संभायता यु ऋण योजना Ð2016-17 - nabard · 2018-09-22 · •...

सभा�यता य ऋण योजना Ð2016-17 POTENTIAL LINKED CREDIT PLAN FOR 2016-17

अडमान तथा िनकोबार ��प समह

ANDAMAN AND NICOBAR ISLANDS

रा�ीय क!ष और $ामीण !वकास ब&क

अडमान 'था िनकोबार (*ीय काया+लय

NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT ANDAMAN AND NICOBAR REGIONAL OFFICE

FORWARD

The Potential Linked Credit Plan (PLP) is intended to provide insight on the potential for development in different sectors of the rural economy, a road map to banks for extending credit to important sectors / sub sectors /activities in the district and for Government departments and various developmental agencies to provide necessary infrastructure and linkage support for the development of various sectors and also converge of their plans with that banks thereby facilitating increased credit flow and overall development. The PLP projections given in this document will form the basis for banks in preparing Annual Credit Plan.

The PLP not only makes scientific assessment of sectoral potentials but also reckons the plans of various line departments / agencies in the UT and estimates the credit support that can be provided by banks in the UT in a given year for both investment and production credit, activity-wise. This document aims at providing a meaningful direction to credit flow, by consolidating at one place the estimates of sectoral potential, available resources and status of infrastructure as also the areas for future growth.

It has been the dream of UT Administration of Andaman & Nicobar, Reserve Bank of India, NABARD and the Banking System to attain the collective goal of “Inclusive growth” in the shortest span of time through synergy of efforts of all. UT Administration has been providing access to technology with the collaboration of CIARI and KVKs. However, key inputs and credit through appropriate delivery system require a shared vision and collective action by all stakeholders. With overall presence in the entire islands and a good network of bank branches the banking system in the Union Territory plays a pivotal role in funding capital formation and production in agriculture. In order to facilitate banks to undertake a scientific credit planning exercise in tune with sectoral potentials and also to help the Government Departments in providing necessary infrastructure and linkage support to make scarce credit productive, NABARD prepares Potential Linked Credit Plan (PLP) every year which is used as the basis for the Annual Credit Plans being launched by Lead Bank. The PLPs are the result of intense consultative process with many stakeholders. It gives us great pleasure in presenting the plan document with specific focus on the year 2016-17 and covering all the 3 districts viz. South Andaman, North & Middle Andaman and Nicobar. NABARD acknowledges the support and cooperation extended by the Officials of the Government Departments, PRIs, Lead District Manager, other Bankers, NGOs, farmers, etc., in the preparation of this document which would be of immense utility to all the stakeholders in the field of agriculture and rural development apart from research students.

H.B.Songadkar General Manager/Officer-in-Charge

INDEX

Chapter No.

Description Page No From To

Executive Summary

District Profile along with the map of the District

Banking Profile

1 Policy Initiatives 1 4

2 Government Sponsored Programmes with Bank Credit

5 7

3 Credit Potential for Agriculture – 2016-17

3.1 Farm Credit

3.1.1 Crop Production, Maintenance and Marketing 8 10

3.1.2 Water Resources 10 11

3.1.3 Farm Mechanization 11 13

3.1.4 Plantation and Horticulture including Sericulture

13 15

3.1.5 Forestry and Waste Land Development

15 16

3.1.6 Animal Husbandry - Dairy 16 17

3.1.7 Animal Husbandry - Poultry 18 19

3.1.8 Animal Husbandry – Sheep, Goat, Piggery, etc.

19 20

3.1.9 Fisheries – • Marine fisheries • Inland fisheries • Brackish water fisheries

20 22

3.1.10 Others - Bullock, Bullock-carts, etc. 22 - 3.2 Agriculture Infrastructure

3.2.1 Construction of storage facilities

23 24

3.2.2 Land development, Soil conservation and Watershed development

24 25

3.2.3 Others • Tissue culture, • Agri bio-technology, • Seed production,

25 26

PLP 2016-17 Andaman and Nicobar Islands

• Bio-pesticides/ fertilizer • Vermi- composting

3.3 Ancillary Activities

3.3.1 Food and Agro Processing 26 27

3.3.2 Others • Loans to Cooperatives Societies of

farmers for disposing of their produce, • Agri-clinic/ Agri-Business Centers

(ACBC), • Loans to PACS/ FSS/ LAMPS, • Loans to MFIs for onlending to

agriculture

27 28

4

Credit Potential for Micro, Small and Medium Enterprises (MSME) – 2016-17

• Manufacturing sector enterprises • Micro enterprises • Small enterprises • Medium enterprises

(ii) Service sector enterprises

• Micro enterprises • Small enterprises • Medium enterprises

(iii) KVI sector units (iv) Other finance to MSME

29 31

5 Potential for Export Credit – 2016-17

32 35

6 Credit Potential for Education – 2016-17

36 37

7 Credit Potential for Housing – 2016-17

38 40

8 Credit Potential for Renewable Energy – 2016-17

41 -

9 Credit Potential for Others – 2016-17 • Loans to individuals and their SHGs/JLGs • Loans to distressed persons to prepay non-

institutional lenders (other than farmers) • PMJDY • Loans to state sponsored organizations for

SC/ST

42 -


10

10.1 10.2

Infrastructure Support Infrastructure – Public investments Social Infrastructure involving bank credit – 2016-17

43

45

11 Informal Credit Delivery System

46 50

12 Area Development Plan/Scheme

51 52

Annexure I Activity-wise and Block-wise Physical and Financial Projections- 2016-17.

53 55

Annexure II An overview of Ground Level Credit Flow – Agency-wise and Sector-wise – 2012-13, 2013-14, 2014-15 and target for 2015-16

56

Annexure III Sub-sector-wise and Agency-wise Credit Flow under Agriculture and allied activities – 2012-13, 2013-14, 2014-15 and target for 2015-16

57

Annexure IV Indicative unit costs (for major activities of the district) as arrived at by NABARD for its internal use.

58

Annexure V Scale of Finance for major crops fixed by District Level Technical Committee (DLTC) for 2015-16

59

Annexure VI(i) Block-wise details of potential available for promotion and savings linkage of SHGs/JLGs

60

Annexure VI(ii) Block wise potential for credit linkage of SHGs/JLGs

61

EXECUTIVE SUMMERY

“Accelerating the pace of capital formation in agriculture and allied sector” is the main theme of this Potential Linked Credit Plan for 2016-17.

NABARD, in 1988-89, took the initiative of preparing the district-wise Potential Linked Credit Plans (PLPs) to guide banks in their credit planning exercise. The PLPs map the potential in priority sectors which could be exploited with institutional credit within a specified timeframe. PLPs are intended to provide a meaningful direction to the flow of credit to different sectors at the ground level taking into account all relevant factors. The various linkage and other support required to be provided by line departments to facilitate credit flow as planned are also incorporated in the PLPs. NABARD in the year 2012-13 had prepared Base PLP for five years coterminous with the five year plan. These projections were made on parameters prevailing at that year. Some of these parameters might have undergone change, necessitating a relook at the credit potential for the year 2016-17. Andaman and Nicobar Islands The profile and characteristic of soil in Andaman and Nicobar Island shows considerable variation from place to place, varies from heavy clayey to clayey loams, loams to sandy loams, nutritionally poor and rules out uniform crops for field or for plantation crops as well as large scale of production. The cultivation of crop is totally rainfed with nearly 3180 mm rainfall annually with an average of 154 rainy days in a year. Better utilization of available land is quite inevitable for the development of agriculture in these island. Out of total geographical area of 8249 sq. km. the land available for agriculture activities is only about 50000 ha. As on date, therefore, agricultural activities are restricted in the area. However, due to persistent efforts of the UT Adminstration, there is a steady growth in the economy of the UT which is reflected in the increased Ground Level Credit (GLC) Flow Trends in credit flow The details of sectoral trends in credit flow under ACP during the last three years upto 2014-15 are as under:

( Lakh)

2012-13 2013-14 2014-15

Target Ach. Target Ach. Target Ach.

Crop Loan 1522.00 1234.84 4800.00 367.00 3825.00 325.00

Term Loan 2575.00 6107.90 7000.00 9292.20 8525.00 8153.00

Total Agri. Credit 4097.00 7342.74 11800.00 9659.20 12350.00 8478.00

SME 2919.00 5400.00 3033.00 5229.00 4960.00 6914.00

OPS 11290.00 7514.00 11370.00 8142.00 11600.00 6987.00

Total Priority Sector 18306.00 20256.74 26203.00 23030.20 28910.00 22379.00


The Ground Level Credit to Priority Sector has increased from .20256.74 lakh during 2012-13 to ` 22379.00 lakh during 2014-15. The growth has been more impressive in the Agriculture Credit which increase from ` 7342.74 lakh during 2012-13 to ` 8478.00 lakh during 2014-15. Since SAMIS is not stabilised in the UT, activity-wise data within agriculture is not available which puts limitation on effective credit planning. Lead Bank should strive to collect and compile block-wise, activity-wise data which can be used not only for planning but also for effective review in DLCC/DLRC Potential for 2016-17 Based on the new policy initiatives, discussions with various stakeholders as also by looking at the past trends in credit disbursement, the PLP for 2016-17 has been revised upwards from ` 20295.80 lakh to 35007.12 lakh. The Base PLP had envisaged a potential of 4642.64 ( 22.87 % of total PLP Projection) for Agri Credit in the UT. However, in view of the extension support from Deptt of Agriculture and Central Island Agricultural Research Institute (CIARI) as also the trend in disbursement by banks specially the Andaman& Nicobar State Cooperative Bank, the projection for Agriculture has been revised to 11783.59 being 33.67% of the total projection. Within Agriculture, in view of the increasing demand and the possibility of financing small and marginal farmers, tenant farmers and oral lessees through financing 100 to 200 Joint Liability Groups(JLG) mode, the projections for Crop Loans have been revised from ` 1180.26 lakh ( 5.81 % of total PLP projections) to ` 6308.10 lakh (18.01 % of total PLP projections). For Agriculture Infrastructure `. 334.94 lakh has been projected and . 700.67 lakh for Ancillary activities . Credit potential for MSME has been estimated at `.9550.12 lakh , `.2250.00 lakh for export credit, `.2016.00 lakh for education, `.6210.00 lakh for housing, `.9.90 lakh for renewable energy, `.1755.00 lakh for others and `.396.90 lakh for social infrastructure involving bank credit . Highlights of developments/initiatives The Financial Inclusion has now gained a lot of significance with the announcement of the Hon’ble Prime Minister regarding “Pradhan Mantri Jan Dhan Yojana” for “Comprehensive Financial Inclusion Plan in Mission Mode” to provide Universal Access to Banking Services to cover every Household by banks in the country through one Basic Savings Account with issuance of Rupay Debit Card, having inbuilt insurance cover of Rs. 1 lakh. Thrust areas for 2016-17 Thrust areas for 2016-17 shall be JLG formation and financing, formulation and financing area development schemes, financing of producers’ organisations and finance of allied activities by banks. Constraints and Action Points While the difficult geographical terrain remains a constraint for banks to reach out to all potential borrowers, the major constraint to development of both farm and off farm sector is the absence of marketing infrastructure. However, with the recent steps taken by UT administration in this direction it is hoped that by the coming year, the requisite infrastructure


would be in place. As a sequel to these efforts , first project of constructing modern fish markets at Mohanpura and Junglighat submitted to NABARD, Head Office for consideration of sanction. DPR of soil testing laboratories in N & M Andaman district is nearing completion. Consultancy from NABCONS offered to Industries dept. for preparation of DPR for development of KVIB industrial estate at Wimberlygunj for which the approval is awaited. DPR for financing infrastructure for four bulk milk coolers in N & M district is being finalized in coordination with AH & ANIIDCO Suggestions i) Stabilisation of SAMIS is important for monitoring sub-sector wise ACP achievements

in Andaman and Nicobar. ii) There is also need for establishing synergy of efforts between the line departments and

banks at the grassroots level. iii) Banks, including cooperatives, may increasingly adopt the strategy of JLG financing to

enable SF/MF to purchase farm machineries and equipment iv) The Animal Husbandry department may arrange interface meetings between the

farmers and firms engaged in contract farming in poultry activities v) Comprehensive policy for exploitation of the huge potential available for export of fish

and fish products needs to be prepared . vi) Area Development Schemes in organic farming, poultry, dairy, sheep, piggery,

floriculture, coconut processing, vegetable cultivation, fishery may be formulated vii) Capacity building, skill development programmes on locally available raw material like

bamboo handicraft, coconut processing, coir may may be organised with appropriate marketing intervention.

viii) Vision docoument for development of tourism sector may be prepared. ix) Last but not the least, effective implementation of any plan depends on an effective

review and monitoring mechanism. The BLBC meetings are not regularly held in the Union Territory. The Lead Bank may consider holding the BLBC meetings timely and regularly for effective monitoring of Annual Credit Plan as also the Govt Sponsored Schemes.


Broad Sector wise PLP projections - 2016-17 ( . lakh)

Sr. No.

Particulars PLP Projections

2016-17 A Farm Credit

i Crop Production, Maintenance and Marketing 6308.10 ii Term Loan for agriculture and allied activities 5475.49

Sub Total 11783.59 B Agriculture Infrastructure 334.94 C Ancillary activities 700.67

I Credit Potential for Agriculture (A+B+C) 12819.20 II Micro, Small and Medium Enterprises 9550.12 III Export Credit 2250.00 IV Education 2016.00 V Housing 6210.00 VI Renewable Energy 9.90 VII Others 1755.00 VIII Social Infrastructure involving bank credit 396.90 Total Priority Sector (I to VIII) 35007.12

PLP Estimates 2016-17

Crop Production,

Maintenance and MarketingTerm Loan for agriculture

and allied activitiesAgriculture Infrastructure

Ancillary activities

Credit Potential for

Agriculture (A+B+C)Micro, Small and Medium

EnterprisesExport Credit

Education

Housing

Renewable Energy

Others

Summary of Sector / Sub-sector wise PLP projections - 2016-17 (`. lakh)

Sr. No.

Particulars PLP Projections

2016-17 I Credit Potential for Agriculture

A Farm Credit i Crop Production, Maintenance and Marketing 6308.10

ii Water Resources 90.52 iii Farm Mechanisation 266.22 iv Plantation and Horticulture (including sericulture) 1559.10 v Forestry and Waste Land Development 27.00

vi Animal Husbandry – Dairy 758.25 vii Animal Husbandry – Poultry 204.30

viii Animal Husbandry – Sheep, Goat, Piggery, etc. 104.40 ix Fisheries (Marine, Inland, Brackish water) 2454.00 x Others – Bullock, Bullock cart, etc. 11.70

Sub Total 11783.59 B Agriculture Infrastructure

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

267.15

ii Land development, Soil conservation, Watershed development

59.24

iii Others (Tissue culture, Agri bio-technology, Seed production, Bio pesticides/ fertilizers, Vermin composting)

8.55

Sub Total 334.94 C Ancillary activities

i Food and Agro processing 550.67 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 on lending)

150.00

Sub Total 700.67 Total Agriculture 12819.20 II Micro, Small and Medium Enterprises

i MSME – Working capital 1210.00 ii MSME – Investment credit 8340.12

Total MSME 9550.12 III Export Credit 2250.00 IV Education 2016.00 V Housing 6210.00 VI Renewable Energy 9.90 VII Others (Loans to SHGs/ JLGs, loans to distressed persons to

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

1755.00

VIII Social Infrastructure involving bank credit 396.90 Total Priority Sector 35007.12


Map of Andaman and Nicobar Islands

UNION TERRITORY- PROFILE AT A GLANCE

A. Profile of Union Territory

1. The Union Territory of Andaman and Nicobar Islands is known throughout the country as 'Kalapani' because of having been a Penal Settlement under the British Rule. The islands lie in a long and narrow broken chain, approximately north-south sprawling like an arc. Andaman group of islands and the Nicobar group of islands, have entirely different population and problems. The dreaded 10o channel, which is about 145 km wide and 400 fathoms deep, separates the two groups. This territory comprises of islands some of which are large such as North Andaman, Middle Andaman, South Andaman, Baratang, Little Andaman in the Andaman group and Car Nicobar. Situated in the Bay of Bengal, Andaman and Nicobar islands constitute one of the most important union territories. This is a group of big and small picturesque islands, situated at 16oN and 14oN latitude and 92oE and 94oE longitude.

The terrain is generally mountainous with long ranges of hills enclosing narrow valleys. The configuration of the land clearly points to these islands being the visible ridges and summits of sunken ranges of mountains, Saddle Peak in North Andaman at a height of 732 metres above sea level is the highest point in these islands.

Per capita income estimates for 2011-12 for the UT was Rs.91,730 at constant prices and Rs.122,686 at current prices.

None of the districts in the UT is classified as a minority concentration district.

2. Soils

The soils of the Andaman and Nicobar Islands have been classified into 3 orders Entisols, Inceptisols and Alfisols. The main agricultural soils are found in the valleys and are of alluvial and colluvial origin. 3. Climate

The climate of Andaman and Nicobar Islands is described as Tropical Climate. The Islands are situated in the Hot or Torrid Zone. Nearly 86 percent of total area in these Islands is covered by forest. 4. Major economic activity and livelihood options in the island

Luxurious rainforests make the Andamans a 'gold mine' of timber. Tropical fruits are found on the hilly parts of the islands in abundance. The potential for fishery offers opportunities for industrial development. Paddy is the main field crop, while coconut and areca nut are the main cash crops of the Nicobar Islands. Other crops like pulses, oilseeds and vegetables and spices like pepper, cloves, nutmeg and cinnamon are also cultivated. Rubber, red oil, palm and cashew are grown in a limited scale on these islands. Goat rearing is one of the predominant activities in the islands. The major industries in the region include PVC conduit pipes and fittings, paints and varnishes, fiber glass, soft drinks and beverages, and steel furniture. 5. Major Food, Commercial and Plantation / Horticulture Crops

The cultivation of crops is totally rainfed receiving nearly 3180 mm rainfall annually with an average of 154 rainy days in one year.

6. Special / Additional / Other Features of the UT relevant to credit estimates

Cattle , buffaloes, sheep, goat and pigs are the available livestock in these Islands. There is a good scope for goat and cattle farming in many parts of these Islands. A large number of people of these Islands are involved in the fishing activity. Sea shells are also collected out of which handicraft items are manufactured which give good commercial value. The Andaman & Nicobar Islands attract tourists from all around the globe.


8249

6

9

555

69

824900 Normal 2012 2013 2014

717069 3180 3408.0 3672.0 2597

8819 -1.8 7.1 -41.4

NA Balance

NA NA

NA

Nos. % to Total Ha. % to Total

14710 4626 39.19 2021 9.25

16535 2415 20.46 3464 15.85

1825 4762 40.35 16371 74.90

1.12 11803 100.00 21856 100.00

16.56 Total Male Female Rural Urban

4.87 380.58 202.87 177.71 237.10 143.48

4.78 Nil Nil Nil Nil Nil

3.72 28.53 14.70 13.80 29.47 NA

11.41 237.10 183.13 146.49 164.09 890.47

127.46 67.06 NA NA NA NA

94.55 NA NA

58.53 NA NA

7.61 NA NA

331 680 9

NA 22 4

272 125 1065

34

230 53 2243

22 612 NA

NA NA NA

254 NA NA

75 27

7109 706.00 52

7109 6500 3

2689

NA 8 11

536 876 10

NA Nil 8916

2636 155 5

5861 3032 185

No of units Cap.[MT]

139 NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT)

Nil Nil 8390.00 23916.00 8005 24368 3044.10

Nil Nil 1661.00 3067.00 1488 2908 1954.30

Nil Nil 2610.00 1155.00 578 279 482.70

Nil Nil 21768.00 95.00 21900 129 5.89

Nil Nil 4152.00 5800.00 4290 9960 2321.68

NA NA 5150.00 31300.00 5175 34500 6666.67

Nil Nil 2879.00 27432.00 3620 30600 8453.04

Nil Nil

Category of animal Total Male Female 69 NA

Cattle - Cross bred 6 NA

Cattle - Indigenous 58 99

Buffaloes 9.90 NA NA - 9

Sheep - Cross bred NA NA 1 14

Sheep - Indigenous NA NA 49 11

Goat 67.47 NA NA 409 NA

Pig - Cross bred

Pig - Indigenous Fish 36753.000 215.4

Horse/Donkey/Camel 0.003 NA NA Egg 779.72700 179

Poultry - Cross bred Milk 25.000 18.4

Poultry - Indigenous Meat 630.000 26.2

Total Geographical Area (Sq.km)Agro-climatic Zone Zone XV - Island Zone

No. of Sub Divisions

Union Territory Profile

Union Territory - Andaman & Nicobar Islands

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE

No. of Blocks Climate Tropical Climate - 230C to 30.20C with pleasant sea breeze

No. of Villages (Inhabited)Soil Type

75% soil texture is sandy clay to clay loam and remaining area is sandy

to clayey. Soil pH range is 5.5 to 8.5No. of Panchayats

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

Total Area Reported

Rainfall [in mm]Actual

Forest Land

Area Not Available for Cultivation Variation from Normal

Permanent Pasture and Grazing Land Availability of Ground

Water [Ham]

Net annual recharge Net annual draft

Land under Miscellaneous Tree Crops NA NA

Cultivable Wasteland 5. DISTRIBUTION OF LAND HOLDING

Current FallowClassification of Holding

Holding Area

Other Fallow2634

Area Cultivated More than Once >2 Ha

Cropping Inensity [GCA/NSA] Total

Net Sown Area <= 1 Ha

Total or Gross Cropped Area >1 to <=2 Ha

Of the above, Small/Marginal Farmers Population

Agricultural Labourers Scheduled Caste

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

Cultivators Category

Other workers BPL

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

Workers engaged in Household Industries Scheduled Tribe

Workers engaged in Allied Agro-activities Literate

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

Rural Households Having source of drinking water Having independent toilets

Hospitals

BPL Households Having access to banking services Having radio/tv sets

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

Villages having Post Offices Primary Health Sub-Centres Hospital Beds

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

Villages Electrified Anganwadis Dispensaries

Villages having Agriculture Power Supply Primary Health Centres

Villages 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]

Farmers' Clubs [Nos]

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

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

Irrigation Potential Created Threshers/Cutters [Nos]Krishi Vigyan

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

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

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

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

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

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

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

2010-11 2013-14

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

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

Fruit (Pulp/Juice/Fruit drink) Spices

Spices (Masala Powders/Pastes) Pulses

Avg. Yield

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

Sugarcane (Gur/Khandsari/Sugar) Paddy

Type of Processing ActivityCrop

Milk (Chilling/Cooling/Processing) Vegetables

Meat (Chicken/Motton/Pork/Dryfish) Fruits

Dry-fruit (Cashew/Almond/Raisins) Coconut

Cotton (Ginnining/Spinning/Weaving) Arecanut

Veterinary Hospitals/Dispensaries [Nos] Animal Markets [Nos]

Disease Diagnostic Centres [Nos]Milk Collection Centres

[Nos]

Animal feed (Cattle/Poultry/Fishmeal)

17. ANIMAL POPULATION AS PER CENSUS 2003 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES

49.76 NA

Animal Husbandry Tng Centres [Nos] Fish Markets [Nos]

Dairy Cooperative Societies [Nos] Poultry hatcheries [Nos]

Artificial Insemination Centers [Nos] Fishermen Societies [Nos]

Animal Breeding Farms [Nos] Fish seed farms [Nos]

Improved Fodder Farms [Nos] Slaughter houses [Nos]

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

Production [MT] Per cap avail. [gm/day]NA

NA

NA

48.41 NA

Sources (if not mentioned against the

respective item):

Item Nos. 1, 6, 7, 9 & 10 - Census 2001; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item No. 8 - BPL

Survey 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census 2003; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir.

of Eco. & Stat.

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

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

Production [MT] Per cap avail. [gm/day]980.90 NA NA

BANKING PROFILE

• State Bank of India is the Lead Bank of the Union Territory.

• The details of bank and branch network, their performance parameters in terms of deposits, loans outstanding, CD ratio, national goals, ACP achievements, recovery position, credit for women are furnished in the Banking Profile.

• The island has 20 CBs, 44 PACS and ANStCB catering to the credit needs of the people of the island. Out of 129 branches including PACS, 54 of them are in the semi-urban areas while only 59 are in the rural areas.

• The deposits of the banks have recorded a growth rate of 14.7% percent with Commercial banks having a higher share of 81.10%

• The ground level credit under Priority Sector Advances was Rs. 23030.20 lakh during 2013-14 and Rs.22379.00 lakh during 2014-15 with the percentage achievement under ACP target decreasing from 88 percent to 77 percent during the same period.

• Many banks were not in a position to achieve the norms fixed by RBI in respect of Priority Sector Advances, Direct Loans to Agriculture and Loans to Women.

• The overall recovery position was 75 percent in 2012-13 and 74.59 percent in 2012-13.

• As against the stipulation of 5 percent of total advances to women, the banks in the island had achieved a level of 1.2percent as on 31 March 2015.

• There are 6 Financial Literacy Centres set up by ANStCB with the financial support from NABARD at Diglipur, Mayabunder, Rangat, Noncowry, Cambellbay and Chouldari benefitting the villages in and around that area.

• BCs have not been appointed in banks in A & N Islands.

• There are 14866 accounts opened under PMJDY with 6610 rupaycards issued. Under PMSBY there are 8252 beneficiaries and under PMJJBY 1932 beneficiaries were covered.

• 18 loans have been provided under Pradhan Mantri Mundra Yojna (PMMY).

• ANStCB has provided 27508 Rupaycards under CBS and providing RTGS/NEFT facilities as well as SMS alert.


Union Territory - Andaman & Nicobar Islands

Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households

Commercial Banks 19 56 18 22 - Nil 200 Nil 15 9626

Regional Rural Bank Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil

District Central Coop. Bank Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil

Coop. Agr. & Rural Dev. Bank Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil

Primary Agr. Coop. Society 44 44 28 16 - - - - - -

A&N State Coop Bank 1 29 13 16 - - 4530 - 19 6520

All Agencies 64 129 59 54 - 5182 - 4.2 1466

31-Mar-12 31-Mar-13 31-Mar-14 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%)

Commercial Banks NA NA NA NA NA 23110600.00 26000300.00 22223700 -14.53 78.50


Cooperative Banks NA NA NA NA NA 4993800.00 6058300.00 6088400 0.50 21.50

Others Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil

All Agencies NA NA NA NA NA 28104400.00 32058600.00 28312100.00 -11.69 100.00

31-Mar-12 31-Mar-13 31-Mar-14 Growth(%) Share(%) 31-Mar-12 31-Mar-13 31-Mar-14 Growth(%) Share(%)

Commercial Banks NA NA NA NA NA 9113300.00 10278200.00 8630700.00 -16.03 70.83


Cooperative Banks NA NA NA NA NA 2739900.00 3011600.00 3554500.00 18.03 29.17


All Agencies NA NA NA NA NA 11853200.00 13289800.00 12185200.00 -8.31 100.00

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

Commercial Banks 39.53 39.30 38.83 4055 560 17844 657

Regional Rural Bank Nil Nil Nil NA Nil NA Nil

Cooperative Banks 54.68 58.38 58.38 119 50 23425 NA

Others Nil Nil Nil Nil Nil Nil Nil

All Agencies 42.18 41.45 43.04 4580 NA 37172 NA

Commercial Banks 78506 0.91 467100 5.41 190321 2.21 1892.00 0.0219 166948.00 1.93


Cooperative Banks 33383 0.94 380700 10.71 - Nil

Others Nil Nil Nil Nil Nil Nil Nil Nil

All Agencies 111889.00 0.92 847800.00 6.96 190321.00 2.2052 1892.00 0.0219 166948.00 1.9344

Commercial Banks 1469700.00 1470441.00 100.05 2069600.00 1741400.00 84.14 2069600.00 1395430.00 67.43 82.14


Cooperative Banks 360900.00 555233.00 153.85 550700.00 962900.00 174.85 550700.00 907590.00 164.81 165.88


All Agencies 1830600.00 2025674.00 110.66 2620300.00 2704300.00 103.21 2620300.00 2303020.00 87.89 99.46

Crop Loan 168037.00 90699.00 53.98 152200.00 123484.00 81.13 480000.00 36700.00 Nil Nil

Term Loan (Agr) 287563.00 563301.00 195.89 257500.00 610790.00 237.20 700000.00 929220.00 Nil Nil

Total Agri. Credit 455600.00 654000.00 143.55 409700.00 734274.00 179.22 968200.00 965920.00 99.76 128.40

Non-Farm Sector 147900.00 372300.00 251.72 291200.00 540000.00 185.44 303300.00 522900.00 172.40 193.32

Other Priority Sector 1093500.00 754400.00 68.99 1129000.00 751400.00 66.55 1137000.00 814200.00 71.61 69.06

Total Priority Sector 1697000.00 1780700.00 104.93 1829900.00 2025674.00 110.70 2408500.00 2303020.00 95.62 102.93

Commercial Banks 529371.00 437372.00 82.62 629442.00 426290.00 67.73 865277.00 596353.00 68.92 72.13


Cooperative Banks 206734.00 167221.00 80.89 203041.00 126566.00 62.34 200026.00 167761.00 83.87 75.69


All Agencies 736105.00 604593.00 82.13 832483 552856 66.41 1065303 764114 71.73 72.96

Sources : Lead Bank & SLBC

Lead Bank - State Bank of India

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

AgencyNo. of

Banks/Soc.

No. of Branches No. of non-formal agencies assoiated Per Branch Outreach

2. DEPOSITS OUTSTANDING

AgencyNo. of accounts Amount of Deposit [Rs.'000]

Commercial Banks

Cumulative

3. LOANS & ADVANCES OUTSTANDING

AgencyNo. of accounts Amount of Loan [Rs.'000]

% of Total

Loans

Regional Rural Bank

Cooperative Banks

Others

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

AgencyCD Ratio

AgencyDuring 2011-12

Ach'ment [Rs.

'000]

All Agencies

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

Agency

Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women

Amount

[Rs.'000]

% of Total

Loans

Amount

[Rs.'000]

% of Total

Loans

Amount

[Rs.'000]

% of Total

Loans

Amount

[Rs.'000]

Ach'ment

[%]

Amount

[Rs.'000]

% of Total

Loans

7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

Agency

2012-13 2013-14 2014-15 (Up to Dec 14) Average

Ach[%] in

last 3 years

Target

[Rs.'000]

Ach'ment

[Rs. '000]

Ach'ment

[%]

Target

[Rs.'000]

Ach'ment

[Rs. '000]

Ach'ment

[%]

Target

[Rs.'000]

Ach'ment

[%]

8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

Broad Sector

2011-12

9. RECOVERY POSITION

Average

Ach[%] in

last 3 years

Target

[Rs.'000]

Ach'ment

[Rs. '000]

Ach'ment

[%]

Target

[Rs.'000]

Ach'ment

[Rs. '000]

Ach'ment

[%]

Target

[Rs.'000]

2012-13 2013-14 (Up to Dec.13)

Ach'ment [Rs.

'000]

Recovery

[%]

Demand

[Rs. '000]

Recovery

[Rs. '000]Recovery [%]

Agency

2009-10 2010-11 2011-12 Average

Rec. [%] in

last 3 years

Demand

[Rs. '000]

Recovery

[Rs. '000]

Demand [Rs.

'000]

Recovery [Rs.

'000]

Recovery

[%]


1

Chapter 1

Policy Initiatives

The Government of India, Reserve Bank of India, State Governments and NABARD

have been taking a number of policy measures for the development of agriculture and

rural sectors and accelerating credit flow. The important measures/initiatives/

innovations are given below.

Policy Initiatives of GOI

• Ministry of Agriculture renamed as Ministry of Agriculture and Farmers Welfare

• Digitization of land resource inventorization for micro-level agricultural land use

planning.

• Project for hill agriculture under National Mission on Sustaining Himalayan

Ecosystem (to applicable states)

• Countrywide digital agricultural research database - Knowledge based Resource

Information Systems Hub for Innovations (KRISHI) in agriculture.

• Soil Health Cards (SHCs) to all 14 crore holdings in the country.

• Groups of farmers to be motivated to take up organic farming under

Paramparagat Krishi Vikas Yojna (PKVY). In three years 10,000 clusters to

be formed covering 5.0 lakh acre area under organic farming.

• Launching of Swachh Bharat Mission

• Ganga Action Plan (to applicable states)

• National Rural Drinking Water Programme (NRDWP) for the benefit of all segments

of rural population.

• Attracting and Retaining Youth in Agriculture (ARYA) towards agriculture and

agriculture related income generating enterprises to check rural migration.

• Student READY (Rural Entrepreneurship and Awareness Development Yojana) to

promote professional skills, entrepreneurship, knowledge and marketing through

hands-on experience.

• Special scheme in North-Eastern Region for promotion of organic farming

and export of organic produce.(To applicable states)

• Pradhan Mantri Krishi Sinchai Yojana (PMKSY)-To ensure access to some

means of protective Irrigation to all agricultural farms to increase

production and productivity and enhance farm Income (more crop per

drop).

• Promotion of National Market through Agri Tech Infrastructure Fund

(ATIF) to provide e-marketing platform at the national level in 642

regulated markets across the country.

• Price Stabilisation Fund to support market interventions for price control

of perishable agri-horticultural commodities.

• Make in India –Facilitate investment, foster innovation, protect intellectual property,

and build best-in-class manufacturing infrastructure.


2

• Announced an increase of 50% in the relief on input subsidy given to farmers and the

threshold for eligibility has been reduced to 33% for farmers affected by hailstorms

and unseasonal rains and other natural calamities.

• Micro Units Development and Refinance Agency Ltd (MUDRA) launched to extend

finance and credit support to Microfinance Institutions (MFI) and agencies that lend

money to small businesses, retailers, self-help groups and individuals.

• The schemes of Mega Food Parks, Cold Chain and Modernization of Abattoirs further

up-scaled during the 12th Plan. 12 new Mega Food Park projects, 75 Cold Chain

projects and 50 Abattoir projects has been approved for implementation during the

12th Plan.

• Parity in Development to Eastern and North Eastern regions was also advocated.

• Improve employability of rural youth under the Deen Dayal Upadhyay

Gramin Kaushal Yojana.

• Promotion of Solar Energy

• Pradhan Mantri Suraksha Bima Yojna, Atal Pension Yojana, Pradhan Mantri

Jeevan Jyoti Bima Yojana launched

• Pradhan Mantri Jan Dhan Yojana (PMJDY). NABARD’s efforts in this field

include facilitation of financial literacy and supporting technological

upgradation of cooperative banks and RRBs.

Policy Initiatives of Reserve Bank of India

In terms of the Revised Priority Sector Guidelines:

• Categories of the priority sector: Medium Enterprises, Social Infrastructure and

Renewable Energy will form part of priority sector, in addition to the existing

categories.

• Small and Marginal Farmers: A target of 8 percent of ANBC or Credit Equivalent

Amount of Off-Balance Sheet Exposure, whichever is higher, has been prescribed for

Small and Marginal Farmers within agriculture, to be achieved in a phased manner

i.e., 7 percent by March 2016 and 8 percent by March 2017.

• Micro Enterprises: A target of 7.5 percent of ANBC or Credit Equivalent Amount of

Off-Balance Sheet Exposure, whichever is higher, has been prescribed for Micro

Enterprises, to be achieved in a phased manner i.e. 7 percent by March 2016 and 7.5

percent by March 2017.

• Bank loans to food and agro processing units will form part of Agriculture.

• The loan limits for housing loans and MFI loans qualifying under priority sector have

been revised.

• Banks to ensure that their overall agriculture direct lending to non-corporate farmers

does not fall below the system-wide average of the last three years achievements.

• Banks to continue to maintain all efforts to reach the level of 13.5% direct agriculture

lending to the beneficiaries who earlier constituted the direct agriculture sector.

• Guidelines for relief measures by banks in areas affected by Natural Calamities have

been revised.


3

Policy Initiatives of NABARD

• Medium Term Refinance Product- The medium term refinance product will include

all the investment credit activities eligible for getting long term refinance from

NABARD.

• Long Term Rural Credit Fund: An amount of Rs.15000 crore has been allocated under

LTRCF

• NBFC-Relaxation- Refinance to NBFCs and NBFC-MFIs registered and operating in

the states in the Eastern region, North-Eastern region including Hilly states,

Lakshadweep and Chhattisgarh with rating norms relaxed.

• Rs.25,000 crore has been allocated under RIDF for 2015-16.

• Following new activities have been included for financing under RIDF:-

a) Solid Waste Management and Infrastructure works related with sanitation in

Rural areas

b) Infrastructure works related with alternate sources of energy viz. Solar, wind,

etc. andEnergy conservation

c) Hydel projects upto 25MW ( from existing 10 mw)

d) 5/10 mw Solar Photovoltaic Power Plant

• Assistance to RRBs and Cooperative Banks for training the BCs/CSPs/BCAs/BFs

engaged by them is available for capacity building in the areas of banking/financial

products and services

• A Special Fund with a corpus of Rs 2000 crore was created in NABARD 2014-15 for

making available affordable credit to agro-processing units in the Designated Food

Parks (DFPs) and individual processing units set up in the DFPs.

• Funding under NIDA to State Government and State owned institutions for

development of infrastructure in rural areas.

• Guidelines for relief measures by banks in areas affected by Natural Calamities have

been revised.

• NABARD has been accredited as National Implementing Entity of Green Climate

Fund

• The Green Climate Fund has been designated as an operating entity of the financial

mechanism of the UNFCCC to promote a paradigm shift towards low emission and

climate resilient development pathways.

• Constituted National Advisory Committee on Produce Fund along with other officials

from MoF, MoA, GoI, NDDB, SFAC etc., to review the critical issues relating to FPO

sector.

• NABKISAN Finance Ltd., a subsidiary of NABARD to provide financial support to

eligible FPOs with refinance assistance and other support facilities from NABARD

• A scheme has been introduced for promotion of Farmer Producer Organisations (FPOs)

for implementation by partnering with technically competent agencies.

• NABARD has started a Pilot programme for Digitization of SHGs


4

Policy initiatives of UT Administration

� The UT Administration is looking into the possibility of starting a supply chain so as to do

away with hurdles in transportation and marketing of farm produce.

� The UT Administration has taken steps for digitization of land records helping the

farmers.

� Web based services in 18 identified areas have been launched for improved eGovernance.

� The UT administration has agreed in principle to avail financial assistance from NABARD

under Rural Infrastructure Development Fund (RIDF) to create infrastructure in the

Union Territory. The Fund will provide financial assistance to complete those

infrastructure projects which remained incomplete due to want of budgetary allocation.

The assistance under the fund is also available for new infrastructure projects like roads,

bridges, irrigation, health centres, schools in the rural areas. The UT administration has

agreed to furnish the required documents to NABARD for availing loans from NABARD for

creation of rural infrastructure in A & N Islands.


5

Chapter 2

Government Sponsored Programmes involving Bank Credit

1.1 Introduction

The Government of India has evolved a number of credit linked subsidy schemes for providing a fillip to the promotion and strengthening of infrastructure pertaining to thrust areas of national priority. Major features of some of the important credit linked subsidy schemes of Government of India are discussed, in brief, in the following paragraphs. 1.2 Government Sponsored Programmes A. Central/State Government Sponsored Programmes

Sl.No Name of the Scheme Nodal Agency Objective Subsidy Quantum

(Range) 1 Prime Minster's Employment

Generation Programme (PMEGP) KVIB / KVIC & DIC

Loans for educated unemployed youth for starting MEPs

Loans upto10 lakh for service unit and `25 lakh for manufacturing unit. Subsidy: 25 percent & 35 percent for general & special categories in rural areas & 15 percent and 25 percent in urban areas respectively

B. Credit Linked Capital Subsidy Schemes of Government of India

Sl. No Objective Implementing

Agency Eligibility /

Norms/ Coverage

Nature of support

Assistance 1 Credit Linked Subsidy

Scheme for Rural Godowns DMI in collaboration with NABARD/ NCDC

For creation of storage capacity in rural areas.

For farmers and agri graduates: 25 percent subsidy with a ceiling of `2.25 crore. For entrepreneurs, corporates and partnership upto 15 percent subject to a max. Subsidy of 1.35 crore; For women farmers, SHGs, SC/ST entrepreneurs subsidy @ 33.33 % with a ceiling of ` 3.00 crore.


6

2 Strengthening/Development of Agricultural Marketing Infrastructure(AMI)

DMI in collaboration with NABARD / NCDC.

For strengthening agri marketing infrastructure.

Subsidy at 25 percent of the capital cost of the project with a ceiling of `50 lakh. For SC/ST @ 33.33% subject to a maxi. Of 60.00 lakh.

3 Agri Clinics and Agri Business Centres (ACABC)

National Institute of Agricultural Extension Management(Nodal Agency)

For providing effective extension system and employment opportunity for graduates/diploma holders in agriculture & allied sectors.

Projects upto an outlay of 20 lakh for individuals and max. of100 lakh for a group of 5 trained persons. Security and margin waived for loans upto5 lakh. Credit Linked Composite subsidy @ 36 % on project cost and 44% for SC/ST, Women & hilly areas.

4 Capital Investment Subsidy Scheme for Commercial Production Units of Organic Inputs

National Centre for Organic Sanction and Release of Subsidy through NABARD and NCDC

Fertiliser units, Fruit and vegetable compost unit, Vermi hatchery unit

25% subsidy with a ceiling of 20 lakh for Bio Fertliser units, 40.00 lakh for Fruit and vegetable compost units, 1.50 lakh for vermihatchery unit.

5 Dairy Entrepreneurship Development Scheme (DEDS)

NABARD in collaboration with the Department of Animal Husbandry and Banks.

To encourage dairy farmers to start diversified activities. To strengthen backward & forward linkages & extension services to the sector.\

Venture Capital Fund converted to DEDS w.e.f 1 September 2010. GoI is providing financial subsidy @ 25 percent for General and 33.33 percent for SC/ST beneficiaries. Bank Loan: minimum 40 percent of TFO & margin 10 percent

6 Scheme for salvaging and rearing of male buffalo calves.

Department of Animal Husbandry

To rear male buffalo calves for meat production & recover hides to

Cent percent interest subsidy on short term loan for Individual


7

enlarge raw material base for leather industry

units (1 to 9 calves) & 25 percent capital subsidy for Commercial units (10 to 50 calves) and Industrial units (1000 male calves).

7 Scheme on Pig Development


To encourage commercial pig rearing to improve production performance

Back ended capital subsidy @ 25 percent of outlay for (i) Pig breeding farms (maximum : `1,50,000); (ii) pig fattening units (maximum `19,000); and (iii) retail outlets (maxi `1,50,000) Subsidy @ 50 % for facilities for livestock markets (maximum ` 2,50,000)

8 Scheme for Establishment of Poultry Units and Mother units of Rural Backyard Poultry


To encourage SF/MFs, unemployed youth etc to take up Poultry Sector activities

Interest free loan of `36,000/- & subsidy ` `20,000/- per mother unit (Unit cost - 1,36,000/- for unit size of 1500 chicks per batch, Bank loan ` 80,000/-)

9 Poultry Venture Capital Fund (Subsidy)

NABARD in association with Department of Animal Husbandry and Banks

To encourage diversified activities under Poultry Sector.

Subsidy @ 25 percent for general and 33.33 percent for SC/ST beneficiaries. Minimum Bank Loan: 40 percent of TFO

Capital Subsidy Scheme for Solar Lighting and Small Capacity PVS system

Commercial Banks and Regional Rural Banks

The models could be home lighting systems or inverter based systems capable of handling general ACloands.

Subsidy at 40% of the approved unit cost for all categories of borrowers.


8

Chapter 3

Credit Potential for Agriculture - 2016-17

NABARD in the year 2013-14 had prepared Base PLP for five years conterminous with XII Five year Plan (2012-17) . The base PLP projected a five year credit potential under priority sector covering primary secondary and Tertiary sectors, with emphasis on the primary sector. These projections were based on parameters such as technical feasibility, availability of infrastructure, availability of exploitable resources, cropping pattern, agriculture practices and other developmental indices such as access of markets etc. some of these parameters may have undergoan a change in the UT since the finalization of Base PLP on account of factors such as changes in Government’s priorities and policies, strengthening of rural infrastructure, market forces, cost escalation, etc. necessitating a relook at the credit potential for the year 2016-17. The same has been presented in this chapter covering major areas in Agriculture sector, MSME and other Priority sector. 3.1. Farm credit 3.1.1 Crop Production, Maintenance and Marketing 3.1.1.1 Introduction Agriculture activity in Andaman Island is only about 100 years old though plantation crop were grown from ancient days especially in Nicobar Island. Only 6 percent of the total geographical area of island is available for agriculture out of which large area of cultivable land became unfit for cultivation as they got submerged under sea water consequent of Tsunami in 2004. The soil has low moisture retention capacity. Paddy is the main crop during kharif season. Besides paddy common tropical vegetables are cultivated through out the year during both kharif and rabi seasons. During the rabi season pulses and oilseeds are also grown. Generally mono cropping of paddy is practiced followed by pulses, oilseeds and vegetables. Ground Level Credit (GLC) for crop loan decreased from Rs. 1243.84 lakh in 2012-13 to Rs. 367 lakh in 2013-14. However, there was a sharp decline in GLC during 2014-15. As against a target of Rs. 3825.00 lakh the achievement stood at Rs.325.00 lakh. As the SAMIS has not been stabilized in the UT, the cropwise trends of GLC are not available. The issue of poor disbursement was discussed in the Union Territory Level Bank Committee (UTLBC) Meeting as well as in he DCC meetings regularly wherein banks were advised to disburse crop loans through KCC to all eligible farmers directly or through Joint Liability Groups (JLGs) 3.1.1.2 Assessment of Credit Potential for 2016-17 (` lakh) Sr. No

Activity Unit Base PLP (2016-17) Revised PLP (2016-17) Physical Units

Bank Loan

Physical Units

Bank Loan

1 Paddy(HYV) Ha 500 133.71 2900 1218.00 2 Paddy(Traditional) Ha 500 109.40 1500 555.00 3 Pulses Ha 500 72.93 1300 247.00 4 Oilseeds Ha 100 26.74 340 170.00 5 Vegetable(Exotic) Ha 700 399.90 2450 1837.50 6 Vegetable(Tradition) Ha 500 182.33 1700 561.00


9

7 Maintainence (Coconut/Banana)

Ha 500 255.26 1200 1680.00

8 Maize Ha 110 39.60 Total 1180.26 6308.10

3.1.1.3 Availability of Infrastructure, critical gaps and Intervention required, action Points/ issues to be addressed:

a) Infrastructure Availability:

• The agriculture department in coordination with agencies/institutions like KrishiVigyan Kendra and Central Island Agriculture Research Institute had introduced various policy initiatives and extension efforts for dissemination of better cropping techniques, development of infrastructure facilities with incentives in the form of subsidies.

• Construction of terminal market on Hub and Spoke system to facilitate farmers in marketing their product is in pipeline.

• A seed testing laboratory with a capacity of testing 10000 numbers of seed sample per anum has been established at Organic Horticulture Farm Sippighat.

• The Out Reach Centre at Diglipur run by Central Island Agriculture Research Institute(CIARI) with funding support of NABARD is also providing training and extension support to farmers. The institute conducts various training programmes, technological demonstrations, on field trails, customized training programmes, etc. b) Gaps

• Though paddy is the main field crop of the UT, there is no rice mill. A possibility is being

explored to formulate a project in North and Middle Andaman district to set up a rice mill through RIDF loan to UT administration.

• The Primary Agricultural Credit Societies(PACS) do not provide produce pledge loan due to non availability of premises/godown.

• The department of agriculture is facing constraint for transportation of inputs like HYV seeds from mainland in time. Delayed transportation ultimately results in delayed distribution to the farmers. c) Action Point

• Organic farming is picking up and can be popularised. Concerned departments and

Organic Farmers’ Association may join hands to expand area under organic farming.

• Small and Marginal Farmers may be organised into Producers Organisations to achieve economy of scale.

• Instructions of RBI/NABARD with regard to financing of oral lessees, tenants farmers and share croppers through the mode of joint liability groups need to be disseminated to all the branch level personnel.

• Dormancy of majority of PACS affiliated to the A & N SCB should be addressed to a large extent through implementation of Development Action Plan(DAP)/Memorandum of Understanding(MoU).


10

• SHGs may be encouraged to involve in production and distribution of certified seeds with active support of Agriculture Department.

• Tie-up arrangement by financing banks with agencies like EHL/Andaman Nicobar Cooperative Supply and Marketing Federation Ltd. can be considered for ensuring recovery of loans extended to coconut farmers.

• Development of market yards and providing infrastructure facilities like land and godown to PACS.

3.1.2 Water Resources 3.1.2.1 Introduction: Water is a natural resource, fundamental to life, livelihood, food security and sustainable development. Water availability is a key as also main factor influencing the production and productivity of agriculture sector. It is essential to provide timely irrigation for effective utilization of agricultural land. In the UT of Andaman and Nicobar Island, agriculture activities are mostly rainfed and the net irrigated area in the island is only 2689 ha. Though island receives 3180 mm of rainfall on an average there is often water scarcity for drinking as well as for cultivation purpose during December to April and between two successive rains due to erratic and highly unpredictable nature of rain. As per the data received from Lead Bank, Ground Level Credit under the sector during the last three years was Rs. 8.5lakhs in 2012-13, nil during 2013-14, Rs.4.00 lakhs for 2014-15 and projection for the year 2015-16 was Rs. 165.00 lakh. In view of various developmental initiatives taken by Union Territory administration the physical programmes has been changed and due to change in unit cost the financial programme has also undergone change. 3.1.2.2 Assessment of Credit Potential for 2016-17 ( lakh) Sl.No Activities Unit Base PLP 2016-17

Revised PLP 2016-17

PU FO BL PU FO BL 1 MI Pond No. 10 29.76 20.83 15 63.00 56.70 2 Diesel PS(5HP) No. 10 5.95 4.17 20 10.0 9.00 3 Electrical PS(5HP) No. 5 1.11 0.78 11 2.75 2.49 4 Renovation of

Ponds No. 10 3.72 2.60 15 6.30 5.67

5 Construction of RingWell

No. 10 8.93 6.25 10 18.50 16.66

Total 49.47 34.63 100.55 90.52 (PU - Physical Units; FO – Financial Outlay; BL-Bank Loan)


11

3.1.2.3 Availability of Infrastructure, critical gaps and Intervention required, action Points/issues to be addressed: a) Infrastructure: Infrastructure for energisation of pump sets is adequate in all inhabited villages in the island as they have been electrified and also there is sufficient supply of diesel. b)Gaps: Construction of artificial recharge structures like check dams, percolation tanks, etc. may be undertaken to augment the recharge of groundwater. c) Critical Intervention Required: Ground water is exploited inequitably and without any consideration to its sustainability leading to its over exploitation in several area. Further, low public consciousness about the overall scarcity and economic value of water results in its wastage and inefficient use. Farmers need to be educated in proper usage of scare resources. This will help conserving the scare resources as well as improve the efficiency of usage.

d) Action Points: • The flow of credit needs to be augmented keeping in view the various Loans-cum-subsidy

schemes being implemented by the Agriculture Department. • Encouragement for construction of water conservation measures undertaken by farmers by

extending adequate and timely credit may be given. • Take appropriate measures to arrest the alarming dwindling level of ground water such as

evolving an agricultural system which economize on water use and maximum value from water.

• Recycle and reuse of water including return flows, should be encouraged . • Agriculture Department may coordinate with banks and keep them informed about subsidy

schemes for various MI activities.

3.1.3 Farm Mechanization

3.1.3.1 Introduction: Farm mechanization has positive correlation to farm productivity and profitability, firstly through timeliness of field operation and secondly, through good quality work. Increased production, productivity and profitability of agriculture is the need of the hour. Farm mechanization is one of the technology inputs that is required to improve the process which can transform the subsistence farming to commercial farming. Farm mechanization leads to better utilization of irrigation potential, adoption of multiple cropping pattern, besides minimizing cost, increasing income, reducing drudgery in various farm operations, increasing cropping intensity etc. However, process of farm mechanization is dependent, inter alia, upon the size of operational holding and availability of credit. Ground level credit flow for mechanization was Rs. 10.26 lakhs in 2012-13 which is increased to Rs.27.40 lakhs in 2013-14 and Rs.31.00 lakhs during 2014-15.


12

3.1.3.2 Assessment of Credit Potential for 2016-17

(` lakh) Sr.No Activities Unit Base PLP 2016-17

Revised PLP 2016-17

PU FO BL PU FO BL

1 Tractor No. 2 15.05 11.70 15 103.50 93.15 2 Power Tiller No. 100 185.22 112.00 75 165.00 148.50 3 Copra Drayer No. 25 8.68 3.75 70 27.30 24.57 Total 208.95 127.45 295.80 266.22

(PU - Physical Units; FO – Financial Outlay; BL-Bank Loan)

The projections have been revised keeping in view the awareness and demand among farmers for farm mechanization. 3.1.3.4 Availability of Infrastructure, critical gaps and Intervention required, action Points/ issues to be addressed:

a) Infrastructure: • In order to bring improvement in the quality of copra with the usage of improved variety of

copra dryer , the same were acquired on pilot basis under Andaman Nicobar Coconut Mission ( ANCOM) and with funding support from NABARD under Farmers Technology Transfer Fund(FTTF).

• Establishment of copra dryer in 4 identified places in islands through ANCOFED and at Nancowry through Tribal Development Credit Society have also been supported by NABARD under UPNRM. One mobile dryer set up at Strait Island for the benefit of Great Nicobar Andamanees.

• Under the plan scheme” Assistance to farmers under high yielding programme” in Mechanised farming Govt. of India intends to encourage farmers to purchase tractors upto 35 PTO HP with matching implements. The scheme is formulated by UT administration and has approval of Govt. of India.

• Similarly under the plan programme/RKVY scheme farmers are encouraged for purchase of power tiller and other farm machines under which cost subsidy @ 40% with a ceiling of Rs. 45,000/- per power tiller whichever is less is being provided by Deptt of Agriculture.

• Capital investment subsidy scheme for development/strengthening of agricultural marketing infrastructure-Department of Agriculture and Co-operation under the Ministry of Agriculture has formulated the scheme to develop marketing infrastructure to cater to the post harvest requirement of production and marketable surplus of various farm products. Under the scheme farm equipments, suitable to the island like copra dryer etc are eligible..

b) Gaps: • The Servicing facilities for power tiller are not adequate and need to be strengthened. • Increasing demand for copra dryers in the island has to be met. • Virgin coconut oil extraction machines may also be established in the island in nicobar and

other major tribal belt. c) Critical Intervention Required: To solve the problems of mechanization of smaller holdings, the intervention is required will be Cooperative management of farm machinery either through Joint Farming Groups or Farmers Producers’ Organisations (FPOs) and providing Extension services to advise the suitability of various makes, models and horse power for different size of operational holdings.


13

d)Action Points: • Banks may in close coordination with the Agriculture Department extend loans for purchase

of copra dryers, farm implements, etc. • Banks, including cooperatives , may increasingly adopt the strategy of JLG financing to enable

SF/MF to purchase farm mechineries and equipment. • Finance may also be extended for renovation/repairs/replacement of spare parts of power tillers. • Availability of spares is respect of farm implements and service facilities may be ensured.. • A possibility ofo identifying Farm Mechanisation as an activity for JLGs may be explored by

banks and NGOs. 3.1.4 Plantation and Horticulture including Sericulture 3.14.1 Introduction: The agro-climatic condition of these island are congenial for the Horticulture crops like Coconut, Arecanut, rubber , clove, pepper, medicinal and aromatic crops, cinnamon, mango, orange lemon, banana, papaya, pineapple, cashewnut etc. The Government of India has notified Medical and Aromatic Plants promotion as thrust area and set up National Medicinal Plant Board(NMPB) and National and State Level medicinal Plants Board(SMPB) at State level. Due to non-stabilization of SAMIS, Ground Level Credit Data for plantation and horticulture are not available, Plantation and Horticulture is one of the most important economic activities of the Islands. The main plantation crops of the Island are Coconut in more than 21000 Ha followed by Arecanut (4200 Ha) and Cashewnut (1200 Ha). Major horticultural crops are Banana (1675 Ha) followed by Mango and Pineapple. Spices and medicinal plants are also grown in about 1666 Ha. Thus, there is ample scope for financing these activities. Due to the thrust by the UT administration on developing plantation and horticulture sector though the High Value Agriculture Development Agency (HVADA) under the aegis of the Deptt of Agriculture, the activity is going to pick up further. Accordingly, the base PLP projections have been revised upwards. 3.1.4.2 Assessment of Credit Potential for 2016-17 ( lakh) Sr No Activities Unit Base PLP 2016-17

Revised PLP 2016-17

PU FO BL PU FO BL 1 Cashew Ha 50 46.31 41.67 100 102.00 91.80 2 Coconut

Rehabilitation Ha 325 338.61 304.74 500 600.00 540.00

3 Organic Cultivation of coconut

Ha 250 231.53 208.37 400 408.00 367.20

4 Pineapple Ha 10 20.84 18.75 49 108.78 97.90 5 Other Fruits Ha 60 41.67 37.51 150 117.00 105.30 6 Spices Ha 20 18.52 16.67 40 40.00 36.00 7 Poly House Ha 10 20.84 10.42 30 38.40 34.56 8 Oyster Mushroom Ha 20 9.26 8.33 35 18.20 16.38 9 Stevia Ha 5 75.25 67.72 15 235.95 212.36


14

10 Other medicinal and aromatice plant

Ha 20 30.10 27.00 40 64.00 57.60

Total 832.91 741.29 1732.33 1559.10

3.1.4.3 Availability of Infrastructure, critical gaps and Intervention required, action points/issued to be addressed:

a) Infrastructure: • Under High Value Agriculture, the Agriculture Department has initiated steps for crop

diversification through commercial cultivation of High Value Agriculture Crops like fruits, coconuts, spices, flowers and medicianal, aromatic and dye plants through National Horticulture Mission, National Horticulture Board and Coconut Board.

• Coconut mission was launched by Dept. of Agriculture in Car Nicobar in 2009 giving more stress on value addition of coconut product.

• NABARD has sanctioned a project under Tribal Development Fund for establishment of Coconut nursery in Islands around Great Nicobar.

• A research project has been sanctioned to Central Island Agriculture Research Institute (CIARI) Port Blair on Production Technology of Mushroom for nutritional and livelihood security of Island farmers by NABARD. The project aims to create awareness among the select farmers about the nutritional and medicinal importance of mushroom, income generation, improving the socio-economic and nutritional status of the farming community and above all would address different constraints towards mushroom cultivation in the Island. The project aims at technology transfer from lab of CIARI to the land of maximum number of farmers.

• 3 Pilot Demonstration Units of copra dryer on community basis have been installed in car Nicobar with capacity of 1000 units per dryer in addition to distribution of 45 nos of copra dryers to individual farmers on cent percent assistance.

• Directorate of agriculture has 15 farms for coconut plantation and spices demonstration in North and Middle Andaman . In South Andaman there are 12 agricultural/horticultural/spices farm for demonstration, research, development of seeds and seedlings.

• Department of Agriculture has 48 input distribution depots at various location in UT.

b) Gaps: • Plenty of vegetable per day are produced by SHGs members of North Andaman. However

Non-availability of adequate transport facilities compel these farmers to sell their produce to the middlemen at very low price. Recently ANIIDCO has taken an initiatives to collect the vegetable from Diglipur and bring the same to Port Blair for sales.

• No regulated market has been formed and there is no legislative frame work to protect the interest of the producers.

c) Critical Intervention Required: Since the productivity of coconuts is very low at 23.5 nuts per tree, farmers may be motivated through extension efforts of Agriculture Department in coordination with Coconut Board to undertake replanting of old and senile plantation and adopt scientific package of practices.


15

d) Action Points:

• There is a need to popularize cultivation of medicinal and aromatic plants for which there is substantial potential in the island.

• Agro processing activities have a good scope for development in islands. Awarness about the advantages of Agro processing activities needs to be increased.

• To encourage setting up of nurseries, tissue culture labs, ploy houses, green house, mist chambers and ensure supply of quality planting material.

• Awareness about NABARD’s Natural Resource Management and Producers Organisation initiatives will be created across Andaman & Nicobar Islands by NABARD. 3.1.5 Forestry and Waste Land Development 3.1.5.1 Introduction: The main aim of the National Forest Policy is to ensure environmental stability along with maintenance of ecological balance and atmospheric equilibrium which are vital for the continued sustenance of all form of life. Andaman & Nicobar Island is one of the world’s few outposts of virgin rain forests, which are preserved the way they had evolved and still inhabited by tribes considered to be amongst the oldest living communities in the world. It is predominantly a forest area with 86.90% of the geographical area covered with forest. Though the Annual Credit Plan for the year projected ground level credit to the extend of Rs. 10.20 lakhs for the year 2013-14, the ground level credit flow for the previous three years was Nil. Moderate revision in the base PLP is made. 3.1.5.2 Assessment of Credit Potential for 2016-17

(` lakh) Sl.No Activities Unit Base PLP 2016-17

Revised PLP 2016-17

PU FO BL PU FO BL 1 Farm

Forestry(Nursery) Ha 330 13.89 12.50 30 15.00 13.50

2 Nursery(0.25Ha) No 500 13.89 12.50 5 15.00 13.50 Total 27.78 25.00 30.00 27.00

(PU - Physical Units; FO – Financial Outlay; BL-Bank Loan) 3.1.5.3 Availability of Infrastructure, critical gaps and Intervention required, action Points/Issues to be addressed:

a) Infrastructure: • . Under the social forestry programme the Forest Department has been raising plantation, fuel

wood, fodder and fruit bearing trees by farmers on their own lands as well on the community land involving PRIs, village communities, farmers and NGOs.

b) Gaps: • The landscape of A & N island has tremendous potential for promoting eco-

tourism .Interpretation centers, camping facilities. Bird watching cruise in the creeks and trekking should be provided under the eco-tourism development. Rich Flora and Fauns, turtle


16

nesting, coral sighting could be added attraction to the tourist in the island. This will improve the island economy without compromising of the island ecology and environment. c) Intervention Required:

• Though forest species are promoted and encouraged all over the state, the nursery raising, so far has remained almost an exclusive forte of forest department. Forest nurseries as an entrepreneurial option has to be promoted across the state. There is urgent need to promote at least 2-3 centralised/decentralized nurseries through SHGs. d) Action Points:

• Banks to ensure better co-ordination with the line departments to identify loanees. • Bank may extend assistance under this sector. • The Forest Department may encourage private nurseries by sourcing its seedlings requirement

from them. Tie up arrangement can be made to ensure bank loans. • Efforts may be made by Forest Department in coordination with NABARD to rehabilitate the

terminated/displaced persons at Hutbay Dalda Palm Oil plant. 3.1.6 Animal Husbandry - Dairy 3.1.6.1 Introduction:

Animal Husbandry provides livelihood for large number of people and is the mainstay of small and marginal farmers and landless poor. The growth in human population, availability and cost of agricultural lands limited water resources and introduction of better yielding livestock have led farmers to take up livestock rearing on a larger scale to earn their livelihood. Dairy development can be broadly classified into four sub sectors viz (a) Milch animals,(b) Calf-rearing and cattle breeding(c) processing of dairy products and (d) fodder development & other related area. Ground level credit flow during the last three years is Rs. 67.30 lakhs in the year 2012-13, Rs. 14.80 lakhs in 2013-14 and Rs. 12.00 lakhs in 2015-16. Various Government sponsored schemes like Dairy Entrepreneurship Development Scheme, Poultry venture Capital Fund Assistance, piggery development scheme are under implementation. NABARD has extended under UPNRM working capital limits to a Producers Company viz. |Adhithi milk producers for procurement and distribution of cattle feed to milk producers. Considering these developments the physical projections for this sector have been increased. 3.1.6.2 Assessment of Credit Potential for 2016-17 (` lakh)

Sl.No Activities unit Base PLP 2016-17

Revised PLP 2015-16

PU FO BL PU FO BL 1 Cows CB Pair 150 95.50 85.95 200 216.00 194.40 2 Buffalo pair 125 79.59 71.63 130 130.00 117.00 3 Calf Rearing No 150 34.73 31.26 225 58.50 52.65 4 Fodder

Cultivation Acre 150 12.16 10.94 420 420.00 378.00

5 Mini Dairy No 3 18.00 16.20 Total 221.97 199.78 842.50 758.25



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3.1.6.3 Availability of Infrastructure, critical gaps and intervention required, action points/ issues to be addressed:

a) Infrastructure: • As per livestock census 2007 the cattle population is 39791. There are 9986 bufffaloes. • The Veterinary facilities maintained and continuously upgraded in the island are :

Category No Category No Veterinary Hospital 9 Poultry Farms 6 Disease Investigation Laboratories 5 Hatchery Units 5 Veterinary Aid Center 1 Duckery units 2 Vet Dispensaries & Sub Dispensaries 6 Cattle Farm 1 Veterinary Training Center - Liquid Nitrogen Unit 1 Goat Rearing Farms 2 Artificial Insemination Centers 5 Piggery Demonstration Units 5 Artificial Insemination sub centres 45 Duck Rearing unit 2 Quarantine Station 1 Mobile Vet Dispensaries 7 Fodder Farms 4

• At present, reconstituted milk is being produced by the Andaman and Nicobar Island Integrated

Development Corporation(ANIIDCO). • Adhithi Milk and Agriculture Producers Company (AMAAPCO) a Producers Company

supported under UPNRM by NABARD has been collecting liquid milk and supplying in pouches.

• Department maintains Cattle Holding Farm to imparts training and demonstration and to supply cross bred calves.

• Line Department is planning for establishment of chilling plant through ANINCO with financial assistance from RIDF administered by NABARD.

b) Gaps:

• Considering the vast gap in the demand and supply of milk in island, the banks in close coordination with Department of Animal Husbandry and Veterinary Services should make concerted efforts to finance this sector.

c) Action points:

• Banks need to reach out and exploit the excellent potential in this sector through enhanced credit flow. Banker should encourage setting up of mini dairy units with fodder cultivation as an integral part of the scheme by individuals and or SHGs.

• Bank may support calf-rearing schemes to exploit the breeding facilities available. • Motivation campaigns may be initiated by the government so that private agencies are

encouraged to take up cattle feed manufacturing and cattle breeding.

NABARD Regional Office has made available model bankable projects to all the Branch Managers through LDM. The same are also available on UTLBC website viz. utlbcandaman.com. The Lead District Manager and bankers may formulate Area Development Schemes in coordination with NABARD and Agriculture Department in the areas of dairy farming and increase the credit flow through term loans which will lead to capital formation.


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3.1.7 Animal Husbandry – Poultry 3.1.7.1 Introduction: Among the various poultry rearing activities layer and broiler farming are popular on commercial lines. Poultry farming can provide subsidiary income and gainful employment to farmers through out the year. In Andaman & Nicobar Islands the development of poultry farming is not significant. The total egg production is around 779 lakhs during the year 2011-12 which is inadequate. The per capita consumption is 167 eggs. The broiler industry is fairly widespread with capacity ranging between 200 to 1000 birds per farm. The total number of poultry birds in the UT were 9.81 lakhs as per the census of 2007. While Union Territory offered good scope for broiler farming, layer farming has yet to stabilize. Ground level credit flow for the poultry is Rs. 388 lakhs in 2012-13, Rs. 201.00 in 2013-14 and Rs. 2.00 lakh in 2014-15.. The estimated credit flow for the year 2013-14 was Rs. 454.00 lakhs. 3.1.7.2 Assessment of Credit Potential for 2016-17

(` lakh) Sr. No

Activities Unit Base PLP 2016-17

Revised PLP 2016-17

PU FO BL PU FO BL 1 Poultry Layer 200 birds 60 48.62 43.76 100 90.00 81.00 2 Poultry Broiler 100 Birds 20 19.05 17.15 110 110.00 99.00 3 Poultry-Broiler 1000

Birds - 10 27.00 24.30

Total 67.67 60.90 227.00 204.30 3.1.7.3 Availability of Infrastructure, critical gaps and Intervention required, action Points/issues to be addressed:

a) Infrastructure: • Eleven Government hatcheries are available in the island which supply day old chicks of both

broiler and layer birds to the farmers in addition to meeting their own requirements. • Animal Husbandry department carries out extention services on regular basis. • AH Department maintaines six poultry demonstration-cum training farms. • Out Reach Centre established by CIARI at Diglipur with grant assistance of NABARD , is

helping the farmers to adopt poultry, duckery as additional activities besides agriculture. • Under Farmers Technology Transfer Fund NABARD has also funded CIARI to impart

improved poultry farming techniques in rearing Nicobar fowl to Rural Women of Andaman and Nicobar for sustainable rural livelihood.

b) Gaps: • There is lack of awareness and exposure to the farmers from the UT for this types of activities.

Progressive farmers of the island may be deputed to mainland for better exposure in the field. • Though the availability of eggs and poultry meat has improved, there is still scope to increase

the overall production to meet the growing demand.


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c) Intervention Required: • Units operating in controlled conditions need to be setup, particularly in North and Middle

Andaman.

d) Action points: • Banks may extend credit support to the poultry sector. • Campaigns may be organized and training may be imparted to the unemployed youth for taking

up poultry farming on a large scale. • The AH Department may arrange interface meetings between the farmers and firms engaged

in contract farming in poultry activities. • Poultry government scheme on poultry.

3.1.8 Animal Husbandry – Sheep, Goat, Piggery, etc. 3.1.8.1 Introduction:

Sheep, goat and piggery are important economic activities which provide not only the primary source of livelihood to a majority of landless labourers but also provide supplementary income to small farmers/marginal farmers. They are important subsidiary activities. In Union Territory Sheep rearing is not a significant activity. The Malabari crossbreed goats are available in good numbers. Most of the pig population in the island is found in the tribal areas of Nicobar district. In A & N islands, importing of animals without valid documents and introduction of animals in new place are against the provision of the Animal Transportation Act. Hence the island is free from many of dreaded diseases of animals. Though during the last three years ground level disbursement of credit was nil and the estimate for the year 2015-16 as per ACP was at Rs. 371.00 lakhs, which appears to be ambitious. 3.1.8.2 Assessment of Credit Potential for 2016-17


Revised PLP 2016-17

PU FO BL PU FO BL 1 Goatery 75 34.73 31.26 100 44.00 39.60 2 Piggery 50 45.25 33.93 80 72.00 64.80 Total 79.98 65.19 116.00 104.40

3.1.8.3 Availability of Infrastructure, critical gaps and Intervention required, action Points/issue to be addressed:

a) Infrastructure: • In terms of latest census of 2007, the population of goat in the UT was 67472. • There are three Govt. training-cum-demonstration farm in this territory providing training in

scientific goat rearing practices to interested farmers. • Upgradation of local germplasm is carried out through selected improved bucks. • Artificial Insemination in goats using Boar goat semen has been introduced for upgrading the

local stock • Department has planned for upgrading the existing poultry demonstration farms with hatcheries.


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• Implementation of Piggery Development Programme in Union Territory envisages training of tribals, farmers and entrepreneurs in scientific pig rearing.

• Under the Piggery Development Programme the department proposes to strengthen the pig breeding farms in A & N Island by providing necessary infrastructure and input for producing piglets b) Gaps:

• Training programme under these activities by various agencies are not carried out in a time bound manner and bankers have not been involved in such programmes c) Intervention required:

• The extent of grazing land is limited. This has to be addressed if the activities under the sector are to be taken up on a commercial basis. d) Action points:

• Banks may coordinate with AH Department and extend credit facilities to the small and marginal farmers, tribal and entrepreneurs

• Department of AH may ensure that the various programme are carried out in time bound manner in co-ordination with the bank

• Popularise GoI subsidy scheme for piggery.

3.1.9 Fisheries – 3.1.9.1 Introduction Fisheries encompasses exploitation of fish from fresh water , marine and brackish water sources. The fisheries sector which started only as a subsistence livelihood activity during the early plan period is now emerging as a vital sector, contributing to employment generation, food security and foreign exchange earning significantly. Fish production of in A&N Islands is showing steady rising growth. The Andaman Nicobar Island have a coastline of 1912 km.( 24 Percent of coast line of the country) with continental shelf of 35000 sq. km. And Exclusive Economic Zone of 6 lakh sq. km constituting about 28 percent of Indian Exclusive Economic Zone. Fisheries continued to be one of the major natural resources of the Islands. The fishing season is spread over nine months excluding the peak monsoon months from June to August. Estimated annual exploitable fishery potential in 1.48 lakh tones which is 6 percent of the national potential. The credit flow to this sector is Rs. 171.36 lakh in 2012-13, Rs. 26.00 lakh in 2013-14 and Rs. 19.00 lakh in 2014-15. 3.1.9.2. Assessment of Credit Potential for 2016-17 ( lakh) Sr. No.


Revise PLP 2016-17

PU FO BL PU FO BL 1 Traditional craft No 30 24.31 10.94 30 27.00 24.30 2 Mechanised Craft No 30 27.78 12.50 30 30.30 27.28 3 Motorisation of

Traditional Craft No 20

0 81.03 36.47 200 90.00 81.00


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4 Mechanised Boat & Gear OAL:10-20 m 1000 Gillnet/lines

No 25 289.41

231.53 25 302.50 272.25

5 Mechanised Boat & Gear OAL:12.5 m 1500 Gillnet/lines

No 40 636.69

509.36 40 665.60 599.04

6 Mechanised Boat & Gear OAL:12.5 m 1000 hooks long line

No 40 648.27

518.62 40 677.60 609.84

7 Tuna Longliners No 12 868.22

694.58 12 907.56 816.80

8 Shrimp Culture Ha. 3 24.31 21.88 3 26.10 23.49 Total

2600.

03 2035.86

2726.66 2454.00

3.1.9.3 Availability of Infrastructure , credit gaps and intervention required, action points/issues to be addressed: a) Infrastructure:

• In Andaman Nicobar islands there are about 1819 minor irrigation ponds. The fish seed in the form of young fishes are produced through induced breeding and are reared for period of 30 to 45 days and are supplied to the farmers for stocking in the ponds for further rearing The UT Administration extends financial assistance for establishment of modern fish retail outlet with facilities like deep freeze, chilled display cabinet,cleaning and cutting equipments, waste disposal system, electronic weighing balance etc.

Two modern hygienic fish markets at Mohanpura and Junglichat are being constructed in South Andaman district for which financial assistance has been sought by UT administration from NABARD under Rural Infrastructure Development Fund (RIDF).

b) Gaps: • Induction of air /sea connectivity to Bangkok and Singapore markets with cold storage cargo

handling facility for export items such as Sashimi Tunas • Development of fisheries estates with all required facilities ( road, diesel outlets, potable water,

ice plants , cold storage, processing plants) at 3 major fish landing centres • Canning plants to make use of coastle tunas/skip jacks • Hygenic waste disposal system

c) Intervention required:

• For the development of fisheries, fish landing centers, minor fishing harbor and major fishing harbor are the basic infrastructure . In A & N Island such facilities are lacking hence, it is proposed to create pre-harvest infrastructure like fish landing centre, minor and major fishing harbor and post harvest infrastructure such as Ice plant, Cold storage, processing plants etc.

• Despite the potential available for the development of fisheries activities and the massive incentives provided by the Government achievement under fisheries sector presented a dismal picture and credit flow to the sector had been minimal.


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d) Action points : • There is need to upscale the development on commercial basis by an appropriate Public Private

Partnership mode. This calls for a more proactive role on the part of the banks and the administration.

• Fishermen are settler and do not own land to offer as collateral security for bank loans. The bank may therefore consider fishermen through SHGs

• Better coordination between the banks and Fisheries Department would result in meeting the credit requirement of fishermen and extending assistance under subsidy scheme.

• Shore base facilities for landing and berthing, bunkering and supplies, processing, cold storage , marketing and shipmen of mainland may be improved

• Training may be imparted to fishermen in use of modern technology to enhance productivity and also in integrated fish farming and fresh water prawn culture

• Comprehensive policy for exploitation of the huge potential available for export of fish and fish product needs to be prepared

• Possibilities of direct export instead of through mainland may be explored. • Agriculture Department may formulate the projects for Fishing Jetty, Ice plant, cold storage ,

Fish market etc in A & N Islands to be financed by NABARD under RIDF. 3.1.10 Others - Bullock, Bullock-carts, etc.

3.1.10..1 Introduction Despite large scale application of tractors and electrical power in agriculture, animal power plays an important role in India. Bullocks continue to perform farm operations for small and marginal farmers and are popular for transporting the inputs to the farm as well as for taking the produce to the market place. 3.1.10.2 Assessment of Credit Potential for 2016-17 (` lakh) Sr No.


Revised PLP 2016-17

PU FO BL PU FO BL 1 Bullock

CART No 10 7.52 6.77 20 15.60 11.70

Total 7.52 6.77 15.60 11.70 3.1.10.3 Availability of Infrastructure, critical gaps and Intervention required, action points/issues to be addressed:

a) Infrastructure : • Quality animals are not available in the Islands and they have to be brought from mainland

involving a lot of procedural clearances. • There is limited availability of grazing lands. b) Action points: • Bullock Carts under JLG may be considered by banks


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3.2 Agriculture Infrastructure 3.2.1 Construction of storage facilities 3.2.1.1 Introduction Storage Godown and Marketyards are an integral part of any economic development , as it is the infrastructure that brings about additional value and helps to prevent losses of perishable items and these are generally funded partly out of budgetary resources. However, to supplement the Government’s efforts, private entrepreneurs also play key role in development of this sector. The Andaman Nicobar Islands do not have adequate storage and marketing facilities. The PACS in the Islands are weak and most of them do not have godowns. The present storage capacities and facilities are inadequate and most of the available units are traditional and / or unscientific. The ground level disbursement for the last three years was Nil however projections for the year 2015-16 was made at Rs. 110.00 lakh. 3.2.1.2 Assessment of Credit Potential for 2016-17 Union Territory administration has been striving to make available to the farming community Agri Marketing Infrastructure in accordance with the 12th five year goal. Taking into consideration this fact the projection is enhanced.

(` lakh) Sr. No


Revised PLP 2016-17

PU FO BL PU FO BL 1 Rural Godown( 250

MT) 5 46.31 41.67 10 100.00 75.00

2 Cold Storage 2 69.46 62.51 7 256.20 192.15 115.76 104.19 356.20 267.15

3.2.13 Availability of Infrastructure,critical gaps and Intervention required, action points/issues to be addressed:

a) Infrastructure: • There are 18 godowns with capacity of 6866MT in entire Islands • The Agriculture department has initiated steps to establish a terminal market on the Hub-and

Spoke system with various collection centres located in identified Islands

b)Gaps: • There is no proper marketing / procurement arrangement for seasonal crops like cereals, pulses,

oil seeds, etc. The Department of Agriculture allows farmers of near by places to sell their produce in their office complex at Port Blair as and when required. However, these facilities are not adequate and cannot be considered as an organized marketing arrangements

c) Intervention Required: • The Island is lacking in post harvest infrastructures in the form of storage facilities for

copra/coconut before they are shipped to Port Blair. The storage facilities to be provided near jetty.


24

d) Action points: • Banks may consider assisting the projects which offer massive scope for increasing their loan

portfolio • With a view to assisting the farmers to overcome the problem of distress sale , banks may

extend pledge loans facilities, particularly SF/MF • As there is scope for small size godowns, in rural areas , banks may encourage rural

entrepreneurs through necessary credit support.The Industries and Agriculture Department may also motivate big business groups to take up constructions of cold storages facilities.

• The Cooperation Department may explore the possibilities of constructing a godown for each of the 46 PACS by availing loan from NABARD under RIDF. 3.2.2 Land Development 3.2.2.1 Introduction: Land is prime requirement for undertaking any kind of production of investment activity. Hence development of land is very crucial for agriculture and needs adequate attention for maintaining good soil health. Land development comprises all type of activities undertaken by farmers to improve productivity of land to prevent erosion and improve land quality. The undulating topography of the A & N Islands and high annual average rainfall of 3180 mm causes heavy soil erosion. Soil conservation work is costly and cultivators of the island are not in a position to undertake these work of their own. Further inundation of agriculture lands by sea water due to tsunami, permanent submergence of 4206 ha of cultivable land, increasing salinity level due to poor drainage etc. the other area of concern calling for concerted attention for the development of this sector. Most of the hilly land allotted to the cultivators are remaining as waste land or uncultivated. Though Annual Credit Plan for the year 2015-16 projected credit flow of Rs. 143.00 lakhs , there is no ground level credit flow for Land Development during the last three years. Though there was no ground level credit flow during the last three years the physical projection is marginally increased taking in to consideration the various initiatives taken by the administration. 3.2.2.2 Assessment of Credit Potential for 2016-17


Revised PLP 2016-17

PU FO BL PU FO BL 1 Soil Conservation ha 5 1.56 0.78 11 3.85 3.47 2 Land Shaping ha 5 1.74 1.56 11 7.37 6.63 3 Drainage ha 100 23.15 20.84 105 27.30 24.57 4 Reclamation ha 50 11.58 10.42 105 27.30 24.57 Total 38.03 33.60 65.82 59.24



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3.2.2.3 Availability of Infrastructure, critical gaps and Intervention required, action Points/issues to be addressed:

a) Infrastructure • The Department is implementing soil conservation scheme on watershed basis in an integrated

manner in the holdings of the cultivators on loan-cum-subsidy basis. • The department proposes to strengthen the soil testing programme by strengthening the existing

soil testing labrotary, establishing a new soil testing laboratory and popularizing the use of micro nutrients through management of nutrient/soil ameliorants.

b) Gaps • The UT is having drainage problem in some pocket resulting in inundation and water logging. • Extension efforts to bring about awareness among the farmers regarding the long term benefits

of land development works appear to be inadequate. • There is lack of awareness among farmers about adoption of conservation agricultural practices. • Almost all the major land development and soil conservation projects in the island were taken

care of by the Agricultural Department and over the year there has been virtually no credit flow to this sector.

c) Critical Intervention Required: • Investment in infraqstructure for land development is available only out of UT administration

initiatives. Investment credit flow to land development is not encouraging, which can be stepped up by financing along with other investments.

d) Action Points: • Seminars and workshops to build up awareness programmes on soil conservation, use of

organic manures, bio-fertilisers need to be conducted by Agriculture Department. • Bank may extend adequate credit support for setting up bio-fertiliser units. Banks may steps in

to finance reclamation of other lands. • Reclamation of problem soil(Sline and Alkaline soil) needs to be attended on a priority basis

Agriculture Department may motivate the farmers in this direction. 3.2.3 Others 3.2.3.1 Introduction The following activities are included under other activities covered under agriculture infrastructure.

• Tissue culture, • Agri bio-technology, • Seed production, • Bio-pesticides/ fertilizer • Vermi- composting • Floriculture • Vegetable cultivation


26



Revised PLP 2016-17

PU FO BL PU FO BL 1 Vermi compost ha - - - 19 9.50 8.55 Total 9.50 8.55

(PU - Physical Units; FO – Financial Outlay; BL-Bank Loan) 3.2.3.3 Availability of Infrastructure, critical gaps and I ntervention required, action Points/issues to be addressed: There are no critical gaps and the available infrastructure is adequate.

3.3 Ancillary activities

3.3.1 Food and Agro processing 3.3.1.1 Introduction: Food processing industry in India is increasingly seen as a potential source for driving rural economy as it brings synergy between industry and agriculture. A developed food processing industry is expected to lead increase in farm gate prices translating into increased rural incomes, reduce wastages, ensure value addition, promote crop diversification, generate employment opportunities as well as export earnings. Separate data of ground level disbursement for this activity is not available. The potential has been revised upward based on interaction with various entrepreneurs. 3.3.1.2 Assessment of Credit Potential for 2016-17

(` lakh) Sr.No. Activities Unit Base PLP 2016-17

Revised PLP 2016-17

PU FO BL PU FO BL 1 Fish & Shrimp

Processing No. 5 34.73 26.05 15 120.00 90.00

2 Coconut Processing No. 5 34.73 26.05 15 120.00 90.00 3 Fruit Processing No. 5 34.73 26.05 12 132.00 99.00 4 Cattle feed

manufacturing No. 5 34.73 26.05 8 49.60 37.20

5 Bakery No. 25 69.46 52.09 24 67.20 50.40 6 Pickle Making No. 10 13.89 10.42 18 25.20 18.90 7 Masala Making No. 10 28.94 21.71 19 53.20 39.90 8 Food Products &

Beverage No. 15 100.71 75.54 19 123.50 92.63

9 Health Mix No. 5 4.63 3.47 12 11.04 8.28 10 Snacks/Pickles No. 10 10.42 7.81 16 16.32 12.24 11 Ice cream and Milk

Products No. 5 10.42 7.81 8 16.16 12.12

Total 377.39 283.04 734.22 550.67


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3.3.1.3 Availability of infrastructure, critical gaps and Intervention required, action Points/issues to be addressed:

Infrastructure :

• Andaman & Nicobar Administration has established Extension Centre for food processing during the Eighth Five Year Plan with a view to integrate potential agriculture, horticulture and marine resources with the industries.

• A Training-cum-production center on food processing has been set up at Industrial Estate Dolly Gunj at Diglipur by M/s UNNATI a local NGO in association with Directorate of Industries and other line departments like Directorage of Agriculture and NABARD.

• In the Islands, a mini model milk processing unit has been established at Livestock Farm Complex, Central Agricultural Research Institute here. This unit would serve as a model low cost unit for the entrepreneurs, SHGs, NGOs and village dairy cooperatives.

• Processing of products of agro-climatically suitable crops like spices, rubber, mushroom, etc., are being developed for adoption in these islands.

a) Gaps

• Most of the processing activities suitable to the islands are in practice in rural areas but in a sporadic and unorganized manner. Given the crucial role agro-processing plays in value addition and employment generation in the country, there is a critical need to focus on the development of this sector.

• Motivating the farmers and strengthening the post harvest technology will be the key ingredients for the purpose.

• Since most of agro and food processing activities could be taken up as micro enter[roses as we;;. The DIC and DRDA may have to evolve necessary support systems so as to motivate the members of the SHGs and other rural women to take up these activities as viable income generating economic ventures.

b) Intervention Required

• A comprehensive infrastructure facility for Paddy and Pulses processing in Diglipur (North and Middle Andaman) 3.3.2 Others

3.3.2.1 Introduction

The other activities under food and agro processing comprises of the following :

• Loans to Cooperatives Societies of farmers for disposing of their produce, • Agri-clinic/ Agri-Business Centers (ACBC), • Loans to PACS/ FSS/ LAMPS, Loans to MFIs for onlending to agriculture


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Revised PLP 2016-17

PU FO BL PU FO BL 1 ACABC - - 10 80.00 60.00 2 PACS 10 120.00 90.00 Total 200.00 150.00

(PU - Physical Units; FO – Financial Outlay; BL-Bank Loan) 3.3.2.3 Availability of infrastructure, critical gaps and Intervention required, action Points/issues to be addressed The infrastructure available to this sector is considered adequate.


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Chapter 4

Credit Potential for Micro Small and Medium Enterpr ises (MSMEs) – 2016-17

4.1 Introduction The A&N Islands have been categorized as industrially backward area. The industrialization process remains slow because of inherent problems of the Islands such as geographical location, transportation bottlenecks, lack of skilled manpower , infrastructure facilities, market, etc. As a result, the growth of industrial units is marginal. Further, the ban on felling of trees for timber, has aggravated the growth and development of local wood base industries. The wood based units constitute a major proportion in the in the industrial units followed by service based units in the island. Ground level credit for Non-farm sector is showing increasing trend. 4.2 Assessment of Credit Potential for 2016-17

(` lakh) Sr. No.


Revised PLP 2016-17

PU FO BL PU FO BL A. MSE Investment Credit

1 Artisans No. 60 24.31 21.88 75 45.00 40.50 2 Cottage

&village industries

No. 50 71.44 64.30 63 100.80 90.72

3 Tiny industries

No. 150 464.37 417.94 80 416.00 374.40

4 SSI No. 15 1428.84 1285.96 15 1455.00 1309.50 5 Coir

industry No. 20 1131.17 1018.05 30 1740.00 1566.00

Total A No. 3120.13 2808.12 3756.80 3381.12 B. MSE Working Capital

1 Cottage &village industries

Amt 25.00 50.00

2 Tiny industries

Amt 50.00 200.00

3 Small scale industry

Amt 100.00 500.00

Total B 175.00 750.00 Total MSE (A+B) 2983.12 4131.12

C. Service Sector – Term Loan 1 SRWTO 1512.00 200 1170.00 1300.00 2 Retail

Trader/Small Businessmen

4140.00 1300 3510.00 3159.00


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3 Professional/Self Employment

810.00 350 700.00 630.00

Total C 6462.00 5510.00 4959.00 D. Service Sector – Term Loan 1 SRWTO - 140.00 2 Retail

Trader/Small Businessmen

- 220.00

3 Professional/Self Employment

- 100.00

Total D 460.00 Total A+B+C+D 9550.12

4.3 . Availability of Infrastructure, critical gaps and Intervention required, action points / issues to be addressed:

a) Infrastructure: • Various Tax concessions are available in the UT for industrial units. • Under cluster development DIC is implementing a scheme of Fund for Regeneration of

Traditional Industries. Under the scheme , coir cluster is being developed. • A&N Administration had pronounced Industrial Policy 1996 which visualized creation of

opportunities for self employment / wage employment and growth of those sectors which generate high quality employment, harnessing the resources of the sea and manpower on a sustainable basis by optimal utilization without disturbing the fragile ecology and environment in the region.

• The A&N Islands Integrated Development Corporation Limited was set up in 1988 at the instance of Island Development authority with a objective of developing and commercially exploitation of natural resources for the balanced and environmentally sound development of the society.

• The UT has set up Khadi and Village Industries Board and District Industrial Centres. • Industries Department is planning to establish industrial estate at Wimberligunj and exploring

the possibilities of availing financial assistance in the form of loan from NABARD under RIDF.

b) Gaps: • Lack of international connectivity • Numerous small islands-Inadequate and expensive inter-island transport • Keeping in view the incessant rains in the Island, there is a need for setting up of improved

coconut drying units at various places to enable the farmers to get remunerative price. • Limited availability of skilled manpower

c) Intervention Required: • Banks should set up their lending to MSE sector including provision of adequate Working

Capital assistance. Various subsidy schemes available through DIC/KVB can be availed of by sponsoring suitable candidates identified by the branch managers.


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d) Action Points: • Efforts may be made to identify entrepreneurs and provide credit support for setting up of units. • Provide sufficient credit support to motivate youth and women SHG members to take-up

income generating activities under non-farm sector. • To popularize various incentives available in the islands for small scale industries . • To provide marketing support for new industries within the island. • To increase the frequency of vessels sailing to mainland and inter-island for ensuring timely

availability of raw material/transportation of finished goods. • Intensification of skill and entrepreneurship training to the unemployed youth. • To explore setting up of IT enabled services units. • To create berthing facilities at Rangat and Diglipur so that Kolkata route cargo from/to these

islands are not required to be routed through Port Blair. • ‘To create ship maintenance and repair facilities with private participation. • Industries Department may take initiative in coordination with NABARD, KVIB, SBI’s

RSETI, NGOs and Banks to organize more and more skill based training programmes in A & N Islands in the wake of establishment of National Skill Development Corporation.

• Banks may sponsor the candidates for skill training programmes so that bank’s targets can be matched with trained candidates.

• Industries Department /ANNIDCO may chalk out a plan of improving skill based training to educated unemployed youth in a phased manner.


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CHAPTER- 5

POTENTIAL FOR EXPORT CREDIT- 2016-17 5.1.1. Introduction Export in India needs to be managed to reduce the import basket mainly of petroleum and manufactured goods. The reliance on exporting raw material and import finished goods has detrimental effects on the economy. The ‘Make in India’ campaign aims to improve self-reliance and establish brand ‘India’ image. Exports of US$ 309.6 billion in 2014-15 show that India’s global performance was relatively better than that of several other countries, whose exports dipped by 5 per cent or more.

5.1.2. GoI, has rationalised documentation process to improve ease of doing export business. Now only three documents viz. Bill of Lading / Airway Bill, Commercial Invoice cum Packing List, Shipping Bill/ Bill of Export are required to avail export credit. GoI has also announced the Foreign Trade policy 2015-20. It is expected that the policy will diversify Indian exports markets and products and give a boost to India’s exports. Some of the features of the policy are:

• Merchandise Exports from India Scheme

• Service Exports from India Scheme

• Duty credit scrips to be freely transferable and usable for payment of custom duty, excise duty and service tax.

• Special treatment and privileges to business leaders who have excelled in international trade and have successfully contributed to country’s foreign trade.

• Online filing of documents/ applications and paperless trade in 24x7 environment.

5.1.2 Agriculture Exports -

Since Independence, India has made a lot of progress in agriculture in terms of growth in output, yields and area under crops. It has gone through a Green Revolution (food grains), a White Revolution (milk), a Yellow Revolution (oilseeds) and a Blue Revolution (aquaculture). Today, India is one of the largest producers of milk, fruits, cashew nuts, coconuts and tea in the world. It is also well known for the production of wheat, vegetables, sugar, fish, tobacco and rice. Certain types of agriculture such as horticulture, organic farming, floriculture, genetic engineering, packaging and food processing have the potential to see a surge in revenues through exports. Over the past few years, the government has stressed on the development of horticulture and floriculture by creating vital infrastructure for cold storage, refrigerated transportation, packaging, processing and quality control. If India wishes to optimize the production and export potential of these commodities, then it is essential to improve these facilities, marketing and export networks much further. In recent years, the Central Government has offered different fiscal incentives for bettering storage facilities in rural areas. It also provides financial assistance to the State Governments


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for acquiring and distributing food grains at subsidized rates, especially to families with annual income below the poverty line. Today, the improved availability of bank credit through priority lending, favourable terms of trade and liberalized domestic and external trade for agricultural commodities have also encouraged private players to invest in agriculture. B. Major thrust of the policies and programmes of the Government of India relating to livestock and the fisheries is in the areas of rapid genetic upgradation of milch animals, improvement in the delivery mechanism of breeding inputs, control of animal diseases, creation of disease free zones, increased availability of nutritious feed, development of dairy activities and backyard poultry, development of processing and marketing facilities and enhancement of production and profitability of livestock.

5.1.3 Ground Level flow of credit:- The need of export credit, by and large, fulfilled by the bank branches from urban areas like Port Blair, Maya Bandar, Diglipur.. The Export Credit has been included for the first time under the Priority Sector lending from the current year 2015-16. Therefore, no past years data is available about export finance by banks. The projections are being made for the first time for 2016-17.

5.1.4. Assessment of Credit Potential for 2016-17

Make in India is expected to invigorate the export sector also. Export Credit has been included in the Priority Sector during the year 2015-16. Projections are being made for the first time. Assuming that 50% of the existing units and the new units will avail Export credit, the Block-wise Activity-wise projections under the sector during the year 2016-17 are indicated at Annexure – I and the summary is given below.

(Amount in lakh) Sr.No

Activity Unit No.

Base PLP 2016-17 Revised PLP 2016-17

PU FO BL PU FO BL

1 Export Credit 10 New activity included under Priority Sector

125 2500.00 2250.00

5.1.5. Availability of Infrastructure, critical gap s & interventions required, action points/issues to be addressed

APEDA

The Agricultural and Processed Food Products Export Development Authority (APEDA) was established by the Government of India under the Agricultural and Processed Food Products Export Development Authority Act passed by the Parliament in December, 1985. The Act (2 of 1986) came into effect from 13th February, 1986 by a notification issued in the Gazette of India: Extraordinary: Part-II [Sec. 3(ii): 13.2.1986). The Authority replaced the Processed Food Export Promotion Council (PFEPC).


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ASSIGNED FUNCTIONS

In accordance with the Agricultural and Processed Food Products Export Development Authority Act, 1985, (2 of 1986) the following functions have been assigned to the Authority.

Development of industries relating to the scheduled products for export by way of providing financial assistance or otherwise for undertaking surveys and feasibility studies, participation in enquiry capital through joint ventures and other reliefs and subsidy schemes;

Registration of persons as exporters of the scheduled products on payment of such fees as may be prescribed;

Fixing of standards and specifications for the scheduled products for the purpose of exports; Carrying out inspection of meat and meat products in slaughter houses, processing plants,

storage premises, conveyances or other places where such products are kept or handled for the purpose of ensuring the quality of such products;

Improving of packaging of the Scheduled products; Improving of marketing of the Scheduled products outside India; Promotion of export oriented production and development of the Scheduled products; Collection of statistics from the owners of factories or establishments engaged in the

production, processing, packaging, marketing or export of the scheduled products or from such other persons as may be prescribed on any matter relating to the scheduled products and publication of the statistics so collected or of any portions thereof or extracts therefrom;

Training in various aspects of the industries connected with the scheduled products; Such other matters as may be prescribed.

PRODUCTS MONITORED

APEDA is mandated with the responsibility of export promotion and development of the following scheduled products: Fruits, Vegetables and their Products. Meat and Meat Products. Poultry and Poultry Products. Dairy Products. Confectionery, Biscuits and Bakery Products. Honey, Jaggery and Sugar Products. Cocoa and its products, chocolates of all kinds. Alcoholic and Non-Alcoholic Beverages. Cereal and Cereal Products. Groundnuts, Peanuts and Walnuts. Pickles, Papads and Chutneys. Guar Gum. Floriculture and Floriculture Products Herbal and Medicinal Plants In addition to this, APEDA has been entrusted with the responsibility to monitor import of sugar.

5.1.5. The critical gaps, intervention required and issues to be addressed in the sector are:

• Availability of power supply and road connectivity needs to be addressed. • Settling the Pre shipment credit within the stipulated time after the dispatch of goods or

converting them into Post Shipment credit may be ensured.


35

• Due precaution taken in case of the export of agricultural products especially for factors such as domestic and international demand and supply situation, price competitiveness, quality concerns, sanitary &phytosanitary requirements and relevant rules & regulations of the importing countries. Temporary restrictive measures sometime adopted by the importing countries in view of non-conformity to any of these standards/rules ruin the unit.

• Exporters may be encouraged to avail the export credit insurance facilities extended by ECGC.

• Micro, Small and Medium Exporters should be properly trained by MSME / export organizations with technical assistance from banks regarding correct filling up of forms.

• Collateral security should not be insisted upon as far as possible and Gold Card scheme should be popularized.

• The banks should put in place a control and reporting mechanism to ensure that the applications for export credit are disposed of within the prescribed time frame.

• Exporters have to factor in the changing consumer taste.


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Chapter-6

Credit potentials for Education

6.1. INTRODUCTION:

Education is central to the Human Resources Development and empowerment in any country. National and State level policies are framed to ensure that this basic need of the population is met through appropriate public and private sector initiatives. While governments endeavour to provide primary education to all on a universal basis, higher education is progressively moving into the domain of private sector. With a gradual reduction in government subsidies higher education is getting more and more costly and hence the need for institutional funding in this area. A great achievement of the Indian government is a big jump in the literacy rate from 18.3% in 1950-51 to 74.04% in 2010-11. An achievement is the result of a lot of efforts by the Indian government in the education sector. Primary as well as higher education sector have also witnessed great attention of the Indian Government. The government is improving the country’s education status to enhance the standard of living of the people and also to achieve other goals like, overcoming the problem of poverty and unemployment, social equality, equal income distribution, etc. Education contributes to the individual’s wellbeing as well as the overall development of the country. Education is not only an instrument of enhancing efficiency but is also an effective tool of widening and augmenting democratic participation and upgrading the overall quality of individual and societal life According to a study by ASSOCHAM, less than 3 percentage students, mostly belonging to middle income families in India avail of education loans, against 85 per cent in the UK, 77 per cent in the US and 70 per cent in Germany and France. The scope of education has widened both in India and abroad covering new courses in diversified areas. Development of human capital is a national priority and it should be the endeavor of all that no deserving student is denied opportunity to pursue higher education for want of financial support. Loans for education should be seen as an investment for economic development and prosperity. Knowledge and information would be the driving force for economic growth in the coming years. To give a boost to financing in this sector a bankable scheme was evolved based on discussion with various bankers. 6.2 Education scenario in Andaman & Nicobar

Andaman & Nicober Litracy Rate 2011

Literacy rate in Andaman & Nicobar Union Territory has seen upward trend and it is 86.63 percent as per 2011 population census. Of that, male literacy stands at 90.27 percent while female literacy is at 82.43 percent. In actual numbers, total literates in A & N stands at 294281 of which males were 164377 and females were 129204

Andaman & Nicobar Union Territory Urban population 2011

Average literacy rate in A&N for Urban Region was 90.10 percent in which males were 93.11% literate while female literacy stood at 86.63%. The total literates in urban region of A & N were 129050

Andaman & Nicobar Union Territory Rural population 2011

In rural areas of A & N, literacy rate for males and females stood at 88.53% and 79.85% Average literacy rate in A & N, for rural areas was 84.50%. The total literates in rural areas were 210678


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In the state of Union Territory, where there is a tremendous inclination among the students to study abroad, the renewed focus on “education loan” would facilitate enhanced credit flow to the sector.

A & N Island is attached to Pondichery University. The details of educational institutes in Island are as below :

Type of Institute 2011-12 2012-13 2013-14

Pre primary school 34 49 45

Primary School 217 230 228

Middle School 76 77 76

Secondary School 45 49 52

Sr. Secondary School 56 57 57

Govt Colleges 2 2 2

BED College 1 1 1

6.3 Assesment of Credit potential for 2016-17


Activity Unit No.

Base PLP 2016-17 Revised 2016-17

PU FO BL PU FO BL

1 Education Loan

No. 950.00 560 2240.00 2016.00

Reasons for Increase-Decrease in Physical Projections and Financial Assistance:-

By considering the escalation cost and establishment of proposed Medical Collage in the Island the projection has been increased

6.3. Availability of Infrastructure, critical gaps & interventions required, action points/issues to be addressed

The sector has been hampered by larger number of defaults, primarily arising out of frequent change of address by the students and therefore it has been advocated the loan under this category be securitized to give quantitative and qualitative push to the sector. Parents can be taken as co-guarantor to bring down incidence of defaults in “education loan”.

The banks should popularise the scheme by organising awareness programmes in the colleges.


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CHAPTER- 7

CREDIT POTENTIAL FOR HOUSING- 2016-17 7.1. I. Introduction With changes in the economic condition of families and their aspirations, there is a growing need for houses. The Ministry of Rural Development (MoRD) has estimated that there is a shortage of 439.3 lakh houses during the XII Plan period in rural India. The urban housing requirement in 2012 was estimated at 187.8 lakh, out of which more than 95% is in the Economically Weaker Group or Low Income Group. 7.2. According to the NSSO, about 66 per cent financing of new construction in rural areas in 2010–11 was done by rural families with their own resources; about 27 per cent construction had some amount financed from non-institutional agencies such as moneylenders, family and friends while only 9 per cent of new construction was financed by institutional channels such as Government schemes, banks and so on. 7.3. MoRD has formalized the following vision for Rural Housing: “Ensure adequate and affordable housing for all and, facilitate development of sustainable and inclusive habitats in rural areas by expanding government support, promoting community participation, self help help and public private partnership within the framework of Panchayati Raj”.

7.4. Several policy initiatives taken in 2013-14to help this sector include the amendment of the FDI policy, thereby reducing the minimum floor area to 20,000 sq. m from the earlier 50,000 sq.m and bringing down the minimum capital requirement to US$ 5 million from US$ 10 million. Budget 2014-15 also announced setting up of Real Estate Investment Trusts (REITs) and SEBI has approved the REITs regulation. In order to encourage savings, the deduction limit on housing loan interest for self-occupied property was also increased to 2 lakh from the earlier 1.5 lakh in Budget 2014-15. In order to push development of affordable housing and achieve the target of housing for all by 2022, the Reserve Bank of India (RBI) relaxed norms for issue of long-term bonds by banks for financing affordable housing.

About National Real Estate Development Council (NAREDCO) -

National Real Estate Development Council (NAREDCO) formed under the aegis of the Ministry of Housing & Urban Poverty Alleviation (MHUPA), Government of India, in 1998, was established as an autonomous self-regulatory apex national body. NAREDCO was formed with a mandate to induce transparency and ethics in real estate business, and transform the unorganised Indian real estate industry into a mature, professional, and globally competitive industry. NAREDCO strives to be the leading advocate for developing standards for efficient, effective, and ethical real estate business practices, valued by the stakeholders and viewed crucial for success in India. The council, that is the collective voice of real estate in India, was founded by leading public and private sector companies. NAREDCO connects closely with various authorities, Government, Public and private, in addressing real estate issues. It is worth noting that presently, Dr. Girija Vyas, Honourable Minister of Housing and Urban Poverty Alleviation; Government of India, is its Chief Patron, who participates in various interactions with NAREDCO members. Public institutions like Housing and Urban Development Corporation (HUDCO), National Housing Bank (NHB), Delhi Development Authority (DDA), Building Material and Technology Promotion Council (BMTPC) and Hindustan Prefab Ltd., LIC Housing, and HDFC are the governing council members of NAREDCO. NAREDCO has played a key role in formulating government policies and budgets at the level of central and state governments, besides addressing issues related to developers. Policies on affordable


39

housing, fast tracking project approvals, regulation & development Bill, and Model Rental Control Act are some of the achievements of the association in the near past. The government gives due weightage and respects suggestions put forth by the NAREDCO, which in itself is its strength.

7.5 As per the census data of 2001, India as a country faces shortage of houses. The formula used for calculating the shortage of houses is – Housing Shortage = total no. of residencies –(Dilapidated houses used as residences + temporary use of Houses + Unclassifiable use of Houses). Data pertaining to number of houses, number of dilapidated houses and number of households has been used to calculate the estimated housing shortage in India.

7.6 Housing Loan under Priority Sector:

(i) Loans to individuals up to 28 lakh in metropolitan centres (with population of ten lakh and above ) and loans up to 20 lakh in other centres for purchase/construction of a dwelling unit per family provided the overall cost of the dwelling unit in the metropolitan centre and at other centres should not exceed 35 lakh and 25 lakh respectively. The housing loans to banks’ own employees will be excluded. As housing loans which are backed by long term bonds are exempted from ANBC, banks should either include such housing loans to individuals up to 28 lakh in metropolitan centres and 20 lakh in other centres under priority sector or take benefit of exemption from ANBC, but not both.

(ii) Loans for repairs to damaged dwelling units of families up to 5 lakh in metropolitan centres and up to 2 lakh in other centres.

(iii) Bank loans to any governmental agency for construction of dwelling units or for slum clearance and rehabilitation of slum dwellers subject to a ceiling of 10 lakh per dwelling unit.

(iv) The loans sanctioned by banks for housing projects exclusively for the purpose of construction of houses for economically weaker sections and low income groups, the total cost of which does not exceed 10 lakh per dwelling unit. For the purpose of identifying the

economically weaker sections and low income groups, the family income limit of 2 lakh per annum, irrespective of the location, is prescribed.

(v) Bank loans to Housing Finance Companies (HFCs), approved by NHB for their refinance, for on-lending for the purpose of purchase/construction/reconstruction of individual dwelling units or for slum clearance and rehabilitation of slum dwellers, subject to an aggregate loan limit of 10 lakh per borrower. The eligibility under priority sector loans to HFCs is restricted to five percent of the individual bank’s total priority sector lending, on an ongoing basis. The maturity of bank loans should be co-terminus with average maturity of loans extended by HFCs. Banks should maintain necessary borrower-wise details of the underlying portfolio. (vi) Outstanding deposits with NHB on account of priority sector shortfall.

7.7 Govt. Schemes on Housing

Pradhan Mantri AwasYojana : Credit-Linked Subsidy Scheme

In order to expand institutional credit flow to the housing needs of urban poor, Ministry of Housing and Urban Poverty Alleviation will implement credit linked subsidy component as a


40

demand side intervention. Credit linked subsidy will be provided on home loans taken by eligible urban poor (EWS/LIG) for acquisition, construction of house.

Beneficiaries of Economically Weaker section (EWS) and Low Income Group (LIG) seeking housing loans from Banks, Housing Finance Companies and other such institutions would be eligible for an interest subsidy at the rate of 6.5 % for a tenure of 15 years or during tenure of loan whichever is lower. The Net Present Value (NPV) of the interest subsidy will be calculated at a discount rate of 9 %.

7.8. The credit linked subsidy will be available only for loan amounts upto Rs 6 lakhs and additional loans beyond Rs. 6 lakhs, if any, will be at nonsubsidized rate. Interest subsidy will be credited upfront to the loan account of beneficiaries through lending institutions resulting in reduced effective housing loan and Equated Monthly Instalment (EMI).

7.9. Government of India has announced “Housing for All” by 2022. Various schemes like Indira AwasYojana, Rajiv AwasYojana etc. are run by GoI.. Status of A & N UT:- According to the 2011 census of A & N Union Territory has a population of 380581. This district has a population density of 46 inhabitants per square kilometer . It’s population growth rate over the decade 2001-2011 was 6.86%. Andaman & Nicobar Island has a sex ration of 876 females for every 1000 males, and a literacy rate of 86.63%. II. Assessment of Credit Potential for 2016-17

7.2.1.Considering the importance given by the GoI for providing dwellings to the all and requirement of dwellings in the Union Territory the project made in Base PLP has been revised to higher side


Activity Unit No.

Base PLP 2016-17 Revised PLP 2016-17

PU FO BL PU FO BL

1 Housing Loan Nos 3500.00 630 6300.00 5670.00

Total 3500.00 6300.00 5670.00

III. Availability of Infrastructure, critical gaps & interventions required, action points/issues to be addressed

7.3.2. The critical gaps, intervention required and issues to be addressed in the sector are:

· With increasing expansion, demand for housing loans is on the rise Rising land cost, spiraling construction costs, and inadequate availability and reach of micro-finance measures are affecting the sector.Long gestation period of six to eight years of housing projects, accentuated by multiple approvals to be obtained from multiple authorities in a two to three year time period needs to be simplified. There is a need to address the issue of inadequate assistance for purchase of house-sites as well as streamline homestead plot provision through collaborative working of various departments.


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Chapter 8

Credit Potential for Renewable Energy - 2016-17

8.1 Introduction There are abundant natural resources, such as solar, wind, biomass etc. which can supply the energy needed. These are called a renewable sources of energy. They are also clean and green energy sources. They have gained significant importance during the past two decades, considering the accelerated pace of depletion of fossil fuel, resulting environment damage and increase cost of energy. Ground level credit disbursement for this activity in the Union Territory was Nil during the last three years 8.2 Assessment of Credit Potential for 2016-17 Taking into consideration the available infrastructure in the union territory the potential projected for the year 2015-16 is estimated as below

(` lakh) Sr No.


Revised PLP 2016-17

PU FO BL PU FO BL 1 Bio Gas Plant No. 10 3.47 2.60 15 5.40 4.05 2 Solar Dryer No. 10 1.16 0.87 15 1.80 1.35 3 Solar Lantern No. 30 5.56 4.17 30 6.00 4.50 Total 10.19 7.64 13.20 9.90

8.3 Availability of Infrastructure, critical gaps and Intervention required, action points/ issues to be addressed:

a) Infrastructure: • The A&N Islands have tropical rain forest and through gasification system of biomass, power

requirement of remote and isolated area can be met. It has been estimated that around 1200 kw of power potential would be harvested by exploiting the available bio mass at different Islands. It is also proposed to utilise the wood waste through gasifier in thermal mode for cooking/ heating purpose.

• The UT of Andaman and Nicobar Islands has a number of schemes/ projects for development of non-conventional energy sources viz. OTEC, Tidal energy, wave energy etc. as the Islands have a considerable potential of ocean, wind,solar,hudro and bio-mass energy sources

• It is also proposed to establish solar PV power plant of various capacities in different location and remote island and location to provide them the basic facilities of lighting for 12 hours during the night


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Chapter 9

Credit Potential for Others - 2016-17

9.1. Introduction In terms of revised RBI guidelines on PSL, loans not exceeding Rs. 50,000/- per borrower provided directly by banks to individuals and their SHG/JLG, loans to distressed persons to prepay their debt to non-institutional lenders and overdrafts extended by banks up to Rs. 5,000/- under PMJDY besides loans sanctioned to State Sponsored Organisations for SC/ ST for the specific purpose of purchase and supply of inputs and/or the marketing of the outputs of the beneficiaries of these organisations are covered under the sector ‘’Others’’. 9.2. Assessment of Credit Potential for 2016-17

(` lakh) Sr No.


Revised PLP 2016-17

PU FO BL PU FO BL 1 SHGs 1100.00 900 1350.00 1215.00 2 JLGs - 400 600.00 540.00 Total 1950.00 1755.00

9.3 Availability of Infrastructure, critical gaps and Intervention required, action points/ issues to be addressed:

• The banks need to gear up their rural branches for facilitating bank linkages of SHGs and quicken the pace of upscaling of the SHG-linkage Programme.

• The Fisheries Department of the UT Administration may also have to play a major role in the formation of SHGs from the large population of fishing community in the islands.


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Chapter 10

Infrastructure support

10.1 Introduction 10.1.1. Infrastructure plays a key role in stimulating economic growth by raising factor productivity and enhancing the quality of life through provision of necessary amenities and as such infrastructure forms a criterial determinant of the economic development process of any country. Infrastructure denotes a wide range of services in various sectors of the economy such as agriculture and allied, social, rural connectivity, etc. The infrastructure support services include services such as primary health, water supply, irrigation, education, road network, transportation, power generation and distribution, telecommunication, ports, marketing arrangements, sewage and waste disposal, etc. 10.2 Infrastructure Indicators 10.2.1. The per capital income at current prices for 2006-07 amounting to Rs.36,641 in the Andaman and Nicobar Islands was more than the national average at Rs.20989. The per capita income at constant prices stood at Rs.29536. The percentage of population below the poverty line stood at 7 as against the national average at 26.1. Urbanization in percentage terms at 32.6 was more than the all-India level of 25.7 The urban population lived in 26.34 sq.km. forming 0.32 per cent of the total geographical area. 10.3 Infrastructure for Public investments shall be done through Government support. NABARD, A & N Regional Office is exploring the possibilities of providing financial assistance to Union Territory administration for creation of infrastructure for public Investment from out of Rural Infrastructure Development Fund (RIDF) for the first time in the areas of Agriculture, social sector and connectivity ( Rural Roads and Bridges). The proposed projects are development of industrial estate at Wimberligunj on KVIB lines, development of modern fish markets at Mohanpura and Junglighat, soil testing laboratories in North and Middle Andaman , integrated rice mill at Diglipur, bulk milk cooler in North and Middle Andaman, rural roads and bridges etc.

10.4 Infrastructure creation for social purposes shall come through Bank credit. The credit estimations for this purposes is as under:

(` lakh)

Sr No.


Revised PLP 2016-17

PU FO BL PU FO BL 1 Schools No.

No projections made 6 90.00 81.00

2 Health Care Facilities

No. 8 144.00 129.60

3 Drinking Water

No. 8 160.00 144.00

4 Sanitation No. 94 47.00 42.30 Total 441.00 396.90


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10.5 Sector-wise Infrastructure Requirements and suggested Action Points 10.5.1. The UT Administration had identified certain major infrastructure requirements for the focused development of agriculture, horticulture, dairy, animal husbandry and fisheries sector, with a view to accelerating the development process. Reconstruction and creation of new infrastructural facilities in tsunami affected areas, enhanced support services such as marketing and processing infrastructure, modernization of extension systems for facilitating diversification of high value crops, increasing cropping intensity, etc., were some of them. However, a few more infrastructural activities which need to be taken up for increasing the infrastructural network of the islands, are briefly outlined below:

(i) Inter-Island Transportation and Connectivity The major components of infrastructure of any growing economy are industries, transport and communication. The heart-line of infrastructure in the islands being its transport system, restricted inter-island transportation and connectivity has been the bane of the islands in hampering the economic growth of the groups of islands in the Andaman and Nicobar. Apart from Port Blair, only ten other island have the requisite road connectivity. The transport network in the Southern Islands, which badly hit by the aftermath of tsunami during 2004 had not yet been fully restored.

(ii) Water Conservation and Harvesting The Andaman and Nicobar Islands is fully dependent on rain water for consumption, agriculture and industrial purposes. In the absence of other major sources of water, the island’s requirement of potable water for industrial purposes is met through Dhani. Absence of adequate irrigation facilities has been a major contributory factor for the very low intensity in the islands. Only 15.6% of the total land area of the islands is under cultivation. Therefore, there is an urgent need for according the highest priority for construction of water conservation and harvesting infrastructure support systems like storage tanks, water conveyance pipes, etc., in catchment areas.

(iii) Drinking Water Drinking water scarcity of acute proportions has become a regular phenomenon in the islands during the past few years, despite perennial rainfall spread over three fourths of the year. Scarcity of water has further aggravated due to the heavy influx of tourists. Provision of safe and quality drinking water to the people inhabiting the islands being a pre-requisite, there is need for addressing the scarce drinking water problem on priority either by increasing the height of the existing Dhani Khari dam, the only source of water supply commissioned during 1973, from the present level of 60.5 metres, for preventing the overflow during peak monsoon or by developing the water storage facilities at the nearby uninhabited Rutland Islands for augmenting drinking water supply. Desilting and construction of modern water treatment plants in the Islands would also ensure safe and disease-resistant drinking water to the people of the Islands.


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iv) Eco-tourism The Andaman and Nicobar Islands has been a major centre of attraction for the domestic as well as the international tourists. In the wake of the Supreme Court judgment inhibiting the development of wood based industries in the Islands, the UT Administration has identified tourism as a thrust area for economic development and employment generation. However, development of the requisite infrastructure for sustainable tourism was yet to keep pace with the potential available in drawing the tourists to the pristine beaches of the Islands. The Islands have the potential for adventure tourism, which entails adventure sporting activities such as scuba diving, snorkeling, trekking, etc. Desired impetus has to be given for synergizing the environmentally sustainable infrastructure development with the ecology for promotion of eco-tourism. Development of a few cluster of ‘eco-tourism’ infrastructure at beachside villages would also help in showcasing the islands’ rural arts and crafts, besides generating revenue.

(iv) Fisheries Fishing is one of the most important activities pursued by the Islanders. The UT Administration has no doubt designed various scheme for the benefit of the large population of fishermen of the Islands with a large component of subsidy being provided by the Administration for construction of mechanized fishing boats, trawlers, other fisheries related equipments and netting of fish.

(v) Marketing Infrastructure Lack of the complete complement of marketing infrastructure support services deters the farmers from taking up farming as a viable and profitable avenue fo growth and development. The entire supply chain from the yield stage up to the stage of marketing of the produce should have adequate marketing, warehousing, storage and processing facilities. There are only two regulated markets in the islands. 10.6 RIDF Projects in the Union Territory The Rural Infrastructure Development Fund was created in NABARD during 1995-96 to address the inadequacy of public investment in agriculture and rural infrastructure and facilitate financial assistance at concessional rates to various State Governments for financing rural infrastructure projects owing to severe resource crunch experienced by the State Governments for developing and maintaining rural infrastructure. There were no projects under RIDF in the Union Territory at present on account of the reportedly surplus financial resources. NABARD provides financial assistance out of the RIDF for a varied and wide range of activities such as land development, irrigation, drinking water and electricity generation, rural roads and bridges, water transport, so on and so forth. The Government of India had announced twenty one tranches of financial assistance since the inception of the RIDF. As a sequel to constant follow up by NABARD, Andaman & Nicobar Regional Office, UT administration has agreed to avail loan from NABARD under RIDF for creation of infrastructure across Andaman & Nicobar Islands in the areasof Agriculture, social sector and connectivity i.e. Rural Roads and Bridges. The necessary budgetary provision for repayments of loan to NABARD is being made by UT administration and the required documents are also being submitted to NABARD.


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Chapter 11

Informal credit delivery system

11.1 Introduction The informal credit delivery system, more precisely the Self Help Group (SHG), has come a long way since its modest beginning during 1992-93. The Self Help Group - Bank Linkage Programme (SHG-BLP) has been one of the major initiatives ofNABARD, which has made a difference to millions of poor in contributing to the process of economic growth in the rural areas. Today, this unique initiative in India, with more than 2800 partners, has blossomed into the fastest growing and most cost effective micro Finance initiative in the world, enabling 9.50 crore poor households to access sustainable financial services from the banking system, through a network of over 73.18 lakh savings linked SHGs and 44.51 lakh credit linked SHGs. 11.2. Status of SHG-BLP With limited scope for formation of SHGs in the Islands, the involvement of NGOs has been the focus, which has paid good results in the past couple of years. The programme is receiving good response among bankers. The SHG concept, though in its nascent stage in the Isands, is beginning to make its strides. At present, few banks, NGOs and micro Finance Institutions are pursuing the programmes for upliftment of the poor in the Union Territory, resulting in spurt in the number of SHGs from a level of 2171 SHGs as on 31 March 2009 to a level of 5281SHGs as on 31 March 2015. However, out of the 20 banks functioning in the Union Territory, only 09 banks are participating in the SHG-Bank Linkage Programme. The salient features of SHG- BLP in the UT as under:

Sr. No Particulars As on 31

March 2014 During 2014-15

As on 31 March 2015

1 No. of SHGs promoted 5182 99 5281 2 No. of SHGs credit linked 2019 244 2263 3 Amount of Bank loan availed (` lakh) 1679.58 345.94 2025.52

4 Percentage of women SHGs 95 95 95 5 Average loan per SHG (`) 83,188 141778 89505

SHG- Bank Linkage Programme in the UT The status of credit-linkage of SHGs with banks functioning in the Union Territory as on 31 March 2015 is indicated below:-

Sl. No. Bank SHGs Credit Linked

Number Amount ((` lakh) 1 Andaman & Nicobar StCB 1791 2174.13 2 Commercial Banks 472 232.13

Total 2263 2406.26


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11.3. Issues related to micro finance Reduction in regional imbalances under SHG-BLP

• The climatic conditions coupled with undulating topography of the island poses accessibility issues for reaching the remotest islands and the existence of tribal population in some pockets restrict the scope for formation of SHGs to only South Andaman and North & Middle Andaman districts in the UT.

• The focus is only on the districts which have a reasonable potential for formation and linkage of SHGs.

• Further, in order to enhance the per SHG credit availed from banks to be on par with that of mainland, NABARD has initiated steps to convince the bankers to go for higher credit limits to the SHGs without sticking to the savings-credit ratio.

11.4 Road map for the future Focus on forming new SHGs

• Keeping in view the national goal of forming 7 lakh new SHGs during the current year, a district-wise mapping has been done based on the limited potential available in the island.

• The target of linking 1250 SHGs during 2015-16 has been taken up in the UTLBC. • As only a handful of NGOs are available in these islands and the financial institutions

not coming forward for donning the role of SHPIs, a strategy for formation of a maximum number of groups during the year 2015-16 through NGOs has been worked out with grant support from NABARD.

• Regular review meetings are organised with SHPIs on formation and credit linkage of SHGs.

• We have identified the following NGOs as SHPI: Hope Foundation, ARPAN, Padmanabhapuram Mahila Mandal and Mahila Seva Sangh.

Focus on revival of dormant groups

• NABARD has come out with an incentive scheme for tracing and revival of dormant SHGs. The scheme is operative upto 31 March 2016. For the purpose of overage under the incentive scheme, revival of groups which are dormant with outstanding NPA loan of 6 months or more with bank are to be considered. The commercial banks, RRBs, DCCBs would be eligible institutions for grant assistance/incentive for revival of dormant groups. The banks should track down through their books the dormant groups and indentify the branch/village wise number of groups and engage the services of either SHPI which promoted the SHG or other NGO that could serve as a business facilitator. This will help in increasing lending avenues for the bank and improving the GLC position of the Union Territory.

Focus on conduct of result oriented training programmes

• Focus on the capacity building needs of SHGs formed during the previous year. With a view to motivating the matured SHGs for taking up income generating activities, 100 MEDPs are proposed to be sanctioned during 2015-16 to NGOs.


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Focus on development of Federations • There has been a reasonable response for formation of SHGs during the past couple of

years only. SHGs existing in the islands are yet to reach a benchmark maturity level due to limited and restricted promoting institutions in the island. Even scope for promotion of livelihood activities among the SHG members is restricted to farming, fishing and small petty shops. Most of the loans availed by the SHG members are for consumption / housing / education / medical purposes. There may not, therefore, be an immediate scope for consolidation and formation of federations in a big way. One or two NGOs have attempted to promote federations. The working of these federations has to be studied in detail before attempting the same in a bigger way.

Increasing the role of cooperative sector in SHG-BLP • A majority of the SHG accounts in the island are maintained with the Cooperatives. Of

the 2019 SHGs credit linked, more than 79 percent of the groups (1601 SHGs) were linked by SCB. Further, the SCB is also providing need based credit to the SHGs. There are instances where matured SHGs have availed loans exceeding ₹10.00 lakh during fourth linkage. The average per SHG credit linkage by SCB comes to ₹ 83,188.

• ANSCB is having SB a/c of 4530 SHGs of which about 1,601 groups have been credit linked so far. In order to extend the credit linkage to the remaining SHGs, NABARD, in consultation with the SCB has chalked out the following strategy:-

Officers from NABARD will coordinate with the Women Development Officer of the SCB for speeding up the SHG Bank Linkage Programme in SCB. The team would go to the field, contact the groups, rate them and submit the rating sheets to the concerned branch / Head Office for sanctioning credit.

During their visit to branches, the Branch Managers will be motivated to credit link all the matured groups.

NGOs in the respective areas will be associated in this process for getting the SHGs assembled at a common place for credit rating.

Micro Enterprise promotion

• The present maturity level of SHGs, coupled with low population of the Islands and regular importing of goods and raw materials from the mainland offer limited scope for creation of micro-enterprises in the island. The scope for promotion of livelihood activities among the SHG members is restricted to farming (including cultivation of vegetables, fishing, tailoring, handicrafts of coconut shells and small petty shops and other service activities). Most of the loans availed by the SHG members are for consumption / housing / education / medical purposes. Even MEDP on animal husbandry has limited scope since the animals have to be brought from main land. In view of this, MEDPs and selective support initiatives will be given to some of the short listed SHGs through active NGOs.

• Effort will also be on strengthening the marketing facilities of SHGs which have products of their own through the existing Rural Marts established through NABARD support.


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Monitoring and MIS

• The present MIS which contains only SHPI data with NABARD support needs to be rationalized with the provision for collection of additional data on district-wise and NGO-wise details on formation and linkage.

• There is a need for streamlining the data base collection from the banks through the UT/ District level fora, since UTLBC collects and compiles only the data relating to number of SHGs savings linked and credit linked.

• 11.5. Estimation of potential under SHG-BLP

i. Given the population profile in the Andaman and Nicobar Islands, as many as 300 SHGs could be formed in the Union Territory during 2015-16. The details of potential available for promotion and savings linkage of SHGs in the A & N Islands is furnished in Annexure VI. ii. SHG Linkage Programme – Strategy • The banks need to gear up their rural branches for facilitating bank linkages of SHGs and

quicken the pace of upscaling of the SHG-linkage Programme. • The Fisheries Department of the UT Administration may also have to play a major role in

the formation of SHGs from the large population of fishing community in the islands. • The Department of Animal Husbandry may consider organising the farmers into SHGs for

creation of marketing infrastructure, in the absence of milk producers’ societies/unions in the Islands.

• NABARD has been extending grant assistance for providing training inputs for capacity building and skill upgradation of the SHGs. The support includes SHG-related training programmes on leadership, management of savings and credit training for SHG leaders, ‘book keeping for SHG book keepers’ and ‘orientation on microFinance concept to SHG members’.

• SHGs may also be motivated to undertake economic activities/income generating activities for generating sustainable income to the group by forming cooperative societies to promote village, cottage and other industries, for which raw materials and resources are available in abundance in and around rural and tribal areas.

The potential for credit linkage of SHGs is furnished in Annexure VI A. 11.6.Financing through Joint Liability Groups ( JLGs)

The JLG mode of fiancing serves as collateral substitute for loans provided to the small, marginal, tenant farmers, oral lessees, share croppers, etc. It enables the banks to reach farmers through group approach, facilitate peer education and credit discipline. Hence the banks may increase their financing to the small, marginal, tenant farmers and oral lessees through JLG mode of financing. Considering an estimated number of 4870 small and marginal farmers in the Islands, there is a potential of financing of 700 JLGs. So far, a cumulative number of 427 JLGs have been financed to the tune of ` 6.06 crore by different banks. During 2015-16, 100 JLGs are being formed in North and Middle Andaman consisting of landless labourers, agricultural labourers, oral lessees through a NGO called voice of compassion to India. Further, during the year 2016-17, 200 JLGs shall be promoted in entire Andaman and Nicobar Islands


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JLG-linkage Programme – Strategy

• The Union Territory Level Bankers’ Committee may include the projections made for linkage of JLGs as a special item on the agenda for discussion among various bankers.

• Bankers may also contemplate dissemination of information on JLGs through various means of mass media such as issue of pamphlets, placement of billboards/hoardings in bank branches / PACS, usage of print, audio and visual media, etc., for creating awareness about the Programme.

• Government departments may initiate steps for the sensitisation of farmers, farmers’ club members and SHG members at the block level.


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Chapter 12

Area Development Plan/Scheme

12.1 Introduction NABARD has been giving considerable emphasis on capital formation for sustainable agriculture and rural development. In this direction NABARD has decided to support banks with concessional refinance for financing done by them under Area Based Schemes through a Banking Plan. The main objectives behind support to Area Based Schemes are as follows:

• Encourage a focused approach in identifying investment credit activities in an area and supporting them with bank loan, and

• Creation of income generating assets in a concerted way While Annual Credit Plan prepared by the Lead Bank based on LBR-1/U1 prepare a broad branch banking plan, the Area Based Schemes aims at preparing a specific banking plan for identified investment credit activity which leads to creation of income generating assets. This will help the banks implement the Annual Credit Plans more meaningfully and at the same time the implementation of the Banking Plan under Area Development Scheme will provide an opportunity to the Extension/Marketing agencies to dovetail their plans and programmes with such schemes. Administratively the Union Territory is divided into three districts and 9 blocks. However, geographically the population is distributed on more than 27 inhabited island – each with a distinct socio-economic milieu necessitated by the geography and agri-ecology. It is therefore necessary to address these Island economies through specific area based schemes.Even within an Island, the geographical diversity demands area specific approach for credit planning. 12.2 Potential Area Based Schemes A. Dairy Development and Organic Farming in Neil Island The Union Territory Administration has already decided to encourage Organic Cultivation in Andaman and Nicobar Islands and has promoted a new branch “Andaman Organic” under which Neil Island Vegetable Mission has been launched in November 2014.Neil Island which is about 37 KM from Port Blair is also providing milk to Port Blair. AMAAPCO, the Producer Company supported by NABARD has been collecting 150-200 litres milk per day from Neil Island. With financial support to the dairy farmers of Neil Island for procuring quality animals and for fodder cultivation, the milk production in the Island can be further improved. Similarly an Area Based Scheme on Organic Farming in Neil Island can also benefit the farming community.

B. Integrated Farming System for Hilly Uplands

In the hilly uplands of South Andaman District and North and Middle Andaman District, an area based scheme of Integrated Farming is most suited for JLGs of small and marginal farmers. Central Island Agricultural Research Institute (CIARI) has developed the following model of Coconut and Pig based System for Hilly Uplands –


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Componetnts Area (sq.metre) Crop Components 9000 Coconut 2000 Coconut+spices+Colocsia+Sweet Potato 3000 Coconut+spices+tapioca 2000 Coconut+spices+pineapple 2000 Poultry cum Fish 600 Pigs (4 Nos.), Vermicompost Unit and Common Use

300

Lined pond for water harvesting and Azolla 100 Total Area 10000

12.3 Action Points

• Lead Bank may prepare banking plans for specific areas through their branches in consultation with NABARD and UT Administration

• More such schemes may be identified by banks and line departments. • ANStCB may involve their branches and PACS for identifying and implementing such

schemes.

C. POULTRY SCHEMES IN SOUTH, NORTH & MIDDLE ANDAMAN

Through Central Island Agricultural Research Institute (CIARI), NABARD has facilitated the development of chickens and ducks with latest technology in order to replicate the best practices in rearing the poultry birds. This lab to land technology transfer would be useful to develop area based schemes and increase the ground level credit.

D. Sheep/Goat/Piggery E. Floriculture F. Vegetable cultivation G. Fish farming H. Coconut processing


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(₹ lakh)

Activities % of BL

Size Cost to FO PU BL PU BL PU BL PU BL

Agriculture

Farm Credit

Paddy (HYV) Ha. 0.42 100.00 700 294.00 2000 840.00 200 84.00 2900 1218.00

Paddy (Traditional) Ha. 0.37 100.00 600 222.00 800 296.00 100 37.00 1500 555.00

Pulses Ha. 0.19 100.00 400 76.00 800 152.00 100 19.00 1300 247.00

Oilseeds Ha. 0.50 100.00 120 60.00 200 100.00 20 10.00 340 170.00

Vegetables(Iexotics) Ha. 0.75 100.00 800 600.00 1600 1200.00 50 37.50 2450 1837.50

Vegetables(Traditional) Ha. 0.33 100.00 400 132.00 1200 396.00 100 33.00 1700 561.00

Maintainance of Coconut Ha. 2.30 100.00 600 300.00 500 1150.00 100 230.00 1200 1680.00

Maize Ha. 0.36 100.00 50 18.00 50 18.00 10 3.60 110 39.60

Sub Total 3670 1702.00 7150 4152.00 680 454.10 11500 6308.10

Term Loan

MI Pond No 4.20 90.00 4 15.12 10 37.80 1 3.78 15 56.70

Diesel Pump Set (5HP) No 0.50 90.00 8 3.60 10 4.50 2 0.90 20 9.00

Electric Pump Set (5HP) No 0.25 90.00 5 1.13 5 1.13 1 0.23 11 2.49

Renovation of Ponds No 0.42 90.00 4 1.51 10 3.78 1 0.38 15 5.67

Constructions of Well No 1.85 90.00 4 6.66 5 8.33 1 1.67 10 16.66

Sub Total 28.02 55.54 6.96 90.52

Tractor No 6.90 90.00 10 62.10 5 31.05 0 0.00 15 93.15

Power Tiller No 2.20 90.00 30 59.40 40 79.20 5 9.90 75 148.50

Copra Drayer No 0.39 90.00 30 10.53 30 10.53 10 3.51 70 24.57

Sub Total 70 132.03 75 120.78 15 13.41 266.22

Cashew Ha. 1.02 90.00 20 18.36 40 36.72 40 36.72 100 91.80

Coconut Rehabilitation Ha. 1.20 90.00 80 86.40 190 205.20 230 248.40 500 540.00

Organic Cultivation of CoconutHa. 1.02 90.00 100 91.80 150 137.70 150 137.70 400 367.20

Pineapple Ha. 2.22 90.00 15 29.97 34 67.93 0 0.00 49 97.90

Other Fruits Ha. 0.78 90.00 15 10.53 115 80.73 20 14.04 150 105.30

Spices Ha. 1.00 90.00 10 9.00 30 27.00 0 0.00 40 36.00

Poly Houses No 1.28 90.00 10 11.52 20 23.04 0 0.00 30 34.56

Oyster Mushroom Ha. 0.52 90.00 15 7.02 20 9.36 0 0.00 35 16.38

Stevia Ha. 15.73 90.00 5 70.79 10 141.57 0.00 15 212.36

Other Medicinal Plant Ha. 1.60 90.00 20 28.80 20 28.80 0.00 40 57.60

Sub Total 364.19 758.05 436.86 1559.10

Farm Forestry (Nursery) Ha. 0.50 90.00 4 1.80 24 10.80 2 0.90 30 13.50

Nursery (0.25 Ha.) No 3.00 90.00 2 5.40 2 5.40 1 2.70 5 13.50

Sub Total 7.20 16.20 3.60 27.00

Cows Pair 1.08 90.00 40 38.88 150 145.80 10 9.72 200 194.40

Buffalo Pair 1.00 90.00 40 36.00 80 72.00 10 9.00 130 117.00

Calf Rearing No 0.26 90.00 50 11.70 125 29.25 50 11.70 225 52.65

Fodder Cultivation Acre 1.00 90.00 100 90.00 300 270.00 20 18.00 420 378.00

Mini Dairy No 6.00 90.00 1 5.40 1 5.40 1 5.40 3 16.20

Sub Total 181.98 522.45 53.82 758.25

Poultry – Layer 200 Birds 0.90 90.00 15 12.15 80 64.80 5 4.05 100 81.00

Poultry – Broiler 100 Birds 1.00 90.00 25 22.50 80 72.00 5 4.50 110 99.00

Poultry – Broiler 1000 Birds 2.70 90.00 5 12.15 5 12.15 10 24.30

Sub Total 46.80 148.95 8.55 204.30

Crop production, Maintenance, Marketing

Water Resources

Farm Mechanisation

Plantation and Horticulture

Forestry and Wasteland Development

Animal Husbandary-Dairy

Animal Husbandary-Poultry

Annexure I

Activities wise / Districtwise Potential Linked Physical and Financial Estimates for the year 2016-17

State : Union Territory of Aandaman & Nicobar Island

Unit South AndamanNorth & Middle

AndamanNicobar UT Total


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Goatery 10+1 0.44 90.00 20 7.92 80 31.68 0 0.00 100 39.60

Piggery 3+1 0.90 90.00 10 8.10 60 48.60 10 8.10 80 64.80

Sub Total 16.02 80.28 8.10 104.40

Fisheries

Traditional Craft No 0.90 90.00 5 4.05 24 19.44 1 0.81 30 24.30

Mechanised Craft No 1.01 90.00 5 4.55 24 21.82 1 0.91 30 27.28

Moterisation of Traditional No 0.45 90.00 30 12.15 170 68.85 0 0.00 200 81.00

Mechanised Boat & Gear

OAL: 10-12 m 1000 Gillnet / No 12.10 90.00 7 76.23 17 185.13 1 10.89 25 272.25


OAL: 12.5 m 1500 Gillnet / No 16.64 90.00 6 89.86 32 479.23 2 29.95 40 599.04


OAL: 12.5 m 1000 hooks No 16.94 90.00 6 91.48 32 487.87 2 30.49 40 609.84

Tuna Longliner No 75.63 90.00 2 136.13 10 680.67 0 0.00 12 816.80

Shrimp Culture Ha. 8.70 90.00 1 7.83 2 15.66 0 0.00 3 23.49

Sub Total 422.28 1958.67 73.05 2454.00

Bullocks and Bullock Carts No 0.78 75.00 4 2.34 16 9.36 0 0.00 20 11.70

Sub Total 2.34 9.36 0.00 11.70

Total Farm Credit 2902.86 7822.28 1058.45 11783.59

Agriculture Infrastructure

Storage Facilities

Rural Godown No 10.00 75.00 5 37.50 5 37.50 0 0.00 10 75.00

Cold Storage No 36.60 75.00 3 82.35 3 82.35 1 27.45 7 192.15

Sub Total 119.85 119.85 27.45 267.15

Land Development, Soil

conservation, Watershed

Soil Conservation Ha. 0.35 90.00 4 1.26 6 1.89 1 0.32 11 3.47

Land Shapping Ha. 0.67 90.00 4 2.41 6 3.62 1 0.60 11 6.63

Drainage Ha. 0.26 90.00 12 2.81 90 21.06 3 0.70 105 24.57

Reclamation Ha. 0.26 90.00 12 2.81 92 21.53 1 0.23 105 24.57

Sub Total 9.29 48.10 1.85 59.24

Others

Vermi Compost No 0.50 90.00 10 4.50 5 2.25 4 1.80 19 8.55

Sub Total 4.50 2.25 1.80 8.55

Total 133.64 170.20 31.10 334.94

Ancillary Activities

Fish & Shrimp Processing No 8.00 75.00 6 36.00 7 42.00 2 12.00 15 90.00

Coconut Processing No 8.00 75.00 6 36.00 4 24.00 5 30.00 15 90.00

Fruit Processing No 11.00 75.00 8 66.00 2 16.50 2 16.50 12 99.00

Cattle Feed Manufacturing No 6.20 75.00 4 18.60 3 13.95 1 4.65 8 37.20

Bakery No 2.80 75.00 12 25.20 12 25.20 0 0.00 24 50.40

Pickle Making No 1.40 75.00 8 8.40 10 10.50 0 0.00 18 18.90

Masala Making No 2.80 75.00 8 16.80 10 21.00 1 2.10 19 39.90

Food Products and BeveragesNo 6.50 75.00 8 39.00 10 48.75 1 4.88 19 92.63

Health Mix No 0.92 75.00 8 5.52 3 2.07 1 0.69 12 8.28

Plckle / snacks No 1.02 75.00 8 6.12 6 4.59 2 1.53 16 12.24

Ice cream and milk product No 2.02 75.00 4 6.06 4 6.06 0 0.00 8 12.12

Sub Total 263.70 214.62 72.35 550.67

Others

ACABC No 8.00 75.00 6 36.00 3 18.00 1 6.00 10 60.00

PACS No. 12.00 75.00 6 54.00 3 27.00 1 9.00 10 90.00

Sub Total 90.00 45.00 15.00 150.00

Total 353.70 259.62 87.35 700.67

Total Agriculture 3390.20 8252.10 1176.90 12819.20

Micro, Small and Medium Enterprises(MSME)

Manufacturing Sector - Term Loan

Artisans No 0.60 90.00 55 29.70 20 10.80 0.00 75 40.50

Cottage & Village Industries No 1.60 90.00 45 64.80 18 25.92 0.00 63 90.72

Tiny Indutriess No 5.20 90.00 50 234.00 30 140.40 0.00 80 374.40

SSI No 97.00 90.00 8 698.40 7 611.10 0.00 15 1309.50

Coir Industries No 58.00 90.00 20 1044.00 10 522.00 0.00 30 1566.00

Sub Total 2070.90 1310.22 0.00 3381.12

Others

Food & Agro Processing

Animal Husbandary-Sheep Goat & Piggery


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Manufacturing Sector - Working Capital

Cottage & Village Industries 30.000 20.000 0.000 50.000

Tiny Indutriess 120.000 80.000 0.000 200.000

SSI 350.000 150.000 0.000 500.000

Sub Total 500.000 250.000 0.000 750.000

Service Sector - Term Loan

SRWTO No 6.50 90.00 150 877.50 50 292.50 0.00 200 1170.00

Retail Trader / Small BusinessmenNo 2.70 90.00 800 1944.00 500 1215.00 0.00 1300 3159.00

Professional / Self EmploymentNo 2.00 90.00 250 450.00 100 180.00 0.00 350 630.00

Sub -Total 3271.50 1687.50 0.00 4959.00

Service Sector - Working Capital

SRWTO 80.00 60.00 0.00 140.00

Retail Trader / Small Businessmen 100.00 120.00 0.00 220.00

Professional / Self Employment 60.00 40.00 0.00 100.00

Sub - Total 240.00 220.00 460.00

Total - MSME 6082.40 3467.72 9550.12

Export Credit

Export Credit 20.00 90.00 95 1710.00 20 360.00 10 180.00 125 2250.00

Total 1710.00 360.00 180.00 2250.00

Education

Education No 4.00 90.00 400 1440.00 140 504.00 20 72.00 560 2016.00

Total 1440.00 504.00 72.00 2016.00

Housing

Housing No 10.00 90.00 470 4230.00 150 1350.00 70 630.00 690 6210.00

Total 4230.00 1350.00 630.00 6210.00

Renewable Energy

Bio – gas Plants No 0.36 75.00 5 1.35 10 2.70 0 0.00 15 4.05

Solar Dryers No 0.12 75.00 5 0.45 10 0.90 0 0.00 15 1.35

Solar Lanterns No 0.20 75.00 15 2.25 15 2.25 0 0.00 30 4.50

Sub Total 4.05 5.85 0.00 9.90

Others

SHGs No 1.50 90.00 500 675.00 400 540.00 0 0.00 900 1215.00

JLGs No 1.50 90.00 200 270.00 200 270.00 0 0.00 400 540.00

Total 945.00 810.00 0.00 1755.00

Social infrastructure

Schools No 15.00 90.00 3 40.50 2 27.00 1 13.50 6 81.00

Health Care Facilities No 18.00 90.00 4 64.80 2 32.40 2 32.40 8 129.60

Drinking Water No 20.00 90.00 5 90.00 2 36.00 1 18.00 8 144.00

Sanitation No 0.50 90.00 60 27.00 30 13.50 4 1.80 94 42.30

Total 222.30 108.90 65.70 396.90

Total Priority Sector 18023.95 14858.57 2124.60 35007.12


56

State : Union Territory of Andaman & Nicobar Islands Rs. In Lakhs

Sr. No..Agency / Type of Loan 2012-13 2015-16

Target Achievement Target Achievement Target Achievement Target

1 Crop Loan 1522.00 1234.84 4800.00 367.00 3825.00 325.00 3945.00

i Commercial Banks 1015.00 760.68 4000.00 122.00 2005.00 222.00 2155.00

ii A&N SCB 507.00 474.16 800.00 245.00 1820.00 103.00 1790.00

2 Term Loan (MT + LT) 2575.00 6107.90 7000.00 9292.20 8525.00 8153.00 6541.00


ii A&N SCB 1098.00 3340.17 2500.00 6139.90 3575.00 3704.00 2576.00

3 Total Agriculature credit (1+2) 4097.00 7342.74 11800.00 9659.20 12350.00 8478.00 10486.00


ii A&N SCB 1605.00 3814.33 3300.00 6384.90 5395.00 3807.00 4366.00

4 Non - Farm Sector 2919.00 5400.00 3033.00 5229.00 4960.00 6914.00 5500.00


ii A&N SCB 869.00 379.00 732.00 323.00 602.00 194.00 443.00

5 Other Priority Sector 11290.00 7514.00 11370.00 8142.00 11600.00 6987.00 15100.00


ii A&N SCB 1135.00 1359.00 1475.00 2368.00 2680.00 280.00 1080.00

Grand Total (3+4+5) 18306.00 20256.74 26203.00 23030.20 28910.00 22379.00 31086.00

ANNEXURE - II

An averview of Ground Level Credit Flow - Agency wise during the period from 2012-13 to 2014-15 and target for 2015-16

2013-14 2014-15


57

Rs. In Lakhs

Particulars

Agencies / Activities CBs SCB Total CBs SCB Total CBs SCB Total CBs SCB Total

1 I Crop Loan 760.68 474.16 1234.84 122.00 245.00 367.00 222.00 103.00 325.00 2155.00 1790.00 3945.00

2 II Term Loans

a Water Resources 8.50 0.00 8.50 0.00 0.00 0.00 4.00 0.00 4.00 95.00 70.00 165.00

b Land Development 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 53.00 90.00 143.00

c Farm Mechanisation 6.09 4.17 10.26 2.50 24.90 27.40 0.00 31.00 31.00 677.00 250.00 927.00

d Plantation & Horticulture 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 327.00 180.00 507.00

e Others - Agri 158.48 0.00 158.48 3123.00 5900.00 9023.00 38.00 227.00 265.00 781.00 932.00 1713.00

f Dairy Development 67.30 0.00 67.30 0.80 14.00 14.80 1.50 10.50 12.00 515.00 184.00 699.00

g Poultry 371.00 17.00 388.00 1.00 200.00 201.00 0.00 2.00 2.00 325.00 129.00 454.00

h Sheep/goat/ piggery 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 232.00 139.00 371.00

i Fisheries 162.36 9.00 171.36 25.00 1.00 26.00 6.00 13.00 19.00 574.00 250.00 824.00

j Forestry/Waste land Deve. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

k Storage / Market Yard 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 60.00 50.00 110.00

l Bio - Gas 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

m Others 2742.59 3410.67 6153.26 0.00 0.00 0.00 3654.00 4166.00 7820.00 523.00 105.00 628.00

Sub Total 3516.32 3440.84 6957.16 3152.30 6139.90 9292.20 3703.50 4449.50 8153.00 4162.00 2379.00 6541.00

Grand Total (I+II) 4277.00 3915.00 8192.00 3274.30 6384.90 9659.20 3925.50 4552.50 8478.00 6317.00 4169.00 10486.00

ANNEXURE III

Sector wise Ground Level Credit Flow under Agriculture and Allied Activities

2012-13 2013-14 2014-15 2015-16 (Target)Sr. No


58

Indicative unit costs (for major activities of the district ) as arrived at by NABARD for its internal use

( Rs. lakh)

Activities Activities

MI Pond 4.20 Poultry – Layer 200 Birds 0.90

Diesel Pump Set (5HP) 0.50 Poultry – Broiler 100 Birds 1.00

Electric Pump Set (5HP) 0.25 Poultry – Broiler 1000 Birds 2.70

Renovation of Ponds 0.42 Sub Total

Constructions of Well 1.85

Goatery 10+1 0.44

Piggery 3+1 0.90

Tractor 6.90 Fisheries

Power Tiller 2.20 Traditional Craft No 0.90

Copra Drayer 0.39 Mechanised Craft No 1.01

Moterisation of Traditional Craft No 0.45

Mechanised Boat & Gear OAL: 10-12 m

1000 Gillnet / lines No 12.10

Cashew 1.02

Mechanised Boat & Gear OAL: 12.5 m

1500 Gillnet / lines No 16.64

Coconut Rehabilitation 1.20

Mechanised Boat & Gear OAL: 12.5 m

1000 hooks long line No 16.94

Organic Cultivation of Coconut 1.02 Tuna Longliner No 75.63

Pineapple 2.22 Shrimp Culture Ha. 8.70

Other Fruits 0.78 Bullocks and Bullock Carts No 0.78

Spices 1.00 Storage Facilities

Poly Houses 1.28 Rural Godown No 10.00

Oyster Mushroom 0.52 Cold Storage No 36.60

Stevia 15.73

Land Development, Soil conservation,

Watershed Devlopment

Other Medicinal Plant 1.60 Soil Conservation Ha. 0.35

Land Shapping Ha. 0.67

Drainage Ha. 0.26

Farm Forestry (Nursery) 0.50 Reclamation Ha. 0.26

Nursery (0.25 Ha.) 3.00 Others

Vermi Compost No 0.5

Cows 1.08 Renewable Energy

Buffalo 1.00 Bio – gas Plants No 0.36

Calf Rearing 0.26 Solar Dryers No 0.12

Fodder Cultivation 1.00 Solar Lanterns No 0.20

Mini Dairy 6.00

Unit Cost

Annexure IV

Animal Husbandary-Dairy

Animal Husbandary-Poultry

Animal Husbandary-Sheep Goat & Piggery

Water Resources

Farm Mechanisation

Plantation and Horticulture

Forestry and Wasteland Development

Unit Cost


59

Crop Unit Amt (Rs)

Paddy (HYV) Ha. 38151

Paddy (Traditional) Ha. 33511

Pulses Ha. 16960

Sun Flower/Oilseeds Ha. 45135

Vegetables(Iexotics) Ha. 67850

Vegetables(Traditional) Ha. 30200

Naintenaqnce of Mango/Sapota Ha. 160460

Maintenance of Arecanut Ha. 339445

Maintenance of Coconut Ha. 230498

Maize Ha. 32870

Cultivation of Banana ( improved) Ha. 106172

Cultivation of Banana(tissue culture) Ha. 238815

Annexure V

Scale of Finance Approved in the SLTC held on 15 April 2015


60

Sl.No.

Name of

Block

Total potential for

promotion of SHGs

No. of SHGs savings

liked as on 31 March

2015

Balance potential

as on 31 March

2015

No. of SHGs to be

promoted and

savings linked

during 2015-16

No. of SHGs to be

promoted and

savings linked

during 2016-17

1 7550 5430 2120 300 300

Annexure VI(i)

Details of potential available for promotion and savings linkage of SHGs


61

No.

Amount ( ₹

lakh) No.

Amount ( ₹

lakh) No.

Amount

( ₹ lakh) No.

Amount (

₹ lakh)

1 2263 1250 625.00 200 200.00 1250 625.00 200 200.00

Repeat

Annexure VI (ii)

Details of potential available for credit linkage of SHGs

Sl.No.

Name of

Block

No. of SHGs ( credit

linked) as on 31 March

2015

No. of SHGs to be credit linked during

2015-16

No. of SHGs to be credit linked during

2016-17

Fresh Repeat Fresh

संभायता यु ऋण योजना Ð2016-17 - nabard · 2018-09-22 · •...

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