EXECUTIVE SUMMARY

Salient Feature of District

Srikakulam is one of the thirteen districts in the State of . The district was carved out from Visakhapatnam District in 1950. The district is located in the North eastern part of the State spread over an area of 5837 square kms covering 38 Mandals with 1863 revenue villages, 1763 villages electrified and 1260 villages connected by all-weather roads and all villages having potable water supply. The net irrigated area is 58.47% of net sown area. Total population of the district is 27.03 lakh of which 61.74% are literate. There are 5.26 lakh farmers in the district out of which 4.98 lakh are small and marginal farmers (1-2 ha) and 0.28 lakh are other farmers (more than 2 ha). Out of the total land holdings of 3.49 lakh ha, the SF/MF holdings constitutes 2.55 lakh ha and other farmer constitute 0.95 lakh ha. It has a seacoast of 193 kms. Paddy is the main crop and 75% of the crop loan goes to this crop. Cash crops like groundnut, mesta, cashew, chillies, oilseeds, pulses and sugarcane are also grown in the district. Coconut, mango and guava are the major horticulture crops. Dairy development, sheep rearing and fisheries are other important activities in the district. The sources of irrigation are canals, tanks, tubewells, and other wells and lift irrigation. The predominant industrial activities in the district are pharmaceutical industries, sugar, pig iron and piston rings, dyestuffs, cables and conductors and liquid glucose extraction. The rainfall during 2014-15 was 1189.7 mm as against normal rainfall of 1162 mm.

Banking Profile: The total credit potential for 2014-15, under priority sector for was estimated at `333,754.00 lakh registering a growth rate of 53%. The target under GLC for 2015-16 was `389,559.00 lakh as against PLP projections of `451,625.81 lakh.

The district has a banking network of 188 branches of 25 Commercial and two private banks, 89 branches of Regional Rural Bank (APGVB), 16 branches of District Central Cooperative Bank and 49 PACS. There are 2 farmers’ services cooperative societies. The number of rural branches stood at 139, semi-urban at 96 and urban branches at 37. The credit disbursements by all the agencies in the district during 2014-15 had declined by 11.2% when compared to the 2013.14. The Commercial Banks had contributed 76.8% of the credit flow to priority sector, the share of RRB and DCCB were being 16.73% and 6.47% of the credit flow, respectively. The total deposits and loans outstanding of all the banks in the district were `551,979.79 lakh and `516,298.09 lakhs respectively as on 31 March 2015. The CD ratio of commercial banks was 108.05%, RRB 111.45% and DCCB 444.27% as on 31 March 2015.

Estimated potential for priority sector for 2016-17

During 2012-13 the base PLP-2012-17 with particular reference to 2015-16, coinciding with XII Five Year Plan was prepared. Keeping in view the changes in the scale of finance and unit cost of various agriculture inputs and also the emphasis laid by GOI on agriculture term loans the total priority sector target potentials estimated at `5,14,323.36 lakh for the year 2016-17 against the Base PLP target of `437,565.72 lakh. The crop loan which includes pledge loan and SF/MF loans was projected at `241,709.77 lakh for 2016-17 as against `236,271.43 lakh in Base PLP. This shows an increase trend in credit flow due to increase in scales of finance and Vaddileni Runalu scheme of State Government. During the 2016-17 banks had achieved 43% under ACP crop loan. The projections under Water Resources at `10739.94 lakh, Farm Mechanization at `10362.80 lakh, Plantation and Horticulture `4927.00 lakh, Animal Husbandry at `32,784.35 lakh, Fisheries `,323.09 lakh Agriculture Infrastructure at `18,879.17 lakh, MSME `44,153.64 lakh, Housing Loan `14,146.83 lakh, Education `5,906.25 lakh, Social Infrastructure at `954.00 lakh and Renewable sources `1,760.43 lakh. The total term lending projected for 2016-17 at `103,796.52 lakh as against Base PLP projections of `56,278.00 lakh. The projections were prepared taking into account change average of five years of GCA and area of SF/MF, increased unit costs and GOI/State Government subsidy schemes which has necessitated revision in certain sectors. The base PLP-2015-16 vis-à-vis the moderated PLP-2015-16 figures were furnished under respective chapters/sectors/sub-sectors in the PLP-2015-16.

4. Highlights of issues/potentials in the district

 Crop loans in the district accounts for more than 50% and for diversification of other fruit bearing orchards like cashew, mango, and coconut should be encouraged.  Around 80% of the mandals in the district were devastated by Hudhud cyclone and severe floods during October-November. Paddy and horticultural crops, viz., coconut, banana and cashew were destroyed to a large extent. Infrastructure like rural godowns, proper management and utilization of water by construction of small reservoirs for diverting excess river water for irrigation, judicious use of water during drought by propagating drip and sprinkler irrigation systems among the farmers and agri-markets will go a long way in reducing the loss of major crops in the district.  Keeping in view, a storage gap of around seven lakh MTs, banks should come forward and encourage financing rural godowns along with introduction of Negotiable Warehouse System in the district which will result in increased ATL lending and reduce the loss of distress sale.  Banks should come forward to lend for farm mechanization sector which result in obviating shortage in farm labour.  There is lack of infrastructure for undertaking preservation and processing activities of horticulture crops, viz., oil palm, cashew, pineapple, mango, banana, tomato, turmeric and ginger which are grown in large quantity. FPOs/clusters can be promoted for horticulture sector.  Propagation of custom hiring among small and marginal farmers by promoting agri- business custom hiring is required.  More number of dairy processing units are to be established.  There is a need to encourage entrepreneurs in agro-processing both by banks as well as other developmental agencies.  Keeping in view the GOAP Vision 2020 plan, credit to other priority sectors, viz., transport operators, retail trade have to be increased by the banks.  There is a need for development of training and marketing infrastructure in the district to enable the SHGs to take up micro enterprise activities and market their produce.  LEC cardholders have to be financed by the banks on a large scale. There is a need to form homogeneous groups preferably exclusive groups for small, marginal and tenant farmers through reorganization of existing groups, capacity building and to take necessary measures to strengthen the scheme including sensitization of stakeholders. JLGs are to be promoted by the banks on a large scale.  The thrust areas, viz., JLG/SHG financing, Weaver Cards, SCC, post-harvest infrastructure, education, housing, food processing, FPO and Area Development Schemes have to be given top priority to increase the Priority Sector lending.  Large number of producer companies can be promoted to tap the societies undertaking activities, viz., hill-broom making, coconut processing, cashew, pineapple, mango, bamboo articles, aloe-vira gel, mushroom cultivation, floriculture and jute bag making will result in increasing the income level of farmers and tribal people.

Broad Sector wise PLP projections – 2016-17 (` lakh) Sr.No. Particulars Projections 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 241709.77 ii Term Loan for Agriculture and Allied activities 94447.89 B Agriculture Infrastructure 5260.14 C Ancillary activities 4088.49 I Credit Potential for Agriculture (A+B+C) 345506.29 II Micro, Small and Medium Enterprises 44153.64 III Export Credit 0.00 IV Education 5906.25 V Housing 14146.83 VI Renewal Energy 1760.43 VII Others 101895.92 VIII Social Infrastructure involving bank credit 954.00 Total Priority Sector (I to VIII) 514323.36

Summary of Sector / Sub-sector wise PLP projections - 2016-17

(` lakh) No. Particulars Projections 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance, Marketing & NWR financing 241,709.77 ii Water Resources 10,739.94 iii Farm Mechanisation 10,362.80 iv Plantation and Horticulture 4,927.00 v Forestry and Waste Land Development 1,063.17 vi Animal Husbandry – Dairy 24,043.97 vii Animal Husbandry – Poultry 3,990.47 viii Animal Husbandry – Sheep, Goat and Piggery 4,749.91 ix Fisheries 3,323.09 x Others – Bullock, Bullock Cart, etc. 17,350.19 Sub-Total 322,260.31 B Agriculture Infrastructure Construction of storage facilities (Warehouses, Market Yards, i 5,260.14 Godowns, Silos, Cold storage units/Cold storage chains) ii Land development, Soil conservation, Watershed development 8,785.07 Others (Tissue culture, Agri bio-Technology, Seed production, Bio- iii 4,833.96 pesticides/fertilisers, Vermin composting) C Ancillary activities i Food and Agro Processing 4,088.49 Others (Loans to Cooperative Societies of farmers for disposing of ii their producer, Agri Clinics/Agri Business Centres, Loans to 278.32 PACS/FSS/LAMPS, Loans to MFIs for on lending) Total Agriculture 345,506.29 II Micro, Small and Medium Enterprises i MSME – Working Capital 26,986.92 ii MSME – Investment Credit 17,166.72 III Export Credit -- IV Education 5,906.25 V Housing 14,146.83 VI Renewable Energy 1,760.43 Others (Loans to SHGs/JLGs, loans to distressed persons to prepay VII non-institutional lenders, PMJDY, loans to state sponsored 101,895.92 organisations for SC/ST) VIII Social Infrastructure involving bank credit 954.00 Total Priority Sector 514,323.36

At a Glance

Total Geographic Area : 5.837 lakh ha Gross Cropped Area : 4.135 lakh ha Coastline : 193 km River : Vamsadhara & Nagavali Percentage area under agri and allied activities : 78.61%

Major Crops/ Activities Production (in Million MTs.) 2014-15

Paddy Fish 0.90 0.00.00.060.0 666 Mango Sugarcane 0.13 0.43 Coconut 153.70 Mln No. nuts

Agricultural Research Stations Ragolu & KVK Amadalavalasa

PLP 2016-17 Srikakulam

DISTRICT PROFILE DISTRICT : SRIKAKULAM STATE : ANDHRA PRADESH 1. PHYSICAL & ADM INISTRATIVE FEATURES 2. SOIL & CLIM ATE

Total Geographical Area (Sq.km) 5837 Agro-climatic Zone North Coastal Zone and Hilly Tribal Zone No. of Sub Divisions 3

No. of Blocks 38 Climate Hot and Humid

No. of Revenue Villages 1863 Soil Type Sandy, Red and Clay Soils No. of Panchayats 1101

3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER

Total Area Reported 583702 Normal 2012-13 2013-14 2014-15 Actual Forest Land 68641 Rainfall [in mm] 1162 1262 1211 1189.7

Area Not Available for Cultivation 48500 Variation from Normal (-)278 (+)100 (+)27

Permanent Pasture and Grazing Land 942 Net annual recharge Net annual draft Balance Availability of Ground Water [Ham] Land under M iscellaneous Tree Crops 7451 975.48 270.32 705.16

Cultivable Wasteland 525 5. DISTRIBUTION OF LAND HOLDING

Current Fallow 33920 Holding Area Classification of Holding Other Fallow 14838 Nos. % to Total Ha. % to Total

Net Sown Area 327580 <= 1 Ha 427440 82 157500 45

Total or Gross Cropped Area 413545 >1 to <=2 Ha 70890 13 97250 28

Area Cultivated M ore than Once 25802 >2 Ha 27540 5 94670 27

Cropping Inensity [GCA/NSA] 126 Total 525870 525870 100 349420 100

6. WORKERS PROFILE [in '000] 7. DEM OGRAPHIC PROFILE [in '000]

525 Cultivators Category Total M ale Female Rural Urban

473 Of the above, Small/M arginal Farmers Population 2703 1342 1361 2267 436 557 Agricultural Labourers Scheduled Caste 255 125 130 214 41

35 Workers engaged in Household Industries Scheduled Tribe 166 81 85 160 6

77 Workers engaged in Allied Agro-activities Literate 1495 858 637 1186 309

323 Other workers BPL 1622 NA NA NA NA

8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AM ENITIES [Nos. in '000 Households]

Total Households 681 Having brick/stone/concrete houses 542 Having electricity supply 594

Rural Households 572 Having source of drinking water 292 Having independent toilets 104

BPL Households 375 Having access to banking services 572 Having radio/tv sets 1021

10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos]

Villages Electrified 1761 Anganwadis 4086 Dispensaries 74

Hospitals includs Villages having Agriculture Power Supply 1761 Primary Health Centres 86 106 homoeopathy

Villages having Post Offices 561 Primary Health Sub-Centres 476 Hospital Beds 1448

Villages having Banking Facilities 228 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE

Villages having Primary Schools 1716 Fertiliser/Seed/Pesticide Outlets [Nos] 583 Agriculture Pumpsets[Nos] 11595

Villages having Primary Health Centres 376 Total N/P/K Consumption [M T] 11472 Pumpsets Energised [Nos] 5465

Villages having Potable Water Supply 689 Certified Seeds Supplied [M T] 10625 Agro Service Centres [Nos] 4

Villages connected with Paved Approach Roads 1260 Pesticides Consumed [M T] 10 Soil Testing Centres [Nos] 1

13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 409 Plantation nurseries [Nos] 1

Total Area Available for Irrigation (NIA + Fallow) 220663 Power Tillers [Nos] 51 Farmers' Clubs [Nos] 521

Irrigation Potential Created 185671 Threshers/Cutters [Nos] 1612 Krishi Vigyan Kendras[Nos] 1

Net Irrigated Area(Total area irrigated at least once) 191543 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & M ARKETING

Area irrigated by Canals / Channels 105874 Rural/Urban M andi/Haat [Nos] 14 Wholesale M arket [Nos] 13

Area irrigated by Wells 7817 Length of Pucca Road [Km] 5514 Godown [Nos] 5

Area irrigated by Tanks 70095 Length of Railway Line [Km] 133 Godown Capacity[M T] 81180

Area irrigated by Other Sources 1198 Public Transport Vehicle [Nos] 15891 Cold Storage [Nos] 1

Irrigation Potential Utilized (Gross Irrigated Area) 185671 Goods Transport Vehicle [Nos] 8341 Cold Store Capacity[M T] 3600

15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF M AJOR CROPS

Type of Processing Activity No of units Cap.[M T] 2013-14 2014-15 Crop Avg. Yield [Kg/Ha] Food (Rice/Flour/Dal/Oil/Tea/Coffee) 1412 998 Area (Ha) Prod. (M T) Area (Ha) Prod. (M T)

Sugarcane (Gur/Khandsari/Sugar) 1 2500 Paddy 210365 852403 210215 901342 4288

Fruit (Pulp/Juice/Fruit drink) NIL NIL Ground nut 21087 23423 8654 8001 925

Spices (M asala Powders/Pastes) 235 NA M inor M illets 1535 2598 1401 1924 4565

Dry-fruit (Cashew/Almond/Raisins) 208 850 Sugarcane 10111 521627 6378 430515 67500

Cotton (Ginnining/Spinning/Weaving) NA NA M esta 4813 7075 2487 4041 1525

M ilk (Chilling/Cooling/Processing) 13 53 Sesamum 5850 1635 6989 2446 350

M eat (Chicken/M otton/Pork/Dryfish) NIL NIL Pulses 69437 39540 79249 41960 1980

Animal feed (Cattle/Poultry/Fishmeal) 15 NA Production of Cotton(lint), Jute, M esta & Sanhemp are in Bales(177.8 kg per bale in )

17. ANIM AL POPULATION AS PER CENSUS 2012 [in '000] 18. INFRASTRUCTURE FOR DEVELOPM ENT OF ALLIED ACTIVITIES

Veterinary Hospitals/Dispensaries [Nos] Animal M arkets [Nos] Category of animal Total M ale Female 196 10 M ilk Collection Centres Cattle - Cross bred 429708 129191 300517 Disease Diagnostic Centres [Nos] 1 [Nos] 917 Artificial Insemination Centers [Nos] Fishermen Societies [Nos] Cattle - Indigenous 363757 132958 230779 179 125 Buffaloes 126861 34382 92479 Animal Breeding Farms [Nos] Fish seed farms [Nos] Nil 2 Sheep - Cross bred 1765 760 1005 Animal Husbandry Tng Centres [Nos] 1 Fish M arkets [Nos] 7

Sheep - Indigenous 571356 142002 429354 Dairy Cooperative Societies [Nos] 52 Poultry hatcheries [Nos] NIL

Goat 212229 66888 145411 Improved Fodder Farms [Nos] Nil Slaughter houses [Nos] 11

Pig - Cross bred 373 158 215 19. M ILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY

Production [M T] Per cap avail. [gm/day] Pig - Indigenous 3623 1776 1847 Fish 63805 16 Production [Lakh Nos] Per cap avail. [nos/p.a.] Horse/Donkey/Camel 18 14 4 Egg 1309 42 Production ['000 M T] Per cap avail. [gm/day] Poultry - Cross bred 68287 4 37107 M ilk 445 137 Production [M T] Per cap avail. [gm/day] Poultry - Indigenous 1714505 413074 515564 M eat 16000 10

Sources (if not mentioned against the Item Nos. 1, 6, 7, 9 & 10 - Census 2011; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item No. 8 - BPL Survey respective item): 2012; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census 2012; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat.

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PLP 2016-17 Srikakulam

Banking Profile

District - SRIKAKULAM State - ANDHRA PRADESH Lead Bank - ANDHRA BANK

1. NETWORK & OUTREACH (As on 31/03/2014) No. of Branches No. of non-formal agencies assoiated Per Branch Outreach Agency No. of Banks/Soc. Household Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages s Commercial Banks 25 149 66 73 24 10 8130 237 7 5328 Regional Rural Bank 1 89 70 12 7 NIL 10065 322 22 9100 District Central Coop. Bank 1 16 3 11 2 13 NIL 125 45642 NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL Coop. Agr. & Rural Dev. Bank

Primary Agr. Coop. Society 49 NIL 49 NIL NIL NIL NIL NIL 36 13109 Others private banks 2 18 NIL NIL 4 NIL NIL NIL NIL NA All Agencies 78 272 188 96 37 10 18208 559 9 2348 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs. Cores) Agency 31 Mar 13 31 Mar 14 31 Mar 15 Growth(%) Share(%) 31 Mar 13 31 Mar 14 31 Mar 15 Growth(%) Share(%) Commercial Banks 1048702 3158319 3244983 2 77.14 3207.41 3785.59 4483.93 18.47 81.25 Regional Rural Bank 552032 617723 840864 36.15 19.98 613.43 751.85 936.55 24.6 16.96 Cooperative Banks 61797 78753 120650 53.2 2.88 64.77 88.44 99.31 12.29 1.79 Others NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL All Agencies 1662531 3854795 4206497 13.1 100 3885.61 4625.88 5519.79 19.05 100 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs. Crores] Agency 31 Mar 13 31 Mar 14 31 Mar 15 Growth(%) Share(%) 31 Mar 13 31 Mar 14 31 Mar 15 Growth(%) Share(%) Commercial Banks 301632 323990 488105 50.7 53.00 2974.48 3459.87 3965.79 14.62 76.80 Regional Rural Bank 124148 128457 125267 -2.53 21.20 654.24 785.07 863.62 9.92 16.73 Cooperative Banks 151041 156487 153683 -1.8 25.80 312.10 386.99 333.57 -16.00 6.47 Others (APSFC) NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL All Agencies 576821 608934 767055 100 3940.82 4631.93 5162.98 (-)11.20 100 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During 2014-15 Cumulative Agency Agency 31 Mar 13 31 Mar 14 31 Mar 15 Deposit Credit Deposit Credit Commercial Banks 90.18 91.26 108.05 Commercial Banks 86664 164115 3244983 488105 Regional Rural Bank 101 104.42 111.45 Regional Rural Bank 223141 NIL 840864 126267 Cooperative Banks 445 437.58 444.27 Cooperative Banks 41897 NIL 120650 153683 Others NIL NILl NILl Others NIL NIL NIL NIL All Agencies 104 104.04 104.04 All Agencies 351702 164115 4206497 768055 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Agency Amount % of Total Amount % of Total Amount % of Total Amount % of Total Amount % of Total [Rs.crores] Loans [Rs.crores] Loans [Rs.crores] Loans [Rs.crores] Loans [Rs.crores] Loans

Commercial Banks 1348.45 48.69 648.67 61.90 174.12 62.60 1.47 100 133.06 98.89 Regional Rural Bank 447.83 22.20 187.2 18.00 4.00 6.60 NIL NIL 1.5 1.11 Cooperative Banks 208.8 29.11 208.04 20.10 100.11 30.80 NIL NIL 0 NIL Others NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL All Agencies 2005.08 100.00 1043.91 100.00 278.23 100.00 1.47 100.00 134.96 100.00 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Ach[%] in Agency Ach'ment Target Ach'ment [Rs. Ach'ment Target Ach'ment Ach'ment Target [Rs.'000] Ach'ment [%] last 3 [Rs. '000] [Rs.crore] Crore] [%] [Rs.crore] [Rs. Crore] [%] years Commercial Banks 1503.98 1490 99.09 1893.32 1187.44 62.72 2163.31 1348.45 62.33 158.08 Regional Rural Bank 283.37 427.24 150.77 686.25 459.31 66.93 376.30 447.83 19.80 136.99 Cooperative Banks 730.69 517.52 70.83 286.63 692.26 241.52 797.93 208.80 26.17 291.29 Others (APSFC) NIL NIL NIL NIL 7.50 NIL NIL NIL All Agencies 2518.04 2435.03 96.70 2866.20 2346.51 81.87 3337.54 2005.08 60.08 174.18 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Ach[%] in Broad Sector Ach'ment Target Ach'ment [Rs. Ach'ment Target Ach'ment Ach'ment Target [Rs.'000] Ach'ment [%] last 3 [Rs. '000] [Rs.crore] Crore] [%] [Rs.crore] [Rs. Crore] [%] years Crop Loan 1003.27 1297.49 129.33 1435.80 1766.75 123.05 1722.39 742.71 43.12 98.50 Term Loan (Agr) 559.72 698.43 124.78 628.16 170.80 27.19 697.49 301.21 43.18 65.05 Total Agri. Credit 1562.99 1995.91 127.70 2063.96 1937.56 93.88 2419.88 1043.92 43.14 88.24 Non-Farm Sector 202.88 81.76 40.30 213.03 109.16 51.24 234.35 141.51 60.38 50.64 Other Priority Sector 752.17 357.36 47.51 589.21 299.79 50.88 683.31 818.92 119.85 72.75 Total Priority Sector 2518.04 2435.03 96.70 2866.20 2346.51 81.87 3337.54 2004.35 60.05 79.54 9. RECOVERY POSITION 30/06/2011 30/06/2012 30/06/2013 Average Rec. [%] Agency Demand [Rs. Recovery Demand Recovery [Rs. Recovery Demand [Rs. Recovery Recovery Recovery [%] in last 3 '000] [Rs. '000] ['000] '000] [%] '000] [Rs. '000] [%] years Commercial Banks NA NA NA NA NA NA Regional Rural Bank 3131979.00 2669023.00 85.22 5941077.00 5115655.00 86.11 6344273.00 5554116.00 87.55 86.29 Cooperative Banks 1624818.00 1521065.00 93.61 2295813.00 2071786.00 90.24 3537730.00 3002884.00 84.88 89.58 Others NIL NIL NIL NIL NIL NIL NIL All Agencies NA NA NA NA NA NA NA

Sources : Lead Bank & SLBC

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