District Profile Appendix -C

Transcription

1 District Profile Appendix -C District MURSHIDABAD State WEST BENGAL Division BERHAMPORE 1. PHYSICAL & ADMINISTRATIVE FEATURES Total Geographical Area (Sq.km) 5316llha No. of Sub Divisions 5 No. of Blocks 26 No. of Villages (Inhabited) 1923 No. of Panchayats LAND UTILISATION [hal Total Area Reported 5316ll Forest Land 1670 Area Not Available for Cultivation Permanent Pasture and Grazing Land 1014 Orchard Cultivable Wasteland 776 Current Fallow 4974 Other Fallow 500 Net Area under cultivation Total or Gross Cropped Area Area Cultivated More than Once Cropping Intensity [GCA/NSA] WORKERS PROFILE [in ODD] Cultivators Of the above, Small/Marginal Farmers Agricultural Labourers Workers engaged in Household Industries Workers engaged in Allied Agro-activities 9300 Other workers HOUSEHOLDS [in 'ODD] 2. SOIL & CLIMATE Agro-climatic Zone Lower Gangetic Plains - Central Alluvial Plains Climate Moist sub - Humid to Dry sub - Humid Soil Type Red and yellow, Deltaic, Alluvial, Red Loami 4 RAINFALL & GROUND WATER Normal I 2012 I Actual Rainfall [in mm] ll Variation from Normal Availability of Ground Water Net annual recharge Net annual draft Balance [Ham] Classification of Holding 5. DISTRIBUTION OF LAND HOLDING Holding Area Nos. % to Total ha. % to Total <-1 ha >1 to <-2 ha >2ha Total DEMOGRAPHIC PROFILE [in ODD] Category Total Male Female Rural Urban Population Scheduled Caste Scheduled Tribe N/A N/A N/A N/A N/A Literate BPL NA NA NA NA NA Rural Households BPL Households VILLAGE-LEVEL INFRASTRUCTURE [Nos] Villages Electrified 2365 Villages having Agriculture Power Supply 1245 Villages having Post Offices 73 Villages having Banking Facilities 123 Villages having Primary Schools 3179 Villages having Primary Health Centres 70 Villages having Potable Water Supply N/A Villages connected with Paved Approach Roads N/A 13 IRRIGATION COVERAGE [Ha] Total Area Available for Irrigation (NIA + Fallow) 5316ll Irrigation Potential Created Net Irrigated Area(Total area irrigated at least once) Area irrigated by Canals / Channels Area irrigated by Wells Area irrigated by Tanks Area irrigated by Other Sources (DTW & RLI) Irrigation Potential Utilized (Gross Irrigated Area) AGRO-PROCESSING UNITS Type of Processing Activity No of units Cap.[MT] Food (Rice/Flour/Dal/Oil/Tea/Coffee) 396 N/A Sugarcane (Gur /Khandsari/Sugar) 36 N/A Fruit (Pulp/Juice/Fruit drink) 5 N/A Spices (Masala Powders/Pastes) 12 N/A Dry-fruit (Cashew/ Almond/Raisins) N/A N/A Cotton (Ginnining/Spinning/Weaving) 2067 N/A Milk (Chilling/Cooling/Processing) 26 N/A 1 N/A Meat (Chicken/Mutton/Pork/Dry fish) N/A N/A Animal feed (Cattle/Poultry /Fishmeal) N/A N/A 17. ANIMAL POPULATION AS PER CENSUS 2014 [in 'ODD] Category of animal Total Male Female Cattle - Cross bred Cattle - Indigenous Buffaloes Sheep - Cross bred Sheep - Indigenous ll Goat Pig - Cross bred Pig - Indigenous Horse/Donkey/Camel ll09 Poultry - Cross bred Poultry - Indigenous INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE Fertiliser/Seed/Pesticide Outlets [Nos] 4146 Agriculture Pumpsets[Nos] N/A Total N /P /K Consumption [:MI] Pumpsets Energised [Nos] N/A Certified Seeds Supplied [:MI] 1063 Agro Service Centres [Nos] II Pesticides Consumed [:MI] 140 Soil Testing Centres [Nos] 2 Agriculture Tractors [Nos] 1654 Plantation nurseries [Nos] 23 Power Tillers [Nos] 931 Farmers' Clubs [Nos] 254 Threshers/ Cutters [Nos] 580 Krishi Vigyan Kendras[Nos] 1 14 INFRASTRUCTURE FOR STORAGE TRANSPORT & MARKETING Rural/Urban Mandi/Haat [Nos] 220 Markets (wholesale & Others) 169 Length of Pucca Road [Km] 5601 Godown [Nos] ll6 Length of Railway Line [Km] N/A Fertiliser & Pesticide Points ll64 Public Transport Vehicle [Nos] Cold Storage [Nos] 15 Goods Transport Vehicle [Nos] N/A Seed Sale Point 603 Crop 16. AREA PRODUCTION & YIELD OF MAJOR CROPS Avg. Yield Area (ha) Prod. (MT) Area (ha) Prod. (MT) [kg/hal AUS, AMON, BORa PADDY kg WHEAT. MAIZE PULSES OIL SEEDS ll llo ll34 JUTE POTATO SUGARCANE kg VEGETABLES Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India) 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES Veterinary Hospitals/Dispensaries [Nos] 308 Animal Markets [Nos] 8 Disease Diagnostic Centres [Nos] 18 Milk Collection Centres [Nos] 52 Artificial Insemination Centers [Nos] 568 Fishermen Societies [Nos] 108 Animal Breeding Farms [Nos] 16 Fish seed farms [Nos] 21 Animal Husbandry Tng Centres [Nos] 29 Fish Markets [Nos] 66 Dairy Cooperative Societies [Nos] 23 Poultry hatcheries [Nos] ll8 Improved Fodder Farms [Nos] 8 Slaughter houses [Nos] N/A 19. MILK FISH EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY Fish Production [:MI] Per cap avail. [gm/day] N/A Egg Production [Lakh Nos] 4021 Per cap avail. [nosyp.a.] 42 Milk Production ['ODD :MI] Per cap avail. [gm/day] N/A Meat Production [:MI] 12 Per cap avail. [gm/day] N/A Item Nos. 1, 6, 7, 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 Sources (if not mentioned against the Survey 2002; Item No. 15 _District Ind Centre/Dir. of Eco. & Stat.; Item No DACNET; Item No AH Census 2003; Item Nos. 18 & 19 - Dir. of Animal Hus.yDir. respective item): of Eco. & Stat.

2 Banking Profile Appendix -D District - MURSHIDABAD I State - WEST BENGAL Lead Bank- UBI,MURSHIDABAD 1 NETWORK & OUTREACH (As on 3ljU3j2015) No. of No. of Branches No. of non-formal agencies associated Per Branch Outreach Banks/Soc. Total Rural Semi-urban Urban mfisjmfos SHGsjJLGs BCsjBFs Villages Households Corrunercial Banks & Pvt. SBs Regional Rural Bank District Central Coop. Bank NjA Coop. Agr. & Rural Dev. Bank NjA Primary Agr. Coop. Society NjA Others NjA All Agencies NjA DEPOSITS OUTSTANDING No. of accounts Amount of Deposit ['.'000] 31 Mar Mar Mar 15 Growth(%) Share(%) 31 Mar Mar Mar 15 Growth(%) Share(%) Corrunercial Banks NjA NjA NjA NjA NjA Regional Rural Bank NjA NjA NjA NjA NjA Cooperative Banks NjA NjA NjA NjA NjA Others NjA NjA NjA NjA NjA All Agencies NjA NjA NjA NjA NjA LOANS & ADVANCES OUTSTANDING No. of accounts Amount of Loan ['.'000] 31 Mar Mar Mar 15 Growth(%) Share(%) 31 Mar Mar Mar 15 Growth(%) Share(%) Corrunercial Banks NjA NjA NjA NjA NjA Regional Rural Bank NjA NjA NjA NjA NjA Cooperative Banks NjA NjA NjA NjA NjA Others NjA NjA NjA NjA NjA All Agencies NjA NjA NjA NjA NjA CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of AJes) CD Ratio During Cumulative 31 Mar Mar Mar 15 Deposit Credit Deposit Credit Corrunercial Banks Corrunercial Banks NjA NjA NjA NjA Regional Rural Bank Regional Rural Bank NjA NjA NjA NjA Cooperative Banks Cooperative Banks NjA NjA NjA NjA Others Others NjA NjA NjA NjA All Agencies All Agencies NjA NjA NjA NjA 6. PERFORMANCE TO FULFILLNATIONAL GOALS (As on 3ljU3j2015) Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women 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 Corrunercial Banks Regional Rural Bank Cooperative Banks Others All Agencies Target ['000] 7 AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach[%] in r. '000] [%] ['.'000] r. '000] [%] ['.'000] r. '000] [%] last 3 years Corrunercial Banks Regional Rural Bank Cooperative Banks Others All Agencies SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS Average Broad Sector Target Ach'ment Ach'ment Target Ach'ment Ach'ment Target Ach'ment Ach'ment Ach[%] in ['.'000] r. '000] [%] ['.'000] r. '000] [%] ['.'000] r. '000] [%] last 3 years Crop Loan Term Loan (Agr) Total Agri. Credit Non-Farm Sector Other Priority Sector Total Priority Sector RECOVERY POSITION Average Rec. Demand r. Recovery ['. Demand r. Recovery [%] in last 3 '000] '000] r. Recovery [%] '000] '000] '000] '000] years Recovery [%] Demand r. Recovery r. Recovery [%] Corrunercial Banks NjA NjA NjA NjA NjA NjA Regional Rural Bank NjA NjA NjA NjA NjA NjA Cooperative Banks NjA NjA NjA NjA NjA NjA Others NjA NjA NjA NjA NjA NjA All Agencies NjA NjA NjA NjA NjA NjA Sources: LDM, Lead Bank, UBI

3 EXECUTIVE SUMMARY "There can be little disagreement that thefastest relief to the poor in India would come from productivity growth in agriculture. This is where nearly half of the workforce is employed. With the share of agriculture in the GDP at about 15percent now, this half of the workforce is also significantly poorer than the other half, employed in industry and services". Shri Arvind Panagariya, Vice Chairman, NITI Aayog The object of district planning is to arrive at integrated, participatory coordinated development of a local area. The comprehensive PLP exercise will integrate multiple programmes that are in operation entailing the prospective capital expenditure, both working and fixed that are to be supported by a planned or targeted bank loan in the district and therefore address backwardness through a combination of resource that flow to the district. Murshidabad District comprises 5 sub-divisions namely Berhampore(Sadar), Domkal, Lalbagh, Kandi and Jangipur and geographical area is 5324 sq km. The district of Murshidabad is bounded by Malda district in North, Jharkhand State and Birbhum district in West, Bardhaman and Nadia in the South and Bangladesh in East. The economy of this district primarily rests on agriculture as more than 80% of the district population directly depends on it. The climatic condition and soil of this district is congenial for cultivation of almost every field crops and for this the district can be designated as 'Crop museum'. The net area under cultivation in the district is 3,65,000 ha constitutes 69% of the total geographical area and the gross cropped area is 8,92,451 ha and thus, the cropping intensity is 244.5%. The normal rainfall of the district is 1256.lOmm on an average per annum. The major crops grown in this district are paddy, which occupies 66% of the gross cropped area followed by jute, wheat, oilseeds, pulses, vegetables, spices, condiments and fruits etc. Additional area can be brought under cultivation of Pulses, Oilseeds, Maize etc. under diversification instead of rice base cropping system in the district. Out of 26 blocks, 16 Nos. of Blocks are under critical and semi critical and rest are under 'safe' category (As per report ofswid). The CD Ratio of the district reflects steady rise during the FY from 41.89% at the beginning of the year ended with 46.70% as on % rise in CDR in a year for the district is definitely a big push. As the economy of the of the district is mainly dependent on agriculture the target in ACP for agriculture and allied activities of the district has been fixed at a higher scale. The achievement in the Priority Sector lending was { lac i.e., 69% against the target of { Lakh. In MSME category the achievement was {82188 Lakh i.e. 54% against target of { Lakh and in Other Priority Sector area, achievement is {25455 lac i.e. 64% against target of {40036 lakh The potential in each sector / sub sector that could be tapped with institutional credit during the year The PLP has been prepared in physical and financial terms with comprehensive details for the use of banks, Government departments, promotional and developmental agencies, etc. with the intention of provide insight on the potential for development in different sectors of the rural economy of the district. While preparing the PLP document, the national objective of 4% growth in agriculture sector has been kept in mind. At this juncture banks have to playa proactive role in accelerating pace of capital formation in agriculture and allied sectors. Programmes like ATMA, FSSFM can playa big role in equipping the Farmers in believing that agriculture could be a business proposition rather than a mean of subsistence. PACS and Farmers' Club can playa big role in mobilisation and capacity building. Accordingly, immense potentials in allied sectors like dairy, goatery, poultry, small ruminants, fisheries are also to be tapped by using the Centrally Sponsored Schemes. The developmental interventions in the district are aided by many Government sponsored programmes like Capital Investment Subsidy Schemes of GoI in respect of Rural

4 Godowns, Rain Water Harvesting Scheme, Organic Farming and Venture Capital fund for development of animal husbandry sector on commercial lines and other programmes like PMEGP, SVSKP, SHGs, SCP, Fisheries, USKP, WCC, ACC and etc. It has always been the endeavour of NABARD to give the financing agencies a direction to channelize their advances to attain National goals and objectives like Food Security, Employment Generation etc. Although most of the issues discussed in base PLP , prepared for the 12th five-year plan period, being still relevant, we have attempted to update the Base PLP for the year wherein more emphasis has been given in term loan for agriculture and allied sectors for formation of capital in agriculture and allied sectors. Keeping in view the past trend as well as future requirements, the projections made in Base PLP , the PLP for the year has been updated, taking into account the exploitable potential available for various agriculture, allied activities, MSE Sector and other priority sectors(ops) as also the policies/thrust areas of the various agencies. The major sectors where the district has good potential of credit absorption are Crop loan, Dairy, Poultry, Fishery, Farm Mechanisation, Rural Godown, Food & Agro processing, MSE, OPS etc. Accordingly the Potential linked Credit Plan (PLP) for the year has been prepared with a total credit projection of { Cr. for total priority sector. The projection for the year is approx. 11% higher over the estimated projected potential which was { Cr. during the F/Y The projections made in Base PLP have been modified as observed in the broad sector wise figure given below :- ({ crore) S1.No Particulars PLP Projections A Farm Credit I Crop Production, Maintenance and Marketing Ii Term Loan For Agriculture And Allied Activities Sub Total B Agriculture Infrastructure C Ancillary Activities I Credit Potential for Agriculture (A+B+C) II Micro, Small and Medium enterprises III Export Credit 0.00 IV Education V Housing VI Renewable Energy 4.29 VII Others VIII Social Infrastructure involving Bank credit Total Priority Sector (I-VIII) High growth trend in our economy as is being experienced and aspired for can be sustained only if the process of growth is all-inclusive. An overall strategy for building an inclusive financial sector would entail effecting improvements within the existing formal financial

5 services mechanism, implementing measures for improving credit absorption capacity of the excluded groups, evolving new models for effective outreach and leveraging on technology based solutions. With a view to supporting such a comprehensive strategy directed at inclusive growth, two Funds, namely - the Financial Inclusion Fund (FIF) and the Financial Inclusion Technology Fund (FITF), with a corpus of {SOO cr. each, have been constituted by GOI and housed with NABARD. The FIF is meant for meeting the cost of developmental and promotional interventions whereas FITF is meant to meet the costs of technology innovation and adoption. West Bengal being one of the states having a very high level of exclusion, a multi-agency approach is being adopted in the State to carry forward the programmme, involving several partners viz. banks, cooperative societies, NGOs, Farmers clubs, SHGs, KVKs, among others, to ensure 100% financial inclusion in the State. Towards ensuring financial literacy NABARD have sanctioned 5 (five) Financial Literacy Centres to Murshidabad District Central Cooperative Bank Ltd., Murshidabad. The FLCs have been set up w.e.f. 01 September 2013 at The MDCCB Ltd., Head Office & Domkal, Jangipur, Lalbagh & Kandi Branches of the Bank. As on date a whopping number of 4723 number of accounts have been opened and 39 camps have been organised. NABARD is also providing financial support to Bangiya Gramin Vikash Bank to set up FLCs and have sanctioned the Bank to conduct atleast one financial inclusion/literacy camp by each branch of the BGVB in Murshidabad district during the F/Y & Moreover, the DDM are empowered to conduct Financial Inclusion/Literacy programmes in the unbanked areas. As on date as many as 892 banking outlets are to be opened in the district to achieve 100% Financial inclusion. There are 870 BCs operating in the district.

6 S1.No Appendix-A BROAD SECTOR-WISE PLP PROJECTIONS (Year ) Name of the District: MURSHIDABAD State: WEST BENGAL Particulars ({lakh) PLP Projections A Farm Credit I Crop Production, Maintenance and Marketing Ii Term Loan For Agriculture And Allied Activities Sub Total B Agriculture Infrastructure C Ancillary Activities I Credit Potential for Agriculture CA+B+C) II Micro, Small and Medium enterprises III Export Credit 0.00 IV Education V Housing VI Renewable Energy VII Others VIII Social Infrastructure involving Bank credit Total Priority Sector ( I-VIII ) Appendix-B SUMMARY OF SECTOR - WISE PLP PROJECTIONS ( ) ({ Lakhs) Sl. PLP Projection Sub-Sectors No for I A Credit Potential for Agriculture Farm Credit i Crop Production, Maintenance and Marketing

7 n Water Resources Iii Farm Mechanisation IV Plantation and Horticulture V Forestry and Wasteland Development VI Animal Husbandry- Dairy vn Animal Husbandry- Poultry Vlll Animal Husbandry- Sheep, Goat & Piggery etc IX Fisheries (Marine, inland, Brackish water) X Others- Bullock, Bullock cart, etc Sub Total B Agriculture Infrastructure i Construction of storage facilities(warehouse, Market Yards, Cold Storage, Godowns, Silos) n Land development, Soil conservation, Watershed development III Others (Tissue culture, Agri bio-technology, Seed production, Bio pesticides/ fertilizers, Vermi-compost) Sub Total C Ancillary activities i Food and Agro processing n Others (Loans to Cooperative Societies of farmers for disposing of their produce Sub Total I Total Agriculture II Micro, Small and Medium Enterprises i MSME - Working capital n MSME - Investment credit Total MSME III Export Credit 0.00 IV Education V Housing

8 VI Renewable Energy VII Others (Loans to SHGsj JLGs, loans to distressed persons to repay non-institutional lenders, PMJDY, loans to state sponsored organisations for SCjST) VII Social Infrastructure involving bank credit I Total Priority Sector