District Profile Appendix-lDistrict - Hooghly

2. SOIL & CLIMATE

State - West Bengal Division - Burdwan

1 PHYSICAL & ADMINISTRATIVE FEATURES

Total Geographical Area (Sq.km) 3149

No. of Sub Divisions 4

No. of Blocks 18

No. of Villages (Inhabited) 1886

No. of Panchayats 207

3. LAND UTILISATION [hal

Total Area Reported 314900

Forest Land 649

Area Not Available for Cultivation 96615

Permanent Pasture and Crazing Land 8

Land under Miscellaneous Tree Crops 1588

Cultivable Wasteland 1518

Current Fallow 594

Other Fallow 119

Net Sown Area 223390

Total or Gross Cropped Area 513797

Area Cultivated More than Once 193425

Cropping Intensity [GCA/NSA] 230

Cultivators 2779lli

Of the above, Small/Marginal Farmers

Agricultural Labourers 452114

Workers engaged in Household Industries 96204

Workers engaged in Allied Agro-activities

Other workers 1033268

6 WORKERS PROFILE [in 000]

8. HOUSEHOLDS [in '000]

Total Households

Rural Households

BPL Households

10. VILLAGE-LEVEL INFRASTRUCTURE [Nos]

Villages Electrified 1105

Villages having Agriculture Power Supply 256

Villages having Post Offices 1080

Villages having Banking Facilities 1241

Villages having Primary Schools 1607

Villages having Primary Health Centres 67

Villages having Potable Water Supply 1884

Villages connected with Paved Approach Roads 1095

13. IRRIGATION COVERAGE [Ha]

Total Area Available for Irrigation (NIA + Fallow) 169761

Irrigation Potential Created 44336

Net Irrigated Area(Total area irrigated at least once) 168924

Area irrigated by Canals / Channels 106091

Area irrigated by Wells 65094

Area irrigated by Tanks 34450

Area irrigated by Other Sources 16290

Irrigation Potential Utilized (Gross Irrigated Area) 221925

15 AGRO-PROCESSING UNITS

Type of Processing Activity No of units Cap. [MT]Food (Rice/Flour/Dal/Oil/Tea/Coffee) 436 846608

ISugarcane (Gur/Khandsari/Sugar)

Fruit (Pulp/Juice/Fruit drink) 8 147

Spices (Masala Powders/Pastes) 36 3173

Dry-fruit (Cashew/ Almond/Raisins)

Cotton (Ginnining/Spinning/Weaving)

Milk (Chilling/Cooling/Processing) 25 2045

Meat (Chicken/Mutton/Pork/Dry fish) 1

Animal feed (Cattle/Poultry /Fishmeal) 4 150

Category of animal Total Male Female

Cattle - Cross bred 231 124 107

Cattle - Indigenous 730 69 661

Buffaloes 40 9 31

Sheep - Cross bred 1 1 1

Sheep - Indigenous 4 2 2

Goat 760 302 458

Pig - Cross bred 1 0 1

Pig - Indigenous 28 12 16

Horse/Donkey/Camel

Poultry - Cross bred 1253 N.A. N.A.

Poultry - Indigenous 1863 N.A. N.A.

17 ANIMAL POPULATION AS PER CENSUS 2007 [in 000]

Agro-climatic Zone Lower Gangetic Plains - Central Alluvial Plains

Climate Moist sub-humid to dry sub-humid

Soil Type Red & yellow, deltaic, alluvial, red, loamy

4. RAINFALL & GROUND WATER

Normal 1 Actual2011 1 2012 2013

Rainfall [in mm] 14761 15531 1090 1365.3

Variation from Normal 771 -386 -110.7

Availability of Ground Water Net annual recharge Net annual draft Balance[Ham]

5 DISTRIBUTION OF LAND HOLDING

Holding AreaClassification of Holding

Nos. % to Total ha. % to Total<-1 ha 293535 86 128989 60>1 to <-2ha 40363 12 61311 28

>2ha 8633 3 25855 12

Total 342531 100 216155 100

Category Total Male Female Rural Urban

Population 5519 2815 2704 3391 2128

Scheduled Caste

Scheduled Tribe

Literate 4526 2449 2077 2388 2138

BPL

7 DEMOGRAPHIC PROFILE [in 000]

Anganwadis

Primary Health Centres

Primary Health Sub-Centres

12 INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE

Fertiliser/Seed/Pesticide Outlets [Nos] 4765 Agriculture Pumpsets[Nos] N.A.

Total N/P /K Consumption [MT] 154400 Pumpsets Energised [Nos] N.A.

Certified Seeds Supplied [MT] N.A. Agro Service Centres [Nos] N.A.

Pesticides Consumed [MT] N.A. Soil Testing Centres [Nos] 5

Agriculture Tractors [Nos] 224 Plantation nurseries [Nos] N.A.

Power Tillers [Nos] 4955 Farmers' Clubs [Nos] 417

Threshers/Cutters [Nos] 23196 Krishi Vigyan Kendras[Nos] 1

14 INFRASTRUCTURE FOR STORAGE TRANSPORT & MARKETING

Rural/Urban Mandi/Haat [Nos] 216 "Wholesale Market [Nos] 3

Length of Pucca Road [Km] 5746 Godown [Nos] 26

Length of Railway Line [Km] Godown Capacity[MT] 40235

Public Transport Vehicle [Nos] 13301 Cold Storage [Nos] 136

Goods Transport Vehicle [Nos] 19412 Cold Store Capacity[MT] 1676537

16 AREA PRODUCTION & YIELD OF MAJOR CROPS

2lli3-14 2lli4-15 Avg. YieldCrop

Area (ha) Prod. (MT) Area (ha) Prod. (MT) [MT/ha]

Paddy (Aman) 185380 808190 2%526 953941 3.22

Paddy (Bora) 66385 349160 66385 349150 5.26"Wheat 1405 3430.1

Jute 14084 225130 16898 253470 bales 15 bales Zha

Potato 87129 1680590 99460 3118100 31.35

24173 37716.2 54521 60835.65 1.12

Vegetables 56743 817131 14.40

Total 378556 3104216.3 590533Production ofCotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India)

18 INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES

Veterinary Hospitals/Dispensaries [Nos] 40 Animal Markets [Nos] 4

Disease Diagnostic Centres [Nos]35

Milk Collection Centres [Nos]50

Artificial Insemination Centers [Nos] 399 Fishermen Societies [Nos] 32Animal Breeding Farms [Nos] Fish seed farms [Nos] 1Animal Husbandry Tng Centres [Nos] 1 Fish Markets [Nos] N.A.

Dairy Cooperative Societies [Nos] 50 Poultry hatcheries [Nos] 4

Improved Fodder Farms [Nos] Slaughterhouses [Nos]

19. MILK FISH EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY

Fish Production [MT] 68281 Per cap avail. [gm/ day] 37

Egg Production [Lakh Nos] 2164 Per cap avail. [nos Zp.a.] 43

Milk Production ['000 MT] 473 Per cap avail. [gm/ day] 257

Meat Production [MT] 27605 Per cap avail. [gm/ day] 15

Item Nos. 1, 6, 7, 9 & 10 - Census 2001; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of AgrjDir. of Eco. & Stat.; Item No.4 - Dept. of Agr.jWater Resources; Item No.8 - BPLSources (if not mentioned against the Survey 2002; Item No. 15 _District Ind CentrejDir. of Eco. & Stat.; Item No. 16 - DACNIT; Item No. 17 - AH Census 2003; Item Nos. 18 & 19 - Dir. of Animal Hus.jDir.respective item): of Eco. & Stat.

Banking Profile Appendix - 2

Hooghly West Bengal Lead Bank- UCO BankDistrict-

NETWORK & OUTREACH (As on 31/03/2014)

No. of No. of Branches No. of non-formal agencies associated Per Branch OutreachAgency

Banks/Soc. Total Rural Semi-urban Urban mFls/mFOs SHGs/JLGs BCs/BFs Villages Households

Commercial Banks 17 336 156 72 108 2 9672 518 6 2614

Regional Rural Bank 1 36 33 1 2 3033 43 52 24393

District Central Coop. Bank 1 19 17 2 25631 99 46219

Coop. Age. & Rural Dev. Bank 2 6 6 314 146361

Primary Agr. Coop. Society 329 5

Others (Private banks) 7 36 5 16 15 52

All Agencies 357 433 217 1 127 2 38336 561 4 2028

2 DEPOSITS OUTSTANDING

No. of accounts Amount of Deposit IRs.'OOO]Agency

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 161616810 186556893 245163669 0.3141 0.9460

Regional Rural Bank NA NA NA NA NA 3693979 3996900 4318147 0.0804 0.0167

Cooperative Banks NA NA NA NA NA 7963614 9927050 9682432 -0.0246 0.0374

Others NA NA NA NA NA 17267266 23106412 NA

All Agencies NA NA NA NA NA 190541669 223587255 259164248 0.1591 1.0000

3 LOANS & ADVANCES OUTSTANDING

No. of accounts Amount of Loan IRs.'OOO]Agency

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 40146606 45296518 48944100 0.0805 0.8550

Regional Rural Bank NA NA NA NA NA 1503166 1800300 2123800 0.1797 0.0371

Cooperative Banks NA NA NA NA NA 4978733 5359215 6179200 0.1530 0.1079

Others NA NA NA NA NA 957936 2367561 NA

All Agencies NA NA NA NA NA 47586441 54823594 57247100 0.0442 1.0000

4 CD-RATIO 5 PERFORMANCE UNDER FINANCIAL INCLUSION (No of Alcs)

CD Ratio 1Agency

31-Mar-13 31-Mar-14 31-Mar-15

Commercial Banks 24.84 24.28 23.72

Regional Rural Bank 40.69 45.04 49.18

Cooperative Banks 62.52 53.99 63.81

Others 5.55 10.25 NA

All Agencies 24.97 24.52 22.08

During 2014-15 1Agency No of No No of No of Smart No of USB

Frills AlC BC/BF/CSP Card Issued OpenedCommercial Banks 471164 518 65873 63

Regional Rural Bank 4466 43

Cooperative Banks 2298

Others

All Agencies 477928 561 65873 63

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

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

Agency Amount % of Total Amount % of Total Amount % of Total Amount % of Total Amount % of TotalIRs.'OOO] Loans IRs.'OOO] Loans IRs.'OOO] Loans IRs.'OOO] Loans IRs.'OOO] Loans

Commercial Banks 13402640 6639093

Regional Rural Bank 2081527 720141

Cooperative Banks 5723587 4326326

Others

All Agencies 21207754 11685560

7 AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

2012-13 2013-14 2014-15 AverageAgency Target I Ach'ment

Ach'ment 1%]Target Ach'ment

Ach'ment 1%]Target Ach'ment

Ach'ment 1%]Achl%] in

IRs.'OOO] IRs. '000] IRs.'OOO] IRs. '000] IRs.'OOO] IRs. '000] last 3 years

Commercial Banks 261654151 14107249 53.92 26663937 6402228 24.01 33061681 13402640 40.54 39.49

Regional Rural Bank 3728812 1424874 38.21 3128752 1104478 35.30 3181829 2081527 65.42 46.31

Cooperative Banks 1 73752391 4269634 57.89 7236504 4768396 65.89 6209439 5723587 92.18 71.99

Others 1 7110341 451252 63.46 2242638 364048 16.23 26.57

All Agencies 1 379805001 20253009 53.32 39271831 12639150 32.18 42452949 21207754 49.96 45.15

8 SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

2012-13 2013-14 2014-15 AverageBroad Sector Target Ach'ment Target Ach'ment Target Ach'ment Achl%] in

IRs.'OOO] IRs. '000]Ach'ment 1%]

IRs.'OOO] IRs. '000]Ach'ment 1%]

IRs.'OOO] IRs. '000]Ach'ment 1%] last 3 years

Crop Loan 12967500 7945757 61.3 20088900 2756580 13.72 22265129 6763089 30.38 35.12

Term Loan (Agr) 8802638 2477665 28.1 5158931 4843258 93.88 5508301 4922471 89.36 70.46

Total Agri. Credit 21770138 10423422 47.9 25247831 7599838 30.10 27773430 11685560 42.07 40.02

MSE 7413600 3119582 42.1 10857800 2659194 24.49 10930959 5668395 51.86 39.48

Other Priority Sector 7298000 4080174 55.9 3166200 2380118 75.17 3748560 3853799 102.81 77.96

Total Priority Sector 36481738 17623178 48.3 39271831 12639150 32.18 42452949 21207754 49.96 43.48

9 RECOVERY POSITION

1 2012-13 2013-14 2014-15 AverageAgency Demand IRs. Recovery Recovery Demand IRs. Recovery Recovery Demand IRs. Recovery Recovery Rec. [%] in

'000] IRs. '000] 1%] '000] IRs. '000] 1%] '000] IRs. '000] 1%] last 3 years

Commercial Banks 3229520 1661694 51.5 NA NA NA NA NA NA NA

Regional Rural Bank 1492545 886145 59.4 NA NA NA NA NA NA NA

Cooperative Banks 3093368 2481579 80.2 NA NA NA NA NA NA NA

Others 66985 15033 22.4 NA NA NA NA NA NA NA

All Agencies 7882418 5044451 64.0 NA NA NA NA NA NA NA

Sources Lead Bank & SLBC

PLP 2016-17 HOOGHLY

EXECUTIVE SUMMARY

• Hooghly despite being a major industrial district of West Bengal retains its basicrural characteristics with over 70% of its total population depending on Agricultureand its position as one of the major producers of cereals in the State. With highlyfertile alluvial soil, well developed irrigation infrastructure, the district can safely becalled as an agriculturally advanced district. The cropping intensity in the district is230%.

• The total geographical area of this District is 314900 ha of which 223390 ha (71%)isunder cultivation. Out of the total area under cultivation 66% area is covered byirrigation. There are lower DVC projects in the district. More than 95% of landbelongs to small and marginal farmers and average size of land holdings is about0.66 ha.

• The most striking feature of the industrial development of the district is theimbalance in the industrial growth. While Shrirampore- Uttarpara have a fewmodern factories and Singur, Jangipara, Tarakeswar, Haripal, Arambag,Dhaniakhali, Polba-Dadpur, Pandua and Balagarh are characterized at the best byCold Storage, Rice Mills and Brick Fields, the rest of the district, still in the nascentstage of industrial development.

• In the PLP 2016-17 the projection for the total priority sector lending is pegged at~542270.40 Lakh, as compared to ~495103.74 projected in the Base PLP. The CropProduction, Maintenance and Marketing loan was projected as ~291888.30 in theBase PLP. Keeping in view the present trend of shifting away from the traditionalcrops like boro paddy, wheat and jute and increased adoption of vegetables, mustard,til, groundnut and pulses cultivation, an area of 389448 ha being 76% of the GrossCropped Area has been projected to be covered under crop loan for which a financialprojection of ~225570.36 is arrived at. As the crops like mustard, til, groundnut andpulses are having scale of finance much lower than those of traditional crops likeBoro paddy, wheat and jute, the projected bank credit for 2016-17 is less than thatassessed in the Base PLP, though the projected area is more than that had beenassessed in the Base PLP. The financial projection is based on the latest scale offinance fixed by District Level Technical Committee (DLTC) which is inclusive of 10%towards post- harvest /household /consumption and 20% of the cost asrepairs/maintenance of the farm assets, as per RBI guidelines.

• Although in the district the credit flow of the Agricultural Term Loan is not pickingup as required, and accordingly the projection in the Base PLP was kept at ~56647.44lakh but considering the tremendous need of capital formation in the allied sector tosustain growth of about 4% in agriculture and different types of assistance extendedby various departments to boost the sector, the huge gap in agriculturalinfrastructure to be plugged by private investment, the excellent scope of developingancillary activities including food and agro processing, the potential for the total termloan has been assessed as ~98602.68 lakh; contributing 30% of the Credit Potentialfor Total Agriculture.

• The projection for MSE Investment in the Base PLP for 2016-17was ~97000.00 lakh.Considering the increased importance of the MSE as a vehicle for inclusive growth,availability of collateral free loan upto ~5.00 lakh under the Credit Guarantee Fund

PLP 2016-17 HOOGHLY

Trust for Micro and Small Enterprises (CGTMSE), prevalence of different schemeslike PMEGP, BSKP to promote MSMEs, newly introduced GATIDHARA scheme forgenerating self- employment in the Urban and Rural areas of the State throughpromotion of transport service and good performance by the banks at the State levelin terms of financing the sector, an upward revision has been assessed and anamount of ~158827.50lakh has been projected for MSME sector for 2016-17.

• The projection for the other broad sectors as classified by the RBI as Priority Sectorare: Export: ~2700.00 lakh, Education: ~7650.00 lakh, Housing: ~28728.00 lakh,Renewable Energy: ~128.95 lakh, Others: ~18834.40 lakh other priority sectorlending has been revised upward from ~39614.00 lakh from the and SocialInfrastructure: ~1228.50lakh.

Suggested Action Points for realizing the Financial Projection

• Though 98.19%of farmers having clear Title Deed of land have been covered underKCC in Hooghly as on 31.03.2015(Source: Deputy Director of Agriculture, GOWB),large number of actual tillers are excluded due to lack of title deed of land. A surveywith the help of gram panchayats to assess the number of farmers who are stillexcluded from the fold of KCC due to absence of title deed of land and organize themas Joint Liability Groups to avail KCC.

• The Bankers should extend vegetable and onion loan under KCC, to help farmersshift from less remunerative paddy and risk prone potato cultivation and diversifytheir cropping practice. The loan requirement per acre of vegetablej onion cultivationis more than that of paddy cultivation, yet farmers use the KCC amount for paddycultivation to partially cover such cultivation, and the balance they have to managefrom consumption expenses or from loan from non-institutional sources.

• Formation of farmers Producer Organisations for the farmers involved in productionof potato, onion and vegetables and providing them support for direct marketing.Farmer Producer Companies may be developed in areas like Balagarh, Pandua,Haripal (Chilling Plant, Onion Paste, Vermin compost), Polba Dadpur, Dhaniakhali,Singur (Fruit Processing & Ripening Units) and Tarakeswar-Pursurah-Arambagh-Khanakul-Goghat belt (Potato- seed and processing variety) availing support underEquity Grant & Credit Guarantee Fund Scheme from the Ministry of Agriculture,Department of Agriculture & Cooperation.

• Support construction of Rural Godowns by farmersjSHGs of capacity more than 250MT and accredition of the same for scientific storage. Regularize provision of post-harvest credit to farmers by the banks against negotiable warehouse receipts toprevent distress sale. The present accredit ion process is very lengthy, cumbersomeand uncertain. NABARDjNABCONS may take up with WDRA, New Delhi, tosimplify the process and make it more farmer-friendly.

• Set up of sorting, grading and packing infrastructure for fruits and vegetables inmajor production belts like Balagarh, Pandua, Chinsurah-Mogra, Polba-Dadpur,Singur & Tarakeswar.

• Establish Multi- purpose cold storages for vegetables in the vegetable producing beltto save farmers from distress sale. Multipurpose cold storages need to be linked withround the year product cycle and hence FPOs j organized body of farmersjPACSshould be the best potential beneficiary to set up such stores. A complete value chainof production, aggregation and storage of horti-produce will ensure viability. Thevegetable rich blocks with strong farmer groups may be targeted for the scheme.

PLP 2016-17 HOOGHLY

• Promotion of vermi compost in the blocks like Balagarh, Polba Dadpur, Dhaniakhaliand Haripal which have large number of cattle and using Farmers Clubs and SHGsfor commercialisation of such activities and proper distribution of the compostacross the district, specially in the potato belt of Goghat, Arambagh, Khanakul,Pursurah and Tarakeswar, by the Agri-Marketing Department

• Establishing more number of Drainage cum surface flow MI schemes in the blockslike Chinsurah Mogra, Pandua, Gogaht I and II, Singur, Arambagh, where overutilisation of ground water has taken place in the past years

• Emphasize Field Channel schemes blocks Haripal, Pandua and Dhaniakhali, wherecanals (Kana Nadi, Eden Br-I, Kana Damodar, D-I Br) are flowing

• Promote "Farm Equipment Service Centres" or "Farm Machinery Hubs" offering theequipment on custom hiring. Such facilities may be set up either underentrepreneurship (ACABC)mode or at the PACSs

• Promote sustainable livelihood activities by SHGs in horticulture, dairy, poultry,goatery, fishery, vermi compost under the facilitation of PACS like Amnan in PolbaDadpur, Vivekananda in Tarakeswar, Kanpur SKUS in Arambagh, which have goodexperience in nurturing and supporting SHGs.

• Since the bulk of Rabi Onion is harvested during March-April, just before the onsetof the monsoon, the prices of onion decline during this period while the same shootsup during the rainy season. Non-availability of storage facilities at farm level forcesfarmers to sell their produce immediately after the harvest to save furtherdeterioration during rains. In return, they get the most depressed prices and themiddlemen in the trade get the advantage of price volatility of prices of this essentialcommodity. In order to mitigate the supply crisis during June-September and to helpthe onion producing farmers reaping remunerative price, naturally ventilated onionstorage structure made with brick, bamboo and tin/asbestos/straw, developed byHooghly Krishi Vigyan Kendra and supported by the Department of Horticulture isproved to be an effective technology. A back ended subsidy to the extent of 50% ofthe capital cost with an upper limit of Rs.87500.00 from the Department ofHorticulture under National Horticulture Mission is prevalent. The Model Schemeon Onion Storage Structure has been prepared by NABARD to demonstrate to thebanks that financing for constructing on- farm onion storage structure is a viableproposition. While the working capital for onion cultivation can partially becapitalized with the capital cost of construction of the onion storage structure,increased emphasis is required to be given to bring the crop to the fold of KCC andinsurance coverage.

PLP 2016-17 HOOGHLY

Broad Sector wise PLP Projections- 2016-17(~lakh)

Sr. No. Particulars PLPProjections

2016-17A Farm Credit

i Crop Production, Maintenance and Marketing 225570·36

II Term Loan for Agriculture and Allied Activities 44082·41

Sub Total 269652.77

B Agriculture Infrastructure 43851.50

C Ancillary activities 10668.78

I Credit Potential for Agriculture (A+B+C) 324173·05II Micro, Small and Medium Enterprises 158827.50

III Export Credit 2700.00

IV Education 7650.00

V Housing 28728.00

VI Renewable Energy 128·95

VII Others 18834.40

VIII Social Infrastructure involving bank credit 1228.50

Total Priority Sector (I to VIII) 542270·40

PLP 2016-17 HOOGHLY

Summary ofSectorjSub-sector wise PLP Projections- 2016-17(~lakh)

Sr. No. Particulars PLPProjections

2016-17I Credit Potential for Agriculture

A Farm Credit

i Crop Production, Maintenance and Marketing 225570.36

II Water Resources 1182·31... Farm Mechanisation 12684·31III

IV Plantation and Horticulture 4520·49

V Forestry and Waste land Development 199·80

VI Animal Husbandry -Dairy 6655·35

Vll Animal Husbandry -Poultry 7143·15... Animal Husbandry -Sheep/Coat/Piggery 1977·96Vlll

IX Fisheries 5921.04

X Others- Bullock, Bullock cart etc 3798.00

Sub Total 269652.77

B Agriculture Infrastructure

i Construction of storage facilities (Warehouses, Market yards, 40432·50Godowns, Silos, Cold Storage units/Cold Storage chains)

II Land Development, Soil Conservation, Watershed development 77·00

... Others (Tissue Culture, Agri bio technology, Seed production, Bio 3342.00IIIpesticides/fertilizers, Vermin composting)

Sub Total 43851.50

C Ancillary activitiesi Food and Agro Processing 10151.28

II Others (Loans to Cooperative Societies of farmers for disposing of 517·50their produce, Agri Clinics /Agri Business Centres, Loans toPACS/FSS/LAMPS, Loans to MFIs for on lending)

Sub Total 10668.78

Total Agriculture 324173·05II Micro, Small and Medium Enterprises

i MSME- Working capital 111982·50II MSME- Investment Credit 46845·00

Total MSME 158827.50

III Export Credit 2700.00

IV Education 7650.00

V Housing 28728.00

PLP 2016-17 HOOGHLY

VI Renewable Energy 128·95

VII Others (Loans to SHGsjJLGs, loans to distressed persons to 18834.40prepay non-institutional lenders, PMJDY, loans to state sponsoredorganisations for SCjST)

VIII Social Infrastructure involving bank credit 1228.50

Total Priority Sector 542270·40