PLP 2016-17 District EXECUTIVE SUMMARY

The Potential Linked Credit Plan (PLP) is prepared by taking into account the potential available for development in all the sectors as also the infrastructure available for exploiting such potential. The preparation of the PLP document was preceded by a detailed consultative process with the implementing departments in the district for identifying critical infrastructural requirements. The main objective of the entire exercise is to link the development planning process with the credit planning process. In this context, it is essential to bear in mind the fact that NABARD had prepared a Base PLP document, co-terminus with the 12th Five Year Plan period (2012-13 to 2016-17). The present exercise is aimed at further fine tuning the projections for the year 2016-17 based on priorities laid down by the Government of . An attempt has been made to give a detailed picture of the exploitable potential which could be translated into credit potential by various banks. Recognizing the importance of capital formation NABARD has chosen the theme “Accelerating the pace of Capital Formation in Agriculture and Allied Sector” for the PLP 2016-17. , bifurcated from district, was inaugurated as a full-fledged district on 24th January, 2004. It is located in the eastern part of the State and is 254 Kilometers away from the State capital, . The total area of the district is 1161.853 sq.km. It is bounded by in the North, district in the south, Myanmar (Burma) in the east, and Zunheboto district in the West.The district is home to people of the Sangtam, Yimchungrü, and Sumi Naga tribe. Like most part of the State, the people of Kiphire district has diverse culture, customs and practices and they exist in perfect harmony with each other, displaying both unity and diversity. With the majority of the people living in the rural villages, agriculture remains the main occupation of the people of the district. The district is headed by the Deputy Commissioner. There are 3 ADCs (Civil) and 6 EACs to support the district administration. The district have five blocks namely Kiphire, Pungro, Sitimi, Longmatra and Khonsa. Longmatra and Khonsa are newly created blocks with the Government of Notification dated 20th January,2012. The network of banks in the district is poor with two branches of the State Bank of India and one branch of the Nagaland State Co-operative bank operating in the district. There is one ATM installed by SBI in Kiphire Town.

II. Sectoral Trends in Credit Flow: Institutional credit flow towards agriculture and other priority sectors in the district is poor. In the year 2012-13 the sector wise achievement under Agriculture, SSI and Other priority sector under annual credit plan was 40.17%, 63.09% and 8.3% respectively. Under Annual Credit Plan 2013-14 total credit flow in priority sector was 29.15%. The achievement under agriculture, SSIand other priority sector was 31.68%, 67.33% and 5.4% respectively. Whereas under Annual Credit Plan 2014- 15 achievement under Agriculture, SSI, and other priority sector was 42.83% and 58.24% 28.86% respectively. Under Annual Credit Plan 2014-15 the achievement was 41.01%.

III. Highlight of Banking Benchmark: The Credit-Deposit Ratio (CD Ratio) of the district in last three years stood at 40.77%, 64.80% and 78.77% for the year 2012-13, 2013-14 and 2014-15 respectively. Total deposits was Rs 3601.07 lakh as on 31/03/2014 as compared to Rs 3789.92 lakh as on 31/03/2015 while advances stood at Rs 2333.65 lakh as on 31/03/2014 as compared to Rs 2985.27 lakhas on 31/03/2015.

01 PLP 2016-17 Kiphire District IV. Assessment of Credit Potential for 2016-17: According to the revised Priority Sector Lending guidelines, Agriculture sector is broadly divided into three sub sectors viz. Farm Credit, Agriculture Infrastructure and Ancillary activities. Out of the total potential projection for 2016-17, the share of crop loan is 27% (Rs 564.21 lakh), while term loan for agriculture and allied activities constituted 30% (Rs 630.81 lakh). The PLP prepared for the district highlights credit potential estimate of Rs 2098.17 lakh under various sectors of the economy. Due to changes in guidelines for priority sector lending, inter sectoral changes has been made in the present document. The details of sector wise bankable projections for 2016-17 is given below:

Potential Linked credit Plan 2016-17: The Sector/sub sector wise projections for PLP 2016-17 are given below: (Rs. lakh) Sl. PLP Projections PARTICULARS No. 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 564.21 ii Term Loan for agriculture and allied activities 630.81 Sub Total 1195.02 B Agriculture Infrastructure 85.23 C Ancillary activities 131.25 I Credit Potential for Agriculture (A+B+C) 1411.50 II Micro, Small and Medium Enterprises 236.25 III Export Credit 0.00 IV Education 40.00 V Housing 108.00 VI Renewable Energy 9.72 VII Others 251.50 VIII Social Infrastructure involving bank credit 41.20 Total Priority Sector (I to VIII) 2098.17

02 PLP 2016-17 Kiphire District Summary of Sector / Sub-sector wise PLP projections – 2016-17 (Rs. Lakh) Sr. Particulars PLP Projections No. 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 564.21 ii Water Resources 18.32 iii Farm Mechanisation 65.96 iv Plantation and Horticulture (including sericulture) 140.43 v Forestry and Waste Land Development 41.42 vi Animal Husbandry – Dairy 85.60 vii Animal Husbandry – Poultry 78.83 viii Animal Husbandry – Sheep, Goat, Piggery, etc. 181.42 ix Fisheries (Marine, Inland, Brackish water) 18.83 x Others – Bullock, Bullock cart, etc. 0.00 Sub Total 1195.02 B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, 52.50 Godowns, Silos, Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed 28.88 development. iii Others (Tissue culture, Agri bio-technology, Seed production, 3.85 Bio pesticides/ fertilizers, Vermin composing) Sub Total 85.23 C Ancillary activities i Food and Agro processing 131.25 ii Others (Loans to Cooperative Societies of farmers for disposing of 0.00 their produce, Agri Clinics/ Agri Business Centres, Loans to PACS / FSS/ LAMPS, Loans to MFIs for on lending) Sub Total 131.25 Total Agriculture 1411.50 II Micro, Small and Medium Enterprises i MSME – Manufacturing Sector 166.25 ii MSME – Service Sector 70.00 Total MSME 236.25 III Export Credit 0.00 IV Education 40.00 V Housing 108.00 VI Renewable Energy 9.72 VII Others (Loans to SHGs/ JLGs, PMJDY, etc) 251.50 VIII Social Infrastructure involving bank credit 41.20 Total Priority Sector 2098.17

03 PLP 2016-17 Kiphire District V. Area Development Plan /Scheme: Considering the availability of resources and market potential, Piggery, Poultry, Diary development and Bee keeping have been identified as major activities under area based schemes for the year 2016-17.

VI. Constraints and suggested action points for State Govt. and banking sector: The main issues confronting the district with regard to agriculture and rural development are poor communication and transportation facility. The credit flow towards agriculture and allied sector is poor because of the poor network of bank branches. State Bank of India and Nagaland State Co-operative Bank with total branch network of 3 branches are operating in the district and it makes the target set in the PLP a challenge to achieve. To meet the infrastructural gap the State Government can avail funds under RIDF/NIDA for creating the required infrastructural facilities in the district. Focus needs to be given for creating more agri-link roads, storage- marketing infrastructure and land development for terrace cultivation. To improve the credit flow under priority sector, the banks should try to reach out the unreached through adopting Business Correspondent model as it will reduce the cost of operations for the bank and the customer gets easy access to financial services.

VI. Thrust Areas for 2016-17: The main occupation of the people in the district is agriculture. The district is endowed with rich food and horticultural crops. However credit flow towards agriculture and allied sector has not been encouraging. Thus, thrust needs to be given on promotion of SHGs/JLGs and FCs in the district through which credit flow can be intensified. The pilot project of National Rural Livelihood Mission (NRLM) in Kiphire block which would help in giving momentum particularly to the SHG movement in the district. Focus needs to be given for graduating the matured SHGs/JLGs and FCs to Producers Organization for post-harvest management through creation infrastructure and setting upof processing units and other critical infrastructures by way of credit facilities from banks.

VII. Banking Products/Schemes introduced in the district: Prime Minister Jan Dhan Yojana (PMJDY) under National Mission on Financial Inclusion was launched in the district on 28th August, 2014. The mission will be implemented in two phases. Phase I from 15th August,2014 to 14th August,2015 and Phase II from 15th August,2015 to 14th August,2018. Further 3 (three) Social security Schemes namely Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojan (PMJJBY) and Atal Pension Yojana (APY) was launched in the district during the year 2015-16. The need for convergence of the services and extension facilities provided by the agriculture and other departments has been feltin the district. The banks need to provide timely credit tothe eligible borrowers to meet the cost for undertaking economic activities under the priority sector. The development of the district could be achieved with coordinated approach and efforts of all concern for enhancing capital formation. Better monitoring and review of reports at BLBC, DCC Meetings and effective implementation of financial inclusion plans will go a long way in shaping the development of the district.

04 PLP 2016-17 Kiphire District

MAP OF KIPHIRE DISTRICT

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PLP 2016-17 Kiphire District DISTRICT PROFILE With the majority of the people living in the villages, agriculture remains the main occupation of the people of the district. With a total area of 4228 sq. km and a population of 74004 Kiphire is the second least populous district of Nagaland after . Out of the population of 74,004, 37830 constitute the male population and 36174 the female population with an average population density of 65 per sq.km. The district has a sex ratio of every 967 females to 1000 males. The literacy rate of the district is 69.54%, male literacy rate is 74.88% and female literacy rate is 63.97%. The major towns of this district are Seyochung, Sitimi, Pungro and Kiphire. The growth trend in the district’s economy is low since no small or medium Industries exist and employment scope is also very low. Roads are the main means of transport and connectivity. However, the condition of most these roads are deplorable hampering the expansion of potential economic activities in district.

1.1. Issues Critical to the district. Kiphire district is located on hilly terrain and is a land locked area. On top of geographical remoteness, inaccessibility and population component, the district has a lot of critical infrastructural bottlenecks such as poor roads, inadequate transport facilities,insufficient drinking water,absence of godowns adequate market shed, poor tele communication facilities, absence of good educational institutions and good health care facilities, etc. Out of the critical issues mentioned above, we can consider poor roads which connect the district headquarter with State capital and connect the sub-division with the district headquarter, as the most critical issues as it affects the livelihood of thousands of villagers. Once efforts are made to address the main infrastructural bottlenecks, banks will be in a position to extend adequate credit facilities thus improving credit flow to the various sectors thereby impacting the economy of the district and improving the livelihood of the rural people.

1.2 New and Emerging Sectors/economic activities: Agriculture is the pre-dominant activity in the district which provides livelihood cum employment opportunities to majority of the rural people. Among agriculture crops Maize and Kholar (a local bean) are very popular in the district and are grown in plenty. The new economic activity that has the potential for development in the district is dairy farming. With the high demand for milk, the farmers have shown interest in taking up dairy activity as their additional income generating activity. Demand for fish rearing in the district is met through supply from other states. Thus, farmers have started fish farming as an activity for earning income. Bee keeping is another activity which has good potential in the district and there is demand for good honey in the market. Farmers have now started this venture as an activity.

1.3 Per Capita Income, GDP and Rural and Urban Poverty: Out of the state’s total rural household of 163786 (BPL Census 2002-03) identified as rural families still under below poverty line. Kiphire has 4882 families under BPL contributing to 2.98% of the state BPL figure. Economic activity is limited to agriculture only, so the per capita income of the individuals is low.

06 PLP 2016-17 Kiphire District District Profile

District - Kiphire State - Nagaland Division -

1. PHYSICAL & ADMINISTRATIVE 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 4228 Agro-climatic Zone Eastern Himalayan Region - North East Hills (Zone 2) No. of Sub Divisions 3 No. of Blocks 5 Climate Per humid to humid. No. of Villages (Inhabited) 89 Soil Type Red sandy, Laterite No. of Panchayats / VDBs 89 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 1.3 Normal 2012-13 2013-14 2014-15 Actual Forest Land 0.8 Rainfall [in mm] NA NA NA NA Area Not Available for Cultivation 18.2 Variation from Normal NA NA NA Permanent Pasture and Grazing Land NA Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops NA [Ham] NA NA NA Cultivable Wasteland NA 5. DISTRIBUTION OF LAND HOLDING Current Fallow NA Holding Area Classification of Holding Other Fallow NA Nos. % to Total Ha. % to Total Net Sown Area 0.3 <= 1 Ha NA NA NA NA Total or Gross Cropped Area NA >1 to <=2 Ha NA NA NA NA Area Cultivated More than once NA >2 Ha NA NA NA NA Cropping Inensity [GCA/NSA] NA Total NA NA NA NA 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 18.450 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers NA Population 0.74 0.38 0.36 0.57 0.16 Agricultural Labourers 0.440 Scheduled Caste 0 0 0 0 0 Workers engaged in Household Industries 0.323 Scheduled Tribe 0.74 0.38 0.36 0.57 0.16 Workers engaged in Allied Agro-activities NA Literate 69.5% 74.88% 63.97% NA NA Other workers 6.617 BPL NA NA NA NA NA 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 16.960 Having brick/stone/concrete houses NA Having electricity supply NA Rural Households NA Having source of drinking water NA Having independent toilets NA 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 91 Anganwadis NA Dispensaries NA Villages having Agriculture Power Supply NA Primary Health Centres 4 Hospitals 1 Villages having Post Offices NA Primary Health Sub-Centres 19 Hospital Beds 0 Villages having Banking Facilities NA 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 84 Fertiliser/Seed/Pesticide Outlets [Nos] NA Agriculture Pumpsets[Nos] NA Villages having Primary Health Centres 2 Total N/P/K Consumption [MT] NA 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 NA Pesticides Consumed [MT] NA Soil Testing Centres [Nos] NA 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] NA Plantation nurseries [Nos] NA Total Area Available for Irrigation (NIA + 0.56 Power Tillers [Nos] NA Farmers' Clubs [Nos] 5 Irrigation Potential Created NA Threshers/Cutters [Nos] NA Krishi Vigyan Kendras[Nos] NA Net Irrigated Area(Total area irrigated at 0.16 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels NA Rural/Urban Mandi/Haat [Nos] NA Wholesale Market [Nos] NA Area irrigated by Wells NA Length of Pucca Road [Km] NA 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] NA Cold Storage [Nos] NA Irrigation Potential Utilized (Gross Irrigated NA Goods Transport Vehicle [Nos] NA Cold Store Capacity[MT] NA 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS No of Cap.[M Type of Processing Activity 2012-13 2013-14 Avg. Yield units T] Crop [Kg/Ha] Food NA NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) Sugarcane NA NA Rice 9740 18890 10090 18380 1939.43 Fruit (Pulp/Juice/Fruit drink) NA NA Maize 7540 14800 7550 14860 1962.86 Spices (Masala Powders/Pastes) NA NA Potato 150 1490 150 1490 9933.33 Dry-fruit NA NA Soyabean 1070 1300 1070 1300 1214.95 Cotton 3 NA Wheat NA NA NA NA NA Milk NA NA Rapeseed & Mustard 1190 1200 1190 1200 1008.40 Meat NA NA Millets 100 110 110 120 1100.00 Animal feed 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 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 2 Animal Markets [Nos] NA Cattle - Cross bred 4024 1469 2555 Disease Diagnostic Centres [Nos] 2 Milk Collection Centres [Nos] NA Cattle - Indigenous 11214 2690 7190 Artificial Insemination Centers [Nos] NA Fishermen Societies [Nos] NA Buffaloes 89 59 30 Animal Breeding Farms [Nos] NA Fish seed farms [Nos] NA Sheep - Cross bred 57 NA NA Animal Husbandry Tng Centres [Nos] NA Fish Markets [Nos] NA Sheep - Indigenous NA NA NA Dairy Cooperative Societies [Nos] 1 Poultry hatcheries [Nos] NA Mithun 2846 1370 1475 Improved Fodder Farms [Nos] NA Slaughter houses [Nos] NA Pig - Cross bred 63060 15061 47999 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Goat 8797 NA NA Fish Production [MT] 194 Per cap avail. [gm/day] NA Horse/Donkey/Camel NA NA NA Egg Production [Lakh Nos] NA Per cap avail. [nos/p.a.] NA Poultry - Cross bred 82841 NA NA Milk Production ['000 MT] NA Per cap avail. [gm/day] NA Poultry - Indigenous 25917 NA NA Meat Production [MT] NA Per cap avail. [gm/day] NA

Item Nos. 1, 6, 7, 9 & 10 - Census 20011; 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 2011; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census 2007; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Sources (if not mentioned Eco. & Stat. against the respective item):

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07 PLP 2016-17 Kiphire District Banking Profile District - Kiphire State - NAGALAND Lead Bank - State Bank of India 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 1 2 2 NA NA NA NA NA 83 16960 Regional Rural Bank 0 0 0 NA NA NA NA NA 0 0 District Central Coop. Bank 0 0 0 NA NA NA NA NA 0 0 Coop. Agr. & Rural Dev. Bank 0 0 0 NA NA NA NA NA 0 0 Primary Agr. Coop. Society 0 0 0 NA NA NA NA NA 0 0 Nagaland SCB 1 1 1 NA NA NA NA NA 6 1040 All Agencies 2 3 3 NA NA NA NA NA 89 18000 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs.'lakh] 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 NA NA 3617.14 2640.10 2728.39 3.34 71.99 Regional Rural Bank NA NA NA NA NA 0.00 0.00 0 0.00 0.00 Cooperative Banks NA NA NA NA NA 788.93 960.97 1061.53 10.46 28.01 Other agencies NA NA NA NA NA 0.00 0.00 0 0.00 0.00 All Agencies NA NA NA NA NA 4406.07 3601.07 3789.92 5.24 100.00 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.'lakh] 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 NA NA 1310.35 1724.24 2179.35 31.59 73.00 Regional Rural Bank NA NA NA NA NA 0.00 0.0 0 0.00 0.00 Cooperative Banks NA NA NA NA NA 485.57 609.41 805.92 25.50 27.00 Other agencies NA NA NA NA NA 0.00 0 0 0.00 0.00 All Agencies NA NA NA NA NA 1795.92 2333.65 2985.27 29.94 100.00 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 36.23% 65.31 79.88 Commercial Banks NA NA 16800 NA Regional Rural Bank 0.00 0.00 0 Regional Rural Bank NA NA 0 NA Cooperative Banks 61.55% 63.42 75.92 Cooperative Banks NA NA 1200 NA Other agencies 0.00 0.00 0 Other agencies NA NA 0 NA All Agencies 40.76 64.8 78.77 All Agencies NA NA 18000 NA 6. PERFORMANCE TO FULFILL NATIONAL GOALS - loans outstanding as on 31/03/2015) Priority Sector Loans Loans to Agr. Sector Loans to Weaker Loans under DRI Loans to Women Agency Amount % of Total Amount % of Total Amount % of Total Amount % of Total Amount % of Total [Rs.'lakh] Loans [Rs.'lakh] Loans [Rs.'lakh] Loans [Rs.'lakh] Loans [Rs.'lakh] Loans Commercial Banks 311.15 NA 204.99 NA NA NA NA NA NA NA Regional Rural Bank 0.00 NA 0.00 NA NA NA NA NA NA NA Cooperative Banks 47.71 NA 26.32 NA NA NA NA NA NA NA Other agencies 0.00 NA 0.00 NA NA NA NA NA NA NA All Agencies 358.86 NA 231.31 NA 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 Ach'ment Ach[%] in [Rs.'lakh] [Rs. 'lakh] [%] [Rs.'lakh] [Rs. 'lakh] [%] [Rs.'lakh] [Rs. 'lakh] [%] last 3 years Commercial Banks 497.50 128.96 25.92 650.00 0.00 0.00 1233.00 735.00 59.61 28.51 Regional Rural Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cooperative Banks 277.50 12.47 4.49 150.00 0.00 0.00 212.00 140.00 66.04 23.51 Other agencies 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 All Agencies 775.00 141.43 18.25 800.00 290.76 36.35 1445.00 875.00 60.55 38.38 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.'lakh] [Rs. 'lakh] [%] [Rs.'lakh] [Rs. 'lakh] [%] [Rs.'lakh] [Rs. 'lakh] [%] last 3 years Crop Loan NA NA NA NA NA NA NA NA NA NA Term Loan (Agr) NA NA NA NA NA NA NA NA NA NA Total Agri. Credit 575.00 230.99 40.17 520.00 150.70 28.98 540.00 231.31 42.84 37.33 Non-Farm Sector 75.00 47.32 63.09 90.00 60.60 67.33 105.00 61.16 58.25 62.89 Other Priority Sector 150.00 12.14 8.09 200.00 10.80 5.40 230.00 66.39 28.87 14.12 Total Priority Sector 800.00 290.45 36.31 810.00 222.10 27.42 875.00 358.86 41.01 34.91 9. RECOVERY POSITION 2012-13 2013-14 2014-15 Average Agency Demand Recovery Recovery Demand [Rs. Recovery Recovery Demand Recovery Recovery Rec. [%] in [Rs. 'lakh] [Rs. 'lakh] [%] 'lakh] [Rs. 'lakh] [%] [Rs. 'lakh] [Rs. 'lakh] [%] last 3 years Commercial Banks 29 6 21.76 169.66 118.34 69.75 263.00 217.00 82.51 58.01 Regional Rural Bank 0 0 0 0 0 0 0 0 0 0.00 Cooperative Banks 16.17 8.51 52.63 20.14 13.27 65.89 68.7 10.46 15.23 44.58 Other agencies 0 0 0 0 0 0 0 0 0 0.00 All Agencies 45 15 33 190 132 69 331.70 227.46 68.57 56.91

Sources : Lead Bank & SLBC

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