chapter iii profile of the study area...
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CHAPTER III
PROFILE OF THE STUDY AREA
TIRUNELVELI DISTRICT
This chapter deals with the profile of the study area such as its location,
administration set up, demographic features, main occupation, climate and rainfall,
its industries and infrastructure facilities such as educational and financial
institutions in the area. It is very essential and important to know about the
background and its plight of the study area on various aspects to better understand
the problem, framing of interview schedules and better cognizance of the findings of
the research and its ‘cause and effect’ relationship. Further, it elucidates the plight of
the inhabitants in Tirunelveli District in terms of Average monthly income,
livelihood and extent of credit delivery.
The Tirunelveli district has derived its name from the Tamil words
TIRUNELVELI relating to green paddy fields and the Lord Nellaiappar Temple.
Tirunelveli means a glorious paddy hedge. The green paddy fields fed by the
perennial Tamiraparani River and the tall palm groves add a verdant dimension to
the landscape of Tirunelveli district. Tirunelveli is around 2000 years old with an
eventful past and rich tradition. Down south of Madurai, lie the twin towns
Tirunelveli and Palayamkottai, known as the Oxford of the South considering their
academic advancement and achievements.
Geography
The district was established in the year 1790 and it was bifurcated into
Thoothukudi and Tirunelveli districts in 1986. The district is blessed with the
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perennial river Tamiraparani. It is also known for its places of tourist importance:
the famous Courtallam falls, Nellaiappar Temple, Sankarankovil, Papanasam and
Tenkasi temples, Manimuthar and Papanasam dams, the famous tiger and wild life
sanctuary of Mundanthurai forest. The district is also popular for the traditional
handicrafts like Pathamadai Mats. The Tirunelveli ‘Halwa’ (a sweet made of wheat,
sugar and ghee) is internationally famous.
The Tirunelveli district which covers an area of 6823 sq.kms in the
southeastern portion of Tamil Nadu is triangular in shape. It is located in the world
map, between 080, 05’ and 090 30’ latitude and 770 05’ and 770 25’ of the eastern
longitude. This district is located in the southern part of Tamil Nadu and surrounded
by Virudhunagar district on the north, Thoothukudi district on the east,
Kanyakumari district on the south and the Western Ghats on the west. Tirunelveli
has its own individuality from paddy to culture.
3.1 ADMINISTRATIVE SET UP
This district is having three revenue divisions comprising 11 taluks, 19
development blocks, 628 revenue villages, a municipal corporation and 425 village
panchayats.
90
REVENUE DIVISION 3
TIRUNELVELI CHERMADEVI TENKASI
TenkasiShencottaiSivagiriVeerakeralampudurAlangulam
Ambasamudram
Radhapuram
Nanguneri
Tirunelveli
Palayamkottai
Sankarankoil
CORPORATION
TenkasiShencottai
TIRUNELVELI
MUNICIPALITIES
Sankarankoil Puliyangudi
Kadayanallur
DEVELOPMENT BLOCKS 19
Ambasamudram Kadayam Chermadevi Pappakudi Kalakad Nanguneri Radhapuram Valliyoor
Palayamkottai
Manu
Melanelithanallur
Sankarankoil
Kuruvikulam
TenkasiShencottaiKadayanallur VasudevanallurKeelapavoorAlangulam
Figure 3.1
Administrative set up of Tirunelveli District
TALUKS - 11
91
Figure 3.2
Tirunelveli District Block Wise Map
3.2 DEMOGRAPHIC CHARACTERISTICS
According to the 2001 census of the Government of India, the population
features of Tirunelveli district are as follows:
92
Table 3.1
Census 2001 – Tirunelveli District
RURAL URBAN TOTAL
Total Population 1415742 1308246 2723988
Male Population 645142 688797 1333939
Female Population 726945 663104 1390049
Sex Ration 1055 1028 1042
Area 5900.98 909.02 6810.00
Density 239.92 1439.18 400
Total Children (Age 0-6) 172659 147516 320175
Male Children (Age 0-6) 88121 75503 163624
Female Children (Age 0-6) 84538 72013 156551
Child Sex Ratio (Age 0-6) 959 954 957
Total Scheduled Castes 294885 186167 481052
Male Scheduled Castes 142786 90819 233605
Female Scheduled Castes 152099 95348 247447
Sex Ratio SC 1065 1050 1059
Total Scheduled Tribes 3202 5156 8358
Female Scheduled Tribes 1628 2650 4278
Male Scheduled Tribes 1574 2506 4080
Sex Ratio ST 1034 1057 1049
Total Literates 891282 93772 1829064
Male Literates 490721 506557 997278
Female Literates 400561 431225 831786
Literacy Rate 71.7 80.79 76.09
Total Illiterates 524460 370464 894924
Male Illiterates 198076 138585 336661
Female Illiterates 326384 231879 558263
Illiteracy Rate 28.3 19.21 23.91
Source: India Census 2001.
93
The table above shows that the total population of Tirunelveli district was
27, 23,988. The density of population per square km. was 400 and the literacy rate
was 76.09 per cent.
3.3 MAIN OCCUPATION
Agriculture is the most important sector of the economy of the district. The
major food crops are paddy, cholam ragi, cumbu and some minor millets. The
commercial crops are cotton, chillies, sugarcane, banana and groundnut.
Climate and Rainfall
This district has an equable climate and receives rainfall adequately. The
maximum is contributed by the north east monsoon (20 per cent) and during summer
showers (20 per cent).
Rivers in Tirunelveli
Tamiraparani is the major perennial river of the district. The other streams
which are seasonal in nature include Servallar, Manimuthar, Ramanathi, Pachayar,
Chittar and Uppodai rivers.
Forest and Fauna
The total area of the forest of the district is 1, 22,055 ha. of which 81700
ha. Come under Mandanthurai and Kalakadu areas. The entire forest of the district
stretches along the Western Ghats. Various types of forests from luxuriant tropical
wet evergreen forests to southern thorn surub forest occur in the district. Owing to
its diverse geographical Factors, the forests in the district are technically classified
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as Southern hill top tropical evergreen forests, and West Coast tropical evergreen
forests.
3.4 INDUSTRY IN TIRUNELVELI
Tirunelveli district is industrially developing. The Government has
declared some talks as most backward. They are Radhapuram, Tenkasi, and
Sankarankoil. There are 25 medium and major industries such as cement, cotton,
yearn, calcium carbide, sugar, cotton yarn, calcium carbide, sugar, cotton seed oil,
printing paper and flour mills. In addition to these, there are about 14,389 small
scale industries registered in this district. The types of industries in this district are
mainly agro-based, chemical based, mineral based, taxtile based and metal
engineering. There are about 3,985 household units engaged in activities like
handloom, khadi, mat weaving, basket making, palm leaf products, palmirah
tapping, playgoer pottery, brick making, tiles making, carpentry, leather tanning,
metal and allied works, and handicrafts.
Tourist Spots
The famous courtallam water falls and Papansam Agsthiar falls attract
tourists and pilgrims. There is a wild life sanctuary at Mundanthurai and another in
Kalakad. Spotted deer, lion tailed monkeys, elephants and tigers are denizens of the
forest in this part of the country.
Religious Significance
The Nellaiappar temple at Tirunelveli, Gomathi Ambal temple at
Sankarankoil, and Kasi Viswanathar temple at Tenkasi are the landmarks of this
district signifying the Hindu ethos. Palayamkottai in Tirunelveli city has Christian
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missions’ institutions dating back to early 19th century. The Aatangarai Pallivasal
and Pottaepudur darghas are considered to be important sacred places for Muslims.
3.5 INFRASTRUCTURAL FACILITIES
Tirunelveli district has sound banking and other infrastructural facilities.
3.5.1 Transport
The district has a well-built transportation network. There are surfaced
roads covering 4,55,15 kms and unsurfaced roads covering 86,116 kms. About 247
kms are covered by railways. The length of road per 1000 sq.km area is 782.58 kms
and length of surfaced road per 1000 sq.kms of area is 653.23 kms.
3.5.2 Financial Institutions
The district has a sound banking structure catering to the needs of the
farming population in the district. The district is well served by 143 branches of
nationalized banks, 44 co-operative banks branches, 51 Pandian Grama Bank
branches, 33 private sector bank branches and more than 500 chit companies.
96
Table 3.2
List of category wise bank branches as on 31.03.2009 in
Tirunelveli District
S. No Public Sector Banks RuralSemi-
UrbanUrban Total
Panchayat
Allotted
1 State Bank of India 5 8 6 19 59
2 State Bank of Travancore - 3 2 5 5
3 Andhra Bank - - 1 1 -
4 Bank of Baroda - - 2 2 2
5 Bank of India - - 1 1 1
6 Canara Bank 6 11 8 25 44
7 Central Bank of India 2 3 3 8 12
8 Corporation Bank - - 3 3 3
9 Indian Bank 2 7 6 15 26
10 Indian Overseas Bank 24 15 13 52 103
11 Punjab National Bank 1 2 1 4 3
12 Syndicate Bank - - 1 1 -
13 UCO Bank 1 - 1 2 1
14 Union Bank of India - 2 2 4 1
15 Vijaya Bank - - 1 1 -
Sub Total 41 51 51 143 259
Private Sector Banks
1 ICICI Bank 7 1 1 9 11
2 City Union Bank - - 1 1 -
3 Federal Bank - - 1 1 -
4 Karur Vysya Bank - 2 1 3 -
5 Lakshmi Vilas Bank - 1 1 2 1
6 South Indian Bank - - 1 1 -
7 Tamil Nadu Mercantile Bank 7 6 1 14 9
8 Axis Bank - - 1 1 -
9 HDFC Bank - - 1 1
Sub Total 14 10 9 33 21
97
S. No Public Sector Banks RuralSemi-
UrbanUrban Total
Panchayat
Allotted
1 Pandyam Grama Bank 34 10 7 51 145
Co-operative Banks
1 TNCSARD 2 5 1 8 -
2 TCCB Ltd. 5 17 4 26 -
3 Urban Co-operative Bank - 5 5 10 -
Sub Total 7 27 10 44 -
Other Financial Institutions
1 Tamil Nadu Industiral Co-op
Bank
- - 1 1 -
2 Tamil Nadu Industrial Invest
Corporation
- - 1 1 -
Sub Total - - 2 2 -
Grand Total 96 98 79 273 425
Source: Annual Credit Plan 2009-10, Lead Bank- IOB, Tirunelveli
Table 3.3
Progress under Micro finance in India – Savings of SHGs with Banks
Agency wise Position as on 31 March 2008
(Amount in Rs. Lakh)
Name of the
Agency
Total Savings of SHGs
in the Banks as on 31
March 2008
Out of Total – under
SGSY & other
sponsored schemes
Out of Total –
Exclusive Women
SHGs
No. of
SHGs
Amount of
Savings
No. of
SHGs
Amount
of
Savings
No. of
SHGs
Amount of
Savings
Commercial
Banks28,10,750 2,07,773.45 7,65,775 52,702.08 22,38,228 1,71,186.85
Regional Rural
Banks13,86,838 1,16,648.83 3,57,004 21,083.45 11,79,138 1,02,942.46
Co-operative
Banks8,12,206 54,116.67 80,291 7,165.71 5,68,727 36,735.83
Total 50,09,994 3,78,538.94 12,03,070 80,951.23 39,86,093 3,10,865.13
Source: Status of Microfinance in India, 2007-08, NABARD
98
Table 3.4
Progress under Micro finance in India – Bank Loans disbursed to SHGs
Agency-wise Progress during the year 2007-08
(Amount in Rs. Lakh)
Name of the
Agency
SHGs loans disbursed
by Banks during the
year 2007-08
Out of Total – under
SGSY & other
sponsored schemes
Out of Total –
Exclusive Women
SHGs
No. of
SHGs
Amount of
Loans
No. of
SHGs
Amount of
Loans
No. of
SHGs
Amount of
Loans
Commercial
Banks7,35,119 5,40,390.35 1,60,674 1,10,370.27 6,17,860 4,72,128.54
Regional Rural
Banks3,27,650 2,65,184.14 64,678 59,770.54 3,09,691 2,20,470.25
Co-operative
Banks1,65,001 79,351.75 21,297 15,633.15 1,13,445 54,826.80
Total 12,27,770 8,84,926.24 2,46,649 1,85,773.96 10,40,996 7,47,425.59
Source: Status of Microfinance in India, 2007-08, NABARD
Table 3.5
Progress under Micro finance in India – Bank Loans Outstanding against
SHGs Agency-wise Position as on 31 March 2008
(Amount in Rs. Lakh)
Name of the
Agency
Total Outstanding
Loans of SHGs as on 31
March 2008
Out of Total – under
SGSY & other
sponsored schemes
Out of Total –
Exclusive Women
SHGs
No. of
SHGs
Amount of
O/S Loans
No. of
SHGs
Amount of
O/S Loans
No. of
SHGs
Amount of
O/S Loans
Commercial
Banks
23,78,847 11,47,546.99 6,38,283 3,22,592.29 19,87,385 9,30,025.16
Regional Rural
Banks
8,75,716 4,41,104.54 2,23,191 1,33,233.25 6,59,010 3,25,834.49
Co-operative
Banks
3,71,378 1,10,339.13 55,504 25,861.90 2,70,864 77,641.13
Total 36,25,941 16,99,990.66 9,16,978 4,81,687.44 29,17,259 13,33,560.78
Note: 1 lakh = 0.1 million
Source: Status of Microfinance in India, 2007-08, NABARD
99
3.5.3 Educational Institutions
Tirunelveli and Palayamkottai, the twin cities, are popularly known as the
“Oxford of South India”. All kinds of schools and colleges with an established
history have been functioning here. The numbers are tabulated below:
Table 3.6
Educational Institutions in Tirunelveli district
S. No Educational Institutions Number of Institutions
1 University 1
2 Arts and Science Colleges 21
3 Medical Colleges 2
4 Siddha Medical College 1
5 Engineering Colleges 12
6 Law College 1
7 Pre-primary Schools 201
8 Primary Schools 1521
9 Middle Schools 394
10 High Schools 114
11 Higher Secondary Schools 148
12 Teacher’s Training Institutes 6 Source: Annual Credit Plan 2009-2010, LeadBank-IOB, Tirunelveli District – Tamilnadu
Table 3.7
Households availing Banking Services in Tirunelveli District
CategoriesRural
Population
Urban
PopulationTotal
Total no of households 367607 294337 661944
Total no of households availing banking services 66377 88552 154929
Total no of households not availing banking services 301230 205785 507015
Source: Annual Credit Plan 2009-2010, LeadBank-IOB, Tirunelveli District – Tamilnadu
The above table presents the total number of house holds who are availing
banking services and the number of households not availing banking services.
Majority of the households are not availing the banking services though they may
need the banking services.
100
Table 3.8
Progress under Microfinance – Savings of SHGs with banks in Tamilnadu as
on 31 March 2008
Public sector commercial Banks (CBs)
(Amount Rs. in lakh)
Sl.
No.
Name of the
Bank
Total savings of SHGs in
the bank
Out of total-under SGSY
and other sponsored
schemes
Out of total SHGs-Exclusive
Women SHGs
No. of
SHGs
No. of
Members
Amount
of
savings
No. of
SHGs
No. of
Members
Amount
of savings
No. of
SHGs
No. of
Members
Amount
of savings
1 Allahabad
Bank131 1955.5 5.16 99 1377 3.06 127 1901 4.96
2 Andhra
Bank557 8355 76.01 21 315 2.69 557 8355 76.01
3 Bank of
Baroda5979 90373 146.01 1794 26840 43.89 5603 85567 136.57
4 Bank of
India10110 147670 453.15 883 15669 38.28 8494 137093 91.42
5 Bank of
Maharashtra 558 5449 33.15 326 5189 6.64 3386 39780 123.45
6 Canara
Bank73293 1259758 1991.11 32987 564420 711.59 68543 1256344 1841.18
7
Central
Bank of
India
10834 173121 796.15 375 5625 765.14 10834 173121 796.15
8 Corporation
Bank2202 29318 92.77 727 11613 47.25 2154 28639 86.79
9 Dena Bank 927 N.A. 8.90 927 N.A. 8.90 927 N.A. 8.90
10 Indian Bank 81171 1217356 8117.10 2564 38520 256.40 75489 1135520 7548.90
11
Indian
Overseas
Bank
64257 900241 10708.78 27676 385085 2782.74 62329 872610 10370.97
12
Oriental
Bank of
Commerce
134 2119 6.84 31 434 0.45 134 2119 6.84
13
Punjab
National
Bank
7539 N.A. 207.51 495 N.A. 69.27 6047 N.A. 160.83
14 State Bank
of India 142697 1502314 15023.14 35729 383172 3960.82 129612 1351876 16014.06
15 Syndicate
Bank11091 165449 294.03 1221 18102 39.07 10451 155327 193.64
16 UCO Bank 1917 34018 121.13 1370 21347 80.22 1672 16720 104.42
17 Union Bank
of India 10234 104386.8 267.03 0 0 0.00 9538 97288 268.18
18 Vijaya
Bank740 7840 63.05 205 2300 39.75 602 6850 52.40
Total 42437138411.02
107430 8856.1572 396499 37885.664
NA: Not reported / not available.
Source:Status of Micro Finance in India 2007- 08, NABARD
101
Ta
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102
Figure 3.3
Spatial Distribution of Women Self Help Groups
Note : TCDW - Tamilnadu Corporation for Development of Women Ltd
103
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78
192
47
97
62
8.8
2
14
Nam
akk
al
725
51
14
11
44
94
9.4
6
291
24
77
77
182
9.8
41
01
67
161
89
16
77
9.3
15
Nil
gir
is
328
85
12
22
107
2.6
3
52
85
73
38
109
4.6
681
61
08
56
02
16
7.2
16
Per
amb
alu
r 2
93
04
75
47
785
.93
457
657
21
17
.98
338
75
41
19
903
.91
17
Pu
duk
ko
ttai
8
33
81
42
20
91
45
70
.32
113
51
74
36
374
2.6
59
47
31
59
64
51
83
12
.97
104
Ta
ble
3.1
0 (
Co
nti
nu
ed)
S.N
o.
Dis
tric
t
RU
RA
LU
RB
AN
TO
TA
L
Gro
up
s fo
rmed
Wo
men
enro
lled
Sa
vin
gs
Rs.
in
la
kh
s
Gro
up
s
form
ed
Wo
men
enro
lled
Sa
vin
gs
Rs.
in
lak
hs
Gro
up
s
form
ed
Wo
men
enro
lled
Sa
vin
gs
Rs.
in
lak
hs
18
Ram
nad
7
21
01
15
42
36
70
4.0
61
60
62
47
91
126
6.9
58
81
61
40
21
47
97
1.0
1
19
Sal
em
105
37
165
27
64
42
6.9
66
60
89
88
92
264
1.5
91
71
45
264
16
87
06
8.5
5
20
Siv
agan
gai
7
97
01
27
84
83
55
8.5
21
69
02
70
40
186
2.5
89
66
01
54
88
85
42
1.1
21
Th
iruv
ann
amal
ai
126
15
211
62
64
06
82
04
73
46
98
583
146
62
246
32
44
65
1
22
Th
iru
nelv
eli
1
05
89
170
23
14
88
9.0
86
39
61
01
88
62
96
9.7
81
69
85
272
11
77
85
8.8
6
23
Th
anja
vu
r 1
28
73
205
17
65
92
8.3
83
30
05
23
78
101
1.3
81
61
73
257
55
46
93
9.7
6
24
Th
eni
587
39
13
14
249
5.0
53
96
06
31
22
185
5.7
99
83
31
54
43
64
35
0.8
4
25
Th
iruv
allu
r 9
39
81
46
83
15
13
2.3
45
24
98
52
13
175
5.7
81
46
47
232
04
46
88
8.1
2
26
Th
iruv
aru
r 8
35
41
33
36
03
67
5.8
11
24
01
85
44
484
.49
59
41
51
90
44
16
0.2
1
27
Th
oo
thuk
ud
i 9
94
51
61
14
15
89
9.9
63
84
25
98
63
197
2.4
81
37
87
221
00
47
87
2.4
4
28
Tri
chy
929
31
43
49
14
78
1.2
23
88
26
03
21
197
5.5
31
31
75
203
81
26
75
6.7
5
29
Vel
lore
1
20
53
211
82
02
99
2.8
62
10
53
26
71
214
.86
141
58
244
49
13
20
7.7
2
30
Vil
lup
ura
m
146
41
244
29
28
34
3.1
92
22
22
98
14
616
.26
168
63
274
10
68
95
9.4
5
31
Vir
ud
hu
nag
ar
833
41
32
25
34
29
9.4
62
29
13
52
38
108
2.5
91
06
25
167
49
15
38
2.0
5
TO
TA
L2
71
37
34
41
04
38
155
39
5.1
31
18
40
31
84
48
13
559
49
.75
389
77
66
25
52
51
211
34
4.8
8
So
urc
e: T
am
iln
ad
u C
orp
ora
tio
n f
or
Dev
elo
pm
ent
of
Wom
en L
td.
105
Sk
ills
Tra
inin
g a
nd
cap
aci
ty B
uil
din
g
Ta
ble
3.1
1
Dis
tric
t w
ise
nu
mb
er o
f S
HG
s ca
paci
ty B
uil
din
g T
rain
ing
att
end
ed
Sl.
No.
Na
me
of
Dis
tric
t
Sel
f H
elp
Gro
up
s tr
ain
ed
Natu
re o
f T
rain
ing
No. o
f
Sel
f H
elp
Gro
up
s
No. o
f p
erso
ns
Tra
ined
To
tal
SC
ST
Wo
men
1
Kan
chee
pura
m
15
169
99
7
136
Cat
erin
g, M
oto
r w
ind
ing
2
Tir
uv
allu
r 2
0
268
148
0
203
Tai
lori
ng
, ca
teri
ng
, fa
shio
n, dri
vin
g
3
Vel
lore
8
2
146
33
71
115
Co
mp
ute
r, E
lect
rici
an,
Fit
ter
4
Tir
uv
ann
amal
ai
24
60
20
35
90
Co
mp
ute
r, T
ailo
rin
g, D
riv
ing
5
Dh
arm
apu
ri
52
115
1
15
174
Tai
lori
ng
, R
exin
e le
ath
er, P
aper
pla
te
6
Kri
shn
agir
i 4
1
90
9
0
170
Tai
lori
ng
, R
exin
e le
ather
, P
aper
pla
te
7
Sal
em
120
359
0
359
359
Tai
lori
ng
, B
eau
tici
an,
Rex
ine,
Co
ir m
akin
g
8
Nam
akk
al
62
135
0
135
135
Tai
lori
ng
, B
eau
tici
an,
Rex
ine,
Co
ir m
akin
g
9
Ero
de
75
225
82
174
62
Tai
lori
ng
, C
om
pu
t, M
at
10
Co
imb
ato
re
84
170
65
170
129
Tai
lori
ng
, M
an.
of
Bag
s, T
ailo
rin
g,
Bak
ing, B
eau
tici
an
11
Nil
gir
is
56
127
70
62
65
Co
mp
ute
r, T
ailo
rin
g,
12
Cu
dd
alore
3
5
501
66
20
140
Can
dle
, ap
pal
am,
seaw
eed
/ C
rab c
ult
ure
, B
oo
k b
ind
ing,
Hort
icu
ltu
re,
Co
ir m
akin
g, H
erb
al P
rodu
cts,
Pal
m p
rodu
cts
and M
asonry
13
Vil
lupu
ram
2
0
257
50
10
85
App
alam
, Ja
m,
seaw
eed
/ C
rab c
ult
ure
, V
erm
i cu
lture
14
Th
anja
vu
r 1
58
585
87
45
283
Co
mp
ute
r, T
ailo
rin
g,
15
Nag
apat
tin
am
2
231
37
18
44
Lat
her
pro
du
cts
106
Ta
ble
3.1
1C
on
tin
ued
)
Sl.
No.
Na
me
of
Dis
tric
t
Sel
f H
elp
Gro
up
s tr
ain
ed
Natu
re o
f T
rain
ing
No. o
f
Sel
f H
elp
Gro
up
s
No. o
f p
erso
ns
Tra
ined
To
tal
SC
ST
Wo
men
16
Tir
uv
aru
r 5
4
150
15
12
28
Co
mp
ute
r, T
ailo
rin
g,
17
Tri
chy
52
130
25
1
122
Ter
raco
tta,
Gre
etin
g c
ard,
Rea
dy m
ade,
Ho
me
app
lian
ce
18
Per
amb
alu
r 4
7
101
31
1
36
Dri
vin
g
19
Pud
uko
ttai
3
4
87
43
0
82
Scr
een
Pri
nt,
Ho
me
Ap
p, N
ote
mak
ing
, T
able
mat
m
akin
g
20
Din
dig
ul
18
74
27
12
41
Tai
lori
ng
21
Kar
ur
11
37
21
8
21
Tai
lori
ng
22
Mad
ura
i 1
4
59
4
0
30
Co
mp
ute
r, T
ailo
rin
g,
To
ys
23
Th
eni
87
196
45
0
124
Co
mp
ute
r, T
ailo
rin
g,
To
ys
24
Ram
anad
1
9
49
5
10
39
Co
mp
ute
r
25
Vir
udhu
nag
ar
25
46
31
0
27
Co
mp
ute
r
26
Siv
agan
gai
2
4
55
9
0
54
Tai
lori
ng
27
Tir
un
elv
eli
132
314
9
27
259
Co
mp
ute
r, C
oir
, F
ish
erie
s, H
on
ey
28
Tu
tico
rin
114
148
4
0
141
Co
mp
ute
r, C
oir
, S
eash
ore
sip
pie
s, P
anai
29
Kan
niy
aku
mar
i 1
12
248
0
0
169
Ser
vis
e K
iask
, L
ath
er p
rodu
cts,
Bac
ker
y, N
apk
in,
wir
ing
, se
awee
d /
Cra
b c
ult
ure
, C
oir
mak
ing
, H
erb
al
Pro
du
cts,
Pal
m p
rodu
cts
and
Mas
onry
, F
ishn
et,
Tai
lori
ng
, H
oll
ow
Blo
ck,
Til
es,
Ph
oto
gra
ph
y
T
ota
l 1
589
5132
1026
1382
3363
So
urc
e: R
eco
rds
of
Ma
ha
lir
Th
itta
m
107
3.6 ECONOMIC STATUS
Yardstick to Identify BPL Families
The poor households are the main stakeholders of a microfinance program.
In order to measure the impact of microfinance programs on the bottom of the
income pyramid, one first needs to know the yardstick used for measuring poverty.
The MFIs in India use $1 per day earnings as the yardstick in identifying the BPL
segment. However peoples’ perception and definition of a poor household is
different from that of the official definition. The difference in the definition of
poverty leads to dilution in the very objective for which MFIs are set up.
Table 3.12
Block wise below and above poverty line families in Tirunelveli district
Sl.No Name of the
Panchayat Union
Total no
of
families
Total no
of APL
families
Total no
of BPL
families
Percentage
1 Palayamkottai 25913 17955 7958 30.71
2 Manur 37635 25668 11967 31.80
3 Melaneelithanallur 26011 17186 8825 33.93
4 Kuruvikulam 28513 19564 8949 31.39
5 Sankarankoil 28067 18899 9168 32.66
6 Ambasamudram 14275 10415 3860 27.04
7 Cheranmahadevi 9818 6966 2852 29.05
8 Pappakudi 16188 10606 5582 34.48
9 Kadayam 29978 20539 9439 31.49
10 Nanguneri 25118 17455 7663 30.51
11 Kalakadu 13809 10042 3767 27.28
12 Valliyoor 26405 16269 10136 38.39
13 Radhapuram 29954 19920 10034 33.50
14 Alangulam 32279 22292 9987 30.94
16 Kadayanallur 21584 14400 7454 34.11
17 Shencottai 8156 5169 2987 36.62
18 Tenkasi 16439 10632 5807 35.32
19 Vasudevanallur 21061 14872 6189 29.39
Total 443063 302040 141023 31.83
Source-: Mahalir Thittam- Tirunelveli
108
Time Span to Cross BPL Status
After defining the yardstick to identify the BPL families, one needs to trace
out the average years taken by a BPL family funded by a microfinance program to
come out of the poverty tag. One should also attempt to find out whether the average time
span taken to cross the BPL. It will enable the government and other microfinance
participants to adopt area-specific operations which may reduce these differences.
The table clearly depicts the block wise Average Monthly Income of the
rural families of Tirunelveli District. Majority of the rural families are having the
Monthly Income of Rs 500 – Rs. 1500 only.
It shows the plight of the Rural Families’ in terms of Average Monthly
Income from the above Table.
Table 3.13
Type of Indebtedness in Tirunelveli District
Type of Indebtedness No.of Villages No. of Families
For Daily Consumption Purpose from Informal Sources 2151 191041
For Production Purposes From Informal Sources 1831 54816
For Other Purposes From Informal Sources 1569 24911
Borrowing only from Institutional Agencies 1726 40728
No indebtedness And Posses Assets 1896 105850
No Response 330 4354
TOTAL 9503 421700
Source: Rural development and Panchayat Raj Department, Tamilnadu
109
Table 3.14
Block Wise Means of Livelihood of Tirunelveli District
S.No Block Name
Means Of Livelihood
TotalCasual
Labour
Subsistence
CultivationArtisan Salary Others
No
Response
1 Vasudevanallur 14089 0 0 0 0 0
2 Sankarankovil 0 3622 973 1368 1009 0 6972
3 Kuruvikulam 19396 3753 1034 2263 1619 2 28067
4 Melaneelithanallur 17960 4243 1704 3444 1162 0 28513
5 Shencottah 17406 4209 1880 1669 840 1 26005
6 Tenkasi 4482 980 1554 501 602 37 8156
7 Alangulam 8748 2305 2468 1560 1358 0 16439
8 Keelapavoor 21293 4087 1086 1608 1788 0 29862
9 Kadaiyanallur 18521 6106 1643 3024 2296 0 31590
10 Manur 13868 3366 2251 1362 1007 0 21854
11 Palayankottal 21996 2150 389 6871 6201 28 37635
12 Ambasamudram 20656 2010 593 1691 927 36 25913
13 Kadayam 10353 1236 531 1786 369 0 14275
14 Pappakudi 7701 1432 1163 645 89 2 11032
15 Cheranmahadevi 10937 2005 587 1258 1054 347 16188
16 Nanguneri 7419 834 383 878 300 4 9818
17 Kalakadu 19730 2007 365 1831 1114 71 25118
18 Radhapuram 9442 1930 404 916 662 455 13809
19 Valliyoor 21832 2897 1306 2205 1709 5 29954
20 Valliyoor 19656 1611 980 2237 1122 799 26405
TOTAL 285485 50783 21294 37117 25228 1787 421694
Source: Rural development and Panchayat Raj Department, Tamilnadu
110
Ta
ble
3.1
5
In
deb
ted
nes
s V
s M
on
thly
In
com
e in
Tir
un
elvel
i D
istr
ict
Ty
pe
of
ind
eb
ted
ness
For d
ail
y
con
sum
pti
on
pu
rp
ose
s fr
om
info
rm
al
sou
rce
s
For p
rod
ucti
on
pu
rp
ose
from
info
rm
al
sou
rce
s
For o
ther
pu
rp
ose
fro
m i
nfo
rmal
sou
rces
Bo
rrow
ing o
nly
fro
m i
nst
itu
tio
nal
agen
cie
s an
d
regu
lar
swee
per
No i
nd
eb
ted
ness
an
d p
oss
ess
ass
ets
No R
esp
on
seT
ota
l
Mon
thly
Incom
e
No.o
f
Vil
lag
es
No.o
f
Fa
mil
ies
No
. o
f
Vil
lag
es
No
. o
f
Fa
mil
ies
No.o
f
Vil
lag
es
No.o
f
Fa
mil
ies
No
. o
f
Vil
lag
es
No
. o
f
Fa
mil
ies
No.o
f
Vil
lag
es
No.o
f
Fa
mil
ies
No.o
f
Vil
lag
es
No.o
f
Fa
mil
ies
No.o
f
Vil
lag
es
No.o
f
Fa
mil
ies
<250
1413
23584
909
6896
536
2271
693
3434
991
8803
107
458
4649
45446
250-4
99
1838
62339
1343
16140
970
6057
1179
9462
1383
21709
170
1127
6883
116834
500-1
499
1949
82176
1545
24996
1248
12558
1416
17274
1609
40567
226
1766
7993
179337
1500-2
500
1210
16662
857
5310
643
2859
864
4488
1239
13436
107
438
4920
43193
>2500
702
5052
465
1374
373
1086
643
5959
1231
20989
66
195
3480
34655
No R
esp
on
se215
1228
52
100
42
80
71
111
126
346
62
370
568
2235
TO
TA
L7327
185989
5171
53442
3812
23825
4866
34769
6579
84861
738
4159
28493
421700
So
urc
e: R
ura
l d
evel
op
men
t a
nd
Pa
nch
ay
at
Raj
Dep
art
men
t, T
am
iln
ad
u
T
he
yea
r o
n y
ear
gro
wth
rat
e in
th
e nu
mb
er o
f B
PL
fam
ilie
s ben
efit
ed f
rom
MF
Is i
s of
gre
at u
se i
n f
ind
ing
ou
t th
e im
pac
t o
f
mic
rofi
nan
ce o
n p
ov
erty
all
evia
tio
n. T
he
abo
ve
tab
les
dep
ict
the
pli
gh
t o
f th
e p
eop
le i
n T
iru
nel
vel
i d
istr
ict
in t
erm
s o
f av
erag
e m
on
thly
inco
me,
mea
ns
of
liv
elih
ood a
nd c
redit
del
iver
y.
111
Ta
ble
3.1
6
Ca
teg
ory
an
d B
lock
wis
e S
HG
s B
an
k C
red
it a
nd
Su
bsi
dy i
n T
iru
nel
vel
i D
istr
ict
Sl
No
Na
me o
f T
ra
de
Na
me o
f
Blo
ckN
am
e o
f S
HG
M
em
bers
Na
me
of
Ba
nk
Na
me o
f
Bra
nch
Su
bsi
dy
Cre
dit
To
tal
Da
te o
f
Rel
ease
d
Na
me o
f
the N
GO
Ala
nk
ula
m
1F
od
der
Cu
ltiv
atio
n &
Mil
ch
An
imal
A
lan
ku
lam
R
amal
aksh
mi
Fem
ale
SH
G S
ola
iser
i 2
0
IOB
V
eera
nam
1
.00
3.0
0
4.0
0
13
.09
.06
Sev
a B
har
ath
i
2F
od
der
Cu
ltiv
atio
n &
Mil
ch
An
imal
A
lan
ku
lam
K
ann
agi
Fem
ale
SH
G K
aru
van
tha
2
0
IOB
V
eera
nam
1
.00
3.0
0
4.0
0
13
.09
.06
TS
SS
3F
od
der
Cu
ltiv
atio
n &
Mil
ch
An
imal
A
lan
ku
lam
A
ath
ilak
shm
i F
emal
e S
HG
Kee
lav
eera
nam
2
0
IOB
V
eera
nam
1
.00
3.0
0
4.0
0
13
.09
.06
Sev
a B
har
ath
i
4F
od
der
Cu
ltiv
atio
n &
Mil
ch
An
imal
A
lan
ku
lam
S
elv
a v
inay
agar
Fem
ale
SH
G k
idar
aku
lam
2
0
IOB
V
eera
nam
1
.00
3.0
0
4.0
0
13
.09
.06
Vin
ob
a
5F
od
der
Cu
ltiv
atio
n &
Mil
ch
An
imal
A
lan
ku
lam
V
idia
l F
emal
e S
HG
Mel
avee
ran
am
20
IOB
V
eera
nam
1
.00
3.0
0
4.0
0
13
.09
.06
Vin
ob
a
6F
od
der
Cu
ltiv
atio
n &
Mil
ch
An
imal
A
lan
ku
lam
P
oo
mah
al F
emal
e S
HG
So
lais
eri
20
IOB
V
eera
nam
1
.00
3.0
0
4.0
0
13
.09
.06
Vin
ob
a
7F
od
der
Cu
ltiv
atio
n &
Mil
ch
An
imal
A
lan
ku
lam
S
ri p
atra
kal
i F
emal
e S
HG
So
lais
eri
20
IOB
V
eera
nam
1
.00
3.0
0
4.0
0
13
.09
.06
Vin
ob
a
8F
od
der
Cu
ltiv
atio
n &
Mil
ch
An
imal
A
lan
ku
lam
S
riR
amaJ
eyam
Fem
ale
SH
G S
ola
iser
i 2
0
IOB
V
eera
nam
1
.00
3.0
0
4.0
0
13
.09
.06
Vin
ob
a
9F
od
der
Cu
ltiv
atio
n &
Mil
ch
An
imal
A
lan
ku
lam
S
eeth
alak
shm
i F
emal
e S
HG
Vee
ran
am
20
IOB
V
eera
nam
1
.00
3.0
0
4.0
0
13
.09
.06
Sev
a B
har
ath
i
10
Mat
wea
vin
g
Ala
nk
ula
m
Mah
alir
Mem
pat
tu M
and
ram
-1
0 K
eela
v
eera
nam
2
0
IOB
V
eera
nam
0
.60
1.4
0
2.0
0
31
.07
.200
6
BW
DA
11
Mat
wea
vin
g
Ala
nk
ula
m
Mah
alir
Mem
pat
tu M
and
ram
-1
1 K
eela
v
eera
nam
2
0
IOB
V
eera
nam
0
.60
1.4
0
2.0
0
31
.07
.200
6
BW
DA
12
Mat
wea
vin
g
Ala
nk
ula
m
Mah
alir
Mem
pat
tu M
and
ram
-1
5 K
eela
v
eera
nam
2
0
IOB
V
eera
nam
0
.60
1.4
0
2.0
0
31
.07
.200
6
BW
DA
13
Mat
wea
vin
g
Ala
nk
ula
m
Mah
alir
Mem
pat
tu M
and
ram
-1
8 K
eela
v
eera
nam
2
0
IOB
V
eera
nam
0
.60
1.4
0
2.0
0
31
.07
.200
6
BW
DA
14
Mat
wea
vin
g
Ala
nk
ula
m
Mah
alir
Mem
pat
tu M
and
ram
-1
9K
eela
Vee
ran
am
20
IOB
V
eera
nam
0
.60
1.4
0
2.0
0
31
.07
.200
6
BW
DA
15
Mat
wea
vin
g
Ala
nk
ula
m
Mah
alir
Mem
pat
tu M
and
ram
9 v
eera
nam
2
0
IOB
V
eera
nam
0
.65
1.3
5
2.0
0
19
.9.0
6
BW
DA
16
Mat
wea
vin
g
Ala
nk
ula
m
Mah
alir
Mem
pat
tu M
and
ram
-1
3 v
eera
nam
2
0
IOB
V
eera
nam
0
.65
1.3
5
2.0
0
19
.9.0
6
BW
DA
17
Mat
wea
vin
g
Ala
nk
ula
m
Mah
alir
Mem
pat
tu M
and
ram
-1
4 v
eera
nam
2
0
IOB
V
eera
nam
0
.65
1.3
5
2.0
0
19
.9.0
6
BW
DA
18
Mat
wea
vin
g
Ala
nk
ula
m
Mah
alir
Mem
pat
tu M
and
ram
-6
vee
ran
am
20
IOB
V
eera
nam
0
.65
1.3
5
2.0
0
19
.9.0
6
BW
DA
19
Mat
wea
vin
g
Ala
nk
ula
m
Ind
raG
and
hi
fem
ale
shg
vee
ran
am
15
IOB
V
eera
nam
0
.65
1.3
5
2.0
0
19
.9.0
6
CR
T
20
Mik
e sy
sto
m
Ala
nk
ula
m
Kam
araj
ar M
ale
SH
G A
cham
ku
ttam
2
0
IOB
V
eera
nam
1
.00
3.0
0
4.0
0
28
.08
.200
6
Nav
aJee
van
Tru
st
112
Sl
No
Na
me o
f T
ra
de
Na
me o
f
Blo
ckN
am
e o
f S
HG
M
em
bers
Na
me
of
Ba
nk
Na
me o
f
Bra
nch
Su
bsi
dy
Cre
dit
To
tal
Da
te o
f
Rel
ease
d
Na
me o
f
the N
GO
21
Ver
mi
com
po
st
Ala
nk
ula
m
Sri
Kal
aim
ahal
Fem
ale
SH
G S
ola
ich
ery
1
5
IOB
V
eera
nam
1
.00
2.0
0
3.0
0
19
.09
.06
VIN
OP
A
22
Mil
chA
nim
al
Ala
nk
ula
m
Kam
araj
Mal
e S
HG
Ach
ank
un
dra
m
20
IOB
V
eera
nam
1
.00
3.0
0
4.0
0
28
.2.0
7
SE
VA
BH
AR
AT
HI
23
Mil
chA
nim
al
Ala
nk
ula
m
Viv
ekan
and
ar M
ale
SH
G A
chan
ku
nd
ram
2
0
IOB
V
eera
nam
1
.00
3.0
0
4.0
0
28
.2.0
7
SE
VA
BH
AR
AT
HI
24
Flo
ricu
ltu
re
Ala
nk
ula
m
Val
arM
ale
SH
G A
cham
ku
ttam
2
0
IOB
V
eera
nam
1
.00
3.0
0
4.0
0
28
.2.0
7
Pan
chay
atU
nio
n
25
Mil
chA
nim
al
Ala
nk
ula
m
Van
aro
ja W
om
an S
HG
A
yan
ark
ula
m
20
PA
CB
S
ival
ark
ula
m
1.0
0
3.0
0
4.0
0
28
.2.0
7
IND
RA
MA
HA
LI
RM
AN
DR
AM
26
Fan
cy s
tore
A
lan
ku
lam
Y
og
amb
igai
Wo
man
SH
G N
allu
r
19
PA
CB
A
lan
gu
lam
0
.70
1.3
0
2.0
0
28
.2.0
7
RR
O
27
Mil
ch A
nim
al
Ala
nk
ula
m
Vid
iyal
Mah
alir
SH
G C
het
tik
ula
m
20
PA
CB
M
aran
thai
1
.00
3.0
0
4.0
0
27
.3.0
7
NA
VA
JEE
VA
N
28
Fo
dd
er C
ult
ivat
ion &
Mil
ch
An
imal
A
lan
ku
lam
M
alig
ai M
ale
SH
G S
ou
th K
aval
aku
rich
i 1
2
PG
B
Ven
kat
esh
war
apu
ram
0
.80
1.6
0
2.4
0
13
.09
.06
Vin
ob
a
29
Fo
dd
er C
ult
ivat
ion &
Mil
ch
An
imal
A
lan
ku
lam
M
alar
mu
gam
Viv
asai
gal
Fem
ale
SH
G
K.N
avan
eeth
akri
shn
apu
ram
1
0
PG
B
Ven
kat
esh
war
apu
ram
0
.65
1.3
5
2.0
0
13
.09
.06
PG
B
30
Fo
dd
er C
ult
ivat
ion &
Mil
ch
An
imal
A
lan
ku
lam
M
alar
mu
gam
Mal
arv
izh
i F
emal
e S
HG
K
uru
van
ko
ttai
1
3
PG
B
Aal
ank
ula
m
0.8
5
1.7
5
2.6
0
13
.09
.06
PG
B
31
Mik
e sy
sto
m
Ala
nk
ula
m
Sem
par
uth
i F
emal
e S
HG
Kan
adik
ula
m
18
PG
B
Ven
kat
esh
war
apu
ram
1
.00
2
.60
3
.60
2
8.0
8.2
00
6
GU
AR
D T
vl
Su
b T
ota
l 2
6.2
5
69
.35
95
.60
Am
ba
sam
ud
ram
32
Bro
ss c
asti
ng
A
mb
asam
ud
ram
V
etri
vin
ayag
ar m
ale
SH
G M
anar
ko
vil
1
9
Cen
tral
Ban
k
Am
bas
um
ud
ram
0.6
0
1.4
0
2.0
0
31
.07
.200
6
MG
SS
33
Rat
ion
sh
op
Am
bas
amu
dr
am
Mah
alir
Mem
pat
tu M
and
ram
-15
siv
anth
ipu
ram
18
PG
B
siv
anth
ipu
ram
0.6
0
1.4
0
2.0
0
31
.07
.200
6
BW
DA
34
Co
nst
ruct
ing
Mat
eria
ls
Am
bas
amu
dr
am
Mah
alir
Mem
pat
tum
and
ram
-6
Ad
ayak
aru
nk
ula
m
18
PG
B
Siv
anth
ipat
ti
1.0
0
3.0
0
4.0
0
27
.3.0
7
BW
DA
Su
b T
ota
l 2
.20
5
.80
8
.00
Ch
era
nm
ah
ad
ev
i
35
Mil
ch A
nim
al
Ch
eran
mah
adev
iA
nn
ai T
eras
a f
emal
e S
HG
pu
thu
kudi
20
IOB
V
eera
van
allu
r1
.00
3.0
0
4.0
0
13
.09
.06
SC
AD
36
Mil
chA
nim
al
Ch
eran
mah
adev
iK
alai
van
i W
om
an S
HG
Id
ayan
ku
lam
U
lag
ank
ula
m
13
PG
B
Iday
ank
ula
m
0.8
5
1.7
5
2.6
0
28
.2.0
7
CA
ST
37
Mil
chA
nim
al
Ch
eran
mah
adev
i A
nn
ai T
eras
a W
om
an
SH
G,P
oo
that
han
ku
diy
eru
pp
u, U
lag
ank
ula
m.
1
2
PG
B
Iday
ank
ula
m
0.8
0
1.6
0
2.4
0
28
.2.0
7
CA
ST
38
Mil
chA
nim
al &
Ban
ana
Cu
ltiv
atio
nC
her
anm
ahad
evi
Ro
ja W
om
an S
Hg
Pu
lav
an k
ud
iiru
ppu
U
lag
ank
uam
1
2
PG
B
Iday
ank
ula
m
0.8
0
1.6
0
2.4
0
28
.2.0
7
CA
ST
39
Mil
ch a
nim
al
Ch
eran
mah
adev
i B
uel
a M
ahal
ir S
HG
Po
od
ath
an k
ud
iiru
pp
u
14
SB
I N
ang
un
eri
1.0
0
2.3
6
3.3
6
27
.3.0
7
AR
AS
AN
Su
b T
ota
l 4
.45
1
0.3
11
4.7
6
Ka
da
ya
m
113
Sl
No
Na
me o
f T
ra
de
Na
me o
f
Blo
ckN
am
e o
f S
HG
M
em
bers
Na
me
of
Ba
nk
Na
me o
f
Bra
nch
Su
bsi
dy
Cre
dit
To
tal
Da
te o
f
Rel
ease
d
Na
me o
f
the N
GO
40
Mli
ch a
nim
al
Kad
ayam
M
up
pid
ath
iam
man
Fem
ale
SH
G
Kal
ayan
ipu
ram
1
7
IOB
K
aday
am
1.0
0
2.4
0
3.4
0
28
.08
.200
6
Pt.
Un
.
41
Sid
ha
Med
icin
e K
aday
am
Th
alam
po
o M
ahal
ir S
HG
Rav
anas
amu
dra
m
20
SB
I A
lwar
ku
ruic
hi
0.2
0
0.4
0
0.6
0
27
.3.0
7
CP
E
Su
b T
ota
l 1
.20
2
.80
4
.00
Ka
da
ya
na
llu
r
42
Bri
ck k
iln
K
aday
anal
lur
Th
amar
ai F
emal
e S
HG
Ch
ok
amp
atti
1
6
PG
B
Ch
ok
amp
atti
0
.80
2.2
0
3.0
0
28
.08
.200
6
Mal
arch
i
43
Han
dlo
om
Wo
rk
Kad
ayan
allu
rT
ham
arai
Wo
man
SH
G S
ivar
amap
etta
i 1
3
PG
B
Idai
kal
0
.79
1.8
1
2.6
0
28
.2.0
7
Pan
chay
atU
nio
n
44
Han
dlo
om
Wo
rk
Kad
ayan
allu
rM
alar
mu
gam
Wo
man
SH
G S
ivar
amap
etta
i 1
4
PG
B
Idai
kal
0
.95
1.8
5
2.8
0
28
.2.0
7
PG
B
45
Mil
ch a
nim
al
Kad
ayan
allu
rT
han
ga
tham
arai
Mah
alir
SH
G I
rata
iak
ula
m
Kula
yan
eri
15
PG
B
SV
.Kar
ai
1.0
0
3.2
5
4.2
5
27
.3.0
7
RV
S
46
Rea
dy
mad
e K
aday
anal
lur
Sak
thi
Mah
alir
SH
G T
hir
iko
odap
ura
m
20
PG
B
So
kk
ampat
ti;
1.0
0
3.0
0
4.0
0
27
.3.0
7
CP
E
Su
b T
ota
l 4
.54
1
2.1
11
6.6
5
K
ala
ka
d
47
Mil
ch A
nim
al
Kal
akad
S
ivan
thi
Fem
ale
SH
G S
rin
ivas
apu
ram
P
uli
oo
rku
rich
i 1
6
IOB
D
on
avu
r 1
.00
2.2
0
3.2
0
13
.09
.06
Act
ion
Tru
st
48
Mil
chA
nim
al
Kal
akad
S
uri
ya
Gan
dh
i S
HG
Do
nav
ur
20
IOB
D
on
avu
r 1
.00
3.0
0
4.0
0
28
.2.0
7
AC
T
49
Mil
chA
nim
al
Kal
akad
Je
nia
Wo
man
SH
G M
elk
arai
1
5
PG
B
Mel
apal
ayam
1
.00
2.0
0
3.0
0
28
.2.0
7
ISL
AN
D O
F
PL
AC
E
50
Mil
chA
nim
al
Kal
akad
V
adaM
alar
Wo
man
SH
G T
hen
eerk
ula
m
Mel
kar
ai
20
PG
B
Mel
apal
ayam
1
.00
3.0
0
4.0
0
28
.2.0
7
ISL
AN
D O
F
PL
AC
E
51
Ban
ana
Cu
ltiv
atio
n &
Mic
h
An
imal
K
alak
adE
ruv
ach
i M
alar
Wo
man
SH
G , C
hat
ram
, K
alik
ula
m
17
PG
B
Kal
akad
1
.00
4.0
0
5.0
0
28
.2.0
7
AR
AS
AN
52
Mil
chA
nim
al
Kal
akad
B
agav
ath
i W
om
an S
HG
Sin
gik
ula
m
14
SB
I N
ang
un
eri
1.0
0
3.2
0
4.2
0
28
.2.0
7
AR
AS
AN
53
Veg
etab
le C
ult
ivat
ion
Kal
akad
R
oja
Wo
man
SH
G K
eela
up
aran
i S
ing
iku
lam
1
4
SB
I N
ang
un
eri
1.0
0
4.0
0
5.0
0
28
.2.0
7
AR
AS
AN
54
Flo
ricu
ltu
re
Kal
akad
L
eeli
Pu
shp
am W
om
an S
HG
Kee
lau
par
ani
Sin
gik
ula
m
13
SB
I N
ang
un
eri
1.0
0
4.0
0
5.0
0
28
.2.0
7
AR
AS
AN
55
Mil
chA
nim
al
Kal
akad
S
ub
ash
Ara
san
Wo
man
SH
G P
uli
oo
rku
ruch
i 1
8
SB
I N
ang
un
eri
1.0
0
3.3
2
4.3
2
28
.2.0
7
AR
AS
AN
56
Lim
e K
iln
an
d L
aun
dry
K
alak
ad
Th
amar
ai W
om
an S
HG
Sin
gik
ula
m
20
SB
I N
ang
un
eri
1.0
0
4.0
0
5.0
0
28
.2.0
7
AR
AS
AN
57
Mil
chA
nim
al
Kal
akad
L
otu
s W
om
an S
HG
M
alai
adi
Sin
gik
ula
m
17
SB
I N
ang
un
eri
1.0
0
3.0
8
4.0
8
28
.2.0
7
AR
AS
AN
58
Gri
nd
er S
ton
e an
d s
ton
e p
illa
r M
akin
g
Kal
akad
R
oja
Wo
man
SH
G S
ing
iku
lam
2
0
SB
I N
ang
un
eri
1.0
0
4.0
0
5.0
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AR
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59
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hid
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60
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61
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CR
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GO
65
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AG
RI
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TS
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68
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69
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71
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coo
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72
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73
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75
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76
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77
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23
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M
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ur
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28
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7
JPT
79
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anu
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ank
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5
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28
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7
JPT
80
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ur
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83
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ur
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28
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JPT
84
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ur
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JPT
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imal
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anu
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ur
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7
JPT
86
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ur
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man
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12
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28
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7
JPT
87
V
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ltiv
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ur
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ku
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man
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AR
UM
BU
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L
115
Sl
No
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me o
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Na
me o
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e o
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M
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me
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me o
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Cre
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tal
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Rel
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Ver
mi
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ath
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P
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5
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31
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06
C
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7
JPT
90
Mil
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ur
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0
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28
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7
JPT
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30
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42
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Mel
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na
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91
Flo
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re
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nai
Sat
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man
SH
G S
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ku
lam
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BH
AR
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92
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BH
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93
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BH
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94
Mil
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13
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N
an
gu
ner
i
95
Vad
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, M
uru
kk
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mak
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ang
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eri
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ma
vas
anth
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kam
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elu
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5
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un
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13
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Mag
ras
96
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t p
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GR
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97
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chA
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gu
ner
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98
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al
Nan
gu
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2 M
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MA
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99
Her
bal
Pro
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15
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5
28
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7
MA
GR
ES
10
0
Her
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MA
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1
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ch a
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ram
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MA
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Mil
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aru
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MA
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aru
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her
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SA
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AC
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7
Mil
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AR
AS
AN
116
Sl
No
Na
me o
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ra
de
Na
me o
f
Blo
ckN
am
e o
f S
HG
M
em
bers
Na
me
of
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nk
Na
me o
f
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Cre
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To
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Da
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Rel
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Na
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GO
10
9
Ch
air
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ire
kn
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gu
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mb
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amo
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13
PG
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mo
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7
13
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.06
Cru
sh
11
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Ph
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po
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gu
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ham
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16
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