Executive Summary Ramban District Is Part of the Dry Rain-Fed Region Of

PLP 2016-17 District - Ramban Executive Summary Ramban district is part of the dry rain-fed region of Jammu Division. Ramban district is generally a mountainous terrain and agriculture in the district is mostly rain fed with not more than 10% agricultural area having assured irrigation. Persistent drought, scattered land holdings and erosion of top soil aggravate the problems of farmers in the district. The prevailing climatic conditions allow only mono-cropping in most parts of the district. Poor road network, transport facilities and accessibility are one of the major constraints behind outreach of the rural people to the development interventions undertaken by various agencies in the district. The district has total 30 number of branches of which 13 are rural and 17 are semi-urban branches. State bank of India is the Lead Bank of the district. C:D ratio of Ramban district is 26%. Total flow of Ground Level Credit (GLC) under priority sector was Rs.69.39 crore, 63.94 crore, and Rs. 73.04 crore, during 2012-13, 2013-14 and 2014-15, respectively. District Credit Plan showed achievement of 91.71 %, 75.50% and 68.97%, over same period. Share of agriculture credit in total GLC during the past three years was 19.52 %, 38.71 % and 34.38 %, respectively. The projections of Potential Linked Credit Plan (PLP) of Ramban district for 2016-17 are assessed at Rs. 162.03 crore. Sector wise coverage of credit potential is indicated as under: Rs. 60.21 crore for Agriculture (Farm credit, Agriculture infrastructure and Ancillary activities), Rs. 56.15 crore for MSME (including medium enterprises, Rs. 7.41 crore for Education, Rs.27.45 crore for Housing, Rs. 6.59 crore for Social Infrastructure, Rs. 0.14 crore for Renewable Energy, and Rs. 4.04 crore for Others. Major constraints likely to affect the translation of potential for institutional credit assessed under the PLP-2016-17 into actual flow of GLC in various sectors are presented as : poor outreach of development programmes of State and Central Government, poor bank branch network, low spread of BCs, lack of SHPIs, lack of basic rural infrastructure facilities, apathy of farmers/ rural people towards banks, lack of coordination among agencies, absence of Crop Insurance facilities due to poor infrastructure and awareness, lack of off-farm skills and facilities for rural industrial entrepreneurship, etc. Suggested action points to overcome the adverse impacts of constraints are as under: social mobilization, mass awareness creation, skill development drives, enhancing coordination among agencies, financial literacy camps, etc. NABARD has initiated steps in this direction by promotion of SHGs, Area Development Schemes, organizing FPOs, etc. Thrust areas planned in the district for 2016-17 are: promotion of SHGs, JLGs, FPOs, etc. which require optimum coordination among all agencies and stakeholders in the district. Needless to mention, the district requires adequate capital formation in the desired/ priority sectors to meet aspirations/ requirements of the local population to ensure inclusive growth of all. Effective monitoring and review of implementation of PLP and Annual Credit Plan through DCC/ DLRC and BLBC meetings is required to achieve the stated objective of inclusive growth. 9 PLP 2016-17 District - Ramban Broad Sector wise PLP projections 2016-17 S. No. Particulars PLP Projections 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 1670.06 ii Term Loan for agricukture and allied activities 4067.28 Sub Total 5737.34 B Agriculture Infrastructure 164.57 C Ancillary Activities 119.96 I Credit Potential for Agriculture (A+B+C) 6021.87 II Micro, Small and Medium Enterprises 5615.5 III Export Credit 0 IV Education 741.6 V Housing 2745.5 VI Renewable Energy 14.74 VII Others 404.3 VIII Social Infrastructure involving Bank Credit 659.52 Total Priority Sector (I to VIII) 16203.03 10 PLP 2016-17 District - Ramban SUMMARY OF SECTOR/SUB- SECTOR WISE PLP PROJECTIONS - 2016-17 (` lakh) S.No. PARTICULARS PLP Projection 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 1670.06 ii Water Resources 290.88 iii Farm Mechanisation 195.63 iv Plantation and Horticulture 2057.00 v Forestry and Waste Land Development 32.74 vi Animal Husbandry – Dairy Development 836.33 vii Animal Husbandry – Poultry Development 105.40 viii Animal Husbandry – Sheep, Goat and Piggery 485.94 Development ix Fisheries Development 16.83 x Others - Bullock, Bullock cart etc 46.53 SUB TOTAL 5737.34 B Agriculture Infrastructure i Storage Facilities 104.35 ii Land Development, Soil Conservation, Wasteland 60.22 Development iii Others - Tissue culture, Agri bio-technology, Bio pesticides/fertilizers, vermin composting SUB TOTAL 164.57 C Ancillary Activities i Food and Agro Processing 119.96 ii Others -Loans to Coop Societies, Agri Clinic/Agri 0.00 Business Centres, Loans to PACS/LAMPS/MFI SUB TOTAL 119.96 TOTAL AGRICULTURE 6021.86 II Micro, Small and Medium Enterprises i MSME - Investment Credit 5089.58 ii MSME - Working Capital 526.13 TOTAL MSME 5615.70 III Export Credit 0.00 IV Education 741.60 V Housing 2745.50 VI Renewable Energy 14.74 VII Others - Loans to SHG, JLG, PMJDY etc 404.33 VIII Social Infrastructure involving Bank Credit 659.52 TOTAL PRIORITY SECTOR 16203.24 11 PLP 2016-17 District - Ramban 12 .

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