PLP 2016-17 District: Devbhoomi Dwarka 1 EXECUTIVE

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PLP 2016-17 District: Devbhoomi Dwarka

EXECUTIVE SUMMARY

A. Introduction Devbhoomi Dwarka is primarily an agricultural district with Ground Nut as the predominant crop. The other major crops cultivated are Cotton, Cumin, Gram, Coriander, Wheat, Til , Garlic and Onion etc. About 48% of land holdings are with small and marginal farmers and the average size of the holdings is 2.76 Ha.

The Potential Linked Credit Plan (PLP) for 2016-17 has been prepared aligning with the revised RBI guidelines on Priority Sector Lending. It estimates credit flow of Rs 86048.17 lakh, of which, Crop Production sector has a major share of 81.63% at Rs.70247.42 lakh. Term loan under agriculture is assessed at Rs 8744.28 lakh accounting for about 10.16 % of total PSL.Under MSME, Rs.3939.80 lakh has been assessed as potential forming 4.5 % and balance at Rs 3116.67 lakh has been estimated for other sectors like Export credit , Education, Housing, etc. The activity-wise and block-wise assessment of potential is presented in Annexure I.

The PLP projection for 2016-17 is higher by Rs.13987.97 lakh when compared to the PLP for the year 2015-16 representing an increase of 19.41 %. Further, the PLP projection is higher by Rs 10962.03 lakh when compared to the ACP target for the year 2015-16.

Suggested action Points in respect of major sectors and infrastructure/non-credit inputs are as under:

B. Sector-wise comments on major sectors

1. Crop Production, Maintenance and Marketing The district with gross cropped area of 247678 ha has a cropping intensity of 104%. The net sown area is 238370 Ha. The land holding indicates 43238 land holders (small and marginal farmers) having land upto 2 hectares and 46518 land holders (medium sized) having holding between 2 to 10 Hectares. There is urgent need for popularization of micro irrigation techniques among farmers and improvement in quality extension services to farmers by state department. There a greater need for creating awareness among farmers for soil & water analysis for application of balanced nutrients as well judicious use of fertilizer. Banks may adopt Rupay KCC as an effective credit delivery mechanism and educate the farmers to subscribe to crop insurance schemes.

2. Water Resources and Land Development

The district is devoid of perennial rivers. The rivers in Devbhoomi Dwarka district are seasonal. There are 2 medium and 13 minor irrigation projects in the district which have capacity to provide irrigation to 11290 ha of command area. The major proportion of irrigation is done through dug wells. Artificial recharge measures through construction of rain water harvesting structures like rain water storage tanks, percolation tanks, farm ponds, check dams etc. will have to form an integral part of the minor irrigation development. Department of Agriculture may organise farmers’ meet to promote micro irrigation scheme for Ground Nut and Cotton through GGRC with bank loans as these two crops occupies major land share. Govt may consider inclusion of pressure irrigation technique under Sauni Yojana for provision of irrigation water to field from distributory & field channels. The installation of micro irrigation system may be pre condition for the beneficiaries for availing irrigation for judicious use. There is a need for conserving soil moisture security so that “more crop per drop” can be achieved. 3. Plantation and Horticulture

Horticulture crops could be encouraged as an alternative to the traditional cropping pattern in the district.

PLP 2016-17 District: Devbhoomi Dwarka

Vigorous promotion efforts for drip irrigation in horticultural crops by converging GGRC subsidy programme for horticulture crops.

Bank managers/officials may have to be imparted skills for appraisal of area based programme of Horticulture crops especially for net house & poly houses. Horticulture department may generate awareness, provide training and extension to the stakeholders for organic for organic farming produce & it’s certification.

4. Animal husbandry

Government support is required for setting up of breeding farm in the district so that good quality animals will be available to farmers. Banks may encourage dairy development by adopting area based approach for financing in clusters and taking into account the location of chilling/ processing plants and other linkages. Banks may play major role in financing for dairy activities through SHGs. Calf rearing may be encouraged on a large scale with the help of bank finance by identifying suitable beneficiaries with the active involvement of Department of Animal Husbandry/ Dairying

C. Highlights of Developments, initiatives taken, achievements, specific prescriptions etc.

GoI has established the National Adaptation Fund on Climate Change (NAFCC) with a budget provision of Rs.350 crores for the year 2015-16 and 2016-17. NABARD has been appointed as National Implementing Entity (NIE) responsible for implementation of adaptation projects under the Fund. To ensure effective price protection to the farmer, National Agricultural Market being proposed can be a solution backed by adequate storage facilities.

D. Thrust areas for 2016-17 such as JLG/SHG financing, post–harvest infrastructure, food processing, Producer Organizations, Area Development Plans/Schemes, etc.

E. Conclusion The major driver of private sector capital formation is investment credit. Immediate thrust is required to raise its share in the total agriculture credit. The document, has therefore, been prepared with emphasis on accelerating the pace of capital formation in agriculture and allied sectors. This goal can be achieved with the coordinated efforts of all the stakeholders.

PLP 2016-17 District: Devbhoomi Dwarka

Broad Sector wise PLP Projections 2016-17

(Rs in lakhs) Sr. PLP Projections No. Particulars 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 70247.42 ii Term Loan for agriculture and allied activities 5198.89 Sub Total 75446.31 B Agriculture Infrastructure 999.39 C Ancillary activities 2546.00 I Credit Potential for Agriculture (A+B+C) 78991.70 II Micro, Small and Medium Enterprises 3939.80 III Export Credit 400.00 IV Education 414.00 V Housing 1080.00 VI Renewable Energy 22.16 VII Others 761.76 VIII Social Infrastructure involving bank credit 438.75 Total Priority Sector (I to VIII) 86048.17

Priority Sector Lending (Rs in Lakh)

Other priority sector, 3116.67, 4% MSME, 3939.80, 4%

Agril & Alllied Activities, 8744.28, 10%

Crop Loan Agril & Alllied Activities MSME Other priority sector

Crop Loan, 70247.42, 82%

PLP 2016-17 District: Devbhoomi Dwarka

Summary of Sector / Sub-sector wise PLP projections - 2016-17

(₹.lakhs) Sr No Particulars PLP Projections 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 70247.42 ii Water Resources 1405.56 iii Farm Mechanisation 2004.20 iv Plantation and Horticulture 269.96 v Forestry and Waste Land Development 16.13 vi Animal Husbandry – Dairy 290.62 vii Animal Husbandry – Poultry 49.20 viii Animal Husbandry – Sheep, Goat, Piggery, etc. 10.02 ix Fisheries (Marine, Inland, Brackish water) 87.20 x Others – Bullock, Bullock cart, etc. 1066.00 Sub Total 75446.31 B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, 416.25 Godowns, Silos, Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed 540.01 development iii Others (Tissue culture, Agri bio-technology, Seed production, Bio 43.13 pesticides/ fertilizers, Vermin composting) Sub Total 999.39 C Ancillary activities i Food and Agro processing 2444.00 ii Others (Loans to Cooperative Societies of farmers for disposing of 102.00 their produce, Agri Clinics/ Agri Business Centres, Loans to PACS / FSS/ LAMPS, Loans to MFIs for on lending) Sub Total 2546.00 Total Agriculture 78991.70 II Micro, Small and Medium Enterprises i MSME – Investment Credit 3125.00 ii MSME – Working Capital 814.80 Total MSME 3939.80 III Export Credit 400.00 IV Education 414.00 V Housing 1080.00 VI Renewable Energy 22.16 VII Others (Loans to SHGs/ JLGs, loans to distressed persons to prepay 761.76 non-institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) VIII Social Infrastructure involving bank credit 438.75 Total Priority Sector 86048.17

PLP 2016-17 District: Devbhoomi Dwarka

District Profile District - Devbhoomi Dwarka State - Gujarat Division - Saurashtra 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 10001 Agro-climatic Zone The Devbhoomi Dwarka district comes under ACRP Region No 13 (6) No. of Sub Divisions NIL No. of Blocks 4 Climate Moderate climate with average annual rainfall of 600 mm No. of Villages (Inhabited) 312 Well drained light textured loose, fiable sandy - loam or sandy loam Soil Type No. of Panchayats 4 soil is found in all the 6 blocks of the district. 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 408663 Normal 2012-13 Actual Forest Land 17360 Rainfall [in mm] 599 980 Area Not Available for Cultivation & non agri 97798 Variation from Normal 381 Permanent Pasture and Grazing Land 28452 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 0 Water [Ham] 863.05 520.32 342.73 Cultivable Wasteland 13278 5. DISTRIBUTION OF LAND HOLDING Current Fallow 12475 Holding Area Classification of Holding Other Fallow 930 % to Total Ha. % to Total Net Sown Area 238370 <= 1 Ha 13318 15 8674 3 Total or Gross Cropped Area 247678 >1 to <=2 Ha 29920 33 44817 18 Area Cultivated More than Once 9308 >2 Ha 46518 52 195107 78 Cropping Inensity [GCA/NSA] 104 Total 89756 100 248598 99 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE (In 000) Cultivators 90862 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 43238 Population 623 320 303 181 442 Agricultural Labourers 23903 Scheduled Caste 43 22 21 10 33 Workers engaged in Household Industries 2440 Scheduled Tribe 4 2 2 3 1 Workers engaged in Allied Agro-activities Literate 305 187 118 200 105 Other workers 87032 BPL NA NA NA NA NA 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 380.85 Having brick/stone/concrete houses 339 Having electricity supply 339 Rural Households 213.60 Having source of drinking water 339 Having independent 272 BPL Households 107.37 Having access to banking services 175 Having radio/tv sets 155 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 253 Anganwadis 664 Dispensaries 302 Villages having Agriculture Power Supply 253 Primary Health Centres 34 Hospitals 12 Villages having Post Offices 144 Primary Health Sub-Centres 265 Hospital Beds 2388 Villages having Banking Facilities 128 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 768 Fertiliser/Seed/Pesticide Outlets [Nos] 100 Agriculture 44079 Villages having Primary Health Centres 265 Total N/P/K Consumption [MT] 88 Pumpsets Energised [Nos] 68455 Villages having Potable Water Supply 698 Certified Seeds Supplied [MT] 70 Agro Service Centres 142 Villages connected with Paved Approach Roads 663 Pesticides Consumed [MT] 5 Soil Testing Centres [Nos] 2 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 18775 Plantation nurseries [Nos] 10 Total Area Available for Irrigation (NIA + Fallow) 156446 Power Tillers [Nos] 3564 Farmers' Clubs [Nos] 220 Krishi Vigyan Irrigation Potential Created 102219 Threshers/Cutters [Nos] 7178 1 Kendras[Nos] Net Irrigated Area(Total area irrigated at least once) 124220 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 6822 Rural/Urban Mandi/Haat [Nos] 50 Wholesale Market [Nos] 8 Area irrigated by Wells 117398 Length of Pucca Road [Km] 4828 Godown [Nos] 100 Irrigation Potential Utilized (Gross Irrigated Area) 152677 Length of Railway Line [Km] 300 Godown Capacity[MT] 10000 Public Transport Vehicle [Nos] 9257 Cold Storage [Nos] 9 Goods Transport Vehicle [Nos] 31485 Cold Store Capacity[MT] 36000 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] 2012-13 Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) 2 NA Area (Lakh Ha) Prod. (00'MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) NA NA Bajra 0.003 21 1255 Fruit (Pulp/Juice/Fruit drink) 1 NA Castor 0.023 44 3270

Spices (Masala Powders/Pastes) NA NA Cotton 1.550 4685 708 Dry-fruit (Cashew/Almond/Raisins) NA NA Groundnut 1.674 3524 1700 Cotton (Ginnining/Spinning/Weaving) 7 NA Wheat 0.189 1045 3490 Milk (Chilling/Cooling/Processing) 10 NA Gram 0.157 239 1442

Meat (Chicken/Motton/Pork/Dryfish) NA NA Cumin 0.101 33 637

Animal feed (Cattle/Poultry/Fishmeal) NA NA Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 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] 26 Animal Markets [Nos] 10 Cattle - Cross bred NA NA NA Disease Diagnostic Centres [Nos] 26 Milk Collection Centres 22 Cattle - All (CB, indigenous) 149 58 61 Artificial Insemination Centers 96 Fishermen Societies [Nos] 20 Buffaloes 111 10 101 Animal Breeding Farms [Nos] 0 Fish seed farms [Nos] Sheep - Cross bred NA NA NA Animal Husbandry Tng Centres [Nos] 0 Fish Markets [Nos] 2 Sheep - Indigenous 81 NA NA Dairy Cooperative Societies [Nos] 23 Poultry hatcheries [Nos] 1 Goat 80 Improved Fodder Farms [Nos] 0 Slaughter houses [Nos] 1 Pig - Cross bred NA NA NA 19. MILK, FISH, EGG PRODUCTION ILABILITY Pig - Indigenous NA NA NA Fish Production [MT] 67530 Horse/Donkey/Camel 2 NA NA Egg Production [Lakh Nos] 10.84 Poultry - Cross bred NA NA Milk Production ['000 MT] 300 Poultry - Indigenous 19 NA NA Meat Production [MT] 205381 Sources (if not mentioned Item Nos. 1, 6, 7, 9 & 10 - Census 2001; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water against the respective item): 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 2007; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat.The items no 1to 7 is of bifurcated Jamnagar district data and others are of erstwhile Jamnagar dist data

PLP 2016-17 District: Devbhoomi Dwarka

Banking Profile District - Devbhoomi Dwarka State Gujarat Lead Bank - Dena Bank 1. NETWORK & OUTREACH (As on 31/03/2014

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

Commercial Banks 9 39 12 27 NA NA NA NA NA Regional Rural Bank 1 20 15 5 NA NA NA NA NA District Central Coop. NA NA NA NA NA Bank 1 13 6 7 Coop. Agr. & Rural 1 4 4 NA NA NA NA NA Dev. Bank Primary Agr. Coop. NA NA NA NA NA Society 326 326 319 7 Others (Pvt sector) 4 8 1 7 NA NA NA NA NA All Agencies 342 410 353 57 NA NA NA NA NA 2 Deposits

No. of accounts Amount of Deposit [Rs in 000] 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) NA NA NA NA NA NA 24 78.49 Commercial Banks 15921670 19686427

Regional Rural Bank NA NA NA NA NA NA 2373474 2934700 24 11.70

Cooperative Banks NA NA NA NA NA NA 758955 822584 8 3.28 Others NA NA NA NA NA NA 1173425 1637052 40 6.53 NA NA NA NA NA NA 24 100.00 All Agencies 20227524 25080763

3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.'000] Agency 31-Mar-12 31-Mar-13 31-Mar-14 Growth(%) Share(%) 31-Mar-12 31-Mar-14 31-Mar-15 Growth(%) Share(%)

Commercial Banks NA NA NA NA NA NA 3655999 4311938 18 56.76 Regional Rural Bank NA NA NA NA NA NA 1432700 1383000 -3 18.20 Cooperative Banks NA NA NA NA NA NA 924606 1093830 18 14.40 Others NA NA NA NA NA NA 1066372 808200 -24 10.64 NA NA NA NA NA NA 7079677 7 100.00 All Agencies 7596968

4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During 2014-15 Cumulative Agency Agency 31-Mar-13 31-Mar-14 31-Mar-15 Deposit Credit Deposit Credit

Commercial Banks NA NA 22.51 Commercial Banks NA NA NA NA Regional Rural Bank NA NA 47.13 Regional Rural Bank NA NA NA NA NA NA Cooperative Banks 129.96 Cooperative Banks NA NA NA NA NA NA Others 84 Others NA NA NA NA All Agencies NA NA 30.29 All Agencies NA NA NA NA

6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015)

Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women Agency Amount % of Total Amount Amount % of Total Amount Amount % of Total % of Total Loans % of Total Loans [Rs.'000] Loans [Rs.'000] [Rs.'000] Loans [Rs.'000] [Rs.'000] Loans Commercial Banks 2883966 47.24 2585328 45.10 NA NA 24847 99.53 NA NA Regional Rural Bank 1322387 21.66 1313557 22.92 NA NA NA NA NA NA Cooperative Banks 1748217 28.64 1737540 30.31 NA NA 117 0.47 NA NA Others 149849 2.45 95469 1.67 NA NA NA NA NA NA All Agencies 6104419 100.00 5731894 100.00 NA NA 24964 100.00 NA NA

7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

2012-13 2013-14 2014-15 Average Agency Target Ach'ment Ach'ment [Rs. Target Ach'ment [Rs. Ach[%] in Ach'ment [%] Target [Rs.'000] Ach'ment [%] Ach'ment [%] [Rs.'000] [Rs. '000] '000] [Rs.'000] '000] last 3 years

Commercial Banks NA NA NA 2651140 3253453 122.72 3236400 2883966 89.11 NA

Regional Rural Bank NA NA NA 1627966 1381500 84.86 1673600 1322387 79.01 NA Cooperative Banks NA NA NA 1273993 944643 74.15 1501700 1748217 116.42 NA Others NA NA NA 216272 379357 175.41 267300 149849 56.06 NA All Agencies NA NA NA 5769371 5958953 103.29 6679000 6104419 91.40 NA

8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

2012-13 2013-14 2014-15 Average Broad Sector Target Ach'ment Ach'ment [Rs. Target Ach'ment [Rs. Ach[%] in Ach'ment [%] Target [Rs.'000] Ach'ment [%] Ach'ment [%] [Rs.'000] [Rs. '000] '000] [Rs.'000] '000] last 3 years Crop Loan NA NA NA 4527928 3849294 85.01 5315768 5569401 104.77 NA Term Loan (Agr) NA NA NA 616875 1175097 190.49 513926 162493 31.62 NA Total Agri. Credit NA NA NA 5144803 5024391 97.66 5829694 5731894 98.32 NA Non-Farm Sector NA NA NA 180830 554808 306.81 284797 219269 76.99 NA Other Priority Sector NA NA NA 443738 379754 85.58 564250 153256 27.16 NA Total Priority Sector 5769371 5958953 103.29 12508435 6104419 48.80 NA Sources : Lead Bank returns & SLBC