PLP 2016-17 Thoubal District

EXECUTIVE SUMMARY

The theme of the PLP 2016-17 is: "Accelerating the pace of capital formation in agriculture and allied sector”. Accelerating the pace of capital formation in agriculture and allied sector plays a very important role in providing agricultural growth, food security and poverty alleviation in the country. Due to rapid growth of human population, climate changes, decreasing agricultural land areas etc., there is rapid decreasing in agricultural production and productivity. So, there is an urgent need to accelerate the pace of capital formation in agriculture and allied sector.

Thoubal district lies between 23° 45’ N and 24° 45’ N latitudes and 93° 45’ E and 94° 15’ E longitudes. It is bounded on the North by Imphal East and Senapati districts and on the East by Ukhrul and Chandel districts, on the South by Chandel and Churachandpur districts and on the West by Imphal West and Bishnupur districts. The district came into being in May 1983 with its head-quarter at Thoubal. The district has 10 Assembly Constituencies, two community development blocks i.e., Thoubal and Kakching and three sub-divisions. One is at Thoubal comprising Thoubal and Lilong sub divisions and another is Kakching block comprising Kakching sub-division only. It has 10 main towns. viz, Lilong (Thoubal), Thoubal, Yairipok, Shikhong Sekmai, Wangjing, Heirok, Kakching, Wabagai, Kakching Khunou and Sugnu. Thoubal and Kakching are Municipalities.

As per 2011 Census, the population of the district is 4, 22,168. The district density comes to 821 people per sq. km. Average literacy rate of Thoubal in 2011 was 74.47% with male and female literacy at 85.00 and 64.09 respectively. The number of main cultivators is 59090 and marginal cultivators are 18241. As per Economic Survey 2012-13, Government of Manipur, the total cropped area of the district is 46120 ha and net sown area of 26270 ha with cropping intensity of 175.56 percent. Agriculture and allied activities are the main sources of livelihood of the people in the district. Mono cropping is in vogue in the district. Paddy is the major crop grown in the district. Other crops like Oil Seeds, Maize, Pulses, Sugarcane, Vegetables, Potato, Mushroom and Fruit crops such as Pineapple, Orange, Banana, Papaya, Lemon, Passion fruit etc. are also grown in the district. The district is endowed with moderate to high rainfall and fertile alluvial soils in the river basin. The prospect of agricultural expansion in the valley is almost saturated. However, with increasing use of fertilizers and modern methods of cultivation, there is good scope for increasing overall production and productivity. Shallow and marshy land also has potential for tapping in the district.

The credit flow under Annual Credit Plan of Thoubal District for last 3 years is given below: (` in lakh) Agri & allied Industries Services Non Priority Total Year Achieve- Achiev- Achiev- Achiev- Achieve- Target ment Target ment Target ment Target ment Target ment 2012-13 3200 2674.28 910 442.31 1850 1243.41 1438 3946.82 7398 8306.82 2013-14 5948.64 1321.94 679 652.89 1400.45 1212.52 4040 888.38 12068.09 4075.73 2014-15 7000.00 2830.84 794.00 2279.10 1995 1537.02 4825.00 3284.05 14614.00 9931.01 Source: SLBC Manipur

There are 13 branches of 11 commercial banks, 4 branches of Manipur Rural Bank, 2 branch of Manipur Sate Co-operative Bank, in the district as on 31.03.2015. There are 42 PACS in the district. State Bank of India is the lead bank of the district. The outstanding deposits of the district as on 31.03.2013, 31.03.2014 and 31.03.2015 were 1557408.00 lakh 1950825.00 lakh and 23818.65 lakh respectively. The credit deposit ratio (CD ratio) of the district stood at 66% as on 31.03.2015 which shows a slight decline from 71% during 2013-14. The CD Ratio of Manipur State as on 31 March 2015 is 42%.The ACP achievement for the year 2014-15 was 9931.01 lakh against the target of 14614.00 lakh which is 67.95 % of the target. Under Priority Sector, the achievement was 6646.96 lakh against the target of 9789.00 lakh which is 68 % of the target while achievement under Non Priority Sector was 3284.05 lakh against the target of 1

PLP 2016-17 Thoubal District

4825.00 lakh. Under financial inclusion plan 86 villages with population less than 2000 have been allocated to banks. The banks are following BC model to cover these villages.

Credit estimates for 2016-17

A base PLP for Thoubal district for the Five Year Period 2012-13 to 2016-17, co-terminus with XII Five Year Plan, was prepared by NABARD and the projections made in the base PLP for the year 2016-17 are reviewed and updated taking into account the revisions in costs, infrastructure development, revision of Priority Sector Lending classification norms by RBI and other relevant factors. The potentials estimated under PLP for the year 2016-17 stood at 34533.71 lakh.

The Potential Linked Credit Plan prepared by NABARD highlights the bankable potential of the various sectors of the economy. The estimated institutional credit potential for 2016-17 broad sector wise and sector wise are given below:

Broad Sector wise PLP Projections - 2016-17

The broad sector-wise projections for 2016-17 are as indicated below:

Sr. No. Particulars PLP Projections 2016-17 ( lakh) A Farm Credit i Crop Production, Maintenance and Marketing 20434.88 ii Term Loan for agriculture and allied activities 1738.31 Sub Total 22173.19 B Agriculture Infrastructure 188.05 C Ancillary activities 181.20 I Credit Potential for Agriculture (A+B+C) 22542.44 II Micro, Small and Medium Enterprises 1852.92 III Export Credit 126.00 IV Education 3375.00 V Housing 5250.00 VI Renewable Energy 107.85 VII Others 1197.00 VIII Social Infrastructure involving bank credit 82.50 Total Priority Sector (I to VIII) 34533.71

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PLP 2016-17 Thoubal District

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

The summary of Sector/Sub-sector-wise PLP projections for 2016-17 are indicated below:

Sr. No Particulars PLP Projections 2016-17 ( lakh) I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 20434.88 ii Water Resources 39.60 iii Farm Mechanisation 293.76 iv Plantation & Horticulture 128.55 v Forestry and Wasteland Development 41.77 vi Animal Husbandry-Dairy 510.00 vii Animal Husbandry-Poultry 113.90 viii Animal Husbandry-Sheep, Goat, Piggery, etc. 192.10 ix Fisheries 418.63 x Others-Bullock, Bullock cart etc. 0.00 Sub Total 1738.31 B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market 129.40 Yards, Godowns, Silos, Cold storage units/Cold storage chains) ii Land development, Soil conservation, Watershed 38.95 development iii Others (Tissue culture, Agri bio-technology, Seed 18.70 production, Bio pesticides/fertilizers, Vermi composting) Sub Total 188.05 C Ancillary activities i Food and Agro processing 181.20 ii Others (Loans to Cooperative Societies of farmers for 0.00 disposing of their produce, Agri Clinics/ Agri Business Centres, Loans to PACS/FSS/LAMPS, Loans to MFIs for on lending) Sub Total Total Agriculture 22542.44 II Micro, Small and Medium Enterprises i MSME-Working capital 376.48 ii MSME-Investment credit 1476.44 Total MSME 1852.92 III Export Credit 126.00 IV Education 3375.00 VI Housing 5250.00 VII Renewable Energy 107.85 VII Others ( Loans to SHGs/JLGs, loans to distressed persons 1197.00 to prepay non-institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) VIII Social Infrastructure involving bank credit 82.50 Total Priority Sector 34533.71

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PLP 2016-17 Thoubal District

As the scales of finance approved by DLTC for 2015-16 have been adopted for estimation of crop loan for 2016-17, the projections under crop production, maintenance and marketing for 2016-17 has been revised. Due to the revision of unit costs, revision of physical units, addition of new sectors/sub sectors because of revision of priority sector lending classification norms by RBI, considering the performance of banking sectors in the last few years, infrastructure development and other relevant factors etc. in respect of other sectors, the projections made in the base PLP for 2016-17 have been revised (details are given at Chapter No. 3).

Major constraints and suggested action points for State Govt. and banking sector that would translate PLP into a reality are as indicated below:

 Financial out reach / accessibility is one of the major problems of development of banking in the district.  Poor road connectivity and condition of the roads is a major area of concern.

Major thrust area are Fishery, Animal husbandry and Vegetable Cultivation sector which have considerable potential. JLG/SHG financing also has considerable scope with the coming up of NRLM as well as Make in Manipur Mission recently launched by Govt. of Manipur. The district is lacking in the rural infrastructure facilities like rural connectivity to markets, irrigation facilities, storage godowns, extension and training support, etc.

 There is considerable scope for improvement in basic rural infrastucture facilities like rural connectivity, development of markets, irrigation facility, storage godowns, extension services and training support etc. As the state government is having financial problem due to lack of state revenue, the government may take the advantage of Rural Infrastructure Development Fund (RIDF) managed by NABARD for developing the rural infrastructure of the district. Moreover, banks should try to cover the financially excluded areas of the district

Area Development Plan/ Scheme: In view of abundant resources and opportunities available in the district, Fishery has been identified as area development plan/ scheme where financial institutions and State Govt. should play an active role for development of these activities. The total requirement of fish far exceeds its local production. Hence, large quantities of fish are being imported from outside the State every year to fill this gap. Harnessing the vast fishery resources of the district by adopting advanced scientific techniques of fish culture can bridge this huge gap.

Successful implementation of the plan can be achieved through a well orchestrated coordinated approach with all stakeholders functioning as a team and extending necessary cooperation for exploiting the potentials estimated under the plan and more particularly in achieving the common goal of enhancing capital formation. Optimum use of authentic and accurate data generated under SAMIS will facilitate a thorough and effective review of the progress in achivements at periodic intervals in various forums like BLBC,DCC meetings etc. and initiating prompt remidial/corrective action.Effective implementation of Financial Inclusion Plans including coverage of oral lessees, tenant farmers into JLGs etc. will provide necessary catalytic effect and trigger desired pace in implementation of the plan.

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PLP 2016-17 Thoubal District

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PLP 2016-17 Thoubal District

District Profile

District : THOUBAL State : MANIPUR Division : 3 Sub-Divisions

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 514 Agro-climatic Eastern Himalaya Region-Southern hills(Zone-2) No. of Sub Divisions 3 Zone No. of Blocks 2 Climate Moderate Sub tropical No. of Villages (Inhabited) 90 Soil Type Acidic Soils No. of Panchayats 50 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 51400 Normal 2013 2014 2015 Actual Forest Land (Reserve + Unclassed Forest) 560 Rainfall [in mm] 1426 1577 1253 1665 Area Not Available for Cultivation 2110 Variation from Normal 151 173 239 Permanent Pasture and Grazing Land 310 Availability of Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 2640 Ground Water NA NA NA Cultivable Wasteland 180 5. DISTRIBUTION OF LAND HOLDING Current Fallow NA Holding Area Classification of Holding % to % to Other Fallow NA Nos. Ha. Total Total Net Sown Area 22900 <= 1 Ha 15752 48 6760 20 Total or Gross Cropped Area 34367 >1 to <=2 Ha 11266 35 13195 38 Area Cultivated More than Once 11690 >2 Ha 5606 17 14437 42 Cropping Inensity [GCA/NSA] 150 Total 32624 100 34392 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] 2011 Cultivators 69 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 19 Population 422 211 211 271 151 Agricultural Labourers 37 Scheduled Caste 40 20 20 4 36 Workers engaged in Household Industries 20 Scheduled Tribe 2 1 1 1 1 Workers engaged in Allied Agro-activities NA Literate 270 153 117 164 104 Other workers 53 BPL 18 NA NA NA NA 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households (2011 Census) 86 Having brick/stone/concrete houses 6 Having electricity supply 50 Rural Households (2011 Census) 55 Having source of drinking water 11 Having independent toilets 79 BPL Households (Based on FCS, Govt. of Manipur) 2009-10 17 Having access to banking services 16 Having radio/tv sets 51 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 87 Anganwadis 637 Dispensaries NA Villages having Agriculture Power Supply NA Primary Health Centres 16 Hospitals 1 Villages having Post Offices 106 Primary Health Sub-Centres 58 Hospital Beds NA Villages having Banking Facilities NA 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools NA Fertiliser/Seed/Pesticide Outlets [Nos] NA Agriculture Pumpsets[Nos] 494 Villages having Primary Health Centres 9 Total N/P/K Consumption [MT] NA Pumpsets Energised [Nos] 855 Villages having Potable Water Supply NA Certified Seeds Supplied [MT] NA Agro Service Centres [Nos] NA Villages connected with Paved Approach Roads 123 Pesticides Consumed [MT] NA Soil Testing Centres [Nos] NA 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 341 Plantation nurseries [Nos] NA Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] 215 Farmers' Clubs [Nos] 2 Irrigation Potential Created Threshers/Cutters [Nos] NA Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 2030 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 2030 Rural/Urban Mandi/Haat [Nos] NA Wholesale Market [Nos] NA Area irrigated by Wells NA Length of Pucca Road [Km] 250 Godown [Nos] NA Area irrigated by Tanks NA Length of Railway Line [Km] NIL Godown Capacity[MT] NA Area irrigated by Other Sources NA Public Transport Vehicle [Nos] 236 Cold Storage [Nos] NA Irrigation Potential Utilized (Gross Irrigated Area) NA Goods Transport Vehicle [Nos] 749 Cold Store Capacity[MT] NA 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Cap.[MT Type of Processing Activity No of units 2013-14 2014-15 Avg. ] Crop Yield Area Food (Rice/Flour/Dal/Oil/Tea/Coffee) 50 NA Area (Ha) Prod. (MT) Prod. (MT) [MT/ha] (Ha) Sugarcane (Gur/Khandsari/Sugar) N/A NA Rice 30.68 85.00 30.68 85.00 2.72 Fruit (Pulp/Juice/Fruit drink) N/A NA Maize 2.10 4.60 2.10 4.60 2.91 Spices (Masala Powders/Pastes) N/A NA Potatoes 2.30 19.75 2.30 19.75 8.59 Dry-fruit (Cashew/Almond/Raisins) N/A NA Pulses 4.29 4.05 4.29 4.05 0.94 Cotton (Ginnining/Spinning/Weaving) 50 NA Sugarcane 1.46 86.01 1.46 86.01 58.91 Milk (Chilling/Cooling/Processing) N/A NA Pineapple 2530.00 25174.00 2530.00 25174.00 Meat (Chicken/Motton/Pork/Dryfish) N/A NA Chillies 1350.00 10652.00 1350.00 10652.00 Animal feed (Cattle/Poultry/Fishmeal) N/A NA Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India)

17. ANIMAL POPULATION AS PER LIVESTOCK CENSUS 2012 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES

Category of Total Male Female Veterinary Hospitals/Dispensaries [Nos] Animal Markets [Nos] NA animal 24 Cattle - Cross 13293 NA NA Disease Diagnostic Centres [Nos] NA Milk Collection Centres [Nos] 1 breed Cattle - Indigenous 11578 NA NA Artificial Insemination Centers [Nos] 29 Fishermen Societies [Nos] NA Buffaloes 1886 NA NA Animal Breeding Farms [Nos] 2 Fish seed farms [Nos] NA Sheep - Cross 93 NA NA Animal Husbandry Tng Centres [Nos] NA Fish Markets [Nos] NA bred Sheep - 1016 NA NA Dairy Cooperative Societies [Nos] NA Poultry hatcheries [Nos] 2 Indigenous Goat 9782 NA NA Improved Fodder Farms [Nos] 2 Slaughter houses [Nos] NA Pig - Cross bred 43388 NA NA 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 6187 NA NA Fish Production [MT] 6475 Per cap avail. [gm/day] NA Horses/Ponies 209 NA NA Egg Production [Lakh Nos] NA Per cap avail. [nos/p.a.] NA Poultry - Fowl 403935 NA NA Milk Production ['000 MT] NA Per cap avail. [gm/day] NA Poultry - Duck 195560 NA NA Meat Production [MT] NA Per cap avail. [gm/day] NA

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 No. 8 - BPL Sources (if not Survey 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - Dept. of Agriculture & Horticulture, Govt. of Manipur, ; Item No. 17 - AH Census 2012; Item mentioned against Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat. the respective item):

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PLP 2016-17 Thoubal District

Banking Profile District : THOUBAL State : MANIPUR Lead Bank : STATE BANK OF INDIA 1. NETWORK & OUTREACH (As on 31/03/2015) No. of No. of Branches No. of non-formal agencies assoiated Per Branch Outreach Agency Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households Commercial Banks 12 12 4 8 0 NA 3270 9 NA NA Regional Rural Bank 1 4 3 1 NA 1640 4 NA NA District Central Coop. NILL NA NA NA NA NA Coop. Agr. & Rural Dev. NILL NA NA NA NA NA Primary Agr. Coop. 42 NA NA NA NA NA Others(MSCB Ltd) 1 2 0 2 NA 411 0 0 0 All Agencies 56 18 7 11 0 NA 5321 13 NA NA 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs. Lakh] 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 135562 135562 140398 3.57% 55.97% 1557408 1950825 2078448 6.54% 87.26% Regional Rural Bank 51696 51696 90013 74.12% 35.88% 123821 171729 231541 34.83% 9.72% Cooperative Banks 42460 42460 20440 -51.86% 8.15% 79077 155235 71876 -53.70% 3.02% Others NA NA NA NA NA NA NA NA NA NA All Agencies 229718 229718 250851 9.20% 100.00% 1760306.00 2277789.00 2381865.00 4.57% 100.00% 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs. Lakh] 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 7613 10556 8615 -18.39% 63.82% 1185330 1244973 1275472 2.45% 81.26% Regional Rural Bank 1832 2704 2836 4.88% 21.01% 80327 103484 124798 20.60% 7.95% Cooperative Banks 2598 2101 2048 -2.52% 15.17% 197832 183415 169407 -7.64% 10.79% Others NA NA All Agencies 12043 15361 13499 -12.12% 100.00% 1463489 1531872 1569677 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During 2014-15 Cumulative Agency Agency 31-Mar-12 31-Mar-14 31-Mar-15 Deposit Credit Deposit Credit Commercial Banks 76.1091506 63.8177694 61.36 Commercial Banks Regional Rural Bank 64.8734867 60.2600609 53.89 Regional Rural Bank Cooperative Banks 250.17641 118.153123 235.69 Cooperative Banks Others NA NA Others All Agencies 83.1383294 67.2525857 65.901 All Agencies 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Agency Amount % of Total Amount [Rs. % of Total Amount [Rs. % of Total Amount [Rs. % of Total Amount [Rs. % of Total [Rs.Lakh] Loans Lakh] Loans Lakh] Loans Lakh] Loans Lakh] Loans Commercial Banks 894871 70.1599878 501500 39.3187777 140864 11.0440684 136561 10.7067031 Regional Rural Bank 115605 92.6336961 41599 33.3330662 132288 106.001699 85324 68.3696854 Cooperative Banks 161719 95.4618168 99898 58.969228 71 0.0419109 0 0 Others All Agencies 1172195 74.6774655 642997 40.9636505 273223 17.4063199 221885 14.1357107 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Agency Target [Rs. Ach'ment Ach'ment Target [Rs. Ach'ment Ach'ment Target [Rs. Ach'ment Ach'ment Ach[%] in Lakh] [Rs. Lakh] [%] Lakh] [Rs. Lakh] [%] Lakh] [Rs. Lakh] [%] last 3 years Commercial Banks 466000 395434 84.8570815 1067709 335112 31.3860799 868400 934250 72 132 Regional Rural Bank 40000 36682 91.705 84888 69970 82.4262558 62600 56680 60 173 Cooperative Banks 90000 3884 4.31555556 54212 2491 4.59492363 47900 2171 3 9 Others NA NA NA NA NA NA All Agencies 596000 436000 73.1543624 1206809 407573 33.7727843 978900 993101 68 126 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Broad Sector Target [Rs. Ach'ment Ach'ment Target [Rs. Ach'ment Ach'ment Target [Rs. Ach'ment Ach'ment Ach[%] in Lakh] [Rs. Lakh] [%] Lakh] [Rs. Lakh] [%] Lakh] [Rs. Lakh] [%] last 3 years Crop Loan 139500 173573 124.42509 366678 49140 13.401404 421500 46419 1.10128114 56 Term Loan (Agr) 180500 93855 51.9972299 228186 83054 36.3975003 278500 215535 7.73913824 61 Total Agri. Credit 320000 267428 83.57125 594864 132194 22.2225584 700000 261954 3.7422 54 Non-Farm Sector 91000 44231 48.6054945 67900 65289 96.1546392 141000 309617 21.9586525 134 Other Priority Sector 185000 124341 67.2113514 140045 121252 86.5807419 137900 93125 6.75308194 116 Total Priority Sector 596000 436000 73.1543624 802809 318735 39.7024697 978900 664696 6.79023394 71 9. RECOVERY POSITION 2012-13 2013-14 2014-15 Average Agency Demand Recovery Recovery Demand Recovery Recovery Demand Recovery Recovery Rec. [%] in [Rs. Lakh] [Rs. Lakh] [%] [Rs. Lakh] [Rs. Lakh] [%] [Rs. Lakh] [Rs. Lakh] [%] last 3 years Commercial Banks 164320 90663 55.1746592 137191 47152 34.3696015 209075 69852 3.34100203 56 Regional Rural Bank 39112 30043 76.8127429 31731 19423 61.2114336 55785 37641 67 154 Cooperative Banks 162741 6046 3.7151056 160081 2174 1.35806248 168022 20615 12 15 Others NA NA NA All Agencies 366173 126752 34.6153321 329003 68749 20.896162 432882 128108 2.95942081 35

Sources : Lead Bank & SLBC.

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