PLP 2016-17 District EXECUTIVE SUMMARY

District profile The present district of Peren was covered under erstwhile combined District before 2004 with a geographical area of 3114 sq.km.and a population density of 101 persons per sq.km. Three out of seven rural development blocks have been brought under the administrative control of , viz., Tenning, and Peren, each headed by a Block Development Officer (BDO). During 2012-13, Athibung block was created out of the existing 3 rural development blocks. At present, there are 4 rural development blocks in the district. The topography of the district is hilly except for the Jalukie valley (under Peren district), which is considered the rice bowl of the state. The administrative machinery under the Deputy Commissioner (DC) functions from Peren town. The BDOs play a significant role in the development of the rural areas under their respective blocks and execution of Centrally Sponsored Schemes. Besides, there are the Village Development Boards and Village Councils at the village level with the responsibility for settlement of disputes in accordance with the customary laws and procedures laid down in the Village and Area Council Act 1978.

Economy The district’s economy is based primarily on agriculture and the practice of jhum cultivation is still prevalent along with terraced cultivation in some of the hilly tracts. Agriculture and allied activities are the principal means of livelihood for vast majority of the population residing in the rural areas. Agriculture is mainly rainfed. Rice is the major food crop of the district and occupies 50% of the gross cultivated area. Other major crops grown in the district are maize, soybean, chilly, pineapple, banana and vegetables. Agriculture is mainly rainfed.

PLP of Peren District - an overview The PLP of Peren district is a comprehensive assessment of potentials available in various sectors of the district’s economy, the credit requirements for exploiting the potentials, available infrastructure as well as credit absorption capacity of the financing institutions. It also covers the non-credit inputs required and aspects that require the attention of the Government and other agencies involved in the development process. The estimated institutional credit potential of Peren district works out to Rs.3731.19 lakh for the year 2016-17 of which credit potential for Agriculture (including Agriculture Infrastructure and Ancillary activities) is Rs.2411.90 lakh. The potentials are assessed as per the latest Scale of Finance (SOF) and Unit Cost (UC). Thus, a suitable upward revision has been made in the Base PLP projections for the year 2016-17. Credit potential for Micro, Small and Medium Enterprises has been projected at Rs.290.00 lakh, Education at Rs.232.00 lakh, Housing at Rs. 580.00 lakh, Renewable Energy at Rs.36.29 lakh, Others at Rs.70.00 lakh, Social Infrastructures at Rs.111.00 lakh. The detailed potentials are also segregated Block wise and given in Annexure-I.

Thrust areas for development. On the basis of the assessments made under the farm sector and non farm sector, the thrust areas that have been identified for development are highlighted below.

Farm Sector  Water Resources schemes to be encouraged to exploit surface water potential for increasing production and productivity.

01 PLP 2016-17 Peren District  Land development activities to be given due importance. Institutional credit support tobe extended to this sector.  Plantation and horticulture to be a thrust area for development with emphasis on development of fruit crops. Cluster approach would be best suited for development of this sector  Rearing of cross-bred cows to be intensified as there are available green fodder in the district which offers scope for development of dairy sector.  For the purpose of piggery development, emphasis should be given to establish units to augment breeding stock and upgradation of existing stock through cross breeding programmes.  Goatery rearing units should be established in the district which have immense potential in the district as a means of income generation activity of the farmers.  Agro-processing activities to be encouraged considering the availability of plantation and horticulture crops.  The banks should accelerate the pace of issue of Kisan Credit Card (KCC) and extend credit facilities in a flexible and hassle free manner.

Non-Farm Sector  Increased institutional credit for rural development and employment generation purposes.  The strategy for promotion of Self-help Groups (SHGs) and Joint Liability Groups (JLGs) to be adopted by the banks to reach the un-reached for empowering rural poor.  More importance to be given for organizing Rural Entrepreneurship Development Programme (REDP), vocational trainings and skill upgradation.

Broad Sector-wise PLP Projections for the year 2016-17 Name of the district: Peren State: Nagaland (Rs. in lakh) Sr. Particulars PLP Projections 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 857.07 ii Term Loan for agriculture and allied activities 1240.35 Sub Total 2097.42 B Agriculture Infrastructure 114.08 C Ancillary activities 200.40 I Credit Potential for Agriculture (A+B+C) (64.11) 2411.90 II Micro, Small and Medium Enterprises (9.20) 290.00 III Export Credit 0.00 IV Education (6.29) 232.00 V Housing (15.73) 580.00 VI Renewable Energy (0.86) 36.29 VII Others (0.81) 70.00 VIII Social Infrastructure involving bank credit (3.00) 111.00 Total Priority Sector (I to VIII) 3731.19

02 PLP 2016-17 Peren District

03 PLP 2016-17 Peren District Summary of Sector/Sub-sectorwise PLP Projections for the year 2016-17 (Rs. in Lakh) Sr. No. Particulars PLP Projections 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 857.07 ii Water Resources 20.26 iii Farm Mechanisation 94.71 iv Plantation and Horticulture (including sericulture) 227.17 v Forestry and Waste Land Development 16.61 vi Animal Husbandry – Dairy 54.36 vii Animal Husbandry – Poultry 41.08 viii Animal Husbandry – Sheep, Goat, Piggery, etc. 768.96 ix Fisheries (Marine, Inland, Brackish water) 17.20 Sub Total 2097.42 B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, 78.75 Godowns, Silos, Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed development 31.56 iii Others (Tissue culture, Agri bio-technology, Seed production, Bio 3.77 pesticides/ fertilizers, Vermin composting) Sub Total 114.08 C Ancillary activities i Food and Agro processing 170.40 ii Others - Loans to MFIs for onlending to agriculture 30.00 Sub Total 200.40 Total Agriculture 2411.90 II Micro, Small and Medium Enterprises i MSME – Working capital 95.00 ii MSME – Investment credit 195.00 Total MSME 290.00 III Export Credit 0.00 IV Education 232.00 V Housing 580.00 VI Renewable Energy 36.29 VII Others – Loans to SHGs and JLGs 70.00 VIII Social Infrastructure involving bank credit 111.00 Total Priority Secor 3731.19

04 PLP 2016-17 Peren District PLP 2016-17 Peren District

10 05 PLP 2016-17 Peren District DISTRICT PROFILE

Peren District came into existence on February 2004 with Headquarters at Peren located between 25°60 & 27°40 North latitude and 93°20 & 95°15 East Longitude. Before, that it was a part of the . 3(three) out of the 7(seven) Rural Development (RD) Block namely, Peren, Jalukie and Tenning have been brought under the Administrative control of Peren District. Athibung block was bifurcated out of the existing 3 blocks during 2012-13 taking the total number of RD blocks in the district to 4. There are 79 villages under the District with a population of 94954 as per census of 2011. The topography of the District is hilly except the Jalukie Valley, which is considered the rice bowl of the State. Passion fruit is suitable for growing in Jalukie area and the locals have taken up its cultivation. The climate of the district is bracing and healthy. Summer temperature ranges from 7 to 23 degree Celsius. The average rainfall ranges from 200 to 280 cms. The economy is based primarily on agriculture and the practice of Jhuming is still prevalent in some of the hilly tracts despite the government encouraging more people to abandon the practice. Terrace cultivation and wet paddy cultivation is in practice in the valley areas. Agriculture is the principal means of livelihood for the vast majority of the rural population. The major crops grown in the district are paddy and vegetables. The main horticulture crops are orange, pineapple, passion fruit and banana. Inadequacy of basic infrastructure like regular power supply, roads and transport system, proper marketing / storage facilities have been creating bottlenecks in the economic development of the district’s rural economy. The Deputy Commissioner is the Administrative Head of the District. The District is divided into 4(four) blocks, these blocks are looked after by the Block Development Officer. The BDO, play a significant role in the development of the rural areas and help to implement various Centrally Sponsored Schemes. The VDBs and the Village Councils are the main grass-root level planner for the Administrration. They also play a vital role in executing the Judiciary powers for settlement of dispute in accordance with the Customary Laws and Procedure laid down in the Nagaland Village and Area Council Act. 1978. The Major central programmes, which aim at poverty alleviation, and employment generation under implementation in the distrit of Peren are as follows: PMEGP SJSRY North East Rural Livelihood Programme

JALUKIE BLOCK : Jalukie Block has 18 villages with a total population of 23820 as per 2011 census. The climate is hot and humid during summer. Agriculture is the backbone of the economy and is the main source of employement for the tribal inhabitants. Rice is the staple food of the people and hence paddy is the major crop. Jalukie Valley has a huge potential for development of agriculture and horticulture products that will find ready market in and Kohima.

PEREN BLOCK : Peren Block has 14 villages with 2294 households and a total population of 9745 as per 2011 census. The villages under the Peren R.D. Block are serviced by SBI, Peren Branch and SBI, Jalukie Branch for meeting the credit requirement of the villagers.

TENNING BLOCK : Tenning block has 23 villages with 35371 households and a total population of 14626 as per 2011 census. Tenning block is the most remote in the district located on the extreme southern corner of Nagaland bordering . The entire block is hilly with poor transport and communication connectivity.

ATHIBUNG BLOCK : Athibung Block was carved out of Jalukie Block. The block has 26 villages with a population of 13103. It is one of the most difficult blocks in terms of road connectivity with many villages cut off during the rainy reason. 06 PLP 2016-17 Peren District District Profile Nagaland Peren 1. GENERAL FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 2300 Agro-climatic Zone Eastern Himalaya Region - North East Hills (Zone 2) No. of Sub Divisions 2 No. of Blocks/Talukas/Mandals 3 Climate Per humid to humid No. of Villages Inhabited 112 Soil Type Red sandy, Laterite No. of Villages Electrified 86 No. of Villages With Pucca Roads na Normal Rainfall [mm] 2000 Villages With Potable Drinking Water 11 Last Year Year before Last Year 2 Years before Last Year Actual Rainfall [mm] All Weather Road (Km) na Rail Network [Km] nil 3. DEMOGRAPHIC PROFILE 4. WORKERS PROFILE [in '000] Total Population [in '000] 95 Total Literacy [%] 79 Cultivators 108 Male Population [in '000] 50 Literate Males [%] 84 Of the above, Small/Marginal Farmers 87 Female Population [in '000] 45 Literate Females [%] 74 Agricultural Labourers 6 Rural Population [in '000] 80 Total Households [Nos.] Artisans / Household/Cottage Inds na Urban Population [in '000] 15 Rural Households [Nos.] Engaged in Allied Agro-activities 2 SC Population [in '000] na BPL Households [Nos.] Others na ST Population [in '000] na BPL Population [in '000] na 5. IRRIGATION COVERAGE [HA] 2003-04 6. LAND UTILISATION [HA] 2003-04 Canals / Channels na Total Area 178600 Area Not Suitable for Cultivation 6696 Wells / Tubewells na Net Sown Area 36781 Pasture Land na Tanks 1442 Forest Land 101115 Other Land 6739 Other Sources na Fallow Land 21466 Area Under HYV Seeds na Net Irrigated Area 4382 7. DISTRIBUTION OF LAND HOLDING Gross Irrigated Area 6358 Holdings Area Classification of Holding Cropping Intensity na Nos. % to Total Ha. % to Total 8. AGRI-INPUTS <= 1 Ha 1312 6% 684 1% Total N/P/K Consumption [MT] na >1 to <=2 Ha 3392 16% 3910 4% No. of Agriculture Tractors[Nos.] na >2 Ha 16532 78% 87765 95% Agriculture Pumpsets[Nos.] na Total 21236 100% 92359 100% Agro-engines/Threshers/Cutters[Nos.] na 9. ANIMAL POPULATION [in '000] 10. MILK, FISH, EGG PRODUCTION Plough Animals na Sheep 1 Fish Production [MT] 397 Cows 16 Goat 5 Egg Production [Lakh Nos] na Buffaloes 7 Poultry 178 Milk Production ['000 MT] na 11. AREA, PRODUCTION & AVERAGE YIELD OF MAJOR CROPS 12. INFRASTRUCTURE RELATED TO AGRICULTURE & ALLIED 2009-10 2010-11 Avg. Yield Crop ACTIVITIES Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha]

No. of Wholesale Markets 1 1 Rice 11180 16540 11250 24930 1849

No. of Rural/Urban Mandis nil 2 Maize 3010 3110 3100 6040 1498

No. of Godowns na 3 Soyabean 1030 1050 1030 1200 1092

Total Godown Capacity [MT] na 4 Potato 70 580 140 1790 11286

No. of Cold Storages na 5 Rapeseed & Mustard 5250 4060 2390 2400 846

Total Cold Storage Capacity [MT] na 6 Millets na na na na na

No. of Fertiliser/Seed/Pesticide Outlets na 7 Wheat 200 240 320 570 1558

No. of Plantation/Horticulture-nurseries na 8 Tur 220 150 150 120 730

No. of Milk Chilling Plants na 9

Total Chilling Capacity [LPD] na 10 Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in ) No. of Veterinary Hospitals/Dispensaries 3 7

No. of Artificial Insemination Centers na 7 13. LOANS DISBURSED UNDER PRIORITY SECTOR [Rs.Lakh]

No. of Fish seed farms/hatcheires na 7 Sector 2011-12 2012-13 2013-14 2014-15

No. of Poultry hatcheries na 1 Crop Loan na na 396.41 149.73

No. of Krishi Vigyan Kendras na 2 Term Loan (Agr) na na 115.83 4.04

No. of Farmers' Clubs na 3 Total Agri. Credit 430.00 148.48 512.24 153.97

No. of Self-Help Groups 150 4 Non-Farm Sector 64.00 342.54 282.13 4.30

No. of Primary Agr. Coop. Societies 151 5 Other Priority Sector 16.00 99.41 92.27 398.77

No. of Primary Weavers Coop. Societies 18 6 Total Priority Sector 510.00 590.43 886.64 557.04 14. BANKING NETWORK, DEPOSITS & ADVANCES (As on 31/03/2015) Loans Disbursed (including Loans Outstanding (including Total Deposits Outstanding No. of Total No. of Of which Rural under NPS) under NPS) Financial Agencies Banks Branches & Semi-urban No. of Amount [Rs. No. of Amount [Rs. No. of Amount [Rs. Accounts Lakh] Accounts Lakh] Accounts Lakh]

1 Commercial Banks 1 3 3 na 5483 na 6013 3761 2246

2 State Cooperative Banks 1 1 1 na 1206 na 1335 190 100.82

3 District Central Coop. Banks nil nil nil na na na na na na

4 Regional Rural Banks nil nil nil Sources : 1, 3, 4, 7, 8, 9, 12 & 13 - PLP & other sources [Websites of Govt Dept.(Central/State), District Websites, Census of India, Francis Kanoi Compilation, etc.] 2, 10 & 14 - PLP & Francis Kanoi Compilation of Agriculture in India 5, 6 & 11 - Directorate of Economics and Statistics, MoA, GoI. Note : Blank cells, if any, indicate data not available

07 PLP 2016-17 Peren District Banking Profile District - PEREN State - NAGALAND Lead Bank - State Bank of India 1. NETWORK & OUTREACH (As on 31/03/2015) No. of No. of Branches No. of non-formal agencies associated Per Branch Outreach Agency Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households Commercial Banks 1 3 3 0 0 na na 56 6738 Regional Rural Bank 0 0 0 0 0 0 na na na na 0 0 0 0 0 0 na na District Central Coop. Bank na na 0 0 0 0 0 0 Coop. Agr. & Rural Dev. Bank na na na na 0 0 0 0 0 0 na na Primary Agr. Coop. Society na na Nagaland SCB 1 1 1 0 0 na na 111 13475 All Agencies 2 4 4 0 0 na na 37 4492 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 na na na na na 3899.53 5231.00 5483.00 12.82 81.97 Regional Rural Bank na na na na na 0 0 0 Cooperative Banks na na na na na 550.85 832.15 1206.00 93.56 18.03 Other agencies na na na na na 0 0 0 All Agencies na na na na na 4450.38 6063.15 6689.00 22.00 100.00 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 na na na na na 2907.01 5508.00 6013.00 15.56 81.87 Regional Rural Bank na na na na na 0 0 0 Cooperative Banks na na na na na 213.51 734.52 1335.00 402.71 18.18 Other agencies na na na na na 0 0 0 All Agencies na na na na na 3120.52 6242.52 7345.00 34.34 100.04 4. CD-RATIO 5. PERFORMANCE UNDER FIN 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 Banks 107.07 105.29 105.81 Commercial Banks 679 (No fills a/c) na 0 0 Regional Rural Bank 0 0 0 Regional Rural Bank na na 0 0 Cooperative Banks 42.62 88.26 110.70 Cooperative Banks 678 (No fills a/c) na 10.36 0 Other agencies 0 0 0 Other agencies na na 0 0 All Agencies 74.84 96.77 108.25 All Agencies na na 10.36 0 6. PERFORMANCE TO FULFILL NATIONAL GOALS - loans outstanding 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 % of Total Amount % of Total Amount % of Total Amount % of Total [Rs.'lakh] Loans [Rs.'lakh] Loans [Rs.'lakh] Loans [Rs.'lakh] Loans [Rs.'lakh] Loans Commercial Banks 3377.99 46.05 2109.72 62.46 13.50 0.40 na na 14.50 0.43 Regional Rural Bank na na na na na na na na na na Cooperative Banks na na na na na na na na Other agencies na na na na na na na na na na All Agencies 3377.99 46.05 2109.72 62.46 13.50 0.40 na na 14.50 0.43 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2010-11 2013-14 2014-15 Average Agency Target Ach'ment Target Ach'ment Target Ach'ment Ach'ment Ach[%] in Ach'ment [%] Ach'ment [%] [Rs.'lakh] [Rs. 'lakh] [Rs.'lakh] [Rs. 'lakh] [Rs.'lakh] [Rs. 'lakh] [%] last 3 years Commercial Banks 518.00 460.00 88.80 1950.00 460.00 23.59 2525.00 452.41 17.92 27.49 Regional Rural Bank Cooperative Banks 144.00 50.02 34.74 250.00 50.02 20.01 395.00 108.67 27.51 26.45 Other agencies All Agencies 662.00 510.02 77.04 2200.00 544.88 24.77 2920.00 561.08 19.22 27.95 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Broad Sector Target Ach'ment Target Ach'ment Target Ach'ment Ach'ment Ach[%] in Ach'ment [%] Ach'ment [%] [Rs.'lakh] [Rs. 'lakh] [Rs.'lakh] [Rs. 'lakh] [Rs.'lakh] [Rs. 'lakh] [%] last 3 years Crop Loan Term Loan (Agr) Total Agri. Credit 250.00 115.00 46.00 315.00 430.02 136.51 1125.00 153.97 13.69 41.36 Non-Farm Sector 80.00 52.00 65.00 150.00 64.00 42.67 520.00 4.30 0.83 16.04 Other Priority Sector 180.00 16.00 8.89 197.00 16.00 8.12 675.00 398.77 59.08 40.95 Total Priority Sector 510.00 183.00 35.88 662.00 510.02 77.04 2320.00 557.04 24.01 35.80 9. RECOVERY POSITION 2009-10 2010-11 2011-12 Average Agency Demand Recovery Demand Recovery Demand [Rs. Recovery Recovery Rec. [%] in Recovery [%] Recovery [%] [Rs. 'lakh] [Rs. 'lakh] [Rs. 'lakh] [Rs. 'lakh] 'lakh] [Rs. 'lakh] [%] last 3 years Commercial Banks 80.20 34.80 43.39 na na na 646 79 12.23 na Regional Rural Bank Cooperative Banks 21.00 18.06 86.00 na na na na na na na Other agencies All Agencies 101.20 52.86 52.23 na na na na na na na Sources : Lead Bank & SLBC

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