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EXECUTIVE SUMMARY

The emphasis of PLP 2016-17 is accelerating the pace of capital formation in agriculture and allied sector. Taking cognizance of the focus, sector wise potential for credit deployment along with critical infrastructure gaps in the district has been assessed and presented. Another key feature of PLP 2016-17 is tuning the projections to the revised priority sector classification and broad basing the basket of activities accordingly. The sector wise potential has also been assessed keeping in view the district level action plans of respective departments. Guntur, being agriculturally vibrant is an important district of Andhra Pradesh. The district with a total geographical area of 11.39 lakh ha has a gross cropped area of 8.18 lakh ha, net sown area of 6.39 lakh ha and net irrigated area of 4.34 lakh ha. The major sources of irrigation are the canal networks of Krishna Western Delta System and Nagarjuna Sagar right canal. The major crops are paddy, cotton, chilli, tobacco pulses, maize, turmeric, etc. Allied activities such as dairy are also popular. The cropping intensity of the district is 128%. The soils, in general are very fertile with black cotton soils being predominant (72%) followed by red loam, coastal sands and alluvial soils. The total population is 48.88 lakh in 57 Mandals consisting of 729 villages. The total cultivators are 3.90 lakh of which 3.20 lakh are small and marginal. The extent of agriculture labourers is 10.73 lakh. The district is also rich in mineral resources such as limestone, Napa slabs, copper and lead, lime kankar, etc. Guntur district has good road and communication network. The district has also been an educational hub of the State. The banking network is strong with the presence of 679 bank branches. There are 40 Commercial Banks operating through 556 branches. The Guntur DCCB is one of the strong DCCBs in the State and functions through 33 branches and 167 PACS. Chaitanya Godavari Grameena Bank operates in the district with 90 branches. The disbursement by the banking system to the priority sector during 2014-15 was ` 781932 lakh. The credit deposit ratio is at 143% which indicates greater demand for credit and positive response of the bankers in purveying credit. There are 529 villages with a population of more than 2000 of which 184 villages have banking outlets and in remaining 345 villages, banking services are being provided through BCs/CSP. Of the total households of 10.77 lakh, about 70% have bank accounts. There is a huge potential for growth of investment credit for capital formation and therefore in the potential estimates, term investments have been focused. The potential activities for investment credit are minor irrigation (pump sets, lift irrigation and micro irrigation systems), farm mechanization (tractors and power tillers), horticulture (mango, citrus, and papaya, shade net nurseries, vegetable cultivation on pandals), animal husbandry (mini dairies, commercial layers, sheep rearing), and storage godowns (cold and food grain storages). The availability of raw material base provides potential for agro processing activities such as cotton ginning, chilli and turmeric processing, dairy processing. The district has 125 cold storages with a capacity of 4.75 lakh MT. The district is identified as AEZ for chilli and considerable scope exists for contract farming in chilli with focus on organic chilli for export purpose. There are good numbers of PACS in whose hinterland these activities can be taken up especially agro processing activities, however after ensuring proper backward and forward linkages. The formation of Capital for Andhra Pradesh is expected to provide significant impetus to various sectors especially post-harvest infrastructure, agro processing, MSME, housing and renewable energy sources, etc.

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Notwithstanding the availability of infrastructure, bank network, irrigation sources, the development of agriculture sector is constrained owing to factors such as stagnating productivity, non-availability of timely inputs including credit, absence of reliable linkages especially marketing, etc. However, in the recent times there is focus on adoption of cultivation technology (ex SRI paddy

,Organic chilli, NPM in cotton); creation of scientific storage space suitable for accreditation and engaging collateral management services; more financial institutions foraying into pledge loans, etc. In terms of infrastructure, the critical support necessary for improving the rural economy may include minor irrigation, completion of ongoing irrigation and road projects, maintenance of road network, improving the services rendered at APMCs, etc. In the base PLP prepared by NABARD for the years 2012-17, a potential of `1157,433 lakh was projected for the year 2016-17 covering the entire priority sector lending. Based on the trends in credit flow over the years, important developments in various sectors, revision in scale of finance and unit costs, demand for new activities, the earlier projections have been reviewed and revised. The total potential under priority sector for 2016-17 is estimated at `151,4020.01 lakh. The credit requirement under major sectors viz. Agriculture (comprising of farm credit, agri infrastructure and ancillary activities) is `1000,613.50 lakh, MSME sector is `233,058.38 lakh. SHGs are included in sector wise projections @ 25% in dairy, 15% in SGP, 20% in allied other activities and 40% in OPS. I. Credit potential for Agriculture A. Farm credit Crop Production, Maintenance and Marketing : Crops in the district are mostly cultivated

under irrigated conditions with nearly 65% of the net sown area coming under irrigation. For the year 2016-17, an amount of `757260.05 lakh is estimated which is 2.52% higher than the potential estimated for 2015-16. The contributing factors are revision in scales of finance, new activities such as SRI paddy, potential for pledge loan with several banks and PACS foraying into the sector, scope for vegetable cultivation especially in peri urban areas considering the entry of corporate retailers such as Reliance and Best Price. Timely and adequate supply of inputs like good quality of seed, fertilisers, pesticides and timely credit, nevertheless, continue to be major constraints.

Water Resources: All the 57 Mandals are categorized as safe. The net ground water availability is 3330.14 mcm and the existing MI structures have a total draft of 355.12 mcm and the balance potential is 2975.02 mcm. Hence, there is a large ground water potential available for exploitation. The potential for 2016-17 under this sector has been estimated at `6259.98 lakh which is marginally higher than 2015-16.

Farm Mechanisation: Due to high cost of farm labour and its scarcity, the demand for tractors and other farm equipment is on the rise. Considering the need for having a tractor for 15 ha of wet land /30 ha of dry land and the existing tractor population, considerable scope exists for financing tractors and other farm equipment such as threshers, harvesters, etc. Taking this into consideration, the potential under this sector for 2016-17 is estimated to be `21593.43 lakh which is 10.6% higher than potential for 2015-16. The GoAP subsidy schemes have given lot of impetus to the sector. The credit flow to the sector during 2014-15 was `909 lakh.

Plantation and horticulture: 15% of the net cultivable area is under Plantation and Horticulture sector in the district. The major fruit crops are banana, citrus, mango, sapota and guava; spice crops such as chilli and turmeric; vegetables such as bhindi, brinjal, tomato,

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gourds, onion, elephant foot yam; flowers such as marigold, jasmine and crossandra. In addition, there is lot of scope for medicinal and aromatic plants. Sericulture is another agro-based, labour-intensive cottage industry, providing self-employment to rural people and has potential in the district. We have estimated the potential for the sector at `4354.46 lakh for the year 2016-17. Though the estimated potential is less than 2015-16, the activities have been broad based to include more of post-harvest interventions in tune with action plan of Horticulture Department. The ground level credit flow to the sector during 2014-15 was `616 lakh.

Forestry & Wasteland Development: Forest area in Guntur district has been at 162000 ha which constitutes about 14.72% of the total geographical area and is much below recommended level of 33% to maintain the ecological balance and also State average of 23.20%. The forest area is mostly located in the upland area with or without scrub and degraded forest land. The only important forest produce is fuel wood and these forests do not offer any important raw material for the industries in the district. The potential under this sector for the year 2016-17 has been estimated at `1150.48 lakh. The actual credit flow for this sector during 2014-15 was negligible.

Animal Husbandry: Animal husbandry is a major important activity undertaken by all types of farmers and also by SHG members. Huge infrastructure in the form of Sangam Dairy and other private dairies exists to absorb additional milk production. The district has large cattle and buffalo population. Keeping this in view, the potential for dairy, poultry and sheep/goat/piggery for the year 2016-17 has been estimated at `78078.69 lakh, `6535.14 lakh and ` 24242.87 lakh, respectively. The formation of new capital city in Guntur district is expected to create additional demand for AH products. It is expected that 25% and 15% of dairy development and SGP, respectively is lent through SHG/JLG mode. The actual credit flow for dairy, poultry and SGP during 2014-15 is `942 lakh, `1591 lakh and `121.38 lakh, respectively.

Fisheries: Guntur district is endowed with vast inland, marine and brackish water resources for development of Fisheries. There are two reservoirs viz. Nagarjuna Sagar and Buggavagu pick up reservoir with a water spread area of 29732 ha. In addition, the district is endowed with 206 perennial and 738 long seasonal tanks with a water spread area of 15578 ha and 8918 ha, respectively, which are suitable for fish culture. There are 2745 ha of area under short seasonal tanks for fish culture. The potential under this sector has been estimated at `2668.60 lakh. The actual credit flow for fisheries during 2014-15 was `869 lakh.

Other activities: The other activities under farm credit include bullocks, bullock carts and allied activities through SHGs to an extent of 20% of total SHG potential. The estimated credit potential for the sector is `27686.18 lakh

B. Agriculture Infrastructure Construction of storage facilities and market yards: The production in the district has

been to the tune of 11 lakh MT of paddy, 7 lakh MT of Maize and 0.5 lakh MT of pulses. Chilli production is about 2.50 lakh MT and cotton production is around 3.48 lakh bales of 170 Kg each. Though, considerable storage capacity has been created, the suitability of these structures for scientific storage of food grains is a concern. Also the increasing demand for pledge loans necessitates scientific storage facilities. Considering these factors, the estimated potential for the year 2016-17 is `26990.70 lakh.

Land development, soil conservation and watershed development : Indiscriminate cultivation practices such as mono cropping, high chemical input application is prevalent in Guntur district which warrants adoption of on farm management practices, land reclamation,

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water harvesting structures, etc. are some of the activities which can be considered for bank finance. Taking this into consideration, the potential for 2016-17 was estimated at `1801.31 lakh.

Others: The Others under Agri infrastructure include tissue culture, agri biotechnology, seed production, bio pesticides / bio fertilisers and vermi compost. The estimated potential for these activities for the year 2016-17 is `2571.15 lakh.

C. Ancillary Activities Food and agro processing: With high production base and good public infrastructure

such as road network, power, etc., the district, especially in the wake of new Capital formation offers immense potential for this sector. The setting up of Spice Park which will host 40 export oriented spice processing units would give a fillip to processing sector. The estimated potential for the sector for the year 2016-17 is `37529.25 lakh.

Others: The others under Ancillary activities include credit extended to FPOs, Agri clinics and agri business centres, PACS and other such institutions. Vast extents of chilli, cotton, maize, and cultivation of high value crops such as vegetables, turmeric offer good potential for financing farmer producer groups and commercial ventures. Considering this, the potential for the sector is estimated to be `1891.23 lakhs

II. Micro, Small and Medium Enterprises: The district has vast potential for setting up demand based industries like construction, engineering, consumption; mineral based industries in the category of limestone, copper, lead, clay, quartz, etc.; skill based industries like carpentry, pottery, agricultural implements, vulcanizing, painting, etc. Taking the investment towards MSME enterprises and working capital requirement, the credit requirement for MSME Sector is estimated at `233058.38 lakh for the year 2016-17. The actual credit flow was `196798 lakh for the sector during 2014-15. A higher potential is assessed keeping in view the availability of raw material, improving infrastructure and connectivity. Also considering the existence of about 7000 SSI units, the working capital estimate has also been enhanced. III. Export credit: Export credit has been brought under the ambit of priority sector lending. The commodities exported from Guntur are tobacco, chilli and cotton. There are about 60 exporting units who avail packing credit and post shipment credit. Based on the trends of GLC and potential export of aforesaid agri commodities, the potential for the sector is estimated to be `89100.00 lakh. IV. Education: Guntur district has traditionally been an education hub for the entire State. Large number of professional and other academic institutions in the fields of medicine, engineering, agriculture, etc. exist in Guntur. Considering these factors, the potential for the sector is estimated as `39937.50 lakh V. Housing: Availability of Government incentives and setting up of new Capital in the district offers potential for this sector. The sector has also been brought under priority sector with higher limits. In view of these developments, the potential for the sector is estimated to be `87281.25 lakh. VI. Renewable energy: In the recent times, the Central and State Governments have been promoting renewable energy by providing incentives for various application such as solar home lighting, roof top solar systems (on grid), solar pump-sets for irrigation purpose, etc. The potential assessed for the sector for the year 2016-17 is `487.14 lakh

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VII. Others : Others under this head include loans to SHGs, JLGs, PMJDY loans, etc. Based on the trends in GLC under SHGs and JLGs, the potential assessed for the year 2016-17 is `62460.00 lakh. VIII. Social infrastructure involving bank credit : Though social infrastructure falls in the domain of Government, there is certainly scope for private investments in the sector of health and education. A potential of `1082.25 lakh has been assessed for the year 2016-17. The above potential has been assessed across 16 joint Mandals in the district. The joint Mandal wise physical and financial programme is given in Annexure I. An overview of priority sector GLC and agriculture and allied sectors is indicated in Annexure II and III. The scales of finance for short term credit and the unit costs for medium term and long term credit are indicated in Annexure IV and V, respectively. IX. Area Development Schemes : The focus of the potential assessment is on stepping up investment credit under various sub sectors under priority sector. The suggested approach is to adopt activity wise value chain finance and prepare area development schemes. The possible area development schemes are value chain management of chilli & turmeric, dairy finance together with processing, cultivation of vegetables on pandals. Considering large number of tenant farmers involved in cultivation of these commercial crops, especially chilli and cotton, the bankers may promote JLGs for extending finance. In the present PLP, an outline of area development scheme on value chain management of turmeric is presented in Chapter 12. X. Critical infrastructure Drip irrigation may be promoted in respect of cotton and chilli crop so as to minimise water

consumption, increase the yield and quality of the produce. The entire area under cotton and chilli can be brought under drip irrigation system in the district in the next three to four years. This requires an investment of `4000 crore.

There are 25-30 LI schemes which require revival or renovation with an estimated cost of `30-35 crore. The ayacut that will be brought under irrigation is about 45000 ha.

Warehouse facilities for scientific storage may be promoted considering the need, incentives from Government and increasing pledge loan business in the district.

Guntur district is a hub of commercial crops and is considered as museum of crops. With good

infrastructure, the district also offers immense potential for off farm activities falling under priority

sector. In order to exploit the potential, there is a need for sub sector specific micro plans,

coordinated approach among bankers and Government departments for achieving the potential.

Bankers need to focus on investment credit for enhancing capital formation. There is an urgent

need to stabilise reporting under SAMIS, better monitoring and review at BLBC, DCC meetings,

effective implementation of Financial Inclusion plans and coverage of Oral Lessees, Tenant Farmers

into Joint Liability Groups, etc.

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Broad Sector wise PLP Projections - 2016-17

(` lakh)

Sl. No.

Particulars PLP Projections

2016-17

A Farm Credit

(i) Crop Production, Maintenance, Marketing 757,260.05

(ii) Term Loan for Agriculture and allied activities 172,569.82

Sub Total 929,829.87

B Agriculture Infrastructure 31,363.15

C Ancillary Activities 39,420.48

I Credit Potential for Agriculture (A+B+C) 10,00,613.5

II Micro, Small and Medium Enterprises 233,058.38

III Export Credit 89,100.00

IV Education 39,937.50

V Housing 87,281.25

VI Renewable Energy 487.14

VI Others 62,460.00

VIII Social Infrastructure involving bank credit 1,082.25

Total Priority Sector (I to VIII) 15,14,020.01

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SUMMARY OF SECTOR WISE PLP PROJECTIONS FOR 2016-17 (` lakh)

Sl.No. Sector / Activity PLP

Projections

I Credit potential for Agriculture

A Farm credit

(i) Crop Production, Maintenance and Marketing 757,260.05

(ii) Water Resources 6,259.98

(iii) Farm Mechanisation 21,593.43

(iv) Plantation and Horticulture (including sericulture) 4,354.46

(v) Forestry and Waste Land Development 1,150.48

(vi) Animal Husbandry - Dairy 78,078.69

(vii) Animal Husbandry - Poultry 6,535.14

(viii) Animal Husbandry - Sheep, Goat etc. 24,242.87

(xi) Fisheries (Marine/Inland/Brackish water) 2,668.60

(x) Others – Bullocks, Bullock cart etc. 27,686.18

Sub total 9,29,829.87 B Agriculture Infrastructure

(i) Construction of storage facilities (Warehouses, Market yards, Godowns, Silos, Cold Storage units / Cold storage chains) 26,990.70

(ii) Land development, Soil conservation, Watershed development 1,801.31

(iii) Others (Tissue culture, Agri bio-technology, Seed production, Bio-

pesticides/fertilizers, Vermi composting) 2,571.15

Sub total 31,363.15 C Ancillary activities

(i) Food and agro processing 37,529.25

(ii) Others 1,891.23

Sub total 39,420.48

Total agriculture 10,00,613.50

II Micro, Small and Medium Enterprises 233,058.38

III Export credit 89,100.00

IV Education 39,937.50

V Housing 87,281.25

VI Renewable Energy 487.14

VIII Others 62,460.00

IX Social infrastructure involving bank credit 1,082.25

Total priority Sector (I to VIII) 15,14,020.01

Major Crops/ Activities (14-15) Production (in Million MTs.)

Rice

1.09

Maize

0.67

Chilli

0.37

Fish

0.08

Cotton

0.16

Egg

10999 lakh

numbers

Total Geographic Area : 11391 sq km

Coastline : 64 km

Gross Cropped Area : 818,333 Ha

River : Krishna

% area under agri & allied : 73.29%

At a Glance

College of Agriculture, College of Food Tech, College of Agricultural Engineering, Bapatla

Agricultural/ Horticulture Research Stations

Lam, Amaravathi

Cashew Research Station: Baptla

KVK: Lam, Kavuru & Cherukupalli

PLP 2016-17 Guntur

17

District - Division -

11391

4

57

729

1020

1139100 Normal 2012-13 2013-14 2014-15

162000 853 1001 925 463

34000 148 72 390

17000 Balance

28000 297502

28000

91000

44000 Nos. % to Total Ha. % to Total

639000 536291 71% 245061 35%

818333 151065 20% 206725 30%

166000 73295 10% 240963 35%

128% 760651 100% 692749 100%

390 Total Male Female Rural Urban

320 4888 2441 2447 3235 1653

1073 818 415 403 654 164

53 208 106 102 187 21

25 2961 1635 1326 992 1969

673 2010 905 1105 1407 603

1077 712 890

784 852 460

293 1023 850

729 3870 101

707 78 23

698 2693

575

702 5096 15673

592 360056 10175

729 14850 3

729 18 3

4368 1

467500 30 520

548000 12 1

434500

358819 14 19

128756 6170 220

5618 618 515000

20951 400 125

514129 13722 475000

No of units Cap.[MT]

2375 27267 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT)

1 1250 280060 1021379 255607 1091442 4270

2 21900 85535 748431 63609 667895 10500

39 195 13579 16295 8861 10633 1200

1 10 13148 21723 5945 6837 1150

710 800000 55442 36768 30401 30401 1000

14 4952 63406 380436 61140 366840 6000

4 45000 193207 151281 206374 161590 783

4 20

Category of animal Total Male Female 139 8

Cattle - Cross bred 20 9 11 2 643

Cattle - Indigenous 113 68 45 495 136

Buffaloes 1199 434 765 2 13

Sheep - Cross bred 254 58 196 1 25

Sheep - Indigenous 488 157 331 643 19

Goat 252 52 200 4

Pig - Cross bred 4 1 3

Pig - Indigenous 91 31 60 Fish 77629 24

Horse/Donkey/Camel 1 1 Egg 10999 171

Poultry - Cross bred 4169 1619 2556 Milk 1075 509

Poultry - Indigenous 2708 812 1896 Meat 45536 10

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

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

Sources (if not mentioned against the

respective item):

Item Nos. 1, 6, 7, 9 & 10 - Census 2011; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item No. 8 - BPL

Survey 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET; Item No. 17 - AH Census 2012; Item Nos. 18 & 19 - Dir. of Animal Hus./Dir.

of Eco. & Stat.

Improved Fodder Farms [Nos] Slaughter houses [Nos]

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

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

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

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

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

Dairy Cooperative Societies [Nos] Poultry hatcheries [Nos]

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

Disease Diagnostic Centres [Nos]Milk Collection Centres

[Nos]Artificial Insemination Centers [Nos] Fishermen Societies [Nos]

Meat (Chicken/Mutton/Pork/Dryfish) Cotton*

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

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

Dry-fruit (Cashew/Almond/Raisins) Bengal gram

Cotton (Ginnining/Spinning/Weaving) Blaclgram

Milk (Chilling/Cooling/Processing) Chillies

Sugarcane (Gur/Khandsari/Sugar) Paddy

Fruit (Pulp/Juice/Fruit drink) Maize

Spices (Masala Powders/Pastes) Redgram

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

Type of Processing ActivityCrop

2013-14 2014-15 Avg. Yield

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

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

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

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

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

Irrigation Potential Created Threshers/Cutters [Nos]Krishi Vigyan

Kendras[Nos]Net Irrigated Area(Total area irrigated at least once) 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING

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

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

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

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

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

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

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

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

Villages having Agriculture Power Supply Primary Health Centres Hospitals

Villages having Post Offices Primary Health Sub-Centres Hospital Beds

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

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

Villages Electrified Anganwadis Dispensaries

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

Rural Households Having source of drinking water Having independent toilets

Workers engaged in Allied Agro-activities Literate

Other workers BPL

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

Of the above, Small/Marginal Farmers Population

Agricultural Labourers Scheduled Caste

Workers engaged in Household Industries Scheduled Tribe

Cropping Inensity [GCA/NSA] Total

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

Cultivators Category

Net Sown Area (2014-15) <= 1 Ha

Total or Gross Cropped Area (2014-15) >1 to <=2 Ha

Area Cultivated More than Once >2 Ha

Cultivable Wasteland 5. DISTRIBUTION OF LAND HOLDING

Current FallowClassification of Holding

Holding Area

Other Fallow

Permanent Pasture and Grazing LandAvailability of Ground

Water [Ham]

Net annual recharge Net annual draft

Land under Miscellaneous Tree Crops (not included in

NSA)333013 35512

Total Area Reported

Rainfall [in mm]Actual

Forest Land

Area Not Available for Cultivation Variation from Normal

No. of Villages (Inhabited)Soil Type

Black cotton soils (72%), red soils (17%, coastal sandy soils (9%),

alluvial soils (2%)No. of Panchayats

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

Total Geographical Area (Sq.km)Agro-climatic Zone Krishna Agro Climatic Zone

No. of Sub Divisions

No. of Blocks Climate Sub Tropical Climate

District Profile

Guntur State - Andhra Pradesh Guntur

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE

PLP 2016-17 Guntur

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District - State -

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

Commercial Banks 40 556 178 210 168 6 60601 345 5 3600

Regional Rural Bank 1 90 57 25 8 15589 107 3 2850

District Central Coop. Bank 1 33 18 9 6 1316 3 2180

Coop. Agr. & Rural Dev. Bank

Primary Agr. Coop. Society 167 167 167 2 16000

Others 1 2 1 1

All Agencies 210 848 421 244 183 6 77506 452

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

Commercial Banks 5315980 5951175 6313263 6% 87% 120439800 146656189 177409922 21% 90%

Regional Rural Bank 661760 557836 657686 18% 9% 7308000 9786315 14333480 46% 7%

Cooperative Banks 221603 290543 309735 7% 4% 3338100 3938396 5888698 50% 3%

Others

All Agencies 6199343 6799554 7280684 7% 100% 131085900 160380900 197632100 22 100

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

Commercial Banks 1409835 1354852 1270633 -6% 78% 2024028600 252532003 260773256 3% 92%

Regional Rural Bank 181361 219243 196475 -10% 12% 12913300 13480595 13951985 3% 5%

Cooperative Banks 478520 191944 153625 -20% 9% 7508100 9268502 8176459 -12% 3%

Others

All Agencies 2069716 1766039 1620733 -8% 100% 222830000 275281100 282901700 3% 100%

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

Commercial Banks 168 172 147% NA NA NA NA

Regional Rural Bank 177 138 97% 72251 NA 168258 NA

Cooperative Banks 225 235 139%

Others

All Agencies 170 172 143% 598353

Commercial Banks 62303122 87% 37611870 42% 3651917 4% 12400 0.01% 1388200 1.55%

Regional Rural Bank 7644086 82% 7266374 78% 58183 1% 2337603 24.96%

Cooperative Banks 8245992 96% 8221056 96% 50064 0.59%

Others

All Agencies 78193200 73% 53099300 49% 3710100 3% 12400 0.01% 3775867 3.52%

Commercial Banks 61163790 52274219 85% 75113635 58350077 78% 86637213 62303122 72% 78%

Regional Rural Bank 5817500 9458900 163% 8460701 7692708 91% 8810106 7644086 87% 107%

Cooperative Banks 5752692 13022997 226% 8419798 11896815 141% 10191041 8245992 81% 136%

Others

All Agencies 72733982 74756116 103% 91994134 77939600 85% 105638360 78193200 74% 85%

Crop Loan 36604629 42503700 116% 51916088 49925744 96% 63285711 38341700 61% 86%

Term Loan (Agr) 11157421 14855900 133% 11914024 11537956 97% 13343707 14757600 111% 113%

Total Agri. Credit 47762050 57359600 120% 63830112 61463700 96% 76629418 53099300 69% 91%

Non-Farm Sector 13212121 10201500 77% 14515212 11188600 77% 14950668 19679800 132% 96%

Other Priority Sector 11759811 7195016 61% 13648810 5287300 39% 14058274 5414100 39% 45%

Total Priority Sector 72733982 74756116 103% 91994134 77939600 85% 105638360 78193200 74% 85%

Commercial Banks NA NA NA NA NA NA

Regional Rural Bank 4053988 2568771 63% 13014582 6720730 52% 14637400 10538000 72% 63%

Cooperative Banks 7336451 6006894 82% 13890725 8707026 63% 14091476 12676538 90% 78%

Others (PACS) 559796 450067 80% 13535541 8735294 65% 65%

All Agencies

Sources : Lead Bank & SLBC

Demand [`

'000]

Recovery [`

'000]

Recovery

[%]Demand [` '000]

Recovery [`

'000]Recovery [%]

9. RECOVERY POSITION#

Agency

2012-13 2013-14 2014-15 Average

Rec. [%] in

last 3 yearsDemand [` '000] Recovery [` '000] Recovery [%]

Ach'ment [%]

8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

Broad Sector

2012-13 2013-14 2014-15

Ach'ment [%] Target [` '000] Ach'ment [` '000] Ach'ment [%]

Target [` '000] Ach'ment [` '000]Ach'ment [`

'000]Ach'ment [%]

Average

Ach[%] in

last 3 yearsTarget [` '000]

Ach'ment [`

'000]

Ach'ment

[%]Target [` '000]

Ach'ment [`

'000]

7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

Agency

2012-13 2013-14 2014-15 Average

Ach[%] in

last 3 yearsTarget [` '000]

Ach'ment [`

'000]

Ach'ment

[%]Target [` '000]

Agency

Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections

Amount [`'000] % of Total

Loans

Loans under DRI Scheme Loans to Women

Amount [`'000] % of Total

Loans

Amount

[`'000]% of Total Loans

Amount [`'000]% of Total Loans

Amount

[`'000]

% of Total

Loans

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

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

AgencyCD Ratio

AgencyDuring 2014-15 Cumulative

Commercial Banks

Regional Rural Bank

3. LOANS & ADVANCES OUTSTANDING

All Agencies

Cooperative Banks

Others

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

2. DEPOSITS OUTSTANDING

Agency

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

AgencyNo. of

Banks/Soc.

No. of Branches No. of non-formal agencies assoiated

No. of accounts Amount of Deposit [`'000]

Banking Profile

Guntur Andhra Pradesh Lead Bank - Andhra Bank

Per Branch Outreach