District Profile

District - BIRBHUM State - WEST BENGAL Division- BURDWAN

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 4511 Lower Gangetic Plain Region. A considerable area is undulating. Rocks of Agro-climatic Zone No. of Sub Divisions 3 Chhoto-Nagpur Plateau have extended into Western portion. No. of Blocks 19 Climate Temperature varies from 7°C to 43°C No. of Villages (Inhabited) 2232 Western is hard rock, red laterite, light texured, porous, gravel. Central and Soil Type No. of Panchayats 167 eastern part deposits of old and new alluvium of clay, sandy, loay. 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported [Ha] 451118 Normal 2012 2013 2014 1 Actual Forest Land [Ha] 15853 Rainfall [in mm] 1431 1 1044 1359 1137 Area Not Available for Cultivation 91771 Variation from Normal -387 -72 -294 Permanent Pasture and Grazing Land 382 Availability of Ground Water Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 1571 [Ham] 166715 152612 14103 Cultivable Wasteland 3528 5. DISTRIBUTION OF LAND HOLDING Current Fallow 143578 Holding Area Classification of Holding Other Fallow 3360 Nos. % to Total Ha. % to Total Net Sown Area 320611 <=1 Ha 200265 69 118018 39 Total or Gross Cropped Area 421420 >1 to <-2 Ha 63374 22 107246 35 Area Cultivated More than Once 90907 >2Ha 26137 9 81167 26 Cropping Inensity [GCA/NSA] 131.4 Total 289776 306431 6. WORKERS PROFILE [in 'ODD] 7. DEMOGRAPHIC PROFILE [in 'ODD] Cultivators 260955 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 263639 Population 3502 1791 1711 3054 448 Agricultural Labourers 416949 Scheduled Caste 1033 528 505 901 132 Workers engaged in Household Industries 73073 Scheduled Tribe 236 121 115 206 30 Workers engaged in Allied Agro-activities Literate 2175 1214 961 1846 329 Other workers 377520 BPL 1482 758 724 1293 189 8. HOUSEHOLDS [in 'ODD] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households]

Total Households 1 598429 I IHaving brick/ stone/ concrete houses 1 1723471 1 Rural Households 1 541660 I IHaving source of drinking water 1 492925 IHaving independent toilets 96227 1 BPL Households IHaving radio/tv sets 1 253315 I IHaving access to banking services 1 1 10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos]

Villages Electrified 2088 IAnganwadis 1 3084 [Dispensaries 1 Villages having Agriculture Power Supply IPrimary Health Centres 1 58 [Hospitals 31 Villages having Post Offices IPrimary Health Sub-Centres 470 1 425 IHospital Beds 2611 1 Villages having Banking Facilities 1788 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Villages having Primary Schools 2396 Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos] Villages having Primary Health Centres 58 Total N/P /K Consumption [MI] 42900/23000/ Pumpsets Energised [Nos] Villages having Potable Water Supply 2391 Certified Seeds Supplied [:MI] Agro Service Centres [Nos] Villages connected with Paved Approach Roads Pesticides Consumed [:MI] Soil Testing Centres [Nos] 13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 6054 Plantation nurseries [Nos] 11 Total Area Available for Irrigation (NIA + Fallow) 374707 Power Tillers [Nos] Farmers' Clubs [Nos] 202 Irrigation Potential Created 329258 Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos] 1 Net Irrigated Area(Total area irrigated at least once) 285565 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING Area irrigated by Canals / Channels 182362 Rural/Urban Mandi/Haat [Nos] 29 Wholesale Market [Nos] 3 Area irrigated by Wells 63552 Length of Pucca Road [Km] 2413 Godown [Nos] Area irrigated by Tanks 31416 Length of Railway Line [Km] 201 Godown Capacityj Mf'] 47500 Area irrigated by Other Sources 8235 Public Transport Vehicle [Nos] 685 Cold Storage [Nos] 16 Irrigation Potential Utilized (Gross Irrigated Area) 384180 Goods Transport Vehicle [Nos] 4385 Cold Store Capacity[:MI] 148873 15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS Type of Processing Activity No of units Cap.[MI] 2012-13 2013-14 Avg. Yield Crop Food (Rice/Flour/Dal/Oil/Tea/Coffee) 73 Area (Ha) Prod. (MI) Area (Ha) Prod. (MI) [Kg/Ha] Sugarcane (Gur/Khandsari/Sugar) Rice 339924 1509245 354262 1574946 4446 Fruit (Pulp/Juice/Fruit drink) Wheat 30810 91999 28720 87424 3044 Spices (Masala Powders/Pastes) Pulses 26572 21204 25137 21777 866 Dry-fruit (Cashew/Almond/Raisins) Oilseeds 32952 35901 32467 36657 1129 Cotton (Ginnining/Spinning/Weaving) Sugercane 1722 132995 1520 118282 77817 Milk (Chilling/Cooling/Processing) 5 16500 lit Potato 19120 543620 18795 438194 23314 Meat (Chicken/Motton/Pork/Dryfish) Jute 209 1 197 1 5 Animal feed (Cattle/Poultry /Fishmeal) Production ofCotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 17. ANIMAL POPULATION AS PER CENSUS 2007 [in 'ODD] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 186 Animal Markets [Nos] 6 Cattle - Cross bred 80975 Disease Diagnostic Centres [Nos] 353 Milk Collection Centres [Nos] 1 Cattle - Indigenous 984799 Artificial Insemination Centers [Nos] 248 Fishermen Societies [Nos] 20 Buffaloes 67580 Animal Breeding Farms [Nos] Fish seed farms [Nos] 2 Sheep - Cross bred Animal Husbandry Tng Centres [Nos] 1 Fish Markets [Nos] 4 Sheep - Indigenous 216888 Dairy Cooperative Societies [Nos] 42 Poultry hatcheries [Nos] Goat 943996 Improved Fodder Farms [Nos] Slaughter houses [Nos] Pig - Cross bred 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Pig - Indigenous 49177 Fish Production [:MI] 26100 Per cap avail. [gm/day] Horse/Donkey/Camel Egg Production [Lakh Nos] 233971 Per cap avail. [nosyp.a.] Poultry - Cross bred + indege 3071493 Milk Production ['ODD :MI] 119 Per cap avail. [gm/day] 101 Poultry - Indigenous 1150025 Meat Production [:MI] Per cap avail. [gm/day]

Sources (if not mentioned against the Item Nos. 1, 6, 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 No.8 - BPL respective item): 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.yDir. Banking Profile

District- BIRBHUM State - WEST BENGAL I Lead Bank- UCOBANK

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 rnFIs/rnFOs SHGs/1LGs BCs/BFs Villages Households Commercial Banks 20 183 114 69 2 18498 176 7.82 2512 Regional Rural Bank 1 67 63 4 18680 69 8.04 4755 District Central Coop. Bank 1 17 8 9 3302 9.3 2900 Coop. Agr. & Rural Dev. Bank 2 6 2 4 7 Primary Agr. Coop. Society 319 319 319 Others (WBFC) 1 1 1 All Agencies 344 593 506 87 2 40487 245 8.83 2762 2. DEPOSITS OUTSTANDING No. of accounts Amount of Deposit [RS.'OOO] Agency 31-Mar-11 31-Mar-12 31-Mar-13 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA NA NA 51422246 54566897 75059587 37.56 87.16 Regional Rural Bank NA NA NA NA NA 9350300 9849300 10839100 10.05 12.59 Cooperative Banks NA NA NA NA NA 4071565 3649116 218213 -94.02 0.25 Others NA NA NA NA NA All Agencies NA NA NA NA NA 64844111 68065313 86116900 26.52 3. LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan [RS.'OOO] Agency 31-Mar-12 31-Mar-13 31-Mar-14 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) Commercial Banks NA NA NA NA NA 19572326 21367090 26808940 25.47 82.78 Regional Rural Bank NA NA NA NA NA 3669500 5069600 5576560 10.00 17.22 Cooperative Banks NA NA NA NA NA 2264188 2183213 -100.00 Others NA NA NA NA NA 7615 7615 -100.00 All Agencies NA NA NA NA NA 25513629 28627518 32385500 13.13 4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. ot Ales) CD Ratio During 2014-15 Cumulative Agency Agency I 31-Mar-13 31-Mar-14 31-Mar-15 Deposit Credit Deposit Credit

Commercial Banks 38.06 39.16 35.72 Commercial Banks 111231 54268 861169 323855 Regional Rural Bank 39.24 51.47 51.44 Regional Rural Bank Cooperative Banks 55.61 59.83 Cooperative Banks Others Others

All Agencies 37.10 42.06 37.61 All Agencies 111231 54268 861169 323855 6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015) Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under D RI Scheme Loans to Women Agency Amount % of Total Amount % of Total Amount Amount [Rs.'OOO] % of Total Amount % of Total % of Total Loans [Rs.'OOO] Loans [Rs.'OOO] Loans [Rs.'OOO] Loans [Rs.'OOO] Loans

Commercial Banks 6875927 83.64 3877740 77.42 625710 83.64 1167532 83.64 512256 83.64 Regional Rural Bank 1344864 16.36 1130770 22.58 122383 16.36 228358 16.36 100193 16.36 Cooperative Banks Others

All Agencies 8220791 100.00 5008510 100.00 748093 100.00 1395890 100.00 612449 100.00 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 Ach'ment Ach[%] in Ach'ment [%] Target [Rs.'OOO] [Rs.'OOO] [Rs. '000] [%] [Rs.'OOO] [Rs. '000] [Rs. '000] [%] last 3 years

Commercial Banks 16865800 6168841 36.58 25493900 4017367 15.76 27682502 6875927 24.84 25.72 Regional Rural Bank 6261500 1741100 27.81 9406800 1933045 20.55 6589794 1344864 20.41 22.92 Cooperative Banks 5536900 1647899 29.76 1388700 1436194 103.42 1511307 44.39 Others 67200 73400 175923 All Agencies 28731400 9557840 33.27 36362800 7386606 20.31 35959526 8220791 22.86 25.48 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 Ach'ment Ach[%] in Ach'ment [%] Target [Rs.'OOO] [Rs.'OOO] [Rs. '000] [%] [Rs.'OOO] [Rs. '000] [Rs. '000] [%] last 3 years Crop Loan 8995000 2885579 32.08 14077002 2371502 16.85 14646172 3569628 24.37 24.43 Term Loan (Agr) 6103800 843045 13.81 5555901 517974 9.32 8481885 1438882 16.96 13.37 Total AgrL Credit 15098800 3728624 24.69 19632903 2889476 14.72 23128057 5008510 21.66 20.36 MSMESector 7862500 2523674 32.10 8591200 2750735 32.02 9237855 2204045 23.86 29.32 Other Priority Sector 4774600 2061754 43.18 4641900 687507 14.81 3593614 1008236 28.06 28.68 Total Priority Sector 27735900 8314052 29.98 32866003 6327718 19.25 35959526 8220791 22.86 24.03 9 RECOVERY POSITION 2012-13 2013-14 2014-15 Average Rec. Agency Demand [Rs. Recovery Demand [Rs. Recovery Recovery [%] in last 3 Recovery [%] Recovery [%] Demand [Rs. 1000] Recovery [%] '000] [Rs. '000] '000] [Rs. '000] [Rs. '000] years

Commercial Banks 1433420 621270 43.34 1479516 683530 46.20 1534724 693288 45.17 44.90 Regional Rural Bank 842000 413000 49.05 1267600 779600 61.50 1377600 707193 51.34 53.96 Cooperative Banks 2193732 931005 42.44 2221182 881412 39.68 #DIV/OI #DIV/O! Others

All Agencies 4469152 1965275 43.97 4968298 2344542 47.19 2912324 1400481 48.09 46.42

Sources: Lead Bank & SLBe PLP 2016-17 BIRBHUM

EXECUTIVE SUMMARY I INTRODUCTION "Accelerating the pace of capital formation in agriculture and allied sector" has been kept as the backdrop theme for preparation of this document. Besides a resource document, the PLP for 2016-17 is aimed at quantification of potential for exploitation through credit intervention and estimation of credit requirement for such exploitation, taking into account availability of infrastructure, credit absorption, capacity and strengths and weakness of rural credit institutions. The following paragraphs broadly outline the essential features of the document:-

1 Birbhum is an important district of the Rarh region and its shape looks like an isosceles triangle. It has 3 sub divisions and 19 blocks. It comes under the lower gangetic plain region with the climate being hot and dry. The soil is low alluvium and red laterite. Three fourth of the district falls under the Red and Laterite soil which is unfertile. Agriculture and allied activities form the backbone of the economy of the district, with the majority of the population dependent on it for their livelihood. Paddy, wheat, maize, oilseeds and potatos are the major crops. Rice and potato are grown in surplus whereas there is deficit production in oilseeds and pulses. The cropping intensity is 131.4%.

2 A total of 20 Commercial Banks, 1 RRB and 2 ARDBs and 1 DCCB with a total of 273 branches are operating in Birbhum. However, the operation of the DCCB has been suspended based on instructions issued by Reserve Bank of India. Accordingly, the DCCB with its network of 8 rural and 9 semi urban branches have stopped its operations. UCO Bank has 2 mobile banking facility in the district. The CD ratio of the district has since dropped to 37.61 which is a major cause of concern. A total of 245 BCs have been appointed by the CBs and the RRB. Agency wise sectoral trends in credit flow vis-a-vis the allocated target has been enumerated in Annexure II. The percentage achievements under priority sector lending for 2011-12, 2012-13, 2013-14 and 2014- 15 are 25.85%, 29.98%, 18.04% and 22.86%.

II AREA BASED SCHEMES 1 Under Water Resources the development process is weighed more in favour of exploiting ground water resources. Although Birbhum district is blessed with sufficient number of water bodies, the unavailability of water during seasons other than monsoons has been creating problems. Potential estimated under this sector is {5162.83lakh. 2 Farm mechanisation of field operations is projected to require a credit flow of {15118.61 lakh. This includes tractors, power tillers and other farm machinery i.e. power sprayer, thresher etc. Paddy Transplanter and Combined Harvester are to be popularized. 3 The horticulture development in the district, including sericulture would require a credit flow of {3446.09 lakh. Proper development of the sector would require investment in horticulture and sericulture farms to aid extension work and establishment of seed production centres and farms for supply of DFLs and plantlets. 4 The forest cover of Birbhum is about 3.5% of the total area as against the prescribed national benchmark of 10%. The credit flow projected for this sector is {374.56lakh. 5 The credit potential estimated under the Animal Husbandry sector for agriculture allied activities comprising Dairy, Poultry and Sheep Goat Piggery is to the tune of {8065.18 lakh, {13764.17lakh and {5956. 74lakh respectively. 6 Fisheries, also serve to supplement the income of the farmers. With creation of infrastructure and the initiatives taken by the Department the estimated credit flow under this sector is {3682.89lakh during the year 2016-17. 7 The potential for other allied activities viz. bullocks and bullock carts have been estimated to the tune of {1867.68lakh during the year 2016-17. 8 The development of storage infrastructure, Godowns and cold storages are a felt necessity especially in view of the distress sale and need for appropriate price realization by the producers. In view of the scope this sector offers, the credit flow has been pegged at {24064.20 Lakh. 9 In order to meet the challenges of sustaining this population with food and shelter, planned PLP 2016-17 BIRBHUM

efforts are to be made to a) increase productivity, b) bring new areas under cultivation, c) reclamation of land through soil treatment, improving drainage facilities. The credit flow estimated under Land Development is {1423.871akh. 10 To increase productivity there is a need to use quality seeds, bio fertilizer, bio pesticides and avail benefits of tissue culture. The credit flow estimated under these activities is {514.48 lakh. 11 Considering the ample opportunity in the district for setting up various Food Processing Industries to utilise the available raw material, a sum of {19003.05 lakh has been estimated towards credit flow during 2016-17. 12 Within the anciliary activities there are ample opportunity for providing loans to agricultural graduates for setting up of ACABC as also for financing of mFIs. Loans can also be provided to Cooperative societies of farmers / POs for disposing of their produce. An estimated credit flow of {1188.00 has been projected for the year 2016-17. 13 The development of secondary (MSE) including the manufacturing sector, service sector, KVI sector units and other finances under MSE are a necessity for employment generation. Industries also serve as a support system of agriculture. It also aids the process of value addition of agri produce and development of traditional activities prevalent in the district. A credit potential of {143925.30 lakh has been estimated for MSE activities during 2016-17 including both investment and working capital. 14 Export credit has been incorporated as a separate sector under priority sector. It has immense potential in the district. An initial Bank loan of {232.50 lakh has been estimated for 2016-17. 15 The importance of education in the society has been further stressed by incorporation of education as a separate sector within the items under Priority Sector. A credit potential of {2002.50 lakh has been estimated for 2016-17. 16 Housing is also included as a separate sector within the Priority sector items. The importance of housing needs no clarification. The credit potential estimated for 2016-17 is {11020.50 lakh. 17 Several renewable energy systems and products are now commercially available, and are also economically viable in comparison to fossil fuels. The banking sector has to support the development of this activity to ensure energy self-sufficiency of the country and the credit requirement has been projected at {496.30 lakh. 18 Development of women through formation of SHGs and credit linkages with the bank is taken up through partners like NGOs, Farmers Clubs by NABARD and is projected to be the ideal developmental tool to ensure access to banking services in the years to come in conjunction with socio - economic empowerment of the women and hence all round development of the district. Birbhum has been identified as a WSHG district and thereby has given impetus to this programme. Credit potential for this sector is estimated at {25405.50 lakh. 19 Importance of social infrastructure has been emphasized with its inclusion under priority sector for being financed by the Banks. A credit estimate of {3841akh has been made for 2016-17.

III INFRASTRUCTURE Infrastructure support is the key to the planned development process to be taken in immediate future. The critical infrastructure requirement for new projects in the district has been assessed at {144.89 cr alongwith the balance identified amount of {163 crore to enhance credit flow in different sectors of the district. Mainly six components of infrastructure i.e Irrigation, roads, water supply, Housing, rural electrification and telecom are to be given priority.

IV CONCLUSION In order to give a fillip to capital formation in agriculture, the agriculture term loan has been increased to 35.09% of total agriculture. The LBR submission has to improve. All the branches of the commercial banks and RRB are CBS compliant. Still there are 46 unbanked Gram Panchayats where Bank branches may be opened. The district has 229 ATMs of which 126 are in rural areas and 103 in semi urban areas. The size of the land holding in the district is very small (avg 0.71 ha) thus giving ample opportunities for financing oral lessees, tenant farmers and Joint Liability Groups (JLG). The unit cost has been revised. The scale of finance is being revised. There has also been change in the cropping pattern of the farmers with greater emphasis on plantation and Horticulture. There is a lack of entrepreneurship as also knowledge for setting up big units of dairy, piggery and goatery. On PLP 2016-17 BIRBHUM account of drying up of ponds in summer as also lack of perennial ponds the fisheries sector has not been thriving to the desired extent. The impetus of the State Government in this sector is expected to create enthusiasm among farmers. Emphasis on farm mechanization and presence of modern transportation systems have resulted in lesser requirement of bullocks and bullock carts.

BROAD SECTOR-WISE PROJECTIONS ({ Lakh) Sr.No Particulars Financial Projection A Farm Credit i Crop Production, Maintenance and Marketing 192421.24 II Term Loan for agriculture and allied activities 57438·75 Sub Total 249859·99 B Agriculture Infrastructure 26002·55 C Anciliary activities 20191.05 I Credit Potential for Agriculture (A+B+C) 296053·59 II Micro, Small and Medium Enterprises 143925·30 III Export Credit 232·50 IV Education 2002·50 V Housing 11020·50 VI Renewable Energy 496·30 VII Others 25405·50 VIII Social Infrastructure involving bank credit 384·00 Total Priority Sector (I to VIII) 479520.19 PLP 2016-17 BIRBHUM

SUMMARY OF SECTOR / SUB SECTOR - WISE PLP PROJECTIONS-2016-17 (~ Lakh) Sr.No Particulars PLP Projection 2016-17 I Credit Potentail for Agriculture A Farm Credit I Crop Production, Maintenance and Marketing 192421.24 Ii Water Resources 5162.83 Iii Farm Mechanisation 15118.61 Iv Plantation and Horticulture (including Sericulture) 3446.09 V Forestry and Waste Land development 374·56 Vi Animal Husbandry - Dairy 8065·18 Vii Animal Husbandry - Poultry 13764·17 Viii Animal Husbandry - Sheep, Goat, Piggerv etc. 5956·74 Ix Fisheries (Marine, Inland, Brackish Water) 3682.89 X Others - Bullock, Bullock cart etc. 1867·68 Sub Total 249859·99 B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, 24064·20 Godowns, Silos, Cold Storage units j Cold Storage chains) ...II Land Development, Soil conservation, Watershed development 1423·87 III Others (Tissue culture, Agri bio-technology, Seed production, 514·48 Bio pesticides j fertilisers, vermin composting) Sub Total 26002·55 C Ancillary activities i Food and Agro processing 19003·05 II Others (Loans to Cooperative Societies of farmers for disposing 1188.00 of their produce, Agri Clinicsj Agri Business Centres, Loans to PACSj FSSj LAMPS, Loans to MFIs for onlending Sub Total 20191.05 Total Agriculture 296053·59 II Micro, Small and Medium Enterprises i MSME - Working capital 53820.00 II MSME - Investment Credit 90105·30 Total MSME 143925.30 III Export credit 232·50 IV Education 2002·50 V Housing 11020·50 VI Renewable Energy 496·30 VII Others - (Loans to SHGsj JLGs, loans to distressed persons to 25405·50 prepay non institutional lenders, PMJDY, loans to state sponsored organisations for SCjST) VIII Social Infrastructure involving bank credit 384·00 Total Priority sector 479520.19