�ि�

�ामीण समृि� क� िलए रा��ीय िवकास ब�क

ध्येय
सहभािगता, संधारणीयता और समानता पर आधा�रत िव�ीय और गैर-िव�ीय सहयोग�,
नवोन्मेष�, �ौ�ोिगक� और संस्थागत िवकास क� माध्यम से समृि� लाने क� िलए क�िष
और �ामीण िवकास का संवधर्न

Vision
Development Bank of the Nation for fostering rural prosperity

Mission
Promote sustainable and equitable agriculture and rural development
through participative financial and non-financial interventions, innovations,
technology and institutional development for securing prosperity
 ा कथन/ Foreword

नाबाड का आं दे श े ीय कायालय रा के कृिष और Andhra Pradesh Regional Office of NABARD is

ामीण से टरों म कृिष और ामीण िवकास को बढ़ावा दे ने के dedicated to fostering agricultural and rural growth
within the agriculture and rural sectors of the state.
िलए समिपत है . ामीण िव ीय सं थानों को समय पर पु निव
By ensuring timely refinance support to Rural
सहायता सुिनि त करने के मा यम से, नाबाड ामीण े ों म Financial Institutions, NABARD facilitates lending
कृिष और कृिष से इतर गितिविधयों, दोनों के िलए ऋण िवतरण to both farm and off-farm activities in rural areas.
Beyond financial support, NABARD is also
को सुगम बनाता है . िव ीय सहयोग दान करने के अलावा,
spearheading developmental initiatives and
नाबाड िवकासा क पहलों और मता िनमाण की भी अगुवाई capacity building.
करता है .
Promoting capital formation in agriculture and
संधारणीय और समावेशी िवकास के िलए कृिष और सं बंिधत related sectors is paramount for sustainable and
से टरों म पूं जी िनमाण को बढ़ावा दे ना सव प र होता है . ' ामीण inclusive growth. Realizing our vision of 'Fostering
Rural Prosperity' hinges on an accurate evaluation
समृ को बढ़ावा दे ने' के हमारे ि कोण को साकार करना, and estimation of a district's credit potential for
िविभ आिथक े ों के िलए िजले की ऋण मता के सटीक various economic sectors. With this perspective, I'm
मू ां कन और आकलन पर िटका होता है . इस प र े म, मु झे delighted to unveil the Potential Linked Credit Plan
(PLP) for 2024-25. Since 1989, NABARD has
2024-25 के िलए संभािवत-यु त ऋण योजना (पीएलपी) को
consistently released PLPs for every Indian district.
अनाव रत करते ए खुशी हो रही है . वष 1989 से नाबाड लगातार These plans have shown their merit by aiding
हर भारतीय िजले के िलए पीएलपी जारी करता आ रहा है . इन bankers in determining genuine and actionable
योजनाओं ने वा िवक और काया वयन-यो ऋण मां गों को credit demands. Moreover, PLPs highlight
infrastructural deficiencies and recommend pivotal
िनधा रत करने म बकरों की सहायता करके अपनी उपादे यता
interventions by the State Government and banks to
िस की है . यही नहीं, पीएलिपयों म आधारभूत सं रचनाओं की optimize the credit potential of priority sectors—
किमयों को दशाया जाता है और ाथिमकता- ा त े ों की these sectors being the linchpins of the rural
ऋण मता को अनुकूिलत करने के िलए रा सरकार और economy. Aligning with the Government of India's
emphasis on the Cooperative Sector, our PLP also
बकों ारा िकए जाने वाले मह पू ण ह े पों की िसफा रश भी
sheds light on the sector's outreach, activities, and
की जाती ह – योंिक ये े ामीण अथ व था की धु री होते challenges in the district, aiming to craft robust
ह. भारत सरकार ारा सहकारी े ों पर िदए जा रहे बल के credit strategies for its growth.
म म हमारी पीएलिपयों म इस से टर की प ं च, गितिविधयों I extend my gratitude to all stakeholders, including
और चुनौितयों पर भी काश डाला गया है , िजसका उ े the Government of Andhra Pradesh, Reserve Bank
इसके िवकास के िलए मजबूत ऋण रणनीित तैयार करना है . of India, State Level Bankers Committee, partner
agencies, and banks, for their invaluable support in
म, आं दे श सरकार, भारतीय रज़व बक, रा रीय बकर shaping the PLPs. It is my earnest hope that the
projections outlined in the PLP will serve as a
सिमित, साझेदार एजिसयों और बकों सिहत सभी िहतधारकों के
foundational guide for banks to intensify their
ित, पीएलपी को आकार दे ने म उनके अमू सहयोग के िलए lending activities, tapping into the full potential of
आभार करता ं . मुझे पू री उ ीद है िक पीएलपी म key priority sectors. I'm confident that this PLP will
be of immense utility to all parties involved. I
उ खत अनुमान, बकों के िलए उनकी ऋण संबंधी
warmly welcome any constructive feedback and
गितिविधयों को तेज करने के िलए एक मूलभू त मागदशक के suggestions to enhance the quality and scope of this
प म काम करगे , जो मुख ाथिमकता- ा त े ों की पू री document.
मता का दोहन करने म स म होंगे. मुझे, िव ास है िक यह
पीएलपी, इसम शािमल सभी प ों के िलए अित उपयोगी िस
होगी. म, इस द तावेज की गुणव ा और दायरे को और बढ़ाने
के िलए िकसी भी रचना मक िति या और सुझावों का हािदक M.R. Gopal
वागत करता ं . Chief General Manager
Andhra Pradesh Regional Office
एम.आर.गोपाल
मु य महा बंधक
आं दे श े ीय कायालय
PLP document prepared by:

Shri Samanth Kumar Gangala Reddy

District Development Manager

NABARD

Anakapalli District

आं दे श े ीय कायालय ारा पीएलपी द तावे ज़ को अं ितम प िदया गया.

अ वीकरण: सावजिनक प से उपल ोतों से ा सूचना तथा िविभ िहतधारकों के साथ ई चचा के
आधार पर द ावेज़ तैयार िकया गया है. साम ी तैयार करते समय वा िवक आधार पर ऋण संभा ता
का अनुमान लगाने के िलए हर संभव यास िकए गए ह. इस द ावेज़ के आं कड़ों अथवा सूचना का उपयोग
करने से िकसी / संगठन को ई िकसी भी कार की भौितक अथवा अ हािनयों के िलए नाबाड
िज ेदार नहीं होगा.

Disclaimer: The document has been prepared on the basis of information collected from
publicly available sources and discussions with various stakeholders. While preparing the
projections, every effort has been taken to estimate credit potential realistically. NABARD shall
not be responsible for any material or other losses occurring to any individual/organization
owing to use of data or other contents of this document.
 INDEX

Chapter Page
Particulars
No. No.
Executive Summary i
Sector/Sub-Sector-wise Projection 2024-25 - (Appendix A & B) vi
District Profile along with the Map of the District xi
Banking Profile xii
Methodology of Preparation of Potential Linked Credit Plans (PLPs) xv
1 Important Policies and Developments
1.1 Policy Initiatives – Government of India 1
1.2 Policy Initiatives – Reserve Bank of India 3
1.3 Policy Initiatives – NABARD 4
1.4 Policy Initiatives – State Government 5
1.5 State Government Sponsored Programmes with Bank Credit 10
2 Credit Potential for Agriculture
2.1 Farm Credit
2.1.1 Crop Production, Maintenance and Marketing 11
2.1.2 Water Resources 15
2.1.3 Farm Mechanization 16
2.1.4 Plantation and Horticulture including Sericulture 18
2.1.5 Forestry and Waste Land Development 19
2.1.6 Animal Husbandry – Dairy 20
2.1.7 Animal Husbandry – Poultry 22
2.1.8 Animal Husbandry – Sheep, Goat, Piggery, etc. 23
2.1.9 Fisheries 24
2.1.10 Farm Credit – Others, including Two Wheelers for Farmers 26
2.1.11 Sustainable Agriculture Practices 27
2.2 Agriculture Infrastructure
2.2.1 Construction of Storage and Marketing Infrastructure 28
2.2.2 Land Development, Soil Conservation and Watershed Development 29
2.2.3 Agri. Infrastructure – Others 31
2.3 Agriculture – Ancillary Activities
2.3.1 Food and Agro Processing 32
2.3.2 Agri. Ancillary Activities – Others 34
3 Credit Potential for Micro, Small & Medium Enterprises (MSME) 36
4 Credit Potential for Export Credit, Education and Housing 39
5 Credit Potential for Infrastructure
5.1 Infrastructure – Public Investments 43
5.2 Social Infrastructure Involving Bank Credit 45
5.3 Renewable Energy 46
6 Informal Credit Delivery System 48
7 Critical interventions required for creating a definite impact 49
8 Status and Prospects of Cooperatives 59
9 NABARD’s Projects and Interventions 62
Annexure Activity-wise and Block-wise Physical and Financial Projections – 2024-25 65
I
Annexure An Overview of Ground Level Credit Flow – Agency-wise and Sector-wise – 75
II 2020-21, 2021-22, 2022-23 and Target for 2023-24
Annexure Sub-Sector-wise and Agency-wise Credit Flow Under Agriculture and Allied 76
III Activities –2020-21, 2021-22, 2022-23 and Target for 2023-24
Annexure Indicative Unit Costs (for Major Activities of the District) as arrived at by 77
IV NABARD for its Internal use for 2023-24
Annexure Scale of Finance for Major Crops Fixed by District Level Technical Committee 79
V (DLTC) for 2023-24
List of Abbreviations 82
 PLP FY 2024-25
Anakapalli District

EXECUTIVE SUMMARY

1. District Characteristics:

Anakapalli district is one of the North Eastern Coastal districts of Andhra Pradesh . It was
formed in April 2022 vide Andhra Pradesh G.O.No.Ms.No.196, Revenue (Lands – IV) dated
02 April 2022 by carving out erstwhile Visakhapatnam district. There are 24 mandals in the
newly reorganised district of Anakapalli. The credit potential for the district has been assessed
by organizing the 24 mandals in to 08 Joint Mandals viz., Anakapalli, Chodavaram, K
Kotapadu, Kotarautla, Nakkapalli, Narsipatnam, Sabbavaram and Yelamanchili.

2. Coverage of Banking Network and its financial performance

The district has 24 commercial banks (including private banks), One RRB (APGVB), One
DCCB (Visakhapatnam DCCB), 01 Small Finance Bank(Fincare SFB) with a good network of
212 branches besides 74 PACS affiliated to Visakhapatnam DCCB. There are 142 rural
branches, 41 Semi-urban branches and 29 urban bank branches in the district. Union Bank of
India is the lead bank of the district.

The Annual Credit Plans of undivided Visakhapatnam district for the year 2019-20, 2020-21
and 2021-22 have set a target of ₹12263.73 crore, ₹13830.00 crore and ₹15276.18 crores under
Priority Sector respectively. The achievements under ACP during the period stood at
₹12205.08 crore, ₹ 13613.87 crore and ₹16960.91 crore, respectively. The overall percentage
of achievement under priority sector loans were 100%, 98% and 111% during 2019-20, 2020-
21 and 2021-22 respectively.

The DCP target for the year 2022-23 is ₹9009 crore, of which, target for Priority Sector was
₹6551 crore. Against the ACP target for the FY 2022-23, an amount of ₹6671 crore was
disbursed under the priority sector i.e. 101.83% achievement in the district. The ACP target
for Anakapalli district for the year 2023-24 is pegged at ₹8,970 crore. The CD ratio of banks
and other agencies in the district stood at 156% as on 31 March 2023 which was above the
prescribed norm of 60% by RBI.

3. Sectoral trends in credit flow:

The achievement under Agriculture and MSME during the FY 2022-23 stood at ₹5763.69
crore and ₹728.44 crore against the targets of ₹4711.35 crore and ₹1325.00 crore respectively.
The percentage of achievement under agriculture and MSME loans were 122.34% and 54.98%
respectively. Out of the total disbursement under priority sector, Agriculture formed 86.40%
and MSME formed 10.92%. Although there has been a good performance under agriculture
credit, more credit flow to be directed towards MSME sector and agriculture term lending.
There is a tremendous potential for promotion of JLGs and subsequent credit linkage for asset
creation both in farm and nonfarm sectors in the district.

4. Sector /Sub sector-wise PLP projections for 2024-25:

The total credit potential of Anakapalli district for the FY 2024-25, under Priority Sector for
the district is estimated at ₹12,376.20 crore.

Sector wise projections: The credit potential for Agriculture has been estimated at
₹6062.29 crore forming 49% of the total projections, while the share of MSME stood at
₹4390.43 crores forming 35% of the total projections. Anakapalli district has good potential
for MSME loaning as many industries, MSME units and a SEZ is present here. There is lot of
potential for Fisheries due to presence of coastline of 60 kms and reservoirs.

i
 PLP FY 2024-25
Anakapalli District

Sub-sector wise projections: Under crop production, a credit potential of ₹3748.55

crore has been assessed for the year 2024-25. With a view to bring more cultivable area under
irrigation and improve productivity of farming activities through mechanization, credit
potential of ₹257.69 crores and ₹479.56 crores has been estimated for Water Resources and
Farm Mechanization, respectively. Credit potential of ₹144.94 crores has been estimated
under Plantation and Horticulture including sericulture for the year 2024-25. Under Animal
Husbandry, an amount of ₹954.25 crores, ₹87.70 crores and ₹56.91 crores have been assessed
for Dairy, Poultry and Sheep & Goat rearing respectively. Keeping in view the thrust of AP
Govt for development of fisheries, credit potential of ₹54.34 crores has been estimated under
fisheries. Under Agriculture infrastructure, ₹19.26 crores, ₹ 54.07 crores and ₹29.49 crores
has been assessed for construction of storage facilities, land development & others activities
respectively. A credit potential of ₹4390.44 crores has been estimated under MSME. For
Informal Credit Delivery System, a credit potential of ₹485.00 crores has been estimated for
lending to SHGs/JLGS, etc. for various activities for the year 2024-25.

5. Developmental Initiatives:

a. All the schemes of Andhra Pradesh Government like Dr.YSR Rythu Bharosa-PM Kisan,
Dr.YSR Free Crop Insurance, YSR Sunnavaddi Panta Runalu, Jagananna Jeeva kranti, YSR
Pasu Nastaparihara Padhakam, YSR Matysakara Bharosa Scheme for fishermen, YSR
Navodayam OTS scheme for MSME units, YSR Asara and YSR Sunnavaddi schemes for
Women empowerment, Manabadi Nadu-Nedu, Jagananna Vidya Kanuka, Ammavodi &
Jagananna Gorumudda (Mid-day meal) etc. for students, Jagananna Colonies for housing,
YSR Arogyasri , Nadu-Nedu Health Scheme for taking care of Health etc various development
schemes are implemented in Anakapalli district.

b. NABARD has launched a concessional refinance scheme for transformation of PACS into
Multi Service Centres (MSC) in a phased manner spanning over three years with an objective
of PACS acting as enabling institutions for meeting the national goal of doubling of farmers’
income.

c. NABARD has taken initiatives towards strengthening of FPOs through special campaigns
including capacity building to staff of POPI and FPO and farmers at village level including
credit linkage for both members and FPOs. Extension of financial support to FPOs through
NABARD’s subsidiary viz., NABKISAN. NABARD has promoted 16 FPOs in the district under
various funds (PRODUCE, PODF and CSS for 10,000 FPOs) supporting around 6000 farmers.
Good number of FPOs in the district could establish collection centres, cold storages and other
storage/primary processing infrastructure through convergence of RKVY /MIDH with
support from Horticulture department, GoAP.

d. GoI has identified Sugarcane for erstwhile Visakhapatnam district under ONE DISTRICT
ONE PRODUCT approach for development of specialisation, promoting processing, branding,
marketing and export of the product for better value realization.

e. Promotion of JLGs for taking up livelihood activities and landless farmers through credit
linkage by banks and NGOs as facilitating agencies.

f. NABARD has been training the SHG women and unemployed youth through MEDP, LEDP
and Skill Development programmes to enable them to establish enterprises/get employment.

g. NABARD is supporting banks for conducting Financial Literacy Camps and supported 5
ATM Mobile Vans for providing availability of cash in all the areas in the undivided
Visakhapatnam district.

ii
 PLP FY 2024-25
Anakapalli District

6. Thrust areas for 2024-25:

a. The strategy for doubling the income of farmers would include raising agricultural
productivity substantially, diversifying agriculture and allied activities and production
towards high value agriculture and shifting a major portion of farm employment to non-farm
activities. Further, timely and adequate credit by Banks to tenant farmers is very much
required to uplift their economic status.

i. Agriculture Infrastructure: Post harvest management is critical for ensuring better

incomes to farmers. Banks are yet to fully saturate the potential available for financing

ii. Financing FPOs: Ensuring credit flow to FPOs for forward as well as backward
linkages, which would enable them to graduate into sustainable business entities.
iii. Integrated Farming System (IFS): Practising IFS would ensure income throughout the
year and would act as a climate risk mitigation measure for the farmers, especially for
small and marginal farmers.

iv. Kisan Drones: Use of drones in agriculture is proving to be a game changer, as this
would reduce drudgery, operational costs, manpower, increase efficacy, productivity
and would have positive impact on the health of farmers/agricultural labourers.

b. Increasing the credit flow to MSME sector is vital for development of the district. Further,
Anakapalli provides good scope for development of MSME. Incentives for setting up of MSME
units may help in exploiting the potentials and growth of the sector. Food and agro processing
are a promising sector which can be tapped by the Banks in coordination with Depts.

c. Micro Food Processing: Food Processing would help in standardisation of product, better
price realisation for farmer and establishment of value chain. Keeping this in view, GoI has
launched PM FME scheme for encouraging entrepreneurs, especially SHGs, to establish food
processing units. A concessional refinance scheme has been launched by NABARD for
financing micro food processing units.

d. NABARD has been extending concessional refinance to RRBs and Cooperative Banks under
Long Term Rural Credit Fund, Special Refinance Scheme to APStCB for transformation of
PACS as MSC and Micro Food Processing and WASH activities for increasing the long-term
investment credit.

e. Effective monitoring and review by district administration and LDM office in JMLBC and
DCC meetings and implementation of Financial Inclusion plans including better coverage of
Oral Lessees, Tenant Farmers through JLGs/SHGs and Farmer Producer Organisations,
pledge finance against Negotiable Warehouse Receipts will facilitate in achieving the goal of
doubling of farmers’ income.

7. Major constraints and suggested action points:

a. Land records of farmers have been digitized. However, data inconsistency has been
observed and farmers are facing troubles while obtaining loans from Banks. The process of
digitisation of all land records must be streamlined and must be adopted by all Banks
uniformly.

b. Seed village programme must be scaled up and Agriculture Department may take initiative
to establish seed processing units in the district for making timely availability of good quality
seeds to the farmers as it would help in increase of Seed Replacement Rate (SRR) to the desired
level.

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 PLP FY 2024-25
Anakapalli District

c. CCR cards are to be issued to all tenant farmers for obtaining loans from Banks. Steps must
be taken to issue CCR Cards to maximum tenant farmers before the start of the crop season so
that the gap between available tenant farmers and cards issued can be reduced.

d. Investment in agriculture and allied sectors is not very encouraging and line Dept. must
sensitise farmer groups and promote long term investment activities. There is good scope to
bring more area under drip and sprinkler irrigation especially in crops like vegetables/fruits

Absence of post-harvest handling facilities of Agriculture and Horticulture crops is bringing

losses to farmers and hindering the growth of the sectors and they must be established.

e. Awareness about food and agro-processing activities and its benefits is very low among the
farmers. Line Departments and Banks must encourage small entrepreneurs, Self Help Groups
and FPOs to start up food processing ventures.

f. Financing to and recovery from SHGs is encouraging. However, majority of SHGs are not
involved in undertaking any income generating activities. Dept. must sensitise the SHG
members and assist them in setting up of activity-based units

g. There is a good scope for further developing MSME units i.e., pharma units and agro-food
processing industries in the district. DIC may organise more workshops/seminars/melas on
MSME schemes of GoI/GoAP and convergence meets with banks and beneficiaries regularly
at mandal / panchayat level for garnering support from local entrepreneurs/educated
unemployed person/prospective youth from tribal communities for promotion of MSME
units.

8. Way forward:

a. Provision of adequate and timely credit, mechanization of farming operations, availability

of quality seeds, manure, coverage of non-loanee farmers and financing tenant farmers
through JLG/LEC/COC mode, financing as per revised KCC norms, utilisation of extension
officers exclusively for promotion of agriculture and allied activities, setting up of custom
hiring centres and adoption of new technologies will enhance the credit flow under Crop
Production.

b. Expanding cultivable area under assured irrigation, improving on farm water use efficiency
to reduce wastage of water, energization of pump set with solar power, financing new farm
ponds/rain water harvesting structures and promotion of micro irrigation would maximize
water availability and creation of awareness on conjunctive use of water etc., are important
steps for tapping the available potentials under Water Resources Sector.

c. In order to encourage mechanization in agriculture, more focus is to be on usage of tractor

driven farm implements, transplanters, power tillers, threshers, rotovators, etc. Extending
credit and subsidy for setting up of custom hiring centres for paddy, maise, sugarcane etc. may
be considered as they have good potential.

d. Horticulture is one of the thrust areas in the overall development of the district and
sustainable development of Horticulture is aimed at by increasing area, productivity, by
encouraging post-harvest management. Ample scope exists for expanding the area under
mango, cashew, oil palm and vegetable cultivation. Intensive vegetable production, necessary
management under protected cultivation (poly houses / shade nets) is also being promoted in
specific locations in the district.

iv
 PLP FY 2024-25
Anakapalli District

e. Dairy is one of the activities which is having very good scope for expansion, create an
alternate livelihood activity and help the farmers in doubling their income. Creation of
awareness among the rural populace on the importance of dairying as a livelihood activity will
have large positive impact on the Sector. The other intervention which will have impact on
the Sector is promotion of calf-rearing, poultry, goat and induction of quality animals from the
neighbouring States.

f. Construction of storage facilities such as godowns, cold storages, market yards, dairy
infrastructure, etc., are necessary for development of agriculture and allied activities in the
district.

g. Initiatives of the Government of India/GoAP under various programs viz. Start-up India,
Skill India, Make in India, Stand up India, etc. and identification of mining, manufacturing,
MSME under the Industries Sector and education, trade, transport, hotels, health care, etc.,
under Service Sector for achieving double-digit growth under the Primary Sector Mission
would give a boost to the industrialization of the district.

h. In order to strengthen SHG/JLG movement in the district, the future roadmap for
strengthening the SHG/JLG movement may include identification of potential activities for
setting up of Micro Enterprises and motivating members for taking up the activity, training
and capacity building of identified SHG/JLG members who are availing higher doses of
finance under the programme, identification of dormant groups and initiate steps for their
revival, training and capacity building of stakeholders including staff of banks, strengthening
recovery mechanism at branch/mandal level, etc.

With development being a multi-stakeholder driven process, requiring close coordination

between the State Government, banks and financial institutions, it is imperative for all
stakeholders to align themselves for overall development of the district. Active participation
of banks and other stakeholders in various fora created under Lead Bank Scheme, would not
only help in monitoring progress and taking corrective action, but also helps in appropriate
policy formulation by apex institutions.

v
 PLP FY 2024-25
Anakapalli District

Appendix A to Annexure I

BROAD SECTOR-WISE PLP PROJECTIONS - 2024-25

(₹ lakh)
Sl.No Particulars PLP Projections - 2024-25

A Farm Credit
i. Crop Production, Maintenance and Marketing 374854.63
ii. Term Loan for agriculture and allied activities 207440.13
Sub-total 582294.77
B Agriculture Infrastructure 10282.25
C Ancillary activities & Others 13652.52
I Credit Potential for Agriculture (A+B+C) 606229.54
II Micro, Small and Medium Enterprises 439043.75
III Export Credit 91200
IV Education 7200
V Housing 43320
VI Renewable Energy 627.4
Social Infrastructure involving bank
VII 1500
credit
VIII Others 48500
Total Priority Sector (I to VIII) 1237620.69

vi
 PLP FY 2024-25
Anakapalli District

Appendix B to Annexure I
Summary of Sector/Sub-sector wise PLP projections - 2024-25
District: Anakapalli
PLP projections
Sl.No. Particulars (in Rupees)
2024-25 (₹ lakh)
I Credit Potential for Agriculture
A Farm Credit
i Crop Production, Maintenance and Marketing 374854.63
ii. Water Resources 25768.54
iii Farm Mechanisation 47956.4
iv Plantation and Horticulture including Sericulture 14493.5
v Forestry & Wasteland Development 446.51
vi Animal Husbandry – Dairy 95424.77
vii Animal Husbandry – Poultry 8770.21
viii Animal Husbandry - Sheep, Goat & Piggery, etc. 5690.73
ix Fisheries 5433.84

x Farm Credit-Others (Bullock, Bullock Carts, Two-Wheelers, etc.) 797.4

xi. Integrated Farming System 2658.24

Sub-Total 582294.77
B Agricultural Infrastructure
Construction of storage facilities (Warehouses/Godowns, Market Yards,
i 1926.1
Silos, Cold Storage Units/Cold Chains)
ii. Land development, Soil Conservation and Watershed Development 5406.95
Agricultural Infrastructure - Others (e-NAM, Tissue Culture, Agri Bio-
iii technology, Seed Production, Bio-Pesticides/Fertilisers, Vermi- 2949.2
Composting)
Sub-Total 10282.25
C Ancillary Activities
i Food and Agro Processing 11007.52
Agriculture Ancillary Activities - Others (Agri-Clinic/Agri-Business
Centres (ACABC), Loans to PACS/FSS/LAMPS, Loans to MFIs for On-
ii 2645
lending, Loans to Distressed Persons to Prepay Non-institutional Lenders,
PMJDY, Loans to State Sponsored Organizations for SC/ST)
Sub-Total 13652.52
Total Agriculture (A+B+C) 606229.54
II Micro, Small and Medium Enterprises (MSME)
i MSME - Investment Credit 255843.75
ii MSME - Working Capital 183200
Total MSME 439043.75
III Export Credit 91200
IV Education 7200
V Housing 43320
VI Social Infrastructure Involving Bank Credit 1500
VII Renewable Energy 627.4
VIII Informal Credit Delivery System 48500
Total Priority Sector (I to VIII) 1237620.69

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 PLP FY 2024-25
Anakapalli District

viii
 District Profile
District ANAKAPALLI State ANDHRA PRADESH
1. PHYSICAL & ADMINISTRATIVE FEATURES 2. SOIL & CLIMATE
Total Geographical Area (sq.km) 4291
2nd and 7th category
No. of Sub Divisions 2 Agro-climatic Zone
No. of Blocks 24 Climate Humid near coast , Warm in the interior, Cooler in Hilly areas
No. of revenue villages 730
Soil Type Red loamy, Sandy loamy and Black cotton soil
No. of Gram Panchayats 646
3. LAND UTILISATION [ha] 4. RAINFALL & GROUND WATER SCENARIO
Total Area Reported 429071 Normal Actual 2020-21 2021-22 2022-23
Rainfall [in mm]
Forest Land 78445 1202.2 1207.80 1117.00 945.3
Ground Stage of
61753 Water G.W. Dpt. No of Blocks
Area not available for cultivation
Scenario (%)
Safe Critical Semi Over Total
Permanent Pasture and Grazing Land 1473 Critical Exploited
20626 23 0 1 0 24
Land under Miscellaneous Tree Crops
Cultivable Wasteland 6793 5. DISTRIBUTION OF LAND HOLDING
Current Fallow 37109 Holding Area
Classification of Holding
Other Fallow 12900 Nos. % to Total ha. % to Total
Net Sown Area 153139 <= 1 ha 339705 87 108457 53
Total or Gross Cropped Area 187565 >1 to <=2 ha 36113 9 49407 24
34426 >2 ha 13615 3 48469 23
Area Cultivated More than Once

122 Total 389433 100 206333 100

Cropping Intensity [GCA/NSA]
6. WORKERS PROFILE [in '000] 7. DEMOGRAPHIC PROFILE [in '000]
Cultivators 389 Category Total Male Female Rural Urban
Of the above, Small/ Marginal Farmers 376 Population 1727 855 872 1477 250
Agricultural Labourers 386 158 77 81 NA NA
Workers engaged in Household Industries 25 Scheduled Tribe 48 24 24 NA NA
Workers engaged in Allied agro activities 271 Literate 935 515 411 NA NA
Other workers 934 BPL NA NA NA NA NA

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

Total Households 453 Having brick/stone/concrete houses NA Having electricity supply NA

Rural Households 387 Having source of drinking water Having independent
NA NA
toilets
BPL Households 66 11.INFRASTRUCTURE RELATING TO HEALTH & SANITATION [Nos]
10.
VILLAGE-LEVEL INFRASTRUCTURE [Nos] Anganwadis 1908 Dispensaries 0

Villages Electrified 691 Primary Health Centres 46 Hospitals 79

Villages having Post Offices 691 Primary Health Sub-Centres NA Hospital Beds 803

NA 12. INFRASTRUCTURE & SUPPORT SERVICES FOR AGRICULTURE[Nos]

Villages having Banking Facilities
NA Seed Farms NA Agro Service Centres NA
Villages having Primary Schools
NA Fertilizer Outlets NA Soil Testing Centres 3
Villages having Primary Health Centres
NA Pesticide Outlets NA Approved nurseries NA
NA Registered FPOs NA Krishi Vigyan Kendras 2
Villages connected with Paved Approach Roads
13. IRRIGATION COVERAGE [Ha] 14. INFRASTRUCTURE FOR STORAGE, TRANSPORT & MARKETING

Area Available for Irrigation (NIA + Fallow) 153139 314 13

Mandis/ Markets [Nos] Godown [Nos]
Irrigation Potential Created 99753 3452 9522
Length of Pucca Road [km] Godown Capacity [MT]
Net Irrigated Area (Total area irrigated at least once) 81397 85 NA
Length of Railway Line [km] Cold Storage [Nos]
Area irrigated by Canals / Channels 37942 NA Cold Store Capacity [MT] NA
Goods Transport Vehicles [Nos]
Area irrigated by Wells 26407 16. AREA, PRODUCTION & YIELD OF MAJOR CROPS
Area irrigated by Tanks Crop Area Prod. Productivity Avg. Yield
16911 ('000'ha) ('000'MT) kg/ha [MT/ha]
Area irrigated by Other Sources 137 Paddy 53683 194010 3614 3.61
Irrigation Potential Utilized (Gross Irrigated Area) 99753 Ragi 82 92 1122 1.12
15. PROCESSING UNITS Minor Millets 1006 1048 1042 1.04
Type of Processing Activity No of units Maize 204 780 3824 3.82
Food Processing Pulses 10945 4654 425 4.25
Agro Processing Sugarcane 43203 2714923 62841 628.41
17.
Production of Cotton (lint) is in Bales(177.8 kg per bale in India)
ANIMAL POPULATION AS PER CENSUS [Nos]

Category of animal Total Male Female 18. INFRASTRUCTURE FOR DEVELOPMENT OF ALLIED ACTIVITIES [Nos]

Cattle-Cross bred 187 NA NA 20 88

Veterinary Hospitals/ Dispensaries Dairy Cooperative
Cattle - Indigenous NA NA NA Disease Diagnostic Centres NA 818
Milk Collection Centres
Buffaloes 250 NA NA Artificial Insemination Centers [Nos] NA Fishermen Societies 46
Sheep-Cross bred NA NA NA Animal Breeding Farms NA Fish seed farms NA
Sheep - Indigenous 161 NA NA Animal feed manufacturing units [Nos] NA Poultry hatcheries [Nos] NA
Fodder Farms [Nos] Licensed Slaughter
Goat 180 NA NA NA NA
houses [Nos]
Pig - Cross bred NA NA NA 19. MILK, FISH, EGG PRODUCTION & PER CAPITA AVAILABILITY
Pig - Indigenous 4 NA NA Fish Production [MT] Per cap avail. [gm/day] 83.96
52923
NA NA NA Egg Production [lakh Nos] 5999 Per cap avail. [nos/p.a.] 0.95
Horse/Donkey/Camel
3366 NA NA Milk Production [lakh LPD] 20.64 Per cap avail. [Litre/day] 1.19
Poultry - Improved
NA NA NA Meat Production [MT] 21069 Per cap avail. [gm/day] 33.42
Poultry - Indigenous
Sources (if not mentioned against Item Nos. 1, 6, 7, 8, 9 & 10 - Census 2011; Item Nos. 2, 3, 5, 12, 13 & 14 - Dept. of Agr/Dir. of Eco. & Stat.; Item No. 4 - Dept. of Agr./Water Resources & CGWB Report 2022;
the respective item): Item No. 8 - NREGA Report; Item No. 15 - District Ind Centre/Dir. of Eco. & Stat.; Item No. 16 - DACNET & Dept. of Agr/Dir. of Eco. & Stat; Item No. 17 - AH Census 2019;
Item Nos. 18 & 19 - Dept. of Animal Hus./Dir. of Eco. & Stat.

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District Profile

Profile of the District:

Anakapalli district is one of the North Eastern Coastal districts of Andhra Pradesh with a total
geographical area of 4.29 lakh ha, consists of 02 revenue divisions viz. Anakapalli and
Narsipatnam, 24 mandals (08 joint mandals), 646 gram panchayats, there is no Municipal
Corporation, 02 Municipalities and 730 villages. The district lies between 17-21’ and 17-59’
Northern latitude and 82-49’ and 83-20’ in Eastern longitude. It is bounded on the North by
the Alluri Seetarama Raju and Vizianagaram districts on the south by Kakinada district. On
the west by East Godavari district and on the east by partly Visakhapatnam district and partly
by Bay of Bengal.

Predominant Economic Activities:

Anakapalli district is largely an agrarian economy, with more than 70% of the population
engaged in agriculture and allied activities for their livelihood. Though the district is
industrially developing, rural areas of the district can be still considered as backward. Paddy
is the principal food crop of the district followed by Ragi, Bajra, Jowar and Cash Crops such as
Sugarcane, Groundnut, Sesamum and Chillies. About 35% of the gross cropped area is under
horticulture, cashew, mango and coconut being major horticulture crops followed by oil palm,
vegetables.

Animal Husbandry is another important livelihood activity in the district with 31.09 lakh
animals in the district. The district has about 60 kms of coastline and covering 6 coastal
mandals. About 20,000 fishermen families takeout their livelihood from marine, Inland and
brackish water fishing besides catching fish living around Thandava, Konam, Pedderu and
Raiwada reservoirs.

Anakapalli district has nearly 105 major industries and 3595 MSMEs working in the district.
Major industrial products include Chemicals, Sugar, Pharmaceuticals, bulk drugs & API,
Apparels, Cement etc. MSME products include Light weight Bricks, Plastic Containers, Fly ash
bricks, Solar panels, Printing Press, Tourism, Readymade Garments, Batteries, structural
Fabrication, Automobile Service/ Repair, Air conditioner Service/ Repair, Cold Storage, PVC
products, cold storage, Fal-G bricks, GI-roof sheets etc. Chodavaram Sugar factory, various
jaggery units, Coir industries are also present here.

Factor/Infrastructure contributing or inhibiting the growth in Ground

Level Credit (GLC):

Rainfall and Irrigation : The average annual rainfall of the district is 1175.40 mm. The actual
rainfall during the year 2022-23 was 945.30 mm which is deficient by 4.30% of normal rainfall
of 987.90 mm. The district is majorly covered under Thandava Reservoir project and medium
Irrigation projects such as Raiwada, Konnam and Padderu reservoir projects, besides other
sources of irrigation such as Canals, Tube wells, Tanks, and Dugwells. The gross irrigated area
in 2019-20 was 0.99 lakh ha.

In the undivided Visakhapatnam district, 125 large and mega enterprises are existing in the
district with an investment of ₹73,717 crores providing employment for about 95866 people.
The industrial sector of the district includes industries like Steel, mining, explosives, power
and cement. Around 10335 MSMEs in working in the district of which 7784 are in micro, 2517
small and 34 medium categories, with an investment of ₹1,33,573 crores and providing
employment to about 141429 persons. MSME sector takes 1st position in Ground Level Credit,
Housing, export credit, SHG financing, education and agriculture, and allied loans are the

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 PLP FY 2024-25
Anakapalli District

major sectors of GLC. Rainfed farming is the characteristic feature of agriculture in the district.
of its area is cultivated purely under rainfed conditions, and it is one of the limiting factors
inhibiting the growth of agriculture and allied sectors. In Anakapalli district, many Industrial
units of Pharma, chemical, coir, jaggery, export units are available.

Cooperatives in the District

Anakapalli district has a rich cooperative profile with 928 cooperatives in the district covering
PACS, Animal Husbandry, Fisheries, Toddy tapers and Credit Cooperative sectors. There are
good number of Dairy Co-operative Societies, Sheep grower Cooperative societies, and
Fishermen Cooperative Societies are functioning in the district.

Critical Interventions required in the District under Major Sectors for

Harnessing the Potential Estimated under PLP 2024-25

Meeting the water requirements of the industry and agriculture, drinking water requirements
of the public, ensuring timely and quality supply of power, setting up of a seed processing
plant, thrust on food processing, setting up of cold storages in strategically important
locations, improvement in tourism infrastructure, etc. would give further fillip to the economic
development of the district. The district given its status of being in the forefront in real estate
business, tourism, manufacturing and service sectors, has the potential to double its GVA in
the coming 4-5 years.

xi
 Banking Profile
District ANAKAPALLI State ANDHRA PRADESH Lead Bank UNION BANK OF INDIA
1. नेNETWORK & OUTREACH (As on 31/03/2023 )
No. of No. of Branches No. of non-formal agencies assoiated Per Branch Outreach
Agency
Banks/Soc. Total Rural Semi-urban Urban mFIs/mFOs SHGs/JLGs BCs/BFs Villages Households
Commercial Banks 24 151 91 34 26 NA 27727 997 5 3000
Regional Rural Bank 1 49 39 7 3 NA 419 402 15 9245
District Central Coop. Bank 1 12 12 0 0 NA 471 0 61 37750
Coop. Agr. & Rural Dev. Bank 0 0 0 0 0 NA - - - -
Primary Agr. Coop. Society 74 0 0 0 0 NA - - - -
Others - - - - - NA 6338 3366 - -
All Agencies 88 212 142 41 29 NA 34955 4765 3 2137
2.DEPOSITS OUTSTANDING
No. of accounts Amount of Deposit [Rs.lakh]
Agency
31-03-2021 31-03-2022 31-03-2023 वृि Growth(%) शेयर Share(%) 31-03-2021 31-03-2022 31-03-2023 वृि Growth(%) शेयर Share(%)
Commercial Banks - - - - - 624639.00 - 81.78%
Regional Rural Bank - - - - - 103564.00 - 13.56%
Cooperative Banks - - - - - 34678.00 - 4.54%
Others - - - - - 940.00 - 0.12%
All Agencies - - - - - 763821.00 - 100.00%
3. LOANS & ADVANCES OUTSTANDING
No. of accounts Amount of Loans [Rs.lakh]
Agency
31-03-2021 31-03-2022 31-03-2023 वृि Growth(%) शेयर Share(%) 31-03-2021 31-03-2022 31-03-2023 वृि Growth(%) शेयर Share(%)
Commercial Banks - - - - - 978744.00 - 83.29%
Regional Rural Bank - - - - - 115534.00 - 9.83%
Cooperative Banks - - - - - 78312.00 - 6.66%
Others - - - - - 2580.00 - 0.22%
All Agencies - - - - - 1175170.00 - 100.00%

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

CD Ratio Cumulative up to 31 March 2023

Agency Agency
31-03-2021 31-03-2022 31-03-2023 PMJDY PMSBY PMJJBY APY
Commercial Banks - - 156.69% Commercial Banks 363044 1224432 551626 55316
Regional Rural Bank - - 111.56% Regional Rural Bank 185709 157694 77683 22678
Cooperative Banks - - 225.83% Cooperative Banks 100369 0 0 0
Others - - 274.47% Others - - - -
All Agencies - - 153.85% All Agencies 649122 1382126 629309 77994
6.PERFORMANCE TO FULFILL NATIONAL GOALS (As on 31/03/2023)

Priority Sector Loans Loans to Agr. Sector Loans to Weaker Sections Loans under DRI Scheme Loans to Women
Agency
Amount Amount Amount Amount Amount of Total
[Rs.lakh] % of Total [Rs.lakh] % of Total [Rs.lakh] % of Total Loans [Rs.lakh] % of Total Loans [Rs.lakh] Loans
Commercial Banks 972915.21 37.03% 476645.63 18.14% 400225.43 15.23% NA NA 167727.54 6.38%
Regional Rural Bank 91799.29 80.12% 51215.87 44.70% 37601.07 32.82% NA NA 24498.94 21.38%
Cooperative Banks 53097.17 82.72% 48172.91 75.05% 1622.13 2.53% NA NA 4742.53 7.39%
Others 1660.87 73.47% 327.92 14.51% 159.25 7.04% NA NA 466.62 20.64%
All Agencies 1119472.54 39.86% 576362.33 20.52% 439607.88 15.65% NA NA 197435.63 7.03%
7. AGENCY-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS
2020-21 2021-22 2022-23 Average
Agency Target Ach'ment Ach'ment Target Ach'ment Ach'ment [%] Target Ach'ment Ach'ment [%] Ach[%] in
[Rs.lakh] [Rs. lakh] [%] [Rs.lakh] [Rs. lakh] [Rs.lakh] [Rs. lakh] last 3 years
Commercial Banks - - - - - - 671843.58 972915.21 144.81% 144.81%
Regional Rural Bank - - - - - - 72273.74 91799.29 127.02% 127.02%
Cooperative Banks - - - - - - 50835.63 53097.17 104.45% 104.45%
Others - - - - - - 1230.62 1660.87 134.96% 134.96%
All Agencies - - - - - - 796183.56 1119472.54 140.60% 140.60%
8. वािषक ऋण योजनाओं के तहत े -वार दशन SECTOR-WISE PERFORMANCE UNDER ANNUAL CREDIT PLANS
2020-21 2021-22 2022-23 Average
Broad Sector Target Ach'ment Ach'ment Target Ach'ment Ach'ment [%] Target Ach'ment Ach'ment [%] Ach[%] in
[Rs.lakh] [Rs. lakh] [%] [Rs.lakh] [Rs. lakh] [Rs.lakh] [Rs. lakh] last 3 years
Crop Loan - - - - - - 343615.87 355380.56 103.42% 103.42%
Term Loan (Agr) - - - - - - 127519.58 220981.77 173.29% 173.29%
Total Agri. Credit - - - - - - 471135.45 576362.33 122.33% 122.33%
MSME - - - - - - 273543.00 72838.03 26.63% 26.63%
Other Priority Sectors* - - - - - - 51505.11 470272.18 913.06% 913.06%
- - - - - -
796183.56 1119472.54 140.60% 140.60%
Total Priority Sector
9. NPA Position ( Outstanding)
2020-21 2021-22 2022-23 Average NPA
Agency Total O/S NPA Amount NPA Total O/S [%] in last 3
Total O/S NPA % NPA NPA Amount % NPA years
Commercial Banks - - - - - - 1503891 21331 1.42% 1.42%
Regional Rural Bank - - - - - - 191719 2207 1.15% 1.15%
Cooperative Banks - - - - - - 83714 1976 2.36% 2.36%
Others - - - - - - 2726 6 0.24% 0.24%
All Agencies - - - - - - 1782050 25520 1.43% 1.43%
* OPS includes Export Credit, Education, Housing, Social Infrastructure, Renewable Energy
Sources : SLBCindia.com

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 PLP FY 2024-25
Anakapalli District

Banking Profile
Banking Network & Outreach

The banking network of the district consists of 24 Commercial Banks, one RRB
(APGVB) and one DCCB (Vishakhapatnam DCCB) with 151, 49 & 12 branches
respectively. The total branches are 212, of which 142 are rural, 41 semi-urban, 29 are
urban branches. There are 74 Primary Agricultural Credit Societies (PACS) affiliated
to the DCCB. The DCCB is in CBS platform. Union Bank of India is the Lead Bank of
the district.

Financial Literacy

A Financial Literacy and Credit Counselling Centre (FLC) was established in Visakhapatnam
and has been functioning well in the district. One FLC by APGVB is functioning in the district.
NABARD has extended support for conduct of Financial Literacy camps and Street Plays
through various banks in the district and for procuring mobile demonstration vans by APGB
and Visakhapatnam DCCB Ltd. during 2022-23. There are 05 Center for Financial Literacy
(CFLs) in the district to create awareness about financial discipline, pre-cautions about cyber
frauds and encouraging digital transactions besides providing information regarding Social
Security schemes like PMSBY, PMJJBY, APY etc.

State Bank Rural Self-employment Training Institute (SBRSETI),

Anakapalli

SBRSETI was established in March 2010 with an objective of train and assist the rural
unemployed BPL Youth (18 to 45 years of age) of Visakhapatnam, Anakapalli & Alluri
Sitaramaraju Districts to take-up self-employment. As on 31 March 2023, the training institute
had conducted 311 programmes in various activities benefitting 8290 rural youth. The
cumulative settlement has been around 86%. The Institute was given outstanding ratings for
all the years since inception.

Business & CD Ratio

As on 31 March 2023, the total deposits of Commercial Banks, RRB (APGVB) and DCCB stood
at ₹6,246.39 crores, ₹1,035.64 crores and ₹346.78 crore respectively In Anakapalli district.
Total loans & advances of Commercial Banks, RRB (APGVB) and DCCB stood at ₹9,787.44
crores, ₹1,155.34 crores and ₹783.12 crore respectively. The CD ratio of all the banks put
together stood at 153.85% as on 31 March 2023.

Performance under ACP

During the financial year 2022-23, as against the target of ₹7,961. crore under the priority
sector of Annual Credit Plan 2022-23, the achievement was ₹11,194.72 crore i.e., 140.60% of
the annual target. Achievement under agricultural sector was 122% and the agency-wise
achievement was 145%, 127% and 104% of the targets allocated to CBs, RRB and DCCB
respectively.

Financial inclusion

Under Financial Inclusion Programme in the district, villages having more than 2000
population were allotted to various banks. All banks have established BCs/USBs at the
respective allotted villages and are functioning. As on 31 March 2023, the number of ATMs
was 283, POS machines, BCs and other banking outlet points were 4765 and 93,592 KCC cards

xiii
 PLP FY 2024-25
Anakapalli District

were issued in the district. Coverage under PMJDY and Social security schemes such as
PMSBY, PMJJBY and APY is indicated in the banking profile table of this document.

CBS in Cooperatives

All the branches of the DCCB have come under Core Banking Solutions (CBS) platform and
are taking up all electronic transactions. However, the CBS is yet to become fully functional as
some of the modules are under development/testing phase.

Status of PACS

There are 74 PACS in the district and strengthening of PACS through computerisation of all
PACS and developing them as Multi Service Centres is an important developmental agenda of
NABARD.

Agenda for banks

The banking sector is expected to play a proactive role in increasing long term loans for capital
formation in agriculture and allied sectors, in addition to catering to the short-term and crop
loan needs of small and marginal farmers. Banking sector is also expected to support the
efforts of promoting JLG mode of financing, financing aggregation efforts of farmers in the
form of Farmers Producers Organisations and other activities under agriculture and social
infrastructure which are included in the priority sector.

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 PLP FY 2024-25
Anakapalli District

Methodology of Preparation of Potential Linked Credit Plans (PLPs)

Potential Linked Credit Plan is a comprehensive documentation of potentials in the district

for rural economic activities, both in physical and financial terms. It is also an assessment of
the gaps in infrastructure support which need to be filled in to fully exploit the realizable
potentials.

Objectives of PLP

The objectives of PLP are:

• To enable the various organizations involved in the process of rural development

in directing their efforts in a planned manner, in accordance with the potential
available for exploitation.
• To enable optimum utilization of scarce financial resources (specifically bank
credit) by channelling the same into sectors with growth potential.
• To assess the gaps in infrastructure support which need to be taken care for
exploiting the potentials and prioritize resource requirement for the purpose.

Methodology

NABARD, in 1988-89, took initiative of preparing PLPs for agriculture and rural development.
The broad strategy followed by NABARD for the formulation of PLPs envisages estimation of
long term potential (in terms of physical units) in each sector of agriculture and rural
development with reference to the natural and human resource endowments and a phased
annual programme for development, keeping in view the relative national and state priorities.
NABARD has been constantly endeavouring to introduce refinements in the methodology of
preparing PLPs and improvement of its contents so that the PLPs could be used as support
reference document for Annual Credit Plans of banks. NABARD has been reviewing
continuously the methodology in estimation of potential through consultative process over the
years. It adopts a detailed methodology for assessing the physical potential in major sectors of
investment activity conducive to development of agriculture and rural areas. The PLP writers
– who are District Development Managers of NABARD placed in most of the districts of the
country – are supported by a group of technical officers/experts in the Regional Offices and
Head Office of NABARD.

The methodology consists of assessment of sector-wise/sub-sector-wise estimation of

potential in consultation with technical officers of the concerned line departments at the
district level, identification of infrastructure facilities required to support the exploitation of
the potential, identification of infrastructure facilities available at present as well as planned
and working out the gap in infrastructure, examination of the trends in sector-wise credit flow,
various schemes of State/Central Govt., and estimation of block-wise physical and financial
credit potential.

The indicative unit costs suggested by the State level unit cost committee are made use of while
arriving at the total financial outlays.

The broad methodology of arriving at the potential for major sectors is given below.

Sl. Sector Methodology of estimation of credit potential

No

1 Crop Loans • Collection of data on Gross Cropped Area for a period of 10 years
and data on land holdings.

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 PLP FY 2024-25
Anakapalli District

• Distribution of Gross Cropped Area between Small

Farmer/Marginal Farmer and Other farmers based on the total
land occupied by small and marginal farmers on one hand and
other farmers on the other.
• Make assumption to cover 100% of Small/Marginal Farmers and
20% to 50% of Other Farmers;
• Study the cropping pattern
• Estimation of credit potential taking into account, Scale of
Finance and also the KCC guidelines in vogue
• Block-wise allocation of potential taking into account credit
absorption capacity in a particular block, cropping pattern, etc.

2 Water • MI potential is the area that can be brought under irrigation by

Resources ground and surface water;
• Collection of data on ultimate irrigation potential, area already
brought under irrigation and balance potential available under
groundwater and surface water for the district
• While fairly clear estimates are available for ground water and its
present and future utilization, surface water estimates for
individual districts are difficult to get;
• Estimation of potential to be attempted block-wise based on
categorization of blocks, type of rock formation, suitability of MI
structures, projects planned by State Govt. etc.
• Preference of farmers for different MI structures like dug wells,
bore wells, DCBW, etc. is to be taken into account.
• The potential for MI sector is defined in terms of numbers for DW,
BW and TW, and in terms of an area for lift irrigation, sprinkler and
drip systems.

3 Farm • The potential estimate for farm mechanization takes into account
Mechanization irrigated and unirrigated cropped area in the district, economic life
of tractor, optimum use of tractor, per acre use of tractor,
replacement of tractors per year, assessment of availability of
drought animal power/power tiller by using conversion factors;
• Calculation of requirement of number of tractors assuming one
tractor per 30 acres and 45 acres of irrigated and unirrigated cropped
area;
• Adjustment of tractor potential with land holdings
• Based on the cropping pattern, topography etc. similar assessment is
made for power tillers, combine Harvesters etc.

4 Plantation and • Estimation of additional area that could be brought under

Horticulture plantation crops based on trend analysis of the land
utilization pattern and cropping pattern of the district, area
of cultivable waste land likely to be treated and brought
under plantation crops;
• Feasibility and possibility of shifting from food crops to
plantation crops;
• Estimation of replanting by taking into account approximate
economic life of a few plantation crops
• Estimation of potential for rejuvenation of existing
plantation

5 Animal • Collection of data on number of milch animals as per the latest census
Husbandry – • Estimation of milch animals for the reference year by assuming 30%
Dairy calving, 50:50 sex ratio, 40% calf mortality and 50% culling for
buffaloes and 40% calving, 50:50 sex ratio, 20% calf mortality and
50% culling for CBCs and 30% calving, 50:50 sex ratio,20% calf
mortality and 50% culling for Indigenous cows;

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• 1/6th of the animals are assumed to be good quality animals and 60%
of the good quality animals in milk and 60% of animals in milk are
on 2nd and 3rd lactation. 50% of the number of animals so arrived are
assumed to be animals available for bank finance.

Utility: Concerted and continuous efforts have been on to make PLPs user friendly keeping
in view the stakeholders focus. The document has been useful to various stakeholders in a
variety of ways, as illustrated below:

1 Bankers • Provides inputs/information on Exploitable potential vis-à-vis credit

available
• Potential High Value Projects/Area Based scheme
• Infrastructure support available which can form basis for their
business/development plans.

2 Government • Developmental infrastructure required to support credit flow for

Agencies/ tapping the exploitable potential
Departments • Other support required to increase credit flow
• Identification of sectors for Government sponsored programme.

3 Individual/ • Private investment opportunities available in each sector.

Business entities • Commercial infrastructure
• Information on various schemes of Govt. & Banks.

Limitations and constraints

Though concerted efforts are being made to estimate the potentials realistically, the following
limitations and constraints are noticed in the exercise of PLP preparation:

• Non-Availability of accurate granular data on credit flow: Sector & sub-sector-wise

district-wise
• Non-availability of data required for estimation of potential in some sectors with the
line departments

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Chapter 1
Important Policies and Developments
1.1 Policy Initiatives - Government of India
1.1.1 Union Budget of India- 2023-24 - Major Highlights
Vision for Amrit Kaal – an empowered and inclusive economy
 Facilitating ample opportunities for citizens, especially the youth, to fulfil their aspirations
 Providing strong impetus to growth and job creation
 Strengthening macro-economic stability
Priorities of the Budget: Saptarishi
1. Inclusive Development
 Building an accessible, inclusive and informative solutions for farmers
 Setting up Agri Accelerator Fund for encouraging innovative start-ups in rural areas
 Launching of Atmanirbhar Horticulture Clean Plant Program to boost production of high
value horticultural crops
 Target of ₹20 lakh crore for agriculture credit with focus on animal husbandry, dairy and
fisheries
 Pradhan Mantri Matsya Kisan Samridhi Sah-Yojana (PM-MKSSY), as a Central Sector
Sub-scheme under PMMSY with targeted investment of ₹6,000 crore
 Making India Global Hub for Millets : ‘Sree Anna’
 Setting up of massive decentralised storage capacity for enhancing remuneration of
farmers
2. Reaching the Last Mile
 Saturation of essential government services across multiple domains in 500 aspirational
blocks
 Launching of Pradhan Mantra Development Mission to saturate Particularly Vulnerable
Tribal Groups (PVTG) families and habitations
3. Infrastructure and Investment
 Continuance of the 50-year interest free loan to state governments for one more year to
spur investment in infrastructure
4. Unleashing the Potential
 National Data Governance Policy to be brought out to enable access to anonymized data
for start-ups and academia
 Vivad se Vishwas I for providing relief to MSMEs affected during COVID
 Entity Digi Locker to be set up for use by MSMEs, large business and charitable trusts for
storing and sharing documents online securely
5. Green Growth
 Green Credit Programme to be notified under the Environment (Protection) Act to
incentivize environmentally sustainable and responsive actions
 PM Programme for Restoration, Awareness, Nourishment and Amelioration of Mother
Earth (PM-PRANAM) to be launched to incentivize States/UTs to promote alternative
fertilizers
 500 new ‘waste to wealth’ plants under GOBARdhan (Galvanizing Organic Bio-Agro
Resources Dhan) scheme to be established for promoting circular economy
 Mangrove Initiative for Shoreline Habitats & Tangible Incomes (MISHTI) to be taken up
for mangrove plantation along the coastline and on salt pan lands
 Amrit Dharohar to be implemented for optimal use of wetlands

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 Setting up 10,000 bio-inputs resource centre to facilitate farmers adopt natural

farming
6. Youth Power
 Pradhan Mantri Kaushal Vikas Yojana 4.0 to be launched to skill lakhs of youth within the
next three years
 Digital ecosystem for skilling to be further expanded with the launch of a unified Skill India
Digital platform
7. Financial Sector
 National Financial Information Registry (NFIR) to be set up to serve as the central
repository of financial and ancillary information
 Expanded corpus under Credit Guarantee for MSMEs to enable additional collateral-free
guaranteed credit of ₹2 lakh crore
1.1.2 PACS Computerisation - The new Ministry of Cooperation was formed with a
mandate to realise the vision of ‘Sahakar Se Samriddhi’. To realise this vision, the GoI have
initiated computerisation of 63,000 Primary Agricultural Credit Societies (PACS) with an
investment of ₹2,516 crore. NABARD, apart from financial contributions, has taken the
initiative of ground level implementation of the project.
1.1.3 National Cooperative Policy - The National Cooperative Policy envisions
increasing contribution of cooperative sector in GDP from present level of ₹21 lakh crore to
₹90 lakh crore by year 2030 and reaching around ₹900 lakh crore by 2047, thereby aiming to
achieve the target of around 40% share in the GDP of the nation. The Policy Framework is
under finalisation.
1.1.4 World’s Largest Grain Storage - Ministry of Cooperation, GoI had conceived
the idea of creating the World’s largest grain storage in the Cooperative sector by establishing
Godowns /Warehouses of varying capacities at the grassroots cooperatives. NABARD is
involved with the MoC in implementing the pilot project. NABARD has awarded the
assignment on preparation of Detailed Project Report (DPR) and Project Management
Consultancy (PMC) to NABCONS.
1.1.5 Formation of 2 lakh more PACS - Union Cabinet, in its meeting held on
15.02.2023, has approved the plan for Strengthening Cooperative Movement in the country
by formation of 2 lakh PACS in next five years. NABARD, NDDB and NFDB are required to
prepare national level action plans for strengthening of primary cooperative societies and
establishment of new multipurpose PACS or primary Dairy/ Fishery cooperative societies, as
per requirement.
1.1.6 Formation of Multi State Cooperative Societies – GoI is envisaging
formation of three Multi State Cooperative Societies at national level, one each for Exports,
Certified Seeds and Organic Farming to give special focus on the produce of the cooperatives.
1.1.7 JanSamarth Portal – GoI has launched JanSamarth Portal, a unique digital portal
linking twelve Credit Linked Govt. Schemes on a single platform, for ease of access to all the
beneficiaries and related stakeholders. The Portal uses cutting-edge technology and smart
analytics to provide intuitive guidance to beneficiaries for checking subsidy eligibility and auto
recommendation system offers best suitable scheme as per beneficiary’s requirements and
credentials. Advanced technologies automate entire lending process based on digital
verifications making the entire process simple, speedy and hassle free.
1.1.8 Account Aggregator Framework - Account Aggregator (AA) network is a
financial data-sharing system that gives consumers, greater access and control over their
financial records and expands the potential pool of customers for lenders and fintech
companies. GoI has directed that all banks, including the Cooperative Banks and RRBs should

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on-board the AA framework. NABARD has come forward to set up a Common Infrastructure
at its level and on-board the cooperative banks on the AA ecosystem as a service to the banks.
1.1.9 Aspirational Block Programme (ABP) - The Hon’ble Prime Minister has
launched the Aspirational Block Program throughout India with a special emphasis on the
“India-First Approach” in January 2023. The programme aims at developing the most
backward blocks of the country identified based on a variety of factors as recognized by NITI
Aayog. The program will cover 500 districts across 31 states and UTs initially with over half of
these blocks are in 6 states - Uttar Pradesh (68 blocks), Bihar (61), Madhya Pradesh (42),
Jharkhand (34), Odisha (29) and West Bengal (29). ABP will concentrate on tracking 15
important socio-economic indicators covering Health and nutrition, education, agriculture
and water resources, basic infrastructure, skill development, financial inclusion and social
development. These socio-economic indicators will be monitored in real-time, and periodic
rankings in important subject areas will be made public in order to promote healthy
competition among the blocks and data-driven government.
1.1.10 Enhancing Credit Flow:
Credit Guarantee Schemes: Credit Guarantees are risk-sharing instruments for
lenders and are aimed to improve flow of credit in borrowers’ segment which are normally
perceived to be risky by lenders for the promotion of Agriculture and Allied Sector, GoI has
announced two Credit Guarantee Schemes which are being managed by NABSanrakshan
Trustee Private Limited, a wholly owned subsidiary of NABARD.
Item Credit Guarantee Scheme for Credit Guarantee Scheme for
FPOs Animal Husbandry and Dairying

Guarantee Cover 85% of the sanctioned amount 25% of the Credit Facility
max. ₹1.5 cr
Annual Guarantee Up to 0.85% 0f sanctioned amount 0.50% of the sanctioned amount
Fee
Eligible Lending Scheduled Commercial Banks, Scheduled Banks
Institutions Co-operative Banks, NEDFI,
NABKISAN, etc.
Eligible Borrower FPOs (Agri based) FPO, Pvt. Company, Sec. 8 Company,
Individual Entrepreneur, MSME, etc.

1.2 Policy Initiatives - Reserve Bank of India

The following important initiatives have been taken by the RBI under Agriculture and Rural
Sector:
i. Master Circular on Lead Bank Scheme (FIDD.CO.LBS.BC.No.04/02.01.001/2023-24
dated 03 April 2023) issued by RBI has inter alia included revised agenda for SLBC
meetings, activities under annual calendar, mechanism of data flow for LBS fora
meetings, alternative framework of Due Diligence in place of No Dues Certificate, etc.
ii. As per Master Circular on SHG - Bank Linkage Programme (FIDD.CO.FID.BC.No.1/
12.01.033/2023-24 dated 01 April 2023) issued by RBI, a simple system requiring
minimum procedures and documentation is a precondition for augmenting flow of
credit to SHGs.
iii. Master Circular on Deendayal Antyodaya Yojana - National Rural Livelihoods Mission
(DAY-NRLM) SHG-Bank Linkage Programme consolidating all the instructions/
guidelines issued on the subject issued till date was issued by RBI vide circular
FIDD.GSSD.CO.BC.No.07/09.01.003/2023-24 dated 26 April 2023.

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1.3 Policy Initiatives – NABARD

1.3.1 Long-Term Refinance
To ensure increased and uninterrupted credit flow to farmers, as also to give a boost to capital
formation in agriculture sector, NABARD provides refinance to the cooperative banks and
RRBs out of Long Term Rural Credit Fund, at a reasonable rate of interest. An amount of
₹1,07,015 crore was disbursed during the year 2022-23.
1.3.2 Short-Term Refinance
NABARD provides Short Term refinance to Cooperatives, RRBs and SFBs for their crop loan
lending. The disbursement for the year 2022-23 was ₹1,58,905 crore.
1.3.3 Special Refinance Scheme
NABARD introduced Special Refinance scheme for financing under Agriculture Infrastructure
Fund (AIF) for RRBs, Cooperative Banks and subsidiaries of NABARD with a view to address
the existing infrastructure gaps and to provide a fillip to the rural financial institutions for
funding projects of other than PACS under AIF and also funding to eligible beneficiaries being
covered under AIF. The scheme envisages creation of investment in viable projects relating to
post harvest management infrastructure and community farming assets.
1.3.4 Government Sponsored Programmes with Bank Credit
 Government of India introduced Sugar Ethanol Interest Subvention scheme in 2018-19
with a view to increase the production of ethanol and its supply under the 'Ethanol Blended
Petrol (EBP).' NABARD is the nodal agency responsible for managing the Sugar Ethanol
Interest Subvention Scheme of the Department of Food and Public Distribution (DFPD),
Government of India.
 KCC-ISS portal developed by MoA & FW, GoI went live in 26 December 2022. Presently,
the data entry is going on in the portal. As on 30 March 2023, 174 Cooperative Banks and
29 RRBs have started data entry in the portal. NABARD is monitoring the progress in
respect of Cooperative Banks and RRBs.
 NABARD has been playing an important role in channelling subsidy to eligible banks
under various credit-linked subsidy schemes of Government of India, primarily for
agriculture projects and priority sector activities. Implementation of these schemes has
also enabled enhancement of flow of Ground Level Credit (GLC) to agriculture and allied
sector and priority sector activities.
1.3.5 Rural Infrastructure Development Fund (RIDF)
RIDF instituted in NABARD during 1995-96 with the main objective of providing loans to
State Governments for completing ongoing rural infrastructure projects, at present covers as
many as 39 activities, classified under three broad sector, viz; (i) Agriculture and related sector
(ii) Social Sector and (iii) Rural Connectivity. RIDF is estimated to create/restore irrigation
potential of 376 lakh ha, 5.35 lakh km of rural roads and 13.34 lakh meters of bridges and also
generate non-recurring employment of 3029 crore man-days as on 31 March 2023.
1.3.6 Micro Credit Intervention
NABARD has been extending grant support to partner agencies for promotion and nurturing
of SHGs, training and capacity building of SHG members and other stakeholders, besides
initiating special programmes for backward regions.
1.3.7 Financial Inclusion
NABARD supports the creation of the financial inclusion infrastructure of banks and various
financial inclusion awareness activities under the aegis of the Financial Inclusion Fund (FIF)
placed in NABARD. Apart from extending assistance to RFIs for onboarding to technology
platform, NABARD has onboarded the Account Aggregator platform as Financial Information

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Anakapalli District

User (FIU) which will facilitate structured financial data sharing from Financial Information
Users (FIPs).
1.3.8 Institutional Development
 Cooperative Development Fund (CDF):
The Cooperative Development Fund was constituted in 1993 under section 45 of NABARD Act
1981, with an initial corpus of Rs 10 crore. The fund is replenished every year through
Contribution from NABARD’s surplus. Assistance from the CDF is available to co-operatives
in the form of soft loans/grants for infrastructure development of PACS for resource
mobilisation, human resource development, capacity building and operational streamlining,
setting up of PACS Development Cells in CCBs etc., which in turn contribute to their functional
efficiency.
As on 31 March 2023, the total utilizations from CDF was ₹ 3,363.30 lakh against the budget
allocation of ₹11,368.50 lakh (Allocation includes ₹7,000.00 lakh towards GoI’s PACS
Computerization project).
1.3.9 Farm Sector Development
 Central Sector Scheme on Formation and Promotion of 10,000 FPOs:
NABARD, as one of the Implementing Agencies under the scheme, has empanelled 110
Agencies to work as CBBOs across the country. As on 31 March 2023, NABARD has
sanctioned 1,751 FPOs wherein a total of 3.04 lakh farmers have taken the membership.
 Climate Change: NABARD has facilitated sanction of 40 projects with a total financial
outlay of ₹1,852.61 crore under various funding mechanisms viz., Adaptation Fund (AF),
National Adaptation Fund for Climate Change (NAFCC) and Green Climate Fund (GCF).
1.3.10 Off Farm Sector Development
Capacity Building Fund - Social Stock Exchange (CBF-SSE): A Capacity Building
Fund of Social Stock Exchange (CBF-SSE) is proposed to be created in NABARD with a corpus
of ₹100 crore funded by NABARD, SIDBI, BSE, NSE and Others for awareness creation and
capacity building of the different stakeholders.
1.3.11 Agriculture Credit target for 2023-24
For the FY 2022-23, agriculture credit achievement was ₹21.67 lakh crore, as against the target
of ₹18.50 lakh crore. Agriculture credit target for the year 2023-24 has been fixed at ₹20 lakh
crore. In order to provide special focus to allied activities, separate sub targets of ₹1.40 lakh
crore for working capital and ₹1.53 lakh crore for term loan towards allied activities under
GLC targets have been fixed.
1.4 Policy Initiatives – State Government
The major policies of Andhra Pradesh State Government are as under:
 Agriculture:
 Dr. YSR Rythu Bharosa – PM Kisan: Farm Investment Support of ₹13,500 per
farmer family (including tenant &RoFR farmers) per year (including ₹6,000 under
PMKISAN) was provided under Dr. YSR Rythu Bharosa during 2022-23. During 2022-
23, 50.92 lakh farmer families including 1.97 lakh tenant/ROFR farmer families and
ROFR cultivators were provided with the assistance. The Government has allocated
₹3,900 crore input subsidy through Dr. YSR Rythu Bharosa-PM KISAN for FY 2022-
23.

 Dr. YSR Rythu Bharosa Kendralu: The GoAP has established 10778 Dr. YSR
RBKs which are functioning as integrated agriculture input shops and farmer
knowledge centres. They act as one stop centres, right from the supply of pretested
quality agriculture inputs to the procurement of farm produce at village level. About 7

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Anakapalli District

lakh quintals of certified and subsidised crop seeds worth of ₹187 crore were
distributed to about 12 lakh farmers during 2022-23. The beneficial impact of RBKs
has been praised by the Food and Agriculture Organisation of the United Nations, NITI
Aayog as well as the RBI. An amount of ₹40.46 crore has been allocated for
construction of 7,578 RBKs during the year 2023-24.

 Dr. YSR Polambadi – Farmer Field schools: They were set up for empowering
the farmers in Integrated Crop Management techniques to achieve reduction in cost of
cultivation, increase in crop yields and adoption of eco-friendly organic farming. In
2021-22, about 16,123 Polambadi sessions were organised. As per budget 2023-24,
17,000 Polambadi sessions will be organized during current FY.

 Dr. YSR Free Crop Insurance Scheme: The scheme was introduced during Kharif
2019 covering all farmers growing notified crops in the notified areas after mapping of
e-Crop and e-KYC. Since the inception of the scheme, insurance claims amount of
₹6,872 crores has been settled to 44.55 lakh farmers’ accounts through DBT. The
Government has allocated ₹1600 crore towards the scheme for the year 2023-24
covering an extent of 55 lakh ha of notified crops.

 Agriculture Marketing & Price Stabilisation Fund: The government had

established the ‘e Farmarket’, a digital marketing platform to connect the farmers of
AP with traders in the country. More than 4,000 farmers and 2,000 traders have
benefitted through this application so far. Similarly, Price Stabilisation Fund of ₹3,000
crore was established for protecting the farmers from selling their crops below the
MSP.

 Dr. YSR Agri Testing Labs: The GoAP launched Dr. YSR Agri Testing labs on 08
July 2021 for quality testing of agricultural inputs. An amount of ₹36.39 crore has been
allocated for Dr. YSR Agri Testing labs for the year 2023-24.

 Animal Husbandry and Fisheries:

 Dr. YSR Sanchara Pasu Arogya Seva: The GoAP has operationalised 340
Mobile Ambulatory Veterinary Clinics to provide veterinary services at the doorstep of
farmers for the care of their animals. Further, 154 Constituency Level Animal Disease
Diagnostic Centres have been sanctioned for integration with Dr.YSR Agri labs to
enable accurate diagnosis of animal diseases and help the farmers to save their
resources while ensuring timely treatment of sick animals.

 Fishing harbours: The GoAP has taken up construction of 9 fishing harbours of

international standards. In the first phase, four fishing harbours located at Uppada,
Nizampatnam, Machilipatnam and Juvvaladinne are under construction. The
remaining 5 fishing harbours will be taken up in the 2nd phase. Construction of 4 Fish
Landing Centres with berthing and post-harvest facilities has been taken up at
Manchineelapeta, Chintapalli, Bheemilli and Rajayyapeta.

 YSR Pasu Bhima Padhakam: The GoAP launched YSR Pasu Bhima Padhakam
to provide livestock insurance to the farmers covering improved & indigenous as well
as non-descript breeds of animals.

 Jalayagnam – Water Resources:

 Through Jalayagnam, the Government is committed to improve water availability for
irrigation, thereby attaining to build resilient infrastructure, promote inclusive and
sustainable industrialisation and foster innovation. The GoAP has allocated an amount
of ₹11,908 crore to the Department of Water Resources for 2023-24.

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Anakapalli District

 Jalakala programme: The GoAP launched the YSR Jalakala program on 28th
September 2020 to drill bore wells free of cost and install pump sets for the small and
marginal farmers so that more arable land could be brought under irrigation. So far,
17,047 bore wells have been drilled.

 YSR Nethanna Nestham: Under the YSR Nethanna Nestham, ₹24,000 per annum is
provided to every BPL weaver family owning a handloom. An allocation of ₹200 crore is
made for YSR Nethanna Nestham in 2023-24.

 Micro, Small & Medium Enterprises (MSME):

 The GoAP extended ReSTART package to MSMEs during Lockdown to bail them out
of Financial crisis
 Under YSR Navodayam (One Time Restructuring of MSME loans), 1.78 lakh MSME
whose accounts, worth more than ₹7,976 crore was restructured.
 The GoAP is extending incentives under Industrial Development policy and YSR
Jagananna Badugu Vikasam Policy to nurture MSMEs.

 Women Empowerment
 YSR Aasara: The GoAP announced the YSR Aasara scheme for the waiver of
outstanding bank loan as on 11-04-2019 of rural and urban poor women Self Help
Groups in 4 instalments. An amount of ₹19,137 crores has been waived in 3 instalments
by way of reimbursement to about 78.74 lakh SHG women in both rural and urban
areas. The GoAP allocated an amount of ₹6,700 crore for the 4th instalment of YSR
Aasara scheme for the year 2023-24.

 YSR Sunna Vaddi: The GoAP is implementing the YSR Sunna Vaddi scheme to
promote a culture of timely repayment and also reduce the interest burden on SHGs
for all outstanding bank loans up to ₹3 lakh. An amount of ₹3,615 crore has been paid
to 1.02 crore SHG women since 2019 covering both rural & urban areas. The GoAP
allocated an amount of ₹1,000 crore for YSR Sunna Vaddi scheme for the year 2023-
24.

 YSR Cheyutha: The GoAP is providing an assistance of ₹75,000 over four years
i.e., ₹18,750 per year, to more than 25 lakh women in the age group of 45-60 years,
belonging to SC/ST/BC/Minority communities. The beneficiaries are investing the
amounts as per their choice in existing livelihood activities or setting up new
enterprises. An amount of ₹14,129 crore has been disbursed in 3 instalments to 26.7
lakh women members so far. The GoAP allocated an amount of ₹5,000 crore for YSR
Cheyutha scheme for the year 2023-24.

 Education
 Jagananna Amma Vodi: The scheme provides poor mothers (or recognized
guardian in the absence of mother) ₹15,000.00 per annum for sending their children
to school. The GoAP allocated an amount of ₹6,500 crore for the scheme for the year
2023-24.
 Manabadi Nadu-Nedu: For improving infrastructural facilities through community
participation, an allocation of ₹3,500 crore has been made for this scheme in 2023-24.
 Jagananna Vidya Kanuka: The GoAP launched the programme to improve
attendance and enhance the learning outcomes of government school going children
by providing teaching-learning material in form of student kits, consisting of uniforms,
shoes, socks, textbooks, notebooks, workbooks, school belt and a set of masks. An
amount of ₹560 crore has been allocated for the scheme for the year 2023-24.

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 PLP FY 2024-25
Anakapalli District

 Jagananna Vidya Deevana and Jagananna Vasathi Deevana: The GoAP is

implementing the Jagananna Vidya Deevana scheme which provides full fee
reimbursement for Polytechnic, ITI, Engineering, Medical, degree and higher courses.
Jagananna Vasathi Deevana scheme covers the food and hostel expenses of students
with the objective of improving the gross enrolment ratio in higher education. An
amount of ₹2,841 crore and ₹2,200 crore were allocated for the schemes for the year
2023-24.

 Housing: The GoAP is implementing ‘Pedalandiriki Illu’ scheme to provide 30.2 lakh
permanent houses to all eligible beneficiaries by the end of 2023 in saturation mode. An
amount of ₹5,600 crore has been allocated for 2023-24 towards the scheme.

 Health and Nutrition: The GoAP allocated an amount of ₹15,882 crore for Health,
Medical & Family Welfare Department for the year 2023-24. Some important schemes
under the department are as under:

 Dr. YSR Arogyasri scheme, the flagship programme of GoAP covers 1.41 crore
families wherein 3,255 procedures are available for free of cost. Dr YSR Aarogyasri
scheme, the Government provides ₹225 per day as post-operative sustenance
allowance to BPL patients to compensate for wage loss and medicines
 Jagananna Gorumudda – Revamped Mid-Day Meal scheme: The scheme was
launched to serve tasty, nutritious, and qualitative Mid-Day meals to children.
 The Nadu-Nedu Health scheme focuses on the improvement of Public Healthcare as
well as Health Infrastructure.

 Welfare Schemes: The GoAP allocated an amount of ₹20,005 crore for SC

Component, ₹6,929 crore for ST Component and ₹38,605 crore for BC Component for
the year 2023-24. Further an amount of ₹4,887 crore and an amount of ₹4,203 crore were
allocated for Kapu welfare and minorities welfare respectively for the year 2023-24.

 Industries and Commerce:

 The GoAP allocated an amount of ₹2,602 crore for Industries and Commerce for the
year 2023-24.
 The ‘YSR Jagananna Mega Industrial Hub’ being developed over an extent of 3,155 acre
near Kopparthi, YSR district will act as a Multi-Product Mega Industrial Park to attract
investments of ₹25,000 crore with potential to generate employment for about 75,000
individuals.
 Andhra Pradesh received sanction for establishment of five clusters from the
Government of India under MSE-CDP scheme. The state has also received approval
from National Industrial Corridor Development Corporation for partnering in the
development of three industrial clusters, namely Nakkapalli cluster of Visakhapatnam
node; Chittoor South cluster of Srikalahasthi-Yerpedu Node; and Kopparthi cluster of
Kadapa Node under VCIC.
1.4.1 Status of Cooperatives in the State
Andhra Pradesh has an integrated three-tier cooperative credit structure, with short-term and
long-term credit functions under one umbrella. The APStCB is at the apex level with 18
branches and 13 DCCBs are operating at the district level through 429 branches. A total of
2037 PACS are functioning at the village level.

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 PLP FY 2024-25
Anakapalli District

1.4.1.1 Financial Position of APStCB as on 31.03.2023

The total deposits of APStCB as on 31 March 2023 were ₹9041.79 crore, while the total
borrowings were ₹22658.81 crore. The total loans and advances extended by APStCB were
₹27690.64 crore and total investments stood at 1992.83 crore. The CRAR of the APStCB stood
at 9.86% and the Gross NPA was at 0.62%. The CD ratio of APStCB was 160.38%
1.4.1.2 Status of CBS in cooperative banks
APStCB migrated to new CBS B@NCS24 of TCS w.e.f. 4th July 2021, as part of NABARD
initiated CBS project. The process of migration to the new CBS has been completed in all
DCCBs. The APStCB is providing other services like RTGS/NEFT, ATM facility and the issue
of RuPay debit cards to its customers. The DCCBs are also providing RTGS and NEFT under
sub-route through StCB. ATMs are also installed in DCCBs and RuPay debit cards are issued
on a small scale. SMS facility is also extended by all the banks.
1.4.1.3 NABARD’s role in strengthening PACS in the state
NABARD Andhra Pradesh RO Sanctioned TFO of ₹1844.49 Crore with a refinance of ₹1660.45
Crore to APStCB for the establishment of multipurpose post-harvest infrastructure facilities
by 1305 PACS at RBKs in convergence with Rythu Bharosa scheme of GoAP and disbursed
₹58.28 crore.
With the purpose of transforming PACS into self-sustainable entities, NABARD, Andhra
Pradesh Regional Office has sanctioned refinance assistance of ₹27.52 crore at a concessional
rate of interest of 3% to APStCB covering 62 PACS for creating infrastructure facilities (storage
facilities, petrol bunks, RO water plant, cold rooms, etc.) under the Scheme. Against this
sanction, refinance of ₹8.14 crore has been released in respect of 34 PACS during FY2022-23.
1.4.1.4 Association with Commonwealth of Learning, Canada
ApStCB unveiled its new Micro-Learning Centre (MLC) at the Cooperative Training Centre
(CTI) of APStCB in collaboration with the intergovernmental organization Commonwealth of
Learning (COL), as part of Lifelong Learning for Farmers (L3F) & Lifelong Learning for
Employees (L3E) initiatives. Through the platform, Educational media content can now reach
tens of thousands of farmers across the state on a daily basis, helping them obtain new skill
sets to solve problems they face in their small farms and micro-businesses in real time.
1.4.2 Sector-wise/ Activity-wise distribution of Cooperatives

Sr. No Type Number of Societies

A. Details of Non-Credit Cooperative Societies
1 AH Sector (Milk/Fishery/ Poultry etc.) 5607
2 Consumer Stores 427
3 Housing Societies 2257
4 Weavers 2716
5 Marketing 1618
6 Labour Societies 2493
7 Industrial Societies 388
8 Agro Processing and Sugar 72
9 All others 55736
Total 71314
B. Details of Credit Cooperative Societies
10 Primary Agriculture Credit Societies 2046
C. Details of Multi State Cooperative Societies
11 No. of MSCS 22
Source - APStCB & MoC, GoI

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Anakapalli District

1.4.3 Recent Developments/ Initiatives, if any, taken by State Government

in strengthening of outreach and activities of Cooperatives
1.4.3.1 Computerisation of PACS: The computerisation of PACS was launched by Govt.
Of India with an outlay of ₹2516 crore. The project would be implemented and monitored at
03 levels i.e. national level, state level and district level. Under this project, State Level
Implementation and Monitoring Committee (SLIMC) and District Level Implementation and
Monitoring Committee (DLIMC) were constituted. Audit of all PACS have been completed.
1.4.3.2 Business Development and Product Innovation Cell
With NABARD's assistance, APStCB constituted BDPI Cell at its Head Office to integrate new
products into the existing product lines emphasising a focus on the development of new
products for business improvement and re-engineering of the existing product basket.
1.4.3.3 RBK & PACS Integration
Rythu Bharosa Kendra (RBK) is GoAP’s initiative for providing “Seed to Sale” services at one
stop. For extending wide range of credit and non-credit services to farmers and rural
community at village level, RBK & PACS Integration is being taken up with detailed Standard
Operating Procedures & Plan of Action. G.O.252 was issued to give effect to this.
1.4.3.4 Gold loan business through PACS
In view of integration of RBKs and PACS under chairmanship of Chief Secretary to GoAP.
Agriculture & Cooperation department, GoAP had issued Standard Operating Procedure
(SOP) on Gold Loans in PACS in order to guide and encourage PACS to take up Gold Loan
business. At present, around 320PACS are undertaking Gold Business and the total
outstanding’s under Gold Loan Business by PACS in the state of Andhra Pradesh is ₹470.44
crores.
1.5 State Government Sponsored Programmes with Bank Credit
YSR Sunna Vaddi Panta Runalu: Under the scheme, interest free crop loans up to ₹1.00
lakh are provided to farmer who repay their loans in time. From 2020-21, the interest subsidy
claim amount is credited directly into the eligible farmers’ bank accounts instead of releasing
to the banks. Since inception, an amount of ₹1,834 crore has been credited to 73.88 lakh
farmer accounts through DBT mode. An amount of ₹500 crore has been allocated by GoAP for
the year 2023-24 towards YSR Sunna Vaddi Panta Runalu which is expected to benefit 33 lakh
farmers.
Jagananna Thodu: Under this scheme, our government has facilitated an interest free
financial assistance of ₹10,000 per annum through banks to hawkers, street vendors and
artisans engaged in traditional handicrafts to expand their business. The scheme has benefited
15.31 lakh beneficiaries belonging to the most vulnerable sections of society with the total
amount of loan disbursed at ₹2,470 crore. An amount of ₹35.00 crore has been allocated for
Jagananna Thodu for the year 2023-24.

Jagananna Chedhodu: The scheme provides a financial assistance of ₹10,000.00 per year
to Rajakas, Naye Brahmins and Tailors for ensuring self-employment to them. The GoAP
allocated an amount of ₹350 crore for Jagananna Chedhodu for the year 2023-24.

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Anakapalli District

Chapter 2

CREDIT POTENTIAL FOR AGRICULTURE

2.1. Farm Credit

2.1.1. Crop Production, Maintenance and Marketing

2.1.1.1. Status of the Sector
i. The geographical area of Anakapalli district is 4.29 lakh ha, out of which the gross cropped
area is 1.87 lakh ha. Agriculture is predominantly rainfed and plays an important role in the
economy of the district. More than 70% of the district population depends on agriculture for
their livelihood. The soil in the district includes Red loamy soil with a coverage of 70%, Sandy
loamy soils with a coverage of 20% and Black cotton soils with a coverage of 10%. The total
irrigated area was 0.99 lakh ha during 2019-20 which constitutes 64.70% of net sown area.
Total Cropped Area is 1,87,570 hectares and Net Area Sown is 1,53,650 hectares and area sown
more than once is 33,920 hectares during the year 2019-20. During 2022-23, total cropped
area is 1,66,383 hectares and Net Area Sown is 1,65,289 hectares. Paddy is the major irrigated
crop, followed by Sugarcane, pulses and oil seeds. (Source: District Statistical Handbook)

ii. The actual area sown during Kharif 2022-23 and Rabi 2022-23 was 0.738 lakh ha and 0.155
lakh ha as against the normal area of 1.53 lakh ha and 0.34 lakh ha respectively. The cropping
intensity of the district is 122%. The details of production and productivity for 2019-20 are
indicated in district profile. (Source: District Statistical Handbook & Agriculture Department)

iii. Rainfall: The average annual rainfall of the district is 1175.40 mm, of which 58% is
contributed by south-west monsoon, 26% by north-east monsoon and the rest as summer
showers. The actual rainfall during the year 2022-23 was 945.30 mm which deficient by 4.30%
of normal rainfall of 987.90 mm. (Source: District Statistical Handbook & AP Socio-economic
survey 2022-23)

iv. The Small and Marginal Farmers in the district constitute 96.50% of the total farmers,
holding 1.58 lakh ha of land (76.50% of total). 3.50% of the remaining farmers hold 0.48 lakh
ha (23.50%) of land. The average holding of SF/MF is 0.31 ha but the average holding of other
farmers is 1.26 ha. (Source: District Statistical Handbook)

v. Irrigation: The main sources of irrigation in the district are Canals, Tube wells, Tanks,
and Dugwells. The area irrigated, source-wise for the year 2019-20 is indicated below:

(Area in ha.)
Sl.No Source 2019-20
1 Canals 41891
2 Tube wells 36547
3 Tanks 18541
4 Dug wells 2633

5 Lift Irrigation 45
6 Other Sources 96
(Source: District Statistical Handbook)

vi. The cultivable land in the district including fallow lands and cultivable waste is 2.24 lakh
ha. Considering good monsoon, increasing trend of rainfall in the district and consequent
capacity utilisation of the irrigation projects, the gross cropped area is expected to touch more
than 2.50 lakh ha.

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Anakapalli District

vii. The flow of institutional credit towards crop loans in the district during the last year is as
under:
( ₹ lakh)
Year 2022-23 % Share (2022-23)
Commercial Banks 318561 83.02
Regional Rural Banks (APGVB) 17625 4.59
District Cooperative Central Bank 47547 12.39
Total 383733 100.00
(Source: LDM, Anakapalli)

viii. GoI Scheme of Subvention of Interest on Crop Loans: Government of India has
announced continuation of Modified Interest subvention scheme of 1.5% Interest Subvention
on Crop Loans till FY 2023-24. Farmers also will continue to get 3.0% interest incentive for
prompt repayment of crop loans till FY 2024-25.

ix. GoI Interest Subvention for First Year on Crop Loans converted due to
Natural Calamities: To provide relief to farmers affected by natural calamities, the interest
subvention of 1.5% will continue to be available to Banks till FY 2023-24 for the first year on
the restructured amount. Such restructured loans may attract normal rate of interest from the
second year onwards as per the policy laid down by the RBI.
x. Financing under Negotiable Warehouse Receipts (NWRs): In order to discourage
distress sale and to facilitate better price realization, Government of India is continuing to
provide 1.5% interest subvention to all public sector Commercial Banks, Regional Rural Banks
and Cooperative Banks till FY2023-24 for financing post-harvest loans against NWRs to small
and marginal farmers (having KCC) at 7% p.a. rate of interest. Such loans are available up to
₹3.00 lakh for a period of six months. Refinance from NABARD is available to Cooperative
Banks and Regional Rural Banks at an interest rate of 4.5% p.a.
xi. Rythu Bharosa Scheme: Govt. of AP is implementing an input subsidy scheme known
as “RythuBharosa” extending financial assistance of ₹13500 per farmer family per year
(including ₹6000/- from PM-KISAN) under Dr.YSR Bharosa-PMKISAN as an investment
support to the farmers in three installments. Financial assistance will also be provided to
landless tenant farmers & ROFR Cultivators belonging to SC, ST, BC and Minority categories.
xii. Natural Farming/ Organic Farming is one of the interventions to achieve double of
farmers’ income by reducing their cost of cultivation, improving their yields, reducing their
risks and enabling them to get remunerative price. Andhra Pradesh Community based Natural
Farming (APCNF) is a project being implemented by Rythu Sadhikara Samstha, a Company
floated by GoAP. It is a community managed cluster approach for promoting sustainable
agriculture, soil health, water holding capacity of soil and climate resilience. In the district, the
natural farming/organic farming is being practiced in 15,574 acres covering around 22,942
farmers.

xii. The Government of Andhra Pradesh has launched “Dr. YSR Free Crop Insurance Scheme”
under NAVARATNALU scheme from Kharif 2019 onwards. Andhra Pradesh General
Insurance Corporation Limited (APGICL) has been established under the Companies Act,
2013, as a 100% State owned entity primarily for taking care of insurance needs of farming
sector. To ensure 100% coverage, the State Government has implemented the crop insurance
scheme for Kharif 2020 and Rabi 2020-21 as 100% State sponsored scheme for all the
cultivators of Agriculture and Horticulture crops as notified for insurance coverage in the
specified areas. The cultivators, whose data is uploaded in the e-crop portal by functionaries
of village secretariat, before the crop-wise cut-off dates notified by the Department, will be
eligible for coverage under the scheme.

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Anakapalli District

xiii. Agriculture Mission of Government of Andhra Pradesh: The Government has

constituted an Agriculture Mission in the year 2019-20 with an objective to address the issues
relating to increased cost of cultivation, high indebtedness, bankruptcy, unorganised supply
of inputs, lack of remunerative prices and timely support in case of natural calamities, etc.,
and facilitate better coordination covering allied sector. The mission would help in
overcoming “The challenges in delivering quality and timely services to the farming
community and also look into all aspects of production, marketing and pricing of agriculture
and horticulture commodities to mitigate the agrarian issues.”

xiv. The State Government has constituted “Agriculture Advisory Boards” at State, District
and Mandal Levels with various stakeholders and progressive farmers as members with an
objective to advise line departments on crop diversification, efficient use of irrigation
resources, improving export facilities and to propose the Government for providing support
package for crop diversification.

xv. E-Crop booking: E-Crop Application aims to create database of farmers through web-
based application. This database is made mandatory for usage in implementation of Crop
Insurance, Providing Input Subsidy, Sunna Vaddi Panta Runalu and Procurement of
Agriculture Produce.

xvi. International Year of Millets 2023: As proposed by India and supported by 70 other
nations, United Nations has declared the year 2023 as the International Year of Millets. The
districts of Visakhapatnam and Kurnool have topped the charts in minor millets production
contributing to 90% production in the State. During 2019-20, the production in Anakapalli
district was recorded as Bajra – 1048.25, Maize – 780.50 MTs and Ragi – 92.496 MTs.
(Source: District handbook of Anakapalli district, 2020).

2.1.1.2. Infrastructure and Linkage Support available, Planned and Gaps

i. The Department of Agriculture is headed by Joint Director. There are offices at
Division level headed by Assistant Directors, assisted by Agricultural Officers,
AEOs, MPEOs, etc.
ii. There is one Soil Testing Laboratory at Anakapalli and two mobile units at
Visakhapatnam. Soil test-based fertilizer application has been identified as one of
the strategies for the growth of agriculture.
iii. To ensure availability of quality inputs to farmers, Dr.YSR Agri Testing Labs had
been established by Government of Andhra Pradesh to test the Agri inputs like
seeds, fertilisers and pesticides. NABARD had sanctioned 06 such labs, at assembly
constituency level under RIDF XXV in the district.
iv. One Regional Agriculture Research Station at Anakapalli and Two KVKs in Rambili
and Kondempudi provides various demonstrations and trainings to farmers.
v. 02 Soil Testing Facilities (at AMC of Narsipatnam and at ADO Office in Anakaplli)
are available in the district.
vi. There are o4 Agriculture Marketing Committees (AMCs) functioning in the district,
out of which 01 AMC at Anakapalle is under e-NAM for Jaggery.
vii. As on 31.03.2020, 22720 Agricultural electrical connections were given to farmers
in the district
viii. Susag Millets FPC and various other FPCs also procuring, processing and marketing
of Millets
ix. Seed distribution as well as fertilizer distribution is taken care by the Agriculture
Department and PACS situated at village level. There is no large-scale seed
processing plant in the district. Non-availability of Rake point is reportedly creating
logistic problems in storage and distribution of fertilizers.

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Anakapalli District

x. The Agriculture Department provides various farm equipment like tillers, paddy
transplanters, harvesters, chaff cutters, sprayers, sprinklers, etc., to the farmers on
subsidy.
xi. In coordination with NIC, banks were provided with the facility of online viewing
the digitalized land records from their branches and creation of charge on-line on
the land of loanee farmers.
xii. Extension infrastructure – The network of Multi-Purpose Extension Officers
(MPEOs), Polam Pilustondi – identification of best practicing farmers in NPM and
CMSA as master trainers, etc., are some of the extension activities being provided
by the Department.
xiii. Establishment of YSR Rythu Bharosa Kendralu (Farmers’ One Stop Shops): RBKs
have been established and functioning across the district, to supply the quality
inputs like seeds, fertilizer and pesticides to farmers at right price and right time
and to disseminate best practices and updated technical knowledge of Agri & Allied
sectors for the farmers.
xiv. The RBKs enable the landless cultivators to get Crop Cultivator Rights Cards
(CCRCs) and enable them to avail all facilities including crop loans, insurance and
other Govt. benefits without affecting the rights of the owner of the land. During the
FY 2022-23, 2723 CCRCs have been issued with a credit disbursement of ₹8.02
crore in Anakapalli district.

2.1.1.3. Assessment of Potential for the financial year 2024-25

An amount of ₹3,837.33 crore was disbursed under crop loans during 2022-23 and an amount
of ₹3,667.00 crore has been set as ACP target for the year 2023-24 for the district. Considering
the above interventions, the assessment of potential for crop loans in the district for the year
2024-25 is as under:
(₹ lakh)
PLP Projections 2024-25
Sl.
Crop Unit Scale of Physical Financial
No. Bank Loan
Finance units outlay
1 Paddy ha 1.06 83683 88703.98 88703.98
2 Bajra ha 0.42 1610 676.20 676.20
Ragi (Plus Minor ha
3 0.42 160 67.19 67.19
Millets)
4 Sugarcane ha 1.98 65980 130402.87 130402.87
5 Groundnut ha 0.79 637 503.23 503.23
6 Gingelly ha 0.32 2768 885.76 885.76
7 Coconut ha 1.16 6928 8036.48 8036.48
8 Vegetables ha 1.04 7983 8302.32 8302.32
9 Pulses ha 0.49 10945 5363.05 5363.05
10 Betel leaves ha 1.98 432 855.36 855.36
Crop Loan - Misc (
11 Cashew + Banana + ha 0.50
Mango + other fruits)
235 117.50 117.50
10% for post-harvest/
12 household LS 195.00 195.00
consumption
20% for
13 repairs/maintenance of LS 25133.94 25133.94
farm assets
14 Produce Pledge Loans LS 50267.89 50267.89
Total 374854.63 374854.63

As per the revised KCC guidelines, the bank loan arrived @ 100% of TFO. The block-wise and
activity-wise physical and financial projections for the year 2024-25 are given in Annexure-I.

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Anakapalli District

2.1.2. Water Resources

2.1.2.1. Status of the Sector
The important rivers of the district include Varaha, Sarada, and Thandava rivers. The major
source of irrigation in the district is through Major irrigation projects such as Thandava
Reservoir project and medium Irrigation projects such as Raiwada, Konnam and Padderu
reservoir projects. The geographical area of district is 4.29 lakh ha, of which the Gross
Cropped Area of the district during 2019-20 was 1.87 lakh ha. The gross irrigated area in 2019-
20 was 0.99 lakh ha. The major irrigated area is under Canals followed by Tube wells.
The initiatives of GoI include Pradhan Mantri Krishi Sinchayee Yojana, setting up of the Long-
Term Irrigation Fund in NABARD, funding of rural infrastructure projects by NABARD under
RIDF, capital subsidy linked scheme through NABARD to promote solar pumpsets. The
initiatives of GoAP include the installation of solar irrigation pump sets by the New and
Renewable Energy Development Corporation of AP (NREDCAP), Andhra Pradesh Eastern
Power Distribution Corporation Ltd. APEPDCL. Good potential for deployment of
institutional credit exists both for surface and ground water-based irrigation structures as also
for efficient water application and water lifting units.
2.1.2.2. Infrastructure and linkage support available, planned and gaps
 The total gross area irrigated is 99,753 ha and Net Area Irrigated is 81,397 ha.
Irrigation through various sources such as Canals (41891 ha), Tank (18541 ha), Tube
wells (36547 ha), Dugwells (2633 ha) LI (45 ha), others (96 ha) is in place.
 In Anakapalli district, all mandals are in safe zone except Munagapaka Mandal which
is in Semi-critical zone. No critical, over-exploited and salinity mandals in the district.
 AP Government has decided to provide borewells to the needy and eligible farmers free
of cost under “YSR Rythu Bharosa” programme of “NAVARATNALU”. Availability of
power is a very critical input. Load relief measures are taken mainly to ensure nine
hours of Power supply to the agriculture sector.
 There are some gaps in the infrastructure viz. drilling equipment for drilling borewells,
insufficient number of Hydrogeologists/Geophysicists to take up groundwater
investigations etc. The State Government recently initiated a scheme to make free
drilling rings for bore wells under YSR Jalasiri Scheme. Under YSR Jala Kala
programme, GoAP has decided to drill free borewells to any farmer/group of farmers
without an existing borewell and with a contiguous land of 2.5 acres for the purpose of
irrigating every acre of arable land.
 There is a huge potential for deployment of institutional credit both for surface and
ground water-based irrigation structures as also for the efficient water application and
water lifting units. However, the GLC is not in commensuration with the available
potential under this key sector. With pro-active Government policies, focused attention
and with the cooperation of banks, the disbursement under Water Resources/MI is
likely to increase in the coming year.
 With an objective to encourage farmers to adopt micro irrigation, Government of
Andhra Pradesh is providing subsidy for purchase and installation of micro irrigation
units (drip and sprinkler). 90% subsidy (ceiling of ₹2.50 lakh) is provided to the
farmers holding less than 5 acres of land and 70% (ceiling of ₹3.46 lakh) to those
holding 5-10 acres of land.
 With a view to conserve water for the future, a new “Mission on Amrit Sarovar” aimed
at developing and rejuvenating 75 water bodies in each district of the country as a part
of celebration of Azadi ka Amrit Mahotsav, which would lead to creation of 50,000
water bodies of a size of about an Acre or more in the country. Under this mission, 156
water bodies were identified out of which 122 water bodies were rejuvenated in
Anakapalli district.

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Anakapalli District

2.1.2.3. Assessment of potential for the financial year 2024-25

Institutional credit plays an important role in the creation of Minor Irrigation structures by
individuals/groups of farmers. Considering the potential in the district and policies of the
Government, the projection for the year 2024-25 has been assessed as under.
(₹lakh)
Sl.No. Activity Unit PLP Projections 2024-25
Unit Phy. Fin. Bank
Cost Units Outlay Loan
1 Dugwell + Pumpset Nos. 1.64 800 1308.80 1047.04
2 Borewells + Pumpset Nos. 1.26 8000 10088.00 8070.40
3 Filter points + pumpset Nos. 0.54 240 130.60 104.48
4 Shallow Tube wells Nos. 3.89 1160 4513.56 3610.85
5 Diesel Motors Nos. 0.50 16000 32000.00 6400.00
6 Drip Irrigation ha. 0.90 6400 5747.20 1149.44
7 Sprinkler Irrigation ha. 0.33 5750 951.65 190.33
100
8 Pipeline mts 0.27 16000 4320.00 3456.00
Artificial Recharge of
Dried/ Seasonally Nos.
9 functioning borewells 0.44 5000 2175.00 1740.00
Total 61234.81 25768.54

The Joint mandal wise and activity wise, physical and financial projections for the year 2024-
25 are given in Annexure-I. The bank loan is arrived based on the practice followed by bankers
and RBI guidelines on margin money.

2.1.3. Farm Mechanisation

2.1.3.1. Status of the Sector
The main objectives of farm mechanization are increase in efficiency and timeliness of farm
operations, reduction in cost of cultivation, improvement in the quality of produce for better
marketability, efficient utilization of inputs etc. The machines and equipment will help in
increasing the productivity and enable the farmers to complete farming operations in time.
Studies reveal that adoption of appropriate mechanization of farm operations can increase the
food production and farm productivity by 10-15%, cropping intensity by 5-20%. Farm
mechanization can also save upto 15-20% in seeds, 15-20% in fertilizers and chemicals, 20-
30% in time and labour. It also reduces the drudgery of farm workers, especially for
agricultural women.

A lot of potential exists for financing of tractors (large, medium and small/ mini horse power),
power tillers, rotavators, paddy transplanters, threshers, combine harvesters, sugarcane
harvesters, seed drills and other equipment like MB ploughs, disc ploughs, cultivators,
harrows, post-harvest equipment and horticulture tools, crop based custom hiring service
centres, etc. As the capital investment is high, subsidy is made available under Rastriya Krushi
Vikas Yojana (RKVY), Normal State Plan (NSP), and Sub-mission on Agriculture
Mechanisation.

2.1.3.2. Infrastructure and linkage support available, planned and gaps

(i) Out of the total land holdings area of 2.06 lakh ha, nearly 96.50% of land is held by small
and marginal farmers which offer scope for power tillers. With good rains expected and

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 PLP FY 2024-25
Anakapalli District

various interventions of Government to create additional irrigation potential, gross cropped

area of the district is expected to increase, which in turn creates potential for mechanisation
of farm operations. The district has potential for post-harvest primary processing machinery,
especially for mango, cashew and millets.
(ii) Dr. YSR Yantra Seva: The GoAP also proposed to establish Custom Hiring Centres in
Hub and Spoke Model, with Custom Hiring Centres (CHC) at Rythu Bharosa Kendras (RBKs)
and hi-tech equipment at Hubs. 07 Custom Hiring Hubs (CHH) are proposed to be set up at
Assembly Constituency level. Schemes of Department of Agriculture, GoI, like SMAM, AIF,
RKVY, etc. would be dovetailed for availing the benefit. GoAP is extending a subsidy of 40%
for setting up CHCs and CHHs in convergence with CSS schemes SMAM and RKVY. The
scheme is being implemented by GoAP in convergence with the DCCBs in the State.
(iii) The district has an adequate dealer network, and no problem is envisaged for servicing
of tractors. As on 31 March 2021, 7,744 tractors available in the undivided district of
Visakhapatnam. (Source : Statistical abstract of AP-2021).
(iv) Agricultural machinery like paddy reapers is needed more in areas of labour shortage
during harvest season.
(v) The credit flow is not in commensuration with the available potential under the
key sector. It is reported that farmers are purchasing machinery by availing finance
from Non-Banking Financial Institutions (NBFCs).
2.1.3.3. Assessment of potential for the financial year 2024-25
Keeping in view the government’s policy for farm mechanization, emerging needs and interest
of the farmers, the projections for the financial year 2024-25 under Farm Mechanization
sector are given below:
(₹lakh)
PLP Projections 2024-25
S.No Crop Unit Physical Financial
Unit cost Bank Loan
units outlay

1 Tractors Nos. 8.50 3450 29325.00 23460.00

2 Power Tilers Nos. 2.50 6025 15062.50 12050.00
3 Paddy threshers Nos. 2.00 900 1800.00 1440.00
4 Paddy Transplanters Nos. 1.50 3250 4875.00 3900.00
5 Land Levellers Nos. 3.60 40 144.00 115.20
Paddy Straw Baler- Nos.
6
Tractor operated 4.00 40 160.00 128.00
7 Zero-till Seed Driller Nos. 0.50 80 40.00 32.00
Mini Custom hiring Nos.
8
centres for sugarcane 8.10 190 1539.00 1231.20
9 Combined Harvester Nos. 20.00 80 1600.00 1280.00
Sugarcane combined Nos.
10
harvester 150.00 24 3600.00 2880.00
Miscellaneous Nos.
11 equipment ( Sprayers,
etc.) 1.00 1800 1800.00 1440.00
Total 59945.50 47956.40

The bank loan is arrived based on the practice followed by bankers. The block-wise and
activity-wise physical and financial disaggregated projections for the year 2024-25 are given
in Annexure-I.

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 PLP FY 2024-25
Anakapalli District

2.1.4. Plantation and Horticulture including Sericulture

2.1.4.1. Status of the Sector
i. Plantation and Horticulture
Horticulture is widely heralded as the sector that provides dynamic tool for improving
economic condition of the farmers ensuring higher returns both in quantitative and value
terms. The sector also facilitates diversified opportunities with high value crops, generating
employment, ensuring nutritional security and ecological sustainability; and enhancing the
export earnings. Horticultural production in the country has shown a compounded annual
growth rate of 6.44 % during the last ten years.
Diverse climate and soil factors in the district give good scope for cultivation of different
horticulture crops in the district. The area under Horticulture in Anakapalli district is about
52,476 ha with production of 2.39 lakh MTs during 2022-23. The major horticulture crops
grown in the district are Cashew, Mango, Coconut, Oil palm and Vegetables.
The details of major crops grown, and the production details are as under:
Name of Crop Area (ha) Production (MT)
Cashew 27633 18582
Mango 10879 9930
Coconut 9288 1393
Oil palm 3875 79735
Vegetables 3146 74657
Banana 976 34171
Beetle vine 396 5939
Cocoa 258 194
Guava, Papaya, Lime, Orange, 408 13361
custard apple etc
Spices 37 161
Medicinal/aromatic plants 17 86
(Source: Horticulture Department, Government of AP)
Various programmes under State Plan, RKVY and NMOOP are being implementing in the
district.
2.1.4.2. Infrastructure and linkage support available, planned and gaps
i. Government farm at Anakapalli and a model nursery at KVK, Haripuram and private
nurseries like Tilak nursery at Lankalapalem which mostly concentrate on avenue
plantation and other ornamental plants are available.
ii. Farmer-consumer market linkages through a network of Rythu Bazaars in the district.
Nursery production may be encouraged in Sabbavaram, Kotauratla, Anakapalle,
Chodavaram, Madugula etc. The selection of location may be made keeping in view the
cyclonic risks.
iii. Few FPOs promoted by NABARD and Horticulture Department established Solar Cold
Storage for storing vegetables. There is a need for improving cold chain network
in the district considering the potential for horticulture in the district.
iv. Dr YSR Thota Badi, a weekly training program to farmers is introduced first of its kind
in Visakhapatnam district to improve the Horticulture productivity and to disseminate
Government assistance schemes to farmers regularly.
v. The Horticulture Department is extending subsidy for various activities such as small
nurseries in private sector, establishment of new gardens, rejuvenation of senile

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 PLP FY 2024-25
Anakapalli District

plantations, IPM, protected cultivation, post-harvest management, establishment of

marketing infrastructure, farm mechanisation and trellis and pandal cultivation in
convergence with MIDH/RKVY.
vi. Though there is a good potential for development of horticulture crops, the
institutional credit is not in commensuration with the available potential under this
key sector.

2.1.4.3. Assessment of Potential for the financial year 2024-25

Considering, the present status, trends in ground level credit, infrastructure availability and
recent policy / promotional interventions, the financial projections has been assessed as
under:

(₹ lakh)
Sl. Activity Unit PLP Projections 2024-25
No. Unit Physical Financial Bank
Cost Units Outlay Loan
1 Mango ha 2.00 1264 2527.20 2148.12
2 Cashew ha 1.65 2205 3638.25 3092.51
3 Coconut (TXD) ha 1.75 850 1487.50 1264.38
4 Oil Palm (DRIP) ha 3.75 705 2643.75 2247.19
5 Polyhouses 1000 Sq.mt 13.65 50 682.50 580.13
6 Shadenets 1000 Sq.mt 0.01 12000 120.00 102.00
7 Vegetables on Ha 6.00 405 2430.00 2065.50
Pandals
8 Farm Fresh Veg on Ha 9.00 240 2160.00 1836.00
Wheels
9 TC Banana Ha 2.45 360 881.98 749.68
10 Papaya Ha 1.20 400 480.00 408.00
TOTAL 17051.18 14493.50

The Joint-Mandal and activity-wise physical and financial projections for the year 2024-25
are given in Annexure-I. The bank loan is arrived based on the practice followed by bankers.

2.1.5. Forestry and Waste Land Development

2.1.5.1. Status of the Sector

In the State of Andhra Pradesh, the recorded forest area (RFA) is 3.77 million ha (23% of GA),
out of which in Anakapalli district RFA is 78445 ha (329071 ha). Thus, a good scope is available
for increasing the forest cover in conventional forest area (legally defined as forest by
government) especially for enrichment plantations by State Government to increase the crown
density where funds can be accessed from products like Rural Infrastructure Development
Fund (RIDF) with NABARD in addition to their budgetary allocation and State Compensatory
Afforestation Fund Management and Planning Authority (CAMPA). However, there also exists
a tremendous potential for increasing the tree cover outside the conventional forest area i.e.,
on private lands.

2.1.5.2. Infrastructure and linkage support available, planned and gaps

i. There is 6793 ha of culturable waste land in the district which can be tapped for
promotion of Social and Farm forestry.

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 PLP FY 2024-25
Anakapalli District

ii. During 2019-20, Social Forestry Division planted Teak in 85 ha, 40 ha Casuarina and
others in 940 ha totalling 1065 ha. During 2020-21, the Social Forestry Division,
Visakhapatnam has distributed 98.921 lakhs seedlings under MGNREGS and APDRP
schemes and has raised 19kms avenue plantations under MGNREG scheme.
iii. During 2020-21, the Social Forestry Division, Visakhapatnam has prepared 1.50 lakhs
seed balls with misc. seeds and spread across the trenches and in Reserved Forest (RF)
areas through manual seeding.
iv. The Forest Department has established Technology Dissemination Centres at various
places with adequate infrastructure and training facilities. Out of these, the Centres at
Rajahmundry, and Visakhapatnam will be used as centres for demonstration of all
possible applications of Bamboo and will be developed as centres for training,
extension and outreach.
v. Institutional Development - A three tier co-operative structure envisaged for
development of bamboo - Primary Bamboo Cooperative Societies at primary level
which will be federated at Demonstration centre and Growth centre level and finally as
AP Bamboo Society at the state level.
vi. The credit flow for this activity in the district is very erratic. Bankers are not coming
forward to lend for forestry and wasteland on account of the long gestation period.
vii. Considering good forest cover, there is potential for collection of forest honey and
formation of FPO for wild honey collectors.
viii. There is general lack of awareness about the economic viability /bankability of agro-
forestry/ farm forestry schemes amongst the public & banks. Agri. Universities/ KVKs
may give wide publicity.
2.1.5.3. Assessment of potential for the financial year 2024-25
Based on the trends at ground level potential, the projections for the financial year 2024-25 is
as under:
(₹ lakh)
Sl. Activity Unit PLP Projections 2024-25
No Unit Physical Financial Bank
Cost units outlay Loan
1 Farm Forestry-Casuarina ha. 0.71 250 178.51 151.73
2 Waste Land Devt-Eucalyptus ha. 0.65 133 85.79 72.92
3 Agro Forestry-Teak ha. 0.73 360 261.01 221.86
Total 525.31 446.51

The bank loan is arrived based on the practice followed by bankers. The Joint mandal wise and
activity-wise, physical and financial projections for the year 2024-25 are given in Annexure-I.

2.1.6. Animal Husbandry – Dairy

2.1.6.1. Status of the Sector
The livestock sector plays an important role in providing nutrition, food security and
livelihood to the poor. In the Anakapalli district 186096 cattle and 250402 buffaloes are
available. Out of which, the breedable female cattle and buffalo population is around 45% of
total animal population. The milk production in the district is 5.85 lakh MT (up to Dec 2022)
and stands 6th position in the State for the year 2022-23. The credit flow to the Dairy sector
during 2019-20, 2020-21 and 2021-22 were ₹329.92 crore, ₹9.91 crore (due to covid-19
pandemic) and ₹232.22 crore in the undivided district respectively.
2.1.6.2. Infrastructure and linkage support available, planned and gaps
i. The area under permanent pastures and other grazing lands is 1473 Ha. There are 13
Veterinary hospitals, 67 veterinary dispensaries and 26 Rural Livestock Units. In addition to
these, there are 6 mobile clinics available in undivided Visakhapatnam district.

20
 PLP FY 2024-25
Anakapalli District

ii. The Department of Animal Husbandry, Government of Andhra Pradesh, is continuing its
active role in the development of the sector. The Department has initiated efforts to implement
GoI’s National Livestock Mission. The GoAP has identified Dairy Sector as one of the growth
engines under the Primary Sector Mission and the State Government has plans to increase
milk production and its contribution to the District Gross Domestic Product considerably
iii. There are 446 Rythu Bharosa Kendras working in the district where Animal Husbandry
Assistants will provide services like primary health care services, preventive health care,
breeding services, Livestock loss compensation scheme, input supplies, pasu vigyana badi and
issue of Animal health cards.
iv. AP-AMUL Paala Velluva: The GoAP has proposed to sanction of incentive amount
of ₹4/- per litre by the Government to all milk pourers under AMUL Paala Velluva Scheme.
The incentive is expected to increase dairy activity and thereby bank credit in the district.
v. In consultation with all stakeholders NABARD has prepared Area Development Scheme for
financing of Dairy Units.
vi. Majority area of district covered by milk routes of Visakha dairy, Heritage dairy and other
local dairies.
vii. YSR Pashu Bima Pathakam: Under this scheme, compensation of ₹30,000/- per head
for Improved & indigenous breed and ₹15,000/- per head for non-Descript breed will be paid
to the eligible farmers in the event of death of Cattle / Buffaloes. The premium amount is
subsidised by the GoAP.
viii. Dr. YSR Sanchara Pashu Aarogya Seva: Mobile veterinary clinics to provide first
aid as well as other treatment to animals at the door step of the farmer. Further, the animal
would be transported for free of cost to the nearest clinic/hospital for better treatment, if
required. The Department is undertaking vaccination and deworming activities as per the
Health Calendar.
ix. The AH Department promotes production of perennial and annual fodder crops to improve
fodder resources. The department also supplies fodder seeds, chaff cutters and Total Mixed
Ration (TMR) through RBKs to farmers for better milk production.
2.1.6.3. Assessment of potential for the financial year 2024-25
Keeping in view the various initiatives taken by the Government to promote dairy, the
assessment of potential for the year 2024-25 is as under:
(₹lakh)
PLP projection 2024-25
Sl.
Activity Unit Unit
No. Phy. Units Fin. Outlay Bank Loan
Cost
1 CB Cows (1+1) No. 1.65 13100.00 21615.00 19453.50
2 CBC Mini dairy (5+5) No. 11.83 1525.00 18040.75 16236.68
3 GMB (1+1) No. 2.03 15500.00 31465.00 28318.50
4 GMB mini dairy (5+5) No. 13.44 1150.00 15456.00 13910.40
5 CBC Calf-Rearing No. 0.44 8125.00 3575.00 3217.50
6 GMB Calf Rearing No. 0.51 5000.00 2550.00 2295.00
7 Fodder Cultivation No. 0.33 24500.00 8085.00 7276.50
8 Vehicles For Gopal Mitras No. 0.7 800.00 560.00 504.00
9 Indig. Milk Products No. 10.1 68.00 686.80 618.12
10 Private Veterinary Clinic No. 3.1 31.00 96.10 86.49

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 PLP FY 2024-25
Anakapalli District

ZBNF Unit Non-descript 1+1 8 8.00 8.98 8.08

11
cows

12 KCC Loans for Dairy No. 0.70 5000 3500.00 3500.00

farmers (2 animal)
Total 105638.63 95,424.77

The joint mandal wise and activity-wise projections for the year 2024-25 are given in
Annexure – I.

2.1.7. Animal Husbandry – Poultry

2.1.7.1. Status of the Sector
As per the 20th Livestock Census, poultry population in the district is 33.66 lakh. There are
very few commercial layer and broiler units in the district. The total number of eggs produced
in the district during 2022-23 (upto December 2022) was 59.98 crore and stood 10 th position
in the state. The per capita availability works out to 347 eggs per person per annum which is
sufficient compared to the ICMR's recommended consumption of 180 eggs per person per
annum. Keeping in view of the climatic conditions, there is a good potential for establishment
of commercial broiler and layer units in the district. The credit flow to the Poultry sector during
2019-20, 2020-21 and 2021-22 was reported at ₹ 4351 lakh, ₹1722 lakh and ₹ 1829 lakh,
respectively in the undivided district. In the newly formed Anakapalli district, the credit flow
for poultry sector was reported as ₹ 1510.59 lakh.
2.1.7.2. Infrastructure and linkage support available, planned and gaps
i. Animal Husbandry Department is undertaking vaccination and deworming
programme for entire backyard poultry population and ducks as per Health Calendar.
ii. The Government has decided to establish one hatchery in every district with 100%
Government investment and support Mother units one per year per Animal Husbandry
division on the subsidy pattern of GoI norms to promote improved strains like
Vanaraja, Gramapriya in PPP for rearing chicks.
iii. There is a lot of demand for broiler meat in the district. The Department along with
poultry hatcheries may identify entrepreneurs to start broiler farms under contract
farming. As broiler rearing is taken up, there is scope for financing chicken meat outlets
in towns.
iv. Maize is the major ingredient in poultry feed. Hence its cultivation may be encouraged
in the district in collaboration with Department of Agriculture by linking the product
with the poultry feed units.
v. While small units are purchasing feed from custom feed mixing plants, big
commercial layer farms usually have their own feed mixing plants. However, hike in
prices of important ingredients of feed like maize and soybean etc. has affected the
industry to some extent.
vi. With Proactive Government Poultry policy and support from banks there is a scope for
growth in the sector in the district in coming years.

2.1.7.3. Assessment of potential for the financial year 2024-25

Considering the various initiatives/interventions of the Government viz., supply of rural
backyard poultry units, establishment of commercial layer/broiler units, etc., the assessment
of potential for 2024-25 is as under:

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 PLP FY 2024-25
Anakapalli District

(₹lakh)
PLP Projections 2024-25
Sl.
Activity Unit
No. Unit Physical Financial Bank
Cost units outlay Loan
Commercial Layer (No. of 506.67 5 2533.35 2153.35
1 No.
birds in lakh)
Commercial Broiler (No.of 1 lakh 400.00 10 4000.00 3400.00
2
birds in lakh) birds
3 Egg / Chick. Carts No. 0.25 80 20.00 17.00
4 Chicken Meat Outlet No. 10.00 61 610.00 518.50
Transport vehicle open No. 8.00 80 640.00 544.00
5
cages
6 Mobile Marketing unit No. 10.10 16 161.60 137.36
KCC Loans for Broiler No. 1.00 2000 2000.00 2000.00
7 (1000 birds) (1000
birds)
9964.95 8770.21
Total

The joint mandal wise and activity-wise, physical and financial projections for the year
2024-25 are given in Annexure-I.

2.1.8. Animal Husbandry– Sheep, Goat, Piggery, etc.

2.1.8.1. Status of the sector
As per the 20th Livestock Census 2019, the sheep, goat and pig population in the district are
1.61 lakh, 1.80 lakh and 0.04 lakh respectively. The estimated meat production in the district
during 2022-23 (up to December 2022) was 21,069 MT. Since, Sheep rearing is a traditional
activity in the district, many poor people are taking up the sheep and goat rearing as their main
profession. There is huge potential for sheep rearing.
2.1.8.2. Infrastructure and linkage support available, planned and gaps
i. Sheep and Goat co-operative Development Federation is working in the State and in
the district. 140 Primary Sheep Breeders Societies have been registered in the district,
enrolling 5291 sheep and goat rearers as members, with a view to develop local breeds
of sheep and goat, pasture lands, marketing facilities and educating breeders to adopt
latest technology in sheep and goat rearing on sound economic lines. District Sheep
Breeders Cooperative Union has also been formed in the undivided district.
ii. Breeding farms - There are no commercial sheep and goat breeding farms in the
district. Sheep growers normally select the breeding rams from their own flock which
is leading to inbreeding. This results in low birth weight, less growth rates and reduced
disease resistance.
iii. There are four registered slaughter houses in the undivided Visakhapatnam district.
There are no commercial pig breeding farms to produce quality piglets in the district.
iv. The Government of A.P. has introduced the Livestock Loss Compensation Scheme
(LLCS) in the name of YSR Pasu Bima Padhakam to pay compensation to the
farmers in the event to death of sheep/goat owned by all categories of farmers in the
State. Accordingly, all sheep and goat rearers/owners irrespective of caste of the
farmer, the compensation shall be payable when 3 and more sheep/goat owned by the
farmers die at a time on each occasion. The premium to be payable by the farmers is
subsidised by the GoAP.
v. The Animal Husbandry department is undertaking vaccination and deworming
exercises as per the Annual Health Calendar.

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 PLP FY 2024-25
Anakapalli District

2.1.8.3. Assessment of potential for the financial year 2024-25

Considering the growing demand for the sector the projections for the sector 2024-25 are as
under:
(₹ Lakh)
Sl. Activity Unit PLP projections 2024-25
No. Unit Physical Financial Bank Loan
Cost units outlay
1 Sheep Rearing (20+1) Nos. 2.21 620 1370.20 1233.18
2 Goat Rearing (20+1) Nos. 1.98 600 1188.00 1069.20
3 Ram Lamb Rearing Nos. 1.20 720 864.00 777.60
(Batch of 20)
4 Pig Fattening (10) Nos. 0.36 60 21.60 19.44
5 Others (Pig Breeding 3 Nos. 1.44 60 86.40 77.76
Sows)
6 Meat Outlets Nos. 5.10 145 739.50 665.55
7 KCC Loans for Sheep Nos. 0.39 2400 924.00 924.00
(20+1)
8 KCC Loans for goat Nos. 0.39 2400 924.00 924.00
(20+1)
Total 6117.70 5690.73

The Joint mandal wise and activity wise, physical and financial projections are given in
Annexure-I.

2.1.9. Fisheries
2.1.9.1. Status of the Sector
Fisheries sector is one of the important sectors in the socio-economic development of our
country. AP ranks first in total fish and shrimp production in India and contributes more than
70% of cultured shrimp produced in the country. The sector is providing employment
opportunities to nearly 26.5 lakh and contributing to 8.59 per cent of GVA. The State
government has initiated plans to make Andhra Pradesh the ‘Aqua Hub’ of the world.

It is another important economic activity of Anakapalli district. The fishermen population

living in about 25 fishery villages and hamlets on coastline stretching to a length of 60 KMs.
Covering 6 coastal mandals. About 20000 fishermen families to takeout their livelihood from
marine, inland and brackish water fishing besides catching fish living around Thandava,
Konam, Pedderu and Raiwada reservoirs. During the year 2022-23 (upto December 2022),
52,923 MT of fish & shrimp was produced in the district. There is scope for increasing fish
production particularly from marine and coastline.

Sl.No Product Production in Value in ₹ lakhs

. Tonnes (2019-20)
1 Barbus 83 54
2 Carps (Catla/Rohu/Mrigala) 29105 32016
3 Cat Fishes 37 46
4 Murrel 467 1635
5 Mullets NA 450
6 Prawns 6364 31820
7 Misc. 3682 2209
TOTAL 40048 68228

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 PLP FY 2024-25
Anakapalli District

2.1.9.2. Infrastructure and linkage support available, planned and gaps

i. Undivided Visakhapatnam is the hub for operation of large size fishing vessels. There
are 66 fish landing centres, 132 fisherman cooperative societies, 67 fish drying
platforms available. Three fish seed farms are available.
ii. Processing infrastructure – 14 ice plants, 37 cold storages and 15 processing plants
catering to the post-harvest management catering to the needs of fisheries sector .
iii. Eight PCR labs, 6 feed analysis labs and one soil water analysis and pathological lab
iv. Active SHGs and Women Cooperatives are playing a key role in post-harvest and
marketing activities.
v. Sagarmitras (71 Nos.) sanctioned under PMMSY will provide support to fishermen at
FLCs and Villages.
vi. The Department is headed by Deputy Director supported by Assistant Director and
Inspectors in the district. The department is implementing various non-marketing
and marketing schemes such as stocking of fingerlings in reservoirs, construction of
bio-flock ponds, fish kiosks, vehicles with ice box, live fish vending centres, etc. under
PM Matsya Sampada Yojana (PMMSY).
vii. The State Government is implementing “Y.S.R. Matsyakara Bharosa”, a
unique kind of scheme in the country. Under the scheme, the ex-gratia payable to
the deceased fishermen family has been enhanced to ₹10.00 lakh from ₹5.00 lakh
when active fisherman dies while fishing.
viii. Rythu Bharosa Kendralu: Government
established Rythu Bharosa Kendralu (RBKs) for supply of quality and certified inputs.
VFAs to provide fisheries services at RBKs.
ix. YSR Matsya Sagubadi: On the lines of Polam badi, YSR Matsya Sagubadi (Field
School) is conducted for on farm extension services by VFAs. Experts from KVKs,
SVVU, Scientist from ICAR Institutes will also provide advisories.
x. APSADA: A.P State Aquaculture Development Authority (APSADA): All aquaculture
operations and Aquaculture Business operations in the state are being planned,
promoted, monitored and regulated by the APSADA. APSADA also aims to monitor,
regulate and promote the supply of quality aquaculture inputs like seed, feed, feed
supplements, aqua chemicals, aqua products, medicines etc.
xi. AP Fish Feed (Quality Control) Act, 2020 was enacted to enforce Quality Standards
for Fish Feed being sold to aquaculture farmers in Andhra Pradesh State.
AP Aquaculture Seed (Quality Control) (Amendment) Act 2020 was enacted to
enforce the quality standards for Aquaculture Seed.

2.1.9.3. Assessment of Potential for 2024-25

Huge potential for deployment of institutional credit considering good network of tanks in the
district. Considering production level, seasonal operations and new projects, potential for the
year 2024-25 is as under:
(₹lakh)
Sl PLP Projections for 2024-25
.n Activity Unit Unit Phy. Fin. Ou
Bank Loan
o Cost Units tlay
1 Inland Fish Farming (New Nos. 7.50 28 210.00 168.00
Ponds / Tanks)
2 Fishing craft and gill nets Nos. 0.60 700 420.00 336.00
3 W.C. For Inland Fish / Scampi Nos. 7.41 115 852.15 681.72
Farming
4 Shrimp culture Nos. 26.91 80 2152.80 1937.52
5 Others (Aerators/Solar lights, Nos. 0.51 80 40.80 36.72
etc.)

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 PLP FY 2024-25
Anakapalli District

6 Mechanised Boats For Marine Ha 80.00 20 1600.00 800.00

Fisheries
7 Outboard Motors Nos. 1.00 70 70.00 56.00
8 Non-mechanised Boats Nos. 1.00 100 100.00 80.00
9 Nets Nos. 1.01 1000 1010.00 808.00
10 Replacement of engines Nos. 0.61 10 6.10 4.88
11 Fish vending vehicles with ice Nos. 0.75 360 270.00 135.00
boxes
12 KCC Loans for composite fish Nos. 3.90 100 390.00 390.00
culture
Total 7122.85 5433.84

The Joint Mandal wise/activity wise allocations for the year 2024-25 are indicated in
Annexure-I.

2.1.10. Farm Credit – Others, including Two Wheelers to Farmers

2.1.10.1. Status of the Sector
Small and Marginal farmers are still dependent on animal power for their agricultural
operations. The details of land holdings as per 10th Agriculture Census 2019 are indicated in
the District Profile. It can be observed from the data that 1.57 lakh ha (out of a total of 2.06
lakh ha) belongs to 3.75 lakh small and marginal farmers (out of 3.89 lakh farmers). Many of
the small and marginal farmers are using bullocks and carts for ploughing for self/hiring and
transport of produce from fields to markets.

2.1.10.2. Infrastructure and linkage support available, planned and gaps

i. The AH Department through their field level institutions is providing the requisite
health cover to the animals. Trained carpenters are available in the district for
manufacturing quality carts. Tyres and rims are supplied through dealers for tyre carts.
ii. 3.75 lakh MF/SF are depending upon the agriculture and there is a growing demand
for two wheelers from farmers for their day-to-day farming operations.
iii. Declining wood resources, lack of awareness about the tyre carts among the farmers
are major constraints. Further, rapid mechanisation of farm operations including
transport of sugarcane by lorries/ tractors hampers the rapid increase in the potential.
iv. The use of two-wheelers in the agriculture is increasing at a rapid pace particularly by
the Small and Marginal farmers. Most of the banks are extending to the farmers for
purchase of two-wheelers as ‘Kisan Bikes’ up to a maximum amount of ₹1.00 lakh. The
same is being used for transporting agriculture inputs and labor to the fields and
agriculture produce to the market.

2.1.10.3. Assessment of Potential for the financial year 2024-25

Considering the present status and trends in ground level credit, the projections are given in
the table hereunder:
(₹lakh)
PLP Projections 2024-25
Sl. Unit
Activity Unit Physical Financial Bank
No. Cost
units outlay Loan
1 Bullocks / Other Drought Animals Pair 0.50 320 160.00 144.00
2 Bullock Carts Nos. 0.55 320 176.00 158.00
3 Two wheelers No.s 0.85 1000 550.00 495.00

Total 886.00 797.00

26
 PLP FY 2024-25
Anakapalli District

The block-wise and activity-wise, physical and financial projections for the year 2024-25 are
given in Annexure-I. The bank loan arrived based on the practice followed by bankers.

2.1.11. Sustainable Agriculture Practices

2.1.11.1. Status of the Sector
Sustainable agriculture is a critical approach to farming that aims to meet the present needs
of farmers and consumers without compromising the ability of future generations to meet
their own needs. Andhra Pradesh has a predominantly agrarian economy, with agriculture
being a significant contributor to its GDP and employment. However, traditional agricultural
practices have often led to environmental degradation, resource depletion, and socio-
economic inequalities. By promoting environmentally friendly methods, maximizing resource
efficiency, and ensuring economic viability, the state has embraced sustainable agriculture to
improve food security, conserve natural resources, and support rural livelihoods.
Some of the major practices under Sustainable Agriculture Practices are as below:
1. Organic Farming
2. Minimum/Zero Tillage
3. Natural Farming
4. Integrated Farming Systems (IFS)
5. Multilayer farming
6. Agro Forestry
7. Technology Adoption for efficient use of resources
8. Climate Resilient Agriculture
Sustainable agriculture practices act as risk mitigation tools for the farmers, especially risks
arising out of Climate Change.

2.1.11.2. Infrastructure and linkage support available, planned and gaps

i. Since this is an emerging activity, there is no dedicated infrastructure and support available
from Govt. and banks. GoAP has been promoting Community based Natural Farming through
Rythu Sadhikara Samstha (RySS). A comprehensive product needs to be designed for
financing Sustainable Agriculture Practices, especially Climate Finance, for channelizing
credit flow to the sector.
ii. Indian Institute of Farming Systems Research (IIFSR), Modipuram and other ICAR
institutions have developed 51 integrated farming systems suitable to marginal and small
holders of 25 States/UTs of India. Location specific IFS models were also evolved by SAUs.
iii. IFS model for Visakhapatnam, Vizianagaram, and Srikakulam for 1 acre (4000 Sq M)

Farming System Area (Acre) BC ratio

Crops (Paddy, Papaya, Ridgegourd) 0.875 1.29
Animal Husbandry (2 Buffalo unit) 0.025 1.49
Farming System Area (Acre) BC ratio
Fodder crops 0.1 For own use
Composting and Vermiculture Using Concrete slabs For own use

Features of the Model:

a. Paddy is cultivated in 0.5 acre (2000 Sq M) in Kharif and Rabi season.
b. Papaya is cultivated in 0.375 acres (1500 Sq M). Papaya being a high value crop can
give good returns to the farmers in one year.
c. Ridge gourd is cultivated as intercrop in Papaya.
d. There is a Buffalo unit of 2 animals which ensures year-round income to farmers.
e. Paddy straw can be used as Dry fodder for the Buffaloes.

27
 PLP FY 2024-25
Anakapalli District

f. Fodder crops like Napier grass, Guinea grass can be cultivated in 0.1-acre (400 Sq M)
area which provides green fodder for the buffaloes. Green fodder and concentrates can
also be purchased from the market if required.
g. Dung from the buffaloes and crop residues from cropping system can be used for
composting and vermiculture which can be applied to crops in the next season.
h. This Model ensures efficient use of Labour.

2.1.11.3. Assessment of potential for the financial year 2024-25

The potential assessed for Integrated Framing System in the district for the year 2024-25 is
₹2658.24 lakh. Joint mandal-wise details are given in Annexure I.
(₹lakh)
Unit Projections for 2024-25
Activity Unit size
cost Physical Units TFO Bank Loan
Integrated Farming System Ha 2.08 1420 2953.06 2658.24

2.2. Agriculture Infrastructure

2.2.1. Construction of Storage and Marketing Infrastructure
(Warehouses, Market Yards, Godowns, Silos, Cold Storage Units/ Cold
chains)
2.2.1.1. Status of the Sector
Agricultural produce requires scientific storage and handling to minimize post-harvest losses
and to maintain quality of produce to suit market requirements. Farmers also need efficient
marketing arrangement for realizing fair and remunerative prices. The Government aims to
achieve food security through support price for procurement of food grains, better price
realisation to farmers, scientific storage and movement, maintenance of buffer stocks and
availability to public at reasonable prices under Food grains Management System (FMS).
Therefore, it is essential to develop right type of produce specific marketing and storage
facilities at various locations, which are accessible to farmers and primary processors. The
infrastructure for storage and marketing may be storage Godowns for crops i.e., paddy, maize,
etc.; cold storage facility for fruits, vegetables fish and chilling units for milk products, etc. In
addition to agricultural produce, there is a considerable demand for storing agriculture inputs
such as seeds, fertilizers and pesticides. The major crops grown in the district are Paddy,
Groundnut, Maize and vegetables etc. Storage facilities play a pivotal role in marketing of the
agriculture produce. Market surplus agriculture products in Godown for a short period can
before marketing or processing would yield good prices. There is scope for private investment
in storage units, as the storage infrastructure network in the district is yet to develop.
2.2.1.2. Infrastructure and linkage support available, planned and gaps
i. The GoAP has estimated a storage capacity of 2.56 lakh MT in the undivided
Visakhapatnam district and the same is sufficient for storage of food grains and other
products.
ii. However, the landholding pattern indicates that 96% of the landholdings are small viz.,
less than 2 ha category. This is one of the reasons for the lower potential for
construction of Godowns through private investment.
iii. Anakapalli district has one godown of 10000 MT capacity at Parawada and no Cold
storage available as on 31.03.2020. Few numbers of small Cold storages are available
with FPOs for storing of fruits and vegetables.
iv. NABARD provides financial assistance to the State Govt., State Owned Agencies, and
Producers Organizations for construction of Rural Godowns, Cold Storages and Agri.
Marketing infrastructure in the State under Warehouse Infrastructure Fund (WIF).

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Anakapalli District

v. Rythu Bazaars - With a view to giving boost to vegetable cultivation, the State Govt.
has introduced the concept of Rythu Bazar, where farmers sell his produce directly to
the consumers.
vi. Primary Agricultural Credit Societies functioning in the district have small godowns of
50-100 MT. These Godowns are mostly used for storing fertilizers or food grains.
These godowns could be a good source of quality space for rural produce.
vii. There are 13 Godowns under the Agriculture Marketing Committees of the district with
a storage capacity of 9,522 MTs out of which 07 Godowns with a storage capacity of
5,090 MTs was occupied till December 2022.
viii. During 2020-21, NABARD sanctioned 09 Godowns to PACS with storage capacity of
500 MT each. As on date, construction is complete w.r.t 03 Godowns and remaining
06 Godowns are under construction. Under PACS as MSC Special Refinance Scheme
of NABARD, refinance has been sanctioned to 09 PACS for construction ofGodownss
and drying yards in the district.
ix. GoAP has launched eFARMARKET electronic trading platform to facilitate online
trade between farmers and traders. The platform networks the entire State of Andhra
Pradesh and intends to create a unified state online market for agricultural
commodities.
2.2.1.3. Assessment of potential for the financial year 2024-25
Considering the above factors, the potential assessed for the year financial year 2024-25 is as
under:
(₹lakh)
PLP Projections 2024-25
Sl.N
Activity Unit Unit Physical Financial Bank
o.
Cost units outlay Loan
1 Storage Units 100 MT 8.50 48 408.00 346.80
2 Cold Storage Units 10 MT 15.00 14 210.00 178.50
3 Milk Chilling Plants Nos. 15.00 40 600.00 510.00
Milk Transport Nos.
4
Vehicles/Tankers 25.00 16 400.00 340.00
Ripening Chambers (60 Nos.
5
MT) 60.00 10 600.00 510.00
6 Pack Houses Nos. 4.00 12 48.00 40.80

Total 2266.00 1926.10

The block wise and activity wise, physical and financial projections for the year 2024-25 are
given in Annexure-I. The bank loan arrived based on the practice followed by bankers.

2.2.2. Land Development, Soil Conservation and Watershed Development

2.2.2.1. Status of the Sector
Land development comprises all the activities undertaken by the farmers to improve
productivity of land, to prevent erosion and to improve land quality. Rainfed areas suffer
severely due to erratic and high intensity rainfall. Conservation of soil and water is crucial for
increasing crop production, productivity, food and sustainable livelihood security in rural
areas. Performance of agriculture and allied sectors depends on how efficiently and effectively
private and public sector investments are flown into soil and water conservation infrastructure
development.
Barren and uncultivable land is 61,753 ha and cultivable waste is 6,793 Ha. Red Loamy soils
predominate with a coverage of 69.9% of the villages of the district. The Soils are poor textured
and easily drained. Sandy loamy soils come next with 19.2% villages coverage, largely confined
to the coastal areas of Nakkapalli, Payakaraopeta, S.Rayavaram, Rambilli, Atchutapuram and
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 PLP FY 2024-25
Anakapalli District

Paravada Mandals and to certain stretches in the interior Mandals of Chodavaram,

Narsipatnam, K.Kotapadu and Madugula. Black cotton soils come up next having sizeable
chunks of area in K.Kotapadu, Devarapalli and Cheedikada Mandals. Natural farming taken
up in 22,942 farmers in 15,574 mainly in paddy, sugarcane, blackgram, greengram and
sesamum.
2.2.2.2. Infrastructure and linkage support available, planned and gaps
i. GOI/GOAP interventions for promotion of Land Development, soil conservation and
watershed development viz. Soil and water conservation programmes, promotion of
Organic Farming and Natural Farming, Supply of seeds to all category of farmers.
ii. NABARD has taken various initiatives for creating awareness on importance of saving
water through “Water Campaigns” based on PM’s “Man Ki Baat” message. In the
district, six Water Conservation and Management Awareness Programmes were
conducted which caught attention of the people on the requirement for judicious use
of water for the benefit of present and future generations.
iii. The consumption of fertilisers distributed in the year 2021-22 was 30,000 tonnes of
Urea, 8750 tons of DAP, 7000 tons of Complex, 5250 tons of MOP and 4500 tons of
SSP in the undivided district.
iv. The Seed Replacement Rate (SRR) of major crops in tribal mandals of the district is
very low. The SRR in case of Paddy is around 42-45% in the district.
v. Soil testing laboratories are available in Narsipatnam, Rambilli and Anakapalle in the
district. (Source: www.farmer.gov.in). GOAP is issuing Soil Health Cards. Based on
the cards, nutrient application will reduce induction of unnecessary nutrients, which
reduce the cost of cultivation and increase the soil health. 7,413 soil tests were
conducted during 2021-22 in the undivided district and advised to farmers
accordingly.
vi. AGRILABs constructed with NABARD RIDF financial assistance in 6 mandals in the
district.
vii. Government of Andhra Pradesh Programmes
(a) Soil and water conservation programs to improve soil feasibility, capacity
building in judicious use of ground water and water conservation and to uplift the
livelihoods to tribals in coastal districts.
(b) Andhra Pradesh Community Managed Natural Farming (APCNF): The
Govt. of Andhra Pradesh has been implementing Natural Farming program in the
district. Awareness programs are being conducted across the district through
experienced staff exclusively recruited for the purpose.
(c) Besides Urea, DAP and Potash, the Govt. is also supplying micro nutrients such as
Zinc, Boron and Gypsum to farmers in the district.
(d) The Department of Agriculture is providing quality seeds of different varieties to
farmers in the district.
(e) The Government of Andhra Pradesh has availed RIDF financial assistance for the
establishment of Integrated Agri. Labs at Mandal and State level under RIDF-XXV. 06
Agriculture labs have been established at each Assembly Constituency.

2.2.2.3. Assessment of potential for the financial year 2024-25

Keeping the various initiatives taken by the government to improve the productivity of land,
the assessment of potential for the period 2024-25 is as under:
(₹lakh)
Sl. Activity Un PLP Projections 2024-25
No. it Phy. Units Fin. Bank
Unit Cost
Outlay Loan
1 Land Reclamation ha. 0.45 1600 720.00 648.00
2 Farm Ponds (14m x Nos 0.82 1600 1312.00 1180.80
14m x 2.5m) .

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 PLP FY 2024-25
Anakapalli District

3 Soil improvement by 0.65 3950 2575.72 2318.15

ha.
Silt App.
4 Land Levelling ha. 0.40 3500 1400.00 1260.00
Total 6007.72 5406.95

The joint mandal-wise and activity-wise, physical and financial projections for the year
2024-25 is given in Annexure-I. The bank loan arrived based on the practices followed by
bankers in the district.

2.2.3. Agriculture Infrastructure – Others

2.2.3.1. Status of the Sector
Land productivity enhancement through use of organic manures, bio fertilizers, compost etc.,
goes a long way in sustaining the production and productivity levels of crops. Further, good
quality seed and plant propagules play a crucial role in realizing the productivity of various
crops. The availability of quality inputs – seed material, bio-fertilizers, and bio-pesticides - is
critical for enhancing the productivity of crops, which also calls for increasing the flow of credit
for bankable activities identified under Agri infrastructure – others viz., NADEP compost
making units, vermi-compost making units, Bio-fertiliser & Bio-pesticide units, Seed
processing units, Tissue culture units etc.

i. Tissue Culture: The GoAP is providing a subsidy to banana tissue culture through the
Department of Horticulture @ 40% of the cost of plant material to all farmers up to one ha
under area expansion scheme. Considering these aspects, there is a good potential for
establishment of tissue culture infrastructure through bank credit in the district.
ii. Seed Production & Processing activities: The Seed Village Programme ensures
supply of quality certified seed of notified varieties to the farmers in time at affordable prices
besides ensuring quick multiplication of new seed varieties in a shorter time. Therefore, there
is a good potential for establishment of a few seed processing units.
iii. Bio-pesticides/Fertilizers: The present-day intensive agriculture practices have
resulted into soil fatigue and gradual deterioration of soil health. In view of this, the emphasis
now is to restore soil health by reducing the use of chemical inputs and increasing the use of
biological and organic inputs. Thus, there is a need to augment the infrastructure for
production of quality organic and biological inputs. The abundant raw material available for
establishment of bio-fertilizers/pesticide units offers a good scope with the bank credit.
iv. Vermicomposting: Application of vermicompost and NADEP composting manure,
supplying nutrients and growth enhancing hormones to plants, improves the soil structure
leading to increase in water and nutrient holding capacities of soil that in turn has direct
correlation to the productivity of crops. This can be taken up by individuals for captive use
and on commercial basis where there is a huge potential for preparation of organic manures
to replace the present demand of fertilizers. There is a potential to establish compost units in
the district as the Department of Agriculture, Sericulture and Horticulture are creating
awareness on organic cultivation and promoting in a big way by providing inputs as well as
technical support.

2.2.3.2. Infrastructure and linkage support available, Planned and gaps

i. Inadequate availability of quality seeds, planting material and germplasm are

presently a major constraint limiting productivity. Supply of quality seeds is, therefore,
essential for increasing productivity of crops and total agricultural production.

Availability of abundant raw material for composting. Agriculture and Horticulture

Departments are promoting vermi-compost by providing subsidy and propagating extensive

31
 PLP FY 2024-25
Anakapalli District

use of bio-fertilizer to increase their efficiency and to reduce the use of chemical fertilizers.
They are conducting various awareness programmes in Rythu Bharosa Kendras.
The district has officials from Agri department, RARS, KVK, and a few NGOs who conduct
various awareness/capacity building programmes on an ongoing basis about steps required
for conservation of fertility of land.
Seed village programme is implemented in 32 villages with seeds of Paddy, groundnut, green
gram and black gram.

2.2.3.3. Assessment of potential for the financial year 2024-25

Keeping in view the various schemes of GoI/GoAP and the potential in the district, the
projections for the credit potential for the year 2024-25 is as under:
(₹lakh)
PLP Projections 2024-25
Sl.
Activity Unit Unit Physical Financial
No Bank Loan
Cost units outlay
Seed Processing - 5 TPH - P&M 50.00 14 700.00 525.00
1 ha.
with all assemblage
Bio-Fertilizers/Pesticides 213.00 4 852.00 639.00
2 Nos.
Production unit (200 tpa)
3 Vermi hatchery (250 tpa) Nos. 14.89 34 506.28 379.71
4 Vermi compost - mini (20 TPA) Nos. 3.41 415 1415.16 1061.37
5 NADEP Compost Nos. 0.18 450 98.83 74.12
Fruit and Vegetable Waste / Agro Nos. 45.00 8 360.00 270.00
6 Waste Compost Production Unit
(100 tpd)
Total 3932.27 2949.20

The Joint mandal wise and activity-wise, physical and financial projections for the year
2024-25 are given in Annexure-I. The bank loan arrived is based on the practices followed by
bankers.

2.3. Agriculture – Ancillary Activities

2.3.1. Food and Agro Processing
2.3.1.1. Status of the Sector
Andhra Pradesh, being an agrarian state with more than 60% of the population engaged in
agriculture and allied sectors, there is immense scope for food-processing in the State.
As per the Priority Sector Lending guidelines issued by RBI, bank loans to food and agro
processing units will form part of Agriculture. Loans for Food and Agro Processing up to an
aggregate sanctioned limit of ₹100 crore per borrower from the banking system will be
classified under Agriculture-Ancillary activities.
The major horticulture/plantation crops grown in the district include Sugarcane, Cashew,
Mango, Coffee, Turmeric, Papaya and various vegetables which have good potential for
secondary processing and value addition.
The lack of adequate agro-processing facilities leads to post-harvest losses, (estimated at 25 to
30%) and uncertainty of income realization. Besides horticulture crops, the processing and
value addition in dairy and meat is also not commensurate. The district offers potential for the
development of Agro and Horticulture based industries like the processing of fruits viz. mango
pulp, mango beverages, tomato paste, banana chips/powder/paste, cold pressed groundnut
oil, peanut butter, etc. There is also potential for meat processing units considering quality
sheep/goat breeds available in the district.

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 PLP FY 2024-25
Anakapalli District

2.3.1.2. Infrastructure and linkage support available, planned and gaps

i. Availability of raw material for food processing in the district especially fruit crops with
the production, vegetables, coffee, cashew and sugarcane is high. Government of India
in consultation with State Government identified Sugarcane under One District One
Product for Anakapalli district.
ii. The major crops identified for development in the cluster are cashew, mango,
sugarcane and coconut. GoAP has released Food Processing Policy 2020-25, with a
thrust on agro-processing clusters, secondary food processing units, micro food
processing units, food testing labs, skilling, meat/dairy/aqua processing, etc.
iii. GoAP, as part of its Food Processing Policy 2020-25, intends to develop Secondary
Food Processing ready to operate plug & play units in each Parliamentary Constituency
in Andhra Pradesh.
iv. APFPS has been designated as the State Nodal Agency for the implementation of the
PMFME scheme in the State.
v. GoAP enacted the Industrial Single Window clearance for Food Processing Units under
Industrial Development Policy 2023-27.
vi. GoAP has released AP Logistics Policy 2022-27, to address infrastructure gaps in
logistics and supply chain in the State. Developing Cold Chain and other logistic
networks would facilitate the Food Processing Industry.
vii. Low-capacity utilisation due to lack of availability of raw materials throughout the
year.
viii. Crop varieties are tailored for table purposes and when used for processing the product
recoveries tend to be low.
ix. Processing centres are situated around cities and towns which entails the
transportation of raw material from distance centres resulting in higher transportation
costs.
x. Lack of storage infrastructure and cold chain marketing facility for both fresh and
processed commodities.
xi. Marketing of the products and raw materials is still through traders.
xii. GoI is supporting the sector through various schemes such as Operation Greens and
PMFME.
xiii. Good logistics – Good Road network including National Highway, railway network,
nearby international airport, etc.
xiv. Availability of manpower, presence of Horticulture and Agriculture Research
Institutions, the gaps in the infrastructure include lack of cold storage facilities,
suppliers of plant and machinery, etc.
2.3.1.3. Assessment of potential for the financial year 2024-25

Potential assessed for lending to the Food & Agro Processing Sector, keeping in view of the
special focus of the State and potential for the exponential growth of agro-processing units
during 2024-25 is as under:
(₹ lakh)
PLP Projections 2024-25
Sl.
Activity Unit Unit Phy. Fin. Bank
No.
Cost units Outlay Loan
Small units under agro-based and Nos. 9.10 400 3640.00 2912.00
1 food-based industries including
rice/flour/dal mills and bakery units
Medium and large units under agro- Nos. 31.00 160 4960.00 3968.00
2
based and food-based industries
3 Fruit and Vegetable processing Nos. 11.00 39 429.00 343.20
4 Feed Mixing Plant Nos. 16.00 16 256.00 204.80
Activity Unit PLP Projections 2024-25

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 PLP FY 2024-25
Anakapalli District

Sl. Unit Phy. Fin. Bank

No. Cost units Outlay Loan
5 Fish /Prawn Processing Nos. 30.00 30 900.00 720.00
6 Cashew nut Processing Nos. 15.00 90 1350.00 1080.00
7 Spices Processing Nos. 1.00 5 5.00 4.00
8 Seed processing plant Nos. 1.60 14 22.40 17.92
9 Fish Processing units (WC) Nos. 100.00 4 400.00 320.00
10 Jaggery Powder Making Nos. 1.00 97 97.00 77.60
11 Working Capital Amt 800 1700.00 1360.00
Total 13759.40 11007.52

The block-wise and activity-wise, physical and financial projections for the year 2024-25 are
given in Annexure-I. The bank loan is arrived based on the practices followed by bankers.

2.3.2. Agri Ancillary Activities – Others

2.3.2.1. Status of the Sector
As per the revised Priority Sector guidelines issued by Reserve Bank of India, the following
activities are eligible under Ancillary activities:
a. Loans to Cooperative Societies of farmers for disposing of produce of members
b. Loans for setting up of Agri Clinics and Agri Business Centres
c. Loans to Primary Agricultural Cooperative Societies (PACS), Farmers Service Societies
(FSS), Large Sized Adivasi Multi-Purpose Societies (LAMPS)
d. Loans sanctioned by banks to MFIs for on lending to agriculture sector
e. Loans to Farmers Producers Organisations, etc.
a. Agri Clinics and Agri Business Centres: Although there is a good potential for the activity in
the State, considering establishment of Rythu Bharosa Kendralu (RBK) at Panchayat level by
Government of Andhra Pradesh, there is still potential for establishment of ACABCs in the
district, which helps in penetration of extension services to the grassroots.
b. Primary Agricultural Credit Societies (PACS) and Farmers’ Service Societies (FSS) are an
integral part of the cooperative credit structure. PACS undertake activities under credit and
non-credit business. The non-credit business undertaken by the PACS in the district is very
limited.
c. In order to boost the flow of bank credit to FPOs, the RBI has included lending to FPO by
commercial banks and Regional Rural Banks under Priority Sector. The credit potential in the
sector has not been fully harnessed by the banks.

2.3.2.2. Infrastructure and linkage support available, planned and gaps

i. The district agriculture officers, KVK, RARS and RBK personnel are involved in
providing extension services to the farmers on ongoing basis. Though there is potential
for establishment of AC/ABCs, the response has been lukewarm. Government
institutions like MANAGE may address the lukewarm response to the Scheme by
taking lead in identifying potential entrepreneurs and guiding them in setting up own
unit.
ii. The district has potential for Soil and input testing service centres, farm machinery
hiring services, e-trading, agri. Extension etc., under the scheme.
iii. Proactive policies of government giving priority in allocating CHC equipment and a
part of ATMA work to agripreneurs.
iv. In addition to MFIs, there are good number of Mutually Aided Cooperative Thrift
Societies (MACTS) operating in the district with considerable membership and taking
up thrift and credit activities, including extending credit for agricultural and allied
activities. Discussions with some of the MACTS point out to existence of potential to

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 PLP FY 2024-25
Anakapalli District

extend credit to the MACTS to enable them to on-lend to their members. Though no
information on exact number of such MACTS and their activities is available, informal
discussions suggest there could be a potential of ₹5 to ₹10 crore.
v. PACS has potential to undertake multifarious activities over and above the usual
lending activity to become a 'one stop shop’ for meeting other than credit needs of the
farming community. To saturate all the potential PACS for conversion as Multi Service
Centres over a period of three years commencing from the year 2020-21, NABARD is
providing Special Long Term refinance facility to StCBs at 3% to provide funds to PACS
at 4%. GoI is extending 3% interest subvention, therefore the ultimate ROI to PACS is
only 1%. NABARD is extending Special Refinance Support aiming at enabling PACS to
create quality infrastructure (capital Assets) and increase their business portfolio in
tune with needs of members. Under PACS as MSC Special Refinance Scheme of
NABARD, refinance has been sanctioned to 09 PACS for construction of Godowns and
drying yards in the district.
vi. Besides 15 FPOs promoted by NABARD in Anakapalli district, there are also FPOs
promoted under APRIGP promoted by SERP and Department of Horticulture under
RKVY. With a good number of FPOs proposed to be promoted by various Promoting
Institutions including the State Government Departments, banks may actively engage
with these societies and extend both term loans and working capital loans for taking
up the activities by the FPOs. Further, banks may also identify the existing
organisations, which are helping farmers in aggregating their produce and marketing
the same and consider extending credit to such organisations. Regarding credit linkage
of FPOs, NABKISAN, a subsidiary of NABARD, may be approached in addition to
bankers.

2.3.2.3. Assessment of Potential for the financial year 2024-25

Keeping in view the above, the credit potential assessed under the sector is as under:
(₹lakh)
Sl.No. Activity Unit PLP Projection 2024-25
Unit Phy. Fin. Outlay Bank Loan
Cost Units
Loans To Coop. Societies 36.00 15 540.00 540.00
1 Nos.
Of Farmers/FPOs
Agri-Clinics And Agri 21.00 5 105.00 105.00
2 Nos
Business Centres
Loans to distressed 0.20 4000 800.00 800.00
3 persons to prepay loans to Nos.
non-institutional lenders
Loans To mfis For On- 100.00 12 1200.00 1200.00
4 Nos.
Lending
2645.00 2645.00

The block-wise physical and financial potential for the year 2024-25 is given in Annexure-I.

35
 PLP FY 2024-25
Anakapalli District

Chapter 3

CREDIT POTENTIAL FOR MICRO, SMALL AND MEDIUM ENTERPRISES

(MSME)
3.1. Status of the Sector
The district has a total population of 17.27 lakh with a total workforce is 8.24 lakh. There are
105 major industries working in the district with investment of ₹27588.15 crores providing
employment to 47,090 persons. Another 37 are under implementation with an investment of
₹47629.5 with an employment generation potential of 69,076 persons. Major industrial
products include Chemicals, Sugar, Pharmaceuticals, bulk drugs & API, Apparels, Cement etc.
There are 3595 existing MSMEs, producing Light weight Bricks, Plastic Containers, Fly ash
bricks, Solar panels, Cold Storage, Industrial Testing Laboratory, Printing Press, Tourism,
Readymade Garments, Batteries etc. Out of the 221 MSMEs under implementation, the
notable products are Heavy Structural Fabrication, Automobile Service/ Repair, Air
conditioner Service/ Repair, Cold Storage, PVC products, cold storage, Fal-G bricks, GI-roof
sheets etc.

3.2. Infrastructure and linkage support available planned and gaps

The District Industries Centre is the nodal agency for the industrial development in the
district. It is coordinating the single window system for obtaining necessary clearances. DIC is
also implementing the scheme for dispensation of Government subsidy for setting up of
industries. Apart from the above, the implementation and monitoring of PMEGP scheme is
being undertaken by DIC.
a. A.P. Special Economic Zone: Govt. of India accorded permission for SEZ in Anakapalli
district under public private participation in 9200 acres of land in Atchuthapuram and
Rambilli Mandals. Major line of activities is manufacturing of Ferro alloys, Gas & CNG
Cylinders, Intermediate & fine chemicals and bulk drugs & Automobile Gases.
b. Jawaharlal Nehru Pharma City has been developed by Ramky Group with APIIC in 2120
acres with a project cost of ₹292 crore at Parwada to promote Bulk Drug, Pharma and
chemical industries.
c. Brandix Apparel City is a textile-based SEZ covering 1,000 acres. The aim of this project
is to provide 60,000 local jobs and presently providing around 18000 jobs.
d. The power requirements of the district are being met from Hydro power stations apart
from Thermal and Renewable energy. The Rural Electrical Coop. Society (R.E.C.S) with
its headquarters at Kasimkota is fulfilling the power requirements of rural areas in the
Mandals of Anakapalli, Kasimkota, Parawada, Munagapaka and Sabbavaram. The rest of
the district is taken care by APEPDCL Ltd., Visakhapatnam.
e. Anakapalli is well connected with all modes of transport including air connection through
nearby Visakhapatnam International Airport to international destinations.
f. Tourism and hotel industry is well developed and the State Government has mega plans to
further develop the district as a tourist hub.
g. The upcoming Infrastructure Development in the district includes Smart City status,
International Convention Centre, Indian Institute of Management, Indian Institute of
Packaging Technology and Greenfield International Airport.
h. The existing water supply system is inadequate to cater to the rapid industrial development
in and around Visakhapatnam. Visakhapatnam Industrial Water Supply Scheme is
proposed to extract 175 MGD of water from River Godavari. There is a scope to exploit
groundwater potential also. Improvement in continuous power supply for the industrial
sector.
i. One District One Product (ODOP): Under ODOP, Etikoppaka Wooden Lacquer Toys
is identified for promotion due to its uniqueness and its market potentiality in terms of

36
 PLP FY 2024-25
Anakapalli District

domestic and international export opportunities. Etikoppaka toys received Geographical

Indication (GI) tag in 2017.

Etikoppaka Toys
Etikoppaka Toys are one of the finest wooden lacquered crafts. It is an age-old
tradition from the region. The craft is said to have been practiced since 18th century.
The name of craft is derived from the village called “Etikoppaka” which is situated
on the bank of River Varaha in the Taluk Yelamachalli in Anakapalli district in
Andhra Pradesh.
The making of Etikoppaka Toys employs “Ankudu Karra” which is grown in the
nearby local forests which is around 30-40 Km from Etikoppaka. It is a soft wood,
easy to work with, withstands working heat, takes polish well, gives a good finish and
offers no loss of material right from seasoning to finished product. These qualitative
characteristics of the wood make them a unique for crafting of toys
The way of colouring the toys while it keeps moving on a lathe machine is very unique
to Etikoppaka toys. It requires a great amount of human skill to deliver the finish
product i.e. Etikoppaka Toys. The wooden log is attached to the heat generated
makes the lac soft and adhere to the product. After drying, the product is given a
smooth finish. The craftsman later rubs the product with Mogule leaves which
impart a brilliant shine

Owing to the geographical advantages and unique craftsmanship developed over

centuries, Etikoppaka toys have been accorded Geographical Indication in 2017.
NABARD has sponsored participation of number of artisans from Etikoppaka in
various exhibitions at National level and State level.

j. Exportable Products: The exportable products identified for the district are Bulk Drugs
and Pharmaceuticals, Etikoppaka Wooden lacquer Toys and Coir products.
k. Clusters identified and proposals submitted: Etikoppaka wooden lacquer toys
cluster at Etikoppaka village, Yelamanchili Mandal; Coir Products Cluster at Koruprolu
Village, S.Rayavaram Mandal; Brass Metal Articles Cluster at Kanchara Street, K.Kotapadu
Mandal; Pickles cluster at Haripalem Village, Atchuthapuram Mandal.
l. Potential Sectors in the District: Bulk drugs and Pharmaceuticals, Chemical Industries,
Cement grinding units, Agro and food based Industries, Sea food processing and Coir Products
m. NABARD is supporting for conducting various Skill Development Programmes through
RSETI and NGOs in the district as per the requirements of local needs. NABARAD is also

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 PLP FY 2024-25
Anakapalli District

providing grant for conducting various training programmes like MEDP/LEDP to SHGs/JLGs
for increasing their skill and to take up micro enterprises in the district.
3.3. Assessment of Potential for the financial year 2024-25
Keeping in view the immense industrial potential, presence of MSME clusters and change in
the definition of MSME sector, the potential for MSME sector for the year 2024-25 is projected
as under:
(₹lakh)
PLP Projections 2024-25
Sl.
Activity Unit Unit Phy.
No. Fin. Outlay Bank Loan
Cost Units
A TERM LOANS
Manufacturing
(a)
Sector Enterprises
1 Micro industries Nos. 28.00 1150 32200.00 24150.00
2 Small industries Nos. 275.00 723 198825.00 149118.75
3 Medium industries Nos. 950.00 30 28500.00 21375.00
Service Sector
(b)
Enterprises
1 Micro industries Nos. 12.00 300 3600.00 2700.00
2 Small industries Nos. 60.00 300 18000.00 13500.00
3 Medium industries Nos. 600.00 100 60000.00 45000.00
B Working Capital
Manufacturing
(a)
Sector Enterprises
1 Micro industries Nos. 17.00 3000 51000.00 40800.00
2 Small industries Nos. 70.00 1500 105000.00 84000.00
3 Medium industries Nos. 650.00 30 19500.00 15600.00
Service Sector
(b)
Enterprises
1 Micro enterprises Nos. 7.50 1800 13500.00 10800.00
2 Small Nos. 35.00 800 28000.00 22400.00
3 Medium enterprises Nos. 120.00 100 12000.00 9600.00
Total 585391.70 439043.75

The block-wise and activity-wise, physical and financial projections for the year 2024-25 are
given in Annexure-I.

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 PLP FY 2024-25
Anakapalli District

Chapter 4
CREDIT POTENTIAL FOR EXPORT CREDIT, EDUCATION AND
HOUSING
4.1. Credit Potential for Export Credit
4.1.1. Status of the Sector
Under export financing, banks provide loans to the exporters at two stages. The first one is
Packing Credit (PC) for working capital to purchase raw materials, processing, packing,
transporting, and warehousing goods meant for export. The second stage namely, Post
Shipment (PS) finance was provided by the banks against the shipping documents after
liquidating the PC advances. As per the revised priority sector guidelines, Export Credit will
be allowed to be classified as priority sector subject to bank loans sanctioned up to ₹40 crore
per borrower.
Andhra Pradesh is among the top five exporting states of India. It contributes 5.8% of national
exports and Exports will be doubled by 2030, increasing State share to 10%. It has extensive
coastline with access to seaports, and thus has huge potential to promote exports from the
State. Anakapalli district has a coastline of about 60 kms along the mandals of Paravada,
Atchuthapuram, S. Rayavaram, Rambili, Nakkapalli, Payakarao peta. However, majority of
exports are done through Visakhapatnam Seaport.

4.1.2. Infrastructure and Linkage Support available, Planned and Gaps

i. Government of India has set a target of reaching USD 1 trillion in exports of goods by
2025. To reach the merchandise exports target of USD 1 Trillion, India should grow at
a CAGR of ~36%. Andhra Pradesh contributes 5-6% of Indian exports (USD 22.88 Bn
in 2021-22), with this growth rate AP will be exporting goods worth USD 22.4 Bn
contributing 2.2% of India’s 2025 export target.
ii. District as export hub: State Action plans for exports of identified products from
each district have been prepared. The Champion sectors and Aspiration sectors are
identified and the targets for sectors have been set till 2025. Etikoppaka Toys, Drugs,
Shrimp &Marine Fish products etc. are identified from the Anakapalli district for
export
iii. Government of Andhra Pradesh has focused on the high growth export potential areas
such as shrimp and other marine products, processed food products, spices -
horticulture - agriculture products. In this connection, the State Government has put
in place Incentive schemes for these sectors:
a. Shrimp and other Marine products – mechanism for traceability of
Seafood growers would be placed to track, test and certify the seafood produce
at Farm level, Hatchery level and Port level. Capital subsidy to the extent of
35% for setting up cold storage/chain for Marine exports has been provided
with a maximum capping of ₹5.00 crore. Also, the GST applicability has been
slashed from 18% to 5%.
b. Spices, Horticulture & Agriculture products – For transportation of
products for export purpose the road transport cost shall be reimbursed up to
50% with a capping of ₹10 lakh per unit.
iv. The district has a road length of 3452 KMs, of which National Highway runs to a length
of 77.26 Kms. State Highways at a length of 358.2 KMs and balance forms the roads
maintained by Roads and buildings, Zilla Praja Parishad and Mandal Praja Parishad.
Coastal Export Zone (CEZ) covering Visakhapatnam, Gangavaram and Kakinada
Ports. In Atuchtapuram Special Economic Zone of 3213 Ac. for Multi products exports.
There is good number of branches of the banks dealing with Forex.
v. GoAP Initiatives: A.P. Export Promotion Policy (APEX) 2022-27 has been
formulated with cluster development programme and various incentives such as

39
 PLP FY 2024-25
Anakapalli District

subsidy for reefer vehicles, participation in Trade Fairs, ZED Scheme,

awards/recognition for exporters, etc. Further to promote exports, Mango, Banana and
Vegetable farmers are being registered in APEDA Hortinet website.

4.1.3. Assessment of Export Credit Potential for 2024-25

Since there is a sizeable potential in the Anakapalli district, the credit potential is projected as
under:
(₹lakh)
Sl. PLP Projections 2024-25
Activity Unit
No. Unit Cost Phy. Units Fin. Outlay Bank Loan
Pre Shipment /
1 Nos. 1500.00 6
Packing Credit 9000.00 7200.00
2 Post Shipment Nos. 3500.00 30 105000.00 84000.00
Total Export
Credit 114000.00 91200.00

The Joint Mandal-wise and activity-wise, physical and financial projections for the year 2024-
25 are given in Annexure-I.

4.2. Credit Potential for Education

4.2.1. Status of the Sector
Education and literacy levels are vital indicators of development in any society. The quality of
education determines the quality of human capital and a lot more effort needs to be made to
improve the spread of education through enrolment and by improving the quality of education
in both Government and Private Schools. Education loans are one of the best performing
assets for the banks. With the inclusion of such credit under Priority Sector Lending norms by
RBI, it will not only encourage the banks to lend in the education sector but also fulfil their
PSL obligations.

Population & Literacy – 2011 Census (lakh)

Population
Particulars Literacy%
Rural Urban Total
Andhra Pradesh 347.76 146.10 493.86 67.4% (population>6 years being 297.72
lakh)
Anakapalli District 14.77 2.50 17.27 60.55%

According to NITI Aayog’s Multi-Dimensional Poverty Index Report of 2021, less than 2% of
the population in Andhra Pradesh is deprived of school education. The enrolment in all types
of schools during 2022-23 in the state is 71.79 lakhs of which 40.29 lakhs is in High Schools.
As per RBI guidelines, loans to individuals for educational purposes including vocational
courses up to ₹20 lakh irrespective of the sanctioned amount will be considered as eligible for
priority sector.

4.2.2. Infrastructure and Linkage Support available, Planned and Gaps

There are 1931 schools with student strength of 2.15 lakh, 642 Junior Colleges with 0.15 lakh
students, 32 graduate level colleges with 0.19 lakh students and 43 Professional Colleges with
0.10 lakh students in the district. New market-oriented courses introduced to re-orient UG
education for industry requirement and to help students to find immediate employment after
graduation. The new market-oriented courses have inbuilt features like online learning,
project work, hands-on experience, internship and teaching by industrial experts. They
prepare students in the latest domain knowledge and skills in the work areas. The enrolment

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 PLP FY 2024-25
Anakapalli District

in higher education i.e., intermediate and above is around 0.45 lakh students during 2019-20,
who are the potential candidates for bank credit.

Welfare Schemes being implemented by GoAP for Education Sector include Jagananna Amma
Vodi, Goru Mudda, Naadu-needu Program, Jagananna Gorumudda program, Jagananna
Vidya Kanuka, Jagananna Vidya Deevana and Jagananna Vasathi Deevana. Naadu-Needu
Program, a 9-point program to overhaul the quality of infrastructure available in existing
govt. schools (Primary, Upper-Primary, Secondary and Junior Colleges). State Govt. has
entered an MoU with educational tech company Byju’s to provide quality education to Govt.
School students.

The Government has initiated several schemes for bringing out both quantitative and
qualitative improvement in the education system in Andhra Pradesh. The government has
earmarked ₹27706.66 crore for school education in the annual budget for FY 2022-23.

4.2.3. Assessment of Potential for the financial year 2024-25

Keeping in view the categorization of seats in professional colleges, revised fee structure,
demand for higher education in abroad, thrust given by the governments, etc., the credit
potential assessed for the sector for the year 2024-25 is as under:
(₹lakh)
Projection for 2024-25
Sl.N Unit Phy.
Activity Unit Financia
o Cost Unit Bank Loan
l Outlay
s
1 Loans up to ₹10 lakh No. 5.00 1200 6000.00 5400.00
Education Loan Above ₹10 No.
2 20.00 100 2000.00 1800.00
lakhs
Education – Total 8000.00 7200.00
The block-wise and activity-wise, physical and financial projections for the year 2024-25 are
given in Annexure-I.

4.3. Credit Potential for Housing

4.3.1. Status of the Sector in the District
As per Census 2011, out of the total 4.53 lakh Households, 3.87 lakh and 0.65 lakh households
are in rural and urban areas respectively. As per 2011 census, the GoI has estimated the
housing shortage around 10.00 lakh in urban areas and 30.85 lakhs in rural areas in newly
formed Andhra Pradesh. GoAP has initiated various schemes under Navaratnalu (YSR
Housing Scheme – Pedalandiriki Illu) and proposed construction of houses to the
Economically Weaker Sections in the State.

4.3.2. Infrastructure and Linkage Support available, Planned and Gaps

GoAP has envisaged to construct 5 lakh houses in the State under Navaratnalu (YSR Housing
Scheme – Pedalandariki Illu). Under Rural Housing Interest Subsidy Scheme (RHISS), under
the scheme, Interest subsidy would be available to every rural household who is not covered
under the Pradhan Mantri Aawas Yojana (Grameen), PMAY(G). The scheme would enable
people in rural areas to construct new houses or add to their existing pucca houses to improve
their dwelling units. The beneficiary who takes a loan under the scheme would be provided
interest subsidy for loan amount upto ₹2.00 lakh. The scheme is expected to improve housing
stock in the rural areas, as well as create employment opportunities in rural housing sector.
Further, GoAP is implementing TIDCO Housing loans for the benefit of urban poor.

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 PLP FY 2024-25
Anakapalli District

4.3.3. Assessment of Potential for the financial year 2024-25

There is a demand for home loans for construction and repairs at mandal level. Keeping in
view the demand and revised PSL guidelines, projections for the sector for 2024-25 is as
under:
(₹lakh)
PLP Projections 2024-25
Sl.
Activity Unit Unit Phy.
No. Fin. Outlay Bank Loan
Cost Units
Purchase/ construction of a
1 Nos. 25.00 1950 48750.00 39000.00
dwelling unit
Repairs to damaged
Nos. 5400.00 4320.00
2 dwelling units 6.00 900
Total 54150.00 43320.00

The joint mandal wise Activity-wise projections under the sector during the year 2024-25 are
indicated at Annexure – I. The bank loan is assessed based on the practices followed by
bankers.

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 PLP FY 2024-25
Anakapalli District

Chapter 5

CREDIT POTENTIAL FOR INFRASTRUCTURE

5.1. Infrastructure – Public Investments

5.1.1. Status of the Sector
i. Infrastructure Development in rural areas is crucial for inclusive growth of the economy and
for bridging the rural-urban divide. Provision of adequate and quality infrastructure in rural
areas is necessary for increasing the productivity and efficiency in agriculture, improving the
credit absorption capacity, enhancing the productivity of crops and livestock, generating
employment besides increasing farmers’ income thereby minimizing the incidence of rural
poverty.

ii. While infrastructure has been recognized as crucial input for economic development, the
definition of Reserve Bank of India covers a wide range of sectors under 'Infrastructure
facility'. The Socio-Economic Survey of Government of Andhra Pradesh covers irrigation,
power, roads and buildings, transport, airports, ports, communications, banking, tourism,
information technology under the 'economic infrastructure' and education, public health,
housing, sanitation, women development and child welfare, social welfare, housing etc., under
'Social infrastructure'.

iii. Rural Infrastructure Development Fund: With the objective of assisting State
Governments in the completion of ongoing rural infrastructure projects and to take up new
infrastructure projects, the Rural Infrastructure Development Fund (RIDF) was set up with
NABARD in 1995-96. At present, 39 activities are eligible for sanction under RIDF. NABARD
provides assistance to the State Govt for creation of infrastructure in rural areas in the field of
Agriculture and related sectors, Rural connectivity and Social sector. As on 31 March 2023,
₹23,561 crore was sanctioned to Government of Andhra Pradesh for 34,102 different
infrastructure projects such as roads and bridges, irrigation, drinking water supply, education,
animal husbandry, water harvesting, etc. The Govt. of AP had availed an amount of ₹17554
crore for implementing the projects sanctioned under various tranches.
The Sector wise sanctions under RIDF since inception (Tranche I to XXVIII) is as under
(₹lakh):
(₹lakh)
Sl. Amount
Broad Sector No. of Projects
No. Sanctioned
1 Agriculture and Allied activities 2104 68169
2 Agri-Storage Infrastructure 152 1451
3 Aanganwadi Centres 2172 22920
4 Education Infrastructure 15683 511091
5 Health Infrastructure 400 459637
6 Irrigation Projects 1791 3808.51
7 Mini-Hydel Projects 13 48.01
8 Rural Connectivity 5037 6042.23
9 Rural Drinking Water 1722 1986.29
10 Soil-Moisture Conservation Projects 5028 1044.05
Total 34,102 23561.77

iv. NABARD Warehousing Scheme: NABARD Warehousing Scheme was launched in

2011-12 with an allocation of ₹5,000 crore each in 2013-14 & 2014-15 for supporting creation
of infrastructure for storage of agricultural commodities. Reserve Bank of India issued
guidelines for creation of Warehouse Infrastructure Fund in NABARD. NABARD has

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 PLP FY 2024-25
Anakapalli District

sanctioned an amount of ₹228.00 crore for construction of 45 news warehouses in Andhra

Pradesh with proposed capacity of 4.00 lakh MT. in undivided Visakhapatnam District got 4
godowns of 10000 MT each. The warehouse construction at Parawada was already completed
and brought to use.

v. Rural Infrastructure Promotion Fund (RIPF): The objective of RIPF is to support

the activities required for promotional efforts for RIDF which will include support for
conducting knowledge sharing workshops, creation of experimental infrastructure projects by
Gram Panchayat, SHG/SHG Federation, FCs/ FC Federation, and support for survey of
potential assessment/demand survey for new Agriculture/ rural infrastructure projects.
During the year 2017-18, NABARD has sanctioned grant assistance of ₹9.80 lakh to Smart
Andhra Pradesh Foundation under Rural Infrastructure Promotion Fund (RIPF) for
setting up of 7 digital classrooms in 7 Govt. Schools in 7 Villages of Andhra Pradesh as last
mile connectivity. ZP High School, Boni Village from Anandapuram Mandal is one of the 7
schools benefitted.

vi. NABARD Infrastructure Development Assistance (NIDA): NIDA is designed to

fund directly to State Owned institutions/ corporations on both on-budget as well as off-
budget for creation of rural infrastructure outside the ambit of RIDF borrowing. Assistance
under NIDA is available for a period of 25 years with need-based moratorium period up to 3
to 5 years depending upon the project implementation period. NABARD has extended credit
facilities to the erstwhile AP TRANSCO to the tune of ₹346 crore under NIDA for establishing
transmission infrastructure.

vii. Long Term Irrigation Fund (LTIF): To cater to the huge fund requirement and
ensure completion of incomplete major and medium irrigation projects, the Hon’ble Union
Finance Minister, during his Budget speech 2016-17, announced creation of dedicated Long
Term Irrigation Fund (LTIF) in NABARD with an initial corpus of ₹20,000 crore for funding
of Central and State shares for the identified projects under PMKSY. Eight irrigation projects
have been identified for extending the financial support under LTIF. Loan amount of ₹513.87
crore towards funding of state share for 5 projects under LTIF was sanctioned, of which an
amount of ₹488.34 crore pertaining to 4 projects has been released so far.

viii. Micro Irrigation Fund (MIF): The Government of India instituted with a dedicated
Micro Irrigation Fund of ₹5000 crore for encouraging public and private investments in
modern irrigation methods such as sprinkler and drip irrigation as also water use enhancing
practices to realize the objective of per drop more crop. It is envisaged that the State
Governments will borrow loans from NABARD, out of Micro Irrigation Fund (MIF) for
investments in irrigation efficiency improvement projects in respective states. Govt. of Andhra
Pradesh was sanctioned an amount of ₹616.13 crore towards top-up subsidy under MIF during
the year 2019-20.

5.1.2 Infrastructure and linkage support available, planned and gaps

Based on the discussions with various departments, creation of following infrastructure under
RIDF support will have positive impact on the development of the district:
Sl. Details Department Potential Financial outlay
No. (₹ lakh)
1 Soil Testing Agriculture One more soil testing laboratory is 50
Laboratory Department required for the district at Narsipatnam
2 Animal Husbandry AH Dept Setting up of veterinary dispensaries, AI 800
centres and Institutional strengthening of
Veterinary institutions -5 Nos.

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 PLP FY 2024-25
Anakapalli District

Infrastructure at RBKs for treating

animals.
3 Drinking water RWSS Drinking water supply in Rural areas 1000
Supply in another 80-100 villages
4 Improvements in Edu.Depart Provision of additional infrastructure 15000
Schools ment in Schools

5.2. Social Infrastructure involving Bank Credit

5.2.1. Status of the Sector
Social infrastructure refers to the physical assets and facilities that are essential for the social
well-being and development of a society, including areas such as education, healthcare,
housing, and community services. Bank credit plays a significant role in supporting the
development and maintenance of social infrastructure. The key engines for India’s growth are
social and physical infrastructure, which require continued investments to accelerate growth
prospects. Social infrastructure covers those basic activities and services viz., education, health
service, sanitation and water supply etc. Bank loans up to a limit of ₹5 crore per borrower for
building social infrastructure for activities namely schools, health care facilities, drinking
water facilities and sanitation facilities (including loans for construction/ refurbishment of
toilets and improvement in water facilities in the household) in Tier II to Tier VI centres are
eligible for classification under priority sector.

5.2.2. Infrastructure and Linkage support available, Planned and Gaps

i. Swatchh Bharat Mission (SBM-G): To achieve 100% rural sanitation in the State,
Government have taken up construction of Individual Household Latrines (IHHLs), School
and Anganwadi toilets as units.

ii. Education: The Govt. school infrastructure is being uplifted through the GoAP’s flagship
scheme Nadu-Nedu. However, most of the private schools are running either in rented
buildings or in houses converted to schools. Therefore, there is a need to develop suitable
infrastructure in schools owned by private management with all amenities which required
financial assistance from banking.

iii. Health: There are no medical colleges in the district, 05 Govt. Hospitals, and 46 Primary
Health Centres, etc. available in the district. Besides a huge network of health infrastructure
created by the Government there is a potential for establishment of one Medical College with
hospital in the district consequent upon reorganisation of districts in the State. A large number
of Private Hospitals, Nursing Homes and Clinics have come up with latest equipment,
technology and are running successfully. Keeping in view the raising population, growing
awareness on health, etc., there is a good potential for the development of infrastructure under
the sector at mandal and block level where there is a requirement of credit from the banks .
(Source: District Handbook of Statistics)

iv. Drinking Water: There are 730 villages in the district with infrastructure of Public Water
System/borewell/open well under different schemes. The Government is planning to provide
purified drinking water in all Government Educational Institutions/Welfare Hostels by
establishing 50/100/150/200/250 LPH RO plants. Although the local bodies/ government are
providing water, there is a great demand for purified water in the district and it is an area for
bank finance for establishment of RO plants by entrepreneurs and school managements.
(Source: District Handbook of Statistics)

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 PLP FY 2024-25
Anakapalli District

5.2.3. Assessment of potential for the financial year 2024-25

The assessment of credit has been made considering the emerging needs of the people of the
district for the year 2024-25:

(₹lakh)
PLP Projections 2023-24
Sl.
Activity Unit Unit Phy. Fin.
No Bank Loan
Cost Units Outlay
Construction of New school Nos. 41.00 10 410.00 328.00
1 buildings/Renovation of existing
ones
Construction of New Hospitals Nos. 31.00 10 310.00 248.00
2 buildings/Renovation of existing
ones
3 Water Purifying RO plants Nos. 11.00 105 1155.00 924.00
Total 1875.00 1500.00

5.3. Renewable Energy

5.3.1. Status of the Sector
According to the June 2021 report by the MNRE, India has achieved its goal of 175 GW
renewable capacity by 2022 as committed during the 2015 Paris climate change summit
including the projects under construction (50.89GW) and in bidding stages (29.52 GW).
Based on the current policies, India’s energy and electricity demand could potentially double
and triple respectively by 2040. Therefore, as part of Intended Nationally Determined
Contributions (INDCs), India has committed to increase the share of installed capacity of
electric power from non-fossil-fuel sources to 40% i.e., 450 GW of renewable energy capacity
by the year 2030.
As per the Priority Sector guidelines issued by RBI, Bank loans up to a limit of ₹30.00 crore
to borrowers for purposes like solar based power generators, biomass-based power generators,
wind mills, micro-hydel plants and for non-conventional energy based public utilities viz.
street lighting systems, and remote village electrification are eligible to be classified under
priority sector loans under ‘Renewable Energy’. For individual households, the loan limit is
₹10.00 lakh per borrower.

5.3.2. Infrastructure and Linkage support available, Planned and Gaps

i. Andhra Pradesh is one of the pioneering states in the country to announce Solar Policy,
and implementing various other programmes, viz. Improved Chullah Programme,
Solar Energy Programme, Solar Water heating System programme, Solar Rooftop
Projects (SRP) and under Swachh AP plan, convert municipal solid waste (MSW) into
energy. New & Renewable Energy Development Corporation of AP (NREDCAP) Ltd. is
the Nodal Agency for implementation of all renewable energy programmes in the State
sponsored by the Ministry of New and Renewable Energy (MNRE), Govt. of India and
the State Government.
ii. Setting up of Solar Rooftop Projects (SRP) for sale of electricity to Discom/captive use
or for self-consumption under Net Metering scheme – Installation of Grid connected
Solar Rooftop systems is encouraged on the roof tops of residential, commercial and
industrial buildings, etc. with a provision of net metering scheme and selling the power
to the DISCOMs. Banks are also encouraged to extend loans as a part of home loan or
home improvement loan.
iii. Availability of good number of dealers selling various solar power-based products in
Anakapalli and surrounding areas;

46
 PLP FY 2024-25
Anakapalli District

iv. Extension of Dealer and service network to village/mandal level in order to extend
various services to rural people/farmers. Popularising Grid connected Solar Power
Roof top systems;
v. The State Government is energizing the irrigation pump sets with solar irrigation
pumps with higher amount of subsidy. The scheme is being implemented through
APEEDCL and the NREDCAP.

5.3.3. Assessment of potential for the year 2024-25

Considering the potential available in the district, Government policies, the assessment of
credit for the year 2024-25 is as under:
(₹lakh)
PLP Projections 2024-25
Sl.
Activity Unit Unit Fin.
No Phy. Units Bank Loan
Cost Outlay
Solar Lantern/Home 0.45 80 36.00 18.00
1 Nos.
Lighting/Invertors
2 Solar Pumps Nos. 5.10 400 226.67 204.00
3 Solar Dryers Nos. 3.10 110 341.00 272.80
PLP Projections 2024-25
Sl.
Unit Unit Phy. Units Fin. Bank Loan
No
Activity Cost Outlay
Solar Roof-top 1.20 130 156.00 132.60
4 Nos.
System (1 Kwh unit)
Total 759.67 627.40

The Block-wise Activity-wise projections under the sector during the year 2024-25 are
indicated at Annexure – I.

47
 PLP FY 2024-25
Anakapalli District

Chapter 6
INFORMAL CREDIT DELIVERY SYSTEM
6.1. Status of the Sector
The SHG movement took a firm root in the State with the implementation of World Bank
assisted poverty reduction project, Velugu in the year 2000. Further, to fast pace the
programme an independent support institution called Society for Elimination of Rural Poverty
(SERP) was established. In the Anakapalli district, there are 39,556 SHGs. During 2022-23,
an amount of ₹1,409 crore has been disbursed to 29,726 SHGs during 2022-23. The average
credit per SHG is around ₹4.73 lakh for SHGs in the district as against the State average of
₹6.53 lakh. The recovery position of SHG loan in the district is more than 99%.

6.2. Infrastructure and linkage support available, planned and gaps

Society for Elimination of Rural Poverty (SERP) is promoting, nurturing and handholding the
rural SHGs in the State, with the support of NRLM. The SHGs have been federated in the State
from village level to the district level namely Village Organisation, Mandala Samakhya and
Jilla Samakhya.
Besides credit facility from banks, the SHGs also have the option of availing credit facility from
the Mandal Samakhya and Streenidhi Mahila Bank. Stree Nidhi credit cooperative Federation
Ltd., was promoted by the Government of Andhra Pradesh and Mandala Mahila Samakhyas
to provide Livelihood Finance to SHG women. Stree Nidhi is a flagship programme of the
Government of AP. Stree Nidhi provides timely and affordable credit to the poor SHG women
as a part of the overall strategy of SERP for poverty alleviation.
i. YSR Sunna Vaddi Runalu: The Government of Andhra Pradesh with a view to
encourage better repayment culture and to reduce interest burden on the rural and
urban poor on SHG bank loans decided to provide interest subvention, covering the
entire interest charged on the loans outstanding upto ₹3 lakh. SHGs which availed
bank loans, outstanding upto ₹3 lakh are eligible for YSR Sunna Vaddi.
ii. The JLG mode of financing serves as collateral substitute for loans provided to tenant
farmers, oral lessees, share croppers, marginal/small farmers, etc. It enables the banks
to reach farmers through group approach, adopt cluster approach, facilitate peer
education and credit discipline. Considering that more than 95% of the farmers are
marginal and small in the district, there is a good potential for financing of JLGs in the
district.
iii. Andhra Pradesh being a pioneer state in SHG-BLP, had initiated this process of
digitisation in the year 2007 itself. Over the years, SERP’s database has been refined
and is currently being used by different stakeholders like SLBC, State Government and
bankers.
6.3. Assessment of Potential for the year financial year 2024-25
The potential assessed for different activities for Farm and Non-Farm activities for the year
2024-25 are as under:
(₹lakh)
Unit PLP Projections 2024-25
Sl.No. Activity Unit cost Physical Financial
Bank Loan
units outlay
Loans to SHGs (incl.
1 Nos. 5.00 9300 46500.00 46500.00
SHGBLP, UCD, MEPMA)
2 Loans to JLGs Nos. 1.25 1600 2000.00 2000.00
Total 48500.00 48500.00
The Joint mandal wise details of potential available for credit linkage of SHGs in the district
is furnished in Annexure I.

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 PLP FY 2024-25
Anakapalli District

Chapter 7
Critical Interventions required for creating a definite impact
Sl.No. Sector Critical intervention required for creating definitive
impact
2.1. Farm Credit
2.1.1. Crop i. Agriculture Department needs to focus more on crop
Production, diversification especially in the areas of irrigation projects. The
Maintenance Department may motivate farmers to change their cropping
and Marketing pattern depending upon water availability.
ii. Considering the number of small holdings and the topography
of the district, one soil testing laboratory may be established in
each division of the district
iii. Seed Village programme must be popularised to motivate the
farmers to go for seed production of major crops grown and
preservation of best quality seeds. Setting up of organic
inputs/fertilizer sale outlets.
iv. More Automatic Weather Stations are to be established for
more accurate recordings of all the weather parameters to
benefit all the villages under WBCIS.
v. PGS/ICS Certification for farmers practicing organic/natural
farming may be undertaken by RySS/APCNF in a big way,
which would ensure better price realisation. There is a need for
creation of an NPOP accredited agency for undertaking third
party certification of organic farming, to enable exports
through APEDA.
vi. Banks may extend timely credit to FPOs/FPCs for better
income realisation for farmers.
vii. The scheme for Agri clinics/ Agribusiness Centres (ACABCs),
launched to provide gainful employment to agriculture
graduates and ensure private sector participation in extension
activities, may be encouraged.
viii. Rejuvenation of existing irrigation structures like tanks by de-
silting and making improvements.
ix. Creation of storage facilities, threshing/drying platforms in
critical pockets in the districts.
2.1.2. Water i. Energisation of greater number of irrigation pumpsets in the
Resources district through Solar system
ii. Department is propagating sprinkler and drip irrigation
systems and providing subsidy farmers.
iii. There is a need as well as good scope for financing of new
irrigation/ pumping systems (conventional as well as
renewable energy based), water conservation technologies,
etc., on individual as well as JLG mode)

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 PLP FY 2024-25
Anakapalli District

iv. The basket of bank financed investments may include, inter

alia, new ground water extraction structures (dug well, bore
well, tube wells, filter points), financing of micro irrigation
systems, and pumping devices
v. Deepening of wells wherever feasible, well recharge projects
(dug wells and bore wells) on area basis/ JLG mode, farm
ponds/ rainwater harvesting structures with/ without lining,
small lift schemes in JLG mode/ lift societies etc.
vi. Construction and maintenance of community water storage
structures could be encouraged by using schemes such as
MGNREGA.
vii. Desilting of tanks, recharging of borewells and dugwells to be
done mainly in the semi critical mandal of Munagapaka.

2.1.3. Farm i. The large number of small land holdings is the main constraint
Mechanisation for farm mechanization in the district. Catering to the farm
machinery services through Custom Hiring Centers at RBKs,
PACS and also FPOs would meet the demand at peak seasons.
ii. Lack of awareness about latest technology /machinery and its
usage among farmers Demonstrations and training may be
arranged to farmers on latest available machinery and its uses.
iii. Authorized dealers are to be identified for all the major
companies supplying various popular agricultural implements
under the scheme.
iv. More number of service centres required undertaking repairs
of agricultural pump sets, tractors and domestic appliances
due to increase in the income levels of general public and
consequent high demand for consumer goods.
v. As horticulture is gaining significance in the district, special
thrust on horticulture mechanisation in the form of special
purpose tractors, planters/seed drills, intercultural equipment
and post hole diggers, post-harvest equipment, etc., is
required.
vi. Use of drones would help in optimal use of
fertilisers/pesticides, reduction in labour cost, reduction in
drudgery and reduction in health hazard to farmer, thereby
improves productivity.
vii. Coordination between banks and Agriculture Department will
help in improving disbursements in this sector.
2.1.4. Plantation and i. Agri-Value chains may be developed, by integrating FPOs and
Horticulture banks may be encouraged to finance these Value Chains.
including ii. Integrated Post-harvest management infrastructure including
Sericulture cold chain infrastructure and processing units are required for
establishing value chain. Awareness among the farmers
required for post-harvest handling.
iii. Key interventions include Post Harvest Management,
Horticulture Mechanisation, permanent pandals for vegetable
cultivation, drip irrigation, farm ponds, plastic mulching, and
development of Horticulture Hubs in selected potential
mandals.
iv. Mechanization of horticulture production system is critical for
overcoming the shortage of labour in rural areas and to
rationalize the cost of production. Small tractors with boom
sprayers, rotovators, and power saws may be promoted by

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Government through Agro-Service Centres with 50% subsidy

support.
v. Empowering FPOs to take up technology transfer to their
members through setting up of
production/distribution/demonstration facilities for ultra-
high density orcharding, organic inputs/bio-control/soil
testing facilities and linking them to Technology providers on
a PPP mode.
2.1.5. Forestry and i. Creation of awareness among farmers on social forestry as
Wasteland a part of integrated farming system not only to improve
Development their income levels, but also as a part of climate mitigation
initiative;
ii. Extension of credit facilities for taking up forestry activity
iii. Establishment of permanent nurseries with good
infrastructure and production of quality plant material is a
pre-requisite for development of the sector.
iv. Forest Dept may coordinate with banks to promote
institutional credit support for the poorest of poor in tribal
areas.
v. Marketing arrangements for forest produce need to be
strengthened. Further, the Vana Samrakshna Samithis need to
be revitalized by building capacities.
2.1.6 Animal i. The growing demand for milk and milk products offers
Husbandry – enormous scope for rural people to take up dairy as a
Dairy livelihood activity.
ii. Creation of awareness among the rural populace on the
importance of dairying as a livelihood activity will have a
large positive impact on the development of the sector.
Promotion of calf-rearing activity. Promotion of fodder
cultivation

iii. Financing of calf-rearing, chaff cutting machines, bulk

coolers, etc. need to be encouraged. Promotion and extending
finance to JLGs on the lines of SHGs for diary activity.
iv. The GoI has introduced KCC for animal husbandry activities
which is helps the farmers to meet the working capital
requirement. Awareness has been created in JMLBC /DCC
and other training programmes on coverage of eligible
farmers.
v. Availability of good quality calves/animals is a big problem in
the district. Therefore, promotion of calf rearing scheme by
Government is very much required besides promotion of
fodder cultivation.
vi. The Govt. may strengthen the Animal Husbandry
Department with adequate manpower for better reach of
their services to the AH farmers.
vii. Interest subvention for Animal Husbandry activities could be
considered to facilitate increased term loan credit and the
same may be extended to FPOs for all loans availed by them.
2.1.7. Animal i. Self Help Groups may be encouraged to take up Broiler
Husbandry – Farming under contract farming with hatcheries as well as
Poultry to take up marketing of broiler meat in their areas.
ii. A breeding farm and hatchery for supply of chicks for
rearing Backyard birds will help the farmers to take up this
activity on a large scale.

2.1.8. Animal i. Promoting silages on cluster basis through farmers to

Husbandry – overcome the shortage of fodder/feed.
Sheep, Goat, ii. Training of farmers in health care, rearing of sheep, goat
Piggery, etc. etc

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Commercial sheep, goat and pig breeding farms to be established for

availability of quality breed.
iii. Awareness on the importance of the allied activity in
improving incomes of farmers.
2.1.9. Fisheries i. There is no organised fish marketing in the district. Hence
Promotion of Domestic Marketing on large scale is required.
ii. Lack of advanced craft and gear to marine fishermen to
explore deep sea pelagic fishery wealth;
iii. The following interventions will have definitive impact on the
development of the sector and will improve credit flow to the
sector:
iv. Value addition to fish – Value added product development by
way of process and product diversification from all varieties
of fish including low value, unconventional species and
seasonally abundant fish.
v. Cold storage facilities for fish - Most of the time when huge
landings of marine fish arrive, it is wasted or sold at throw
away prices. There is a need to create Cold storage facilities
and create awareness among the entrepreneurs to open cold
storage facilities;
vi. Fisheries Department may conduct exposure programmes for
branch managers so as to create awareness on fisheries
activities.
vii. Fish landing centres at reservoirs to reduce post-harvest
losses.
viii. The VFAs who are providing Extension and other technical
services at RBKs needs to be regularly trained for enhancing
the capacities.
2.1.10. Farm Credit - i. The carts can be manufactured locally as there are enough
Others carpenters to fabricate. Animal Husbandry Department is
providing necessary health care and vaccination support to
the bullocks.
ii. In Sugarcane cultivated areas, bullock carts with tyres may be
financed by the bank
iii. Identification of borrowers from matured SHGs for financial
assistance from banks through JLGs.
iv. Bankers may extend financial assistance to low-cost bullock
carts in remote villages.
v. Nodal agency to be identified for institutional arrangements
for promotion of JLGs and nurturing, hand holding, credit
linkage, recovery and NPA management for financing to
tenant farmers.
vi. Government may consider to extend all benefits to JLG
members/ Tenant farmers i.e., input subsidy, interest
subvention, procurement, etc.
2.1.11. Sustainable i. Introducing financial incentives and subsidies for formers
Agriculture adopting sustainable practices to encourage wider adoption.
Practices ii. Developing exclusive Package of practices for the crops grown
under Sustainable methods, which can be used for working
out of Scale of Finances separately for these crops.
iii. Finance for various components of IFS is not forthcoming.
Also, the marketable surplus with SF/MF may be small and
therefore needs aggregation.
iv. Initiation of Mission on Integrated Farming Systems in the
district by converging various schemes of crop husbandry,
horticulture, livestock, and fisheries can give impetus to
integrated farming systems approach.
v. Finance for various components of IFS simultaneously and
parallelly is not forthcoming. Also, the marketable surplus
with SF/MF may be small and therefore needs aggregation.

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vi. Initiation of Mission on Integrated Farming Systems in the

district by converging various schemes of crop husbandry,
horticulture, livestock, and fisheries can give impetus to
integrated farming systems approach.
vii. Banks may explore possibility of financing IFS models in
cluster mode.
2.2.1. Construction of i. GoAP may consider on-boarding FPOs and PACS on
storage and eFARMARKET electronic platform for aggregation of
Marketing produce and marketing.
Infrastructure ii. Construction of at least 2 to 3 cold storages with latest
(warehouses / technology will help the farmers to fetch good price.
godowns, iii. Private warehouses are required to be encouraged to get
market yards, accredited and registered with WDRA.
silos, cold iv. Creation of awareness among the farmers on the benefits of
storage units, scientific Storages facilities.
cold chains v. Availability of sufficient power to run cold storages. PACS in
the district may create storage infrastructure in the potential
areas in their area of operation, especially for storage of
jaggery.
2.2.2. Land i. Creation of awareness on the need for soil conservation
Development, measures required to protect the fertility of the soil suggest
Soil area-based measures like terracing, bunding, growing
Conservation vegetative cover, etc. may be taken up by
and Watershed Agriculture/Horticulture Departments.
Development ii. Extension of credit facilities for the activities under the sector
may be taken up by Banks.

iii. Line Departments to conduct sensitization programmes on

Integrated Farming Systems (IFS) at village/panchayat level
to generate awareness among farming community on the
benefits of IFS.
iv. Development of demonstrable models of bankable
investments in soil and water conservation are critical for
promoting credit linkage, in the areas of soil and water
conservation viz., farm ponds, land levelling, etc.
v. Organic input production is low capital based, whose
popularity hinges on local production and distribution
through FPOs, PACS, as it is not attractive for distribution
through dealer networks.
2.2.3. Agriculture i. The Department of Agriculture, Horticulture, Sericulture and
Infrastructure – NREDCAP should promote vermin and NADEP compost
Others units in a big way by conducting awareness campaigns on the
benefits of organic farming.
ii. Department of Horticulture may conduct an awareness
meeting with prospective entrepreneurs and banks on tissue
culture infrastructure for proactive financing. Departments
may arrange for buy-back facility for compost produced by
entrepreneurs
iii. SHGs/VSSs/RMGs may be encouraged for taking up
establishment of bio fertilizers/ pesticides/compost units on
group mode by availing bank credit.
iv. Creation of awareness among the farmers about good quality
seeds & plant materials of high yielding crop varieties must
be done through awareness camps and field demonstrations.
2.3.1. Food and Agro i. Capacity Building of micro-entrepreneurs especially SHGs
Processing through greater participation of Skill Development Centres,
RSETI and NGOs with support from line departments.
ii. Marketing is the major problem, especially for unregistered
units as they lack standards and standardization in product.

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A mother unit supplying material, technology and brand

name for identical activities in a cluster needs to be explored.
For such units, there is a need to address the issues like
capacity utilization, availability of quality raw materials
throughout the year, cold chain and marketing linkages.
Pesticide content in the raw material is also an important
factor keeping in view the export potential.

iii. As the district offers good scope, there is a need to develop

entrepreneurship for setting up agro and food processing
clusters and post-harvest management infrastructure for
horticulture and agriculture crops.
iv. Popularizing the incentives available for food and agro-
processing under MoFPI, GoI and State Industrial Policy
among entrepreneurs by DIC

2.3.2. Agri Ancillary i. The Government institutions like MANAGE may address the
Activities – lukewarm response to the ACABC Scheme by taking lead in
Others identifying potential agri-preneurs in collaboration with
State Governments and other related agencies and guiding
them in setting up own unit.
ii. The Government should encourage FPOs with interest
subvention and working capital based on the grading and
business.
iii. There is a need to sensitize banks, including RRBs and
Cooperative Banks, as there are potential FPOs for absorbing
credit for their short term and long-term credit needs. Branch
managers/staff are required to be apprised of the FPO
concept and the modalities of their financing.
iv. Strengthening of equity base and membership of FPOs are of
paramount importance, which would enable these entities to
leverage the benefits offered by the Equity Grant and Credit
Guarantee Schemes of SFAC and NABSANRAKSHAN.
v. Banks may cooperate in extending financial assistance to
ACABCs and FPOs promoted in the district.
vi. Strengthening of FPOs and leveraging the benefits of SFAC
equity grant and credit guarantee scheme for extending credit
facilities.
vii. All the departments may identify potential clusters to
promote FPOs.
viii. The banks need to sensitize their branch managers to
encourage agricultural graduates in setting up of agri clinics
and agri business centres for providing last mile services to
the farmers.
3. MSME i. Attracting private investment in food processing sector
especially mango pulp extraction, tomato processing and
tutty-frutti from papaya.
ii. Uninterrupted and adequate water and power supply to the
industries
iii. Establishing artisan parks by reforming existing
Shilparamams with production-cum-sales outlets, sales huts
etc.

iv. Government may launch information-cum-sales based portal

for weavers, showcasing district specific products. The portal
may also capture details of individual weavers along with the
product.

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v. Technology driven e-commerce, to help small town

communities and micro business clusters based on
traditional skills.
vi. Tourism sector is having huge potential in the district, which
is untapped and can create employment. Tourism
department may popularise heritage and adventure tourism
and impart capacity building in hospitality sector.
vii. Lack of dynamism/strategy in banks in utilization of
CGTMSE scheme and extension of credit facilities to
Industries. Consorted efforts required for credit flow under
Stand-Up India Scheme.
4.1. Exports i. Stable export policy to meet the demand of the international
market on a continuous basis and to sustain the units in the
district.
ii. Tie-up with export firms is required for effective fruit care
and export of fresh fruits, to provide additional income to the
farmers.
iii. For export of agricultural products, factors such as domestic
as well as international demand and supply situation, price
competitiveness, quality concerns, sanitary and phyto-
sanitary requirements and relevant rules & regulations of the
importing countries need to be duly taken into consideration.
Temporary restrictive measures sometimes adopted by the
importing countries in view of non-conformity to any of these
standards/rules ruin the unit.
iv. Opening of forex branches in the district will have an impact
on Export Companies.
v. Incentives to be offered to farmers for obtaining Organic
Certification for the produce.
vi. Strengthen State’s association with Export Promotion
Councils, International Trade bodies, Federation of Indian
Exports Organisation, India Trade Promotion Organisation,
National Centre for Trade Information and Product Sectoral
Associations.
vii. Provide e-governance support to exporters of Andhra
Pradesh
viii. Create a strong analytical database on market potential for
exports and develop new markets for exporters in Andhra
Pradesh.
ix. Promote public-private partnership in developing
competitive export infrastructure

x. Facilities and dedicated services may be extended by qualified

centres to guide producers on introducing themselves on e-
commerce front keeping in view the Pandemic related
restrictions.
xi. Micro, Small and Medium Exporters should be properly
trained by MSME / export organizations with technical
assistance from banks.
xii. International demand and supply situation, price
competitiveness for exportable and related domestic factors
may be announced / projected in public portals on
continuous basis.
xiii. Exporters may be encouraged to avail the export credit
insurance facilities extended by ECGC.
xiv. Forex branches may be opened in the district exclusively to
cater services to exporters.
xv. The banks should put in place a control and reporting
mechanism for export credit.

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4.2. Education i. Banks may conduct awareness camps in educational

Loans institutes offering professional courses regarding educational
loans for the benefit of students & parents.
Banks to improve the loan sanctions in tie up mode with
reputed colleges/educational institutions.
The Financing Institutes to view the education loans in
business prospective, as credit guarantee scheme is available
to obviate the default rate.
To spread awareness about the central Govt. implemented
interest subsidy schemes
ii. Banks may also implement Central Scheme to provide
Interest Subsidy (CSIS) which is applicable to all eligible
students who pursue technical and professional education
studies in India.
iii. Professional Colleges and Vocational Institutes may create
help desk for arranging funds for aspirant students who want
to pursue the courses. Institutes/colleges offering
professional courses may guide the students for availing
educational loans from banks. Banks may conduct awareness
camps in educational institutes offering professional courses
regarding educational loans for the benefit of students &
parents. Banks to improve the loan sanctions in tie up mode
with reputed colleges/educational institutions. The
Financing Institutes to view the education loans as business
prospective, as credit guarantee scheme is available to obviate
the default rate.
iv. The sector has been hampered by large number of defaults,
primarily arising out of frequent change of address by the
students. Parents can be taken as co-guarantor to bring down
incidences of defaults.
4.3. Housing i. There is a need to address the issue of inadequate assistance
for purchase of house‐sites as well as streamline homestead
plot provision through collaborative working of various
departments.
ii. Geo tagging of houses constructed under government
schemes facilitating reduction in delays and preventing
misuse of funds.
iii. As residential housing loans do not create direct additional
income, recovery of loan may prove to be difficult even
though loan may be adequately secured. There are many legal
and other hurdles to be tackled in this regard. District
Administrations may help banks in recovery of loans.
iv. Government bodies may consider single window clearance
mechanism for the purpose of further simplifying the
approval processes for low-cost affordable housing along
with reconsideration of the taxation policies.
v. There is a need to link interest rate to Loan to Value ratio and
reward borrower for early payment of EMI
5.1. Infrastructure – Sector specific infrastructure gaps identified are mentioned in
Public respective chapters.
Investments
5.2. Social i. Young Doctors may be encouraged for setting up of Nursing
Infrastructure Homes/Clinics with latest equipment by extending
involving Bank concessions in taxes.
Credit ii. The Government may prefer entrepreneurs who can establish
RO plants in mandal headquarters under various subsidy
schemes to create quality infrastructure at village level.
iii. Areas requiring safe drinking water (RO plants) through
private participation need to be financed by banks. To start

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with, the interested SHGs/VOs may be financed for RO

plants.
iv. More number of construction companies in the district to
take up construction of schools/hospitals, etc.
v. Timely and adequate availability of raw material for
construction of buildings
vi. There is a need to encourage PPP models in creation of social
infrastructure by roping corporates and other institutions
through their CSR funding and private investment through
bank credit.
vii. Areas requiring safe drinking water (RO Plants) through
private participation need to be financed by banks. To start
with, the interested SHGs/VOs may be financed for RO
Plants.
viii. The village water and sanitation committees may be formed,
and their capacity building may be done.

ix. Bankers may proactively take up financing of these activities

to achieve their priority sector obligations. Banks may utilise
CGTMSE/PMEGP scheme wherever applicable/ available
5.3. Renewable i. Promoting use of renewable energy-based units have
Energy constraints like high capital cost, lack of awareness of
technology, etc., Govt. Departments, Banks, NGOs and Social
enterprises need to focus on promotion of renewable energy.
Grid connected Solar power projects are less vis-à-vis the
potential of the district. Many residential complexes have
come up in the recent past, which can be supported with Roof
top solar systems.
ii. The line department has an important role to play in
facilitating grounding of more units by organising workshops
for bankers and other government departments. State
Government should encourage establishment of PV cell
manufacturing units by extending tax concessions.
iii. There is a huge demand from village panchayats and farmers
for solar street lighting and solar fending. A suitable
additional subsidy may be introduced by State Government
for these activities.
iv. Electric Vehicle Charging Stations may be established in
through Public/Private Investment to encourage use of
electric vehicles.
v. Coordination between NREDCAP and APEEDCL in
popularizing solar pump sets
vi. Need to motivate dairy farmers to set up bio-gas plants which
would be an integral part of their mini-dairy set up.
vii. NREDCAP and Bankers could sensitize the farmers on the
advantages of adopting this system.

6. Informal Credit i. Encouraging cashless transactions among the SHG groups,

Delivery System thereby improving digital transactions.
ii. Need to revisit loan appraisal and follow-up strategies to
ensure productive end use of credit of SHGs.
iii. To graduate the SHGs into an enterprising entity, there is a
need to ensure suitable income generating opportunities
during the credit linkage. Bankers need to ensure that the
lending to an individual in a group should be based on merit
and need.
iv. Free flow of data among stakeholders for quick identification
of problems/gaps and timely interventions through
coordinated efforts.

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v. Continued focus on insistence on ‘SHG Pancha-Sutras’.

vi. A body and field cadre on lines of SERP can help the bankers
in formation and promotion of JLGs, which in turn will boost
the confidence in the JLG lending models. However, it is
suggested that, instead of having a rigid structure, a flexible
structure may be adopted. State Government in association
with NABARD may come up with a scheme to identify, train
and support lead agencies in the district on the lines of CBBOs
for FPOs.

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Chapter 8

Status and Prospects of Cooperatives

Background
A cooperative is defined as ‘an autonomous association of persons united voluntarily to meet
their common social, economic and cultural needs as well as their aspirations through a jointly
owned and democratically controlled enterprise’.
A cooperative is governed by seven major principles, i.e. voluntary and open membership;
principle of democratic member control; principle of member economic participation;
principle of autonomy and independence; principle of education, training and information;
principle of cooperation and, principle of concern for community.
Cooperative enterprises help their members to collectively solve shared socio-economic
problems. Cooperatives strengthen bargaining papers of their members, help them get access
to competitive markets and to capitalise on new market opportunities. As such, they improve
income opportunities, reduce costs and manage risks of the members.

Formation of Ministry of Cooperatives by GoI

The GoI has set up a separate Ministry for Cooperation on 06 July 2021 which will provide a
separate administrative legal and policy framework for strengthening the cooperative
movement in the country, to help deepen the presence of cooperatives, to streamline processes
for ‘Ease of doing business’ for cooperatives and enable development of Multi-State
Cooperatives (MSCS). In other words of the Hon’ble Prime Minister, “The Cooperative
movement is such a model which can provide a successful alternative to socialism and
capitalism”.

Latest initiatives by Ministry of Cooperation (MoC), GoI

The MoC has, in consultation, coordination and partnership with state governments,
NABARD, national level federations, training establishments at state and national level and
other stakeholders is working on the following initiatives:
a. Computerization of Primary Agriculture Cooperative Societies: This scheme
aims at computerization of 63000 functional PACS leading to increase in efficiency,
profitability, transparency and accountability in the working of PACS.
b. Cooperative Education - Setting up of World's largest Cooperative University:
Aims at introduction of cooperative education as a course curriculum and also as independent
degree / diploma courses in Schools and Universities. This will also take care of research in
the field of cooperation.
c. World's largest Cooperative Training Scheme: This aims at revamping
strengthening existing cooperative training structure in the country and modernize the
training methods through a revamped scheme.
d. To provide facilities at par with FPOs for existing PACS
e. Establishing Multipurpose PACS / Dairy / Fisheries cooperatives in every panchayat
f. World's largest food grain storage scheme for cooperatives
g. Revival and computerization of PCARDBs / SCARDBs
h. Establishment of National Cooperative Database
i. Amendment to Multi State Coop. Act 2002 and setting up of 3 new MSCS
j. New Cooperative Policy - Drafting of new Cooperative policy with a view to strengthen the
cooperatives and make them vibrant with increased contribution to the economy

All these initiatives will create immense business potential from grassroot upward in times to
come

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Status of Cooperatives in the State

Sl.N0 Type of Society No. of Societies
Non-Credit Cooperative Societies
1 AH Sector (Milk / Fishery / Poultry etc.) 5607
2 Consumer Stores 427
3 Housing Societies 2257
4 Weavers 2716
Sl.N0 Type of Society No. of Societies
5 Marketing 1618
6 Labour Societies 2493
7 Industrial Societies 388
8 Agro Processing and Sugar 72
9 All others (pl. specify) 55736
Credit Cooperative Societies
10 Primary Agriculture Credit Societies 2046
11 Multi-State Cooperative Societies 22
(Source – APStCB & MoC, GoI)

Recent developments / latest initiatives by State Government in

strengthening the outreach and activities of cooperatives
As part of the initiative to make the PACS function as Common Service Centres (CSCs),
wherein, the PACS will be enabled to provide more than 300 e-services enlisted on the digital
seva portal of the CSC scheme to common citizens in rural areas, 1084 PACS have been on-
boarded as CSC in the State, of which 112 PACS are activated as CSC as on 30.06.2023.
Computerization of PACS: There is a need for expediting computerization of the affiliated
PACS for bringing about improvement in the timeliness and quality of services extended to
members. Computerization of PACS also helps to improve the quality of accounting by the
PACS. In this regards, Centrally Sponsored Project for Computerization of PACS was launched
by GoI with the outlay of Rs.2516 crore. The project is being implemented at the State level
and district level.
Business Development and Product Innovation (BDPI) Cell: With NABARD assistance,
APStCB constituted BDPI Cell at its Head Office to integrate new products into existing
product line emphasising focus on development of new product for business improvement re-
engineering to the existing product basket.
Share Capital: Share capital infusion of Rs.295 crore into the cooperative credit structure, out
of which Rs.100 crore to APStCB and Rs.195 crore to DCCBs during 2021-22.

Status of Cooperatives in the District

a. Status: Anakapalli district has a rich cooperative profile with 928 cooperatives in the
district covering PACS, Animal Husbandry, Fisheries, Toddy tapers and Credit Cooperative
sectors. The cooperative societies in the district are as under:

Sl.No Type of Society No. of Societies

Non-Credit Cooperative Societies
1 Dairy Cooperative Societies 88
2 Sheep Grower Cooperative Societies 119
4 Fishery Cooperative Societies 46
5 Handloom, Textile and Weaver Cooperatives 18

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6 Washermen Cooperative Socieities 191

7 Toddy Tappers Cooperative Societies 95
8 Labour Cooperatives 18
9 Industrial Societies 19
10 Primary Housing Cooperative Societies 11
11 Sugar Factories Cooperatives 4
12 Other Cooperative Societies 215
Credit Cooperative Societies
13 Primary Agriculture Credit Societies (PACS) 74
14 Employees’ Credit Cooperative Societies (ECCS) 30
Total 928
(Source – DCO, Anakapalli)

b. Potential for formation of cooperatives: There is fair potential for cooperative

activity in the agriculture credit sector, as elucidated in the chapter on 2.3.2. The distribution
is uniform in that and all blocks are covered by some society or the other. There is a potential
for creation of cooperative societies in fisheries and food processing sector in the district in
the district. This can have immense multiplayer effect in giving a fillip to economic activities
in these areas.

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Chapter 9

NABARD’s Projects and Interventions

Sl.n NABARD's Projects and Likely impact / outcome (to be indicated in

o. interventions in the district bullet form / in short para)

1 Refinance
NABARD has disbursed an amount of ₹506.99 crore
under Short Term finance and ₹240.00 crore was
released to Visakhapatnam DCCBs and APGVB
Refinance to RFIs such as Cooperative
a) operating in the district during 2022-23. An amount of
Banks, RRBs, StCBs, SFBs, NBFCs etc.
₹4.71 crore under under Long Term finance was
released to the Visakhapatnam DCCB operating in the
district during 2022-23.
09 godowns and drying yards have been sanctioned to
09 PACS in the Anakapalle district under the scheme.
b) PACS as MSC
This would create an additional storage space of 4500
MT in the district.

₹3000 crore has been sanctioned to AP State Civil

c) Credit facility to Federation
Supplies Corporation Ltd. for procurement operations.

2 Infrastructure

An amount of ₹517.21 crore was sanctioned for

A. Rural Infrastructure Development
implementing 295 projects in the district from RIDF
Fund(RIDF)
Tranche XXII to XXVII in the district.

Under RIDF XXIII and XXV, an amount of ₹739.90

lakh has been sanctioned for construction of 06
Agriculture Labs at 06 Assembly Constituencies for
enabling the farmers to test soil, seeds, pesticides and
a) Agriculture and allied Sector other inputs, 02 Aquaculture labs at Payakaraopeta
and Yelamanchili, 03 projects on Infrastructure
support to Area Veterinary Dispensaries and 08
projects on Infrastructure support to Rural Livestock
Units.
Under RIDF XXIII, an amount of ₹369.47 lakh and
₹218.84 lakh has been sanctioned to Anakapalli district
for L.B.P Agraharam L.I.Scheme on Right bank of
b) Irrigation Sector
Pedderu river in Butchyyapeta Mandal and Sankaram
L.I.Schemes on Urakagedda Reservoir in Madugula
Mandal respectively.
Under RIDF XXII to XXIV, an amount of ₹3959.76
lakh has been sanctioned for implementing 11 road
c) Connectivity (Roads and Bridges)
projects in the districts. This had improved the rural
connectivity.
Under RIDF XXIII to XXVII, an amount of ₹18383.40
lakh has been sanctioned for implementing 191 Social
Sector projects in the district. These projects include
d) Social Sector
providing additional infrastructure in schools, junior
colleges, 618 Single village systems for water supply,
construction of Anganwadi centers etc.

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Anakapalli District

B. NABARD Infrastructure 233 rural road projects have been sanctioned to

Development Fund (NIDA) APRDC during 2020-21 with an amount of ₹1158.53
crore.
a) Irrigation Nil
b) Drinking Water Nil
c) Warehouse Infrastructure Fund(WIF) Nil
d) Food processing Fund Nil

Developmental Interventions
3
under Farm Sector
a) TDF Nil
b) Watershed Nil
16 FPOs have been promoted in the district by
NABARD under various funds (PRODUCE, PODF and
CSS for 10,000 FPOs) supporting around 6000
farmers. The FPOs are providing wide range of services
c) FPO
to the farmers including sale of quality seeds, inputs,
renting out farm machinery, formation of JLGs,
encouraging organic farming, PGS certification,
marketing of produce, capacity building of farmers, etc.
During the last 05 years, 06 exposure visits had been
Important FSPF Projects, including carried out for nearly 150 farmers from Anakapalli
d)
CAT district to various training institutes across the
country.

3.Developmental Interventions under Farm Sector

e) Climate Change interventions Nil

Developmental Interventions
4
under Off- Farm Sector
Rural Haats / Rural Mart/ Gram
a)
Dukaan/Mobile Vans etc.
b) OFPOs
07 Rural Haats have been implemented in Vaddadi, V
Madugula, Kintali, Gunnempudi, Payakaraopeta, PS
Peta and Ravanapalli for strengthening of marketing
and storage infrastructure. The infrastructure is
providing basic facilities to the traders /farmers for
selling their produce. Further, 01 Rural Haat at
Kothakota is under construction. 02 Mobile vans for
marketing of produce has been given to 02 FPOs in
Anakapalli district.
Nil

In the last 05 years, 03 Skill Development programmes

c) Skill Development on masonery, four-wheel driving, was imparted to 90
rural youth in Anakapalli district.
d) GI interventions Nil
Developmental Inteventions
5
under micro credit

02 LEDP programmes, one each on Millet processing

a) LEDP and Diary development were imparted during 2022-23,
covering 180 SHG women.

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03 MEDPs one each on Jute bag, paper sweets and

b) MEDP adda leaf making was imparted to 90 SHG women in
Anakapalli district.

NABARD has extended support for conduct of

6 Financial Inclusion Initiatives
Any other
Financial Literacy camps and Street Plays through
various banks in the district and also for procuring
mobile demonstration vans by APGB and
Visakhaptnam DCCB Ltd. during 2022-23.
NABARD is supporting Visakhapatnam DCCB Ltd. and
NGOs with incentive for formation of Joint Liability
Groups (JLGs) in the district and helped in credit flow
to Animal Husbandry, Handlooms, Handicrafts and
MSME sectors.

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Annexure I
Activity wise/Block wise Physical and Financial Projections for 2024-25

State: Andhra Pradesh District: ANAKAPALLI (₹ lakh)

Activity SoF/ UNIT UNIT SIZE Anakapalli Chodavaram K Kotpadu Kotarautla Nakkapalli Narsipatnam SabbavaramYelamanchili TOTAL
COST
Agriculture
A A. Farm Credit
(i) Crop Production, Maintenance, Marketing
1 Paddy 1.06 Ha. Phy 7316 22433 9062 13298 12544 7930 2150 8951 83683
100.00% FA 7754.56 23779.20 9605.21 14096.34 13296.59 8405.59 2278.61 9487.89 88703.98
2 Bajra 0.42 Ha. Phy 64 286 80 0 0 0 722 458 1610
100.00% FA 26.89 120.32 33.61 0.00 0.00 0.00 303.15 192.24 676.20
3 Ragi (Plus Minor Millets) 0.42 Ha. Phy 25 68 0 2 0 0 51 14 160
100.00% FA 10.65 28.68 0.00 0.82 0.00 0.00 21.31 5.74 67.20
4 Sugarcane 1.98 Ha. Phy 10266 35162 10951 1980 834 2142 100 4544 65980
100.00% FA 20289.54 69494.85 21644.40 3913.03 1648.87 4234.31 197.02 8980.86 130402.87
5 Groundnut 0.79 Ha. Phy 0 150 397 39 6 18 25 2 637
100.00% FA 0.00 118.50 313.63 30.81 4.74 14.22 19.75 1.58 503.23
6 Gingelly 0.32 Ha. Phy 842 619 121 357 91 204 181 353 2768
100.00% FA
269.44 198.08 38.72 114.24 29.12 65.28 57.92 112.96 885.76
7 Coconut 1.16 Ha. Phy 338 56 48 183 4695 44 245 1319 6928
100.00% FA 392.08 64.96 55.68 212.28 5446.20 51.04 284.20 1530.04 8036.48
8 Vegetables 1.04 Ha. Phy
1545 1042 1082 548 1024 534 1670 539 7983
100.00% FA 1606.75 1083.52 1125.19 569.54 1064.99 555.65 1736.40 560.28 8302.32
9 Pulses 0.49 Ha. Phy 203 1843 865 2561 2862 988 233 1390 10945
100.00% FA
99.47 903.07 423.85 1254.89 1402.38 484.12 114.17 681.10 5363.05
10 Betel leaves 1.98 Ha. Phy
0 0 0 432 0 0 0 0 432
100.00% FA
0.00 0.00 0.00 855.36 0.00 0.00 0.00 0.00 855.36
11 Flowers 0.50 Ha. Phy 45 31 32 16 30 16 49 16 235
100.00% FA 22.74 15.33 15.92 8.06 15.07 7.86 24.57 7.93 117.50
12 Crop Loan - Misc ( Cashew + Banana 0.50 Ha. Phy
+ Mango + other fruits) 2015 1359 1411 714 1335 697 2177 703 10410
100.00% FA
1007.33 679.29 705.42 357.06 667.68 348.35 1088.61 351.26 5205.00
16 10% for Post harvest/household
consumption 3147.94 9648.58 3396.16 2141.24 2357.56 1416.64 612.57 2191.19 24911.89
17 20% for repairs/maintenance of
farm assets 6295.89 19297.16 6792.32 4282.49 4715.13 2833.29 1225.14 4382.37 49823.79
18 Produce Pledge Loans 8000.00 6000.00 6000.00 6000.00 6000.00 6000.00 7000.00 6000.00 51000.00

22659 63049 24049 20130 23422 12573 7602 18287 191771

Sub-Total - Short term Crop
loans 48923.27 131431.55 50150.11 33836.15 36648.34 24416.36 14963.42 34485.44 374854.63

Term Loans
(ii) Water Resources
1 DUG WELLS +PS 1.64 Nos. Phy 100 100 100 100 100 100 100 100 800

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Anakapalli District

State: Andhra Pradesh District: ANAKAPALLI (₹ lakh)

Activity SoF/ UNIT UNIT SIZE Anakapalli Chodavaram K Kotpadu Kotarautla Nakkapalli Narsipatnam SabbavaramYelamanchili TOTAL
COST
80.00% FA 130.88 130.88 130.88 130.88 130.88 130.88 130.88 130.88 1047.04
2 BORE WELL+ps 1.26 Nos. Phy 1000 1000 1000 1000 1000 1000 1000 1000 8000
80.00% FA 1008.80 1008.80 1008.80 1008.80 1008.80 1008.80 1008.80 1008.80 8070.40
3 FILTER POINTS+PS 0.54 Nos. Phy 30 30 30 30 30 30 30 30 240
80.00% FA 13.06 13.06 13.06 13.06 13.06 13.06 13.06 13.06 104.48
4 SHALLOW TUBE WELLS 3.89 Nos. Phy 200 160 160 160 80 160 160 80 1160
80.00% FA 622.56 498.05 498.05 498.05 249.02 498.05 498.05 249.02 3610.85
5 DIESEL MOTORS 0.50 Nos. Phy 2000 2000 2000 2000 2000 2000 2000 2000 16000
80.00% FA 800.00 800.00 800.00 800.00 800.00 800.00 800.00 800.00 6400.00
6 DRIP IRRIGATION 0.90 HM Phy 1000 1000 900 700 500 1000 800 500 6400
20.00% FA 179.60 179.60 161.64 125.72 89.80 179.60 143.68 89.80 1149.44
7 SPRINKLER IRRIGATION 0.33 Nos. Phy 900 900 800 600 500 950 700 400 5750
10.00% FA 29.79 29.79 26.48 19.86 16.55 31.45 23.17 13.24 190.33
8 PIPE LINE 0.27 Nos. Phy 2000 2000 2000 2000 2000 2000 2000 2000 16000
80.00% FA 432.00 432.00 432.00 432.00 432.00 432.00 432.00 432.00 3456.00
9 Artificial Recharge of Dried/ 0.44 Nos. Phy
Seasonally functioning borewells 1000 700 500 500 500 700 600 500 5000
80.00% FA 348.00 243.60 174.00 174.00 174.00 243.60 208.80 174.00 1740.00
TOTAL - WATER RESOURCES FA
3564.69 3335.78 3244.91 3202.37 2914.11 3337.44 3258.44 2910.80 25768.54

(iii) Farm Mechanisation

1 Tractors 8.50 Nos. Phy 500 400 400 400 400 450 400 500 3450
80.00% FA 3400.00 2720.00 2720.00 2720.00 2720.00 3060.00 2720.00 3400.00 23460
2 Power Tilers 2.50 Nos. Phy 527 1615 652 957 903 571 155 644 6025
80.00% FA 1053.42 3230.29 1304.82 1914.92 1806.28 1141.86 309.54 1288.88 12050
3 Paddy threshers 2.00 Nos. Phy 79 241 97 143 135 85 23 96 900
80.00% FA 125.89 386.03 155.93 228.84 215.85 136.45 36.99 154.02 1440
4 Paddy Transplanters 1.50 Nos. Phy 284 871 352 516 487 308 83 348 3250
80.00% FA 340.94 1045.49 422.31 619.77 584.60 369.56 100.18 417.15 3900
5 Land Levellers 3.60 Nos. Phy 5 5 5 5 5 5 5 5 40
80.00% FA 14.40 14.40 14.40 14.40 14.40 14.40 14.40 14.40 115
6 Paddy Straw Baler- Tractor operated 4.00 Nos. Phy
5 5 5 5 5 5 5 5 40
80.00% FA 16.00 16.00 16.00 16.00 16.00 16.00 16.00 16.00 128
7 Zero-till Seed Driller 0.50 Nos. Phy 10 10 10 10 10 10 10 10 80
80.00% FA 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00 32
8 Mini Custom hiring centres for 8.10 Nos. Phy
sugarcane 30 25 30 20 20 25 20 20 190
80.00% FA 194.40 162.00 194.40 129.60 129.60 162.00 129.60 129.60 1231
9 Combined Harvestor 20.00 Nos. Phy 10 10 10 10 10 10 10 10 80
80.00% FA 160.00 160.00 160.00 160.00 160.00 160.00 160.00 160.00 1280
10 Sugarcane combined harvestor 150.00 Nos. Phy 3 3 3 3 3 3 3 3 24
80.00% FA 360.00 360.00 360.00 360.00 360.00 360.00 360.00 360.00 2880
11 Miscellaneous equipment 1.00 Nos. Phy
(Transplanters/Sprayers, etc.) 350 250 200 200 200 200 200 200 1800
80.00% FA 280.00 200.00 160.00 160.00 160.00 160.00 160.00 160.00 1440
Sub-Total FA 5949.04 8298.20 5511.86 6327.52 6170.73 5584.28 4010.71 6104.06 47956
(iv) Plantation /Horticulture
1 Mango 2.00 Ha. Phy 187 149 124 157 218 148 122 158 1264

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Anakapalli District

State: Andhra Pradesh District: ANAKAPALLI (₹ lakh)

Activity SoF/ UNIT UNIT SIZE Anakapalli Chodavaram K Kotpadu Kotarautla Nakkapalli Narsipatnam SabbavaramYelamanchili TOTAL
COST
85.00% FA 318.24 252.96 210.12 267.24 371.28 250.92 208.08 269.28 2148
2 Cashew 1.65 Ha. Phy 90 375 450 105 450 375 90 270 2205
85.00% FA 126.23 525.94 631.13 147.26 631.13 525.94 126.23 378.68 3093
3 Coconut (TXD) 1.75 Ha. Phy 100 105 150 90 150 105 0 150 850
85.00% FA 148.75 156.19 223.13 133.88 223.13 156.19 0.00 223.13 1264
4 Oil Palm (DRIP) 3.75 Ha. Phy 30 150 90 90 60 90 45 150 705
85.00% FA 95.63 478.13 286.88 286.88 191.25 286.88 143.44 478.13 2247
5 Polyhouses 13.6500 1000 Sq.mt Phy 10 5 5 5 5 10 5 5 50
85.00% FA 116.03 58.01 58.01 58.01 58.01 116.03 58.01 58.01 580
6 Shadenets 0.010 Sq.mt Phy 1500 1500 1500 1500 1500 1500 1500 1500 12000
85.00% FA 12.75 12.75 12.75 12.75 12.75 12.75 12.75 12.75 102
7 Vegetables on Pandals 6.00 Ha. Phy 50 45 45 60 75 45 45 40 405
85.00% FA 255.00 229.50 229.50 306.00 382.50 229.50 229.50 204.00 2066
8 Farm Fresh Veg On Wheels 9.00 Nos Phy 30 30 30 30 30 30 30 30 240
85.00% FA 229.50 229.50 229.50 229.50 229.50 229.50 229.50 229.50 1836
9 TC Banana 2.45 Ha. Phy 45 45 45 45 45 45 45 45 360
85.00% FA 93.71 93.71 93.71 93.71 93.71 93.71 93.71 93.71 750
10 Papaya 1.20 Ha. Phy 50 50 50 50 50 50 50 50 400
85.00% FA 51.00 51.00 51.00 51.00 51.00 51.00 51.00 51.00 408
Horticulture Total 1446.83 2087.68 2025.72 1586.23 2244.25 1952.41 1152.22 1998.18 14494
11 Sericulture - Mulberry Plantation 9.50 Ha. Phy
0 0 0 0 0 0 0 0 0
85.00% FA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0
Sub-Total FA 1446.83 2087.68 2025.72 1586.23 2244.25 1952.41 1152.22 1998.18 14493.50

(v) FORESTRY AND WASTE LAND

DEVELOPMENT
1 Farm Forestry-Casuarina 0.714 Ha. Phy 0 0 110 140 0 0 0 0 250
0.85 FA 0.00 0.00 66.76 84.97 0.00 0.00 0.00 0.00 151.73
2 Waste Land Devt-Eucalyptus 0.645 Ha. Phy 0 0 110 23 0 0 0 0 133
0.85 FA 0 0 60.31 12.61 0 0 0 0 72.92
3 Agro Forestry-Teak 0.725 Ha. Phy 0 0 0 160 100 100 0 0 360
0.85 FA 0.00 0.00 0.00 98.60 61.63 61.63 0.00 0.00 221.86
4 OTHERS Misc-Bamboo 0.65 Ha Phy 0 0 0 0 0 0 0 0 0
0.85 FA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL FORESTRY AND FA
WASTE LAND DEVELOPMENT
0.00 0.00 127.07 196.18 61.63 61.63 0.00 0.00 446.51

(vi) Animal Husbandry(Dairy)

1 CB Cows (1+1) 1.65 2 animal unit
2000 1700 1700 1400 1500 1700 1600 1500 13100
90% 2970.00 2524.50 2524.50 2079.00 2227.50 2524.50 2376.00 2227.50 19453.50
2 CBC Mini dairy (5+5) 11.83 10 Animal
unit 250 200 175 175 175 175 175 200 1525
90% 2661.75 2129.4 1863.225 1863.225 1863.225 1863.225 1863.225 2129.4 16236.68
3 GMB (1+1) 2.03 2 animal unit
2500 2000 2000 1600 1800 2000 1800 1800 15500
90% 4567.5 3654 3654 2923.2 3288.6 3654 3288.6 3288.6 28318.50

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Anakapalli District

State: Andhra Pradesh District: ANAKAPALLI (₹ lakh)

Activity SoF/ UNIT UNIT SIZE Anakapalli Chodavaram K Kotpadu Kotarautla Nakkapalli Narsipatnam SabbavaramYelamanchili TOTAL
COST
4 GMB mini dairy (5+5) 13.44 10 Animal
unit 125 175 150 125 125 150 150 150 1150
90% 1512 2116.8 1814.4 1512 1512 1814.4 1814.4 1814.4 13910.40
5 CBC Calf-Rearing 0.44 No. 750 1500 1500 250 1000 1500 1000 625 8125
90% 297.00 594.00 594.00 99.00 396.00 594.00 396.00 247.50 3217.50
6 Gmb Calf Rearing 0.51 Nos. Phy 500 1000 750 500 500 750 500 500 5000
90% FA 229.50 459.00 344.25 229.50 229.50 344.25 229.50 229.50 2295.00
7 Fodder Cultivation 0.33 Ac. Phy 3500 3000 3000 3000 3000 3000 3000 3000 24500
90% FA 1039.50 891.00 891.00 891.00 891.00 891.00 891.00 891.00 7276.50
8 Vehicles For Gopal Mitras 0.70 Nos. Phy 100 100 100 100 100 100 100 100 800
90% FA 63.00 63.00 63.00 63.00 63.00 63.00 63.00 63.00 504.00
9 Indig. Milk Products 10.10 Nos. Phy 10 10 10 6 6 10 10 6 68
90% FA 90.90 90.90 90.90 54.54 54.54 90.90 90.90 54.54 618.12
10 Private Veterinary Clinic 3.10 Nos. Phy 5 4 4 3 3 4 5 3 31
90% FA 13.95 11.16 11.16 8.37 8.37 11.16 13.95 8.37 86.49
11 ZBNF Unit Non-descript cows
(selling milk, and products from
urine and dung) 1.12 2 animal unit Phy 1 1 1 1 1 1 1 1 8
90% FA 1 1 1 1 1 1 1 1 8.08
12 KCC Loans for Dairy farmers (2 0.70 UNIT SIZE Phy
animal) 700 800 500 600 500 800 600 500 5000
100.00% FA 490.00 560.00 350.00 420.00 350.00 560.00 420.00 350.00 3500.00
Total - Animal Husbandry (D)
13936.11 13094.77 12201.45 10143.85 10884.75 12411.45 11447.59 11304.82 95424.77

(vii) Animal Husbandry(P)

1 Commercial Layer (No.of birds in 506.67 Nos. Phy
lakh) 1 1 0 0 1 1 1 0 5
85.00% FA 430.67 430.67 0.00 0.00 430.67 430.67 430.67 0.00 2153
2 Commercial Broiler (No.of birds in 400.00 Nos. Phy
lakh)) 2 1 1 1 0 2 2 1 10
85.00% FA 680.00 340.00 340.00 340.00 0.00 680.00 680.00 340.00 3400
3 Egg / Chick. Carts 0.25 Nos. Phy 10 10 10 10 10 10 10 10 80
85.00% FA 2.13 2.13 2.13 2.13 2.13 2.13 2.13 2.13 17
4 Chicken Meat Outlet 10.00 Nos. Phy 10 10 7 7 5 10 7 5 61
85.00% FA 85.00 85.00 59.50 59.50 42.50 85.00 59.50 42.50 519
5 Transport vehicle open cages 8.00 Nos. Phy 10 10 10 10 10 10 10 10 80
85.00% FA 68.00 68.00 68.00 68.00 68.00 68.00 68.00 68.00 544
6 Mobile Marketing unit 10.10 Nos. Phy 2 2 2 2 2 2 2 2 16
85.00% FA 17.17 17.17 17.17 17.17 17.17 17.17 17.17 17.17 137
7 KCC Loans for Broiler (1000 birds) 1.00 UNIT SIZE Phy
500 300 200 0 200 200 300 300 2000
100.00% FA 500.00 300.00 200.00 0.00 200.00 200.00 300.00 300.00 2000.00
Total - Animal Husbandry ( P) FA
1782.97 1242.97 686.80 486.80 760.47 1482.97 1557.47 769.80 8770.21

(vii) Animal Husbandry(Sgp)

1 Sheep Rearing (20+1) 2.21 Nos. Phy 80 80 60 80 80 80 80 80 620
90.00% FA 159.12 159.12 119.34 159.12 159.12 159.12 159.12 159.12 1233
2 Goat Rearing (20+1) 1.98 Nos. Phy 80 80 60 60 80 80 80 80 600

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Anakapalli District

State: Andhra Pradesh District: ANAKAPALLI (₹ lakh)

Activity SoF/ UNIT UNIT SIZE Anakapalli Chodavaram K Kotpadu Kotarautla Nakkapalli Narsipatnam SabbavaramYelamanchili TOTAL
COST
90.00% FA 142.56 142.56 106.92 106.92 142.56 142.56 142.56 142.56 1069
3 Ram Lamb Rearing (Batch of 20) 1.20 Nos. Phy 90 90 90 90 90 90 90 90 720
90.00% FA 97.20 97.20 97.20 97.20 97.20 97.20 97.20 97.20 778
4 Pig Fattering (10+1) 0.36 Nos. Phy 20 0 20 0 0 0 20 0 60
90.00% FA 6.48 0.00 6.48 0.00 0.00 0.00 6.48 0.00 19
5 Others (Pig Breeding 3 Sows) 1.44 Nos. Phy 20 0 20 0 0 0 20 0 60
90.00% FA 25.92 0.00 25.92 0.00 0.00 0.00 25.92 0.00 78
6 Meat Outlets 5.10 Nos. Phy 25 25 15 15 15 20 15 15 145
90.00% FA 114.75 114.75 68.85 68.85 68.85 91.80 68.85 68.85 666
7 KCC Loans for Sheep (20+1) 0.39 UNIT SIZE Phy 300 300 300 300 300 300 300 300 2400
100.00% FA 115.50 115.50 115.50 115.50 115.50 115.50 115.50 115.50 924.00
8 KCC Loans for goat (20+1) 0.39 UNIT SIZE Phy 300 300 300 300 300 300 300 300 2400
100.00% FA 115.50 115.50 115.50 115.50 115.50 115.50 115.50 115.50 924.00
Total - Animal Husbandry (Sgp FA
) 777.03 744.63 655.71 663.09 698.73 721.68 731.13 698.73 5690.73

(ix) Fisheries
1 Inland Fish Farming ( New Ponds / 7.50 Ha. Phy
Tanks) 4 2 2 2 8 2 2 6 28
80.00% FA 24.00 12.00 12.00 12.00 48.00 12.00 12.00 36.00 168
2 Fishing craft and gill nets 0.60 No. Phy 0 0 0 0 500 0 0 200 700
80.00% FA 0.00 0.00 0.00 0.00 240.00 0.00 0.00 96.00 336
3 W.C. For Inland Fish / Scampi 7.41 Ha. Phy
Farming 15 15 15 0 30 15 0 25 115
80.00% FA 88.92 88.92 88.92 0.00 177.84 88.92 0.00 148.20 682
4 Shrimp culture 26.91 Ha. Phy 0 0 0 0 50 0 0 30 80
90.00% FA 0.00 0.00 0.00 0.00 1210.95 0.00 0.00 726.57 1938
5 Others (Aerators/Solar lights, etc.) 0.51 No. Phy
0 0 0 0 50 0 0 30 80
90.00% FA 0.00 0.00 0.00 0.00 22.95 0.00 0.00 13.77 37
6 Mechanised Boats For Marine 80.00 Nos. Phy
Fisheries 0 0 0 0 10 0 0 10 20
50.00% FA 0.00 0.00 0.00 0.00 400.00 0.00 0.00 400.00 800
7 Outboard Motors 1.00 Nos. Phy 0.00 0.00 0.00 0.00 40 0.00 0.00 30 70
80.00% FA 0.00 0.00 0.00 0.00 32.00 0.00 0.00 24.00 56
8 Non-mechanised Boats 1.00 Nos. Phy 0.00 0.00 0.00 0.00 50 0.00 0.00 50 100
80.00% FA 0.00 0.00 0.00 0.00 40.00 0.00 0.00 40.00 80
9 Nets 1.01 Nos. Phy 0 0 0 0 500 0 0 500 1000
80.00% FA 0.00 0.00 0.00 0.00 404.00 0.00 0.00 404.00 808
10 Replacement of engines 0.61 Nos. Phy 0 0 0 0 5 0 0 5 10
80.00% FA 0.00 0.00 0.00 0.00 2.44 0.00 0.00 2.44 5
11 Fish vending vehicles with ice boxes 0.75 Nos. Phy
30 30 30 0 100 30 40 100 360
50.00% FA 11.25 11.25 11.25 0.00 37.50 11.25 15.00 37.50 135
12 KCC Loans for composite fish culture 3.90 UNIT SIZE Phy
0 0 0 0 50 0 0 50 100
100.00% FA 0.00 0.00 0.00 0.00 195.00 0.00 0.00 195.00 390.00
Total Fisheries 124.17 112.17 112.17 12.00 2810.68 112.17 27.00 2123.48 5433.84

(x) Others

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Anakapalli District

State: Andhra Pradesh District: ANAKAPALLI (₹ lakh)

Activity SoF/ UNIT UNIT SIZE Anakapalli Chodavaram K Kotpadu Kotarautla Nakkapalli Narsipatnam SabbavaramYelamanchili TOTAL
COST
1 Bullocks / Other Drought Animals 0.50 Nos. Phy 40 40 40 40 40 40 40 40 320
90.00% FA 18.00 18.00 18.00 18.00 18.00 18.00 18.00 18.00 144
2 Bullock Carts 0.55 Nos. Phy 40 40 40 40 40 40 40 40 320
90.00% FA 19.80 19.80 19.80 19.80 19.80 19.80 19.80 19.80 158
3 Two Wheelers 0.85 No.s Phy 200 100 100 100 100 150 150 100 1000
90.00% FA 99.00 49.50 49.50 49.50 49.50 74.25 74.25 49.50 495
Total - Others FA 136.80 87.30 87.30 87.30 87.30 112.05 112.05 87.30 797
(xi) Integrated Farming system 2.08 Nos. Phy 240 210 140 0 210 210 200 210 1420
90.00% Fin 449.28 393.12 262.08 0.00 393.12 393.12 374.40 393.12 2658
Sub Total - Term Loans 28166.91 29396.62 24915.05 22705.32 27025.77 26169.18 22670.99 26390.28 207440.13
Total Farm Credit 77090.19 160828.17 75065.16 56541.48 63674.11 50585.53 37634.42 60875.72 582294.77

B Agriculture Infrastructure
(i) Construction Of Storage
Facilities
1 Storage Units 8.50 100 MT Phy 6 6 6 6 6 6 6 6 48
85.00% FA 43.35 43.35 43.35 43.35 43.35 43.35 43.35 43.35 346.8
2 Cold Storage Units 15.00 10 MT Phy 2 2 0 0 3 2 3 2 14
85.00% FA 25.50 25.50 0.00 0.00 38.25 25.50 38.25 25.50 178.5
3 Milk Chilling Plants 15.00 MT Phy 7 7 3 3 5 5 5 5 40
85.00% FA 89.25 89.25 38.25 38.25 63.75 63.75 63.75 63.75 510
4 Milk Transport Vehicles/Tankers 25.00 Nos. Phy 3 3 1 1 2 2 2 2 16
85.00% 63.75 63.75 21.25 21.25 42.50 42.50 42.50 42.50 340
5 Ripening Chambers(60 MT) 60.00 No. Phy 2 1 1 1 1 2 1 1 10
85.00% FA 102.00 51.00 51.00 51.00 51.00 102.00 51.00 51.00 510
6 Pack Houses 4.00 No. Phy 2 2 0 0 2 2 2 2 12
85.00% FA 6.80 6.80 0.00 0.00 6.80 6.80 6.80 6.80 40.8
Sub-Total FA 330.65 279.65 153.85 153.85 245.65 283.90 245.65 232.90 1926.10

(ii) Land Development, Soil Conservation, Watershed Development

1 LAND RECLAMATION 0.45 Ha. Phy 200 200 200 200 200 200 200 200 1600
0.9 FA 81.00 81.00 81.00 81.00 81.00 81.00 81.00 81.00 648
2 Farm Ponds 0.82 14'*14'*3' Phy 200 200 200 200 200 200 200 200 1600
0.9 FA 147.60 147.60 147.60 147.60 147.60 147.60 147.60 147.60 1180.8
3 Soil improvement by Silt App. 0.65 Ha. Phy 700 500 700 300 300 500 400 550 3950
0.9 FA 410.81 293.44 410.81 176.06 176.06 293.44 234.75 322.78 2318.15
4 Land Levelling 0.4 Ha. Phy 0 600 300 600 800 600 0 600 3500
0.9 FA 0.00 216.00 108.00 216.00 288.00 216.00 0.00 216.00 1260
5 Watershed Development 0.46 Ha. Phy 0 0 0 0 0 0 0 0 0
0.9 FA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0
Sub Total FA 639.41 738.04 747.41 620.66 692.66 738.04 463.35 767.38 5406.95

(iii) Others
1 Seed Processing - 5 TPH - P&M with 50.00 MT Phy
all assemblage 3 1 2 0 2 2 2 2 14
75.00% FA 112.50 37.50 75.00 0.00 75.00 75.00 75.00 75.00 525
2 Bio-Fertilizers/Pesticides Production 213 No. Phy
unit (200 tpa) 0 0 2 0 0 2 0 0 4
75.00% FA 0.00 0.00 319.50 0.00 0.00 319.50 0.00 0.00 639
3 Vermi hatchery (250 tpa) 14.89 Phy 5 5 2 4 4 5 4 5 34

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Anakapalli District

State: Andhra Pradesh District: ANAKAPALLI (₹ lakh)

Activity SoF/ UNIT UNIT SIZE Anakapalli Chodavaram K Kotpadu Kotarautla Nakkapalli Narsipatnam SabbavaramYelamanchili TOTAL
COST
75.00% FA 55.84 55.84 22.34 44.67 44.67 55.84 44.67 55.84 380
4 Vermi compost - mini (20 TPA) 3.41 No. Phy 60 55 50 50 50 60 35 55 415
75.00% FA 153.45 140.66 127.88 127.88 127.88 153.45 89.51 140.66 1061
5 NADEP Compost 0.18 10'X6'X3' Phy 60 60 50 60 60 50 60 50 450
0.9 FA 9.88 9.88 8.24 9.88 9.88 8.24 9.88 8.24 74
6 Fruit and Vegetable Waste / Agro 45 No. Phy
Waste Compost Production Unit (100
tpd) 2 0 2 2 0 0 2 0 8
75.00% FA 67.5 0 67.5 67.5 0 0 67.5 0 270
Sub Total FA 399.17 243.88 620.46 249.93 257.43 612.03 286.56 279.74 2949

Sub-Total - Agri Infrastructure

1369.23 1261.57 1521.72 1024.44 1195.74 1633.97 995.56 1280.02 10282.25

C Ancillary Activities
(i) Food And Agro Processing
1 Small units under agro based and 9.1 Nos. Phy
food based industries including
rice/flour/dal mills and bakery units
50 50 50 50 50 50 50 50 400
80% FA 364.00 364.00 364.00 364.00 364.00 364.00 364.00 364.00 2912
2 Medium and large units under agro 31 Nos. Phy
based and food based industries
20 20 20 20 20 20 20 20 160
80% FA 496.00 496.00 496.00 496.00 496.00 496.00 496.00 496.00 3968
3 Fruit and Vegetable processing 11 Nos. Phy 6 6 5 2 5 5 5 5 39
80% FA 52.8 52.8 44 17.6 44 44 44 44 343.2
4 Feed Mixing Plant 16 Nos. Phy 2 2 2 2 2 2 2 2 16
80% FA 25.6 25.6 25.6 25.6 25.6 25.6 25.6 25.6 204.8
5 Fish /Prawn Processing 30 Nos. Phy 0 0 0 0 20 0 0 10 30
80% FA 0.00 0.00 0.00 0.00 480.00 0.00 0.00 240.00 720
6 Cashewnut Processing 15 Nos. Phy 20 20 10 0 10 20 0 10 90
80% FA 240 240 120 0 120 240 0 120 1080
7 Spices Processing 1 Nos. Phy 0 0 0 0 0 5 0 0 5
80% FA 0 0 0 0 0 4 0 0 4
8 Seed processing plant 1.6 Nos. Phy 3 1 2 1 1 2 3 1 14
80% FA 3.84 1.28 2.56 1.28 1.28 2.56 3.84 1.28 17.92
9 Fish Processing units (WC) 100 Nos. Phy 0 0 0 0 3 0 0 1 4
80% FA 0.00 0.00 0.00 0.00 240.00 0.00 0.00 80.00 320
10 Jaggery Powder making 1 Nos. Phy 20 40.0 16.0 3.0 3.0 5.0 2.0 8.0 97
80% FA 16.00 32.00 12.80 2.40 2.40 4.00 1.60 6.40 77.6
11 Working capital 10 Nos. Phy 100 100 100 100 100 100 100 100 800
80% FA 80.00 80.00 80.00 80.00 80.00 80.00 800.00 80.00 1360.00
Sub-total 1278.24 1291.68 1144.96 986.88 1853.28 1260.16 1735.04 1457.28 11007.52
(ii) Others Phy
1 Loans To Coop. Societies Of 36.00 No. FA
Farmers/FPOs 3 2 2 1 2 2 2 1 15.00
100.00% 108.00 72.00 72.00 36.00 72.00 72.00 72.00 36.00 540.00
2 Agri-Clinics And Agri Business 21.00 No. Phy
Centres 1 1 0 0 1 2 0.00 0 5.00

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State: Andhra Pradesh District: ANAKAPALLI (₹ lakh)

Activity SoF/ UNIT UNIT SIZE Anakapalli Chodavaram K Kotpadu Kotarautla Nakkapalli Narsipatnam SabbavaramYelamanchili TOTAL
COST
100.00% FA 21.00 21.00 0.00 0.00 21.00 42.00 0.00 0.00 105.00
3 Loans to distressed persons to prepay 0.20 Phy
loans to non-institutional lenders
500 500 500 500 500 500 500 500 4000.00
100.00% FA 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 800.00
4 Loans To mfis For On-Lending 100.00 No. Phy 3 3 0 0 0 3 1 2 12.00
100.00% FA 300.00 300.00 0.00 0.00 0.00 300.00 100.00 200.00 1200.00
Sub-total 529.00 493.00 172.00 136.00 193.00 514.00 272.00 336.00 2645.00
Sub-Total - Ancillary Activities
1807.24 1784.68 1316.96 1122.88 2046.28 1774.16 2007.04 1793.28 13652.52

Total Agriculture 80266.66 163874.42 77903.84 58688.80 66916.13 53993.66 40637.02 63949.02 606229.54

II Micro, Small And Medium

Enterprises
(i) Manufacturing Sector - Term
Loan
1 Micro Industries 28.00 No. Phy 344 91 34 63 135 66 230 187 1150
75.00% FA 7233.70 1921.45 715.83 1318.64 2825.66 1393.99 4822.46 3918.25 24150
2 Small Industries 275.00 No. Phy 217 58 21 39 85 42 144 117 723
75.00% FA 44665.83 11864.36 4420.06 8142.21 17447.59 8607.48 29777.22 24193.99 149119
3 Medium Industries 950.00 No. Phy 10 0 0 0 0 0 10 10 30
75.00% FA 7125.00 0.00 0.00 0.00 0.00 0.00 7125.00 7125.00 21375
Sub Total 59024.53 13785.81 5135.89 9460.85 20273.25 10001.47 41724.69 35237.25 194644
(ii) Manufacturing Sector -
Working Capital *

1 Micro Industries 17.00 No. Phy 1000 0 0 0 0 0 1000 1000 3000

80.00% FA 13600.00 0.00 0.00 0.00 0.00 0.00 13600.00 13600.00 40800
2 Small Industries 70.00 No. Phy 500 0 0 0 0 0 500 500 1500
80.00% FA 28000.00 0.00 0.00 0.00 0.00 0.00 28000.00 28000.00 84000
3 Medium Industries 650.00 No. Phy 10 0 0 0 0 0 10 10 30
80.00% FA 5200.00 0.00 0.00 0.00 0.00 0.00 5200.00 5200.00 15600
Sub Total 46800.00 0.00 0.00 0.00 0.00 0.00 46800.00 46800.00 140400
(iii) Services Sector - Term Loan

1 Micro Industries 12.00 No. Phy 100 30 0 0 30 20 20 100 300

75.00% FA 900.00 270.00 0.00 0.00 270.00 180.00 180.00 900.00 2700
2 Small Industries 60.00 No. Phy 100 30 0 0 20 20 30 100 300
75.00% FA 4500.00 1350.00 0.00 0.00 900.00 900.00 1350.00 4500.00 13500
3 Medium Industries 600.00 No. Phy 50 0 0 0 0 0 0 50 100
75.00% FA 22500.00 0.00 0.00 0.00 0.00 0.00 0.00 22500.00 45000
Sub Total 27900.00 1620.00 0.00 0.00 1170.00 1080.00 1530.00 27900.00 61200
(iv) Services Sector - Working
Capital
1 Micro Industries 7.50 No. Phy 200 200 200 200 200 200 100 500 1800
80.00% FA 1200.00 1200.00 1200.00 1200.00 1200.00 1200.00 600.00 3000.00 10800
2 Small Industries 35.00 No. Phy 100 100 100 100 100 100 100 100 800
80.00% FA 2800.00 2800.00 2800.00 2800.00 2800.00 2800.00 2800.00 2800.00 22400
3 Medium Industries 120.00 No. Phy 50 0 0 0 0 0 0 50 100

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State: Andhra Pradesh District: ANAKAPALLI (₹ lakh)

Activity SoF/ UNIT UNIT SIZE Anakapalli Chodavaram K Kotpadu Kotarautla Nakkapalli Narsipatnam SabbavaramYelamanchili TOTAL
COST
80.00% FA 4800.00 0.00 0.00 0.00 0.00 0.00 0.00 4800.00 9600
Sub Total 8800.00 4000.00 4000.00 4000.00 4000.00 4000.00 3400.00 10600.00 42800
Total MSME 142524.53 19405.81 9135.89 13460.85 25443.25 15081.47 93454.69 120537.25 439043.75

III (A)Export Credit

1 Pre Shipment / Packing Credit 1500.00 No. Phy 2 0 0 0 1 1 1 1 6
80.00% FA 2400.00 0.00 0.00 0.00 1200.00 1200.00 1200.00 1200.00 7200
2 Post Shipment 3500.00 No. Phy 3 5 0 0 5 2 5 10 30
80.00% FA 8400.00 14000.00 0.00 0.00 14000.00 5600.00 14000.00 28000.00 84000
Total 10800.00 14000.00 0.00 0.00 15200.00 6800.00 15200.00 29200.00 91200.00

III (B)Education
1 Educational loans upto Rs.10 lakhs 5.00 No. Phy
300 100 100 100 100 200 200 100 1200
90.00% FA 1350.00 450.00 450.00 450.00 450.00 900.00 900.00 450.00 5400
2 Educational loans above Rs.10 lakhs 20.00 No. Phy
25 10 5 5 10 20 10 15 100
90.00% FA 450.00 180.00 90.00 90.00 180.00 360.00 180.00 270.00 1800
Total 1800.00 630.00 540.00 540.00 630.00 1260.00 1080.00 720.00 7200.00

III (C)Housing
1 Purchase/ construction of a dwelling unit 25.00 Phy 450 200 200 150 200 350 200 200 1950
80.00% FA 9000.00 4000.00 4000.00 3000.00 4000.00 7000.00 4000.00 4000.00 39000
2 Repairs to damaged dwelling units 6.00 Phy 150 100 100 100 100 150 100 100 900
80.00% FA 720.00 480.00 480.00 480.00 480.00 720.00 480.00 480.00 4320
Total 9720.00 4480.00 4480.00 3480.00 4480.00 7720.00 4480.00 4480.00 43320.00
Total Export, Education and Housing 22320.00 19110.00 5020.00 4020.00 20310.00 15780.00 20760.00 34400.00 141720.00
IV Renewable Energy
1 Solar Lantern/Home 0.45 Nos. Phy
Lighting/Invertors 10 10 10 10 10 10 10 10 80
50.00% FA 2.25 2.25 2.25 2.25 2.25 2.25 2.25 2.25 18
2 Solar Pumps 5.10 Nos. Phy 50 50 50 50 50 50 50 50 400
10.00% FA 25.50 25.50 25.50 25.50 25.50 25.50 25.50 25.50 204
3 Solar Dryers 3.10 Nos. Phy 10 20 5 5 20 20 10 20 110
80.00% FA 24.80 49.60 12.40 12.40 49.60 49.60 24.80 49.60 272.8
4 Solar Roof-top System (1 Kwh unit) 1.20 Nos. Phy
30 20 10 10 10 20 10 20 130
85.00% FA 30.60 20.40 10.20 10.20 10.20 20.40 10.20 20.40 132.6
Total FA 83.15 97.75 50.35 50.35 87.55 97.75 62.75 97.75 627.40

V Others
1 Loans to SHGs (incl. SHGBLP, 5.00 Phy
UCD,MEPMA) 1200 1500 1000 1400 1400 1200 800 800 9300
Fin 6000.00 7500.00 5000.00 7000.00 7000.00 6000.00 4000.00 4000.00 46500
2 Loans to JLGs 1.25 Phy 200 200 200 200 200 200 200 200 1600
100.00% FA 250.00 250.00 250.00 250.00 250.00 250.00 250.00 250.00 2000
Total 6250.00 7750.00 5250.00 7250.00 7250.00 6250.00 4250.00 4250.00 48500.00

VI Social Infrastructure

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State: Andhra Pradesh District: ANAKAPALLI (₹ lakh)

Activity SoF/ UNIT UNIT SIZE Anakapalli Chodavaram K Kotpadu Kotarautla Nakkapalli Narsipatnam SabbavaramYelamanchili TOTAL
COST
1 Construction of New school 41.00 Phy
buildings/Renovation of existing ones
2 1 1 1 1 2 1 1 10
80.00% FA 65.60 32.80 32.80 32.80 32.80 65.60 32.80 32.80 328.00
2 Construction of New Hospitals 31.00 Phy
buildings/Renovation of existing ones
2 1 1 1 1 2 1 1 10
80.00% FA 49.60 24.80 24.80 24.80 24.80 49.60 24.80 24.80 248.00
3 Water Purifying RO plants 11.00 Phy 15 15 10 10 10 15 15 15 105
80.00% FA 132.00 132.00 88.00 88.00 88.00 132.00 132.00 132.00 924
Total 247.20 189.60 145.60 145.60 145.60 247.20 189.60 189.60 1500.00
Total Priority Sector 251691.54 210427.58 97505.68 83615.60 120152.53 91450.09 159354.05 223423.61 1237620.69

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Annexure II
An Overview of Ground Level Credit Flow -Agency wise and Sector wise- for last three year and Target for current FY

State Andhra Pradesh

District Anakapalli Rs. lakh
Sr No 2020-21* 2021-22* 2022-23 2023-24
Target Ach. Target Ach. Target Ach. Target
1 Crop Loan
CBs 258420.00 260403.00 315000.00 393090.00 260313.01 291173.99 305838.25
DCCB 35920.00 44839.00 40000.00 50288.00 42760.76 46583.60 28864.58
RRBs 25660.00 29382.00 40000.00 42236.00 40443.43 17622.97 31809.31
Others 0.00 0.00 0.00 0.00 98.67 0.00 216.12
Sub-Total(A) 320000.00 334624.00 395000.00 485614.00 343615.87 355380.56 366728.27
2 Term Loan (MI+LT)
CBs 128100.00 97536.00 127618.00 120385.00 102084.22 185471.64 187774.80
DCCB 3900.00 2608.00 2500.00 549.00 7029.05 1589.31 17721.92
RRBs 11000.00 50276.00 35000.00 36258.00 18405.56 33592.90 19529.89
Others 0.00 0.00 0.00 0.00 0.76 327.92 132.69
Sub-Total(B) 143000.00 150420.00 165118.00 157192.00 127519.58 220981.77 225159.30
3 Total Agri. Credit
CBs 386520.00 357939.00 442618.00 513475.00 362397.23 476645.63 493613.05
DCCB 39820.00 47447.00 42500.00 50837.00 49789.81 48172.91 46586.51
RRBs 36660.00 79658.00 75000.00 78494.00 58848.98 51215.87 51339.20
Others 0.00 0.00 0.00 0.00 99.42 327.92 348.81
Sub-Total(C) 463000.00 485044.00 560118.00 642806.00 471135.45 576362.33 591887.57
4 MSME
CBs 599200.00 594973.00 658200.00 743189.00 262760.00 70195.25 121600.72
DCCB 0.00 0.00 0.00 0.00 0.00 0.00 136.82
RRBs 800.00 1293.00 1800.00 19396.00 9699.00 2391.00 4992.44
Others 0.00 0.00 0.00 0.00 1084.00 251.78 5770.12
Sub-Total(D) 600000.00 596266.00 660000.00 762585.00 273543.00 72838.03 132500.10
5 Other Priority Sector**
CBs 291950.00 238754.00 290500.00 248955.00 248955.00 426074.33 20665.92
DCCB 3050.00 0.00 0.00 0.00 0.00 4924.26 2200.00
RRBs 25000.00 41323.00 17000.00 41745.00 41745.00 38192.42 8121.13
Others 0.00 0.00 0.00 0.00 47.19 1081.17 535.84
Sub-Total(E) 320000.00 280077.00 307500.00 290700.00 290747.19 470272.18 31522.89
6 Grand Total(C+D+E)
CBs 1277670.00 1191666.00 1391318.00 1505619.00 874112.23 972915.21 635879.70
DCCB 42870.00 47447.00 42500.00 50837.00 49789.81 53097.17 48923.33
RRBs 62460.00 122274.00 93800.00 139635.00 110292.98 91799.29 64452.76
Others 0.00 0.00 0.00 0.00 1230.62 1660.87 6654.77
Grand Total 1383000.00 1361387.00 1527618.00 1696091.00 1035425.64 1119472.54 755910.56
* Data of Undivided Visakhapatnam district is given as Anakapalli was formed only in April 2022.
** OPS includes Export Credit, Education, Housing, Social Infrastructure, Renewable Energy

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ANNEXURE III
Sub-sectorwise and Agency wise credit flow under Agriculture and Allied Activities - for last three year and Target for current FY
District : Anakapalli
State : Andhra Pradesh (Rs. lakh)
Sl. No. Particulars Agencies/ 2020-21* 2021-22* 2022-23 2023-24 ( Target)
Activities CBs Coops. RRB Others Total CBs Coops. RRB Others Total CBs Coops. RRB Others Total CBs Coops. RRB Others Total
I Crop Loan 260403.00 44839.00 29382.00 - 334624.00 393090.00 50288.00 42236.00 - 485614.00 291173.99 46583.60 17622.97 0.00 355380.56 305838.25 28864.58 31809.31 216.12 366728.27
II Term Loan
1 Water Resources 16.00 0.00 0.00 - 16.00 146.00 6.00 0.00 - 152.00 0.00 0.00 0.00 0.00 0.00 20730.09 1956.48 2156.07 14.65 24857.28
2 Land Development 0.00 0.00 0.00 - 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 0.00 0.00 0.00 4349.74 410.52 452.40 3.07 5215.74
3 Farm Mechanization 527.00 9.00 0.00 - 536.00 2159.00 5.00 0.00 - 2164.00 3371.78 0.00 17652.25 0.00 21024.03 38579.62 3641.09 4012.55 27.26 46260.52
4 Plantation & Horticulture 6.00 0.00 0.00 - 6.00 93.00 6.00 0.00 - 99.00 0.00 0.00 0.00 0.00 0.00 11659.63 1100.42 1212.68 8.24 13980.97
including Sericulture

5 AH -Dairy Development 973.00 8.00 10.00 - 991.00 23166.00 44.00 12.00 - 23222.00 26278.82 0.00 1.35 0.00 26280.17 73950.96 6979.39 7691.42 52.26 88674.03
6 AH -Poultry Development 1323.00 399.00 0.00 - 1722.00 1591.00 238.00 0.00 - 1829.00 1510.59 0.00 0.00 0.00 1510.59 5446.45 514.03 566.47 3.85 6530.79

7 AH - Sheep / Goat / 97.00 0.00 0.00 - 97.00 297.00 2.00 0.00 - 299.00 0.00 0.00 0.00 0.00 0.00 3091.37 291.76 321.52 2.18 3706.84
Piggery Devt.
8 Fisheries Development 910.00 0.00 0.00 - 910.00 1269.00 0.00 0.00 - 1269.00 1565.44 0.00 0.00 0.00 1565.44 4057.63 382.95 422.02 2.87 4865.47
9 Forestry & Wasteland Dev. 0.00 0.00 0.00 - 0.00 94.00 0.00 0.00 - 94.00 0.00 0.00 0.00 0.00 0.00 359.21 33.90 37.36 0.25 430.72

10 Storage Godown & 1055.00 0.00 0.00 - 1055.00 197.00 0.00 0.00 - 197.00 0.00 0.00 0.00 0.00 0.00 12595.45 1188.74 1310.01 8.90 15103.11
Marketing Facilities
11 Agro and Food Processing 55559.00 22.00 30.00 - 55611.00 63706.00 0.00 39.00 - 63745.00 0.00 0.00 0.00 0.00 0.00 12654.66 1122.64 1147.37 7.15 14931.83

12 Others 37070.00 2170.00 50236.00 - 89476.00 27667.00 248.00 36207.00 - 64122.00 78102.33 627.03 17350.80 0.00 96080.16 300.00 100.00 200.00 2.00 602.00
Sub-total-II 97536.00 2608.00 50276.00 - 150420.00 120385.00 549.00 36258.00 - 157192.00 110828.96 627.03 35004.40 0.00 146460.39 187774.80 17721.92 19529.89 132.69 225159.30
III Grand Total (I+II) 357939.00 47447.00 79658.00 - 485044.00 513475.00 50837.00 78494.00 - 642806.00 402002.95 47210.63 52627.37 0.00 501840.95 493613.05 46586.51 51339.20 348.81 591887.57
* Data of Undivided Visakhapatnam district is given as Anakapalli was formed only in April 2022.

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Annexure IV
Indicative Unit Costs (for Major Activities of the District) 2023-24
State: Andhra Pradesh District: Anakapalli

S.No Activity Unit Unit Cost (₹) S.No Activity Unit Unit Cost (₹)
I Minor Irrigation V Sericulture
Mulberry Cultivation and
a. Bore Well No. 73000 a. Silkworm rearing shed Ac 960000
(Type I)
b. Submersible Pumpset No. 55400-91000 b. Twisting Unit (480 Spindles) No. 974400
Multi end reeling unit
c. Dugwell No. 71000-139000 c. No. 1674800
(10 basins)
Chawki Rearing Center
d. Drip Irrigation Mango Ha. 26000-41574 d. No. 1637300
(5000 DFLs per Batch)
Drip Irrigation
e. Ha. 68300-97300 VI Dairy Development
Banana/Papaya/Floriculture
f. Sprinkler Irrigation Ha. 20300-43480 a. CBCs - 2 animals No. 165400
g. Rainguns (90mm) No. 65600 b. GMBs - 2 animals No. 202600
Artificial recharge of dried Mini Dairy - CBCs
h. No. 44000 c. No. 487200
borewell (5 animals)
Mini Dairy - GMBs
II Land Development d. No. 581800
(5 animals)
Graded Bunding Mini Dairy - GMBs
a. Ac 12100 e. No. 1183300
(slope 2-10%) (10 animals)
Mini Dairy - CBCs
b. Gully Plug with Stone (5 m) No. 6300 f. No. 1344200
(10 animals)
Earthen Gully Plug with outlet
c. No. 3300 g. Calf Rearing - CBCs No. 43800
(6m)
Reclamation of saline/alkaline
d. ac 18300 h. Calf Rearing - GMBs Ha. 50800
soils
e. Tank Silt application ac 26400 i. Fodder Cultivation Ac 33000
Farm Ponds
f. No. 81700 j. ZBNF Non-descript Cows 1+1 112100
(14m x 14m 3m)
Farm Ponds Sheep, Goat and Piggery
g. No. 18700 VIII
(10m x 10m x 2m) Development
Barbed wire fencing cement poles - Sheep (20+1 units)
h. 231 a. No. 220800
per running meter Nellore breed
NADEP Compost Sheep (20+1 units)
i No. 18300 b. No. 197200
(10 x 6 x 3) Deccani breed
j Vermi Compost Hatchery 260 TPA No. 1489000 c. Ram lamb fattening No. 120000
Goat rearing (20+1 unit)
k. OFD works - 2% slope ac 27300 d. Osmani breed/Improved desi No. 198100
breed
l. OFD works - 3% slope ac 37400 b. Pig - Breeding unit (3+1) No. 144100
m. Vermi Compost unit (2 TPA) No. 30500 c. Pig - Breeding unit (10+1) No. 497400
III Farm Mechanisation d. Pig - Fattening unit (10) No. 35800
Tractor with accessories
a. No. 500000 - 750000 IX Bullocks & Bullock Carts
(30-45 HP)
b. Combine Harvester No. As per make/HP a. Bullocks (Pair) - Hallikar No. 80000
c. Power Tiller (6-12 HP) No. 60000 - 200000 b. Bullock Carts No. 40000 - 45000
Paddy Transplanter
d. No. 150000 - 300000 X Fisheries Development
(4, 6, & 8 rows)
Tractor with accessories Composite Fish Culture
f. No. 250000 - 450000 a. Ha. 565380
(15-25 HP) (2 Ha.)
Intensive Fish Culture (Catla &
j. Rotovator No. 100000 - 115000 b. Ha. 746900
Rohu)
Turmeric Cooking Machine (4 Fresh Water Prawn Farming in
k. No. 450000 c. Ha. 566000
drums) Ponds
Solar Fencing Renovation of Ponds for Fish
l. No. 60000 d. Ha. 600000
(5 line, 7 feet poles) Culture
Groundnut Decorticator - Hand
m. No. 9000 - 11000 e. Fish culture Ha. 1675900
Operated
n. Groundnut Decorticator No. 50000 - 150000 f. Mud crab culture in open ponds Ha. 672125
IV Plantation & Horticulture g. Crab culture Ha. 369000

77
 PLP FY 2024-25
Anakapalli District

Construction of Biofloc
a. Mango (7.5m x 7.5m) Ac 74000 h. No. 1400000
ponds for fish farming incl inputs

Purchase of Motor Cycle with ice-

b. Mango (5m x 5m) Ac 133000 i. No. 75000
box for retail fish marketing
Purchase of fishing craft and gill
c. Mango (4m x 3m) Ac 172000 j. nets for Riverine/Reservoir No. 60000
fishing
Renewable Sources of
d. Citrus Ac 76300 XI
Energy
e. Banana (Tissue Culture) Ac 97500 a. Solar Water Heater (ETC) Sq.m. 8000
f. Dragon Fruit Ac 626000 b. Solar Water Heater (FPC) Sq.m. 10000
g. Pomegranate Ac 87600 c. Solar Water Pumps Watt 190
Solar PV Power Plant
h. Jasmine Ac 68000 d. No. 49400000
(1 MW)
i. Guava (3m x 3m) Ac 140200 XII Storage Godowns
Rural Godown (50-1000 MT),
k. Sapota Ac 51900 a. MT 3500
Cost per MT
Rural Godown (50-1000 MT),
l. Apple Ber (5m x 5m) Ac 55400 b. MT 3000
Cost per MT
m. Creeper crops - Trellis system Ac 327000 XIII Integrated farming System
Mango + Vegetables + Cows
n. Cashew Ac 59500 a. Ac 443260
(1+1) + Goatery (5+1)
o. Coconut - East Coast Tall Ac 55300 b. Maize + Pulses + Sheep rearing Ac 329300
p. Oil Palm Ac 135329 c. Paddy + Fisheries + Poultry Ac 706250
XIV Poultry

Only cost of shed and equipments

need to be considered.
a. Contract Broiler farming Any Size 1. Thatch roof shed ₹110/sq.ft/ shed
2. Asbestos roof and local material – ₹190-210/sq.ft
3. Equipment (₹18-20/broiler)

1. Cost of Shed Construction - Asbestos – ₹190- 210/sq.ft;,

b. Independent broiler units
thatched roof
2. Equipment - ₹18-20/broiler
Large Units
3. Cost of DOC - ₹35-42
4. Cost of Feed - ₹38-40/kg
5. Cost of Misc. Expenses -₹15/bird (₹400-450/bird)

Depends upon the size:

1. Cost of Shed Construction-Raised Platform with asbestos sheet -
₹270-300/sq.ft
2. Cost of Equipment - (dep. upon quotation) - Cage system -
Any Size, preferably over ₹70/brooder & grower; ₹90/layer
b. Layer
50000 birds 3. Cost of DOC - ₹35-38/-
4. Cost of Feed - ₹28-32/- (brooder)/ ₹26-28/- (grower mash)/ ₹25-27
(layer mash) per kg
5. Cost of Misc expenses -₹18/-up to point of lay; ₹18
during lay (₹630-680/bird)

*For item-wise unit costs based on specifications, NABARD's Unit Cost Booklet may be referred to.

78
 PLP FY 2024-25
Anakapalli District
ANNEXURE V
Scales of Finance for Major Crops fixed by District Level Technical Committee for 2023-24
State : ANDHRA PRADESH District : Anakapalli
( Amt in Rs. and Unit in Acre)
Previous Year Range of Scale
Scale of
Irrigated/ Scale of of Finance Fixed
S No Name of the Crop Finance for
Unirrigated Finance 2022- for the year
2023-24
23 2023-24 SLTC
Kharif 2023
1 Paddy Irrigated 38,000.00 38000-42000 42,000.00
2 Paddy Unirrigated
3 Bajra Unirrigated 14,000.00 14000-17000 15,000.00
4 Maize Unirrigated 24,000.00 24000-26000 26,000.00
5 Jowar Unirrigated 18,000.00 17000-20000 20,000.00
6 Ragi Unirrigated 15,000.00 16000-18000 17,000.00
7 Pulses Unirrigated 15,500.00 17000-20000 17,000.00
8 Ground Nut Unirrigated 25,000.00 28000-32000 28,000.00
9 Gingiley Unirrigated 12,000.00 12000-13000 13,000.00
10 Sunflower Unirrigated 18,000.00 19000-24000 20,000.00
11 Chillies (Red) Unirrigated 76,000.00 80000-90000 84,000.00
12 Sugarcane(Plant) Irrigated 75,900.00 77000-80000 80,000.00
13 Sugarcane(Ratoon) Irrigated 66,000.00 66000-70000 70,000.00
14 Sugarcane(Plant) Unirrigated 44,000.00 49,000.00
15 Sugarcane(Ratoon) Unirrigated 44,000.00 49,000.00
16 Niger Unirrigated 5,000.00 5500 5,500.00
17 Mango Unirrigated 37,000.00 40000-45000 40,000.00
18 Coconut Unirrigated 37,000.00 44000-47000 40,000.00
19 Cashewnut Unirrigated 28,000.00 30000-35000 30,000.00
20 Banana (Ratoon) Irrigated 50,000.00 45000-60000 55,000.00
21 Banana (Tissue culture) Irrigated 95,000.00 105000-120000 105,000.00
22 Flowers Irrigated 40,000.00 40000-45000 44,000.00
23 Chillies (Red) Irrigated 66,000.00 80000-90000 80,000.00
24 Chillies (Green) Irrigated 60,000.00 68000-75000 68,000.00
25 Ginger Unirrigated 51,500.00 52000-56000 56,000.00
26 Turmeric Unirrigated 80,000.00 90000-100000 90,000.00
27 Potato Irrigated 36,000.00 40000-45000 40,000.00
28 Betel vine/ Betel Leaf Irrigated 70,000.00 75000-80000 77,000.00
29 Vegetables Irrigated 38,500.00 30000-42000 42,000.00
30 Oilpalm Irrigated 50,000.00 55000-60000 55,000.00
31 Papaya Irrigated 71,500.00 72000-75000 75,000.00
32 Pineapple Irrigated 26,000.00 25000-30000 28,600.00
33 Coffee+Pepper Unirrigated 22,000.00 25000(coffee) 25,000.00
34 Dragon Fruit Irrigated 200,000.00 50000-60000 60,000.00
Rabi 2023-24
1 Paddy Irrigated 40,000.00 42000-45000 44,000.00
2 Ragi Irrigated 17,000.00 16000-20000 19,000.00
3 Maize Irrigated 34,000.00 38000-42000 38,000.00
4 Groundnut Irrigated 30,000.00 32000-35000 33,000.00

79
 PLP FY 2024-25
Anakapalli District

5 Gingiley Irrigated 10,000.00 12000-13000 12,000.00

6 Chillies (Green) Irrigated 60,000.00 68000-75000 68,000.00
7 Sunflower Irrigated 15,750.00 19000-24000 19,000.00
8 Rajma Irrigated 15,500.00 17000-20000 17,000.00
9 Strawberry Irrigated 250,000.00 250000 250,000.00

80
 PLP FY 2024-25
Anakapalli District

ANNEXURE V (A)
Scales of Finance for Animal Husbandry fixed by District Level Technical Committee for
2023-24
State : ANDHRA PRADESH District : Anakapalli

Previous Year
Range of Scale of Finance Fixed
Scale of Scale of Finance for
S No Name of the Activity for the year 2023-24 by SLTC per
Finance 2022- 2023-24
production cycle
23
1 WC for Dairy- Cow 27000 30000-35000/animal/month 30000
2 WC for Dairy- Buffalo 30000 40000-45000/animal/month 40000
3 Sheep/Goat (20+1) 35000 38000-42000/annum 38500
4 Poultry - Broiler farming 70 ₹100 - ₹120 per bird per batch 100
5 Poultry - Layer 160 ₹200-225 per bird per annum 200

ANNEXURE V (B)
Scales of Finance for Fisheries fixed by District Level Technical Committee for 2023-24
State : ANDHRA PRADESH District : Anakapalli
( Amt in Rs. and Unit in Acre)
Previous Year
Range of Scale of Finance Fixed
Scale of Scale of Finance for
S No Name of the Activity for the year 2023-24 by SLTC per
Finance 2022- 2023-24
production cycle
23
1 Composite Fish culture 300000 390000-440000 390,000.00
Shrimp Culture - White 800000 780000-980000 880,000.00
2 Shrimp (Litopenaeus
vannamel
3 Crab Culture 200000 198000-220000 220,000.00
4 Prawn culture 300000 310000-330000 330,000.00
5 Brakish water - 310000-330000 310,000.00
6 Pangassius - 495000-550000 495,000.00
7 Tilapia culture - 330000-380000 330,000.00
8 Seabass culture - 410000-440000 410,000.00
9 Poly culture - 190000-220000 190,000.00

81
 PLP FY 2024-25
Anakapalli District

List of Abbreviations

ACP Annual Credit Plan DTPC District Tourism Promotion Council

ACABC Agri Clinic and Agri Business EDP Entrepreneurship Development
Centre Programme
ADS Area Development Scheme e-NAM e-National Agriculture Market
AEZ Agri. Export Zone FIF Financial Inclusion Fund
AH Animal Husbandry FLC Financial Literacy Centre
AMRUT Atal Mission for Rejuvenation and FLCC Financial Literacy and Credit Counselling
Urban Transformation Centres
AIF Agriculture Infrastructure Fund FM Farm Mechanization
AMI Agriculture Marketing FPF Food Processing Fund
Infrastructure
APMC Agricultural Produce Market FPO Farmer Producers’ Organization
Committee
APY Atal Pension Yojana FSPF Farm Sector Promotion Fund
APEDA Agricultural and Processed Food GCA Gross Cropped Area
Products Export Development
Authority
AI Artificial Insemination GCF Green Climate Fund
ATMA Agricultural Technology GIA Gross Irrigated Area
Management Agency
BC Business Correspondent GLC Ground Level Credit
BF Business Facilitator GoI Government of India
BLBC Block Level Banker’s Committee HYV High Yielding Variety
BPL Below Poverty Line ICT Information and Communications
Technology
BSBDA Basic Savings Bank Deposit IWMS Integrated Watershed Management
Account Scheme
CAT Capacity Building for Adoption of JLG Joint Liability Group
Technology
CBs Commercial Banks KCC Kisan Credit Card
CBS Core Banking Solution KVIB/KVIC Khadi and Village Industries Board/ Khadi
and Village Industries Commission
CCF Climate Change Fund KYC Know Your Customer
CDR Credit Deposit Ratio KVK Krishi Vigyan Kendra
CGTMSE Credit Guarantee Fund Trust for LBR Lead Bank Return
Micro and Small Enterprises
CISS Capital Investment Subsidy Scheme LDM Lead District Manager
CRAR Capital to Risk weighted Asset LEDP Livelihood and Enterprise Development
Ratio Programmes
DAP Development Action Plan LWE Left Wing Extremism
DBT Direct Benefit Transfer MEDP Micro Enterprise Development Programme
DDD-GKY Deen Dayal Upadhyaya-Grameen MFI Micro Finance Institution
Kaushal Yojana
DCCB District Central Cooperative Bank MIDH Mission for Integrated Development of
Horticulture
DCC District Consultative Committee MI Minor Irrigation
DCP District Credit Plan MNRE Ministry of New and Renewable Energy
DDM District Development Manager MNREGA Mahatma Gandhi National Rural
Employment Guarantee Act
DIDF Dairy Processing and Infrastructure MSME Micro, Small and Medium Enterprises
Development Fund
DLRC District Level Review Committee MoRD Ministry of Rural Development
DLTC District Level Technical Committee MSC Multi Service Centre
DRDA District Rural Development Agency NABARD National Bank for Agriculture and Rural
Development

82
 PLP FY 2024-25
Anakapalli District

NBFC Non-Banking Financial Company PPP Public Private Partnership

NDDB National Dairy Development Board PRI Panchayati Raj Institution
NEFT National Electronic Fund Transfer PWCS Primary Weavers Cooperative Society
NFDB National Fisheries Development RBI Reserve Bank of India
Board
NAFCC National Adaptation Fund for RIDF Rural Infrastructure Development Fund
Climate Change
NHB/ National Horticulture Board/ RNFS Rural Non-Farm Sector
NHM National Horticulture Mission
NIDA NABARD Infrastructure RKBY Rashtriya Krishi Bima Yojana
Development Assistance
NIA Net Irrigated Area RKVY Rashtriya Krishi Vikas Yojana
NRLM National Rural Livelihood Mission RRB Regional Rural Bank
NRM National Resource Management RUDSETI Rural Development & Self Employment
Training Institute
NSA Net Sown Area RSETI Rural Self Employment Training Institute
NSSO National Sample Survey SAMIS Service Area Monitoring and Information
Organisation System
NWR Negotiable Warehouse Receipt SAO Seasonal Agriculture Operation
OFPF Off-Farm Promotion Fund SCARDB State Cooperative Agriculture & Rural
Development Bank
OPS Other Priority Sector SDI Skill Development Initiative
PACS Primary Agricultural Cooperative SF/MF Small Farmer / Marginal Farmer
Society
PCARDB Primary Cooperative Agriculture & SFAC Small Farmers’ Agri-Business Consortium
Rural Development Bank
P&H Plantation & Horticulture SHG Self Help Group
PKVY Paramparagat Krishi Vikas Yojana SHPI Self Help Group Promotion Institution
PMFBY Pradhan Mantri Fasal Bima Yojana SIDBI Small Industries Development Bank of
India
PMJDY Pradhan Mantri Jan Dhan Yojana SMAM Sub Mission on Agricultural Mechanization
PMJJBY Pradhan Mantri Jeevan Jyoti Bima SLBC State level Banker’s Committee
Yojana
PMKVY Pradhan Mantri Kaushal Vikas SRI System of Rice Intensification
Yojana
PMMY Pradhan Mantri Mudra Yojana SRLM State Rural Livelihood Mission
PMRY Prime Minister's Rozgar Yojana StCB State Cooperative Bank
PMSBY Pradhan Mantri Suraksha Bima TDF Tribal Development Fund
Yojana
PMKSY Prime Mantri Krishi Sinchayee WDF Watershed Development Fund
Yojana
PODF Producer Organisation WDRA Warehousing Development and Regulatory
Development Fund Authority
POPI Producer Organisation Promoting WIF Warehouse Infrastructure Fund
Institution
POS Point of Sale WSHG Women Self Help Group
Note: The list is indicative. ROs may customize the Abbreviation List based on local needs /situation.

83
NABSAMRUDDHI FINANCE Limited
A Subsidiary of NABARD

The objec�ve of NABSAMRUDDHI is to provide Focus Segments Other Segments

credit facili�es to legal en��es for promo�on, Green Finance & Small Business
expansion, commercialisa�on and modernisa�on Wellness Microfinance
in off-farm & agri allied ac�vi�es, microfinance, (Renewable Energy, Transport
MSME, housing, educa�on, transport, etc. Electric Vehicle, Housing
Health care, WASH) Educa�on
Fabrics & tex�les Allied Agriculture
Handicra�s value chain Agri/Food processing
Registered Office:NABARD Regional Office, 1-1-61, RTC ‘X’ Road P.B. No. 1863, Hyderabad- 500020
040-23241155/56 www.nabsamruddhi.in
Corporate Office: NABARD, Gr. Floor, D Wing, Plot No. C-24, G Block, BKC, Bandra(East), Mumbai-400051
022-26539693 nabsamruddhi@nabard.org

NABFINS Limited
A Subsidiary of NABARD

A Non deposit taking systemically important NBFC - MFI - Middle Timely and adequate credit without collateral
Layer advancing hassle free services to the low income households Affordable interest rate in the sector
with the vision to become model MFI in the country
Insurance facility to borrowers and
Opera�ng with 325 Branches in 198 districts across 18 states with
co-obligants
ac�ve client base of appx. 7.34 lakh ac�ve borrowers
Financial products offered: Direct Lending of micro finance loans, Door step delivery of financial
Traders Loan and Ins�tu�onal loans. services

Registered Office: 3072, 14th Cross, K. R. Road, Banashankari 2nd Stage, Bengaluru – 560 070, Karnataka, India
080-26970500 ho@nabfins.org www.nabfins.org

NABKISAN FINANCE Limited

A Subsidiary of NABARD

Largest lender in FPO space Financing FPOs through

Present in 20+ States including North East Working Capital
2000+ FPOs credit linked Term loan
Collateral free lending at affordable rates Pledge Financing (eNWR)
Term lending for Corporates/ NBCs/ MFIs
So� loans for Agri Startups

Registered Office: C/o NABARD, Tamil Nadu RO, Chennai

044-28270138/28304658 finance@nabkisan.org
Corporate Office: C/o NABARD, Head Office, Mumbai
022-26539620/9514 corporate@nabkisan.org www.nabkisan.org

NABARD Consultancy Services Private Limited (NABCONS)

A wholly owned Subsidiary of NABARD

OFFERS SERVICES PROVIDED

CONSULTANCY
Project Management Consultancy Third Party Skills & Livelihood
AND ADVISORY
SERVICES IT based Natural Resources Infor- Monitoring Development
Pan India ma�on Systems Climate Change & Prepara�on of Detailed
Presence with Feasibility, Socio-economic & Sustainability Project Reports (DPRs)
offices in 31 Impact Evalua�on Studies Value Chain Transac�on Advisory
States / UTs Development Services

Registered Office: NABCONS, 3rd Floor, C wing, NABARD, Plot No. C-24, G Block, BKC, Bandra (East), Mumbai-400051
022-26539419 headoffice@nabcons.in
Corporate Office: NABCONS, 7th Floor, NABARD Tower, 24, Rajendra Place, New Delhi – 110125
011-41538678/25745103 www.nabcons.com
NABVENTURES Limited
A wholly owned Subsidiary of NABARD

NABVENTURES Ltd., a Company regi- Investment focus: Start-ups/MSMEs opera�ng in/with

stered under the Companies Act,
2013, with a paid-up capital of INR 25
crore, is the Sponsor and Investment
Manager of NABVENTURES Fund-I, a
SEBI-registered Category II Alterna�ve
Investment Fund (AIF), with a base
corpus of INR 500 crore and greenshoe
op�on of INR 200 crore.
Sectors: Agri-tech, rural fin-tech, food-tech, health-tech and
edu-tech, with a rural focus
Stage: Pre-Series A (INR 5-20 cr.) & Series A (INR 20-50 cr.)
Model: Asset-light, technology-led models, which can be quickly
scaled up across geographies
As on 31 March 2023:
Corpus raised: INR 598 crore
Investments made: INR 190.86 crore in 10 start-ups

Registered Office: NABARD, 2nd Floor, A Wing, Plot No. C-24, G Block, BKC, Bandra (East), Mumbai-400051
nabventure@nabard.org 022-26539149 www.nabventure.in

Leveraging the power of convergence

NABFOUNDATION is a wholly owned, not for profit, subsidiary of NABARD, established under Sec 8
of Companies Act, 2013. The organiza�on draws its strength and experience from the thousands of
development projects grounded by its parent body, NABARD, in mul�ple domains over nearly last
four decades.

What does NABFOUNDATION want from you ?

IF YOU ARE AN INDIVIDUAL
Reach out to us with your ideas about development
projects which you believe need to be implemented.
We really look forward to your fresh ideas.
IF YOU ARE A CSR UNIT
Of a corporate and believe that there is a scope for
collabora�ng with us to have access to the vast
network of resources of NABARD in a structured
manner, just give us a call.
IF YOU ARE A CIVIL SOCIETY
ORGANIZATION/NGO
With an idea whose �me you think has come
and have not been able to find willing partners,
reach out to us.
IF YOU ARE WITH THE GOVERNMENT
And believe that there is a need for reimagining
implementa�on of your Central or State govern-
ment projects, allow us to be a part of your vision.

Registered Office: NABARD, 4th floor, E wing, Plot No. C-24, BKC, Bandra (East), Mumbai-400051
nabfounda�on@nabard.org 022-26539404/9054 www.nabfounda�on.in

NABSanrakshan Trustee Private Limited

A wholly owned Subsidiary of NABARD
Building Trust for Rural Prosperity

Offers credit guarantee against the credit offered by the Eligible Lending Ins�tu�ons, through the Trusts (Funds)
under its Trusteeship
Two sovereign Credit Guarantee Schemes offered are:
Credit Guarantee Scheme for FPO Financing
Credit Guarantee Scheme for Animal Husbandry and Dairying
More than 700 FPOs provided credit guarantee �ll 31 March 2023 covering nearly 6.14 lakh farmers across 19 states
Opera�ons carried through Credit Guarantee Portal

Registered Office: NABARD, C- 24, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051
022-26539243/9241 ho@nabsanrakshan.org www.nabsanrakshan.org