PLP 2016-17

EXECUTIVE SUMMARY

District Profile Visakhapatnam has two distinct geographic divisions – 32 plain Mandals in North coastal zone and 11 tribal agency Mandals in High altitude tribal zone. The geographical area of the district is 11161 sq.kms and the district is divided into 3 revenue divisions viz., Visakhapatnam, Narsipatnam and Paderu. The population of the district as per 2011 census was 42.92 lakh, which was 4.56 lakh higher than the population of 2001 Census, constituting a decadal growth of 11.9% as against State’s decadal growth of 11.10%.

The district has 43 Mandals. The average annual rainfall of the district is 1202 mm. The major soil types are Red soils, loamy, coastal sands and alluvial soils. 55% of the rainfall is received through South West Monsoon and 12% through North East Monsoon. Agriculture is the main stay of the economy of , with 90% of the farmers being small and marginal farmers. The main crops grown in the district are Rice, Sugarcane and minor Millets. Total Gross Cropped and Net Cropped area is 3.69 lakh ha and 2.87 lakh ha respectively. The district has a good industrial base and is studded with major, medium, small and micro enterprises. The industry and services contribute 91% of the Gross District Domestic Product. Banking Profile The banking network of the district consists of 44 Commercial Banks, one RRB (APGVB) and one DCCB (Visakhapatnam DCCB) with 576, 77 & 28 branches, respectively. Of the total branches of 681, 186 are rural branches, 84 semi-urban, 116 urban and 295 Metro. In addition, there are 98 Primary Agricultural Credit Societies affiliated to the DCCB.

The total deposits and advances of CBs, RRBs & DCCB stood at `33961.65 crore and `23946.69 crores respectively, as on 31 March 2015. The same have grown at 22% and 8% respectively over the previous year. The CD ratio of all the banks put together stood at 71% as on 31 March 2015. As against ACP 2014-15 target of `5376.96 crore under priority sector, the achievement as at the end of 31 March 2015 was `2503.11 crore ie., 47%. Achievement under agricultural sector was 71% and the agency-wise achievement was 61%, 21% and 18% by the SCBs, RRB and DCCB respectively.

PLP projection for 2016-17 NABARD, in the year 2012-13, had prepared Base PLP for five years co-terminus with the XII Five Year Plan (2012-17). The Base PLP projected a five year credit potential under priority sector covering Primary, Secondary and Tertiary sectors, with emphasis on the Primary sector. Taking into account the changes in the composition of priority sector brought in by the Reserve Bank of , the composition of PLP has also been changed and presented under Farm Credit, Agriculture Infrastructure, Ancillary Activities, Micro, Small and Medium Enterprises (MSME), Export Credit, Education, credit for Housing, Renewable Energy, and others.

The total credit potential for 2016-17 under priority sector for Visakhapatnam district is estimated at `10667 crore. A potential of `2963 crore has been estimated for agriculture credit (28%) followed by `2850 crore (27%) for MSME sector, `1774 crore for Housing (17%), `1500 crore (14%) for Export Credit, `653.50 crore (6%) for Education, `904.13 crore (8%) for others (including lending to SHGs), `14.64 crore for Social Infrastructure and `7.58 crore for Renewal Energy.

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PLP 2016-17 Visakhapatnam

Sector wise credit potential and critical interventions

(a) Crop production: Short term credit for crop production plays important role in changing the face of economic scenario of the district. Supply of quality seeds, coverage of non-loanee farmers and financing tenant farmers through JLG/LCEC mode, implementation of revised KCC norms, seed replacement, strong extension system, utilization of extension officers exclusively for extension job, mechanization of agriculture through setting up custom hiring centers, etc., will enhance the credit flow under crop production. A credit potential of `1992.38 crore has been assessed for the activity for the year 2016-17. (b) Water Resources: Revival of non-working LI schemes, Rejuvenation of existing MI tanks, energization of more number of pumpsets, encouraging solar irrigation pumpsets, and creation of awareness on conjunctive use of water, etc., are important steps for tapping the available potentials under the sector. A credit potential of `41.28 crore has been assessed for the activity for the year 2016-17. (c) Farm Mechanization: In order to encourage mechanization in agriculture, more focus is to be on usage of farm implements, graders, cleaners, threshers, rotovators, pulvariser, conoweeders, drum seeder, translators and other implements. A credit potential of `105.72 crore has been assessed for the activity for the year 2016-17. (d) Plantation and Horticulture: Horticulture is one of the thrust areas in the overall development of the Visakhapatnam district and sustainable development of Horticulture is aimed at by increasing area, productivity, by encouraging post- harvest management in Horticulture sector. Ample scope exists for expanding the cold storage capacity, quality planting material, processing units, grading packing and marketing facilities. Keeping in view the requirements of the sector, a credit potential of 79.15 crore (including Sericulture) has been assessed for 2016-17. (e) Animal Husbandry: Activities having scope for tapping by adopting banking plan are dairy development and calf rearing. Creation of awareness among the rural populace on the importance of dairying as a livelihood activity will have large positive impact on the sector. The other intervention which will have impact on the sector is promotion of calf-rearing. An amount of `138.79 crore, `38.22 crore and `24.66 crore has been assessed for Dairy, Poultry and Sheep & Goat. (f) Fisheries: Visakhapatnam stood first in marine fish production and fifth in terms of overall fish production in 2013-14. Financing of activities under marine fisheries, working capital for Marine fishing units, brackish water prawn culture, capacity building of fishermen are the critical interventions required to give fillip to the sector. A credit potential of `26.92 crore has been assessed for the activity. (g) Agriculture infrastructure: Keeping in view the revision in the priority sector guidelines, a separate chapter ‘Agriculture Infrastructure’ has been introduced this year with projections for construction of storage facilities, land development & others. A credit potential of `16.79 crore, `34.78 crore and `18.37 crore has been assessed for these activities, respectively, for the year 2016-17. (h) Ancillary activities: Keeping in view the revision in the priority sector guidelines, projections for Food and Agro processing and ‘Others’ have been estimated at `47.54 crore and `7.45 crore respectively for 2016-17. (i) Micro, Small & Medium Enterprises (MSME): Keeping in view the conspicuous industrial and service sector scenario of the district which contribute 91% of the District GDP, credit potential of `2850 crore has been assessed for the activity for the year 2016-17. The credit potential has been increased over that in the base PLP keeping in view the increasing ground level credit flow to the sector and also the increasing industrialization in the district. (j) Export Credit: For the first time, credit potential estimation for Export Credit is being made in the PLP keeping in view the RBI’s priority sector guidelines in terms of which a limit of `25 crore per borrower to units having turnover of upto `100

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PLP 2016-17 Visakhapatnam

crore would be classified as priority sector. Taking into account the exports of fisheries sector which formed bulk of exports from the district, a credit potential of `1500 crore has been estimated under the sector. (k) Education: Taking into account the priority sector guidelines and also the fact that Visakhapatnam is on the verge of becoming an educational hub with considerable number of educational institutions and the number of students, a credit potential of `653.50 crore has been estimated for the year 2016-17. (l) Housing: A credit potential of `1773.52 crore has been estimated for housing for the year 2016-17 keeping in view the growing demand for housing in the district. (m) Renewable energy: A credit potential of `7.57 crore has been estimated under Renewable energy for 2016-17. There is a need to create more awareness on the importance of renewable energy and developing suitable credit products to popularize activities like solar roof-top system, etc. (n) Informal Credit Delivery System: In order to strengthen SHG movement in the district, the future roadmap may include identification of potential activities for setting up of Micro Enterprises and motivating members for taking up the activity, training and capacity building of identified SHG members who are availing higher doses of finance, identification of dormant groups and initiate steps for their revival, Training and capacity building of stakeholders including bank branches and other staff of banks, Strengthening supervisory and monitoring mechanism over SHGs at branch level, Strengthening recovery mechanism at branch/mandal level, etc. A credit potential of `1260.47 crore has been assessed for the activity for the year 2016-17, out of which an amount of `378 crore has been estimated for lending to SHGs for various agricultural purposes. (o) Infrastructure Support: Infrastructure development is a necessary pre-condition for integrated rural development in the district. Rural Infrastructure Development Fund serves as a supplement to the efforts being made by State Governments in this direction. About 1407 infrastructure projects (excluding the ones which were subsequently withdrawn) involving an RIDF loan of `731.49 crore have been sanctioned in the district. The critical infrastructure required for the district are installation of drip systems in additional area, strengthening of LI schemes, providing water supply for irrigation and drinking purpose in the agency area, setting up of primary and secondary processing for horticulture produce in the district, strengthening of horticulture nurseries, setting up of ripening chambers for mango, strengthening of veterinary institutions, infrastructure for fishing activity, etc. Considering the scope for institutional credit to support investment in social infrastructure, a credit potential of `14.64 crore has been estimated.

The distinct geographic divisions of the district offer ample scope for development of all the three sectors of the economy viz., Agriculture, Industry and Service. The agriculture, animal husbandry, horticulture and Fisheries sectors have good potential to contribute immensely to the development of the district. This could be made possible by some critical interventions viz., seed processing, millet processing, bringing more area under drip irrigation, strengthening of horticulture nurseries, setting of processing plants, institutional strengthening of veterinary institutions, supporting food processing industry, etc. Apart from the growth of ancillary industries to propel the industrial development, the district also offers good scope for development of service industry, if issues like ensuring uninterrupted power supply, availability of skilled manpower, etc. are addressed. The initiatives of the State Government under Primary Sector Mission and improvement in extension support would result in higher demand for credit.

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PLP 2016-17 Visakhapatnam

Broad Sector wise PLP Projections - 2016-17

(` lakh) Sl . PLP Projections Particulars No. 2016-17 A Farm Credit (i) Crop Production, Maintenance, Marketing 199,237.89 (ii) Term Loan for Agriculture and allied activities 84,587.24 Sub Total 283,825.13 B Agriculture Infrastructure 6,993.72 C Ancillary Activities 5,498.60 I Credit Potential for Agriculture (A+B+C) 296,317.45 II Micro, Small and Medium Enterprises 285,000.00 III Export Credit 150,000.00 IV Education 65,350.00 V Housing 177,352.00 VI Renewable Energy 757.75 VI Others 90,412.58 VIII Social Infrastructure involving bank credit 1,464.00 Total Priority Sector (I to VIII) 10,66,653.78

PLP projections 2016-17

Others 12% ST Production 19%

Housing TL for Agri & Allied 17% 4%

Agri Infra & Ancillary 1%

Education 6%

MSME 27% Export Credit 14%

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PLP 2016-17 Visakhapatnam

SUMMARY OF SECTOR/SUB-SECTOR WISE PLP PROJECTIONS - 2016-17

(`.lakh) Sl . PLP Projections Particulars No. 2016-17 I Credit Potential for Agriculture A Farm Credit (i) Crop Production, Maintenance, Marketing 199,237.89 (ii) Water Resources 4,128.00 (iii) Farm Mechanization 10,572.48 (iv) Plantation and Horticulture (including Sericulture) 7,915.46 (v) Forestry and Waste land Development 412.00 (vi) Animal Husbandry - Dairy 13,879.09 (vii) Animal Husbandry - Poultry 3,822.28 (viii) Animal Husbandry - Sheep, Goat, Piggery, etc 2,465.75 (ix) Fisheries (Marine, Inland, Brackish Water) 2,691.58 (x) Others - Bullock, Bullock cart, etc. 38,700.60 Sub Total 283,825.13 B Agriculture Infrastructure

(i) Construction of storage facilities (Warehouses, Market yards, Godowns, Silos, Cold Storage units/Cold storage chains) 1,678.75 (ii) Land Development, Soil conservation, Watershed development 3,477.60

(iii) Others (Tissue culture, Agri bio-technology, Seed production, Bio pesticides/fertilizers, Vermin Composting) 1,837.37 Sub Total 6,993.72 C Ancillary Activities (i) Food and Agro Processing 4,753.60 Others ( Loans to Cooperative Societies of farmers for disposing of their (ii) produce, Agri clinics/Agri Business Centres, Loans to PACS/FSS/LAMPS, loans to mFIs for on-lending) 745.00 Sub Total 5,498.60 Total Agriculture 29,6317.45 II (i) MSME - Working Capital 108,000.00 (ii) MSME - Investment Credit 177,000.00 Total MSME 285,000.00 III Export Credit 150,000.00 IV Education 65,350.00 V Housing 177,352.00 VI Renewable Energy 757.75 VII Others (Loans to SHGs/JLGs, loans to distressed persons to prepay non- 90,412.58 institutional lenders, PMJDY, etc.) VIII Social Infrastructure involving Bank credit 1,464.00 Total Priority Sector 10,66,653.78

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At a Glance

Total Geographic Area : 11161 sq km Coastline : 132 km Gross Cropped Area : 369332 Ha

River : Thandava, Varaha Sea Port : Visakhapatnam & Gangavaram % area under agri & allied: 62.24%

Major Crops/ Activities Production (in Million MTs.)

Paddy Meat 0.29 0.34 Coconut Sugarcane 130.5 Mil no. nuts 2.11 Fruits Vegetables 0.15 0.12

Agricultural / Sugarcane Research Stations, Anakapalle Horticultural Research Station, Chintapalli KVK: Yelamanchili

PLP 2016-17 Visakhapatnam

District Profile

District - VISAKHAPATNAM State -

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 11161 Agro-climatic Zone 2nd and 7th category. No. of Sub Divisions 4 No. of Blocks 43 Climate Warm, Humid in coastal plains, very cool in hills No. of Villages (Inhabited) 3293 Soil Type Red loamy 70%, Sandy loamy 20%, Black alluvial 10% No. of Panchayats 925 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 1116100 Normal 2011-12 2012-13 2013-14 Actual Forest Land 441166 Rainfall [in mm] 1202.02 1303.4 1303.4 1269.4 Area Not Available for Cultivation 130405 Variation from Normal 101.38 101.38 67.38 Permanent Pasture and Grazing Land 2758 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 33328 Water MCM 732 172 560 Cultivable Wasteland 10163 5. DISTRIBUTION OF LAND HOLDING Current Fallow 78522 Holding Area Classification of Holding Other Fallow 43055 Nos. % to Total Ha. % to Total Net Sown Area 286925 <= 1 Ha 360844 76 136908 34 Total or Gross Cropped Area 369332 >1 to <=2 Ha 68929 15 95438 24 Area Cultivated More than Once 82407 >2 Ha 44965 9 167737 42 Cropping Inensity [GCA/NSA] 129 Total 474738 100 400083 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 475 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 430 Population 4292 2140 2152 2256 2036 Agricultural Labourers 578 Scheduled Caste 330 163 167 235 56 Workers engaged in Household Industries 55 Scheduled Tribe 619 303 316 498 60 Workers engaged in Allied Agro-activities 31 Literate 2872 1596 1277 1401 601 Other workers 934 BPL 1322 793 529 925 397 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] - NA Total Households 1097 Having brick/stone/concrete houses Having electricity supply Rural Households 579 Having source of drinking water Having independent toilets BPL Households 322 Having access to banking services Having radio/tv sets 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 3108 Anganwadis 4874 Dispensaries 93 Villages having Agriculture Power Supply 3108 Primary Health Centres 90 Hospitals 29 (Villages having Post Offices-NA) No of Pos 685 Primary Health Sub-Centres 6 Hospital Beds 3119 (Villages having Banking Facilities-NA) No of rural brs 186 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 1944 Fertiliser/Seed/Pesticide Outlets [Nos] 496 Agriculture Pumpsets[Nos] N.A. Villages having Primary Health Centres 90 Total N/P/K Consumption [MT] 33166 Pumpsets Energised [Nos] 33778 Villages having Potable Water Supply 3105 Certified Seeds Supplied [MT] 206 Agro Service Centres [Nos] 164 Villages connected with Paved Approach Roads 3012 Pesticides Consumed [MT] 55 Soil Testing Centres [Nos] 3 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 3303 Plantation nurseries [Nos] 9 Total Area Available for Irrigation (NIA + Fallow) 233461 Power Tillers [Nos] 79 Farmers' Clubs [Nos] 481 Krishi Vigyan Irrigation Potential Created 111884 Threshers/Cutters [Nos] 398853 1 Kendras[Nos] Net Irrigated Area(Total area irrigated at least once) 111884 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 66468 Rural/Urban Mandi/Haat [Nos] 314 Wholesale Market [Nos] 6 Area irrigated by Wells 28052 Length of Pucca Road [Km] 8058 Godown [Nos] 78 Area irrigated by Tanks 37730 Length of Railway Line [Km] 82 Godown Capacity[MT] 411 Area irrigated by Other Sources 26250 Public Transport Vehicle [Nos] 11610 Cold Storage [Nos] 10 Irrigation Potential Utilized (Gross Irrigated Area) 158500 Goods Transport Vehicle [Nos] 15288 Cold Store Capacity[MT] 33500 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] 2013-14 2014-15 Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) 440 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) 4 545018 Paddy 105396 184656 105428 298256 2829 Fruit (Pulp/Juice/Fruit drink) Ragi 7236 17123 7191 16439 2286 Spices (Masala Powders/Pastes) Minor Millets 23094 19742 21121 18101 857 Dry-fruit (Cashew/Almond/Raisins) Maize 12290 6582 9627 12968 1347 Cotton (Ginnining/Spinning/Weaving) Pulses 28676 25645 26871 15503 577 Milk (Chilling/Cooling/Processing) 175 Oilseeds 19772 282889 16923 8886 525 Meat (Chicken/Motton/Pork/Dryfish) Sugarcane 37603 210786 37532 2099690 55944 Animal feed (Cattle/Poultry/Fishmeal) 3 Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 17. ANIMAL POPULATION AS PER CENSUS 2012 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 297 Animal Markets [Nos] 13 Milk Collection Centres Cattle - Cross bred 154 83 71 Disease Diagnostic Centres [Nos] 1 974 [Nos] Cattle - Indigenous 341 129 112 Artificial Insemination Centers [Nos] 166 Fishermen Societies [Nos] 130 Buffaloes 306 156 150 Animal Breeding Farms [Nos] 1 Fish seed farms [Nos] 3 Sheep - Cross bred Animal Husbandry Tng Centres [Nos] 1 Fish Markets [Nos] 38 Sheep - Indigenous 253 Dairy Cooperative Societies [Nos] 94 Poultry hatcheries [Nos] 1 Goat 324 Improved Fodder Farms [Nos] 4 Slaughter houses [Nos] 6 Pig - Cross bred 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 8 Fish Production [MT] 11500 Per cap avail. [gm/day] 67 Horse/Donkey/Camel 2 Egg Production [Lakh Nos] 7800 Per cap avail. [nos/p.a.] 197.0 Poultry - Cross bred 5715 Milk Production ['000 MT] 518 Per cap avail. [gm/day] 316 Poultry - Indigenous 1769 Meat Production [MT] 34000 Per cap avail. [kg/day] 0.02 Item Nos. 1, 6, 7, 9 & 10 - Census 2001; 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 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census 2003; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. Sources (if not mentioned against the of Eco. & Stat. respective item):

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PLP 2016-17 Visakhapatnam

Banking Profile

District - VISAKHAPATNAM State - ANDHRAPRADESH Lead Bank - STATE BANK OF INDIA

1. NETWORK & OUTREACH (As on 31/03/2015) No. of No. of Branches No. of non-formal agencies assoiated Per Branch Outreach Agency Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households Commercial Banks 44 576 116 80 380 - 34337 161 6 2 Regional Rural Bank 1 77 56 4 17 - 12617 205 43 14 District Central Coop. Bank 1 28 14 14 - 411 118 39 Coop. Agr. & Rural Dev. Bank ------Primary Agr. Coop. Society 98 ------Others ------All Agencies 144 681 186 84 411 47365 366 5 2 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs.'000] 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 4676637 4385149 12538477 186 93 250737200 267035991 326096636 22 96 Regional Rural Bank 395436 502888 722381 44 5 5557800 7337900 9190583 25 3 Cooperative Banks 191746 218091 225179 3 2 3009800 3606409 4329300 20 1 Others ------All Agencies 5263819 5106128 13486037 164 100 259304800 277980300 339616519 22 100 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.'000] 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 735873 640774 1653262 158 88 190266000 212408208 228926671 8 96 Regional Rural Bank 77315 78251 76453 -2 4 5067900 5732700 6539036 14 3 Cooperative Banks 140786 152023 138917 -9 7 3824500 4398535 4001205 -9 2 Others ------All Agencies 953974 871048 1868632 115 100 199158400 222539443 239466912 8 100 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 76 80 70 Regional Rural Bank 91 78 71 Regional Rural Bank 219493 38750 545 Cooperative Banks 127 122 92 Cooperative Banks Others - - - Others - - - - All Agencies 77 80 71 All Agencies 111059 971 192088 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.'000] Loans [Rs.'000] PS Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans Commercial Banks 91891999 40 37652893 41 11022316 4.81 22400 0.0 10249284 4.48 Regional Rural Bank 5181177 79 5181177 100 16100 0.25 - Cooperative Banks 2601127 65 2348164 90 1984 0.05 - 15716 0.39 Others All Agencies 99674303 42 45182234 45 11040400 4.61 22400 0.0 10265000 4.29 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Agency Target Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment [Rs. Ach'ment Ach[%] in [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] '000] [%] last 3 years Commercial Banks 36301300 34561400 95 44470000 30830000 69 47285500 20024300 42 69 Regional Rural Bank 2468700 2386300 97 2960000 4190000 142 3283700 2466600 75 104 Cooperative Banks 2438500 2847800 117 2290000 1770000 77 2629600 2190200 83 92 Others 400000 381000 95 480000 380000 79 571200 350000 61 79 All Agencies 41608500 40176500 97 50200000 37170000 74 53770000 25031100 47 72 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2014-15 2015-16 Average Broad Sector Target Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment [Rs. Ach'ment Ach[%] in [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] '000] [%] last 3 years Crop Loan 6671400 11770600 176 8001000 16630000 208 9600000 7904000 82 156 Term Loan (Agr) 5399900 6604400 122 6127800 3350000 55 6930000 3828700 55 77 Total Agri. Credit 12071300 18375000 152 14128800 19980000 141 16530000 11732700 71 122 Non-Farm Sector 5120100 8011400 156 6167900 8080000 131 7340000 7907400 108 132 Other Priority Sector 24417100 13790100 56 29904500 9110000 30 29900000 5391000 18 35 Total Priority Sector 41608500 40176500 97 50201200 37170000 74 53770000 25031100 47 72 9. RECOVERY POSITION 2009-10 2010-11 2011-12 Average Agency Demand Recovery Recovery Demand Recovery Recovery Demand Recovery [Rs. Recovery Rec. [%] in [Rs. '000] [Rs. '000] [%] [Rs. '000] [Rs. '000] [%] [Rs. '000] '000] [%] last 3 years Commercial Banks 7122644 4801927 67 8547173 5726606 67 - - - - Regional Rural Bank 2136195 1272651 60 2499348 1524602 61 - - - - Cooperative Banks 1366841 740212 54 1653878 1141175 69 3388316 2746486 81 - Others ------All Agencies 10625680 6814790 64 12700399 8392383 66 - - - -

Sources : Lead Bank - Comprehensive SLBC Return

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