Executive Summary
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PLP 2016-17-Unakoti EXECUTIVE SUMMARY 1. The theme of the PLP 2016-17 is “Accelerating the pace of capital formation in agriculture and allied sector”. 2. Kailashahar, the head quarter of Unakoti District is located at a distance of 175 km from the State Capital and it is connected by road only. Kumarghat, the second biggest town of the district is an important junction on the National Highway 44, connecting Agartala, Dharmanagar and Kailashahar. Chatlapur Bharat Bangladesh International Border is located at the district HQ-Kailashahar. 3. The district has 04 blocks & 02 Sub-divisions. Unakoti Hill, literally meaning, one less a crore in Bengali, hosts an ancient Shaivite place of worship with huge rock cut images and stone idols of Lord Shiva. It is the prime tourist spot of Unakoti district, recognised by ASI. The marvellous rock carvings, murals with their primitive beauty, waterfalls are the chief attraction. These rock cut carvings are huge in size and made on vertical walls exposed in the open atmosphere. 4. The district has a total population of 3,10,300 of which 90% are rural population. Agriculture and allied activities forms the backbone of the economy of the district. Of the total farmers, small and marginal farmers constitute about 85%. The district is rich in natural resources, however due to the absence of required infrastructure the district is lagging behind in development. 5. The district has 6 Commercial Banks, 2 Private Banks, 1 RRB, 1 StCB and 1 SCARDB. The branch network of the CBs, RRB and StCB are meeting the banking needs of the population of the district. There is about 23% growth trend in the loans and advances sector during the last three years. The average achievement under Annual Credit Plan during last three years is recorded at 83% of the target. 5. The credit potential for 2016-17 under Agriculture comprising Farm Credit, Agriculture Infrastructure and Ancillary activities is estimated at `8563.09 lakh. 6. Production credit potential for agriculture is estimated at ` 5278.64 lakh during 2016-17. 7. Farm mechanization is estimated to have a credit potential of `157.61 lakh during 2016-17, which includes only power tillers in view of very small landholdings. 8. For the development of horticulture sector of the district, the estimated credit potential stood at `318.94 lakh during 2016-17. 9. Forest constitutes 65% of the total geographical area of the district. The rural population is largely dependent on bamboo, which is considered as the poor man's timber. A credit potential of `5.88 lakh is estimated for forestry and waste land development in the district for 2016-17. 10. The Animal Husbandry is a Thrust Area of the State Government and hence a credit potential of `1874.43 lakh during 2016-17 is estimated. 1 PLP 2016-17-Unakoti 11. Fisheries have a good scope for development in the district. Existing ponds and other water bodies are taken-up for use by SHGs and fish farmer’s societies, who are earning their livelihood from fish production. The credit potential estimated for fisheries for 2016-17 stood at `577.97 lakh. 12. Post harvest infrastructure viz. storage godown has been estimated a credit potential of `34.00 lakh during 2016-17 and these are mainly of small godowns in nature to be established by the farmers. Draught animal credit potential is estimated at `10.00 lakhs for the year 2016-17. 13. Credit potential for Secondary Sector (MSME) is estimated at `5286.34 lakh for the year 2016-17 keeping in view the scope for funding the unfunded segment through Pradhan Mantri Mudra Yojana. 14. Export, Education, Housing, Social Infrastructure, Renewable Energy and Others (SHGs, JLGs & PMJDY accounts overdraft) also plays important role in the development of priority sector. Accordingly, a potential of `50.05 lakh, `1018.79 lakh, `15.32 lakh and `247.00 lakh towards Education, Housing, Renewable Energy and Others respectively is estimated for the year 2016-17. 15. An area based scheme viz. Backyard Poultry Farming is formulated for the district targeting the small and marginal farmer households. There is a target to cover 40 small and marginal farmers during 2016-17 under the scheme involving a bank loan of `12.00 lakh. 16. As a majority of farmers are small and marginal, the thrust for 2016-17 would be to credit link them with bank through formation of Joint Liability Groups. Further, poor rural households would be brought under the banking fold through formation of SHGs under NERLP. 17. The PLP as a whole has estimated a credit potential of the order of `15180.59 lakh for 2016-17 for priority sector activities. It shall be the endeavour of all the financial institutions, line departments, developmental agencies, NGOs etc., to ensure adequate credit flow commensurate with the potentials identified in this document for overall development of the district. 2 PLP 2016-17-Unakoti BROAD SECTOR-WISE PLP PROJECTIONS (YEAR – 2016-17) Name of the district : Unakoti State : Tripura (` lakh) Sr. No. Sector/Activity Financial Projections 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 5278.64 ii Term Loan for Agriculture and Allied Activities 3090.19 Sub Total : 8368.83 B Agriculture Infrastructure 173.94 C Ancillary activities 20.32 I Credit Potential for Agriculture (A+B+C) 8563.09 II Micro, Small and Medium Enterprises 5286.34 III Export Credit 0.00 IV Education 50.05 V Housing 1018.79 VI Renewable Energy 15.32 VII Others 247.00 VIII Social Infrastructure involving bank credit 0.00 Total Priority Sector (I to VIII) 15180.59 Broad Sector-wise PLP Projections Others Housing 2% 7% Agriculture MSME Export Credit MSME 35% Agriculture 56% Education Housing Renewable Energy Others Social Infrastructure 3 PLP 2016-17-Unakoti SUMMARY OF SECTOR-WISE PLP PROJECTIONS (YEAR – 2016-17) Name of the district : Unakoti State : Tripura (` lakh) Sr. No. Sector 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 5278.64 ii Water Resources 145.36 iii Farm Mechanization 157.61 iv Plantation & Horticulture 318.94 v Forestry & Wasteland Development 5.88 vi AH-Dairy Development 1087.40 vii AH-Poultry Farming 433.68 viii AH-Sheep/ Goat and Piggery Development 353.35 ix Fisheries Development 577.96 x Other Activities 10.00 Sub Total: 8368.82 B Agriculture Infrastructure i Construction of Storage facilities 34.00 ii Land Development 139.94 Sub Total: 173.94 C Ancillary Activities i Food & Agro Processing 1.58 ii Rice Mill 18.75 Sub Total: 20.33 Total Agriculture 8563.09 II Micro, Small and Medium Enterprises i MSME – Working Capital 1017.23 ii MSME – Investment Credit 4269.11 III Export Credit 0.00 IV Education 50.05 V Housing 1018.79 VI Renewable Energy 15.32 VII Others (Loans to SHGs/JLGs, loans to distressed persons to prepay 247.00 non-institutional lenders, PMJDY, loans to State sponsored organizations for SC/ST) VIII Social Infrastructure involving bank credit 0.00 Total Priority Sector 15180.59 4 PLP 2016-17-Unakoti 5 PLP 2016-17-Unakoti District Profile District - Unakoti State - Tripura Division - Kailashahar & Kumarghat 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 686.97 Agro-climatic Zone Semi Arid No. of Sub Divisions 2 No. of Blocks 4 Climate Humid No. of ADC Villages 27 Soil Type Aluvial & acidic No. of Gaon Panchayats 59 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 69615 Normal 2012 2013 2014 Actual Forest Land 32521 Rainfall [in mm] 2438.60 1703.50 2162.60 1871.30 Area Not Available for Cultivation 11920 Variation from Normal -735.10 -276.00 -567.30 Permanent Pasture and Grazing Land 544 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 4103 Water [Ham] - - - Cultivable Wasteland 963 5. DISTRIBUTION OF LAND HOLDING Current Fallow 277 Holding Area Classification of Holding Other Fallow 69 Nos. % to Total Ha. % to Total Net Sown Area 19218 <= 1 Ha 7863 45 8648 45 Total or Gross Cropped Area 30736 >1 to <=2 Ha 6116 35 6726 35 Area Cultivated More than Once 10806 >2 Ha 3494 20 3844 20 Cropping Intensity [GCA/NSA] 160 Total 17473 100 19218 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivator household 17 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers' household 14 Population 310 157 153 - - Agricultural Labourers - Scheduled Caste 61 - - - - Workers engaged in Household Industries - Scheduled Tribe 70 - - - - Workers engaged in Allied Agro-activities - Literate 302 154 148 - - Other workers - BPL families - - - - - 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 62 Having brick/stone/concrete houses 44 Having electricity supply 25 Rural Households 53 Having source of drinking water 7 Having independent toilets - BPL Households - Having access to banking services 56 Having radio/tv sets - 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 86 Anganwadis 658 Community Health Centres 1 Villages having Agriculture Power Supply - Primary Health Centres 7 Hospitals 2 Villages having Post Offices - Primary Health Sub-Centres 74 Hospital Beds 355 Villages having Banking Facilities 86 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 86 Fertiliser/Seed/Pesticide Outlets [Nos] 29 Agriculture Pumpsets[Nos] 250 Villages having Primary Health Centres 7 Total N/P/K Consumption [Kg/Ha] 36.00 Pumpsets Energised [Nos] - Villages having Potable Water Supply 86 Certified Seeds Supplied [MT] 191.00 Agro Service Centres [Nos] - Villages connected with Paved Approach Roads 86 Pesticides Consumed [MT] - Soil Testing Centres [Nos] - 13.