Executive Summary Kamrup district, once called Pragjyotishpur, the city of the Eastern light, is situated on the banks of the river Brahmaputra. The first impression of Kamrup is one of endless green landscapes with potential for agriculture, fisheries, weaving and multifarious activities. Kamrup district is situated between 25.46 and 26.49 North Latitude and 90.48 and 91.50 East Longitude. The district is bounded on the north by Udalguri and Baksa districts, on the south by the state of Meghalaya, on the east by Kamrup Metropolitan and Darrang districts and on the west by Goalpara and Nalbari districts. The Kamrup district (Rural) is situated in the central part of Assam on either side of river Brahmaputra. It is divided into 14 blocks (the 15th block, Goreshwar, now comes under the Bodo and Territorial Area District under BTC) and has 1037 inhabited villages. The total geographical area of the district is 3105 sq. km. The economy of Kamrup is both industry based and agrarian. The total population of the district is 15.17 lakh with a density of 489 per sq. km. The rural & urban population of the district is 13.75 lakh and 1.42 lakh respectively. Above 90% of the population reside in rural areas, with the total no. of cultivators and agricultural labourers at 1,85,803 and 99522 respectively. The cropping Intensity in the district is 115 %. Kamrup district falls in the Lower Brahmaputra Valley zone. The soil structure is mainly alluvial in nature. About 90% of the total population is mainly engaged in traditional agriculture, allied activities and non-farm and service related activities. A part of the population depends on traditional Muga, Mulberry Silk and brass-metal works and also as wage earners in the organized and unorganized sectors. There are 103 bank branches (CBs - 75 branches, Coop. Bank - 4 branches and RRB - 18 branches and Private Banks 6 branches) of various banks catering to the needs of the people in the district. The Potential Linked Credit Plan (PLP) of Kamrup district (Rural) envisages projections of `63900.95 lakh under various sectors during the year 2016-17. The credit flow to the agriculture and allied sector is projected to be `27582.89 lakh. Priority sectors have been classified taking into account the classifications in the revised Priority Sector Lending guidelines. Major Sectorwise analysis is given below: Credit Potential for Agriculture A potential of `27582.89 lakh has been envisaged under Agriculture sector, which has been grouped in three sub-sectors namely Farm Credit activities (` 24918.78 lakh), Agriculture Infrastructure activities (` 1698.86 lakh) and Ancillary activities (` 965.25 lakh). Subsistence farming is prevalent in most parts of the district. To improve the standard of living mono-cropped areas need to be converted to multiple cropping. A potential of ` 15291.42 lakh is identified for crop loans under this sector during the year 2016-17. The crop loan should be disbursed through Kisan Credit Cards (KCCs)s so that the farmers may get adequate amount of loan at the time of need. Awareness programme regarding KCC should be taken up by the Agriculture Extension Office at Block and Village Level Extension Workers (VLWs) as well as Banks. Banks/Departments should take active role in promoting Self Help Groups (SHGs) and Farmers Clubs (FCs) to inculcate repayment ethics and adoption of new technology and improved farm practices. Production and supply of bio-fertilizers and Integrated Pest Management practices need to be encouraged in the district for sustainable development. Water Resources A potential of ` 616.30 lakh is identified under this sector for the year 2016-17.The bank branches may play more proactive role for financing for Water Resources. 1
Farm Mechanization Farm mechanization helps in minimizing the cost of cultivation, increasing income, reducing drudgery in operations and increasing cropping intensity. Many Subsidy linked programmes like AACP are ongoing in the district. A potential of ` 2270.26 lakh is identified under this sector for the year 2016-17. Plantation and Horticulture Pineapple, Banana, Arecanut, Jackfruit, Potato, Papaya etc. are the major horticulture crops of the district. There also exist high scope for Medicinal and Aromatic Crops (MACs) and Sericulture. A potential of ` 1706.77 lakh is identified under this sector for the year 2016-17. Dairy Dairying is practiced by most of the small and marginal farmers and landless labourers as this activity provides economic security by serving as a hedge against crop failure. A potential of ` 1518.01 lakh is identified under this sector for the year 2016-17. Poultry Farming The district is suitable for poultry farming, particularly commercial broilers, and the activity has made fairly good progress in the past one year. A potential of ` 1654.62 lakh is identified under this sector for the year 2016-17. Storage Godowns & Cold Storage A potential of ` 1410 lakh is identified under this sector for the year 2016-17. Food and Agro processing A potential of ` 672 lakh has been envisaged under this sector. MSME Activities There is a good scope for MSME activities in the district. Handloom plays a major role in the district. A potential of ` 34267.64 lakh is identified under this sector for the year 2016-17. Export credit, Housing and Education The activities under the above sectors started picking up in the district with bank credit. A total of `840.80 lakh has been envisaged together for the above sectors. 2
Broad Sector wise PLP Projections 2016-17 District : KAMRUP RURAL Sr. No. A Particulars State : Assam (` lakh) PLP Projections 2016-17 Farm Credit i Crop Production, Maintenance, Marketing 15291.42 ii Term Loan for Agriculture and Allied activities 9627.36 Sub Total 24918.78 B Agriculture Infrastructure 1698.86 C Ancillary Activities 965.25 I Credit Potential for Agriculture (A+B+C) 27582.89 II Micro, Small and Medium Enterprises 34267.64 III Export Credit 16.00 IV Education 108.00 V Housing 716.80 VI Renewable Energy 50.42 VII Others 1148.00 VIII Social Infrastructure 11.20 Total Priority Sector (I to VIII) 63900.95 3
Appendix B to Annexure I SUMMARY OF SECTOR / SUB-SECTOR WISE PLP PROJECTIONS 2016-17 District : KAMRUP RURAL State : Assam ( ` lakh ) Sr. PLP Projections Particulars No. 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance, Marketing 15291.42 ii Water Resources 616.30 iii Farm Mechanization 2270.26 iv Plantation & Horticulture 1706.77 v Forestry and Wasteland Development 109.34 vi Animal Husbandry - Dairy 1518.01 vii Animal Husbandry - Poultry 1654.62 viii Animal Husbandry -Sheep/Goat/Piggery 1202.43 ix Fishery 433.32 x Others 116.31 Sub Total 24918.78 B Agriculture Infrastructure i Storage Facilities 1410.00 ii Land Development, Soil Conservation, Watershed Development 222.49 iii Others 66.37 Sub Total 1698.86 C Ancillary Activities i Agro & Food Processing Sector 672.00 ii Others 293.25 Sub Total 965.25 D Total Agriculture 27582.89 II Micro, Small and Medium Enterprises MSME - Term Loan 31660.60 MSME - Working Capital 2607.04 Total MSME 34267.64 III Export Credit 16.00 IV Education 108.00 V Housing 716.80 VI Renewable Energy 50.42 VII Others 1148.00 VIII Social Infrastructure 11.20 Total Priority Sector 63900.95 4
Map of the District 5
DISTRICT PROFILE 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 3105 No. of Sub Divisions 2 Agro-climatic Zone Lower Brahmaputra Valley No. of Blocks 14 Climate Sub tropical with semi-dry summer and cold in winter No. of Villages (Inhabited) 1037 No. of Panchayats 146 Soil Type Alluvial in nature 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 308684 Normal 2012 2013 2014 Actual Forest Land 70885 Rainfall [in mm] 1896 1578 1887 1706 Area Not Available for Cultivation 31671 Variation from Normal (-) 318 (-) 9 (-)190 Permanent Pasture and Grazing Land 12305 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 12212 Water [Ham] 118627 27780 90847 Cultivable Wasteland 3225 5. DISTRIBUTION OF LAND HOLDING Current Fallow 550 Holding Area Classification of Holding Other Fallow 582 Nos. % to Total Ha. % to Total Net Sown Area 177254 <= 1 Ha 161603 64 62569 25 Total or Gross Cropped Area 186647 >1 to <=2 Ha 55986 22 69963 28 Area Cultivated More than Once 9393 >2 Ha 34413 14 120116 47 Cropping Inensity [GCA/NSA] 105 Total 252002 100 252648 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 628954 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 185803 Population 1517 778 739 1375 142 Agricultural Labourers 99522 Scheduled Caste 108 55 53 Workers engaged in Household Industries 69106 Scheduled Tribe 182 92 90 Workers engaged in Allied Agro-activities 0 Literacy Rate 75.55 81.3 69.47 74.21 87.89 Other workers 274523 BPL 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 311 Having brick/stone/concrete houses Household having 230 Rural Households 280 Having source of drinking water 315 Having independent toilets Urban Households 31 Having access to banking services Having radio/tv sets 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 1130* Anganwadis Dispensaries 33 Villages having Agriculture Power Supply Primary Health Centres 21 Hospitals 1 No. of Post Offices (Rural) 210 Primary Health Sub-Centres 298 Hospital Beds 717 Villages having Banking Facilities 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos] Villages having Primary Health Centres Villages having Potable Water Supply Total N/P/K Consumption [MT] Certified Seeds Supplied [MT] 26633* Pumpsets Energised Agro Service Centres Villages connected with Paved Approach Roads Pesticides Consumed [MT] Soil Testing Centres [Nos] 13. IRRIGATION COVERAGE [Ha] Total Area Available for Irrigation (NIA + Fallow) Agriculture Tractors [Nos] Power Tillers [Nos] 309 1240 Plantation nurseries [Nos] Farmers' Clubs [Nos] Irrigation Potential Created Threshers/Cutters [Nos] Krishi Vigyan Net Irrigated Area(Total area irrigated at least 43828 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels Area irrigated by Wells Rural/Urban Mandi/Haat [Nos] Length of Pucca Road [Km] 1709* Wholesale Market [Nos] Godown [Nos] 60* Area irrigated by Tanks Length of Railway Line [Km] Godown Capacity[MT] 301756* Area irrigated by Other Sources Public Transport Vehicle [Nos] Cold Storage [Nos] 4* Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] Cold Store Capacity[MT] 11420* 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] 2012-13 2013-14 Avg. Yield [Kg/Ha] Food (Rice/Flour/Dal/Oil/Tea/Coffee) Crop Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) Sugarcane (Gur/Khandsari/Sugar) Autumn Paddy 14012 23004 8647 1642 Fruit (Pulp/Juice/Fruit drink) Summer Paddy 35022 96010 20652 2741 Spices (Masala Powders/Pastes) Winter Paddy 69839 161411 46163 2311 Dry-fruit (Cashew/Almond/Raisins) Rape & Mustard 8874 4554 513 Cotton (Ginnining/Spinning/Weaving) Pulses 6428 3950 614 Milk (Chilling/Cooling/Processing) Sugarcane 1047 40288 35135 Meat (Chicken/Motton/Pork/Dryfish) Animal feed (Cattle/Poultry/Fishmeal) 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] 27* Cattle - Cross bred 47847* 11916* 35931* Disease Diagnostic Centres [Nos] Cattle - Indigenous 520708* 285601* 235107* Artificial Insemination Centers [Nos] 53* Animal Markets [Nos] Milk Collection Centres [Nos] Fishermen Societies [Nos] Buffaloes 7099* 3575* 3524* Sheep - Cross bred 1308* 502* 806* Animal Breeding Farms [Nos] Animal Husbandry Tng Centres [Nos] Fish seed farms [Nos] Fish Markets [Nos] Sheep - Indigenous 27411* 10729* 16682* Dairy Cooperative Societies [Nos] Poultry hatcheries [Nos] 1 Goat 273808* 93454* 180354* Improved Fodder Farms [Nos] Slaughter houses [Nos] Pig - Cross bred 27962* 14340* 13622* 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 34820* 16099* 18721* Fish Production [MT] 19392 Per cap avail. [gm/day] Horse/Donkey/Camel Egg Production [Lakh Nos] Poultry - Cross bred Milk Production ['000 MT] 498244 Per cap avail. [nos/p.a.] Per cap avail. [gm/day] Poultry - Indigenous Meat Production [MT] Sources (if not mentioned against the respective item): Per cap avail. [gm/day] Item Nos. 1, 7 - Census 2011; Item Nos. 2, 5, 6, 12, 13,16 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 1, 3, 4, 7, 10,11, 14, 18 - Dir. of Eco. & Stat.; Items with * : Combined data Kamrup & Kamrup Metro 6
District - KAMRUP State - ASSAM Lead Bank - UCO BANK No. of Banks/Soc. Total BANKING PROFILE 1. NETWORK & OUTREACH (As on 31/03/2015) No. of Branches No. of non-formal agencies Per Branch Semiurban s mfis/mfo Househo Rural Urban SHGs/JLGs BCs/BFs Villages lds Commercial Banks 14 75 Nil Regional Rural Bank 1 18 Nil Apex Central Coop. Bank 1 4 3 1 Nil Coop. Agr. & Rural Dev. Bank Nil Nil Nil Nil Nil Primary Agr. Coop. Society Nil Nil Nil Nil Nil Others Private Banks 3 6 Nil Nil Nil All Agencies 19 103 Nil 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs.'000] 31-03-2013 31-03-2014 31-03-2015 Growth( Share(% 31-03-2013 31-03-2014 31-03-2015 Growth( %) ) %) Commercial Banks 23498000 Regional Rural Bank 3662400 Cooperative Banks 664300 Others All Agencies 27824700 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.'000] 31-03-2013 31-03-2014 31-03-2015 Growth Share 31-03-2013 31-03-2014 31-03-2015 Growth( (%) (%) %) Commercial Banks 3524147 5934878 11162900 88% Regional Rural Bank 1549788 2011908 2809700 40% Share(% ) 84 13 3 100 Share(% ) 79% 20% Cooperative Banks 246777 206998 122100 0% Others All Agencies 5320712 8153784 14094700 73% 100 4. CD-RATIO 5. PERFORMANCE UNDER FINCIAL INCLUSION (No. of CD Ratio During 2013-15 Cumulative 31-03-2013 31-03-2014 31-03-2015 Deposit Credit Deposit Credit Commercial Banks 42 44 48 Commercial Banks Regional Rural Bank 75 68 77 Regional Rural Bank Cooperative Banks 24 31 14 Cooperative Banks Others Others All Agencies 46 48 51 All Agencies 6. FORMANCE TO FULFILL TIOL GOALS (31/03/2015) Priority Sector Loans Loans to Agr. Sector Loans to Weaker Loans under DRI Loans to Women Amount % of Total Amount % of Amount % of Total Amount % of Total Amount % of [Rs.'000] Loans [Rs.'000] Total [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Total Commercial Banks 4941300 64 2468600 75% 5327900 82 37800 100% 1239300 89 Regional Rural Bank 2671500 35 789800 24% 1102800 17 NIL NIL 150100 11 Cooperative Banks 98600 1 17000 1% 43800 1 NIL NIL 400 Others - - - - - - - - - - All Agencies 7711400 100 3275400 100 6474500 100 37800 100 1389800 100 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[%] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. [%] [Rs.'000] [Rs. '000] [%] in last 3 Commercial Banks 654790 254630 39% 2548882 1246488 49% 4102800 1536400 37 Regional Rural Bank 218275 440087 202% 838432 582257 69% 1031400 341700 33 Cooperative Banks 52065 11824 23% 268588 13649 5% 199200 172500 87 Others 262700 140600 54 All Agencies 925130 706541 76% 3655902 1842394 50% 5596100 2191200 39 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Broad Sector Target Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach[%] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. [%] [Rs.'000] [Rs. '000] [%] in last 3 Crop Loan Term Loan (Agr) Total Agri. Credit 454985 200723 44% 2008300 1243300 62% 2277200 869900 38 48 MSME 343235 184034 54% 5500000 637700 12% 2250200 781000 35 34 Other Priority Sector 126910 321784 254% 600000 457100 76% 1068700 540300 51 127 Total Priority Sector 925130 706541 76% 8108300 2338100 50% 5596100 2191200 39 55 9. RECOVERY POSITION 2011-12 2012-13 2013-14 Average Demand Recovery Recovery Demand Recover Recovery Demand Recovery Recover Rec. [%] [Rs. '000] [Rs. '000] [%] [Rs. y [Rs. [%] [Rs. '000] [Rs. '000] y [%] in last 3 Commercial Banks Regional Rural Bank Cooperative Banks Others All Agencies Sources : Lead Bank ACP & SLBC 1% 41 101 38 54 55 8