1. Specific features of the district: EXECUTIVE SUMMARY The district has a unique identification because of its geographical location at the centre of the country and is well connected to all metropolis and big cities by road, rail and air. Nagpur City is the winter capital of the State and has contributed to a great extent in the socio- economic development of the State. Agriculture and allied activities, cotton ginning and spinning mills, chemicals and cast iron manufacturing units represent the special features of the district. Mandarin orange, a major horticulture crop which contributes to exports is largely grown in the district. Three thermal power stations at Koradi, Khaparkheda and Mauda generate thermal power and supply to the entire State. Coal and manganese ore mines are also situated in the district. Nagpur is a divisional head quarter and gate way to entire Vidarbha Region. The implementation of Multi Modal International Passenger and Cargo Hub (MIHAN) at Nagpur is in progress and its completion will boost the development of the district. The completion of this SEZ project will create various avenues for income generation and employment opportunities in the district. 2. Overall estimated potential of the district: The overall credit potential assessed for the district for the year 2016-17 is `2891.29 crore as against the potential estimated of `2126.34 crore for the year 2015-16. This has been assessed based on the infrastructure changes, availability and gaps in infrastructure and support services in the district. The achievement by all the banks in service area credit plan, various government supported programmes has also been taken in view while assessing the credit potential. Considering the focus of the Government in augmenting the credit flow to agriculture by banks, it is expected that the credit potential amounting to Rs 2891.29 crore will be exploited during the year 2016-17 3. Highlights of the development: The cultivation of oranges with the Israeli Method may be practised for more productivity and better management. The production of vegetables and floriculture in shade net and poly house with adequate credit from banks to the small and marginal will set the pace of development in the sector. The low off take of credit in land development, fisheries, forestry and renewable sources of energy/activities may be cause of concern. These sectors need to be focused for balanced sectoral growth in the district. There is a gap in demand supply position of milk in the district and keeping in view the promotional measures taken by the State Govt. and GoI, the dairy sector may flourish in the district with bank's credit support. 4. Policy initiatives and Govt. sponsored programmes: The Government of India, Reserve Bank of India, State Governments and NABARD have been taking a number of policy measures for the development of agriculture and rural sectors and accelerating credit flow. The important measures/initiatives/ innovations taken are given in Chapter 1 on Policy Initiatives. The Union Government has introduced a number of schemes aimed at poverty alleviation and generation of gainful employment. In 7
addition to the national level programmes, there are state level programmes designed to support and supplement the poverty alleviation efforts. Details of various Government sponsored programmes are given in chapter 2 on Government sponsored programmes involving bank credit. 5. The Highlights of PLP 2015-16 Total estimated credit potential for the district during the year 2016-17 is 2891.29 crore which is about 30 % more than the estimated credit potential for the year 2016-17. The crop loan constitutes 57 % of the total potential assessed for the year 2016-17 The potential under agriculture term loan has been assessed at `557.99 Crore The Micro, Small and Medium Enterprises (MSME) has a potential to create employment and absorb the labour. The PLP envisages credit flow of `136.87 crore under the sector. The potential under other priority sector has been assessed at `535.80 crore which constitutes 18.53 % of total credit potential assessed. ------- 8
THE BROAD SECTOR-WISE PROJECTIONS FOR 2015-16 WITH PIE DIAGRAM (` ` lakh) Sr. No. Particulars Financial projections % share of total projections 1 Short Term Credit (Crop Loan) 2 Term Investment for Agriculture and Allied Activities 3 166062.75 57.43 55799.53 19.29 Total Investment under Agriculture and Allied Activities (1+2) 221862.28 76.72 4 MSME (including Food and Agro Processing) 5 Other Priority Sector Total Priority sector (3+4+5) 13687.00 04.70 53580.07 18.53 289129.59 100.00 9
SUMMARY OF SECTOR/SUB-SECTOR WISE PLP PROJECTIONS FOR THE YEAR 2016-17 (` lakh) Sr. No. Description PLP Projections 1 Short Term Credit (Crop Loan) 166062.75 Agriculture Term Loan 2 Water Resources 8918.33 3 Land Development 2535.62 4 Farm Mechanisation 5638.06 5 Plantation and Horticulture 6340.47 6 Animal Husbandry - Dairy Development 8678.66 7 Animal Husbandry - Poultry Development 2383.89 8 Animal Husbandry - Sheep,Goat and Piggery development 3773.32 9 Fisheries Development 746.34 10 Forestry and Waste Land Development 1051.40 11 Storage Godowns and Market Yards 12183.50 12 Other Activities 3549.94 Total Agriculture Term Loan ( 2 to 14) 55799.53 Total Agriculture Credit ( Crop Loan + Term Loan ) 221862.28 13 MSME ( including Agro & Food Processing) 13687.52 14 Potential for Export credit 2700.00 15 Credit potential for Education 6300.00 16 Credit Potential for Housing 19440..00 17 Credit Potential for renewable energy 495.84 18 Credit Potential for others 24644.23 Other Priority Sector 53580.07 Total 289129.59 10
11
District Profile District: Nagpur State: Maharashtra Division: Nagpur 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 9892 No. of Sub Divisions 5 No. of Blocks 13 Climate Tropical Dry Sub-humid Climate No. of Villages (Inhabited) 1869 No. of Gram Panchayats 776 Soil Type Semi arid to dry sub humid 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 986383 Normal Actual Forest Land 158863 Rainfall [in mm] 1058 938 1139 1252 Area Not Available for Cultivation 86572 Variation from Normal 2 21 36 Permanent Pasture and Grazing Land 55143 Net annual recharge Net annual draft Balance Availability of Ground Water [Ham] Land under Miscellaneous Tree Crops 10180 - - - Cultivable Wasteland 41178 5. DISTRIBUTION OF LAND HOLDING Current Fallow 61642 Holding Area Classification of Holding Other Fallow 66554 Nos. % to Total Ha. % to Total Net Sown Area 534192 <= 1 Ha 41898 19 27920 5 Total or Gross Cropped Area 680400 >1 to <=2 Ha 72105 34 105769 18 Area Cultivated More than Once 146208 >2 Ha 101450 47 545446 77 Cropping Inensity [GCA/NSA] 127 Total 215453 100 678505 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 225 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 119 Population 4653 2384 2268 1474 3178 Agricultural Labourers 369 Scheduled Caste 867 439 428 234 633 Workers engaged in Household Industries 63 Scheduled Tribe 437 223 214 200 237 Workers engaged in Allied Agro-activities 23 Literate 4113 2196 1916 1207 2905 Other workers 383 BPL Families 520 - - 132760 119056 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 1041 Having brick/stone/concrete houses - Having electricity supply - Rural Households 339 Having source of drinking water - Having independent toilets - BPL Households 251 Having access to banking services - Having radio/tv sets - 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 1869 Anganwadis - Dispensaries 162 Villages having Agriculture Power Supply 1869 Primary Health Centres 49 Hospitals 37 Villages having Post Offices 270 Primary Health Sub-Centres 314 Hospital Beds 3084 Villages having Banking Facilities - 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools - Fertiliser/Seed/Pesticide Outlets [Nos] 1266 Agriculture Pumpsets[Nos] 39463 Villages having Primary Health Centres - Total N/P/K Consumption [MT] 93732 Pumpsets Energised [Nos] - 739 1147 Certified Seeds Supplied [MT] - Agro Service Centres [Nos] - Villages connected with Paved Approach Roads 739 Pesticides Consumed [MT] - Soil Testing Centres [Nos] - 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 7500 Plantation nurseries [Nos] 74 Total Area Available for Irrigation (NIA + Fallow) 149100 Power Tillers [Nos] - Farmers' Clubs [Nos] 150 Irrigation Potential Created 175271 Threshers/Cutters [Nos] - Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 123640 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 36100 Rural/Urban Mandi/Haat [Nos] 128 Wholesale Market [Nos] 10 Area irrigated by Wells 57500 Length of Pucca Road [Km] 11793 Godown [Nos] 80 Area irrigated by Tanks - Length of Railway Line [Km] 421 Godown Capacity[MT] 215000 Area irrigated by Other Sources - Public Transport Vehicle [Nos] 901502 Cold Storage [Nos] 13 Irrigation Potential Utilized (Gross Irrigated Area) 134000 Goods Transport Vehicle [Nos] 45026 Cold Store Capacity[MT] 55000 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] 2012-13 2013-14 Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) - - Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) Sugarcane (Gur/Khandsari/Sugar) 1 - Paddy 129200 88200 77800 126000 172500 Fruit (Pulp/Juice/Fruit drink) 2 - Jowar 5600 2500 6300 4200 85000 Spices (Masala Powders/Pastes) 2 - Tuwar 56800 24600 49300 34800 90000 Dry-fruit (Cashew/Almond/Raisins) - - Soybean 92700 115800 228500 156800 130000 Cotton (Ginnining/Spinning/Weaving) - - Cotton 183400 33000 116600 139200 35000 Milk (Chilling/Cooling/Processing) 7 - Wheat 156400 82300 79800 103500 170000 Meat (Chicken/Motton/Pork/Dryfish) Animal feed (Cattle/Poultry/Fishmeal) 25 - Gram 89000 53500 83900 66700 120000 - - Agro-climatic Zone Western Plateu and Hill Region Plateu Zone South Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 17. ANIMAL POPULATION AS PER CENSUS 2007 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 6 Animal Markets [Nos] - Cattle - Cross bred 40 - - Disease Diagnostic Centres [Nos] 1 Milk Collection Centres [Nos] - Cattle - Indigenous 128 - - Artificial Insemination Centers [Nos] - Fishermen Societies [Nos] 105 Buffaloes 99 - - Animal Breeding Farms [Nos] - Fish seed farms [Nos] 2 Sheep - Cross bred - - - Animal Husbandry Tng Centres [Nos] - Fish Markets [Nos] - Sheep - Indigenous 9 - - Dairy Cooperative Societies [Nos] 247 Poultry hatcheries [Nos] - Goat 333 - - Improved Fodder Farms [Nos] - Slaughter houses [Nos] 20 Pig - Cross bred - - - 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 9 - - Fish Production [MT] 8200 Per cap avail. [gm/day] - Horse/Donkey/Camel - - - Egg 12 Production [Lakh Nos] 216000 Per cap avail. [nos/p.a.] - Poultry - Cross bred 446 - - Milk Production ['000 MT] 17 Per cap avail. [gm/day] - Poultry - Indigenous - - - Meat Production [MT] 53 Per cap avail. [gm/day] - Sources (if not mentioned against the respective item): Avg. Yield [Kg/Ha] BPL Survey 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census 2007; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat.
Banking Profile District: Nagpur State Maharashtra Lead Bank: Bank of India 1. NETWORK & OUTREACH (As on 31/3/2015) No. of No. of Branches No. of non-formal agencies assoiated Per Branch Outreach Banks/Soc. Total Rural Semi-urban Urban mfis/mfos SHGs/JLGs BCs/BFs Villages Households Commercial Banks 17 474 145 58 271-16392 214 - - Regional Rural Bank 1 11 6 3 2-63 28 - - District Central Coop. Bank 1 74 64 10-4088 - - - Coop. Agr. & Rural Dev. Bank - - - - - - - - - - Primary Agr. Coop. Society 594 - - - - - - - - - Others - - - - - 6 - - - - All Agencies 613 559 215 71 273 6 20543 242 1866 460309 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs. 31-Mar-13 31-Mar-14 31-Mar-15 Growth (%) Share (%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) Commercial Banks 497824 577580 828347 13.46 99.76 445916 577280 4209660 13.46 99.76 Regional Rural Bank 2253 4171 1652 37.84 0.23 3504 4171 9755 37.84 0.23 Cooperative Banks 77090 61831 90895 63554 61831 0 Others 0 0 0 0 0 0 0 0 0 0 All Agencies 577167 643282 920894 11 100 512974 643282 4219415 11 100 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs. 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) Commercial Banks 142761 219058 242685 10 75.00 178285 219058 2411080 9 99.00 Regional Rural Bank 2419 6442 427 2.00 5239 6442 17225 37 1.00 Cooperative Banks 25195 65293 23.00 60908 65293 Others 0 0 0 0 0 0 0 0 0 0 All Agencies 170375 290793 243112 10 100 244432 290793 2428305-11 100 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During 2011-12 Cumulative 31-Mar-13 31-Mar-14 31-Mar-15 Deposit Credit Deposit Credit Commercial Banks 47 37.95 58 Commercial Banks 294787-294787 - Regional Rural Bank 150 154.45 177 Regional Rural Bank - - - - Cooperative Banks 96 105.6 Cooperative Banks 44271-44271 - Others - - - Others - - - - All Agencies 48 45 58 All Agencies 339058-339058 - 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/3/2015) Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Amount % of Total Amount [Rs. % of Total Amount Amount [Rs. % of Total Amount [Rs. % of Total Loans % of Total Loans Loans Loans [Rs. Loans [Rs. Commercial Banks(including RRB) 2015493 83 1572084 78 1168985 58 20000 1 564338 38 Cooperative Banks 0 0 0 0 0 0 Others 0 0 0 0 0 0 0 0 0 All Agencies 2015493 83 1572084 78 1168985 58 20000 1 564338 38 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Target Ach'ment Ach'ment [Rs. Ach'ment [%] Ach'ment [%] Target [Rs. Ach'ment [%] [Rs. [Rs. Commercial Banks (including RRB) 88656 64751 73 125391 83117 68 175675 58092 33 86 Regional Rural Bank - - - - - - - - - - Cooperative Banks 34572 30281 88 20160 19611 97 87 Others - - - - - - - - - - All Agencies 123228 95032 77 14551 102728 71 175675 58092 33 84 Broad Sector 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Target Ach'ment Ach'ment [Rs. Ach'ment [%] Ach'ment [%] Target [Rs. Ach'ment [%] [Rs. [Rs. Crop Loan 64235 67704 105 84025 69921 83 102200 86355 84 95 Term Loan (Agr) 26020 10098 39 25138 12793 51 20278 18469 91 96 Total Agri. Credit 90255 77802 86 109163 82714 76 122478 104824 83 95 Non-Farm Sector/SSI 8092 6074 75 10379 7695 74 14931 20727 139 82 Other Priority Sector 24881 11156 45 26009 12319 47 33588 33618 100 46 Total Priority Sector 123228 95032 77 145551 102728 71 156066 138442 88.7 84 Target [Rs. Target [Rs. Demand [Rs. Ach'ment [Rs. Ach'ment [Rs. ' 9. RECOVERY POSITION Recovery [Rs. Demand [Rs. Recovery Recovery [%] Recovery [%] Demand [Rs. [Rs. Commercial Banks 28589.56 16904.49 59 30019.11 17749.77 59 30019.11 17749.77 62 60 Regional Rural Bank 6.55 4.46 68 6.88 4.69 68 6.88 4.69 66 67.33 Cooperative Banks 42403.68 24560.79 58 44523.87 25788.83 58 44523.87 25788.83 60 58 Others 0 0 0 0 0 0 0 0 0 0 All Agencies 70999.79 41469.74 58 74549.86 43543.29 58 74549.86 43543.29 58 58 14 Recovery [Rs. Recovery [%] Average Ach[%] in last 3 years Average Ach[%] in last 3 years Average Rec. [%] in last 3 years