PLP 2016-17

District: Devbhoomi Dwarka

1

EXECUTIVE SUMMARY

A. Introduction

Devbhoomi Dwarka is primarily an agricultural district with Ground Nut as the predominant crop. The

other major crops cultivated are Cotton, Cumin, Gram, Coriander, Wheat, Til , Garlic and Onion etc.

About 48% of land holdings are with small and marginal farmers and the average size of the holdings

is 2.76 Ha.

The Potential Linked Credit Plan (PLP) for 2016-17 has been prepared aligning with the revised RBI

guidelines on Priority Sector Lending. It estimates credit flow of Rs 86048.17 lakh, of which, Crop

Production sector has a major share of 81.63% at Rs.70247.42 lakh. Term loan under agriculture is

assessed at Rs 8744.28 lakh accounting for about 10.16 % of total PSL.Under MSME, Rs.3939.80 lakh

has been assessed as potential forming 4.5 % and balance at Rs 3116.67 lakh has been estimated for

other sectors like Export credit , Education, Housing, etc. The activity-wise and block-wise assessment

of potential is presented in Annexure I.

The PLP projection for 2016-17 is higher by Rs.13987.97 lakh when compared to the PLP for the year

2015-16 representing an increase of 19.41 %. Further, the PLP projection is higher by Rs 10962.03 lakh

when compared to the ACP target for the year 2015-16.

Suggested action Points in respect of major sectors and infrastructure/non-credit inputs are as under:

B. Sector-wise comments on major sectors

1. Crop Production, Maintenance and Marketing

The district with gross cropped area of 247678 ha has a cropping intensity of 104%. The net sown area

is 238370 Ha. The land holding indicates 43238 land holders (small and marginal farmers) having land

upto 2 hectares and 46518 land holders (medium sized) having holding between 2 to 10 Hectares. There is urgent need for popularization of micro irrigation techniques among farmers and improvement

in quality extension services to farmers by state department.

There a greater need for creating awareness among farmers for soil & water analysis for application of

balanced nutrients as well judicious use of fertilizer.

Banks may adopt Rupay KCC as an effective credit delivery mechanism and educate the farmers to

subscribe to crop insurance schemes.

2. Water Resources and Land Development

The district is devoid of perennial rivers. The rivers in Devbhoomi Dwarka district are seasonal. There

are 2 medium and 13 minor irrigation projects in the district which have capacity to provide irrigation

to 11290 ha of command area. The major proportion of irrigation is done through dug wells.

Artificial recharge measures through construction of rain water harvesting structures like rain water

storage tanks, percolation tanks, farm ponds, check dams etc. will have to form an integral part of the

minor irrigation development.

Department of Agriculture may organise farmers’ meet to promote micro irrigation scheme for Ground

Nut and Cotton through GGRC with bank loans as these two crops occupies major land share.

Govt may consider inclusion of pressure irrigation technique under Sauni Yojana for provision of

irrigation water to field from distributory & field channels. The installation of micro irrigation system

may be pre condition for the beneficiaries for availing irrigation for judicious use.

There is a need for conserving soil moisture security so that “more crop per drop” can be achieved.

3. Plantation and Horticulture

Horticulture crops could be encouraged as an alternative to the traditional cropping pattern in the district.

PLP 2016-17

District: Devbhoomi Dwarka

2

Vigorous promotion efforts for drip irrigation in horticultural crops by converging GGRC subsidy

programme for horticulture crops.

Bank managers/officials may have to be imparted skills for appraisal of area based programme of

Horticulture crops especially for net house & poly houses.

Horticulture department may generate awareness, provide training and extension to the stakeholders for

organic for organic farming produce & it’s certification.

4. Animal husbandry

Government support is required for setting up of breeding farm in the district so that good quality

animals will be available to farmers.

Banks may encourage dairy development by adopting area based approach for financing in clusters and

taking into account the location of chilling/ processing plants and other linkages.

Banks may play major role in financing for dairy activities through SHGs.

Calf rearing may be encouraged on a large scale with the help of bank finance by identifying suitable

beneficiaries with the active involvement of Department of Animal Husbandry/ Dairying

C. Highlights of Developments, initiatives taken, achievements, specific prescriptions etc.

GoI has established the National Adaptation Fund on Climate Change (NAFCC) with a budget

provision of Rs.350 crores for the year 2015-16 and 2016-17. NABARD has been appointed as National

Implementing Entity (NIE) responsible for implementation of adaptation projects under the Fund.

To ensure effective price protection to the farmer, National Agricultural Market being proposed can be

a solution backed by adequate storage facilities.

D. Thrust areas for 2016-17 such as JLG/SHG financing, post–harvest infrastructure, food processing,

Producer Organizations, Area Development Plans/Schemes, etc.

E. Conclusion

The major driver of private sector capital formation is investment credit. Immediate thrust is required

to raise its share in the total agriculture credit. The document, has therefore, been prepared with

emphasis on accelerating the pace of capital formation in agriculture and allied sectors. This goal can

be achieved with the coordinated efforts of all the stakeholders.

PLP 2016-17

District: Devbhoomi Dwarka

3

Broad Sector wise PLP Projections 2016-17

(Rs in lakhs)

Sr.

No. Particulars

PLP Projections

2016-17

A Farm Credit

i Crop Production, Maintenance and Marketing 70247.42

ii Term Loan for agriculture and allied activities 5198.89

Sub Total 75446.31

B Agriculture Infrastructure 999.39

C Ancillary activities 2546.00

I Credit Potential for Agriculture (A+B+C) 78991.70

II Micro, Small and Medium Enterprises 3939.80

III Export Credit 400.00

IV Education 414.00

V Housing 1080.00

VI Renewable Energy 22.16

VII Others 761.76

VIII Social Infrastructure involving bank credit 438.75

Total Priority Sector (I to VIII) 86048.17

Crop Loan, 70247.42, 82%

Agril & Alllied Activities, 8744.28,

10%

MSME, 3939.80, 4%

Other priority sector, 3116.67, 4%

Priority Sector Lending (Rs in Lakh)

Crop Loan

Agril & Alllied Activities

MSME

Other priority sector

PLP 2016-17

District: Devbhoomi Dwarka

4

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

(₹.lakhs)

Sr No Particulars PLP Projections

2016-17

I Credit Potential for Agriculture

A Farm Credit

i Crop Production, Maintenance and Marketing 70247.42

ii Water Resources 1405.56

iii Farm Mechanisation 2004.20

iv Plantation and Horticulture 269.96

v Forestry and Waste Land Development 16.13

vi Animal Husbandry – Dairy 290.62

vii Animal Husbandry – Poultry 49.20

viii Animal Husbandry – Sheep, Goat, Piggery, etc. 10.02

ix Fisheries (Marine, Inland, Brackish water) 87.20

x Others – Bullock, Bullock cart, etc. 1066.00

Sub Total 75446.31

B Agriculture Infrastructure

i Construction of storage facilities (Warehouses, Market yards,

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

416.25

ii Land development, Soil conservation, Watershed

development

540.01

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

pesticides/ fertilizers, Vermin composting)

43.13

Sub Total 999.39

C Ancillary activities

i Food and Agro processing 2444.00

ii Others (Loans to Cooperative Societies of farmers for disposing of

their produce, Agri Clinics/ Agri Business Centres, Loans to PACS /

FSS/ LAMPS, Loans to MFIs for on lending)

102.00

Sub Total 2546.00

Total Agriculture 78991.70

II Micro, Small and Medium Enterprises

i MSME – Investment Credit 3125.00

ii MSME – Working Capital 814.80

Total MSME 3939.80

III Export Credit 400.00

IV Education 414.00

V Housing 1080.00

VI Renewable Energy 22.16

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

non-institutional lenders, PMJDY, loans to state sponsored

organisations for SC/ST)

761.76

VIII Social Infrastructure involving bank credit 438.75

Total Priority Sector 86048.17

PLP 2016-17

District: Devbhoomi Dwarka

5

PLP 2016-17

District: Devbhoomi Dwarka

6

District - Division -

10001

NIL

4

312

4

408663 Normal 2012-13

17360 599 980

97798 381

28452 Balance

0 342.73

13278

12475

930 % to Total Ha. % to Total

238370 13318 15 8674 3247678 29920 33 44817 18

9308 46518 52 195107 78

104 89756 100 248598 99

90862 Total Male Female Rural Urban

43238 623 320 303 181 442

23903 43 22 21 10 33

2440 4 2 2 3 1

305 187 118 200 105

87032 NA NA NA NA NA

380.85 339 339

213.60 339 272

107.37 175 155

253 664 302

253 34 12

144 265 2388

128

768 100 44079

265 88 68455

698 70 142

663 5 2

18775 10

156446 3564 220

102219 7178 1

124220

6822 50 8117398 4828 100152677 300 10000

9257 9

31485 36000

No of units Cap.[MT]

2 NA Area (Lakh Ha) Prod. (00'MT)

NA NA 0.003 21 1255

1 NA 0.023 44 3270

NA NA 1.550 4685 708

NA NA 1.674 3524 1700

7 NA 0.189 1045 3490

10 NA 0.157 239 1442

NA NA 0.101 33 637

NA NA

Category of animal Total Male Female 26 10

Cattle - Cross bred NA NA NA 26 22

Cattle - All (CB, indigenous) 149 58 61 96 20

Buffaloes 111 10 101 0

Sheep - Cross bred NA NA NA 0 2

Sheep - Indigenous 81 NA NA 23 1

Goat 80 0 1

Pig - Cross bred NA NA NA

Pig - Indigenous NA NA NA Fish 67530

Horse/Donkey/Camel 2 NA NA Egg 10.84

Poultry - Cross bred NA NA Milk 300

Poultry - Indigenous 19 NA NA Meat 205381

Sources (if not mentioned

against the respective item):

Item Nos. 1, 6, 7, 9 & 10 - Census 2001; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water

Resources; Item No. 8 - BPL Survey 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH

Census 2007; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat.The items no 1to 7 is of bifurcated Jamnagar district data and

others are of erstwhile Jamnagar dist data

19. M ILK, FISH, EGG PRODUCTION ILABILITY

Production [MT]

Production [Lakh Nos]

Production ['000 MT]

Production [MT]

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

Dairy Cooperative Societies [Nos] Poultry hatcheries [Nos]

Improved Fodder Farms [Nos] Slaughter houses [Nos]

Disease Diagnostic Centres [Nos] Milk Collection Centres

Artificial Insemination Centers Fishermen Societies [Nos]

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

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

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

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

Cotton (Ginnining/Spinning/Weaving) Wheat

Milk (Chilling/Cooling/Processing) Gram

Meat (Chicken/Motton/Pork/Dryfish) Cumin

Fruit (Pulp/Juice/Fruit drink) Castor

Spices (Masala Powders/Pastes) Cotton

Dry-fruit (Cashew/Almond/Raisins) Groundnut

Sugarcane (Gur/Khandsari/Sugar) Bajra

Type of Processing ActivityCrop

2012-13

Goods Transport Vehicle [Nos] Cold Store Capacity[MT]

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

Avg. Yield

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

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

Length of Railway Line [Km] Godown Capacity[MT]

Public Transport Vehicle [Nos] Cold Storage [Nos]

Irrigation Potential Utilized (Gross Irrigated Area)

Irrigation Potential Created Threshers/Cutters [Nos]Krishi Vigyan

Kendras[Nos]

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

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

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

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

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

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

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

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

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

Villages having Agriculture Power Supply Primary Health Centres Hospitals

Villages having Post Offices Primary Health Sub-Centres Hospital Beds

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

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

Villages Electrified Anganwadis Dispensaries

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

Rural Households Having source of drinking water Having independent

Workers engaged in Allied Agro-activities Literate

Other workers BPL

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

Of the above, Small/Marginal Farmers Population

Agricultural Labourers Scheduled Caste

Workers engaged in Household Industries Scheduled Tribe

Cropping Inensity [GCA/NSA] Total

6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE (In 000)

Cultivators Category

Net Sown Area <= 1 Ha

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

Area Cultivated More than Once >2 Ha

Cultivable Wasteland 5. DISTRIBUTION OF LAND HOLDING

Current FallowClassification of Holding

Holding Area

Other Fallow

Permanent Pasture and Grazing Land Availability of Ground

Water [Ham]

Net annual recharge Net annual draft

Land under Miscellaneous Tree Crops 863.05 520.32

Total Area Reported

Rainfall [in mm]Actual

Forest Land

Area Not Available for Cultivation & non agri Variation from Normal

No. of Villages (Inhabited)Soil Type

Well drained light textured loose, fiable sandy - loam or sandy loam

soil is found in all the 6 blocks of the district. No. of Panchayats

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

Total Geographical Area (Sq.km)Agro-climatic Zone The Devbhoomi Dwarka district comes under ACRP Region No 13 (6)

No. of Sub Divisions

No. of Blocks Climate Moderate climate with average annual rainfall of 600 mm

District Profile

Devbhoomi Dwarka State - Gujarat Saurashtra1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE

PLP 2016-17

District: Devbhoomi Dwarka

9

District - State

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

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

Commercial Banks 9 39 12 27 NA NA NA NA NA

Regional Rural Bank 1 20 15 5 NA NA NA NA NA

District Central Coop.

Bank1 13 6 7 NA NA NA NA NA

Coop. Agr. & Rural

Dev. Bank1 4 4 NA NA NA NA NA

Primary Agr. Coop.

Society326 326 319 7 NA NA NA NA NA

Others (Pvt sector) 4 8 1 7 NA NA NA NA NA

All Agencies 342 410 353 57 NA NA NA NA NA

2 Deposits

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

Commercial BanksNA NA NA NA NA NA

15921670 1968642724 78.49

Regional Rural Bank NA NA NA NA NA NA 2373474 2934700 24 11.70

Cooperative Banks NA NA NA NA NA NA 758955 822584 8 3.28

Others NA NA NA NA NA NA 1173425 1637052 40 6.53

All AgenciesNA NA NA NA NA NA 20227524 25080763

24 100.00

3. LOANS & ADVANCES OUTSTANDING

31-Mar-12 31-Mar-13 31-Mar-14 Growth(%) Share(%) 31-Mar-12 31-Mar-14 31-Mar-15 Growth(%) Share(%)

Commercial Banks NA NA NA NA NA NA 3655999 4311938 18 56.76

Regional Rural Bank NA NA NA NA NA NA 1432700 1383000 -3 18.20

Cooperative Banks NA NA NA NA NA NA 924606 1093830 18 14.40

Others NA NA NA NA NA NA 1066372 808200 -24 10.64

All AgenciesNA NA NA NA NA NA 7079677

75969687 100.00

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

Commercial Banks NA NA 22.51 NA NA NA NA

Regional Rural Bank NA NA 47.13 NA NA NA NA

Cooperative BanksNA NA 129.96 NA NA NA NA

OthersNA NA 84 NA NA NA NA

All Agencies NA NA 30.29 NA NA NA NA

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

Commercial Banks 2883966 47.24 2585328 45.10 NA NA 24847 99.53 NA NARegional Rural Bank 1322387 21.66 1313557 22.92 NA NA NA NA NA NACooperative Banks 1748217 28.64 1737540 30.31 NA NA 117 0.47 NA NAOthers 149849 2.45 95469 1.67 NA NA NA NA NA NAAll Agencies 6104419 100.00 5731894 100.00 NA NA 24964 100.00 NA NA7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

Commercial Banks NA NA NA 2651140 3253453 122.72 3236400 2883966 89.11 NA

Regional Rural Bank NA NA NA 1627966 1381500 84.86 1673600 1322387 79.01 NACooperative Banks NA NA NA 1273993 944643 74.15 1501700 1748217 116.42 NAOthers NA NA NA 216272 379357 175.41 267300 149849 56.06 NAAll Agencies NA NA NA 5769371 5958953 103.29 6679000 6104419 91.40 NA

Crop Loan NA NA NA 4527928 3849294 85.01 5315768 5569401 104.77 NATerm Loan (Agr) NA NA NA 616875 1175097 190.49 513926 162493 31.62 NATotal Agri. Credit NA NA NA 5144803 5024391 97.66 5829694 5731894 98.32 NANon-Farm Sector NA NA NA 180830 554808 306.81 284797 219269 76.99 NAOther Priority Sector NA NA NA 443738 379754 85.58 564250 153256 27.16 NATotal Priority Sector 5769371 5958953 103.29 12508435 6104419 48.80 NA

Sources : Lead Bank returns & SLBC

8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

Broad Sector

2012-13 2013-14 2014-15

Banking Profile

Average

Ach[%] in

last 3 years

Ach'ment [Rs.

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

Agency

2013-14 2014-15

Target

[Rs.'000]

Ach'ment

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

Ach'ment [Rs.

'000]

Ach'ment [Rs.

'000]Ach'ment [%]

Target

[Rs.'000]

Average

Ach[%] in

last 3 years

Target

[Rs.'000]

Ach'ment

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

Target

[Rs.'000]

Ach'ment [Rs.

'000]Ach'ment [%]

2012-13

Agency

Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections

Amount

[Rs.'000] % of Total Loans

Loans to Women

Amount

[Rs.'000]

% of Total

Loans

All Agencies

Amount

[Rs.'000] % of Total LoansAmount

[Rs.'000]

% of Total

Loans

Amount

[Rs.'000]

% of Total

Loans

Cooperative Banks

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

No. of accounts

AgencyDuring 2014-15 Cumulative

Others

Loans under DRI Scheme

Agency

Amount of Deposit [Rs in 000]

Per Branch OutreachNo. of

Banks/Soc.

No. of Branches No. of non-formal agencies assoiated

Commercial Banks

Regional Rural Bank

Gujarat Lead Bank - Dena Bank

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

AgencyCD Ratio

Devbhoomi Dwarka