PLP 2006-07 - Nagaon, Assam
craft is mostly practiced in the tribal areas. Eri is most extensively raised in the district
followed by Mulberry.
Pisciculture is a major allied agrl. enterprises in the district. The mighty Brahmaputra as
well as the large water bodies like beels and low lying swamps are the natural breeding
places for large variety of fishes and provide large capture for markets both within and
outside the district. The district has also large number of culture fisheries mostly ponds.
Live-stock rearing also provide supplementary income to large number of rural
households. Poultry, Duckery, Goatery and Piggery are also major activity of the rural
Handloom (Weaving & Embroidery) is the largest cottage industry and is playing a key role
in the socio-economic life of the people. Handicraft is also another cottage and household
industry providing self employment opportunities to supplement the earnings of the rural
people. Cane and bamboo, japi and pati making, potteries, Bell metal, jewellery making etc.
are some of the handicraft activities taken up in the district. Supari making units have also
come up as economic activity in Rupahi, Juria and Bajiagaon blocks in the district.
The non-agricultural sectors are concentrated in activities like trade and transport. Few
activities linked to agriculture sector like input support e.g. seeds, chemical fertilizers,
pesticides, agro-implements etc. have come up in the district in a big way.
14. Major food/commercial and plantation/horticulture crops :
The major agricultural crops grown in the district are paddy, potato, mustard, jute, sugarcane,
wheat and other vegetables. Besides these crops, the district produces various types of
horticultural fruits like banana, papaya, litchi, pineapple, lemon etc. and other plantation crops
such as coconut, arecanut etc. Tea cultivation is also done mostly in the organized sector.
Some small tea growers have come up in the district.
15. Special /Additional factors of the district :
The district has a high density of population of 604 persons per sq. km. Total population of
the district as per 2001 census was 23,15,387 persons, out of which the population of male and
female was 11,94,327 and 11,21,060 respectively. The gender ratio was 939 women per 1000 men
in the district. The district has a literacy rate of 68.52% among male and 55.57% among female
(district average - 62.28%). The population of SC and ST (as per 2001 census) are 2,37,116 and
87,310 respectively, which constitute 10.02% and 3.69% respectively.
Except 3 big industries and some small SSI units, the district is industrially backward. In
terms of natural endowment, it has to depend on its land and land based resources. The
process of development has so far, therefore, centered around development of the
agricultural and allied sector activities.
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PLP 2006-07 - Nagaon, Assam
16. Important socio-economic development
As per 1991 census out of 5,53,993 lakh work force of the district, the number of male and
female workers is 4,88,500 and 65,493 respectively. 70% of the work force are engaged in
primary sector and the rest 30% are absorbed in secondary and tertiary sectors.
17. Infrastructure projects under execution with support from NABARD under
The funds under Rural Infrastructure Development Fund maintained by NABARD are made
available to the State Govt.s and state owned corporations for completion of the on-going
projects and also for creation of new rural infrastructure projects such as minor and micro
irrigation, soil conservation, Flood Protection/drainage, Watershed Development/
Reclamation of waterlogged areas, Drainage, Forest Development, Apna Mandi, rural haats
and other marketing infrastructure, Cold Storage, Public management, rural roads/ bridges,
integrated cold chains, rural market yards/godowns, fish jetties etc. For Nagaon district,
the State Govt. has availed the loan for the undernoted projects:
Tranche -II (1996- 1997) Bridge - 1 No.
-IV (1998- 1999) Bridge - 13 Nos.
- V (1999-2000) STWs - 13450 Nos.
- VIII(2002-2003) Bridge - 3 Nos.
-IX (2003-2004) Bridge - 10 Nos.
It may be mentioned here that the projects for installation of STWs had already been
completed. Construction of some of the bridge projects have already been completed and for
the remaining RCC bridges, the construction work is going on.
18. Factors affecting the District Rural Economy & Development of various
Regular occurrence of flood is the problem being faced by the district for maintaining/
expansion of the cropped area. Infact, the net cropped are has come down during the last
three years due to floods. There was unprecedented floods in the district on two occasions
in July and October 2004 causing heavy damage in the agrl. and allied sector. However,
this year till writing of the PLP, the district of Nagaon is experiencing low rainfall and this
has resulted delay in ploughing as well as sowing of sali paddy seedlings.
Recovery position of bank loans as on 31 March 2003 in the district was 48% and
recovery of loans is a problem for the bank branches. The recovery position needs to
be improved for better recycling of funds for further lending. Special attention has
to be paid for recovery of loans under all govt. sponsored programmes particularly
under PMRY where loan recovery is very poor. Joint recovery drives have to be
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PLP 2006-07 - Nagaon, Assam
launched periodically with the active supports from the sponsoring agencies. The
District Authority may expedite the Bakijai cases so as to recover overdue loans
from the defaulters for bringing down the NPAs. Further, the beneficiaries in rural
areas may be imparted the repayment ethics through NABARD’S Farmers Clubs
Programme. All rural branches may take initiatives to launch Farmers Clubs in
their respective service areas for creation of an environment of securing
development through credit, arranging trainings for the farmers, proper utilisation
of loans, timely repayment and developing savings habit.
Most of the bank branches are disbursing loans under govt. sponsored programs &
under Non Priority Sector (NPS), leaving a small amount of loans under schematic
lending under Agrl. and allied sector. Further, non implementation of the credit
linked govt. sponsored programs under SC/ST Development Corporations due to
fund constraints has resulted inadequate credit flow to the various sectors.
Credit flow to some of the activities under agrl. and allied sector like Minor Irrigation
(STWs, LLPs,Pumpsets etc.), Plantation & Horticulture, Poultry, Fishery, Goatery &
Piggery, Land Development etc. has to be improved further as these activities have not
received due attention of the bankers . Therefore, bank branches are required to take
steps for extending loans for schematic lending under agrl. and allied sector in
particular. For this, they may take the help of FMCs, Farmers Clubs, NGOs etc.
The Pathar Parichalana Samities (PPS) is a good concept for development of
agriculture in the state of Assam. The district has 1912 Pathar Parichalana Samities to
look after the management of the agricultural fields of the farmers. Thus the PPSs
have a greater role to play in motivating the farmers for diversifying of agricultural
activities by availing of various govt. as well as subsidy-linked credit programmes
/Schemes in the district. It will not only help in improving the credit flow to the much
needed agrl. sector but also increase the production of crops.
A good number of NGOs/VAs are in existence in the district. However, most of them
are not involved with credit linked programs of the district. They may be motivated
to come forward for development of the district.
Due to the decision taken by the State Govt. to borrow loans from NABARD RIDF
for installation of 1,00,000 STWs and another 30,000 STWs under World Bank
assisted -ARIASP, there has been tremendous change in the agricultural scenario
of the state including Nagaon district. As a result, the demand for bank loan in
rural areas has increased and bank branches have to respond for meeting the
credit needs of the farmers.
The flow of funds from the outside investors in the district is not forthcoming.
Therefore, the state govt. and other agencies especially the trade and commerce
bodies have to make their efforts in motivating the outside investors for investing
in the district to ensure rapid development of rural economy.
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PLP 2006-07 - Nagaon, Assam
Indicators of the Credit Delivery System - Key Banking Statistics
as on 31-03-2005
( Rs.lakh )
Sl. Particulars Co-operatives RRB CBs Total
No SCB LDB
1 No. of Banks 1 1 1 11 14
2 No. of Branches
(i) Rural 2 1 27 44 74
(ii ) Semi-urban 2 2 3 13 20
(iii) Urban - - - - -
Total 4 3 30 57 94
3 No. of Staff per branch 20 6 4 8 -
4 No. of loan accounts NA - 12274 NA -
5 No. of loan a/c. per branch NA - 409 NA -
6 Avg. population per branch (000) 473 379 21 22 -
7 Avg. no. of villages covered per 340 272 22 17 -
8 Total deposits as on 31.3.2005 3743 - 10227 76348 90318
9 Avg. deposits per branch 936 - 341 1339 992
10 Growth in deposits (%)
a) 2005 over 2004 10 - 17 10 11
b) 2004 over 2003 (-)0.06 - 20 11 12
11 Total loan outstanding as on 1119 -- 4018 27424 32561
12 % increase in outstanding
a) 2005 over 2004 11 - 38 54 49
b) 2004 over 2003 3 - 43 22 24
13 Outstanding per account NA - 0.240 NA -
14 Outstanding per branch 280 - 134 481 358
15 % of Agrl. advance to total adv. 42 - 22 16 18
16 CD Ratio 30 - 39 36 36
17 % of recoveries of loans to demand therefor :
a) as on 31.3.2003 NA - 39 -- ---
b) as on 31.3.2004 NA - 57 54 45
c) as on 30.3.2005 10 - 53 34 34
18 % of overdues to loan outstanding 95 - NA NA -
19 % of net NPA’s to total Assets NA NA NA
20 Short term and investment credit perDuring 2004-2005, Short term and investment
hectare and consequent influence oncredit per ha.were estimated to be at Rs.428.00
increasing the productivity per unitand Rs.290.00 respectively.
of resources deployed (land,
irrigation, live- stock etc)
* Excluding branches of LDB
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