PLP 2016-17 District EXECUTIVE SUMMARY

The Potential Linked Credit Plan (PLP) of for the year 2016-17 has been prepared with the theme of “Accelerating the pace of capital formation in agriculture and allied sector”. The PLP projectections are made under priority sector covering Agriculture (Farm Credit, Agriculture Infrastructure and Ancillary Activities), MSME, Education, Housing, Renewable Energy and Others with emphasis on capital formation under Agriculture & Allied sector in tune with the theme. The PLP seeks to present a comprehensive assessment of potentials available under various sectors of the economy, the credit requirements for exploiting the potentials, available infrastructure as well as credit absorption capacity of the borrowers. It also show-cases the non-credit inputs required and aspects that require the attention of the Government and other agencies involved inthe development process. This document will also attempt to provide an insight on the potential for development in different sectors of the rural economy, serve as a road map to banks for extending credit to important sectors / sub sectors / activities in the district and for Government departments including various developmental agencies to provide necessary infrastructure and linkage support. The PLP also converge Government plans with that of banks, thereby, facilitating increased credit flow and overall development. The PLP projections given in Annexure I of this document will form the basis for banks in preparing the Annual Credit Plan for the year 2016-17. Dimapur, the 8th district of established in December 1997, is bound by on its North and West, on the East and District in the South. The district comprises of six rural development blocks with an area of 927 Square kilometers. Dimapur town is the commercial hub of the state and is the magnet around which the economic and developmental activities of the district are centered; it is one of the fastest developing township of the North East. The business of the town can trace its history to British times. The town is also a gateway to Nagaland and state. It is an important rail head and also has an airport. The performance of banks vis-a-vis Annual Credit Plan (ACP) is not satisfactory. During the years 2013-14 and 2014-15, the banks in Dimapur district had achieved 77 % and 45 % respectively of the allocated targets under Priority Sector. The achievement vis-à-vis target under Crop Loan during the year 2014-15 was 326% and and the percentage share of Crop Loan to GLC under Priority Sector during the same period was 15 %. The break-up of sub-sector and activity-wise data under agriculture and allied sectors is not available. However, on a perusal of the broad-sector wise data, it is found that the achievement during the year 2014-15 was 32% of the target and and the percentage share of Agri Term Loan to GLC under Priority Sector during the same period was 14 %. The achievement vis-à-vis target under Micro and Small Enterprises (MSE) and Other Priority Sectors (OPS) during the year 2014-15 was 45% and 37% respectively. The percentage share of MSE and OPS to GLC under Priority Sector during the same period was 31% and 39% respectively. The Reserve Bank of (RBI) vide their circular No.FIDD.CO.Plan.BC.54 /04.09.01/2014-2015 dated 23rd April 2015 has revised and classified Priority Sector Lending (PSL) norms into eight broad sectors viz., (i) Agriculture (ii) Micro, Small and Medium Enterprises (iii) Export Credit (iv) Education (v) Housing (vi) Social Infrastructure (vii) Renewable Energy and (viii) Others. The sub-sectors and activities covered under each broad sector have also undergone revision. Accordingly, in view of the changes brought out by RBI, the composition and content of PLP document have also been revised so as to align with the revised guidelines on PSL. The PLP of Dimapur district has estimated an institutional credit potential of Rs. 28775.74 lakh for the year 2016-17 out of which credit potential for Agriculture (including Agriculture Infrastructure) has been estimated at Rs. 10101.94 lakh. Credit potential for Ancillary activities (including others) at Rs. 346.50 lakh, Micro, Small and Medium Enterprises at Rs. 7387.50 lakh, Export Credit at Rs. 480.48 lakh, Education at Rs. 3720.00 lakh, Housing at Rs. 5806.40 lakh, Renewable Energy at Rs. 305.52 lakh, Social Infrastructures at Rs. 274.40 lakh, and Others (SHGs, JLGs, etc) at Rs. 353.00 lakh. For

01 PLP 2016-17 Dimapur District arriving at the potentials, the latest Scale of Finance (SOF) and Unit Cost (UC) have been followed. Hence, it will be seen that suitable upward revision has been made in the Base PLP projections for the year 2016-17. The above mentioned potentials could be effectively utilized only with investment inrural infrastructure as it will create new economic opportunities and activities. Here, GoN needs to identify and commercialize infrastructure projects through Private Public Partnership (PPP) covering power, transportation and information technology. Also, projects which are commercially viable may be developed through private sector investment. The challenges faced by our country in securing food as well as nutritional security to a fast growing population need an integrated approach for livestock and vegetable farming. Hence, dairy development and development of kitchen garden for raising vegetables through group modes viz. Joint Liability Group (JLG) and Self Help Group (SHG) have been identified as two Area Development Schemes in this document for implementation with support from government departments / KVK and banks. This co-ordinated approach will encourage and enhance capital formation in agriculture, thereby, leading to sustainable development. In Annexure – I (enclosed), the above potentials have been segregated Block wise. Broad Sector-wise PLP Projections for the year 2016-17 Name of the district: Dimapur State: Nagaland (Rs Lakh) Sr. Particulars PLP Projections 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 1946.40 ii Term Loan for agriculture and allied activities 7892.02 Sub Total 9838.42 B Agriculture Infrastructure 263.52 C Ancillary activities 346.50 I Credit Potential for Agriculture (A+B+C) 10448.44 II Micro, Small and Medium Enterprises 7387.50 III Export Credit 480.48 IV Education 3720.00 V Housing 5806.40 VI Renewable Energy 305.52 VII Others (SHG, JLGs, etc) 353.00 VIII Social Infrastructure involving bank credit 274.40 Total Priority Sector (I to VIII) 28775.74

02 PLP 2016-17 Dimapur District

Sector-wise PLP projections of Dimapur district for the year 2016-17

03 PLP 2016-17 Dimapur District Summary of Sector/Sub-sectorwise PLP Projections for the year 2016-17 (Rs. in Lakh) Sr. No. Particulars PLP Projections 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 1946.40 ii Water Resources 244.12 iii Farm Mechanisation 298.48 iv Plantation and Horticulture (including sericulture) 2656.11 v Forestry and Waste Land Development 156.46 vi Animal Husbandry – Dairy 404.40 vii Animal Husbandry – Poultry 1370.64 viii Animal Husbandry – Sheep, Goat, Piggery, etc. 2447.96 ix Fisheries (Marine, Inland, Brackish water) 313.85 Sub Total 9838.42 B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, 105.00 Godowns, Silos, Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed development 70.20 iii Others (Tissue culture, Agri bio-technology, Seed production, Bio 88.32 pesticides/ fertilizers, Vermin composting) Sub Total 263.52 C Ancillary activities i Food and Agro processing 346.50 ii Others - Loans to MFIs for onlending to agriculture 0.00 Sub Total 346.50 Total Agriculture II Micro, Small and Medium Enterprises i MSME – Working capital 2400.00 ii MSME – Investment credit 4987.50 Total MSME 7387.50 III Export Credit 480.48 IV Education 3720.00 V Housing 5806.40 VI Renewable Energy 305.52 VII Others – 353.00 (SHG, JLGs, Overdraft facility to PMJDY account holders ) VIII Social Infrastructure involving bank credit 274.40 Total Priority Secor 28775.74

04 PLP 2016-17 Dimapur District

05 12

PLP 2016-17 Dimapur District DISTRICT PROFILE OF DIMAPUR DISTRICT

Dimapur the eighth district of Nagaland, was formed out of the Dimapur sub-division and Niuland sub-division of the then undivided in December 1997. It is considered as the ‘gateway’ to Nagaland and holds the distinction of being the only district in Nagaland to be connected by both airways and railways. Being the commercial hub it is one of the busiest districts as well as home to the biggest town in Nagaland. The main factor contributing to large increase in population of the district is migration from other parts of the state. Dimapur can be considered as a ‘land of opportunities’ with favourable topography and ample connectivity. It has the highest urban population at 52.2 percent as compared to the other districts of the state. As per the Census of 2011, Dimapur district has a working population of 39.95 percent engaged as cultivators, daily wage earners, government service, business, and others and the vibrancy of the working force is well complemented by various schemes. Dimapur holds the distinction of being the district with the highest number of private enterprises which makes Dimapur the hub of trade and commerce. The district has a total area of 92700 hectares out of which 68699 hectares comes under cultivable land. Dimapur is marked by hot summers and abundant rainfall which favors cultivation of rice, making it the major crop of the district. Production of maize is also quite high in the district along with high yield of pulses, oilseeds and other commercial crops. The major commercial cultivation of fruits in the district is pineapples, bananas and citrus. There is also high yield of vegetables such as cauliflower, cabbage and potato in the district. Power is integral to economic development, livelihood and better quality of life. All 216 recognised villages under Dimapur district have been electrified out of which 191 villages have been communitised. But Dimapur being the district with the highest demand of power at 60 MW, is highly affected with only 39.8 MW supply during peak hours. Electricity and lighting does not come without a challenge and it is estimated that by 2020, the unrestricted maximum demand for Dimapur load centre is expected to reach 140 MW with anticipated load growth to the tune of 55 MW in industrial sector. Dimapur is going through a rapid process of urbanization along with booming commercial activities and rapid growth of cottage industries, micro and small enterprises, its sustainability depends on how the prevailing energy crisis is solved. To this end, one notable GoI’s programme is the Re-structured Accelerated Power Development and Reforms Programme, (R-APDRP). Furher, the State Govt needs to increase its generating capacity for Hydro power, especially Mini-Hydro as the State is endowed with huge potential for Hydro Power. The share and position of Dimapur district in the GSDP is not available. However, the position of the State at Current Prices from the year 2004-05 to 2011-2012 is furnished below:

Year Primary Sector Secondary Tertiary Sector Total PCI* Sector 1 2 3 4 5 6 2004-05 203624 74518 305742 583884 32784 2005-06 212482 89922 356364 658768 36396 2006-07 216642 106072 402951 725665 39438 2007-08 220011 118691 468793 807495 43182 2008-09 258229 160313 525065 943607 49637 2009-10 282648 175249 594780 1052677 54486 2010-11 308251 154241 713445 1175937 60243 2011-12 355474 198918 831542 1385934 69124 * PCI: Per Capita Income(Directorate of Economics and Statistics, GoN)

06 PLP 2016-17 Dimapur District

District Profile

District - DIMAPUR State - NAGALAND Division -

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 927 Agro-climatic Zone Eastern Himalaya Region - North East Hills (Zone 2) No. of Sub Divisions 7 No. of Blocks 6 Climate Humid No. of Villages (Inhabited) 216 Soil Type Red sandy, laterite No. of Panchayats (VDBs) 191 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 92700 Normal 2006-07 2007-08 2008-09 Actual Forest Land 7508 Rainfall [in mm] 1562 793 731 695 Area Not Available for Cultivation 16522 Variation from Normal Permanent Pasture and Grazing Land na Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops na [Ham] Cultivable Wasteland na 5. DISTRIBUTION OF LAND HOLDING Current Fallow na Holding Area Classification of Holding Other Fallow na Nos. % to Total Ha. % to Total Net Sown Area na <= 1 Ha na Total or Gross Cropped Area na >1 to <=2 Ha na Area Cultivated More than Once na >2 Ha na Cropping Inensity [GCA/NSA] na Total na 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 21 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers N.A. Population 379 197 181 181 198 Agricultural Labourers 5 Scheduled Caste Workers engaged in Household Industries 2 Scheduled Tribe Workers engaged in Allied Agro-activities N.A. Literate 278 150 128 na na Other workers 95 BPL 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households]

Total Households 29 Having brick/ stone/concrete houses na Having electricity supply 28

Rural Households na Having source of drinking water na Having independent toilets na BPL Households 16 Having access to banking services na Having radio/tv sets 66

10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos]

Villages Electrified 215 Anganwadis na Dispensaries 1 Villages having Agriculture Power Supply na Primary Health Centres 8 Hospitals 1 Villages having Post Offices 53 Primary Health Sub-Centres 47 Hospital Beds 150

Villages having Banking Facilities na 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE

Villages having Primary Schools na Fertiliser/Seed/Pesticide Outlets [Nos] na Agriculture Pumpsets[Nos] na Villages having Primary Health Centres 9 Total N/P/K Consumption [MT] 2167 Pumpsets Energised [Nos] na Villages having Potable Water Supply 13 Certified Seeds Supplied [MT] na Agro Service Centres [Nos] na Villages connected with Paved Approach Roads na Pesticides Consumed [MT] 15 Soil Testing Centres [Nos] na 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] na Plantation nurseries [Nos] na Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] na Farmers' Clubs [Nos] na Irrigation Potential Created 28362 Threshers/Cutters [Nos] na Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 14444 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels na Rural/Urban Mandi/Haat [Nos] 17 Wholesale Market [Nos] 1 Area irrigated by Wells na Length of Pucca Road [Km] 665 Godown [Nos] na Area irrigated by Tanks na Length of Railway Line [Km] na Godown Capacity[MT] na Area irrigated by Other Sources na Public Transport Vehicle [Nos] na Cold Storage [Nos] na Irrigation Potential Utilized (Gross Irrigated Area) na Goods Transport Vehicle [Nos] na 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] 2012-13 2013-14 Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) na na Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) na na Paddy 46190 111230 47120 116800 2444 Fruit (Pulp/Juice/Fruit drink) na na Maize 6720 13210 6730 13250 1967 Spices (Masala Powders/Pastes) na na Pea 840 870 890 970 1064 Dry-fruit (Cashew/Almond/Raisins) na na Potato 680 6830 680 6830 10044 Cotton (Ginnining/Spinning/Weaving) na na Mustard 4160 4210 4180 4260 1016 Milk (Chilling/Cooling/Processing) na na Soyabean 2040 2520 2040 2520 1235 Meat (Chicken/Motton/Pork/Dryfish) na na Sugarcane 1140 49630 1140 49630 43535 Animal feed (Cattle/Poultry/Fishmeal) na 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] 1 Animal Markets [Nos] na Cattle - Cross bred 151 50 101 Disease Diagnostic Centres [Nos] 3 Milk Collection Centres [Nos] na Cattle - Indigenous 58 24 34 Artificial Insemination Centers [Nos] 1 Fishermen Societies [Nos] 56 Buffaloes 18 9 9 Animal Breeding Farms [Nos] 3 Fish seed farms [Nos] na Sheep - Cross bred na na na Animal Husbandry Tng Centres [Nos] 1 Fish Markets [Nos] na Sheep - Indigenous na na na Dairy Cooperative Societies [Nos] 40 Poultry hatcheries [Nos] na Goat 68 28 40 Improved Fodder Farms [Nos] 1 Slaughter houses [Nos] na Pig - Cross bred 105 57 48 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 50 26 24 Fish Production [MT] 3925 Per cap avail. [gm/day] 10 kg Horse/Donkey/Camel na na na Egg Production [Lakh Nos] 456 Per cap avail. [nos/p.a.] 120 no Poultry - Cross bred 94 41 53 Milk Production ['000 MT] 34716 Per cap avail. [gm/day] 91 litre Poultry - Indigenous 99 40 59 Meat Production [MT] 11500 Per cap avail. [gm/day] 30 kg

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 Resources; Item against the respective 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 2003; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat.

07 PLP 2016-17 Dimapur District Banking Profile District - DIMAPUR State - NAGALAND Lead Bank - State Bank of India

1. NETWORK & OUTREACH (As on 31/03/2015) No. of Branches No. of non-formal agencies associated Per Branch Outreach No. of Agency Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households

Commercial Banks 25 46 10 36 0 0 220 0 7 879 Regional Rural Bank 1 4 2 2 0 0 180 0 72 9667 District Central Coop. Bank 0 0 0 0 0 0 0 0 0 0 Coop. Agr. & Rural Dev. Bank 0 0 0 0 0 0 0 0 0 0 Primary Agr. Coop. Society 0 0 0 0 0 0 0 0 0 0 Nagaland SCB 1 5 2 3 0 0 816 0 54 7250 All Agencies 27 55 14 41 0 0 1216 0 5 725 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [Rs.'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 na na na na na 311299.12 312222.47 394113.91 26.23 96.38 Regional Rural Bank na na na na na 1608.78 1616.37 1477.31 -8.60 0.45 Cooperative Banks na na na na na 10640.25 10351.42 12529.38 21.04 3.17 Other agencies na na na na na 0 0 All Agencies na na na na na 323548.15 324190.26 408120.60 25.89 100.00 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [Rs.'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 na na na na na 93326.26 98199.76 97271.91 -0.94 93.30 Regional Rural Bank na na na na na 822.86 914.77 628.96 -31.24 0.76 Cooperative Banks na na na na na 4913.90 4925.66 8538.98 73.36 5.94 Other agencies na na na na na 0 All Agencies na na na na na 99063.02 104040.19 106439.85 2.31 100.00 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs) CD Ratio During 2011-12 Cumulative Agency Agency 31-Mar-13 31-Mar-14 31-Mar-15 Deposit Credit Deposit Credit Commercial Banks 29.98 31.45 24.68 Commercial Banks 5817 na 8490 na Regional Rural Bank 51.15 56.59 42.57 Regional Rural Bank 530 na 846 na Cooperative Banks 46.18 47.58 68.15 Cooperative Banks 864 na 270 na Other agencies Other agencies na na 0 na All Agencies 27.88 26.38 26.08 All Agencies 7211 na 9606 na 6. PERFORMANCE TO FULFILL NATIONAL GOALS - loans outstanding 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 % of Total Amount Amount [Rs.'lakh] Amount % of Total % of Total Loans % of Total Loans [Rs.'lakh] Loans [Rs.'lakh] Loans [Rs.'lakh] [Rs.'lakh] Loans Commercial Banks 7981.14 84.66 2027.42 71.43 na na na na na na Regional Rural Bank 227.08 2.41 64.74 2.28 na na na na na na Cooperative Banks 1219.35 12.93 746.05 26.29 na na na na na na Other agencies na na na na na na All Agencies 9427.57 100.00 2838.21 100.00 na na na na na na 7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Ach'ment [Rs. Agency Target [Rs.'lakh] Ach'ment [%] Target Ach'ment [Rs. Ach'ment [Rs. Ach[%] in last 3 'lakh] Ach'ment [%] Target [Rs.'lakh] Ach'ment [%] [Rs.'lakh] 'lakh] 'lakh] years

Commercial Banks 12366.50 7331.64 59.29 17327.00 12396.84 71.55 20429.25 7981.14 39.07 56.63 Regional Rural Bank 351.00 346.44 98.70 213.00 409.82 192.40 51.75 227.08 438.80 243.30 Cooperative Banks 844.00 1158.94 137.32 335.00 896.16 267.51 440.00 1219.35 277.13 227.32 Other agencies All Agencies 13561.50 8837.02 65.16 17875.00 13702.82 76.66 20921.00 9427.57 45.06 62.29 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Broad Sector Ach'ment [Rs. Target Ach'ment [Rs. Ach'ment [Rs. Ach[%] in last 3 Target [Rs.'lakh] Ach'ment [%] Ach'ment [%] Target [Rs.'lakh] Ach'ment [%] 'lakh] [Rs.'lakh] 'lakh] 'lakh] years Crop Loan 461.00 1503.70 Term Loan (Agr) 4130.00 1334.51 Total Agri. Credit 2969.00 2218.95 74.74 4279.00 2762.89 64.57 4591.00 2838.21 61.82 67.04 Non-Farm Sector 3222.50 2467.24 76.56 4610.00 2539.22 55.08 6560.00 2940.59 44.83 58.82 Other Priority Sector 7370.00 4150.83 56.32 8986.00 8400.71 93.49 9770.00 3648.77 37.35 62.38 Total Priority Sector 13561.50 8837.02 65.16 17875.00 13702.82 76.66 20921.00 9427.57 45.06 62.29 9. RECOVERY POSITION 2011-12 2012-13 2013-14 Average Rec. Agency Demand [Rs. Recovery [Rs. Demand [Rs. Recovery [Rs. Demand [Rs. Recovery [Rs. [%] in last 3 Recovery [%] Recovery [%] Recovery [%] 'lakh] 'lakh] 'lakh] 'lakh] 'lakh] 'lakh] years Commercial Banks 4879.53 1831.91 37.54 na na na 10946.35 6741.37 61.59 na Regional Rural Bank 38.15 36.84 96.57 na na na 287.52 300.39 104.48 na Cooperative Banks 698.69 346.89 49.65 na na na 1396.29 283.89 20.33 na Other agencies na na na na All Agencies 5616 2216 39.45 na na na 12630.16 7325.65 58.00 na Sources : Lead Bank & SLBC

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