Executive Summary This PLP works out exploitable credit potential for the year 2016-17 taking into account availability of infrastructure, marketing support, credit absorption capacity and other strengths and weaknesses of the credit delivery system at the district level. This Potential Linked Credit Plan envisages to achieve the credit potential of `57059.20 lakh for credit flow for Priority sector advances in the district during 2016-17 as against `47421.34 lakh assessed for 2014-15 registering a growth rate of 20% over the previous year. Total flow of Ground Level Credit (GLC) under priority sector was `148.46 crore, `232.97 crore, and `203.93 crore, during 2012-13, 2013-14 and 2014-15, respectively. District Credit Plan showed achievement of 91.64 %, 70.25% and 50.88%, over same period. Share of agriculture credit in total GLC during the past three years was 48%, 45% and 24%, respectively. There are 9 different banks operating with a network of 81 branches in the district. As on 31 March 2015, deposits stood at `145147.00 lakh recording a negative growth of -1.46% over the previous year and outstanding advances stood at `100016.00 lakh recording a growth of 21.97% over previous year. The CD ratio of the district as on 31 March stood at 68.91%. Major constraints likely to affect the translation of potential for institutional credit assessed under the PLP-2016-17 into actual flow of GLC in various sectors are: poor outreach of development programmes of State and Central Government, poor branch network, low spread of BCs, lack of SHPIs, lack of basic rural infrastructure facilities, apathy of farmers/ rural people towards banks, lack of coordination among agencies, absence of Crop Insurance facilities due to poor infrastructure and awareness, lack of offfarm skills and facilities for rural industrial entrepreneurship, etc. Suggested action points to overcome the adverse impacts of constraints are as under: social mobilization, creation of awareness, skill formation drives, enhancing coordination among agencies, financial literacy camps, etc. BARD has initiated steps in this direction by promotion of Women SHGs, Area Development Schemes, organizing FLCs, etc. Thrust areas planned in the district for 2016-17 are: promotion of SHGs, JLGs, FPOs, etc. which require optimum coordination among all agencies and stakeholders in the district including decentralized participation of the rural people. Needless to mention, the district requires adequate capital formation in the desired/ priority sectors to meet aspirations/ requirements of the local population to ensure inclusive growth of all. Effective monitoring and review of implementation of PLP and ACP through DCC/ DLRC and BLBC meetings is required to achieve the stated objective of inclusive growth. Disclaimer: The GLC reported in PLP document does not cover Jewel 9
BROAD SECTOR-WISE PLP PROJECTIONS - 2016-17 Sr. No. A Farm Credit Sector (` lakh) Projections for 2016-17 i Crop Production, Maintenance and Marketing (Crop Loan) 14059.60 ii Term Investment for Agriculture and Allied Activities (Agri. Term Loan) 13031.32 Total (i+ii) 27090.92 B Agriculture Infrastructure 895.77 C Ancillary Activities 1938.75 I Credit Potential For Agriculture (A+B+C) 29925.44 II Micro, Small and Medium Enterprises 10850.29 III Export Credit 108.00 IV Education 2844.00 V Housing 8977.50 VI Renewable Energy 272.97 VII Others 2496.25 VIII Social Infrastructure involving Bank Credit 1584.75 Total Priority Sector (I to VIII) 57059.20 10
Sr. No. I A SUMMARY OF SECTOR-WISE PLP PROJECTIONS - 2016-17 PARTICULARS Credit Potential for Agriculture Farm Credit (` lakh) Projections for 2016-17 i Crop Production, Maintenance and Marketing 14059.60 ii Water Resources 1367.32 iii Farm Mechanisation 2938.67 iv Plantation and Horticulture 2603.56 v Forestry and Waste Land Development 37.02 vi Animal Husbandry Dairy Development 1752.57 vii Animal Husbandry Poultry Development 1235.70 viii Animal Husbandry Sheep, Goat and Piggery Development 1914.75 ix Fisheries Development 187.56 x Others - Bullock, Bullock cart etc 994.19 B SUB TOTAL 27090.92 Agriculture Infrastructure i Storage Facilities (C/S, Warehouses, Godowns etc) 742.50 ii Land Development, Soil Conservation, Wasteland Development 108.59 iii Others Vermi Compost, Agri bio-technology etc ticides/fertilizers, vermi-composting 44.69 SUB TOTAL 895.77 C Ancillary Activities i Food and Agro Processing 1668.75 ii Others - to Coop Societies, Agri Clinic/Agri Business Centres, to PACS/LAMPS/MFI 270.00 SUB TOTAL 1938.75 TOTAL AGRICULTURE 29925.44 II Micro, Small and Medium Enterprises i MSME - Investment Credit 8346.38 ii MSME - Working Capital 2503.91 TOTAL MSME 10850.29 III Export Credit 108.00 IV Education 2844.00 V Housing 8977.50 VI Renewable Energy 272.97 VII Others 2496.25 VIII Social Infrastructure involving Bank Credit 1584.75 TOTAL PRIORITY SECTOR (I to VIII) 57059.20 11
Map of Kupwara District 12
District Profile has been carved out of erstwhile District Baramulla in 1979 in order to develop the socio economic pattern by addressing the far flung and remote areas of the District. The Geographical area of the District is 2,379 sq km out of which 1309.87 sq km is forest area. The average temperature is ranges from -10 o Celsius to 37 o Celsius, average rainy days are 93, average rainfall 953mm and the winters are icy cold and harsh. The areas like Tanghdhar, Teetwal, Karnah and Machail remain mostly inaccessible during winter due to heavy snowfall and temperature falls as low as minus 10 degree Celsius at several places. District is situated at an altitude of 5300 ft above sea level. In the east and south there are District boundaries of Baramulla and in the west line of control (LOC) separating it from Muzzafarabad (PoK). Total population of the district as per 2011 census is 8.76 lakh The district has a population density of 368 inhabitants per square kilometer. Its population growth rate over the decade 2001-2011 was 34.62%. Kupwara has a sex ratio of 843 females for every 1000 males and a literacy rate of 66.92%. The population is concentrated in rural areas and out of the total Kupwara population for 2011 census, 12.03 percent lives in urban regions of district and 87.97 % population of Kupwara districts lives in rural areas of villages. The district has 80 branches of various banks. The CD ratio of the district stood at 55.67% as on 31.03.2014 which is yet to reach the national goal of 60%. As per the new administrative units setup, the District consists of 379 revenue villages, comprising of 15 tehsils and 24 blocks. There are three Municipal Committees of Handwara, Kupwara and Langate. The District, though hilly and covered with mountains has beautiful tourist and fragrant flower spots/places namely Lolab and Bungus Valleys fast flowing streams and many other natural sceneries. These valleys are known for their Tourism potential. Kupwara is one of the country's 250 most backward districts as notified by Ministry of Rural Development GoI. It is also the most backward district of Kashmir valley as compared to other districts of the region. There is no large or medium industry either in public sector or private sector. The topography of the district is mixed with both mountainous and plain areas. District is classified into Temperate Zone and suitable for fruit cultivation. Information on various parameters regarding the district is given in district profile chart. 13
District Profile District - Kupwara State - J&K Division - Kashmir 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 2379 No. of Sub Divisions/Tehsils 15 Agro-climatic Zone Western Himalyan Region-- High Altitude( ZoneI) No. of Blocks 24 Climate Humid to cold arid No. of Villages (Inhabited) 379 No. of Panchayats 365 Soil Type Hill soil, mountain meadow skelteal tarai 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 109470 Normal 2012-13 2013-14 2014-15 Actual Forest Land 1309 Rainfall [in mm] 1270 1115 1210 1245 Area Not Available for Cultivation Permanent Pasture and Grazing Land 18031 3360 Availability of Ground Variation from Normal Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 722 Water [Ham] N/A N/A N/A Cultivable Wasteland 12062 5. DISTRIBUTION OF LAND HOLDING Current Fallow 5484 Holding Area Classification of Holding Other Fallow 431 Nos. % to Total Ha. % to Total Net Sown Area 39990 <= 1 Ha 53644 58 53644 58 Total or Gross Cropped Area 45755 >1 to <=2 Ha 21608 24 21608 24 Area Cultivated More than Once 1098 >2 Ha 16593 18 16593 18 Cropping Inensity [GCA/NSA] 102 Total 91845 100 91845 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 48 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 47 Population 876 412 474 765 105 Agricultural Labourers 13 Scheduled Caste 1.048 1.030 0.03 0.087 0.0176 Workers engaged in Household Industries 3 Scheduled Tribe 70.30 36.90 33.40 68.40 1.86 Workers engaged in Allied Agro-activities 2 Literate 439.60 282.80 156.80 374.90 64.60 Other workers 123 BPL 233.5 229.8 0.37 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 113 Having brick/stone/concrete houses Having electricity supply 95 Rural Households 101 Having source of drinking water 116 Having independent toilets BPL Households 17 Having access to banking services Having radio/tv sets 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 337 Anganwadis 2271 Dispensaries 73 Villages having Agriculture Power Supply 515 Primary Health Centres 31 Hospitals 7 Villages having Post Offices 213 Primary Health Sub-Centres 128 Hospital Beds 549 Villages having Banking Facilities 132 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 325 Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos] 148 Villages having Primary Health Centres 160 Total N/P/K Consumption [MT] Pumpsets Energised [Nos] Villages having Potable Water Supply 482 Certified Seeds Supplied [MT] Agro Service Centres [Nos] Villages connected with Paved Approach Roads 490 Pesticides Consumed [MT] Soil Testing Centres [Nos] 6 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 1383 Plantation nurseries [Nos] 9 Total Area Available for Irrigation (NIA + Fallow) 65200 Power Tillers [Nos] 236 Farmers' Clubs [Nos] 12 Irrigation Potential Created 30649 Threshers/Cutters [Nos] N.A Krishi Vigyan 1 Net Irrigated Area(Total area irrigated at least once) 28932 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 28132 Rural/Urban Mandi/Haat [Nos] 2 Wholesale Market [Nos] 2 Area irrigated by Wells 238 Length of Pucca Road [Km] 1074 Godown [Nos] 1 Area irrigated by Tanks 225 Length of Railway Line [Km] Godown Capacity[MT] 5000 14
Banking Profile District - Kupwara State - Jammu &Kashmir Lead Bank - J&KBank 1. NETWORK & OUTREACH (As on 31/03/2015) Total Rural Semi-urban Urban mfis/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Banks 5 44 32 12 NIL 133 38 84 Regional Rural Bank 1 23 20 3 NIL 98 64 77 District Central Coop. Bank 1 12 8 4 NIL 17 Coop. Agr. & Rural Dev. Bank 1 1 1 NIL 3 Primary Agr. Coop. Society 1 18 14 4 NIL 17 Others (KAMCO) 1 1 1 NIL 4 All Agencies 9 99 74 25 NIL 231 102 202 No. of Banks/Soc. No. of Branches No. of non-formal agencies assoiated Per Branch Outreach 2. DEPOSITS OUTSTANDING No. of accounts of Deposit 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) Commercial Banks 331097.00 366596.00 443677.00 1.21 61.61 139333.84 147300.00 192086.14 22.53 132.34 Regional Rural Bank 135811.00 149517.00 168534.00 12.72 23.40 24623.90 27494.00 32007.94 16.42 22.05 Cooperative Banks 72550.00 95200.00 97120.00 20.17 13.49 11087.39 12378.06 14293.70 15.48 9.85 Others--KAMCO 5450.00 6743.00 10797.00 60.12 1.50 1875.27 2039.37 2463.00 20.77 1.70 All Agencies 544908.00 618056.00 720128.00 16.52 100.00 176920.40 147300.00 145147.00 21.23 165.94 3. LOANS & ADVANCES OUTSTANDING No. of accounts 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 46266.00 48274.00 53266.00 10.34 64.32 64663.63 74895.99 88459.70 18.11 88.44 Regional Rural Bank 9288.00 10367.00 14587.00 40.71 17.62 9686.93 12841.00 17879.67 39.24 17.88 Cooperative Banks 12448.00 13080.00 13930.00 6.50 16.82 9390.75 10041.32 10183.11 1.41 10.18 Others--KAMCO 100.00 920.00 1027.00 11.63 1.24 917.75 1145.62 1174.00 2.48 1.17 All Agencies 68102.00 72641.00 82810.00 14.00 100.00 84659.06 82009.00 100026.00 18.98 117.67 4. CD-RATIO 5. PERFORMANCE UNDER FINCIAL INCLUSION (No. of A/cs) CD Ratio During 2014-15 Cumulative 31-Mar-13 31-Mar-14 31-Mar-15 Deposit Credit Deposit Credit Commercial Banks 46.40 47.77 46.05 Commercial Banks 192086.14 88459.70 443677.00 53266.00 Regional Rural Bank 39.34 46.70 55.86 Regional Rural Bank 32007.94 17879.67 168534.00 14587.00 Cooperative Banks 84.10 81.12 71.24 Cooperative Banks 14293.70 10183.11 97120.00 13930.00 Others--KAMCO 48.20 56.12 47.67 Others 2463.00 1174.00 10797.00 1027.00 All Agencies 47.85 55.67 68.91 All Agencies 145147.00 100026.00 720128.00 82810.00 6. PERFORMANCE TO FULFILL TIOL GOALS (As on 31/03/2015) Priority Sector to Agr. Sector to Weaker Sections under DRI Scheme to Women Commercial Banks 77843.76 10.85 31871.02 9087.83 33099.76 5648.42 16.40 100.00 Nil Regional Rural Bank 11805.00 1.65 4147.00 1182.49 4216.00 719.45 N/A N/A N/A Nil Cooperative Banks 8698.23 1.21 2180.62 621.79 1264.99 215.87 N/A N/A N/A Nil Others 1174.85 0.16 9.94 2.83 37.53 6.40 N/A N/A N/A Nil All Agencies 717170.00 22.45 350.70 10.28 586.00 0.21 82.00 0.03 Nil 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Target Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach[%] in [Rs.'lakh] [Rs. 'lakh] [%] [Rs.'lakh] [Rs. 'lakh] [%] [Rs.'lakh] [Rs. 'lakh] [%] last 3 years 16