PLP 2016-17 EXECUTIVE SUMMARY The criticality of capital formation ‘in’ and ‘for’ agriculture need not be over emphasized. However, the recent declining trend in investment credit vis-à-vis crop loan has serious implications for sustaining capital formation. The theme selected for the PLP 2015-16 is “Accelerating the pace of capital formation in agriculture and allied sector”. The PLP maps the potential in priority sectors which could be exploited with institutional credit within a specified time frame. PLP are intended to provide a meaningful direction to the flow of credit to different sectors at the ground level taking into account all relevant factors. The various linkage and other support required to be provided by line departments to facilitate credit flow as planned are also listed in the PLP. CHIRANG district is one of the four districts of Bodoland Territorial Area District (BTAD) under the Government of . It is bounded by the Kingdom of on the North, district on the South, Baksa on the East and Kokrajhar on the West. The district has 2 sub-divisions sadar and civil subdivision and 3 blocks – Sidli, Borobazar and Manikpur. The district Head quarters is well connected with other parts of the state. According to the 2011 census Chirang district has a population of 481,818. This gives it a ranking of 547th in (out of a total of 640). The district has a population density of 244 inhabitants per square kilometre (630 /sq mi). Its population growth rate over the decade 2001-2011 was 11.26%. Chirang has a sex ratio of 969 females for every 1000 males, and a literacy rate of 64.71%. The greater part of the area of the world famous Manas Wildlife Park falls in the district. Almost 50% of the district consists of foothills of Bhutan and the rest plain area with intermittent hillocks. The total geographical area of the district is 136926 Ha. The area under agriculture is 46767 Ha (42.52 % of total geographical area) and area under forest is 41037 Ha (37.31 % of total geographical area), which collectively cover 88722 Ha (79.83 % of total geographical area). As per the Census of India, 2011, the total population of the district is 481818 with rural population of 446290 (92.6% of total population). The agro climatic condition of the district is conducive for agriculture. The total number of land holding was 39986 covering an area of 47466 Ha. Out of total number of land holding 84% are small and marginal farmers owning land of 49% of total area (Agricultural Census, 2005-06). The institutional credit structure in the district comprises mainly of RRB (8 Branches), Commercial Banks (14 Branches). The total Bank branches operating in the district is 22, of which Assam Gramin Vikash Banks have the highest no. of Branches. The district has only1 Private Banks catering to the need of urban population. The CD ratio is 44% only for the district as a whole for the year ended 2014-15.

The Policy Initiatives of the Government of India as announced during the Union Budget 2016-17 have been highlighted in Chapter I. Further, the State Government priorities as per budget announcement and other policy decisions affecting credit flow for agriculture and rural development have been given due coverage. The policy initiatives of the Reserve Bank of India and NABARD have been detailed for the reference of PLP users. In Chapter II, a gist of various ongoing Government Sponsored Programmes have also been highlighted. It is expected that this will serve as ready reckoner for the PLP users. The Base PLP projection (2012-17) for the year 2016-17 was estimated at ` 14472.50 lakh. However based on past few years GLC disbursement, operational constraints and others, this year projections have been updated and is estimated at ` 11723.05 lakh, comprising of ` 7999.97 lakh for Agriculture (` 4472.57 lakh for Crop Loans and ` 2471.65 lakh for Agri Term Loans), ` 2440.00 lakh for MSME Sector. The sub-sectoral projections for the year 2016-17 is given in page no 9. Crop Loan Paddy is the major crop grown in the district. Lack of irrigation facilities (especially during Rabi), poor electricity supply, and problems related to input procurement, absence of proper marketing facilities deplorable condition of rural roads etc., pose constraints. The projection for crop loan during 2016-17 is ` 4472.57 lakh.

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PLP 2016-17 Chirang District

Agriculture Term Loan Loans are also available to farmers for the activities other than seasonal agricultural operations, which are defined as loans more than 18 months repayment period. These loans are termed as Agriculture Term Loan or Investment Credit. The loans are given for purposes viz. Water resources, Animal Husbandry activities (Dairy, Poultry, SGP), Fisheries, farm mechanization, plantation and Horticulture etc. Under the head Agriculture term loan PLP projection of ` 2471.65 lakh has been fixed for the year 2016-17. Agriculture Infrastructure Agriculture Infrastructure Finance comprises of providing Bank loan for creation of Agriculture Infrastructure and its maintenance. The facilities are for construction of Cold storage, warehouses, market yard, godowns, silos and running of these units. Under the head PLP projection of ` 539.75 lakh has been fixed for the year 2016-17. Agriculture - Ancillary Activities According to the revised priority sector guidelines a new Agriculture sub head has been created. These include loans co-operative societies of farmers for disposing of the produce of members, Loans for Food and Agro-processing, loans to Bank loans to Primary Agricultural Credit Societies (PACS) and Loans sanctioned by banks to MFIs. Under the head PLP projection of ` 516.00 lakh has been fixed for the year 2016-17. MSME MSMEs are an important employment generating sector, especially in the backdrop of dwindling employment opportunities in the agriculture sector. Development of MSME helps in capital formation, growth of entrepreneurship among local people, reduced migration and ensures inclusive growth. Bank loans to micro and small enterprises in both manufacturing and service are eligible to be classified under priority sector. The industrial policy, of the state government, North East Industrial Promoting policy of GOI and MUDRA scheme may go a long way for industrial development. ` 2440.00 lakh is the projection under the sector for the year 2016-17. Education Education loan is a very important form of bank credit which is a boon for deserving and meritorious students who do not have ready resources for meeting the ever increasing cost of higher and technical education. As per the extant guidelines of RBI all loans to individual for educational purpose, including vocational courses, will be part of priority sector lending with a limit of ` 10.00 lakh. Under the head, PLP projection of ` 160.00 lakh has been fixed for the year 2016-17. Housing Constructing or purchasing a house demands a lot of resources and most of the people cannot still afford despite investing all their savings. Therefore, there is an urgent need for increasing credit flow to this sector. Considering this RBI has put housing as a separate sector under overall priority sector lending. Under the head, PLP projection of ` 768.00 lakh has been fixed for the year 2016-17. Renewable Energy Biogas being a renewable source of energy is user friendly and is a very good alternative source of energy. The Biogas & Manure Management Programme (BMMP) attaches great importance and priority to the use of Biogas. Under the head, PLP projection of ` 20.48 lakh has been fixed for the year 2016-17. Others According to the revised priority sector guidelines loans to SHGs, loans to distressed person, overdraft under PMJDY etc. are covered under “Others” as a separate sector under the overall priority sector loans. Under the head, PLP projection of ` 205.00 lakh has been fixed for the year 2016-17.

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PLP 2016-17 Chirang District

Social Infrastructure Under the head Schools, health care facilities, drinking water and sanitation facilities have now been brought under the ambit of PSL norms. Accordingly PLP projection for the year 2016-17 with an amount of ` 129.60 lakh have been fixed. Major Constraints and Suggested Action Points for State Govt. and Banking Sector The state government should give more importance to irrigation and power supply. Shortage of farm power is the main constraints to double or multiple cropping besides lack of quality power hinders the growth of micro, small and medium enterprises. Further, small land holding, availability of quantity ground water and rainfall concentration during monsoon provides more for minor irrigation. The existing canal irrigation systems are also not functioning well. Flood and O&M are the major hindrance for canal irrigation system. Hence, more emphasis should be given to the minor irrigation system. Private parties and Co-op societies may come forward for setting up cold storage and rural godowns with loan-cum-subsidy under the centrally sponsored schemes. The farmers may be made aware of different schemes of the government and banks. Extension service may be strengthened. Infrastructure Support Infrastructure provides an overview of infrastructure which is an index of the development status of an area or region. Indications are given to the State Government on the areas where investment in infrastructure would help in improving production in important sectors of the district’s economy. Also suggested in the chapter are lists of infrastructure components for which the State Government may consider for assistance under RIDF. Informal Credit Delivery System Efforts have been made to highlight innovative micro- Finance initiatives/ practices in the district. Further, for references of bankers a brief write up on a few well established NGOs involved in promotion of SHGs through micro-Finance, Joint Liability Groups (JLGs) have been discussed in chapter II. JLG/SHG financing has scope with the coming up of NRLM. The potential for promotion of SHGs and JLGs are given in Annexure VI (i) and VI (ii). Area Development Scheme Chirang is predominantly agrarian district has a substantial potential for popularising Dairy activities in Paddy and other innovative method of cultivation. Based on our experience in the district, Dairy Cluster has been identified as potential area based project/scheme. Thrust areas for 2016-17 Infrastructure development such as Irrigation facilities, road networks, etc. are essential for development of a district. Minor Irrigation projects should be to be taken up in a big way for the benefit of farmers. Abundant surface water available in the district may be harnessed for this purpose. However, for sustainable development of water resources conjunctive use of ground and surface water should be adopted.

Market Yards and Rural Godowns have to be constructed at important rural market places for the benefit of farmers. This may be done under public -private partnership basis. Improvement of existing infrastructure should be taken on priority. None of the PACS have scientific warehouses. The infrastructures of the PACS are required to be strengthened.

Conclusion Considering the available potential, infrastructure, banking outlets, government policies, farmers' participation, markets, extension services an amount of ` 29156.38 lakh has been estimated for credit flow in the district for the year 2016-17. To fulfil this target co-ordinated approach of all the stake holders are necessary. Strengthening of SAMIS, monitoring at district and block level, financial literacy, financial inclusion, coverage by SHG and JLG are also required to develop the district as well as the farmers.

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PLP 2016-17 Chirang District

SUMMARY OF BROAD SECTOR-WISE PLP PROJECTIONS: 2016-17 (` lakh) PLP Projections Sr. No. Particulars 2016-17 A Farm Credit i Crop Production, Maintenance, Marketing 4472.57 ii Term Loan for Agriculture and Allied activities 2471.65 Sub Total 6944.22 B Agriculture Infrastructure 539.75 C Anciliary Activities 516.00 I Credit Potential for Agriculture (A+B+C) 7999.97 II Micro, Small and Medium Enterprises 2440.00 III Export Credit 0.00 IV Education 160.00 V Housing 768.00 VI Renewable Energy 20.48 VII Others 205.00 VIII Social Infrastructure 129.60 Total Priority Sector (I to VIII) 11723.05

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PLP 2016-17 Chirang District

SUMMARY OF SUB SECTOR-WISE PROJECTIONS (2016-17)

(` lakh) PLP Projections Sr. No. Particulars 2016-17 I Credit Poteltial for Agriculture A Farm Credit i Crop Production, Maintenance, Marketing 4472.57 ii Water Resources 115.08 iii Farm Mechanization 567.04 iv Plantation & Horticulture 297.04 v Forestry and Wasteland Development 48.72 vi Animal Husbandry - Dairy 320.64 vii Animal Husbandry - Poultry 353.35 viii Animal Husbandry -Sheep/Goat/Piggery 574.88 ix Fishery 193.46 x Others 1.44 Sub Total 6944.22 B Agriculture Infrastructure i Storage Facilities 368.00 Land Development, Soil Conservation, Watershed ii 27.75 Development iii Others 144.00 Sub Total 539.75 C Anciliary Activities i Agro & Food Processing Sector 444.00 ii Others 72.00 Sub Total 516.00 D Total Agriculture 7999.97 II Micro, Small and Medium Enterprises i MSME - Term Loan 2160.00 ii MSME - Working Capital 280.00 Total MSME 2440.00 III Export Credit 0.00 IV Education 160.00 V Housing 768.00 VI Renewable Energy 20.48 VII Others 205.00 VIII Social Infrastructure 129.60 Total Priority Sector 11723.05

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PLP 2016-17 Chirang District

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PLP 2016-17 Chirang District

District Profile DISTRICT - CHIRANG STATE - ASSAM DIVISION - TWO 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (ha) 136926.00 Agro-climatic Zone Lower Bramaputra valley zone No. of Sub Divisions 2 No. of Blocks 3 Climate Subtropical in nature with warm humid summer followed by cool and dry winter No. of Villages (Inhabited) 508 Soil Type New and Old Alluvial Soil, Sandy and Sandy Loam Texture, Acidic in nature No. of Village Council Development Committee 62 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 136926 Normal 2009 2010 2011 Actual Forest Land 714978 Rainfall [in cm] 250-350 367 309 271 Area Not Available for Cultivation 14961 Variation from Normal

Permanent Pasture and Grazing Land 1071 Availability of Ground Net Annual Recharge Net Annual Draft Balance Land under Miscellaneous Tree Crops 995 Water [Ham] 135870 57766 78104 Cultivable Wasteland 1033 5. DISTRIBUTION OF LAND HOLDING Current Fallow 73 Holding Area Classification of Holding Other Fallow 48 Nos. % to Total Ha. % to Total Net Sown Area 46767 <= 1 Ha 23194 58 11004 23 Total or Gross Cropped Area 88722 >1 to <=2 Ha 9282 23 12555 26 Area Cultivated More than Once 41955 >2 Ha 7510 19 23907 51 Cropping Inensity [GCA/NSA] 190% Total 39986 100 47466 100 6. WORKERS PROFILE 7. DEMOGRAPHIC PROFILE Cultivators 39.986 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 32.476 Population 481818 244675 237143 446290 35528 Agricultural Labourers NA Scheduled Caste NA NA NA NA NA Workers engaged in Household Industries NA Scheduled Tribe NA NA NA NA NA Workers engaged in Allied Agro-activities NA Literacy Rate NA NA NA NA NA Other workers NA BPL NA NA NA NA NA 8. HOUSEHOLDS 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 97542 Having brick/stone/concrete houses NA Having electricity supply NA Rural Households NA Having source of drinking water NA Having independent toilets NA BPL Households NA Having access to banking services NA Having radio/tv sets NA 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified NA Anganwadis NA Having electricity supply NA Villages having Agriculture Power Supply NA Primary Health Centres 23 Having independent toilets 1 Villages having Post Offices NA Primary Health Sub-Centres 86 Having radio/tv sets 144 Villages having Banking Facilities NA 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Fertiliser/Seed/Pesticide Outlets Villages having Primary Schools NA NA Agriculture Pumpsets[Nos] NA [Nos] Villages having Primary Health Centres NA Total N/P/K Consumption [MT] NA Pumpsets Energised [Nos] NA Villages having Potable Water Supply NA Certified Seeds Supplied [MT] NA Agro Service Centres [Nos] NA Villages connected with Paved Approach NA Pesticides Consumed [MT] NA Soil Testing Centres [Nos] NA Roads 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] NA Plantation nurseries [Nos] NA Total Area Available for Irrigation (NIA + Fallow) 46888 Power Tillers [Nos] NA Farmers' Clubs [Nos] NA Irrigation Potential Created 13317 Threshers/Cutters [Nos] NA Krishi Vigyan Kendras[Nos] 1

Net Irrigated Area(Total area irrigated at least 5646 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING once)

Area irrigated by Canals / Channels NA Rural/Urban Mandi/Haat [Nos] 37 Wholesale Market [Nos] 1 Area irrigated by Wells NA Length of Pucca Road [Km] 660 Godown [Nos] 1 Area irrigated by Tanks NA Length of Railway Line [Km] NA Godown Capacity[MT] 5000 Area irrigated by Other Sources NA Public Transport Vehicle [Nos] NA Cold Storage [Nos] 1 Irrigation Potential Utilized (Gross Irrigated NA Goods Transport Vehicle [Nos] NA Cold Store Capacity[MT] 7500 Area) 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] 2010-11 2013-14 Food Rice/Flour/Dal /Oil / Crop Avg. Yield [Kg/Ha] NA NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) Tea/Coffee) Sugarcane (Gur/Khandsari/Sugar) NA NA Paddy 53619 77487 45669 119384 2900 Fruit (Pulp/Juice/Fruit drink) NA NA Oilseed 8557 3438 -

Spices (Masala Powders/Pastes) NA NA Pulses 2091 2063 -

Dry-fruit (Cashew/Almond/ Raisins) NA NA Wheat 647 633 978 Cotton (Ginnining/Spinning/ NA NA Jute 1239+ 12727 1849 Weaving) Milk (Chilling/Cooling/Processing) NA NA Potato 2801 22907 8178

Meat (Chicken/Motton/Pork/ Dryfish) NA NA Mesta 246 2660 1946

Animal feed (Cattle/Poultry/ NA NA Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) Fishmeal) 17. ANIMAL POPULATION AS PER 18th LIVESTOCK CENSUS 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Veterinary Hospitals/ Dispensaries Category of animal Total Male Female 8 Animal Markets [Nos] NA [Nos] Cattle - Cross bred NA NA Disease Diagnostic Centres [Nos] NA Milk Collection Centres [Nos] NA Cattle - Indigenous 277399 NA NA Artificial Insemination Centers [Nos] NA Fishermen Societies [Nos] NA Buffaloes 11554 NA NA Animal Breeding Farms [Nos] NA Fish seed farms [Nos] NA Sheep - Cross bred NA NA NA Animal Husbandry Tng Centres NA Fish Markets [Nos] NA Sheep - Indigenous 6766 NA NA Dairy Cooperative Societies [Nos] NA Poultry hatcheries [Nos] NA Goat 57157 NA NA Improved Fodder Farms [Nos] NA Slaughter houses [Nos] NA Pig - Cross bred 131715 NA NA 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous NA NA NA Fish Production [MT] 1925 Per cap avail. [gm/day] NA

Horse/Donkey/Camel 19 NA NA Egg Production [Lakh Nos] NA Per cap avail. [nos/p.a.] NA

Poultry - Cross bred NA NA NA Milk Production ['00000 L] NA Per cap avail. [gm/day] NA Poultry - Indigenous 394750 NA NA Meat Production [MT] NA Per cap avail. [gm/day] NA

Sources (if not Item Nos. 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. 15 - District mentioned against Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET/Agri. Dept; Item No. 1, 8 -www.Chirang.gov.in the respective item):

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PLP 2016-17 Chirang District

BANKING PROFILE : CHIRANG DISTRICT

1. NETWORK & OUTREACH (As on 31/03/2015) 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 BCs/BFs Villages Households Commercial Banks 7 14 7 5 2 - - - NA NA Regional Rural Bank 1 8 5 2 1 - - - NA NA Cooperative Banks ------Others ------All Agencies 8 22 12 7 3 - - - NA NA 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs.'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 57140 NA NA 47054.87 62364.04 72630.74 16.46 90.60 Regional Rural Bank NA NA 26100 NA NA 6025.03 6181.71 7539 21.96 9.40 Cooperative Banks ------Others ------All Agencies NA NA 83240 NA NA 53079.9 68545.75 80169.74 16.96 100.00 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.'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 17728.74 27573.94 30239.16 9.67 86.38 Regional Rural Bank NA NA NA NA NA 3215.99 3981.49 4768.79 19.77 13.62 Cooperative Banks ------Others ------All Agencies NA NA NA NA NA 20944.73 31555.43 35007.95 10.94 100.00 4. CD-RATIO 5.PERFORMANCE UNDER FINANCIAL INCLUSION(No of A/c) 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 44.21 43.00 Commercial Banks 72630.74 30239.16 NA NA Regional Rural Bank 64.41 64.41 63.00 Regional Rural Bank 7539.00 4768.79 NA NA Cooperative Banks - - - Cooperative Banks - - - - Others - - - Others - - - - All Agencies 46.04 46.04 44.00 All Agencies 80169.74 35007.95 NA NA 6. PERFORMANCE TO FULFILL NATIONAL GOALSLoans to (As Weaker on 31-Mar-15) Loans under DRI Priority Sector Loans Loans to Agr. Sector Sections Scheme Loans to Women Agency % of Total Amount % of Total Amount % of Total Amount % of Total Amount % of Total Amount [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans Commercial Banks 236565.00 59.24 124797.00 53.62 375345.00 62.78 NA NA 160893.00 74.66 Regional Rural Bank 162785.00 40.76 107940.00 46.38 222495.00 37.22 NA NA 54595.00 25.34 Cooperative Banks ------Others ------All Agencies 399350.00 100.00 232737.00 100.00 597840.00 100.00 NA NA 215488.00 100.00 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Agency Ach'ment Target Ach'ment Target Ach'ment Ach[%] in last Target [Rs.'000] Ach'ment [%] Ach'ment [%] Ach'ment [%] [Rs. '000] [Rs.'000] [Rs. '000] [Rs.'000] [Rs. '000] 3 years Commercial Banks 365697.00 284144.00 77.70 985223.00 311654.00 31.63 785751.00 236565.00 30.11 30.87 Regional Rural Bank 110530.00 59442.00 53.78 553084.00 104443.00 18.88 317286.00 162785.00 51.31 35.09 Cooperative Banks ------Others ------All Agencies 476227.00 343586.00 72.15 1538307.00 416097.00 27.05 1103037.00 399350.00 36.20 31.63 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Broad Sector Ach'ment Target Ach'ment Target Ach'ment Ach[%] in last Target [Rs.'000] Ach'ment [%] Ach'ment [%] Ach'ment [%] [Rs. '000] [Rs.'000] [Rs. '000] [Rs.'000] [Rs. '000] 3 years Crop Loan 1563.32 781.60 50.00 617278.00 1770.94 0.29 739576.00 182824.00 24.72 12.50 Term Loan (Agr) 346903.68 150921.40 43.51 152829.00 202565.06 132.54 177693.00 49913.00 28.09 80.32 Total Agri. Credit 348467.00 151703.00 43.53 770107.00 204336.00 26.53 917269.00 232737.00 25.37 25.95 Non-Farm Sector 101460.00 140361.00 138.34 588200.00 154721.00 26.30 77048.00 111788.00 145.09 85.70 Other Priority Sector 26300.00 51522.00 195.90 180000.00 57040.00 31.69 108720.00 54825.00 50.43 41.06 Total Priority Sector 1538307.00 416097.00 27.05 1103037.00 399350.00 36.20 1103037.00 399350.00 36.20 36.20 9. RECOVERY POSITION (Under Govt. Sponsored Schemes) 2012-13 2013-14 2014-15 Average Rec. Agency Recovery Demand Recovery Demand Recovery [%] in last 3 Demand [Rs. '000] Recovery [%] Recovery [%] Recovery [%] [Rs. '000] [Rs. '000] [Rs. '000] [Rs. '000] [Rs.'000] years Commercial Banks 56156 29.7 3.83 56156 1778 3.17 77418.00 5456.00 7.05 5.11 Regional Rural Bank 6984 97.51 31.01 6984 446 6.39 64367.00 8036.00 12.48 9.44 Cooperative Banks ------Others ------All Agencies 63140 127.21 11.66 63140 2224 3.52 141785.00 13492.00 9.52 6.52 Sources : Lead Bank

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