Executive Summary

Budgam district is a Constituted District which was carved out from Srinagar district of Kashmir Division. The district extends to both mountainous and plain areas of varying heights and has an average height of 5281 feet. The maximum rainfall recorded was in the year 2001 at 704 mm. However the district receives adequate rainfall. The prevailing climatic conditions allow only mono-cropping in most parts of the district. Poor road network, transport facilities and accessibility is one of the major constraints behind outreach of the rural people to the development interventions undertaken by various agencies in the district.

The district has total 81 number of bank branches of which 41 are rural, 28 are semi-urban and 12 are urban branches. J&K Bank Ltd. is the Lead Bank of the district. CD ratio of Budgam district is 78% as on 31/03/2015. Financial Inclusion programme and Self Help Group movement for credit linkage of the poor is yet to make complete inroads into the district, particularly the remote areas due to poor institutional infrastructure and manpower for awareness, sensitization and social mobilization of the rural people. Total flow of Ground Level Credit (GLC) under priority sector was ` 166.49 crore, ` 209.98 crore, and `440.08 crore, during 2012-13, 2013-14 and 2014-15, respectively. District Credit Plan showed achievement of 94.10 %, 71.89% and 110.00%, over same period. Share of agriculture credit in total GLC during the past three years was 34.03%, 30.80% and 41.29%, respectively.

The projections of Potential Linked Credit Plan (PLP) of Budgam district for 2016-17 are assessed at `524.48 crore. Sector wise coverage of credit potential is indicated as under: `254.73 crore for Total Agriculture (Farm credit, Agriculture infrastructure and Ancillary activities), `220.65crore for MSME (including medium enterprises), `3.60 crore for Export Credit, `9.90 crore for Education, `19.68crore for Housing, ` 1.74 crore for Social Infrastructure, ` 6.45 crore for Renewable Energy, and ` 7.66 crore for ‘Others’. PLP for credit for 2016-17 marks 24.65% growth over PLP of 2015-16, for the Priority Sectors in Budgam district.

Major constraints likely to affect the translation of potential for institutional credit assessed under the PLP-2016-17 into actual flow of GLC in various sectors are : poor outreach of development programmes of State and Central Government, poor branch network, low spread of BCs, lack of SHPIs, lack of basic rural infrastructure facilities, apathy of farmers/ rural people towards banks, lack of coordination among agencies, absence of Crop Insurance facilities due to poor infrastructure and awareness, lack of off-farm skills and facilities, etc. Suggested action points to circumvent the adverse impacts of constraints are as under: social mobilization, creation of awareness, skill formation drives, enhancing coordination among agencies, financial literacy camps, etc. NABARD has initiated steps in this direction by promotion of Women SHGs, Area Development Schemes, organizing FLCs, etc. Thrust areas planned in the district are: promotion of SHGs, JLGs, POs, cooperatives, etc. which require optimum coordination among all agencies including decentralized participation of the rural people. Needless to mention, the district requires adequate capital formation in the priority sectors to meet requirements of the local population to ensure inclusive growth of all. Effective monitoring and review of implementation of PLP and Annual Credit Plan through DCC/ DLRC and BLBC meetings is required to achieve the stated objective of inclusive growth.

Disclaimer: The GLC reported in PLP document does not cover Jewel Loans

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Broad Sector wise PLP Projections -2016-17 (` lakh) Sr. Particulars PLP Projections No. 2016-17 A Farm Credit i Crop Production, Maintenance and marketing 15552.90 ii Term Loan for agriculture and allied activities 7773.39 Sub Total 23301.29 B Agriculture Infrastructure 686.71

C Ancillary Activities 1485.75

I Credit potential for Agriculture (A+B+C) 25473.75

II Micro, small and Medium Enterprise 22065.66

III Export Credit 360.00

IV Education 990.00

V Housing 1968.75

VI Renewable Energy 645.69

VII Others 766.63

VIII Social Infrastructure Involving Bank Credit 174.00

Total Priority Sector (I to VIII) 52448.47

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Summary of Sector/Sub-sector wise PLP Projections 2016-17

(` lakh) Sr. Particulars PLP Projections No. 2016-17 I Credit Potential For Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 15552.90 ii Water Resources 1931.63 iii Farm Mechanization 2059.07 iv Plantation and Horticulture 2919.38 v Forestry and Waste Land 20.25 vi Animal Husbandry-Dairy 237.96 vii Animal Husbandry –Poultry 285.75 viii Animal Husbandry-Sheep, Goat, etc 222.75 ix Fisheries 38.70 x Others-Bullock, Bullock Cart, etc 58.55 Sub Total 23301.29 B Agriculture Infrastructure i Construction of storage facilities 481.88 ii Land Development, Soil Conservation 87.83 iii Others 117.00 Sub Total 686.71 C Ancillary Activities i Food and agro Processing 1461.00 ii Others 24.75 Sub Total 1485.75 TOTAL AGRICULTURE 25473.75 II Micro, small and medium Enterprises i MSME-Working capital 3677.61 ii MSME-Investment Credit 18388.05 Total MSME 22065.66 III Export Credit 360.00 IV Education 990.00 V Housing 1968.75 VI Renewable Energy 645.69 VII Others Priority 766.63 VIII Social Infrastructure involving Credit 174.00 Total Priority Sectors (I to VIII) 52448.47

11 Map of Budgam District

12 District Profile District - Budgam State - Jammu & Kasahmir Division - Kashmir 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 1371 Agro-climatic Zone: Temperate No. of Sub Divisions 1 No. of Blocks 17 Climate : Hot in Summmer and Severe Cold in Winter No. of Villages (Inhabited) 496 Soil Type: Clay Loam & Sandy Loam No. of Panchayats 283 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 77829 Rainfall [in mm] Normal Actual 2008-09 2009-10 Forest Land 477 502 NA NA Area Not Available for Cultivation 9272 Variation from Normal NA NA Permanent Pasture and Grazing Land 6185 Availability of Ground Water Net annual recharge Net annual draft Land under Miscellaneous Tree Crops 1098 [Ham] NA NA NA NA Cultivable Wasteland 3723 5. DISTRIBUTION OF LAND HOLDING Current Fallow 9086 Classification of Holding Holding Area Other Fallow 2580 Nos. % to Total Ha. Net Sown Area 43688 <= 1 Ha 70135 88 28813 Total or Gross Cropped Area 55734 >1 to <=2 Ha 8019 10 10750 Area Cultivated More than Once 10990 >2 Ha 1731 2 5009 Cropping Inensity [GCA/NSA] 125 % Total 79885 100 44573 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 34173 Category Total Male Female Rural Of the above, Small/Marginal Farmers NA Population 754 398 356 629 Agricultural Labourers 11560 Scheduled Caste 0.37 0 Workers engaged in Household Industries 14401 Scheduled Tribe 24 12 12 NA Workers engaged in Allied Agro-activities NA Literate 92.4 46.4 46.03 NA Other workers 71869 BPL 38 NA NA NA 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 103363 Having brick/stone/concrete houses NA Having electricity supply Rural Households 10300 Having source of drinking water 37 Having independent toilets BPL Households 58430 Having access to banking services NA Having radio/tv sets 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 473 Anganwadis NA Dispensaries Villages having Agriculture Power Supply NA Primary Health Centres 36 Hospitals Villages having Post Offices 82 Primary Health Sub-Centres 33 Hospital Beds Villages having Banking Facilities 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 717 Fertiliser/Seed/Pesticide Outlets [Nos] 31 Agriculture Pumpsets[Nos] Villages having Primary Health Centres 44 Total N/P/K Consumption [MT] 9 Pumpsets Energised [Nos] Villages having Potable Water Supply 475 Certified Seeds Supplied [MT] 15 Agro Service Centres [Nos] Villages connected with Paved Approach Roads NA Pesticides Consumed [MT] NA Soil Testing Centres [Nos] 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] NA Plantation nurseries [Nos] Total Area Available for Irrigation (NIA + Fallow) 30395 Power Tillers [Nos] NA Farmers' Clubs [Nos] Irrigation Potential Created NA Threshers/Cutters [Nos] NA Krishi Vigyan Kendras[Nos] Net Irrigated Area(Total area irrigated at least once) 28777 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 27100 Rural/Urban Mandi/Haat [Nos] NA Wholesale Market [Nos] Area irrigated by Wells - Length of Pucca Road [Km] 1905 Godown [Nos] Area irrigated by Tanks 53 Length of Railway Line [Km] 60 Godown Capacity[MT] Area irrigated by Other Sources 68 Public Transport Vehicle [Nos] NA Cold Storage [Nos] Irrigation Potential Utilized (Gross Irrigated Area) 33914 Goods Transport Vehicle [Nos] NA Cold Store Capacity[MT] 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS

13 Banking Profile District - BUDGAM State - JAMMU & KASHMIR Lead Bank - J&K BANK 1. NETWORK & OUTREACH (As on 31/03/2012) Agency No. of No. of Branches No. of non-formal agencies assoiated Per Branch Outreach Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households Commercial Banks 5 58 42 16 - NA 756 16 NA NA Regional Rural Bank 1 12 10 2 - NA 250 8 NA NA District Central Coop. Bank 1 8 7 1 NA NA NA NA NA Coop. Agr. & Rural Dev. Bank 1 4 3 1 - NA NA NA NA NA Primary Agr. Coop. Society 56 56 - - NA NA NA NA NA Others 1 1 1 NA NA NA NA NA All Agencies including PACS 110 95 15 - NA NA NA NA NA 2. DEPOSITS OUTSTANDING Agency No. of accounts Amount of Deposit [Rs.'Crore] 31-Mar-12 31-Mar-13 31-Mar-14 Growth(%) Share(%) 31-Mar-12 31-Mar-14 31-Mar-15 Grow th(%) in Share(%) 2014-15 Commercial Banks NA NA NA NA NA 982.76 1012.12 1209.57 16.32 89.12 Regional Rural Bank NA NA NA NA NA 55.71 57.2 63.99 10.61 4.71 Cooperative Banks NA NA NA NA NA 71.9 69.8 83.62 16.53 6.16 Others NA NA NA NA NA - - - All Agencies NA NA NA NA NA 1110.37 1357.18 100.00 100.00 3. LOANS & ADVANCES OUTSTANDING Agency No. of accounts Amount of Loan [Rs.crore] 31-Mar-12 31-Mar-13 31-Mar-14 Growth(%) Share(%) 31-Mar-12 31-Mar-13 31-Mar-14 Growth(%) Share(%) Commercial Banks NA NA NA NA NA 462.06 613.30 932.32 24.66 89.70 Regional Rural Bank NA NA NA NA NA 19.64 24.20 34.11 18.84 3.54 Cooperative Banks NA NA NA NA NA 36.4 46.20 51.93 30.95 6.76 Others NA NA NA NA NA - - - - All Agencies NA NA NA NA NA 518.10 683.70 1018.36 30.95 100.00 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) Agency CD Ratio (%) Agency During 2011-12 Cumulative 31-Mar-12 31-Mar-13 31-Mar-14 Deposit Credit Deposit Credit Commercial Banks 47.00 71.5 83.6 Commercial Banks NA NA NA NA Regional Rural Bank 35.00 42.5 53.31 Regional Rural Bank NA NA NA NA Cooperative Banks 51.00 35.00 62.1 Cooperative Banks NA NA NA NA Others NA NA NA Others NA NA NA NA All Agencies 47.00 69.00 76.50 All Agencies NA NA NA NA 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) Agency Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Amount % of Total Amount % of Total Amount % of Total Amount % of Total Amount % of Total [Rs.'000] Loans [Rs.'in lac] Loans [Rs.'lac] Loans [Rs.in lac] Loans [Rs.'in lac] Loans

Commercial Banks 7614300 91.017 1667542 21.90 3178500 20.64 10400.00 - 916300 8.76 Regional Rural Bank 314500 3.759 109452 34.80 135400 36.59 - 15800 4.25 Cooperative Banks 437000 5.224 40453 9.26 138400 23.54 - 30000 5.14 Others - - - NA NA - - NA NA All Agencies 8365800 100.000 1817447 22 3467500 28.96 10400.00 1.68 963500 8.05 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS ( Rs. Lakh) Agency 2012-13 2013-14 2014-15 Ach. in last 2 years Ach'ment Ach'ment Target Ach'ment Target Ach'ment Target Ach'ment Ach'ment [%] [%] [%]

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