PLP 2016-17 District: Devbhoomi Dwarka EXECUTIVE SUMMARY A. Introduction Devbhoomi Dwarka is primarily an agricultural district with Ground Nut as the predominant crop. The other major crops cultivated are Cotton, Cumin, Gram, Coriander, Wheat, Til , Garlic and Onion etc. About 48% of land holdings are with small and marginal farmers and the average size of the holdings is 2.76 Ha. The Potential Linked Credit Plan (PLP) for 2016-17 has been prepared aligning with the revised RBI guidelines on Priority Sector Lending. It estimates credit flow of Rs 86048.17 lakh, of which, Crop Production sector has a major share of 81.63% at Rs.70247.42 lakh. Term loan under agriculture is assessed at Rs 8744.28 lakh accounting for about 10.16 % of total PSL.Under MSME, Rs.3939.80 lakh has been assessed as potential forming 4.5 % and balance at Rs 3116.67 lakh has been estimated for other sectors like Export credit , Education, Housing, etc. The activity-wise and block-wise assessment of potential is presented in Annexure I. The PLP projection for 2016-17 is higher by Rs.13987.97 lakh when compared to the PLP for the year 2015-16 representing an increase of 19.41 %. Further, the PLP projection is higher by Rs 10962.03 lakh when compared to the ACP target for the year 2015-16. Suggested action Points in respect of major sectors and infrastructure/non-credit inputs are as under: B. Sector-wise comments on major sectors 1. Crop Production, Maintenance and Marketing The district with gross cropped area of 247678 ha has a cropping intensity of 104%. The net sown area is 238370 Ha. The land holding indicates 43238 land holders (small and marginal farmers) having land upto 2 hectares and 46518 land holders (medium sized) having holding between 2 to 10 Hectares. There is urgent need for popularization of micro irrigation techniques among farmers and improvement in quality extension services to farmers by state department. There a greater need for creating awareness among farmers for soil & water analysis for application of balanced nutrients as well judicious use of fertilizer. Banks may adopt Rupay KCC as an effective credit delivery mechanism and educate the farmers to subscribe to crop insurance schemes. 2. Water Resources and Land Development The district is devoid of perennial rivers. The rivers in Devbhoomi Dwarka district are seasonal. There are 2 medium and 13 minor irrigation projects in the district which have capacity to provide irrigation to 11290 ha of command area. The major proportion of irrigation is done through dug wells. Artificial recharge measures through construction of rain water harvesting structures like rain water storage tanks, percolation tanks, farm ponds, check dams etc. will have to form an integral part of the minor irrigation development. Department of Agriculture may organise farmers’ meet to promote micro irrigation scheme for Ground Nut and Cotton through GGRC with bank loans as these two crops occupies major land share. Govt may consider inclusion of pressure irrigation technique under Sauni Yojana for provision of irrigation water to field from distributory & field channels. The installation of micro irrigation system may be pre condition for the beneficiaries for availing irrigation for judicious use. There is a need for conserving soil moisture security so that “more crop per drop” can be achieved. 3. Plantation and Horticulture Horticulture crops could be encouraged as an alternative to the traditional cropping pattern in the district. 1 PLP 2016-17 District: Devbhoomi Dwarka Vigorous promotion efforts for drip irrigation in horticultural crops by converging GGRC subsidy programme for horticulture crops. Bank managers/officials may have to be imparted skills for appraisal of area based programme of Horticulture crops especially for net house & poly houses. Horticulture department may generate awareness, provide training and extension to the stakeholders for organic for organic farming produce & it’s certification. 4. Animal husbandry Government support is required for setting up of breeding farm in the district so that good quality animals will be available to farmers. Banks may encourage dairy development by adopting area based approach for financing in clusters and taking into account the location of chilling/ processing plants and other linkages. Banks may play major role in financing for dairy activities through SHGs. Calf rearing may be encouraged on a large scale with the help of bank finance by identifying suitable beneficiaries with the active involvement of Department of Animal Husbandry/ Dairying C. Highlights of Developments, initiatives taken, achievements, specific prescriptions etc. GoI has established the National Adaptation Fund on Climate Change (NAFCC) with a budget provision of Rs.350 crores for the year 2015-16 and 2016-17. NABARD has been appointed as National Implementing Entity (NIE) responsible for implementation of adaptation projects under the Fund. To ensure effective price protection to the farmer, National Agricultural Market being proposed can be a solution backed by adequate storage facilities. D. Thrust areas for 2016-17 such as JLG/SHG financing, post–harvest infrastructure, food processing, Producer Organizations, Area Development Plans/Schemes, etc. E. Conclusion The major driver of private sector capital formation is investment credit. Immediate thrust is required to raise its share in the total agriculture credit. The document, has therefore, been prepared with emphasis on accelerating the pace of capital formation in agriculture and allied sectors. This goal can be achieved with the coordinated efforts of all the stakeholders. 2 PLP 2016-17 District: Devbhoomi Dwarka Broad Sector wise PLP Projections 2016-17 (Rs in lakhs) Sr. PLP Projections No. Particulars 2016-17 A Farm Credit i Crop Production, Maintenance and Marketing 70247.42 ii Term Loan for agriculture and allied activities 5198.89 Sub Total 75446.31 B Agriculture Infrastructure 999.39 C Ancillary activities 2546.00 I Credit Potential for Agriculture (A+B+C) 78991.70 II Micro, Small and Medium Enterprises 3939.80 III Export Credit 400.00 IV Education 414.00 V Housing 1080.00 VI Renewable Energy 22.16 VII Others 761.76 VIII Social Infrastructure involving bank credit 438.75 Total Priority Sector (I to VIII) 86048.17 Priority Sector Lending (Rs in Lakh) Other priority sector, 3116.67, 4% MSME, 3939.80, 4% Agril & Alllied Activities, 8744.28, 10% Crop Loan Agril & Alllied Activities MSME Other priority sector Crop Loan, 70247.42, 82% 3 PLP 2016-17 District: Devbhoomi Dwarka Summary of Sector / Sub-sector wise PLP projections - 2016-17 (₹.lakhs) Sr No Particulars PLP Projections 2016-17 I Credit Potential for Agriculture A Farm Credit i Crop Production, Maintenance and Marketing 70247.42 ii Water Resources 1405.56 iii Farm Mechanisation 2004.20 iv Plantation and Horticulture 269.96 v Forestry and Waste Land Development 16.13 vi Animal Husbandry – Dairy 290.62 vii Animal Husbandry – Poultry 49.20 viii Animal Husbandry – Sheep, Goat, Piggery, etc. 10.02 ix Fisheries (Marine, Inland, Brackish water) 87.20 x Others – Bullock, Bullock cart, etc. 1066.00 Sub Total 75446.31 B Agriculture Infrastructure i Construction of storage facilities (Warehouses, Market yards, 416.25 Godowns, Silos, Cold storage units/ Cold storage chains) ii Land development, Soil conservation, Watershed 540.01 development iii Others (Tissue culture, Agri bio-technology, Seed production, Bio 43.13 pesticides/ fertilizers, Vermin composting) Sub Total 999.39 C Ancillary activities i Food and Agro processing 2444.00 ii Others (Loans to Cooperative Societies of farmers for disposing of 102.00 their produce, Agri Clinics/ Agri Business Centres, Loans to PACS / FSS/ LAMPS, Loans to MFIs for on lending) Sub Total 2546.00 Total Agriculture 78991.70 II Micro, Small and Medium Enterprises i MSME – Investment Credit 3125.00 ii MSME – Working Capital 814.80 Total MSME 3939.80 III Export Credit 400.00 IV Education 414.00 V Housing 1080.00 VI Renewable Energy 22.16 VII Others (Loans to SHGs/ JLGs, loans to distressed persons to prepay 761.76 non-institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) VIII Social Infrastructure involving bank credit 438.75 Total Priority Sector 86048.17 4 PLP 2016-17 District: Devbhoomi Dwarka 5 PLP 2016-17 District: Devbhoomi Dwarka District Profile District - Devbhoomi Dwarka State - Gujarat Division - Saurashtra 1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE Total Geographical Area (Sq.km) 10001 Agro-climatic Zone The Devbhoomi Dwarka district comes under ACRP Region No 13 (6) No. of Sub Divisions NIL No. of Blocks 4 Climate Moderate climate with average annual rainfall of 600 mm No. of Villages (Inhabited) 312 Well drained light textured loose, fiable sandy - loam or sandy loam Soil Type No. of Panchayats 4 soil is found in all the 6 blocks of the district. 3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER Total Area Reported 408663 Normal 2012-13 Actual Forest Land 17360 Rainfall [in mm] 599 980 Area Not Available for Cultivation & non agri 97798 Variation from Normal 381 Permanent Pasture and Grazing Land 28452 Availability of Ground Net annual recharge Net annual draft Balance Land under Miscellaneous Tree Crops 0 Water [Ham] 863.05 520.32 342.73 Cultivable Wasteland 13278 5. DISTRIBUTION OF LAND HOLDING Current Fallow 12475 Holding Area Classification of Holding Other Fallow 930 % to Total Ha. % to Total Net Sown Area 238370 <= 1 Ha 13318 15 8674 3 Total or Gross Cropped Area 247678 >1 to <=2 Ha 29920 33 44817 18 Area Cultivated More than Once 9308 >2 Ha 46518 52 195107 78 Cropping Inensity [GCA/NSA] 104 Total 89756 100 248598 99 6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE (In 000) Cultivators 90862 Category Total Male Female Rural Urban Of the above, Small/Marginal Farmers 43238 Population 623 320 303 181 442 Agricultural Labourers 23903 Scheduled Caste 43 22 21 10 33 Workers engaged in Household Industries 2440 Scheduled Tribe 4 2 2 3 1 Workers engaged in Allied Agro-activities Literate 305 187 118 200 105 Other workers 87032 BPL NA NA NA NA NA 8.