EXECUTIVE SUMMARY

1. Theme of PLP : The year 2016-17 will be the twevelth year since the Reserve Bank of India [RBI] dispensed with the Service Area Approach [SAA] for all loans except for Government Sponsored Programmes and retaining some of the positive features such as, district credit planning, monitoring the flow of credit through DLCC/DCC and BLBCs. The Annual Credit Plans [ACP] prepared, based on the Potential Linked Credit Plans [PLPs] prepared by NABARD, have become more realistic strategic plans for banks and district authorities to implement various components envisaged in the ACPs. According to the revised priority sector guidelines, Agriculture Sector is broadly divided into three sub sectors viz., Farm Credit (ii) Agriculture infrastructure and (iii) Ancillary activities. Accordingly, each of the sectoral activities are covered under “Agriculture Sector” as per the new priority sector guidelines. 2. Profile of Nanded District: - The district has sixteen blocks and the geographical area is 10.33 lakh ha. of which urban area is 3.41%. All blocks of district have black soil with high content of Calcium, Magnesium and Carbonates. The soil has high water retention capacity. The district falls under assured rainfall area. The total forest area of the district is 0.92 lakh ha. which is 8.90% of the total geographical area. Temperature of the district ranges from Minimum of 13.90 C in winter and Maximum of 48.6 C in summer season. 3. The Sector-wise trends of PLP for 2016-17 compared with PLP 2016-17: The Potential Linked Credit Plan for the year 2016-17 envisages a total credit outlay of `

287020.64 lakh for the priority sector as against ` 230805.14 lakh projected during 2015-16 indicating an increase of 24.36%. Comparative projections under different sector/sub-sectors during 2015-16 and 2016-17 are given as under: (` Lakh)

Sector /Activity PLP Projections Variation (-)/(+)

% increase

over 2015-16

2015-16 2016-17

I. FARM CREDIT

Crop production, maintenance & Marketing

155279.50 173741.00 18461.50 11.89

Water Resources 2405.20 2762.80 357.60 14.87

Farm Mechanisation 4225.50 4582.50 357.00 8.45

Plantation and Horticulture/Sericulture

4894.64 6275.88 1381.24 28.22

Forestry and Wasteland 157.16 191.69 34.53 21.97

(F) Animal Husbandry- Dairy Development

6548.46 7195.38 646.92 9.88

(G) Animal Husbandry-Poultry Development

932.10 1311.87 379.77 40.74

(H) Animal Husbandry-Sheep, Goat & piggery Dev.

1340.73 1619.33 278.60 20.78

(I) Fisheries 24.72 27.04 2.32 9.39

Others – Bullock and Bullock Carts 267.70 230.20 742.30 277.29

II. AGRICULTURE INFRASTRUCTURE

Storage, Godown and Market Yard 3325.00 3937.50 612.50 18.42

Land Development 178.38 375.14 196.76 110.30

Others -- 248.25

III. ANCILLIARY ACTIVITIES

(A) Food And Agro Processing 3796.50 5116.50 1320.00 34.77

(B) Others – Loans to POs etc. -- 584.80

PLP 2016-17 Nanded District

1

IV. MICRO, MEDIUM AND SMALL ENTERPRISES

6799.00 38199.73 31400.73 461.84

V. EXPORT CREDIT -- 96.00 0.00 0.00

VI. EDUCATION SECTOR -- 5117.50 0.00 0.00

VII. HOUSING SECTOR -- 26127.00 0.00 0.00

VIII. RENEWABLE SOURCE OF ENERGY

325.95 1695.69 1369.74 -420.23

IX. SELF HELP GORUPS 5300.00 6205.00 905.00 17.08

X. SOCIAL INFRASTRUCTURE -- 1379.85 0.00 0.00

OTHER PRIORITY SECTOR 35005.00 -- 0.00 0.00

Grand Total 230805.14 287020.64 56215.50 24.36

(Ground Level Credit disbursements by various agencies and sector-wise Ground Level Credit flow under Agriculture and Allied activities are given in during 2012-13, 2013-14 and 2014-15 are given in Annexure-II. & Annexure- III).

5. The major areas of development:

The schemes of KCC, Personal Accident Insurance have to be further popularized. Credit for marketing of crops by pledge of agricultural produce may be extended by banks to farmers.

There is immense scope for increasing irrigated area by enhancing irrigation efficiency through micro irrigation structures like drip, sprinkler, Farm Ponds and pipelines raising the existing ground water available.

Land development by land clearing, leveling, bunding, reclamation, adoption of soil and water conservation measures in an integrated manner, organic farming, rain water harvesting structures are vital for improving productivity of the farm.

Farm mechanization sector has been extended various policy concessions in view of its crucial role in increasing farm productivity. The sector needs to be promoted.

There is good potential for development of Horticulture Crops. Though, the Agri. Department is taking all possible efforts but further encouragement is necessary to get better results.

Forestry and Wasteland Development through private initiative is required to be supported by credit institutions.

The district milk production is unable to meet the requirement of milk for district as such the milk production needs to be increased. This will need increasing milk routes / strengthening existing routes, activation of dormant cooperative societies for collection of milk and tie up arrangement with marketing.

In view of sufficient potential for ‘Poultry Development ’, the same may be encouraged.

There is good potential for rearing of Sheep and Goat as a subsidiary occupation for the economically disadvantaged class, especially when the crops are failure since last three years due to vagaries of climate.

There is good scope for education and housing loan as Nanded is progressive district and having good educational facilities.

There is good potential to promote sericulture in the district. At present some of the farmers are producing Mulberry cocoons and selling it in the market. However, this activity is taken in unorganized way. Need to promote this activity in organized way which is having good export potential.

To provide an impetus to scientific post harvest storage, grading, standardization of agricultural produce, cold storages and rural godowns have to come up in the private sector for which bank credit may be increased. The Central Govt. is providing subsidy for such credit linked investment and maximum advantage of the subsidy may be taken.

With the development in rural infrastructure with the financial assistance by the Rural Infrastructure Development Fund (RIDF) of NABARD, the fiscal incentives provided for private investment in agriculture and manufacturing industry and the developmental initiatives by the State and Central Governments, the potential for credit dispensation has brightened which is evident from the strong demand for credit witnessed in the district. 6. Major gaps in infrastructure:

PLP 2016-17 Nanded District

2

The district, which is among the less developed districts of the state, has inadequate rural infrastructure. There are major infrastructure gaps in health, sanitation, education, irrigation, post-harvest management and marketing sector. There is a gap in the agricultural marketing sector in the district. Public - Private partnership in development of the marketing infrastructure is called for.

Cold storage and Godown facilities for agriculture & horticulture produce in the district need to be expanded for

efficient post harvest preservation and realization of better prices by farmers for their produce.

Common quality testing infrastructure for manufactured goods to meet the stringent quality standards is inadequate. 7. Action Points : Government Departments:

Strategies for implementation of Government Schemes utilizing Agriculture Term Loan by banks in almost all areas should be adopted.

Banks: Banks, in consultation with the Department of Horticulture, may formulate area-based

schemes under floriculture and horticultural crops. Private entrepreneurs are to be encouraged in calf rearing and setting up of veterinary

clinics. Balanced growth of mechanization and use of animal power in farming operations is

essential and credit under this sector is to be judiciously deployed. Banks in the district should come forward and link as many SHGs as possible to ensure

adequate credit flow to the unreached poor who have proved to be a major business partner.

PLP 2016-17 Nanded District

3

BROAD SECTOR - WISE PROJECTIONS

(2016 – 2017) (` lakh)

Sr. No.

Sector Projections

1

I. FARM CREDIT

(A) Crop production, maintenance & Marketing 173741.00

(B) Agriculture Term Loan 24196.68

2 II. AGRICULTURE INFRASTRUCTURE 4560.89

3 III. ANCILLIARY ACTIVITIES 5701.30

4 IV. MICRO, MEDIUM AND SMALL ENTERPRISES

38199.73

5 V. EXPORT CREDIT 96.00

6 VI. EDUCATION SECTOR 5117.50

7 VII. HOUSING SECTOR 26127.00

8 VIII. RENEWABLE SOURCE OF ENERGY 1695.69

9 IX. SELF HELP GORUPS 6205.00

10 X. SOCIAL INFRASTRUCTURE 1379.85

Grand Total 287020.64

PLP 2016-17 Nanded District

4

Summary of Sector/sub sector-wise PLP Projections-2016-17

Name of the District: - NANDED. State : -- MAHARASHTRA. (` Lakh)

Sr. No.

Sector Projections

1 I. FARM CREDIT

(A) Crop production, maintenance & Marketing 173741.00

(B) Water Resources 2762.80

(C) Farm Mechanisation 4582.50

(D) Plantation and Horticulture/Sericulture 6275.88

(E) Forestry and Wasteland 191.69

(F) Animal Husbandry- Dairy Development 7195.38

(G) Animal Husbandry-Poultry Development 1311.87

(H) Animal Husbandry-Sheep, Goat & piggery

Dev. 1619.33

(I) Fisheries 27.04

(J) Others – Bullock and Bullock Carts 230.20

2 II. AGRICULTURE INFRASTRUCTURE

(i) Storage, Godown and Market Yard 3937.50

(ii) Land Development 375.14

(iii) Others 248.25

3 III. ANCILLIARY ACTIVITIES

(i) Food And Agro Processing 5116.50

(ii) Others – Loans to POs etc. 584.80

4 IV. MICRO, MEDIUM AND SMALL

ENTERPRISES 38199.73

5 V. EXPORT CREDIT 96.00

6 VI. EDUCATION SECTOR 5117.50

7 VII. HOUSING SECTOR 26127.00

8 VIII. RENEWABLE SOURCE OF ENERGY 1695.69

9 IX. SELF HELP GORUPS 6205.00

10 X. SOCIAL INFRASTRUCTURE 1379.85

Grand Total 287020.64

PLP 2016-17 Nanded District

5

PLP 2016-17 Nanded District

6

District profile : Nanded is one of the eight districts of Marathwada region of Maharashtra located on the Western plateau of the State. The district has sixteen blocks and the geographical area is 10.33 lakh ha. of which urban area is 3.41%. All blocks of district have black soil with high content of Calcium, Magnesium and Carbonates. The soil has high water retention capacity. The district falls under assured rainfall area. The total forest area of the district is 0.92 lakh ha. which is 8.90% of the total geographical area. Temperature of the district ranges from Minimum of 13.90 C in winter and Maximum of 48.6 C in summer season.The district is in South East Monsoon rainfall zone with average rainfall of 945.50 mm. The Godawari is major source of water for farmers as well as drinking water for the rural / urban populace. The district is blessed with fertile soil and 78% of the agriculture land is rainfed, with no major irrigation projects. Agriculture is the predominant economic activity, followed by dairy activities. Sheep/goat rearing is the main occupation of landless labourers and is undertaken on traditional basis by small/marginal farmers as well as the landless. Main cereal crops are Jowar and Bajra in kharif season. The pulses crops are Tur, Urad and Moong. The oilseeds grown include Sunflower and Soybean. The cash crops are Cotton, Soyabean & Sugarcane. Main Rabi crop is Jowar followed by Wheat and Gram. The State APMC Act has been amended on the lines of the Model APMC Act, 2002. Government of India has launched National Food Security Mission (NFSM) in 2007-08. Nanded district has been identified for pulses development under this scheme. Mango, Grapes and Pomegranate are the main horticularal crops grown. The district is industrially backward, with almost no presence of big industry. However, there are some Medium and Small Scale Industries like Sugar factories, Solvent Extraction units and Dal Mills. The district is progressing. Banking Profile - NANDED There are 116 branches of commercial banks, 8 of private sector banks, 63 of RRB, 79 of DCCB, and 982 PACs in the district. Average population served per branch is 6683 which included PACS working under 79 branches of DCCB. Percentage-wise achievements of banks as on 31.03.2015 under ACP were 84%, 90% and 105% for crop loan, ATL, MSME and OPS sectors respectively. CD ratio of 110.60%. Average CD ratio of the district were in the range of 82%. RRB and CBs may pay more attention on this aspect. Delay in submission of MIS returns and LBR returns adversely affects review of performance of banks in forums like BLBCs and DLCC. Under Financial Inclusion Programme, 1176 villages having population below 2000 as per 2001 census were identified. As such, total 357 villages are now to be covered. Banks have appointed Business Correspondents (BCs) in all the eight blocks of the district. But except SBI and MGB, no other bank is performing as per data available with Lead Bank. MGB is conducting village level Financial Literacy Camps through their FLC centre. However, data in respect of conduct of FLCs is not sent to Lead Bank by any bank. Only two FLCCs is opened by State Bank of India and MGB in Nanded. Five FLCC is sanctioned to NDCCB, however, these FLCs are yet to be inaugurated. As on 31 July 2015, under Pradhan Mantri Jan Dhan Yojana, 1180749 accounts have been opened up in the district. The three insurance schemes viz. Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) launched by Government of India are gradually picking up in the district. As on 31.07.2015, 158627 policies under PMSBY, 54496 policies under PMJJBY and 313 policies under APY have been issued to people by banks.

PLP 2016-17 Nanded District

7

7 District Profile

District - Nanded State - Maharashtra Division - Marathwada

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE

Total Geographical Area (Sq.km) 10331 Agro-climatic Zone Western Plateau & under assured rainfall

No. of Sub Divisions 3

No. of Blocks 16 Climate Minimum 13.9 C in Winter & Maximum 44.00 C in Summer

No. of Villages (Inhabited) 1611 Soil Type

The soil in all tehsils is a black soil with high Calcium, Magnesium &

Carbonate content. The water retention capacity of the soil is high.

No. of Panchayats 1311

3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER

Total Area Reported 1033164

Rainfall [in mm]

Normal Actual

2013 2014 2015

Forest Land 92700 955.5mm 10221 550 432.02

Area Not Available for Cultivation 32000 Variation from Normal (+) 20 (+)1 (-)403

Permanent Pasture and Grazing Land 50600 Availability of

Ground Water

[Ham]

Net annual recharge Net annual draft Balance

Land under Miscellaneous Tree Crops 8000 NA NA

Cultivable Wasteland 32000 5. DISTRIBUTION OF LAND HOLDING

Current Fallow 94826 Classification of Holding

Holding Area

Other Fallow NA Nos. % to Total Ha. % to Total

Net Sown Area 773800 <= 1 Ha 100489 27 61275 7.62

Total or Gross Cropped Area 858300 >1 to <=2 Ha 132988 35 195186 24.29

Area Cultivated More than Once 136300 >2 Ha 146028 38 547146 68.09

Cropping Intensity [GCA/NSA] 117.00 Total 379505 100 803607 100.00

6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000]

Cultivators 416826 Category Total Male Female Rural Urban

Of the above, Small/Marginal Farmers 233477 Population 3361000 1731000 16310000 2447000 914000

Agricultural Laborers 632395 Scheduled Caste 640473 328797 311686 473434 167049

Workers engaged in Household Industries 29158 Scheduled Tribe 281695 143892 137803 241712 39983

Workers engaged in Allied Agro-activities 125200 Literate 2189425 1255222 934203 1529317 660108

Other workers 384577 BPL 138000 NA NA NA NA

8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households]

Total Households 662793 Having brick/stone/concrete houses NA Having electricity

supply NA

Rural Households 516979 Having source of drinking water NA Having independent

toilets NA

BPL Households 145814 Having access to banking services NA Having radio/tv sets NA

10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos]

Villages Electrified 1611 Anganwadis 2800 Dispensaries 18

Villages having Agriculture Power Supply 1611 Primary Health Centres 73 Hospitals 46

Villages having Post Offices 1546 Primary Health Sub-Centres 374 Hospital Beds 2196

Villages having Banking Facilities 130 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE

Villages having Primary Schools 2571 Fertiliser/Seed/Pesticide Outlets [Nos] 3128 Agriculture Pump

sets[Nos] 33168

Villages having Primary Health Centres 447 Total N/P/K Consumption [MT] 293900 Pump sets Energised

[Nos] 31499

Villages having Potable Water Supply 1048 Certified Seeds Supplied [MT] 227 Agro Service Centres

[Nos]

Villages connected with Paved Approach

Roads 980 Pesticides Consumed [MT] 286680

Soil Testing Centres

[Nos]

13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 3122 Plantation nurseries

[Nos] 105

Total Area Available for Irrigation (NIA +

Fallow) 877504 Power Tillers [Nos] NA Farmers' Clubs [Nos] 37

Irrigation Potential Created NA Threshers/Cutters [Nos] 45505 Krishi Vigyan

Kendra[Nos] 1

Net Irrigated Area(Total area irrigated at

least once) 90226 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING

Area irrigated by Canals / Channels 25360 Rural/Urban Mondi/Haat [Nos] 47 Wholesale Market

[Nos] 19

Area irrigated by Wells 41977 Length of Pucca Road [Km] 10919 Godown [Nos] 222

Area irrigated by Tanks 16644 Length of Railway Line [Km] 206 Godown

Capacity[MT] 164720

Area irrigated by Other Sources 24290 Public Transport Vehicle [Nos] 708 Cold Storage [Nos] 1

Irrigation Potential Utilized (Gross Irrigated

Area) 108271 Goods Transport Vehicle [Nos] 12892

Cold Store

Capacity[MT] 250

15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS

PLP 2016-17 Nanded District

8

Type of Processing Activity No of

units Cap.[MT]

Crop

2012-13 2013-14 Avg. Yield

[Kg/Ha] –

last 5 yrs.

Food

(Rice/Flour/Dal/Oil/Tea/Coffee) 102 4453 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT)

Sugarcane

(Gur/Khandsari/Sugar) 13 222 Jowar/Bajra/Maize 134500 113400 145000 157760 1088

Fruit (Pulp/Juice/Fruit drink) NA NA Tur 62400 57600 62400 40226 644.64

Spices (Masala Powders/Pastes) NA NA Moog 27700 29200 25500 12319 483.08

Dry-fruit

(Cashew/Almond/Raisins) NA NA Urad 36900 32800 30000 17311 577.05

Cotton

(Ginnining/Spinning/Weaving) 26 3110 Soyaben 177400 80400 260729 321633 1233.59

Milk

(Chilling/Cooling/Processing) 34 760 Cotton 317600 254900 272410 208791 766.46

Meat (Chicken/Mutton/Pork/Dry

fish) NA NA Sugarcane 10700 470800 13534 94292 6967

Animal feed

(Cattle/Poultry/Fishmeal) 6 428 Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India)

17. ANIMAL POPULATION AS PER CENSUS 2003

[in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES

Category of animal Total Male Female Veterinary Hospitals/Dispensaries

[Nos] 1 Animal Markets [Nos] NA

Cattle - Cross bred 33886 3411 30475 Disease Diagnostic Centres [Nos] 103 Milk Collection

Centres [Nos] 101

Cattle - Indigenous 650303 318235 332068 Artificial Insemination Centers [Nos] 183 Fishermen Societies

[Nos] 105

Buffaloes 211271 23570 188151 Animal Breeding Farms [Nos] 1 Fish seed farms [Nos] 3

Sheep - Cross bred 2510 1826 684 Animal Husbandry Tng Centres [Nos] 1 Fish Markets [Nos] NA

Sheep - Indigenous 38663 10529 28134 Dairy Cooperative Societies [Nos] 101 Poultry hatcheries

[Nos] 1

Goat 253302 193024 60278 Improved Fodder Farms [Nos] NA Slaughter houses

[Nos] 24

Pig - Cross bred 1490 789 701 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY

Pig - Indigenous 11514 4387 7127 Fish Production

[MT] 5479

Per cap avail.

[gm/day] NA

Horse/Donkey/Camel 6964 NA NA Egg Production

[Lakh Nos] 289

Per cap avail.

[nos/p.a.] NA

Poultry - Cross bred 953 NA NA Milk Production ['000

LT] 3398

Per cap avail.

[gm/day] NA

Poultry - Indigenous 553341 NA NA Meat Production

[MT] NA

Per cap avail.

[gm/day] NA

Sources (if not

mentioned against the

respective item):

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 Survey 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DA

PLP 2016-17 Nanded District

9

Banking Profile

District - Nanded State - Maharashtra Lead Bank - State Bank of India

1. NETWORK & OUTREACH (As on 31/03/2014)

Agency No. of

Banks/Soc. No. of Branches

No. of non-formal agencies assoiated

Per Branch Outreach

Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLG

s BCs/BFs Villages

Households

Commercial

Banks 23 116 36 31 49 NA 31165 14 1611 437439

Regional

Rural Bank 1 63 38 15 10 NA NA NA NA NA

District

Central Coop.

Bank

1 79 53 15 11 NA NA NA NA NA

Coop. Agr. &

Rural Dev. Bank

1 9 9 0 NA NA NA NA NA

Primary Agr.

Coop. Society 982 982 982 NA NA NA NA NA NA NA

Others 4 8 0 NA NA NA NA NA NA NA

All Agencies 1012 1257 1118 61 70 NA NA NA NA NA

2. DEPOSITS OUTSTANDING

Agency No. of accounts Amount of Deposit [Rs.'000]

31-Mar-12 31-Mar-13 31-Mar-14 Growth(

%)

Share(%)

31-Mar-14 31-Mar-15 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Shar

e(%)

Commercial

Banks

Commercia

l Banks

NA NA NA NA 360994 498375 561702 00 5.75

Regional

Rural Bank

Regional

Rural Bank

97851 119378 22 132.687 319634 380759 93358 00 7.68

Cooperative

Banks

Cooperativ

e Banks

867000 780300 -10 8.67 553060 366550 51407 00 4.55

Others Others 0 0 0 0 0 0 0 0 0

All Agencies All Agencies

964851 899678 1083613 0 1233688 1245684 727008 1320214 5.98

3. LOANS & ADVANCES OUTSTANDING

Agency No. of accounts Amount of Loan [Rs.'000]

31-Mar-13 31-Mar-14 31-Mar-15 Growth(

%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share

(%)

Commercial

Banks

NA NA NA NA NA 328297 402437 477415 22.58 55.57

Regional

Rural Bank

37851 57851 76363 52.83 23 124207 265074 56020 113.41 36.60

Cooperative

Banks

97186 99760 99760 2.65 NA 55244 56664 56854 2.57 7.82

Others NA NA NA NA NA 0 0 0 0 NA

All Agencies 135037 157611 157611 16.72 507748 724175 590290 42.62 100

4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No.

of A/cs)

Agency

CD Ratio

Agency

During 2013-14 Cumulative

31-Mar-

13

31-Mar-14 31-Mar-

15 Deposit Credit Deposit Credit

Commerci

al Banks 65.87 76.36 82

Commercial

Banks NA NA NA NA

Regional

Rural

Bank

63.30 63.64 60.01 Regional Rural Bank

NA NA NA NA

Cooperati

ve Banks 150.71 147.87 110.60

Cooperative

Banks NA NA NA NA

Others NA NA NA Others NA NA NA NA

All

Agencies 70.83

71.96 81.19 NA NA NA NA

6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015)

Agency Priority Sector Loans Loans to Agr. Sector Loans to Weaker

Sections

Loans under DRI

Scheme Loans to Women

PLP 2016-17 Nanded District

10

Amount

[Rs.'000] % of Total

Loans

Amount

[Rs.'000] % of Total

Loans

Amount

[Rs.'000] % of Total

Loans

Amount

[Rs.'000]

% of

Total

Loans

Amount

[Rs.'000]

% of

Total

Loans

Commercial Banks

418525 85.01 223607 79.77 34590 2.59 NA NA 63450 13.29

Regional

Rural Bank 51794 10.52 35250 12.58 270 0.58 NA NA 9120 16.28

Cooperative

Banks 21677 4.41 21446 7.65 1007 1.78 NA NA 869 1.53

Others NA NA NA NA NA NA NA

All Agencies 491997 100 280303 100 35867 7.10 NA NA 73439 12.44

7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

Agency

2012-13 2013-14 2014-15 Average

Ach[%] in last 3

years

Target

[Rs.'000]

Ach'ment

[Rs. '000]

Ach'ment

[%]

Target

[Rs.'000]

Ach'ment

[Rs. '000]

Ach'ment

[%]

Target

[Rs.'000]

Ach'men

t [Rs. '000]

Ach'ment

[%]

Commercial

Banks 6246400 7013400 112.13 15554200 19014421 122.00 20278300

2084750

0 116 96.00

Regional Rural Bank

1379000 953600 69.15 2995700 3233774 108 1645700 1600400 62 72.48

Cooperative Banks

3220300 1624900 50.45 1916100 1624600 85 1916100 1624600 85 86.73

Others NA NA NA NA NA NA NA NA NA NA

All Agencies 10845700 9591900 88.35 20466000 23872795 117 20466000

2387279

5 105 93.07

8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

Broad

Sector

2012-13 2013-14 2014-15 Average

Ach[%]

in last 3 years

Target

[Rs.'000]

Ach'ment

[Rs. '000]

Ach'ment

[%]

Target

[Rs.'000]

Ach'ment

[Rs. '000]

Ach'ment

[%]

Target

[Rs.'000]

Ach'ment [Rs.

'000]

Ach'ment

[%]

Crop Loan 6737500 4178400 62.01 8751000 7469404 85.35

13982200 1264380

0 79.26 63.42

Term Loan

(Agr) 1472300 551500 37.45 2321560 1418311

61.09 2019600 3612100

178.85 92.46

Total Agri.

Credit 8209800 4729900 57.61 11072560 8887715

80.27 16001900

1625590

0 101.58 79.82

Non-Farm

Sector 654900 743500 113.52 742620 1740882

234.42 1279400 2802100

219.02 188.99

Other Priority

Sector 1981300 4118500 207.86 2760666 1732560

62.76 3730400 2648100

70.00 113.54

Total Priority Sector

10846000 9591900 88.43 14575846 12361157 84.81

21011600 2170610

0 103.31 92.18

9. RECOVERY POSITION

Agency

2011-12 2012-13 2013-14 Average Rec. [%]

in last 3

years

Demand

[Rs. '000]

Recovery

[Rs. '000]

Recovery

[%]

Demand

[Rs. '000]

Recovery

[Rs. '000]

Recovery

[%]

Demand

[Rs. '000]

Recovery [Rs.

'000]

Recovery

[%]

Commercial

Banks NA NA NA NA NA NA NA NA NA NA

Regional

Rural Bank 125956 85792 68.11 146119 102746 70.32 196878 134226 68.18 65.82

Cooperative

Banks 22639 13853 61.19 22515 14836 65.89 22176 15325 69.11 69.63

Others

All Agencies 148595 99645 64.65 168634 117582 68.10 219054 149551 68.65 67.13

Sources : Lead Bank & SLBC

PLP 2016-17 Nanded District

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Chapter -1

Policy Initiatives

Region for promotion of organic farming and export of organic produce.(To applicable states)

Pradhan Mantri Krishi Sinchai Yojana (PMKSY)-To ensure access to some means of protective Irrigation to all agricultural farms to increase production and productivity and enhance farm Income (more crop per drop).

Promotion of National Market through Agri Tech Infrastructure Fund (ATIF) to provide e-marketing platform at the national level in 642 regulated markets across the country.

Price Stabilisation Fund to support market interventions for price control of perishable agri-horticultural commodities.

Make in India –Facilitate investment, foster innovation, protect intellectual property, and build best-in-class manufacturing infrastructure.

Announced an increase of 50% in the relief on input subsidy given to farmers and the threshold for eligibility has been reduced to 33% for farmers affected by hailstorms and unseasonal rains and other natural calamities.

Micro Units Development and Refinance Agency Ltd (MUDRA) launched to extend finance and credit support to Microfinance Institutions (MFI) and agencies that lend money to small businesses, retailers, self-help groups and individuals.

The schemes of Mega Food Parks, Cold Chain and Modernization of Abattoirs further up-scaled during the 12th Plan. 12 new Mega Food Park projects, 75 Cold Chain projects and 50 Abattoir projects has been approved for implementation during the 12th Plan.

Parity in Development to Eastern and North Eastern regions was also advocated. Improve employability of rural youth under the Deen Dayal Upadhyay Gramin Kaushal

Yojana. Promotion of Solar Energy Pradhan Mantri Suraksha Bima Yojna, Atal Pension Yojana, Pradhan Mantri Jeevan Jyoti

Bima Yojana launched Pradhan Mantri Jan Dhan Yojana (PMJDY). NABARD’s efforts in this field include

facilitation of financial literacy and supporting technological upgradation of cooperative banks and RRBs.

Policy Initiatives of Reserve Bank of India In terms of the Revised Priority Sector Guidelines:

Categories of the priority sector: Medium Enterprises, Social Infrastructure and Renewable Energy will form part of priority sector, in addition to the existing categories.

Small and Marginal Farmers: A target of 8 percent of ANBC or Credit Equivalent Amount of Off-Balance Sheet Exposure, whichever is higher, has been prescribed for Small and Marginal Farmers within agriculture, to be achieved in a phased manner i.e., 7 percent by March 2016 and 8 percent by March 2017.

Micro Enterprises: A target of 7.5 percent of ANBC or Credit Equivalent Amount of Off-Balance Sheet Exposure, whichever is higher, has been prescribed for Micro Enterprises, to be achieved in a phased manner i.e. 7 percent by March 2016 and 7.5 percent by March 2017.

Bank loans to food and agro processing units will form part of Agriculture. The loan limits for housing loans and MFI loans qualifying under priority sector have been

revised. Banks to ensure that their overall agriculture direct lending to non-corporate farmers does

not fall below the system-wide average of the last three years achievements. Banks to continue to maintain all efforts to reach the level of 13.5% direct agriculture lending

to the beneficiaries who earlier constituted the direct agriculture sector. Guidelines for relief measures by banks in areas affected by Natural Calamities have been

revised.

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