9 Executive Summary Pulwama District Has the Proud Privilege Of

PLP 2016-17 District Pulwama

Executive Summary

Pulwama district has the proud privilege of producing the finest quality saffron, which is famous for its colour and flavor all over the world; 90 percent of saffron production comes from Pampore uplands, locally called ‘wudar’. In Pulwama district, more than 80% of the working force is engaged in agricultural pursuits. Besides saffron, the cropping pattern is dominated by horticulture crops, i.e., apple, walnut, etc. and cereals like paddy, oil seeds and vegetables. The farmers in the district are now shifting from their old cropping pattern to crop-combination and from food crops to cash crops. The district generally follows mono- cropping system due to low temperature during winters.

Deposits in banks have shown a growth of 4.90% as on 31.03.2015 over the previous year and the share of commercial banks is about 94% of total deposits. The advances have also shown a growth of 18.84% as on 31.03.2015 and the commercial banks have the majority share of almost 94%. The CD ratio for all the agencies is 77% as on 31.03.2015 which has increased from 68% as on 31.03.2014. The CD ratio of commercial banks, RRB and cooperative bank is 78%, 91% and 42%, respectively as on 31.03.2015.

PLP for 2016-17 for Pulwama district containing the physical and bank loan projections has been made for various sectors/ activities under Farm and Non-Farm sector as also Other Priority Sectors. The updated PLP projections have been made for the year 2016-17 after assessing the credit flow in 2013-14, 2014-15 and the DCP based on the PLP for 2015-16, and interactions with Government Departments/ agencies as also after obtaining feedback on GLC at block level. This Potential Linked Credit Plan envisages achieving the credit potential of ` 117495.60 lakh by the banks during the year 2016-17 in the district.

The actual credit flow under priority sector during the last three years and District Credit Plan (DCP) target for 2015-16 is given below:

(`lakh) Term loan Total MSME incl. Crop Other Total for Agri. & Agriculture Food & Year Production Priority Priority Allied & Allied Agro & Marketing Sector Sector Sectors Sectors Processing 2012-13 1402.42 2996.81 4399.23 5153.79 2239.43 11792.45

2013-14 8310.0 1030.0 9340.0 6846.0 5003.0 21229.0

2014-15 20435.90 5868.48 26304.35 19417.56 49222.64 94944.55 Target 40620.89 5045.99 45666.88 33259.45 10858.46 89784.79 2015-16

PLP 2016-17 District Pulwama

Productivity of crops in the district is low on account of late maturing of crops, traditional methods of cultivation, mono-cropping and less intensive use of chemical fertilizers and other inputs. Organized marketing/storage facilities are not available in the district.

Suggested action points to overcome 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 for 2016-17 are: promotion of SHGs, JLGs, FPOs, collectives, etc. which require optimum coordination among all agencies and stakeholders in the district including decentralized participation of the rural people. Needless to mention, the district requires adequate capital formation in the desired/ priority sectors to meet aspirations/ 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

PLP 2016-17 District Pulwama

BROAD SECTOR-WISE PLP PROJECTIONS - 2016-17

(` lakh)

Sr. No. Sector Projections for 2016-17

A Farm Credit

i Crop Production, Maintenance & Marketing 21864.00

ii Term Investment for Agriculture and allied activities 10054.57

Total (i & ii) 31918.57

B Agriculture Infrastructure 1945.50

C Ancillary Activities 24638.75

I Credit Potential for Agriculture (A + B + C)

II Micro, Small & Medium Enterprises (MSME) 13663.13

III Export Credit 990.00

IV Education 864.00

V Housing 10732.50

VI Renewable Energy 592.50

VII Others 31378.13

VIII Social Infrastructure involving Bank Credit 772.50

Total Priority Sector (I to VIII) 117495.60

PLP 2016-17 District Pulwama

Summary of Sector/Sub-sector wise PLP Projection 2016-17 (` lakh) Sr. No. Sector PLP Projections 2016-17 1 Credit Potential For Agriculture A Farm Credit I Crop Production, Maintenance and Marketing 21864.00 Ii Water Resources 331.74 Iii Farm Mechanization 1155.15 Iv Plantation and Horticulture 3382.10 V Forestry and Waste Land 24.98 Vi Animal Husbandry- Dairy 2601.00 Vii Animal Husbandry –Poultry 1196.28 Viii Animal Husbandry-Sheep, Goat, Piggery, etc. 1080.00 Ix Fisheries 77.22 X Others-Bullock, Bullock Cart, etc. 116.10 Sub Total 10054.57 B Agriculture Infrastructure I Construction of storage facilities 1815.00 Ii Land Development, Soil Conservation 90.00 Iii Others 40.50 Sub Total 1945.50 C Ancillary Activities I Food and agro Processing 24183.75 ii Others 455.00 Sub Total 24638.75 TOTAL AGRICULTURE 31918.57 2 Micro, Small and medium Enterprises i MSME-Working capital 3903.75 ii MSME-Investment Credit 9759.38 Total MSME 13663.13 3 Export Credit 990.00 4 Education 864.00 5 Housing 10732.50 6 Renewable Energy 592.50 7 Others 31378.13 8 Social Infrastructure involving Bank Credit 772.50 TOTAL PRIORITY SECTOR (1+2+3+4+5+6+7+8) 117495.57

PLP 2016-17 District Pulwama

MAP OF DISTRICT - PULWAMA

District Pulwama location in J&K state Map

PLP 2016-17 District Pulwama

District Profile

District - Pulwama State - Jammu & Kashmir Division - Kashmir

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 1086 Temperate climate with lower to higher hills, alpine zone and snow Agro-climatic Zone No. of Sub Divisions 4 bound areas No. of Blocks 4 Climate Warm sub-humid to cool humid climate No. of Villages (Inhabited) 323 Soil Type Silty-Clay-Loam No. of Panchayats 186 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER (Discontinued by MD from 1999 onwards) Total Area Reported 60772 Normal 2012-13 2013-14 2014-15 Actual Forest Land (Sq. km.) 412 Rainfall [in mm] 600-1000mm NA NA NA Area Not Available for Cultivation 8387 Variation from Normal NA NA NA Permanent Pasture and Grazing Land 5953 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 1102 Water [Ham] NA NA NA Cultivable Wasteland 3617 5. DISTRIBUTION OF LAND HOLDING Current Fallow 6536 Holding Area Classification of Holding Other Fallow 171 Nos. % to Total Ha. % to Total Net Sown Area 32052 <= 1 Ha 67859 88.36% 27510 64.28% Total or Gross Cropped Area 57004 >1 to <=2 Ha 7163 9.33% 9734 22.75% Area Cultivated More than Once 24952 >2 Ha 1778 2.32% 5551 12.97% Cropping Inensity [GCA/NSA] 1.78% Total 76800 100.00% 42795 100.00% 6. WORKERS PROFILE [No.] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 76906 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers N.A. Population (2011) 570.06 297.98 272.08 491.36 78.70 Agricultural Labourers 2404 Scheduled Caste 0.097 0.095 0.002 0.04 0.06 Workers engaged in Household Industries 5976 Scheduled Tribe 10.55 5.52 5.04 10.53 0.02 Workers engaged in Allied Agro-activities 3695 Literate (%) 65.00 75.41 53.81 Other workers 28375 BPL 0.33 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 112 Having brick/stone/concrete houses 62.748 Having electricity supply Rural Households 98 Having source of drinking water 11.375 Having independent toilets BPL Households NA Having access to banking services Having radio/tv sets 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 313 Anganwadis 84 Dispensaries 27 Villages having Agriculture Power Supply NA Primary Health Centres 16 Hospitals 3 Villages having Post Offices NA Primary Health Sub-Centres 74 Hospital Beds 262 Villages having Banking Facilities 314 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 323 Fertiliser/Seed/Pesticide Outlets [Nos] 156 Agriculture Pumpsets[Nos] Villages having Primary Health Centres NA Total N/P/K Consumption [MT] 24593 Pumpsets Energised [Nos] 60 Villages having Potable Water Supply 323 Certified Seeds Supplied [MT] 209 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] 539 Plantation nurseries [Nos] Total Area Available for Irrigation (NIA + Fallow) 38759 Power Tillers [Nos] 30 Farmers' Clubs [Nos] Irrigation Potential Created NA Threshers/Cutters [Nos] 3 Krishi Vigyan Net Irrigated Area(Total area irrigated at least once) 21283 14. INFRASTRUCTURE FOR STORAGE, TRANSPORTKendras[Nos] & MARKETING Area irrigated by Canals / Channels 20888 Rural/Urban Mandi/Haat [Nos] Wholesale Market [Nos] 1 Area irrigated by Wells 56 Length of Pucca Road [Km] 779 Godown [Nos] 76 Area irrigated by Tanks nil Length of Railway Line [Km] 745 Godown Capacity[MT] 4000 Area irrigated by Other Sources 339 Public Transport Vehicle [Nos] Cold Storage [Nos]

PLP 2016-17 District Pulwama

Banking Profile

District - Pulwama State - Jammu & Kashmir Lead Bank - J&K Bank Ltd.

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 6 47 30 17 NA NA 40 7 2383 Regional Rural Bank 1 12 11 1 NA NA NA 27 9333 District Central Coop. Bank 1 9 4 5 NA NA NA 36 12444 Coop. Agr. & Rural Dev. Bank 1 3 3 NA NA NA 108 37333 Primary Agr. Coop. Society 26 26 26 NA NA NA 12 4308 Others (SFC) 1 1 1 NA NA NA 323 112000 All Agencies 36 98 74 24 NA NA 40 3 1143 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs. crore] 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 NA 1525.15 1599 4.86 93.84% Regional Rural Bank NA NA NA NA NA NA 58.22 58.75 0.91 3.45% Cooperative Banks NA NA NA NA NA NA 41.09 46.15 12.31 2.71% All Agencies NA NA NA NA NA 9591500 1624.46 1704.22 4.91 100.00% 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs. crore] 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 51230 56260 9.82 87.87% NA 1046.27 1246.79 19.17 94.48% Regional Rural Bank NA 6023 6246 3.70 9.76% NA 48.42 53.28 10.04 4.04% Cooperative Banks NA 1413 1521 7.64 2.38% NA 15.71 19.6 24.76 1.49% All Agencies NA 58666 64027 9.14 100.00% NA 1110.40 1319.67 18.85 100.00% 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 NA 68.60% 77.96% Commercial Banks 73021 NA NA NA Regional Rural Bank NA 83.17% 90.69% Regional Rural Bank 2054 NA NA NA Cooperative Banks NA 38.23% 42.47% Cooperative Banks 455 NA NA NA All Agencies NA 68.36% 77.44% All Agencies 75530 NA NA NA 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 Loans to Women Agency Amount % of Total Amount % of Total Amount % of Total AmountScheme % of Total Amount % of Total [Rs. crore] Loans [Rs. crore] Loans [Rs. crore] Loans [Rs. crore] Loans [Rs. crore] Loans Commercial Banks 904.43 95.26% 248.46 94.46% NA NA NA NA NA NA Regional Rural Bank 39.30 4.14% 13.67 5.20% NA NA NA NA NA NA Cooperative Banks 4.84 0.51% 0.91 0.35% NA NA NA NA NA NA Others 0.88 0.09% NA NA NA NA NA NA All Agencies 949.45 100.00% 263.04 100.00% NA NA NA NA NA NA 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLAN 2012-13 2013-14 2014-15 Average Agency Target [Rs. Ach'ment Ach'ment Target [Rs. Ach'ment Ach'ment Target [Rs. Ach'ment Ach'ment Ach[%] in crore] [Rs. crore] [%] crore] [Rs. crore] [%] crore] [Rs. crore] [%] last 3 years Commercial Banks 293.73 92.60 31.53% 624.06 179.75 28.80% 736.73 904.43 122.76% 61.03% Regional Rural Bank 31.32 16.71 53.35% 60.33 25.34 42.00% 55.40 39.30 70.94% 55.43%