Executive Summary

PLP 2016-17 Vizianagaram

EXECUTIVE SUMMARY

1 Salient features of Vizianagaram District Vizianagaram district is predominantly an agricultural district as 60% of the workers are engaged in agriculture and about 79% of the population in the district who live in rural areas are depending on agriculture directly or indirectly for their livelihood. Rainfed farming is the characteristic feature of agriculture in the district as about 53% of its area is cultivated purely under rainfed conditions. Agriculture is the major economic activity and major crops grown in the district are rice, groundnut, mesta, sugarcane, cotton, maize, ragi, bajra and pulses during rabi season. The average yields obtained in the district are low due to the erratic rainfall. Being quite close to Visakhapatnam city, and with well-connected road, rail and air connectivity, the district has an advantage in producing and marketing of products.

2 Banking profile and Annual Credit Plan

The district had 31 banks with 270 branches as on 31 March 2015 - 178 Commercial Bank branches, 76 branches of Andhra Pradesh Grameena Vikas Bank, 16 DCC Bank branches and AP State Financial Corporation and 94 PACS affiliated to the Vizianagaram DCCB also cater to the credit needs in the district. The total deposits and advances outstanding of all the banks in the district as on 31 March 2015 stood at `4997.47 crore and `4164.03 crore respectively. The CD ratio as on that date stood at 83%. The Annual Credit Plans for the year 2012-13, 2013-14 and 2014-15 set a target of `1731 crore, `2200 crore and `2468 crore under priority sector respectively. The achievements under ACP during the period stood at `2062 crore, `1906 crore and `1050 crore respectively.

3 PLP projections for 2016- 17

NABARD in the year 2012-13 had prepared base PLP for five years co-terminus with XII Plan. The base PLP projected a five year credit potential under Priority sector covering Primary, Secondary and Tertiary sectors, with emphasis on the primary sector. Taking into account the changes in the composition of priority sector brought in by the Reserve Bank of India, the composition of PLP 2016-17 has also been modified and presented under Farm Credit, Agriculture Infrastructure, Ancillary Activities, Micro, Small and Medium Enterprises (MSME), Export Credit, Education, Housing, Renewal Energy and other.

NABARD has estimated an exploitable potential of `3579.13 crore under Priority Sector for the year 2015-16 and the Annual Credit Plan has set a target of `2785 crore, an increase of 12.8% over the previous year under priority sector lending. Agriculture being the core sector of the district, an amount of `2040 crore has been earmarked. Crop loans being thrust area under Agriculture Sector, an amount of `1444 crore has been allotted under crop loans constituting 52% of the total priority sector advances. An amount of `208 crore has been projected under agricultural term loans and `388 crore under Allied activities. The share of agricultural lending both crop loans and term loans formed 73% of the total priority sector lending for the year 2015-16.

The potential for the year is estimated keeping in view the revised Priority Sector Guidelines, taking into account important developments that have a bearing on the likely credit flow to various sectors, viz., revision in the scales of finance and unit costs, various initiative proposed by the State Govt for achieving double digit growth under Primary Sector Mission, etc. The exploitable potential for the year 2016-17 has been estimated at `451897.68 lakh. The credit potential for agricultural has been estimated at `293,447.51 lakh forming 65% of the total projections, while the share of Other Priority Sector and MSME stood at 22% and 11% respectively.

PLP 2016-17 Vizianagaram

4 Sector wise credit potential and critical interventions a) Crop production Short term credit for crop production plays an important role in changing the face of economic scenario of the district. Provision of adequate and timely credit, mechanization of farming operations, availability of quality seeds, coverage of non-loanee farmers and financing tenant farmers through JLG/LCEC mode, implementation of revised KCC norms, utilization of extension officers exclusively for extension job, setting up custom hiring centres will enhance the credit flow under crop production. A credit potential of `215,290.81 lakh has been assessed for the activity for the year 2016-17. With the initiative of GoAP, digitization of land records would help the banks in mitigating the problems associated with improper documents / land titles. b) Water Resources With the launching of Thotapalli project, it is expected that 40,000 ha. would be brought under assured irrigation. Expanding cultivable area under assured irrigation, improving on farm water use efficiency to reduce wastage of water, energization of pump set with solar power, financing new farm ponds/rain water harvesting structures would maximize water availability and creation of awareness on conjunctive use of water etc. are important steps for tapping the available potentials under the sector. A credit potential of `7621.05 lakh has been assessed for the activity for the year 2016-17. c) Farm Mechanization In order to encourage mechanization in agriculture, more focus is to be on usage of tractor driven farm implements, transplantors, power tillers, threshers, rotovators, etc. Extending credit for setting up of custom hiring centres for maize, etc., has good potential. A credit potential of ` 4762.62 lakh has been estimated for the activity for the year 2016-17. d) Plantation and Horticulture Horticulture is one of the thrust areas in the overall development of the district and sustainable development of Horticulture is aimed at by increasing area, productivity, by encouraging post-harvest management. Ample scope exists for expanding the area under mango, cashew, oil palm and vegetable cultivation. Intensive vegetable production, necessary management under protected cultivation (poly houses / shade nets) is also being promoted in specific locations in the district. Keeping in view the requirements of the sector, a credit potential of `4992.93 lakh (including Sericulture) has been estimated for the activity for the year 2016-17. e) Animal Husbandry Dairy is one the activities having scope for implementing the Area Development Plan Creation of awareness among the rural populace on the importance of dairying as a livelihood activity will have large positive impact on the sector. The other intervention which will have impact on the sector is promotion of calf-rearing in induction of quality animals from the neighbouring states. An amount of `23220.83 lakh, `2066.22 lakh and `1607.31 lakh has been assessed for Dairy, Poultry and Sheep & Goat rearing for the year 2016-17. f) Agriculture infrastructure Keeping in view the revision in the priority sector guidelines, a separate chapter ‘Agriculture Infrastructure’ has been introduced this year with projections for construction of storage facilities, land development & others. A credit potential of `1077.48 lakh, `2103.37 lakh and `2077.72 lakh has been assessed for these activities respectively for the year 2016-17.

PLP 2016-17 Vizianagaram g) Micro, Small & Medium Enterprises (MSME) Initiatives of the Government of India under Make in India programme and identification of Mining, manufacturing, MSME under industries sector and Education, Trade, Transport, Hotels, Health care, etc., under service sector for achieving double digit growth under Primary Sector Mission would encourage give boost for industrialization of the district. A credit potential of ` 51926.40 lakh has been estimated for the year 2016-17. h) Informal Credit Delivery System In order to strengthen SHG movement in the district, the future roadmap for strengthening the SHG movement may include Identification of potential activities for setting up of Micro Enterprises and motivating members for taking up the activity, training and capacity building of identified SHG members who are availing higher doses of finance under the programme, identification of dormant groups and initiate steps for their revival, training and capacity building of stakeholders including bank branches and other staff of banks, strengthening recovery mechanism at branch/mandal level, etc. A credit potential of `105,648 lakh has been assessed for the activity for the year 2016-17 of which an amount of `31,94.33 lakh has estimated for lending to SHGs for various agricultural purposes. The district has ample potential for development of agriculture, horticulture, animal husbandry and fisheries sectors. Further, proximity to Visakhapatnam port provides good scope for development of MSME and mining sectors. Initiatives of the State Government under Primary Sector Mission and improvement in extension support would result in higher demand for credit. Under Primary Sector Mission, Agriculture, horticulture, livestock and fisheries have been identified for ensuring double digit growth and sector specific strategies are being implemented by the State Government. NABARD has been extending concessional refinance to RRBs and Cooperative Banks under Long Term Rural Credit Fund to give a boost to long term investment credit. Banks need to extend hassle free and timely credit as per scale of finance and unit cost. Coverage of tenant farmers and extending credit facilities for setting up of MSME units may help in exploiting the potentials estimated under PLP 2016-17.

PLP 2016-17 Vizianagaram

Annexure II Broad Sector wise PLP Projections - 2016-17 (Rs.lakh) S.No Particulars Projections 2016-17 A Farm Credit i Crop Production, Maintenace, Marketing 215290.81 ii Term Loan for Agriculture and allied activites 78156.70 Sub Total 293447.51 B Agriculture Infrastructure 5258.56 C Ancillary Activities 2205.00 I Credit Potential for Agriculture (A+B+C) 300911.07 II Micro, Small and Medium Enterprises 51926.40 III Export Credit 360.00 IV Education 7040.00 V Housing 16317.00 VI Renewable Energy 922.91 VI Others 74112.30 VIII Social Infrastructure involving bank credit 308.00 Total Priority Sector (I to VIII) 451897.68

PLP 2016-17 Vizianagaram

Summary of Sector/Sub-Sector wise PLP Projections - 2016-17 (Rs.lakh) PLP Projections S.No Particulars 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenace, Marketing 215290.81 ii. Water Resources 7621.05 iii Farm Mechinisation 4762.62 iv Plantation and Horticulture (including Sericulture) 4992.93 v Forestry and Waste land Development 750.34 vi Animal Husbandry - Dairy 23220.83 vii Animal Husbandry - Poultry 2066.22 viii Animal Husbandry - Sheep, Goat,Piggery, etc 1607.31 ix Fisheries (Marine, Inland, Brackish Water) 768.33 x Others - Bullock, Bullock cart, etc 32367.08 Sub Total 293447.51 B Agriculture Infrastructure Construction of storage facilities (Warehouses, Market yards, i Godowns, Silos, Cold Storage units/Cold storage chains) 1077.48 ii. Land Development, Soil conservation, Watershed development 2103.37 Others(Tissue culture, Agri bio-technology, Seed production, Bio iii pesticides/fertilizers, Vermin Composting) 2077.72 Sub Total 5258.56 C Ancillary Activities i Food and Agro Processing 1556.00 Others ( Loans to Cooperative Societies of farmers for disposing of their produce, Agri clinics/Agri Business Centres, Loans to ii PACS/FSS/LAMPS, loans to mFIs for onlending) 649.00 Sub Total 2205.00 Total Agriculture 300911.07 II Micro, Small and Medium Enterprises i MSME - Working Capital 27078.40 ii MSME - Investment Credit 24848.00 Total MSME 51926.40 III Export Credit 360.00 IV Education 7040.00 V Housing 16317.00 VI Renewable Energy 922.91 Others (Loans to SHGs/JLGs, loans to distressed persons to prepay non-institutional lenders, PMJDY, loans to state VII sponsored organisations for SC/ST) 74112.30 VIII Social Infrastructure involving Bank credit 308.00 Total Priority Sector 451897.68

At a Glance

Total Geographic Area : 6539 sq km Coastline : 28 km Gross Cropped Area : 3.57 lakh Ha Net irrigated area : 1.38 lakh HA Rivers : Nagavali, Gosthani, Champavathi Percentage area under agri and allied activities : 74.73%

Major Crops/ Activities Production (in Million MTs.)

Rice Maize 0.31 0.12 Sugarcane Banana 11.76 0.19 Mango Vegetables 0.54 0.23 Coconut Meat 124.5 0.23 Mln No. nuts

Agricultural Research Stations VIZIANAGARAM KVK Rastakuntabai

PLP 2016-17 Vizianagaram

District Profile

District - VIZIANAGARAM State - ANDHRA PRADESH Division - 2

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 6539 Agro-climatic Zone Zone Two and Seven I.e North Coastal Zone and High Altitude Tribal No. of Sub Divisions 2 No. of Blocks 34 Climate Characterized by High Humidity and Rains during Monsoons No. of Villages (Inhabited) 1452 Soil Type Red Soils, Sandy Loams and Sandy Clay constitute 96 % No. of Panchayats 921 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 653900 Rainfall [in mm] Normal Actual 2011-12 2012-13 2013-14 Forest Land 119303 1131 891 1216 1239 Area Not Available for Cultivation 73003 Variation from Normal 79 108 110 Permanent Pasture and Grazing Land 5231 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 10535 81853 17233 64620 Cultivable Wasteland 4243 5. DISTRIBUTION OF LAND HOLDING Current Fallow 22584 Classification of Holding Holding Area Other Fallow 78522 Nos. % to Total Ha. % to Total Net Sown Area 262644 <= 1 Ha 345424 75 128031 35 Total or Gross Cropped Area 357894 >1 to <=2 Ha 67198 16 92850 27 Area Cultivated More than Once 95250 >2 Ha 34219 9 121484 38 Cropping Intensity [GCA/NSA] 36 Total 446841 100 342365 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 212 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers - Population 2344.48 1161.48 1182.99 1853.56 490.91 Agricultural Labourers 557 Scheduled Caste 247.73 121.49 126.24 190.37 57.35 Workers engaged in Household Industries 27 Scheduled Tribe 235.56 114.69 120.87 226.13 9.43 Workers engaged in Allied Agro-activities 66 Literate 1238.39 707.50 530.89 891.84 346.55 Other workers 360 BPL 1606.64 799.69 806.95 1312.07 294.57 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] - NA Total Households 587149 Having brick/stone/concrete houses 411004 Having electricity supply 433518 Rural Households 463526 Having source of drinking water 570147 Having independent toilets 293575 BPL Households 347124 Having access to banking services 393274 Having radio/tv sets 499077 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 1483 Anganwadis 3729 Dispensaries Agriculture Service Connections 31469 Primary Health Centres 68 Hospitals 17

(Villages having Post Offices-NA) No of Pos 757 Primary Health Sub-Centres Hospital Beds 1194

(Villages having Banking Facilities-NA) No of branches 251 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 1410 Fertiliser/Seed/Pesticide Outlets [Nos] 437 Agriculture Pumpsets[Nos] 33919 Villages having Primary Health Centres 105 Total N/P/K Consumption [MT] 13172 Pumpsets Energised [Nos] 33919 Villages having Potable Water Supply 664 Certified Seeds Supplied [MT] 73875 Agro Service Centres [Nos] 34 Villages connected with Paved Approach Roads 613 Pesticides Consumed [MT] 24 Soil Testing Centres [Nos] 2 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] Plantation nurseries [Nos] 6 Total Area Available for Irrigation (NIA + Fallow) 239123 Power Tillers [Nos] 120 Farmers' Clubs [Nos] 510 Irrigation Potential Created 161650 Threshers/Cutters [Nos] 45 Krishi Vigyan 1 Net Irrigated Area(Total area irrigated at least once) 138017 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 44906 Rural/Urban Mandi/Haat [Nos] 96 Wholesale Market [Nos] 5 Area irrigated by Wells 32579 Length of Pucca Road [Km] 3488 Godown [Nos] 115 Area irrigated by Tanks 79057 Length of Railway Line [Km] 260 Godown Capacity[MT] 98000 Area irrigated by Other Sources 5108 Public Transport Vehicle [Nos] 445 Cold Storage [Nos] 5 Irrigation Potential Utilized (Gross Irrigated Area) 176641 Goods Transport Vehicle [Nos] 6523 Cold Store Capacity[MT] 13640 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Avg. Yield Type of Processing Activity No of units Cap.[MT] Crop 2013-14 2014-15 [Kg/Ha] Yield(Kg/Ha Food (Rice/Flour/Dal/Oil/Tea/Coffee) 676 490 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) ) Sugarcane (Gur/Khandsari/Sugar) 2 482245 Rice 116778 347064 124289 311964 2510 Fruit (Pulp/Juice/Fruit drink) 6 Cotton 15303 2540 15256 5309 156 Spices (Masala Powders/Pastes) Ground Nut 11305 15000 8206 11073 1349 Dry-fruit (Cashew/Almond/Raisins) 3 Maize 28652 121795 30175 127128 4213 Cotton (Ginnining/Spinning/Weaving) Pulses 34155 13970 34019 13437 395 Milk (Chilling/Cooling/Processing) 4 28896 Sesamum 13582 1955 22516 5572 247 Meat (Chicken/Motton/Pork/Dryfish) Sugarcane 16894 955947 17820 1176120 66000 Animal feed (Cattle/Poultry/Fishmeal) Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 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] 169 Animal Markets [Nos] 10 Cattle - Cross bred 385119 89016 105988 Disease Diagnostic Centres [Nos] 11 Milk Collection Centres 641 Cattle - Indigenous Artificial Insemination Centers [Nos] 354 Fishermen Societies [Nos] 54 Buffaloes 133056 30798 102258 Animal Breeding Farms [Nos] 1 Fish seed farms [Nos] 1 Sheep - Cross bred Animal Husbandry Tng Centres [Nos] 1 Fish Markets [Nos] 3 Sheep - Indigenous 423123 122415 300708 Dairy Cooperative Societies [Nos] 349 Poultry hatcheries [Nos] 2 Goat 173751 63643 110108 Improved Fodder Farms [Nos] 34 Slaughter houses [Nos] 5 Pig - Cross bred 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 10151 2350 7801 Fish Production [MT] 39480 Per cap avail. [gm/day] 46 Horse/Donkey/Camel 214 Egg Production [Lakh Nos] 3232 Per cap avail. [nos/p.a.] 14 Poultry - Cross bred 3537927 Milk Production ['000 MT] 449 Per cap avail. [gm/day] 52 Poultry - Indigenous Meat Production [MT] 23000 Per cap avail. [gm/day] 27

Sources (if not mentioned against the Item Nos. 1, 6, 7, 9 & 10 - Census 2001; 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 respective item): Survey 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 – DA

PLP 2016-17 Vizianagaram

Banking Profile

District - VIZIANAGARAM State - ANDHRAPRADESH Lead Bank - STATE BANK OF INDIA

1. NETWORK & OUTREACH (As on 31 March 2015) No. of No. of Branches No. of non-formal agencies associated Per Branch Outreach Agency Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households Scheduled Commercial Banks 29 178 72 57 49 - - 684 8 3299 Regional Rural Bank 1 76 63 6 7 - - 259 19 7726 District Central Coop. Bank 1 16 3 11 2 - - - 91 36697 Coop. Agr. & Rural Dev. Bank Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil Primary Agr. Coop. Society 94 94 94 - - - - - 15 6246 Others 3 3 1 1 1 9 34350 - 484 195716 All Agencies 128 367 233 75 59 9 34350 943 4 1600 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs.'000] Agency 31-Mar-12 31-Mar-14 31-Mar-15 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) Scheduled Commercial Banks 329876 2631213 3559022 35.26 80.84 33457505 42800748 42306881 98.85 84.66 Regional Rural Bank 299517 511840 763959 49.26 17.35 4557700 7331100 7069216 96.43 14.15 Cooperative Banks 64936 64936 74899 15.34 1.70 461195 512287 576605 112.56 1.15 Others 4495 4495 4495 - 0.10 10920 10920 22000 201.47 0.04 All Agencies 698824 3212484 4402375 37.04 100 38487320 50655055 49974702 98.66 100.00 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(%) Scheduled Commercial Banks 211571 261820 263289 23.75 53.54 15756400 36030944 32032459 88.90 78.91 Regional Rural Bank 109569 114831 111184 4.80 23.48 5536000 7378800 7204060 97.07 16.16 Cooperative Banks 125000 110134 111034 -11.89 22.52 2644038 2225426 2362007 6.14 4.87 Others 2272 2272 3550 36.00 0.46 69300 25500 41736 38.90 0.15 All Agencies 448412 3212485 489057 -84.78 100 24005738 45660670 41640262 90.21 100.10 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 Scheduled Commercial Banks 47 84 76 Scheduled Com Banks - - - - Regional Rural Bank 121 101 102 Regional Rural Bank - - - - Cooperative Banks 573 434 410 Cooperative Banks - - - - Others 635 234 190 Others - - - - All Agencies 62 90 83 All Agencies - - - - 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.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans

Scheduled Commercial Banks 7244146 67 5373160 61 1496839 98 1434 100 285317 14 Regional Rural Bank 2537658 24 2401215 27 37262 2 - - 1720130 86 Cooperative Banks 943658 9 943658 11 ------Others 41736 0 41736 0 ------All Agencies 10767198 100 8759769 100 1534101 100 1434 100 2005447 100 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Avg Ach[%] in 2012-13 2013-14 2014-15 last 3 years Agency Target Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment [Rs. Ach'ment [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] '000]

10011700 12021300 12236900 10522700 Scheduled Commercial Banks 120 86 14073420 7095400 50 85 5052100 5764700 6640000 5767900 Regional Rural Bank 114 87 7511000 2537551 34 78 1792000 2723300 2554700 2708500 Cooperative Banks 152 106 2716940 863600 32 97 456000 112800 566300 57800 Others 25 10 378640 4700 1 12 17311800 20622100 24680000 10501251 All Agencies 119 21997900 19056900 87 43 83 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Avg Ach[%] in 2012-13 2013-14 2014-15 last 3 years Broad Sector Target Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment [Rs. Ach'ment [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] '000]

Crop Loan 6508500 9255000 142 10000000 11619300 116.19 12200000 6010551 49.27 103 Term Loan (Agr) 5074900 5185900 102 5300000 2303800 43.47 4400000 2564200 58.28 68 Total Agri. Credit 11583400 14440900 125 15300000 13923100 91.00 16600000 8574751 51.66 89 Non-Farm Sector 1954400 2220300 114 2600000 1233200 47.43 2800000 705300 25.19 62 Other Priority Sector 3774000 3960900 105 4100000 3900600 95.14 5280000 1221200 23.13 74 Total Priority Sector 17311800 20622100 119 22000000 19056900 86.62 24680000 10501251 42.55 83 9. RECOVERY POSITION Avg Ach[%] in 2012-13 2013-14 2014-15 last 3 years Agency Demand Recovery Recovery Demand Recovery Recovery Demand Recovery [Rs. Recovery [%] [Rs. '000] [Rs. '000] [%] [Rs. '000] [Rs. '000] [%] [Rs. '000] '000]

Scheduled Commercial Banks ------Regional Rural Bank ------Cooperative Banks ------Others ------All Agencies ------

Sources : Lead Bank & SLBC 10