PLP 2016-17 District

EXECUTIVE SUMMARY

The theme for the PLP 2016-17 is “Accelerating the pace of capital formation in Agriculture and Allied Sector.” The total geographical area of is 5,942 sq.km divided into four sub- divisions. There are 7 talukas in Thane district. As per 2011 census, the district has a population of 59.89 lakh. The average density of population is 1,008 per sq.km as against the State position of 365 per sq.km. Of the total population 77% lives in urban areas. The district receives an average normal annual rainfall of 2,517 mm and the actual rainfall during the year 2014-15 was 2,511 mm. The farming in the district is predominantly rainfed and paddy is the main crop grown during Kharif season. Other crops grown are nagali, varai, urad, soyabean, groundnut, etc. Major horticultural crops are mango, cashew and banana. Vegetables are grown under irrigation in , and talukas. Aqua-culture is the vital activity in coastal blocks with marine, brackish water and inland fisheries. It has thick forest in Shahapur and Murbad talukas. The mineral wealth in the form of sand is excavated from creeks and riverbeds and stone crushing units have come up in Bhiwandi, and Thane areas. There are 8 MIDC industrial estates and two co- operative industrial estates in the district. MIDC has established a Millennium Industrial Park in Navi .

Thane district is fairly well banked with 755 branches of Commercial Banks, 11 branches of Gramin Bank and 63 branches of Thane DCCB. However, concentration of branches (more than 3/4th) is in urban and semi-urban areas. As such tribal belt of the district remains poorly covered in terms of branch network. The ground level credit disbursement under priority sector during the last three years was as under:

(` lakh) Sr. Sector 2012-13 2013-14 2014-15 No. 1 Crop loan 21123.96 53294.05 14516.98 2 Agri. Term loan 16339.39 15056.29 12112.49 3 MSME 114673.45 112266.67 118938.48 4 Other Priority Sector 370785.61 381170.83 247477.33 Total 522922.41 561787.84 393045.28 *The targets and achievements for the year 2012-13 and 2013-14 pertains to undivided Thane district.

The overall performance of banks under District Credit Plan during the years 2012- 13 and 2013-14 was more than 100%. However, the same during the year 2014-15 was 82.9%. There is need to improve performance under term loans for agriculture and allied activities.

RBI has revised the Priority Sector Lending (PSL) norms vide circular dated 23 April 2015 bringing more activities within the definition of priority sector. Accordingly, the composition and content of PLP document have been revised so as to align with the revised guidelines on PSL. Taking into account the new activities brought under the priority sector lending norms,

1 PLP 2016-17 Thane District

the assessment of credit potential for priority sector for Thane district for the year 2016-17 has been made at ` 589905.99 lakh. The plan envisages an overall growth of 70.2% over the PLP for 2015-16. The major constraints/critical infrastructure requirements of the district as also infrastructure/linkages identified for various sectors and suggested action plan are given below: • As only 8.2% of net sown area in the district it needs to be increased through construction of small/medium rainwater harvesting structures and adopting watershed approach. Desilting small and medium reservoirs may be taken up. • MSEDCL to provide electricity connections to pending applicants. • Bringing more area under drip and micro irrigation • Cold storages for vegetables/fruits • Thane district has been selected for Alphanso mango AEZ by APEDA. The same may be taken up. • More veterinary dispensaries, AI centers, Live stock market • Breeding farm for rams and bucks • The fish landing centers lack basic amenities for fish landing, cold chain and processing, boat repair and maintenance. • There is a need to expand and strengthen preservation and processing facilities. • The system of warehouse receipts needs to be introduced. • The modern Day Terminal Market proposed in the district to be set up.

Area Based Schemes: Considering the large number of small and marginal farmers as also predominantly tribal area, there is a need to promote single purpose small scheme on a cluster basis. Considering substantially large urban population and proximity to the metropolis of Mumbai there is very good potential for marketing of milk and milk products. Therefore, area development scheme on dairy has been prepared in consultation with the line departments and banks. Thrust areas: There is good scope for formation and credit linkage of Self Help Groups (SHGs) and Joint Liability Groups (JLGs) in the district.

PESA- In Thane district, 3 blocks have been notified under PESA (Panchayat Extension to Scheduled Areas). There is a need to provide adequate credit in these blocks and hence, credit flow vis-à-vis credit potentials are assessed and focused alongwith various developmental initiatives of NABARD.

Conclusion: There is a need for a coordinated approach for enhancing capital formation, strengthening of SAMIS reporting system, better monitoring and review at BLBC/DCC meetings, effective implementation of financial inclusion plans including coverage of oral lessees, tenant farmers into Joint Liability Groups, etc.

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BROAD SECTOR-WISE PROJECTIONS-(2016-17)

Districts: Thane State: Maharashtra (` lakh) Sr. Sector/Activity PLP No. projections 1 Crop Production 21580.75 2 Term loan for Agriculture and Allied Activities 8795.45 3 Agriculture Infrastructure 1203.02 4 Agriculture Ancillary activities 1455.90 Total Investment under Agriculture and Allied 30376.20 Activities (1+2+3+4) 5 Credit Potential for Micro, Small and Medium Enterprises 161330.75 (MSME) 6 Potential for Export Credit 9000.00 7 Credit Potential for Education 51255.00 8 Credit Potential for Housing 234562.50 9 Credit Potential for Renewal Energy 354.04 10 Credit Potential for Others 98897.50 11 Social Infrastructure involving bank credit 4130.00 Total Priority Sector 589905.99

PLP projections 2016-17- Thane district

Crop Production

TL for Agriculture & Allied 8795.45 Activities 21580.75 1203.02 Agriculture Infrastructure 4130 1455.9 Agriculture Ancillary activities 354.04 98897.5

161330.75 MSME

Export Credit 234562.5 51255 Education 9000 Hous ing

Renewal Energy

Others

Social Infrastructure

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SUMMARY OF SECTOR / SUB-SECTOR-WISE PLP PROJECTIONS 2016-17

Districts: Thane State: Maharashtra (` lakh)

Sr. Sector Amount No. 1 Crop Production, Maintenance and Marketing 21580.75 Agriculture Term Loan 2 Water Resources 955.63 3 Farm Mechanization 1201.05 4 Plantation & Horticulture 639.61 5 Forestry and Wasteland Development 90.20 6 Animal Husbandry - Dairy Development 1295.37 7 Animal Husbandry - Poultry Development 829.35 8 Animal Husbandry - Sheep, Goat and Piggery Development 501.75 9 Fisheries Development 466.43 10 Others 157.14 Agriculture Infrastructure 11 Storage Godowns / Market Yard 451.50 12 Land Development 470.27 13 Others 281.25 Ancilliary Activities 14 Food and Agro Processing 848.40 15 Others 607.50 Total Agriculture Term loan 8795.45 Total Agriculture (Crop loan + Term loan) 30376.20 16 Credit Potential for Micro, Small and Medium Enterprises 161330.75 (MSME) 17 Potential for Export Credit 9000.00 18 Credit Potential for Education 51255.00 19 Credit Potential for Housing 234562.50 20 Credit Potential for Renewal Energy 354.04 21 Credit Potential for Others 98897.50 22 Social Infrastructure involving bank credit 4130.00 Total Priority Sector 589905.99

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MAP OF THANE DISTRICT

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District Profile

District - Thane State - Maharashtra Division -

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 4159 Agro-climatic Zone (i) Western Plateau (ii) Hills No. of Sub Divisions 4 No. of Blocks 7 Climate Warm and Humid No. of Villages (Inhabited) 573 Soil Type Sandy and Red Loamy, Coastal Alluvium, Laterite No. of Gram Panchayats 415 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 415900 Normal 2012-13 2013-14 2014-15 Actual Forest Land 137400 Rainfall [in mm] 2517 2942 2242 2511 Area Not Available for Cultivation 86447 Variation from Normal 425 -275 -6 Permanent Pasture and Grazing Land 31000 Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 25100 [Ham] 13596 2155 11441 Cultivable Wasteland 19000 5. DISTRIBUTION OF LAND HOLDING Current Fallow 12000 Holding Area Classification of Holding Other Fallow 10000 Nos. % to Total Ha. % to Total Net Sown Area 230000 <= 1 Ha 127024 53 51531 12 Total or Gross Cropped Area 238159 >1 to <=2 Ha 51449 22 74477 17 Area Cultivated More than Once NA >2 Ha 59946 25 300895 69 Cropping Intensity [GCA/NSA] 102 Total 238419 100 426903 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 1485 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers NA Population 5989 3263 2726 802 5187 Agricultural Labourers 754 Scheduled Caste NA NA NA NA NA Workers engaged in Household Industries 234 Scheduled Tribe NA NA NA NA NA Workers engaged in Allied Agro-activities NA Literate (%) NA NA NA NA NA Other workers 2522 BPL NA NA NA NA NA 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 777 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 43 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 573 Anganwadis NA Dispensaries NA Villages having Agriculture Power Supply 573 Primary Health Centres NA Hospitals NA Villages having Post Offices NA Primary Health Sub-Centres NA Hospital Beds NA Villages having Banking Facilities NA 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools NA Fertiliser/Seed/Pesticide Outlets [Nos] 456 Agriculture Pumpsets[Nos] NA Villages having Primary Health Centres NA Total N/P/K Consumption [MT] 9555 Pumpsets Energised [Nos] NA Villages having Potable Water Supply NA Certified Seeds Supplied [MT] 71 Agro Service Centres [Nos] NA Villages connected with Paved Approach Roads 573 Pesticides Consumed [MT] 2 Soil Testing Centres [Nos] NA 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] NA Plantation nurseries [Nos] NA Total Area Available for Irrigation (NIA + Fallow) 41226 Power Tillers [Nos] NA Farmers' Clubs [Nos] 78 Irrigation Potential Created 6009 Threshers/Cutters [Nos] NA Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 18827 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels NA Rural/Urban Mandi/Haat [Nos] NA Wholesale Market [Nos] NA Area irrigated by Wells 18600 Length of Pucca Road [Km] NA Godown [Nos] NA Area irrigated by Tanks - Length of Railway Line [Km] NA Godown Capacity[MT] NA Area irrigated by Other Sources 227 Public Transport Vehicle [Nos] NA Cold Storage [Nos] NA Irrigation Potential Utilized (Gross Irrigated Area) NA Goods Transport Vehicle [Nos] NA Cold Store Capacity[MT] NA 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) 525 NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) Nil Nil Paddy 137800 29890 134800 328700 2438 Fruit (Pulp/Juice/Fruit drink) NA NA Nagli 15800 10700 11400 9100 794 Spices (Masala Powders/Pastes) NA NA Other cereals 12000 6500 8800 5600 640 Dry-fruit (Cashew/Almond/Raisins) NA NA Pulses 12100 7400 7400 5100 681 Cotton (Ginnining/Spinning/Weaving) 835 NA Oilseeds 3700 1000 24 1200 505 Milk (Chilling/Cooling/Processing) 7 NA Vegetables 6836 89892 6920 92682 13393 Meat (Chicken/Motton/Pork/Dryfish) 40 NA Animal feed (Cattle/Poultry/Fishmeal) 5 NA 17. ANIMAL POPULATION AS PER CENSUS 2007 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 47 Animal Markets [Nos] 2 Cattle - Cross bred 21 5 16 Disease Diagnostic Centres [Nos] NA Milk Collection Centres [Nos] NA Cattle - Indigenous 433 243 190 Artificial Insemination Centers [Nos] 36 Fishermen Societies [Nos] NA Buffaloes 185 32 153 Animal Breeding Farms [Nos] NA Fish seed farms [Nos] NA Sheep - Cross bred Nil Nil Nil Animal Husbandry Tng Centres [Nos] NA Fish Markets [Nos] NA Sheep - Indigenous 1 0.5 0.5 Dairy Cooperative Societies [Nos] NA Poultry hatcheries [Nos] NA Goat 188 58 130 Improved Fodder Farms [Nos] NA Slaughter houses [Nos] NA Pig - Cross bred 2 1 1 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 3 2 1 Fish Production [MT] 123792 Per cap avail. [gm/day] 11 Horse/Donkey/Camel 2 1 1 Egg Production [Lakh Nos] 799 Per cap avail. [nos/p.a.] 7 Poultry - Cross bred 537 NA NA Milk Production [Lakh Ltrs] 1883 Per cap avail. [gm/day] 170 Poultry - Indigenous 1495 NA NA Meat Production [MT] NA Per cap avail. [gm/day] NA

Item Nos. 1, 6, 7, 9 & 10 - Census 2011; Item Nos. 2, 3, 5, 12, 136 & 14 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item No. 8 Item No. Sources (if not mentioned against the 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census 2012; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat. (The data respective item): PLP 2016-17 Thane District

Banking Profile

District - Thane State - Maharashtra Lead Bank - Bank of Maharashtra

1. NETWORK & OUTREACH (As on 31/03/2015) 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 Commercial Banks 28 755 259 351 145 - - - 1 1 Regional Rural Bank 1 11 1 2 8 - - - 83 71 District Central Coop. Bank 1 63 7 15 41 - - - 9 12 Coop. Agr. & Rural Dev. Bank ------Primary Agr. Coop. Society 202 ------Others 1 1 1 ------All Agencies 31 830 268 368 194 - - - 1 1 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [`'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 877516200 916980900 764476900 NA NA Regional Rural Bank NA NA NA NA NA 3122600 3815900 4319700 NA NA Cooperative Banks NA NA NA NA NA 39233100 42760242 29223400 NA NA Others ------NA NA NA All Agencies - - - - - 919871900 963557042 933952900 NA NA 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [`.'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 - - - - - 415797000 437063800 289474900 NA NA Regional Rural Bank - - - - - 1591200 1987500 2076700 NA NA Cooperative Banks - - - - - 19054200 20235700 12879600 NA NA Others ------NA NA NA All Agencies - - - - - 436442400 439051300 406978200 NA NA 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 48 47 38 Commercial Banks NA NA NA NA Regional Rural Bank 51 52 48 Regional Rural Bank NA NA NA NA Cooperative Banks 49 47 46 Cooperative Banks NA NA NA NA Others - - - Others NA NA NA NA All Agencies 49 46 43 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 % to Total Amount % to Total Amount % to Total Amount % to Total Amount % to Total [`'000] Loans [`'000] Loans [`'000] Loans [`'000] Loans [`'000] Loans Commercial Banks 36772461 93 947816 35 NA NA NA NA NA NA Regional Rural Bank 186329 1 7413 1 NA NA NA NA NA NA Cooperative Banks 2345738 6 1707718 64 NA NA NA NA NA NA Others - - - - NA NA NA NA NA NA All Agencies 39304528 100 2662947 100 NA NA NA NA NA NA 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Agency Target Ach'ment [` Ach'ment Target Ach'ment [` Ach'ment Target Ach'ment [` Ach'ment Ach[%] in [`'000] '000] [%] [`'000] '000] [%] [`'000] '000] [%] last 3 years Commercial Banks 29992369 31217385 104 38904676 45912164 118 43084419 36772461 85 102 Regional Rural Bank 240000 283045 118 250000 537382 215 273400 186329 68 134 Cooperative Banks 4607669 3912635 85 3517233 5842695 166 3617447 2345738 65 105 Others - - - - All Agencies 34840038 35413065 102 42671909 52292241 123 47399086 39304528 83 102 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Broad Sector Target Ach'ment [` Ach'ment Target Ach'ment [` Ach'ment Target Ach'ment [` Ach'ment Ach[%] in [`'000] '000] [%] [`'000] '000] [%] [`'000] '000] [%] last 3 years Crop Loan 941032 1250837 133 1746089 2112396 121 1243820 1451698 117 124 Term Loan (Agr) 2134922 1246550 58 5019065 1633939 33 1628108 1211249 74 55 Total Agri. Credit 3075954 2497387 81 6765154 3746335 55 2871928 2662947 93 76 Non-Farm Sector 7209240 5971107 83 11467345 14105764 123 12894048 11893848 92 99 Other Priority Sector 24554844 26944571 110 37078561 29590593 80 31633110 24747733 78 89 Total Priority Sector 34840038 35413065 102 42671909 52292241 123 47399086 39304528 83 102 9. RECOVERY POSITION 2012-13 2013-14 2014-15 Average Rec. Agency Demand [` Recovery [` Demand [` Recovery [` Demand [` Recovery [` Recovery [%] in last 3 Recovery [%] Recovery [%] '000] '000] '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 NA NA NA NA NA Cooperative Banks 3778361 3261217 86 NA NA NA 11560252 8935718 87 NA Others ------All Agencies ------

Sources : Lead Bank & SLBC The figures for 2012-13 and 2013-14 pertains to undivided Thane district 8