Chapter - 5 Profile of the Study Area 5 Chapter 5 Profile of the Study Area • Index : 5.1 Introduction 5.2 An overview of Ahmednagar District 5.2.1 Population status in Ahmednagar District 5.2.2 Tahsil wise Population density of Ahmednagar District 5.2.3 Tahsil wise literacy of Ahmednagar District 5.2.4 Extent of Unemployment 5.2.5 Poverty level 5.2.6 Macro economic Status 5.3 Status of Financial Inclusion in Ahmednagar District 5.3.1 Number of Bank Branches : (Annual Credit Plan, CBI, 2012-13) 5.3.2 Bank network 5.3.3 Bank penetration as per Crisil's Inclusix 5.3.4 Geographical Coverage 5.3.5 Identification of villages where in population is above 2000 5.3.6 Business Correspondents 5.3.7 Number of PACs 5.3.8 Insurance 5.3.9 Progress of NREGA in Ahmednagar District 5.3.10 KCC 5.3.11 Progress of Financial Inclusion in Ahmednagar District 5.4 Index of Financial Inclusion 5.4.1 Index of Financial Inclusion- Methodology 5.4.2 Distribution of Talukas based on Index on Financial Inclusion Score 5.4.3 Level of financial inclusion across three dimensions at a taluka level (CBI) 5.4.4 Index of Financial Inclusion 5.4.5 Financial inclusion at divisional level 5.4.6 Coefficient of Variation • Summary 141 Chapter 5 Profile of the Study Area 5.1 Introduction : The previous chapter has given clear picture of the financial inclusion in India. The successful implementation of financial inclusion plans has far reaching consequences, which can help many people come out of abject poverty conditions. Financial inclusion provides formal identity, access to payments system & deposit insurance. In this chapter the researcher will give profile of the study area and current status of financial inclusion. A researcher has to know the profile of the study area along with its geographical and socio-economic conditions and has to know the environmental situation of the study area. Thus, it is appropriate to present the focus of study on understanding its development potentials and detailed information about the emphasis on the socio-economic profile of the study area. This chapter has two sections, the first section deals with the overview of Ahmednagar District in general and the second section particularly deals with the Index of Financial Inclusion (IFI) at taluka level. 5.2 An overview of Ahmednagar District: Ahmednagar district is the largest district in area in Maharashtra comprising 14 taluka places. Ahmednagar district is on the fore-front in co-operative movement in the country owing to the strong presence of 16 Sugar factories, distilleries, spinning mills, paper mills, milk federation, dairy etc. in the co­ operative sector and a few co-operative industrial estates. The district has well road network connecting it to all the mega markets in the country. It can be said that the district is the 'Gateway' of Marathwada and Vidarbha to Mumbai. The north belt of the district is richer in water resources with the help of Godavari and Pravara rivers and south belt is dry land except few spots in Shrirampur and Pamer. Ahmednagar district has 14 tehsils viz. Ahmednagar, Akole, Jamkhed, Karjat, Kopergaon, Newasa, Parner, Pathardi, Rahuri, Sangmner, Shevgaon, Shrirampur, Shrigonda and Rahata. There are 14 Panchayat Samities, 18 cities, 1581 villages, 1 Mahanagar Palika, 8 Nagar Parishads and 1311 Gram Panchayats. 142 Chart No. 5.1 The Map of Ahmednagar District Ahmednagr is the largest district of Maharashtra State with geographical aiea of 17418 k.m., which is 5.66% of area of Maharashtia State. Out of total areas 391.5 sq. k. m. is urban area and remaining 16,656.5 sq. k. m. is rural area. Ahmednagar is centrally located in western Maharashtra. In Ahmednagar district there were 14 blocks or talukas and 1,581 villages and 1,308 gram sabhas. Ahmednagar district is the second largest economy in the five districts of Nashik Division. It contribution to the GDP of Maharashtra is 3.22 per cent. 5.2.1 Population status in Ahmednagar District: As extent of financial inclusion largely depends upon the demographics of population, the researcher has included the demographic information about the population residing in Ahmednagar district in the present study. Table No. 5.1 Population trends in Ahmednagar District Census District Population Decadal Growth Year Total Urban Rural Total Urban Rural 1961 17,75,969 1,87,315 15,88,654 +25.88 -12.41 +32.83 1971 22,69,117 2,51.500 20.17,617 +27.76 +34.76 +27.00 1981 27,08,309 3,51,368 23,56,941 +19.36 +39.29 +16.82 1991 33,72,935 5,33.481 28,39,454 +24.54 +52.14 +20.47 2001 40,40,642 8,03,697 32,36,945 +21.20 +50.56 + 15.67 2011 45,43,083 9,13,071 36,30,012 +12.43 +12.14 + 13.61 District Social and Economic Analysis. Year- 2011-12. 143 Table No. 5.2 Age-wise Group Structure of Population in A'Nagar District (2001) Sr. Age wise Rural Urban Total No. Group (Yrs.) Pop Percent Pop Percent Pop Percent 1. 0-6 484312 14.96 105394 13.12 589706 14.59 2. 7-12 617833 19.09 146733 18.25 764566 18.92 3. 15-19 308925 9.54 86325 10.74 395250 9.78 4. 20-24 267470 8.26 80296 10.00 347766 8.61 5. 25-29 240416 7.43 67075 8.34 307491 7.62 6. 30-34 228335 7.06 62032 7.72 290367 7.18 7. 35-39 218942 6.76 60512 7.53 279454 6.91 8. 40-49 323450 9.99 85695 10.66 409145 10.12 9. 50-59 203841 6.30 46981 5.84 250822 6.21 10. 60 years & above 337621 10.43 61358 7.64 398979 9.88 11. AgpNotNfeiioned 5800 0.80 1296 0.16 7096 0.18 Grand Total 3236945 100.00 803697 100.00 4040642 100.00 District Social and Economic Analysis. Year- 2011-12. The above Table 5.2 shows the age-wise group structure of population in Ahmednagar district as per census of 2001. Total population of the district was 40,40,642 out of 32,36,945 was rural and 8,03,697 was urban. Below nineteen years old children were 17,49,522 which was 43.30 per cent to total population as well as above sixty years old population was 3,98,979 which was 9.88% to total, which shows that the unproductive population was 53.18% during 2001. So far our study is concerned; we will be measuring financial inclusion by considering adult population only which means only 46.82% of population would be included in the scope of our study. • Following are the important statistics of Census 2011 1. In 2011, Ahmednagar had population of 4,543,159 of which male and female were 2,342,825 and 2,200,334 respectively. 2. In 2001 census, Ahmednagar had a population of 4,040,642 of which males were 2,083,053 and remaining 1,957,589 were females 3. Ahmednagar district population constituted 4.04 percent of total Maharashtra population. 4. In 2001 census, this figure for Ahmednagar District was at 4.17 percent of Maharashtra population. 144 5. There was change of 12.44 percent in population compared to population as per 2001 census. In the previous census of 2001, Ahmednagar District recorded increase of 19.80 percent to its population compared to 1991. 6. With regard to Sex Ratio in Ahmednagar, it stood at 939 per 1000 male compared to 2001 census figure of 940. 7. In census enumeration, data regarding child under 0-6 age were also collected for all districts including Ahmednagar. There were total 5,56,014 children under age of 0-6 against 5,89,706 of 2001 census. 8. Of the total Ahmednagar population for 2011 census, 20.09 percent lives in urban regions of the district while 79.91 percent lives in rural areas. Table No. 5.3 Ahmednagar District Taluka wise Population Taluka Population Urban Rural Ahmednagar 6,06,690 3,75,957 2,30,733 Akole 2,66,638 0 2,66,638 Jamkhed 1,34,216 27,654 1,06,562 Karjat 2,05,674 0 2,05,674 Kopargaon 2,77,170 70,830 2,06,340 Nevasa 3,26,698 0 3,26,698 Parner 2,46,552 0 2,46,552 Pathardi 2,14,872 22,827 1,92,045 Rahata 2,88,279 45,203 2,43,076 Rahuri 2,94,924 64,816 2,30,108 Sangamner 4,41,439 81,325 3,60,114 Shevgaon 2,03,676 0 2,03,676 Shrigonda 2,77,356 26,324 2,51,032 Shrirampur 2,56,458 88,761 1,67,697 Total 40,40,642 8,03,697 32,36,945 District Social and Economic Analysis. Year- 2011-12 Table no. 5.3 shows the talukawise distribution of the populationas per the 2001 census. Ahmednagar has fourteen talukas inlcuding 40,40,642 population. Out of this total population 3236945(80.1%) is living in rural areas and remaining 8,03,697 (19.9%) population lives in urban areas. Out of fourteen five talukas have zero urban population (viz. Akole, Newasa, Shevgaon, Rahuri and Karjat). However, the distribution of population in district is uneven. Majority of the population is living in Nagar taluka (15.0%), followed by Sangamner (10.9%). 145 5.2.2 Tahsil wise Population density of Ahmednagar District: Tahsil wise Population density of Ahmednagar District The term population density refers to the number of persons per square kilometer.