1 EXECUTIVE SUMMARY the PLP for 2016-17 Has Been

PLP : 2016-17 Yavatmal District EXECUTIVE SUMMARY

The PLP for 2016-17 has been prepared with reference to the Base PLP - 2012-17 and based on a realistic sectoral analysis. RBI has revised the Priority Sector Lending (PSL) norms vide circular dated 23 April 2015. Priority Sector has been classified 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. In view of the changes brought out by RBI in the coverage, composition and classification of activities covered under PSL, the composition and content of PLP document have been revised so as to align with the revised guidelines on PSL.

1. Theme of the PLP – 2016-17

Theme for PLP 2016-17 continued to be “Accelerating the pace of capital formation in agriculture and allied sector”. Importance of capital formation in agriculture and allied sector for increasing the production and productivity and also income level of rural people need not be emphasized. It is, however, observed that capital formation in agriculture is not taking place to a desired level. A growth of at least 25% is expected in disbursement of agriculture term loan.

2. Specific characteristics of Yavatmal district

Yavatmal district is an agrarian district in the Vidarbha region of Maharashtra. The total population of the district as per the 2011 census is 27.75 lakh, which showed growth of 12.90% over that of 2001 census. The district accounts for 2.47 % of state population. With per capita income at ` 66,287 as compared ` 1,17,091 for the state during 2013-14, the district occupied 30th place in the state and last place in Amravati Division. The GDDP of the district at current prices was ` 20,481 crore (1.36% of state GSDP) during 2013-14. Average annual rainfall of the district is 911 mm. The gross area under cultivation during the year 2014-15 was 10.02 lakh ha. Of this, 0.55 lakh ha i.e. 5.49% of gross cropped area was under irrigation. The cropping intensity was 114% during 2014- 15. Main crops grown are cotton, soyabean, tur & other pulses, jowar and oilseeds. Soyabean has emerged as a diversified crop. Large scale dependence on cotton cultivation by farmers over the years, low level of irrigation, lack of diversification, low farming income and indebtedness have resulted in extreme steps like suicides by farming community. However, the implementation of the packages announced by the Hon'ble PM and the State Government involving various developmental schemes, Debt Waiver and Debt Relief schemes by GoI and GoM along with credit expansion by banks are addressing these issues.

3. Credit flow for last 3 years

During last 3 years, average achievement of overall ACP targets by banks was 82%. Credit flow for priority sector was ` 1663.84 crore in 2012-13 (92% of ACP); ` 1730.99 crore in 2013-14 (75 % of ACP) and ` 2024.89 crore in 2014-15 (78% of ACP). However, crop loan disbursement has stagnated to around ` 1000 crore in past few years. Though disbursement under agriculture term loan jumped to ` 254 crore in 2012-13, it came down to ` 121 crore in 2013-14 much below the ACP target but then increased to ` 203.41 crore during 2014-15. Achievements under non-farm sector have been more than 100% of ACP target during 2012-13 to 2014-15. Disbursement for OPS also grew from ` 365 crore in 2012-13 to ` 454 crore in 2013-14 and ` 569 crore in 2014-15. For the year

PLP : 2016-17 Yavatmal District 2015-16, total ACP target of ` 2828 crore is assigned to banks which comprise of ` 1704 crore of crop loan, ` 444 crore for ATL, ` 144 crore for MSME/ NFS and ` 535 crore under OPS.

4. Banking network and performance

Yavatmal district has a network of 254 bank branches covering all its 16 blocks with 160 Rural Branches and 94 Semi-urban branches. Yavatmal DCCB has largest network with 89 branches while VKGB has 25 branches. Commercial Banks altogether have 140 branches in the district including 13 branches of Private Sector Banks. CBs accounted for 65% share in total deposits while share of DCCB and VKGB was 29% and 6% respectively. In loan outstanding, share of CBs, DCCB and VKGB was 62%, 34% & 4% respectively. As on 31.03.2015, overall CD ratio of the district was 80% but for VKGB it was 52%.

5. Potential projections for 2016-17

For the year 2016-17, total projection of ` 3047 crore has been made for the district. Projection for crop loan has been worked out as ` 1790.51 crore. Aggregate projection for ATL is arrived at ` 403.08 crore. Among the major sectors under ATL are Water Resources (` 125 crore), Farm Mechanisation (` 114 crore), Dairy (` 63 crore) and Goatery (` 46 crore). Projection for Agri infrastructure including storage facilities is assessed as ` 60 crore. Under Ancillary activities including Food/ Agro processing, projection is ` 29 crore. Projection for MSME sector has been enhanced to ` 141 crore considering the increasing awareness and interest, particularly among educated youth, to set up MSME units and good support from banks for the sector. Projections for export, education and housing are assessed as ` 3.50 crore, ` 69 crore and ` 117 crore respectively whereas for Renewable energy it is ` 1.95 crore. Projection under `Others` which include loans for SHG/JLG, PMJDY, Transport operators, Retail trade, Professionals, etc. is arrived at ` 422 crore. For social infrastructure involving bank credit, projection of ` 10 crore is made.

6. Major constraints/ suggested action points

i. Crop Loan : The extension machinery, input supply mechanism and market support need further strengthening. Farmers need to be educated for taking up mixed crops/ crop rotation and be organized in Producers’ Group. Banks should increasingly finance for drip & sprinkler sets, shadenets, warehouses, etc. and also cover landless farmers through JLGs.

ii. Minor Irrigation (MI)/ Farm Mechanisation (FM) : Individual LIS should be preferred over cooperative LIS to exploit surface water potential. Model structures for rainwater harvesting may be introduced to conserve water. Use of small tractors (25/35 HP), low cost threshers should be encouraged for small farm operations. Banks should meet increasing demand of credit for capital formation in agriculture.

iii. Plantation and Horticulture : Agriculture Dept may encourage use of shadenet and promote floriculture as a commercial activity. A dedicated wing for horticulture with specialized technical staff need to be created in Agri. Dept.

iv. Animal Husbandry: Availability of good quality milch animals may be ensured by setting up of breeding farm in the district. Milk procurement and marketing infrastructure needs to be improved and closed dairy societies should be revived. Commercial cultivation of fodder may be encouraged. Banks should adopt area based approach for financing dairy in clusters with backward and forward linkages. For 2

PLP : 2016-17 Yavatmal District poultry development, a hatchery may be set up for better availability of DOC. Further, backyard poultry should be promoted through SHGs/ JLGs. Goatery is the most popular small animal activity. Absence of goat breeding farm and inadequate pastures/ fodder development are major constraints which need to be addressed.

v. Storage Facilities : Scientific assessment of taluka-wise storage capacity required should be carried out. Negotiable Warehouse Receipt System may be promoted. APMCs should develop facilities for grading, processing and marketing of agri produce.

vi. Land Development : Farmers may be made aware of the benefits of land development and improved technology/ farming practices. Farm ponds and other water harvesting structures would enable the farmers to take suitable second crop. vii. MSME : Single window system for various licences and clearances should be adopted for setting up of enterprises. Matured SHGs, rural youth trained by R’SETI/ MCED/MITCON should be supported for establishing tiny industries. Food/ Agro processing units like Dal mills, Flour mills, etc. may be encouraged through Farmers’ Groups, SHGs, entrepreneurs, etc. Banks may ensure timely and adequate credit / working capital for new as well as existing units.

viii. Other Priority Sector and Micro Finance : There is increased demand for consumer & educational loans and also conducive environment for small sector service providers. Credit to rural students for undergoing technical courses in polytechnic colleges should be made hassle free to address the growing demand for technicians/ skilled workers in time to come. Yavatmal is one of the major districts for SHG credit linkage in the state. More emphasis is needed on activities like repeat finance, support for micro enterprises, formation of SHG federation, and promotion/ credit linking of Joint Liability Groups (JLGs).

7. Area Based Schemes

Two area based schemes have been formulated for implementation in the district. First schemes is for ‘Dairy Development in 43 villages of Umarkhed, Kalamb and Babhulgaon blocks’. Under the scheme, 11 clusters of dairy with 675 units each of 2 milch animals will be promoted. TFO of the scheme is arrived at ` 742.50 lakh and bank loan would be ` 631.12 lakh. The second scheme is for ‘Goatery with backyard poultry in 60 villages of Pusad, Digras, Ghatanji and Ner blocks’. It envisages promotion of 15 clusters with 1200 units of 10 goats coupled with 20 poultry birds in each unit. It involves financial outlay of ` 720 lakh and bank loan of ` 612 lakh. Both these schemes aim at increasing production of milk and meat in the district and provide additional source of income to rural poor.

8. New Initiatives and Thrust Areas

Yavatmal is one of the districts wherein banks have to provide loans at 4% to eligible women SHGs under NRLM. NABARD is entrusted with developing 2,000 Producers’ Organizations across the country for which a sum of ` 200 crore under PRODUCE fund is allocated. Also, a special fund of ` 2000 crore is set up in NABARD to make available affordable credit to agro processing units/ Food Parks. All these measures would encourage SHG financing in the district and also give a boost to formation of Producers’ Organisations of farmers and setting up of agro/food processing units. Additionally, promotion of drip & sprinkler irrigation, shadenets, dairy & goatery, construction of warehouses, financing to JLGs are identified as thrust areas for the district. 3

PLP : 2016-17 Yavatmal District

9. Critical Infrastructure

The district has large number of roads which require to be strengthened/ repaired. Also, number of irrigation projects need to be completed. There is need for setting up of soil testing labs, seed & fooder production plants, marketing/ certifying facilities for organic farm products, food park, goat & poultry slaughter/ processing units, goat breeding farm, etc. by the State Govt. Besides, rural godown, cold storages, milk processing units etc. may be supported through private investment.

10. Conclusion PLP projections can be translated into reality only if there is a coordinated approach among all the stakeholders. Enhancing capital formation in agriculture and allied sectors, strengthening of SAMIS reporting system, better monitoring and review at BLBC/ DLCC meetings, ensuring financial inclusion, etc. are the major areas which need to be given focused attention.

PLP : 2016-17 Yavatmal District Broad Sector-wise PLP Projections - 2016-17

State : Maharashtra District : Yavatmal (` Lakh) S. Particulars PLP No. Projections 2016-117 A Farm Credit i Crop Production, Maintenance and Marketing 179051.50 ii Term Loan for agriculture and allied activities 40307.68 Sub Total 219359.18 B Agriculture Infrastructure 5985.78 C Ancillary activities 2929.22 I Credit Potential for Agriculture (A+B+C) 228274.18 II Micro, Small and Medium Enterprises 14134.96 III Export Credit 350.00 IV Education 6885.00 V Housing 11687.50 VI Renewable Energy 195.18 VII Others 42172.50 VIII Social Infrastructure involving bank credit 1001.25 Total Priority Sector (I to VIII) 304700.57

BROAD SECTOR‐WISE PLP PROJECTIONS 2016‐17

MSME OPS (`623 cr) (`141 cr) 20% 5% Crop Loan ` ATL+ ( 492 cr) (`1790 cr) 16% 59%

PLP : 2016-17 Yavatmal District Summary of Sector / Sub-sector wise PLP Projections - 2016-17 State : Maharashtra District : Yavatmal (` Lakh) S. Particulars PLP-Projections No. 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 179051.50 ii Water Resources 12515.50 iii Farm Mechanization 11442.43 iv Plantation and Horticulture (including Sericulture) 1740.61 v Forestry and Waste Land Development 810.27 vi Animal Husbandry - Dairy 6353.72 vii Animal Husbandry – Poultry 1172.84 viii Animal Husbandry – Sheep, Goat, Piggery 4626.45 ix Fisheries 235.45 x Others – Bullock, Bullock Carts, etc. 1410.41 Sub Total 219359.18 B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, 3997.50 Godowns, Silos, Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed development 1458.40 iii Others (Tissue culture, Agri bio-technology, Seed production, 529.88 Bio pesticides/ fertilizers, Vermin composting) Sub Total 5985.78 C Ancillary Activities i Food and Agro processing 2806.02 ii Others (Loans to Coop.Societies of farmers for disposing of 123.20 their produce, ACABC, Loans to PACS / FSS/ LAMPS, MFIs) Sub Total 2929.22 Total Agriculture 228274.18 II Micro, Small and Medium Enterprises i MSME – Working capital 4120.88 ii MSME – Investment credit 10014.08 Total MSME 14134.96 III Export Credit 350.00 IV Education 6885.00 V Housing 11687.50 VI Renewable Energy 195.18 VII Others (Loans to SHGs/ JLGs, distressed persons to prepay 42172.50 non-institutional lenders, PMJDY, state sponsored orgs.for SC/ST) VIII Social Infrastructure involving bank credit 1001.25 Total Priority Sector 304700.57

PLP : 2016-17 Yavatmal District

PLP : 2016-17 Yavatmal District District Profile

District - Yavatmal State - MaharashtraDivision - Amravati

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 13584 Agro-climatic Zone Western Plateau and Hills Region - Plateau Zone South No. of Sub Divisions 7 No. of Blocks16 Climate Semi Arid to Dry Sub-Humid No. of Villages (Inhabited) 1856 Soil Type Medium Black, Shallow Black No. of Panchayats 1208 3. LAND UTILISATION [ha] 4. RAINFALL & GROUND WATER Total Area Reported 1351966 Normal 2012-13 2013-14 2014-15 Actual Forest Land 218059Rainfall [in mm] 911 906 1366 670 Area Not Available for Cultivation102737 Variation from Normal -5 455 -241 Permanent Pasture and Grazing Land 30525 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 20352 Water [Ham] 136801 42183 83139 Cultivable Wasteland 34809 5. DISTRIBUTION OF LAND HOLDING Current Fallow 14182 Holding Area Classification of Holding Other Fallow 30193 Nos. % to Total Ha. % to Total Net Sown Area875000 <= 1 Ha 28640 7 15232 2 Total or Gross Cropped Area999000 >1 to <=2 Ha 161227 39 198030 23 Area Cultivated More than Once124000 >2 Ha 227535 54 640172 75 Cropping Inensity [GCA/NSA]114 Total 417402 100 853434 100 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Cultivators 417 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 189 Population 2775 1425 1350 2176 599 Agricultural Labourers 556 Scheduled Caste 328 167 161 261 67 Workers engaged in Household Industries 15 Scheduled Tribe 514 261 253 478 36 Workers engaged in Allied Agro-activities 13 Literate 2239 1262 978 1695 543 Other workers 241 BPL 1176 -- -- 1001 175 8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households] Total Households 647 Having brick/stone/concrete houses -- Having electricity supply 396 Rural Households 515 Having source of drinking water 647 Having independent toilets 163 BPL Households 257 Having access to banking services 647 Having radio/tv sets 415 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos] Villages Electrified 1856 Anganwadis 2852 Dispensaries 147 Villages having Agriculture Power Supply 1856 Primary Health Centres 63 Hospitals 100 Villages having Post Offices 373 Primary Health Sub-Centres 435 Hospital Beds 1907 Villages having Banking Facilities 1856 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 1856 Fertiliser/Seed/Pesticide Outlets [Nos] 1685 Agriculture Pumpsets[Nos] 96360 Villages having Primary Health Centres 1856 Total N/P/K Consumption [MT] 255465 Pumpsets Energised [Nos] 88460 Villages having Potable Water Supply 1119 Certified Seeds Supplied [MT] 17132 Agro Service Centres [Nos] 13 Villages connected with Paved Approach Roads 1832 Pesticides Consumed [MT] 356 Soil Testing Centres [Nos] 5 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 6925 Plantation nurseries [Nos] 13 Total Area Available for Irrigation (NIA + Fallow) 415600 Power Tillers [Nos] 9895 Farmers' Clubs [Nos] 302 Irrigation Potential Created 205104 Threshers/Cutters [Nos] 3940 Krishi Vigyan 1 Net Irrigated Area(Total area irrigated at least once) 45800 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 12725 Rural/Urban Mandi/Haat [Nos] 42 Wholesale Market [Nos] 17 Area irrigated by Wells 27750 Length of Pucca Road [Km] 7886 Godown [Nos] 535 Area irrigated by Tanks - Length of Railway Line [Km] 149 Godown Capacity[MT] 181750 Area irrigated by Other Sources - Public Transport Vehicle [Nos] 15170 Cold Storage [Nos] 1 Irrigation Potential Utilized (Gross Irrigated Area) 54738 Goods Transport Vehicle [Nos] 20776 Cold Store Capacity[MT] 100 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MT] 2013-14 2014-15 Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) 155 16260 Area (ha) Prod. (MT) Area (ha) Prod. (MT) [kg/ha] Sugarcane (Gur/Khandsari/Sugar)4 10000 Cotton 369891 297762 442600 486800 788 Fruit (Pulp/Juice/Fruit drink)- - Soybean 356420 203516 301700 101975 1069 Spices (Masala Powders/Pastes) 79 8450 Arhar (Tur) 87004 64383 92300 21229 825 Dry-fruit (Cashew/Almond/Raisins) 2 12 Jawar 47020 12131 29800 11860 763 Cotton (Ginnining/Spinning/Weaving)84 6500 Wheat 34495 30663 31280 28550 1349 Milk (Chilling/Cooling/Processing)6 51 Gram (Harbhara) 140567 80927 62359 35400 951 Meat (Chicken/Motton/Pork/Dryfish)- - Mug 7257 4100 2600 502 598 Animal feed (Cattle/Poultry/Fishmeal) 5 350 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] 46 Animal Markets [Nos] 6 Cattle - Cross bred 21.84 4.95 16.89 Disease Diagnostic Centres [Nos] 82Milk Collection Centres 4 Cattle - Indigenous 698.36 365.06 333.30 Artificial Insemination Centers [Nos] 201 Fishermen Societies [Nos] 166 Buffaloes 96.22 10.32 85.90 Animal Breeding Farms [Nos] - Fish seed farms [Nos] 2 Sheep - Cross bred - - - Animal Husbandry Tng Centres [Nos] 2 Fish Markets [Nos] 16 Sheep - Indigenous 24.49 4.86 19.63 Dairy Cooperative Societies [Nos] 712 Poultry hatcheries [Nos] - Goat 299.26 66.94 232.32 Improved Fodder Farms [Nos] - Slaughter houses [Nos] 30 Pig - Cross bred - - - 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 3.39 1.28 2.11 Fish Production [MT] 5350 Per cap avail. [gm/day] 5 Horse/Donkey/Camel 1.18 0.52 0.660 Egg Production [Lakh Nos] 285 Per cap avail. [nos/p.a.] 10 Poultry - Cross bred 194.80 87.66 107.14 Milk Production ['000 MT] 136 Per cap avail. [gm/day] 134 Poultry - Indigenous 445.29 133.59 311.70 Meat Production [MT] --Per cap avail. [gm/day]

Item Nos. 1 to 11, 14 & 16 - Dir. of Eco. & Stat./ Dept. of Agr; Item No. 13 - Dept. of Irrigation, Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 17 - AH Sources (if not mentioned against the Census 2007; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat. respective item):

Yavatmal is an industrially backward district and its economy is primarily based on agriculture and allied activities. Being a rainfed agriculture district, only kharif crop is cultivated by majority of the farmers. The district has agro based industries like Ginning 8

PLP : 2016-17 Yavatmal District Banking Profile

District - Yavatmal State - Maharashtra Lead Bank - Central Bank of India

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 20 140 72 68 - 4 18410 73 13 4621 Regional Rural Bank 1 25 17 8 - - 4554 59 12 1325 District Central Coop. Bank 1 89 71 18 - - 5261 - 21 7270 Coop. Agr. & Rural Dev. Bank ------Primary Agr. Coop. Society 595 595 595 - - - - - Others -----1 - - All Agencies 22/595 254 160 94 - 5 28225 132 72547 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [` '000] 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 1186515 1310218 1490845 26 55 30796400 34474100 40807000 33 64 Regional Rural Bank 160412 175,143 178,512 11 7 3692000 3706700 3947700 7 7 Cooperative Banks 845318 902165 1007920 19 38 13679800 16114800 17907700 31 29 Others ------All Agencies 2192245 2387526 2677277 22 100 48168200 54295600 62662400 30 100 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [` '000] 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 204536 216847 240218 17 45 22486600 26613300 31241100 39 59 Regional Rural Bank 38598 40265 42195 9 9 1670800 1811400 2037400 22 4 Cooperative Banks 230645 227956 229563 0 47 16219600 16028100 17073800 5 36 Others ------All Agencies 473779 485068 511976 8 100 40377000 44452800 50352300 25 100 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 73 77 77 Commercial Banks 40255 4875 125557 58484 Regional Rural Bank 45 49 52 Regional Rural Bank 11531 948 47039 10688 Cooperative Banks 119 99 95 Cooperative Banks 5422 462 80977 29964 Others --- Others - --- All Agencies 84 75 80 All Agencies 57208 6285 253573 99136 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 [` '000] Loans [` '000] Loans [` '000] Loans [` '000] Loans [` '000] Loans Commercial Banks 23259600 61 12841600 51 3635900 69 103000 100 3615500 88 Regional Rural Bank 1629100 4 1195000 5 652100 12 --380100 9 Cooperative Banks 13532600 35 11320500 45 1011200 19 --135100 3 Others ------All Agencies 38421300 100 25357100 100 5299200 100 103000 4130700 100 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 [` '000] [` '000] [%] [` '000] [` '000] [%] [` '000] [` '000] [%] last 3 years Commercial Banks 9673436 9607000 99 12999900 10833900 83 13951600 14642700 105 96 Regional Rural Bank 1309416 1061400 81 1567500 932700 60 1893900 945300 50 62 Cooperative Banks 7007385 5970000 85 8397200 5543300 66 10140700 4660900 46 63 Others ------All Agencies 17990237 16638400 92 22964600 17309900 75 25986200 20248900 78 81 8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS 2012-13 2013-14 2014-15 Average Broad Sector Target Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach[%] in [`.'000] [`.'000] [%] [`.'000] [`. '000] [%] [`.'000] [`. '000] [%] last 3 years Crop Loan 11064508 9488200 86 13884800 10143100 73 15930100 9130400 57 70 Term Loan (Agr) 2590740 2537100 98 2965300 1209300 41 3521200 2034100 58 64 Total Agri. Credit 13655248 12025300 88 16850100 11352400 67 19451300 11164500 57 69 Non-Farm Sector 592627 961600 162 1155000 1412500 122 1251900 3424500 274 193 Other Priority Sector 3742362 3651500 98 4959500 4545000 92 5253000 5689800 108 100 Total Priority Sector 17990237 16638400 92 22964600 17309900 75 25956200 20278800 78 81 9. RECOVERY POSITION 2012-13 2013-14 2014-15 Average Agency Demand Recovery Recovery Demand Recovery Recovery Demand Recovery Recovery Rec. [%] in [`. '000] [`. '000] [%] [`. '000] [`. '000] [%] [`. '000] [`. '000] [%] last 3 years Commercial Banks 9340928 5884785 63 10461839 5963248 57 11554321 6354877 55 58 Regional Rural Bank 2054700 1599100 78 2283100 1874300 82 2420900 1815675 75 78 Cooperative Banks 11425961 3166300 28 13023900 2746500 21 15011800 2852242 19 22 Others ------All Agencies 22821589 10650185 47 25768839 10584048 41 28987021 11022794 38 42

Sources : Lead Bank, ACP 2015-16 & Controlling offices of banks

The district has total 254 bank branches, which includes 140 CB branches, 89 DCCB branches and 25 VKGB branches. All these branches are in Rural (160) and Semi-urban