EXECUTIVE SUMMARY Introduction - NABARD SUMMARY Introduction ... Financial Literacy Centres for dissemination of information and spreading financial ... Under Financial Inclusion, ...

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  • State Focus Paper 2016-17

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    EXECUTIVE SUMMARY

    Introduction NABARD, as an apex level developmental financial institution, is intensely associated, inter alia,

    in the decentralized planning process with the preparation of potential based credit plan both at the district and state level on annual basis. At the state level, State Focus Paper is prepared which presents an aggregation of the district level projections made in the annual Potential Linked Plans (PLP). The basic objective of such planning exercise is to assess the credit potential keeping in view the sector specific physical potential, infrastructure support, forward and backward linkages, local skills and natural resources and credit absorption capacity of the sector. The credit projection is also fine tuned by factoring in the priorities and the policies of the GoI, State Govt. and the RBI. Keeping in view the importance of capital formation in enhancing production and productivity of the agriculture sector, the State Focus Paper: 2016-17 has adopted the theme Accelerating the Pace of Capital Formation in Agriculture and Allied Sector in Assam.

    Private sector constitutes almost 80 per cent of the capital formation in agriculture. Investment Credit has emerged as the major driver thereby emphasizing the role of Banks to boost farm level investments. Accordingly, special emphasis has been given on identifying critical infrastructure gaps, constraints relating to infrastructure and other support services that hinder the flow of ground level credit.

    Assam- Important Features Assam, the gateway to North East India, is the largest state in the North-East with a geographical

    area of 78,438 sq.km. The State has 27 districts, 56 Sub Divisions, 219 blocks, 26395 inhabited villages, 382 (Agriculture Development Officer) Circles and 2948 Village Level Extension Workers (VLEWs). The State has a three-tier system of Panchayats.

    As per Census of India 2011, the population of Assam is 3.12 crore with a density of 398 population per sq. km. The rural and urban population of the State is 268.07 lakh (85.90%) and 43.98 lakh (14.10%) respectively. Male population is 159.39 lakh (51.19%) and female population is 152.66 lakh (48.81%).

    Assam is basically an agrarian economy as it provides employment to about 53% of the rural population. It is the main source of livelihoods for the majority of the people in rural areas. The total workforce of the State as per 2011 census was 120 lakh, constituting 38% of the total population. Of these, 87 lakh were main workforce and 33 lakh marginal workers. Cultivators and agricultural labourers were 9 lakh and 2 lakh respectively.

    As per Agricultural Census 2010-11, there were 27.20 lakh operational holdings in the State covering an area of about 29.99 lakh ha. The marginal holdings with less than 1 ha of land accounted for 67% of total holdings and 25.80% of the total area of operation in the State. The small holdings between 1 to 2 ha constituted 18.25% of the total holdings and 22.91% of the total operational area. On the other hand, the large land holdings (10 ha and above) constituted 0.15% of the total number of holdings and 9.10% of the total operated area in the State. The remaining operational holdings and area of operation were under Semi Medium (2 to 4 ha) and Medium (4 to 10 ha).

    Agricultural Scenerio in the State Net area sown in the State stood at 28.1 lakh ha out of which 6.47 lakh ha, constituting 23.04%

    of net cropped area, was under irrigation. The cropping intensity in the State is 148%. The gross irrigation potential has been estimated at 27 lakh ha which is 67.5% of gross cropped area. Out of this, 10 lakh ha is proposed to be covered through minor irrigation project from ground water, 7 lakh ha through minor irrigation project from surface water and 10 lakh ha is proposed to be irrigated through major and medium irrigation project from surface water.

    The State is divided into 6 Agro Climatic Zones (Lower Brahmaputra Valley Zone comprising 10 districts, North Bank Plain Zone comprising 5 districts, Central Brahmaputra Valley Zone comprising 2 districts, Upper Brahmaputra Valley Zone comprising 5 districts, Barak Valley Zone comprising 3 districts and Hill Zone comprising 2 districts). Paddy, pulses and oil seeds are the major food crops. Major fruits grown in the State are banana, pineapple, papaya, orange, Assam lemon and jackfruit. Amongst plantation crops, tea commands the most important place in the State. Vegetable is grown in 3.65 lakh ha.

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    Banking Scenario

    As on 31 March 2015, the State was served by a network of 2147 branches of 34 Commercial Banks (CBs), 2 Regional Rural Banks and the State Cooperative Bank, up from 2049 branches as on 31 March 2014. The per branch population on that date stood at 14534 (Census of India 2011), as against 15212 as on 31 March 2014.

    State Bank of India is the Convener of the State Level Bankers Committee (SLBC) and is also the Lead Bank in 6 districts of the State. Two other banks viz. United Bank of India and UCO Bank have Lead Bank responsibilities in 12 and 9 districts respectively.

    As on 31 March 2015, the aggregate deposits of all banks operating in the State stood at `100833.99 crore, registering a growth of 16% over 2013-14. During the year 2014-15, the major share of deposits had been garnered by the CBs (90%) followed by RRBs (8%). The market share of ACAB was a meagre 2%.

    As against the target of `10012 crore under the Annual Credit Plan for the year 2014-15, an amount of `6128 crore was disbursed, recording an achievement of 61%. The disbursement, however, recorded a negative growth of 5.34% over the previous year.

    CD Ratio of all banks in the State stood at 42.79% as on 31 March 2015, much lower than the prescribed norm of 60%. The inter-bank variations are high and as many as 22 banks operating in the state had CDR below 40%. Further, 11 districts in the State had CD Ratio less than 40% as on 31 March 2015.

    NABARD Initiatives & Related Developmental and Promotional Supports in the State NABARD provides refinance for crop loans at concessional rate of interest to State Cooperative

    Banks (StCBs) and Regional Rural Banks (RRBs), which was `97.06 crore during 2014-15. The interest subvention and interest incentive scheme for Short Term crop loan is continuing during 2015-16.

    NABARDs total refinance amount under Short Term and Investment Credit was `343 crore during 2014-15. Refinance under Investment Credit to banks was `246 crore during 2014-15 while short term refinance credit was `97 crore. Banks may focus on the potential term lending opportunities viz. livestock, fisheries, horticulture, spices & condiments, micro irrigation, agro & food processing, etc. for increasing credit flow under investment credit in Assam.

    Long Term Rural Credit Fund, set up with an initial corpus of ` 5,000 crore with NABARD for the purpose of providing refinance support to Cooperative Banks and Regional Rural Banks for financing long term agriculture projects for accelerating capital formation in agriculture and allied sector was allocated. The fund was augmented with an additional amount of `15000 crore during the year 2015-16.

    In Assam, SHG-Bank Linkage Programme is being implemented in all the 27 districts of the State. As on 31 March 2015, the cumulative number of savings linked SHGs was 3.19 lakh and credit linked SHGs was about 2.49 lakh. During 2014-15, 9174 JLGs have also been formed and financed, taking the cumultive number of JLGs promoted in the State to 30828 involving a loan of ` 244.94 crore. Micro Enterprise Development Programmes (MEDPs), Capacity building training programmes for members of SHGs, and various stakeholders are given thrust.

    Inclusive participation from all strata of the society along with the benefits of efficient payment mechanism, access to credit and cost efficient products is essential to empower the currently unbanked population to participate and drive the growth of the economy. As per Census 2011, there were 26395 villages in the state, of which 24540 villages have been allotted to various banks. During 2014-15, 167 Financial Literacy camps were conducted all over the state covering about 13133 participants through road shows and distribution of publicity material, thus spreading the message among the rural masses on benefits of having a bank account. NABARD provided grant support for printing of Financial Literacy material to SLBC. As on 30 November 2015, the Lead Banks in the State viz. SBI, UBI and UCO Bank have set up 27 Financial Literacy Centres for dissemination of information and spreading financial literacy amongst the masses.

    Under Financial Inclusion, support is provided under Financial Inclusion Fund (FIF) for Switching Fee and Interchange/ Transaction Charges for KCC transactions only on an ATM other than the parent bank. In addition, the Cooperative Banks are provided with add-on support for installation of ATMs and data migration/feeding of PACS data to CBS platform. FITF also

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    supports schemes to cater to the requirements of the rural people and creates awareness of the different banking options available for them. The scheme also includes demonstration of Banking Technology through Mobile Van to rural masses.

    NABARD has been closely associated with the implementation of a comprehensive Tribal Development Programme through Wadi approach. For this purpose, NABARD has created a dedicated fund called Tribal Development Fund(TDF). In all 6 projects have been sanctioned under TDF in the State with total financial assistance of 1166.69 lakh covering 2800 tribal families. Of these, 3 projects are currently being implemented with 2 NGOs as Project Implenting Agencies involving financial assistance to the tune of ` 6.68 crore. The projects covers 1400 families in 5(five) districts with rubber plantation, orange, pineapple, mango, cashew, bamboo and other livelihood activities.

    NABARD has set up the Farm Sector Promotion Fund (FSPF) to promote technology transfer and innovations in the field of Agriculture and Allied Sectors. Grant assistance is made available to address the need of farmers for transfer of technologies as well as to facilitate promotion of commercial operations including market-linkages, formation of Producers Organisations, Federation of Farmers' Clubs, exposure visits, etc.

    To augment the efforts of the State Govt. in strengthening the rural infrastructure in the State, NABARD has sanctioned cumulatively `3930.22 crore under RIDF for various infrastructure projects such as roads and bridges, irrigation, flood control structures, soil conservation, animal husbandry, fisheries, Small Hydel Projects, Handloom Development and sericulture, marketing infrastructure, etc. During the current financial year (as on 31.12.2015), the State Government has drawn `248.85 crore for implementation of sanctioned RIDF projects.

    Infrastructure projects which required to be taken up on priority basis are also assesed in the PLPs for each districts. Preparation of Infrastructure Master Plan for each District to identify and bridge infrastructure requirements/gaps in rural connectivity, water resources, power, and other infrastructure required for agriculture and social sectors. Provision of infrastructure facilities like electricity, cold storage, processing units, marketing infrastructure, etc. for Horticulture produce. Construction of Veterinary Dispensaries / Cattle Breeding centres, Meat Processing Plants and Milk Chilling Plants have also been sanctioned.

    To supplement the resources for creation of rural infrastructure, NABARD has designed NABARD Infrastructure Development Assistance (NIDA) scheme as an off budget product for State Governments and other State owned Organisations with an aim to fund Rural Infrastructure creation by providing assistance outside of RIDF on flexible terms.

    In Union Budget for 2014-15, a separate fund namely Warehousing Infrastructure Fund(WIF) 2014-15 with a corpus of `5000 crore has been created for providing loans for creation of storage infrastructure including Warehouses, Silos, Cold Storage, controlled atmosphere stores, other cold chain infrastructures like pack houses, reefer vans, bulk coolers, individually quick frozen units, chilling/freezing infrastructure, etc.

    As an initiative, Producers Development and Upliftment Corpus (PRODUCE) with ` 200 crore has been set up to supplement NABARDs Producers Organization Development Fund for promoting 2,000 producers organizations across the country in two years, commencing 2014-15.

    Government of India (GoI) has accorded top priority for the development of the food processing industry. Accordingly, a Special Fund of `2000 crore is set up in NABARD to make available affordable credit to agro-processing units being designated as Food Parks. The Fund, designated as Food Processing Fund 2014-15, will be provided by NABARD either directly or through consortium arrangements with other financing agencies. State Governments, entities promoted by State / Central Governments, Joint ventures, Cooperatives, Federation of Cooperatives, SPVs, Farmers Producers Organizations, Corporates, Companies, Entrepreneurs, etc., may avail loan from this Fund for establishing the designated Food Parks and also for setting up of individual food/agro processing units in the designated Food Parks.

    A dedicated fund, named Off farm Sector Promotion Fund which has been

    operationalized from October 2014 has been created by merging Rural Innovation Fund (RIF),

    Rural Promotion Fund (RPF) and Rural Non-Farm Sector (RNFS) for supporting innovations,

    promotional programmes, loan based activities in rural areas with focus on various Off Farm

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    Development activities, rural sanitation, housing, health, tourism, solar/bio energy, skill

    building, transportation, technology development, rural services etc.

    Area Based Schemes:

    Area based schemes for pre-dominant activities in the districts have been identified and incorporated in the PLPs for 2016-17. The focus is to give thrust to the identified sector/activity by enhancing term loan disbursements through an implementable banking plan.

    Implementation of area based schemes is a coordinated effort of DDM, NABARD Lead Bank, other Banks, line departments and other important stakeholders in respective districts.

    NABARD, Assam RO has prepared two banking plans with an investment outlay of `45.63 crore for Dairy Sector Development covering 06 districts viz. Golaghat, Jorhat, Nagaon, Dhemaji, Lakhimpur and Sonitpur with refinance support. Besides, two Dairy clusters are being promoted under Area Development Schemes in Barpeta and Dibrugarh.

    Credit Potential and Sector Wise Action Points: NABARD has been preparing the Potential Linked Credit Plan (PLP) for each district since 1989-

    90 with the objective of assessing the exploitable potential for credit dispensation under various sectors. This is a systematic and comprehensive exercise carried out by adopting participative and consultative approach involving all stakeholders in the field of agriculture and rural development.

    The District Credit Plans (DCP) are prepared each year on the basis of the Potential Linked Credit Plans prepared by NABARD. The sector-wise details of the potential available in different sectors (as indicated in the PLPs) are communicated to the LDMs and in turn to bank branches in the district. The branches, in turn, prepare branch credit plans which are aggregated to make block credit plans. This is aggregated by the LDM to prepare the DCP. The district plans are launched on 01 April of each year.

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    The aggregated sector wise PLP projections for the State for 2016-17 is given below :

    (` crore)

    Sr. No. Particulars Grand Total

    I Credit Potential for Agriculture

    A Farm Credit

    i Crop Production, Maintenance, Marketing 3841.94

    ii Water Resources 199.12

    iii Farm Mechanization 417.59

    iv Plantation & Horticulture 439.97

    v Forestry and Wasteland Development 45.33

    vi Animal Husbandry - Dairy 365.91

    vii Animal Husbandry - Poultry 363.14

    viii Animal Husbandry -Sheep/Goat/Piggery 312.13

    ix Fishery 141.98

    x Others 19.42

    Sub Total 6146.53

    B Agriculture Infrastructure

    i Storage Facilities 298.80

    ii Land Development, Soil Conservation, Watershed Development 53.67

    iii Others 27.76

    Sub Total 380.23

    C Ancillary Activities

    i Agro & Food Processing Sector 178.47

    ii Others 43.22

    Sub Total 221.68

    D Total Agriculture 6748.44

    II Micro, Small and Medium Enterprises

    MSME - Term Loan 2341.17

    MSME - Working Capital 448.03

    Total MSME 2789.20

    III Export Credit 235.40

    IV Education 364.62

    V Housing 1249.71

    VI Renewable Energy 110.00

    VII Others 484.05

    VIII Social Infrastructure 161.61

    Total Priority Sector for the district 12143.03

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    Major Action Points in various Sectors

    FARM CREDIT

    Crop Production, Maintenance and Marketing: Department of Agriculture to associate with the banks in identification of beneficiaries for

    implementation of KCC Scheme in the State and also increasing borrowers awareness so as to encourage them to take up rabi crops. State Government may give wide publicity about the scheme. KCC may include add on services like marketing of produce of farmers.

    Stamp duty exemption limit on agricultural loans may be enhanced to at least `1 lakh by the State Government.

    To facilitate the loaning process, computerisation of land records may be taken up on priority basis.

    Banks should conduct a study of inoperative accounts under KCC and come out with suggestions so as to make these accounts operative.

    Water Resources: To speed up creation of/revival of defunct Water Users Associations (WUAs) in command areas.

    Irrigation projects should be handed over to WUAs for effective management, operation and maintenance.

    Expansion of MI projects to uncovered areas so as to enable area expansion for crop cultivation and promotion of horticulture.

    Block-wise availability of ground and surface water needs to be assessed. Hydro-geological maps delineating and identifying geological/structural controls as also areas amenable to natural recharge with recommendations of cost effective design specifications for Ground Water Structures needs to be worked out.

    Banks to implment to CSS on Capital Subsidy Scheme to install 10,000 solar photovoltaic (spv) Water Pumping systems for irrigation purpose. Details scheme can be accessed from url:https://www.nabard.org/english/installation_of_solar.aspx

    Farm Mechanisation: Banks may promote and extend credit facilities to SHGs, JLGs, etc. for purchase of power tillers,

    tractors and other agriculture equipments.

    Rural unemployed youth may be imparted training in repair and servicing of farm machinery in institutes like CFMTTI, Sonitpur. Steps may be initiated for custom-hire of farm implements, community farming through SHGs with the help of the NGOs for introducing farm mechanisation. Similarly, Field Management Committees (FMCs) can be actively encouraged to adopt farm mechanisation.

    Plantation and Horticulture (including Sericulture): Non-availability of important and vital infrastructure facilities like electricity, cold storage,

    processing units, marketing infrastructure, etc. results in a large portion of horticulture produce is being lost. Provision of infrastructure facilities like electricity, cold storage, processing units, marketing infrastructure, etc.

    Supply of quality planting materials in time during the planting season through established nurseries. Promotion of suitable MAPs (patchouli, vetiver, citronellal lemongrass, sarpagandha, pippali/ long pepper, buch, brahmi, etc.) in Assam with involvement of RRL, AAU, NEDFi and processors.

    Bringing the beneficiaries of Technology Mission on Horticulture into the formal credit network. Formulate Area Development Schemes on important crops like orange, Assam lemon, jack fruit and Medicinal and Aromatic plants (MAPs) and implement banking plans.

    Muga Silk of Assam has been accorded GI status. Better extension facilities for adoption of modern technologies and scientific cultivation practices by the farmers. Supply of quality planting materials in time during the planting season through established nurseries.

    Banks to extend credit for financing muga rearing, reeling and weaving.

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    Forestry and Wasteland Development: Awareness and extension services need to be strengthened. Various schemes of the State Govt. /

    Department including Bamboo Mission for fuel wood plantation, cultivation of medicinal and aromatic plants, etc., to be given wider publicity. Efforts may be made to have proper coordination with NGOs, Farmers Clubs, Banks, etc.

    Organise Workshop / Seminar for creating awareness and promoting forestry in potential areas in association with Forest Department, local NGOs, etc.

    Due importance to the sector may be given and the same may be reflected in the District Annual Credit Plans and progress reviewed in the DCC, DLRC, SLBC meetings. Implementable Banking Plan for financing forestry activities may be prepared.

    Animal Husbandry - Development of Dairy, Poultry and Sheep/ Goat/ Piggery: Shifting of focus from veterinary healthcare to breed improvement on scientific lines to increase

    productivity

    In addition to breed improvement programmes, milk yield per cattle is to be monitored

    Animal husbandry being a significant source of supplementary income needs massive effort to fulfill the requirement of feed and fodder for such a large livestock population

    There is a need to set up at least one pig training cum production centre in each district.

    Emphasis may be given for financing POs/JLGs and women beneficiaries through Women SHGs and setting up of large commercial dairy units.

    Banks may actively participate under the Government of India centrally sponsored scheme on pig development, DEDS, Integrated development of small ruminants and rabbits and Poultry Venture capital fund (subsidy) scheme.

    Fisheries Development: Bankable models on various fishery schemes including Beel Fisheries and Ornamental Fisheries

    may be attempted by banks. Financial assistance through mode of KCC to be encouraged. Good working SHG/JLGs may be financed for taking up investment activities.

    Area Development Schemes indicating specifically a few villages having Concentration of ponds & tanks may be formed with the help of NABARD.

    Fish being land-based activity, agricultural land may be accepted by banks as collateral.

    Departments concerned with land development/flood control measures may include fisheries as one of the components to ensure integrated development of the area.

    There is a need for imparting training to local unemployed youths in pisciculture and in induced breeding for production of quality fish seed.

    There is a need for effective implementation of Assam Fish Seed Act, 2005.

    State government may plan for establishing infrastructure support like Opening/desiltation of intake canal of beels, ornamental fish hatcheries, fish jetties on the banks of river Brahmaputra, modern fishermen village with all the infrastructure like approach roads, etc., and renovation of existing water-bodies.

    Other Agriculture Term Loan: Other items of investments which require investment term loan like bullocks, bullock carts, etc. are crucial for taking the agenda of rural development forward in the absence of other faster means of transport or compatible roads. Banks may extend necessary financial assistance for the sector.

    Storage, Godown and Market Yards: There is a good potential for development of Agricultural Marketing Infrastructure with Private

    Sector Participation. Government may take suitable steps.

    Need for modernisation & up-gradation of existing infrastructure for accreditation and to provide finance against warehouse receipts

    Availability of better services namely weigh-bridge, testing, financing against stocks, delivery on commodity exchange platform to enable depositors to realise better price for their produce.

    Equipping warehouses with required infrastructure facilities for scientific storage.

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    Land Development:

    Banks may encourage financing vermi-compost / bio fertilizers activities and also finance schemes under CISS for organic farming.

    Soil Conservation and Agriculture Department may provide data / information on for restoring / improving the quality of soil for better productivity.

    Non-availability of permanent patta is hindering flow of bank finance in Karbi Anglong and Dima Hasao. The Autonomous District Councils, in consultation with the State Government, may arrange to allot permanent patta to the farmers and also provide valid marketable title deed in other areas too.

    Other Agriculture Infrastructure To realise the true potential of agriculture productivity in the state and to promote the use of modern technology, it is imperative to support the hi-tech enterprises that are coming up with the initiative of Agriculture graduates and other entrepreneurs in the field of seed production, tissue culture, production of vermi-compost and other bio-inputs, bio-technology units, etc. Banks may encourage such enterprises with necessary credit support.

    Agro & Food Processing There is vast scope of value adding agro-processing industries in the State. With expected

    surpluses in rice in the near future, establishment of modern rice mills will give a boost for export promotion. Besides, dal processing and oil extraction are two other fields which can benefit the State.

    Assam is also traditionally rich in production of horticulture crops like fruits, vegetables, spices, nuts, tuber crops and medicinal and aromatic plants. Horticulture crops occupy about 15% of the gross cultivated area and the growth rate of production has also been significant during the last decade. On the basis of per capita requirement, the State is marginally surplus both in fruits and vegetables. However, about 45% of the Horti-produce is either exported in raw forms to other States or is wasted due to lack of even primary post-harvest processing. There is a need to encourage value-addition to these crops to ensure greater returns to the farmers as well as economy.

    Ginger and turmeric occupy an important place in the States economy. There is a lot of potential for the processing of spices and condiments in the State. However, the state suffers due to lack of requisite infrastructure.

    Other Ancillary Activities Loans to Cooperatives Societies of farmers for disposing of their produce, Agri-clinic/ Agri-business Centres (ACABC), Loans to PACS/ FSS/ LAMPS, Loans to MFIs for on-lending to agriculture are some of the activities which need to be part of the banks credit plan in order to support the primary activities in the rural sector.

    MSME Sector: Basic infrastructure for industries along with water, electricity, roads, communication may be

    provided. Erratic power supply is one of the constraints. Efforts may be made to improve the power supply.

    Good potential exists for wood based industries like cane & bamboo products, furniture, building materials, etc. Farmers particularly small and marginal farmers to be encouraged to grow fast growing trees on marginal/degraded land for meeting raw materials with inputs including credit, technical advice, harvesting and transport services. Government may also encourage import of wood for wood based industries with suitable fiscal incentives.

    Need for a series of measures to give a boost to rural tourism by promoting tourist spots. People in the villages are to be made partners and owners in this endeavor. SHGs, artisans and rural youth to be involved.

    Adequate credit flow is to be ensured to MSE Sector. Banks may effectively operationalised RSETIs sponsored by them.

    Banks are mandated not to accept collateral security in the case of loans upto `10 lakh extended to units in the MSE sector. Banks are also advised to extend collateral-free loans upto `10 lakh to all units financed under the Prime Minister Employment Generation Programme of KVIC.

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    Banks should set target for financing of rural artisans and small units as per the stipulated norms of RBI. Banks should also adhere to the margin and security norms stipulated by RBI and take the advantage of CGTMSE upto `50 lakh.

    District level marketing centres may be set up to provide marketing infrastructure for rural non- farm sector products.

    Export Credit Assam is flanked by neighbouring countries viz. Bangladesh, Bhutan, China, Nepal and Myanmar and its proximity to the large markets of the South-East Asian countries gives it an added advantage in terms of export potential. Kolkata could serve as the main trading hub/port and Guwahati as the satellite for Indias trade with China, Bhutan, Myanmar and Bangladesh.

    The principal commodities exported from Assam are Tea, Organic fruits and horticulture crops, silk yarn and fabrics, particularly Muga Silk and Eri. Cane and bamboo products, both decorative as well as utility items have a huge potential for export from the state.

    Education In Assam while only 72% of the total population is literate as per Census 2011. The female literacy

    level in the State is quite high at 66% and compares quite favorably with the female literacy level of

    65% at National Level. Although male literacy is 78%, it is slightly lower than the national average

    of 81%. There is a need to ensure financial support to students in pursuing professional or higher

    studies so as to tap the talent amongst the youth.

    Housing Guwahati had been selected under the Smart-City concept of the Government of India, under which there are enormous prospects for it to grow as a top-class city. The Atal Mission for Rejuvenation and Urban Transformation (AMRUT) scheme for Tier 2 and Tier 3 cities will also be launched along with smart city project. Under this scheme, Central Govt. will provide 30% of the overall cost, if the city has a population of more than 10 lakh; and 50% if under 10 lakh. Seven district towns in Assam have been selected under AMRUT.

    Housing activity is not in the mainstream, but it forms an important component of the State economy. Demand for credit for housing would grow multifold with the development of the towns as it is likely to be followed by development of social infrastructure like schools, colleges and hospitals in a big way. It also has enormous employment generation potential.

    Renewable Energy: Conventional sources of energy and fuels are decreasing day-by-day. Renewable sources of energy are going to play an increasingly important role in future as the country is starved of fossil fuels. The various sources of renewable energy include wind energy, solar energy, bio-fuel/ bio-diesel, mini and micro hydel projects, agriculture waste utilization (bio mass) and biogas, tidal energy and geothermal energy. Assam has a lot of potential for Mini-Hydel projects and some of these investments can be explored in the private sector.

    Others The sector covers loans to individuals and their SHGs/JLGs, loans to distressed persons to prepay non-institutional lenders (other than farmers), overdraft facility under PMJDY and loans to state sponsored organizations for SC/ST, etc. Banks may incorporate these credit requirements in their lending plans.

    Social Infrastructure The growth of smart cities and Urban Hubs is likely to create a huge demand for social infrastructure

    like schools, colleges and hospitals etc. A direct relationship exists between water, sanitation etc.

    and human wellbeing. Consumption of contaminated drinking water, lack of personal and food

    hygiene and improper disposal of solid and liquid waste are the major causes of disease outbreaks

    in our country. Thus, there exists a lot of potential for creation of infrastructure in the health and

    education sector through private investments. It is an opportunity for the banks.

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    DISTRICT-WISE MAP OF ASSAM

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    78438 Agro-climatic Zone

    56

    219

    26395

    2202 Normal Actual 2011 2012 2013

    1567 2152 1707

    7850005 (-)32 (-)6.27 (-)26.15

    1935173 Balance

    2625545 2214199

    159968

    195840 Holding Area

    76631 Nos. % to Total ha. % to Total

    78582 1831 67 775 26

    49582 497 18 687 23

    2810597 303 11 818 27

    4159977 85 3 437 15

    1349380 4 0 282 9

    1.48 2720 2999

    3138.55 Total Male Female Rural Urban

    923.07 31206 15939 15266 26807 4398

    942.05 2231 1145 1086

    249.25 3884 1957 1927

    19507 10756 8750 15988 3518

    4403.20 9979 9080 899

    6406.47 2370

    5420.88 3524 4164

    31.98 3691

    22587 33754 346

    975 22

    4013 4609 11459

    975 216

    548

    2700000.00 3110

    851971.00

    161398.00

    179887.00 735 405

    6919.00 22700

    4776.31 2458

    94354.93 26

    188615.00

    No of units Cap.[MT]

    1616Area (000

    ha)

    Prod (000

    tonnes)Area (000 ha)

    Prod (000

    tonnes)

    2488 5128 2503 5193 2101

    84 34 44 31 40 1292

    24 21 24 77 3199

    142 84 150 88 589

    29 1028 29 1075 36969

    65 558 70 717 1849

    Category of animal Total Male Female 500

    Cattle - Cross bred 395.90 76.33 319.57 739

    Cattle - Indigenous 9911.70 4216.41 5695.29 33

    Buffaloes 435.26 171.42 263.84

    Sheep - indigenous 508.58 196.61 311.97

    Sheep cross bred 9.48 4.58 4.90

    Goat 6169.19 2600.75 3568.44

    Pig - Cross bred 613.67 334.20 279.47

    Pig - Indigenous 1022.35 528.91 493.44 Fish 266700

    Horse/Donkey/Camel 16.02 11.00 5.02 Egg 472

    Poultry - Cross bred/Broiler 1015.28 na na Milk 857

    Poultry - Backyard 9675.93 3545.73 6130.21 Meat 38.34

    SLBC

    State Profile

    State - Assam

    1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE

    Total Geographical Area (Sq.km) Brahmaputra Valley, Barak Plain and Mikir/Cachar

    No. of Sub Divisions Climate Hot and Humid

    No. of Blocks Soil Type New Alluvium,old alluvium red loam and laterits

    No. of Villages (Inhabited) 4. RAINFALL & GROUND WATER

    No. of Panchayats

    Rainfall [in mm]3. LAND UTILISATION [ha]

    Total Area Reported Variation from Normal

    Forest Land Availability of

    Ground Water [Ham]

    Net annual recharge Net annual draft

    Area Not Available for Cultivation 2578534 349440

    Permanent Pasture and Grazing Land 5. DISTRIBUTION OF LAND HOLDING

    Land under Miscellaneous Tree CropsClassification of Holding

    Cultivable Wasteland

    Current Fallow 1 to 2 to 5 to 10 ha

    Cropping Inensity [GCA/NSA] Total

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

    Cultivators Category

    Of the above, Small/Marginal Cultivators Population

    Agricultural Labourers Scheduled Caste

    Workers engaged in Household Industries Scheduled Tribe

    Workers engaged in Allied Agro-activities Literate

    Other workers BPL

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

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

    Rural Households Having source of drinking water Having independent toilets

    BPL Households (in %) Having access to banking services Having radio/TV sets

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

    Villages Electrified Anganwadis Dispensaries

    Villages having Agriculture Power Supply Primary Health Centres Hospitals

    Villages having Post Offices Primary Health Sub-Centres Hospital Beds

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

    Villages having Primary SchoolsFertiliser/Seed/Pesticide Outlets

    [Nos]Agriculture Pumpsets[Nos]

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

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

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

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

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

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

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

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

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

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

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

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

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

    Type of Processing Activity

    Crop

    2012-13 2013-14Avg. Yield

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

    Sugarcane (Gur/Khandsari/Sugar) Rice

    Fruit (Pulp/Juice/Fruit drink) Wheat

    Spices (Masala Powders/Pastes) Maiza

    Dry-fruit (Cashew/Almond/Raisins) Pulses

    Cotton (Ginnining/Spinning/Weaving) Sugarcane

    Milk (Chilling/Cooling/Processing) Jute *

    Meat (Chicken/Mutton/Pork/Dry fish)

    Animal feed (Cattle/Poultry/Fishmeal) * Production in '000 Bales of 180 kg per bale

    17. ANIMAL POPULATION AS PER CENSUS 2012 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIESVeterinary Hospitals/Dispensaries

    [Nos]Animal Markets [Nos]

    Disease Diagnostic Centres

    [Nos]/Sub-CentresMilk Collection Centres [Nos]

    Artificial Insemination Centers [Nos] Fishermen Societies [Nos]

    Animal Breeding Farms [Nos] Fish seed farms [Nos]Animal Husbandry Tng Centres

    [Nos]Fish Markets [Nos]

    Dairy Cooperative Societies [Nos] Poultry hatcheries [Nos]

    Improved Fodder Farms [Nos] Slaughter houses [Nos]

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

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

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

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

    Production [000 Tonne] Per cap avail. [gm/day]

    Economic Survey, Assam 2014 & Statistical Handlbook 2014Source to be mentioned :

  • State Focus Paper 2016-17

    ASSAM

    23

    Total RuralSemi-

    urbanUrban

    mFIs/mF

    OsSHGs/JLGs BCs/BFs Villages Households

    Commercial Banks 34 1607 667 513 427 NA NA NA NA NA

    Regional Rural Bank 2 463 358 89 16 NA NA NA NA NA

    State Coop. Bank 1 67 18 20 29 NA NA NA NA NA

    Coop. Agr. & Rural Dev.

    BankNA NA NA NA NA

    Primary Agr. Coop. Society 2251 NA NA NA NA NA

    Urban Coop. Bank 2 10 10 NA NA NA NA NA

    All Agencies 2290 2147 1043 622 482 NA NA NA 12 2984

    31 Mar 13 31 Mar 14 31 Mar 15Growth

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

    Commercial Banks NA NA NA NA NA 68001.18 78274.5 91064.63 16.34 90.31

    Regional Rural Bank NA NA NA NA NA 5879.36 6961.07 7882.96 13.24 7.82

    Cooperative Banks NA NA NA NA NA 1469.51 1933.17 1886.4 -2.42 1.87

    Scheduled Urban Coop.

    BankNA NA NA NA NA

    All Agencies NA NA NA NA NA 75350.05 87168.74 100833.99 15.68 100.00

    31 Mar 13 31 Mar 14 31 Mar 15Growth

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

    Commercial Banks 1021055 1286892 1208381 -6.10 66.39 26380.40 29919.00 34498.79 15.31 87.45

    Regional Rural Bank 455615 510665 538703 5.49 29.59 3309.18 3890.15 4161.72 6.98 10.55

    Cooperative Banks 64812 69173 73172 5.78 4.02 485.39 688.82 787.33 14.30 2.00

    Scheduled Urban Coop.

    Bank- - - - - - - - - -

    All Agencies 1541482 1866730 1820256 -2.49 100.00 30174.97 34497.97 39447.84 14.35 100.00

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

    Commercial Banks 40.30 40.55 40.06 NA NA NA NA

    Regional Rural Bank 56.28 55.88 52.79 NA NA NA NA

    Cooperative Banks 33.03 35.63 41.74 NA NA NA NA

    Others - - - NA NA NA NA

    All Agencies 43.56 43.48 42.79 NA NA NA NA

    Commercial Banks 17440.33 76 6217.95 70 7370.56 77 60.38 100 2312.78 59

    Regional Rural Bank 3559.93 15 1619.07 18 2126.38 22 NIL - 1567.20 40

    Cooperative Banks 271.05 1 69.04 1 69.01 1 NIL NA 37.48 1

    Others 1716 7 972.31 - - - - - - -

    All Agencies 22987.58 53.28 8878.37 20.58 9565.95 41.61 60.38 - 3917.46 17.04

    Commercial Banks 5020.06 3965.25 78.99 8921.27 5629.16 63.10 7897.92 5185.48 65.66 69.25

    Regional Rural Bank 1215.73 617.56 50.80 1590.74 787.07 49.48 1857.77 861.43 46.37 48.88

    Cooperative Banks 180.94 54.85 30.31 158.95 57.96 36.46 256.06 81.03 31.64 32.81

    Others - - - - - - - - - -

    All Agencies 6416.73 4637.66 72.27 10670.96 6474.19 60.67 10011.75 6127.94 61.21 64.72

    Crop Loan 2516.00 908.28 36.10 2887.00 1460.02 50.57 3340.00 1599.75 47.90 44.86

    Term Loan (Agr) 1249.89 942.72 75.42 1677.00 1296.64 77.32 1836.00 892.85 48.63 67.12

    Total Agri. Credit 3765.89 1851.00 49.15 4564.00 2756.66 60.40 5176.00 2492.60 48.16 52.57

    MSE Sector 815.09 1035.41 127.03 3800.00 1773.60 46.67 2305.95 1630.97 70.73 81.48

    Other Priority Sector 1839.44 1751.24 95.21 2306.97 1943.93 84.26 2529.80 2004.38 79.23 86.23

    Total Priority Sector 6420.42 4637.65 72.23 10670.97 6474.19 60.67 10011.75 6127.95 61.21 64.70

    Commercial Banks 2625.22 1344.23 51.20 3500.32 2040.51 58 2471.33 1413.59 57.20 55.57

    Regional Rural Bank 621.28 436.82 70.31 781.34 560.50 72 878.19 638.06 72.66 71.57

    Cooperative Banks 160.33 115.50 72.04 43.06 24.93 58 45.67 3.53 7.73 45.89

    Others - - - - - - - - - -

    All Agencies 3406.83 1896.55 55.67 4324.72 2625.94 60.72 3395.19 2055.18 60.53 58.97

    Source to be mentioned : SLBC

    Banking Profile

    STATE ASSAM

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

    Agency

    No. of

    Banks/Soc

    .

    No. of BranchesNo. of non-formal agencies

    associatedPer Branch Outreach

    2. DEPOSITS OUTSTANDING

    Agency

    No. of accounts Amount of Deposit [Rs. In crore]

    3. LOANS & ADVANCES OUTSTANDING

    Agency

    No. of accounts Amount of Loan [Rs.crore ]

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

    AgencyCD Ratio

    AgencyDuring 2014-15 Cumulative

    Commercial Banks

    Regional Rural Bank

    Cooperative Banks

    Others

    All Agencies

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

    Agency

    Priority Sector Loans Loans to Agr. SectorLoans to Weaker

    Sections

    Loans under DRI

    SchemeLoans to Women

    Amount

    [Rs.cr]

    % of Total

    Loans

    Amount

    [Rs.cr]

    % of Total

    Loans

    Amount

    [Rs.cr]

    % of Total

    Loans

    Amount

    [Rs.cr]

    % of Total

    Loans

    Amount

    [Rs.cr]

    % of Total

    Loans

    7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

    Agency

    2012-13 2013-14 2014-15 Average

    Ach[%] in

    last 3 yearsTarget

    [Rs.cr]

    Ach'ment

    [Rs. cr]

    Ach'ment

    [%]

    Target

    [Rs.cr]

    Ach'ment

    [Rs.cr]

    Ach'ment

    [%]

    Target

    [Rs.cr]

    Ach'ment

    [Rs.cr]

    Ach'ment

    [%]

    8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

    Broad Sector

    2012-13 2013-14 2014-15 Average

    Ach[%] in

    last 3 yearsTarget

    [Rscr]

    Ach'ment

    [Rs. cr]

    Ach'ment

    [%]

    Target

    [Rs.cr]

    Ach'ment

    [Rs.cr]

    9. RECOVERY POSITION

    Agency

    2012-13 2013-14 2014-15 Average

    Rec. [%] in

    last 3 yearsDemand

    [Rs. cr]

    Recovery

    [Rs. cr]

    Recovery

    [%]

    Demand

    [Rs. cr]

    Recovery

    [Rs. cr]

    Recovery

    [%]

    Demand

    [Rs. cr]

    Recovery

    [Rs. cr]

    Recovery

    [%]

    Ach'ment

    [%]

    Target

    [Rs.cr]

    Ach'ment

    [Rs.cr]

    Ach'ment

    [%]

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