PLP 2016-17

Executive Summary

1.The Potential Linked Credit Plan for the year 2016-17 has projected a potential of `108701.82 lakh, covering farm credit, MSME, Export, Education, Housing, Renewable Energy and other priority sectors in the district.

Nandurbar district with an area of 5034.26 sq.km has 6 blocks viz. Nandurbar, Shahada, Taloda, Nawapur, and Akrani (Dhadgaon). The economy of the district is dependent upon agriculture, which is adversely affected due to recurring drought conditions. The normal rainfall of the district is 872 mm and the climate is hot and dry. Agriculture is the predominant economic activity, followed by dairy, sheep/goat rearing, etc. The non-farm sector activities consist of small units in agro- processing i.e. oil mills, dal mills, etc. Major food crops grown in the district are Jowar, Bajra, Maize, Wheat, Groundnut, Cotton and Sugarcane. Among horticultural crops, Ber, Guava, Pomegranate, Papaya, Custard Apple and Mango are main crops.

The broad sector-wise potential of bank loan viz-a-viz the performance under Annual Credit Plan for 2014-15 is given below : (`lakh) Target under % of Projections for Sector Achievement ACP 2014-15 Achievement 2016-17 Crop Production 52900.00 44137.59 83.44 67492.10 Term Investment 13888.00 5869.01 42.26 23826.68 Total Agriculture 66788.00 50006.60 74.87 91318.78 Non farm Sector 4176.00 4594.67 110.03 4321.59 Other Priority 12524.00 16128.70 128.78 13061.45 Sector Total 83488.00 70729.97 84.72 108701.82

The potential represents an increase of around 18.41% in the estimates made for the year 2015-16. In absolute terms the PLP 2015-16 was `91800.46 lakh and the projections for 2016-17 are `108701.82 lakh. The detailed sub-sector-wise projections are given below :

Farm Credit : An estimate of `67492.10 lakh has been made in the PLP. The cropping pattern followed by farmers indicated that though cereals, pulses and oilseeds are grown, the shift for cotton is substantial with around 104726 ha. covered under the crop. Considering this trend, the projections for cotton is made at `24752.00 lakh. The potential estimated for soyabean is `7207.20 lakh and for maize `6987.50 lakh while it is `6175.00 lakh for jowar.

Water Resources: The potential estimated in the PLP is `3938.09 lakh, comprising of dugwell, pumpsets, drip and sprinkler, lift Irrigation, and pipeline. Popularizing micro irrigation equipments would enable to encourage optimum use of water.A new activity, viz., solar water pumping system has been included during the year 2016-17.

Farm Mechanisation: The estimate made in the PLP is `3717.00 lakh. The population vis-a-vis usage of power tiller is a cause of concern even though the

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PLP 2016-17 Nandurbar

machine is very economical and useful for small farm operations of small and marginal farmers. Further, a new activity, viz. Combined Harvester is added during the year.

Plantation and Horticulture: Credit flow potential to this activity has been estimated at `547.77 lakh. No potential is estimated for Sericulture as the climate in the district is not much suitable for this activity.

Forestry & Wasteland Development : The potential has been estimated at `125.64 lakh.

Animal Husbandry: Potential for dairy sector has been estimated `5947.21 lakh, Poultry sector at `1621.89 lakh. The potential for Emu activity has been scaled down and shown at nil as the activity does not seem to be viable in the district. The potential for Sheep, Goat & Piggery is estimated at `1875.51 lakh. Connectivity to Surat through the national highway offers good market.

Fisheries Development: Potential for this activity is estimated at `65.83 lakh.

Others – bullocks & bullock-carts : An estimate of `284.76 lakh has been made for financing this segment.

Storage godowns and Market Yards: Potential for Storage and Market Yards has been estimated at `2205.00 lakh.

Land Development : Potential at `1784.52 lakh has been assessed for this sector.

Others – Biotechnology : Potential for this activity has been estimated at `633.60 lakh.

Food and Agro Processing: On account of the thrust on food and agro processing given by the Government, especially to tap the largely under-tapped processing sector, separate estimates have been made at `889.88 lakh for the year.

Others – ACABC etc. : Potential for this activity has been estimated at `190.00 lakh.

Micro, Small & Medium Enterprises : The potential for credit flow for the year 2016-17 has been estimated at `4321.59 lakh.

Export : The potential for credit flow has been separately estimated at `500.00 lakh considering the revised priority sector guidelines.

Education : This sector is expected to show an increasing trend in credit flow during the years due to change in priority sector guidelines. The potential for credit flow for the year 2016-17 has been estimated at `3200.00 lakh.

Housing : This sector is also shown as a separate sector in the revised priority sector guidelines. The potential for has been estimated at `4500.00 lakh for this sector.

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PLP 2016-17 Nandurbar

Renewable energy: The PLP has estimated credit flow of `395.45 lakh under this activity. Suzlon is in the process of developing Asia's largest windpark on the borders of Nandurbar and Dhule with installed capacity of 1000 MW when completed.

Others – SHGs etc. : The pace of providing credit linkage to SHGs by banks is expected to pick up momentum with implementation of women SHG programme of Government of India in the district. The credit flow is estimated at `4250.00 lakh during the year 2016-17 which includes potential of `250.00 lakh towards JLGs .

Rural Infrastructure Development Fund (RIDF): RIDF has been created at NABARD for providing resource support to State Governments for hastening the process of creation of long-term infrastructure supporting the rural economy. During the current year, potential of `216.00 lakh has been assessed for social infrastructure.

2. The new area based scheme in Dhadagaon and Taloda has been incorporated covering 100 indigenous poultry birds units in each block. A special scheme launched by Government of India in Dhadgaon block, viz., Vanabandhu Kalyan Yojana is expected to give boost to this activity in Dhadgaon block.

3. T he percentage of loans to total loans in Akkalkuva and Dhadgaon blocks is very low. The main reason for this is low branch network in these two blocks. While there are six nationalized bank branches in Akkalkuva block, there is only one fully functional nationalized bank branch in Dhadgaon block. Although there are total 3 nationalized bank branches in Dhadgaon, 2 branches of Central Bank of India are scarcely staffed. Banking network in Dhadgaon block needs to be strengthened for acceleration of ground level credit flow and achieving targets set as per PESA.

4. T he JLG mode of financing serves as collateral substitute for loans provided to the small, marginal, tenant farmers, oral lessees, share croppers, etc. It enables the banks to reach farmers through group approach, adopt cluster approach, facilitates peer education and credit discipline. Hence, the banks in the district may increase their financing to the small, marginal, tenant farmers and oral lessees through JLG mode of financing.

5. Bank branches need to submit their LBRs in time to Lead Bank so as to take effective review of the performance under Annual Credit Plan in the BLBCs and DLCC/DLRC meetings conducted on a quarterly basis.

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PLP 2016-17 Nandurbar

Broad Sector wise PLP projections - 2016-17 (` lakh)

Sr. Particulars PLP No. Projections 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 67492.10 ii Term Loan for agriculture and allied activities 18123.69 Sub Total 85615.79 B Agriculture Infrastructur e 4623.12 C Ancillary activities 1079.88 I Credit Potential for Agriculture (A+B+C) 91318.78 II Micro, Small and Medium Enterprises 4321.59 III Export Credit 500.00 IV Education 3200.00 V Housing 4500.00 VI Renewable Energy 395.45 VII Others 4250.0 0 VIII Social Infrastructure involving bank credit 216.00 Total Priority Sector (I to VIII) 108701.82

Crop Production, Maintenance and Marketing Term Loan for agriculture and allied activities Agriculture Infrastructure Ancillary activities Micro, Small and Medium Enterprises Export Credit Education Housing Renewable Energy Others Social Infrastructure involving bank credit

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PLP 2016-17 Nandurbar

Summary of Sector / Sub-sector wise PLP projections - 2016-17 (` Lakh) Sr. Particulars PLP No. Projections 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 67492.10 ii Water Resources 3938.09 iii Farm Mechanisation 3717.00 iv Plantation and Horticulture (including sericulture) 547.77 v Forestry and W aste Land Development 125.64 vi Animal Husbandry – Dairy 5947.21 vii Animal Husbandry – Poultry 1621.89 viii Animal Husbandry – Sheep, Goat, Piggery, etc. 1875.51 ix Fisheries (Marine, Inland, Brackish water) 65.83 x Others – Bullock, Bullock cart, et c. 284.76 Sub Total 85615.79 B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, Godowns, 2205.00 Silos, Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed development 1784.52 iii Others (Tissue culture, Agri bio -technology, Seed production, Bio 633.60 pesticides/ fertilizers, Vermin composting) Sub Total 4623.12 C Ancillary activities i Food and Agro processing 889.88 ii Others (Loans to Cooperative Societies of f armers for disposing of their 190.00 produce, Agri Clinics/ Agri Business Centres, Loans to PACS / FSS/ LAMPS, Loans to MFIs for on lending) Sub Total 1079.88 Total Agriculture 91318.78 II Micro, Small and Medium Enterprises i MSME – Working capital 615.96 ii MSME – Investment credit 3705.63 Total MSME 4321.59 III Export Credit 500.00 IV Education 3200.00 V Housing 4500.00 VI Renewable Energy 395.45 VII Others (Loans to SHGs/ JLGs, loans to distressed persons to prepay 4250.00 non-institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) VIII Social Infrastructure involving bank credit 216.00 Total Priority Sector 108701.82

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PLP 2016-17 Nandurbar

District profile

Nandurbar District Consist of 6 talukas and it has 2 Revenue Sub-Divisions namely Nandurbar & Shahada. Nandurbar Sub Division covers Nandurbar & , whereas Shahada subdivision covers Akamai, Akkalkuwa, Taloda and Shahada. There are 4 Municipal Councils at Nandurbar, Navapur, Taloda and Shahada.

Location: Nandurbar district is under Nasik Division of Maharashtra State situated between 73.31 and 74.32 East longitude and 21.03 and 22.00 North latitude.

Boundaries: The District is surrounded by Madhya Pradesh state on the North, Dhule District on the East, Gujarat state in the West and Nasik District on the south.

Topography: The district can be divided into two broad physiographic parts. One is hilly terrain of Satpuda ranges prominently dominated by tribal i.e. Akrani, Akkalkuwa and Taloda. Second part is Tapi River basin which is comparatively more fertile and having good irrigation facilities, covered by the three remaining Tehsils i.e. Shahada, Nandurbar and Navapur.

Hills and Rivers: The principal river in the district is Tapi River, which flows through Shahadaand Nandurbar blocks and other rivers Vir and Gomai flow through Shahada block.

Climate: The district has dry climate in general. The temperature attained is of typical of tropical temperature Zone. The summer is intolerably hot since March to June every year. The temperature in the district ranges from 42.8 c in summer to 10.6 c in winter

Rainfall :The average rainfall in the district is about 872 mm and it is not uniform in all parts of the district.

Population: The population of the district is 1647977 as per census of 2011. The rural and urban population is 1370995and 275182 respectively.Approximately 70% population of the district belongs to ST Category.

Agriculture & horticulture: In Kharif season, Paddy, Jawar, Bajra , Green gram, Cotton and groundnut are grown while in Rabi season, Rabi Jawar, Wheat, Gram are the major crops grown. Sugar cane and Banana are the major perennial crops grown in the district. Summer groundnuts are also grown in an area having irrigation facilities during the summer season. Kharif crops are mostly grown in Akrani, Akkalkuwa and Taloda blocks. The Rabbi crops are grown to a small extent in these blocks while both Kharif and Rabbi Crops are grown in Shahada, Nandurbar and Navapur blocks.Mango and cashew nut are grown under horticulture in Akrani, Taloda, Dhadgaon, Navapur and Shahada Blocks.

Transport and Communication: The national highway No 6 is passing through Navapur block. The state highway cover major portion of the district. The total length of the pucca roads in the district is 4204 Kms. Total length of Railway tracks is 90 Kms. Surat in Gujarat and Bhusawal in Maharashtra are connected by the Railway.

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District Profile Appendix -C

District - NANDURBAR State - MAHARASHTRA Division - NASIK

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 5034 Agro-climatic Zone Western Plateau & Hill Region No. of Sub Divisions 2 No. of Blocks 6 Climate Hard & Dry No. of Villages (Inhabited) 935 Soil Type Light, Medium & Black No. of Panchayats 501 3. LAND UTILISATION [ha] 4. RAINFALL & GROUND WATER Total Area Reported 503423 Normal 2012-13 2013-14 2014-15 Actual Forest Land 74116 Rainfall [in mm] 872 724 1321 608 Area Not Available for Cultivation 53283 Variation from Normal (-148) (+449) (-264) Permanent Pasture and Grazing Land 4535 Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops NA [Ham] NA NA NA Cultivable Wasteland 4065 5. DISTRIBUTION OF LAND HOLDING Current Fallow 1332 Holding Area Classification of Holding Other Fallow 25018 Nos. % to Total ha. % to Total Net Sown Area 305211 <= 1 ha 32940 23.57 22322 8.02 Total or Gross Cropped Area 319699 >1 to <=2 ha 55420 39.66 74148 26.64 Area Cultivated More than Once 14488 >2 ha 51376 36.77 181906 65.35 Cropping Inensity [GCA/NSA] 105 Total 139736 100 278376 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 206 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 75 Population 1648 833 815 1373 275 Agricultural Labourers 292 Scheduled Caste 48 23 25 42 6 Workers engaged in Household Industries 37 Scheduled Tribe 1142 568 574 1009 133 Workers engaged in Allied Agro-activities 5 Literate 732 439 293 374 358 Other workers 190 BPL 834 422 412 705 129 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 324 Having brick/stone/concrete houses NA Having electricity supply 152 Rural Households 273 Having source of drinking water NA Having independent toilets 68 BPL Households 175 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 935 Anganwadis 2373 Dispensaries 24 Villages having Agriculture Power Supply 935 Primary Health Centres 58 Hospitals 20 Villages having Post Offices 196 Primary Health Sub-Centres 290 Hospital Beds 758 Villages having Banking Facilities 89 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 935 Fertiliser/Seed/Pesticide Outlets [Nos] 1083 Agriculture Pumpsets[Nos] 3043 Villages having Primary Health Centres 348 Total N/P/K Consumption [MT] 111965 Pumpsets Energised [Nos] 2768 Villages having Potable Water Supply 702 Certified Seeds Supplied [MT] 28272 Agro Service Centres [Nos] Villages connected with Paved Approach Roads 915 Pesticides Consumed [MT] NA Soil Testing Centres [Nos] 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 6885 Plantation nurseries [Nos] 11 Total Area Available for Irrigation (NIA + Fallow) 91000 Power Tillers [Nos] 43 Farmers' Clubs [Nos] 165 Irrigation Potential Created Threshers/Cutters [Nos] 153 Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 82035 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 18700 Rural/Urban Mandi/Haat [Nos] 16 Wholesale Market [Nos] 6 Area irrigated by Wells 25100 Length of Pucca Road [Km] 4204 Godown [Nos] 1964 Area irrigated by Tanks - Length of Railway Line [Km] 90 Godown Capacity[MT] 26631 Area irrigated by Other Sources 40250 Public Transport Vehicle [Nos] 84515 Cold Storage [Nos] 3 Irrigation Potential Utilized (Gross Irrigated Area) 84085 Goods Transport Vehicle [Nos] 15789 Cold Store Capacity[MT] 8000 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) 43 2470 Area (ha) Prod. (MT) Area (ha) Prod. (MT) [kg/ha] Sugarcane (Gur/Khandsari/Sugar) 3 NA Jowar 28800 44784 30533 34923 1144 Fruit (Pulp/Juice/Fruit drink) -- -- Bajra 4900 5111 6196 4812 777 Spices (Masala Powders/Pastes) -- -- Maize 35100 64619 28930 44659 1544 Dry-fruit (Cashew/Almond/Raisins) -- -- Tur 12000 4956 12601 3599 286 Cotton (Ginnining/Spinning/Weaving) 2 NA Groundnut 2000 1410 1797 1124 625 Milk (Chilling/Cooling/Processing) 3 90 Cotton 102200 128363 110372 144087 1305 Meat (Chicken/Mutton/Pork/Dry fish) -- -- Sugarcane 400 32 4000 320 80 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] 104 Animal Markets [Nos] 2 Cattle - Cross bred 14 NA NA Disease Diagnostic Centres [Nos] -- Milk Collection Centres [Nos] 3 Cattle - Indigenous 322 NA NA Artificial Insemination Centers [Nos] 105 Fishermen Societies [Nos] 25 Buffaloes 72 NA NA Animal Breeding Farms [Nos] -- Fish seed farms [Nos] -- Sheep - Cross bred 15 NA NA Animal Husbandry Tng Centres [Nos] -- Fish Markets [Nos] -- Sheep - Indigenous -- NA NA Dairy Cooperative Societies [Nos] 356 Poultry hatcheries [Nos] 1 Goat 273 NA NA Improved Fodder Farms [Nos] -- Slaughter houses [Nos] 4 Pig - Cross bred -- NA NA 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 11 NA NA Fish Production [MT] 870 Per cap avail. [gm/day] -- Horse/Donkey/Camel 2 NA NA Egg Production [Lakh Nos] 2007 Per cap avail. [nos/p.a.] 122 Poultry - Cross bred -- NA NA Milk Production ['000 MT] 108 Per cap avail. [gm/day] 179 Poultry - Indigenous 964 NA NA Meat Production [MT] 2422 Per cap avail. [gm/day] -- Banking Profile Appendix -D

District - NANDURBAR State - MAHARASHTRA Lead Bank - STATE BANK OF INDIA

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 10 58 35 23 8681 15 15 5659 Regional Rural Bank 1 5 4 1 District Central Coop. Bank 1 33 26 7 872 28 8156 Coop. Agr. & Rural Dev. Bank 1 1 1 Primary Agr. Coop. Society 302 3.1 918 Others 3 5 5 All Agencies 318 102 65 37 0 0 9553 15 46 15119 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [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(%) Commercial Banks 335168 648216 NA #VALUE! 53.22 18758500 18586100 25890200 39.30 83.22 Regional Rural Bank NA 2389 NA -- 0.23 43800 60000 148300 147.17 0.48 Cooperative Banks 245845 388273 NA #VALUE! 46.55 2697700 2458700 5072877 106.32 16.31 Others All Agencies 581013 1038878 0 -100.00 100.00 21500000 21104800 31111377 47.41 100.00 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(%) Commercial Banks NA NA NA NA NA 8826000.00 8143500.00 12117600.00 48.80 75.65 Regional Rural Bank NA NA NA NA NA 35900.00 55000.00 121800.00 121.45 0.76 Cooperative Banks 33781 34898 NA #VALUE! NA 956100.00 1135800.00 3778914.00 232.71 23.59 Others All Agencies 33781 NA NA NA NA 9818000 9334300 16018314 71.61 100.00 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During 2013-14 Cumulative Agency Agency 31 Mar 13 31 Mar 14 31 Mar 15 Deposit Credit Deposit Credit Commercial Banks 47.05 43.82 46.80 Commercial Banks 313048 NA 648216 6410 Regional Rural Bank 81.96 91.67 82.13 Regional Rural Bank 1068 2389 Cooperative Banks 35.44 46.20 74.49 Cooperative Banks 142428 34898 388273 2120 Others ------Others All Agencies 45.67 44.23 51.49 All Agencies 456544 NA 1038878 8530 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 Commercial Banks 5907280 83.52 3869854 77.39 1443536 86.57 50.00 100.00 272323.00 97.89 Regional Rural Bank 73018 1.03 45315 0.91 4775 0.29 -- -- 80.00 0.03 Cooperative Banks 1092699 15.45 1085491 21.71 219081 13.14 -- -- 5798.00 2.08 Others All Agencies 7072997 100.00 5000660 100.00 1667392 100.00 50 100.00 278201 100.00 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 [Rs. Ach'ment Ach[%] in [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] '000] [%] last 3 years Commercial Banks 3736000.00 2953337.00 79.05 6181000.00 4458881.00 72.14 6607400.00 5907280.00 89.40 80.20 Regional Rural Bank 4700.00 66299.00 1410.62 65800.00 13396.00 20.36 180200.00 73018.00 40.52 490.50 Cooperative Banks 1710000.00 972320.00 56.86 1311200.00 1386580.00 105.75 1561200.00 1092699.00 69.99 77.53 Others ------All Agencies 5450700.00 3991956.00 73.24 7558000.00 5858857.00 77.52 8348800.00 7072997.00 84.72 78.49 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Target Ach'ment Ach'ment Broad Sector Target Ach'ment Ach'ment Target Ach'ment [Rs. Ach'ment Ach[%] in [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] '000] [%] last 3 years Crop Loan 2876700.00 2885257.00 100.30 4815500.00 3632145.00 75.43 5290000.00 4413759.00 83.44 86.39 Term Loan (Agr) 1595300.00 478597.00 30.00 1578400.00 458114.00 29.02 1388800.00 586901.00 42.26 33.76 Total Agri. Credit 4472000.00 3363854.00 75.22 6393900.00 4090259.00 63.97 6678800.00 5000660.00 74.87 71.36 Non-Farm Sector 458100.00 33012.00 7.21 321000.00 385458.00 120.08 417600.00 459467.00 110.03 79.10 Other Priority Sector 520600.00 595090.00 114.31 843100.00 1383140.00 164.05 1252400.00 1612870.00 128.78 135.71 Total Priority Sector 5450700.00 3991956.00 73.24 7558000.00 5858857.00 77.52 8348800.00 7072997.00 84.72 78.49 9. RECOVERY POSITION 2012-13 2013-14 2014-15 Average Rec. Agency Demand [Rs. Recovery Demand [Rs. Recovery Demand [Rs. Recovery [Rs. [%] in last 3 Recovery [%] Recovery [%] Recovery [%] '000] [Rs. '000] '000] [Rs. '000] '000] '000] years Commercial Banks NA NA #VALUE! NA NA #VALUE! NA NA NA #VALUE! Regional Rural Bank NA NA #VALUE! NA NA #VALUE! NA NA NA #VALUE! Cooperative Banks NA NA #VALUE! NA NA #VALUE! 3171481.00 1378773.00 43.47 #VALUE! Others All Agencies 0.00 0.00 #DIV/0! 0.00 0.00 #DIV/0! 3171481.00 1378773.00 43.47 #DIV/0!