EXECUTIVE SUMMARY Patna Is the Largest District in Patna Division. It Is

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PLP 2016-17 PATNA EXECUTIVE SUMMARY

Patna is the largest district in Patna division. It is the capital of the state of Bihar. The district has a very long river line. It is surrounded on three sides by rivers- The Ganga, Sone and Punpun. It is well connected by Railways, Road and Airways. Patna is the main administrative and educational centre of Bihar. The district has a geographical area of 3202 sq.km with population of 58.38 lakh. There are six sub divisions and 23 CD blocks in the district. Paddy is the main crop of the district. Other major crops are Maize, Pulses, wheat, potato, onion, other vegetables, flowers, etc. The cropping is mainly dependent upon rain fed irrigation. Other sources of irrigation in the district are tube wells, canals and other wells. Two blocks, out of 23 are under Semi Critical category. Remaining 21 blocks fall under safe category. The per capita Gross District Domestic Product (GDDP) during 2011-12 at 2004-05 prices of Patna district is `63063/-. The district is ranked first in the state. Punjab National Bank is the Lead Bank of the district. There are 664 branches of 35 commercial banks (including two foreign banks), one RRB and one CCB as on 31st March 2015. The total achievement of the banks under Priority Sector in Annual Credit Plan (ACP) for the year 2014-15 was 127% of the target. As against a target of `4918.11 crore, the banks’ achievement under Total Priority Sector stood at `6251.48 crore. The achievement of the banks under Agriculture sector was `1965.46 crore i.e. 141% of the target during 2014-15. Under SME and OPS, the achievement of banks stood at 159% and 95% respectively during the year. The CD ratio for the year 2014-15 was 35.92. Total number of new KCC sanctioned by all banks during 2014-15 stood at 26373, which is only 53% of the allocated target of 49975. The theme of PLP 2016-17 is ‘Accelerating the pace of capital formation in Agriculture and Allied sectors’. The thrust areas are productivity growth in agriculture, post harvest infrastructure, food processing, JLG/ SHG financing, producer organizations, area development schemes and creation of social infrastructure. In the light of revised Guidelines dated 01 July 2015 on Priority Sector Lending, issued by RBI, the credit projections of Base PLP for the year 2016-17 at `3915.37 crore have been updated and revised to `10659.50 crore. As per the revised guidelines, new sectors/ activities like social infrastructure, medium sector, export credit etc. have been added in the fold of priority sector. The enhanced credit limit for various activities under priority sector has also contributed towards enhanced projection. The sector wise credit potential is given in the annexure. Some of the major constraints in realizing the potential assessed are – development of infrastructure like all weather road, regular power supply, effective extension service, awareness among bankers to extend credit for various activities under priority sector, improvement in availability of inputs, provision of markets, etc. Banks may finance JLGs, SHGs, POs, etc. so that SF/MF and landless farmers are also covered under formal credit fold. For grounding the potential assessed, a better coordination between planning agencies, Govt agencies/ departments, financial institutions and borrowers/ entrepreneurs/ potential entrepreneurs is required.

PLP 2016-17 PATNA BROAD SECTOR WISE PLP PROJECTIONS (2016-17)

(` lakh) Sl. No. PLP Projections Particulars for 2016-17 A Farm Credit i. Crop Production, Maintenance and Marketing 115953.44 ii. Term Loan for Agriculture and allied activities 52450.54 Farm Credit Total 168403.98 B Agriculture Infrastructure 90613.08 C Ancillary Activities 19108.00 I Credit Potential for Agriculture (A+B+C) 278125.06 II Micro, Small and Medium Enterprises 312693.75 III Export Credit 8500.00 IV Education Loan 90015.00 V Housing Loan 269450.00 VI Renewable Energy 5789.25 VII Others (SHG/ JLG loans, PMJDY, etc.) 20100.00 VIII Social Infrastructure involving bank credit 81277.00 Total Priority Sector (I to VIII) 1065950.06

others, 20100.00 Social, 81277.00 Renewable, 5789.25 Total Agriculture, 278125.06

Housing, 269450.00

education, msme, 90015.00 312693.75 export, 8500.00

PLP 2016-17 PATNA SUMMARY OF SECTOR/ SUB-SECTOR WISE PLP PROJECTIONS (2016-17)

(` lakh) PLP Projections Sl. No. Particulars for 2016-17 I Credit Potential for Agriculture A Farm Credit i. Crop Production, Maintenance and Marketing 115953.44 ii. Water Resources 6079.22 iii. Farm Mechanisation 10654.75 iv. Plantation and Horticulture 3289.37 v. Forestry and Waste Land Development 78.84 vi. Animal Husbandry – Dairy Development 26357.40 vii. Animal Husbandry – Poultry Development 4387.87 viii. Animal Husbandry – Sheep, Goat and Piggery Development 271.32 ix. Fisheries Development 1331.78 Sub Total 168403.98 B Agriculture Infrastructure

i. Storage Godowns / Market Yards 89002.50 ii. Land Development, Soil Conservation and Watershed Development 820.08 iii. Others (Vermi-Compost, Seed Production, Tissue Culture, etc.) 790.50 Sub Total 90613.08 C Ancillary Activities

i. Food and Agro Processing 15912.00 ii. Others (Loans to Coop. Soc., FPOs, ACBC, PACS, etc.) 3196.00 Sub Total 19108.00 Total Agriculture 278125.06 II Micro, Small and Medium Enterprises

i. MSME - Working Capital 53273.75 ii. MSME - Investment Credit 259420.00 Total MSME 312693.75 III Export Credit 8500.00 IV Education Loan 90015.00 V Housing Loan 269450.00 VI Renewable Energy 5789.25 VII Others (SHG/JLG/PMJDY) 20100.00 VIII Social Infrastructure involving bank credit 81277.00 Total Priority Sector 1065950.06

PLP 2016-17 PATNA District Profile

District -Patna State -Bihar Division - Patna

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 3202 Agro-climatic Zone Middle Gangatic Plains-North East Alluvial(Zone-4) No. of Sub Divisions 6 No. of Blocks 23 Climate Dry Sub Humid to Moist Sub Humid No. of Villages (Inhabited) 1264 Soil Type Alluvial Tarai No. of Panchayats 334 3. LAND UTILISATION ['000 Ha] (2011-12) 4. RAINFALL & GROUND WATER 317.2 2014 (upto Total Area Reported Normal 2012 2013 Actual Sep 14) Rainfall [in mm] Forest Land 0.1 859.2 554.5 763 Area Not Available for Cultivation 91.1 Variation from Normal Permanent Pasture and Grazing Land 0.1 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 1 Water [Ham] Cultivable Wasteland 0.8 5. DISTRIBUTION OF LAND HOLDING Current Fallow 65.1 Holding Area Classification of Holding Other Fallow 1.6 Nos. % to Total Ha. % to Total Net Sown Area 157.5 <= 1 Ha 261099 78.98 101099 42.89 Total or Gross Cropped Area 197.7 >1 to <=2 Ha 42365 12.82 57875 24.55 Area Cultivated More than Once 40.2 >2 Ha 27102 8.2 76705 32.56 Cropping Inensity [GCA/NSA] 1.26 Total 330566 100 235679 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 272 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers Population 5838.46 3078.5 2759.9 3323.9 2514.59 Agricultural Labourers 659 Scheduled Caste 920.92 482.09 438.83 664.27 256.65 Workers engaged in Household Industries 85 Scheduled Tribe 9.07 4.72 4.35 2.16 6.91 Workers engaged in Allied Agro-activities Literate 3459.68 2028.05 1431.63 1690.37 1769.31 Other workers 951 BPL 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 975578 Having brick/stone/concrete houses 246 Having electricity supply 74 Rural Households 546154 Having source of drinking water 156 Having independent toilets 132 BPL Households Having access to banking services 103 Having radio/tv sets 53 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 1441 Anganwadis 3058 Dispensaries Villages having Agriculture Power Supply 212 Primary Health Centres 23 Hospitals 10 Villages having Post Offices 339 Primary Health Sub-Centres Hospital Beds Villages having Banking Facilities 1217 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 1451 Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos] 24000 Villages having Primary Health Centres 1451 Total N/P/K Consumption [MT] 52 Pumpsets Energised [Nos] 119 Villages having Potable Water Supply Certified Seeds Supplied [MT] Agro Service Centres [Nos] 23 Villages connected with Paved Approach Roads 1054 Pesticides Consumed [MT] Soil Testing Centres [Nos] 11 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 3578 Plantation nurseries [Nos] Total Area Available for Irrigation (NIA + Fallow) 190034 Power Tillers [Nos] Farmers' Clubs [Nos] 74 Irrigation Potential Created 197000 Threshers/Cutters [Nos] 5443 Krishi Vigyan 1 Net Irrigated Area(Total area irrigated at least once) 14. INFRASTRUCTURE FOR STORAGE, TRANSPORTKendras[Nos] & MARKETING Area irrigated by Canals / Channels 10000 Rural/Urban Mandi/Haat [Nos] 17 Wholesale Market [Nos] Area irrigated by Wells 154000 Length of Pucca Road [Km] Godown [Nos] Area irrigated by Tanks 47000 Length of Railway Line [Km] Godown Capacity[MT] Area irrigated by Other Sources Public Transport Vehicle [Nos] Cold Storage [Nos] Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] Cold Store Capacity[MT] 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] 2011-12 2012-13 Avg. Yield 1157 Crop Area ('000 Prod. Area ('000 Prod. Food (Rice/Flour/Dal/Oil/Tea/Coffee) [Kg/Ha] Ha) ('000MT) Ha) ('000MT) Sugarcane (Gur/Khandsari/Sugar) Paddy 60.1 167.3 59.84 191.98 2995.5 Fruit (Pulp/Juice/Fruit drink) Wheat 60.3 220.4 59.31 211.57 3611.5 Spices (Masala Powders/Pastes) Maize 8.06 17.97 6.43 18.76 2534.8 Dry-fruit (Cashew/Almond/Raisins) Pulses 45.13 65.61 47.59 68.41 1445.43 Cotton (Ginnining/Spinning/Weaving) Oilseeds Milk (Chilling/Cooling/Processing) 14 Potato 16.17 317.08 12.45 354.32 23459.1 Meat (Chicken/Motton/Pork/Dryfish) Green Vegetable 5.58 116.15 5.5 116.25 20974.7 Animal feed (Cattle/Poultry/Fishmeal)

17. ANIMAL POPULATION AS PER LIVESTOCK CENSUS 2012 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES

Category of animal Total Male Female Veterinary Hospitals/Dispensaries 4 Animal Markets [Nos] 4 296049 28643 [Nos] 27 Milk Collection Centres 503 Cattle - Cross bred 267406 Disease Diagnostic Centres [Nos] [Nos] Cattle - Indigenous 315213 9242 305971 Artificial Insemination Centers [Nos] 42 Fishermen Societies [Nos] 14 Buffaloes 323005 30316 292689 Animal Breeding Farms [Nos] 1 Fish seed farms [Nos] Sheep - Cross bred 435 103 332 Animal Husbandry Tng Centres [Nos] 3 Fish Markets [Nos] 3 Sheep - Indigenous 12758 4312 8446 Dairy Cooperative Societies [Nos] 176 Poultry hatcheries [Nos] 2 Goat 77866 48260 29606 Improved Fodder Farms [Nos] Slaughter houses [Nos] 2 Pig - Cross bred 1149 594 555 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 37421 14761 22660 Fish Production [MT] 12090 Per cap avail. [gm/day] Horse/Donkey/Camel 1484 Egg Production [Lakh Nos] Per cap avail. [nos/p.a.] Poultry - Cross bred Milk Production ['000 MT] Per cap avail. [gm/day] 401269 Poultry - Indigenous Meat Production [MT] Per cap avail. [gm/day]

Sources (if not mentioned against the Bihar Eco. Survey 2015, Dir. Of Economics & Statistics, GoB; District Census Handbook respective item): 6

PLP 2016-17 PATNA Banking Profile

District -Patna State -Bihar Lead Bank -Punjab National 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 Commercial Banks 35 586 154 74 358 5 306 Regional Rural Bank 1 49 31 8 10 26 District Central Coop. Bank 1 20 7 7 6 Coop. Agr. & Rural Dev. Bank 1 7 4 3 Primary Agr. Coop. Society 334 Others 2 2 2 All Agencies 374 664 192 93 379 4.43 1469 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit ('000) Agency Av Growth Av Share 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 (%) (%) Commercial Banks 493232900 584566700 649402300 14.8 97.61 Regional Rural Bank 5271900 6986500 3776900 -14.18 0.92 Cooperative Banks 18464000 2389300 2744900 -36.09 1.47 Others All Agencies 516968800 593942500 655924100 12.66 100 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan ('000) Agency Av Growth Av Share 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 (%) (%) 151545300 202330300 230835700 94.87 Commercial Banks 23.8 Regional Rural Bank 1246000 3142200 4016400 90 1.32 Cooperative Banks 18464000 679800 767000 -41.75 3.81 Others All Agencies 171255300 206152300 235619100 17.34 100 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 30.72 34.61 35.55 Commercial Banks Regional Rural Bank 23.63 44.98 106.34 Regional Rural Bank Cooperative Banks 100.00 28.45 27.94 Cooperative Banks Others Others All Agencies 33.13 34.71 35.92 All Agencies 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 % 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 58780895 50.46 17142234 14.71 Regional Rural Bank 3122048 99.07 2131293 67.63 Cooperative Banks 611902 85.64 381041 53.33 Others All Agencies 62514845 51.94 19654568 16.33 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 72690700 81325800 111.88 88717101 92884990 104.70 110000600 116498899 107.11 Commercial Banks 105.91 Regional Rural Bank 1920500 1653600 86.10 2272199 2065700 90.91 3138400 3151312 100.41 93.72 2212800 148000 6.69 768600 1143300 714523.00 20.91 Cooperative Banks 62.5 Others(SCARDB) All Agencies 76824000 83127400 108.20 91757900 94950690 103.48 114312300 120364734 105.29 105.5

Broad Sector 2012-13 2013-14 2014-15 Average 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 Term Loan (Agr) Total Agri. Credit 7427700 10304261 138.73 9313700 18648178 200.22 13960400 19654568 140.79 1.58 Non-Farm Sector 4851900 6791408 139.97 6821900 11932401 174.91 14701200 23445337 159.48 1.60 Other Priority Sector 12015900 10268438 85.46 13281100 11899707 89.60 20519500 19414940 94.62 0.91 Total Priority Sector 24295500 27364107 112.63 29416700 42480286 144.41 49181100 62514845 127.11 1.29

2012-13 2013-14 2014-15 Average Agency Demand Recovery Recovery Demand Recovery Recovery Demand Recovery [Rs. Recovery Rec. [%] in [Rs. '000] [Rs. '000] [%] [Rs. '000] [Rs. '000] [%] [Rs. '000] '000] [%] last 3 years Commercial Banks NA NA NA NA NA NA NA NA NA NA Regional Rural Bank NA NA NA NA NA NA NA NA NA NA Cooperative Banks NA NA NA NA NA NA NA NA NA NA Others(SCARDB) NA NA NA NA NA NA NA NA NA NA All Agencies NA NA NA NA NA NA NA NA NA NA

Sources : Lead Bank Office, Patna District