EXECUTIVE SUMMARY

The theme for the PLP 2016-17 is “Accelerating the pace of capital formation in agriculture and allied sector through Bank credit.

YSR district is said to be the heart of Rayalaseema as it is centrally located and well connected with 4 districts. Kadapa is one of the chronically drought affected region of Andhra Pradesh. The total geographical area is 15,359 sq. km. with 3 revenue divisions, 12 mandals, 972 revenue villages and 790 gram panchayats. The rainfall of the district is mainly influenced by South-West monsoon contributing monsoon contributing 55% and 30% from Northeast monsoon mainly in Rajampet, Kodur, Rayachoty and L. R. Palli Mandals. The normal rainfall of the district is 700 mm as against the state average of 940 mm. As per 2011 census, the population of the district is 28.82 lakh which is 5.84% of total population of the reorganized State. The density of population is 188 persons per sq.km. The literacy rate of the district is 59.57%. The economy of the district is predominantly agrarian in nature. Around 70% of the population is engaged in agricultural and allied activities for their livelihood. The area available for cultivation is around 5.69 lakh ha, of which 1.80 lakh ha has been created irrigation facilities through 4 major, 5 medium and 1841 tanks. The Principal crops grown in the district are Paddy, Bengalgram, Groundnut, Sunflower, Jowar, Bajra, Red gram, Maize, Turmeric, Chillies, Cotton, Coriander, etc. The District is one of the most potential district for the development of various horticultural crops. The soil and climate conditions of the district are most suitable for growing horticultural crops viz., Acid Lime, Mango, Banana, Sweet Orange, Papaya, Betelvine, etc.

The district is endowed with rich mineral resources particularly Barytes, Asbestos, Lime Stone, Clay, quartz, Kadapa slabs, dolomite, etc. The Barytes deposits in Mangampet area are considered to be the best and largest in the World. Pulivendula area is engaging monopoly in superior christolite asbestos deposits in the State. Mining is also one of the major large scale business. The geographical advantages of the Kadapa basin has made this particular industry flourish. As a result, 14 large industries were established in the district, comprising of 7 cement factories, 3 power generation plants, two textile industries, one each in Thermal, Solar and Biomass, etc. There are three mineral based clusters viz., fly ash bricks at Proddutur, baryte powder at Kodur and Kadapa slab polishing at Yerraguntla. The district has a network of 32 banks, which include 18 public sector Commercial Banks, 11 private sector Commercial Banks, one RRB, one District Cooperative Bank and APSFC. These banks have a network of 346 branches as on 31 March 2015, out of which 150 are in rural areas, 103 in semi urban and 93 in urban areas besides 77 PACS in the district. The outstanding deposits and loans and advances as on 31 March 2015 was ` 7710 crore and ` 9779 crore respectively. Of which the priority sector advances was ` 8025 crore i.e., 82% of total advances. The CD ratio in the district was 127%. Andhra Pragathi Grameena Bank is having major presence in all rural areas in the district. The priority sector lending during 2014-15 in the district was ` 3071 crore, showed a negative growth over the level of ` 3839 crore achieved during 2013-14. There was 9.7% growth of deposits and negative growth of 5.18% in loans and advances during 2014-15 over the previous year. It is observed that the achievement under ACP targets during 2012-13 and 2013-14 was 99 and 99.8% respectively, whereas it was only 70% during 2014-15 due to drought conditions. The target of ` 4993 crore has been projected under priority sector during 2015-16, of which ` 3741 crore under Agriculture sector. There is a lot of

thrust on primary sector mission by the Government of Andhra Pradesh to achieve the double digit growth in which a lot of interventions are on-going including expansion of additional area. As a result, there is a demand for investment credit for capital formation in the district by way of bank credit. Highlights of Sector-wise Credit potential in the District for 2016-17 The PLP for 2016-17 has been prepared keeping in view the revised PSL guidelines, GOI guidelines regarding increasing the term lending and allocation of LTRCF, importance of primary sector mission and due consultations with the bankers and line department officials. Taking all the initiatives into consideration, there is an immense growth opportunities and offers a good scope for increased lending under Investment credit for agriculture and allied activities, Food and Agro Processing, MSME, Renewable Energy and Other sectors. The estimated credit potential under the priority sector projected at ` 6083.23 crore for 2016-17 as against the ACP target of ` 4992.58 crore for the year 2015-16 i.e., a growth of 21.85%. Broader sector wise potentials for crop production and term loans for agriculture, allied activities, agriculture infrastructure has been projected at ` 3075.88 crore and `1091.77 crore respectively. The projections for MSME and other sectors is estimated at `805.27 crore and `1110.31 crore respectively. The other sectors include, Renewable Energy, Education, Housing, Social Infrastructure, Informal Credit, etc. Crop Loans: Crop loans form more than 73.8% of the major components of bank credit under agriculture in the district. Majority of the area is rainfed depending on the rainfall for irrigation. Generally, the major crop in the district is groundnut followed by sunflower and pulses. Due to erratic rainfall and low yields of groundnut, bengalgram has replaced the groundnut as a major crop during the last five years in the district. Paddy is grown in areas with assured irrigation facilities including under K C Canal. There is no major crop diversification being practiced by farmers, which required to create awareness on the issue. Supply of quality inputs to the farmers is also one of the major constraint. During the year 2015-16, a target of `2736.06 crore has been fixed for the sector under ACP and the credit potential for 2016-17 is estimated at ` 3075.88 crore i.e., 12% more than the target. Water Resources: As per the Ground Water Department estimates, there are 2 over exploited and 5 semi critical mandals in the district in respect of ground water utilization. Due to overexploitation of the ground water, the water depths have reached alarming levels in several places in the district compelling farmers to cut down the fruit crops. There is every need to motivate the farmers to go for water harvesting devices and recharge structures for all the bore-wells in the district. The potential for various activities under water resources for 2016-17 has been estimated at ` 101.25 crore. The major constraints identified are indiscriminate exploitation of ground water without enforcing distance and density regulations for MI structures, resulting in lowering of water table, which in turn lead to drying up of wells. Farm Mechanisation assumes importance in agriculture production and productivity for achieving food security. Due to high investment of capital, Central and State Governments introduced various subsidy schemes for farm mechanization and purchase of agri implements, setting up of custom hire centres, etc. Being a major groundnut producing area, there is also potential for setting up of CHC in each mandal. The Government of Andhra Pradesh has proposed various interventions under Primary Sector Mission including mechanization of farming activities. Keeping in view the GOI directions, Primary Sector Mission of State Government, the potential for the sector during 2016-17 has been assessed at ` 237.94 crore.

Plantation and Horticulture: The district is one of the potential sector for the development horticulture crops. Mango is the major fruit crop grown in the district followed by Sweet orange, banana, acid lime and papaya. Spices comprise of Turmeric and Coriander and the major vegetables grown are tomato, onion, brinjal and chillies. The developmental initiatives of government viz., APMIP, National Horticulture Mission, RKVY, etc., boosted the horticulture production in the district. The major constraints are absence of appropriate risk mitigation interventions including insurance products for several perennial horticulture crops, lack of proper marketing facilities, inadequate processing and storage facilities for horticulture crops. Absence of reeling and twisting units is considered as a major gap under sericulture. The potential for plantation & horticulture and sericulture sector is estimated at ` 129.37 crore and ` 4.18 crore respectively for 2016-17. Forestry and Wasteland Development: The geographical area of the district is 15.359 lakh ha. of which about 5.0 lakh ha is occupied by forest i.e., 32.55%, the second largest in the State. The only distinction of the forest of the district is that its most important species is the famous Pterocarpus santalinus or red sanders. The district has wastelands of 4.52 lakh ha which includes 1.89 lakh has underutilized/degraded modified forest land, 0.19 ha is rocky and steep slopes, leaving an area of 2.38 lakh ha., to be developed through credit. There are 4.7 lakh members have enrolled for wage employment in the district. The waste lands in the district may be properly identified and assigned to private agencies / individuals / JLG and SHGs for development of forest plantations with economically remunerative species especially red sandal which may fetch a good income generating activity to the Government besides generating employment under MNREGS. The financial assistance is available from NABARD under RIDF. An amount of ` 15.31 crore is projected under the sector. Animal Husbandry: The sector offered an excellent employment avenues to landless labour, small and marginal farmers and rural women for the last two years as an alternative sources of income during the drought situations. There is a need for promoting dairy/poultry / sheep rearing as an option for every farmer in the district so as to provide assured source of income during the years of drought. There is a good scope for the sheep rearing activity in the district due to the presence of a large number of shepherd community. A chunk of disbursements to SHGs are using for the activity. Keeping the demand for the sector and various government promotional programmes, higher potential have been estimated at ` 255.53 crore for the year 2016-17. Agriculture Infrastructure and Ancillary Activities: The district has a lot of scope for agriculture infrastructure and ancillary activities viz., land development, storage facilities, financing to landless agricultural labour for purchase of land, food and agro processing, promotion of Farmers Producers Organisations in watershed areas, etc. The credit assessed under the sector for the year 2016-17 is ` 172.56 crore. MSME Activities: The area is rich in mineral deposits and supplies. Trade in mineral based industry is flourishing. The district is also richly endowed with horticultural resources. There is a vast potential for setting up mineral based industries in the category of limestone, barytes, asbestos, Kadapa slabs, skill based industries like wood crafts, brass metal, handlooms, etc. Taking the investments towards MSME sector, working capital requirement and agro processing industries into consideration, the credit requirement under the sector has been estimated at ` 805.27 crore. Keeping in view the revised PSL, availability of raw material, policies of Govt of Andhra Pradesh, a higher potential is estimated for the year 2016-17. Export Credit: Although the barytes powder and mineral is exported from the district, the Companies are availing export credit elsewhere. It is reported that a sizeable quantity of KP

onion, turmeric and dupion silk are being exported by traders to Singapore, Malaysia, Japan, Indonesia and Gulf Countries either from Chennai or Mumbai. An amount of ` 35.00 crore is estimated under export credit for the year 2016-17. Other Activities: The district is centrally located in the Rayalaseema region with good infrastructure and connectivity which offers a good scope for medium and large industries due to its rich mineral resources and horticulture crops. Further, the presence of 3 Medical colleges, 24 Engineering colleges, 7 Polytechnics, one college each in Horticulture and Veterinary sciences, 5 MCA, 3 Management colleges, 11 University PG colleges besides 53 degree colleges in the district boosts the growth in education, housing, renewable energy, social infrastructure, SRTO, Retail business, SHGs, etc. The potential estimated under other activities for the year 2016-17 is 1093.75 crore. As directed by the Government of India/RBI, NABARD has initiated various interventions to boost the capital formation in agriculture and allied sectors. A separate fund of 15,000 crore, allocated to NABARD for the purpose of providing refinance support to Cooperative Banks and Regional Rural Banks for financing Long term Agriculture projects. Concessional rate of refinance (0.5% less than the applicable ROI from time to time) for specific innovative / thrust areas for various activities under plantation and horticulture and area based schemes under banking plan. Further, the NABARD convened State Level Unit Cost Committee to fix the unit cost for various activities in the State during the year 2015-16. NABARD has been assisting State Governments in completion of ongoing rural infrastructure projects and also to take up new infrastructure projects. NABARD has set up Rural Infrastructure Promotion Fund (RIPF) with an objective to support activities required for promotional efforts of RIDF. There are 175 projects with financial assistance of Rs.357 crore are under implementation for different purposes in the district. During 2014-15, an amount of Rs.78.60 crore has been sanctioned under RIDF XX covering different departments. Thirty four activities are eligible for sanction under RIDF. Financial support under Financial Inclusion Fund is available from NABARD for issuance of Rupay Kisan Cards and establishment of POS/Micro ATMs at the field level and other technological innovations by RRBs/DCCBs. A lot of programmes have been conducted to create awareness on different banking options available including PMJDY, PMSBY, PMJJBY, APY, etc. Three FLCs and 150 Financial Literacy Awareness Campaigns were sanctioned in the district to spread the financial literacy among the rural masses. There is an urgent need to focus on investment credit for enhancing capital formation in agriculture and allied sectors so that the assets can generate income over a period of time to farmers. Construction of rainwater harvesting structures and artificial recharge structures should be taken up scientifically in the overexploited mandals. Exploring the possibilities of diversion of surface water through canals/pipes for filling up of existing dried up tanks in over-exploited mandals.

Development and strengthening of industrial, handicraft and handloom clusters, wood works and brass metal cluster with appropriate skills and capacity building would boost employment opportunities besides enhancing the income to the artisans in the district. Coordinated efforts required from Bankers as well as from the Government to provide required credit along with training on skill and marketing. Further, the reporting GLC should be stabilized so as to enable for better monitoring and review at JMLBC, DCC meetings, etc.

Broad Sector wise PLP projections - 2016-17

(` lakh)

Sr. No.

Particulars PLP Projections

2016-17

A Farm Credit

i Crop Production, Maintenance and Marketing 307587.93

ii Term Loan for agriculture and allied activities 91920.07

Sub Total 399508.00

B Agriculture Infrastructure 8822.75

C Ancillary activities 8434.24

I Credit Potential for Agriculture (A+B+C) 416764.99

II Micro, Small and Medium Enterprises 80527.00

III Export Credit 3500.00

IV Education 8685.00

V Housing 36520.00

VI Renewable Energy 2420.40

VII Others 58250.00

VIII Social Infrastructure involving bank credit 1656.00

Total Priority Sector (I to VIII) 608,323.39

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

(` lakh)

Sr. No.

Particulars PLP Projections 2016-17

I Credit Potential for Agriculture A Farm Credit I Crop Production, Maintenance and Marketing 307587.93

Ii Water Resources 10125.10 Iii Farm Mechanisation 23793.75 Iv Plantation and Horticulture (including sericulture) 13354.36 V Forestry and Waste Land Development 1530.81

Vi Animal Husbandry – Dairy 15540.64 Vii Animal Husbandry – Poultry 1489.05

Viii Animal Husbandry – Sheep, Goat, Piggery, etc. 8523.60 Ix Fisheries (Marine, Inland, Brackish water) 51.56 X Others – Bullock, Bullock cart, etc. 17511.20 Sub Total 399508.00

B Agriculture Infrastructure I Construction of storage facilities (Warehouses, Market yards,

Godowns, Silos, Cold storage units/ Cold storage chains) 1278.75 Ii Land development, Soil conservation, Watershed development 4754.00

Iii Others (Tissue culture, Agri bio-technology, Seed production, Bio pesticides/ fertilizers, Vermin composting) 2790.00

Sub Total 8822.75 C Ancillary activities I Food and Agro processing 6094.24

Ii Others (Loans to Cooperative Societies of farmers for disposing of their produce, Agri Clinics/ Agri Business Centres, Loans to PACS / FSS/ LAMPS, Loans to MFIs for on lending) 2340.00

Sub Total 8434.24 Total Agriculture 416764.99

II Micro, Small and Medium Enterprises I MSME – Working capital 35162.00

Ii MSME – Investment credit 45365.00 Total MSME 80527.00

III Export Credit 3500.00 IV Education 8685.00 V Housing 36520.00 VI Renewable Energy 2420.40 VII Others (Loans to SHGs/ JLGs, loans to distressed persons to prepay non-

institutional lenders, PMJDY, loans to state sponsored organisations for SC/ST) 58250.00

VIII Social Infrastructure involving bank credit 1656.00

Total Priority Sector 608,323.99

Major Crops/ Activities Production (in Million MTs.)

Paddy

0.24

Onion

0.10

Cotton

0.11

Banana

0.60

Papaya

0.47

Mango

0.23

Total Geographic Area : 15359 sq km

Gross Cropped Area : 419148 Ha

River : Penna

Percentage area under

agri and allied activities : 71.76 %

At a Glance

Agricultural Research Stations --Utukur

College of Food Technology -- Pulivendla

Horti. College & Research Station --Anantarajupeta

KVK – Utukur

PLP 2016-17 YSR KADAPA

7

District - Division -

15359

3

12

884

790

1535900 Normal 2012-13 2013-14 2014-15

501000 699.60 541.90 700.40 395.60

403092 -157.70 0.80 -304.00

9674 Balance

6836 46930

46048

139454

72476 Nos. % to Total Ha. % to Total

357320 219670 52 109348 20

419148 116239 28 167666 30

61828 84193 20 280065 50

117 420102 100 557079 100

420 Total Male Female Rural Urban

336 2882 1452 1430 1903 979

299 466 238 228 NA NA

49 75 39 36 NA NA

233 1717 995 722 NA NA

332 211 NA NA NA NA

706 500 706

478 955 villages 73

211 706 105

884 3261 90

615 72 7

823 463 1400

884

859 1090 130000

263 153631 121224

832 4896 45

514 NA 5

4144 107

569250 2355 186

455200 NA 1

115023

21838 12 1

113494 5730 40

356 195 72693

2318 1946 2

138006 16195 1250

No of units Cap.[MT]

370 12300 Area (Ha) Prod. (MT) Area (Ha) Prod. (MT)

NA NA 59561 189623 47000 247600 4225

4 5 8065 3072 9079 2270 315

Nil Nil 57057 40392 27000 24800 813

Nil Nil 97281 123336 68000 40800 934

NA NA 12125 17096 15000 21200 1412

4 35000 29439 113646 550

Nil Nil 53028 9779 615

3 15

Category of animal Total Male Female 247 3

Cattle - Cross bred 636252 118170 518082 1 650

Cattle - Indigenous 139341 30338 109003 366 30

Buffaloes 528919 61986 466933 1 3

Sheep - Cross bred 163 97 66 1 Nil

Sheep - Indigenous 1403061 351096 1051965 40 Nil

Goat 457896 137645 320251 NA 5

Pig - Cross bred 60 21 39

Pig - Indigenous 9309 3752 5497 Fish 874 NA

Horse/Donkey/Camel 226 132 94 Egg 1408 47

Poultry - Cross bred Milk 368 337

Poultry - Indigenous Meat 25000 237

District Profile

Kadapa State - Andhra Pradesh Rayalaseema

1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE

Total Geographical Area (Sq.km)Agro-climatic Zone Zone 10 southern Plateau and hill zone

No. of Sub Divisions

No. of Blocks Climate semi arid

No. of Villages (Inhabited)Soil Type Red soils 53% and black soils 47%

No. of Panchayats

3. LAND UTILISATION [Ha] (2014-15) 4. RAINFALL & GROUND WATER

Total Area Reported

Rainfall [in mm]Actual

Forest Land

Area not available for cultivation Variation from Normal

Permanent pasture and grazing land Availability of Ground

Water [Ham]

Net annual recharge Net annual draft

Land under Miscellaneous Tree Crops 115361 68431

Cultivable Wasteland 5. DISTRIBUTION OF LAND HOLDING

Current FallowClassification of Holding

Holding Area

Other Fallow

Net Sown Area <= 1 Ha

Total or Gross Cropped Area >1 to <=2 Ha

Area Cultivated More than Once >2 Ha

Cropping Inensity [GCA/NSA] Total

6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000] Census 2011

Cultivators Category

Of the above, Small/Marginal Farmers Population

Agricultural Labourers Scheduled Caste

Workers engaged in Household Industries Scheduled Tribe

Workers engaged in Allied Agro-activities Literate

Other workers BPL Households

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

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

Rural Households Having source of drinking water Having independent toilets

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

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

Villages Electrified Anganwadis Dispensaries

Villages having Agriculture Power Supply Primary Health Centres Hospitals

Villages having Post Offices Primary Health Sub-Centres Hospital Beds

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

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

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

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

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

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

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

Irrigation Potential Created Threshers/Cutters [Nos]Krishi Vigyan

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

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

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

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

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

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

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

Avg. Yield

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

Sugarcane (Gur/Khandsari/Sugar) Paddy

Type of Processing ActivityCrop

2013-14 2014-15

Fruit (Pulp/Juice/Fruit drink) Redgram

Spices (Masala Powders/Pastes) Groundnut

Dry-fruit (Cashew/Almond/Raisins) Bengalgram

Cotton (Ginnining/Spinning/Weaving) Jowar

Milk (Chilling/Cooling/Processing) Cotton

Meat (Chicken/Motton/Pork/Dryfish) Sunflower

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

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

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

Poultry hatcheries [Nos]

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

Production [MT]

Disease Diagnostic Centres [Nos] Milk Collection Centres

Artificial Insemination Centers [Nos] Fishermen Societies [Nos]

Per cap avail. [gm/day]

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

Improved Fodder Farms [Nos] Slaughter houses [Nos]

Per cap avail. [gm/day]

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

Production [MT]

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

Dairy Cooperative Societies [Nos]

Sources (if not mentioned against the

respective item):

Item Nos. 1, 6, 7, 9 & 10 - Census 2001; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources; Item No. 8 - BPL

Survey 2002; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DA

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

1562509 NA NA

PLP 2016-17 YSR KADAPA

10

District - State -

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

Commercial Banks 29 224 72 77 75 NA NA 103 4 3152

Regional Rural Bank 1 97 70 16 11 NA NA 225 10 7278

District Central Coop. Bank 1 24 8 10 6 NA NA NA 40 29417

Coop. Agr. & Rural Dev. Bank NA NA NA NA NA NA NA NA NA NA

Primary Agr. Coop. Society 77 77 77 NA NA NA NA NA 12 9169

Others 1 1 NA NA 1 NA NA NA NA NA

All Agencies 109 423 227 103 93 0 0 328 2 1669

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

Commercial Banks 2301840 2530155 2965743 17.22 74.24 479389 566375.52 595815.02 5.20 77.28

Regional Rural Bank 728299 728034 776078 6.60 19.43 105544 120981.12 157517.54 30.20 20.43

Cooperative Banks 101735 109061 252857 131.85 6.33 11985 15271.6 17685.27 15.80 2.29

Others NA NA NA NA NA NA NA NA NA NA

All Agencies 3131874 3367250 3994678 18.63 100.00 596918 702628 771017.83 9.73 100.00

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

Commercial Banks 482877 527663 543083 2.92 64.07 577270.32 788413.38 768198.86 -2.56 78.56

Regional Rural Bank 228426 205418 201546 -1.88 23.78 150260.09 163247.58 166782.6 2.17 17.06

Cooperative Banks 98696 109350 103012 -5.80 12.15 37529.59 45052.38 42895.99 -4.79 4.39

Others NA NA NA NA NA NA NA NA NA NA

All Agencies 809999 842431 847641 0.62 100.00 765060.00 996713.34 977877.45 -5.18 100

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

Commercial Banks 120.63 135.78 128.93 NA NA NA NA

Regional Rural Bank 137.99 134.93 105.88 NA NA NA NA

Cooperative Banks 395.18 295.01 242.55 NA NA NA NA

Others NA NA NA NA NA NA NA

All Agencies 128.17 141.92 126.83 0 NA 0 NA

Commercial Banks 62232967 74.5 38941594 71.9 9199655 89.95 3187100 100.00 7419604 68.2

Regional Rural Bank 13992123 20.3 11343103 20.8 1943755 4.5 NIL NIL 5129196 28.9

Cooperative Banks 4028675 5.3 3455588 7.3 824200 5.6 NIL NIL 431110 2.9

Others NA NA NA NA NA NA NA NA NA NA

All Agencies 80253765 100 53740285 100 11967610 100 3187100 100 12979910 100

Commercial Banks 21475400 20403800 95.01 24316100 25021306 102.90 31327200 21384647 68.26 88.7

Regional Rural Bank 8266000 9570700 115.78 9888400 8625517 87.23 8765290 6204944 70.79 91.3

Cooperative Banks 2589100 2026700 78.28 3105600 3258182 104.91 3600100 2762442 76.73 86.6

Others 0 0 0.00 1140900 1484388 0.00 500000 358800 0.00 0.0

All Agencies 32330500 32001200 98.98 38451000 38389393 99.84 44192590 30710833 69.49 89.4

Crop Loan 16567000 17271800 104.25 20046000 24968644 124.56 23723890 16904031 71.25 100.02

Term Loan (Agr) 6988500 3515700 50.31 8171000 4148204 50.77 9122100 5530191 60.62 53.90

Total Agri. Credit 23555500 20787500 88.25 28217000 29116848 103.19 32845990 22434222 68.30 86.58

Non-Farm Sector 2418000 6679900 276.26 2780000 2286809 82.26 3078500 4606285 149.63 169.38

Other Priority Sector 6357000 4533800 71.32 7454000 6985736 93.72 8268100 3670326 44.39 69.81

Total Priority Sector 32330500 32001200 98.98 38451000 38389393 99.84 44192590 30710833 69.49 89.44

Commercial Banks 122323 89891 73.49 137834 102162 74.12 151962 111357 73.28 73.63

Regional Rural Bank 79424 58314 73.42 89337 67820 75.91 98494 73924 75.05 74.80

Cooperative Banks 24082 12168 50.53 28077 14614 52.05 30955 1599 5.17 35.91

Others NA NA NA NA NA NA NA NA NA NA

All Agencies 225829 160373 71.02 255248 184596 72.32 281411 186880 83.1 75.48

Sources : Lead Bank & SLBC

Demand

[Rs. '000]

Recovery

[Rs. '000]

Demand [Rs.

'000]

Recovery [Rs.

'000]

Recovery

[%]

Recovery

[%]

Demand

[Rs. '000]

Recovery

[Rs. '000]Recovery [%]

Ach'ment [%]Target

[Rs.'000]

Ach'ment [Rs.

'000]

Ach'ment

[%]

9. RECOVERY POSITION

Agency

30.06.2012 30.06.2013 30.06.2014 Average

Rec. [%] in

last 3 years

Broad Sector

2012-13 2013-14 2014-15 Average

Ach[%] in

last 3 years

Target

[Rs.'000]

Ach'ment

[Rs. '000]

Ach'ment

[%]

Target

[Rs.'000]

Ach'ment

[Rs. '000]

Ach'ment

[Rs. '000]Ach'ment [%]

Target

[Rs.'000]

Ach'ment [Rs.

'000]

Ach'ment

[%]

8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS

Agency

2012-13 2013-14 2014-15 Average

Ach[%] in

last 3 years

Target

[Rs.'000]

Ach'ment

[Rs. '000]

Ach'ment

[%]

Target

[Rs.'000]

Amount

[Rs.'000]

% of Total

Loans

Amount

[Rs.'000]

% of Total

Loans

Amount

[Rs.'000]

% of Total

Loans

Agency

Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women

Amount

[Rs.'000]

% of Total

Loans

Amount

[Rs.'000]

% of Total

Loans

Commercial Banks

Regional Rural Bank (A/c)

Cooperative Banks

Others

All Agencies

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

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

AgencyCD Ratio

AgencyDuring 2014-15 Cumulative

AgencyNo. of accounts Amount of Deposit [Rs.'000]

3. LOANS & ADVANCES OUTSTANDING

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

AgencyNo. of

Banks/Soc.

No. of Branches No. of non-formal agencies assoiated Per Branch Outreach

1

Banking Profile

Y S R KADAPA Andhra Pradesh Lead Bank - Syndicate Bank

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