state focus papernabard_statefocuspaper2014_15...on a realistic basis, tak es into accounts various...
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State Focus Paper
NABARD has been playing a pivotal role in encouraging an enhanced credit flow to priority sector in collaboration with Government and Banks. The Potential Linked Credit Plans (PLPs) are prepared annually for every district to map the potential for development in agriculture and rural sector through credit flow. The PLP exercise while assessing the credit requirements on a realistic basis, takes into accounts various factors like infrastructure availability, gaps if any, extension services, marketing support, credit absorption capacity, strengths and capabilities of the rural financial institutions, etc. The PLPs for the year 2014-15 are therefore, updated on the edifice of Base PLPs, prepared last year, co-terminus with Twelfth Five Year Plan period.
The aggregation of these district level PLPs forms the State Credit Plan. This document wherein the credit potential for priority sector has been estimated at ` 74,578 crore for the year 2014-15 envisages an increase of 26 per cent over the previous year's projections. The State Focus Paper for the year 2014-15 focuses on two important aspects viz., estimation of sectoral potential for credit on a scientific and rational basis to provide a development perspective for the State, as also suggesting an incisive coverage of critical infrastructure requirements and gaps to be bridged for development of each of the sectors. Improving the production and productivity in agriculture, post-harvest management and infrastructural development are some of the other priorities outlined in the State Focus Paper.
Madhya Pradesh is emerging as one of the fastest growing states with noteworthy achievements in agriculture, irrigation, reliable power supply and delivery of many other public services. To consolidate and further accelerate growth, the state has brought out “Madhya Pradesh Vision 2018: An Agenda for Development, Change and Good Governance”. It is a matter of satisfaction to find a great deal of convergence between the state vision and the efforts of financial sector in the state. NABARD's own initiatives in the state in the form of investments through RIDF in irrigation and rural connectivity, supporting financial inclusion, bringing the cooperative banks on the technology platform, promotion of livelihood for tribals, Farmers Producers Organisations etc, find endorsement in the vision document. The exercise of potential based credit planning thus would lend credible support to the state efforts.
The team NABARD Madhya Pradesh would like to express heartfelt gratitude for the support and cooperation extended by all the State Government departments, RBI, Banks and NGOs in bringing out this comprehensive document. We hope it will be immensely useful to all the stake-holders to realise the collective dream of agricultural growth and rural prosperity in Madhya Pradesh.
Dr Rajendra Kulkarni
Chief General Manager
NABARD Madhya Pradesh RO Bhopal
29th January 2014
INDEX
Chapter No.
Particulars Page No.
Broad Sector wise PLP projections for Plan period : 2012-17 1
Summary of sector / Sub-sector wise PLP projections – 2014-15 with a pie diagram
3
Executive Summary 4
1 State Profile (with map of Madhya Pradesh) 14
2 Banking / Financial Sector Profile in the State 27
3 NABARD perception on the development of the State 46
4 Infrastructure Planning 56
5 Potential Credit outlay under various sectors 68
ANNEXURES
I District-wise and Sector-wise PLP projections for 2014-15 92
II Agency wise, broad sector-wise flow of ground level credit – Targets, achievements and percentage of achievement for previous three years and target for 2013-14
110
III Critical Infrastructural Support to be provided 111
IV Critical Interventions required in various sectors 135
Addresses of DDMs & DDM(R)s, NABARD, MPRO 142
BROAD SECTOR-WISE PLP PROJECTIONS: 2012-13 TO 2016-17
MADHYA PRADESH
(`̀ in lakh)
S. No.
Sector / Activity Financial Projection
2012-13 2013-14 2014-15 2015-16 2016-17
1
Crop Production, Maintenance and Marketing (Crop Loan)
2224907.25 3066998.26 3929544.16 4644027.42 5755719.46
2 Term investment for Agri.& Allied Activities (Agri.Term Loan)
1053466.97 1323255.76 1652470.86 1951797.46 2380838.68
3 Total investment under Agri.& Allied Activities (1+2)
3278374.22 4390254.02 5582015.02 6595824.88 8136558.14
4 MSME Sector (including Food & Agro Processing)
326220.18 669616.77 859117.14 1213898.60 1365551.47
5 Other priority Sector (OPS)
598178.73 827780.35 1016672.25 1217698.47 1512068.25
Total Priority Sector (3+4+5)
4202773.13 5887651.14 7457804.41 9027421.95 11014177.86
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BROAD SECTOR-WISE PLP PROJECTIONS: 2014-15
MADHYA PRADESH
(`̀ in lakh)
Sr. No. Sector Financial Projections
1 Crop Production, Maintenance and Marketing 3929544.16
2 Term investment for Agriculture and Allied Activities 1652470.86
3 Total investment under Agriculture and Allied Activities (1+2)
5582015.02
4 MSME Sector (including Food & Agro Processing) 859117.14
5 Other Priority Sector 1016672.25
6 Total Priority Sector (3 + 4 + 5) 7457804.41
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Sub-sector-wise PLP Projections – 2014-15
MADHYA PRADESH
(`̀ in lakh)
Sl. No. Sector PLP Projections
1 Crop Production, Maintenance and Marketing 3929544.16
2 Water Resources 303565.70
3 Land Development 69735.55
4 Farm Mechanisation 470653.02
5 Plantation & Horticulture (including Sericulture) 128474.07
6 Forestry & Waste Land Development 22329.88
7 AH - Dairy Development 266237.55
8 AH - Poultry Development 16327.47
9 AH - Sheep/Goat/Piggery Development 34070.80
10 Fisheries Development 27114.40
11 Storage Godowns / Market Yards 215906.20
12 Renewable Sources of Energy & Waste Utilisation 34860.00
13 Other Activities 63196.22
14 Total Agricultural Term Loan (2 to 13) 1652470.86
15 Total Agricultural Credit (1 + 14) 5582015.02
16 Total MSME 859117.14
17 Other Priority Sector 1016672.25
Total Priority Sector (15 + 16 + 17) 7457804.41
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EXECUTIVE SUMMARY
Introduction
The highlights of the State Focus Paper are incorporated in the following paragraphs which, inter alia, cover the analysis of exploitable potential for flow of credit to various sectors, institutional performances and initiatives, availability of infrastructure, gaps in infrastructure and most importantly the critical infrastructure and interventions that are essential for development of different sectors besides the issues and constraints affecting different sectors, role of stake-holders and suggestions for improvement, etc.
State Profile
l The state of Madhya Pradesh was formed on November 1, 1956 and was reorganized on 1st November 2000, with the enactment of Madhya Pradesh Re-organisation Act. Administratively, the State is divided into 10 divisions covering 51 districts spread over 352 tehsils, 313 blocks and 54903 villages. The State has 51 Zila Panchayats, 313 Janpad Panchayats and 23040 village Panchayats.
l MP is the second largest Indian State in terms of geographical size (3.08 lakh sq.km) accounting for 9% of the total Geographical area of the country. Over 95 lakh ha area constituting about 30.88% of its Geographical area is under forests.
l The State is sub-divided into 11 sub agro-climatic zones, which offers vast opportunities for agriculture diversification. The average rainfall in the State is 1092 mm.
l As per Census 2011, the State had a population of 725.98 lakh (6% of the country's population) of which tribal population accounts for 21.09%. The combined population of scheduled castes and scheduled tribes at about 36.72% of the total population was higher as compared to all India average of 25.2%. As per latest Planning Commission estimates (2011) the BPL population in the state was 31.6% of the total population as against the All India figures of 21.9%. The literacy rate of Madhya Pradesh has improved from 63.7 in 2001 to 70.6 in 2011.
l The Gross State Domestic Product (GSDP) during 2011-12, had increased by 11.81% over last year (base year – 2004-05). The Primary sector which covers agriculture, animal husbandry, forest produce, fisheries, etc. contributed 26.81% in the Gross State Domestic Product during 2011-12. The per capita income of the state at constant prices has increased from `.15442 in 2004-05 to `. 26514 in 2012-13 while at national level the same increased from `.24143 to `.39143 during the same period.
l As per agriculture census 2010-11, total land holdings in the State were 88.72 lakh in 2010-11 and the average size of land holding declined from 2.22 ha (2000-01) to 1.78 ha (2010-11). The Marginal and small farmers account for 71% and hold 34% of the total area.
l The gross cropped area during 2011-12 was 217.55 lakh ha with cropping intensity of 144.87% and the net sown area was 150.17 lakh ha constituting 49% of the total Geographical area.
l Total food-grains production in the State during 2011-12 was 230.12 lakh metric tons (39.11% increase). The State produces 51.4% of the soyabean, 20% for the wheat, 33% of the gram, 25.93% of oilseeds, 24.35% of pulses production of the country. The joint efforts have resulted in the State bagging the prestigious KRISHI KARMAN AWARD for second year in a row. While the productivity of Pulses at 8.03 qtls/ha was higher than the national average at 6.99 qtls/ha, the productivity of almost all other commodities was low in comparison to all India level.
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l The Net Irrigated Area (NIA) of the State increased from 71.40 lakh ha in 2010-11 to 78.80
lakh ha in 2011-12 and constituted 52.47% of the NSA during 2011-12. The major source of irrigation are Wells & Tube -wells(65%), canals (17%) and others (17%). The ultimate irrigation potential of the state from surface and ground water is expected to be 60.9 lakh ha and 52 lakh ha., respectively. When the above potential is harnessed, the percentage of irrigation to NSA would be 76.80%.
l There were over 26 industrial development centers and more than 575 heavy and medium
industries in the state. The number of registered factories which was 8,352 in 2005 had increased to 9998 in 2011. The Global Investors Meet 2012 yielded encouraging response with signing 1018 MOUs of likely investment of `356555 crore. The State is actively working to realise the committed investment through its investor friendly policies and processes. In addition, both economic and physical infrastructure are being improved which are considered as bottleneck for investors to invest in the state.
Banking Profile
l There are 37 Commercial Banks (CBs), 03 Regional Rural Banks (RRBs), 1 State Cooperative Bank (MPSCB), 38 District Central Cooperative Banks (DCCBs), 4530 Primary Agriculture Credit Societies (PACS), 1 State Cooperative Agriculture and Rural Development Bank (MPSCARDB) and 38 District Cooperative Agriculture and Rural Development Banks (DCARDBs) in the state purveying credit. The bank branch network in the State had increased from 5733 in 2011-12 to 5949 in 2012-13 improving the per branch population from 12663 in 2011-12 to 12203 in 2012-13 as against all India average of 12100 (as on 31 March 2013).
l The aggregate deposits of all banks in the State stood at ` 220689.43 crore as on 31 March 2013 as compared to ` 180871.44 crore as on 31 March 2012, recording a growth of 22.01%. The total loans outstanding as on 31 March 2013 for all agencies together were `139329.84 crore as against `113291.17 crore as on 31 March 2012 registering an increase of 22.98% during the year. The overall CD ratio in the State as on 31 March 2013 was at 63% as against the national average of 74.4%. Howeverr, the low CD ratio (below 40%) of 9 districts viz., Tikamgarh, Singrauli, Rewa, Sidhi, Alirajpur, Anuppur, Mandla, Umaria and Shahdol is a matter of concern.
l The disbursements under priority sector lending had increased from ` 32449.00 crore during 2011-12 to `40562.56 crore during 2012-13 registering an increase of 25%. Further, the disbursement during 2012-13 recorded an achievement of 96% of the targets fixed.
l Due to NABARD's initiatives, all the 887 branches of MPSCB/DCCBs have moved on to CBS platform. Further, MPSCB and 24 DCCBs have become RTGS/NEFT compliant. Madhya Pradesh was the leading State in the country to have launched the RTGS/NEFT.
l Amalgamation of RRBs: As decided by Government of India, eight RRBs in the state were amalgamated into three RRBs viz. Central Madhya Pradesh Gramin Bank (CMPGB, sponsored by Central Bank of India with its Headquarters at Chhindwara), Madhyanchal Gramin Bank ( sponsored by State Bank of India and Headquarters at Sagar) and Narmada Jhabua Gramin Bank (Sponsored by Bank of India and Headquarters at Indore).
Short Term Cooperative Credit Structure (STCCS)
The STCCS consists of Madhya Pradesh Rajya Sahakari Bank Maryadit, Bhopal (MPStCB) operating as Apex Level Institution in the State, 38 District Central Cooperative Banks (DCCBs) operating at the district level and 4530 Primary Agricultural Credit Societies (PACS) operating at the grass root level. With the successful implementation of Vaidyanathan Committee-I Package in the State, the STCCS in the State is playing an important role in purveying credit in rural areas. Madhya Pradesh is the first state of the country where all the (38) DCCBs have been issued licence by RBI.
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Financial Inclusion
l
The National Agenda on financial inclusion is to provide financial services like savings, credit, remittance, insurance and pension for every Indian household by March 2015. In the first phase, all the 2,736 villages in the state,
with a population of more than 2000, were covered
with availability of banking services either through opening of regular brick and mortar branches, USBs, BCs/BFs or through other modes such as mobile vans. Further, banking services would be provided in the villages with population of less than 2,000 during the second phase, through BCs identified and allocated to 27 banks. Further, as the villages are scattered across the state, a concept of shadow villages has been mooted for dispensation of banking services through BC's/ Kiosks/ Mobile vans etc., falling within 5 KM of the periphery of the base branch located in the shadow area.
l
While RBI is monitoring the financial inclusion plans (FIP) of Commercial Banks, NABARD is monitoring the FIPs of RRBs in the country. While in the first phase the RRBs in the State have completed the FIPs upto March 2013, in the second phase, they have prepared FIPs for the years 2013-14, 2014-15 and 2015-16 which are being monitored by NABARD on a monthly basis. The DCCBs, which have been brought on to the CBS platform recently, have also submitted the FIPs.
l NABARD extends grant support to RRBs and Cooperative Banks out of FIF/FITF to convert
KCC cards into RuPay KCC cards, RuPay Debit Cards, adoption of technologies for ICT enabled Business Correspondent (BC) model of financial inclusion, purchase of PoS/micro-ATMs, setting up of FLCs and demonstration of technology besides supporting them inspreading financial literacy.
l NABARD had sanctioned financial assistance to Commercial Banks, RRBs, NGOs, Schools/
Colleges, Akashvani, Doordarshan, etc., for undertaking Financial literacy programmes and for printing of Financial Literacy material.
l Pilot project on Direct Cash Transfer to beneficiaries: Six districts in the State viz., Bhopal, Burhanpur, Hoshangabad, Harda, Khandwa and Jabalpur have been selected to implement GoI's scheme of cash transfer of social benefits schemes directly into the bank accounts of beneficiaries.
Micro Credit
l SHG-Bank Linkage Programme: As against a total potential for formation of 530981 SHGs in the state, 297762 SHGs have so far been formed leaving a scope for formation of additional 233219 SHGs. The average savings per SHG in the State was low at ` 7727 as against the national average of ` 11230 and Highest Priority state (West Bengal) average of `12388. Though the loans issued to SHGs in the State had increased from ` 115.33 crore in 2010-11 to ` 137.27 crore during 2012-13, the average loan issued per SHG stood low at ` 90415 when compared to the national average of ` 168757 and the highest priority state (Uttar Pradesh) average of `136085. The microfinance sector has been experiencing problems in recoveries and repayments due to various reasons. Further, graduation of SHGs to micro -enterprises and livelihood activities is not taking place at the desired pace.
l Promotion of Women SHGs (WSHG): In order to encourage bankers to credit link SHGs on a sustainable way and also to graduate them to micro enterprises, GoI have started a pilot project titled WSHG for poor women in the 9 backward/LWE districts in the State viz., Rewa, Balaghat, Seoni, Shahdol, Mandla, Dindori, Umaria, Anuppur and Sidhi by involving an anchor NGO. This approach is expected to facilitate sustained financial inclusion through bank loan, promote livelihood development of women and deliver social development programmes for women through SHGs. NABARD has sanctioned 33 projects for promotion of 9625 WSHGs
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involving grant assistance of ` 962.50 lakh in all 09 identified WSHG districts. As at the end of November 2013, a grant assistance of ` 119.67 lakh was released to the nodal agencies. As on 30 November 2013, 6149 WSHGs were promoted, 5321 savings linked and 561 credit linked.
Computerisation of Land Records and On Line Access
GoMP has prepared the largest database of land records in the country which is known as Bhu- Abhilekh. It aims at facilitating delivery of citizen services as well as computerisation of land record management. The prime objective was to make entry of legacy data and to create a repository of ownership and land use information for generation of periodic reports, including a copy of the Record of Rights (ROR), Khatauni etc. to the land owners through the computerized system. The land records of all revenue villages have been computerized, which are updated on a regular basis with the facility of automatic weekly backups. Thirty five million Khasra (Plot/Survey) numbers comprising of eleven million landowners have been computerized. Online Access of Bhuabhilekh can be done by visiting http:/www.landrecords.mp.gov.in
Modified KCC scheme
Based on the recommendations of the working group set up by GoI, the Modified KCC Scheme has come into effect from 1st April 2012. The revised KCC Scheme aims at providing adequate and timely credit support from the banking system under a single window to the farmers for their cultivation and other needs like a) To meet the short term credit requirements for cultivation of crops, b) Post harvest expenses, c) Produce Marketing loan, d) Consumption requirements of farmer household, e) Working capital for maintenance of farm assets and activities allied to agriculture, viz. dairy animals, inland fishery etc. and f) Investment credit requirement for agriculture and allied activities like pumpsets, sprayers, dairy animals etc.
Agriculture Development
The State has made impressive strides on the agricultural front during the last decade. Policy support, production strategies, public investment in infrastructure particularly in Irrigation, extension facilities, livestock and fisheries have significantly helped in increase food production and its availability. During the year 1999-2000 to 2012-13, the average growth rate of State GDP was 6.65% which varied between 4.80% in primary sector to 7.71 % in service sector. The rate of growth of GSDP during Xth & XI pla n was 6.57% and 9.94% respectively. Higher growth of State GDP in XI plan is mainly attributed to higher growth (7.95%) in agriculture sector. During the year 2012 -13, the state has achieved a growth rate of 13.36% in primary sector.
Trends in area under Major crops The area under food grains and oilseeds had increased by 2.76% per annum and it varied between 2.05% under cereals to 4.55% under Pulses. The area under wheat, gram and soyabean crops has shown an increasing trend and annual growth of 5.14%, 2.76% and 2.21% has been estimated under these crops.
Trends in Agriculture production
Major growth in XIth plan was observed in cereal crops (particularly in wheat production) and per annum growth rate in production of cereals, pulses, oilseeds and cotton is estimated at
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13.26%, 8.29%, 5.31% and 9.09%, respectively in XI plan. The higher growth in production of wheat (16.24%), Gram (8.91%) and Soyabean (4.58%) was observed during 2007-08 to 2011-12.
Animal Husbandry & Dairy Development
Madhya Pradesh accounts for 11 % of total cattle population and 8.67% of the buffaloe population of the country (Livestock Census 2007). During 2008-09, the share of State in total cow, buffalo and goat milk production in the country was 6.10%, 6.41% and 10.17%, respectively while the share in total population was 11%, 8.67% and 6.41%, respectively. This shows that the productivity of milk in case of goats is better than national average while in case of cows and buffalo productivity is much lower than all India. The poultry birds in the state accounts for 1.1% of total poultry birds of the country in 2007, while in the production of eggs state share is 1.21% during 2008-09. The productivity of eggs in the state was higher at 91 eggs per bird per annum as against the country average of 86 eggs.
Critical State-specific issues
l Agriculture in the State, especially for small and marginal farmers in rainfed areas, is perceived to be increasingly unviable owing to yield and price risks and lack of risk mitigation mechanisms.
l Only about 50% of the 90 lakh operational land holdings have been covered with credit and the per hectare agricultural credit is lower than that of many states, pointing at the need for concerted efforts of the banks in improving farm credit scenario in the State.
l Fragmentation of land is a very challenging issue as evidenced by the increasing number of small land holdings in the State. The average size of land holding in MP declined from 2.02 ha in 2005-06 to 1.78 ha in 2010-11 as against all India average of 1.16 ha. Marginal & small farmers account for more than two thirds (71%) and hold around one third (34%) of total area. This restricts farm mechanisation and affects production and productivity.
l Depletion of ground water resources is posing a major challenge for the State.
l Low Seed replacement ratio & imbalanced use of fertilizers.
l Damages of crops due to erratic and uncertain rainfall, cold wave/frost & hail storm.
l Delayed sowing in Paddy, Chickpea, Lentil, rising temperature during grain fo rmation
period, non availability of sufficient agricultural labour, poor Power consumption affect the production and productivity.
l Deficiency of Micro nutrients, specially the Zinc in the soils.
l Problems of Wilt & root rot disease in chickpea & Lentil.
l Yield of most of the crops, except Pulses, is lower than that at All India Level. l Low productivity of Cattle.
l Post-harvest management is also an area that needs more attention. Provision of post harvest infrastructure for horticulture products to improve income of farmers is required to reduce post harvest losses.
l The State ranks low in the infrastructure development index (75) as compared to many states. Critical rural infrastructure needs of the State with suggested prioritization have been assessed in Chapter IV, which could also be used as a pointer in the process of improving infrastructure.
l Poor penetration of SHG movement in the state.
Approach of 12th Plan - National Perspective
The main objective of 12th plan (2012-2017) is “Faster, Sustaina ble and Inclusive Growth”. The Twelfth Plan approach is based on strong macro fundamentals and good performance
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over the 11th Plan period. The initiatives taken in the 11th Plan period have resulted in substantial progress towards both its objectives of faster and inclusive growth.
GoMP's VISION 2018
In view of the satisfactory attainments in various sectors viz., food, agriculture and irrigation, reliable power supply, road connectivity, innovative social justice initiatives, guaranteeing delivery of selected public services, a good law and order situation, sound management of public finance, commitment to good governance, etc., and inorder to make Agriculture a profitable venture, GoMP has prepared a VISION 2018 document, with a view to consolidate the gains made so far, further accelerating the growth and all -round and inclusive
development. The various Mission statements as incorporated in the document are as under:
l Expand the outreach of agriculture technology and irrigation to the remotest farms and consolidate the gains in the sector by promoting farm-level diversification and value addition.
l Going beyond enrolment and retention, strive for excellence in education for all
l Strive for all-round development in higher education in colleges and universities, to make it comparable to the best in the country and in selected areas bring them upto international levels.
l Ensure comprehensive healthcare to all
l Empower women to become equal partner in the socio-economic development of the state.
l Impart skills to enhance capabilities to ten lakh young men and women to attain wage and self employment.
l Expand opportunities and ensure access for all disadvantaged sections to achieve inclusive growth.
l Provide piped drinking water in all urban centres and expand its availability to rural households
l Connect all villages with all-weather roads and make the state highways world class.
l Utilize the continuous availability of quality power for the economic and social development of people of the state.
l Make the state leader in generation and use of renewable energy and green technologies.
l Promote rural connectivity and inter & intra city public transport to facilitate travel etc.
l Enrich the quality of life in cities and towns by improving civic infrastructure etc.
l Enrich the quality of life in rural areas.
l Make Madhya Pradesh Investors' choice destination.
l Expand opportunities for self employment for youth by promoting entrepreneurship
l Strive for a balance between developmental priorities and sustainable use of natural resources.
NABARD’s perspective on the Vision 2018 document
The Vision 2018 document must articulate a clear vision on the following basic parameters: l Reliable and accurate data base for proper planning, policy implementation and equitable
distribution of resources. l Conservation and efficient utilisation of natural resources (water, soil, vegetation, etc.) with
long term policy (Land use planning, ground water, etc.) l Agro-climatic zone wise planning with emphasis on Commercialisation of agriculture and
quasi consolidation of land holdings l Long-term vision with explicit inter-sectoral linkages l Policy supported Institutional changes with people's participation
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l Enhancement of Farmers’ income on sustainable basis l Identification of investment priorities - Public v/s private investment l Incentive for stakeholders with proper coordination between development programmes/
schemes and policies l Risk management and drought proofing measures.
NABARD's Inititatives NABARD has undertaken various development initiatives towards agriculture and rural development, which include (i) Administering Capital Investment Subsidy Schemes of GoI, (ii) promotion of Farmers Clubs, (ii) promotion of SHGs/ JLGs and their credit linkages, (iii) Wadi Development for tribal farmers, (iv) Watershed Development, (v) Seed Village programme for Productivity enhancement, (vi) innovative projects under Rural Innovation Fund, (vii) Umbrella Programme for Natural Resource Management, (ix) Technology Transfer under Farmers Technology Transfer Fund, ( x) Financial support for Infrastructure Development under RIDF & NIDA, (xi) PACS as Multi Service Centres, (xii) Development of PACS Development Cells, (xiii) Financial inclusion, etc. Strategies for future: Some of the future directions suggested include (i) promotion of cluster based organic farming, (ii) development of low cost mechanisation, effective drought proofing, (iii) appropriate technology transfer, (iv) improving per capita institutional credit, (v) bridging yield gap, (vi) risk mitigation mechanisms, (vii) technology adoption as well as ensuring adequate input supply and proper marketing support in respect of non-farm sector, (viii) Improving per SHG credit and successful nurturing of micro enterprises (ix) widening and deepening the Banking Correspondent (BC) model etc. Rural Infrastructure
Development of any sector is accelerated only if it has the backing of good infrastructure. Lack of access to basic services and infrastructure in rural areas points to a need for intervention by the State and other stake holders. Rural infrastructure primarily refers to the basic facilities, services and installations, needed for the rural community or society. It mainly includes irrigation structur es for agriculture, rural roads, bridges, water supply, sanitation, rural energy, education, health and communication systems. Rural infrastructure in sectors like irrigation and connectivity (roads and bridges) is essential for increasing productivity of land, capital formation, employment generation, reducing post harvest losses and improving living standards of the people. Since 1995-96, NABARD has been supplementing the efforts of the State Government, through Rural Infrastructure Development Fund (RIDF), in augmenting the rural infrastructure. In the base SFP, an amount of ` 8100 crore was assessed to be sourced by Govt of Madhya Pradesh from NABARD under RIDF over the next four years. Out of aforesaid amount an amount of ` 3010 crore has been earmarked for the financial year 2014-15.
Impact of RIDF
So far 3806 projects have been sanctioned under RIDF for various purposes involving RIDF assistance of ` 12010.94 crore. RIDF assistance has helped the state in bringing in more than 4.83 lakh Ha of land under irrigation, creating more than 8084.49 KM of road length and 19877.64 Metres of bridge length, generation of 158.84 MW of power, besides creation of education and social infrastructure.
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Critical infrastructure
Critical infrastructure could be defined as that infrastructure, which if created, will support increased credit flow under agriculture and benefit a large number of people and would cover (i) Infrastructure having a large impact on Livelihoods of large number of people and income levels of rural population, (ii) infrastructure that results in improving production, productivity through improved connectivity, livelihood, value addition, etc., (iii) infrastructure that leads to environmentally sustainable development. An attempt has been made to assess critical rural infrastructure needs of the State with suggested prioritisation in Chapter IV, which could also be used as a pointer in the process of improving infrastructure.
Some Critical Infrastructure needs identified in various sectors are as under:
S.No Sector Critical Infrastructure Required
1 Crop Production, Marketing, etc
Soil testing labs, extension services, Custom hire centres,
2 Water Resources Low cost Rain water harvesting structures, energisation of irrigation pumpsets, construction of dams,
3 Land Development Water Conservation, Rain Water Harvesting structures, Watershed Development
4 Plantation and Horticulture
Increase in Network of extension and marketing services, model Horticultural farms, drying yards, centralised nurseries, cold storages, silk rearing units.
5 Animal Husbandry Cattle breeding centres and markets, Constructioin of veterinary hospitals, E-vet projects, Milk Cold Storages, Milk Collection centres, AI centres, Poultry Development Centres, Mobile veterinary clinics, increase in milk routes; increased hatchery centres, setting up abattoirs, sheep and goat development centres.
6 Fisheries Development Infrastructure for fish markets, Ice Plants and cold storages.
7 Storage and Post Harvest Management
Creation of additional Ware housing facilities, Rural Godowns, Cold Storages, Milk cooling chains accredation of godowns & Issuance of Negotiable Warehouse Receipts
8 MSME Regular and quality power supply, technology of rice mills,
9 Rural Connectivity Construction of Rural Roads and Bridges.
10 Social Sector Construction and modernisation of PHCs, Anganawadis, Schools, Colleges and infrastructure for providing safe drinking water
Credit Projections
NABARD has estimated a potential of ` 74,578.04 crore for credit flow under Priority Sector for the year 2014-15, an increase of 26.67% over the projections for the year 2013-14. The details are discussed in Chapter V. Sectoral Analysis Crop Production
Despite all odds, the State has made great strides in agricultural production and received the prestigious KRISHI KARMAN AWARD, second year continuously. Though there is substantial increase in the productivity of paddy, wheat, gram and groundnut and cotton over the years, it
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needs to be further increased to match the all India figures. Some of the issues that need to be addressed include (i) issuance of cultivators eligibility cards for tenant farmers/share croppers; (ii) strengthening of the extension services, (iii) compensation to farmers in the event of loss due to poor quality of inputs, (iv) notification of all crops under NAIS; (iv) rationalisation of Scales of finance for cultivation of crops, (vi) coverage of all the farmers under Revised KCC Scheme (vii) encourage pledge financing to avoid distress sale as also meet their short term credit requirements, (viii) enhancing the Individual Maximum Borrowing Power (IMBP) by PACS, etc. Water Resources The state has an ultimate irrigation potential of about 121.74 lakh hectare. Proper assessment of ground water resources on yearly basis, promotion of rain water harvesting structures, financing of MI structures, drip and sprinkler irrigation would help in achieving the targets projected. Land Development
Land Development covers a broad spectrum of activities undertaken by farmers to prevent soil erosion as also for improving the productivity of land such as land leveling, bunding, soil conservation, reclamation of saline and alkaline soils, NADEP, Farm ponds, watershed approach for rain fed farming etc. Arrangements for soil testing at all block levels, increased use of organic manures, financing of commercial production of organic inputs would lead to achieve the potential made. Farm Mechanisation
The farm operations like hoeing, irrigation, harvesting, threshing and marketing are required to be performed at appropriate time, with quality and precision to improve the yield and farm income. The problems of mechanization of smaller holdings can be overcome through (i) Cooperative management of farm machinery; (ii) Financing of second hand tractors for small farmers; (iii) Extension services to advise the suitability of various makes, models and horse powers for different size of operational holdings;(iv) Devising cost effective smaller machinery suitable for small farms; (vi) Popularizing on the use of Power Tillers for various farm operations, which are performed by tractors. Extension Services to educate farmers on proper alternate use of machinery in the off-season so as to ensure optimum utilization of asset. Revamp the tenancy legislation; encouraged land lease markets; increased size of operated farms. Incentives to farmers, to encourage them to go for Co-operative farming by pooling in their land are some of the initiatives which will increase the credit offtake in the sector.
Plantation and Horticulture (including Sericulture)
Horticulture crops besides being labour intensive, high valued, generate more employment and increased income, help in checking soil erosion and provide high density green cover to the soil due to their perennial nature. The State has favourable agro climatic and socio-economic conditions for the development of sericulture. State Government has planned to increase the area under horticulture crops from 8.23 lakh ha in 2010-11 to 20 lakh ha by the end of 2016-17. Proper Insurance coverage, adoption of cluster approach Establishment of nurseries, Promotion of medicinal and aromatic plants, Promotion of food processing infrastructure facilities etc., would lead to enhanced off-take of credit and development of the sector.
Forestry & Wasteland Development
Madhya Pradesh has the largest forest cover in the country. Forestry and wasteland development activities like raising of forest species on wastelands, dry land horticulture, etc., assume special
12
significance as these activities turn the unproductive land and wasteland into cultivable land. Some of the action points to increase credit off-take under forestry include (i) improvement in the marketing infrastructure for forest produce, (ii) increasing productivity of marginal forest land, (iii) backward and forward linkages for afforestation programme on private lands, etc.
Animal Husbandry
Dairy Development is one of the three important sectors identified for focus as has vast potential to increase the income of the rural folks. Madhya Pradesh accounts for 11% of total cattle population and about 7% of total milk production in the country. Inadequate marketing facilities, unremunerative price for the producers, non-availability of quality animals, inadequate feed and fodder, veterinar y aid and breeding facilities are some of the limiting factors for increasing milk production. Special training programmes on dairy farming, improved veterinary health services at block level, improved infrastructure, viz., bulk milk coolers, new milk routes, fodder cultivation, popularisation of backyard poultry, establishment of hatcheries, feed mixing plants, awareness programmes for beneficiaries, making available quality breeds, commercial goat and pig farming around major cities, etc., would lead to the development of the sector.
Fisheries
Fisheries, due to its potential for generation of employment and income is gaining more importance than before, especially for socio-economically weaker and backward communities of fishermen belonging to scheduled tribes and scheduled castes which constitute the poorest section of the society. The state has vast and varied resources of inland fisheries and is one of the riches t in India. The action points identified for achieving the potential under the sector include (i) creating awareness on the income generating capacity of commercial aquaculture projects, (ii) encouraging small landholders for Integrated fish farming, incorporating dairy, horticulture, agriculture, poultry etc., (iii) rearing facility for acting as the nucleus seed supply centre in each potential block, (iv) development of hygienic fish markets.
Storage Godowns and Market Yards Post-harvest management of agricultural and horticultural produce has been one of the biggest challenges of all times. Post harvest losses can be prevented with proper storage and marketing arrangements. It is estimated that in our country, around 10% of food grains produced is lost every year for want of better storage facilities. Further, absence of proper storage arran gements forces farmers to go in for distress sales resulting in heavy losses. Hence there is an urgent need to storages/ cold storages. Popularisation of pledge finance, efficient utilisation of godowns, creation of awareness among small farmers, accreditation of warehouses are the suggested action points to achieve the potential.
Micro and Small Enterprises and Other Priority Sectors
Development of MSME helps in capital formation, growth of entrepreneurship among local people, reduced migration and ensures inclusive growth. Both Central and State Governments have initiated several steps for promotion of the sector. Due to lack of adequate agro -processing facilities, the post harvest losses are very high in agriculture, especially under horticultural crops. Establishment of AEZs, Food Parks and efforts made under Contract Farming are steps towards popularisation of Agro/ Food processing sector. Timely sanction of loans, development of handloom clusters, common facility centres, meeting credit requirement of handlooms, handicrafts, rural artisans, etc., would boost the development of MSME sector.
13
14
CHAPTER - 1
STATE PROFILE 1. PHYSICAL & ADMINISTRATIVE FEATURES
2. SOIL & CLIMATE
Total Geographical Area ('000 Sq.km) 308
Agro-climatic Zone Zone VII, VIII & IX (11 Sub Agro Climatic Zones)
No. of Tahsil 352
Climate Subtropical
No. of Blocks 313
Soil Type Alluvial, Medium & Deep Black, Mixed Red & Black
No. of Villages (Inhabited) 52117
4. RAINFALL & GROUND WATER
No. of Panchayats 23012
Rainfall [in mm]
Normal Actual 2010-11 2011-12 2012-13
3. LAND UTILISATION [lakh ha]
1092 842 1032 1001
Total Area Reported 307.56
Variation from Normal -250 40 -91
Forest Land 86.97 Availability of Ground
Water [Ham]
Net annual recharge Net annual draft Balance
Area Not Available for Cultivation 34.60 81523 56857 24666
Permanent Pasture and Grazing Land 13.21
5. DISTRIBUTION OF LAND HOLDING (2010-11)
Land under Miscellaneous Tree Crops 0.21
Classification of Holding Holding Area
Cultivable Wasteland 10.56
Nos.('000) % age ha. % to Total
Current Fallow 5.39
<= 1 ha 3891 44 1915 12
Other Fallow 5.10
>1 to <=2 ha 2449 28 3466 22
Net Sown Area 150.17
>2 to <=4 ha 1655 19 4510 28
Total or Gross Cropped Area 217.55
>4 to <=10 ha 789 9 4545 29
Area Cultivated More than Once 67.38
>10 ha 89 1 1400 9
Cropping Inensity [GCA/NSA] 1.45
Total 8873 100 15836 100
6. WORKERS PROFILE [in '000]
7. DEMOGRAPHIC PROFILE ['000] (Census 2011)
Cultivators 9844
Category Total Male Female Rural Urban
Of the above, Small/Marginal Farmers 6340
Population 72598 37613 34985 52538 20060
Agricultural Labourers 12192
Scheduled Caste 11342 5909 5433 8268 3074
Workers engaged in Household Industries
959
Scheduled Tribe 15317 7719 7598 14277 1040
Workers engaged in Allied Agro-activities
Literate 43827 28991 14836 NA NA
Other workers 8578
BPL 23406 NA NA 19095 4310
8. HOUSEHOLDS [in '000]
9. HOUSEHOLD AMENITIES [Nos. in '000 Households]
Total Households (2011) 14967
Having brick/stone/concrete houses
6823 Having electricity supply
10044
Rural Households (2011) 11122
Having source of drinking water 14667 Having independent toilets
4313
BPL Households (2001) 4620
Having access to banking services 6475 Having radio/TV sets 6988
10. VILLAGE-LEVEL INFRASTRUCTURE [Nos]
11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos]
Villages Electrified 35910
Anganwadis 78929 Dispensaries 1595
Villages having Agriculture Power Supply
36089
Primary Health Centres 1156 Hospitals 50
Villages having Post Offices 8459
Primary Health Sub-Centres 8774 Hospital Beds 26997
Villages having Banking Facilities 21717
12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE
Villages having Primary Schools 41887
Fertiliser/Seed/Pesticide Outlets [Nos]
246 Agriculture Pumpsets[Nos]
1910000
Villages having Primary Health Centres 5035
Total N/P/K Consumption [MT] 1062/750/80 Pumpsets Energised 1550000
15
Villages having Potable Water Supply 51383
Certified Seeds Supplied [MT] 301000 Agro Service Centres 9270
Villages connected with Paved Approach Roads
21830
Pesticides Consumed [MT] Soil Testing Centres 75
13. IRRIGATION COVERAGE [Ha]
Agriculture Tractors [Nos] 280000 Plantation nurseries 307
Total Area Available for Irrigation (NIA + Fallow)
11290
Power Tillers [Nos] Farmers' Clubs 8124
Irrigation Potential Created
Threshers/Cutters [Nos] KVKs 49
Net Irrigated Area(Area irrigated at least once) 7880 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING
Area irrigated by Canals / Channels 1368
Rural/Urban Mandi/Haat [Nos] 517 Wholesale Market 244
Area irrigated by Wells 5476
Length of Pucca Road [Km] 45100 Godown [Nos] 3183
Area irrigated by Tanks 227
Length of Railway Line [Km] 4948 Godown Capacity[MT]
5029318
Area irrigated by Other Sources 1149
Public Transport Vehicle [Nos] 7352 Cold Storage [Nos] 197
Irrigation Potential Utilized (GIA) 7880 Goods Transport Vehicle [Nos] Cold Store Capacity 808052
15. AGRO-PROCESSING UNITS 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS
Type of Processing Activity Units (No.) Cap.[MT]
Crop 2009-10 2010-11
Avg. Yield [kg/ha]
Food (Rice/Flour/Dal/Oil) 395 -
Area ('000
Prod (000 MT) Area
('000 ha) Prod (000
MT) Sugarcane (Gur/Khandsari/Sugar)
19 -
Paddy 1703 2280 1602 1772 1226
Fruit (Pulp/Juice/Fruit drink) 4 -
Wheat 5260 14544 4571 9046 2400
Spices (Masala Powders/Pastes)
14 -
Maize 860 1287 830 1315 1540
Dry-fruit (Cashew/Almond/Raisins)
1 -
Pulses 4764 3713 5162 3386 715
Cotton (Spinning/Weaving) 23 -
Gram 2621 2845 3112 2686 965
Milk (Chilling/Processing) 84 -
Oilseeds 7206 7897 7029 8035 1119
Meat (Chicken/Mutton/Dry fish)
1 -
Sugarcane 90 196 65 266 2981
Animal feed (AH/Fishmeal) 10 -
Cotton 647 1209 650 1055 1746
17. ANIMAL POPULATION AS PER CENSUS 2003 [in '000]
18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES
Category of animal Total Male Female
Veterinary Hospitals/Dispensaries [Nos] '677/1744 Animal Markets [Nos] 306
Cattle - Cross bred 475 98 377 Disease Diagnostic Centres [Nos] 65 Milk Collection Centres 25
Cattle - Indigenous 21441 10193 11248
Artificial Insemination Centers 3018 Fishermen Societies 1980
Buffaloes 9129 1592 7537 Animal Breeding Farms [Nos] 11 Fish seed farms 61
Sheep - Cross bred 8 NA NA Animal Husbandry Tng Centres 3 Fish Markets [Nos] 227
Sheep - Indigenous 382 NA NA Dairy Cooperative Societies [Nos] 6580 Poultry hatcheries '1/9
Goat 9014 NA NA Improved Fodder Farms [Nos] 12 Slaughter houses 136
Pig - Cross bred 16 NA NA 19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY
Pig - Indigenous 177 NA NA Fish Production [MT] 75400 Per cap avail. [gm/day]
Horse/Donkey/Camel 54 NA NA Egg Production [Lakh Nos] 7981 Per cap avail. [nos/p.a.] 11
Poultry - Cross bred 7384 NA NA Milk Production ['000 MT] 8149 Per cap avail. [gm/day] 308
Poultry - Indigenous NA NA Meat Production [Lakh MT] 40 Per cap avail. [gm/day] 495
16
State Profile The State of Madhya Pradesh (MP), which acquired its name primarily because of its’ location, was formed on November 1, 1956 by merging the then states of Madhya Bharat, Vindhya Pradesh and the princely state of Bhopal on the recommendation of State Reorganization Committee. Further, on 1st November 2000, with the enactment of Madhya Pradesh Reorganization Act, it was bifurcated to carve out a new state, viz. Chhattisgarh. 1.1 Administrative set-up Administratively the State is divided into 10 Divisions, 51 Districts, 318 Tehsils and 313 Community Development Blocks (including 89 tribal development blocks), 54903 villages (52117 inhabited villages) and 476 towns. It is one amongst the first States to implement the three-tier Panchayati Raj system and providing 50 % reservation to women in local bodies. The State has 51 Zila Panchayats, 313 Janpad Panchayats and 23,012 Village Panchayats and the urban area is covered by 14 Municipal Corporations, 97 Municipalities and 258 Nagar Panchayats (Parishads). 1.2 Physiography of MP State Madhya Pradesh lies between latitude 2106'and 26054'N and longitude 740 and 82047'E. It covers a geographical area of 308,245 sq.km which is 9.38% of the total area of the country. The State is land - locked and surrounded by States like Uttar Pradesh, Chhattisgarh, Andhra Pradesh, Maharashtra, Gujarat and Rajasthan. Most of the State lies on the tableland of Central India bounded by the Upper Gangetic plains in the north; the Godavari valley in the south; the plains of Gujarat in the west; and plateau of Bundelkhand and Chhattisgarh in the east. The State is traversed by the Vindhya, Satpura and Maikal hill ranges running east west. The highest (1350 meter) point is at Dhupgarh near Pachmarhi in Hoshangabad district. Most of the State has an elevation of between 305 to 610 m above MSL. Low-lying areas are in the narrow Narmada valley in the central southern parts. In general, the State stretches across a geographically elevated position. Based on its topography, the state is divided into the following natural regions :
Name of Natural regions
Districts Covered Other Features
1. Plateau of Malwa Guna, Rajgarh, Mandsaur, Jhabua, Dhar, Ratlam, Dewas, Ujjain, Sehore, Vidisha, Shajapur, Raisen and Sagar
Formed by the Deccan trap rocks
2. The Plateau of Central India
Morena, Bhind, Gwalior, Shivpuri, Sheopur, Guna and Mandsaur districts
Formed by the Vindhyan rock groups with the Deccan trap in the south and the Bundelkhand gneiss rocks in the east
3. The Plateau of Bundelkhand
Tikamgarh, Chhatarpur, Da tia, Gwalior and Shivpuri districts
The area consists of granite rocks of the Arabian era
4. The Plateau of Rewa and Panna
Damoh, Panna, Satna and Rewa districts
This is also known as Vindhyan plateau and lies to the northeast of the Bundelkhand plateau
5. The Narmada-Sone Valley
Mandla, Jabalpur, Hoshangabad, Raisen, East Nimar, West Nimar, Barwani, Harda, Dhar, Dewas and Partly Rewa, Shahdol, Umaria and Sidhi districts form the part of Sone valley.
It is drained by the Narmada and Sone rivers and extending from the northeast to west with an average height of 300m.
17
18
6. The Satpura and Maikal Region
The area includes Chhindwara, Betul, Seoni, Balaghat, Mandla and parts of Khandwa and Khargone districts.
The region south of Narmada Valley has an average height of only 300m though it contains the highest point in the State, the peak of Dhupgarh.
7. The Eastern Plateau
This region has a spread in the eastern districts of Madhya Pradesh, which is called Baghelkhand Plateau in Sidhi district.
In this region, the height of plateau varies from 400 to 1000m.
57.8 58.7
79.4 79.9 80.5 82.1
6065.5
Rural Urban Male Female
0
10
20
30
40
50
60
70
80
90
MP India
Literacy Rate in MP & All India Level(in % - Census 2011)
236
383
MP India
0
100
200
300
400
500
Population Density/ Sq.km. (2011)(Persons)
1.3 Demographic Scenario As per Census 2011, the State had a population of 725.98 lakh (6% of total population) as compared to 603.48 lakh (Census 2001) thereby registering a decadal growth of 20.3%. The State population has grown 1.87% per annum during 2001-11 against 1.64% per annum at National level. The urban population consists of 27.63 %( 200.60 lakh) and the rural population was 525.38 lakh (72.37%). Out of total population, 376.13 lakh (51.80%) were males and 349.85 lakh (48.20%) were females. The sex ratio for the State was 930, which was low as compared to 940 at the National level. Falling sex ratio among age group of 0-6 years is a major area of concern. As per 2011 Census, the population of Scheduled tribes was 113.42 lakh (20.3% of total State population). There are 46 recognized Scheduled Tribes and three of them viz. Bharia, Saheria, and Baigas have been identified as "Special Primitive Tribal Groups" in the State. The combined popu lation of scheduled castes and scheduled tribes is about 36.72% of the total population as against all India average of 25.2%. The demographic scenario in the State is still characterized by a very high birth rate and high death rate. In the year 2010, the crude birth rate was 27.3 as against the all India average of 22.1 whereas the crude death rate was 8.3 as against the all India average of 7.2. The Infant Mortality Rate at 62 is significantly higher than the all India average of 47 in 2010 and is highest in the country. Life expectancy in the State as per Sample Registration System (SRS) during 2006-07 was 62.5 years for males and 63.3 years for females as against 65.8 years and 68.1 years respectively, at the National level. The literacy rate in the State, as per 2011 census, was 70.6 percent as against 74.0 percent at the National level. 1.4. Dimensions of Poverty The incidence of poverty in Madhya Pradesh was one of the highest among the States of the country. Latest Poverty Estimates for 2009 -10, based on 66th Round NSS (2009-10), reveals that in Madhya Pradesh State overall poverty has declined by 11.9% from 48.6% in 2004-05 to 36.7% in 2009-10. The rural poverty declined by 11.6 % from 53.6% to 42.0% and urban poverty declined by 12.2% from 35.1% to 22.9%. The rate of decline of poverty in the state was higher than the National level. As per latest Planning Commission estimates (2011) based on a survey of household consumer expenditure, BPL population in the state was 31.6% of the total population as against the All India figures of 21.9%. The figures vary from 35.74% in rural areas to 21% in urban areas.
19
1.5 Occupation Structure As per 2011 Census, of the total 315.73 lakh workers 71.9% were main workers (those who work gainfully for more than 183 days in a year) and 28.1% were marginal workers. Work participation rate in the State was 42.7%, of which female participation rate was 37.2% which was much higher than all India average of 31.6%. Of the total workforce, 69.79% was dependent on agriculture {cultivators (31.18%) and agricultural laborers (38.62%)}. 1.6 Economic Development of the State During the year 2011-12, the Gross State Domestic Product (GSDP) increased by 11.81% over the previous year. The GSDP has registered a growth rate of 10.6% per annum against a targeted growth rate of 8.8 % in XI Five Year Plan. Primary sector which covers agriculture, animal husbandry, forest produce, fisheries, etc. contributed 26.81% in the Gross State Domestic Product (GSDP) during 2011-12. Agriculture and allied activities continued to be the mainstay of the State’s economy with about 74% of the total population dependent on it for their livelihood, although share of primary sector in the total GSDP has declined over the years. As per India Human Development Report, 2011, (prepared by Institute of Applied Manpower Research) Madhya Pradesh with HDI of 0.375 ranked 32nd among all Indian States & UTs and continued to lag behind in HDI and remains below the national average of 0.647. The infrastructure index for the State has improved from 75 in 2009 to 93 in 2010, (bench marked against 100 for all India). The per capita income of the state at constant prices ( at 2004-05 prices) increased from `15442 in 2004-05 to `26514 in the year 2012-13 showing an increase of 8.69% over previous year, while at the national level, it increased from `24143 to ` 39143 during the same period. MP can be classified as a low income State in the country along with Bihar, Orissa, Uttar Pradesh and Rajasthan. The gap in per capita income indicates disparity which needs to be addressed. Status of Agriculture in Madhya Pradesh 1.7 Agriculture and allied activities occupy an important place in the State economy. About 70 percent of total population is directly dependent on agriculture for its livelihood. The agriculture sector including animal husbandry has registered growth rate of 9% during XI Plan period. During 2011-12, total food-grains production in the State was 230.12 lakh metric tonnes and the productivity (8.03 qtls/ha) of Pulses was higher than the national average ( i.e. 6.99 qtls/ha). In recognition of its record contribution towards agriculture growth the state has received Krishi Karman Award from Govt of India consecutively for the years 2011-12 and 2012-13.
26.8
1
13.9
28.6
1
27
44.5
8
59.1
Primary Secondary Tertiary
0
10
20
30
40
50
60
70
MP India
Sectoral Composition of GSDP
(Year 2011-12)
20
1.8 Details of Agro-climatic Zones, Soil type and Rainfall Pattern
The state is divided into 11 Agro-climatic regions and major features of these regions are as under;
S. No.
Agro Climatic
Zone Soil type
Rainfall (mm)
Districts covered Crop
Region Suitability for Crop
Diversification
1 Chhattisgarh plains
Red & Yellow (Medium)
1200 to 1600
Balaghat. Paddy Region
Sericulture, Mixed Vegetables, Lac, Floriculture, Merigold, Chrysanthamum
2 Northern Hill Region of Chhattisgarh
Red & Yellow Medium black &
skeletal (Medium /light)
1200 to 1600
Shahdol, Mandla, Dindori, Anuppur, Singrauli, Umaria
Paddy Region
Rainfed Horticulture, Organic farming, Turmeric, Lac cultivation
3 Kymore Plateau & Satpura Hills
Mixed red and black soils (Medium)
1000 to 1400
Rewa, Satna, Panna, Jabalpur, Seoni, Katni, Sidhi
Wheat - Paddy Region
Floriculture, Mango, Guava, Fruits cultivation, Potato, Peas, Spices
4 Central Narmada Valley
Deep black (deep)
1200 to 1600
Narsinghpur, Hoshangabad, Sehore & Raisen (Partly)
Wheat Region
Famous for Sugarcane, Beetleleafs (Sohagpur),Tur Dal, Guava(Bawai), Tomato, Sem, Water melon
5 Vindhya Plateau
Medium black & deep black (Medium /
Heavy)
1200 to 1400
Bhopal, Sagar, Damoh, Vidisha, Raisen, Sehore (except Budni Teh.), Guna(Partly).
Wheat Region
Mango, Pomegranate, Spices like chillies, Ajwain, turmeric, Coriander, Gram, Vegetables, Fruit production
6 Gird Region Alluvial (Light) 800 to 1000 Gwalior, Bhind, Morena, Sheopur-Kala, Shivpuri, (except Pichore, Karera, Narwar, Khania- dana Teh.), Guna (except Aron, Raghogarh, Chachoda Tehsil), Ashoknagar
Wheat – Jowar Region
Famous for Oilseeds like Til, Groundnut, etc, Binaganj Madi – famous for Dhaniya
7 Bundelkhand Mixed red and black (Medium)
800 to 1400 Chhattarpur, Datia, Tikamgarh, & Shivpuri (Partly)
Wheat – Jowar Region
Til, Turmeric, Ginger, Singhada, beetleleaf
8 Satpura Plateau
Shallow black (Medium)
1000 to 1200
Betul and Chhindwara Wheat – Jowar Region
Orange, Cotton, Floriculture, Maize, Ginger, Groundnut, Mushroom
9 Malwa Plateau
Medium black (Medium)
800 to 1200 Mandsaur, Neemuch, Ratlam, Ujjain, Dewas, Indore, Shajapur, Rajgarh and Dhar (Partly) Jhabua (Partly)
Cotton-Jowar Region
Oranges, grapes, Chiku, Chillies, Potato Wheat, papaya, Onion and agri-export zone
10 Nimar Plains Medium black (Medium)
800 to 1000 Khandwa, Burhanpur, Khargone, Barwani, Harda, Dhar (Partly)
Cotton-Jowar Region
Chiku, Pomegranate, Chillies, Banana, Papaya, Groundnut, Arandi
11 Jhabua Hills Medium black skeletal (Light / Medium)
800 to1000 Jhabua and Dhar (Partly)
Jowar-Cotton Region
Tomato, Pomegranate, Aonla, Potatao, Maize, Arandi, Honey, Organic farming
21
1.9 Land Utilisation Pattern The State has a geographical area of about 308 lakh hectare. During 2010-11, the Net Sown Area was 152.23 lakh hectares, 13.28 lakh hectare area was under permanent pastures and under miscellaneous tree crops. Another 10.72 lakh hectare was fallow land and 10.56 lakh ha was cultivable waste land. Area not available for cultivation was 34.24 lakh ha, which is either barren or uncultivable land, or land put to non agricultural uses. The area under notified forests was 86.21 lakh ha in 2010-11. 1.10 Forests Madhya Pradesh has the largest forest cover in the country. According to the Forest Department estimate, the reserved forest constitutes 65.4% of total forest area of the state while protected forests accounts for 32.8% of total forest area. The forests are the main source of supply of fodder and fuel for rural and tribal population in the state. In addition, these forests serve as a source of income for the tribal population in the form of minor forest produce and other plants of medicinal values which are being collected by them. The Government is actively trying to conserve the forests through joint forest management with active community participation. 1.11 Land Holdings Pattern As per latest agriculture census (2010-11), total land holdings in the State increased from 79.08 lakh in 2005-06 to 88.72 lakh in 2010-11. The average size of land holding in MP declined from 2.02 ha in 2005-06 to 1.78 ha in 2010-11 as against all India average of 1.16 ha. Marginal & small farmers account for more than two thirds (71%) and hold around one third (34%) of total area. Category wise Average Size of Land Holdings (2010-11) – In ha.
MF (upto 1 ha)
SF (1 to 2 ha.)
Semi Med. (2 to 4 ha.)
Medium (4 to 10 ha.)
Large (Above 10 ha.)
Overall
MP 0.49 1.42 2.73 5.76 15.77 1.78
All India 0.38 1.42 2.73 5.76 17.37 1.16
1.12 Irrigation Water is a critical resource for supporting life and sustaining overall development in the State. The surface water availability is contributed by ten major river basins - Chambal, Betwa, Sindh, and Ken basins in the north, Sone and Tons river basins in the east, Benganga basin in south and Narmada, Mahi and Tapti basins in the center and west. The estimated annual surface water run-off is about 81523 million cubic meter in MP. Out of this, the water available for use is around 56857 million cubic meter which is 69.74 % of total available surface water. The Net Irrigated Area (NIA) of the State witnessed 10.36%
NSA49.5%
Forest Area
28.0%
Pastures4.3%
Fallow land
3.5%
Culturable Wasteland
3.5%
Not avvailable For Cultivation
11.1%
Land Use Pattern in MP (%) -2010-11
0.8
1.53
1.22
1.78
SC ST
0
0.5
1
1.5
2
MP India
Av Size of Land Holdings Of SC & ST Category (2011)
22
growth as it increased from 71.40 lakh ha in 2010-11 to 78.80 lakh ha in 2011-12. The NIA constituted 52.47% of the NSA during 2011-12. The major sources of irrigation are Wells & Tube-wells (65%), canals (17%) and remaining 17 percent is being contributed by other sources. The ultimate irrigation potential of the state from surface and ground water is expected to be 60.9 lakh Ha. and 52 lakh ha., respectively. Wh en the above potential is harnessed, the percentage of irrigation to NSA would be 76.80%. To address the judicious and improved methods / technologies for harnessing maximum benefits from available water resources and to enhance crop productivity without affecting soil health, a new scheme viz. "State Micro Irrigation Mission" was started during 2012-13 by the State Govt. 1.13 Agriculture Input Efforts are being taken to increase the seed replacement ratio to 100% in the state by increasing the seed production and distribution. During 2011-12, 30.09 lakh quintals (Kharif and Rabi) of certified seeds were distributed in the State. During the year 2012-13, till November 2012, 17.65 lakh quintals were already distributed. Fertiliser consumption in the State was 18.92 lakh metric tonnes. During 2011-12, the average fertiliser consumption in MP was only 88.36 Kg/ha as against all India average of 144.33 Kg/ha. The distribution of seeds, fertilisers, pesticides in the State is mainly through the Primary Agricultural Credit Societies (4526). The seeds are also marketed directly by the private dealers. Oilfed and Mandi Samities have also started supplying fertilisers, seeds, etc. 1.14. Agriculture Credit GLC flow in agriculture increased from `10612.00 crore in 2007-08 to `31651 crore in 2012-13 thereby showing a compounded annual growth rate of 26.65 percent. Commercial banks and Cooperative banks recorded a growth rate of 21.65%% and 39.73%, respectively. A disaggregated analysis of agriculture credit on agency wise basis indicated that the share of commercial banks increased from 51.71% in 2007-08 to 54 % in 2012-13 whereas the share of Cooperative banks was 32.7% in 2012-13. As on 31 March 2013, as many as 76.23 lakh KCCs were issued covering 86% of total land holdings. 1.15. Horticulture Status During 2009-10, fruits and vegetable production was 28.64 lakh MT and 31.13 lakh MT respectively in the state as detailed below :
Area (In '000 Hectares) & Production (In '000 Tonnes) Fruits Vegetables Flowers Spices
A
P
A
P
A
P A P
Loose Cut
MP 113.1 2864 250.7 3112.6 6.6 5 NA 197.1 236.3All India 6329.2 71515.5 8011.7 134103.8 182.9 1020.6 66671.4 2463.7 4016 (A - Area, P - Production)
During 2009-10, the share of MP state in fruit production is estimated at 4.00% and Vegetable production the share was 2.32%.
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1.16 Animal Husbandry Livestock production is an alternative income generation activity for the farmers of Madhya Pradesh. Livestock development is particularly encouraged in the State as it ensures sustenance of rural population living below poverty line, availability of livestock products for masses, self-reliance of female population of villages, organic manures for agriculture etc. Livestock population of the State as per 2007 census was 40.6 million comprising 21.9 million cattle, 9.1 million buffaloes, 9.38 million sheep & goat besides 7.38 million poultry birds. Livestock sector contributes about 12.5% in State GDP. The State accounts for 14% of total cattle population and 11% of total milk production in the country. Malvi, Nimari, Kenkatha cattle, Bhadawari buffalo, Jamnapari, Barbari goats, Kadaknath chicken are the animal breeds of the state. 1.17 Industrial Status Madhya Pradesh has enormous potential for industrial development due to abundance of natural resources. There are over 26 industrial development centers and more than 575 heavy and medium industries in the state. There are 4.54 lakh small scale industrial units in the state. MP ranks first in cement production in India. The number of registered factories which was 8,352 in 2005 has increased to 9998 in 2011. The average daily employment in factories during 2005 was 3.91 lakh and has increased to 4.74 lakh in 2011. Rural enterprises accounted for 74.45% while remaining 25.55% were urban enterprises. The rich natural resources, central location and peaceful industrial climate are the number of advantages for the industrialists to set up their units in the state. The state has a tremendous potential for faster industrial growth due to investor friendly industrial policy under which a number of incentives and facilities such as single window clearing system are being provided. New industrial areas have been planned specially along the North South corridor to promote food processing industries. The Global Investors Meet 2012 has yielded encouraging response with signing of 1018 MOUs with likely investment of `356555 crore. The State is actively working to realise the committed investment through its investor friendly policies and processes. 1.18 Warehousing & Cold Storage Capacity in MP State A capacity of 108 lakh MT has been created in the state and the share of private sector is about 64%. MP Warehousing and Logistic Corporation (MPWLC) has announced MP Warehousing Policy 2012 for further creation of capacity in the State. In addition to this, the State has 122 cold Storages with a capacity of 7.123 lakh. Out of 122 cold storages, 18 are in cooperative sector and are having capacity of 1.053 lakh MT.
Agency name 2012-13 (in MT)
Agency name 2012-13 (in MT) MPWLC 11.86 LVS 4
CWC 4.56 OILFED 2.07
MARKFED 5.43 MP AGRO 0.31
FCI 3.29 NAFED 0.15
MANDI BOARD 2.62 Pvt warehouse 69.08
Coop Society 4.63 Total 108
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1.19 Power Supply Power sector plays a crucial role in enhancing the growth of all social and economic sectors of economy. The State is treating Power Sector as one of the priority sectors to strengthen agriculture and industrial base of the state. The total installed capacity available during the year 2011-12 was 9452.8 MW. The installed capacity of Madhya Pradesh Power Generation Company as on 31.3.2012 is 3724.7 MW comprising 2807.5 MW Thermal and 917.2 MW State hydel projects. In addition, the State has a share of 2426.5 MW from hydel projects in joint venture and 2940.3 MW in the Central Sector Projects. Apart from the above, the State has installed capacity of 361 MW from Private and Non-conventional sources. During the year 2011-12, 42931 million units of electricity was produced of which 31.4% electricity was used for Agricultural purposes. The extent of rural electrification is around 71% in the State. 1.20 Roads Roads play an important role in development especially industry and business. The road density of state was 640.1 kms/ 1000 sq. kms against national average of 1153 kms/ 1000 sq. Kms (2010-11). As per Basic Road Statistics of India, the total road length of National Highways, as on 31st March 2011, in the country was 70934 km, of which the state had 5027 km of national highways accounting for 7 percent of total highways of the country. 1.21 Health To achieve the goal of “Health for all” as per National Health Policy, the State is working for development of the three-tier health infrastructure facilities. At present, the State has 50 District Hospitals, 333 Community Health Centres, 1156 Primary Health Centres, 56 Urban Civil Hospitals, 96 Civil Dispensaries, 313 Rural and 96 Urban Family Welfare Centres, 7 T-B Hospitals and 8860 Sub-health Centres, along with facilities of Indian System of Medicine. 1.22 Minerals The State is amongst the top eight mineral rich States of the country and has bright prospects of exploring hidden mineral resources with the use of new and emerging technologies. There is good scope for setting up mineral based industries in the state, so that value addition can be made to the minerals produced in the state. In mineral production the state ranks fourth after Jharkhand, Chhattisgarh and Orissa. Madhya Pradesh is the only state of the country producing diamond. Madhya Pradesh ranks first in the production of diamonds, pyrophyllite, copper ore and manganese ore, second in the production of diaspore, shale, fireclay, rock phosphate, and third in the production of limestone, and ochre. The State contributed 4.9% in the total mineral production value (based on value, excluding oil and natural gas) of the country, during 2010 -11. The state contributed 26.7% of the total coal production of the country during 2010-11. Our state ranks second in cement production. The State earned `3115.93 crores as royalty from minerals in 2011-12.
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1.23 Implementtaion of MNREGA The scheme introduced on 02 February 2006 is being implemented in all the 51 districts of the State with an objective of providing employment to the adult member of the rural family for 100 days on demand during each financial year. As on 31 December 2012, 120.0 lakh Job cards were issued and 25.43 lakh families got employment. As against a budget allocation of `2485.07 crore, an amount of ` 1837.58 crore was spent as on 31.12.2012. 1.24 Critical matters related to State MP was the first State in the Country to present a separate agriculture budget in 2011-12. The State, through its three Agriculture Universities and 47 KVKs, is making efforts to focus on agricultural research and education, extension and post harvest technology and other linkages to make agriculture vibrant and viable. The following broad areas have been identified which require policy initiatives and major interventions.
l The share of term loans in Agriculture credit was 15% in the State as against 28% at National level. Emphasis should be given by banks in financing term loans under agriculture sector.
l One of the problems faced by the State, like many other States in the country, is the problem of fragmentation of land as evidenced by the increasing number of small land holdings in the State. Low cost farm mechanization or Agro Service Centres for Small & Marginal Farmers may be promoted to overcome the problems of labour shortage or higher wages during harvesting periods.State Govt has already taken initiative in this direction.
l Districts having lower CD ratio (<n 40%) are a matter of concern and it needs to be enhanced.
l A huge potential exists for group formation and their credit linkage in the State. Hence, lending to SHGs/ JLGs by banks is to be taken as a business opportunities and accordingly bank staff should be sensitised.
l Wide gap in existing yield and potential yield of major crops and low productivity of milch animals has been observed.
l Immediate challenge is to diversify the activities that include shifting of workers to non-agriculture sector for improving the livelihoods of poor workers.
l Lack of information about new market opportunities has restricted the participation of the private sector or constrained micro-entrepreneurs to continue catering to declining market segments.
l The consumptive use of ground water and surface water is required in the State to increase the area under irrigation. In addition to this, it is important to bridge the gap between irrigation potential created and utilized and provide commensurate investments in command area development. Irrigation efficiency of created potential needs to be enhanced.
l Provision of post harvest infrastructure especially for horticulture products to improve income of farmers is required to reduce post harvest losses.
l Environmental sustainability is a global issue to be addressed and remains a very crucial issue for Madhya Pradesh also.
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CHAPTER 2 FINANCIAL SECTOR DEVELOPMENT
27
Banking Profile The financial sector comprises of all the wholesale, retail, formal and informal institutions in an economy offering financial services to consumers, businesses and other financial institutions. The intermediation role provided by the financial institutions enables the financial sector to mobilise savings for investment, facilitate and encourage inflows of capital and optimise the allocation of capital between competing uses ensuring that the capital goes to its most productive use. Various financial institutions including banks in Madhya Pradesh play a significant role in development of agriculture sector and industrialization of the State. Despite the perceptible progress made so far, the demand for all the services including savings, credit, insurance, old age pension and remittances has been increasing. The task is challenging and all the stake holders have major and critical roles to play. All the stakeholders, therefore, have to scale up their level of operations, strike new partnerships and strengthen existing ones, invest in training and skill building of their staff as also the constituent clients and form a grand alliance of all those working in the sector to share ideas, best practices, lower costs and achieve excellence in quality of services. 2.1 Branch Network
At present the State is having 37 Commercial Banks (CBs), 03 Regional Rural Banks (RRBs), 1 State Cooperative Bank (MPSCB), 38 District Central Cooperative Banks (DCCBs), 4523 Primary Agriculture Credit Societies (PACS), 1 State Cooperative Agriculture and Rural Development Bank (MPSCARDB) and 38 District Cooperative Agriculture and Rural Development Banks (DCARDBs). Of the total 5733 bank branches, 2445 branches (43%) were in rural areas and 1766 branches (30.80%) were situated in semi-urban areas. The branch network in the State increased from 5733 in 2011-12 to 5949 in 2012-13 improving the per branch population from 12663 in 2011-12 to 12203 in 2012-13. 2.2 Highlights of the Performance of the Banks (2012-13)
Deposits The aggregate deposits of all banks in the State stood at ` 220689.43 crore as on 31 March 2013 as compared to ` 180871.44 crore as on 31 March 2012, recording a growth of 22.01%. The shares of Commercial banks, RRBs and Cooperatives in the total deposits were `194031.33 crore (87.92%), `12699.47 crore (5.75%) and `13958.63 crore (6.33%) respectively. The growth rate of deposits of the CBs (23.05%) was better as compared to that of the RRBs (14.26%) and the Cooperatives (15.59%). The average per branch deposits of CBs as on 31 March 2013 were ` 52.24 crore as compared to ` 16.68 crore for DCCBs and `11.21 crore for RRBs. The area wise composition of deposits indicates that 11.69% of the total deposits was contributed by rural areas, whereas 25.12% by semi-urban areas and 63.20% by urban areas. Loans Outstanding The total loans outstanding as on 31 March 2013 for all agencies together were `139329.84 crore as against `113291.17 crore as on 31 March 2012 registering an increase of 22.98% during the year.
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2.3 Performance under Annual Credit Plan (ACP) – 2012-13 As against the target of `42338.21 crore under the Annual Credit Plan for the State during the year 2012-13, the achievement was `40562.56 crore, recording an achievement of 96%. The banks disbursed an amount of `31650.93 crore against the target of `32091.82 crore (99% achievement), to the primary sector showing an increase of 3% in percentage achievement when compared to 2011-12. However, declining achievement in ATL is a matter of concern. l The achievement under crop loans was to the tune of 116%, despite the drought
conditions that prevailed during the year. l Achievements were not upto the desired level in the secondary (88%) and tertiary
(85%) sectors during 2012-13. There was a decline in the teriary sector achievements from `4324.24 crore in 2011-12 to `3593.42 crore in 2012-13. Agency-wise analysis of targets and achievements shows that RRBs and Cooperative Banks surpassed their overall priority sector targets whereas the Commercial Banks could not achieve their targets fully.
2.4 Credit Deposit (CD) Ratio l The overall CD ratio in the State was 63% as on 31 March 2013, as against the
national average of 74.4%. Reasons for lower CD ratio could be attributed to various factors like recurring droughts and the other natural calamities, sizeable amount of deposits (on account of Bundelkhand Package etc.), low level of SHG financing, lesser industrialization, subsistence farming etc.
l The low CD ratio of Commercial Banks and RRBs in the State at 59% and 54% respectively, as at the end of March 2013 was a cause for concern.
l The CD ratio of RRBs (54%) and that of cooperative banks (130%) has been increasing during the last three years.
2.5 Performance against norms set out by RBI to fulfill National Goals:
Particulars RBI
norm (%)
State Performance (%) as on 31 March
2011 31 March
2012 31 March
2013
Advances o/s to Priority sector 40 62 60 57
Advances o/s to agriculture
18 30 30 31
Advances o/s to Weaker sections
10 13 12 11
The banks in the State registered good achievement under RBI performance benchmarks. The Cooperative Banks, however, fell short of ach ieving Benchmark targets under lending to weaker sections with 5.63% achievements against 10% stipulation.
2.6 Development of Rural Banking Sector In a bid to bring about professionalism in cooperatives, NABARD has taken the initiative to bring the Cooperative Banks onto the Core Banking Solutions (CBS) platform and subsequently make them RTGS/NEFT compliant. Accordingly, all the 887 branches of Apex Bank and 38 DCCBs in MP have gone live and are on CBS platform.
29
Madhya Pradesh is the first State in the country to have launched the RTGS/NEFT in NABARD initiated CBS Project. The facility under sub-membership of Central Bank of India has become functional with effect from 23 August 2013 and at present MPSCB and 24 DCCBs have become RTGS/NEFT compliant.
2.7 Health of Rural Financial Institutions -Agency-wise Analysis (a) Commercial Banks - There are 37 Commercial banks (both Public and Private sector) operating in the State. As on 31 March 2013, these banks with their network of 3714 branches (2320 branches in rural and semi-urban areas) continued to cater to the banking needs of the people of Madhya Pradesh. The important financial parameters of these banks are furnished in table:
Particulars 2010-11 2011-12 % increase/
decrease over 2010-11
2012-13 % increase/
decrease over 2011-12
No. of branches 3278 3511 233 (No.) 3714 203 (No)
CD Ratio (%) 61 60 -1 59 -1
Deposits (` lakh) 13073463 15768069 20.61% 19403133 23.05%
Advances( ` lakh) 7994760 9425244 17.89% 11437804 21.35%
Priority Sector Advances (` lakh)
4375863 (55%)
5007484 (53%)
14.43% 6295899
(55%) 25.73%
Agri. Advances (` lakh)
1826855 (23%)
2245903 (24%)
22.93% 2806378
(25%) 24.95%
Concerns The deposits have grown by 23.05% and advances by 21.35% resulting in a decline in CD ratio by 1%. This is a cause of concern. Further, Priority Sector Advances to total advances is less than 40% in respect of Corporation Bank, Dena Bank, IDBI, United Bank of India, all subsidiaries of SBI, IOB and Private Banks like, Laxmi Vilas Bank, Federal Bank Ltd, Karur and Axis Bank. It ranges from 11% to 34% in respect of these banks. These banks need to take specific steps to achieve their PSA targets. In respect of some of the major banks viz. Bank of Baroda, Indian Bank, IOB, United Bank of India, etc., the agricultural advances outstanding were less than the minimum stipulated norms of 18% (ranging from 3 to 16%).
(b) Regional Rural Banks (RRBs) – As on 31 March 2013, there were 3 RRBs operating in the State with a branch net work of 1132 branches (1039 branches in rural/ semi-urban):
( ̀ lakh)
Particulars 2010-11 2011-12 % increase/
decrease 2012-13
% increase/ decrease
No. of branches 1098 1122 24 (Nos) 1132 10(Nos) Owned funds 62507.38 74525.73 19.22% 80739.27 8.34%
Deposits 1012234 1111482 9.80% 1270550.16 14.31% Borrowings 139360.86 157941.34 13.33% 154034.38 -2.44% Investments 364391.25 392729.05 7.78% 319434.79 -18.66%
Advances 528686 587017 11.03% 684070.70 16.53% Net Profit 6676.08 6388.36 -4.30% 8824.26 38.13%
Accumulated Losses 4644.80 3998.98 -646.82 0 -3998.98 Gross NPA (%) 7.70 7.14 -0.56 9.44 2.30% CD Ratio (%) 52 53 1 53.84 0.84
Recovery (%) 76 80.98 4.98 81.93 0.95
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As may be observed from the above table, all the three RRBs in the State are financially strong. Their advances portfolio has increased by 16.53% in 2012-13 as compared to 11.03% in 2011-12. Similarly, the deposits of the RRBs grew at the rate of 14.31% as compared to 9.80% growth registered during 2011-12. Concerns Gross NPAs of all the RRBs taken together are 9.44% which is considered to be high. The RRBs should take proper NPA management and special recovery drives to contain the NPAs. The CD ratio of the RRBs though has increased but it is still lower than the prescribed norm of 60%. Amalgamation of RRBs As per the policy of Government of India, MOF, Department of Financial Services, the eight RRBs in the state were amalgamated into three RRBs. While the Satpura Narmada Kshetriya Gramin Bank, Vidisha Bhopal Kshetriya Gramin Bank and Mahakoushal Kshetriya Gramin Bank were amalgamated into a new RRB viz. Central Madhya Pradesh Gramin Bank (CMPGB, sponsored by Central Bank of India with its headquarters at Chhindwara), three other RRBs viz. Madhya Bharat Gramin Bank, Sharda Gramin Bank and Rewa Sidhi Gramin Bank were amalgamated into a new RRB viz. Madhyanchal Gramin Bank (sponsored by State Bank of India and headquarters at Sagar). Similarly, Narmada Malwa Gramin Bank and Jhabua Dhar Kshetriya Gramin Bank were amalgamated into Narmada Jhabua Gramin Bank (Sponsored by Bank of India and headquarters at Indore). (c ) Cooperative Banks : Short Term Cooperative Credit Structure (STCCS) The STCCS consists of Madhya Pradesh Rajya Sahakari Bank Maryadit, Bhopal (MPStCB) operating as Apex Level Institution in the State, 38 District Central Cooperative Banks (DCCBs) operating at the district level and 4556 Primary Agricultural Credit Societies (PACS) operating at the grass root level. With the successful implementation of Vaidyanathan Committee-I Package in the State, the STCCS in the State is playing an important role in purveying credit in rural areas. The Important financial parameters of the STCCS are furnished in the following table:
(` lakh)
Particulars MPSCB DCCBs (38)
2010-11 2011-12 2012-13 2009-10 2010-11 2011-12
No. of branches 20 20 23 820 824 829
Owned funds
66992.00 75687.00 (12.98%)
85526.31 (13%)
204651.60 220609.96
(7.79%) 252843.14 (14.61%)
Deposits
343220.00 387879.00
(13%) 460060.85 (18.81%)
725679.47 853448.93
(%) 953568.66
(%)
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Borrowings
236055.00 334682.00
(41.78%) 500000.00
(49.40%) 210900.52
299328.67
(%) 391806.97
(%)
Investments
276560.00 308117.00
(11.41%) 365000.00
(18.46%) 413114.32
4786683.32
(%) 587014.56
(%)
Advances
327147.00 452905.00
(38.44%) 634067.00
(40%) 600975.52
725904.76
(%) 865136.57
(%)
Net Profit
4034.00 6399.00
(58.63%)
8500.00
(32.83%) 13456.58
19345.66
(-9%)
18082.07
(6%)
Accumulated Loss
25148.47
12397.04
5445.59
Gross NPA (%)
3.21
1.48
1.07
24.84
19.01
16.65
CD Ratio (%)
95.31
116.76
137.82
82.82
85.05
90.73
Recovery (%)
97.26
97.43
98.00
67.81
69.97
73.01
CRAR (%)
10.45
9.58
-3.85 to 41.39
-0.28 to 20.46
0 to 25.49
Note: Figures in brackets show % growth over previous year
l Madhya Pradesh is the first state of the country where all the (38) DCCBs have
been issued licence by RBI.
l MPSCB and all the 38 DCCBs in the State are making profit. However, eight DCCBs
viz., Mandla, Datia, Gwalior, Shivpuri, Rewa, Satna, Tikamgarh and Ujjain DCCBs have accumulated losses as on 31.03.2012. The accumulated losses range from `
45.78 lakh (Ujjain) to ` 3846.80 lakh (Rewa DCCB)
l As on 30 June 2013, the recovery of Apex Bank was 98% and in respect of DCCBs as a whole it was around 73% (as on 30.06.2012). Recovery of nine DCCBs is less than 50% and is therefore a matter of concern.
l As on 31 March 2013, the CRAR of Apex Bank was 9.58% and that of DCCBs (as on 31.03.2012) ranged from 0% (Balaghat, Jabalpur, Bhind, Datia, Dhar, Sehore, Sagar, Damoh and Chhatarpur DCCBs) to 25.49% (Shajapur DCCB).
Primary Agricultural Cooperative Societies ( PACS)
PACS are grass root level credit institutions of STCCS. They have a sizable membership with a total of 63.43 lakh members. The PACS are resource poor, have weak finances and are heavily dependent on higher tiers. However, after recapitalization under revival Package, the financial health of these grass root level institutions is improving and they are expected to extend more credit to member farmers.
2010-11 2011-12
Total Number of PACS 4526 4526
Total Members 6774373 6343188
Borrowing membership 3748905 43356225
Percentage of borrowing membership 55% 68%
Loan Issued (` Lakh) 584561.74 747701.51
Growth 27.9%
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(d) Long Term Cooperative Credit Structure (LTCCS) The financial health of the LTCCS is in critical situation and is not in position to cater to the long term needs of the rural populace resulting in strain on other rural financial institutions. Therefore, drastic steps need to be taken to revive the structure. 2.8 FINANCIAL INCLUSION 2.8.1. Various financial services have to be made available to the hitherto excluded segment of the society, in order to achieve the goal of the Government of bringing about an ‘inclusive growth’. Thus, Financial Inclusion has been one of the top agenda of the Government since the year 2005. With the active support of the various stakeholders such as the banks, NGOs and the machinery of the Central and State Governments, NABARD and RBI have initiated a number of measures in order to achieve the goal of total financial inclusion. 2.8.2. Status of Financial Inclusion in the Madhya Pradesh. Out of the total of 54,903 villages in the State, 50,396 villages have been identified as unbanked. With a view to providing the population of the villages with basic banking services, in the first phase, 2,736 villages with a population of more than 2,000, were identified and allocated amongst the commercial banks and RRBs. Basic banking services in these villages have been extended through various modes such as opening of regular branches, ultra small branches, banking correspondents/facilitators, mobile vans etc. The status of coverage under the first phase is as under. Status of financial inclusion in >2,000 population villages
(as on 30 Sept. 2013)
Sr. No. Particulars Number
1 Total number of identified villages for FI 2,736
2 Villages covered by regular branches 35
3 Villages covered by Ultra Small Branches (USB) 387
4 Villages covered by BC/BF 1936
5 Villages covered by other modes 378
6 Total number of villages covered by banking facility 2,736
(Source :SLBC )
The second phase of the programme aims to cover the remaining 47,660 villages having a population of less than 2,000. Financial Inclusion Plans have been prepared by all the CBs and RRBs for implementation over a three year period upto 2015-16. Simultaneously, intensive coverage, in the form of various bankin g services, such as provision of OD facilities, extension of credit through KCC, GCC, and ICT based transactions; enabling DBT etc are also being done in all the unbanked villages. The status of implementation of the financial inclusion plan in the less than 2,000 population villages is as under:
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Status of financial inclusion in <2,000 population villages
(as on 30 Sept. 2013)
Sr. No. Particulars No. of Villages
1 Villages covered by regular branches 4436
2 Villages covered by USB 2085
3 Villages covered by BC/BF 4539
4 Villages covered by other modes 192
Total 11252
(Source :SLBC)
2.8.3 Concept of Samvridhi This concept of Samvridhi has been evolved as the MP model of financial inclusion. The model considers distance criteria or geographical area for coverage instead of population approach for providing banking outlets. It is holistic approach that aims at convergence of different welfare and benefit schemes for the purpose of delivery of benefits to family as a unit. The villages identified under the distance criteria are called ‘shadow villages. They represent a group of villages (from among the identified unbanked villages) falling within a radius of 5Km from an existing bank branch that needs to be covered on a priority. Accordingly, 14,767 villages have been identified as falling under the shadow village concept and have been allocated amongst all banks for early coverage. The status of coverage of the shadow villages is as under: Status of coverage of Shadow Villages (as on Nov 2013)
Agency Coverage target Achievement
Public Sector CBs 9,137 1,359
Private Sector Banks 54 101
RRBs 5,576 307
Total 14,767 1,767
(Source :UBI)
2.8.4. NABARD’s initiative to support Financial Inclusion: The Financial Inclusion Fund (FIF) and the Financial Inclusion Technology Fund (FITF) have been set up in NABARD, with contributions from NABARD, RBI and the GoI to facilitate implementation of the FIPs of the banks. While the FIF is basically used for spreading awareness and literacy about the financial matters amongst the targeted population, the FITF is used for introducing technology for achieving the overall goal of total financial inclusion. In a nutshell, assistance is available out of the above to the following agencies:
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(a) Assistance available to Cooperatives and RRBs: l Organising financial literacy camps - maximum of `10,000 per programme l Setting up of financial literacy centres - maximum of `5 lakh per centre - RRBs
may establish 1 FLC per district and Coop may establish 1 FLC per block l Publicity material on financial literacy. l Mobile vans for demonstration of banking technology - `10 lakh per van l Setting up of micro ATMs/ POS terminals -`25,000 per device l Operational cost of ATMs for Cooperative Banks for three years @ Rs.580/ - p.m. l Issue of RuPay KCC -`25/- per card l Issue of RuPay debit cards -`25/- per card issued in FIP villages. l All the above assistance is available to Cooperative Banks at 90% and to RRBs at
80% of the project cost. (b) Assistance available to Commercial banks and NGOs: l Organising financial literacy camps with grant support upto 60% of project cost
subject to a max of `10,000 per camp for commercial banks. l Publicity material on financial literacy for commercial banks l Organising financial literacy camps through NGOs with a max of `7,200/- per
programme. l A sum of `150 lakh was spent by NABARD during the year 2012-13 for purposes
such as conduct of 2300 financial literacy camps through NGOs, RRBs and CBs, printing of publicity material by banks, publicity through radio and supply of 200 POS terminals. For the year 2013-14 a disbursement target of Rs.670 lakh has been set, against which sanctions have been accorded for various projects worth Rs.250 lakh. As all the 38 DCCBs in the State have switched over to the CBS mode, they are also expected to play a major role, especially regarding issue of RuPay KCCs to all its existing KCC farmers as well as the potential new farmers. The Apex bank is in the process of negotiating a common sponsor commercial bank for all the DCCBs, as well as finalising a common accounting system. This will ensure hassle free, seamless, anytime and anywhere banking by the farmers of the state. .
2.8.5. Direct Benefit Transfer (DBT) Six districts of Harda, Khandwa, Hosangabad, Bhopal, Burhanpur and Jabalpur have been identified in two phases in the State for implementation of the DBT (cash) scheme. The DBT (LPG) scheme is implemented in Indore, Shajapur and Mandsur districts in addition to the above six districts where the DBT (cash) scheme is being implemented. Under this scheme, bank accounts are opened for the beneficiaries of various Government subsidy/welfare schemes and are linked with Aadhaar numbers, so as to facilitate direct credit of the subsidy/welfare amount into their bank accounts. Position as on 31 December 2013
Sr. No.
District No. of Panchayats
No. of villages
No. of Schemes
No. of Beneficiaries in the dist.
No. of accounts opened
AADHAAR seeded into
accounts DBT Phase – 1 1 Khandwa 422 711 12 27160 17714 7438
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2 Harda 211 568 10 16674 15561 10016
3 Hosangabad 428 953 11 34282 32494 17924 DBT Phase – 2
Bhopal 194 505 1 663 663 196
Burhanpur 167 267 3 11207 5299 5299 Jabalpur 542 1457 14 88370 17423 5085 (Source – SLBC)
2.8.6. Pilot Project on SHGs as Banking Correspondents In order to hasten the process of implementation of the financial inclusion plans, NABARD has been endorsing the use of the SHG members, federations of SHGs and the Farmers Clubs to act as BCs. NABARD is in the process of launching a pilot project to test the success of this project. Preparations are in an advanced stage in preparing a project to be implemented in the Sanwer block of Indore district, in association with the GIZ, NJGB and an NGO - Priya Sakhi. In the first phase of the project, 6 villages will be covered through 6 ‘Bank Sakhis’, who will be specially trained for this purpose. The second phase of the project will expand to 30 villages, covering a population of 9,000. 2.8.7. The Road Ahead l A study of the FIP implementation by the banks over the past few years, has
thrown open certain issues, which need to be addressed. l The performance of banks in implementing their FIPs needs to be discussed in
greater detail in all the meetings of the DCC and BLBC at the district and block levels.
l The funds available with NABARD for the purpose of the financial inclusion need to be utilised by all the stakeholders. More proposals from Commercial banks, RRBs and Cooperative banks are invited for all the eligible purposes.
l The financial literacy awareness camps being conducted by the banks and NGOs should be more result oriented. The end use of the camps should result in opening of more number of new bank accounts as well as increase in transactions among the existing account holders.
l There is no perceptible increase in the number of transactions through BCs, especially that for issue of KCC, GCC, OD facilities, term deposits, remittances and other services
2.9 Micro Credit
The Self Help Group (SHG) movement has made rapid strides in India over the last two decades and it has become a household name as a result of the multi-pronged benefits to the poor. The programme has also emerged as a common vehicle of development process, converging all the development programmes. It has also been realized that the promotion and bank linking of SHGs is an alternative mechanism for overall arrangement for providing financial services to the poor in a sustainable manner and also an empowerment process for the members of these SHGs. The physical and financial outreach of the programme as on 31 March 2013 has been quite impressive in as much as there are more than 73 lakh savings linked SHGs and more than 44 lakh SHGs credit linked covering 95 million lakh poor households in the country with a credit flow of over `28038 crore.
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2.9.1 SHG-Bank Linkage Programme in Madhya Pradesh– Progress during 2012-13 The Self Help movement, unlike in Southern States, did not gather momentum in Madhya Pradesh and is yet to get deep-rooted in terms of promotion & credit linkage. As on 31 March 2013, there were 2.97 lakh SHGs in existence in Madhya Pradesh of which 1.23 lakh groups were credit linked with the Banks. The overall share of Madhya Pradesh in the all India stock of SHGs is only 4.06 %. However, as a result of strategies formulated by NABARD and participation of stakeholders for widening the network and deepening the penetration of the programme in the State. There has been a steady growth of the programme in recent past. The number of new SHGs savings linked and credit linked by banks during the year 2012-13 were 83651 and 34,450 respectively. 2.9.2 Micro Finance Profile in Madhya Pradesh A conducive atmosphere for the spread of microfinance has been created in the State. Many NGOs/ SHPIs have been promoting Self Help Groups. Most of the major Commercial Banks as also the Regional Rural Banks are playing the role of “Credit Purveyor” to SHGs. The promotion and linkage of SHGs under DPIP, a nd Tejaswini Programmes of Women and Child Development Department (WCDD) of the State Government is significantly contributing to the SHG Bank Linkage programme. The Micro Finance Profile of the State is as follows:
Table
Sr. No.
Particulars Unit Cum. as on 31.3.2012
During 2012-13
Cum. as on 31.03.2013
1 No. of SHGs savings linked No. 214111 83651 297762
2 No. of SHGs credit linked (new and repeat Groups)
No. 89030 34450 123480
3 Amount of Bank loan availed (`.crore)
Crore 653.56 310.61 964.17
4 No of families covered under the programme (lakh)
lakh 0.36 0.14 0.5
5 Percentage of women SHGs % About 90% - 90.00%
6 Average loan per SHG (`.lakh) during 2012-13
lakh 0.73 0.9 0.78
The number of SHGs savings linked has shown an upward trend with 0.84 lakh savings linked during the year 2012-13 as compared to 60,303 groups during 2011-12. The amount of credit to SHGs during the said period went up from ` 95.44 crore to ` 310.61 crore. However, the average loan per SHG has fallen from ` 1.09 lakh during 2011-12 to ` 0.90 lakh during 2012-13, as the number of SHGs credit linked during the year 2012-13 showed a remarkable increase (i.e. No. of SHGs credit linked during 2012-13 is 34450 as against 8751 groups during previous year.)
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2.10. Role of Stakeholders 2.10.1 Government of India (GoI) Taking cognizance of the importance of SHG-Bank linkage in ensuring inclusive growth, GoI has been attaching utmost importance to the programme, as has been evident through Union Budget announcement every year. Union Government in its budget announcement has indicated that the plan outlay of Women and Child Development Department would be stepped up by almost 50%. As indicated by Union Government in its budget announcement for 2011-12, fifty lakh new SHGs have to be formed and credit linked in the next five years in the country. Further, the Government has identified 150 districts in the country as either backward or Left Wing Extremism (LWE) affected district and has advised the Lead Banks in the district to form and credit link Women SHGs with the help of Anchor NGO for faster integration of rural poor into the mainstream. A scheme for interest subvention for the SHGs promoted under NRLM, Women SHGs in identified 150 Districts and NRLM compliant women SHGs in remaining districts has been introduced by GOI during 2012-13.
2.10.2 Reserve Bank of India (RBI)
RBI through its policy announcements have made the environment conducive for banks to participate in a big way in the programme. Loans granted by banks to such SHGs engaged in agriculture and allied activities are classified as direct finance to agriculture, if banks maintain disaggregated data on SHG/micro credit portfolio. Further, small amounts not exceeding ` 50,000 per borrower, either directly or indirectly through SHG/ JLG mechanism or to NBFC/ MFI for on-lending upto ` 50,000/- per borrower will constitute micro-credit. In order to address the difficulties faced by SHGs in complying with KYC norms while opening savings bank accounts and credit linking of their accounts, RBI has simplified the norms & has directed banks that KYC verification of all the members need not be done while opening the SB account and KYC verification of all office bearers will suffice. Also no separate KYC verification of the members is necessary for credit linkage.
2.10.3 Government of Madhya Pradesh:
In Madhya Pradesh the State Government through its Tejaswini, Madhya Pradesh Rural Livelihood Project (MPRLP) and Madhya Pradesh District Poverty Initiative Project (MPDPIP) continued its mission of empowering rural poor women in selected districts through its various Programmes. The above institutions had facilitated promotion of about more than 1 lakh SHGs as on 31 March 2013. After launching of National Rural Livelihood Mission ( NRLM) replacing SGSY w.e.f. 01 April 2013, extensive training, capacity building and skill building is underway with financial support from NRLM. The SRLM (Ajeevika) has identified 25 districts as intensive and 26 districts as non-intensive for implementation of project in the state. It is expected that through phased implementation NRLM will reach all the districts at the end of XII Five Year Plan. Women SHGs will only be promoted and beneficiaries will be identified through participatory involvement process (PIP). There is no provision for capital subsidy and SHGs will be eligible for interest subvention up to loan of ` 3 lakh. Further the SHGs will be provided an additional 3% subvention on prompt repayment of loan under NRLM.
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2.11 SHG- Bank Linkage Programme - Focus Areas during 2013-14
(i) Revival of dormant SHGs: The thrust during year 2013-14 is on the sustainability of the existing groups. NABARD has introduced incentive scheme for tracking and revival of dormant SHGs for Commercial Banks, RRBs and Cooperative Banks on a pilot basis. The banks may identify dormant SHGs in its books and engage the services of NGOs for revival of dormant SHGs. NABARD would provide promotional grant assistance upto `.3000 per SHG revived as incentive to banks.
(ii) Addressing regional imbalances: While all the 51 districts of MP have been covered under SHG-Bank Linkage Programme, there is wide regional disparity in programme implementation as indicated below :
S No Particulars Details
1 Districts where the SHG are saturated (7 Districts)
Khandwa, Raisen, Jabalpur, Neemuch, Dindori, Ratlam, Mandla
2 Districts where SHG coverage ratio is 50 to 100% (18 Districts )
Sehore,Seoni, Khargone, Chhatrapur, Bhopal, Vidisha, Tikamgarh, Anuppur, Ashoknagar, Chindwara, Katni, Gwalior,Indore,Ujjain, Panna, Dewas Mandsaur & Shivpuri
3 Districts where SHG coverage ratio is 25 to 50% (11 Districts)
Hoshangabad, Rajgarh, Sheopur, Datia, Shajapur, Agar, Satna, Bhind, Guna, Dhar & Burhanpur.
4 District where SHG coverage ratio is less than 25 (15 Districts)
Singrauli, Damoh, Rewa, Morena, Sidhi, Sagar, Jhabua, Narsinghpur, Barwani, Shahdol, Alirajpur, Balaghat, Betul, Umaria & Harda
Based on the spread of SHGs districts have been categorized in Madhya Pradesh as saturated, moderate / medium coverage and low coverage. Concentration would be on districts with low coverage followed by moderate districts. NABARD’s support to SHPI partners will focus on districts with low spread
(iii) Quantum of Loan: Increase in per group loan to SHG across all agencies to be focused.
(iv) Capacity Building: Support for various capacity building initiatives of the bank personnel, NGOs, Members of SHG will be provided.
(v) Income Generation Activities (IGAs): Encourage SHGs to prepare a Micro Credit Plan along with their loan application covering their requirements of loan for Income Generation Activities (IGAs), liquidate high cost debt and social needs to avoid under financing.
(vi) Intensification of SHG BLP –Non Participation of Rural and Semi Urban Bank Branches: It is a matter of concern that even after implementation of SHG Bank linkage for last two decades, there are a sizeable number of semi urban and rural branches which are not participating in SHG Bank linkage programme although the programme has proved to be one of the profitable banking proposition under priority sector lending. The banks may identify the non-participating branches and allot targets to such branches invoking their participation in the programme.
(vii) Address the issue of multiple memberships/ multiple financing, maintenance of quality would be the key to sustenance of SHGs. Further, an ongoing mechanism of grading by banks will also help addressing the issues like growing NPAs etc.
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2.12 SHG-II
Even though the basic tenets of the SHGs being savings led credit product remain true even today, many recent developments require crucial changes in the approach and design of SHG-BLP to make it more flexible and client friendly. With a view to enabling financing banks to respond to the changing requirements of members of the SHGs, NABARD has suggested the guidelines of SHG-2, vide circular No. 65(A) dated 27 March 2012, which has been circulated among all CBs / RRBs & SCBs. Major issues contained therein include the following:
l Voluntary savings in addition to compulsory savings l CC Limit / OD facility to SHGs l Enabling JLGs within SHGs l Building second tier institutions l Improving risk mitigation systems l Training requirements of bank personnel
As per GoI instructions, all the existing SHG loans should be converted into Cash Credit limit. Further, banks may assess the training requirements of their personnel and submit a proposal to NABARD for arranging bank specific training programme.
2.13 Projections for 2014-15
R O has assessed the potential of SHGs formation in the State and based on the potential mapping the projections for the next three years have been worked out as under :
S. No Particulars Nos.
1 Total potential for SHGs based on rural population /poor & marginally poor families
530981
2 Total No of SHGs existing 297762
3 Balance SHGs that can be promoted and savings linked
233219
NABARD has prepared a road map for promotion of SHGs in the State for tapping the balance potential over a period of three years. During the year 2013-14 & 2014-15, as many as 1 lakh SHGs are to be promoted every year and remaining in the year 2015 – 16.
2.14 Promotion of Women SHGs in 9 Districts of MP:
The GoI supported Women SHG programme for Backward/Left wing affected districts is under implementation in 09 identified districts viz. Rewa, Balaghat, Seoni, Shahdol, Mandla, Dindori, Umaria, Anuppur and Sidhi. NABARD has sanctioned 33 projects involving grant of `992.5 lakhs for promotion and credit linkage of 9925 WSHG in these districts. Grant assistance of `128.60 lakh has been released to the nodal agencies so far based on the progress made under the project. As against the target of promotion of 9925 WSHGs, about 6200 WSHGs are promoted, 5614 SB linked and 650 credit linked as on 31 December 2013.
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2.15 Joint Liability Groups (JLGs)
Just as the SHG-BLP spearheaded by NABARD has proved to be successful in providing access to financial services from formal banking sector to millions of rural poor, more pa rticularly women, NABARD has launched the scheme for promotion of Joint Liability Groups (JLGs) to develop effective credit products for small/ marginal/ tenant farmers/ oral lessees and sharecroppers as also entrepreneurs engaged in various NFS activities. The essential feature of JLG is that it is a informal group comprising of 4-10 individuals coming together for purpose of availing loan on individual basis or through group mechanism against mutual guarantee. Generally, members of a JLG would engage in a similar type of activity in agriculture/ Non farm sector. The JLG concept would ensure that the Joint Liability Agreement and peer pressure in the group serves as security for loan repayment. To facilitate promotion of JLGs, banks/ group promoting institutions are eligible for incentive from NABARD. Incentives will be extended for formation, nurturing and credit linking/ financing of JLGs over a period of 3years @ ` 2000/- per JLG. During the year 2012-13 and 2013-14, NABARD sanctioned 4 and 2 JLGPI projects respectively for formation and linkage of about 1000 JLGs in the State through NGOs and Banks.
2.15.1 JLG- Goals and Strategy for the year 2014-15
It is targeted to promote and credit link about 15000 JLGs in the State during 2013-14 against which 6181 JLGs have been promoted with loan amount of `16007.82 lakh as on 31 December 2013. During the year 2014-15, the focus will be on expansion of the programme and keeping in view the vast potential and with a view to meeting the credit needs of the mid-segment clientele, a goal of financing of 25000 JLGs has been proposed.
2.16 SHG Bank Linkage/ JLG - Issues for Action
The following issues need to be addressed by all concerned in order to upscale SHG-Bank Linkage and JLG programme in the state.
l Opening of SB accounts in the names of SHGs/JLGs when approached by the NGOs/SHGs immediately by banks may be ensured.
l Opening SB accounts in respect of SHGs already formed may be expedited. l Minimum Time in credit linkage to SHGs by banks to be ensured. The quantum of
credit may also be commensurate with the quantum of group funds. l The banks to act in tandem with NRLM for extending the benefits like interest
subvention etc to NRLM compliant women SHGs. l The average credit disbursed by banks in the state is only `1.09 lakh per SHG as
against the national average of `1.44 lakh per SHG. l SHPIs and banks may encourage the income generating activities during credit
linkage. l Various training programmes conducted and funded by NABARD as well as the
other partner agencies like DPIP, NRLM and Tejaswini may be made use for capacity building of groups.
l Group leaders and SHG members have to be trained in book keeping record maintenance.
l All related stakeholders need to be trained on SHG Bank Linkage Programme.
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l Maintenance of data bank and proper information flow to NABARD and RBI are of prime importance. The MIS of banks and the departments of government need to be strengthened so that timely and accurate data flow is maintained.
l The progress in implementation of the scheme to be reviewed at the block level in BLBCs and at the district level in DLCCs and DLRCs more seriously.
l The state government may consider extending more benefits to the SHGs and JLGs like providing assistance under various welfare schemes of the government such as Rural Housing, PDS business, providing land for storage godowns, etc.
2.17 Land Reforms
2.17.1 Legal Framework of Land Rights : Land reforms involves the changing of laws, regulations or customs regarding land ownership. Land reform may consist of a government-initiated or government-backed property redistribution, generally of agricultural land. Land reform can, therefore, refer to transfer of ownership from the more powerful to the less powerful such as from a relatively small number of wealthy owners with extensive land holdings to individual ownership by those who work the land. Such transfers of ownership may be with or without compensation; compensation may vary from token amounts to the full value of the land. Land reform may also entail the transfer of land from individual ownership, even peasant ownership in small holdings, to government-owned collective farms; it has also, in other times and places, referred to the exact opposite: division of government-owned collective farms into small holdings. The common characteristic of all land reforms, however, is modification or replacement of existing institutional arrangements governing possession and use of land. Thus, while land reform may be radical in nature, such as through large-scale transfers of land from one group to another, it can also be less dramatic, such as regulatory reforms aimed at improving land administration. Three types of land reforms were enacted in Madhya Pradesh viz. Abolition of intermediaries, regulation of land holding size and tenancy reforms. Tenancy reforms were of three kinds, namely i) Regulation of rent, ii) Security of tenure and iii) Ownership rights to tenants. In the Tenancy Act, the rent was restricted not to exceed one-fifth to one-fourth of the total produce. The other initiatives taken by State Govt are given in subsequent paras.
a. The Madhya Pradesh Land Revenue Code 1959
The revenue code brought about uniformity in the revenue system by formulating a common code of revenue system. It provides for only one class of tenure holders of land from the state. A bhumiswami has the right of transfer and also the right to mortgage his land. The code also protects the rights of the sub-tenants who are given the status of occupancy tenants. The right to the intermediary’ estates were vested with the government. Apart from land, such transfer included tanks, ponds, water channels, wastelands, community land, village forest, mines, minerals etc.
b. Scheduled Castes Forest Displacement (Van Vya vsthapan ) Scheme
Under this scheme all encroachment of forest land made before 1976 were regularized and the encroachers were given the benefit of other development schemes on a priority basis. The Madhya Pradesh government also initiated the Tree Patta Scheme under which the landless agricultural labourers were given pattas to raise trees in government land.
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c. Ownership of Land - Joint pattas
There has been a demand for land rights for women in Madhya Pradesh since 2002. Land distribution in the names of women in the form of joint ownership has emerged as an important issue among the adivasis. The government has agreed to issue joint pattas in the names of husband and wife. In addition to the above the GoMP has also enacted a number of laws relating to land and property for empowering women like Legal equality through amendment in inheritance laws, Progressive land distribution laws, Forest use and management laws.
2.17.2 Need for further reforms
Given the vast inequalities in land ownership and control, there is an urgent need for more reforms by the State government. A new and comprehensive agenda of land reforms can be visualised, encompassing
l Redistribution of surplus land l Security and fair terms of tenancy l Land use reform based on watershed approach l Land-record reform in tribal areas and l Common property access reform 2.18 Computerisation of Land Records and On Line Access
GoMP has prepared the largest database of land records in the country which is known as Bhu- Abhilekh. It aims at facilitating delivery of citizen services as well as computerisation of land record management. The prime objective was to make entry of legacy data and to create a repository of ownership and land use information for generation of periodic reports, including a copy of the Record of Rights (ROR), Khatauni etc. to the land owners through the computerized system. The land records of all revenue villages have been computerized, which are updated on a regular basis with the facility of automatic weekly backups. Thirty five million Khasra (Plot/Survey) numbers comprising of eleven million landowners have been computerized. Online Access of Bhuabhilekh can be done by visiting http:/www.landrecords.mp.gov.in
2.19 Modified KCC scheme
Based on the recommendations of the working group set up by GoI, the Modified KCC Scheme has come into effect from 1st April 2012. The revised KCC Scheme aims at providing adequate and timely credit support from the banking system under a single window to the farmers for their cultivation and other needs like a) To meet the short term credit requirements for cultivation of crops, b) Post harvest expenses, c) Produce Marketing loan, d) Consumption requirements of farmer household, e) Working capital for maintenance of farm assets and activities allied to agriculture, viz. dairy animals, inland fishery etc. and f) Investment credit requirement for agriculture and allied activities like pumpsets, sprayers, dairy animals etc. The salient features of the modified KCC scheme are as under.
l Kisan Credit Card to be made into a RuPay KCC/ Smart Card Cum Debit Card l Assessment of crop loan component based on the scale of finance for the crop X
Extent of area cultivated plus insurance premium + 10% of the limit towards post-harvest/household / consumption requirement + 20% of limit towards maintenance expenses of farm assets.
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l The short term component of the KCC limit is in the nature of revolving cash credit facility. There will be no restriction in number of debit and credits. Disbursement of drawing limit for the current season / year could be allowed through various delivery channels, including channels like ATM/ PoS / Mobile handsets.
l Banks may determine the validity period of KCC and its periodic review. l For crop loans, no separate margin need to be insisted as the margin is in-built in
scale of finance. For term loans, margin may be determined by banks. l Repayment period be fixed by banks as per the anticipated harvesting and
marketing period for the crops for which a loan has been granted. l Interest subvention / incentive for prompt repayment to farmers to be available as
per the Government of India / or State Government norms. Processing fee may be decided by banks.
l One time documentation at the time of first availment and there after simple declaration. (about crops raised / proposed) by farmer.
l KCC cum SB account instead of farmers having two separate accounts. The credit balance in KCC cum SB account to be allowed to fetch interest at saving bank rate.
l Besides the mandatory crop insurance, the KCC holder should have the option to take the benefit of Assets Insurance, Personal Accident Insurance Scheme (PAIS) and Health Insurance and have the premium paid through his KCC account. Necessary premium to be paid on the basis of agreed ratio between bank and farmer to the insurance companies. For Life cover of the farmers, banks may use the Group Term Insurance policies of LIC already in vogue. Farmer beneficiaries should be made aware of the insurance cover available and their consent (except crop insurance which is mandatory) obtained at the application stage itself.
l It would be mandatory for the banks offering KCC facility to send the crop insurance premia to Agricultural Insurance Company Limited (AICL) and other premia to such other Insurance companies on time. For crop insurance purpose, partitioning of KCC limit for Kharif and Rabi seasons to be done.
2.20 Policy Initiatives
Government of India, Government of MP, Reserve Bank of India and NABARD have been taking a number of policy measures for the development of agriculture and rural sectors and accelerating credit flow. The important policy initiatives are given below:
2.20.1 Govt of India
The important policy initiatives announced by GOI in the budget for the year 2013-14, among others, include firming up a target of agri credit of `7 lakh crore for the year 2013-14, continuation of interest subvention scheme in 2013-14 and its extension to borrowing of crop loans from private sector commercial banks, allocation of Rs.500 crore for crop diversification, setting up of National livestock Mission, India’s first Women’s Bank to be set up, all public sector banks to have ATMs in their branch areas by March 2014, Post offices to be part of CBS, provision of `.800 crore for generation of incentives based wind energy, Rashtriya Krishi Vikas Yojana and National Food Security Mission provided `9954 crore and 2250 crore respectively, Increased allocation of `5387 crore for integrated watershed programme, matching equity grants to registered Farmer Producers’ Organizations up to `.10 lakh, 3000 km road projects in five states including MP to be awarded, provision of Rs.5000 crore for NABARD for agri storage facilities, Rs.6000 crore for Rural Housing Funds, target of skill training of 50 million people in XII FYP, roll out of Direct Benefits Transfer and coverage of all households under comprehensive financial inclusion programme etc.
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2.20.2 Govt of Madhya Pradesh
The Government of Madhya Pradesh has also declared policies in budget announcements 2013-14 relating to agriculture and rural development that include adequate provision for development of irrigation facilities, state Micro Irrigation scheme, enhancement in power generation capacity, feeder separation scheme for 8 hrs electricity supply to farmers, provision of free electricity to for 5HP pumps (land upto 1 ha), provision of agricultural loans at 0 per cent to farmers availing loans from Cooperative Banks and prompt repayments, provision to establish custom hiring centres, provision for establishment and upgradation of veterinary hospitals, provision of veterinary doctors at door-step extended to 89 tribal blocks, provision for bonus on wheat procurement and provision for proper storage of wheat/rice, Provision of `4970 crore for construction and maintenance of roads, provision of `501 crore for Mukhya Mantri Gramin Sadak Yojana, provision of `4765 crores for irrigation schemes, scheme for conservation and development of ponds and lakes, fish farming, provision of `54 crore to benefit 50000 youths under a new scheme Mukhya Mantri Swarojgar Yojana, launching of “Samvruddhi” programme for Direct Benefit Transfer under various schemes in convergence with the Madhya Pradesh Model of Financial Inclusion based on “shadow village” concept for doorstep banking facilities, effort to develop IT Parks with investments by major players at Indore, promotion of solar energy and sustain the growth of agriculture are important initiatives to be taken into account while mapping the potentials linked credit plans.
2.20.3 Reserve Bank of India and NABARD
The Reserve Bank of India and NABARD policies relating to comprehensive financial inclusion for ensuring growth with equity focus of providing access to the banking services through expansion of banking network by means of brick and mortar branches, ultra small branches, Kiosk Banking and ICT based BC/BF models even now in the villages with less than 2000 population. The branch licensing policy requiring new private sector banks to open 25% branches in rural areas, switch over of RRBs to CBS Platform followed by Cooperatives banks in the State, issuance of Smart cards, conversion of all existing KCC accounts into RuPay KCCs coupled with revision of KCC guidelines all these initiatives are expected to change the face of rural banking leading to higher business levels for the banks. The spread of financial awareness through financial literacy centers and RSETIs set up / proposed by Banks at district levels would further supplement the growth. NABARD has been engaged in implementation of various developmental programmes like Producers’ Organizations, Wadi Development under Tribal Development Fund, Watershed Development Programmes and PACS as Multi Service Centres.
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13.26
8.29
12.16
5.31
9.09
379. 4.2
8
3.8
.554
10.46
Cereals Pulses Foodgrains Oilseeds Cotton
0
5
10
15
All India MP
Agril Growth Rate in XIth Plan
Chapter 3
NABARD’S DEVELOPMENT PERSPECTIVE FOR THE STATE
Agriculture Development Madhya Pradesh has made impressive strides on the agricultural front during the last decade. Policy support, production strategies, public investment in infrastructure particularly in irrigation, extension facilities, livestock and fisheries have significantly helped in increase food production and its availability. During the year 1999-2000 to 2012-13, the average growth rate of State GDP was 6.65% which varied between 4.80% in primary sector to 7.71 % in service sector. However, during Xth & XI plan the rate of growth of GSDP was 6.57% and 9.94%, respectively. Higher growth of State GDP in XI plan is mainly attributed to higher growth (7.95%) in agriculture sector. During the year 2012 -13, the state has achieved a growth rate of 13.36% in primary sector. Growth Rates of GSDP at Constant Prices (at 2004-05 Prices)
Sector 1999-2000 To
2012-13 X Plan Period
XI Plan Period 2012-13
Primary 4.80 7.40 7.95 13.36
Secondary 7.71 8.04 9.99 4.54
Tertiary 7.07 5.30 10.94 11.78
Total 6.65 6.57 9.94 10.02 (Source: MP Annual Plan 2013-14)
3.1. Emerging Trends The agriculture sector recorded satisfactory growth due to improved technology, irrigation, inputs and pricing policies. Livestock, poultry, fisheries and horticulture are surging ahead in production growth in recent years and will have greater demand in the future. A significant change has taken place between 1999-2000 and 2012-13 in the form of drop in share of primary sector in GSDP from 31.03% in 1999-00 to 26% in 2012-13. The share of primary sector in GSDP has shown declining trend from 2006-07 to 2010-11 but started increasing in 2011-12 and 2012-13. Despite the structural change, agriculture still remains a key sector, providing both employment and livelihood opportunities to more than 70 percent of the State's population who live in rural areas. The contribution of small farmers to the State and household food security has been steadily increasing. 3.2. Agriculture and allied activities occupy an important place in the state economy. Around 72.36 percent of state population lives in villages directly or indirectly dependent on agriculture for their livelihood. The major crops of the state are soyabean, paddy, cotton, maize, jowar (Kharif Season) and wheat, gram, lentil (Rabi season). The agriculture sector including animal husbandry had registered a growth 8.49 % during XI plan period. During 2011-12 and 2012-
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13, the growth is on year to year basis and the state was awarded Krishi Karman Award for achieving high level of production. In addition to this, the area under fruits and vegetable is also increasing at a higher rate. The state has improved ranking in total production of the country and same is furnished below;
Sr No. Name of Crops Rank of
MP State Sr
No. Name of
Crops Rank of MP
State
1 Gram 1st 8 Banana 6th
2 Soyabean 1st 9 Lemon 6th
3 Arhar 2nd 10 Potato 3rd
4 Rapeseed & Mustard 3rd 11 Peas 4th
5 Wheat 4th 12 Onion 5th
6 Guava 2nd 13 Spices 5th
7 Orange 2nd
3.3. Trend in area under Major crops in MP Area under foodgrains and oilseeds was increased by 2.76% per annum and it varied between 2.05% under cereals to 4.55% under Pulses. Area under wheat, gram and soyabean crops has shown an increasing trend and annual growth of 5.14%, 2.76% and 2.21% has been esimated under these crops.
Table: Area (‘000 ha) of Cereals, Pulses and Oilseeds in MP
Year Cereals Pulses Oilseeds Total 2007-08 7729.6 4400.6 6564.3 19396.6 2008-09 7636.1 4633.9 6714.5 19657.6
2009-10 7921.3 4794.7 6960.4 20352.1 2010-11 8060.3 5208.3 7032.2 20942.3
2011-12 8329.8 5185.3 7201.3 21432.9 CARG 2.05 4.55 2.34 2.66
3.4. Trend in Agriculture production : Major growth in XIth plan was observed in cereal crops (particularly in wheat production) and per annum growth rate in production of cereals, pulses, oilseeds and cotton is estimated at 13.26%, 8.29%, 5.31% and 9.09%, respectively in XI plan. The higher growth in production of wheat (16.24%), Gram(8.91%) and Soyabean (4.58%) was observed during 2007-08 to 2011-12.
Table: Production of Cereals, Pulses, Oilseeds etc in MP (Lakh MT) Year Cereals Pulses Foodgrains Oilseeds Cotton Sugarcane
2007-08 102.21 26.74 128.95 63.32 8.69 3.28
2008-09 110.5 37.1 147.6 71.34 8.55 2.39
2009-10 123.37 41.34 164.71 76.98 7.9 1.85
2010-11 132.5 33.96 166.46 80.35 10.55 2.67
2011-12 173.97 41.63 215.6 77.28 12.09 2.68
CARG 13.26 8.29 12.16 5.31 9.09 (-) 2.89
The agriculture growth in MP state is mainly attributed to increased irrigation facilties,
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seed improvement programme, fertiliser consumption and favourable rainfal. Due to increase in area under irrigation, cropping intensity has reached 144.87. The net irrigated area in the State including all sources was 78.80 lakh hectares during 2011-12, which accounted for 52.47 percent of the net area sown. During the XI plan, a target of 10.61 lakh hectares for creation of irrigation potential was kept out of which, 7.06 lakh hectares was created. 3.5. Horticulture Status in MP There are 11 Agro-climatic regions in Madhya Pradesh which is very helpful for Horticulture crops. In the year 2001-02, area under horticulture crops was 403 thousand hectare which has increased to 1301 thousand hectare registering the increase of 228% in 2012-13. 9.05% increase in area has been observed between 2011-12 and 2012-13. State still has tremendous scope to expand horticulture in state as area under horticulture crop as percentage of gross cropped area is still low and bringing cultivable waste land and fallow land under horticultural crops which was 3.7% and 3.8% of geographical area respectively. Vegetable crops are dominating with 42.12 percent of total area under horticulture crops and are followed by spice crops 39.17 percent and area under fruits crops is around 13.75 percent in 2011-12. 3.6. Animal Husbandry & Dairy Development in MP Madhya Pradesh accounts for 11% of total cattle population of the country and 8.67% of the buffaloes (Livestock Census 2007). During 2008-09, state share in total cow, buffalo and goat milk production in the country was 6.10%, 6.41% and 10.17%, respectively while the share in total population was 11%, 8.67% and 6.41%, respectively. This shows that the productivity of milk in case of goats is better than national average while in case of cows and buffaloes productivity is much lower to all India. The poultry birds in the state account for 1.1% of total poultry birds of the country in 2007 while in the production of eggs state share is 1.21% during 2008-09. The productivity of eggs is 91 eggs per bird per annum against country average of 86 eggs. The highest productivity of 344 eggs is observed in Punjab followed by 148 eggs in Andhra Pradesh which accounts for 32% of total country’s production.
Details of Milk, Egg, Wool and Meat production in MP in XIth Plan
Year Milk
(000 MT) Egg
(Million) Wool
(lakh. Kg) Meat
(000 MT)
2007-08 6572 974.7 4.01 36
2008-09 6855 671.3 3.81 34
2009-10 7167 707.5 3.7 36
2010-11 7514 757.7 3.72 37.6
2011-12 8149 798.1 4.1 39.7
CARG 5.35 (-) 2.74 1.00 1.03
3.7. VISION 2018 for MP - State Perspective - Strategic Initiatives proposed for Development Agriculture Agriculture has achieved high rates of growth in the recent past due to increased irrigation facilities. The challenge is to sustain the momentum and extending its outreach to the farmers who have not yet benefitted fully, and by opening up avenues for diversification, value addition, efficiency gains, enhancement of production &
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productivity. The strategies suggested in this regard are as under : l Expand the outreach of agriculture technology and irrigation (2 lakh ha/year)
to the remotest farms and promotion of farm-level diversification and value addition.
l Seed producing cooperative societies shall be strengthened to expand availability of high quality certified seeds and 20 storage and grading plants shall be established.
l Bring an additional 50 lakh ha of cultivable land under ridge & furrow method of Soyabean cultivation, an additional area of 4.8 lakh ha under SRI for improved paddy cultivation. To provide 25,000 Cono -weeders and 12,500 markers every year to farmers to promote line sowing and SRI.
l Introduce Geographical Information System/Remote Sensing (GIS/RS) based systems for soil and land use, watershed development, cropping systems, agriculture resources information and crop weather watch.
l Establish mechanized farming systems in 1,000 selected villages under the Yantra Doot scheme and to set up 100 new custom hiring centres annually by farmers and entrepreneurs to ensure widespread use of modern farm equipment.
l Every farmer shall have a soil health card for his fields. l Fallow and ravine lands shall be developed for cultivation and fodder
production. l Ensure efficient and timely access of credit to all farmers. l Primary Agriculture Credit Society (PACS) would be computerized and linked to
the Core Banking Solution of the Cooperative Banks. Irrigation Additional area (2 lakh ha/ year) will be brought under irrigation. Other activities like command area development, canal lining, electricity supply (10 hours/ day for irrigation), increase in micro-irrigation coverage, promotion of rain water harvesting and ground water recharge under the watershed development programme, construction of field channels (in 5 lakh ha.) , etc will also be taken for improving water use efficiency. A Water Regulatory Authority shall be est ablished to promote economic pricing and for increasing water use efficiency. Horticulture Promotion of high value horticultural crops shall be focussed upon by developing Horticulture corridors (Bhopal-Indore Corridor) and hubs (4) & clusters (around Jabalpur, Gwalior, Ratlam, Jhabua, Chindwara and Chattarpur). In this regard, effective backward linkages (supply of quality planting material, poly houses, upgradation of 100 new nurseries, setting up of 5 tissue culture laboratories) and forward linkages (collection centres, ripening chambers and integrated pack house, Cold Storages) will be developed. Around 25 Farmer Producer Organizations (FPOs) shall be established in identified horticulture clusters across the state. Organic Farming and Certification Integrated Nutrient Management of the soil with certification, branding and marketing arrangements shall be implemented for promoting organic farming. Application of certified bio-fertilizers shall be actively promoted to revive/ add to farm soil fertility. Post-Harvest Management and Market Linkages Storage (150 lakh MT) and cold chain facilities and marketing linkages for
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commercialization of agriculture sector will be strengthened. Food Processing Processing and value addition of agriculture and horticulture produce shall be promoted to ensure better unit price realization to the farmers. Animal Husbandry and Dairying Enhance production & productivity of livestock through improvement of animal health and introduction of improved livestock, organized modern dairying, livestock management practices and suitable technological intervention. The institutional coverage for artificial insemination will be increased from current level of 32% to 60% and for this private partnership will also be promoted. Non-functional DCSs (Dairy Co-operative Societies) will be rejuvenated and new DCSs will be formed to enhance coverage of marketing facility for milk producers. Automatic milk collection units will be established in DCSs which are procuring more than 500 litre of milk per day and electronic milko-testers will be provided to all such DCSs which have more than sixty members. Milk processing capacity will be doubled to handle more than 20 lakh liters of milk per day in the cooperative fold. Fisheries Increase fish production in the state from the current level of 85,000 MT to 1,45,000 MT. Strive to bring 100% of existing water area under fish cultivation. Sericulture Available natural resources and agro climatic conditions in Madhya Pradesh create immense possibilities for silk production. This will not only lead to sustainable utilization of natural resources but will also create self employment opportunities. Mulberry cocoon production will be increased from 10 lakh Kg to 20 lakh kg for increased mulberry silk production. About 4000 hectare additional land will be brought under mulberry cultivation. Five new potential mulberry clusters will be developed. Forest area under tasar cultivation will be increased from 25000 hectares to 40000 hectares. Inclusive Growth To achieve the objective of inclusive growth, programmes will be redesigned like capacity building for the disadvantaged groups, more coverage of SHGs network, introduction of market based solutions to promote economic activity, technical support for value addition and marketing assistance,etc. Roads All villages with all-weather roads will be connected and state highways will be developed. Entire 19,000 km major district road network to be upgraded in the next 5 years. Khet Sadak listed in nistarpatrak / wazibularz will be made into Gravel roads to be constructed as all-weather gravel roads. Power State will be power surplus and in the next 5 years, capacity available from long term conventional and non-conventional sources will be doubled and increased above 20000 MW. Present level of AT & C losses of 27.11% in distribution sector would be reduced to below 20%. Uninterrupted 24 hours power supply to domestic and commercial consumers by ensuring feeder separation wherever required.
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Renewable Energy Installed capacity of renewable energy will be increased. Demand for conventional energy shall be reduced by providing 60MW of solar off grid solutions to the state, 20 MW of water heating solutions, 20 MW of energy efficient appliances and 500 MW through energy conservation.
Promote social and agro forestry The nascent agro forestry initiative to promote production of timber, fuel wood and fodder on farmers’ land shall be expanded. The social forestry initiative shall be strengthened to reclaim and protect fallow lands and open spaces. Approach of XII Five Year Plan
l To achieve faster, sustainable and more inclusive growth, state has prepared XII Five Year Plan and an outlay of Rs 635150.00 lakh has been approved. The following broad targets have been envisaged in the XII FYP
l To achieve an overall growth rate of 12.0%. This is envisaged to be achieved through 9% growth in agriculture and allied sectors, 12.0% growth in industry and 13.75% growth in service sector.
l To reduce poverty levels from 36.7% o f 2009-10 to 15% 3.8. Development Initiatives of NABARD for Inclusive growth 3.8.1. Promotion of Farmers’ Club To create a favourable climate in villages for coordinating with banks for credit flow, forge better bank borrower relationship, interface with subject matter specialists, undertake socio economic development activities, etc farmers clubs are promoted by NABARD with the help of NGOs and Banks. Farmer clubs are involved in transfer of technology and development through credit. About 1500 Farmers club were promoted in 2012-13 taking the cumulative number to 9600 in the State. 3.8.2. Formation and Credit Linkage of SHGs and their capacity buildings With an objective of providing access to banking services either to unreached and excluded rural poor particularly rural women, SHGs are formed with the help of Self Help Promoting Institutions (like Banks, NGOs & VAs). The SHG Bank linkage programme pioneered by NABARD has emerged as World’s largest micro finance programme and an initiative of NABARD towards financia inclusion. 3.8.3. PACS as Multi Service Centre (MSC) NABARD is making efforts to develop PACS as MSCs with an objective to provide credit support for additional services like warehousing, transportation, etc to enable farmers to fetch better agricultural prices for their commodities. NABARD has extended credit support to the tune of Rs.11.38 crore to 110 PACS in year 2012-13. 3.8.4. Core Banking Solutions (CBS) in Cooperatives With an objective of bringing professionalism in cooperatives, NABARD has taken the initiative to place the Cooperative Banks into CBS fold. Accordingly, all 887 branches of MPSCB and 38 DCCBs have gone live on the CBS platform.
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3.8.5. Development of Wadi (Tribal development Fund)
Madhya Pradesh has about 21 percent of tribal population. In order to provide them a sustainable livelihood and avert the migration among them, NABARD has developed a wadi concept. Under this model, one acre land of tribal family is developed with for establishing plantation orchards on 100% grant support. Horticulture crops viz. Mango, Guava, Amla, Pomegranate, etc are provided for orchard development along with vegetable and spices cultivation as intercropping. In MP model of wadi, creeper vegetables and cash crops viz., turmeric and ginger are grown in two tier mandav system. Besides providing additional income to the families, it also ensures the nutritional security to tribal families. It is reported that wadi farmers earned an average income of ` 12500/- from vegetables, ` 50000-60000/- from spices. Besides, the farmers are expected to earn a minimum income of `1,00,000 per annum from sale of fruits after a period of 4-5 years. NABARD has so far supported 73 wadi projects for establishing 64522 Wadis in the State.
3.8.6. Watershed Development
Unpredictable variations in agricultural productivity in rain-fed areas coupled with increased biotic pressure on natural resources have led to an increasingly fragile ecosystem in the state. GoMP has been implementing the Rajiv Gandhi Watershed Mission (RGWM) in 30 lakh Ha, covering all the blocks with a grant assistance of Rs 1500 Cr committed by GOI. In MP, NABARD has sanctioned 12 watershed projects under Watershed Development Fund.
As there is substantial area under rain-fed farming, increasing wastelands and declining ground water table pose further challenges. The State is having vast scope for watershed development activities. This will have multiplier effect on long term private investment in agriculture and insure against drought- induced crop failure.
3.8.7. Implementation of RuPay KCC
In order to provide cashless ecosystem to the farmers in the post CBS era, it has been decided to convert all existing KCCs into RuPay KCCs for which funding support to RRBs and DCCBs is extended by NABARD. All the features of modified KCC scheme are being incorporated in RuPay KCC.
3.8.9. Formation of Women Self Help Groups : A special programme on women SHG promotion is under implementation by GoI in nine Backward/Left Wing Extremist affected districts (i.e. Rewa, Sidhi, Shahdol, Umaria, Anuppur, Dindori, Mandla, Balaghat and Seoni). NABARD has sanctioned grant assistance of around `15 crore to various agencies for formation of Self Help Groups (SHGs) of rural poor and also various capacity building programmes and workshops for the stakeholders. 3.8.10 Capital Investment Subsidy Schemes of Government of India With a view to encourage private investments in select sectors and also developing adequate linkages, Government of India had introduced several capital investment subsidy schemes through NABARD. Major ongoing schemes of GoI are as under
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Sr. No. Name of Schemes
1 Capital Investment Subsidy Scheme for construction/ renovation of Rural Godowns
2 Scheme for Devt/ Strengthening of Agricultural Marketing Infrastructure Grading & Standardisation
3 CISS Scheme for Establishment of Agriclinics and Agri- Business Centres (ACABC)
4 Dairy Enterprenuership Development Scheme (DEDS)
5 Central Sector Plan Scheme Venture capital scheme for Poultry
6 CLSS on Integrated Development of Small Ruminants and Rabbits
7 Jawaharlal Nehru National Solar Mission on renewable energy scheme
3.8.11. Other Development Programmes of NABARD
Name of the Programme
Objective Partner Inst. /
Agency Eligibility
Norms Assistance /
Support
Promotion of Joint Liability Groups of SF/ MF/ Tenant Farmers/Oral Lessees and Share Croppers under Farm Sector
To augment flow of credit to farmers and to serve as collateral substitute for loans provided to target groups
Banks/ NGOs/ Farmers’ Clubs, KVKs, ATMA, PRIs etc
4-10 individual coming together to avail bank loan on individual basis or Group mode against mutual guarantee
Grant assistance to Group Promoting Institutions for for formation and financing of JLG @ `.2000 per JLG over a period of 3 years.
Innovative Projects under Rural Innovation Fund
To promote innovative activities with poor in their focus, must be experimental and demonstrative in nature leading to replicability and commercial viability, improve productivity, reduce drudgery, enhance employment opportunities, reduce cost of production, etc.
Individuals, NGOs, CBOs, Cooperatives, SHGs, Farmers’ Clubs, Panchayat Raj Institutions, Universities, RIs, MFIs, not-for-profit companies, SMEs and other institutions
Projects, which are scalable/ replicable, benefit a large number of the rural poor, involve and can be grounded in less than 3 years.
Assistance in the form of grant/soft loan/ venture capital for a period of 3 years. Maximum grant `.30.00 lakh.
Umbrella Programme for Natural Resource Management (UPNRM)
To provide financial support for entire value chain of natural resource management from awareness creation to sustainable livelihood generation.
NGOs, CBOs, Co-operatives, banks, corporate, producers’ groups etc.
Relevant experience of working with the community and the activity
The assistance for the project would be mainly as loan. A need based grant component, not exceeding 15%, will be considered under the project.
Technology Facilitating Banks, Research Institutions Grant support up to
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Transfer under Farmers Technology Transfer Fund
disseminating & adoption of appropriate technologies (viz., SRI/SWI, augmenting productivity of lead crops, etc)
Institutions /SAUs/ KVKs, ATMA, NGOs/ Federation /Assn of Farmers Clubs, PACS, Farmers’ Clubs, Private Companies as part of CSR / Technology Providers in Rural Areas
working in the relevant area. Any activity undertaken should result in increase in farmers income through increased production, productivity, value addition, etc.
95% of project outlay for projects of duration 1-3 years
Research & Development
To support research projects & studies on subject of topical interest in economics, banking; national, international seminars, conferences, symposia, workshops; setting up NABARD chair units
SAUs/ KVKs, Reputed / recognised institutions, academic establishments developmental organisations etc.
The subject should have been of interest to NABARD & pertaining to agriculture, economics, banking etc.
Grants based on merits of each case.
Farm Innovation and Promotion Fund
To encourage innovative projects in the farm sector through grant / soft loan support
Institutions, agencies or individuals
Experience in the relevant field. Activities which are innovative, experimental and demonstrative in nature leading to commercial viability.
Grant / soft loan support for project implementation
3.8.12. Financial Inclusion FIF & FITF are used for ensuring access to timely and adequate credit and financial services by vulnerable groups at an affordable cost. Financial institutions, NGOs, MFIs, SHGs, Farmers’ Club, Technology Service Providers, Insurance Companies, Post Offices, etc. can avail the support under FIF & FITF.
l Eligible activities Financial Inclusion Fund (FIF)
(i) funding support for capacity building of BC/BFs, personnel of Post Offices, banks, State Govt Depts, Members of SHG/JLGs etc.,
(ii) providing support for setting up of Village Knowledge Centres, Farmers' Service Centres, Rural Credit Bureaus, (iii) supporting pilot projects for development of innovative products, processes and prototypes for financial inclusion and (iv) support to Farmers' Clubs for acting as Bfs.
Financial Technology Transfer Fund (FTTF)
(i) Encouraging user friendly technology solution,
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(ii) Providing viability gap/ pilot project funding for unproven but potential technological interventions,
(iii) Creating a common technology infrastructure with comprehensive credit information and
(iv) Conduct of studies, consultancies, research, evaluation studies, promoting seminars, conferences and other mechanisms for discussion, dissemination relating to financial inclusion technological interventions.
Besides ensuring enhanced credit support through financing institutions for private investment for encouraging capital formation in rural areas, funding support for rural infrastructure creation etc, the abovementioned developmental programmes of NABARD aiming at inclusive growth, are complimentary to the objectives of Vision 2018 of the State Government. The convergence of efforts by all the stakeholders would help in ensuring holistic development of the state.
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CHAPTER – 4
INFRASTRUCTURE PLANNING
4.1. Importance of Rural Infrastructure
Rural infrastructure refers to the creation of basic facilities, services and installations, needed for the rural economy. Infrastructure plays a critical role in the economic and social development. Basic infrastructure like irrigation, roads & bridges, power, drinking water, etc. are es sential for increasing productivity of land which further lead to capital formation, employment generation and improving living standards of the people. Rural infrastructure facilitates backward and forward linkages for Farm & Non Farm sector which is key to rural prosperity and growth of rural economy. Strengthening of rural infrastructure leads to expansion of markets, improvement in economies of scale, creation of storage capacity and better movement of factors of production (especially labour & technology). It reduces losses in farm produce and helps in value addition. This further emphasizes the importance of rural infrastructure as it has a direct bearing on production, productivity, providing livelihood opportunities in rural areas and timely & adequate availability of farm produce to ultimate consumers. Infrastructural facilities also influence private capital formation, which is imperative for the sustainable growth of economy. The infrastructure index for the State was 93 as against 100 on all India basis. However, in the last two decades, there has been a decline in gross capital formation by the public sector (22.15% in 2011-12 (RE) compared to 33% in 1994-95) which has adversely affected capital formation in private sector. The approach document of 12th Five Year Plan emphasizes on public investment in infrastructure so that basic facilities in backward and remote areas can be addressed. The major thrust of the State Govt. is to improve profitability of agriculture by enhancing irrigation, outreach of technology, marketing & storage facilities, etc. A target of about 10 lakh ha. has been set up by the State Govt. for creation of irrigation facilities in the next 5 years (by the year 2018). Other infrastructure initiatives proposed by State Govt. include construction of 9000 km plus roads, 35 rail over bridges undertaken through PPP mode, up-gradation of 13 Industrial Estates, creation of 27 greenfield industrial estates, 20 storage and grading plants, 100 new custom hiring centres, construction of field channels (5 lakh ha.), upgradation of 100 new nurseries, setting up of 5 tissue culture laboratories, collection centres, ripening chambers and integrated pack house, Cold Storages, an integrated multi-modal logistic unit, automatic milk collection units, etc. Stress is also laid on good quality infrastructure, its upkeep and maintenance. Since 1995-96, NABARD has also been supplementing the efforts of the State Government, through Rural Infrastructure Development Fund (RIDF) in augmenting the rural infrastructure.
Sector Specific Status of Basic Infrastructure
4.2 Agriculture / Allied Sector
Agriculture is the backbone of State economy on which 70% of the rural population is dependent for their livelihood and it contributes to 26% of the SDP. Public investment in agriculture plays an important role in supporting private investment thereby enhancing production and productivity on sustainable basis. Agriculture, Horticulture,
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Animal Husbandry & Fisheries, Cooperation Departments of GoMP have created infrastructure viz. soil testing laboratories (75) at district level, Seed Processing and Certifying facilities, Krishi Vigyan Kendras (47), Veterinary Hospitals (677), Dispensaries (1744), dairy milk plant/ chilling centres/ bulk milk coolers, mobile veterinary units (65), AI centres, hatcheries, nurseries, etc. to support agriculture development. To keep pace with the latest technological development and to widen the support base at Sub block level/ Gram panchayat level these facilities require modernisation and renovation on regular basis.
4.2.1. Irrigation
Madhya Pradesh is 2nd largest State in the country having 9.43% of the total area. State has net sown area of 150.17 lakh ha (2010-11) which is about 48.7% of the geographical area. The irrigation potential of the state from surface water and ground water is estimated at 60.9 lakh ha. and 52 lakh ha., respectively. The target and achievement under the sector during XI Plan period was as under:
Project Target
(Lakh ha) Achievement
(Lakh ha) % of target
achieved Major 3.61 2.60 72.02
Medium 0.78 0.19 24.36 Minor 2.67 2.14 80.15 Sub Total 7.06 4.93 69.83
NVDA Projects 3.44 2.18 63.37 All Projects 10.50 7.11 67.71
Support under RIDF
Since inception of RIDF, a financial assistance of ` 8724.51 crore has been provided to 763 irrigation projects for bringing more than 5 lakh ha of area under irrigation. For efficient and equitable distribution of water and proper maintenance of created structures, 2062 Water User Associations (WUA)s have been formed in the state which covers an area of 20 lakh ha.
Vision 2018 The various strategic initiatives proposed by GoMP for improving Irrigation facilities are as under: l Expanding irrigation in an additional area of 2 lakh ha per annum l Development of command area for medium & large irrigation projects. l Construction of canal lining & field channels ( in 5 lakh ha.) l Provide water for irrigation to Malwa region ( Narmada-Malwa water link )
Issues l To bridge the gap between ultimate potential, potential created and utilisation of
irrigation facilities necessary steps required are as under: l Extensive command area development and regular maintenance of canals &
channels. l Promotion of water harvesting structures, rejuvenation of community based Lift
Irrigation Systems/water bodies ,etc..
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l Propagation of Micro-irrigation systems like drip and sprinklers. Creation of awarenes and capacity building among farmers/water users associations for up-scaling conservation efforts.
l Periodic dam safety reviews, ERM of older dams, lining of unlined canals, de-silting and renovation and repair of old tanks.
l Possibilities may be explored for covered canals/buried pipelines for efficient utilisation of land and water resources.
4.2.2 Post Harvest Management/Value Addition/Storage & Marketing: Higher agricultural growth in state requires availability of post harvesting facilities like marketing, storage, etc. so construction of godowns has been identified as a key investment activity for public and private sector. The State has 197 cold storages with storage capacity of approx 8 lakh MT. The public investment can be supported under RIDF, NABARD Infrastructure Development Assistance (NIDA) and the newly launched Warehousing Infrastructure Fund (WIF) for creation of cold chains & Warehousing facilities. An amount of `377.08 cr has been sanctioned to the State Govt under RIDF towards 111 warehousing projects. MP Warehousing and Logistic Policy 2012 has been announced by the State Govt which provides incentives to various stakeholders.
Vision 2018 Underlining the importance of Post Harvest management, GoMP has outlined certain strategic initiatives: l Expand storage (150 lakh MT), Silos (8.5 lakh MT) and cold storage facilities and
strengthen marketing linkages for commercialization of agriculture sector, l Develop the state as a logistics hub, l Encourage processing and value addition of agriculture and horticulture produce to
ensure better unit price realization to the farmers, etc. l 250 new collection-cum-rural business centres, many of them located in the
horticulture hubs, with annual capacity of 1-10 lakh MT each shall be established. Issues Keeping in view the marketable surplus and existing storage facility, the capacity required is estimated as under for the year 2014-15.
(` Crore)
Particulars Capacity (lakh MT)
Investment Requirement
Through Corporates as per MPWLC Policy 20.00 600 MPWLC and Other Govt. Agencies 20.00 600
Individuals/ Corporates/ Cooperatives through other Schemes like CISS-Govt. Sponsored Schemes
40.00* 1200
Cold Storage 4 320 Total 84 2720
* GoMP plans to construct 300 godowns of 500 MT capacity each by PACS/LAMPS.
In Bundelkhand region 5.79 lakh MT capacity warehouses are planned. 4.2.3 Rural Market Complex for Fruits, Vegetables and Flowers
Apart from existing 517 regulated markets, a Composite Logistic Hub has been planned in Pawarkheda, Hoshangabad district, an initiative under Farm-to-fork
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integration and the first of its kind in Madhya Pradesh. Spot trading facilities through electronic exchanges have been introduced in Indore, Vidisha and Ganjbasoda Krishi Upaj Samities. Many existing rural mandies lack the basic infrastructure.
Issues Permanent facilities may be provided in the mandies in the form of concrete floor/platforms, storage, water and electricity supply, toilet facilities, weighing scales, facilities for safe disposal of waste material, parking arrangements, rest room for farmers, etc. The approximate estimated cost would be as under:
No of Mandies Total Cost
All districts of the State 246 ` 250 crore
Financial assistance can be availed of from NABARD under RIDF or NIDA for the development of the market yards. 36 mandies in 9 districts have been identified as critical infrastructure with outlay of `40.50 crore.
4.3. Roads Sector
Road plays an important role in socio-economic development of the State. Madhya Pradesh has a total road length of 1,97,293 Km, which works out to 64.05 Km. of road length per 100 sq. km as against the national average of 115 KM. An annual growth rate observed for Madhya Pradesh was 3.02 percent which is equivalent to national annual growth rate. Thus efforts are being made to improve the condition of road network. Under PMGSY, state has received sanction of 10492 roads of 47065 km covering 8299 habitations and costing `11317 crore (from 2000-01). In addition, 1757 roads of 8471 km (`1996.88 crore) covering 2288 habitations are planned. Mukhya Mantri Grameen Sadak Yojana is also under implementation which provides all weather connectivity to villages up to nearest BT roads having population of less than 500 persons in general areas and 250 in tribal areas. Rural connectivity has emerged as a major and critical infrastructure requirement in many districts. As many as 35 districts have identified more than 2000 km road length and 67 bridges (investment about `1800 crore) as last mile connectivity. Support under RIDF As on 31 March 2013, an RIDF loan of `2653.36 Cr has been sanctioned to the State for 1581 projects( 1246 roads and 335 bridges) which improve the connectivity of 13093.78 km and 33186.98 km, respectively. Of this 530 roads and 201 bridges have been completed realizing the potential of 8084.49 km roads and 19877.64 mtr of bridges.
Vision 2018 Prioritising the rural connectivity, the GoMP has specified strategic initiatives viz., expanding road network for seamless and faster regional connectivity across the state, achieve road access to all villages including the remotest rural regions, etc. for increasing rural connectivity.
All the Divisional headquarters and the District headquarters shall be connected by four lane roads and two lane roads respectively. l National highways with total length of 1,400 kms to be four-lane under PPP.
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l Convert the entire state highway network of 11,000 kms into a world class highway system with a focus on services, road safety and 24X7 commuter interface.
l 1,000 kms length of state highways to be converted from two-lane to four-lane in five years.
l Entire 19,000 km major district road network to be upgraded in the next 5 years. l All large villages in the state to be connected with black topped roads, going down
progressively on the population scale. l In the 7,161 villages which are being connected under the Mukhya Mantri
Grameen Sadak Yojana, all weather roads shall be black topped, going down progressively on the population scale in the next five years.
l Khet Sadak listed in nistarpatrak / wazibularz will be made into Gravel roads to be constructed as all-weather gravel roads. Necessary entries will also be made in khasra.
Issues l Non- availability of roads & bridges adversely affects the connectivity in remote
areas. l Even though there is a good network of roads in the State, only about 70 percent
of villages are connected with all weather roads and the rest are connected by fair weather, kuccha and non-motorable roads.
l There is urgent need to to expand road network to improve agriculture and encourage industries.
l The distribution of national highways, as on 31 March 2011, depict that standard single lane accounts for 30.87% of national highways (AI level – 24.11%), standard double and standard multi-lane accounts for 53.15%(AI level – 51.66%) and 15.97%(AI level – 24.22%), respectively indicating disparity. These roads apart from having poor specifications in terms of width and crust are also having poor geometric and bridges which need to be upgraded to the norms of national highways.
4.4 Power Sector
Power sector plays a crucial role in enhancing the growth of social and economic sectors of the economy and strengthen agriculture and industrial base of the state. The situation of supply of electricity has improved remarkably with 24 hour electricity supply to industrial units and feeder separation to agricultural sector. The power supply had increased from 36073 million units during 2007-08 to 42931 million units in 2011-12. The percentage of villages electrified to total inhabited villages has increased from 65.20 in 2010 to 71.00 by March 2012 as per new definition of electrified village. 121 villages have been electrified through solar power. Support under RIDF Under RIDF, 34 projects were sanctioned for System Improvement in Power Sector for reduction of transmission and distribution losses annually to the extent of 830 lakh units and 320 lakh units respectively benefiting 1,500 villages spread over 34 Blocks of 26 districts.
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4.5. Renewable source of energy
The potential for renewable power generation in the country is estimated at 89760 MW (as on 31 March 2011). The state’s focus during the XII five year plan period is to generate 10% of the country’s total renewable power generated. There is potential for generation of renewable energy from various sources viz., wind, solar, biomass, small hydro and co-generation bagasse. The estimated renewable energy potential in the State includes (a) wind power 1200 MW, (b) Biomass 1040 MW, (c) Small Hydro 410 MW and (d) Solar power 20MW/sq. km (Source: mnre.gov.in ). The State receives high solar radiation with more than 300 days of clear sun and solar potential upto 5.8 kwh/sq.m. Concrete steps initiated are as under:
l Five Dedicated Solar Parks are being developed on PPP mode. l The largest solar project in the country is being built in MP. l Thrust on solar, wind, small hydro and biomass power projects are being
made and off-grid solutions for energizing cities and distant rural habitations is being explored.
l Potential to generate power from Solid Waste in 5 clusters Gwalior, Indore, Bhopal, Jabalpur and Rewa.
l Narmada basin area has the potential to generate power from Geo thermal energy.
As spelt out in the Vision 2018 document of GoMP, the state aspires to be a leader in the generation of renewable energy and the strategies of the GoMP include
l increasing the installed capacity of renewable sources of energy, l production of renewable energy through productive utilization of waste land as
well as lands in the scheduled areas, l diversification of energy portfolio by reducing the conventional energy demand
by 10%, l promotion of decentralized / solar photovoltaic systems, l promotion of environment friendly and energy efficient green buildings and l promotion of private investments in the renewable energy sector.
Issues There is a need for creation of synergy between corporate sector, Govt labs/ institutions and NGOs so that low cost renewable energy technologies can be developed and disseminated in rural areas.
4.6. Social Sector
On Human Development Index, Madhya Pradesh ranked 20 th among all Indian states with HDI value 0.375 against all India figures of 0.467. Sector wise analysis is as under: 4.6.1. Drinking Water: The state has achieved full coverage status for all the habitations by providing 40 litres of safe drinking water per day per capita. Percentage of households having access to safe drinking water - tap/hand-pump/tube-well is as follows:
1991 2001 2011 Total Rural Urban Total Rural Urban Total Rural Urban
MP 53.4 45.6 79.4 68.4 61.5 88.6 78 73.1 92.1
All India 62.3 55.5 81.4 77.9 73.2 90 85.5 82.7 91.4 (Source : Economic Survey 2012-13)
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Vision 2018 As per the Vision 2018 document, the Mission of GoMP is to provide piped drinking water in all urban centres and expand its availability to rural households and the strategic initiatives to achieve this mission include ;
l To expand drinking water supply to all habitations, l To make a paradigm shift from overwhelming dependence on ground water to
surface water resources and l To regulate norms to improve rules and monitoring process, e tc.
Support under RIDF An amount of `905.36 crore were sanctioned under RIDF XIX for 19 surface source based group drinking water supply projects to MP Jal Nigam Maryadit to provide piped drinking eater in 15 districts of the state.
Issues l At present, there are 2917 rural habitations with affected water quality (2.29%
of total habitations). l In around 59.8% of habitations (76042 habitations out of 127197 habitations),
entire population is covered and in 5.7% of habitations population coverage is less than 50%.
l There is concern in respect of of slippage of water sources in large number of habitations. To control the problem of slippage, use of surface water, water recharging/ harvesting structures and rain harvesting has to initiate vigorously.
4.6.2. Sanitation
The efforts of the State are supplemented by the Central Govt., through technical and financial assistance, under the Central Rural Sanitation Programme. Assistance from RIDF is available for the State Govt. for setting up of community sanitary complexes, anganwadi toilets and school toilets in rural areas.
Issues l There are many villages in the districts which lack proper sanitation facilities. l Creating awareness among the people about proper sanitation.
4.6.3. Rural Education
The last decade saw an increase of literacy rate from 64.11% in 2001 to 70.63% in 2011, which is close to the national average of 74.04%. The State has also made significant achievement in providing access to elementary education with increased enrolment in primary and upper primary school education. Percentage of girls' enrolment in the total enrolment has increased from 48.3% to 49.22% primary classes (class i-v) and 46.49% to 49.44% in case of upper primary classes (vi-viii) during 2008-09 to 2010-11. GoMP has accorded top priority, after Agriculture, to the education sector. As per the Vision 2018 document, the Mission of GoMP includes (i) going beyond enrolment and retention, strive for excellence in education for all and (ii) strive for all-round development in higher education in colleges and universities, to make it comparable to the best in the country and in selected areas bring them upto international levels.
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Issues Skill development of rural youths in non-farm employment opportunities in rural area, has to be taken up in mission mode to bridge inequalities in access of education between urban/rural areas and people dependent on agriculture/industry and services.40% of the female population is still illiterate.
4.6.4. Establishment of Training centres in Rural Areas
Capacity building and Skill Development by acquisition of knowledge, sharpening of skills, concepts, rules, changing of attitudes and behaviour enhance the performance, productivity and production. With more than 70% of the population living in rural areas there is an imminent need to create training institutions in rural areas, mainly catering to the poor, uneducated people. These institutions should equip people to improve their productivity by earning a decent living through farm and non-farm activities. The Base State Focus Paper had identified potential to establish 267 training institutions at an average cost of ` 2 crore per institution.
Particulars Number Cost per centre Total Cost
Rural Training Centres 267 blocks HQ ` 2 crore ` 534 crore
Recognising the need and importance of Skill Development, the Vision 2018 document of GoMP has an ambitious mission to impart skills to enhance capabilities to ten lakh young men and women to attain wage and self employment, for which it has chalked various strategies viz., (i) expand training infrastructure and capacity for skill development to reach out to youth in very large numbers across the State, (ii) encouraging private sector participation for establishment of training centres across the State, (iii) improve quality of training programmes, (iv) expanding placement and self employment opportunities, (v) establish a platform for effective interface between employers and youth of the state.
Support under RIDF
NABARD's financial assistance can be availed under RIDF or NIDA for the development of the training centres. NABARD has provided assistance to State Govt. under RIDF for construction of 213 school/college buildings involving loan amount of `181.03 lakh. Recently the State has been sanctioned a loan amount of `160.75 cr towards 40 ITIs.
Issue Skill development is a challenging task for which required physical infrastructure and trained faculty is needed.
4.6.5. Rural Health Infrastructure
Literate, healthy, skilled and empowered people are an asset. Inadequate medical facilities in the state have direct correlation with life expectancy and infant mortality rates. The Government health care facilities in rural areas is three tier : sub-health centres, primary health centres, community health centres. In urban areas, Government provides for civil hospitals and district hospitals. At present, the State has 50 District Hospitals, 333 Community Health Centres, 1155 Primary Health Centres, 56 Urban Civil Hospitals, 96 Civil Dispensaries, 313 Rural and 96 Urban Family Welfare Centres, 7 T-B Hospitals and 8860 Sub-health Centres, along with facilities of Indian
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System of Medicine. With a Mission to ensure comprehensive healthcare to all, the GoMP, in its Vision 2018 document, aims to (i) Improve and expand physical access to preventive and curative services and provide a guarantee for identified health services, (ii) reduce IMR, MMR and TFR to nationally accepted levels, (iii) ensure availability of quality human resource for the sector, ( iv) promote standardization of infrastructure and technology in specialized healthcare delivery, (v) minimize family expenditure on healthcare, etc.
Support under RIDF
Under RIDF, 456 health centres have been sanctioned in the state with loan amount of `232.99 lakh of which an amount of `88.89 lakh has so far been disbursed. Of the above, 13 health centres have been completed so far.
Issues The infrastructure is not sufficient to meet the requirement of the people and the gap is large. The table below reflecting the state's performance vis a vis national average in health care indicators points out that a lot needs to be done for making good quality medical facilities easily accessible to the public.
Life Expectancy
at birth (in years)
Infant Mortality
Rate (per 1000 live births)
Maternal Mortality
Rate
Total Fertility
Rate
Birth Rate (per 1000)
Death Rate (per 1000)
MP 62.4 59 277 3.1 26.9 8.2 All India
66.1 44 212 2.5 21.8 7.1
(Source : Economic Survey 2012-13)
The average availability of hospital beds in MP is 37 per lakh population as against all India average of 87. 8 districts have identified need for 216 health centres involving outlay of `29.78 crore.
4.6.6 Child Care / Anganwadi
Construction of Anganwadi Buildings is an offshoot of Integrated Child Development services IVDS). At present, there are 453 projects of ICDS, 80160 Anganwadi Centres and 12070 Mini Anganwadi Centres in the state. Out of these, 30000 AWC buildings are planned, while 50160 AWCs do not have their own building.
Issue Malnutrition is one of the major concerns. `84.92 cr has been sanctioned to the State Govt under RIDF towards 675 Anganwadi centres.
4.7. Public Private Partnership The state has been a pioneer in Public Private Partnership (PPP). Currently departments like agriculture, bio-technology, commerce, industry and employment, energy, forest, health and family welfare, horticulture and food processing, housing and environment, information technology, public works department (roads), school
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education, sport and youth welfare, technical education and urban administration and development have opted for public private partnership mode for capital intensive works using different option of PPP. Projects in pipeline include different sectors -Dairy(2), Education(4), Energy (4), Health (3), Industry (8), IT (3), Roads (149), Sports (2), Tourism (6), Transport (4), Urban (16), Urban Water supply (6) and Warehousing and Logistics (3). Road projects account for more than 70% of total projects and more than 67 percent of total projects cost. The state has also been among the first ones to submit proposals of road construction using the VGF. The state is also implementing mini-hydel projects in PPP mode. The state prefers to utilize PPP approach for funding infrastructure development in different sectors including service sectors wherever possible. 4.8. Infrastructure Support under RIDF
4.8.1. Rural Infrastructure Development Fund (RIDF), set up in NABARD during the year 1995-96 for providing loans to State Government / State owned Corporations for completion of on-going / new projects relating to medium and major irrigation, soil conservation, water shed management, rural roads/bridges, primary/secondary school / anganwadi buildings, primary health centres, ground water recharge structures and other forms of rural infrastructure, is in operation in the State. The agencies implementing RIDF projects in the State are Water Resources Department (WRD), Public Works Department (PWD), Narmada Valley Development Authority (NVDA), Madhya Pradesh State Electricity Board (MPSEB), Rajya Shiksha Kendra (RSK), Department of Health and Family Welfare (DHFW), Dept. Of Women and Child Welfare, Madhya Pradesh Warehousing and Logistics Corporation (MPWLC), MARKFED, and Madhya Pradesh Jal Nigam. As on 31 March 2013 NABARD has sanctioned 3806 projects with RIDF assistance of `12010.94 crore, against which `7485.29 crore has been disbursed. The details of projects assisted are as under:
(` crore)
Agency Activity No of
Projects RIDF Loan sanctioned
RIDF Loan disbursed
Water Resource Deptt Irrigation 714 4835.66 3074.70
NVDA Irrigation 47 3336.07 1975.25
NVDA Power 1 37.71 37.71
Public Works Deptt. Road 1180 2131.16 1531.14
Public Works Deptt. Bridge 335 522.20 392.57
MPSEB Power 34 111.37 98.29
MPWLC Warehousing 81 277.41 46.08
MARKFED Warehousing 30 99.67 19.93
Rajya Shiksha Kendra School Buildings 213 181.03 181.03
Health Dept. Health Centres 456 232.99 111.61
Women & Child Dev Anganwadi Centres 675 84.92 16.98
Tech. Edu & Skill Dev. ITI Centres 40 160.75 0.00
Total 3806 12010.94 7485.29
During the year 2013-14 a normative allocation of `500 crore was made to the state.
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4.8.2. Expected Benefits Benefits envisaged vis-a-vis benefits realised under RIDF projects sanctioned are as under:
Activity No. of projects Potential
Sanctioned Completed Sanctioned Created/ Realised
Irrigation 763 616 12.91 lakh ha 4.83 lakh ha
Roads 1246 530 13093.78 km. 8084.49 km
Bridges 335 210 33186.98 m 19877.64 m
Power (##) 35 35 158.84 MW 158.84 MW
Schools 213 213 42616 nos. 42616 nos.
Health Centres 456 13 930 nos. 45 nos.
Warehousing 111 0 4,70,800 MT -
Anganwadi 675 - - -
ITI Centres 40 - - -
Drinking Water 19 - - -
Total 3893 1586 - -
## 34 projects sanctioned for System Improvement in Power Sector were expected to result in reduction of transmission and distribution losses annually to the extent of 830 lakh units and 320 lakh units
respectively benefiting 1,500 villages spread over 34 Blocks of 26 districts.
4.8.3. NABARD Infrastructure Development Assistance (NIDA)
NABARD has introduced a new line of credit, NABARD Infrastructure Development Assistance (NIDA) for rural infrastructure investment to state-owned institutions, with sustained income streams which can repay the loan directly to NABARD, without depending upon budgetary resources of the State Government. This will reduce the pressure on State Government borrowings, but at the same time, assist in maintaining the pace of creation of rural infrastructure. This new line of credit envisages customised terms and conditions to suit every need, flexible tenure to ease pressure on repayments, sustainable interest rates cushioned against interest rate fluctuations, and unique credit plus support aimed at enhancing the return on investment of infrastructure. State Govt. can avail loan facility under NIDA for income generating state owned corporations. Identified state owned corporations could be MP Tourism Development Corporation, MP Coop. Dairy Federation, MP Agro-Industries Corporation, MPWLC and MARKFED. 4.8.4 Warehousing Infrastructure Fund (WIF) has been set up for creation of necessary warehousing facilities. State Govts, entities owned and/or assisted by Central and/or State Govt. agencies engaged in setting up warehousing/ storage infrastructure etc. are also eligible for assistance under this scheme. The following potential investments were envisaged under RIDF for the period 2013-14 to 2016-17 in Base SFP. Of this the potenti al during 2014-15 could be as under:
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(`̀ crore)
Sector Potential Financial outlay
identified in base SFP
Estimated for 2014-
15
Irrigation 5000 2000
Roads & Bridges 1200 400
Health Centres 100 30
School & ITI buildings 200 50
Anganwadis 200 100
Agri extension, Soil testing labs
and Marketing infrastructure 100 30
Storage Godown 400 100
Training Centres
(Farmers Agriculture and
Horticulture Training Centres)
200 100
Rural Drinking Water Supply 700 200
Total 8100 3010
Issue l The State Govt. may, prepare a long term infrastructure development plan for
next years 20 years, keeping in view the agriculture growth, diversification and climate change.
l The critical infrastructure identified in various districts has been highlighted in Annexure-III.
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Chapter 5
RURAL CREDIT OUTLAY UNDER VARIOUS SECTORS Rural Credit plays unique role in development of agriculture sector and is a critical input in poverty alleviation and employment generation. Affordable, sufficient and timely supply of institutional credit to rural areas is critical in achieving the target of 4.5% set for agriculture sector in XII Five Year Plan. Rural credit comprises of short -term loans for financing crop production, medium term / long term loans for financing capital investment in agriculture and allied sectors, Non Farm sector and other priority sector activities like rural housing, education, health etc.
A brief analysis of agriculture and allied sectors and their credit outlays has been furnished in this chapter to provide an overview of sectoral performance of the state and the issues that confront each of these sectors. 5.1 CROP PRODUCTION, MAINTENANCE & MARKETING 5.1.1 Agriculture plays an important role in the overall economic growth of the state and is the main source of livelihood of the rural population. The state has made great strides in agricultural production during the XI plan period despite deficient rainfall received during some years. Agriculture in the state is characterized by the dominance of small and marginal farmers involved in subsistence farming without adequate resources to invest on their land. This is where credit can play a significant role through supply of resources for investment on land for increasing production and incomes.
5.1.2 The state receives an annual rainfall ranging from 800 mm in the northern and western regions to 1600 mm in the eastern districts. Erratic and uneven distribution of the monsoon, coupled with other natural calamities like frost are the major constraints in accelerating and sustaining the growth of agriculture sector. Hence, the economic progress of the state is intricately and inseparably related to the management of its scarce water resources and their use in adequate quantity at right place and at right intervals. This was given importance by the state Government and in the recent past, there has been a gradual increase in the net irrigated area in the state from 71.40 lakh ha in 2010-11 to 78.80 lakh ha in 2011-12.
5.1.3 During the year 2011-12, the net cropped area was about 150.17 lakh ha and the gross cropped area was 217.55 lakh ha. The cropping intensity in the state stands at 145 percent. Food grains are cultivated on more than half of the gross cropped area and the state is one of the major food grain producing states in the country. The state is a leader in the country in production of pulses and oil seeds with 25.28% and 25.17% share, respectively in total national production during 2011-12. It ranks first in soyabean and gram production in the country, fourth in rapeseed and mustard, fifth in wheat and tur and seventh in cotton production. Major crops grown in the state are indicated in the state profile.
5.1.4 Though the productivity of paddy, wheat, gram and groundnut and cotton has shown impressive trends over the years as detailed in the table below, it needs to be further increased to match the all India figures in respect of few crops like paddy, wheat, maize, mustard and sugar cane.
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(kg/ha) Crop 2009-10 2010-11 2011-12 (P)
Rice 896 1182 1415
Wheat 2071 2073 2705
Maize 1254 1590 1502
Tur 780 316 622
Gram 1070 785 1082
Soyabean 1180 1222 1109
Groundnut 1205 1497 1621
Mustard 849 1128 1109
Cotton 672 926 977
Sugar cane 4022 4083 3884
Source: Department of Agriculture, Govt. of Madhya Pradesh
5.1.2 Ground Level Credit Flow and PLP Projections
The ground level credit flow under crop loans during the last three years is presented in the table given below:
(` in lakh)
2010-11 2011-12 2012-13
Target 1638400 1958300 2308600
Achievement 1430800 1955600 2677800
% Achievement 87 99 116
The overall achievement is good during the last three years. Crop wise physical and financial projections for the year 2014-15 are as follows :
Crop Phy (ha) Fin.( `̀ in lakh)
Gram 1784111 332389
Wheat 3567471 804936
Soybean 4045955 834139
Paddy 940142 176647
Jowar/Maize 1086379 117526
Vegetables 277495 84985
Pulses 846225 143273
Oilseeds 576322 124642
Misc. / Spices 1259468 396178
Maintenance 291109.82
Marketing 41500
Consumption 582219.62
TOTAL 14383568 3929544.16
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5.1.3 Issues and Suggested Action Points
Issues: l Fragmentation of land holdings at a faster pace l Preponderance of tenant farmers without access to institutional finance. l Inadequate supply of quality seeds, fertilisers , pesticides etc. l Subsistence farming mostly in eastern districts due to lack of resources and
knowledge of improved package of practices Action points:
Government l Issuance of cultivators eligibility cards for tenant farmers/share croppers. l Strengthening of agricultural extension machinery l Modernisation of Kisan Call Centres. l Ensure adequate supply of quality seeds, fertilisers and pesticides. l Workshops may be organised, at periodic intervals at block level, to impart
training to the farmers on cropping pattern, water management, micro irrigation systems, use of organic manures, etc.
l All crops may be notified under NAIS. l Non loanee farmers to be educated on the crop insurance regarding payment
of premium within the due date. Banks:
l With the assured forward and backward linkages, bankers can support crop production activities with enhanced credit flow.
l Coverage of all the farmers under revised KCC Scheme l Encourage pledge financing to enable farmers to avoid distress sale as also
meet their short term credit requirements l Rationalisation of scales of finance for cultivation of crops. l PACS to review and enhance the Individual Maximum Borrowing Power (IMBP)
to ensure that the farmers are not under-financed. 5.2 WATER RESOURCES 5.2.1 Water is an important input in agriculture and its timely availability ensures higher productivity. Rainfall in the state is monsoon dependent and the maximum annual rainfall is received during the months of June to September, therefore it is essential to provide irrigation to the crops during the remaining period.The state has an ultimate irrigation potential of about 121.74 lakh ha. The estimated annual run-off in the state from the ten main rivers is about 81523 MCM, of which 56857 MCM can be harnessed for irrigation with which about 69.74 lakh ha can be irrigated. Further, around 52 lakh ha can be irrigated through ground water. As per the report of Central Ground Water Board, groundwater utilisation in the state during the year 2009 was 56%, slightly below the national average of 61%. About 13.76 bcm of ground water is available for future irrigation use. The net irrigated area in the state during 2011-12 was 78.80 lakh ha, which accounted for 52.47 percent of the net area sown. The major source of irrigation is wells & tube-wells accounting for around two thirds of net irrigated area while canals (surface water) contributes for 17 percent and remaining 17 percent is being contributed by other sources. The State has developed an irrigation potential of about 32.78 lakh ha during 2011-12 through Water Resources
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Department, against which the utilisation is 16.35 lakh ha, accounting for 55.70 per cent of potential created. 5.2.2 Ground Level Credit Flow and PLP Projections for the Sector (` in lakh)
Sector 2009-10 2010-11 2011-12 2012-13 Water Resources 43211 49462 53435 67475
PLP Projections for 2014-15
Activity Phy (Nos/Ha) Fin. (`̀ in lakh)
DW 52220 42108.37
Generator Set 34564 15440.12
Pump sets 77413 17337.92
Lift Irrigation 42478 48621.46
Bore wells 55357 49823.32
Pipe lines 90714 13997.99
Drip 92331 63623.94
Sprinklers 59472 34573.26
Deep of wells 19448 5644.99
Misc./Others 18152 12394.33
TOTAL 303565.70
5.2.3 Issues and Suggested action points
l Over exploitation of ground water in some blocks (24) l Low water use efficiency due to flood irrigation l Inadequate credit for the sector
Action points Government
l Restrictions to be imposed on groundwater use in critical and overexploited blocks.
l Recharge structures may be made compulsory for all the wells. l Formation of WUAs in all irrigation projects/ RIDF-assisted projects l Awareness creation on water saving devices l Popularisation of micro irrigation. l Gradual replacement of old pumpsets with energy efficient pumpsets.
Banks
l Thrust on financing of irrigation sector l Provision of credit to drip and sprinkler systems on cluster basis
5.3 LAND DEVELOPMENT 5.3.1 Land is an important resource for agricultural production and acts as the base for agriculture. The type of land and its optimum use depends on several factors such as physiography, soil depth, texture, rainfall, irrigation and land management factors.
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Soils in the state can be broadly classified into shallow and medium black soil, deep medium black soil, alluvial soil and mixed red and black soils. Nutritional analysis of the soils in the state reveal that they have medium level content of nitrogen and phosphorus but are rich in potassium. Depending on the rainfall, topography, land classification, items for financing under this sector in the state encompasses a host of activities such as land leveling, bunding, reclamation of saline and alkaline soils, farm ponds, watershed approach etc.
5.3.2 Ground Level Credit (GLC) Flow and PLP Projections for the Sector:
(` in lakh)
Sector 2009-10 2010-11 2011-12 2012-13
Land Dev.
5112 6192 14160 16055
PLP Projections for 2014-15
Activity Phy (Ha /Nos) Fin (`̀ in lakh)
Land levelling 33951 6322.41
NADEP Compost 102825 20660.19
Vermi /COMPOST 17173 9704.51
Farm Ponds 14652 14757.38
Bunding 10232 1246.02
LD./OFD. 24433 7650.52
Misc./WR/PFC 18657 2383.35
Watershed Dev. 13669 7011.17
TOTAL 69735.55
5.3.3 Issues and Suggested Action Points Issues
l Large surface runoff, soil erosion and non availability of moisture for winter and summer crops.
l Low nutrient status of soils in some districts (Morena, Bhind, Gwalior, Datia, Chattarpur, Panna, Jabalpur etc)
l Huge potential for watershed development. About 257.43 lakh ha of land requires treatment.
Action points Government
l Soil testing may be popularised among the farmers and necessary infrastructure be created for the purpose.
l Command Area Development activities may be stepped up so as to achieve the envisaged irrigation potential.
l Propagation of use of organic manures to improve soil health and fertility. l Encourage commercial production of organic inputs . l Banks l Proactive finance for fresh investment credit in those areas where watersheds
and RIDF projects are being implemented through close interaction with the implementing government departments and NGOs.
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l Credit assistance may be made available for commercial production of organic inputs.
5.4. FARM MECHANISATION
5.4.1 Farm mechanisation plays a key role in cutting down the cost of production thus resulting in increasing incomes of the farmers .This too is very crucial in the state in the context of large rural population depending upon agriculture and with non availability of labour in peak seasons of agricultural operations. According to the agriculture census conducted in 2007-08, positive growth was observed in all the agricultural machinery and implements in the state over the previous census conducted in 2001-02 except for the wooden plough. State Government took an initiative and established 850 custom hiring centres for providing services of tractor and improved implements to the farmers. Each custom hiring centre is equipped with a tractor and a set of agricultural implements. The response towards these centres is reported to be good.
Activities that are considered under “Farm Mechanisation” sector for the credit planning exercise are mainly tractors, power tillers, combined harvesters and other agricultural machinery/equipments and implements used for crop production. The state has a good network of dealers selling all brands of tractors / power tillers and agricultural implements. There are adequate numbers of workshops and service centres extending after-sales service in most parts of the state. 5.4.2 Ground Level Credit (GLC) Flow and PLP Projections for the Sector:
(` in lakh)
Sector 2009-10 2010-11 2011-12 2012-13
FM 131905 106044 129549 153830
PLP Projections for 2014-15
Activity Phy (No) Fin.( ` in lakh)
Tractors (Old/New) 75467 330581.80
Power Tillers 21537 31357.36
Threshers 38141 42450.21
Misc/Other agri implements 102734 66263.62
TOTAL 237879 470653.00
5.4.3 Issues and Suggested Action Points
Issues l Low investment capacity of SF/MF. l Small and fragmented land holdings. l Higher economic scale of operation. l Lower penetration of improved farm implements. l Lack of repair and replacement facilities especially in remote areas
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Action points Government
l Use of power tillers and other agricultural equipment may be popularised among the farmers.
l Encourage group formation by small and marginal farmers for effective use of farm implements.
l Training of rural youth in maintenance of farm machinery and implements. l Banks l Provide credit as mapped in the state credit plan for wide spread use of farm
machinery by farmers. l PACS may undertake hiring farm machinery to their members which will ensure
timely availability of machinery to the farmers as well as additional source of revenue to the PACS.
5.5. PLANTATION & HORTICULTURE (including Sericulture) 5.5.1 Horticulture in the past few years has turned out to be one of very promising sectors in the state with rising area under horticulture crops like fruits, vegetables and spices. The area under P & H crops in 2011-12 was 11.72 lakh ha. During this period, area under flowers has shown highest growth (2.35 times). The area under vegetable crops too had shown an increase of 77 % followed by spices reporting a rise in area under cultivation by 62%, medicinal & aromatic plants by 49.2% and fruits by 38.8%. Mango, guava, banana, citrus and melons are main fruit crops grown in the state and their estimated production during 2011-12 was 37.62 lakh MT. Potato, onion, tomato and green peas are the main vegetables grown in the state with an estimated production of 77.66 lakh MT. Chillies, ginger, garlic are the major spices of the state and their estimated production during 2011-12 was 7 lakh MT. The state Government had targeted to increase the area under horticulture crops from 11.72 lakh hectare in 2011-12 to 20 lakh hectare by the end of 2016-17. Strengthening of infrastructure for preservation and processing of horticulture products also is envisaged. 5.5.2 Sericulture Madhya Pradesh has favourable agro-climatic and socio-economic conditions for the development of sericulture.The importance of sericulture lies in its capacity to generate employment and income earning opportunities to a large section of rural population. One hectare of mulberry generates remunerative employment for 12 to 13 persons throughout the year. There are four varieties of silk, viz., mulberry, tasar, eri, and muga. Of these while mulberry, tasar and eri silk are produced in Madhya Pradesh, eri silk is in nascent stage. The mission of sericulture department in MP is “Enhancement of Cocoon productivity per unit in Mulberry and Tasar sector and to enhance the scope of Sericulture through Ericulture as a new activity for providing sustainable means of livelihood to the rural poor”.
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5.5.3 Ground Level Credit (GLC) Flow and PLP Projections for the Sector: (` in lakh)
Sector 2009-10 2010-11 2011-12 2012-13
PH 6818 10666 16026 18360
PLP Projections for 2014-15
Activity Phy (Ha) Fin. (` in lakh)
Mango 12564 15631.86
Oranges 34193 35830.85
Ber 998 217.33
Guava 11516 9934.68
Apiculture 1676 635.49
Amla 18067 10886.32
Medicinal plants 11546 7698.27
Vegetables 36645 14002.02
Pomegranate 8776 3191.01
Floriculture 3016 10457.11
Others/ Misc./Spices 23679 17088.57
Sericulture 2489 2900.55
TOTAL 128474.06
5.5.4 Issues and Suggested Action Points Issues
l Inadequate availability of good planting material. l Inadequate extension support. l Poor post harvesting and marketing facilities. l Lack of awareness on improved package of practices for different crops. l Institutional credit flow for the sector not to the expected level. l Lack of coordination among the banks, Central Silk Board and Dept. of
Sericulture. l Silkworm races suited to specific agro-climatic condition and related package
and practices for the State to be evolved for field adoption. l Lack of cluster based promotion of post cocoon activities
Action points
Government l Adopting cluster approach in selected villages for horticulture development. l Encourage nursery development for production of quality planting material. l Coordination between Horticulture department and Agriculture Universities to
develop and propagate improved package of practices. l Promote food processing infrastructure facilities and encourage public private
partnership in development of horticulture. l Polyhouse technology for vegetable and flower production may be propagated. l Encourage cultivation of medicinal and aromatic plants in clusters and tie them
with pharmaceutical companies.
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l Develop cocoon markets in all potential pockets of the state and encourage more weaving units to come up to prop up the demand for cocoons and silk yarn.
l Under Capital Investment Subsidy Scheme of Govt of India, the state government may establish new fruit mandies to facilitate marketing of perishables and provide short term storage facilities to farmers.
Banks
l Banks may increase their credit to horticulture sector and explore the possibilities of financing tie up loans
l Required credit support to farmers for mulberry, tasar and eri sericulture may be provided by the banks.
5.6. FORESTRY & WASTELAND DEVELOPMENT 5.6.1 Forests are among the most important of our life support systems and our food security and water security are embedded within it. There is need to conserve forests and promote afforestation to mitigate effects of climate change. As per National Forest Policy (1988), National goal is to have a minimum of one third of the total land area under forest or tree cover. The forest resource covers an area of 0.86 lakh sq.m. which is approximately 30.72% of the state’s total geographic area. More than one lakh sustainable livelihoods have been generated in the XI plan period using forestry resources of bamboo, fodder, shellac and tussar.
5.6.2 The specific goals set by the State under 12th Five Year Plan period includes : Increase in forest density in more than 5 lakh hectares, facilitate sustainable harvesting, collection, processing, marketing and regeneration of NTFPs and providing sustainable livelihoods to forest dependent communities by developing enterprises in forest based livelihoods, including opportunities from eco tourism, shellac, tussar, fodder and fuel wood.
5.6.3 The new forest policy has inculcated a shift in management strategy through promoting natural regeneration, better soil and moisture conservation and effective protection against biotic pressure by involving village communities in and around the forests in development and management of forests. The objectives are as under.
l To manage the forest through Joint Forest Management strategy. l To check further degradation. l To rehabilitate degraded forests including bamboo forests. l To conserve bio-diversity in protected areas. l To enhance productivity through high tech plantation. l To increase raw material supply outside forest land, and; l To achieve the above objectives through human resource development
5.6.4 Ground Level Credit (GLC) Flow and PLP Projections for the Sector:
(` in lakh.)
Sector 2009-10 2010-11 2011-12 2012-13
Forestry 34041 2694 1447 2112
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PLP Projections for 2014-15
Activity Phy (Ha) Fin. (` in lakh)
Social Forestry 7057 4542.52
Farm Forestry 5399 3630.80
Bamboo 12100 6349.11
Jatropha (Ratanjot) 14614 3978.98
Misc./WLD 7963 3828.47
TOTAL 47133 22329.88
5.6.3 Issues and Suggested Action Points Issues
l Activity over exploitation of the forest resources resulting in a wide gap between demand and supply.
l Diminishing of forestland due to various reasons viz., urbanisation, mining, quarrying, etc
l The credit disbursement to the sector is not encouraging. l Due to long gestation period of the forest species, bankers and farmers are
reluctant to take up commercial forestry. l There is a good potential for raising forest plantation for industrial use on the
revenue wastelands of the State. This is however, discouraged by Land ceiling Act and lack of policy on leasing revenue wastelands to interested entrepreneurs
Action points Government
l Forest department to improve the marketing infrastructure in the state, with user industry tie-up wherever possible
l Joint Forest Management Groups may be promoted for conservation of forests and marketing of minor forest produces besides livelihood
l Increasing the productivity of marginal forest land with active participation of forest -dwelling communities
l Establishment of forward and backward linkages for making afforestation programme on private lands a success.
Banks
l Bankers to guide and extend required credit support to the farmers undertaking commercial forestry activities
ANIMAL HUSBANDRY Animal Husbandry plays a vital role in the rural economy of the state by providing gainful employment to a large number of small and marginal farmers and enhancing their economic condition. Livestock sector alone contributes 5.4% of the state GDP. Of the country’s livestock population, Madhya Pradesh accounts for 10.21% of cattle and 7.74% of buffalo population. The state has a livestock population of 4.07 crore in
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addition to poultry population of 73.84 lakh. There was steady improvement in milk, meat and egg production during the last decade. 5.7 DAIRY DEVELOPMENT 5.7.1 The State ranks seventh among Indian states in milk production. Distribution of livestock in the state as per Livestock Census-2003 and 2007 are as under:
Livestock
Population (in lakh) Growth rate (%) 2003 2007
Cattle 189.12 219.154 11.16
Buffalo 75.75 91.29 20.5
As per Department of Animal Husbandry, Dairying and Fisheries, GoI, estimated milk production in the state during 2012-13 was 8.84 million tonnes which is 6.6% of the country’s milk production. The state does not have descript milch breed of cows and buffaloes and the productivity is low compared to national standards. The following agencies are operating in the State for the development of animal husbandry activities:
l Department of Animal Husbandry and Dairying l M P State Livestock & Poultry Development Corporation l M P State Co-op. Dairy Federation
Jawaharlal Nehru Krishi Vishwa Vidyalaya and three Veterinary Colleges in the State to provide animal technical support & training to the farmers on animal husbandry activities. There are 5089 functional dairy cooperative societies with 2.02 lakh members organised into 5 milk unions. Average milk procurement is about 7.36 lakh liters per day. There are 608 veterinary hospitals, 1738 veterinary dispensaries, 38 mobile veterinary hospitals, 27 Ambulatory Clinics, 22 disease investigation labs, 8 Animal Quarantine Stations, 1 veterinary biological vaccine & 1 serum production unit producing 18 type of vaccines, 19 Animal Check Posts, 2243 Artificial Insemination Centres, One State level Frozen Semen Institute, 27 Liquid Semen Centres, 4 Regional Frozen Semen institutes, 337 Buck Centres and 5 liquid Nitrogen plants in the State Animal Husbandry Department is having a big network of institutions to undertake its multifarious activities for its beneficiaries. This includes one fodder production farm, One bull rearing farm, 998 Gaushalas & 3 cattle feed plants, 8 Livestock breeding farms (at Sagar, Jabalpur, Balaghat, Tikamgarh, Chhind wara, Bhopal, Khargone and Shajapur), 4 Sheep breeding farms (2 at Shivpuri, Tikamgarh and Mandsaur), 10 Poultry farms (bhopal, Jabalpur, Chhindwara, Rewa, Gwalior, Jhabua, Guna, Sagar, Shahdol and Indore) and 3 cattle feed plants (2 by Milk Fed & 1 by Mark fed), 1 poultry & 2 AI Training Centers, in the State. However, the infrastructure available is inadequate to cater to the needs of the growing livestock population of the State.
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To cultivate green fodder, mini kits are being distributed free of cost to dairy farmers by the AH Department as well as the Dairy Federation.
State Dairy Federation has five milk unions, viz., Bhopal, Gwalior, Indore, Jabalpur and Ujjain. The unions have the capacity to hold 9 lakh liters per day (LLPD) and the capacity of the chilling plants is 4.36 LLPD. The five milk unions are providing milk marketing infrastructure in 44 districts of Madhya Pradesh. 5.7.2 Ground Level Credit (GLC) Flow and PLP Projections for the Sector:
(` in lakh)
Activity 2009-10 2010-11 2011-12 2012-13
Dairy 21667 25595 40369 40344
PLP Projections for 2014-15
Activity Phy (Nos) Fin. (`̀ in lakh)
Cross-breed Cows 45818 44012.58
Desi Cows 33592 23955.11
Buffaloes 106579 118015.05
Calf Rearing 7238 2599.79
Mini Dairy with sheds 6400 34816.85
Fodder Development 8576 4855.69
Veterinary Hospital/Clinic 207 399.70
Commercial Dairy 3235 30384.56
Misc. 5884 7198.24
Total 266237.57
5.7.3 Issues and Suggested Action Points Issues
l Low productivity of milch animals l Inadequate availability of green fodder l Lack of marketing facilities (remunerative prices for farmer - one of the limiting
factors) l Lack of sufficient veterinary health care services
Action points Government
l Strengthening of infrastructure of veterinary institutions for providing breeding and health services to farmers at door-step
l Establishment of organized livestock markets to facilitate easy trading of quality cattle and to eliminate middle-men.
l Promotion of fodder production schemes and fodder seed production l Milk marketing infrastructure of the State may be strengthened.
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Banks l Banks may ensure cultivation of green fodder as an integral part of commercial
dairy. l Borrowers having adequate infrastructure for fodder cultivation, access to
veterinary services and marketing tie-up may be encouraged to take up commercial dairy farming.
5.8 POULTRY 5.8.1 Poultry farming on a commercial as well as rural backyard basis provides supplementary income to the underemployed rural poor besides providing nutritional security. As per Livestock Census 2007, total poultry population is 73.84 lakh which is 36 % less as compared to Livestock Census 2003. Estimated egg production during 2012-13 was 871 million which constitutes a mere 1.2% of the country’s production. Population of the state being mostly vegetarian, the demand for eggs and meat is subdued. State Veterinary and Animal Husbandry Department and State Livestock & Poultry Development Corporation are providing the essential veterinary services and infrastructure facilities for poultry farming in the State. The Veterinary Department is having 9 poultry breeding farms, one poultry research farm & one poultry hatchery, one broiler production farm & one quail breeding and hatchery farm, one poultry training center in the state. However, the infrastructure available is inadequate to cater to the needs of the growing poultry industry of the State.
Besides Government hatcheries, M.P. Live Stock and Poultry Development Corporation has also got a hatchery at Bhopal and 2 private group of hatcheries are also functioning in the State. The department runs one poultry training center in Rewa for training of departmental officials and farmers. Private hatcheries of Jabalpur and Indore also provide poultry training for farmers. 5.8.2 Ground Level Credit Flow and PLP Projections for the Sector:
(` in lakh)
Sector 2009-10 2010-11 2011-12 2012-13
Poultry 1266 2435 3686 4645
PLP Projections for 2014-15:
S. No Activity Phy (Nos) Fin (`̀ in lakh)
1 Commercial Broilers 765 1501.88
2 Commercial Layers 401 2703.15
3 Miscellaneous 23139 12122.44
TOTAL 16327.47
5.8.3 Suggested Action Points Government
l Encouraging rearing of low input technology birds and establishing of mother units of backyard poultry.
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Banks l Backyard poultry may be encouraged on a large scale, especially among the
members of SHGs and JLGs in the tribal and other rural areas. 5.9 SHEEP / GOAT / PIGGERY 5.9.1 Among the major sources of income to small and marginal farmers, agricultural labourers and members of Self Help Groups, sheep, goat and pig farming is one of the major sources of income. Distribution of livestock in the State, as per Livestock Census-2003 and 2007 are as under:
S.No.
Livestock
Population (in lakh) Growth rate (%) 2003 2007
1 Sheep 5.46 3.89 (-) 28.6 2 Goat 81.42 90.13 10.7 3 Pig 3.75 1.92 (-) 46.1
State Veterinary and Animal Husbandry Department and State Livestock & Poultry Development Corporation are the developmental agencies providing essential veterinary services and breeding services for sheep, goat and pig farming in the State. 5.9.2 Ground Level Credit (GLC) Flow and PLP Projections for the Sector:
(` in lakh) Sector 2009-10 2010-11 2011-12 2012-13
SGP 2718.16 4508.95 8534.19 6598.48
PLP Projections for 2014-15
Activity Phy (Nos) Fin. (`̀ in lakh)
Goat rearing 27934 19427.48
Sheep rearing 6971 3775.91
Piggery 2282 5929.85
Miscellaneous 702 4937.56
TOTAL 34070.80
5.9.3 Action Points Government
l Strengthening the forward and backward linkages may ensure remunerative price for the livestock products and favour organised growth of the sector.
l Improvement in market linkages for live animals as well as meat, so as to ensure fair and remunerative prices to farmers.
Banks l Banks may encourage commercial sheep, goat and pig farming in and around
major cities.
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l Establishment of modern abattoirs and slaughter houses cum meat processing centers by private entrepreneurs with bank credit
5.10 FISHERIES DEVELOPMENT
5.10.1 Madhya Pradesh with its rich and varied water resources comprising rivers, reservoirs and ponds offers immense potential for fisheries development. By virtue of its landlocked geographical position, the State’s fisheries sector is entirely of “Inland” category. Fisheries, due to its potential for generation of employment and income is gaining more importance than before, especially for socio-economically weaker and backward communities of fishermen belonging to scheduled tribes and scheduled castes which constitute the poorest section of the society. The state has vast and varied resources of inland fisheries and is one of the richest in India. As per available data, total water area available in State is 3.95 lakh ha (reservoir 3.31 lakh ha and village ponds 0.64 lakh ha). So far 3.40 lakh ha of water area has been brought under fisheries development (98% of total water area), the details of which are as under.
Particulars Class Tanks/ Ponds (Nos) Water Area (Ha) Ponds 30705 64000
Reservoirs
Gram Panchayat Upto 10 Ha 841 5000
Janpad Panchayat 10-100 Ha 1632 45000
Zilla Panchayat 100-2000 Ha 167 41000
Dept of Fisheries 0-2000 ha 45 13500
Matsya Mahasangh Above 2000 ha 12 172000
TOTAL 2697 340500
The State produced 85235 metric tonnes of fish as against a target of 84000 tonnes. This was made possible mainly on account of the impressive performance by the private sector. As regards Fishermen Coop Societies, there are altogether 2061societies with 69937 members.
5.10.2 Ground Level Credit (GLC) Flow and PLP Projections for the Sector: (` in lakh)
Sector 2009-10 2010-11 2011-12 2012-13
Fisheries 1583.80 1912.78 3922.77 3791.14
PLP Projections for 2014-15
Activity Phy (Ha/ Nos) Fin. (`̀ in lakh)
Ponds Culture 6987 7380.12
New Ponds 3654 14456.80
Integ. fish farming 516 956.75
Hatchery /Seed Bank 1259 2460.71
Misc. 4258 1860.02
TOTAL 27114.40
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5.10.3 Issues and suggested Action Points
Issues l Lack of awareness on commercial fish farming and its income generating
capacities. l Poor quality of fish seed due to inbreeding depression.
Action Points Government l Farmers may be educated on the income generating capacity of commercial
aquaculture projects. Field visits for farmers may also be organised. l Integrated fish farming, incorporating dairy, horticulture, agriculture, poultry
etc. may be encouraged amongst small landholders. l Demonstration units may be established either under Govt. or private sector in
each district to create positive mindset amongst the bankers about fishery investments.
l Each potential block should have the rearing facility for acting as the nucleus seed supply centre.
l Development of modern fish markets
Banks l Fishermen Cooperative societies may be extended working capital loans. l Composite fish culture units may be financed in potential areas.
5.11 STORAGE GODOWNS AND MARKET YARDS 5.11.1 Post-harvest management of agricultural and horticultural produce has been one of the biggest challenges of all times. Post harvest losses can be prevented with proper storage and marketing arrangements. It is estimated that in our country, around 10% of food grains produced is lost every year for want of better storage facilities. Further, absence of proper storage arrangements compels farmers to go in for distress sales resulting in heavy losses. Hence there is an urgent need to establish storages/ cold storages for horticultural produce with grading facilities, market-yards with structures required for sale and purchase and rodent free dampness proof, properly ventilated structures for storage of food grains. Apart from that, agriculture sector needs well functioning markets to drive growth, employment and prosperity in rural areas. Regulated market yards at convenient production and marketing centres provide the platform for marketing and sale of agri produce. Rural Godowns in the state are mostly run by MP State Warehousing & Logistics Corporation (MPWLC) and Central Warehousing Corporation (CWC). CWC has a total storage capacity of about 11 lakh MT in the state and caters mostly to the needs of institutions like FCI which in turn also has its own storage capacity. Further, the MPWLC has a storage capacity of 58.11 lakh MT as detailed below:
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Sr No
Region No. of
branches No of
godowns Total Capacity
(Tons) % of
utilisation
1 Bhopal 45 508 1149471 92
2 Gwalior 40 385 731171 76
3 Jabalpur 38 591 1080667 88
4 Indore 32 348 390934 77
5 Ujjain 43 538 882444 84
6 Sagar 29 357 493239 93
7 Rewa 27 239 291710 78
8 Narmadapuram 28 349 790915 93
Total 282 3315 5810551 86
Cold Storage facilities ensure quality and extension of shelf life, prevent distress sale and glut situation during harvest and scarcity during off-season and provides marketing flexibility. Besides, marketing and transit centres like Indore and Gwalior, acting as links between production and consumption centres, also have good potential for cold storage facilities. Cold chain infrastructure under integrated production and post harvest management/processing system with upgraded technology is encouraged. National Horticulture Board (NHB) acts as nodal agency to promote Cold Storage in the country.
There are about 197 cold storages (172 in private, 20 in cooperative sector and 5 in public sector) with a capacity of 8.08 lakh tonnes in the state. Of these, majority are potato based cold storages. The cold storage facility created in the state is 3.7% of the total capacity created at all India level. 5.11.2 Ground Level Credit (GLC) Flow and PLP Projections for the Sector
(` in lakh)
Sector 2008-09 2009-10 2010-11 2011-12
SGMY 2376.78 29915.17 31731.40 52476.43
PLP Projections for 2014-15 ( Storage Godowns and Market yards) :
ACTIVITY Phy (MT) Fin.( `̀ in lakh)
Cold Storage 844895 47695.80
Market Yards 147378 36747.75
Godown 3976675 119254.89
Misc./Onion Godown 119127 12207.76
TOTAL 5088075 215906.20
5.11.3 Issues and suggested Action Points Issues
l Infrastructure amenities available in the regulated market yards of the state are inadequate
l Around 10% of the food grains lost every year for want of storage facilities
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l 25-30% horticultural produce is lost every year due to improper post harvest management.
l Need for reducing market margins l Lack of cold storages and cold chains especially in the rural areas resulting in
huge wastages in perishable commodities. Action Points Government
l For the storage of perishable agricultural commodities, warehouses with controlled temperature and humidity would have to be created.
l For better upkeep of storage goods and more efficient utilization of the godown the beneficiaries may be provided with training through training programs organized by any institute.
l With the help of farmers club or joint liability group or activity based groups, steps may be initiated to include small farmers under the scheme.
l Value addition method like grading, packing, and minimum processing which enhance the quality of the commodities in the market may be emphasized.
Banks
l Banks may encourage pledge financing against warehouse receipts l Producers organisations may be financed for creation of storage space.
5.12 RENEWABLE SOURCES OF ENERGY AND WASTE MANAGEMENT 5.12.1 Energy is the basic input for all economic activities. Renewable energy sources viz., solar energy, wind energy, bio -energy, hydropower, etc., also called non-conventional energy, are sources that are continuously replenished by natural processes. With escalating environmental problems with coal based projects, inherent issues and gestation period in hydro power projects, logistics and technical problems clouding atomic energy projects, in future, India has to depend on clean, rural based, cheap energy sources and can not ignore its potential.
The Ministry of New and Renewable Energy (MNRE), Government of India has introduced a subsidy linked credit scheme for Solar Off-grid (Photo-voltaic & thermal) and decentralized applications to promote commercial marketing of solar energy systems and devices by extending financial incentives in the form of capital and interest subsidy on loans availed from financial institutions by the target clientele. 5.12.2 PLP Projections for the Sector NABARD has estimated the PLP projections in respect of all types of investments possible under this sector in MP. The purpose -wise projection showing the number of units and the required bank loan both for private and under Govt. programme taken together for 2014-15 is presented below. (` Lakh)
Sector Physical Units Bank Loan
Renewable Sources of Energy 1,25,890 34860.00
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5.12.3 Issues and Suggested Action Points Issues
l The credit disbursement to the sector is not encouraging l Lack of awareness among the masses. l Lack of effective linkage between potential users / prospective entrepreneurs,
banks and the implementing agency. Action points Government
l The CSR initiatives of many leading public & private corporates may be tapped to create model villages for creating awareness on renewable energy concepts
l Lack of awareness among the masses may be addressed through print, audio and visual media.
l Need for creation of synergy between corporate sector, Govt labs/ institutions and NGOs so that low cost renewable energy technologies can be developed and disseminated in rural areas
Banks
l Finance may be extended to individuals for solar energy based equipment. 5.13 OTHER ACTIVITIES 5.13.1 Bullock and bullock carts are still a major source of farm power and means of rural transportation. The availability of animals in the local market remains good due to high turn over/replacement of animals. Bullock carts play major role in the transportation of goods in the interior of village. Govt. of M.P. has started the scheme “Subsidy on bullock cart” in the year 2007-08. Under this scheme poor farmers who have bullock can get bullock cart on 50% subsidy under this scheme.
Modernisation of agricultural practices demands augmented support and extension services for agriculture. For this purpose, a scheme for setting up Agriclinics and Agribusiness Centres (ACABCs) by agriculture graduates was launched with the support of NABARD. The objectives of ACABC include (i) to supplement the efforts of government extension system for agriculture and allied sectors, (ii) to make available supplementary sources of input supply and services to needy farmers and (iii) to provide gainful employment to unemployed graduates of agriculture and allied subjects in the new emerging areas of agriculture sector 5.13.2 PLP Projections for 2014
Activity Phy (units/nos.) Fin. (`̀ in lakh)
Bullocks 39736 14595.05
Bullock Carts 27733 9515.90
ACABC 900 11584.86
Misc. 31887 27500.41
TOTAL 63196.22
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5.13.3 Issues and Suggested Action Points Issues
l Poor progress of the ACABC scheme in MP as compared to other states l Poor success rate (less than 10%) in setting up of ACABCs by the trained
graduates l Inadequate follow up and handholding by the MANAGE sponsored Nodal
Training Institutes to guide the trainees in setting up ACABC ventures Action Points Government
l State Government may ensure adequate availability of essential veterinary services as well as good quality fodder seeds for the farmers
l Popularize ACABC scheme. Banks
l Banks may encourage financing quality plough animals and purchase of animals from neighbouring States.
l Consequent to the modifications in the ACABC scheme from 2010, there is scope for more beneficiary coverage and pass on the composite subsidy facility (up to 44%) to the beneficiaries. Banks may come forward to actively implement the scheme in Madhya Pradesh looking into the need for strengthening the agriculture extension and marketing services.
SECONDARY SECTOR
5.14 Micro and Small sector
5.14.1 Madhya Pradesh has enormous potential for industrial development due to abundance of natural resources. The industry sector absorbs proportionally less work force in comparison to its contribution to GSDP which varies in the range of 29% and 30% during 2007-08 to 2010-12. The performance of the industrial sector in the state during XI plan period can be termed as encouraging. The state has been able to keep pace with the rate of growth at the national level.
Micro, small and medium enterprises are an important employment generating sector, especially in the backdrop of dwindling employment opportunities in the agriculture sector. Development of MSME helps in c apital formation, growth of entrepreneurship among local people, reduced migration and ensures inclusive growth. Bank loans to micro and small enterprises in both manufacturing and service are eligible to be classified under priority sector.
The limits for investment in plant and machinery/equipment for manufacturing / service enterprise, as notified by Ministry of Micro Small and Medium Enterprises, vide, S.O.1642(E) dated September 9, 2006 are as under:-
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Sector Manufacturing Sector Service Sector
Investment in plant and machinery Investment in equipment
Micro < `.25 lakh < `.10 lakh
Small `.25 lakhs – `.5 crore `.10 lakhs – `.2 crore
Medium >`. 5.0 Crore >`. 2.0 Crore
Initiatives by Govt of India The initiatives of GoI include (i) Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE), (ii) The Credit Linked Capital Subsidy Scheme (CLCSS): (iii) Prime Minister's Employment Generation Programme (PMEGP) (iv) Integrated Handloom Development Scheme of GoI: (v) Swarojgar Credit Card Swarojgar Credit Card Swarojgar Credit Card Scheme(SCC) was introduced in September 2003 with an objective of providing adequate and timely credit, i.e., working capital or block capital or both to small artisans, handloom weavers, service sector, fishermen, self employed rickshaw owners and other micro entrepreneurs, from banking sector in a flexible, hassle free and cost effective manner. The progress in issuance of Swarojgar Credit Cards (SCCs) and General Credit Cards (GCCs) in the State as on 31.03.2013 was as under:
Agency SCC GCC
Target Ach. Target Ach.
Commercial Banks 4475 903 1366 10763
RRBs 8621 4271 4610 2956
Cooperative Banks 1960 642 0 0
Total 15056 5816 5976 13719
Madhya Pradesh Industrial Promotion Policy, 2010 The State Government had introduced a new Industrial Promotion Policy 2010 & Action Plan, which would be effective for 5 years. The main objectives of the Industrial Promotion Policy of Madhya Pradesh, 2010 are (i) to ensure faster economic development and employment generation by sustainable use of available resources in the State, (ii) make Madhya Pradesh a leading Industrial State by accelerating the pace of industrialisation, (iii) maximise employment opportunities, implement self employment schemes effectively and to provide jobs to local people in the upcoming industrial units in the state, (iv) attract investments in the industries and services sector by developing quality infrastructure, (v) ensure comprehensive development of industrial infrastructure, (vi) implement special scheme to prevent industrial sickness, (vii) ensure private sector participation in the State initiatives for industrialisation, (viii) promote agro based and food processing industries to help make agriculture a profitable proposition, (ix) encourage foreign direct investments, etc. Further, number of provisions have been incorporated in the policy for attracting industries, making employment available to local people and giving relaxation to various types of industries. State Government has announced special Packages for Textile Industry, units setup in Food Park, units setup in Stone Park, Automobile Components units, Pharmaceuticals and Herbal Industries, Restarting the Sick/Closed Industries
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rehabilitated through BIFR, Policy Package for Sick Industrial Units which are under construction of BIFR. Package of concessions for Mega Projects and Projects of special importance, Concession in land rates to Mega Industries, Concessional rates of land for Ware housing etc Food and Agro Processing The State of Madhya Pradesh offers immense scope in the field of Food and Agro processing as it is blessed with rich bio-diversity in its eleven agro climatic zones and availability of wide range of raw material base. It is the third largest producer of fruits and ranks fifth in the area & production of vegetables and one of the major producers of Spices, Cereals, pulses, oil seeds, and milk. The State is at present producing about 16.0 million tones of food grains ( Comprising Cereals 12.6 million tones and 3.4 million tones of Pulses ) and about 5.7 million tones of total Oilseed (Soybean Production is 4.44 m. tones ). Thus with these production level the State is Contributing about 7.7 % food grain production of the country. Various concessions and facilities are available under MP Food Processing Policy 2008 viz., (a) provision of Investment Promotion Assistance (IPA), (b) getting of land, five to twenty five acres, subject to availability, on concessional rate of 25%, (c) total exemption of stamp duty and the reduced registration charges (d) exemption of entry tax to new industries (e) Interest subsidy on term loan to the new units (f) existing units undergoing expansion / diversification / modernization to be treated as new units for the purpose of concessions and facility (g) exemption of mandi tax for all the food processing industries (h) reimbursement of expenditure on Quality Certification Cost (i) Subsidy on the cost incurred towards technology transfer (j) Incentives to participate in international fairs (k) reimbursement of expenditure incurred on preparing project reports for setting up industries (l) reimbursement of 50% expenditure in respect of food processing units for obtaining ISO 9000 certification from International Institutions, etc.
5.14.2 Ground Level Credit flow ( ̀ in lakh)
2010-11 2011-12 2012-13
Target Ach Target Ach Target Ach
NFS 283556.00 277146.05 353515.12 312495.04 602773.00 723104.04
% Ach. 97.74% 88.40% 120%
Growth (%) 12.75% 131% (as per reports received from DDMs)
The achievement vis-a-vis target under secondary sector together showed a positive trend over the years. MSME sector showed tremendous growth during 2012-13 and the achievement was a whopping 131% of the target.
Potential Linked Credit Plan (PLP) – Projections for 2014-15
Activity Phy (Nos) Fin. (`̀ in lakh)
Rural Artisans 45608 38852.32
Village Industries 58785 75311.95
SSI 33809 296629.02
Handloom / Powerloom 18765 15054.02
Tiny Sector 33377 91658.83
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Agro Industries 3700 10587.38
Misc. / Cane Bamboo 20486 60574.28
Work.Capital 0 135918.39
Agro Processing 17323 134530.95
TOTAL 859117.14
5.14.3 Issues and suggetsed Action Points
Issues
l Lack of adequate infrastructure particularly in rural areas l Rich heritage of talented artisans; but is an unorganised sector and lacks
marketing support l Institutional financing to artisans is not at expected level l Post harvest losses are very high in the State, especially under Horticultural
crops losses are estimated at about 25 to 30%. Value addition in dairy sector is on a lower side
Action Points Government
l Need for comprehensive survey to capture information on handicrafts units at village/town level
l Basic infrastructure like power, connectivity, water, processing units etc in rural areas.
l Development of handloom clusters to sustain the livelihood of the weavers and to preserve the traditional skill base.
l Proposals for establishing Agro processing units should also include a component for formation of Producers’ organization, which in turn will address the entire value chain issues.
l SHGs and SHG federations may be assisted in making traditional foods as per standardised norms, with proper training and financial back up. These groups may be trained at technology providing institutions and credit linkages can be established with Banks.
Banks
l Swarojgar Credit Card scheme for rural artisans and self employed persons need to be implemented effectively
l Bank branches may evolve a mechanism for on the spot clearing of proposals. Timely sanction of loans and covering the same under CGTMSE by banks.
l Availability of expertise and technical manpower in banks l Banks to consider the credit requirement of traditional sub-sectors of handlooms,
handicrafts, village artisans, KVI units to protect the livelihood of the sector and their employment generation potential.
TERTIARY SECTOR
5.15 OTHER PRIORITY SECTOR 5.15.1 Other Priority Sector, which is otherwise known as Services Sector is a critical segment of the economy, which helps in the marketing of goods and services. Lending
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to this sector assumes significance from the point of view of linkage support provided by it to primary and secondary sectors and the overall development of the district's economy. The activities under the sector are diverse in nature as they are need based. The other priority sector comprises road transport operators, retail trade and small business, professional and self employees, education, housing, consumption and other miscellaneous loans. The Planning Commission, while approving the plan for the sector, has expressed concern over the two social sectors, viz., health and education. 5.15.2 GLC Flow and PLP Projections (` in lakh)
Particulars 2010-11 2011-12 2012-13
Target Ach Target Ach Target Ach
OPS 322325.00 364793.00 391695.04 432423.58 421866.00 425449.14
% Ach. Vis a vis Target
113% 110% 101%
(as per reports received from DDMs)
The achievement vis -a-vis target under tertiary sector together showed a positive trend over the years. OPS sector showed tremendous growth during 2012-13 and the achievement was a whopping 101% of the target. For the year 2013-14 the Annual Credit Plan (ACP) for OPS has been fixed at `. 6542.54 crore. Potential Linked Credit Plan (PLP) – Projections for 2014-15
ACTIVITY PHY (Nos) FIN. (` in lakh)
Transport Operators 15876 143222.44
Retail Trade/Small Business 57549 122710.37
Prof.&Self Emp. 39854 147298.72
Education Loans 23694 99267.62
Housing Loans 44549 401214.92
Consumption Loans 43742 35611.09
Miscellaneous / Service Sector loans 40847 67347.09
TOTAL 1016672.25
5.14.3 Suggested Action Points: Government l Simplification of Registration process of land and housing property in the rural
area in order to increase the credit flow towards this sector. Banks l Banks may take initiatives to provide the credit facilities towards various activities
like housing, SRTO, education, small business, retail trade, health, DRI, SCC, etc. l Banks may provide information to the customers about the various schemes /
facilities being provided under OPS. l Banks may consider OPS as a business opportunity and extend more credit facility
under various schemes.
91
AN
NEX
UR
E 1
–
DIS
TRIC
T-W
ISE
AN
D S
ECTO
R-W
ISE
PLP
PRO
JECT
ION
S (2
014-
15 )
(`̀ in
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41
92
ANN
EXU
RE
1 (A
) D
ISTR
ICT-
WIS
E AN
D S
ECTO
R-W
ISE
PLP
PRO
JECT
ION
S (2
014-
15 )
FO
R S
HO
RT
TER
M C
RED
IT F
OR
PR
OD
UCT
ION
, MAR
KETT
ING
AN
D F
OO
D S
ECU
RIT
Y
(`̀
in la
kh)
Sr.
Nam
e of
the
Gra
m
Whe
at
Soya
bean
Pa
ddy
Jow
ar/M
aize
Ve
geta
bles
Pu
lses
O
ilsee
ds
Mis
c. /
Spi
ces
Tota
l M
aint
& C
onsu
mpt
ion
Gra
nd T
otal
No.
D
istr
ict
Phy.
Fi
n.
Phy.
Fi
n.
Phy.
Fi
n.
Phy.
Fi
n.
Phy.
Fi
n.
Phy.
Fi
n.
Phy.
Fi
n.
Phy.
Fi
n.
Phy.
Fi
n.
Phy.
Fi
n.
Cons
(1
0%)
Mai
n(20
%)
Phy.
Fi
n.
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ANN
EXU
RE
1 (B
) D
ISTR
ICT-
WIS
E AN
D S
ECTO
R-W
ISE
PLP
PRO
JECT
ION
S (2
014-
15 )
FO
R W
ATER
RES
OU
RCE
S
(`̀
in la
kh)
Sr.
Nam
e of
the
Dug
wel
ls
Die
sel G
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atio
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ning
of
wel
ls
Mis
c./O
ther
s To
tal
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D
istr
ict
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Ba
nk
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N
o.
Bank
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an
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Ba
nk
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ha
. Ba
nk
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o.
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Bank
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an
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Bank
Lo
an
No.
Ba
nk L
oan
No.
Ba
nk
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o.
Bank
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n
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AN
NEX
UR
E 1
(C
) D
ISTR
ICT-
WIS
E A
ND
SEC
TOR
-WIS
E P
LP P
RO
JEC
TIO
NS
(2
01
4-1
5 )
FO
R L
AN
D D
EVEL
OP
ME
NT
(`̀
in la
kh)
Sr.
N
ame
of t
he
Lan
d le
velli
ng
NA
DEP
Com
post
V
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CO
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n F
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tal
No.
D
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ict
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ank
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ank
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ank
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1
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26
0.0
0
10
25
3
19
3.0
0
33
R
ais
en
34
50
1
38
68
.90
2
00
0
30
43
.00
5
90
2
97
58
.30
1
13
52
2
66
70
.20
34
R
ajg
arh
1
98
0
84
24
.00
2
40
3
34
.08
9
00
6
48
.00
3
96
8
15
.76
3
51
6
10
22
1.8
4
35
R
atl
am
1
16
5
40
27
.16
3
0
41
.52
5
20
3
63
.52
1
46
1
34
48
.44
3
17
6
78
80
.64
36
R
ew
a
18
70
7
12
8.0
0
22
40
3
10
0.1
6
60
00
6
12
0.0
0
74
3
27
28
.32
1
08
53
1
90
76
.48
37
S
ag
ar
87
5
56
70
.00
1
30
2
18
01
.97
1
30
1
19
25
.48
7
6
10
21
.44
3
55
4
10
41
8.8
9
38
S
atn
a
23
80
1
26
29
.40
9
3
14
60
.10
1
10
0
88
0.0
0
4
67
.20
3
57
7
15
03
6.7
0
39
S
ehor
e
17
00
7
50
0.0
0
16
00
2
36
8.0
0
98
24
4
48
2.5
6
13
12
4
14
35
0.5
6
40
S
eon
i 1
50
0
67
39
.20
3
25
4
49
.83
5
50
3
52
.00
1
00
00
1
68
0.0
0
12
37
5
92
21
.03
41
S
ha
hd
ol
11
2
52
4
97
1
34
.45
6
8
10
0.4
7
15
7
3.6
3
29
2
83
2.7
1
42
S
ha
jap
ur
24
00
1
05
60
.00
4
80
6
68
.16
1
40
0
10
08
.00
8
00
8
51
.20
5
08
0
13
08
7.3
6
43
S
heo
pu
r 1
01
5
50
69
.20
1
60
2
21
.44
3
10
2
03
.36
9
60
4
37
.76
2
44
5
59
31
.76
44
S
hiv
pu
ri
11
40
5
97
3.6
0
14
0
19
3.7
4
49
0
32
1.4
3
12
80
5
83
.68
3
05
0
70
72
.45
45
S
idh
i 5
12
2
04
7.6
4
17
0
23
5.2
8
22
5
14
4
36
3
12
85
.32
1
27
0
37
12
.24
46
S
ing
roli
33
0
13
21
.60
1
04
1
43
.94
2
9
38
9.7
6
46
3
18
55
.30
47
T
ika
mg
arh
3
50
1
52
8.2
6
15
50
2
29
4.0
0
58
5
46
8.0
0
24
85
4
29
0.2
6
48
U
jja
in
15
30
7
05
0.4
0
10
20
1
41
3.3
1
11
40
1
20
8.4
0
22
70
3
42
1.3
5
59
60
1
30
93
.46
49
U
ma
riya
5
5
26
3.6
6
35
4
8.4
4
12
1
7.7
6
49
8
1.5
8
15
1
41
1.4
4
50
V
idis
ha
15
10
6
79
8.5
6
90
0
13
69
.35
5
27
5
98
.62
2
93
7
87
66
.53
T
ota
l 7
54
67
3
30
58
1.8
3
21
53
7
31
35
7.3
6
38
14
1
42
45
0.2
1
10
27
34
6
62
63
.62
2
37
87
9
47
06
53
.02
96
ANNE
XURE
1 (E
) -
DI
STRI
CT-W
ISE
AND
SECT
OR-W
ISE
PLP
PROJ
ECTI
ONS
(201
4-15
) FO
R PL
ANTA
TION
& H
ORTI
CULT
URE
(`̀
in la
kh)
Na
me
of th
e M
ango
Le
mon
/Ora
nges
Be
r Gu
ava
Apicu
lture
Am
la
Med
icina
l Pla
nts
Vege
tabl
es
Pom
egra
nate
Fl
oricu
lture
Ot
hers
TO
TAL
No.
Dist
rict
Area
Bk
. Loa
n Ar
ea
Bk L
oan
Area
Bk
Lo
an
Area
Bk
Loa
n Ar
ea
Bk
Loan
Ar
ea
Bk L
oan
Area
Bk
Loa
n Ar
ea
Bk L
oan
Area
Bk
Loa
n Ar
ea
Bk L
oan
Area
Bk
Loa
n Ar
ea
Bank
Loa
n
1 Al
irajp
ur
160
322.
56
120
125.
76
70
14.5
6 12
0 10
2.72
50
36
.80
22
61.7
8
50
32
.80
16
25.2
2
60
8 72
2.20
2 An
uppu
r 99
95
.63
22
23.0
2
49
41
.82
39
28.8
1 91
79
.58
28
29.9
0
32
8 29
8.76
3 As
hokn
agar
88
84
.48
120
124.
80
220
186.
56
330
242.
88
35
32.0
4 80
12
8.00
70
26
.66
943
825.
42
4 Ba
lagh
at
245
237.
16
100
85.6
0 75
30
.00
110
80.9
6 80
40
.30
70
14.5
6
50
38
.40
40
9.92
77
0 53
6.90
5 Ba
rwan
i 33
0 31
9.44
33
0 34
5.84
47
0 34
9.68
14
40
389.
76
90
72.6
0 90
0 90
0.00
35
60
2377
.32
6 Be
tul
225
453.
60
115
120.
52
150
128.
40
165
121.
44
80
85.1
1 20
23
.40
755
932.
47
7 Bh
ind
93
97.3
2
50
42
.69
167
65.5
7 90
66
.53
75
191.
46
42
49.0
5 77
55
.00
594
567.
62
8 Bh
opal
27
0 26
1.36
62
5 65
5.00
11
0 94
.16
800
309.
31
110
80.9
6 90
0 61
2.00
20
00
2595
.20
100
82.3
2 49
15
4690
.31
9 Bu
rhan
pur
46
44.4
4 82
86
.23
36
30.8
5 8
3.22
77
56
.92
43
19.5
1 52
10
.92
22
23.6
5 51
39
.84
154
136.
91
571
452.
49
10
Chat
tarp
ur
400
907.
20
155
182.
33
3760
27
6.74
41
3 25
2.76
37
9 16
3.73
11
3 18
9.01
52
20
1971
.77
11
Chhi
ndw
ara
500
484.
00
1515
0 15
877.
20
175
149.
81
100
40.0
0 35
0 25
7.60
97
0 46
7.32
10
0 11
6.80
45
0 36
6.00
17
795
1775
8.73
12
Dam
oh
64
129.
54
150
157.
20
31
6.43
14
8 12
6.69
2
0.81
17
5 12
8.80
51
6.
00
9 9.
64
29
33.8
8 12
8.
55
671
607.
54
13
Datia
20
40
.44
150
156.
96
325
277.
42
75
26.4
0 37
5 27
7.20
90
0 40
9.68
75
10
.50
60
84.4
8 21
26
.40
2001
13
09.4
8
14
Dew
as
13
26.3
2 10
3 10
7.91
20
17
.13
40
29.4
3 50
10
1.44
72
30
2195
.52
10
10.7
0 62
73
.20
125
207.
22
7653
27
68.8
7
15
Dhar
31
5 34
0.20
70
0 73
3.60
32
5 23
9.20
12
14
855.
79
1090
0 24
64.8
0 13
454
4633
.59
16
Dind
ori
230
220.
80
85
88.4
0
86
63
.29
92
67.5
7 49
3 44
0.06
17
Guna
12
7 12
2.67
20
0 20
9.26
12
7 10
8.51
17
9 13
2.25
80
74
.60
220
352.
00
55
61.1
6 12
7 90
.68
1115
11
51.1
3
18
Gwal
ior
100
202.
24
1100
11
51.0
4
12
00
1024
.32
50
17.6
0 11
00
813.
12
350
158.
35
50
7.00
20
0 28
1.60
38
41
.60
4188
36
96.8
7
19
Hard
a 36
0 33
1.20
60
0 59
5.20
26
0 22
6.30
4
1.76
20
0 14
0.80
60
21
.20
595
358.
60
15
15.2
4 11
5 14
5.64
26
5 14
2.20
24
74
1978
.14
20
Hosh
anga
bad
850
782.
00 77
5 76
8.80
250
203.
20
15
0 10
5.60
150
98.8
6 48
70
2107
.00
80
162.
26 11
3 50
.32
7238
42
78.0
4
21
Indo
re
400
596.
48
2200
18
77.9
2
30
0 22
1.52
19
20
905.
60
300
320.
40
1812
20
57.0
4 20
66
3083
.28
8998
90
62.2
4
22
Jaba
lpur
27
0 26
1.36
65
68
.12
145
124.
12
500
368.
00
270
448.
96
5 5.
50
18
19.3
2 70
81
.76
124
66.5
1 14
67
1443
.65
23
Jhab
ua
372
749.
95
280
293.
44
140
29.1
2 34
0 29
1.04
32
0 23
5.52
60
16
8.48
60
94
.56
163
106.
93
1735
19
69.0
4
24
Katn
i 14
5 14
0.36
56
58
.30
13
2.85
47
38
.90
40
3.67
25
8 18
9.89
14
5 39
4.40
21
8 25
0.38
85
60
.53
1007
11
39.2
8
25
Khan
dwa
88
85.0
1 25
0 26
2.02
56
20
.71
12
10.2
7 36
14
.52
275
203.
29
351
142.
99
79
16.5
9 42
45
.02
143
111.
72
160
151.
37
1492
10
63.5
1
26
Khar
gone
35
0 33
8.80
35
0 36
6.80
95
0 81
3.20
60
0 44
6.40
60
38
.40
1385
39
6.80
45
0 48
2.40
21
0 19
2.40
43
55
3075
.20
27
Man
dla
400
384.
00
202
210.
08
209
153.
82
275
246.
77
1086
99
4.67
28
Man
dsau
r 40
0 40
0.00
45
00
4680
.00
400
342.
40
1200
88
3.20
65
0 64
3.00
11
00
1170
.40
900
1360
.80
300
213.
60
9450
96
93.4
0
29
Mor
ena
100
104.
63
20
6.73
70
59
.77
200
73.9
2 77
56
.91
50
127.
62
54
63.0
8 77
55
.00
648
547.
66
30
Nars
ingh
pur
610
590.
48
101
105.
85
229
196.
03
169
124.
38
120
37.1
5
20
3 14
4.54
14
32
1198
.43
31
Neem
uch
90
90.0
0 36
0 37
4.40
90
77
.04
120
88.3
2 20
0 40
.00
90
95.7
6 60
90
.72
30
47.0
4 10
40
903.
28
32
Pann
a 95
11
4.67
30
39
.24
178
164.
38
140
326.
16
443
644.
45
33
Raise
n 57
7 58
3.92
63
9 62
9.52
50
0 42
8.00
30
0 22
0.80
17
66
965.
60
200
212.
80
3 4.
73
503
453.
20
4488
34
98.5
7
34
Rajg
arh
600
950.
40
270
282.
96
120
102.
72
600
446.
40
60
64.3
2 44
63
.74
120
206.
40
1814
21
16.9
4
35
Ratla
m
320
309.
76
450
468.
80
320
273.
93
100
73.6
0 43
0 15
9.37
13
178
4220
.62
100
101.
62
400
232.
40
600
1648
.00
1589
8 74
88.1
0
36
Rew
a 21
5 25
8.00
21
5 18
4.04
21
5 15
8.24
94
66
.83
2026
12
36.1
6
6
4.94
27
71
1908
.21
37
Saga
r 52
0 10
52.4
8 67
5 70
7.40
29
5 61
.36
580
496.
48
2 0.
80
900
662.
40
45
14.4
3
55
58
.99
100
116.
80
453
322.
54
3625
34
93.6
8
38
Satn
a 24
0 28
9.68
20
0 26
1.58
14
0 12
9.29
52
5 72
0.07
11
05
1400
.62
39
Seho
re
70
141.
70
70
73.3
6
70
59
.90
70
51.5
0 14
0 67
.20
900
225.
60
140
182.
55
720
305.
60
2180
11
07.4
1
40
Seon
i 60
0 58
0.80
48
0 50
3.04
37
5 32
1.00
30
12
.00
400
294.
40
410
151.
70
75
87.6
0 10
8.
58
2380
19
59.1
2
41
Shah
dol
81
78.2
5 29
30
.33
52
44.3
8
10
9 80
.53
12
4.44
10
10
.69
9 10
.50
28
19.9
9 33
0 27
9.11
42
Shaj
apur
32
0 50
6.88
24
00
2599
.04
240
205.
44
30
12.8
0 10
40
773.
76
160
171.
52
480
658.
56
1360
12
90.8
8 60
30
6218
.88
43
Sheo
pur
213
206.
61
62
65.1
0 15
8 33
.18
140
119.
84
240
176.
64
211
88.2
2
19
0 22
1.92
12
14
911.
54
44
Shiv
puri
220
212.
96
205
214.
84
180
35.1
1 24
6 21
0.58
32
0 23
5.52
44
9 35
3.08
18
0 19
7.10
18
00
1459
.19
45
Sidh
i 66
79
.20
35
7.28
66
56
.50
66
48.5
8 56
55
.90
640
453.
63
20
16.4
8 94
9 71
7.54
46
Sing
roli
38
45.6
0
14
11
.98
18
13.2
5 18
21
.16
241
158.
14
14
11.5
4 34
3 26
1.68
47
Tika
mga
rh
147
296.
35
111
116.
15
1 21
10
3.19
18
7.
20
42
31.0
1 81
70
.52
1760
21
12.0
0 21
59
2736
.42
48
Ujja
in
400
596.
48
1200
12
55.6
8
40
0 34
1.44
60
0 44
3.04
29
0 21
6.15
52
0 37
1.81
22
5 59
3.20
36
35
3817
.80
49
Umar
iya
75
84.0
0 33
34
.58
55
41.5
9 39
15
.91
220
161.
92
17
17.9
3 25
15
.20
28
21.2
7 49
2 39
2.40
50
Vidi
sha
200
202.
40
400
419.
20
300
256.
80
300
220.
80
1364
58
5.79
20
0 21
2.80
20
0 17
6.00
29
64
2073
.79
To
tal
1256
4 15
631.
86
3419
3 35
830.
85
998
217.
33
1151
6 99
34.6
8 16
76
635.
49
1806
7 10
886.
32
1154
6 76
98.2
7 36
645
1400
2.02
30
16
3191
.01
8776
10
457.
11
2367
9 17
088.
57
1626
76
1255
73.5
2
97
ANNEXURE 1 (F) - DISTRICT-WISE AND SECTOR-WISE PLP PROJECTIONS (2014-15 ) FOR FORESTRY & WLD
(`̀ in lakh)
S.No.
District Social Forestry Farm Forestry Bamboo Jatropha
(Ratanjyot) Misc./WLD Forestry Total
Phy. Bank Loan Phy. Bank
Loan Phy.
Bank Loan Phy. Bank
Loan Phy. Bank Loan Phy. Bank
Loan
1 Alirajpur 6 5.67 50 30.60 64 33.41 120 69.68
2 Anuppur
86
95.22
52
29.02
29
7.77
167
132.01
3 Ashoknagar
74
39.96
1
0.32 70
40.95
145
81.23
4 Balaghat
90
17.82
110
24.75
50
14.40
155
66.69
405
123.66
5 Barwani
475
448.88
550
287.10
350 157.50
40
37.80
1415
931.28
6 Betul
32
18.14
80
41.76
130
68.05
242
127.95
7 Bhind
294
76.47
641
357.68
935
434.15
8 Bhopal
100
18.90
200
43.56
120
32.67
600
243.00
1020
338.13
9 Burhanpur
10
6.14
69
27.81
12
11.34
4
21.17
95
66.46
10 Chattarpur
800
112.20
338
63.21
562
136.56
1700
311.97
11 Chhindwara
450
101.28
750
216.00
1550
610.68
2750
927.96
12 Damoh
110
62.37
59
16.75
89
46.28
258
125.40
13 Datia
200
162.00
150
81.00
250
67.50
600
310.50
14 Dewas
1200
648.00
300
94.50
100
81.00
1600
823.50
15 Dhar
35
34.03
60
32.40
1050
330.76
135
109.35
1280
506.54
16 Dindori
235
222.10
235
222.10
17 Guna
400
234.00
133
71.82
7
2.21
540
308.03
18 Gwalior
1000
810.00
215
116.10
1800
270.00
3015
1196.10
19 Harda
945
790.97
775
697.50
525
124.12
2245
1612.59
20 Hoshangabad
1750
1575.00
1750
1464.75
1750
481.42
5250
3521.17
21 Indore
50
25.96
100
141.76
150
167.72
22 Jabalpur
190
102.60
130
40.95
500
189.00
820
332.55
23 Jhabua
5
4.73
42
25.70
60
31.32
107
61.75
24 Katni
221
49.74
131
37.73
238
92.12
590
179.59
25 Khandwa
51
31.32
326
76.78
26
24.58
23
42.71
426
175.39
26 Khargone
45
42.53
200
104.40
320
109.44
36
34.02
601
290.39
27 Mandla
555
524.48
555
524.48
28 Mandsaur
80
32.40
120
64.80
107
28.89
80
21.60
387
147.69
29 Morena
191
49.66
1002
156.01
1193
205.67
30 Narsinghpur
85
18.35
78
21.06
61
58.74
224
98.15
31 Neemuch
80
32.40
40
21.60
100
27.00
100
27.00
320
108.00
32 Panna
144
46.08
170
54.40
314
100.48
33 Raisen
570
366.80
400
217.80
407
361.35
1377
945.95
34 Rajgarh
150
94.50
150
81.00
600
324.00
450
113.40
91
94.91
1441
707.81
35 Ratlam
100
22.50
100
42.31
135
45.31
335
110.12
36 Rewa
240
97.20
410
221.40
357
96.39
1007
414.99
37 Sagar
913
517.70
46
13.06
561
291.57
1520
822.33
38 Satna
106
106.00
260
143.00
366
249.00
39 Sehore
150
81.00
150
47.25
150
121.50
450
249.75
40 Seoni
600
135.03
100
28.80
525
171.44
1225
335.27
41 Shahdol
168
139.49
68
37.64
6
1.78
242
178.91
42 Shajapur
4
2.52
4
2.16
1360
734.40
2000
504.00
24
21.64
3392
1264.72
43 Sheopur
148
46.62
214
123.26
188
54.14
294
148.55
844
372.57
44 Shivpuri
550
232.66
190
59.86
220
126.72
350
100.81
22
24.97
1332
545.02
45 Sidhi
277
112.19
39
21.06
220
59.40
536
192.65
46 Singroli
65
26.33
85
45.90
65
17.55
215
89.78
47 Tikamgarh
291
235.71
58
31.32
211
56.97
560
324.00
48 Ujjain
420
218.11
200
113.40
120
28.62
740
360.13
49 Umariya
75
58.73
40
9.01
25
6.98
140
74.72
50 Vidisha
100
17.82
651
154.68
850
252.45
106
104.94
1707
529.89
Total
7057
4542.52
5399
3630.80
12100
6349.11
14614
3978.98
7963
3828.47
47133
22329.88
98
ANNEXURE 1 (G) - DISTRICT-WISE AND SECTOR-WISE PLP PROJECTIONS (2014-15 ) FOR SERICULTURE
(`̀ in lakh)
Area (ha) Bank Loan 1 Alirajpur
2 Anuppur 3 Ashoknagar 8 3.20 4 Balaghat 36 24.16
5 Barwani 6 Betul 200 252.80 7 Bhind
8 Bhopal 9 Burhanpur 10 9.20
10 Chattarpur
11 Chhindwara 12 Damoh
13 Datia 14 Dewas 15 Dhar
16 Dindori 75 94.20 17 Guna 82 57.76 18 Gwalior
19 Harda 25 15.60 20 Hoshangabad 1710 2033.60 21 Indore
22 Jabalpur 70 88.48 23 Jhabua 24 Katni 30 7.57
25 Khandwa 25 24.69 26 Khargone 27 Mandla 100 125.61
28 Mandsaur 29 Morena 30 Narsinghpur
31 Neemuch 32 Panna 33 Raisen
34 Rajgarh 35 Ratlam
36 Rewa 37 Sagar 38 Satna
39 Sehore 50 63.20 40 Seoni 41 Shahdol
42 Shajapur 1 16.00 43 Sheopur 44 Shivpuri
45 Sidhi 46 Singroli 47 Tikamgarh
48 Ujjain 50 63.00 49 Umariya 17 21.48 50 Vidisha
Total 2489 2900.55
99
AN
NEX
UR
E 1
(H
) -
- D
ISTR
ICT
-WIS
E A
ND
SE
CT
OR
-WIS
E P
LP P
RO
JEC
TIO
NS
(2
01
4-1
5 )
FO
R A
NIM
AL
HU
SB
AN
DR
Y (
DD
)
(
`̀ in
lakh
)
Sr.
N
ame
of t
he
C
ross
-bre
ed C
ows
Des
i Cow
s B
uff
aloe
s C
alf
Rea
rin
g M
ini D
airy
sh
eds
Fod
der
D
evel
opm
ent
Vet
erin
ary
Hos
pit
al/C
lini
c C
omm
erci
al D
airy
M
isc.
/ D
airy
P
roce
ssin
g
Tota
l
No.
D
istr
ict
Ph
y.
BL
Ph
y.
BL
Ph
y.
BL
Ph
y.
BL
Ph
y.
BL
Ph
y.
BL
Ph
y.
BL
Ph
y.
BL
Ph
y.
BL
Ph
y.
BL
1
Ali
rajp
ur
83
9
55
8.7
7 4
84
5
44
.50
52
3
19
.18
13
75
1
42
2.4
5
2
An
up
pu
r
3
12
2
06
.40
96
4
10
84
.07
5
30
.72
9
2.1
2
12
90
1
32
3.3
1
3
Ash
okn
agar
2
22
2
27
.77
71
5
49
2.7
1 5
50
6
18
.75
13
0
31
.59
- 1
22
.76
10
1
08
.00
16
27
1
60
1.5
8
4
Bal
agh
at
20
00
1
35
0.0
0
3
20
0
36
00
.00
10
0
31
5.0
0 2
5
22
5.0
0
4
0
48
6.0
0 2
00
4
6.8
0 5
56
5
60
22
.80
5
Bar
wan
i 2
50
0
16
65
.00
22
40
2
52
0.0
0
4
0
24
5.8
8
2
6
1.4
3 5
0
58
.50
48
32
4
55
0.8
1
6
Bet
ul
43
5
44
6.3
1 7
5
49
.30
24
5
27
5.6
5
2
80
1
71
8.6
4
1
4
42
9.9
4
1
04
9
29
19
.84
7
Bh
ind
45
5
46
8.9
0 1
24
8
2.0
3 3
69
7
41
59
.13
68
4
17
.70
68
8
8.3
9 4
41
2
52
16
.15
8
Bh
opal
3
00
0
30
78
.00
30
0
19
9.8
0 2
00
0
22
50
.00
20
1
17
.00
10
6
1.4
8 8
00
8
6.4
0 4
9
.00
1
0
12
2.9
4 2
46
2
53
.44
63
90
6
17
8.0
6
9
Bu
rhan
pu
r 2
07
2
13
.22
19
6
14
2.6
2 4
60
4
51
.67
23
1
04
.33
17
3
10
63
.43
40
4
35
.60
32
2
97
.45
11
31
2
70
8.3
2
10
C
hat
tarp
ur
47
0
45
5.4
3
1
79
6
19
06
.72
8
16
.00
22
74
2
37
8.1
5
11
C
hh
ind
war
a 2
75
0
28
21
.50
40
0
26
6.4
0 1
12
5
12
65
.65
50
3
07
.35
10
05
1
03
.75
2
4.7
4
60
0
43
.20
59
32
4
81
2.5
9
12
D
amoh
8
31
8
52
.61
21
25
1
41
5.2
5 2
30
0
25
87
.50
73
4
48
.75
7
66
.15
13
3
99
.31
34
3
13
5.6
9 5
69
2
59
05
.26
13
D
atia
7
00
7
21
.36
65
0
42
9.9
8 1
55
0
17
43
.76
32
5
19
96
.31
32
25
4
89
1.4
1
14
D
ewas
1
40
0
14
36
.40
30
00
3
37
5.0
0
3
0
67
.50
6
10
8.0
0 4
43
6
49
86
.90
15
D
har
1
30
0
13
33
.80
30
0
19
9.8
0 1
30
0
14
62
.50
30
0
67
.54
14
12
4
41
.00
35
2
15
.12
74
0
12
15
.00
53
87
4
93
4.7
6
16
D
ind
ori
22
5
23
0.8
5
1
92
2
16
.00
8
49
.11
42
5
49
5.9
6
17
G
un
a 2
80
2
88
.41
10
01
6
75
.91
24
0
26
9.8
9 1
57
0
38
8.0
1
6
0
36
8.5
5 2
0
21
6.0
0 3
17
1
22
06
.77
18
G
wal
ior
18
00
1
85
4.9
0 2
50
1
65
3.7
5 5
25
0
59
06
.25
18
00
1
10
56
.51
91
00
2
04
71
.41
19
H
ard
a
1
40
0
88
2.0
0 5
00
0
49
05
.00
10
1
0.7
1 1
75
1
02
3.7
5 2
0
19
.80
18
5
26
.50
10
9
6.7
5 6
63
3
74
64
.51
20
H
osh
ang
abad
9
95
6
26
.85
45
20
4
43
4.1
2
2
05
1
19
9.2
5 8
7
.92
1
5
27
.00
50
1
46
2.5
0 1
0
18
0.0
0 5
80
3
79
37
.64
21
In
dor
e 1
70
0
17
50
.32
23
00
2
58
5.4
3 7
00
1
78
.29
17
00
1
41
27
.75
64
00
1
86
41
.79
22
Ja
bal
pur
1
00
0
10
26
.00
13
50
1
51
8.7
5 2
95
7
1.7
0
2
64
5
26
16
.45
23
Jh
abu
a 8
61
5
73
.43
42
0
47
2.5
0
5
2
31
9.1
8
1
33
3
13
65
.11
24
K
atn
i 78
0 76
6.2
78
0 51
9.4
8 14
02
15
77.2
7 18
0 40
.98
60
20
7.9
8 24
5.7
4
3
21
0
33
57
.57
25
K
han
dw
a 4
86
5
00
.59
21
5
15
6.4
4 9
29
9
16
.13
15
6
8.0
4 6
2
38
1.1
2
1
7
18
5.1
3 5
5
7.9
1 1
72
9
22
65
.36
26
K
har
gon
e
4
82
5
32
13
.45
34
45
3
87
5.6
3
7
5
46
1.0
3
6
5
76
.05
2
24
.56
84
12
7
65
0.7
2
27
M
and
la
29
8
33
5.2
7
4
48
4
59
.65
30
1
84
.17
77
6
97
9.0
9
28
M
and
sau
r 1
50
0
15
39
.00
10
00
6
57
.00
32
00
3
60
0.0
0
1
00
6
14
.70
10
00
9
90
.00
40
9
4.6
8
6
84
0
74
95
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29
M
oren
a 7
00
7
21
.38
25
0
16
5.3
9 3
50
0
39
37
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39
5
24
26
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51
6
6.3
0 4
89
6
73
16
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30
N
arsi
ng
hp
ur
76
0
49
9.3
2 1
00
0
11
25
.01
9
55
.26
12
1
1.3
4
1
78
1
16
90
.93
31
N
eem
uch
9
00
9
23
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18
00
1
18
2.6
0 2
00
0
22
50
.00
50
5
53
.23
60
5
9.4
0 5
0
11
8.3
6
4
86
0
50
86
.99
32
P
ann
a 4
00
2
94
.00
45
0
55
8.0
0 5
00
1
00
.00
30
0
30
.00
16
50
9
82
.00
33
R
aise
n 4
00
4
49
.82
10
00
6
61
.50
10
00
1
12
4.5
5 3
00
3
69
.90
11
0
67
5.6
6 1
36
1
28
.52
10
1
22
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21
4
9.6
3 2
97
7
35
82
.43
34
R
ajg
arh
6
00
6
21
.00
10
50
7
08
.75
60
0
67
5.0
0
3
6
11
1.4
6 4
08
1
67
1.8
4
6
0
12
22
.02
27
54
5
01
0.0
7
35
R
atla
m
30
0
19
9.8
0 4
80
4
92
.48
33
8
38
0.2
5
1
00
6
77
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10
0
9.9
0
12
0
18
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14
38
1
77
8.1
3
36
R
ewa
12
35
1
26
7.1
1
1
56
0
17
55
.00
98
0
23
8.1
4 2
2
13
5.2
3 8
20
3
06
.05
39
0
91
.26
50
07
3
79
2.7
9
37
S
agar
4
93
7
50
65
.36
60
50
4
02
9.3
0 5
29
3
59
54
.63
25
0
15
36
.75
13
1
22
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12
3
68
.63
15
8
27
7.1
6 1
67
13
1
73
54
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38
S
atn
a 2
09
6
15
40
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89
3
11
07
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13
52
2
70
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67
6
67
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50
17
2
98
5.8
8
39
S
ehor
e 2
00
0
20
52
.00
48
00
5
40
0.0
0
9
0
67
5.0
0 6
89
0
81
27
.00
40
S
eon
i 6
25
6
41
.25
40
0
26
6.4
0 2
75
3
09
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14
0
86
0.6
0 5
01
5
0.4
7 1
2
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2
0
1.4
2
19
62
2
13
1.9
1
41
S
hah
dol
4
60
3
04
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60
1
67
5.8
6
5
69
3
49
5.0
9
3
68
1
11
.92
19
98
4
58
7.1
6
42
S
haj
apu
r
3
20
0
21
31
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25
60
2
88
0.0
0
1
6
49
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10
9
4.5
0
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3.6
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18
9
53
40
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43
S
heo
pu
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20
2
79
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60
0
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15
3.0
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20
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2
31
9.6
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30
5
97
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15
56
2
02
8.0
6
44
S
hiv
pu
ri
56
0
37
2.9
7
6
12
6
88
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72
4
42
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34
4
9.2
9
10
6
65
1.5
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52
1
13
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94
6
32
99
.06
45
S
idh
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20
5
33
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90
0
10
12
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36
0
87
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28
1
72
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50
0
16
2.0
0
6
22
1
61
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29
30
2
12
8.8
1
46
S
ing
roli
52
1
53
4.5
5
5
21
5
86
.13
18
5
44
.96
27
1
65
.95
32
5
10
5.3
0
4
79
1
68
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20
58
1
60
5.1
5
47
Ti
kam
gar
h 6
34
6
52
.77
12
69
1
42
6.4
8
6
1
84
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19
09
2
26
3.5
3
48
U
jjai
n
30
00
3
08
8.8
0 8
00
5
29
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16
60
0
18
36
5.5
8 1
8
40
.82
40
0
24
57
.00
20
0
39
.78
12
0
14
74
.20
84
5
08
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21
22
2
26
50
3.4
1
49
U
mar
iya
27
0
27
7.0
2 2
40
1
59
.84
50
0
56
2.5
0
2
8
11
1.0
9 3
60
2
5.9
2
7
2
14
.96
14
05
1
35
1.3
3
50
V
idis
ha
50
0
56
2.2
8 6
00
3
96
.90
71
00
7
98
4.3
1 3
00
3
69
.90
30
0
18
42
.75
90
8
5.0
5
2
37
2
91
1.5
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100
ANNEXURE 1 (I) - DISTRICT-WISE AND SECTOR-WISE PLP PROJECTIONS (2014-15 ) FOR ANIMAL HUSBANDRY (POULTRY)
(`̀ in lakh)
Sr. Name of the Commercial
Broilers Commercial Layers Miscellaneous Poultry Total
No. District Phy. Bank Loan Phy. Bank Loan Phy. Bank Loan Phy. Bank Loan
1 Alirajpur 99 32.30 99 32.30
2 Anuppur 2 11.77 152 124.76 154 136.53
3 Ashoknagar 413 176.54 413 176.54
4 Balaghat 5 29.43 4 49.50 550 180.90 559 259.83
5 Barwani 3 17.69 4 24.98 62 19.84 69 62.51
6 Betul 170 54.36 170 54.36
7 Bhind 157 54.69 157 54.69
8 Bhopal 20 117.90 6202 2075.86 6222 2193.76
9 Burhanpur 58 82.21 31 117.18 423 147.37 512 346.76
10 Chattarpur 1622 535.44 1622 535.44
11 Chhindwara 15 88.43 440 144.74 455 233.17
12 Damoh 584 197.89 584 197.89
13 Datia 79 28.35 79 28.35
14 Dewas 222 80.16 222 80.16
15 Dhar 248 419.36 248 419.36
16 Dindori 164 53.71 164 53.71
17 Guna 7 43.00 221 78.24 228 121.24
18 Gwalior 380 139.50 380 139.50
19 Harda 450 121.50 250 90.00 30 36.72 730 248.22
20 Hoshangabad 885 271.98 885 271.98
21 Indore 20 117.81 40 1248.19 234 398.70 294 1764.70
22 Jabalpur 2153 762.08 2153 762.08
23 Jhabua 186 61.31 186 61.31
24 Katni 4 23.30 4 123.15 381 147.89 389 294.34
25 Khandwa 1 5.89 1 31.21 307 146.40 309 183.50
26 Khargone 9 52.97 1 31.20 197 59.62 207 143.79
27 Mandla 800 262.80 800 262.80
28 Mandsaur 4 23.56 168 229.96 172 253.52
29 Morena 121 41.92 121 41.92
30 Narsinghpur 1360 653.23 1360 653.23
31 Neemuch 3 18.42 190 62.82 193 81.24
32 Panna 165 61.80 165 61.80
33 Raisen 26 153.27 10 312.03 513 309.68 549 774.98
34 Rajgarh 24 117.90 9 280.83 64 72.50 97 471.23
35 Ratlam 20 117.90 191 63.30 211 181.20
36 Rewa 1337 375.86 1337 375.86
37 Sagar 999 322.09 999 322.09
38 Satna 273 102.96 273 102.96
39 Sehore 240 632.55 240 632.55
40 Seoni 1 5.90 102 32.29 103 38.19
41 Shahdol 5 29.45 320 96.56 325 126.01
42 Shajapur 15 123.80 4 124.81 128 66.45 147 315.06
43 Sheopur 6 35.15 1176 395.34 1182 430.49
44 Shivpuri 8 41.22 8 99.77 1242 418.00 1258 558.99
45 Sidhi 936 223.24 936 223.24
46 Singroli 934 222.57 934 222.57
47 Tikamgarh 228 75.41 228 75.41
48 Ujjain 12 70.69 6 64.80 731 820.80 749 956.29
49 Umariya 43 28.92 21 7.94 3 18.45 67 55.31
50 Vidisha 10 58.95 2 62.41 357 133.15 369 254.51
Total 765 1501.88 401 2703.15 29139 12122.44 30305 16327.47
101
ANNEXURE 1 (J) - DISTRICT-WISE AND SECTOR-WISE PLP PROJECTIONS (2014-15 ) FOR ANIMAL HUSBANDRY (SGP)
(`̀ in lakh) Sr. Name of the Goat rearing Sheep rearing Piggery Miscellaneous SGP Total
No. District Phy. Bank Loan
Phy. Bank Loan
Phy. Bank Loan
Phy. Bank Loan
Phy. Bank Loan
1 Alirajpur 28 16.38 25 13.50 4 5.69 57 35.57
2 Anuppur 177 113.02 1 0.54 10 56.73 1 14.04 189 184.33
3 Ashoknagar 460 264.96 5 2.70 10 56.70 475 324.36
4 Balaghat 220 128.70 275 371.25 495 499.95
5 Barwani 750 438.75 165 89.10 160 227.52 1075 755.37
6 Betul 1251 761.81 73 39.42 4 22.68 1328 823.91
7 Bhind 178 103.65 35 18.91 12 68.04 225 190.60
8 Bhopal 1400 819.00 1400 756.00 200 90.00 3000 1665.00
9 Burhanpur 143 83.66 9 4.93 9 21.30 6 38.51 167 148.40
10 Chattarpur 150 87.21 44 23.80 71 357.84 265 468.85
11 Chhindwara 1200 702.00 5 2.40 1205 704.40
12 Damoh 334 195.41 14 79.38 348 274.79
13 Datia 2000 1161.00 300 162.27 16 21.60 1 27.88 2317 1372.75
14 Dewas 360 210.60 360 210.60
15 Dhar 345 201.87 75 106.65 6 167.24 426 475.76
16 Dindori 85 49.74 68 36.72 10 56.70 163 143.16
17 Guna 303 176.38 6 3.25 8 45.36 317 224.99
18 Gwalior 1900 1102.96 160 86.56 60 81.00 5 139.40 2125 1409.92
19 Harda 850 474.30 850 474.30
20 Hoshangabad 692 395.64 10 5.22 8 43.20 2 53.10 712 497.16
21 Indore 1800 4045.14 60 340.20 40 1115.10 1900 5500.44
22 Jabalpur 285 166.73 30 16.20 10 56.70 325 239.63
23 Jhabua 140 81.90 56 30.24 8 11.37 204 123.51
24 Katni 317 179.52 86 46.44 44 249.48 447 475.44
25 Khandwa 267 161.20 2 1.10 6 17.02 3 32.14 278 211.46
26 Khargone 880 514.80 115 62.10 35 49.77 1030 626.67
27 Mandla 110 64.35 45 24.30 6 34.02 161 122.67
28 Mandsaur 151 143.07 110 59.40 7 66.34 268 268.81
29 Morena 159 92.60 41 22.17 10 56.70 210 171.47
30 Narsinghpur 90 52.65 36 19.76 21 10.01 147 82.42
31 Neemuch 120 70.20 150 56.70 2 55.74 272 182.64
32 Panna 67 40.20 52 33.80 35 54.95 154 128.95
33 Raisen 951 557.19 6 3.23 53 341.05 1010 901.47
34 Rajgarh 1800 1053.00 600 329.40 265 1502.55 126 763.56 2791 3648.51
35 Ratlam 996 582.66 300 164.70 66 317.52 120 669.60 1482 1734.48
36 Rewa 215 125.78 215 116.10 104 146.95 169 358.96 703 747.79
37 Sagar 232 135.72 21 119.07 253 254.79
38 Satna 97 58.20 66 42.90 74 116.18 237 217.28
39 Sehore 202 172.76 202 172.76
40 Seoni 1050 614.25 12 5.72 1062 619.97
41 Shahdol 257 149.62 45 24.35 10 56.70 7 37.36 319 268.03
42 Shajapur 1380 807.30 1240 680.76 8 45.36 33 156.49 2661 1689.91
43 Sheopur 597 352.23 151 81.54 105 149.09 853 582.86
44 Shivpuri 805 470.94 270 145.80 160 227.50 1235 844.24
45 Sidhi 357 208.84 143 77.22 100 141.30 29 61.60 629 488.96
46 Singroli 191 111.74 96 51.84 62 87.61 21 44.60 370 295.79
47 Tikamgarh 485 281.98 453 245.03 47 266.49 16 446.04 1001 1239.54
48 Ujjain 700 407.61 300 164.43 55 77.96 50 319.98 1105 969.98
49 Umariya 220 128.70 60 32.40 3 17.01 283 178.11
50 Vidisha 187 109.56 2 1.08 2 2.84 7 84.57 198 198.05
Total 27934 19427.48 6971 3775.91 2282 5929.85 702 4937.56 37889 34070.80
102
ANNEXURE 1 (K) DISTRICT-WISE AND SECTOR-WISE PLP PROJECTIONS (2014-15 ) FOR FISHERIES
(`̀ in lakh)
Sr. Name of the Ponds Culture New Ponds Integ. fish
farming Hatchery/Seed
Bank Misc. Total
No. District Phy. (ha)
Bank Loan
Phy. (ha)
Bank Loan
Phy. (ha)
Bank Loan
Phy. (No.)
Bank Loan
Phy. (No.)
Bank Loan
Phy. Bank Loan
1 Alirajpur 34 39.01 9 35.37 2 2.86 6 28.57 51 105.81
2 Anuppur 170 195.04 35 137.55 35 58.67 35 44.38 275 435.64
3 Ashoknagar 10 11.48 7 27.51 7 15.75 4 5.70 28 60.44
4 Balaghat 350 399.00 130 510.90 309 501.00 870 421.88 1659 1832.78
5 Barwani 62 74.40 58 228.38 32 48.00 250 15.00 402 365.78
6 Betul 66 75.75 26 102.18 92 177.93
7 Bhind 55 63.12 6 23.59 61 86.71
8 Bhopal 90 67.50 50 196.50 40 29.10 32 102.04 345 297.21 557 692.35
9 Burhanpur 9 28.28 5 19.65 9 12.90 13 19.01 36 79.84
10 Chattarpur 325 243.75 200 786.00 119 140.74 371 218.62 1015 1389.11
11 Chhindwara 75 54.00 10 39.30 14 9.66 7 80.08 40 45.90 146 228.94
12 Damoh 125 143.43 15 58.95 12 18.01 152 220.39
13 Datia 200 225.01 120 434.69 34 81.67 35 90.94 389 832.31
14 Dewas 120 137.70 70 275.10 6 59.40 196 472.20
15 Dhar 412 290.46 140 550.20 115 213.69 667 1054.35
16 Dindori 62 71.16 41 137.15 103 208.31
17 Guna 14 10.50 11 35.06 7 15.75 6 8.55 38 69.86
18 Gwalior 180 202.50 35 137.69 16 37.40 44 73.52 275 451.11
19 Harda 25 9.37 290 924.38 1 11.25 1 9.00 55 61.88 372 1015.88
20 Hoshangabad 200 363.60 525 2008.12 125 247.50 11 59.70 160 216.00 1021 2894.92
21 Indore 100 80.40 76 298.91 30 118.12 228 97.45 434 594.88
22 Jabalpur 115 126.11 69 270.64 50 74.25 60 11.26 294 482.26
23 Jhabua 39 44.75 10 39.30 5 7.16 10 47.62 64 138.83
24 Katni 98 61.56 28 110.04 4 5.52 8 9.11 138 186.23
25 Khandwa 9 28.26 2 7.86 15 21.90 26 58.02
26 Khargone 150 180.00 55 216.56 27 40.51 1150 69.00 1382 506.07
27 Mandla 62 71.19 94 314.43 156 385.62
28 Mandsaur 49 35.28 15 50.19 64 85.47
29 Morena 35 40.18 37 145.56 72 185.74
30 Narsinghpur 48 55.10 22 86.46 19 7.84 89 149.40
31 Neemuch 15 10.80 6 20.07 36 26.25 6 6.90 63 64.02
32 Panna 75 114.75 30 157.20 10 27.50 115 299.45
33 Raisen 819 939.80 356 1399.08 3 67.50 10 3.75 1188 2410.13
34 Rajgarh 150 175.57 56 346.50 206 522.07
35 Ratlam 18 12.96 20 78.75 19 21.79 57 113.50
36 Rewa 304 207.48 28 83.79 28 38.22 360 329.49
37 Sagar 36 41.31 10 39.30 3 4.50 49 85.11
38 Satna 910 1392.30 314 1645.36 6 16.50 1230 3054.16
39 Sehore 210 241.00 100 393.00 5 49.50 315 683.50
40 Seoni 200 144.00 50 196.50 7 4.83 3 34.32 36 41.32 296 420.97
41 Shahdol 101 73.77 7 27.53 2 3.30 12 13.63 122 118.23
42 Shajapur 80 48.00 37 145.41 104 136.80 424 108.54 645 438.75
43 Sheopur 168 120.75 133 522.69 78 153.27 140 182.70 519 979.41
44 Shivpuri 132 95.04 117 460.70 56 110.05 52 67.88 357 733.67
45 Sidhi 148 101.01 32 95.76 21 28.67 201 225.44
46 Singroli 70 47.78 21 62.84 16 21.84 107 132.46
47 Tikamgarh 92 86.25 33 129.79 38 114.00 163 330.04
48 Ujjain 115 45.28 72 283.18 9 102.77 196 431.23
49 Umariya 15 8.48 9 35.37 3 4.22 7 6.86 34 54.93
50 Vidisha 40 45.90 32 125.76 1 22.50 124 46.50 197 240.66
Total 6987 7380.12 3654 14456.80 516 956.75 1259 2460.71 4258 1860.02 16674 27114.40
103
ANNEXURE 1 (L) DISTRICT-WISE AND SECTOR-WISE PLP PROJECTIONS (2014-15 ) FOR SGMY
(`̀ in lakh)
Sr. Name of the Cold Storage Market Yards Godown Misc./Onion
Godown Total
No. District Storage Capacity (tonnes)
Bank Loan
Phy. (No.)
Bank Loan
Storage Capacity (tonnes)
Bank Loan Phy. (No.)
Bank Loan
Bank Loan
1 Alirajpur 672 15.12 15.12
2 Anuppur 600 36 2200 33 7000 157.5 226.50
3 Ashoknagar 15000 675 40 555 130000 3412.5 4642.50
4 Balaghat 3200 156 10 41.25 4500 101.25 298.50
5 Barwani 8000 300 143500 3228.75 3528.75
6 Betul 10000 450 4 900 290000 6525 7875.00
7 Bhind 30000 900 37000 555 1455.00
8 Bhopal 90000 6750 80000 3000 100000 3000 27 2006.25 14756.25
9 Burhanpur 9200 552 14 2310 120750 2716.88 5578.88
10 Chattarpur 32000 1920 113000 2542.5 4462.50
11 Chhindwara 7500 337.5 18000 540 62000 1395 2272.50
12 Damoh 6000 330.76 50500 1590.75 8000 126.01 2047.52
13 Datia 15000 742.5 20 225 95000 2351.25 3318.75
14 Dewas 12000 540 250000 5625 24000 540 6705.00
15 Dhar 4000 240 128000 2880 3120.00
16 Dindori 1000 45 2000 60 105.00
17 Guna 11500 388.13 99 1533.75 140388 4211.64 6133.52
18 Gwalior 42500 2103.75 110 1237.5 105000 2598.75 5940.00
19 Harda 165000 24750 24750.00
20 Hoshangabad 35000 862.5 85 9281.25 425000 9562.5 19706.25
21 Indore 30000 1755 70000 2100 9500 5647.5 9502.50
22 Jabalpur 25 1406.25 5 2025 65 3412.5 6843.75
23 Jhabua 672 15.12 15.12
24 Katni 30420 1140.76 130000 1950.01 3090.77
25 Khandwa 3300 198 23 3795 50050 1126.13 5119.13
26 Khargone 43500 2610 120000 2700 5310.00
27 Mandla 1000 45 42000 1260 1305.00
28 Mandsaur 7500 450 20 1800 80000 2100 4350.00
29 Morena 98000 2940 107000 1605 4545.00
30 Narsinghpur 22000 990 49 369.35 38200 859.5 6500 97.5 2316.35
31 Neemuch 4000 240 10 900 20000 525 1665.00
32 Panna 4050 243 8500 297.5 540.50
33 Raisen 3000 180 5 1181.25 30000 675 20 600 2636.25
34 Rajgarh 30000 4770 20 232.5 21000 630 15600 585 6217.50
35 Ratlam 95090 4279.05 20000 600 20050 451.11 480 1584 6914.16
36 Rewa 20800 1248 36 74.25 18200 546 1868.25
37 Sagar 7000 367.5 73000 2409 46000 759 3535.50
38 Satna 2088 125.28 8000 280 405.28
39 Sehore 5000 225 230000 5175 5000 112.5 5512.50
40 Seoni 5500 247.5 24000 720 55000 1237.5 2205.00
41 Shahdol 500 20 550 66.93 8500 148.75 235.68
42 Shajapur 28000 3000 16 186 32000 960 4000 150 4296.00
43 Sheopur 12600 567 20 95.26 29000 870 1532.26
44 Shivpuri 10400 468 65 309.58 60000 1800 2577.58
45 Sidhi 10400 624 14 28.88 16900 507 1159.88
46 Singroli 10400 624 8 16.5 16700 501 1141.50
47 Tikamgarh 17950 1077 37500 843.75 1920.75
48 Ujjain 7200 421.2 77000 2310 2731.20
49 Umariya 1000 30 1800 40.5 8000 180 250.50
50 Vidisha 1000 60 155 4650 200700 4515.75 9225.75
Total 844895 47695.80 147378 36747.75 3976675 119254.89 119127 12207.76 215906.20
104
ANNEXURE 1 (M) DISTRICT-WISE AND SECTOR-WISE PLP PROJECTIONS (2014-15 ) FOR RENEWABLE SOURCES OF ENERGY
(`̀ in lakh)
Sr. Name of the Biogas Plants, Solar Cookers/Heaters, etc. No. District Phy. Bank Loan 1 Alirajpur 108 56.32
2 Anuppur 387 123.33 3 Ashoknagar 374 99.33 4 Balaghat 180 80.19
5 Barwani 50 204.75 6 Betul 250 38.70 7 Bhind 262 69.34
8 Bhopal 380 146.36 9 Burhanpur 148 56.76
10 Chattarpur 9806 1255.17
11 Chhindwara 615 224.24 12 Damoh 327 179.15 13 Datia 435 150.86
14 Dewas 2700 550.80 15 Dhar 341 174.11 16 Dindori 128 36.31
17 Guna 280 60.21 18 Gwalior 700 228.16 19 Harda 183 57.75
20 Hoshangabad 446 132.37 21 Indore 1230 10330.27 22 Jabalpur 210 127.95
23 Jhabua 75 17.55 24 Katni 153 289.54
25 Khandwa 158 59.89 26 Khargone 644 586.80 27 Mandla 143 47.72
28 Mandsaur 1380 367.38
29 Morena 195 51.61 30 Narsinghpur 500 125.83
31 Neemuch 2050 560.26 32 Panna 187 122.00 33 Raisen 958 186.92
34 Rajgarh 1926 801.90 35 Ratlam 80382 164.22 36 Rewa 219 115.93
37 Sagar 313 141.92 38 Satna 326 12205.32 39 Sehore 3302 693.00
40 Seoni 1700 466.21 41 Shahdol 195 52.34 42 Shajapur 3616 746.64
43 Sheopur 4172 970.35 44 Shivpuri 1386 449.44 45 Sidhi 340 152.50
46 Singroli 88 47.86 47 Tikamgarh 149 47.27
48 Ujjain 1125 669.06 49 Umariya 111 191.21 50 Vidisha 557 146.90
Total 125890 34860.00
105
ANNEXURE 1 (N) DISTRICT-WISE AND SECTOR-WISE PLP PROJECTIONS (2014-15 ) FOR OTHER ACTIVITIES
(`̀ in lakh)
Sr. Name of the Bullocks Bullock Carts Agriclinic /
Agribusiness Centres
Others / Misc. Total
No. District Phy. Bank Loan
Phy. Bank Loan
Phy. Bank Loan
Phy. Bank Loan
Phy. Bank Loan
1 Alirajpur 92 48.85 90 34.02 182 82.87
2 Anuppur 378 195.27 108 40.82 1 18.45 487 254.54
3 Ashoknagar 200 106.20 200 75.60 7 126.00 7050 4441.50 7457 4749.30
4 Balaghat 520 276.12 260 70.20 30 311.85 810 658.17
5 Barwani 2650 1335.60 1440 388.80 3165 569.70 7255 2294.10
6 Betul 300 78.30 150 56.70 1 10.89 451 145.89
7 Bhind 195 51.61 143 54.05 3 29.70 341 135.36
8 Bhopal 1500 756.00 400 151.20 6 108.00 1906 1015.20
9 Burhanpur 38 19.53 114 43.09 14 160.09 166 222.71
10 Chattarpur 420 113.40 538 192.07 38 608.00 996 913.47
11 Chhindwara 1400 743.44 410 154.98 1 10.40 1811 908.82
12 Damoh 208 54.28 105 39.70 33 377.33 346 471.31
13 Datia 600 158.76 300 113.40 35 210.00 935 482.16
14 Dewas 1200 313.20 600 226.80 12 216.00 1812 756.00
15 Dhar 1123 293.12 473 119.20 11 198.00 1607 610.32
16 Dindori 114 60.54 57 14.89 4 45.36 175 120.79
17 Guna 2500 1314.00 2500 630.00 6 81.00 8033 5060.79 13039 7085.79
18 Gwalior 2000 529.20 1200 453.60 80 480.00 3280 1462.80
19 Harda 332 167.33 166 41.83 45 810.00 543 1019.16
20 Hoshangabad 530 267.12 530 133.56 85 1530.00 1145 1930.68
21 Indore 1200 317.52 1000 378.00 20 360.00 2220 1055.52
22 Jabalpur 235 61.34 180 68.04 8 144.00 423 273.38
23 Jhabua 90 47.79 63 23.81 153 71.60
24 Katni 520 140.40 325 103.33 11 227.70 856 471.43
25 Khandwa 660 339.28 391 147.79 15 171.51 6373.00 1066 7031.58
26 Khargone 2150 1083.60 1065 287.55 15 270.00 3230 1641.15
27 Mandla 600 318.60 247 64.48 15 170.10 862 553.18
28 Mandsaur 300 159.31 600 156.60 17 176.72 917 492.63
29 Morena 380 100.56 510 192.78 12 118.80 902 412.14
30 Narsinghpur 93 24.28 33 12.48 6 62.39 132 99.15
31 Neemuch 560 297.36 1000 378.00 9 93.57 1569 768.93
32 Panna 365 105.85 250 105.00 2 40.00 617 250.85
33 Raisen 700 182.70 600 226.80 3 32.40 13 49.14 1316 491.04
34 Rajgarh 780 210.60 1080 408.24 18 194.40 1878 813.24
35 Ratlam 1200 637.20 694 181.13 40 415.82 1934 1234.15
36 Rewa 420 109.62 420 158.76 25 272.25 865 540.63
37 Sagar 629 164.17 318 120.20 38 434.48 985 718.85
38 Satna 450 130.50 24 10.08 21 204.00 495 344.58
39 Sehore 1800 469.80 900 340.20 15 270.00 2715 1080.00
40 Seoni 360 191.18 220 83.16 1 10.40 581 284.74
41 Shahdol 155 41.02 57 21.55 2 36.90 214 99.47
42 Shajapur 1600 432.00 705 266.49 8 86.40 2313 784.89
43 Sheopur 692 180.61 900 340.20 45 514.35 1637 1035.16
44 Shivpuri 820 221.40 468 176.90 65 742.95 12500 6750.00 13853 7891.25
45 Sidhi 247 64.46 162 61.24 5 54.45 414 180.15
46 Singroli 175 45.68 52 19.65 5 54.45 232 119.78
47 Tikamgarh 515 136.27 150 56.70 4 72.00 669 264.97
48 Ujjain 540 142.88 400 151.20 48 864.00 988 1158.08
49 Umariya 200 52.20 135 51.03 5 51.75 340 154.98
50 Vidisha 5000 1305.00 5000 1890.00 10 108.00 1126 4256.28 11136 7559.28
Total 39736 14595.05 27733 9515.90 900 11584.86 31887 27500.41 100256 63196.22
106
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60
.00
28
71
52
77.9
9 8
Bh
opal
4
00
59
40.0
0 3
200
9
504
.00
60
0 1
485
0.0
0
3
400
2
019
6.0
0
1
000
0 3
960
0.0
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086
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200
97
176
.00
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Bu
rhan
pur
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425
.94
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.00
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51
80
33.7
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hat
tarp
ur
22
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54
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81.6
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22
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3
552
.00
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72
0.4
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40
11
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37
.81
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45
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66.3
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hh
indw
ara
57
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85
69
0 6
21
.00
40
0 3
600
.00
36
0 2
43
.00
48
0 1
296
.00
18
0 4
05
.00
12
99.9
6 2
680
7
849
.71
12
Dam
oh
52
6 4
73
.40
51
1 1
034
.78
35
1 1
421
.55
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67
.50
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38
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7.2
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658
4
123
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Dat
ia
90
0 6
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45
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05
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700
.00
13
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21
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60
0 1
350
.00
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.00
51
00.0
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361
1
035
6.0
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ewas
3
000
2
700
.00
12
00
54
00.0
0
6
00
81
00.0
0
4
421
.25
48
00
20
621
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15
Dh
ar
69
0 4
09
.86
96
6 3
825
.36
47
4 2
34
.66
10
03
29
7.9
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51
28.2
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878
4
064
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40
74.0
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4.9
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indo
ri
26
0 1
87
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216
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Gw
alio
r 2
400
1
620
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20
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805
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han
gab
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dore
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balp
ur
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ni
19
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781
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20
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dwa
50
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52
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har
gon
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dla
44
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31
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28
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40
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441
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498
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28
Man
dsau
r 2
00
18
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50
27
0.0
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18
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62
.00
50
11
25.0
0
4
26
.00
43
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343
.00
29
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ena
15
00
33
7.5
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245
1
515
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88
0 5
940
.00
25
5.6
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8
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36
0.4
5 2
800
.00
58
11
10
958
.96
30
Nar
sin
ghpu
r
2
25
61
4.2
5
8
9.6
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25
70
3.8
5 3
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eem
uch
1
50
13
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garh
3
600
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.00
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lam
1
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10
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ar
45
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ni
77
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haj
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r
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200
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heo
pur
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20
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hiv
puri
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40
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40
.00
31
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11
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50
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63
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.09
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71
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idh
i 1
960
1
764
.00
20
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80
.00
37
33
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50
31
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55
11
47.5
0
7
47
.90
28
02
44
87.4
0 4
6 S
ingr
oli
26
50
13
83.3
0 2
13
77
6.3
9 1
12
12
09.6
0 4
55
23
7.5
1 5
82
10
79.0
3
9
37
.16
40
12
56
22.9
9 4
7 Ti
kam
garh
1
224
2
97
.43
90
48
6.0
0 1
16
57
.42
19
2 9
50
.40
85
0 4
20
.75
40
6.0
5 2
472
2
618
.05
48
Ujj
ain
38
00
21
28.5
0 1
500
1
225
.80
16
50
15
592
.49
95
22
44.3
8 1
10
51
9.7
5 4
342
.19
76
75
26
053
.11
49
Um
ariy
a 1
40
58
.63
27
25
.52
46
10
76.4
0
8
1 3
06
.18
13
6.4
6 2
94
16
03.1
9 5
0 V
idis
ha
10
0 4
5.0
0 3
30
29
7.0
0 7
0 9
45
.00
49
55
.13
40
8 4
59
.00
50
13
5.0
0 2
332
.80
11
42
42
68.9
3
Tota
l 4
560
8 3
885
2.3
2 5
878
5 7
531
1.9
5 3
380
9 2
966
29
.02
18
765
15
054
.02
33
377
91
658
.83
37
00
10
587
.38
20
486
60
574
.28
13
591
8.3
9 2
751
04
72
458
6.1
9
107
ANNEXURE 1 (P) DISTRICT-WISE AND SECTOR-WISE PLP PROJECTIONS (2014-15 ) FOR MSME
(`̀ in lakh)
Sr. No. Name of the District Agro Products & Food Processing units
Phy. Bank Loan 1 Alirajpur 2 15.12 2 Anuppur 19 170.09
3 Ashoknagar 255 1698.30 4 Balaghat 520 2477.09 5 Barwani 944 790.34
6 Betul 53 147.96 7 Bhind 506 396.90 8 Bhopal 39 1094.45
9 Burhanpur 650 7985.50 10 Chattarpur 325 1173.92 11 Chhindwara 42 1141.80
12 Damoh 638 1601.93 13 Datia 302 1850.29 14 Dewas 198 1402.50
15 Dhar 255 7217.80 16 Dindori 51 128.03 17 Guna 4225 1607.40
18 Gwalior 307 937.80 19 Harda 54 594.29 20 Hoshangabad 62 1680.52
21 Indore 1683 44003.52 22 Jabalpur 140 2317.50
23 Jhabua 7 149.31 24 Katni 58 1511.76
25 Khandwa 96 4102
26 Khargone 123 2050.07 27 Mandla 272 519.69 28 Mandsaur 94 3267.00
29 Morena 961 662.85 30 Narsinghpur 431 2826.63 31 Neemuch 12 187.00
32 Panna 6 345.00 33 Raisen 597 3420.00 34 Rajgarh 98 3444.00
35 Ratlam 154 3027.17 36 Rewa 263 2187.70 37 Sagar 849 1843.86
38 Satna 451 2875.00 39 Sehore 135 958.50 40 Seoni 101 2235.20
41 Shahdol 8 57.68 42 Shajapur 89 2933.00 43 Sheopur 200 1343.52
44 Shivpuri 269 2146.82 45 Sidhi 61 392.47
46 Singroli 57 452.92 47 Tikamgarh 19 250.20 48 Ujjain 521 10317.78
49 Umariya 48 230.38 50 Vidisha 73 360.45
Total 17323 134530.95
108
AN
NEX
UR
E 1
(Q)
DIS
TRIC
T-W
ISE
AN
D S
ECTO
R-W
ISE
PLP
PRO
JECT
ION
S (2
014-
15 )
FO
R O
THER
PR
IOR
ITY
SEC
TOR
(
`̀ in
lakh
)
Sr.
Nam
e of
the
Tr
ansp
ort
Ope
rato
rs
Ret
ail T
rade
/Sm
all
Busi
ness
Pr
of.&
Self
Emp.
Ed
ucat
ion
Loan
s H
ousi
ng L
oans
Co
nsum
ptio
n Lo
ans
Mis
cella
neou
s /
Serv
ice
Sect
or lo
ans
Tota
l
No.
D
istr
ict
Phy.
Ba
nk L
oan
Phy.
Ba
nk L
oan
Phy.
Ba
nk L
oan
Phy.
Ba
nk L
oan
Phy.
Ba
nk L
oan
Phy.
Ba
nk L
oan
Phy.
Ba
nk L
oan
Phy.
Ba
nk L
oan
1 Al
iraj
pur
200
1605
.60
530
653.
49
272
257.
04
180
510.
30
177
2007
.18
1359
50
33.6
1
2 An
uppu
r 83
76
5.69
71
5 32
9.80
22
0 40
5.91
33
30
.44
220
304.
44
1430
13
19.1
3
27
01
3155
.41
3 As
hokn
agar
18
0 81
0.00
11
00
990.
00
100
450.
00
190
855.
00
227
1021
.50
316
284.
40
450
364.
50
2563
47
75.4
0
4 Ba
lagh
at
445
1786
.23
2300
16
56.0
0 75
0 37
1.25
20
0 72
0.00
65
0 29
25.0
0 75
0 33
7.50
10
00
225.
00
6095
80
20.9
8
5 Ba
rwan
i 19
5 18
42.7
5 19
00
2394
.00
500
720.
00
180
567.
00
450
2328
.75
1150
16
56.0
0 11
25
1113
.75
5500
10
622.
25
6 Be
tul
281
2781
.90
545
2697
.75
242
762.
30
265
1311
.75
370
3330
.00
700
1260
.00
688
681.
12
3091
12
824.
82
7 Bh
ind
400
1440
.00
1101
49
5.45
70
0 94
5.00
29
9 53
8.20
55
2 24
84.0
0 35
3 6.
35
3405
59
09.0
0
8 Bh
opal
24
0 19
612.
80
5200
90
32.4
0 40
00
4968
.00
7000
31
500.
00
1350
0 17
2755
.00
8000
39
60.0
0 75
00
1113
7.50
45
440
2529
65.7
0
9 Bu
rhan
pur
258
1340
.96
1162
24
15.8
0 33
9 52
8.58
17
6 73
1.81
27
1 28
17.0
5 14
9 39
.43
2355
78
73.6
3
10
Chat
tarp
ur
363
1742
.40
650
364.
00
200
240.
00
95
342.
00
450
4050
.00
1244
49
7.60
16
5 4.
62
3167
72
40.6
2
11
Chhi
ndw
ara
420
3118
.50
3780
59
53.5
0 20
40
2295
.00
330
1188
.00
570
2349
.00
575
258.
75
3000
40
50.0
0 10
715
1921
2.75
12
Dam
oh
152
1504
.80
160
720.
00
95
470.
25
146
1314
.00
2727
26
99.7
3 32
80
6708
.78
13
Dat
ia
60
540.
00
300
675.
00
150
1350
.00
50
225.
00
100
900.
00
200
180.
00
860
3870
.00
14
Dew
as
350
3150
.00
1800
32
40.0
0 18
00
3240
.00
500
1800
.00
150
1350
.00
4600
12
780.
00
15
Dha
r 19
9 11
64.1
5 40
0 41
4.01
43
23
4474
.31
600
2484
.00
700
3622
.55
200
414.
00
6422
12
573.
02
16
Din
dori
75
86
0.63
95
58
1.40
95
58
1.40
22
0 10
39.5
1 30
0 18
36.0
0 10
7 15
4.08
89
2 50
53.0
2
17
Gun
a 22
0 99
0.00
82
2 73
9.80
18
0 81
0.00
20
0 72
0.00
35
0 15
75.0
0 62
0 55
8.00
30
0 24
3.00
26
92
5635
.80
18
Gw
alio
r 15
00
1350
0.00
40
00
9000
.00
4600
41
400.
00
1600
72
00.0
0 37
00
3330
0.00
47
00
4230
.00
2010
0 10
8630
.00
19
Har
da
120
1620
.00
120
1620
.00
600
540.
00
225
1012
.50
300
1350
.00
450
225.
00
1815
63
67.5
0
20
Hos
hang
abad
28
0 37
80.0
0 42
0 56
70.0
0 27
90
2511
.00
365
1642
.50
1100
49
50.0
0 70
0 48
0.00
56
55
1903
3.50
21
Indo
re
2400
24
948.
00
2400
12
474.
00
800
3168
0.00
12
00
3564
.00
4200
41
580.
00
9000
93
55.5
0 54
00
1069
2.00
25
400
1342
93.5
0
22
Jaba
lpur
13
0 17
01.0
0 16
60
7942
.50
2700
11
475.
00
700
3888
.00
1630
19
642.
50
2900
41
40.0
0 97
20
4878
9.00
23
Jhab
ua
130
1043
.64
400
493.
20
279
263.
66
314
890.
19
150
1701
.00
1273
43
91.6
9
24
Kat
ni
166
1528
.35
1488
15
93.6
5 56
2 14
46.5
9 14
6 93
9.53
32
4 33
35.9
0 41
1 39
9.49
30
97
9243
.51
25
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294.
54
101
409.
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420
3780
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27
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Vidi
sha
277
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200
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1080
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180.
00
141
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tal
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3222
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5754
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2710
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3985
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7298
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25
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AN
NEX
UR
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AG
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BR
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RO
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FO
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S TH
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AN
D T
AR
GET
S FO
R 2
013-
14
(`̀ in
lakh
)
20
08-0
9
2009
-10
20
10-1
1
2011
-12
20
12-1
3
Part
icul
ars
TA
RG
ET
AC
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%
AC
HIE
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TA
RG
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AC
HIE
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ET
AC
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%
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TA
RG
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AC
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VE.
%
AC
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VE.
1. C
rop
Loan
CB
s 33
8760
56
0079
16
5.33
42
7940
54
0702
12
6.35
94
5645
76
9766
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81.4
10
8450
9.2
9672
94.6
89
.19
1248
735
1119
319.
4 89
.64
DC
CB
s 34
6484
25
1053
72
.46
4100
13
3870
62
94.4
50
8223
59
3286
.09
116.
74
6661
54.8
3 76
2599
.23
114.
48
7580
95
9822
23.6
1 12
9.56
DC
AR
DB
s 46
3 0
0 42
0
0 0
446.
7 0
36
.67
0 20
05
0 0
RR
Bs
1272
66
1486
44
116.
8 15
5784
19
4367
12
4.77
19
4796
22
9084
.65
117.
6 25
4781
.36
2915
63.4
1 11
4.44
29
9750
34
1266
.69
113.
85
Sub-
tota
l 81
2973
95
9776
11
8.06
99
3779
11
2213
1 11
2.92
16
4866
4 15
9258
4.2
96.6
20
0544
5.4
2021
493.
9 10
0.8
2308
585
2442
809.
7 10
5.81
2. M
T +
LT
- A
gri.
& A
llied
CB
s 19
0316
20
7675
10
9.12
21
3910
40
9136
19
1.27
41
2166
34
7741
.84
84.3
7 48
9522
.04
4099
21.6
83
.74
7224
50
4299
82.8
6 59
.52
DC
CB
s 14
621
8181
55
.95
2339
0 18
35
7.85
17
582
9736
.6
55.3
8 53
865.
93
3400
9.09
63
.14
4382
9 31
121.
18
71.0
1
DC
AR
DB
s 21
422
7585
35
.41
2441
3 26
87
11.0
1 24
261
2024
.72
8.35
437.
42
ERR
39
046
1012
.89
2.59
RR
Bs
3806
0 24
222
63.6
4 42
241
1499
2 35
.49
4184
0 27
836.
77
66.5
3 64
968.
88
3411
2.09
52
.51
9527
2 44
602.
72
46.8
2
Sub-
tota
l 26
4419
24
7663
93
.66
3039
54
4286
50
141.
02
4958
49
3873
39.9
3 78
.12
6083
56.8
5 47
8480
.2
78.6
5 90
0597
50
6719
.65
56.2
6
3. T
otal
Agr
i. C
redi
t (1
+ 2
)
CB
s 52
9076
76
7754
14
5.11
64
1850
94
9838
14
7.98
13
5781
1 11
1750
8.6
82.3
15
7403
1.2
1377
216.
2 87
.5
1971
185
1549
302.
3 78
.6
DC
CB
s 36
1105
25
9234
71
.79
4334
03
3888
97
89.7
3 52
5805
60
3022
.69
114.
69
7200
20.7
6 79
6608
.32
110.
64
8019
24
1013
344.
8 12
6.36
DC
AR
DB
s 21
885
7585
34
.66
2445
5 26
87
10.9
9 24
261
2471
.42
10.1
9 0
474.
09
ERR
41
051
1012
.89
2.47
RR
Bs
1653
26
1728
66
104.
56
1980
25
2093
59
105.
72
2366
36
2569
21.4
2 10
8.57
31
9750
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3256
75.5
10
1.85
39
5022
38
5869
.41
97.6
8
Tota
l 10
7739
2 12
0743
9 11
2.07
12
9773
3 15
5078
1 11
9.5
2144
513
1979
924.
2 92
.33
2613
802.
2 24
9997
4.1
95.6
5 32
0918
2 29
4952
9.4
91.9
1
4. N
on-f
arm
Sec
tor
CB
s 20
3050
12
2077
60
.12
1984
00
1754
83
88.4
5 25
5247
26
7837
.98
104.
93
3184
74.1
9 25
3994
.53
79.7
5 54
4775
78
9395
.16
144.
9
DC
CB
s 97
60
0 0
8953
0
0 10
974
1936
.19
17.6
4 16
809
4152
7.73
24
7.06
23
650
1153
5.6
48.7
8
DC
AR
DB
s 24
33
0 0
2998
0
0 37
34
176.
73
4.73
69.8
4 ER
R
4870
64
.4
1.32
RR
Bs
1758
2 85
11
48.4
1 14
357
9972
69
.46
1360
1 71
95.1
5 52
.9
1823
1.93
16
902.
94
92.7
1 29
478
2210
8.88
75
Sub-
tota
l 23
2825
13
0588
56
.09
2247
08
1854
55
82.5
3 28
3556
27
7146
.05
97.7
4 35
3515
.12
3124
95.0
4 88
.4
6027
73
8231
04.0
4 13
6.55
5. O
ther
Pri
orit
y Se
ctor
CB
s 20
6036
19
2250
93
.31
2591
52
2237
53
86.3
4 28
8876
31
8593
11
0.29
35
3006
.77
3771
43.9
2 10
6.84
37
8639
38
7900
.94
102.
45
DC
CB
s 10
861
1688
2 15
5.44
12
341
1744
4 14
1.35
12
298
2317
8.29
18
8.47
16
555.
39
3104
1.29
18
7.5
1433
0 21
488.
69
149.
96
DC
AR
DB
s 21
06
380
18.0
4 27
66
0 0
2224
12
7.52
5.
73
11
.73
ERR
32
86
0 0
RR
Bs
1479
3 26
804
181.
19
1487
8 25
613
172.
15
1892
7 22
894.
19
120.
96
2213
2.88
24
226.
64
109.
46
2561
1 26
059.
51
101.
75
Sub-
tota
l 23
3796
23
6316
10
1.08
28
9137
26
6810
92
.28
3223
25
3647
93
113.
18
3916
95.0
4 43
2423
.58
110.
4 42
1866
43
5449
.14
103.
22
G T
OTA
L 15
4401
3
1574
343
10
1.9
6
1811
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20
0304
6
110.
57
27
5039
4
2621
863.
2
95.3
3
3359
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4
3244
892.
7
96.6
42
3382
1
4208
082.
6
99.3
9
110
AN
NE
XU
RE
III
CR
ITIC
AL
INFR
AS
TR
UC
TUR
E G
AP
S T
O B
E P
RO
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ED
A.
LA
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INC
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/s
Sr.
N
o.
Pro
ject
Nam
e a
nd
Lo
cati
on
Wo
rk
a
cco
mp
lish
ed
till
dat
e
(P
hy
u
nit
) N
o.
Ori
gin
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hy
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tlay
(U
nit
s)
Ori
gin
al
Fin
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tla
y (`̀
in la
kh)
Wo
rk/s
req
uir
ed t
o
be
do
ne
(Ph
ysic
al)
Exp
ecte
d
ti
me
to
com
ple
te
(Mon
ths)
Inve
stm
ent
req
uir
ed
(`̀ in
lakh
)
Ben
efit
s
th
at w
ill
acc
rue
ou
t o
f co
mp
leti
on
of
pro
ject
1
2
3
4
5
6
7
8
9
1 Anu
ppur
- 2
Roa
ds -
Pipa
rha
Kans
a Pa
gna
Pauh
nch
Mar
g &
Pen
dra
Chirm
iri P
auhn
ch
Mar
g N
IL
23 K
M
612.
20
23
36
Mon
ths
612.
20 A
ll w
eath
er C
onne
ctiv
ity
to v
illag
es
2
Betu
l -
9 Ro
ads
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i to
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arku
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Road
, D
hond
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da S
awan
gi t
o G
unkh
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to
Bhai
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'Hat
hnor
a Pa
rsod
i to
Be
tul
Baza
r ,
Mul
tai
Khed
li Ba
zar
to
Bord
ehi,
'Bhi
mpu
r to
Kha
map
ur t
o G
urva
,, 'T
hani
to
Dha
nora
Par
sdoh
, '
Bhog
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to
Bhad
us R
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d, 'Y
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to J
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--
80.1
5 57
63.0
8 B.
T.
10-2
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onth
s 57
63.0
8 M
arke
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kage
and
Fa
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e
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BT
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G
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m
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19
19
00.0
0 It
will
pro
vide
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nnec
tivity
to
SH N
o 14
5 App
roac
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Rat
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ata,
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ia
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th
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nect
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d in
crea
sed
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omic
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tivity
6 G
hatig
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Dan
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km
22.6
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289
Bala
nce
wor
k 12
m
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11
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Im
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ed
Con
nect
ivity
7 D
orar
to
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km
12.0
km
334
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k 12
m
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23
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ed
Con
nect
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8 J
ABA
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oads
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abel
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oli
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2 50
0 N
ew/
N
on
star
ter
proj
ect
95
5.70
Rur
al
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nect
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111
9
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d, B
huliy
a to
Kuc
hrod
Mar
g,
Saro
g to
Man
upar
a M
arg,
M
alya
khed
i
to
Ja
mal
pura
Ko
chvi
M
arg,
Ka
chriy
a to
Rai
khed
a M
arg,
Aak
odad
a to
Kar
ju B
ani
Mar
g, B
havg
arh
to N
andw
el M
avta
Mar
g,
Adm
aaliy
a to
M
anch
hakh
edi M
arg
Prim
ary
Wor
k 52
.94
2581
.84
47.7
4
134
1736
.27
10
Sha
hdol
- 1
8 Ro
ads
- B
aira
g se
Kad
ori
Pauh
nch
Mar
g –
Budh
ar,
Jaitp
ur N
agpu
ra
Baira
g Pa
uhnc
h M
arg,
Bud
har,
Tend
uar
se
Bark
acch
Pa
uhnc
h M
arg
– Be
ohar
i,
Akh
etpu
r se
Bu
char
o Pa
uhnc
h M
arg
– Be
ohar
i, Kh
ohra
se
Kado
ri
Pauh
nch
Mar
g –
Budh
ar,
Mau
haar
se
Pa
teri
tola
Pa
uhnc
h M
arg
–
Jaitp
ur,
Kado
ri se
M
usar
a Pa
uhnc
h M
arg
– Bu
dhar,
Jaitp
ur s
e
Nag
pura
M
arg,
Be
lha
Nal
a m
e pu
liya
(20.
00
m)
sahi
t Pa
uhnc
h M
arg
–
Budh
ar,
Kolm
i se
ba
ren
Naa
la
Pauh
nch
Mar
g –
Jaitp
ur,
Cho
ti Ko
lmi
se K
arru
ta
Pa
NIL
N
A
NA
88
.4
24 m
onth
s ea
ch
3826
.29
11
Raj
garh
Pip
lodi
Roa
d (1
8 km
.), raj
garh
30
%
- 62
3 18
06
m
onth
s 43
6.10
15
Vi
llage
s
12
Khilc
hipu
r M
acha
lpur
Roa
d (1
7.60
Km
),
Raj
garh
Co
mpl
eted
--
63
8 17
.6
06
Mon
ths
638.
00 1
0 vi
llage
s
13
Nee
muc
h -
6 Ro
ads
- U
nche
d to
Bas
edi
Bhat
i Vi
a La
ssor
Ro
ad,
Um
ar
Bord
iya
Bhag
wan
pura
Kan
krai
Tal
ai,
'Bis
alw
as K
ala
to K
heda
Mat
aji,
'Am
arpu
ra K
edar
eshw
ar,
'Saw
an t
o Alh
ed, 'S
awan
to
Bard
iya
Jagi
r
Prim
ary
W
ork
44.8
5 24
83.4
5 44
.85
10-2
4 m
onth
s 24
39.6
5
14
Nai
naw
ad
A. B
. Ro
ad t
o G
irwar
Kar
edi
(8
Km),
SH
AJAP
UR
Co
mpl
etio
n
up
to 9
0-95
%
--
202.
50
Rem
aini
ng
5-10
% t
o be
do
ne
3 m
onth
20
.25
Bene
fits
t
o 08
vill
ages
w
ith t
he p
opul
atio
n of
510
1
15
Shaj
apur
- Be
rcha
Ro
ad
to
Dev
labi
har
Kaith
lai-A
kodi
ya R
oad,
Sha
japu
r Co
mpl
eted
up
to
50%
--
34
00
50%
of t
he
yet
to b
e do
ne
12 m
onth
s 34
00.0
0 Be
nefits
t
o 15
vill
ages
w
ith t
he p
opul
atio
n of
15
000-
1600
0
16
Shaj
apur
D
upad
a Ro
ad
to
Kana
d Pi
lwas
N
alkh
eda,
SH
AJAP
UR
Co
mpl
eted
up
to
50%
--
55
00
50%
of th
e ye
t to
be
15 m
onth
s 55
00.0
0 Be
nefits
t
o 18
vill
ages
w
ith t
he p
opul
atio
n of
112
done
18
000-
1900
0
17
Mok
alpu
r-U
daip
ur-B
ersa
la
Mar
g ,
SAG
AR
EW-4
km,
GSV
-4k
m,G
I -4
km, G
2-3.
6km
EW-1
1km
,GSV
-11
km,G
I,G
2,G
3-11
km
330.
36 la
cs
50.4
6m
onth
s 23
7.61
It
w
ill p
rovi
de
conn
ectiv
ity o
f M
okal
pur
to
NH
AI
gold
en q
uadr
ilate
ral
high
way
18
35 R
oads
at
vario
us lo
catio
ns in
R
atla
m
1035
3.08
20
3.81
km
1035
3.08
19
Rur
al H
ealth
Cen
tres
(N
os.)
in J
abal
pur
5
400
400.
00
20
Mob
ile S
oil T
estin
g La
bs in
Jab
alpu
r
2 50
50
.00
21
Reju
vana
tion
of
com
mun
ity
base
d Li
ft
Irrig
atio
n Sy
stem
(L
IS)-
In
all
06 bl
ocks
of t
he J
habu
a di
stric
t (
LIS
scat
tere
d in
ru
ral a
reas
) , Jh
abua
At
t
he t
ime
of
initi
atio
n of
th
e pr
ojec
t, w
ork
was
co
mpl
eted
bu
t du
e
to
lac
k of
In
stitu
tiona
l su
ppor
t (f
und)
an
d fo
llow
up
, pr
ojec
t
be
cam
e un
func
tiona
l/
abon
dene
d.
1100
LIS
N
/A
Inst
alat
ion
of w
ater
lif
ting
mac
hine
etc
. an
d de
liver
y of
pi
pelin
es.
12
m
onth
s 10
00.0
0
1)Sh
iftin
g of
farm
ing
syst
em fr
om lo
w v
alue
cr
ops/
com
mod
ities
to
high
va
lue
cr
ops/
co
mm
oditi
es. 2)
N
atur
al
reso
urce
s m
anag
emen
t an
d w
ater
use
d ef
ficie
ncy.
3)In
crea
se
in
prod
uctio
n/pr
oduc
tivity
of
crop
s an
d co
mm
odity
, Ar
ea
expa
nsio
n an
d up
liftm
ent
of li
velih
ood.
22
Kush
alpu
ra
Med
ium
M
ultip
urpo
se
Proj
ect
(Vill
age
Kush
alpu
ra-B
iaor
a) R
ajga
rh
Dam
wor
k
Uni
t I
com
plet
ed
Can
anl
s
yste
m
Uni
t I
ong
oing
95%
82
41.0
5
5%
of
cana
l wor
k is
to
be
done
Dec
.
201
3 (6
mon
ths)
45
0.00
7540
H
a. a
rea
will
be
irrig
ated
23
Pilia
Kha
l Dam
(N
alkh
eda)
W
ork
up
to
90%
Com
plet
ed.
--
1181
.00
Rem
aini
ng
10%
to
be
done
6
mon
ths
25.0
6 App
roxi
mat
ely
1816
Ha.
land
24
Mod
el S
choo
l Kat
ni
Sil l
evel
39
7 39
7
12
m
onth
s 39
7.00
320
s
tude
nts
25
Mod
el
Scho
ol B
adw
ara,
Kat
ni
Sil l
evel
39
7 39
7
12
m
onth
s 39
7.00
320
s
tude
nts
26
Mod
el S
choo
l Rith
i, Ka
tni
Firs
t flo
or
397
397
12
m
onth
s 39
7.00
320
s
tude
nts
27
Mod
el S
choo
l Vija
yrag
havg
arh,
Kat
ni
Sil l
evel
39
7 39
7
12
m
onth
s 39
7.00
320
s
tude
nts
28
Mod
el S
choo
l Dhi
mar
khed
a, K
atni
Pl
inth
39
7 39
7
12
m
onth
s 39
7.00
320
s
tude
nts
29
Mod
el S
choo
l Bah
orib
and,
Kat
ni
Sil l
evel
39
7 39
7
12
m
onth
s 39
7.00
320
s
tude
nts
113
30
Phar
ri
sem
ar
se
Kham
raun
dh
Mar
g pe
N
arm
ada
Nad
i par
Pul
nirm
aana
t Anu
ppur
N
IL
NA
N
A
40.0
0
met
er
24
Mon
ths
125.
00 A
ll w
eath
er C
onne
ctiv
ity
to v
illag
es-
24 V
illag
es &
14
691
popu
latio
n
31
Lapt
a se
Cho
rmaa
ti m
arge
pe
Tipa
an N
adi
par
Pul n
irmaa
nat
Anup
pur
NIL
N
A
NA
18
0.00
met
er
36
Mon
ths
540.
00 A
ll w
eath
er C
onne
ctiv
ity
to v
illag
es-
20 V
illag
es &
18
604
popu
latio
n
32
Kotm
a La
hsui
Khu
dri
mar
g pa
r ke
wai
nad
i Pu
l nirm
aana
t Anu
ppur
N
IL
NA
N
A
235.
00
met
er
36
Mon
ths
650.
00 A
ll w
eath
er C
onne
ctiv
ity
to v
illag
es-
22 V
illag
es &
82
518
popu
latio
n
33
BHIN
D -
Pra
tap
Pura
G
irgao
n Ro
ad B
ridge
ov
er V
asily
Riv
er
Wor
k up
to s
ub-
stru
ctur
e le
vel
com
plet
ed
- 48
.63
Supe
r
stru
ctur
e an
d ap
proa
ch
Road
12
m
onth
s 22
.00
25 v
illag
es w
ill b
e co
nnec
ted
to m
ains
trea
m
Con
nect
ivity
will
incr
ease
tra
de ,t
rans
port
,
bett
er h
ealth
fac
ility
and
gi
ve b
ette
r
rem
uner
atio
n to
farm
ers
for
thei
r ag
ril
prod
uce.
34
Shah
dol
- 6
Brid
ges
- Chu
hri
Lafd
a M
aika
M
DR
per
Son
e riv
er ,
Rew
a S
hahd
ol S
H9
par
Asw
ari B
ochk
i Cha
uri M
anpu
r m
arge
ke
Km 1
5/10
me
Son
Nad
i pa
r, Sh
yam
dih
Kanw
ahi
mar
g m
e So
n N
adi
par,
Bara
j se
Ka
leh
bijh
a m
arg
par
Jhaa
pan
Nad
i pa
r ,
Mai
ka C
huhr
i m
arg
ke K
om 9
/10
Son
Nad
i pa
r ,
Papa
undh
D
uora
Han
umaa
n te
kri
mar
ge p
ar S
on N
adi
NIL
N
A
NA
16
20 m
24
-36
mnt
hs
4193
.00
All
w
eath
er C
onne
ctiv
ity
to v
illag
es-
20 V
illag
es &
14
893
popu
latio
n
35
Rur
al
Brid
ge
(Bel
khed
a-Ka
taig
hat
in
Jaba
lpur
150
m
-d
o-
18
0.00
Con
nect
ivity
to
5-6
GPs
36
Rur
al
B
ridge
(Seh
ora-
Kum
bhi
in S
ehor
a Bl
ock
in J
abal
pur
19
0 M
58
0 -d
o-
58
0.00
37
Rur
al
B
ridge
(M
ajha
uli-Po
dhi-La
mka
na)
in J
abal
pur
13
0 M
46
5 -d
o-
46
5.00
38
Coa
ted
wire
- ,D
har
- N
IL-
12.0
0 la
kh
12.0
0 1
U
nit
6 m
onth
s 12
.00
39
Cer
emic
Fi
bers
- Pi
tham
pur
- N
IL-
15.0
0 la
kh
15.0
0 1
U
nit
6 m
onth
s 15
.00
40
Pape
R B
ox P
rodu
cts
- P
itham
pur
- N
IL-
2.00
la
kh
2.00
1
U
nit
6 m
onth
s 2.
00
41
Nis
ha a
draa
j M
anga
l Bh
avan
-
Nau
gaon
, Si
tapa
at,
Man
dav,
Su
ndre
l, Am
jher
a,
Man
avar,
Nal
chha
, Sa
gour
-
NIL
- 20
.00
lakh
each
14
0.00
1
U
nit
each
6
m
onth
s 14
0.00
Loca
l f
ishe
ry c
omm
unity
w
ill b
e im
men
sely
be
nefit
ted.
42
Fi
sh S
tora
ge -
Kh
algh
at,
- N
IL-
80.0
0 la
kh
80.0
0 1
U
nit
6 m
onth
s 80
.00
30 to
nnes
f
ishe
s ca
n
114
be s
tore
d.
43
Fish
Mar
ketl -
G
ujar
i, Je
erab
ad,
Raj
garh
, Am
jher
a, B
aag,
Tan
da,
Kuks
hi,
Kala
bava
di
(Dha
ram
puri B
lock
) ,
- N
IL-
3.50
lakh
each
24
.50
1 U
nit
each
6
m
onth
s 24
.50
Loca
l peo
ple
will
be
bene
fitt
ed.
44
Farm
ers
Trai
ning
Cen
tre
- D
har
- N
IL-
50.0
0 la
kh
50.0
0 1
U
nit
6 m
onth
s 50
.00
Late
st t
rain
ing
on
tech
niqu
es o
f fa
rmin
g sh
all
incr
ese
prod
uctio
n an
d
pr
oduc
tvity
45
Kris
hak
Bha
van
- D
har
,
- N
IL-
120.
00 la
kh
120.
00
1 U
nit
6 m
onth
s 12
0.00
This
w
ill p
rovi
de b
ette
r ac
com
odat
ion
to t
rain
ers.
46
Nur
sary
- U
mar
ban
- N
IL-
45.0
0 la
kh
45.0
0 1
U
nit
6 m
onth
s 45
.00
Loca
l far
mer
s sh
all
g
et
good
qua
lity
of p
lant
s.
47
Nur
sary
- K
uksh
i -
NIL
- 45
.00
la
kh
45.0
0 1
U
nit
6 m
onth
s 45
.00
Loca
l far
mer
s sh
all
g
et
good
qua
lity
of p
lant
s.
48
Vetr
inar
y D
ispa
ncer
y -
Kuva
a,
Sam
alpu
r, G
orag
aon,
Aah
u,
Khad
an
Buj
urg,
Ch
ilur,
Gum
anpu
ra
(Ti
rla
Blo
ck)
- N
IL-
13.0
0 la
kh
13.0
0 1
U
nit
6 m
onth
s 13
.00
Thes
e vi
llage
s ha
s no
ve
trin
ary
disp
ansa
ry
faci
lity
and
villa
gers
trv
el a
lo
ng for
tre
atm
ent
of
thei
r an
imal
s. I
f V.D
es
tabl
ishe
d he
re v
illag
ers
wou
ld b
e be
nefitt
ed li
ke
any
thin
g
49
Vetr
inar
y H
ospi
tal
- Ka
nvan
(B
adna
war
Blo
ck)
, -
NIL
- 3.
00
lakh
3.
00
1 U
nit
6 m
onth
s 15
.00
50
Hos
pita
l - U
ndre
l (D
hara
mpu
ri B
lock
) ,
- N
IL-
13.0
0 la
kh
13.0
0 1
U
nit
6
mon
ths
13.0
0
T
OT
AL (
A)
52
07
7.0
1
115
B. P
RO
JEC
TS S
UG
GES
TED
FO
R I
NC
LUS
ION
IN
TH
E S
TATE
PLA
N
Sr.
N
o.
Pro
ject
nam
e an
d lo
cati
on
Nat
ure
of
pro
ject
(l
ike
Irri
gat
ion
, w
areh
ousi
ng,
m
arke
t ya
rd, e
tc.)
Exp
ecte
d b
enef
it in
p
rod
uct
ion
/
pro
du
ctiv
ity,
Far
mer
s in
com
e, m
arke
t lin
kag
e, v
alu
e ad
dit
ion
Ph
y. O
utla
y (U
nit
) To
tal F
in. O
utl
ay
Tim
e re
qu
ired
to
com
ple
te
(mon
ths)
(`̀ in
Lak
h)
(`̀ in
Lak
h)
(I
) P
RO
JEC
TS H
AV
ING
A L
AR
GE
IMP
AC
T O
N P
RO
DU
CTI
ON
/PR
OD
UC
TIV
ITY
1 Es
tabl
ishm
ent
of N
urse
ry (
war
aseo
ni, l
anjji
, Ki
rnap
ur a
nd B
irsa
Bloc
ks o
f Bal
agha
t)
Plan
tatio
n an
d H
ortic
ultu
re
Incr
ease
d pr
oduc
tion
of
plan
tatio
n an
d pr
oduc
tivity
of
hort
icul
ture
cro
ps.
4 48
6
Mon
ths
2 Po
ly h
ouse
s (P
rote
cted
Cul
tivat
ion)
in 0
2 Bl
ocks
( L
albu
rra
and
Birs
a Bl
ocks
of
Bala
ghat
)
Plan
tatio
n an
d H
ortic
ultu
re
2
9.5.
00
6 m
onth
s
3 Es
tabl
ishm
ent
of t
rain
ing
cent
res
in B
alag
hat
Plan
tatio
n an
d H
ortic
ultu
re
Trai
ning
to
farm
ers
and
staf
f. 10
15
0 12
mon
ths
4 Sl
augh
ter
hous
e in
Bal
agha
t An
imal
Hus
bund
ry
No
slau
ghte
r ho
use
is in
ex
ist
1 10
0
5
BETU
L -
18 I
RRI
GAT
ION
PR
OJE
CTS
- Ba
dald
oh J
alas
haya
, Deh
good
Jal
asha
ya,,
Gho
ghar
i Jal
asha
ya, Ka
kadp
ani J
alas
haya
, G
oreg
aon
jala
shay
a, M
andw
a Ba
iraj,
Gau
tam
a ja
lash
aya
(Bha
insd
ehi 1
33),
Kha
ddad
ev
Jala
shay
a, B
arri
Jala
shay
a, H
ardu
Jal
asha
ya,
Savn
yako
l Jal
asya
, Kot
halk
und
Jala
shay
a,
Ray
ata
jala
shay
a, G
auta
ma
jala
shay
a,
Juna
vani
Jal
asha
ya,
Koya
lari
Jala
shay
a,
Rai
nkha
pa J
alas
haya
Irrig
atio
n --
23
93
1266
3
6 Bh
avsa
Mad
hyam
, Bu
rhan
pur
Irrig
atio
n
2140
Ha.
58
08
24
7 Ch
hoti
Utt
aval
i, Bu
rhan
pur
Irrig
atio
n
2500
Ha.
75
38
28
8 Ag
ri M
arke
t Ya
rd H
arra
i Chh
indw
ara
M
arke
t Ya
rd
Prov
idin
g fa
cilit
ies
for
stor
age
and
bett
er p
rice
real
izat
ion
1 +
sto
rage
of
5000
M
T 50
0 3
year
s
9 Ag
ri M
arke
t Ya
rd M
ohkh
ed C
hhin
dwar
a M
arke
t Ya
rd
Prov
idin
g fa
cilit
ies
for
stor
age
and
bett
er p
rice
real
izat
ion
1 +
sto
rage
of
1000
0 M
T 65
0 3
year
s
116
10
Agr
i Mar
ket
Yard
Tam
ia C
hhin
dwar
a
Mar
ket
Yard
Pr
ovid
ing
faci
litie
s fo
r st
orag
e an
d be
tter
pric
e re
aliz
atio
n
1 +
sto
rage
of
1000
0 M
T 65
0 3
year
s
11
Agr
i Mar
ket
Yard
Bic
hhua
Chh
indw
ara
Mar
ket
Yard
Pr
ovid
ing
faci
litie
s fo
r st
orag
e an
d be
tter
pric
e re
aliz
atio
n
1 +
sto
rage
of
5000
M
T 50
0 3
year
s
12
Agr
i Mar
ket
Yard
Par
asia
, Chh
indw
ara
M
arke
t Ya
rd
Prov
idin
g fa
cilit
ies
for
stor
age
and
bett
er p
rice
real
izat
ion
1 +
sto
rage
of
1000
0 M
T 65
0 3
year
s
13
Kava
dia
Parv
at,
Nea
r Pi
pri,
Bloc
k Ba
gli,
Dew
as
Inte
grat
ed
infr
astr
uctu
re p
acka
ge
for
rura
l tou
rism
Empl
oym
ent
and
inco
me
gene
ratio
n du
e to
Rur
al
tour
ism
Tran
spor
t, lo
dgin
g,
boar
ding
, po
wer
su
pply, si
te
expl
orat
ion
at t
he
clus
ter
of t
he 7
m
ount
ains
400
12
14
In a
roun
d 10
0 vi
llage
s of
Dew
as
Wat
er f
low
m
anag
emen
t
Floo
d pr
otec
tion
/ dr
aina
ge/
mon
soon
se
ason
al w
ater
flo
w
regu
latio
n/ R
ise
in
Soyb
ean
prod
uctiv
ity
100
villa
ges
500
8
15
At
10 p
lace
sof
Dew
as
Riv
erin
e fis
hery
Fi
sh p
rodu
ctio
n 10
fis
hing
str
uctu
res
200
12
16
50 H
a ar
ea in
Vill
age
Sirs
ouda
in B
lock
So
nkat
chha
of D
ewas
N
ew in
dust
rial r
ural
zo
ne
Abs
orpt
ion
of in
vest
men
t in
flow
, se
ctor
al(
indu
stria
l) a
nd r
egio
nal
deve
lopm
ent
Rur
al r
oads
of 80
ft
wid
th, 13
2 KV
A el
ectr
ic s
ubst
atio
ns,
wat
er s
uppl
y, f
ire
stat
ion
, bu
s st
and,
tr
ansp
ort
com
plex
, m
arke
t, d
rain
age,
gr
een
belt
3300
18
17
At
6 bl
ocks
of D
ewas
In
fras
truc
ture
for
Art
isan
clu
ster
s
Com
mon
ser
vice
/
mac
hine
ry c
entr
es
mak
ing
high
cos
t m
achi
nes
avai
labl
e to
ar
tisan
s
6 un
its
600
Wou
ld b
e us
eful
fo
r de
cora
tive
pott
ery,
lac
bang
les,
bl
acks
mith
and
so
ft /
cast
iron
w
ork,
car
pent
ary,
le
athe
r pr
oduc
ts,
sew
ing
etc
117
18
Kaim
ari R
eser
voir,
Gw
alio
r Ir
rigat
ion
Incr
ease
in p
rodu
ctio
n/
prod
uctiv
ity
100
ha
100
12 m
onth
19
Kazi
r Jh
ora
Aliy
a Po
nd in
vill
age
Dor
ar,
Gw
alio
r Ir
rigat
ion
Incr
ease
in p
rodu
ctio
n/
prod
uctiv
ity
100
ha
100
12 m
onth
20
Ponr
in v
illag
e Ch
arai
, G
wal
ior
Irrig
atio
n In
crea
se in
pro
duct
ion/
pr
oduc
tivity
10
0 ha
10
0 12
mon
th
21
Han
upur
a Po
nad,
Gw
alio
r Ir
rigat
ion
Incr
ease
in p
rodu
ctio
n/
prod
uctiv
ity
100
ha
100
12 m
onth
22
Stop
dam
at
Chap
argh
at, G
wal
ior
Irrig
atio
n In
crea
se in
pro
duct
ion/
pr
oduc
tivity
10
0 ha
10
0 12
mon
th
23
3 N
os. Se
ries
stop
dam
s on
San
kh R
iver
, G
wal
ior
Irrig
atio
n In
crea
se in
pro
duct
ion/
pr
oduc
tivity
10
0 ha
10
0 12
mon
th
24
Cons
truc
tion
of V
eten
ary
Hos
pita
l in
Kalm
ora
villa
ge, Ram
a bl
ock
of J
habu
a di
stric
t An
imal
Hus
band
ry
Bett
er a
nim
al h
ealth
fa
cilit
ies
lead
ing
to
impr
oved
milk
yie
ld/
prod
uctio
n
1 48
12
- 24
mon
ths
25
Eart
an D
am/
Cana
l (M
ediu
m),
Kal
yanp
ura
of
Jhab
ua B
lock
W
ater
Har
vest
ing
Stru
ctur
e(Ir
rigat
ion)
25 t
o 30
% in
crea
se in
pr
oduc
tion
and
prod
uctiv
ity,
(Irr
igat
ed
crop
Whe
at, Co
tton
, ve
geta
bles
, fr
uits
etc
.)-
Chan
ge in
the
far
min
g sy
stem
from
low
val
ue t
o hi
gh v
alue
cro
ps
01(M
ediu
m)
2500
24
mon
ths
26
Eart
an D
am/
Cana
l(M
ediu
m),
Meg
hnag
ar
Bloc
k of
Jha
bua
Dis
tric
t W
ater
Har
vest
ing
Stru
ctur
e(Ir
rigat
ion)
25 t
o 30
% in
crea
se in
pr
oduc
tion
and
prod
uctiv
ity, (I
rrig
ated
cr
op W
heat
, Co
tton
, ve
geta
bles
, fr
uits
etc
.)-
Chan
ge in
the
far
min
g sy
stem
from
low
val
ue t
o hi
gh v
alue
cro
ps
01(M
ediu
m)
2500
24
mon
ths
27
Cons
truc
tion
of V
eten
ary
Hos
pita
l in
Aan
dhar
kanc
h vi
llage
, Ka
thiw
ada
bloc
k of
Alir
ajpu
r di
stric
t An
imal
Hus
band
ry
Bett
er a
nim
al h
ealth
fa
cilit
ies
lead
ing
to
impr
oved
milk
yie
ld/
prod
uctio
n
1 48
12
- 24
mon
ths
28
Cons
truc
tion
of V
eten
ary
Hos
pita
l in
Silo
ta
villa
ge, So
ndw
a bl
ock
of A
liraj
pur
dist
rict
Anim
al H
usba
ndry
Be
tter
ani
mal
hea
lth
faci
litie
s le
adin
g to
im
prov
ed m
ilk y
ield
/ 1
48
12-
24 m
onth
s
118
prod
uctio
n
29
Eart
an D
am/
Cana
l(Med
ium
), J
obat
Blo
ck o
f Al
irajp
ur D
istr
ict
Wat
er H
arve
stin
g St
ruct
ure(
Irrig
atio
n)
25 to
30
% in
crea
se in
pr
oduc
tion
and
prod
uctiv
ity, (
Irrig
ated
cr
op W
heat
, Cot
ton,
ve
geta
bles
, fru
its e
tc.)
-Ch
ange
in t
he fa
rmin
g sy
stem
from
low
val
ue to
hi
gh v
alue
cro
ps
01(M
ediu
m)
2500
24
mon
ths
30
Stop
dam
pro
duci
ng le
ss R
pta
, Chi
taga
rh ,
Ram
pur
bagh
elan
, Sa
tna
irrig
atio
n In
crea
sed
wat
er s
uppl
y 1
55
36 m
onth
s
31
Cons
truc
tion
of o
rbit
road
in M
aa S
hara
da
devi
man
dir
, Mah
yar
, Sat
na
road
In
crea
se in
tour
ism
5K
M
100
24 m
onth
s
32
Cons
truc
tion
of y
atri
wai
ting
hall
at C
hitr
akoo
t bu
s st
and,
Sat
na
Wai
ting
hall
Incr
ease
in to
uris
m
1 90
24
mon
ths
33
Cons
truc
tion
of b
ound
ary
wal
l and
add
ition
al
room
s in
Jal
ad T
rimur
thy
colle
ge ,
Nag
aud,
Sa
tna
Boun
dary
wal
l se
curit
y 1
50
24 m
onth
s
34
Cons
truc
tion
of b
ound
ary
wal
l in
govt
girl
s hi
gher
sec
onda
ry s
choo
l bui
ldin
g at
Bi
rsin
ghpu
r, Sa
tna
Boun
dary
wal
l se
curit
y 1
25
24 m
onth
s
35
Cons
truc
tion
of s
tadi
um in
Mah
yar,
Satn
a
stad
ium
sp
orts
1
50
36 m
onth
s
36
Ichh
awar
, Bud
hni,
Nas
rulla
ganj
and
Seh
ore
Ve
terin
ary
Hos
pita
ls –
Re
pairs
/ ne
w
cons
truc
tion
Impr
ovem
ent i
n m
ilk
prod
uctio
n/ p
rodu
ctiv
ity
37 (
18
new
, 9
exte
nsio
n an
d re
pairs
, 2
enric
hmen
t)
196
12
37
Ichh
awar
, Bud
hni,
Nas
rulla
ganj
and
Seh
ore
Pa
stur
e la
nd
deve
lopm
ent
Gre
en fo
dder
ava
ilabi
lity
Arou
nd 1
0 H
a un
der
each
uni
t fo
r 8
units
in
eac
h bl
ock
for
4 bl
ocks
, Tot
al
200
Ha
200
12
38
Ichh
awar
, Bud
hni,
Nas
rulla
ganj
and
Seh
ore
E-
vet p
roje
ct
ICT
/ el
ectr
onic
te
chno
logy
usa
ge fo
r on
line
diag
nosi
s an
d tr
eatm
ent
90 e
-vet
cen
tres
at
90 G
ram
Pan
chay
at
36
12
39
Ichh
awar
, Bud
hni,
Nas
rulla
ganj
and
Seh
ore
M
ilk c
old
stor
age
Bett
er s
tora
ge a
nd
mar
ketin
g of
milk
1
20
12
119
40
Fore
st ra
nges
in L
adku
i and
Bud
hni,
Mou
ntai
n an
d w
ater
spo
ts in
Bud
hni,
Reht
i and
N
asru
llaga
nj
Inte
grat
ed
infr
astr
uctu
re p
acka
ge
for r
ural
tour
ism
Empl
oym
ent a
nd in
com
e ge
nera
tion
due
to R
ural
to
uris
m
Tran
spor
t/ t
rave
l, lo
dgin
g, b
oard
ing,
co
mm
unic
atio
n,
pow
er s
uppl
y, s
ite
expl
orat
ion
400
12
41
In a
roun
d 20
vill
ages
( in
the
are
as a
s ill
ustr
aste
d in
the
PLP
Seho
re -
page
88)
, Se
hore
Wat
er fl
ow
man
agem
ent
Floo
d pr
otec
tion
/ dr
aina
ge/
mon
soon
se
ason
al w
ater
flow
re
gula
tion/
Ris
e in
So
ybea
n pr
oduc
tivity
20 v
illag
es
100
8
42
At 1
0 pl
aces
, Seh
ore
Rive
rine
fishe
ry
Fish
pro
duct
ion
10 fi
shin
g st
ruct
ures
20
0 12
43
At 5
blo
cks,
Seh
ore
Infr
astr
uctu
re fo
r Ar
tisan
clu
ster
s
Com
mon
ser
vice
/
mac
hine
ry c
entr
es
mak
ing
high
cos
t m
achi
nes
avai
labl
e to
ar
tisan
s
5 un
its
500
12
44
At 5
blo
cks,
Seh
ore
Elec
tric
al s
uppl
y re
pairs
sys
tem
Repl
acem
ent a
nd r
epai
rs
of tr
ansf
orm
ers
for
ensu
ring
supp
ly o
f el
ectr
icity
5 un
its in
clud
ing
mob
ile v
ans
250
6
45
At 5
blo
cks,
Seh
ore
Repa
irs o
f dila
pida
ted
scho
ol b
uild
ings
Sa
fety
of s
tude
nts
25 s
choo
ls
100
8
46
At 5
blo
cks,
Seh
ore
Repa
irs o
f dila
pida
ted
wat
er ta
nks
Wat
er s
uppl
y an
d sa
fety
25
tank
s 10
0 8
47
Agri
Mar
ket Y
ard
Kura
i, Se
oni
Mar
ket Y
ard
Prov
idin
g fa
cilit
ies
for
stor
age
and
bette
r pr
ice
real
izat
ion
1 +
sto
rage
of 5
000
MT
500
3 ye
ars
48
Agri
Mar
ket Y
ard
Dha
nora
, Se
oni
Mar
ket Y
ard
Prov
idin
g fa
cilit
ies
for
stor
age
and
bette
r pr
ice
real
izatio
n
1 +
sto
rage
of 5
000
MT
500
3 ye
ars
49
Stor
age
faci
lity
at A
gri M
arke
t Yar
d G
hans
ore
, Seo
ni
War
ehou
sing
Prov
idin
g fa
cilit
ies
for
stor
age
and
bette
r pr
ice
real
izatio
n st
orag
e of
500
0 M
T 20
0 3
year
s
50
Stor
age
faci
lity
at A
gri M
arke
t Yar
d La
khna
don,
Seo
ni
War
ehou
sing
Prov
idin
g fa
cilit
ies
for
stor
age
and
bette
r pr
ice
real
izatio
n st
orag
e of
100
00 M
T 35
0 3
year
s
120
51
SHAJ
APUR
- 3
Pro
ject
s -
Keet
khed
i (m
ediu
m)
Irrig
atio
n Pr
ojec
t (So
yat K
ala)
, Khe
da R
aipu
r Ne
waj
riv
er (
Shuj
alpu
r), P
ili K
arar
Ber
rage
Ne
waj
riv
er (
Kala
pipa
l)
For
Irrig
atio
n an
d D
rinki
ng W
ater
Def
inite
ly th
e af
ter
the
com
plet
ion
of p
roje
ct
ther
e w
ill be
incr
ease
in
prod
uctio
n/pr
oduc
tivity
/as
wel
l as
in th
e in
crea
se o
f fa
rmer
s in
com
e
1965
00 Q
tl 29
47.5
6
mon
ths
- 1
year
s
52
Pach
hipu
ra T
ank
in P
ohar
i blo
ck,S
hivp
uri
Irrig
atio
n Ar
ea 1
495
Ha
Leng
th 1
0 M
eter
26
74
Tend
er
Sanc
tione
d.
53
SHIV
PURI
- 4
Stop
Dam
s - o
n Ku
no R
iver
in
Poha
ri Bl
ock
- Thi
ghar
a St
op D
am, K
harv
aya
Stop
Dam
, Tuk
i Sto
p D
am, M
ehlo
ni
Irrig
atio
n 10
60 H
a 16
Km
s 14
48
AIBP
san
ctio
ned
in
Aug'
13
54
Ujja
in -
4 W
ATER
TAN
KS -
Bha
nTal
awli
Tala
b Bl
ock
Badn
agar
, Cho
ti M
ata
Tala
b Bl
ock
Badn
agar
, Bal
oda
Tala
b Bl
ock
Mah
idpu
r, 'B
agla
Tal
ab B
lock
Mah
idpu
r
Wat
er T
ank
Will
pro
vide
irrig
atio
n fa
cilit
y to
900
Hac
. of
agric
ultu
re la
nd.
4 22
40
12-1
8 M
onth
s
55
57 S
TOP
DAM
s at
San
chi,
Bega
mga
nj,
gaira
tgan
j, Ud
aipu
ra e
tc
IRRI
GATI
ON
12
67
12 m
onth
s ea
ch
SU
B T
OTA
L (I
) 57
109
(I
I) V
ALU
E A
DD
ITIO
N /
PO
ST H
ARV
EST
MA
NA
GEM
ENT
1 Co
ld s
tora
ge in
Pat
an a
nd S
hahp
ura
bloc
ks,
Jaba
lpur
Co
ld s
tora
ge fa
cilit
y To
pro
vide
she
lf lif
e fo
r ve
geta
bles
/Mut
ter
2 30
0 1-
2 ye
ars
2 Ri
ce M
ills
in P
atan
/Jab
alpu
r/Sh
ahpu
ra b
lock
s,
Jaba
lpur
Ag
ro-p
roce
ssin
g Va
lue
addi
tion/
proc
essi
ng
for b
ette
r in
com
e to
fa
rmer
s 4
200
-do-
3 M
ango
Pro
cess
ing
Unit
at T
hand
la B
lock
of
Jhab
ua d
istric
t Ag
ro a
nd F
ood
Proc
essi
ng
All u
nder
one
roof
faci
lity
linke
d w
ith th
e pr
oces
sing
pl
ants
will
enh
ance
the
Valu
e ad
ditio
n of
the
crop
an
d gi
ve r
emue
rativ
e pr
ices
in ti
mes
of p
rodu
ct
dem
and.
One
Man
go P
roce
ssin
g un
it al
ongw
ith c
old
stor
age.
(5
00 M
T)
250.
00
12 m
onth
s
4 To
mat
o pr
oces
sing
Uni
t alo
ngw
ith c
old
stor
age
in P
etla
wad
blo
ck o
f Jha
bua
dist
rict
Agro
and
Foo
d Pr
oces
sing
Valu
e ad
ditio
n of
the
crop
an
d gi
ve r
emun
erat
ive
pric
es in
tim
es o
f pro
duct
de
man
d.
One
Tom
ato
Proc
essi
ng u
nit
alon
gwith
col
d st
orag
e (5
00
MT)
30
0.00
12
mon
ths
121
5 Se
ttin
g up
of
Milk
Col
lect
ion
Cent
re a
t Th
andl
a bl
ock
of J
habu
a di
stric
t An
imal
Hus
band
ry
Milk
pro
duct
ion
will
in
crea
se b
y 15
to
20 %
. M
ilkm
en/F
arm
ers
will
get
as
sure
d an
d go
od r
ate
01(2
000
ltr.)
25
0.00
06
– 1
2 m
onth
s
6 M
ango
Pro
cess
ing
Uni
t at
Son
dwa
Bloc
k of
Al
irajp
ur d
istr
ict
Agro
and
Foo
d Pr
oces
sing
All u
nder
one
roo
f fac
ility
lin
ked
with
the
pro
cess
ing
plan
ts w
ill e
nhan
ce t
he
Valu
e ad
ditio
n of
the
cro
p an
d gi
ve r
emue
rativ
e pr
ices
in t
imes
of p
rodu
ct
dem
and.
One
Man
go P
roce
ssin
g un
it al
ongw
ith c
old
stor
age.
(5
00 M
T)
250.
00
12 m
onth
s
7 Se
ttin
g up
of
Milk
Col
lect
ion
Cent
re a
t Jo
bat
bloc
k of
Alir
ajpu
r di
stric
t An
imal
Hus
band
ry
Milk
pro
duct
ion
will
in
crea
se b
y 15
to
20 %
. M
ilkm
en/F
arm
ers
will
get
as
sure
d an
d go
od r
ate
01 (
2000
ltr.)
25
0.00
06
– 1
2 m
onth
s
8 Se
ttin
g up
of
Milk
Col
lect
ion
Cent
re a
t So
ndw
a bl
ock
of A
liraj
pur
dist
rict
Anim
al H
usba
ndry
Milk
pro
duct
ion
will
in
crea
se b
y 15
to
20 %
. M
ilkm
en/F
arm
ers
will
get
as
sure
d an
d go
od r
ate
01 (
2000
ltr.)
25
0.00
06
– 1
2 m
onth
s
9 Se
ttin
g up
of
Milk
Col
lect
ion
Cent
re a
t Ka
thiw
ada
bloc
k of
Alir
ajpu
r di
stric
t An
imal
Hus
band
ry
Milk
pro
duct
ion
will
in
crea
se b
y 15
to
20 %
. M
ilkm
en/F
arm
ers
will
get
as
sure
d an
d go
od r
ate
01 (
2000
ltr.)
25
0.00
06
– 1
2 m
onth
s
SU
B T
OTA
L (I
I)
23
00
.00
(I
II)
RU
RA
L C
ON
NEC
TIV
ITY
(a
) R
OA
DS
1
BALA
GH
AT -
11
Road
s -
Butt
a pa
war
itola
to
mai
n Ro
ad,
'Mur
zad
to D
aitb
arra
, Ka
toric
hor
Pind
kepa
r (P
andh
arw
ani M
ohga
on m
arg)
, Rup
zar-
dino
tola
Mar
g,
Amag
aon
Pong
a vi
a si
ddha
bab
a ka
tang
i Mar
g at
Ba
lagh
at, R
amra
ma
Pend
itola
Son
ewan
i Ant
ara,
Ban
jari
Sone
wan
i Bith
ali,
, Par
asw
ad a
Cha
rega
on R
oad,
Dab
ari
Chou
riya
Lanj
ji, V
illag
e N
avi t
o Ja
gala
( G
P—N
avi)
Baih
ar b
lock
, Vill
age
Lim
oti t
o Ch
ikat
ola
(GP-
Nav
i) Ba
ihar
Blo
ck
Road
Conn
ectiv
ity w
ill r
educ
e di
stan
ce in
tra
vel a
nd
prov
ide
bett
er
conn
ectiv
ity t
o m
arke
ts
and
othe
r fa
cilit
ies,
th
ereb
y im
prov
ing
econ
omic
and
soc
ial
qual
ity o
f life
121.
3 68
38
6 -2
4 M
onth
s
2 D
epal
pur
Chm
bal,
Ingo
ria r
oad
mis
sing
link
Dep
alpu
r to
Bi
rgod
a, I
ndor
e Ro
ad
Villa
gers
of
50 v
illag
es w
ill
be b
enef
itted
5.
2 51
2.71
12
122
3 U
p gr
adat
ion,
wid
enin
g an
d st
reng
then
ing
of S
anw
er
Kshi
pra
road
, Ind
ore
Road
Ar
ound
40
villa
ges
will
be
bene
fitte
d 18
25
0.51
30
4 G
owar
dha
Gow
shal
a, I
ngor
i Jun
ctio
n m
arg
Road
Ar
ound
06
villa
ges
will
be
bene
fitte
d 5.
5 21
5.89
8
5 Ti
garia
bad
shah
– I
ndus
tria
l are
a Sa
nwer
roa
d, I
ndor
e Ro
ad
Arou
nd 0
6 vi
llage
s w
ill b
e be
nefit
ted
2.4
205.
55
12
6 35
Roa
ds a
t Sa
nchi
, Gai
ratg
anj,
Bega
mga
nj,
Obe
dullg
anj o
f Rai
sen
35 R
oads
Sa
ving
tim
e an
d m
oney
61
.2
368
12 m
onth
s ea
ch
7
Kham
ariy
a-Ram
naga
r, Pa
udi-
Bako
ri, K
ariy
agao
n-G
ango
ra,
Gad
ra-M
adar
i-Chh
idga
on, N
aray
anga
nj-
Sukh
ram
-Gan
dhad
evri,
Dha
nwah
i-Sod
han-
Pipa
riya
Bhou
ndi i
n M
andl
a
6 Ro
ads
Savi
ng t
ime
and
mon
ey
50.5
32
99
8 24
Roa
ds a
t va
rious
loca
tions
of R
atla
m
Sa
ving
tim
e an
d m
oney
14
4.56
78
18.3
9
9
Shiv
puri
- 7
Road
Pro
ject
s -
Mar
ora
to U
nchi
Bar
od in
Po
hari
bloc
k, N
agar
a to
Dul
hara
in P
ohar
i blo
ck, S
irsod
to
Jam
kho,
Bilw
aram
ata
to U
nchi
Bar
od –
Poh
ari b
lock
, Ch
ar t
o Ky
avad
a –
Poha
ri bl
ock,
Kar
maj
kala
to
Thig
hri
in S
hivp
uri b
lock
, Gar
ima
Petr
ol P
ump
to S
ater
iya
in
Shiv
puri
bloc
k
Road
Conn
ectiv
ity w
ill r
educ
e di
stan
ce in
tra
vel a
nd
prov
ide
bett
er
conn
ectiv
ity t
o m
arke
ts
and
othe
r fa
cilit
ies,
th
ereb
y im
prov
ing
econ
omic
and
soc
ial
qual
ity o
f life
30.2
20
17.0
5 W
ork
not
yet
com
men
ced
. DPR
un
der
prep
arat
ion
10
Khar
gone
- 7
Roa
ds -
Pok
har
Buju
rg t
o M
otib
aba
Dev
stha
n, 'P
ichh
odiy
a to
Dhu
lsui
ng F
alya
, 'K
oth
ada
to
Mon
garg
aon,
, 'G
oalw
adi t
o Le
haku
, , 'B
hom
wad
a-M
alga
on-L
ohar
i-San
gdiy
a Fa
ta, ,
Gan
dhaw
ad t
o Li
khhi
, Pi
paljh
opa
to P
alas
kut
Road
Sa
ving
tim
e an
d m
oney
44
.5
1780
6-
12 m
onth
s
11
Din
dori
- 5
Road
s -
Har
i Tol
a Ba
sani
ya, '
Gua
ra K
anha
ri Ch
ada,
'Kar
anjiy
a- K
arka
mat
ta, 'S
unpu
ri-Bo
ndar
, 'P
alar
iya-
Anup
pur
Bord
er,
Ro
ad
Savi
ng t
ime
and
mon
ey
33
3273
12
Betu
l - 8
Roa
ds -
Kha
pakh
ated
a to
Kaj
li Ro
ad, C
hopn
a H
athn
ora
to M
anda
i, D
hond
wad
a to
Bab
ai, Ba
nspu
r, Ta
wa
Riv
er t
o Sh
antip
ur, Ba
dgao
n to
Kot
mi,
Betu
l to
Har
da, .
Impr
ovem
ent
of B
etul
Kha
ndar
a Ba
rsal
i Am
la
Road
, M
ulta
i to
Bord
ehi
Road
wor
k Sa
ving
tim
e an
d m
oney
71
.2
6270
8-
18 m
onth
s
13
Ujja
in -
4 R
oads
- M
ahid
pur
to U
jjain
via
Tan
da,
Corw
asa,
Bar
khed
a an
d Pa
nvih
ar, A
gar
to C
haka
med
h,
Ram
was
a to
Mat
ana
Khur
d, P
eer
Chay
ak t
o Raj
a Pa
ya
via
Amod
iya,
Gun
awat
Road
The
dist
ance
to
Ujja
in H
Q
will
be
redu
ced
by 1
8 KM
s, w
ill b
enef
it ar
ound
40
000
villa
gers
57.2
44
27
12 -
24
mon
ths
123
14
Sheo
pur
- 4
Road
pro
ject
s -
Sara
i Bal
iyan
a to
Mar
atha
in
Karh
al b
lock
, G
oras
to
Awad
a in
Karh
al b
lock
, D
hoti
to
Nan
awad
via
Kila
rach
, Se
mai
to
Vija
ypur
– V
ijayp
ur
bloc
k
Roa
d
Conn
ectiv
ity w
ill r
educ
e di
stan
ce in
tra
vel a
nd
prov
ide
bett
er
conn
ectiv
ity t
o m
arke
ts
and
othe
r fa
cilit
ies,
th
ereb
y im
prov
ing
econ
omic
and
soc
ial
qual
ity o
f life
(c
onne
ctiv
ity in
12
villa
ges)
86.5
12
650
Two
Year
s W
ork
not
yet
com
men
ced
. D
PR
unde
r pr
epar
atio
n
15
Chhi
ndw
ara
- 4
Road
s -
Pura
Chi
roha
Roa
d, H
arra
i-R
ichk
udi ,
Jad
erua
Beh
at , T
arad
ehi-
Pond
i-Cha
ndan
a-H
arra
i Roa
d
Giv
e co
nnec
tivity
to
Imlia
, Kh
iria,
Man
dla,
Chi
rola
, Ki
shan
ganj
vill
ages
. G
ive
acce
ss t
o sc
hool
s, a
nd
heal
th c
entr
e an
d D
istt
H
Q
46.6
28
27.4
5 12
-24
mon
ths
16
'NAR
SIN
GH
PUR
- 2
Roa
ds -
Mah
gaw
an t
ala
to B
ham
a Roa
d to
tal l
engt
h 20
.30
km
Roa
d `
.121
5.62
Lak
h 38
.9
2403
.08
1 Ye
ar
17
Seon
i - 4
Roa
ds -
Vill
ageT
emni
(G
.P S
arra
hirr
i) Sa
rrah
irri,
Kura
i blo
ck , V
illag
e G
hat
Kohk
a Te
mni
, Ku
rai
bloc
k, V
illag
e Ka
tang
i – G
hat
Kohk
a, K
urai
blo
ck, Vi
llage
Jh
iriya
tola
to
Moh
gaon
, Ku
rai b
lock
,
Rur
al R
oads
Conn
ectiv
ity w
ill r
educ
e di
stan
ce in
tra
vel a
nd
prov
ide
bett
er
conn
ectiv
ity t
o m
arke
ts
and
othe
r fa
cilit
ies,
th
ereb
y im
prov
ing
econ
omic
and
soc
ial
qual
ity o
f life
7 24
5 1
year
18
Dat
ia -
Sab
alga
rh t
o D
eoga
rh P
ahuc
h M
arg
via
Gal
eta
, Bh
ensr
oli,
Paya
tha,
Bav
arip
ur
Roa
d 10
vill
ages
will
be
conn
ecte
d to
mai
nstr
eam
. 17
.5
729.
93
12 m
onth
s
19
Bada
gaon
Sih
onni
a M
arg
Roa
d 18
vill
ages
will
be
conn
ecte
d 28
24
96.4
8 12
mon
ths
20
Asa
h Bh
ages
hwar
i Man
dir
Mar
g Roa
d 10
vill
ages
will
be
conn
ecte
d 7.
8
684.
37
21
Saga
r -
Nirt
ala-
Bhap
son-
Man
di B
ham
ora
Road
, M
ahar
ajpu
r Jh
amar
a M
arg,
Gor
jham
ar-K
esli-
Tada
-Su
jarw
ar M
arg,
Seo
ni
Shor
test
rou
te fr
om S
agar
to
man
di
Bhom
ora
serv
ing
2. L
acs
popu
latio
n 92
10
596
18
22
Dev
garh
to
Rat
anga
rhm
ata
man
dir
road
, D
atia
Roa
d Im
prov
ed c
onne
ctiv
ity
9.6
380.
68
15 m
onth
23
Um
ri Fo
oph
to S
arai
Mar
g Roa
d 8
villa
ges
will
be
conn
ecte
d 5
192.
18
12 m
onth
s
24
Mar
uput
a to
Tik
ri to
Cho
wki
to
Balis
pura
to
Am
leda
to
Roa
d 21
vill
ages
will
be
16.7
83
0 15
mon
ths
124
Har
irajp
ura
to E
taha
d Pa
piti
Paw
ai M
arg
conn
ecte
d
25
Jakh
mol
i to
Rath
ore
ki M
adai
ya v
ia L
arol
Mar
g Ro
ad
12 v
illag
es w
ill b
e co
nnec
ted
7 48
3.77
15
mon
ths
S
UB
TO
TAL
III
(a)
1007
.36
Km
71
794.
04
(b
) B
RID
GES
1
Bala
ghat
- 4
Brid
ges
- ove
r Cha
ndan
Riv
er in
Jh
aliw
ada-
Meh
duli
Mar
g, o
ver
Bava
ntha
di
Rive
r in
Badh
awan
i Dev
anar
a M
arg,
ove
r D
oriy
anal
a in
Cha
kahe
ti- J
amun
tola
Mar
g,
over
Dok
ariy
a na
la in
Koc
heva
hi-B
otej
hari
Mar
g
Brid
ge
Conn
ectiv
ity w
ill r
educ
e di
stan
ce in
trav
el a
nd
prov
ide
bette
r co
nnec
tivity
to m
arke
ts
and
othe
r fa
cilit
ies
676
2494
.89
36 M
onth
s
2
Chhi
ndw
ara
- 3 B
ridge
s - o
ver
Bhai
sahi
riv
er
on N
aveg
aon
Ghan
a Um
ri Pi
ndra
i Roa
d, o
ver
Roth
iya
river
on
Khum
kal M
orch
i Bor
dehi
Ro
ad 7
5 m
+ a
ppro
ach
1000
m, o
ver T
akia
riv
er o
n H
inot
ia -
Tum
da R
oad
75 m
+
appr
oach
600
m
Rura
l Brid
ges
Conn
ectiv
ity w
ill r
educ
e di
stan
ce in
trav
el a
nd
prov
ide
bette
r co
nnec
tivity
to m
arke
ts
and
othe
r fa
cilit
ies,
th
ereb
y im
prov
ing
econ
omic
and
soc
ial
qual
ity o
f life
.
250
916.
87
2 ye
ars
3 H
igh
leve
l brid
ge o
n Ga
mbh
ir riv
er a
t D
ham
nod
on S
anw
er, C
hand
raw
atig
anj,
Gaut
ampu
ra m
arg,
Ind
ore
Brid
ge
Arou
nd 2
0vill
ages
will
be
bene
fitte
d 30
0 60
0 18
4 Br
idge
on
Baga
di ri
ver
in S
emda
Ran
was
a ro
ad, I
ndor
e Br
idge
Ar
ound
10
villa
ges
will
be
bene
fitte
d 10
0 20
0 12
5 Ru
ral B
ridge
(340
M)
on N
arm
ada
river
, Ja
bapu
r Ja
balp
ur-M
ange
li Ro
ad
Road
con
nect
ivity
to
abou
t 15
villa
ges
340
1943
2
year
s
6 Ru
ral b
ridge
(15
0 M
) on
Mah
anad
i riv
er,
Jaba
lpur
M
akhr
ar-K
hirv
a in
Ku
ndam
Ro
ad c
onne
ctiv
ity to
ab
out 1
0 vi
llage
s 15
0 39
0 2
year
s
7 Co
nstr
uctio
n of
brid
ge a
cros
s An
as ri
ver i
n Jh
abua
dist
rict
Rura
l Con
nect
ivity
Ensu
re s
afe
pass
age
to
wom
en, c
hild
ren,
disa
bled
an
d ol
d ag
ed p
erso
ns in
ru
ral a
reas
esp
ecia
lly
durin
g m
onso
on w
hen
the
stre
ams
star
t sw
ellin
g.
150
350
12 m
onth
s
125
8 Con
stru
ctio
n of
brid
ge o
ver
big
stre
m in
Ki
lana
vill
agae
of
Alira
jpur
dis
tric
t Rur
al C
onne
ctiv
ity
Ensu
re s
afe
pass
age
to
wom
en, ch
ildre
n, d
isab
led
and
old
aged
per
sons
in
rura
l are
as e
spec
ially
du
ring
mon
soon
whe
n th
e st
ream
s st
art
swel
ling.
40
40
12 m
onth
s
9 Aur
i Kha
mbi
Roa
d, D
abra
ghat
, D
indo
ri
Brid
ge
Con
nect
ivity
will
red
uce
dist
ance
in t
rave
l and
pr
ovid
e be
tter
co
nnec
tivity
to
mar
kets
an
d ot
her
faci
litie
s
195
421.
25
10
Bach
harg
aon
gada
sara
i Roa
d Cha
rkar
Riv
er,
Din
dori
Brid
ge
Con
nect
ivity
will
red
uce
dist
ance
in t
rave
l and
pr
ovid
e be
tter
co
nnec
tivity
to
mar
kets
an
d ot
her
faci
litie
s
130
420
11
Ram
ghat
-Lax
man
Man
dva
- N
arm
ada
river
, D
indo
ri Br
idge
Con
nect
ivity
will
red
uce
dist
ance
in t
rave
l and
pr
ovid
e be
tter
co
nnec
tivity
to
mar
kets
an
d ot
her
faci
litie
s
215
260
12
Ghu
ghri-
Sailw
ara
Road
on
Budh
ner
Riv
er,
Man
dla
Brid
ge
Con
nect
ivity
will
red
uce
dist
ance
in t
rave
l and
pr
ovid
e be
tter
co
nnec
tivity
to
mar
kets
an
d ot
her
faci
litie
s
300
1100
13
Rai
gaon
-Mum
u-Ram
naga
r Ro
ad B
udhn
er
Riv
er, M
andl
a
Brid
ge
Con
nect
ivity
will
red
uce
dist
ance
in t
rave
l and
pr
ovid
e be
tter
co
nnec
tivity
to
mar
kets
an
d ot
her
faci
litie
s
85
350
14
Dev
gaon
-Kas
auta
Roa
d Sa
ngam
ghat
-
Budh
ner
Riv
er, M
andl
a
Brid
ge
Con
nect
ivity
will
red
uce
dist
ance
in t
rave
l and
pr
ovid
e be
tter
co
nnec
tivity
to
mar
kets
an
d ot
her
faci
litie
s
290
1060
126
15
Thar
ka-T
ikar
wad
a-H
irenn
agar
Roa
d on
Ban
jar
Riv
er, M
andl
a
Brid
ge
Conn
ectiv
ity w
ill r
educ
e di
stan
ce in
tra
vel a
nd
prov
ide
bett
er
conn
ectiv
ity t
o m
arke
ts
and
othe
r fa
cilit
ies
215
852
16
Back
cher
rado
na-C
hand
war
a-G
arhi
Roa
d on
N
arm
ada
Riv
er, M
andl
a
Brid
ge
Conn
ectiv
ity w
ill r
educ
e di
stan
ce in
tra
vel a
nd
prov
ide
bett
er
conn
ectiv
ity t
o m
arke
ts
and
othe
r fa
cilit
ies
213
850
17
Rai
gaon
-Kha
pa-R
amna
gar
Roa
d Bu
dhne
r R
iver
, M
andl
a
Brid
ge
Conn
ectiv
ity w
ill r
educ
e di
stan
ce in
tra
vel a
nd
prov
ide
bett
er
conn
ectiv
ity t
o m
arke
ts
and
othe
r fa
cilit
ies
88
360
18
Chim
kato
la-O
dhar
i-Dev
gaon
Roa
d on
N
arm
ada
Riv
er, M
andl
a
Brid
ge
Conn
ectiv
ity w
ill r
educ
e di
stan
ce in
tra
vel a
nd
prov
ide
bett
er
conn
ectiv
ity t
o m
arke
ts
and
othe
r fa
cilit
ies
252
925
3.67
0634
9206
3492
19
Har
icha
-Sam
oli R
oad
Asan
Riv
er B
ridge
, M
oren
a D
istt
. Br
idge
30 v
illag
es w
ill b
e co
nnec
ted
to m
ains
trea
m,
Conn
ectiv
ity w
ill in
crea
se
trad
e ,t
rans
port
, b
ette
r he
alth
fac
ility
and
giv
e be
tter
rem
uner
atio
n to
fa
rmer
s fo
r th
eir
agril
pr
oduc
e.
60
219
15 m
onth
s
127
20
Seon
i - 2
Bridg
es -
H.L
. Br
idge
ove
r W
aing
anga
riv
er in
K.M
. 2/
4 on
Dig
hori
Kata
lbod
i Roa
d, H
.L. Br
idge
ove
r W
ain
gang
a rive
r in
K.M
. 11
/2 o
n, S
eoni
Am
aNal
la
Don
daw
ani B
hurk
undi
Roa
d.,
Rur
al B
ridg
e
Con
nect
ivity
will
red
uce
dist
ance
in t
rave
l and
pr
ovid
e be
tter
co
nnec
tivity
to
mar
ket
and
othe
r fa
cilit
ies,
th
ereb
y im
prov
ing
econ
omic
and
soc
ial
qual
ity o
f lif
e fo
r 61
vi
llage
s in
Seo
ni B
lock
.20
villa
ges
in K
eola
ri &
D
hano
ra B
lock
& C
over
ing
a po
pula
tion
of @
119
73.
(Pop
ulat
ion
as p
er C
ensu
s 19
91)
125
365.
67
2-3
Year
21
UJJ
AIN
- 2
Brid
ges
- Br
idge
on
Cha
mla
Riv
er
& B
han
baro
diya
Nal
a,
Brid
ge
Brid
ge w
ill p
rovi
de a
ll w
eath
er c
oone
ctiv
ity fro
m
St P
aul s
choo
l to
Tara
n &
Kh
arso
d Kh
urd
and
Khar
sod
Kala
n be
nefe
ting
the
resi
dent
s of
Ujja
in.
230
792
18 -
24 M
onth
s
S
UB
TO
TA
L (I
II)
(b)
44
04
M
14
90
9.6
8
S
UB
TO
TA
L (I
II)
– [
III
(a)
+ I
II (
b)]
8
67
03
.72
T
OT
AL
B [
I+
II+
III]
1
46
11
2.7
2
128
C.
PR
OJE
CTS
HA
VIN
G L
INK
AG
ES
WIT
H F
AR
ME
RS
’ LIV
ELIH
OO
D/S
OC
IAL
SEC
TOR
PR
OJE
CTS
Sr.
N
o.
Pro
ject
na
me
and
loca
tio
n
Nat
ure
of
pro
ject
(l
ike
Hea
lth
, Ed
uct
ion
, So
cial
S
ecto
r, e
tc.)
Exp
ecte
d b
enef
it (
Sav
ing
of
Farm
ers'
inco
me,
H
um
an c
apit
al f
orm
atio
n, e
tc.)
P
hys
ical
O
utl
ay
(Un
its)
Tota
l Fi
nan
cial
O
utl
ay (
`
in
Lak
h)
Tim
e re
qu
ired
to
com
ple
te
(mo
nth
s)
Rem
arks
(
con
stra
ints
if a
ny
)
1
2
3
4
5
6
7
8
2
Artif
icia
l in
sem
inat
ion
(AI)
cen
tre
at
Anup
pur
Anim
al
H
usba
ndry
sec
tor
Bett
er
H
ealth
and
yie
ld o
f an
imal
s in
the
dis
tric
t 18
11
8.80
24
mon
ths
Such
cent
re a
re
oper
atin
g th
roug
h ot
her
depa
rtm
ent
build
ings
3
Vete
rinar
y D
ispe
nsar
y in
Anu
ppur
An
imal
Hus
band
ry s
ecto
r Be
tter
Hea
lth a
nd y
ield
of
anim
als
in t
he d
istr
ict
7 60
.20
24
M
onth
s Su
ch
ce
ntre
are
op
erat
ing
thro
ugh
othe
r de
part
men
t bu
ildin
gs
4
Cons
tn.
of A
ngan
wad
i bu
ildin
gs a
t Ba
lagh
at
Educ
atio
n An
ganw
adi
child
ren
will
ge
t go
od
and
clea
n in
fras
truc
ture
whi
ch w
ill h
elp
in
im
prov
emen
t in
hea
lth
of c
hild
ren
800
4000
.00
6-8
Mon
ths
per
Build
ing
5
Nut
ritio
n
Su
rvei
llanc
e Pr
ojec
t (
Birs
a an
d Ka
tang
i Bl
ocks
) at
Ba
lagh
at
Hea
lth
To
prov
ide
bett
er
nutr
ition
to
ch
ild
for
he
alth
de
velo
pmen
t 2
10.0
0 1
year
6
Trai
ning
cum
res
ourc
e ce
ntre
(
with
Lo
dgin
g an
d Bo
ardi
ng)
for
capa
city
bui
ldin
g of
Ang
anw
adi
Wor
kers
at
Bala
ghat
Ed
ucat
ion
To
p
rovi
de t
rain
ing
to a
ngan
wad
i w
orke
rs f
or c
apac
ity
build
ing
1 10
0.00
2
year
s
7
Sub
Hea
lth c
entr
e a
t Ba
lagh
at
Hea
lth
To
pr
ovid
e be
tter
hea
lth fac
ilitie
s
5 60
.00
12
M
onth
s
8
BETU
L -
4
Com
mun
ity
Hea
lth
Cent
res
at
Sehr
a,
Athn
er,
Rani
pur,
Gho
dado
ngri
Hea
lth
To
pr
ovid
e be
tter
hea
lth fac
ilitie
s
4 39
4.37
18
mon
ths
each
9
Rajy
a Sh
iksh
a Ke
ndra
, Bet
ul
Educ
atio
n --
5 38
1.57
18
mon
ths
10 M
P W
ater
Str
uctu
re R
estr
uctu
ring
Proj
ect
(Und
er
im
plem
enta
tion
in
Bhin
d &
Mor
ena
Dis
tts.
)
Stre
ngth
enin
g
th
e ex
istin
g irr
igat
ion
faci
lity
Assu
red
Irrig
atio
n of
75
000
hect
ares
, In
crea
se i
n ag
ricul
ture
pro
duct
ion,
Ava
ilabi
lity
of d
rinki
ng w
ater
Re-
stru
ctur
ing
of c
anal
sy
stem
of
75
.00
Km.
long
2790
0.00
36
Mon
ths
1
11 Fr
uit
Man
di,
Pand
hurn
a,
CHH
IND
WA
RA
Mar
ket
Yard
+
cold
sto
rage
fac
ilitie
s Pr
ovid
ing
faci
litie
s fo
r st
orag
e an
d be
tter
pr
ice
real
izat
ion
1
+
st
orag
e of
10
000
MT
1500
.00
3
ye
ars
-
12 H
ortic
ultu
re
Tr
aini
ng
Inst
itute
, Ch
hind
war
a Ca
paci
ty
b
uild
ing
+
tran
sfer
of
te
chno
logy
H
uman
capi
tal f
orm
atio
n 1
1000
.00
3
ye
ars
13 Ca
ttle
m
arke
t,
Imlik
heda
, Ch
hind
war
a bl
ock
Mar
ket
yard
+
vete
rinar
y fa
cilit
ies
Bree
d
im
prov
emen
t an
d in
crea
se i
n fa
rmer
s in
com
e th
roug
h av
aila
bilit
y of
fac
ility
for
pur
chas
e an
d sa
le o
f be
tter
qua
lity
catt
le
1 10
00.0
0 3
year
s -
129
14 D
airy
Sc
hool
s in
03
Bl
ock
Hea
d Q
uart
ers
of D
atia
Dis
tric
t Vo
catio
nal
Educ
atio
n H
uman
Cap
ital
Form
atio
n, p
rom
otio
n of
mod
ern
dair
y fa
rmin
g in
the
dis
tric
t 3
Nos
. 15
0.00
24
mon
th
15 S
oil T
estin
g La
bs for
fam
ers
of D
aia
Mob
ile
Soil
Test
ing
To
kn
ow t
he s
oil h
ealth
and
rem
edia
l mea
sure
s 03
Nos
. 75
.00
12
m
onth
16 At
va
rious
sui
tabl
e pl
aces
on
Gov
t w
aste
land
of
Dew
as
Irrig
atio
n st
ruct
ure
to
arre
st
rain
wat
er
for
rabi
cro
ps
Incr
ease
in R
abi
a
crea
ge a
nd p
rodu
ctiv
ity o
f Ra
bi c
rops
Seve
ral p
onds
of
Hal
f
an
ac
re s
ize
( sa
y, 10
0 po
nds)
200.
00
6
Sim
ilar
to a
n
in
divi
dual
far
mer
's far
m
pond
s as
cov
ered
und
er
Balra
m T
alab
yoj
ana
and
Bhag
irath
Kris
hak
yoja
na im
plem
ente
d in
th
e di
stric
t
17 A
t th
e 6
bloc
ks o
f D
ewas
Ag
ricul
tura
l
M
echa
nisa
tion
Cent
res
Inte
nsiv
e Fa
rm
M
echa
nisa
tion,
Inc
reas
e in
pro
duct
ion
and
prod
uctiv
ity,
Redu
ctio
n
in
drud
gery
and
labo
ur c
ost
Agric
ultu
ral
impl
emen
ts ,
rang
ing
from
an
ave
rage
un
it co
st o
f Rs
200
00 t
o Rs
20
lakh
, an
d ot
her
infr
astr
uctu
re
900.
00
12
Plea
se r
efer
Pt
1.4.
3
(
Chap
. O
n FM
) of
the
PL
P D
ewas
. Exp
ansi
on
of t
he S
tate
Cus
tom
H
iring
Cen
tres
, Se
rvic
es
like
hirn
g, r
epai
rs,
mar
ketin
g ,
dem
onst
ratio
n
18 A
t th
e 6
bloc
ks o
f D
ewas
Fr
uit
Ripe
ning
uni
ts
Org
anic
/ no
n
ha
zard
ous
met
hods
, Im
petu
s to
H
ortic
ultu
re
6
un
its
600.
00
12
Frui
t rip
enin
g an
d
ot
her
allie
d st
ruct
ures
fo
r ho
rtic
ultu
ral i
nflo
w
and
outf
low
19 Bl
ock
Bag
li an
d Bl
ock
Tonk
khur
d of
D
ewas
H
ortic
ultu
ral
de
mon
stra
tion
farm
s an
d nu
rser
ies
Filli
p to
hort
icul
ture
esp
for
Citr
us fru
its
2
Uni
ts
100.
00
12
For
a
dopt
ion
of
Impr
oved
pla
nt s
peci
es
and
met
hods
20 A
t th
e 6
bloc
ks o
f D
ewas
Fr
uit
and
Vege
tabl
e M
andi
es
Dire
ct
i
nter
face
bet
wee
n pr
oduc
ers
and
cons
umer
s,
pote
ntia
l for
pro
cess
ing
units
6
units
30
0.00
12
Es
p
for
fru
its/
veg
Gua
va ,
Amla
, pea
, ga
rlic,
dha
nia,
tom
ato,
chill
ies
21 Ba
gli,U
dayn
agar,
Kann
od,
Sonk
atch
ha o
f D
ewas
Re
info
rcem
ent
of
proc
urem
ent
cent
res
Bett
er
c
omm
odity
mar
ketin
g 4
m
andi
es
200.
00
6 Pr
ovis
ion
of p
rope
r w
eigh
ing
tool
s et
c
22 B
agli
and
Kann
od o
f D
ewas
Sc
hool
s
w
ith a
gri-
farm
s fo
r 10
+2
leve
l w
ith
agric
ultu
re
spec
ialis
atio
n
Dis
sem
inat
ion
of a
gric
ultu
ral
know
ledg
e to
chi
ldre
n of
fa
rmer
s,
Agric
ultu
ral
exte
nsio
n at
the
bud
ding
sta
ge
for
scie
ntif
ic a
gric
ultu
re
2
sch
ools
w
ith far
ms
100.
00
6
May
be
cons
true
d as
an
ext
ensi
on o
f th
e pr
esen
t RI
DF
activ
ity o
f th
e
pr
imar
y sc
hool
bu
ildin
gs
23 A
t th
e 6
bloc
ks o
f D
ewas
Seed
pro
duct
ion
plan
ts w
ith s
tora
ge,
grad
ing,
pa
ckin
g an
d di
strib
utio
n
fa
cilit
ies
Adeq
uate
and
timel
y su
pply
of
qual
ity s
eeds
6
s
eed
units
60
0.00
12
Pr
esen
tly
be
ing
cons
ider
ed b
y th
e St
ate
Gov
t- B
eej N
igam
24 A
t th
e 6
bloc
ks o
f D
ewas
IC
T
serv
ice
Faci
litat
ing
mai
nten
ance
of
land
rec
ords
/ tr
ansa
ctio
ns,
6
ce
ntre
s 30
0.00
12
Re
info
rcem
ent
o
f th
e
130
cent
res
com
mod
ity p
rocu
rem
ent
and
mar
ketin
g, a
gric
ultu
ral
coun
selli
ng
usin
g IC
T (
Co
mpu
ters
/ in
tern
et/
mob
ile)
inst
alla
tions
rai
sed
by
the
Dis
tric
t Ad
min
istr
atio
n
25 A
t 12
pla
ces
( 2
per
bloc
k) o
f D
ewas
Scie
ntif
ic
m
oder
n w
areh
ouse
s as
en
visa
ged
in
the
WD
RA g
uide
lines
Sc
ient
ific
w
areh
ousi
ng p
ract
ices
as
prom
oted
by
WD
RA
12
6000
.00
24
Pl
ref
er t
he t
echn
ical
sc
rutin
y pa
ram
eter
s of
W
DRA
26 D
airy
Sch
ools
in
04 B
lock
Hea
d Q
uart
ers
of G
wal
ior
Dis
tric
t Vo
catio
nal
Educ
atio
n H
uman
Cap
ital
Form
atio
n, p
rom
otio
n of
mod
ern
dair
y fa
rmin
g in
the
dis
tric
t 4
Nos
. 20
0.00
24
mon
th
27 So
il
Te
stin
g La
bs f
or f
amer
s in
G
wal
ior
Mob
ile
Soil
Test
ing
To
kn
ow t
he s
oil h
ealth
and
rem
edia
l mea
sure
s 04
Nos
. 10
0.00
12
mon
th
28 D
esili
ting,
w
iden
ing
and
reno
vatio
n of
Nav
khod
ra t
ank
Shiv
N
agar
, Ind
ore
Drin
king
wat
er
and
Irrig
atio
n W
ill
be
nefi
t ar
ound
500
0 vi
llage
rs o
f th
e ar
ea
Tank
app
50
0” x
100
0’
40.0
0 6
29 Pu
blic
Hea
lth C
entr
e in
Kun
dam
an
d M
ajho
li bl
ocks
, Jab
alpu
r H
ealth
In
vest
men
t
for
hum
an h
ealth
5
400.
00
2
ye
ars
Com
para
tivel
y
ba
ckw
ard
bloc
ks o
f di
stric
t
30 W
areh
ousi
ng
Infr
astr
uctu
re
in
Kund
am &
Maj
holi,
Jab
alpu
r St
orag
e
god
owns
To
i
ncre
ase
stor
age
capa
city
10
(@10
00
mt)
300.
00
2-3
year
s Ba
ckw
ard
bloc
ks,
stor
age
faci
litie
s ne
glig
ible
.
31 So
il Te
stin
g La
bs
for
fam
ers,
Ja
balp
ur
Mob
ile
Soil
Test
ing
To
kn
ow t
he s
oil h
ealth
and
rem
edia
l mea
sure
s 2
50.0
0 Pr
iority
basi
s Fo
r
ent
ire d
istr
ict
32 W
ater
shed
pr
ojec
ts
in
Bar
gi
area
, Ja
balp
ur
Wat
ersh
ed
Enha
ncin
g
rec
harg
e of
gro
und
wat
er
42
pr
ojec
ts
3087
.00
5
ye
ars
Dis
tric
t
un
der
IWM
P be
ing
impl
emen
ted
by
Jila
Pan
chay
at
33 Co
nstr
uctio
n
of
Prim
ary
Hea
lth
Cent
re in
Ran
apur
. Jha
bua
Hea
lth
Bett
er
h
ealth
fac
ilitie
s 01
(3
00
sq
.Mt.)
48
.00
12
m
onth
s
34 Co
nstr
uctio
n
of
Prim
ary
Hea
lth
Cent
re in
Kat
hiw
ada
Hea
lth
Bett
er
h
ealth
fac
ilitie
s 01
(3
00
sq
.Mt.)
48
.00
12
m
onth
s -
35 KA
TNI
- 3
Scho
ol b
uidi
ngs
at K
uthl
a,
Khita
uli,
Khal
war
a Ed
ucat
ion
1000
stu
dent
s 3
158.
00
12 m
onth
s ea
ch
36 CH
C
U
mar
iapa
n –
Dhi
mar
khed
a bl
ock,
Kat
ni
Hea
lth
10
be
ded
1 15
.00
12
m
onth
s
37 KA
TNI
- 5
NRC
at
Dhi
mar
khed
a(2)
an
d Ba
dwar
a Bl
ocks
H
ealth
M
CH
Le
vel- 1
1
57.0
0
12
m
onth
s
38 M
ahes
hwar
to
Saha
stra
dhar
a,
Khar
gone
Ro
ad
Easy
acc
ess
to M
arke
t /
Man
di
5.6
225.
00
7
39 M
P W
ater
Str
uctu
re R
estr
uctu
ring
Proj
ect,
Bhi
nd
Stre
ngth
enin
g
th
e ex
istin
g irr
igat
ion
faci
lity
Assu
red
Irrig
atio
n of
1.
25 l
akh
hect
ares
, In
crea
se i
n ag
ricul
ture
p
rodu
ctio
n, A
vaila
bilit
y of
drin
king
wat
er
Re-
stru
ctur
ing
of c
anal
sy
stem
of
1390
0.00
36
mon
ths
-
131
250
Km. l
ong
40 M
P W
ater
St
ruct
ure
Rest
ruct
urin
g Pr
ojec
t, M
oren
a St
reng
then
ing
the
exis
ting
irrig
atio
n fa
cilit
y As
sure
d
Ir
rigat
ion
of
1.25
lak
h he
ctar
es,
Incr
ease
in
agric
ultu
re
pr
oduc
tion,
Ava
ilabi
lity
of d
rinki
ng w
ater
Re-
stru
ctur
ing
of c
anal
sy
stem
of
25
0 Km
. lon
g
1390
0.00
36
mon
ths
41 St
reng
then
ing
of p
re s
choo
ling
educ
atio
n at
W
aras
eoni
Bl
ock
at
Bala
ghat
Ed
ucat
ion
To
pr
ovid
e be
tter
ed
ucat
ion
to p
oor
chi
lder
en
1 11
2.00
1
year
42 N
ARSI
NG
HPU
R -
7 Ro
ads
- G
arga
ta
Nay
akhe
da
emliy
a m
arg,
N
arsi
nghp
ur
Dev
akch
har
Mar
g,U
mar
iya
Bram
mor
i G
hat
Mar
g ,'I
ndra
na
gar
Pahu
ch
Mar
g,
Sam
napu
r to
M
ahgu
va
Mar
g,R
ani
Pind
arai
to
Sa
gann
i M
arg
, 'G
oteg
oan
bypa
ss
road
-
tota
l le
ngth
of
road
s 34
.62
Km
s
Road
A24
24
Rem
ote
area
(17
)vill
age
to b
e jo
int
with
Nar
sing
hpur
an
d ea
sy a
cces
s to
Hos
pita
l sc
hool
, co
llege
s an
d m
arke
t 29
23.2
9 29
23.2
9 1
Year
eac
h
-Do-
43 P
oultr
y
far
m d
evel
opm
ent
satn
a Po
ultr
y
far
m
Prov
idin
g
li
velih
ood
to F
arm
ers
1 50
.00
24
m
onth
s N
abar
dass
ista
nce
is
ne
eded
on
prio
rity
basi
s 4
4 Ku
ndlib
ey
Proj
ect
in
villa
gae
Kund
libey
and
Cha
ndpu
ra r
ajga
rh
Wat
er
R
esou
rces
In
ceas
ed
in
Farm
ers
Inco
me
155
Ha.
Ar
ea I
rrig
ated
22
1.34
Co
mpl
eted
--
45 Ra
jgar
hg -
2 R
oads
'NH
12
to J
hadl
a (N
arsi
nghg
arh)
,Bia
ora
to P
adon
ia
Road
Ye
s
in
all
resp
ect
to r
each
the
NH
-12
396
396.
00
06
m
onth
s --
46 26
Sub
Hea
lthe
cent
res
at v
ario
us
plac
es o
f Rat
lam
H
ealth
31
2.00
9
m
onth
s
47 At
var
ious
sui
tabl
e pl
aces
on
Gov
t w
aste
la
nd
esp
in
Seho
re,
Asht
a
an
d Ic
hhaw
ar
Irrig
atio
n st
ruct
ure
to
arre
st
rain
wat
er
for
rabi
cr
ops
Incr
ease
in R
abi a
crea
ge a
nd
p
rodu
ctiv
ity o
f Ra
bi c
rops
Seve
ral p
onds
of
Hal
f an
ac
re s
ize
(
sa
y, 50
po
nds)
100.
00
6
Sim
ilar
to a
n in
divi
dual
fa
rmer
's
far
m p
onds
as
cov
ered
und
er
Balra
m T
alab
yoj
ana
im
plem
ente
d in
the
di
stric
t
48 A
t th
e 5
bloc
ks,
Seho
re
Agric
ultu
ral
Mec
hani
satio
n Ce
ntre
s In
tens
ive
Farm
Mec
hani
satio
n,
I
ncre
ase
in p
rodu
ctio
n an
d pr
oduc
tivity
, Re
duct
ion
in d
rudg
ery
and
l
abou
r co
st
Agric
ultu
ral
impl
emen
ts ,
rang
ing
from
an
aver
age
unit
cost
of
Rs
2000
0 to
Rs
20 la
kh,
and
othe
r
in
fras
truc
ture
750.
00
12
49 A
t th
e 5
bloc
ks,
Seho
re
Frui
t Ri
peni
ng u
nits
O
rgan
ic/
non
haza
rdou
s m
etho
ds,
Impe
tus
to
Hor
ticul
ture
5
units
50
0.00
12
Fr
uit
ripen
ing
and
othe
r al
lied
stru
ctur
es f
or
132
hort
icul
tura
l inf
low
and
ou
tflo
w
50 Bl
ocks
As
hta,
Bu
dhni
,
Nas
rulla
ganj
, Se
hore
H
ortic
ultu
ral
dem
onst
ratio
n fa
rms
and
nurs
erie
s Fi
llip
to h
ortic
ultu
re e
sp f
or
C
itrus
fru
its
3
Uni
ts
150.
00
12
For
a
dopt
ion
of
Impr
oved
pla
nt s
peci
es
and
met
hods
51 A
t th
e 5
bloc
ks,
Seho
re
Frui
t
an
d Ve
geta
ble
Man
dies
D
irect
int
erfa
ce b
etw
een
prod
ucer
s an
d co
nsum
ers,
po
tent
ial f
or
p
roce
ssin
g un
its
5
un
its
250.
00
12
Esp
f
or fru
its/
veg
Gua
va ,
Amla
, pea
, ga
rlic,
dha
nia,
tom
ato,
chill
ies
52 A
t th
e 5
bloc
ks,
Seho
re
Rein
forc
emen
t
of
pr
ocur
emen
t ce
ntre
s Be
tter
com
mod
ity m
arke
ting
5
man
dies
25
0.00
6
Prov
isio
n
of
pro
per
wei
ghin
g to
ols
etc
53 Bu
dhni
, Ic
hhaw
ar,
Nas
rulla
ganj
, Se
hore
Scho
ols
with
agr
i-fa
rms
for
10+
2 le
vel
with
ag
ricul
ture
sp
ecia
lisat
ion
Dis
sem
inat
ion
of a
gric
ultu
ral
know
ledg
e to
chi
ldre
n of
fa
rmer
s,
Agric
ultu
ral
exte
nsio
n at
the
bud
ding
sta
ge
for
scie
ntif
ic a
gric
ultu
re
3
sch
ools
w
ith far
ms
150.
00
6
May
be
cons
true
d as
an
ext
ensi
on o
f th
e pr
esen
t RI
DF
activ
ity o
f th
e
pr
imar
y sc
hool
bu
ildin
gs
54 A
t th
e 5
bloc
ks,
Seho
re
Seed
pro
duct
ion
plan
ts w
ith
stor
age,
gr
adin
g,
pack
ing
and
dist
ribut
ion
faci
litie
s
Adeq
uate
and
timel
y su
pply
of
qual
ity s
eeds
5
s
eed
units
50
0.00
12
Pr
esen
tly
be
ing
cons
ider
ed b
y th
e St
ate
Gov
t- B
eej N
igam
55 A
t th
e 5
bloc
ks,
Seho
re
ICT
se
rvic
e ce
ntre
s Fa
cilit
atin
g
m
aint
enan
ce o
f la
nd r
ecor
ds/
tran
sact
ions
, co
mm
odity
pro
cure
men
t
an
d m
arke
ting,
agr
icul
tura
l co
unse
lling
5
ce
ntre
s us
ing
ICT (
Co
mpu
ters
/ in
tern
et/
mob
ile)
250.
00
12
Rein
forc
emen
t
of
the
inst
alla
tions
rai
sed
by
the
Dis
tric
t Ad
min
istr
atio
n
56 A
t 10
pla
ces
( 2
per
bloc
k),
Seho
re
Scie
ntif
ic
m
oder
n w
areh
ouse
s as
en
visa
ged
in
the
WD
RA g
uide
lines
Sc
ient
ific
w
areh
ousi
ng p
ract
ices
as
prom
oted
by
WD
RA
10
5000
.00
24
Pl
ref
er t
he t
echn
ical
sc
rutin
y pa
ram
eter
s of
W
DRA
57 A
t 3
bloc
ks,
Seho
re
Dee
peni
ng
a
nd
repa
irs o
f ca
nals
Irrig
atio
n
for
dis
tant
pla
ces
Acro
ss
the
ca
nals
100.
00
6
58 H
ortic
ultu
re
Tr
aini
ng I
nstit
ute,
Se
oni
Capa
city
bui
ldin
g +
tr
ansf
er
of
tech
nolo
gy
Hum
an
ca
pita
l for
mat
ion
1 10
00.0
0 3
year
s
59 C
attle
mar
ket,
Chu
i, Se
oni B
lock
M
arke
t
yard
+
ve
terin
ary
faci
litie
s Br
eed
impr
ovem
ent
and
incr
ease
in
farm
ers
inco
me
thro
ugh
avai
labi
lity
of
f
acili
ty f
or p
urch
ase
and
sale
of
bett
er q
ualit
y ca
ttle
1
1000
.00
3
ye
ars
60 Ca
ttle
m
arke
t,
Dhu
ma,
La
khna
don
bloc
k, S
eoni
1
1000
.00
3
ye
ars
61 SH
AH
DO
l -
29
- Ar
tific
ial
Inse
min
atio
n (A
I)
cent
res
&
Vet
Villa
ge
leve
l Ce
ntre
s at
va
rious
pl
aces
Anim
al
H
usba
ndry
sec
tor
Bett
er
H
ealth
and
yie
ld o
f an
imal
s in
the
dis
tric
t 1
207.
40
24 m
onth
s ea
ch
The
cent
re is
op
erat
ing
thro
ugh
othe
r de
part
men
t bu
ildin
g.
133
62 M
adhy
a Pr
ades
h W
ater
Re
stru
ctur
ing
Proj
ect,
SHAJ
APUR
Ir
rigat
ion
Defin
itely
the
afte
r th
e co
mpl
etio
n of
pro
ject
ther
e w
ill
be in
crea
se in
prod
uctio
n/pr
oduc
tivity
/as
wel
l as
in th
e in
crea
se o
f far
mer
s
inco
me
Rest
ruct
urin
g
ca
nal P
roje
ct
200.
00
1 Ye
ars
--
63 Ba
rod
Susn
er
Road
(2
5.40
Km),
SH
AJAP
UR
Road
Cons
truct
ions
Ye
s,
a
ter
the
com
plet
ion
of t
he p
roje
ct a
ppro
xim
atel
y 35
500
villa
gers
b
enef
itted
Re
pairi
ng
w
ith n
ew o
ne
229.
13
4 m
onth
s --
64 Co
nstn
.of
Anga
nwad
i bui
ldin
gs in
all
08 B
lock
s of
Shi
vpur
i Ed
ucat
ion
Anga
nwad
i
ch
ildre
n w
ill
get
good
an
d cl
ean
infra
stru
ctur
e w
hich
will
hel
p in
impr
ovem
ent i
n he
alth
of
chi
ldre
n 65
4 52
00.0
0 6-
8 M
onth
s pe
r Bu
ildin
g
65 Co
mm
unity
Ro
om
in a
ll B
lock
s of
Sh
ivpu
ri He
alth
and
oth
ers
Com
mun
ity
he
alth
and
oth
er c
omm
on u
ses
9 90
.00
1yea
r
66 VI
DISH
A -
20 A
nim
al h
ealth
Cen
tres
and
AI c
entr
es
38
3.00
8-
10 m
onth
s
TO
TAL
(C)
9990
2.10
G
RAN
D T
OTA
L (A
+B+
C)
` 29
8091
.83
` 29
8091
.83
lakh
134
AN
NEX
UR
E IV
CR
ITIC
AL
INT
ERV
ENTI
ON
S R
EQU
IRED
IN
VA
RIO
US
SEC
TOR
S
N
AM
E O
F TH
E S
ECTO
R
CR
ITIC
AL
INTE
RV
ENTI
ON
S R
EQU
IRED
N
AM
E O
F TH
E D
ISTR
ICTS
CR
OP
P
RO
DU
CTI
ON
, M
AIN
TEN
AN
CE
AN
D
MA
RTK
ETTI
NG
Exte
nsio
n S
ervi
ces:
Th
ere
is a
nee
d fo
r st
reng
then
ing
the
exte
nsio
n se
rvic
es o
f ag
ricul
ture
de
part
men
t. D
epar
tmen
t m
ay b
e m
oder
nize
d w
ith m
oder
n eq
uipm
ents
to
prov
ide
guid
ance
on
a r
egul
ar b
asis
, re
gard
ing
soil
fert
ility
, cr
oppi
ng p
atte
rn,
mar
ket
pric
e, l
ates
t te
chno
logy
et
c.,.
Invo
lvem
ent
of P
ACS
in e
xten
sion
ser
vice
s
Bala
ghat
, Be
tul,
Chha
tarp
ur,
Chhi
ndw
ara,
Dam
oh,
Gw
alio
r, Ja
balp
ur,
Alira
jpur
, Ka
tni,
Khar
gone
, M
ands
aur,
Nar
sing
hpur
, N
eem
uch,
Rat
lam
, Sa
gar,
Seo
ni,
Shaj
apur
, Sh
eopu
r, Sh
ivpu
ri,
Tika
mga
rh
See
ds:
Avai
labi
lity
of a
dequ
ate
qual
ity s
eeds
to
be e
nsur
ed in
the
dis
tric
t. D
epar
tmen
t sh
ould
en
sure
dis
trib
utio
n of
qua
lity
seed
s as
farm
ers
ofte
n co
mpl
ain
abou
t the
poo
r qu
ality
of s
eeds
.
Bala
ghat
, Be
tul,
Chha
tarp
ur,
Jaba
lpur
, Jh
abua
, Al
irajp
ur,
Katn
i, Kh
argo
ne,
Man
dsau
r, N
arsi
nghp
ur,
Rajg
arh,
Ra
tlam
, Sh
ajap
ur,
Sheo
pur,
Shiv
puri,
Tik
amga
rh
Imp
rovi
ng
qu
alit
y of
soi
l:
Sett
ing
up o
f So
il Te
stin
g La
b in
all
the
bloc
ks s
o th
at f
arm
ers
can
take
the
bene
fit.
Bala
ghat
, Ch
hata
rpur
, Ch
hind
war
a, B
hind
, D
amoh
, G
wal
ior,
Jaba
lpur
, Ka
tni,
Khan
dwa,
Kh
argo
ne,
Man
dla,
D
indo
ri,
Man
dsau
r, N
arsi
nghp
ur,
Nee
muc
h,
Rajg
arh,
Sa
gar,
Seon
i, Sh
ajap
ur,
Sheo
pur,
Shiv
puri,
Tik
amga
rh
Prov
ide
smal
l/mar
gina
l far
mer
s to
acc
ess
farm
impl
emen
ts o
n hi
re b
asis
fro
m g
rass
-roo
t le
vel
inst
itutio
ns.
Ba
lagh
at,
Katn
i, Kh
argo
ne,
Shaj
apur
, Sh
eopu
r, Sh
ivpu
ri,
Tika
mga
rh
Effo
rts
to b
e m
ade
to c
over
all
elig
ible
far
mer
s u
nder
KCC
. Al
l ban
ks s
houl
d is
sue
crop
loan
th
roug
h KC
C on
ly
afte
r de
term
inin
g th
e lim
its
real
istic
ally
an
d ta
king
in
to
acco
unt
all
expe
nditu
re i
ncur
red
in c
rop
prod
uctio
n. P
rovi
sion
of
inve
stm
ent
and
cons
umpt
ion
cred
it un
der
KCC,
whe
re e
ver
appr
opria
te, b
e en
sure
d.
Bala
ghat
, Jh
abua
, Kat
ni, K
harg
one,
She
opur
, Shi
vpur
i
Last
mile
roa
d in
fras
truc
ture
req
uire
s to
be
deve
lope
d in
man
y vi
llage
s to
ena
ble
farm
ers
to
have
eas
y ac
cess
/con
nect
ivity
to
the
near
by m
arke
ts.
Rura
l Inf
rast
ruct
ure
Dev
elop
men
t Fu
nd
(RID
F) m
aint
aine
d by
NAB
ARD
cou
ld b
e ta
pped
by
Stat
e G
over
nmen
t to
brid
ge th
is g
ap.
Chhi
ndw
ara,
Kat
ni, K
hand
wa,
Sha
japu
r
A la
rge
num
ber
of m
argi
nal a
nd s
mal
l far
mer
s do
not
hav
e cl
ear
title
to
land
, w
hich
act
s as
an
impe
dim
ent
in a
vaili
ng o
f in
stitu
tiona
l cre
dit.
Ban
ks m
ay r
esor
t to
alte
rnat
ive
mod
es o
f le
ndin
g vi
z., J
oint
Lia
bilit
y G
roup
s (J
LGs)
to
reac
h to
thes
e se
gmen
ts o
f th
e fa
rmin
g po
pula
tion.
Chhi
ndw
ara,
D
amoh
, Ja
balp
ur,
Khan
dwa,
M
ands
aur,
Nee
muc
h, R
ajga
rh, S
agar
, Seo
ni, T
ikam
garh
WA
TER
RES
OU
RC
ES Lo
w-c
ost
Rain
Wat
er H
arve
stin
g St
ruct
ures
/ Po
nds
may
be
prom
oted
, w
hich
can
ser
ve t
he
wat
er r
equi
rem
ents
of
abou
t 1 a
cre
area
. Ba
lagh
at,
Betu
l, Ch
hata
rpur
, D
har,
Katn
i, Kh
argo
ne,
Seho
re,
Sheo
pur,
Shiv
puri,
Tik
amga
rh, U
jjain
Ener
gisa
tion
of I
rrig
atio
n Pu
mp
sets
Ba
lagh
at,
Chha
tarp
ur,
Bhin
d,
Chhi
ndw
ara,
D
amoh
,
Dha
r, Ka
tni,
Khan
dwa,
M
ands
aur,
M
oren
a,
Neem
uch,
Sa
gar,
Seho
re, S
eoni
, Sha
japu
r, Sh
eopu
r, Sh
ivpu
ri, T
ikam
garh
, Ujja
in
cons
truc
tion
of r
ain
wat
er h
arve
stin
g st
ruct
ures
Ba
lagh
at,
Chha
tarp
ur,
Dam
oh,
Dew
as,
D
har,
Jhab
ua,
Alira
jpur
, Ka
tni,
M
oren
a,
Nar
sing
hpur
, Se
hore
, Sh
eopu
r, Sh
ivpu
ri, T
ikam
garh
, Ujja
in
Reju
vena
tion
of e
xist
ing
MI
tank
s
Bala
ghat
, Be
tul,
Chhi
ndw
ara,
D
ewas
(D
ewas
&
So
nkat
chh
bloc
ks),
Dha
r, Ja
balp
ur,
Katn
i, Kh
andw
a,
Khar
gone
,
135
Man
dsau
r, M
oren
a, N
arsi
nghp
ur,
Nee
muc
h, S
agar
, Se
hore
, Sh
eopu
r, Sh
ivpu
ri, U
jjain
W
ater
shed
Dev
elop
men
t Pr
ojec
ts –
to
have
a lo
ng t
erm
impa
ct in
ter
ms
of in
crea
sing
the
net
/ gr
oss
crop
ped
area
and
con
sequ
ently
a in
crea
se in
the
pro
duct
ion
and
prod
uctiv
ity.
Bala
ghat
, Be
tul,
Dam
oh,
Dew
as (
Dew
as &
Son
katc
hh b
lock
s),
Jhab
ua, K
atni
, Nar
sing
hpur
, Seh
ore
, She
opur
, Shi
vpur
i, U
jjain
In
vie
w o
f de
plet
ion
of g
roun
dwat
er, t
here
is a
n im
min
ent
need
to
rech
arge
the
gro
und
wat
er,
brin
g in
pro
per
legi
slat
ion
and
usag
e of
wat
er s
avin
g de
vice
s.
Chhi
ndw
ara,
Kh
andw
a,
Khar
gone
, M
ands
aur,
Nee
muc
h,
Seon
i, Sh
ajap
ur, T
ikam
garh
So
me
mor
e da
ms
may
be
cons
truc
ted
Ratla
m
LAN
D
DEV
ELO
PM
ENT
Bank
s m
ay a
lso
take
ste
ps f
or c
apac
ity b
uild
ing
of i
ts b
ranc
h M
anag
ers
on f
inan
cing
the
w
ater
shed
pro
ject
s. B
anks
may
fin
ance
land
dev
elop
men
t ac
tiviti
es p
roje
ct o
n a
larg
e sc
ale.
Ba
lagh
at,
Jhab
ua,
Alira
jpur
, Ka
tni,
Sh
ajap
ur,
Sheo
pur,
Shiv
puri
Cond
uct
regu
lar
awar
enes
s pr
ogra
mm
es/c
apac
ity b
uild
ing
prog
ram
mes
for
far
mer
s as
wel
l as
bank
ers
on t
he n
eed
for
soil
cons
erva
tion
mea
sure
s re
quire
d to
pro
tect
the
fert
ility
of t
he s
oil.
Bala
ghat
, Ka
tni,
Khar
gone
, N
arsi
nghp
ur,
Sheo
pur,
Shiv
puri,
Ti
kam
garh
Inte
rven
tion
by w
ay o
f con
serv
atio
n an
d ar
tific
ial r
echa
rge
to g
roun
d w
ater
. Ba
lagh
at,
Katn
i, Kh
argo
ne, N
arsi
nghp
ur, S
heop
ur, S
hivp
uri
Area
-bas
ed p
rogr
amm
e fo
r la
nd d
evel
opm
ent
like
Com
man
d Ar
ea D
evel
opm
ent,
Wat
ersh
ed
Dev
elop
men
t et
c Ch
hind
war
a,
Khan
dwa,
Kh
argo
ne,
Nar
sing
hpur
, Ra
jgar
h,
Seon
i, Sh
ajap
ur, T
ikam
garh
Com
mer
cial
pro
duct
ion
of o
rgan
ic in
puts
viz
. B
iofe
rtili
zer,
Verm
i com
post
/ v
erm
i hat
cher
ies
& C
ompo
st f
rom
veg
etab
le a
nd f
ruits
, et
c.,
may
be
take
n up
by
farm
er a
ggre
gate
s lik
e PA
CS,
Prod
ucer
Soc
ietie
s et
c Ch
hind
war
a, K
hand
wa,
Raj
garh
, Seo
ni, S
haja
pur,
Tika
mga
rh
Hill
y St
one
land
s :
Requ
ire t
reat
men
t Ra
tlam
FAR
M
MEC
HA
NIS
ATI
ON
Farm
eq
uipm
ent/
m
achi
nery
su
ch
as
com
bine
ha
rves
ters
, Po
wer
W
eede
rs,
Padd
y tr
ansp
lant
ers
may
be
popu
lariz
ed b
y th
e ex
tens
ion
depa
rtm
ents
and
fina
nced
by
bank
s.
Bala
ghat
, Be
tul,
Chha
tarp
ur, D
amoh
, G
wal
ior,
Jaba
lpur
, Ka
tni,
Khan
dwa,
Kha
rgon
e, N
eem
uch,
Rat
lam
, Sh
ajap
ur,
Sheo
pur,
Shiv
puri
Bank
ers
may
com
e fo
rwar
d an
d en
cour
age
finan
cing
for
pow
er t
iller
s an
d ot
her
smal
l fa
rm
equi
pmen
ts r
equi
red
by f
arm
ers.
Ba
lagh
at,
Katn
i, Kh
argo
ne, S
heop
ur, S
hivp
uri
Bank
ers
may
org
anis
e fa
rmer
s in
to J
oint
Lia
bilit
y G
roup
s (J
LGs)
for
fin
anci
ng v
ario
us t
ypes
of
farm
im
plem
ents
, so
tha
t th
e fa
rmer
s ca
n co
llect
ivel
y se
rvic
e th
e lo
ans
with
eas
e.
Bank
ers
may
als
o co
nsid
er f
inan
cing
thr
ough
oth
er m
odel
s lik
e fa
rmer
s cl
ubs/
SHG
Fed
erat
ion
for
un
dert
akin
g su
ch v
entu
res.
Bala
ghat
, Jh
abua
, Al
irajp
ur,
Katn
i, Kh
argo
ne,
Sheo
pur,
Shiv
puri
Ther
e is
nee
d to
rev
amp
the
tena
ncy
legi
slat
ion
so t
hat
the
land
leas
e m
arke
t is
enc
oura
ged
and
the
size
of t
he t
ract
or o
pera
ted
farm
s is
incr
ease
d to
just
ify e
xist
ing
farm
mac
hine
ry.
Chhi
ndw
ara,
Kha
ndw
a, R
ajga
rh, S
eoni
, Sha
japu
r, Ti
kam
garh
Pow
er t
iller
s ar
e be
tter
sui
ted
for
med
ium
and
sm
all
hold
ings
. A
trol
ley
can
be a
ttac
hed
to
the
pow
er t
iller
for
tran
spor
ting
agric
ultu
ral p
rodu
ce.
Nar
sing
hpur
, Raj
garh
, Sa
gar,
Sha
japu
r
PLA
NTA
TIO
N &
H
OR
TIC
ULT
UR
E
Goo
d En
trep
rene
urs
may
be
mot
ivat
ed f
or c
onst
ruct
ion
of c
old
stor
age
so t
hat
bank
may
co
me
forw
ard
for
finan
ce t
o su
ch a
ctiv
ity
Bala
ghat
, Ka
tni,
Sheo
pur,
Shiv
puri
Dis
tric
t m
ay b
e co
vere
d un
der
NH
M p
rogr
amm
e Ba
lagh
at,
Katn
i, Kh
argo
ne, S
haja
pur,
Sheo
pur,
Shiv
puri
In
crea
se in
Net
wor
k of
ext
ensi
on a
nd m
arke
ting
serv
ices
. Im
part
ing
info
rmat
ion/
Know
ledg
e in
cu
ltiva
tion
of
inno
vativ
e an
d hi
gh-v
alue
cr
ops.
Ar
rang
e Se
nsiti
zatio
n an
d Aw
aren
ess
Prog
ram
mes
with
the
hel
p of
Hor
ticul
ture
Dep
t. B
anke
rs n
eed
to b
e se
nsiti
zed
for
finan
cing
ho
rtic
ultu
re c
rops
. Nee
d to
set
up
mor
e co
mm
erci
al n
urse
ries
and
supp
ly o
f qu
ality
sap
lings
.
Bala
ghat
, Ka
tni,
Sheo
pur,
Shiv
puri
136
Dem
onst
ratio
n fa
rms
may
be
set
up
Betu
l, Bh
ind,
Ch
hata
rpur
, D
amoh
, D
ewas
,
Dha
r, Ka
tni,
Khan
dwa,
Man
dla,
Din
dori,
Man
dsau
r, M
oren
a,
Nar
sing
hpur
, N
eem
uch,
Raj
garh
, Sag
ar, S
ehor
e, S
eoni
, Ujja
in
Cent
ralis
ed n
urse
ries
may
be
set
up
Betu
l, Bh
ind,
Chh
atar
pur,
Chhi
ndw
ara,
Dew
as,
Katn
i, M
andl
a,
dind
ori,
Man
dsau
r, M
oren
a,
Nar
sing
hpur
, N
eem
uch,
Raj
garh
, Se
hore
, Seo
ni, S
haja
pur,
Tika
mga
rh, U
jjain
Pr
oces
sing
te
chno
logy
an
d po
pula
rizin
g m
ulti
spec
ies/
high
de
nsity
cr
oppi
ng
syst
ems
to
incr
ease
the
prod
uctiv
ity p
er u
nit
area
. Ch
hind
war
a,
Dam
oh,
Jaba
lpur
, Ra
jgar
h,
Saga
r, Se
oni,
Shaj
apur
, Tik
amga
rh
Dry
ing
yard
s m
ay b
e co
nstr
ucte
d fo
r ch
illie
s an
d Si
ngha
da a
nd t
o im
prov
e th
e qu
ality
/val
ue
addi
tion.
Ja
balp
ur, K
harg
one,
Raj
garh
Cons
ider
ing
the
shor
t sh
elf
life
of h
ortic
ultu
re p
rodu
ce,
ther
e is
a n
eed
to d
evel
op c
old
stor
ages
at a
few
pla
ces
in th
e di
stric
t to
brie
fly p
rolo
ng s
helf-
life.
Jh
abua
, Alir
ajpu
r, M
andl
a, D
indo
ri
SER
ICU
LTU
RE
The
entir
e po
st c
ocoo
n ac
tiviti
es l
ike
reel
ing,
tw
istin
g, w
eavi
ng,
dyei
ng,
prin
ting,
etc
, ar
e m
ostly
un
der
the
tiny
and
cott
age
sect
or,
havi
ng
obso
lete
m
achi
nery
re
sulti
ng
in
low
pr
oduc
tivity
and
poo
r qu
ality
. Th
ere
is a
nee
d fo
r te
chno
logy
upg
rada
tion
in b
oth
reel
ing
and
wea
ving
sec
tors
to fa
ce t
he e
xter
nal c
ompe
titio
n.
Bala
ghat
, Kat
ni
Ther
e is
a n
eed
to i
ncre
ase
the
Rear
ing
Uni
ts i
n th
e di
stric
t to
cat
er t
o th
e de
man
d of
the
fa
rmer
s.
Bala
ghat
, Kat
ni
A co
mpe
titiv
e m
arke
ting
cent
re t
o pr
ovid
e re
mun
erat
ive
pric
es f
or c
ocoo
ns w
ithin
the
dis
tric
t m
ay e
ncou
rage
farm
ers
to ta
ke u
p th
e ac
tivity
on
a la
rge
scal
e.
Bala
ghat
, Kat
ni
Hor
t. D
eptt.
May
enc
oura
ge C
lust
er a
ppro
ach
for
Med
icin
al a
nd A
rom
atic
pla
nts
to a
ttra
ct
herb
al c
ompa
nies
to g
ive
assu
red
mar
ket
to g
row
ers.
G
hatg
aon
and
Bhita
rwar
Blo
cks.
Of G
wal
ior,
Jaba
lpu
r
FOR
ESTR
Y &
W
AST
ELA
ND
D
EVEL
OPM
ENT
Maj
or p
ortio
n of
was
te la
nd is
ow
ned
by G
ovt.
Unl
ess,
the
se la
nds
are
give
n on
a lo
ng t
erm
le
ase
(pat
ta),
fina
ncia
l ins
titut
ions
will
not
be
able
to s
uppo
rt t
he p
rogr
amm
e. T
he S
tate
Gov
t. m
ay c
ome
out
with
spe
cific
pol
icy
for
leas
ing
reve
nue
was
tela
nds
for
fore
st p
lant
atio
ns to
the
in
tere
sted
ent
repr
eneu
rs/
user
indu
strie
s th
roug
h Fo
rest
Dev
elop
men
t Cor
pora
tion
Bala
ghat
, Chh
atar
pur,
Katn
i, S
heop
ur, S
hivp
uri
Som
e of
the
NG
Os
asso
ciat
ed w
ith n
atur
al r
esou
rce
man
agem
ent
prog
ram
mes
may
be
enco
urag
ed to
take
up
vario
us a
ctiv
ities
for
the
deve
lopm
ent o
f the
sec
tor.
Bank
s sh
ould
enc
oura
ge fa
rmer
s to
und
erta
ke fa
rm fo
rest
ry a
s a
busi
ness
act
ivity
. Ba
lagh
at, A
liraj
pur,
Katn
i, S
heop
ur, S
hivp
uri
Soci
al/a
gro
fore
stry
can
be
take
n up
on
a gr
oup
mod
e (J
LG)
with
the
sup
port
/inpu
ts o
f So
cial
Fo
rest
ry D
epar
tmen
t &
dis
tric
t ad
min
istr
atio
n.
This
wou
ld a
lso
help
far
mer
s au
gmen
t th
eir
inco
me
in t
he lo
ng r
un.
Bala
ghat
, Ch
hind
war
a,
Jhab
ua,
Alira
jpur
, Ka
tni,
Khar
gone
, Ra
jgar
h, S
heop
ur, S
hivp
uri,
Tika
mga
rh
Refo
rest
atio
n of
deg
rade
d fo
rest
s /
Plan
tatio
ns, C
entr
alis
ed n
urse
ries
Man
dsau
r, M
oren
a, R
ajga
rh, S
agar
, Seh
ore
, Ujja
in
The
rule
s an
d pr
oced
ures
for
fel
ling
and
tran
spor
t of
woo
d fr
om p
rivat
e la
nds
may
be
liber
alis
ed
Rahg
arh,
Sha
japu
r, Ti
kam
garh
137
AN
IMA
L H
US
BA
ND
RY
–
DA
IRY
D
EVEL
OP
MEN
T
Bank
fin
ance
for
cal
f re
arin
g to
geth
er w
ith m
ini d
airy
uni
ts is
req
uire
d to
aug
men
t av
aila
bilit
y of
qua
lity
anim
als.
A t
ripar
tite
arra
ngem
ent
betw
een
borr
ower
s, m
ilk c
oop
soci
ety
and
bank
s fo
r r
ecov
ery
of b
ank
loan
s w
ill im
prov
e gr
ound
leve
l cre
dit.
Bala
ghat
, Ch
hata
rpur
, Ka
tni,
Seon
i, Sh
ajap
ur,
Sheo
pur,
Shiv
puri,
Tik
amga
rh
Ther
e is
a n
eed
for
esta
blis
hing
a c
attle
bre
edin
g ce
ntre
in
each
Bl
ock
eith
er i
n th
e go
vern
men
t se
ctor
or
in t
he p
rivat
e se
ctor
, w
hich
wou
ld b
e ab
le t
o pr
oduc
e br
eeds
sui
tabl
e fo
r lo
cal c
ondi
tions
Bala
ghat
, Bh
ind,
Ch
hata
rpur
, ,
Dew
as
(Kha
teao
n),
Dha
r, Ka
tni,
Khar
gone
, M
andl
a, d
indo
ri, ,
She
opur
, Sh
ivpu
ri M
oren
a,
Nee
muc
h, S
ehor
e La
rge
scal
e aw
aren
ess
prog
ram
mes
fo
r fa
rmer
s ar
e re
quire
d to
be
co
nduc
ted
on
feed
m
anag
emen
t, w
hich
is o
ne o
f the
maj
or c
osts
incu
rred
by
the
farm
er
Bala
ghat
, Ka
tni,
Khar
gone
, Raj
garh
, Sh
ajap
ur,
Sheo
pur,
Shiv
puri
Esta
blis
hmen
t of
cat
tle m
arke
t fo
r su
pply
of
good
qua
lity
bree
ds i
s ve
ry e
ssen
tial,
for
the
farm
ers
to u
nder
take
the
dai
ry a
ctiv
ity e
ffect
ivel
y Ba
lagh
at
Dha
r, Ka
tni,
Man
dla,
di
ndor
i, Se
oni,
Sheo
pur,
Shiv
puri
Calf
rear
ing
requ
ires
due
atte
ntio
n an
d su
ppor
t in
the
for
m o
f su
pply
of
feed
and
vet
erin
ary
care
Ba
lagh
at, D
amoh
, G
wal
ior,
Katn
i, S
heop
ur, S
hivp
uri
Smal
l and
mar
gina
l far
mer
s ca
n be
enc
oura
ged
and
finan
ced
for
smal
l pou
ltry
activ
ities
und
er
JLG
sch
eme
prom
oted
by
NAB
ARD
and
als
o un
der
NRL
M.
The
Dep
artm
ent
need
s to
ens
ure
cont
inua
nce
of m
obile
vet
erin
ary
clin
ics
in a
ll Bl
ocks
Bala
ghat
, Ch
hind
war
a, J
habu
a, K
atni
, N
arsi
nghp
ur,
Nee
muc
h,
Seon
i, Sh
eopu
r, Sh
ivpu
ri
Due
to
non
avai
labi
lity
of g
reen
fod
der,
the
milk
yie
ld o
f the
dai
ry a
nim
als
is n
ot t
o th
e de
sire
d ex
tent
. S
teps
may
the
refo
re b
e ta
ken
to o
verc
ome
the
prob
lem
. C
hhin
dwar
a, M
ands
aur,
Nar
sing
hpur
, Seo
ni
The
Jaba
lpur
Dug
dh S
angh
sho
uld
take
ste
ps t
o ac
tivat
e th
e do
rman
t M
ilk S
ocie
tiew
s an
d br
ing
mor
e vi
llage
s on
milk
rou
tes.
J
abal
pur
As t
here
are
a v
ery
few
act
ive
milk
soc
ietie
s in
the
dis
tric
t an
d al
so a
s th
e nu
mbe
r of
milk
ro
utes
is
less
, th
e M
ilk u
nion
may
tak
e ne
cess
ary
step
s on
prio
rity
basi
s to
act
ivat
e th
e ex
istin
g on
es a
nd to
incr
ease
the
sam
e.
Khan
dwa,
Seo
ni
Sett
ing
up V
eter
inar
y H
ospi
tals
& A
I Ce
ntre
s Sa
gar,
Seho
re, Sh
ajap
ur,
Tika
mga
rh, U
jjain
PO
ULT
RY
Faci
litat
e se
ttin
g up
of
hatc
hery
uni
t fo
r su
pply
of d
ay o
ld c
hick
s .
Bala
ghat
, Ch
hind
war
a, G
wal
ior,
Katn
i, Kh
andw
a, K
harg
one,
M
andl
a,
dind
ori,
Seon
i, Sh
ajap
ur,
Sheo
pur,
Shiv
puri,
Ti
kam
garh
Ba
sic
trai
ning
may
be
prov
ided
to
the
poul
try
farm
ers
on v
acci
natio
ns,
disp
osal
of
dead
bird
s,
disi
nfec
tion
of fa
rm p
rem
ises
/ eq
uipm
ents
etc
. Ba
lagh
at,
Katn
i, Sh
eopu
r, Sh
ivpu
ri
Ther
e is
a n
eed
to s
et u
p a
dise
ase
diag
nost
ic la
bora
tory
Ba
lagh
at, D
har,
Katn
i, S
heop
ur, S
hivp
uri
To e
ncou
rage
sm
all
poul
try
units
, th
ere
is a
nee
d to
hav
e a
com
mon
mar
ketin
g an
d fe
ed
mix
ing
faci
litie
s w
hich
wou
ld p
rovi
de t
he c
ompe
titiv
e ed
ge t
o th
e sm
all
poul
try
farm
ers.
Tr
aini
ng a
nd c
apac
ity b
uild
ing
of fa
rmer
s re
quire
to
be s
tren
gthe
ned.
Ba
lagh
at,
Jhab
ua, Ka
tni,
Sheo
pur,
Shiv
puri
SHG
mem
bers
esp
ecia
lly m
atur
ed g
roup
s m
ay b
e en
cour
aged
to
tak
e up
pou
ltry
activ
ities
.
Bala
ghat
, Ka
tni,
Sheo
pur,
Shiv
puri
Th
e D
ept
may
or
gani
se
awar
enes
s pr
ogra
mm
e on
po
ultr
y ac
tivity
at
Bl
ock
leve
l fo
r un
empl
oyed
you
th,
bank
ers,
NG
Os
to p
ropo
gate
thi
s ac
tivity
.
Bala
ghat
, Ka
tni,
Sheo
pur,
Shiv
puri
Smal
l an
d m
argi
nal
farm
ers
can
be
enco
urag
ed
and
finan
ced
for
smal
l po
ultr
y ac
tiviti
es(K
adak
nath
Rea
ring)
und
er J
LG /
SCC
sche
me
prom
oted
by
NAB
ARD
and
als
o un
der
Jhab
ua, A
liraj
pur
138
NR
LM.
Sett
ing
up a
batt
oirs
Sa
gar,
Ujja
in
As a
vaila
bilit
y of
day
-old
-chi
cks
is a
pro
blem
in
the
dist
rict,
est
ablis
hmen
t of
hat
cher
y in
the
di
stric
t or
nea
rby
is t
he n
eed
of t
he h
our.
, R
ajga
rh
SG
P
Bank
s sh
ould
ad
vice
th
e br
anch
es
to
finan
ce
genu
ine
entr
epre
neur
s w
antin
g to
ta
ke
up/e
xpan
d th
e ac
tivity
of
shee
p/go
at r
earin
g.
Bala
ghat
, Ka
tni,
Khar
gone
, Sh
eopu
r, Sh
ivpu
ri, T
ikam
garh
Sele
ctio
n of
bor
row
ers
for
reco
mm
endi
ng t
o ba
nks
shou
ld b
e do
ne p
rude
ntly.
Nec
essa
ry
supp
ort
may
be
exte
nded
to
the
bank
ers
for
reco
very
. Ba
lagh
at,
Katn
i, Sh
eopu
r, Sh
ivpu
ri
Dep
artm
ent
to p
opul
aris
e th
e G
oI s
chem
e fo
r In
tegr
ated
Dev
elop
men
t of
sm
all
Rum
inan
ts –
Shee
p an
d G
oat
and
reco
mm
end
the
ben
efic
iarie
s un
der
the
sche
me
to t
he b
anks
. Ba
lagh
at,
Katn
i, Sh
eopu
r, Sh
ivpu
ri
Esta
blis
hmen
t of
a s
heep
and
goa
t de
velo
pmen
t ce
ntre
in
the
dist
rict
prov
idin
g al
l fa
cilit
ies
(bre
edin
g, h
ealth
car
e, m
arke
ting,
etc
.) u
nder
one
roo
f.
Bala
ghat
, D
ewas
, G
wal
ior,
Jaba
lpur
, Ka
tni,
Khan
dwa
, Sh
eopu
r, Sh
ivpu
ri, T
ikam
garh
Exis
ting
slau
ghte
r ho
uses
do
not
have
faci
litie
s to
pro
duce
who
leso
me
mea
t hy
gien
ical
ly, th
ere
is a
n ur
gent
nee
d fo
r m
oder
nizi
ng t
hese
sla
ught
er h
ouse
s fo
r hy
gien
ic m
eat
prod
uctio
n.
Jhab
ua, A
liraj
pur
As t
here
is
dear
th o
f go
od q
ualit
y of
ani
mal
s, t
here
is a
nee
d fo
r es
tabl
ishm
ent
of b
reed
ing
farm
s.
Rajg
arh,
Seo
ni, Sh
ajap
ur, U
jjai
n
FIS
HER
IES
D
EVEL
OP
MEN
T
The
ice-
plan
ts c
ould
be
set
up b
y F
ishe
ries
depa
rtm
ent
. C
reat
ion
of s
uch
an in
fras
truc
ture
in
mor
e nu
mbe
rs a
t d
istr
ict
leve
l wou
ld he
lp t
he fi
sher
men
in e
nsur
ing
easy
ava
ilabi
lity
of ic
e.
Bala
ghat
, Ch
hata
rpur
, D
har,
Katn
i,
Man
dsau
r, N
eem
uch
, Sh
eopu
r, Sh
ivpu
ri
Ther
e is
a n
eed
for
mar
ketin
g su
ppor
t/in
terv
entio
n.
Bala
ghat
, Ch
hata
rpur
,
Chhi
ndw
ara,
D
ewas
, D
har,
Katn
i, M
ands
aur,
M
oren
a,
Nee
muc
h,
Saga
r, Se
hore
, Sh
eopu
r, Sh
ivpu
ri, T
ikam
garh
, U
jjain
Tr
aini
ng /
sen
sitis
ing
the
fis
herm
en o
n us
e of
mod
ern
tech
nolo
gy i
n fis
herie
s w
ill h
elp
incr
ease
the
pro
duct
ivity
Ba
lagh
at,
Jhab
ua,
Alira
jpur
, Ka
tni,
N
arsi
nghp
ur,
Sheo
pur,
Shiv
puri
Bank
s m
ay,
in c
oord
inat
ion
with
the
Fis
herie
s de
part
men
t, id
entif
y su
itabl
e po
cket
s ha
ving
po
tent
ial t
o fo
rm J
oint
Lia
bilit
y G
roup
s to
fina
nce
fis
herm
en s
o as
to
ensu
re c
redi
t flo
w t
o th
e se
ctor
. Ba
lagh
at,
Chh
indw
ara,
Dha
r, Ka
tni,
Nar
sing
hpur
, Ti
kam
garh
Fish
erm
an C
ards
may
be
issu
ed
Chhi
ndw
ara,
G
wal
ior,
Jaba
lpur
Ra
jgar
h,
Seon
i, Sh
ajap
ur,
Tika
mga
rh, U
jjain
Fish
see
ds a
vaila
biliy
may
be
ensu
red
Chhi
ndw
ara,
G
wal
ior,
Jaba
lpur
, Kh
andw
a Ra
jgar
h,
Saga
r, Se
hore
, Se
oni,
Shaj
apur
, Ti
kam
garh
Sett
ing
up C
entr
alis
ed h
atch
erie
s , Se
hore
, Ujja
in
STO
RA
GE
GO
DO
WN
S A
ND
M
AR
KET
YA
RD
S
Ther
e is
a n
eed
to e
duca
te /
sen
sitis
e th
e fa
rmer
s to
und
erta
ke t
he a
ctiv
ity o
f co
nstr
uctio
n of
go
dow
ns a
s th
ere
is g
ood
dem
and
for
war
ehou
se.
Neg
otia
ble
war
ehou
se r
ecei
pt s
yste
m m
ay
be e
ncou
rage
d, a
s th
is w
ill r
educ
e di
stre
ss s
ale
imm
edia
tely
aft
er h
arve
st.
All g
odow
ns a
bove
10
00 M
T ca
paci
ty n
eed
to b
e re
gist
ered
with
War
ehou
sing
Aut
horit
y af
ter
due
accr
edita
tion.
Bala
ghat
, Jh
abua
, Al
irajp
ur,
Katn
i, M
andl
a, d
indo
ri, M
oren
a,
Seho
re, Sh
eopu
r, Sh
ivpu
ri, Ti
kam
garh
Issu
ance
of
Neg
otia
ble
War
ehou
se R
ecei
pts
and
exte
nsio
n of
fina
ncia
l ass
ista
nce
by b
anks
N
eem
uch
Rajg
arh,
Se
oni,
Shaj
apur
, Sh
eopu
r, Sh
ivpu
ri,
139
Tika
mga
rh, U
jjain
Regu
latio
n by
For
war
d M
arke
ts C
omm
issio
n Ne
emuc
h, S
eoni
, Sha
japu
r, Ti
kam
garh
, Ujja
in
Setti
ng u
p M
icro
war
ehou
ses
of 5
00 M
T ca
paci
ty
Dam
oh, S
agar
In
crea
se in
Sto
rage
Infra
stru
ctur
e M
ands
aur,
Ujja
in
REN
EWAB
LE
SOU
RCE
S O
F EN
ERG
Y AN
D
WAS
TE
MAN
AGEM
ENT
Sens
itisin
g ba
nker
s an
d th
e ru
ral p
opul
atio
n ab
out t
he a
dvan
tage
s an
d be
nefit
s of
sol
ar h
ome
light
ing
solu
tions
. Ba
lagh
at,
Jhab
ua,
Katn
i, Kh
andw
a Ra
jgar
h, S
eoni
, Sh
ajap
ur,
Sheo
pur,
Shiv
puri,
Tik
amga
rh
The
dist
ricts
are
end
owed
with
hig
h so
lar
radi
atio
n w
ith a
roun
d 30
0 da
ys o
f cle
ar s
un a
nd
Sola
r ra
diat
ion
estim
ated
at
5.0
6 kw
h/m
2/da
y (A
vg.).
This
sola
r en
ergy
pot
entia
l c
an b
e ta
pped
thro
ugh
sola
r far
ms.
Dew
as, S
haja
pur
OTH
ER A
CTIV
ITIE
S Av
aila
bilit
y of
goo
d qu
ality
ani
mal
s is
lack
ing.
Ag
ricul
ture
Dep
artm
ent/
Bank
s m
ay c
reat
e aw
aren
ess
on a
larg
e sc
ale
on v
ario
us s
chem
es li
ke
ACAB
C, N
ABAR
D's
conv
ersio
n of
PAC
S as
MAC
S, e
tc.
Bala
ghat
, Ka
tni,
Saga
r, Sh
ajap
ur,
Sheo
pur,
Shiv
puri,
Ti
kam
garh
MSM
E
? Re
gula
r an
d qu
ality
pow
er s
uppl
y to
indu
stria
l uni
ts is
req
uire
d fo
r th
e in
dust
rial u
nits
in
the
dist
rict.
? Th
ere
are
a la
rge
num
ber
of r
ice m
ills in
the
dist
rict.
The
rice
mills
req
uire
tec
hnol
ogy
upgr
adat
ion
and
DIC
has
to
plan
ned
to t
ake
up d
evel
opm
ent
of r
ice m
ills w
ith a
clu
ster
ap
proa
ch.
? De
partm
ent
of h
andl
oom
and
tex
tiles
may
tak
e up
dev
elop
men
t of
han
dloo
m c
lust
ers
to
sust
ain
the
livel
ihoo
ds o
f the
wea
vers
and
to p
rese
rve
the
tradi
tiona
l ski
ll ba
se.
? La
ck o
f ex
pert
ise a
nd t
echn
ical m
anpo
wer
in b
anks
is a
con
stra
int
for
the
mee
ting
the
cred
it re
quire
men
t of M
SME.
? po
or r
oad
cond
ition
s an
d hi
ghly
err
atic
pow
er s
uppl
y ar
e so
me
of t
he d
isadv
anta
ges
for
deve
lopm
ent o
f thi
s se
ctor
in th
e di
stric
t.
f) E
ntre
pren
eurs
are
not
aw
are
of in
cent
ives
/sub
sidie
s av
aila
ble
from
Gov
ernm
ent
and
othe
r ag
enci
es a
s w
ell a
s th
e pr
oced
ure
to b
e fo
llow
ed t
o av
ail t
he s
ame.
DIC
may
con
duct
som
e se
nsiti
satio
n pr
ogra
mm
e fo
r en
trepr
eneu
rs
and
bank
ers
abou
t ce
ntra
lly
spon
sore
d pr
ogra
mm
es a
nd o
ther
pro
gram
mes
ann
ounc
ed b
y Go
I/Go
MP.
Impr
oper
co-
ordi
natio
n be
twee
n ba
nks,
Gov
t. Ag
enci
es a
nd O
ther
age
ncie
s
Bala
ghat
, Ch
hind
war
a, J
habu
a, K
atni
, Kh
andw
a, K
harg
one
Rajg
arh,
Sha
japu
r, Sh
eopu
r, Sh
ivpu
ri, T
ikam
garh
Deve
lopm
ent o
f Han
dloo
m c
lust
ers
to s
usta
in th
e liv
elih
ood
of th
e w
eavr
s an
d to
pre
serv
e th
e tr
aditi
onal
ski
ll ba
se.
Gwal
ior,
Jaba
lpur
, Kha
rgon
e, N
eem
uch
Tim
ely
sanc
tion
of lo
ans
and
cove
ring
the
sam
e un
der C
GTM
SE b
y ba
nks.
Ne
emuc
h, S
eoni
, Sha
japu
r
Mee
ting
wor
king
cap
ital r
equi
rem
ents
to th
e fu
ll ex
tent
by
bank
s.
Neem
uch,
Seo
ni, S
haja
pur
140
AG
RO
PR
OC
ESSI
NG
The
pow
er s
uppl
y in
the
dis
tric
t is
gen
eral
ly e
rrat
ic r
esul
ting
in r
egul
ar p
ower
cut
s.
Ther
e is
a
need
to
ensu
re r
egul
ar s
uppl
y of
pow
er t
o en
cour
age
units
to
set
up p
roce
ssin
g pl
ants
in t
he
dist
rict.
M
any
entr
epre
neur
s ar
e no
t aw
are
abou
t va
rious
fac
ilitie
s av
aila
ble
from
DIC
for
se
ttin
g up
Agr
icul
ture
and
Foo
d Pr
oces
sing
uni
ts.
Ent
repr
eneu
rs g
ener
ally
tak
e th
e gu
idan
ce
of b
anke
rs o
nly
with
reg
ard
to p
repa
ratio
n of
pro
ject
rep
ort
thro
ugh
cons
ulta
nts
on t
he p
anel
of
the
ban
ks.
If
DIC
con
tact
s al
l su
ch e
mpa
nelle
d co
nsul
tant
s an
d gi
ve t
hem
inf
orm
atio
n ab
out
vario
us
faci
litie
s av
aila
ble
from
th
e St
ate
Gov
ernm
ent,
entr
epre
neur
s w
ould
be
be
nefit
ted.
Bala
ghat
, Ch
hind
war
a,
Jhab
ua,
Katn
i, Sh
eopu
r, Sh
ivpu
ri,
Tika
mga
rh
Ther
e is
a n
eed
to s
et u
p an
agr
o-pr
oces
sing
uni
t pa
rtic
ular
ly t
o pr
oces
s M
ango
and
als
o gr
adin
g an
d pa
ckag
ing
unit
for
vege
tabl
es a
nd s
pice
s. H
ortic
ultu
re D
epar
tmen
t an
d In
dust
ries
Dep
artm
ent
shou
ld
coor
dina
te
with
ea
ch
othe
r an
d id
entif
y en
trep
rene
urs
and
exte
nd
nece
ssar
y su
ppor
t fo
r es
tabl
ishi
ng p
roce
ssin
g un
its.
Fin
anci
al s
uppo
rt w
ould
be
exte
nded
by
bank
s.
Alira
jpur
, Tik
amga
rh
Enha
nce
capa
bilit
ies
of t
he e
ntre
pren
eurs
by
orga
nisi
ng a
ppro
pria
te t
rain
ing
prog
ram
mes
. Pl
ug t
he i
nfra
stru
ctur
e ga
ps.
Rem
ove
of a
ll cu
stom
s an
d ex
cise
dut
ies
in r
espe
ct o
f ag
ro-
proc
essi
ng s
ecto
r.
Khan
dwa,
Nee
muc
h Ra
jgar
h, S
eoni
, Sha
japu
r
Proc
essi
ng o
f Gin
ger/
Turm
eric
/ ot
her
spic
es a
nd m
edic
inal
and
aro
mat
ic p
lant
s M
ands
aur,
Tik
amga
rh
OTH
ER P
RIO
RIT
Y
SEC
TOR
Dev
elop
men
t of
ag
ricul
tura
l an
d in
dust
rial
sect
ors
in
the
dist
rict
nece
ssita
tes
adeq
uate
pr
ovis
ion
of
sup
port
ing
ser
vice
s i
n t
he
rura
l a
reas
su
ch
as
tran
spor
t, e
duca
tion,
ho
usin
g, r
etai
l tra
de a
nd s
mal
l bus
ines
s et
c. T
o en
sure
thi
s, v
ario
us li
ne d
epar
tme
nts
of t
he
dist
rict
adm
inis
trat
ion,
esp
ecia
lly A
gric
ultu
re,
Hor
ticul
ture
and
for
estr
y D
epar
tmen
ts t
o cr
eate
aw
aren
ess
amon
gst
the
bank
ers
rega
rdin
g th
e va
rious
inf
rast
ruct
ural
fac
ilitie
s an
d su
ppor
t se
rvic
es d
evel
oped
dur
ing
the
year
.
Seon
i, U
jjain
Smal
l Roa
d an
d W
ater
Tra
nspo
rt O
pera
tors
(SR
TO)
Betu
l, Se
hore
Reta
il Tr
ade
and
Smal
l Bus
inss
Betu
l, Se
hore
Pror
essi
onal
s an
d Se
lf em
ploy
edi
Betu
l, Se
hore
An
Int
egra
ted
infra
stru
ctur
e pa
ckag
e fo
r ru
ral t
ouris
m w
ith a
ll th
e ne
cess
ary
com
pone
nts
such
as
trav
el,
tran
spor
t, lo
dgin
g,
bo
ardi
ng,
com
mun
icat
ion,
po
wer
su
pply,
ad
vert
isem
ent,
secu
rity,
sigh
t- s
peci
fic c
hara
cter
istic
fac
ilitie
s fo
r ex
plor
atio
n/ t
rek/
adv
entu
re/
spor
ts e
tc
wou
ld p
rom
ote
rura
l tou
rism
at t
he d
eser
ving
spo
ts,
Dew
as, U
jjain
Sim
plifi
catio
n of
reg
istr
atio
n pr
oces
s of
land
and
hou
sing
pro
pert
y in
rur
al a
reas
to
faci
litat
e ba
nk c
redi
t. G
wal
ior,
Jaba
lpur
Rura
l san
itata
ion
Man
dla,
din
dori,
Sha
japu
r
Priv
ate
part
icip
atio
n in
cr
eatin
g in
frast
ruct
ure
faci
litie
s lik
e (H
otel
s,
Shop
ping
ar
cade
s,
Tran
spor
tatio
n).
Rajg
arh,
Sha
japu
r, T
ikam
garh
Size
of S
HG
loan
sho
uld
be in
crea
sed
alon
g w
ith m
ore
repe
at lo
ans
Rajg
arh,
Sha
japu
r, Ba
lagh
at, S
hivp
uri,
Sheo
pur,
Tik
amga
rh
141
LIST of DDMs of NABARD, MP RO Sr. No.
District Tagged district
Name of DDM STD Code
Telephone No.
Mobile No. e-mail Address
1 Balaghat V.H. Shingade 7632 249940 9425606096 [email protected], [email protected]
2 Betul D N Hedaoo 7141 230936 9425606081 [email protected], [email protected]
3 Chhindwara Seoni S.Appulingam 7162 244018 9425606083 [email protected], [email protected]
4 Dewas Sehore Yogesh Gokhale
7272 252862 9425606080 9827590165
[email protected], [email protected]
5 Dhar A K Soni 7292 232143 9425606091 [email protected], [email protected]
6 Gwalior Datia Jay Nigam 751 2341128 9425606092 [email protected], [email protected]
7 Hoshangabad Harda Jagdish S. Gaikwad
7574 277059 9425606082 [email protected], [email protected]
8 Indore Ujjain Dr. P.K. Maheshwari
731 2799666 9425606089 [email protected], [email protected]
9 Jabalpur Y.K. Sharma 761 2417966 9425606078 [email protected], [email protected]
10 Jhabua Alirajpur Sanjay Kumar Arohan
7392 245198 9425606088 [email protected], [email protected]
11 Katni Umaria G M Walkare 7622 235221 9425608221 [email protected]
12 Khandwa Burhanpur Manoj V Patil 733 2248573 9425606075 [email protected], [email protected]
13 Khargone Barwani S.K. Navsare 7282 242200 9425606076 [email protected], [email protected]
14 Mandla Dindori S J Hardikar 7642 253924 9425606079 [email protected]
15 Mandsaur Neemuch Manojkumar Harchandani
7422 232430 9425606086 [email protected], [email protected]
16 Morena Bhind D.N.Ramesh 7532 232127 9425606077 [email protected], [email protected]
17 Narsinghpur D S Sonawane 7792 233426 9425606071 [email protected], [email protected]
18 Ratlam J P Minj 7412 230084 9425606095 [email protected]
19 Rewa Sidhi & Singrauli
Chandan S Chatterjee
7662 258548 9425606093 [email protected], [email protected]
20 Sagar Damoh Ayush Sheopuri
7582 230402 9425606085 [email protected], [email protected]
21 Satna Panna Y K Shidore 7672 228922 9425606094 [email protected], [email protected]
22 Shahdol Anuppur Sanjay Kumar Soni
7652 242361 9425606090 [email protected], [email protected]
23 Shajapur Agar Anil Kumar Atal
7364 222217 9425606073 [email protected], [email protected]
24 Shivpuri Sheopur B.S.Wakchaure 7492 224551 9425606087 [email protected], [email protected]
25 Tikamgarh Chhatarpur S.K.Sonkar 7683 247513 9425606044 [email protected], [email protected]
26 Vidisha Raisen K S Mohile 7592 235031 9425606084 [email protected], [email protected]
D D M (R)
1 Bhopal D K Gawali 755 2463341 9425301910
2 Rajgarh L M Negi 755 2463341 9425371884
3 Ashoknagar S Athalye 755 2463341 9479594405
4 Guna Khalid Ansari 755 2463341 9300568738
142
