PLP 2016-17 Ganjam 

 

1

 

Executive Summary

NABARD in the year 2012-13 had prepared Base PLP for five years coterminous with the XII Five year plan-(2012-17). The Base PLP projected a five year credit potential under priority sector covering Primary, Secondary and Tertiary sectors, with emphasis on the Primary sector. These projections were based on parameters such as technical feasibility, availability of infrastructure, availability of exploitable resources, cropping pattern, agriculture practices and other developmental indices such as access to markets, etc. Some of these parameters may have undergone a change in the district since the finalization of Base PLP on account of factors such as changes in Government’s priorities and policies, strengthening of rural infrastructure, market forces, cost escalation, etc., necessitating a relook at the credit potential for the year 2016-17. The same has been presented in this chapter covering major areas in Agriculture/Allied sector, MSME, Education, Housing, Export Credit, Social Infrastructure etc.

The theme of PLP 2016-17 is “Accelerating the pace of capital formation in agriculture and allied sector”. As is well known through various research, capital formation in agriculture is one of the key driver for higher growth as well as better price realization for farmers. However, agricultural credit is highly skewed towards short term purposes rather than long term assets which aid capital formation. The district of Ganjam is no different. An analysis of last many years indicate that term loan for agriculture is very low in the district constituting hardly 10-11% of the total agricultural credit during the past three years. This needs to be reversed so that growth under agriculture is achieved as per the national objective.

About the District :Ganjam is situated in the coastal region of the state surrounded on the north by Khurda district, on the east by the Bay of Bengal, on the west by Kandhmal and Gajapati districts and on the south by Andhra Pradesh. The geographical area of the district is 8206 Sq. Km which constitutes about 6% of the total land area of the state. The district is the fifth largest district of the state in terms of area with 22 blocks, 475 GPs and 2812 inhabited villages. As per the 2011 Census, total population of the district is at 35.20 lakh, which works out to 8.40% of the total population of the state with population density of 385 per square kilometer. The rural population constitutes 82% and the average literacy rate is 72% with male & female literacy rate being 82% and 62% respectively. Of the total number of 5,39,521 rural families, 3,01,581 families belong to the BPL category and this constitutes 56% of the total number of rural families.

The major produce of the district is paddy followed by ragi, groundnut, pulses, vegetables and sugarcane. The productivity of major crops like paddy, pulses, groundnut and sugarcane is good in comparison to the state average.

Branch Network & Performance of Banks under ACP: The district is served by a network of 372 branches of banks including one branch of OSFC. Against the total deposit of ` 12020 crore as on 31.03.2015, the outstanding advance is ` 4270 crore. The priority sector advance constitutes 64% of the total advance whereas the total agricultural loan stands at 27% of the same. The CD ratio is at 36% reflect a declining trend. Considering such poor CD ratio in the district, the bankers need to come up with drastic steps to increase agricultural credit.

  PLP 2016-17 Ganjam 

 

2

 

Credit Projection in the PLP for 2016-17: For the ensuing year 2016-17, the credit projection in the revised PLP has been made at ` 4371.45 crore with an overall growth rate of 20% over the ACP projection for 2015-16 taking into account all the relevant aspects as explained in detail in the chapters. While the credit projection for agriculture sector is ` 2489 crore (Crop loan ` 1604 crore, Term loan for agriculture and allied activities ` 885 crore) for other sectors it is ` 1883 crore.

The factors which have supported the above projection are indicated as under:

i. Of the total number farming families estimated at 3.51 lakh in the district, 2.88 lakh KCCs have been issued in the district as on 31 March 2015. The remaining farmers are expected to be covered soon as well as through the JLG mode.

ii. The agrarian economy of the district, with paddy being the major crop cultivated, needs diversification towards non-paddy crops. So, due emphasis has been given to investment activities in the agriculture sector including activities allied to agriculture. Promotion of water resources is expected to bring about crop diversification and increase in cropping intensity.

iii. The district of Ganjam offers ample scope in all sectors allied to agricultural activity viz fisheries, animal husbandry, plantation/ horticulture, FM etc.

iv. It is essential to develop the right type of marketing infrastructure. The importance of cold storages & rural godowns, establishment of market yards in the private sector cannot be overlooked. Adequate provision of credit for such purpose is, therefore, provided for in the PLP projections.

v. Nonetheless, the needs of other sectoral activities like land development, forestry and wasteland development, biogas and small / marginal farmer’s needs for bullock carts, micro credit requirements of SHGs & JLGs likely to be promoted etc. have been duly taken care of.

vi. Various Credit linked subsidy schemes of GOI and GOO are being implemented in the district.

Areas that need attention for overall agricultural development of the district:

Keeping in view the dependency of the people of the district on agriculture & migration to other states due to unemployment problem, the present provision of agricultural and other extension support services needs to be strengthened at the earliest. Marketing of agricultural product at a fair and reasonable price to the producer, post-harvest technology, convergence of extension work, encouragement for contract farming etc. requires focussed attention of all agencies. Last but not the least, programmes like Financial Inclusion, Micro Credit, financing of WSHGs in LWE affected Blocks, Wadi, Watershed Development, Seed Village Programme, setting up more number of Farmer’s Club for awareness creation among the farmers, technology transfer for better farming practices, proper utilisation of credit, repayment obligations, development of socio-economic infrastructure etc. should be propagated at all levels which will go a long way in bringing prosperity to the people of the district.

 

 

Sr. No.

A Fa

i Cro

ii Ter

B AgC An

I Cr

II Mi

III Ex

IV Ed

V Ho

VI Re

VII Ot

VIII So

TO

Broad

arm Credit

op Production

rm Loan for A

griculture Inncillary Acti

redit Potent

icro, Small

xport Credit

ducation

ousing

enewable En

thers

ocial Infrast

OTAL PRIOR

0.01%

0.80%

0.03%

Sector-

n, Maintenan

Agriculture an

nfrastructurivities

ial for Agric

and Medium

t

nergy

tructure inv

RITY SECTO

17.42%

9.20%

15.

Pro

-wise PL

Particular

nce and Marke

nd allied activ

Sub-Totalre

culture (A+

m Enterpris

volving Bank

OR (I to VII

51%

0.10%

ojection

3

LP Proj

rs

eting

vities

l

B+C)

ses

k Credit

II)

56.94%

ns (2016

jections

%

6‐17)

PLP 2

s- 2016-

PLP

Agriculture 

MSME

Export Credi

Education

Housing

Renewable E

2016-17 Gan

-17

(` L

P Projection2016-17

16045

5965

220112148413933

248895

76138

52

3497

40230

122

67792

415

437144

it

Energy

njam 

Lakh)

ns

55.79

6.37

2.16 9.72 3.50

5.38

8.19

2.50

7.59

0.00

2.92

2.62

5.70

4.90

  PLP 2016-17 Ganjam 

 

4

 

Summary of Sector / Sub-Sector wise PLP Projections- 2016-17

(` Lakh) Sr. No. Particulars PLP Projections 2016-17

I Credit Potential for Agriculture

A Farm Credit

i Crop Production, Maintenance & Marketing 160455.79

ii Water Resources 3098.81

iii Farm Mechanization 13450.13

iv Plantation & Horticulture 4727.86

v Forestry & Waste Land Development 765.04

vi Animal Husbandry – Dairy 12286.65

vii Animal Husbandry- Poultry 12110.66

viii Animal Husbandry - Sheep / Goat / Piggery 7423.80

ix Fisheries 5648.50

x Other 144.92

Sub-Total 220112.16

B Agriculture Infrastructure

i Storage Godown & Market Yard 12556.50

ii Land Development 1188.22

iii Others 1105.00

Sub-Total 14849.72

C Ancillary Activities

i Food & Agro Processing 13335.75

ii Others 597.75

Sub-Total 13933.50

Total Agriculture ( A+B+C) 248895.38

II Micro, Small and Medium Enterprises

i MSME- Working Capital 18835.00

ii MSME- Investment Credit 57303.19

Total MSME 76138.19

III Export Credit 52.50

IV Education 3497.59

V Housing 40230.00

VI Renewable Energy 122.92

VII Others 67792.62

VIII Social Infrastructure 415.70

Total Priority Sector ( I+II+III+IV+V+VI+VII+VIII ) 437144.90

PLP 2016-17 Ganjam

District Map

5

6

District Profile

PLP 2016-17 Ganjam

8206

3

22

2812

475

611000 Normal 2010-11 2011-12 2012-13

51000 1296 1205 1401 882

16000 -91 105 -414

14000 Balance

24000 91256

24000

46000

25000 Nos. % to Total Ha. % to Total

411000 228760 69 102372 31

613990 87286 27 142153 44

202990 15210 4 80464 25

153 331256 100 324989 100

322 Total Male Female Rural Urban

306 3529 1779 1749 2761 768

504 587 292 295 519 68

- 91 46 45 87 4

- 1632 1006 626 - -

- 548 - - - -

645 - -

540 - -

301581 645 -

2516 - 93

2516 89 11

681 19 2490

-

556 - -

89 35201 -

- 72323 545

- - 2

3100 5

308132 4000 207

- - 2

253680

219087 - -

14389 928 60

8123 86 32116

12081 - 3

301900 - 11000

No of units Cap.[MT]

538 1534 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT)

1 2500/day 223500 534165 210450 220130 1046

- - 9470 11926 10760 19788 1839

- - 45800 42732 41710 45046 1080

98 22760 39825 23379 49140 23055 734

- - 24505 15854 23420 16950 724

1 20000 ltr. 59980 607212 63045 686889 10895

- - 2507 6451 2794 4453 1594

13 426

Category of animal Total Male Female 39 -

Cattle - Cross bred 22336 11104 11232 - 135

Cattle - Indigenous 680566 505916 174650 270 -

Buffaloes 84775 41206 43569 - 6

Sheep - Cross bred 486 225 261 - -

Sheep - Indigenous 119064 43387 75677 135 4

Goat 238755 61525 177230 - -

Pig - Cross bred 2363 1158 1205

Pig - Indigenous 9960 3554 6406 Fish 43315 27

Horse/Donkey/Camel - - - Egg 4488 128

Poultry - Cross bred 1887310 - - Milk 394 82

Poultry - Indigenous - - - Meat 5805 4

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE

Total Geographical Area (Sq.km)Agro-climatic Zone

1) East & South Eastern Coastal Plain 2) North & Eastern Ghat ZoneNo. of Sub Divisions

No. of Blocks Climate Hot & Humid

No. of Villages (Inhabited)Soil Type Alluvial, Laterarite & Saline

No. of Panchayats

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

Total Area Reported

Rainfall [in mm]Actual

Forest Land

Area Not Available for Cultivation Variation from Normal

Permanent Pasture and Grazing Land Availability of Ground Water [Ham]

Net annual recharge Net annual draft

Land under Miscellaneous Tree Crops 113804 22548

Cultivable Wasteland 5. DISTRIBUTION OF LAND HOLDING

Current FallowClassification of Holding

Holding Area

Other Fallow

Area Cultivated More than Once >2 Ha

Cropping Inensity [GCA/NSA] Total

Net Sown Area <= 1 Ha

Total or Gross Cropped Area >1 to <=2 Ha

Of the above, Small/Marginal Farmers Population

Agricultural Labourers Scheduled Caste

6. WORKERS PROFILE [in '000] 2001 Census 7. DEMOGRAPHIC PROFILE [in '000]

Cultivators Category

Other workers BPL

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

Workers engaged in Household Industries Scheduled Tribe

Workers engaged in Allied Agro-activities Literate

Total Households Having brick/stone/concrete houses Having electricity supply

Rural Households Having source of drinking water Having independent toilets

Hospitals

BPL Households ( In No.s) Having access to banking services Having radio/tv sets

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

Villages having Post Offices Primary Health Sub-Centres Hospital Beds

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

Villages Electrified Anganwadis Dispensaries

Villages having Agriculture Power Supply Primary Health Centres

Villages having Primary Schools Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos]

Villages having Primary Health Centres Total N/P/K Consumption [MT] Pumpsets Energised [Nos]

Farmers' Clubs [Nos]

Villages having Potable Water Supply Certified Seeds Supplied [QTL.] Agro Service Centres [Nos]

Villages connected with Paved Approach Roads Pesticides Consumed [MT] Soil Testing Centres [Nos]

Irrigation Potential Created Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos]

Net Irrigated Area(Total area irrigated at least once) 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING

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

Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos]

Cold Storage [Nos]

Area irrigated by Canals / Channels Rural/Urban Mandi/Haat [Nos] Wholesale Market [Nos]

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

Irrigation Potential Utilized (Gross Irrigated Area) Goods Transport Vehicle [Nos] Cold Store Capacity[MT]

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

Area irrigated by Tanks Length of Railway Line [Km] Godown Capacity[MT]

Area irrigated by Other Sources Public Transport Vehicle [Nos]

Avg. Yield [Kg/Ha]Food (Rice/Flour/Dal/Oil/Tea/Coffee)

Sugarcane (Gur/Khandsari/Sugar) Paddy

Type of Processing ActivityCrop

2010-11 2011-12

Dry-fruit (Cashew/Almond/Raisins) Pulses

Cotton (Ginnining/Spinning/Weaving) Oil Seeds

Fruit (Pulp/Juice/Fruit drink) Maize

Spices (Masala Powders/Pastes) Ragi

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

17. ANIMAL POPULATION AS PER CENSUS 2007 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES

Milk (Chilling/Cooling/Processing) Vegetables

Meat (Chicken/Motton/Pork/Dryfish) Spices

Artificial Insemination Centers [Nos] Fishermen Societies [Nos]

Animal Breeding Farms [Nos] Fish seed farms [Nos]

Veterinary Hospitals/Dispensaries [Nos] Animal Markets [Nos]

Disease Diagnostic Centres [Nos] Milk Collection Centres [Nos]

Improved Fodder Farms [Nos] Slaughter houses [Nos]

19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY

Production [MT] Per cap avail. [gm/day]

Animal Husbandry Tng Centres [Nos] Fish Markets [Nos]

Dairy Cooperative Societies [Nos] Poultry hatcheries [Nos]

Production [MT] Per cap avail. [gm/day]

Sources (if not mentioned against the respective item):

Item Nos. 1, 6, 7, 9 & 10 - Census 2011; 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 - DACNET; Item No. 17 - AH Census 2003; Item Nos. 18 & 19 -

Production [Lakh Nos] Per cap avail. [nos/p.a.]

Production ['000 MT] Per cap avail. [gm/day]

District - Division -Ganjam State - Odisha Southern

8

Banking Profile

PLP 2016-17 Ganjam

District - State -

Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households

Commercial Banks 29 364 207 75 82 - 8077 169 - -

Regional Rural Bank 1 77 60 7 10 - 9574 92 - -

State /Dist. Central Coop. Bank 3 34 16 10 8 - 2643 - - -

Coop. Agr. & Rural Dev. Bank 1 4 - 1 3 - - - - -

Primary Agr. Coop. Society 398 398 398 - - - - - - -

Others (OSFC) 1 1 - - 1 - - - - -

All Agencies 433 878 681 93 104 - 20294 261 - -

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

Commercial Banks 1963885 1875583 2136889 13.93 72.8 69854232 82328935 104499686 26.93 86.9

Regional Rural Bank 589030 456515 589039 29.03 20.1 10268731 10335102 10569785 2.27 8.8

Cooperative Banks 197596 169954 208591 22.73 7.1 3473115 7689291 5134106 -33.23 4.3

Others - - - - - - - - - -

All Agencies 2750511 2502052 2934519 17.28 100 83596078 100353328 120203577 19.78 100

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

Commercial Banks 281970 283346 291928 3.0 43.0 24769656 30952210 33851158 9.4 79.3

Regional Rural Bank 111647 91656 111789 22.0 16.5 3703051 5067996 4709912 -7.1 11.0

Cooperative Banks 274671 212569 274689 29.2 40.5 2668425 4653127 4137633 -11.1 9.7

Others (OSFC Ltd) - - - - - 247100 #DIV/0!

All Agencies 668288 587571 678406 15.5 100.0 31388232 40673333 42698703 5.0 100.0

31-Mar-13 31-Mar-14 31-Mar-15 Deposit Credit Deposit Credit

Commercial Banks 54 38 36 261306 8582 2136889 291928

Regional Rural Bank 47 49 45 132524 20133 589039 111789

Cooperative Banks 77 61 81 38637 62120 208591 274689

Others - - - - - - -

All Agencies 55 41 36 432467 90835 2934519 678406

Commercial Banks 14915727 44 5217045 15 4680844 14 92356 0.27 2323048 6.86

Regional Rural Bank 3400000 72 1910000 41 1005200 21 - - 664400 14.11

Cooperative Banks 2625290 63 3083432 75 2120412 51 - - 197275 4.77

Others - - - - - - - - - -

All Agencies 20941017 49 10210477 24 7806456 18 92356 - 3184723 7.46

Commercial Banks 6866981 5070981 74 10548200 7948375 75 17309179 14201399 82 80

Regional Rural Bank 2428011 1475847 61 3600830 2229520 62 5632551 3627101 64 63

Cooperative Banks 3035839 2536244 84 4279600 3035087 71 6108770 4469920 73 72

Others - - - - - - - - - -

All Agencies 12330831 9083072 74 18428630 13212982 72 29050500 22298420 77 75

Crop Loan 5136212 3569903 70 7591325 5167008 68 11743100 7543418 64 66

Term Loan (Agr) 1828425 1086547 59 2467205 1041880 42 5162800 4830200 94 77

Total Agri. Credit 6964637 4656450 67 10058530 6208888 62 16905900 12373618 73 69

Non-Farm Sector 1022392 1113577 109 1948720 1458568 75 2945100 6150783 209 155

Other Priority Sector 4343802 3313045 76 6421380 5545526 86 9199500 3774019 41 60

Total Priority Sector 12330831 9083072 74 18428630 13212982 72 29050500 22298420 77 75

Commercial Banks - - - - - - - - - -

Regional Rural Bank 2550952 1914334 75 2059470 1342724 65 2550952 1914334 75 72

Cooperative Banks 3680622 2525525 69 2331252 1771325 76 3680622 2525525 69 70

Others (PCARDB) Aprl - March 21341 4055 19 28442 8648 30 21341 4055 19 24

All Agencies 6252915 4443914 71 4419164 3122697 71 6252915 4443914 71 71

Sources : Lead Bank & SLBC

Ganjam Odisha Lead Bank - Andhra Bank

1. NETWORK & OUTREACH (As on 31/03/2015)

AgencyNo. of

Banks/Soc.

No. of Branches No. of non-formal agencies assoiated Per Branch Outreach

Cumulative (O/S)

3. LOANS & ADVANCES OUTSTANDING

AgencyNo. of accounts Amount of Loan [ '000]`

2. DEPOSITS OUTSTANDING

AgencyNo. of accounts Amount of Deposit [ '000]`

Commercial Banks

Regional Rural Bank

Cooperative Banks

Others

4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs)

AgencyCD Ratio

AgencyDuring 2014-15

All Agencies

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

Amount [ '000]`

% of Total Loans

Amount [ '000]`

% of Total Loans

Amount [ '000]`

% of Total Loans

Amount [ '000]`

% of Total Loans

Amount [ '000]`

% of Total Loans

7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

Agency

2012-13 2013-14 2014-15 Average Ach[%] in

last 3 yearsTarget

[ '000]`Ach'ment [ '000]`

Ach'ment [%]

Target [ '000]`

Average Ach[%] in

last 3 yearsTarget

[ '000]`Ach'ment [ '000]`

Ach'ment [%]

Ach'ment [ '000]`

Ach'ment [%]

Target [ '000]`

Ach'ment [ '000]`

Target [ '000]`

Ach'ment [ '000]`

Ach'ment [%]

Target [ '000]`

Ach'ment [%]

8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

Broad Sector

2012-13 2013-14 2014-15

Ach'ment [ '000]`

Ach'ment [%]

9. RECOVERY POSITION (July - June)

Agency

2012-13 2013-14 2014-15 Average Rec. [%] in last 3

yearsDemand [ `

'000]Recovery [ '000]`

Demand [`'000]

Recovery [ '000]`

Recovery [%]Recovery [%]Demand [`

'000]Recovery [ '000]`

Recovery [%]