SFP-2016-17 State EXECUTIVE SUMMARY

1. Introduction NABARD, as an apex level developmental financial institution, is associated in the decentralized planning process. As a part of this role NABARD prepares Potential Linked Credit Plans (PLP) at district level.At the state level, ‘State Focus Paper’ is prepared which presents an aggregation of the district level projections made in the annual Potential Linked Credit Plans (PLP). The basic objective of such planning exercise is to assess the credit potential keeping in view the sector specific physical potential, infrastructure support, forward and backward linkages, local skills and natural resources and credit absorption capacity of the sector. The credit projection is also fine tuned by factoring in the priorities and the policies of the GoI, State Govt. and the RBI. Keeping in view the importance of capital formation in enhancing production and productivity of the agriculture sector, the theme for the State Focus Paper 2016-17 has, therefore, been appropriately retained as “Accelerating the pace of capital formation in agriculture and allied sector”. The projections for the Credit and infrastructure funding were prepared and documented in the Potential Linked Credit Plans (PLPs) prepared for all the four districts, which shall form the basis of District Credit Plans. Accordingly, credit potential of ` 523.37 Crore under Priority Sector activities in Sikkim State for the year 2016-17 is estimated, which envisages an increase of 7.5 % over the previous year’s projections of `486.86 Crore. The credit projections has been made taking into account, the major concerns for poor C:D Ratio, revised Priority Sector Lending (PSL) norms issued by RBI, thrust given by GOI to increase the credit flow for agriculture sector, etc.

2. State Profile

Sikkim is the second smallest State in terms of area and smallest State in terms of population in the country.Rural Population constitutes 74.85% and density of population in the State is 86 persons/sq.km. The sex ratio is 890 females per 1,000 male population. The per capita income of the State is` 88,137/-. Nestled in the Himalayas, the economy of Sikkim is linked with agriculture that serves as a source of livelihood and economic security of sizeable native population. Due to low production and productivity in Sikkim (which is lower than both the regional and national averages for all the major field crops) and its fragile ecology, the state is capitalizing on its inherent strength of organic farming.

3. Banking Profile Sikkim has a network of 31 Commercial (22 public sector banks and 8 private sector banks and one State Co-operative Bank). As on 30 September 2015, total number of branches were 136 comprising 102 rural and 34 semi-urban branches. Besides, there is an exclusive bank namely State Bank of Sikkim which is not governed under BR Act, 1949. The population per bank branch is 4490. The total Deposits stood at` 5692.61crore as on 31 March 2015 registering a growth of 3.33 % over the previous year. Similarly, advances stood at` 4298.75 crore registering a growth of 7.67% over the corresponding previous year. 3.1 C:D Ratio

The C:D Ratio of the state, taking into account credit extended by the banks operating in the state for the current year, was poor and stood at 40.40%.After taking into account the 'outside credit', the C:D Ratio as on 31 March 2015 stood at 75.50 % against 72.50 % as on 31.3.2014.

9

SFP-2016-17 Sikkim State

3.2 Recovery Position of Banks

The recovery position of the commercial banks has declined to 37.8% as on 31.03.2015 from 48.47 % 31.03.2014.

3.5 Ground Level Credit Flow (` Lakh)

Banks/ As on 31 March 2013 As on 31 March 2014 As on 31 March 2015

Target Achieve % of Target Achievem % of Target Achieve % of ment achieve ent achieve ment achieve ment ment ment

Agriculture 7000.00 2100.06 30.00 14700.00 3105.57 21.12 16725.07 3739.17 22.36

Industries 1100.00 1970.96 179.18 1263.00 801.94 63.49 3420.30 8254.64 241.3

Tertiary 20000.00 15979.71 79.90 20400.00 13356.03 65.47 25979.00 20166.13 77.6

Total 28100.00 20050.73 71.35 36363.00 17263.54 47.47 46124.37 32159.94 69.72

(Source SLBC)

Despite Sikkim being an agrarian state, the performance of banks in Sikkim in agriculture and allied activities has been well below 30% in the last three years. There has been a contradictory picture in case of industrial growth. Though there are limited big and basic industries in Sikkim barring few multinational medicinal units, the disbursement in industrial sector has constantly surpassed the target. The performance in tertiary sector has been steady due to rapid growth in housing and transport sector as also in service units.

4. Rural Infrastructure

Rural infrastructure primarily refers to the basic facilities, services and installations, both physical and social, needed for the rural community or society. It mainly includes irrigation structures for agriculture, rural roads, bridges, water supply, sanitation, rural energy, education, health and communication systems. Rural infrastructure in sectors like irrigation and connectivity (roads and bridges) is essential for increasing productivity of land, capital formation, employment potential, reducing post harvest losses and improving living standards of the people.

For the purpose of identification and prioritization of Critical Infrastructure Gaps, a list of critical infrastructure and linkage support required for important sectors in each of the districts has been prepared through dialogue and interaction with line departments, and is furnished in Annexure III in detail. The critical infrastructural gaps presented in Annexure III have been identified as priority area for action by the State with an option to avail funds under RIDF, as most activities are eligible for funding thereunder. Better rural infrastructure has twin effect of strengthening the foundation of agriculture, the pace setter for promotion of economic growth for better health and physical conditions of rural population.

10

SFP-2016-17 Sikkim State

NABARD through its PLPs has made an attempt to identify the district-wise critical infrastructure requirement. An aggregation of the requirement reveals that an investment of ` 64.30 crore is required in the sectors viz. Warehousing, water supply, irrigation, flood protection, animal husbandry, post harvest management, social sector related infrastructure, cold storage fisheries etc. This is indicative and made on the basis of assessment made in consultation with line departments at district level.

5. Potential Credit outlay

State Focus Paper for the year 2016-17 estimates total credit potential of ` 523.37 crore under Priority Sector lending. The projections show an increase of 7.5 % over the previous year's estimate at ` 486.86 crore. The increase is on account of growth envisaged and inclusion of additional activities within the definition of priority sector as per the revised Priority Sector Lending (PSL) norms issued by Reserve . The district-wise details are presented in Annexure I.

6. Area based schemes. In order to facilitate convergence of multi-agency efforts for development of agriculture & allied sectors so as to trigger a definitive and visible economic impacts in certain identified, high potential geographical pockets, NABARD has come out with a concept of “Area Based Schemes under Banking Plans” envisaging an integrated development of identified sector/activity through financial support as term loans from Banks. The implementation of such plans would be a coordinated effort of NABARD, Lead Bank, other banks, line departments and other important stakeholders.

7. Microfinance 7.1 Promotion of Women SHGs in North & East Districts under GOI's WSHG Programme

In order to encourage bankers to credit link SHGs on a sustainable way and also to graduate them to micro enterprises, a pilot project viz., Scheme for Promotion of Women SHGs in Left Wing Extremist (LWE) affected and Backward Districts of India is being implemented in North and East district in Sikkim. These districts have been identified by Government of India to bring out a viable & self sustainable model for promotion & financing of women SHGs by involving an anchor NGO. M/s Himalayan Education Society and M/s Bhavishya Bharat have been selected as anchor NGOs in and M/s United Progress Organistion of Sikkim (UPOS) and M/s Tumin Shivalin Club have been selected as anchor NGOs in .This approach is expected to facilitate sustained financial inclusion through bank loan, promote livelihood development of women and deliver social development programmes for women through SHGs. As on 31 December 2015, 1085 Women SHGs were formed, 700 Savings linked and 120 have been Credit linked in the State.

7.2 Financing Joint Liability Groups (JLGs) NABARD continued with its initiative of promoting Joint Liability Groups (JLGs) with a view to promoting access to credit for small and marginal farmers, tenant cultivators and landless labourers. The JLGs fill a critical gap in the rural areas where marginal farmers and tenant farmers find it difficult to access bank loans. Joint Liability Groups (JLGs) are informal groups of 4-10 members who are engaged in similar or independent economic activities like crop production, dairy farming or other allied agriculture activities or non-farm based activities who are willing to jointly undertake to repay the loans taken by the group from banks. NABARD extends grant support for formation and nurturing of JLGs to banks, NGOs and other JLG Promoting Institutions (JLPI). It also extends financial support for awareness creation and capacity

11

SFP-2016-17 Sikkim State building of all stakeholders. Himalayan education Society and Krishi Vigyan Kendra, West District have been considered as JLPIs and were santioned promotion and credit linkage of 100 and 30 JLGs respectively for 2015-16.

7.3. Livelihood Programme of Government of India 7.3.1. National Rural Livelihood Mission (NRLM)

The Ministry of Rural Development (MoRD), GOI, launched the National Rural Livelihood Mission (NRLM) by replacing Swarnajayanti Gram Swarojgar Yojana (SGSY) with effect from 1 April 2013. The interest subvention scheme under NRLM for eligible women SHGs in identified districts is being implemented by NABARD for RRBs and Cooperative banks.

7.3.2. North East Rural Livlihood Project (NERLP)

On the lines of National Rural Livelihood Mission, a special programme for livelihood has been earmarked exclusively in 4 North-Eastern states including Sikkim. The programme envisages promotion of 3,000 self help groups with the financial support of World Bank and imparting training and capacity building to the poor people for taking up economic activities. The programme is implemented in South and West districts and 15 Panchayat wards of East district. As on 31 December 2015, a total of 3130 SHGs have been brought under NERLP fold. 8. LONG TERM RURAL CREDIT FUND (LTRCF) In order to give a boost to long term investment credit in agriculture, Government of India has set up a “Long Term Rural Credit Fund” of ` 15,000 crore in the Union Budget 2015-16 with NABARD for providing long term refinance support for investment credit in agriculture activities exclusively for Cooperative Banks and Regional Rural Banks (RRBs). The extent of refinance for Sikkim is 100% of eligible bank loans for all purposes. The rate of interest on loans to ultimate borrowers is as per RBI guidelines. Banks can however extend loans to farmers at a concessional rate of interest as compared to their normal lending for agricultural activities. The interest rate on refinance will be 6.20% p.a. subject to revision by NABARD from time to time. Banks can pass on the benefit to the ultimate borrower. The repayment period for refinance will be 5 years to be repaid on half-yearly basis on 31 January and 31 July every year. For the year 2015-16, the disbursements out of LTRCF is ` 2.21 crore in Sikkim.

9. Financial Inclusion 9.1 Financial Inclusion Fund

Based on the recommendations in the interim report of the Committee on Financial Inclusion, GoI had decided to create two funds, viz., Financial Inclusion Fund (FIF) for meeting the cost of developmental and promotional interventions and Financial Inclusion Technology Fund (FITF) to meet the cost of technological innovation and adoption, with a corpus of `500 crore each, with contribution from GoI, RBI and NABARD. With effect from 01 April 2015, these two funds have been merged and a new Financial Inclusion Fund, with a corpus of `2,000 crore has been created with NABARD. Various interventions supported under the Fund to Cooperative Banks/RRBs are as follows

• Financial Literacy Campaigns at ground level • ICT Solution adopting BC/BF Model • Support for ICT Solution through Cooperative Banks • Assistance for Smart/ICT enabled KCC to Cooperative Banks/RRBs

12

SFP-2016-17 Sikkim State

• Support for Micro ATMs (PoS) • Support to RRBs & Cooperative Banks for setting up of Financial Literacy Centres(FLCs) • Engaging Farmers' Club as BF by RRBs • Engaging SHGs as BC/BF by RRBs • Assistance for Rupay Debit Cards

9.2 Prime Minister Jan Dhan Yojana (PMJDY) : To eradicate ‘Financial untouchability’, GOI has launched a massive nation-wide comprehensive Financial inclusion Programme called ‘Prime Minister’s Jan Dhan Yojana’ intended to include the marginalised section of the society within the formal banking fold. PMJDY envisages provision of affordable financial services to all citizens within a resonable distance. As on 30 September 2015, 137391 accounts have been opened in Sikkim under PMJDY.

9.3 Social Security Schemes :

Three social security schemes Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal Pension Yojana (APY) were launched by Hon’ble Prime Minister on 9th May 2015. Implementation of these schemes by cooperative banks and RRBs is being monitored by NABARD. As on 15 October 2015, 28290 accounts under PMSBY and 15927 accounts under PMJJBY have been opened in Sikkim. Under APY 420 accounts have been opened as on 15 October 2015 in Sikkim.

10. Producers Organization Development and Upliftment Corpus (PRODUCE) Fund. To extend financial support to Producers Organisations (POs) in taking up economic activities, NABARD has set up a Producers Organisation Development Fund (PODF) of ` 50 crore from its surpluses in 2011. Recognizing the need for promoting farmers organisations, Government of India set up the PRODUCE Fund with a Corpus of ` 200 Crore in NABARD for Setting up of 2000 Producers’ Organizations over two years. In Sikkim, NABARD has sanctioned a cumulative grant assistance of ` 36.24 Lakh towards formation of 04 FPOs in the state.

********************

13

SFP-2016-17 Sikkim State

Summary of detailed Sector/Sub-Sectorwise PLP Projections 2016-17

(` Lakh) Sl.No Sector/Activity East West North South State Total Crop Production I Maintenance & 6056.10 1977.80 561.59 4457 13052.49 Marketing

II Term loan for Agriculture and Allied Activities

1 Water Resources 6.84 17.98 22.52 18 65.34

2 Farm Mechanization 7.81 39.30 3.24 27.36 77.71

3 Plantation & Horticulture 1100.98 263.61 221.57 1034.46 2620.62

Forestry and Wasteland 4 15.84 39.30 0 33.62 88.76 Development Animal Husbandry - Dairy 5 741 210.60 151.20 291.60 1394.40 Development Animal Husbandry - 6 352.95 132.53 31.37 121.50 638.35 Poultry Development Animal Husbandry - Sheep, 7 Goat and Piggery 566.85 165.60 20.68 153.45 906.58 Development

8 Fisheries Development 14.85 22.95 21.60 22.05 81.45

9 Others 30.61 9.36 7.56 7.88 55.41

III Agriculture Infrastructure

1 Rural Godowns 297 7 40 72 416

2 Land Development 8.45 20.25 62.71 25.56 116.97

3 Others 3 3.27 20.25 4.32 30.84

IV Ancilliary Activities

1 Food and Agro Processing 25.22 45.36 45 39.60 155.18

Miscellaneous Processing 10 0 27 45 82 2 Units

3 Other food products unit 2.40 7.56 0 0 9.96

14

SFP-2016-17 Sikkim State

(` Lakh) Sl.No Sector/Activity East West North South State Total

4 ACABC 0 45 0 0 45

5 Loans to Co.op Societies of 64.80 0 0 0 64.80

Total Agriculture (I+II+III+IV) 9304.70 3007.49 1236.29 6353.40 19901.88

Credit Potential for Micro, V Small and Medium 13165.65 1146.76 366.75 363.42 15042.58 Enterprises (MSME) VI Potential for Export Credit 72 45 90 54 261 Credit Potential for VII 2970 140.40 54 567 3731.40 Education Credit Potential for VIII 5346 630 405 3798 10179 Housing Credit Potential for IX 8.91 7.2 0.54 7.02 23.67 Renewal Energy X Credit Potential for Others 2240 72.50 363.15 452.25 3127.90 Social Infrastructure XI 9 6.75 7.20 46.90 69.85 involving bank credit Total Priority Sector 33116.26 5056.10 2522.93 11641.99 52337.28

*****************

15

SFP-2016-17 Sikkim State Sikkim State Map

Source-www.sikkim-roadsandbridges.gov.in

16

SFP-2016-17 Sikkim State

Chapter 1 - Sikkim State Profile 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 7096 Agro-climatic Zone Tropical , Temperate, Alpine No. of Disricts 4 No. of Blocks 28 Climate Tropical to temperate predominantly wet and moist. No. of Villages (Inhabited) 956 Soil Type Loamy sand to silty clay loam with acidic in nature No. of Panchayats 166 3. LAND UTILISATION [Ha] Land Use Statistics, Min of 4. RAINFALL( mm) & GROUND WATER Agriculture, GoI,2006 Total Area Reported 709600 Rainfall [in mm] Normal 2011-12 2012-13 2013-14 2014-15 Forest Land 153406 2000-5000 3402 3894 2739 Area Not Available for Cultivation 12745 Availability of Ground Water Permanent Pasture and Grazing Land 4371 Net annual recharge Net annual draft Balance [Ham] Land under Miscellaneous Tree Crops 5672 NA NA NA Cultivable Wasteland 2387 5. DISTRIBUTION OF LAND HOLDING( Agri Census 2010-11) Current Fallow 4650 Classification of Holding Holding Area Other Fallow 30000 Nos. % to Total Ha. % to Total Net Sown Area 65043 <= 1 Ha 40476 54.01 14811 13.88 Total or Gross Cropped Area 113065 >1 to <=2 Ha 16941 22.6 20397 19.11 Area Cultivated More than Once NA >2 Ha 16731 22.32 59170 55.46 Cropping Intensity [GCA/NSA] 173 Total 74148 94378 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Census of India 2011 Cultivators 117 Category Total Male Female Rural Urban Of the above, Marginal Farmers 78 Population 610 323 287 457 153 Agricultural Labourers 26 Scheduled Caste 28 14 14 NA NA Workers engaged in Household Industries 5 Scheduled Tribe 206 105 101 NA NA Workers engaged in Allied Agro-activities NA Literate 82% 86% 75% 80% 89% Other workers 160 BPL 102' 54 48 NA NA 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 129 Having brick/stone/concrete houses 48 Having electricity supply 68 Rural Households 93 Having source of drinking water 2 Having independent toilets 6 BPL Households 22 Having access to banking services 33 Having radio/tv sets NA 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 956 Anganwadis NA Dispensaries 146 Villages having Agriculture Power Supply NA Primary Health Centres 24 Hospitals 4 Villages having Post Offices NA Primary Health Sub-Centres 146 Hospital Beds 1180 Villages having Banking Facilities NA 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 332 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] 4 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] NA Plantation nurseries [Nos] NA Total Area Available for Irrigation (NIA + Fallow) 6504 Power Tillers [Nos] NA Farmers' Clubs [Nos] 521

Irrigation Potential Created 28689 Threshers/Cutters [Nos] NA Krishi Vigyan Kendras[Nos] 4

Net Irrigated Area(Total area irrigated at least once) 1533 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING

Area irrigated by Canals / Channels 20236 Rural/Urban Mandi/Haat [Nos] 181 Wholesale Market [Nos] 1 Area irrigated by Wells - Length of Pucca Road [Km] 1100 Godown [Nos] 1 Area irrigated by Tanks NA Length of Railway Line [Km] 0 Godown Capacity[MT] NA Area irrigated by Other Sources NA Public Transport Vehicle [Nos] 6928 Cold Storage [Nos] 2 Irrigation Potential Utilized (Gross Irrigated Area) 25055 Goods Transport Vehicle [Nos] 2855 Cold Store Capacity[MT] 0 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] Crop 2013-14 2014-15 Food Avg. Yield 51 NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) (Rice/Flour/Dal/Oil/Tea/Coffee) [Kg/Ha] Sugarcane 26 NA Rice 11160 20260 11040 20070 1817.93 (Gur/Khandsari/Sugar)

Fruit (Pulp/Juice/Fruit drink) 11 NA Wheat 360 380 390 420 1066.84 Spices (Masala Powders/ 5 NA Maize 39930 68820 39880 68890 1727.51 Pastes) Dry-fruit - NA Buck wheat 3630 3490 3690 3550 962.6 (Cashew/Almond/Raisins) Cotton 46 NA Finger-Millet 2960 2970 2960 2970 1004.39 (Ginnining/Spinning/Weaving) Milk 1 NA Barley 580 590 490 500 1031.13 (Chilling/Cooling/Processing) Meat 1 NA Pulses 6300 5830 6260 5810 927.8 (Chicken/Motton/Pork/Dryfish) Animal feed - Oilseeds 7950 7060 7920 7070 892.17 (Cattle/Poultry/Fishmeal) 17. ANIMAL POPULATION AS PER CENSUS 19th LIVESTOCK 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES(01.4.2008) CENSUS 2012 [in nos.) Category of Total Male Female Veterinary Hospitals/Dispensaries /polyclinic[Nos] Animal Markets [Nos] animal 39 NA

Cattle 140467 NA NA Disease Diagnostic Centres [Nos] 4 Milk Collection Centres [Nos] 105 Buffaloes 703 NA NA Artificial Insemination Centers [Nos] 113 Fishermen Societies [Nos] NA Sheep 2634 NA NA Animal Breeding Farms [Nos] 9 Fish seed farms [Nos] 5 Goat 113364 NA NA Animal Husbandry Tng Centres [Nos] 1 Fish Markets [Nos] NA

Yak 4036 NA NA Dairy Cooperative Societies [Nos] 197 Poultry hatcheries [Nos] 2

Pig 29907 NA NA Improved Fodder Farms [Nos] NA Slaughter houses [Nos] 1 Horses & 511 NA NA 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pony

Poultry Birds Backyard & 451966 NA NA Fish Production [MT] Per cap avail. [gm/day] Farm) NA NA Rabbit 529 NA NA Egg Production [Lakh Nos] NA Per cap avail. [nos/p.a.] NA Dog 23314 NA NA Milk Production [' MT] 4334 Per cap avail. [gm/day] NA Meat Production [MT] NA Per cap avail. [gm/day] NA Sources: Sikkim Statistical Profile 2013, Deptt. of ESME, Livestock Census 2012,Deptt. of AHLFVS, Agricultural Census 2010-11, GoS, Annual Reports, FSADD& HCCDD, Official Website of Govt. of Sikkim 17

SFP-2016-17 Sikkim State

Banking profile- Sikkim State (Lead Bank - )

NETWORK & OUTREACH (As on 30/09/2015) No. of Agency No. of Branches No. of non-formal agencies associated Per Branch Outreach Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households Commercial Banks 30 122 89 33 0 0 131 10.74 1057.43 0 0 0 0 0 0 0 0 0 0 State Coop. Bank 1 14 13 1 0 0 0 73.54 9214.71 Coop. Agr. & Rural 0 0 0 0 0 0 0 0 0 0 Dev. Bank Primary Agr. Coop. 170 0 0 0 0 0 0 0 #DIV/0! #DIV/0! Society (MPCS) Others – UCB 1 5 0 5 0 0 0 0 0 0 All Agencies 202 141 102 39 0 0 0 131 0 0 DEPOSITS Agency No. of accounts Amount of Deposit [Rs.'000] 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) Commercial Banks 488006 532312 765477 43.8 92.14 47408359 51929463 51650280 -0.53 91 Regional Rural Bank 0 0 0 0 0 0 0 0 0 0 Cooperative Banks 40511 43358 65293 50.59 7.86 2184561 3160816 5275846 66.91 9 Others 0 0 0 0 0 0 0 0 0 0 All Agencies 528517 575670 830770 44.31 100.00 49592920 55090279 56926126 3.33 100 LOANS & ADVANCES OUTSTANDING (Without Outside Credit) Agency No. of accounts Amount of Loan [Rs.'000] 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) Commercial Banks 7629 8341 17655 111.66 96 19001127 19067224 21462453 12.56 93 Regional Rural Bank 0 0 0 0 0 0 0 0 0 0 Cooperative Banks 428 551 727 31.94 4 867684 1385975 1548481 11.72 7 Others 0 0 0 0 0 0 0 0 0 0 All Agencies 8057 8892 18382 106.72 100 19868811 20453199 23010934 12.5 100

CD-RATIO PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs)

Agency CD Ratio (w/o outside credit) Agency During 2014-15 Cumulative 31-Mar-12 31-Mar-13 31-Mar-14 31-Mar-15 Deposit Credit Deposit Credit Commercial Banks 39.68 40.08 36.7 41.6 Commercial Banks 48663 0 128733 0 Regional Rural Bank 0 0 0 0 Regional Rural Bank 0 0 0 0 Cooperative Banks 76.79 39.72 43.8 29.4 Cooperative Banks 3848 0 19060 0 Others 0 0 0 0 Others 0 0 0 0 All Agencies 40.79 40.06 37.1 40.4 All Agencies 0 0 0 0

PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015)

Loans to Weaker Agency Priority Sector Loans Loans to Agr. Sector Loans under DRI Scheme Loans to Women Sections 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 3042467 95 256114 68 NA NA NA NA NA NA Regional Rural Bank 0 0 0 0 0 0 0 0 0 0 Cooperative Banks 173527 5 117803 32 NA NA NA NA NA NA Others 0 0 0 0 0 0 0 0 0 0 All Agencies 3215994 100 373917 100 NA NA NA NA NA NA AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Agency 2012-13 2013-14 2014-15 Ach[%] in last 3 yrs Target Ach'ment Ach'ment Target Ach'ment Ach'ment [Rs. Ach'ment Ach'ment [%] Target [Rs.'000] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] '000] [%] Commercial Banks 2568000 1876513 73.07 3395250 1530626 45.08 4127825 3042467 74 64.05 Regional Rural Bank 0 0 0 0 0 0 0 0 0 0 Cooperative Banks 242000 128560 53.12 241050 195728 81.20 484612 173527 36 56.77 Others 0 0 0 0 0 0 0 0 0 0 All Agencies 2810000 2005073 71.35 3636300 1726354 47.48 4612437 3215994 70 62.94 SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Broad Sector 2012-13 2013-14 2014-15 Ach[%] in last 3 yrs Target Ach'ment Ach'ment Target Ach'ment Ach'ment [Rs. Ach'ment Ach'ment [%] Target [Rs.'000] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] '000] [%] Crop Loan 419670 99650 23.74 1070000 139033 12.99 1120200 182480 16.29 17.67 Term Loan (Agr) 280330 110356 39.36 400000 171524 42.88 552307 191437 34.66 38.97 Total Agri. Credit 700000 210006 30.00 1470000 310557 21.13 1672507 373917 22.36 24.5 Non-Farm Sector 110000 197096 179.18 126300 80194 63.49 342030 825464 241.34 161.34 Other Priority Sector 2000000 1597971 79.90 2040000 1335603 65.47 2597900 2016613 77.62 74.3 Total Priority Sector 2810000 2005073 71.35 3636300 1726354 47.48 4612437 3215994 69.72 62.85 RECOVERY POSITION

Average Rec Agency 2012-13(30 June 2013) 2013-14(30 June 2014) 2014-15(30 June 2015) [%] in last 3 yrs Demand Recovery Recovery Demand Recovery Demand Recovery Recovery Recovery [%] [Rs. '000] [Rs. '000] [%] [Rs. '000] [Rs. '000] [Rs. '000] [Rs. '000] [%] Commercial Banks 1276953 744356 58.29 946806 506815 53.52 341787 118193 34.60 48.8 Regional Rural Bank 0 0 0 0 0 0 0 0 0 0 Cooperative Banks 32903 6925 21.05 86154 23859 27.69 119612 23606 19.70 22.81 Others 0 0 0 0 0 0 0 0 0 0 Source: SLBC 28