PLP 2016-17 Mamit District [1] EXECUTIVE SUMMARY "Accelerating the pace of capital formation in agriculture and allied sector” Mamit district has three revenue sub-divisions viz. Mamit, West Phailang and Kawrthah and 3 rural development blocks Viz. Reiek, Zawlnuam and West Phailang. All the blocks comprise of hilly areas. The districts have 3 places of tourist attraction. The district is connected only by road with the State Head Quarter i.e. Aizawl. The normal rainfall in the district is 2200 mm. The district has a total population of 85757 as per 2011 census. The rural population is 82.73% and population of the urban is 17.27%. The population density in the district is 28 per sq.kms which is lowest in the State. The literacy rate in the district of Mamit is 85.96 %. Agriculture and allied activities form the backbone of the economy of the district. The productivity under agriculture is low. The Agro-climatic conditions, fertile soil and abundant rainfall are favourable for horticultural fruits like oranges, banana, rubber, oil palm, arecanut and crops like paddy and vegetables like cabbage, cauliflower, tomatoes, leafy vegetables, ginger etc. The diversification of crops would increase the production and income of the growers, which would in turn boost the economy of the district. Arrangement for export of orange and squash may boost the economy of the district. The banking network comprise of six branches of Mizoram Rural Bank, three branches of commercial bank and one branch of Mizoram Cooperative Apex Bank. The CD Ratio of the banks in the district which was 39.09 in 2012-13improved to 52.38 in 2013-14 and 66.63 in 2014-15. Although the average achievement under Annual Credit Plan for the past three years stood at 83.06%, the achievement for 2014-15 was 185.90%. The total credit flow for the year 2014-15 under priority sector was Rs.1301.19lakh. The annual credit plan for the year 2015-16 envisages a credit flow of Rs.1625 lakh. Investment in agriculture is generally undertaken for acquiring physical assets that result in the creation of a stream of incremental income over a period of time. Capital formation through investment in agriculture helps in improving the stock of equipment, tools and productivity of resources employed, which, in turn, enables the farmers to use their resources, particularly land and labour, more productively. Creation of capital goods, thus, is necessary for raising productivity of existing resources and realizing the long-term growth potential. Therefore, the relationship between capital formation and thus agricultural growth and consequently poverty alleviation are very well documented. The Potential Linked Credit Plan for the year 2016-17 has been prepared keeping in view the projections made in the base PLP prepared for a five year period and updated with reference to the changes that have taken place in the various infrastructure facilities, demand for credit, priorities of the government for development of the different sub-sectors and reckoning the changes in the unit cost/scale of finance necessitating significant revision for specific sectors. Some of the major features are highlighted below: The credit potential estimated under Crop Loan during the year 2016-17 in Mamit district is Rs.530.76 lakh. For achieving this target, all the concerned departments and agencies (including banks) should have well-coordinated efforts for providing institutional credit and all other necessary support in order to achieve self-sufficiency in food grains production as envisaged under New Land Use Policy (NLUP) for improving the conditions of the farming community. All the crop loans should be disbursed through Kisan Credit Card (KCC) so that the farmers have access to timely and uninterrupted credit at the time of need. The government agencies as well as Banks should continue their awareness programmes on KCC. In order to meet the challenges of sustaining the population with food and shelter, planned efforts are to be made to increase agricultural productivity by increasing the irrigated area and land development. Credit potential for water resources sector has been worked out as Rs.23.69 lakh for the year 2016-17 and is given in Annexure I. The activities under water resources include pump set of 5 HP and Low Lift. Farm mechanisation, mainly for tractors and power tillers is projected to require a credit flow of Rs.133.50 lakh for Mamit district during 2016-17. Power Tillers are the appropriate FM devices in the district. There is less demand for tractors in the district in view of less availability of plain lands. Tractors can be used for transportation purposes. Horticulture is the main cash crop in the district. With the identification of Oil Palm, Arecanut and Rubber which are popular in the district, the horticulture and plantation development in the district has been estimated at Rs.217.67 lakh during 2016-17.
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EXECUTIVE SUMMARY Accelerating the pace of capital · PDF fileliteracy rate in the district of Mamit is 85.96 %. Agriculture and allied activities form the backbone of the economy
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PLP 2016-17 Mamit District
[1]
EXECUTIVE SUMMARY
"Accelerating the pace of capital formation in agriculture and allied sector”
Mamit district has three revenue sub-divisions viz. Mamit, West Phailang and Kawrthah and 3 rural development blocks Viz. Reiek, Zawlnuam and West Phailang. All the blocks comprise of hilly areas. The districts have 3 places of tourist attraction. The district is connected only by road with the State Head Quarter i.e. Aizawl. The normal rainfall in the district is 2200 mm. The district has a total population of 85757 as per 2011 census. The rural population is 82.73% and population of the urban is 17.27%. The population density in the district is 28 per sq.kms which is lowest in the State. The literacy rate in the district of Mamit is 85.96 %.
Agriculture and allied activities form the backbone of the economy of the district. The productivity under agriculture is low. The Agro-climatic conditions, fertile soil and abundant rainfall are favourable for horticultural fruits like oranges, banana, rubber, oil palm, arecanut and crops like paddy and vegetables like cabbage, cauliflower, tomatoes, leafy vegetables, ginger etc. The diversification of crops would increase the production and income of the growers, which would in turn boost the economy of the district. Arrangement for export of orange and squash may boost the economy of the district.
The banking network comprise of six branches of Mizoram Rural Bank, three branches of commercial bank and one branch of Mizoram Cooperative Apex Bank. The CD Ratio of the banks in the district which was 39.09 in 2012-13improved to 52.38 in 2013-14 and 66.63 in 2014-15. Although the average achievement under Annual Credit Plan for the past three years stood at 83.06%, the achievement for 2014-15 was 185.90%. The total credit flow for the year 2014-15 under priority sector was Rs.1301.19lakh. The annual credit plan for the year 2015-16 envisages a credit flow of Rs.1625 lakh.
Investment in agriculture is generally undertaken for acquiring physical assets that result in the creation of a stream of incremental income over a period of time. Capital formation through investment in agriculture helps in improving the stock of equipment, tools and productivity of resources employed, which, in turn, enables the farmers to use their resources, particularly land and labour, more productively. Creation of capital goods, thus, is necessary for raising productivity of existing resources and realizing the long-term growth potential. Therefore, the relationship between capital formation and thus agricultural growth and consequently poverty alleviation are very well documented.
The Potential Linked Credit Plan for the year 2016-17 has been prepared keeping in view the projections made in the base PLP prepared for a five year period and updated with reference to the changes that have taken place in the various infrastructure facilities, demand for credit, priorities of the government for development of the different sub-sectors and reckoning the changes in the unit cost/scale of finance necessitating significant revision for specific sectors. Some of the major features are highlighted below:
The credit potential estimated under Crop Loan during the year 2016-17 in Mamit district is Rs.530.76 lakh. For achieving this target, all the concerned departments and agencies (including banks) should have well-coordinated efforts for providing institutional credit and all other necessary support in order to achieve self-sufficiency in food grains production as envisaged under New Land Use Policy (NLUP) for improving the conditions of the farming community. All the crop loans should be disbursed through Kisan Credit Card (KCC) so that the farmers have access to timely and uninterrupted credit at the time of need. The government agencies as well as Banks should continue their awareness programmes on KCC.
In order to meet the challenges of sustaining the population with food and shelter, planned efforts are to be made to increase agricultural productivity by increasing the irrigated area and land development. Credit potential for water resources sector has been worked out as Rs.23.69 lakh for the year 2016-17 and is given in Annexure I. The activities under water resources include pump set of 5 HP and Low Lift.
Farm mechanisation, mainly for tractors and power tillers is projected to require a credit flow of Rs.133.50 lakh for Mamit district during 2016-17. Power Tillers are the appropriate FM devices in the district. There is less demand for tractors in the district in view of less availability of plain lands. Tractors can be used for transportation purposes.
Horticulture is the main cash crop in the district. With the identification of Oil Palm, Arecanut and Rubber which are popular in the district, the horticulture and plantation development in the district has been estimated at Rs.217.67 lakh during 2016-17.
PLP 2016-17 Mamit District
[2]
The Animal Husbandry sector has immense importance in the State of Mizoram. There is a great demand for Poultry Farming and Pig Meat. As such, piggery and poultry farming form the supplementary employment and income of the farmers, besides enabling reduction in the gap between demand and supply of different animal products in the district as well as the State. Accordingly, the potential for credit flow for 2016-17 has been projected at Rs.480.06 lakh under dairy development and Rs.68.04 lakh under poultry for Mamit district. For activities under sheep/goat/pig, Rs.372.64 lakh has been projected.
Fish Farming also supplement the income of the farmers. Fishery in the district has good scope for development as many fish farms are in existence in the district. There is a very good demand for fish in the district. Accordingly, projection for bank credit for the year 2016-17 has been made at Rs.95.62 lakh.
This year projections under Agriculture Infrastructure and Ancillary activities have been made separately. Thus projections for 2016-17 under Land Dev., Soil Conservation Rs.19.31 lakh and Others (Tissue culture, Agri. Bio-tech, seed projection etc.) Rs.43.20 lakh have been made. Similarly, projections under Ancillary activities including Food & Agro Processing activities have been made at Rs.113.40 lakh.
The aggregate credit requirement for agriculture and allied activities projected for the district is Rs.2097.88 lakh for the year 2016-17.
Under MSME sector, the projection is made at Rs.936.64 lakh where development is the necessity for employment generation. Industry serves as a support system to agriculture, specifically in respect of the processing facilities, which add value to the farm sector produce. People residing in Mamit district are also gradually picking up non-farm based activities in retail business, artisans, handicraft, handloom, readymade garments, transport operators & medical lab equipment business etc.
Under Education, Housing, Renewable energy and others sectors, the credit projections are Rs.27.00 lakh, Rs.558.00 lakh, Rs.12.47 lakh and Rs.232.50 lakh respectively for the year 2016-17.
The development interventions in the district are aided by Capital Investment Subsidy Schemes of GoI in respect of Animal Husbandry Schemes, Rural Godowns and Organic Farming etc. Government Sponsored Programmes & schemes like PMEGP, IAY, KVIC, RKVY, NFSM etc., also helped development of rural and urban poor in the district.
The development of women through the formation of SHGs and linkages with the bank is taken up through NGOs and SHPI supported by NABARD. They are projected to be the ideal developmental tool to ensure access to banking services in the years to come to lead to socio–economic empowerment of the women and the resultant all round development of the district.
Government of Mizoram has implemented an ambitious programme called New Land Use Policy (NLUP) in the State. The activities under NLUP are integrated development, wean away farmers from jhuming (shifting cultivation) practices to adopt sustainable on-farm and off-farm economic activities, introduction of commercial farming in place of subsistence farming/cultivation, improve income level of urban and rural poor through sustainable farming activities, micro enterprises, cottage industries, etc. to create food security for all and to restore ecological balance through rejuvenation of forest, improvement of land and water management, introduction of new forest and land management systems.
In order to improve the economic status of poor farmers, JLG scheme was formulated by NABARD and was introduced on a pilot basis in 8 States in 2004-05. The objectives of forming JLG is to augment credit flow to oral lessees, tenant farmers, share croppers, small farmers, marginal farmers, traders for extending collateral free loans through JLGs and building mutual trust between banks and farmers. JLG can be formed by NGOs, Farmers’ Clubs, KVKs, SAUs, Banks, Business Facilitators, etc. The benefits of forming JLGs are reduction in transaction cost, lower risk of recovery due to peer pressure, availability of timely credit to farmers/traders without collateral and savings in stamp duty.
The PLP on the whole has projected a credit requirement of the order of Rs.3864.50 lakh for the year 2016-17 for all the sectors viz. Agriculture & Allied, MSME, Education, Housing, Renewable Energy and Others. It shall be the endeavour of all the financial institutions, line departments, developmental agencies, NGOs, etc., to ensure adequate credit flow commensurate with the potentials identified in this document.
PLP 2016-17 Mamit District
[3]
Broad Sector wise PLP Projections 2016-17
(Rs. Lakh) Sr. No. Particulars
PLP Projections 2016-17
A Farm Credit i Crop Production, Maintenance and Marketing 530.76
ii Term Loan for agriculture and allied activities 1391.21 Sub Total 1921.97
B Agriculture Infrastructure 62.51 C Ancillary activities 113.40
I Credit Potential for Agriculture (A+B+C) 2097.88 II Micro, Small and Medium Enterprises 936.64 III Education 27.00 IV Housing 558.00 V Renewable Energy 12.47 VI Others 232.50 Total Priority Sector (I to VI) 3864.50
Agriculture Infrastructure (Rs.
62.51 lakh)2%
Ancillary activities (Rs. 113.40 lakh)
3%
MSME (Rs. 936.64 lakh)24%
Education (Rs. 27.00 lakh)1%
Housing (Rs. 558.00 lakh)14%
Renewable Energy (Rs. 12.47 lakh)
0%
Others (Rs. 232.50 lakh)6%
PLP Projections 2016-17
PLP 2016-17 Mamit District
[4]
Summary of Sector / Sub-sector wise PLP projections - 2016-17
(Rs. Lakh) Sr. No.
Particulars PLP Projections 2016-17
I Credit Potential for Agriculture
A Farm Credit
i Crop Production, Maintenance and Marketing 530.76
ii Water Resources 23.69
iii Farm Mechanisation 133.50
iv Plantation and Horticulture (including sericulture) 217.67 v Animal Husbandry – Dairy 480.06
vi Animal Husbandry – Poultry 68.04
vii Animal Husbandry – Sheep, Goat, Piggery, etc. 372.64
viii Fisheries (Marine, Inland, Brackish water) 95.62
Sub Total 1921.97 B Agriculture Infrastructure
i Land development, Soil conservation, Watershed development
19.31
ii Others (Tissue culture, Agri bio-technology, Seed production, Bio pesticides/ fertilizers, Vermin composting)
43.20
Sub Total 62.51 C Ancillary activities
i Food and Agro processing 113.40
Sub Total 113.40 Total Agriculture (A+B+C) 2097.88 II Micro, Small and Medium Enterprises
i MSME – Investment Credit 711.64
ii MSME – Working Capital 225.00
Total MSME 936.64 III Education 27.00
IV Housing 558.00 V Renewable Energy 12.47
VI Others (Loans to SHGs/ JLGs, loans to distressed persons to prepay non-institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST)
232.50
Total Priority Sector (I to VI) 3864.50
PLP 2016-17 Mamit District
[5]
PLP 2016-17 Mamit District
[6]
District - Division -
302633
8787
302575 Normal 2011 2012 2013249742 2200 2344 2255 2510
9374 144 55 310200 Balance
4050 NA675
476519117 Nos. % to Total Ha. % to Total14652 3064 30 2054 1414866 4511 45 5771 39
214 2573 25 6929 47101 10148 100 14754 100
28669 Total Male Female Rural UrbanNA 85757 44221 41536 71465 14292
2553 51 42 9 NA NA262 82080 42075 40005 NA NANA 60191 32977 27214 48174 12017
7855 NA NA NA NA NA
17 7 1214 2 15NA 6 6
74 254 NANA 7 137 33 13087NA NA NA33 498.20 NA78 NA NANA NA NA
NA NA24770 NA 20
NA NA 1888NA 1 NANA 324 NANA NIL NANA NA NIL888 NA -
No of units Cap.[MT]NA NA Area (Ha) Prod. (MT) Area (Ha) Prod. (MT)NA NA 3745 4241 3138 4059 1206NA NA 664 1245 770 1144 16661 NA 383 394 552 580 1042
NA NA 102 73 110 116 892NA NA 42 252 67 501 6908NA NA 29 58 33 60 1903NA NA NA NA 49 432 8816NA NA
Category of animal Total Male Female 3 NACattle - Cross bred 0.65 NA NA 12 NACattle - Indigenous 2 NA NA NIL NABuffaloes 0.1 NA NA NIL 1Sheep - Cross bred NA NA NA NA NASheep - Indigenous 0.2 NA NA NA 1Goat 4 NA NA NIL NAPig - Cross bred 22 NA NAPig - Indigenous 4 NA NA Fish 1383 44Horse/Donkey/Camel 0.01 NA NA Egg 38 44Poultry - Cross bred 87 NA NA Milk 237 8Poultry - Indigenous NA NA NA Meat 746 24
19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITYProduction [MT] Per cap avail. [gm/day]Production [Lakh Nos] Per cap avail. [nos/p.a.]
Production [MT] Per cap avail. [gm/day]
Sources (if not mentioned against the respective item):
Census 2011, Statistical Abstract Mizoram2013, Agriculture Statistical Abstract 2013-14, Statistical Handbook Mizoram 2014, Reprort on Annual Production of Milk, Eggs & Meat 2012-13 (AH)
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
Area irrigated by Wells Length of Pucca Road [Km] Godown [Nos]
Avg. Yield [Kg/Ha]
Area irrigated by Tanks Length of Railway Line [Km] Godown Capacity[MT]Area irrigated by Other Sources Public Transport Vehicle [Nos] Cold Storage [Nos]
Area irrigated by Canals / Channels Rural/Urban Mandi/Haat [Nos] Wholesale Market [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] 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]
Villages having Primary Health Centres Total N/P/K Consumption [Tonnes] Pumpsets Energised [Nos]
Villages having Banking Facilities 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTUREVillages having Primary Schools Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos]
Villages having Agriculture Power Supply Primary Health Centres HospitalsVillages having Post Offices Primary Health Sub-Centres Hospital Beds
10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos]Villages Electrified Anganwadis Dispensaries
Rural Households Having source of drinking water Having independent toiletsHaving access to banking services Having tv setsBPL Households
Total Households Having brick/stone/concrete houses Having electricity supply
Scheduled CasteWorkers engaged in Household Industries Scheduled Tribe
31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%)Commercial Banks NA NA NA NA NA 447400 529601 377300 -16 40.0Regional Rural Bank NA NA NA NA NA 449000 421151 458800 2 48.7Cooperative Banks - - - - - 22243 21957 106200 377 11.3Others - - - - - - - - - -All Agencies - - - - - 918643 972709 942300 3 100.0
31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%)Commercial Banks NA NA NA NA NA 133800 211003 151100 13 24.1Regional Rural Bank NA NA NA NA NA 171700 241117 413900 141 65.9
31-Mar-13 31-Mar-14 31-Mar-15 Deposit Credit Deposit CreditCommercial Banks 29.91 39.84 40.05 NA NA NA NARegional Rural Bank 38.24 57.25 90.21 NA NA NA NACooperative Banks 241.06 261.21 59.23 NA NA NA NAOthers - - - - - - -All Agencies 39.09 52.38 66.63 NA NA NA NA
Commercial Banks 15468 2.5 7093 1.1 NA NA NA NA NA NARegional Rural Bank 94334 15.0 4028 0.6 NA NA NA NA NA NACooperative Banks 20317 3.2 1590 0.3 NA NA NA NA NA NAOthers - - - - - - - - - -All Agencies 130119 20.7 12711 2.0 NA NA NA NA NA NA
Commercial Banks NA NA NA NA NA NA NA NA NA NARegional Rural Bank NA NA NA NA NA NA NA NA NA NACooperative Banks NA NA NA NA NA NA NA NA NA NAOthers - - - - - - - - -All Agencies NA NA NA NA NA NA NA NA NA NA
Sources : Lead Bank & SLBC
2012-13
Recovery [%]
Demand [`. '000]
Recovery [`. '000]
Recovery [%]
Demand [`. '000]
Recovery [`. '000]
Demand [`. '000]
Recovery [`. '000]
9. RECOVERY POSITION
Agency2012-13 2013-14 2014-15 Average
Rec. [%] in last 3 years
Recovery [%]
Broad Sector2013-14 2014-15
Ach'ment [%]
Target [`.'000]
Ach'ment [`. '000]
Ach'ment [%]
Target [`.'000]
Ach'ment [`. '000]
Ach'ment [%]
Average Ach[%] in last 3 years
Target [`.'000]
Ach'ment [`. '000]
Target [`.'000]
Target [`.'000]
Ach'ment [`. '000]
Ach'ment [`. '000]
Ach'ment [%]
Ach'ment [%]
8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS
7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS
Agency2013-14 2014-15 Average
Ach[%] in last 3 years
Target [`.'000]
Ach'ment [`. '000]
Ach'ment [%]
2012-13
AgencyPriority Sector Loans Loans to Agr. Sector Loans to Weaker Sections
Amount [`.'000]
% of Total Loans
Amount [`.'000]
% of Total Loans
Loans under DRI Scheme Loans to WomenAmount [`.'000]
% of Total Loans
Amount [`.'000]
% of Total Loans
Amount [`.'000]
% of Total Loans
6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015)
4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs)
AgencyCD Ratio
AgencyDuring 2014-15 Cumulative
Commercial BanksRegional Rural Bank
No. of Branches No. of non-formal agencies assoiated
No. of accounts Amount of Deposit [`.'000]
Per Branch Outreach
2. DEPOSITS OUTSTANDING
AgencyNo. of
Banks/Soc.
Agency
3. LOANS & ADVANCES OUTSTANDING
All Agencies
Cooperative BanksOthers
AgencyNo. of accounts Amount of Loan [`.'000]
1. NETWORK & OUTREACH (As on 31/03/2015)
Banking ProfileMAMIT MIZORAM Lead Bank : STATE BANK OF INDIA