executive summary - national bank for … · executive summary the theme for plp 2016-17 continues...

PLP 2016-17 Lawngtlai and Saiha

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EXECUTIVE SUMMARY

The theme for PLP 2016-17 continues to be “Accelerating the pace of capital formation in agriculture and allied sector”. The following paragraphs broadly outline the essential features of the Potential Linked Credit Plan for the year 2016-17.

The districts of Lawngtlai and Saiha have 4 and 2 rural development blocks respectively. All the blocks comprise of hilly areas. The districts are connected only by road with the State Head Quarter i.e. Aizawl. The average rainfall in Lawngtlai district is about 2098 mm and that of Saiha is about 2850 mm.

In Lawngtlai District, there are two Autonomous District Councils viz. Lai Autonomous District Council (LADC) and the Chakma District Council (CADC) with their Headquarters at Lawngtlai and Kamalanagar respectively. In Saiha District, there is one Mara Autonomous District Council with headquarter at Saiha.

The districts have a total population of 1,73,810 as per 2011 census [Lawngtlai – 1,17,444 and Saiha – 56,366]. The percentage of rural population is higher than the urban population in both the districts. The literacy percentage in Lawngtlai and Saiha districts are 66.41 and 88.41 respectively. The Potential Linked Credit Plan (PLP) for Lawngtlai and Saiha districts, envisages deployment of bank credit for the development of various sectors during the year 2016-17 to the tune of Rs.5554.20lakh, and Rs.3054.29 lakh respectively. Projections for bank credit for the year 2016-17 are given in Annexure I. There are 17 bank branches of three banks viz., State Bank of India (3), HDFC (2), Mizoram Rural Bank (9), Canara Bank (1) and Mizoram Cooperative Apex Bank (2) catering to the needs of the people in the two districts. Credit projections have been made after taking into consideration the potential, the present status of infrastructure facilities, banking network, man power capabilities, new initiatives of Districts’ Administration and plans of Central and State Govt, etc. Agriculture and allied activities form the backbone of the economy of the districts. The productivity under agriculture is however low. Subsistence farming is prevalent in all the parts of the State. Besides regular kharif cultivation, farmers are now showing interest in cultivation of crops under Rabi and pre-kharif seasons.

The credit potential estimated under Crop Loan during the year 2016-17 in Lawngtlai and Saiha district are Rs. 981.75 lakh and Rs. 561.72 lakh respectively. All the crop loans should be disbursed through KCC cards so that the farmers have access to timely and uninterrupted credit at the time of need.

In order to meet the challenges of sustaining the population with food and shelter, planned efforts are to be made to increase agricultural productivity by increasing the irrigable area and land development. Accordingly, a credit projection of Rs.10.70 lakh [Lawngtlai – Rs.6.64 lakh and Saiha –Rs.4.06 lakh] for Water Resources sector and Rs.83.03 lakh [Lawngtlai- Rs.39.78lakh and Saiha –Rs.43.25 lakh] for Farm Mechanisation has been made for the year 2016-17. Tillers are the appropriate FM devices for both the districts. There is less demand for tractors in the districts in view of less availability of plain lands. Tractors can be used for transportation purposes also.

Horticulture is the main source of cash crops in the districts. The horticulture development in the districts envisages a credit flow of Rs.364.24 lakh [Lawngtlai –Rs.236.39 lakh and SaihaRs.127.85 lakh] for 2016-17.

Under Forestry and Wasteland Development, a credit potential of Rs.8.32 lakh [Lawngtlai –Rs.5.05 lakh and SaihaRs.3.27 lakh] has been estimated for the two districts for 2016-17.

The Animal Husbandry sector has immense importance in both the districts. There is a great demand for Poultry and Pig Meat. Further, there is also a very high demand for milk in the districts. As such poultry, piggery and dairy farming forms the backbone of the


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supplementary employment and income of the farmers, besides enabling reduction in the gap between demand and supply of different animal products in the districts as well as in the state. Accordingly, the potential for credit flow for 2016-17 has been projected at Rs.261.36lakh [Lawngtlai –Rs.184.14lakh andSaiha –Rs.77.22lakh] for dairy development, Rs. 127.17 [Lawngtlai –Rs.85.68 lakh and Saiha –Rs.41.49 lakh] for poultry andRs. 186.76[Lawngtlai –Rs.125.30 lakh and Saiha –Rs.61.46 lakh] sheep/goat/piggery activities.

Fish Farming also supplements the income of the farmers. Fisheries in the two districts have good scope for development as many fish farms exist in the districts. There is a wide gap between demand and supply in the districts. Accordingly, an amount of Rs.68.08 lakh [Lawngtlai –Rs.36.37 lakh and SaihaRs.31.71lakh] has been projected for the sector in the two districts for the year 2016-17.

The aggregate requirement for Farm Credit is projected at Rs.2653.11lakh [Lawngtlai–Rs.1701.10 lakh and Saiha –Rs.952.01 lakh] for the two districts for the year 2016-17.

Land Development in 25% and 33% slope is the activity identified necessary for improvement of agriculture infrastructure in the districts. Accordingly, a credit projection of Rs.32.82lakh [Lawngtlai- Rs.17.06lakh and SaihaRs.15.76lakh] has been made for Land Development.

Agro and Food Processing enables value addition to agricultural produce generates income from the processing units and creates employment opportunities for the rural unemployed. A credit potential of - Rs.152.78 lakh [Lawngtlai –Rs.97.38 lakh and Saiha - Rs.55.40 lakh] has been projected for Agro and Food Processing activities for the year 2016-17.

Micro, Small and Medium Enterprises (MSME) is a necessity for employment generation. Industry serves as a support system to agriculture, specifically in respect of the processing facilities, which add value to the farm sector produce. A credit potential of Rs.2446.73 lakh [Lawngtlai–Rs.1701.61 lakh and Saiha–Rs.745.12] has been projected for MSME for the year 2016-17.

Education occupies an important place in today’s world and education for higher studies has become very expensive. Banks can play an important role in the development of human resource by providing loans to needy students. An amount of Rs.33.75 lakh [ Lawngtlai –Rs.17.55 lakh and Saiha –Rs.16.20 lakh ]

The development interventions in the districts are aided by Capital Investment Subsidy Schemes of GOI in respect of Rural Godowns, Organic Farming, etc. Government Sponsored Programmes like PMEGP, SGSY, KVIC etc., also has helped development of rural and urban poor in both the districts.

As per Dr. Rangarajan Committee recommendations, Lawngtlai district in the State has been identified as least financially included district. There is a need for appointment of Business Correspondents for implementation of PMJDY, PMJJBY, PMSBY and APY in the districts.

The development of women through the formation of SHGs and linkages with the bank is taken up through NGOs and SHPI supported by NABARD. They are projected to be the ideal developmental tool to ensure access to banking services in the years to come in conjunction with socio–economic empowerment of the women and the resultant all round development of the two districts. Scheme for promotion of Women SHGs has also been taken up in Lawngtlai district.

Further, development of farmers through farmers clubs (FCs) and formation of Joint Liability Groups (JLGs) has also been taken up for both the districts through NGOs and Banks. The formation of FCs and JLGs would definitely ensure development of farm sector in the districts. The problem of availing institutional credit can also be mitigated through group mode.


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Broad Sector- Wise PLP Projections-2016-17 Lawngtlai (Rs. Lakh) Sr. No

Particulars PLP Projections 2016-17

A Farm Credit i) Crop Production, Maintenance and Marketing 981.75

ii) Term Loan for Agriculture and Allied activities 719.35 Sub-Total 1701.10 B Agriculture Infrastructure 17.06 C Ancillary Activities 97.38 I Credit Potential for Agriculture (A+B+C) 1815.55 II Micro, Small and Medium Enterprises 1701.61 III Export Credit 0.00 IV Education 17.55 V Housing 1779.50 VI Renewable Energy 0.00 VII Others 240.00 VIII Social Infrastructure involving bank credit 0.00 Total Priority Sector (I to VIII) 5554.20 Broad Sector- Wise PLP Projections-2016-17-Saiha (Rs. Lakh) Sr. No

Particulars PLP Projections 2016-17

A Farm Credit i) Crop Production, Maintenance and Marketing 561.72

ii) Term Loan for Agriculture and Allied activities 390.29 Sub-Total 952.01 B Agriculture Infrastructure 15.76 C Ancillary Activities 55.40 I Credit Potential for Agriculture (A+B+C) 1023.17 II Micro, Small and Medium Enterprises 745.12 III Export Credit 0.00 IV Education 16.20 V Housing 1162.80 VI Renewable Energy 0.00 VII Others 107.00 VIII Social Infrastructure involving bank credit 0.00 Total Priority Sector (I to VIII) 3054.29


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Crop Production, Mainte

nance and Marketing, Rs.981.

75, 17.97%

Term Loan for Agriculture and

Allied activities, Rs.719.3

5, 13.17%

Agriculture Infrastructure, Rs.1

7.06, 0.31%

Micro, Small and Medium

Enterprises, Rs.1708.28, 31.26%

Education, Rs.17.55, 0.32%

Housing , Rs.1779.50, 32.57

%

Others, Rs.240.00, 4.39%

Broad Sector- Wise PLP Projections-2016-17-Lawngtlai

Crop Production, Mainte

nance and MarketingRs.561.72

18.99%

Term Loan for Agriculture and Allied activities

390.29Rs.13.20

Agriculture Infrastructure

Rs.15.760.53%

Micro, Small and Medium

Enterprises ,Rs.703.99, 23.80

EducationRs.16.20

0.55

HousingRs.

Rs.1162.80, 39.31%

OthersRs.107.00

3.62%

Broad Sector- Wise PLP Projections-2016-17-Saiha


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Summary of Sector/Sub-sector wise PLP Projections-2016-17 (Rs. Lakh) Lawngtlai Sr. No

Particulars PLP Projections

2016-17 I Credit Potential for Agriculture

A Farm Credit i Crop Production, Maintenance and Marketing 981.75

Ii Water Resources 6.64 Iii Farm Mechanisation 39.78 Iv Plantation and Horticulture (Including sericulture) 236.39 V Forestry and Wasteland Development 5.05

Vi Animal Husbandry-Dairy 184.14 Vii Animal Husbandry-Poultry 85.68

Viii Animal Husbandry-Sheep, Goat, Piggery etc. 125.30 ix Fisheries (Marine, Inland and Brackish water) 36.37

Sub-Total 1701.10 B Agriculture Infrastructure

I Construction of storage facilities (Warehouses, Market yards, Godowns, Silos, Cold storage units/cold storage chains)

0.00

Ii Land Development, Soil Conservation, Watershed Development 17.06 iii Others (Tissue culture, Agri bio-technology, Seed Production, Bio

Pesticides/fertilizers/vermin composting) 0.00

Sub-Total 17.06 C Ancillary Activities

I Food and Agro Processing 97.38 ii Others (Loans to cooperative societies of farmers for disposing of

their produce, Agri Clinics/Agri Business Centres, Loans to PACS/FSS/LAMPS, Loans to MFIs for onlending)

0.00

Sub-Total 97.38 Total Agriculture (A+B+C) 1023.17

II Micro, Small and Medium Enterprises i MSME-Working Capital 298.31

ii MSME-Investment Credit 1403.26 Total MSME 1701.57

III Export Credit 0.00 IV Education 17.55 V Housing 1779.50 VI Renewable Energy 0.00 VII Others (Loans to SHGs/JLGS, loans to distressed persons to

prepay non-institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST)

240.00

VIII Social Infrastructure involving bank credit 0.00 Total Priority Sector (I to VIII) 5554.20


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Summary of Sector/Sub-sector wise PLP Projections-2016-17 (Rs.. Lakh) Saiha Sr. No

Particulars PLP Projections

2016-17 I Credit Potential for Agriculture

A Farm Credit i Crop Production, Maintenance and Marketing 561.72

Ii Water Resources 4.06 Iii Farm Mechanisation 43.25 Iv Plantation and Horticulture (Including sericulture) 127.85 V Forestry and Wasteland Development 3.27

Vi Animal Husbandry-Dairy 77.22 Vii Animal Husbandry-Poultry 41.49

Viii Animal Husbandry-Sheep, Goat, Piggery etc. 61.46 ix Fisheries (Marine, Inland and Brackish water) 31.71

Sub-Total 952.01 B Agriculture Infrastructure

I Construction of storage facilities (Warehouses, Market yards, Godowns, Silos, Cold storage units/cold storage chains)

0.00

Ii Land Development, Soil Conservation, Watershed Development 15.76 iii Others (Tissue culture, Agri bio-technology, Seed Production, Bio

Pesticides/fertilizers/vermin composting) 0.00

Sub-Total 15.76 C Ancillary Activities

I Food and Agro Processing 55.40 ii Others (Loans to cooperative societies of farmers for disposing of

their produce, Agri Clinics/Agri Business Centres, Loans to PACS/FSS/LAMPS, Loans to MFIs for onlending)

0.00

Sub-Total 55.40 Total Agriculture (A+B+C) 1815.55

II Micro, Small and Medium Enterprises i MSME-Working Capital 124.19

ii MSME-Investment Credit 620.94 Total MSME 745.13

III Export Credit 0.00 IV Education 16.20 V Housing 1162.80 VI Renewable Energy 0.00 VII Others (Loans to SHGs/JLGS, loans to distressed persons to

prepay non-institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST)

107.00

VIII Social Infrastructure involving bank credit 0.00 Total Priority Sector (I to VIII) 3054.29


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District - Division -

255724

161na

255710 Normal 2011 2012 2013185597 2098 NA 2685.00 1918.5011674 NA -587 180

500 Balance6809 NA230

649329615 Nos. % to Total Ha. % to Total13772 8275 70.84 5097.81 52.7114131 2931 25.09 3515.66 36.35

359 476 4.07 1057.49 10.93102.61 11682 100.00 9670.96 100.00

29.19 Total Male Female Rural Urban20.43 117 60 57 117 613.15 NA NA NA NA0.61 NA NA NA NANA 63.00 37 26 NA NA

12.61 NA NA NA NA NA

28.25 NA NA28.25 NA NANA NA NA

113 NA NANA 6 2

35 305

NA 0 NA6 730 NA

NA 344.50 0NA NA 0

NA NA38066.0 NA 9

NA NA 11958.01958.0 NA 0

NA 995.95 NANA 0 NANA 16 0

2257.00 23 0

No of units Cap.[MT]NIL NIL Area (Ha) Prod. (MT) Area (Ha) Prod. (MT)NIL NIL 5795 7710 6207 8936 1386.94NIL NIL 485 679 509 710 1397.38NIL NIL 70 64 139 92 746.41NIL NIL 137 61 206 116 516.03NIL NIL 54 691 59 696 12274.34NIL NILNIL NILNIL NIL

Category of animal Total Male Female 1 0Cattle - Cross bred 1.293 NA NA 4 0Cattle - Indigenous 2.360 NA NA 1 NABuffaloes 0.112 NA NA 0 NASheep - Cross bred - NA NA 0 NASheep - Indigenous 0.004 NA NA NA 0Goat 2.799 NA NA 1 0Pig - Cross bred 31.879 NA NAPig - Indigenous 5.505 NA NA Fish 350 NAHorse/Donkey/Camel 0.065 NA NA Egg 31 NAPoultry - Cross bred 68.892 NA NA Milk 949 NAPoultry - Indigenous 106.520 NA NA Meat 393 NA

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE

District ProfileLAWNGTLAI State - MIZORAM -

Climate TemperateNo. of Villages (Inhabited)

Soil Type Loam to Clay LoamNo. of Panchayats

Rainfall [in mm]Actual

Forest LandArea Not Available for Cultivation Variation from Normal

Total Geographical Area (Sq.km)Agro-climatic Zone Sub-Tropical

No. of Sub DivisionsNo. of Blocks

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

Permanent Pasture and Grazing Land Availability of Ground Water [Ham]

Net annual recharge Net annual draftLand under Miscellaneous Tree Crops NA NA

Total Area Reported

Cultivable Wasteland 5. DISTRIBUTION OF LAND HOLDINGCurrent Fallow

Classification of HoldingHolding Area

Other Fallow<= 1 Ha

Total or Gross Cropped Area >1 to <=2 HaArea Cultivated More than Once >2 Ha

Net Sown Area

Cropping Inensity [GCA/NSA] Total

Cultivators CategoryOf the above, Small/Marginal Farmers Population

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

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

Agricultural Labourers Scheduled CasteWorkers engaged in Household Industries Scheduled TribeWorkers engaged in Allied Agro-activities LiterateOther workers BPL

Having brick/stone/concrete houses Having electricity supplyRural Households Having source of drinking waterBPL Households Having access to banking services Having radio/tv sets

Having independent toilets

10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos]Villages Electrified Anganwadis DispensariesVillages having Agriculture Power Supply Primary Health Centres HospitalsVillages having Post Offices Primary Health Sub-Centres Hospital Beds

12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTUREVillages having Primary Schools Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos]Villages having Primary Health Centres Total N/P/K Consumption [MT] Pumpsets Energised [Nos]

Villages having Banking Facilities

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]

Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos]Net Irrigated Area(Total area irrigated at least once) 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETINGArea irrigated by Canals / Channels Rural/Urban Mandi/Haat [Nos] Wholesale Market [Nos]

Irrigation Potential Created

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 CROPSType of Processing Activity

Crop2012-13 2013-14 Avg. Yield

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

Milk (Chilling/Cooling/Processing)

Sugarcane (Gur/Khandsari/Sugar) Rice/PaddyFruit (Pulp/Juice/Fruit drink) MaizeSpices (Masala Powders/Pastes) PulsesDry-fruit (Cashew/Almond/Raisins) OilseedsCotton (Ginnining/Spinning/Weaving) Sugarcane

Artificial Insemination Centers [Nos] Fishermen Societies [Nos]

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

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

Improved Fodder Farms [Nos] Slaughter houses [Nos]

Veterinary Hospitals/Dispensaries [Nos] Animal Markets [Nos]Disease Diagnostic Centres [Nos] Milk Collection Centres [Nos]

Animal Breeding Farms [Nos] Fish seed farms [Nos]Animal Husbandry Tng Centres [Nos] Fish Markets [Nos]Dairy Cooperative Societies [Nos] Poultry hatcheries [Nos]

19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITYProduction [MT] Per cap avail. [gm/day]Production [Lakh Nos] Per cap avail. [nos/p.a.]

Sources (if not mentioned against the respective item): Statistical Handbook - Mizoram - 2014, Dir. of Eco. & Stat., Statistical Abstract 2013-14

Production ['000 MT] Per cap avail. [gm/day]Production [MT] Per cap avail. [gm/day]


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executive summary - national bank for … · executive summary the theme for plp 2016-17 continues...

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