PLP 2016-17 District

EXECUTIVE SUMMARY

“Accelerating the pace of capital formation in agriculture and allied sector ” is the main theme of this Potential Linked Credit Plan for 2016-17.

1. Introduction

The Potential Credit Linked Credit Plan(PLP) is intended to provide insight on the potential for development in different sectors of the rural economy, a road map to for extending credit to important important sectors/sub-sectors/activities in the district and for Government departments and various developmental agencies to provide necessary infrastructure and linkage support for the development of various sectors and also coverage their plans with that of banks, thereby facilitating increased credit flow and overall development. is predominantly agrarian with Net Sown Area(133501 ha during 2013-14) of the district constituting 20% of its geographical area(675850 ha). The Gross Cropped Area of the district is 162144 Ha(during 2013-14) with the cropping intensity of 121%. Paddy, maize, blackgram, greengram,groundnut, cotton, sugarcane, banana and vegetable crops are the major crops grown in the district. The district is blessed with perennial rivers viz., Thamiraparani, Vaippar, Nambiar and Hanumanathi. Thamirparani is the major river basin in the district. . The district is also noted with the presence of major irrigation dams viz., Papanasam, Manimuthar, Servalar, Karuppanathi, Gadananathi, Kundaru, etc. The major sources of irrigation are by way of wells(49%), tanks (31%), and canal irrigation (20%) during 2013-14. About 69% of net sown area was irrigated during the year 2013-14. Allied activities of agriculture like dairy and sheep/goat rearing play vital role in the rural economy of the district. There is a vast scope for bringing investments in various sectors of agriculture in the district. 2. Network and Credit flow The district has a well spread out network of bank branches numbering 404 with commercial banks having 304 branches in the district. The district is also benefitted with the significant presence of branches of Grama Bank and Cooperative banks as Pandyan Grama Bank and Tirunelveli District Central Cooperative Bank are operating 56 and 30 branches respectively. There are 6 branches of Urban Cooperative Banks and 8 PLARDBs in the district. The details of ground level credit flow under priority sector lending in the district is given as under: (₹. Lakh) Sectors Achievement Target-2015-16

2012-13 2013-14 2014-15 Crop Loan(a) 229081.57 321812.99 328049.50 276353 .00 Agrl. Term Loan(b) 22085.97 34760.77 63114.73 163647 .0 Total Agrl. credit 251167.54 356573.76 391164.23 440000 .00 (a+b) Micro&Small 21172.67 31383.94 31383.31 39000 .00 Entreprises(c) Other Priority 81772.57 96981.60 108732.00 125000 .00 Sectors(d) Total(a+b+c+d) 354112.78 484939.30 531279.54 604000 .00 The achievement under ACP 2014-15 was ₹.531279.54 lakh against the target of ₹. 479000.00 lakh constituting 111% of the target. The credit flow during the year 2014-15 showed an increase of 9.6% over ₹ 484939.30 lakh disbursed during 2013-14. The achievement under ACP 2014-15

PLP 2016-17 Tirunelveli District

for agriculture was ₹ 391164.23 lakh constituting 116% of the target. The credit flow under the agriculture sector is an increase by 9.7% over the achievement of ₹ 356573.76 lakh during the year 2013-14. The achievement under agriculture constitutes a share of 74% under ACP during the year 2014-15. The achievement under crop loan and Agrl. term loan under Agriculture was in the ratio of 84:16. The credit flow under micro& small entreprises sector and other priority sector during the year 2014-15 was ₹ 31383.31 lakh and ₹ 108732.00 lakh respectively.

3. PLP Projections for the year 2016-17

RBI has revised the Priority Sector Lending (PSL) norms vide circular dated 23 April 2015. Priority Sector has been classified into eight broad sectors viz, (i) Agriculture (ii) Micro, Small and Medium Enterprises (iii) Export Credit (iv) Education (v) Housing (vi) Social Infrastructure (vii) Renewable Energy and (viii) Others. The sub sectors and activities covered under each broad sector have also undergone revision. In view of the changes brought out by RBI in the coverage, composition and classification of activities covered under PSL, the composition and content of PLP for the year 2016-17 have been revised so as to align with the revised guidelines on PSL. The potentials have been arrived under the eight broad sectors indicated above.

Based on the infrastructure and natural resources available, the potential for credit flow has been assessed at ₹ 731391.00 lakh for the year 2016-17 as against the estimate of ₹ 619288.72 lakh for the year 2015-16 thereby indicating an increase of 18.1%. The potential for credit flow under agriculture has been estimated at ₹ 547453.72 lakh for the year 2016-17. The potential under agriculture has increased by 17.71% over the previous year. Under agriculture, the potential for crop loan and agricultural term loan(including Agricultural Infrastructure and Ancilliary activities) has been assessed at ₹ 358959.00 lakh and ₹ 188494.72 lakh respectively for the year 2016-17. Thus the potential for the year 2016-17 has an increase of 12% and 30.36% for the crop loan and agricultural term loan respectively over the previous year. The potential for crop loan and agricultural term loan accounted for 66% and 34% of share under agriculture respectively. In respect of Agriculture term loan, greater credit potential is observed in sectors like Animal Husbandry-Dairy ( ₹ 37343.43 lakh), Farm Mechanization ( ₹ 25362.34 lakh), Plantation and horticulture( ₹ 23402.56 lakh) and Water resources( ₹ 21500.33 lakh). Credit potential for construction of storage facilities has been assessed at ₹ 12210.00 lakh. Credit potential for Food and Agro-processing sector has been estimated at ₹ 12048.00 lakh.

The potential under Micro, small and Medium Enterprises(MSME) sector for the year 2016-17 has been estimated at ₹ 43913.76 lakh. The potential under MSME sector for the year 2016-17 has an increase of 16.8% over the previous year. Credit potential under the sectors viz., Export credit, Education, Housing and Renewable Energy have been assessed separately at ₹ 10000.00 lakh, ₹ 25080.00 lakh, ₹ 29662.50 lakh and ₹ 10909.02 lakh respectively for the year 2016-17. Thrust has been given for other activities viz., Loans to SHGs/ JLGs, loans to distressed persons to prepay non-institutional lenders, PMJDY and loans to state sponsored organisations for SC/ST and credit potential has been estimated at ₹ 58900.00 lakh for the year 2016-17. The activity-wise and block-wise assessment of potential is presented in Annexure I.

4. Critical Infrastructure: Strengthening the irrigation infrastructure in the district is highly essential. Rehabilitation, desilting, strengthening of canals in Thamirabarani and Chitar river basin need to be given priority. Strengthening of Agricutural market infrastructure including construction of adequate number of warehouses and rural godowns is essential to prevent distress sale and wastage. Solar based power generation need to be established to meet the increasing energy requirement in the district.

PLP 2016-17 Tirunelveli District

5. Credit flow monitoring: There is a need to assess and monitor the credit flow in to vital sectors of the economy of the district. Necessary interventions have to be made to ensure credit flow in those sectors. Effective implementation of SAMIS system is essential to have a review on the progress made under Annual Credit Plan(ACP). The submission of LBR-2 returns by the financing banks is about 86% in the district. As such, fora like DCC, BLBC are not able to take concrete review on the progress made under Annual Credit Plan by the different banks in various sectors/sub-sectors/activities. Corrective measures through coordinated approach by all the banks have to be put in place to ensure the realisation of credit potential available in the district.

6. Prime Minister Jan Dhan Yojana(PMJDY) : Consequent to implementation of Financial Inclusion programme, number of branches in the district have gone up to 404. BCs numbering 290 have been appointed by the financing banks. About 3.57 lakh accounts have been opened under PMJDY. Smart cards are being issued for PMJDY accounts. However, there is a need to cover all the 425 panchayat villages with the bank network. There is a need to intensify the PMJDY programme so that all the 6.49 lakh households are covered under the by the banks.

7. Social security schemes: Enrollment under insurance and pension schemes viz Prime Minister Jeevan Jothi Bheema Yojana, Prime Minister Suraksha Bheema Yojana and Atal Pension scheme launched during the year 2014-15 by GOI is being done vigorously by the banks in the district. About 3 lakh people have been enrolled under insurance schemes. Awareness is being created on Pension scheme

8. Kissan Credit Cards(KCCs): The District Central Cooperative bank and Pandyan Grama Bank have issued nearly 24000 KCCs in the district. Though Commercial bank branches have issued RuPay KCC cards, there is a need to cover all the 1.08 lakh cultivators with KCCs/RuPay KCCs in the district.

9. National Rural Livelihood Mission: Adequate credit flow to SHG groups, promotion of activity based lending in SHG segment and encouraging financial intermediation by Panchayat Level Federations continue to be thrust areas for developmental agencies and financial institutions. Credit flow of ₹ 32200.00 lakh has been fixed as target for the year 2015-16 for credit linking 11215 SHGs under National Rural Livelihood Mission in the district.

10. Farmer Producer Organizations(FPOs) : FPOs can render or facilitate many farm related services including aggregation and realisation of better price for the produce to the farmers. Out of 389 farmers clubs functioning in the district , 8 Farmers Club Federations consisting of with 300-500 farmers members in each federation have taken up various developmental activities for the farmer members. Action has been initiated to form five FPOs which will be registered as Farmers Producer Companies for the crop specific clusters viz., pulses, minor millets, lemon, banana and vegetables in the district.

11 . Joint Liability Groups(JLGs) promoted by NABARD has enabled the banks to credit link 1775 JLGs with financial assistance of Rs 4913.84 lakh during the year 2014-15. This has facilitated the over 10000 farm housholds to get crop loans/Kisan Credit Cards and agricultural term loan on collateral free basis in the district. A target of credit linking of 2500 JLGs has been fixed for the banks for the year 2015-16.

12 . Area Development scheme: Based on the needs and potential existing and support schemes available, area development schemes for promoting credit flow in the area of dairy and sheep/goatery have been formulated and are being under implementation in backward blocks

PLP 2016-17 Tirunelveli District

Melaneelithanallur , Kuruvikulam, Manur, Radhapuram, Valliyur and . An area development scheme for promoting sheep/goat farming in the blocks of Sankarankovil, Vasudevanallur and Kadayanallur has been furnished in this document at Chapter 12.

13. Innovative Initiatives: Under Farmers Club Programme of NABARD, farmer club members in Thiruvettanallur village in Sankarankovil block came together formed a Farmer Producer Compnay namely “Ishwaryam Farmers Producer Company Ltd” and started a Agri Sevices Centre selling farm inputs to farmers at Thiruvettanallur village in the district. Pasunthalir Farmers Club Federation in Iansinghampatti village in block consisting of over 300 farmer members have started the Agri inputs service centre at Iansinghampatty village catering to the inputs like seeds, fertilisers, pesticides for the farmers. Farmers get their required inputs in their village itself and at lesser prices.

14. Major constraints observed in achieving credit flow and suggested action points to address the same

Untimely rainfall and declining water resource is the major issue affecting agriculture and allied activities in the district. Watershed development activities, rainwater harvesting structures and micro-irrigations need to be promoted on large scale and farmers need to be educated on optimal use of water.

Land development activities need to be taken in large scale to bring the vast area of fallow lands in to cultivation in the blocks of Manur, Melaneelithanallur, Sankarankovil, Vasudevanallur, Kuruvikulam, Nanguneri and Radhapuram. Land reclamation measures need to be supported n coastal blocks of Nanguneri and Radhapuram to bring ‘theri lands under cultivation.

Non-availability of labour for agricultural operations need to be tackled with introduction of user friendly farm machineries like Power tillers, transplanters, power weeders, threshers, harvestors, etc need to be supported with credit linked incentives.

Animal Husbandry activities viz., dairy, sheep/goatery and poultry have emerged as alternate or supplemental income generating activity for farmers especially in the unsafe blocks of the district. The activities are also popular among SHG groups which are having significant presence in the district. Technical support and infrastructure requirement need to be addressed to ensure adequate credit flow for these activities.

Hassle free clearances for establishment of market infrastructure and financial support from the banks are essential for strengthening agricultural market infrastructure in the district.

Solar based applications need to be promoted in agriculture and domestic uses. Credit linked subsidy schemes available for solar based home lighting systems, water heating systems, water pumping systems need to be popularised in the villages.

PLP 2016-17 Tirunelveli District

Appendix A to Annexure I BROAD SECTOR - WISE PROJECTIONS- 2016-17 State : District : Tirunelveli

(₹. lakh) Sl. PLP Projections Sector No. 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 358959.00

ii Term Loan for agriculture and allied activities 148799.26

Sub-Total 507758.26 B Agriculture Infrastructure 25104.96

C Ancillary activities 14590.50

I Credit Potential for Agriculture (A+B+C) 547453.72 II Micro, Small and Medium Enterprises 43913.76

III Export Credit 10000.00

IV Education 25080.00

V Housing 29662.50

VI Renewable Energy 10909.02

VII Others 58900.00

VIII Social Infrastructure involving bank credit 5472.00

Total Priority Sector (I to VIII) 731391.00

PLP 2016-17 Tirunelveli District

Appendix B to Annexure I

SUMMARY OF SECTOR/SUB-SECTOR-WISE PROJECTIONS - 2016-17 State : Tamil Nadu District : Tirunelveli (₹. lakh) Sl. Sector PLP Projections No. 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance & Marketing 358959.00 ii Water Resources 21500.33 iii Farm Mechanisation 25362.34 iv Plantation & Horticulture(Inclusive Sericulture) 23402.56 v Forestry & Wasteland Development 4567.50 vi AH - Dairy 37343.43 vii AH - Poultr y 14039.49 viii AH - Sheep/Goat/Piggery etc 14119.20 ix Fisheries(Marine, inland & brackish water) 6171.03 x Others(Bullocks, Bullock cart, etc) 2293.38 Sub -Total 507758.26 B Agriculture Infrastructure i Construction of Storage Facilities (warehouses,market 12210.00 ii Land development, Soil conservation, Watershed 10136.39 development iii Others (Tissue culture, Agri bio -technology etc) 2758.57 Sub -Total 25104.96 C Ancillary activities i Food and Agro processing 12048.00 ii Others (Loans to Coop. Societies of farmers, ACABC, 2542.50 Loans to PACS / FSS/ LAMPS, Loans to MFIs for on lending) Sub -Total 14590.5 0 Total Agriculture (A+B+C) 547453.72 II Micro, Small and Medium Enterprises i MSME – Working capital 22411.25 ii MSME – Investment credit 21502.51 Total MSME 43913.76 III Export Credit 10000.00 IV Education 25080.00 V Housing 29662.50 VI Renewable Energy 10909.02 VII Others (Loans to SHGs/ JLGs, PMJDY etc ) 58900.00 VIII Infrastructure Support 5472.00 Total Priority Sector 731391.00

PLP 2016-17 Tirunelveli District

District Profile

District - TIRUNELVELI State - TAMILANDU Division -

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 6759 Agro-climatic Zone Region : 6 Zone 11 No. of Sub Divisions 3 No. of Blocks 19 Climate Hot humid climate. Temperature-Maximum 36.1 and Minimum : 21.3 No. of Villages (Inhabited) 616 Soil Type Red loam and Black soils No. of Panchayats 425 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 675850 Normal 2011-12 2012-13 2013-14 Actual Forest Land 127758 Rainfall [in mm] 845 919 648 1034 Area put to non-agrl uses 1031348 Variation from Normal 74(excess) 197(defeicit) 189(excess) Permanent Pasture and Grazing Land 5156 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 8446 Water [Ham] 89740 46640 43100 Cultivable Wasteland 35319 5. DISTRIBUTION OF LAND HOLDING Current Fallow 42064 Holding Area Classification of Holding Other Fallow 190778 Nos. % to Total Ha. % to Total Net Sown Area 133501 <= 1 Ha 242090 83 78264 37 Total or Gross Cropped Area 162144 >1 to <=2 Ha 30716 11 42602 20 Area Cultivated More than Once 28643 >2 Ha 19546 7 90895 43 Cropping Intensity [GCA/NSA] 121 Total 292352 100 211761 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 108 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 112 Population 3077 1521 1556 1557 1520 Agricultural Labourers 321 Scheduled Caste 569 279 290 NA NA Workers engaged in Household Industries215 Scheduled Tribe 10 5 5 NA NA Workers engaged in Allied Agro-activities464 Literate 2298 1224 1074 1110 1188 Other workers 505 BPL 443 NA NA NA NA 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 649 Having brick/stone/concrete houses408 Having electricity supply 542 Rural Households 355 Having source of drinking water436 Having independent toilets 199 BPL Households 141 Having access to banking services155 Having radio/tv sets 649 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 616 Anganwadis 2398 Dispensaries 7 Villages having Agriculture Power Supply616 Primary Health Centres 89 Hospitals 18 Villages having Post Offices 550 Primary Health Sub-Centres383 Hospital Beds 3316 Villages having Banking Facilities 325 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 616 Fertiliser/Seed/Pesticide Outlets [Nos]692 Agriculture Pumpsets[Nos] 80297 Villages having Primary Health Centres 445 Total N/P/K Consumption [MT]80100 Pumpsets Energised [Nos] 78999 Villages having Potable Water Supply 445 Certified Seeds Supplied [MT]1400 Agro Service Centres [Nos] 1 Villages connected with Paved Approach Roads616 Pesticides Consumed [MT]53 Soil Testing Centres [Nos] 1 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos]2413 Plantation nurseries [Nos] 15 Total Area Available for Irrigation (NIA + Fallow)329457 Power Tillers [Nos] 477 Farmers' Clubs [Nos] 389 Irrigation Potential Created 42746 Threshers/Cutters [Nos] 123 Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 85533 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 16466 Rural/Urban Mandi/Haat [Nos]11 Wholesale Market [Nos] 1 Area irrigated by Wells 42103 Length of Pucca Road [Km]3088 Godown [Nos] 209 Area irrigated by Tanks 26964 Length of Railway Line [Km]202 Godown Capacity[MT] 109730 Area irrigated by Other Sources NIL Public Transport Vehicle [Nos]787 Cold Storage [Nos] 5 Irrigation Potential Utilized (Gross Irrigated Area)111212 Goods Transport Vehicle [Nos]374 Cold Store Capacity[MT] 125 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) 87 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) 1 Paddy 45402 3937488 86725 454005 5235 Fruit (Pulp/Juice/Fruit drink) Millets 14079 166695 11840 106015 8954 Spices (Masala Powders/Pastes) Pulses 15060 247481 16433 26227 1596 Dry-fruit (Cashew/Almond/Raisins) Oilseeds 18656 39495 2117 4755 2246 Cotton (Ginnining/Spinning/Weaving) 40 Cotton 2510 6830 2721 2590 952 Milk (Chilling/Cooling/Processing) 2 150000 Sugarcane 3534 11906 3369 276305 82014 Meat (Chicken/Motton/Pork/Dryfish) Banana 8626 7176 Animal feed (Cattle/Poultry/Fishmeal) Production of Cotton(lint) is in Bales(177.8 kg per bale in India) 17. ANIMAL POPULATION AS PER CENSUS 2012 [No] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos]135 Animal Markets [Nos] NIL Cattle - Cross bred 308385 38951 269434 Disease Diagnostic Centres [Nos] 2 Milk Collection Centres [Nos] 312 Cattle - Indigenous 334112 12999 321113 Artificial Insemination Centers [Nos]-- Fishermen Societies [Nos] Buffaloes 32408 4283 28125 Animal Breeding Farms [Nos]1 Fish seed farms [Nos] 2 Sheep - Cross bred 51630 15896 35734 Animal Husbandry Tng Centres [Nos]1 Fish Markets [Nos] Sheep - Indigenous 251475 70337 181138 Dairy Cooperative Societies [Nos]312 Poultry hatcheries [Nos] 1 Goat 330230 97568 232662 Improved Fodder Farms [Nos]3 Slaughter houses [Nos] 1 Pig - Cross bred 3343 1314 2029 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 6048 2554 3494 Fish Production [MT]17815 Per cap avail. [gm/day] Horse/Donkey/Camel 27 16 11 Egg Production [Lakh Nos]155 Per cap avail. [nos/p.a.] Poultry - Improved 33382 10321 23061 Milk Production ['lakh LPD]181 Per cap avail. [gm/day] Poultry - Indigenous 322236 86597 235639 Meat Production [MT] Per cap avail. [gm/day]

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 Survey 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - Dept. of Agriculture; Item No. 17 - AH Census 2012; Item Nos. 18 & 19 - Dir. of Animal the respective item): Hus./Dir. of Eco. & Stat. PLP 2016-17 Tirunelveli District

Banking Profile

District - TIRUNELVELI State - TAMILNADU Lead Bank -

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 30 304 104 117 83 6 18239 170 1.4 2156 1 56 29 25 2 3147 120 7.6 11589 District Central Coop. Bank 1 30 15 9 6 2059 14.2 21633 Coop. Agr. & Rural Dev. Bank 1 8 8 36.9 81125 Primary Agr. Coop. Society 163 163 163 2.6 3982 Others 3 10 10 42.5 64900 All Agencies 199 571 311 151 109 6 23445 290 0.75 1721 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs.Crore] 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 8256.18 9574.26 10844.45 13.27 86.09 Regional Rural Bank NA NA NA NA NA 782.5 875.49 977.9 11.70 7.76 Cooperative Banks NA NA NA NA NA 425.5 517.19 742.53 43.57 5.89 Others NA NA NA NA NA 3.59 31.51 0.25 All Agencies NA NA NA NA NA 9467.77 10966.94 12596.39 14.86 100 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.Crore] 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 7373 9286 10327 11.21 85.8 Regional Rural Bank NA NA NA NA NA 859 959 869 -9.38 7.2 Cooperative Banks NA NA NA NA NA 563 773 779 0.73 6.5 Others NA NA NA NA NA 55 55 0.5 All Agencies NA NA NA NA NA 8795 11073 12030 8.64 100 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 89.30 96.99 95.23 Commercial Banks NA NA NA NA Regional Rural Bank 109.74 109.53 88.86 Regional Rural Bank NA NA NA NA Cooperative Banks 132.43 149.46 104.87 Cooperative Banks NA NA NA NA Others Others NA NA NA NA All Agencies 92.90 100.97 95.50 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 % of Total Amount % of Total Amount % of Total Amount % of Total Amount % of Total [Rs.Crore] Loans [Rs.Crore] Loans [Rs.Crore] Loans [Rs.Crore] Loans [Rs.Crore] Loans Commercial Banks 7715 74.7 4142 40.1 1393 13 35 0.33 1039 10 Regional Rural Bank 848 97.6 540 62.2 417 48 161 19 Cooperative Banks 255 32.7 186 23.9 23 3 8 14 Others 2 3 All Agencies 8818 73.3 4869 40.5 1833 15 35 0.06 1210 10 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Agency Target [Rs.lakh] Ach'ment [Rs. lakh] Ach'ment [%] Target Ach'ment Target Ach'ment Ach[%] in Ach'ment [%] Ach'ment [%] [Rs.lakh] [Rs. lakh] [Rs.lakh] [Rs. lakh] last 3 years Commercial Banks 265372 295892 112 328711 388831 118 368758 419031 114 114 Regional Rural Bank 41858 43079 103 65889 67686 103 77694 74233 96 100 Cooperative Banks 15812 15141 96 22400 26618 119 30593 37320 122 112 Others 1805 1955 696 All Agencies 323042 354112 110 417000 484939 116 479000 531280 111 112 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Broad Sector Target [Rs.lakh] Ach'ment [Rs. lakh] Ach'ment [%] Target Ach'ment Target Ach'ment Ach[%] in Ach'ment [%] Ach'ment [%] [Rs.lakh] [Rs. lakh] [Rs.lakh] [Rs. lakh] last 3 years Crop Loan 201982 229082 113 195908 321813 164 220850 328050 149 142 Term Loan (Agr) 26070 22086 85 96492 34761 36 117550 63115 54 58 Total Agri. Credit 228051 251168 110 292400 356574 122 338400 391164 116 116 Non-farm Sector 22524 21173 94 29520 31384 106 34000 31383 92 98 Other Priority Sector 72467 81773 113 95080 96982 102 106600 108732 102 106 Total Priority Sector 323042 354113 110 417000 484939 116 479000 531280 111 112 9. RECOVERY POSITION 2012-13 2013-14 2014-15 Average Rec. Agency Demand [Rs. lakh] Recovery [Rs. lakh] Recovery [%] Demand [Rs. Recovery [Rs. Demand [Rs. Recovery [Rs. [%] in last 3 Recovery [%] Recovery [%] '000] '000] '000] '000] years Commercial Banks NA NA NA NA NA NA NA NA NA NA Regional Rural Bank NA NA NA NA NA 89 NA NA NA NA Cooperative Banks 30069 29060 97 36134 34440 95 NA NA 96 95.99 Others NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA NA NA NA

Sources : Lead Bank