PLP 2016-17 Nalbari District EXECUTIVE SUMMARY

Around 89.0% of the total population of the district live in villages and agriculture is the main occupation of the people engaging about 70% of the working population. No major industrial unit exists in the district. Paddy is the major agricultural crop and mustard, potato and pulses are other major crops. Fruits and vegetables are cultivated on a moderate scale. Poultry, piggery, fishery, dairy and goat rearing are the major allied agricultural activities. Sericulture, especially eri and muga rearing, is gaining popularity among villagers in some pockets in the district.

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 selected 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. PLP 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 required to be provided by line departments to facilitate credit flow as planned are also listed in the PLP.

Agriulture is the main economic activity in the district. About 70% of the working population in the district is engaged in agriculture. There is no major industrial unit exists in the district. Weaving is widely done by the women in the district to generate additional income for the family. Fish production is also an important activity in the district.

The strength of the district lies in its conducive soil & climatic conditions, good communication network, high literacy rate and accessibility to markets. But the district suffers from inherent weakness such as fragmentation of land holdings, poor irrigation facilities, non-availability of quality inputs, etc. The district is affected by flood every year, caused by the Brahmaputra and its tributaries.

Sub-sectoral trends and credit flow for the district could not be assessed since LBR-I is not stabilised. Achievement against Annual Creidt Plan for the year 2012-13, 2013-14 and 2014-15 were 42.71%, 40.67% and 45% respectively.

District has 38 branches of Commercial banks including Private Banks, 18 branches of Assam Gramin Vikash Bank, 2 branches of Assam State Cooperative Apex Bank Ltd, 2 branches of Urban Cooperative Bank and 22 PACs provide agriculture credit to their members. The CD ratio of the district during last three years 2012-13, 2013-14 and 2014-15 were 47.54%, 53.52% and 52.21% respectively.

Highlights of Policy initiatives in the field of Agriculture and Rural Development by GoI/RBI/NABARD/State Government is given in Chapter I.

Ongoing Government Sponsored Programmes / schemes are given in Chapter 2. It is expected that this will serve as ready reckoner for the PLP users.

Brief sectoral review and projections for 2016-17

The Potential Linked Credit Plan (PLP) of Nalbari District is intended to provide insight on the potential for development of different sectors of the rural economy of the district. It is a road map for extending credit to important sectors/sub sectors/activities. The potential of each sector/sub sector that could be tapped with institutional credit have been assessed and projection of credit need for Nalbari district has been estimated at `23760.34 lakh for the year 2016-17. Block-wise details of estimates for 2016-17 are given in Annexure- I.

The Base PLP projection (2012-17) for the year 2016-17 was estimated at 20498.14 lakh However, it is expecting that there will be increase in cost of various agriculture inputs and labour cost, fuel price hikes and certain factors like forecast of normal rainfall. Accordingly, the revised PLP projections for 2016-17 is estimated at Rs.23760.34 lakh, comprising of Rs.17918.47 lakh for Agriculture (Rs.11268.46 lakh for Crop Loans, Rs.6099.26 lakh for Agri Term Loans, Rs.326.35 for

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PLP 2016-17 Nalbari District Agriculture Infrastucture and Rs.224.40 lakh for Anciliary Activities), Rs. 1991.56 lakh for SME Sector and Rs.3850.31 lakh for Other Priority Sector. The sub-sectoral projections for the year 2016-17 is given as under:

FARM CREDIT

Production of Seasonal Crops - Short term Crop loan Subsistence agriculture is prevalent in most parts of the district. Besides, regular kharif (Sali) crops, farmers are now growing rabi and pre-kharif season crops. The net sown area of Nalbari district constitutes about 70% of the geographical area. The most important crop of the district is paddy which covers over 77% of the gross cropped area. With the promotional and financial interventions from District Agriculture Department under various ongoing schemes, there has been a perceptible change in the cropping pattern from the traditionally cultivated paddy to other crops like oil seeds and pulses. Cultivation of vegetables is also being increasingly taken up by farmers as a result of improvement in irrigation facilities with the construction of STWs/LLPs by Agriculture Department. The potential of bank loan has been assessed at ` 11268.46 lakh for production of short duration crops in the year 2016-17. Water Resources Development of irrigation in the district is very slow. All the blocks in the district are categorised as 'Safe' blocks. Further, there is immense potential for development of surface irrigation. However, lift irrigation projects sanctioned by State Govt. in the district have not taken off well due to paucity of funds. The percentage of net sown area having assured irrigation is estimated at 28% (19780 ha) and of this, major area i.e. 77% (15210 ha) is irrigated through STW. The irrigation potential will definitely increase after implementation of AACP-World Bank Scheme or other Government schemes. A potential of `745.99 lakh is projected for minor irrigation activities for the year 2016- 17. Land Development Land Development sector is a broad area encompassing activities like land levelling and on-farm development works for preparing the land for irrigation, soil conservation, bunding and interbund, land grading in rainfed areas, reclamation of saline and alkaline soils, soil improvement and water management and improved rainfed farming practices etc. ` 36.97 lakh is projected as potential for issue of bank loan for the year 2016-17.

Farm Mechanisation Farm Mechanisation helps in minimising the cost of cultivation, reducing drudgery in operations and increasing cropping intensity. Many subsidy linked programmes like AACP, Assam Vikas Yojna, etc. are going on in the district to facilitate farm mechanisation. The potential for credit under this sector for the year 2016-17 estimated at ` 853.50 lakh

Plantation and Horticulture The total area under plantation and horticulture crops in Nalbari district is at around 6% of the gross cropped area. Arecanut, Banana, Coconut, Betel Vine and Assam Lemon are the major plantation and horticulture crops in the district. The potential for credit under this sector is estimated at `488.77 lakh for the year 2016-17.

Dairy The production of milk in the district accounts for 3% of state’s production. The per capita daily availability of milk is estimated at 90 ml. In the district farmers have already adopted stall-fed crossbreed cattle rearing, but the number is very less. With support like induction of high yielding cattle, massive AI programme, feed and fodder development programme, this sector can grow in a massive way. The potential for credit under the sector for the year 2016-17 is estimated at ` 1275.12 lakh.

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PLP 2016-17 Nalbari District Poultry

As per the Livestock census (2007), the poultry population of the district is 4,49,548. Commercial farming is very popular in the district and many farmers rear birds in small numbers under free range system. Supply of day old chicks to the farmers is facilitated by private parties/suppliers and a few NGOs from outside the district. The potential for credit for the sector is estimated at `1101.43 lakh for the year 2016-17.

Sheep / Goat / Piggery Sheep rearing activity has not picked up in the district when compared with goat rearing. There is good demand for pork and mutton in the district and this sector has immense potential for exploitation. The exploitable potential for bank credit has been projected `791.84 lakh for the year 2016-17.

Fisheries

The fisheries resources of Nalbari district account for 3.7% of the total resources of the state. The district is self sufficient in fish production and is in a position to supply local fish and seed to other districts. The potential for bank credit has been projected at `660.38 for the year 2016-17.

MSME

Development of agro-based industries will provide a boost to productivity and profitability of agriculture in the district. The development of rural non-farm sector activities, comprising village/cottage/de-centralised, household/tiny and small scale industries has been accepted as a major component of economic policy to tackle growing unemployment and underemployment, besides providing an avenue for supplementing farm income thereby helping in prevention of migration of rural population to urban areas. The potential for credit for the year 2016-17 is estimated at `1991.56 lakh for 2015-16.

Renewable Sources of Energy To encourage replacement of non-renewable energy sources like fossil fuels, kerosene and diesel with solar energy to meet energy requirements in rural areas there is a need for promotion of Solar energy. There is potential for solar lighting system in villages especially in Char areas which are not yet electrified. The potential for credit for the period 2016-17 is estimated at `15.91 lakh.

II . Major Constraints and action points.

Lower growth in agriculture was observed due to farmers’ ignorance, low level of capital formation and poor quality of physical infrastructure. Bank credit can act as catalyst for capital formation in rural economy.

III. INFRASTRUCTURE SUPPORT Infrastructure directly supports the process of production and also facilitates to sustain the growth in production and increase in income generation. Investment in rural infrastructure creates new economic opportunities and activities, generates additional employment and income, facilitates and improves delivery of other rural services and enhances democratic process and skills among the rural poor. Irrigation facilities in the district is not encouraging, to tap the agriculture potential there is an urgent need to develop irrigation facilities. There is also a need for Rural Godown and Marketing infrastructure projects in the district. These projects can be taken up in PPP mode also.

Internal Crefir Delivery System - Micro Finance In order to ensure a focussed approach to rural poverty eradication in a time bound manner the SGSY has been redesigned into National Livelihood Mission (NRLM) under the aegis of the Union Ministry and Panchayati raj. The main objective of bring BPL household under SHG net. In Nalbari district Barkhetri Development Block has been taken as intensive block by NRLM and another block Paschim Nalbari is likely to be identified as intensive block. The State Govt. is also promoting formation of groups through DRDA in other blocks. There are about 53,856 rural poor households

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PLP 2016-17 Nalbari District and 90,721 unemployed people including 12,982 women. So, there is scope for forming more SHGs targeting BPL families and unemployed people in the district. The number of SHGs formed so far in the district is around 10412 out of which 8247 are credit linked.

Area Development Plan / Scheme

Considering the huge potential and demand in Dairy Sector, an area based scheme on dairy has been incorporated the Chapter. All the seven blocks have been identified for development of dairy sector in a mission mode. The project will be implemented through Women SHG/SHG Federation, FC, PO, NGO.

Thrust areas for 2016-17

Infrastructure directly supports the process of production and also facilitates to sustain the growth in production and increase in income generation. Investment in rural infrastructure creates new economic opportunities and activities, generates additional employment and income, facilitates and improves delivery of other rural services and enhances democratic process and skills among the rural poor. Irrigation facilities in the district is not encouraging, to tap the agriculture potential there is an urgent need to develop irrigation facilities. There is also a need for Rural Godown and Marketing infrastructure projects in the district. These projects can be taken up in PPP mode also.

There is a need for coordinated approach for enhancing capital formation, strengthening of SAMIS reporting system, better monitoring and review at BLBC, DCC meetings, effective implementation of Financial Inclusion plans including coverage of oral Lessees, Tenant Farmers into Joint Liability Groups, etc.

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PLP 2016-17 Nalbari District Appendix A to Annexure 1

Broad Sector wise PLP Projections 2016-17

District : Nalbari State : Assam (` lakh) PLP Projections Sr. No. Particulars 2016-17 A Farm Credit i Crop Production, Maintenance, Marketing 11268.46 ii Term Loan for Agriculture and Allied activities 6099.26 Sub Total 17367.72 B Agriculture Infrastructure 326.35 C Anciliary Activities 224.40 I Credit Potential for Agriculture (A+B+C) 17918.47 II Micro, Small and Medium Enterprises 1991.56 III Export Credit 12.00 IV Education 400.00 V Housing 1008.00 VI Renewable Energy 15.91 VII Others 2284.80 VIII Social Infrastructure 129.60 Total Priority Sector (I to VIII) 23760.34

Sectoral Share 15.91 129.60 0% 1% Crop Production, Maintenance, Marketing 1008.00 2284.80 4% Term Loan for Agriculture and Allied 400.00 10% activities 2% Agriculture Infrastructure 12.00 0% Anciliary Activities 1991.56 8% 11268.46 224.40 Micro, Small and Medium Enterprises 47% 1% Export Credit 326.35 1% Education

6099.26 Housing 26% Renewable Energy

Others

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PLP 2016-17 Nalbari District Appendix B to

Annexure I

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

District : Nalbari State : Assam

PLP Projections Sr. No. Particulars 2016-17 I Credit Poteltial for Agriculture A Farm Credit i Crop Production, Maintenance, Marketing 11268.46 ii Water Resources 745.99 iii Farm Mechanization 853.50 iv Plantation & Horticulture 488.77 v Forestry and Wasteland Development 123.35 vi Animal Husbandry - Dairy 1275.12 vii Animal Husbandry - Poultry 1101.43 viii Animal Husbandry -Sheep/Goat/Piggery 791.84 ix Fishery 660.38 x Others 58.88 Sub Total 17367.72 B Agriculture Infrastructure i Storage Facilities 271.90 Land Development, Soil Conservation, Watershed ii 36.97 Development iii Others 17.48 Sub Total 326.35 C Anciliary Activities i Agro & Food Processing Sector 196.40 ii Others 28.00 Sub Total 224.40 D Total Agriculture 17918.47 II Micro, Small and Medium Enterprises MSME - Investment Credit 1569.00 MSME - Working Capital 422.56 Total MSME 1991.56 III Export Credit 12.00 IV Education 400.00 V Housing 1008.00 VI Renewable Energy 15.91 VII Others 2284.80 VIII Social Infrastructure 129.60 Total Priority Sector 23760.34

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PLP 2016-17 Nalbari District

MAP OF NALBARI DISTRICT WITH DEVELOPMENT BLOCKS

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PLP 2016-17 Nalbari District District Profile

District - Nalbari State - Assam Division - Lower Assam Division

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 1009.57 Agro-climatic Zone Lower Brahmaputra Valley Zone No. of Sub Divisions 1 No. of Blocks 7 Climate Subtropical in nature with warm-humid summer followed by cool and dry winter No. of Villages (Inhabited) 456 Northern part of the district is clay loam soil , middle part sandy loam Soil Type No. of Panchayats 65 soil and southern part alluvial soil 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 100483 Normal 2011-12 2012-13 2013-14 Actual Forest Land Rainfall [in mm] 2127 1947 2444.68 1313.76 Area Not Available for Cultivation 12336 Variation from Normal -180 317.68 -813.24 Permanent Pasture and Grazing Land 1338 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 582 Water [Ham] NA NA NA Cultivable Wasteland 2252 5. DISTRIBUTION OF LAND HOLDING Current Fallow 723 Holding Area Classification of Holding Other Fallow 3302 Nos. % to Total Ha. % to Total Net Sown Area 71070 <= 1 Ha 37290 63.7 21487 31.72 Total or Gross Cropped Area 113916 >1 to <=2 Ha 19267 32.28 31128 45.96 Area Cultivated More than Once 42846 >2 Ha 1468 4.04 15115 22.32 Cropping Inensity [GCA/NSA] 2 Total 58025 100 67730 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 58025 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 56557 Population 769.91 395.8 374.11 687.39 82.55 Agricultural Labourers 63000 Scheduled Caste 49.86 NA NA NA NA Workers engaged in Household Industries 18000 Scheduled Tribe 22.8 NA NA NA NA Workers engaged in Allied Agro-activities 4286 Literate 79.89% 85.58% 73.85% NA NA Other workers 105723 BPL 269.28 NA NA NA NA 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 119056 Having brick/stone/concrete houses NA Having electricity supply NA Rural Households 113712 Having source of drinking water NA Having independent toilets NA BPL Households 53856 Having access to banking services 69764 Having radio/tv sets NA 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 434 Anganwadis 1055 Dispensaries 19 Villages having Agriculture Power Supply Nil Primary Health Centres 38 Hospitals 1 Villages having Post Offices/Sub Post Offices 241 Primary Health Sub-Centres 121 Hospital Beds 200 Villages having Banking Facilities 456 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 456 Fertiliser/Seed/Pesticide Outlets [Nos] 225 Agriculture Pumpsets[Nos] 7276 Villages having Primary Health Centres 38 Total N/P/K Consumption [MT] 24630 Pumpsets Energised [Nos] Nil Villages having Potable Water Supply 346 Certified Seeds Supplied [MT] NA Agro Service Centres [Nos] 12 Villages connected with Paved Approach Roads 380 Pesticides Consumed [MT] NA Soil Testing Centres [Nos] Nil 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 330 Plantation nurseries [Nos] 5 Total Area Available for Irrigation (NIA + Fallow) 21758 Power Tillers [Nos] 455 Farmers' Clubs [Nos] 84 Krishi Vigyan Irrigation Potential Created 17394 Threshers/Cutters [Nos] 2 1 Kendras[Nos] Net Irrigated Area(Total area irrigated at least once) 18760 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels Nil Rural/Urban Mandi/Haat [Nos] 13 Wholesale Market [Nos] 2 Area irrigated by Wells 15210 Length of Pucca Road [Km] 921 Godown [Nos] 1 Area irrigated by Tanks Nil Length of Railway Line [Km] 38 Godown Capacity[MT] 2000 Area irrigated by Other Sources 3550 Public Transport Vehicle [Nos] 286 Cold Storage [Nos] Nil Irrigation Potential Utilized (Gross Irrigated Area) 19780 Goods Transport Vehicle [Nos] 729 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) 60 8845 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) Nil NA Ahu Paddy 5200 4790 4930 9828 NA Fruit (Pulp/Juice/Fruit drink) 4 NA Sali Paddy 65000 143672 62000 178202 NA Spices (Masala Powders/Pastes) 26 NA Bodo Paddy 6950 18529 11000 50919 NA Dry-fruit (Cashew/Almond/Raisins) Nil NA Wheat 575 705 NA NA NA Cotton (Ginnining/Spinning/Weaving) Nil NA Mustard 5000 2960 8650 6029 NA Milk (Chilling/Cooling/Processing) Nil NA Pulses 2891 1564 NA NA NA Meat (Chicken/Motton/Pork/Dryfish) Nil NA Potato 2150 17667 4300 27617 NA Animal feed (Cattle/Poultry/Fishmeal) 1 NA Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 17. ANIMAL POPULATION AS PER CENSUS 2012 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Veterinary Hospitals/Dispensaries Category of animal Total Male Female 1 (19) Animal Markets [Nos] 4 [Nos] Milk Collection Centres Cattle - Cross bred 24.00 NA NA Disease Diagnostic Centres [Nos] Nil Nil [Nos] Cattle - Indigenous 235.50 NA NA Artificial Insemination Centers [Nos] 3(38) Fishermen Societies [Nos] NA Buffaloes 4.55 NA NA Animal Breeding Farms [Nos] Nil Fish seed farms [Nos] 18 Sheep - Cross bred 14.06 NA NA Animal Husbandry Tng Centres [Nos] Nil Fish Markets [Nos] 4 Sheep - Indigenous NA NA Dairy Cooperative Societies [Nos] Nil Poultry hatcheries [Nos] 1 Goat 188.99 NA NA Improved Fodder Farms [Nos] 2 Slaughter houses [Nos] Nil Pig - Cross bred 17.84 NA NA 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous NA NA NA Fish Production [MT](2014-15) 11340 Per cap avail. [gm/day] 32 Horse/Donkey/Camel 213.25 NA NA Egg Production [Lakh Nos](2011-12) 343.52 Per cap avail. [nos/p.a.] 24 Poultry - Cross bred NA NA NA Milk Production ['000 MT](2007-08) 26.339 Per cap avail. [gm/day] 94 Poultry - Indigenous NA NA NA Meat Production [MT](2011-12) 1037 Per cap avail. [gm/day] 4 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 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census 2012; Item Nos. 18 & 19 - Dir. of Animal Sources (if not mentioned against the Hus./Dir. of Eco. & Stat. and Vety. Deptt. respective item):

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PLP 2016-17 Nalbari District Banking Profile

District - Nalbari State - Assam Lead Bank - U CO 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/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households 5 41 18 24 Nil Nil 2837 Nil 17.18 4409.48 Commercial Banks incl.Pvt.banks

Regional Rural Bank 1 18 15 3 Nil 4 6313 Nil 31 7937.06 Urban Cooperative Bank 1 2 Nil Nil Nil Nil Nil Nil Nil Nil Coop. Agr. & Rural Dev. Bank Nil Nil Nil 1 Nil Nil Nil Nil Nil Nil 22 22 22 Nil Nil Nil Nil Nil Nil Nil Primary Agr. Coop. Society(GPSS)

2 2 Nil 2 Nil 3 429 Nil 232 39685.33 Others(Assam Cooperative Bank)

All Agencies 30 85 55 30 Nil 7 9579 Nil 10.31 2645.68 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs.'000] Agency 31-Mar-14 31-Mar-13 31-Mar-15 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) Commercial Banks N.A N.A N.A N.A N.A 8794800 9187800 10781200 17.34 70.75 Regional Rural Bank N.A N.A N.A N.A N.A 2625700 2938700 3093800 5.27 20.30 Cooperative Banks N.A N.A N.A N.A N.A 909600 1087100 1363600 25.43 8.95 Others N.A N.A N.A N.A All Agencies N.A N.A N.A N.A 12330100 13213600 15238600 15 100 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.'000] Agency 31-Mar-14 31-Mar-13 31-Mar-15 Growth(%) Share(%) 31-Mar-14 31-Mar-13 31-Mar-15 Growth(%) Share(%) Commercial Banks N.A N.A N.A N.A N.A 3745300 4622500 4892500 5.84 61.49 Regional Rural Bank N.A N.A N.A N.A N.A 1912400 2210600 2816500 27.41 35.40 Cooperative Banks N.A N.A N.A N.A N.A 203500 239100 247000 3.3 3.10 Others N.A N.A N.A N.A N.A All Agencies N.A N.A N.A N.A N.A 5861200 7072200 7956000 12.5 100 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 42.59 50.31 45.38 Commercial Banks N.A N.A N.A N.A Regional Rural Bank 72.83 75.22 91.04 Regional Rural Bank N.A N.A N.A N.A Cooperative Banks 22.37 21.99 18.11 Cooperative Banks N.A N.A N.A N.A Others Others N.A N.A N.A N.A All Agencies 47.54 53.52 52.21 All Agencies N.A N.A N.A N.A 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2014) 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 [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans Commercial Banks 3463200 70.79 1355200 27.70 N.A N.A NA NA N.A N.A Regional Rural Bank 2527300 89.73 526300 18.69 N.A N.A NA NA N.A N.A Cooperative Banks 177900 72.02 21200 8.58 N.A N.A NA NA N.A N.A Others N.A N.A NA NA N.A N.A All Agencies 6168400 77.53 1902700 23.92 N.A N.A NA NA N.A N.A 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 Target Ach'ment Ach'ment Ach[%] in [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] last 3 years Commercial Banks 1059229 470039 44.38 1858400 804900 43.31 1298900 489950 37.72 41.80 Regional Rural Bank 532357 203291 38.19 885200 342500 38.69 542100 360500 66.50 47.79 Cooperative Banks 44144 3465 7.85 94100 6700 7.12 62400 4126 6.61 7.19 Others All Agencies 1635730 676795 41.38 2837700 1154100 40.67 1903400 854576 44.90 42.31 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 Target Ach'ment Ach'ment Ach[%] in [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] [Rs.'000] [Rs. '000] [%] last 3 years Crop Loan 732926 117117 15.98 850700 277800 32.66 NA NA NA NA Term Loan (Agr) 298304 260299 87.26 307000 190229 61.96 NA NA NA NA Total Agri. Credit 1031230 377416 36.60 1157700 468029 40.43 1031200 227776 22.09 33.04 Non-Farm Sector 203000 103767 51.12 1100000 328430 29.86 542700 381800 70.35 50.44 Other Priority Sector 401500 217666 54.21 580000 357600 61.66 329500 245100 74.39 63.42 Total Priority Sector 1635730 698849 42.72 2837700 1154059 40.67 1903400 854676 44.90 42.77 9. RECOVERY POSITION 2012-13 2013-14 2014-15 Average Agency Demand Recovery Recovery Demand Recovery Recovery Demand Recovery Recovery Rec. [%] in [Rs. '000] [Rs. '000] [%] [Rs. '000] [Rs. '000] [%] [Rs. '000] [Rs. '000] [%] last 3 years Commercial Banks NA NA NA NA NA NA NA NA NA NA Regional Rural Bank 807653 195053 24.15 618426 214809 34.73 NA NA NA NA Cooperative Banks NA NA NA NA NA NA NA NA NA NA Others All Agencies NA NA NA NA NA NA NA NA NA NA

Sources : Lead Bank

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