Krishi Info · NABARD FOREWORD It gives me great pleasure to present the Potential Linked Credit...

संभाव्यता युक्त्त ऋण योजना 2016-17 POTENTIAL LINKED CREDIT PLAN FOR 2016-17

DISTRICT : THIRUVANANTHAPURAM िजल्ला : ितरुवनंतपुरम STATE : KERALA राज्य : केरल

राष्टर्ीय कृिष और मामीण िवकास बैंक केरल के्षऽीय कायार्लय, ितरुवनंतपुरम NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT KERALA REGIONAL OFFICE, THIRUVANANTHAPURAM

Mission

Promote sustainable and equitable agriculture

and rural prosperity through effective credit

support, related services, institution

development and other innovative initiatives

NABARD

FOREWORD

It gives me great pleasure to present the Potential Linked Credit Plan (PLP) for the year

2016-17 prepared by NABARD for Thiruvananthapuram District which would serve as a

resource document for the preparation of Annual Plan for the District and help credit

planning of banks based on the potential available.

The theme of the document for the plan year is “Accelerating the pace of capital formation in

agriculture and allied sectors”. The estimates made in the base PLP for the year 2012-17,

especially the disaggregated (block wise–activity wise) physical and financial estimates, have

been reviewed and revised based on the actual ground level situation prevailing and after

factoring in price level changes. The revised RBI guidelines on Priority Sector Lending (PSL)

have been suitably incorporated in the PLP document. In order to provide necessary thrust

to capital formation in agriculture, the PLP document also contains Special Area

Development Schemes identified for each district keeping in view the local conditions,

potentials available for development, existing infrastructure, technologies required,

entrepreneurial capabilities, marketing arrangements etc.

The credit outlays and assessment provided in the plan have taken into account the views of

various stake holders in the district. I would like to express my sincere gratitude to Shri. Biju

Prabhakar, IAS, District Collector, Ms. Harsha Vijayakumar, Lead District Officer, Reserve

Bank of India, Shri. P. R. Unnikrishna Pillai, Lead District Manager, Indian Overseas Bank,

the Heads of line Departments and Controlling officers for their cooperation, support,

assistance and valuable suggestions provided to our District Development Manager Smt.

Sandhya Nagesh in preparation of this document.

The line departments may please ensure that their sectoral plans are included in the District

Credit Plan and allocated to banks. I am confident that this document would help in better

planning of directed credit towards priority sectors by all the stake holders.

Suggestions to further improve the document are welcome.

Ramesh Tenkil

Chief General Manager

Sl.No. Contents Page No.

Executive Summary 1-3

Sector/ sub-sector wise projections for 2016-17 4-5

Map of the District 6

District Profile 7-8

Banking Profile 9-10

Chapter 1 Policy initiatives 11-13

Chapter 2 Government Sponsored Programmes with bank credit 14-19

Chapter 3 Credit Potential for Agriculture 2016-17 20

3.1 Farm Credit

3.1.1 Crop Production, Maintenance and Marketing 20-24

3.1.2 Water Resources 25-26

3.1.3 Farm Mechanization 27-28

3.1.4 Plantation & Horticulture 29-31

3.1.5 Forestry & Waste Land Development 32

3.1.6 Animal Husbandry – Dairy 33-35

3.1.7 Animal Husbandry – Poultry 36-37

3.1.8 Animal Husbandry – Sheep, Goat, Piggery etc. 38-39

3.1.9 Fisheries 40-41

3.1.10 Others – Bullock, Bullock Carts etc. 42

3.2 Agriculture Infrastructure 43

3.2.1 Construction of Storage Facilities 43-44

3.2.2 Land Development, Soil Conservation and Watershed Development 45-46

3.2.3 Others 46-47

3.3 Ancillary Activities

3.3.1 Food and Agro processing 48-49

3.3.2 Others 50

Chapter 4 Credit Potential for Micro, Small and Medium Enterprises (MSME) – 2016-17 51-54

Chapter 5 Potential for Export Credit – 2016-17 55-57

Chapter 6 Credit Potential for Education – 2016-17 58-59

Chapter 7 Credit Potential for Housing – 2016-17 60-62

Chapter 8 Credit Potential for Renewable Energy – 2016-17 63-66

Chapter 9 Credit Potential for Others – 2016-17 67

Chapter 10 Infrastructure Support 68-73

Chapter 11 Informal Credit Delivery System 74-75

Chapter 12 Area Development Plan/ Scheme 76-77

Annexures

I Activity-wise and Block-wise Physical and Financial Projections 2016-17 78-85

IIAn overview of Ground Level Credit Flow – Agency-wise and Sector-wise for

2012-13, 2013-14, 2014-15 and target for 2015-1686

IIISub-sector-wise and Agency-wise Credit Flow under Agriculture and allied

activities – 2012-13, 2013-14, 2014-15 and target for 2015-16.87

IVIndicative unit costs (for major activities of the district) as arrived at by

NABARD for its internal use. 88

VScale of finance for major crops fixed by District Level Technical Committee

(DLTC) for 2015-16.89

VI (i)Block wise details of potential available for promotion and savings linkage of

SHGs / JLGs90

VI (ii) Block wise potential for credit linkage of SHGs / JLGs 90

Abbreviations 91-92

Potential Linked Credit Plan 2016-17Thiruvananthapuram District

POTENTIAL LINKED CREDIT PLAN (PLP): 2016-17

THIRUVANANTHAPURAM DISTRICT

EXECUTIVE SUMMARY

I General The theme of the PLP 2016-17 will be “Accelerating the pace of capital formation in

agriculture and allied sector”.

Thiruvananthapuram district has a total geographical area of 2188 sq km of which 22.70 per cent is covered by forests. About 99 per cent of the total land holdings are of less than one hectare size and the average land holding is 0.11 ha. Both net sown area and gross cropped area have declined progressively over the last 10 years, with slight fluctuation in some years. Coconut, rubber, tapioca, pepper, banana and vegetables are the major crops grown. The area under paddy, coconut and pepper have increased during the year 2013-14 whereas the area under rubber and arecanut has declined during 2013-14, as compared to that in 2012-13. Coconut continues to be the major crop in the district with an area of 71319.68 ha and productivity of 7726 million nuts during 2013-14. The concept of organic farming is gaining momentum in the district. Prominent allied activities are dairy, poultry and goat rearing. Handloom weaving is the major traditional non-farm activity.

Ground Level Credit flow under Priority Sector, which stood at ` 8652.76 crore during 2012-13, decreased by 14.57 per cent to ` 7392.02 cr during 2013-14 and then increased by 21.34 percent to `8969.66 cr during 2014-15 owing to the quantum jump in credit flow under crop loans and non-farm sector. While both primary and secondary sector exhibited an impressive annual growth of 45%, the tertiary sector witnessed a negative annual growth of 18% during 2014-15. The primary sector constituted 63 per cent while the share of Secondary and Tertiary Sectors were in the range of 11 and 26 per cent respectively during 2014-15. All banks collectively achieved the overall targets set under Annual Credit Plan (ACP) during last two years. During the year 2014-15, the ACP target under agriculture was exceeded by 44%. However, the achievement under secondary and tertiary sectors fell short of the respective sectoral targets by 36% and 30%.

CD Ratio of the district, which was 66 per cent as on 31 March 2014, dropped marginally to 65 per cent as on 31 March 2015. Banks in the district were able to achieve national goal benchmarks in respect of credit to priority sector, agriculture and weaker sections, but fared poorly in DRI advances.

The Base PLP projection for 2016-17 in respect of Thiruvananthapuram district was `. 10069.18 cr and the revised/re-assessed projection stood marginally increased to `. 10171.36 crore. The revised projection for 2016-17 is 8.35 per cent higher than the PLP projection for 2015-16 and 11.30% higher than the ACP target for the year 2015-16. The share of Primary, Secondary and Tertiary Sectors are in the order of 38, 20 and 42 per cent of the total projections. Crop production has a share of 25 per cent of the total priority sector projection and 66.80 per cent of the total projection for agriculture sector. The share of term loans (including various sectors, agriculture infrastructure and ancillary activities like food and agro processing) in total agriculture is 33.20 per cent.

The Base PLP projection for the year 2016-17 has undergone revision in respect of all sectors mainly due to revision of unit costs of certain activities as well as the inclusion of new sectors like export credit, medium enterprises etc. and reclassification of certain activities like food and agro-processing, land development etc. The projection under Plantation and horticulture was scaled down by 11% as compared to the base PLP, due to an expected reduction in area under cultivation and low off-take of credit for crops like rubber in view of the prevailing low market prices. The projections under a few sectors like dairy, poultry, water resources, storage facilities, food and agro-processing and MSME were scaled up in comparison with the Base PLP keeping in view the renewed thrust accorded by the central and state government through the announcement of various flagship programmes in the respective sectors (PRODUCE Fund for farmer producers organization, Micro-irrigation, Warehousing Infrastructure Fund, Food

PLP 2016-17 Thiruvananthapuram District

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Processing Fund, Make-in India, Skill India, Micro-units Development (MUDRA) etc. to name a few).

Key constraints in respect of major sectors are summarized below:

Crop Loans: Inadequate incentives for food crops, KCC coverage, storage & marketing

Water Resources: Low irrigation intensity, poor propagation of micro irrigation

Land Development: Inadequacy of organic inputs for promotion of organic farming

Farm Mechanisation: Fragmented land holdings unsuitable for available farm machinery

Plantation & Horticulture: Inadequate supply of quality planting material, lack of infrastructure for value addition, processing, storage & marketing, lack of affordable systems and technology for protected cultivation.

Animal Husbandry-Dairy: Inadequate availability of quality animals and fodder

Animal Husbandry-Poultry: Inadequate availability of good quality chicks locally

Animal Husbandry-Goat/Pig: Lack of organized systems for production and marketing

Fisheries: Lack of sufficient number of hatcheries/ seed farms particularly for fresh water fishes/ prawns and brackish water prawns and seeding material for culture of crabs will address a critical constraint in development of inland fisheries.

Storage Godown & Market Yards: Lack of modern markets, storage facilities, insignificant agriculture production and high price of land.

Renewable Energy: Non-availability of quality devices at affordable cost

Micro & Small Enterprises: Lack of incentives for land & power, inadequate skill training

Other Priority Sector: Improvement in infrastructure for connectivity & power needed.

II New Schemes & Programmes

Realising the importance of collectivisation and role of FPOs in enhancing the producers income through collective action, Govt. of India in the Union Budget 2014-15 has established “Producers Organisation Development and Upliftment Corpus (PRODUCE) Fund of ̀ .200 crore in NABARD to be utilized for the building and promotion of 2000 FPOs over a period of two years. This initiative would go a long way in addressing the initial requirements of the emerging FPOs, which would provide new business opportunities for financing institutions. In order to further boost the credit flow to FPOs, the RBI has included lending to FPOs by commercial banks and RRBs as lending under Priority sector. There is immense potential in the district for aggregating the farmers into FPOs thereby providing better opportunities in collective agri-business.

Producer Companies/Organizations need to be promoted to improve viability of farming operations in the wake of small production units. The potential segments in the district are coconut, banana and vegetable cultivation, fruit processing, dairy and poultry development etc.

In Thiruvananthapuram District, NABARD has supported formation of four FPOs under PRODUCE Fund for activities like poultry layer farming, production, processing and value addition of fruits and vegetables, honey bee production, and rubber production and processing.

With a view to supplementing the lending resources of PACS, NABARD has sanctioned two projects under Producers Organisation Development Fund (PODF) to one PACS in the district viz., Marayamuttom PACS for on-lending for dairy and poultry farmers. In addition to this, financial assistance has been sanctioned to Sanghamaitri Fruits and Vegetables Collection and Marketing Society under PODF for setting up training cum skill development centre for vegetable producers. With a view to having cluster based, planned approach for development of potential activities in compact areas, with active participation of all the stake holders, Area Development Schemes have been formulated. Based on the


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assessed ground level potential, availability of linkage support and other required factors, two activities viz., Dairy-milch animals and poultry has been identified for formulation of Area Based Schemes in Thiruvananthapuram district (details are given in Chapter 12).

The future strategy for micro credit programme in the district will involve promotion of micro enterprises through JLGs. The programme will also integrate into National Rural Livelihood Mission (NRLM).

III Infrastructure

The district has “A+” status in rural electrification, connectivity, drinking water supply, education/literacy and health services while it has only “D” status in respect of irrigation. Under RIDF (tranche I to XX) as many as 431 projects with loan assistance of ` 396.54 crore were sanctioned in the district, which are expected to accelerate the pace of rural and agriculture development.

The critical infrastructure requiring attention of the state government in the district include creation and rejuvenation of Minor irrigation structures, Rain water harvesting, watersheds, Agricultural Storage, Warehousing and marketing infrastructure etc. Infrastructure which can be supported through private investment with credit support include storage and marketing, agro service centres, value addition and processing facilities etc.

IV Review and monitoring

Coordinated efforts by all the stake holders are required to ensure desired flow of credit to priority sector in general and investment credit for enhancing capital formation in particular. Reviews in DCC/BLBC meetings should be more focused and should address channelising credit flow to promote growth in agriculture and MSME sectors. SAMIS reporting system needs to be strengthened for meaningful review.


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Appendix A to Annexure 1 : Broad Sector wise PLP Projections- 2016-17 District: Thiruvananthapuram ` Lakh

Sr. No.

Particulars PLP Projections 2016-17

A Farm Credit

i Crop Production, Maintenance and Marketing 257004.95

ii Term Loan for agriculture and allied activities 108215.42

Sub Total 365220.36

B Agriculture Infrastructure 14708.43

C Ancillary activities 4815.18

I Credit Potential for Agriculture (A+B+C) 384743.97

II Micro, Small and Medium Enterprises 209002.37

III Export Credit 565.00

IV Education 30739.84

V Housing 212010.57

VI Renewable Energy 597.12

VII Others 178917.43

VII Social Infrastructure involving bank credit 560.00

Total Priority Sector (I to VIII) 1017136.30

Revised Credit Potential for 2016-17 (`. Lakh)

Crop Production, Maintenance &

Marketing, 257004.95, 25%

Term Loan for agri. & allied activities, 108215.42, 11%

Agriculture Infrastructure &

ancillary activities, 19523.61, 2%

Micro, Small and Medium

Enterprises, 209002.37, 20%

Education, 30739.84, 3%

Housing, 212010.57, 21%

Loans to SHGs/JLGs, PMJDY, etc.,

178917.43, 18%

Other priority sectors , 1722.12,

0%


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Appendix B to Annexure 1 Summary of Sector/ Sub-sector wise PLP projections 2016-17

District: THIRUVANANTHAPURAM ` Lakh

Sr. No. Particulars Potential for 2016-17 as per Base PLP

PLP Projections 2016-17

I Credit Potential for Agriculture

A Farm Credit

i Crop Production, Maintenance and Marketing 376651.61 257004.95

ii Water Resources 3316.27 4615.80

iii Farm Mechanisation 5270.86 7186.91

iv Plantation and Horticulture (Including sericulture) 46792.80 50106.24

v Forestry and Waste Land Development 440.64 466.56

vi Animal Husbandry - Dairy 11043.77 28000.86

vii Animal Husbandry - Poultry 3487.78 4553.29

viii Animal Husbandry - Sheep, Goat, Piggery, etc. 4786.58 7725.79

ix Fisheries (Marine, Inland, Brackish water) 5006.58 5542.82

x Others - Bullock, Bullock cart, etc. 13.05 17.15

Sub Total 457671.21 365220.36

B Agriculture Infrastructure

i Construction of storage facilities 3858.75 4117.50

ii Land development, Soil conservation, Watershed development

9020.25 10261.53

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

125.55 329.40

Sub Total 12820.80 14708.43

C Ancillary activities

i Food and Agro processing 4852.98 4175.18

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

0.00 640.00

Sub Total 4852.98 4815.18

Total Agriculture 475344.99 384743.97

II Micro, Small and Medium Enterprises

i MSME - Working capital 34304.05 58997.68

ii MSME - Investment credit 145159.09 150004.69

Total MSME 179463.14 209002.37

III Export Credit 0.00 565.00

IV Education 26836.37 30739.84

V Housing 185088.59 212010.57

VI Renewable Energy 471.03 597.12

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

139713.79 178917.43

VII Social Infrastructure involving bank credit 0.00 560.00

Total Priority Sector 1006917.91 1017136.30


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MAP OF THE DISTRICT


6

District -

2188

6

12

116

78

218781 Normal 2011-12 2012-13 2012-13

49861 1803 1373.00 1535.10 1692.40

29767 -430.0 -267.9 -110.6

2 Balance

24 NA NA NA NA NA

257

3357

517 Nos. % to Total Ha. % to Total

130360 750108 99 76149 81

154322 8188 1 10616 11

23962 1993 6898 7

118 792116 100 87516 100

102 Total Male Female Rural Urban

NA 3301 1581 1720 1529 1772

263 373 180 191 246 125

37 26 10 11 14 7

163 2785 1444 1414

474 803 390 413 532 271

759 NA NA

506 601.00 NA

188 753.00 NA

116 2082.00 NA

NA 253

116 NA 6012

116

116 114 23266

116 8602 NA

116 NA NA

116 NA 1.00

304 6

11848 108 64

437 1

8384

3073 2 23

4498 2437 18

388 81.00 NA

425 80462.00 1

30630.00 NA

No of units Cap.[MT]

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

NA NA 1 81 6.00 4096.00 2001 .00 5326.00 2662

NA NA 7 0233.00 552 (m.nuts) 7 1 31 9.68 551 (m.nuts) 7 7 26 nuts

NA NA 3567 .00 24291 .27 2342.66 1 87 53.00 8004

NA NA 331 00 37 500 31 840 37 47 0 1 1 7 7

NA NA 1 3625.00 41 4268.00 1 421 0.03 467 51 2.00 32900

10 2 2441 .00 87 3.88 2529.43 909.00 359

NA NA 1 024.00 57 6.51 1 001 .1 3 47 6.00 47 6

NA NA

Category of animal Total Male Female 101 NA

Cattle 102 NA NA 1 NA

Buffaloes 4 NA NA 251 86

Sheep - Cross bred NA NA 7 3

Sheep - Indigenous 0 NA NA 2 337

Goat 164 NA NA 417 3

Pig - Cross bred NA NA 1 NA

Pig - Indigenous 3 NA NA 12 1

Horse/Donkey/Camel NA NA

Poultry - Cross bred 1533 NA NA Fish 54901 5

Poultry - Indigenous 210 NA NA Egg 1014 73

Milk 15 227

Meat 83532 33

Total Geographical Area (Sq.km)Agro-climatic Zone Western Plains and Ghat Region - Costal Midland Region (Zone 12)

No. of Sub Divisions (Taluks)

No. of Blocks Climate Dry Sub-Humid and per Humid

District Profile

THIRUVANANTHAPURAM State - KERALA

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE

Total Area Reported

Rainfall [in mm]Actual

Forest Land

Area Not Available for Cultivation Variation from Normal

No. of Villages (Inhabited)Soil Type Laterite, Red Loamy, Costal Alluvium

No. of Panchayats

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

Area

Other Fallow

Net Sown Area <= 1 Ha

Permanent Pasture and Grazing Land Availability of Ground Water

[Ham]

Net annual recharge Net annual draft

Land under Miscellaneous Tree Crops

Cultivable Wasteland 5. DISTRIBUTION OF LAND HOLDING

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

Area Cultivated More than Once >2 Ha

Cropping Inensity [GCA/NSA] Total

Current FallowClassification of Holding

Holding

Agricultural Labourers Scheduled Caste

Workers engaged in Household Industries Scheduled Tribe

Workers engaged in Allied Agro-activities Literate

6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] CENSUS 2011

Cultivators Category

Of the above, Small/Marginal Farmers Population

Rural Households Having source of drinking water Having independent toilets

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

Other workers BPL

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

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

Villages having Post Offices Primary Health Sub-Centres Hospital Beds

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

Villages having Primary Schools Fertiliser/Seed/Pesticide Outlets [Nos] Agriculture Pumpsets[Nos]

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

Villages Electrified Anganwadis Dispensaries

Villages having Agriculture Power Supply Primary Health Centres Hospitals

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

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

Villages having Primary Health Centres Total N/P/K Consumption [MT] Pumpsets Energised [Nos]

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

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

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

Irrigation Potential Created Threshers/Cutters [Nos] Krishi Vigyan Kendras[Nos]

Cold Store Capacity[MT]

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

Type of Processing ActivityCrop

2012-13 2013-14 Avg. Yield

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

Irrigation Potential Utilized (Gross Irrigated Area)

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

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

Sugarcane (Gur/Khandsari/Sugar) Paddy

Fruit (Pulp/Juice/Fruit drink) Coconut

Spices (Masala Powders/Pastes) Banana

Goods Transport Vehicle [Nos]

Meat (Chicken/Mutton/Pork/Dryfish) Arecanut

Animal feed (Cattle/Poultry/Fishmeal)

17. ANIMAL POPULATION AS PER CENSUS 2012 [in '000] 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES

Dry-fruit (Cashew/Almond/Raisins) Rubber

Cotton (Ginnining/Spinning/Weaving) Tapioca

Milk (Chilling/Cooling/Processing) Pepper

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]

Improved Fodder Farms [Nos] Slaughter houses [Nos]

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

Production [MT]

Dairy Extension Service Units [Nos] Quality control units - Dairy [Nos]

Per cap avail. [gm/day]

Per cap avail. [nos/p.a.]

Per cap avail. [gm/day]

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

Production [Lakh Nos]

Production ['000 MT]


7

DISTRICT PROFILE

Important Additional Information

Thiruvananthapuram District is the southernmost district of the coastal state of Kerala, in south India. It came into existence in the year 1957. The district has an area of 2,188 square kilometres and a population of 3,307,284 (as per the 2011 census), second-most populous district in Kerala after Malappuram district. The Gross Domestic Product (GDP) of Thiruvananthapuram district for the year 2013-14 at current prices was `.43865.84 crore (Quick estimates), which worked out to 11.07 per cent of the GDP of the state and registered a growth of 15.21% over the year 2012-13. The share of primary, secondary and tertiary sectors were 6, 21 and 73 per cent respectively. The per capita income of the district at constant (2004-05) prices was `. 67299.00 in 2013-14 as compared to `.58961.00 for the State as a whole. The district ranked fourth in terms of per capita income during the year 2013-14 with an annual growth of 6.82% over the level of `.63003.00 in 2012-13. With a land holding size of just 0.11 ha, homestead farming, is the most popular farming system adopted in the district. Coconut, rubber, tapioca, pepper, banana and vegetables are the major crops grown. The district has been included under AEZ for banana, exotic vegetables and medicinal plants. Animal husbandry activities like dairy, poultry and goat farming are the major allied activities in the district. Fisheries is also a major activity in the district, with a long coastline and abundant surface water resources. Handloom is the major non-farm sector activity in the district, though it has lost some of its old prominence. With abundant raw material base, agro & food-processing sector has good prospects in the district.


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District - THIRUVANANTHAPURAM State - KERALA

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

Commercial Banks 45 636 20 286 330 NA 251 06 NA 0.1 8 1 1 93

Regional Rural Bank 1 39 33 6 NA 1 85 NA 2.97 1 9462

District Central Coop. Bank 1 7 5 44 8 23 NA 1 692 NA 1 .55 1 01 20

Coop. Agr. & Rural Dev. Bank 5 1 3 1 1 - 2 NA - NA 8.92 58385

Primary Agr. Coop. Society 1 1 4 1 1 4 1 1 4 - NA - NA 1 .02 6658

Others - Kerala Financial

Corporation

1 1 - - 1 NA - NA 1 1 6 7 59000

All Agencies 1 67 7 64 1 89 327 362 NA 26983 NA 0.1 5 993

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 2437 651 00 459526300 47 208991 5 3 89.7 8

Regional Rural Bank NA NA NA NA NA 2693300 97 901 00 1 1 7 49966 20 2.23

Cooperative Banks NA NA NA NA NA 207 06000 35328600 41 964400 1 9 7 .98

Others NA NA NA NA NA - - - - -

All Agencies NA NA NA NA NA 267 1 64400 504645000 525804281 4 1 00.00

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 1 5221 6900 29621 47 00 303939361 3 89.53

Regional Rural Bank NA NA NA NA NA 456500 621 61 00 51 96547 -1 6 1 .53

Cooperative Banks NA NA NA NA NA 1 507 0900 28550000 297 63800 4 8.7 7

Others NA NA NA NA NA 4447 200 1 452300 59897 0 -59 0.1 8

All Agencies NA NA NA NA NA 1 7 21 91 500 3324331 00 33949867 8 2 1 00.00

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

Commercial Banks 1 57 7 1 64 ########## NA NA NA NA

Regional Rural Bank 47 56 44 51 96547 .00 NA NA NA NA

Cooperative Banks 53 7 1 7 1 ########## NA NA NA NA

Others NA NA NA 59897 0.00 NA NA NA NA

All Agencies 75 66 65 ########## NA NA NA NA

Commercial Banks 7 547 6308 24.83 48554409 1 5.98 5667 82 0.1 9 8806.00 0.003 NA NA

Regional Rural Bank 3487 1 7 3 67 .1 1 266531 1 51 .29 2898283 55.7 7 1 67 5.00 0.032 NA NA

Cooperative Banks 96657 54 32.47 5440494 1 8.28 - - - - NA NA

Others 1 067 37 3 1 7 8.20 - - - - - - NA NA

All Agencies 89696608 26.42 5666021 4 1 6.69 3465065 1 .02 1 0481 0.003 NA NA

Commercial Banks 4551 01 36 47 7 38063 1 05524057 21 62202495

1 1 9653507 37 7 547 6308

1 1 5 1 1 3

Regional Rural Bank 7 8241 0 327 1 7 4 421 06061 0 1 241 61 4

1 1 71 7 67 665 3487 1 7 3

1 97 1 1 9

Cooperative Banks 1 7 62841 3 1 583387 3 901 7 28547 3 1 00591 09

5820205643 96657 54

48 65

Others 600000 352696 59 - 41 6990 - 67 2000 1 067 37 31 59 -

All Agencies 64520959 64251 806 1 00 7 07 51 804 7 3920208 1 04 87 996045 89696608 1 02 1 02

Target

[Rs.'000]

Ach'ment [Rs.

'000]Ach'ment [%]

Crop Loan 22355968 2065457 1 92 20932950 31 6591 98 1 51 3021 31 92 49254084 1 63 1 36

Term Loan (Agr) 556091 7 3555330 64 1 0842626 7 2487 66 67 7 4061 30 9424458 1 27 86

Total Agri. Credit 24209901 31 7 7 557 6 1 31 31 7 7 557 6 38907 964 1 22 3941 9392 5666021 4 1 44 1 32

Non-Farm Sector 3631 1 1 2 4461 655 1 23 4461 655 6824469 1 53 1 5598338 99287 24 64 1 1 3

Other Priority Sector 3641 07 93 3451 457 3 95 3451 457 3 281 87 7 7 5 82 3297 831 5 231 07 67 0 7 0 82

Total Priority Sector 64251 806 7 07 51 804 1 1 0 7 07 51 804 7 3920208 1 04 87 996045 89696608 1 02 1 06

Commercial Banks NA NA NA NA NA NA NA NA NA NA

Regional Rural Bank NA NA NA NA NA NA NA NA NA NA

Cooperative Banks NA NA NA NA NA NA NA NA NA NA

Others NA NA NA NA NA NA NA NA NA NA

All Agencies NA NA NA NA NA NA NA NA NA NA

Sources : Lead Bank

2. DEPOSITS OUTSTANDING

Banking Profile

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

Lead Bank - INDIAN OVERSEAS BANK

AgencyNo. of

Banks/Soc.

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

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

3. LOANS & ADVANCES OUTSTANDING

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

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 Banks

Regional Rural Bank

Cooperative Banks

Others

All Agencies

% 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

Amount

[Rs.'000] % of Total Loans

Amount

[Rs.'000] % of Total Loans

Amount

[Rs.'000]

8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

Agency

201 2-1 3 201 3-1 4 201 4-1 5Av erage

Ach[%] in last

3 y earsTarget

[Rs.'000]

Ach'ment [Rs.

'000]Ach'ment [%]

Target

[Rs.'000]

Ach'ment [Rs.

'000]Ach'ment [%]

Target

[Rs.'000]

Ach'ment [Rs.

'000]Ach'ment [%]

Ach'ment [%]Target

[Rs.'000]

Ach'ment [Rs.

'000]Ach'ment [%]

Broad Sector

201 2-1 3 201 3-1 4 201 4-1 5Av erage

Ach[%] in last

3 y earsTarget

[Rs.'000]

Ach'ment [Rs.

'000]

201 3-1 4

9. RECOVERY POSITION

201 4-1 5Av erage Rec.

[%] in last 3

y earsDemand [Rs.

'000]

Recov ery [Rs.

'000]Recov ery [%]

Demand [Rs.

'000]

Recov ery [Rs.

'000]Recov ery [%]

Demand [Rs.

'000]

Recov ery [Rs.

'000]Recov ery [%]

Agency

201 2-1 3


9

BANKING PROFILE i. Lead Bank of the district : Indian Overseas Bank is the Lead Bank of the District.

ii. Banking Network: The district has a very good network of banks and other financial institutions. There are 45 Commercial Banks, one RRB, one DCCB, five PCARDBs and 114 Primary Agricultural Cooperative Banks operating in the district in addition to Head Offices of KSCB and KSCARDB. There are 636 branches of commercial banks (including 175 branches of Private sector banks), 39 branches of RRBs, 75 branches of DCB (including one mobile branch), 13 branches of PCARDBs and 114 PACS functioning in the district. Average population covered by the banking sector is around 3900.

Performance Parameters of Banks

1. Deposits: Deposits outstanding of various financial agencies has increased from `.50464.00 crore as on 31 March 2014 to `.52580 crore as on 31 March 2015 achieving a growth of 4% over the last year.

2. Loans Outstanding : The loans outstanding has gone up from `. 33243.00 crore as on 31 March 2014 to `. 33950 crore as on 31 March 2015 registering a growth of 2% over the last year.

3. Credit Deposit Ratio: The overall CD ratio of the district has marginally decreased to 65% as on 31 March 2015 as compared to 66% as on 31 March 2014 and 71% as on 31 March 2014. While the overall CD ratio for the district was 65%, the Co-operative Banks recorded a CD ratio of 71% and Public Sector banks recorded 93%. RRBs had a CD ratio of only 44% whereas Private Sector Banks had a CD ratio of only 59%. The marginal drop in overall CD ratio is attributed to the higher growth in Deposits (4%) compared to that under Advances (2%).

4. Performance to fulfil the National Goals - 2014-15: Ratio of Priority Sector advances to total advances was 26.42% and Agricultural Advances to total advances was around 16.69%. Agriculture Term Loans constituted 13.07% of the total agriculture advances during the year 2014-15, which is lower than the level of 18.6% achieved during 2013-14. One of the reasons for the sluggish offtake of Agriculture loans is the high interest rate on term loans in comparison to crop loan. Loans to weaker sections during 2014-15 was ̀ . 34650.65 lakh and Advances under DRI loans during the year was `.104.81 lakh.

5. Annual Credit Plans - Performance: During the year 2014-15, overall achievement of Annual Credit Plan target was 102%, with a whopping 144% in agriculture sector (163% in crop loan and 127% in term loans for agriculture). The highest share of priority sector advances was accounted for by Agricultural sector at 63%, followed by the tertiary sector at 25.76%. Though the credit flow for Secondary sector recorded an impressive annual growth of 45%, comprising 11.07% of the total priority sector credit, the achievement (64%) fell short of the annual credit plan during 2014-15. Tertiary sector (other priority sector) recorded an achievement of 70 per cent of ACP targets while registering a negative annual growth of 18%. The achievement of Annual Credit Plan targets was above 100% during the years 2012-13 and 2013-14 at 110% and 104% respectively.

6. Recovery Position: The overall recovery percentage in the district is 67% as on 31.03.2015. The recovery position of Commercial banks has been stagnant at around 65% during the last three years and that of Cooperatives have been ranging between 70 – 80% during the same period.

7. Status of SAMIS: The ‘Service Area Monitoring and Information System (SAMIS)’ has helped the Bankers, in planning, reporting and monitoring the flow of ground level disbursement of credit. Bank branches prepare their plans annually in LBR1, which has fully stabilized. The submission level of LBR 2 and LBR U2 was 80% as on March 2015. The submission level of LBR 3 however, is still irregular. Lead Bank, in association with NABARD and RBI, is closely monitoring the submission of various returns and the same is being reviewed in fora like BLBC/ DCC etc.

8. Financial Literacy Centres:

The district has the distinction of having FLCs in all the blocks. One District level and 10 block level financial literacy centres have been established in the district by various banks to provide free financial education to general public.


10

Chapter 1

Policy Initiatives The Government of India, Reserve Bank of India, State Governments and NABARD have been taking a number of policy measures for the development of agriculture and rural sectors and accelerating credit flow. The important measures/initiatives/ innovations are given below. I. Policy Initiatives of GOI

Ministry of Agriculture renamed as Ministry of Agriculture and Farmers Welfare

Digitization of land resource inventorization for micro-level agricultural land use planning.

Project for hill agriculture under National Mission on Sustaining Himalayan Ecosystem (to applicable states)

Countrywide digital agricultural research database - Knowledge based Resource Information Systems Hub for Innovations (KRISHI) in agriculture.

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

Groups of farmers to be motivated to take up organic farming under Paramparagat Krishi Vikas Yojna (PKVY). In three years 10,000 clusters to be formed covering 5.0 lakh acre area under organic farming.

Launching of Swachh Bharat Mission

National Rural Drinking Water Programme (NRDWP) for the benefit of all segments of rural population.

Attracting and Retaining Youth in Agriculture (ARYA) towards agriculture and agriculture related income generating enterprises to check rural migration.

Student READY (Rural Entrepreneurship and Awareness Development Yojana) to promote professional skills, entrepreneurship, knowledge and marketing through hands-on experience.

Special scheme in North-Eastern Region for promotion of organic farming and export of organic produce.(To applicable states)

Pradhan Mantri Krishi Sinchai Yojana (PMKSY)-To ensure access to some means of protective Irrigation to all agricultural farms to increase production and productivity and enhance farm Income (more crop per drop).

Promotion of National Market through Agri Tech Infrastructure Fund (ATIF) to provide e-marketing platform at the national level in 642 regulated markets across the country.

Price Stabilisation Fund to support market interventions for price control of perishable agri-horticultural commodities.

Make in India –Facilitate investment, foster innovation, protect intellectual property, and build best-in-class manufacturing infrastructure.

Announced an increase of 50% in the relief on input subsidy given to farmers and the threshold for eligibility has been reduced to 33% for farmers affected by hailstorms and unseasonal rains and other natural calamities.

Micro Units Development and Refinance Agency Ltd (MUDRA) launched to extend finance and credit support to Microfinance Institutions (MFI) and agencies that lend money to small businesses, retailers, self-help groups and individuals.

The schemes of Mega Food Parks, Cold Chain and Modernization of Abattoirs further up-scaled during the 12th Plan. 12 new Mega Food Park projects, 75 Cold Chain projects and 50 Abattoir projects has been approved for implementation during the 12th Plan.

Parity in Development to Eastern and North Eastern regions was also advocated. • Improve employability of rural youth under the Deen Dayal Upadhyay Gramin Kaushal

Yojana. • Promotion of Solar Energy


11

Pradhan Mantri Suraksha Bima Yojna, Atal Pension Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana launched

Pradhan Mantri Jan Dhan Yojana (PMJDY). NABARD’s efforts in this field include facilitation of financial literacy and supporting technological upgradation of cooperative banks and RRBs.

II. Policy Initiatives of Reserve Bank of India In terms of the Revised Priority Sector Guidelines:

Categories of the priority sector: Medium Enterprises, Social Infrastructure and Renewable Energy will form part of priority sector, in addition to the existing categories.

Small and Marginal Farmers: A target of 8 percent of ANBC or Credit Equivalent Amount of Off-Balance Sheet Exposure, whichever is higher, has been prescribed for Small and Marginal Farmers within agriculture, to be achieved in a phased manner i.e., 7 percent by March 2016 and 8 percent by March 2017.

Micro Enterprises: A target of 7.5 percent of ANBC or Credit Equivalent Amount of Off-Balance Sheet Exposure, whichever is higher, has been prescribed for Micro Enterprises, to be achieved in a phased manner i.e. 7 percent by March 2016 and 7.5 percent by March 2017.

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

The loan limits for housing loans and MFI loans qualifying under priority sector have been revised.

Banks to ensure that their overall agriculture direct lending to non-corporate farmers does not fall below the system-wide average of the last three years achievements.

Banks to continue to maintain all efforts to reach the level of 13.5% direct agriculture lending to the beneficiaries who earlier constituted the direct agriculture sector.

Guidelines for relief measures by banks in areas affected by Natural Calamities have been revised.

III. Policy Initiatives of NABARD

Medium Term Refinance Product- The medium term refinance product will include all the investment credit activities eligible for getting long term refinance from NABARD.

Long Term Rural Credit Fund: An amount of ̀ .15000 crore has been allocated under Long Term Rural Credit Fund(LTRCF).

NBFC-Relaxation- Refinance to NBFCs and NBFC-MFIs registered and operating in the states in the Eastern region, North-Eastern region including Hilly states, Lakshadweep and Chhattisgarh with rating norms relaxed.

`.25,000 crore has been allocated under Rural Infrastructure Development Fund (RIDF) for 2015-16.

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

a) Solid Waste Management and Infrastructure works related with sanitation in Rural areas b) Infrastructure works related with alternate sources of energy viz. Solar, wind, etc.

andEnergy conservation c) Hydel projects upto 25MW ( from existing 10 mw) d) 5/10 mw Solar Photovoltaic Power Plant

Assistance to RRBs and Cooperative Banks for training the BCs/CSPs/BCAs/BFs engaged by them is available for capacity building in the areas of banking/financial products and services

A Special Fund with a corpus of ` 2000 crore was created in NABARD 2014-15 for making available affordable credit to agro-processing units in the Designated Food Parks (DFPs) and individual processing units set up in the DFPs.

Funding under NABARD Infrastructure Development Assistance (NIDA) to State Government and State owned institutions for development of infrastructure in rural areas.


12

Guidelines for relief measures by banks in areas affected by Natural Calamities have been revised.

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

The Green Climate Fund has been designated as an operating entity of the financial mechanism of The United Nations Framework Convention on Climate Change (UNFCCC) to promote a paradigm shift towards low emission and climate resilient development pathways.

Constituted National Advisory Committee on Produce Fund along with other officials from MoF, MoA, GoI, NDDB, SFAC etc., to review the critical issues relating to FPO sector.

NABKISAN Finance Ltd., a subsidiary of NABARD to provide financial support to eligible FPOs with refinance assistance and other support facilities from NABARD

A scheme has been introduced for promotion of Farmer Producer Organisations (FPOs) for implementation by partnering with technically competent agencies.

NABARD has started a Pilot programme for Digitization of SHGs IV. Policy initiatives of State Government

The Government of Kerala has created a database of 17.4 lakh farmers in the State to help in routing facilities to them.

Creation of the Price Stabilization Fund of `.300 crore for rubber procurement to help farmers realize better income and give a fillip to ground level lending by banks

Incentives by the State Govt. for production of coconut neera through Neera Farmer Producer societies to help the coconut farmers in the State.

NABCONS, the consultancy wing of NABARD, has been designated to prepare a comprehensive development programme covering both infrastructure and livelihood in Attapady tribal area and Aralam Resettlement area to be implemented by GoK.

GoK. with assistance of NABARD to undertake soil and watershed conservation activities in the State for a total amount of `. 80.25 crore.

An amount of Rs.100 crore set apart by GoK for undertaking protective measures with NABARD assistance to mitigate hardships of people living on the fringes of forest areas who are prone to attack of wild animals and suffer extensive damages to their crops and livestock.


13

Chapter - 2

Government Sponsored Programmes

Sl.No.

Name of the scheme Nodal Agency Objective Subsidy quantum(range) in relation to

total project cost

1 Agriclinic and Agribusiness Centres Scheme

Dept. of Agriculture & Cooperation,

Ministry of Agriculture, GoI

1. Supplement efforts of public extension 2. Support Agricultural development 3. Create gainful self-employment for unemployed agriculture

graduates/diploma holders /intermediate in agriculture, graduates in biological science with PG in agri-related courses

44% of project cost - for women, SC/ST beneficiaries, all categories of beneficiaries from NE & Hill states

36% of the project cost – for Others

2 Capital Investment Subsidy Scheme for commercial production units of organic inputs under National Project on Organic Farming

National Centre of Organic Farming

1. To promote organic farming in the country by making available the organic inputs and thereby better return for the produce.

2. To increase the agricultural productivity while maintaining soil health and environmental safety.

3. To reduce the total dependence on chemical fertilizers and pesticides by increasing the availability and improving the quality of bio fertilizers, bio pesticides in the country.

4. To convert the organic waste into plant nutrient resources. 5. To prevent pollution and environment degradation by proper

conversion and utilization of organic waste.

For bio pesticides & bio fertilizers – 25% of the project cost with an upper ceiling of Rs.40.00 lakh.

For fruit & vegetable waste compost production units – 33% of the project cost with an upper ceiling of `.63.00 lakh.

3. Agricultural Marketing Infrastructure

Directorate of Marketing & Inspection,

Marketing Division of Department of Agriculture & Co

operation

1. To develop agricultural marketing infrastructure to effectively manage marketable surplus of agriculture including horticulture and of allied sectors including dairy, fisheries, livestock and minor forest produce.

2. To promote innovative and latest technologies in agricultural marketing infrastructure.

3. To promote competitive alternative agricultural marketing infrastructure by encouraging private and cooperative sector investments

4. To promote direct marketing so as to increase market efficiency through reduction in the number of intermediaries and handling channels thus increasing the farmer’s income.

5. To promote scientific storage capacity for storing farm produce, processed farm produce, agricultural inputs etc. to reduce post harvest and handling losses.

6. To provide infrastructure facilities for grading, standardisation and quality certification of agricultural produce with the objective of a) ensuring a price to the farmer commensurate with the quality of the produce b) promoting pledge financing

For creation of storage infrastructure

33.33% of the project cost for SC /ST beneficiaries or their cooperatives, SHGs, registered FPOs, women, panchayats, Lakshadweep, hill areas, with capacity wise ceiling

25% - of the project cost for all other categories with capacity wise ceiling

For infrastructure projects other than storage

Lakshadweep & hilly areas, Women, Registered FPOs ,ST/SC beneficiaries & their Corporations – 33.33% ( maximum subsidy ceiling Rs.500.00 lakh)


14

Sl.No.


total project cost

and marketing credit, negotiable warehousing receipts system and promotion of forward and future markets to increase the income of the farmers

7. To promote Integrated Value Chain ( confined to primary processing stage only)to provide vertical integration of farmers with primary processors

8. To create general awareness and to provide training to farmers, entrepreneurs, market functionaries and other stake holders on various aspects of agricultural marketing including grading, standardisation and quality certification.

For all other category beneficiaries - 25% (maximum subsidy ceiling of Rs.400.00 lakh)

4 Scheme of Ministry of New and Renewable Energy, GoI for installation of 10000 solar photovoltaic water pumping systems for irrigation purpose, implemented through National Bank for Agriculture (NABARD)

Ministry of New and Renewable

Energy(MNRE)

1. To meet the irrigation requirements of land holdings for small and marginal farmers.

2. To reduce the dependence on diesel pump sets (operational cost increasing day by day)in electricity deficient parts of the country for the purpose of irrigation

40% of the cost or approved indicative unit cost ( whichever is less), the benchmark cost being `.190/-per Wp for solar pumping system with DC/BLDC motor pump set and Rs.161.5/-per Wp for solar pumping system with AC motor pump set.

6 National Rural Livelihood Mission (NRLM) - Aajeevika

The Ministry of Rural Development, Government of India

To ensure that SHG s are enabled to access repeat finance from Banks, till they attain sustainable livelihoods and decent living standards. This was missing in SGSY, where the emphasis was on one time support.

Revolving Fund (RF): A Revolving Fund (RF) support to SHGs in existence for a minimum period of 3/6 months and follow the norms of good SHGs, i.e they follow ‘Panchasutra’ will be provided with RF, as corpus, with a minimum of ̀ .10,000 and up to a maximum of `.15,000 per SHG, to strengthen their institutional and financial management capacity.

Interest Subvention: The Honourable Finance Minister in his budget speech for 2013-14 proposed to provide interestsubvention to Women SHGs who avail loans upto ̀ .3 lakhs at 7% per annum. The Women SHGswill get an additional subvention of 3% if they repay in time, reducing the effective rate ofinterest to 4%.


15

Sl.No.


total project cost

The initiative, in its first phase will focus on 150 most backward districts, includingthe IAP districts. All the Women SHGs promoted by NRLM or other Central or State Governmentline departments or NGOs or by NABARD under WSHG program, which are linked with thebanks, will be eligible to avail the benefits of the scheme.

Dairy Entrepreneurship Development Scheme:

Sl. No.

Component Unit Cost Pattern Of Assistance

i Establishment of small dairy units with crossbred cows/ indigenous descript milch cows like Sahiwal, Red Sindhi, Gir, Rathietc / graded buffaloes upto 10 animals.(for SHGs, Coops., POs, unit size/member)

` 6.00 lakh for 10 animal unit – minimum unit size is 2 animals with an upper limit of 10 animals.

25% of the outlay (33.33 % for SC / ST farmers,) as back ended capital subsidy, restricted on pro-rata basis to a maximum of 10 animals, subject to a ceiling of ` 15,000/- per animal (` 20,000.- for SC/ST farmers).

ii Rearing of heifer calves – cross bred, indigenous descript milch breeds of cattle and of gradedbuffaloes – upto 20 calves

` 5.30 lakh for 20 calf unit – with an upper limit of 20 calves

25% of the outlay (33.33 % for SC / ST farmers,) as back ended capital subsidy, restricted on pro-rata basis to a maximum of 20 calf unit, subject to a ceiling of ` 6,600/- per calf (` 8,800.- for SC/ST farmers).

Iii Vermicompost (To be considered with milch animals and not separately)

` 22,000/- 25% of the outlay (33.33 % for SC / ST farmers) as back ended capital subsidy subject to a ceiling of ` 5,500/- (` 7,300/- for SC/ST farmers,).

iv Purchase of milking Machines/ milk testers/bulk milk cooling units (up to5,000 lit capacity)

` 20 lakh 25% of the outlay (33.33 % for SC / ST farmers) as back ended capital subsidy subject to a ceiling of ` 5.00 lakh (` 6.67 lakh for SC/ST farmers).

v Purchase of dairyprocessing equipment for manufacture of indigenous milk products

` 13.20 lakh 25% of the outlay (33.33 % for SC / ST farmers) as back ended capital subsidy subject to a ceiling of ` 3.30 lakh (` 4.40 lakh for SC/ST farmers).

vi Establishment of dairy product transportation facilities and cold chain

` 26.50 lakh 25% of the outlay (33.33 % for SC / ST farmers) as back ended capital subsidy subject to a ceiling of ` 6.625 lakh (` 8.830 lakh for SC/ST farmers).

vii Cold storage facilities for milk and milk products

` 33 lakh 25% of the outlay (33.33 % for SC / ST farmers) as back ended capital subsidy subject to a ceiling of ` 8.25 lakh (` 11.00 lakh for SC/ST farmers).

viii Establishment of private veterinary clinics

` 2.60 lakh for mobile clinic and `2.00 lakh for stationary clinic

25% of the outlay (33.33 % for SC / ST farmers) as back ended capital subsidy subject to a ceiling of ̀ 65,000/- and ̀ 50,000/- (` 86,600/- and ̀ 66,600/- for SC/ST farmers) respectively for mobile and stationary clinics.

ix Dairy marketing outlet / Dairy parlour

` 1 lakh 25% of the outlay (33.33 % for SC / ST farmers) as back ended capital subsidy subject to a ceiling of ` 25,000/- (` 33,300/- for SC/ST farmers).


16

Funding Pattern:

Entrepreneur contribution (Margin): 10 % of the outlay (Minimum) for loans beyond `. 1 lakh (subject to any revision in RBI guidelines)

Back-ended Subsidy: as indicated in table above

Effective Bank Loan (excl. subsidy): Balance portion, Minimum of 40% of the outlay

National Livestock Mission: Livestock Development Sub Mission [Entrepreneurship Development and Employment Generation]

This Sub-Mission comprises the following schemes:

[i] Poultry Venture Capital Fund (Subsidy) Scheme

Sl. No.


i Breeding Farms for Low Input Technology Birds like turkey, ducks, emu etc.

` 30.00 lakh- Varies depending on the species and unit size.

25% of the outlay (33 .33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 7.50 lakh (` 10.00 lakh for SC/ST farmers, BPL families).

ii Central Grower Units (CGU) – upto 16000 layer chicks per batch

` 40 .00 lakh for a unit of 16000 layer chicks per batch (3 batches a year) – Varies with size.

25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 10 lakh for a batch of 16000 birds (` 13.33 lakh for SC/ST farmers, BPL families).

iii Hybrid Layer (chicken) Units – upto 20,000 layers ` 8.00 lakh for 2000 layer unit. Varies with the size.

25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 2.00 lakh for 2000 birds (` 2.66 lakh- for SC/ST farmers, BPL families).

iv Hybrid Broiler (chicken) Units – upto 20,000 birds. Can be weekly, fortnightly, monthly, all-in all-out batches. Bird strength at any point of time should not exceed 20,000 birds

` 2.24 lakh for a batch of 1,000 broilers - Varies with unit size

25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 56,000/- for a unit of 1000 birds (` 74,600/- for SC/ST farmers, BPL families).

v Rearing other species of Poultry (Other than commercial layer and broiler chicken)

` 20.00 lakh. Varies with the species and unit size

25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 5.00 lakh (` 6.66 lakh for SC/ST farmers, BPL families).

vi Feed Mixing units (FMU) - 1.0 ton/Hour; Disease Investigation Lab (DIL)

` 16.00 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 4.00 lakh ( ` 5.33 lakh for SC/ST farmers, BPL families).

vii Transport Vehicles – open cage ` 8.00 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 2.00 lakh ` 2.66 lakh for SC/ST farmers, BPL families).

viii Transport Vehicles – Refrigerated ` 15.00 lakh

25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 3.75 lakh (` 5.00 lakh for SC/ST farmers, BPL families)


17

[ii]Integrated Development of Small Ruminants and Rabbits

Sl. No.


i Rearing of sheep and goats (10 + 1) `. 50,000/- 25% of the outlay (33 .33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 12,500/- (` 16,666/- for SC/ST farmers and BPL families).

ii Sheep and Goat breeding units (100+5) `. 10 lakh 25% of the outlay (33 .33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 2.50 lakh (` 3.33 lakh for SC/ST farmers and BPL families).

iii Commercial Rabbit units (incl. broiler) `. 3.00 lakh 25% of the outlay (33 .33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 75,000/- (` 1 lakh for SC/ST farmers and BPL families).

Iv Rabbit breeding farms Varies with unit size

ix Retail outlets – Dressing units ` 10.00 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 2.50 lakh (` 3.33 lakh for SC/ST farmers, BPL families).

xi Mobile marketing units ` 10.00 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 2.50 lakh (` 3.33 lakh for SC/ST farmers, BPL families).

xi Cold storage for poultry products ` 20.00 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 5.00 lakh (` 6.66 lakh for SC/ST farmers, BPL families).

xiii Egg / Broiler Carts ` 15,000/- 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 3750/-(` 5000/- for SC/ST farmers, BPL families).

xiv Large Processing Units 2000-4000 birds per hour ` 500 lakh

25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 125.00 lakh `.166.65 lakh for SC/ST farmers, BPL families).

xv Emu Processing units `. 1000 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 250.00 lakh `.333.33 lakh for SC/ST farmers, BPL families).

xvi Feather Processing Units incl. litter management `. 500 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 125.00 lakh `.166.65 lakh for SC/ST farmers, BPL families).

xvii Technology Upgradation / innovations including waste disposal / incinerators, mini hatchers, egg vending machines, etc.

`. 500 lakh 25% of the outlay (33.33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 125.00 lakh `.166.65 lakh for SC/ST farmers, BPL families).


18

[iii] Pig Development

Sl. No.


1. Pig breeding farms 20 F+ 4M (Unit Cost –` 8.00 lakh)

25% of the outlay (33 .33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 2 lakh (` 2.66 lakh for SC/ST farmers and BPL families).

2. Commercial rearing units 3F+1M (Unit Cost – ` 1lakh)

25% of the outlay (33 .33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 25,000/- (` 33,330/- for SC/ST farmers and BPL families).

3. Retail outlets with chilling facility Unit Cost – Rs 12.00 lakh 25% of the outlay (33 .33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 3 lakh (` 4 lakh for SC/ST farmers and BPL families).

Funding Pattern [for i to iii above]:

Entrepreneur contribution (Margin): 10 % (Minimum)


Effective Bank Loan (excl. subsidy): Balance portion

[iv] Salvaging of Male Buffalo Calves

Sl. No.


1. Mini Units: Rearing of male buffalo calves upto 25 calves

`. 25,000/- per calf 25% of the outlay (33 .33 % for SC / ST farmers, BPL families) as back ended capital subsidy subject to a ceiling of ` 6,250/- per calf (` 8,333/- for SC/ST farmers and BPL families).

2. Commercial units: more than 25 to 200 calves in one location


3. Industrial rearing units: more than 200 to 2000 calves in one location


Funding Pattern:

Effective Bank Loan (excl. subsidy and Margin): Minimum 50%


Entrepreneur contribution (Margin): Balance portion


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CHAPTER 3 - CREDIT POTENTIAL FOR AGRICULTURE 2016-17 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 availability of infrastructure, availability of exploitable resources, cropping pattern, technical feasibility, agriculture practices and other developmental indices such as access to markets, etc. Some of these parameters may have undergone a change in the district since the finalization of Base PLP on account of factors such as changes in government’s priorities and policies, strengthening of rural infrastructure, market forces, cost escalation, etc., necessitating a relook at the credit potential for the year 2016-17. Further, according to the revised PSL guidelines, Agriculture Sector is broadly divided into three sub sectors viz,

(i) Farm credit (ii) Agriculture infrastructure and (iii) Ancillary activities.

The basket of activities covered under each of the above three sub sectors under ‘Agriculture Sector’ has also undergone revision and the classification of these activities in PLP document needs to be aligned according to the revised classification. Factoring in the changes in the Government policies and priorities and based on the revised PSL guidelines, the credit potential for 2016-17 has been reassessed and presented in the following chapters. 3.1 FARM CREDIT 3.1.1 CROP PRODUCTION, MAINTENANCE AND MARKETING 3.1.1.1 Introduction

Agriculture plays a major role in the district’s economy. Paddy, Banana, Tapioca and vegetables are the major food crops in the District. The major cash crops in the district are plantation crops predominated by coconut followed by rubber, pepper and cashew. The details of area, production and productivity of major crops cultivated in the district during 2013-14 are given in the following table.

Table 3.1.1.1 - Area, Production and productivity of major crops in the district

Crop 2012-13 2013-14

Area (Ha)

Production (Tonnes)

Productivity (Kg/Ha)

Area (Ha) Production (Tonnes)

Productivity (Kg/Ha)

Paddy 1816.00 4096.00 2256 2001.00 5326.00 2662

Coconut 70233.00

552 (million nuts)

7860 (Nos/Ha) 71319.68 551 (m.nuts) 7726 nuts

Pepper 2441.00 873.88 358 2529.43 909.00 359

Banana 3567.00 24291.27 6810 2342.66 18753.00 8004

Arecanut 1024.00 576.51 563 1001.13 476.00 476

Rubber 33100 37500 1132.93 31840 37470 1177

Tapioca 13625.00 414268.13 30405 14210.03 467512.00 32900

(Source: Farm guide 2014, 2015)

Crop loan accounted for 54.91 per cent of the priority sector lending and around 87 per cent of the agriculture lending in the district during 2014-15. The scales of finance for short term crop loans are fixed by the District Level Technical Committee every year before the crop season. The Scale of Finance for the year 2015-16 is given in Annexure V. (Around 3.908 lakh KCCs were issued in the district as on 31.03.2015)


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3.1.1.2. Assessment of potential for the year 2016-17

The Interest Subvention scheme with incentives for prompt repayment implemented by Government of India and additional incentives for repayment offered by State Government through Cooperative Banks and Kudumbashree have generated great demand for Crop Loans among farmers. Further, promotion of group farming through credit linked JLGs has also resulted in an increase in the disbursement of crop loans in the district. A shift in favour of Banana, fruits and Vegetables is evident in the district. The credit potential for 2016-17, is projected at `.257004.95 lakh, as given below. The block-wise and activity wise estimates are given in Appendix C, Annexure I.

Table 3.1.1.2- Credit potential for Crop production, maintenance and marketing -2016-17 (`

Lakh)

Activity Unit (no/ area)

As per Base PLP As per Revised PLP

Phy. Fin. Bank Loan Phy. Fin. Bank Loan

Paddy Ha. 3356.68 1772.33 1772.33 2625 1929.38 1929.38 Coconut Ha. 80118.71 64775.97 64775.97 75600 92080.80 92080.80 Rubber Ha. 32085.00 31764.15 31764.15 31000 32550.00 32550.00 Banana (red) Ha. 10465.00 32232.2 32232.2 5500 27885.00 27885.00 Banana (nendran) Ha. 14375.00 41903.13 41903.13 2200 10296.00 10296.00 Banana (others) Ha. 8050.00 11954.25 11954.25 2200 4538.82 4538.82 Vegetables Ha. 33350.30 67867.85 67867.85 3500 8808.80 8808.80 Pepper/spices Ha. 8625.00 10436.25 10436.25 2625 3961.65 3961.65 Tapioca Ha. 23000.00 20240 20240 15645 12516.00 12516.00 Pineapple Ha. 1373.81 1511.19 1511.19 200 263.00 263.00 Cashew Ha. 4912.11 1350.83 1350.83 1330 365.75 365.75 Turmeric Ha. 174.80 201.89 201.89 60 86.64 86.64 Ginger Ha. 151.80 183.69 183.69 100 142.30 142.30 Tea Ha. 310.50 198.1 198.1 1000 797.00 797.00 Medicinal plants Ha. 28.75 25.3 25.3 30 28.88 28.88 Pulses Ha. 690.00 49.34 49.34 200 24.00 24.00 Tuber crops Ha. 1322.50 945.59 945.59 1155 873.18 873.18 Vanilla Ha. 23.00 6.58 6.58 12 4.29 4.29 Green fodder Ha. 143.75 86.97 86.97 630 519.75 519.75 Flowers 1000No. 1265.00 2226.4 2226.4 12 24.88 24.88 TOTAL CROP LOANS (A) 289732.01 289732.01 197696.11 197696.11 Add:10% for Post Harvest/consumption (B)

28973.20 28973.20 19769.61 19769.61

Add:20% for Repair & maintenance of Farm assets (C)

57946.40 57946.40 39539.22 39539.22

TOTAL (D= A+B+C) 376651.61 376651.61 257004.95 257004.95

Other Short term Loans(E) 0.00 0.00 0.00 0.00

GRAND TOTAL (D+E) 376651.61 376651.61 257004.95 257004.95

The achievement reported by Banks as at the end of 31 March 2015 (crop husbandry total) at `.4925.41 crore, is higher than the projected potential of `.2570.05 crore for 2016-17. The higher achievement reported by banks is on account of reporting multiple drawals under KCC accounts as separate disbursements which gets reflected in the GLC to the sector, whereas the PLP potential under crop loans is arrived at based on the projected acreage under each crop and the scale of finance. Factors like ensuring end use of the gold loans and crop loans by the farmers, total possible area of cultivation, the trend in cultivation etc. are also taken into account while assessing revised potential.


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3.1.1.3. Infrastructure and linkage support taken up, planned and gaps:

3.1.1.3.1 Infrastructure and Support Services available

The agriculture department supports the agriculture sector in the district. The department is headed by the Principal Agricultural Officer of the rank of Joint Director and supported, at the block level by 12 Assistant Directors and at the Panchayat level by 89 Agricultural Officers attached to Krishi Bhavans. The district has one Agriculture College at Vellayani and one KVK at Vellanad. Details of infrastructure available in Thiruvananthapuram for supporting agriculture operations are provided in the table 3.1.1.3.

Table 3.1.1.3- Details of Infrastructure available for supporting agriculture operations

Infrastructure/ support

Institution

Soil Testing/ Fertilizer quality control and pesticide testing

Central Soil Testing Lab at Parottukonam with facilities such as pesticide/ fertilizer/ soil testing and Agmark grading laboratory.

Supply of seeds/ nurseries/ planting material

The District Agricultural Farm and Banana nursery at Peringammala, supply banana suckers, seedlings of arecanut, nutmeg and cocoa, rooted pepper cuttings, grafts/layers of mango, cashew, guava, cinnamon, minor fruit plants, tuber crops, jack fruit, ornamental plants and vegetable seeds.

State Seed Farms at Ulloor and Chirayinkeezhu.

Coconut Nursery at Valiyathura and Kazhakuttom

Network of 114 service cooperative banks.

Biotechnology and model floriculture centre at Kazhakuttom is having a well-equipped laboratory with a production capacity of 10 lakh plantlets every year.

Seeds (Paddy, Oil, fodder, pulses and vegetable)

The National Seeds Corporation (NSC)’s Area Office at Karamana and Cropping Systems Research Centres, at Balaramapuram and Karamana

Micro propagation and crop improvement

Biotechnology and model floriculture centre at Kazhakuttom undertakes micro propagation work of banana, orchids, anthuriums, pepper and vanilla and crop improvement work in orchids, anthuriums and hibiscus.

Coconut Cropping Systems Research Centres at Balaramapuram and Karamana

Seed Testing Seed Testing Lab at Parottukonam Pesticides, Fertilizers and Agricultural inputs

Network of 114 service cooperative banks.

Research

Cropping Systems Research Centres at Balaramapuram and Karamana.

Central Tuber Crops Research Institute, Sreekaryam.

Tropical Botanical Garden and Research Institute & National Research Centre for Oil Palm, Palode

RARS, Vellayani and Coconut Research Station, Balaramapuram undertake research on homestead farming and agronomic aspects of coconut respectively.

Importance and need for encouraging Pulses production in Kerala

Pulses are legumes that fix atmospheric nitrogen thereby enriching soil by adding organic matter

through leaf mould.

Pulses are rich in proteins and the main source of protein in Indian diet

They play an important role in crop rotation, mixed and intercropping, as they help maintaining

the soil fertility.

Requires less or no manuring and can be grown in rainfed conditions. They are helpful for

checking the soil erosion as they have more leafy growth and close spacing.

They supply additional fodder for cattle and can be turned into soil as green manure crops.

The paddy fields offer ideal condition for pulses cultivation and can be taken up by farmers as a remunerative summer crop in view of high market price


22

Farmer education/ training in modern agriculture practices. Technology transfer

Regional Agricultural Technology Training Centre (RATTC), Kazhakuttom

The KVK attached to Mitraniketan

NABARD sponsored Farmers’ Clubs disseminate good agricultural and banking practices.

Grading Agmark Grading Lab, Venpalavattom

Marketing

EEC assisted agricultural wholesale markets at Anayara and Nedumangad.

23 Farmer Markets (Swasraya Karshaka Vipanies) and 8 collection centres (branches) supported by Vegetable and Fruits Promotion Council of Kerala (VFPCK) to improve the bargaining power of member farmers, thereby realizing better prices for their produce.

One fruit and vegetable value addition unit set up by VFPCK at Kalliyoor to supply safe to eat vegetables and fruits to consumers in the urban areas.

Irrigation 80 RIDF minor irrigation projects

Guidance on crop insurance

An office of the Agricultural Insurance Company of India guides banks, agricultural department/ agencies and farmers.

The National Agricultural Insurance Scheme (NAIS), introduced in 1999-2000, covers paddy, ginger, turmeric, pineapple, tapioca and banana.

The State Crop Insurance Scheme covers 25 crops.

Processing/ marketing

Small Farmers’ Agribusiness Consortium (SFAC) facilitates production, processing and marketing of agricultural commodities by fostering group activities on a sustainable basis.

Central Arecanut and a Cocoa Marketing Producers' Co-operative Society at Nedumangad.

Support to Vegetable and fruit cultivation

The Vegetable and Fruits Promotion Council of Kerala (VFPCK) is improving the livelihood security of fruit and vegetable farmers through SHGs under participatory approach, by adopting a comprehensive approach. VFPCK integrates essential supports including the supply of necessary inputs, farm extension, skill development, credit and market support.

3.1.1.3.2 Assessment of infrastructure gap

Facilities for storing (godowns and cold storages), processing, transporting and marketing infrastructure are inadequate in comparison to production capacity and diversity of products, particularly for crops with short shelf life like vegetables, fruits, mushrooms, etc.

Though there is potential for processing and value addition for major crops like Tapioca and Banana and minor crops like Mango, Pineapple, Papaya, Jackfruit, Cashew, Pepper, Ginger, Turmeric etc., infrastructure and enterprise in this regard are rudimentary.

3.1.1.4. Critical intervention required for creating definitive impact on agriculture:

Development of value chains to support production and marketing of agriculture produce in the district will boost the sector. Coordinated efforts of VFPCK, Kudumbashree and Horticorp in vegetable production, procurement and marketing is required to make horticulture a commercially viable activity.

The district is blessed with two EEC assisted markets at Anayara and Nedumangad, which are at present underutilized. Hence intervention is required to link production centres with these markets.

Whole sale markets with modern infrastructure for post-harvest storage, handling and marketing of horticulture produce may be developed in the district in PPP mode.


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3.1.1.5. Suggested Action Points

3.1.1.5.1 Banks

As per the instructions of Govt. of India, all eligible farmers are to be covered by agriculture credit. Therefore, banks may bring more farmers into the institutional fold, assess their credit requirements scientifically and ensure end use of crop loans more particularly Agricultural Gold loans.

Achieve 100% coverage of farmers in the district under Kisan Credit Card Scheme.

Ensure Insurance under KCC/NCIP (National Crop Insurance Programme) for notified crops.

Finance tenant farmers, oral lessees, sharecroppers and joint liability groups.

Encourage Flexi credit/ Homestead farming schemes.

3.1.1.5.2 Government Departments

Encourage use of quality seeds, fertilizers and pesticides and mechanization through effective extension.

Create favorable policy environment for leasing lands to SHGs/JLGs and promote group farming/cultivation in fallow land.

Entrust PRIs with local level plans for diversification/ introduction of high value crops, linking subsidy programmes to bank credit.

Prevent conversion of paddy fields

Promote commercial production of organic inputs and encourage organic farming.

Certification of organic farm produce Improve and diversify crop specific storage, marketing and processing infrastructure.


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3.1.2 WATER RESOURCES

3.1.2.1. Introduction Thiruvananthapuram district has one major irrigation project (Neyyar), one medium irrigation project (ongoing Vamanapuram) and a number of minor irrigation projects. The district receives a normal rainfall of 1803 mm. The net sown area is 130360 ha and net irrigated area is 7133 ha the percentage of net irrigated area to net sown area works out to 5.47%, much below the state average of 19.33%. Minor irrigation structures suitable for the various areas in the district are :

Table 3.1.2.1- Minor irrigation structures suitable for various areas in the district

STRUCTURE TYPE / AREA

Bore wells Highly sheared, fractured and jointed rocky areas of the district

Tube wells Coastal sedimentary (Varkala, Edava, Vengannoor, Kottukal, Veli, Kazhakuttom, Chowara, etc)

Filter point wells (shallow tube wells)

Coastal sandy areas where phreatic aquifers are available within a depth of about 10 m. (Valiathura, Kazhakuttom, Poovar, Karichal, Puthukurichy and Kaniapurarm)

3.1.2.2 Ground Water Potential and Stage of Development as on 31.3.2009 (in MCM)

As per the Ground water Estimation Report of 2008-09, Nedumangad, Trivandrum Rural, Nemom, Athiyannoor and Parassala block are classified as Semi Critical blocks and the rest are categorized as 'Safe' blocks. The overall stage of Development of ground water resources in the district is 56.12 %. The data on ground water utilisation in the district indicates that the share of irrigation in total ground water usage is only 23% as against the overall stage of development of 56.12%. During the year 2014-15, the ground level credit flow for Water resources declined by 43.14% to the level of `.3301.55 lakh as compared to the achievement of `. 5806.52 lakh during 2013-14 and accounted for just 50.57% of the DCP target. The ground level credit flow during the last three years is given in Annexure III. 3.1.2.3. Assessment of credit potential for the year 2016-17

Considering the fact that the irrigated area out of the net cropped area is only 5.47%, the irrigation potential in the district needs to be developed with greater emphasis on water saving techniques like drip and sprinkler systems, promoting lift irrigation and facilitating Rainwater Harvesting. The exploitable potential under minor irrigation has been estimated as `.4615.80 lakh for 2016-17. The block-wise, activity wise physical and financial projections are given in Appendix C to Annexure I.

Table 3.1.2.2- Credit potential for Water resources during 2016-17 (` Lakh)

Activity Unit (No/area)

As per Base PLP As per Revised PLP (` lakh)

Phy. Fin. BL Phy. Fin. BL

Dugwell No. 2325 883.50 795.15 2700 1350.00 1215.00

Fil.Pt/Well No. 460 92.00 82.80 700 140.00 126.00

Pumpset No. 1510 416.76 375.084 2700 745.20 670.68

Drip Coconut Ha. 395 102.70 92.43 500 130.00 117.00

Drip Banana Ha 1270 807.72 726.948 1570 1169.65 1052.69

Sprinkler Ha 115 55.20 49.68 135 64.80 58.32

Pumphouse No. 735 79.38 71.442 800 96.00 86.40

Storage Tank No. 335 67.00 60.30 385 96.25 86.63


25

Activity Unit (No/area)



Pipeline Ha 350 49.00 44.10 400 62.40 56.16

Lift Irrigation Ha 55 33.00 29.70 55 41.25 37.13

Renovation Of Well No. 300 50.40 45.36 340 57.12 51.41

Bore Well + Pump Set No. 280 225.12 202.608 300 325.50 292.95

Rain Water Harvesting No. 2540 822.96 740.664 2625 851.50 765.45

3684.74 3316.266

5128.67 4615.80

3.1.2.4. Availability and gaps in Infrastructure and support services 3.1.2.4.1 .Infrastructure and Support Services available, taken up and planned Ground Water resources are monitored by the district unit of the Ground Water Department. The department is headed by Executive Engineer and assisted by senior Hydrogeologists. The department has created a water level network for the district. The Central Ground Water Board also has its office in Thiruvananthapuram. There is one Full Climatic Station (FCS) at Perumkadavila under the Hydrology Project. Irrigation Department implements various projects pertaining to major, medium and minor irrigation. The Minor Irrigation division of the irrigation department is involved in the formulation and implementation of various surface water based minor irrigation projects. The Department has three subdivisions viz; Thiruvananthapuram, Neyyattinkara and Attingal. 3.1.2.4.2 Assessment of infrastructure gap Shortage of Drilling Rigs exists in the district. Delay in energisation of pumpsets renders investments infructuous. 3.1.2.4.3 Critical interventions required

Banks may make efforts to popularise drip and sprinkler systems, through credit in association with Krishi Bhavans. Banks may circulate Model Schemes and Unit costs approved by NABARD to their branches to facilitate credit flow to the sector.

Department of Agriculture may popularize micro irrigation practices and dovetail subsidy linked micro irrigation (Drip and Sprinkler) schemes with bank credit.

State Government may plan for water harvesting structures like farm ponds, check dams, watershed activities and popularize water conservation measures like drip/ sprinkler irrigation through line Departments, Panchayats, NGOs, etc.

The minor irrigation department may implement small lift irrigation schemes in critical/ semi critical blocks.


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3.1.3 FARM MECHANISATION

3.1.3.1. Introduction Farm Mechanization is the process of transforming agriculture from a labour intensive activity to a mechanized procedure, which greatly enhances farm productivity. Farm mechanization enables efficient utilization of inputs, seeds, fertilizers and irrigation water. Tractors, power tillers, sprayers, winnowers, combined harvesters, etc. are the most commonly used agricultural machines / implements in farming operations. The average land holding size in the district is about 0.12 ha, majority of farmers are either small or marginal. The investment avenues for such farmers to mechanize their farm operations is severely restricted and they are reluctant to avail bank credit for purchase of small farm implements/ equipment. The undulating topography of the district is a deterrent for using heavy machines like tractors and power tillers. The preference of farmers to move away from field crops to perennial crops, especially from paddy to rubber and coconut, results in low demand for tractors and power tillers. The major portion of bank credit under the sector goes for purchase of equipment/ implements other than tractors and power tillers. NABARD, from the year 2005-06 onwards provides refinance assistance for purchase of second hand tractors, repair of tractors and replacement of spare parts to promote investments under farm mechanization. 3.1.3.2. Assessment of Potential for the years 2016-17 It is observed that though there is limited demand for tractors and power tillers, there is a spurt in the demand for other small agricultural equipment and implements and the trend in ground level credit flow to the sector is positive. Based on these trends, the credit potential for farm mechanization for 2016-17 has been estimated at `.7186.91 lakh as against the base PLP projection of `.5270.85 lakh. The block-wise and activity-wise estimates are given in Appendix C, Annexure I.

Table 3.1.3.1- Credit potential for Farm Mechanization during 2016-17 (` Lakh)

Activity Unit As per Base PLP As per revised PLP (` lakh)


Tractor No. 25 198.75 178.88 24 205.20 184.68

Power Tiller No 55 140.25 126.23 55 140.25 126.23

Sprayers/ Dusters No 1050 157.50 141.75 1700 340.00 306.00

Other Equipment No 6700 5360.00 4824.00 7300 7300.00 6570.00

Total 5856.50 5270.86 7985.45 7186.91

3.1.3.3. Infrastructure and linkage support available, planned and gaps 3.1.3.3.1The Agriculture Department has officers at block level (Assistant Directors) and Panchayat level (Agricultural Officers attached to Krishi Bhavans) to extend necessary support and guidance to farmers on farm mechanization activities. Kerala Agro Industries Corporation is the main agency dealing in power tillers, tractor and other implements. The other agencies, which cater to the farm mechanization needs of farmers in the district are Kerala Agri. Machinery Corporation (KAMCO), which produces power tillers and RAIDCO, which supplies tractors, power tillers, paddy threshers etc. The Department of Agriculture has a Regional Agriculture Technology Training Centre (RATTC) at Kazhakuttom and Agricultural Engineering Wing at Perunthanny for attending to aspects like popularization of the equipment/ implements, arranging supply, servicing, etc.


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3.1.3.3. 2 Assessment of infrastructure gap The topography of the district and size of land holding is not encouraging for extensive use of tractors, power tillers, etc. There is a need to design, develop and adopt farm tools, implements and machines suitable for rainfed and irrigated farming, hilly and plain regions and for use in small land holdings using mechanical and electrical power. 3.1.3.3.3 Critical intervention required for creating definitive impact

Agriculture Department may encourage farmers/inventors to design, develop and customize farm tools, implements and machines for small land holdings.

Research institutions / Agriculture department may collaborate to design, develop and adopt farm tools, implements and machines for rainfed and irrigated farming, hilly and plain regions and small land holdings, designs suitable for animate, mechanical and electrical power sources, which help to increase crop production, land and labour productivity and also reduce drudgery.


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3.1.4 PLANTATION AND HORTICULTURE

3.1.4.1. Introduction Plantation and horticulture is a predominant economic activity in Thiruvananthapuram district. The topography, the intensity of rainfall, the soil type and its fertility facilitates cultivation of a variety of plantation and horticulture crops like coconut, rubber, cashew, pepper and tea in the district. There is scope for credit deployment to modernize cropping and agronomic practices among small and marginal farmers. Adoption of better varieties by procuring quality planting material and re-plantation of senile plantations have good potential to absorb credit. The major plantation and horticulture crops of the district are Coconut, Rubber, Pepper, Tapioca & Banana. The area of cultivation, production and productivity of major crops of the district is given in Chapter 3.1.1 The status of coconut, the major plantation crop in the district, is indicated below. Coconut : Coconut cultivation in the district was showing a slow decline in area during the past few years. It has gradually come down to 71319.68 ha in 2013-14 from 84078 ha in 2005-06. Production and productivity has also been declining during the period from 2005-06 to 2013-14. During 2013-14 the production of coconuts in the district was 551 million nuts with the productivity of 7726 nuts/ ha. The district has 255 Coconut Producer’s Societies, 12 Coconut Producers Federation and one Coconut producer Company, viz. Ananthapuri Coconut Producers’ Company. There is need to encourage farmers to undertake replantation of coconut in order to attain higher levels of production and productivity. The efforts of Coconut Development Board to introduce new value added products like Neera, Virgin Coconut oil, coconut chips etc. are likely to make coconut farming a more profitable venture for the farmers.

3.1.4.2. Assessment of credit potential for the year 2016-17 Plantation and Horticulture activities play a dominant part in the economy of the district. On the basis of infrastructure developments and other aspects, the credit potential for Plantation and Horticulture sector during 2016-17 is projected at `. 50106.24 lakh. The block-wise and activity-wise projections are given in Appendix C to Annexure I.

Table 3.1.4.1- Credit potential for Plantation and Horticulture (` Lakh)


As per Base PLP As per revised PLP (` lakh)

Phy Fin BL Phy. Fin. BL

Cashew Ha 220 172.7 155.43 205 193.32 173.98 Coconut-Replant Ha 13000 17550 15795 14400 21700.80 19530.72 Rubber- Plantn Dvpt. Ha 7200 8784 7905.6 1500 4687.50 4218.75 Rubber-Nursery Ha 310 517.7 465.93 34 56.78 51.10 Rubber- Rollers 4.5”x24” 800 240 216 65 19.50 17.55

Rubber Sheet Driers RRSD

240 800 720 648 170 153.00 137.70

Smoke Houses 200 kg 850 552.50 497.25 170 110.50 99.45 Pepper-New Plant Ha 300 273 245.70 295 424.21 381.79 Pepper Rejuvenation Ha 285 236.55 212.895 278 230.74 207.67 Arecanut Ha 160 248 223.20 208 383.34 345.01 Betelvine 5 cents 70 8.40 7.56 155 18.60 16.74 Tea - Replant Ha 110 450.12 405.108 100 409.20 368.28 Mango Ha 140 168 151.2 135 162.00 145.80 Medicinal Plants Ha 615 227.55 204.795 650 260 234 Nursery - Misc 0.40 Ha 320 352 316.8 340 408 367.20 Mixed Cropping Ha 18400 20792 18712.80 20550 25482 22933.80 Orchid/ Anthurium 1000 310 403 362.70 275 412.50 371.25


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Phy Fin BL Phy. Fin. BL

No.s Jasmine/ Flowers 5 cents 235 23.50 21.15 225 24.75 22.28 Sericulture Ha 125 87.50 78.75 105 73.50 66.15

Mushroom 100

kg/batch 850 131.75 118.575 1010 166.65 149.99

Vanilla Ha 15 28.725 25.8525 15 28.73 25.85 Apiculture 25 boxes 100 25 22.50 135 33.75 30.38 Rambuttan 0.40 Ha - - - 57 161.99 145.79 Naturally Ventilated Polyhouse

10 cents - - - 12 64.56 58.10

Rain Shelter House 100 sq.m

- - - 12 7.68 6.91

Total

51992 46792.80

55673.60 50106.24

3.1.4.3. Infrastructure and linkage support available, planned and gaps 3.1.4.3.1 State Horticulture Mission (SHM) supports holistic development of 15 identified crops like Mango, Pineapple, Banana, vegetables, medicinal plants etc. National Horticulture Board (NHB) with its Regional office functioning in the district implements various subsidy schemes with Central Government assistance. The district has one Agriculture College at Vellayani and one KVK at Vellanad. In addition to the institutional infrastructure indicated in Table 3.1.1.3, the following arrangements are also in place in Thiruvananthapuram district for supporting horticulture development.

(i) Three Farmer Producer Organisations (FPOs) are being promoted and supported by NABARD in the district for development of specific crops/activities with financial assistance from PRODUCE fund, details of which are given below.

FPO for value addition of jackfruit, vegetables and tapioca at Kottukal (covering seven panchayats) being set up by Santhigram.

FPO for honey production and processing being set up by Kerala Gandhi Smarak Nidhi

FPO for rubber production and processing by Ananthapuri Rubbers Ltd.

(ii) Sanghamaithri Farmer Producer Company Ltd. Kerala (SFPCK) (commenced operations in 2003 as Sanghamaithri Karshikolpanna Sambarana Vipanana Sangam) was set up in the district during the year 2011 for procuring all farm produce of vegetable farmers by offering better price avoiding the middle men and selling them directly to consumers. The company has a membership of more than 5000 farmers. Besides giving technical advice to farmers, the company also supplies all the basic needs of the farmer like improved seeds, fertilizer, organic manures and necessary tilling machines at affordable rates. The agency has also set up a training and capacity building centre with financial support from NABARD under Producers Organisation Development Fund (PODF).

(iii) Leading voluntary organisations and local self-government institutions (LSGIs), in

association with the State Horticulture Mission, have formed a Jackfruit Promotion

Council (JPC) for the promotion of jackfruit in the context of food security and

production of value-added products for wider consumption.


30


Absence of nursery for good quality planting material

Availability of quality tested organic inputs and certification.

Godowns, storage facilities and agri-marketing are not adequately developed as compared to level of production. Only a few commodities are traded through Anayara and Nedumangadu markets. No organized marketing facilities are available for cut flowers, orchid and anthurium.

Shortage of high yielding planting material, agri. clinics, agro processing centres and agri. kiosks. 3.1.4.3.3. Critical intervention required for creating definitive impact

The bio technology labs in the district may be expanded to increase the production of quality planting materials. Supply of reliable and affordable planting material is critical for sustaining agriculture in the district.

With increased awareness and enthusiasm generated in the farmers to adopt organic methods of cultivation, establishment of quality testing labs for organic certification is critical to sustain the movement of organic cultivation.

Construction of new godowns, storage facilities and agri-markets for horticulture and floriculture produces.


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3.1.5 FORESTRY AND WASTE LAND DEVELOPMENT

3.1.5.1. Introduction Thiruvananthapuram district has a total geographical area of 2,18,781 ha of which, the area under forests is 49,861 ha (22.70 per cent, less than the state average of 27.83 per cent). Further, 56 hectares are under social forestry and 418 ha are of cultivable wasteland. Majority of the forest area is reserve forests. Neyyar wild life sanctuary (128 sq.km) is located in the district. The major forest produces are timber, firewood, honey, reeds, bamboo and sandalwood. The approach and strategies for achieving the set target include preservation of natural forest including biodiversity hot spots, extension of participatory approach in forest management, encouraging homestead and agro forestry practices, development of non-wood forest produces, etc. 3.1.5.2. Assessment of credit potential for the year 2016-17 Based on the infrastructure changes and other aspects, the credit potential for 2016-17 has been slightly enhanced to `. 466.56 lakh, as compared to the Base PLP projections. The block-wise projections of the revised projections are indicated in Appendix C to Annexure I.

Table 3.1.5.1- Credit potential for Forestry and Waste Land Development (` Lakh)




Waste Land Dvpt. No. 550 396.00 356.40 575 414.00 372.60

Farm Forestry No. 130 93.60 84.24 145 104.40 93.96 Total For WLD 489.600 440.64 518.40 466.56

3.1.5.3 Infrastructure and linkage support available, planned and gaps 3.1.5.3.1. Infrastructure available

The District Forest Office headed by Divisional Forest Officer looks after reserve forests. Social forestry division of Forest Department headed by Chief Conservator of Forests is responsible for implementation of farm forestry /wasteland development including supply of planting materials.

The social forestry wing of Forestry Department implements a number of schemes for promoting afforestation and cultivation of medicinal and aromatic plants among public. Thiruvananthapuram District Panchayat implements a Project for protection of the riverbanks by planting bamboo viz “Karamana Nadiyora Samrakshanam”.

3.1.5.3.2Assessment of infrastructure gap Dearth of adequate planting materials of the desired species is a major problem. 3.1.5.3.3 Critical intervention required Awareness campaigns about the benefits and profitability of social forestry and supply of adequate planting materials of the suitable species of trees are required to boost the investment in the sector.


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3.1.6 ANIMAL HUSBANDRY- DAIRY DEVELOPMENT

3.1.6.1. Introduction As per the 19th quinquennial livestock census 2012, Thiruvananthapuram district has a total bovine (cattle) population of 1,02,224 and buffalo population of 3752. Of the total cow population of 98,412, about 97,679 are crossbred and 793 are indigenous. Dairy farming, mostly taken up as backyard allied activity is the most important animal husbandry activity in the district. The number of households and household enterprises owning cattle and buffaloes in the district as per the Census is 43047 and 2269 respectively. The milk production, procurement and sales in the district have been increasing steadily over the years as can be seen from the under-noted table:.

Table 3.1.6.1- Details of milk procurement and sales by Kerala Co-operative Milk Marketing

Federation (KCMMF) in the district Year 2010 -2011 2011 – 2012 2012 - 2013 2013-2014

Production (lakh litres) 2346.83 2423.22 2620.76 NA No. of functioning Dairy

cooperative Societies (DCS) 330 333 342 417

Quantity of milk procured under KCMMF (lakh litres)

270.10 288.35 324.85

346.86

Annual Sales (lakh litre) 777.45 751.90 740.95 741.21

3.1.6.2. Assessment of credit potential for the year 2016-17

The ground level credit flow under dairy during the year 2014-15 was `.7353.73 lakh as against the DCP target of `.5066.85 lakh. Taking into account the infrastructure available and planned, the priorities, plans, government schemes and programmes as well as the area development schemes to promote the sector, the exploitable credit potential under Dairy Development, for 2016-17, has been projected at `.28000.86 lakh, the block wise and activity-wise projections of which are furnished in Appendix C to Annexure I.

Table 3.1.6.2- Credit potential for Dairy Development during 2016-17 (`. Lakh)




C.B.Cow – 1 cow unit with shed

No. 24900 7470.00 6723.00 25700 24415.00 21973.50

Gr. Murrah Buffalo (1 animal with shed)

No. 720 316.08 284.472 700 773.50 696.15

Female cross-bred Calf Rearing ( 1 calf)

No. 7700 2086.70 1878.03 5275 2848.50 2563.65

Feedmix Unit (8 T/Shift) No. 6 139.68 125.71 6 139.68 125.71

Fodder Development Ha 13000 2184.00 1965.60 13800 2760.00 2484.00

Milk Prod/ Mfg (50 Lpd) No. 90 15.147 13.63 120 24.00 21.60

Dairy Unit- 2 Buffalo+ 3cow

No. 15 37.50 33.75 23 115.69 104.12

Male Buffalo Calf Rearing(1 Calf)

No. 25 21.75 19.575 70 35.70 32.13

Total DD Sector 12270.86 11043.77 31112.07 28000.86

3.1.6.3 Infrastructure and linkage support available, planned and gaps 3.1.6.3.1 Infrastructure and Support Services available

The Department of Dairy Development, Department of Animal Husbandry, Kerala Cooperative Milk Marketing Federation (KCMMF – MILMA) and the Kerala Livestock Development Board (KLDB) are the major State Government Agencies involved in the promotion of dairy sector in the district. The District Animal Husbandry Officer, in the rank of a Joint Director, and


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supporting staff are engaged in promoting animal husbandry activities including dairy in the district.

The Department of Dairy Development, equipped with extension service units, implements a host of promotional programmes for the development of dairy sector in the district. The major activities to augment milk production include Rural Dairy Extension and Advisory Services, Organisation of Dairy Cooperatives, Strengthening of Dairy Cooperatives, Fodder Development Programmes, Milkshed Development Programme, Cattle feed subsidy scheme, Assistance to dairy cooperative societies and Strengthening of Quality control units.

The Department of Animal Husbandry looks after the health care aspects of animal population. The district has one district veterinary centre, 23 veterinary hospitals, 71 veterinary dispensaries, 251 artificial insemination centres, 2 polyclinics and one mobile dispensary, as given in the undernoted table.

Table 3.1.6.3 Infrastructure facilities available with Animal Husbandry Department

Poly Clinics

Hospitals Dispensary AI Centers ICDP Sub-

centre Mobile

dispensary

Frozen semen centers/AI

facilities 2 23 71 251* 144 1 241

* including dispensaries, hospitals, etc.

Under the Intensive Cattle Development Programme being implemented by the Animal Husbandry Department, four livestock (cattle) farms have been established for rearing high yielding varieties of cows and buffaloes, viz., Jersey Farm at Vithura, Trivandrum, District Livestock Farm at Kudappanankkunnu, Trivandrum, Jersey farm Extension Unit at Chettachal and Buffalo Breeding Farm at Kuriottumala. These farms function as demonstration cum training centres for providing technical know-how and information to the public on improvement of milk production, cattle management, feeding practices etc.

Kerala Co-operative Milk Marketing Federation Ltd. (MILMA) is the main agency procuring milk through its affiliated societies. The district has 336 APCOS dairies and 81 traditional dairies.

There was a gap of 416.10 lakh litres between the demand and supply position of milk in the district in 2013, which can support higher investments particularly for dairy units with ten or more cows/ buffaloes.

Availability of feed and fodder is of prime importance in reducing the cost of production and optimizing economic returns from the dairy activity. Special focus is being given to fodder and feed production in the State to overcome the situation through various measures by KLDB and Dairy Development Department. The cattle feed subsidy scheme is being implemented by providing subsidy as milk production incentive @ `.1/- per litre of milk supplied by the dairy farmer at the DCS. The State has three cattle feed plants functioning at Pattanakkad and Malampuzha with a combined production capacity of 600 MT per day and Kerala Feeds Limited at Kallettumkara with a capacity of 650 MT per day. The production from these plants is insufficient to meet the demand of cattle feed in the state. The new projects of Kerala Cattle Feeds Ltd. is nearing completion and is expected to reduce the gap in demand and supply to certain extent.

A fodder farm is functioning at Valiathura under the Dairy Development Department which utilizes the city sewage for irrigating fodder fields and sells green fodder to dairy farmers in the district. The Sewage Farm at Valiathura is being modernized to “State Fodder Farm” including a training centre for fodder production.

Centrally Sponsored Schemes:

(a) Under Rashtriya Krishi Vikas Yojana (RKVY), the scheme for providing assistance for 2 cow mini dairy units to one lakh youth beneficiaries of the State is being implemented.


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(b) The Haridhara Project envisages providing assistance to member Dairy farmers of Killi SC ST Service Cooperative Bank to take up dairy farming as the main livelihood and increase milk production.

(c) The CSS for quality control activities for milk and milk products under the RKVY project provides assistance to ensure hygienic requirements at farm level to comply with FSSAI requirements by creating awareness among dairy farmers, preventing losses due to spoilage of milk etc.

(d) GoI has introduced a capital subsidy scheme for promotion of dairy development viz., Dairy Entrepreneurship Development Scheme (DEDS) under which credit linked subsidy @ 25% is available for mini-dairy (2-10 animal units), heifer rearing, milk processing, milk transportation, bulk coolers, private veterinary clinics etc. The scheme is in operation subject to budgetary restrictions.

Under the Automation cum DBT (direct benefit transfer) programme of the Dairy Development Department, all the dairy extension service units have been elevated to farmer information centres equipped with library facility, desktop systems and telephone cum internet facilities. The Department in association with C-DAC has completed the automation software of the Department. As part of the programme, around 100 touch-screen KIOSK with fingertip information have already been installed in DCS throughout Kerala, The Department is also planning to set up a computer centre at DTC, Trivandrum making use of the central fund for the purpose of imparting training to Department Level Officers and Dairy cooperative personnel of the state.


Shortage of green fodder, Shortage of good quality milch animals, Lack of adequate capacity for chilling and processing milk and shortage of facilities to convert milk to milk products with greater shelf life are major gaps affecting the growth of the sector.

3.1.6.3.3 Critical intervention required for creating a definitive impact in the sector:

Supply of good quality milch animals to farmers and interventions to address the shortage of green fodder, reduce the cost of cattle feed and other inputs will give a major boost to the growth of dairy sector as an alternate income source to farmers. Dairy development Department shall take steps to transfer technology related to value addition of milk and preservation of milk and milk products to increase the shelf life of dairy products.

3.1.6.4 Suggested Action Points

(a) Banks i. Banks may extend financial assistance to dairy sector utilizing the credit linked capital subsidy scheme of GOI viz., DEDS. ii. Banks may extend support for setting up of private veterinary clinics by veterinary graduates under the credit linked subsidy scheme for setting up Agriclinics and agribusiness centres (ACABC) iii. Banks may implement the Area Development Scheme/banking plans for promotion of dairy units with linkage support from DDD, DAH, PRIs, MILMA etc.

(b) State Government

i. A cattle feed plant may be set up in the district in the Government /cooperative sector. ii. Calf rearing may be promoted as a commercial venture by providing adequate incentives. iii. Cultivation of high yielding fodder varieties and large scale intercropping of fodder in coconut

holdings may be taken up with the support of PRIs. iv. SHGs/NHGs/JLGs may be encouraged to take up fodder cultivation on leased lands. v. Efforts may be made to set up fodder banks at block level and supply through milk routes. vi. Dairy farming may be included as an eligible activity under NREGP to promote the activity

among rural farmer.


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3.1.7 ANIMAL HUSBANDRY - POULTRY DEVELOPMENT

3.1.7.1 Introduction Poultry rearing is an allied activity providing supplementary income as well as nutrition to families in the form of eggs and meat. Thiruvananthapuram district has got high demand for eggs and poultry meat. Backyard poultry is taken up in rural areas particularly among Kudumbashree NHGs and other SHGs. The types of birds reared are fowls, Ducks, Turkey, Quails, etc., and their distribution in the district has increased by 37% during the period from 2007 to 2012, as revealed by the livestock census of 2007 and 2012 (Table 3.1.7.1).

3.1.7.1 Distribution of poultry in the district

Census Fowls Ducks Turkey Quails

Other poultry birds

Total

18th Livestock Census 2007

1194190 30056 7100 9977 30968 1272291

19th Livestock Census 2012

1610211 74070 8927 10810 39214 1743232

(Source: livestock census 2007& 2012)


Taking into account the existing infrastructure and plans for the future, perceptions of the developmental departments and other agencies, the potential for the year 2016-17 has been projected at `.4553.29 lakh, the block wise and activity wise projections of which are given in Appendix C to Annexure I.

Table 3.1.7.2- Credit potential for Poultry Development (` Lakh)

Activity

Unit


Phy Fin BL Phy Fin BL

Broiler 250 birds 2400 2068.80 1861.92 2500 2567.50 2310.75

Layer (Cage system) 100 birds - - - 2200 1100.00 990.00

Egger Nursery 250 birds 85 53.13 47.81 120 82.44 74.20

Hatchery 100 bird unit @ `.25 lakh /unit

1000 birds 40 880.00 792.00 20 500.00 450.00

Egg Cart Scheme @ `.2.50 lakh per unit

No. 140 350.00 315.00 135 337.50 303.75

Feed Plant@ `.21.50 lakh per unit of 8T/shift

8T/shift 8 172.00 154.80 7 150.50 135.45

Poultry Processing – 500 bird unit @ `.6 lakh per unit

No. 18 198.00 178.20 14 84.00 75.60

Duck Rearing 500F+75M 55 55.41 49.87 50 88.05 79.25

Quail Rearing - Layer 1000 nos 55 62.98 56.68 25 28.63 25.76

Quail Rearing - Broiler 250 /week 5 8.80 7.92 5 8.80 7.92

Backyard Poultry 50 chicks 280 12.60 11.34 600 105.00 94.50

Mother Unit For Backyard Poultry

1500 chicks 10 13.60 12.24 5 6.80 6.12

TOTAL PF SECTOR 3875.32 3487.78 5059.22 4553.29


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3.1.7.3 Infrastructure and linkage support available, planned and gaps

3.1.7.3.1. Availability of Infrastructure and Support Services Animal Husbandry Department looks after poultry development activities. The Kerala State Poultry Development Corporation (KSPDC) promotes backyard poultry, arranges supply of quality chicks, feed, technical guidance etc. The Broiler breeding farm and hatchery of KSPDC at Kudappanakunnu (“KEPCO.VENCOBB” and quail chicks also available) and the Regional Poultry Farm (RPF) at Kudappanakunnu supply day old chicks. 18 Egger Nurseries source day old chicks and pullets from RPF and distribute to farmers through veterinary institutions. The district also has Live Stock Training Centre, Kudappanakunnu, Meat processing plant at Pettah, two feed compounding units owned by AH Department and KSPDC, two layer hatcheries and one private broiler hatchery. 3.1.7.3.2 Assessment of infrastructure gap

High input costs, shortage of day old chicks and ducklings, virtual control of markets by private hatchery owners from outside the state and flooding the market with eggs at cheaper rates inhibits investment in the district for layer units.

High cost of feed and labour, uncertainties in levels of production and absence of organized marketing support, prevent investments in broiler poultry farms despite the potential.

Poultry units under cage conditions encounter high cost of feed and poor management.

3.1.7.3.3. Critical Intervention required for creating definitive impact in the sector:

Augmentation and modernization of infrastructure and establishment of hi-techlaboratories in the area of disease diagnostics & forecasting, feed/food microbiology, feed and poultry processing and quality as per International standards will help the poultry industry.

An efficient marketing network for small and medium poultry farmers as well as quality assurance of poultry products along the value-chain with adequate refrigerated transport/cold storage facilities at terminal markets should be established.


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3.1.8 ANIMAL HUSBANDRY – SHEEP, GOAT AND PIGGERY DEVELOPMENT

3.1.8.1 Introduction Rearing of Goats is gaining currency in the district as these are less labour intensive and requires very less space compared to dairy and poultry activities. However, rearing of pigs is not popular due to adverse public reaction to pig units in the neighborhoods. In general, the activity under this sector is limited to small units. As per the 19thquinquennial animal census 2012, the distribution of the animals is indicated below.

3.1.8.1. Distribution of Sheep, Goat and Piggery in the district

Goats Pigs Sheep 163980 2612 31

(Source: livestock census 2012)

2. Assessment of Potential for the year 2016-17 Taking into account the infrastructure changes and other aspects, the credit potential for 2016-17 has been projected at `.7725.79 lakh. Block wise and activity wise projections are given in Annexure I.

Table 3.1.8.2- Credit potential for Goat, Piggery and Rabbit (` Lakh)

Unit (no/

area)


Activity Phy Fin BL Phy Fin BL

Goat Rearing 3 Does 7850 2013.53 1812.17 7950 3633.15 3269.84

Goat Rearing 3 D + 1 B 1500 701.25 631.13 1535 1074.50 967.05

Commercial Goat Rearing

100D + 4B 200 2063 1856.70 180 3136.32 2822.69

Pig Fattener 10 piglets 240 274.56 247.10 230 448.04 403.24

Pig Breeding 3S + 1B 155 232.34 209.11 150 292.20 262.98

Rabbit Rearing 10 D + 3 B 15 33.75 30.37 - - -

TOTAL S-G-P SECTOR

5318.43 4786.58 8584.21 7725.79

3. Infrastructure and linkage support available, planned and gaps: (i) Infrastructure Services available The Animal Husbandry Department along with the Kerala Livestock Development Board (KLD Board) provides assistance and guidance to farmers on various activities under the sector.

Goats: Malabari goats are very popular in the district. They are reared in 3 farms viz. District Livestock Farm – Kudappanakunnu, Goat Breeding Farm – Parassala and Goat rearing unit at Jersey Farm – Vithura, to encourage small breeding units in the selected areas. The KLD Board also conducts experiments for introduction of frozen semen technology for breed improvement in goats. The Department distributes Malabari goats to farmers for breeding and rearing.

Pigs: There are 2 pig breeding farms viz., the District Livestock Farm at Kudappanakunnu and the Pig Breeding unit, Parassala, to impart scientific training on pig rearing to farmers. Yorkshire breed pigs are supplied to farmers from these farms. The Department distributes piglets to farmers for breeding.


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(ii) Assessment of infrastructure gap The main infrastructure gaps identified under the sector include (i) Shortage of pasture land (ii) Inadequate infrastructure facilities at Goat and Pig breeding farms to produce and supply

good quality does and piglets (iii) Lack of assured market for pig and rabbit meat and (iv) Health coverage for goats not included in any insurance programme. 4. Critical intervention required for creating a definitive impact in the sector State Government may create infrastructure facilities at Goat and Pig breeding farms to produce and supply good quality does and piglets, Meat processing units for producing value added products with pig and rabbit meat may be set up. The activity of goat rearing shall be taken up through Farmers, JLGs, SHGs/ Kudumbashree and tribal groups particularly in hilly tracts with support from local bodies.


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3.1.9 FISHERIES DEVELOPMENT

3.1.9.1. Introduction

Thiruvananthapuram district is endowed with a rich bounty of natural resources favouring development of fisheries sector and special features as given below.

Marine Fisheries Inland Fisheries

Brackish water Fisheries

78 Km (13.2% of Kerala’s coast line Arabian sea)

3,121 ha 1424 ha

1,63,500 fishermen; 2096 fishermen per km of

coastline

Rivers - Neyyar, Vamanapuram and

Karamana

one lake, 3 reservoirs, 34 tanks and nearly 2100 ponds

six backwaters and 9 estuaries

Fisheries activity in the district is predominantly marine. The district has the maximum share of (21.2%) of the total marine fishermen population in the state. As per the Marine Statistics 2010, there are 42 marine fishermen villages spread over 6 blocks viz. Parassala, Athiyanoor, Thiruvananthapuram rural, Kazhakuttom, Chirayinkeezhu and Varkala. As on 31 March 2010, out of traditional marine fishermen population of 1,86,518 in the district, only 52163 fishermen are active i.e., (28%). The annual fish production during 2009-10 under marine fisheries was 45930 tonnes valued at `.19,952.00 lakh. Even though there are 4 inland fishing villages with a population of 1577 fishermen, as per Inland Fisheries Statistics 2010, there are no active inland fishermen in the district. The annual fish production during 2009-10 under inland fisheries was 1694 tonnes valued at `1040.04lakh.

Investments like country boats, outboard engines and gears offer good scope for financing. Similarly, with GoK identifying inland fisheries as one of the potential sector under the decentralized planning programme, the importance of inland fisheries also has increased.

Varkala, Anchuthengu, Poonthura, Vizhinjam, Poovar and Sanghumukham are some of the major fishing belts. There are five fish landing centres at Paruthiyoor, Pulluvila, Puthukkurichi, Mampally and Chilakkoor.

3.1.9.2. Assessment of Potential for the year 2016-17

Taking into account the infrastructure changes and other aspects, the credit potential under fisheries sector for 2016-17 has been projected at `.5542.82 lakh, Block-wise and activity-wise projections of which are given in Annexure I.

Table 3.1.9.2- Credit potential for Fisheries Development ( ` Lakh)




Fresh Water Fish Farm ha 395 391.05 351.95 460 455.40 409.86 Country Boat No. 140 33.60 30.24 160 38.40 34.56 Nursery Rearing Ponds ha 50 750.00 675.00 30 480.00 432.00 Ornamental Fish 50000 0 0.00 0.00 5 5.00 4.50 Setting up PCR Lab In Hatcheries No. 5 50.00 45.00 5 50.00 45.00 Renovation Of Ponds & Tanks ha 6 4.50 4.05 5 5.00 4.50

Backyard Hatchery for SHG Women No. 215 322.50 290.25 150 225.00 202.50

Aquarium Fabrication Units No. 10 10.00 9.00 10 10.00 9.00

Cage Culture Of Fin Fishes In Ponds ha 6 60.00 54.00 5 50.00 45.00

Total I F Sector 1621.65 1459.49 1318.80 1186.92 Out Board Motor No. 175 218.75 196.88 230 287.50 258.75 Fishing Gear No. 1215 121.50 109.35 1545 231.75 208.58 Cattamaran No. 105 37.80 34.02 130 46.80 42.12


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Mussel Culture 0.4 ha 22 12.72 11.44 21 12.14 10.92 Marine Plywood Canoe No. 385 1578.50 1420.65 430 1935.00 1741.50 Refrigerated Sea Water System On Board

No. 8 120.00 108.00 10 150.00 135.00

Conversion Of Existing Vessel Into Tuna Long Liner

No. 2 60.00 54.00 2 60.00 54.00

Facilities For Fish Curing, Drying, Packing Etc.

No. 4 284.00 255.60 4 284.00 255.60

Sea Cage Culture Unit No. 2 20.30 18.27 2 20.30 18.27 Solar Fish Drying Unit No. 10 60.00 54.00 20 120.00 108.00 Total M F Sector 2513.57 2262.21 3147.49 2832.74 Brack. Wat. Prawn ha 175 769.65 692.69 200 1026.40 923.76 Prawn Hatchery 5 million 25 300.00 270.00 30 360.00 324.00 Renovation Of Existing Ice Plant No. 5 260.00 234.00 4 208.00 187.20 Refrigerated Truck/Containers No. 3 42.00 37.80 3 42.00 37.80 Setting Up Mini Qc Lab No. 2 12.00 10.80 2 12.00 10.80 Renovation Of Pre-Processing Centres

No. 1 44.00 39.60 1 44.00 39.60

Total Prawn Culture 1427.65 1284.89 1692.40 1523.16

TOTAL FISHERIES SECTOR 5562.87 5006.58 6158.69 5542.82

3.1.9.3 Infrastructure and linkage support available, planned and gaps:

3.1.9.3.1. Availability and Gaps in Infrastructure and Support Services

Table 3.1.9.3- Infrastructure Support available in the district ( ` Lakh)

Fishing Harbour The Vizhinjam Major Fishing Harbour is located in the district.

Fish Farms There are two fish farms in the district; one at Neyyar Dam (owned by GoK) with about 15 acres and another one at Karyavattom (owned by the Centre for Aquaculture Research, CARE, University of Kerala).

Hatchery 1. A multi species shrimp hatchery unit by ADAK with a capacity to supply 15 million

seeds is functioning at Odayam, Varkala. 2. Amalgum Hatcheries at Pozhiyoor, Govt. of India.

Fish markets 12 wholesale fish markets and 325 retail fish markets are functioning in the district.

The district has various Government agencies involved in development of fisheries sector like Matsyafed, ADAK, FIRMA and Fisherman Welfare Fund Board. 3.1.9.3.2 Assessment of infrastructure gap

Insufficient number of hatcheries/ seed farms particularly for fresh water fishes/ prawns and brackish water prawns and seeding material for culture of crabs. Poor storage and deep-freezing facilities at Vizhinjam port and other landing centers and inadequate number of modern fishing vessels. Inability of fish landing centres and processing units to conform to HACCP (Hazard Analysis and Critical Control Point) norms of importing countries hampers the export prospects of fish and fish products. Existing ponds need restoration to be used for inland fisheries.

3.1.9.3.3 Critical intervention required for creating a definitive impact in the sector

Setting up of sufficient number of hatcheries/ seed farms particularly for fresh water fishes/ prawns and brackish water prawns and seeding material for culture of crabs will address a critical constraint in development of inland fisheries.


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3.1.10. OTHERS – BULLOCK, BULLOCK CARTS ETC. 3.1.10.1 Introduction

Thiruvananthapuram district has a sizable population depending on Agriculture as their primary occupation. Majority of the farmers in the district are small or marginal with land holdings that make farm mechanization difficult. Some of these farmers continue to depend on work animals/ bullocks for farming operations. Further, bullock carts are used in rural areas in the district to transport certain commodities over short distances. 3.1.10.2. Assessment of Potential for the year 2016-17 Considering the present status of availability of infrastructure and the land holding pattern, the credit potential for the year 2016-17 has been projected at `.17.15 lakh, as detailed below:

Table 3.1.10- Credit potential for Other activities (` Lakh)

Activity As per Base PLP As per Revised PLP

Unit Phy Fin BL Phy Fin BL

Work Animal No. 15 4.5 4.05 13 5.85 5.27

Bullock And Cart No. 25 10 9.0 22 13.20 11.88

Total 14.5 13.05 19.05 17.15

3.1.10.3 Infrastructure and linkage support available, planned and gaps:

The demand for bullock as plough animals are limited to paddy fields and for transportation of agricultural produce, sand, brick, etc. in rural areas where other modes of transport are scarce. The bullock carts are sporadically used and slowly their demand is getting phased out. Financing of these animals is done mostly under SGSY.


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3.2 AGRICULTURE INFRASTRUCTURE

This chapter discusses about the infrastructure required in the agricultural sector like storage and market yards including cold storages and cold chains, land development, soil conservation and watershed development. Tissue culture, agri-biotechnology, seed production, biopesticides/fertilizers, vermicomposting etc. are also included in this chapter. The above activities with an aggregate sanctioned limit of `.100 crore per borrower from the banking system are covered under agriculture infrastructure. 3.2.1 CONSTRUCTION OF STORAGE FACILITIES (WAREHOUSES, MARKET YARDS,

GODOWNS, SILOS, COLD STORAGE UNITS/CHAINS ETC.)

3.2.1.1. Introduction Storage Godowns and Market yards are essential infrastructure to prevent post-harvest losses, preserve agriculture produce under clean and hygienic conditions and realise the potential of value addition in agro processing. It also makes agriculture a profitable profession by eliminating the need for distress sales, enabling farmers to store their produce for getting better price in the local markets and venture into forward and future trading. Coconut, paddy, vegetable and fruits are the major crops in the district. High demand for meat, milk and fish in the district has nurtured dairy, poultry, goat, piggery and fishery activities. Demand for cold storage facilities for dairy societies/ fishermen societies and godowns to individual farmers/ NGOs/SHGs is very high with immense potential for private investments with bank credit. Being the state capital with national and an international airport, a fast developing harbour project and the proximity to other districts in Kerala and Tamil Nadu having a rich agricultural base are factors favouring higher investments in storage facilities and godowns of various types. 3.2.1.2. Assessment of credit potential for the year 2016-17 Taking into consideration the infrastructure changes and credit flow in 2014-15, the credit potential for the year 2016-17 has been projected at `.4117.50 lakh, as detailed below:

Table 3.2.1.1- Credit potential for Storage Godown and Market Yard (` Lakh)

Activity Unit (no/

area) As per Base Plan As per Revised PLP (` lakh)

Phy Fin BL Phy Fin BL Cold Storage No. 35 1225.00 918.75 30 1050.00 945.00 Storage/ Market Yard

No. 125 1875.00 1406.25 120 1800.00 1620.00

Rural Godown No. 120 1800.00 1350.00 115 1725.00 1552.50 TOTAL SGMY 4900.00 3675.00 4575.00 4117.50

3.2.1.3. Infrastructure and linkage support available, planned and gaps

3.2.1.3.1. Infrastructure available

Godowns FCI Kazhakkuttam (Regional Office &Godown) and 17 other godowns Markets Two EEC assisted wholesale markets at Anayara and Nedumangadu Market Yards 17 market yards constructed under RIDF. Cold Storage Thiruvananthapuram Air Cargo terminal used by exporters of vegetables/ fruits to Gulf

countries.


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3.2.1.3.2. Assessment of infrastructure gap

- The godown facilities need immense expansion considering the high productivity and diversity of agricultural products in the district, particularly since it comes under the AEZ scheme of GoI and VFPCK is actively monitoring vegetable cultivation.

- Inadequate organized marketing structures for cut fruits, vegetables, mushroom, flowers - orchid and anthurium.

- Inadequate milk chilling and processing plants

- Storage and deep-freezing facilities for fish meat products and facilities available at Vizhinjam port and other landing centres are inadequate.

3.2.1.3.3. Critical intervention required for creating definitive impact in the sector: Even though the State has a well established market for agri produce, the infrastructure for agricultural produce collection, transportation and marketing is not well developed in the State. There is a need to develop farmer led institutions to handle market related aspects of agriculture production to maximize farm gate prices. State Government may evolve a clear policy supporting Farmer Producer Companies to bridge the gap. High price of land is another deterrent for creation of storage facilities.


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3.2.2 LAND DEVELOPMENT 3.2.2.1. Introduction Land development encompasses activities of soil and water conservation, water management and agronomy and other watershed development activities. Land development increases agricultural production and productivity and brings uncultivable area under cultivation for sustainable development.

The undulating topography of the district coupled with heavy rainfall renders the soil susceptible to erosion. Further, area under cultivation of various crops is on the decline owing to land getting converted for commercial and residential purposes. The major land development activities being taken up in the district are rubble pitched puertorican type contour bunds, earthen contour bunds, bench terracing, retaining wall, contour trenches, etc. Land leveling and soil improvement is mainly undertaken in coconut gardens for improving productivity. Activities like stabilization of landslide prone areas, protection of catchment reservoirs, reclamation of water logged areas and prevention of river/ stream bank erosion, etc., are also being taken up.


Based on consultation with line departments, bankers, infrastructure created and other factors contributing positively to investments under land development, the exploitable potential has been estimated at `. 10261.53 lakh for 2016-17. There is greater emphasis on soil improvement measures and watershed management. The block-wise, activity wise physical and financial projections are given in Annexure 1.

Table 3.2.2.1- Credit potential for Land Development (` Lakh)

Activity Unit As per Base PLP As per revised PLP (` lakhs)

Phy. Fin. B.L. Phy. Fin. B.L.

Land Reclamation ha 1075 1188.95 1070.06 1120 2016.00 1814.40

Bund/Soil Conservation ha 975 620.10 558.09 1000 1080.00 972.00

Land Level./Soil Improv. ha 1250 1680.00 1512.00 1250 1680.00 1512.00

Watershed Devt. ha 820 452.64 407.38 820 492.00 442.80

Water Management ha 520 156.00 140.40 520 156.00 140.40

Land Dvpt - Misc. ha 11200 5924.80 5332.32 11300 5977.70 5379.93

10022.49 9020.25 11401.70 10261.53

3.2.2.3. Infrastructure and linkage support services available, planned and gaps

District Soil Conservation Wing of the Agriculture Department in Thiruvananthapuram and Assistant Director of soil conservation office at Aruvikkara Project, functioning in the district, are responsible for carrying out the soil and water conservation projects. Soil Survey wing also has been identified as the supporting agency for implementation watershed projects in the district. 3.2.2.3.1 Assessment of infrastructure gap

Non-availability of empirical data at block/panchayat level about the balance potential for soil conservation/land development, inadequate staff in the soil conservation unit, lack of scientific and systematic approach in survey, poor coordination among the offices which implement different watershed projects under NWPRA, WGDP, RIDF, Hariyali, etc., are the major infrastructural gaps identified.


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3.2.2.3.2. Critical intervention required for creating definitive impact

The detailed Watershed Atlas prepared by the soil survey department may be utilized for prioritizing watersheds while selection/ inclusion of an area under various watershed development projects. A coordinated effort of soil conservation, soil survey departments and State Land Use Board may be ensured in identification and implementation of watershed programmes.

Suitable economic activities like cultivation of fruits, vegetable and fodder crops and other allied activities like dairy, apiary, etc., could be promoted. Krishi Bhavans, in association with Dairy and Animal Husbandry Departments, may be promoted in treated watershed areas.

3.2.3 OTHERS (VERMICOMPOSTING /BIOPESTICIDES/FERTILISERS, TISSUE CULTURE, AGRI BIOTECHNOLOGY, SEED PRODUCTION)

3.2.3.1. Introduction

Recognizing the perceived threats of chemical farming for human health, of late, there has been an increased demand for organically grown food in the district. As a sequel to the massive awareness campaigns being carried out by the government departments as well as many voluntary agencies, more number of farmers, particularly vegetable farmers, have resorted to organic farming in the district. Further, due to the non-availability of genuine organic vegetables and fruits in the market, a large number of households in the district have started grow bag cultivation of vegetables and fruit farming with organic inputs. As a result, it is expected that there would be manifold increase in the demand for planting materials (vegetable seeds, seedlings, tissue culture banana, etc.)and organic inputs like vermin compost and bio-fertilizers/bio-pesticides in the district. 3.2.3.2. Assessment of credit potential for the year 2016-17

Based on consultation with line departments, bankers, infrastructure created and the ground level scenario in the district, the exploitable potential for has been estimated at `. 329.40 lakh for 2016-17. The block-wise, activity wise physical and financial projections are given in Annexure 1.

Table 3.2.3.1- Credit potential for Land Development (` Lakh)



Vermi Compost/Biofert. ha 140 130.20 125.55 200 186.00 167.40

Seed Production ha - - - 60 180.00 162.00

130.20 125.55 366.00 329.40

3.2.3.3. Infrastructure and linkage support services available, planned and gaps 3.2.3.3.1 Assessment of infrastructure gap Non-availability of empirical data at block/panchayat level about the existing infrastructure available for activities like tissue culture, biofertiliser/biopesticide production, vermicomposting, seed production etc., potential available for setting up these units and the lack of an organized market for these products are the major infrastructural gaps identified.


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3.2.3.3.2 Critical intervention required for creating definitive impact

A comprehensive policy on organic farming incorporating aspects like quality control of organic manure, certification procedure of organic farms, approved agencies for certification etc. may be brought out by Agriculture Department.

A standard package of practices recommendation may be evolved for organic cultivation of various crops for use by farmers, which would help in assessing the requirement of organic inputs and planting materials.

Extension efforts to popularize organic farming may be initiated by involving farmers’ clubs, NGOs, PRIs, etc.


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3.3 ANCILLARY ACTIVITIES 3.3.1 FOOD AND AGRO PROCESSING 3.3.1.1. Introduction Thiruvananthapuram district is a major producer of coconut, tapioca, vegetables, banana, mango, papaya, tamarind, etc. At present, most of the existing processing units are in the unorganised and traditional sectors with limited processing techniques and value addition. The common food processing industries set up in the unorganized sector are flour mill, curry and rice powder making units, pappadam, coconut oil, banana chips, jackfruit and tapioca based products, pickles/ jam/ candy making units, pineapple processing, bakery units, honey processing, tapioca based products, cattle feed, etc. Shift of preferences of the population to packed products, qualified youth in search of self employment ventures, assistance provided by Central and State Governments, widening prospects of sale for quality products in the domestic and international markets, etc., can revolutionise agro processing in the district with adequate care provided to the aspects of food safety and quality through appropriate support mechanism. 3.3.1.2. Assessment of credit potential for the years 2016-17 Considering the infrastructure available/ likely to be made available and based on the discussions with line departments and other agencies, the credit potential for 2016-17 has been projected as `.4175.18 lakh, as indicated in the table below and detailed in Annexure I.

Table 3.3.1- Credit potential for Food and Agro-processing (` Lakh)

Unit


Activity Phy Fin BL Phy Fin BL

Copra Processing No. 130 325.00 292.50 135 371.25 334.13

Fish Processing No. 200 450.00 405.00 190 475.00 427.50

Food Proc-Beverages No. 40 240.00 216.00 25 165.00 148.50

Rice/ Flour Mill No. 35 78.75 70.88 30 75.00 67.50

Banana/ Tapiocachips No. 250 125.00 112.50 215 107.50 96.75

Small Bakery Units No. 185 185.00 166.50 170 170.00 153.00

Papad/ Cury Powder No. 200 120.00 108.00 180 108.00 97.20

Agro Processing No. 25 150.00 135.00 20 132.00 118.80

Milk Products No. 70 56.00 50.40 70 70.00 63.00

Coconut Based Indus. No. 70 490.00 441.00 60 462.00 415.80

Honey Processing No. 30 27.00 24.30 20 20.00 18.00

A & F - Term Loan Total 2246.75 2022.08

2155.75 1940.18

A & F - Working Capital 2830.90 2235.00 2235.00

Total 4852.98 4390.75 4175.18

3.3.1.3 Infrastructure and linkage support available, planned and gap

3.3.1.3.1 Infrastructure and Support Services available

The District Industries Centre (DIC) provides support and assistance to the prospective entrepreneurs. The Agriculture Department has an AGMARK Laboratory in the district. The EEC assisted wholesale markets at Anayara and Nedumangad have facilities for grading and standardization of agricultural commodities. Department of Marketing and Inspection provides assistance for setting up of Market yards and Godowns.

Regional Research Laboratory (RRL), Central Tuber Crops Research Institute (CTCRI), Rajiv Gandhi Biotechnology Centre, MILMA, VFPCK, Matsyafed, Kerala Agricultural University


48

(Vellayani campus), Rubber Board, Coconut Board, KVK-Mitraniketan, etc. support technology transfer to potential agripreneurs in different disciplines.

Kerala Industrial Infrastructure Development Corporation (KINFRA), is giving special thrust to Food Processing sector and acts as the nodal agency to the Ministry of Food Processing.


Cold storages, storage godowns, market yards for standardization, grading and value addition, provision of Common Facility Centres, transportation facilities, power supply, marketing outlets, etc., are inadequate. Direct access to facilities for post-harvest management, processing, value addition, etc., for the farmers is inadequate.

3.3.1.3.3 Critical intervention required for creating a definitive impact in the sector:

i. A value chain for major produce of the district viz. banana, tapioca, pepper, fish etc. shall be established to cater to both domestic and export markets.

ii. Special concessions in the form of tax incentives and provision of land and other infrastructure such as power, connectivity etc., at concessional rates.

iii. Banks may take proactive steps in extending collateral free loans to food and agro processing sector, leveraging CGTMSE coverage.


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3.3.2 Other Ancillary Activities 3.3.2.1 Introduction

Credit components like loans to cooperative societies, PACS, farmers producers organizations etc. for undertaking various activities in the primary sector or for on-lending to members for activities related to agriculture and allied activities have been covered under other ancillary activities. NABARD has been supporting PACS to function as Multi Service cooperative societies by providing loans out of the Producers Organisation Development Fund (PODF) for on-lending to farmer members for activities like dairy, poultry etc., which are emerging sectors in the district. Besides PACS, farmer producer organizations (FPOs) registered as societies or companies are also binge supported from PODF for upscaling its business activities. 3.3.2.2. Assessment of credit potential for the years 2016-17

Considering the ground level potential and discussions with cooperative banks and farmer producer organizations in the district, a credit potential of `.640.00 lakh has been estimated for the year 2016-17, as furnished below.

Table 3.3.2.1- Credit potential for Other Ancillary Activities (` Lakh)



Loans to Cooperatives including PACS

No. - - - 3 600.00 480.00

Loans to FPOs No. - - - 2 200.00 160.00

Total

- - - 800.00 640.00

3.3.2.3 Infrastructure and linkage support available, planned and gap

NABARD extends credit cum grant support to FPOs/POs in a flexible manner for meeting their investment and working capital requirements. NABARD has entered into MoU with SFAC to promote new and vibrant FPOs, strengthen existing FPOs and leverage the benefits of its equity grant and credit guarantee scheme to extend credit facility to FPOs eligible under the SFAC scheme. Realising the importance of collectivisation and role of FPOs in enhancing the producers income through collective action, Govt. of India in the Union Budget 2014-15 has established “Producers Organisation Development and Upliftment Corpus (PRODUCE) Fund of `.200 crore in NABARD to be utilized for the building and promotion of 2000 FPOs over a period of two years. This initiative would go a long way in addressing the initial requirements of the emerging FPOs, which would provide new business opportunities for financing institutions. In order to further boost the credit flow to FPOs, the RBI has included lending to FPOs by commercial banks and RRBs as lending under Priority sector. There is immense potential in the district for aggregating the farmers into FPOs thereby providing better opportunities in collective agri-business. In Thiruvananthapuram District, NABARD has supported formation of four FPOs under PRODUCE Fund for activities like poultry layer farming, production, processing and value addition of fruits and vegetables, honey bee production, and rubber production and processing. In addition to this, financial assistance has been extended from PODF to one PACS (Marayamuttom) for on-lending for dairy and poultry farmers and to one NGO (Sanghamaitri) for setting up training cum skill development centre for vegetable producers.


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CHAPTER 4 CREDIT POTENTIAL FOR MICRO, SMALL AND MEDIUM ENTERPRISES 4.1 Introduction

MSME encompasses all economic activities outside the Primary sector like manufacturing, processing, repairs, construction, trade, transport and other services carried out in rural areas or primarily benefiting rural areas. Development of Micro, small and medium enterprises gives enormous scope for employment generation in rural areas, in addition to its significant contribution to national economy. The sector holds the key for faster economic development of the economy. As per the revised priority sector guidelines issued by RBI, all loans to MSME will be classified as priority sector lending by banks. A separate sublimit of 7.5% of ANBC has been stipulated for lending to microenterprises under priority sector to be achieved in a phased manner, i.e., 7% by March 2016 and 7.50% by March 2017. All loans to units in the Khadi and Village Industries sector will be eligible for classification under the sub-target of 7%/7.50% prescribed for microenterprises. The limits for investment in plant and machinery/equipment for manufacturing/service enterprise as notified by Ministry of Micro, small and medium enterprises, vide SO 1642(E) dated September 9, 2006 are as under:

Sector Manufacturing Sector Investment in plant and

machinery

Service Sector Investment in equipment

Micro enterprises Does not exceed twenty five lakh rupees

Does not exceed ten lakh rupees:

Small enterprises More than twenty five lakh

rupees but does not exceed five crore rupees

More than ten lakh rupees but

does not exceed two crore rupees

Medium enterprises More than five crore rupees but does not exceed ten crore rupees

More than two crore rupees but does not exceed five core rupees

The tertiary sector in the district is well developed and absorbs a major portion of credit flow under MSME from banks in the district. Transport operators, retail traders, small businessmen, professionals/ self-employed persons providing goods and services like electrical and electronic equipment, photocopying facilities, Telephone booths, studios, etc; fall under the ambit of MSME. Major activities under MSME sector in Thiruvananthapuram are given below.

Table 4.1- Major Manufacturing and Service sector enterprises in the district

Manufacturing Sector– micro, small and medium enterprises

Handloom and Coir, Handicrafts, Small Scale Industries, Cottage and village industries, Tiny industries, ancillary units, agro industries, construction/building materials, pharmaceuticals etc.

Service Sector - micro, small and medium enterprises

General Engineering, Repair and Service centres, Printing, Kisan service Kendras, SRWTO, Trade/small businesses, Information Technology and Tourism

4.2. Assessment of Potential for the year 2016-17 Considering the infrastructure available and likely to be made available and based on the discussions with the line departments, the credit potential for the year 2016-17 has been projected at `.209002.38 lakh, comprising of `.50657.94 lakh under manufacturing sector and `.158344.42 lakh


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under service sector as detailed below. The block-wise and activity-wise projections are given in Annexure I.

Table 4.2 Credit potential for MSME Sector (` Lakh)




Manufacturing Sector – Term Loan Handicraft Unit No. 234 167.31 150.58 240 180.00 144.00

Village Industries No. 222 123.88 111.49 225 135.00 108.00

Rural Artisans No. 96 125.47 112.92 95 142.50 114.00 Rubber/ Plastics No. 217 1551.98 1396.79 215 1548.00 1238.40

Leather Product No. 32 20.77 18.69 35 22.75 18.20

Chemical Industry No. 32 238.24 214.42 10 100.00 80.00

Electronic Unit No. 207 2521.46 2269.32 215 2623.00 2098.40 Electrical Unit No. 79 590.05 531.04 85 637.50 510.00

Tailoring/ Readymade No. 244 297.68 267.91 285 570.00 456.00

Handloom No. 610 3797.25 3417.525 550 3575.00 2860.00

Cane/ Bamboo Prodn. No. 74 41.29 37.16 70 42.00 33.60

Agro Industry No. 133 3257.03 2931.33 130 3250.00 2600.00 Furniture/Wood Products

No. 197 556.92 501.23 190 570.00 456.00

Coir/ Loom No. 22 13.95 12.55 20 13.00 10.40 Coir Defibring No. 48 57.45 51.71 50 60.00 48.00 Constn./ Building Mat.

No. 318 1561.38 1405.24 330 1650.00 1320.00

Pottery No. 27 10.12

9.11 25 10.00 8.00

Pharmaceuticals No. 15 184.62 166.16 20 246.00 196.80

Manufacturing sector – Term Loan Total

15116.85 13605.18

15374.75 12299.80

Manufacturing sector - Working Capital

Coir

625.45

874.20 699.36 Handlooms

7883.66

11019.21 8815.37

Power Loom

480.17

671.14 536.92 Small Ind.

18983.27

26533.43 21226.75

Others

6331.49

8849.70 7079.76 Total W.C. Loans

34304.05

47947.68 38358.16

TOTAL Manufacturing Sector

47909.23

63322.43 50657.96

Service Sector – Term Loan Gen Engg/Machinery Parts

No. 64 797.31 717.58 75 937.50 750.00

Information Tech Units No. 160 7451.20 6706.08 175 8750.00 7000.00

Repair/ Service Unit No. 197 717.67 645.90 200 700.00 560.00

Printing And Binding No. 15 134.72 121.24 15 135.00 108.00

Dtp Offset Printing No. 32 797.31 717.58 50 1250.00 1000.00

Kisan Service Kendra No. 15 149.68 134.72 15 150.00 120.00

SRWTO

7537.19

10534.92 8427.94


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Trade/Small Business

94679.95

121308.69 97046.95

Professional/Self employed

20293.66

28365.00 22692.00

Service Sector Term loan –total 131553.90 172131.11 137704.89 Service Sector – Working Capital 25799.42 20639.53

Total Service Sector 131553.90 197930.53 158344.42

Total MSME Sector 179463.125 261252.96 209002.38

WORKING CAPITAL REQUIREMENTS FOR MSME ACTIVITIES Working capital is one of the basic requirements for successful running of any industrial/ business venture. The major industrial units, which have to be provided working capital are coir units, handloom units, small industrial units and other miscellaneous units in the district. On the basis of the past trend in growth, the working capital requirement for the year 2016-17 in respect of existing units under sectors like coir, handloom, power loom, small scale industries, service sector etc. and units likely to be set up during the year has been projected at `.58997.67 lakh, as above. Block wise and activity wise projections are given in Annexure I

“Start-up India” Addressing the nation on the 69th Independence Day, Prime Minister announced a new campaign "Start-up India, Stand up India" to promote bank financing for start-ups and offer incentives to boost entrepreneurship and job creation. The initiative will encourage entrepreneurship among the youth of India. Each of the 1.25 lakh bank branches should assist at least one Dalit or tribal entrepreneur and at least one woman entrepreneur to promote 1.25 lakh start-ups. The initiative will give a new dimension to entrepreneurship and help set up a network of start-ups in the country which will in-turn provide employment ranging from one to two to four persons which will transform India’s economic life.

‘Make in India’ Campaign for MSMEs ‘Make in India’ is a major new national program, , launched in September 25th 2014, by the Central Government which is designed to transform India into a global manufacturing hub. The Make in India strategy aims to facilitate investment, foster innovation, enhance skill development, protect intellectual property and build manufacturing infrastructure in the country. The aim of Make in India is transforming India to a manufacturing hub by eliminating the unnecessary laws and regulations and making bureaucratic processes easier, more transparent, responsive & accountable The campaign envisages job creation, boosting of the secondary and tertiary sectors of the national economy, thus converting India to a self-reliant country with global recognition. Major sectors included are Automobile Components, Biotechnology, Chemicals, Construction, Electronic Systems, Industrial manufacturing, Food Processing, Pharmaceuticals Textiles & Garments etc.


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4.3. Infrastructure and linkage support available, planned and gaps The District Industries Centre, the Kerala State Industrial Development Corporation (KSIDC), Kerala Small Industries Development Corporation (SIDCO), Kerala Industrial Technical Consultancy Organisation (KITCO), Kerala Bureau of Industrial Promotion (KBIP), Kerala Industrial Infrastructure Development Corporation (KINFRA) and Kerala State Electronics Development Corporation (KELTRON) are various agencies supporting industrialization in the district. In Thiruvananthapuram, DIC has provided infrastructure facilities by acquiring land and developing it into Development Areas/plots (DA/DP) in Veli, Manvila and Mundakkal. The infrastructure and support services available in the district include:,

Excellent connectivity available roads, railway, water (Vizhinjam harbour) and air available.

Exceptional medical and educational facilities.

Proliferation of restaurants, hotels, motels, homestays etc.

Availability of variety of housing options.

Airport hangar at Shankhumukham.

Kochu Veli satellite terminal.

IT Special Economic Zones.

Rural Self Employment Training Institute (RSETI) conducts Entrepreneurship Development Programmes (EDP) and trains rural youth to take up self employment in various trades.

4.3.1 Assessment of infrastructure gap

Paucity of industrial plots and prohibitive cost of available plots,

Improper maintenance of a large number of existing MSMEs,

Absence of adequate marketing arrangements for handloom, handicrafts, terracotta and coir based items.

Lack of prioritised power allocation to KVIC/KVIB and other units and sustained availability of power

Absence of a coordinating agency mechanism to show-case and sell the diverse products in the national/ international market.

Transport facilities to and from interior areas like passenger buses, goods carriers, 3-wheelers and pickup vans, etc. are not adequate.

Despite the demand for self-employment avenues in areas of tourism, computers, transport operators, telecommunication services, IT enabled services, etc. the aptitude and enterprising ability to tap opportunities in an organized way is lacking.

4.3.2. Critical intervention required to creating a definitive impact in the sector: Interventions by the Government for further development of the rural areas of the district will boost investments in the sector. Creation of industrial parks with assured power and other necessary infrastructure like roads, water, tele-communication and single window clearance system for industrial proposals, easy and affordable credit etc will also encourage investment in the sector.


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CHAPTER 5

POTENTIAL FOR EXPORT CREDIT 5.1. Introduction Trade operations in Kerala is mainly conducted through Kochi Port. Items of trade include pepper, cashew, coir and coir products, tea, cardamom, ginger, spices and spices oil and marine products. Exports through Kochi port which declined during 2012-13, showed an increase of 10.85 per cent during 2013-14 i.e.to 42.50 Lakh MT in 2013-14 from 38.34 Lakh MT in 2012-13. However, export of cashew kernels, coir products and coffee declined during 2013-14. Export of spices which had declined during 2012-13, showed a 3.21 per cent increase in 2013-14. Coir products, the export of which had increased by 15 per cent during 2012-13 declined by 12 per cent during 2013-14. Kerala exported 165698 MT of marine products worth `.470636 Lakh in 2013-14 against 166399 MT valued at `.343585 Lakh in 2012-13. The export of cashew nut shell liquid from India during 2013-14 was 9480 MT valued at `.38.6 Crore.

As per the new Priority Sector norms of RBI, incremental export credit over the corresponding date of the preceding year, up to 2 percent of ANBC or credit equivalent amount of off-balance sheet exposure, whichever is higher, effective from April 1, 2015, subject to a sanctioned limit up to `.25 crore per borrower to units having turnover of upto `.100 crore is eligible to be covered under Priority sector.

The purpose-wise export credit outstanding during 2012-13 and 2013-14 and the incremental credit disbursed during 2013-14 in Thiruvananthapuram district is indicated in the Table below:

Table 5.1 Details of export credit in Thiruvananthapuram district (`. in lakh)

Purpose Outstanding during 2012-13

Outstanding during2013-14

Incremental export credit disbursal during

2013-14

Packing credit 4477.68 4974.86 497.18 Export bills purchased 51.26 64.82 13.56 Export bills discounted 49.09 433.97 384.88 Export bills advanced against 6.66 0.20 -6.46 Advanced against export cash incentive and duty drawback claims

10.39 2.23 -8.16

Total export credit 4595.08 5476.08 881.00

5.2 Assessment of Credit Potential for 2016-17

Export Finance: Pre-shipment and Post-Shipment Finance The term ‘export finance’ refers to credit facilities and techniques of payments at the pre-shipment and post-shipment stages. Export finance whether short-term or medium term, is provided exclusively by the Indian and foreign commercial banks which are the members of the Foreign Exchange Dealers Association. The Reserve Bank of India (RBI) provides refinance facilities to the commercial banks. Export-Import Bank of India (commonly known as EXIM Bank) also extends finance to exporters and to overseas projects abroad joint ventures and construction projects abroad.

Pre-shipment Finance: Pre-shipment finance refers to the financial assistance in Indian Rupees and Foreign Currency provided to the exporters before actual shipment of goods. Pre-shipment finance is provided to the exporters for the purposes like purchase of raw materials, their processing and converting into finished goods and packaging them. The facility also enables provision of Rupee/FC mobilization expenses for construction/turnkey projects. Exporters can also avail Foreign Currency Pre-shipment Credit facility to import raw materials and other inputs required for export production.


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For these purposes, the following pre-shipment finance is available: 1. Packaging credit 2. Advance against Incentives 3. Advance against Duty Drawback.

Pre-shipment credits are granted by the banks under concessional rates of interest.

Post-Shipment Finance: Post-shipment finance may be as “any loan or advance granted or any other credit provided by a bank to an exporter of goods from India from the date of extending the credit after shipment of goods to the date of realization of export proceeds.”

Thus, post-shipment finance serves as bridge loan for the period between shipment of goods and the realization of proceeds.

Considering the above developments and based on the discussions with export credit dealing banks in the district, the incremental potential assessed for the year 2016-17 is indicated in the following table:

Table 5.2 Credit potential for Export Credit for 2016-17 (`.lakh)

Sr. No

Activity Unit 2016-17

P.U. Fin BL

01

Pre Shipment Credit a) Packing Credit in rupees b) Packing Credit in Foreign currency c) Advances against incentives receivable from Govt. d) Advances against Duty draw back

- - 231.25 185.00

02

Post Shipment Credit a) Purchase and discount of export documents b) Payment of documents under Letter of Credit c) Advances against export bills sent for collection d) Export bills rediscounted in Foreign currency

- - 475.00 380.00

Total 706.25 565.00[DS1]

5.3 Availability of Infrastructure, critical gaps & interventions required, action points / Issues to be addressed

The factors favoring export in Kerala are an all weather sea port at Kochi, 3 international airports, a proposed port at Vizhinjam, good connectivity by rail, road, water etc., proximity to trans national trade corridor, high literacy rate and sense of hygiene and good processing skills of labour. The major organizations available for furthering the cause of export in Kerala are Marine Products Export Dev. Authority [Kochi], Cashew Export Promotion Council [Kollam], Coir Board, Tea Auction facility, SEZ for Export promotion, Industrial Parks set up by Govt., Food Park at Ernakulam & Pathanamthitta, Sea Food Park at Alappuzha, Spices Park at Idukki etc.

Some of the important items produced in the district and exported through Kochi seaport and Thiruvananthapuram airport are rubber, marine products, coir products. The flow of exports through major ports and airports in Kerala are as below:

Export From: Major Destinations Cochin Port, Kochi USA (30%), Nigeria, Indonesia, Hungary, UAE Cochin International Airport Limited, (CIAL), Kochi

UAE (22%), Maldives, Qatar, Oman, China,

Trivandrum International Airport, Trivandrum

UAE, Maldives, Qatar, China,

Calicut International Airport, Kozhikode Qatar (30%), UAE


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Prospects: The new port coming up at Vizhinjam will provide more openings to international trade, cashew exports may shift from Kochi and marine exports will get a boost. The Development of Beypore port will help trade to Gulf and Sri Lanka and export of food items, masalas, footwear, marine etc. will get a boost. Issues: Trade is mostly to gulf countries and cost of cargo remains high. Also, the dependency is high on the NRI community, nonbanking channels and relatives/agents Opportunities: The opportunities lie in contract farming for bio-agri products, floriculture, cut flowers, spices and spices oils and revival of sea food, cashew and coir


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CHAPTER 6

EDUCATION LOAN

6.1 Introduction

Education and development are closely related, as education provides inputs for economic growth among which knowledge is an important one. Modern economic growth, as seen in recent years, is driven by knowledge. Importance of higher education can be understood from its functions like (i) creation and dissemination of knowledge, (ii) supply of manpower, particularly knowledge workers, (iii) attitudinal changes for modernization and social transformation, (iv) formation of strong nation-state, and (v) promotion of higher quality individual and social life (GoI 2005). Development of higher education depends on various factors, among which finance plays a major role. Introduction of economic reforms has reduced government spending on higher education and allowed private sector participation. As a result educational loan is becoming an important source of financing higher education. The general education levels of the population are high in Kerala, compared to the all-India levels. Per 1000 persons, 545 men and 509 women are educated up-to middle-school, comprising the largest proportion in terms of education levels. The next highest proportion is of secondary and higher secondary school persons with 277 men and 271 women (per 1000). 92 men and 97 women were estimated to be graduates and above, only slightly higher than the all-India estimation for men at 90 (per 1000). Kerala has a total of 17 universities and 1062 colleges, there are 34 colleges catering to per lakh students higher than the national average of 25 per lakh students. Total 4.60 lakh students are estimated to be enrolled in various colleges in the state as per the survey. There is huge migration of students to colleges outside the state for pursing higher education, it is estimated that 3.11 lakh students migrated to other states during the year 2011.The Gross Enrolment Ratio (GER) in higher education (18-23 years age group) is 22.9, slightly higher than the national average of 21.1. The GER for females (26.9) is significantly higher than GER for males (18.9). The total population of students in the state in age group of 18 to 23 years as on 2012 was 31.39 lakh. The State Education Policy 2012 has laid down the vision for next 10 years as “Expansion with Excellence and Equity”, the major milestones set are:

The State should establish separate State Universities for Medical Education including Nursing and Para Medical, Engineering Education, Dental Science, Law, Teacher Education and Pharmacy and for Traditional Medicine systems.

New colleges to be established in five backward districts of the State

One Women’s University to be established in the State.

State University for Distance Education to be established for promoting Distance Education.

All Colleges and Universities shall be encouraged to introduce Five year Integrated Programmes with a provision for lateral exit at the end of 3 years and 4 years with a Bachelor’s and Bachelor (Hons.) Degree.

Universities shall be encouraged to start integrated Master’s and Ph.D. Programmes.


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Considering the above developments, the potential assessed for the year 2016-17 is indicated in the

following table:

Table 6.1 Credit Potential for Education during 2016-17 (`.lakh)

Sr. No

Activity Unit As per Base PLP 2016-17

P.U. Fin BL P.U. Fin BL

01 Education loans

- - 26836.37 - -

30739.84


SLBC, Kerala in consultation with Government of Kerala have issued common guidelines norms applicable to all banks for granting education loans to management quota seats and outside state admissions.

High NPA : The Non-performing loans under the sector continues to be high, as on March

2015 there were 8556 NPA accounts amounting to Rs 91.21 crore. However, there has been a

decline in NPA compared to March 2014 position.

As per the prevailing norms District Cooperative banks are not covered under IBA

interest subsidy scheme, the DCBs have large network in the state and their customer

predominately constitute of small and marginal farmers. It is felt that since these are

institutions with local feel their inclusion under IBA scheme will lead to more inclusive

distribution of subsidised education loan.


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CHAPTER 7

HOUSING

7.1. Introduction

Housing is an important sector as it has a direct impact on employment generation, GDP growth and consumption pattern in the economy. Housing related activities in the country like construction, renovation, maintenance and those related to trading, financing, mortgage banks, real estate agents, appraisers, movers and notaries, are estimated to account between 5-10 per cent of GDP. In India, housing finance market is still in its nascent stage compared to other countries. The outstanding amount of housing finance from all sources accounts for less than 8 per cent of GDP when compared with 12 per cent in China, 29 per cent in Malaysia, 46 per cent in Spain and 80 per cent in the US.

As per census 2011, the total number of houses in the state is 11.22 crore of which 58.57 lakh are in rural areas and 53.60 lakh are in urban areas. The overall housing availability is better in Kerala compared to all India average. The quality of housing as per the materials used for roof, walls and flooring, Kerala fares better than the national average since 48 per cent of the houses use concrete as the material for roofs versus 29.1 per cent in India. 46.5 per cent of households in India use mud and 76 % of households lived in permanent houses. The housing shortage in Kerala is estimated at 2.64 lakh houses.

The loan limit and total unit cost under housing have been enhanced to Rs. 28.00 & 35.00 lakh and `. 20.00 & 25.00 lakh respectively in metropolitan and other centers.

The State Housing Policy 2011 aims to eradicate landlessness and houseless people during the 12th Year Plan by creating housing stock of 12 lakhs units. The State has planned to undertake the construction of 12 lakh Housing units, of which around sixty percent is meant for the economically weaker sections of the society. Considering an amount of `. 2.00 lakhs for the construction of a residential unit, it is estimated that a total amount of `. 15000 crores is needed as investment in the Housing Sector for EWS and disadvantaged groups. Using the norms of the MoHUPA (Ministry of Housing and Urban Poverty Alleviation) the investment required in urban Kerala is `. 21,600 crore at current prices. 7.2. Assessment of Credit Potential for 2016-17

Considering the above developments, the potential assessed for the year 2016-17 is `.212010.57

lakh, block-wise projections of which is indicated in Appendix C to Annexure I.

Table 7.1 Credit potential for housing (` in lakh)

Sr No

Activity Unit

Base PLP (2015-16) Revised (2015-16)

Phy Fin Bank Loan Phy Fin Bank Loan

Housing Loan 185088.59 212010.57


Central Government has launched a comprehensive mission “Housing for All by 2022” Pradhan Mantri Awas Yojana. The mission seeks to address the housing requirement of urban poor including slum dwellers through following programme verticals:

• Slum rehabilitation of Slum Dwellers with participation of private developers using land as a resource • Promotion of Affordable Housing for weaker section through credit linked subsidy


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• Affordable Housing in Partnership with Public & Private sectors • Subsidy for beneficiary-led individual house construction

As part of the three missions, the government will look to create 2 crore houses by 2022 by providing a central grant of `. 1 lakh to R.s 2.3 lakh per house by way of a 6.5 percent interest subvention scheme.

State government is implementing “EMS Housing Scheme” that encompasses various other schemes. Some of these are: ‘Bhavanashree’ which is a loan linked scheme. Under the scheme, families having a two years membership of Neighborhood Groups and having at least 1.5 cents of land are eligible. A subsidy of `.10000 is provided with a loan from commercial banks upto`. 50,000 with a repayment period of ten years. Under the housing scheme of SC Department `.1 lakh assistance is provided to each BPL SC family. Similarly, under the housing Scheme of ST Department, an assistance of `. 1.25 lakh is provided to eligible ST families. The Department of Fisheries also provides housing assistance to their target group.

To supplement IAY grant assistance, state government is providing additional funds for

construction of IAY houses over and above the state share of 25% of the grant. Additional resources to enhance the unit cost to Rs 75,000 for general category households, Rs 100,000 for SC households as well physically and mentally handicapped persons and Rs 1,25,000 for ST households and destitute families

Loans for Rural Housing through NABARD – Rural Housing is one of the thrust areas for

Government of India and NABARD extends direct loan assistance to Cooperative Institutions (DCCBs/ PACS/ Housing Cooperatives) and other eligible institutions for extending housing loans to rural population for construction/ renovation / repair of houses.

7.3.2. Action Points for Government department, banks and other agencies

Provision of Infrastructure and Planned Development: Housing programme is not

linked to the provision of infrastructure in the village. The quality of life, therefore, does not improve despite the construction of new houses. There is a need to provide a minimum level of infrastructure such as internal road, drainage, water supply stand post, along with the provision of houses. There is need for micro-planning whereby housing and infrastructure could be combined together as part of a well thought of layout.

NGOs have been most reluctant to enter the area of rural housing due to the cost and time

factors involved in the construction of houses. However, NGOs can play the role of facilitator for all the services related to rural housing.

Emphasis on Environmental Conservation and Disaster Resistance: The use of locally available materials, installation of rainwater harvesting units and eco-friendly measures should be encouraged. Incorporation of disaster resistant designs in house construction should be made compulsory.

Title Guarantee: In a majority of the rural abadi areas a clear title of the land pertaining to the existing houses, is not available. In the absence of such clear titles, the PLIs find it difficult to provide housing loans on such property. Therefore, to cover the risk of default / defects in the title, a simple affidavit by the borrower being the legal heir of the house property duly signed by the village Panchayats or Land Revenue Officer, can be treated as a valid document for the purpose of creation of the mortgage.

Rural Risk Fund: Presently, the PLIs have high risk perception for lending to the poor. The risk fund will provide credit guarantee cover for loans upto. `. 1 lakh taken by the BPLs. However, for effective operationalisation of such a fund, the Ministry of Rural Development could consider providing an initial corpus of `. 1000 crore to NHB to set up such a fund to be exclusively used for providing cover to PLIs for small loans say upto. `. 1 lakh taken by the poor where the primary security i.e., valid collateral e.g., title deed is not available.


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Mortgage Credit Guarantee: This would cover all loans given by PLIs i.e., in urban and rural areas with loans above `. 1 lakh. NHB with the other institutions will bring in the required corpus of initial funds and PLIs will be paying premium for the credit cover which may be shared between PLI and the ultimate borrowers Mortgage credit guarantee for rural micro-habitat finance for loans upto. `.1 lakh could be borne by the lending institution itself as a one time premium.


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CHAPTER 8

RENEWABLE SOURCE OF ENERGY

8.1. Introduction

Renewable energy is defined as the energy that comes from resources which are naturally replenished on a human timescale such as sunlight, wind, rain, tides, waves, biomass and geothermal heat. Due to depletion of fossil fuels through prolonged use, the use of renewable energy sources have become important for meeting the energy needs of the future. Renewable energy can replace conventional energy in four areas: electricity generation, air and water heating / cooling, motor fuels and rural (off-grid energy services). The pattern of electricity production by source (% of total) in India (2009) is given in the table below:

Source Coal Hydroelectric Gas & oil Nuclear Renewable sources excl. hydroelectric

India 68.2% 11.5% 14.1% 2.1% 4.2%

Contribution to GHG Emission: The energy sector emitted 1100.06 million tons of CO2 equivalent(eq) due to fossil fuel combustion in electricity generation, transport, commercial/Institutional establishments, agriculture/fisheries, and energy intensive industries such as petroleum refining and manufacturing of solid fuels, as indicated in the graph below:

Source : Ministry of Environment and Forests Government of India 8.2. Status in Kerala

The major renewable energy sources relevant to Kerala are solar energy, wind energy, hydel energy [mini hydel projects from 101 KW to 2000 KW and small hydel projects from 2001 KW to 25 MW], bio-energy and wave energy. Biogas is one of the most efficient non-conventional energy sources, which can be profitably harnessed to meet the domestic fuel requirement and to supplement rich organic manure for farm operations.

MNRE- Vision To develop new and renewable energy technologies, processes, materials, components, sub-systems, products & services at par with international specifications, standards and performance parameters in order to make the country a net foreign exchange earner in the sector and deploy such indigenously developed and/or manufactured products and services in furtherance of the national goal of energy security.


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The installed capacity of various energy sources in Kerala as on March 2012 is given in the table below:

Table 8.1 Installed capacity of various energy sources in Kerala

Ownership sector

Thermal (Mode wise break up) Nuclear Hydro (renewable)

Other RSE*

Grand total

coal gas Diesel Total State 0.0

(0%) 0.0

(0%) 234.6

(10.3%) 234.6

(10.3%) 0.0

(0%) 1881.5

(82.6%) 162.66 (7.1%)

2278.8 (100%)

Private 0.0 174 21.84 195.84 0.0 0.0 0.03 195.9 Central 897.92 359.58 0.0 1257.5 95.6 0.0 0.0 1353.1 Total 897.92 533.58 256.44 1687.9 95.6 1881.5 162.69 3827.7

* Renewable Source of Energy Majority of Kerala’s own installed capacity comes from hydel power (82.6%). However, Kerala continues to lag behind the rest of the southern States in renewable energy generation. The percentage share of renewable energy excluding hydroelectric from the total of central, state and private installed capacity shows that Tamil Nadu has the highest share (41.7%) followed by Karnataka (23.8%), Andhra Pradesh (5.5%) and Kerala at 4.25%

8.3. Government Programmes.

The Agriculture Department and KVIC promotes biogas development by providing technical and material support for construction of plants and is directly linked to the annual programmes of these agencies. A subsidy scheme for promoting the installation of biogas plants having individual capacity of not less than 15 m3 is in operation.

Bio Energy Programme 2015-16 - Family Type Biogas Plants- MNRE is providing subsidy for setting up of Family Type Biogas Plants under NBMMP (1 to 6 cubic metre capacity per day) under National Biogas and Manure Management Programme (NBMMP). “Deenabandhu” model of the Department of Agriculture and the “Floating Dome” model of the KVIC are the two models now being encouraged in the state.

Ministry of New & Renewable Energy has allocated a physical target of 2150 bio gas plants to Directorate of Agriculture and 1850 to ANERT for implementation under National Biogas and Manure Management Programme (NBMMP) during 2015-16. The strong base of dairy activity being undertaken by farmers in Thiruvananthapuram district offers immense potential for setting up of biogas plants which can be encouraged among farmers owning mini dairy units in the district.

Capital subsidy scheme of GoI for promoting solar photovoltaic water pumping systems:MNRE, GoI has launched a new scheme to support 30000 solar pumping units per year with revised parameter with effective from 03 November 2014. The scheme is credit linked and the subsidy is back ended. Kerala has been allocated a target of 600 pumpsets for 2015-16.

Ministry of New and Renewable Energy has been vested with the responsibility of developing Small Hydro Power (SHP) projects up to 25 MW station capacities. The estimated potential for power generation in the in Kerala from such plants is about 704 MW from 245 SHPs. 36 SHP units with installed capacity of 211.17 MW are installed/ under implementation.

Kerala is one of the first States to announce a Renewable Energy Policy in 2002. It is also one of the few States to have its own Wind Energy Policy [2004] and recently announced the Solar Energy Policy in 2013. Agency for Non-conventional Energy and Rural Technology [ANERT], an autonomous organisation set up by the Govt. of Kerala is the State Nodal Agency [SNA] for the MNRE, GoI to implement centrally-assisted programmes in the State. ANERT‘s current interventions include Solar SPV and Thermal programames, Small Hydro projects, Wind energy, biomass gassification, biogas programmes and energy conservation initiatives.


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http://mnre.gov.in/file-manager/UserFiles/SHP-potential.pdf


Considering the above developments, the potential assessed for the year 2016-17 has been been assessed at `.597.12 lakh as indicated below:

Table 8.2 Credit potential under renewable energy (`. lakh)

Sr. No

Activity Unit As per Base PLP As per Revised PLP


a Biogas No 550 106.70 96.03 600 116.40 93.12

b Solar Water Heater No 250 125.00 75.00 260 130.00 104.00

c Solar photo voltaic Home lighting systems

No 1000 500.00 300.00 1000 500.00 400.00

d Total 731.70 471.03 746.40 597.12

8.5. Critical gaps & interventions required, action points / Issues to be addressed

Bio-energy / Biogas: While waste management poses a serious problem it also provides a window of opportunity for the power deficit Kerala. An average person generates about 2.04 kilogram of waste per day. It can be reused to generate clean, renewable power. Biogas can be generated from organic waste from agriculture, animal husbandry and domestic sectors, and Power generation from Municipal Solid Waste (MSW) and Industrial Waste. Community bio-gas plants may be set up in each district to address the waste management and also to generate clean energy.

To make it mandatory to install solar energy based devices to meet at least a part of the energy requirement in all households and offices.

Rural housing loan policy may be redesigned to include a promotional component for installing solar power lighting & heating systems.

To make it mandatory to install bio-gas based waste disposal system in all households

To ensure availability of approved, quality devices at all places

Awareness creation and provision of necessary backward and forward linkages are the critical interventions required for development of the sector.

Setting up of units for treatment of solid waste by the PRIs, NGOs and Developmental Agencies, may be supported by banks.

Government Departments may motivate and train farmer groups/ Farmers’ Clubs and SHGs to establish bio-gas units for compact areas and for scientific collection of solid waste through peoples’ participation. The Nodal Department may give publicity coordination and follow-up works to avail carbon credits to the investors.


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Green initiative under PACS as MSC – by Chengalam PACS

• The PACS, Chengalam has earned the distinction of becoming the first cooperative bank in Kerala to have met 100% power requirements from solar power production. The project was implemented with assistance from NABARD under the PACS as MSC programme.

• Currently, the PACS has a total connected load of 12 KW and the solar lighting system set up

in the PACS has 18 KWP composite capacity with multi crystalline SPV module.

• The PACS has created solar roof top panel of about 1500 Sq. feet covering their bank,

market outlet and farmers’ training centre.

• The normal cost of power for this load as per the present commercial tariff of the KSEB would be Rs.60000 per month and with the solar system in place the PACS is required to pay onlyRs.2500 per month to KSEB as minimum charge.

Solar panel on roof top


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CHAPTER – 9 CREDIT POTENTIALS FOR OTHERS 9.1. Introduction In terms of revised RBI guidelines on Priority sector Lending, loans not exceeding ` 50,000/- per borrower provided directly by banks to individuals and their SHG/JLGs, provided the individual borrower’s household annual income in rural areas does not exceed `.100,000/- and for non-rural areas it does not exceed `.1,60,000/-, loans to distressed persons to prepay their debt to non-institutional lenders and overdrafts extended by banks up to ` 5,000/- under PMJDY besides loans sanctioned to State Sponsored Organizations for SC/ST for the specific purpose of purchase and supply of inputs and/or the marketing of the outputs of the beneficiaries of these organizations and consumption credit are covered under the sector ‘’Others’’. 9.2. Availability of Infrastructure and critical gaps 1) The progress of implementation of National Rural Livelihood Mission (NRLM) scheme through

the District Kudumbashree Mission is by and large satisfactory. 2) All the accounts opened under PMJDY are required to be covered under Overdraft facility. 3) Banks can avail of the services rendered by Financial Literacy Centres set up at the block level as

well as BCs for credit linkage of SHGs/JLGs and PMJDY beneficiaries. Comprehensive and meaningful financial inclusion is envisaged through such small loans to rural people.

9.3. Assessment of credit potential for the year 2016-17 The credit potential for Other loans like SHGs, JLGs, PMJDY overdraft, consumption etc. are being made for the first time. A credit potential of `178917.43 lakh has been made under this head for 2016-17, as indicated below.

Table 9.3.1 Credit potential under others (` lakh)

Sr. No.

Activity Base PLP (2016-17) Revised (2016-17) Bank Loan Bank Loan

1 Loans to SHG/JLGs 0.00 11346.00

2 Loans to PMJDY 0.00 6807.60

3 Loans to SC/ST SHGs 0.00 4538.40

4 Consumption 139713.79 156225.43

Total 139713.79 178917.43

The block-wise, activity wise financial potential for the year 2016-17 is furnished in Annexure-I. 9.4. Critical intervention and Suggested Action Points a) The district administration and banks may create awareness among rural beneficiaries to

maintain their PMJDY accounts active by carrying out transactions regularly. b) Beneficiaries may be sensitized by the banks about the security risk of Rupay card. c) Proper utilization of cash credit loans sanctioned to SHG/JLGs may be ensured through requisite

support for market linkage, sensitization and handholding by NRLM.


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CHAPTER 10 INFRASTRUCTURE SUPPORT Introduction

Availability of adequate Infrastructure is a prerequisite for sustained economic growth particularly in the Rural Areas. Infrastructure forms the foundations on which social, economic and industrial development is built and paves the way for new opportunities, generates additional employment and income, facilitates and improves other Rural Services. Adequate and locally appropriate infrastructure is essential to maximize the full development potential of a given region. The growth, new investment opportunities, employment potential other socio economic development etc. are dependent on the creation of critical infrastructure facilities required in the various sectors of the Rural economy. Kerala, being the state in the fore front of devolution of power to the Panchayati Raj system has also ensured during the last few years, the involvement of the beneficiaries in identification, implementation, monitoring and evaluation of infrastructure projects particularly the projects in the primary sector thereby leading to completion of infrastructure projects with reduced times and cost overruns.

Investments for Creation of Rural Infrastructure is generally met from the public sources. However, of late particularly for few of the sectors related with social infrastructure, credit from financing institution is being sourced. The requirement is gradually increasing and in a short span, many new sectors will be in a position to attract credit, due to the technical soundness and the bankability of the projects.

NABARD, since inception, has prioritized its strategies for facilitating credit flow to Rural infrastructure sector to fulfill its mission of rural prosperity through credit and related services. From the year 1995 onwards, NABARD is in the fore front of funding rural infrastructure projects through its flagship programme of Rural Infrastructure Development Fund (RIDF) and as on date projects worth `2.236 lakh crore has been assisted throughout the country. In Kerala State projects with a total financial outlay of `.8906 crore have been assisted. Of this, in the district of Thiruvananthapuram, 431 projects with a total financial outlay of `.481.25 crore alone have been assisted. In addition to RIDF, for assisting infrastructure projects in Rural Areas, NABARD has introduced various other products like NABARD Rural infrastructure Assistance (NIDA), Warehouse infrastructure Fund (WIF), Food Processing Fund (FPF), Watershed Development Fund(WDF), Tribal Development Fund (TDF), Umbrella programme for natural resources management (UPNRM) etc. Through all these products, NABARD, as per estimates, supports 20% of the projects carried out in Rural Areas. 10.1 Infrastructure – Public Investments

10.1.2 Major critical infrastructure requirements of the district as also infrastructure/ linkages identified in the Base PLP for different sectors and the additional interventions identified during the year are as under:

Table 10.1 - Critical Infrastructure Requirements in the District

Sr. No. Activity Infrastructure support requirement identified & action points 1 Water Resources Minor irrigation projects and ground water based irrigation schemes

may be taken up to increase the area under irrigation.

Modernization and improvements of the tanks, canals and feeder channels of the existing irrigation systems etc.

Construction of dedicated sewage lines to protect the canal water. 2 Farm

mechanisation To improvise and popularize suitable agricultural machineries like

transplanters keeping in view the low holding levels and shortage of labour.


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3 Land Development Integrated and holistic approach to watershed development with components like water harvesting structures, land and terrace bunding, alternate land use measures, improved soil and water conservation measures.

4 Plantation & Horticulture

Creation of biotechnology labs for production of tissue culture banana seedlings.

Adequate supply of high tech planting material for all types of crops.

Promotion of organic farming of crops particularly fruits and vegetables

Encourage commercial production of organic inputs in order to ensure adequate supply to farmers for organic cultivation.

Setting up of marketing infrastructure based on commodities traded and establish network of marketing centres with the facilities of processing, grading, sorting, packing and linkage with other markets/terminal markets/export houses.

Popularization of polyhouses/ shade net structures 5 Animal Husbandry Milk societies/unions may be encouraged to set up milk collection

centres, mini chilling plants etc.

Cattle feed plants may be set up in Neyyattinkara and other taluks.

Kerala Poultry Development Corporation may take necessary steps for achieving full capacity at their broiler hatcheries in Kudappanakkunnu.

Set up mini incubators and broiler demonstration unit.

Revival of egg nurseries, setting up more egger nurseries, modernization of Regional Poultry Farm, expansion of model farm at Kudappanankkunnu.

Capacity of goat and pig breeding farms may be increased to supply adequate number of does and piglets

6 Fisheries Construction of fishing harbour at Vizhinjam may be expedited.

A modern fish market with deep freezers and ice plants to ensure safe storage of the catch in Vizhinjam may be undertaken.

A plan for modernization of all fish landing centres may be evolved, in consultation with the Marine Products Exports Development Authority (MPEDA). All processing units also need to be modernized as per EU/HACCP standards.

Expeditious completion of hatchery at Neyyar dam and set up fresh hatcheries

7 Non-Farm Sector Establishment of district level marketing centres to provide marketing infrastructure for non-farm sector products.

Setting up of a common facility centres attached to industrial estates, promotion of industrial clusters.

Setting up of attractive marketing outlets for handicrafts, handloom and other non farm products.

Formation of more industrial estates and revival of sick units. 8 Storage godowns Augmentation of storage facilities for agri produce by setting up

godowns and cold storage facilities in rural areas.

Strengthening of agriculture wholesale markets at Anayara and Nedumangad constructed with the financial assistance of EEC. These markets may be utilized for procurement of vegetables and cash crops by the Govt. with adequate support price to help the small and marginal farmers.

9 Solid Waste Management

Modern sewage treatment plants to convert waste from households, hotel industry and other bio-degradable waste to various forms of energy may be set up in Corporation/Municipality/Panchayat areas.


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10.2. SOCIAL INFRASTRUCTURE INVOLVING BANK CREDIT- 2016-17

I. Introduction 10.2.1.1 Availability of Clean Drinking Water, adequate educational and health facilities, efficient waste management facility etc., defines the quality of life in a society. The better the availability, the deeper the impact on the population. Recent introduction of schemes like “Swachh Bharat” etc. has re-emphasised the need for better hygiene in the community. Government of India has also introduced various other schemes for improving education facilities, skill development, training etc., which in the long run will improve the GDP of the region. 10.2.1.2 As social Infrastructure sector has to be developed on a priority basis, Governments have given specific thrust to these sectors and to attract investments from the banking sector, credit to activities like school and health care Infrastructure, drinking water and sanitation infrastructure etc., in tier II Two tier VI centres is now considered as part of priority sector lending. Accordingly credit potential for these sectors have been assessed. 10.2.1.3 In Thiruvananthapuram district, the social sectors which are having the potential for bank credit are education sector and Community drinking water/sanitation facilities. 10.2.1.4 Assessment of Credit potential for 2016-17 Based on the above factors and as per the new priority sector lending norms, the credit potential estimated for 2016-17 under the sector is given below:

Table 10.2 - Credit potential for Social Infrastructure ( `. Lakh)

Sr. No.

Activity Base PLP Revised PLP Physical

units TFO Bank

Credit Physical

units TFO Bank

Credit 1 Educational

institutions (schools/colleges) (@ Average cost of `.10.00 lakh per unit)

- - -

50 500.00 400.00

2 Community drinking water/sanitation facilities (@ Average cost of `.2.50 lakh per unit)

- - -

80 200.00 160.00

Total - - - 700.00 560.00

The block-wise, activity wise financial potential under the sector for the year 2016-17 is furnished in Appendix C to Annexure-I. 10.2.1.5 Availability of Infrastructure Critical Gaps and Inventions Required, Action Points/ Issues to be addressed. Bank’s may provide credit for setting up schools and health care facilities and achieve there priority sector targets. This will also help the government in achieving the goal for Providing Urban Amenities in Rural Areas (PURA).


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10.3 Infrastructure indicators

Table 10.3 - Infrastructure indicators S. No Infrastructure component District State Category 1 Electricity

A Percentage of villages electrified (as per 2003-04 definition) 100% 100% A+

B Percentage of rural consumers to total consumers - 74% 2 Transportation A Road density per 1000 sq. km. (PWD roads) 1112 598 A+

B No of motor vehicles (registered vehicles of all types) per 1000 sq.km

456458 156242 A+

C Villages connected by pucca roads 116 1452 A+ 3 Irrigation A Irrigated area to net cropped area 6.55 18.58 D B % Area irrigated through groundwater 38.61 38 A+ C % Area irrigated through surface water 61.39 62 A+ 4 Communication A No of telephones per thousand population 359.11 333.92 A+ B Density of mobile phones NA 459.7 C Population served per post office 7973.43 85883 A D Average area served per post office (sq. km) 5.29 112.56 A+ 5 Education A Literacy rate 92.66 93.91 A B Literacy rate - Male 94.16 96.02 A C Literacy rate - Female 90.89 91.98 A

D No of schools (elementary education upto Standard 8th) per 1 lakh population

21.90 8.6 A+

E No. of secondary and sr. secondary schools per 1 lakh population (incl .private schools)

14.37 29.26 A

F No of Degree and professional colleges per 1 lakh population

1.14 0.99 A+

G Teacher Pupil ratio upto Class V Class V to Class VIII

39.45 43.18

41.8 32.3

A+ A

6 Health A Birth rate (per 1000 persons) NA 14.7 B Death rate (per 1000 persons) NA 6.8 C Maternal Mortality Rate (MMR) per 1 lakh live births 0.33 110 A+ D Infant Mortality Rate (IMR) per 1000 live births 13.76 13 A+ E Life expectancy at birth NA 73.8

F Sub centres / primary health centres / community health centres per 1 lakh population

2.82 3.24 A

G No. of Dispensaries and Hospitals per 1 lakh population 0.79 0.60 A+ H No.of beds in hospitals per 1 lakh population 147.02 114.47 A+

I Doctors (modern i.e allopathic system) per 1 lakh population ( in govt. sector)

16.03 15.61 A+

7 Water Supply

% of rural population having drinking water supply (fully or partially)

61.22 59.96 A+

8 Poverty % of rural people below poverty line NA 8.89 9 Agriculture Marketing A No. of regulated markets per 100 sq.km. NA 10 Productivity of major Agriculture Crops in Kg/ha (2012-13) Rice 2256 2577 A Banana 6810 8451 A Jack (No/Ha) 3297 3344 A


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S. No Infrastructure component District State Category Arecanut 563 1162 C Rubber 1462 A Coconut (no.s/ha) 7860 7265 A+ Source: Economic Review

(The classification of the district on each of the infrastructure component has been classified on a 5 point scale depending upon the deviation from the State level where the district indicator is 100% or more of the State indicator-A+, where it is between 85% to 99.9%-A, between 70% to 84.9% - B, between 50% to 69.9%-C).

10.4 . Sector wise Infrastructure requirements & Suggested Action Points

The major/critical infrastructure requirements of the district as identified in the PLP under various sub sectors are as under. The concerned Government Departments /PRIs may formulate suitable projects.

Table 10.4 Sector wise infrastructure requirement & present status

Sector Infrastructure requirement & Action suggested

High Priority Areas

Minor Irrigation Minor Irrigation projects at various villages viz., Aryanad, Venganoor, Madavoor, Kadakkavoor, Vamanapuram, Karode, Kizhuvilam, Athiyannoor, Navaikulam, Manamboor.

B Other Areas Rural Drinking Water Supply

Rural drinking water projects at Mannoorkkara, Veeranakavu, Perumkulam, Kallara, Panavoor, Pullampara, Vembayam, Palode, Anad, Kurumpuzha, Kattakkada, Edakkodu, Kazhakkoottam, Menamkulam and Ayiroorpara

Marketing Infrastructure

Marketing Infrastructure Projects at Chirayinkeezhu and Marayamuttom

Solid waste management projects

Set up modern sewage treatment plants

Fisheries Development

Completion of fishing harbour at Vizhinjam. Modern fish market with deep freezers and ice plants in Vizhinjam. Modernization of all fish landing centres and processing units. Completion of hatchery at Neyyar dam and set up fresh hatcheries

10.5 RIDF Projects in the district

The details of RIDF Projects sanctioned to the districts are as below:

Sl. No.

Tranche No. of projects

Total Financial Outlay (`.lakh)

RIDF Sanctions (`.lakh)

A Closed Tranches 207 10986.86 9495.07 B Ongoing Tranches 1 XIV 14 9906.70 7197.64 2 XV 6 2982.28 2400.60 3 XVI 23 2170.62 1821.45 4 XVII 23 2588.90 2363.84 5 XVIII 13 5075.16 4215.98 6 XIX 114 9080.23 7750.14 7 XX 31 5334.01 4409.59 Sub total B 224 37137.90 30159.24 Total (A+B) 431 48124.76 39654.31


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The details of RIDF projects sanctioned to the district under various sectors are as below:

Details of Projects sanctioned under RIDF (Rs. lakh)

Sl No Sector No of projects

sanctioned TFO RIDF loan

1 Construction of anganwadi centres 74 584.80 496.74 2 Fishing harbour/jetties 14 1362.21 1294.10 3 Flood protection 1 146.00 138.70 4 Forest development 2 143.36 130.86

5 Infrastructure for rural education institutions 33 1487.33 1264.30

6 Market yard, godown, mandi, rural haat, marketing infrastructure 24 952.56 896.44

7 Mini hydel projects/small hydel projects (upto 10 mw) 1 692.00 657.40

8 Minor irrigation projects 98 2183.28 2049.68

9 Public health institutions 15 2355.80 2122.67 10 Rural bridges 29 9868.88 8039.36

11 Rural drinking water supply 16 14013.40 10651.59 12 Rural roads 83 11462.88 9296.73

13 Seed/agriculture/horticulture farms 1 87.24 82.88

14 Watershed development/reclamation of waterlogged areas 40 2785.02 2532.86

15 Rural bridges 16 Seed/ Agriculture/ Horticulture farms

17 Watershed development / reclamation of water logged areas

TOTAL 431 48124.76 39654.31

The total number of projects sanctioned in the district since inception is 431 with an aggregate sanctioned loan amount of `.481.25 Crore. Out of the 431 projects sanctioned upto RIDF XX, 237 have already been completed and remaining 194 are under various stages of completion. It is observed that due to RIDF projects, credit deepening particularly from the formal sector has increased in various areas of the districts.

Under RIDF, presently projects related with 34 sub sectors are eligible for assistance. The projects under agriculture sector are provided assistance to a maximum of 95% of the eligible project cost where as 85% and 80% are provided assistance for social sectors and rural connectivity sectors.

10.6 Infrastructure projects suggested for seeking grant assistance under RIDF

The following are the few critical projects suggested for seeking assistance under RIDF:

Minor Irrigation projects at various villages viz., Aryanad, Venganoor, Madavoor, Kadakkavoor, Vamanapuram, Karode, Kizhuvilam, Athiyannoor, Navaikulam, Manamboor.

Modernization of water harvesting structures like ponds, tanks etc.

Rural drinking water projects at Mannoorkkara, Veeranakavu, Perumkulam, Kallara, Panavoor, Pullampara, Vembayam, Palode, Anad, Kurumpuzha, Kattakkada, Edakkodu, Kazhakkoottam, Menamkulam and Ayiroorpara

Solid waste management projects

Alternate renewable energy projects

Marketing Infrastructure Projects at Chirayinkeezhu and Marayamuttom

Fisheries – Modernisation of fishing harbor and fish landing centres.


73

CHAPTER - 11

INFORMAL CREDIT DELIVERY SYSTEM

11.1 Introduction

The SHG Bank Linkage Programme initiated by NABARD which began in 1992 with formation of 500 self help groups (SHGs) has emerged as the largest microfinance programme in the world. The SHG-BLP seeks to reach and address all types of financial needs of the poor, who hitherto were not able to access credits from banking institutions due to non-possession of collateral, high cost of transaction and by virtue being in un-banked blocks. The informal credit delivery system with SHGs at the center stage suits the rural conditions and has found favourable response from all concerned throughout the country. Besides reaching banking services to the rural poor, it has also proved to be the most cost effective delivery mechanism for all developmental programmes.

In Thiruvananthapuram district, Self Help groups under the SHG- Bank Linkage programme promoted by NABARD assisted NGOs and NHGs promoted by Kudumbashree Mission form the informal groups in the district. NGOs, Farmers’ Clubs and various commodity boards, Cooperative banks and Government departments have formed groups in the district. Major MFIs like ESAF Microfinance & Investments (P) Ltd, Muthoot Fin Corp etc. are active in the district in financing for SHGs. As on 31 March 2015, a total of 26983 SHGs have been Saving-linked with banks, as compared to a total potential of 28664 SHGs. A large number of SHG accounts are reported to be dormant and some have been closed. Assuming that 75% of the population may be covered under SHGs, the district has further potential for formation of 1681 new SHGs in isolated pockets where the movement has not penetrated.

Cumulative no. of SHGs credit linked with banks upto 31 March 2015 is 19231 with a balance outstanding of `.19854.44 lakh in respect of 9995 SHG accounts. The highlights of the programme are given below:

11.2. Status of SHG-BLP

The SHG–Bank linkage programme in the district involves credit linkage of NHG groups promoted by the District Mission, Kudumbashree. As stated above, nearly 27000 SHGs have been saving linked and around 19231 SHGs have availed at least one dose of Bank loan. The average credit per SHG is `.1.99 lakh. Recovery of loan sanctioned to SHGs is around 85% whereas NHGs promoted by Kudumbashree Mission has an impeccable repayment record of almost 99%. However, it is observed that banks are not very keen to extend bigger amount of credit.

11. 3. Issues related to micro Finance

As per data from Kudumbasree, NHGs alone in the district numbers more than 27000. Alongside this, there are groups promoted by NGOs, VAs and other agencies. Hence, more no. of SHGs have been formed in the district than the estimated potential which could be due to membership in multiple groups by the same family. It is observed that while the groups are able to meet the credit requirements of the members and continue to be group mode over the years, some areas of concern regarding the quality and sustainability exist. On the positive front the members in general exhibit faith and trust in the groups. It has created a sense of solidarity and social security among the group.

However, some areas of concern continue to remain as is reflected in the functioning of the groups. Weakness has crept in the groups and group dynamics are not sound and awareness about group objectives beyond thrift and credit at member level was limited. Some of the issues that are predominantly observed are:

There is no rotation of leadership. This leads to over dependence of groups on same leader continues to be high.


74

No clear understanding of rights and responsibilities of leaders/member.

Focus on group formation for availing subsidy from Government.

Absence of handholding support from Self Help Promoting Institutions (SHPIs).

No monitoring / supervision by banks.

The loans are being used for consumption needs and income generating activities are rarely taken up.

11.4. SHG Linkage Program -Goals and Strategy for the year 2016-17

The combined presence of SHGs and NHGs in the district has covered most of the BPL population in the district. There are members from poor families even having dual memberships. Many organisations like the ”Janashree”, is also forming groups at the grass root level. The number of SHGs linked to banks is drastically reducing over the years due to inactive and dormant groups. As such, the scope for further formation of groups in the district is shrinking. The strategy should therefore be for strengthening of the existing SHGs and linkage of the existing unlinked groups. Accordingly, around 5000 SHGs (including NHGs) are expected to be credit linked during the period 2016-17. 11.5. Estimation of Potential under SHG-BLP

Considering the total poor rural population of 17.79 lakh in the district, it is estimated that there is a total potential for promotion and saving linkage of 28664 SHGs in the district, which has already been exceeded. Large no. of SHGs have been promoted in the district. Hence, there may be potential for formation of very few SHGs only in the district, which may be in isolated tribal areas and scheduled caste colonies. Thus the potential for only 676 SHGs exists in the district for 2016-17. 11.6 Financing through Joint Liability Groups (JLGs)

The JLG mode of financing serves as collateral substitute for loans provided to the small, marginal, tenant farmers, oral lessees, share croppers, etc. It enables the banks to reach farmers through group approach, adopt cluster approach, facilitates peer education and credit discipline. Hence, the banks in the district may increase their financing to the small, marginal, tenant farmers and oral lessees through JLG mode of financing. Considering an estimated number of 102000 small and marginal farmers in the district, there is potential for financing of around 10000 JLGs in the district. To facilitate promotion of JLGs, banks/ Other Institutions (JLGPIs) are eligible for grant assistance from NABARD. Grant assistance will be extended to banks for formation, nurturing and financing of JLGs over a period of 3 years @ `2,000 per JLG. Further NABARD also conduct block level/district level SHG/JLG awareness programmes and also financial literacy programmes associating with Pradhan Mantri Jan Dhan Yojana (PMJDY).


75

CHAPTER - 12

AREA BASED SCHEMES

12.1 MODEL AREA DEVELOPMENT SCHEME FOR DAIRY 12.1.1 Introduction

Thiruvananthapuram district has great potential for dairy activity .Dairying provides a good opportunity to the banks for lending and the activity when financed after tying up all the linkages for provision of inputs, marketing and repayment will solve the problem of NPAs also. In order to make the dairy activity is viable, an area development pan has been prepared in consultation with the District Dairy Development Department and registered Dairy Cooperative Societies in the district. The beneficiaries would be identified by the society. The Plan intends to make a tri - partite agreement with banker-beneficiary and Dairy Cooperative Society as the three parties. Loan installment due will be adjusted from the sale proceeds directly by the Dairy Cooperative Society to the bank and the remaining amount will be paid to the beneficiary. Purchase of good quality animals and supply of feed and fodder will be ensured through the Dairy Cooperative society in association with the Dairy Department.

12.1.2 Area of operation : 28 villages in 7 blocks – Perumkadavila, Athiyannoor, Kazhakkoottam, Nemom, Kilimanoor, Parassala and Vellanad blocks.

12.1.3 Financing Bank & Branches : The Dairy Cooperatives will avail loan from Banks/ NABARD to extend financial assistance to around 280 identified beneficiaries.

12.1.4 Physical & Financial outlay of the project: The targets to be allocated to banks are as under:

Table No. 12.1.1 –Block-wise programmes under Dairy Development

Component Unit Cost Name of Block App. No. of cases

Total outlay

Margin @20%

Bank Loan

Crossbred cows (2 animals)

1.20 Athiyannor 40 48 9.6 38.4


1.20 Kazhakkoottam 40 48 9.6 38.4


1.20 Kilimanoor 40 48 9.6 38.4


1.20 Nemom 40 48 9.6 38.4


1.20 Parassala 40 48 9.6 38.4


1.20 Perumkadavila 40 48 9.6 38.4


1.20 Vellanad 40 48 9.6 38.4

Total 280 336 67.20 268.80


76

12.2 MODEL AREA DEVELOPMENT SCHEME FOR POULTRY:

12.2.1 Introduction

There is good scope for poultry activity in the district due to availability of day old chicks and training facilities in the district. Further the demand for poultry is increasing due to rising income levels and also the increasing awareness of the nutritional benefits of meat and egg from country birds over broiler chicken has triggered huge demand for locally grown poultry. A movement towards production of safe to eat food in the rural areas has also spurred the growth in the sector.

In order to make poultry activity more viable, an area development plan has been prepared in consultation with Animal Husbandry department and some of the NGOs working in the district who are engaged in promoting SHGs/ JLGs engaged in Back yard poultry. The beneficiaries are identified by the NGOs and training provided with assistance from NABARD. 12.2.2 Area of operation: All Blocks. 12.2.3 Financing Banks

All financing banks of the district to extend financial assistance for poultry (layer/backyard etc.). Final selection of the beneficiaries rests with the concerned bank.

12.2.4 Physical & Financial outlay

The physical and Financial outlay of the programme are as under:

Table No. 12 .2.1 –Programmes under Poultry Development (` lakh)

Component Unit Cost No of units

Total outlay Bank Loan

Poultry layer (cage system – 100 bird units)

0.50 2200 1100.00 990.00

Back yard cage Poultry-50 chicks

0.18 600 105.00 94.50

Total 1205.00 1084.50


77

District:

Athiyanoor Chirayinkil Pothencode Kilimanoor Nedumangad Nemom ParassalaPerumkadavi

laTVM-Urban

Vamanapura

mVarkala Vellanad

I AGRICULTUREA FARM CREDIT1 Crop Production maintenance, Marketing

PADDY 0.74 Ha. Phy. 160 50 130 235 315 265 105 530 50 240 230 315 2625B.L. 117.60 36.75 95.55 172.73 231.53 194.78 77.18 389.55 36.75 176.40 169.05 231.53 1929.38

COCONUT 1.22 Ha. Phy. 6300 6300 6300 6300 6300 6500 7200 6500 5000 6300 6300 6300 75600B.L. 7673.40 7673.40 7673.40 7673.40 7673.40 7917.00 8769.60 7917.00 6090.00 7673.40 7673.40 7673.40 92080.80

RUBBER 1.05 Ha. Phy. 1550 930 3720 3720 3720 1860 1860 3720 155 2945 2170 4650 31000B.L. 1627.50 976.50 3906.00 3906.00 3906.00 1953.00 1953.00 3906.00 162.75 3092.25 2278.50 4882.50 32550.00

BANANA (RED) 5.07 Ha. Phy. 220 275 275 495 495 495 550 1210 110 495 385 495 5500B.L. 1115.40 1394.25 1394.25 2509.65 2509.65 2509.65 2788.50 6134.70 557.70 2509.65 1951.95 2509.65 27885.00

BANANA (NENDRAN) 4.68 Ha. Phy. 110 110 110 110 110 110 154 550 110 220 132 374 2200B.L. 514.80 514.80 514.80 514.80 514.80 514.80 720.72 2574.00 514.80 1029.60 617.76 1750.32 10296.00

BANANA (OTHERS) 2.06 Ha. Phy. 110 110 110 110 110 110 132 550 88 220 110 440 2200B.L. 226.94 226.94 226.94 226.94 226.94 226.94 272.33 1134.71 181.55 453.88 226.94 907.76 4538.82

VEGETABLES 2.52 Ha. Phy. 250 250 300 250 250 250 400 400 200 350 250 350 3500B.L. 629.20 629.20 755.04 629.20 629.20 629.20 1006.72 1006.72 503.36 880.88 629.20 880.88 8808.80

PEPPER/SPICES 1.51 Ha. Phy. 120 60 120 250 350 350 125 400 50 200 300 300 2625B.L. 181.10 90.55 181.10 377.30 528.22 528.22 188.65 603.68 75.46 301.84 452.76 452.76 3961.65

TAPIOCA 0.80 Ha. Phy. 1200 1145 1200 1200 1500 1200 1500 2000 500 1500 1200 1500 15645B.L. 960.00 916.00 960.00 960.00 1200.00 960.00 1200.00 1600.00 400.00 1200.00 960.00 1200.00 12516.00

PINEAPPLE 1.32 Ha. Phy. 12 12 25 25 11 10 20 20 0 25 20 20 200B.L. 15.78 15.78 32.88 32.88 14.47 13.15 26.30 26.30 0.00 32.88 26.30 26.30 263.00

CASHEW 0.28 Ha. Phy. 100 100 100 200 200 50 50 250 15 65 100 100 1330B.L. 27.50 27.50 27.50 55.00 55.00 13.75 13.75 68.75 4.13 17.88 27.50 27.50 365.75

TURMERIC 1.44 Ha. Phy. 5 5 5 5 5 5 5 10 0 5 5 5 60B.L. 7.22 7.22 7.22 7.22 7.22 7.22 7.22 14.44 0.00 7.22 7.22 7.22 86.64

GINGER 1.42 Ha. Phy. 5 5 5 5 5 5 10 15 5 10 10 20 100B.L. 7.12 7.12 7.12 7.12 7.12 7.12 14.23 21.35 7.12 14.23 14.23 28.46 142.30

TEA 0.80 Ha. Phy. 0 0 0 0 950 0 0 0 0 0 0 50 1000B.L. 0.00 0.00 0.00 0.00 757.15 0.00 0.00 0.00 0.00 0.00 0.00 39.85 797.00

MEDICINAL PLANTS 0.96 Ha. Phy. 3 3 3 3 3 3 3 3 1 1 1 3 30B.L. 2.89 2.89 2.89 2.89 2.89 2.89 2.89 2.89 0.96 0.96 0.96 2.89 28.88

PULSES 0.12 Ha. Phy. 10 10 20 20 20 20 20 30 10 10 10 20 200B.L. 1.20 1.20 2.40 2.40 2.40 2.40 2.40 3.60 1.20 1.20 1.20 2.40 24.00

TUBER CROPS 0.76 Ha. Phy. 100 100 105 125 115 100 100 125 10 100 75 100 1155B.L. 75.60 75.60 79.38 94.50 86.94 75.60 75.60 94.50 7.56 75.60 56.70 75.60 873.18

VANILLA 0.36 Ha. Phy. 1 1 1 1 1 1 1 1 1 1 1 1 12B.L. 0.36 0.36 0.36 0.36 0.36 0.36 0.36 0.36 0.36 0.36 0.36 0.36 4.29

GREEN FODDER 0.83 Ha. Phy. 50 50 50 50 50 50 75 100 5 50 50 50 630B.L. 41.25 41.25 41.25 41.25 41.25 41.25 61.88 82.50 4.13 41.25 41.25 41.25 519.75

FLOWERS 2.07 1000 NO. Phy. 0.50 1.50 1.50 1.50 0.50 1.00 1.00 1.00 2.00 0.50 0.50 0.50 12.00B.L. 1.04 3.11 3.11 3.11 1.04 2.07 2.07 2.07 4.15 1.04 1.04 1.04 24.88

13225.89 12640.41 15911.18 17216.73 18395.56 15599.39 17183.39 25583.11 8551.96 17510.51 15136.32 20741.66 197696.111322.59 1264.04 1591.12 1721.67 1839.56 1559.94 1718.34 2558.31 855.20 1751.05 1513.63 2074.17 19769.612645.18 2528.08 3182.24 3443.35 3679.11 3119.88 3436.68 5116.62 1710.39 3502.10 3027.26 4148.33 39539.22

17193.66 16432.54 20684.53 22381.75 23914.23 20279.21 22338.40 33258.04 11117.55 22763.66 19677.21 26964.16 257004.95

2 Water ResourcesDUGWELL 0.50 Phy. 50 100 200 150 100 200 100 450 100 450 350 450 2700

B.L. 22.50 45.00 90.00 67.50 45.00 90.00 45.00 202.50 45.00 202.50 157.50 202.50 1215.00FIL.PT/WELL 0.20 Phy. 30 75 195 25 20 100 75 40 25 30 60 25 700

B.L. 5.40 13.50 35.10 4.50 3.60 18.00 13.50 7.20 4.50 5.40 10.80 4.50 126.00PUMPSET 0.28 Phy. 50 100 200 150 100 200 100 450 100 450 350 450 2700

B.L. 12.42 24.84 49.68 37.26 24.84 49.68 24.84 111.78 24.84 111.78 86.94 111.78 670.68DRIP Coconut 0.26 Phy. 50 30 40 40 50 30 30 100 10 40 30 50 500

B.L. 11.70 7.02 9.36 9.36 11.70 7.02 7.02 23.40 2.34 9.36 7.02 11.70 117.00DRIP Banana 0.75 Phy. 100 75 75 175 175 125 80 200 90 175 100 200 1570

B.L. 67.05 50.29 50.29 117.34 117.34 83.81 53.64 134.10 60.35 117.34 67.05 134.10 1052.69SPRINKLER 0.48 Phy. 7 12 12 12 12 12 12 15 7 10 12 12 135

B.L. 3.02 5.18 5.18 5.18 5.18 5.18 5.18 6.48 3.02 4.32 5.18 5.18 58.32PUMPHOUSE 0.12 Phy. 5 25 70 75 80 50 25 120 50 115 70 115 800

B.L. 0.54 2.70 7.56 8.10 8.64 5.40 2.70 12.96 5.40 12.42 7.56 12.42 86.40STORAGE TANK 0.25 Phy. 40 30 30 35 35 25 30 40 25 35 25 35 385

B.L. 9.00 6.75 6.75 7.88 7.88 5.63 6.75 9.00 5.63 7.88 5.63 7.88 86.63

Appendix C to Annexure I: Activity-wise / Block-wise Physical and Financial Projections for 2016-17(Rs. in Lakh)

Sr.N

o.Activity

Unit Cost

(Rs. Unit Size Block 10 Block 11 Block 12 District TotalBlock 2 Block 3 Block 8 Block 9

a

b

Block 4 Block 5 Block 6 Block 7Block 1

c

d

e

f

g

h

i

j

k

l

m

n

o

p

q

r

s

t

Crop husbandry Total Bank Loan10% for Post Harvest/Household Consumption 20% - Repairs and maintenance expenses of farm CROP LOAN TOTAL

a No.

b No.

c No.

d No.

e No.

f No.

g No.

h No.


78

District:


laTVM-Urban

Vamanapura

mVarkala Vellanad


Sr.N

o.Activity

Unit Cost

(Rs. Unit Size Block 10 Block 11 Block 12 District TotalBlock 2 Block 3 Block 8 Block 9Block 4 Block 5 Block 6 Block 7Block 1

PIPELINE 0.16 Phy. 20 40 40 25 40 25 25 40 20 45 30 50 400B.L. 2.81 5.62 5.62 3.51 5.62 3.51 3.51 5.62 2.81 6.32 4.21 7.02 56.16

LIFT IRRIGATION 0.75 Phy. 0 5 5 5 5 5 5 5 0 10 5 5 55B.L. 0.00 3.38 3.38 3.38 3.38 3.38 3.38 3.38 0.00 6.75 3.38 3.38 37.13

RENOVATION OF WELL 0.17 Phy. 15 15 35 30 40 20 20 50 10 45 15 45 340B.L. 2.27 2.27 5.29 4.54 6.05 3.02 3.02 7.56 1.51 6.80 2.27 6.80 51.41

BORE WELL + PUMP SET 1.09 Phy. 10 15 40 20 25 20 15 40 10 45 20 40 300B.L. 9.77 14.65 39.06 19.53 24.41 19.53 14.65 39.06 9.77 43.94 19.53 39.06 292.95

RAIN WATER HARVESTING 0.32 Phy. 250 225 200 225 200 225 225 225 200 225 200 225 2625B.L. 72.90 65.61 58.32 65.61 58.32 65.61 65.61 65.61 58.32 65.61 58.32 65.61 765.45

Water Resources Total 219.38 246.80 365.58 353.68 321.95 359.77 248.80 628.64 223.48 600.42 435.38 611.93 4615.80

3 Farm MechanizationPhy. 0 0 2 3 2 3 5 5 0 2 0 2 24.00B.L. 0.00 0.00 15.39 23.09 15.39 23.09 38.48 38.48 0.00 15.39 0.00 15.39 184.68Phy. 5 5 5 5 5 5 5 5 0 5 5 5 55.00B.L. 11.48 11.48 11.48 11.48 11.48 11.48 11.48 11.48 0.00 11.48 11.48 11.48 126.23Phy. 125 115 160 125 175 85 115 225 125 160 75 215 1700.00B.L. 22.50 20.70 28.80 22.50 31.50 15.30 20.70 40.50 22.50 28.80 13.50 38.70 306.00Phy. 500 600 750 600 750 450 650 650 400 700 525 725 7300.00B.L. 450.00 540.00 675.00 540.00 675.00 405.00 585.00 585.00 360.00 630.00 472.50 652.50 6570.00

Farm Mechanization -

Total483.98 572.18 730.67 597.06 733.37 454.86 655.65 675.45 382.50 685.67 497.48 718.07 7186.91

4 Plantation/ Horticulture/ SericulturePhy. 15 15 30 30 20 10 10 15 0 15 15 30 205.00B.L. 12.73 12.73 25.46 25.46 16.97 8.49 8.49 12.73 0.00 12.73 12.73 25.46 173.98Phy. 2000 1000 3500 1000 750 700 1750 600 100 600 1200 1200 14400.00B.L. 2712.60 1356.30 4747.05 1356.30 1017.23 949.41 2373.53 813.78 135.63 813.78 1627.56 1627.56 19530.72Phy. 100 0 0 100 500 100 100 100 0 300 0 200 1500.00B.L. 281.25 0.00 0.00 281.25 1406.25 281.25 281.25 281.25 0.00 843.75 0.00 562.50 4218.75Phy. 2 0 0 5 10 0 2 5 0 5 0 5 34.00B.L. 3.01 0.00 0.00 7.52 15.03 0.00 3.01 7.52 0.00 7.52 0.00 7.52 51.10Phy. 10 5 5 10 15 0 5 5 0 5 0 5 65.00B.L. 2.70 1.35 1.35 2.70 4.05 0.00 1.35 1.35 0.00 1.35 0.00 1.35 17.55Phy. 10 10 20 20 20 10 10 30 0 20 10 10 170.00B.L. 8.10 8.10 16.20 16.20 16.20 8.10 8.10 24.30 0.00 16.20 8.10 8.10 137.70Phy. 10 10 20 20 20 10 10 30 0 20 10 10 170.00B.L. 5.85 5.85 11.70 11.70 11.70 5.85 5.85 17.55 0.00 11.70 5.85 5.85 99.45Phy. 20 20 20 30 40 20 30 35 0 30 15 35 295.00B.L. 25.88 25.88 25.88 38.83 51.77 25.88 38.83 45.30 0.00 38.83 19.41 45.30 381.79Phy. 20 20 30 20 35 15 15 35 3 35 15 35 278.00B.L. 14.94 14.94 22.41 14.94 26.15 11.21 11.21 26.15 2.24 26.15 11.21 26.15 207.67Phy. 15 15 15 15 25 15 15 25 3 15 15 35 208.00B.L. 24.88 24.88 24.88 24.88 41.47 24.88 24.88 41.47 4.98 24.88 24.88 58.05 345.01Phy. 15 15 10 15 15 15 15 10 0 15 15 15 155.00B.L. 1.62 1.62 1.08 1.62 1.62 1.62 1.62 1.08 0.00 1.62 1.62 1.62 16.74Phy. 0 0 0 0 100 0 0 0 0 0 0 0 100.00B.L. 0.00 0.00 0.00 0.00 368.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 368.28Phy. 10 10 10 10 20 5 10 10 0 20 10 20 135.00B.L. 10.80 10.80 10.80 10.80 21.60 5.40 10.80 10.80 0.00 21.60 10.80 21.60 145.80

n RAMBUTTAN Phy. 5 5 5 5 5 5 5 5 2 5 5 5 57B.L. 12.79 12.79 12.79 12.79 12.79 12.79 12.79 12.79 5.12 12.79 12.79 12.79 145.79

o Phy. 25 25 25 35 100 25 30 125 15 110 35 100 650B.L. 9.00 9.00 9.00 12.60 36.00 9.00 10.80 45.00 5.40 39.60 12.60 36.00 234.00

p Phy. 25 25 35 25 25 35 35 35 15 35 25 25 340B.L. 27.00 27.00 37.80 27.00 27.00 37.80 37.80 37.80 16.20 37.80 27.00 27.00 367.20

q Phy. 1500 1500 1500 1800 2000 1500 1500 1850 1250 2000 2000 2150 20550B.L. 1674.00 1674.00 1674.00 2008.80 2232.00 1674.00 1674.00 2064.60 1395.00 2232.00 2232.00 2399.40 22933.80

r Phy. 20 20 15 20 20 20 20 20 30 30 30 30 275B.L. 27.00 27.00 20.25 27.00 27.00 27.00 27.00 27.00 40.50 40.50 40.50 40.50 371.25

s Phy. 15 15 15 15 15 30 30 25 15 15 15 20 225B.L. 1.49 1.49 1.49 1.49 1.49 2.97 2.97 2.48 1.49 1.49 1.49 1.98 22.28

t Phy. 10 0 5 5 20 15 15 25 0 5 0 5 105

i No.

j No.

k No.

l No.

m No.

a TRACTOR 8.55 No.

b POWER TILLER 2.55 No.

c SPRAYERS/DUSTERS 0.20 No.

d OTHER EQUIPMENTS 1.00 No.

a CASHEW 0.94 Ha

b COCONUT (IRRIGATED) 1.51 Ha

c RUBBER - PLANTATION 3.13 Ha

d RUBBER - NURSERY 1.67 Ha

e RUBBER ROLLERS 0.30 No.

f RUBBER SHEET DRIERS 0.90 No.

g RUBBER SMOKE HOUSES 0.65 No.

h PEPPER - NEW PLANT 1.44 Ha

i PEPPER REJUVENATION 0.83 Ha

j ARECANUT 1.84 Ha

k BETELVINE 0.12 Ha

l TEA REPLANTATION 4.09 Ha

m MANGO 1.20 Ha

MEDICINAL PLANTS 0.40 Ha

2.84 0.04 Ha

NURSERY MISC. 1.20 0.40 Ha

MIXED CROPPING 1.24 Ha

ORCHID/ANTHURIUM 1.50 Ha

JASMINE/FLOWERS 0.11 Ha

SERICULTURE 0.70 Ha


79

District:


laTVM-Urban

Vamanapura

mVarkala Vellanad


Sr.N

o.Activity

Unit Cost


B.L. 6.30 0.00 3.15 3.15 12.60 9.45 9.45 15.75 0.00 3.15 0.00 3.15 66.15

u Phy. 75 75 130 50 125 50 65 65 125 75 50 125 1010

B.L. 11.14 11.14 19.31 7.43 18.56 7.43 9.65 9.65 18.56 11.14 7.43 18.56 149.99v Phy. 0 0 0 3 3 0 0 3 0 3 0 3 15

B.L. 0.00 0.00 0.00 5.17 5.17 0.00 0.00 5.17 0.00 5.17 0.00 5.17 25.85w Phy. 5 5 5 15 20 5 5 20 5 25 0 25 135

B.L. 1.13 1.13 1.13 3.38 4.50 1.13 1.13 4.50 1.13 5.63 0.00 5.63 30.38Phy. 1 1 1 1 1 1 1 1 1 1 1 1 12

B.L. 4.84 4.84 4.84 4.84 4.84 4.84 4.84 4.84 4.84 4.84 4.84 4.84 58.10

Phy. 1 1 1 1 1 1 1 1 1 1 1 1 12B.L. 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 6.91

Plantation/ Horticulture/ Sericulture - Total 4879.62 3231.41 6671.14 3906.41 5380.83 3109.06 4559.90 3513.42 1631.65 4214.77 4061.38 4946.65 50106.24

5 Forestry & Wasteland DevelopmentPhy. 50 50 50 50 50 50 50 50 25 50 50 50 575B.L. 32.40 32.40 32.40 32.40 32.40 32.40 32.40 32.40 16.20 32.40 32.40 32.40 372.60Phy. 10 10 10 10 30 10 10 20 5 10 10 10 145B.L. 6.48 6.48 6.48 6.48 19.44 6.48 6.48 12.96 3.24 6.48 6.48 6.48 93.96

Forestry & Wasteland Development Total 38.88 38.88 38.88 38.88 51.84 38.88 38.88 45.36 19.44 38.88 38.88 38.88 466.56

6 Animal Husbandry - DairyPhy. 1600 1600 2250 2100 2100 2250 2250 2600 2050 2600 2050 2250 25700B.L. 1368.00 1368.00 1923.75 1795.50 1795.50 1923.75 1923.75 2223.00 1752.75 2223.00 1752.75 1923.75 21973.50Phy. 70 50 50 50 70 50 70 70 50 70 50 50 700B.L. 69.62 49.73 49.73 49.73 69.62 49.73 69.62 69.62 49.73 69.62 49.73 49.73 696.15Phy. 425 325 525 325 525 525 525 525 200 425 425 525 5275B.L. 206.55 157.95 255.15 157.95 255.15 255.15 255.15 255.15 97.20 206.55 206.55 255.15 2563.65Phy. 2 0 0 0 0 0 2 2 0 0 0 0 6B.L. 41.90 0.00 0.00 0.00 0.00 0.00 41.90 41.90 0.00 0.00 0.00 0.00 125.71Phy. 1100 1200 1200 1100 1350 500 1600 1750 200 1350 1100 1350 13800B.L. 198.00 216.00 216.00 198.00 243.00 90.00 288.00 315.00 36.00 243.00 198.00 243.00 2484.00Phy. 10 10 10 10 10 10 10 10 10 10 10 10 120

B.L. 1.80 1.80 1.80 1.80 1.80 1.80 1.80 1.80 1.80 1.80 1.80 1.80 21.60

Phy. 2 2 2 2 2 2 2 2 1 2 2 2 23B.L. 9.05 9.05 9.05 9.05 9.05 9.05 9.05 9.05 4.53 9.05 9.05 9.05 104.12Phy. 5 5 5 5 5 5 10 10 5 5 5 5 70

B.L. 2.30 2.30 2.30 2.30 2.30 2.30 4.59 4.59 2.30 2.30 2.30 2.30 32.13

Animal Husbandry - Dairy - Total 1897.22 1804.82 2457.77 2214.32 2376.41 2331.77 2593.86 2920.11 1944.30 2755.31 2220.17 2484.77 28000.86

7Animal Husbandry -

Poultry

Phy. 170 115 160 125 135 145 375 175 700 125 125 150 2500B.L. 157.13 106.29 147.89 115.54 124.78 134.02 346.61 161.75 647.01 115.54 115.54 138.65 2310.75Phy. 100 100 150 100 100 150 350 400 300 200 100 150 2200B.L. 45.00 45.00 67.50 45.00 45.00 67.50 157.50 180.00 135.00 90.00 45.00 67.50 990.00

Phy. 5 15 15 15 5 10 10 10 5 10 10 10 120

B.L. 3.09 9.27 9.27 9.27 3.09 6.18 6.18 6.18 3.09 6.18 6.18 6.18 74.20

Phy. 2 2 2 2 2 2 1 2 1 2 1 1 20

B.L. 45.00 45.00 45.00 45.00 45.00 45.00 22.50 45.00 22.50 45.00 22.50 22.50 450.00Phy. 10 10 10 10 15 10 15 10 15 10 10 10 135B.L. 22.50 22.50 22.50 22.50 33.75 22.50 33.75 22.50 33.75 22.50 22.50 22.50 303.75

Phy. 1 2 1 0 0 0 2 1 0 0 0 0 7

B.L. 19.35 38.70 19.35 0.00 0.00 0.00 38.70 19.35 0.00 0.00 0.00 0.00 135.45

Phy. 2 0 0 0 0 1 3 1 3 2 2 0 14

B.L. 10.80 0.00 0.00 0.00 0.00 5.40 16.20 5.40 16.20 10.80 10.80 0.00 75.60

Phy. 5 5 0 5 5 5 5 5 2 3 5 5 50

B.L. 7.92 7.92 0.00 7.92 7.92 7.92 7.92 7.92 3.17 4.75 7.92 7.92 79.25

Phy. 3 2 3 2 3 3 2 2 0 1 2 2 25

B.L. 3.09 2.06 3.09 2.06 3.09 3.09 2.06 2.06 0.00 1.03 2.06 2.06 25.76

SERICULTURE 0.70 Ha

MUSHROOM 0.17100 kg

batch

VANILLA 1.92 Ha

APICULTURE 0.25 Ha

0.72 Ha

xNATURALLY VENTILATED

POLYHOUSES5.38 10 cents

y RAIN SHELTER HOUSE 0.64 100 sq.m

a C.B.COW (1 COW UNIT) 0.95 No.

aWASTELAND

DEVELOPMENT0.72 Ha

b FARM FORESTRY

b GR. MURRAH BUFFALO 1.11 No.

c CALF REARING 0.54 No.

d FEEDMIX UNIT 8T/SHIFT 23.28 No.

e FODDER DEVELOPMENT 0.20 Ha

fMILK PRODUCTION/ MFG

(50 LPD)0.20 No.

gDAIRY UNIT - 5 COWS

(3+2 UNIT)5.03 No.

hMALE BUFFALO CALF

REARING 0.51 No.

a BROILER 1.03 250 birds

0.50 100 birds

0.69 250 no.s

25.001000 bird

unit

2.50 No.s

b LAYER (CAGE SYSTEM)

c EGGER NURSERY

d HATCHERY - 100 bird unit

e EGG CART SCHEME

f FEED PLANT 21.50 8 T/shift

g

POULTRY PROCESSING -

500 bird unit -semi

automatic machine

6.00 No.s

h DUCK REARING 1.76500 F

+75 M

i QUAIL REARING - LAYER 1.15 1000 no.s


80

District:


laTVM-Urban

Vamanapura

mVarkala Vellanad


Sr.N

o.Activity

Unit Cost


Phy. 1 0 1 0 0 1 1 0 0 0 0 1 5

B.L. 1.58 0.00 1.58 0.00 0.00 1.58 1.58 0.00 0.00 0.00 0.00 1.58 7.92

k Phy. 35 25 60 40 60 30 60 60 50 60 60 60 600

B.L. 5.51 3.94 9.45 6.30 9.45 4.73 9.45 9.45 7.88 9.45 9.45 9.45 94.50Phy. 1 0 1 0 0 1 1 0 1 0 0 0 5B.L. 1.22 0.00 1.22 0.00 0.00 1.22 1.22 0.00 1.22 0.00 0.00 0.00 6.12

Animal Husbandry - Poultry - Total 322.21 280.69 326.86 253.60 272.09 299.16 643.69 459.62 869.82 305.26 241.96 278.35 4553.29

8 Animal Husbandry - SGPPhy. 750 650 650 550 800 600 750 625 200 775 775 825 7950B.L. 308.48 267.35 267.35 226.22 329.04 246.78 308.48 257.06 82.26 318.76 318.76 339.32 3269.84Phy. 125 125 125 125 125 115 160 160 100 125 125 125 1535B.L. 78.75 78.75 78.75 78.75 78.75 72.45 100.80 100.80 63.00 78.75 78.75 78.75 967.05Phy. 20 10 15 10 25 10 15 15 10 20 10 20 180B.L. 313.63 156.82 235.22 156.82 392.04 156.82 235.22 235.22 156.82 313.63 156.82 313.63 2822.69Phy. 20 20 20 15 20 20 30 20 5 10 20 30 230B.L. 35.06 35.06 35.06 26.30 35.06 35.06 52.60 35.06 8.77 17.53 35.06 52.60 403.24Phy. 15 10 15 10 20 10 20 15 5 10 10 10 150B.L. 26.30 17.53 26.30 17.53 35.06 17.53 35.06 26.30 8.77 17.53 17.53 17.53 262.98

Animal Husbandry - SGP - Total 762.22 555.51 642.68 505.61 869.96 528.64 732.16 654.45 319.61 746.20 606.92 801.83 7725.79

9 Fisheries9.1 INLAND FISHERIES

Phy. 65 50 50 35 35 30 60 25 25 30 25 30 460B.L. 57.92 44.55 44.55 31.19 31.19 26.73 53.46 22.28 22.28 26.73 22.28 26.73 409.86Phy. 30 30 0 0 5 15 15 5 25 5 25 5 160B.L. 6.48 6.48 0.00 0.00 1.08 3.24 3.24 1.08 5.40 1.08 5.40 1.08 34.56Phy. 3 3 4 4 2 2 2 4 0 2 3 3 32B.L. 40.50 40.50 54.00 54.00 27.00 27.00 27.00 54.00 0.00 27.00 40.50 40.50 432.00Phy. 1 0 0 0 0 1 1 0 0 0 2 0 5B.L. 0.90 0.00 0.00 0.00 0.00 0.90 0.90 0.00 0.00 0.00 1.80 0.00 4.50Phy. 2 2 0 0 0 0 0 0 0 0 1 0 5B.L. 18.00 18.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.00 0.00 45.00

1.00 Ha Phy. 0 0 1 1 1 0 0 1 0 0 0 1 5

B.L. 0.00 0.00 0.90 0.90 0.90 0.00 0.00 0.90 0.00 0.00 0.00 0.90 4.501.50 No. Phy. 10 20 20 10 15 10 10 20 5 10 10 10 150

B.L. 13.50 27.00 27.00 13.50 20.25 13.50 13.50 27.00 6.75 13.50 13.50 13.50 202.501.00 No. Phy. 0 0 0 0 0 0 0 2 2 2 2 2 10

B.L. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.80 1.80 1.80 1.80 1.80 9.00Phy. 1 1 1 1 1 0 0 0 0 0 0 0 5B.L. 9.00 9.00 9.00 9.00 9.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 45.00

SUBTOTAL INLAND

FISHERIESB.L. 146.30 145.53 135.45 108.59 89.42 71.37 98.10 107.06 36.23 70.11 94.28 84.51 1186.92

9.2 MARINE FISHERIES

Phy. 45 35 45 0 0 15 35 0 10 0 45 0 230

B.L. 50.63 39.38 50.63 0.00 0.00 16.88 39.38 0.00 11.25 0.00 50.63 0.00 258.75

0.15 Phy. 200 300 300 0 0 100 265 0 160 0 220 0 1545

B.L. 27.00 40.50 40.50 0.00 0.00 13.50 35.78 0.00 21.60 0.00 29.70 0.00 208.58

l 0.36 Phy. 25 25 25 0 0 10 20 0 10 0 15 0 130

B.L. 8.10 8.10 8.10 0.00 0.00 3.24 6.48 0.00 3.24 0.00 4.86 0.00 42.12

m 0.58 0.40 Ha Phy. 3 5 3 0 0 0 6 0 0 0 4 0 21

B.L. 1.56 2.60 1.56 0.00 0.00 0.00 3.12 0.00 0.00 0.00 2.08 0.00 10.92

n 4.50 No. Phy. 70 75 70 0 0 10 70 0 60 0 75 0 430

B.L. 283.50 303.75 283.50 0.00 0.00 40.50 283.50 0.00 243.00 0.00 303.75 0.00 1741.50

o 15.00 No. Phy. 3 1 1 0 0 0 2 0 1 0 2 0 10

B.L. 40.50 13.50 13.50 0.00 0.00 0.00 27.00 0.00 13.50 0.00 27.00 0.00 135.00

Phy. 0 1 0 0 0 0 0 0 0 0 1 0 2B.L. 0.00 27.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 27.00 0.00 54.00

71.00 No. Phy. 2 0 0 0 0 0 1 0 0 0 1 0 4B.L. 127.80 0.00 0.00 0.00 0.00 0.00 63.90 0.00 0.00 0.00 63.90 0.00 255.60

10.15 No. Phy. 1 0 0 0 0 0 0 0 0 0 1 0 2

MARINE PLYWOOD CANOE

SEA CAGE CULTURE UNIT

15.00

PIG BREEDING

jQUAIL REARING -

BROILER1.76 250/week

lMOTHER UNIT FOR

BACKYARD POULTRY1.36

1500

chicks

a GOAT REARING - 3 DOES 0.46 3 DOES

b GOAT REARING - 3+1 0.70 3 D + 1 B

c COMM. GOAT REARING 17.42 100 D +4B

10 PIGLETS

3 S+ 1 B

d PIG FATTENER 1.95

e 1.95

a FRESH WATER FISH FARM 0.99

30.00

NURSERY REARING

PONDS

0.24

10.00

f

gBACKYARD HATCHERY

FOR SHG WOMEN

j OUT BOARD MOTOR 1.25

No.

k FISHING GEAR

CATTAMARAN

MUSSEL CULTURE

No.

FACILITIES FOR FISH

CURING, DRYING, q

iCAGE CULTURE OF FIN

FISHES IN PONDS10.00 Ha

pCONVERSION OF

EXISTING VESSEL INTO

No.

No.

Ha

b COUNTRY BOAT No.

c

SETTING UP PCR LAB IN

HATCHERIES

Ha

d ORNAMENTAL FISH 1.00 50000

e No.

hAQUARIUM FABRICATION

UNITS

REFRIGERATED SEA

WATER SYSTEM ON

BOARD

r

BACKYARD POULTRY 0.18 50 chicks

RENOVATION OF PONDS

AND TANKS


81

District:


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mVarkala Vellanad


Sr.N

o.Activity

Unit Cost


B.L. 9.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.14 0.00 18.276.00 No. Phy. 4 4 0 0 0 0 4 0 4 0 4 0 20

B.L. 21.60 21.60 0.00 0.00 0.00 0.00 21.60 0.00 21.60 0.00 21.60 0.00 108.00SUBTOTAL - MARINE

FISHERIESB.L. 569.82 456.43 397.79 0.00 0.00 74.12 480.75 0.00 314.19 0.00 539.65 0.00 2832.74

9.3 PRAWN CULTUREt 5.13 Phy. 40 40 40 0 0 20 35 0 0 0 25 0 200

B.L. 184.75 184.75 184.75 0.00 0.00 92.38 161.66 0.00 0.00 0.00 115.47 0.00 923.76u 12.00 5 MILLION Phy. 10 10 0 0 0 0 0 0 0 0 10 0 30

B.L. 108.00 108.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 108.00 0.00 324.00v 52.00 No. Phy. 1 1 0 0 0 0 0 0 1 0 1 0 4

B.L. 46.80 46.80 0.00 0.00 0.00 0.00 0.00 0.00 46.80 0.00 46.80 0.00 187.20w 14.00 No. Phy. 0 1 0 0 0 0 0 0 1 0 1 0 3

B.L. 0.00 12.60 0.00 0.00 0.00 0.00 0.00 0.00 12.60 0.00 12.60 0.00 37.80x 6.00 No. Phy. 0 0 0 0 0 0 0 0 1 0 1 0 2

B.L. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.40 0.00 5.40 0.00 10.80y 44.00 No. Phy. 0 0 0 0 0 0 0 0 1 0 0 0 1

B.L. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 39.60 0.00 0.00 0.00 39.60

SUBTOTAL - PRAWN

CULTUREB.L. 339.55 352.15 184.75 0.00 0.00 92.38 161.66 0.00 104.40 0.00 288.27 0.00 1523.16

Fisheries- Total 1055.67 954.11 717.99 108.59 89.42 237.86 740.51 107.06 454.82 70.11 922.20 84.51 5542.82

10 OthersPhy. 1 1 1 1 1 1 1 2 0 1 1 2 13B.L. 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.81 0.00 0.41 0.41 0.81 5.27Phy. 2 2 2 2 2 2 2 2 0 2 2 2 22B.L. 1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.08 0.00 1.08 1.08 1.08 11.88

Others- Total B.L. 1.49 1.49 1.49 1.49 1.49 1.49 1.49 1.89 0.00 1.49 1.49 1.89 17.15

TOTAL FARM CREDIT (1-

10)26854.30 24118.42 32637.59 30361.38 34011.57 27640.70 32553.34 42264.04 16963.17 32181.76 28703.06 36931.03 365220.36

B AGRICULTURE INFRASTRUCTURE11 Storage Facilities

No. Phy. 5 3 3 2 2 2 3 3 1 2 2 2 30B.L. 157.50 94.50 94.50 63.00 63.00 63.00 94.50 94.50 31.50 63.00 63.00 63.00 945.00

No. Phy. 12 7 7 7 12 12 12 12 7 12 10 10 120B.L. 162.00 94.50 94.50 94.50 162.00 162.00 162.00 162.00 94.50 162.00 135.00 135.00 1620.00

No. Phy. 12 7 7 7 10 12 12 11 5 10 10 12 115B.L. 162.00 94.50 94.50 94.50 135.00 162.00 162.00 148.50 67.50 135.00 135.00 162.00 1552.50

Storage Facilities- Total 481.50 283.50 283.50 252.00 360.00 387.00 418.50 405.00 193.50 360.00 333.00 360.00 4117.50

12 Land Development, Soil Conservation, watershed Development1.80 Phy. 115 125 80 100 90 110 100 80 80 70 85 85 1120

B.L. 186.30 202.50 129.60 162.00 145.80 178.20 162.00 129.60 129.60 113.40 137.70 137.70 1814.401.08 Phy. 65 65 85 100 110 75 70 120 40 100 70 100 1000

B.L. 63.18 63.18 82.62 97.20 106.92 72.90 68.04 116.64 38.88 97.20 68.04 97.20 972.001.34 Phy. 85 105 100 110 150 105 95 165 65 120 75 75 1250

B.L. 102.82 127.01 120.96 133.06 181.44 127.01 114.91 199.58 78.62 145.15 90.72 90.72 1512.000.60 Phy. 65 60 75 75 135 50 55 75 35 70 50 75 820

B.L. 35.10 32.40 40.50 40.50 72.90 27.00 29.70 40.50 18.90 37.80 27.00 40.50 442.800.30 Phy. 40 35 30 35 55 40 50 70 20 55 35 55 520

B.L. 10.80 9.45 8.10 9.45 14.85 10.80 13.50 18.90 5.40 14.85 9.45 14.85 140.400.53 Phy. 1110 1110 800 655 830 575 910 910 760 1110 1110 1420 11300

B.L. 528.47 528.47 380.88 311.85 395.16 273.76 433.25 433.25 361.84 528.47 528.47 676.06 5379.93926.67 963.01 762.66 754.05 917.07 689.67 821.40 938.48 633.24 936.87 861.38 1057.03 10261.53

13 OthersPhy. 15 15 15 20 20 15 15 15 15 20 15 20 200

B.L. 12.56 12.56 12.56 16.74 16.74 12.56 12.56 12.56 12.56 16.74 12.56 16.74 167.40

Phy. 5 5 5 5 5 5 5 8 2 5 5 5 60B.L. 13.50 13.50 13.50 13.50 13.50 13.50 13.50 21.60 5.40 13.50 13.50 13.50 162.00

BRACKISH WATER PRAWN

PRAWN hatchery

SOLAR FISH DRYING UNIT

RENOVATION OF

EXISTING ICE PLANTREFRIGERATED

TRUCK/CONTAINERS

SEA CAGE CULTURE UNIT

SETTING UP MINI QC LAB

RENOVATION OF PRE-

PROCESSING CENTRES

a

a WORK ANIMALS

r

s

b BULLOCK AND CART

a

b

Ha

Ha

LAND RECLAMATION

COLD STORAGE

Ha

Ha

b

c

Ha

c

VERMI COMPOSTING/

BIOFERTILISERS0.93

Ha

Ha

g

e

f

WATERSHED DEVT.

WATER MANAGEMENT

LAND DVPT - MISC.

d SEED PRODUCTION 3.00 Ha

Total Land Development, Soil Conservation, watershed

a

STORAGE/ MARKET YARD

35.00

15.00

15.00

BUND/SOIL

CONSERVATIONLAND LEVEL./SOIL

IMPROV.

0.45 PAIR

0.60 NO.

Ha

RURAL GODOWN


82

District:


laTVM-Urban

Vamanapura

mVarkala Vellanad


Sr.N

o.Activity

Unit Cost


Others- Total 26.055 26.055 26.055 30.240 30.240 26.055 26.055 34.155 17.955 30.240 26.055 30.240 329.400TOTAL- AGRICULTURE INFRASTRUCTURE (11-13) 1434.22 1272.56 1072.22 1036.29 1307.31 1102.72 1265.96 1377.63 844.70 1327.11 1220.44 1447.27 14708.43

C ANCILLARY ACTIVITIES

14 Food & Agro Processing

COPRA PROCESSING 2.75 No. Phy. 12 20 12 12 10 12 12 8 8 12 9 8 135B.L. 29.70 49.50 29.70 29.70 24.75 29.70 29.70 19.80 19.80 29.70 22.28 19.80 334.13

FISH PROCESSING 2.50 No. Phy. 35 30 25 0 0 25 30 10 10 0 25 0 190B.L. 78.75 67.50 56.25 0.00 0.00 56.25 67.50 22.50 22.50 0.00 56.25 0.00 427.50

FOOD PROC-BEVERAGES 6.60 No. Phy. 2 2 2 2 3 2 2 2 2 2 2 2 25B.L. 11.88 11.88 11.88 11.88 17.82 11.88 11.88 11.88 11.88 11.88 11.88 11.88 148.50

RICE/ FLOUR MILL 2.50 No. Phy. 2 2 2 2 2 3 5 3 3 2 2 2 30B.L. 4.50 4.50 4.50 4.50 4.50 6.75 11.25 6.75 6.75 4.50 4.50 4.50 67.50

BANANA/ TAPIOCA CHIPS 0.50 No. Phy. 18 15 20 15 20 15 20 20 20 20 20 12 215B.L. 8.10 6.75 9.00 6.75 9.00 6.75 9.00 9.00 9.00 9.00 9.00 5.40 96.75

SMALL BAKERY UNITS 1.00 No. Phy. 12 17 15 12 12 15 12 15 15 15 15 15 170B.L. 10.80 15.30 13.50 10.80 10.80 13.50 10.80 13.50 13.50 13.50 13.50 13.50 153.00

PAPAD/ CURRY POWDER 0.60 No. Phy. 18 12 12 12 12 12 12 15 20 20 20 15 180B.L. 9.72 6.48 6.48 6.48 6.48 6.48 6.48 8.10 10.80 10.80 10.80 8.10 97.20

AGRO PROCESSING 6.60 No. Phy. 3 1 1 1 3 2 2 3 1 1 1 1 20B.L. 17.82 5.94 5.94 5.94 17.82 11.88 11.88 17.82 5.94 5.94 5.94 5.94 118.80

MILK PRODUCTS 1.00 No. Phy. 10 5 5 5 5 7 8 7 3 5 5 5 70B.L. 9.00 4.50 4.50 4.50 4.50 6.30 7.20 6.30 2.70 4.50 4.50 4.50 63.00

COCONUT BASED INDUS. 7.70 No. Phy. 6 6 4 6 5 6 5 6 4 4 4 4 60B.L. 41.58 41.58 27.72 41.58 34.65 41.58 34.65 41.58 27.72 27.72 27.72 27.72 415.80

HONEY PROCESSING 1.00 No. Phy. 2 1 2 2 2 2 2 2 0 2 1 2 20B.L. 1.80 0.90 1.80 1.80 1.80 1.80 1.80 1.80 0.00 1.80 0.90 1.80 18.00

Food & Agro Processing -

TERM LOAN223.65 214.83 171.27 123.93 132.12 192.87 202.14 159.03 130.59 119.34 167.27 103.14 1940.18

Food & Agro Processing - WORKING CAPITAL 250.00 250.00 190.00 150.00 165.00 225.00 225.00 200.00 175.00 115.00 175.00 115.00 2235.00Food & Agro Processing- Total 473.65 464.83 361.27 273.93 297.12 417.87 427.14 359.03 305.59 234.34 342.27 218.14 4175.18

15 Other Ancillary activities

Phy. 0 1 0 0 0 0 0 1 0 1 0 0 3B.L. 0.00 160.00 0.00 0.00 0.00 0.00 0.00 160.00 0.00 160.00 0.00 0.00 480.00Phy. 1 0 0 0 0 1 0 0 0 0 0 0 2B.L. 80.00 0.00 0.00 0.00 0.00 80.00 0.00 0.00 0.00 0.00 0.00 0.00 160.00

Other Ancillary activities- Total 80.00 160.00 0.00 0.00 0.00 80.00 0.00 160.00 0.00 160.00 0.00 0.00 640.00TOTAL ANCILLARY ACTIVITIES (14+15) 553.65 624.83 361.27 273.93 297.12 497.87 427.14 519.03 305.59 394.34 342.27 218.14 4815.18TOTAL AGRICULTURE (1 to 15) 28842.18 26015.81 34071.08 31671.60 35616.01 29241.29 34246.44 44160.70 18113.45 33903.22 30265.76 38596.45 384743.97

II MICRO, SMALL AND MEDIUM ENTERPRISES(MSME)1 Manufacturing Sector- Term Loan

HANDICRAFT UNIT 0.75 No. Phy. 25 20 25 20 25 25 20 15 15 15 15 20 240B.L. 15.00 12.00 15.00 12.00 15.00 15.00 12.00 9.00 9.00 9.00 9.00 12.00 144.00

VILLAGE INDUSTRIES 0.60 No. Phy. 20 15 15 15 20 30 25 25 15 15 15 15 225B.L. 9.60 7.20 7.20 7.20 9.60 14.40 12.00 12.00 7.20 7.20 7.20 7.20 108.00

RURAL ARTISANS 1.50 No. Phy. 10 8 8 8 8 10 8 10 9 5 5 6 95B.L. 12.00 9.60 9.60 9.60 9.60 12.00 9.60 12.00 10.80 6.00 6.00 7.20 114.00

RUBBER/ PLASTICS 7.20 No. Phy. 10 10 10 12 20 35 20 18 25 15 20 20 215B.L. 57.60 57.60 57.60 69.12 115.20 201.60 115.20 103.68 144.00 86.40 115.20 115.20 1238.40

LEATHER PRODUCT 0.65 No. Phy. 3 3 3 3 5 5 2 2 4 2 1 2 35B.L. 1.56 1.56 1.56 1.56 2.60 2.60 1.04 1.04 2.08 1.04 0.52 1.04 18.20

CHEMICAL INDUSTRY 10.00 No. Phy. 1 1 1 1 1 0 1 1 0 1 1 1 10B.L. 8.00 8.00 8.00 8.00 8.00 0.00 8.00 8.00 0.00 8.00 8.00 8.00 80.00

g ELECTRONIC UNIT 12.20 No. Phy. 15 15 25 15 17 17 17 22 17 15 25 15 215B.L. 146.40 146.40 244.00 146.40 165.92 165.92 165.92 214.72 165.92 146.40 244.00 146.40 2098.40

h ELECTRICAL UNIT 7.50 No. Phy. 6 5 5 5 5 10 8 5 12 6 10 8 85B.L. 36.00 30.00 30.00 30.00 30.00 60.00 48.00 30.00 72.00 36.00 60.00 48.00 510.00

i TAILORING/ READYMADE 2.00 No. Phy. 25 25 20 25 25 25 25 25 30 20 20 20 285B.L. 40.00 40.00 32.00 40.00 40.00 40.00 40.00 40.00 48.00 32.00 32.00 32.00 456.00

b

a

k

h

f

g

d

e

aLoans to cooperative

societies incl. PACS200.00

c

No.

bLoans to Farmer producer

companies/societies100.00 No.

n

b

c

d

e

f

i

j

a


83

District:


laTVM-Urban

Vamanapura

mVarkala Vellanad


Sr.N

o.Activity

Unit Cost


j HANDLOOM 6.50 No. Phy. 100 50 20 20 20 120 100 40 50 10 10 10 550B.L. 520.00 260.00 104.00 104.00 104.00 624.00 520.00 208.00 260.00 52.00 52.00 52.00 2860.00

k CANE/ BAMBOO PRODN. 0.60 No. Phy. 5 5 4 5 10 5 5 6 4 4 6 11 70B.L. 2.40 2.40 1.92 2.40 4.80 2.40 2.40 2.88 1.92 1.92 2.88 5.28 33.60

l AGRO INDUSTRY 25.00 No. Phy. 6 6 12 11 11 11 14 12 11 12 12 12 130B.L. 120.00 120.00 240.00 220.00 220.00 220.00 280.00 240.00 220.00 240.00 240.00 240.00 2600.00

m FURNITURE/WOOD PRODUCTS3.00 No. Phy. 15 15 15 15 22 20 20 16 15 11 16 10 190B.L. 36.00 36.00 36.00 36.00 52.80 48.00 48.00 38.40 36.00 26.40 38.40 24.00 456.00

n COIR/ LOOM 0.65 No. Phy. 2 8 2 0 1 1 2 0 0 1 2 1 20B.L. 1.04 4.16 1.04 0.00 0.52 0.52 1.04 0.00 0.00 0.52 1.04 0.52 10.40

o COIR DEFIBRING 1.20 No. Phy. 11 14 8 3 0 4 3 2 2 0 2 1 50B.L. 10.56 13.44 7.68 2.88 0.00 3.84 2.88 1.92 1.92 0.00 1.92 0.96 48.00

p CONSTN./ BUILDING MAT. 5.00 No. Phy. 35 25 25 30 25 30 30 25 30 25 25 25 330B.L. 140.00 100.00 100.00 120.00 100.00 120.00 120.00 100.00 120.00 100.00 100.00 100.00 1320.00

q POTTERY 0.40 No. Phy. 2 1 1 1 2 1 1 5 4 1 1 5 25B.L. 0.64 0.32 0.32 0.32 0.64 0.32 0.32 1.60 1.28 0.32 0.32 1.60 8.00

r PHARMACEUTICALS 12.30 No. Phy. 1 1 1 1 1 1 1 1 5 1 5 1 20B.L. 9.84 9.84 9.84 9.84 9.84 9.84 9.84 9.84 49.20 9.84 49.20 9.84 196.80

Manufacturing Sector- Term Loan - Total 1166.64 858.52 905.76 819.32 888.52 1540.44 1396.24 1033.08 1149.32 763.04 967.68 811.24 12299.80

2 Manufacturing Sector- Working CapitalCOIR B.L. 148.09 171.81 126.79 24.34 0.00 0.00 44.86 28.93 52.73 34.34 29.64 37.82 699.36

HANDLOOMS B.L. 406.41 537.87 650.77 1007.39 583.51 1281.89 765.00 582.53 537.01 648.77 825.90 988.32 8815.37

POWER LOOM B.L. 40.83 40.83 36.63 32.92 25.30 97.84 89.69 29.48 33.71 31.18 33.71 44.80 536.92

SMALL IND. B.L. 1824.83 1890.14 2673.05 1628.05 1991.82 1057.94 1691.48 1386.71 1871.24 1579.28 1742.03 1890.18 21226.75

OTHERS B.L. 592.52 370.66 677.32 504.68 652.88 522.60 547.02 498.87 886.25 595.17 667.26 564.53 7079.76

Total- Manufacturing Sector- Working Capital B.L. 3012.68 3011.31 4164.56 3197.39 3253.51 2960.26 3138.05 2526.51 3380.93 2888.74 3298.55 3525.65 38358.14

3 Service Sector- Term LoanGEN ENGG/MACHINERY PARTS12.50 No. Phy. 3 4 4 5 6 10 10 4 12 5 6 6 75

B.L. 30.00 40.00 40.00 50.00 60.00 100.00 100.00 40.00 120.00 50.00 60.00 60.00 750.00INFORMATION TECH UNITS 50.00 No. Phy. 7 7 7 12 18 22 17 7 50 8 12 8 175

B.L. 280.00 280.00 280.00 480.00 720.00 880.00 680.00 280.00 2000.00 320.00 480.00 320.00 7000.00REPAIR/ SERVICE UNIT 3.50 No. Phy. 20 20 17 17 20 17 20 15 20 12 10 12 200

B.L. 56.00 56.00 47.60 47.60 56.00 47.60 56.00 42.00 56.00 33.60 28.00 33.60 560.00PRINTING AND BINDING 9.00 No. Phy. 1 1 1 1 1 1 1 1 3 1 1 2 15

B.L. 7.20 7.20 7.20 7.20 7.20 7.20 7.20 7.20 21.60 7.20 7.20 14.40 108.00e DTP OFFSET PRINTING 25.00 No. Phy. 5 5 5 5 5 5 5 3 5 3 2 2 50

B.L. 100.00 100.00 100.00 100.00 100.00 100.00 100.00 60.00 100.00 60.00 40.00 40.00 1000.00f KISAN SERVICE KENDRA 10.00 No. Phy. 1 1 2 1 2 1 1 2 0 1 1 2 15

B.L. 8.00 8.00 16.00 8.00 16.00 8.00 8.00 16.00 0.00 8.00 8.00 16.00 120.00SRWTO B.L. 526.85 658.67 790.58 600.99 878.68 579.36 621.77 570.86 1063.96 624.41 887.59 624.23 8427.94

TRADE/SMALL BUSINESS B.L. 6650.25 8678.96 8694.30 8694.30 7927.76 8566.60 7927.76 7800.13 8067.22 7161.35 8311.73 8566.60 97046.95

i PROFESS.&SELF-EM/OTHERS B.L. 1213.11 1245.66 1583.12 1214.59 1347.78 1245.72 1370.03 1097.73 8640.30 1118.40 1685.18 930.38 22692.00

Total- Service Sector Term Loan 8864.21 11067.29 11551.60 11195.48 11106.22 11527.28 10863.55 9906.72 20047.48 9375.75 11500.50 10590.80 137704.89

4 Service Sector- Working Capital 1329.63 1660.09 1732.74 1679.32 1665.93 1729.09 1629.53 1486.01 3007.12 1406.36 1725.07 1588.62 20639.53

TOTAL MSME 14373.16 16597.21 18354.67 16891.50 16914.19 17757.07 17027.37 14952.33 27584.85 14433.89 17491.80 16516.32 209002.37

III EXPORT CREDITB.L. 20.00 20.00 10.00 0.00 0.00 15.00 15.00 25.00 50.00 0.00 30.00 0.00 185.00

B.L. 50.00 50.00 20.00 0.00 0.00 30.00 30.00 50.00 100.00 0.00 50.00 0.00 380.00

Total- Export Credit 70.00 70.00 30.00 0.00 0.00 45.00 45.00 75.00 150.00 0.00 80.00 0.00 565.00

d

a

b

c

b Post-shipment credit

g

h

a Preshipment credit

d

a

b

c

e


84

District:


laTVM-Urban

Vamanapura

mVarkala Vellanad


Sr.N

o.Activity

Unit Cost


IV EDUCATIONEDUCATION B.L. 2729.37 2337.09 2661.75 3017.71 2400.53 3020.68 2464.20 2558.83 2272.86 2551.74 2506.57 2218.50 30739.84

Total- Education 2729.37 2337.09 2661.75 3017.71 2400.53 3020.68 2464.20 2558.83 2272.86 2551.74 2506.57 2218.50 30739.84

V HOUSINGHOUSING B.L. 16450.25 19891.83 19911.57 16698.68 16455.92 13872.50 15828.65 16929.05 17721.80 18391.62 20847.65 19011.09 212010.57

Total - Housing 16450.25 19891.83 19911.57 16698.68 16455.92 13872.50 15828.65 16929.05 17721.80 18391.62 20847.65 19011.09 212010.57

VI RENEWABLE ENERGYBIOGAS 0.19 No. Phy. 45 65 55 50 55 45 55 50 35 45 45 55 600

B.L. 6.98 10.09 8.54 7.76 8.54 6.98 8.54 7.76 5.43 6.98 6.98 8.54 93.12Solar Water Heater 0.50 No. Phy. 20 20 20 20 20 20 20 20 40 20 20 20 260

B.L. 8.00 8.00 8.00 8.00 8.00 8.00 8.00 8.00 16.00 8.00 8.00 8.00 104.00SPV HLS 0.50 No. Phy. 80 70 70 80 80 80 70 70 200 70 65 65 1000

B.L. 32.00 28.00 28.00 32.00 32.00 32.00 28.00 28.00 80.00 28.00 26.00 26.00 400.00

Total- Renewable Energy 46.98 46.09 44.54 47.76 48.54 46.98 44.54 43.76 101.43 42.98 40.98 42.54 597.12

VII OTHERS (Loans to SHGs/ JLGs, Loans to distressed persons to prepay non-institutional lenders, PMJDY, Loans to State Sponsored organizations for SC/ST)

a LOANS TO SHG/JLGS B.L.606.55 622.83 791.56 607.30 673.89 622.86 685.01 548.87 4320.15 559.20 842.59 465.19

11346.00

b Loans to PMJDY B.L.363.93 373.70 474.94 364.38 404.33 373.72 411.01 329.32 2592.09 335.52 505.56 279.11

6807.60

c Loans to SC/ST SHGs B.L.242.62 249.13 316.62 242.92 269.56 249.14 274.01 219.55 1728.06 223.68 337.04 186.08

4538.40

d CONSUMPTION/MISC. B.L. 12323.07 13218.73 12231.30 12400.80 12249.53 12447.24 11978.61 13826.91 17280.78 14143.95 11766.37 12358.12 156225.43

Others Total 13536.18 14464.39 13814.43 13615.39 13597.31 13692.96 13348.64 14924.65 25921.08 15262.35 13451.56 13288.49 178917.43

VIII SOCIAL INFRASTRUCTURE

Phy. 5 5 5 3 5 5 4 5 5 0 5 3 50

B.L. 40.00 40.00 40.00 24.00 40.00 40.00 32.00 40.00 40.00 0.00 40.00 24.00 400.00

Phy. 6 6 6 8 6 5 8 5 8 6 8 8 80

B.L. 12.00 12.00 12.00 16.00 12.00 10.00 16.00 10.00 16.00 12.00 16.00 16.00 160.00

Social Infrastructure -

Total52.00 52.00 52.00 40.00 52.00 50.00 48.00 50.00 56.00 12.00 56.00 40.00 560.00

TOTAL PRIORITY SECTOR (I to VII) 76100.12 79474.42 88940.03 81982.64 85084.48 77726.48 83052.83 93694.30 91921.48 84597.81 84740.32 89713.38 1017136.30

c

a

b

aBANK LOAN FOR

SCHOOLS/COLLEGES10.00 50

a

a

b

BANK LOAN FOR RURAL

DRINKING

WATER/SANITATION

FACILITIES

2.50 80


85

State :: Kerala

( `lakh)

2015-16Target Achievement Target Achievement Target Achievement DCP Target

1 Crop Loans

a Commercial Banks 145291.99 237130.33 139595.64 272805.94 214101.96 421864.09 213877.57b Dist. Coop./State Coop. Banks 73577.69 50422.81 65007.09 36656.52 79822.24 48066.33 89092.72c State Agri. Rural Dev. Bank 859 656.7 921.77 1362.40 819.42 622.75 2.25d Regional Rural Bank 3831 919.35 3805.00 5767.12 7388.30 21987.67 9629.09e Others 0 0 0.00 0.00 0.00 0.00 560.75

Total 223559.68 289129.19 209329.50 316591.98 302131.92 492540.84 313162.38

2 Term Loans( MT+LT)

a Commercial Banks 44916.23 37205.01 85854.93 61037.85 75662.76 63680.00 77990.15b Dist. Coop./State Coop. Banks 8427.29 9917.78 17117.95 8051.68 8643.31 5418.51 9124.21c State Agri. Rural Dev. Bank 1688.55 472.97 3389.38 801.99 4062.60 297.35 266.79d Regional Rural Bank 577.1 1212.81 2064.00 2596.14 3693.33 4665.44 4246.69e Others 0 0 0.00 0.00 0.00 0.00 2616.74

Total 48808.57 108426.26 72487.66 92062.00 74061.30 94244.58 94244.58

3 Total Agricultural(1+2)

a Commercial Banks 190208.22 274335.34 225450.57 333843.79 289764.72 485544.09 291867.72b Dist. Coop./State Coop. Banks 82004.98 60340.59 82125.04 44708.20 88465.55 53484.84 98216.93c State Agri. Rural Dev. Bank 2547.55 1129.67 4311.15 2164.39 4882.02 920.10 269.04d Regional Rural Bank 4408.1 2132.16 5869.00 8363.26 11081.63 26653.11 13875.78e Others 0.00 0.00 0.00 0.00 0.00 0.00 3177.49

Total 279168.85 337937.76 317755.76 389079.64 394193.92 566602.14 407406.96

4 Non Farm Sector (NFS)

a Commercial Banks 32182.88 28562.77 34719.22 56355.71 123806.00 78449.14 120063.90b Dist. Coop./State Coop. Banks 10164.9 10693.24 7774.58 6474.55 18476.87 6595.65 18756.77c State Agri. Rural Dev. Bank 1628 314.31 915.25 894.50 3506.84 84.35 592.18d Regional Rural Bank 1001 239.1 1207.50 350.03 3473.67 3484.37 4998.37e Others- KFC 6000 6648.16 0.00 4169.90 6720.00 10673.73 2731.80

Total 50976.78 46457.58 44616.55 68244.69 155983.38 99287.24 147143.025 Other Priority Sector (OPS)

a Commercial Banks 232710.26 393108.44 263887.42 231825.45 239936.65 190769.85 255804.34b Dist. Coop./State Coop. Banks 75364.7 81052.09 71127.71 38532.25 76147.69 34037.33 88346.89c State Agri. Rural Dev. Bank 4574 4808.83 6601.00 7817.20 10577.46 1535.27 1951.80d Regional Rural Bank 2415 1911.19 3529.60 3702.85 3121.35 4734.25 4352.67e Others- KFC 0 0 0.00 0.00 0.00 0.00 8850.50

Total 315063.96 480880.55 345145.73 281877.75 329783.15 231076.70 359306.20GRAND TOTAL( 3+4+5) 645209.59 865275.89 707518.04 739202.08 879960.45 896966.08 913856.18

Annexure II - Overview of flow of Ground Level Credit - Agency wise / Sector wise

2012-13 2013-14Agency/ Type of LoanSr. No.

2014-15

District :: Thiruvananthapuram


86

State :: Kerala

(Rs.lakh)

CBs PCARDBs Coops. RRBs Total CBs PCARDBs Coops. RRBs Total CBs PCARDBs Coops. RRBs Total CBs PCARDBs Coops. RRBs Others Total

I. Crop loan 237130.33 51079.51 919.35 289129.19 272805.50 38018.92 5767.12 316591.54 421864.09 622.75 48066.33 21987.67 492540.84 213877.57 2.25 89092.72 9629.09 560.75 313162.38

II Term Loan 0

a MI 690.44 499.02 0.5 1189.96 5392.77 413.75 0.00 5806.52 2897.19 56.89 296.84 50.63 3301.55 5362.58 5.84 2554.32 264.94 35.80 8223.48

b LD 10509.46 163.42 0 10672.88 24748.11 1587.60 577.80 26913.51 25380.68 29.88 2084.14 1312.22 28806.92 8531.40 161.66 29.80 1270.16 837.03 10830.05

c FM 2535.54 0 0 2535.54 9006.69 0.00 0.00 9006.69 3743.08 4.70 3747.78 1123.51 0.50 48.00 126.20 9.50 1307.71

d P&H 15838.4 6452.75 64 22355.15 12372.73 4245.72 58.57 16677.02 19169.10 59.05 2062.63 11.33 21302.11 35197.31 0.60 4433.06 1035.31 352.60 41018.88

e DD 1649.71 474.75 109.85 2234.31 3587.65 167.38 1198.55 4953.58 4705.51 38.57 441.39 2168.26 7353.73 11933.16 30.51 1713.50 709.26 500.69 14887.12

f Poultry 2836.48 2046.73 973.62 5856.83 1004.08 76.51 418.41 1499.00 719.36 20.95 454.49 1194.80 3237.32 51.73 205.98 247.98 395.87 4138.88

g S/G/P 396.24 313.95 16.34 726.53 524.60 42.75 197.51 764.86 975.71 19.27 532.11 523.08 2050.17 1967.25 12.45 37.10 245.80 349.75 2612.35

h Fisheries 351.56 234.37 31.01 616.94 3296.66 28.19 2.27 3327.12 4808.80 1.40 92.75 4902.95 3698.69 2.00 5.80 79.00 135.00 3920.49

i F/WLD 2397.18 205.76 0 2602.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 84.26 0.00 0.00 0.00 84.26

j SMY 0.00 0.00 0.00 16.85 16.85 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 287.18 0.00 0.00 67.80 0.00 354.98

k BG 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

l Sericulture 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

m Others 0.00 0.64 0.64 1104.56 402.02 143.03 1649.61 1280.57 68.04 0.00 52.68 1401.29 6567.49 1.50 96.65 200.24 0.50 6866.38

Sub-total-II 37205.01 0.00 10390.75 1212.81 48808.57 61037.85 0.00 6963.92 2596.14 70597.91 63680.00 297.35 5418.51 4665.44 74061.30 77990.15 266.79 9124.21 4246.69 2616.74 94244.58

0

Grand Total

(I+II)274335.34 0.00 61470.26 2132.16 337937.76 333843.35 0.00 44982.84 8363.26 387189.45 485544.09 920.10 53484.84 26653.11 566602.14 291867.72 269.04 98216.93 13875.78 3177.49 407406.96

2015-16 (Target)

Agency wise / Sub sector wise details of Ground Level Credit Flow under Agriculture and Allied Activities

ANNEXURE III

2013-14 # 2014-152012-13 #Sr.

No

Agencies/

Sectors

District :: Thiruvananthapuram


87

State: Kerala

Sector & Activity Unit Size Unit Cost (`) Sector & Activity Unit Size Unit Cost (`)

Water Resources PEPPER INTERCROP Ha. 59400

DUGWELL (Dia = 1.5m Depth = 5m, RCC rings ) No. 44000 POLYHOUSE (Naturally ventellated ) 10 cents 538000

PUMPSET 3 HP No. 23000 RAIN SHELTER HOUSE 100 SQ. MT 64324

DRIP SYSTEM -Banana Ha. 74500 RAMBUTTAN 40- 0.04 Ha 284200

DRIP SYSTEM -Coconut Ha. 23300 Forestry & Wasteland Sector

DRIP SYSTEM -Arecanut Ha. 48000 BAMBOO Ha 77500

SPRINKLER Ha. 40000 SOCIAL FORESTRY Ha 110000

PUMPHOUSE (2m x 2m x 2m) No. 12000 FARM FORESTRY Ha 72000

STORAGE TANK (3mx3mx1.5m) No. 25000 TEAK PLANTATION Ha 173600

PIPELINE (63mm-6kg/cm2

length: 100m)1Ha. 15600 MAHAGONY HA. 137700

SPRINKLER Ha. 40000 MATTI (AILANTHUS) Ha. 134500

DEEPENING OF WELL No. 15800 Animal Husbandry - Dairy Development

BORE WELL(: 6/6.5 inches

Depth: 80m)No. 64500 C.B. COW 1 cow unit with Shed 95000

RAIN WATER HARVESTING No. 35640 C.B.COW 2 cow unitwith Shed 190000

Land Development C.B.COW 5 cow unit with Shed 503000

LAND RECLAMATION (waterlogged soils by drainage)Ha. 97000 CB COW 10 cow unit with Shed 1046000

BUND/SOIL CONSERVATION Ha. 61160 GR. BUFFALO 2 Murrah 221000

LAND LEVEL./SOIL IMPROV. Ha. 147840 CALF REARING 1 Calf 54000

VERMI COMPOST/BIOFERTT. No. 102300 BUFFALO MALE CALF REARING I Calf 51000

WATERSHED DEVT. Ha. 60720 CATTLE SHED 65 Sq.ft/Animal, Rs.500/Sqft 32500

WASTE LAND DEV Ha. 24420 FODDER CULTIVATION Ha. 43000

WATER MANAGEMENT Ha. 104280 MILK PROD/ MFG No. 150000

ONFARM DEVELOPMENT Ha 110000 MILKING MACHINE No. 55000

Farm Mechanisation Poultry

TRACTOR- 40 HP No. 550000 BROILER Unit of 250 102700

POWER TILLER- 9 HP No. 141500 BROILER 500 birds 205400

SPRAYERS /DUSTERS No. 20000 DUCK REARING 500 F + 75 M 176100

OTHER FARM EQUIPMENTS No. 80000 BACKYARD POULTRY 15 birds 5200

POWER TRANSPLANTER No. 250000 Micro Cage Broiler- Only for JLGs & SHGs 100 Birds 53100

THRESHERS No. 100000 POULTRY PROCESSING 200b/shift 762300

Plantation & Horticulture LAYERS 1000 birds 411000

CASHEW Ha. 94300 S-G-P-R

PINEAPPLE Ha. 260000 GOAT REARING 3 Does 30700

MANGO Ha. 120000 GOAT REARING 5 D + 1 B 65100

COCONUT-NEW PLANTING/REPL Ha. 126700 GOAT STALL FED / COMMERCIAL 100D + 7 B 1172400

COCONUT REJUVENATION Ha. 42400 GOAT REARING 19D+1B 312100

SERICULTURE Ha. 175000 GOAT BREEDING 500D+25B 2750000

RUBBER-NEW PLANT Ha. 312500 MALE CALF REARING FOR MEAT 10 95700

RUBBER-REPLANTING Ha 312500 PIG FATTENER 10 piglets 104800

RUBBER-NURSERY 0.4 ha 170060 PIG BREEDER CUM FATTENER 9 + 1 237100

RUBBER DRIER RRSD 240 49170 Inland Fisheries

RUBBER- SMOKE HOUSE 200 Kg 38060 FRESH WATER FISH FARMING Ha. 97900

RUBBER-ROLLER 4.5"x 24" 29040 FRESH WATER PRAWN FARMING Ha. 563500

PEPPER-NEW PLANT Ha. 143800 ORNAMENTAL FISH - Backyard unit No. 100000

PEPPER REJUVENATION Ha. 48180 BRACKISH WATER PRAWN FARMING Ha 513200

NUTMEG/ CLOVE/SPICES Ha. 67500 PRAWN HATCHERY 5M 990000

BETELVINE 5 cents 15000 Marine Fisheries

ORCHID 1000 plants 130000 COUNTRY BOAT No. 24000

RUBBER ROLLER SHED 8' x 8' x 9' 4070 OUT BOARD MOTOR No. (9.9 HP) 125000

JASMINE 5 cents 10000 FISHING GEAR No. 30000

MUSHROOM 100 kg/batch 15000 MUSSEL CULTURE 24 sq.m 10300

NURSERY - MISC 0.4 Ha. 80080 MARINE PLYWOOD CANOE No. 450000

MEDICINAL PLANTS Ha. 38280 MUD CRAB FATTENING 0.5 ha 218000

ARECANUT Ha. 184300 Non Conventional Energy Sources

APICULTURE 25 boxes 62500 BIOGAS KVIC 2.5cu.m. 15180

COCONUT MIXED CROP Ha. 103180 SOLAR PHOTO VOLTAIC LIGHTING 50 wP 16500

COCONUT MIXED CROP Ha. 103180 SOLAR WATER HEATERS 100 ltrs/day 24200

SOLAR PUMPING SYSTEM 900wp 171000

Annexure IV – Indicative Unit cost for select activities

District : Thiruvanathapuram


88

Amt. in `

Sl.

No.Name of crop Unit Minimum Maximum

1 Paddy local -Virippu 1 ha 55500 61500

2 Paddy loacal- Mundakan 1 ha 55500 61500

3 Paddy (HYV) -Virippu 1 ha 64500 70500

4 Paddy (HYV) -Mundakan 2 ha 66000 73500

5 Banana-Nenthran ha 468000 496080

Banana- Red ha 507000 546000

6 Banana-" Others ha 206310 242185

7 Cocunut - Rainfed ha 114375 135000

8 " Irrigated ha 121800 140400

9 Tapioca ha 118580 137500

10 Ginger ha 142300 158000

11 Pepper ha 150920 188760

12 Turmeric ha 144400 144400

13 Pine-apple ha 131500 149500

14 Rubber ha 105000 135000

15 Arecanut ha 75600 82500

16 Vegetable ha 217030 251680

17 Vegetable- pandhal ha 251680 290950

18 Cocoa ha 12350 12350

19 Coffee ha 17800 17800

20 Cardamom ha 17800 17800

21 Cashew ha 27500 34350

22 Tea ha 79700 79700

23 Fodder ha 82500 90720

24 Gingelly ha 13750 13750

25 Nutmeg ha 55000 57750

26 Flowering Plants 1000 no. 207350 228800

27 Vanila ha 35750 35750

28 Chillies ha 13750 13750

29 Kacholam ha 75600 75600

30 Sweet Potato ha 41250 55000

31 Fish farming ha 173910 205480

32 Shrimp farming ha 254350 254350

33 Medicinal Plants ha 96250 110000

34 Ramacham ha 79750 79750

SCALE OF FINANCE OF CROPS FIXED BY DLTC 2015-16

Thiruvanantapuram

Annexure V


89

Annexure VI

Block wise details of potential available for promotion and savings linkage of SHGs

District: Thiruvananthapuram

Sl. No

Name of the block

Total potential

for promotion

of SHGs

No. of SHGs savings linked

on 31 March 2015

Balance potential as on 31 March

2015

No. of SHGs to be

promoted and savings

linked during 2015-16

No. of SHGs to be

promoted and savings

linked during 2016-17

1 Athiyanoor 1620 1525 95 45 40 2 Chirayinkeezhu 1686 1588 98 48 50 3 Kilimanoor 2021 1800 221 125 96 4 Nedumangad 1678 1525 153 100 53 5 Nemom 2365 2200 165 100 65 6 Parassala 2103 1925 178 110 68 7 Perumkadavila 2630 2560 70 45 30 8 Pothencode 1968 1900 68 38 30 9 TVM urban 6029 5565 464 300 164 10 Vamanapuram 2501 2458 43 23 20 11 Varkala 2677 2612 65 35 30 12 Vellanad 1386 1325 61 31 30

Total 28664 26983 1681 1000 676

Annexure VIA Block wise potential for credit linkage of SHGs

District: Thiruvananthapuram

Sl. No

Name of the block

No. of SHGs

(credit linked) as on

31 Mar. 2015

SHGs to be credit linked during 2015-16

SHGs to be credit linked during 2016-17

Fresh Repeat Fresh Repeat

No. Amount (` lakh)

No. Amount (` lakh)

No. Amount (` lakh)

No. Amount (` lakh)

1 Athiyanoor 1306 188 376.00 130 260.00 126 252.00 130 195.00

2 Chirayinkeezhu 1148 323 646.00 250 500.00 215 430.00 250 375.00

3 Kilimanoor 1341 408 816.00 355 710.00 272 544.00 355 532.50

4 Nedumangad 1157 313 626.00 275 550.00 208 416.00 275 412.50

5 Nemom 1965 240 480.00 180 360.00 160 320.00 180 270.00

6 Parassala 1471 379 758.00 180 360.00 253 506.00 180 270.00

7 Perumkadavila 1762 521 1042.00 320 640.00 347 694.00 320 480.00

8 Pothencode 1374 356 712.00 270 540.00 238 476.00 270 405.00

9 TVM urban 3402 156 3152.00 600 1200.00 1051 2102.00 600 900.00

10 Vamanapuram 1744 454 908.00 280 560.00 303 606.00 280 420.00

11 Varkala 1769 1965 1120.00 425 850.00 363 726.00 425 637.50

12 Vellanad 792 356 712.00 225 450.00 238 476.00 225 337.50

Total 19231 5659 11348.00 3490 6980.0

0 3774 7548.00 3490 5235.00


90

ABBREVIATIONS

ABS Area Based Schemes FC Farmer’s Club

ABCs Agri Business Centres FIF Financial Inclusion Fund

ACABC Agri-Clinics and Agri Business Centre FIPF Farm Innovation Promotion Fund

ACP Annual Credit Plan FITF Financial Inclusion Technology Fund

ADP Area Development project FLC Financial Literacy Centre

AI Artificial Insemination FLCC Financial Literacy Counselling Centre

AMIGS Agricultural Marketing Infrastructure, Grading and Standardisation

FMD Foot and Mouth Disease

APMC Act Agricultural Produce Market Committee Act

FTTF Farm Technology Transfer Fund

APCOS Anand Pattern Cooperative Societies GBY Grameen Bhandaran Yojana

ATMA Agricultural Technology Management Agency

GCA Gross Cropped Area

BC Business Correspondent GCC General Credit Card

BIRD Bankers Institute of Rural Development GCF Gross Capital Formation

BLBC Block Level Banker’s Committee GDP Gross Domestic Product

BPL Below Poverty Line GIA Gross Irrigated Area

BRGF Backward Region Grant Fund GLC Ground Level Credit

CAT Capacity Building for Adoption of Technology

GoI Government of India

CBs Commercial Banks IARI Indian Agricultural Research Institute

CBS Core Banking Solution ISAM Integrated Scheme for Agri Marketing

CCB Central Co-operative Bank IWDP Integrated Wasteland Development Project

CDB Coconut Development Board JLG Joint Liability Group

CDR Credit Deposit Ratio JLTC Junior Level Training Centre

CGTMSE Credit Guarantee Fund Trust for Micro and Small Enterprises

JNNSM Jawaharlal Nehru National Solar Mission

CPCRI Central Plantation Crops Research Institute

KAU Kerala Agricultural University

CRAR Capital to Risk weighted Asset Ratio KAMCO Kerala Agro Machinery Corporation Ltd.

CTCRI Central Tuber Crops Research Institute KCC Kisan Credit Card

CWC Central Warehousing Corporation KCMMF The Kerala Cooperative Milk Marketing Federation

DCC District Consultative Committee KLDC Kerala Land Development Corporation

DCP District Credit Plan KSLUB Kerala State Land Use Board

DDM District Development Manager KSPDC Kerala State Poultry Development Cooperation

DEDS Dairy Entrepreneurship Development Programme

KVASU Kerala Veterinary and Animal Science University

DFRL Defence Food Research Laboratory KVIC Khadhi and Village Industry Commission

DLRC District Level Review Committee KYC Know Your Customer

DLTC District Level Technical Committee LBR Lead Bank Returns

DPC District Planning Committee LSGI Local Self Government Institution

DTPC District Tourism Promotion Council LWE Left Wing Extremism


91

MATSYAFED Kerala State Cooperative Federation for Fisheries Development Ltd.

PoS Point of Sale

MEDP Micro-Enterprise Development Programme

PODF Producer Organisation Development Fund

MIDH Mission for Integrated Development of Horticulture

PPP Public Private Partnership

MILMA Kerala Cooperative Milk Marketing Federation Ltd.

PRODUCE Producer’s Development & Upliftment Corpus

MPEDA Marine Produce Export Development Authority

RAIDCO The Regional Agro Industrial Development Cooperatives of Kerala Ltd.

MFDEF Micro finance Development and Equity Fund

RATTC Regional Agricultural Technology Training Centre

MGNREGA Mahatma Gandhi National Rural Employment Guarantee Programme

RBI Reserve Bank of India

MIS Management Information System RIDF Rural Infrastructure Development Fund

MSME Micro Small and Medium Enterprises RIF Rural Innovation Fund

NABARD National Bank for Agriculture & Rural Development Bank

RIPF Rural Infrastructure Promotion Fund

NABFINS NABARD Financial Services Ltd RKVY Rashtriya Krishi Vikas Yojana

NBMMP National Biogas & Manure Management Programme

RLP Realistic Lending Programme

NEFT National Electronic Fund Transfer RRB Regional Rural Banks

NFDB National Fisheries Development Board

RSETI Rural Self Employment Training Institute

NFS Non-Farm Sector RTI Right to Information

NFSM National Food Security Mission RUDSETI Rural Development & Self Employment Training Institute

NHB National Horticulture Board SCC Swarojgar Credit Card

NIDA NABARD Infrastructure Development Assistance

SAMIS Service Area Management Information System

NIE National Implementing Entity SFAC Small Farmers’ Agri-Business Consortium

NMPS National Mission for Protein Supplements

SGSY Swarnajayanti Gram Swarozgar Yojana

NMAET National Mission on Agricultural Extension and Technology

SHG-BLP Self Help Group Bank Linkage Programme

NRLM National Rural Livelihood Mission SLBC State level Banker’s Committee

NRM Natural Resource Management SRI System of Rice Intensification

NIFM National Institute of Financial Management

SWC State Warehousing Corporation

NPA Non-Performing Assets TDF Tribal Development Fund

NSSO National Sample Survey Organisation UPNRM Umbrella Programme on Natural Resource Management

NWR Negotiable Warehouse Receipt WDF Watershed Development Fund

OPS Other Priority Sector WDRA Warehousing Development and Regulatory Authority

PACS Primary Agricultural Cooperative Societies

WGDP Western Ghat Development Programme

PCARDB Primary Cooperative Agricultural & Rural Development Bank

WSHG Women Self Help Group


92

Support to Producer Organization

Eligible Organizations:

Producer Organizations (POs) registered / incorporated under any statute of law viz. Companies Act, Societies Registration Act, Indian Trusts Act etc,.

Agencies like NGOs, VAs, Trusts and Financial Institutions participating in supply/value chain process, for onlending to PO, farmers/artisan groups or clusters such as JLGs, SHGs, federation of FC etc.

Other institutions whose activities are in conformity with the overall objectives of Producers Organizations.

Assistance from NABARD:

1. Credit support

I. Directly to POs as term loan, working capital term loan, composite loan. II. Assistance to Implementing Agency for on lending to PO. III. Collateral free support to Producer Organizations for strengthening the capital base.

2. Credit plus support as grant for Capacity Building, Market Linkages etc,.

Repayment Margin Interest Rate Security

Maximum 10 years including grace period of two years

Minimum 10% of the project outlay

Between 10 to 12%. Actual rate would be based on associated risk and collaterals provided

Primary security: Hypothecation of all assets created/purchased out of NB assistance. Collateral security: Morgage of commercial land/buildings/Pledge of Fixed deposit Receipts/ third party guarantee/ personal guarantee/ any other security prescribed by NB

Technical Assistance Assistance for preparation of project report would also be provided by NABARD.

Support under PACS as Multi Service Centre (PACS as MSC)

Specially for Primary Agricultural credit Societies

Loan assistance with need based grant support

For setting up of agro service/processing centres, agri transportation and marketing facilities, consumer stores, onlending etc.

Assistance from NABARD

Scheme Interest Rate Security Directly to PACS 9.5 %

Primary security: Hypothecation of all assets created/purchased out of NB assistance. Collateral security: Morgage of commercial land/buildings/Pledge of Fixed deposit Receipts/ any other security prescribed by NB

Through SCB/DCB 1% additional to NABARD’s rate

(Max.) Repayment will be maximum 7 years with 2 years grace period. (For more details, visit www.nabard.org) (Also visit : https://www.youtube.com/user/nabardonline)

http://www.nabard.org/

NABARD Consultancy Services (Nabcons)

(Wholly owned subsidiary of NABARD)

EXPERT CONSULTANCY SERVICES AVAILABLE FOR

TESTED EXPERTISE IN

Techno-economic feasibility studies

and potential surveys Detailed project formulation Techno-economic appraisal of

projects for bank financing, Debt restructuring

Micro-developmental planning, Investment surveys

Conceptualization, design and implementation of developmental programmes / projects in various fields including micro finance

Monitoring and Evaluation of the developmental projects and investments

International Visitors' Programme/ International Exposure Visits

Capacity building and human resource development

Conduct Sectoral studies and identification of potentials and perspective plans.

Legislative drafting, model laws, documentation of agreements / contracts in development banking and service matters etc.

Minor irrigation/ Land development/agronomy Soil

conservation/ watershed development/ water management

Organic farming Agribusiness/ agri clinics Forestry and waste land development Plantation and horticulture Bio-fuel plant cultivation Farm mechanization, engineering in

agriculture Non-conventional sources of energy Bio-technology and hi-tech projects Poultry, dairy, animal husbandry,

fisheries(inland and marine) and aqua culture

Post-harvest technology for agricultural produce, storage, food processing, cold chain development, market yards

Rural industrialization and development of non-farm sector

Micro finance, poverty reduction programmes, tribal development, women empowerment and other developmental projects and investments

Capacity building through workshops, seminars and training programmes on developmental issues

NABARD Head Office

Plot No.C-24, G Block,

Bandra Kurla Complex, P B No.8121, Bandra (E)

Mumbai-4000 051

NABCONS

Corporate Office

24, Rajendra Palace

New Delhi-110 008

ÀãÓ›Èãè¾ã ‡ãðŠãäÓã ‚ããõÀ ØãÆã½ããè¥ã ãäÌã‡ãŠãÔã ºãö‡ãŠ

National Bank for Agriculture and Rural Development

‡ãñŠÀÊã àãñ¨ããè¾ã ‡ãŠã¾ããÃÊã¾ã, ¹ãì¸ãñ¶ã Àãñ¡,Ô›ñÞ¾ãî, ¹ããñÔ› ºããù‡ã‹Ôã: 220, ãä¦ãÁÌã¶ãâ¦ã¹ãìÀ½ãá - 695 001

Kerala Regional Office, Punnen Road, Statue, Post Box:220, Thiruvananthapuram-695 001 Tel: +91 0471 2701600/1700 • Fax: +91 0471 232 4358

E-mail: [email protected] • Website: www.nabard.org

mailto:[email protected]

http://www.nabard.org/

Krishi Info · NABARD FOREWORD It gives me great pleasure to present the Potential Linked Credit...

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