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

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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

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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

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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

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PLP 2016-17 Mamit District

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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)

Poultry hatcheries [Nos]

Animal Markets [Nos]Disease Diagnostic Centres [Nos] Milk Collection Centres

[Nos]

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

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

Improved Fodder Farms [Nos] Slaughter houses [Nos]

Oilseeds

Dairy Cooperative Societies [Nos]

Animal feed (Cattle/Poultry/Fishmeal)17. ANIMAL POPULATION AS PER CENSUS 2012 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES

Artificial Insemination Centers [Nos]

Milk (Chilling/Cooling/Processing) Tapioca

Dry-fruit (Cashew/Almond/Raisins)

Veterinary Hospitals/Dispensaries [Nos]

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

Meat (Chicken/Motton/Pork/Dryfish) Potato

Cotton (Ginnining/Spinning/Weaving)

Sugarcane (Gur/Khandsari/Sugar) Rice/PaddyFruit (Pulp/Juice/Fruit drink) MaizeSpices (Masala Powders/Pastes) Pulses

Sugarcane

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

Type of Processing ActivityCrop

2012-13 2013-14Food (Rice/Flour/Dal/Oil/Tea/Coffee)

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

BPL8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households]

Holding

6. WORKERS PROFILE [Nos.]

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

Net Sown Area

Workers engaged in Allied Agro-activities Literate

Of the above, Small/Marginal Farmers PopulationAgricultural Labourers

Other workers

NA

7. DEMOGRAPHIC PROFILE [ Nos]Cultivators Category

Cropping Inensity [GCA/NSA] Total

Culturable Wasteland 5. DISTRIBUTION OF LAND HOLDINGCurrent Fallow

Classification of Holding

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

AreaOther Fallow

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

Net annual recharge Net annual draftLand under Miscellaneous Tree Crops NA

Total Area ReportedRainfall [in mm]

ActualForest LandArea Not Available for Cultivation Variation from Normal

No. of Villages (Inhabited)Soil Type

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATETotal Geographical Area (Sq.km)

Tempered

FertileNo. of Panchayats (Village Council)

Agro-climatic Zone Sub-TropicalNo. of Sub DivisionsNo. of Blocks Climate

District ProfileMAMIT State - MIZORAM -

PLP 2016-17 Mamit District

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District : State :

Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages HouseholdsCommercial Banks 3 3 3 - - - - - 26 5161Regional Rural Bank 6 6 6 - - - - - 52 10322State Coop. Bank 1 1 1 - - - - - 9 1721Coop. Agr. & Rural Dev. Bank - - - - - - - - - -Primary Agr. Coop. Society NA NA NA NA - - - - - -Others - - - - - 2 - - - -All Agencies 10 10 10 0 0 2 0 0 87 17204

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

Cooperative Banks - - - - - 53619 57354 62900 17 10.0Others - - - - - - - - - -All Agencies - - - - - 359119 509474 627900 75 100.0

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 84272 28387 33.7 53000 9766 18.4 23300 15468 66.4 39.5Regional Rural Bank 158492 85115 53.7 114000 12286 10.8 14700 94334 641.7 235.4Cooperative Banks 35422 11126 31.4 19000 15250 80.3 32000 20317 63.5 58.4Others - - - - - - - - - -All Agencies 278186 124628 44.8 186000 37302 20.1 70000 130119 185.9 83.6

Crop Loan 63730 37200 58.4 16000 7585 47.4 21800 9653 44.3 50.0Term Loan (Agr) 153271 22256 14.5 66000 2400 3.6 12700 3058 24.1 14.1Total Agri. Credit 217001 59456 27.4 82000 9985 12.2 34500 12711 36.8 25.5Non-Farm Sector 14070 9354 66.5 26500 3198 12.1 4500 15600 346.7 141.7Other Priority Sector 47115 55818 118.5 77500 24119 31.1 31000 101808 328.4 159.3Total Priority Sector 278186 124628 44.8 186000 37302 20.1 70000 130119 185.9 83.6

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