PLP 2016-17

Ramanathapuram District

EXECUTIVE SUMMARY
I. Introduction
Ramanathapuram has a hot tropical climate, temperature ranging from 22.3ºC to 37.8 ºC and the
relative humidity is high at 79% on an average and it ranges between 8% to 90% in coastal areas.
It is a district known for Chilly and Cotton in Tamil Nadu. With 34% share, the district is the top
chilly producer in the State. The type of soil available in the district are black clay soil and
generally nitrogen deficient, affected by salinity and alkalinity. The major food crops grown in
the district are Paddy, Cotton and Ragi. Chilly are some of the principal horticulture crops.
Normally, dry climate prevails over the district. The average annual rainfall of the district is 827
mm. There are no perennial rivers in the district. The major source of irrigation is by way of Dug
wells and now Farm Ponds. The district is drought prone and socially backward.

The district has a long coastal line of 271 Km. Fishing is the most popular activity. This district is
famous for Corals and dry fish. The major Industries are Pearl fishery, chank fishery and prawn
farming. Ornamental products made from sea-shell forms the main cottage industry in the coastal
areas of the district. The district also abounds in palm trees and a variety of palmyra products are
made out of them and exported to various countries.

II. Bank Network and Credit flow

The district has a well spread out network of commercial bank branches numbering 106 and
almost all Public and Private sector banks are having their branches in the District. The district
is also serviced by 24 branches of PandyanGrama Bank, 30 branches of Ramanathapuram District
Central Cooperative Bank, 4 branches of Ramanathapuram Co-operative Urban Bank, 1branch of
REPCO Bank, 1 branch of TAICO Bank and 131 Primary Agricultural Cooperative Societies. The
ground level credit flow to various sectors in the district during the last two years and the target
for the year 2015-16 are as under :
(₹. lakh)
Sl. Type of 2013-14 2014-15 2015-16
No. Loan Target Achievement Target Achievement Target
1 Crop 86024.16 79752.16 96550.01 105090.63 114676.30
Loan
2 Term 74007.14 68699.92 87433.94 55752.44 89093.49
Loan
3 NFS / 18105.93 17959.94 19697.27 18682.51 20085.43
MSE
4 OPS 38465.16 38363.26 44100.00 43023.84 44100.26
Total 216602.39 204775.28 247781.22 222549.42 267955.48

III. Sector-wise PLP projection for the year 2016-17

Based on the available infrastructure and natural resources, the potential for credit flow has been
assessed at ₹.314958.00lakh for 2016-2017 as against ₹.267955.48 lakh estimated for the year
2015-16, indicating an increase of 17.54%. Out of this, crop loan accounts for a major share of
₹.139514.46 lakh (44.30%), followed by Term Loan to Agriculture and Allied activities at
₹.56779.48 lakh (18.03%), Housing at ₹.27200.00 lakh (8.64%), Education at ₹.27000.00 lakh
(8.57%), Others at ₹.22405.00 lakh (7.11%), MSME at ₹.15047.28 lakh (4.78%), Ancillary
Activities at ₹.10118.61 lakh (3.21%).Agriculture Infrastructure at₹.7556.04 lakh (2.40%), and
Social Infrastructure, Renewable energy, Export Credit at ₹.4702.50 lakh (1.49%), ₹.2534.63
lakh(0.80%), ₹.2100.00 lakh (0.67%)respectively. Of these, the Crop loan increase works out to
 PLP 2016-17
Ramanathapuram District

21.7%.The share of Term loan and MSME sectors have been decreased by 36.27% and 25.08%
respectively, as most of the sectors in term loan and MSME have been classified separately under
the revised Priority Sector Norms. The activity-wise and block-wise assessment of physical and
financial programmes are presented in Annexure I.

IV. Sector-wise comments on important sectors

1) Crop Loan :Crop loan accounts for major share of`₹.139514.46lakh accounting for 44.30% of
the potential for the total priority sector. Improvements in adequate supply of quality seeds
and pesticides to farmers in time, Coverage of non-loanee farmers and financing tenant
farmers through JLG mode, implementation of revised KCC norms with issue of RupayKisan
Cards, strong extension system, setting up of Agri clinics, storage facilities at village/block level
and promotion of technologies like SRI paddy, drum seeder, etc., will enhance the credit flow
under crop production.

2) Term loan for agriculture and allied activities :Term loan for agriculture and allied
activities is another important area where credit could play a crucial role in improving the
productivity. In the event of drought, the agriculture production will come down drastically,
as majority of the area is irrigated through tanks (kanmois) and farm ponds. It calls for
investment in irrigation structures.Land development, plantation and horticulture, animal
husbandry, fisheries etc. are considered to be thrust areas. Accordingly, an amount
of₹.56779.48 lakh is projected for Term loan for agriculture and allied activities.

3) Agriculture Infrastructure :The credit requirements forAgriculture Infrastructure

activities such as Storage facilities, land development, soil conservation, watershed, organic
cultivation etc. were also assessed and it accounts for₹.7556.04 lakh constituting 2.40% of the
total projections.

4) Ancillary Activities :Of the farm credit projections, Ancillary Activities such as Food and
Agro Processing account for ₹.10118.61 lakh. Activities like Milk Processing, Fish Processing,
Bakery Products etc., are also included under this category.

5) MSME Sector :MSME sector plays a major role in the economy of the district along with
agriculture. Accordingly, the credit potential for this sector is assessed at ₹.15047.28lakh.

6) Export Credit : A new sector included under Priority Sector now as per the revised PSL
Norms of Reserve Bank of India is Export Credit to various manufacturers in the district. An
amount of ₹.2100.00lakh has been projected for this sector taking into account the potential
prevailing in the district in respect of fish, millets and palmyra activities.
7) Education : Education plays a vital role in development of any district. As a new sector under
the revised PSL norms, an amount of ₹.27000.00 lakh has been projected for the year 2016-
17.

8) Housing :Shelter to the people has been considered as one of the important factors enhancing
the standard of living of people living in the district. As a new sector under the revised PSL
norms, an amount of ₹.27200.00 lakh has been projected for the sector considering the need
and demand for the sector.

9) Renewable Energy : This sector which was considered under Agriculture Term Loans
earlier, has now been classified as a separate sector under the revised PSL Norms. An amount
of ₹.2534.63 lakh has been projected under this sector.
 PLP 2016-17
Ramanathapuram District

10) Others : Activities such as Retail trade, self employment, overdraft under PMJDY and
Consumptions Loans are being categorized as Other Activities under the revised PSL Norms.
An amount of ₹.22405.00 lakh has been projected under this sector, considering the number
of PMJDY accounts opened as also the consumption needs of the people.

11) Social Infrastructure :Bank credit for Social infrastructure such as Schools, Hospitals,
Drinking Water, Sanitation etc. have been considered as a separate sector under the revised
PSL norms. An amount of ₹.4702.50 lakh has been projected for this sector.

Critical Infrastructure : Some of the critical infrastructure identified for realizing

the potentials as projected in this document are summarized below:

a) Crop Production :The major problem in the district is scarcity of water due to scanty rainfall
and saline nature of the entire groundwater. It is necessary for the government to take up
immediately the construction of percolation ponds, check-dams, watersheds, percolation
tanks, renovation / desilting of existing tanks etc.

b) Water Resources :Modernisation of existing tanks for bringing more areas under
Agriculture to augment food security. Water saving devices of micro irrigation systems like
drip / sprinkler systems should be popularized.

c) Plantation and Horticulture : Crop diversification with mango, banana may be

encouraged rather than concentrating only on Paddy, Chilly and Cotton.

d) Informal credit delivery system : Coordination between banks, District Administration,

BDOs and NGOs is necessary for introducing a reliable MIS for the SHG and JLG programme
and for arresting the rising trend of NPA in SHG loans.

V. Area based scheme : Based on the needs and potential existing and support schemes
such as subsidy from State / Central Governments available, area based scheme for promoting
credit flow in the area of Dairy, especially in potential blocks have been furnished in this
document. Adequate credit flow need to be ensured for the area development in the selected
blocks.

VI. Innovative Initiatives :Projects under UPNRM, Lead Crop implemented by Farmers
Clubs through an NGO in Mudukulathur Block and construction of Farms Ponds in the land of
farmers free of cost under MGNREGS Scheme (in association with Agri Engineering Department)
has helped farmers belonging to the surrounding villages to cultivate Chillies and Cotton and earn
higher income ranging from 20-30%.

VII. Thrust areas : Promotion of JLGs to increase credit flow in agriculture and allied
activities, promotion of Farmers Club Federations (FCFs), promoting the FCFs into Producer
Organisations, implementation of area based development schemes with a focus on promoting
agriculture on commercial scale, creation of cold storage facilities for chilly are the thrust areas
where adequate credit flow is required from financial institutions.

VIII. Credit flow monitoring :There is a need to assess and monitor the credit flow into vital
sectors of the economy in the district. Necessary interventions have to be made to ensure credit
flow in those sectors. Effective implementation of SAMIS system is essential to have a review on
 PLP 2016-17
Ramanathapuram District

the progress made under ACP. Fora, like DCC, BLBC have to take concrete review on the progress
made under ACP by different banks in various sectors/sub sectors/activities.

IX. Conclusion :

Consequent to the implementation of financial inclusion programme, the number of branches in

the district have increased to 160. About 322 BCs have been appointed by various banks. All the
villages with population of 1000 and above in the district have been covered under financial
inclusion. Credit flow should necessarily increase with the spread of branch network. Effective
implementation of financial inclusion plan including coverage of oral lessees, tenant farmers into
Joint Liability Groups would result in increased credit flow to agriculture and allied sectors. There
is an urgent need for enhancing the capital formation in agriculture as also in non farm activities
through a coordinated approach as also strengthening the reporting system by banks for better
monitoring. Continuous monitoring of the progress of banking sector through SAMIS, regular
review in Block Level Bankers Committee Meeting and District Level Bankers Meeting are of
paramount importance.
 PLP 2016-17
Ramanathapuram District

BROAD SECTOR-WISE PLP PROJECTIONS - 2016-17

District : Ramanathapuram (₹.lakh)
State Tamil Nadu
Updated PLP
Sl.No. SECTOR
2016-17
A Farm Credit
i Crop Production, Maintenance and Marketing 139514.46

ii Term loan for agriculture and allied activities

56779.48
Sub Total 196293.94
B Agriculture Infrastructure 7556.04
C Ancilliary activities 10118.61
I Credit Potential for Agriculture (A+B+C) 213968.59
II micro, Small and Medium Enterprises 15047.28
III Export Credit 2100.00
IV Education 27000.00
V Housing 27200.00
VI Renewable Energy 2534.63
VII Others 22405.00
VIII Social Infrastructure involving bank credit 4702.50
TOTAL PRIORITY SECTOR (I to VIII) 314958.00
 PLP 2016-17
Ramanathapuram District

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

State : Tamil Nadu District : Ramanathapuram

(₹. lakh)
Sl. Particulars Updated PLP
No. 2016-17
I Credit Potential for Agriculture
A Farm Credit
i Crop Production, Maintenance and Marketing 139514.46
ii Water Resources 4447.40
iii Farm Mechanization 2258.93
iv Plantation & Horticulture 16775.10
v Forestry and Wasteland Development 2513.25
vi Animal Husbandry - Dairy 10109.17
vii Animal Husbandry - Poultry 795.51
viii Animal Husbandry - Sheep / Goat / Piggery etc. 1096.20
ix Fisheries (Marine, Inland, Brackish water) 18517.50
x Others - Bullock, Bullock cart etc. 266.42
Sub Total 196293.94
B Agriculture Infrastructure
i Construction of storage facilities (Warehouses, Market yards, Godowns, Silos, 1577.70
Cold Storage units / Cold storage chains)
ii Land Development, Soil Conservation, Watershed development 5280.30
iii Others (Tissue culture, Agri bio-technology, Seed production, Bio pesticides / 698.04
fertilizers, Vermin composting)
Sub Total 7556.04
C Ancillary activities
i Food and Agro processing 6961.11
ii Others (Loans to Co-operative Societies, Agri Clinics / Agri Business Centres, etc) 3157.50
Sub Total 10118.61
Total Agriculture (A+B+C) 213968.59
II Micro, Small and Medium Enterprises
i MSME - Working Capital 6778.75
ii MSME - Investment Credit 8268.53
Total MSME 15047.28
III Export Credit 2100.00
IV Education 27000.00
V Housing 27200.00
VI Renewable Energy 2534.63
VII Others (Loans to SHGs / JLGs, PMJDY etc) 22405.00
VIII Social Infrastructure involving bank credit 4702.50
TOTAL PRIORITY SECTOR (I to VIII) 314958.00
 District Profile

District - State - Tamilnadu

Ramanathapuram

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE

Total Geographical Area (Sq.km) 4175 East coast plains and hill district - South coastal Tamil Nadu Region (
Agro-climatic Zone
No. of Sub Divisions 2 Zone II )
No. of Blocks 11 Climate Semi arid
No. of Villages (Inhabited) 1970
Soil Type Black cotton clay, mixed red and black, coastal alluvium soil,
No. of Village Panchayats 429
3. LAND UTILISATION [Ha] 4. RAINFALL & GROUND WATER
Total Area Reported 417500 Normal 2011-12 2012-13 2013-14
Actual
Forest Land 4488 Rainfall [in mm] 827.0 598.5 617.9 835.7
Area Not Available for Cultivation 87045 Variation from Normal -228.5 -209.1 8.7
Permanent Pasture and Grazing Land 154 Availability of Ground Net annual recharge Net annual draft Balance
Land under Miscellaneous Tree Crops 32216 Water [Ham] 100% Nil
Cultivable Wasteland 3669 5. DISTRIBUTION OF LAND HOLDING
Current Fallow 39165 Holding Area
Classification of Holding
Other Fallow 36917 Nos. % to Total Ha. % to Total
Net Sown Area 200779 <= 1 Ha 323856 82 127698 45
Total or Gross Cropped Area 200779 >1 to <=2 Ha 44610 11 63854 22
Area Cultivated More than Once Nil >2 Ha 25422 6 92876 33
Cropping Inensity [GCA/NSA] 100.00 Total 393888 100 284428 100
6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000]
Cultivators 180 Category Total Male Female Rural Urban
Of the above, Small/Marginal Farmers 240 Population 1354 683 671 943 411
Agricultural Labourers 125 Scheduled Caste 249 125 124 205 44
Workers engaged in Household Industries 38 Scheduled Tribe 1
Workers engaged in Allied Agro-activities 14 Literate 81 88 74 77 89
Other workers 190 BPL 348 188 160 276 72
8. HOUSEHOLDS [in '000] 9. HOUSEHOLD AMENITIES [Nos. in '000 Households]
Total Households 324 Having brick/stone/concrete houses 281 Having electricity supply 309

Rural Households 259 Having source of drinking water 156 Having independent toilets 261

BPL Households 76 Having access to banking services 307 Having radio/tv sets 321
10. VILLAGE-LEVEL INFRASTRUCTURE [Nos] 11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos]
Villages Electrified 1820 Anganwadis 618 Dispensaries 6
Villages having Agriculture Power Supply 1820 Primary Health Centres 45 Hospitals 10
Villages having Post Offices 211 Primary Health Sub-Centres 227 Hospital Beds 1042
Villages having Banking Facilities 1900 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE

Villages having Primary Schools 983 Fertiliser/Seed/Pesticide Outlets [Nos] 294 Agriculture Pumpsets[Nos] 8866

Villages having Primary Health Centres 282 Total N/P/K Consumption [MT] 17432 Pumpsets Energised [Nos] 8866
Villages having Potable Water Supply 716 Certified Seeds Supplied [qtl] Agro Service Centres [Nos] 15
Villages connected with Paved Approach Roads 1710 Pesticides Consumed [lts] Soil Testing Centres [Nos] 3
13. IRRIGATION COVERAGE [Ha] Agriculture Tractors [Nos] 2177 Plantation nurseries [Nos] 2
Total Area Available for Irrigation (NIA + Fallow) 149327 Power Tillers [Nos] 2177 Farmers' Clubs [Nos] 549
Irrigation Potential Created 64045 Threshers/Cutters [Nos] 81 Krishi Vigyan Kendras[Nos] 1
Net Irrigated Area(Total area irrigated at least once) 63679 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING
Area irrigated by Canals / Channels Nil Rural/Urban Mandi/Haat [Nos] 14 Wholesale Market [Nos] 6
Area irrigated by Wells 6368 Length of Pucca Road [Km] 3130 Godown [Nos] 137
Area irrigated by Tanks 47759 Length of Railway Line [Km] 110 Godown Capacity[MT] 16100
Area irrigated by Other Sources 9552 Public Transport Vehicle [Nos] 443 Cold Storage [Nos]
Irrigation Potential Utilized (Gross Irrigated Area) 64045 Goods Transport Vehicle [Nos] 2535 Cold Store Capacity[MT]
15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS
Type of Processing Activity No of units Cap.[MT] 2013-14 2014-15 Avg. Yield
Crop
Food (Rice/Flour/Dal/Oil/Tea/Coffee) 12 1100 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT) [Kg/Ha]
Sugarcane (Gur/Khandsari/Sugar) Nil Paddy 13140 36500 14716 40880
Fruit (Pulp/Juice/Fruit drink) Nil Millets 4296 8192 4812 9174
Spices (Masala Powders/Pastes) Nil Pulses 4243 2192 4667 2411
Dry-fruit (Cashew/Almond/Raisins) Nil Groundnut 4516 4732 5013 5253
Cotton (Ginnining/Spinning/Weaving) 1 1000 Gingilee
Milk (Chilling/Cooling/Processing) 6 30000 Sugarcane (in canes) 382 419
Meat (Chicken/Motton/Pork/Dryfish) Nil Vegetables
Animal feed (Cattle/Poultry/Fishmeal) Nil Production of Cotton(lint), Jute, Mesta & Sanhemp are in Bales(177.8 kg per bale in India)

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

Category of animal Total Male Female Veterinary Hospitals/Dispensaries [Nos] 70 Animal Markets [Nos] 32
Milk Collection Centres
Cattle - Cross bred <1 Disease Diagnostic Centres [Nos] 40
[Nos]
Cattle - Indigenous 132 38 94 Artificial Insemination Centers [Nos] 49 Fishermen Societies [Nos] 1443
Buffaloes 4 1 3 Animal Breeding Farms [Nos] Fish seed farms [Nos] 8
Sheep - Cross bred <1 Animal Husbandry Tng Centres [Nos] Fish Markets [Nos] 450
Sheep - Indigenous 359 98 261 Dairy Cooperative Societies [Nos] 84 Poultry hatcheries [Nos] Nil
Goat 291 84 207 Improved Fodder Farms [Nos] Slaughter houses [Nos] 2
Pig - Cross bred <1 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY
Pig - Indigenous <1 Fish Production [MT] (2014) 48555 Per cap avail. [gm/day] 10
Horse/Donkey/Camel <1 Egg Production [Lakh Nos] 105 Per cap avail. [nos/p.a.] 8
Poultry - Cross bred <1 Milk Production [lakh lts] 23 Per cap avail. [ml/day] 50
Poultry - Indigenous 5 5 Meat Production [MT] 127 Per cap avail. [gm/day] 25

Item Nos. 1, 6, 7, 9 & 10 - District at a Glance Year 2014 ; Latest Census ; Item Nos. 2, 3, 5, 12, 13 & 14 - District at a Glance Year 2014 ; Dept. of Agr/Dir.
Sources (if not mentioned of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item No. 8 - BPL Survey ; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 -
against the respective item): DACNET; Item No. 17 - AH Census ; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir. of Eco. & Stat.
 BANKING PROFILE
District State - Tamil Nadu Lead Bank - Indian Overseas Bank
Ramanathapuram

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

No. of No. of Branches No. of non-formal agencies assoiated Per Branch Outreach
Agency
Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households
Commercial Banks 21 106 52 54 7056 209 8 5000
Regional Rural Bank 1 24 18 6 2110 113 4 2400
District Central Coop. Bank 1 30 20 10 2724 5 2500
Primary Agr. Coop. Society 131 131 5 3000
Others 3 6 6 2
All Agencies 26 297 221 76 2 11890 322 22 12900
2. DEPOSITS OUTSTANDING
No. of accounts Amount of Deposit [Rs.'000]
Agency
31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%)
Commercial Banks 15452687 16534375 17691781 7.0 68.0 20973632 23662300 26252000 12.8 66.0
Regional Rural Bank 2011935 2226350 2426722 10.7 9.1 2671087 2794200 3242100 4.6 7.8
Cooperative Banks 3481463 3847017 4193248 10.5 15.8 3899061 4611400 5197400 18.3 12.9
Others 17495 19332 21072 10.5 0.1 982489 1149000 1173100 16.9 3.2
All Agencies 20963580 22627074 24332823 28526269 32216900 35864600
3. LOANS & ADVANCES OUTSTANDING
No. of accounts Amount of Loan [Rs.'000]
Agency
31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%) 31-Mar-13 31-Mar-14 31-Mar-15 Growth(%) Share(%)
Commercial Banks 337190 357650 375533 5.0 62.2 26974738 30401900 32203700 12.7 67.2
Regional Rural Bank 92152 99985 105984 6.0 17.6 4832604 4713000 4712300 -2.5 10.4
Cooperative Banks 99416 108363 115948 7.0 19.2 6384968 7016300 7315900 9.9 15.5
Others 5232 5703 6103 7.0 1.0 997097 1075800 996200 7.9 2.4
All Agencies 533990 571701 603568 39189407 43207000 45228100
4. CD-RATIO 5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs)
CD Ratio During 2014-15 Cumulative
Agency Agency
31-Mar-13 31-Mar-14 31-Mar-15 Deposit Credit Deposit Credit
Commercial Banks 129% 128% 123% Commercial Banks 2316 2977 31272 36055
Regional Rural Bank 181% 169% 145% Regional Rural Bank 905 1115 12214 13506
Cooperative Banks 164% 152% 141% Cooperative Banks 514 1005 6939 12172
Others 101% 94% 85% Others 27 53 364 641
All Agencies 137 134 126 All Agencies 3762 5150 50789 62374
6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015)
Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women
Agency Amount % of Total Amount % of Total Amount % of Total Amount % of Total Amount % of Total
[Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans [Rs.'000] Loans

Commercial Banks 29002700 95.40 21140900 69.54 14493300 47.67 112200 0.37 8455600 27.81
Regional Rural Bank 4260200 90.39 1335600 28.34 2482200 52.67 Nil 1657700 35.17
Cooperative Banks 4412000 62.88 4306100 61.37 3488100 49.71 Nil 2110600 30.08
Others 460300 42.79 Nil 378800 35.21 900 0.08 475200 44.17
All Agencies 38135200 84.32 26782600 59.22
46.08 20842400 113100 0.25 12699100 28.08
7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS
2012-13 2013-14 2014-15 Average
Agency Target Ach'ment [Rs. Target Ach'ment [Rs. Ach'ment [Rs. Ach[%] in last
Ach'ment [%] Ach'ment [%] Target [Rs.'000] Ach'ment [%] 3 years
[Rs.'000] '000] [Rs.'000] '000] '000]

Commercial Banks 10827700 10534128 97 14765249 13907961 94 16849123 15100237 90 94

Regional Rural Bank 3505200 3503442 100 5174391 4874904 94 5946749 5328621 90 95
Cooperative Banks 1422500 1617238 114 1720000 1694046 98 1942605 1789562 92 101
Others Nil 325 599 617 103 39645 36522 92 65
All Agencies 15755400 15655133 99 21660239 95 20477528 24778122 22254942 90 95
8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS
2012-13 2013-14 2014-15 Average
Broad Sector Target Ach'ment [Rs. Target Ach'ment [Rs. Ach'ment [Rs. Ach[%] in last
Ach'ment [%] Ach'ment [%] Target [Rs.'000] Ach'ment [%] 3 years
[Rs.'000] '000] [Rs.'000] '000] '000]

Crop Loan 7149400 8415691 117.71 8602416 7975216 92.71 9655001 10509063 108.85 106.42
Term Loan (Agr) 5428900 4156102 76.56 7400714 6869992 92.83 8743394 5575244 63.77 77.72
Total Agri. Credit 12578300 12571793 99.95 16003130 14845208 92.76 18398395 16084307 87.42 93.38
Non-Farm Sector 940000 876914 93.29 1810593 1795994 99.19 1969727 1868251 94.85 95.78
Other Priority Sector 2237100 2206426 98.63 3846516 3836326 99.74 4410000 4302384 97.56 98.64
Total Priority Sector 15755400 15655133 99.36 21660239 20477528 94.54 24778122 22254942 89.82 94.57
9. RECOVERY POSITION
2012-13 2013-14 2014-15 Average Rec.
Agency Demand [Rs. Recovery [Rs. Demand [Rs. Recovery [Rs. Demand [Rs. Recovery [Rs. [%] in last 3
Recovery [%] Recovery [%] Recovery [%] years
'000] '000] '000] '000] '000] '000]

Commercial Banks 113367 85489 75.41 124704 89763 71.98 137174 94251 68.71 72.03
Regional Rural Bank 30399 23503 77.32 33438 24678 73.80 36782 25912 70.45 73.85
Cooperative Banks 53097 42872 80.74 58407 45015 77.07 64248 47266 73.57 77.13
All Agencies 196863 151864 77.14 216549 159456 73.64 238204 167429 70.29 73.69

Sources : Lead Bank & SLBC