Executive Summary

PLP 2016-17 Deogarh

Executive Summary

1. District of Deogarh is situated in the Western region of the State having its Head Quarter at Deogarh. The district is located between 21o 11' -21 43" N Latitude and 84o 28'-85 15’ E Longitude. It is bounded by Sambalpur in the west, Sundargarh in the north and Angul in the south-east. The district has one sub-division, 3 blocks, 60 GPs and 711 inhabited villages and a municipal town. 2. The district is predominantly agriculture based having net sown area of around 66950 ha. About 34 % of the net sown area is irrigated. Despite continued fragmentation of land holdings, the core sector of the economy continues to be agriculture. The principal crops grown in the district are paddy, pulses, oilseeds, vegetables and water melon. The agro- climatic condition of the district is suitable for horticulture development. The district is famous for fruits like, Mango, Orange and litchi. 3. Sectors like goatery, dairy, fishery and agro-based and food processing industries have enough potential for development in the district. 4. The district has a network of 38 bank branches - 27 branches of Commercial Banks, 08 branches of Utkal Grameen Bank and 03 branches of Sambalpur District Central Cooperative Bank. 5. The ground level credit flow to Priority Sector increased from `9089.83 lakh in 2012-13 to `16346.21 lakh in 2014-15 registering a growth of 80% over last two years. The credit deployment to agriculture increased from `6830.25 lakh to `13029.39 lakh registering growth of 91 % during the same period. This shows the adoption of latest technology, orientation of farmers towards farm mechanisation and diversification of crops in the district. 6. The share of investment credit needs to be increased which will help in “accelerating the pace of capital formation in agriculture and allied sector”. Efforts are required to enhance the investment credit in the total portfolio of agricultural credit. Around 85% of the people directly or indirectly depend on agriculture. Small and marginal farmers constitute 83% of total farm families in the district. Irrigation is more critical for development of agriculture as only 34 % of net sown area have assured irrigation. Remaining parts depend on rainfall which is erratic and unpredictable. The district had achieved around 81% of the overall target under ACP during 2014-15 where the achievement under agriculture and allied sector was to the tune of 83 % of the target. The share of investment credit is only 13 % of total agriculture credit during 2014-15. Hence, there is a need to improve the credit flow to agriculture term loan sector by the banks. The CD ratio of the district remained at 39 % which is much below the mandated 60%. This is mainly due to non-achievement by the Commercial Banks. In PLP 2016-17, while assessing the exploitable potential that could be tapped with institutional credit during the reference year, some revisions have been made over the Base PLP projections for 2016-17. These revisions are required because of various factors like change in the scale of finance and unit costs, the pattern of Ground Level Credit flow, revision in priority sector lending by RBI, changing practices at the field and the prevailing infrastructure etc.

PLP 2016-17 Deogarh

Accordingly, a financial projection of `28813.38 lakh has been made for 2016-17, including crop loan of `12080.64 lakh, agricultural term loan of `9079.95 lakh, MSME loan of `4244.89 lakh and other sectors to the tune of `3407.90 lakh which includes sectors like education, housing, renewable energy, others and social infrastructure. 7. Interventions of Government agencies for providing necessary infrastructural support and creating a conducive atmosphere for proper exploitation of latent potentials of the area as well as providing the required credit by bankers are essential to achieve the full potential. In order to exploit the potential under water resources, irrigation percentage has to be improved by making the defunct LI points and bore wells functional followed by energisation of pump-sets. Water harvesting structures have to be created/renovated in convergence with MGNREGS. Efforts may be made to popularise drip and sprinkler irrigation systems among the farmers. To promote, Plantation & Horticulture sector, construction of a cold storage as planned by the State Government may be expedited. With extension of milk route to Reamal and proposed installation of a bulk milk cooler at Kandhal, the farmers of these area need to be supported with credit for development of dairy sector in the district. SHGs in the district need to be encouraged for backyard poultry (Vanraj variety) for which the marketing tie up has to be established by DSMS. Goatery sector can be upscaled with timely guidance by the extension staff and early settlement of insurance claims. To make fish culture more remunerative, the department may popularise schemes like integrated fish culture i.e. polyculture of fish and prawn. Banks may adhere to seasonality in financing so as to enable the beneficiaries to complete the projects in time. Since MSME Sector provides maximum employment opportunities and the State Government has planned to establish a Mega Food Park in the district, training of unemployed youth and credit support from banks will develop economy of the district. SHGs in course of time have emerged as the most vibrant organisations under informal credit delivery system. District OLM cell has to strengthen the identified livelihood clusters in association with line departments for absorption of more credit by the SHGs. DSMS has to make suitable arrangements for marketing of SHG products. As water melon is produced plenty in Barkote block and orange is of high quality in Reamal block, their processing units may be financed by the banks. Similarly, to secure remunerative price to the onion growers of Reamal block, District Administration may establish an Onion Godown at Reamal on public private participation mode. They may also set up a cold storage at Deogarh for encouraging the farmers to take up horticulture crops like fruits and vegetables in a bigger way. 8. The infrastructure requirements for the district has been identified in consultation with District administration and implementing departments. Creation of more number of godowns, cold storages, onion storages, adequate and timely supply of fertilisers and seeds are some of critical infrastructures and interventions required for overall development of district's agricultural sector. 9. The potential estimated in different sectors will be realised with the coordinated approach of all stakeholders and convergence of their resources. In order to track the sectoral credit flow, SAMIS reporting system need to be reintroduced for better monitoring and review of ACP at BLBC and DCC meetings. Further, a comprehensive effective Financial Inclusion plan has to

PLP 2016-17 Deogarh

be implemented within the time frame with special focus to cover Oral Lessees, Tenant Farmers and share croppers into Joint Liability Groups. 10. About 253 farmers clubs have been promoted by banks / NGOs in the district. They can act as catalysts of social and economic development in the district. There is an urgent need of proper networking between farmers’ clubs and agriculture scientists, voluntary agencies, line departments and extension service providers. 11. It has been proposed to implement area based schemes for Dairy, Goatery and Poultry in different blocks. There is a potential of 224 dairy units, 710 goatery units and 564 poultry units with aggregate bank loan of `1148.50 lakh. 12. In Deogarh district, the financial services are provided by 22 rural and 16 semi urban branches of Commercial Bank, RRB and Cooperative Banks. To provide banking facility at each GP, banks have been entrusted to open brick and mortar branch / USB /BC model there. Out of 60 GPs in the district, 17 GPs have bank branches and remaining 43 GPs have been allotted to different banks by SLBC. State Bank of India has engaged six CSPs to provide banking services. Under PMJDY, 11883 accounts have been opened by the bank branches in the district as on 31 March 2015. Besides, the banks are also extending social security schemes, viz., PMSBY, PMJJBY and APY to their customers.

PLP 2016-17 Deogarh

Broad Sector-wise PLP Projections- 2016-17 (` Lakh)

Sr. PLP Projections Particulars No. for 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 12080.64 ii Term Loan for agriculture and allied activities 7522.24 Sub Total 19602.88 B Agriculture Infrastructure 1135.71 C Ancillary Activities 422.00 I Credit Potential for Agriculture (A + B + C) 21160.59 II Micro, Small and Medium Enterprises 4244.89 III Export Credit 0.00 IV Education 408.00 V Housing 652.50 VI Renewable Energy 192.00 VII Others 2085.00 VIII Social Infrastructure involving bank credit-linked 70.40 Total Priority Sector (I to VIII) 28813.38

2.26% Projections (2016‐17) Agriculture 7.24% MSME 0.67% 1.42% 0.24% Export Credit 0.00% Education 14.73% Housing

73.44% Renewable Energy

Others

Social Infrastructure involving Bank Credit

4 PLP 2016-17 Deogarh

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

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

I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 12080.64 ii Water Resources 944.47 iii Farm Mechanization 2509.03 iv Plantation and Horticulture 1101.72 v Forestry and Wasteland Development 234.63 vi Animal Husbandry – Dairy 627.05 vii Animal Husbandry – Poultry 445.07 viii Animal Husbandry – Sheep, Goat and Piggery, etc. 1089.84 ix Fisheries 510.31 x Others 60.12 Sub Total 19602.88 B Agriculture Infrastructure i Construction of storage facilities 846.75 ii Land development, Soil Conservation, Watershed 258.96 development iii Others 30.00 Sub Total 1135.71 C Ancillary activities i Food and Agro Processing 342.00 ii Others 80.00 Sub Total 422.00 Total Agriculture 21160.59 II Micro, Small and Medium Enterprises i MSME – Investment Credit 3273.69 ii MSME – Working Capital 971.20 Total MSME 4244.89 III Export Credit 0.00 IV Education 408.00 V Housing 652.50 VI Renewable Energy 192.00 VII Others 2085.00 VIII Social Infrastructure involving bank credit 70.40 Total Priority Sector 28813.38

PLP 2016-17 Deogarh

District Map

6 PLP 2016-17 Deogarh

District Profile

District - DEOGARH State - ODISHA Division -

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 2940 Agro-climatic Zone Eastern Plateau and Hills - Eastern Plains (Zone 7) No. of Sub Divisions 1 No. of Blocks 3 Climate Dry Sub Humid No. of Villages (Inhabited) 711 Soil Type Medium to deep black, red and yellow No. of Panchayats 60 3. LAND UTILISATION [Ha] 4. RAINFALL (mm) & GROUND WATER Total Area Reported 294000 Normal 2011 2012 2013 Actual Forest Land 156000 Rainfall [in mm] 1582.5 992.5 1388.8 1466.1 Area Not Available for Cultivation 13000 Variation from Normal -590.0 -193.7 -116.4 Permanent Pasture and Grazing Land 6000 Availability of Ground Water Net annual recharge Net annual draft Balance [Ham] Land under Miscellaneous Tree Crops 1000 20629 2795 17834 Culturable Wasteland 7000 5. DISTRIBUTION OF LAND HOLDING Current Fallow 6000 Holding s Classification of Holding Other Fallow 6000 Nos. % to Total Ha. % to Total Net Sown Area 66950 <= 1 Ha 19846 45 15221 23 Total or Gross Cropped Area 95955 >1 to <=2 Ha 16597 38 18171 27 Area Cultivated More than Once 29005 >2 Ha 7392 17 33990 50 Cropping Inensity [GCA/NSA] 143 Total 43835 100 67382 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 44 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 36 Population 312 158 154 290 22 Agricultural Labourers 55 Scheduled Caste 42 Workers engaged in Household Industries 1 Scheduled Tribe 92 Workers engaged in Allied Agro-activities 25 Literate 226 129 97 208 18 Other workers 22 BPL 200 101 99 185 15 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 58 Having brick/stone/concrete houses Having electricity supply Rural Households 54 Having source of drinking water Having independent toilets BPL Households 44 Having access to banking services Having radio/tv sets 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 711 Anganwadis 572 Dispensaries 4 Villages having Agriculture Power Supply Primary Health Centres 8 Hospitals 2 Villages having Post Offices 58 Primary Health Sub-Centres Hospital Beds 118 Villages having Banking Facilities 21 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 607 Fertiliser/Seed/Pesticide Outlets [Nos] 60 Agriculture Pumpsets[Nos] Villages having Primary Health Centres 8 Total N/P/K Consumption [MT] 4720 Pumpsets Energised [Nos] Villages having Potable Water Supply Certified Seeds Supplied [Qtl] 4595 Agro Service Centres [Nos] Villages connected with Paved Approach Roads 4201 Pesticides Consumed [MT] 34 Soil Testing Centres [Nos] 1 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 12 Plantation nurseries [Nos] 2 Total Area Available for Irrigation (NIA + Fallow) 22558 Power Tillers [Nos] 17 Farmers' Clubs [Nos] 253 Irrigation Potential Created 19561 Threshers/Cutters [Nos] 2 Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 18558 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 12783 Rural/Urban Mandi/Haat [Nos] Wholesale Market [Nos] Area irrigated by Wells 1575 Length of Pucca Road [Km] 3745 Godown [Nos] Area irrigated by Tanks 3390 Length of Railway Line [Km] Godown Capacity[MT] Area irrigated by Other Sources 810 Public Transport Vehicle [Nos] Cold Storage [Nos] Irrigation Potential Utilized (Gross Irrigated Area) 28105 Goods Transport Vehicle [Nos] Cold Store Capacity[MT] 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS

Type of Processing Activity No of units Cap.[MT] 2013-14 2014-15 Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) 23 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) Rice 36500 135478 34520 147644 3987 Fruit (Pulp/Juice/Fruit drink) Ground Nut 1900 2808 2055 3183 1515 Spices (Masala Powders/Pastes) Chilli 1940 2198 2072 2426 1153 Dry-fruit (Cashew/Almond/Raisins) Arhar(Tur) 1210 795 1240 833 664 Cotton (Ginnining/Spinning/Weaving) Onion 820 7585 990 9900 9660 Milk (Chilling/Cooling/Processing) Potato 781 6443 880 7480 8382 Meat (Chicken/Motton/Pork/Dryfish) Sweet Potato 295 1856 300 1898 6309 Animal feed (Cattle/Poultry/Fishmeal) Source: Kharif 15 and Rabi 2014-15 Agriculture Strategy Notes, Agriculture Dept, Deogarh 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] 4 Animal Markets [Nos] -0- Cattle - Cross bred 21 Disease Diagnostic Centres [Nos] Milk Collection Centres [Nos] -0-

Cattle - Indigenous 157 Artificial Insemination Centers [Nos] 20 Fishermen Societies [Nos] 4 Buffaloes 11 Animal Breeding Farms [Nos] -0- Fish seed farms [Nos] 2 Sheep - Cross bred Animal Husbandry Tng Centres [Nos] -0- Fish Markets [Nos] 1 Sheep - Indigenous 6 Dairy Cooperative Societies [Nos] -0- Poultry hatcheries [Nos] -0- Goat 133 Improved Fodder Farms [Nos] -0- Slaughter houses [Nos] -0- Pig - Cross bred 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY

Pig - Indigenous 5 Fish Production [MT] 4620 Per cap avail. [gm/day] 42 Horse/Donkey/Camel Egg Production [Lakh Nos] 152 Per cap avail. [nos/p.a.] 73 Poultry - Cross bred 187 Milk Production ['000 MT] 25 Per cap avail. [gm/day] 210 Poultry - Indigenous Meat Production [MT] 808 Per cap avail. [gm/day] 7

Item Nos. 1, 6, 7, 9 & 10 - Census 2011; 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 Survey Sources (if not mentioned against 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census 2007; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & the respective item): Stat.

7 PLP 2016-17 Deogarh

Banking Profile

District - Deogarh State - Odisha Lead Bank - SBI

1. NETWORK & OUTREACH (As on 31/03/2015)

No. of No. of Branches No. of non-formal agencies associated Per Branch Outreach Agency Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households Commercial Banks 15 27 13 14 978 8 25 Regional Rural Bank 1 8 7 1 894 1 20 District Central Coop. Bank 1 3 2 1 1353 175 Coop. Agr. & Rural Dev. Bank Primary Agr. Coop. Society 29 29 29 Others All Agencies 46 67 51 16 3225 9 220 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [`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 4386010 5117438 5554719 9 75.67 Regional Rural Bank 570819 575796 649014 13 8.84 Cooperative Banks 841652 946292 1137342 20 15.49 Others All Agencies 5798481 6639526 7341075 11 100.00 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [`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 1028432 1217908 1447575 19 51.16 Regional Rural Bank NA NA 288082 307171 309030 1 10.92 Cooperative Banks NA NA 557280 818714 1073141 31 37.92 Others NA NA 21 100.00 All Agencies 1873794 2343793 2829746 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 23.45 23.80 26.06 Commercial Banks 7054 7054.00 Regional Rural Bank 50.47 53.35 47.62 Regional Rural Bank 4641 7227 Cooperative Banks 66.21 86.52 94.36 Cooperative Banks 188 5553 Others Others All Agencies 32.32 35.30 38.55 All Agencies 11883 19834 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 [`000] Loans [`000] Loans [`000] Loans [`000] Loans [`000] Loans

Commercial Banks 1127429 77.88 570703 39.42 NA NA NA NA NA NA Regional Rural Bank 280397 90.73 183709 59.45 NA NA NA NA NA NA Cooperative Banks 1061096 98.88 974978 90.85 NA NA NA NA NA NA Others All Agencies 2468922 87.25 1729390 61.11 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Agency Target Ach'ment Target Ach'ment Target Ach'ment Ach[%] in last Ach'ment [%] Ach'ment [%] Ach'ment [%] [`000] [`000] [`000] [`000] [`000] [`000] 3 years

Commercial Banks 690154 302432 44 904175 282791 31 836641 329797 39 38.17 Regional Rural Bank 202291 58325 29 291574 180274 62 395490 221685 56 48.90 Cooperative Banks 379019 548226 145 547250 843977 154 783969 1083139 138 145.68 Others All Agencies 1271464 908983 71 1742999 1307042 75 2016100 1634621 81 75.85 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Broad Sector Target Ach'ment Target Ach'ment Target Ach'ment Ach[%] in last Ach'ment [%] Ach'ment [%] Ach'ment [%] [`000] [`000] [`000] [`000] [`000] [`000] 3 years

Crop Loan 482670 653302 135.35 1344642 1019909 75.85 1116972 1131533 101.30 104.17 Term Loan (Agr) 402657 29723 7.38 3162 #DIV/0! 456228 171406 37.57 #DIV/0! Total Agri. Credit 885327 683025 77.15 1344642 1023071 76.09 1573200 1302939 82.82 78.69 Non-Farm Sector 89971 18470 20.53 86004 131080 152.41 105300 141876 134.74 102.56 Other Priority Sector 296166 207488 70.06 312353 152891 48.95 337600 189806 56.22 58.41 Total Priority Sector 1271464 908983 71.49 1742999 1307042 74.99 2016100 1634621 81.08 75.85 9. RECOVERY POSITION 2012-13 2013-14 2014-15 Average Rec. Agency Demand Recovery Demand Recovery Demand Recovery [%] in last 3 Recovery [%] Recovery [%] Recovery [%] [`000] [`000] [`000] [`000] [`000] [`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 26408310 11652664 44 31377599 15299727 49 13684190 9198512 67 53.37 Others All Agencies 26408310 11652664 44 31377599 15299727 49 13684190 9198512 67 53.37

Sources : Lead Bank & SLBC 10