PLP 2016-17 District EXECUTIVE SUMMARY

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

An erstwhile Sub-division of District, Wokha was upgraded to the status of a full- fledged district in the year 1976. Bounded by Mokokchung and Zunheboto districts on the east, district on the South and of State on the Northwest, occupies an area of 1628 sq.km and accounts for 9.82% of the total geographical area of the State. Demographically, the district is home to the tribe, which is one of the major tribes in the state of . The topography of the district is characterized by hills that can be grouped into three hill ranges. These are, (i) the upper range spread over the Wokha Block, (ii) the middle range covering Bagthy, Sungro, Ralan, Lotsu and Aitepyong areas and (iii) the lower ranges comprising Bhandari and its surrounding areas. The altitude of these places ranges from 200 to 1500 meters above sea level. Wokha, the district head quarter is at an altitude of 1314 meters above sea level. The district is divided into seven developmental blocks namely i) Wokha, ii) Chukitong, iii) Wozhuro, iv) Ralan, v) Bhandari, vi) Sanis and vii) Changpang block respectively and each block is under Additional Deputy Commissioner / Block Development Officer who are the pivotal factors in the development of the rural areas as they do planning at the village level and also help to implement various centrally and state sponsored schemes. The PLP of Wokha district seeks to present a comprehensive assessment of potentials available in various sectors of the district’s economy, the credit requirements for exploiting the potentials, available infrastructure as well as credit absorption capacity of the financing institutions. Agriculture and allied activities are the principal means of livelihood for nearly 80% of the population residing in rural area. The cultivated area in the district is approximately 42750 Ha and rice is the major food crop occupying 77% of the total cultivated area. Other major crops grown in the district are maize, beans, peas, yam, brinjal, chilli, pumpkin, ginger, tomato etc. Major Horticulture crops consist of orange, banana, passion fruit, pineapple, papaya, plum etc. The overall credit flow in the priority sector in the last two years was Rs.1191.33 lakhs in 2012-13 and Rs.760.56 lakhs in 2013-14 respectively. The overall ACP achievement in the district during 2013-14 was 43.66% with credit flow in the agriculture sector recording an achievement of only 15.95%. Institutional credit flow towards agriculture sector especially crop loan in the district is a cause for concern and efforts should be made by financing agencies to improve their performance under this sector.

Credit Estimates for 2016-17 The Reserve Bank of (RBI) vide their circular No.FIDD.CO.Plan.BC.54 /04.09.01/2014-2015 dated 23rd April 2015 has revised and classified Priority Sector Lending (PSL) norms into eight broad sectors viz., (i) Agriculture (ii) Micro, Small and Medium Enterprises (iii) Export Credit (iv) Education (v) Housing (vi) Social Infrastructure (vii) Renewable Energy and (viii) Others. The sub-sectors and activities covered under each broad sector have also undergone revision. Accordingly, in view of the changes brought out by RBI, the composition and content of PLP document have also been revised so as to align with the revised guidelines on PSL. The PLP of Wokha district has estimated an institutional credit potential of Rs. 11538.36 lakh for the year 2016-17 out of which credit potential for Agriculture has been estimated at Rs. 6798.81 lakh. Credit potential for Micro, Small and Medium Enterprises at Rs. 3355.38 lakh, Export Credit at Rs. 409.80 lakh, Education at Rs. 176.00 lakh, Housing at Rs. 280.00 lakh, Renewable Energy at Rs. 70.37 lakh, Social Infrastructure at Rs. 183.00 lakh and Others at Rs. 265.00 lakh. For arriving at the potentials, the latest Scale of Finance (SOF) and Unit Cost (UC) have been followed. Hence, it will be seen that suitable upward revision has been made in the Base PLP projections for the year 2016-17. 01 PLP 2016-17 Wokha District The above mentioned potentials can be effectively utilized only with investment in rural infrastructure as it will create new economic opportunities and activities. Here, GoN needs to identify and commercialize infrastructure projects through Private Public Partnership (PPP) covering power, transportation and information technology. Also, projects which are commercially viable may be developed through private sector investment. The challenges faced by our country in securing food as well as nutritional security to fast growing population need an integrated approach for livestock and vegetable farming. Hence, dairy development and development of kitchen garden for raising vegetables through group modes viz. Joint Liability Group (JLG) and Self Help Group (SHG) have been identified as two Area Development Schemes in this document for implementation with support from government departments / KVK and banks. This co-ordinated approach will encourage and enhance capital formation in agriculture, thereby, leading to sustainable development. In Annexure – I (enclosed), the above potentials have been segregated Block wise.

Broad Sector-wise PLP Projections for the year 2016-17 Name of the district: Mon State: Nagaland (Rs Lakh) Sr. Particulars PLP Projections 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 1393.79 ii Term Loan for agriculture and allied activities 4395.76 Sub Total 5789.55 B Agriculture Infrastructure 751.76 C Ancillary activities 257.50 I Credit Potential for Agriculture (A+B+C) 6798.81 II Micro, Small and Medium Enterprises 3355.38 III Export Credit 409.80 IV Education 176.00 V Housing 280.00 VI Renewable Energy 70.37 VII Others 265.00 VIII Social Infrastructure involving bank credit 183.00 Total Priority Sector (I to VIII) 11538.36

02 PLP 2016-17 Wokha District

Sector-wise PLP projections of Wokha district for the year 2016-17

03 PLP 2016-17 Wokha 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 1393.79 ii Water Resources 212.48 iii Farm Mechanisation 243.09 iv Plantation and Horticulture (including sericulture) 1278.06 v Forestry and Waste Land Development 138.90 vi Animal Husbandry – Dairy 187.80 vii Animal Husbandry – Poultry 1362.18 viii Animal Husbandry – Sheep, Goat, Piggery, etc. 684.42 ix Fisheries (Marine, Inland, Brackish water) 288.83 Sub Total 5789.55 B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, Go- 603.75 downs, Silos, Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed development 106.57 iii Others (Tissue culture, Agri bio-technology, Seed production, Bio 41.44 pesticides/ fertilizers, Vermin composting) Sub Total 751.76 C Ancillary activities i Food and Agro processing 232.50 ii Others - Loans to MFIs for onlending to agriculture 25.00 Sub Total 257.50 Total Agriculture 6798.81 II Micro, Small and Medium Enterprises i MSME – Working capital 563.50 ii MSME – Investment credit 2791.88 Total MSME 3355.38 III Export Credit 409.80 IV Education 176.00 V Housing 280.00 VI Renewable Energy 70.37 VII Others (SHGs/JLGs/PMJDY) 265.00 VIII Social Infrastructure involving bank credit 183.00 Total Priority Sector 11538.36

04 PLP 2016-17 Wokha District PLP 2016-17 Wokha District

MAP OF WOKHA DISTRICT MAP OF WOKHA DISTRICT

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PLP 2016-17 Wokha District DISTRICT PROFILE OF WOKHA DISTRICT

Wokha District is situated in the mid-western part of Nagaland State, adjacent to Sibsagar plain of Assam State. It is bounded by in the North, in the South, Zunheboto District in the East and the State of the Assam in the West. Wokha District is situated at a latitude of 26° ‘8’ North and a longitude of 94° ‘18’ East. The district has a total population of 1,66,343 as per 2011 census and is situated at an altitude of 1314 metres above sea-level. Wokha district enjoys a monsoon climate, cold in winter and warm in summer.

1.1.2 Issues critical to the district Wokha district is a hilly terrain area with some critical issues that need to be addressed. The district suffers from poor road conditions and inadequate infrastructure facilities relating tostorage, transport and marketing.

1.1.3 New and Emerging sectors / economic activities Agriculture is the main occupation of the district and crop production is an important activity for the economy of the district which provides livelihood – cum – employment opportunities to 80% of the rural population. The new and emerging sectors / economic activities in the district are Fish farming and Sericulture. There is a good scope for fishery development in the district as pond fisheries have been developing and offer a good source of livelihood for the farmer.

1.1.4 Per Capita Income and GDP of Wokha district The share and position of Wokha district in the Gross State Domestic Product (GSDP) is not available. However, the position of the State at Current Prices from the year 2004 to 2012 is furnished below: (Rs. in lakh) Year Primary Sector Secondary Tertiary Sector Total PCI* Sector 1 2 3 4 5 6 2004-05 203624 74518 305742 583884 32784 2005-06 212482 89922 356364 658768 36396 2006-07 216642 106072 402951 725665 39438 2007-08 220011 118691 468793 807495 43182 2008-09 258229 160313 525065 943607 49637 2009-10 282648 175249 594780 1052677 54486 2010-11 308251 154241 713445 1175937 60243 2011-12 355474 198918 831542 1385934 69124 * PCI: Per Capita Income (Directorate of Economics and Statistics, GoN)

1.1.4 Level of Rural and urban Poverty As per BPL Census 2002-07, 12,433 of the total population in Wokha district live below poverty line. In the agriculture sector, there are 41,862 cultivators in the district, of which 3,766 are marginal farmers. The number of non-worker population in the rural and urban areas of the district is 65,217 and 22,714 respectively leading to vast unemployment. Almost 70% of the workforce in the district is engaged in agriculture.

06 PLP 2016-17 Wokha District District Profile District - WOKHA State - NAGALAND Division - 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 1628 Agro-climatic Zone Eastern Himalaya Region - North East Hills (Zone 2) No. of Sub Divisions 11 No. of Blocks 7 Climate Humid No. of Villages (Inhabited) 129 Soil Type Red sandy, laterite No. of Panchayats (VDBs) 112 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 162800 Normal 2012-13 2013-14 2014-15 Actual Forest Land 25292 Rainfall [in mm] NA NA NA Area Not Available for Cultivation NA 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 11281 Holding Area Classification of Holding Other Fallow NA Nos. % to Total ha % to Total Net Sown Area NA <= 1 Ha 72 1 36 0 Total or Gross Cropped Area 4024 >1 to <=2 Ha 468 6 478 1 Area Cultivated More than Once NA >2 Ha 7160 93 57514 99 Cropping Inensity [GCA/NSA] NA Total 7700 100 58028 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 41 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers NA Population 166 84 82 131 35 Agricultural Labourers 2 Scheduled Caste NA NA NA NA NA Workers engaged in Household Industries 1 Scheduled Tribe 156 79 77 NA NA Workers engaged in Allied Agro-activities NA Literate 128 67 61 98 30 Other workers 18 BPL 12 NA NA NA NA 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 31 Having brick/stone/concrete houses NA Having electricity supply 10 Rural Households 25 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 103 Anganwadis 290 Dispensaries 1 Villages having Agriculture Power Supply NA Primary Health Centres 12 Hospitals 1 Villages having Post Offices 22 Primary Health Sub-Centres 37 Hospital Beds 158 Villages having Banking Facilities NA 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 8 Total N/P/K Consumption [MT] NA Pumpsets Energised [Nos] NA Villages having Potable Water Supply 59 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] NA Plantation nurseries [Nos] NA Total Area Available for Irrigation (NIA + Fallow) NA Power Tillers [Nos] NA Farmers' Clubs [Nos] 2 Irrigation Potential Created 4024 Threshers/Cutters [Nos] NA Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 2269 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels NA Rural/Urban Mandi/Haat [Nos] 29 Wholesale Market [Nos] 1 Area irrigated by Wells NA Length of Pucca Road [Km] 455 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 Area) NA Goods Transport Vehicle [Nos] NA Cold Store Capacity[MT] NA 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 Paddy 17070 36680 17720 39090 2206 Fruit (Pulp/Juice/Fruit drink) NA NA Maize 5200 10160 5230 10320 1973 Spices (Masala Powders/Pastes) NA NA Millets 1500 1680 1510 1700 1126 Dry-fruit (Cashew/Almond/Raisins) NA NA Ginger 300 2730 277 4826 17422 Cotton (Ginnining/Spinning/Weaving) NA NA Rapeseed 2570 2590 2580 2600 1008 Milk (Chilling/Cooling/Processing) NA NA Soyabean 1500 1830 1510 1840 1219 Meat (Chicken/Motton/Pork/Dryfish) NA NA Sugarcane 520 22650 520 22650 43558 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] 1 Animal Markets [Nos] NA Cattle - Cross bred 14 4 10 Disease Diagnostic Centres [Nos] 0 Milk Collection Centres [Nos] NA Cattle - Indigenous 22 8 14 Artificial Insemination Centers [Nos] 1 Fishermen Societies [Nos] NA Buffaloes 0.90 0.40 0.50 Animal Breeding Farms [Nos] 3 Fish seed farms [Nos] NA Sheep - Cross bred NA NA NA Animal Husbandry Tng Centres [Nos] 0 Fish Markets [Nos] NA Sheep - Indigenous 0.2 0.1 0.1 Dairy Cooperative Societies [Nos] NA Poultry hatcheries [Nos] NA Goat 30 15 15 Improved Fodder Farms [Nos] 0 Slaughter houses [Nos] NA Pig - Cross bred 48 21 27 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 86 44 42 Fish Production [MT] (2013-14) 7465 Per cap avail. [gm/day] NA Horse/Donkey/Camel negligible negligible negligible Egg Production [Lakh Nos](12-13) 782 Per cap avail. [nos/p.a.] NA Poultry - Cross bred 74 38 36 Milk Production ['000 MT](12-13) 78.35 Per cap avail. [gm/day] NA Poultry - Indigenous 75 38 37 Meat Production ['000MT] (12-13) 102.36 Per cap avail. [gm/day] NA 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 Survey 2002; Item No. 11 - Sources (if not mentioned against DHDR, Wokha, 2013; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - Naga.Stat. Handbook 2014; Item No. 17 - AH Census 2007; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of the respective item): Eco. & Stat. NA : Data not available

07 PLP 2016-17 Wokha District Banking Profile District - WOKHA 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 8 8 3 NA 5 NA NA NA 119 14384 Regional Rural Bank 1 1 NA NA 1 NA NA NA 5 496 District Central Coop. Bank NA NA NA NA NA NA NA NA NA NA Coop. Agr. & Rural Dev. Bank NA NA NA NA NA NA NA NA NA NA Primary Agr. Coop. Society NA NA NA NA NA NA NA NA NA NA Nagaland SCB 1 1 NA NA 1 NA NA NA 4 796 All Agencies 10 10 3 NA 7 NA NA NA 128 15676 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 21372 22660 NA NA NA 11.9 11.18 NA NA NA Regional Rural Bank 1001 1099 NA NA NA 0.31 0.32 NA NA NA Cooperative Banks NA NA NA NA NA NA NA NA NA NA Other agencies 1945 2105 NA NA NA 2 2.27 NA NA NA All Agencies 24318 25864 NA NA NA 14.21 13.77 NA NA NA 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 10050 10460 NA NA NA 9.39 9.91 NA NA NA Regional Rural Bank 401 421 NA NA NA 0.07 0.08 NA NA NA Cooperative Banks NA NA NA NA NA NA NA NA NA NA Other agencies 990 1046 NA NA NA 1 1 NA NA NA All Agencies 11441 11927 NA NA NA 9.46 9.99 NA NA NA 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During 2014-15 Cumulative (2013-14) Agency Agency 31-Mar-13 31-Mar-14 31-Mar-15 Deposit Credit Deposit Credit Commercial Banks 78.85 88.69 NA Commercial Banks NA NA 3420 1706 Regional Rural Bank 22.86 24.35 NA Regional Rural Bank NA NA 290 43 Cooperative Banks 26.04 31.23 NA Cooperative Banks NA NA NA NA Other agencies NA NA NA Other agencies NA NA 650 256 All Agencies 70.19 77.13 NA All Agencies NA NA 4360 2005 6. PERFORMANCE TO FULFILL NATIONAL GOALS - loans outstanding 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 [Rs.` % of Total Amount [Rs.` % of Total Amount [Rs.` % of Total Amount [Rs.` % of Total Amount [Rs.` % of Total lakh] Loans lakh] Loans lakh] Loans lakh] Loans lakh] Loans Commercial Banks 3.31 35.33 1.24 12.52 0.83 8.43 NA NA 0.34 3.45 Regional Rural Bank 0.05 61.08 0.02 22.64 0.01 10.15 NA NA 0.01 14.82 Cooperative Banks NA NA NA NA NA NA NA NA NA NA Other agencies 0.27 38.05 0.06 8.65 0.04 6.99 NA NA 0.02 2.75 All Agencies 4 134 1 44 1 26 NA NA 0 21 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Agency Target [Rs. ` Ach'ment Target [Rs. ` Ach'ment Target [Rs. ` Ach'ment [Rs. ` Ach[%] in last Ach'ment [%] Ach'ment [%] Ach'ment [%] lakh] [Rs. ` lakh] lakh] [Rs. ` lakh] lakh] lakh] 2 years Commercial Banks NA NA NA 3380.00 NA NA 3380.00 NA NA NA Regional Rural Bank NA NA NA 185.00 NA NA 185.00 NA NA NA Cooperative Banks NA NA NA 250.00 NA NA 250.00 NA NA NA Other agencies NA NA NA NA NA NA NA NA NA NA All Agencies NA NA NA 3815.00 760.56 19.94 3815.00 NA NA NA 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Broad Sector Target [Rs. ` Ach'ment Target [Rs. ` Ach'ment Target [Rs. ` Ach'ment [Rs. ` Ach[%] in last Ach'ment [%] Ach'ment [%] Ach'ment [%] lakh] [Rs. 'lakh] lakh] [Rs. ` lakh] lakh] lakh] 2 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 1285.00 506.84 39.44 2295.00 366.06 15.95 NA NA NA NA Non-Farm Sector 400.00 187.71 46.93 470.00 67.51 14.36 NA NA NA NA Other Priority Sector 900.00 496.75 55.19 1050.00 326.99 31.14 NA NA NA NA Total Priority Sector 2585.00 1191.3 46.09 3815.00 760.56 19.94 NA NA NA NA 9. RECOVERY POSITION 2012-13 2013-14 2014-15 Average Rec. Agency Demand [Rs. ` Recovery [Rs. Demand [Rs. Recovery [Rs. Demand [Rs. ` Recovery [Rs. ` [%] in last 3 Recovery [%] Recovery [%] Recovery [%] lakh] ` lakh] ` lakh] ` lakh] lakh] lakh] years Commercial Banks 1.25 0.76 60.5 1.54 0.88 57.13 NA NA NA NA Regional Rural Bank 0.03 NA 1 0.04 NA 0.63 NA NA NA NA Cooperative Banks NA NA NA NA NA NA NA NA NA NA Other agencies 0.08 0.03 38.77 0.01 0.03 22.97 NA NA NA NA All Agencies NA NA NA NA NA NA NA NA NA NA Sources : Lead Bank and SLBC NA : Data not available

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