PLP 2016-17

EXECUTIVE SUMMARY A. Introduction Gir Somnath is primarily an agricultural district with Cotton, Groundnut and Sugarcane as the predominant crops. The other major crops cultivated are wheat, sesam, bajara, jowar . About 71 % of land holdings are with small and marginal farmers and the average size of the holdings is 2.0 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.352906.94 lakh, of which, Crop Production sector has a major share of 38.64 % at ` 136386.27 lakh. Term loan under agriculture is assessed at ` 88288.91 lakh accounting for about 39.3 % of total agriculture. Under MSME, ` 26397.01 lakh has been assessed as potential forming 7.63% and balance at ` 101834.75 lakh has been estimated for other sectors like Exports, Education, Housing, . The activity-wise and block-wise assessment of potential is presented in Annexure I.

The PLP projection for 2016-17 is higher by Rs. 103869.45 lakh when compared to the PLP for the year 2015-16 representing an increase of 42.9%. Further, the PLP projection is higher by ` 103867.47 lakh when compared to the ACP target for the year 2015-16.

Suggested action Points in respect of major sectors and infrastructure/non-credit inputs are as under:

B. Sector-wise comments on major sectors 1. Crop Production, Maintenance and Marketing There is need to adopt of advanced technologies for the restoration of soil health, increase 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 Precision farming for Vegetables, Drip irrigation for cotton, Sprinkler irrigation for groundnut . 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. Banks may encourage marketing credit on the basis of Negotiable Warehouse Receipt issued by accredited godowns.

2. 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. Salinity ingression has affected coastal areas. There is a need to encourage change in the cropping pattern from high irrigation density crops to low irrigation density crops in the coastal belt.

3. 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. Banks may come forward to finance power tillers as it is affordable and very useful for small and marginal farmers

4. 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

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PLP 2016-17 Gir Somnath District

Agriculture may popularise suitable horticulture crops for development in cultivable wastelands and saline/alkaline areas.

5. 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.

6. 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 offer 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. Thrust areas for 2016-17: The PLP document lays emphasis on the following areas and calls for collective participation of all stakeholders in the district to firm up the credit plan and to work towards achievement of targets for the year 2016-17.  Looking to the potential and available infrastructure, two activities i.e. Land Development and Silt Application have been identified under Area Development Plan.  Critical infrastructure support in various sectors as identified in Chapter 4.  Ensuring capital formation in agriculture by financing potential sectors mainly Farm Mechanization, Rural godowns, Dairy and Food and Agro processing.  Capacity building of SHGs ( Sakhimandals ) and upscaling of SHG linkage  Effective implementation of Financial Inclusion plans including coverage of Oral Lessees, Tenant Farmers as Joint Liability Groups, .

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.

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PLP 2016-17 Gir Somnath District

Broad Sector wise PLP projections - 2016-17

(Rs. lakh) Sr.No. Particulars PLP Projections 2016-17 A Farm Credit I Crop Production, Maintenance and Marketing 136386.27 II Term Loan for agriculture and allied activities 76968.79 Sub Total 213355.06 B Agriculture Infrastructure 8705.63 C Ancillary Activities 2614.50 I Credit Potential for Agriculture (A+B+C) 224675.18 II Micro, Small and Medium Enterprises 26397.01 II Export Credit 2000.00 IV Education 10800.00 V Housing 72900.00 VI Renewable Energy 183.75 VII Others 15755.00 VIII Social Infrastructure involving bank credit 196.00 Total Priority Sector (I to VIII) 352906.94

PLP 2016-17

Crop loan Term Loan for Agriculture Agriculture Infrastructure Ancillary Activity MSME Export credit Education Housing Renewable Energy Others Social Infrastructure

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PLP 2016-17 Gir Somnath District

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

(` lakh) Sr.No. Particulars PLP Projections 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 136386.27 ii Water Resources 6924.36 iii Farm Mechanisation 7724.74 iv Plantation and Horticulture (including sericulture) 13568.85 v Forestry and Waste Land Development 151.16 vi Animal Husbandry – Dairy 1236.98 vii Animal Husbandry – Poultry 31.77 vii Animal Husbandry – Sheep, Goat, Piggery, 27.83 ix Fisheries (Marine, Inland, Brackish water) 46075.35 x Others – Bullock, Bullock cart, . 1227.75 Sub Total 213355.06 B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, Godowns, Silos, Cold storage units/ Cold storage chains) 4116.75 ii Land development, Soil conservation, Watershed development 3700.88 iii Others (Tissue culture, Agri bio-technology, Seed production, Bio pesticides/ fertilizers, Vermin composting) 888.00 Sub Total 8705.63 C Ancillary Activities i Food and Agro processing 2254.50 ii Others (Loans to Cooperative Societies of farmers for disposing of their produce, Agri Clinics/ Agri Business Centres, Loans to PACS / FSS/ LAMPS, Loans to MFIs for on lending) 360.00 Sub Total 2614.50 Total Agriculture 224675.18 II Micro, Small and Medium Enterprises

I MSME – Working capital 17257.51 II MSME – Investment credit 9139.50 Total MSME 26397.01 III Export Credit 2000.00 IV Education 10800.00 V Housing 72900.00 VI Renewable Energy 183.75 VII Others 15755.00 VIII Social Infrastructure involving bank credit 196.00 Total Priority Sector 352906.94

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PLP 2016-17 Gir Somnath District

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PLP 2016-17 Gir Somnath District

District Profile District - Gir Somnath State - Division - 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 3755 Agro-climatic Zone Gir Somnath comes under ACRF region No. 13 (7) No. of Sub Divisions nil No. of Blocks 6 Climate Dry Sub humid No. of Villages (Inhabited) 391 Medium to shallow black soil in all blocks and calcareous soil in Soil Type No. of Panchayats 332 and Sutrapada, Brackish soil in the costal region of Veraval 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 375452 Normal 2012-13 2013-14 2014-15 Forest Land 19778 Rainfall [in mm] 864 358 1132 977 Area Not Available for Cultivation & non agri 170448 Variation from Normal -506 268 113 Permanent Pasture and Grazing Land 11636 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops - Water [Ham] NA NA NA Cultivable Wasteland - 5. DISTRIBUTION OF LAND HOLDING Current Fallow Area 642 Classification of Holding Holding Other Fallow 4175 % to Total Ha. % to Total Net Sown Area 205008 <= 1 Ha 35392 35 21969 12 Total or Gross Cropped Area 287863 >1 to <=2 Ha 36234 36 52441 28 Area Cultivated More than Once 85855 >2 Ha 29442 29 114096 61 Cropping Inensity [GCA/NSA] 140.42 Total 101068 100 188506 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 150 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 72 Population 1217 620 597 865 352 Agricultural Labourers 105 Scheduled Caste 104 53 51 87 17 Workers engaged in Household Industries 6 Scheduled Tribe 10 5 5 7 3 Workers engaged in Allied Agro-activities 86 Literate 543 332 211 366 177 Other workers 145 BPL 360 183 177 264 97 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 216324 Having brick/stone/concrete houses NA Having electricity supply NA Rural Households 155020 Having source of drinking water NA Having independent toilets NA BPL Households 73550 Having access to banking services NA Having radio/tv sets NA 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 391 Anganwadis 448 Dispensaries 27 Villages having Agriculture Power Supply 391 Primary Health Centres 65 Hospitals 9 Villages having Post Offices 391 Primary Health Sub-Centres 269 Hospital Beds 58 Villages having Banking Facilities 391 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 391 Fertiliser/Seed/Pesticide Outlets [Nos] NA Agriculture Pumpsets[Nos] NA Villages having Primary Health Centres 391 Total N/P/K Consumption [MT] NA Pumpsets Energised [Nos] NA Villages having Potable Water Supply 391 Certified Seeds Supplied [MT] NA Agro Service Centres [Nos] NA Villages connected with Paved Approach Roads 391 Pesticides Consumed [MT] NA Soil Testing Centres [Nos] 2 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 13087 Plantation nurseries [Nos] NA Total Area Available for Irrigation (NIA + Fallow) 176692 Power Tillers [Nos] NA Farmers' Clubs [Nos] 64 Irrigation Potential Created 117534 Threshers/Cutters [Nos] NA Krishi Vigyan Kendras[Nos] 1

Net Irrigated Area(Total area irrigated at least once) 117534 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING

Area irrigated by Canals / Channels 5048 Rural/Urban Mandi/Haat [Nos] 55 Wholesale Market [Nos] NA Area irrigated by Wells 86322 Length of Pucca Road [Km] 1996 Godown [Nos] NA Area irrigated by TANKS 200 Length of Railway Line [Km] 119 Godown Capacity[MT] 110000 MT Area irrigated by other sources 600 Public Transport Vehicle [Nos] 37542 Cold Storage [Nos] 9 Irrigation Potential Utilized (Gross Irrigated Area) 176692 Goods Transport Vehicle [Nos] 18044 Cold Store Capacity[MT] 44000 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS No of Avg. Yield Type of Processing Activity Cap.[MT] 2013-14 2014-15 units Crop [Kg/Ha] Area (Lakh Yield(Kg/Ha Food (Ground nutFlour/Dal/Oil/Tea/Coffee) 8 NA Area (Lakh Ha) Prod. (00'MT) Prod. (00'MT) Ha) ) Sugarcane (Gur/Khandsari/Sugar) 3 NA Groundnut NA NA NA NA Fruit (Pulp/Juice/Fruit drink) 3 NA Cotton NA NA NA NA Spices (Masala Powders/Pastes) 2 NA Bajra NA NA NA NA Dry-fruit (Cashew/Almond/Raisins) - NA Wheat NA NA NA NA Cotton (Ginnining/Spinning/Weaving) 25 NA Sugarcne NA NA NA NA Milk (Chilling/Cooling/Processing) 10 NA Gram

Meat (Chicken/Motton/Pork/Dryfish) 28 NA Cumin on 15 August 2013, the separate data for both the districts not available

Animal feed (Cattle/Poultry/Fishmeal) 4 NA Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in ) 17. ANIMAL POPULATION AS PER CENSUS 2012 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 60 Animal Markets [Nos] 9 Cow - Cross bred 1927 193 1734 Disease Diagnostic Centres [Nos] NA Milk Collection Centres 85 Cow - indigenous 8057 3025 5032 Artificial Insemination Centers [Nos] 91 Fishermen Societies [Nos] 135 Buffaloes 10386 836 9550 Animal Breeding Farms [Nos] NA Fish seed farms [Nos] 7 Sheep - Cross bred 26 12 14 Animal Husbandry Tng Centres [Nos] NA Fish Markets [Nos] 5 Sheep - Indigenous 1682 369 1312 Dairy Cooperative Societies [Nos] 68 Poultry hatcheries [Nos] NA Goat 5009 1119 3890 Improved Fodder Farms [Nos] NA Slaughter houses [Nos] 3 Pig - Cross bred 0.89 0.41 0.48 19. MILK, FISH, EGG PRODUCTION ILABILITY Pig - Indigenous 3.40 1.66 1.74 Fish Production [lakh MT] 5.2 NA Horse/Donkey/Camel 87.30 47.52 39.78 Egg Production [Lakh Nos] 42 NA

Poultry - Cross bred Milk Production ['000 MT] NA 15006 - - NA Poultry - Indigenous - - - Meat Production 000 [MT] NA NA Sources (if not mentioned 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 against the respective item): 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@ (for erstwhile ); Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat.The items no 1to 7 is of bifurcated data and others are of erstwhile Junagadh dist data

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PLP 2016-17 Gir Somnath District

Banking Profile District - Gir Somnath State Gujarat Lead Bank - State Bank of India

1. NETWORK & OUTREACH (As on 31/03/2014)

No. of Branches No. of non-formal agencies assoiated Per Branch Outreach No. of Agency Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households

Commercial Banks 16 69 30 38 1 NA NA 78 5.66 NA

Regional Rural Bank 1 11 9 2 - NA NA 8 35.00 NA

District Central Coop. Bank 2 21 15 6 - NA NA - 18.61 NA

Coop. Agr. & Rural Dev. 1 4 - 4 - NA NA - 97.75 NA Bank

Primary Agr. Coop. Society - 289 289 - - NA NA - 1.35 NA

Others (Pvt sector) 3 9 1 7 1 NA NA 3 43.66 NA

All Agencies 23 403 344 57 2 NA NA 89 0.97 NA

2 Deposits outstanding (@ data for erstwhile Junagadh)

Agency No. of accounts Amount of Deposit [ Rs in 000) 31/3/2013 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) erstwhile 31-Mar-14 31-Mar-15 Growth(%) Share(%) Junagadh Commercial Banks NA NA NA NA NA 68659624 58050300 26800971 9 80.77 Regional Rural Bank NA NA NA NA NA 2698720 2165200 1303641 -8 3.93 Cooperative Banks NA NA NA NA NA 3592774 2220100 1800448 4 5.43

Others NA NA NA NA NA 4642511 5535500 3275738 6 9.87

All Agencies NA NA NA NA NA 79593629 67971100 33180798 7 100.00

3. LOANS & ADVANCES OUTSTANDING

Agency No. of accounts Amount of Loan outstanding [Rs.'000] 31/3/2013 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) erstwhile 31-Mar-14 31-Mar-15 Growth(%) Share(%) Junagadh Commercial Banks NA NA NA NA NA 28989389 26964600 11711553 4.23 68.10 Regional Rural Bank NA NA NA NA NA 1496954 1210400 625540 4.78 3.64 Cooperative Banks NA NA NA NA NA 3709272 2591400 3261575 22 18.96 Others NA NA NA NA NA 5115289 4742500 1599938 19.17 9.30

All Agencies NA NA NA NA NA 39310904 35508900 17198606 8.54 100.00

4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs)

CD Ratio During 2014-15 Cumulative Agency 31/3/2013 Agency erstwhile 31-Mar-14 31-Mar-15 Deposit Credit Deposit Credit Junagadh Commercial Banks 42 46 44 Commercial Banks NA NA 26800971 11711553

Regional Rural Bank 55 56 48 Regional Rural Bank NA NA 1303641 625540

Cooperative Banks 103 117 181 Cooperative Banks NA NA 1800448 3261575

Others 110 86 49 Others NA NA 3275738 1599938

All Agencies 41 53 52 All Agencies NA NA 33180798 17198606

6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015)

% of Total Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Loans Agency Amount % of Total Amount % of Total Loans Amount % of Total Amount % of Total Loans Amount [Rs.'000] Loans [Rs.'000] [Rs.'000] Loans [Rs.'000] [Rs.'000]

Commercial Banks 16311268 59.43 6618054 38.48 1731683 10.00 3489 0.02 1006003 5.84

Regional Rural Bank 615761 3.37 455204 2.65 308739 1.79 1167.00 1.79 133098 0.77

Cooperative Banks 2527224 19.57 2255346 13.11 98015 0.56 152970 0.88 - - Others 502972 5.89 724048 4.20 302291 1.76 - - 87417 0.51 All Agencies 19957225 88.28 10052652 58.45 24407.28 0.14 4576 0.14 1379488 8.02

7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2013-14 2014-15 2012-13 Average Ach[%] Target Ach'ment Ach'ment [Rs. Target Ach'ment [Rs. Agency Ach'ment [%] Target [Rs.'000] Ach'ment [%] Ach'ment [%] in last 3 years [Rs.'000] [Rs. '000] '000] [Rs.'000] '000]

Commercial Banks 19328000 21121141 109.28 21781537 24813433 113.92 21989663 22861681 103.97 110.56

Regional Rural Bank 1069200 1286884 120.36 1182040 1266845 107.17 920521 668282 72.60 108.53

Cooperative Banks 4918800 3364488 68.40 4203920 2356289 56.05 6253671 2356289 37.68 58.06

Others 783200 3071854 392.22 1094894 5020083 458.50 475695 2870719 603.48 98.29

All Agencies 26099200 28844367 110.52 28262391 33456650 118.38 29639550 28756971 97.02 111.90

8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Broad Sector 2012-13 erstwhile Junagadh 2013-14 2014-15 Average Ach[%] Target Ach'ment Ach'ment [Rs. Target Ach'ment [Rs. Ach'ment [%] Target [Rs.'000] Ach'ment [%] Ach'ment [%] in last 3 years [Rs.'000] [Rs. '000] '000] [Rs.'000] '000]

Crop Loan 21487200 17158200 79.85 16586700 24562400 148.08 11530151 11027714 95.64 NA Term Loan (Agr) 4612000 11686200 253.39 907900 4727900 520.75 7245986 6946429 95.86 NA Total Agri. Credit 26099200 28844400 110.52 17494600 29290300 167.42 18776137 17974143 95.72 NA Non-Farm Sector 3508800 2321600 66.17 3318700 4166400 125.54 2045103 1405027 68.70 NA Other Priority Sector 5478400 45438700 82.94 4484400 5092200 113.55 1572324 578055 36.76 NA Total Priority Sector 35086400 35709800 101.78 25867700 38548900 149.02 22393564 19957225 89.12 NA 9. RECOVERY POSITION

2012-13 erstwhile J unagadh 2013-14 2014-15 Average Rec. Agency Demand [Rs. Recovery [Rs. Demand [Rs. Recovery [Rs. Demand [Rs. Recovery [Rs. [%] in last 3 Recovery [%] Recovery [%] Recovery [%] '000] '000] '000] '000] '000] '000] years

Commercial Banks NA NA NA NA NA NA NA NA NA NA Regional Rural Bank NA NA NA NA NA NA NA NA NA NA Cooperative Banks NA NA NA NA NA NA NA NA NA NA Others NA NA NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA NA NA NA NA NA

Sources : Lead Bank returns & SLBC ( Item pertaining to 31 Mar 15 in col .no 1,3,7 8 & 9 are of new bifurcated district where as others are of erstwhile Junagadh district.

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