Executive Summary Shopian Is One of the Newly Created District of J&K

Executive Summary

Shopian is one of the newly created District of J&K State, it came into existence after being carve out of District Anantnag and made functional administratively with effect from 2nd April 2007. The District is surrounded by Rajouri, Kulgam and Pulwama.

Total flow of Ground Level Credit (GLC) under priority sector was Rs. 367.76 crore, Rs. 246.76 crore and Rs. 443.99 crore during 2012-13, 2013-14 and 2014-15, respectively. District Credit Plan showed achievement of 235%, 75.91% and 101% over same period. Share of agriculture credit in total GLC during the past three years was 74%, 90% and 80% respectively.

The projections of Potential Linked Credit Plan (PLP) of Shopian District for 2016-17 are assessed at Rs.604.29 crore. Sector wise coverage of credit potential is indicated as under: Rs. 503.76 crore for Agriculture (Farm credit, Agriculture infrastructure and Ancillary activities), Rs. 63.51 crore for MSME (including medium enterprises), Rs. 1.80 crore for Export Credit, Rs. 8.43 crore for Education, Rs. 18.56 crore for Housing, Rs. 6.75 crore for Social Infrastructure, Rs. 2.08 crore for Renewable Energy, and Rs. 5.45 crore for Others. PLP for credit for 2016-17 marks 20.55% growth over PLP of 2015-16, for the Priority Sectors in Shopian District.

Major constraints likely to affect the translation of potential for institutional credit assessed under the PLP-2016-17 into actual flow of GLC in various sectors are presented as under: poor outreach of development programmes of State and Central Government, poor branch network, low spread of BCs, lack of SHPIs, lack of basic rural infrastructure facilities, apathy of farmers/ rural people towards banks, lack of coordination among agencies, absence of Crop Insurance facilities due to poor infrastructure and awareness, lack of off-farm skills and facilities for rural industrial entrepreneurship, etc. Suggested action points to circumvent the adverse impacts of constraints are as under: social mobilization, creation of awareness, skill formation drives, enhancing coordination among agencies, financial literacy camps, etc. NABARD has initiated steps in this direction by promotion of SHGs, Area Development Schemes, organizing FLCs, etc. Thrust areas of NABARD for 2016-17 are planned in the area of promoting SHGs, JLGs, POs, cooperatives, etc. which require optimum coordination among all agencies and stakeholders in the district including decentralized participation of the rural people.

Disclaimer: The GLC reported in PLP document does not cover Jewel Loans

Broad Sector wise PLP projections - 2016-17 (`. lakh) PLP Sr. No. Particulars Projections 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 37201.23

ii Term Loan for agriculture and allied activities 10491.77 Sub Total 47693.00 B Agriculture Infrastructure 1284.12

C Ancillary activities 1399.5 I Credit Potential for Agriculture (A+B+C) 50376.62 II Micro, Small and Medium Enterprises 6351.75

III Export Credit 180.00

IV Education 843.75

V Housing 1856.25

VI Renewable Energy 208.05

VII Others 545.63

VIII Social Infrastructure involving bank credit 67.50 Total Priority Sector (I to VIII) 60429.55

Sector / Sub-sector wise PLP projections - 2016-17 (`. lakh) PLP Sr. Particulars Projections No. 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 37201.23 ii Water Resources 379.83 iii Farm Mechanization 1068.81 iv Plantation and Horticulture (including sericulture) 7366.37 v Forestry and Waste Land Development 25.31 vi Animal Husbandry – Dairy 796.50 vii Animal Husbandry – Poultry 364.95 viii Animal Husbandry – Sheep, Goat, Piggery, etc. 336.60 ix Fisheries (Marine, Inland, Brackish water) 99.90 x Others – Bullock, Bullock cart, etc. 53.51 Sub Total 47693.00 B Agriculture Infrastructure Construction of storage facilities (Warehouses, Market i yards, Godowns, Silos, Cold storage units/ Cold storage 1248.75 chains) Land development, Soil conservation, Watershed ii 35.37 development Others (Tissue culture, Agri bio-technology, Seed iii 0 production, Bio pesticides/ fertilizers, Vermin composting) Sub Total 1284.12 C Ancillary activities i Food and Agro processing 1350.00 Others (Loans to Cooperative Societies of farmers for disposing of their produce, Agri Clinics/ Agri Business ii 49.50 Centres, Loans to PACS / FSS/ LAMPS, Loans to MFIs for on lending) Sub Total 1399.50 Total Agriculture (A+B+C) 50376.60 II Micro, Small and Medium Enterprises i MSME – Working capital 1058.63 ii MSME – Investment credit 5293.13 Total MSME 6351.76 III Export Credit 180.00 IV Education 843.75

V Housing 1856.25

VI Renewable Energy 208.05 Others (Loans to SHGs/ JLGs, loans to distressed persons VII to prepay non-institutional lenders, PMJDY, loans to state 545.63 sponsored organizations for SC/ST) VIII Social Infrastructure involving bank credit 67.50 Total Priority Sector 60429.55

Map of District Shopian

District Profile

District - SHOPIAN State - Jammu & Kashmir Division - Kashmir

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 613 Temperate climate with lower to higher hills, alpine zone and snow bound Agro-climatic Zone No. of Sub Divisions 2 areas No. of Blocks 9 Climate Warm sub-humid to cool humid climate No. of Villages (Inhabited) 231 Soil Type Silty-Clay-Loam No. of Panchayats 103 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER (Discontinued by MD from 1999 onwards) Total Area Reported 36834 Normal 2012-13 2013-14 2014-15 Actual Forest Land 263 Rainfall [in mm] 600-1000mm NA NA NA Area Not Available for Cultivation 5700 Variation from Normal NA NA NA Permanent Pasture and Grazing Land 2983 Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 862 [Ham] NA NA NA Cultivable Wasteland 1831 5. DISTRIBUTION OF LAND HOLDING Current Fallow 5562 Holding Area Classification of Holding Other Fallow 67 Nos. % to Total Ha. % to Total Net Sown Area 19564 <= 1 Ha 85643 84.19% 37802 57.12% Total or Gross Cropped Area 25207 >1 to <=2 Ha 12664 12.45% 16780 25.35% Area Cultivated More than Once 5643 >2 Ha 3421 3.36% 11601 17.53% Cropping Inensity [GCA/NSA] 1.78% Total 101728 100.00% 66183 100.00% 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 28600 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 26720 Population 266.00 136.48 129.74 249.85 16.30 Agricultural Labourers 2350 Scheduled Caste Workers engaged in Household Industries 1820.00 Scheduled Tribe 20.43 11.23 10.20 18.25 2.18 Workers engaged in Allied Agro-activities 14200 Literate (%) 60.75 70.27 50.81 59.54% 78.65% Other workers 2300.00 BPL 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 57 Having brick/stone/concrete houses 62.748 Having electricity supply Rural Households NA Having source of drinking water 11.375 Having independent toilets BPL Households 12 Having access to banking services Having radio/tv sets 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 218 Anganwadis 84 Dispensaries 27 Villages having Agriculture Power Supply NA Primary Health Centres 16 Hospitals 3 Villages having Post Offices NA Primary Health Sub-Centres 74 Hospital Beds 262 Villages having Banking Facilities NA 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools NA Fertiliser/Seed/Pesticide Outlets [Nos] 156 Agriculture Pumpsets[Nos] Villages having Primary Health Centres NA Total N/P/K Consumption [MT] 24593 Pumpsets Energised [Nos] 60 Villages having Potable Water Supply 229 Certified Seeds Supplied [MT] 209 Agro Service Centres [Nos] Villages connected with Paved Approach Roads NA Pesticides Consumed [MT] NA Soil Testing Centres [Nos] 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 539 Plantation nurseries [Nos] Total Area Available for Irrigation (NIA + Fallow) 38759 Power Tillers [Nos] 30 Farmers' Clubs [Nos] Irrigation Potential Created NA Threshers/Cutters [Nos] 3 Krishi Vigyan Kendras[Nos] Net Irrigated Area(Total area irrigated at least once) 13261 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 13261 Rural/Urban Mandi/Haat [Nos] Wholesale Market [Nos] 1 Area irrigated by Wells 56 Length of Pucca Road [Km] 779 Godown [Nos] 76 Area irrigated by Tanks nil Length of Railway Line [Km] 745 Godown Capacity[MT] 4000 Area irrigated by Other Sources 339 Public Transport Vehicle [Nos] Cold Storage [Nos] Irrigation Potential Utilized (Gross Irrigated Area) 18397 Goods Transport Vehicle [Nos] Cold Store Capacity[MT] 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] 2012-13 2013-14 Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) NA NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) NA NA Cereals 1986 NA 2036 NA Fruit (Pulp/Juice/Fruit drink) NA NA Oil Seeds 4654 NA 4434 NA Spices (Masala Powders/Pastes) NA NA Pulses 1321 NA 1231 NA Dry-fruit (Cashew/Almond/Raisins) NA NA Vegetables 4876 NA 4743 NA Cotton (Ginnining/Spinning/Weaving) NA NA Fodder 4365 NA 4567 NA Milk (Chilling/Cooling/Processing) NA NA Saffron 156 NA 211 NA Meat (Chicken/Motton/Pork/Dryfish) NA NA Total 17358 17222 Animal feed (Cattle/Poultry/Fishmeal) NA NA 17. ANIMAL POPULATION AS PER CENSUS 2010-11 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 54 Animal Markets [Nos] Cattle - Cross bred NA NA Disease Diagnostic Centres [Nos] 9 Milk Collection Centres [Nos] 77.00 Cattle - Indigenous NA NA Artificial Insemination Centers [Nos] 51 Fishermen Societies [Nos] Buffaloes 0.91 NA NA Animal Breeding Farms [Nos] Fish seed farms [Nos] Sheep - Cross bred 162.00 NA NA Animal Husbandry Tng Centres [Nos] Fish Markets [Nos] Sheep - Indigenous 27.00 NA NA Dairy Cooperative Societies [Nos] 7 Poultry hatcheries [Nos] 2 Goat 33.60 NA NA Improved Fodder Farms [Nos] Slaughter houses [Nos] Pig - Cross bred NA NA NA 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous NA NA NA Fish Production [MT] 150 Per cap avail. [gm/day] 263 Horse/Donkey/Camel NA NA NA Egg Production [Lakh Nos] 76 Per cap avail. [nos/p.a.] 13 Poultry - Cross bred NA NA NA Milk Production ["000 MT] 183 Per cap avail. [gm/day] 307 Poultry - Indigenous 846.00 NA NA Meat Production [MT] 1000 Per cap avail. [gm/day] 1754 7 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 mentioned against the Survey 2007; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census 2007; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of respective item): Eco. & Stat.

Banking Profile

District - SHOPIAN State - Jammu & Kashmir Lead Bank J&K Bank Ltd.

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 5 23 16 NA 7 NA NA 40 NA NA Regional Rural Bank 1 5 5 NA NA NA NA NA NA NA District Central Coop. Bank 1 4 4 NA NA NA NA NA NA NA Coop. Agr. & Rural Dev. Bank NA NA NA NA NA NA NA NA NA NA Primary Agr. Coop. Society NA NA NA NA NA NA NA NA NA NA Others NA NA NA NA NA NA NA NA NA NA All Agencies 7 32 25 NA 7 NA NA 40 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 NA NA NA NA NA NA NA NA NA NA Regional Rural Bank NA NA NA NA NA NA NA NA NA NA Cooperative Banks NA NA NA NA NA NA NA NA NA NA Others NA NA NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA NA NA NA NA NA 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 NA NA NA NA NA Regional Rural Bank NA NA NA NA NA NA NA NA NA NA Cooperative Banks NA NA NA NA NA NA NA NA NA NA Others NA NA NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA NA NA NA NA NA 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 65.00% 60.64% 132.96% Commercial Banks NA NA NA NA Regional Rural Bank 92.00% 132.96% 60.64% Regional Rural Bank NA NA NA NA Cooperative Banks 39.00% 37.19% 37.19% Cooperative Banks NA NA NA NA Others NA NA NA Others NA NA NA NA All Agencies 65.00% 115.20% 136.76% 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 [Rs. % of Total Amount [Rs. % of Total Amount [Rs. % of Total Amount [Rs. % of Total Amount [Rs. % of Total lakh] Loans lakh] Loans lakh] Loans lakh] Loans lakh] Loans Commercial Banks 43288.07 97.50% 35026.22 98.06% NA NA NA NA Regional Rural Bank 378.15 0.85% 233.50 0.65% NA NA NA NA Cooperative Banks 733.00 1.65% 458.00 1.28% NA NA NA NA Others NA NA NA NA NA NA All Agencies 44399.22 100.00% 35717.72 100.00% NA NA NA 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLAN 20012-13 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 14579.05 36498.37 250.35% 30983.60 23038.72 74.36% 39718.03 43288.07 108.99% 144.56% Cooperative Banks 854.38 134.25 15.71% 545.00 1094.39 200.81% 2163.3 733 33.88% 83.47% Regional Rural Bank 169.35 144.37 85.25% 979.40 542.89 55.43% NA NA #VALUE! 46.89% Others NA NA NA NA NA NA 2163.3 378.15 17.48% 17.48% 15602.8 36776.99 235.71% 32508.00 24676.00 75.91% 44044.63 44399.22 100.81% 137.47% 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 5886.06 18952.76 321.99% 21404.00 20380.10 95.22% 22164.00 34199.72 154.30% 190.50% Term Loan (Agr) 4888.32 8316.24 170.12% 6007.00 2065.59 34.39% 8580.63 1518.00 17.69% 74.07% Total Agri. Credit 10774.88 27269 253.08% 27411.00 22445.69 81.89% 30744.63 35717.72 116.18% 150.38% MSME Sector 2738.87 3022.99 110.37% 3714.00 1265.00 34.06% 9000.00 3998.94 44.43% 62.96% Other Priority Sector 2089 6485 310.44% 1383.00 965.00 69.78% 4300.00 4682.56 108.90% 163.04% Total Priority Sector 15602.75 36776.99 235.71% 32508 24675.69 75.91% 44044.63 44399.22 100.81% 137.47% 9. RECOVERY POSITION 2012-13 2013-14 2014-15 Average Rec. Agency Demand [Rs. Recovery Demand [Rs. Recovery Demand [Rs. Recovery Recovery [%] in last 3 Recovery [%] Recovery [%] Lakh] [Rs. Lakh] Lakh] [Rs. Lakh] Lakh] [Rs. Lakh] [%] years Commercial Banks NA NA NA NA NA NA NA NA NA NA Regional Rural Bank NA NA NA NA NA NA NA NA NA NA Cooperative Banks NA NA NA NA NA NA NA NA NA NA Others NA NA NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA NA NA NA NA NA

Sources : Lead Bank & SLBC The nos. of A/c includes both deposit & credit accounts.