PLP 2016-17 East Godavari

1

EXECUTIVE SUMMARY

The role of credit planning has assumed greater significance at a juncture when the focus is on technological up-gradation and commercialization of agriculture for improving its profitability thereby assuring a decent livelihood to the large section of population dependent on it. NABARD in the year 2012-13 had prepared Base PLP for five years coterminous with the 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, agricultural practices and other developmental indices such as access to markets, etc. Some of these parameters may have undergone changes due to change in Governments priorities and policies, change in RBI guidelines on priority sector finance, strengthening of rural infrastructure, market forces, cost escalation, etc., necessitating a relook at the current potential for the year 2016-17. Considering these aspects the potentials were assessed.

The theme for the current PLP is “Accelerating the pace of capital formation in agriculture and allied sector”

East Godavari district is located in the North Coastal part of Andhra Pradesh. The district shares its boundaries with Visakhapatnam and West Godavari districts of AP and Khammam district of Telangana, Chattisgarh, Odisha states and Bay of Bengal. The district is known as rice bowl of Andhra Pradesh with lush paddy fields and coconut groves. The Headquarters of the district is located at Kakinada. The major crop grown in the district is Paddy. Maize crop is grown both in Kharif and Rabi. Black Gram & Green Gram are the major crops grown under Pulses in both Kharif and Rabi in East Godavari district. Under Oil Seeds, major crops grown are Sesamum and Ground Nut in both Kharif & Rabi. East Godavari ranks 1st in area and in production of coconut in Andhra Pradesh.

The district has 45 banks with 713 branches in addition to 293 PACS of Kakinada Cooperative Central Bank Ltd and 3 PACs of Khammam District Central Cooperative Bank Ltd. The CD ratio of the district was 133%, but the factor which is of concern is the low share of term loans in total lending. Crop loan portfolio is growing at a healthy rate but the lending to term loans is on decline. Priority sector advances and Agricultural advances account for 88% and 70% of net bank credit, respectively as on 31 March 2015.

Crop Production, Maintenance and Marketing

During the year 2014-15, paddy was cultivated in about 3.95 lakh ha. Of the total farmers in the district, the no. of small and marginal farmers are 92% and the balance is other farmers. The scales of finance were last fixed during 2014-15 and the same is in vogue as of now. For the current PLP the total area which requires loan is assessed at 6.62 lakh ha (including a

potential of 50,000 ha for third crop) considering the trends the potentials were worked out. The revised KCC norms were considered while arriving at crop loan projections and accordingly, the projection for 2016-17 worked out to `6715 crore.

Investment credit for Agriculture

Minor Irrigation: The area available for irrigation in the district is 3.82 lakh ha. of which, about 2.87 lakh hectares (75%) are covered by surface water irrigation. At present, about 64459 ha. of area is covered by ground water structures which are only 22% of the net irrigated area and 14.5% of the net cropped area of 4.37 lakh ha. Utilisation of ground water

PLP 2016-17 East Godavari

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resources assumes crucial importance for improving the agricultural production in the upland and tribal areas. Out of 64 mandals, 1 is over exploited (Gandepalli), 3 are semi critical (Peddapuram, Rajanagaram & Rangampet) and rest are safe. The projection for 2016-17 was arrived as `111.60 crore. Release of canal water by 15 May is one of the major demand of farmers.

Farm Mechanization: The recent trends indicate that the demand for mechanizing transplantation and harvesting operations by use of transplanters, combine harvestors and use of small tractors has been increasing, besides that of tractors and power tillers. After introduction of direct seeding of paddy, demand for Drum seeders is also increasing. The increased labour wages coupled with need to attend farm operations in time increased demand for farm equipment. The potential for the year 2016-17 has been projected as `275.66 crore. Supplying high cost farm machinery at subsidy is one of the major demands of farmers.

Plantation and Horticulture: East Godavari district occupies a prominent place in growing various horticultural crops. The total area under horticultural crops including vegetables in the district is 2,08,358 ha. Among the fruit and plantation crops, important crops grown in the district are coconut, mango and cashew nut. The area under coconut is mostly concentrated in Konaseema and eastern delta. Kadiam mandal in the district is known for both fruit and ornamental nurseries. There is potential to bring additional areas under these crops. The major constraints for Horticulture Development in the district are increased labour costs, unremunerative prices, improper marketing systems especially in Mango and lack of modern processing units and marketing facilities. In order to support this sector, the potential for the year 2016-17 has been projected as `65.48 cr.

Animal Husbandry: As per the latest provisional Livestock Census 2012 the district had 3.77 lakh cattle and 6.42 lakh buffalos. Out of this, the female cattle and buffalo population above three years age in the district was 1.55 lakh and 3.73 lakh respectively offering very good potential for dairy development in the district. 29 more graduate veterinary dispensaries are to be established in the district to achieve the National Commission on Agriculture norm. The milk production in the district has been estimated as 8.60 lakh M.T i.e. 23.5 Lakh litres per day. The procurement by organised sector is 3.2 lakh litres per day i.e 13.6% of production which is much below state average of 19% and country average of 30%. Major constraints in milk procurement are presence of large number of milk vendors, inadequate number of Automatic Milk Collection centres and as a result low remunerative prices paid to milk producers.

As per 2012 provisional Livestock Census, the total poultry population of the district stood at 138 lakh. Among the hybrid birds, the population of layers is estimated to be 103 lakh and that of broilers is 18.04 lakh birds. There is a need to establish hygienic dressing plants and Slaughter houses for hygienic meat production. The potential for the year 2016-17 has been projected for Dairy, Poultry and Sheep/Goat as `291.96 cr, `249.94 cr, and `30.90 cr respectively. In case of poultry more than 50% is towards meeting working capital requirements of existing units. Various types of infrastructure are included in agriculture infrastructure.

Fisheries: East Godavari district has got a coastline of 161 km. with 99 fishing villages/ habitations and occupies a very important place in the fisheries map of Andhra Pradesh. The district is endowed with rich marine, inland and brackish water resources. The Kakinada fishing harbor is the hub for marine fishing activity. A mini fishing harbor is being planned at Antarvedi. The fish production during 2014-15 has been estimated as 159807 M.T. The district is having very good network of fishermen Cooperative Societies. About 90% of the

PLP 2016-17 East Godavari

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fish produced in the district is sent to Kolkata market. Supply of SPF shrimp seed is the need of the sector. The potential for the year 2016-17 has been projected as `248.52 crore of which 93% is towards meeting the working capital requirements. Various types of fishing vessels and gear are included in agriculture infrastructure.

Agriculture Infrastructure

Storage & Market Yards: There are 19 Agricultural Market Committees (AMC) in the district, of which, 12 AMCs have acquired sites and provided infrastructural facilities like Auction Platforms, Godowns, Shopping Complex, Rythu Rest House, Covered platforms etc. for the assistance of farmers who have come to sell their produce. Total godown and cold storage space required is 12.00 lakh M.T and 2.57 lakh M.T respectively. The availability is 8.00 lakh M.T (godowns) and 0.17 lakh M.T (cold storage). Hence there is potential to construct godowns of about 4 lakh M.T and cold storage of 2.40 lakh M.T. The potential for the year 2016-17 has been projected as `61.76 crore. Farmers are demanding direct purchase of paddy by the Government through FCI etc.

Land Development, Soil Conservation and Watershed Development: The district is having a geographical area of 12,81,200 ha. of which 51,050 ha. is degraded land. The main soils in the district are Alluvial (Clay loamy) Red Soils, Sandy Loams and Sandy Clay. The potential for the year 2016-17 has been projected as `66.47 Crore. Convergence of NREGS with crop production is need of the hour. Identifying drainage areas and removing unauthorised occupations on the drains and drainage clearance are some of the major demands of farmers.

Other Agriculture Infrastructure: The other agriculture infrastructure that can be useful for agriculture ranges from simple to very complicated infrastructure for different activities like Animal Husbandry (milking , milk procurement, poultry processing and sheep and goat infrastructure), fisheries( various types of boats and gear, processing infrastructure) tissue culture, Agri-bio-technology, Seed production, bio-pesticides/fertilisers and vermi composting. The potential for the year 2016-17 has been projected as `74.65 Crore.

Ancillary Activities

Food and Agro Processing: Post-harvest and marketing infrastructure, including grading, packaging, transportation and storage, needs to be created on a large scale. Value addition and processing industries offer tremendous opportunities for income and growth, and would provide the much needed thrust in the growth of food processing industry. East Godavari occupies prime place in the state with respect to some of the commodities which can be processed. Most of the activities projected will help in preservation, increasing the shelf life and better marketability of the produce. The potential for the year 2016-17 has been projected as `142.40 Crore.

Credit for MSME Activities

East Godavari has good potential for development of industrial activities due to abundance of Natural resources i.e. agricultural produce, forest produce, minerals, livestock and fisheries resources. Food and agro-based industries, forest based industries, electricals and engineering industries constitute nearly 75% of the total MSME sector. The ceramic, Graphite Crucibles, Mangalore Tiles, Sago, Aluminum utensils are prominent in Small Enterprise sector. Among the Large and Medium scale Enterprises the notable units are Sugar, Paper, Spinning Mills, Solvent Extraction plants, Auto Components, and Tapioca

PLP 2016-17 East Godavari

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besides two agro input major Fertilizer plants. The district has large deposits of Bauxite, Graphite, Clay and Oil and Natural gas.

East Godavari district is basically agrarian district and hence there is a large scope for agro processing industries. Agro processing in the district can take care of major crops like Paddy, Sugar Cane, Coconut, Tapioca, Cashew, Mango etc., and also fisheries sector. There are 33 sago factories with a total processing capacity of 5000 to 8000 M.T per season procuring Tapioca from the district. There are 21 Cashew Industries in and around Tuni and Rajahmundry. 50 rice mills have established Sortex machines and Steam Dryers where the value of each mill turnover is ranging between 10 Crores and 40 Crores and some units are making a turnover of 100 to 150 Crores. Some Paper Mills are processing Straw and Baggassi. About 400 units are existing in Coir sector where Coir fibre extraction and Curled Coir is taking place. 200 Mango Jelly units are working and almost producing 5000 tonnes of Mango Jelly during the season in and around Kakinada. About 5 Shrimp Processing units are working at Kakinada and Ravulapalem. Two Buffalo meat processing units are working in this district. Many Poultries and Poultry Feed, Fish Feed and Aqua Feed and Shrimp Hatcheries are established in the district. East Godavari has enormous potential for processing Cashew Fenny, distilleries out of Sago, Seed Processing, Packaging Industry, Dairy, Pickles, Cereals and Pulses, processing. Lack of power and infrastructural bottlenecks impeded growth in Non Farm Sector, but the situation is improving gradually. Working capital as well as term loan requirements for the sector were worked and the potential for the year 2016-17 has been projected as `2113.08 cr.

Export Credit: East Godavari plays a major role in export trade due to the availability of Kakinada Port, oil refineries, petrochemicals, aqua culture, etc., One SEZ which was announced long back is being made functional now and there is huge scope for various export oriented units in this SEZ. Keeping these aspects the potential for the year 2016-17 has been projected as `281.25 cr.

Education Loans: In east Godavari district there are 159 private Junior and Degree Colleges, 32 Engineering colleges, 3 medical colleges, 2 dental colleges, one homeo college, 8 management colleges, 5 polytechnics and one catering college. These colleges in the district offer vast potential for students to pursue their education. Large number of students goes abroad for higher education. The potential for the year 2016-17 has been projected as `140.25 cr.

Other Priority Sector

The Other Priority Sector activities viz., trade and services, transport operators, retail trade, small business, housing are considered vital for the development of overall economy as they provide backward and forward linkages to other sectors. Besides this other activities like loans to professionals and self-employed, loans for education and housing purpose and consumption loans are equally important for the development of society. The potential for the year 2016-17 has been estimated as `597.57 cr.

Infrastructure Support

The district compares well with the state average against almost all important infrastructure indicators. Though all the villages are electrified the per capita consumption of power is very low when compared to the state average. In most of the villages the power supply is erratic. The road density of the district is more than the State average. However, out of 3191 km. of village roads, 2003 km. length is unmetalled. These village roads accounts for nearly 37% of the total roads available in the district. The coverage by the agricultural

PLP 2016-17 East Godavari

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market committees is satisfactory. 67.13% of Gross cropped area is irrigated, which is much more than state average. Communication is comparable to state average. Literacy rate is more than state average. The position of the district in health services is fairly better when compared to the State. However, no. of hospitals per lakh population is less than state average.

Area Based Schemes

The district has good potential to take up area based schemes in farm as well as non farm sector activities. The farm sector activities include dairy, sheep, fisheries, sericulture etc. Non-farm sector activities are solar lighting for weavers, processing units for mango jelly, pickles, traditional sweets, cashew collection and processing, coir processing, etc. Keeping the aspects of existing animal health services and procurement network, it is proposed to take up a calf rearing scheme in agency mandals of the state. The existing cultivated areas as well as new areas which are being brought into cultivation requires land development activities in terms of bunding land levelling, provision of outlets. Similarly there is good scope to improve the productivity of lands by applying tank silt to the cultivated lands. In some pockets of the district where the problem of improper drainage exists, the lands needs to reclaimated to make them suitable for better productivity. Keeping these aspects in view a suitable area based scheme will be prepared in consultation with Kakinada DCCB and Chaitanya Godavari Grameena Bank.

Role of Informal Credit Delivery System

There are more than 85,000 SHGs in the district as on 31.3.2015 in rural areas. During the current year a target of `1730 crore is fixed as target to cover 45523 SHGs. The major impediments in SHG-BLP programme from the beneficiary side include lack of records, raising overdues, availing loans mostly for meeting social needs. Lending for income generating assets and creation of forward and backward linkages for various income generating activities are the need of the hour. DRDA is focusing on financing for income generating activities during 2015-16. As per the number of groups recycled for bank loan and likely number of fresh groups, for bank finance and the potential has been projected for the year 2016-17 as `2091 cr. The state government is providing Loan Eligibility Cards for the lessee farmers and about 1,75,000 such cards are planned for the year 2015-16 by district administration.

As discussed above, the district is endowed with natural resources, water transport system, horticulture crops, poultry and fishery activities. Majority of the produce is marketed outside the district and the processing levels of these produce are minimum. Farmers are concentrating on paddy cultivation under traditional practices. Diversification from paddy and converting to modern methods of cultivation are the need of the hour in paddy. Primary processing need to be improved in other produce. The coverage of population by banks are good in the district, there is still untapped potential which can be tapped with the help of BC/BF so as to increase the deposit collection as well as advances in the district. The reporting system from banks needs to be reviewed at SLBC/NABARD level so as to bring out a common format for various reportings at field level.

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Crop Prdn50.19%

Agri Infra1.52%

MSME15.79%

Export2.10%

TL for agri/allied21.15%

Education 1.05%

Housing3.26%

Others 4.47%

Renewable0.06%

Social Infra0.40%

Broad Sector wise PLP projections - 2016-17

(` lakh)

Sr. No. Particulars PLP Projections 2016-17

A Farm Credit

(i) Crop Production, Maintenance and Marketing 671,528.37

(ii) Term Loan for agriculture and allied activities 282,995.26

Sub Total 955,357.20

B Agriculture Infrastructure 20,289.42

C Ancillary activities 14,315.21

I Credit Potential for Agriculture (A+B+C) 989,128.27

II Micro, Small and Medium Enterprises 211,308.95

III Export Credit 28,125.00

IV Education 14,025.00

V Housing 43,661.25

VI Renewable Energy 773.72

VII Others 59,757.13

VIII Social Infrastructure involving bank credit 5,400.00

Total Priority Sector (I to VIII) 1352,179.26

PLP 2016-17 East Godavari

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Summary of Sector / Sub-sector wise PLP projections - 2016-17

(` lakh) No. Particulars Projections 2016-17

Credit Potential for Agriculture A Farm Credit

(i) Crop Production, Maintenance and Marketing 671528.37

(ii) Water Resources 11160.38

(iii) Farm Mechanisation 27566.44

(iv) Plantation and Horticulture (including

sericulture)

6548.89

(v) Forestry and Wasteland Development 332.22

(vi) Animal Husbandry-Dairy 29196.88

(vii) Animal Husbandry- Poultry 24994.28

(viii) Animal Husbandry- Sheep, Goat, Piggery, etc 3090.67

(ix) Fisheries (Marine, Inland, Brackish water) 24852.2

(x) Others- Bullock cart, SHGs-FS, etc. 155253.28

Sub Total 282995.26 B Agriculture Infrastructure

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

6176.78

(ii) Land Development, Soil Conservation, Watershed Development

6646.88

(iii) Others (Tissue Culture, Agri bio-technology, Seed Production Bio pesticides/fertilisers, vermin composting)

7465.77

Sub Total 20289.42 C Ancillary activities

(i) Food and Agro processing 14240.21 (ii) Others (Loans to Cooperative Societies of farmers

for disposing of their produce, ACABC, Loans to PACS/FSS/LAMPS, Loans to MFIs for on lending)

75

Sub Total 14315.21 I Total Agriculture 989128.27 II Micro, Small and Medium Enterprises

MSME- Working Capital 111921.9

MSME- Investment Credit 99387.08

Total MSME 211308.95

III Export Credit 28125

IV Education 14025

V Housing 43661.25

VI Renewable Energy 773.72

VII Others (Loans to SHGs/JLGs, Loans to distressed persons to prepay non-institutional lenders, PMJDY, Loans to state sponsored organisations for SC/ST)

59757.13

VIII Social Infrastructure involving bank credit 5400

Total Priority Sector (I to VIII) 1352179.26

Major Crops/ Activities Production (in Million MTs.)

Rice

1.10

Milk

0.86

Sugarcane

1.11

Fish

0.16

Vegetables

0.55

Egg

4453.68

Mln Nos.

Coconut

729.96

Mln No. nuts

Total Geographic Area : 12812 sq km

Coastline : 100 km

Gross Cropped Area : 738,072 Ha

River : Godavari, Pampa

Percentage area under

agri and allied activities : 67.88%

At a Glance

Agricultural Research Stations

Grikapadu, Machilipatanam, Vuyyuru & Ghantasala

Mango Research Station

Nuziveedu

PLP 2016-17 East Godavari

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District - Division -

12812

7

64

1745

1320

1281200 Normal 2012-13 2013-142014-15

474268 1217 1511 1080

155234 24.16% -11.26%

21444 Balance

8644 161478

17342

36998

45773 Nos. % to Total Ha. % to Total

437448 520787 79 19199 37

738072 87744 13 122022 23

289398 55215 8 208430 40

1.69 663746 522371

168363 Total Male Female Rural Urban

NA 5286 2633 2652 3972 1395

1366008 947 474 782 NA NA

69340 297 145 152 NA NA

NA 3348 1748 1598 2389 958

835532 NA NA NA NA NA

1444233 NA 1395

1099867 NA NA

381198 NA NA

1594 4847 31

1344 86 4

709 15 2009

162

1277 2286 20526

328 298000 12368

172 183818 NA

1344 55 5

7281 700

381794 NA 165

287458 NA 1

287458

337721

112465 5904 177

37839 171 764000

13599 835 6

501631 21752 17000

No of units Cap.[MT]

990 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT)

2 10 lakh M.T 339094 1176815 401056 1101906 2748

750 Mango jelly1000 M.T 33559 13265 27791 12450 448

Nil 31179 4342 22066 7606 345

NA 12618 1069560 13909 1111275 79896

3 12439 124228 11343 208870 18414

3 8535 55744 9980 73597 7374

3 47585 719961000nuts 49516 729964872nuts 14742nuts

1

Category of animal Total Male Female 167 3

Cattle - Cross bred 92 15 76 1 736

Cattle - Indigenous 201 82 119 415 563

Buffaloes 685 90 595 Nil 98

Sheep - Cross bred Nil 3 NA

Sheep - Indigenous 161 47 114 17 Nil

Goat 200 53 147 1 22

Pig - Cross bred 4 2 3

Pig - Indigenous 23 9 14 Fish 159807 85

Horse/Donkey/Camel 1 NA NA Egg 42987 834

Poultry - Cross bred 15882 NA NA Milk 860000 457

Poultry - Indigenous 1824 NA NA Meat 44000 23

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

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

Sources (if not mentioned against the

respective item):

Item Nos. 1, 6, 7, 8- census 2011; Item No. 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. 15 -

District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census 2007; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat. For sr nos at 5, 6 10, 11,

12, 14, 15, 16, 17, 18 and 19 the data for four added mandals is yet to be consolidated.

Improved Fodder Farms [Nos] Slaughter houses [Nos]

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

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

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

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

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

Dairy Cooperative Societies [Nos] Poultry hatcheries [Nos]

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

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

Artificial Insemination Centers [Nos] Fishermen Societies [Nos]

Meat (Chicken/Motton/Pork/Dryfish) Coconut (nuts)

Animal feed (Cattle/Poultry/Fishmeal) Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India)

17. ANIMAL POPULATION AS PER CENSUS 2007 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES

Dry-fruit (Cashew/Almond/Raisins) Sugarcane

Cotton (Ginnining/Spinning/Weaving) Tapioca

Milk (Chilling/Cooling/Processing) Maize

Sugarcane (Gur/Khandsari/Sugar) Paddy

Fruit (Pulp/Juice/Fruit drink) Green gram

Spices (Masala Powders/Pastes) Black gram

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

Type of Processing ActivityCrop

2011-12 2012-13 Avg. Yield

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

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

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

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

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

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

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

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 Banking Facilities 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE

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]

Villages having Agriculture Power Supply Primary Health Centres Hospitals

Villages having Post Offices Primary Health Sub-Centres Hospital Beds

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

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

Villages Electrified Anganwadis Dispensaries

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

Rural Households Having source of drinking water Having independent toilets

Workers engaged in Allied Agro-activities Literate

Other workers BPL

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

Of the above, Small/Marginal Farmers Population

Agricultural Labourers Scheduled Caste

Workers engaged in Household Industries Scheduled Tribe

Cropping Inensity [GCA/NSA] Total

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

Cultivators Category

Net Sown Area <= 1 Ha

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

Area Cultivated More than Once >2 Ha

Cultivable Wasteland 5. DISTRIBUTION OF LAND HOLDING

Current FallowClassification of Holding

Holding Area

Other Fallow

Permanent Pasture and Grazing Land Availability of Ground Water

[Ham]

Net annual recharge Net annual draft

Land under Miscellaneous Tree Crops 202030 40552

Total Area Reported

Rainfall [in mm]Actual

Forest Land

Area Not Available for Cultivation Variation from Normal

No. of Villages (Total)Soil Type Alluvial, Red soils, Sandy Loams and Clay Loams

No. of Panchayats (notified)

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

Total Geographical Area (Sq.km)Agro-climatic Zones 4

No. of Sub Divisions

No. of Blocks Climate Warm Humid

District Profile

East Godavari State - Andhra Pradesh Costal Andhra

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE

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District - State -

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

Commercial Banks 42 621 217 201 203 12 74893

Regional Rural Bank 2 42 27 11 4 4578

District Central Coop. Bank 1 50 40 7 3 0

Coop. Agr. & Rural Dev. Bank Nil

Primary Agr. Coop. Society 296 296 296

Others 1 1 2

All Agencies 342 1010 580 219 212 12 79471 1 1430

Mar 31, 13 Mar 31, 14 Mar 31, 15 Growth(%) Share(%) Mar 31, 13 Mar 31, 14 Mar 31, 15 Growth(%) Share(%)

Commercial Banks NA 4365396 5263446 21% 92 127957500 149010069 169180542 32 95

Regional Rural Bank NA 209986 248553 18% 4 2459900 3441811 4827351 96 3

Cooperative Banks NA 138810 226053 63% 4 4198600 4583320 4862375 16 3

Others

All Agencies NA 4714192 5738052 22% 100 134616000 157035200 178870268 33 100

Mar 31, 13 Mar 31, 14 Mar 31, 15 Growth(%) Share(%) Mar 31, 13 Mar 31, 14 Mar 31, 15 Growth(%) Share(%)

Commercial Banks NA 3683881 2067720 -44% 89 169368200 209815259 224700833 7 94

Regional Rural Bank NA 57987 57849 0% 2.48 2828500 2930191 3443127 18 1

Cooperative Banks NA 208579 202984 -3% 9 9003800 9769550 9709666 -1 4

Others 312600 312600 312600

All Agencies NA 3950447 2328553 -41% 100 181200500 222515000 237853626 7 100

Mar 31, 13 Mar 31, 14 Mar 31, 15 Deposit Credit Deposit Credit

Commercial Banks 132 141 133 20170473 14885574 169180542 224700833

Regional Rural Bank 115 85 71 1385540 512936 4827351 3443127

Cooperative Banks 214 213 200 279055 -59884 4862375 9709666

Others 0 312600

All Agencies 135 142 133 21835068 15338626 178870268 237853626

Commercial Banks 168546762 93.33% 96445494 89.23% 37510898 94.43% 262797 100.00% 19458049 94.38%

Regional Rural Bank 2753175 1.52% 2668489 2.47% 2173777 5.47% NA 0.00% 1004960 4.87%

Cooperative Banks 9291743 5.15% 8976691 8.30% 40450 0.10% NA 0.00% 153467 0.74%

Others

All Agencies 180591680 100.00% 108090674 100.00% 39725125 100.00% 262797 100.00% 20616476 100.00%

Commercial Banks 52168169 67461809 129 71496481 59919504 84 81449105 50726287 62 91.80

Regional Rural Bank 1199980 2351900 196 1810840 2925413 162 2078300 2141892 103 153.53

Cooperative Banks 4530220 7862847 174 7393339 16003558 216 8549600 6651848 78 155.94

Others 150000 33334 22 153400 80300 52 165000

All Agencies 58048369 77709890 134 80854060 78928775 98 92242005 59520027 65 98.67

Crop Loan 28624381 43761936 153 47657308 49942070 105 55144200 34839917 63 106.95

Term Loan (Agr) 13507573 21765451 161 16887952 15472633 92 19965200 10094807 51 101.11

Total Agri. Credit 42131954 65527387 156 64545260 65414703 101 75109400 44934724 60 105.57

Non-Farm Sector 7059393 3744678 53 7177327 7282305 101 8001200 8142686 102 85.43

Other Priority Sector 8857022 8437825 95 9131473 6231767 68 9131405 6442617 71 78.02

Total Priority Sector 58048369 77709890 134 80854060 78928775 98 92242005 59520027 65 98.67

Commercial Banks NA NA 27498491.00 15972075.00 58%

Regional Rural Bank NA 661687.00 476943.00 72.08%

Cooperative Banks 5364100.00 3245900.00 60.51% 4456518.00 1979098.00 44.41% 2934172.00 215167.00 7% 71.91%

Others

All Agencies NA NA NA NA NA NA 30432663.00 16187242.00 53% NA

Sources : Lead Bank & SLBC

Demand [Rs.

'000]

Recovery [Rs.

'000]Recovery [%]

Demand [Rs.

'000]

Recovery

[Rs. '000]Recovery [%]

Demand [Rs.

'000]

Recovery

[Rs. '000]Recovery [%]

Ach'ment

[%]Target [Rs.'000]

Ach'ment [Rs.

'000]Ach'ment [%]

9. RECOVERY POSITION

Agency

2008-09 2009-10 2010-11 Average Rec.

[%] in last 3

years

Broad Sector

2012-13 2013-14 2014-15 Average

Ach[%] in

last 3 years

Target

[Rs.'000]

Ach'ment

[Rs. '000]

Ach'ment

[%]

Target

[Rs.'000]

Ach'ment

[Rs. '000]

Ach'ment

[Rs. '000]

Ach'ment

[%]Target [Rs.'000]

Ach'ment [Rs.

'000]Ach'ment [%]

8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

Agency

2012-13 2013-14 2014-15 Average

Ach[%] in

last 3 years

Target

[Rs.'000]

Ach'ment

[Rs. '000]

Ach'ment

[%]

Target

[Rs.'000]

Amount

[Rs.'000]

% of Total

Loans

Amount

[Rs.'000]

% of Total

Loans

Amount

[Rs.'000]

% of Total

Loans

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

Commercial Banks

Regional Rural Bank

Cooperative Banks

Others

All Agencies

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

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

Agency CD Ratio

AgencyDuring 2014-15 Cumulative

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

3. LOANS & ADVANCES OUTSTANDING

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

AgencyNo. of

Banks/Soc.

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

2. DEPOSITS OUTSTANDING

Banking Profile

East Godavari Andhra Pradesh Lead Bank - Andhra Bank

1. NETWORK & OUTREACH (As on 31/03/2013)