Executive Summary A
Total Page：16
File Type：pdf, Size：1020Kb
PLP 2016‐17 Kheda Executive Summary A. Introduction Kheda district is primarily an agricultural district with tobacco and paddy as the predominant crops. The other major crops cultivated are wheat, bajara, maize, cotton and groundnuts. About 21.39 % of land holdings are with small and marginal farmers and the average size of the holdings is 1.20 Ha. The Potential Linked Credit Plan (PLP) for 2016-17 has been prepared aligning with the revised RBI guidelines on Priority Sector Lending. It estimates credit flow of ₹. 219441.73 lakh, of which, Crop Production sector has a major share of 41.50% at ₹. 91065.00 lakh. Term loan under agriculture is assessed at ₹ 54999.73 lakh accounting for about 25.06% Under MSME, ₹. 56301.00 lakh has been assessed as potential forming 25.66% and balance at ₹ 17076.00 lakh has been estimated for other sectors like Exports, Education, Housing, etc. The activity-wise and block-wise assessment of potential is presented in Annexure I. The PLP projection for 2016-17 is higher by ₹. 19683.73 lakh when compared to the PLP for the year 2015-16 representing an increase of 9.85% Further, the PLP projection is higher by ₹ 19272.73 lakh when compared to the ACP target for the year 2015-16. Suggested action Points in respect of major sectors and infrastructure/non-credit inputs are as under: B. Sector-wise comments on major sectors 1. Crop Production, Maintenance and Marketing Paddy is one of the key crop grown in the district in terms of its value. More than 90000 Ha land is under paddy cultivation. Scientific method of farming through SRI method holds very good promise in terms of yields improvement as well as savings in water, fertilizer and pesticides. 2. Farm Mechanisation In Kheda District, agriculture land size is larger than state average. For eg. Top 16.74% of farmers are holding 53.48% of the total agriculture land. Such skewed land distribution, good irrigation facilities, are right conditions for implementing high degree of farm mechanization. Higher investment capacity of large farmers will help in improving the productivity through highly mechanized farming operations. 3. Plantation and Horticulture Due to very fertile land, sufficient and good quality ground water and its proximity to big centers like Ahmedabad and Vadodara, horticulture sector is a pre dominant sector in Agriculture. More than 20% total cropped area is under horticulture production. To further support the Horticulture sector, there is an urgent need to establish backward linkage facilities like tissue culture labs, plants hardening centers and forward linkage like cold storages, pack houses etc. 4. Animal husbandry There is a need for strengthening the relationship between Banks, Cooperative Dairy sector and members of the dairy cooperatives, to enable members to obtain maximum bank finance to buy good quality animals, with repayment guarantee of cooperative dairies. Kheda contributes to more than 20% of poultry production in Gujarat State. However, bank finance in poultry sector is quite low due to non-availability of affordable insurance for poultry birds. Banks may create an internal pool of resources for risk mitigation purpose to finance poultry sector. C. Highlights of Developments, initiatives taken, achievements, specific prescriptions etc. Due to high level of awareness among the farmers and extension work done by Government departments as well as Anand Agriculture University, various centrally sponsored subsidy schemes have been well received in Kheda District. Share of Kheda District in Dairy Entrepreneurship Development Scheme, Rural Godown Scheme, AMIGS, Poultry Venture capital Fund scheme have 1 PLP 2016‐17 Kheda been among highest for last many years. Efforts should be made to leverage on farmers clubs in Kheda District, efforts to make Producers Organisations to take up processing and value addition activities in Agriculture. D. Thrust areas for 2016-17 The PLP document, besides discussing the development initiatives taken by GOI and the Government of Gujarat in the fields of agriculture, horticulture, and infrastructure lays emphasis on the following thrust areas and calls for collective participation of all stakeholders in the district to firm up the credit plan and to work towards achievement of targets for 2016-17. i. Improvement in CD ratio of the district. ii. Coverage of all eligible farmers under KCC. iii. Promotion of Joint Liability Groups and ensuring credit linkage. iv. Capacity building of SHGs and upscaling of SHG linkage. v. Ensuring capital formation in agriculture by financing potential sectors mainly Farm Mechanisation, Rural godowns, Dairy and Food and Agro processing. E. Area Based Scheme: The Area Based Scheme (ABS) on Agro and Food processing seeks to provide a focussed approach for various developmental activities, which can be taken up by the local people on a sustainable basis for income and employment generation through enhancing value chain of Agro and Food Processing in the district. The Plan uses the broad framework of ‘Project Approach’ for investment and production purposes under various identified components of value chain and the role of various institutions /agencies are dovetailed for the maximisation of benefits. F. Conclusion The major driver of private sector capital formation is investment credit. Immediate thrust is required to raise its share in the total agriculture credit. The document, has therefore, been prepared with emphasis on accelerating the pace of capital formation in agriculture and allied sectors. This goal can be achieved with the coordinated efforts of all the stakeholders, better monitoring and review at BLBC / DCC meetings and effective implementation of Financial Inclusion plans. 2 PLP 2016‐17 Kheda Appendix A to Annexure I Broad Sectorwise PLP Projections 2016‐17 (₹.lakhs) PLP Projections Sr. No. Particulars 2016‐17 AFarm Credit i Crop Production, Maintenance and Marketing 91065.00 ii Term Loan for agriculture and allied activities 35569.81 Sub Total 126634.81 B Agriculture Infrastructure 8429.92 C Ancillary activities 11000.00 I Credit Potential for Agriculture (A+B+C) 146064.73 II Micro, Small and Medium Enterprises 56301.00 III Export Credit 1680.00 IV Education 4200.00 V Housing 5264.00 VI Renewable Energy 24.00 VII Others 5816.00 VIII Social Infrastructure involving bank credit 92.00 Total Priority Sector (I to VIII) 219441.73 Social Housing Broad Sectorwise projections 2016‐17 Others Infrastructure 2.40% Renewable Energy 2.65% involving bank Education 0.01% credit 0.04% 1.91% Export Credi t Mi cro, Sma ll and 0.77% Medium Enterprises 25.66% Credit Potential for Agriculture (A+B+C) Credit Potential for Micro, Small and Medium Enterprises Agriculture (A+B+C) Export Credit 66.56% Education Housing Renewable Energy Others Social Infrastructure involving bank credit 3 PLP 2016‐17 Kheda Appendix B to Annexure I Summary of Sector / Sub‐sector wise PLP projections ‐ 2016‐17 (₹.lakhs) Sr. Particulars PLP Projections No. 2016-17 I Credit Potential for Agriculture AFarm Credit i Crop Production, Maintenance and Marketing 91065.00 ii Water Resources 5228.24 iii Farm Mechanisation 10278.53 iv Plantation and Horticulture (including sericulture) 6163.12 v Forestry and Waste Land Development 128.80 vi Animal Husbandry – Dairy 10400.00 vii Animal Husbandry – Poultry 960.00 viii Animal Husbandry – Sheep, Goat, Piggery, etc. 55.12 ix Fisheries (Marine, Inland, Brackish water) 44.00 x Others – Bullock, Bullock cart, etc. 2312.00 Sub Total 126634.81 B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market 4384.00 yards, Godowns, Silos, Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed 633.92 development iii Others (Tissue culture, Agri bio-technology, Seed 3412.00 production, Bio pesticides/ fertilizers, Vermin composting) Sub Total 8429.92 C Ancillary activities i Food and Agro processing 10520.00 ii Others (Loans to Cooperative Societies of farmers for 480.00 disposing of their produce, Agri Clinics/ Agri Business Centres, Loans to PACS / FSS/ LAMPS, Loans to MFIs for on lending) Sub Total 11000.00 Total Agriculture 146064.73 II Micro, Small and Medium Enterprises i MSME – Investment Credit 42896.00 ii MSME – Working Capital 13405.00 Total MSME 56301.00 III Export Credit 1680.00 IV Education 4200.00 V Housing 5264.00 VI Renewable Energy 24.00 VII Others (Loans to SHGs/ JLGs, loans to distressed 5816.00 persons to prepay non-institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) VIII Social Infrastructure involving bank credit 92.00 Total Priority Sector 219441.73 4 PLP 2016‐17 Kheda Map of the District 5 PLP 2016‐17 Kheda District Profile Predominant Economic activities in the district: Agriculture and animal husbandry are the predominant economic activities in the district. Within animal husbandry, dairy is the most important activity in the district. Poultry is another activity steadily growing in the district. Food processing is also fast growing activity witnessed during the last decade. Papad, powa, pickle and spices in the district have created assured export market in US, Africa, Europe and Australia. The district has the potential to put Gujarat on the world tourist map due to its famous Lord Krishna temple at Dakor. The non-farm activities of the district are confined to demand based and agro based / SSI units. Major food, commercial and plantation / horticultural crops in the district: Paddy, wheat, and bajra are the main food crops in the district. Tobacco, cotton, mustard, castor and fennel are the major commercial crops grown in the district. Mango, lemon, amla, banana and papaya are important plantation and horticultural crops grown. Cultivation of medicinal and aromatic crops has been steadily increasing. There exists very good potential for establishment of fruit processing industry. Recent changes in district rural economy The district is affected by degradation of land in ravine belt of Mahi river. The district has predominantly agrarian economy and the development of NFS is yet to take place.