PLP 2016-17 District

EXECUTIVE SUMMARY

I. 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 2015-16 is “Accelerating the pace of capital formation in agriculture and allied sector”. The PLP maps the potential in priority sectors which could be exploited with institutional credit within a specified time frame. PLP are 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 linkage and other support required to be provided by line departments to facilitate credit flow as planned are also listed in the PLP. II. is one of the four districts of the Bodoland Territorial Autonomous Districts (BTAD). The district comprises of three sub-divisions namely Kokrajhar, and Parbatjora; eleven development blocks of which five are full blocks namely – Kokrajhar, Dotoma, Gossaigaon, Kochugaon and Debitola and six are partial blocks which were earlier parts of district namely Hatidura, Rupsi, Mohamaya, Chapar Salkosha, Golakganj and Bilasipara. The BTAD authority is in charge of all the developmental activities including agriculture and rural development. The district Headquarter at Kokrajhar is also the Headquarters of the BTAD. The BTAD came into existence in the year 2005. The visible effects are noticed in the rapid urbanization of the BTAD headquarters – Kokrajhar. The total area of Kokrajhar district 312900 ha with a total population of 898999. It is situated at the foothills and shares an international boundary with at its north. The district shares its boundary with the districts of Chirang and on the east and Dhubri at its south; and with on its west. The main rivers flowing from North to south are Sankosh, Saralbhanga, Gaurang and Champamati. About 49% of the landscape is covered by Reserved Forest Areas and the rest are human habitation and cultivable / fallow land/ beels. Traditionally, the main sources of income are forest products and paddy cultivated mainly through traditional practices. The Bodo cultivators traditionally practiced canal irrigation system which gave very high yield. Other traditional economic activities are rearing of pigs, production and weaving. There exists vast scope of developing and expanding these activities through technology support, marketing and timely credit. This may be facilitated through supporting micro/ small/ medium units as individuals involved in these activities have small to medium land holdings. III. Sectoral trends in credit flow for last three years and specifically the performance under the District Credit Plan (2014-15). The disbursement of bank credit towards crop loan in the district in the last three years is Rs. 1098.28 lakh in 2014-15, Rs. 1829.29 lakh in 2013-14 and Rs 1141.46 lakh in 2012-13 respectively. While amount of loan purveyed by banks in the agriculture sector inclusive of both crop and term loans in the last three years remained at Rs. 1939.11 lakh in 2014-15, Rs. 2239.34 lakh in 2013-14 and Rs. 1553.87 lakh during 2012-13. The amount of bank credit purveyed in the MSME Sector in the district during 2013-14 since 2011-12 is Rs. 1412.47 lakh in 2014-15, Rs. 740.98 lakh in 2013-14 and Rs. 487.42 lakh during 2012-13. The amount of bank loan purveyed by various branches in the district in the Other Priority Sector remained at Rs. 1138.86, Rs. 1111.07 lakh, and Rs. 715.63 during 2014-15, 2013- 14 and 2012-13 respectively. Although the district has shown marginal increase in the disbursement of credit in the last three years; performance of credit flow in priority sector has largely remained much short of the District Credit Plan targets and the district falls in the category of below the required 60% CD Ratio. Performance of achievement in priority sector against District Credit Plan ranges at 30.66 %, 33.87% and 28% during 2014-15, 2013-14 and 2012-13 respectively. IV. The total projected credit flow during the Financial Year 2016-17 in the district is Rs. 21701.43 lakh which is 22.24 % more than the PLP projections for the Financial Year 2015-16 and 17.41% more than the ACP target for the Financial Year 2015-16. The broad sector wise breakup of the above projections as per the latest Priority Sector Lending guidelines are 55.62% for Crop

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PLP 2016-17 Kokrajhar District

Production, Marketing and Food security, 17.48% for Agri-term credit, 2.09% for Agri Infrastructure, 1.62% for Ancillary Activities, 10.73% for the MSME sector, 0.29% for Export Credit, 0.37% for Education, 7.52% for Housing, 0.19% renewable Energy, 2.54% for Others and Food and Agro Processing and 1.54% for Social Infrastructure. The Base PLP projection (2012-17) for the year 2016-17 was estimated at 20036.20 lakh. However it is expecting that there will be increase in cost of various agriculture inputs and labour cost, fuel price hikes, certain factors like forecast of normal rainfall, change in government subsidy support available and general trend of disbursement of credit. Accordingly, the revised PLP projections for 2016-17 is estimated at 21701.43 lakh. V. Rural Infrastructure The District administration / implementing departments may Identify critical projects in the agricultural infrastructure sector in consultation with stakeholders and create a shelf of projects. Further in respect of sanctioned projects, close monitoring is needed to avoid delay in implementation. Community owned groundwater recharge structures, water tanks are some of the critical activities for development of the agriculture sector. It has been observed that lack of proper maintenance continues to be a major issue especially for the new infrastructure created out of RIDF like roads, veterinary infrastructure etc which could be addressed by creation of a separate corpus fund for RIDF assisted projects. VI. Financial Inclusion / Micro-Finance The district has 13 banks with a network of 38 branches. Another 8 bank branches located in provide banking services to 200 villages which earlier formed a part of Dhubri prior to the formation of BTAD. The district has the advantage of having a Regional Office of the AGVB. As on 31 March 2015, 10 branches have 41 BCs under them providing banking services to more than hundred villages. Kochugaon Development Block identified as an Intensive block has been implementing the National Rural Livelihood Mission (NRLM) with a cumulative number of SHGs estimated at 2153 groups. The district is also among 150 districts in the country implementing the Women Self Help Group Scheme (WSHG). This project is an attempt at having NGO-SHPI to work not merely as an SHPI for promoting and enabling credit linkage of these groups with the banks, but also serving as a banking/ business facilitator, tracking, monitoring these groups and also being responsible for loan repayments. This approach is expected to facilitate sustained financial inclusion through bank loan, promote livelihood development of women and deliver social development programmes for women through SHGs. VII. Area Based Schemes: An effective approach to promote holistic development could be to adopt area based schemes/ initiatives including extension; post-harvest management; processing and marketing in consonance with comparative advantage of promotion of predominant and viable economic activities in the identified area. Our focus is to give thrust to the identified sector/activity by enhancing term loan disbursements through a banking plan. Predominant activities which could be considered for area based schemes in the district are –  paddy – production and processing;  animal husbandry – piggery, poultry, dairy and goatary ;  sericulture – eri silk production and weaving Traditionally, the main sources of income are forest products and paddy cultivated mainly through traditional practices. Other traditional economic activities are rearing of pigs, eri silk production and weaving. There exists vast scope of developing and expanding these activities through technology support, marketing and timely credit. This may be facilitated through supporting micro/ small/ medium units as individuals involved in these activities have marginal to small land holdings. All the above activities have good demand in the local market as well as across the border in Bhutan. The district is home to the unique coloured eri silk which is found

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PLP 2016-17 Kokrajhar District only in Kokrajhar. There is huge demand of this rare hued eri silk in the global community especially in European markets. VIII. Issues, Thrust areas  The need for improved customer orientation especially in rural bank branches was felt necessary.  Irrigation has come up as a major area of concern as rainfall pattern and seasonality is undergoing a tremendous change. With 75% of the net sown area being rainfed, farmers’ understanding of arrangements for timely and assured irrigation is the call of the day. Installation of water saving techniques such as drip and sprinkled systems are still distant in the district. These systems need to be encouraged in the district and will probably need to be supported with subsidy. Farmers are also being motivated to adopt crop species / technologies with lesser water requirement. Financing of Farm Ponds and Rain Water Harvesting structures also need to be taken up in all demonstration initiatives by the line departments.  In the villages even today farmers use very less chemical fertilizer and the cultivation practices has largely remained organic. Promotion of balanced consumption of fertilizers by adoption of integrated nutrient management practices, popularization of the use of bio- fertilizers, vermi-compost are some of the thrust areas for the district.  The district is known for its production of banana along the West Bengal border. Collocasia and tapioca grown in the district are also very popular. Improvements of post-harvest infrastructure by establishing godowns/ cold storages and availability of quality planting material are the thrust areas in the plantation and horticulture sector. Farm level grading and standardization of agricultural produce also needs to be strengthened.  The need for improved customer orientation especially in rural bank branches was felt necessary. Making available instructions in local language, improved man-power in rural branches, and larger adoption of KCC-mode of financing etc. were some of major issues highlighted by the farmers. There is a strong felt need to break away from the vicious cycle of bad loanees and non repayment leading to conservative lending by bankers and inability to identify genuine progressive and eligible farmers.  Improving availability of fodder, identification and opening of new milk routes and promotion / popularization of silage production techniques are required for development of the dairy sector.  Hygienic chicken dressing outlets need to be promoted and made mandatory to ensure consumer gets quality produce and the wastes are disposed scientifically. Government may continue to provide comprehensive monitoring for disease outbreak and forecasting. Agriculture and allied activities Agriculture continues to be the main activity of the rural populace of the district with around 93% of the workforce directly dependent on it. The gross cropped area and the net sown area were 1.77 Lakh ha and 1.13 lakh ha during 2013- 14. The net sown area constituted 28% of the total geographical area of 3.12 lakh ha. The net sown area increased by 4605 Ha. Out of the net sown area, 25.44% is irrigated and the balance is rainfed. Paddy and mustard are the important crops grown in the district. The cropping intensity is 164%. The total number of land holdings during 2012-13 was 78382 covering an area of 86156.57 ha & the average size of holdings was 1.09 ha. Micro, Small and Medium Enterprises Sector The district headquarters also being the headquarters of the Bodoland Territorial Area Districts (BTAD) has a distinctive advantage of having the council level directorates in addition to the district level offices. Development of the sector through appropriate credit and policy support assumes greater importance in order to bring about planned growth of the district. As on 31 March 2015, the credit purveyed to this sector by the banking institutions was Rs 1412.47 lakh with year-on-year growth of 90%.

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PLP 2016-17 Kokrajhar District

The various incentives / subsidy provided by GoA viz., subsidy assistance on capital investment in micro-enterprises, exemption on VAT for 15 years (industries set up on or after March 1, 2014, 50% interest subsidy to traditional industries etc are expected to provide the required momentum of accelerated credit flow to this sector. One of the major concern among the entrepreneurs is the availability of quality and regular power supply for such units. Banks may popularize the issue of Swarozgar Credit Cards (SCCs). Identification and promotion of product specific clusters by providing necessary forward and backward linkages is the need of the hour for making these units competitive. Export Credit There is an imperative necessity to promote export in Indian economy. The district has the potential to go global in certain niche areas especially in Eri Silk production. An estimation of ₹ 64.00 lakh has been made for the export sector keeping in view the existing scale of activities. Looking at the potential and anticipated supports from stakeholders like creation of awareness about the existing export potential and procedures among the farmers and entrepreneurs this sector should be able to do much better in the coming years. The most imperative factor however will be the ability to create a peaceful and progressive environment. Education 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 fuels the need for educational loans. In view of this, a credit potential of ₹ 80 lakh has been estimated for extending education loan in the district. Housing As per census 2011, out of 1.81 lakh households of Kokrajhar district 93% are rural, 0.67 lakh household have pucca dwellings. Remaining 1.14 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 ₹1632.00 lakh has been estimated for extending housing loan in the district. Renewable energy A credit potential of ₹ 41.36 lakh has been estimated for tapping the renewable energy in the district. The State Government has to take a steps in popularising the use of renewable energy as there is a lack of awareness among the public. Others 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 ₹.550.00 lakh.

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PLP 2016-17 Kokrajhar District

Broad Sector wise PLP Projections 2016-17

District : Kokrajhar State :

(` lakh) PLP Projections Sr. No. Particulars 2016-17 A Farm Credit i Crop Production, Maintenance, Marketing 12069.80 ii Term Loan for Agriculture and Allied activities 3794.18 Sub Total 15863.98 B Agriculture Infrastructure 453.05 C Anciliary Activities 352.44 I Credit Potential for Agriculture (A+B+C) 16669.47 II Micro, Small and Medium Enterprises 2329.00 III Export Credit 64.00 IV Education 80.00 V Housing 1632.00 VI Renewable Energy 41.36 VII Others 550.40 VIII Social Infrastructure 335.20 Total Priority Sector (I to VIII) 21701.43 550.40 Sectoral Share 3%

335.20 41.36 2% 80.00 0% 0% 64.00 1632.00 0% 7% Crop Production, Maintenance, Marketing

Term Loan for Agriculture and Allied activities

2329.00 Agriculture Infrastructure

11% Anciliary Activities 352.44 Micro, Small and Medium Enterprises 2% Export Credit

Education 12069.80 453.05 56% Housing 2% Renewable Energy 3794.18 Others 17% Social Infrastructure

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PLP 2016-17 Kokrajhar District

SUMMARY OF SECTOR / SUB-SECTOR WISE PLP PROJECTIONS 2016-17

(` lakh)

Sr. PLP Projections Particulars No. 2016-17 I Credit Poteltial for Agriculture A Farm Credit i Crop Production, Maintenance, Marketing 12069.80 ii Water Resources 180.79 iii Farm Mechanization 814.26 iv Plantation & Horticulture 297.16 v Forestry and Wasteland Development 65.05 vi Animal Husbandry - Dairy 512.12 vii Animal Husbandry - Poultry 189.51 viii Animal Husbandry -Sheep/Goat/Piggery 1458.26 ix Fishery 271.27 x Others 5.76 Sub Total 15863.98 B Agriculture Infrastructure i Storage Facilities 397.45 Land Development, Soil Conservation, Watershed ii 55.60 Development iii Others 0.00 Sub Total 453.05 C Anciliary Activities i Agro & Food Processing Sector 336.44 ii Others 16.00 Sub Total 352.44 D Total Agriculture 16669.47 II Micro, Small and Medium Enterprises Manufacturing Sector - Term Loan 2021.00 Manufacturing Sector - Working Capital 308.00 Total MSME 2329.00 III Export Credit 64.00 IV Education 80.00 V Housing 1632.00 VI Renewable Energy 41.36 VII Others 550.40 VIII Social Infrastructure 335.20 Total Priority Sector 21701.43

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PLP 2016-17 Kokrajhar District

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PLP 2016-17 Kokrajhar District

DISTRICT PROFILE District - KOKRAJHAR State - ASSAM Division - Division 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 2176 Agro-climatic Zone Lower Zone No. of Sub Divisions 3 Subtropical, warm-humid summer followed by cool and dry No. of Blocks 15 Climate winter. No. of Villages 1091 Northern part of the district is clay loam soil, middle part Soil Type No. of Gaon Panchayats 168 sandy loam 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 Sown 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 workers 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 89 Having electricity supply 74 Rural Households 371 Having source of drinking water 236 Having independent 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 Anganwadis Dispensaries NA Villages having Agriculture Power 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 NA Agriculture NA Villages having Primary Health Centres NA Total N/P/K Consumption [MT] 11398.65 Pumpsets Energised NA Villages having Potable Water Supply NA Certified Seeds Supplied [MT] NA Agro Service Centres NA Villages connected with Paved Approach Soil Testing Centres 830 Pesticides Consumed [MT] NA NA Roads [Nos] 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 519 Plantation nurseries NA Total Area Available for Irrigation (NIA + NA Power Tillers [Nos] NA Farmers' Clubs [Nos] 81 Fallow) Irrigation Potential Created 26632 Threshers/Cutters [Nos] NA Krishi Vigyan 1 Net Irrigated Area(Total area irrigated at 611 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING least once) 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 Godown [Nos] NA Area irrigated by Tanks NA Length of Railway Line [Km] 59 Godown Capacity[MT] NA Area irrigated by Other Sources 41642 Public Transport Vehicle [Nos] NA Cold Storage [Nos] NA Irrigation Potential Utilized (Gross Irrigated Goods Transport Vehicle [Nos] 3226 Cold Store Capacity[MT] NA Area) 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS No of Type of Processing Activity Cap.[MT] 2012-13 2013-14 units Avg. Yield Crop Food (Rice/Flour/Dal/Oil/ [Kg/Ha] NA NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) Tea/Coffee) Sugarcane (Gur/Khandsari/ NA NA Ahu Paddy 59200 165760 59200 233840 3950 Sugar) Fruit (Pulp/Juice/Fruit drink) NA NA Sali Paddy 62500 112500 51535 95855 1860 Spices (Masala Powders/ NA NA Bodo Pady 30150 32562 30150 34673 1150 Pastes) Dry-fruit (Cashew/Almond NA NA Wheat 10240 18432 10250 12351 1205 /Raisins) Cotton (Ginnining/Spinning NA NA Mustard 18800 9400 18900 123228 6520 /Weaving) Milk (Chilling/Cooling NA NA Lentil 1365 887 365 607 1663 /Processing) Meat (Chicken/Motton/Pork NA NA Potato 5850 44957 5900 50150 8500 /Dryfish) Animal feed (Cattle/Poultry/ Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in NA NA Fishmeal) ) 17. ANIMAL POPULATION AS PER CENSUS 2003 [in 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries 17 Animal Markets [Nos] NA Cattle - Cross Milk Collection Centres 6077 877 5200 Disease Diagnostic Centres [Nos] 1 NA breed [Nos] Artificial Insemination Centers Fishermen Societies Cattle - Indigenous 502284 199046 303238 NA NA [Nos] [Nos] Buffaloes 13043 7601 5442 Animal Breeding Farms [Nos] 1 Fish seed farms [Nos] NA Sheep - Cross Animal Husbandry Tng Centres 122 105 17 NA Fish Markets [Nos] NA breed [Nos] 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/Ca 957 681 276 Egg Production [Lakh Nos] 410 Per cap avail. [nos/p.a.] NA mel Poultry - Cross 13670 3806 9864 Milk Production ['000 MT] 532 Per cap avail. [gm/day] NA breed Poultry - 579128 210016 369112 Meat Production [MT] 172 Per cap avail. [gm/day] NA Indigenous 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 respective item): Census 2012; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat.

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PLP 2016-17 Kokrajhar District

BANKING PROFILE District - Kokrajhar State - Assam Lead Bank - UCO Bank 1. NETWORK & OUTREACH (As on 31/03/2015) No. of No. of Branches No. of non-formal agencies assoiated Per Branch Outreach Agency Banks/ Semi- mFIs/ SHGs/ Society Total Rural Urban BCs/BFs Villages Households urban mFOs JLGs Commercial 11 30 14 16 Nil NA NA NA NA NA Banks Regional Rural 1 14 12 2 Nil NA NA NA NA NA Bank Cooperative 1 2 Nil 2 Nil NA NA NA NA NA Bank All Agencies 13 46 26 20 Nil NA NA NA NA NA 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs.'000] Agency Growth 31-Mar-12 31-Mar-14 31-Mar-15 Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) (%) Commercial 292215 NA NA NA NA 10320559 11454007 13316746 16.26% 79.78% Banks Regional Rural 173412 NA NA NA NA 2367487 2427565 2541115 4.67% 15.23% Bank Cooperative 26185 NA NA NA NA 704972 789175 832963 5.54% 4.99% Banks All Agencies 491812 NA NA NA NA 13393018 14670747 16690824 13.76% 100 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.'000] Agency Growth Growth 31-Mar-13 31-Mar-14 31-Mar-15 Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Share(%) (%) (%) Commercial NA 12253 NA - NA 2832721 2949708 3242955 9.04% 70.67% Banks Regional Rural NA 9941 NA - NA 795580 995260 1127911 13.32% 24.57% Bank Cooperative NA 1431 NA - NA 199267 219588 218003 -0.72% 4.76% Banks All Agencies NA 23625 NA - NA 3827568 4164556 4588869 10.18% 100 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 27.44 25.75 35.88 Commercial Banks 24066 7777 - - Banks Regional Rural 33.6 41 44.39 Regional Rural Bank 11119 6063 - - Bank Cooperative 28.26 27.82 26.17 Cooperative Banks 428 41 - - Banks All Agencies 29.8 28.38 27.49 All Agencies 35613 13881 - - 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) Priority Sector Loans Loans to Agr. Sector Loans to Weaker Loans under DRI Scheme Loans to Women Agency Amount % of Total Amount % of Total Amount % of Total Amount Amount % of Total % of Total Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] [Rs.'000] Loans Commercial 189586 42.22 64269 33.14 140250 3.37 - - 42075 1.01 Banks Regional Rural 255889 56.99 126113 65.03 71563 1.72 - - 23584 0.57 Bank Cooperative 3529 0.79 3529 1.83 5571 0.13 - - 1536 0.04 Banks All Agencies 449004 100 193911 100 217384 5.22 - - 67195 1.61 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[%] in Ach'ment [Rs. '000] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] [%] last 3 years Commercial 626612 169615 27 765736 202570 26.45 1018372 189586 18.62 Banks Regional Rural 3168 91107 29 411038 204467 49.74 392069 255889 65.27 Bank Cooperative 526 14070 27 31050 2102 6.76 48130 3529 7.33 Banks All Agencies 9961 274792 28 1207819 409139 33.87 1458571 449004 30.78 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[%] in Ach'ment [Rs. '000] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] [%] last 3 years Crop Loan 390994 114146 - 279200 182929 - 302380 109828 36.32 - Term Loan 178435 41241 - 140505 41005 - 49600 83958 169.27 - (Agr) Total Agri. 569429 155387 419705 223934 351980 193786 55.06 Credit Non-Farm 143235 47842 250839 74098 116853 141247 120.88 Sector Other Priority 299942 71563 294030 111107 390203 90633 23.23 Sector Total Priority 1012606 274792 964564 409139 1458571 449004 30.78 Sector 9. RECOVERY POSITION 2012-13 2013-14 2014-15 Average Agency Demand [Rs. Recovery Recovery Demand Recovery Recovery Demand [Rs. Recovery Rec. [%] in Recovery [Rs. '000] '000] [Rs. '000] [%] [Rs. '000] [Rs. '000] [%] '000] [%] last 3 years Commercial ------Banks Regional Rural ------Bank Cooperative ------Banks Others ------All Agencies ------Sources : Lead Bank & SLBC

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