Summary

[ Back ]

Sector-wise PLP projections and estimated credit flow during 2005-06 in the district

Name of the district : Birbhum                                                                 State : West Bengal
   
                                                                                                                             ( Rs. lakh )

Sl. No.

Sector

PLP projections

Likely Credit Flow

Resource Gap

1

Minor Irrigation

2286.36

462.00

1824.36

2

Land Development

470.06

100.00

370.06

3

Farm Mechanisation

3153.15

1300.00

1853.15

4

Plantation & Horticulture

78.12

45.00

33.12

5

Sericulture

126.23

30.00

96.23

6

Forestry & Wasteland Development

61.47

15.00

46.47

7

Dairy

694.35

300.00

394.35

8

Poultry

648.00

200.00

448.00

9

Sheep/Goat/Piggery

295.20

150.00

145.20

10

Veterinary Clinic & AI centres

11.88

0.00

11.88

10

Fisheries

296.91

100.00

196.91

11

Storage Godown/ Market Yard

1850.00

1850.00

0.00

12

Bio gas

63.00

2.00

61.00

13

Others ( Agriculture )

1782.00

500.00

1282.00

 

Total Term Loan

11816.73

5054.00

6762.73

14

Crop Loan

15210.85

9000.00

6210.85

 

Total Agricultural credit

27027.58

14054.00

12973.58

15

Non Farm Sector

4445.18

2800.00

1645.18

16

Other Priority sectors

18720.00

10000.00

8720.00

 

GRAND TOTAL

(Total Priority Sector i.e., Agriculture + Non Farm sector + Other Priority Sectors )

 

50192.76

 

26854.00

 

23338.76

 

INVESTMENT CREDIT FOR AGRICULTURE

3.1 MINOR IRRIGATION

 

3.1.1 Introduction

The district is characterised by a undulating topography caused by the Chhotanagpur plateau protruding through the western borders of the district from the neighbouring Jharkhand State. The terrain has a gradient towards the East and most of the rivers and drainage channels flow towards the east and merge with the Ganges or Bhagirathi. Besides these there are a large number of seasonal surface water bodies which serve as a source of irrigation for agricultural activities. 65 % of the net cropped area in the district is under assured irrigation.

 

The irrigation structure having a cultivable command area upto 2000 Ha. is classified under minor irrigation. The groundwater resources in 95 villages of Birbhum district is reported to have excess flouride content. Already SWID has stopped giving clearance in Rampurhat I and Nalhati I blocks .

 

As per the 3rd census of MI works in West Bengal, the district level abstract of various structures are as under :

GROUND WATER

 

NUMBER

CCA (ha)

Dug Well

539

596.23

Shallow TW

17461

45680.76

Deep TW

125

3892.28

     

SURFACE WATER

     

Surface Flow schemes

7988

28975.70

Surface lift schemes

8787

25970.32

Total MI Coverage

34,900

10515.29

The basic data as reported by the Agriculture Department about the blocks in respect of agriculture and irrigation are detailed below.

NAME OF BLOCK

GROSS CROPPED AREA (ha)

NET CULTIVATED AREA(ha)

NET IRRIGATED AREA

(ha)

Suri I

15939

10245

3520

Suri II

15733

9556

10759

Sainthia

36277

21291

21645

Dubrajpur

32865

23223

11230

Khayrasole

23988

19208

4487

Rajnagar

15423

13728

823

Md.Bazar

32395

22409

7229

Bolpur

31278

21551

20319

Illambazar

24937

17690

12193

Labpur

32824

20721

17284

Nanoor

35999

22098

28999

Mayureswar I

30005

16136

19713

Mayureswar II

21188

10609

11772

Rampurhat 1

31160

20152

13442

Rampurhat II

29520

15819

16981

Nalhati I

33112

18971

9886

Nalhati II

19711

8573

10171

Murarai I

25239

14337

1951

Murarai II

26812

14989

12964

TOTAL

514405

321306

235368

It may be observed from the above table that 73% irrigation has been made available to the Net Cultivated Area of the District which indicates that there is still much scope for MI activities.

3.1.2 Availability and gaps in infrastructure and support services

i) State Water Investigation Directorate which has one district office in Suri that help and guide people in construction of MI structure . SWID has completed Ground Water assessment based on GEC norms in 2001. As per the assessment, out of 19 blocks, 3 blocks Viz. Nalhati II, Nanoor, Murarai II are categorised as ‘critical’ where as others are under ‘Safe Category’. The level of development in Khoyrasole block is near about 50 % and that in Suri-II and Illambazar blocks are around 40 %. The Department has since stopped giving clearance for submersible pumpsets in the blocks of Nanoor and Labpur.In the remaining blocks the level of development is well below 30 % indicating a large potential available for development. Incidentally groundwater clearance has been put on hold by SWID in parts of Rampurhat-I and Nalhati-I blocks where fluoride contamination beyond the human tolerance level prescribed by WHO is found in the underlying aquifer. The contamination is mainly found in the areas bordering Jharkhand state.

The block Level summary on Culturable Command Area in respect of Ground Water and Surface water is given below :

NAME OF BLOCK

GROUND WATER(ha)

SURFACE WATER (ha)

TOTAL CCA (ha)

Suri I

301.80

2060.47

2362.27

Suri II

442.13

1407.35

1849.48

Sainthia

4265.87

2965.95

7231.82

Dubrajpur

2233.14

4576.41

6809.55

Khayrasole

1397.82

5236.67

6634.49

Rajnagar

139.39

2451.89

2591.28

Md. Bazar

339.37

3495.91

3835.28

Bolpur

3320.86

4266.67

7587.53

Illambazar

5797.02

5173.65

10970.67

Labpur

5302.45

3453.31

8755.76

Nanoor

7040.47

2969.70

10010.17

Mayureswar I

1366.22

2413.49

3779.71

Mayureswar II

2447.68

1398.81

3846.49

Rampurhat I

1036.96

2211.87

3248.83

Rampurhat II

2588.44

1701.78

4290.22

Nalhati I

2844.98

2429.03

5274.01

Nalhati II

3209.79

1068.27

4278.06

Murarai I

1878.23

957.19

2835.42

Murarai II

4216.65

4707.60

8924.25

TOTAL

50169.27

54946.02

105115.29

From the above table it may be observed that balance between MI structures relating to Ground water and surface water is more or less equal.

The Block level position of Actual Irrigation is summarised as under:

NAME OF BLOCK

GROUND WATER(ha)

SURFACE WATER (ha)

TOTAL CCA (ha)

Suri I

199.86

1266.66

1466.52

Suri II

428.79

1131.86

1560.65

Sainthia

3293.36

1882.58

5175.94

Dubrajpur

1651.76

2902.45

4554.21

Khayrasole

1399.04

3287.14

4686.18

Rajnagar

73.07

1600.25

1673.32

Md. Bazar

260.63

2448.38

2709.01

Bolpur

3393.21

1841.34

5234.55

Illambazar

4660.28

2142.22

6802.50

Labpur

4537.59

2658.56

7196.15

Nanoor

5679.43

2034.85

7714.28

Mayureswar I

1365.73

1524.55

2890.28

Mayureswar II

4625.63

1120.40

5746.03

Rampurhat I

999.43

1577.09

2576.52

Rampurhat II

2389.89

816.59

3206.48

Nalhati I

2415.81

1563.75

3979.56

Nalhati II

3725.29

898.42

4623.71

Murarai I

1508.46

902.51

2410.97

Murarai II

2407.92

4276.22

6684.14

TOTAL

45015.18

35875.82

80891.00

It may be seen from both the tables as above that the actual irrigation is much less than the potential created. In other words efforts would have to made to enhance the utilisation rate of the potential already created, in addition to utilise the balance exploitable potential . The reasons for the low level of progress among otheres is the energisation of the pumpsets. The WBSEB has recently hiked the cost of power connection and the Agri- Irrigation department is now finding it difficult to incorporate the said hike in their allocation for each Tube well. In addition to the above problem, the electrified Mouzas are not intensified. Out of total 2232 mouzas, 2217 mouzas are electrified and only 530 mouzas have been intensified by 31 March 2003. and also there is problem of low voltage at the tail end of the service line . RIDF funding for Rural Electrification and construction of sub – stations is required to improve the position so that there can be wide spread use of the Electric Pump sets.

The total Command area of the Mayurakshi River Project and the Hinglow River Project put together is about 155.88 thousand hectares and the rest are covered by various surface and ground water irrigation structures.as stated above Of late, the water supply from the Mayurakshi River canal system is reported to be not reaching the highenders during the Rabi season as the dead water storage capacity has been reduced drastically due to heavy siltation and indiscriminate channeling / diversification from the main canal system by the local populace. In such areas, surface or ground water can be exploited subject to clearance from SWID. The Agri-Irrigation division and the Agri-Mech division are installing ground and surface water lifting devices but a planned approach/ process is not followed or adhered to. In the Hinglow River canal system the division can devise canal lift irrigation with the assisitance of the WBSEB for energisation of the pumps. So far the WBSEB has been working in tandem with both the irrigation departments. However, the power situation in the district is not satisfactory. As such providing of standby diesel pumpsets in the event of power failure may be a thought of proposition. Availiability of Petrol and Deisel may not be problem as the Government has issued licences for opening of such outlets in almost all major connecting roads in the district. Breakdown of the pumpsets are a major problem. The farmers are left high and dry in such situations. Service centres providing pump repairing facilities should be set up in the block level and major production constraints through bank finance. This would lead to generation of employment also.

The Agri Irrigation Division has been instaliing irrigation systems. However, advanced irrigation equipments for drip & sprinkler system are not high in their priority list. Khoyrasole, Dubrajpur or for that matter the entire red laterite zone bordering the state of Jharkhand can benefit from the advanced irrigation techniques. Horticulture plants can thrive in such areas. The Department of Horticulture may like to make an in depth analysis in this regard.

Every June, the water stored in the Mayurakshi River Canal system is released for maintenance of the locks gates. During the same time, efforts can be made to excavate the storage area so that the depth is increased and the water holding capacity is augmented. The North and South bound canals also require excavation. As the excavation of mud or silt is a time bound programme, heavy machinery may be involved.

ii) Under RIDF - V tranche Agri-Irrigation Division has implemented 30 LDTWs and 15 MDTWs in different parts of the district and this has brought 450 Ha. under assured irrigation. Similarly around 1080 Ha. of farm land is being provided with assured irrigation by the Agri-Mechanical Division through installation of 50 mini-RLIs and one major RLI under the same RIDF tranche.out of which 42 have been completed till date.

iii) Under RIDF VII the Agri-Irrigation Division has implemented 40 LDTWs covering about 200 ha under assured irrigation. The three RLI (Major) projects have not taken off due to several factors and could be considered as non starter schemes.

iv) Under RIDF - VIII Agri-Mechanical Division are in the process to install 10 mini-RLIs. Similarly Agri-Irrigation Division are in the process of implementing 10 MDTWs, 52 LDTWs,. These MI structures when installed will provide an additional irrigation to about 712 Ha. of farm area during the next few years.

The avavilability of areas to be irrigated is about 27 % of the Net Irrigated area . As such the structures proposed to be constructed for exploiting the potential are summarised in the tables given below .Taking into account the balance resource available, the ideal phasing of the potential in terms of feasible number of MI structures in the district has been projected over the next 13 years co-terminating with the XII Five Year Plan. Accordingly the annual target for the year 2005-06 has been projected as under.

Sl.No.

Block

Net GW availability in ham.

Curent Annual Gross GW Daft for irigation in ham

Current ground water draft for domestic and industrial uses(ham)

Gross ground water draft for all uses(ham)

Stage of Ground Water Development as %

Categorisation as per GEC- 97

Annual Allocation of GW for Domestic & Industrial Water Supply upto next 25 yrs. in ham

Net Annual GW Availability for "Future Irrigation Use" in ham.

No. of GW structures feasible

Annual allocation (ideal potential)

         

(4+5)

(6/3)*100

   

3 - (4+9)

STW

2005-06

1

2

3

4

5

6

7

8

9

10

11

12

                       

1

BOLPUR-SRINIKETAN

15461.12

2472.50

392.52

2865.02

18.53

safe

569.00

12419.62

3881

299

2

DUBRAJPUR

12977.95

1518.20

350.55

1868.75

14.40

safe

513.00

10946.75

3421

263

3

ILLAMBAZAR

9937.58

3539.60

312.11

3851.71

38.76

safe

451.00

5946.98

1858

143

4

LABHPUR

12731.54

3129.80

396.39

3526.19

27.70

safe

577.00

9024.74

2820

217

5

MAYURESWAR - I

8507.65

1121.40

300.99

1422.39

16.72

safe

438.00

6948.25

2171

167

6

MAYURESWAR - II

8030.53

1989.00

255.11

2244.11

27.94

safe

369.00

5672.53

1773

136

7

MURARAI - I

3759.79

739.40

316.35

1055.75

28.08

safe

459.00

2561.39

800

62

8

NALHATI - II

4187.18

1887.40

231.93

2119.33

50.61

critical

338.00

1961.78

Nil

Nil

9

NANOOR

13711.17

3648.00

434.64

4082.64

29.78

critical

633.00

9430.17

Nil

Nil

10

RAMPURHAT - II

7517.61

1552.70

357.51

1910.21

25.41

safe

519.00

5445.91

1702

131

11

SAINTHIA

15066.43

2784.00

400.41

3184.41

21.14

safe

580.00

11702.43

3657

281

12

MURARAI -II (NC)

1198.12

0.00

112.22

112.22

9.37

critical

163.00

1035.12

Nil

Nil

 

MURARAI - II (C)

5973.14

1587.30

261.87

1849.17

30.96

critical

381.00

4004.84

Nil

Nil

13

KHAYRASOLE

4488.42

1039.20

315.17

1354.37

30.17

safe

459.00

2990.22

934

72

14

MAHAMMADBAZAR

7071.8

305.20

300.29

605.49

8.56

safe

434.00

6332.60

1979

152

15

NALHATI - I

4204.98

1649.30

450.59

2099.89

49.94

safe

656.00

1899.68

594

46

16

RAJNAGAR

2246.17

54.70

158.87

213.57

9.51

safe

229.00

1962.47

613

47

17

RAMPURHAT - I

8311.57

676.10

346.79

1022.89

12.31

safe

504.00

7131.47

2229

171

18

SURI - I

5506.48

212.70

199.89

412.59

7.49

safe

291.00

5002.78

1563

120

19

SURI - II

1722.64

517.10

168.20

685.30

39.78

safe

245.00

960.54

300

23

 

TOTAL

152611.87

30423.60

6062.40

36486.00

23.91

 

8808.00

113380.27

30296

2330

Infrastructure requirement for Minor Irrigation structure in the district with total projections for the year 2005-06.

Sr. No.

MI Structures

Feasible Structures

Physical programme for 2005-06

Infrastructure requirement

Present Status of Infrastructure

Remarks

1

Dugwell + PS

 

590

40

Well Siting (support from SWID) and private agency

The support for well siting from SWID in the district is available.

No private agencies are involved in the well sitings for Dugwells.

Construction material availability

The construction material for lining etc. required for DW are available in adequate quantity.

Skilled manpower

Skilled manpower is available in adequate quantity in the district for construction of DW.

2

STW+PS

30296

2330

Well siting (support from SWID) and private agency

The support for well siting from SWID in the district is available. Private drilling agencies also render service in well sitings for shallow Tube Wells.

Boring and construction

Generally STW are constructed through the local contractors having "drilling equipment with tripod" arrangements and no heavy drilling machinery's or rigs required. Such contractors are available in adequate number in the district

Material requirement

Pipes (a) Housing 3.03 lakh m, (b) assembly 3.91 lakh m, (c) brass strainer - 1.9 lakh m, (d) GI pipes column 2.65 lakh m.

As per the feedback received from the bank branch managers/LDMs in different foras, there is adequate number of retail dealers for above materials are available in the district.

3

Low Lift Point

9585

1300

Availability of consulting agencies for project report preparation,

Contractors for executing the projects

 

Low lift points projects are very small lift irrigation projects consisting of pumpsets upto 5 HP and average length of 200 m. PVC pipe (4"dia). The installations are being done by the supplier and the local pumpset mechanics. This kind of support is available adequately.

NIL

Material requirement

5 HP Centrifugal pumpset - 2871 nos

Pipeline - 5.74 lakh m.

Dealers of pumpsets and pipeline of reputed brand are available at district level and the present network is sufficient to cater to demand.

NIL

4

Pumpset

11915

3600

Availability of dealers

Based on the database available from the West Bengal Pumpset Manufacturers Association, reputed manufacturers have dealership network at district level and there are able to cater to the needs of the demand of BIS certified quality electrical pumpset, diesel pumpset and Kerosene petrol. Hence adequate infrastructure is available.

NIL

Requirement and availability of diesel

Out of the total pumpsets envisaged (for dugwells, STWs and LIPs), 2300 pumpsets are likely to be "diesel pumpsets". The diesel and lubricant requirement will be about 14 lakh liters. Diesel outlets / retail suppliers are available at district headquarters/ talukas / bigger mouzas.. It is reported that there is adequate supply of diesel/kerosene. New Petrol/diesel stations are comimg up all over the district.

NIL

Availability of Power (Energisation)

Out of the total pumpsets envisaged, 4930 pumpsets are likely to be electrical pumpsets which requires energisation in various blocks of the district.

The additional power consumption is likely to be 0.986 million units for the proposed 4930 pumpsets.

 

 

5

Drip Irrigation

1590 ha

120 Ha

Agencies for propogation of layout, design and installation - manufacturers

The reputed manufacturers like Premier Irrigation ( HO at Kolkata with a branch at Siliguri), Jain Irrigation Systems Ltd, Netafim Irrigation India Ltd will be able to provide support for preparation of layout design, supply of material and installation etc. The manufacturers / suppliers are willing to provide layout and design free of cost

(i) Lack of awareness among the farmers growing the plantation and Horticultural crops.

(ii) Incentive measures for popularising the drip irrigation system are also required. Creation of model drip irrigation farms, at least one in each of potential blocks, would help in popularising the schemes.

(iii) Institutional arrangement for providing technical support for preparation of layout and design, support of quality system materials, installation, after sale service etc. needs to be made.

Material requirement

Though the immense potential is available for drip irrigation but at present the reported area under drip irrigation is negligible or nil. To start with 50 % of the total area under Fruits and Plantation (Coconut and Arecanut) is indicated as potential for drip irrigation.

 

Taking the ratio of 75:25 for Fruits and Coconut:Areacanut, the likely material requirement for Coconut for 1 ha model design is 1.886 lakh m of main and submain line of PVC/HDPE, 22.63 lakh m lateral line ( 12 mm LDPE), 8.14 lakh no. Drippers and 1886 no. Filters and other accessories. Similarly, the material requirement for Arecanut (629 ha) for 1 ha model design is 0.63 lakh m of main and submain line of PVC/HDPE, 22.64 lakh m lateral line ( 12 mm LDPE), 8.15 lakh no. Drippers and 629 no. Filters and other accessories.

 

Discussion with the above manufactures indicate that the manufacturers will be in a position to supply the above material required provided the demand emanates.

 

6

Sprinkler Irrigation

89400 ha

690 ha

Agencies for propogation of layout, design and installation - manufacturers

The reputed manufacturers like Premier Irrigation ( HO at Kolkata with a branch at Siliguri), Rungta and others will be able to provide support for preparation of layout design, supply of material and installation etc. The manufacturers / suppliers are willing to provide layout and design free of cost.

 

(i) Lack of awareness among the farmers growing the oilseeds.

ii) Incentive measures for popularising the sprinkler irrigation system are also required. Creation of model sprinkler irrigation farms, at least one in each of potential blocks, would help in popularising the schemes. (iii) Institutional arrangement for providing technical support for preparation of layout and design, support of quality system materials, installation, after sale service etc. needs to be made.

Material requirement

 

Development of sprinkler irrigation in the district is limited.Further, there is scope for development of sprinkler irrigation in the district as more and more area is being covered under the diversification programme of the State Government. Though the immense potential is available for sprinkler irrigation for other crops, as a beginning 30 % of the total area under Oilseed is indicated as potential for sprinkler irrigation.

The likely material requirement for the projected area by taking 1 ha model design is 0.34 lakh m of main (90 mm) of Alluminium / HDPE pipe, 0.68 lakh m lateral line (75 mm) of Alluminium / HDPE pipe, 2800 no. Nozels and other accessories.

Discussion with the above manufactures indicate that the manufacturers will be in a position to supply the above material required provided the demand emanates.

 

NIL

7

Supportive infrastructure

-

After sale service for pumpsets

(1) Generally in the district after sale service centers is available.

(2) Private entrepreneurs are available for servicing pumpsets, rewinding the coils etc.

Pumpset mechanics

Pumpset mechanics are available locally at the block and mouza level.

Water testing laboratories

There are no chemical laboratories equipped with modern analytical instruments under SWID in the district.The same are located at the Headquarters Office of SWID at Kolkata and other four regional laboratories are situated at Burdwan, Berhampur, Midnapore and Jalpaiguri. The SWID district officers are rendering the extension service in this regard.

8

Institutional infrastructure

(1) GW assessment

Discussion with the above manufactures indicate that the manufacturers will be in a position to supply the above material required provided the demand emanates.

The Groundwater assessment report with categorisation of blocks may be finalised at the earliest.

3.1.3 Assessment and Phasing of the Potential in Base PLP and Rephasing of Potential on account of infrastructure changes in the year 2005-06 ( Rs. in lakh )

Item

BASE PLP

 

Design

Unit Cost

PU

FO

BL

Dug well & PS

3m x12m

0.165

40

6.60

5.95

STW with 5 HP DP set

25/ 30 m

0.255

850

216.75

195.08

STW + Submersible Pumpset 3HP

25/ 30 m

0.45

350

148.76

133.88

Pumpsets alone

         

a) Diesel

5 HP

0.17

1600

272.00

244.80

b) Electric

3 HP

0.174

550

96.10

86.49

Lift Irrigation

 

0.25

150

37.54

33.79

Drip Irrigation (ha)

 

0.311

30

9.35

8.42

TOTAL

   

3,900

787.1

708.41

 

Item

UPDATED PLP

 

Design

Unit Cost

PU

FO

BL

Dug well & PS

4m x 12m

0.51

40

20.40

18.36

STW with Pumpset 3HP

25/ 30 m

0.52

2,330

1211.60

1090.44

Pumpsets alone

         

a) Diesel

5 HP

0.19

3,200

608.00

547.20

b) Electric

3 HP

0.19

400

76.00

68.40

Lift Irrigation (LLIP)

 

0.4

1,300

520.00

468.00

Drip Irrigation

 

0.18

120 ha

21.60

19.44

Sprinkler Irrigation

 

0.12

690 ha

82.80

74.52

TOTAL

0

   

2540.40

2286.36

The banking sector as well as the private sector is expected to finance about 60% out of the total stakes in the total MI potential for the district. The rest 40% may be borne by the government.

A few units may be sponsored under SGSY as a group activity and SCP/ TSP as well.

The block-wise Activity-wise allocations of the various investments under Minor Irrigation during the year 2005-06 are indicated in Annexure-I.

 

3.1.4 Review of Ground Level Credit

The Annual Credit Plan target and ground level credit for last three years are as under :-

(P= No. of units F= amount in Rs. lakh)

Activity

 

ACP Target

Disbursements

   

2001-02

2002-03

2003-04

2001-02

2002-03

2003-04

Dug well

P

-

1

8

-

1

2

 

F

-

0.80

3.20

-

0.30

0.07

STW with 5HP DP set

P

101

-

250

63

-

 
 

F

33.06

-

63.22

14.43

-

 

STW

P

-

71

 

-

106

 
 

F

-

45.37

 

-

20.87

 

Submersible pumpset- 3 HP

P

-

-

-

-

2

76

F

-

-

-

-

0.20

15.58

Pump sets

             

a) Diesel - 5 HP

P

287

14

289

132

14

 
 

F

52.12

6.82

47.17

17.40

2.52

 

b) Electric - 3 HP

P

-

188

-

-

107

249

 

F

-

31.48

-

-

15.26

34.27

Lift Irrigation

P

4

2

89

3

100

79

 

F

9.40

4.50

17.11

2.10

23.13

14.07

Drip Irrigation

P

15

-

85

-

-

 
 

F

7.29

-

8.52

-

-

 

Sprinkler Irrigation

P

-

-

-

-

-

 
 

F

-

-

-

-

-

 

MI misc.

 

P

44

70

113

23

93

64

 

F

20.74

31.6

34.8

8.34

23.98

15.05

TOTAL

F

122.61

120.57

174.02

42.27

96.26

79.04

 

i) CARDBs (Cooperative Agriculture and Rural Development Bank) have played a major role in the disbursement of credit to the sector. Mayurakshi Gramin Bank have also disbursed some loan for installation of MI structures. Contribution of the Commercial Banks not up to expectations.The introduction of OFWM has also enhanced the achievement rate of Banks in the district. The achievement under OFWM during this year 2003-04 is 47 % in terms of physical units . Inasmuch as 517 cases were disbursed against a target of 1075.

ii) Based on the trend of the previous years and also the advent of OFWM which has performed well by registering a disbursement of 544 and 517 cases against a target of 1185 and 1075 cases for the year 2002-03 and 2003-04 respectively, it is estimated that the credit flow for the year 2005-06 will be of the order of Rs.462.00 lakh.

Resource Gap

The resource gap will be Rs. 1824.36 lakh. The gap is expected to be filled by RIDF funding of sinking of shallow and deep tubewells.

Suggested Action Points

(a) Banks :

i) Banks have to identify more numbers of farmers in their service area and motivate them to install MI structures for a cluster of farms so as to facilitate assured irrigation and ensure optimum utilisation .

 

ii) Banks ought to strive to achieve the targets fixed by themselves under the Annual Credit Plan and also undertake critical review to overcome constraints.

 

iii) In addition to i) above, banks may also try to explore the scope of disbursing loans to farmers groups for MI activities.

(b) Development Department of the Govt.

i) SWID may finalise at the earliest the revised Ground water assessment and categorisation of blocks. Ground water clearance is not being given for Nanoor and Labpur Blocks as they have reached the saturation point.

ii) The State Government may construct artificial structures particularly in rainfall deficient areas to facilitate recharging of the acquifers.The Government may also take up the construction of farm ponds. It would help in setting up of low lift points which can be an additional source of irrigation water

iii) The State Government may advise the district authorities to formulate more schemes for installation of HDTW, MDTW, LDTW and RLI structures to be implemented with loan assistance from NABARD under RIDF for augmentation of irrigation potential for the benefit of farmers. System Improvement Projects may also be recommended for sanction under RIDF . This would facilitate energisation of all MI structures without any constraints of overloading of transformers therby ensuring continuous power supply.

iv) The Horticulture / Agriculture Department may arrange for demonstration units of Drip and Sprinkler Irrigation systems and also training programmes for the farmers to popularise the same.

3.2 Land Development

3.2.1 Introduction

The growing population has brought about tremendous pressure, both on the land and ecology of Birbhum district. As per agro-climatic classification, Birbhum falls under the Lower Gangetic Plain Region, but the soil in more than half of the blocks is red laterite with very low clay and /or alluvium content. However, the eastern parts of the district have deposits of both old and new alluvium. In order to meet the challenges of sustaining this population with food and shelter, planned efforts are to be made to a) increase productivity in the existing farms, b) bring new areas covering culturable wasteland, barren and fallow lands into the fold of agriculture, c) reclaim and/or convert highly acidic or alkaline lands, and sub-merged and marshy lands for productive purposes through soil treatment and improving drainage facilities. The aforementioned land development activities may be broadly classified as a) On-Farm Development, b) Land Reclamation, and c) Management of waterlogged soil and drainage, d) Re- excavation of existing silted of ponds, drainage course e) check dam, gully plugging and other soil conservation structures f) Watershed Management g) innovative activities viz., vermicomposting.

3.2.2 Availability and gaps in infrastructure and support services

The entire gamut of land development activities, including micro-watershed development, are looked after and attended to by the Soil and Water Management Directorate under the Department of Agriculture in close coordination with the District Agriculture Office. The department is headed by one Deputy Director and and has two wings viz., a) detailed soil survey and b) soil and water management with its compliment of manpower. Besides the Deputy Director’s office at Suri there is another office at Rampurhat. Soil conservation works are done in the district on watershed basis and the department undertakes detailed survey work and publishes detailed report with map pertaining to each of the identified watersheds. As per information made available by the Soil Conservation Officer, out of a total of 9520 ha in 17 watersheds only 4096 ha have been covered upto 31.3.2004 and as per the Deputy Director of Agriculture ( Soil and Water Management ) the physical achievement is to the tune of 7400 ha approx. The financial achievement upto 31.3.2004 has been approx. Rs. 14.00 lakhs. The DPAP schemes are executed in the blocks of Rajnagar and Murarai I ( 7 micro watersheds each ) . Likewise two micrwatersheds under the Hariali programme of the GOI are also being implemented in the said blocks. 10 Microwatersheds under IWDP are in the process of implementation in Rampurhat I block. NABARD has sanctioned Two microwatershed projects for implementation by the Md. Bazaar Panchayat Samiti in Md. Bazar block. The project has sucessfully completed Capacity Building Phase (CBP) which was implemented in Nimdaspur and Tangshuli with a Rs. 8 lakh approx. grant assistance from NABARD. The Full Implementation Phase (FIP) for the said projects are however yet to be submitted. Further, after a detailed study / survey undertaken jointly by NABARD and State Government Officials, four watersheds have been identified and approved which is to covered under WDF.

Degraded lands of Birbhum district ( ha )

Geographical Area

Forest

Ravinous/ gulli/Rill

waterlogged

Stream bank & sand laddened

Total

% of degraded land

454500

15048

85000

9000

10000

104000

4.70

Details of degraded area ( Block wise )

Block

 

Degraded area (in ha)

Area treated so far (in ha)

 

Balance area to be treated (ha)

 

Type of problem/ soil erosion

 

Identified treatment measures

 

Cultivable Waste land

Uncultivable Waste land

Nalhati I

13

265

No specific report available. Only 7.5 % of area have been treated so far by the Soil Conservation wing, Panchayat bodies and NGOs

278

Sheet, rill and gullied erosion

Contour bunding, field bunding, gully plugging, contour vegetative hedge, farm forestry,

conservation to be taken up as per present land use.

Nalhati II

3

230

233

Murarai I

63

285

273

Murarai II

154

90

244

Mayueswar I

0

105

105

Mayureswar II

38

130

168

Rampurhat I

16

366

10

Rampurhat II

19

175

194

Md. Bazar

3,242

893

3,935

Sainthia

956

604

1,560

Dubrajpur

245

1,541

1,486

Rajnagar

1,325

500

1,225

Suri I

1,919

475

2,384

Suri II

8

15

23

Khayrasole

263

622

835

Bolpur

117

430

547

Labpur

148

207

355

Nanoor

6,176

28

6,204

Illambazar

202

545

647

14907

7496

20706

As observed from the above table the balance area to be treated stands at 20706 ha which is quite substantial and soil and water conservation treatments may have to be taken up in the right earnest. The district of Birbhum is backward and infrastructural facilities are lacking . Further the terrain is undulating causing constraints in mobilty and the weather is rustic resulting in poor utilisation of labour power. The progress of execution of the watersheds is unsatisfactory. Timeliness is the key factor and that may be the prime reason for the lack of motivation of the part of the beneficiaries. Further, the programme requires to some extent technical expertise and as such the grass root level workers fail to implement it methodically resulting in unnecessary dealy in fund utilisation.Besides the beneficiaries do not get instant benefit from the programme and it is often observed that they divert to other activities viz. migration to other districts for search of work or engagement in stone quarries.There is an urgent need to address the problem .

The gamut of Land development activities are executed as per the norms formulated by the Government Of India, Ministry of Agriculture and Ministry of Rural Development. The executing agencies directly implements the work out of budgetary allocation. As the same may not suffice the requirement of the implementing agencies, obtaining assistance from NABARD under RIDF may be sound proposition. The details are outlined as under :

POND EXCAVATION (Rs. Lakhs)

No. of ponds requiring excavation

35,090

 

Estimated cost

 

12280.00

Contingent expenditure

 

610.00

TOTAL

 

12890.00

ADDITIONAL STRUCTURES

Check dams, embankments, soil & water conservation structures

( Temporary / permanent )

650

 

Estimated cost

 

228.00

Contingent Expenditure

 

11.00

TOTAL

650

239.00

3.2.3 Assessment and Phasing of the Potential in Base PLP and Rephasing of Potential on account of infrastructure changes for the year 2005 - 06

The Base PLP had envisaged specific activities by name. These activities as a whole are not popular in the district. However keeping in view the importance of some of the activities these have been retained in the updated PLP as these are considered feasible in the district along with the other popular activities and the rephased potential is detailed as under :-

                                                                                                                            (Rs. in lakh )

Item

BASE PLP 2005-06

 

Unit

Unit Cost

PU

FO

BL

On Farm Development

Ha

0.075

130

9.82

8.84

Land Reclamation

Ha

0.075

175

13.22

11.90

Watershed Development

Ha

0.080

175

14.04

12.64

Tank Silt application

Ha

0.080

65

5.22

4.70

Vermicompost

Nos.

0.990

12

1.19

1.07

TOTAL

     

43.49

39.15

                                                                                                                            ( Rs. in lakh )

Item

UPDATED PLP 2005-06

 

Unit

Unit Cost

PU

FO

BL

Land Levelling & Shaping

Ha

0.23

1,000

230.00

207.00

Vermicompost

Nos.

0.10

100

10.00

9.00

Farm Pond model - II / RWST

Ha

0.14

1,200

168.00

151.20

Tank Silt application

Ha

0.08

180

14.40

12.96

Miscellaneous

Ha.

0.20

500

100.00

90.00

TOTAL

     

522.40

470.16

 

The Block-wise and Activity-wise allocations of the various investments under the Land Development sector during the year 2005-06 are indicated in Annexure-I.

 

3.1.4 Review of Ground Level Credit

(i) The Annual Credit Plan targets and ground level credit flow for the last three years are as under :- 

                                                                                                                                    ( Rs. lakh )

   

ACP Targets

ACP Disbursements

Activity

 

2001-02

2002-03

2003-04

2001-02

2002-03

2003-04

Land reclamation

P

49

52

29

98

44

42

 

F

22.77

14.80

11.71

13.79

9.44

11.72

DrylandAgriculture

P

-

-

 

1

4

4

 

F

-

-

 

-

0.10

3.84

 

0.37

Vermi Compost

P

-

-

-

-

-

-

 

F

-

-

 

-

-

-

LD Misc.

P

96

4

72

22

59

67

 

F

31.00

0.40

35.45

5.53

19.64

29.46

TOTAL

F

53.77

15.20

47.16

19.42

32.92

41.55

The contents of the above table do not indicate any discernible trend/ preference on the part of either the banker to disburse bank loan or the borrower to avail of bank loan for undertaking various activities under this sector. In any event the situation is not encouraging particularly in view of the poor soil conditions obtaining in various parts of the district. Amongst the banks, Rampurhat CARDB is the forerunner in disbursing loans for the development of the sector in the district,.

(ii) Although, the disbursements registered an increase during the years under reference, it cannot be construed as a positive signal.

The year 2002-03 has been exceptional.Therefore, to take a realistic view ,the flow of GLC cannot be ascertained in the correct perspective. As such, it may be assumed positively that during the year 2005-06 the flow of GLC will be in the region of Rs. 100.00 lakh.    

Resource Gap

The Agriculture Department in coordination with the office of the Soil Conservation Officer and other departments has taken up an ambitious plan to popularise the issue of land reclamation through direct intervention and it is expected that ground level credit with subsidy component in watershed development and emphasis on eco-friendly growth will increase in future The resource gap will be of the order of Rs. 344.96 lakh.

3.1.6 Suggested Action Points

(a) Banks

All participating banks may make special endeavour to identify beneficiaries and motivate them to undertake land development activities with assistance from banks.

Further various banks may try to dovetail its own programme with that of the microwatershed programme being implemented by various agencies in the district.

Banks may try to replicate the micro-watershed projects on the lines of the project being implemented with grant/ loan assistance from NABARD under the Watershed Development Fund.

(b) Development Departments of government

The soil and Water Management Directorate has to strengthen its extension work to educate the owners/ occupants of the dregraded land on the benefits that would accrue as a result of undertaking appropriate land development activities and motivate these persons to avail of institutional credit for the purpose.

The Agriculture Department in coordination with Soil and Water Management Directorate and Palli Siksha Sansad, Visva-Bharati may improve its extension services and popularise this sector.

The Soil Conservation wing at the Department of Agriculture are directly involved for execution of the propgramme.The programme may be sucessfully implemented either by restructuring the Soil Conservation wing or by creation by legislation of State Soil Water Conservation Corporation which are presently functioning in states like Gujarat etc.

There should be better coordination between Agriculture Department and the banks for success of land development activities. Discussions in the district forum such as DCC/DLRC/SC etc. should invariably focus on sectoral issues for higher credit off-take to this sector.

3.3 Farm Mechanisation

3.3.1 Introduction

In Birbhum, majority of the farmers employ agricultural labourers and draught animals for all aspects of agricultural operations beginning with procurement of inputs till the produce is sold in the market. This dependence on the traditional method of agriculture though eco-friendly has not actually helped us in achieving the status of a food grain surplus nation. It has been the adoption of good farm management practices and use of improved farm machines and other agricultural implements that helped the farmers complete the agricultural operations efficiently and in time. This resulted in increased coverage, better productivity and increased production. The emphasis on increased production of cereals, oilseeds and pulses could not have been achieved by any other method.

3.3.2 Availability and gaps in infrastructure and support services

Tractors, power tillers and other agricultural implements such as paddy threshers,seed drills etc. are offered for sale in the district through dealer/ distributor network of reputed companies. These items can also be purchased from the neighbouring districts.The companies selling the farm equipment also provide after sales service. Besides, private entrepreneurs have set up service centres to repair the farm equipment. West Bengal Agro Industries Corporation and West Bengal State Seeds Corporation act as the nodal agencies offering tractors and power-tillers.Earlier, the said Corporations were offering subsidy @ Rs. 30000/= only per unit. But for the last two years, the doling out subsidy for purchase of tractors have been discontinued. As such the sales have also dipped. The West Bengal Agro Industries Corporation now functions in the competative market with private dealers. The corporation is now just another dealer in tractors, the only difference being that it is state owned. The Corporation does not deal in implements and as per their records power tillers are sold more than tractors. This is primarily due to the fragmantation of land and also because of the fact that power tillers are more suited for traditional paddy growing areas. However, in areas where the soil is alluvial in nature tractors are sold but again most of units are used mainly for custom hiring. As on 31 March 2002 there were about 4163 tractors with trailors in the district. The status of power tillers is not available.

There were not enough filling centres in the rural areas earlier but of late the Government has issued licences for opening of outlets in practically all parts of the district. Work on the outlets are in full swing and some have already been completed and commissioned. As such, availability of diesel to the farmers residing in the villages not connected by all weather roads no longer act as a constraining factor. As a matter of fact, diesel is availiable in nearly all connecting villages, although illegally. Therefore adequate number of authorised dealers may be appointed in the district so that the Farm machinery and other equipment are available for purchase to the intending purchasers. These dealers may also provide after sales service to the farmers. In order to provide repair, maintenance service and supply of Spare parts/ components to the farmers, unemployed youth may be encouraged to take such training and start business as an entrepreneur to provide expert services and advice to farmers on input supply, farm equipments on hire and other services as a commercial activity. This is commonly known as Agri Business centres which has been drawn up as a scheme by NABARD, mainly for unemployed Agriculture graduates This would lead to gainful employment to such graduates in new and emerging areas in agriculture. It may be our endeavour to set up such units at least in small towns to enable farmers to use these machinery and equipment without any form of hindrance.

3.3.3 Assessment and Phasing of the Potential in Base PLP and Rephasing of Potential on account of infrastructure changes for the year 2005-06 ( Rs. lakh )

Item

BASE PLP 2005-06

UPDATED PLP 2005-06

 

Unit

Unit Cost

PU

FO

BL

Unit

Unit Cost

PU

FO

BL

tRACTOR

with trolley

2.945

275

810.00

729.00

with trolley

3.78

325

1228.50

1105.65

pOWER tILLER

each

0.723

175

126.66

114.00

each

1.00

1,900

1900.00

1710.00

fms misc.

nos.

0.165

375

62.22

56.00

nos.

0.15

2,500

375.00

337.50

TOTAL

     

998.88

899.00

     

3503.50

3153.15

The upward revision in potential has been effected in keeping with increasing irrigation facilities expected to be commissioned during the current year on account of completion of various Govt. funded schemes and bank aided private investment under OFWM Schemes. Further, the Banks have now been allowed to finance second hand tractors in all the states.

As the farms are smaller in size the farmers find it more beneficial to go for power tillers with additional facilities for irrigation and so the potential for the same has expanded

The Block-wise and Activity-wise allocations of the various investments under Farm Mechanisation sector during the year 2005-06 are indicated in Annexure-I.

3.3.4 Review of Ground Level Credit

(i) The Annual Credit Plan targets and flow of institutional credit for financing of farm machinery and other agricultural equipment for the last three years are as under :-

( P= Physical Units F= Bank Loan in Rs. lakh )

Activity

 

Annual Credit Plan targets

Disbursements

 
   

2001-02

2002-03

2003-04

2001-02

2002-03

2003-04

Tractor

P

337

375

368

195

468

53

 

F

796.00

914.66

818.26

273.22

429.09

137.57

Power

Tiller

 

P

98

113

160

47

99

50

 

F

84.00

103.86

138.93

33.18

35.42

39.35

FM misc.

P

20

122

98

11

50

16

 

F

16.00

111.55

98.28

21.28

20.43

3.12

TOTAL

F

896.00

1130.07

1055.47

327.68

484.94

180.04

It may be observed that Annual Credit Plan envisage a substantial growth of outlay every year and the disbursements also indicate a sudden spurt of financing by the banks during the year 2002-03. However, the level could not be sustained and the credit offtake under this sector crashed to 180.04 lakhs in the year 2003-04 from that of 484.94 lakhs in the year 2002-03. This is disheartening and it does not augur well for the district. However, the target has not been achieved in any year under reference. This only indicates that there is scope for the activity to flourish and credit may be pumped in for its enhancement.

(ii) The disbursements during the year 2005-06 is likely to be around Rs. 1300.00 lakh.

3.3.5 Resource Gap

The resource gap thus works out to Rs. 1853.15 lakh only.

3.3.6 Suggested Action Points

(a) Banks

The banks may rope in the large number of small and marginal farmers by educating and motivating them for availing of loans in groups in view of the highly fragmented land holding in the district.

Banks may explore the possibilities of financing unemployed graduates from the discipline of agriculture and allied subjects for starting Agri-clinics in the rural areas. This could be of great help to the farmers of the district as they would be able to receive first hand information regarding the suitability of the machine ( tractor or power tiller)they would like to purchase, in relation to their land holding.

(b) Development Departments of Government

i)The Agriculture Dept., West Bengal Agro Industries Corporation and West Bengal State Seeds Corporation may intensify its extension efforts for propagating its developmental schemes so that the farmers can come forward for availing of the facilities offered.

ii) Practice of custom hiring of tractors and Power Tillers at a reasonable rent may be encouraged.

3.5 Forestry & Wasteland Development

3.5.1 Introduction

Birbhum district has a forest cover of about 159.68 sq. Km. which is about 3.5% of the total geographical area as against the prescribed national benchmark of 10%. As discussed earlier the red laterite soil of the district is highly acidic in nature and hence unfit for agricultural purposes. Development of wasteland requires a package of treatment which includes soil erosion control measures, erection of ground water recharging structures and suitable crop production systems.

3.5.2 Availability and gaps in infrastructure and support services

The Forest Department has since been implementing Area Oriented Fuel and Fodder Plantation Scheme from 1995-96 onwards with expenses shared by the GOI and the GOWB. During the year 2001-02, it had taken up plans to cover 35 Ha. in Bolpur block and 65 Ha. in Md. Bazar block. A large area under forest cover was taken over by the Bakreswar Thermal Power Plant Authorities. Forest Department is now implementing the Compensatory Afforestation Programme to create forest cover on the substitute land and the same is funded by the Thermal Plant Authorities. It is also understood that the West Bengal Infrastructure Development and Finance Corporation had disbursed loan to Forest Development Corporation during 1999 for increasing forest cover, creating plantations, and for strengthening forest protection system in the south-western region of West Bengal. Birbhum has a share of 150 Ha. under the said scheme. Prior to 1984, Titagarh Paper Mills used to promote afforestation projects and raise plantation involving various pulpwood species on private wastelands. The owners had to execute a long term lease against payment of yearly rent besides a share of 25% of the net sale proceeds of the logs and timber etc. produced on these lands. With the availability of improved clonal species with short gestation period of 5 - 6 years, there is improved possibility of financing the development of wasteland.

The status of non-cultivable land in the district as per the data of the Agriculture Department is as under

                                                                                                                                                (unit =ha )

Cultivable Wasteland

Fallow land

Uncultivable land

Total

5,931

5,074

2,089

13,094

3.5.3 Assessment and Phasing of the Potential in Base PLP and Rephasing on account of infrastructure changes for the year 2005-06

                                                                                                                                    ( Rs. lakh )

 

BASE PLP 2005-06

UPDATED PLP 2005-06

 

Unit

Unit Cost

PU

FO

BL

Unit

Unit Cost

PU

FO

BL

Forestry & Wasteland Development

Ha.

0.203

1,000

203.90

183.51

Ha.

0.25

140

35.00

31.50

Plantation

         

ha

0.37

90

33.30

29.97

Total

                 

61.47

The Block-wise and Activity-wise allocations of the various investments under this sector during the year 2005-06 are indicated in Annexure-I.

3.5.4 Review of Ground Level Credit

(i) The Annual Credit Plan targets and ground level credit flow for the last three years are as under :- 

                                                                                                                            (P=Nos.) (Rs.lakh)

Activity

 

ACP Target

Disbursement

 
   

2001-02

2002-03

2003-04

2001-02

2002-03

2003-04

Forestry

P

-

-

50

-

-

34

 

F

-

-

1.75

-

-

4.84

Total

F

   

1.75

   

4.84

The agency wise break up of the Ground Level Credit for the year 2003-04 is as under:

Commercial Banks

1.11

RRB

3.73

DCCB

0

PLDBs

0

Total

4.84

(i) It is observed that the Annual Credit Plans prepared by bank branches over the years do not have any separate or individual target for any activity under this sector. This indicates that there has not been any perceptible demand for institutional credit for development of this sector and accordingly no credit has since been disbursed.

(ii) Thus it may not possible to make any comments and/or observation in regard development of forestry and wasteland with the help of bank credit.

3.5.5 Resource Gap

The Annual Credit plan prepared by the banks have not allocated any fund for this sector during the last two years. However for the year 2004-05 a target of Rs 47.25 lakhs have been indicated. It is expected that at least this year some disbursements would be made. Therefore the ground level credit flow may be to the tune of Rs 15.00 lakhs during the year 2005-06. The resource gap worked out would thus stand at Rs.46.47 lakhs.

3.5.6 Suggested Action Points

(a) Banks

Banks may welcome proposals for disbursement of loan for development of this sector sponsored by various nodal departments viz., Agriculture Department, Soil and Water Management, Forest Deptt., and other corporate entities like West Bengal Pulpwood Development Corporation.

(b) Development Department of Government

The aforesaid nodal departments may undertake intensive extension/ publicity work to spread awareness and motivate private individuals and organisations to participate in the afforestation programme as well as cultivation of medicinal herbs on commercial lines with the help of bank credit.

Farmers may be encouraged to take up farm forestry schemes and avail of institutional credit for this purpose.

3.6 Animal Husbandry

3.6.1 Introduction

Animal Husbandry covers a wide area mostly comprising of dairy farming activities, calf rearing, poultry and rearing of small animals viz., goat, sheep, pig and rabbit etc. The importance of this sub-sector should not be overlooked as these activities are undertaken as a subsidiary occupation. In fact the very nature of these activities allows one to undertake AH activities as such and yet it provides an important source of employment and income. Besides this, the sub-sector acts as an important source of protein food and enriches the district through a variety of food like meat, milk and milk products and other by-products.

3.6.2 Availability and gaps in infrastructure and support services

 

The office of the Deputy Director of Animal Resources Department organises and supervises various govt. schemes on dairy development, treatment and vaccination of both big and small animals and poultry birds. Besides it also conducts through its nodal wings seminars, group discussions and sandhya baithaks for creating awareness among the rural people and for motivating them to take up various activities under this sector for improving their economic condition. It also provides necessary support services for carrying out AI programme with a view to improving the gene pool of the local bovine population. The number of AI performed is increasing every year.. The AI performed during 2002-03 and 2003-04 were 32482 and 34477 respectively. The dairy unit located at Sian has now been taken over by Mayurakshi Milk Union and they have started marketing milk in pouches under the brand name Benmilk. The installed capacity of the dairy at present is 4000 litres per shift and at present is running on full capacity. A chilling plant is coming up at Kotasur which would cater to the Milk Producers Cooperatives in Mayureshwar and adjoining Rampurhat blocks. There is a need to install a chilling plant at Nalhati block so as to cover blocks in the north of Birbhum. There has not been any withdrawal or curtailment in the infrastructural facilities and support services provided by the Animal Resources Directorate to the people in the district. The Directorate caters its services for the benefit of the people through various veterinary units as under :-

 

Sl. No.

Type of Veterinary Institute

Physical nos.

1

District Animal Health office

1

2

State Level Animal Health Centre (SAHC)

7

3

Block Livestock Development Centre

19

4

Animal Health Centre ( Block level & Additional Block Level )

36

5

Mobile Animal Health Centre

5

6

Animal Development Aid Centres at GP level

141

7

Animal Pathological Laboratory

3

8

Animal Diseases Research & Pathological Laboratory

1

9

Animal Parasite Control Centre

1

10

Central Drug subcentre

1

11

Cow-pox eradication programme

3

In order to sustain development of various activities under the Animal Husbandry sector, the Animal Resources Directorate will have to provide support services for prevention and treatment of diseases, nutrition, improvement of local breed through induction of new gene pool by way of Artificial Insemination, awareness building and motivational programme for the farmers and marketing support for animal products particularly milk and milk products. Veterinary hospitals should be operating at the block level and these are required to be supplemented with mobile clinics manned by qualified technical and non-technical staff. The Department may endeavour to form Livestock Development & Marketing Society in each block from amongst the active livestock breeders so as to provide assured marketing channel to village breeders. At present Mayurakshi Milk Union operates two milk routes covering a total distance of 295 kms. to collect milk from 26 pouring Milk Producers Cooperative Societies enroute. The present collection is around 4000 lpd which is processed at the Dairy plant located at Sian. The local demand is around 500 litres per day and the same is marketed in half-litre polythene packs and the balance is despatched to Mother Dairy, Dankuni in insulated tankers. The Mayurakshi Milk Union has to organise Milk Producers Cooperative Societies on a large scale and induct a large number of good quality milch animals into the district by arrangement with established dairy farms or reputed cattle dealers. In order to sustain the dairy movement in the district, artificial insemination with frozen semen has to be made a success. Under the National Project on cattle and Buffaloe breeding (NPCBB), the state government has set up Paschim Banga Go-Sampad Bikas Sanstha (PBGSBS) as State Implementing Agency (SIA). For achieving the main objective of the project covering all breedable bovines under AI is sought to be achieved through lay inseminators popularly known as "Prani Bandhu" or barefoot veterinary doctors. These entrepreneurs which are attached to 119 out of 167 Gram Panchayats in the district.The balance Gram Panchayats should also have the services of these barefoot doctors. Besides their core function of giving doorstep AI service to farmers, these doctors are required to attend to the emergency and first aid needs of the animals and birds in their area for which they have been appropriately trained by the PBGSBS. Castration is also one of the important activities of Prani Bandhu.

As per the livestock Census of 2003, the block wise population of animals are as under:

Block

Cattle

Buffalo

Sheep

Goat

Pig

Foul

Duck

Suri I

28610

1251

6103

18635

3549

61311

23781

Suri II

26481

2169

11573

15701

1426

38400

39227

Md.Bazar

61366

3388

19463

32730

10743

101681

36597

Rajnagar

39923

2120

8959

16082

2662

470557

25831

Khayrasole

53566

4161

5346

25962

426

45370

23740

Dubrajpur

66140

5738

14373

41210

3155

105790

64255

Sainthia

70208

5885

19137

51867

6003

121112

105841

Bolpur

62866

6481

8636

40510

4659

108099

67094

Labpur

70283

5370

12990

41971

2732

90900

79900

Nanoor

85483

7393

17505

57899

2590

124173

115710

Illambazar

51091

4693

5402

42425

2149

162960

112187

Mayureswar I

47256

2053

7859

30544

2400

72091

132438

Mayureswar II

44673

853

3364

27291

1804

50089

101106

Rampurhat I

84641

3868

21059

56640

7694

118984

192591

Rampurhat II

54376

1895

9590

42906

118

92298

163325

Nalhati I

53340

1538

3503

50717

3211

130507

205353

Nalhati II

24693

1564

2166

32926

105

108054

155345

Murarai I

32324

3162

2687

36121

6902

106379

177773

Murarai II

42281

3277

6565

65969

118

92298

300042

Total

999601

66859

186280

728106

62446

2201053

2122136

Fodder and Feed

The organised Green Fodder cultivation is not practised to the desired extent. As per data avialable 118619 cottahs of land is being used for the same. The district has 567 Ha of Pasture land. There is a gap in requisite infrastructure for fodder preservation under Dairy Development. The District is self sufficient in the production of concentrate feed.

The requirement of Veterinary Institutes /dispensaries,First Aid centres etc. as against the existing availability has been calculated as under.

Health Care Institutes

       

Existing

 

Requirement

 

Veterinary Institute 62

 

 

Total no.

Adult units

GP level Animal Development Aid Centre (ADAC)

141

 

Adult cattle/buffalo

633711

633711

Pathological labs

4

 

Calves/heifers

432900

216450

 
     

Goats/sheep

1314387

131439

 
     

Pigs

57680

11536

 
     

Birds

3579929

35799

 
     

Total Adult Units

 

1028935

 
             
 

Vet Institutes required

1 per 7500 AU =

 

137

 
 

Vet first aid/AI centres

I per 2500 AU =

 

412

 

The veterinary institutes will also include mobile Animal Health Centre(five) plus District Institutes Health Centre one attached to District Animal Health office.

It is observed from the data as above that there exists Long Term Potential for setting up of 75 Veterinary Institutes and about 250 Private AI Centers, spread out in 5 years. All these units can come through setting up of private veterinary clinics. As regards AI Centres all such units can come through the Prani Bandhu of PBGSBS. At present the district has 119 active Prani Bandhus.

In order to achieve a level of success and sustainability in carrying out the plans as stated above, the following requirements of the department come to the foreground.The expenditure incurred for such requirements can be obtained from the RIDF of NABARD.

MILK PRODUCERS COOP. SOCIETY

ITEM

ESTIMATED COST (Rs)

Milk Collection SS cans - 10 Nos @Rs.2000/- per can

20000.00

Milk Testing Equipments

7000.00

Milk Tester equipments

3000.00

Total

60000.00

 

Establishment of BULK COOLERS ( SURI - 1)

ITEM

ESTIMATED COST (Rs)

Civil Construction - existing cooler for rep[airing and renovation

500000.00

Unit of 4000 ltrs. Capacity in exchange of defunct plant of 2000 ltrs

1500000.00

Total

2000000.00

Establishment of BULK COOLERS ( Nalhati I)

ITEM

ESTIMATED COST (Rs)

Civil Construction with elctrification & water supply arrangements

1200000.00

Unit of 4000 ltrs capacity

1800000.00

Total

3000000.00

Engagement of Additional Pranibandhus

ITEM

ESTIMATED COST (Rs)

Equipments - Croycan - BA 7 & other accessories

15000.00

Total

15000.00

Incentive to existing Pranibandhus

ITEM

ESTIMATED COST (Rs)

Burdizzo Castrator

12000.00

Total

12000.00

Modernisation of disease Investigation Laboratory

ITEM

ESTIMATED COST (Rs)

Equipments - Bacteriological Incubator, Laminar flow, High power Microscope, Electronic Balance, Cold Room, Centrifugal machine, Hot air oven, Kits etc. Repair, renovation and new purchase

500000.00

 

500000.00

Equipments to Animal Health centres

ITEM

ESTIMATED COST (Rs)

Equipments - domestic Freeze of 500 ltrs capacity for vaccines & biological materials

25000.00

Total

25000.00

Development of Modern Hatchery Complex

ITEM

ESTIMATED COST (Rs)

Civil Construction - 3000 sq ft. Rs 500/- per sq ft

1500000.00

Equipment and machinery (LS)

1000000.00

Total

2500000.00

3.6.3 Assessment and Phasing of the Potential in Base PLP and Rephasing of Potential on account of infrastructure changes for the year 2005-06 ( Rs. in lakh )

Item

BASE PLP 2005-06

UPDATED PLP 2005-06

 

Unit

Unit Cost

PU

FO

BL

Unit Cost

PU

FO

BL

Indigenous Cows

(improved)

two

0.070

2195

165.86

149.28

0.16

1500

240.00

216.00

Crossbred Cows

two

0.203

426

86.50

77.85

0.28

700

196.00

176.40

Buffalo

two

0.203

410

83.53

75.18

0.39

450

175..50.

157.95

Heifer rearing

one

0.080

1650

132.46

119.21

0.08

2000

160.00

144.00

Poultry- Layer birds

200 birds

0.003

5240

16.14

14.52

0.4

1000

400.00

360.00

Poultry- Broiler birds

100 birds

0.006

18121

121.00

108.90

0.64

500

320..00

288.00

Sheep rearing

10+2

0.008

3359

29.07

26.17

0.11

600

66.00

59.40

Goat rearing

10+1

0.016

15108

241.28

217.15

0.17

600

102..00

91.80

Piggery

3+1

0.082

2193

181.70

163.53

0.32

500

160.00

144.00

Vet . Clinic

         

0.2

16

3.20

2.88

AI Centre

         

0.2

50

10.00

9.00

TOTAL

     

1057.54

951.79

   

1832.70

1649.43

The Block-wise and Activity-wise allocations of the various investments under the Animal Husbandry Sector during the year 2005-06 are indicated in Annexure-I.

3.6.4 Review of Ground Level Credit

  1. The Annual Credit Plan targets and ground level credit flow for the last three years are as under :-

( P = Physical units in nos. ) ( F = Bank loan in Rs. Lakh )

Activity

 

ACP Targets

Disbursement

 
   

2001-02

2002-03

2003-04

2001-02

2002-03

2003-04

Local Cows

P

1204

1322

1309

214

641

394

   

F

114.76

139.40

159.58

34.19

79.93

105.76

CB Cows

P

-

-

-

-

-

 
   

F

-

-

-

-

-

 

Buffaloes

P

8

-

10

11

8

16

   

F

1.80

-

1.00

1.73

2.03

2.86

Calf rearing

P

153

122

126

10

23

86

   

F

18.21

12.98

13.01

0.45

6.78

27.69

Layer unit

P

 

-

518

1

2

1

   

F

101.00

-

3.04

0.50

0.59

0.10

Broiler unit

P

0.5

828

9

434

23

217

   

F

5.20

7.50

4.10

3.03

14.15

5.21

PF Misc

P

-

-

114

   

36

   

F

-

-

7.18

   

1.93

Goat

P

485

720

488

84

109

183

   

F

12.01

23.99

23.26

4.36

17.75

10.96

Piggery

P

182

251

151

10

16

121

   

F

2.55

7.03

3.47

1.70

2.63

8.24

Sheep

P

52

75

83

5

-

16

   

F

0.38

0.60

2.28

0.44

-

1.48

SG Misc.

P

244

206

312

140

45

268

   

F

15.17

13.09

24.62

3.80

6.69

39.29

Grand Total

F

271.08

204.59

241.54

50.20

130.55

203.52

P = Dairy Development in nos; Layer / Broiler in unit of 200 /100 birds; Goat in unit of 10+1; Piggery in unit of 3+1; Miscellaneous (Sheep/ Duckery/ Rabbit) in unit of 10+2.

It may be observed from the above table that the banks did not have a perspective business plan for the sector inasmuch as the ACP outlay for the sector as a whole followed a crest and trough pattern over the period under review and the individual sub-sectors are no exception. Insofar as disbursements are concerned the same are at best inconsistent and the performance of the individual bank does not exhibit any trend although the disbursements show an increasing trend over the years.The disbursements during the year 2003-04 works out to 84.25 % against the target which may be termed as satisfactory in the given circumstances.

(ii) The unsatisfactory scenario emanating from the aforesaid data may not be allowed to continue for long as it will aggravate the sectoral and regional imbalances. The Animal Resources Department may have to initiate corrective measures immediately to arrest this trend and bring about positive signals to induce growth and development of the sector. In the given circumstances and with concerted efforts,especially in view of the quantum jump recorded in the disbursements during the year 2002-03 and the somewhat good performance in the year 2003-04, it is expected that the credit flow for the year 2005-06 may be estimated to be around as under: ( Rs.Lakhs)

Dairy

300.00

Poultry

200.00

SGP

150.00

Total

650.00

3.6.6 Resource Gap

The resource gap thus works out to as under :

Dairy

394.35

Poultry

448.00

SGP

145.20

Veterinary Clinics

11.88

Total

999.43

3.6.7 Suggested Action Points

(a) Banks

Banks have a pivotal role in the formulation of service area plan wherein adequate provisions may be made for directing credit flow commensurate with the demand for various activities under this sector.

Banks may also develop some initiative for identifying prospective beneficiaries outside the purview of poverty alleviation programmes.

(b) Development Departments of Government

Animal Resource Department and PBGSBS have to draw up a perspective plan for comprehensive development of all the sub-sectors under its purview keeping in view that the credit flow to the sector as a whole is dwindling over the years.

The nodal departments have to launch massive extension work to create awareness and motivate prospective borrowers to undertake animal husbandry activities with institutional credit.

The nodal departments have to arrange for procurement and supply of improved varieties of milch cattle, poultry birds and small animals in adequate numbers in the district .A massive campaign may be launched amongst the rural populace to undertake production of green fodder. The assistance and expertise of farmers who are already on the job can be availed of for the purpose. For that supply of seeds in respect of seasonal and pereneial grasses may be kept uninteruppted.

The nodal departments will have to increase the animal health care facilities and also take these services to the far flung areas of the district by introducing more number of mobile clinics/ Prani Bandhus.

The nodal department can contribute towards self-employment by training the unemployed youth in the rural areas to work as barefoot veterinary doctors to ensure that the breeding, emergency and first aid treatment are available at every village in the district.

Green fodder is the easiest natural means for feeding of animals economically and ensure general health, high production and breeding performance of the animals. Therefore the Department may launch a massive campaign amongst rural families for producing green fodder at least to the extent of their captive need if not for commercial sale to others.

3.7 Fisheries

3.7.1 Introduction

Birbhum district has immense scope for undertaking different activities under the inland fisheries sector. It has a water spread area of about Ha including khals, beels, rivers and canals of which tanks and ponds alone constitute about 17271 Ha. of water area. The development of pisciculture through institutional credit is mostly confined to fish culture in tanks and ponds and as per available data approx. 33% of the aggregate water area is under private ownership.The activities in this sector are netting/ capture of fish from ponds/ rivers/ canals/ khals and beels, fish vending, intensive cultivation of fish in ponds, fabrication and repairs of fishing net, supply of fish seeds and fingerlings and other support services.

3.7.2 Availability and gaps in infrastructure and support services

The various types of water bodies available in the district including their respective water area having potential for pisciculture is indicated below :-

(Area in Ha)

Type of water body

Total area

Under private ownership

Area brought under culture as on 31.3.2004

Culturable Pond

14834

11918

10294

Semi-derelict Pond

4798

3855

3,329

Derelict Pond

1745

1402

1,211

21377

17175

14,834

Rivers ( 10 in nos. )

7995

-

NA

13139.00

NA

Reservoirs[ Barrages ]

13139

Canals

5696

-

TOTAL

69584

 

There are six hatcheries ( Hatsarandi,Hatttikra, Gopalpur, Kushmore, Junitpur and Purbagopalpur) run by private individuals. Fingerlings are procured from these hatcheries by the fishermen themselves as well as Birbhum District Central Fishermen Cooperative Society and also from markets outside to meet the demand of the district. There are 3 nurseries and four markets viz. at Suri,Bolpur, rampurhat and Dubrajpur. The Production and Demand for Spawn, Fry, fingerling in the district are given as under.

( In million)

 

Spawn

Fry

Fingerling

Total

Production

340

65

25

430

Demand

400

100

45

545

         

It may be seen from the above that the demand exceeds the production and inorder to meet the demand the Fisheries Directorate and the FFDA arranges to procure from markets outside the district. The District Planning Committee approves funds for, amongst other purposes, distribution of mini kits and water conditioners, expansion of extension activities, training of fish farmers and fisher women, womenfolk of fishermen community for fabrication of nets and field day educational tours, transportation cost of fish seeds and fingerlings, development of ponds/ tanks and subsidy-linked bank loan scheme for undertaking tank/ pond fishery by individuals. The District Fisheries Office maintains two Laboratories at its headquarters to help the fish farmers find out the quality of the soil and water of the fish ponds and take appropriate corrective measures.

Supply of inputs and requisite marketing support i.e., backward and forward linkages are the most vital links in the successful implementation of any project. Availability of fish seeds/ fingerlings can be ensured if hatcheries, established either by the Fisheries Department or by private individuals are operating in the district. Insofar as marketing support is concerned, a marketing network covering the main market places in the district as well as those in the adjoining districts will be of immense help to the fishermen in the district. An assessment has been made and the requirement of the district as far Fisheries are concerned are detailed as under. The requisite funds can be obtained by the state Government from the RIDF of NABARD.

( Rs. Lakhs)

ITEM

 

ESTIMATED COST

Hatcheries (10 Nos)

Various blocks

70.00

Ice Plants ( 2 units ) $

Rampurhat and Suri

100.00

Cold Storage * (2 units)

Dubrajpur and Nalhati

500.00

Fish seed Plant #

Md.Bazar

30.00

Mobile Laboratory (19) @

All Blocks

3.80

   

703.80

 

$ Each 100 MT capacity.

* 5000 MT istorage capacity is required per 20% of demand

# Storage capacity about 6000 Quintals

@ Can be carried by the FEO to the pond of the farmer/farmers for on the spot testing.

 

The district does not possess large water bodies (capacity of 20 ha or more). Most of the fisherires department work is carried out in the small ponds. There is the Bakreshwar reservoir meant for the thermal power station, but the fisheries department is not fully involved in fish culture in that reservoir. The department only provides consultancy services. The culture and harvesting is done by the Thermal Power station authorities. There are two Government Farm Pond at Senerbhand, Rampurhat (15 ha) and ballavpur, Bolpur (19ha). Both are at present lying unutilised. The Department may settle the issue after discussions with the Zilla Parishad. These farm ponds could be utilsed by the Department as demonstration farms.

 

3.7.3 Assessment and Phasing of the Potential in Base PLP and Rephasing of Potential on account of infrastructure changes for the year 2005-06

( Rs. in lakh )

Item

BASE PLP 2005-06

 

Unit

Unit Cost

PU

FO

BL

Pisciculture

Ha

0.978

234

228.96

206.06

 

Item

UPDATED PLP 2005-06

 

Unit

Unit Cost

PU

FO

BL

Pond Fishery @

Ha.

0.85

200

170.00

153.00

Poly culture

Ha.

0.68

180

122.4

110.16

Working Capital for Pisciculture ST loan

ha *

0.15

250 ha

37.50

33.75

     

TOTAL

 

329.9

296.91

 

*Unit Area as taken in Birbhum district .( source FFDA)

@ Average Unit cost based on weighted average of model 2 and 3 involving earth excavation of 0.2 m and 0.3 m respectively.

The Block-wise and Activity-wise allocations of the various investments under this sector during the year 2005-06 are indicated in Annexure-I.

3.7.4 Review of Ground Level Credit

(i) The Annual Credit Plan targets and ground level credit flow since 2001-02 are as under :- ( Rs. lakh )

Activities

 

ACP Targets

Disbursements

 
       

2001-02

2002-03

2003-04

2001-02

2002-03

2003-04

Fish Culture

P

235

484

528

198

141

117

     

F

34.93

69.60

75.17

23.43

41.92

30.20

Poly Culture

P

-

-

 

-

-

 
     

F

-

-

 

-

-

 

Intensive

Carp Culture

P

-

-

 

-

-

 
     

F

-

-

 

-

-

 

Others

P

111

258

310

26

60

27

     

F

15.96

17.50

45.12

6.52

13.33

5.30

TOTAL

F

50.89

87.10

120.29

29.95

55.25

35.50

 

It may be observed that though the target has not been achieved in any of the years under review, yet the plan outlay as well as the disbursements exhibit a rising trend.

(ii) Based on the inclination of the bank branches to disburse loan for pisciculture, the keen interest shown by the FFDA officials in development of pisciculture in the district and the sudden jump in the target for the year 2004-05 it may be presumed that the disbursements under this sector would be around Rs. 100.00 lakh.

3.7.5 Resource Gap

The resource gap would be to the extent of Rs. 196.91 lakh only.

3.7.6 Suggested Action points

(a) Banks

Banks may disburse loans keeping in view the targets fixed and take advantage of the cooperation extended by the officials of the FFDA for identification of beneficiaries and recovery of earlier loans. Potential entreprenuers may be identified and ST fisheries loan may be given.

(b) Development Departments of Government

FFDA may arrange to provide adequate extension services in each block and motivate new borrowers.

The Directorate may initiate suitable steps for resolving the problems associated with multiple ownership of tanks and oral lease.

3.8 Storage Godown and Market Yard

3.8.1 Introduction

The district is basically agriculture oriented with around 2.52 lakh holdings below the size of 1 acres and another 0.90 lakh holdings between 1-2 acres. In the aggregate these constitute about 91% of the total land holdings and cover about 60% of the total cultivable area in the district. Distress sale of agricultural produce by the farmers at crumbling prices during the peak harvest season over the years have led to development and strengthening of post-harvest facilities like construction of cold storage, traditional storage facilities viz., godowns and market yards and creation of this facility in a district where lot of trading activities take place in the agricultural produce helps the farmers in a big way.

3.8.2 Availability and gaps in infrastructure and support services

The Agriculture Marketing Office infrastructure in the district is headed by one District Agriculture Marketing Officer (DAMO) based in Suri and one SDAMO each looks after the interest of each sub divisional office. Besides, there is one Market Level Worker in each of the seven main markets in the district. The department had plans to establish three Principal Market Yards, one each in the three subdivisions of the district. However due to land acquisition constraints in Rampurhat, only Bolpur and Suri could be opened. These will be supported by block wise or sub-Market Yards which at present are seven in number. Besides, the department manages four market yards in Bolpur and have plans for promoting such market yards in various potential centres in the district. The department is the licensing authority for cold storage and warehouses offering services to the public. In addition to the aforesaid job, the department has some developmental/ promotional schemes mainly to help the small and marginal farmers - disbursement of 50 % subsidy towards cost of bullock cart and van rickshaw fabricated in a specific design and for construction of scientific store for grains i.e Golaghar. The department also conducts awareness camps on scientific methods of storage and problems of marketing faced by the farmers in the villages in all the sub divisions of the district.

At present the storage capacity available to the farmers and cultivators for storing their produce aggregates to 162500 M.T. in 13 warehouses and round about 0.70 lakhs to 1.00 lakh Quintals each of the 15 Cold Storage located in various parts of the district. There are three Regulated Market Yard - one in each subdivision. Storage facility of 1 M. T. is presently available in the RMYs . As of now all the Cold Storage are used for potato but a proposal for a new multipurpose Cold Storage at Illambazar area which was mooted earlier has now been shelved. It is understood that adequate storage/ cold storage facility is not available in the Rampurhat belt and by a rough estimate the deficit could be around 20000 M.T. The Department has already made plans to establish such plants in that area and are now awaiting entrepreneurs for the purpose. The Departments proposal was to construct 3 Cold Storage's in Rampurhat and 1 at Illambazar. This would be sufficient for the present taking into consideration that land holdings are fragmented and the majority consists of marginal and small farmers and Potato is the only crop which is grown in surplus of it consumption and requirement. Therefore the need arises for such surplus production to be stored so as to avoid distress sale by the farmers.

Besides these there are a large number of captive storage facilities - at least one with each of the Primary Agricultural Credit Societies (SKUS) and Primary Agriculture Marketing Societies for storing the stock of grains, fertilisers and pesticides sold by it as well as for stocking the produce pledged by its members. And now fresh assistance is available from NCDC through Birbhum DCCB under Intensive Cooperative Development Programme (ICDP) for augmentation of this capacity by construction of new storage godowns or augmentation of the capacity of the old ones at the SKUS level.

3.8.3 Assessment and Phasing of the Potential in Base PLP and Rephasing of Potential on account of infrastructure changes for the year 2005-06 ( Rs. in lakh )

Item

BASE PLP 2005-06

UPDATED PLP 2005-06

 

Unit

Unit Cost

PU

FO

BL

Unit

Unit Cost

PU

FO

BL

Multipurpose Cold Storage

Nos.

0.00

0

0.00

0.00

Nos.

450.00

6

2700.00

1350.00

Cold Storage for potatoes

Nos

0.00

0

0.00

0.00

Nos

250.00

4

1000.00

500.00

TOTAL

     

0.00

0.00

     

3700.00

1850.00

The Block-wise and Activity-wise allocations of various investments under this sector during the year 2005-06 are indicated in Annexure-I.

3.8.4 Review of Ground Level Credit

(i) The Annual Credit Plan targets and ground level credit flow for the last three years are as under :- (P=Nos.) (Rs.lakh)

Activity

 

ACP Target

Disbursement

 
   

2001-02

2002-03

2003-04

2001-02

2002-03

2003-04

Storage / Market yard

P

-

-

38

3

3

9

 

F

-

-

2.60

0.48

10.30

1221.20

Others

 

P

332

-

18

1

122

88

 

F

43.49

-

5.00

1.25

17.36

22.46

Total

F

43.49

0.00

7.60

1.73

27.66

1243.66

It may be observed that the credit flow in the district for creation of storage facilities is insignificant. In fact the plan outlay also does not reflect that there is any serious demand for credit for creation of new storage facilities either in the private or the cooperative sector. The disbursements in the year 2003-04 registered a quantum jump. But the figures are in no manner reflecting on the performance of Birbhum district. Allahabad Bank had disbursed an amount of Rs.11.00 crore approx. for 6 cold storage units at Midnapur from its branch at Bolpur. It is pertinent to mention that the ground realities are otherwise and the cultivators/ farmers continue to suffer huge losses each year as they have to resort to distress sale of their produce at the farm gate to the agents/ brokers/ middlemen for lack of adequate scientific storage facilities within proximate distance. Insofar as the inclination of the banks is concerned it would be appropriate to state that this has not yet been put to real test.

(ii) Though the analysis does not reveal any trend or bias it may be assumed that fund will not be a constraint for this activity.

3.8.5 Resource Gap

There will be no resource gap and the entire amount will be disbursed by the financing bank. A quick study revealed that banks are not availing of refinance from NABARD and as such the 25% subsidy portion which can be passed on to the entrepreneur is not taken care of. The same is however presumed and accordingly the bank loan has been worked out.

3.8.6 Suggested Action Points

(a) Banks

The banks will have to identify prospective borrowers who will be willing to set up storage facility on a commercial basis and liberally finance such projects.

(b) Development Departments of Govt.

The nodal department will have to undertake extensive survey work to identify pockets/ sites where such storage facility is required and is feasible.

The nodal department should intensify its farmers/ cultivators awareness programme to create a demand for storage facilities in the remote areas of the district particularly where distress sale is predominant. Prospective entrepreneurs may be sought out and with proper guidance and leadership the said entrepreneurs,

3.9 Non Conventional Energy Sources/ Biogas

3.9.1 Introduction

Biogas is of great importance in the unelectrified or power deficient rural area as a form of renewable source of alternative and eco-friendly energy that has dual application as fuel for lighting as well as cooking. Thus it not only saves electricity but acts as a conservator of electricity also. Bio-gas is normally produced from cattle dung and the large cattle population in Birbhum district provides ample scope for installation and use of bio-gas plants. However, where minimum quantity of dung is not available in a single household to operate a plant, a number of households can form a group for the purpose or a bigger plant may be operated on a community basis. Further the hesitation on the part of the uninformed rural folk to divert the dung for other than traditional use is also unfounded inasmuch as the decomposed slurry from the bio-gas plant is a better quality manure as compared to the raw dung.

3.9.2 Availability and gaps in infrastructure and support services

The DIC is the nodal agency for the implementation of the programme and they are providing technical guidance for installation of the biogas plants. But the main constraints are availability of trained mason and post-installation service. Raw materials like bricks, cement, steel etc., are available without any difficulty. The implementation of the programme is monitored by industrial extension officers of the DIC and subsidy is released to the plant owners only after commissioning of the plant.

 

3.9.3 Assessment and Phasing of the Potential in Base PLP and Rephasing of Potential on account of infrastructure changes for the year 2005-06 ( Rs. in lakh )

Item

BASE PLP 2005-06

UPDATED PLP 2005-06

 

Unit

Unit Cost

PU

FO

BL

Unit

Unit Cost

PU

FO

BL

Biogas plants

3 cum

0.06

950

57.00

48.45

3 cum

0.07

1,000

70.00

63.00

The Block-wise and Activity-wise allocations of the various investments under this sector during the year 2005-06 are indicated in Annexure-I.

3.9.4 Review of Ground Level Credit

(i) The Annual Credit Plan targets and ground level disbursements are as under :- ( P= Physical units in nos. F= Bank loan in Rs. lakh )

   

Annual Credit Plan targets

Disbursements

   

2001-02

2002-03

2003-04

2001-02

2002-03

2003-04

Biogas

P

2

0

88

8

0

1

 

F

0.14

0

24.69

2.1

0

0.32

 

It may be observed that neither the plan outlay nor the disbursements there under exhibit any particular trend. Electricity connection is readily available in the villages and this has induced the rural people to shun biogas. This is further accentuated by the low key/ absence of biogas promotional programmes. This has resulted in biogas plants attaining an ornamental status far less than that of any real utility in the minds of the rural poor. Thus the scope of installing a biogas plant with the help of bank loan receeds further. The banks are also not in a position to promote such activities in the absence of promotional efforts on the part of the nodal agency. The DIC of late has not been sponsoring cases to the banks. 50% of the cost is now being subsidised and the same is disbursed directly to the beneficiaries through their IPOs.

(ii) Keeping in view the above discussions it is estimated that the credit flow during the year 2005-06 may be about Rs. 2.00 lakh.

3.9.5 Resource Gap

The resource gap works out to Rs. 61.00 lakh.

3.9.6 Suggested Action Points

(a) Banks may try to motivate its borrowers who have earlier availed of loan for milch cows/ dairy unit to instal biogas units with bank loan.

(b) Efforts may be made by the nodal agency to train adequate number of masons for installation of new plants as well as rectfication of the defective and/ or old units.

DIC may have to launch biogas promotional programmes afresh and exclusive officials may be posted to look after the biogas programme.

3.10 Other Allied Activity

( Bullock. Bullock Cart etc. )

3.10.1 Introduction

The district is basically agriculture oriented with around 2.25 lakh holdings below the size of 1 acres and another 0.90 lakh holdings between 1-2 acres. In the aggregate these constitute about 89% of the total land holdings and cover about 60% of the total cultivable area in the district. These small and marginal farmers essentially depend on bullocks and bullock carts for various agricultural operations as also transportation of inputs from and produces to the market place as purchase of tractor is neither feasible nor economical for them individually .

3.10.2 Availability and gaps in infrastructure and support services

The basic infrastructure for maintenance of animals i.e., veterinary facility, fodder, feed and that for the repair and maintenance of the farm equipments etc.are met by the Animal Resiurces Department.There has not been any withdrawal or curtailment in the infrastructural facilities and support services provided by the Animal Resources Directorate to the people in the district. The Directorate cater to its services for the benefit of the people through various nodal wings.

3.10.3 Assessment and Phasing of the Potential in Base PLP and Rephasing of Potential on account of infrastructure changes for the year 2005-06 ( Rs. in lakh )

Item

BASE PLP 2005-06

UPDATED PLP 2005-06

 

Unit

Unit Cost

PU

FO

BL

Unit

Unit Cost

PU

FO

BL

Bullock Cart with bullocks

Cart with two bullocks

0.17

2500

429.00

364.65

Cart with two bullocks

0.16

4500

720.00

648.00

Bullocks alone

Nos.

0.07

4250

318.75

270.94

Nos.

0.14

9000

1260.00

1134.00

TOTAL

     

747.75

635.59

     

1980.00

1782.00

The Block-wise and Activity-wise allocations of the various investments under this sector during the year 2005-06 are indicated in Annexure-I.

3.10.4 Review of Ground Level Credit

(i) The Annual Credit Plan targets and ground level credit flow for three years for the last three years are as under :-

                                                                                                                    (Phy=Nos.) (Rs.lakhs)

Activity

 

ACP Target

Disbursement

 
   

2001-02

2002-03

2003-04

2001-02

2002-03

2003-04

Bullock

P

426

329

373

49

130

624

 

F

34.63

27.90

53.18

4.01

32.13

43.88

Bullock cart

P

610

576

685

195

215

171

 

F

64.65

63.43

79.60

36.35

36.89

25.88

Others

 

P

332

691

1094

206

433

862

 

F

43.49

200.96

304.99

29.81

110.62

139.08

Total

F

142.77

292.29

437.77

70.17

179.64

208.84

 

It may be observed that the plan outlay for various investments under this sector shows an increasing trend eventhough there is a perceptible shift in the preference of the farmers in favour of efficient mechanical devices. At the same time it is baffling the analyist to ascertain the reason of recording such a jump in the disbursement figures during the year 2002-03.

Insofar as the performance of the banks are concerned it may be said that there appears to no bias in favour or against disbursing loan for this sector.

(ii) Based on the above discussions and also the decent performance of the district under this activity during the year 2003-04, it may be stated that the estimated credit flow for the year 2005-06 would be around Rs. 500.00 Lakhs

( TARGET for 2004-05 = 665.14 )

3.10.5 Resource Gap

The resource gap would be to the tune of Rs. 1282.00 Lakhs.

3.10.6 Suggested Action Points

(a) Banks

Banks have to exploit the large potential for financing the various activities under this sector to the vast number of small and marginal farmers in the rural area.

(b) Development Departments of Govt.

Most of the activities under this sector are financed under govt. sponsored poverty alleviation programmes and hence the nodal deptts. may maintain close liaison with the banks for prompt disposal of the applications.

(I) Crop Loan

3.1.1 Introduction

Birbhum district is an integral part of the ‘RARH’ region of West Bengal and is characterised by red laterite soil, vast areas of barren and infertile land stretching into the horizon. However, the level of achievement by the district on the agricultural front viz., surplus production of paddy and higher average productivity as compared to the State figures in paddy, wheat, oilseeds and jute in the recent past is contrary to the common impression and speaks volumes about the scope and potential for development of this activity. The crops mainly grown in the district are paddy, wheat, maize,, soyabean, mustard, sunflower, groundnut and other oilseeds, masoor, moong, gram and other pulses, mulberry, ginger, sugarcane, onions, potato, jute, seasonal vegetables etc. Though HYV of these crops are widely grown yet farmers have a traditional outlook. This mindset largely resists any change in cropping pattern and this in turn has shown up as stagnation in production. In this context banks disbursing production credit will play an important role in changing the cropping pattern through introduction of high value crops, off-season vegetables etc., and for which it will make available adequate finance for all necessary inputs and integrate the extension services of the nodal department.

3.1.2 Availability and gaps in infrastructure and support services

Agriculture Dept. functions as the nodal agency for implementation of various state and central government programmes such as Intensive Cereal Development Programme(ICDP), Oilseeds Production Programme(OPP), Oilseeds Development Scheme, National Pulses Development Programme (NPDP), Pulses Development Scheme, and thrust is given not only to bring more area under food crops, pulses and oilseeds but also to increase its productivity. These have helped in use of efficient agronomic practices and post harvest management techniques and hence resulted in increased coverage of area and productivity.

The distribution of operational land holdings are as under :

Class

No. of holdings

Marginal

251743

small

89038

Semi Medium

27540

Medium

3690

Large

34

 

The area and production of Major Crops during the year 2003-04 are as under:

CROP

AREA (ha)

PRODUCTIVITY

Kg / ha

PRODUCTION

(Metric ton)

Paddy

330151

4349 (Avg)

1435826

Wheat

38750

2739

106136

Pulses

27314

704 (Avg)

19233

Oilseeds

34342.32

1,057

36313.46

Vegetables

33812

-

350383

Potato

18935

20967.95

397029

 

The population of the district is approximately 3153349 . The requirement of food per head per day are as under:

Cereal

a) Rice

b) Wheat

 

306 gms

150 gms

Pulses

35 gms

Oil

18 gms

Potato

150 gms

Vegetables

100 gms

Fruits

100 gms

The Gross food requirement and total production in the district is given as under :

CROP

CONSUMPTION

(mt)

REQUIREMENT (mt)

PRODUCTION (mt)

REMARKS

Rice

352197

592,683

1,435,826

Surplus - 62% of production

Wheat

172645

71,352

106,136

Deficit - 40% of requirement

Pulses

40284

22,280

19,233

Deficit - 53% of requirement

Oilseeds

51793

16,338

36,313

Deficit - 31% of requirement

Potato

172646

192,199

397,029

Surplus - 48% of production

Vegetables

115097

235,286

350,389

Surplus - 67% of production

Fruits

115097

100,511

87,444

Deficit - 87% of requirement

 

It may be seen from the above statements that the deficit margins in respect of wheat, pulses, oilseeds and fruits present a disturbing picture and efforts may have to be made to bridge the gap. Diversification of crops to pulses and oilseeds may have to be high on the priority list of the Department and a turnaround may be brought about at the earliest.

The supply of quality seeds, fertilizers, pesticides etc. may be ensured by the department of agriculture through the 867 fertilizer sale points ,238 seed stores and 253 pesticides sale points in the district. Further, all the 318 PACS/ SKUS distribute seeds, fertilizers and pesticides to its members purchased from BENFED. They may also distribute mini-kits procured from West Bengal State Seeds Corporation. The Agriculture Department is having under its wing many demonstration farms located in various parts of the district and through these demonstration farms training arrangement of farmers may be arranged by the Department in addition to those being sponsored by the Fertilizer and pesticide manufacturing companies. West Bengal Agro Industries Corporation and West Bengal State Seeds Corporation offers tractors, power tillers and other farm equipments for sale. Besides these, there are a number of private dealers retailing in seeds, fertilizers and pesticides.

It has been ascertained that most of these farms need upgradation as no developmental works have been taken up since long. Quality seed production are the major task through which productivity and quality can be increased to a greater extent in the district. Schemes viz. repairing of godowns, threshing floor, extending irrigation facilities, fencing of such farms can be a part of the infrastructure development activities which can be financed under RIDF programme of NABARD. The details are as under:

Sl. No

Particulars

Estimated amount (Rs.)

1

Repairing of open threshing floor of Mollarpur BSF

72965

2

Construction of cover threshing floor of Mayureswar I BSF

281077

3

Repairing of godown of Mayureswar I BSF

58261

4

Drinking water TW at Rampurhat II BSF

35620

5

Repairing of cover threshing floor of Rampurhat II BSF

41221

6

Repairing of open threshing floor of Rampurhat SARF

69303

7

Repairing of open threshing floor of Murarai II BSF

91675

8

Purchase of LW pumpset (4 nos) for SARF Rampurhat II, Mollarpur & Murarai II

77948

9

Purchase of Power Tiller for Rampurhat II BSF

105090

10

Maintenance and repairing of cover threshing floor at Murarai II BSF

28606

11

Maintenance and repairing of godown and other ancillary structure at Murarai II BSF

82734

12

Maintenance and repairing of ADO farm Qtr. in Patel Nagar

55859

13

Repairing of open threshing floor of Nalhati Zonal Adaptive Research Station (ZARS)

135457

14

Repairing of another open threshing floor -Nalhati (ZARS)

46763

15

Repairing of Cover threshing floor -Nalhati (ZARS)

47126

16

Sinking of Farm drinking water TW -Nalhati (ZARS)

35620

17

Purchase of Power tiller -Nalhati (ZARS)

104385

18

Construction of Dug well(3 nos) of 15m depth approx. 3.6m dia at Sisal Plantation Farm, Rajnagar

614203

 

TOTAL

3520931

The Infrastructure for Soil, Water Quality and Input Testing is also a major Gap in the district as only one Laboratory is directly under the control of the Agriculture Department and that too it is a bad shape. This creates problems of unscientific uses of Fertiliser doses in addition to the aforesaid problems of low productivity of crops. The Department also cannot optimally distribute the micro nutrient kits received by it or properly undertake the programme of soil health management of the Govt.

Agri-Clinics can be set up to begin with, so that the facilities of soil testing can extended to the farmers at short notice.There can be 10 such Agri Clinics in the district to begin with.

The fund requirements for 2005-06 are detailed below :

                                                                                                                                (Rs. Lakh)

Type of Agri - clinic

Number

Unit Cost

Bank Loan

Soil and Input Testing

10

5.23

44.46

TOTAL

10

 

44.46

 

3.1.3 Assessment and phasing of the Potential in the Base PLP and Rephasing of Potential on account of infrastructure changes for the year 2005-06 ( Rs. lakh )

BASE PLP

UPDATED PLP

Crop

Unit

Scale of finance

Phy.

TFO/Bk. loan

Unit

Scale of finance

Phy

TFO/Bk. Loan

Crop Loan

ha

   

3541.65

       

Paddy Local

N

N

 

0

Ha

8900

7000

623.00

Paddy (HYV)

     

0

Ha

12900

45000

5805.00

Wheat

I

I

 

0

Ha

11400

5700

649.80

Pulses

     

0

Ha

3800

9000

342.00

Oilseeds

L

L

 

0

Ha

8650

10000

865.00

Potatoes

     

0

Ha

35100

16400

5756.40

Vegetables

     

0

Ha

12350

3900

481.65

Sugarcane

     

0

Ha

21500

3200

688.00

Total

     

 

100200

15210.85

In the aforesaid para it was indicated that there was potential for opening 10 Agri- clinics in the district to begin with. The fund requirements for the year 2005-06 are as under :

                                                                                                                                    (Rs. Lakh)

Type of Agri - clinic

Number

Unit Cost

Bank Loan

Soil and Input Testing

10

5.23

44.46

TOTAL

10

 

44.46

The block-wise allocations under this sector during the year 2005-06 are indicated in Annexure - I.

3.1.4 Review of Ground Level Credit

(i) The Annual Credit Plan targets and ground level credit flow for the last three years since 2001-02 are as under :-

(P = Physical units in Ha F = Bank loan in Rs. lakh )

 

Annual Credit Plan target

Disbursements

 

2001-02

2002-03

2003-04

2001-02

2002-03

2003-04

P

55238

63898

57672

11263

14388

18522

F

2408.50

2740.60

3127.00

1721.40

2190.20

8101.45

It may be observed that the Annual Credit Plans for the successive years envisage a progressive increase in farm area coverage.The disbursement data against stipulated targets also registered an upward trend for the all years under reporting. However only in the year 2003-04 it has overshot its target by a substantial margin. This may be due to the spurt of KCC cards issued to eligible farmers. Notwithstanding the fact that the target of the first two years under reporting has not been achieved, it should not be overlooked that the actual disbursements when considered in isolation shows an rising trend.

(ii) The ACP disbursements has picked up in the year tremoundously during the year 2003-04 and it is hoped that the trend would continue.in the years ahead. The distrribution of KCCs is also picking up. In this background the ground level credit flow is expected to be in the order of Rs.9000.00 lakh during 2005-06.

Resource Gap

The resource gap will be of the order of Rs. 6210.85 lakh.

Suggested Action Points

(a) Banks

Branches of scheduled comercial banks, MGB and Birbhum DCCB operating in the district may endeavour to distribute as many KCCs as possible and increase their coverage of short term crop loan.

The banks should also educate the farmers for going for group loans to have common MI / FM programmes in view of the average size of holding in the district which comprises mainly of Small and Marginal farmers.

The banks need to popularise the schemes of Agri-clinics, Agri-business units and also that of Rural Grain Godowns which will help farmers in obtaining & using better agronomic practices and also in getting proper price for their produce.

Banks may seek cooperation from the nodal officials of the Agriculture Department at the block level for generation of application of crop loan.

The DCCB and the PACS affiliated to it may evolve strategies to expand the membership base and cover new areas.

(b) Development Departments of the Govt.

Agriculture department may educate the farmers in the modern cultural practices applicable to HYV for obtaining optimum yield and maximum profit.

Farmers may be motivated to cultivate HYV crops as well as cash crops having high returns instead of undertaking the traditional cultivation of paddy returns which basically depend on the minimum support price declared by the government. Further with the asisstance of the Agri Clinics emphasis should be laid on dissemination of the problems accruing to the farmers especially on the ways of enhancing production. New techniques and seeds may be distributed specifically for Potatoes and the ways to combat pests and the need for getting their soils scientifically tested so that problems can be tackled along with optimum utilisation of the inputs.

Progress in disbursement of crop loan in terms of sponsoring of applications to banks and disposal by the same may be reviewed in the DCC/DLRC/SC meetings.

Other issues

The KCC scheme has picked up with all agencies including the BCCB and the MGB issuing 9516 fresh KCC during 2003-04. The benefits of Rashtriya Bima Yojona is being extended to the farmers for the last 2 years.

The projections include the irrigation potential likely to be created because of RLI & Tube well schemes to be commissioned by Irrigation Department & also the On - Farm Water Management Scheme to be implemented this year.

                                    Detailed Information on a select Commodity

Name of District

Birbhum

Profile of the Commodity selected

Name of the commodity

Paddy

Characteristics of the commodity

Paddy is the major crop of the district. About 80% to 82% is covered under HYV. The majn varieties are MTU 7029, IR 36 and Krsihna Hamsa. The last two are short duration varieties and are grown in Aus and Aman whereas in Boro it is mostly MTU 7029. The Aus paddy is sown in summer and harvested in Autumn.The Aman paddy is sown in June/July and Harvested in Winter.The Boro Paddy is sown in winter ( Dec./ Jan.) And harvested in Summer.

The district is surplus in production

Area under cultivation of the commodity (ha)

357659 ha

Area under rainfed cultivation

95000 ha

Area under irrigation

262659 ha

Total area under cultivation in the district

( Block wise )

Block                       Aus      Aman         Boro 

Suri I                        650      8960          1830

Suri II                        465    8860           3880

Sainthia                    700     19550          5750

Dubrajpur                  750  21453            2000

Khayrasole               150   18345              110

Rajnagar                   900    12280              14

Md.Bazar                  800      20600          3400

Bolpur                      700       20090          4200

Illambazar                    425    16925           4100

Labpur                       325    19623           6000

Nanoor                     1000      20500         5650

Mayureswar I             375      14850         7100

Mayureswar II          775          8425        2750

Rampurhat I             725          18725        4500

Rampurhat II            1100         13980       3350

Nalhati I                  275          16900       1000

Nalhati II                 375             7575      3000

Murarai I                 525           12710      800

Murarai II                375           13690     2500

 

Percentage of farmers producing the commodity

90%

Inputs

Inputs and quantity required

Fertilizer    

                         N         P                 K

Aus             50        25           25

Aman           60        30           30

Boro            120       60           60

Seed (Kg/ha)

     Aus            Aman                 Boro  

    50-60           50-60             60-75

Arrangements for input supply

Arrangements are made to supply inputs through  867 fertiliser sale points, 238 seed stores and 253 pesticide sale points. In addition the agriculture deptt. Has 7 block seed farms in the district from where certified seeds are supplied and distributed through the state Seed Corporation.

Extension Services available

The Department has one Zonal Adaptive Research Farm and three Sub-Division adaptive Research Farms. Through demonstration the services are reached to the farmers. Training with inputs and technology is also provided all over the district in the farmers fields. Micro nutrient and seed supply is done on a large scale. However, the extension in respect of soil testing is lacking as there is only one soil testing laboratory in the district.

Problems faced in procuring inputs,if any

Output

Quantity of output produced

Aus                             Aman                      Boro

26726 mt                   291725 mt              185781 mt  

Total     504232 mt

Output for pvt. consumption

352197 mt for food

12320 mt for seed

364517

Marketable surplus

139715 ie.27.72% of output

Arrangements for marketing

Quality Testing

Not done within district.

Warehousing / Godown facilities

13 Warehouses in the district

Availiability of support servces suc as KVK, E-Choupal, Information Kiosks

One KVK attached to Vishwa Bharati University.

Processing facilities

conversion of Paddy into rice is a cottage activity. Many rice mills are working in the district.

Marketing arrangements

Through three Regulated Markets , seven sub market yards and several hats and bazars.

Tie up Arrangements if any

Contract farming, possibilities

Nil

Availability of Institutional Credit

Institutional credit for production purposes

8101.45 lakhs

Institutional Credit for marketing of crops

No

Credit from other sources

NA

Support Requirement for the Development of

Weaker Sections of the Society

Introduction

COMMENTS on the demography of the district with details

 

PARTICULARS

MALE

FEMALE

TOTAL

Of which SC/ ST

a

Literacy rate of the district ( % )

70.18

50.35

60.55

NA

b

Agriculturist

465,164

55,594

520758

NA

c

Service

NA

NA

NA

NA

d

Other Workers

604,582

151,950

756532

NA

e

Marginal Workers

251,744

339,670

591414

NA

f

Non workers

1,407,896

2,362,758

3770654

NA

There are 77 Health Centres, 21 Clinics, 25 Dispensaries run by the government. As per the data available there are 2370 beds and 254 doctors attached to these units. It was observed that during the year 2001, 1891992 patients received treatment in the govt. hospitals and clinics comprising both indoor and outdoor departments. Besides there are 428 Family Welfare Centres operating in the district.

 

As at the end of the year 2000-01 there were 2373 primary schools having 7683 teachers in the district and 358030 students in these schools.

 

Out of 2232 inhabited villages as at the end of the year 2001, 2106 villages had drinking water facilities but that may not be in the nature of a household water supply system.

A. People below Poverty Line

4.1.1 Introduction

i. Population below poverty line

a Number of families/ households : NA

b. Number of rural households : 543002

c. number of BPL families :

Name of Block

Total number of BPL families as in October 2002

Bolpur-Sriniketan

15546

Illambazar

10419

Labpur

5760

Nanoor

16926

Mayureswar-I

14503

Mayureswar-II

13469

Murarai-I

10369

Murarai-II

17018

Nalhati-I

21543

Nalhati-II

5927

Rampurhat-I

19684

Rampurhat-II

16635

Dubrajpur

11072

Khoyrasole

10988

Md. Bazar

15538

Rajnagar

7062

Sainthia

21701

Suri-I

10106

Suri-II

9910

TOTAL

254176

 

4.1.2 Government sponsored programmes and other programmes for poverty alleviation :

At present a number of poverty alleviation programmes are being implemented in the district. These are as under :-

a) SGSY : This is GOI programme implemented by the District Rural Development Cell of the Zilla Parishad. The cost is shared by the GOI and State Govt. in the ratio of 75:25 . The programme is meant primarily for people below the poverty line and subsidy linked to bank credit is available to them for taking up economic activities.

PMRY : This a also a GOI programme for promotion of industries and industrial activities and implemented through the Industries Department ( DIC is the nodal agency in the district ).

SCP/ TSP : This programme is implemented by the State Scheduled Castes & Scheduled Tribes Finance and Development Corporation and the Corporation is the nodal agency for disbursement of subsidy to identified beneficiaries.

KVIC - MMS : This programme is implemented by the Khadi & Village Industries Commission for development of industries and industrial activities identified under the khadi sector and subsidy is also disbursed by the Commission. Incidentally, State Khadi & Village Industries Board is also an implementing agency and a portion of the total subsidy is parked with the board for disbursement.

FFDA : This is a subsidy linked state government programme for development of fisheries in the state. Fish Farmers Development Agency is the nodal office for implementing, monitoring and disbursement of the programme.

BSKP : This is a new programme as compared to the other programmes mentioned above. The programme is being implemented in the municipal areas at present and subsidy is released to the identified beneficiaries by the Youth & Sports Department.

RSVY : Birbhum district has been identified under this programme of the Government of India from the year 2004-05. This programme is sponsored by the Planning Commission in the 10th Plan with the primary objective to address the problem of high poverty, low growth and poor governance, by putting in place programmes and policies which would remove barriers to growth and accelerate the developmental process andin the process bring the popoulation of the most vulnerable pockets in the district to a certain level in the standard of living within agiven time frame.

4.1.3 Past Trends :

                                                                                                                                    ( Rs. in lakh )

PROGRAMME

2001-02

2002-03

2003-04

 

Target

Achieve.

Target

Achieve.

Target

Achieve.

SGSY

           

a) Individual

506.12

41.44

1,807

1,383

968

1,893

b) Groups

221.7

nil

1,120

490

291

211

PMRY ( Nos. )

740

50

187

126

670

77

SCP

401.62

54.56

4,765

4,561

7,195

2,302

TSP

205.32

15.46

275

68

2,333

670

FFDA

20.04

10.4

956 units

121

120 ha

28.96 ha

4.1.4

i. Past performance : It may be observed from the above table that the performance of none of the government sponsored programme is not satisfactory. This has been mainly due to the fact that banks are not inclined to disburse loan under govt. sponsored programmes as the recovery is very poor. However of late disbursements under SGSY-Individual Swarojgaris, SCP/ TSP and FFDA are picking up but disbursements under PMRY show no signs of improvement.

ii. Recovery : As stated earlier, recovery of loans under various govt. sponsored programmes has been very poor and help or participation was also not forthcoming from the sponsoring agencies insofar as recovery was concerned. The result was that as on 31 March 2004, recovery was 79%, 30%, 22 % and 42 % in respect of SGSY(g), SGSY(I), PMRY, SCP/ TSP respectively.

iii. Maintenance of assets: This is another area of concern as in a large number of instances the asset has either not been grounded at all or else it was wasted, stolen or disposed of. Again for various reasons the banks have also not been able to verify the assets after disbursement and this has set a bad precedent for the other loanees, who blatantly take advantage of this situation and divert the money.

iv. Income generation : This is inextricably linked to the creation and maintenance of the asset in good condition. As discussed in the preceding para absence of an asset fails to generate any income in the hands of the borrower. Similarly a defective , poorly maintained and/ or substandard asset also does not ensure adequate and appropriate income to the borrower.

v. Follow-up and monitoring by banks/ Govt. Departments : As discussed earlier follow up measures in the post disbursement stage is almost universally absent save and except few cases including big loans. This has been largely due to the continuous increase in workload at the desk level which coupled with poor staff strength does not leave much scope for field level follow-up and monitoring.

4.1.5 Projections under the programme for the year of updation, if available with the concerned Departments of the State Govt. at the district level :

As on date, the nodal departments are not in a position to furnish its targets under the respective programmes for the year 2003-04.

4.1.6 Block-wise identification of Key Activities

Based on the potentials for the various economic activities in the district, as detailed in the different sub-chapters of Chapter-3, the ‘Key’ activities that could be taken up for financing by the banks in respective blocks of the district may be indicated as below :-

Name of Block

Proposed Key Activities

Bolpur-Sriniketan

Dairy, Poultry, Fishery, Sericulture, Tailoring, Handicrafts and other rural crafts.

Illambazar

Handicrafts and other rural crafts, Dairy, Poultry.

Labpur

Dairy, Fishery, Handicrafts and other rural crafts.

Nanoor

Dairy, Fishery, Handicrafts and other rural crafts.

Mayureswar - I

Dairy, Fishery, Handicrafts and other rural crafts, Weaving.

Mayureswar - II

Dairy, Fishery, Handicrafts and other rural crafts, Weaving.

Murarai - I

Dairy, Piggery, Fishery, Handicrafts and other rural crafts, Weaving, Carpentry.

Murarai - II

Dairy, Piggery, Fishery, Handicrafts and other rural crafts, Weaving, Carpentry.

Nalhati - I

Sericulture, Handicrafts and other rural crafts, Fishery, Poultry.

Nalhati - II

Sericulture, Handicrafts and other rural crafts, Fishery, Poultry.

Rampurhat - I

Sericulture, Handicrafts and other rural crafts, Fishery, Poultry, Carpentry, Dairy, Tailoring.

Rampurhat - II

Sericulture, Handicrafts and other rural crafts, Fishery, Poultry, Carpentry, Dairy, Horticulture, Weaving.

Dubrajpur

Fishery, Horticulture, Sericulture, Weaving, Handicrafts and other rural crafts, Tailoring

Khoyrasole

Horticulture, Sericulture, Weaving, Handicrafts and other rural crafts, Dairy, Piggery

Md. Bazar

Poultry, Dairy, Fishery, Sericulture, Piggery, Handicrafts and other rural craft.

Rajnagar

Poultry, Dairy, Fishery, Sericulture, Piggery, Handicrafts and other rural craft, Weaving.

Sainthia

Poultry, Dairy, Fishery, Sericulture, Piggery, Handicrafts and other rural craft, Weaving.

Suri - I

Poultry, Dairy, Fishery, Piggery, Handicrafts and other rural craft,

Suri - II

Poultry, Dairy, Fishery, Piggery, Handicrafts and other rural craft,

4.1.7 Present Problems and Suggested Action Points

a) Government Department : Govt. Departments have to identify, train and motivate new and prospective borrowers, who would avail of institutional credit for starting economic activities. The concerned departments may design its programmes in such a manner so as to provide escort services to the new borrowers/ entrepreneurs till such time they are able to fend for themselves.

b) Banks : Banks may put in place a system to reduce the time taken for processing of loan applications and disbursement of loan. They may as well have to regularly undertake post disbursement visits and monitoring visits so as to maintain a regular live contact with the borrowers.

B. Women

Introduction

As per 2001 Census women constitute 48.69 % of the total population of the district. They have a literacy rate of 52.21 % but are not visible as a force as social etiquettes impose restrictions to limit their movement, role and functions, within the four walls of the household. There are very few womenfolk in this district who have been able to break this barrier but now, the prospects are looking brighter in view of the large scale coverage of Women under the aegis of the micro credit programme.

Credit Package for Women

In view of little or no demand ‘credit package for women’ worth the name has either been conceived or formulated. Various government poverty alleviation programmes have specific target for women beneficiaries viz., SGSY etc. but in the absence for takers it has not been possible to achieve the same.

Target for coverage of Women under different Government and Other programmes and achievements : ( for the preceding year )

It has been envisaged under the SGSY programme that at least 50 of the groups formed should be exclusively women groups and women should account for 40 % of its beneficiaries. As stated earlier it has not been possible to strictly adhere to this target though however almost all the groups approved by the DRD Cell now are women groups.

4.1.3 Past Trends :

Specific data is not available for each of the different programmes being implemented to enable one to identify a trend and suggest measures for initiating corrective steps. The basic need is that specific targets have to be allocated under each of the programmes and the same have to be meticulously monitored periodically. Various line departments of the government and the Social Welfare Department may have to strengthen their extension efforts to motivate women to emerge from their shell and take up income generation activities.

4.1.5 Projections under the programme for the year of updation, if available with the concerned Departments of the State Govt. at the district level :

The nodal departments are not in a position now to furnish any programme for the year 2004-05.

4.1.7 Present Problems and Suggested Action Points

a) Government Department : As suggested earlier the line departments may draw up a specific programme to identify and motivate womenfolk to take up income generation activities.

b) Banks : Most of the banks do not have women working as field level staff. The communication barrier with women can be obviated if women employees with appropriate inclination are selectively assigned such duties in a need-based manner. Mayurakshi Gramin Bank have constituted a ‘Women Development Cell’ with financial assistance from NABARD to look after and promote the interest of women in the district.

C. Scheduled Castes/ Scheduled Tribes

1. Introduction

Scheduled Castes and Scheduled Tribes comprise 37.62 % of the population of the district as per 2001 Census.

2. Details of Programme

SGSY programme envisage that SC/ STs will account for 50 % of the Swarojgaris. Similarly West Bengal SC & ST Development and Finance Corporation exclusively looks after the interests of these target groups.

3. Target for the preceding year for coverage of SCs/ STs under different Government programmes and achievements :

                                                                                        ( Rs. in Lakh )

Programme

No. of beneficiaries

Financial Outlay

Bank Loan

 

Target

Achiev.

   

SCP

805.91

581.75

NA

NA

TSP

   

NA

NA

TOTAL

805.91

581.75

NA

NA

4.1.3 Past Trends :

PROGRAMME

2001-02

2002-03

2002-03

 

Target

Achieve.

Target

Achieve.

Target

Achieve.

SCP

401.62

54.56

805.91

581.75

380.97

281.95

TSP

205.32

15.46

   

131.57

98.09

4.1.4

i. Past performance : It may be stated that disbursement of loans to SC/ ST beneficiaries under different programmes does not get as focussed attention as is given to the monitoring of achievement by the West Bengal SC & ST Development and Finance Corporation. However it may also be stated that there appears to be no bias against disbursement of loans to these group of beneficiaries.

ii. Recovery : Insofar as recovery is concerned, it happens to be poor at around 42 % of the demand.

iii. Maintenance of assets : No specific feedback is available on this aspect, but the general impression is that the assets are not grounded in the first instance, otherwise it is either disposed of or is maintained in a very poor condition.

iv. Income generation : Income generation is good or stable where the asset is grounded and maintained properly. However that is not the case with most of the beneficiaries and hence this is reflected in the form of poor recovery and high overdue with the financing banks.

v. Follow-up and monitoring by banks/ Govt. Departments : Banks and nodal govt. departments alike will have to maintain more live contacts with the borrowers/ beneficiaries so as to provide guidance and counselling in the post disbursement phase.

4.1.5 Projections under the programme for the year of updation, if available with the concerned Departments of the State Govt. at the district level :

At present the nodal departments at the district level are not in a position to furnish any programme content for the year 2004-05.

4.1.6 Present Problems and Suggested Action Points

Problems specific to the disbursement of loans to SC and ST population has not been noticed. The only area that needs strengthening is with regard to spreading awareness among the ST population.

D. OTHER GOVERNMENT PROGRAMMES BEING IMPLEMENTED IN THE DISTRICT

Bangiya Swanirvor Karma Prakalpa implemented by the Government of West Bengal through the Youth Department.

Suggested Action Points : The programme has been launched two years back and is yet to stabilise. The nodal department may have to intensify its extension efforts to popularise the scheme and spread awareness.

CHAPTER- 4

PERFORMANCE OF CREDIT AGENCIES

a. Data/ information on important financial parameters in respect of various agencies for last 3 years

(i) C : D Ratio : As against the national parameter of 60 %, the status of different agencies operating in the district were as under during the last three years :-

Year / Agency

CBs

RRB

DCCB

CARDBs

2001-02

22.14

45.07

37.88

878.51

2002-03

21.87

54.22

38.76

849.89

2003-04

25.35

57.61

41.65

802.43

It may be stated that while the banks continue to mobilise deposits, its disbursements in the district is not able to keep the same pace and this has resulted in the C:D ratio declining over the years.

(ii) Deposit Growth : As stated earlier, the banks are mobilising huge amount of deposits in the district and the same is exhibiting an increasing trend.

(iii) NPA : The amount of NPA with various banks have come down substantially. This is mainly due to the fact that banks have in general made all out efforts to recover outstanding dues from its borrowers. Further banks’ own effort has been supplemented by the decision of the government to implement the one -time settlement scheme and this has helped to substantially reduce the NPA portfolio of the banks.

b. Organisational and financial status of the credit delivery system

There are twelve commercial banks with 108 branches, one Regional Rural Bank with 65 branches, one District Central Cooperative Bank with 17 branches including 2 evening branches purveying credit through 318 Primary Agricultural Credit Societies, two Primary Agriculture and Rural Development Bank with 3 branches and one Urban Cooperative Bank. Besides West Bengal Financial Corporation has a branch operating in Suri that covers the entire district. It may be stated that the commercial bank branches are earning profit and Mayurakshi Gramin Bank has earned profit in 2003-04 whereas it was in loss for the year 2002-03. Insofar as DCCB is concerned it is also earning profit but as per available data only 108 PACS were in profit during 2001-02.

c. Analysis of the strengths and weaknesses of the existing credit delivery system

Manpower resources at the branch level is not adequate and a number of branches particularly that of commercial banks is manned by a single officer in the post-VRS period.

This is acting as a constraining factor insofar as processing of loan applications and disbursement of loan is concerned. Again all members of the operating staff are not adequately trained to undertake the kind and type of job presently entrusted to them.

d. Areas of action and suggested measures for improvement

Banks may consider strengthening manpower support in the deficient branches. Alternatively a pool may be created to extend support to such branches periodically to clear backlog or attend specific jobs as the case may be. Bank may also consider identifying trainable staff and officers and depute them periodically for training with a view to equipping and motivating them.

e. Improvement as a consequence of implementation of DAP/ MOU, recapitalisation

There is a perceptible difference in the attitude of the bank and its officials regarding the financial health of the respective banks. They are now aware of the financial parameters, concerned about the achievements or otherwise of these parameters and consequences thereof and have more or less identified themselves with the institutions they are working for.

f. Information on PACS : At present there are about 351 PACS operating in the district and they are affiliated to Birbhum DCCB and except a few that are yet to be deceeded from commercial banks. Amongst these about 318 PACS are functional and are disbursing loans to its 185000 members amounting to about Rs. 86.20 crores.

01. Deposits

                                                                                                                                ( Rs. In lakh )

Sl. no.

Agency

No. of branches

Deposits

% of share as on

31.03.2004

     

2001-02

2002-03

2003-04

 

1

CBs

108

85784.00

95967.00

104703.00

64.84

2

RRB

65

26926.00

31159.00

34149.00

21.15

3

DCCB

14

17234.00

18956.00

20317.00

12.58

4

PACS

351(108)

1542.24

1738.18

1991.08

1.25

5

PLDBs

2

242.00

263.00

288.00

0.18

6

OTHERS

1

-

-

0.00

0.00

 

TOTAL

 

131728.24

148083.18

161448.08

100.00

02. Loans Outstanding

                                                                                                                            ( Rs. In lakh )

Sl. no.

Agency

No. of branches

Loans Outstanding

% of share as on

31.03.2004

     

2001-02

2002-03

2003-04

 

1

CBs

108

19073

20992

26542

45.49

2

RRB

65

12137

16894

19675

33.72

3

DCCB

14

6529

7347

8462

14.5

4

PACS

351

1092.87

1272.64

1344.68

2.3

5

PLDBs

2

2126

2235

2319

3.97

6

OTHERS

1

-

 

0

0

 

TOTAL

 

40957.87

48740.64

58342.68

100

03. Credit Deposit Ratio

Sl. No.

AGENCY

2001-02

2002-03

2003-04

1

CBs

22.14

21.87

25.35

2

RRB

45.07

54.22

57.61

3

DCCB

37.88

38.76

41.65

Analysis

i)

Deposits

The twelve commercial banks amongst themselves hold the major share of the deposits mobilised in the district. The deposit growth rate of all banks is exhibiting a positive trend as at the close of business on 31 March 2004. The deposit held by Mayurakshi Gramin Bank is around 21.42 %. When compared to that of last year the growth rate is positive. However Birbhum DCCB hold around 12.74 % of the deposits mobilised in the district and is slightly lower than that of last year. The two CARDBs together have mobilised around 0.18% of the aggregate deposits.

ii)

Loans Outstanding

The market share of commercial banks have increased by about 2.35 % in the period between March 2003 and March 2004. During the same period the disbursements of Mayurakshi Gramin Bank has decreased by about 1.07 %. The disbursements of Birbhum DCCB have also marginally decreased by .63% and as at the close of the last financial year its share was 14.85 % . The aggregate performance of the two CARDBs registered a skewed trend in its loan portfollio.

iii)

Credit : Deposit Ratio

 

There is a steady increase in the C : D ratio of all the credit agencies beginning from the year 2001-02 to 2003-04. As on 31 March 2004 it was 25.35 %, 57.61% and 41.65% for Commercial Banks, Gramin Bank and the DCCB respectively. The boost has been provided by Mayurakshi Gramin Bank and Birbhum DCCB.Although overall the position still remains quite bleak. The CD ratio of the district was pegged at 35.74 % .

04. PERFORMANCE as on 2003-04

( Rs. in Lakh )

Sl. no.

AGENCY

LOANS

PRIORITY SECTOR

DIRECT LOANS TO AGRI.

LOANS TO WEAKER SECTION

LOANS TO WOMEN

DRI LOANS

 

CBs

26542.00

18995.00

6196.00

7993.00

NA

NA

 

RRBs

19675.00

11797.00

1706.00

8258.00

NA

NA

 

DCCBs

8462.00

3814.00

2722.00

1824.00

NA

NA

 

PLDBs

2319.00

2142.00

1653.00

423.00

NA

NA

 

TOTAL

56998.00

36748.00

12277.00

18498.00

NA

NA

Analysis

05. ANNUAL ACTION PLANS - PERFORMANCE DURING LAST 3 YEARS

Sl. no.

AGENCY

2001-02

2002-03

2003-04

   

TGT

ACH

%

TGT

ACH

%

TGT

ACH

%

1

CBs

3626.61

2443.50

67.4

4405.65

3045.66

69.1

9651.16

8041.77

83.3

2

RRBs

1779.34

2839.72

159.6

2308.79

4330.91

187.6

8535.62

9001.70

105.5

3

DCCB

2177.75

1566.48

71.9

2716.80

2284.50

84.1

6760.21

5947.34

88.0

4

PLDBs

704.50

367.83

52.2

813.15

687.95

84.6

1202.66

433.94

36.1

 

TOTAL

8288.20

7217.53

87.1

10244.39

10349.02

101.0

26149.65

23424.75

89.6

Analysis

06. RECOVERY POSITION

( As on 31st March )

                                                                                                                                        ( Rs. In lakh )

Sl. no

Agency

2001-02

2002-03

2003-04

   

Demand

Recovery

% of recovery

Demand

Recovery

% of recovery

Demand

Recovery

% of recovery

1

CBs

3614.5

1206.3

33.37

5997.76

1691.63

28.2

5795.94

2305.85

39.78

2

RRB

2450.0

481.8

19.67

2891.89

2064.35

71.38

3839.96

2117.03

55.13

3

DCCB

2326.6

1439.2

61.86

3145.53

1235.75

39.29

3532.21

1807.18

51.16

4

PLDB

1187.1

381.0

32.1

476.2

184.74

38.79

1522.49

643.36

42.26

 

TOTAL

9578.2

3508.3

36.63

12511.38

5176.47

41.37

14690.60

6873.42

46.79

Analysis of Recovery Position :-

The overall recovery position of the primary lending institutions is not satisfactory. The situation had marginally improved during the year 2003-04 from that of last year. Amongst the various agencies, the recovery position of Mayurakshi Gramin Bank has declined for the year 2003-04 as indicated in the report of the LDM . As on 31 March 2003 there was a spurt in recovery of dues by the Gramin Bank. The percentage of recovery to demand stood at 71.38 % which was quite commendable. However as reported it has failed to sustain that level.The status of the two PCARDBs are more or less showing an increasing trend . The DCCB has recorded a quantum jump in its recovery position registering an growth of 30.21% during the year 2003-04 as compared to that of last year.

Status of Non Performing Assets ( Agency-wise )

CLASSIFICATION OF ASSETS (Loans and Advances)

Detailed classified data are not available as the LBR - III/ U III has not stabilised in the district. However some indicative data are available in the District Credit Plans prepared by the Lead Bank Office for the year 2001-02, 2002-03 and 2003-04. It has been stated that the percentage of NPA to total advances is 10.43 % as on 31 March 2004 when investments worth Rs. 5923.78 lakh were considered NPA against outstanding advances of Rs. 56793.00 lakh though an increase has been observed in the case of individual banks .It may be observed from the data furnished above that the loan recovery position of none of the rural financing institutions (RFIs) is either encouraging or worth emulating. Birbhum DCCB may also devise ways of not only maintaining the recovery level but also progressively increasing the same. For availment of refinance by the RFIs, NABARD have evolved an eligibility criteria linked to recovery performance and at present for unrestricted eligibility the RFI should have recovered at least 65 % of its demand and those RFIs whose recovery is less than the bench mark level eligible limit based on the level of performance is calculated on a year to year basis. Thus going by the recovery performance indicated above none of the RFIs operating in Birbhum District is eligible for unrestricted refinance assistance from NABARD.

STATUS ON SAMIS

The percentage of submission of LBR-2/ U2 by the bank branches operating in the district is very poor. The basic reason for this is that the branch managers do not assign any priority and have to be repeatedly reminded about the same without success. However there are a good number of banks and its branch managers submit the same regularly as per schedule. The generation of the performance report for the year ended 31 March 2004 was inordinately delayed owing to late and non-submission of the returns and also due to software problems of the computer agency.The same was finally generated with only 89% of the LBR-2/ U2 returns in the middle of June 2004. Insofar as submission of LBR-3/ U3 is concerned the same has not taken off and serious efforts have to be initiated by the Lead Bank Office to ensure submission of the same by the bank branches for generation of data.

Cooperative Development Fund

  1. Status of CDF assisted activities : At present there are no CDF assisted activities.
    2    Impact of CDF assistance for various eligible purposes in the district : Not applicable.

    3   Success stories, if any : NIL

ROLE OF INFORMAL CREDIT DELIVERY SYSTEM

Introduction

SHG movement is gradually picking up in other districts in West Bengal but the pace of development of SHGs in Birbhum is not satisfactory. The reasons are varied viz., lack of awareness, knowledge and initiative on the part of the nodal officials of government and banks, lack of awareness and initiative on the part of the villagers/ rural people coupled with ever increasing workload of the concerned officials have acted as the main constraining factor inhibiting the success of the SHG as a movement in the district. Consequently, the field is dominated by the indigenous money lenders who indulge in various types of usurious practices to exploit the small time businessman and entrepreneurs more particularly women. Even at a stage when the SHG concept has been accepted worldwide, in India the individuals could not join hands to form SHGs for the purpose of accessing institutional credit, due to lack of awareness and motivation and this coupled with similar lack of awareness and commitment on the part of govt. functionaries and bank officials ensured that the ground level situation did not improve to usher in the advantage to the economically weaker section of the people. In Birbhum there are some NGOs functioning amongst the masses but they mostly have on their hand an agenda for improvement of live and living not directly linked with promotion of economic activities. In the recent years some of these NGOs have started mobilising savings amongst the groups but has consciously or otherwise failed to operationalise the concept of confidence building through internal lending out of the corpus so mobilised for undertaking economic activities. In fact institutional credit linkage and organised marketing support for their products happened to be their most formidable barriers. However, the silver lining is that most of the primary lending institutions have set for themselves a corporate target under instructions from the Govt. of India as declared under the financial budget. This has resulted in the banks making efforts to promote and launch new SHGs with credit linkage in view. Some of the banks have tried to explore the possibility of linking some of the existing SHGs after studying their status and in the process banks have accessed the huge low cost savings of a large number of SHGs.From the year 2002-03 MGB have started the process in abig way.Efforts are on to bring in new partners also.

Micro finance profile in the district

  1. a)

Total number of blocks in the district

19

  1. b)

No. of blocks where SHGs exist

19

  1. c)

Total no. of blocks where SHGs are credit linked

15

  1. d)

No. of NGOs in the district

33

  1. e)

No. of NGOs participating in linkage programme

3

  1. f)

No. of additional NGOs to be roped in during the year

2

  1. g)

Total no. of bank branches in the district

CBs -108 ; MGB(RRB) - 65 ; DCCB-18

  1. h)

Of which no. of branches participating in linkage programme=

MGB - 65, SBI - 1, UBI - 1, DCCB - 5

  1. i)

No. of additional branches to be roped in

CBs - 4 ; DCCB - 5.

  1. j)

No. of Govt./other agencies participating

2- Visva-Bharati , Santiniketan and Elmhirst Insitute of Community Studies, Santiniketan.

  1. k)

No. of other Govt./other agencies likely to participate

NIL

Means for expansion of linkage programme

 

NGOs :

i) Efforts are being made to bring into the thrift & credit fold all those new groups that will be promoted by the NGOs in the district.

ii) Steps are being initiated to explore the scope of introducing new NGOs to the SHG concept. In the year 2004-05 ,8 NGOs have been identified and introduced to the various programmes of NABARD.

 

VVV Clubs :

The existing Farmers Clubs are being motivated to promote and launch SHGs. In MGB, most of the SHGs are now being formed by the Farmers Clubs.

 

Govt. etc agencies :

Rural Extension Centre of Visva-Bharati University and Elmhirst Institute of Community Studies implement a number of community development programmes and efforts will be made to dovetail the SHG concept in their extension programme.

 

Charitable etc organisations :

Efforts will be made to explore to good office of two of such organisations in the district.

 

Women Sarpanch of Panchayats :

At present there is one women sarpanch.

 

 

Revitalising dormant groups

Efforts will be made to remodel some of the existing groups into the SHG model for credit linkage.

Projections for updation year

No. of SHGs to be promoted

No. of SHGs to be saving linked

No. of SHGs to be credit linked

1,500

2,000

1,200

 

SHG Linkage Programme - Strategy

Non - government Organisations/ Voluntary Agencies (NGOs/ Vas )

The last four NGOs as above are comparatively new but hold much promise to deliver in the near future.The office bearers of the NGOs are young and energetic and it hoped things would work out well for both, the said NGOs and NABARD. This year t Tarapur, Naisuva and Bhadrapur have been given sensitisation programmes in their area of operation. Many programmes have already been conducted.

Status of Vikas Volunteer Vahini Programme

Vikas Volunteer Vahini as on 31 March 2004

Bank Clubs

NGO/ VA Clubs

Satellite Clubs

Total no. of Clubs

Total no. of SHGs

60

_

-

60

870

         

2. Impact of VVV Clubs in the district : After the spread of the information regarding the benefits that accrue through the programmes undertaken under the aegis of the Farmers Club there is a demand for launching of more Farmers Clubs as is evident from the programme taken by the Mayurakshi Gramin Bank. As on the date MGB had launched a total of about 60 clubs in the district through its various branches. As said earlier, SHGs formed by the RRB are mostly through the Farmers Clubs affiliated to their branches.

3. Projections for the year 2005-06, potential available and also involving other agencies in the district for implementation of the VVV Programme

As stated earlier, MGB has drawn up a plan to launch Farmers Club in a big way with at least one farmers Club in each of its branches. Similarly progress has been made with Birbhum DCCB for embarking upon an action programme for launching of Farmers Club through the affiliated PACS by organising the farmers availing of short term crop loan. It may be estimated that during the year 2005-06 more or less ten Farmers Clubs will be launched. The ARDBs are joining the band wagon and a spurt in the opening of Farmers Clubs is likely to be experienced. The Commercial Banks continue to remain as bystanders. The attitudinal changes have not yet come about. Almost all the branches are content with the sponsored cases under SGSY.

Response from Farmers

Introduction

The efforts of the various agencies working for the development of the district is aimed at upgrading the standard of living of the rural populace.Therefore it becomes imperative on the part of such agencies to be open to the needs and aspirations of the people. The district of Birbhum is predominantly dependent upon agriculture and in order to ascertain the effectiveness and the acceptability of the agencies in their respective areas of work , an attempt was made to meet the farmers in the fields for getting a first hand knowledge of their expectations and the facilities available from the various institutions, in undertaking their profession. .

The district of Birbhum consists of 19 blocks and efforts were made to interact with the farmers across the entire district and also of various categories in respect of their land holdings.

Analysis of the information / data received from farmers

At present farming is done mainly by using mechanical means, i.e., land preparation and other related work are undertaken by using tractor / power tiller, either owned by himself or obtained on hire. Labour is used for sowing (transplantation), deweeding, manuring, and cutting.

Out of the many components, fertilizer and insecticides, in particular, are bought on credit from the neighbourhood eventhough the farmers are well aware of the facilities available from financial institutions. Cash payment is made in respect of labour, tractor hire and use of tube well (for purchasing diesel/ Mobil). Seed is normally generated by the farmer himself and if it is to be bought from the market, the mode of payment is cash.

Around 20% of the crop produced in respect of paddy, mustard and potato are used for consumption and the rest is marketable surplus. Some amount of this marketable lot is required to be sold immediately to meet the cash requirements for repaying the amount due to fertilizer dealer and also for sowing operations of the next crop, etc.

In mono cropped areas many farmers were undertaking other activities such as dairy farming and their spouses were engaging themselves in Kantha stiching and selling their products to make a living. The constrainting factor, mainly enumerated by the farmers were the lack of marketing facilities. Their contention was that the middlemen were doing brisk business whereas they were left high and dry. The farmers were to wary about the urban scenario and were not in favour of going to the market themselves, for selling their wares. It was also ascertained that the falling price of paddy which is the main crop grown in the district ,was causing great concern.Inspite of that, the famers were exhibiting reluctance in trying out cash crops. They were of the feeling that they are not fully equipped to undertake the activity and were also not in the knowhow of the market .In other words they did not exhibit any risk bearing capacity. In other areas, the farmers were also engaging themselves in daily wages labour where ever possible and if the need arises, migrating to neighbouring areas or districts for search of employment.

At some specific places (canal irrigated areas )absence of motor able roads have led to loss to the farmers specially those who have tried to diversify to cash crops. Floods prone areas are the worst sufferers and diversification to cash crops could not reap benefits. As trucks were not able to collect their produce from their villages, transportion of the produce to the nearest motor able centre by bullock carts, involved huge costs and due to the same many farmers were not able to sell their produce resulting in demotivation.

On an average it was observed that 30% of the farmer member of the PACS are the ones who take the money for actually undertaking production of crops and repay properly but their single most important demand is that the money should be made available on the day he places his demand.Farmers also expect improved services from the bank branches .

Some of the members use the money for trading in agriculture produce in the various hats and they do provide an important service to the farmers and rest uses it for unspecified purposes usually unrelated to farming.

The big farmers usually don’t undertake farming on their own, instead the land is contracted out to other farmers and these farmers by virtue of being under oral lease do not get any credit from institutional sources.

Expectations of Farmers

Motor able all weather roads are considered by the farmers as an important precondition of any agricultural diversification and development.

All the farmers with whom interaction was done were of the opinion that availability of pledge loan facility along with godown at the society premises will help them in avoiding distress sale because of the limited space available at their homes to store the produce and also the need for cash to undertake agricultural operations for the next crop.In many PACS, the storage capacity was far less and in the process the PACS were reluctant to store the goods. Further, the contention of the PACS were that new members means more storage space. It was ascertained that farmers who, indicate their willingness for membership of the PACS submit a pre-condition that they would get storage space.This was creating problems for the PACS as it was being made increasingly difficult for them in increasing their membership base.

The farmers don’t see any benefit in the crop insurance till the loss suffered by him cannot be compensated because whole block / GP has not suffered loss more than a specified amount. He basically wants the notified area to be brought down to the level of one Mouza. As regards life Insurance , it was ascertained that 80% of the farmers interviewed had obtained Life Insurance cover whereas some were of the opininon that they would have been to glad to take the insurance cover provided they were able to produce more and sell their products at remunerative prices.

Recommendations

The PACS have to explore the possibility of utilising the storage capacity of Warehousing Corporation on behalf of its farmer members in case they are unwilling to invest in construction of godowns.

As has been seen in other context also, the proper timing of the loan is very important in respect of the farmers actually undertaking production of crops and PACS and banks may have to take care of this aspect by issuing KCCs or else it will lead to farmer going for informal sources of finance. This phenomenon may increases the chance of defaults of loans obtained from institutional sources, as the high cost loan obtained by the farmer from informal sources will naturally be liquidated first.

Many farmers were also harping on infrastructural development in their areas especially in the field of education ,sanitary and health.

 Other Priority and Non Priority Sector

1 Introduction

Tertiary sector is comprised of small road transport operators (SRTO), retail trade/ small business, education, housing and consumption loans. The aforesaid activities are complimentary to the primary and secondary sectors already described and develop in tandem with them providing gainful employment to the rural population.

2 Infrastructure and Support Services

(i) As discussed earlier, the sector develops along with primary and secondary sectors.The infrastructure and support services for this sector depends upon the overall infrastructure development taking place in the district viz., agricultural marketing, industry, surface transport , communication facilities, hospitals etc. The District Administration as well as the State Govt. endeavour to improve the various infrastructure facilities on a continuous basis and this provides the necessary fillip and support for growth of this sector. Since 1995-96 minor irrigation facilities, improvement of road connectivity and of late power systems improvement projects are being implemented with loan assistance under RIDF from NABARD. New proposals from the district on minor irrigation, roads & bridge, sishu siksha kendra and anganwadi, flood protection structures are being submitted to NABARD for sanction.

3 Assessment and Phasing of the Potential in Base PLP and Rephasing of Potential on account of infrastructure changes for the year 2005-06 ( Rs. in lakh )

Item

BASE PLP 2005-06

UPDATED PLP 2005-06

 

Unit

PU

BL

Unit

PU

BL

Transport Operator

Nos.

500

1700.00

Nos.

1000

4500.00

Retail Trade/ Small Business

Nos.

7000

4462.50

Nos.

9000

4050.00

Professional & Self Employed

Nos.

1250

3187.50

Nos.

1800

3420.00

Others

Nos.

2600

1428.00

Nos.

5000

6750.00

TOTAL

   

10778.00

   

18720.00

The Block-wise and Activity-wise allocations of the various investments under this sector during the year 2005-06 are indicated in Annexure-I.

4 Review of Ground Level Credit

(i) The Annual Credit Plan targets and ground level credit during the last three years are as under :-

Activity

2001-02

2002-03

2003-04

2004-05

(Estimated )

 

T

A

%

T

A

%

T

A

%

T

A

%

SRTO

325.97

239.98

73

382.01

183.79

48

453.98

152.71

33

563.99

500.00

88

RT/SB

1110.59

1615.34

145

1478.13

2950.55

199

1798.64

2770.40

154

3184.46

2600.00

82

P & SE

160.30

81.34

50

201.08

104.50

51

223.70

120.15

53

327.53

260.00

79

Others

84.85

1225.19

1444

1808.67

1661.46

91

2770.13

1939.11

70

4658.99

3900.00

83

Total

1681.71

3161.85

188

3869.89

4900.30

126

5246.45

4982.37

94

8734.97

7260.00

83

NPS

4851.13

7147.21

147

5916.81

15151.27

256

7428.89

6624.33

89

9010.24

8300.00

92

There has been a steady increase in the flow of ground level credit for all activities under this sector (OPS only) except the SRTO category which registered a slide during the year 2002-03. The performance further decreased in the year 2003-04. Insofar as performance of individual banks are concerned, none of the banks are reported to be biased against disbursing loans for development of this sector. In any event as per available data it is observed that the disbursements made as at the end of March 2004 has been 94.96 % of the target.

(ii) Based on the emerging trend of disbursements vis-a-vis target under OPS it is presumed that the estimated credit flow to this sector during the year 2005-06 may be around Rs. 10000.00 lakh only.

5 Resource Gap

The resource gap may be around Rs. 8720.00 lakh only.

6 Suggested Action Points

(a) Banks

The banks may endeavour to achieve the targets it have set unto itself for development of this vulnerable and neglected sector.

Banks may make efforts to identify new borrowers as entrepreneurs and help them in self employment.

(b) Development Department of Govt.

The nodal departments will have to focus on the development of the general infrastructure of the district and this will give the requisite impetus for the development of this sector.

The Zilla Parishad may identify new areas where infrastructural gap exists and formulate project proposals for implementation with assistance from NABARD under its various schemes.

Credit for Non Farm Sector Activities

 Investment Credit

1 Introduction

The demographic data shows that 29.34 % and 67.51 % of the population in Birbhum district are workers and non-workers respectively. Again out of the total main workers aggregating to 1663024, 32 % are engaged in agriculture and allied activities as compared to a meagre 1.21 % in household manufacturing and processing job. It can be concluded that the drive for industrial activity of the rural populace is considerably low.

The district has a good number of agro-based processing industries viz., rice mills, rice-bran oil extraction units, mustard oil and coconut oil mills, one sugar mill, bakery, chira mill, fruit and vegetable processing and preservation units and these employ a good number of skilled, semi-skilled and unskilled workers.

Birbhum is endowed with a natural forest cover of 15926.58 Ha with Eucalyptus, Bamboo, Sisoo, Sonachuri etc. species and forest produce are logs, poles, timber, Sal and Kendu leaves, Mohua, fuel and firewood.

The district has huge deposits of inferior grade china clay, fire clay, decorative stone, basaltic rocks and inferior grade coal.

 

2 Availability and gaps in infrastructure and support services

a)

Organisational

i) DIC has the requisite expert staff and expertise for promotion of small scale, tiny and ancillary industries and implements the govt. sponsored programme viz., PMRY. It also conducts training programmes for the new entrepreneurs and organises special EDP.

   

ii) WBKVIB operates through its district office located in Suri and looks after the promotion and implementation of industrial activities coming under the ‘Khadi’ category.

   

iii) Small Industries Services Institute (SISI)