PLP 2016-17 District

EXECUTIVE SUMMARY has almost a plain topography with a gentle slope towards the South. The district has a high density of population 632 persons per sq. km as against a state level density of 397 persons per sq km. The major agricultural crops grown in the district are paddy, pulses, oil seeds and fiber crops. Besides these crops, the district produces various types of horticultural crops viz. coconut, arecanut, banana, lemon etc. Pisciculture is a major enterprise in the district. Livestock rearing also provides supplementary income to a large number of rural house holds and certain pockets like Bajali, Gobardhana, etc are known for cattle farming, poultry, goat and piggery. The institutional credit structure in the district comprises mainly of RRB (20 Branches), Commercial Banks (60 Branches) and Cooperatives (3 Branches). The total Bank branches operating in the district is 83, of which Gramin Vikash Banks have the highest no. of Branches with 20, followed by State Bank of with 14 Branches. The district has 7 Private Banks catering to the need of urban population. For the last three years the district has been maintaining a steady CD ratio of 45%. The highest CD ratio is being exhibited by Assam Gramin Vikash Bank with 71%. Under Crop loan Banks have disbursed an amount of ` 42.09 Cr with 9956 KCC. State Bank of India has disbursed highest amount of KCC loan to the tune of `14.71 crore. Similarly, all the Banks have disbursed a ground level credit of ` 138.07 crore under priority sector during the year 2014-15. The highest disbursement is done by Assam Gramin Vikash Bank with ` 32.69 crore. Year wise comparison reveals that the district has increased its in GLC by 50% over its previous years. The credit projections as per base PLP projection (2012-17) for the year 2016-17 was at ` 33974.69 lakh. However based on trends in actual GLC, operational constraints and others, this year projections have been updated and is estimated at ` 29156.38 lakh, comprising of ` 17639.46 lakh for Agriculture (` 10247.80 lakh for Crop Loans and ` 6169.05 lakh for Agri Term Loans), ` 7025.00 lakh for MSME Sector. The sub-sectoral projections for the year 2016- 17 is given as under. Farm Credit Paddy is the major crop grown in the district. Lack of irrigation facilities (especially during Rabi), poor electricity supply, and problems related to input procurement, absence of proper marketing facilities deplorable condition of rural roads etc, pose constraints. However, the total cropped area in the district is 263747 ha with a cropping intensity of 160%. The projection for crop loan during 2016-17 is ` 10247.80 lakh. Agriculture Term Loan or Investment Credit loans are given for purposes viz Water resources, Animal Husbandry activities (Dairy, Poultry, SGP), Fisheries, farm mechanization, Plantation and Horticulture etc. Under the head Agriculture term loan PLP projection of ` 6169.05 lakh has been fixed for the year 2016-17. Agriculture Infrastructure Agriculture Infrastructure financing comprises of providing Bank loan for construction of Cold storage, warehouses, market yard, godowns, silos and running of these units. Under the head PLP projection of ` 1097.81 lakh has been fixed for the year 2016-17. Agriculture - Ancillary Activities Ancillary activities includes loans to co-operative societies of farmers for disposing of the produce of members, loans for Food and Agro-processing, loans to Bank loans to Primary Agricultural Credit Societies (PACS) and loans sanctioned by banks to MFIs. Under this head projection of ` 124.80 lakh has been estimated for the year 2016-17. MSME MSMEs are an important employment generating sector, and also helps in capital formation, growth of entrepreneurship among local people, reduced migration and ensures inclusive growth. The industrial policy, of the state government, North East Industrial Promoting policy of GOI and MUDRA scheme may go a long way for industrial development. ` 7025.00 lakh is the projection under the sector for the year 2016-17.

1 PLP 2016-17 Barpeta District

Education Education loan is boon for deserving and meritorious students who do not have ready resources for meeting the ever increasing cost of higher and technical education. Under the head, PLP projection of ` 220.00 lakh has been fixed for the year 2016-17. Housing Constructing or purchasing a house demands a lot of resources and most of the people cannot still afford despite investing all their savings. Therefore, there is an urgent need for increasing credit flow to this sector and a credit projection of ` 3712.00 lakh has been fixed for the year 2016-17. Renewable Energy Biogas being a renewable source of energy is user friendly and is a very good alternative source of energy. The Biogas & Manure Management Programme (BMMP) attaches great importance and priority to the use of Biogas. Under the head, PLP projection of ` 90.72 lakh has been fixed for the year 2016-17. Others According to the revised priority sector guidelines loans to SHGs, loans to distressed person, overdraft under PMJDY etc are covered under “Others” as a separate sector under the overall priority sector loans. Under the head, PLP projection of ` 362.00 lakh has been fixed for the year 2016-17. Infrastructure Support Under social infrastructure, schools, health care facilities, drinking water and sanitation facilities have now been brought under the ambit of PSL norms. Accordingly PLP projection for the year 2016-17 with an amount of ` 107.20 lakh have been fixed. Roads and Bridges, power, drinking water supply, market infrastructure etc are the major areas of concerns under infrastructure development. Flood is a recurring problem in the district. Steps need to be initiated to ensure preparedness. Vaccination of animals prior to flood as per technical requirements should also needs be considered. Infrastructure which is an index of the development status of an area or region. The PLP gives Indications to the State Government on the areas where investment in infrastructure would help in improving production in important sectors of the district’s economy. Chapter X lists the infrastructure components for which the State Government may consider assistance under RIDF. The performance of Banks under Priority Sector lending is satisfactory. However, timely disposal of loan applications and a farmer friendly approach shall help in increasing credit, deposits as well as recovery. CD ratio of the district is 45% leaving scope for increasing leading under priority sector. Improving recovery is essential to help the banks participate in the sponsored programmes as well as in ensuring coverage of farmers (small & medium) and others. Chapter on Informal Credit Delivery System highlights innovative micro- Finance initiatives/ practices in the district. A brief write up on a few well established NGOs involved in promotion of SHGs through micro-Finance, Joint Liability Groups (JLGs) have been discussed in this chapter. JLG/SHG financing has scope with the coming up of NRLM. Area Development Scheme Considering the potential of Dairy sector in the district, area development scheme has been prepared by NABARD, for a part of Barpeta district - “Barpeta Dairy Cluster” for implementation by three banks viz., Assam Gramin Vikash Bank (AGVB), Canara Bank and IDBI Bank on pilot basis in the district. The total plan out lay is of `10.79 cr with establishment of 492 units. The project would be implemented in Bajali subdivision comprising 12 Dairy Societies. Thrust areas for 2016-17 Infrastructure development such as Irrigation facilities, road networks, etc. are essential for development of a district. Minor Irrigation projects should be taken up in a big way for the benefit

2 PLP 2016-17 Barpeta District of farmers. Abundant surface water available in the district may be harnessed for this purpose. However, for sustainable development of water resources conjunctive use of ground and surface water should be adopted. Market Yards and Rural Godowns have to be constructed at important rural market places for the benefit of farmers. This may be done under public -private partnership basis. Improvement of existing infrastructure should be taken on priority basis. None of the PACS have scientific warehouses. The infrastructures of the PACS are required to be strengthened. Conclusion Considering the available potential, infrastructure, banking outlets, government policies, farmers' participation, markets, extension services an amount of ` 29156.38 lakh has been estimated for credit flow in the district for the year 2016-17. To fulfil this target co-ordinated approach of all the stake holders are necessary. Strengthening of SAMIS, monitoring at district and block level, financial literacy, financial inclusion, coverage by SHG and JLG are also required to develop the district as well as the farmers.

3 PLP 2016-17 Barpeta District

Broad Sector wise PLP Projection – 2016-17 District : Barpeta State : Assam (` In lakh) PLP Projec- Sr. No. Particulars tions 2016- 17 A Farm Credit i Crop Production, Maintenance, Marketing 10247.80 ii Term Loan for Agriculture and Allied activities 6169.05 Sub Total 16416.85 B Agriculture Infrastructure 1097.81 C Anciliary Activities 124.80 I Credit Potential for Agriculture (A+B+C) 17639.46 II Micro, Small and Medium Enterprises 7025.00 III Export Credit 0.00 IV Education 220.00 V Housing 3712.00 VI Renewable Energy 90.72 VII Others 362.00 VIII Social Infrastructure involving bank credit 107.20 Total Priority Sector (I to VIII) 29156.38

4 PLP 2016-17 Barpeta District

SUMMARY OF SECTOR / SUB-SECTOR WISE PLP PROJECTIONS 2016-17 District : Barpeta State : Assam (`. In lakh) PLP Projections Sr. No. Particulars 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance, Marketing 10247.80 ii Water Resources 278.84 iii Farm Mechanization 1748.54 iv Plantation & Horticulture 192.62 v Forestry and Wasteland Development 34.25 vi Animal Husbandry - Dairy 2285.88 vii Animal Husbandry - Poultry 659.56 viii Animal Husbandry -Sheep/Goat/Piggery 324.80 ix Fisheries 594.40 x Others 50.16 Sub Total 16416.85 B Agriculture Infrastructure i Construction of Storage Facilities 909.92 Land Development, Soil Conservation, Watershed De- ii 149.49 velopment iii Others 38.40 Sub Total 1097.81 C Anciliary Activities i Agro & Food Processing Sector 108.80 ii Others 16.00 Sub Total 124.80 D Total Agriculture 17639.46 II Micro, Small and Medium Enterprises MSME – Investment credit 5881.00 MSME - Working Capital 1144.00 Total MSME 7025.00 III Export Credit 0.00 IV Education 220.00 V Housing 3712.00 VI Renewable Energy 90.72 VII Others 362.00 VIII Social Infrastructure involving bank credit 107.20 Total Priority Sector 29156.38

5 PLP 2016-17 Barpeta District

District Map

6 PLP 2016-17 Barpeta District

District Profile

District - Barpeta State - Assam Division - Barpeta

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 2677 Agro-climatic Zone Eastern Himalaya Region- Lower Bhramaputra (Zone 2) No. of Sub Divisions 2 Subtropical in nature with warm humid summer followed by cool and No. of Blocks 11 Climate dry winter No. of Villages (Inhabited) 835 Soil Type Alluvial, Red loamy,tarai soils No. of Panchayats 129 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 264510 Normal 2009 2010 2011 Actual Forest Land 48013 Rainfall [in mm] 2127 1684 2165 2163 Area Not Available for Cultivation 39444 Variation from Normal -443 38 36 Permanent Pasture and Grazing Land 11932 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 3215 Water [Ham] 82105 39451 41555 Cultivable Wasteland 2790 5. DISTRIBUTION OF LAND HOLDING Current Fallow 2030 Holding Area Classification of Holding Other Fallow 3275 Nos. % to Total Ha. % to Total Net Sown Area 159311 <= 1 Ha 108592 62 46520 25 Total or Gross Cropped Area 254698 >1 to <=2 Ha 38266 22 51944 27 Area Cultivated More than Once 95387 >2 Ha 28901 16 91261 48 Cropping Inensity [GCA/NSA] 160 Total 175759 100 189726 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Census 2011 Cultivators 210 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 147 Population 1692 867 825 NA NA Agricultural Labourers 82 Scheduled Caste 203 104 99 NA NA Workers engaged in Household Industries 27 Scheduled Tribe 12 6 6 NA NA Workers engaged in Allied Agro-activities 5 Literate 918 512 406 NA NA Other workers 198 BPL NA NA NA NA NA 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 338 Having brick/stone/concrete houses NA Having electricity supply 85 Rural Households 269 Having source of drinking water 216 Having independent toilets 243 BPL Households NA Having access to banking services NA Having radio/tv sets NA 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 789 Anganwadis Dispensaries 8 Villages having Agriculture Power Supply NA Primary Health Centres 36 Hospitals 1 Villages having Post Offices NA Primary Health Sub-Centres 264 Hospital Beds 454 Villages having Banking Facilities 240 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools NA Fertiliser/Seed/Pesticide Outlets [Nos] NA Agriculture Pumpsets[Nos] NA Villages having Primary Health Centres 36 Total N/P/K Consumption [MT] 11-12 25501 Pumpsets Energised [Nos] NA Villages having Potable Water Supply NA Certified Seeds Supplied [MT] NA Agro Service Centres [Nos] NA Villages connected with Paved Approach Roads NA Pesticides Consumed [MT] NA Soil Testing Centres [Nos] NA 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 1019 Plantation nurseries [Nos] NA Total Area Available for Irrigation (NIA + Fallow) 159311 Power Tillers [Nos] NA Farmers' Clubs [Nos] 81 Krishi Vigyan Irrigation Potential Created 46464 Threshers/Cutters [Nos] NA 1 Kendras[Nos] Net Irrigated Area(Total area irrigated at least once) 4298 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels NA Rural/Urban Mandi/Haat [Nos] NA Wholesale Market [Nos] 3 Area irrigated by Wells NA Length of Pucca Road [Km] 367 Godown [Nos] NA Area irrigated by Tanks NA Length of Railway Line [Km] NA Godown Capacity[MT] NA Area irrigated by Other Sources NA Public Transport Vehicle [Nos] 302 Cold Storage [Nos] 1 Irrigation Potential Utilized (Gross Irrigated Area) 159700 Goods Transport Vehicle [Nos] 1001 Cold Store Capacity[MT] 5000 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) NA NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) NA NA Summer Paddy 52921 261416 47877 252897 10334 Fruit (Pulp/Juice/Fruit drink) NA NA Autumn Paddy 6346 1853 18884 289964 1159 Spices (Masala Powders/Pastes) NA NA Winter Paddy 66597 164645 66616 189473 4713 Dry-fruit (Cashew/Almond/Raisins) NA NA Rapeseed/Mustard 18005 14813 18601 10054 1477 Cotton (Ginnining/Spinning/Weaving) NA NA Maize 63 55 67 123 640 Milk (Chilling/Cooling/Processing) NA NA Wheat 6318 8969 5888 8731 2523 Meat (Chicken/Motton/Pork/Dryfish) NA NA Potato 7885 84080 8117 65353 18570 Animal feed (Cattle/Poultry/Fishmeal) NA NA 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] 24 Animal Markets [Nos] 3 Milk Collection Centres Cattle - Cross bred 35 NA NA Disease Diagnostic Centres [Nos] NA [Nos] 2 Cattle - Indigenous 415 NA NA Artificial Insemination Centers [Nos] 43 Fishermen Societies [Nos] NA Buffaloes 16 NA NA Animal Breeding Farms [Nos] 1 Fish seed farms [Nos] NA Sheep - Cross bred NA NA NA Animal Husbandry Tng Centres [Nos] Fish Markets [Nos] 3 Sheep - Indigenous 30 NA NA Dairy Cooperative Societies [Nos] 18 Poultry hatcheries [Nos] 1 Goat 234 NA NA Improved Fodder Farms [Nos] 5 Slaughter houses [Nos] NIL Pig - Cross bred 12 NA NA 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY 2011-12 Pig - Indigenous NA NA NA Fish Production [MT] 15635 Per cap avail. [gm/day] NA Horse/Donkey/Camel 1 NA NA Egg Production [Lakh Nos] 22217917 Per cap avail. [nos/p.a.] NA Poultry - Cross bred 1708 NA NA Milk Production ['000 MT] 9102255 Per cap avail. [gm/day] NA Poultry - Indigenous NA NA NA Meat Production [MT] 1356288 Per cap avail. [gm/day] NA

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 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 Barpeta District

Banking Profile

District Barpeta State Assam Lead Bank UCO Bank

1. NETWORK & OUTREACH (As on 31/03/2014) 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 18 60 26 14 20 NA NA NA NA NA Regional Rural Bank 1 20 15 2 3 NA NA NA NA NA State Cooperative Bank 1 3 3 NA NA NA NA NA Coop. Agr. & Rural Dev. Bank NA NA NA NA NA Primary Agr. Coop. Society 42 NA NA NA NA NA Others NA NA NA NA NA All Agencies 62 83 41 16 26 NA NA NA NA NA 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs.'000] Agency 31-Mar-08 31-Mar-09 31-Mar-10 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA NA NA 13228100 14894300 18084501 18 79 Regional Rural Bank NA NA NA NA NA 2724500 3088800 3619543 15 16 Cooperative Banks NA NA NA NA NA 876600 1078100 1134530 5 5 Others NA NA NA NA NA All Agencies NA NA NA NA NA 16829200 19061200 22838574 17 100 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.'000] Agency 31-Mar-08 31-Mar-09 31-Mar-10 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA NA NA 5600300 6360373 7681189 0.17 76 Regional Rural Bank NA NA NA NA NA 1837700 2183614 2356654 0.07 23 Cooperative Banks NA NA NA NA NA 114500 109662 101024 -0.086 1 Others NA NA NA NA NA All Agencies NA NA NA NA NA 7552500 8653649 10138867 0.15 100.00 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 42% 47% 46% Commercial Banks 71150 165914 22454 Regional Rural Bank 67% 71% 65% Regional Rural Bank 44516 81110 1475 Cooperative Banks 11% 10% 9% Cooperative Banks 1931 374 Others Others All Agencies 45% 45% 44% All Agencies 115666.00 248955 20605 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2014) 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 921953.00 73 510261.00 74 NA NA NA NA NA NA Regional Rural Bank 327766.00 26 5751.00 1 NA NA NA NA NA NA Cooperative Banks 9120.00 1 173246.00 25 NA NA NA NA NA NA Others NA NA NA NA NA NA All Agencies 1258839 100 689258.00 100 NA NA NA NA NA NA 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 1321700 609025 46 2609046 921953 35 1972522 1027253 52 103 Regional Rural Bank 270000 224857 83 620568 327766 53 546305 326977 60 140 Cooperative Banks 45000 4970 11 106192 9120 9 83900 28066 33 46 Others All Agencies 1636700 838852 51 3335806 1258839 38 2602727 1382296 53 108 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 [Rs. Ach'ment Ach[%] in [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] '000] [%] last 3 years Crop Loan 752600 323125 43% 845120 551762 6529% 102694200 42098900 41 106 Term Loan (Agr) 400600 169654 42% 510685 137496 2692% 58218300 26955600 46 73 Total Agri. Credit 1153200 492779 43% 1355805 689258 5084% 160912500 69054500 43 94 Non-Farm Sector 110100 145197 132% 1500000 296267 1975% 400000 49418300 12355 12375 Other Priority Sector 373400 202127 54% 480000 273314 5694% 59360200 19756800 33 90 Total Priority Sector 1636700 840103 51% 3335805 1258839 3774% 220672700 138229600 63 101 9. RECOVERY POSITION 2012-13 2013-14 2014-15 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 436398 104735 24 779011.00 179172.00 23.00 93973800 13619500 14.49 51.83 Regional Rural Bank 372300 133000 36 480400.00 167863.00 34.94 72460600 48630300 67.11 93.04 Cooperative Banks 63400 18100 29 82634.00 39651.00 47.98 5014900 2500700 49.87 93.15 Others All Agencies 872098 255835 29 1342045.00 386686.00 28.81 171449300 64750500 37.77 70.74

Sources : Lead Bank & SLBC

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