State Focus Paper 2016-17
ASSAM
EXECUTIVE SUMMARY
Introduction
 NABARD, as an apex level developmental financial institution, is intensely associated, inter alia,
in the decentralized planning process with the preparation of potential based credit plan both at
the district and state level on annual basis. At the state level, ‘State Focus Paper’ is prepared
which presents an aggregation of the district level projections made in the annual Potential
Linked Plans (PLP). The basic objective of such planning exercise is to assess the credit potential
keeping in view the sector specific physical potential, infrastructure support, forward and
backward linkages, local skills and natural resources and credit absorption capacity of the sector.
The credit projection is also fine tuned by factoring in the priorities and the policies of the GoI,
State Govt. and the RBI. Keeping in view the importance of capital formation in enhancing
production and productivity of the agriculture sector, the State Focus Paper: 2016-17 has
adopted the theme ‘Accelerating the Pace of Capital Formation in Agriculture and
Allied Sector in Assam’.

Private sector constitutes almost 80 per cent of the capital formation in agriculture. Investment
Credit has emerged as the major driver thereby emphasizing the role of Banks to boost farm level
investments. Accordingly, special emphasis has been given on identifying critical infrastructure
gaps, constraints relating to infrastructure and other support services that hinder the flow of
ground level credit.
Assam- Important Features
 Assam, the gateway to North East India, is the largest state in the North-East with a geographical
area of 78,438 sq.km. The State has 27 districts, 56 Sub Divisions, 219 blocks, 26395 inhabited
villages, 382 (Agriculture Development Officer) Circles and 2948 Village Level Extension
Workers (VLEWs). The State has a three-tier system of Panchayats.
 As per Census of India 2011, the population of Assam is 3.12 crore with a density of 398
population per sq. km. The rural and urban population of the State is 268.07 lakh (85.90%) and
43.98 lakh (14.10%) respectively. Male population is 159.39 lakh (51.19%) and female population
is 152.66 lakh (48.81%).
 Assam is basically an ‘agrarian economy’ as it provides employment to about 53% of the rural
population. It is the main source of livelihoods for the majority of the people in rural areas. The
total workforce of the State as per 2011 census was 120 lakh, constituting 38% of the total
population. Of these, 87 lakh were main workforce and 33 lakh marginal workers. Cultivators and
agricultural labourers were 9 lakh and 2 lakh respectively.
 As per Agricultural Census 2010-11, there were 27.20 lakh operational holdings in the State
covering an area of about 29.99 lakh ha. The marginal holdings with less than 1 ha of land
accounted for 67% of total holdings and 25.80% of the total area of operation in the State. The
small holdings between 1 to 2 ha constituted 18.25% of the total holdings and 22.91% of the total
operational area. On the other hand, the large land holdings (10 ha and above) constituted 0.15%
of the total number of holdings and 9.10% of the total operated area in the State. The remaining
operational holdings and area of operation were under Semi Medium (2 to 4 ha) and Medium (4
to 10 ha).
Agricultural Scenerio in the State
 Net area sown in the State stood at 28.1 lakh ha out of which 6.47 lakh ha, constituting 23.04%
of net cropped area, was under irrigation. The cropping intensity in the State is 148%. The gross
irrigation potential has been estimated at 27 lakh ha which is 67.5% of gross cropped area. Out
of this, 10 lakh ha is proposed to be covered through minor irrigation project from ground water,
7 lakh ha through minor irrigation project from surface water and 10 lakh ha is proposed to be
irrigated through major and medium irrigation project from surface water.
 The State is divided into 6 Agro Climatic Zones (Lower Brahmaputra Valley Zone comprising 10
districts, North Bank Plain Zone comprising 5 districts, Central Brahmaputra Valley Zone
comprising 2 districts, Upper Brahmaputra Valley Zone comprising 5 districts, Barak Valley
Zone comprising 3 districts and Hill Zone comprising 2 districts). Paddy, pulses and oil seeds
are the major food crops. Major fruits grown in the State are banana, pineapple, papaya, orange,
Assam lemon and jackfruit. Amongst plantation crops, tea commands the most important place
in the State. Vegetable is grown in 3.65 lakh ha.
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ASSAM
Banking Scenario
 As on 31 March 2015, the State was served by a network of 2147 branches of 34 Commercial
Banks (CBs), 2 Regional Rural Banks and the State Cooperative Bank, up from 2049 branches
as on 31 March 2014. The per branch population on that date stood at 14534 (Census of India
2011), as against 15212 as on 31 March 2014.
 State Bank of India is the Convener of the State Level Bankers’ Committee (SLBC) and is also
the Lead Bank in 6 districts of the State. Two other banks viz. United Bank of India and UCO
Bank have Lead Bank responsibilities in 12 and 9 districts respectively.
 As on 31 March 2015, the aggregate deposits of all banks operating in the State stood at
`100833.99 crore, registering a growth of 16% over 2013-14. During the year 2014-15, the major
share of deposits had been garnered by the CBs (90%) followed by RRBs (8%). The market share
of ACAB was a meagre 2%.
 As against the target of `10012 crore under the Annual Credit Plan for the year 2014-15,
an amount of `6128 crore was disbursed, recording an achievement of 61%. The
disbursement, however, recorded a negative growth of 5.34% over the previous year.
 CD Ratio of all banks in the State stood at 42.79% as on 31 March 2015, much lower than the
prescribed norm of 60%. The inter-bank variations are high and as many as 22 banks operating
in the state had CDR below 40%. Further, 11 districts in the State had CD Ratio less than 40% as
on 31 March 2015.
NABARD Initiatives & Related Developmental and Promotional Supports in the State
 NABARD provides refinance for crop loans at concessional rate of interest to State Cooperative
Banks (StCBs) and Regional Rural Banks (RRBs), which was `97.06 crore during 2014-15.
The interest subvention and interest incentive scheme for Short Term crop loan is continuing
during 2015-16.
 NABARD’s total refinance amount under Short Term and Investment Credit was `343 crore
during 2014-15. Refinance under Investment Credit to banks was `246 crore during 2014-15
while short term refinance credit was `97 crore. Banks may focus on the potential term lending
opportunities viz. livestock, fisheries, horticulture, spices & condiments, micro irrigation, agro
& food processing, etc. for increasing credit flow under investment credit in Assam.
 “Long Term Rural Credit Fund”, set up with an initial corpus of ` 5,000 crore with
NABARD for the purpose of providing refinance support to Cooperative Banks and Regional
Rural Banks for financing long term agriculture projects for accelerating capital formation in
agriculture and allied sector was allocated. The fund was augmented with an additional amount
of `15000 crore during the year 2015-16.
 In Assam, SHG-Bank Linkage Programme is being implemented in all the 27 districts of the
State. As on 31 March 2015, the cumulative number of savings linked SHGs was 3.19 lakh and
credit linked SHGs was about 2.49 lakh. During 2014-15, 9174 JLGs have also been formed and
financed, taking the cumultive number of JLGs promoted in the State to 30828 involving a loan
of ` 244.94 crore. Micro Enterprise Development Programmes (MEDPs), Capacity building
training programmes for members of SHGs, and various stakeholders are given thrust.
 “Inclusive” participation from all strata of the society along with the benefits of efficient payment
mechanism, access to credit and cost efficient products is essential to empower the currently
unbanked population to participate and drive the growth of the economy. As per Census 2011,
there were 26395 villages in the state, of which 24540 villages have been allotted to various
banks. During 2014-15, 167 Financial Literacy camps were conducted all over the state covering
about 13133 participants through road shows and distribution of publicity material, thus
spreading the message among the rural masses on benefits of having a bank account.
NABARD provided grant support for printing of Financial Literacy material to SLBC. As on 30
November 2015, the Lead Banks in the State viz. SBI, UBI and UCO Bank have set up 27
Financial Literacy Centres for dissemination of information and spreading financial literacy
amongst the masses.
 Under Financial Inclusion, support is provided under Financial Inclusion Fund (FIF) for
Switching Fee and Interchange/ Transaction Charges for KCC transactions only on an ATM
other than the parent bank. In addition, the Cooperative Banks are provided with add-on support
for installation of ATMs and data migration/feeding of PACS data to CBS platform. FITF also
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State Focus Paper 2016-17
ASSAM
supports schemes to cater to the requirements of the rural people and creates awareness of the
different banking options available for them. The scheme also includes demonstration of
Banking Technology through Mobile Van to rural masses.
 NABARD has been closely associated with the implementation of a comprehensive Tribal
Development Programme through “Wadi” approach. For this purpose, NABARD has created a
dedicated fund called “Tribal Development Fund”(TDF). In all 6 projects have been
sanctioned under TDF in the State with total financial assistance of ` 1166.69 lakh covering 2800
tribal families. Of these, 3 projects are currently being implemented with 2 NGOs as Project
Implenting Agencies involving financial assistance to the tune of ` 6.68 crore. The projects
covers 1400 families in 5(five) districts with rubber plantation, orange, pineapple, mango,
cashew, bamboo and other livelihood activities.
 NABARD has set up the Farm Sector Promotion Fund (FSPF) to promote technology transfer
and innovations in the field of Agriculture and Allied Sectors. Grant assistance is made available
to address the need of farmers for transfer of technologies as well as to facilitate promotion of
commercial operations including market-linkages, formation of Producers’ Organisations,
Federation of Farmers' Clubs, exposure visits, etc.
 To augment the efforts of the State Govt. in strengthening the rural infrastructure in the State,
NABARD has sanctioned cumulatively `3930.22 crore under RIDF for various infrastructure
projects such as roads and bridges, irrigation, flood control structures, soil conservation, animal
husbandry, fisheries, Small Hydel Projects, Handloom Development and sericulture, marketing
infrastructure, etc. During the current financial year (as on 31.12.2015), the State Government
has drawn `248.85 crore for implementation of sanctioned RIDF projects.
 Infrastructure projects which required to be taken up on priority basis are also assesed in the
PLPs for each districts. Preparation of Infrastructure Master Plan for each District to identify
and bridge infrastructure requirements/gaps in rural connectivity, water resources, power, and
other infrastructure required for agriculture and social sectors. Provision of infrastructure
facilities like electricity, cold storage, processing units, marketing infrastructure, etc. for
Horticulture produce. Construction of Veterinary Dispensaries / Cattle Breeding centres, Meat
Processing Plants and Milk Chilling Plants have also been sanctioned.
 To supplement the resources for creation of rural infrastructure, NABARD has designed
“NABARD Infrastructure Development Assistance (NIDA) scheme” as an off budget product for
State Governments and other State owned Organisations with an aim to fund Rural
Infrastructure creation by providing assistance outside of RIDF on flexible terms.
 In Union Budget for 2014-15, a separate fund namely ‘Warehousing Infrastructure
Fund(WIF) 2014-15’ with a corpus of `5000 crore has been created for providing loans for
creation of storage infrastructure including Warehouses, Silos, Cold Storage, controlled
atmosphere stores, other cold chain infrastructures like pack houses, reefer vans, bulk coolers,
individually quick frozen units, chilling/freezing infrastructure, etc.
 As an initiative, Producer’s Development and Upliftment Corpus (PRODUCE) with ` 200 crore
has been set up to supplement NABARD’s Producers’ Organization Development Fund for
promoting 2,000 producers organizations across the country in two years, commencing 201415.
 Government of India (GoI) has accorded top priority for the development of the food processing
industry. Accordingly, a Special Fund of `2000 crore is set up in NABARD to make available
affordable credit to agro-processing units being designated as Food Parks. The Fund, designated
as Food Processing Fund – 2014-15, will be provided by NABARD either directly or through
consortium arrangements with other financing agencies. State Governments, entities promoted
by State / Central Governments, Joint ventures, Cooperatives, Federation of Cooperatives, SPVs,
Farmers’ Producers Organizations, Corporates, Companies, Entrepreneurs, etc., may avail loan
from this Fund for establishing the designated Food Parks and also for setting up of individual
food/agro processing units in the designated Food Parks.
 A dedicated fund, named ‘Off farm Sector Promotion Fund’ which has been
operationalized from October 2014 has been created by merging Rural Innovation Fund (RIF),
Rural Promotion Fund (RPF) and Rural Non-Farm Sector (RNFS) for supporting innovations,
promotional programmes, loan based activities in rural areas with focus on various Off Farm
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State Focus Paper 2016-17
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Development activities, rural sanitation, housing, health, tourism, solar/bio energy, skill
building, transportation, technology development, rural services etc.
 Area Based Schemes:
Area based schemes for pre-dominant activities in the districts have been identified and
incorporated in the PLPs for 2016-17. The focus is to give thrust to the identified sector/activity
by enhancing term loan disbursements through an implementable banking plan.
Implementation of area based schemes is a coordinated effort of DDM, NABARD Lead Bank,
other Banks, line departments and other important stakeholders in respective districts.
NABARD, Assam RO has prepared two banking plans with an investment outlay of `45.63 crore
for Dairy Sector Development covering 06 districts viz. Golaghat, Jorhat, Nagaon, Dhemaji,
Lakhimpur and Sonitpur with refinance support. Besides, two Dairy clusters are being promoted
under Area Development Schemes in Barpeta and Dibrugarh.
Credit Potential and Sector Wise Action Points:
 NABARD has been preparing the Potential Linked Credit Plan (PLP) for each district since 198990 with the objective of assessing the exploitable potential for credit dispensation under various
sectors. This is a systematic and comprehensive exercise carried out by adopting participative
and consultative approach involving all stakeholders in the field of agriculture and rural
development.
 The District Credit Plans (DCP) are prepared each year on the basis of the Potential Linked
Credit Plans prepared by NABARD. The sector-wise details of the potential available in different
sectors (as indicated in the PLPs) are communicated to the LDMs and in turn to bank branches
in the district. The branches, in turn, prepare branch credit plans which are aggregated to make
block credit plans. This is aggregated by the LDM to prepare the DCP. The district plans are
launched on 01 April of each year.
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State Focus Paper 2016-17
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 The aggregated sector wise PLP projections for the State for 2016-17 is given below :
(` crore)
Sr. No.
Particulars
I
A
i
ii
iii
iv
v
vi
vii
viii
ix
x
B
i
Credit Potential for Agriculture
Farm Credit
Crop Production, Maintenance, Marketing
Water Resources
Farm Mechanization
Plantation & Horticulture
Forestry and Wasteland Development
Animal Husbandry - Dairy
Animal Husbandry - Poultry
Animal Husbandry -Sheep/Goat/Piggery
Fishery
Others
Sub Total
Agriculture Infrastructure
Storage Facilities
ii
Land Development, Soil Conservation, Watershed Development
iii
Others
Sub Total
Ancillary Activities
Agro & Food Processing Sector
Others
Sub Total
Total Agriculture
Micro, Small and Medium Enterprises
MSME - Term Loan
MSME - Working Capital
Total MSME
Export Credit
Education
Housing
Renewable Energy
Others
Social Infrastructure
Total Priority Sector for the district
C
i
ii
D
II
III
IV
V
VI
VII
VIII
Grand Total
7
3841.94
199.12
417.59
439.97
45.33
365.91
363.14
312.13
141.98
19.42
6146.53
298.80
53.67
27.76
380.23
178.47
43.22
221.68
6748.44
2341.17
448.03
2789.20
235.40
364.62
1249.71
110.00
484.05
161.61
12143.03
State Focus Paper 2016-17
ASSAM
Major Action Points in various Sectors
FARM CREDIT
Crop Production, Maintenance and Marketing:
 Department of Agriculture to associate with the banks in identification of beneficiaries for
implementation of KCC Scheme in the State and also increasing borrowers’ awareness so as to
encourage them to take up rabi crops. State Government may give wide publicity about the
scheme. KCC may include add on services like marketing of produce of farmers.
 Stamp duty exemption limit on agricultural loans may be enhanced to at least `1 lakh by the
State Government.
 To facilitate the loaning process, computerisation of land records may be taken up on priority
basis.
 Banks should conduct a study of inoperative accounts under KCC and come out with suggestions
so as to make these accounts operative.
Water Resources:
 To speed up creation of/revival of defunct Water Users Associations (WUAs) in command areas.
Irrigation projects should be handed over to WUAs for effective management, operation and
maintenance.
 Expansion of MI projects to uncovered areas so as to enable area expansion for crop cultivation
and promotion of horticulture.
 Block-wise availability of ground and surface water needs to be assessed. Hydro-geological
maps delineating and identifying geological/structural controls as also areas amenable to
natural recharge with recommendations of cost effective design specifications for Ground
Water Structures needs to be worked out.
 Banks to implment to CSS on Capital Subsidy Scheme to install 10,000 solar photovoltaic (spv)
Water Pumping systems for irrigation purpose. Details scheme can be accessed from
url:https://www.nabard.org/english/installation_of_solar.aspx
Farm Mechanisation:
 Banks may promote and extend credit facilities to SHGs, JLGs, etc. for purchase of power tillers,
tractors and other agriculture equipments.
 Rural unemployed youth may be imparted training in repair and servicing of farm machinery
in institutes like CFMTTI, Sonitpur. Steps may be initiated for custom-hire of farm implements,
community farming through SHGs with the help of the NGOs for introducing farm
mechanisation. Similarly, Field Management Committees (FMCs) can be actively encouraged
to adopt farm mechanisation.
Plantation and Horticulture (including Sericulture):
 Non-availability of important and vital infrastructure facilities like electricity, cold storage,
processing units, marketing infrastructure, etc. results in a large portion of horticulture produce
is being lost. Provision of infrastructure facilities like electricity, cold storage, processing units,
marketing infrastructure, etc.

Supply of quality planting materials in time during the planting season through established
nurseries. Promotion of suitable MAPs (patchouli, vetiver, citronellal lemongrass,
sarpagandha, pippali/ long pepper, buch, brahmi, etc.) in Assam with involvement of RRL,
AAU, NEDFi and processors.

Bringing the beneficiaries of Technology Mission on Horticulture into the formal credit
network. Formulate Area Development Schemes on important crops like orange, Assam lemon,
jack fruit and Medicinal and Aromatic plants (MAPs) and implement banking plans.

Muga Silk of Assam has been accorded GI status. Better extension facilities for adoption of
modern technologies and scientific cultivation practices by the farmers. Supply of quality
planting materials in time during the planting season through established nurseries.

Banks to extend credit for financing muga rearing, reeling and weaving.
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State Focus Paper 2016-17
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Forestry and Wasteland Development:
 Awareness and extension services need to be strengthened. Various schemes of the State Govt. /
Department including Bamboo Mission for fuel wood plantation, cultivation of medicinal and
aromatic plants, etc., to be given wider publicity. Efforts may be made to have proper
coordination with NGOs, Farmers Clubs, Banks, etc.
 Organise Workshop / Seminar for creating awareness and promoting forestry in potential areas
in association with Forest Department, local NGOs, etc.
 Due importance to the sector may be given and the same may be reflected in the District Annual
Credit Plans and progress reviewed in the DCC, DLRC, SLBC meetings. Implementable Banking
Plan for financing forestry activities may be prepared.
Animal Husbandry - Development of Dairy, Poultry and Sheep/ Goat/ Piggery:
 Shifting of focus from veterinary healthcare to breed improvement on scientific lines to increase
productivity
 In addition to breed improvement programmes, milk yield per cattle is to be monitored
 Animal husbandry being a significant source of supplementary income needs massive effort to
fulfill the requirement of feed and fodder for such a large livestock population
 There is a need to set up at least one pig training cum production centre in each district.
 Emphasis may be given for financing POs/JLGs and women beneficiaries through Women SHGs
and setting up of large commercial dairy units.
 Banks may actively participate under the Government of India centrally sponsored scheme on
pig development, DEDS, Integrated development of small ruminants and rabbits and Poultry
Venture capital fund (subsidy) scheme.
Fisheries Development:
 Bankable models on various fishery schemes including Beel Fisheries and Ornamental Fisheries
may be attempted by banks. Financial assistance through mode of KCC to be encouraged. Good
working SHG/JLGs may be financed for taking up investment activities.
 Area Development Schemes indicating specifically a few villages having Concentration of ponds
& tanks may be formed with the help of NABARD.
 Fish being land-based activity, agricultural land may be accepted by banks as collateral.
 Departments concerned with land development/flood control measures may include fisheries as
one of the components to ensure integrated development of the area.
 There is a need for imparting training to local unemployed youths in pisciculture and in induced
breeding for production of quality fish seed.
 There is a need for effective implementation of Assam Fish Seed Act, 2005.
 State government may plan for establishing infrastructure support like Opening/desiltation of
intake canal of beels, ornamental fish hatcheries, fish jetties on the banks of river Brahmaputra,
modern fishermen village with all the infrastructure like approach roads, etc., and renovation of
existing water-bodies.
Other Agriculture Term Loan:
Other items of investments which require investment term loan like bullocks, bullock carts, etc. are
crucial for taking the agenda of rural development forward in the absence of other faster means of
transport or compatible roads. Banks may extend necessary financial assistance for the sector.
Storage, Godown and Market Yards:
 There is a good potential for development of Agricultural Marketing Infrastructure with Private
Sector Participation. Government may take suitable steps.
 Need for modernisation & up-gradation of existing infrastructure for accreditation and to
provide finance against warehouse receipts
 Availability of better services namely weigh-bridge, testing, financing against stocks, delivery on
commodity exchange platform to enable depositors to realise better price for their produce.
 Equipping warehouses with required infrastructure facilities for scientific storage.
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Land Development:
 Banks may encourage financing vermi-compost / bio fertilizers activities and also finance
schemes under CISS for organic farming.
 Soil Conservation and Agriculture Department may provide data / information on for restoring
/ improving the quality of soil for better productivity.
 Non-availability of permanent patta is hindering flow of bank finance in Karbi Anglong and
Dima Hasao. The Autonomous District Councils, in consultation with the State Government,
may arrange to allot permanent patta to the farmers and also provide valid marketable title deed
in other areas too.
Other Agriculture Infrastructure
To realise the true potential of agriculture productivity in the state and to promote the use of modern
technology, it is imperative to support the hi-tech enterprises that are coming up with the initiative
of Agriculture graduates and other entrepreneurs in the field of seed production, tissue culture,
production of vermi-compost and other bio-inputs, bio-technology units, etc. Banks may encourage
such enterprises with necessary credit support.
Agro & Food Processing
 There is vast scope of value adding agro-processing industries in the State. With expected
surpluses in rice in the near future, establishment of modern rice mills will give a boost for export
promotion. Besides, dal processing and oil extraction are two other fields which can benefit the
State.
 Assam is also traditionally rich in production of horticulture crops like fruits, vegetables, spices,
nuts, tuber crops and medicinal and aromatic plants. Horticulture crops occupy about 15% of
the gross cultivated area and the growth rate of production has also been significant during the
last decade. On the basis of per capita requirement, the State is marginally surplus both in fruits
and vegetables. However, about 45% of the Horti-produce is either exported in raw forms to
other States or is wasted due to lack of even primary post-harvest processing. There is a need to
encourage value-addition to these crops to ensure greater returns to the farmers as well as
economy.
 Ginger and turmeric occupy an important place in the State’s economy. There is a lot of potential
for the processing of spices and condiments in the State. However, the state suffers due to lack
of requisite infrastructure.
Other Ancillary Activities
Loans to Cooperatives Societies of farmers for disposing of their produce, Agri-clinic/ Agri-business
Centres (ACABC), Loans to PACS/ FSS/ LAMPS, Loans to MFIs for on-lending to agriculture are
some of the activities which need to be part of the bank’s credit plan in order to support the primary
activities in the rural sector.
MSME Sector:
 Basic infrastructure for industries along with water, electricity, roads, communication may be
provided. Erratic power supply is one of the constraints. Efforts may be made to improve the
power supply.
 Good potential exists for wood based industries like cane & bamboo products, furniture, building
materials, etc. Farmers particularly small and marginal farmers to be encouraged to grow fast
growing trees on marginal/degraded land for meeting raw materials with inputs including credit,
technical advice, harvesting and transport services. Government may also encourage import of
wood for wood based industries with suitable fiscal incentives.
 Need for a series of measures to give a boost to rural tourism by promoting tourist spots. People
in the villages are to be made partners and owners in this endeavor. SHGs, artisans and rural
youth to be involved.
 Adequate credit flow is to be ensured to MSE Sector. Banks may effectively operationalised
RSETIs sponsored by them.
 Banks are mandated not to accept collateral security in the case of loans upto `10 lakh extended
to units in the MSE sector. Banks are also advised to extend collateral-free loans upto `10 lakh
to all units financed under the Prime Minister Employment Generation Programme of KVIC.
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State Focus Paper 2016-17
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 Banks should set target for financing of rural artisans and small units as per the stipulated norms
of RBI. Banks should also adhere to the margin and security norms stipulated by RBI and take
the advantage of CGTMSE upto `50 lakh.
 District level marketing centres may be set up to provide marketing infrastructure for rural nonfarm sector products.
Export Credit
Assam is flanked by neighbouring countries viz. Bangladesh, Bhutan, China, Nepal and Myanmar
and its proximity to the large markets of the South-East Asian countries gives it an added advantage
in terms of export potential. Kolkata could serve as the main trading hub/port and Guwahati as the
satellite for India’s trade with China, Bhutan, Myanmar and Bangladesh.
The principal commodities exported from Assam are Tea, Organic fruits and horticulture crops, silk
yarn and fabrics, particularly Muga Silk and Eri. Cane and bamboo products, both decorative as well
as utility items have a huge potential for export from the state.
Education
In Assam while only 72% of the total population is literate as per Census 2011. The female literacy
level in the State is quite high at 66% and compares quite favorably with the female literacy level of
65% at National Level. Although male literacy is 78%, it is slightly lower than the national average
of 81%. There is a need to ensure financial support to students in pursuing professional or higher
studies so as to tap the talent amongst the youth.
Housing
Guwahati had been selected under the Smart-City concept of the Government of India, under which
there are enormous prospects for it to grow as a top-class city. The Atal Mission for Rejuvenation
and Urban Transformation (AMRUT) scheme for Tier 2 and Tier 3 cities will also be launched along
with smart city project. Under this scheme, Central Govt. will provide 30% of the overall cost, if the
city has a population of more than 10 lakh; and 50% if under 10 lakh. Seven district towns in Assam
have been selected under AMRUT.
Housing activity is not in the mainstream, but it forms an important component of the State
economy. Demand for credit for housing would grow multifold with the development of the towns
as it is likely to be followed by development of social infrastructure like schools, colleges and
hospitals in a big way. It also has enormous employment generation potential.
Renewable Energy:
Conventional sources of energy and fuels are decreasing day-by-day. Renewable sources of energy
are going to play an increasingly important role in future as the country is starved of fossil fuels. The
various sources of renewable energy include wind energy, solar energy, bio-fuel/ bio-diesel, mini
and micro hydel projects, agriculture waste utilization (bio mass) and biogas, tidal energy and
geothermal energy. Assam has a lot of potential for Mini-Hydel projects and some of these
investments can be explored in the private sector.
Others
The sector covers loans to individuals and their SHGs/JLGs, loans to distressed persons to prepay
non-institutional lenders (other than farmers), overdraft facility under PMJDY and loans to state
sponsored organizations for SC/ST, etc. Banks may incorporate these credit requirements in their
lending plans.
Social Infrastructure
The growth of smart cities and Urban Hubs is likely to create a huge demand for social infrastructure
like schools, colleges and hospitals etc. A direct relationship exists between water, sanitation etc.
and human wellbeing. Consumption of contaminated drinking water, lack of personal and food
hygiene and improper disposal of solid and liquid waste are the major causes of disease outbreaks
in our country. Thus, there exists a lot of potential for creation of infrastructure in the health and
education sector through private investments. It is an opportunity for the banks.
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DISTRICT-WISE MAP OF ASSAM
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State Profile
State -
Assam
1. PHYSICAL & ADMINISTRATIVE FEATURES
2. SOIL & CLIMATE
Total Geographical Area (Sq.km)
78438
No. of Sub Divisions
56
No. of Blocks
219
No. of Villages (Inhabited)
Agro-climatic Zone
Brahmaputra Valley, Barak Plain and Mikir/Cachar
Climate
Hot and Humid
Soil Type
New Alluvium,old alluvium red loam and laterits
4. RAINFALL & GROUND WATER
26395
No. of Panchayats
2202
Normal
Actual
Rainfall [in mm]
3. LAND UTILISATION [ha]
Total Area Reported
7850005
1935173
2625545
Forest Land
Area Not Available for Cultivation
Permanent Pasture and Grazing Land
159968
195840
Land under Miscellaneous Tree Crops
Cultivable Wasteland
76631
78582
49582
Current Fallow
Other Fallow
Net Sown Area
2810597
4159977
1349380
Total or Gross Cropped Area
Area Cultivated More than Once
Cropping Inensity [GCA/NSA]
1.48
2012
2013
2152
1707
Variation from Normal
Availability of
Ground Water [Ham]
(-)32
(-)6.27
Net annual recharge
Net annual draft
2578534
349440
5. DISTRIBUTION OF LAND HOLDING
Holding
Classification of Holding
<= 1 ha
>1 to <=2 ha
>2 to <=5 ha
>5 to <=10 ha
>10 ha
Total
(-)26.15
Balance
2214199
Area
Nos.
% to Total
ha.
% to Total
1831
497
67
18
775
687
26
23
303
85
4
11
3
0
818
437
282
27
15
9
2720
7. DEMOGRAPHIC PROFILE [in '000]
6. WORKERS PROFILE [in '000]
Cultivators
2011
1567
2999
Category
Total
Male
Female
Rural
Urban
Population
31206
15939
15266
26807
4398
Agricultural Labourers
923.07
942.05
Scheduled Caste
2231
1145
1086
Workers engaged in Household Industries
249.25
Scheduled Tribe
3884
1957
1927
Literate
19507
10756
8750
15988
3518
BPL
9979
9080
899
3138.55
Of the above, Small/Marginal Cultivators
Workers engaged in Allied Agro-activities
Other workers
4403.20
8. HOUSEHOLDS [in '000]
9. HOUSEHOLD AMENITIES [Nos. in '000 Households]
Total Households
Having electricity supply
2370
Having source of drinking water
3524
Having independent toilets
4164
31.98
Having access to banking services
3691
Having radio/TV sets
22587
Anganwadis
6406.47
5420.88
Rural Households
BPL Households (in %)
Having brick/stone/concrete houses
10. VILLAGE-LEVEL INFRASTRUCTURE [Nos]
11. INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos]
Villages Electrified
Villages having Agriculture Power Supply
33754 Dispensaries
975 Hospitals
Primary Health Sub-Centres
4609 Hospital Beds
12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE
Primary Health Centres
Villages having Post Offices
4013
Villages having Banking Facilities
Villages having Primary Schools
Villages having Primary Health Centres
975
Fertiliser/Seed/Pesticide Outlets
[Nos]
Total N/P/K Consumption [MT]
Agriculture Pumpsets[Nos]
216 Pumpsets Energised [Nos]
Villages having Potable Water Supply
Certified Seeds Supplied [MT]
Villages connected with Paved Approach Roads
Pesticides Consumed [MT]
Soil Testing Centres [Nos]
Agriculture Tractors [Nos]
548 Plantation nurseries [Nos]
13. IRRIGATION COVERAGE [Ha]
Total Area Available for Irrigation (NIA + Fallow)
Irrigation Potential Created
Net Irrigated Area(Total area irrigated at least once)
Area irrigated by Canals / Channels
Area irrigated by Wells
Area irrigated by Tanks
Area irrigated by Other Sources
Irrigation Potential Utilized (Gross Irrigated Area)
2700000.00
851971.00
161398.00
179887.00
6919.00
4776.31
94354.93
188615.00
No of units
Food (Rice/Flour/Dal/Oil/Tea/Coffee)
3110 Farmers' Clubs [Nos]
Threshers/Cutters [Nos]
Krishi Vigyan Kendras[Nos]
14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING
Rural/Urban Mandi/Haat [Nos]
Length of Pucca Road [Km]
735 Wholesale Market [Nos]
22700 Godown [Nos]
Length of Railway Line [Km]
405
2458 Godown Capacity[MT]
Public Transport Vehicle [Nos]
Cold Storage [Nos]
Goods Transport Vehicle [Nos]
Cold Store Capacity[MT]
26
16. AREA, PRODUCTION & YIELD OF MAJOR CROPS
Cap.[MT]
2012-13
Area (000
Prod (000
ha)
tonnes)
Crop
1616
Sugarcane (Gur/Khandsari/Sugar)
Fruit (Pulp/Juice/Fruit drink)
Agro Service Centres [Nos]
Power Tillers [Nos]
15. AGRO-PROCESSING UNITS
Type of Processing Activity
346
22
11459
Rice
Wheat
84
Spices (Masala Powders/Pastes)
Maiza
Dry-fruit (Cashew/Almond/Raisins)
Pulses
Cotton (Ginnining/Spinning/Weaving)
Sugarcane
Milk (Chilling/Cooling/Processing)
Jute *
2013-14
Prod (000
tonnes)
Area (000 ha)
Avg. Yield
[kg/ha]
2488
34
5128
44
2503
31
5193
40
2101
1292
24
142
21
84
24
150
77
88
3199
589
29
65
1028
558
29
70
1075
717
36969
1849
Meat (Chicken/Mutton/Pork/Dry fish)
Animal feed (Cattle/Poultry/Fishmeal)
* Production in '000 Bales of 180 kg per bale
17. ANIMAL POPULATION AS PER CENSUS 2012 [in '000]
18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES
Veterinary Hospitals/Dispensaries
500 Animal Markets [Nos]
Category of animal
Total
Male
Female
Cattle - Cross bred
395.90
76.33
319.57
Cattle - Indigenous
9911.70
4216.41
5695.29
Buffaloes
435.26
508.58
9.48
171.42
263.84
196.61
311.97
4.58
4.90
6169.19
613.67
2600.75
3568.44
334.20
279.47
1022.35
16.02
1015.28
528.91
493.44
Fish
Production [Tonne]
11.00
5.02
Egg
Production [M Nos]
na
Milk
Production [ ML]
6130.21
Meat
Production [000 Tonne]
Sheep - indigenous
Sheep – cross bred
Goat
Pig - Cross bred
Pig - Indigenous
Horse/Donkey/Camel
Poultry - Cross bred/Broiler
Poultry - Backyard
Source to be mentioned :
9675.93
na
3545.73
[Nos]
Disease Diagnostic Centres
[Nos]/Sub-Centres
Artificial Insemination Centers [Nos]
739 Milk Collection Centres [Nos]
33 Fishermen Societies [Nos]
Animal Breeding Farms [Nos]
Animal Husbandry Tng Centres
[Nos]
Dairy Cooperative Societies [Nos]
Fish seed farms [Nos]
Improved Fodder Farms [Nos]
Slaughter houses [Nos]
Fish Markets [Nos]
Poultry hatcheries [Nos]
19. MILK, FISH, EGG PRODUCTION & THEIR PER CAPITA AVAILABILITY
Economic Survey, Assam 2014 & Statistical Handlbook 2014
SLBC
13
266700 Per cap avail. [gm/day]
472 Per cap avail. [nos/p.a.]
857 Per cap avail. [gm/day]
38.34 Per cap avail. [gm/day]
State Focus Paper 2016-17
ASSAM
Banking Profile
STATE – ASSAM
1. NETWORK & OUTREACH (As on 31/03/2015)
No. of non-formal agencies
No. of Branches
associated
SemimFIs/mF
Rural
Urban
SHGs/JLGs
BCs/BFs
urban
Os
Per Branch Outreach
No. of
Banks/Soc
.
Total
Villages
Households
34
1607
667
513
427
NA
NA
NA
NA
NA
Regional Rural Bank
2
463
358
89
16
NA
NA
NA
NA
NA
State Coop. Bank
Coop. Agr. & Rural Dev.
Bank
Primary Agr. Coop. Society
1
67
18
20
29
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
10
NA
NA
NA
NA
NA
482
NA
NA
NA
12
2984
Share(%)
31 Mar 13
31 Mar 14
31 Mar 15
Growth(%)
Share(%)
NA
68001.18
78274.5
91064.63
16.34
90.31
Agency
Commercial Banks
Urban Coop. Bank
All Agencies
2251
2
10
2290
2147
1043
622
2. DEPOSITS OUTSTANDING
No. of accounts
Agency
Amount of Deposit [Rs. In crore]
31 Mar 13
31 Mar 14
31 Mar 15
Commercial Banks
NA
NA
NA
Growth
(%)
NA
Regional Rural Bank
NA
NA
NA
NA
NA
5879.36
6961.07
7882.96
13.24
7.82
Cooperative Banks
NA
NA
NA
NA
NA
1469.51
1933.17
1886.4
-2.42
1.87
Scheduled Urban Coop.
Bank
NA
NA
NA
NA
NA
All Agencies
NA
NA
NA
NA
NA
75350.05
87168.74
100833.99
15.68
100.00
3. LOANS & ADVANCES OUTSTANDING
No. of accounts
Agency
Share(%)
Growth(%)
Share(%)
1208381
-6.10
66.39
26380.40
29919.00
34498.79
15.31
87.45
510665
538703
5.49
29.59
3309.18
3890.15
4161.72
6.98
10.55
69173
73172
5.78
4.02
485.39
688.82
787.33
14.30
2.00
-
-
-2.49
100.00
31 Mar 14
31 Mar 15
1021055
1286892
455615
Cooperative Banks
64812
Scheduled Urban Coop.
Bank
-
Commercial Banks
Regional Rural Bank
All Agencies
-
1541482
Amount of Loan [Rs.crore ]
Growth
(%)
31 Mar 13
-
1866730
1820256
4. CD-RATIO
Agency
31 Mar 13
-
31 Mar 14
-
30174.97
31 Mar 15
-
34497.97
39447.84
-
-
14.35
100.00
5. PERFORMANCE UNDER FINANCIAL INCLUSION (No. of A/cs)
CD Ratio
31 Mar 13
31 Mar 14
Commercial Banks
40.30
40.55
40.06
Regional Rural Bank
56.28
55.88
Cooperative Banks
33.03
35.63
During 2014-15
Agency
31 Mar 15
Cumulative
Deposit
Credit
Deposit
Credit
Commercial Banks
NA
NA
NA
NA
52.79
Regional Rural Bank
NA
NA
NA
NA
41.74
Cooperative Banks
NA
NA
NA
NA
Others
-
-
-
Others
NA
NA
NA
NA
All Agencies
43.56
43.48
42.79
All Agencies
NA
NA
NA
NA
Agency
Commercial Banks
Regional Rural Bank
Cooperative Banks
6. PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2015)
Loans to Weaker
Loans under DRI
Priority Sector Loans Loans to Agr. Sector
Sections
Scheme
Amount
[Rs.cr]
Amount
[Rs.cr]
% of Total
Loans
Amount
[Rs.cr]
% of Total
Loans
Amount
[Rs.cr]
Loans to Women
% of Total
Loans
Amount
[Rs.cr]
% of Total
Loans
17440.33
76
6217.95
70
7370.56
77
60.38
100
2312.78
59
3559.93
15
1619.07
18
2126.38
22
NIL
-
1567.20
40
NIL
NA
271.05
1
69.04
1
1716
7
972.31
-
Others
All Agencies
% of Total
Loans
22987.58
53.28
8878.37
20.58
69.01
9565.95
1
-
-
41.61
37.48
60.38
-
-
1
-
3917.46
17.04
7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS
2012-13
Agency
Commercial Banks
Regional Rural Bank
Cooperative Banks
Others
All Agencies
Target
[Rs.cr]
Ach'ment
[Rs. cr]
2013-14
Ach'ment
[%]
Target
[Rs.cr]
Ach'ment
[Rs.cr]
2014-15
Ach'ment
[%]
Target
[Rs.cr]
Ach'ment
[Rs.cr]
Ach'ment
[%]
Average
Ach[%] in
last 3 years
5020.06
3965.25
78.99
8921.27
5629.16
63.10
7897.92
5185.48
65.66
69.25
1215.73
617.56
50.80
1590.74
787.07
49.48
1857.77
861.43
46.37
48.88
30.31
158.95
57.96
-
-
180.94
6416.73
54.85
4637.66
-
72.27 10670.96
6474.19
36.46
60.67
256.06
-
81.03
-
10011.75
31.64
-
6127.94
32.81
-
61.21
64.72
8. SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS
2012-13
Broad Sector
Target
[Rscr]
Ach'ment
[Rs. cr]
2013-14
Ach'ment
[%]
Target
[Rs.cr]
2014-15
Ach'ment
[Rs.cr]
Ach'ment
[%]
Target
[Rs.cr]
Ach'ment
[Rs.cr]
Ach'ment
[%]
Average
Ach[%] in
last 3 years
Crop Loan
2516.00
908.28
36.10
2887.00
1460.02
50.57
3340.00
1599.75
47.90
Term Loan (Agr)
1249.89
942.72
75.42
1677.00
1296.64
77.32
1836.00
892.85
48.63
67.12
Total Agri. Credit
3765.89
1851.00
49.15
4564.00
2756.66
60.40
5176.00
2492.60
48.16
52.57
81.48
MSE Sector
44.86
815.09
1035.41
127.03
3800.00
1773.60
46.67
2305.95
1630.97
70.73
Other Priority Sector
1839.44
1751.24
95.21
2306.97
1943.93
84.26
2529.80
2004.38
79.23
86.23
Total Priority Sector
6420.42
4637.65
72.23
10670.97
6474.19
60.67
10011.75
6127.95
61.21
64.70
9. RECOVERY POSITION
2012-13
Agency
Commercial Banks
Demand
[Rs. cr]
Recovery
[Rs. cr]
2013-14
Recovery
[%]
Demand
[Rs. cr]
Recovery
[Rs. cr]
2014-15
Recovery
[%]
Demand
[Rs. cr]
Recovery
[Rs. cr]
Recovery
[%]
Average
Rec. [%] in
last 3 years
2625.22
1344.23
51.20
3500.32
2040.51
58
2471.33
1413.59
57.20
Regional Rural Bank
621.28
436.82
70.31
781.34
560.50
72
878.19
638.06
72.66
71.57
Cooperative Banks
160.33
115.50
72.04
43.06
24.93
58
45.67
3.53
7.73
45.89
55.67
4324.72
3395.19
2055.18
Others
All Agencies
3406.83
1896.55
-
-
2625.94
Source to be mentioned : SLBC
23
60.72
-
-
60.53
55.57
58.97