PLP 2016-17 Gandhinagar EXECUTIVE SUMMARY A

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PLP 2016-17 Gandhinagar EXECUTIVE SUMMARY A. Introduction Gandhinagar is primarily an agricultural district with wheat and cotton as the predominant crops. The other major crops cultivated are castor, bajra, pulses, vegetable, fennel, etc. About 78% of land holdings are with small and marginal farmers and the average size of the holdings is 1.43 ha.

The Potential Linked Credit Plan (PLP) for 2016-17 has been prepared aligning with the revised RBI guidelines on Priority Sector Lending. It estimates credit flow of Rs.269485 lakh, of which, Crop Production sector has a major share of 48.38 % at Rs.130369 lakh. Term loan under agriculture is assessed at Rs.52838 lakh accounting for about 19.60 %. Under MSME, Rs.47970 lakh has been assessed as potential forming 17.80 % and balance at Rs.38308 lakh has been estimated for other sectors like Exports, Education, Housing, etc. The activity-wise and block-wise assessment of potential is presented in Annexure I. The PLP projection for 2016-17 is higher by Rs.23114.76 lakh when compared to the PLP for the year 2015-16 representing an increase of 8.58 %. Further, the PLP projection is higher by Rs.50880 lakh when compared to the ACP target for the year 2015-16.

B. Sector-wise comments on major sectors

1. Crop Production, Maintenance and Marketing

Major crops grown in the district are wheat, cotton, castor, pulses, bajra, fennel, vegetables, fodder crops and groundnut. The area under various crops during 2016-17 is projected considering the cropping pattern adopted in recent years. Accordingly, potential to the tune of Rs130369 lakh has been envisaged as potential 2016-17 for various crop production activities. A good network of PACS is available for providing credit and other farm inputs. Seed supply is also done by Beej Nigam. KVK, Randheja is well equipped for training and extension activities. Farmers may be encouraged for adoption of HYV seeds and the same to be made available to small and marginal farmers at subsidized rate. Banks and Agriculture department can play a vital role in popularising ACABC scheme, Integrated Scheme for Agriculture Marketing to promote better agronomic practices and better price- realisation for their produce. The PLP document envisaged support to crop production activities through JLGs of tenant farmers, farmers groups and oral lessees.

2. Water Resources and Land Development The agriculture in the district is dependent on rainy season. There is no perennial irrigation structure. The other sources of water are well and lift irrigation from check dams. To utilize available water resources, drip, sprinkler and Lift irrigation system should be popularized. The potential assessed for this sector during 216-17 is Rs.12,001 lakh.

3. Farm Mechanisation Farm mechanisation is an important activity leading to increased productivity, better utilization of irrigation potential, adoption of multiple cropping pattern, etc. An amount of Rs.20,718 lakh has been envisaged for various schemes to be supported under water resources for the year 2016-17.

4. Plantation and Horticulture This sector has shown increasing trend over previous years and is a promising sector. A credit potential of Rs.1799 lakh estimated under the sector for the year 2016-17. The emergence of green house technology, contract farming, cultivation of fruit plants and aromatic/medicinal plants will improve the prospects of the sector.

5. Animal Husbandry - Dairy The sector plays an important role in providing gainful employment throughout the year to the rural population. The credit potential under this sector for the year under reference has been estimated at Rs.11,400 lakh. Availability of green fodder, availability of quality animals and marketing arrangements are critical intervention required for definitive impact.

PLP 2016-17 Gandhinagar

6. MSME Micro, small and medium enterprises are an important employment generating sector, especially in the backdrop of dwindling employment opportunities in the agriculture sector. As the economy of the district is predominantly based on agriculture, the need for development of MSME in the district has gained importance. An amount of Rs.47,970 lakh has been envisaged for various schemes to be supported under MSME for the year 2016-17.

C. Highlights of Developments, initiatives taken, achievements, specific prescriptions, etc.

To give thrust to the creation of scientific storage facility, milch animals, cultivation of pomegranate through use of drip irrigation to export potential etc., by enhancing term loan disbursements through a banking plan, implementation of area based scheme/s has been suggested as a coordinated effort of NABARD, Lead Bank, other banks, line departments and other important stake holders.

GoI has established the National Adaptation Fund on Climate Change (NAFCC) with a budget provision of Rs.350 crore for the year 2015-16 and 2016-17. NABARD has been appointed as National Implementing Entity (NIE) responsible for implementation of adaptation projects under the Fund.

D. Thrust areas for 2016-17 have been identified as JLG/SHG financing, post–harvest infrastructure, food processing, producer organisations, Area Development Plans/Schemes, etc.

E. Conclusion The major driver of private sector capital formation is investment credit. Immediate thrust is required to raise its share in the total agriculture credit. The document, has therefore, been prepared with emphasis on accelerating the pace of capital formation in agriculture and allied sectors. This goal can be achieved with the coordinated efforts of all the stakeholders.

PLP 2016-17 Gandhinagar

BROAD SECTOR-WISE PLP PROJECTIONS (YEAR 2016-17) STATE: GUJARAT DISTRICT: GANDHINAGAR (Rs. lakh) Sr. PLP Projections Particulars No. 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 130369.00 ii Term Loan for agriculture and allied activities 52838.00 Sub Total 183207.00 B Agriculture Infrastructure 13223.00 C Ancillary activities 2898.00 I Credit Potential for Agriculture (A+B+C) 199328.00 II Micro, Small and Medium Enterprises 47970.00 III Export Credit 2300.00 IV Education 5520.00 V Housing 8465.00 VI Renewable Energy 36.00 VII Others 5472.00 VIII Social Infrastructure involving Bank Credit 394.00 Total Priority Sector (I to VIII) 269485.00

Broad Sector-wise Projections (%)

PLP 2016-17 Gandhinagar Sector-wise PLP Projections for 2016-17 District: Gandhinagar (Rs ... lakh) Sr. Particulars PLP Projections No. 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 130369 ii Water Resources 12001 iii Farm Mechanisation 20718 iv Plantation and Horticulture (including sericulture) 1799 v Forestry and Waste Land Development 251 vi Animal Husbandry – Dairy 11240 vii Animal Husbandry – Poultry 443 viii Animal Husbandry – Sheep, Goat, Piggery, etc. 229 ix Fisheries (Marine, Inland, Brackish water) 225 x Others – Bullock, Bullock cart, etc. 5932 Sub Total 183207 B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, 8512 Godowns, Silos, Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed 1495 development iii Others (Tissue culture, Agri bio-technology, Seed production, 3216 Bio pesticides/ fertilizers, Vermin composting)

Sub Total 13223 C Ancillary Activities i Food and Agro processing 2354 ii Others (Loans to Cooperative Societies of farmers for disposing 544 of their produce, Agri Clinics/ Agri Business Centres, Loans to PACS / FSS/ LAMPS, Loans to MFIs for on lending) Sub Total 2898 Total Agriculture 199328 II Micro, Small and Medium Enterprises i MSME – Investment Credit 39920 ii MSME – Working Capital 8050 Total MSME 47970 III Export Credit 2300 IV Education 5520 V Housing 8465 VI Renewable Energy 26 VII Others (Loans to SHGs/ JLGs, loans to distressed persons to 5472 prepay non-institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) VIII Social Infrastructure involving Bank Credit 394 Total Priority Sector 269485

PLP 2016-17 Gandhinagar District Map

PLP 2016-17 Gandhinagar DISTRICT PROFILE

Gandhinagar, the administrative capital of Gujarat was carved out of Ahmedabad district in late 1960s and is well connected by rail, road and international airport. Agriculture is the major occupation of the rural people. Services in the public sector, electronics and electrical, textiles, food processing, IT, ceramics and office stationery are some of the major vocational and industrial activities in the district. Two developments that deserve mention are the development of Delhi Mumbai Industrial Corridor and Gujarat International Finance Tech City (GIFT), the country’s first multi-service SEZ with special focus on financial services. Besides other sectors, four areas namely post-harvest infrastructure, organic farming, integrated pest management and farm energy management are focus areas to aid enhancement of farm income and productivity. The district has seven Special Economic Zones and ten Industrial Estates along with IT Park which is a major contributor to economic development in the district.

Major Food, Commercial and Plantation / Horticultural Crops

Wheat, paddy, bajra, castor, cotton, spices, pulses and vegetables are the main food crops in the district. Mango, lime, chickoo and guava are important plantation and horticultural crops grown in the district. There exists very good potential for establishment of fruit processing industry.

Recent Changes in District Rural Economy

The district has predominantly agrarian economy and the development of NFS is also taking place due to infrastructure development. The agriculture activities in Gandhinagar block is getting affected by rapid urbanisation. There is a rising need for various service activities, which is resulting in faster development of service sector.

Emerging Sectors in the District

With increasing demand for processed food products due to the presence of urban centres in the vicinity, it has potential for agro and food processing units. Vegetable cultivation, floriculture, custom- hiring centres for farm machinery and equipment also have good scope.

NABARD’s Interventions in the District

NABARD interventions, direct or indirect have positively affected the district in multiple ways. One important intervention is infrastructure projects taken up with RIDF assistance particularly roads which have improved the connectivity of villages with markets.

The district profile is furnished in tabular form on the next page:

PLP 2016-17 Gandhinagar

District Profile

District - GANDHINAGAR State - GUJARAT Division -

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 2166 Agro-climatic Zone Gujarat Plains & Hills Region - North Gujarat No. of Sub Divisions - No. of Blocks 4 Climate Arid & Semi-Arid No. of Villages (Inhabited) 295 Soil Type Grey Brown, Coastal Alluvium No. of Panchayats 294 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 221796 Normal 2012 2013 2014 Actual Forest Land 2040 Rainfall [in mm] 789 599 1096 712 Area Not Available for Cultivation 22622 Variation from Normal -190 307 -77 Permanent Pasture and Grazing Land 11797 Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops [Ham] Cultivable Wasteland 5958 5. DISTRIBUTION OF LAND HOLDING Current Fallow 6942 Holding Area Classification of Holding Other Fallow 1525 Nos. % to Total Ha. % to Total Net Sown Area 170912 <= 1 Ha 54980 51 23847 15 Total or Gross Cropped Area 273012 >1 to <=2 Ha 29161 27 38500 25 Area Cultivated More than Once 102100 >2 Ha 24506 23 93589 60 Cropping Inensity [GCA/NSA] 160 Total 108647 100 155936 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 84 Population 1334 698 636 867 467 Agricultural Labourers 120 Scheduled Caste 116 61 55 51 65 Workers engaged in Household Industries 7 Scheduled Tribe 18 10 8 5 13 Workers engaged in Allied Agro-activities 4 Literate 880 522 358 533 347 Other workers 324 BPL 14 12 2 14 - 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 261 Having brick/stone/concrete houses34 Having electricity supply 211 Rural Households 171 Having source of drinking water261 Having independent toilets 189 BPL Households 44 Having access to banking services112 Having radio/tv sets 197 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 295 Anganwadis 903 Dispensaries - Villages having Agriculture Power Supply 295 Primary Health Centres 6 Hospitals 12 Villages having Post Offices 154 Primary Health Sub-Centres - Hospital Beds 483 Villages having Banking Facilities 160 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 295 Fertiliser/Seed/Pesticide Outlets [Nos]170 Agriculture Pumpsets[Nos] 5501 Villages having Primary Health Centres - Total N/P/K Consumption [MT]32040 Pumpsets Energised [Nos] 5501 Villages having Potable Water Supply 295 Certified Seeds Supplied [MT] - Agro Service Centres [Nos] 47 Villages connected with Paved Approach Roads290 Pesticides Consumed [MT] - Soil Testing Centres [Nos] 1 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos]6433 Plantation nurseries [Nos] 12 Total Area Available for Irrigation (NIA + Fallow)179379 Power Tillers [Nos] 163 Farmers' Clubs [Nos] 45 Irrigation Potential Created - Threshers/Cutters [Nos] 1953 Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 102100 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 5100 Rural/Urban Mandi/Haat [Nos]8 Wholesale Market [Nos] 12 Area irrigated by Wells 97000 Length of Pucca Road [Km]1943 Godown [Nos] 17 Area irrigated by Tanks - Length of Railway Line [Km]114 Godown Capacity[MT] 33728 Area irrigated by Other Sources - Public Transport Vehicle [Nos]698 Cold Storage [Nos] 14 Irrigation Potential Utilized (Gross Irrigated Area)113200 Goods Transport Vehicle [Nos]15525 Cold Store Capacity[MT] 69664 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] 2010-11 2011-12 Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) - - Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) - - Paddy 16000 36900 8800 20100 2237 Fruit (Pulp/Juice/Fruit drink) - - Wheat 35900 117200 35100 116200 3200 Spices (Masala Powders/Pastes) - - Cotton 30400 113000 33100 136500 664 Dry-fruit (Cashew/Almond/Raisins) - - Potato 5200 126800 3400 88500 24087 Cotton (Ginnining/Spinning/Weaving) - - Bajra 15100 29800 25100 55100 1995 Milk (Chilling/Cooling/Processing) 1 200000 Jowar 2500 2600 8700 8600 1000 Meat (Chicken/Motton/Pork/Dryfish) - - Castor 30300 66900 29000 56800 2131 Animal feed (Cattle/Poultry/Fishmeal) - - Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 17. ANIMAL POPULATION AS PER CENSUS 2012 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos]28 Animal Markets [Nos] - Cattle - Cross bred 89600 4565 85035 Disease Diagnostic Centres [Nos] - Milk Collection Centres [Nos] 351 Cattle - Indigenous 71488 20627 50861 Artificial Insemination Centers [Nos]85 Fishermen Societies [Nos] - Buffaloes 331367 17384 313983 Animal Breeding Farms [Nos]16 Fish seed farms [Nos] - Sheep - Cross bred 608 385 223 Animal Husbandry Tng Centres [Nos] - Fish Markets [Nos] - Sheep - Indigenous 13606 3326 10280 Dairy Cooperative Societies [Nos]351 Poultry hatcheries [Nos] - Goat 74124 24468 49656 Improved Fodder Farms [Nos] - Slaughter houses [Nos] - Pig - Cross bred - - - 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous - - - Fish Production [MT] - Per cap avail. [gm/day] - Horse/Donkey/Camel 2175 1258 917 Egg Production [Lakh Nos]24 Per cap avail. [nos/p.a.] 24 Poultry - Cross bred 125165 13165 112000 Milk Production ['000 MT]382 Per cap avail. [gm/day] 476 Poultry - Indigenous 8264 420 6470 Meat Production [MT]728 Per cap avail. [gm/day] - 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 No. 8 - BPL Survey 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census 2012; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Sources (if not mentioned against the Eco. & Stat. respective item):

PLP 2016-17 Gandhinagar Banking Profile