Area Development Schemes District

राष्ट्रीय कृ षि और ग्रामीण षिकास बℂक असम क्षेत्रीय कायाालय, गुिाहाटी National Bank for Agriculture and Rural Development Regional Office G. S. Road, , - 781 006 Tel: 2313235, 2313241, Fax: 0361- 2235657 Area Development Scheme - Assam

मु奍य महाप्रबंधक के कलम से ...

अभी भी असम मᴂ कृ षि प्रथाएँ प्रमुखतः एकल फसल पर आधाररत है। जहाँ, इस पारंपररक मनस्थथतत को बदलने के ललए, अन्य क्षेत्रⴂ मᴂ ध्यान केस्न्ित करने जैसे अनेक उपाय ककए जा रहेहℂ, वहाँ पर डेयरी, सूअर पालन, बकरी पालन, मत्सथय पालन जैसे संबद्ध गततषवधधयⴂ ने ग्रामीण असम के सांथकृ ततक, सामास्जक एवं आधथकि बनावट मᴂ महत्सवपूणि भूलमका तनभाई है।

नाबाड ि ने इन अनुिंगी गततषवधधयⴂ की महत्सव को समझत े हुए, षवशेिकर तनरंतर लाभप्रद आय प्रदान करने मᴂ, असम के सभी स्जलⴂ मᴂ क्षेत्र षवकास योजनाओं के तनमािण की सुषवधा के ललए पहल की है।

इन योजनाओं के बारे मᴂ सभी हहतधारकⴂ यानी संबस्न्धत षवभागⴂ, बℂकरⴂ और गैर सरकारी संगठनⴂ के साथ लमलकर इस हदशा मᴂ संक쥍पना ककया गया एवं षवचार-षवमशि के बाद आम सहमतत से इन्हᴂ अंततम 셂प हदया गया है। षवलशष्ट पररयोजना क्षेत्रⴂ मᴂ शाखाओं की पहचान की गई है तथा अगले पाँच विⴂ अथाित 2018-19 से 2022-23 तक षवषवध क्षेत्रⴂ के तहत बकℂ कं ग योजनाएँ तैयार की गई हℂ।

सही हदशा मᴂ उठाए गए छोटे छोटे कदमⴂ को जब एकजुट कर ललया जाता है तो इससे बहुत बड़ा फकि हदखाई देता है। बकℂ कं ग योजनाओं के बारे मᴂ बतात े हुए मुझ े असीम खूशी महसूस हो रही है स्जसमᴂ असम के डये री, सूअर पालन, बकरी पालन, मत्सथय पालन और बुनाई क्षेत्र को सुषवधाजनक बनाने के ललए बकℂ रⴂ 饍वारा लगभग 셁.802 करोड़ की बड़ी रालश की पररक쥍पना की गई है।

ककसानⴂ तक आधार थतरीय ऋण प्रवाह की वषृ द्ध करने मᴂ ये बकℂ कं ग योजनाएँ लंबे समय तक सहायक हⴂगी तथा “2022 तक ककसानⴂ की आय को दोगुना करना” अधधदेश की उपलस्धध की ओरइसका प्रबल योगदान भी रहेगा। ऋणⴂ के संबंध मᴂ हो रहे गैर-तनष्पाहदत आस्थतया(एनपीए) को लेकरबℂकरⴂ की वाथतषवक शंका को नाबाडि समझता है। इस जोखखम को कम करने के ललए, नाबाड ि ने अनेक स्जलⴂ मᴂ संयु啍त देयता समूह कायिक्रम के साथ क्षेत्र षवकास योजना को लमला हदया है। क्षेत्र षवकास योजनाओं के तहत गैर सरकारी संगठनⴂ के माध्यम से पोषित संयु啍त देयता समूह लाभाथी हⴂगे, जहाँ गैर सरकारी संगठन ऋण संषवभाग की गुणवत्सता बनाये रखने मᴂ सहायता करᴂगे और उधचत अदायगी नीतत को सुषवधाजनक बनाएँगे।

मुझ े पूरा षवश्वास है कक नाबाड ि की इस पहल का पररणाम बहुत ज쥍द ही 2018-19 मᴂ शु셂 होने जा रहे बकℂ कं ग योजनाओं मᴂ हदखाई देगा। इसी सकारात्समक सोच के साथ म ℂ पूरे हदल से सभी हहतधारकⴂ को इस महान उ饍यम मᴂ सहभागी बनने के ललए आमंत्रत्रत करती हूँ।

[राजश्री के ब셁आ] मु奍य महाप्रबंधक नाबाडि, असम क्षेत्रीय कायािलय, गुवाहाटी

Area Development Scheme - Assam

From Chief General Manager’s Desk

Agriculture in Assam is still predominantly practiced in the mono-cropping mode. Although many inroads have been made in focused areas to break this traditional mindset, allied activities such as dairy, piggery, goatery and fishery, have played an important role in the cultural, social and economic fabric of rural Assam.

NABARD recognizing the importance of these allied activities, especially given the steady profitable income, has taken the initiative to facilitate formulation of Area Development Schemes in all the districts of Assam, from 2018-19 to 2022-23, under various sectors.

Small steps in the right direction make a big difference when aggregated. It gives me immense pleasure to share the Banking Plans wherein a whopping `802 crore has been envisaged by the bankers to facilitate the Dairy, Piggery, Goatery, Fishery and Weaving sectors in Assam.

These Banking Plans would go a long way in increasing the Ground Level Credit to farmers and contribute immensely towards the achievement of “Doubling of Farmers’ Income by 2022” mandate. NABARD understands the genuine apprehension of the bankers regarding loans going NPA. To mitigate this risk, NABARD has converged the Area Development Scheme with its Joint Liability Group programme in many districts. Joint Liability Groups nurtured through NGOs would be the beneficiaries under the Area Development Schemes, wherein the NGOs would help in maintaining the quality of the loan portfolio and facilitate good repayment ethics.

I am confident this initiative of NABARD will culminate into the Banking Plans being launched soon in 2018-19. On this positive note, I welcome all the stakeholders to wholeheartedly participate in this noble venture.

[Rajashree K Baruah] Chief General Manager NABARD, Assam Regional Office Guwahati

GOAT FARMING

Area Development Scheme - Goat Farming Barpeta District Area Development Scheme on Goat Farming

1. Introduction

Goat rearing plays an important role in the national economy. It provides gainful employment and income to the weaker sections, especially, the rural poor. Goat is probably the only animal which is bred for multiple objectives, viz., meat, skin, milk, manure and hair. Due to versatile characteristics and utilization, goat is often called ‘poor man’s cow’ in . Goat meat is usually low in fat and commonly called chevon. Goat meat is preferred mutton in India. Being the principal meat producing animal in India, goat meat is commonly preferred to other meats with better prices irrespective of caste and religion. There is good demand for mutton and the agro-climatic condition is also suitable for goat rearing.

06 Area Development Schemes have been prepared by NABARD in six districts viz., Baksa, Barpeta, Chirang, Darrang, and to increase the flow of credit and to accelerate the pace of capital formation in agriculture, especially, under Animal Husbandry sector and also to ensure farmers to take up income generating activities on a sustainable basis. The schemes will be implemented under the guidance of respective District Administrations, in association with DRDA, ASRLM, Animal Husbandry & Veterinary Department, RSETI, Krishi Vigyan Kendra, NGOs and the branches of associated banks in each district.

2. Forward & Backward Linkages

The population of Goat in the state is 62 lakh as per 19th Livestock Census, 2012. The Department of Veterinary & Animal Husbandry is providing health cover, Artificial Insemination (AI) facilities and extension services. There are 458 hospitals/dispensaries, 684 Disease Diagnostic Centres, 31 Artificial Insemination Centres/First Aid Centres. Good quality milch animals and in particular Cross Bred (CB) Cows are not available in adequate numbers in the state. Artificial Insemination (AI) facilities are available in the veterinary dispensaries.

Field Management Committees/SHGs are involved in creating awareness about AI and disadvantage of natural service with Ram/Buck, health care, scientific calf rearing system, feeding management, role of castration, promotion of stall feeding and fodder cultivation etc. Although green fodder is available locally, concentrate feed is in short supply. Reliable data on availability of green fodder, dry fodder and concentrate feed are not available. Under ARIASP/ AACP, fodder nurseries have been developed in different parts of the state, the quantity of fodder produced is far below the green fodder & dry fodder required for milch

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Area Development Scheme - Goat Farming Barpeta District animals in the district. Rice husk etc., are used by the farmers as fodder. As per GOI norms, 1 veterinary dispensary is required for 5000 adult units and 1 AI centre for 1000 breedable animals.

3. Selection of Area

Taking into consideration the availability of veterinary health care, reasonable grazing land, fodder availability, marketing facilities and suitability for rearing of goat etc., select blocks of 6 districts viz., Baksa, Barpeta, Chirang, Darrang, Nalbari and Tinsukia have been identified for the purpose of implementation.

4. Selection of Beneficiaries

The scheme is aimed to ensure credit from banking system for the individuals/Self Help Groups [SHG] and Joint Liability Group members. In case of SHGs, the SHGs may be selected based on their grading and past activities. It is proposed to allocate the female animals to the interested members of the group proportionately, who desire to avail loan facility for undertaking income generating activities. The male animals are proposed to be treated as the property of the SHG and members availing loan facility out of the scheme may use the same free of cost, for breeding purpose of the animals.

5. Capacity Building of Beneficiaries

Traditionally goat is reared in most of the rural areas using traditional methods. Since Black Bengal and Assam Hill Goat are proposed under the scheme, it is necessary to rear it scientifically for better results. The beneficiaries are required to be given adequate training on scientific rearing and feeding of the animals. Accordingly, adequate training programmes for the group leaders of the SHGs may be arranged through RSETI/KVK/NGOs etc. Financial support for such training programmes may be provided by NABARD/ASRLM and other agencies on need basis. The trainers are expected to guide the SHG members for proper rearing of the goat

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Area Development Scheme - Goat Farming Barpeta District 6. Techno-Economic Assumptions

A. Cost Chart

Sl. No. Particulars Physical Unit

Black Bengal / Assam Hill Goat/ Breed Black Bengal Crosses 1 Semi-intensive system based on System of rearing grazing with feeding limited ration Feed Requirement No. of Animals No of Buck (No.) 1 or 2 1 No of Does (No.) 3 or 10 10 2 Stage at which the animal is bought (Months) 8 Cost of Breeding stock – Buck 6000 Cost of Breeding stock – Doe 4000 3 Cost of Equipment ( `/Animal) 0.00 Housing Shed - Area (Sq. Ft.) 270 4 Open Area (Sq Ft) 190 Family labour used for housing (lump sum `) 0.00 Feed Requirement Buck (Kg/Animal/Month) 7.50 Doe (Kg/Animal/Month) 6.00 Kids (up to 4 months) (Kg/Animal/Month) 2.25 Kids (4 to 8 months) (Kg/Animal/Month) 3.75 Cost of Cultivation of Fodder (`/Year) 0.00 5 Roughages through grazing/browsing/fodder (%) 80.00 Cost of grazing/browsing 0.00 Concentrate Feed (%) 20.00 Cost of Concentrate ( ` /Kg) 25.00 Feed Cost under project assumed to be supplied by the farmers from their own resources and hence not capitalised in the project cost 6 Insurance Premium (%) 1 Year (5%) 3 Years (7%) 5.00 Technical Specifications Pregnancy Period ( Months) 5.00 Lactation Period ( Months) 5.00 7 Litter size 1.50 Mortality among kids (%) 20.00 Mortality among Adults (%) 10.00 Age at Maturity (Months) 9.00

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Area Development Scheme - Goat Farming Barpeta District

Sl. No. Particulars Physical Unit Medicines and Overheads 8 Veterinary Aid (`/Year) 1700.00 Financial and Banking Specifications Age of Kids at Sale (months) 8.00 Weight of Kids at Sale (Kg) 15.00 Rate of Kids at sale (`/Kg) 300.00 Price of Kids at Sale ( `) 4500.00 Salvage Value of all animals / Value of closing stock 9 106000.00 (lumpsum `) Margin (%) 15.00 Interest Rate (%) 12.00 No. of Days in a Year 360.00 Repayment Period (5 to 7 Years) 5.00 Percent Net Income to beneficiary(Above 30% ) 50.00

B. Flock Projection Chart

Year All Batches 1 2 3 4 5 6 Adult Bucks Months 12 12 12 12 12 12 Adult Does Months 120 120 120 120 120 120 Kids (up to 4 Months) Months 56 56 112 56 112 56 Kids (4 to 8 Months) Months 0 96 48 96 48 96 Sale of Kids (no) 0 19 29 29 28 29

C. Feed Chart

Concentrate Feeding Quantity Cost Sl. No. Particulars (Kg / animal/month) (`/animal/Month) 1 Buck 1.5 38 2 Doe 1.2 30 3 Kids (up to 4 months) 0.45 11 4 Kids (4 to 8 months) 0.75 19

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Area Development Scheme - Goat Farming Barpeta District 7. Partners in Implementation of the Project

For successful implementation of the programme, the roles of various agencies/stake holders are indicated below:

Sl. No. Agency Role of the Agency 1 NABARD  Preparation & launching of Area Development Scheme.  Coordinating implementation of the scheme in association Banks and other agencies.  Facilitate formation of JLGs/SHGs (non-intensive blocks) and capacity building of beneficiaries of the scheme & credit linkage. 2 NGOs as Self Help Group  Identification of beneficiaries. Promoting Institutions /  Formation of SHGs (only in non-intensive blocks) / JLGs Joint Liability Group  Arrange training of members of SHGs/JLGs interested in Promotion Institutes Goat Rearing.  Guiding SHGs/JLGs for credit linkage with Banks. 3 Branches of Bank  Extending credit for various activities under Goat rearing as per the plan outlined in the scheme. 4 Department of Animal  Provide the benefits of various schemes to the beneficiaries Husbandry & Veterinary of the area development scheme.  Training to the beneficiaries on scientific Goat rearing in the cluster of villages covered under the scheme. 5 RSETI / KVK  Capacity building programmes.  Facilitate support services. 6 District Administration /  Launching the scheme in the DCC meeting. DCC  Review the progress of the scheme implementation regularly in the DCC meetings.  Ensuring convergence of benefits of various schemes supporting fisheries activities in the villages covered by the scheme in the district.

8. Project Cost for Goatery Unit of 10F+1M (Amt. in `) No of Unit in Unit with Cost ` / Unit Animals existing shed new shed

Purchase of does 10 4000 40000 40000 Purchase of buck 1 6000 6000 6000 Cost of construction of shed Lumpsum 15000 Insurance cost 2300 2300

Miscellaneous 1700 1700 Total 50000 65000

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Area Development Scheme - Goat Farming Barpeta District 9. Banking Network and Trends in Credit Flow

The banking network in the State, as on 31 March, 2017, comprised of 33 Commercial Banks [24 Public Sector Commercial Banks and 09 Private Sector Commercial Banks]; 2 Regional Rural Banks and Assam Cooperative Apex Bank [ACAB]. Banking services in the State are provided through a network of 2396 branches, of which, 1771 branches [74%] are rural/semi-urban branches. State Bank of India is the Convenor of the State Level Bankers’ Committee [SLBC] and is also the Lead Bank in 7 districts of the State. Two other banks viz., United Bank of India and UCO Bank also have Lead Bank responsibilities in 15 and 11 districts respectively. The CD Ratio in the State stood at 47.26%. Credit dispensation through these Area Development Schemes would help in increasing the CD Ratio favourably upto the desired benchmark of 60%.

10. Physical and Financial Programme

Bank-wise and Block-wise physical and financial programme for five years i.e., 2018-19 to 2022-23 is as under: ( ` in lakh) Name of Bank Total Phy Units Financial AGVB 450 292.5 UCO Bank 150 97.5 Union Bank of India 150 97.5 Total 750 487.5

District-wise details with Block and Bank branches are given in the subsequent Annexures.

11. Project Profitability

The expected income for six years is indicated below: (Amt. in `) Year Year Year Year Year Year Particulars I II III IV V VI Sale of Kids 0 85500 130500 130500 126000 130500

Sale of Manure Value of closing stock 106000 Total Income 0 85500 130500 130500 126000 236500 Expenditure Amount of Feed Adult Bucks Months 90 90 90 90 90 90

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Area Development Scheme - Goat Farming Barpeta District

Year Year Year Year Year Year Particulars I II III IV V VI Adult Does Months 720 720 720 720 720 720

Kids (up to 4 Months) Months 126 126 252 126 252 126

Kids (4 to 8 Months) Months 0 360 180 360 180 360 Sub Total 936 1296 1242 1296 1242 1296 Feed Cost 23400 32400 31050 32400 31050 32400 Cost of Cultivation of Fodder 0 0 0 0 0 0 Veterinary and other Expenses 1700 1700 1700 1700 1700 1700 Insurance 2300 5300 5300 5300 5300 5300 Total Expenditure 27400 39400 38050 39400 38050 41992 Less Capitalised Expenditure 4000 Total Expenditure after netting 23400 39400 38050 39400 38050 41992 Capitalised expenditure Gross Surplus 0 46100 92450 91100 87950 194508

12. Financial Analysis

Financial analysis for six years is indicated below: (Amt. in `) Cash flow & Year Year Year Year Year Year Calculation of IRR I II III IV V VI Investment Cost 65000 0 0 0 0 0 Recurring Cost 23400 39400 38050 39400 38050 41992 Total Cost 88400 39400 38050 39400 38050 41992 Income 0 85500 130500 130500 126000 236500 Net Income -88400 46100 92450 91100 87950 194508 NPW of Total Cost @ 15% 76870 29792 25018 22527 18918 18154 191279 NPW of Income @ 15% 0 64650 85806 74614 62644 102245 389960 NPW of Net Income @ 15% -76870 34858 60787 52087 43727 84091 198681 Benefit Cost Ratio 2.04 IRR 56.5%

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Area Development Scheme - Goat Farming Barpeta District 13. Sensitivity Analysis

The sensitivity analysis is done assuming 5% increase in cost and 5% decrease in benefits, NPV, BCR and IRR. The details are indicated below: (Amt. in `) Year Year Year Year Year Year

I II III IV V VI Total Cost after 5% increase 92820 41370 39953 41370 39953 44092 Total Income after 5% reduction 0 81225 123975 123975 119700 224675 Net Income -92820 39855 84022 82605 79747 180583 NPW of Total Cost @ 15% 80713 31282 26270 23653 19864 19062 200844 NPW of Income @ 15% 0 61418 81516 70883 59512 97133 370462 NPW of Net Income @ 15% -80713 30136 55246 47230 39648 78071 169618 Benefit Cost Ratio 1.84 IRR 47.1%

14. SWOT Analysis  Strengths: . Demand profile: Absolutely optimistic . Huge & growing market . Availability of affordable and skilled manpower  Weaknesses: . Poor quality of animal . Scattered and low farm output . Inadequate procurement logistics . Poor AI service net-work . Poor access to organized markets deprive farmers of proper price  Opportunities: . Alternate employment in rural area . A huge untapped market for processed products . Proximity to high demand market . Growing purchasing power. . Availability of grazing land  Threats: . Disease outbreak

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Area Development Scheme - Goat Farming Barpeta District 15. Repayment Period

A. Bankability of the Project (Amt. in `) Year Year Year Year Year Particulars I II III IV V Unit Cost 65000 15 Margin (%)

Bank Loan 55250 Rate of Interest (%) 12 Loan O/S at the beginning of the year 55250 61880 54145 36097 18049

Accrual of interest 6630 7426 6497 4332 2166

Gross Surplus 0 46100 92450 91100 87950

Repayment of Interest 0 7426 6497 4332 2166

Repayment of Principal 0 7735 18048 18048 18049

Loan O/S at the end of the year 61880 54145 36097 18049 0

Total Outgoing 0 15161 24545 22380 20215

Net Surplus 0 30939 67905 68720 67735

B. Repayment Schedule (Amt. in `)

Year Income Expenses Gross Surplus EMI Instalments Net Surplus

I II 85500 39400 46100 15161 30939 III 130500 38050 92450 24545 67905 IV 130500 39400 91100 22380 68720 V 126000 38050 87950 20215 67735

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Area Development Scheme - Goat Farming Barpeta District 16. Implementation and Monitoring

The Area Development Scheme [ADS] will be implemented and monitored through the following mechanism:

 The ADS will be placed before the DCC for approval.  A sub-Committee may be formed within the DCC comprising OF LDM, DDM, financing Banks, Animal Husbandry & Veterinary Dept., ASRLM, RSETI, KVK etc., for review the progress at district level and block level review will be done at the BLBC meetings.  Involvement of stakeholders’ agencies in review meetings for ensuring the extension of support services committed by them.  District level stakeholders workshop may be conducted for sensitization of Bankers/Line department officials and other stake holders.

17. Conclusion

The ADS is likely to encourage SHG/JLG members and individuals to undertake income generating activities in a planned manners. Since the project is also proposed to be implemented through SHG/JLG approach, continuous monitoring will be done by the ASRLM/NGO associated with the programme as SHPI/JLPI, which will encourage bankers to extend credit to the SHGs. Continuous monitoring from all stake holders proposed in the scheme will ensure better investment of bank credit, which will definitely enable beneficiaries to realise sufficient income from the scheme.

It is also proposed that the beneficiaries of the scheme may be encouraged to form Farmers’ Producers Organisation (FPO) to address the issue of regular quality inputs supply and realization of adequate prices for their produce by eradicating the presence of middlemen in the marketing chain.

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Area Development Scheme - Banking plan on Goat Farming Bank wise and Block wise targets - Physical and Financial

Name of the District : Barpeta

Physical Units in Nos. and Financial in ` lakh Unit Cost ( ` in lakh ) 0.65

2018-19 2019-20 2020-21 2021-22 2022-23 Total Name of Block Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Barpeta 40 26.00 40 26 40 26 40 26 40 26 200 130 Bhowanipur 35 22.75 35 22.75 35 22.75 35 22.75 35 22.75 175 113.75 Bojali 40 26.00 40 26 40 26 40 26 40 26 200 130 Chakchaka 35 22.75 35 22.75 35 22.75 35 22.75 35 22.75 175 113.75

Total 150 97.5 150 97.5 150 97.5 150 97.5 150 97.5 750 487.5

Unit Cost ( ` in lakh ) 0.65

2018-19 2019-20 2020-21 2021-22 2022-23 Total Name of Block Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial AGVB 90 58.5 90 58.5 90 58.5 90 58.5 90 58.5 450 292.5 UCO Bank 30 19.5 30 19.5 30 19.5 30 19.5 30 19.5 150 97.5 Union Bank of India 30 19.5 30 19.5 30 19.5 30 19.5 30 19.5 150 97.5 Total 150 97.5 150 97.5 150 97.5 150 97.5 150 97.5 750 487.5

Consolidated

Total Name of Bank Total Name of Block Phy Units Financial Phy Units Financial Barpeta 200 130.00 AGVB 450 292.5 Bhowanipur 175 113.75 UCO Bank 150 97.5 Bojali 200 130.00 Union Bank of India 150 97.5 Chakchaka 175 113.75 Total 750 487.5 Total 750 487.5

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FISH FARMING

Area Development Scheme – Fish Farming Barpeta District Area Development Scheme on Fish Farming

1. Introduction

Agriculture is the mainstay of Barpeta District. About 80% of the rural population depends on agriculture and allied activities. The number of marginal farmers (holding upto 1 ha) and small farmers (holding 1-2 ha) constitutes 59.73% and 18.64% of total cultivators respectively. Average farm size is about 1.72 hectares. The cropping intensity in the district is 117 percent. The net area irrigated is about 3844 ha. The traditional crops are paddy, potato, vegetables, pulses; and paddy as the principal crop and covers maximum of the gross cropped area.

Animal Husbandry, Dairying and Fisheries sectors play an important role in the local economy and in the socio-economic development of the district. These sectors also play a significant role in supplementing family incomes and generating gainful employment in the rural area, particularly, among the landless laborers, small and marginal farmers and women, besides providing cheap nutritional food. The district has the following water bodies that can be utilized to enhance income level of the people- Particulars Available No. Area (Ha) Pons & Tanks 22333 4142.27 Beel Fisheries 54 2342.2 River Fisheries 9 4135.1 Paddy Field-cum-Fish Culture - 1841.8 Low Lying Area 103 1393 Others - 1425.5 TOTAL 22499 15279.9 (Source: Dept. of Fisheries, GoA, Barpeta) This Area Development Scheme has been prepared by NABARD, Assam Regional Office to increase the flow of credit to accelerate the pace of capital formation in agriculture especially under Fishery sector in Barpeta district. The scheme will be implemented under the guidance of Barpeta District Administration, in association with the Department of Fisheries Department, RSETI, Krishi Vigyan Kendra, NGOs and the branches of associated banks in Barpeta and Bhowanipur blocks of Barpeta district during 2018-19.  The objectives of the scheme are -  To form large number of JLGs in the identified blocks district.  To increase ground level credit flow to fisheries sector in the district.  To favour organized growth of fisheries sector in the district.

 Details of the scheme are given below.  Block covered : Barpeta & Bhowanipur  NGO as JLPI : Pakka Rural Development Society  Bank : Assam Gramin Vikash Bank, UCO Bank & Union Bank  Number of JLGs proposed : 120 12

Area Development Scheme – Fish Farming Barpeta District 2. Forward & Backward Linkages The present fish production of 20837.45 MT (2016-17) of the district is above its demand of 18150 MT. The district has surplus production as compared to its population. The district produces 8326.34 million fish seeds. There are 29 number of fishermen cooperatives in the district with around 36227 population dependent on fish farming. The fish production in the district has seen a constant growth.

In the identified Blocks of Barpeta and Bhowanipur, the existing available infrastructure i.e., No. of ponds, Area covered, fish farmes, production etc. are indicated below:

Particulars Barpeta Bhowanipur Number of Ponds 2533 6040 Water Area (ha) 404.50 1213.75 Number of Fish Farmers 2346 5028 Total Production (MT) 1112 2427.50 Number of Wholesale/Regular Fish 10 9 Market a. Infrastructure and Linkage Support Available The District Fisheries Office is the nodal agency for overall development of the sector. They are engaged in identification, training, and coordination with stakeholders and implementation of various promotional schemes. There are 69 hatcheries with a production capacity of 8326.34 MT. The district has one wholesale market and 8 Registered Fish markets. Promotional schemes like RKVY, NMPS, NFDB assisted schemes, Neel Kranti, SAMPDA, and Mastya Jagaran are under implementation. An amount of ` 64.65 lakh has been sanctioned Under RIDF for Development of Bahuatava Beel in the district.

3. Selection of Area Taking into consideration the suitability of area for taking up fish farming activity, number of people engaged in fish farming for their livelihood support, available infrastructure (i.e. hatcheries, nurseries, Fish seed farms), marketing facilities etc., it is proposed that the scheme may be implemented in Bhowanipur and Barpeta Blocks in a cluster mood initially, which can also be extended to other blocks in future.

4. Selection of Beneficiary Since majority of the existing ponds are smaller in size, the scheme is proposed to be implemented through JLG approach. Farmers/individual entrepreneurs as members of JLGs or individuals may be made eligible for diversified activities under the programme. A Selection Committee may be formed comprising LDM, Dist. Fisheries officer, DDM–NABARD and Branch Managers of the financing banks for selection of beneficiaries under the scheme.

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Area Development Scheme – Fish Farming Barpeta District 5. Training/Capacity Building of the Beneficiaries

Traditionally fish farming in practiced in most of the rural areas using traditional method. Since, the aim of the project is to encourage farmers to take up fish farming scientifically for increasing production and profitability, it is planned to provide adequate training on modern fish farming methods through various agencies. Accordingly, training programme for the members of the JLGs may be arranged through RSETI/KVK/NGO etc. Financial support for such training programme may be provided by NABARD/KVK/Fisheries Dept. and other agencies on need basis.

6. Techno Economic Assumptions

Soil: Soil is the major component for scientific fish farming. It facilitates not only retention of desired level of water but also enrich water with desired nutrient for biological production and maintain biological equilibrium. The area proposed for taking up the activity have a soil of clay-loan soil with a pH of 6.5-7.3 which are ideal for construction of fish ponds.

Water Quality: Pollution free quality is the prime need for taking up fish farming. It is desirable to maintain 1.5m to 2.5m water level with a pH of 7.5 to 8.3 and dissolved oxygen more than 3 ppm. The source of water should be free from pollution and cost effective.

Flood prone Zone: In order to avoid damage to the pond dyke and other asets, siltation of pond and above all loss of fish stock, area having incidence of flood are avoided. The area proposed under the scheme do not come under flood zone.

Pond Renovation: Planning and designing of the pond in a farm is most basic aspect for successful operation of farm. Since only existing ponds are covered under the scheme, renovation of ponds, pond preparation involves dewatering, desilting, repairs of dykes, weed and predator free and provision of adequate natural food are to made to ensure high rate of survival and good growth and thereby high yield.

Stocking: Ponds are tube stocked with seeds of appropriate size after acclimatizing them to the new habitat when it is ready after fertilization, ensuring no toxicity and oxygen balance. Fish seeds of 60 – 100 mm are preferred over smaller size seeds. In smaller ponds even smaller fry of 30-40mm may be stocked provided the water is free from predator. With an aim to achieve a production level of 4500 kg/ha, the stocking density will be maintained at 4500/ha. In order to maximize the level of production through judicious utilization of available in various tropic level of the waterbody, combination of surface feeders, column feeders and bottom feeders would be combined. The proposed six species combination would be maintained to ensure 35% surface feeders (Catla/Silvercarp), 30% column feeders (Rohu/Grass carp) and 35% bottom feeders (Mrigal/common carp). Ideally fish ponds will be stocked with fingerlings with a stocking density of fingerling/ha.

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Area Development Scheme – Fish Farming Barpeta District Feeding Management: On account of higher stocking rate, in addition to the natural feed, there is a need for supplementary feeding. Daily feeding @ 2-3% of the body weight with a mixture of rice polish and ground nut oil cake or mustard cake (1:1) is most important step in culture in pond. Based on the availability and cost, quality fish feed available in the market may be provided. It is advisable to feed them in bamboo baskets placed at different places of the pond with a feeding frequency of 2-3 times a day. Harvesting: Based on the availability of seed, the culture can be taken up either all-in or all-out method of multiple stocking and multiple harvesting. In case of first method, fishes would be harvested at the end of a culture period of 8 – 10 months. In case of second one, intermittent harvesting to be taken up to take our large size fishes followed by stocking of advanced seeds which may lead to optimize the level of production. In the present scheme, we propose to follow the first method i.e. annual harvesting. However, in order to monitor the growth, trial netting will be taken up on a monthly basis. Scope for integration with farming system/species combination: Under the scheme, in suitable locations, integration with horticulture (vegetables) can be taken up to optimize the use of area and to supplement the income level. Based on the location suitability and entrepreneurs integration of pisciculture with Poultry or Dairy can be tried. However, for establishing the viability of the project, income of pisciculture is taken into account.

7. Project Cost for Fish Culture Unit

Indicative cost of composite fish culture (renovation of existing pond (0.5m))– 1 bigha area (Amt. in `) Sr. Rate Particulars Units Quantum Total No. (`) A Capital Cost Renovation of existing ponds 1 cum 536 110 58,960 (cost of excavation) Weed eradication and removal 2 mandays 6 240 1,440 of predators 3 Dewatering using pump Hour 12 105 1,260 4 Nets and other implements LS 2,500 Miscellaneous /Others (inc. water testing 5 1 6,000 kit) Total "A" 70,160

B Recurring cost (per cycle) Units Quantum Rate Total

Pond preparation/ Drying, 1 1 bigha 1 LS 2,500 desilting and ploughing 2 Lime kg 100 15 1,500

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Area Development Scheme – Fish Farming Barpeta District Sr. Rate Particulars Units Quantum Total No. (`) 3 Single Super Phosphate kg 20 8.6 172 4 Urea kg 70 5.7 399 5 Raw Cow Dung LS 1000 0.6 600 6 Fish Seed Nos 800 ` 8/seed 6,400

7 Fish Feed including transport kg 300 15 4,500 9 Harvesting charges LS 4,000

10 Insurance Premium (asset+ crop) LS 4,000

11 Miscellaneous / Others LS 2,000 Total "B" 26,071 Unit Cost A +B 96,231

8. Financing Agencies The project is to be implemented through close co-ordination with the banks in the district. The bank branches of AGVB, UCO and Union Bank of India operating in the project area will be providing finance to these units. The total programme shall be divided among the branches as per their area of operation. The banks would be members of the district level monitoring and review committee.

9. Subsidy Subsidy if any available from State Govt/ NFDB/ MPEDA may be treated as margin provided by the fish farmer. The short term credit need of existing forms will be sourced through KCC which will be available at low cost and eligible for interest subvention.

10. Banking Network and Trends in Credit Flow There are 16 bank branches of 09 Public sector banks operating in the identified blocks of the district. GPs of the South Development block. The Lead Bank of the district is UCO bank. The CD ratio of the district as a whole was 49% in FY 2016-17 with the total deposit outstanding of ` 2789 Cr. and total advance outstanding of ` 1030 Cr. 11. Physical and Financial Programme Block-wise and Bank-wise physical and financial programme for five year i.e. 2018-19 to 2022-23 are as under: (` in lakh) Total Name of Bank Phy Units Financial AGVB 410 393.6 UCO 145 139.2 Union Bank 145 139.2 Total 700 672 16

Area Development Scheme – Fish Farming Barpeta District 12. Project Profitability The projected profitability of the project for six years is as below (yearly) Sr. No. Particulars Unit Year 1 Years 2-6 1 Survival of fingerlings % 75 75 2 Average size at harvest Kg 0.80 1 3 Total Production Kg 480 600 4 Farm gate sale price ` /Kg 130 130 5 Gross Income ` 62400 78000

13. Financial Analysis The financial analysis for a period of six years is detailed below (Amt. in `) Year Year Year Year Year Year Particulars I II III IV V VI 1. Fixed Costs - 70,160 2. Recurring Costs 26,071 26,071 26,071 26,071 26,071 26,071 Total Cost 96,231 26,071 26,071 26,071 26,071 26,071 1. Income from sale of fish 62400 78000 78000 78000 78000 78000 2. Net Income -33,831 51,929 51,929 51,929 51,929 51,929 3. NPV Costs @ 15% DF 83,679 19,713 17,142 14,906 12,962 11,271 4. NPV Benefits @ 15% DF 54,261 58,979 51,286 44,597 38,780 33,722 5. NPV @ 15% DF -29,418 39,266 34,144 29,691 25,818 22,450 6. BCR 1.76:1 D. IRR More than 50% The repayment period may be arrived at based on the cash flow.

14. Sensitivity Analysis A. By assuming 10% increase in cost, NPV, BCR and IRR are worked out (Amt. in `) Sr. Years / I II III IV V VI No. Particulars Total cost after 10% i 105854 28678 28678 28678 28678 28678 increase ii Total benefits 62400 78000 78000 78000 78000 78000 iii NPV Costs @ 15% DF 92,047 21,685 18,856 16,397 14,258 12,398 NPV Benefits @ 15% iv 54,261 58,979 51,286 44,597 38,780 33,722 DF - v NPV @ 15% DF 37,294 32,430 28,200 24,522 21,323 37,786 vi BCR 1.60:1 vii IRR 83%

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Area Development Scheme – Fish Farming Barpeta District B. By assuming 10% decrease in benefits, NPV, BCR and IRR are worked out (Amt. in ` ) Sr. Years / I II III IV V VI No. Particulars i Total cost 96231 26071 26071 26071 26071 26071 Total benefits after ii 56160 70200 70200 70200 70200 70200 10% reduction NPV Costs @ 15% iii 83,679 19,713 17,142 14,906 12,962 11,271 DF NPV Benefits @ 15% iv 48,835 53,081 46,158 40,137 34,902 30,349 DF v NPV @ 15% DF -34,844 33,368 29,016 25,231 21,940 19,078 vi BCR 1.59:1 vii IRR 80%

C. By assuming 5% increase in cost and 5% decrease in benefits, NPV, BCR and IRR are worked out (Amt. in ` ) Years / Sr. No. I II III IV V VI Particulars Total cost after 5% i 101043 27375 27375 27375 27375 27375 increase Total benefits after ii 59280 74100 74100 74100 74100 74100 5% reduction NPV Costs @ 15% iii 87,863 20,699 17,999 15,651 13,610 11,835 DF NPV Benefits @ iv 51,548 56,030 48,722 42,367 36,841 32,035 15% DF v NPV @ 15% DF -36,315 35,331 30,723 26,715 23,231 20,201 vi BCR 1.60:1 vii IRR 82%

15. Repayment Period

The rate of interest @12% of bank loan is presumed. If income in Year I is less, a grace period of 1 year maybe allowed i.e. no Principal repayment in the 1st year. Considering renovation of existing pond, no grace period is assured for calculation of repayment schedule. (Amt. in `) Gross Bank Net Year Income Expenses Surplus Repayment Surplus I 62400 19,246 43,154 21,357 21,797 II 78000 26,071 51,929 21,357 30,572 III 78000 26,071 51,929 21,357 30,572 IV 78000 26,071 51,929 21,357 30,572 V 78000 26,071 51,929 21,357 30,572 VI 78000 26,071 51,929 21,357 30,572

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Area Development Scheme – Fish Farming Barpeta District

16. Implementation and Monitoring

The ADS will be implemented and monitored through the following mechanism.

i) The ADS will be placed before the DCC for approval. ii) Once the ADS is approved in the DCC, Branch-wise allocation will be done in consultation with all stake holder at BLBC meetings iii) A sub-Committee may be formed within the DCC comprising LDM, DDM, financing Banks, Fisheries Dept./RSETI/KVK etc. for review the progress at district level and Block level review may be done at all BLBC meetings iv) Involvement of stakeholders’ agencies in review meetings for ensuring the extension of support services committed by them. v) District level stakeholders workshop may be conducted for sensitization of Bankers/Line department officials and other stake holders.

17. Conclusion

As per recent trend, credit towards financing of fisheries units by the banks are not encouraging because of various reason. The ADS is likely to encourage farmers to adopt scientific methods of farming for increasing the production and productivity. Since the project is proposed to be implemented mainly through JLG mode, in addition to credit for individual borrowers. Continuous monitoring will be done by the NGO associated with the programme as JLPI and other agencies involved in the scheme, which will encourage bankers to extend credit towards fisheries sector, which will enable fish farmers to avail credit from formal banking system. The will also increase the level of term loan towards agriculture.

It is also proposed that the beneficiaries of the scheme may be encouraged to form Farmers Producers Organization (FPO) to address the issue of quality supply of inputs regularly and realization of adequate price for their produce by eradicating the presence of middlemen in the marketing chain.

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Area Development Scheme - Banking plan on Fish Farming Bank wise and Block wise targets - Physical and Financial

Name of the District : Barpeta Unit Cost( ` in lakh) 0.96 Physical Units in Nos. and Financial in ` lakh

2018-19 2019-20 2020-21 2021-22 2022-23 Total Name of Block Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Barpeta 50 48.00 75 72 75 72 75 72 75 72 350 336.00 Bhowanipur 50 48.00 75 72 75 72 75 72 75 72 350 336 Total 100 96 150 144 150 144 150 144 150 144 700 672

Unit Cost( ` in lakh) 0.96

Name of Bank 2018-19 2019-20 2020-21 2021-22 2022-23 Total Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial Phy Units Financial AGVB 50 48 90 86.4 90 86.4 90 86.4 90 86.4 410 393.6 UCO 25 24 30 28.8 30 28.8 30 28.8 30 28.8 145 139.2 Union Bank 25 24 30 28.8 30 28.8 30 28.8 30 28.8 145 139.2 Total 100 96 150 144 150 144 150 144 150 144 700 672

Consolidated

Total Total Name of Block Name of Bank Phy Units Financial Phy Units Financial Barpeta 350 336.00 AGVB 410 393.6 Bhowanipur 350 336.00 UCO 145 139.2 Total 700 672 Union Bank 145 139.2 Total 700 672

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