PLP – 2016-17 District

EXECUTIVE SUMMARY I About District

Jhajjar district with a geographical area of 1834 Sq. Km. (1911 Sq. Km. according to village papers) is situated in the Middle Eastern part of the State. It is surrounded by and Sonepat districts in the North, and districts in the South, national capital in the East and district in the West. It comprises of 3 tehsils, 1 sub-tehsil, 5 blocks, 5 towns and 247 inhabited villages/ towns. Agro-climatically, falls under sub-humid and semi-arid zone. The economy is purely agrarian and is supported by other economic activities like dairying, horticulture, service, trade and business. The district (except block) has been identified as an industrially backward. According to 2011 census, the population of the district is 9.58 lakh with a population density of 523 persons per KM. The Sex ratio is alarmingly low at 862 females per thousand males. District is in a better position with respect to roads, education, electricity and water availability and lagging behind in respect of irrigation, transportation, marketing facilities, etc. than the State Infrastructure Average Index. Out of the total 73203 landholdings, 50072 landholdings are with that of small and marginal farmers (68.4% of the total) who own up to 2 hectares of land. However, the land holding area of these farmers aggregate to 36516 hectares which constitutes 23.9% of the total land holding area of the district.

Total geographical area of Jhajjar district is 1,91,000 hectares. The total cultivable area is 1,69,000 hectares. Net cropped area during 2014-15 was 1,60,000 hectares, whereas gross cropped area is 2,43,250 hectares. The net irrigated area of the district was 1,09,000 hectares which was 68% of net cropped area. The gross irrigated area was 1,95,028 hectares which was 80% of gross cropped area. The cropping intensity of the district is 152%. The district has a network of 166 Bank branches and 23 PACS. PLP Preparation: NABARD in the year 2012-13 had prepared Base PLP for five years coterminous with the XII Five year plan-(2012-17). The Base PLP projected a five year credit potential under priority sector covering Primary, Secondary and Tertiary sectors, with emphasis on the Primary sector. These projections were based on parameters such as technical feasibility, availability of infrastructure, availability of exploitable resources, cropping pattern, agriculture practices and other developmental indices such as access to markets, etc. Some of these parameters may have undergone a change in the district since the finalization of Base PLP on account of factors such as changes in Government’s priorities and policies, strengthening of rural infrastructure, market forces, cost escalation, etc., necessitating a relook at the credit potential for the year 2015-16. The District Profile also gives information related to the district, both demographic as well related to Agriculture sector. It also describes the major crop grown and various aspects linked to it. The main theme of this year’s PLP is ‘Accelerating the pace of capital formation in agriculture and allied sector’ and keeping that in mind the PLP has made Term Loan in Agriculture as thrust area this year. Flow of Ground Level Credit (GLC) The ground level credit flow (priority sector) during last 3 years is exhibited below:

(` in lakh) Sector Year 2012-13 2013-14 2014-15 Agriculture Sector 99447.40 113589.76 133556.53 MSME Sector 18793.19 20173.73 54440.33 Other Priority 19897.86 46837.48 35489.58 Sector i

PLP – 2016-17 Jhajjar District

Total Priority Sector 138138.45 180600.97 223486.44 Percentage increase 2.22% 30.8% 23.74% over previous year The share of crop loan in total agriculture during last six years was 93.6%, 91.1% and 87.2% respectively. In sharp contrast, the share of term credit in total agriculture has shrunk over the years though it shoed marginal increase. This is primarily on account of financing for Kisan Credit Card (KCC) which caters to other/ allied credit needs of farmers besides meeting cost of cultivation of different crops. KCC scheme due to large publicity, suitability to farmers and comfortability to banks has set the total agriculture credit growing. PLP 2016-17 - Projection of Sector-wise Potentials Based on various factors like long-term potential, availability and identified gaps in infrastructure, marketing support, State/Central Govt. policies, credit flow trends during recent years, credit absorption capacity and other strengths and weaknesses of the credit delivery systems, a plan of Rs. 339972 lakh has been prepared. Major components are Crop Loans (Rs.165478 lakh), Allied Agriculture (Rs.74437 lakh), MSME Sector (Rs. 55337 lakh) and Other Priority Sector (Rs.44720 lakh). The projections as compared to the projections in base PLP 2012-17 have been revised keeping in view the current infrastructure and other requirements at the field level. Accordingly reasons have been mentioned in the respective chapters. The PLP also indicates the projections with regard to formation of 300 and credit linkage of at least 300 SHGs and 15 more Kisan clubs. In Jhajjar district, a total of 1,55,403 KCCs were issued upto 31 March 2015. It is essential on the part of all banks to make sincere efforts for issuing fresh KCCs to cover all the cultivators (1,77,377) by the end of 2016-17. The Block wise Potential takes into account the existing cultivation area, credit flow trends, potential available, possibility of grounding new schemes, etc. while at the same time endeavoring to have a balanced credit flow for all regions within the district. Other contents and Issues The PLP has endeavoured to address the areas for diversification in all sectors and needs to be noted down by the banks. The Mission for Integrated Development of Horticulture (MIDH) subsidies on offer are referred to in the document. The Micro Finance Sector states the need to credit link at least 300 SHGs in 2016-17. The growth rate of linkages has been slow and the NRLM and NGOs need to work with Banks aggressively. The section on Non-Renewable energy may be perused for obtaining an insight into the priorities of the government and the possible sub sectors which can be financed. The Central Government Priority for SMEs and Housing and Education has been factored in assessing the potential for Non Farm Sector/ Other Priority Sector. The Chapter on Agro Processing/ Food Processing Sector has been included under SME chapter. The Animal Husbandry Section in Chapter-3.1.6 incorporates the credit flow which can be tapped through the Dairy Entrepreneurship Development Scheme(DEDS) and other schemes. Term Loans to Agriculture need to be stepped up by banks so as to facilitate asset creation in the agriculture sector. Centre Govt. through its Budget has also emphasized on extending loaning to this sector. Farm Mechanisation section requires a perusal to understand the need to move beyond tractor financing to other farm equipments. The PLP briefly addresses issues of Infrastructure especially Marketing Infrastructure sector. PLP also provides details regarding all the important Government sponsored programmes with a review of the same. Critical analysis has been attempted to review the performance of the financial institutions. Role of informal credit delivery system has also been assessed. The details regarding various policy initiatives by Government of , Reserve Bank of India, National Bank for Agriculture and Rural Development (NABARD) & for over all development, have been consolidated at Chapter I. The details of initiatives taken under SHG- Bank Linkage Programme are explained in Chapter XI.

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PLP – 2016-17 Jhajjar District

II. A new approach to PLP has been made by focusing on one activity which give thrust to the sector in which there is lot of scope and potential and thus PLP focuses this year on Dairy in Chapter 6 under Area Based Scheme. Model scheme to develop this sector is being proposed. Some innovative banking products like Rupay KCC, Financial Inclusion measures have been mentioned in PLP. The PLP also focuses on formation of atleast 100 JLGs this year by giving fillip to oral lessees, landless farmers and other tenant farmers. It also focuses on Wet and Dry storage financing, Post Harvest infrastructure, Producers Organisations and other commercial agriculture activities in the district.

III. Every Chapter briefly describes the Critical infrastructure which needs to be supported by the State Govt. and it has a bearing on the credit potentials assessed in this PLP. Govt. needs to support Cold chain infrastructure, rural godowns and other value chain interventions wherever necessary.

IV. District Coordinators of banks need to guide entrepreneurs as also Line departments for sectors such as Horticulture, Fisheries, Animal Husbandry, Market Yards/Rural Godowns, etc. Reporting in ‘Agriculture Others’ under LBR needs to be realistic by banks while Crop Loans or the relevant sub sector in term loans needs to be reported accurately. The Banks need to focus upon the Micro Finance Sector for scaling up NFS as also to double credit flow to SMEs by the end of 12th Plan. The DIC may facilitate growth in NFS by sponsoring more cases of Industry. Banks may also encourage such prospective entrepreneurs. The Branch Heads need to overcome attitudinal barriers for general SHG financing – specially the need to finance both Consumption and Income Generating activities in a flexible manner. The Farmers Clubs movement is confined to a few Banks only. The Clubs need to be regular in their meetings and activities also. The clubs have also been envisaged as Business Facilitators. Banks may form clubs in the light of increasing business through these clubs. Branch Heads may guide the Clubs accordingly and ensure proper functioning and regular reporting to uphold the objectives of these clubs. The SAMIS has stabilized in the district but incorrect/untimely reporting distorts the credit flow analysis and needs corrective measures. Banks also need to create a real time database for General SHGs, Swarozgar Credit Cards, General Credit Cards, Artisan Credit Cards, Weavers’ Credit Cards and Kisan Credit Cards with on time reporting to the LDM. Information from Banks and NGOs for general SHGs also requires qualitative improvement. This would also give quality to the discussions during BLBC and DCC meetings. The PLP has identified few thrust areas which are; Dairy (including Sheep, Goat, Piggery), Horticulture, Land Development, Rural Godowns, Food & Agro Processing and Fisheries. Apart from these formations of JLGs and SHGs should be encouraged. These activities backed by various subsidies available, would not only help the farmer in increasing his income but also to the bankers in financing to activities which would ensure assured return. However, for this Bankers need to be proactive by educating the rural farmer about these schemes. The Government departments need to actively coordinate between farmers and the Bankers. They may also take help of Farmers Clubs wherever established.

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PLP – 2016-17 Jhajjar District

BROAD SECTOR-WISE PLP PROJECTIONS - 2016-17 –

(` lakh) % of Total S.No. Sector PLP Projection Projection Projection A Farm Credit Crop Production, Maintenance and i 165478 48.67 Marketing (Crop Loan) Term Investment for Agriculture and ii 54890 16.15 Allied Activities (Agri. Term Loan)

Total (i+ii) 220368 64.82 B Agriculture Infrastructure 18142

C Ancillary Activities 1405

Credit Potential For Agriculture I 239915 70.57 (A+B+C) Micro, Small and Medium II 55337 16.28 Enterprises III Export Credit 1519 0.45 IV Education 8250 2.43 V Housing 16605 4.88 VI Reneawble Energy 530 0.16 VII Others 15308 4.50 Social Infrastrcuture involving VIII 2508 0.74 Bank Credit

Total Priority Sector (I to VIII) 339972 100.00

Others Crop Production, Maintenance and Housing 5% 5% Marketing (Crop Loan) Education Social Infrastrcuture Term Investment for Agriculture and 3% involving Bank Allied Activities (Agri. Term Loan) Credit Micro, Small and Medium Enterprises 1%

Reneawble Energy Export Credit 0% Crop Production, Education Micro, Small and Maintenance and Medium Enterprises Marketing (Crop Loan) 17% Housing 52%

Reneawble Energy

Export Credit Term Investment for Others 0% SUMMARY OF SECTOR-WISE PLP PROJECTIONS - 2016-17 Agriculture and Allied Activities District SocialJhajjar Infrastrcuture involving Bank (Agri. Term Loan) Credit 17% iv

PLP – 2016-17 Jhajjar District

S.No. PARTICULAR Projection

I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 165478 ii Water Resources 3730 iii Farm Mechanisation 13111 iv Plantation and Horticulture 2542 v Forestry and Waste Land Development 1272 vi Animal Husbandry – Dairy Development 8699 vii Animal Husbandry – Poultry Development 6729 Animal Husbandry – Sheep, Goat and Piggery viii 607 Development ix Fisheries Development 1123 x Other - Bullock, Bullock cart etc 17077 SUB TOTAL 220368 B Agriculture Infrastructure i Storage Facilities 8881 Land Development, Soil Conservation, Wasteland ii 5820 Development Other - Tissue culture, Agri bio-technology, Bio iii 3441 pesticides/fertilizer, vermin composting SUB TOTAL 18142 C Ancillary Activities i Food and Agro Processing 1180 Other -Loans to Coop Societies, Agri Clinic/Agri ii Business Centres, Loans to PACS/LAMPS/MFI 225 SUB TOTAL 1405 TOTAL AGRICULTURE 239915 II Micro, Small and Medium Enterprises i MSME - Investment Credit 43308 ii MSME - Working Capital 12029 TOTAL MSME 55337 III Export Credit 1519 IV Education 8250 V Housing 16605 VI Renewable Energy 530 VII Other - Loans to SHG, JLG, PMJDY etc 15308 VIII Social Infrastructure involving Bank Credit 2508

TOTAL PRIORITY SECTOR 339972

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PLP – 2016-17 Jhajjar District

DISTRICT PROFILE (a) Predominant economic activities of the district

Predominant economic activities in the district are agriculture and dairy. The murrah breed of buffalo of this district is famous world-wide. The district also possesses 38 medium/ large industries, 1640 other small and working registered industrial units. Except Bahadurgarh, there are only a few industries in other 4 blocks. (b) Major food / commercial and plantation / horticulture crops

Wheat, Jawar, Bajra, Mustard, paddy and sugarcane are main crops. Ber, guava, citrus fruits and vegetables are main horticultural crops. Mushroom and strawberry are also cultivated in a small area.

(c) Profile of one Major Commodity of the District:

Wheat is the major commodity produced in the district. A total of 4.40 lakh MT of wheat was produced from 98400 ha in the district during the year 2013-14. Productivity was 4513 Kg/Ha. The most popular variety of seed used is PBW-343. Other varieties used include, WH-711, PBW-502, DBW-17, WH-542, WH-283, HD- 2329, UP-2338, Raj-3765 etc. Sowing season varies from 01 November to 15 December, depending on early or late variety adopted. The number of irrigations given to the crop varies between 5 and 6 times. The Seed rate is 100 Kg/Ha while 125 Kg/Ha under late sown conditions. The seed replacement rate in the district during the year 2013-14 was about 50%. The total chemical fertilizer consumption during 2012-13 was 25269 for NPK combined. In addition to this 68 tons of pesticides was consumed. Also as per the live stock census 2007, a total of 7564 animal operated agriculture implements were used by farmers amongst these the major ones are wooden/steel plough, cultivator, disc harrow, animal cart etc. Agriculture Department, headed by a Deputy Director, provides technical guidance and holds periodic demonstration camps on use of new technology, besides cultivation and post harvest management techniques under RKVY. The Agriculture Department also handles extension work. The common pests and diseases afflicting the crop and the treatment measures recommended by the Department of Agriculture, Haryana, are as follows:

Pests Treatment

(i) Termites Seed treatment with Chlorpyriphos 20 EC @ 60 ml or Ethion 50 EC @ 200 ml per 40 kg of seed

(ii) Aphids Spray Malathion 50 EC @ 400 ml in 250 litres of water per acre

Diseases Treatment

Sow resistant varieties like WH-157, WH-283, WH-542 and (i) Yellow Rust DBW-17

(ii) Black Rust Not recorded

(i) Adopt solar treatment of seed during May – June or (iii) Loose Smut Treat seed with Vitavax or Bavistin @ 2gm or Tabuconazole(Raxil-2DS)@ 1gm per Kg of seed (ii) Rouging and burning of affected plants

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PLP – 2016-17 Jhajjar District

(i) Treat seed with Vitavax or Bavistin @ 2gm or Tabuconazole(Raxil-2DS)@ 1gm per Kg of seed (iv) Leaf Smut (ii) Rouging and burning of affected plants (iii)sow resistant varieties like WH-283 and WH-896

(i) Treat seed with Tabuconazole(Raxil-2DS)@ 1gm per Kg (v) Bunt of seed+ Thiran @2 gm per Kg of seed. (ii) Varieties like WH–283, WH-542, Raj-3765 and WH- 896 are less susceptible.

Spray Zineb or Mancozeb @ 800 gm per acre at an interval (vi) Black point of 10 to 15 days. Apart from this KVK Jhajjar also provides training to farmers and Rural youth on Farm activities and trades related to Mushroom, Bee Keeping and self employment generating activities. (d) Other factors affecting the district rural economy and development of various sectors, viz., flood, drought, pest attack, hailstorms, etc. Hot summer, cool winter and meager rainfall are the main climatic characteristics of Jhajjar district. The tendency of less rainfall continuously for 4-5 years put the district in severe drought situation. A slightly good rainfall causes flood situation. The area is uneven especially in two blocks and Sahlawas and also suffers from inundation and water logging during monsoon season. (e) Special/Additional/Other Features of the District relevant to credit estimates:

Jhajjar district has maximum concentration of industries in leather, agro-processing and other heavy industry in Bahadurgarh. The district being adjacent to Delhi the National capital holds lot of importance as one major KMP express highway would be passing through the district and is expected to augur industrial progress around it. AIIMS would be started functioning from new campus in Badli falling under Jhajjar district in near future. The leather park has been established by HSIIDC at Bahadurgarh where many units have come up. There are about 51 Export oriented units in Bahadurgarh. Substantial marketable surplus of wheat, paddy, sugarcane, vegetables, and fruit is available in the district for development of Agro and Food Processing industry.

(f) Panchayati Raj Institutions(PRIs) Introduced in 1959 as a three-tier structure of local self-government at the village, block and district level, the Panchayat Raj Institutions attained constitutional status with the Constitution (73rd Amendment) Act, 1992. Pursuant thereto, the Government of Haryana enacted the Panchayati Raj Act 1994 giving the Panchayats at all the three levels, powers and authority to function as institutions of self-governance, including preparation of plans for economic development, social justice, and implementation of schemes with regard to all 29 matters listed in the 11th Schedule of the Constitution. Main source of income for Gram Panchayat is the lease money of Shamlat land and village ponds given on yearly lease. Income is utilized on development works of the village. (i) Development Schemes under Implementation through PRIs in Jhajjar District. Various Government Schemes aimed at improved water supply and sanitation, pavement of streets, deepening of wells, tree plantation etc., are being implemented in the district.

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PLP – 2016-17 Jhajjar District

(ii) Effectiveness of PRIs in Jhajjar district:  The Secretaries and other executives of the institutions have played very important role in formation and nurturing of Self Help Groups at the village level.  The Panchayats have played as catalysts in promoting institutional credit at grass root level. Further, the PRIs have been working in tandem with SHGs at the village level for integrated development and poverty alleviation programmes.  Panchayats have been actively involved in Govt. sponsored schemes like Nirmal Gram Scheme, Total Sanitation Campaign, tree plantation, supply of potable water etc.  During the year 2011-12, 5 Gram Panchayats were awarded for the district level Niram Gram Puraskar under 100% sanitation programme. (iii) Specific Action Plan  PRIs in the district may be involved in Village Development Plan, Rainwater Harvesting, Quality input supply to farmers, SHG promotion & credit linkage and market outlet for rural non farm products. The funds placed at the disposal of PRIs, under various schemes, can be utilized for developmental purposes.  There is a need to provide computers having internet facilities to all the Gram Panchayats with skilled manpower.

(g) Economic Indicators At current prices,  The Gross State Domestic Product (GSDP) of Haryana during 2013-14 stood at Rs. 388916.63 crore( quick estimates).  Per capital Income of Haryana State stood at Rs. 133427 (Advance Estimates)  Estimates of Gross Fixed Capital Formation in Haryana (at current prices on basis of quick) in Agriculture stood at Rs. 8357 cr, Forestry at Rs. 94.55 cr, manufacturing at Rs.22036 cr, trade at Rs. 538 cr, construction at Rs. 1461 cr, transport at Rs.3061 cr, banking & insurance at Rs. 466 cr & real estate at Rs. 6493 cr. District specific figures are not available.

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PLP – 2016-17 Jhajjar District

District Map

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PLP – 2016-17 Jhajjar District

District Profile

District – Jhajjar State – Haryana Division – Rohtak

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 1834 # No. of Sub Divisions 3 Agro-climatic Zone : Semi- Arid and sub -humid Zones No. of Blocks 5 No. of Villages (Inhabited) 247 Climate : Hot Summer, Cool Winter, and meager rainfall No. of Panchayats 249 Soil Type : Loam, coarse loam, sandy loam and mixed. 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 191000 Rainfall [in mm] Normal Actual 2011-12 2012-13 2013-14 Forest Land - 494 239 122 443 Area Not Available for Cultivation 21000 Variation from Normal ( in %) 51.6 75.5 10.3 Availability of Ground Water Permanent Pasture and Grazing Land - Net annual recharge Net annual draft Balance [Ham] Land under Miscellaneous Tree Crops - 35646 30873 4744 Cultivable Wasteland 9000 5. DISTRIBUTION OF LAND HOLDING Current Fallow 8000 Classification of Holding Holding Area Other Fallow 19000 Nos. % to Total Ha. % to Total Net Sown Area 160000 <= 1 Ha 35025 48.0 15528 10.2 Total or Gross Cropped Area 243250 >1 to <=2 Ha 15047 20.6 20988 13.7 Area Cultivated More than Once 98000 >2 Ha 22951 31.4 116342 76.1 Cropping Inensity [GCA/NSA] 152.0 Total 73023 100.0 152858 100.0 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 112 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 50 Population 958 514 443 715 243 Agricultural Labourers 45 Scheduled Caste 157 85 72 125 32 Workers engaged in Household Industries 9 Scheduled Tribe - - - - - Workers engaged in Allied Agro-activities NA Literate 676 399 277 496 180 Other workers 160 BPL 234 NA NA 29 12 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 185 Having brick/stone/concrete houses 146 Having electricity supply 137 Rural Households 136 Having source of drinking water 47 Having independent toilets 50 BPL Households 49 Having access to banking services 148 Having radio/tv sets 90 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 265 Anganwadis 750 Dispensaries 5 Villages having Agriculture Power Supply 130 Primary Health Centres 22 Hospitals 3 Villages having Post Offices 181 Primary Health Sub-Centres 123 Hospital Beds 338 Villages having Banking Facilities 252 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 238 Fertiliser/Seed/Pesticide Outlets [Nos] 1081 Agriculture Pumpsets[Nos] 39990 Villages having Primary Health Centres 27 Total N/P/K Consumption [MT] 25269 Pumpsets Energised [Nos] 314 Villages having Potable Water Supply 247 Certified Seeds Supplied [MT] 5500 Agro Service Centres [Nos] 1 Villages connected with Paved Approach Roads 247 Pesticides Consumed [MT] 68 Soil Testing Centres [Nos] 2 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 16970 Plantation nurseries [Nos] - Total Area Available for Irrigation (NIA + Fallow) 133000 Power Tillers/Rotavators/ C Harvesters [Nos] 772 Farmers' Clubs [Nos] 119 Irrigation Potential Created - Threshers/Cutters [Nos] 7640 Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 109000 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 52000 Rural/Urban Mandi/Haat [Nos] 5 Wholesale Market [Nos] 3 Area irrigated by Wells 57000 Length of Pucca Road [Km] 1329 Godown [Nos] NA Area irrigated by Tanks - Length of Railway Line [Km] NA Godown Capacity[MT] 90000 Area irrigated by Other Sources - Public Transport Vehicle [Nos] 245 Cold Storage [Nos] 1 Irrigation Potential Utilized (Gross Irrigated Area) 195000 Goods Transport Vehicle [Nos] 1036 Cold Store Capacity[MT] 3200 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Avg. Yield Type of Processing Activity No of units Cap.[MT] Crop 2013-14 2014-15 [Kg/Ha] Food (Rice/Flour/Dal/Oil/Tea/Coffee) 12 652 Area ('000 Ha) Prod. ('000 MT) Area (Ha) Prod. (MT) Yield(Kg/Ha) Sugarcane (Gur/Khandsari/Sugar) 2 5 Wheat 98 442 114 421 3690 Fruit (Pulp/Juice/Fruit drink) 27 100 Paddy 30 72 35 83 2385 Spices (Masala Powders/Pastes) 5 83 Jowar 14 8 11 6 525 Dry-fruit (Cashew/Almond/Raisins) 2 2 Bajra 30 57 32 56 1737 Cotton (Ginnining/Spinning/Weaving) 32 - Mustard 31 48 22 29 1296 Milk (Chilling/Cooling/Processing) 2 4000(LPD) Gram 1 1 1 1 1073 Meat (Chicken/Motton/Pork/Dryfish) - - Cotton 2 5 5 15 501 Animal feed (Cattle/Poultry/Fishmeal) 2 NA Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 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] 90+44 Animal Markets [Nos] -- Cattle - Cross bred 7 2 5 Disease Diagnostic Centres [Nos] 5 Milk Collection Centres [Nos] 2 Cattle - Indigenous 45 3 42 Artificial Insemination Centers [Nos] 134 Fishermen Societies [Nos] -- Buffaloes 247 10 237 Animal Breeding Farms [Nos] -- Fish seed farms [Nos] -- Sheep - Cross bred 3 -- 3 Animal Husbandry Tng Centres [Nos] 2 Fish Markets [Nos] 1 Sheep - Indigenous 17 -- 17 Dairy Cooperative Societies [Nos] 333 Poultry hatcheries [Nos] -- Goat 10 1 9 Improved Fodder Farms [Nos] -- Slaughter houses [Nos] 1 Pig - Cross bred 1 0.4 0.6 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 5 1 4 Fish Production [MT] 8320 Per cap avail. [gm/day] 119 Horse/Donkey/Camel 1 -- -- Egg Production [Lakh Nos] 264 Per cap avail. [nos/p.a.] 119 Poultry - Cross bred 201 10 191 Milk Production ['LLs] 60 Per cap avail. [gm/day] 747 Poultry - Indigenous 2 0.8 1.2 Meat Production [MT] 70 Per cap avail. [gm/day] 23 # 1911 Sq. Kms according to village Population figures are Census 2011 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 - Census 2011; Item No. 15 - Sources (if not mentioned against the District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - Dept. of Agr; Item No. 17 - AH Census 2012; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat. The data mentioned here is respective item): mostly from Statistical Abstract Haryana 2013-14 and at few places to fulfil the data gap the department concerned data has been added.

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PLP – 2016-17 Jhajjar District

Banking Profile

District – Jhajjar State – Haryana Lead Bank – Punjab National Bank

1. NETWORK & OUTREACH (As on 31/03/2015) No. of Agency No. of Branches No. of non-formal agencies associated Per Branch Outreach Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households Commercial Banks 30 114 50 64 - - 724 27 2 1447 Regional Rural Bank 1 24 17 7 - - 790 9 2 1447 District Central 1 24 20 4 - - 12 - 10 7722 Coop. Bank Coop. Agr. & Rural 1 4 1 3 ------Dev. Bank Primary Agr. Coop. 23 ------Society Others ------All Agencies 56 166 88 78 1526 36 247 185334 2. DEPOSITS OUTSTANDING Agency No. of accounts Amount of Deposit [Rs.'000] 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 - - 39425031 47481811 50854783 7.10 86.02 Regional Rural Bank 107299 130988 145695 11.23 48.47 4024400 4397527 5144271 16.98 8.70 Cooperative Banks 131232 142629 154896 8.60 51.53 3080978 3066324 3121091 1.79 5.28 Others ------All Agencies 238531 273617 300591 9.86 100 46530409 54945662 59120145 7.60 100 3. LOANS & ADVANCES OUTSTANDING Agency No. of accounts Amount of Loan [Rs.'000] 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 79194 #VALUE! - 31052698 42869751 47859600 11.64 85.42 Regional Rural Bank 13715 13420 13500 0.60 7.21 2482200 2042321 2636300 29.08 4.71 Cooperative Banks 63740 83402 94509 13.32 50.48 5269300 4759141 5533000 16.26 9.88 Others 6228 5507 - 2.24 576212 488621 - All Agencies 83683 102329 187203 82.94 60 39380410 50159834 56028900 11.70 100 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) Agency CD Ratio Agency During 2014-15 Cumulative 31-Mar-13 31-Mar-14 31-Mar-15 Deposit Credit Deposit Credit Commercial Banks 89.4 90.0 79.0 Commercial Banks NA NA NA NA Regional Rural Bank 61.7 46.4 46.6 Regional Rural Bank 15565 972.0 56877 - Cooperative Banks 139.6 155.2 153.0 Cooperative Banks - - Others - - - Others - - - - All Agencies 91.3 91.3 80.8 All Agencies 15565 972 56877 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) Agency Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Amount % of Total Amount % of Total Amount % of Total Amount % of Total Amount % of Total [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans

Commercial Banks 15199026 68.01 6631027 29.67 1448163 6.48 9127 0.04 NA NA Regional Rural Bank 2001207 8.95 1788825 8.00 115591 0.52 - - Cooperative Banks 5148411 23.04 4935801 22.09 3137125 14.04 Others - - - - 14186.0 - - - - - All Agencies 22348644 100.00 13355653 59.76 4715065 21.10 9127.00 0.04 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Agency 2012-13 2013-14 2014-15 Ach[%] in last 3 years Target Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment Ach'ment [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%]

Commercial Banks 11207387 7812429 69.71 14115013 10327966 73.17 156627 151990 97.00 80 Regional Rural Bank 2022887 1177330 58.20 2483269 2847153 114.65 26620 20012 71.00 81 Cooperative Banks 8071762 4768754 59.08 9473102 4877816 51.49 97566 51296 53.00 55 Others 328226 55332 16.86 328226 7162 2.18 3190 188 6.00 8 All Agencies 21630262 13813845 63.86 26399610 18060097 68.41 284004 223486 78.69 70 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Broad Sector 2012-13 2013-14 2014-15 Ach[%] in last 3 years Target Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment Ach'ment [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%]

Crop Loan 13896610 9301418 66.93 16226037 10343061 63.74 16032865 11644374 72.63 68 Term Loan (Agr) 2691439 643322 23.90 3549905 1015915 28.62 5091678 1711279 33.61 29 Total Agri. Credit 16588049 9944740 59.95 19775942 11358976 57.44 21124543 13355653 63.22 60 Non-Farm Sector 2399432 1879319 78.32 3173416 2017373 63.57 3632318 5444033 149.88 97 Other Priority Sector 2642781 1989786 75.29 3450252 4683748 135.75 3643516 3548958 97.40 103 Total Priority Sector 21630262 13813845 63.86 26399610 18060097 68.41 28400377 22348644 78.69 70 9. RECOVERY POSITION Average Rec. Agency 2012-13 2013-14 2014-15 [%] in last 3 years Demand [Rs. Recovery Demand [Rs. Recovery [Rs. Demand [Rs. Recovery [Rs. Recovery [%] Recovery [%] Recovery [%] '000] [Rs. '000] '000] '000] '000] '000]

Commercial Banks NA NA NA NA NA NA NA NA NA #VALUE! Regional Rural Bank 1734700 1530600 88.23 2102595 1938332 92.19 2102595 1938332 92.19 91 Cooperative Banks 6081310 4706660 77.40 6081310 4706660 77.40 6477719 4880492 75.34 77 DPCARDB 533450 168055 31.50 527898 154994 29.36 527898 154994 29.36 30 All Agencies 8349460 6405315 76.72 87118038 6799986 78.05 9108212 6973818 76.57 77 Sources : Lead Bank & SLBC