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EXECUTIVE SUMMARY I. General: a) The theme of the PLP – 2016-17 is ‘Accelerating the pace of Capital Formation in

agriculture and allied sector’. b) Anuppur district is situated in the eastern part of Madhya Pradesh. It has four blocks

with a total geographical area of 3746.71 sq. km. constituting 1.21% of the total area of the State. The average rainfall of the district is 1307 mm per annum which precipitates in about 60 to 80 days. The district population (2011 Census) is 7.49 lakh with 5.44 lakh in rural areas. The population below poverty line is 26.70%. The total irrigated area as a percentage to net sown area is 16.20%. There are 1106 Micro Industries/ Small industries and 03 Mega Industries providing employment to 2902 persons in the district. The district is classified as tribal district and also under LWE district.

c) Ground Level Credit Flow (GLC): Total GLC of the district under priority sector which was ₹88.63 crore during 2012-13, increased to ₹148.75 crore during 2013-14 and further to ₹167.93 crore during 2014-15. The agricultural loans issued during the last three years were ₹60.85 crore, ₹116.37 crore and ₹133.83 crore respectively. The disbursements under NFS (including OPS) during the above period were ₹27.78 crore, ₹32.37 crore and ₹34.09 crore respectively. The share of agriculture in GLC which stood at 78.24% in 2013-14 has increased to 79.69% during 2014-15. The Agriculture Term Loan constituted 34.57% of the total agriculture lending during 2014-15. This share has decreased by 8.14% since 2012-13.

d) Highlights of banking benchmarks: The district has 78 bank branches with 34 branches of Commercial Banks, 13 branches of Gramin Bank, 05 branches of DCCB, 01 branch of DARDB and 25 PACS. The performance of banks in achieving the parameters stipulated by RBI during 2014-15 was satisfactory, except CD ratio parameter. The CD ratio of 23.62%, PSA advances of 70.60%, Agricultural Advances of 57.79% were achieved as against the stipulation of 65%, 40% and 18% respectively. Submission of LBRs by banks needs to be improved. Achievement under ACP 2014-15 at ₹167.93 crore

formed 100.13% of the target. The performance under Financial Inclusion was also satisfactory, as the targets regarding coverage of villages through USB, appointment of BCs, number of transactions of BCs, accounts under PMJDY etc., were achieved. During year 04 new banks viz.- IDBI, HDFC, UCO Bank, Bank of Baroda have entered in to the district

e) Sectoral assessment of potential: a) The potential, under Priority Sector, in each sector / sub sector for 2016-17 that could be tapped with institutional credit has been assessed at at ₹432.50 crore as against ₹326.46 for the year 2014-15 showing 32.48% growth over previous year. The potential under various sectors include crop loans ₹233.13 crore, investment credit for agriculture comprising various sectors viz., Water Resources, Land Development, Farm Mechanisation, Forestry, Dairy Development, Poultry, Sheep/goat/piggery, Fisheries, Storage Godowns & Market Yards and Other activities at ₹58.74 crore, MSME ₹69.84 crore. In tune with revision in priority sector guidelines by RBI, credit potential for Education ₹7.08 crore, Housing - ₹25.06 crore, Renewal Energy ₹1.75 crore, loans to SHG, PMJDY OD etc. ₹16.50 crore and Social Infrastructure- ₹8.33 crore have been assessed in addition to traditional sector this has lead an increase of ₹106.04 crore over previous year. Agriculture credit projection (₹303.94 crore) includes Farm credit, Agriculture infrastructure and Ancillary activities

forms 70.27% of the total credit projection. The share of crop loan and agriculture term loan in Agriculture credit is 76.70% and 23.30% and 53.90% and 13.58% in total credit projection. MSME & remaining sector i.e.- Education, Housing, Renewal Energy, loans

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to SHG etc. and Social Infrastructure in credit potentials for 2016-17 is 16.15% and 13.58% respectively. The potential has been assessed keeping in view the GoI/GoMP’s priorities, revised Priority sector guideline, existing/likely improvements in infrastructure, past GLC, revision in SoF/Unit Cost and various subsidy schemes of GoI/GoMP.

f) Some of the major constraints envisaged in achieving the potential assessed are inadequate extension support, inadequate irrigation facility, lack of assured and quality power supply in rural areas, lack of post harvest facilities for horticulture crops, absence of milk routes in a major portion of the district, average roads and communication network, etc., in rural areas. Forward and backward linkages such as quality planting material, post harvest facilities, organised marketing facilities for Plantation, Horticulture and floriculture crops could trigger exploitation of latent potential for Plantation & Horticulture sector in the district. Implementation of Vision 2018 document of GoMP would go a long way in realizing the potentials assessed.

II. Thrust areas and Developmental Initiatives of NABARD a) In order to realise the theme envisaged in the document, viz., Accelerating the pace of

Capital Formation in Agriculture and Allied sector, a few Area Based Schemes have been identified. The sectors identified are Forestry- Eucalyptus plantation and Animal Husbandry- Goatery Development. Tentative banking plans have been prepared for these activities. An estimated amount of ₹119.25 lakh is expected to be financed by

banks under these models. b) NABARD had also identified a few thrust areas for 2016-17 viz., JLG/SHG financing,

strengthening of storage infrastructure, improving dairy development, Producer Organizations, etc. To promote the above areas, NABARD has also initiated several developmental activities in the form of support to Self Help/JLG Promoting Institutions, conduct of workshops, seminars, training camps, support to farmers clubs, FPOs, Natural Resource Management through Watershed, loan based training for NFS development, etc.

III. Infrastructure a) The district fares fairly well under some of the infrastructure indicators such as

Electricity, Water supply, and transportation sector and lags behind in other components viz. health care, Literacy rate, Irrigation, Education, urbanisation etc. where the district indicators are lower than the State average. Incidence of poverty is higher than State average. Infrastructure facilities act as catalysts in the development. Under RIDF, 39 projects with an outlay of ₹63.07 crore and loan component of ₹46.92 crore were

sanctioned by NABARD for the district covering mainly rural roads and bridges, minor irrigation projects, Primary health centres, power projects, Public education etc.

b) In order to improve the credit off-take in the district, the State Govt may consider improving the various critical infrastructure identified in the district viz., setting up of soil-testing laboratories in each block, Building infrastructure for education/veterinary institutions, lining of canals, Solar /Electrification solar Nal-Jal Yojna in non electrified villages, strengthening the existing extension network, technology transfer, improving irrigation, popularisation of improved agricultural implements and machinery through demonstrations in farmers' fields, popularizing high density cropping systems, improving animal health care, activating/increasing the milk routes, establishment of poultry/fish hatcheries, establishment of fish markets, uninterrupted power supply to the industries, etc.

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IV. Conclusion: In order to achieve the overall credit potential assessed and in particular to enhance the capital formation in Agriculture in the district, there is a need to have a coordinated approach by all the stakeholders, viz., banks, Govt. Departments and NGOs. The reporting system by banks through LBRs/SAMIS, regular monitoring of achievements vis-à-vis the targets in DLCC/BLBC meetings assume greater importance. The implementation of SHG, JLG, RuPay enabled KCC and Financial Inclusion drive for bank linkage, insurance cover and pension scheme will ultimately result in achieving the various objectives of inclusive growth in the rural areas of the district.

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Appendix A to Annexure 1

Broad Sector wise PLP projections - 2016-17

(₹ Lakh)

Sr. No.

Particulars PLP projections

for 2016-17

A Farm Credit

i Crop Production, Maintenance and Marketing 23313.81

ii Term investment for Agriculture and Allied Activities 5874.66

subtotal 29188.47

B Agriculture Infrastructure 836.67

C Ancillary Activities 369.17

I Total Credit Potential for Agriculture (A+B+C) 30394.31

II Micro Small and Medium Enterprises 6984.00

III Export Credit 0.00

IV Education 708.00

V Housing 2506.00

VI Renewable Energy 175.01

VII Others 1650.00

VIII Social Infrastructure Involving bank credit 833.40

Total priority Sector (I to VIII) 43250.72

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Appendix B to Annexure 1 Summary of Sector/Sub Sector wise PLP projections - 2016-17

(₹ Lakh)

Sr. No.

Sector PLP

projections 2016-17

I Credit Potential for Agriculture

A. Farm Credit

i Crop Production, Maintenance and Marketing 23313.81

ii Water Resources 579.02

iii Farm Mechanisation 1517.40

iv Plantation and Horticulture 480.41

v Forestry and Waste Land Development 176.23

vi Animal Husbandry – Dairy Development 1565.88

vii Animal Husbandry – Poultry Development 378.64

viii Animal Husbandry – Sheep, Goat and Piggery Development 244.05

ix Fisheries Development 676.72

x Other Activities 256.31

Sub Total 5874.66

Sub Total 29188.47

B. Agriculture Infrastructure

i Construction of Storage Facilities 296.26

ii Land Development, Soil conservation, watershed Development 233.21

iii Others 307.20

Sub Total 836.67

C. Ancillary Activities

i Food & Agro processing 289.17

ii Others 80.00

Sub Total 369.17

Total Agriculture (A+B+C) 30394.31

II. Micro, Small and Medium Enterprises

MSME - Manufacturing

i MSME Investment credit 1760.00

ii MSME working capital 616.00

Sub Total 2376.00

MSME - service

i MSME Investment credit 3840.00

ii MSME working capital 768.00

Sub Total 4608.00

Total MSME 6984.00

III Export Credit 0.00

IV Education 708.00

V Housing 2506.00

VI Renewable Energy 175.01

VII Others (loans to SHG/JLG, PMJDY etc.) 1650.00

VIII Social Infrastructure Involving bank credit 833.40

Total priority Sector (I to VIII) 43250.72

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BROAD SECTOR-WISE PLP PROJECTIONS – 2016-17

DISTRICT MAP OF ANUPPUR

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