SECTION 4: RURAL CREDIT AND COOPERATION

Rural Credit and Cooperation

SECTION – 4: RURAL CREDIT AND COOPERATION

This section deals with various aspects relating to Rural Credit and Cooperation.

HIGHLIGHTS

4.1: Time series data on the expansion of commercial bank branches in rural and urban areas during the period 1995 to 2014 are given in this Table. The population coverage per bank branch during the said period and the share of rural areas in the total branches are also furnished.

4.2 : Data on gross credit disbursed by the commercial banks for various sectors during the last few years are furnished.

4.3 : The Service Area approach was introduced in 1989 to improve the quality of banking

services in the rural areas. Under this approach, some geographical area is demarcated for each rural bank branch and an approach is formulated for the planned growth of credit in the area.

The sectors covered are agriculture, small industry and other priority sectors. The credit outstanding in regard to Regional Rural Banks during 2008 to 2013 are shown.

4.4 : Data on flow of institutional credit to agriculture sector from 2009-10 to 2014-15 are

presented. Over time, the share of production credit in total agriculture credit has been reducing.

4.5 : Data on sub-sector-wise ground level credit flow for agriculture & allied activities are

shown in this Table.

4.6 : Information relating to number of Kisan Credit Cards issued by agency-wise and State- wise during 1998-99 to 2012-13 is given. Amount disbursed as on March 31, 2013 to farmers in various States are also shown.

4.7: Information relating to number of Kisan Credit Cards issued by agency-wise and State- wise during 1998-99 to 2012-13 is given. Amount disbursed as on March 31, 2013 to farmers in various States are also shown.

4.8:This Table shows the profile of Rural Cooperative Banks as on March 2012.

4.9: Number of Primary Agricultural Credit Societies (PACS) along with membership for

2010 are presented in this Table.

4.10: Data on selected activities of Primary Agricultural Cooperative Societies (PACS) in different States as on March, 2012 are given.

4.11: Data relating to the number of Self-Help Groups (SHGs) financed and loans advanced by different agencies for the years 2006-07 and 2007-08 are presented.

4.12: Details on agriculture and rural credit structure for the years 2013 & 2014 are shown.

Rural Development Statistics

4.13:Loan disbursements made during 2011-12 to 2014-15 by different agencies including State Cooperative Agriculture and Rural Development Banks, State Cooperative Banks and Regional Rural Banks are highlighted.

4.14: Information in regard to the purpose-wise-sanctions and disbursements of loans made during 2011-12 to 2014-15 by NABARD is shown. The purposes for which the amounts are sanctioned include land based, livestock based and market based activities.


BACK

Highlights

● Though the absolute number of rural bank branches has registered an absolute increase from 33.1

to 44.7 towards during the period 1995-2014, the per cent share of those branches in the total bank

branches has declined from 53 to 38 per cent. On account of ‘Financial Inclusion’ policy, the total bank

branches in the country has gone up from 62.5 towards for 1.16 lakh during the period 1995-2014

and in percentage terms the increase was 86 points.

● The share of agriculture and allied sectors in Gross Bank Credit was about 12 per cent in 2012-13

despite rise in credit flow to agriculture in absolute terms from` 5484 billion to ` 5899 billion. The

heavy dependency of farmers on money-lender is partly on account of denial or limited access to Bank

services.

● The credit disbursed by RRBs in the six year period ending 2013 registered a significant hike. RRBs

are largely providing credit support to agriculture. Priority sector lending has covered around 82 per

cent during the period 2008-2013.

● Financial institutions are evincing more interest in lending for production purpose than for investment.

The incremental increase in the credit during the current decade vouches for this. This also resulted in

low levels of capital formation in agriculture affecting the productivity and growth.

● The percentage share of cooperative banks in issuance of Kisan Credit Cards is less than that of

Commercial Banks (37 and 48 per cent, respectively) and also the amount of credit sanctioned by the

former was very much lower than the latter as at the end of March 2013.

● The share of SCs and STs in PACs is about 29 per cent in membership and their share in borrowers is

17 per cent as of March 31, 2010.

● There has been steady rise in credit disbursement by NABARD during the three-year period ending

2014-15 mainly due to credit flow to non-farm sector and farm mechanisation kept a declining pace in

this period.


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4: RURAL CREDIT AND COOPERATION

A. RURAL CREDIT

Table 4.1: Scheduled Commercial Banks: Branch Expansion - 1995 to 2014 (Number)

S. No.

Year Rural Semi- Urban

Urban Metropol-

itan Total

Population per Bank Branch (in Thousand)

1. 1995$ 33,089 13,310 9,105 7,196 62,531 13

(52.9) (21.3) (14.4) (11.5) 2. 1996$ 33,000 13,586 9,116 7,403 63,105 15

(52.3) (21.5) (14.4) (11.7) 3. 1997$ 32,981 13,694 9,283 7,555 63,513 15

(51.9) (21.6) (14.6) (11.9) 4. 1998 32,864 14,266 10,593 8,865 66,408 15

(49.5) (21.5) (16.0) (13.4) 5. 1999 32,859 14,462 10,869 8,995 67,185 15

(48.9) (21.5) (16.2) (13.4) 6. 2000 32,798 14,536 10,932 9,073 67,339 15

(48.7) (21.6) (16.2) (13.5) 7. 2001 32,547 14,605 10,309 8,472 65,933 15

(49.4) (22.2) (15.6) (12.8) 8. 2002 32,476 14,710 10,445 8,555 66,186 16

(49.1) (22.2) (15.8) (12.9) 9. 2003 32,303 14,859 10,693 8,680 66,535 16

(48.6) (22.3) (16.1) (13.0) 10. 2004 32,121 15,091 11,000 8,976 67,188 16

(47.8) (22.5) (16.4) (13.4) 11. 2005 30,755 15,174 11,678 10,942 68,549 16

(44.9) (22.1) (17.0) (16.0) 12. 2006 30,776 15,370 12,008 11,263 69,417 16

(44.3) (22.1) (17.3) (16.2) 13. 2007 30,625 16,594 13,330 12,203 72,752 16

(42.1) (22.8) (18.3) (16.8) 14. 2008 31,197 17,979 14,602 13,113 76,891 15

(40.6) (23.4) (19.0) (17.1) 15. 2009 31,796 19,119 15,612 13,842 80,369 15

(39.6) (23.8) (19.4) (17.2) 16. 2010 32,497 20,707 16,884 14,935 85,023 15

(38.22) (24.35) (19.86) (17.57) 17. 2011 33946 23097 17614 16261 90,918 15

(37.34) (25.40) (19.37) (17.89) 18. 2012 36531 25822 18852 17268 98,473

(37.09) (26.22) (19.14) (17.53) 19. 2013 39718 28494 19873 18081 1,06,166

(37.41) (26.84) (18.72) (17.03) 20. 2014 44699 31298 21310 19143 1,16,450

(38.38) (26.88) (18.30) (16.44) $ : Population group-wise classification as per 1991 Census.

Note: Figures in parentheses indicate percentages to the total branches in each group.

Source: Reserve Bank of India, Handbook of Statistics of Indian Economy, 2013-14.


Source: Reserve Bank of India, Report on Trend and Progress of Banking in India, 2012-13.

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Table 4.2: Sectoral Deployment of Gross Bank Credit by Major Sectors

(Amount in Billion)

S. No.

Sector Outstanding on Percentage Variation

March 2012 March 2013 2011-12 2012-13

1 Agriculture and Allied Activities 5484 5899 14.1 7.6

2 Industry of which 19374 22302 20.7 15.1

2.1 Infrastructure 6300 7297 20.8 15.8

2.2 Micro and Small Industries 2363 2843 12.4 20.3

3 Services 10166 11486 14.5 13.0

3.1 Trade 2245 2760 21.3 22.9

3.2 Commercial Real Estate 1126 1261 15.7 12.0

3.3 Tourism, Hotels and 323 354 16.7 9.9

Restaurants 3.4 Computer Software 143 169 3.0 18.4

3.5 Non-Banking Financial 2278 2570 24.0 12.8

Companies (NBFCs) 4 Personal Loans 7873 9009 13.4 14.4

4.1 Credit Card Outstanding 204 249 12.9 21.9

4.2 Education 498 550 16.6 10.4

4.3 Housing (including Priority 4013 4600 12.6 14.6

Sector Housing) 4.4 Advances against Fixed 569 611 15.4 7.3

Deposits 5 Total Non-food Gross Bank 42897 48696 17.0 13.5

Credit 6 Total Gross Bank Credit 43714 49642 17.1 13.6



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Table 4.3: Purpose-wise Outstanding Advances by RRBs (Amount in Crore)

S. No.

Purpose / End March 2008 2009 2010 2011 2012 2013 *

I Agriculture (i to iii) 33216 36466 46282 55067 63800 75200

Per cent to total loans outstanding

56.3 52.8 55.9 55.7 54.8 53.8

i Short – term loans (crop loans)

22748 24986 33663 40663 46600 55100

ii Term loans (for agriculture and allied activities)

10468 11480 12619 14404 17200 20100

iii Indirect Advances -- -- -- -- -- --

II Non-agriculture (i to iv) 25768 32564 36537 43900 52600 64500

Per cent to total loans outstanding

43.9 41.2 44.1 44.3 45.2 46.2

i Rural Artisans, etc. 671 820 810 881 1000 1100

ii Other Industries, etc. 1227 1400 1598 2625 3700 4200

iii Retail Trade, etc. 4531 5015 5234 5082 5800 6200

iv Other purposes 19339 25329 28895 36643 42000 53000

Total (I+II) 58984 69030 82819 100298 116400 139700

Memo item

a) Priority Sector 48894 57528 68823 82643 955 1143

b) Non-priority Sector 10090 11502 13956 16300 208 253

c) Share of Priority Sector 82.9 83.3 83.1 83.5 82.1 81.8

(Per cent to total) *: Provisional


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Table 4.4: Agency–wise Ground Level Credit Flow

( Crore)

Agency 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15

Cooperative Banks 63497 78007 87963 111203 119964 138469

Regional Rural Banks 35217 44293 54450 63681 82652 102483

Commercial Banks 285800 345877 368616 432491 509005 599691

Total 384514 468291 511029 607375 711621 840643

Source: NABARD, Annual Report 2014–15.

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Table 4.5: Sub-sector-wise Ground Level Credit Flow for Agriculture & Allied Activities

( Crore)

S. No.

Sector / Sub-Sector 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12

I. Crop Loan 105350 138455 181393 210461 276656 335550 396158

(ST-Production Credit)

II. Term Loan 75136 90945 73265 91447 107858 132741 114871

(MT & LT Investment Credit) i. Minor Irrigation 8663 8566 2840 3180 5197 4363 1522 *

ii. Land 1749 2285 2553 2887 3669 3615 1216 *

Development iii. Farm 9695 10113 8303 8334 10211 12800 2084 *

Mechanisation iv. Plantation & 4481 5266 5910 6045 6407 6610 867 *

Horticulture v. Animal 7341 8045 9034 10398 10260 12773 2798 *

Husbandry vi. Fisheries 1019 1424 1248 1281 1854 1931 143 *

vii. Hi-tech 9737 21498 33325 41694 50797 82774 Agriculture viii. Others $ 32451 33748 10052 17628 19463 7875 4553 *

Total (I + II) 180486 229400 254658 301908 384514 468291 511029

*Data in respect of co-op banks and RRBs only. $: Others include storage/market yards, forestry / wasteland development, RIDF, Bullock and Bullock carts, bio-gas and credit flow through private sector commercial banks. Source: NABARD, Annual Report 2013–14.


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Table 4.6 : Number of Kisan Credit Cards Issued - Agency-wise and Year-wise

(As on March 2012)

(Number in Millions)

S.No. Year Cooperative Banks RRBs Commercial Banks Total Banks

1 1998-99 0.16 0.01 0.62 0.78

2 1999-00 3.60 0.17 1.37 5.13

3 2000-01 5.61 0.65 2.39 8.65

4 2001-02 5.44 0.83 3.07 9.34

5 2002-03 4.58 0.96 2.70 8.24

6 2003-04 4.88 1.28 3.09 9.25

7 2004-05 3.56 1.73 4.40 9.68

8 2005-06 2.60 1.25 4.17 8.01

9 2006-07 2.29 1.41 4.81 8.51

10 2007-08 2.09 1.77 4.61 8.47

11 2008-09 1.34 1.41 5.83 8.59

12 2009-10 1.74 1.95 5.31 9.01

13 2010-11 2.81 1.77 5.58 10.16

14 2011-12 2.96 1.99 5.12 10.07

15 2012-13 2.69 2.04 8.24 12.98

Cumulative # 46.35 19.22 61.31 126.87

Share in Total 36.53 15.15 48.33 100.00

(Per cent)

#: Since inception of the scheme, i.e August 1998. Source: Reserve Bank of India, Report on Trend and Progress of Banking in India, 2012-13.

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Table 4.7: Status of Kisan Credit Cards – State-wise

(As at end March 2013)

(Amount in Billion and number of Cards in ‘000)

S.No. State/UT Cooperative Banks

Regional Rural Banks

Commercial Banks Total

Cards Issued

Amount sanctioned

Cards Issued

Amount sanctioned

Cards Issued

Amount sanctioned

Cards Issued

Amount sanctioned

Northern Region 328 28.2 167 31.9 1090 239.3 1586 299.4 1 Haryana 15 1.2 39 6.2 146 41.1 200 48.5 2 Himachal Pradesh 16 2.5 7 1.4 35 5.3 57 9.2 3 Jammu & Kashmir 2 0.1 4 0.3 218 10.3 225 10.7 4 New Delhi # $ - - - - 70 3.8 70 3.8 5 Punjab 17 1.6 21 7.2 244 101.8 282 110.7 6 Rajasthan 278 22.8 96 16.7 375 75.6 749 115.0 7 Chandigarh # $ - - - - 2 1.5 2 1.5 North-Eastern Region 17 1.1 116 3.4 192 8.9 325 13.5

8 Assam 5 0.9 84 2.7 133 6.1 221 9.6 9 Arunachal Pradesh # - - - - 4 0.2 4 0.2

10 Meghalaya # 3 0.1 5 0.2 14 0.6 22 1.0 11 Mizoram # - - 3 0.2 4 0.2 7 0.4 12 Manipur # - - 1 - 5 0.4 6 0.4 13 Nagaland # - - - - 8 0.4 9 0.4 14 Tripura # 9 0.1 23 0.3 21 0.9 53 1.2 15 Sikkim #$ 1 - - - 3 0.2 3 0.2

Western Region 409 21.4 115 7.9 975 148.6 1499 178.0 16 Gujarat 159 6.3 34 3.1 229 46.5 422 55.8 17 Maharashtra 250 15.1 81 4.9 741 101.5 1072 121.4 18 Goa $ - - - - 4 0.6 4 0.7 19 Daman & Diu @#$ - - - - - - - - 20 Dadra & Nagar Haveli @$ - - - - - - - -

Central Region 1050 39.7 689 41.8 1401 193.5 3140 275.1 21 Uttar Pradesh 558 9.4 551 30.6 918 114.1 2027 154.0 22 Uttarakhand 35 2.6 8 0.8 63 10.3 106 13.7 23 Madhya Pradesh 278 21.0 75 8.0 372 63.2 725 92.1 24 Chhattisgarh 179 6.8 55 2.5 48 6.0 282 15.3

Southern Region 472 18.5 466 22.8 3340 348.3 4278 389.5 25 Karnataka 101 3.7 68 6.9 391 72.0 560 82.6 26 Kerala 104 6.3 69 4.7 193 33.9 366 44.9 27 Andhra Pradesh 126 3.1 234 8.0 1965 141.4 2325 152.5 28 Tamil Nadu 142 5.3 94 3.1 773 98.4 1008 106.9 29 Lakshadweep - - - - - - - - 30 Puducherry # - - - - 18 2.6 18 2.7

Eastern Region 413 10.2 494 24.8 1246 72.2 2154 107.3 31 Odisha 213 6.3 45 4.9 231 10.0 488 21.2 32 West Bengal 166 3.1 120 13.3 433 22.9 719 39.3 33 Andaman and Nicobar

Islands #$ 1 0.1 - - 1 - 1 0.1

34 Bihar 16 0.5 242 4.8 356 31.8 615 37.1 35 Jharkhand 17 0.2 88 1.9 226 7.4 331 9.6

Total 2691 119.2 2048 132.6 8243 1010.9 12982 1262.8 # :StCB functions as Central Financing Agencies $ : No. RRB in these States /UTs.

@ : No. of Cooperative Banks in these UTs. Source: Reserve Bank of India, Report on Trend and Progress of Banking in India, 2012-13.


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B. COOPERATION

Table 4.8: Profile of Rural Cooperative Banks (As at 31st March, 2012)

(Amount in Crore)

Short-term Long-term

StCBs DCCBs PACS SCARDBs PCARDBs

31

145

867

370

359

1768

92432

160

503

20

64

11

697

48

5

427 505 888 160 135

756 1448 912 194 120

1479 2573 1605 + 294 262

28 318 45433 10 358 7 17 14 1 2

3 52 36375 10 338

2 3 34 3 4

5 14 -20 -2 -2

52 154 243 ++

6.8 9.7 26.8 33.1 38.6

96 78 73 41.3 47.3

StCBs: State Cooperative Banks, DCCBs: District Central Cooperative Banks

PACs: Primary Agricultural Credit Societies, SCARDBs: State Cooperative Agriculture and Rural Development Banks, PCARDBs: Primary Cooperative Agriculture and Rural Development Banks +: Working Capital ++: Total Overdues Source: Reserve Bank of India, Report on Trend and Progress of Banking in India, 2012-13.

Item

A. No. of Cooperative Banks

B. Balance Sheet Indicators

i. Owned funds (Capital + Reserves)

iii. Deposits

iv. Borrowings

v. Loans and Advances

vi. Total Liabilities / Assets

C. Financial Performance

i. Institutions in Profit

a. Number

b. Amount of Profits

ii. Institutions in Loss

a. Number

b. Amount of Loss

iii. Overall Profit (+) / Loss (-)

D. Non-performing Assets

i.Amount

ii.As percentage of Loans Outstanding

E. Recovery of Loans to Demand (Per cent)


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Table 4.9: Region-wise Membership of Primary Agriculture Credit Societies (PACS)

(As at end March, 2010)

Regions Members per PACS

Percentage of SC/ST members

Percentage of rural artisans,

small and marginal farmers

Borrowers per PACS

Percentage of SC/ST

borrowers

Percentage of rural artisans,

small and marginal

borrowers Northern 862 27.7 72.3 464 16.9 83.1 Eastern 2130 40.8 59.2 720 27.8 72.2 Central 665 47.3 52.7 297 38.5 61.5 Western 571 13.3 86.7 147 16.2 83.8 Southern 3064 18.3 81.7 2215 8.7 91.3 North-Eastern 1031 35.2 64.8 73 32.2 67.8 All-India 1336 28.9 71.1 632 17.1 82.9



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Table 4.10: Selected Indicators of Primary Agricultural Credit Societies (PACS)

– State-wise (At the end of 31, March, 2012)

(Amount ` in Million)

S. No.

State/Region No. of PACS

Deposits Working Capital

Loans and Advances Outstanding

Agriculture Non-Agriculture

Northern Region 10818 31917 194564 104988 6530

1. Chandigarh 16 - 2 - 1

2. Haryana 640 5317 88051 57782 4295

3. Himachal Pradesh 2117 8292 23512 5013 -

4. Jammu & Kashmir 765 12 787 223 9

5. Punjab 1609 4343 12059 11834 356

6. Rajasthan 5671 13953 70152 30116 1869

North-Eastern Region 3500 779 3958 497 77

7. Arunachal Pradesh 34 - 194 - -

8. Assam 766 - 1112 56 3

9. Manipur 232 1 62 47 -

10. Meghalaya 179 27 348 147 5

11. Mizoram 133 1 32 13 -

12. Nagaland 1719 642 1125 20 36

13. Sikkim 169 - 72 16 -

14. Tripura 268 109 1013 198 32

Eastern Region 19421 32882 97563 43776 665

15. Andaman & Nicobar 46 13 46 36 -

Island 16. Bihar 8463 1753 5082 - -

17. Jharkhand 498 774 4878 2866 -

18. Odisha 2452 10737 38878 26386 665

19. West Bengal 7962 19604 48679 14488 -

Central Region 15357 15005 96341 51155 2652

20. Chhattisgarh 1213 2619 10565 5603 376

21. Madhya Pradesh 4457 8173 64555 33996 1189

22. Uttarakhand 758 3531 8629 3553 1087

23. Uttar Pradesh 8929 682 12593 8003 -

Western Region 29633 13458 276829 127541 22560

24. Goa 77 317 962 123 292

25. Gujarat 8154 11717 94908 46434 2252

26. Maharashtra 21402 1424 180959 80984 20016

Southern Region 13703 408480 935825 144445 316138

27. Andhra Pradesh 2807 12602 350433 42373 1843

28. Karnataka 4739 22823 79187 38772 5870

29. Kerala 1566 318786 345579 25446 209670

30. Puducherry 53 962 1661 149 401

31. Tamil Nadu 4538 53307 158965 37705 98354

All India 92432 502522 1605080 472382 348621 Source: Reserve Bank of India, Report on Trend and Progress of Banking in India, 2012-13.


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Table 4.11: Agency–wise Number of SHGs Financed and Release of Loans 2006-07 & 2007-08

Agency Number of

SHGs financed (in Thousand)

Bank Loan (Amount in Crore)

2006-07

2007-08 (P) 2006-07

2007-08 (P)

Commercial Banks

572 (52.0)

312 (42.0)

3919 (60.0)

2043 (48.0)

Regional Rural Banks

381 (34.0)

241 (33.0)

2053 (31.0)

1599 (38.0)

Credit Cooperative Banks

153 (14.0)

187 (25.0)

599 (9.0)

586 (14.0)

Total

1106.0 (100.0)

740.0 (100.0)

6570 (100.0)

4228 (100.0)

P: Provisional Data.

Note: Figures in parentheses are percentage shares in total.



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Table 4.12: Agriculture Cooperatives and Rural Credit Structure (2013 & 2014)

( ̀in Crore)

Particulars SCARDBs PCARDBs

2013 2014* Growth (%) 2013 2014 Growth (%)

Number 20 20 - 714 714 -

Share capital 884.54 911.51 3.05 1448.07 1452.61 0.31

Reserves 5371.00 5961.49 10.99 3552.12 3482.19 8.17

Deposits 1300.38 1539.79 18.41 712.25 743.00 4.32

Borrowings 15788.41 15751.06 (-)0.24 14507.39 14441.32 (-)0.46

Loans Issued 3652.77 4575.99 25.27 3718.39 3840.52 3.28

Loans 18744.20 20399.61 8.83 12976.17 12892.65 (-)0.64

Outstanding

*: Provisional.

SCBs : State Cooperative Banks SCARDBs : State Cooperative Agriculture and Rural Development Banks

PCARDBs: Primary Cooperative Agriculture and Rural Development Banks

Source: NABARD, Annual Report 2014-15.


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Table 4.13: Disbursements by NABARD- Agency-wise

(2011-12 to 2014-15)

( in Crore) S.No. Agency 2011-12 Share

(%) 2012-13 Share

(%) 2013-14 Share

(%) 2014-15 Share

(%)

1. SCARDBs 2444.93 15.85 1741.31 9.85 1814.95 8.45 2923.97 9.30

2. SCBs 1192.29 7.73 2071.06 11.72 1713.32 7.97 3818.09 12.16

3. Commercial Banks 8433.75 54.69 8708.77 49.27 13254.6

2

61.69 13675.2

0

43.51

4. RRBs 3086.19 20.01 4753.66 26.90 4303.67 20.03 10220.9

1

32.52

5. PUCBs 54.08 0.35 100.00 69.29 100.00 30.00 0.00 0.00

6. ADFCs 210.46 1.37 330.20 1.87 369.60 1.72 789.13 2.51

Total 15421.7

0

100.00 17674.3

0

100.00 21486.2

0

100.00 31427.3

0

100.00

SCARDBs – State Cooperative Agriculture and Rural Development Banks. SCBs – State Cooperative Banks. RRBs – Regional Rural Banks. PUCBs – Primary Urban Cooperative Banks. ADFCs – Agricultural Development Finance Corporations. Source : NABARD, Annual Report 2014–15.

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Table 4.14: Purpose-wise Disbursements of Refinance by NABARD during 2011-12 to 2014-15

( in Crore) S.No. Purpose Disbursement

2011-12 Share (%)

2012-13 Share (%)

2013-14 Share (%)

2014-15 Share (%)

1. Minor Irrigation 660.51 4.28 739.27 4.18 518.98 2.42 1147.17 3.65 2. Land Development 504.07 3.27 817.69 4.63 834.06 3.88 1300.16 4.14 3. Farm Mechanisation 2134.51 13.84 2282.79 12.92 3063.04 14.26 2383.60 7.59 4. Plantation & Horticulture 1547.50 10.03 1361.92 7.71 690.44 3.21 2033.45 6.47 5. Poultry Farming/

Sheep/Goat/ Piggery - Others 680.20 4.41 411.29 2.33 623.86 2.90 672.52 2.14

6. Fisheries 91.88 0.60 37.85 0.21 21.80 0.10 64.15 0.20 7. Dairy Development 889.88 5.77 872.87 4.94 933.21 4.34 1770.63 5.63 8. Forestry 15.97 0.10 7.80 0.04 6.39 0.03 8.29 0.03 9. Storage & Market Yards 157.47 1.02 295.30 1.67 385.61 1.79 294.21 0.94

10. SGSY 211.98 1.37 111.72 0.63 62.78 0.29 0.81 0.003 11. Non-Farm Sector 3574.21 23.18 5150.88 29.14 8231.98 38.31 11117.83 35.38 12. SC/ST – Action Plan 4.26 0.03 19.35 0.11 14.70 0.07 2.47 0.007 13. Self- Help Groups 3072.59 19.92 3916.64 22.16 3813.14 17.75 4493.67 14.29 14. Others 1876.67 12.17 1648.92 9.33 2286.18 10.64 6138.34 19.54

Total 15421.70 100.00 17674.92 100.00 21486.17 100.00 31427.30 100.00

Source: NABARD, Annual Report 2014-15.

SECTION 4: RURAL CREDIT AND COOPERATION

Documents

Transcript of SECTION 4: RURAL CREDIT AND COOPERATION