NORTH GOA DISTRICT - SLBC GOA



NORTH GOA DISTRICT

ANNUAL CREDIT PLAN 2016 – 17

EXECUTIVE SUMMARY

The Annual credit Plan has been prepared with aggregate credit plan of Rs. 2981.91 crores. The total plan for the district is increased by Rs. 620 crores.

As per the revision in the Priority sector guidelines of RBI, the categories under priority sector have been reclassified as:

i) Agriculture

ii) Micro, Small and Medium Enterprises

iii) Export Credit

iv) Education

v) Housing

vi) Social Infrastructure

vii) Renewable Energy, and

viii) Others

Further Agriculture is subdivided as Farm Credit, Agri. Infrastructure and Agri. Ancillary activities.

FARM CREDIT

Crop Loans:

Agriculture contributed only 2.13% to total GSDP as at the end of 31.03.2014. Due to urbanization, absentee landlordism, fragmented land holdings, high labor cost and more remunerative opportunities in small businesses and service, agriculture sector has been in a state of decline. To revive interest in agriculture and make it attractive to farmers, the State Govt. has proposed a number of measures, viz., interest subvention scheme for all agri and allied loans extended to Cooperative Banks, Commercial Banks and PACS upto `5 lakhs, subsidy ranging from 50% to 90% for agricultural machinery, fencing, purchase of inputs, cash incentive for SRI farmers, assured price for major crops, etc. The JLG concept has picked up in the District.

Agri. and Allied sector term loans:

The credit off take of agri. and allied term loans is hampered by lack of proper title deeds for creating effective mortgages for collateral security purposes. However, the State Govt.’s developmental schemes have given a positive fillip for capital formation in agriculture sector. The momentum is expected to continue in the coming years too. Increase in credit off take as term loans is prominent in minor irrigation, land development, farm mechanization, plantation and horticulture, dairying fisheries.

Agri. Infrastructure:

State subsidy schemes are available for solar fencing, production of organic manure and construction of vermicopost and central subsidy schemes for godowns and cold storages. There is a need for storage godowns, cold storages in private sector and market yards in the State are in need of repairs, renovation and strengthening.

Agri. ancillary activities:

Credit for food processing activities, especially in cashew and marine sector, have a continuous demand. The National Mission on Food Processing is implemented through DITC in the State. 25% subsidy on capital cost (max. of Rs. 50 lakhs) is available for new industries as well as for expansion of existing units. Besides, fiscal rebates like income tax rebate and excise duty rebates on processed foods are expected to attract more investment. Farmers are also slowly realizing the need for shifting to entrepreneurial mode for reaping better returns.

Micro Small and Medium Enterprises:

There are 1806 SSI units in the district with majority of them in Bardez and Bicholim blocks. There is a proposal for expansion of 4 industrial estates (Pernem, Bardez, Tiswadi and Bicholim). The proposed areas are Latambarcem and Carambolim in Bicholim and Tiswadi blocks, respectively. Establishment of micro industrial zones in each taluka during the next two years to encourage small entrepreneurs is also proposed.

The State Govt. has rolled out ‘Goa Investment Policy 2014’ with the major objective of creating 50,000 jobs in the next five years and facilitating Rs. 25,000 cr. of new investment in Goa in the next five years. The thrust areas of new policy are Knowledge based industry, R&D centers and financial services, Pharmaceuticals & bio-technology, Integrated educational hubs, Tourism, Light engineering, Aviation, aerospace and defense, Information Technology, Hardware and Electronics and Agro-based processing industries. The new industrial policy is expected to attract fresh investments under medium and large industries.

South Goa predominantly has micro manufacturing and service units followed by small manufacturing and service units. There is a growing need for credit from SRWTO and Small business and service sector in Goa.

Export Credit:

Export credit is availed by Pharma companies, Light engineering industries and Defence component manufacturing industries, mining companies and cashew processors.

Educatioin:

Goa has few professional colleges and students often move outside the State for higher education. Education loan is the preferred source of funding for students.

Housing:

In Goa, construction sector is flourishing industry and housing loans at affordable rates are attractive for buyers desirous of small flats or housing units. Being a tourist location too adds to the demand for housing units and housing credit.

Renewable Energy Sources:

The focus of GoI is on renewable energy sources, with emphasis being placed on captive solar energy generation plants. However, at the user level, solar water heaters, solar PV systems for lighting are gaining prominence. Goa has been allocated a target of 30 solar pumps for irrigation purpose with the intention of moving farmers away from electricity/diesel pumps. The use of biomass by briquetting is being promoted by Goa Energy Development agency with a 25% subsidy on briquetting units.

Social Infrastructure:

In Goa, except Panaji all other towns have population of less than 1 lakh and hence bank loans for social infrastructure activities namely schools, health care facilities, drinking water facilities and sanitation facilities are eligible for coverage under this head in eleven blocks of the State. Waste disposal in hotels, bakeries and school hostels using Biogas technology holds scope for social infrastructure finding. Basic sanitation facilities required strengthening in schools and with the emphasis on Swachh Barat, credit off take is expected in these sectors too.

Others:

JLG funding has taken off in Goa, with intervention of NABARD through projects sanctioned to a few NGO’s and a private sector Bank. 99% of these loans are less than Rs. 50,000 per member and for non – farm activities. Besides, the low credit linkage of SHGs provides scope for lending to Banks.

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LEAD BANK NORTH GOA

BROAD SECTOR WISE ACP PROJECTIONS

(2016 – 17)

(Amount in lacs)

|Sr. |Particulars |Financial Outlay 2016-17 |

|No. | |Projections 2016-17 |

|A |Farm Credit | |

|i |Crop Production, Maintenance and Marketing |20099.50 |

|ii |Term Loan for agriculture and allied activities |18298.73 |

|Sub Total |38398.23 |

|B |Agriculture Infrastructure |2215.00 |

|C |Ancillary activities |2074.66 |

|I |Credit Potential for Agriculture (A+B+C) |42687.89 |

|II |Micro, Small and Medium Enterprises |157959.88 |

|III |Export Credit |20625.00 |

|IV |Education |31500.00 |

|V |Housing |46500.00 |

|VI |Renewable Energy |313.88 |

|VII |Others |1940.00 |

|VIII |Social Infrastructure involving bank credit |4008.75 |

| |Total Priority Sector (I to VIII) |305535.40 |

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DISTRICT PROFILE

North Goa district comprises of 5 blocks.

GEOGRAPHICAL LOCATION:

North Latitude 15 47’ 59’’

East Latitude 15 16’ 22’’

AREA: 1463 Sq. K.M.

SOIL: Mostly laterite, sandy loam to silt loam.

CLIMATE: Warm and humid tropical climate. Rainfall 2800 mm, Humidity 75.9%

LAND UTILIZATION PATTERN:

Khajan Land: Low lying area, often below sea level, along the estuaries. Paddy is grown followed by Rabi vegetables.

Kher Land: Low elevation above sea level having high water table. Sandy to Sandy Loam soil. Multiple Cropping is done through irrigation.

Marod Land: Upland terraced. Field is suitable for Horticulture and Plantation.

MAJOR CROPS GROWN:

|Crop |Avg. area |2012-13 |2013-14 |2014-15* |

| |(last 5 yrs) |Area |Prodn |Area |Prodn |Area |

|Bardez |4 |644 |71 |19 |23 |757 |

|Pernem |1 |183 |14 |0 |3 |200 |

|Bicholim |1 |272 |23 |2 |16 |313 |

|Sattari |2 |173 |19 |2 |9 |203 |

|Tiswadi |1 |194 |122 |7 |10 |333 |

|Total |9 |1466 |249 |30 |61 |1806 |

INDUSTRIAL CLUSTER SCENARIO OF THE DISTRICT:

There is no industrial cluster in the district.

SPECIAL ECONOMIC ZONE (SEZ):

There is noSEZ identified in the district. All the 9 Industrial estates are owned by Govt. of Goa and there is no Cooperative Industrial Estate in the District/State.

BANKING INFRASTRUCTURE:

North Goa District has good network of bank branches. The position of bank branches under is as under:

|Particulars |Urban |Semi-Urban |Rural |Total |

|Commercial Banks |-- |172 |146 |318 |

|Regional Rural Bank |-- |Nil |Nil |Nil |

|District Central Co-op. Bank |-- |Nil |Nil |Nil |

|Goa State Coop. Bank Ltd |-- |13 |16 |29 |

|TOTAL |-- |185 |162 |347 |

There are 73 Primary Agriculture Credit Cooperative Societies (PACS) registered in the district, out of which 47 are functioning. The GSCB is having 29 branches in the district; fourteen urban co-operative Banks are operating in the district through 53 branches. The area wise details of branches of urban co-operative banks are as under:

|Name of Urban Coop. Bank |Urban |Semi-Urban |Rural |Total |

|Bicholim Urban Coop. Bank Ltd |-- |7 | |7 |

|Citizen Co-operative Bank Ltd. |-- |1 | |1 |

|TJSB Co-operative Bank Ltd. |-- |2 | |2 |

|Madgaon Urban coop. Bank Ltd |-- |1 |1 |2 |

|Mapusa Urban Coop. Bank Ltd |-- |7 |11 |18 |

|Goa Urban Co-operative Bank |-- |7 | |7 |

|Saraswat Cooperative Bank Ltd |-- |5 | |5 |

|ShamraoVithal Coop. Bank Ltd |-- |1 | |1 |

|Women Cooperative Bank Ltd |-- |2 | |2 |

|PMC Co-operative Bank ltd |-- |3 | |3 |

|Konkan Mercantile Bank Ltd |-- |1 | |1 |

|NKGSB Co-op Bank ltd |-- |2 | |2 |

|ApnaSahakari Bank Ltd |-- |1 | |1 |

|GopinathPatilParsikSahakari Bank |-- |1 | |1 |

|TOTAL |-- |41 |12 |53 |

CHAPTER - I

NORTH GOA DISTRICT PROFILE

1.1 The State of Goa is divided two districts viz. North Goa & South Goa. The separate Districts of North Goa and South Goa were formed with effect from August 1988. North Goa District consisted of 6 Blocks namely Pernem, Sattari, Bicholim, Bardez, Tiswadi and PondaTalukas with 261 villages. Govt. of Goa vide notification No. 37/2/2014-RD dated 22.01.2015 has removed Ponda block from North Goa and included in South Goa district. Now, North Goa district consists of 5 blocks (Pernem, Sattari, Bicholim. Bardez and Tiswadi) with 172 villages.

1.2 Location and Physiographic of North Goa District

1.2.1 North Goa District as the name suggests covers the entire northern part of Goa State and is bounded by the Arabian Sea on its West, the TerekholRiver on the North which separates Goa State from Sindhudurg district of Maharashtra, by Belgaum District of Karnataka State in North-East and by the district of South Goa on the South. The District of North Goa is situated between the latitudinal parallels of 15 degree 47’ 59”N and 15 degree 16’22”N and the longitudinal parallel of 73 degree 40”54”E and 74 degree 16’89”E. The total geographical area of the District is 1463.13 Sq.k.m. As per the Surveyor General of India, the altitudes of the towns of this district range between 20 and 23 meters above the sea level.

1.2.2 North Goa District has 5 municipal towns as mentioned below which serve as the Head quarters for the respective Block, except Sanquelim.

|Name of the Block |Name of the Block head quarter |

|Pernem |Pernem |

|Sattari |Valpoi |

|Bicholim |Sanquelim |

|Bardez |Mapusa |

|Tiswadi |Panaji |

1.2.3 The details of block wise service area villages in North Goa District area as follows.

ALLOTMENT OF VILLAGES / SSAs TO BANKS IN NORTH GOA

|Name of Bank |Villages |SSAs |Villages |SSAs |

|Agri Crop Loan |C |19865.20 |24627.26 |22336.88 |

| |P |18332.00 |7513.86 |16445.98 |

| |% |92 |30.51 |73.63 |

|Agri Term Loan |C |15570.39 |20948.57 |20552.49 |

| |P |20915.00 |17568.71 |12281.56 |

| |% |134 |83.87 |59.76 |

|Industries |C |38374.05 |42679.12 |36636.23 |

| |P |12339.00 |22417.87 |51026.77 |

| |% |32 |52.53 |139.28 |

|Services |C |137032.50 |156508.32 |156663.53 |

| |P |152800.00 |199304.54 |150640.41 |

| |% |111 |127.34 |96.16 |

|Total |C |210842.14 |244763.27 |236189.13 |

| |P |204385.00 |246805.98 |230394.72 |

| |% |97 |100.83 |97.55 |

2.2GOVERNMENT SPONSORED SCHEMES

PMEGP, KVIC/KVIB Margin Money are the Central Govt. Sponsored schemes & KAMDHENU SUDARIT and Biogas are State Govt. sponsored schemes implemented in the district. The National Rural Livelihood Mission (NRLM) and National Urban Livelihood Mission (NULM) are yet to be implemented in the State of Goa. The performance under these schemes is being monitored at the fora like BLBC, DCC, Standing Committee of DCC, DLRC and SLBC. The co-ordination between the Banks and the Govt. functionaries is good. However both the number of cases sponsored and number of cases sanctioned/disbursed lags behind targets. The details of performance of Govt. Sponsored schemes are given in annexure.

1. CREDIT DEPOSIT RATIO, PRIORITY SECTOR ADVANCES ETC. OF ALL

FINANCIAL INSTITUTIONS

(Rs in Cr)

|Sr. |Sector |31.03.12 |31.03.13 |31-03-14 |31-03-15 |31-03-16 |

|No | | | | | | |

|1. |Deposits |23375.77 |23651.66 |29187.11 |31799.71 |34002.44 |

|2. |Advances |7640.84 |8453.93 |11009.26 |10564.12 |11388.69 |

|3. |CD Ratio % |32.68 |35.74 |38.00 |33.22 |33.49 |

|4 |Priority Sector |2928.33 |3150.08 |3915.20 |4073.71 |3992.59 |

|5 |% Priority Sector to total Advances|38.32 |37.26 |35.56 |38.56 |35.06 |

|6 |DIR |0.19 |1.70 |2.12 |3.61 |0.96 |

|7. |% DIR to Total Adv. |0.01 |0.01 |0.02 |0.03 |0.01 |

|8. |weaker section |286.96 |337.46 |233.24 |268.46 |329.60 |

|9. |% Weaker Section Adv. to Total Adv.|3.75 |3.99 |2.12 |2.54 |2.89 |

2.7 Credit Deposit Ratio

The Credit Deposit Ratio is an important indicator of economic development. The C:D ratio of the district as on 31-03-2016 was 33.49% as against the stipulation of 60%. The C: D ratio of both the districts in the State is below the stipulated level of 60% on account of heavy influx of foreign remittances without matching demand of credit.

CHAPTER III

DEVELOPMENTAL PROGRAMMES IN THE DISTRICT

3.1Development of Agriculture/Allied Activities

Agriculture is the second major activity in the district next to tourism. The following programmes/schemes are implemented in the district with the help of various agencies like Directorate of Agriculture, Department of Animal Husbandry and Veterinary Services, Fisheries Dept., Goa State Horticulture Development, Rubber Board, Goa Bagayatdar Co-op. Society, ICAR etc.

2. The following programmes/schemes are implemented in the District.

i) Rubber Plantation

ii) Red Oil Palm Plantation

iii) State/Centrally sponsored programme for the Development of Horticulture/ Cashew/Coconut.

iv) National Horticulture Mission Schemes

v) Integrated Cereal Development Programme (Rice), National Pulses Production Programme and Oilseed Production Programme.

vi) Programme on National Watershed Development - National Watershed Development Project for Rain fed Areas.

vii) Development of Sugarcane Based Cropping System Areas.

viii) Central Govt. Sponsored Schemes implemented by NABARD.

Ix) National Agricultural Insurance Scheme.

3.2.1 Rubber Plantation

The climate and soil condition of Sattari and BicholimTalukas are favorable for the growth of Rubber. The Rubber Board with its office at Ponda (Goa) promotes development of Rubber in Goa. High yielding stumps at subsidized rates and subsidy support for maintaining irrigation and plant protection are provided besides technical guidance.

3.2.2 Red Oil Palm Plantation

The North Goa district has been considered agro climatically suitable for oil palm cultivation which yields more income than the traditional plantation crop such as coconut, cashew etc. In order to encourage the farmers to adopt the new cropping pattern the Government of Goa in collaboration with M/s Godrej Soaps (P) Ltd is taking several measures to propagate this innovative plantation crop in the district. Approximately an area of 1200 Ha can be brought under cultivation of oil palm of which so far about 839 ha have been covered in the state and 334 ha in North Goa district. Present production of fresh fruit & bunches is 2071 tones in the state and 825 tons in the district. The scheme is supported by subsidy.

3.2.3 Directorate of Agriculture, Govt. of Goa has published a Booklet on Developmental Programmes of Department of Agriculture. The details of various schemes are enclosed at the end of this chapter.

3.2.4 State/Centrally sponsored programme for the Development of Horticulture/Cashew/Coconut

Under the State Plan Schemes for development of Horticulture financial assistance is available for development of all Horticulture crops, Area expansion under banana, promotion of mushroom etc. Subsidy assistance up to 5 lacs is also available for development of horticulture on commercial lines.

Cashew is an important Horticulture crop of the district. From the year 1990 onward the Agriculture Department has been implementing rejuvenation and expansion programme under which subsidized quality grafts have been supplied to the farmers. This has resulted in the increase production of cashew per tree. Grafts supplied to the farmers are produced on Government farms and private nurseries recognized by the Government. Financial assistance for the cultivation of cashew, for manure and moisture conservation is also given by the department.

Total area under cashew cultivation in the district is 37260 ha and production is 16208 tons.

3.2.5 Coconut Development Board scheme

This programme is introduced by the Coconut Development Board through Directorate of Agriculture. Minimum area of 0.2 ha is required to be covered. Assistance by way of subsidy is released after planting. Assistance for laying out demonstration plot and also for organic manure production unit in coconut gardens is also provided. Assistance provided for area expansion and for inputs such as manure & fertilizers.

3.2.6National Horticulture Mission Scheme

The programmes under National Horticulture Mission scheme are extended to Goa from the year 2005-06 with 100% assistance from the Govt. of India the programme provides assistance for the following components :-

a. Assistance for establishment of Nursery

b. Assistance for establishment of new gardens

c. Assistance for cultivation of flowers

d. Spices and medicinal crops

e. Plantation and coastal agricultural crops such as cashew

f. Rejuvenation of senile plantation

g. Protected cultivation

h. Promotion of Integrated Pest Management

i. Promotion of Organic farming

j. HRD - Human Resource Development

k. Vegetable Minikits

l. Post-Harvest Management

3.2.7Integrated Cereal Development Programme (Rice), National Pulses

Production Programme and Oilseed Production Programme

These programmes provide incentives on input cost, training with stipend, support for pest management, minikits, seed subsidy and field demonstration programmes.

3.2.8Development of Sugarcane Based Cropping System Areas

Under this programme input assistance is given for laying demonstration on advance technology in sugarcane cultivation in the farmers' fields and also to raise sugarcane nursery. Special assistance is also available for creating minor irrigation structures, pumps, pipelines and transport subsidy for getting seed material/tissue culture plantlets from outside states.

3.2.9Central Govt. Sponsored Schemes implemented by NABARD

The Govt of India has introduced several credit linked subsidy schemes for the agriculture sector. The scheme which are implemented through NANARD in the State/District are given below:

a. Capital Investment Subsidy Scheme for construction/ modernization /expansion of cold storages and storages for horticultural produce.

b. Capital Investment Subsidy scheme for construction/renovation/ expansion of rural godowns.

c. Rain Water Harvesting Scheme for SC/ST farmers

d. Scheme for development/strengthening of agricultural marketing infrastructure, grading and standardization.

e. Capital investment subsidy scheme for commercial production units of organic inputs under National Project on Organic Farming

f. Scheme for women SHG

3.2.10National Agricultural Insurance Scheme

National Agricultural Insurance scheme is implemented in the State from Rabi 1999-2000 seasons. The notified crops are Paddy, Pulses, Ground nut & Sugarcane. The scheme provides insurance cover to the farmers in the event of failure of crops as a result of natural calamities, pest and diseases. The loanee as well as non-loanee farmers growing these crops can be covered under the scheme.

3. Animal Husbandry

a) Dairy Development

b)Poultry Development

c) Sheep, Goat & Pig Rearing

The Department of Animal Husbandry & Veterinary Services, Govt. of Goa is the key agency involved in the development of the above activities in the State/district. For Dairy it implements two major Schemes:

(i) Modern Dairy Scheme and

(ii) The KamdhenuSudharit Scheme.

Subsidy is provided for purchase of the animals, for cultivation of fodder and for constructions of cow sheds. Subsidy is also given for calf rearing. It also provides excellent veterinary services through 3 hospitals and 8 dispensaries and 33 key village sub-centers. The other facilities provided are supply of cattle feed and marketing facilities for the dairy products produced. It also implements a special calf rearing scheme which provides 100% assistance in the form of feed for calf. The other agency involved is the Goa State Coop. Milk Producers Union Ltd. which procures milk from the neighboring State to meet the shortfall. Govt of Goa has set up 38 Dudh Grams in the rural areas which will help the farmers for all their needs at the nearest place.

4. Poultry Development/Sheep, Goat Pig Rearing

The Department provides subsidy for establishing layers/broilers poultry farms in the State. The State has also 3 hatcheries (1 State Government & 2 Private Sector). Besides the Veterinary aid it also conducts training programmes.

5. Development of Fisheries

The Department of Fisheries promotes fisheries in the State. Another agency involved is the Brackish Water Farmers Development Agency which has been set up under the UNDP assistance. The Department of Fisheries provides subsidy for the purchase of mechanized fishing boats, hulls & nets, for purchase of outboard/inboard motors etc. It also provides training, storage facilities as well as creates the necessary infrastructure like constructions of jetties etc.

3.6. Development of Industries/Small Scale Industries, Tiny & Village

Industries, Rural Artisans etc

The Goa Industrial Dev. Corporation has been established for the purpose of creating the infrastructure for rapid and orderly establishment of industries in the State. The following institutions also have important role to play:

1. Dept. of Industries, Trade & Commerce

2. Economic Development Corporation (EDC)

3. Goa Handicrafts Rural & Small Scale Industries Development Corporation.

4. Khadi and Village Industries Commission (KVIC)/Khadi and Village Industries Board (KVIB)

5. MSME - DI

3.7Development of Tourism

Goa with its beauty and enchanting coastline and rich cultural heritage has the right tourism profile for an ideal tourist destination. The State Tourism Department and the Goa Tourism Development Corporation play major role in the development of Tourism in the State jointly with other Government Department like PWD, Water Works Dept. etc.

The forest department has been identified as a Nodal Agency for promoting eco-tourism in the State. The Govt of Goa is positioning the state under Medical Tourism.

3.8National Biogas Dev. Programme

This programme is implemented by the Department of Agriculture and KVIC in Goa. The State Govt. also gives subsidy in addition to the Central subsidy.

3.9Forester & Wasteland Development

The Forest Department has launched two projects on medicinal plants which are fully funded by the Govt. of India. Under in-situ conservation, over 75 ha of forest areas was covered with Medicinal Plant species and 15 ha farmland under ex-situ conservation through the motivation of farmers and involvement of local people. To create awareness on medicinal plants demonstration plots of medicinal plants have been established at the Forest Training School Campus at Valpoi in the North Goa district. A model medicinal plants garden has also been created at Raj Bhavan, Dona Paula.

The Govt. of Goa has also introduced the Joint Forest Management (JFM) activity through Goa Forest Development Corporation. The JFM activities are mainly introduced for cashew production and it has been decided that in every year 10% of the area for cashew plantation is to be covered underCare & Share scheme. Eco-tourism is also promoted through Forest Department.

3.10 The following Government Sponsored Schemes are implemented in the District through Banks

|Sr. No. |Name of Scheme |Implementing Agency |

|01 |NRLM/GSRLM |DRDA, Govt. of Goa |

|02 |NULM |GSUDA/Municipal Councils |

|03 |Kamdhenu |Dept. of Animal Husbandry& Vet. Services, Govt. of Goa |

|04 |PMEGP |DIC, KVIB, KVIC |

SGSY is replaced by National Rural Livelihood Mission (NRLM) with effect from1.04.2013 and SJSRY is replaced by National Urban Livelihood Mission (NULM).

3.11 Following schemes implemented in North Goa district are not routed through Banks. The Corporations set up by Govt. of Goa are implementing the same.

|Sl. |Name of Scheme |Implementing Agencies |

|No. | | |

|1 |Chief Minister RojgarYojana (CMRY) |Economic Development Corporation (EDC) |

|2 |1)AshrayaAdharYojana |Goa State Scheduled Tribes Finance and Development Corporation |

| |2)Self Employment Scheme |Limited. |

|3 |1)Term Loan Scheme |Goa State Scheduled Castes and Other Backward Classes Finance and |

| |2)SamrudhdhiYojana |Development Corporation Limited. |

| |3)SwarnimYojana | |

| |4)Education Loan | |

| |5)MahilasamrudhdhiYojana for SHGs | |

| |6) GrahaSuraksha Scheme | |

3.12 NEW & INNOVATIVE SCHEMES THAT CAN BE IMPLEMENTED IN THE DISTT.

The district is having wide scope in horticulture & fisheries activities. A number of new and innovative schemes can be implemented in District. This will not only diversify lending portfolio of banks but will also open-up avenues for expanding their banking business in future.

The few Schemes that are identified by NABARD and those are as under:

1. Agro/ Fruit Processing units.

2. Mushroom culture.

3. Nursery and Floriculture.

4. Stall Fed Goatery Units.

5. Units under Non-Farm Sector.

6. Brackish Water Fisheries Development.

7. Inland water Fisheries Development.

8. Marine product processing units.

9. Financing to Self Help Groups (SHG)

10. Financing through Non-Government Organisation (NGO)

11. Dry Land Farming.

12. Farm Mechanization.

13. Plantation & Horticulture.

14. Cyber Information Centre (ITC)

15. Storage Godown& Market Yard.

16. Venture Capital.

17. Agri Clinic Agri. Business Centres.

18. EMU Farming.

19. Joint Liability Groups (JLGs)

The Banks may explore the possibilities of implementing suitable scheme in their operational area. Further details and any assistance required may be sought from Dist. Development Manager, NABARD, or Lead District Manager.

Activity suited to their skill, training, aptitude, and local conditions. Besides generation of income, this group strategy will strive to empower the urban poor women by making them independent as also providing a facilitating atmosphere for self-employment. Under UWSP, an activity-focused area-specific approach will be adopted for setting up micro/group enterprises with emphasis on micro-finance.

3.13 KAMDHENU SCHEME (SUDHARIT)

Government of Goa has introduced Kamdhenu scheme (Sudharit) strictly based upon the applicant fulfilling the following conditions:

i. The applicant has to be bonafide resident of Goa for at least 05 years.

ii. Shall possess a Pucca cattle shed with cement flooring for housing the animals proposed to be reared.

iii. Undertake to strictly stall feed the animals and not allow open grazing.

iv. New entrants should compulsorily undergo two week practical training on Government Farms.

CHAPTER IV

Arrangement for supporting facilities

and Agencies/Departments' responsibilities there for and infrastructural deficiencies as indicated in SAPs

4.1 Directorate of Agriculture

The Directorate of Agriculture is the main agency responsible for promoting of Agriculture in the district. It provides the technical backup through its

i) Zonal Agriculture Offices located in every Block

ii) Mechanized Cultivation Offices at Tonca, Mapuca and Valpoi

iii) Govt. Farm at Codar, Sattariestablised for production and multiplication of grafts, seedlings and seeds. The farms are also maintained as demonstration units and for trial of new technologies.

iv) A demonstration farm at ELA, Old Goa where farmers are provided with training and given information. A mushroom spawn production centre has also been established thereat.

4.2 The Directorate implements the various schemes under the State Government/ centrally sponsored schemes, Macro Management of Agriculture and also the National Horticulture Mission schemes which are extended to the State.

The various activities undertaken by the Dept. of Agriculture are as under:

i) Providing of subsidies to the farmers for undertaking various agricultural activities under the State/Centrally sponsored schemes as well as for purchase of agricultural machineries and implements.

ii) Supply of good quality planting materials and seeds.

iii) Providing agricultural machineries on customs service to the farmers.

iv) Package demonstration in cultivation/plantation with input support in cash.

v) Extension services and technical support in creation of irrigation source, Biogas etc.

vi) Facility for farmers training and organizing study tours for the farmers

vii) Facility for testing of soil at their soil testing laboratories at ELA, Old Goa in North Goa District and Margao in South Goa District.

4.3 Besides the Directorate of Agriculture the following Agencies/Departments are also involved in promoting Agriculture in the State/District:

i) Regional Office of NABARD at Panaji (Goa).

ii) The Goa State Horticulture Development Corpn. Ltd., Tonca

iii) Goa Bagayatdar Coop. Society, Ponda

iv) I.C.A.R., Old Goa

4.4 Directorate of Animal Husbandary& Veterinary Services

The Directorate provides the following services:-

4.4.1 Veterinary Health cover

The Veterinary Health cover is provided through a network of 3 Veterinary Hospitals, 8 Veterinary Dispensaries and 33 Key village sub-centres. Other establishments of the Department located in the District are:

i) Disease Investigation Unit, Tonca, Caranzalem.

ii) Cattle breeding Farm, Copardem, Sattari.

The Veterinary services are provided on payment of nominal prescribed service charges. However artificial insemination and treatment of infertility cases are provided to large animals free of cost.

4.4.2 Assistance for cattle and buffalo development

The Department provides financial assistance by way of subsidy for establishment of Modern Dairy Farm and purchase of Dairy farm equipment to enhance productivity, profitability, stability and sustainability and to create self-employment to educated unemployed youth and also to reach self-sufficiency in milk production. Besides this it also implements the Kamdhenu scheme through the Goa State Coop Bank Ltd. It also implements the Special Calf Rearing Scheme which provides 100% assistance in the form of feed for the calf. It also provides incentives to dairy farmers for renovation/repairs of cattle shed. Under the Special Livestock Breeding Programme it assists the economically weaker section to rear cross-bred cows up to the age of productivity.

The department also provides cash incentive to the milk producers to encourage dairy development in the district.

4.4.3Assistance for fodder production

To increase green fodder production and make available the various variety of green fodder for feeding to milch animals in order to increase the milk production and make the State self-sufficient in milk production, the Department provides subsidy to individuals who are interested in green fodder cultivation. It also provides financial assistance to dairy cooperative societies if they under take green fodder cultivation.

4.4.4Assistance for poultry development

The Department implements subsidy linked scheme for setting up poultry of 500 broilers/1000 layers. It also provides services through the Government poultry farm situated at ELA, Old Goa which maintains different breeds of poultry and serves as a training and demonstration centre to the poultry farmers

4.4.5Assistance for piggery development

Financial assistance for setting up of a Piggery unit by way of subsidy is provided by the department.

6. Department of Fisheries

a. Fishing is one of the important activities in the District having 42 KM of coast line besides the 130 km of waterways provided by the three major rivers of Terekhol, Mandovi and Zuari in the District. The staple food of Goans is fish and rice. Besides there is a great demand for fish from large numbers of tourist visiting the State.

b. The Directorate of Fisheries looks after the development of fisheries in the State. As the annual catch of fish in Goa was declining in the last few years the Department has totally banned mechanised fishing within the area of 5 kms from the sea coast. As there is a saturation of mechanized fishing boats in the State there is a total ban on the construction of vessels and the department is not issuing NOC for construction of new vessels except for replacement of sunk, destroyed or worn out vessels.

4.4.8 The following facilities are available from the directorate:-

i) Infrastructure development which includes provision of fishing jetties/ ramps, net mending sheds, auction sheds, constructions of approach roads at prominent fish landing centres, water supply facilities etc.

ii) Assistance by way of subsidy for construction of hulls and purchase of engines, purchase of inboard/outboard motors, purchase of sea gill nets, construction/purchase of new wooden FRP crafts and for development of shrimp farms.

iii) Subsidy on kerosene consumption by outboard motor operators.

4.4.9 Brackish-Water Fish-farmers Development Agency (BFDA)

Considerable scope for brackish water fisheries exist in the district due to availability of about 2500 ha of khajan land. The Brackish Water Fish Farmers Development Agency (BFDA) has been set up under UNDP assistance. Prawn hatchery established at Benaulim with a production capacity of 25 million white larve at 20 days stage (PL 20) which has been non-functional is being revived. Govt. brackish water farm of 5 ha area at ElaDhauji is used as demonstration farm.

4.4.10Department of forest

21% of the total area in the district is covered by forest. The forests are protected from harmful agencies, biotic and abiotic through the enforcement of the Indian Forest Act and the Forest Conservation Act 1980.The Forest Department provides the following services :-

i) Development of parks and gardens in city/town areas and road side plantation to beautify the areas.

ii) The forest department is identified as the nodal agency for promoting eco-tourism in the State. In order to exploit the vast potential and diversify the tourism activities in the State various measures have been taken to promote eco-tourism.

iii) Implementation of project of medicinal plants funded by the Government of India.

iv) The wildlife rescue squad of the department of forest operating from Campal, Panaji conducts rescue for wildlife which have strayed into human habitation.

v) Joint forest management activities involving rural folks living in the vicinity of cashew plantations in the protection and management of cashew plantation, under care and share scheme.

vi) The turtle conservation programme was started by the forest department in 1996 with the active co-operation of the villagers of Morjim in Pernem block and Galzibag, Canacona in South Goa to protect the Olive Ridely turtles. This has resulted not only in the conservation of turtle but also become an attraction for tourist.

4.4.11Small Scale Industries

The Industries sector contributes to nearly 30% of the State Domestic Product. The mining activity which was the main economic activity during the pre-liberation days continues even now and 60% of the iron ore exported from the country is from Goa alone. The mines are located in Bicholim block in North Goa. The ban on the mining activities imposed in 2012 has since been lifted and the activity is expected to start shortly. The most important industries are related to manufacture of food products followed by manufacture of metal products and parts, paper and paper products and printing, publishing and allied activities, manufacture of rubber, plastics etc.

The following Departments/Agencies play a key role in the development of Industries in the State/District:

i) The Directorate of Industries, Trade & Commerce attends to the overall coordination, registration and release of subsidy.

ii) The District Industries Centre (DIC) provides service support under a single roof for establishing industries in rural areas. It also implements the centrally sponsored scheme Prime Minister RojgarYojana (PMRY).

iii) The Economic Development Corporation Ltd is a financial and development corporation which extends financial assistance to Industries in the State/District. It also implements the State sponsored Chief Minister's RojgarYojana (CMRY), a parallel Scheme on the lines of PMRY, having better features.

iv) The Goa Industrial Development Corporation has been established for the purpose of securing land and assistance in the rapid and orderly establishment of industries in Industrial areas and Industrial estates. 22 Industrial estates has been set in the State out of which 9 are in North Goa.

v) Goa Handicraft, Rural Small Scale Industries Development Corporation (GHRSSIDC) promotes and assists in development of handicrafts, small scale cottage industries, training and marketing.

vi) National Small Industries Corporation (NSIC) supplies machinery/equipment on hire purchase and lease to SSI units.

vii) Khadi and Village Industries Board (KVIB) and the Khadi and Village Industries Commission (KVIC) implement the rural employment generation programme and provide financial assistance by way of grants to the entrepreneurs.

viii) The other Co-ordinating Agencies are: SIDBI, IFCI, MITCOM and SISI.

ix) The Government has also constituted a Software Technology Park in Goa (STPAG) for setting up of IT Industries in Goa. The STPAG will act as a Single Window Clearance Agency for setting up of IT Industries.

4.4.12 Tourism

i) Goa has emerged as a foremost tourist destination in the country both for domestic as well as foreign tourist because of its positive tourism profile. The Government has prepared a Tourism Master Plan 2011 for Goa State which has indicated a road map for sustainable development of tourism with emphasis on diversification of tourism, potential for new avenues of tourism, attracting tourist during monsoons, need for infrastructural development and identifying, financing and management strategies. The master plan has identified various projects for implementation along with investment needed.

ii) The key agencies involved in the development of tourism in the State/District are Department of Tourism and Goa Tourism Development Corporation.

iii) The department of tourism is a regulatory body under the tourist act which frames the policies and creates the necessary infrastructure, issues licenses and undertake publicity. The Goa Tourism Development Corporation undertakes commercial activities under tourism like running of hotels/hostels, conducting site seeing tours, river cruise, boat cruises etc.

The forest department has been identified as the nodal agency for eco-tourism.

4.4.13 Infrastructural Deficiencies

Agriculture:

Small and fragmented land holdings, non-availability of local labour and high labour costs, land records/titles which are not updated, majority of the farmers being tenants and share croppers not interested in increasing the input in agriculture, general alienation of agriculture and rapid urbanisation are the major constraints in development of agriculture in the State/District. Further large areas of land belonging to the Devalayas and Comunidades are lying uncultivated. About 10000 ha of land in the district is classified as 'Khajan' land prone to ingress of sea water during high tides which is less productive and requires reclamation.

ii) Animal Husbandry (Dairy & Poultry activity)

Non-availability of good quality animals and non-availability of green fodder are major impediments in development of dairy. The cross-bred animals purchased from outside the State yield less milk under the changed environment and management practices and become non-viable subsequently. The high cost of labour and high cost of feed imported from outside the State makes the activity economically non-viable and hence cannot compete with the neighboring states from where the produce is imported.

iii) Small Scale Industries -

Most of the raw material required for SSI units is procured from outside the State, thereby increasing production costs. The non-availability of skilled andunskilled labour within the state has retarded the progress. Industries are facing stiff competition from units outside the State

CHAPTER V

FINANCIAL INCLUSION

1. Introduction

Financial Inclusion may be defined as the process of ensuring access to timely and adequate credit and financial services by vulnerable groups such as weaker sections and low income groups at an affordable cost. A sizable majority of the population, particularly the low-income groups, continues to remain excluded from the opportunities and services provided by the financial sector. The SLBC in Goa had declared Goa to be 100 percent financially included.

2. Basic Savings Bank Deposit Accounts (BSBDA) (Earlier No Frill Accounts)

In the Mid Term Review of the Policy(2005-06), RBI advised the banks, with a view to achieving greater financial inclusion, to make available a basic banking ‘No frills’ account either with ‘NIL’ or very minimum balances as well as charges that would make such accounts accessible to vast sections of the population. The nature and number of transaction in such accounts would be restricted and made known to customers in advance in a transparent manner.

3. Business Facilitator (BF) / Business Correspondents (BC) / Bank Mitra

Under the “Business Facilitator” model, banks may use intermediaries, such as NGOs /farmers clubs, cooperatives, community based organizations, IT enabled rural outlet of corporate entities, Post offices, insurance agents, well functioningpanchayats, Village Knowledge Centres, Agri. Clinics/ Agri. Business Centers, KrishiVigyan Kendras and KVIC/KVIB units, depending on the comfort level of the bank, for providing facilitation services. Such services may include (i) identification of borrowers and fitment of activities; (ii) collection and preliminary processing of loan applications including verification of primary information/data (iii) creating awareness about savings and other products and education and advice on managing money and debt counseling. (iv) processing and submission of applications to banks (v) promotion and nurturing Self Help Groups/ Joint Liability Groups (vi) post-sanction monitoring; (vii) monitoring and hand holding of Self Help Groups/ Joint Liability Groups/ Credit Groups/ others; and (viii) follow-up for recovery. Ii. Under the “Business Correspondent” Model, NGOs/ MFIs set up under societies \Trust Acts, Societies registered under Mutually Aided Cooperative Societies Acts or the Cooperative Societies Acts of States, Section 25 companies, registered NBFCs not accepting public deposits and Post Offices may act as Business Correspondents. The scope of activities to be undertaken by the Business Correspondents will include (i) disbursal of small value credit (iii)recovery of principal\ collection of interest (iii) collection of small value deposits (iv) sale of micro insurance \ mutual fund products\ pension products \ other third party products nad (v) receipt and delivery of small value remittances \ other payment instruments.

4. Micro insurance

i. Micro insurance is a term used to refer to insurance characterized by low premium and low caps or low coverage limits, sold as a part of typical risk-pooling and marketing arrangements and designed to service low-income people and business not served by typical social or commercial insurance schemes. Micro-insurance is offered for wide variety of risks. These include both health risks(illness, injury or death) and property risk (damage or loss);

ii. The Department of Commissioner of Labour through NGOs implements JanashriBimaYojana in the district. The scheme provides life insurance protection to the rural and urban poor persons below poverty line and marginally above the poverty line. The premium under the scheme is Rs.200/- per annum per member. The member will contribute 50% of the premium i.e. Rs.100/- and/or Nodal Agency/State Government and the Balance 50% will be born by the Social Security Fund. In the event of Death (other than by accident) of the member, an amount of Rs.20,000/- is payable. In case of Permanent partial disability, due to accident, an amount of Rs.25,000/- is payable.

iii. As announced in the Union budget 2015-16, Government of India has launched two insurance schemes for all the Savings Bank account holders.

a. PRADHAN MANTRI JIVAN JYOTI BIMA YOJANA: Provides health insurance of Rs. 2.00 lacs to the members. All the savings bank account holders in the age group 18 to 40 can become the members by payment of annual premium of Rs.330.

b. PRADHAN MANTRI SURAKSHA BIMA YOJANA: All the Savings Bank account holders in the age group 18 to 70 yrs. Are eligible to join the scheme. Accidental cover to the extent of Rs.2.00 lacs is available on becoming member by payment of premium of Rs.12 per annum.

5. DIRECT BENEFIT TRANSFER (DBT):

Government of India has introduced Direct Benefit Transfer (DBT) into the Bank account of the beneficiary under various programmes. In the first instance, Direct Benefit Transfer was taken up w.e.f. 1.1.2013 in 51 pilot districts for various welfare schemes being implemented such as MGNREGA, Fertilizer Subsidy, Scholarship, LPG subsidy, etc. Now additional 78 districts have been added. South Goa district is one of it.

Banks have an important role to play on the Direct Benefit Transfer. While the concerned Departments/Agencies would provide details of the beneficiaries along with amounts to be credited, the banks need to be ready with the following:

a. Opening of Bank account of the beneficiaries under various schemes.

b. Since, Aadhaar numbers would form the basis for transfer of benefits; the banks need to ensure that their CBS can capture the Aadhaar numbers.

c. Providing adequate number of different access point (Branch, ATM/CD, BCAs, etc.) to enable the beneficiary to withdraw the money as per his ease and convenience.

CHAPTER VI

BANK-WISE/AGENCY-WISE/BLOCK-WISE/SECTOR-WISE/ACTIVITY-WISE CREDIT PLAN FOR THE PRIORITY SECTOR LENDINGS

INCLUDING PHYSICAL ASPECTS

6.1 As per the procedure prescribed by Reserve Bank of India, the Annual Credit Plan for the year 2016 – 17 is prepared as per the revised modalities.

The Pre- PLP meeting was convened, which was attended by representatives of Banks, Govt. Agencies etc to elicit views and to ascertain the Credit Potential available in the District and give their views and priorities and credit requirements in the District Credit Plan 2016 – 17.

6.2 Annual Credit Plan

Under instructions from RBI the modalities for preparing the Annual Credit Plans have undergone a change. From the year 2006-07 the ACPs are based on the Potential Linked Plans (PLPs) prepared by NABARD. The step by step procedure as prescribed by RBI. The Block Credit Plans finalized in the special BLBC meetings have to be aggregated by the Lead District Manager to form the District Credit Plan.

The District Credit Plan has to be placed again before the DCC by the Lead Bank Office for final acceptance/approval and then launched. The Branch Credit Plans received in soft form from branches have to be aggregated block-wise and then for the district as a whole reflecting branch-wise, block-wise, activity-wise plan. This may be treated as an attachment to the PLP and form the District Credit Plan document, if the Lead Bank so desires. The attendance of the Controlling Offices in the BLBC, DCC and Special Meetings convened to discuss PLP has to be ensured.

6.3Launching of ACP/DCP (by 1st April)

The above exercise will facilitate the active involvement of all concerned in the credit planning exercise at the block/district level and also ensure flow of credit to different sectors based on properly assessed potential.

6.4 The various fora created under the Lead Bank Scheme, viz. BLBC, DCC, DLRC, DLBC and SLBC will continue to function as usual.

6.5 The performance under Block Credit Plans will be reviewed in BLBC meetings, while the performance of banks under district plan will be reviewed at DCC meetings. Similarly, performance of banks at the State level will be reviewed in SLBC meetings.

6.6 As regards the monitoring/reporting aspects, NABARD has been requested to review the SAMIS reporting systems and to intimate necessary modification/changes in the SAMIS

6.7 The PLPs prepared by NABARD and containing Block-wise/ Activity-wise potential of crores was placed before the DCC meeting and approved in meeting. The aggregated Annual Credit Plan for 2016-17 has been arrived at Rs2981.91crores which is 26% higher over previous year. The comparative position of ACP 2015 – 16 and 2016 – 17 is as under:

(Rs. in lacs)

|Sector |DCP 2015-16 |DCP 2016-17 |

|Agri. Crop Loans |22331.38 |20099.51 |

|Agri. Term Loans |20557.99 |18380.11 |

|Sub Total Agri. |42889.37 |38479.61 |

|Agriculture Infrastructure | |2224.85 |

|Ancillary activities | |2083.88 |

|Credit Potential for Agriculture (A+B+C) | |42788.34 |

|Micro, Small and Medium Enterprises |36636.23 |150112.88 |

|Export Credit | |20694.95 |

|Education | |31611.90 |

|Housing | |46677.53 |

|Renewable Energy | |316.63 |

|Other Priority Sector |156663.53 |1952.77 |

|Social Infrastructure involving bank credit | |4036.33 |

|Total |236189.13 |298191.33 |

6.8 The accepted PLP was advised to controllers of Banks and they were advised to circulate the accepted Block-wise potentials to their branches. The allocated targets were also discussed at BLBC meetings.

6.9 In case of those Branch Credit Plans which showed significant variations from the indicated potentials based on PLP projections, discussions were held with the controllers and wherever deemed fit by the latter revised Branch Credit Plans were submitted. These are aggregated in the Block Credit Plans and in turn into District Credit Plan.

6.10 The computerized plan outputs of the credit plans prepared and submitted by the bank branches in format LBR-1 i.e. Service Area Credit Plans (SAP) and LBR-U1 i.e. Credit Plan-Semi-urban branches (Non Service Area -CPU) are enclosed. The details of reports generated under SAMRUDHI software are enclosed.

6.11 PRADHAN MANTRI JAN DHAN YOJANA

As declared by Hon’ble Prime Minister during his speech on 15.08.2014 PradhanMantri Jan-DhanYojana was launched throughout the country on 28.08.2014. The program was arranged at Delhi, State and district level with all stake holders.

PMJDY through mission mode comprises of the following six pillars.

1. Universal access to banking facility: Mapping of each district in to sub Sub Service Area(SSA) catering to 1000-5000 households in a manner that every habitation has access to banking services with in 5 K.M by January-2015.

2. Financial Literacy Programme: To be extended to the block level from district level at present by March-2016.

3. Providing Basic Banking Account: To all families and to all beneficiaries of Government Scheme by 15 the Jan 2015.

4. Micro Credit availability & Creation of Credit Guarantee Fund for coverage of defaults in such accounts: Facility of an overdraft of Rs.5,000/- through debit card to every basic banking account holder on completion of financial literacy training by 15 Jan-2015.

5. Micro Insurance:- By March 2017 and then on going basis.

6. Unorganised sector Pension schemes like Swavlamban: By March 2017 and then on-going basis.

Progress made under the schemes:

PradhanMantri Jan DhanYojana:

All the 320 villages and 253 wards in the State were already allotted to various Banks. All the banks, with the help of Gram RozgarSahayaks, School/college students, Retired Teachers / Postal staff completed survey of households in the villages and wards allocated to them and also completed the task of opening at least one account per unbanked family in the allotted villages / wards. Hon. Chief Minister of Goa announced on 07.11.2014 Goa state as first state to achieve the First Phase of opening of accounts per household under PradhanMantri Jan DhanYojana.

Pradhan Mantri Jivan Jyoti Bima Yojana,

Pradhan Mantri Suraksha Bima Yojana &

Atal Pension Yojana

The three schemes were launched nationwide by Hon’ble Prime Minister on 9th May 2015 in the programme at Kolkata. In Goa, the scheme was launched by Hon’ble Chief Minister in the meeting at Panaji and simultaneously, programmes were held at 6 more venues in Goa.

The two schemes, Pradhan MantriJivan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana envisages at providing life insurance cover of Rs.2.00 lacs and accidental cover of Rs. 2.00 lacs to savings bank account holders of the banks by payment of yearly premium of Rs. 330 &Rs 12 resp. Total number of 1.28 lac account holders were covered up to the day of launch of the scheme.

Atal Pension Yojana is the pension scheme for workers in unorganized sector. Savings bank account holders in the age group of 18-40 are eligible to join the scheme by contributing fixed monthly amount, depending upon the amount of monthly pension, till the age of 60. Government will contribute 50% of the yearly contribution or Rs.1000, whichever is lower, for the first 5 years; as its share in the scheme. Erstwhile SWAVALAMBAN scheme is since discountinued with option to the members to join Atal Pension Yojana.

IMPORTANT AGENCIES / BANKS / OFFICES AT DISTRICT PLACE

|The District Collector |The Chie Executive Officer |

|Collector office, North Goa |Zilla Panchayat, 3rd Lift, 5th Floor, |

|Phone: 0832 2223612 |Junta House, Panaji - Goa |

|Fax: 2426492 |Phone: 0832 2423437 |

|Mobile no.09822123071 |Fax: Mobile no.9422437071 |

|The Director |The Project Director |

|District Planning & Statistics |District Rural Development Agency (North) |

|PanditDeendayalUpadhyayBhavan, |SPACES, 7th Floor, EDC, Patto, Panaji - Goa |

|Near PundalikDevasthan, Pundalik Nagar |Phone: 0832/2226250 |

|Alto – Porvorim, Goa |Fax 2422965 |

|Phone: (0832) 2417439/35 |Mobile no.9823196590 |

|Fax :(0832) 2417443/37 | |

|The Director Agriculture |The Director, Social Welfare |

|Govt. of Goa, Tonca, Goa |Govt. of Goa, 18 June Road, Panaji |

|Phone: 0832/2465845 |Phone: 2232257/ 2223784 |

|Fax 2422243Mobile no.09423061340 |Fax 2228172 Mobile no. 9921621515 |

|The Director |The Director |

|Fisheries Department, |District Animal Husbandary |

|Capt. of Ports Jetty, Panaji |& Veterinary Services, |

|Phone: 2224838 |Patto, Panaji Phone: 2437244 |

|The District Recovery Officer, (North Goa) |The Director |

|Collectorate North Goa, |Industries, Trade & Commerce Department, |

|Panaji Goa |UdyogBhavan, Panaji |

|Phone: 2223612 |Phone: 2222241 Fax Mobile no. |

|The Chief Executive Officer |State Director, |

|Khadi& Village Industries Board (KVIB) |Khadi& Village Industries Commission, |

|2nd Lift, 2nd Floor, Junta Bldg. Panaji, Goa |2nd Lift, 2nd Floor, Junta Bldg. Panaji, Goa, |

|Phone: |Panaji, Goa |

|Fax 2222494 Mobile no.9422059555 |Phone: 0832/2223676 |

|The General Manager |The Project Officer |

|District Industries Centre |SwarnaJayantiShahariRojgarYojana |

|UdyogBhavan, Panaji Goa |ShramshaktiBhavan, Patto, Panaji |

|Phone: 2226377 |Phone: 2437210 Fax 2437094 |

|The Managing Director, |The Managing Director, |

|Goa State SC/OBC Finance and |Goa State ST Finance and |

|Development Corporation, |Development Corporation, |

|4th Floor, Patto Centre, |DayanandSmritiBldg, |

|Near KTC Bus Stand, Panaji Goa |Swami Vivekanand Road, |

|Phone: 2438177/80 |Panaji Goa Phone: 2426949 Fax 2420215 |

|Fax 2438178 | |

|Assistant General Manager (DDM) |The Assistant General Manager |

|NABARD, |Reserve Bank of India, RPCD, |

|Goa Regional Office, |Patto, Panaji Goa. |

|NizariBhavan, Panaji |Phone0832/2437692 |

|Phone: 0832/2220490 |Fax: 0832/8438657 |

|Mobile no.09422442518 |Mobile: 09822618590 |

|The Assistant General Manager |The Regional Manager |

|State Bank of India, Region –I |Bank of Maharashtra |

|St. Inez Panaji Goa |Panaji Regional Office, m. g. rd. |

|Phone: 2441221, 225, 259 |Phone: 2235955 |

|Fax 2441299, 2224596 |Fax 2223136 |

|Mobile: 8806660012 |Mobile no. 9730000525 |

|The Assistant General Manager |The Regional Manager |

|State Bank of India, Region –II |Central Bank of India, |

|Santinez, Panaji Goa |R. O.Panaji, Mascarenhas Bldg., |

|Phone: 2226091/92/93/94, 6641193 |Antao de Noronha Road, Panaji - Goa |

|Fax 2422880 |Phone: 2425156/ 2224385 |

|Mobile no. 8806660010 |Fax 2223177 |

|(For Ponda block only) |Mobile no.9923752681 |

|The Dy. General Manager, |The District Coordinator, |

|Bank of Baroda, Regional Office Goa & Western Maharashtra |Allahabad Bank |

|Region |Panaji Branch |

|Plaza Chambers, 4thflr, Dr. A. B. Road, |Hotel AmeyaBldg, Opp. St Inez church, |

|Panaji Goa |V. S. Dempo Road, St Inez Panaji - Goa |

|Phone: 2235338/ 2228475 |Phone: 2421551/ 2262801 |

|Fax 2228367 Mobile no.9823206710 |Fax 2421551 Mobile no.9822422767 |

|The District Coordinator, |The Deputy General Manager, |

|Indian Bank |Union Bank of India |

|Panaji Branch |1st Floor, Niz-Mar Bldg., |

|Velho Bldg., Dr D. R.D`souza Road |Panaji Regional Office, |

|Phone: 229075/ 2225994 |Dr. A. B. Road, Panaji – Goa. |

|Fax Mobile no.9423885094 |Phone: 2420915/ 2421293 |

| |Fax 2420916 Mobile no.9922975100 |

|Zonal Manager, |The District Coordinator, |

|Bank of India |IDBI Bank, Panaji Branch |

|Zonal Office, Dempo House, Panaji Goa |6th Floor, EDC House, A. B. Road, |

|Phone: 2404323 |Panaji Goa |

|Fax 2421505 Mobile no.9820262723 |Phone: 2220637, 2255227 |

| |Fax Mobile no. |

|The District Coordinator | The Branch Manager, |

|Oriental Bank of Commerce |BharatiyaMahila Bank |

|Panaji Branch, Dempo Towers, |Panaji Branch, Karina Chambers, |

|Patto Plaza, Panaji - Goa |Opp. SBI Administrative Bldg., MG Rd. Panaji Goa |

|Phone: 2438174/ 2438173/ 75 |Phone: 2423711 |

|Fax 2438174 Mobile no.9960692956 |Fax Mobile no.7720007835 |

|The District Coordinator | The District Coordinator |

|State Bank of Patiala |Vijaya Bank |

|Mapusa Branch |Panaji Branch, H. S. Road, |

|DilkushBldg, Nr Municipal Garden |JDDM Hall Bldg., Panaji Goa |

|Mapusa Goa 403507 |Phone: 2424437/2424793 |

|Phone: 2252811/ 2262430 |Fax |

|Fax 2262797 |Mobile no.9867095117 |

|Mobile no.9665689991 | |

|The District Coordinator, |The District Coordinator, |

|Dena Bank |UCO Bank |

|Panaji Branch, |Panaji Branch, |

|IndraPrastaBldg, Gr Flr, |M. G. Road, Govinda Bldg., Panaji - Goa |

|DrShirgaonkar Rd., Panaji Goa |Phone: 2227777/ 2220400 |

|Phone: 2225106/ 226340 |Fax 2421279 |

|Fax 2224935 Mobile no.9326128419 |Mobile no.09766678901 |

|Dy.General Manager, |Dy.General Manager, |

|Syndicate Bank |Canara Bank |

|R. O. Indira Apartments, 1st Floor, |Circle Office, Mathias Plaza, |

|Opp. Delmon Hotel, Panaji- Goa. |18 June Road, Panaji Goa |

|Phone: 2222235/ 2424083 |Phone: 2426477/ 2232011/2420056 |

|Fax2223448 |Fax 2225123 |

|Mobile no. 9423884050 |Mobile no.9890903592 |

| The District Coordinator | The District Coordinator |

|Punjab National Bank |Punjab and Sindh Bank |

|Panaji branch, Calisto Mansion, |Panaji Branch, S V Rd. Panaji - Goa |

|DrPissurlekar Rd, Panaji - Goa |Phone: 2432201 |

|Phone: 2426593/ 2224965 |Fax |

|Fax 2224528 Mobile no.9765535666 |Mobile no.9221296250 |

|The Asstt. General Manager |The District Coordinator |

|Indian Overseas Bank |United Bank of India, Panaji Branch |

|Regional Office, Rua De Ourem, Panaji |RuaHeliodore Salgado, Panaji Goa |

|Phone: 2435751/ 2430864 |Phone: 2224011/ 2422828 |

|Fax Mobile no.9405222864 |Fax 242828 Mobile no.9923830479 |

|The District Coordinator |Dy.General Manager, |

|Andhra Bank |Corporation Bank |

|Panaji Branch, GauriNiwas |Zonal Office, 1st Floor, Salgaonkar Bldg., |

|Dr A. B. Road, Panaji Goa |Ruo de ourem, Panaji- Goa. |

|Phone: 2223513/ 2222476 |Phone: 2426048 18 / 2437971 |

|Fax 2432461 |Fax 2223408 |

|Mobile no.9158330950 |Mobile no.9970164517 |

|The Branch Manager, |The Sr. Manager, |

|State Bank of Hyderabad, Panaji branch, |KarurVysya Bank Ltd., Panaji branch, |

|Shop No 3, Gr. Floor, Nova Goa Bldg., |AG 1 & AG 4, Campal Trade Centre, |

|Dr. A. B. Road, Panaji Goa |Behind Military Hospital, |

|Phone: 2226021 |B B Braganza Road, Panaji Goa. |

| |Phone: 2221216 |

|The District Coordinator, |Sr. Manager, |

|Kotak Mahindra Bank Ltd., |ApnaSahakari Bank Ltd., Mapusa br. |

|Panaji Branchh, |Kandalkar Bldg., Angod, Near Jama Masjid, |

|Shop No. 2, Rio Sol Tower, |Mapusa Goa 403507 |

|Next ToCampal Clinic, Panaji Goa 403001 |Phone: 2255344 |

|Phone: 6658931 | |

|Sr. Manager, |The District Coordinator, |

|Kokan Mercantile Coop Bank Ltd., |NKGSB Coop Bank Ltd., |

|Panaji br., |Panaji br., |

|1st Floor, Office No. 7, |Hotel Manoshanti, Behind EDC House, |

|El Dorado Plaza, Situated at Helidoro Rd., |Dr. Dada Vaidya Rd. Panaji Goa 403001 |

|Panaji Goa 403001 |Phone: 2904825 |

|Phone 2230880 | |

|The District Coordinator, |The District Coordinator, |

|Punjab & Maharashtra Coop Bank Ltd., |TJSB Sahakari Bank Ltd., |

|Caranzalem branch, Heritage Symphony, |Panaji Br., 001, Gr. Floor, |

|Shop No. B-1 & B-2, Gr. Floor, |Dr. atmaramBorkar Rd., Nova Goa, |

|Taleugao,on Old Dona Paula Rd. |Panaji Goa |

|Caranzalem Goa 403002 |Phone: 2250520 |

|Phone: 2463031 | |

|The District Coordinator |The District Coordinator |

|State Bank Of Mysore |State Bank of Travancore |

|Panaji Branch |Panaji Branch |

|Nr Municipal Market |109/110, Shiv Towers, Patto Plaza |

|Lar commercial arcade, 1stflr |Panaji Goa 403001 |

|Panaji Goa |Phone: 2437828/ 2437827 |

|Phone 2224846 / 2421930 |Fax 2437827 |

|Fax 2421930 Mobile 8888884857 | |

|The District Coordinator | The District Coordinator |

|DCB Bank ltd |Jammu and Kashmir Bank ltd |

|Panaji Branch, Edorado Plaza, |Panaji Branch, Atmaram Commercial Complex, |

|Panaji - Goa |Dr A. B. Road, Panaji – Goa. |

|Phone: 6630950- 957 |Phone: 2435215/ 2903383 |

|Fax 6630950 Mobile no. |Fax 2435215 Mobile no.9730049494 |

| The District Coordinator |The District Coordinator |

|AXIS Bank Ltd |The Federal Bank Ltd; Panaji Branch, |

|Panaji Branch, SiddharthBandodkarBhavan |Nilkamal Arcade, PB No 323 |

|P. Sirgaonkar Rd, Panaji Goa |Opp CTO, Dr A. B. Rd, |

|Phone: 6640808/ 804 |Panaji - Goa |

|Fax 6640800 Mobile no.8806900781 |Phone: 2228261/ 62 Fax 2431217 |

| The Regional Head | The District Coordinator |

|ICICI Bank Ltd; |HDFC Bank Ltd’ |

|Panandikar chambers, |Circle Office, |

|New Fatima convent |Metropolis Bldg., 6th Floor, |

|MinguelLoyala Furtado Road, |Near Vintage Hospital, |

|Margao Goa |St. Inez, Panaji - Goa |

|Phone: 6480292 / 2421639 |Phone:6528269 |

|Fax 2220347 Mobile no. 9823130336 |Fax Mobile no. 9370538570 |

|The District Coordinator |The District Coordinator |

|Indusind Bank Ltd |Catholic Syrian Bank Ltd |

|Panaji Branch |Panaji Branch |

|Gr flr, SmitVandhanBld, OppVivanta Hotel |Rizvi Towers, 18 June Rd |

|St Inez, Panaji Goa |Panaji Goa |

|Phone: 2429044 |Phone: 2435945/ 2228246 |

|Fax 2427799 |Fax 2228246 |

|Mobile no.9860722333 |Mobile no.9820710278 |

|The District Coordinator |The District Coordinator |

|Yes Bank Ltd |RBL Bank, Panaji Branch |

|Panaji Branch |Shop no G/10 & G/11 |

|Gr Flr, St AgustineBldg |Nizmarcentre, Gr flr |

|18 June Rd, Opp HDFC Bank |DrAtmaram Rd, Panaji Goa |

|Panaji - Goa |403001 |

|Phone: 6659000 |Phone 2431045/ 46 |

|Fax 6659010 Mobile no.9970499420 |Fax 2431045 Mobile 9823202762 |

|The District Coordinator |The District Coordinator |

|South Indian Bank |Bicholim Urban Co-operative Bank |

|Panaji Branch |C O Nandanvan |

|23-25, Nr Municipal Office Bldg |Bicholim 403504 |

|DrPissurlekar Rd |Phone 2362142/ 2363047/2362349 |

|Phone 2229610/ 2225130 |Fax 2362349 |

|Fax 225130 Mobile 9766216626 |Mobile 9822588757 |

|The Chief Executive Officer |The District Coordinator |

|Citizen Co-operative Bank Ltd |Dhanalaxmi Bank Ltd |

|Head Office |Panaji Branch |

|Lakshdeepappt |Gr flr, ShantadurgaNiwas |

|Nr Damodar Temple |M G Road, Panaji Goa |

|Vasco da Gama Goa. 403802 |Phone 2231829 |

|Phone 2511033 |Fax |

|Fax 2519290 Mobile |Mobile 8007771679 |

|The District Coordinator |The District Coordinator |

|Goa State Cooperative Bank Ltd |Goa Urban Cooperative Bank Ltd |

|Head Office, |Head Office, Dr. A. B Road |

|“SahakarSankul”, EDC Complex |Panaji goa |

|Patto Plaza, Nr. KTC Bus Stand |Phone 2224421/ 22/ 23 |

|Panaji Goa |Fax 2426861 |

|Phone 2437650/ 2437641 |Mobile 9552590718 |

|Fax 2437283 Mobile 9423821651 | |

|The District Coordinator |The District Coordinator |

|Madgaum Urban Cooperative Bank Ltd |Mapusa Urban Cooperative Bank Ltd |

|Head Office Margao, VarshaBldg, |Head Office, Mapusa |

|Aquem Alto, Margao Goa 403601 |NandadeepBldg, Mapusa Goa 403507 |

|Phone 2735221/ 222 |Phone 2250901/ 902 |

|Fax 2734292 |Fax 2262427 |

|Mobile 9850853828 |Mobile 9822988319 |

|The District Coordinator |The District Coordinator |

|Saraswat Cooperative Bank Ltd |ShamraoVithal Cooperative Bank Ltd |

|Ho Panaji, Zone V, Goa |Panaji Branch |

|MushtifundSaunsthaBldg |Gr flr, Primavera Bldg |

|Dr. Dada Vaidya Road, Panaji goa 403001 |Nr EDC, Dr. A. B. Rd |

|Phone 2430907/ 2422151 |Phone 2432552 |

|Fax 2431804 |Fax 2432553 |

|The District Coordinator |The District Coordinator |

|Womens Coperative Bank Ltd |Karnataka Bank Ltd |

|Panaji Branch |Panaji Branch, Santinez Church Premises. |

|AkashBhavan, |Santinez, Panaji - Goa |

|RuaHeliodero de Salgado Road |Phone: |

|Opp Mathias Plaza |Fax 2221926 Mobile no.9423056581 |

|Panaji goa | |

|Phone 2228933Fax 2421971 Mobile | |

BLOCK-WISE PROFILE OF NORTH GOA DISTRICT

|Sl. |Particulars/Block/District |Tiswadi |Bicholim |Sattari |Bardez |Pernem |District |

|(1) |(2) |(3) |(4) |(5) |(6) |(7) |(8) |

|1 |Geographical Area Sq.K.m. |213.55 |238.79 |495.13 |263.98 |251.68 |1463.13 |

|2 |Village inhabited |28 |28 |78 |41 |27 |202 |

|3 |Population in thousands |177219 |97955 |63817 |237440 |75747 |652178 |

| |i |Rural |37549 |55775 |49422 |74321 |45681 |

| |i |Farmers |2091 |2272 |2564 |3054 |2655 |

|6 |Land Utilization area | | | | | | |

| |i |Geographical |16611 |23633 |51284 |26480 |24200 |

| | |area | | | | | |

|8 |Land holding Between (Nos/Hactors) | | | | | | |

| |i |Less than 1 Ha |2636/903 |4290/1248 |2524/1190 |8546/2724 |5714/2124 |

|10 |Animal Husbandry (No. in“00”) | | | | | | |

| |i |Works Animals | | | | | |

| |i |Veterinary |0 |01 |02 |03 |02 |

| | |Dispensaries | | | | | |

|i |Water spread area in “00” ha | | | | | |52.70 ha | | |ii |Fish Production in M.T. 2011 | | | | | |22809 mt | |

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