Bagalkot District Is Located in the Northern Part of Karnataka with a Total Area of 6,588 Sq.Km

EXECUTIVE SUMMARY 1. District Characteristics: Bagalkot district is located in the northern part of Karnataka with a total area of 6,588 sq.km. and has 6 blocks. It has 588622.93 ha of gross cropped area and 467399 ha of net sown area. Agriculture is the predominant activity in the district. With three rivers flowing through the district, many minor irrigation structures have been created in the district. However, submergence of land under Upper Krishna Project (UKP) and frequent droughts adversely affected the development of agriculture sector. The net irrigated area in the district is 2.74 lakh ha. covering 58.5% of the NSA. Cropping intensity is 125.9%. Major food crops in the district are Jowar, Maize, Bajara, Groundnut, Sunflower & pulses. Sugarcane is major cash crop and nine sugar factories are functioning in the district. Grapes, Pomegranates and Sapota are the major horticultural crops. Hand loom / power loom is a predominant activity in Badami, Jamkhandi and Mudhol talukas. The district has good mineral resources. It has potential to be an important tourist spot on the State Tourist Map. The district lacks in industrial development. 2. Sectoral trends in credit flow: The Ground Level Credit (GLC) flow under priority sector for 2012-13, 2013-14 & 2014-15 was `2,308.54 cr, `2,793.71 cr & `3,254.55 cr. The banks in the district achieved 92.2% of the targets specified under District Credit Plan for the year 2014-15. Agriculture took the major share in DCP achievement at 86.3%, 84.9% & 81.1% for the year 2012-13, 2013-14 and 2014-15 respectively. Average CD ratio of the district was 97.6%. 3. Sector / sub sector wise projections for the year 2016-17: The exploitable potential for the year 2016-17 was estimated at ` 536,152.65 lakh in the base PLP. The same has since been revised to ` 666,568.77 lakh. Agriculture sector accounts for major share in the projections. The realization of potential, would, however, depend on the removal of various constraints and development of the critical infrastructure as discussedin the respective chapters. 4.Major constraints : Major constraints in achieving the identified potential are, absence of adequate rural connectivity / storage facilities / other infrastructure inadequacies, rainfed farming practices, slow adoption of technology, inefficient use of irrigation facilities, non-adoption of scientific cultivation system, etc. Ground water recharge and rain water harvesting structures have not been fully developed. Lack of post-harvest facilities for plantation and horticulture crops, cold chain and modern storage facilities etc. are other major constraints in achieving the potential. 5. Suggested action points / issues to be addressed State Government  Strengthening the extension network and training on soil, water conservation.  Promoting modern cultivation of horticulture crops / strengthening post-harvest infrastructure  Strengthening the veterinary institutions for providing breeding/ health services to farmers’ at door- step and setting up of disease diagnostic labs.  Ensuring early / effective operationalisation of Agro Tech Park / Food Park in Bagalkot.  Ensuring regular / assured power supply to industrial units  Promoting use of solar irrigation pump sets and solar roof-tops. Banks  Financing MSME units in a big way.  Increase share of Agricultural Term Loan in total Agricultural loans from present level of 17.6%  Promoting more PACS as Multi Service Societies by PACS Development Cell of the DCCB. 6. Thrust areas for 2016-17 a. Mainstreaming the financially excluded: Mainstreaming the account holders under PMJDY into the banking fold / opening accounts of unbanked people, covering them under social security schemes like PMJJBY & PMSBY would continue to be a thrust area for 2016-17. b. Accelerating the pace of capital formation in agriculture and allied sector: Banks to give thrust for

agriculture term loans to increase capital formation in Agriculture. c. De-risking farm income: To overcome uncertainties in yield due to vagaries of nature, banks should encourage farmers to avail of crop insurance cover and also diversify their activities. d. Credit Linkage of SHGs / JLGs: Banks should proactively take up credit linkage of SHGs and JLGs to enable them to take up income generating activities. e. Area Development Plan and Development of Thrust Areas in the district: Jamkhandi and Mudhol talukas in the district are identified for Dairy and Green House activity by NABARD for further development. NABARD and Department of Horticulture have promoted a number of FPOs / crop specific clusters in the district. Bankers are encouraged to adopt such models and extend credit to them. 7. The way forward : The projections made in the PLP for 2016-17 call for coordinated approach by all the stakeholders which in turn are expected to increase credit flow and significantly enhance capital formation in agriculture. Banks are required to ensure prompt reporting of credit flow data to Lead Bank.

Broad Sector wise PLP projections 2016-17 (Amt ` Lakh) Sr.No Particulars PLP Projections A Farm Credit i. Crop Production, Maintenance and Marketing 383846.39 ii. Term Loan for Agriculture and Allied Activities 125876.96 Sub-total 509723.35 B Agriculture Infrastructure 24810.23 C Ancillary Activities 9320.25 I Credit Potential for Agriculture (A+B+C) 543853.83 II Micro, Small and Medium Enterprises 47689.25 III Export Credit 16660.00 IV Education 3600.00 V Housing 19125.00 VI Renewable Energy 4325.06 VII Others 21903.13 VIII Social Infrastructure involving bank credit 9412.50 Total Priority Sector (I to VIII) 666568.77

Summary of sector /sub sector wise PLP Projections - 2016-17 (` lakh)

Sr. PLP No. Particulars Projections I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 383846.39 ii Water Resources 18279.10 iii Farm Mechanization 26328.75 iv Plantation and Horticulture (including Sericulture) 20552.92 v Forestry and Wasteland Development 640.05 vi Animal Husbandry - Dairy Development 32223.50 vii Animal Husbandry - Poultry Development 8401.49 viii Animal Husbandry - Sheep, Goat & Piggery Development 16087.53 ix Fisheries Development 218.62 x Other Activities 3145.00 Sub Total 509723.35 B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market Yards, godowns, Silos, Cold Storage Units / Cold Storage Chains) 5975.50 ii Land Development, Soil Conservation and Watershed development 17249.48 iii Others (Tissue culture, Agri bio technology, seed production, etc 1585.25 Sub Total 24810.23 C Ancillary Activities i Food and Agro Processing 8874.00 ii Others 446.25 Sub Total 9320.25 Total Agriculture 543853.83 II Micro, Small & Medium Enterprises MSME – working capital 9672.15 MSME - Investment credit 38017.10 Total MSME 47689.25 III Export Credit 16660.00 IV Education 3600.00 V Housing 19125.00 VI Renewable Energy 4325.06 VII Others 21903.13 VIII Social infrastructure involving bank credit 9412.50 Total Priority Sector 666568.77

BAGALKOT DISTRICT PROFILE State : Karnataka Division : Belgaum

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) Agro-climatic Zone Northern dryzone of Karnataka-III, and district is situated between 74 -59' & 76-20' east 6588 longitude and between 15-49 & 16-46' north latitude No. of Sub Divisions 2 No. of Blocks 6 Climate Dry Zone of North Karnataka No. of Villages (Inhabited) Soil Type Deep black cotton soils to red loamy of which 60% is medium to deep black & 40% is red loamy 623 No. of Panchayats 163 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 658877 Rainfall [in mm] Normal Actual 2012-13 2013-14 2014-15 Forest Land 81126 584 584 505 372 512.60 530.10 Area Not Available for Cultivation 53642 Variation from Normal -38 -71.40 +53.9 Permanent Pasture and Grazing Land Availability of Ground Net annual recharge Net annual draft Balance 3429 Water [Ham] Land under Miscellaneous Tree Crops 274 42455.66 39232.59 8647.98 5. Distribution of land holding Current Fallow 41001 Classification of Holding Holding Area Other Fallow 9971 Nos. % to Total Ha. % to Total Net Sown Area 467399.00 <= 1 Ha 69742 30.60 40350.7 8.30 Total or Gross Cropped Area 588622.93 >1 to <=2 Ha 75345 33.10 109374.06 22.45 Area Cultivated More than Once 121223.93 >2 Ha 82644 36.30 337391.38 69.25 Cropping Intensity [GCA/NSA] 125.94 Total 227731 100.00 487116.14 100.00 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 227.73 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 145.08 Population 1890.83 952.90 937.93 1292.04 598.79 Agricultural Labourers 303.24 Scheduled Caste 319.15 158.14 161.01 238.01 81.14 Workers engaged in Household Industries 54.08 Scheduled Tribe 97.20 48.47 48.73 80.82 16.38 Workers engaged in Allied Agro-activities 68.21 Literate 1113.41 641.39 472.02 704.91 408.50 Other workers 197.54 BPL NA NA NA NA NA 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 834.25 Having brick/stone/concrete 5382 Having electricity supply 30.52 houses Rural Households 591.4 Having source of drinking water 293.35 Having independent toilets 15 BPL Households 364.64 Having access to banking services 623 Having radio/tv sets 48.55 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 623 Anganwadis 2116 Dispensaries 19 Villages having Agriculture Power Supply 529 Primary Health Centers 52 Hospitals 874 Villages having Post Offices 271 Primary Health Sub-Centers 232 Hospital Beds 4868 Villages having Banking Facilities 217 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 618 Fertilizer/Seed/Pesticide Outlets [Nos] 710 Agriculture Pump sets[Nos] 76739 Villages having Primary Health Centers 52 Total N/P/K Consumption [MT] 78293 Pump sets Energized [Nos] 76739 Villages having Potable Water Supply 526 Certified Seeds Supplied [MT] 361.62 Agro Ser. Centers [Nos] 18 Villages connected with Paved ApproachRoads 560 Pesticides Consumed [MT] 10000 Soil Testing Centers [Nos] 1 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 17789 Plantation nurseries [Nos] 15 Total Area Ava. for Irrigation (NIA + Fallow) 518371 Power Tillers [Nos] 81 Farmers' Clubs [Nos] 298 Irrigation Potential Created 293151.85 Threshers/Cutters [Nos] 6531 KVKss[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 273612 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 51503 Rural/Urban Mandi/Haat [Nos] 15 Wholesale Market [Nos] 6 Area irrigated by Wells 6734 Length of Pucca Road [Km] 8421.78 Godown [Nos] 220 Area irrigated by Tanks 0.00 Length of Railway Line [Km] 77 Godown Capacity[MT] 39165 Area irrigated by Other Sources 215375 Public Transport Vehicle [Nos] 207114 Cold Storage [Nos] Nil Irrigation Potential Utilized (Gross Irrigated 291351.85 Goods Transport Vehicle [Nos] 12117 Cold Store Capacity[MT] Nil Area) 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No Cap.[MT] Crop 2013-14 2014-15 Avg. Yield of 2012-13 [Kg/Ha] unit Food 71 NA Area (Ha) Prod (MT) Area (Ha) Prod. (MT) Area (Ha) Prod. Yield(Kg/H s (Rice/Flour/Dal/Oil/Tea/Coffee) 4 (MT) a) Sugarcane (Gur/Khandsari/Sugar) 28 NA Jowar 105846 127400 116096 127400 120432 138497 1150 Fruit (Pulp/Juice/Fruit drink) 35 NA Maize 88020 315938 74941 315938 69003 300163 4350 Spices (Masala Powders/Pastes) 15 NA Bajra 34045 49726 26519 44804 25605 44804 1750 0

Dry-fruit 8 NA Pulses 397363 599570 118726 88554 118425 88554 583.33 (Cashew/Almond/Raisins) Cotton 5 NA Oilseeds 68116 60632 76609 78411 76609 84796 1041.66 (Ginnining/Spinning/Weaving) Milk (Chilling/Cooling/Processing) 4 NA Sugarca 79930 7897084 130344 107863390 126898 107863390 72.1 Meat (Chicken/Mutton/Pork/Dry fish) NA Hortne icul 28779 222111 28779 222111 28779 28779 tural Animal feed 25 NA CropsProd uction of Cotton(lint), Jute, Mesta & San hemp are in (Cattle/Poultry/Fishmeal) Bales(177.8 kg per bale in 17. ANIMAL POPULATION AS PER CENSUS 2007 [in '000] 18. INFRASTRUCTURE FOR DEVELOPIMENT OF ALLIED ACTIVITIES n d Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 137 Animal Markets [Nos] 12 i Cattle - Cross bred 30961 NA NA Disease Diagnostic Centers [Nos] a 47 Milk Collection Centers 95 ) [Nos] Cattle - Indigenous 274189 '-do- '-do- Artificial Insemination Centers [Nos] 215 Fishermen Societies [Nos] 18 Buffaloes 253536 '-do- '-do- Animal Breeding Farms [Nos] 1 Fish seed farms [Nos] 2 Sheep - Cross bred Nil '-do- '-do- Animal Husbandry Training Centers [Nos] Nil Fish Markets [Nos] 6 Sheep - Indigenous 673162 '-do- '-do- Dairy Cooperative Societies [Nos] 243 Poultry hatcheries [Nos] 2 Goat 430105 '-do- '-do- Improved Fodder Farms [Nos] 1 Slaughter houses [Nos] 2 Pig - Cross bred Nil '-do- '-do- 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 23838 '-do- '-do- Fish Production [MT] 1410 Per cap avail. [gm/day] 20 Horse/Donkey/Camel 1104 '-do- '-do- Egg Production [Lakh Nos] 2570 Per cap avail. [nos/p.a.] 143 Poultry - Cross bred 1121348 '-do- '-do- Milk Production ['000 MT] 189.00 Per cap avail. [gm/day] 14 Poultry - Indigenous Nil '-do- '-do- Meat Production [MT] 11798 Per cap avail. [gm/day] 7 Sources (if not mentioned against Item Nos. 1, 6, 7, 9 & 10 - Census 2001; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of Agr/Dir. of Eco. & Stat.; Item the No. 4 - Dept. of Agr./Water Resources; Item No. 8 - BPL Survey 2002; Item No. 15 - District Ind Center/Dir. of respective item): Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census 2003; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat.

20. Predominant economic activities prevalent in the district The Net Domestic Product (NDDP) of the district for 2012-13 at constant prices (2004-05) was ` 6,226.58 crore and ` 5,170.14 crore (1.98 % share in NDDP of the state. Per capita NDDP of the district for 2012- 13 was ` 40,275 which was below state average ` 77,168. Agriculture is the predominant economic activity. About 71% of the population lives in rural area. Sugarcane is major cash crop and there are nine sugar factories functioning in the district. Pomegranate, grapes and sapota are major horticultural crops. Bagalkot is famous for Handloom products, Mining and granite industry as also for important tourist / religious places. However, industrially, the district is highly under developed. As on 31.03.2014, there were 9,389 MSE units providing employment to 44,380 people.

21.Issues critical to the district Over dependence on sugarcane crop, traditional cultivation practices, delay in payment by sugar factories are some of the issues which need to be addressed. Adoption of soil conservation techniques, new technology, post harvest management / processing services, water harvesting structures, artificial dugwell recharge, watershed approach for land development, organic farming, etc through bank credit is required for sustainable growth in agriculture. Development of various identified / un identified clusters in non farm sector needs focused attention.

BANKING PROFILE STATE : KARNATAKA DISITRICT: BAGALKOT LEAD BANK : SYNDICATE BANK 1. NETWORK & OUTREACH (As on 31/03/2015)

No. of No. of Branches No. of non-formal agencies associated Per Branch Outreach Banks/Soc.

Total Rural Semi-urban Urban mFIs/m SHGs/JLGs BCs/BFs Villages Households FOs

Commercial Banks 24 155 42 113 '- 2 4588 103 8 5382 Regional Rural Bank (KVGB) 1 69 56 13 '- '- 5132 41 12 86260 District Central Coop. Bank 1 36 21 15 '- '- 4405 '- 18 25280 Coop. Agr. & Rural Dev. Bank 6 6 0 6 '- '- NA '- 103 139041

Primary Agr. Coop. Society(PACS) 228 228 195 23 '- '- 3456 '- 3 403017

Others (KSFC) 1 1 NA 1 '- '- NA '- NA NA All Agencies 261 495 314 171 '- 2 17581 144 144 665866 2. DEPOSITS OUTSTANDING

Agency No. of accounts Amount of Deposit [` .'000)

31.03.13 31.03.14 31.3.15 Growth% Share(%) 31.03.2013 31.03.2014 31.03.2015 Growth% Share(%)

Commercial Banks NA NA NA -- -- 34691600 34236800 38772400 13.2 57.5

Regional Rural Bank NA NA NA -- -- 10070000 12635800 14489100 14.7 21.5 Cooperative NA NA NA -- -- 9168100 11427700 14213800 12.5 21.0 Banks(CCB+PCARDBs) Others (KSFC) NA NA NA -- -- 236000 2400 2800 16.7 -- All Agencies NA NA NA -- -- 54165700 58302700 67478100 15.7 100

3. LOANS & ADVANCES OUTSTANDING [` 000]

Agency No. of accounts Amount of Loan [` .'000]

31.03.13 31.03.14 31.3.15 Growth% Share(%) 31.03.13 31.3.14 31.03.2015 Growth% Share(%)

Commercial Banks NA NA NA -- -- 30425000 35409500 43440900 22.7 80 Regional Rural Bank NA NA NA -- -- 7800000 9251200 11041900 19.3 8 Cooperative Banks NA NA NA -- -- 9742200 11757300 15899700 35.2 11.5 (CCB+PCARDBs) Others (KSFC) NA NA NA -- -- 827600 763000 731500 -4.1 0.5 All Agencies NA NA NA -- -- 48794800 57181000 71114000 24.4 100 4.CD Ratio 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs)

Agency Last three Years ('%) Agency During 2014-15 Cumulative 31.03.13 31.3.14 31.03.15 Deposit Credit Deposit Credit Commercial Banks 87.7 103.4 112.0 Commercial Banks 35257 602 89611 193134 Regional Rural Bank 73.2 73.2 76.2 Regional Rural Bank 36314 682 84629 160869 Cooperative Banks 102.9 102.9 118.6 Cooperative Banks 3766 233 21882 3483 [CCB+PCARDBs] Others (KSFC) ------Others (KSFC) 0 0 NA NA All Agencies 90 98 105.4 All Agencies 75337 1517 120785 357486

6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) [`lakh] Agency Priority Sector Loans Loans to Agr. Sector Loans to Weaker Loans under DRI Scheme Loans to Women Sections Amount % of Tot. Amount % of Tot. Amount % of Amount % of Tot. Loans Amount % of Tot. Loans Loans Tot. Loans Loans Commercial Banks 171671 88.4 99118 51.1 NA NA NA -- NA NA Regional Rural Bank 62599 88.4 62404 88.1 NA NA NA -- NA NA Cooperative Banks 88929 82.3 102260 93.4 NA NA NA -- NA NA Others (KSCFC) 2255 91.5 0 0 NA NA NA -- NA NA All Agencies 325454 86.3 263782 70.0 93125 24.7 3251.00 0.9 17100 4.5

7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS [`.'000]

Agency 2012-13 2013-14 2014-15 Avg Ach[%] in last 3 years Target Ach. Ach.% Target Ach. Ach% Target Ach Ach % Growth Commercial Banks 16558400 13041000 78.8 19327700 14835869 76.7 19768300 14203589 71.9 75.8 Regional Rural Bank 3739600 2735600 73.1 5734100 5387288 93.9 6722600 7830295 116.4 94.4 Cooperative Banks 7383200 7012300 95 8500200 7513582 88.4 8546700 10401516 121.7 101.7 Others (KSFC) 198000 296500 149.7 2500000 330000 13.2 250500 110000 43.9 68.9

All Agencies 27879200 23085400 82.8 33384400 27937139 83.7 35288100 32545400 92.2 86.2

8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS [` '000]

Broad Sector 2012-13 2013-14 2014-15 Avg Ach[%] in last 3years Target Ach. Ach.% Target Ach. Ac% Target Ach. Ach.% Growth Crop Loan 18067200 13149590 72.8 21800900 19071544 87.5 22879000 21748000 95.0 85.1

Term Loan (Agr) 5434100 3189001 58.7 4938500 4625214 93.6 6145000 4630200 75.3 75.8 Total Agri. Credit 23501300 19911200 84.7 26740500 23696758 88.6 29024000 26378200 90.9 88.1 Non-Farm Sector 1293500 1219000 94.2 834200 1136896 136.2 2018200 4422800 219.1 149.8 Other Priority Sector 3084400 1955200 63.4 5809700 3103485 53.4 4245900 1744400 41.0 52.6 Total Priority Sector 27879200 23085400 82.8 33384400 27937139 83.7 35288100 32545400 92.2 86.2

9. RECOVERY POSITION [` '000] Agency 2012-13 (June) 2013-14 (June) 2014-15 Avg Rec. [%] in last3 years Demand Rec.] Rec [%] Demand Rec.] Rec [%] Demand Rec.] Rec [%]

Commercial Banks NA NA -- NA NA NA NA NA -- -- Regional Rural Bank NA NA 79.65 NA NA 79.12 NA NA 75% 77.9 Cooperative Banks 5936508 5848197 98.5 6437928 6380630 99.1 77661.73 77155.57 99.3% 99.0% Others (KSFC) NA NA NA NA NA NA NA NA NA All Agencies 5936508 5848497 89.08 6437928 6380630 89.1 Sources : Lead Bank & SLBC

10. Banking outlets have been opened in all the unbanked villages with population of over 2,000. Further, all the villages having population of less than 2,000 are also covered fully under FIP either by opening FI branch or through appointment of BCs. Mapping of Gram Panchayats for coverage through branch / BCs / CSC has been completed. Training programmes were organized at KFRC & R-SETI for all the BCs for updating their skills. Two FLCs at Bagalkot and one in Mudhol are functioning. BDCCB has opened FLC during 2014-15 with financial assistance from NABARD. FLCs are undertaking various awareness prgrammes. Other concerned banks should also open the FLCs in respective blocks allotted to them. Kotak Mahindra- BVV Sangha R-SETI in the district is also conducting suitable training programmes to create skilled workforce.

11. Banks had successfully implemented PMJDY scheme in the district to cover all the families with one bank account in the district. The banks have taken keen interest in implementation of PKSBY, PMJJY & Atal Pension Yojana by covering total of 1,28,528, 75,100 and 405 individuals respectively under these schemes. DBT is being implemented in the district and good progress has been made by banks under ‘PAHAL’. Commercial banks and KVGB are issuing Ru-Pay KCC cards to farmers in the district. Core Banking Solutions (CBS) adopted by Bagalkot DCCB has become operational during the year. The bank has installed three ATMs and is in the process of issuing Ru Pay KCC cards.