PLP 2016-17 District

EXECUTIVE SUMMARY

The theme for the PLP 2015-16 is “Accelerating the pace of capital formation in agriculture and allied sector”. 1. Introduction to PLP for 2016-17 The criticality of capital formation ‘in’ and ‘for’ agriculture need not be overemphasized. However, the recent declining trend in investment credit vis-à-vis crop loan has serious implications for sustaining capital formation. The theme selected for the PLP 2016-17 is “Accelerating the pace of capital formation in agriculture and allied sector”. The PLP maps the potential in priority sector which could be exploited with institutional credit within a specified time frame. PLP is intended to provide a meaningful direction to the flow of credit to different sectors at the ground level taking into account all relevant factors. The various linkages and other support required to be provided by line departments to facilitate credit flow as planned are also listed in the PLP. NABARD in the year 2012-13 had prepared Base PLP for five years, coterminous with the XII Five year plan-(2012-17). The Base PLP projected a five year credit potential under priority sector covering Primary, Secondary and Tertiary sectors, with an emphasis on the Primary sector. These projections were based on parameters such as technical feasibility, availability of infrastructure, availability of exploitable resources, cropping pattern, agriculture practices and other developmental indices such as access to markets, etc. Some of these parameters may have undergone a change in the district since the finalization of Base PLP on account of factors such as changes in Government’s priorities and policies, strengthening of rural infrastructure, market forces, cost escalation, etc., necessitating a re-look at the credit potential for the year 2016-17. 2. Salient features of : The Chief Minister of announced on 15 August 2015 the bifurcation of Dhubri district in two districts viz., Dhubri and South Salmara. Formal Notification is awaited. The geographical area of undivided Dhubri district is 2176 sq.km and is divided into 15 Development Blocks. Dhubri falls in the Lower zone. Dhubri district was curved out of erstwhile district on 1st July, 1983.The mighty Brahmaputra divides the district into two parts i.e. Dhubri and Bilasipara Sub-divisions in the north and South Salmara-- Subdivision in the south bank. Dhubri district is bounded both by inter-state and international border i.e. and in the west, Goalpara and Bongaigoan district of Assam and Garo Hills district of in the east, district in the north, Bangladesh and state of Meghalaya in the south. The population of the district as per census 2011 is 1949258. Dhubri district is primarily dependent on agriculture and forest products. Main agricultural crop is paddy with surplus in production than its requirement. Jute and Mustard seed occupy the major share of cash crops. From forest mainly timber and bamboo add to the income. The mighty Brahmaputra, Gangadhat, Gadadhar, Tipkai, Gingiram flow in the district. Heavy rainfall,coupled with high intensity of wind causes severe soil erosion, particularly on upper reach and in flood prone areas. About 72% of rainfall is received during May to August. The cropping intensity is 129%. 3. Sectoral trends in credit flow: Overall lending to the priority sector was 34% during 2014-15. Crop loans lending was 74.15% but agricultural term loan was less than 6%. The average lending under MSME sector during the last three years was 107%. 4. Banking Profile: The credit requirement of the district is being met through 66 branches of 16 banks i.e. 49 branches of commercial banks, 15 branches of RRB (AGVB) and 2 branches of SCB. UCO Bank is the Lead bank. The CD ratio is 46% only for the district as a whole. 5. Policy Initiatives: The Government of , Reserve Bank of India, State Governments and NABARD have been taking a number of policy measures for the development of agriculture and rural sector and accelerating credit flow. 6. Ongoing Government Sponsored Programs/schemes: A large no. of Government Sponsored Programs /schemes - both centrally funded and State Govt. funded are currently implemented by various Departments in the district. It is expected that this will serve as ready reckoner for the PLP users.

1 PLP 2016-17 Dhubri District

7. Brief Sectoral Review/Comments and Projection of Potentials for 2016-17: The Base PLP projection (2012-17) for the year 2016-17 was estimated at `.26158.87 lakh. It is expected that there will be increase in the cost of various agriculture inputs including labour cost, fuel price hikes and certain factors like forecast of normal rainfall. However, the ground level credit flow under some of the sectors has not improved and the growth of credit flow is declining due to farmers not being able to fulfill the terms and conditions of the credit institutions. Accordingly, the revised PLP projections for 2016-17 is estimated at `.34354.13 lakh, comprising of `.20153.38 lakh for Farm credit (`.13092.83 lakh for Crop Loans and `.7060.55 lakh for Agri Term Loans), `.3636 lakh for MSME Sector, etc. Financial projections for some of the sectors for the year 2016-17 are given as under: a. Crop Loan: Short term credit for crop production plays important role in changing the face of economic scenario of the district. Supply of quality seeds, coverage of non-loanee farmers and financing tenant farmers through JLG/LCEC mode, implementation of revised KCC norms, quality seeds, seed replacement, strong extension system, utilisation of extension officers exclusively for extension job, storage facilities at village / panchayat level and promotion of latest agricultural technologies etc. will enhance the credit flow under crop production. These initiatives would increase the demand for crop loans which is projected at `.13092.83 lakh during 2016-17. b. Water Resources: Dhubri district has a good number of rivers including the mighty Brahmaputra that divides the district into two parts i.e. Dhubri and Bilasipara Sub-divisions in the north and South Salmara-Mankachar-Hatsingimari Subdivision in the south bank and Gangadhat, Gadadhar, Tipkai, Gingiram rivers. These rivers offer a high potential for flow and lift irrigation. As per Statistical Hand Book, Assam 2014, total Irrigation Potential Created is estimated at 266632 ha. Financial requirement for exploitable potential is projected at `.699.60 lakh during 2016-17. c. Farm Mechanization : In order to encourage mechanisation in agriculture, more focus needs to be given on usage of farm implements. Repairing services and agro service centers are essential for supporting the mechanization in the district. Credit potential is projected at `.1700.36 lakh during 2016-17. d. Plantation and Horticulture: Horticulture is one of the thrust areas in the overall development of Dhubri district and it is aimed for sustainable development of Horticulture by increasing area, productivity, by encouraging post harvest management in Horticulture sector. Ample scope exists for expanding the cold storage capacity, quality planting material, processing units, grading packing and marketing facilities. Financial projection under the sector for 2016-17 has been assessed at `.822.15 lakh. e. Forestry and Wasteland Development: The forest is an important source of firewood and fodder. Development of forestry could help enhance the environment. Financial requirement is estimated at `.150.94 lakh for 2016 -17. f. Animal Husbandry: Animal Husbandry is the main agri-allied activities for the rural population of the district. There is a huge gap in demand and supply of milk and meat. Financial projection under the sector including Dairy, Poultry, Goatery, etc. for 2016-17 has been assessed at `.3022.11 lakh. g. Agriculture Infrastructure (Storage Facilities, Land Development, Soil Conservation, Watershed Development & Other Agriculture Infrastructure) & Ancillary Activities: There is need for establishment of rural godowns, seed processing plants, threshing floors, drying yards, Land Development, Soil Conservation and other post harvest infrastructure. All godowns above 1000 MT capacity need to be registered with warehousing authority after due accreditation. Negotiable warehouse receipt system may be encouraged, as this will reduce distress sale immediately after harvest. Financial projection under the sector for 2016-17 has been assessed at `.2141.11 lakh. h. Micro, Small & Medium Enterprises (MSME) : Setting up common facility centers, enhancing the skills of existing and prospective entrepreneurs, uninterrupted power supply to MSME units, transparent pricing, improved cleaning, sorting & grading facilities, and adequate finance to agro processing units are the important critical interventions required to tap the potentials available under the sector. All the Banks and Govt. Departments have to adopt integrated approach to intensify credit for MSME in the district. Financial projection under the sector for 2016-17 has

2 PLP 2016-17 Dhubri District been assessed at `.3636.00 lakh. i. There is an imperative necessity to promote export in Indian economy. In Dhubri district there are 2 nos. of International Border Trade Centres exporting materials mainly to Bangladesh. An ambitious estimation of `.1008 lakh has been made for the export sector keeping in view the existing potential and anticipated supports from stakeholders like creation of awareness about the existing export potential and procedures among the farmers and entrepreneurs. j. Education is central to the Human Resources Development and empowerment in any country. Good number of educational institutions and institutions of higher learning in both the public and private sector in the district fuel the need for educational loans. In view of this, a credit potential of `.490 lakh has been estimated for extending education loan in the district. k. As per census 2011, out of 4.15 lakh households of Dhubri district, 0.88 lakh household have pucca dwellings. Remaining 3.27 lakh households either reside in kachha houses or dilapidated shelter. The situation could be improved through easy availability and access to institutional credit at affordable rate. Hence, a credit potential of `.3308.8 lakh has been estimated for extending education loan in the district. l. A credit potential of `.147.12 lakh has been estimated for tapping the renewable energy in the district. The State Government has to take steps in popularising the use of renewable energy as there is a lack of awareness among the public. m. Other credit requirements classified under priority sector lending which includes loans to the SHGs/JLGs, loans to the distressed persons to prepay non-institutional lenders and overdraft to the PMJDY account holders, have been estimated as `.1773 lakh. 8. Major Constraints and Suggested Action Points for State Govt. and Banking Sector Major constraints in the district for credit flow are  Lack of awareness among the farmers or entrepreneurs on different schemes of banks and governments.  Unnecessary delay created by banks while sanctioning schemes.  Misguidance to the farmers by unscrupulous elements.  Lack of irrigation facilities.  Lack of power supply.  Lack of marketing facilities.  Lack of quality extension services, soil testing and seed testing facilities. The state government should give more importance on irrigation and power supply. Shortage of farm power has become the main constraints to double or multiple cropping. Lack of quality power hinders the growth of micro, small and medium enterprises. Because of small land holding, availability of adequate quantity ground water and rainfall concentration during monsoon the scope is more for minor irrigation. The existing canal irrigation systems are also not functioning well. Flood and O&M are the major hindrance for canal irrigation system. Hence, more emphasis should be given to the minor irrigation system. Private parties and Co-op societies may come forward for setting up cold storage and rural godowns with loan-cum-subsidy under the centrally sponsored schemes. The farmers may be made aware of different schemes of the government and banks. The extension service may be strengthen. Banks may not harass the farmers. 9. Infrastructure Support : Infrastructure development is a necessary pre-condition for integrated rural development in the district. Rural Infrastructure Development Fund (RIDF) serves as a supplement to the efforts being made by State Governments in this direction. Till March 2015 for Dhubri district, 154 projects have been sanctioned to GoA under RIDF involving financial outlay of `.147.73 crore for construction of various projects such as roads, bridges, veterinary hospitals, irrigation structures, etc. The infrastructure of the district is commensurate with the economic development of the district. The critical infrastructures required for the district are in the areas of rural roads, bridges and storages. These will create wide and big impact leading to increased production and productivity and better price realization by the farmers thereby higher credit off take, besides improving the quality of life and bring about social up-liftment, especially in tribal dominated pockets of the district.

3 PLP 2016-17 Dhubri District

10. Informal Credit Delivery System: The district has good potential on SHG and JLG financing. SHG and JLG may be financed on live-stock farming, farm mechanisation, handloom sectors etc. Producer organisations may be developed in fishery, diary, poultry and organic farming sectors. It will help in commercialisation of agriculture. 11. Area Based Schemes: Considering the potential, new area based scheme on Integrated Farming System has been incorporated in the PLP : 2016-17 which may be introduced in 4 Development Blocks of the district viz. Bilasipara, Mahamaya, South Salmara and Gauripur. 12. Thrust areas for 2016-17 : Infrastructure development such as Irrigation facilities, road networks, etc. are essential for development of a district. Minor Irrigation projects should be to be taken up in a big way for the benefit of farmers. Abundant surface water available in the district may be harnessed for this purpose. However, for sustainable development of water resources, conjunctive use of ground and surface water should be adopted. Market Yards and Rural Godowns have to be constructed at important rural market places for the benefit of farmers. This may be done under public -private partnership basis. Improvement of existing infrastructure should be taken on priority. Only few PACS have scientific warehouses. The infrastructures of the PACS are required to be strengthened. 13. Conclusion: Considering the available potential, infrastructure, banking outlets, government policies, farmers' participation, markets, extension services an amount of `.34354.13 lakh has been estimated for credit flow in the district for the year 2016-17. To fulfil this target co-ordinated approach of all the stake holders are necessary. Strengthening of SAMIS, monitoring at district and block level, financial literacy, financial inclusion, coverage by SHG and JLG are also required to develop the district as well as the farmers.

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Appendix A to Annexure I SUMMARY BROAD SECTOR-WISE PLP PROJECTIONS: 2016-17 (` lakh) Sr. No. Particulars PLP Projections 2016-17 A Farm Credit i Crop Production, Maintenance, Marketing 13092.83 ii Term Loan for Agriculture and Allied activities 7060.51

Sub Total 20153.34

B Agriculture Infrastructure 2141.11

C Anciliary Activities 1309.12 I Credit Potential for Agriculture (A+B+C) 23603.61 II Micro, Small and Medium Enterprises 3636.00 III Export Credit-Pre & Post shipment 1008.00 IV Education 490.00 V Housing 3308.80 VI Renewable Energy 147.12 VII Others 1773.00 VIII Social Infrastructure 387.60 Total Priority Sector (I to VIII) 34354.13

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Appendix B to Annexure I

SUB-SECTOR-WISE PLP PROJECTIONS: 2016-17 FOR DHUBRI DISTRICT (` lakh ) PLP Projections 2016- Sr. No. Particulars 17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance, Marketing 13092.83 ii Water Resources 699.60 iii Farm Mechanization 1700.36 iv Plantation & Horticulture 822.15 v Forestry and Wasteland Development 150.94 vi Animal Husbandry - Dairy 934.40 vii Animal Husbandry - Poultry 1637.95 viii Animal Husbandry -Sheep/Goat/Piggery 449.80 ix Fishery 638.23 x Others 27.12 Sub Total 20153.38 B Agriculture Infrastructure i Storage Facilities 886.40 Land Development, Soil Conservation, ii 424.20 Watershed Development iii Others 830.51 Sub Total 2141.11 C Ancillary Activities i Agro & Food Processing Sector 716.76 ii Others 592.36 Sub Total 1309.12 D Total Agriculture 23603.61 II Micro, Small and Medium Enterprises MSME – Investment Credit 3096.00 MSME - Working Capital 540.00 Total MSME 3636.00 III Export Credit 1008.00 IV Education 490.00 V Housing 3308.80 VI Renewable Energy 147.12 VII Others 1773.00 VIII Social Infrastructure 387.60 Total Priority Sector 34354.13

6 PLP 2016-17 Dhubri District

MAP OF DHUBRI ( Not to Scale)

7 PLP 2016-17 Dhubri District

District Profile District : Dhubri State : ASSAM Division - Division

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE

Total Geographical Area (Sq.km) 2176 Agro-climatic Zone Low er Brahmaputra Valley Zone No. of Sub Divisions 3 Subtropical, w arm-humid summer follow ed by cool and dry No. of Blocks 15 Climate w inter.

No. of Villages 1091 Northern part of the district is clay loam soil, middle part sandy loam Soil Type No. of Gaon Panchayats 168 and southern part alluvial soil 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER

Total Area Reported 266601 Normal 2011-12 2012-13 2013-14 Actual Forest Land 29155 Rainfall [in mm] 1554 2731.5 1514.5 1549.2 Area Not Available for Cultivation 78125 Variation from Normal 1177.5 -39.5 -4.8

Permanent Pasture and Grazing Land 2079 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 2998 Water [Ham] Cultivable Wasteland 3872 5. DISTRIBUTION OF LAND HOLDING Current Fallow 11150 Holding Area Classification of Holding Other Fallow 4873 Nos. % to Total Ha. % to Total Net Sow n Area 134349 <= 1 Ha 104000 63 38312 27 Total or Gross Cropped Area 173054 >1 to <=2 Ha 37000 22 46826 33 Area Cultivated More than Once 38705 >2 Ha 25000 15 56758 40 Cropping Inensity [GCA/NSA] 129% Total 166000 100 141896 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000]

Cultivators 175 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 71 Population 1949 998 951 1745 204 Agricultural Labourers 107 Scheduled Caste NA NA NA NA NA Workers engaged in Household Industries 16 Scheduled Tribe NA NA NA NA NA Workers engaged in Allied Agro-activities 10 Literate NA NA NA NA NA Other w orkers 202 BPL NA NA NA NA NA 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households]

Total Households 415 Having brick/stone/concrete houses 89 Having electricity supply 74

Rural Households 371 Having source of drinking w ater 236 Having independent toilets 178

BPL Households NA Having access to banking services Having radio/tv sets 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 1226 Anganw adis Dispensaries NA Villages having Agriculture Pow er Supply NA Primary Health Centres 40 Hospitals 1 Villages having Post Offices 147 Primary Health Sub-Centres 246 Hospital Beds 564 Villages having Banking Facilities 606 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 NA Total N/P/K Consumption [MT] 11398.65 Pumpsets Energised [Nos] NA Villages having Potable Water Supply NA Certified Seeds Supplied [MT] NA Agro Service Centres [Nos] NA Villages connected w ith Paved Approach Roads 830 Pesticides Consumed [MT] NA Soil Testing Centres [Nos] NA 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 519 Plantation nurseries [Nos] NA Total Area Available for Irrigation (NIA + Fallow ) NA Pow er Tillers [Nos] NA Farmers' Clubs [Nos] 81 Irrigation Potential Created 26632 Threshers/Cutters [Nos] NA Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 611 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 14593 Rural/Urban Mandi/Haat [Nos] NA Wholesale Market [Nos] NA Area irrigated by Wells 2965 Length of Pucca Road [Km] 1339 Godow n [Nos] NA Area irrigated by Tanks NA Length of Railw ay Line [Km] 59 Godow n Capacity[MT] NA Area irrigated by Other Sources 41642 Public Transport Vehicle [Nos] NA Cold Storage [Nos] NA Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] 3226 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 Ahu Paddy 59200 165760 59200 233840 3950 Fruit (Pulp/Juice/Fruit drink) NA NA Sali Paddy 62500 112500 51535 95855 1860 Spices (Masala Pow ders/Pastes) NA NA Bodo Pady 30150 32562 30150 34673 1150 Dry-fruit (Cashew /Almond/Raisins) NA NA Wheat 10240 18432 10250 12351 1205 Cotton (Ginnining/Spinning/Weaving) NA NA Mustard 18800 9400 18900 123228 6520 Milk (Chilling/Cooling/ Processing) NA NA Lentil 1365 887 365 607 1663 Meat (Chicken/Motton/ Pork/Dryfish) NA NA Potato 5850 44957 5900 50150 8500 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 2003 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Veterinary Hospitals/Dispensaries Category of animal Total Male Female 17 Animal Markets [Nos] NA [Nos] Cattle - Cross breed 6077 877 5200 Disease Diagnostic Centres [Nos] 1 Milk Collection Centres [Nos] NA

Cattle - Indigenous 502284 199046 303238 Artificial Insemination Centers [Nos] NA Fishermen Societies [Nos] NA Buffaloes 13043 7601 5442 Animal Breeding Farms [Nos] 1 Fish seed farms [Nos] NA

Sheep - Cross breed 122 105 17 Animal Husbandry Tng Centres [Nos] NA Fish Markets [Nos] NA

Sheep - Indigenous 118049 41534 76515 Dairy Cooperative Societies [Nos] NA Poultry hatcheries [Nos] NA Goat 273502 87570 185932 Fodder Cultivation [HA] 402 Slaughter houses [Nos] NA Pig - Cross breed 1863 800 1063 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 2701 1120 1581 Fish Production [MT] 10204 Per cap avail. [gm/day] NA

Horse/Donkey/Camel 957 681 276 Egg Production [Lakh Nos] 410 Per cap avail. [nos/p.a.] NA

Poultry - Cross breed 13670 3806 9864 Milk Production ['000 MT] 532 Per cap avail. [gm/day] NA

Poultry - Indigenous 579128 210016 369112 Meat Production [MT] 172 Per cap avail. [gm/day] NA

Sources (if not 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 mentioned against the Resources; Item No. 8 - BPL Survey 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - Livestock Census 2012; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat. respective item): Dhubri district is endowed with natural resources. The economy is predominantly agrarian with paddy as the major crop. 80% of the population are dependent on agriculture. Other important crops include oil seeds, pulses, cash crop like jute, vegetable etc. Fish farming is another major activity in the district. Dairy farming is practiced by most of the small and marginal farmers and landless labours as a hedge against crop failure.

8 PLP 2016-17 Dhubri District

Banking Profile District : Dhubri State : Assam Lead Bank : UCO Bank 1. NETWORK & OUTREACH (As on 31/03/2015) No. of No. of non-formal agencies No. of Branches Per Branch Outreach Banks/ assoiated Agency Soc. Semi- mFIs/ SHGs/ Total Rural Urban BCs/BFs Villages Households urban mFOs JLGs Commercial Banks 14 49 27 NA 22 NA NA NA NA NA Regional Rural Bank 1 15 9 NA 6 NA NA NA NA NA District Central Coop. 1 2 NA NA 2 NA NA NA NA NA Bank Coop. Agr. & Rural NA NA NA NA Nil NA NA NA NA NA Dev. Bank Primary Agr. Coop. NA NA NA NA NA NA NA NA NA NA Society Others NA NA NA NA NA NA NA NA NA NA All Agencies 16 66 36 NA 30 NA NA NA NA NA 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs.'000] 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 198850 NA NA NA 11018501 12723427 14217738 11.74 80.53 Regional Rural Bank NA 158218 NA NA NA 1821700 2362754 2672106 13.09 15.14 Cooperative Banks NA 1965 NA NA NA 480400 580115 675000 16.36 3.82 Others ------All Agencies NA 359033 NA NA NA 13320601 15666296 17654844 12.69 100 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.'000] 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 39443 NA - NA 4811227 6011484 6493213 8.01 81.06 Regional Rural Bank NA 14623 NA - NA 1065960 1392649 1443664 3.66 18.02 Cooperative Banks NA 1387 NA - NA 64135 74142 73200 -1.27 0.91 Others ------All Agencies NA 55453 NA - NA 5941322 7478275 8010077 7.11 100 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During 2013-14 Cumulative Agency Agency 31-Mar-13 31-Mar-14 31-Mar-15 Deposit Credit Deposit Credit Commercial Banks 44 47 45.67 Commercial Banks - - - - Regional Rural Bank 59 59 54 Regional Rural Bank - - - - Cooperative Banks 13 13 11 Cooperative Banks - - - - Others - - - Others - - - - All Agencies 45 48 46 All Agencies - - - - 6. PERFORMANCE TO FULFILL NATIONAL GOALS (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.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans Commercial Banks 671436 79 293059 79.95 1233269 65.5 - - - - Regional Rural Bank 174417 20.52 70481 19.23 632010 33.57 - - - - Cooperative Banks 4094 0.48 2991 0.82 17606 0.94 - - - - Others ------All Agencies 849947 100 366531 100 1882885 100 - - - - 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 last [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] 3 years Commercial Banks 1150380 446976 38.85 1985389 643579 32.41 1861652 671436 36 35.75 Regional Rural Bank 309006 58782 19.02 605399 271194 50 476667 174417 37 35.34 Cooperative Banks 92682 13986 15.09 144751 22360 15 137747 4094 3 11.03 Others ------All Agencies 1552068 519744 33.48 2735539 937133 35 2476066 849947 34 34.16 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 last [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] 3 years Crop Loan ------393700 291913 74.15 - Term Loan (Agr) ------1304560 74618 5.72 - Total Agri. Credit 395530 155387 39.29 18732.43 3940.5 21 1698260 366531 21.58 27.43 Non-Farm Sector 159010 43626 27.44 7882 447.93 5.7 365986 98408 27 20.05 Other Priority Sector 170059 220195 129.48 4800 4983 104 432356 385008 89 107.49 Total Priority Sector 724599 419208 57.85 31414.73 9371.33 30 2476066 849947 34 40.62 9. RECOVERY POSITION 2012-13 2013-14 2014-15 Average Rec. Agency Demand Recovery Recovery Demand Recovery Recovery Demand Recovery Recovery [%] in last 3 [Rs. '000] [Rs. '000] [%] [Rs. '000] [Rs. '000] [%] [Rs. '000] [Rs. '000] [%] years Commercial Banks 140653 31411 22 437145 125665 28 287469 40609 14.13 21.38 Regional Rural Bank 247535 146050 59 361467 211067 58 275259 131165 47.65 54.88 Cooperative Banks 682 0 0 2021 283 14 921 189 20.52 11.51 Others ------All Agencies 388870 177461 46 800633 337015 42 563649 171963 30.15 39.38 Sources : Lead Bank & SLBC

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