CHAPTER-I DISTRI CT PROFILE History - balangir.nic.in Bank/ACP BLGR 2010 2011.pdfCHAPTER-I DISTRI CT PROFILE History ... view of proximity to Kalahandi, Sambalpur and Sonepur,

1 ACP BOLANGIR 2010-2011

CHAPTER-I

DISTRI CT PROFILE

History

Balangir town was founded by Balaram Deo, the 12th Raja of Patna (Princely state) and

constructed it as the capital city of his own kingdom during the middle of 16th century. The

capital of Patna (Princely state) was Patnagarh, But during the middle of the 16th century

Balaram Deo decided to shift the capital to 40 kilometres south of Patnagarh and he

selected the place which was in between two kingdoms i.e. Sambalpur and Kalahandi. In

view of proximity to Kalahandi, Sambalpur and Sonepur, Balaram Deo decided to built one

fort called Balaram fort and subsequently he established the Balangir town, then called as

Balaram Garh. The town was known as Balaramgarh, which presumably owed its name

from the king Balaram Deo, though there is no documented history of Bolangir to support

this theory. The present name Balangir has been derived from Balaramgarh. He had built

a Palace called "Sheesh Mahal" whose ruins can still be found at the Old Palace road in

Balangir Town. Balangir is said to be the first planned town of Orissa. The planning of

Balangir town and its well laid out roads was meticulously done by Pandit Bidyaratna

Vidyabhusan in whose honour the Govt. Sanskrit College has been named.

The history of Bolangir reveals that in the rural set up, tantric culture attained popularity.

Balaram Deo was a patron of Art and culture and also experimented the form of republican

government and encouraged the public participation on politics. But he was succeeded by

Ramai Deo, who abolished the form of republican Government and repudiated the concept

of popular participation in politics. The history of Bolangir is marked with the militant

expedition and oppression of Ramai Deo. He became the head of the cluster of 18 garhs.

The Chauhan rule continued till the whole of Orissa came under the sway of the British

with the sanction of the grant of Diwani. The Chauhan rule ended with the merger of the

state of Patna and Sonepur with Orissa on the 1st January, 1948. They together from the

district of Bolangir. Sonepur was carved out as a separate district on 1993.


Official flag of Royal Family of

Bolangir -Ex Patna state.

Patna and Sonepur constituted the integrated whole of the Bolangir District. Till 1st

January, 1948, the ruler of Bolangir was Sri Rajendra Narayan Singh Deo, who happened

to be the last ruler of the Princely State after integrasting with Orissa State. It was he who

successfully made transition to the democratic politics and served as the Chief Minister of

Orissa from 1967 to 1971.

Balangir is one of the three “KBK” (Koraput, Balangir, Kalahandi) districts of Orissa where

major population includes the tribes of Kutia, Khonds, Binjhals & Gands. The district is

famous for the Bhulias & Kastias, master craftsmen who carve excellent motifs on cotton &

tassar fabrics. It is the land of Tantrik culture.

Language

The chief communicative language of Bolangir District is Kosali or Sambalpuri language.

Each and every word is enriched with deep meaning. Kosli is not the dialect of any

language. All the words of this language originated and developed from Sanskrit through

Prakrit. Kosli as its mother tongue is spoken in a large area encompassing the western

part of Orissa.

Customs and Traditions

Art and culture

The Koshal region is culturally influenced by several different cults and religions. Its history

dates back to the Mahabharat and Buddhist period. Beginning from "Dand" (Danda Yatra

and Danda Nata), which is considered to be one of the oldest forms of variety

entertainment in India, to the modern "Krushnaguru Bhajan", a type of folk lyrics and

songs.

http://en.wikipedia.org/wiki/Sambalpuri_language

http://en.wikipedia.org/wiki/Dand

http://en.wikipedia.org/wiki/Bhajan

http://en.wikipedia.org/wiki/Lyrics


Folk musical instruments

The folk musical instruments which are in vogue in the Koshal region are Dhulak, Pakhoj,

Dugitabla, Mridanga, Mardal, Nagara, Behela, Khanjani, Muhuri, Bansi, Ghulghula,

Ghunguru, Kendera, Dhol, Madal, Nishan etc..Out of these the Dhol, Madal, Nishan and

Tasha , the four oldest percussion instruments have been used in combination in almost

all types of folk songs. Dhol is the oldest instrument of this region, which is the easiest to

make. Madal is the second percussion instrument which shows craftsmanship. Nishan is

the miniature of Nagara which is carried by the dancer over his shoulder or around his

waist, while he dances.

Indoor Games of Kosal

There are many Indoor games in Kosal region, many of which are extinct and currently not

being played anymore but the following two games even to-day are still are played only by

some of the tribal villagers.

CHHAKA: Chhaka is an indoor game popular among women folk. It is played with

the help of 6 pieces of large-sized shell (couri) and 16 pieces of multi coloured

wooden dots. The game is so popular that a complete set of "Couris‟ and dots is

taken by the bride to her husband‟s house after marriage.

GANJAPA: The game is probably named after its inventor Gajapada. It is played

with circular shaped cards, each card one and half inches in diameter.

Kosli Cuisine or Sambalpuri Food

Kosli cuisine or popularly Sambalpuri food has a great significance with the Kosli

cultural identity as it is quite different in every sense from the rest of Orissa. Some of the

important Kosli food are Kardi (Bamboo Shoot), Hendua Chutchuta, Chaul bara, etc.

Handlooms & Handicrafts

The Sambalpuri saree is one of the oldest form of hand woven textiles. It is made from

cotton woven on handloom, and is popular not only in Orissa but also throughout India.

http://en.wikipedia.org/wiki/Dhol


Varieties of the Sambalpuri sarees include Sonepuri, Pasapali, Bomkai, Barpali, Bapta

saris which command substantial demand in market for its beauty and quality. Most of the

names of sarees owe their names to the places of their origin. These sarees are so

beautiful and the colour mix is so enchanting that these enhance the beauty of the

wearers. Terracotta is also a traditional Kosali art of making things using clay. Artisans of

Patnagarh also have the mastery of weaving carpets and are much in demand in Uttar

Pradesh.

Ornaments

Koshali tribal women wear a type of necklace known as Khagla, a round ornament made

from silver. In the upper part of the ear they use an ornament known as Jhalka, in the

earlobe they wear an ornament called Gathia, and in the nose, an ornament known as

Jharaguna.In their hair they wear Panpatri, Belkhadi, (a small stick used to clip flowerbuds

onto hair). They wear two types of ornaments in their hands, known as Katria and Bandria.

In the arms they wear one type of ornament known as Tadla. In the legs they wear Painry

or Tudal. Rings are also used on fingers and toes.They also wear Janyiphool and Karai

Phool, two types of flower. The cloth which local women wear is known as Kapta, that is

same as Sambalpuri Saree but is shorter, less wide and thicker.

Festivals

Bhaijuntia: Bhaijuntia is celebrated on the Mahastami Day of Durga Puja. The women fast

for the whole day and night to seek Goddess Durga‟s blessing for the long life of their

brothers (bhais).

Nuakhai: This is the most important mass social festival of Bolangir as well as of whole

western Orissa among Hindus. Generally it takes place during the month of August and

September. The first grains of the paddy crop cooked into various dishes are offered to the

deities. Thereafter the eldest member of the family distributes new rice to the junior

members of the family. People greet each other by saying with reverence “Nuakhai

Juhar”. It is a community festival celebrated by every Hindu family low and high.


Puajuntia: The Puajuntia festival is observed by mothers by fasting for the whole day and

nigh to invoke the grace of Lord Dutibahana for the long life and prosperity of their sons.

Shiva Ratri Mela at Huma and Titilagarh attracts a large numbers of devotees. Ratha

Jatra is held at almost all central places of Bolangir.

Shrabana Purnima - Devotees of Lord Shiva travel long distance by walk to places like

Harishankar, Belkhandi near Titilagarh to pray and offer holy water to the God. People

from other neighbouring States also come to these places to worship.

Sital Sasthi: It is the Marriage Ceremony of Lord Shiva with Goddess Parvati. The festival

is observed in the month of June with pomp and ceremony at Bolangir and is extended for

a week.

There are other jatras like the Sulia Jatra and Patakhanda Jatra in Jarasingha etc are

held with great flavour.

Places of interest

DHARPAGARH: A place of historic importance, Dharapagarh has a big tank called

"Dashamati Sagar" covering an area of above 100 acres. It is believed to be the habitat of

some water nymphs. The tank is guarded with the shrines of Chandi, Duarsuni, Samalei,

Patneswari, Siva and Vishnu. A dip in the tank is considered auspicious.

Distance 50 Kms from Dist. HQ Communication Road Rail - Nearest station- Bolangir

GAIKHAI M.I.P : A place of great scenic beauty, Gaikhai is surrounded by green capped

hills on three sides. An ideal place for picnic .

Distance 30 Kms from Dist. HQ Communication Road Rail - Nearest station- Bolangir

HARISHANKAR: On the Southern slope of the Gandhamardan hills stands Harishankar, a

place of pilgrimage with enchanting natural scenic charms. In the Hari-Shankar Temple

Lord Shiva and Lord Bishnu are worshiped togeather. A perennial stream flows side by the

temple as if continuously washing the feet of the Deities. As a cool resort in the lap of

nature, Harishankar is an ideal rest place to get relief from the heat of the summer . On


the Northern slope of the Gandhamardan hills lies Nrusinghanath in Bargarh district. Both

the places are connected by a hill top road of 16 kms., which the pilgrims cover in a day on

foot during Nrusingh Chaturdasi. Trekkers and adventurists also find the journey an

interesting one.

Distance 81 Kms from Dist. HQ Communication Road Rail - Nearest station- Kantabanji,

PATNAGARH: The ancient capital of the kingdom of Patna. The temples of Pataneswari

in Chalukyan style and that of Someswar Siva belonging to the 12 th Century are the

monuments of prominence. One can find here the remnants of the earliest group of

temples build during the Chauhan rule.

Distance 40 km from District HQ Communication Road Nearest Railway station Bolangir

RANIPUR-JHARIAL: Ranipur Jharial is known as "Soma Tirtha" in scriptures. It combines

a section of religious faiths like Saivism, Buddhism, Vaisnavism and Tantrism. The circular

open vault enclosure of sixty-four yoginis, the major attraction of the place, is one of the

four such shrines in India. The temple of Someswar Siva is the noted one among about 50

temples here. The majestic brick temple of Indralath is said to be the highest brick temple

of Orissa.

Distance 100 km from Dist. HQ Communication Road Rail - Nearest station- Kantabanji

SAINTALA: Saintala is noted for its Chandi temple which is now in ruins. Goddess Chandi

in Mahisamardini form is presently installed in a small mound. The Dasavatara (Ten

incarnations) image of Lord Vishnu and Broken door jamb with figures of Ganga and

Yamuna are among the remarkable places of sculpture. Badmal is the nearby village

where the Ordnance Factory is situated.

Distance 40 km from Dist. HQ Communication Road Rail - Nearest station- Saintala


INTELLECTUAL DEVELOPMENT

The District Manuscript Committee has identified 2459 manuscripts pertaining to various

subjects signifying the intellectual development of the people in the past period. The

Manuscripts surveyed are on different topics viz. Purana(1367 nos) Ayurvedic(334),

Karmakanda, Tantra, Astrology , Literature, Yoga etc.

LOCATION & GEOGRAPHY

The geographical area of the district is 6575 Sq. Kms.

The Bolangir district is flanked in

The north west by the Gandhamardhan Hills, a name of Ramayan fame.

The north east by the rock infested Mahanadi.

The district was formed on 1st Nov,1949. Sonepur was carved out as a separate district

on 1.4.1993. The district is bounded by

Sonepur and Boudh in the east

Nuapara in the west

Kalahandi in the south

Bargarh in the north

Bolangir district lies between

20o11'40" - 21o05'08" North latitude

82o41'15" - 83o40'22" East latitude

(2) ADMINISTRATIVE SET UP:

The district has been divided into three sub-divisions namely Bolangir, Patnagarh

and Titilagarh comprising 14 Community Development Blocks. The revenue administration

is managed through a network of 14 Tahasil Offices spread out in the district. The district

has 16 Police Stations, 4 major towns including Bolangir , one Municipality town and three


N.A.C towns Patnagarh,Titilagarh and Kantabanji . and 285 Gram Panchayats having

1792 villages.

Blocks (14) 1. Bolangir sadar ,2. Gudvella ,3. Deogaon 4. Puintola ,

5. Loisingha, 6. Agalpur, 7. Patnagarh 8. Belpada ,

9. Khaparakhol, 10. Turekela 11. Bangamunda , 12.

Muribahal , 13. Saintala 14. Titilagarh

Municipality (1) 1. Bolangir,

N A C (3) 1. Titilagarh , 2. Patnagarh, 3 . Kantabanji

Tahasils (14) 1. Bolangir , 2.Tusura , 3. Loisingha , 4. Agalpur, 5.

Deogaon , 6. Puintala, 7.Patnagarh, 8.Khaprakhol,

9.Belpara, 10.Titilagarh, 11.Kantabanji,

12.Bangamunda , 13. Muribahal , 14. Saintala

Subdivisions (3) 1. Bolangir , 2. Titilagarh, 3. Patnagarh

Gram Panchayats 285

Villages 1792

Police Stations 16

Fire Stations 5


(3) POPULATION: (AS PER 2001 CENSUS):

The demographic features and occupational distribution of Bolangir district is

furnished below.

Area 6575 Sq. Km. Forest Area 1543.85 Sq. Kms

Population 1335760 Urban 154229

Male 673727 Rural 1182531

Female 663033 Rural population % 80%

Sex ratio (females per

1000 males)

984 BPL

Population(1987)

201310

Urban Population: 151954 Cultivators 173943

Bolangir 85261 SF/MF 117825

Titilagarh 27904 Allied Agl. Act. 4111

Patnagarh 18694 Cottage Industries 23595

Kantabanji 20095 Agl. Labourers. 225873

Rural Population: 1185240 Other workers 137729

% of rural population to

total population

88.64 Net area sown 332000 Hect.

Scheduled Caste 225300 Scheduled Tribe 275822

% to total population 16.92 % to total population 20.63

Density of Population

per Sq. Kms.

203 No of household 303385

Literacy rate 55.70% Household size 4

% to State population 3.64


The population growth rate of Bolangir district during 1991-2001 was only 8.63 per cent

against the State growth rate of 16.2 per cent against that of.. The growth rate of Bolangir

is about half of the State rate of growth. The other 29 districts of the state have recorded a

growth rate more then 10 per cent during this time This evidences the low rate of

population growth as compared to the rest of the State.

(3).A. Public Representatives

Vidhan Sabha seats (5) Bolangir => Sri Ananga Udaya Singh Deo

Kantabanji => Sri Santosh Singh Saluja

Loisingha => Sri Ramakanta Seth

Patnagarh => Sri Kanak Vardhan Singh Deo

Titlagarh => Sri Surendra Singh Bhoi

Lok Sabha Seats(1) 1. Sri. Kalikesh Narayan Singh Deo – BJD

(4) CLIMATE:

The climatic condition of this district is quite extreme. The summer season is too hot

and the rainy season is characterized by fairly good rainfall and a high degree of humidity.

Cold is equally severe during winter. The mercury rises as high as 48 degrees Celsius in

summer and falls to as low as 7 degrees Celsius in winter. Rains in the district are caused

by the South-west monsoon, which breaks out in the month of June, reaches its peak in

August and then retreats in the middle of October. The average rainfall annually comes to

1443.5 mm..

(5) NATURAL RESOURCES:

(A) SOIL:

The soil of Bolangir district presents an interesting combination of varieties. It is alluvial

and very fertile on the Tel and Ong basins and is suitable for growing paddy, Sugarcane,

Wheat and few cash crops. The rest of the eastern side has a soil ranging from light sandy


type to sandy loam. The central part of the district have similar soils but with patches of

Black earth, suitable for raising of paddy, millets and pulses. The soil of the southern and

western tinges is latertic in character and productivity is low. Oil seeds like til, mustard,

groundnut and sunflower are extensively grown in these parts of the district. To facilitate

the farmers in selecting crops, there is a soil testing laboratory at Bolangir.

(B) RIVER:

The Tel, Suktel , Rahul, Udei and Ong are the principal rivers flowing in the district. The

Tel river, a perennial flows along the eastern boundary of the district and confluences with

the Mahanadi at Sonepur. The Suktel, which emanates from the hill ranges of the western

part of the district, trickles through Patnagarh, Bolangir and Loisingha blocks and finally

joins the Tel in Subaranpur district. The Ong river enters the district in Agalpur Block. An

interesting features of the river system of the district is that except for the Tel which flows

along the eastern boundary of the district, the course of all other rivers is either towards

the northern or north-eastern part of the district. The rivers are of enormous economic

importance to the district since they are the major sources of irrigation.

Suktel project:

Lower Suktel irrigation project is expected to resume the excavation in March next year.

The project cost has escalated to Rs 1,100 crore.The project covering an area of 5,216

hectares would submerge 16 villages fully and 10 partially.It would render around 14,380

people of 4,160 families homeless. The revised estimate of the project has been approved

by the Central Government and necessary environmental clearance been issued. While 60

per cent of the total cost will be spent on rehabilitation and land acquisition, the rest will be

used towards construction of the dam. The project will augment the irrigation facility of the

district besides providing most needed drinking water and will fulfill the long cherished

dream of people of Bolangir.


C) FOREST:

Forests occupy about 1543.85 Sq. Kms of the total geographical area of the district. The

major forest products are Timber, Firewood and Kendu leaves. The minor forest products

are bamboo, hill brooms, mahua flowers, sal seeds etc. The forests have great economic

relevance to the district since the tribal families are heavily dependent on these natural

resources to earn their livelihood by collecting and selling minor forest products.

(D) MINERAL RESOURCES OF BOLANGIR DISTRICT:

Manganese, Graphite, Bauxite are the important mineral deposits of the district. Around 6

lakh tones of Manganese deposits are estimated to be in the district. The volume of

Bauxite deposits have been estimated at 5 million tons and it is concentrated in the

Gandhmardan hill ranges. Among all minerals only graphite and manganese have been

commercially exploited so far.

Geology: The topography of the district is from flat to undulating having hill ranges at

North-West boundary and small hillocks at some places. The drainage pattern of the

district is subdentritic to dentritic mainly controlled by river Suktel, Lanth, Ong, Tel and

other small rivulets. The area forms a part of Eastern Ghat Super group of rocks

comprising of Khondalite Granite, Calc Granulite, Anorthside, Quartz vein and Pegmatite.

MINERALS TYPE OF DEPOSIT GRADE

The mineral deposits in Bolangir district with grade and type , mineral exploitation and the

leading mineral based industries are given below:-

Minerals Type of deposit No.of Mines Purpose

of Industry

No.of

Industries

Graphite Disseminated, Banded,

Lensoid, Vein, Pocket. 67

Beneficiation 07

Manganese Bands & Pocket 01

Bauxite Plateau 06

Lime stone Crystalline 01 Cement Plant 01


Quartz & Quartzite Vein 06

Galena Disseminated 01

Semi Precious Stone Alluvial & Insitu 02

Granite

34 Cutting &

Polishing Unit 05

(6) INFRASTRUCTURAL FACILITIES:

(A) POWER:

State Power Grid feeds electricity to the district. In addition to the 4 towns, about 1300

villages of the district have been electrified so far. Thus 77% of the villages of Bolangir

district have been electrified.

(B) COMMUNICATION:

The district has 14 railway stations. The total length of railway track comprises 177 K.Ms

consisting of two routes viz. Vijayanagaram to Raipur and Rourkela to Titilagarh, with

Titilagarh junction, under the East Coast Railways. There are 287 Post Offices including

Sub-office in the district.

Communication Road Length & Railway Route Length (in Kms.)

National

Highway

State

Highway

Major Dist.

Road

Other Dist.

Road

Rural

Road

Railway Route

Length

159 140 126 300 1144 177

C) OTHER INFRASTRUCTURES:

The district has 22 Veterinary dispensaries, 114 Livestock Aid Centres to render

prolifactive and curative measures. The facilities for artificial insemination are available at

210 centres. There is a Sheep breeding farm at Deogaon and a frozen semen bank at

Bolangir. The district Milk Union has 91 Milk societies with 8 Milk routes. There is a

fodder farm which is defunct. The District Milk Producers Co-operative Union is arranging

for collection, marketing of milk and milk products in the district. The average collection of

Milk at present is around 7300 liters per day which is low compared to past records. A


Chilling Plant with 5000 liters capacity has been installed at Bolangir in addition 7 Bulk

Cooling Plants at Kuthurla- 2000 liters, Duduka-2000 liters, Bhaler-1000

liters,Khagsikana-1000 litres and 500 liters each at Salepali, Sargad and Insa. To facillate

easy availability of milk 17 sale centers have been opened in Bolangir town and some

more are under consideration.

(D) EDUCATION:

There are 48 Colleges, 265 Secondary Schools, 359 Middle Schools and 1681

number of Primary Schools in Bolangir district. Besides, a B.Ed. College, Sanskrit College,

One Ayurvedic College, one Law College, One Engineering School & 3 numbers of ITI are

located in Bolangir town.

(E) BANKING:

State Bank of India is having the lead responsibility in Bolangir district. The present

position of different bank branches in the district is as given here under.

Sl.No. Name of Bank Branches Rural Semi-urban

01 State Bank of India(Lead Bank) 17 09 08

02 Allahabad Bank 03 02 01

03 Andhra Bank 04 02 02

04 Bank of Baroda 01 0 01

05 Bank of India 01 0 01

06 Central Bank of India 04 02 02

07 Indian Overseas Bank 02 0 02

08 ICICI Bank 01 0 01

09 Punjab National Bank 01 0 01


10 U.Co.Bank 02 0 02

11 United Bank of India 01 0 01

12 Axis Bank 01 0 01

13 Canara Bank 01 0 01

14 Union Bank of India 01 0 01

15 Syndicate Bank 01 0 01

Total of Commercial Bank 41 15 26

16 Utkal Gramya Bank 42 39 3

17 Bolangir DCCB 14 08 06

18 OSFC(Moribund) 01 0 01

19 CARD Bank 03 0 03

TOTAL 101 62 39

All the 14 Blocks of the district have banking facilities. The average population

serviced by a bank office is 13373 and average population serviced by commercial Banks

and R.R.Bs are 14535.

As per the Thorat Committee, the lead banks to constitute a sub-committee of the District

Consultative Committees (DCCs) to draw up a roadmap by March 2010 to provide banking

services through a banking outlet in every village having a population of over 2,000. Such

banking services need not necessarily be extended through a brick and mortar branch but

through any of the various forms of information and communication technology (ICT)-

based models, including through business correspondents (BCs). Accordingly, 32 villages

have been identified and allotted to the banks as detailed below for opening of the

branches/ providing banking services by BC/BF model.


Sl.No. Name of Bank Villages allotted

01 State Bank of India(Lead Bank) 11+12*=23

02 Allahabad Bank 01

03 Andhra Bank 03

04 Bank of India 02

05 UCO Bank 01

06 Syndicate Bank 02

TOTAL 32

*Utkal Gramya Bank‟s share of 12 villages will be taken by SBI

(E) AGRICULTURE:

The economy of the district is wholly agriculture based. About 89% of the population live

in rural areas, thus it is a classic case of rural economy. All the problems affecting Indian

agriculture resulting in low productivity are totally present in the district. The cultivated area

of the district is 3,45,475 hectares. The total irrigated area from all the sources, is 61465

hectares. Few villages of Agalpur Block receive irrigation water from Hirakud Canal

System. The Ong irrigation project is providing irrigation to Bharsuja, Roth and Duduka

Grampanchayats. The upland constitutes 54.8% of the net cultivated area which can be

gainfully utilized to increase production by adopting suitable crop practices under Dry Land

Farming.Paddy is the major cereal product of the district which occupies 51% of the

cultivated area. Other major crops are sugarcane, pulses, oil seeds, cotton etc. during

Kharif season and crops like chilly, garlic, groundnut during Rabi season.

Supply of fertilizers and pesticides is canalized through Co-operative marketing societies,

Private dealers and Agro Industries corporation who also supply different types of farm


equipment to the farmers. Vegetables crops like tomato, potal, onion, brinjal and some

other seasonal vegetables crops are grown in the district.

(F) INDUSTRIES:

This district is industrially categorized as backward district. There are 3 Industrial Estates

with 38 sheds and about 520 acres of land at Bolangir, Titilagarh and Kantabanji under the

supervision of the General Manager, IDCO, functioning from Sambalpur. There is also an

office of O.S.I.C. at Bolangir looking after raw materials supply in the district. The EPM

testing laboratory is also functioning at Bolangir for finalisation of EPM rates. Besides,

District Industries Centre, is looking after the development of Small Scale Industries and

PMEGP schemes. The District Cottage Industry Officer, in the DIC looks after the

development of Handicrafts and cottage Industries sector in the district. There are three

I.T.Is, one RITE and one private Engineering School at Bolangir for imparting technical

training to youths of the district. The Asst. Director, Handlooms looks after the

development of weavers.

There are 5 nos. of large and medium industries existing in the district namely:

1. SPAA Paper Products (P)Ltd., Chormara.

2. Bijayanand co-operative Sugar Mills Ltd.

3. G.K.W. Ltd. Powmex Steel, Turla.

4. Ordinance Factory, Badmal.

5. Macedon Industries.

In addition to this, a number of SSI units have been set up in this district covering mostly

Agro & Food based, Textile based, Engineering & Metal based, Chemical & Allied, Rubber

& Plastic based, Repairing and Servicing industries, including 42 Automatic Rice Mills.

MISCELLANEOUS RECENT DEVELOPMENTS

According to unofficial sources, around 20,000 people are migrating from Bolangir every

year, after harvesting season, to other states in search of work. More than 60% population

in this district are below poverty line. There had beeen a concerted attempt by the District

Administration to check the migration of labour to neighbouring states and liberal financing


was also extended. However, this had resulted in no long term effect on the people and

unfortunately the migration continues.

Bolangir medical college

One R V S Educational Trust of Coimbatore is going to establish the Bolangir Medical

College as per the Government Notification dated 07-11-2009. The establishment of

Medical College at Bolangir will no doubt fulfill a long demand of people of Bolangir.

<<<>>>


BOLANGIR DISTRICT AS A GLANCE

01 Geographical area 6575 sq. km.

02 Number of Blocks 14

03 Number of Villages 1792

04 Rain fall in mm. (2009) 1645

05 AGRICULTURE(In Hect.)

Net Sown area 122648

Fallow land 23309

Misc. trees & groves 4327

06 IRRIGATION IN HA.

Net Irrigated Area 61465

Irrigated by canals 7264

Irrigated by tanks 16311

Wells 17157

By other sources 20733

07 SIZE OF HOLDINGS No. Area in ha. % of Total

Less than 1 ha. 52254 40451 14

Between 1 ha. & 2 ha. 63915 66259 22

Above 2 ha. 57649 191346 64

08 ANIMAL HUSBANDRY (As on 30.09.2009)

Plough animals 527559

Dairy animals Cow(CB) 41548 Buffaloes: 119841

Cow(Ind) 412841


Sheep/ Goat/ Pig 132308/313402/1839

Poultry birds. 748308

09 DEMOGRAPHYY AS PER 2001 CENSUS

Male 673727

Females 663033

10 CLASSIFICATION OF WORKERS

Cultivators 173943

Small & Marginal farmers 41878, 75947

Agricultural labourers 225873

Artisans 89793

H.H.Cottage Industries 23595

Allied-agro activities 4111

Other workers 137729


CHAPTER-II

REVIEW OF PAST PERFORMANCE:

The performance of the banks in deployment of Bank credit in Bolangir district under the

Annual Action plans during the last three year is furnished below. The achievement for the

year 2009-2010 is for nine months from 1.03.2009 to 31.12.2009.

(Rs in lacs)

YEAR TARGET ACHIEVEMENT % of acievement

2006-07 11653 11216 96

2007-08 12744 12962 102

2008-09 14718 13064` 89

2009-10 * 21562 16262 * 75*

* Achievement up to 31.12.2009.

It can be observed from the above table that the overall achievement by lending

institutions has been satisfactory. However, the performance is not uniform across the

sectors. The sector-wise performance is discussed in the following paragraphs. It will help

in identifying shortcomings and aid in formulation of future strategies for removing the

bottlenecks for smooth implementation of the schemes and programmes envisaged in the

Plan.

SECTOR-WISE REVIEW:

CROP LOAN (Rs. in lacs)

INSTITUTION 2007-08 2008-09 2009-10 *

Tar. Ach. % Tar. Ach. % Tar. Ach. %

Commercial Bank 1150 977 85 1211 1310 108 1676 1547 92

U.G.B. 1080 1529 142 1361 1334 98 1819 2225 122

DCCB 3644 4290 118 4027 3092 77 5083 4540 89

TOTAL: 5874 6796 116 6599 5736 87 8578 8312 97



The achievement of the financing institutions, as can be inferred from the above table, is

somewhat satisfactiory during the last 3 years. The Commercial Banks are progressively

increasing their involvement in the sector. The Central Co-operative Bank, though not

being able to achieve its target last year, show their good performance in current year

having achieved 89% till December 2009. With the policy initiative of financing through

Kisan Credit Cards in a big way that the Banks have adopted, it is hoped that the target

will be achieved.

02. AGRICULTURAL TERM LOANS: (Rs. in lacs)

INSTITUTIONS 2007-08 2008-09 2009-10 *


Commercial Bank 585 853 146 706 1197 160 1289 560 43

U.G.B. 666 601 90 841 801 95 1222 349 29

DCCB 133 18 14 237 29 12 275 203 74

TOTAL: 1184 1472 106 1784 2027 114 2786 1112 40


The achievement in this sector during the year 2007-2008, was 106%, during 2008-

09 was 114% and during 2009-10 for the nine months till December 2009, it was 40%. So

it seems that the performance of the current year is extremely poor. It is expected that the

target will be achieved as on March end.

03. ALLIED AGRICULTURAL ACTIVITIES:

INSTITUTIONS 2007-08 2008-09 2009-10 *


Commercial Bank 619 540 87 704 859 122 1258 326 26

U.G.B. 348 243 70 370 269 73 763 254 33

DCCB 103 71 69 130 35 27 223 30 13

TOTAL: 1070 854 80 1204 1163 97 2244 610 27



The sector has also seen a declining trend of finance extended over the years. The

achievement was 97% in 2008-09, It declined to a meagre 27% in the current year till

December 2009. The performance of all Banks is poor. It is expected that the target will be

achieved as many proposals under SGSY will be disbursed during March quarter.

The major bottleneck for the sector is non-availability of quality cows, which form

the major part of the asset planned to be provided in this sector. The other causes of set

back could be poor infrastructure, like non-availability of chilling plants, storage and

warehousing facility, poor recovery in the poultry, dairy, fishery etc. schemes; late

sponsoring of applications under the SGSY.

04. NON-FARM SECTOR(Rural artisan, village industry & SSI):

INSTITUTIONS 2007-08 2008-09 2009-10 *

Tar. Ach. % Tar. Ach. % Tar Ach. %

Commercial Bank 789 673 85 851 602 71 1234 608 49

U.G.B. 212 29 14 222 129 58 290 50 17

DCCB 15 06 40 09 0 0 04 02 50

TOTAL: 1016 708 70 1082 731 68 1528 660 43


From the above data, it is clear that there is no encouraging trend in financing to

this sector. Although, the district as a whole had seen achievement of the target to the

tune of 70% during 2007-08, during 2008-09 it was 68% and during 2009-10, for the first

nine months, it was a meagre 43%. The reason for the poor performance could be the

absence of big proposals in the activity, lack of infrastructure including entrepreneurial

ability and mounting over dues. The low achievement could be also due to the Banks‟

insistence on Collateral Securities in preference to the guarantee cover provided by

CGTSME.

As the sector has the maximum employment generating capacity and takes the

pressure off land and drive away people from land by reducing under-employment, it is


hoped that all the financing agencies and the DIC, which is the coordinating agency, will

exert themselves to the utmost to see that the investment in this sector improves

appreciably and the target for the year is achieved.

05. OTHER PRIORITY SECTOR:

INSTITUTIONS 2007-08 2008-09 2009-10 *

Tar.. Ach. % Tar, Ach. % Tar. Ach. %

Commercial Bank 2349 2694 115 2954 3019 102 3928 2540 65

U.G.B. 982 420 43 1027 364 35 939 343 37

DCCB 69 18 26 68 24 35 55 183 333

TOTAL 3400 3132 92 4049 3407 84 4922 3066 62


The achievement in this sector, which is usually the favorite of the financing

institutions all over the State, has not shown any sterling performance in the past few

years. It was 92% during 2007-08, 84% during 2008-09 and 62% during the first nine

months of this year. This year, it is hoped there will be no problem in achieving the targets.

<<<>>>


CHAPTER-III

DEVELOPMENT PROGRAMME IN THE DISTRICT: SOCIO ECONOMIC BACKDROP.

A Plan is not implemented in vacuum. It has to take the environment and the various

linkages into account. The enabling factors have to be leveraged and the obstacles have

to be overcome in the course of implementation of the plan.

1. INDUSTRIES:

(A) MSME:

The potential for Industrial Development depends on the factors like availability of

raw materials, infrastructure, entrepreneurship, skill, market demand, Govt. policies etc. To

boost up industries in an industrially backward district like Bolangir, Govt. has made

availability of a DIC, OSIC, IDCO, DSMS (at DRDA Office), Cottage Industries Office etc.,

Provided 3 Industrial Estates with 38 sheds situated at Bolangir, Titilagarh and Kantabanji

under IDCO. For training and technical education there are two Govt. ITIs apart from a

private ITI and an Engineering School. There is one full fledged testing laboratory for

testing SSI products under the Director Export Promotion and Marketing, Orissa. Bolangir

is well connected with road and rail.

Due to various constraints out of 2367 SSI units 931 units have been closed. From

the existing units mostly they are engaged in manufacture of chemicals etc., electrical and

electronics, engineering and metal based, forest and wood based, glass and ceramic, Live

stock and lather, paper & paper products, rubber and plastic, textiles based

(Handloom),Processing of granite, servicing and repairing. Due to availability of granite,

there is good scope to explore mining and processing of granite.

For establishment of SSI, commercial Banks including RRB are providing both

working & Block capital. There is several relief measure like interest subsidy etc. as per

Industrial policy resolution of the Govt. of Orissa in 2008.


(B) COTTAGE INDUSTRIES:

In handicrafts & cottage industries loan up to Rs.10.00 lakhs subject to Margin

money subsidy of 25 – 30% will be available under this sector for the units established in

rural areas within 20,000 populations. There is also scope and demand with skilled

artisans available under Textiles, Carpet, Metal crafts, Terracotta, Brick manufacturing,

Leaf cup plates, Black smithy, Cane & Bamboo products for meaningful investments.

There are clusters of handloom weavers in Bolangir and Patnagarh Sub-division.

2. AGRICULTURE:

The economy of the district is agriculture based and the net sown area of the district

is 122648 hectares. The irrigation potential during Kharif-2009 was 61465 hectares and for

Rabi 2009-10, it was 29,573 hectares. Paddy is the major crop of the district. Other major

crops are cotton, sugarcane, mung, biri, arhar and oil seeds like groundnut, til, sunflower

and castor. Besides, vegetables, like brinjal, tomato, potal, onion are grown in the district.,

Minor Irrigation and drip irrigation and Dry land farming programme should be taken

up as thrust area to increase the area under cultivation and increase production and

productivity. Conservation of area under traditional crop to cash crop is to be given

emphasis by the Agriculture Department. These areas are to be taken up by the credit

delivery agencies on a priority basis in an involved manner.

A) FARM MECHANISATION:

Farm mechanization is the most important ancillary support in agriculture which

helps in increasing production, reduce cost of production and ensure better utilization of

irrigation potential and helps in adoption of multi cropping pattern. Banks should finance

for Power tiller, Paddy Reaper, Paddy Transplanter, Tractor etc. These are available

through Agriculture department under subsidized scheme. To encourage the farmers to go

in for mechanization in a big way, subsidy is also made available to farmers.

B) DRY LAND FARMING:

As up lands constitute 59% of the net cultivated area, and prevailing drought

conditions coupled with lack of irrigation facilities, Dry Land Farming is a necessity for the

district. The scheme was implemented in the district during 1994-1995. Though we have

not achieved 100% success under planned cropping pattern, but the farmers have realized


the advantages of changed crop practices and made better income by adopting crop

rotation, with the second crop being groundnut or Arhar, biri/mung, Cotton+cowpea system

are adopted by the farmers in the district. Emphasis is given on development of Farm

ponds in the Agriculture policy, so as to harvest rain water and provide irrigation to the

crops resulting in better income.

C) FORESTRY & WASTE LAND FARMING:

Due to the scarcity of bamboo, the major raw material used for paper

manufacturing, soft woods like eucalyptus play a vital role for paper industries as a

replacement of bamboo. The waste lands can be properly utilized through farm forestry

adoption by paper industries, which will be of immense benefit to the general populace.

The scheme of farm forestry is to be taken up in a big way in close coordination with

paper industry ensuring availability of technical know how and buy back guarantee.

Plantation of medicinal plants is to be encouraged under waste land farming.

To promote Farm Forestry and Waste land Development through Institutional

Finance, Govt. of India has introduced programmes, like National Mission on Bamboo

Technology and Jatropha (Bio-diesel) cultivation. Importance is, also being given for

development of medicinal and aromatic plants with provision of subsidy as the incentive.

NABARD has identified this as a thrust area.

D) PLANTATION & HORTICULTURE:

Plantation crops are highly location specific depending largely on agro climatic

features peculiar to each crop. Agro climatic condition of this district offers scope for

horticulture crop such as mango, citrus, banana, guava etc. Vegetable crops like potato

etc. can be grown. Onion Storage godowns are being constructed to provide storage

facility of onions for benefits of the farmers. Similarly Jatropha, Karanja etc. trees borne

oilseeds can be cultivated in the degraded/waste land. Provision of incentive by subsidy

has been made for promoting the commercial cultivation of the above trees. Govt. of India

has assigned National Oilseed & Vegetable Oil Development (NOVOD) under the Ministry

of Agriculture for implementation of the schemes with Bank credit. The district has been

identified under the National Horticulture Mission.


3. ANIMAL HUSBANDRY:

A) DAIRY DEVELOPMENT:

There is a live stock breeding farm at Bolangir with unit of breeding frozen semen

banks. There is a fodder farm also. Besides, traditional cattle feeds, improved varieties

cattle feeds are also available in open market. There is a District Milk Union who imparts

training to dairy farmers. Presently in the district there are 91 Milk societies with 8 milk

routes. The Chilling Plant at Bolangir has a capacity of 5000 litres but it was under utilized

due to lack of milk and is defunct now. There are 8 numbers of bulk coolers installed at

different Blocks with an aggregate capacity of 8000 litres which aid in collection of milk

from rural areas. The concerned Line Department is to act in an involved manner to

increase population of milch animals.

Dairy is identified as a key activity in the district and good number of SHG are

financed under this scheme. Considering the demand of milk and its products and assured

market, banks can go in a big way for financing dairy units.

B) POULTRY DEVELOPMENT:

Bolangir offers a good scope for poultry development to cater its local demand and

provide substantial level of occupation to rural populations. Agro climatic condition of the

district is suitable for poultry farming. The poultry population of this district is 7,48,308 as

on 30.09.2009. There is no problem for marketing of eggs, broilers, culled birds etc.

Veterinary Department provides extensive services. There are 8 –10 private poultry units

which are running profitably. Bank may go in a big way for poultry financing for both Layer

and Broiler units.

C) SHEEP, GOAT & PIGGERY:

The district is endowed with vegetation and climate ideal for Sheep, Goat and Pig

rearing. This sector had not received expected encouragement from Government because

of apprehension of damage to forest. Sufficient grazing land in pastures, post harvest field,

river embankments and forest areas are available in the district. Goats are called poor

man‟s cow for multiple advantages like winning disease resistance, high feed conversion

efficiency and remunerative sale price. Considering the popularity of the scheme, the

District SGSY Committee has taken Goat rearing as a key activity.


4. PISCICULTURE:

About 80% population of the district are non-vegetarian and hence, there is good

demand for fish. There is good potential for development of culture fisheries and capture

fisheries. As per data available from FFDA there is 10832 Hectares water area. In view of

good profitability, farmers are to be encouraged to adopt pisciculture.

The FFDA is monitoring and supervising the development of Pisciculture in the

district. The farmers are given training in Resource Management, Skill up-gradation,

adoption of modern technique and marketing. Apart from this, Fish seeds and Fingerlings

are purchased at Bolangir; Loisingha, Patnagarh, Titilagarh, Harishankar and

Dhamandanga. There is a Fish seed Hatchery at Sonepur at a distance of 48 K.Ms from

Bolangir town.

5. CROP LOAN:

Banks finance Crop loans to enable the borrowers to meet the cultivation expenses

by KCC.

(I) IRRIGATION: RIVER BED UTILIZATION:

The land at higher level that are lying uncultivated on both the Banks of

rivers Tel, Suktel, Ong, Lanth, Rahul which may be properly utilized by providing proper lift

irrigation facility thus making them cultivable both in Kharif and Rabi seasons.

A) PADDY:

Agriculture is the major activity in our economy. About 80% of the population

depends on this sector and paddy is the main crop of the district. The farmers of this

district are well acquainted with growing HYV paddy. Since 1992-93 special rice

production programme is being implemented in all the blocks. Moreover, this district has

been considered as “A” category district by the Government of India. Demonstration and

technical know how are being imparted by Agriculture Extension Officers. There are 47

rice mills in the district

B) SUGARCANE:

Sugarcane, a commercial crop is grown in irrigated areas. Bijayanand Co-operative

Sugar Mill Ltd., Deogaon is the only consumer. Credit for sugar cultivation should be


extended under tie-up arrangement. There is a mixed trend for the crop since 2003-2004

and needs more emphasis in the Credit plan.

C) OIL SEEDS:

To meet the edible oil crisis, production of oil seeds have been stepped up rapidly.

Changing the cropping practice from Kharif to Rabi the farmers got good results. The

Agriculture and Horticulture Departments are organizing training camps for farmers to

persuade them to diversify from traditional crops to remunerative cash crops. The training

covers use of certified seeds, appropriate fertilizer management, bacteria culture and use

of micro nutrient to increase the productivity of the crop. More stress can be given for

hybrid sun flower cultivation.

D) COTTON:

Cotton is considered to be a good cash crops in the district. Its area under

cultivation is rapidly increasing. It is also covered under Rastriya Krishi Bima Yojana from

2001-2002 as a hedging mechanism against crop failure. Hence adequate credit provision

is made in the ACP for development of this crop. Being a sophisticated crop, it requires

high investment. Due to its high return and strong demand, farmers are attracted more

towards this crop-justifying the sobriquet, “WHITE GOLD” . Adopting hybrid seeds and

improved technology, yield will be much better. Further, a Research Unit has started

functioning at Bolangir to study the adaptation of and for dissemination of technical know

how in the district. Moreover, mandis have been opened at Kantabanji & Jogimunda for

marketing the product in the district. There are 3 ginning mill at Kantabanji, Titilagarh and

Bolangir in the private sector, which are purchasing cotton from the farmers. There is an

increasing trend in the coverage of area under cotton. Bankers should take advantage of

the trend for increasing their investment in the district, by extending finance to Cotton

farmers.

6. OTHER PRIORITY SECTOR ACTIVITIES:

A) TRANSPORT OPERATORS:

Bolangir district covers a geographical area of 6575 Sq. Kms. Transportation covers

roads and railways. Railway cover only 177 Kms. Hence, the major portion of

transportation is carried on roads, which account for 159 Km. of State Highways, 140 Km


of State Highways, 126 Km. of major district roads and 300 Km. of other district roads.

Forest products, raw materials, agriculture products and minerals are abundantly available

in this district. In view of adequate demand, private Banks/Financial agencies are to

finance buses, trucks etc.

B) PROFESSIONAL & SELF EMPLOYED PERSONS:

Professionals like Doctors, Lawyers, Consultants etc. may be financed as per their

credit requirement.

C) EDUCATION LOAN:

Education loan may be considered for needy and meritorious student for pursuing

higher technical and professional studies. Waiver of collateral Security on loans up to Rs.4

lakh, needy and meritorious students can be financed.

D) RURAL HOUSING:

88.64% of people live in the rural areas in the district. As shelter is one of dire

necessities of life, rural housing scheme may be taken in hand to improve the standard of

living of the rural people. Under DRI schemes, the finance for construction/renovation of

house can be made.

E) PERSONAL LOAN:

Personal loans may be extended to salaried employees.

8. FINANCING UNDER MICRO CREDIT:

A. SELF HELP GROUPS(SHG):

Self Help Groups are informal groups which come into existence either on

their own or through the efforts of an SHPI. It‟s main purpose is to extend help to its

members through thrift and savings. The SHGs are considered to be the most effective

and supplementary credit delivery method for linking the poorest of the poor with the

Banks. Its members are generally denied access to the formal credit deliver system due to

several reasons. SHG are promoted mainly by ICDS, NGO, Officials of Block and DRDA

and Banks. By extending financial support to SHGs the financing banks stand to obtain the

following advantages.

(i) 100% refinance support is available from NABARD at a liberal rate of 7.5%.

(ii) Better financial margin is available to the Banks.


(iii) Transaction cost of the Bank is kept at minimum.

(iv) Documentation, appraisal procedure etc. is very simple.

(v) Recovery is assured at about 100% as peer pressure works in group activities.

(vi) The banks could be able to reach the most vulnerable section of rural poor through

SHGs and bring them under banking umbrella.

B. MISSION SHAKTI:

In the International Day for Women in 2001, 8th March 2001, Government of Orissa

has launched a special programme called “Mission Shakti” under which 1,00,000 women

SHGs is to be formed in the State during 2001-2002 to 2004-2005. The Mission‟s

approach is to strengthen the socio-economic status of Women in the state through

creation of economic assets. Each revenue village is to have a SHG with credit linkage. A

programme known as “Swanyam Sidha” supported by Government of India has been

launched in the State for implementation in 36 Blocks of KBK including Boudh district. The

Scheme aim at capacity building of women SHG through training for income generating

activities and it is implemented through ICDS.

9. 100% RURAL FINANCIAL INCLUSION:

A. KISAN CREDIT CARD:

All eligible agricultural farmers are to be covered by Kissan Credit Card.

B. GENERAL CREDIT CARD(GCC):

In rural areas there is no point of sale (POS) and limited scope of ATMs. To

facilitate the people of rural and semi-urban areas Government of India and R.B.I. are

keen to popularize the General Credit Card akin to Kissan Credit Card. Under this scheme

rural and Semi-urban individuals can be issued with General Credit Card within limit of

Rs.25,000/-. For this there should not be insistence on security, purpose or end-use of the

amount. The General Credit Card issued will be treated as indirect Agriculture loan and to

be included under Priority Sector advance. Banks should take the opportunity to increase

their investment under Agriculture Sector by covering more numbers of G.C.C.


10. ATMA NIJUKTI YOJANA:

This is an excellent progamme to bring together the Banks and their potential

customers by involving the Government machinery to make them appreciate each others

requirement and meet them. Although, the programme is launched every year with lot o

enthusiasm, it has not achieved its desired result and needs a thorough revamp.

11. AGRICULTURAL MARKETING INFRASTRUCTURE,

GRADING & STANDARDISATION SCHEME:

This is a Central Government scheme to stimulate marketing of agricultural product.

It is encouraged through subsidy, which is at 25% of capital cost, subject to a maximum of

rupees 50 lacs.

12. SCHEMATIC LOANS:

A) S.G.S.Y.(SWARNA JAYANTI GRAM SWAROZGAR YOJANA):

The programme was contemplated as the main poverty alleviation programme with

assimilation of all others in it and launched in April‟1999. The objective of the programme

is to bring every assisted family above poverty line in 3 years. Towards this end, SGSY is

implemented as a holistic programme of micro entrepreneurs covering all aspects of self

employment i.e. organization of rural poor in SHG, capacity building, planning of activity

cluster, infrastructure building, credit availability, technology up gradation and marketing.

The efforts under SGSY is to cover 30% of the poor in each block in the next five

years. Efforts should be made to involve women group in the SHG for sponsoring under

SGSY. It is a credit-cum-subsidy programme. The subsidy under SGSY will be uniform at

30% of the project cost, subject to maximum Rs.7500/-. In respect of SC/ST this is 50% of

the project cost, maximum Rs.10,000/-. In group, the subsidy would be 50% of the project

cost or per capita subsidy Rs.10,000/- or Rs.1,25,000/- which ever is minimum. Thee is no

monetary ceiling for irrigation project. The subsidy is back ended.

The key activities prepared at Block level are approved at District SGSY committee

and is available at Block office and DRDA Office. Minor Irrigation, Food processing,

Sheep/Goat Rearing, Dairy, Weaving, Brick making are some of the approved key

activities.


B) PMEGP: (PRIME MINISTER’S EMPLOYMENT GUARANTEE PROGRAMME):

Prime Minister‟s Employment Guarantee Programme is being implemented from

2008-2009 to provide self employment to the educated unemployed youth for setting up

micro enterprises. District Industries Centre (DIC), on its own as well as KVIB as well as

KVIC are the nodal agencies for implementing the scheme in the district. KVIC is, also,

directly implementing the scheme through the Banks.

ITEM PROVISION

QUANTUM OF ASSISTNCE Rs.25 lakhs <VIII Pass 10 lakhs

SUBSIDY CATEGORY URBAN RURAL

GENERAL 20 30

WEAKER 25 35

ELIGIBLE ACTIVITY All except retail trade & farming

TRAINING Pre-disbursement training by DIC.

C) SCHEDULED CASTE, SCHEDULED TRIBE(OSFDC) :

Out of the total population of 13.37 lac (2001 Census)of Orissa, the SC/ST

constitute 5.02 lacs. The target are fixed by the government under various programme for

SC/ST population. The finance to SCs/STs under OSFDC are made for bankable income

generating activities. The operational guidelines of SGSY applies mutatis mutandis.

D) MODIFIED AREA DEVELOPMENT APPROACH(MADA):

Contiguous area with a ratio of tribal population at 50% or more is identified as a

MADA pocket. In Bolangir district, 5 MADA pockets are functioning in 7 Blocks namely

Khaprakhol, Tureikela, Gudvella, Muribahal, Patnagarh, Deogaon and Saintala. Some

schemes linked with subsidy are operated in these area for exclusive development of

tribal people.

E) SJSRY (SWARNA JAYANTI SAHARI ROJGAR YOJANA):

Govt. of India through Ministry of Urban Affairs and Employment have launched a

nationalized poverty alleviation programme namely SJSRY which replaces the earlier 2

schemes i.e. PMIUPE and Urban Micro Enterprises under Nehru Rojgar Yojana.


The individual urban poor beneficiaries and group of Urban poor women are identified for

setting up gainful Self employment venture. The Urban Local Bodies sponsor their names

for Bank finance under various gainful schemes. The schemes are linked with subsidy and

are monitored by the Urban Local Bodies. The financing is to be extended to Urban BPL

families only.

F) SCHEME FOR SCAVANGERS (SLRS):

The Government of India has launched the scheme for Liberation and

Rehabilitation of Scavengers to rehabilitate erstwhile manual scavengers and their

dependents from their existing hereditary and obnoxious occupation of removing night soil

and filth and provide them with alternative dignified occupation. The objective was to cover

all scavengers in Urban, semi-urban and rural areas belonging to S.C. community and

their close relatives. All the identified Scavengers of Bolangir had been financed. The

scheme is now closed.

G) CREDIT FACILITIES TO MINORITY COMMUNITIES

Prime Minister's 15 Point Programme for the Welfare of Minorities

RBI has advised all commercial banks, both in public and private sector to ensure smooth

flow of bank credit to minority communities. Government of India have recently revised the

"Prime Minister's New 15-Point Programme for the Welfare of Minorities".An important

objective of the aforesaid Programme is to ensure that an appropriate percentage of the

priority sector lending is targeted for the minority communities and that the benefits of

various Government sponsored schemes reach the under-privileged, which includes the

disadvantaged sections of the minority communities. The New Programme would be

implemented by the Central Ministries / Departments concerned through State

Governments/Union Territories and envisages location of certain proportion of

development projects in minority concentrated districts. Accordingly, all scheduled

commercial banks have been advised to ensure that within the overall target for priority

sector lending and the sub-target of 10% for the weaker sections, sufficient care is taken to

ensure that minority communities also receive an equitable portion of the credit.

<<<>>>


CHAPTER-IV

ARRANGEMENT FOR SUPPORTING FACILITIES/ SERVICES &

AGENCIES/DEPARTMENTS RESPONSIBLE THERE FOR.

1. AGRICULTURE:

A) CROP PRODUCTION:

Paddy is the main crop of the district. The farmers of the district are well acquainted

with growing HYV paddy. Besides, Wheat, pulses like Arhar, Mung, Biri, Field pea, Oil

seeds, like Groundnut, Mustard, Til, Sunflower, Castor are grown in all the Block area.

Cash crops like Sugarcane, cotton are also grown in certain pockets of the district.

Sugarcane is also taken as a long duration crop in almost all area of the district. Vegetable

crops like Tomato, Potal, Brinjals and some more seasonal vegetable crops are grown in

the district.

The fertilizer consumption in the district is increasing from year to year. The

consumption of fertilizer in 2009-2010 Khariff was 18170. The supply of fertilizers and

pesticides are being done by Orissa Agro Industries corporation, State Marketing

Federation, RCMS, PACs and private dealers.

Agriculture Insurance Company of India (AICI) has been set up with capital

participation from G.I.C. and the National Bank. This covers all farmers and some selected

crops to mitigate risk of crop failure. This company is an implementing agency for the

Govt.‟s National Agriculture Insurance Scheme.

B. HORTICULTURE:

The Agro climatic conditions prevailing in the district is a rich potential for growing

various tropical fruits like mango, citrus, banana, guava etc. The district is also suitable for

floriculture and cultivation of potato, potal, cabbage, cauliflower, peas & beans etc.. At

present 841 hectares are covered under different fruit crops like mango, guava, citrus etc.

There is also scope of growing mushroom cultivation, pointed gourd and potal like

vegetables. flowers are imported from West Bengal. Therefore, it is high time to develop

floriculture identifying interested farmers.


Onion being a popular cash crop and a key activity in SGSY scheme is under taken

by many farmers. The District SGSY Committee has approved for construction of Onion

godown in 6 Blocks for Storage of Onion of SGSY beneficiaries. The Department of

Horticulture should strengthen the monitoring arrangement, involve the local NGOs,

establish private Agro-clinic and set up processing and value addition centers for the

popularity and benefit of the scheme.

2. ACTIVITIES ALLIED TO AGRICULTURE:

A. DAIRY:

In view of the need for increase to induct dairy animals, the C.D.V.O., Bolangir is

to take up responsibility for supply of cross breed cows in the district to SGSY

beneficiaries.

B. POULTRY:

The district depends on Andhra Pradesh for eggs and Chicken. The District Poultry

Farm, Bolangir maintaining a layer unit of 1000 layers capacity. To meet the local demand

of eggs and broiler, there are 8- 10 private units of poultry farm developed in the vicinity of

the Bolangir town. In addition private poultry farms have been established at Titilagarh and

Patnagarh. For the benefit of the poultry owners and public, Egg price in local news papers

is declared by NEC in daily basis. Now there is a good trend among entrepreneurs for

taking up poultry as their business and then reduced the districts dependency in the

neighbour State.

C. FISHERIES:

About 80% of the people in the district are Non-vegetarian and therefore there is

good demand of fish. Fish seeds and fingerlings are produced in the Fish Seed production

Farm situated at Bolangir, Loisingha, Patnagarh, Titilagarh, Harishankar and

Dhandamunda. There are 5417 G.P. tanks with water area of 4706 hectares. As

pisciculture is identified as a key activity in the district under SGSY scheme, the District

Administration is to advise concerned authorities to grant long term lease i.e. up to 5 years

to SHG groups and Bankers are to come forward for financing the SHGs.


3. RURAL ARTISANS/COTTAGE & SMALL SCALE INDUSTRIES:

District Industries Centre and Industries Promotion Officers (at Block level) are to

facilitate better monitoring and co-ordination in the district for development of MSME.

Handicrafts like manufacture of brass and bell metal utensils, Dhokra casting, Metal

Jewellary, Cane and bamboo, Weavers, terracotta, carpet weavers etc. have been

provided with financial assistance by the Government. In addition Rehabilitation of

Handicraft Artisans scheme having subsidy provision of 25% (Maximum Rs.5,000/-) is in

operation in the district. Under the Central Government assistance clusters have been

identified on terra cotta, and carpet weaving and in Bolangir and Titilagarh where SHG are

formed and training is imparted with Bank linkage.

4. KRISHI SAHAYAK KENDRA:

The function of the Kendra is to a) counsel the entrepreneurs on agriculture

projects, b) help them for supply of project reports of APICOL/ other source, c) help to fill

up the application and guide/ help in preparation of project report on the NABARD norms

up to Rs.25 lakh (d) sponsor proposal to the Financing Banks, e) conduct training

programme where needed.

5. D.R.D.A.:

The Swarna Jayanti Gram Swarojgar Yojana (SGSY) and other anti-poverty

programmes of the government are implemented through DRDA, Bolangir. The collector is

the C.E.O. of DRDA. The Agency is in charge of planning, implementation, monitoring and

evaluation of the SGSY programme in the district. Its main functions includes.

(i) To keep the district and block level agencies informed of the basic

parameters, the requirements of the programme and the tasks to be

performed by all the agencies.

(ii) To co-ordinate and oversee the surveys, preparation of perspective plans

and A.C.P. of the Blocks and finally prepare a District Plan.

(iii) To review, evaluate and monitor the programme to ensure its effectiveness.

(iv) To ensure inter-sectoral inter-departmental co-ordination and co-operation.

(v) To give publicity to the achievements made under the programme and

disseminate knowledge and build up awareness about the programme.


6. ORISSA SCHEDULED CASTE & SCHEDULED TRIBE DEVELOPMENT

FINANCE CO-OPERATIVE CORPORATION LTD.(OSFDC):

The Corporation was formed in the year 1979-80 and registered in the same year

under Orissa Co-operative Societies Act. 1962. The aim and objectives of the Corporation

was to extend financial assistance to SC/ST people of the State who are below the poverty

line and not identified under SGSY. The area of operation of this programme is extended

to urban area also.

7. Farmers’ Clubs

The Farmers‟ Club are sponsored and assisted by NABARD to do the extension work in

the villages .

1. Farmers‟ clubs spread the message “ Development through Credit” among the

farmers in the villages.

2. These play an important role in creating awareness among the farmers about

availabilty of the latest technology in the fields of agriculture by conducting various

meetings and seminars by inviting the experts of extension deptts and bankers.

3. The clubs disseminate information about various subsidy schemes of the Govt of

India/ Orissa so that the farmers can take the benefit of the schemes.

4. These clubs help in identification of good and progressive farmers and coordinate

with the banks in availing loans in time and as per the requirement .

5. The clubs also play an active role in creating awareness about pollution free

environment in participating plantation programme of the Govt. and also join in other

socio economic developmental programmes.

6. At present there are 78 Farmers‟ clubs functioning in the district and it has been

proposed to form another 85 clubs during the year 2010-11.

<<<>>>


CHAPTER-V

LEAD BANK SCHEME

The National Credit Council (NCC ) , set up in Dec.‟67 to determine the priorities of bank

credit among various sectors of the economy, appointed a study group on the

organizational framework for the implementation of social objectives in Oct.‟68 under the

Chairmanship of Prof. D R Gadgil. The study group found that the Commercial Banks‟

share in 5000 villages as of June‟67 was negligible at 1% , out of the institutional credit to

agriculture at 39%, the balance being met by the co-operatives. Besides, the credit needs

of Agriculture, SSI and allied activites also remained neglected. Therefore, the group

recommended the adoption of an area approach for bridging the spatial and structural

credit gaps, for the development of credit and banking in the country on the basis of local

conditions. The group suggested earmarking of the districts to Commercial Banks so that

they could act as pace setters in the districts allotted in providing integrated banking

facilities. The F.K.F. Nariman Committee also endorsed this area approach. RBI accepted

the recommendation and formulated the Lead Bank Scheme (LBS) in Dec.‟69. Under the

Scheme, each district had been assigned to different banks (public and private) to act as a

consortium leader to coordinate the efforts of banks in the district particularly in matters

like branch expansion and credit planning. The LBS did not envisage a monopoly of

banking business to Lead Bank in the District. The Lead Bank was to act as a

consortium leader for co-ordinating the efforts of all credit institutions in each of the

allotted districts for expansion of branch banking facilites and for meeting the credit

needs of the rural economy. All the districts in the country excepting the metropolitan

cities of Mumbai, Kolkata, Chennai were allotted among public sector banks and a few

private sector banks. The Lead Banks conducted surveys during 1969 – 70 in their

districts to identify the potential for branch expansion. This had resulted in massive branch

expansion in the un-banked and under-banked areas.


MACHINERY FOR CREDIT PLANNING

District Consultative Committee

The next important development was the constitution of DCCs in all the districts, in the

early seventies to facilitate co-ordination of activities of all the Banks and the financial

institutions on the one hand and Government departments on the other.

The convenor of the DCC is an officer of the lead bank of the district. Membership of the

committee is open to all the credit institutions operating in the district and officials of the

development departments and developrnent agencies of the district. The District Collector,

in his capacity as the head of district development administration,is the Chairman of DCC.

His presence and participation ensures the needed importance and status to the

committee and help in co-ordination. Sometimes, non-officials are invited to attend the

meetings of the DCC when their knowledge and expertise are considered necessary.The

DCC meetings are convened generally once in a quarter to review the progress of plan

implementation, to identify the difficulties faced in this regard and to consider ways of

overcoming them. The minutes of the meetings should be drawn up properly, indicating

the action points and those responsible for complying with the resolutions/ decisions.

Village Adoption Scheme (VAS)

Concomitant to LBS, the other form of area approach in operation was VAS,under which

banks adopted some villages in their command area for intensive lending.The area

approach was not so much aimed at development of a chosen area as for avoiding the

pitfalls of scattered and unsupervised lending.

Emergence of service area approach

Scattered lending over wide area diluted the quality of lending. The most important

suggestion was the endorsement of the new approach to rural lending viz.,Service Area

Approach, whereby each rural and semi-urban branch of a Commercial Bank (including

RRB) would be assigned a designated area in which it could make planned efforts towards

area development in co-ordination with all the extension and development agencies of the

State Government. Large scale expansion of branches in rural and semi-urban areas

facilitated the shift. The suggestion was formalized when the Union Finance Minister

announced in his budget speech on 29th Feb.‟88 about the new scheme. The operational


aspects of implementing this approach were examined in depth by a Committee appointed

for the purpose under the Chairmanship of Dr. P.D Ojha, Deputy Governor of RBI.

District Credit Plan (DCP)

The most important phase of the LBS was formulation of DCPs and their implementation.

Certain sectors which were hitherto neglected were given a priority status and banks were

asked to provide credit to these sectors in a more concerted way. Priority sector includes

agriculture, small scale industries (SSI), small road and water transport operators, retail

trade and small business, education, self-employed persons, etc. Within the priority sector,

sub-targets are prescribed for agriculture and allied activities and weaker sections. The

credit planning exercise under the LBS primarily aims at overall development of a district

through the coordinated efforts of banks acting in unison with the developmental organs of

the State Government at the district level. The first set of DCPs was prepared and

launched in 1978.

A credit plan presupposes the existence of a development plan so that the former can

subserve the objectives of the latter. An Annual Action Plan (AAP)/ (Annual Credit

Plan) is also to be prepared as a separate document. It would make the two sides to this

exercise, the credit institutions and the government departments, fully conscious of their

respective roles and responsibilities in the formulation as well as the implementation of the

credit plan.

As regards the objectives, the guidelines are as follows :

"The DCPs will have the same objectives as those of the National Plan. It is, therefore,

important to emphasise the principal objectives of the National Plan, namely

(1) removal of unemployment and under-employment,

(2) appreciable rise in the standard of living of the poorest section of the population and

(3) provision of some of the basic needs of the people belonging to the poorer sections.

From these objectives, the main objectives for bank loans follow:

(1) loans for labour intensive schemes which generate employment,

(2) loans to increase productivity of land and other allied sectors so as to reduce

underemployment and increase income levels and


(3) loans to the weaker sections of the population (marginal and small farmers, agricultural

labourers, rural artisans, and scheduled castes and scheduled tribes) for productive

purposes to the maximum extent possible, and provision for some consumption

component to the low income groups as a part of loans for production and investment

purposes. All the schemes to be financed through loans will have to be technically

feasible and economically viable".

The plan is to indicate scheme-wise and block-wise break-up so that monitoring of

implementation in compact areas and of the development of infrastructural facilities can be

facilitated. Scale of finance and cost norms are to be uniform for all credit institutions. Each

credit institution is required to plan its financial and man-power resources and match them

with the shares allocated to it for lending under the DCP.

The DCP is a broad framework. It becomes operational only to the extent of being

translated into technically feasible and economically viable schemes with reference to

location-specific realities, or in the popular phrase 'bankable schemes'. A scheme

becomes bankable when its forward and backward linkages are ensured. Supporting

services like supply of inputs, marketing facilities and extension services must be identified

and provided for in adequate measure. Once such bankable schemes are prepared,

allocation to each bank has to be decided for which purpose a banking plan has to be

prepared when several banks are to participate in their implementation.

Inter-institutional co-ordination is of critical importance in the formulation and

implementation of the District Credit Plans. Allocation of shares in the District Credit

Plans is to be ratified by the Controlling Authority of the Banks participating in the

district plans to ensure necessary support to the branches in the implementation of

plans. The State Level Bankers Committee has the responsibility to review these

reports and ensure appropriate follow-up action to see that plan implementation is

in accordance with the envisaged time schedule.

xxxxxxx


CHAPTER-VI

GOVERNMENT POLICIES

A. SNIPPETS FROM UNION BUDGET 2010-2011

CHALLENGES FOR THE BUDGET

To quickly revert to the high GDP growth path of 9 per cent and then find the means

to cross the „double digit growth barrier‟.

To harness economic growth to consolidate the recent gains in making development

more inclusive.

To address the weaknesses in government systems, structures and institutions at

different levels of governance.

Fiscal Consolidation

Government for the first time would target an explicit reduction in its domestic public debt-

GDP ratio in line with the recommendation of Thirteenth Finance Commission.

Tax reforms

Direct Tax Code (DTC) will be implemented from April 1, 2011. Endeavour to introduce

GST by April, 2011

People’s ownership of PSUs:

Ownership has been broad based raising about Rs 25,000 crore during the current year.

Fertiliser subsidy

A Nutrient Based Subsidy policy will become effective from April 1, 2010.

Public Sector Bank (PSB) Capitalisation

Rs.16,500 crore provided to some PSBs to ensure that these Banks are able to attain a

minimum 8 per cent Tier-I capital by March 31, 2011.

Recapitalisation of Regional Rural Banks (RRB)

To provide further capital to strengthen the RRBs to have adequate capital base to support

increased lending to the rural economy.


Agriculture Growth

Government will follow a four-pronged strategy, covering

(a) Agricultural production

Rs. 400 crore provided to extend the green revolution to the eastern region of the country.

Rs. 300 crore provided to organise 60,000 “pulses and oil seed villages” in rain-fed areas.

Rs. 200 crore provided for sustaining the gains already made in the green revolution

(b) Reduction in wastage of produce

To bring down the considerable difference between farm gate, wholesale and retail prices.

FCI to hire godowns from private parties for a guaranteed period of 7 years.

(c) Credit support to farmers

For the year 2010-11, the target has been set at Rs.3,75,000 crore.

In view of the recent drought in some States and the severe floods in some other parts of

the country, the period for repayment of the loan amount by farmers extended by six

months from December 31, 2009 to June 30, 2010 under the Debt Waiver and Debt Relief

Scheme for Farmers.

Incentive of additional one per cent interest subvention to farmers who repay short-term

crop loans as per repayment schedule, increased to 2%.

(d) Impetus to the food processing sector

Government has decided to set up five more mega food parks.

External Commercial Borrowings to be available for cold storage or cold room facility,

Infrastructure

Rs 1,73,552 crore provided for infrastructure development , 46 per cent of the total plan

allocation.

Allocation for road transport at Rs 19,894 crore.

Rs 16,752 crore provided for Railways,

Energy : Plan allocation for power sector excluding RGGVY Rs.5,130 crore in 2010-11.

INCLUSIVE DEVELOPMENT

Rs.1,37,674 crore provided for social sector in 2010-11, which is 37% of the total plan

outlay in 2010-11.


Another 25 per cent of the plan allocations are devoted to the development of rural

infrastructure.

Financial Inclusion

Appropriate Banking facilities to be provided to habitations having population in excess of

2000 by March, 2012. Insurance and other services to be provided using the Business

Correspondent model.

Augmentation of Rs.100 crore each for the Financial Inclusion Fund (FIF) and the

Financial Inclusion Technology Fund, which shall be contributed by Government of India,

RBI and NABARD.

Rural Development

Rs. 66,100 crore provided for Rural Development.

Allocation for Mahatma Gandhi National Rural Employment Guarantee Scheme stepped

up to Rs.40,100 crore in 2010-11.

Rs.48,000 crore allocated for rural infrastructure programmes under Bharat Nirman.

Unit cost under Indira Awas Yojana increased to Rs.45,000 in the plain areas and to

Rs.48,500 in the hilly areas. Allocation for this scheme increased to Rs.10,000 crore.

Allocation to Backward Region Grant Fund enhanced to Rs 7,300 crore.

Urban Development and Housing

Allocation for urban development made Rs.5,400 crore in 2010-11.

Allocation for Housing and Urban Poverty Alleviation raised toRs.1,000 crore in 2010-11.

Rs.700 crore provided for interest subvention on housing loan upto Rs.10 lakh.

Rs.1,270 crore allocated for Rajiv Awas Yojana.

Micro, Small & Medium Enterprises

Allocation for this sector to be is Rs.2,400 crore.

The corpus for Micro-Finance Development and Equity Fund is Rs.400 crore.

Unorganised Sector:National Social Security Fund for unorganised sector workers to be

set up with initial Rs.1000 crore to support schemes for weavers, rickshaw pullers, bidi

workers etc. Rashtriya Swasthya Bima Yojana benefits extended to all such Mahatma

Gandhi NREGA beneficiaries who have worked for more than 15 days during the

preceding financial year.


Social Welfare

“Saakshar Bharat” to further improve female literacy rate launched with a target of 7 crore

non-literate adults which includes 6 crore women.

Mahila Kisan Sashaktikaran Pariyojana to meet the specific needs of women farmers with

a provision of Rs 100 crore as a sub-component of the National Rural Livelihood Mission.

Plan outlay of the Ministry of Social Justice and Empowerment made for Rs.4500 crore.

Plan allocation for the Ministry of Minority Affairs made for Rs.2,600 crore.

Direct Taxes

Income tax slabs for individual taxpayers revised upward

Rate of Minimum Alternate Tax (MAT) increased from the current rate of 15% to 18%.

Indirect Taxes

Restore the basic duty of 5 per cent on crude petroleum; 7.5 per cent on diesel and petrol

and 10 per cent on other refined products. Central Excise duty on petrol and diesel

enhanced by Re.1 per litre each.

Agriculture & Related Sectors : Provide full exemption from customs duty to refrigeration

units required for the manufacture of refrigerated vans or trucks.

Provide concessional customs duty of 5 per cent to specified agricultural machinery not

manufactured in India;Provide full exemption from excise duty to trailers and semi-trailers

used in agriculture.The transportation by road of cereals, and pulses to be exempted from

service tax.Transportation by rail to remain exempt.

Service Tax

Rate of tax on services retained at 10 per cent to pave the way forward for GST.

Proposals on direct taxes estimated to result in a revenue loss of Rs. 26,000 crore for the

year. Proposals relating to Indirect Taxes estimated to result in a net revenue gain of

Rs.46,500 crore for the year. The net revenue gain is estimated to be Rs. 20,500 crore for

the year.


B. BIRD’S EYEVIEW OF RBI's ANNUAL POLICY STATEMENT :YEAR 2010-11

Growth

Under the assumption of a normal monsoon and sustenance of good performance of the

industrial and services sectors, the baseline projection of real GDP growth for 2010-11 is

placed at 8.0 per cent with an upside bias.

Inflation

The inflation, accelerated to 9.9 per cent by March 2010

Against this backdrop, the stance of monetary policy of the Reserve Bank is intended to:

Anchor inflation expectations, while being prepared to respond appropriately, swiftly

and effectively to further build-up of inflationary pressures.

Actively manage liquidity to ensure that the growth in demand for credit by both the

private and public sectors is satisfied in a non-disruptive way.

Maintain an interest rate regime consistent with price, output and financial stability.

Monetary Measures

Bank Rate has been retained at 6.0%.

Repo Rate increased under the Liquidity Adjustment Facility (LAF) by 25 basis points

from 5.0 per cent to 5.25 per cent with immediate effect.

Reverse Repo Rate increased the reverse repo rate under the LAF by 25 basis points

from 3.5 per cent to 3.75 per cent with immediate effect.

Cash Reserve Ratio increased the cash reserve ratio (CRR) of scheduled banks by 25

basis points from 5.75 per cent to 6.0 per cent of their net demand and time liabilities

(NDTL) effective the fortnight beginning April 24, 2010.


Base Rate: Introduction

Banks to switch over to the system of Base Rate from July 1, 2010. Guidelines on the

Base Rate system were issued on April 9, 2010. The Base Rate system will facilitate better

pricing of loans, enhance transparency in lending rates and improve the assessment of

transmission of monetary policy.

Reporting Platform for Certificates of Deposit (CDs) and Commercial Papers (CPs)

In order to promote transparency in the secondary market transactions

Credit Flow to the MSE Sector

Banks not to insist on collateral security in case of loans up to Rs.10 lakh as against the

present limit of Rs.5 lakh extended to all units of the micro and small enterprises (MSEs)

sector.

High Level Task Force on MSMEs

(i) all scheduled commercial banks should achieve a 20 per cent year-on-year growth in

credit to micro and small enterprises to ensure enhanced credit flow;

(ii) any shortfall in the achievement of sub-target of 60 per cent for lending to micro

enterprises of the total advances granted to the micro and small enterprises, would also be

taken into account for the purpose of allocating amounts for contribution to rural

infrastructure development fund (RIDF) or any other Fund with other financial institutions

as specified by the Reserve Bank, with effect from April 1, 2010; and

(iii) all scheduled commercial banks should achieve a 15 per cent annual growth in the

number of micro enterprise accounts.

Financial Inclusion Plan for Banks

With a view to increasing banking penetration and promoting financial inclusion, domestic

commercial banks, both in the public and private sectors, banks to put in place a Board-

approved Financial Inclusion Plan (FIP) in order to roll them out over the next three years.

Banks to include criteria on financial inclusion in the performance evaluation of their field


staff. Third, banks to draw up a roadmap by March 2010 to provide banking services in

every village having a population of over 2,000.

Business Correspondents: Relaxations

To permit banks to engage any individual, Common Service Centres (CSCs), as BC,

subject to banks‟ comfort level and their carrying out suitable due diligence.

High Level Committee on Lead Bank Scheme

The lead banks to constitute a sub-committee of the District Consultative Committees

(DCCs) to draw up a roadmap by March 2010 to provide banking services through a

banking outlet in every village having a population of over 2,000. Such banking services

need not necessarily be extended through a brick and mortar branch but through any of

the various forms of information and communication technology (ICT)-based models,

including through business correspondents (BCs).

Customer Service

(a) to further strengthen the mechanism, for implementing the Reserve Bank‟s guidelines

on customer service, through on-site and off-site inspections.

(b) to require banks to devote exclusive time in a Board meeting once every six months to

review and deliberate on customer service.

Non-Banking Financial Companies

Core Investment Companies (CICs) having an asset size of Rs.100 crore and above will

be treated as systemically important core investment companies . Such companies will be

required to register with the Reserve Bank.


C. HIGHLIGHTS OF ELEVENTH FIVE YEAR PLAN (2007-2012)

The Eleventh Five Year Plan, which was approved by the National Development Council

on 19 December 2007 provides a comprehensive strategy for inclusive development,

building on the growing strength of the economy, while also addressing weaknesses that

have surfaced. It addresses to the challenge of making growth both faster and more

inclusive and aims at achieving a radical transformation in this aspect of our development.

It sets a target for 9% growth in the five year period 2007–08 to 2011–12 with acceleration

during the period to reach 10% by the end of the Plan. It also identifies 26 other

measurable indices of performance relating to poverty, education, health, women and

children, infrastructure, and environment and sets monitorable targets in each of these.

The Eleventh Plan outlines the new priorities for the public sector. These relate to reviving

dynamism in agriculture and building the necessary supportive infrastructure in rural areas,

expanding access to health and education, especially in rural areas, undertaking

programmes for improving living conditions for the weaker sections and for improving their

access to economic opportunity. It also includes a major thrust for infrastructure

development in general. Improved performance in agriculture is necessary to make our

growth inclusive. The Eleventh Plan adopts a multipronged approach towards this end. It

provides for a major expansion in the programmes for irrigation and water management.

The Rashtriya Krishi Vikas Yojana (RKVY) has been launched to assist the States in

development and implementation of district level agricultural plans, based on local agro-

climatic conditions. As a step towards food security, the National Food Security Mission

aims at increasing cereal and pulses production by 20 million tons over a five year period.

There is a massive thrust in the Eleventh Plan on access to education and health, which

are critical to social and economic empowerment of the people. The National Skill

Development Mission will help in meeting the demands for skills in our growing economy

as well as in generating high quality employment. The Plan emphasizes the need for

energy conservation,rational pricing of energy and development of renewable sources of

energy. An important aspect of the Eleventh Plan is that most of the public sector

programmes are in areas that are normally in the domain of State Governments and where


implementation depends upon the active involvement of local level bodies including the

Panchayati Raj Institutions. The Eleventh Plan places a much greater reliance upon the

involvement of the Panchayati Raj Institutions.

The Eleventh Five Year Plan has the following objectives:

1. Income & Poverty

o Accelerate GDP growth from 8% to 10% and then maintain at 10% in the

12th Plan in order to double per capita income by 2016-17

o Increase agricultural GDP growth rate to 4% per year to ensure a broader

spread of benefits

o Create 70 million new work opportunities.

o Reduce educated unemployment to below 5%.

o Raise real wage rate of unskilled workers by 20 percent.

o Reduce the headcount ratio of consumption poverty by 10 percentage points.

2. Education

o Reduce dropout rates of children from elementary school from 52.2% in

2003-04 to 20% by 2011-12

o Develop minimum standards of educational attainment in elementary school,

and by regular testing monitor effectiveness of education to ensure quality

o Increase literacy rate for persons of age 7 years or above to 85%

o Lower gender gap in literacy to 10 percentage point

o Increase the percentage of each cohort going to higher education from the

present 10% to 15% by the end of the plan

o Increase enrolment rate to 21%


3. Health

o Reduce infant mortality rate to 28 and maternal mortality ratio to 1 per 1000

live births

o Reduce Total Fertility Rate to 2.1

o Provide clean drinking water for all by 2009 and ensure that there are no slip-

backs

o Reduce malnutrition among children of age group 0-3 to half its present level

o Reduce anaemia among women and girls by 50% by the end of the plan,

o Insurance cover against illness to BPL families under Rasthriya Swasthya

Bima Yojana

4. Women and Children

o Raise the sex ratio for age group 0-6 to 935 by 2011-12 and to 950 by 2016-

17

o Ensure that at least 33 percent of the direct and indirect beneficiaries of all

government schemes are women and girl children

o Ensure that all children enjoy a safe childhood, without any compulsion to

work,

o Improved broad based Health Care through National Rural Health Mission

5. Infrastructure

o Ensure electricity connection to all villages and BPL households by 2009 and

round-the-clock power.

o Ensure all-weather road connection to all habitation with population 1000 and

above (500 in hilly and tribal areas) by 2009, and ensure coverage of all

significant habitation by 2015

http://en.wikipedia.org/wiki/Poverty_threshold


o Connect every village by telephone by November 2007 and provide

broadband connectivity to all villages by 2012

o Provide homestead sites to all by 2012 and step up the pace of house

construction for rural poor to cover all the poor by 2016-17

6. Environment

o Increase forest and tree cover by 5 percentage points.

o Attain WHO standards of air quality in all major cities by 2011-12.

o Treat all urban waste water by 2011-12 to clean river waters.

o Increase energy efficiency by 20 percentage points by 2016-17.


D. BRIEF POINTS OF ORISSA INDUSTRIAL POLICY – 2007

STRATEGY

To create an enabling environment for development of industrial and related social

infrastructure of international standards.

To put in place an effective grievance redressal mechanism for speedy project

implementation and also for addressing post implementation issues.

GENERAL POLICY FRAME WORK

It pursues a multi-pronged approach for industrial promotion by providing infrastructure

support, institutional support and pre and post-production incentives.

To incentivise investment in thrust and priority sectors with a view to maximizing the

triple objectives of value addition, employment generation and revenue augmentation.

Micro Enterprises: the focus shall be on

Promoting linkages with micro finance institutions.Product development through design

and technology support, Provision of raw material linkages through Orissa Small Industries

Corporation (OSIC)., Intensification of cluster development project with special emphasis

on promotion of Common Facility Centres (CFC).

Small & Medium Enterprises: the focus shall be on

Modernization of SMEs., Facilitating greater flow of institutional credit, Providing marketing

support under Government purchase programme, Rehabilitation of potentially viable sick

industries, Development of Special Industrial Parks for ancillary and downstream

industries, Cluster development approach for enhancing the competitiveness of potential

sectors. To set up Common Facility Centres and Testing Laboratories on PPP mode.

Large Industries: efforts shall be made

To leverage the concentration of metal industries for promoting manufacturing industries.

To leverage the coastline advantage to promote port based industries

To maximize supply chain linkages with SMEs by facilitating ancillary and downstream

industries.,


Thrust sectors: the objectives shall be

To facilitate directed investment into sectors that offer huge employment, opportunities,

maximize value addition and having multiplier effect,

To provide incentive packages and provide additional incentive for the pioneer.

Priority Sector: the focus shall be on

Provision of specialised industrial infrastructure requirements

Industrial and Allied Infrastructure Development Fund (IAIDF) with an initial corpus of

Rs.100 crore to support industrial infrastructure.

A comprehensive Land Policy to address all issues concerning identification, procurement

and allotment of land for industrial and allied purposes.

A separate policy for Special Economic Zones.

Development of Industrial Areas and Industrial Estate by private developers.

IDCO shall promote a World Trade Centre (WTC) at Bhubaneswar to promote global

networking and give international visibility to the industrial potential of the state.

IDCO shall act as the Nodal Agency in the State for promotion of Gas Grid.

A comprehensive policy for industrial use of water taking into account the surplus water

available after factoring for drinking water supply and irrigation requirements.

Availability of low cost and reliable power to attract industries.

Large industries shall also be encouraged to set up their captive power plants.

Roads of economic importance shall be taken up on priority basis for development on PPP

mode.

REHABILITATION AND REVIVAL OF VIABLE SICK UNITS

The State Level Inter Institutional Committee (SLIIC) shall be empowered to extend need

based incentives.

MARKETING SUPPORT TO MSES IN GOVERNMENT PROCUREMENT

Comprehensive review of the rate contract purchase list, exclusive purchase list and open

tender purchase list.

Large and medium industries, including those in private sector, to meet their store

purchase requirements from the local MSEs,

Local units shall get price preference for this purpose.


Local Small Scale Industrial units and Khadi & Village industrial units including handloom

and handicrafts will enjoy a price preference and local small scale industrial unit having

ISO or ISI Certification for its product will get an additional price preference of 3%.-

FINANCIAL AND OTHER SUPPORT MEASURES:

ELIGIBILITY

New industrial units excluding SEZ Units shall be eligible for incentives.

Industrial units covered under earlier Industrial Policy Resolutions shall continue to enjoy

the incentives if admissible under the said policy as per eligibility.

Migrated Industrial units shall be eligible for incentives provided in this policy,

Existing industrial units which take up expansion/ modernization/ diversification will

be eligible for specific incentives as specified. However, defaulters of Banks, Development

Financial Institutions, SIDBI, OSFC, IPICOL, Government and Government controlled

agencies, will be eligible for such incentives only after they clear the dues.

Rehabilitated sick industrial units shall be eligible for such incentives as recommended by

State Level Inter Institutional Committee (SLIIC).

Transferred Units/ Seized Units u/s 29 of SFC Act and sold to a new entrepreneur

shall be eligible to avail of incentives

Statutory Arrears payable by previous owners shall not be realizable from the transferees

SPECIAL INCENTIVES FOR K B K REGION, KANDHAMAL, GAJAPATI &

MAYURBHANJ

Non-mineral based new industrial units located in K B K REGION and the Revenue

districts of Khandamal,Gajapati and Mayurbhanj with minimum investment of five crore

rupees in plant & machinery and providing direct employment to minimum hundred

persons to be treated as deemed thrust sector unit and be eligible for all incentives

prescribed for the thrust sector.

LAND

Government land to be allotted for industrial units, including infrastructure projects.

Exemption from land conversion premium to New Industrial units and existing industrial

units taking up expansion/ modernisation/diversification with ceiling up to 500 Acres.

MSMEnterprises eligible to make the payment for IDCO shed in four annual installments.


STAMP DUTY

No stamp duty will be paid in respect of land allotted by the Government to IDCO or

Government/IDCO to Private Industrial Estate Developers.In respect of transfer of land /

shed by Government, IDCO and Private industrial estates / developers to new industrial

units and existing industrial units taking up expansion,modernization and diversification,

exemption on Stamp Duty shall be applicable as follows.

Waiver of Stamp duty for .Micro &Small Sector, Medium Sector, Large Sector, Priority

Sector, Thrust Sector a new owner / management under the provisions of the State

Financial Corporation Act, 1951 or on the recommendation of the State Level Inter

Institutional Committee (SLIIC)

Loan agreements, credit deeds, mortgages and hypothecation deeds executed by the

Industrial Units in favour of Banks or Financial Institutions shall be allowed 100%

exemption from stamp duty.

Exemption/ Concessions/Reimbursement in Value Added Tax (VAT), Central Sales

Tax (CST), Entry Tax and Entertainment Tax provided to Khadi, Village, Cottage &

Handicraft industrial units and traditional coir products, New Micro & Small Enterprises on

acquisition of plant & machinery ,New Micro and Small Enterprises shall be exempted from

payment of Entry Tax on purchase of raw materials ,New industrial units in Priority Sector

Existing industrial unit taking up expansion/ modernisation/ diversification New Multiplex

Cinema hall

INTEREST SUBSIDY

For Micro and Small enterprises the interest subsidy shall be available only on term loan

availed from OSFC.

POWER

Exemption of / concession in payment of electricity duty to New industrial unit / Thrust

sector industries , New industrial unit setting up captive power plant ,Industries of seasonal

nature like sugar, salt industries, etc.,

PATENT REGISTRATION

Reiumbersement of registration cost to New Industrial units for filing patent


QUALITY CERTIFICATION

Assistance for obtaining quality certification from B.I.S and other internationally recognized

Institutions to New Industrial units

ASSISTANCE FOR TECHNICAL KNOW-HOW

Assistance for obtaining technical know

MARKETING SYNDICATION

OSIC / NSIC will act as Syndicate Leader for marketing of the products and services of

Micro & Small Enterprises of the State

FILM INDUSTRY

All Oriya feature films produced in Orissa shall be exempted from Entertainment Tax.

Multiplexes shall be eligible to get allotment of government/ IDCO land atconcessional

industrial rate.

Soft loan assistance at a nominal rate of interest

SHILPA ADALAT

A Shilpa Adalat to provide a timely and effective dispute/ grievance resolution mechanism

for industries, to hear the grievances / complaints of investors and make its

recommendation to the appropriate authority(ies) for consideration and redressal.Where

major policy decision is involved, HLCA, which shall be the final authority.


E: ESSENCES OF ORISSA AGRICULTURAL POLICY – 2008

OBJECTIVES

The public investment in agriculture has been declining and is one of the main reasons

behind the declining productivity and low capital formation in the agriculture sector.

To stimulate Private investment in agriculture through appropriate policies.

The New Agriculture Policy is futuristic, flexible enough to anticipate and address

emerging trends, identify potential areas for development and for at least next 10 years.

The main objectives of this Policy are as follows:

To bring in a shift from the present level of subsistence agriculture to a profitable

commercial agriculture on a sustaining basis for acceptability as a vocation;

To enhance productivity of important crops ;

To encourage crop diversification particularly in uplands and medium lands;

To focus on horticultural crops including dry-land horticulture ;

To encourage modern farming system approach;

To enhance water use efficiency through peoples‟ participation;

To facilitate increased long term investment in agricultural sectors (on farm as well as off

farm),particularly for post harvest management, marketing, agro processing and value

addition, etc;

To encourage contract as well as compact farming;

To increase access to credit for small and marginal farmers;

To facilitate appropriate market linkages for agricultural produce with respect to which the

state has competitive advantages;

To implement integrated watershed development programmes;

INPUT MANAGEMENT

(i) Seeds:

The Seed Replacement Rate in paddy is to be enhanced from 10% to 25% by the end of

Eleventh Five Year Plan.

Seed Village Programme will be implemented in all the blocks of the State with special

emphasis on production of vegetable seeds, oil seeds and pulses seeds. Production


incentive and distribution subsidy will be provided for production and distribution of quality

seeds.Seed Processing Plants along with godowns will be established in each district to

ensure easy availability of seeds to the farmers, seed sale centres will be opened in each

Gram Panchayat.

(ii) Irrigation:

To maximize yield and income per unit of water in all crop production programmes.

Providing adequate resources for speedy completion of the ongoing irrigation projects.

Participatory community irrigation management through the pani panchayat system.

Assured irrigation will be made to at least 35% of cultivable land in each block, by a

suitable combination of flow and lift irrigation.

Irrigation tanks will be dug in every village having such potential.

Individual tube wells and bore wells under the Jalanidhi programme with subsidy.

Community Lift Irrigation projects with subsidy under Biju Krushak Vikas Yojana (BKVY).

Micro irrigation (drip and sprinkler irrigation) will be promoted by providing subsidies.

Charges for energisation of dug well / private L.I. points will be subsidized under Biju Gram

Jyoti Yojana (BGJY).

Farm ponds will be exacavated,free of cost in the field of BPL farmers in under NREGS.

(iii) Fertilizers:

Emphasis would be laid on „balanced fertilization‟. Integrated Nutrient Management (INM)

is to integrate the use of all natural and man-made sources of plant nutrients required for

high agricultural productivity besides ensuring the health of the soil. Use of bio-fertilizers

will be promoted through suitable incentives and effective extension.

(v) Farm Mechanization

Farm Mechanization will be promoted in a big way by ensuring easy availability of

appropriate farm machiney at substantially subsidized rates. Rate of subsidy on farm

mechanization and equipments will be raised to 50%

Developing the farm machinery suitable for different types of soil.

to provide technical know-how to the farmers regarding appropriateness of the farm

machinery.


Training relating to farm machineries and equipment shall be imparted to the farmers and

artisans.

Women friendly farm equipments will be promoted.

Agro Service Centers will be promoted to provide door-step services.

SOIL TESTING AND RESTORATION OF SOIL HEALTH AND FERTILITY

Each farmer is to be issued with a Soil Health Card in a campaign mode, containing the

details of results of soil tests and remedial measures required to restore soil fertility.

Soil testing facilities will be made available at all Block headquarters.

Soil amendments such as lime, etc. will be made available to farmers at affordable prices.

Vermi Hatchery will be set up in each block with private participation. Suitable incentive /

subsidy will be provided for setting up of VermiHatcheries and Vermi Compost unit.

Tribal farmers will be discouraged from shifting cultivation with alternate livelihood options.

To motivate farmers to restore fertility by use of green manure.

AGRICULTURE EXTENSION

„Talking Type‟, of extension will be replaced by „Doing Type‟.Reaching the contact farmers

and delivering the messages by „Doing Type‟ of extension will be emphasized.

To promote farmers to farmers learning by setting up Farm Schools in the field of

progressive farmers.

One lead farmer for each Gram Panchayat will act as „Krushak Sathi‟, who will be

appropriately trained to serve as effective contact points for dissemination of Agriculture

Technology to other farmers in the Gram Panchayat.

Gram Krushak Manch (GKM) in every revenue village will be used as a tool to increase

outreach to more number of farmers.

Selected best farmers would be given cash award at Block, District and State level every

year.

HORTICULTURE

Importance of dry land horticulture as a supplementary source of income to the farms will

be promoted.

Adoption of cluster approach o have adequate processing and marketing arrangements.


Encouragement of private entrepreneurs and food processing companies to enter into

marketing contracts with horticulture farmers.

Promotion of cold storage facilities by providing subsidy and other incentives.

Electricity tariff for Cold storages will be at special rates (Agro industrial consumers)

instead of Industrial / Commercial rates.

one Model (big) Nursery will be set up in each district and one Small Nursery will be set up

in each block.

National Horticulture Mission (NHM) will cover all the districts of the State.

Floriculture:

Contract farming of flowers will be encouraged with suitable forward linkage. Suitable

financial incentive will be provided not only for cultivation of flowers but also for post

harvest management including marketing.

Cashew nut:

A special programme will be launched for replacement of the old, senile and uneconomical

plantations with clones of High Yield variety in a time bound manner. Cashew processing

in the State will be given priority.

Coconut:

A definite, time –bound programme will be taken up for replacement of old & senile plants

with new high yield variety plants.

WATERSHED DEVELOPMENT

Farm ponds will be dug in the farms of individual farmers through the Watershed

Associations. The small and marginal farmers will avail the facility free of cost while the

other farmers will have to contribute 50% of the cost of such pond to the Watershed

Association.

RAINFED AGRICULTURE

Incentives to raise light duty crops like oilseeds, pulses and horticultural plantations crops

on such lands and for crop diversification.

ORGANIC FARMING

Incentive for Organic Farming to farmers harvesting organically certified crops.


INTEGRATED FARMING

A proper combination of different farm production systems namely, agriculture,

horticulture, livestock,poultry, agro-forestry, sericulture and pisciculture will be promoted.

POST HARVEST MANAGEMENT

„Community Threshing Yards‟ will be constructed to enable farmers to thresh their crops in

time by using appropriate equipment.

Major storage facilities will be created at important market centres to facilitate scientific

storage of produce till it can be sold at remunerative prices.

AGRI-ENTERPRISES

APICOL will be suitably strengthened and restructured to make its functioning more

effective. KSKs will be appropriately professionalized. Capital Investment Subsidy for

setting up of agri-enterprises will be enhanced. Additional incentives will be given to

SC/ST/Women agri-preneurs along with graduates of Agriculture & allied disciplines.

AGRO-PROCESSING

Setting up of agro-processing units in the producing areas to reduce wastage, especially of

horticulture produce, increase value addition and creation of off-farm employment in rural

areas will be encouraged.

AGRICULTURAL CREDIT

(i) Expansion of the Cooperative Credit Network

The Cooperative Societies are to be revived in order to make credit available to the

farmers at the village level.

(ii) Agricultural Credit at Concessional Interest Rates

The State Government is providing interest subvention support to the Cooperative Banks

to enable them to finance crop loans to the farmers of the State at 7% interest rate.

AGRICULTURAL MARKETING

Establishment of Integrated Cotton Markets with Ginning & Bale Pressing Units.

Establishment of two Special Mandis for Maize at Umerkote and Raighar.

Market Yards will be established covering all the 118 Blocks in the State.

Physical linkage of production centres to the markets by rural link roads.


To enable farmers to get proper prices for their surplus paddy sold at the RMC Market

Yards, facilities for cleaning and drying, grading, weighing and bagging will be provided at

all those Market Yards / Sub-Market Yards/ Temporary Procurement Centres.

Agri-export Zones (AEZs) would be established.

Minimum Support Price (MSP) mechanisms will be implemented to ensure remunerative

prices for the farm produce.

Effective linkages will be promoted with other rural infrastructure development

programmes such as Bharat Nirman, NREGS, BRGF,PMGSY, RGGVY, etc.

WOMEN IN AGRICULTURE

Women will be important project partners in agricultural development. So,emphasis will be

laid upon capacity-building and empowerment of women to achieve the goals.

Women-friendly farm equipments will be promoted.

APPLICATION OF ICT IN AGRICULTURE

The Department of Agriculture will operate an interactive internet portal to disseminate

information on the recommended practices for various crops and to answer queries and

will provide information on prices of various commodities in different markets in the State.

E-commerce facility will be set up to facilitate online sale and purchase of agricultural

produce, which would greatly reduce the transaction costs.

PATTERN OF ASSISTANCE

Subsidy for agri enterprises, Private Lift Irrigation Projects (Jalanidhi) for Shallow tube

well, Dug well, Bore well, River Lift / Surface Lift Project , Micro Irrigation Drip Sprinkler

HDPE Pipes For Oil Palm Drip, Soil Management, Farm Mechanization and Horticulture

will be provided.

XXXXXXXXXXXX


CHAPTER - VII

The Plan Layout

Total Outlay at 309.97 Crores, Crop Loan 118.55 crores,

Agricultural Term Loan Credit 47.19 crores, Allied Agriculture 37.48 crores

NFS 17.07 crores, OPS 71.73 crores & Personal Segment 17.95 crores.

The Plan for 2010-2011 envisages an outlay of Rs.309.97 crores. It is expected that

credit deployment to this extent would provide impetus to the critical sectors of the

economy in the district, taking it to a higher sustainable growth path through the multiplier

effect.

Since Credit Planning is synonymous with prioritizing credit, the lion‟s share in the

plan, i.e..94% is accounted for by the Priority Sector comprising Crop loan, Other

Agricultural Loans, Activities allied to Agriculture, Non-Farm Sector constituting of MSME

and Other Priority Sector, i.e. the Services sector and some vital Personal Segment loans

like Housing, Education loans necessary for inclusive growth. The outlay envisages for the

Priority Sector is 292.02 crores. A sum of Rs.118.55 crores has been earmarked for Crop

loans as against a provision of Rs.85.78 crores for 2009-10. The major chunk of this, i.e.

Rs.69.99 crores, is expected to be provided by the Co-operative sector.

It is well known that higher capital formation in agriculture would shift the yield curve

upwards and increase production along with productivity. An outlay of 47.19 crores has,

therefore, been planned for this sector. Out of this, minor irrigation accounts for 5.86

crores, Land development 1.67 crores and forestry and waste land development 0.97

crore. The major burden in this segment is to be taken up by SBI and UGB. Although, the

achievement in this segment has not been very encouraging in the past, accepting the

ground reality that investment in this segment is sine-qua-non for agricultural growth; the

financing agencies have agreed to upscale their stake. Financing of activities allied to

agriculture has been showing an encouraging trend in the recent past. The outlay in this

segment has, therefore, been increased from 22.44 crores to 37.48 crores.


The major problematic area has been the Non-Farm sector in general and SME in

particular, as has already been analyzed in Chapter II. Although the achievement has

been poor during the last two years, the financing institutions have agreed to enhance the

target in the segment by 12% to 37.48 crores. Other Priority Sector, also, sees an increase

in outlay by 46% to 71.73 crores.

INCLUSIVE GROWTH:

It is imperative that the Annual Credit Plans have “Growth with Equity‟ as their guiding

principle. To bring positive difference to the poor and economically disadvantaged, the

financing institutions have been actively participating in the Government sponsored

programmes and achieving the targets set forth in this behalf year after year. An amount of

Rs.144.21 crores has been earmarked for loans to the target group. A sizable chunk of

this, i.e..15.67 crores & Rs.2.39 crores will go to the beneficiaries of the Swarna Jayanti

Gram Swarojgar Yojana and SJSRY Programme respectively. The requirement of other

Government programmes, like PMEGP, Swarna Jayanti Sahari Rojgar Yojana, IGS of

OSFDC, National Horticulture Mission and the schemes of APICOL have been adequately

taken care of while planning the outlays.

PLAN IN DETAIL:

The detail plan is set out in the Annexure which follows.

Documents

CHAPTER-I DISTRI CT PROFILE History - balangir.nic.in Bank/ACP BLGR 2010 2011.pdfCHAPTER-I DISTRI CT PROFILE History ... view of proximity to Kalahandi, Sambalpur and Sonepur,