PLP 2016-17 Tuensang District EXECUTIVE SUMMARY

“Accelerating the pace of capital formation in agriculture and allied sector”

The Potential Linked Credit Plan (PLP) is prepared with a view to serve as a reference document for various policy makers, developmental and promotional agencies for planning at various levels and for creation of requisite infrastructure to meet the need of the district by judicious tapping of the potential. It facilitates banks for extending credit to viable activities in the district and line departments and developmental agencies may provide necessary infrastructure and linkage support. The PLP projections serve as a basis for banks in preparing Annual Credit Plan with special thrust on ‘Areas based Schemes’. Saving and Investment leading to capital formation are the prime movers of the economy. Capital formation refers to addition to the capital stock of an economy which enhances the productive capacity of various factors of production viz. land, labour, capital and entrepreneurship in all the sectors i.e. primary (including agriculture), secondary and tertiary. With a large capital stock, an economy acquires the capacity to change, innovate and adjust to new ideas and technological advances. 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. Tuensang district with a total geographical area of 1728 sq. kms has a total population of 1,96,596 as per the 2011 Census. It lies on the eastern part of Nagaland sharing its border with Myanmar in the east, Kiphire district in the south, Mon and Longleng districts in the north and Mokokchung and Zunheboto districts in the west. The main inhabitants of the district are Chang, Sangtam, Yimchungru and Khiamniungan spread over 104 villages. The economy of Tuensang district is primarily based on agriculture and allied activities. Traditional rain-fed agri-horticulture crop production is the main farming system in the district. Jhum cultivation is practiced along with terrace rice cultivation on the hill slopes. Paddy is the dominant crop grown in Tuensang district and occupies 64 % of the cultivated area. Rajmah Kholar / Kidney Bean is another important cash crop of the district. The PLP of Tuensang district seeks to present a comprehensive assessment of potentials available under various sectors of the economy, the credit requirements for exploiting the potentials, available infrastructure as well as credit absorption capacity of the borrowers. It also show-cases the non- credit inputs required and aspects that require the attention of the Government and other agencies involved in the development process. Tuensang district has a hilly terrain and is land locked. There are a lot of critical issues which need to be addressed. The district suffers from a lack of basic infrastructure such as good roads, surface transport connectivity and drinking water. Other important infrastructures such as tele communication facilities, quality educational institutions, medical facilities, banking services are grossly inadequate. Of the critical issues mentioned above, priority should be accorded to provision of adequate surface transport connectivity and improvement of existing roads as this basic infrastructure affects the livelihood of thousands of villagers. Once road connectivity is developed the pace of development in various sectors of the district’s economy will be accelerated and the pace in flow of credit will improve. Agriculture is the main occupation of the people and crop production is an important activity for the economy of the district which provides livelihood-cum-employment opportunities for the rural population. The new and emerging sectors/economic activities in the district are Piggery farming and vegetable cultivation. Pig farming and vegetable cultivation will provide employment opportunities to seasonally employed rural farmers and supplement their income to improve their living standards. The PLP of Tuensang district has estimated an institutional credit potential of Rs. 5623.20 lakh for the year 2016-17. The credit potential for Agriculture has been estimated at Rs. 4074.89 lakh, Micro,

1 PLP 2016-17 Tuensang District Small and Medium Enterprises at Rs. 635.00 lakh, Education at Rs. 192.00 lakh, Housing at Rs. 420.00 lakh, Social Infrastructure at Rs.39.20 lakh, Renewable Energy at Rs. 13.61 lakh and Others at Rs. 248.50 lakh Broad Sector-wise PLP Projections for the year 2016-17

Name of the district: Tuensang State: Nagaland (Rs. in lakh) Sr. Particulars PLP Projections 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 717.04 ii Term Loan for agriculture and allied activities 2669.14 Sub Total 3386.18 B Agriculture Infrastructure 343.46 C Ancillary activities 345.25 I Credit Potential for Agriculture (A+B+C) 4074.89 II Micro, Small and Medium Enterprises 635.00 III Export Credit 0.00 IV Education 192.00 V Housing 420.00 VI Renewable Energy 13.61 VII Others 248.50 VIII Social Infrastructure involving bank credit 39.20 Total Priority Sector (I to VIII) 5623.20

2 PLP 2016-17 Tuensang District Summary of Sector/Sub-sectorwise PLP Projections for the year 2016-17 (Rs. in Lakh) Sr. No. Particulars PLP Projections 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 717.04 ii Water Resources 134.49 iii Farm Mechanization 285.61 iv Plantation and Horticulture (including sericulture) 793.58 v Forestry and Waste Land Development 204.30 vi Animal Husbandry – Dairy 106.72 vii Animal Husbandry – Poultry 212.60 viii Animal Husbandry – Sheep, Goat, Piggery, etc. 714.24 ix Fisheries (Marine, Inland, Brackish water) 217.60 Sub Total 3386.18 B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, Go 52.50 downs, Silos, Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed development 249.62 iii Others (Tissue culture, Agri bio-technology, Seed production, Bio 41.34 pesticides/ fertilizers, Vermin composting) Sub Total 343.46 C Ancillary activities i Food and Agro processing 329.25 ii Loans to MFIs 16.00 Sub Total 345.25 Total Agriculture 4074.89 II Micro, Small and Medium Enterprises i MSME – Working capital 170.00 ii MSME – Investment credit 465.00 Total MSME 635.00 III Export Credit 0.00 IV Education 192.00 V Housing 420.00 VI Renewable Energy 13.61 VII Others - Overdraft facility to PMJDY account holders 248.50 VIII Social Infrastructure involving bank credit 39.20 Total Priority Sector 5623.20

3 PLP 2016-17 Tuensang District

MAP OF TUENSANG DISTRICT

4 PLP 2016-17 Tuensang District DISTRICT PROFILE

Tuensang district, along with Mokokchung and Kohima was among the three original districts during the creation of Nagaland State. However, with time, the district has gradually diminished in size with carving out of the districts of Mon, Kiphire and Longleng district. The area comprising the present Tuensang district remained unadministered prior to 1947 and had almost no contact with the outside world. For the first time, an administrative post was established at Tuensang HQ in 1948. In 1954, the district was brought under the North East Frontier Agency (NEFA) as the Tuensang Frontier Division. However, in 1957, the Tuensang Frontier Division was merged with Naga Hills District of Assam to form an administrative unit called the Naga Hills Tuensang Area which finally became a full-fledged state on 1st November 1963. The administrative machinery under the Deputy Commissioner (DC) who is ably assisted by the Additional Deputy Commissioners, Sub Divisional Officers and Extra Assistant Commissioners functions from Tuensang town. For administrative convenience the district is further divided into sub-divisions. There are nine rural development blocks viz. Chare, Longkhim, Noklak, Sangsangyu, Noksen, Shamator, Chessore, Thonoknyu and Panso each headed by ADC, SDO, EAC and Block Development Officer (BDO). Besides, there are also councils at the village level with the responsibility for settlement of disputes in accordance with the customary laws and procedures laid down in the Nagaland Village and Area Council Act 1978. The whole of Tuensang district is mountainous and the middle Mountain ranges and the Patkai Range dominate the topography. The entire district is criss-crossed by numerous rivers, streams and rivulets. Dikhu, Zungki and Tizu are the biggest rivers flowing through the district. The district is rich in mineral resources. The eastern part of the district lies along the Ophiloite belt where mineral-bearing rocks occur. Coal, limestone, marbles, chromites etc. are the major minerals found in the district. These resources are yet to be economically exploited for the benefit of the people in the district. There are many areas where the district can create opportunities and generate employment. Tourism and hospitality industry, eco-tourism, rural tourism and adventure sports are some potential areas. Enhancement of infrastructure and rural connectivity linkages in the rural areas is however required to realize these prospects. The potentials have to be packaged, advertised and marketed professionally. Travel agents, travel services, organizers, tourist guides, caterers, shop owners, hoteliers and restaurants are related and associated professions in this sector. Eco-tourism in Tuensang has the potential to be a major revenue and employment generating enterprise. However, infrastructure, roads, boarding / lodging facilities and connectivity have to be strengthened. Inner Line Permit (ILP) issues have to be made more tourist friendly. However all these require investment in power, bandwidth availability and accommodation for employees. Like most of the districts in Nagaland, Tuensang does not have any major industrial establishment worth the mention. Though adequately rich in mineral and forest resources, it is yet to be exploited. Lack of accessibility and connectivity proves a major hindrance to the development of industries. Handloom and handicrafts, small metal works, motor workshops and repair of electronic goods are the notable industrial activities. Most of the small industrial works are localized at home. The household industry employs 1.1 percent of the total workforce of the district.

5 PLP 2016-17 Tuensang District

District Profile District : Tuensang State : Nagaland Division : 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) $ 1728 Agro-climatic Zone (Vision Mid Tropical Hill Zone Category No. of Sub Divisions 2025) No. of Blocks 9 Climate Pre humid to humid No. of Villages (Inhabited) 116 Soil Type Red sandy and laterite No. of VDBs 102 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER (Statistical Handbook 2014) Total Area Reported (Agriculture Census 2005-06) 422800 Normal 2012 2013 2014 Actual Forest Land $ 50000.00 Rainfall [in mm] 2500 2100 2100 2600 Area Not Available for Cultivation NA Variation from Normal -400 -400 100 Permanent Pasture and Grazing Land NA Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops (Vision 2025) NA [Ham] NA NA NA Cultivable Wasteland NA 5. DISTRIBUTION OF LAND HOLDING (Agriculture Census 2005-06) Current Fallow NA Holding Area Classification of Holding Other Fallow NA Nos. % to Total Ha. % to Total Net Sown Area 30377 <= 1 Ha 952 3 645 0 Total or Gross Cropped Area (Tuensang HDR) 26510 >1 to <=2 Ha 2524 8 2871 2 Area Cultivated More than Once NA >2 Ha 29363 89 158456 98 Cropping Inensity [GCA/NSA] NA Total 32839 100 161972 100 6. WORKERS PROFILE [in '000] (Statistical Handbook 2014) 7. DEMOGRAPHIC PROFILE [in '000] (Statistical Handbook 2014) Cultivators 57 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 57 Population 196 102 94 160 36 Agricultural Labourers 1 Scheduled Caste NA NA NA NA NA Workers engaged in Household Industries 1 Scheduled Tribe NA NA NA NA NA Workers engaged in Allied Agro-activities NA Literate 117 64 54 NA NA Other workers 14 BPL NA NA NA NA NA 8. HOUSEHOLDS [in '000] (Statistical Handbook 2014) 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] (Nagaland HDR 2004) Total Households 17 Having brick/stone/concrete houses NA Having electricity supply NA Rural Households 28 Having source of drinking water 3 Having independent toilets NA BPL Households NA Having access to banking services NA Having radio/tv sets NA (31/03/14) 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 122 Anganwadis (Nagaland HDR 2004) Dispensaries 1 Primary Health Centres (Nagaland HDR Hospitals (Statistical Handbook Villages having Agriculture Power Supply NA 11 1 2004) 2013) Villages having Post Offices/Sub Post Offices (Statistical Primary Health Sub-Centres (Nagaland HDR Hospital Beds (Statistical 27 39 240 Handbook 2013) 2004) Handbook 2013) Villages having Banking Facilities 4 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Agriculture Pumpsets[Nos] Villages having Primary Schools (Nagaland HDR 2004) NA Fertiliser/Seed/Pesticide Outlets [Nos] NA NA (Vision 2025) Total N/P/K Consumption [MT] (Nagaland Villages having Primary Health Centres (Nagaland HDR 2004) NA NA Pumpsets Energised [Nos] NA HDR 2004) 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 Agriculture Tractors [Nos] (Nagaland HDR 13. IRRIGATION COVERAGE [Ha] NA Plantation nurseries [Nos] NA 2004) Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] (Vision 2025) NA Farmers' Clubs [Nos] 18 Irrigation Potential Created (Tuensang HDR) 10742 Threshers/Cutters [Nos] NA Krishi Vigyan Kendras[Nos] 1

Net Irrigated Area (Total area irrigated at least once) 4257 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING

Area irrigated by Canals / Channels NA Rural/Urban Mandi/Haat [Nos] 10 Wholesale Market [Nos] 4

Length of Pucca Road [Km] (Statistical Area irrigated by Wells NA 35 Godown [Nos] 0 Handbook 2013) Area irrigated by Tanks NA Length of Railway Line [Km] 0 Godown Capacity[MT] 0 Area irrigated by Other Sources NA Public Transport Vehicle [Nos] Cold Storage [Nos] 0 Irrigation Potential Utilized (Gross Irrigated Area) NA Goods Transport Vehicle [Nos] Cold Store Capacity[MT] 0 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) 2 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) - - Jhum Paddy 10510 20200 10480 20310 1937 Fruit (Pulp/Juice/Fruit drink) (Statistical - - Terrace Paddy 3630 9180 4050 10530 2600 Handbook 2013) Spices (Masala Powders/Pastes) - - Maize 10110 19910 10120 19920 1968 Dry-fruit (Cashew/Almond/Raisins) - - Small Millets 750 840 770 870 1129 Cotton (Ginnining/Spinning/Weaving) - - Mustard 2140 2160 2140 2160 1009 Milk (Chilling/Cooling/Processing) - - Soyabean 2120 2630 2120 2630 1240 Meat (Chicken/Motton/Pork/Dryfish) - - Potato 940 9200 940 9200 9787 Animal feed (Cattle/Poultry/Fishmeal) - - Rajmah (Kolar) 5620 7010 5660 7130 1259 17. ANIMAL POPULATION AS PER CENSUS 2007 [in '000] (Livestock 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES (Statistical Handbook 2014) Census 2007) Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 6 Animal Markets [Nos] Cattle - Cross bred 15 3 12 Disease Diagnostic Centres [Nos] Milk Collection Centres [Nos] Cattle - Indigenous 12 4 8 Artificial Insemination Centers [Nos] 1 Fishermen Societies [Nos] 26 Buffaloes 0.03 0.01 0.02 Animal Breeding Farms [Nos] 2 Fish seed farms [Nos] Sheep - Cross bred 0 0 0 Animal Husbandry Tng Centres [Nos] Fish Markets [Nos] Sheep - Indigenous 0.01 0 0 Dairy Cooperative Societies [Nos] - 28 Poultry hatcheries [Nos] 1 functional Goat 10 0 0 Improved Fodder Farms [Nos] 1 Slaughter houses [Nos]

Pig - Cross bred 0 0 0 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY (AA Report 2013-14) #

Pig - Indigenous 52 0 0 Fish Production [MT](2012-13) NA Per cap avail. [gm/day] NA Horse/Donkey/Camel 0 0 0 Egg Production [Lakh Nos] 758 Per cap avail. [nos/p.a.] 43.00 Poultry - Cross bred 0 0 0 Milk Production ['000 MT](2012- 78 Per cap avail. [gm/day] 167.00 13) Poultry - Indigenous 153 0 0 Meat Production [MT] 102 Per cap avail. [gm/day] 0.03

NA: Data not available 6 PLP 2016-17 Tuensang District

Banking Profile District - Tuensang State - Nagaland Lead Bank - State Bank of India

1. NETWORK & OUTREACH (As on 31/03/2015) No. of Branches No. of non-formal agencies associated Per Branch Outreach No. of Agency Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs @ BCs/BFs Villages Households

Commercial Banks 1 7 0 7 0 N.A. N.A. N.A. N.A. N.A. Regional Rural Bank 0 0 0 0 0 0 0 0 0 0 District Central Coop. Bank 0 0 0 0 0 0 0 0 0 0 Coop. Agr. & Rural Dev. Bank 0 0 0 0 0 0 0 0 0 0 Primary Agr. Coop. Society 0 0 0 0 0 0 0 0 0 0 Nagaland SCB 1 1 0 1 0 N.A. N.A. N.A. N.A. N.A. All Agencies 2 8 0 8 0 N.A. N.A. N.A. N.A. N.A. 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [` in 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 N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. Regional Rural Bank 0 0 0 0 0 0 0 0 Cooperative Banks N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. Other agencies 0 0 0 0 0 0 0 0 All Agencies N.A. N.A. N.A. N.A. N.A. N.A. N.A. 10736 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [` in 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 N.A. N.A. N.A. N.A. N.A. 352 Regional Rural Bank 0 0 0 0 0 0 0 0 0 0 Cooperative Banks N.A. N.A. N.A. N.A. N.A. Other agencies 0 0 0 0 0 0 0 101 0 0 All Agencies N.A. N.A. N.A. N.A. N.A. 0 0 453 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 N.A. N.A. N.A. Commercial Banks N.A. N.A. N.A. N.A. Regional Rural Bank 0 0 0 Regional Rural Bank N.A. N.A. N.A. N.A. Cooperative Banks N.A. N.A. N.A. Cooperative Banks N.A. N.A. N.A. N.A. Other agencies 0 0 0 Other agencies N.A. N.A. N.A. N.A. All Agencies N.A. N.A. 91 All Agencies 7815 N.A. 7815 N.A. 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 [` in % of Total Amount [` in % of Total Amount [` in % of Total % of Total Amount [` in % of Total Amount [` in lakh] lakh] Loans lakh] Loans lakh] Loans Loans lakh] Loans

Commercial Banks 2296 33 1569 17 N.A. N.A. N.A. N.A. N.A. N.A. Regional Rural Bank 0 0 0 0 0 0 0 0 0 0 Cooperative Banks 570 70 86 11 N.A. N.A. N.A. N.A. N.A. N.A. Other agencies 0 0 0 0 0 0 0 0 0 0 All Agencies 3566 36 1655 17 N.A. N.A. N.A. N.A. N.A. N.A. 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Agency Ach [` in Ach [` in Ach[%] in last Trg [` in lakh] Ach [%] Trg [` in lakh] Ach [%] Trg [` in lakh] Ach [` in lakh] Ach [%] lakh] lakh] 3 years

Commercial Banks 127930.00 101248.00 79.14 1942 912 47 2214 901 41 Regional Rural Bank 0 0 0 0 0 0 0 0 0 0 Cooperative Banks 16801.00 12558.00 74.75 549 203 37 264 374 142 Other agencies 0 0 0 0 0 0 0 0 0 0 All Agencies 144731 113806 78.63 2491 1115 45 2478 1275 51 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Broad Sector Ach [` in Ach [` in Ach[%] in last Trg [` in lakh] Ach [%] Trg [` in lakh] Ach [%] Trg [` in lakh] Ach [` in lakh] Ach [%] lakh] lakh] 3 years

Crop Loan N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. Term Loan (Agr) N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A.

Total Agri. Credit 1797 836 47 1627 858 53 1669 453 27 Non-Farm Sector 294 57 19 344 261 76 387 129 33 Other Priority Sector 400 222 55 506 156 31 506 334 66 Total Priority Sector 2491 1115 45 2478 1275 51 2562 917 36 9. RECOVERY POSITION 2012-13 2013-14 2014-15 Average Rec. Agency Demand [` in Recovery [` Demand [` in Recovery [` Demand [` in Recovery [` in [%] in last 3 Recovery [%] Recovery [%] Recovery [%] lakh] in lakh] lakh] in lakh] lakh] lakh] years

Commercial Banks N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. Regional Rural Bank N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. Cooperative Banks N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. Other agencies N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. All Agencies N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. Source : Lead Bank & SLBC

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