EXECUTIVE SUMMARY

Salient Feature of Srikakulam District

Srikakulam is one of the thirteen districts in the State of Andhra Pradesh. The district was carved out from Visakhapatnam District in 1950. The district is located in the North eastern part of the State spread over an area of 5837 square kms covering 38 Mandals with 1863 revenue villages, 1763 villages electrified and 1260 villages connected by all-weather roads and all villages having potable water supply. The net irrigated area is 58.47% of net sown area. Total population of the district is 27.03 lakh of which 61.74% are literate. There are 5.26 lakh farmers in the district out of which 4.98 lakh are small and marginal farmers (1-2 ha) and 0.28 lakh are other farmers (more than 2 ha). Out of the total land holdings of 3.49 lakh ha, the SF/MF holdings constitutes 2.55 lakh ha and other farmer constitute 0.95 lakh ha. It has a seacoast of 193 kms. Paddy is the main crop and 75% of the crop loan goes to this crop. Cash crops like groundnut, mesta, cashew, chillies, oilseeds, pulses and sugarcane are also grown in the district. Coconut, mango and guava are the major horticulture crops. Dairy development, sheep rearing and fisheries are other important activities in the district. The sources of irrigation are canals, tanks, tubewells, and other wells and lift irrigation. The predominant industrial activities in the district are pharmaceutical industries, sugar, pig iron and piston rings, dyestuffs, cables and conductors and liquid glucose extraction. The rainfall during 2014-15 was 1189.7 mm as against normal rainfall of 1162 mm. Banking Profile: The total credit potential for 2014-15, under priority sector for Srikakulam district was estimated at `333,754.00 lakh registering a growth rate of 53%. The target under GLC for 2015-16 was `389,559.00 lakh as against PLP projections of `451,625.81 lakh. The district has a banking network of 188 branches of 25 Commercial and two private banks, 89 branches of Regional Rural Bank (APGVB), 16 branches of District Central Cooperative Bank and 49 PACS. There are 2 farmers’ services cooperative societies. The number of rural branches stood at 139, semi-urban at 96 and urban branches at 37. The credit disbursements by all the agencies in the district during 2014-15 had declined by 11.2% when compared to the 2013.14. The Commercial Banks had contributed 76.8% of the credit flow to priority sector, the share of RRB and DCCB were being 16.73% and 6.47% of the credit flow, respectively. The total deposits and loans outstanding of all the banks in the district were `551,979.79 lakh and `516,298.09 lakhs respectively as on 31 March 2015. The CD ratio of commercial banks was 108.05%, RRB 111.45% and DCCB 444.27% as on 31 March 2015.

Estimated potential for priority sector for 2016-17

During 2012-13 the base PLP-2012-17 with particular reference to 2015-16, coinciding with XII Five Year Plan was prepared. Keeping in view the changes in the scale of finance and unit cost of various agriculture inputs and also the emphasis laid by GOI on agriculture term loans the total priority sector target potentials estimated at `5,14,323.36 lakh for the year 2016-17 against the Base PLP target of `437,565.72 lakh. The crop loan which includes pledge loan and SF/MF loans was projected at `241,709.77 lakh for 2016-17 as against `236,271.43 lakh in Base PLP. This shows an increase trend in credit flow due to increase in scales of finance and Vaddileni Runalu scheme of State Government. During the 2016-17 banks had achieved 43% under ACP crop loan. The projections under Water Resources at `10739.94 lakh, Farm Mechanization at `10362.80 lakh, Plantation and Horticulture `4927.00 lakh, Animal Husbandry at `32,784.35 lakh, Fisheries `,323.09 lakh Agriculture Infrastructure at `18,879.17 lakh, MSME `44,153.64 lakh, Housing Loan `14,146.83 lakh,

Education `5,906.25 lakh, Social Infrastructure at `954.00 lakh and Renewable sources `1,760.43 lakh. The total term lending projected for 2016-17 at `103,796.52 lakh as against Base PLP projections of `56,278.00 lakh. The projections were prepared taking into account change average of five years of GCA and area of SF/MF, increased unit costs and GOI/State Government subsidy schemes which has necessitated revision in certain sectors. The base PLP-2015-16 vis-à-vis the moderated PLP-2015-16 figures were furnished under respective chapters/sectors/sub-sectors in the PLP-2015-16.

4. Highlights of issues/potentials in the district

Crop loans in the district accounts for more than 50% and for diversification of other fruit bearing orchards like cashew, mango, and coconut should be encouraged.

Around 80% of the mandals in the district were devastated by Hudhud cyclone and severe floods during October-November. Paddy and horticultural crops, viz., coconut, banana and cashew were destroyed to a large extent. Infrastructure like rural godowns, proper management and utilization of water by construction of small reservoirs for diverting excess river water for irrigation, judicious use of water during drought by propagating drip and sprinkler irrigation systems among the farmers and agri-markets will go a long way in reducing the loss of major crops in the district.

Keeping in view, a storage gap of around seven lakh MTs, banks should come forward and encourage financing rural godowns along with introduction of Negotiable Warehouse System in the district which will result in increased ATL lending and reduce the loss of distress sale.

Banks should come forward to lend for farm mechanization sector which result in obviating shortage in farm labour.

There is lack of infrastructure for undertaking preservation and processing activities of horticulture crops, viz., oil palm, cashew, pineapple, mango, banana, tomato, turmeric and ginger which are grown in large quantity. FPOs/clusters can be promoted for horticulture sector.

Propagation of custom hiring among small and marginal farmers by promoting agri-business custom hiring is required.

More number of dairy processing units are to be established. There is a need to encourage entrepreneurs in agro-processing both by banks as well

as other developmental agencies. Keeping in view the GOAP Vision 2020 plan, credit to other priority sectors, viz.,

transport operators, retail trade have to be increased by the banks. There is a need for development of training and marketing infrastructure in the

district to enable the SHGs to take up micro enterprise activities and market their produce.

LEC cardholders have to be financed by the banks on a large scale. There is a need to form homogeneous groups preferably exclusive groups for small, marginal and tenant farmers through reorganization of existing groups, capacity building and to take necessary measures to strengthen the scheme including sensitization of stakeholders. JLGs are to be promoted by the banks on a large scale.

The thrust areas, viz., JLG/SHG financing, Weaver Cards, SCC, post-harvest infrastructure, education, housing, food processing, FPO and Area Development Schemes have to be given top priority to increase the Priority Sector lending.

Large number of producer companies can be promoted to tap the societies undertaking activities, viz., hill-broom making, coconut processing, cashew, pineapple, mango, bamboo articles, aloe-vira gel, mushroom cultivation, floriculture and jute bag making will result in increasing the income level of farmers and tribal people.

Broad Sector wise PLP projections – 2016-17 (` lakh)

Sr.No. Particulars Projections 2016-17

A Farm Credit

i Crop Production, Maintenance and Marketing 241709.77

ii Term Loan for Agriculture and Allied activities 94447.89

B Agriculture Infrastructure 5260.14

C Ancillary activities 4088.49

I Credit Potential for Agriculture (A+B+C) 345506.29

II Micro, Small and Medium Enterprises 44153.64

III Export Credit 0.00

IV Education 5906.25

V Housing 14146.83

VI Renewal Energy 1760.43

VII Others 101895.92

VIII Social Infrastructure involving bank credit 954.00

Total Priority Sector (I to VIII) 514323.36

Summary of Sector / Sub-sector wise PLP projections - 2016-17

(` lakh) No. Particulars Projections 2016-17

I Credit Potential for Agriculture

A Farm Credit

i Crop Production, Maintenance, Marketing & NWR financing 241,709.77

ii Water Resources 10,739.94

iii Farm Mechanisation 10,362.80

iv Plantation and Horticulture 4,927.00

v Forestry and Waste Land Development 1,063.17

vi Animal Husbandry – Dairy 24,043.97

vii Animal Husbandry – Poultry 3,990.47

viii Animal Husbandry – Sheep, Goat and Piggery 4,749.91

ix Fisheries 3,323.09

x Others – Bullock, Bullock Cart, etc. 17,350.19

Sub-Total 322,260.31

B Agriculture Infrastructure

i Construction of storage facilities (Warehouses, Market Yards,

Godowns, Silos, Cold storage units/Cold storage chains) 5,260.14

ii Land development, Soil conservation, Watershed development 8,785.07

iii Others (Tissue culture, Agri bio-Technology, Seed production, Bio-

pesticides/fertilisers, Vermin composting) 4,833.96

C Ancillary activities

i Food and Agro Processing 4,088.49

ii

Others (Loans to Cooperative Societies of farmers for disposing of

their producer, Agri Clinics/Agri Business Centres, Loans to

PACS/FSS/LAMPS, Loans to MFIs for on lending) 278.32

Total Agriculture 345,506.29

II Micro, Small and Medium Enterprises

i MSME – Working Capital 26,986.92

ii MSME – Investment Credit 17,166.72

III Export Credit --

IV Education 5,906.25

V Housing 14,146.83

VI Renewable Energy 1,760.43

VII Others (Loans to SHGs/JLGs, loans to distressed persons to prepay

non-institutional lenders, PMJDY, loans to state sponsored

organisations for SC/ST)

101,895.92

VIII Social Infrastructure involving bank credit 954.00

Total Priority Sector 514,323.36

Major Crops/ Activities Production (in Million MTs.)

Rice

0.53

Aqua

0.28

Cotton

0.28

Sugarcane

1.44

Egg

2209 lakh MT

Milk

1.01

Papaya

0.15

Total Geographic Area : 17626 sq km

Coastline : 169 km

Gross Cropped Area : 642,600 Ha

River : Musi, Paleru, Manneru

% area under agri & allied : 71.82%

At a Glance

Agricultural & Horticulture Research Stations

Darsi

KVK

Darsi and Kandukur

PLP 2016-17 Prakasam

7

District - Division -

17626

17

56

1002

1030

1762600 Normal 2012-13 2013-14 2014-15

459303 872 841 912 562

335267 (-)31 40 (-)310

55928 Balance

3700 115486

62221

95767

944707 Nos. % to Total ha. % to Total

553000 378940 61.75 179838 21.50

642600 170081 27.71 239523 28.60

89600 121532 19.80 417682 49.90

116 670553 100.00 837043 100.00

3785 Total Male Female Rural Urban

2271 3397 1714 1683 2733 664

673 788 397 391 698 90

36 151 77 74 124 27

48 1904 1107 797 1436 468

441

860 927 293

692 715 282

232 145

1002 4244 55

1002 85 16

783 535 1574

183

1002 2082 132865

85 330693 128276

1002 193 15

1002 146735 3

4155 2

654784 108 2010

614784 3980 1

265233

135427 4 3

181000 7650 176

61000 227 154824

86368 15225 50

463795 26974 301900

No of units Cap.[MT] Crop

521 653100 Area (ha) Prod. (MT) Area (ha) Prod. (MT)

51762 184312 139000 538000 3841

6 180 112136 179418 69000 134000 1945

57 21680 56606 25473 54000 49000 913

15 450 26686 13343 14000 12000 800

101 12120 22144 42923 28000 117000 4397

33 77305 67000 208000 84000 281000 566

7 20000 72000 133000 86000 168000 1941

3 303

Category of animal Total Male Female 128 4

Cattle - Cross bred 2184 206 1978 3 2036

Cattle - Indigenous 72346 23086 49620 220 156

Buffaloes 970319 157937 812382 1 2

Sheep - Cross bred NA NA NA 1 51

Sheep - Indigenous 1406401 224365 1182036 278

Goat 406260 62248 344012 35100 8

Pig - Cross bred NA NA NA

Pig - Indigenous 10073 4432 5641 Fish 55964 45

Horse/Donkey/Camel 0 NA NA Egg 2209 65

Poultry - Cross bred NA NA NA Milk 1061 856

Poultry - Indigenous 1190000 211375 978625 Meat 61003 49

District Profile Appendix - 1

Prakasam State - Andhra Pradesh South

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE

Total Geographical Area (Sq.km)Agro-climatic Zone East Coast Plains & Hill district - South Coastal Andhra Region Zone II

No. of Sub Divisions

No. of Blocks Climate Semi Arid

No. of Villages (Inhabited)Soil Type DeltaicAlluvium, Deep black, Red and Black.

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 161414 45928

Cultivable Wasteland 5. DISTRIBUTION OF LAND HOLDING

Current FallowClassification of Holding

Holding Area

Other Fallow

Net Sown Area <= 1 ha

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

Area Cultivated More than Once >2 ha

Cropping Inensity [GCA/NSA] Total

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

Cultivators Category

Of the above, Small/Marginal Farmers Population

Agricultural Labourers Scheduled Caste

Workers engaged in Household Industries Scheduled Tribe

Workers engaged in Allied Agro-activities Literate

Other workers BPL

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

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

Rural Households Having source of drinking water Having independent toilets

BPL Households Having access to banking services Having radio/TV sets

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

Villages Electrified Anganwadis Dispensaries

Villages having Agriculture Power Supply Primary Health Centres Hospitals

Villages having Post Offices Primary Health Sub-Centres Hospital Beds

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

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]

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

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

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

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

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

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

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

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

Type of Processing Activity 2012-13 2013-14 Avg. Yield

[kg/ha]Food (Rice/Flour/Dal/Oil/Tea/Coffee)

Sugarcane (Gur/Khandsari/Sugar) Rice

Fruit (Pulp/Juice/Fruit drink) Bengalgram

Spices (Masala Powders/Pastes) Redgram

Dry-fruit (Cashew/Almond/Raisins) Blackgram

Cotton (Ginnining/Spinning/Weaving) Chillies

Milk (Chilling/Cooling/Processing) Cotton

Meat (Chicken/Mutton/Pork/Dry fish) Tobacco

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 2012 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES

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

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

Artificial Insemination Centers [Nos] Fishermen Societies [Nos]

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

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

Dairy Cooperative Societies [Nos] Poultry hatcheries [Nos]

Improved Fodder Farms [Nos] Slaughter houses [Nos]

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

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

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

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

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

2011; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census 2007; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat.

PLP 2016-17 Prakasam

10

District - State -

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

Scheduled Commercial Banks 31 319 127 106 76 39962 431 7.8 5406

Regional Rural Bank 1 88 52 31 5 15487 30 19.3 13307

District Central Coop. Bank 1 29 8 14 7 443 16 34.55 29655

Coop. Agr. & Rural Dev. Bank NA NA NA NA NA Nil Nil Nil Nil

Primary Agr. Coop. Society 176 176 176 NA NA 23 Nil 5.69 4886

Others 6 6 2 NA 4 Nil Nil Nil Nil

All Agencies

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

Scheduled Commercial Banks 2226398 2218503 52484100 70116300 67301700 -4.01 79.7

Regional Rural Bank 471866 563299 438550 -22.15 7265400 8915200 11628000 30.43 13.8

Cooperative Banks 92657 92657 122227 31.91 3228700 3895400 4765000 22.32 5.6

Others 727200 0.9

All Agencies 2790921 2874459 62978200 82926900 84421900 100.0

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

Scheduled Commercial Banks 1074930 1068981 102175800 137622000 122190800 -11.21 84.56

Regional Rural Bank 179017 193630 144378 -25.44 12844700 14360000 14402800 0.30 9.97

Cooperative Banks 114293 114293 115632 1.17 4980200 7411600 6204800 -16.28 4.29

Others 196 196 847800 3752200 1705600 -54.54 1.18

All Agencies 1368436 1377100 120848500 163145800 144504000 -11.43 100.00

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

Scheduled Commercial Banks 194.68 196.28 181.56

Regional Rural Bank 176.79 161.07 123.86 1645.00 2516.00

Cooperative Banks 154.25 190.27 130.22

Others

All Agencies 191.89 196.73 171.17

Scheduled Commercial Banks 27479403 73 22738403 71 94925 80 1275.00 100 8104700 87

Regional Rural Bank 5325300 14 4528800 14 23730 20 1118600 12

Cooperative Banks 4874097 13 4874097 15 98400 1

Others

All Agencies 37678800 100 32141300 100 118655 100 1275 9321700

Scheduled Commercial Banks 21078700 21492400 101.96 31100000 26020000 83.67 35887100 27479403 76.57 87.40

Regional Rural Bank 3725600 5797700 155.62 5950000 6770000 113.78 6147700 5325300 86.62 118.67

Cooperative Banks 9475700 7269900 76.72 6020000 7870000 130.73 4132600 4874097 117.94 108.47

Others 500000 390000 78.00

All Agencies 34280000 34560000 100.82 43570000 41050000 94.22 46167400 37678800 81.61 92.22

Crop Loan 20400000 26550000 130.15 26003200 28000100 107.68 317568 254508 80.14 105.99

Term Loan (Agr) 8680000 6090000 70.16 8137500 6675200 82.03 93526 66905 71.54 74.58

Total Agri. Credit 29080000 32640000 112.24 34140700 34675300 101.57 411094 321413 78.18 97.33

Non-Farm Sector 2300000 1970000 85.65 3014600 3204600 106.30 20564 31500 153.18 115.05

Other Priority Sector 2900000 2470000 85.17 2901600 2491600 85.87 30016 23875 79.54 83.53

Total Priority Sector 34280000 37080000 108.17 40056900 40371500 100.79 46167400 37678800 81.61 96.86

Scheduled Commercial Banks 28000000 10000000 36

Regional Rural Bank 353740 257690 73 7900000 4976000 63

Cooperative Banks ( PDCCB Only) 63189 58036 92 5822300 3819700 66 4851900 4533800 93 83.63

Others

All Agencies 28416929 10315726 36

Sources : Lead Bank & SLBC

Banking Profile Appendix - 2

Prakasam Andhra Pradesh Lead Bank - Syndicate 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

2. DEPOSITS OUTSTANDING

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

3. LOANS & ADVANCES OUTSTANDING

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

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

AgencyCD Ratio

AgencyDuring 2014-15 Cumulative

Scheduled Commercial Banks

Regional Rural Bank

Cooperative Banks

Others

All Agencies

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

AgencyPriority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women

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

7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

Agency2013-14 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 [%]

8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

Broad Sector2013-14 2014-15 Average

Ach[%] in

last 3 years

Target

[Rs.'000]

Ach'ment

[Rs. '000]Ach'ment [%] Target [Rs.'000]

2013-14 2014-15 Average

Rec. [%] in

last 3 years

Demand [Rs.

'000]

Recovery

[Rs. '000]Recovery [%]

Demand [Rs.

'000]

Recovery

[Rs. '000]Recovery [%]

2012-13

Target

[Rs.'000]

Ach'ment

[Rs. '000]

Ach'ment

[%]

Ach'ment

[Rs. '000]Ach'ment [%]

Target

[Rs.'000]

Ach'ment

[Rs. '000]

Ach'ment

[%]

2012-13

2012-13

Demand [Rs.

'000]

Recovery

[Rs. '000]

Recovery

[%]

9. RECOVERY POSITION

Agency