PLP 2016-17

EXECUTIVE SUMMARY

1.i. Theme of PLP 2015-16 and Sectoral Projections for the year 2016-17 The criticality of capital formation ‘in’ and ‘for’ agriculture need not be overemphasized. However, the recent declining trend in investment credit vis-à-vis crop loan has serious implications for sustaining capital formation. The theme for the PLP 2016-17 is ‘Accelerating the pace of capital formation in agriculture and allied sector’. The PLP maps the potential in priority sectors which could be exploited with institutional credit within a specified time frame. PLPs are intended to provide a meaningful direction to the flow of credit to different sectors at the ground level taking into account all relevant factors. The various linkages and other support services required to be provided by line departments to facilitate credit flow as planned are also listed in the PLP. Baksa District is a newly re-organised district under Bodoland Territorial Council of carved out from three districts viz , and Kamrup. It is located between 90º.8´ E to 91º.8´ E longitude and 26º.35´N to 26º.83´N latitude on North-West side of Assam. The district is surrounded by in the West, Barpeta, Nalbari & Kamrup districts in the South, in the East and on the North. The District head quarter is located at Mushalpur. The district is divided into 3 sub-divisions viz. Mushalpur, & . There are 8 development Blocks in the district with 690 inhabited villages. The total geographical area of the district is spread over 2346 Sq. Km approx. The total population of the district is 9.50 lakh (Census 2011). About 40% of the district’s population comprises of SCs/STs. The economy of Baksa is basically agrarian. Agro-ecologically, the district falls under Lower zone of Assam. The district has a network of 3 major tributaries of the Brahmaputra viz. Beki, Pagladia and Barnadi and about 10 small rivers which are very active during rainy season. The economy of the district is primarily agriculture based with approximately 75% of its population dependent directly or indirectly on agriculture and allied activities. The most important crop in the district is paddy, which constitutes nearly 50% of the gross cropped area. Other important crops are potato, wheat, mustard, lentils and jute. However, with the introduction of HYV, expansion of area under irrigation, farm mechanization, etc., multicropping is gradually gaining popularity. Piggery, Poultry, Dairy, Fishery, Sericulture are important allied activities in the district. Medium Scale Industries and Tiny Industries are not coming up in a big way because of non-availability of infrastructural facilities like Rail & road network, power supply, skilled workers/entrepreneurs, proper markets and good telecommunication etc. A good number of Self Help Groups (SHGs) are evolving as micro enterprises in the district. About 86% farmers fall under marginal, small and landless category. If issues of food security and extreme poverty are to be addressed, no policy can afford to bypass these smallholder farmers. These are some of the poorest households and ironically some of the hungriest as well, despite being the food producers. They are poor because they lack the ability to buy high-yielding seeds, fertilisers, irrigation equipments and other tools needed to increase productivity. As a result, their output is meagre and insufficient for their subsistence. Their poverty causes low farm productivity, and low farm productivity reinforces their poverty. It is a vicious cycle, technically known as ‘poverty trap’. To get this poor segment of population out of the poverty trap, the efforts of the Govt. alone may not be adequate. A multipronged approach would be necessary to address various issues. Institutional credit support to the needy ones plays a significant role in this direction. These smallholder farmers form the ‘Bottom of the Pyramid’ (BOP) customer base. The growth in credit market (farm and rural non-farm) would not take place without inclusion of BOP clientele. Extensive use of mFIs, business correspondents / facilitators or any other innovative inclusion model supported by information technology would enable the banks to reach every nook and corner of the district. Activity wise potential for exploitation through credit intervention flow under various sectors have been identified keeping in mind the traditional skill, availability, market infrastructure, extension support, etc. as well as the general investment climate. The Base PLP projection (2012-17) for the year 2016-17 was estimated at `35305.63 lakh. However the development of infrastructure and flow of credit has not been on the expected lines. Accordingly, the revised PLP projections for 2016-17 is estimated at `24673.89 lakh.

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PLP 2016-17 Baksa District

Crop Production, Maintenance & Marketing Based on the revised cropped area, updated SoF and the GLC flow in the district, the credit potential for Crop Production, Maintenance & Marketing activities in the district for the year 2016- 17 has been estimated as `13292.90 lakh. Water Resources Assured irrigation is the most essential input for increasing sustainable agricultural productivity. Low Lift Points (LLPs) with pumpset are found technically feasible and financially viable as there are large water bodies in the district. Govt. of Assam has taken initiatives to bring more area under irrigation by installation of LLPs for increasing crop production. An amount of `489.30 lakh has been projected as investment under the private sector. Land Development The Government attaches considerable importance for improving the productivity of land and soil resources by reclamation of degraded and fallow lands as well as problem soils under its National Watershed Development Project for Rainfed Areas. The credit potential for land development activities in the district has been arrived at `1037.63 lakh. Farm Mechanisation Machineries like tractors, power tillers and harvesters can be utilised, thus saving time, energy and expenses. Under the Central Scheme of Macro Management of Agriculture, the farm machineries and implements are promoted with subsidy to ensure timely agricultural operations. The bank loan projection for Farm Mechanisation has been arrived at `1469.59 lakh for the year 2016-17. Plantation & Horticulture The agro-climatic condition of the district is congenial for development of plantation crops. Horticulture crops like pineapple, citrus, papaya etc. has good scope in the district. Baksa is a non- traditional area in respect of Sericulture and it is considered as an additional activity in rural areas. Keeping this in view, the projection for Plantation & Horticulture sector has been arrived at `1948.38 lakh. Forestry and Waste Land Development There are large unutilised tilla land in the district where bamboo, other forestry plants, etc. can be grown profitably. As there is scope for waste land development and farm forestry in the district, a bank loan support of `247.48 lakh has been considered for the year 2016-17. Animal Husbandry – Dairy, Poultry, Sheep, Goat and Piggery Development Dairy and Livestock farming has good potential in the district. Keeping in view of the government initiatives, the physical and financial projections made in the Base PLP have been revisited and a credit potential of `2353.47 lakh has been arrived at for the year 2016-17.. Fisheries Development The demand of fish in the market has motivated the farmers to develop fishery and to culture fish in the district. Fish production and productivity are increasing due to various initiatives taken by the State Government. However, the projections made in the Base PLP were on a higher side. The credit potential for the year 2016-17 has been realistically arrived at `516.27 lakh. Storage Godowns/Market Yards Stocking arrangements for various essential consumable items and surplus agricultural produce is required to meet any eventuality in the district. Keeping in view the GoI’s policy initiatives, the projection for the year 2016-17 has been arrived at `116.16 lakh.. Renewable Sources of Energy Keeping in view the GoI’s policy initiatives in promoting the Renewable Sources of Energy, the physical and financial projections made in the Base PLP are revised. The financial projection for the year 2016-17 has been arrived at `59.93 lakh.

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PLP 2016-17 Baksa District

Other Agricultural activities Other allied activities Bullocks, Bullock Carts, etc. also need credit support as means of livelihood for rural youth. The financial projection for the year 2016-17 has been arrived at `105.20 lakh. MSME Sector MSME activities are promoted in the district through rural artisans, Weavers, Small Scale Industries (SSIs) and Cottage and Tiny Village Industries (CTVIs). The financial projection for the sector covering investment as well as working capital for the year 2016-17 has been arrived at `956.70 lakh. Other Sectors The district offers good potential for expansion of credit under Export Credit, Education Loan, Housing Loans, Renewable Energy, Infrastructure etc. Credit to this sector has occupied a significant share of total credit flow in the district. Further, expansion of this sector complements the development of other sectors. An amount of `1695.97 lakh has been projected under the sector for the year 2016-17.

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PLP 2016-17 Baksa District

Appendix A to Annexure 1

Broad Sector wise PLP Projections 2016-17

District : Nalbari State : Assam

(` lakh) Sr. PLP Projections Particulars No. 2016-17

A Farm Credit i Crop Production, Maintenance, Marketing 13292.90 ii Term Loan for Agriculture and Allied activities 7129.69 Sub Total 20422.59 B Agriculture Infrastructure 1322.63 C Anciliary Activities 276.00 I Credit Potential for Agriculture (A+B+C) 22021.22 II Micro, Small and Medium Enterprises 956.70 III Export Credit 56.00 IV Education 320.00 V Housing 696.00 VI Renewable Energy 59.93 VII Others 505.60 VIII Social Infrastructure 58.44 Total Priority Sector (I to VIII) 24673.89

Chart Title

0% 0% 0% 1% Crop Production, Maintenance, 3% 2% Marketing 1% 4% Term Loan for Agriculture and Allied activities 6% Agriculture Infrastructure

Anciliary Activities

Micro, Small and Medium Enterprises

54% Export Credit 29% Education

Housing

Renewable Energy

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PLP 2016-17 Baksa District

Appendix B to Annexure I

SUMMARY OF SECTOR / SUB-SECTOR WISE PLP PROJECTIONS 2016-17

District : Nalbari State : Assam

(` in lakh) Sr. PLP Projections Particulars No. 2016-17 I Credit Poteltial for Agriculture A Farm Credit i Crop Production, Maintenance, Marketing 13292.90 ii Water Resources 489.30 iii Farm Mechanization 1469.59 iv Plantation & Horticulture 1948.38 v Forestry and Wasteland Development 247.48 vi Animal Husbandry - Dairy 902.40 vii Animal Husbandry - Poultry 628.99 viii Animal Husbandry -Sheep/Goat/Piggery 822.08 ix Fishery 516.27 x Others 105.20 Sub Total 20422.59 B Agriculture Infrastructure i Storage Facilities 116.16 Land Development, Soil Conservation, ii 1037.63 Watershed Development iii Others 168.84 Sub Total 1322.63 C Anciliary Activities i Agro & Food Processing Sector 260.00 ii Others 16.00 Sub Total 276.00 D Total Agriculture 22021.22 II Micro, Small and Medium Enterprises Manufacturing Sector - Term Loan 637.80 Manufacturing Sector - Working Capital 318.90 Total MSME 956.70 III Export Credit 56.00 IV Education 320.00 V Housing 696.00 VI Renewable Energy 59.93 VII Others 505.60 VIII Social Infrastructure 58.44 Total Priority Sector 24673.89

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PLP 2016-17 Baksa District

District Map

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PLP 2016-17 Baksa District

DISTRICT PROFILE District - Baksa State - Assam 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km)-approx. 2346.2 Agro-climatic Zone Lower Brahmaputra Valley Zone and Himalayan Foothills No. of Sub Divisions 3 Subtropical in nature with warm humid summer followed by cool dry No. of Blocks 8 Climate winter No. of Villages (Inhabited) 690 Soil Type Alluvial & Sandy loam soil No. of Panchayats (VCDC) 104 3. LAND UTILISATION [ha] 4. RAINFALL & GROUND WATER Total Area Reported 234620 Normal 2009-10 2010-11 2011-12 Actual Forest Land 99519 Rainfall [in mm] 2127 1339 2864 NA Area Not Available for Cultivation 32826 Variation from Normal (-) 788 (+) 737 NA Permanent Pasture and Grazing Land 8931 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 824 Water [ham] NA NA NA Culturable Wasteland 420 5. DISTRIBUTION OF LAND HOLDING Current Fallow 3 Holding Area Classification of Holding Other Fallow 0 Nos. % to Total ha. % to Total Net Sown Area 66085 <= 1 ha 41205 45.16 23331 18.56 Total or Gross Cropped Area 133831 >1 to <=2 ha 36958 40.51 58039 46.16 Area Cultivated More than Once 67746 >2 ha 13080 14.33 44365 35.28 Cropping Intensity [GCA/NSA] 202 Total 91243 100 125735 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 125 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 78 Population 950 481 469 938 12 Agricultural Labourers 44 Scheduled Caste 73 38 35 NA NA Workers engaged in Household Industries 10 Scheduled Tribe 331 167 165 NA NA Workers engaged in Allied Agro-activities NA Literate rate 69.25 77.03 61.27 69.18 74.54 Other workers 99 BPL (family) NA 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [%]

Total Households 192 having brick/stone/concrete houses NA having electricity supply 23.3

having source of drinking water within Rural Households 189 56.3 having independent toilets 39.4 premises BPL Households 3 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 NA Anganwadis NA Poly clinic/Nursing Home 0 Villages having Agriculture Power Supply NA Primary Health Centres 44 Diagnostic Centres 0 Villages having Post Offices NA Primary Health Sub-Centres 157 Hospital Beds 476 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 44 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] 27 Irrigation Potential Created 46969 Threshers/Cutters [Nos] NA Krishi Vigyan Kendras[Nos] Nil Net Irrigated Area(Total area irrigated at least once) 12485 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 5170 Rural/Urban Mandi/haat [Nos] 45 Wholesale Market [Nos] 1 Area irrigated by Wells (Open + Tube + Bore wells) 12796 Length of Pucca Road [Km] 569 Godown [Nos] NA Area irrigated by Tanks 104 Length of Railway Line [Km] NA Godown Capacity[MT] NA Area irrigated by Other Sources 3947 Public Transport Vehicle [Nos] NA Cold Storage [Nos] Nil Irrigation Potential Utilized (Gross Irrigated Area) 22017 Goods Transport Vehicle [Nos] NA Cold Store Capacity [MT] Nil 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] 2009-10 2010-11 Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea /Coffee) 5 Area (ha) Prod. (MT) Area (ha) Prod. (MT) [Kg/ha] Sugarcane (Gur/Khandsari/Sugar) NA Paddy 90022 184546 2050 Fruit (Pulp/Juice/Fruit drink) NA Maize 500 365 730 Spices (Masala Powders/Pastes) NA Oilseeds 11560 5780 500 Dry-fruit (Cashew/Almond/ Raisins) NIL Pulses 4862 2785 573 Cotton (Ginnining/Spinning/ Weaving) NIL Fruits 2150 19663 9146 Milk (Chilling/Cooling/Processing) NIL Vegetables 8850 26550 3000 Meat (Chicken/Motton/Pork/Dryfish) NIL Spices 5770 23080 4000 Animal feed (Cattle/Poultry/Fishmeal) 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] 11 Animal Markets [Nos] 5 Cattle - Cross bred 5984 NA NA Disease Diagnostic Centres [Nos] 15 Milk Collection Centres [Nos] NA Cattle - Indigenous 233968 NA NA Artificial Insemination Centers [Nos] 0 Fishermen Societies [Nos] NA Buffaloes 7279 NA NA Animal Breeding Farms [Nos] NA Fish seed farms [Nos] 3 Sheep - Cross bred NA NA NA Animal Husbandry Tng Centres [Nos] NA Fish Markets [Nos] 10 Sheep - Indigenous 9493 NA NA Dairy Cooperative Societies [Nos] 3 Eco- hatcheries [Nos] 6 Goat 161544 NA NA Improved Fodder Farms [Nos] 7 Slaughter houses [Nos] NA Pig - Cross bred NA NA NA 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 122954 NA NA Fish Production (MT) 5296 Per cap avail. [gm/day] 15.22 Horse/Donkey/Camel NA NA NA Egg Production (Lakh/Nos) 215.59 Per cap avail. [nos/p.a.] 23 Poultry - Cross bred NA NA NA Milk Production ('000 MT) 13.01 Per cap avail. [gm/day] 37.4 Poultry - Indigenous 310732 NA NA Meat Production (MT) 1158.87 Per cap avail. [gm/day] 3.33

Sources (if not Item Nos. 1, 6, 7, 9 & 10 - Census 2011; Item Nos. 2, 3, 4, 5, 12, 13 & 14 - Dept. of Agri/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water mentioned against the Resources; Item No. 8 - Dir. of Eco. & Stat; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - Dept. of Agri; Item No. 17 - AH respective item): Census 2007; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat.

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PLP 2016-17 Baksa District

BANKING PROFILE District - Baksa State - Assam Lead Bank - State Bank of India 1. NETWORK & OUTREACH (As on 31/03/2015) No. of non-formal agencies No. of Branches Per Branch Outreach No. of assoiated Agency Banks/Soc. Semi- mFIs/mFO SHGs/ Total Rural Urban BCs/BFs Villages Households urban s JLGs Commercial Banks 8 27 27 NA NA 2 NA 33 91 30060 Regional Rural Bank 1 16 16 NA NA 5 NA 13 48 63678 Cooperative Banks 1 1 1 NA NA NA NA NA 4 NA Others NA NA NA NA NA NA NA NA NA NA All Agencies 10 44 44 NA NA 7 NA 46 143 93738 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 NA NA NA NA NA 134388.5 171910.3 142286.1 -17.23 NA Regional Rural Bank NA NA NA NA NA 48643.75 53355.15 41159.78 -22.86 NA Cooperative Banks NA NA NA NA NA 5052.47 5674.56 5135.85 -9.49 NA Others NA NA NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA 188084.7 230940 188581.7 -18.34 NA 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 49896.07 58603.65 45590.72 -22.20 NA Regional Rural Bank NA NA NA NA NA 40213.48 42458.2 31119.86 -26.70 NA Cooperative Banks NA NA NA NA NA 1094.88 958.12 558.9 -41.67 NA Others NA NA NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA 91204.43 102020 77269.48 -24.26 NA 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During 2014-15 Cumulative (last 3 yes) Agency Agency 31-Mar-13 31-Mar-14 31-Mar-15 Deposit Credit Deposit Credit Commercial Banks 37.13 34.09 32.04 Commercial Banks 142286.1 45590.72 448584.89 154090.44 Regional Rural Bank 82.67 79.58 75.61 Regional Rural Bank 41159.78 31119.86 143158.68 113791.54 Cooperative Banks 21.67 16.88 10.88 Cooperative Banks 5135.85 558.9 15862.88 2611.9 Others NA NA NA Others NA NA NA NA All Agencies 48.49 44.18 40.97 All Agencies 188581.7 77269.48 607606.45 270493.88 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) Loans to Weaker Loans under DRI Priority Sector Loans Loans to Agr. Sector Loans to Women Sections Scheme 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 NA NA NA NA NA NA NA NA NA NA Regional Rural Bank NA NA NA NA NA NA NA NA NA NA Cooperative Banks NA NA NA NA NA NA NA NA NA NA Others NA NA NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA NA NA NA NA NA 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Ach. Achievem Achievem Achieveme Agency Target Achievem Target Achieveme Target Achievement [%] in last 3 ent [Rs. ent [Rs. nt [Rs. [Rs.'000] ent [%] [Rs.'000] nt [%] [Rs.'000] [%] years '000] '000] '000] Commercial Banks 1464500 83000 5.67 2980682 309445 10.38 2053608 418962 20.4 12.15 Regional Rural Bank 678100 45600 6.72 1114028 67622 6.07 794200 136919 17.24 10.01 Cooperative Banks 6700 600 8.96 24449 700 2.86 47750 2520 5.28 5.7 Others NA NA NA NA NA NA NA NA NA NA All Agencies 2149300 129200 6.01 4119159 377767 9.17 NA NA 19.28 11.49 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Ach. Achievem Achievem Achieveme Broad Sector Target Achievem Target Achieveme Target Achievement [%] in last 3 ent [Rs. ent [Rs. nt [Rs. [Rs.'000] ent [%] [Rs.'000] nt [%] [Rs.'000] [%] years '000] '000] '000] Crop Loan 779300 19900 2.55 1326653 108545 8.18 1362882 153174 11.24 7.32 Term Loan (Agr) 625600 27700 4.43 2204306 123902 5.62 2069688 211615 10.22 6.76 Total Agri. Credit 1404900 47600 3.39 3530959 232447 6.58 3432570 364789 10.63 6.87 Non-Farm Sector 125400 8900 7.1 308200 55658 18.06 220670 60555 27.44 17.53 Other Priority Sector 540700 72700 13.45 380000 90266 23.75 605200 180972 29.9 22.37 Total Priority Sector 2149300 129200 6.01 4119159 377767 9.17 2895558 558401 19.28 11.49 9. RECOVERY POSITION 2012-13 2013-14 2014-15 Average Rec. Agency Demand [Rs. Recovery Recovery Demand Recovery Recovery Demand Recovery [%] in last 3 Recovery [%] '000] [Rs. '000] [%] [Rs. '000] [Rs. '000] [%] [Rs. '000] [Rs. '000] years Commercial Banks NA NA NA NA NA NA NA NA NA NA Regional Rural Bank NA NA NA NA NA NA NA NA NA NA Cooperative Banks NA NA NA NA NA NA NA NA NA NA Others NA NA NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA NA NA NA NA NA Source : LDM, Baksa

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