PLP 2016 17 Surendranagar District EXECUTIVE SUMMARY a. Introduction

Surendranagar district is primarily an agricultural district with cotton and cumin as the predominant crops. The other major crops cultivated are bajra, wheat, sesamam, groundnut, etc. About 37% of land holdings are with small and marginal farmers and the average size of the holdings is 1.22 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 ` 305987.00 lakh, of which, Crop Production sector has a major share of 75% at ` 230000.00 lakh. Term loan under agriculture is assessed at ` 57500.00 lakh (20% of Total Agriculture) which is 19% of Total Priority Sector. Under MSME, ` 11500.00 lakh has been assessed as potential forming 4% and balance at ` 6987.00 lakh has been estimated for other sectors like Exports, Education, Housing, etc.which formed 2% of total priority sector. The activity-wise and block-wise assessment of potential is presented in Annexure I.

The PLP projection for 2016-17 is lesser by ` 11058.15 lakh when compared to the PLP for the year 2015-16 due to carving out of developed block (Halvad) to a new district (Morbi). Further, the PLP projection is higher by ` 25987.00 lakh when compared to the ACP target for the year 2015-16. b. Suggested action Points in respect of major sectors and infrastructure/non-credit inputs are as under:

(i) Crop Production, Maintenance and Marketing Adoption of advanced technologies for the restoration of soil health, mechanisation, and cultivation of suitable remunerative crops, effective pest and disease management are essential to step up the agricultural production. Modern methods of cultivation like Fertigation for sugarcane, Precision farming for Vegetables, Sprinkler irrigation for pulses etc need to be adopted for increasing production and productivity. Banks may adopt Rupay KCC as an effective credit delivery mechanism and educate the farmers to subscribe to crop insurance schemes.

(ii) Water Resources and Land Development As monsoon continues to be erratic, need for greater focus lies in water resource management. Farmers need to be incentivised to save water by adopting suitable cropping pattern on their farms. There is a need for conserving soil moisture security so that “more crop per drop” can be achieved.

(iii) Farm Mechanisation Shortage of labour is a serious threat affecting the development of agriculture in the district. Enhanced credit flow for farm mechanisation should be ensured. Banks may increasingly adopt the strategy of JLG financing to enable SF/MF to purchase farm machineries and equipment.

(iv) Plantation and Horticulture Horticulture crops could be encouraged as an alternative to the traditional cropping pattern in the district. Vegetables and Floriculture may be encouraged under modern methods like Green house/controlled conditions with bank credit. The Departments of Horticulture and Agriculture may popularise suitable horticulture crops for development in cultivable wastelands and saline/alkaline areas.

(v) Animal husbandry Animal husbandry, particularly dairy is the most suitable subsidiary occupation. As dairy offers quick returns and near stable prices, banks may finance liberally ensuring tie-up arrangements with Dairy farms/societies. Banks may also encourage farmers to take up calf rearing and fodder cultivation, as viable activities with financial assistance.

1

PLP 2016 17 Surendranagar District (vi) MSME

Banks should step up their lending to MSME sector including provision of adequate Working Capital assistance. Handloom Weavers and Handicrafts sectors in the district need to be adequately supported with bank credit. Banks may encourage artisan SHGs/JLGs from Handloom, Arts & crafts in these areas and also issue SCCs. c. Highlights of Developments, initiatives taken, achievements, specific prescriptions etc.

 NABARD’s initiative on Natural Resources Management with focus on Tribal development to give thrust to the identified sector/activity 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.  ‘WADI” model is holistic in approach, addressing production, processing and marketing of produce and other livelihood needs.  GoI has established the National Adaptation Fund on Climate Change (NAFCC) with a budget provision of ` 350 crores 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.  To ensure effective price protection to the farmer, National Agricultural Market being proposed can be a solution backed by adequate storage facilities. d. Thrust areas for 2016-17

Such as JLG/SHG financing, post–harvest infrastructure, food processing, Producer Organizations, Area Development Plans/Schemes, etc. as applicable to the district. 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.

2

PLP 2016 17 Surendranagar District Sector-wise PLP Projections 2016-17 (` Lakh ) PLP Sr.No. Particulars Projections A Farm Credit (i) Crop Production, Maintenance and Marketing 230000.00 B Agri Term Loan (i) Agriculture and Allied Activities 36796.00 (ii) Agriculture Infrastructure 19113.00 (iii) Ancillary Activites 1591.00 Total Agri Term Loan 57500.00 Credit Potential for Agriculture (A+B) 287500.00 C Micro, Small and Medium Enterprises 11500.00 D Others (i) Export Credit 800.00 (ii) Education 480.00 (iii) Housing 3100.00 (iv) Renewable Energy 221.00 (v) Others 1900.00 (vi) Social Infrastructure involving bank credit 486.00 Total ‘Others’ 6987.00 Total Priority Sector (A to D) 305987.00

MSME Others 4% 2% Agri. Term loan 19%

Crop loan 75%

Crop loan Agri. Term loan MSME Others

3

PLP 2016 17 Surendranagar District

Sub-sector wise PLP Projections 2016-17 ` lakh Sr. PLP projections Particulars No for 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 230000.00 ii Water Resources 9932.00 iii Farm Mechanization 19249.00 iv Plantation & Horticulture (including sericulture) 2927.00 v Forestry & Waste Land Development 484.00 vi Animal Husbandry – Dairy 1678.00 vii Animal Husbandry - Poultry 179.00 viii Animal Husbandry – Sheep, Goat, Piggery, etc. 82.00 ix Fisheries (Marine, Inland, Brackish water) 261.00 x Others – Bullock, Bullock cart, etc. 2004.00 Sub Total 36796.00 B Agriculture Infrastructure Construction of storage facilities (Warehouses, Market yards, Godowns, Silos, 10087.00 i Cold storage units/Cold storage chains ii Land development, Soil conservation, watershed development 8587.00 Others (Tissue culture, Agri bio-technology, Seed Production, Bio 439.00 iii pesticides/fertilizers, Vermin composting) Sub Total 19113.00 C Ancillary activities i Food and Agro processing 1355.00 Others (Loans to Cooperative Societies of farmers for disposing of their produce, 236.00 ii Agri Clinics/Agri Business Centres, Loans to PACS/FSS/ LAMPS, Loans to MFIs for on lending) Sub Total 1591.00 Total Agriculture 287500.00 II Micro, Small and Medium Enterprises i MSME – Working Capital 2654.00 ii MSME – Investment credit 8846.00 Total MSME 11500.00 III Export Credit 800.00 IV Education 480.00 V Housing 3100.00 VI Renewable Energy 221.00 Others (Loans to SHGs/JLGs, loans to distressed persons to prepay non- VII institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST 1900.00 VIII Social Infrastructure involving bank credit 486.00 Total Priority Sector 305987.00

4

PLP 2016 17 Surendranagar District District Map of Surendranagar

Courtesy: www.mapsofindia.com

5

PLP 2016 17 Surendranagar District DISTRICT PROFILE

1. Profile of the district: Surendranagar is known as the gateway to Region. The Climate here is extreme. The average rainfall of the Surendranagar district (1984-2013) was 550 mm. During 2015 (till 14.9.15), the district received 73% of the average rainfall. The geographical area of the district is 9271Sq. Km. Among main crops, cotton occupies maximum area under cultivation. Bajra & Groundnut, Sesame, Cumin, Vegetables and Oilseeds are the other main crops. The district with gross cropped area of 648660 ha has a cropping intensity of 104.23%. The net sown area is 623934 ha and the net irrigated area (133522 ha) formed 21.40 % of the net sown area. (Source: Agri.Dept). The chief agricultural produce of Surendranagar district is cotton. In fact Surendranagar district is one of the highest quality producers of cotton in world. First private cotton futures trading exchange was established in Surendranagar. The district being hub of cotton and ginning activities of is one of the largest producer of quality "Shankar" cotton in world is also home to large number of ginning and pressing units. Little of the district produces nearly 25% of India's salt supply. 2. Status of PRI System in the District To have effective public participation at district, Taluka and Village Level the governing bodies are called Jilla Panchayat, Taluka Panchayats and Gram Panchayats. These governing bodies are empowered with devolution of powers, functions and functionaries. At village execution of Government work is primarily done through Gram Sevaks and Talatis. 3. Infrastructure available  There are 150580 land holders in the district. Out of this, 41192 holders having land upto 2.0 ha. indicating the number of SF/MF population, 93577 holders are have land between 2.0 ha. and 10.0 ha. and rest of them are having more than 10.0 hectres.  There are 11 Rural Markets, 7 Market yards, one Soil Testing Laboratory and one District Farmers' Training Centre at Surendranagar and five seed farms under the administration of District Panchayat Agriculture department.  Surendranagar is the District Head-quarters and adjoining Joravarnagar & towns have well developed market catering services to the people in the district. Joravarnagar is also famous for trade of Timber & Tiles. There are 9 regulated market yards for handling agriculture produce of 661 villages in the district. 4. Scale of Finance The District Level Technical Committee (DLTC) in its meeting held on 3.12.14, had fix the scale of finance per ha. cotton (dry) at ` 47,000/-, cotton (Irr) at ` 67000, groundnut(dry) at 32000 and groundnut (irr) at ` 47000 per ha. 5. Arrangements for marketing: National Agriculture and Co-op. Marketing Federation of India Ltd. (NAFED) is the nodal agency for procurement of sesame. Various alternative system of marketing is through Direct Marketing, Contract Marketing, Co-operatives, Forward and Future markets. Besides, there is APMC in which provides marketing support for agriculture produce. As also there are 9 Market Committees, 9 main yards and one sub market yard 6. Availability of institutional credit: The credit support is provided by all financial agencies in the form of Short Term Loan, Produce Marketing Loan and Kisan credit card. 8. NABARD in Surendranagar district. In the district, NABARD is promoting various developmental schemes, viz., SHG Bank Linkage Programme, JLGs, RIDF, Farmer Clubs, MEDPs,etc. Besides, NABARD also prepares annually the Potential Linked Credit Plan (PLP) for assessing the available potential for bank credit.

6

PLP 2016 17 Surendranagar District

District Profile Appendix -C District Surendranagar State - Division - Saurashtra 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geog. Area (Sq.km) 9271 Agro-climatic Zone 7 & 8 No. of Sub Divisions na No. of Blocks 10 Climate Extreme No. of Villages (Inhabited) 583 Soil Type Medium Black, Sandy, Saline & Alkaline No. of Panchayats 546 3. LAND UTILISATION [ha] 4. RAINFALL & GROUND WATER Total Area Reported 922500 Normal 2011-12 2012-13 2013-14 Actual Forest Land 44821 Rainfall [in mm] 810 679 543 835 Area Net Available for Cultivation 623934 Variation from Normal (-)131 (-) 267 (+)25 Permanent Pasture and Grazing Land 40995 Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 0 [Ham] na na na Cultivable Wasteland 14206 5. DISTRIBUTION OF LAND HOLDING Current Fallow 39423 Holding Area Classification of Holding Other Fallow 2930 Nos. % to Total ha. % to Total Net Sown Area 623934 <= 1 ha 22202 12 15394 2 Total or Gross Cropped Area 648660 >1 to <=2 ha 44985 25 66647 10 Area Cultivated More than Once 142525 >2 ha 114329 63 560384 87 Cropping Inensity [GCA/NSA] 104 Total 181516 100 642425 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 195 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 70 Population(Census 11) 3342 1732 1610 2380 962 Agricultural Labourers 209 Scheduled Caste(Cens 11) 348 181 167 247 101 Workers engaged in Household Industries 14 Scheduled Tribe(Cens 11) 43 22 21 39 4 Workers engaged in Allied Agro-activities na Literate(Census 2011) 2080 1224 856 1377 703 Other workers 232 BPL(Census 2011) 1303 675 628 928 375 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 310 Having brick/stone/concrete houses na Having electricity supply na Rural Households 216 Having source of drinking water na Having independent toilets na BPL Households Having access to banking services na Having radio/TV sets 104 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 594 Anganwadis 1495 Dispensaries 4 Villages having Agriculture Power Supply 594 Primary Health Centres 33 Hospitals 2 Villages having Post Offices 198 Primary Health Sub-Centres 200 Hospital Beds 50 Villages having Banking Facilities 79 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 431 Fertiliser/Seed/Pesticide Outlets [Nos] 946 Agriculture Pumpsets[Nos] 2000 Villages having Primary Health Centres 36 Total N/P/K Consumption [MT] 97923 Pumpsets Energised [Nos] na Villages having Potable Water Supply 594 Certified Seeds Supplied [MT] na Agro Service Centres [Nos] 17 Villages connected with Paved Approach Roads 521 Pesticides Consumed [MT] na Soil Testing Centres [Nos] 1 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 23842 Plantation nurseries [Nos] 2 Total Area Available for Irrigation (NIA + Fallow) 248000 Power Tillers [Nos] 15486 Farmers' Clubs [Nos] 271 Irrigation Potential Created Threshers/Cutters [Nos] 500 Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 248000 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 198891 Rural/Urban Mandi/Haat [Nos] na Wholesale Market [Nos] 9 Area irrigated by Wells 48000 Length of Pucca Road [Km] 3875 Godown [Nos] 20 Area irrigated by Tanks 1000 Length of Railway Line [Km] 240 Godown Capacity[MT] 17827 Area irrigated by Other Sources 1900 Public Transport Vehicle [Nos] na Cold Storage [Nos] 4 Irrigation Potential Utilized (Gross Irrigated Area) 248614 Goods Transport Vehicle [Nos] 128805 Cold Store Capacity[MT] 21390 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS No of Type of Processing Activity Cap.[MT] 2012-13 2013-14 Avg. Yield units 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 Castor 104123 191267 47988 122983 2379 Fruit (Pulp/Juice/Fruit drink) na na Bajra(Pearl Millet) 2042 2317 6450 6243 1078 Spices (Masala Powders/Pastes) na na Wheat 33285 85630 34498 97176 3048 Dry-fruit (Cashew/Almond/Raisins) na na Cumin 101067 56477 84905 78491 605 Cotton (Ginnining/Spinning/Weaving) 3 na Sesamam 6188 185 24010 11463 343 Milk (Chilling/Cooling/Processing) na na Groundnut 8170 6483 16153 42783 1663 Meat (Chicken/Mutton/Pork/Dry fish) na na Cotton 331042 735767 372440 1350045 421 Animal feed (Cattle/Poultry/Fishmeal) na na Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 17. ANIMAL POPULATION AS PER CENSUS 2007 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 48 Animal Markets [Nos] na Cattle - Cross bred 4835 1620 3215 Disease Diagnostic Centres [Nos] 1 Milk Collection Centres [Nos] 10 Cattle - Indigenous 342026 169714 172312 Artificial Insemination Centers /Sub Centres[Nos] 158 Fishermen Societies [Nos] 7 Buffaloes 290000 164214 125786 Animal Breeding Farms [Nos] 0 Fish seed farms [Nos] na Sheep - Cross bred na na na Animal Husbandry Tng Centres [Nos] na Fish Markets [Nos] 1 Sheep - Indigenous 134000 134000 na Dairy Cooperative Societies [Nos] 598 Poultry hatcheries [Nos] na Goat 191000 191000 na Improved Fodder Farms [Nos] Slaughter houses [Nos] 1 Pig - Cross bred na na na 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous na na na Fish Production [MT] 3696 Per cap avail. [gm/day] na Horse/Donkey/Camel 2000 na na Egg Production [Lakh Nos] 2 Per cap avail. [nos/p.a.] 1 Poultry - Cross bred na na na Milk Production ['000 MT] 255 Per cap avail. [gm/day] na Poultry - Indigenous 1000 na na Meat Production [MT] na Per cap avail. [gm/day] na Sources (if not mentioned Item Nos. 1, 6, 7, 9 & 10 - Census 2011; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item against the respective No. 8 - BPL Survey 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census 2007; Item Nos. 18 & 19 - item): Dir. of Animal Hus./Dir. of Eco. & Stat.

7

PLP 2016 17 Surendranagar District

9