PLP 2016-17

EXECUTIVE SUMMARY

I General

 The theme of the PLP 2016-17 will be “Accelerating the pace of capital formation in agriculture and allied sector”.  Wayanad district has a total geographical area of 2129 sq km of which 37 per cent is covered by forests. About 83 per cent of the total land holdings are of less than one hectare size. Both net sown area and gross cropped area have declined progressively over the last 10 years, with slight fluctuation in some years. Coffee, Pepper, Paddy, Cardamom, Coconut, rubber, arecanut, Tea, banana and vegetables are the major crops grown. The area under paddy has been on decline and area under rubber has been on the rise. Coffee and Pepper continues to be the major crop of the district. As regards productivity, Coffee is having productivity of 851 kg/Ha (State Average 799) whereas Black Pepper’s productivity is only 414 Kg/Ha (State Average 547). In India, Coffee is cultivated in around 2.92 lakh Ha. Of it 85,000 Ha is in . In Wayanad Coffee is grown in 67364 ha. The concept of organic farming is gaining momentum in the district. Prominent allied activity is dairy. The Gross District Domestic Product (at factor cost by industry of origin) at current price for the year 2013-14 for Wayanad district is `831919 lakhs. The per capita income at Factor Cost by Industry of Origin for the year 2013-14(at current price) is at Rs.100563 lakh (for the population of 8.27 lakh) viz. 13th position amongst 14 districts in the state. Primary sector including agriculture and allied activities contribute an amount of ` 2263.95 crore to the total district GDP. This is 27% of the district GDP. The primary sector contribution to the State GDP (at Factory Cost by Industry of Origin at current price) is 4.12% (2013-14 quick estimate). The Population of the district is 8,16,558 (as per 2011 census of which 17% are tribal) and more than 90% of the population directly or indirectly dependent on agriculture and related activities. The district has also been declared as a zero industry district under RSVY.  Ground Level Credit flow under Priority Sector, which stood at ` Rs.1511.68 cr during 2011-12, increased by 26 per cent to Rs.1905.24 crore during 2012-13 and then further increased by 24% percent to Rs.2365.46 crore during 2013-14. During 2014-15 the GLC flow was to the tune of `2780 crore (an increase of 17.55%). Primary Sector took a lion’s share of 76 per cent while the share of Tertiary and Secondary Sectors were in the range of 11 and 13 per cent respectively during 2014-15. All banks collectively achieved the overall targets set under Annual Credit Plan during last three years. CD Ratio of the district, which was 124 per cent as on 31 March 2013, fell sharply to 113 per cent as on 31 March 2014 and maintained the same level of 113% for 2014-15 too. Banks in the district were able to achieve national goal benchmarks in respect of credit to priority sector, agriculture and weaker sections, but fared poorly in DRI advances.  The Base PLP projection for 2016-17 in respect of Wayanad district was Rs.3441.30 crores and the revised/re-assessed projection stands at Rs.3817 crores. The revised projection for 2016-17 is nearly 11 cent more than the base PLP projection and 17.45 per cent more than the ACP target for the year 2015-16. The share of Primary, Secondary and Tertiary Sectors are in the order of 79, 9 and 12 percent of the total projections.  Crop production has a share of 57 per cent of the total projection and the share of term loans in total agriculture is 25 per cent.  The projection under Crop Loans increased due to revision in Scale of Finance. Similarly, projections under Plantation & Horticulture, Farm mechanization, Animal Husbandry and Fisheries have increased mainly on account of revision in unit cost. In the context of special emphasis given by Government of India regarding the LT investment credit as well as in the light of promotion of Producer Companies by NABARD and several trainings imparted under FSPF/FTTF

1 PLP 2016-17 Wayanad district

it is expected that the long term investment will boost further. The thrust given on ‘Make in India’ programme will induce growth both for Food and Agro processing as well in the MSME sector. The PMJDY and Loans to JLGs will further connect the poorest citizens with the bank in a better manner and necessary projections at a higher level were provided for the same. In short Wayanad can provide an acceptable model of start up in the field of Food and Agro processing once we harness the motivational skills of the young people than considering them as mere wage earners.

 Already under UPNRM, NABARD has supported poly house projects and strengthening of infrastructure facilities will further boost long term investment in this sector. Moreover five producer companies have been recently formed in the district (of which 3 were supported under Produce Fund) and this will pave way for increased long term investment in the agricultural field since sufficient buy back arrangement will be there. Generally, the FPOs need at least 6 months to one year period of incubation. Two of the FPOs (M/s WASP and M/s. WAYFARM) have already moved on to procurement of farm produce and collective marketing and the heartening thing is that they are able to provide value addition in one form or other. As regards AH-Dairy and AH-SGP there is an increase of 26% and 113% respectively from the base PLP. This is mainly on account of the Area Development Schemes programmed and described in Chapter VI, diversification plans of Milk Societies as well as due to the expansion of Goat farm at Regional Agricultural Research Station, Amabalvayal. Dairy will continue to be one of the major segment of finance by banking sector. Above all the commissioning of Brahmagiri Meat Processing factory will further boost up the AH sector in the entire Malabar region. In the context of Government’s emphasis on food security, creation and strengthening of infrastructure like warehouses are planned and enhanced potential is assessed. Other than above, the financial projections have been revised to reckon the change effected in the cost of scale of finance. It is imperative to mention here that the commissioning of BIOWIN (financed under the UPNRM project of NABARD) has paved way for boosting the export credit both in terms of value addition of coffee and spices.  Key constraints in respect of major sectors are summarized below: . Crop Loans: Inadequate support price and other incentives for food crops, KCC coverage, storage & marketing . Water Resources: Low irrigation intensity, poor propagation of micro irrigation . Farm Mechanisation: Incentives to make easy availability of farm machinery . Plantation & Horticulture: Inadequate supply of quality planting material, lack of infrastructure for value addition, processing, storage & marketing, lack of affordable systems and technology for protected cultivation. . Animal Husbandry-Dairy: Inadequate availability of quality animals and fodder . Animal Husbandry-Poultry: Unavailability of chicks locally . Animal Husbandry-Goat/Pig: Good quality animals. . Fisheries: To bring all potential water bodies under scientific farming . Agriculture Infrastrcuture : Availability of land for godown; inadequacy of inputs for organic farming; lack of experts for initiating tissue culture studies . Food & Agro processing : lack of technical man power for production of value addition products and problems related to marketing etc. . Renewable Energy: Non-availability of quality devices at affordable cost . Micro & Small Enterprises: Incentives for land & power, inadequate skill training . Export credit : inadequate skill training for production of quality spices; processing of credit cases by banks needs to be sent to their HQ(most of them situated outside the district); . Education : Overall backwardness of the district where 17% are tribals;

2 PLP 2016-17 Wayanad district

II New Schemes & Programmes

With a view to have cluster based, planned approach for development of potential activities in compact areas, with active participation of all the stake holders, it is proposed to formulate Area Development Schemes. Based on the assessed potential, availability of linkage support and other required factors, Dairy-milch animals, have been identified for formulation of Area Based Schemes in Wayanad district. The beneficiaries are proposed to be mobilised into Joint Liability Groups (JLG) as this mode of financing serves as collateral substitute for loans provided to the small, marginal, tenant farmers, oral lessees, share croppers, etc. It enables the banks to reach farmers through group approach and helps in channelizing the benefits of cluster based approach, facilitate peer education and credit discipline etc. It is proposed to promote 600 JLGs in association with various banks/AH Department & Dairy Development department. (details are given in Chapter 6).

 For integrated tribal development with orchard based farming, already 6 wadi projects are in existence in Wayanad (nearly 1700 families are covered). In all these wadis, based on cluster, Producer Companies are being formed and discussions are underway for the same.  For enabling the Wayanad Green Tea Producer Company to set up a tea factory, recently a loan has been sanctioned by NABARD.  The support to 3 producer companies (M/s WASP; WAYFARM and BAAPCO) will pave way for ensuring adequate buy back of produce of farmers associated with these entities. Moreover more JLG formations and value addition in agri processing is expected. The new centres for sorting, grading and standardization (from out of these FPOs) will lead to new collection centres and for further processing facilities with the help of RARS/KINFRA etc. At the grass root level, SHGs/JLGs can be linked with FPOs or other Farmer Collectives and processing of fruits/vegetables are possible, provided state of the art facilities are offered at RARS/KINFRA etc. In this line HADA, KINFRA, GoK are formulating their plan of action and convergence with them is the need of the hour. One of such project already HADA sanctioned for RARS, (for processing of fruits/vegetables) recently.  The UPNRM project under going with Brahmagiri Development Society will boost the pesticide free vegetable cultivation in the district with the help of latest available technologies including poly house.  The WAYFARM Producer Company (promoted by various Farmers Clubs under FARMFED) is actively engaged in cultivation, production, procurement of vegetables and has diversified its activities to Mushroom pickles and other value added products including jackfruits etc. M/s BAAPCO started setting up Machineries for the proposed Dairy Processing Plant and it is expected that value addition in dairy will create entry of more players in this field.  With a view to supplement the lending resources of PACS, new programmes are planned for sanctioning of projects to PACS under PODF. This is based on the success of the previous 3 projects sanctioned to them. Viz. , Thariyode and Peria PACS. In addition to this the newly formed 4 Producer Companies will further give scope for farmes for processing activities.  In October 2014 the BIOWIN (UPNRM project of Spices Processing Factory by M/s WSSS with NABARD assistance of Rs.10.45 crores) started its operation and organization of 10000 organic farmers will further boost promotion of both SHGs and JLGs.  With a view to create a plat form for farmers from all the Panchayats to exhibit and exchange their cultivated traditional seeds, many of which are on the edge of extinction from on farm, seed fest was conducted successfulyin collaboration with MS Swaminathan Foundation and continuity of the same is explored towards ensuring further exchange of traditional seeds.

III Infrastructure

 The district has “A+” status in rural electrification, PHCs, pucca roads and drinking water supply while it has A status only in Health, literacy rate etc. Under RIDF (tranche I to XX, as many as 338 projects with loan assistance of Rs.402 crore were sanctioned in the district, which are expected to accelerate the pace of rural and agriculture development.  The critical infrastructure requiring attention of the state government in the district include irrigation, drinking water, education, rural connectivity, soil conservation etc. Infrastructure

3 PLP 2016-17 Wayanad district

which can be supported through private investment with credit support include storage and marketing, agro service centres, value addition and processing facilities etc.

IV Review and monitoring

 Coordinated efforts by all the stake holders are required to ensure desired flow of credit to priority sector in general and investment credit for enhancing capital formation in particular. Reviews in DCC/BLBC meetings should be more focused and action plan oriented and should also cover progress in financial inclusion plan, KCC, SHG/JLG etc. SAMIS reporting system needs to be strengthened for meaningful review.

Appendix A to Annexure 1 Broad Sector wise PLP projections – 2016-17 (`. Lakh) Sr. Particulars PLP projections No 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 217680 ii Term Loan for agriculture and allied activities 72897 Sub Total 290577 B Agriculture Infrastructure 7049 C Ancillary activities 3472

I Credit potential for Agriculture (A+B+C) 301098 II Micro, Small and Medium Enterprises 33343 III Export credit 1260 IV Education 15210 V Housing 18720 VI Renewable Energy 114 VII Others 11666 VIII Social infrastructure involving bank credit 330 Total Priority Sector (I to VIII) 381741

PLP projections for 2016-17

Agriculture 79%

MSME 8.73% Social Infrastructure 0.09%

Ohers 3.06% Renewable Energy Housing Education Export credit 0.03% 4.90% 3.98% 0.33%

4 PLP 2016-17 Wayanad district

Sector/ sub-sector wise projections for 2016-17 (` in lakh) (`. Lakh) Sr. Particulars PLP Projections No. 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 217680 ii Water Resouces 4336 Iii Farm Mechanisation 905 Iv Plantation and Horticulture (including sericulture) 53179 v Forestry and Waste Land Development 76 vi Animal Husbandry – Dairy 10930 vii Animal Husbandry – Poultry 796 viii Animal Husbandry-Sheep, Goat, Piggery etc. 2560 ix Fisheries (Marine, Inland, Brackish water) 115 X Others – Bullock, Bullock cart etc. Sub Total 290577 B Agriculture Infrastructure i Construction of Storage facilities (Warehouses, Market yards, Godowns, 2288 Silos, Cold storage units/Cold storage chains) Ii Land development, Soil conservation, Watershed development 4232 iii Others (Tissue culture, Agri bio-technology, Seed production, Bio 529 pesticides/fertilisers, Vermi composting) Sub Total 7049 C Ancillary Activities I Food and Agro processing 3387 Ii Others (Loans to Cooperative Societies of farmers for disposing of their 85 produce, Agri clinics/Agri Business Centres, Loans to PACS/FSS/LAMPS, Loans to MFIs for on lending) Sub Total 3472 Total Agriculture 301098 II Micro, Small and Medium Enterprises i MSME – Working capital 6277 ii MSME – Investment credit 27066 Total MSME 33343 III Export Credit 1260 IV Education 15210 V Housing 18720 VI Renewable Energy 114 VII Others (Loans to SHGs/JLGs, loans to distressed persons to prepay non- 11666 institutional lenders, PMJDY, Loans to state sponsored organisations for SC/ST) VIII Social Infrastructure involving bank credit 330 Total Priority Sector 381741

5 PLP 2016-17 Wayanad district

MAP OF THE DISTRICT

6 PLP 2016-17 Wayanad district

District Profile District - WAYANAD State - KERALA 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 2129 Agro-climatic Zone Western Plain and Ghat region - Hilly region ( Zone 12) No. of Sub Divisions 1(Revenue No. of Blocks 4 Climate Hot & Humid and slightly cooler in interior areas No. of Villages (Inhabited) 49 Soil Type Laterite, red loamy, forest soils etc. No. of Panchayats 25 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 212966 Rainfall [in mm] (figure for Normal 2010-11 2011-12 2012-13 Actual Forest Land 78787 12-13 taken from south 2631 2825 2098 2690 Area Not Available for Cultivation 11271 west monsson rainfall) Variation from Normal -584 -1153 58 Permanent Pasture and Grazing Land Nil Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 48 Water (McM) 292.59 71.93 220.66 Cultivable Wasteland 1023 5. DISTRIBUTION OF LAND HOLDING Current Fallow 1731 Holding Area Classification of Holding Other Fallow 858 Nos. % to Total Ha. % to Total Net Sown Area 115135 <= 1 Ha 129429 83 32493 34 Total or Gross Cropped Area 172355 >1 to <=2 Ha 24518 16 41536 44 Area Cultivated More than Once 57220 >2 Ha 1908 1 20469 22 Cropping Intensity [GCA/NSA] 1.50 Total 155855 100 94498 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 52 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 33 Population 817 401 415 786 31 Agricultural Labourers 94 Scheduled Caste 33 17 17 33 Nil Workers engaged in Household Industries 10 Scheduled Tribe 136 67 69 136 Nil Workers engaged in Allied Agro-activities 55 Literate 649 330 319 649 Nil Other workers 159 BPL 123 Nil 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 191 Having brick/stone/concrete houses NA Having electricity supply NA Rural Households 166 Having source of drinking water 100 Having independent toilets NA BPL Households 68 Having access to banking services 162 Having radio/tv sets NA 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 49 Anganwadis 733 Dispensaries NA Villages having Agriculture Power Supply 49 Primary Health Centres 25 Hospitals 244 Villages having Post Offices 49 Primary Health Sub-Centres 5 Hospital Beds 2263 Villages having Banking Facilities 49 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 49 Fertiliser/Seed/Pesticide Outlets [Nos] 136 Agriculture Pumpsets[Nos] NA Villages having Primary Health Centres 49 Total N/P/K Consumption [MT] 8591 Pumpsets Energised [Nos] NA Villages having Potable Water Supply 36 Certified Seeds Supplied [MT] NA Agro Service Centres [Nos] 80 Villages connected with Paved Approach Roads 49 Pesticides Consumed [MT] NA Soil Testing Centres [Nos] 4 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 174 Plantation nurseries [Nos] 8 Total Area Available for Irrigation (NIA + Fallow) 117984 Power Tillers [Nos] 258 Farmers' Clubs [Nos] 150 Irrigation Potential Created 23155 Threshers/Cutters [Nos] 29 Krishi Vigyan 1 Net Irrigated Area(Total area irrigated at least once) 10335 14. INFRASTRUCTURE FOR STORAGE TRANSPORT & MARKETING Area irrigated by Canals / Channels 1520 Rural/Urban Mandi/Haat [Nos] NA Wholesale Market [Nos] 5 Area irrigated by Wells 233 Length of Road[Km] by PWD 1029 Godown [Nos] 4 Area irrigated by Tanks 137 Length of Railway Line [Km] Nil Godown Capacity[MT] 2800 Area irrigated by Other Sources 8445 No. of KSRTC buses held (Nos) 248 Cold Storage [Nos] with KINFRA Irrigation Potential Utilized (Gross Irrigated Area) 44% Goods Transport Vehicle [Nos] 5671 Cold Store Capacity[MT] NA 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] 2010-11 2012-13 Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) 3 NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) NA NA Coffee 67366 55275 67364 57350 851 Fruit (Pulp/Juice/Fruit drink) NA NA Pepper 16189 2431 8945 3706 414 Spices (Masala Powders/Pastes) 3 NA Ginger 2673 19414 1893 11845 6257 Dry-fruit (Cashew/Almond/Raisins) NA NA Banana 10467 87968 12359 107244 8677 Cotton (Ginnining/Spinning/Weaving) NA NA Rice 11054 27911 10230 28052 2742 2.50 lakh Milk (Chilling/Cooling/Processing) 34 Coco nut 10043 51 M nuts 10515 46 M nuts 4565 nuts/Ha litres/day Meat (Chicken/Motton/Pork/Dryfish) 1 NA Tea 6472 9686 6474 13966 1497 Animal feed (Cattle/Poultry/Fishmeal) 1 NA 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] 27 Animal Markets [Nos] 3 Cattle - Cross breds(As per 61 5 56 Disease Diagnostic Centres [Nos] Milk Collection Centres [Nos] Quick est 2012- 76777) 1 80 Cattle - Indigenous 4 1 3 Artificial Insemination Centers [Nos] 75 Fishermen Societies [Nos] 2 Buffaloes 3 2 1 No. of cattle farm 250 Fish seed farms [Nos] nil Sheep - Cross bred Less than 1000 NA NA Animal Husbandry Tng Centres [Nos] 5 Fish Markets [Nos] 25 Sheep - Indigenous Less than 1000 NA NA Dairy Cooperative Societies [Nos] 55 Poultry hatcheries [Nos] 1 Goat 75 17 58 Improved Fodder Farms [Nos] 5 Slaughter houses [Nos] 3 Pig - Cross bred 2 1 1 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous Less than 1000 NA NA Fish Production [MT] 564 Per cap avail. [gm/day] NA Horse/Donkey/Camel 6 4 2 Egg Production [Lakh Nos] 819 Per cap avail. [nos/p.a.] 66 Poultry - Cross bred 302 NA NA Milk Production (000 TONNES) 122 Per cap avail. [gm/day] 120gm/day Poultry - Indigenous 67 NA NA Meat Production [000 MT] 14 Per cap avail. [gm/day] 34 As per quick est of 2012 : Cattle - 76777;Goat 34920; Poultry 237086; Source : Farm Guide 2014, Deptt of Economics & Statistics, Census 2011, Economic Review 2013

7 PLP 2016-17 Wayanad district

Banking Profile

District - WAYANAD State - KERALA Lead Bank - CANARA BANK

1. NETWORK & OUTREACH (As on 31/03/2015) No. of No. of Branches No. of non-formal agencies assoiated Per Branch Outreach Agency Banks/So Semi- mFIs/mF c. Total Rural Urban SHGs/JLGs BCs/BFs Villages Households urban Os Commercial Banks 22 86 7 79 0 NA 2264 8 0.8 2677 Regional Rural Bank 1 29 NIL 29 0 NA 1902 2 1.8 5929 District Central Coop. 1 59 42 17 0 NA 8636 Nil 1.1 3609 Bank ( incl. PACS) Coop. Agr. & Rural Dev. 3 3 3 NIL 0 NA Nil Nil 16.3 55333 Bank Others 1 1 NIL 1 0 NA Nil Nil 49.0 166000 All Agencies 28 178 52 126 NA 12802 10 0.4 1186 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [`lakh] Agency ######### ######### ######### Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) Commercial Banks 785507 551178 783482 42 40 122820 155609 174773.04 27 51 Regional Rural Bank 376319 356118 381071 7 19 25902 34519 40538.7 33 11 Cooperative Banks 176020 548201 812019 48 41 86125 117004 147815.35 36 38 Others 34685 NA NA NA NA NA NA NA NA NA All Agencies 1372531 1455497 1976572 36 100 234847 307132 363127.09 31 100 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [` lakh] 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 134184 148862 131525 -12 37 146425 181490 211719.09 24 52 Regional Rural Bank 93124 84242 90759 8 21 47771 55218 61291.81 16 16 Cooperative Banks 199227 164042 612390 273 41 100662 94121 115537.15 -6 27 Others 868 315 375 19 0 12193 17276 21166.28 42 5 All Agencies 427403 397461 835049 110 100 307051 348105 409714.33 13 100 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs ) CD Ratio During 2014-15 Cumulative Agency Agency 31-Mar-12 31-Mar-13 31-Mar-14 31-Mar-15 Deposit Credit Deposit Credit Commercial Banks 116 109 116.00 121.14 Commercial Banks 232304 -17337 783482 131525 Regional Rural Bank 157 153 160.00 151.19 Regional Rural Bank 24953 6517 381071 90759 Cooperative Banks 107 96 80.00 78.16 Cooperative Banks 263818 448348 812019 612390 Others Others 60 375 All Agencies 126 124 113.00 112.83 All Agencies 521135 437588 1976572 835049 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) Loans to Weaker Priority Sector Loans ( Loans under DRI Scheme Loans to Agr. Sector Sections(Outstanding Loans to Women Outstanding) (Outstanding) Agency ) Amount [` % of Total Amount [` % of Total Amount % of Total Amount [` % of Total Amount [` % of Total lakh] Loans lakh] Loans [` lakh] Loans lakh] Loans lakh] Loans Commercial Banks ######### 45.99 ######### 26.90 69087.37 30.39 467.11 0.19 12616.28 3.08 Regional Rural Bank 57758.54 14.10 33274.16 8.12 49996.23 81.57 21.68 0.04 11551.00 2.82 Cooperative Banks 31925.94 7.79 8502.49 2.08 54674.49 47.32 Nil Nil Nil Nil Others 21166.28 5.17 Nil Nil 7196.54 34.00 Nil Nil 388.00 0.09 All Agencies ######### 73.05 ######### 37.10 ######### 48.32 488.79 0.12 24555.28 5.99 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Agency Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach'ment [` Ach'ment Ach[%] in Target [`000] [`000] [` 000] [%] [`000] [` 000] [%] 000] [%] last 3 years Commercial Banks 6953500 6394010 92 84500 83569 99 115735.00 115464.22 100 97.0% Regional Rural Bank 3185000 2611603 82 37865 27182 72 50500.00 56998.68 113 89.0% Cooperative Banks 7672000 9867809 129 96935 123099 127 124765.00 127114.35 102 119.0% Others 389500 176812 45 700 2695 385 1000.00 672.42 67 166.0% All Agencies 18200000 19050234 100 220000 236546 108 2920.00 300249.67 10283 103.0% 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Broad Sector Target [ Ach'ment Ach'ment Target [ Ach'ment Ach'ment Ach'ment [` Ach'ment Ach[%] in Target [ `000] `000] [` '000] [%] `000] [` '000] [%] '000] [%] last 3 years Crop Loan 96000 140104 146% 106609 175498 165% 143968.00 187058.00 130% 147 Term Loan (Agr) 40000 14572.00 36% 59390 10992 19% 61232.00 25370.00 41% 32 Total Agri. Credit 136000 154676 114% 166000 186490 112% 205200.00 212428.00 104% 110 Non-Farm Sector 4000 3792 95% 4000 11656 291% 35000.00 35079.00 100% 162 Other Priority Sector 42000 32055 76% 50000 38400 77% 30000.00 30448.00 101% 85 Total Priority Sector 182000 190523 105% 220000 236546 108% 270200.00 277955.00 103% 105 9. RECOVERY POSITION 2012-13 2013-14 2014-15 Average Agency Demand [` Recovery Recovery Demand [` Recovery Recovery Demand [` Recovery [` Recovery Rec. [%] in lakh] [` lakh] [%] lakh] [` lakh] [%] lakh] lakh] [%] last 3 years Total of all agencies 98912 51522 52 111312 62334 56 173.46 107.37 62.00% 57% Sources : Lead Bank & SLBC 9