PLP 2016-17 District

EXECUTIVE SUMMARY Keeping in view the need for accelerating the pace of economic growth and the important role of banks in capital formation, the theme of the PLP for the year 2016-17 is

“Accelerating the pace of capital formation in agriculture and allied sector”

I. District profile and credit assessment a) was established on 15 September 1985 by carving out of district. The District has 3 Revenue Divisions viz., Dindigul, and Kodaikkanal, 8 taluks, 14 development blocks, 39 firkas and 359 revenue villages covering a geographical area of 6266.64 sq. km. b) The district has extensive hilly areas with undulating plains. All along the western fringes of the district lie the Palani Hill ranges of the Western Ghats ranging in height from 1000 to 2700 meters MSL. The upper hills comprise of peaks like Perumalmalai and Vandarverimalai and are home to the beautiful, serene, salubrious hill station, Kodaikkanal. The lower plains are made up of hills like Thandikudi and Virupatchi. On the eastern fringes a large number of isolated hill ranges like Sirumalai, Alagarmalai, Karandamalai, Kodangimalai, Rangamalai, Pillayarnatham, Natham and are located. The rest of the district is characterised by an undulating plain covered mostly (85%) by red soil. Black earth covers the rest of the plains. c) A few seasonal rivers viz. Kodaganar, Kuthiraiyar, Manjalar, Palar, Porandalar, Parappalar, Santhanavardhini, Shanmuganathi, Varathamanathi and tributaries of the Vaigai, Amaravathi flow through the district. There are seven small dams in the district, viz., Varathamanathi, Palar-Porundalar, Kuthiraiyar, Parappalar, Kamarajar and Mavur with a total water storage capacity of 2771.18 million cft. and total canal length of 114.79 km. d) Agriculture continues to be the mainstay of the rural people in the district. The gross cropped area stands at 214310 ha, the net sown area is estimated at 210907 ha. The main crops grown, in the district are maize, pulses, paddy, cholam, cumbu , groundnut, cotton, coconut, coffee, pepper, lemon, drum stick, mango, flowers and vegetables. Of the total crops grown, 66 per cent are rainfed and depend on the North East monsoon and tanks for agricultural operations. The district has 3 Different Agro Climates viz. tropical (plains), sub-tropical and temperate ( and Sirumalai) climate accommodating almost all kinds of Horticulture crops . Dindigul is one of the major producer of horticulture crops viz. fruits and vegetables in the State.

e) Owing to the poor water availability and unsustainable agricultural income, farmers have taken up animal husbandry, mainly dairy activities for supplementing their income. It is pertinent to add that farmers are able to face acute drought conditions mainly because of supplementary income from dairy activities. Spinning mills (85) located in the district provides employed to rural people.

f) The district has good banking network with 480 branches which includes 197 PACS operating in the district. All the banks have been providing credit for priority sector. The flow of credit for priority sector in the district has been showing a health trend for all the sectors of the economy as may be observed from the following data on ground level credit for the last 3 years :

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PLP 2016-17 Dindigul District

(`. in lakh)

Purpose Achievement during the last 3 years Target for 2012-13 2013-14 2014-15 2015-16 Agriculture crop loan 126081.50 194893.43 191376.11 194878.70 term loan 95894.03 137419.98 149862.08 155255.35 Total agriculture 221975.53 332313.41 341238.19 350134.05 MSME sector 23503.02 46277.17 46806.53 50406.01 Other Priority Sector 57822.79 93203.04 127099.48 138787.50 Grand Total 303301.34 471793.62 515144.20 539327.56

g) Banking highlights: The Lead Bank of the district is Canara Bank. Banking and financial services are provided by 29 commercial banks, Dindigul DCCB (with 31 branches) & 197 PACS and Pandian Grama Bank (with 10 branches). The CD ratio in the district has always been more than 100% for the last 3 years and its was 142% during 2014-15, indicating the need for initiating steps for mobilization of more deposits by banks. Under Financial Inclusion, 306 Panchayat villages were served by 286 bank branches and 248 BCs as on 31 March 2015.

h) The Potential Linked Credit Plan for the year 2016-17 envisages a total credit outlay of `.6205.87 crore for the priority sector keeping in view the past trend of ground level credit and potential available in the district. The projections for agricultural term lending has been estimated at `.2066.03 crore out of the total agricultural credit at `. 4384.09 crore, keeping the theme of PLP for 2016-17 “ accelerating the pace of capital formation in agriculture and allied sector”. The summary of the projections are furnished below : (`. in lakh) Sl. PLP Sector No Projections A Farm Credit

I Crop Production, Maintenance and Marketing 231,806.25

Term loans - Water Resources, Farm Mechanisation, Plantation & Horticulture, Forestry &Wasteland Development, Animal II 134,066.67 Husbandry (Dairy, Poultry, Sheep, Goat, Piggery, etc.), Fisheries Development, Others - Bullock, Bullock cart, etc.)

Agriculture Infrastructure - Construction of storage facilities (Warehouses, Market Yards, Godowns,etc) - Land Development, B 48700.26 Soil conservation, watershed development - Others (Tissue culture, Agri bio-technology, seed production, bio-pesticides/fertilizers, etc

Ancillary activities - Food and Agro processing - Others ( Loans C to Agri-clinics / Agri-business Centres, Loans to mFIs for on- 23835.75 lending, etc) Total Agriculture 438,408.93

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PLP 2016-17 Dindigul District

Sl. PLP Sector No Projections Micro, Small and Medium Enterprises - Term Loan - Working II 79077.35 Capital III Export Credit 4500.00 IV Education 4455.00 V Housing 17868.82 VI Renewable Energy 29277.00 VII Others (Loans to SHGs/JLGs, PMJDY, etc.) 38150.00 VIII Social Infrastructure involving bank credit 8850.00 Total Priority Sector 620,587.10

i) Dindigul is a drought prone district and therefore emphasis on lending for micro irrigation systems, animal husbandry to sustain the income of farmers and for creation of storage capacity has been provided for in the PLP for 2016-17. Further, the agro- climatic conditions are more suitable for horticulture crops and substantial area of the district is under tree crops, emphasis has also been laid on cold storage and processing of horticulture produce for better price realisation. Sector-wise comments on important sectors (a) Crop Production A variety of field crops, seasonal and perennial fruit crops, flowers, vegetable crops, plantation and spice crops are being grown in an area of 2.5 lakh ha. during the year 2015-16. The production credit (crop loan) requirement for these crops is estimated at `. 231806 lakh. The production credit forms 53 per cent of total agricultural sector projections for the year 2016- 17. Banks may provide pledge loans against agricultural produce to farmers to get better prices. (b) Water Resources Ground water resources of the district have been exploited beyond sustainable levels. However, lending for micro irrigation systems and new pump sets would help efficient management of available water resources. The estimated credit potential for Minor Irrigation is `.31563 lakh. (c) Plantation & Horticulture The district offers immense potential for horticulture crops viz. fruits, vegetables, flowers, spices. A few medicinal and aromatic plants can be commercially grown in the district. The district is included in the Agriculture Export Zone for mango. Processing of organically grown mangoes and other fruits and vegetables has been identified as having good potential as an EOU for fruit and vegetable processing has come up at Nilakottai industrial estate in the district. Floriculture also offers good potential in the plains where fragrance extraction units are established by private sector. Potential for extending institutional credit to the tune of `.31122 lakh for development of the horticultural sector has been identified.

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PLP 2016-17 Dindigul District

(d) Animal Husbandry The district is in the forefront of dairy development and in production of dairy products. The potential for rearing of livestock has been estimated at `.34011 lakh. Similarly, poultry development in the district is gaining momentum. The total credit potential for the activity has been estimated at `.3570 lakh. The potential for bank credit for Sheep/goat/pig rearing activities assessed at `.5022 lakh. (e) MSME Sector Manufacturing activities undertaken by the SMEs deserve priority for credit as it is a thrust area for the development of the district. A number of EOUs and agro processing units that have come up in the district and the proposed establishment of a food park by SIPCOT at Nilakottai industrial estate augurs well for the agro and food processing industry. The credit needs has been assessed at `.79077 lakh. II. Area Development Scheme a) Animal Husbandry mainly dairy sector has been providing livelihood and supplementary income to farmers in the district. In order to increase the income of the farmers it is proposed to implement Area Development Scheme in 3 blocks viz. , and with the banking plan of `462.54 lakh. UPNRM projects are also being implemented in these blocks based on dairy development sector. b) In order to meet the credit requirements of oral lessees / and tenent farmers, the concept of Joint Liability Groups have been introduced and is picking up in the district. Banks have come forward to finance JLGs for crop loan and the PACS / DCCB are in the forefront and during the year 2014-15, 1167 JLGs with a bank loan of `. 2334 lakh have been promoted and financed by various banks. It is proposed to take up promotion of 2000 JLGs with `. 5000.00 lakh is proposed to be covered during the year 2016-17.

III. Conclusion In order to achieve the theme of “ accelerating the pace of capital formation in agriculture and allied sector” during the year 2016-17, co-ordinated efforts from banks, Government Departments in disbursement of subsidies and concerted efforts of all the stake holders are required. Continuous monitoring of the progress of banking sector through SAMIS, regular review in Block Level Bankers Committee Meeting and District Level Bankers Meeting are of paramount importance. Further, the critical infrastructure required for the district mainly relating to strengthening the water bodies for utilising the rain water, increasing the recharge of ground water, recycling of water and reduce ground water pollution on account of discharge from leather tanneries need urgent attention. Creation of adequate storage capacity for getting better remunerative prices by farmers and for reducing the post-harvest losses need the support of bankers in the district. In order to achieve the goal of financial inclusion mission “Pradhan Mantri Jan Dhan Yojana”, banks may utilize the banking correspondence effectively for providing banking services to the customers at their door steps in unbanked areas. Banks may also enroll all the account holders under the Social Security Schemes of Govt. of India i.e. (i) Pradhan Mandri Bheema Suresksha Yojana, (ii) Pradhan Mantri Jeevan Jyoti Bheema Yojana and (iii) Atal Pension Yojana.

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PLP 2016-17 Dindigul District

BROAD SECTORWISE PLP PROJECTIONS 2016-17

District Dindigul

State (`. lakh)

PLP Sl. No Sector Projections A Farm Credit

i Crop Production, Maintenance and Marketing 231,806.25

Term loans - Water Resources, Farm Mechanisation, Plantation & Horticulture, Forestry &Wasteland Development, Animal Husbandry ii 134,066.67 (Dairy, Poultry, Sheep, Goat, Piggery, etc.), Fisheries Development, Others - Bullock, Bullock cart, etc.)

Sub Total 365872.92

Agriculture Infrastructure - Construction of storage facilities (Warehouses, Market Yards, Godowns,etc) - Land Development, Soil B 48700.26 conservation, watershed development - Others (Tissue culture, Agri bio- technology, seed production, bio-pesticides/fertilizers, etc

Ancillary activities - Food and Agro processing - Others ( Loans to C 23835.75 Agri-clinics / Agri-business Centres, Loans to mFIs for on-lending, etc.)

II Micro, Small and Medium Enterprises - Term Loan - Working Capital 79077.35

III Export Credit 4500.00 IV Education 4455.00 V Housing 17868.82 VI Renewable Energy 29277.00 VII Others (Loans to SHGs/JLGs, PMJDY, etc.) 38150.00 VIII Social Infrastructure involving bank credit 8850.00

Total Priority Sector 620,587.10

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District Profile

District - Dindigul State - Tamilnadu Division - 3 -

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 6267 Agro-climatic Zone Region IV - South Plateau and Hills No. of Sub Divisions 3 No. of Blocks 14 Climate Semi Arid Tropic No. of Villages (Inhabited) 359 Soil Type Red soil No. of Village Panchayats 306 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 626664 Normal 2012 2013 2014 Actual Forest Land 138923 Rainfall [in mm] 836.0 519.0 451.0 858.0 Area Not Available for Cultivation 36210 Variation from Normal -317.0 -385.0 22.0 Permanent Pasture and Grazing Land 6946 Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 7955 [Ham] 56450 70558 -14108 Cultivable Wasteland 5610 5. DISTRIBUTION OF LAND HOLDING Current Fallow 46149 Holding Area Classification of Holding Other Fallow 106750 Nos. % to Total Ha. % to Total Net Sown Area 210907 <= 1 Ha 190471 67 77627 25 Total or Gross Cropped Area 214310 >1 to <=2 Ha 55914 20 77159 25 Area Cultivated More than Once 3403 >2 Ha 38789 14 152671 50 Cropping Inensity [GCA/NSA] 1.59 Total 285174 100 307457 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 165 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 150 Population 2160 1081 1079 1352 808 Agricultural Labourers 467 Scheduled Caste 452 227 225 310 142 Workers engaged in Household Industries 31 Scheduled Tribe 8 4 4 6 2 Workers engaged in Allied Agro-activities Literate 1482 816 666 Other workers 442 BPL 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households]

Total Households 561 Having brick/stone/concrete houses Having electricity supply 117

Rural Households 337 Having source of drinking water 117 Having independent toilets

BPL Households 224 Having access to banking services Having radio/tv sets

10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 359 Anganwadis Dispensaries Villages having Agriculture Power Supply 359 Primary Health Centres 58 Hospitals 55 Villages having Post Offices 359 Primary Health Sub-Centres 311 Hospital Beds Villages having Banking Facilities 359 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE

Villages having Primary Schools 290 Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos] 93404

Villages having Primary Health Centres 302 Total N/P/K Consumption [MT] 58333 Pumpsets Energised [Nos] 93404

Villages having Potable Water Supply 359 Certified Seeds Supplied [qtl] Agro Service Centres [Nos]

Villages connected with Paved Approach Roads 340 Pesticides Consumed [lts] 3154 Soil Testing Centres [Nos]

13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 1952 Plantation nurseries [Nos]

Total Area Available for Irrigation (NIA + Fallow) 164378 Power Tillers [Nos] Farmers' Clubs [Nos] 356

Irrigation Potential Created Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 111479 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 2345 Rural/Urban Mandi/Haat [Nos] 25 Wholesale Market [Nos] 8 Area irrigated by Wells 97004 Length of Pucca Road [Km] 10732 Godown [Nos] 214 Area irrigated by Tanks 6906 Length of Railway Line [Km] 270 Godown Capacity[MT]

Area irrigated by Other Sources 952 Public Transport Vehicle [Nos] 450 Cold Storage [Nos] 8

Irrigation Potential Utilized (Gross Irrigated Area) 113913 Goods Transport Vehicle [Nos] 1540 Cold Store Capacity[MT]

15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] 2011-12 2012-13 Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) 138 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) 45 Paddy 24828 146560 19158 103376 540 Fruit (Pulp/Juice/Fruit drink) 6 Millets 90552 347085 72146 82131 114 Spices (Masala Powders/Pastes) 54 Pulses 39421 29526 8944 6149 69 Dry-fruit (Cashew/Almond/Raisins) Groundnut 21780 72826 12780 44858 351 Cotton (Ginnining/Spinning/Weaving) 124 Gingilee 1209 7000 633 325 51 Milk (Chilling/Cooling/Processing) 4 Sugarcane (in canes) 5251 76192 5816 748894 12876 Meat (Chicken/Motton/Pork/Dryfish) Vegetables Animal feed (Cattle/Poultry/Fishmeal) 13 Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 17. ANIMAL POPULATION AS PER CENSUS 2010 tentative 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES [in '000]

Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] Animal Markets [Nos] 5 82

Cattle - Cross bred 62 196 Disease Diagnostic Centres [Nos] Milk Collection Centres [Nos] 1 148

Cattle - Indigenous Artificial Insemination Centers [Nos] Fishermen Societies [Nos] 5

Buffaloes 10 63 Animal Breeding Farms [Nos] Fish seed farms [Nos] 1 Sheep - Cross bred Animal Husbandry Tng Centres [Nos] 1 Fish Markets [Nos] 5

Sheep - Indigenous 10 233 Dairy Cooperative Societies [Nos] 148 Poultry hatcheries [Nos] 10

Goat 8 167 Improved Fodder Farms [Nos] Slaughter houses [Nos] 10 Pig - Cross bred 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY

Pig - Indigenous 1 2 Fish Production [MT] (2011-12) Per cap avail. [gm/day] 72 Horse/Donkey/Camel 5 6 Egg Production [Lakh Nos] Per cap avail. [nos/p.a.] Poultry - Cross bred 200 2657 Milk Production [lakh lts] 6 Per cap avail. [ml/day] Poultry - Indigenous Meat Production [MT] Per cap avail. [gm/day]

Sources (if not mentioned against Item Nos. 1, 6, 7, 9 & 10 - Latest Census ; 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 the respective item): Survey ; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census ; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat. Banking Profile Appendix - 2

District Dindigul State - Tamil Nadu Lead Bank - Canara Bank

1. NETWORK & OUTREACH (As on 31/03/2012)

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 27 237 104 93 40 0 6785 248 3 5000 0 1 10 8 2 0 10 3000 Regional Rural Bank 986 District Central Coop. Bank 1 31 22 3 6 4324 30 4500 Coop. Agr. & Rural Dev. Bank 3 6 3 2 1 0 60 1000 Primary Agr. Coop. Society 197 197 197 0 0 3329 3 2000 Others 2 2 2450 2 1000 All Agencies 229 483 334 100 49 0 17874 248 108 1159 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs.lakh] Agency 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) 237696 272407 294923 431994 485111 Commercial Banks 8.3 73 544385 12.2 88 22288 24783 27791 3432 6124 Regional Rural Bank 12.1 7 7936 29.6 1 64978 68703 78071 52467 58054 Cooperative Banks 13.6 19 64606 11.3 10 1520 1837 1941 1830 2306 Others 5.7 0 2312 0.3 0 All Agencies 326482 367730 402726 9.5 100 489723 551595 619239 12.3 100 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.'lakh] Agency 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) 407787 521933 533233 Commercial Banks 2.2 78.5 602011 745836 760149 1.9 86.3 57729 64413 52103 Regional Rural Bank -19.1 7.7 9739 18160 15250 -16.0 1.7 87819 83534 90013 Cooperative Banks 7.8 13.3 85452 92653 100823 8.8 11.4 5786 3498 3590 Others 2.6 0.5 7290 4408 4448 0.9 0.5 559121 673378 678939 All Agencies 0.8 100 704492 861057 880670 2.3 100 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 194701 552102 Commercial Banks 128% 154% 140% Commercial Banks Regional Rural Bank 284% 297% 192% Regional Rural Bank Cooperative Banks 163% 160% 156% Cooperative Banks Others 74% 191% 193% Others All Agencies 144 156 142% All Agencies 194701 0 552102 0 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 Amount Amount [lakh] Amount [Rs.lakh] Amount Amount Agency % of Total % of Total % of Total % of Total % of Total [Rs.lakh] [Rs.lakh] [Rs.lakh] Loans Loans Loans Loans Loans

Commercial Banks 601411 79.12 388965 51.17 174343 22.94 740 0.10 95445 12.56 Regional Rural Bank 14148 92.77 12043 78.97 0 0.00 0.00 4952 32.47 Cooperative Banks 33081 32.81 24894 24.69 14123 14.01 668 0.66 5911 5.86 Others 3620 81.38 1250 28.10 0 0.00 0.00 0.00 All Agencies 652260 74.06 427152 48.50 188466 21.40 1408 0.16 106308 12.07 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Agency Target Ach'ment [Rs. Target Ach'ment [Rs. Ach'ment [Rs. Ach[%] in last Ach'ment [%] Ach'ment [%] Target [Rs.lakh] Ach'ment [%] [Rs.lakh] 'lakh] [Rs.lakh] 'lakh] 'lakh] 3 years

Commercial Banks 251375 270531 108 334623 426528 127 468639.81 467256 100 112 Regional Rural Bank 4183 4605 100.79 9991 7733 77 7881.84 9639 122 100 Cooperative Banks 26350 26557 102.42 33543 34828 104 25500.10 36420 143 116 Others 1570 1608 102.42 4007 2707 68 2327.14 1829 79 83 All Agencies 283478 303301 106.99 382164 471796 123 504349 515144 102 111 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Broad Sector Target Ach'ment [Rs. Target Ach'ment [Rs. Ach'ment [Rs. Ach[%] in last Ach'ment [%] Ach'ment [%] Target [Rs.lakh] Ach'ment [%] [Rs.lakh] 'lakh] [Rs.lakh] 'lakh] 'lakh] 3 years

Crop Loan 123817 126082 101.83 140289 194893 138.92 171352 191376 111.69 117.48 Term Loan (Agr) 81539 95894 118 118342 137420 116.12 160320 149862 93.48 109.07 Total Agri. Credit 205356 221976 108 258631 332313 128.49 331671 341238 102.88 113.16 MSME SECTOR 22435 23503 105 35033 46277 132.10 46303 46807 101.09 112.65 Other Priority Sector 55688 57823 104 88500 93203 105.31 126375 127099 100.57 103.24 0 -3 Total Priority Sector 283478 303301 107 382164 471793 123.45 504349 515144 102.14 110.86 9. RECOVERY POSITION

2012-13 2013-14 2014-15 Average Rec. Agency Demand [Rs. Recovery [Rs. Demand [Rs. Recovery [Rs. Demand [Rs. Recovery [Rs. [%] in last 3 Recovery [%] Recovery [%] Recovery [%] lakh] lakh] lakh] lakh] lakh] lakh] years

Commercial Banks 0 0 0 0.00 Regional Rural Bank 0 0.00

Cooperative Banks 102435 95940 93.66 85745 79384 93.66 661.95 602.51 91.02 92.78 Others 0.00 All Agencies

Sources : Lead Bank & SLBC