119582 42.1 10857800 2659194 24.49 10930959 5668395 51.86 39.48 Other Priority Sector 7298000 4080174 55.9 3166200 2380118 75.17 3748560 3853799 102.81 77.96 Total Priority Sector 36481738 17623178 48.3 39271831 12639150 32.18 42452949 21207754 49.96 43.48 9 RECOVERY POSITION 1 2012-13 2013-14 2014-15 Average Demand IRs. Recovery Recovery Demand IRs. Recovery Recovery Demand IRs. Recovery Recovery Rec. [%] in '000] IRs. '000] 1%] '000] IRs. '000] 1%] '000] IRs. '000] 1%] last 3 years Commercial Banks 3229520 1661694 51.5 NA NA NA NA NA NA NA Regional Rural Bank 1492545 886145 59.4 NA NA NA NA NA NA NA Cooperative Banks 3093368 2481579 80.2 NA NA NA NA NA NA NA Others 66985 15033 22.4 NA NA NA NA NA NA NA All Agencies 7882418 5044451 64.0 NA NA NA NA NA NA NA Sources Lead Bank & SLBC
EXECUTIVE SUMMARY Hooghly despite being a major industrial district of West Bengal retains its basic rural characteristics with over 70% of its total population depending on Agriculture and its position as one of the major producers of cereals in the State. With highly fertile alluvial soil, well developed irrigation infrastructure, the district can safely be called as an agriculturally advanced district. The cropping intensity in the district is 230%. The total geographical area of this District is 314900 ha of which 223390 ha (71%)is under cultivation. Out of the total area under cultivation 66% area is covered by irrigation. There are lower DVC projects in the district. More than 95% of land belongs to small and marginal farmers and average size of land holdings is about 0.66 ha. The most striking feature of the industrial development of the district is the imbalance in the industrial growth. While Shrirampore- Uttarpara have a few modern factories and Singur, Jangipara, Tarakeswar, Haripal, Arambag, Dhaniakhali, Polba-Dadpur, Pandua and Balagarh are characterized at the best by Cold Storage, Rice Mills and Brick Fields, the rest of the district, still in the nascent stage of industrial development. In the PLP 2016-17 the projection for the total priority sector lending is pegged at ~542270.40 Lakh, as compared to ~495103.74 projected in the Base PLP. The Crop Production, Maintenance and Marketing loan was projected as ~291888.30 in the Base PLP. Keeping in view the present trend of shifting away from the traditional crops like boro paddy, wheat and jute and increased adoption of vegetables, mustard, til, groundnut and pulses cultivation, an area of 389448 ha being 76% of the Gross Cropped Area has been projected to be covered under crop loan for which a financial projection of ~225570.36 is arrived at. As the crops like mustard, til, groundnut and pulses are having scale of finance much lower than those of traditional crops like Boro paddy, wheat and jute, the projected bank credit for 2016-17 is less than that assessed in the Base PLP, though the projected area is more than that had been assessed in the Base PLP. The financial projection is based on the latest scale of finance fixed by District Level Technical Committee (DLTC) which is inclusive of 10% towards post- harvest /household /consumption and 20% of the cost as repairs/maintenance of the farm assets, as per RBI guidelines. Although in the district the credit flow of the Agricultural Term Loan is not picking up as required, and accordingly the projection in the Base PLP was kept at ~56647.44 lakh but considering the tremendous need of capital formation in the allied sector to sustain growth of about 4% in agriculture and different types of assistance extended by various departments to boost the sector, the huge gap in agricultural infrastructure to be plugged by private investment, the excellent scope of developing ancillary activities including food and agro processing, the potential for the total term loan has been assessed as ~98602.68 lakh; contributing 30% of the Credit Potential for Total Agriculture. The projection for MSE Investment in the Base PLP for 2016-17 was ~97000.00 lakh. Considering the increased importance of the MSE as a vehicle for inclusive growth, availability of collateral free loan upto ~5.00 lakh under the Credit Guarantee Fund
Trust for Micro and Small Enterprises (CGTMSE), prevalence of different schemes like PMEGP, BSKP to promote MSMEs, newly introduced GATIDHARA scheme for generating self- employment in the Urban and Rural areas of the State through promotion of transport service and good performance by the banks at the State level in terms of financing the sector, an upward revision has been assessed and an amount of ~158827.50lakh has been projected for MSME sector for 2016-17. The projection for the other broad sectors as classified by the RBI as Priority Sector are: Export: ~2700.00 lakh, Education: ~7650.00 lakh, Housing: ~28728.00 lakh, Renewable Energy: ~128.95 lakh, Others: ~18834.40 lakh other priority sector lending has been revised upward from ~39614.00 lakh from the and Social Infrastructure: ~1228.50lakh. Suggested Action Points for realizing the Financial Projection Though 98.19%of farmers having clear Title Deed of land have been covered under KCC in Hooghly as on 31.03.2015(Source: Deputy Director of Agriculture, GOWB), large number of actual tillers are excluded due to lack of title deed of land. A survey with the help of gram panchayats to assess the number of farmers who are still excluded from the fold of KCC due to absence of title deed of land and organize them as Joint Liability Groups to avail KCC. The Bankers should extend vegetable and onion loan under KCC, to help farmers shift from less remunerative paddy and risk prone potato cultivation and diversify their cropping practice. The loan requirement per acre of vegetablej onion cultivation is more than that of paddy cultivation, yet farmers use the KCC amount for paddy cultivation to partially cover such cultivation, and the balance they have to manage from consumption expenses or from loan from non-institutional sources. Formation of farmers Producer Organisations for the farmers involved in production of potato, onion and vegetables and providing them support for direct marketing. Farmer Producer Companies may be developed in areas like Balagarh, Pandua, Haripal (Chilling Plant, Onion Paste, Vermin compost), Polba Dadpur, Dhaniakhali, Singur (Fruit Processing & Ripening Units) and Tarakeswar-Pursurah-Arambagh- Khanakul-Goghat belt (Potato- seed and processing variety) availing support under Equity Grant & Credit Guarantee Fund Scheme from the Ministry of Agriculture, Department of Agriculture & Cooperation. Support construction of Rural Godowns by farmersjshgs of capacity more than 250 MT and accredition of the same for scientific storage. Regularize provision of postharvest credit to farmers by the banks against negotiable warehouse receipts to prevent distress sale. The present accredit ion process is very lengthy, cumbersome and uncertain. NABARDjNABCONS may take up with WDRA, New Delhi, to simplify the process and make it more farmer-friendly. Set up of sorting, grading and packing infrastructure for fruits and vegetables in major production belts like Balagarh, Pandua, Chinsurah-Mogra, Polba-Dadpur, Singur & Tarakeswar. Establish Multi- purpose cold storages for vegetables in the vegetable producing belt to save farmers from distress sale. Multipurpose cold storages need to be linked with round the year product cycle and hence FPOs j organized body of farmersjpacs should be the best potential beneficiary to set up such stores. A complete value chain of production, aggregation and storage of horti-produce will ensure viability. The vegetable rich blocks with strong farmer groups may be targeted for the scheme.
Promotion of vermi compost in the blocks like Balagarh, Polba Dadpur, Dhaniakhali and Haripal which have large number of cattle and using Farmers Clubs and SHGs for commercialisation of such activities and proper distribution of the compost across the district, specially in the potato belt of Goghat, Arambagh, Khanakul, Pursurah and Tarakeswar, by the Agri-Marketing Department Establishing more number of Drainage cum surface flow MI schemes in the blocks like Chinsurah Mogra, Pandua, Gogaht I and II, Singur, Arambagh, where over utilisation of ground water has taken place in the past years Emphasize Field Channel schemes blocks Haripal, Pandua and Dhaniakhali, where canals (Kana Nadi, Eden Br-I, Kana Damodar, D-I Br) are flowing Promote "Farm Equipment Service Centres" or "Farm Machinery Hubs" offering the equipment on custom hiring. Such facilities may be set up either under entrepreneurship (ACABC) mode or at the PACSs Promote sustainable livelihood activities by SHGs in horticulture, dairy, poultry, goatery, fishery, vermi compost under the facilitation of PACS like Amnan in Polba Dadpur, Vivekananda in Tarakeswar, Kanpur SKUS in Arambagh, which have good experience in nurturing and supporting SHGs. Since the bulk of Rabi Onion is harvested during March-April, just before the onset of the monsoon, the prices of onion decline during this period while the same shoots up during the rainy season. Non-availability of storage facilities at farm level forces farmers to sell their produce immediately after the harvest to save further deterioration during rains. In return, they get the most depressed prices and the middlemen in the trade get the advantage of price volatility of prices of this essential commodity. In order to mitigate the supply crisis during June-September and to help the onion producing farmers reaping remunerative price, naturally ventilated onion storage structure made with brick, bamboo and tin/asbestos/straw, developed by Hooghly Krishi Vigyan Kendra and supported by the Department of Horticulture is proved to be an effective technology. A back ended subsidy to the extent of 50% of the capital cost with an upper limit of Rs.87500.00 from the Department of Horticulture under National Horticulture Mission is prevalent. The Model Scheme on Onion Storage Structure has been prepared by NABARD to demonstrate to the banks that financing for constructing on- farm onion storage structure is a viable proposition. While the working capital for onion cultivation can partially be capitalized with the capital cost of construction of the onion storage structure, increased emphasis is required to be given to bring the crop to the fold of KCC and insurance coverage.
Broad Sector wise PLP Projections- 2016-17 (~lakh) Sr. No. Particulars PLP Projections 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 225570 36 II Term Loan for Agriculture and Allied Activities 44082 41 Sub Total 269652.77 B Agriculture Infrastructure 43851.50 C Ancillary activities 10668.78 I Credit Potential for Agriculture (A+B+C) 324173 05 II Micro, Small and Medium Enterprises 158827.50 III Export Credit 2700.00 IV Education 7650.00 V Housing 28728.00 VI Renewable Energy 128 95 VII Others 18834.40 VIII Social Infrastructure involving bank credit 1228.50 Total Priority Sector (I to VIII) 542270 40
Summary ofsectorjsub-sector wise PLP Projections- 2016-17 (~lakh) Sr. No. Particulars PLP Projections 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 225570.36 II Water Resources 1182 31... III Farm Mechanisation 12684 31 IV Plantation and Horticulture 4520 49 V Forestry and Waste land Development 199 80 VI Animal Husbandry -Dairy 6655 35 Vll Animal Husbandry -Poultry 7143 15... Animal Husbandry -Sheep/Coat/Piggery 1977 96 Vlll IX Fisheries 5921.04 X Others- Bullock, Bullock cart etc 3798.00 B Agriculture Infrastructure Sub Total 269652.77 i Construction of storage facilities (Warehouses, Market yards, 40432 50 Godowns, Silos, Cold Storage units/cold Storage chains) II C II Land Development, Soil Conservation, Watershed development 77 00... III Others (Tissue Culture, Agri bio technology, Seed production, Bio 3342.00 pesticides/fertilizers, Vermin composting) Sub Total 43851.50 Ancillary activities i Food and Agro Processing 10151.28 II Others (Loans to Cooperative Societies of farmers for disposing of 517 50 their produce, Agri Clinics / Agri Business Centres, Loans to PACS/FSS/LAMPS, Loans to MFIs for on lending) Sub Total 10668.78 Total Agriculture 324173 05 Micro, Small and Medium Enterprises i MSME- Working capital 111982 50 II MSME- Investment Credit 46845 00 Total MSME 158827.50 III Export Credit 2700.00 IV Education 7650.00 V Housing 28728.00
VI Renewable Energy 128 95 VII Others (Loans to SHGsjJLGs, loans to distressed persons to 18834.40 prepay non-institutional lenders, PMJDY, loans to state sponsored organisations for SCjST) VIII Social Infrastructure involving bank credit 1228.50 Total Priority Sector 542270 40