PLP 2020-21 District Profile

District -Khagaria State - Division -

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 1493 Agro-climatic Zone Middle Gangetic Plains-North east Alluvial ( Zone 4) No. of Sub Divisions 2 No. of Blocks7 Climate Dry Sub-humid to Moist Sub-humid No. of Villages (Inhabited) 249 Soil Type Alluvial tarai No. of Panchayats 129 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 149342 Normal 2016 2017 2018 Actual Forest Land 8000Rainfall [in mm] 1060 699 681 821 Area Not Available for Cultivation13590 Variation from Normal 361 379 239 Permanent Pasture and Grazing Land 236Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 2700 [Ham] NA NA NA Cultivable Wasteland 2200 5. DISTRIBUTION OF LAND HOLDING Current Fallow 6000 Holding Area Classification of Holding Other Fallow 22800 Nos. % to Total Ha. % to Total Net Sown Area87100 <= 1 Ha 83844 72 80263 65 Total or Gross Cropped Area133100 >1 to <=2 Ha 20971 18 31457 25 Area Cultivated More than Once46000 >2 Ha 11092 10 12389 10 Cropping Inensity [GCA/NSA]152 Total 115907 100 124109 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators105 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers78 Population 1666 884 783 1579 87 Agricultural Labourers326 Scheduled Caste 247 130 117 - - Workers engaged in Household Industries21 Scheduled Tribe 0.67 0.35 0.32 Nil Nil Workers engaged in Allied Agro-activities40 Literate 768.02 461.15 306.37 - - Other workers109 BPL 123.00 NA NA NA NA 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households328 Having brick/stone/concrete houses NA Having electricity supply 41 Rural Households291 Having source of drinking water 326 Having independent toilets 71 BPL Households Having access to banking services107 Having radio/tv sets 87 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified70 Anganwadis 1276 Dispensaries 19 Villages having Agriculture Power Supply - Primary Health Centres 7 Hospitals 2 Villages having Post Offices129 Primary Health Sub-Centres 193 Hospital Beds 116 Villages having Banking Facilities - 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools241 Fertiliser/Seed/Pesticide Outlets [Nos] 176 Agriculture Pumpsets[Nos] 18653 Villages having Primary Health Centres36 Total N/P/K Consumption [MT] 25670 Pumpsets Energised [Nos] 193 Villages having Potable Water Supply152 Certified Seeds Supplied [MT] 7 Agro Service Centres [Nos] NA Villages connected with Paved Approach Roads32 Pesticides Consumed [MT] - Soil Testing Centres [Nos] 1 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos]6261 Plantation nurseries [Nos] NA Total Area Available for Irrigation (NIA + Fallow)104000 Power Tillers [Nos] 115 Farmers' Clubs [Nos] 68 Irrigation Potential Created Threshers/Cutters [Nos]1755 Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 68300 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels - Rural/Urban Mandi/Haat [Nos] 8 Wholesale Market [Nos] 1 Area irrigated by Wells1283 Length of Pucca Road [Km] 222 Godown [Nos] 36 Area irrigated by Tanks- Length of Railway Line [Km] NA Godown Capacity[MT] 85000 Area irrigated by Other Sources19000 Public Transport Vehicle [Nos] 235 Cold Storage [Nos] 3 Irrigation Potential Utilized (Gross Irrigated Area)72000 Goods Transport Vehicle [Nos] 1020 Cold Store Capacity[MT] 16398 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] 2017-18 2018-19 Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) 24 NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar)31 NA Maize 51000.00 229500.00 59509.00 294736.00 4953.00 Fruit (Pulp/Juice/Fruit drink) - - Wheat 42000.00 10819.20 28477.00 97212.00 3414.00 Spices (Masala Powders/Pastes)9 NA Banana 3650.00 486618.00 1110.00 46115.00 Dry-fruit (Cashew/Almond/Raisins) - - Rice 20000.00 48720.00 18900.00 42041.00 2224.00 Cotton (Ginnining/Spinning/Weaving) - - Potato 900.00 18900.00 4112.00 108917.85 21500.00 Milk (Chilling/Cooling/Processing)1 140 Sugarcane 120.00 9900.00 9900.00 76382.98 Meat (Chicken/Motton/Pork/Dryfish) - - Rapeseed & Mustard 3000.00 3000.00 3068.00 3359.00 1095.00 Animal feed (Cattle/Poultry/Fishmeal) 3 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 '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos]23 Animal Markets [Nos] 2 Cattle - Cross bred 174.98 15.74 159.24 Disease Diagnostic Centres [Nos] Milk Collection Centres [Nos] NA 7 Cattle - Indigenous 64.35 9.80 54.55 Artificial Insemination Centers [Nos]31 Fishermen Societies [Nos] 7 Buffaloes 88.02 8.89 79.13 Animal Breeding Farms [Nos] NA Fish seed farms [Nos] NA Sheep - Cross bred NA NAAnimal Husbandry Tng Centres [Nos] NA Fish Markets [Nos] 30 Sheep - Indigenous NA NADairy Cooperative Societies [Nos] 93 Poultry hatcheries [Nos] - Goat 228.27 57 171Improved Fodder Farms [Nos] NA Slaughter houses [Nos] NA Pig - Cross bred 0.12 0.07 0.04 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 4.29 NA NA Fish Production [MT]2386 Per cap avail. [gm/day] NA Horse/Donkey/Camel 3.52 1.16 2.01 Egg Production [Lakh Nos] NA Per cap avail. [nos/p.a.] NA Poultry - Cross bred 18.68 NA NA Milk Production ['000 MT]272.15 Per cap avail. [gm/day] NA Poultry - Indigenous 129.01 NA NA Meat Production [MT] NA Per cap avail. [gm/day] NA

Item Nos. 1, 6, 7, 9 & 10 - Census 2011; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item No. 8 - BPL Sources (if not mentioned against the Survey 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census 2012; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. respective item): of Eco. & Stat.

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PLP 2020-21 Khagaria

District Profile is one of the 38 districts of Bihar. Khagaria district comes under . Khagaria district in Bihar is located in Central Plain at an average is 30 to 65 meters above middle sea level. The major crops of the district are Maize, Wheat, Chilies, Litchi, Banana and Mango etc. The other major economic activities of the district are dairy, goatry, fishery etc.

The main rivers are Ganga, KamlaBalan, Koshi, Budhi Gandak, Karesh kali Koshi and Bagmati.

Sub Divisions: 2 Khagaria and Gogri Blocks : Khagaria, Gogri, Parbatta, Mansi, Beldaur, Choutham, Alauli (Total :7)

Per capita Income of Khagaria district was .9644.00 as against the avg. amount of .20069.00 of State in the year 2011. Per capita Income of district should be strived to level of State.

(a) Predominant economic activities of the district: Agriculture, Dairy, Small business. (b) Major food / Commercial and plantation /horticulture crops: Paddy, wheat, maize, mango, banana, sunflower, rai (black mustard), fishery.

(c) Other factors affecting the district rural economy and development and development of various sectors viz., flood, drought, pest attack, hailstorms etc. Agriculture in major portion of the district is every year prone to flood / drought. Unavailability of electricity, roads, health care facility, etc. comes in the way of increase in productivity. (e) Profile of one major commodity for the district covering aspects relating from production to marketing Name of commodity- Maize Characteristics of the commodity- in Kharif and Rabi seasons. Kharif maize April to September. Rabi maize Oct to March /April.

Bihar Rajya Fasal Sahayata Yojana instead of Crops Insurance Pradhan Mantri Fasal Bima Yojana(PMFBY) has been introduced from Kharif Season 2018. It is a scheme to help farmers with financial incentive in the event of the crop loss due to natural calamities. It is not an Insurance Scheme. There is no premium in this scheme.

There are 129 Gram Panchayats in the district. Gram Panchayats play no role in implementation of bank-loan related programs. PRIs get the funds from GoB / GOI. MAP OF THE DISTRICT

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PLP 2020-21 Khagaria Banking Profile

District -Khagaria State - Bihar Lead Bank - Union Bank of India

1. NETWORK & OUTREACH (As on 31/03/2019) No. of No. of Branches No. of non-formal agencies assoiated Per Branch Outreach Agency Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCAs/BFs Villages Households Commercial Banks 19 64 25 39 - NA 1894 144 NA NA Regional Rural Bank 1 35 22 13 - NA 12057 103 NA NA District Central Coop. Bank 1 7 6 1 -NA NA NA NA NA Coop. Agr. & Rural Dev. Bank 1 2 1 1 -NA NA NA NA NA Primary Agr. Coop. Society 129 129 129 - - NA NA NA NA NA Others - - - - -NA NA NA NA NA All Agencies 151 237 183 54 - NA NA NA NA NA 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs.'000] Agency 31-Mar-16 31-Mar-17 31-Mar-18 Growth(%) Share(%) 31-Mar-17 31-Mar-18 31-Mar-19 Growth(%) Share(%) Commercial Banks NA NA NA NA NA 19101797.00 21897647.00 22086500.00 0.86 81.56 Regional Rural Bank NA NA NA NA NA 3957651.00 4640800.00 4744400.00 2.23 17.52 Cooperative Banks NA NA NA NA NA 340206.00 239275.00 248600.00 3.90 0.92 Others NA NA NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA 23399654.00 26777722.00 27079500.00 1.13 100.00 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.'000] Agency 31-Mar-16 31-Mar-17 31-Mar-18 Growth(%) Share(%) 31-Mar-17 31-Mar-18 31-Mar-19 Growth(%) Share(%) Commercial Banks NA NA NA NA NA 8914938.00 10033845.00 9868800.00 -1.64 67.16 Regional Rural Bank NA NA NA NA NA 3693700.00 4222500.00 4212400.00 -0.24 28.67 Cooperative Banks NA NA NA NA NA 500163.00 385035.00 309900.00 -19.51 2.11 Others NA NA NA NA NA 303500.00 100.00 2.07 All Agencies NA NA NA NA NA 13108801.00 14641380.00 14694600.00 0.36 100.00 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During 2018-19 Cumulative Agency Agency 31-Mar-17 31-Mar-18 31-Mar-19 Deposit Credit Deposit Credit Commercial Banks 46.67 45.82 44.68Commercial Banks NA NA NA NA Regional Rural Bank 93.33 90.99 88.79Regional Rural Bank NA NA NA NA Cooperative Banks 147.02 160.92 124.66Cooperative Banks NA NA NA NA Others NA NA NAOthers NA NA NA NA All Agencies 56.02 54.68 53.40 All Agencies NA NA NA NA 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2019) 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.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans Commercial Banks 7353200.00 62 4485600.00 53 NA NA 85.00 100.00 NA NA Regional Rural Bank 3416500.00 29 3111500.00 37 NA NA NA NA NA NA Cooperative Banks 697600.00 6 693400.00 8 NA NA NA NA NA NA Others 305900.00 3 174700.00 2 NA NA NA NA NA NA All Agencies 11773200.00 100 8465200.00 100 NA NA 85.00 NA NA 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2016-17 2017-18 2018-19 Average Agency Target Ach'ment Target Ach'ment [Rs. Target Ach'ment [Rs. Ach[%] in Ach'ment [%] Ach'ment [%] Ach'ment [%] [Rs.'000] [Rs. '000] [Rs.'000] '000] [Rs.'000] '000] last 3 years Commercial Banks 8666300.00 7283269.00 84.04 8687600.00 7326003.00 84.33 10219100.00 7353200.00 71.96 80.11 Regional Rural Bank 4036500.00 3267100.00 80.94 3656500.00 3404100.00 93.10 4238900.00 3416500.00 80.60 84.88 Cooperative Banks 239400.00 500163.00 208.92 239900.00 385035.00 160.50 458300.00 697600.00 152.21 173.88 Others (SFB) 40000.00 305900.00 764.75 254.92 All Agencies 12942200.00 11050532.00 85.38 12584000.00 11115138.00 88.33 14956300.00 11773200.00 78.72 84.14 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2016-17 2017-18 2018-19 Average Broad Sector Target Ach'ment Target Ach'ment [Rs. Target Ach'ment [Rs. Ach[%] in Ach'ment [%] Ach'ment [%] Ach'ment [%] [Rs.'000] [Rs. '000] [Rs.'000] '000] [Rs.'000] '000] last 3 years Crop Loan 6494800.00 5408731.00 83.28 5056300.00 5042485.00 99.73 6625700.00 4702500.00 70.97 84.66 Term Loan (Agr) 2752000.00 2129200.00 77.37 3371200.00 2532535.00 75.12 4144200.00 3762700.00 90.79 81.10 Total Agri. Credit 9246800.00 7537931.00 81.52 8427500.00 7575020.00 89.88 10769900.00 8465200.00 78.60 83.33 Non-Farm Sector 2617700.00 2889146.00 110.37 2982700.00 2860999.00 95.92 3012600.00 2917600.00 96.85 101.05 Other Priority Sector 1077700.00 623455.00 57.85 1173800.00 679119.00 57.86 1173800.00 390400.00 33.26 49.66 Total Priority Sector 12942200.00 11050532.00 85.38 12584000.00 11115138.00 88.33 14956300.00 11773200.00 78.72 84.14 9. RECOVERY POSITION 2016-17 2017-18 2018-19 Average Agency Demand [Rs. Recovery Demand Recovery [Rs. Demand Recovery Rec. [%] in Recovery [%] Recovery [%] Recovery [%] '000] [Rs. '000] [Rs. '000] '000] [Rs. '000] [Rs. '000] last 3 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 7

PLP 2020-21 Khagaria Banking Profile

PERFORMANCE

The banks operating in the district include 19 Commercial Banks 01 RRB and 01 DCCB. The total no. of branches including all these stands at 108. The growth in deposits of banks in the district as on 31 March 2019 over 31 March 2018 was 1.13% while growth in credit was 0.36% . The CD Ratio of the district stood at 53.40% as at the end of 31 March 2019.

The recovery position of the commercial Bank has slightly improved after implementation of one time settlement scheme. The RRB have also come out with OTS version, which has not helped them much. The problem of recovery continues to be a hurdle to the banks as such banks are going for loaning oprations.

In some blocks like Beldaur, Parwatta etc. the average population per branch is 28000 - 32000 while the district average is 18000 of population per branch. The National average of population per branch is 16 thousand. Lack of adequate staff in bank branches comes in the way of normal credit dispensation. A large number of rural illiterate population is not aware of normal banking / credit facilities available with public sector banks.

DCCB/ LDB are unable to provide adequate credit to its customers because of resource crunch / poor financial health.

Financial Inclusion is the process of ensuring access to appropriate financial products and services needed by vulnerable groups such as weaker sections and low-income groups at an affordable cost in a fair and transparent manner by mainstream institutional players. The prime objective is the availability of baking services to the entire population without discrimination. Financial Inclusion with Fund (FIF) was setup NABARD. The main objective of Financial Inclusion Programme is to provide facility of deposit, credit, remittance, micro pension and insurance etc.

Status of SAMIS / Reporting system: The position of Service Area Monitoring and Information System in the district is not satisfactory. The SAMIS provides an inbuilt system of monitoring of information furnished by the Banks in their service area plans. Out of 3 sets of returns prescribed under SAMIS, LBS-MIS-I contains Target of Annual Credit Plan. LBS-MIS-2 has the details of disbursement under different head of activities of credit plan and outstanding and LBS-MIS-3 contains the Achievement vis-a-vis Targets of ACP during the year. The poor level of submission is due to the lack of motivation on part of branch managers/management of banks. RBI may consider making /declaring these returns a mandatory / statutory job on part of banks. Proper collection and flow of authentic bank related statistics would help strengthening the banking industry.

The District Central Cooperative Bank- The institute mainly caters the short-term credit requirement of farmers in the district through its 7 branches and 129 PACS. It is a licensed bank. All branches of DCCB, Khagaria have got Core Banking Solution.

Dakshin Bihar Gramin Bank The district falls under the operation area of Dakshin Bihar Gramin Bank (sponsored by PNB), which has its Head Office at . All 35 Branches are computerized and are under CBS Platform.

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