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NORTH GOA DISTRICT

ANNUAL CREDIT PLAN 2016 – 17

EXECUTIVE SUMMARY

The Annual credit Plan has been prepared with aggregate credit plan of Rs. 2981.91 crores. The total plan for the district is increased by Rs. 620 crores. As per the revision in the Priority sector guidelines of RBI, the categories under priority sector have been reclassified as:

(i) Agriculture(ii) Micro, Small and Medium Enterprises(iii) Export Credit(iv) Education (v) Housing (vi) Social Infrastructure(vii) Renewable Energy, and(viii) Others

Further Agriculture is subdivided as Farm Credit, Agri. Infrastructure and Agri. Ancillary activities. FARM CREDITCrop Loans: Agriculture contributed only 2.13% to total GSDP as at the end of 31.03.2014. Due to urbanization, absentee landlordism, fragmented land holdings, high labor cost and more remunerative opportunities in small businesses and service, agriculture sector has been in a state of decline. To revive interest in agriculture and make it attractive to farmers, the State Govt. has proposed a number of measures, viz., interest subvention scheme for all agri and allied loans extended to Cooperative Banks, Commercial Banks and PACS upto `5 lakhs, subsidy ranging from 50% to 90% for agricultural machinery, fencing, purchase of inputs, cash incentive for SRI farmers, assured price for major crops, etc. The JLG concept has picked up in the District. Agri. and Allied sector term loans: The credit off take of agri. and allied term loans is hampered by lack of proper title deeds for creating effective mortgages for collateral security purposes. However, the State Govt.’s developmental schemes have given a positive fillip for capital formation in agriculture sector. The momentum is expected to continue in the coming years too. Increase in credit off take as term loans is prominent in minor irrigation, land development, farm mechanization, plantation and horticulture, dairying fisheries.

Agri. Infrastructure:

[North Goa ACP 2016-17]

State subsidy schemes are available for solar fencing, production of organic manure and construction of vermicopost and central subsidy schemes for godowns and cold storages. There is a need for storage godowns, cold storages in private sector and market yards in the State are in need of repairs, renovation and strengthening.Agri. ancillary activities: Credit for food processing activities, especially in cashew and marine sector, have a continuous demand. The National Mission on Food Processing is implemented through DITC in the State. 25% subsidy on capital cost (max. of Rs. 50 lakhs) is available for new industries as well as for expansion of existing units. Besides, fiscal rebates like income tax rebate and excise duty rebates on processed foods are expected to attract more investment. Farmers are also slowly realizing the need for shifting to entrepreneurial mode for reaping better returns.Micro Small and Medium Enterprises:There are 1806 SSI units in the district with majority of them in Bardez and Bicholim blocks. There is a proposal for expansion of 4 industrial estates (Pernem, Bardez, Tiswadi and Bicholim). The proposed areas are Latambarcem and Carambolim in Bicholim and Tiswadi blocks, respectively. Establishment of micro industrial zones in each taluka during the next two years to encourage small entrepreneurs is also proposed. The State Govt. has rolled out ‘Goa Investment Policy 2014’ with the major objective of creating 50,000 jobs in the next five years and facilitating Rs. 25,000 cr. of new investment in Goa in the next five years. The thrust areas of new policy are Knowledge based industry, R&D centers and financial services, Pharmaceuticals & bio-technology, Integrated educational hubs, Tourism, Light engineering, Aviation, aerospace and defense, Information Technology, Hardware and Electronics and Agro-based processing industries. The new industrial policy is expected to attract fresh investments under medium and large industries.South Goa predominantly has micro manufacturing and service units followed by small manufacturing and service units. There is a growing need for credit from SRWTO and Small business and service sector in Goa.Export Credit:Export credit is availed by Pharma companies, Light engineering industries and Defence component manufacturing industries, mining companies and cashew processors. Educatioin:Goa has few professional colleges and students often move outside the State for higher education. Education loan is the preferred source of funding for students.Housing:In Goa, construction sector is flourishing industry and housing loans at affordable rates are attractive for buyers desirous of small flats or [North Goa ACP 2016-17]

housing units. Being a tourist location too adds to the demand for housing units and housing credit.

Renewable Energy Sources:The focus of GoI is on renewable energy sources, with emphasis being placed on captive solar energy generation plants. However, at the user level, solar water heaters, solar PV systems for lighting are gaining prominence. Goa has been allocated a target of 30 solar pumps for irrigation purpose with the intention of moving farmers away from electricity/diesel pumps. The use of biomass by briquetting is being promoted by Goa Energy Development agency with a 25% subsidy on briquetting units.Social Infrastructure:In Goa, except Panaji all other towns have population of less than 1 lakh and hence bank loans for social infrastructure activities namely schools, health care facilities, drinking water facilities and sanitation facilities are eligible for coverage under this head in eleven blocks of the State. Waste disposal in hotels, bakeries and school hostels using Biogas technology holds scope for social infrastructure finding. Basic sanitation facilities required strengthening in schools and with the emphasis on Swachh Barat, credit off take is expected in these sectors too.Others:JLG funding has taken off in Goa, with intervention of NABARD through projects sanctioned to a few NGO’s and a private sector Bank. 99% of these loans are less than Rs. 50,000 per member and for non – farm activities. Besides, the low credit linkage of SHGs provides scope for lending to Banks.

*******

LEAD BANK NORTH GOA


BROAD SECTOR WISE ACP PROJECTIONS(2016 – 17)

(Amount in lacs)Sr.No. Particulars

Financial Outlay 2016-17

Projections 2016-17A Farm Credit

i Crop Production, Maintenance and Marketing 20099.50

ii Term Loan for agriculture and allied activities 18298.73

Sub Total 38398.23

B Agriculture Infrastructure 2215.00

C Ancillary activities 2074.66

I Credit Potential for Agriculture (A+B+C) 42687.89

II Micro, Small and Medium Enterprises 157959.88

III Export Credit 20625.00

IV Education 31500.00

V Housing 46500.00

VI Renewable Energy 313.88

VII Others 1940.00

VIII Social Infrastructure involving bank credit 4008.75

Total Priority Sector (I to VIII) 305535.40


DISTRICT PROFILE

North Goa district comprises of 5 blocks.


GEOGRAPHICAL LOCATION:North Latitude 15 47’ 59’’East Latitude 15 16’ 22’’AREA: 1463 Sq. K.M.SOIL: Mostly laterite, sandy loam to silt loam.CLIMATE: Warm and humid tropical climate. Rainfall 2800 mm, Humidity 75.9%LAND UTILIZATION PATTERN:Khajan Land: Low lying area, often below sea level, along the estuaries. Paddy is grown followed by Rabi vegetables.Kher Land: Low elevation above sea level having high water table. Sandy to Sandy Loam soil. Multiple Cropping is done through irrigation.Marod Land: Upland terraced. Field is suitable for Horticulture and Plantation.MAJOR CROPS GROWN:

Crop

Avg. area

2012-13 2013-14 2014-15*

(last 5 yrs) Area Prodn Area Prodn Area

Area (excl.

ponda) *

Prodn *

Productivity*

Paddy 25400 25400 102133

22010 97526 21205

17225 76324

4431Pulses 8589 8589 7747 6775 7466 7210 7210 6806 944Groundnut 3108 3108 7469 2591 6589 2271 2271 4290 1889Sugarcane 143 143 7704 140 7902 129 124 7553 60910Vegetables 3701 3701 44538 3829 43693 3940 3338 3808

011408

Total 41886 41886 35345 30168

*(Area in hectares, Production in tones & Productivity in average yield (kg/ha)

IRRIGATION:

Out of total cultivable area of 1.54674 lac hectares, 0.21064 lac hectares are under irrigation. District is having two major irrigation project named Tillari Irrigation Project and Anjuna Irrigation Project having command area of 3897 ha. Area irrigated by wells is about 4094 hectares.

DAIRY DEVELOPMENT:There is one co-operative dairy society registered in the State. Total livestock as per 2007 census is 60599 in the district. The production is 37 M.L. per annum which is consumed in local market[North Goa ACP 2016-17]

POULTRY:Poultry activity is concentrated in Sattari, Tiswadi and Bicholim blocks. Poultry population in the district is 1, 28,969lacs. Eggs production per year is aprox. 30 lacs; which is not sufficient for the district. Major part of the requirement of eggs supplied from adjacent States.FISHERY:There is large untapped potential in fisheries and aquaculture in the district. Though river length of 532 k.m. is available for the fishery activity, the activity is concentrated in marine water only.TRANSPORT AND COMMUNICATION:North Goa district has network of 859.37 k.m.motorable roads of which 65 k.m. is National highway. In the district Kadamba Transport Corporation (Govt. Undertaking) has got good coverage in rural area. RAILWAY:Total length of Broad gauge railway line passing through the district is 41 K.m. on Mumbai – Trivendram rail of Kokan Railway. There are 3 railway stations in the districts. The district head quarter is not linked with railway line. Nearest Railway Station, Karmali, is 12 km away from Panaji City the District Head Quarter and State Capital of Goa State.AIR:Goa is directly connected by air to Mumbai, Pune, Ahmedabad, Hyderabad, Kolkata and Delhi and to other major cities through Mumbai.POST AND TELEGRAPH:There are 131 Post Offices and 5 Telegraphic Offices in the district. Out of total 366 villages, 134 villages are having Post office facility.MARKETING AND PROCESSING UNITS:There is no Agricultural produce market committee and no sugar factory in the district.

INDUSTRIAL DEVELOPMENT:Industrial growth estates are located at 9 places in the District. No cooperative industrial estate exists in the district.EXISTING INDUSTRIAL INFRASTUCTURE IS AS UNDER:

Taluka Industrial

estates

Micro units

Small units

Medium units

Large units

Total SSI

units[North Goa ACP 2016-17]

Bardez 4 644 71 19 23 757

Pernem 1 183 14 0 3 200

Bicholim 1 272 23 2 16 313

Sattari 2 173 19 2 9 203

Tiswadi 1 194 122 7 10 333

Total 9 1466 249 30 61 1806

INDUSTRIAL CLUSTER SCENARIO OF THE DISTRICT:There is no industrial cluster in the district.SPECIAL ECONOMIC ZONE (SEZ): There is noSEZ identified in the district. All the 9 Industrial estates are owned by Govt. of Goa and there is no Cooperative Industrial Estate in the District/State.BANKING INFRASTRUCTURE:North Goa District has good network of bank branches. The position of bank branches under is as under:

Particulars Urban Semi-Urban Rural Total

Commercial Banks -- 172 146 318

Regional Rural Bank -- Nil Nil Nil

District Central Co-op. Bank -- Nil Nil Nil

Goa State Coop. Bank Ltd -- 13 16 29

TOTAL -- 185 162 347

There are 73 Primary Agriculture Credit Cooperative Societies (PACS) registered in the district, out of which 47 are functioning. The GSCB is having 29 branches in the district; fourteen urban co-operative Banks are operating in the district through 53 branches. The area wise details of branches of urban co-operative banks are as under:

Name of Urban Coop. Bank Urban Semi-UrbanRural Total


Bicholim Urban Coop. Bank Ltd -- 7 7

Citizen Co-operative Bank Ltd. -- 1 1

TJSB Co-operative Bank Ltd. -- 2 2

Madgaon Urban coop. Bank Ltd -- 1 1 2

Mapusa Urban Coop. Bank Ltd -- 7 11 18

Goa Urban Co-operative Bank -- 7 7

Saraswat Cooperative Bank Ltd -- 5 5

ShamraoVithal Coop. Bank Ltd -- 1 1

Women Cooperative Bank Ltd -- 2 2

PMC Co-operative Bank ltd -- 3 3

Konkan Mercantile Bank Ltd -- 1 1

NKGSB Co-op Bank ltd -- 2 2

ApnaSahakari Bank Ltd -- 1 1

GopinathPatilParsikSahakari Bank -- 1 1

TOTAL -- 41 12 53

CHAPTER - I

NORTH GOA DISTRICT PROFILE

1.1 The State of Goa is divided two districts viz. North Goa & South Goa. The separate Districts of North Goa and South Goa were formed with effect from August 1988. North Goa District consisted of 6 Blocks


namely Pernem, Sattari, Bicholim, Bardez, Tiswadi and PondaTalukas with 261 villages. Govt. of Goa vide notification No. 37/2/2014-RD dated 22.01.2015 has removed Ponda block from North Goa and included in South Goa district. Now, North Goa district consists of 5 blocks (Pernem, Sattari, Bicholim. Bardez and Tiswadi) with 172 villages.1.2 Location and Physiographic of North Goa District1.2.1 North Goa District as the name suggests covers the entire northern part of Goa State and is bounded by the Arabian Sea on its West, the TerekholRiver on the North which separates Goa State from Sindhudurg district of Maharashtra, by Belgaum District of Karnataka State in North-East and by the district of South Goa on the South. The District of North Goa is situated between the latitudinal parallels of 15 degree 47’ 59”N and 15 degree 16’22”N and the longitudinal parallel of 73 degree 40”54”E and 74 degree 16’89”E. The total geographical area of the District is 1463.13 Sq.k.m. As per the Surveyor General of India, the altitudes of the towns of this district range between 20 and 23 meters above the sea level.1.2.2 North Goa District has 5 municipal towns as mentioned below which serve as the Head

quarters for the respective Block, except Sanquelim.

Name of the Block Name of the Block head quarter

Pernem Pernem

Sattari Valpoi

Bicholim Sanquelim

Bardez Mapusa

Tiswadi Panaji


1.2.3 The details of block wise service area villages in North Goa District area as follows. ALLOTMENT OF VILLAGES / SSAs TO BANKS IN NORTH GOA

Name of Bank Villages SSAs Villages SSAs Villages SSAs Villages SSAs Villages SSAs Villages SSAs

State Bank of India 3 (1) 3 (1) 7 (4) 4 (1) 4(2) 4(2) 45 (2) 19(2) 0 0 59 (9) 30(6)

Bank of Baroda 3 2 3 2

Bank of India 6 (1) 3 3 (2) 5 (4) 11 (11) 4 (4) 20 (14) 12(8)

Corporation Bank 1 1 9 (1) 9 (1) 10(1) 10(1)

Union Bank of India 3 (1) 2 3 (1) 2

Central Bank of India 10 (9) 5 (4) 6 (4) 3 (1) 2 1 12 (12) 4 (4) 1 1 31 (25) 14(9)

Canara Bank 1 1 1 1 3 (3) 2 (2) 2 2 7(3) 6(2)

Dena Bank 5 4 5 4

Syndicate Bank 3 (3) 3 (3) 3 (3) 3 (3)

The Goa State Co-op. Bank Ltd. 3 (1) 3 (1) 2 2 3 2 8 (1) 7(1)

Indian Overseas Bank 3 2 1 1 1 1 3 2 8 6

HDFC 1 1 1 1 1 1 3 3

Bank of Maharashtra 1 1 1 1

Total 21 (10) 17 (5) 22 (4) 13 (1) 17 (8) 19(9) 71(23) 29(8) 27(2) 23(1)

1.3ClimateThe Climate of the district is warm and humid with an average rainfall of 3000 to 3200 mm per year from June to September. The temperature ranges between 18 & 35 C. The minimum temperature is reported during the month of December/January and the maximum during April/May.1.4 Population1.4.1 The population of the North Goa District is 652178 as per 2011 census, which shows a net increase of 7.58 % over the census population of 2001. The rural population is 262748, whereas the urban population is recorded at 389430.


1.4.2 The District has recorded literacy rate of 83.5%.1.5Economic Importance1.5.1 The North Goa District is rich in natural resources such as forest, navigable rivers minerals like Iron, Manganese and Ferro-Manganese. The District has a beautiful coastline with world famous beaches like Dona Paula, Calangute, Baga, Anjuna, Vagator, Arambol etc. 1.6.Economic Activities in the district1.6.1 The Industrial activity in the district except for mining was small. This scenario has undergone a tremendous change during the years. Presently the main activity in the district is tourism. The concept of eco-tourism is also taking shape in the district. The infrastructural facilities required for this industry like roads, telecommunications, hotels etc. are fairly good. 1.7 Land use pattern The Land Holding pattern indicates that 77% of the land holdings are below 1 ha, 13% are between 1 & 2 ha. and the remaining 10% are above 2 ha. Based on the latest cadastral survey records, the taluka wise/land wise pattern for North Goa District has been compiled by the Town and Country Planning Department in 1982. The coastal blocks like Tiswadi&Bardez have more paddy land, as compared to other blocks. The major area under horticulture crop is occupied by cashew plantation followed by coconuts supplemented by mango, pineapple, banana, chickoo etc. The District is mostly a hilly terrain on the Northern & Eastern boundaries and there are large patches of cultivable wasteland in Sattari, Pernem&Bicholim blocks.1.8Agriculturei) Agriculture is the third important economic activity of the district. The major seasonal crops are paddy, vegetables, cereals & pulses etc. and sugarcane. The important plantation crops are coconut, mango, cashew, banana, areca nut, jackfruit and pineapple etc. Sugarcane and Rubber crops are also cultivated in the State on a commercial basis in the command area of Anjunem, Salaulim&Tilari irrigation Projects. Sugarcane & banana crops are cultivated on a relatively large scale in the blocks of Sattari and Bicholim. Paddy crop


is grown in Kharif and Rabi season. The Talukas lying in the coastal belt like Tiswadi, Bardez, Pernem have more areas under Paddy. ii) The district offers good scope for the development of horticulture crops like coconut, mango, cashew, rubber, sugarcane, etc especially under irrigated conditions. The Talukas like Sattari, Bicholim and Pernem are having a large coverage for garden crops. Mango and cashew nuts are exportable commodities. However, the area covered by the mango plantation is small. The other fruit crops include bananas, pineapple and jackfruit. Different kinds of vegetables are also grown in the district especially in the coastal blocks. They include brinjal, radish, cucumber, pumpkins, sweet potatoes, chilies, onions, etc. Such crops are cultivated mainly in the irrigated areas.1.9Irrigation Resources1.9.1 The irrigated area of the district is 20883.20 hectare i.e. 25.44% of the net sown area of 82092 ha. Zuari and Mandovi, the most prominent rivers in the State are flowing through the District.1.9.2 The major surface water reservoirs are Anjunem Project (capacity 46200 ha.) and Tillari Project (capacity 16263.20 ha).1.9.3 As per the Central Trend Water Development Board all the five blocks in the district have been categorized as “White” (level of exploitation below 65%) and the annual growth rate is around 0.5%. The ground level potential has been taped to a limited extent. Budgetary support & NABARD assistance for minor irrigation under RIDF have been contributing to the gradual increase of irrigated area.1.9.4 The State Water Policy, finalized in 2001-02, indicates exploitable groundwater for the State at 150 mm3. Present state of Ground Water Development is 27%. State Govt. has come up with a legislation for extraction and management of groundwater, mainly with a view to restrict the use of groundwater for industrial purposes.1.9.5 The pace of demand for drip and sprinkler system of irrigation is gradually accelerating due to the interest shown by the large farmers doing horticulture.

1.10Infrastructural Facilities


The infrastructure existing in the State/district is excellent. The district has done extremely well in terms of performance indicators relating to Health, Power, Communication, Education etc. The details of the infrastructure facilities available from the various Government Departments to the Priority Sector Programmes have been furnished separately. The State Govt. has created one Infrastructure Development Corporation for speedy implementation of various infrastructure projects.1.11Trends in Agriculture1.11.1 The Agricultural activities have good prospects in Goa in general and North Goa in particular in view of medium Irrigation projects like Anjunem&Tilari Irrigation Projects. The Tillari Medium irrigation project will irrigate the Pernem, Bicholim&Bardez blocks extensively. In non-command areas minor irrigation schemes can be effectively implemented due to high underground water tables. Due to uneconomic returns on account of higher labour and inputs costs, the diversification of traditional agriculture is of late receiving attention. The district offers good scope for horticultural crops particularly for the cashew plantation as there is ready market for the produce in the State itself. The Central Government has also extended the National Horticulture Mission to Goa, which provides the necessary support through the Department of Agriculture. The Mission also promotes high value flowers like orchids, Gladiolus, Gerberas and Anthuriums and other commercial crops grown in a special environment. The Department of Agriculture also implements a number of schemes, both State and centrally sponsored. There is scope for increasing sugarcane cultivation as the only sugar factory in the State procures sugarcane from the growers and for which support price is available from the Government besides other incentives. Shortfall in supply of sugarcane is met by procuring sugarcane from the neighboring states.1.11.2 The Department of Agriculture provides support by way of subsidies, training facilities, custom services for agricultural machinery and implements etc. for promoting agriculture in the State. Every effort is being made by the State Government for increasing agricultural output in the State through the Dept. of Agriculture and


other agencies. The National Crop Insurance Scheme is also implemented in the State. The Govt has started on pilot basis the cultivation of high yielding rice varieties.1.13Animal Husbandry1.13.1 This Sector plays an important role in providing additional income as well as employment to farming community in the District. The main activities under this sector include dairy farming and poultry farming for eggs and meat. Goat and Pig rearing is also undertaken on a small scale.1.13.2 Dairy activity is mainly undertaken as a supplementary source of income by the farming community. The present milk production is far below the requirement of the district. State produces only 85000/- liters milk per day as against the requirement of 250000 liters and the remaining is procured from the neighboring States. Although lot of support facilities are available from the Govt./Animal Husbandry Dept., like veterinary hospitals/dispensaries, educational training programmes, collection facilities for milk through dairy societies and availability of 75-90% subsidy on cost of animals, the activity is not picking up in the District to the desired level. The major constraints are non-availability of green fodder, non-availability of good quality animals and the climate not ideally suited for proper maintenance of hybrid animals. The scheme of KAMDHENU SUDARIT has shown good results from the time it has been in operation. 1.13.3 The State/district has high consumption of poultry produce being a tourist destination as also the local population having non-vegetarian eating habits. There are many poultry units in the district but the activity is showing a declining trend during the last few years as the cost of production like feed, labour etc. is quiet high and cannot compete with the units in the neighboring States from where the produce is imported.1.14Fisheries

Fishing is one of the important activities in the district due to eating habits of the local people as well as tourists visiting the State in large number. Both traditional as well as mechanized fishing is undertaken. However due to saturation of fishing boats, it has led to exploitation of


fishing resources. Catching of fish in the breeding seasons has also added to this exploitation. The Govt. of Goa HAS PUT a ban of 75 days on fishing during the spawning season as a measure to help improve the fish catch.1.15 Non farm Sector1.15.1 Mining and export of iron and manganese ores have been the main traditional economic activities in the State. The important mining belts in the district are in Bicholim block. Due to the ban on mining imposed by the Supreme Court, the economy of Goa has taken a big hit and there are huge NPAs looming in the future. Recently, the Supreme Court has lifted the ban and mining may start after monsoon. Focus has shifted toward SSIs, which employ large section of skilled and unskilled rural population. The Govt. of late has given focused attention to IT sector, e-governance etc. There are units related to manufacture of food products, metal products, paper products, pharmaceutical products etc. The district has many village industrial activities like clay pottery, brass works, furniture products, leather products, mat/basket weaving etc. Goa with its abundant natural resources in the form of forest produce, cashew and coconut plantation has enough to offer to encourage entrepreneurs for setting up eco-based industries in the district/State. The Govt. lays conscious emphasis on setting up of labour intensive export oriented non-pollutant and non-hazardous industries etc. Govt. is also proposing to set up Agri-Export Zone for cashew industry in Goa. There are 22 industrial estates in the State out of which 9 are in the North Goa district.1.15.2 The Services sector is built around tourism and transport. About 30% of the services sector units in the district account for the hospitality industry. The other priority sector activities relate to the business sector. The visit of large number of tourists, both domestic and foreign have created employment opportunities and capital formation in transport, retail trade and hospitality sectors. 1.16 BANKING CREDIT DELIVERY SYSTEM


The State Bank of India with its network of 46 branches (as on 31.03.2016) in the district is the Lead Bankt. The district has an extensive network of 397 bank branches.

CHAPTER II

Review of performance under Annual Credit Plan during the years

2010-11, 2011-12, 2012-13, 2013-14 and 2014-15

2.01 A table showing sector-wise performance of all the financial institutions under Annual Action Credit Plan for the financial years 2013-14, 2014-15 and 2015-16 is given below:

(Rs in lacs)

SECTOR ACP2013-14

ACP2014-15

ACP2015-16

Agri Crop Loan C 19865.20 24627.26 22336.88

P 18332.00 7513.86 16445.98

% 92 30.51 73.63

Agri Term Loan C 15570.39 20948.57 20552.49

P 20915.00 17568.71 12281.56

% 134 83.87 59.76

Industries C 38374.05 42679.12 36636.23

P 12339.00 22417.87 51026.77

% 32 52.53 139.28

Services C 137032.50 156508.32 156663.53

P 152800.00 199304.54 150640.41

% 111 127.34 96.16

Total

C 210842.14 244763.27 236189.13

P 204385.00 246805.98 230394.72

% 97 100.83 97.55

2.2GOVERNMENT SPONSORED SCHEMES


PMEGP, KVIC/KVIB Margin Money are the Central Govt. Sponsored schemes & KAMDHENU SUDARIT and Biogas are State Govt. sponsored schemes implemented in the district. The National Rural Livelihood Mission (NRLM) and National Urban Livelihood Mission (NULM) are yet to be implemented in the State of Goa. The performance under these schemes is being monitored at the fora like BLBC, DCC, Standing Committee of DCC, DLRC and SLBC. The co-ordination between the Banks and the Govt. functionaries is good. However both the number of cases sponsored and number of cases sanctioned/disbursed lags behind targets. The details of performance of Govt. Sponsored schemes are given in annexure. 2.6.1CREDIT DEPOSIT RATIO, PRIORITY SECTOR ADVANCES

ETC. OF ALL FINANCIAL INSTITUTIONS

(Rs in Cr)Sr.No

Sector 31.03.12

31.03.13

31-03-14

31-03-15

31-03-16

1. Deposits 23375.77

23651.66

29187.11

31799.71

34002.44

2. Advances 7640.84 8453.93 11009.26

10564.12

11388.69

3. CD Ratio % 32.68 35.74 38.00 33.22 33.49

4 Priority Sector 2928.33 3150.08 3915.20 4073.71 3992.59

5 % Priority Sector to total Advances 38.32 37.26 35.56 38.56 35.06

6 DIR 0.19 1.70 2.12 3.61 0.96

7.% DIR to Total Adv. 0.01 0.01 0.02 0.03 0.01

8. weaker section 286.96 337.46 233.24 268.46 329.60

9.% Weaker Section Adv. to Total Adv.

3.75 3.99 2.12 2.54 2.89

2.7 Credit Deposit RatioThe Credit Deposit Ratio is an important indicator of economic development. The C:D ratio of the district as on 31-03-2016 was 33.49% as against the stipulation of 60%. The C: D ratio of both the districts in the State is below the stipulated level of 60% on account of heavy influx of foreign remittances without matching demand of credit. [North Goa ACP 2016-17]

CHAPTER III

DEVELOPMENTAL PROGRAMMES IN THE DISTRICT

3.1Development of Agriculture/Allied ActivitiesAgriculture is the second major activity in the district next to tourism. The following programmes/schemes are implemented in the district with the help of various agencies like Directorate of Agriculture, Department of Animal Husbandry and Veterinary Services, Fisheries Dept., Goa State Horticulture Development, Rubber Board, Goa Bagayatdar Co-op. Society, ICAR etc.3.2 The following programmes/schemes are implemented in the

District.i) Rubber Plantationii) Red Oil Palm Plantationiii) State/Centrally sponsored programme for the Development of

Horticulture/ Cashew/Coconut.iv) National Horticulture Mission Schemesv) Integrated Cereal Development Programme (Rice), National

Pulses Production Programme and Oilseed Production Programme.

vi) Programme on National Watershed Development - National Watershed Development Project for Rain fed Areas.

vii)Development of Sugarcane Based Cropping System Areas.viii) Central Govt. Sponsored Schemes implemented by NABARD.Ix) National Agricultural Insurance Scheme.

3.2.1 Rubber PlantationThe climate and soil condition of Sattari and BicholimTalukas are favorable for the growth of Rubber. The Rubber Board with its office at Ponda (Goa) promotes development of Rubber in Goa. High yielding stumps at subsidized rates and subsidy support for maintaining irrigation and plant protection are provided besides technical guidance.3.2.2 Red Oil Palm Plantation

The North Goa district has been considered agro climatically suitable for oil palm cultivation which yields more income than the traditional plantation crop such as coconut, cashew etc. In order to encourage


the farmers to adopt the new cropping pattern the Government of Goa in collaboration with M/s Godrej Soaps (P) Ltd is taking several measures to propagate this innovative plantation crop in the district. Approximately an area of 1200 Ha can be brought under cultivation of oil palm of which so far about 839 ha have been covered in the state and 334 ha in North Goa district. Present production of fresh fruit & bunches is 2071 tones in the state and 825 tons in the district. The scheme is supported by subsidy. 3.2.3 Directorate of Agriculture, Govt. of Goa has published a Booklet on Developmental Programmes of Department of Agriculture. The details of various schemes are enclosed at the end of this chapter.3.2.4 State/Centrally sponsored programme for the Development of Horticulture/Cashew/CoconutUnder the State Plan Schemes for development of Horticulture financial assistance is available for development of all Horticulture crops, Area expansion under banana, promotion of mushroom etc. Subsidy assistance up to 5 lacs is also available for development of horticulture on commercial lines.Cashew is an important Horticulture crop of the district. From the year 1990 onward the Agriculture Department has been implementing rejuvenation and expansion programme under which subsidized quality grafts have been supplied to the farmers. This has resulted in the increase production of cashew per tree. Grafts supplied to the farmers are produced on Government farms and private nurseries recognized by the Government. Financial assistance for the cultivation of cashew, for manure and moisture conservation is also given by the department.Total area under cashew cultivation in the district is 37260 ha and production is 16208 tons.3.2.5 Coconut Development Board scheme

This programme is introduced by the Coconut Development Board through Directorate of Agriculture. Minimum area of 0.2 ha is required to be covered. Assistance by way of subsidy is released after planting. Assistance for laying out demonstration plot and also for organic manure production unit in coconut gardens is also provided.


Assistance provided for area expansion and for inputs such as manure & fertilizers.3.2.6National Horticulture Mission SchemeThe programmes under National Horticulture Mission scheme are extended to Goa from the year 2005-06 with 100% assistance from the Govt. of India the programme provides assistance for the following components :-

a. Assistance for establishment of Nurseryb. Assistance for establishment of new gardensc. Assistance for cultivation of flowersd. Spices and medicinal cropse. Plantation and coastal agricultural crops such as cashewf. Rejuvenation of senile plantationg. Protected cultivation h. Promotion of Integrated Pest Managementi. Promotion of Organic farmingj. HRD - Human Resource Developmentk. Vegetable Minikitsl. Post-Harvest Management

3.2.7Integrated Cereal Development Programme (Rice), National Pulses Production Programme and Oilseed Production ProgrammeThese programmes provide incentives on input cost, training with stipend, support for pest management, minikits, seed subsidy and field demonstration programmes.3.2.8Development of Sugarcane Based Cropping System AreasUnder this programme input assistance is given for laying demonstration on advance technology in sugarcane cultivation in the farmers' fields and also to raise sugarcane nursery. Special assistance is also available for creating minor irrigation structures, pumps, pipelines and transport subsidy for getting seed material/tissue culture plantlets from outside states.3.2.9Central Govt. Sponsored Schemes implemented by NABARD


The Govt of India has introduced several credit linked subsidy schemes for the agriculture sector. The scheme which are implemented through NANARD in the State/District are given below:

a. Capital Investment Subsidy Scheme for construction/ modernization /expansion of cold storages and storages for horticultural produce.

b. Capital Investment Subsidy scheme for construction/renovation/ expansion of rural godowns.

c. Rain Water Harvesting Scheme for SC/ST farmersd. Scheme for development/strengthening of agricultural marketing

infrastructure, grading and standardization.e. Capital investment subsidy scheme for commercial production

units of organic inputs under National Project on Organic Farming

f. Scheme for women SHG3.2.10National Agricultural Insurance SchemeNational Agricultural Insurance scheme is implemented in the State from Rabi 1999-2000 seasons. The notified crops are Paddy, Pulses, Ground nut & Sugarcane. The scheme provides insurance cover to the farmers in the event of failure of crops as a result of natural calamities, pest and diseases. The loanee as well as non-loanee farmers growing these crops can be covered under the scheme. 3.3 Animal Husbandry

a) Dairy Developmentb)Poultry Developmentc) Sheep, Goat & Pig Rearing

The Department of Animal Husbandry & Veterinary Services, Govt. of Goa is the key agency involved in the development of the above activities in the State/district. For Dairy it implements two major Schemes:(i) Modern Dairy Scheme and (ii) The KamdhenuSudharit Scheme.Subsidy is provided for purchase of the animals, for cultivation of fodder and for constructions of cow sheds. Subsidy is also given for calf rearing. It also provides excellent veterinary services through 3 hospitals and 8 dispensaries and 33 key village sub-centers. The other [North Goa ACP 2016-17]

facilities provided are supply of cattle feed and marketing facilities for the dairy products produced. It also implements a special calf rearing scheme which provides 100% assistance in the form of feed for calf. The other agency involved is the Goa State Coop. Milk Producers Union Ltd. which procures milk from the neighboring State to meet the shortfall. Govt of Goa has set up 38 Dudh Grams in the rural areas which will help the farmers for all their needs at the nearest place.3.4 Poultry Development/Sheep, Goat Pig RearingThe Department provides subsidy for establishing layers/broilers poultry farms in the State. The State has also 3 hatcheries (1 State Government & 2 Private Sector). Besides the Veterinary aid it also conducts training programmes.3.5 Development of FisheriesThe Department of Fisheries promotes fisheries in the State. Another agency involved is the Brackish Water Farmers Development Agency which has been set up under the UNDP assistance. The Department of Fisheries provides subsidy for the purchase of mechanized fishing boats, hulls & nets, for purchase of outboard/inboard motors etc. It also provides training, storage facilities as well as creates the necessary infrastructure like constructions of jetties etc.3.6. Development of Industries/Small Scale Industries, Tiny & Village Industries, Rural Artisans etcThe Goa Industrial Dev. Corporation has been established for the purpose of creating the infrastructure for rapid and orderly establishment of industries in the State. The following institutions also have important role to play:

1. Dept. of Industries, Trade & Commerce2. Economic Development Corporation (EDC)3. Goa Handicrafts Rural & Small Scale Industries Development

Corporation.4. Khadi and Village Industries Commission (KVIC)/Khadi and Village

Industries Board (KVIB)5. MSME - DI

3.7Development of Tourism


Goa with its beauty and enchanting coastline and rich cultural heritage has the right tourism profile for an ideal tourist destination. The State Tourism Department and the Goa Tourism Development Corporation play major role in the development of Tourism in the State jointly with other Government Department like PWD, Water Works Dept. etc.The forest department has been identified as a Nodal Agency for promoting eco-tourism in the State. The Govt of Goa is positioning the state under Medical Tourism.3.8National Biogas Dev. ProgrammeThis programme is implemented by the Department of Agriculture and KVIC in Goa. The State Govt. also gives subsidy in addition to the Central subsidy.3.9Forester & Wasteland Development The Forest Department has launched two projects on medicinal plants which are fully funded by the Govt. of India. Under in-situ conservation, over 75 ha of forest areas was covered with Medicinal Plant species and 15 ha farmland under ex-situ conservation through the motivation of farmers and involvement of local people. To create awareness on medicinal plants demonstration plots of medicinal plants have been established at the Forest Training School Campus at Valpoi in the North Goa district. A model medicinal plants garden has also been created at Raj Bhavan, Dona Paula.The Govt. of Goa has also introduced the Joint Forest Management (JFM) activity through Goa Forest Development Corporation. The JFM activities are mainly introduced for cashew production and it has been decided that in every year 10% of the area for cashew plantation is to be covered underCare & Share scheme. Eco-tourism is also promoted through Forest Department. 3.10 The following Government Sponsored Schemes are implemented in the District through BanksSr. No.

Name of Scheme

Implementing Agency

01 NRLM/GSRLM

DRDA, Govt. of Goa

02 NULM GSUDA/Municipal Councils03 Kamdhenu Dept. of Animal Husbandry& Vet. Services, Govt. of

Goa04 PMEGP DIC, KVIB, KVIC[North Goa ACP 2016-17]

SGSY is replaced by National Rural Livelihood Mission (NRLM) with effect from1.04.2013 and SJSRY is replaced by National Urban Livelihood Mission (NULM).

3.11 Following schemes implemented in North Goa district are not routed through Banks. The

Corporations set up by Govt. of Goa are implementing the same.

Sl.No.

Name of Scheme Implementing Agencies

1 Chief Minister RojgarYojana (CMRY)

Economic Development Corporation (EDC)

2 1)AshrayaAdharYojana2)Self Employment Scheme

Goa State Scheduled Tribes Finance and Development Corporation Limited.

3 1)Term Loan Scheme2)SamrudhdhiYojana3)SwarnimYojana4)Education Loan5)MahilasamrudhdhiYojana for SHGs6) GrahaSuraksha Scheme

Goa State Scheduled Castes and Other Backward Classes Finance and Development Corporation Limited.

3.12 NEW & INNOVATIVE SCHEMES THAT CAN BE IMPLEMENTED IN THE DISTT.The district is having wide scope in horticulture & fisheries activities. A number of new and innovative schemes can be implemented in District. This will not only diversify lending portfolio of banks but will also open-up avenues for expanding their banking business in future. The few Schemes that are identified by NABARD and those are as under:1. Agro/ Fruit Processing units.2. Mushroom culture.3. Nursery and Floriculture.4. Stall Fed Goatery Units.5. Units under Non-Farm Sector.6. Brackish Water Fisheries Development.7. Inland water Fisheries Development.8. Marine product processing units.9. Financing to Self Help Groups (SHG)10. Financing through Non-Government Organisation (NGO)11. Dry Land Farming.


12. Farm Mechanization.13. Plantation & Horticulture.14. Cyber Information Centre (ITC)15. Storage Godown& Market Yard.16. Venture Capital.17. Agri Clinic Agri. Business Centres.18. EMU Farming.19. Joint Liability Groups (JLGs)The Banks may explore the possibilities of implementing suitable scheme in their operational area. Further details and any assistance required may be sought from Dist. Development Manager, NABARD, or Lead District Manager. Activity suited to their skill, training, aptitude, and local conditions. Besides generation of income, this group strategy will strive to empower the urban poor women by making them independent as also providing a facilitating atmosphere for self-employment. Under UWSP, an activity-focused area-specific approach will be adopted for setting up micro/group enterprises with emphasis on micro-finance. 3.13 KAMDHENU SCHEME (SUDHARIT)Government of Goa has introduced Kamdhenu scheme (Sudharit) strictly based upon the applicant fulfilling the following conditions:

i. The applicant has to be bonafide resident of Goa for at least 05 years.

ii. Shall possess a Pucca cattle shed with cement flooring for housing the animals proposed to be reared.

iii. Undertake to strictly stall feed the animals and not allow open grazing.

iv. New entrants should compulsorily undergo two week practical training on Government Farms.


CHAPTER IV

Arrangement for supporting facilities and Agencies/Departments' responsibilities there for and

infrastructural deficiencies as indicated in SAPs

4.1 Directorate of Agriculture The Directorate of Agriculture is the main agency responsible for promoting of Agriculture in the district. It provides the technical backup through itsi) Zonal Agriculture Offices located in every Block ii) Mechanized Cultivation Offices at Tonca, Mapuca and Valpoiiii) Govt. Farm at Codar, Sattariestablised for production and

multiplication of grafts, seedlings and seeds. The farms are also maintained as demonstration units and for trial of new technologies.

iv) A demonstration farm at ELA, Old Goa where farmers are provided with training and given information. A mushroom spawn production centre has also been established thereat.

4.2 The Directorate implements the various schemes under the State Government/ centrally sponsored schemes, Macro Management of Agriculture and also the National Horticulture Mission schemes which are extended to the State.The various activities undertaken by the Dept. of Agriculture are as under:

i) Providing of subsidies to the farmers for undertaking various agricultural activities under the State/Centrally sponsored schemes as well as for purchase of agricultural machineries and implements.

ii) Supply of good quality planting materials and seeds.iii)Providing agricultural machineries on customs service to the

farmers.iv)Package demonstration in cultivation/plantation with input support

in cash.v) Extension services and technical support in creation of irrigation

source, Biogas etc.


vi) Facility for farmers training and organizing study tours for the farmers

vii) Facility for testing of soil at their soil testing laboratories at ELA, Old Goa in North Goa District and Margao in South Goa District.

4.3 Besides the Directorate of Agriculture the following Agencies/Departments are also involved in promoting Agriculture in the State/District:

i) Regional Office of NABARD at Panaji (Goa).ii) The Goa State Horticulture Development Corpn. Ltd., Toncaiii) Goa Bagayatdar Coop. Society, Pondaiv) I.C.A.R., Old Goa

4.4 Directorate of Animal Husbandary& Veterinary ServicesThe Directorate provides the following services:-4.4.1Veterinary Health coverThe Veterinary Health cover is provided through a network of 3 Veterinary Hospitals, 8 Veterinary Dispensaries and 33 Key village sub-centres. Other establishments of the Department located in the District are:

i) Disease Investigation Unit, Tonca, Caranzalem.ii) Cattle breeding Farm, Copardem, Sattari.

The Veterinary services are provided on payment of nominal prescribed service charges. However artificial insemination and treatment of infertility cases are provided to large animals free of cost.4.4.2Assistance for cattle and buffalo developmentThe Department provides financial assistance by way of subsidy for establishment of Modern Dairy Farm and purchase of Dairy farm equipment to enhance productivity, profitability, stability and sustainability and to create self-employment to educated unemployed youth and also to reach self-sufficiency in milk production. Besides this it also implements the Kamdhenu scheme through the Goa State Coop Bank Ltd. It also implements the Special Calf Rearing Scheme which provides 100% assistance in the form of feed for the calf. It also provides incentives to dairy farmers for renovation/repairs of cattle shed. Under the Special Livestock Breeding Programme it assists the economically weaker section to rear cross-bred cows up to the age of productivity.[North Goa ACP 2016-17]

The department also provides cash incentive to the milk producers to encourage dairy development in the district.

4.4.3Assistance for fodder productionTo increase green fodder production and make available the various variety of green fodder for feeding to milch animals in order to increase the milk production and make the State self-sufficient in milk production, the Department provides subsidy to individuals who are interested in green fodder cultivation. It also provides financial assistance to dairy cooperative societies if they under take green fodder cultivation.4.4.4Assistance for poultry developmentThe Department implements subsidy linked scheme for setting up poultry of 500 broilers/1000 layers. It also provides services through the Government poultry farm situated at ELA, Old Goa which maintains different breeds of poultry and serves as a training and demonstration centre to the poultry farmers4.4.5Assistance for piggery developmentFinancial assistance for setting up of a Piggery unit by way of subsidy is provided by the department. 4.4.6Department of Fisheries

a. Fishing is one of the important activities in the District having 42 KM of coast line besides the 130 km of waterways provided by the three major rivers of Terekhol, Mandovi and Zuari in the District. The staple food of Goans is fish and rice. Besides there is a great demand for fish from large numbers of tourist visiting the State.

b. The Directorate of Fisheries looks after the development of fisheries in the State. As the annual catch of fish in Goa was declining in the last few years the Department has totally banned mechanised fishing within the area of 5 kms from the sea coast. As there is a saturation of mechanized fishing boats in the State there is a total ban on the construction of vessels and the department is not issuing NOC for construction of new


vessels except for replacement of sunk, destroyed or worn out vessels.

4.4.8The following facilities are available from the directorate:-i) Infrastructure development which includes provision of

fishing jetties/ ramps, net mending sheds, auction sheds, constructions of approach roads at prominent fish landing centres, water supply facilities etc.

ii) Assistance by way of subsidy for construction of hulls and purchase of engines, purchase of inboard/outboard motors, purchase of sea gill nets, construction/purchase of new wooden FRP crafts and for development of shrimp farms.

iii) Subsidy on kerosene consumption by outboard motor operators.

4.4.9Brackish-Water Fish-farmers Development Agency (BFDA)Considerable scope for brackish water fisheries exist in the district due to availability of about 2500 ha of khajan land. The Brackish Water Fish Farmers Development Agency (BFDA) has been set up under UNDP assistance. Prawn hatchery established at Benaulim with a production capacity of 25 million white larve at 20 days stage (PL 20) which has been non-functional is being revived. Govt. brackish water farm of 5 ha area at ElaDhauji is used as demonstration farm.4.4.10Department of forest21% of the total area in the district is covered by forest. The forests are protected from harmful agencies, biotic and abiotic through the enforcement of the Indian Forest Act and the Forest Conservation Act 1980.The Forest Department provides the following services :-

i) Development of parks and gardens in city/town areas and road side plantation to beautify the areas.

ii) The forest department is identified as the nodal agency for promoting eco-tourism in the State. In order to exploit the vast potential and diversify the tourism activities in the State various measures have been taken to promote eco-tourism.

iii) Implementation of project of medicinal plants funded by the Government of India.


iv) The wildlife rescue squad of the department of forest operating from Campal, Panaji conducts rescue for wildlife which have strayed into human habitation.

v) Joint forest management activities involving rural folks living in the vicinity of cashew plantations in the protection and management of cashew plantation, under care and share scheme.

vi) The turtle conservation programme was started by the forest department in 1996 with the active co-operation of the villagers of Morjim in Pernem block and Galzibag, Canacona in South Goa to protect the Olive Ridely turtles. This has resulted not only in the conservation of turtle but also become an attraction for tourist.

4.4.11Small Scale IndustriesThe Industries sector contributes to nearly 30% of the State Domestic Product. The mining activity which was the main economic activity during the pre-liberation days continues even now and 60% of the iron ore exported from the country is from Goa alone. The mines are located in Bicholim block in North Goa. The ban on the mining activities imposed in 2012 has since been lifted and the activity is expected to start shortly. The most important industries are related to manufacture of food products followed by manufacture of metal products and parts, paper and paper products and printing, publishing and allied activities, manufacture of rubber, plastics etc.The following Departments/Agencies play a key role in the development of Industries in the State/District:i) The Directorate of Industries, Trade & Commerce attends to the

overall coordination, registration and release of subsidy.ii) The District Industries Centre (DIC) provides service support

under a single roof for establishing industries in rural areas. It also implements the centrally sponsored scheme Prime Minister RojgarYojana (PMRY).

iii) The Economic Development Corporation Ltd is a financial and development corporation which extends financial assistance to Industries in the State/District. It also implements the State


sponsored Chief Minister's RojgarYojana (CMRY), a parallel Scheme on the lines of PMRY, having better features.

iv) The Goa Industrial Development Corporation has been established for the purpose of securing land and assistance in the rapid and orderly establishment of industries in Industrial areas and Industrial estates. 22 Industrial estates has been set in the State out of which 9 are in North Goa.

v) Goa Handicraft, Rural Small Scale Industries Development Corporation (GHRSSIDC) promotes and assists in development of handicrafts, small scale cottage industries, training and marketing.

vi) National Small Industries Corporation (NSIC) supplies machinery/equipment on hire purchase and lease to SSI units.

vii) Khadi and Village Industries Board (KVIB) and the Khadi and Village Industries Commission (KVIC) implement the rural employment generation programme and provide financial assistance by way of grants to the entrepreneurs.

viii) The other Co-ordinating Agencies are: SIDBI, IFCI, MITCOM and SISI.

ix) The Government has also constituted a Software Technology Park in Goa (STPAG) for setting up of IT Industries in Goa. The STPAG will act as a Single Window Clearance Agency for setting up of IT Industries.

4.4.12 Tourismi) Goa has emerged as a foremost tourist destination in the country both for domestic as well as foreign tourist because of its positive tourism profile. The Government has prepared a Tourism Master Plan 2011 for Goa State which has indicated a road map for sustainable development of tourism with emphasis on diversification of tourism, potential for new avenues of tourism, attracting tourist during monsoons, need for infrastructural development and identifying, financing and management strategies. The master plan has identified various projects for implementation along with investment needed. ii) The key agencies involved in the development of tourism in the State/District are Department of Tourism and Goa Tourism Development Corporation.[North Goa ACP 2016-17]

iii) The department of tourism is a regulatory body under the tourist act which frames the policies and creates the necessary infrastructure, issues licenses and undertake publicity. The Goa Tourism Development Corporation undertakes commercial activities under tourism like running of hotels/hostels, conducting site seeing tours, river cruise, boat cruises etc.The forest department has been identified as the nodal agency for eco-tourism.4.4.13 Infrastructural DeficienciesAgriculture:

Small and fragmented land holdings, non-availability of local labour and high labour costs, land records/titles which are not updated, majority of the farmers being tenants and share croppers not interested in increasing the input in agriculture, general alienation of agriculture and rapid urbanisation are the major constraints in development of agriculture in the State/District. Further large areas of land belonging to the Devalayas and Comunidades are lying uncultivated. About 10000 ha of land in the district is classified as 'Khajan' land prone to ingress of sea water during high tides which is less productive and requires reclamation.

ii) Animal Husbandry (Dairy & Poultry activity) Non-availability of good quality animals and non-availability of green fodder are major impediments in development of dairy. The cross-bred animals purchased from outside the State yield less milk under the changed environment and management practices and become non-viable subsequently. The high cost of labour and high cost of feed imported from outside the State makes the activity economically non-viable and hence cannot compete with the neighboring states from where the produce is imported.iii) Small Scale Industries - Most of the raw material required for SSI units is procured from outside the State, thereby increasing production costs. The non-availability of skilled andunskilled labour within the state has retarded the progress. Industries are facing stiff competition from units outside the State


CHAPTER V

FINANCIAL INCLUSION

1. IntroductionFinancial Inclusion may be defined as the process of ensuring access to timely and adequate credit and financial services by vulnerable groups such as weaker sections and low income groups at an affordable cost. A sizable majority of the population, particularly the low-income groups, continues to remain excluded from the opportunities and services provided by the financial sector. The SLBC in Goa had declared Goa to be 100 percent financially included.

2. Basic Savings Bank Deposit Accounts (BSBDA) (Earlier No Frill Accounts)

In the Mid Term Review of the Policy(2005-06), RBI advised the banks, with a view to achieving greater financial inclusion, to make available a basic banking ‘No frills’ account either with ‘NIL’ or very minimum balances as well as charges that would make such accounts accessible to vast sections of the population. The nature and number of transaction in such accounts would be restricted and made known to customers in advance in a transparent manner.

3. Business Facilitator (BF) / Business Correspondents (BC) / Bank MitraUnder the “Business Facilitator” model, banks may use intermediaries, such as NGOs /farmers clubs, cooperatives, community based organizations, IT enabled rural outlet of corporate entities, Post offices, insurance agents, well functioningpanchayats, Village Knowledge Centres, Agri. Clinics/ Agri. Business Centers, KrishiVigyan Kendras and KVIC/KVIB units, depending on the comfort level of the bank, for providing facilitation services. Such services may include (i) identification of borrowers and fitment of activities; (ii) collection and preliminary processing of loan applications including verification of primary information/data (iii) creating awareness about savings and other products and education and advice on managing money and [North Goa ACP 2016-17]

debt counseling. (iv) processing and submission of applications to banks (v) promotion and nurturing Self Help Groups/ Joint Liability Groups (vi) post-sanction monitoring; (vii) monitoring and hand holding of Self Help Groups/ Joint Liability Groups/ Credit Groups/ others; and (viii) follow-up for recovery. Ii. Under the “Business Correspondent” Model, NGOs/ MFIs set up under societies \Trust Acts, Societies registered under Mutually Aided Cooperative Societies Acts or the Cooperative Societies Acts of States, Section 25 companies, registered NBFCs not accepting public deposits and Post Offices may act as Business Correspondents. The scope of activities to be undertaken by the Business Correspondents will include (i) disbursal of small value credit (iii)recovery of principal\ collection of interest (iii) collection of small value deposits (iv) sale of micro insurance \ mutual fund products\ pension products \ other third party products nad (v) receipt and delivery of small value remittances \ other payment instruments.4. Micro insurancei. Micro insurance is a term used to refer to insurance characterized by low premium and low caps or low coverage limits, sold as a part of typical risk-pooling and marketing arrangements and designed to service low-income people and business not served by typical social or commercial insurance schemes. Micro-insurance is offered for wide variety of risks. These include both health risks(illness, injury or death) and property risk (damage or loss);ii. The Department of Commissioner of Labour through NGOs implements JanashriBimaYojana in the district. The scheme provides life insurance protection to the rural and urban poor persons below poverty line and marginally above the poverty line. The premium under the scheme is Rs.200/- per annum per member. The member will contribute 50% of the premium i.e. Rs.100/- and/or Nodal Agency/State Government and the Balance 50% will be born by the Social Security Fund. In the event of Death (other than by accident) of the member, an amount of Rs.20,000/- is payable. In case of Permanent partial disability, due to accident, an amount of Rs.25,000/- is payable.


iii. As announced in the Union budget 2015-16, Government of India has launched two insurance schemes for all the Savings Bank account holders.

a. PRADHAN MANTRI JIVAN JYOTI BIMA YOJANA: Provides health insurance of Rs. 2.00 lacs to the members. All the savings bank account holders in the age group 18 to 40 can become the members by payment of annual premium of Rs.330.

b. PRADHAN MANTRI SURAKSHA BIMA YOJANA: All the Savings Bank account holders in the age group 18 to 70 yrs. Are eligible to join the scheme. Accidental cover to the extent of Rs.2.00 lacs is available on becoming member by payment of premium of Rs.12 per annum.

5. DIRECT BENEFIT TRANSFER (DBT):

Government of India has introduced Direct Benefit Transfer (DBT) into the Bank account of the beneficiary under various programmes. In the first instance, Direct Benefit Transfer was taken up w.e.f. 1.1.2013 in 51 pilot districts for various welfare schemes being implemented such as MGNREGA, Fertilizer Subsidy, Scholarship, LPG subsidy, etc. Now additional 78 districts have been added. South Goa district is one of it.

Banks have an important role to play on the Direct Benefit Transfer. While the concerned Departments/Agencies would provide details of the beneficiaries along with amounts to be credited, the banks need to be ready with the following:

a. Opening of Bank account of the beneficiaries under various schemes.

b. Since, Aadhaar numbers would form the basis for transfer of benefits; the banks need to ensure that their CBS can capture the Aadhaar numbers.

c. Providing adequate number of different access point (Branch, ATM/CD, BCAs, etc.) to enable the beneficiary to withdraw the money as per his ease and convenience.


CHAPTER VI

BANK-WISE/AGENCY-WISE/BLOCK-WISE/SECTOR-WISE/ACTIVITY-WISE CREDIT PLAN FOR THE PRIORITY SECTOR

LENDINGS INCLUDING PHYSICAL ASPECTS

6.1 As per the procedure prescribed by Reserve Bank of India, the Annual Credit Plan for the year 2016 – 17 is prepared as per the revised modalities.The Pre- PLP meeting was convened, which was attended by representatives of Banks, Govt. Agencies etc to elicit views and to ascertain the Credit Potential available in the District and give their views and priorities and credit requirements in the District Credit Plan 2016 – 17. 6.2 Annual Credit PlanUnder instructions from RBI the modalities for preparing the Annual Credit Plans have undergone a change. From the year 2006-07 the ACPs are based on the Potential Linked Plans (PLPs) prepared by NABARD. The step by step procedure as prescribed by RBI. The Block Credit Plans finalized in the special BLBC meetings have to be aggregated by the Lead District Manager to form the District Credit Plan.The District Credit Plan has to be placed again before the DCC by the Lead Bank Office for final acceptance/approval and then launched. The Branch Credit Plans received in soft form from branches have to be aggregated block-wise and then for the district as a whole reflecting branch-wise, block-wise, activity-wise plan. This may be treated as an attachment to the PLP and form the District Credit Plan document, if the Lead Bank so desires. The attendance of the Controlling Offices in the BLBC, DCC and Special Meetings convened to discuss PLP has to be ensured. 6.3Launching of ACP/DCP (by 1st April)The above exercise will facilitate the active involvement of all concerned in the credit planning exercise at the block/district level and


also ensure flow of credit to different sectors based on properly assessed potential.6.4 The various fora created under the Lead Bank Scheme, viz. BLBC, DCC, DLRC, DLBC and SLBC will continue to function as usual.6.5 The performance under Block Credit Plans will be reviewed in BLBC meetings, while the performance of banks under district plan will be reviewed at DCC meetings. Similarly, performance of banks at the State level will be reviewed in SLBC meetings. 6.6 As regards the monitoring/reporting aspects, NABARD has been requested to review the SAMIS reporting systems and to intimate necessary modification/changes in the SAMIS6.7 The PLPs prepared by NABARD and containing Block-wise/ Activity-wise potential of crores was placed before the DCC meeting and approved in meeting. The aggregated Annual Credit Plan for 2016-17 has been arrived at Rs2981.91crores which is 26% higher over previous year. The comparative position of ACP 2015 – 16 and 2016 – 17 is as under:

(Rs. in lacs)

Sector DCP 2015-16 DCP 2016-17

Agri. Crop Loans 22331.38 20099.51

Agri. Term Loans 20557.99 18380.11

Sub Total Agri. 42889.37 38479.61

Agriculture Infrastructure 2224.85

Ancillary activities 2083.88

Credit Potential for Agriculture (A+B+C)

42788.34

Micro, Small and Medium Enterprises

36636.23 150112.88

Export Credit 20694.95

Education 31611.90

Housing 46677.53

Renewable Energy 316.63

Other Priority Sector 156663.53 1952.77


Social Infrastructure involving bank credit

4036.33

Total 236189.13 298191.33

6.8 The accepted PLP was advised to controllers of Banks and they were advised to circulate the accepted Block-wise potentials to their branches. The allocated targets were also discussed at BLBC meetings.6.9 In case of those Branch Credit Plans which showed significant variations from the indicated potentials based on PLP projections, discussions were held with the controllers and wherever deemed fit by the latter revised Branch Credit Plans were submitted. These are aggregated in the Block Credit Plans and in turn into District Credit Plan.6.10 The computerized plan outputs of the credit plans prepared and submitted by the bank branches in format LBR-1 i.e. Service Area Credit Plans (SAP) and LBR-U1 i.e. Credit Plan-Semi-urban branches (Non Service Area -CPU) are enclosed. The details of reports generated under SAMRUDHI software are enclosed.6.11 PRADHAN MANTRI JAN DHAN YOJANAAs declared by Hon’ble Prime Minister during his speech on 15.08.2014 PradhanMantri Jan-DhanYojana was launched throughout the country on 28.08.2014. The program was arranged at Delhi, State and district level with all stake holders.PMJDY through mission mode comprises of the following six pillars.

1. Universal access to banking facility: Mapping of each district in to sub Sub Service Area(SSA) catering to 1000-5000 households in a manner that every habitation has access to banking services with in 5 K.M by January-2015.

2. Financial Literacy Programme: To be extended to the block level from district level at present by March-2016.

3. Providing Basic Banking Account: To all families and to all beneficiaries of Government Scheme by 15 the Jan 2015.

4. Micro Credit availability & Creation of Credit Guarantee Fund for coverage of defaults in such accounts: Facility of


an overdraft of Rs.5,000/- through debit card to every basic banking account holder on completion of financial literacy training by 15 Jan-2015.

5. Micro Insurance:- By March 2017 and then on going basis.6. Unorganised sector Pension schemes like Swavlamban: By

March 2017 and then on-going basis.

Progress made under the schemes:PradhanMantri Jan DhanYojana:

All the 320 villages and 253 wards in the State were already allotted to various Banks. All the banks, with the help of Gram RozgarSahayaks, School/college students, Retired Teachers / Postal staff completed survey of households in the villages and wards allocated to them and also completed the task of opening at least one account per unbanked family in the allotted villages / wards. Hon. Chief Minister of Goa announced on 07.11.2014 Goa state as first state to achieve the First Phase of opening of accounts per household under PradhanMantri Jan DhanYojana.Pradhan Mantri Jivan Jyoti Bima Yojana, Pradhan Mantri Suraksha Bima Yojana &Atal Pension YojanaThe three schemes were launched nationwide by Hon’ble Prime Minister on 9th May 2015 in the programme at Kolkata. In Goa, the scheme was launched by Hon’ble Chief Minister in the meeting at Panaji and simultaneously, programmes were held at 6 more venues in Goa.The two schemes, Pradhan MantriJivan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana envisages at providing life insurance cover of Rs.2.00 lacs and accidental cover of Rs. 2.00 lacs to savings bank account holders of the banks by payment of yearly premium of Rs. 330 &Rs 12 resp. Total number of 1.28 lac account holders were covered up to the day of launch of the scheme.Atal Pension Yojana is the pension scheme for workers in unorganized sector. Savings bank account holders in the age group of 18-40 are eligible to join the scheme by contributing fixed monthly amount, depending upon the amount of monthly pension, till the age of 60. Government will contribute 50% of the yearly contribution or Rs.1000, [North Goa ACP 2016-17]

whichever is lower, for the first 5 years; as its share in the scheme. Erstwhile SWAVALAMBAN scheme is since discountinued with option to the members to join Atal Pension Yojana.

IMPORTANT AGENCIES / BANKS / OFFICES AT DISTRICT PLACE

The District CollectorCollector office, North Goa Phone: 0832 2223612Fax: 2426492Mobile no.09822123071

The Chie Executive OfficerZilla Panchayat, 3rd Lift, 5th Floor,Junta House, Panaji - Goa Phone: 0832 2423437Fax: Mobile no.9422437071

The DirectorDistrict Planning & StatisticsPanditDeendayalUpadhyayBhavan, Near PundalikDevasthan, Pundalik NagarAlto – Porvorim, GoaPhone: (0832) 2417439/35Fax :(0832) 2417443/37

The Project DirectorDistrict Rural Development Agency (North)SPACES, 7th Floor, EDC, Patto, Panaji - GoaPhone: 0832/2226250Fax 2422965Mobile no.9823196590

The Director Agriculture Govt. of Goa, Tonca, GoaPhone: 0832/2465845Fax 2422243Mobile no.09423061340

The Director, Social Welfare Govt. of Goa, 18 June Road, PanajiPhone: 2232257/ 2223784Fax 2228172 Mobile no. 9921621515

The DirectorFisheries Department,Capt. of Ports Jetty, PanajiPhone: 2224838

The DirectorDistrict Animal Husbandary& Veterinary Services,Patto, Panaji Phone: 2437244

The District Recovery Officer, (North Goa)Collectorate North Goa,Panaji GoaPhone: 2223612

The DirectorIndustries, Trade & Commerce Department,UdyogBhavan, PanajiPhone: 2222241 Fax Mobile no.

The Chief Executive OfficerKhadi& Village Industries Board (KVIB)2nd Lift, 2nd Floor, Junta Bldg. Panaji, GoaPhone:Fax 2222494 Mobile no.9422059555

State Director,Khadi& Village Industries Commission,2nd Lift, 2nd Floor, Junta Bldg. Panaji, Goa,Panaji, GoaPhone: 0832/2223676

The General ManagerDistrict Industries CentreUdyogBhavan, Panaji GoaPhone: 2226377

The Project OfficerSwarnaJayantiShahariRojgarYojanaShramshaktiBhavan, Patto, PanajiPhone: 2437210 Fax 2437094

The Managing Director,Goa State SC/OBC Finance and Development Corporation, 4th Floor, Patto Centre,Near KTC Bus Stand, Panaji GoaPhone: 2438177/80Fax 2438178

The Managing Director,Goa State ST Finance and Development Corporation, DayanandSmritiBldg,Swami Vivekanand Road, Panaji Goa Phone: 2426949 Fax 2420215

Assistant General Manager (DDM)NABARD, Goa Regional Office,

The Assistant General ManagerReserve Bank of India, RPCD, Patto, Panaji Goa.


NizariBhavan, PanajiPhone: 0832/2220490Mobile no.09422442518

Phone0832/2437692Fax: 0832/8438657Mobile: 09822618590

The Assistant General ManagerState Bank of India, Region –ISt. Inez Panaji GoaPhone: 2441221, 225, 259Fax 2441299, 2224596Mobile: 8806660012

The Regional ManagerBank of MaharashtraPanaji Regional Office, m. g. rd.Phone: 2235955Fax 2223136Mobile no. 9730000525

The Assistant General ManagerState Bank of India, Region –IISantinez, Panaji GoaPhone: 2226091/92/93/94, 6641193Fax 2422880Mobile no. 8806660010(For Ponda block only)

The Regional ManagerCentral Bank of India, R. O.Panaji, Mascarenhas Bldg.,Antao de Noronha Road, Panaji - GoaPhone: 2425156/ 2224385Fax 2223177Mobile no.9923752681

The Dy. General Manager,Bank of Baroda, Regional Office Goa & Western Maharashtra RegionPlaza Chambers, 4thflr, Dr. A. B. Road, Panaji GoaPhone: 2235338/ 2228475Fax 2228367 Mobile no.9823206710

The District Coordinator,Allahabad BankPanaji BranchHotel AmeyaBldg, Opp. St Inez church,V. S. Dempo Road, St Inez Panaji - GoaPhone: 2421551/ 2262801Fax 2421551 Mobile no.9822422767

The District Coordinator,Indian BankPanaji BranchVelho Bldg., Dr D. R.D`souza Road Phone: 229075/ 2225994Fax Mobile no.9423885094

The Deputy General Manager,Union Bank of India1st Floor, Niz-Mar Bldg.,Panaji Regional Office,Dr. A. B. Road, Panaji – Goa.Phone: 2420915/ 2421293Fax 2420916 Mobile no.9922975100

Zonal Manager,Bank of IndiaZonal Office, Dempo House, Panaji GoaPhone: 2404323Fax 2421505 Mobile no.9820262723

The District Coordinator,IDBI Bank, Panaji Branch6th Floor, EDC House, A. B. Road,Panaji GoaPhone: 2220637, 2255227Fax Mobile no.

The District Coordinator Oriental Bank of CommercePanaji Branch, Dempo Towers,Patto Plaza, Panaji - GoaPhone: 2438174/ 2438173/ 75Fax 2438174 Mobile no.9960692956

The Branch Manager,BharatiyaMahila BankPanaji Branch, Karina Chambers, Opp. SBI Administrative Bldg., MG Rd. Panaji GoaPhone: 2423711Fax Mobile no.7720007835

The District Coordinator State Bank of PatialaMapusa BranchDilkushBldg, Nr Municipal GardenMapusa Goa 403507Phone: 2252811/ 2262430Fax 2262797Mobile no.9665689991

The District CoordinatorVijaya BankPanaji Branch, H. S. Road,JDDM Hall Bldg., Panaji GoaPhone: 2424437/2424793Fax Mobile no.9867095117


The District Coordinator,Dena BankPanaji Branch, IndraPrastaBldg, Gr Flr,DrShirgaonkar Rd., Panaji GoaPhone: 2225106/ 226340Fax 2224935 Mobile no.9326128419

The District Coordinator,UCO BankPanaji Branch, M. G. Road, Govinda Bldg., Panaji - GoaPhone: 2227777/ 2220400Fax 2421279Mobile no.09766678901

Dy.General Manager,Syndicate BankR. O. Indira Apartments, 1st Floor,Opp. Delmon Hotel, Panaji- Goa.Phone: 2222235/ 2424083Fax2223448Mobile no. 9423884050

Dy.General Manager,Canara BankCircle Office, Mathias Plaza,18 June Road, Panaji GoaPhone: 2426477/ 2232011/2420056Fax 2225123Mobile no.9890903592

The District Coordinator Punjab National BankPanaji branch, Calisto Mansion,DrPissurlekar Rd, Panaji - GoaPhone: 2426593/ 2224965Fax 2224528 Mobile no.9765535666

The District Coordinator Punjab and Sindh BankPanaji Branch, S V Rd. Panaji - GoaPhone: 2432201Fax Mobile no.9221296250

The Asstt. General ManagerIndian Overseas BankRegional Office, Rua De Ourem, PanajiPhone: 2435751/ 2430864Fax Mobile no.9405222864

The District Coordinator United Bank of India, Panaji BranchRuaHeliodore Salgado, Panaji GoaPhone: 2224011/ 2422828Fax 242828 Mobile no.9923830479

The District CoordinatorAndhra BankPanaji Branch, GauriNiwasDr A. B. Road, Panaji GoaPhone: 2223513/ 2222476Fax 2432461Mobile no.9158330950

Dy.General Manager,Corporation BankZonal Office, 1st Floor, Salgaonkar Bldg., Ruo de ourem, Panaji- Goa.Phone: 2426048 18 / 2437971Fax 2223408Mobile no.9970164517

The Branch Manager,State Bank of Hyderabad, Panaji branch,Shop No 3, Gr. Floor, Nova Goa Bldg.,Dr. A. B. Road, Panaji GoaPhone: 2226021

The Sr. Manager,KarurVysya Bank Ltd., Panaji branch,AG 1 & AG 4, Campal Trade Centre,Behind Military Hospital,B B Braganza Road, Panaji Goa.Phone: 2221216

The District Coordinator,Kotak Mahindra Bank Ltd.,Panaji Branchh,Shop No. 2, Rio Sol Tower, Next ToCampal Clinic, Panaji Goa 403001Phone: 6658931

Sr. Manager,ApnaSahakari Bank Ltd., Mapusa br.Kandalkar Bldg., Angod, Near Jama Masjid,Mapusa Goa 403507Phone: 2255344

Sr. Manager,Kokan Mercantile Coop Bank Ltd.,Panaji br.,1st Floor, Office No. 7,El Dorado Plaza, Situated at Helidoro Rd.,Panaji Goa 403001Phone 2230880

The District Coordinator,NKGSB Coop Bank Ltd.,Panaji br.,Hotel Manoshanti, Behind EDC House,Dr. Dada Vaidya Rd. Panaji Goa 403001Phone: 2904825

The District Coordinator,Punjab & Maharashtra Coop Bank Ltd.,

The District Coordinator,TJSB Sahakari Bank Ltd.,


Caranzalem branch, Heritage Symphony,Shop No. B-1 & B-2, Gr. Floor,Taleugao,on Old Dona Paula Rd.Caranzalem Goa 403002Phone: 2463031

Panaji Br., 001, Gr. Floor,Dr. atmaramBorkar Rd., Nova Goa,Panaji GoaPhone: 2250520

The District CoordinatorState Bank Of MysorePanaji BranchNr Municipal MarketLar commercial arcade, 1stflrPanaji GoaPhone 2224846 / 2421930Fax 2421930 Mobile 8888884857

The District Coordinator State Bank of TravancorePanaji Branch109/110, Shiv Towers, Patto PlazaPanaji Goa 403001Phone: 2437828/ 2437827Fax 2437827

The District Coordinator DCB Bank ltdPanaji Branch, Edorado Plaza,Panaji - GoaPhone: 6630950- 957Fax 6630950 Mobile no.

The District Coordinator Jammu and Kashmir Bank ltdPanaji Branch, Atmaram Commercial Complex,Dr A. B. Road, Panaji – Goa.Phone: 2435215/ 2903383Fax 2435215 Mobile no.9730049494

The District Coordinator AXIS Bank LtdPanaji Branch, SiddharthBandodkarBhavanP. Sirgaonkar Rd, Panaji GoaPhone: 6640808/ 804Fax 6640800 Mobile no.8806900781

The District Coordinator The Federal Bank Ltd; Panaji Branch, Nilkamal Arcade, PB No 323Opp CTO, Dr A. B. Rd, Panaji - GoaPhone: 2228261/ 62 Fax 2431217

The Regional Head ICICI Bank Ltd;Panandikar chambers,New Fatima conventMinguelLoyala Furtado Road, Margao GoaPhone: 6480292 / 2421639Fax 2220347 Mobile no. 9823130336

The District Coordinator HDFC Bank Ltd’Circle Office,Metropolis Bldg., 6th Floor,Near Vintage Hospital,St. Inez, Panaji - GoaPhone:6528269Fax Mobile no. 9370538570

The District CoordinatorIndusind Bank LtdPanaji BranchGr flr, SmitVandhanBld, OppVivanta HotelSt Inez, Panaji GoaPhone: 2429044Fax 2427799Mobile no.9860722333

The District CoordinatorCatholic Syrian Bank LtdPanaji BranchRizvi Towers, 18 June RdPanaji GoaPhone: 2435945/ 2228246Fax 2228246Mobile no.9820710278

The District Coordinator Yes Bank LtdPanaji BranchGr Flr, St AgustineBldg18 June Rd, Opp HDFC BankPanaji - GoaPhone: 6659000Fax 6659010 Mobile no.9970499420

The District CoordinatorRBL Bank, Panaji BranchShop no G/10 & G/11Nizmarcentre, Gr flrDrAtmaram Rd, Panaji Goa403001Phone 2431045/ 46Fax 2431045 Mobile 9823202762

The District CoordinatorSouth Indian BankPanaji Branch23-25, Nr Municipal Office Bldg

The District CoordinatorBicholim Urban Co-operative BankC O NandanvanBicholim 403504


DrPissurlekar RdPhone 2229610/ 2225130Fax 225130 Mobile 9766216626

Phone 2362142/ 2363047/2362349Fax 2362349Mobile 9822588757

The Chief Executive OfficerCitizen Co-operative Bank LtdHead OfficeLakshdeepapptNr Damodar TempleVasco da Gama Goa. 403802Phone 2511033Fax 2519290 Mobile

The District CoordinatorDhanalaxmi Bank LtdPanaji BranchGr flr, ShantadurgaNiwasM G Road, Panaji GoaPhone 2231829Fax Mobile 8007771679

The District CoordinatorGoa State Cooperative Bank LtdHead Office,“SahakarSankul”, EDC ComplexPatto Plaza, Nr. KTC Bus StandPanaji GoaPhone 2437650/ 2437641Fax 2437283 Mobile 9423821651

The District CoordinatorGoa Urban Cooperative Bank LtdHead Office, Dr. A. B RoadPanaji goaPhone 2224421/ 22/ 23Fax 2426861Mobile 9552590718

The District CoordinatorMadgaum Urban Cooperative Bank LtdHead Office Margao, VarshaBldg,Aquem Alto, Margao Goa 403601Phone 2735221/ 222Fax 2734292Mobile 9850853828

The District CoordinatorMapusa Urban Cooperative Bank LtdHead Office, MapusaNandadeepBldg, Mapusa Goa 403507Phone 2250901/ 902Fax 2262427Mobile 9822988319

The District CoordinatorSaraswat Cooperative Bank LtdHo Panaji, Zone V, GoaMushtifundSaunsthaBldgDr. Dada Vaidya Road, Panaji goa 403001Phone 2430907/ 2422151Fax 2431804

The District CoordinatorShamraoVithal Cooperative Bank LtdPanaji BranchGr flr, Primavera BldgNr EDC, Dr. A. B. Rd Phone 2432552Fax 2432553

The District CoordinatorWomens Coperative Bank LtdPanaji BranchAkashBhavan, RuaHeliodero de Salgado RoadOpp Mathias PlazaPanaji goaPhone 2228933Fax 2421971 Mobile

The District Coordinator Karnataka Bank LtdPanaji Branch, Santinez Church Premises.Santinez, Panaji - GoaPhone:Fax 2221926 Mobile no.9423056581


BLOCK-WISE PROFILE OF NORTH GOA DISTRICTSl. Particulars/Block/District Tiswadi Bicholim Sattari Bardez Pernem District(1) (2) (3) (4) (5) (6) (7) (8)1 Geographical Area Sq.K.m. 213.55 238.79 495.13 263.98 251.68 1463.132 Village inhabited 28 28 78 41 27 2023 Population in thousands 177219 97955 63817 237440 75747 652178

i Rural 37549 55775 49422 74321 45681 262748Ii Urban 139670 42180 14395 163119 30066 389430iii Male 90136 49931 32754 116405 38652 331185iv Female 87083 48024 31243 117548 37095 320993

4 Occupation wise workers(No)i Farmers 2091 2272 2564 3054 2655 12636ii Agri.Labourers 1072 1864 4654 1821 1876 8877iii Industrial 1680 993 529 1680 918 7319iv Others 68643 32474 16605 86588 22989 227299

5 Physically handicapped (No)6 Land Utilization area

i Geographical area 16611 23633 51284 26480 24200 142208ii Area under forest 178 1096 28858 10 1769 31911iii Pasture Land - 153 233 - - 386iv Fallow land 577 1276 1543 3538 826 7760v Cultivable area 12462 16908 18409 16832 19417 84028vi Net sown area 1136 12173 13948 15800 14081 57138viiMultiple cropped area 1488 2552 794 5224 5478 15536

7 Rainfall in mm (2014-15)8 Land holding Between

(Nos/Hactors)i Less than 1 Ha 2636/903 4290/1248 2524/1190 8546/2724 5714/2124 27310/8189ii Between 1 Ha To 2 Ha 174/202 440/556 1238/165

2852/988 816/1058 3520/4456

iii Between 2 Ha to 5 Ha 48/116 196/493 756/1980 316/798 250/640 1566/4027iv Between 5 Ha to 10 Ha 40/204 138/766 338/1968 134/714 62/362 712/4014v Above 10 Ha 10/0.34 42/1116 142/2886 36/740 20/354 250/5096.34

Total 2908/1425 5106/4179 4998/9676 9884/5964 6862/4538 33358/25782

9 Irrigation potential10 Animal Husbandry (No. in“00”)

i Works Animalsii Crossbred Cows 360 1459 4154 653 1147 7773iii Indigenous cows 1023 4016 8462 4908 5845 24254iv Buffaloes 1362 4638 4471 3231 3952 17654v Sheep 02 0 0 0 0 02vi Goats 333 932 855 1321 1012 4453

11 Veterinary facilitiesi Veterinary Dispensaries 0 01 02 03 02 08ii Veterinary Hospitals 01 0 01 01 0 03iii Artificial insemination Center 04 03 09 02 03 21

12 Fishery:i Water spread area in “00” ha 52.70 haii Fish Production in M.T. 2011 22809 mt


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