PLP 2016-17

EXECUTIVE SUMMARY Idukki district has a total geographical area of 4358 sq km of which 45 per cent is covered by . About 81% per cent of the total land holdings are of size less than one hectare and the size of the average land holding is 0.56 ha. The district is famous for its cash crops such as pepper, , coffee, , , rubber etc. More than 80 per cent of the cropped area is under perennial crops. Short term crops like banana, tapioca and vegetables are also grown. The important allied activities are dairy, goat, rabbit and pig rearing. Non farm activity is slowly picking up in the district.

GLC under Priority Sector, which stood `. 3116.35 crore during 2012-13 increased by 25 per cent to `. 3907.92 crore during 2013-14 and further by around 9 percent to `.4251.57 Crore during 2014-15. All banks collectively could achieve the targets set under Annual Credit Plan during last three years. Credit deposit ratio of the district for the three years from 2011-12 to 2013-14 recorded more than 100 per cent.

The PLP projections for the five year period from 2012-13 to 2016-17 is estimated in respect of Idukki district in the base PLP. The estimated projections for the year 2016-17 in the base PLP has been revised based on the change in government policies and priorities, infrastructural requirements, ground level credit flow etc. The revised potential for 2015-16 is estimated at `.5553.41 crore which is 12 per cent more than the PLP projections for the year 2015-16 at `.4934.

The Base PLP projections remained unchanged for sectors like Forestry, MSME, Agriculture (Others) and Ancillary (Others). The projection under Crop Loans increased due to revision in Scale of Finance. Similarly, projections under Plantation & Horticulture, Farm mechanization, Animal Husbandry and Fisheries have increased mainly on account of revision in unit cost. In view of slow pace of development at ground level, potential under Renewable Energy Sources were scaled down. No base projections were available for Export Credit and Social Infrastructure which were added to PSL by RBI in the revised PSL Norms.

Key constraints in respect of major sectors are summarized below: . Crop Loans: Inadequate incentives for food crops, KCC coverage, storage & marketing. Better marketing linkages for marayoor jiggery, Vegetables at and to prevent farmers from shifting cultivation to other profitable crops. . Water Resources: Low irrigation intensity, poor propagation of micro irrigation . Land Development: Inadequacy of inputs for promotion of organic farming . Farm Mechanization: Incentives to make easy availability of farm machinery . Plantation & Horticulture: Inadequate supply of quality planting material, lack of infrastructure for value addition, processing, storage & marketing, lack of affordable systems and technology for protected cultivation. . Animal Husbandry-Dairy: Inadequate availability of quality animals and fodder, lack of subsidy . Animal Husbandry-Poultry: Unavailability of chicks locally, lack of subsidy . Animal Husbandry-Goat/Pig: Establishment of Govt controlled slaughter houses, lack of subsidy. . Fisheries: promotion of scientific inland farming in the district and ensuring supply of quality fingerlings . Storage Godown & Market Yards: To set up modern markets, storage facilities. . Renewable Energy: Non-availability of quality devices at affordable cost . Micro & Small Enterprises: Incentives for land & power, inadequate skill training, untapped potential for tourism. Government may give thrust to eco-tourism and farm tourism in the district. All basic infrastructure facilities for development of major tourist spots in the district may be given top most priority. Government may consider availing of RIDF assistance for it from NABARD. . Other Priority Sector: Improvement in infrastructure for connectivity & power

1 PLP 2016-17 Idukki District

II New Schemes & Programmes

 With a view to have cluster based, planned approach for development of potential activities in compact areas, with active participation of all the stake holders, it is proposed to formulate Area Development Schemes. Based on the assessed potential, availability of linkage support and other required factors, it has been suggested to promote Integrated Farm Development in Nedumkantam block in Idukki district. (details are given in Chapter XII).  For tribal development, an Integrated Tribal Development Project with an outlay of `.184.84 lakh, including grant assistance of `157.17 lakh, has been sanctioned by NABARD to Development Society, Peermade, covering 500 tribal families in Kannampady village in Panchayat in Idukki district. Another Integrated Tribal Development Project covering 412 tribal families in Koodakkattukudi, Ward No.1 of Marayoor Grama Panchayat with an outlay of `.218.065 lakh, including grant assistance of `.179.290 lakh has also been sanctioned by NABARD to Highrange Development Society, Mariyapuram.  The future strategy for micro credit programme in the district will involve promotion of micro enterprises through JLGs. The programme will also integrate into NRLM.  NABARD has sanctioned an Agriculture library in , which is expected to benefit farmers and encourage people to take up farming activities. III Infrastructure

 The district has “A+” status in almost all infrastructural parameters except in number of doctors in government hospitals at “C”. Under RIDF (tranche I to XX, as many as 669 projects with loan assistance of `.461.17 crore were sanctioned in the district, which are expected to accelerate the pace of rural and agriculture development.  The critical infrastructure requiring attention of the state government in the district include irrigation, education, rural connectivity, soil conservation etc. Infrastructure which can be supported through private investment with credit support include storage and marketing, agro service centres, value addition and processing facilities etc.

IV Review and monitoring  Coordinated efforts by all the stake holders are required to ensure desired flow of credit to priority sector in general and investment credit for enhancing capital formation in particular. Reviews in DCC/BLBC meetings should be more focused and action plan oriented and should also cover progress in financial inclusion plan, KCC, SHG/JLG etc.

V Role of Informal Credit Delivery System A good number of NGOs and VAs and Farmers Clubs function in the district. They have been undertaking socio economic programmes in the district such as formation and credit linkage of SHGs/JLGs, empowerment of women, skill development in rural youths for self employment, etc.

VI Financial Inclusion Based on the road map for achieving Financial Inclusion, the district has been divided into 199 Sub service centres and 97 kiosks / BCs are proposed to cover 97 Sub service areas which are unbanked by brick and mortar branches. R-SETI established at provides training to rural trainees and handhold them to get self/job employment. FLCC has been established in all blocks for providing financial literacy and credit counselling at free of cost. A Committee has been constituted for reviewing the progress of implementation of Financial Inclusion in the district. Financial inclusion activities through issue of KCC, no-frill account, JLG & SHG accounts, etc are progressing in the district. Various social security schemes viz., PMJDY, PMJJBY, PMSBY, APY, PMMY have been launched in the district.

2 PLP 2016-17 Idukki District

Appendix A to Annexure 1 Broad Sector-wise PLP Projections - 2016-17

PLP Projections Sr.No. Particulars 2016-17 A FARM CREDIT 1 Crop Production, Maintenance , Marketing 272844.08 2 Term Loan for agriculture and allied activities 58093.62 B AGRICULTURE INFRASTRUCTURE 5771.80 C ANCILLARY ACTIVITIES 3687.66 I Credit Potential for Agriculture (A+B+C) 340397.16 II Micro, Small and Medium Enterprises 129453.07 III Export Credit 25.00 IV Education 13887.54 V Housing 15585.02 VI Renewable Energy 371.91 VII Others 55405.73 VIII Social Infrastructure involving bank credit 216.00 Total 555341.43

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Summary of Sector/ Sub-sector wise PLP Projections - 2016-17

Sr. PLP Projections Particulars No. 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 272844.08 ii Water Resources 5750.28 iii Farm Mechanisation 1693.72 iv Plantation and Horticulture 35450.48 v Forestry and Wasteland Development 2008.54 vi Animal Husbandry - Dairy 10069.66 vii Animal Husbandry - Poultry 543.67 viii Animal Husbandry - Sheep, Goat, Piggery, etc. 2318.96 ix Fisheries (Marine, Inland, Brackish water) 255.47 x Others - Bullock, Bullock cart etc. 2.84 Sub-Total 330937.70 B Agriculture Infrastructure Construction of storage facilities (Warehouses, Market Yards, i 604.56 Godowns, Silos, Cold Storage units/ cold storage chains) ii Land development, soil conservation, watershed development 4886.02

Others (Tissue culture, Agri bio-technology, Seed production, iii 281.22 Bio pesticides/ fertilizers, Vermin composting) Sub-Total 5771.80 C Ancillary activities i Food and Agro processing 2475.03 Others (Loans to Cooperative Societies of farmers for ii disposing of their produce, Agri clinics/ Agri Business centres, 1212.63 Loan to PACS/FSS/ LAMPS, Loans to MFIs for on-lending) Sub-Total 3687.66 Total Agriculture 340397.16 II Micro, Small and Medium Enterprises i MSME - Working Capital 123682.54 ii MSMS - Investment Credit 5770.53 Total MSME 129453.07 III Export Credit 25.00 IV Education 13887.54 V Housing 15585.02 VI Renewable Energy 371.91 Others (Loans to SHGs/JLGs, loans to distressed VII persons to prepay non-institutional lenders, PMJDY, 55405.73 loans to State sponsored organisations for SC/ST)

VIII Social Infrastructure involving bank credit 216.00 Total Priority Sector 555341.43

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MAP OF THE DISTRICT

5 PLP 2016-17 Idukki District

District Profile District Idukki State Division 2

1. PHYSICAL & ADMINIST RAT IVE FEAT URES 2. SOIL & CLIMAT E Total Geographical Area (Sq.km) 4358 Agro-climatic Zone Western Plains and Ghat Region - Hilly Regional (Zone 12) No. of Sub Divisions 2 No. of Blocks 8 Climate Hot & Humid and slightly cooler interior areas No. of Villages (Inhabited) 64 Soil Type Laterite, Alluvial Soil No. of Panchayats 52 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WAT ER Total Area Reported 436328 Normal 2010-11 2011-12 2012-13 Actual Land 198413 Rainfall [in mm] 3303 3830 3590 3142 Area Not Available for Cultivation 14417 Variation from Normal 16 9 -5 Permanent Pasture and Grazing Land 91 Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 189 [Ham] 218.38 82.98 107 .96 Cultivable Wasteland 2455 5. DISTRIBUTION OF LAND HOLDING Current Fallow 2047 Holding Area Classification of Holding Other Fallow 1216 Nos. % to Total Ha. % to Total Net Sown Area 205664 <= 1 Ha 6580000 96 886000 58 Total or Gross Cropped Area 268142 >1 to <=2 Ha 180000 3 282000 19 Area Cultivated More than Once 6247 8 >2 Ha 7 1000 1 343000 23 Cropping Inensity [GCA/NSA] 130 Total 6831000 100 1511000 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 109 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 101 Population 1108 552 556 1056 52 Agricultural Labourers 146 Scheduled Caste 145 72 73 143 2 Workers engaged in Household Industries 7 Scheduled Tribe 56 28 28 55 1 Workers engaged in Allied Agro-activities 42 Literate 923 47 2 451 87 8 45 Other workers 262 BPL 338 17 2 166 254 84 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 27 9 Having brick/stone/concrete houses 216 Having electricity supply 245 Rural Households 267 Having source of drinking water 27 7 Having independent toilets 246 BPL Households 60 Having access to banking services 212 Having radio/tv sets 207 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 64 Anganwadis 1484 Dispensaries 57 Villages having Agriculture Power Supply NA Primary Health Centres 31 Hospitals 41 Villages having Post Offices 64 Primary Health Sub-Centres 318 Hospital Beds 7 331 Villages having Banking Facilities 56 12. INFRAST RUCT URE & SUPPORT SERVICES FOR AGRICULT URE Villages having Primary Schools 64 Fertiliser/Seed/Pesticide Outlets [Nos] F-285 P-190 Agriculture Pumpsets[Nos] 18290 Villages having Primary Health Centres 58 Total N/P/K Consumption [MT] 18154 Pumpsets Energised [Nos] NA Villages having Potable Water Supply 64 Certified Seeds Supplied [MT] NA Agro Service Centres [Nos] 3 Villages connected with Paved Approach Roads NA Pesticides Consumed [MT] NA Soil Testing Centres [Nos] 2 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 231 Plantation nurseries [Nos] 3 Total Area Available for Irrigation (NIA + Fallow) 42856 Power Tillers [Nos] 133 Farmers' Clubs [Nos] 87 Irrigation Potential Created NA Threshers/Cutters [Nos] 206 Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 39593 14. INFRAST RUCT URE FOR ST ORAGE, T RANSPORT & MARKET ING Area irrigated by Canals / Channels 287 4 Rural/Urban Mandi/Haat [Nos] 11 Wholesale Market [Nos] 1 Area irrigated by Wells 4490 Length of Pucca Road [Km] 2401 Godown [Nos] 3 Area irrigated by Tanks 13852 Length of Railway Line [Km] - Godown Capacity[MT] 7 286 Area irrigated by Other Sources 16841 Public Transport Vehicle [Nos] 3258 Cold Storage [Nos] NA Irrigation Potential Utilized (Gross Irrigated Area) NA Goods Transport Vehicle [Nos] 7 148 Cold Store Capacity[MT] NA 15. AGRO-PROCESSING UNIT S 16. AREA, PRODUCT ION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] 2011-12 2011-12 Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) 444 NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) NA NA Coconut (no.of nuts) 17 158 95 million 17 265 94 million 5445 Fruit (Pulp/Juice/Fruit drink) NA NA Banana 6393 58440 3080 28844 9365 (Masala Powders/Pastes) 1 NA 44010 227 63 437 55 30410 695 Dry-fruit (Cashew/Almond/Raisins) NA NA Tapioca 6318 261059 6239 30337 8 48626 Cotton (Ginnining/Spinning/Weaving) NA NA Cardamom 3307 6 7 827 3307 6 9294 281 Milk (Chilling/Cooling/Processing) 3 60 Tea 247 05 40205 2197 0 4497 2 2047 Meat (Chicken/Motton/Pork/Dryfish) NA NA Rubber 40030 587 60 40030 47 235 1180 Animal feed (Cattle/Poultry/Fishmeal) NA NA Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in ) 17 . ANIMAL POPULAT ION AS PER CENSUS 2007 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] H - 9 D - 48 Animal Markets [Nos] 1 Cattle - Cross bred 147 12 135 Disease Diagnostic Centres [Nos] - Milk Collection Centres [Nos] 27 Cattle - Indigenous 10 2 8 Artificial Insemination Centers [Nos] 4 Fishermen Societies [Nos] 7 Buffaloes 4 2 2 Animal Breeding Farms [Nos] 1 Fish seed farms [Nos] Sheep - Cross bred - - - Animal Husbandry Tng Centres [Nos] 1 Fish Markets [Nos] Sheep - Indigenous - - - Dairy Cooperative Societies [Nos] 213 Poultry hatcheries [Nos] 1 Goat 141 38 103 Improved Fodder Farms [Nos] 2 Slaughter houses [Nos] Pig - Cross bred 16 7 9 19. MILK, FISH, EGG PRODUCT ION & T HEIR PER CAPIT A AVAILABILIT Y Pig - Indigenous 2 1 1 Fish Production [MT] 598 Per cap avail. [gm/day] 1 Horse/Donkey/Camel - - - Egg Production [Lakh Nos] 1055 Per cap avail. [nos/p.a.] 93 Poultry - Cross bred 72 20 52 Milk Production ['000 MT] 48300 Per cap avail. [gm/day] 117 Poultry - Indigenous 401 66 335 Meat Production [MT] 16080 Per cap avail. [gm/day] 39 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 Sources (if not mentioned No. 8 - BPL 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 - against the respective item): Dir. of Animal Hus./Dir. of Eco. & Stat. NA - Not Available

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Banking Profile

District - Idukki State - Kerala Lead Bank - Union Bank od India

1. NET WORK & OUT REACH (As on 31/03/2014) No. of No. of Branches No. of non-formal agencies assoiated Per Branch Outreach Agency Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households Commercial Banks 27 153 13 140 - - 7 150 - 0.41 1824 Regional Rural Bank 1 13 1 12 - - 112 - 4.92 21462 District Central Coop. Bank 1 48 36 12 - - 8286 - 1.33 5812 Coop. Agr. & Rural Dev. Bank 2 5 4 1 - - - - 12.80 55800 Primary Agr. Coop. Society 7 3 210 165 45 - - 20418 - 0.30 1329 Others 1 2 - 2 - - - - 32.00 139500 All Agencies 105 431 219 212 - - 35966 - 0.19 2257 27 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs.'000] Agency 31-Mar-12 31-Mar-13 31-Mar-14 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA NA NA 264527 86 32117 510 35138999 9.41 66.03 Regional Rural Bank NA NA NA NA NA 331500 454500 590800 29.99 1.11 Cooperative Banks NA NA NA NA NA 10058461 137 27 969 17 483258 27 .36 32.86 Others NA NA NA NA NA - - - All Agencies NA NA NA NA NA 368427 47 4629997 9 53213057 14.93 100.00 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.'000] Agency 31-Mar-12 31-Mar-13 31-Mar-14 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA NA NA 34050881 40293891 459817 93 14.12 65.55 Regional Rural Bank NA NA NA NA NA 519400 998200 147 5000 47 .7 7 2.10 Cooperative Banks NA NA NA NA NA 17 094801 21096937 22655410 7 .39 32.29 Others NA NA NA NA NA 40801 0.06 All Agencies NA NA NA NA NA 51665082 62389028 7 0153004 12.44 100.00 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During 2011-12 Cumulative Agency Agency 31-Mar-13 31-Mar-14 31-Mar-15 Deposit Credit Deposit Credit Commercial Banks 129 127 131 Commercial Banks NA NA Regional Rural Bank 129 127 249 Regional Rural Bank NA NA Cooperative Banks 17 0 154 130 Cooperative Banks NA NA Others - - - Others NA NA All Agencies 140 134.7 5 132 All Agencies NA NA NA NA 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) Loans to Weaker Loans under DRI Priority Sector Loans Loans to Agr. Sector Loans to Women Sections Schem e Agency Amount % of Total Amount % of Total Amount % of Total Amount % of Total Amount % of Total Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000]

Commercial Banks 37 67 1897 82 234317 37 51 127 38520 28 24828 0.05 - - Regional Rural Bank 1317 7 00 89 986800 67 1264200 86 - - - Cooperative Banks 22524844 99 3600609 16 17 187 087 76 - - - - Others 40801 100 ------All Agencies 61555242 88 28019146 40 31189807 44 24828 0.04 - - 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Ach[%] Agency Target Ach'ment Target Ach'ment Target Ach'ment Ach'ment [%] Ach'ment [%] Ach'ment [%] in last 3 years [Rs.'000] [Rs. '000] [Rs.'000] [Rs. '000] [Rs.'000] [Rs. '000]

Commercial Banks 1180897 6 147 887 32 125 16827 820 22350685 133 17 532327 22413840 128 129 Regional Rural Bank 37 7 000 27 0629 72 509588 1099948 216 6317 81 127 5449 202 17 4 Cooperative Banks 14498401 16104135 111 19531065 2107 27 22 108 22621612 18820164 83 99 Others 308189 300503 40440 13 256614 36887 14 9 All Agencies 26992566 31163496 115 37 16897 6 445637 95 120 41042334 42546340 104 112 8. SECT OR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Target Ach'ment Average Ach[%] Broad Sector Ach'ment [%] Target Ach'ment Target Ach'ment [Rs.'000] [Rs. '000] Ach'ment [%] Ach'ment [%] in last 3 years [Rs.'000] [Rs. '000] [Rs.'000] [Rs. '000]

Crop Loan 8907 47 7 1397 9592 157 93047 92 18409906 198 137 66511 18537 87 8 135 159 Term Loan (Agr) 3681563 17 24187 47 637 0948 2319893 36 5467 620 2864537 52 45 Total Agri. Credit 12589040 157 037 7 9 125 1567 57 40 207 297 99 132 19234131 21402415 111 122 Non-Farm Sector 1183929 443429 37 15517 25 7 7 8925 50 1987 97 7 5250404 264 137 Other Priority Sector 13219597 15016288 114 1617 7 695 17 57 0521 109 19820026 15891819 80 98 Total Priority Sector 26992566 31163496 115 33405160 3907 9245 117 41042134 42544638 104 111 9. RECOVERY POSIT ION 2011-12 2012-13 2013-14 Average Rec. Agency Demand [Rs. Recovery Recovery Demand [Rs. Recovery Recovery Demand [Rs. Recovery Recovery [%] in last 3 '000] [Rs. '000] [%] '000] [Rs. '000] [%] '000] [Rs. '000] [%] years Commercial Banks NA NA NA NA NA NA NA NA NA NA Regional Rural Bank ------Cooperative Banks - - - NA NA NA NA NA NA NA Others ------All Agencies ------

Sources : Lead Bank & SLBC

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