EXECUTIVE SUMMARY

The theme for the PLP 2016-17 is “Accelerating the pace of capital formation in Agriculture and Allied Sector.” The total geographical area of Thane district is 5,942 sq.km divided into four sub-divisions. There are 7 talukas in Thane district. As per 2011 census, the district has a population of 59.89 lakh. The average density of population is 1,008 per sq.km as against the State position of 365 per sq.km. Of the total population 77% lives in urban areas. The district receives an average normal annual rainfall of 2,517 mm and the actual rainfall during the year 2014-15 was 2,511 mm. The farming in the district is predominantly rainfed and paddy is the main crop grown during Kharif season. Other crops grown are nagali, varai, urad, soyabean, groundnut, etc. Major horticultural crops are mango, cashew and banana. Vegetables are grown under irrigation in Shahapur, Bhiwandi and Murbad talukas. Aqua-culture is the vital activity in coastal blocks with marine, brackish water and inland fisheries. It has thick forest in Shahapur and Murbad talukas. The mineral wealth in the form of sand is excavated from creeks and riverbeds and stone crushing units have come up in Bhiwandi, Kalyan and Thane areas. There are 8 MIDC industrial estates and two co-operative industrial estates in the district. MIDC has established a Millennium Industrial Park in Navi Mumbai. Thane district is fairly well banked with 755 branches of Commercial Banks, 11 branches of Maharashtra Gramin Bank and 63 branches of Thane DCCB. However, concentration of branches (more than 3/4th) is in urban and semi-urban areas. As such tribal belt of the district remains poorly covered in terms of branch network. The ground level credit disbursement under priority sector during the last three years was as under: (` lakh)

Sr. No.

Sector 2012-13 2013-14 2014-15

1 Crop loan 21123.96 53294.05 14516.98

2 Agri. Term loan 16339.39 15056.29 12112.49

3 MSME 114673.45 112266.67 118938.48

4 Other Priority Sector 370785.61 381170.83 247477.33

Total 522922.41 561787.84 393045.28 *The targets and achievements for the year 2012-13 and 2013-14 pertains to undivided Thane district.

The overall performance of banks under District Credit Plan during the years 2012-13 and 2013-14 was more than 100%. However, the same during the year 2014-15 was 82.9%. There is need to improve performance under term loans for agriculture and allied activities. RBI has revised the Priority Sector Lending (PSL) norms vide circular dated 23 April 2015 bringing more activities within the definition of priority sector. Accordingly, the composition and content of PLP document have been revised so as to align with the revised guidelines on PSL. Taking into account the new activities brought under the priority sector lending norms,

PLP 2016-17

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the assessment of credit potential for priority sector for Thane district for the year 2016-17 has been made at ` 589905.99 lakh. The plan envisages an overall growth of 70.2% over the PLP for 2015-16. The major constraints/critical infrastructure requirements of the district as also infrastructure/linkages identified for various sectors and suggested action plan are given below:

• As only 8.2% of net sown area in the district it needs to be increased through construction of small/medium rainwater harvesting structures and adopting watershed approach. Desilting small and medium reservoirs may be taken up.

• MSEDCL to provide electricity connections to pending applicants. • Bringing more area under drip and micro irrigation • Cold storages for vegetables/fruits • Thane district has been selected for Alphanso mango AEZ by APEDA. The

same may be taken up. • More veterinary dispensaries, AI centers, Live stock market • Breeding farm for rams and bucks • The fish landing centers lack basic amenities for fish landing, cold chain and

processing, boat repair and maintenance. • There is a need to expand and strengthen preservation and processing

facilities. • The system of warehouse receipts needs to be introduced. • The modern Day Terminal Market proposed in the district to be set up.

Area Based Schemes: Considering the large number of small and marginal farmers as also predominantly tribal area, there is a need to promote single purpose small scheme on a cluster basis. Considering substantially large urban population and proximity to the metropolis of Mumbai there is very good potential for marketing of milk and milk products. Therefore, area development scheme on dairy has been prepared in consultation with the line departments and banks. Thrust areas: There is good scope for formation and credit linkage of Self Help Groups (SHGs) and Joint Liability Groups (JLGs) in the district. PESA- In Thane district, 3 blocks have been notified under PESA (Panchayat Extension to Scheduled Areas). There is a need to provide adequate credit in these blocks and hence, credit flow vis-à-vis credit potentials are assessed and focused alongwith various developmental initiatives of NABARD. Conclusion: There is a need for a coordinated approach for enhancing capital formation, strengthening of SAMIS reporting system, better monitoring and review at BLBC/DCC meetings, effective implementation of financial inclusion plans including coverage of oral lessees, tenant farmers into Joint Liability Groups, etc.

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Thane District

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BROAD SECTOR-WISE PROJECTIONS-(2016-17)

Districts: Thane State: Maharashtra (` lakh)

Sr. No.

Sector/Activity

PLP projections

1 Crop Production 21580.75

2 Term loan for Agriculture and Allied Activities 8795.45 3 Agriculture Infrastructure 1203.02 4 Agriculture Ancillary activities 1455.90 Total Investment under Agriculture and Allied

Activities (1+2+3+4) 30376.20

5 Credit Potential for Micro, Small and Medium Enterprises (MSME)

161330.75

6 Potential for Export Credit 9000.00 7 Credit Potential for Education 51255.00 8 Credit Potential for Housing 234562.50 9 Credit Potential for Renewal Energy 354.04 10 Credit Potential for Others 98897.50 11 Social Infrastructure involving bank credit 4130.00

Total Priority Sector

589905.99

21580.758795.45

1203.02

1455.9

161330.75

9000

51255234562.5

354.04 98897.5

4130

PLP projections 2016-17- Thane district

Crop Production

TL for Agriculture & AlliedActivitiesAgriculture Infrastructure

Agriculture Ancillary activities

MSME

Export Credit

Education

Housing

Renewal Energy

Others

Social Infrastructure

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SUMMARY OF SECTOR / SUB-SECTOR-WISE

PLP PROJECTIONS 2016-17

Districts: Thane State: Maharashtra

(` lakh)

Sr. No. Sector Amount

1 Crop Production, Maintenance and Marketing 21580.75 Agriculture Term Loan

2 Water Resources 955.63 3 Farm Mechanization 1201.05 4 Plantation & Horticulture 639.61 5 Forestry and Wasteland Development 90.20 6 Animal Husbandry - Dairy Development 1295.37 7 Animal Husbandry - Poultry Development 829.35 8 Animal Husbandry - Sheep, Goat and Piggery Development 501.75 9 Fisheries Development 466.43 10 Others 157.14

Agriculture Infrastructure 11 Storage Godowns / Market Yard 451.50 12 Land Development 470.27 13 Others 281.25 Ancilliary Activities

14 Food and Agro Processing 848.40 15 Others 607.50 Total Agriculture Term loan 8795.45 Total Agriculture (Crop loan + Term loan) 30376.20

16 Credit Potential for Micro, Small and Medium Enterprises (MSME) 161330.75

17 Potential for Export Credit 9000.00 18 Credit Potential for Education 51255.00 19 Credit Potential for Housing 234562.50 20 Credit Potential for Renewal Energy 354.04 21 Credit Potential for Others 98897.50 22 Social Infrastructure involving bank credit 4130.00

Total Priority Sector 589905.99

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MAP OF THANE DISTRICT

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District - Division -

415947

573415

415900 Normal 2012-13 2013-14 2014-15137400 2517 2942 2242 251186447 425 -275 -631000 Balance25100 11441190001200010000 Nos. % to Total Ha. % to Total

230000 127024 53 51531 12238159 51449 22 74477 17

NA 59946 25 300895 69102 238419 100 426903 100

1485 Total Male Female Rural UrbanNA 5989 3263 2726 802 5187

754 NA NA NA NA NA234 NA NA NA NA NA

NA NA NA NA NA NA2522 NA NA NA NA NA

777 NA NANA NA NA

43 NA NA

573 NA NA573 NA NA

NA NA NANANA 456 NANA 9555 NANA 71 NA

573 2 NANA NA

41226 NA 786009 NA 1

18827NA NA NA

18600 NA NA- NA NA

227 NA NANA NA NA

No of units Cap.[MT]525 NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT)Nil Nil 137800 29890 134800 328700 2438NA NA 15800 10700 11400 9100 794NA NA 12000 6500 8800 5600 640NA NA 12100 7400 7400 5100 681835 NA 3700 1000 24 1200 5057 NA 6836 89892 6920 92682 13393

40 NA5 NA

Category of animal Total Male Female 47 2

Cattle - Cross bred 21 5 16 NA NA

Cattle - Indigenous 433 243 190 36 NABuffaloes 185 32 153 NA NASheep - Cross bred Nil Nil Nil NA NASheep - Indigenous 1 0.5 0.5 NA NAGoat 188 58 130 NA NAPig - Cross bred 2 1 1Pig - Indigenous 3 2 1 Fish 123792 11Horse/Donkey/Camel 2 1 1 Egg 799 7Poultry - Cross bred 537 NA NA Milk 1883 170Poultry - Indigenous 1495 NA NA Meat NA NA

Production [Lakh Ltrs] 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 Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census 2012; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat. (The data

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.]

Animal Breeding Farms [Nos] Fish seed farms [Nos]Animal Husbandry Tng Centres [Nos] Fish Markets [Nos]Dairy Cooperative Societies [Nos] Poultry hatcheries [Nos]

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

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

Artificial Insemination Centers [Nos] Fishermen Societies [Nos]

Meat (Chicken/Motton/Pork/Dryfish)Animal feed (Cattle/Poultry/Fishmeal)

17. ANIMAL POPULATION AS PER CENSUS 2007 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES

Dry-fruit (Cashew/Almond/Raisins) PulsesCotton (Ginnining/Spinning/Weaving) OilseedsMilk (Chilling/Cooling/Processing) Vegetables

Sugarcane (Gur/Khandsari/Sugar) PaddyFruit (Pulp/Juice/Fruit drink) NagliSpices (Masala Powders/Pastes) Other cereals

15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPSType of Processing Activity

Crop2012-13 2013-14 Avg. Yield

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

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]

Area irrigated by Wells Length of Pucca Road [Km] Godown [Nos]Area irrigated by Tanks Length of Railway Line [Km] Godown Capacity[MT]

Irrigation Potential Created Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos]Net Irrigated Area(Total area irrigated at least once) 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETINGArea irrigated by Canals / Channels Rural/Urban Mandi/Haat [Nos] Wholesale Market [Nos]

13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] Plantation nurseries [Nos]Total Area Available for Irrigation (NIA + Fallow) Power Tillers [Nos] Farmers' Clubs [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]

Villages having Banking Facilities 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTUREVillages 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 Agriculture Power Supply Primary Health Centres HospitalsVillages having Post Offices Primary Health Sub-Centres Hospital Beds

BPL Households Having access to banking services Having radio/tv sets10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos]

Villages Electrified Anganwadis Dispensaries

Total Households Having brick/stone/concrete houses Having electricity supplyRural Households Having source of drinking water Having independent toilets

Workers engaged in Allied Agro-activities Literate (%)Other workers BPL

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

Of the above, Small/Marginal Farmers PopulationAgricultural Labourers Scheduled CasteWorkers engaged in Household Industries Scheduled Tribe

Cropping Intensity [GCA/NSA] Total6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000]

Cultivators Category

Net Sown Area <= 1 HaTotal or Gross Cropped Area >1 to <=2 HaArea Cultivated More than Once >2 Ha

Cultivable Wasteland 5. DISTRIBUTION OF LAND HOLDINGCurrent Fallow

Classification of HoldingHolding Area

Other Fallow

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

Net annual recharge Net annual draftLand under Miscellaneous Tree Crops 13596 2155

Total Area ReportedRainfall [in mm]

ActualForest LandArea Not Available for Cultivation Variation from Normal

No. of Villages (Inhabited)Soil Type Sandy and Red Loamy, Coastal Alluvium, Laterite

No. of Gram Panchayats3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER

Total Geographical Area (Sq.km)Agro-climatic Zone (i) Western Plateau (ii) Hills

No. of Sub DivisionsNo. of Blocks Climate Warm and Humid

District Profile Thane State - Maharashtra Konkan

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE

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District - State -

Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages HouseholdsCommercial Banks 28 755 259 351 145 - - - 1 1Regional Rural Bank 1 11 1 2 8 - - - 83 71District Central Coop. Bank 1 63 7 15 41 - - - 9 12Coop. Agr. & Rural Dev. Bank - - - - - - - - - -Primary Agr. Coop. Society 202 - - - - - - - - -Others 1 1 1 - - - - - - -All Agencies 31 830 268 368 194 - - - 1 1

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 877516200 916980900 764476900 NA NARegional Rural Bank NA NA NA NA NA 3122600 3815900 4319700 NA NACooperative Banks NA NA NA NA NA 39233100 42760242 29223400 NA NAOthers - - - - - - - NA NA NAAll Agencies - - - - - 919871900 963557042 933952900 NA NA

31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%)Commercial Banks - - - - - 415797000 437063800 289474900 NA NARegional Rural Bank - - - - - 1591200 1987500 2076700 NA NACooperative Banks - - - - - 19054200 20235700 12879600 NA NAOthers - - - - - - - NA NA NAAll Agencies - - - - - 436442400 439051300 406978200 NA NA

31-Mar-13 31-Mar-14 31-Mar-15 Deposit Credit Deposit CreditCommercial Banks 48 47 38 NA NA NA NARegional Rural Bank 51 52 48 NA NA NA NACooperative Banks 49 47 46 NA NA NA NAOthers - - - NA NA NA NAAll Agencies 49 46 43 NA NA NA NA

Commercial Banks 36772461 93 947816 35 NA NA NA NA NA NARegional Rural Bank 186329 1 7413 1 NA NA NA NA NA NACooperative Banks 2345738 6 1707718 64 NA NA NA NA NA NAOthers - - - - NA NA NA NA NA NAAll Agencies 39304528 100 2662947 100 NA NA NA NA NA NA

Commercial Banks 29992369 31217385 104 38904676 45912164 118 43084419 36772461 85 102Regional Rural Bank 240000 283045 118 250000 537382 215 273400 186329 68 134Cooperative Banks 4607669 3912635 85 3517233 5842695 166 3617447 2345738 65 105Others - - - -

All Agencies 34840038 35413065 102 42671909 52292241 123 47399086 39304528 83 102

Crop Loan 941032 1250837 133 1746089 2112396 121 1243820 1451698 117 124Term Loan (Agr) 2134922 1246550 58 5019065 1633939 33 1628108 1211249 74 55Total Agri. Credit 3075954 2497387 81 6765154 3746335 55 2871928 2662947 93 76Non-Farm Sector 7209240 5971107 83 11467345 14105764 123 12894048 11893848 92 99Other Priority Sector 24554844 26944571 110 37078561 29590593 80 31633110 24747733 78 89Total Priority Sector 34840038 35413065 102 42671909 52292241 123 47399086 39304528 83 102

Commercial Banks NA NA NA NA NA NA NA NA NA NARegional Rural Bank NA NA NA NA NA NA NA NA NA NACooperative Banks 3778361 3261217 86 NA NA NA 11560252 8935718 87 NAOthers - - - - - - - - - -All Agencies - - - - - - - - - -

Sources : Lead Bank & SLBCThe figures for 2012-13 and 2013-14 pertains to undivided Thane district

Banking Profile Thane Maharashtra Lead Bank - Bank of Maharashtra

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

Agency No. of Banks/Soc.

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

2. DEPOSITS OUTSTANDING

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

3. LOANS & ADVANCES OUTSTANDING

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

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

AgencyCD Ratio

AgencyDuring 2014-15 Cumulative

Commercial BanksRegional Rural BankCooperative BanksOthersAll 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 [`'000]

% to Total Loans

Amount [`'000]

% to Total Loans

Amount [`'000]

% to Total Loans

Amount [`'000]

% to Total Loans

Amount [`'000]

% to Total Loans

7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

Agency2012-13 2013-14 2014-15 Average

Ach[%] in last 3 years

Target [`'000]

Ach'ment [` '000]

Ach'ment [%]

Target [`'000]

Ach'ment [` '000]

Ach'ment [%]

Target [`'000]

Ach'ment [` '000]

Ach'ment [%]

8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

Broad Sector2012-13 2013-14 2014-15 Average

Ach[%] in last 3 years

Target [`'000]

Ach'ment [` '000]

Ach'ment [%]

Target [`'000]

Ach'ment [` '000]

Ach'ment [%]

Target [`'000]

Ach'ment [` '000]

Ach'ment [%]

9. RECOVERY POSITION

Agency2012-13 2013-14 2014-15 Average Rec.

[%] in last 3 years

Demand [` '000]

Recovery [` '000]

Recovery [%]

Demand [` '000]

Recovery [` '000] Recovery [%] Demand [`

'000]Recovery [`

'000] Recovery [%]

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Thane District

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