1 Executive Summary I. General A) Ujjain District Is Situated in the Malwa Plateau in Western Part of Madhya Pradesh. It Has 6
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PLP 2016-17 Ujjain Executive Summary I. General a) Ujjain district is situated in the Malwa Plateau in Western part of Madhya Pradesh. It has 6 blocks with a total geographical area 6091 sq. km. The average rainfall of the district is 892 mm per annum which precipitates in about 45 days. The district population (2011 Census) is 19.86 lakhs with 12.07 lakhs in rural areas. The population below poverty line is 48.69%. The Gross Domestic Product (GDP) of the district during 2012-13 was 2.82% of the state GDP. The total irrigated area as a percentage to net sown area is 62.70%. b) Ground Level Credit Flow (GLC) Total GLC of the district under priority sector which was ₹1574.00 crore during 2012-13, increased to ₹2317 crore during 20113-14 and further to ₹2650 crore during 2014-15. The agricultural loans issued during the last three years were ₹996.14 crore ₹1998.65 crore and ₹1877.02 crore respectively. The disbursements under NFS during the above period were ₹464.35crore, ₹137.30 crore and ₹585.26 crore respectively. c) Highlights of banking benchmarks The district has 187 bank branches with 123 branches of Commercial Banks, 24 branches of Gramin Bank, 28 branches of DCCB, and 172 PACS and 12 branches of Land Development Bank. The performance of banks in achieving the parameters stipulated by RBI was satisfactory under Priority Sector Advances such as CD ratio of 80.10%, PSA advances of 79%, Agricultural Advances of 54%, as against the stipulation of 60%, 40% and 18% respectively. Submission of LBRs by banks has been satisfactory at 90-95%. Achievement under ACP 2014-15 at ₹2697.83 crore formed 80.77% of the target. d) Sectoral assessment of potential (i) The potential, under Priority Sector, in each sector / sub sector for 2016-17 that could be tapped with institutional credit has been assessed and presented in Exhibit B. The potential has been assessed at ₹4766.70crore as against ₹4112.28 crore for the year 2015-16 showing 15.91% growth over previous year. The potential under various sectors include crop loans ₹2506.33 crore, investment credit for agriculture comprising various sectors viz., Water Resources, Land Development, Farm Mechanisation, Forestry, Dairy Development, Poultry, Sheep/goat/piggery, Fisheries, Storage Godowns & Market Yards and Other activities at ₹666.68 crore, Agriculture Infrastructure at ₹224.88 crore, Ancillary Activities at ₹156.54 crore, MSME ₹67.54crore, exports 24.30 crore, education 18.70 crore, Housing 510.75 Crore, Renewable energy 12.56 crore , Infra Support 30.60 crore and others 47.81 crore The potential has been assessed keeping in view the GoI/GoMP’s priorities, existing/likely improvements in infrastructure, past GLC, revision in SoF/Unit Cost and various subsidy schemes of GoI/GoMP. e) Some of the major constraints envisaged in achieving the potential assessed are lack of agri- infrastructure for marketing, agri export zones and issues of milk routes and upgradation of veterinary hospitals etc. Implementation of Vision 2018 document of GoMP would go a long way in realizing the potentials assessed. II. Thrust areas and Developmental Initiatives of NABARD a) In order to realise the theme envisaged in the document, viz., Accelerating the pace of Capital Formation in Agriculture and Allied sector, a few Area Based Schemes have been identified. The sectors identified are Micro warehousing, dairy, fisheries. Tentative banking plans have been prepared for these activities. An estimated amount of ₹139.32 lakh is expected to be financed by banks under these models. The models indicated are only pilots and it is expected that more such schemes will be prepared by banks. b) NABARD had also identified a few thrust areas for 2016-17 viz., JLG/SHG financing, micro warehousing, improving dairy development, Producer Organizations, etc. To promote the above areas, NABARD has also initiated several developmental activities in the form of support to Self Help/JLG Promoting Institutions, conduct of workshops, seminars, training camps, support to farmers clubs, FPOs, farm productivity improvement schemes, Natural Resource Management through Watershed, loan based training for NFS development, etc. 1 PLP 2016-17 Ujjain III. Infrastructure a) The district fares fairly well under some of the infrastructure indicators such as irrigation and literacy levels where the ranking of the district is better than the State average. However certain other indicators such as road density are lower than the State average. Infrastructure facilities act as catalysts for development. Under RIDF, projects were sanctioned by NABARD for the district covering mainly road, bridges, irrigation, schools projects. b) There are certain critical infrastructure which can be supported through private investment in the district viz., setting up of warehouses, micro warehouses, cold storages/cold chains, etc. Banks have to play an active role in financing such investments. IV. Conclusion In order to achieve the overall credit potential assessed and in particular to enhance the capital formation in Agriculture in the district, there is a need to have a coordinated approach by all the stakeholders, viz., banks, Govt.Departments and NGOs. The reporting system by banks through LBRs, regular monitoring of achievements vis-à-vis the targets in DLCC/BLBC meetings assume greater importance. The implementation of SHG, JLG, RuPay enabled KCC and Financial Inclusion drive will ultimately result in achieving the various objectives of inclusive growth in the rural areas of the district. 2 PLP 2016-17 Ujjain Broad Sector wise PLP Projections -2016-17 (₹lakh) PLP Sr. Particulars projections 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 250633.50 ii Term Loan for Agriculture and allied activities 66668.37 Sub Total 317301.87 B Agriculture Infrastructure 22488.42 C Ancillary Activities 15654.06 I Credit Potential for Agriculture (A+B+C) 355444.36 II Micro, Small and Medium Enterprises 56754.00 III Export Credit 2430.00 IV Education 1870.00 V Housing 51075.00 VI Renewable Energy 1255.50 VII Others 4781.25 VIII Social Infrastructure involving bank credit 3060.00 Total Priority Sector (I to VIII) 476670.11 Broad Sector wise PLP Projections 2016-17 MSME, 56754, EXPORT CREDIT, 11.91% 2430, 0.51% EDUCATION, 1870, 0.39% HOUSING, 51075, 10.71% RENEWABLE ENERGY, 1256, 0.26% TOTAL AGRICULTURE, 355444, 74.57% INFRASTRUCTURE OTHERS, 4781, SUPPORT, 3060, 1.00% 0.64% 3 PLP 2016-17 Ujjain Exhibit – B Summary of Sub Sector wise PLP Projections 2016-17 (₹ lakh) Particulars PLP Sr No Projections 2016-17 I Credit Potentials for Agriculture A Farm Credit i Crop production, Maintenance and Marketing 250633.50 ii Water Resources 3565.08 iii Farm Mechanization 19942.08 iv Plantation and Horticulture 5280.40 v Forestry and Waste land development 502.88 vi Animal Husbandry - Dairy 33806.93 vii Animal Husbandry - Poultry 1117.13 viii Animal Husbandry - Sheep, Goat, piggery 1296.63 ix Fisheries 563.25 x Others – Bullock, Bullock carts 594.00 Sub Total 317301.87 B Agriculture Infrastructure i Construction of storage facilities–Storage Godown / Market Yard 14193.75 ii Land Development, Soil conservation & Watershed Develop 6759.68 iii Others – Tissue culture / Agri bio-tech /Seed production etc 1535.00 Sub Total 22488.43 C Ancillary Activities i Food and Agro Processing 14196.06 ii Others – ACABC / FPOs etc 1458.00 Sub Total 15654.06 Total Agriculture 355444.36 II Micro Small and Medium Enterprises 56754.00 III Export Credit 2430.00 IV Education 1870.00 V Housing 51075.00 VI Renewable Energy 1255.50 VII Others (PMJDY/SHG/JLG etc) 4781.25 VIII Social Infrastructure involving Bank Credit 3060.00 Total Priority Sector 476670.11 4 PLP 2016-17 Ujjain 5 PLP 2016-17 Ujjain 6 PLP 2016-17 Ujjain 8 .