PLP 2016-17 District

EXECUTIVE SUMMARY

“Accelerating the pace of capital formation in agriculture and allied sector”.

Serchhip district is one of the eight districts of and it is situated in the middle of the State of Mizoram. With an area of 1421.60 sq. kms, the district comprises two Blocks and 35 inhabited villages. The district is bounded on the north and northwest by district, on the west and south by district and on the east by district. The district shares an international border with Myanmar in its southeastern side. The district is about 112 km from the State capital. The district is mostly a hilly terrain with two main rivers flowing viz. Tuichang and Mat. Area upto slope 35 is only 389.86 sq. km with water body of only 4.55 sq. km. Area under forest is 91235 Ha, net sown area 18497 Ha and gross irrigated area is 2054 Ha. Rain fall per year varies from 1500mm to 2400mm. Temperature varies from 32C in Summer and 9C in the Winter. The population of the district is 64937 as per the 2011 census of which 32851 were males and 32086 were females. The rural population is 50.69%. The district is thinly populated with 46 persons per square km, which is much below the State average of 52 persons per square km. The district has a literacy rate of 97.91%. The demographic profile of the district is characterized by its predominantly agrarian nature with a majority of the population living in rural areas. Agriculture is the main occupation of the people in the district. The agro-climatic conditions with fertile soil and abundant rainfall is favorable for horticulture crops viz., banana, pineapple, passion fruit, hatkora, orange and vegetables viz., cabbage, cauliflower, tomato, etc. Major Crop production, which is paddy, in the district takes place during Kharif season. There are Jhum cultivation on the hills and WRC on the bank of the Mat River. In Rabi season Mustard, Cabbage, Radish, Carrot, Tomato, Potato, Pulses are grown. There are teak plantations in the district also. Piggery, Dairy and poultry are the major allied activities. The district has three branches of SBI, seven branches of MRB and one branch of MCAB. Under priority sector, the Ground Level Credit flow during 2012-13, 2013-14 and 2014-15 was Rs.2191.48 lakh against target of Rs.2905.55 lakh (75.42%), Rs.1100.83 lakh against target of Rs.1685.00 lakh (65.33%) and Rs.2005.12 lakh against target of Rs.1405 (142.71) respectively. The average achievement percentage for the last three years was 94.49%. The CD ratio of the district as on 31 March 2015 was 56.76% which is below the prescribed norms of 60%. Investment in agriculture is generally undertaken for acquiring physical assets that result in the creation of a stream of incremental income over a period of time. Capital formation through investment in agriculture helps in improving the stock of equipment, tools and productivity of resources employed, which, in turn, enables the farmers to use their resources, particularly land and labor, more productively. Creation of capital goods, thus, is necessary for raising productivity of existing resources and realizing the long-term growth potential. Therefore, the relationship between capital formation and thus agricultural growth and consequently poverty alleviation are very well documented. The Potential Linked Credit Plan for the year 2016-17 has been prepared keeping in view the projections made in the base PLP prepared for a five year period and updated with reference to the changes that have taken place in the various infrastructure facilities, demand for credit, priorities of the government for development of the different sub-sectors and reckoning the changes in the unit cost/scale of finance necessitating significant revision for specific sectors. Some of the major features are highlighted below:

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PLP 2016-17 Serchhip District Sector wise comments Crop Production: Agriculture and allied activities form the backbone of the economy of the district. Taking into account the favorable policies of the State government towards promotion of SRI, RKVY, NPDP etc. and continuation of programme such as NLUP, NADP, NFSM,NHM, PLP potential for credit flow during 2016-17 has been projected at Rs.1648.19 lakh. The thrust of the bankers should be to cover all the eligible and willing farmers through credit under KCC. Water Resources: With only 8.5% net sown area under irrigation, there is good scope for finance under various rain water harvesting structures by adopting joint/group farming methods. Credit flow of Rs. 15.13 lakh is projected for 2016-17. Energisation of pump-sets is pre-requisite for satisfactory performance in the irrigation sector. Therefore, all villages need to be electrified. Farm Mechanisation: Being a hilly district, power Tillers are the appropriate FM devices in the district. In view of the small average holdings in the district, there is less demand for tractors in the district. Potential of Rs.37.32 lakh is projected for 2016-17. Plantation & Horticulture including Sericulture: With Serchhip District being including under National Horticulture Mission, there is ample scope for developing plantation and horticulture in the district. An assessment of Rs.216.90 lakh for the year 2016-17 has been made. There is a need to link the developmental components under NLUP and also under the centrally sponsored schemes with credit components under ACP. Forestry and Waste land Development: Large area of degraded and wasteland of the district can be used for afforestation. Suitable plantation may be taken through bank finance. The assessment has been made at Rs.6.51 lakh for the year 2016-17. AH–Dairy: Dairy sector has immense importance in the State of Mizoram. It not only provides supplementary employment and income to the farmers, but also helps in reducing the gap between demand and supply of milk in the district as well as in the State. There is Dairy Society in the district which is supplying milk to MULCO State milk and milk produces cooperative. PLP projection for Dairy is Rs.331.43 lakh, bank should explore financing this sector under subsidy linked scheme of GOI. AH–Poultry: Poultry sector has great importance in the State of Mizoram. It provides supplementary employment and income to the farmers and helps in reducing the gap between demand and supply of egg and meat in the district as well as in the State. There are two district Hatcheries of the capacity of 700 each and a Layer unit of 50 birds. PLP projection for Poultry is Rs.54.06 lakh. AH–Sheep/Goat/ Piggery: Every household takes to piggery in back yard for self consumption. There is Pig Farmers’ Society in the district of 97 members. There are 20 small units of Mithun. Goatery has also scope in the district. PLP projection for S/G/P is Rs.276.77 lakh. Insurance linkage in AH Sector is to be busted. Fisheries Development: There is scope for limited development of fisheries in the district. PLP projections have been made at Rs.38.46 lakh for 2016-17. Water bodies created by the Government under different schemes may be used for development of fisheries and it can also be leased out to good SHGs/JLGs. In areas where WRC is adopted, fish cum paddy can be explored. Others: There is a limited scope for financing of bullock, horse or pony which is used by Jhum cultivators to carry their produces. The projections have been made at Rs.6.89 lakh for 2016-17. Thus total Farm credit projection for the year 2016-17 is Rs.2631.63 lakh. B. Agriculture Infrastructure Storage/ Godown/ market yard, Poly House and Shade net House: There is not much scope in the district for big units under the sector through bank loan. The projections have been made at Rs.50.04 lakh for 2016-17. Land Development: To create more area of permanent/settled farming, terracing of slopes (25% & 33% slopes) are the main activities under land development. Credit projection is Rs.8.19 [2]

PLP 2016-17 Serchhip District lakh for the year 2016-17. Considering the vast potential in rain-fed / dry-land farming / watershed management, the involvement of credit in the watershed programmes of DPAP and IWDP needs to be explored by the banks. Other Agriculture Infrastructure: To cater seed consumption, Bio fertilizer and Pests for the farmer’s soil testing equipments, Seed Production Units, Vermi compost units and other Bio fertilizer and Bio Pest units are to be established. Credit projection is Rs.63.78 lakh for the year 2016-17. Thus total Agriculture Infrastructure projection stands at Rs.122.01 Lakh. C. Ancillary Activities Food and Agro Processing: A projection of Rs.48.12 lakh is made for 2016-17. This sector can be developed with intervention of the Govt. like strengthening backward & forward linkages and uninterrupted electricity supply. Others: Projection on ACABC finance is made for Rs.8.00 lakh for the year 2016-17. This sector can be developed with awareness campaign. Thus total projection for Ancillary activities is Rs.56.12 lakh and total agriculture finance is Rs.2809.75 lakh. II. Micro, Small and Medium Enterprises Manufacturing Sector-Term Loan: To provide gainful employment opportunities in the rural population who are mostly dependant on agricultural incomes, it is necessary to support smaller ventures in NFS. An amount of Rs.296.16 lakh is projected for the year 2016-17. Service Sector – Term Loan: To provide opportunities to the Doctors, Retail Trade/small Business and Small Transport Operators etc. bank loans are to be provided to the rural sector also. An amount of Rs.898.91 lakh is projected for the year 2016-17. Thus total MSME Sector is projected at Rs.1195.08 lakh for the year 2016-17. Export Credit: There is very good demand for Orange, Pineapple and Ginger from outside the countries like Bangladesh and Myanmar. An amount of Rs.40.00 lakh is projected for 2016-17. Education: There are Engineering, Medical and Veterinary students who requires bank Loans for meeting expenses of their studies inland and abroad. For meeting such expenditures, an amount of Rs.70.00 lakh is projected for 2016-17. Housing: Housing is one of the basic needs of mankind. Rural housing is also one of the main thrust areas of intervention by the Central and State Govt. The sector is very popular and a lot of scope is there. An amount of Rs.283.52 lakh is projected for 2016-17. Renewable Sources of Energy & Waste utilization: There is scope for development under Jawaharlal Nehru National Solar Mission (JNNSM). Keeping this in view, an amount of Rs.19.89 lakh is projected for 2016-17. Others: The sector covers the Government Sponsored Programmes like SHGs, PMEGP, PMJDY etc. An amount of Rs.519.76 lakh is projected for 2016-17. Social Infrastructure: The sector covers Soil testing Lab, Private Schools, Private hospitals/Nursing Homes, Private coaching Centres, Computer coaching Institutions, Anganwadi etc. An amount of Rs.61.31 lakh is projected for 2016-17. Credit Estimates for 2016-17 in Priority Sector : A base PLP for Serchhip 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 and other relevant factors. As per the realizable potentials estimated under PLP, the exploitable potential worked out to Rs.4999.31 lakh for the year 2016-17. It shall be the endeavor of all the financial institutions, line departments, developmental agencies, NGOs, etc. to ensure adequate credit flow commensurate with the potentials identified in this document. The Potential Linked Credit Plan prepared by NABARD for Serchhip District highlights the bankable potential of the various sectors of the economy. The estimated institutional credit potential for 2016-17 in broad sector wise and sector wise is given below: [3]

PLP 2016-17 Serchhip District Broad Sector-Wise PLP Projections –2016-17 (Rs.Lakh) PLP Projections Sr. No. Particulars 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 1648.19 ii Term Loan for agriculture and allied activities 983.44 Sub Total 2631.63 B Agriculture Infrastructure 122.01 C Ancillary activities 56.12 I Credit Potential for Agriculture (A+B+C) 2809.75 II Micro, Small and Medium Enterprises 1195.08 III Export Credit 40.00 IV Education 70.00 V Housing 283.52 VI Renewable Energy 19.89 VII Others 519.76 VIII Social Infrastructure involving Bank Credit 61.31 Total Priority Sector (I to VIII) 4999.31

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PLP 2016-17 Serchhip District Summary of Sector / Sub-sector wise PLP projections - 2016-17 (Rs.lakh) Sr. Particulars PLP Projections No. 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 1648.19 ii Water Resources 15.13 iii Farm Mechanisation 37.31 iv Plantation and Horticulture (including sericulture) 216.90 v Forestry and Waste Land Development 6.51 vi Animal Husbandry – Dairy 331.42 vii Animal Husbandry – Poultry 54.06 viii Animal Husbandry – Sheep, Goat, Piggery, etc. 276.77 ix Fisheries (Marine, Inland, Brackish water) 38.45 x Others – Bullock, Bullock cart, etc. 6.89 Sub Total 2631.63 B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, 50.04 Godowns, Silos, Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed 8.19 development iii Others (Tissue culture, Agri bio-technology, Seed production, 63.78 Bio pesticides/ fertilizers, Vermin composting) Sub Total 122.01 C Ancillary activities i Food and Agro processing 48.12 ii Others (Loans to Cooperative Societies of farmers for 8.00 disposing of their produce, Agri Clinics/ Agri Business Centres, Loans to PACS / FSS/ LAMPS, Loans to MFIs for on lending) Sub Total 56.12 Total Agriculture (A+B+C) 2809.75 II Micro, Small and Medium Enterprises i MSME – Investment Credit 296.16 ii MSME – Working Capital 898.92 Total MSME 1195.08 III Export Credit 40.00 IV Education 70.00 V Housing 283.52 VI Renewable Energy 19.89 VII Others (Loans to SHGs/ JLGs, loans to distressed persons 519.76 to prepay non-institutional lenders, PMJDY, loans to State sponsored organisations for SC/ST) VIII Social Infrastructure involving Bank Credit 61.31 Total Priority Sector (I to VIII) 4999.31

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PLP 2016-17 Serchhip District

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PLP 2016-17 Serchhip District

District Profile District - SERCHHIP State - MIZORAM Division - -

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 1421.60 Agro-climatic Zone Sub-Tropical No. of Sub Divisions 2 No. of Blocks 2 Climate Tempered No. of Villages (Inhabited) 35 Soil Type Fertile No. of Panchayats/Village Councils 44 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 142160 Normal 2011 2012 2013 Actual Forest Land 91235 Rainfall [in mm] 2502 1953.2 2163.0 3377.7 Area Not Available for Cultivation 9821 Variation from Normal -549 -339 876 Permanent Pasture and Grazing Land 350 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 2819 Water [Ham] NA NA NA Cultivable Wasteland 480 5. DISTRIBUTION OF LAND HOLDING Current Fallow 6821 Holding Area Classification of Holding Other Fallow 13550 Nos. % to Total Ha. % to Total Net Sown Area 18497 <= 1 Ha 4130 44.67 2540.70 28.40 Total or Gross Cropped Area 18687 >1 to <=2 Ha 2041 22.07 2567.10 28.70 Area Cultivated More than Once 190 >2 Ha 1261 13.64 3836.90 42.90 Cropping Inensity [GCA/NSA] 101% Total 7432 80 8945 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 21.80 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers NA Population 64.937 32.851 32.086 32.918 32.019 Agricultural Labourers 1.28 Scheduled Caste 0.032 0.020 0.012 NA NA Workers engaged in Household Industries 0.926 Scheduled Tribe 62.89 31.381 31.508 NA NA Workers engaged in Allied Agro-activities NA Literate 54.48 27.598 26.878 27.094 27.382 Other workers 8.38 BPL NA NA NA NA NA 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 12.620 Having brick/stone/concrete houses NA Having electricity 32 Rural Households NA Having source of drinking water 3 Havingsupply independent NA BPL Households 1 Having access to banking services NA Havingtoilets radio/tv sets NA 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 35 Anganwadis 152 Dispensaries NA Villages having Agriculture Power Supply NA Primary Health Centres 5 Hospitals 1 Villages having Post Offices NA Primary Health Sub-Centres 27 Hospital Beds 60 Villages having Banking Facilities NA 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools NA Fertiliser/Seed/Pesticide Outlets [Nos] NA Agriculture NA Villages having Primary Health Centres NA Total N/P/K Consumption [MT] 400.8 PumpsetsPumpsets[Nos] Energised NA Villages having Potable Water Supply 79 Certified Seeds Supplied [MT] NA Agro[Nos] Service Centres NA Villages connected with Paved Approach Roads NA Pesticides Consumed [MT] NA Soil[Nos] Testing Centres NA 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] NA Plantation[Nos] nurseries NA Total Area Available for Irrigation (NIA + Fallow) 21012 Power Tillers [Nos] NA Farmers'[Nos] Clubs [Nos] NA Irrigation Potential Created NA Threshers/Cutters [Nos] NA Krishi Vigyan 1 Kendras[Nos] Net Irrigated Area(Total area irrigated at least once) 2054 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING

Area irrigated by Canals / Channels 3 Rural/Urban Mandi/Haat [Nos] NA Wholesale Market [Nos] NA Area irrigated by Wells NA Length of Pucca Road [Km] 116 Godown/Warehouse[N 15 Area irrigated by Tanks NA Length of Railway Line [Km] NIL Godownos] Capacity[MT] 3850 Area irrigated by Other Sources NA Public Transport Vehicle [Nos] NA Cold Storage [Nos] NA Irrigation Potential Utilized (Gross Irrigated Area) 2054 Goods Transport Vehicle [Nos] NA Cold Store NA 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OFCapacity[MT] MAJOR CROPS No of Type of Processing Activity Cap.[MT] 2012-13 2013-14 units Avg. Yield Crop [Kg/Ha] Food (Rice/Flour/Dal/Oil/Tea/Coffee) NA NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT)

Sugarcane (Gur/Khandsari/Sugar) NA NA Rice/Paddy 4062 6635 4154 6930 1668 Fruit (Pulp/Juice/Fruit drink) 1 NA Maize 1656 1242 1520 1139 749 Spices (Masala Powders/Pastes) NA NA Pulses 577 494 597 591 990 Dry-fruit (Cashew/Almond/Raisins) NA NA Oilseeds 318 472 393 521 1326 Cotton (Ginnining/Spinning/Weaving) NA NA Sugarcane 376 34 400 40 100 Milk (Chilling/Cooling/Processing) NA NA Potato 0 0 0 0 0 Meat (Chicken/Motton/Pork/Dryfish) NA NA Animal feed (Cattle/Poultry/Fishmeal) NA 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 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES '000] Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 4 Animal Markets [Nos] NA Cattle - Cross bred 0.748 NA NA Disease Diagnostic Centres [Nos] 7 Milk Collection Centres NA Cattle - Indigenous 1.626 NA NA Artificial Insemination Centers [Nos] 6 Fishermen[Nos] Societies NA Buffaloes 0.609 NA NA Animal Breeding Farms [Nos] 5 Fish[Nos] seed farms [Nos] NA Mithun 0 NA NA Animal Husbandry Tng Centres [Nos] NA Fish Markets [Nos] NA Sheep NA NA NA Dairy Cooperative Societies [Nos] NA Poultry hatcheries [Nos] 1 Goat 0.467 NA NA Improved Fodder Farms [Nos] 1 Slaughter houses [Nos] 1 Pig - Cross bred 11.761 NA NA 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 0.030 NA NA Fish Production [qtls] 307.00 Per cap avail. [gm/day] 6 Horse/Donkey/Camel 0.071 NA NA Egg Production [Lakh Nos] 32.15 Per cap avail. [nos/p.a.] 31 Poultry - Cross bred 43.78 NA NA Milk Production ['000 MT] 514.96 Per cap avail. [gm/day] 33 Poultry - Indigenous 52.90 NA NA Meat Production [MT] 735.24 Per cap avail. [gm/day] 23

Sources (if not mentioned against 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 the respective item): Resources; Item No. 8 - BPL Survey 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DAC; Item No. 17 - AH Census 2012; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat. Agriculture Statistical Abstract 2013-14, Statistical Abstract of Mizoram:2013 [7]

PLP 2016-17 Serchhip District

Banking Profile

District : SERCHHIP State : MIZORAM 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 1 2 - - - - 12 4380 Regional Rural Bank 1 7 5 2 - - - - 5 1877 State Central Coop. Bank 1 1 - 1 - - - - 35 13140 Coop. Agr. & Rural Dev. Bank ------Primary Agr. Coop. Society ------Others ------All Agencies 3 11 6 5 - NA 210 NA 3 1195 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [` .'000] 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 - - 507780 493900 547500 10.85 38.70 Regional Rural Bank NA NA NA - - 535829 666291 700252 5.10 49.50 Cooperative Banks NA NA NA - - 172778 152325 166829 9.52 11.79 Others NA NA NA - - 0 - All Agencies NA NA NA - - 1216387 1312516 1414581 7.78 100.00 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [` .'000] 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 224491 202000 209100 -10.01 26.04 Regional Rural Bank NA NA NA NA NA 363926 451185 511860 23.97 63.75 Cooperative Banks NA NA NA NA NA 80038 88476 81988 10.54 10.21 Others NA NA NA NA NA 0 - All Agencies NA NA NA NA NA 668455 741661 802948 38.44 100.00 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 Banks 44.21 40.89 38.19 Commercial Banks NA NA NA NA Regional Rural Bank 67.92 67.72 73.09 Regional Rural Bank NA NA NA NA Cooperative Banks 46.32 58.08 49.14 Cooperative Banks NA NA NA NA Others Others NA NA NA NA All Agencies 54.95 56.5 56.76 All Agencies NA NA NA NA 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 % of Total Amount % of Total Amount % of Total Amount % of Total [` .'000] Loans [` .'000] Loans [` .'000] Loans [` .'000] Loans [` .'000] Loans Commercial Banks 31794 61.0 12199 23.4 25435 48.8 4603 8.8 NA NA Regional Rural Bank 151138 84.3 70388 39.3 120910 67.5 22680 12.7 NA NA Cooperative Banks 17580 56.6 8750 28.2 14064 45.3 3290 10.6 NA NA Others 0 0.0 0 0.0 0 0.0 0 0 NA NA All Agencies 200512 76.4 91337 34.8 160410 61.1 30573 11.7 NA NA 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'ment Ach[%] in [` .'000] '000] [%] [` .'000] '000] [%] [` .'000] '000] [%] last 3 years Commercial Banks 103678 32751 31.59 45500 21264 46.7 27500 31794 115.6 NA Regional Rural Bank 150651 164109 108.93 107000 58619 54.8 74000 151138 204.2 NA Cooperative Banks 36226 22288 61.52 16000 30200 188.8 39000 17580 45.1 NA Others ------0 0 - All Agencies 290555 219148 75.42 168500 110083 65.33 140500 200512 142.7 94.49 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'ment Ach[%] in [` .'000] '000] [%] [` .'000] '000] [%] [` .'000] '000] [%] last 3 years Crop Loan 63060 87020 138.00 36000 20790 57.75 27000 27277 101.03 98.92 Term Loan (Agr) 170505 21513 12.62 63500 2300 3.62 3000 64060 2135.33 717.19 Total Agri. Credit 233565 108533 46.47 99500 23090 23.21 30000 91337 304.46 124.71 Non-Farm Sector 10001 19766 197.64 12000 27520 229.33 35500 30573 86.12 171.03 Other Priority Sector 46989 90849 193.34 57000 59473 104.34 75000 78602 104.80 134.16 Total Priority Sector 290555 219148 75.42 168500 110083 65.33 140500 200512 142.71 94.49 9. RECOVERY POSITION

2012-13 2013-14 2014-15 Average Rec. Agency Demand [` . Recovery Demand [` . Recovery Demand [` . Recovery [%] in last 3 Recovery [%] Recovery [%] Recovery [%] '000] [` . '000] '000] [` . '000] '000] [` . '000] years Commercial Banks NA NA NA NA NA NA 134403 123198 91.7 NA Regional Rural Bank NA NA NA NA NA NA 511860 481936 94.2 NA Cooperative Banks NA NA NA NA NA NA 63264 58778 92.9 NA Others NA NA NA NA NA NA 0 0 NA All Agencies NA NA NA NA NA NA 709527 663912 93.6 NA

Sources : Lead Bank & SLBC

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