PLP 2016-17

EXECUTIVE SUMMARY

Theme of the PLP – 2016-17 Agriculture is the predominant economic activity of the district and more than 80% of the population earn livelihood from agriculture. The district is endowed with various natural resources which are highly suitable for general agriculture operations. Agriculture, the core sector of development, has potential for income and employment generation and to provide a wide spectrum of benefits to the rural poor. Commercial Agriculture has been identified as a thrust area for development and all efforts covering production strategy, input, credit, marketing and insurance support will have to be provided during the Plan year (2016-17) to achieve its target. Specific Characteristics of the District Cachar is the major district in of . , the present district Head Quarter (HQ) of Cachar was also the HQ of undivided Cachar. The district is bounded by in the east, district and a part of in the west, in the south and North Cachar Hills district including a part of in the north. The district is divided into 15 Development blocks to give developmental services to 1020 inhabited villages out of 1047 villages. The total population of Cachar District was 17.36 lakh as per population census 2011, of which rural population constitutes 82 percent. One hundred ninety eight gardens in Barak Valley are the backbone of the district economy. Marketing and processing of forest product of the district as well as of neighbouring hill states is another major source of revenue of the district. The district has heterogeneous land, comprising both small hillocks (Tilla Land), low lands and level plains. The high lands are planted with tea and foot hills are mostly used for cultivation of various seasonal crops. River Barak flows from east to west through center of the plain valley of the district. The river Barak and its tributaries cause flood every year which is one of the major problems of the district. However, strategic location of the district offers opportunities for trade and business activities as a feeder/supplier of consumable goods items to neighbouring districts and states. Status of Ground Level Credit Flow The ground level credit during 2012-13, 2013-14 and 2014-15 was `16504.35 lakh, `24483.92 lakh and `25025.49 lakh respectively. The total outstanding credit to agriculture sector has increased from `33375.47 lakh during 2013-14 to `35859.87 lakh during 2014-15, registering a growth of 7.4% during the period. Potentials Estimated The Potential Linked Credit Plan (PLP) of Cachar District of Assam projects credit requirements of various sectors/activities during 2016-17 to the tune of `44242.93 lakh, of which, Agriculture credit is `21809.22 lakh, while credit to MSME sector and other sectors has been projected at `9050.00 lakh and `13383.71 lakh respectively. The sector-wise projections are discussed below. 1. Crop Production, Maintenance & Marketing Based on the revised cropped area, updated SoF and the GLC flow in the district, the credit potential for Crop Production, Maintenance & Marketing activities in the district for the year 2016-17 has been estimated at `12931.16 lakh. 2. Water Resources Assured irrigation is the most essential input for increasing sustainable agricultural productivity. Low Lift Points (LLPs) with pumpset are found technically feasible and financially viable as there are large water bodies in the district. Govt. of Assam has taken initiatives to bring more area under irrigation by installation of LLPs for increasing crop production. An amount of `236.96 lakh has been projected under the sector for the year 2016-17.

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PLP 2016-17 Cachar District

3. Farm Mechanisation Fragmented and unirrigated land holdings are the major impediments in financing of farm machineries in the district. However, utilisation of machineries like tractors, power tillers and harvesters results in saving time, energy and expenses. Under the Central Scheme of Macro Management of Agriculture, farm machineries and implements are promoted with subsidy to ensure timely agricultural operations. The bank loan projection for Farm Mechanisation has been arrived at `1319.76 lakh for the year 2016-17. 4. Plantation & Horticulture The agro-climatic condition of the district is congenial for development of plantation crops. Horticulture corps like pineapple, citrus, papaya etc. also has good scope in the district. Cachar is a non traditional area in respect of Sericulture and it is considered as an additional activity in rural areas. Keeping this in view, the projection for Plantation & Horticulture sector has been arrived at `1697.36 lakh for the year 2016-17. 5. Forestry and Waste Land Development There are large tracts of unutilised tilla land in the district where bamboo, jatropha etc. can be grown profitably. Further, existence of Cachar Paper Mill in the adjacent district of Hailakandi is an added advantage for bamboo cultivation. As there is scope for waste land development and farm forestry in the district, a bank loan support of `106.88 lakh has been considered for the year 2016-17. 6. Animal Husbandry – Dairy, Poultry, Sheep, Goat and Piggery Development Dairy and Livestock farming has good potential in the district. The renovated milk processing plant at Ghunghur will help the farmers for taking up dairy activity in the district. Besides, six new veterinary hospitals are being established. Keeping in view of the government initiatives and infrastructure created, the physical and financial projections projected in the Base PLP have been revised and a credit potential of `3076.46 lakh has been arrived at for the year 2016-17. 7. Fisheries Development The increasing demand for fish has motivated the farmers to take fisheries activities as the important livelihood. Fish production and productivity are increasing due to various initiatives taken by the State Government. Accordingly, the physical and financial projections projected in the Base PLP have been revised and a credit potential of `421.71 lakh has been arrived at for the year 2016-17. 8. Agriculture Infrastructure Silchar, the district head quarter of Cachar is the main commercial centre in Barak Valley and is connected with Mizoram, Tripura and Manipur. Further, this region is cut off frequently from other parts of the country by road during rainy season. As such, stocking arrangements for various essential consumable items and surplus agricultural produce is required to meet any eventuality in the district. Keeping in view of the GoI’s policy initiatives, the projection for the year 2016-17 has been arrived at `1243.25 lakh. 9. MSE Sector MSE activities are promoted in the district through Rural Artisans, Weavers, Small Scale Industries (SSIs) and Cottage and Tiny Village Industries (CTVIs). Keeping in view of the GoI’s policy initiatives, the financial requirement for the MSE sector covering investment as well as working capital for the year 2016-17 has been projected at `9050.00 lakh. 10. Other Sector The district offers good potential for expansion of Service sector. Credit to this sector has occupied the major share of total credit flow in the district. Further, expansion of this sector complements the development of other sectors. An amount of `13383.71 lakh has been projected under the sector for the year 2016-17.

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PLP 2016-17 Cachar District

Under Area Based Scheme, Composite Fish Culture has been identified for development of the district. The focus would be to give thrust to the identified activity by enhancing term loan disbursements through a banking plan. Service Area Monitoring and Information System (SAMIS) are yet to be stabilized in Cachar District. It was reported that most of the bank branches are not regular in submitting LB Returns and the branches, which had submitted the Returns, did not submit it complete in all respects. In absence of sub-sector wise details of data, no fruitful analysis of ground level disbursement could be attempted.

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PLP 2016-17 Cachar District

Broad Sector wise PLP Projections 2016-17

District : CACHAR State : Assam (` lakh) PLP Projections Sr. No. Particulars 2016-17 A Farm Credit i Crop Production, Maintenance, Marketing 12931.16 Term Loan for Agriculture and Allied ii 6964.81 activities Sub Total 19895.97 B Agriculture Infrastructure 1243.25 C Ancillary Activities 670.00 I Credit Potential for Agriculture (A+B+C) 21809.22 II Micro, Small and Medium Enterprises 9050.00 III Export Credit 1320.00 IV Education 1808.00 V Housing 6336.00 VI Renewable Energy 45.59 VII Others 3295.00 VIII Social Infrastructure 579.12 Total Priority Sector (I to VIII) 44242.93

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PLP 2016-17 Cachar District

SUMMARY OF SECTOR/SUB-SECTOR WISE PLP PROJECTIONS 2016-17 District : CACHAR State : Assam (` lakh) PLP Projections Sr. No. Particulars 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance, Marketing 12931.16 ii Water Resources 236.96 iii Farm Mechanization 1319.76 iv Plantation & Horticulture 1697.36 v Forestry and Wasteland Development 106.88 vi Animal Husbandry - Dairy 820.96 vii Animal Husbandry - Poultry 1146.71 viii Animal Husbandry -Sheep/Goat/Piggery 1108.79 ix Fishery 421.71 x Others 105.68 Sub Total 19895.97 B Agriculture Infrastructure i Storage Facilities 997.10

ii Land Development, Soil Conservation, Watershed Development 37.75

iii Others 208.40 Sub Total 1243.25 C Ancillary Activities i Agro & Food Processing Sector 482.00 ii Others 188.00 Sub Total 670.00 D Total Agriculture 21809.22 II Micro, Small and Medium Enterprises MSME - Investment Credit 6414.00 MSME - Working Capital 2636.00 Total MSME 9050.00 III Export Credit 1320.00 IV Education 1808.00 V Housing 6336.00 VI Renewable Energy 45.59 VII Others 3295.00 VIII Social Infrastructure 579.12 Total Priority Sector 44242.93

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PLP 2016-17 Cachar District

MAP OF CACHAR DISTRICT

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PLP 2016-17 Cachar District

District Profile District - CACHAR State - ASSAM Division - SILCHAR & LAKHIPUR

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 3786 i) Alluvial Flood Free, ii) Alluvial Flood Prone, iii) Piedmont & Agro-climatic Zone No. of Sub Divisions 2 Plantation Crops, iv) Beels & Hawara, v) Hills & Forest Zones No. of Blocks 15 Climate Hot & Humid; Humidity : 90 - 95% (summer) & 65 - 70% (winter) No. of Villages (Inhabited) 1020 Varies from Alluvial to Laterite; Texture varies from Sandy Loam to Soil Type No. of Panchayats 163 Clay Loam; Acidic with PH ranging from 4.5 to 5.8 3. LAND UTILISATION [ha] 4. RAINFALL & GROUND WATER Total Area Reported 377610 Normal 2011 2012 2013 Actual Forest Land 138409 Rainfall [in mm] 2900 2299 3070 2556 Area Not Available for Cultivation 61447 Variation from Normal (-) 20.7% 5.9% (-) 11.9% Permanent Pasture and Grazing Land 2600 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 17108 Water [Ham] 78554 3589 74965 Cultivable Wasteland 2037 5. DISTRIBUTION OF LAND HOLDING Current Fallow 6851 Holding Area Classification of Holding Other Fallow 6071 Nos. % to Total ha. % to Total Net Sown Area 125000 <= 1 ha 160261 39.8 56220 9.8 Total or Gross Cropped Area 183225 >1 to <=2 ha 38399 32.5 44101 21.9 Area Cultivated More than Once 58225 >2 ha 8459 27.7 24679 68.3 Cropping Intensity [GCA/NSA] 146.6% Total 207119 100.0 125000 100.0 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 207 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 119 Population 1736 886 850 1421 315 Agricultural Labourers 69 Scheduled Caste 265 136 129 Workers engaged in Household Industries 24 Scheduled Tribe 18 9 9 Workers engaged in Allied Agro-activities 2 Literate 1377 751 626 1095 282 Other workers 306 BPL 743 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 380 Having brick/stone/concrete houses 48 Having electricity supply 145 Rural Households 311 Having source of drinking water 258 Having independent toilets 308 BPL Households 166 Having access to banking services 151 Having radio/TV sets 100 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 890 Anganwadis 2866 Dispensaries 2 Villages having Agriculture Power Supply 0 Primary Health Centres 27 Hospitals 1 Villages having Post Offices 214 Primary Health Sub-Centres 269 Hospital Beds 260 Villages having Banking Facilities 713 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 914 Fertiliser/Seed/Pesticide Outlets [Nos] 90 Agriculture Pumpsets[Nos] 1417 Villages having Primary Health Centres 33 Total N/P/K Consumption [MT] 6180 Pumpsets Energised [Nos] 1417 Villages having Potable Water Supply 868 Certified Seeds Supplied [MT] 210 Agro Service Centres [Nos] 1 Villages connected with Paved Approach Roads 229 Pesticides Consumed [Ltr] 350 Soil Testing Centres [Nos] 1 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 189 Plantation nurseries [Nos] 4 Total Area Available for Irrigation (NIA + Fallow) 98000 Power Tillers [Nos] 1290 Farmers' Clubs [Nos] 64 Irrigation Potential Created 11761 Reapers [Nos] 2 Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area (Total area irrigated at least once) 6570 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 185 Rural/Urban Mandi/Haat [Nos] 195 Wholesale Market [Nos] 6 Area irrigated by Wells 0 Length of Pucca Road [Km] 622 Godown [Nos] 79 Area irrigated by Tanks 5 Length of Railway Line [Km] 105 Godown Capacity[MT] 77000 Area irrigated by Other Sources 8146 Public Transport Vehicle [Nos] 25206 Cold Storage [Nos] 2 Irrigation Potential Utilized (Gross Irrigated Area) 8336 Goods Transport Vehicle [Nos] 9580 Cold Store Capacity[MT] 10000 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 Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) 115 295090 Area (ha) Prod. (MT) Area (ha) Prod. (MT) [kg/ha] Sugarcane (Gur/Khandsari/Sugar) - - Summer Paddy 17000 42500 17500 51625 2950 Fruit (Pulp/Juice/Fruit drink) 3 3000 Winter Paddy 98875 217525 96652 243563 2520 Spices (Masala Powders/Pastes) 60 5007 Autumn Paddy 10300 23690 11500 31395 2730 Dry-fruit (Cashew/Almond/Raisins) - - Rape & Mustard 2655 1657 2850 1929 677 Cotton (Ginning/Spinning/Weaving) - - Black Gram 1175 776 1165 834 716 Milk (Chilling/Cooling/Processing) 1 5000 French Bean 3765 4142 4617 5310 1150 Meat (Chicken/Mutton/Pork/Dry fish) 4 20 Sesamum 252 129 252 129 512 Animal feed (Cattle/Poultry/Fish meal) 7 1001 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] 21 Animal Markets [Nos] 7 Cattle - Cross bred 20 8 12 Disease Diagnostic Centres [Nos] 1 Milk Collection Centres [Nos] 1 Cattle - Indigenous 312 94 218 Artificial Insemination Centers [Nos] 27 Fishermen Societies [Nos] 6 Buffaloes 56 22 34 Animal Breeding Farms [Nos] 1 Fish seed farms [Nos] 4 Sheep - Cross bred - - - Animal Husbandry Tng Centres [Nos] 2 Fish Markets [Nos] 62 Sheep - Indigenous 18 10 8 Dairy Cooperative Societies [Nos] 26 Poultry hatcheries [Nos] 7 Goat 155 82 73 Improved Fodder Farms [Nos] 2 Slaughter houses [Nos] - Pig - Cross bred 5 2 3 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 23 11 12 Fish Production [MT] 26000 Per cap avail. [gm/day] 41 Horse Egg Production [Lakh Nos] 180 Per cap avail. [nos/p.a.] 10 Poultry - Cross bred 177 83 94 Milk Production ['000 K lit] 80 Per cap avail. [ml/day] 46 Poultry - Indigenous 306 147 159 Meat Production [MT] 1067 Per cap avail. [gm/day] 1.7

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 Sources (if not mentioned against the 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. respective item): of Eco. & Stat. 7

PLP 2016-17 Cachar District

Banking Profile District - CACHAR State - ASSAM Lead Bank - UNITED BANK OF (UBI) 1. NETWORK & OUTREACH (As on 31/03/2015) No. of No. of Branches No. of non-formal agencies associated Per Branch Outreach Agency Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households Commercial Banks 25 94 43 - 51 1 2684 124 11 4042 Regional Rural Bank 1 20 16 - 4 1 7228 44 51 18402 District Central Coop. Bank ------Coop. Agr. & Rural Dev. Bank 1 1 - - 1 - 60 - 1020 368043 Primary Agr. Coop. Society 39 39 39 - - - - - 26 9437 Others ------All Agencies 66 154 98 - 56 2 9972 168 7 2467 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 NA NA NA - - 36444103 34476448 39669105 15.1 90.4 Regional Rural Bank 218642 272598 291735 7.0 - 2952714 3287629 3833055 16.6 8.7 Cooperative Banks 24020 27241 26875 -1.3 - 265824 333227 364659 9.4 0.8 Others ------All Agencies NA NA NA - - 39662641 38097304 43866819 15.1 100.0 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 NA NA NA - - 12633292 13083197 14708779 12.4 88.5 Regional Rural Bank 18475 20514 22824 11.3 - 1657400 1769546 1784283 0.8 10.7 Cooperative Banks 1774 1949 1934 -0.8 - 98488 93848 125243 33.5 0.7 Others ------All Agencies NA NA NA - - 14389180 14946591 16618305 11.2 100.0 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 34.7 37.9 37.1 Commercial Banks 21198 13996 26154 86964 Regional Rural Bank 56.1 53.8 46.5 Regional Rural Bank 10403 1810 36829 11847 Cooperative Banks 37.1 28.2 34.3 Cooperative Banks 270 167 270 735 Others - - - Others - - - - All Agencies 36.3 39.2 37.9 All Agencies 31871 15973 63253 99546 6. PERFORMANCE TO FULFIL 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] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans Commercial Banks 10566798 86.3 3137148 87.5 1142595 65.1 42164 100.0 947027 88.6 Regional Rural Bank 1613459 13.2 441694 12.3 605475 34.5 0 0 121729 11.4 Cooperative Banks 61360 0.5 7145 0.2 7743 0.4 0 0 591 0.1 Others ------All Agencies 12241617 100.0 3585987 100.0 1755813 100.0 42164 100.0 1069347 100.0 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 Ach'ment Ach[%] in [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] last 3 years Commercial Banks 2807018 1387593 49.4 4080522 2190991 53.7 3261686 2234000 68.5 57.3 Regional Rural Bank 468921 238364 50.8 791756 240145 30.3 639975 266033 41.6 39.2 Cooperative Banks 9987 24478 245.1 41949 17256 41.1 43723 2516 5.8 46.3 Others ------All Agencies 3285926 1650435 50.2 4914227 2448392 49.8 3945384 2502549 63.4 54.4 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[%] in [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] last 3 years Crop Loan 1791357 460188 25.7 1932363 664157 34.4 2167566 661737 30.5 30.3 Term Loan (Agr) 455982 478443 104.9 481864 600591 124.6 551737 186029 33.7 84.9 Total Agri. Credit 2247339 938631 41.8 2414227 1264748 52.4 2719303 847766 31.2 41.3 Non-Farm Sector 240024 214279 89.3 1500000 403530 26.9 345666 584150 169.0 57.6 Other Priority Sector 798563 497525 62.3 1000000 780114 78.0 880414 1070633 121.6 87.7 Total Priority Sector 3285926 1650435 50.2 4914227 2448392 49.8 3945383 2502549 63.4 54.4 9. RECOVERY POSITION 2012-13 2013-14 2014-15 Average Agency Demand Recovery Recovery Demand Recovery Recovery Demand Recovery Recovery Rec. [%] in [Rs. '000] [Rs. '000] [%] [Rs. '000] [Rs. '000] [%] [Rs. '000] [Rs. '000] [%] last 3 years Commercial Banks 809188 201192 24.9 1161911 333652 28.7 1364426 443438 32.5 29.3 Regional Rural Bank 271799 190128 70.0 98343 49871 50.7 99105 64121 64.7 64.8 Cooperative Banks 56615 11214 19.8 62453 36979 59.2 62516 37697 60.3 47.3 Others ------All Agencies 1137602 402534 35.4 1322707 420502 31.8 1526047 545256 35.7 34.3 Sources : Lead Bank & SLBC 8