PLP 2016-17 District EXECUTIVE SUMMARY

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

The Potential Linked Credit Plan (PLP) is prepared with a view to serve as a reference document for various policy makers, developmental and promotional agencies for planning at various levels and for creation of requisite infrastructure to meet the need of the district by judicious tapping of the potential. It facilitates banks for extending credit to viable activities in the district and line departments and developmental agencies to provide necessary infrastructure and linkage support. The PLP projections serve as a basis for banks in preparing Annual Credit Plan with special thrust on ‘Areas based Schemes’. Saving and Investment leading to capital formation are the prime movers of economy. Capital formation refers to addition to the capital stock of an economy which enhances the productive capacity of various factors of production viz. land, labour, capital and entrepreneurship in all the sectors i.e. primary (including agriculture), secondary and tertiary. With a large capital stock an economy acquires the capacity to change, innovate and adjust to new ideas and technological advances. Recognizing the importance of capital formation NABARD has chosen the theme “Accelerating the Pace of Capital Formation in Agriculture and Allied Sector” for the PLP for 2016-17. Longleng is the newly formed eleventh district of which was carved out of District. It is bounded by district on the west, Tuensang and Mon districts on the east, on the north and on the south. It is headquartered at Longleng, which is at an altitude of 1066 m above sea level. Longleng is about 232 km from the capital of Nagaland. Dikhu is the main river draining the district. The main language spoken in the district is Phom and the major towns are Longleng and Tamlu. The district has a pre humid to humid climate with red sandy and lateritesoil conditions. The population of the district is 50484, out of which 16,873 are cultivators and 278 are agricultural labourers (Census 2011). The total households stood at 11,985, of which 10,295 rural and 1690 urban households respectively. The density of the population is 90 persons per sq. km., sex ratio stood at 905 females per 1000 males, average literacy rate is 72.17%, but female literacy rate is 69.63% against male literacy rate of 74.48%. The district is equipped with 3 Primary Health Centres, 8 sub centres, 1 Hospital, 7 Post Offices, 35 villages are electrified and only 1 bank branch ( SBI ) as on 31st March 2015. With the majority of the people living in rural villages, agriculture remains the main occupation of the people of the district. Thus, economy of is entirely agriculture based. In spite of favourable climatic condition and fertile soil, primitive method of jhum cultivation is extensively practiced leading to wastage of time, energy and environmental degradation. In spite of the government`s efforts, the agricultural techniques adopted by the farmers are still semi-primitive and pre-industrial. As a result, the output is very low. The main crops of this district are paddy, maize, millet and barley. Cash crops like potato, soya bean and different kinds of local beans are also grown. Poultry and cattle breeding are also practiced, though mostly of the traditional method. The district still lags behind in the application of farm mechanization and farm equipments in its agricultural operations. The average yield of major crops during 2013-14 stood at 2399.39 kg/ha. There is limited infrastructure for development of allied activities as the district has only 1 veterinary hospital, 1 disease diagnostic centre, 2 veterinary health centres and 1 meat inspection centre.The infrastructure and support services for agriculture sectors need to be improved to meet the ever growing demands.

01 PLP 2016-17 Longleng District The overall credit flow to the priority sector in the last three years is as under : (In lakh) Sectors 2012-13 2013-14 2014-15 Target Ach. %age Target Ach. %age Target Ach. %age Agri & allied 499.14 318.61 63.83 553.61 80.70 14.52 553.61 53.00 9.58 MSE 99.75 52.25 52.38 117.75 72.25 61.36 117.75 87.00 73.72 OPS 100.88 93.01 92.19 128.25 99.01 77.20 128.25 142.50 110.93 Grand total 699.77 463.87 66.26 799.61 251.96 31.51 799.61 282.50 35.29

With the overall ACP achievement of 91.31% in the district during 2014-15, there has been an increase in credit flow in the priority sector with 35% achievement as compared to the previous year’s achievement of 32%. The PLP of Longleng district seeks to present a comprehensive assessment of potentials available under various sectors of the economy, the credit requirements for exploiting the potentials, available infrastructure as well as credit absorption capacity of the borrowers. It also show-cases the non- credit inputs required and aspects that require the attention of the Government and other agencies involved in the development process. The overall credit flow in the priority sector in the last three years wasRs.463.87 lakhs in 2012-13 and Rs.251.96 lakhs in 2013-14 and Rs.282.50 lakhs in 2014-15 respectively. Though the overall ACP achievement in the district during 2014-15 was 91.31%, there has beena decrease in credit flow in agriculture sector with only 9.58% achievement. Institutionalcredit flow towards agriculture especially crop loan in the district has been poor and is an area of concern that needs to be addressed.

Assessment of Credit Potentials for 2016-17: According to the revised PSL guidelines, Agriculture Sector is broadly divided into three sub sectors viz, (i) Farm credit (ii) Agriculture infrastructure and (iii) Ancillary activities. The basket of activities covered under each of the above three sub sectors under ’Agriculture Sector’ has also undergone revision and the classification of these activities in PLP document is aligned according to the revised classification. Out of Rs.1586.35lakh credit potential projected for 2016-17, the share of crop loan is 14.20% (Rs.225.31lakh), while Term Loan for Agri-Allied Activities constituted 44.52% (Rs.706.30lakh). The Potential Linked Credit Plan prepared for the district highlights the bankable potential of the various sectors of the economy. The Institutional credit potential estimates (Bank Loan) for 2016-17 is Rs.1586.36lakh against Rs.1066.14 lakh projected in the Base PLP for 2016-17. Due to changes in guidelines for priority sector lending, inter sectoral changes were made in the present document. The broad sector wise bankable projections and sectoral share in percentage term for 2016 - 17 is given below:

02 PLP 2016-17 Longleng District Sectors Credit Estimates(Rs in lakh) Sectoral Share % Crop loan- Short Term 225.31 14.20 Term Loan for Agri Allied 706.30 44.52 Agriculture Infrastructure 169.57 10.69 Ancillaries Activities 37.50 2.36 MSME 158.75 10.01 Export Credit 0.00 0.00 Education 72.00 4.54 Housing 134.40 8.47 Renewable Energy 9.72 0.61 Others- SHGs 60.45 3.81 Social Infrastructure 12.36 0.78 Total 1586.36 100.00

Area Based Schemes: The district is basically agrarian with favourable agro climatic conditions for undertaking various agri and allied activities which provides ample scope to promote single purpose small projects / schemes on a cluster basis known as Area Development Projects / Schemes. For example, financing of dairy units, piggery units, dug wells, sericulture, other horticulture crops, farm forestry projects, etc. and sanctioned to a single bank or to a number of banks. Besides the exigency of economic development of the people at large, it facilitates planning and execution of infrastructure facility viz., backward and forward linkages - for full realisation of the benefits of the projects / schemes. Those backward and forward linkages could also be planned and executed with credit support e.g. in the areas identified for development of dairy, there would be scope to promote units related to processing, cold storage and marketing units in the area. If the needs of inter-related activities are addressed in a focussed manner, the overall results will be self-sustaining. Thus, the scheme could focus on existing infrastructure, stage of present development of the activity, scope for increasing the activity, number of units to be set up, Government support available (including subsidy), status of ancillary activities, services required to support the main activity, credit support needed to expand and strengthen the activity, etc.

Credit estimates for for 2016-17 The PLP of Longleng district has estimated an Institutional credit potential of Rs.1586.35lakh for the year 2016-17. Credit potential for Agriculture and Allied sector has been estimated at Rs.1138.67 lakh while the potential under MSME (Micro, Small and Medium Enterprises) at Rs.158.75 lakh, Education at Rs.72.00 lakh, Housing at Rs.134.40 lakh, Renewable Energy at Rs.9.72 lakh, Others (SHGs/JLGs/PMJDY) at Rs.60.45 lakh and Social Infrastructure involving bank credit at Rs.12.36 lakh respectively. The above potential estimates indicate an increase of 36.30% over the projections made in the PLP for the year 2015-16. The above estimates have been made in keeping with the Central as well as State Government priorities for agriculture and rural development, generation of rural employment through credit intervention and taking into consideration the various infrastructural / support services available in the district/state. A summary of the sector-wise physical and financial projections is detailed in Annexure-I.

03 PLP 2016-17 Longleng District BROAD SECTORWISE PLP PROJECTIONS - 2016-17 (Rs Lakh) Sr. Particulars PLP No. Projections 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 225.31 ii Term Loan for agriculture and allied activities 706.30 Sub-Total 931.61 B Agriculture Infrastructure 169.56 C Ancillaries Activities 37.50 I Credit Potential for Agriculture 1138.67 II Micro, Small and Medium Enterprises 158.75 III Export Credit 0.00 IV Education 72.00 V Housing 134.40 VI Renewable Energy 9.72 VII Others (SHGs/JLGs/PMJDY) 60.45 VIII Social Infrastructure involving bank credit 12.36 Total Priority Sector(I to VIII) 1586.35

04 PLP 2016-17 Longleng District Summary of Sector/Sub-sectorwise PLP Projections for the year 2016-17 (Rs. in Lakh) Sr. No. Particulars PLP Projections 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 225.31 ii Water Resources 28.19 iii Farm Mechanisation 102.71 iv Plantation and Horticulture (including sericulture) 187.60 v Forestry and Waste Land Development 61.75 vi Animal Husbandry – Dairy 80.44 vii Animal Husbandry – Poultry 83.00 viii Animal Husbandry – Sheep, Goat, Piggery, etc. 128.86 ix Fisheries (Marine, Inland, Brackish water) 33.75 x Others – Bullock, Bullock cart, etc. 0.00 Sub Total 931.61 B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, Go- 78.75 downs, Silos, Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed development 82.82 iii Others - Vermicomposting 7.99 Sub-Total 169.56 C Ancillary activities i Food and Agro processing 37.50 ii Others 0.00 Sub-Total 37.50 Total Agriculture 1138.67 II Micro, Small and Medium Enterprises i MSME – Working capital 80.00 ii MSME – Investment credit 78.75 Total MSME 158.75 III Export Credit 0.00 IV Education 72.00 VI Housing 134.40 VI Renewable Energy 9.72 VII Others (SHGs/JLGs/PMJDY) 60.45 VIII Social Infrastructure involving bank credit 12.36 TOTAL PRIORITY SECTOR 1586.35

05 PLP 2016-17 LonglengPLP District 2016-17 Longleng District

MAP OF LONGLENG DISTRICT

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PLP 2016-17 Longleng District

District Profile

District - Longleng State - Nagaland Division -

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 885 Agro-climatic Zone Eastern Himalayan Region - North East Hills (Zone 2) No. of Sub Divisions 6 No. of Blocks 3 Climate Pre humid to humid No. of Villages (Inhabited) 38 Soil Type Red sandy. Laterite. No. of Panchayats 38 3. LAND UTILISATION [Ha] * 4. RAINFALL & GROUND WATER Total Area Reported 88500 Normal 2012-13 2013-14 2014-15 Actual Forest Land 3357 Rainfall [in mm] 2000 NA NA NANA Area Not Available for Cultivation 62008 Variation from Normal NA NA NANA Permanent Pasture and Grazing Land NA Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 9410 [Ham] NA NA NA Cultivable Wasteland 2190 5. DISTRIBUTION OF LAND HOLDING * Current Fallow 4890 Holding Area Classification of Holding Other Fallow 7290 Nos. % to Total Ha. % to Total Net Sown Area 20460 <= 1 Ha NA NA NA NA Total or Gross Cropped Area 25650 >1 to <=2 Ha NA NA NA NA Area Cultivated More than Once 5190 >2 Ha NA NA NA NA Cropping Inensity [GCA/NSA] 115.98 Total NA NA NA NA 6. WORKERS PROFILE [in '000] * 7. DEMOGRAPHIC PROFILE [in '000] * Cultivators 16.837 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 5.664 Population 50.484 26.502 23.982 42.871 7.613 Agricultural Labourers 0.278 Scheduled Caste NA NA NA NA NA Workers engaged in Household Industries 0.199 Scheduled Tribe NA NA NA NA NA Workers engaged in Allied Agro-activities 0.278 Literate 29.859 16.139 13.720 NA NA Other workers 3.630 BPL NA NA NA NA NA 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 11.985 Having brick/stone/concrete houses NA Having electricity supply NA Rural Households 10.295 Having source of drinking water NA Having independent toilets NA BPL Households 5.986 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 38 Anganwadis NA Dispensaries NA Villages having Agriculture Power Supply NA Primary Health Centres 3 Hospitals 1 Villages having Post Offices 7 Primary Health Sub-Centres 8 Hospital Beds NA Villages having Banking Facilities NA 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools NA Fertiliser/Seed/Pesticide Outlets [Nos] NA Agriculture Pumpsets[Nos] NA Villages having Primary Health Centres NA Total N/P/K Consumption [MT] NA Pumpsets Energised [Nos] NA Villages having Potable Water Supply NA Certified Seeds Supplied [MT] NA Agro Service Centres [Nos] NA Villages connected with Paved Approach Roads NA Pesticides Consumed [MT] NA Soil Testing Centres [Nos] NA 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] NA Plantation nurseries [Nos] NA Total Area Available for Irrigation (NIA + Fallow) NA Power Tillers [Nos] NA Farmers' Clubs [Nos] 3 Irrigation Potential Created 2314 Threshers/Cutters [Nos] NA Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area (Total area irrigated at least once) 1337 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 NA Length of Pucca Road [Km] NA Godown [Nos] NA Area irrigated by Tanks NA Length of Railway Line [Km] NA Godown Capacity[MT] NA Area irrigated by Other Sources NA 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) NA NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) NA NA Jhum Paddy 6080 11550 6080 11550 1899.67 Fruit (Pulp/Juice/Fruit drink) NA NA Terrace Paddy 280 700 280 700 2500.00 Spices (Masala Powders/Pastes) NA NA Maize 3030 5790 3030 5790 1910.89 Dry-fruit (Cashew/Almond/Raisins) NA NA Potato 190 1900 190 1900 10000.00 Cotton (Ginnining/Spinning/Weaving) NA NA Colocasia 400 3800 400 3800 9500.00 Milk (Chilling/Cooling/Processing) NA NA Rapeseed Mustard 1000 1010 1000 1010 1010.00 Meat (Chicken/Motton/Pork/Dryfish) NA NA Pulses 2660 3110 2680 3190 1190.30 Animal feed (Cattle/Poultry/Fishmeal) NA NA Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in )

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] 2 Animal Markets [Nos] NA Cattle - Cross bred 4222 1729 2493 Disease Diagnostic Centres [Nos] 1 Milk Collection Centres [Nos] NA Cattle - Indigenous 3967 979 2988 Artificial Insemination Centers [Nos] NIL Fishermen Societies [Nos] NA Buffaloes 14 6 8 Animal Breeding Farms [Nos] NIL Fish seed farms [Nos] NA Sheep - Cross bred NIL NIL NIL Animal Husbandry Tng Centres [Nos] NIL Fish Markets [Nos] NA Sheep - Indigenous NIL NIL NIL Dairy Cooperative Societies [Nos] NIL Poultry hatcheries [Nos] NA Goat 1306 NA NA Improved Fodder Farms [Nos] NIL Slaughter houses [Nos] NA Pig - Cross bred} } 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous} } 16034 NA NA Fish Production [MT] NA Per cap avail. [gm/day] NA Horse/Donkey/Camel NA NA NA Egg Production [Lakh Nos] 706 Per cap avail. [nos/p.a.] 37.00 Poultry - Cross bred} } Milk Production ['000 MT] 79.54 Per cap avail. [gm/day] 112.77 Poultry - Indigenous} } 53682 NA NA Meat Production [MT] 67 Per cap avail. [gm/day] 115.28 } : combined data # Status of Longleng district is not available. Hence, the status of Nagaland State as a whole for the year 2013 has been furnished in respect of Serial No. 19. NA: District Data not available

09 PLP 2016-17 Longleng District Banking Profile Appendix - 2

District - Longleng State - Nagaland Lead Bank - State Bank of India

1. NETWORK & OUTREACH (As on 31/03/2015) No. of Branches No. of non-formal agencies associated Per Branch Outreach No. of Agency Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households

Commercial Banks 1 1 1 0 0 0 0 30 11580 Regional Rural Bank# 0 0 0 0 0 0 0 0 0 0 District Central Coop. Bank# 0 0 0 0 0 0 0 0 0 0 Coop. Agr. & Rural Dev. Bank# 0 0 0 0 0 0 0 0 0 0 Primary Agr. Coop. Society NA NA NA NA NA NA NA NA NA NA Others NA NA NA NA NA NA NA NA NA NA All Agencies 1 1 NA 1 NA NA 232 NA 36 6200 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(%) Commercial Banks 1583.20 1834.70 2114.30 15 100 3426.27 3146.00 3364.30 7 100 Regional Rural Bank 0 0 0 0 0 0 0 0 0 0 Cooperative Banks 0 0 0 0 0 0 0 0 0 0 Others NA NA NA NA NA NA NA NA NA NA All Agencies 1583.20 1834.70 2114.30 15 100 3426.27 3146.00 3364.30 7 100 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(%) Commercial Banks 2022.00 1673.00 1621.00 NA NA 1580.71 1504.85 1792.45 19 100.00 Regional Rural Bank 0 0 0 0 0 0 0 0 0 0 Cooperative Banks 0 0 0 0 0 0 0 0 0 0 Others NA NA NA NA NA NA NA NA NA NA All Agencies 2022.00 1673.00 1621.00 NA NA 1580.71 1504.85 1792.45 19 100.00 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 46.10 45.25 91.31 Commercial Banks 5900 15 5900 15 Regional Rural Bank 0.00 0.00 0.00 Regional Rural Bank 0 0 0 0 Cooperative Banks 0.00 0.00 0.00 Cooperative Banks 0 0 0 0 Others NA NA NA Others NA NA NA NA All Agencies 46.10 45.25 91.31 All Agencies 5900 15 5900 15 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 23125 NA 23125 NA NA NA NA NA 3835 NA Regional Rural Bank 0 0 0 0 0 0 0 0 0 0 Cooperative Banks 0 0 0 0 0 0 0 0 0 0 Others NA NA NA NA NA NA NA NA NA NA All Agencies 23125 NA 23125 NA NA NA NA NA 3835 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 Ach'ment Ach[%] in last Ach'ment [%] Target [Rs.lakh] [Rs.lakh] [Rs. lakh] [%] [Rs.lakh] [Rs. lakh] [Rs. lakh] [%] 3 years Commercial Banks 999.77 687.49 68.76 1159.61 525.46 45.31 1174.61 1072.51 91.31 68.48 Regional Rural Bank 0 0 0 0 0 0 0 0 0 0 Cooperative Banks 0 0 0 0 0 0 0 0 0 0 Others NA NA NA NA NA NA NA NA NA NA All Agencies 999.77 687.49 68.76 1159.61 525.46 45.31 1174.61 1072.51 91.31 68.48 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 Ach'ment Ach[%] in last Ach'ment [%] Target [Rs.lakh] [Rs.lakh] [Rs. lakh] [%] [Rs.lakh] [Rs. lakh] [Rs. lakh] [%] 3 years Crop Loan NA NA NA NA NA NA NA NA NA NA Term Loan (Agr) NA NA NA NA NA NA NA NA NA NA Total Agri. Credit 499.14 318.61 63.83 553.61 80.70 14.52 553.61 53.00 9.58 29.30 Non-Farm Sector 99.75 52.25 52.38 117.75 72.25 61.36 117.75 87.00 73.72 62.54 Other Priority Sector 100.88 93.01 92.19 128.25 99.01 77.20 128.25 142.50 110.93 93.50 Total Priority Sector 699.77 463.87 66.28 799.61 251.96 31.51 799.61 282.50 35.29 61.78 9. RECOVERY POSITION 2012-13 2013-14 2014-15 Average Rec. Agency Demand [Rs. Recovery Demand [Rs. Recovery Demand [Rs. Recovery [%] in last 3 Recovery [%] Recovery [%] Recovery [%] '000] [Rs. '000] '000] [Rs. '000] '000] [Rs. '000] years Commercial Banks NA NA NA NA NA NA NA NA NA NA Regional Rural Bank 0 0 0 0 0 0 0 0 0 0 Cooperative Banks 0 0 0 0 0 0 0 0 0 0 Others NA NA NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA NA NA NA NA NA

Sources : Lead Bank & SLBC # : There is no RRB, SCB or SCARDB operating in the district

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