Annual Credit Plan 2016-17

ANNUAL CREDIT PLAN 2016-17

SOUTH GOA DISTRICT

EXECUTIVE SUMMARY

South Goa district is predominantly service oriented economy comprising of 7 blocks and an excellent network of Banks to serve a population of 6.40 lakhs. The main economic activities of the district are tourism, fishing and agriculture, which include Eco-tourism. The Annual Credit Plan for 2016-17 has been prepared for Rs 3038.53 crores which compares with the projections made by NABARD in its PLP for the year.

As per the provisions in the Prioirity Sector Guidelines of RBI, the categories under priority sector have been reclassified as (i) Agriculture (2) Micro, Small and Medium Enterprises (iii) Export Credit (iv) Education (v) Housing, (vi) Social Infrastructure, (vii) Renewal Energy and (viii) Others.

AGRICULTURE:

Crop Loan:

In South Goa district the cultivation of crops is a neglected sector and is mainly for subsistence purpose. Paddy is major food crop of the district followed by ground nut & ragi. The State Government has proposed a number of measures to revive the interest in agriculture and give an additional thrust to agriculture and activities allied to agriculture. Due to urbanization, high labor cost, high returns from tourism and fragmented land holdings has put agriculture in secondary state. The credit off take under crop loans is expected to increase by only 1.6% as compared to 2015-16.

Agri & Allied Term Loans:

The growth in agri. and allied term loans is hampered by lack of proper title deeds for creating mortgage and non availability of collateral security. The State Govt is now providing lot of subsidy to farmers and this may result in increase in terms loans in minor irrigation, land development, farm mechanisation, horticulture, dairying, fisheries etc.

Minor Irrigation:

Agriculture in the district is mostly dependent on the South West monsoon (3500 mm) from June to September. The average annual rainfall of the district is about 3110 mm. Only 37% of the gross cropped area of the district is irrigated and demand for creation of irrigation structures will rise in the coming years. Further, all the seven blocks in the district are classified under “Safe” category, allowing unrestricted exploitation of ground water.

Farm Mechanization:

In view of the severe shortage and high cost of labour for carrying out agricultural activities, the Farm Mechanization is gaining importance in the district. State Government subsidy is available for power tillers, paddy transplants and other equipments like combine harvesters.

Plantation/Horticulture:

The agro climatic conditions of the District are conducive for cultivation of a variety of horticultural crops like cashew, coconut, areca nut, mango, oil palm, poly house culture of flowers and exotic flowers, vegetables, kokum, spices like pepper (inter-cropping), mushroom, etc. The subsidy scheme for poly houses for vegetables and fruits is an added attraction to go for such investments.

Animal Husbandry – Dairy, Poultry, Goat & Piggery Development:

After the introduction of the Kamdhenu Scheme, the Dairy unit has got a boost which provides 90% subsidy on cost of purchase of animals. There is ample scope for dairy farming in the District as around 50% of the present demand for milk in the State is met by importing milk from neighbouring states. Poultry, goat and piggery development is also on the rise.

Fisheries Development:

Fish is the chief component in the diet of 90% of the population of Goa and South Goa being a coastal block, fishing is one of the major activities. Three out of the seven blocks of South Goa district viz. Mormugao, Salcete, and Canacona are along the coastline occupying 60% of the total coastline of the State. State Government has announced some special schemes for installing power blocks on mechanized boats. Ne activities like marine and fresh water cage fisheries, mussel farming etc. which is expected to attract bank credit.

Storage/Godowns/Market Yards:

Promoting agriculture and allied activities have to be complemented by creation of adequate storage and marketing infrastructure. As there is little surplus in the district, requirement of storage facilities would be primarily for storing of perishables brought from other States and for storing of cashew to ensure continuous supply to processing industries. With the amendment of APMC, there are incentives for setting up of private market yards. Keeping this in view, a credit potential of Rs. 348.56 crores has been projected.

Non-farm Sector:

The sector consists of small scale industries, cottage & village industries, artisans, handicrafts, etc. The district offers good scope for setting up of industries, particularly ancillary industries and handicrafts. Adequate power supply and incentives provided by the State Govt. has been playing a crucial role in sustaining this sector. Besides, rural non farm sector holds the key to prevent migration of urban unemployed to urban areas.

Other Priority Sector:

Service sector activities contribute the major portion of State’s GDP. Tourism and mining together are creating sizeable employment and capital formation in service sector activities like transportation, rural housing, hospitality, retail trade and business, communication, education, self employed, professionals etc. The new industrial policy is expected to have a positive impact on the future lending in the district and therefore a credit of Rs.1188.15 crores is allotted under this sector.

*****

BROAD SECTOR-WISE ACP PROJECTIONS

(2016-2017)

(In lacs)

Sr. No. / Sectors / Financial Projections

A

Farm Credit

i

Crop production, Maintenance & Marketing

/ 16818.12

ii

Term Investment forAgriculture Allied activities

/ 19919.58

Sub Total

/ 36737.70

Agriculture Infrastructure

/ 1737.54

Ancillary Activities

/ 1833.54

Credit Potential for Agriculture (A+B+C)

/ 40308.78

Micro, Small and Medium Enterprises

/ 136477.50

III

Export Credit

/ 33750.00

Education

/ 10440.00

Housing

/ 74625.00

Renewable Energy

/ 384.40

VII

Others

/ 2951.25

VIII

Social Infrastructure involving Bank Credit

/ 4916.25

Total Priority Sector (I to VIII)

/ 303853.18

ANNUAL CREDIT PLAN: SOUTH GOA DISTRICT

CHAPTER: I

DISTRICT PROFILE

South Goa district consist of seven blocks, 162 villages and one Zilla Panchayat. The district has two Revenue Sub-Divisions consisting of 5 blocks (Mormugao, Salcete, Quepem ,Ponda and Canacona) Sanguem and Dharbandora . There are 8 Municipal Councils at Canacona, Quepem, Vasco, Cuncolim, Curchorem, Margao, Ponda and Sanguem.

GEOGRAPHICAL LOCATION AND AREA

Location:

The geographical area of South Goa district is 2239 sq km covers around half of the Goa State situated at the West Coast of India.

Boundaries:

In the north by River Zuari, in the east by Belgaum district of Karnataka State, in the South by Uttar Kanara District of Karnataka and in the west by Arabian Sea.

Topography:

The altitude of landscape ranges between 20 mts. to 62 mts. above sea level.

Hills and Rivers:

There are many hills in Sanguem, Quepem and Canacona Talukas. There are two perennial rivers viz Zuari, Galgibag and three ephemeral rivers viz Sal, Saleri and Talpona.

Climate:

The Climate of the district is warm and humid. The temperature varies from 18 degree centigrade to 37 degree centigrade. Humidity on an average is 75.9 %.

Rainfall:

Heavy rains in the monsoon varying from 2900 mm. to 3100 mm

Population:

i) / Male / 322463
ii) / Female / 318074

Total geographical area and area under forest:

i) / Total Geographical Area / 193677
ii) / Forest / 90431

SOIL: Mostly laterite, sandy loam to silt loam

LAND UTILISATION PATTERN:

1. Khazan Land: Low lying areas, often below sea level along the estuaries. Mostly paddy crop is grown in kharif followed by Rabi vegetable.

2. Khar Land: - Low elevation above sea level having high water table. Sandy to sandy loam soil. Multiple cropping is undertaken through irrigation.

3. Morod Land: - Upland terraced- field suitable for Horticulture & Plantation.

MAJOR CROPS GROWN DURING 2016-17

Sr.No. / Block / Millets Paddy / Oilseeds
Ground nut / Pulses
Area (Ha) / Production / Area(Ha) / Production
1 / Sanguem / 860 / 3035 / - / -
2 / Dharbandora
3 / Canacona / 2518 / 8395 / 6 / -
4 / Quepem / 3238 / 10543 / 14 / -
5 / Ponda / 6192 / 22687 / 12 / -
6 / Salcete / 420 / 1556 / 5 / -
TOTAL / 13228 / 46216 / 37 / 0

SUGARCANE

Sr no. / BLOCK / Area / Production
1 / Sanguem / 513 / 28035.92
2 / Dharbandora
3 / Canacona / 73.87 / 3883.14
4 / Quepem / 188.38 / 11165.25
5 / Salcete / 3.8 / 90.7
TOTAL / 779.05 / 43175.01

IRRIGATION:

All the 7 blocks in South Goa District are categorized as “Safe” in Ground water Development. As per the Master Plan for Development of Ground water prepared by the the Central Ground Water Board, 132.74 mcm of ground water potential could be exploited in the entire state. The Survey Report also indicates excellent groundwater properties in the laterite formation which forms most of the aquifer in the area. Small rivers, streams, tanks etc. provide good potential for small lift irrigation Schemes. The basins of Madai and Valvanta rivers are the main areas suitable for Lift Irrigation Projects.

Out of the total cultivable area of 193677 lac ha, 23357 ha is under irrigation. District is having one major irrigation project namely Salaulim Irrigation Project and two medium irrigation Project namely Chapoli Irrigation Project and Paroda Irrigation Project with the total command area of 9686 ha. Area irrigated by wells is about 3774 ha. Keeping in mind the increasing demand for water, the Water Resources Department,Government of Goa also provides 50% subsidy for construction of roof top rain water harvesting schemes of individuals’ residential and commercial complexes.

FISHERY

There is large untapped potential in fisheries and aquaculture in the District. River length of 120 Kms is available for the fishery activity. Length of coastline is 104 kms. The total fishermen population of Goa is about 10545 of which 64% is located in South Goa. South Goa accounts for 58% of the marine catch of the State. There is ample scope for fishery in the district mainly marine fishing project and other medium projects. As per the district statistical data, the area brought under fisheries is as per below:

No of reservoirs: One major irrigation project : 2000 ha

Water spread area suitable for fisheries : 100 ha.

TRANSPORT AND COMMUNICATION:

South Goa is well connected by road, rail, sea and air. Two National highways viz. NH 17 and NH 4A pass through the district. The Konkan Railway and South Central Railway passes through the district which connects the district headquarters with Karnataka and Maharashtra. A major cargo handling Port is at Mormugao. Dabolim Airport connects the State with major cities in the country and also connects with many of the international cities.

RAILWAY

Total length of Broad gauge railway line passing through the district is 55 kms. There are 8 major railway stations in the districts. The district head quarter is well linked with broad gauge railway line to major cities like Mumbai, Pune, Bangalore, Hyderabad, Delhi etc.

AIR

Goa is directly connected by air to major cities of India and internationally through Mumbai. It serves as an entry point for many tourists.

POST AND TELEGRAPH

There are 96 Post Offices and 6 Telegraphic Offices in the district. Out of total 158 villages, 70 villages are having post Office facility.

MARKETING AND PROCESSING UNITS:

There is one market yard at Margao and two super market yards at Curchorem and Canacona. There is one Sugar factory under co-operative sector at Dharbandora.

INDUSTRIAL DEVELOPMENT:

The State Govt has rolled out a new Industrial Policy viz “Goa Investment Policy 2014’ one of the objectives of the policy is to create 50000 jobs in the next 5 years and facilitating Rs.25000 crores of new investments in Goa. Industrial growth estates are located at Verna, Sancoale, Kakoda, Sanguem, Cuncolim, Canacona and Margao.

Location / No. Of Units functioning / Employment Generated
Sancoale / 138 / 2200
Verna / 315 / 16000
Kakoda / 42 / 2000
Sanguem / 1 / 140
Cuncolim / 83 / 1800
Canacona / 30 / 300
Margao / 113 / 1200
TOTAL / 722 / 23640

The main sources of employment in the district are tourism, mining, transport and export of ore. Large reserves of iron ore, manganese and bauxite are found in the district. The District is having potential of increase in cottage, Village industries, rural artisans, tiny Industries etc. The cottage industry mainly comprise wood carving, blacksmiths, carpenters, bamboo and cane works, coir work, handicrafts, embroidery /crochet, pottery etc. Agro processing units include cashew processing units and a cooperative sugar factory.

INDUSTRIAL CLUSTER SCENARIO OF THE DISTRICT:

There is no industrial cluster in the district.

SPECIAL ECONOMIC ZONE (SEZ):

There is no SEZ identified in the district. All the 13 Industrial estates are owned by Govt. of Goa and there is no Cooperative Industrial Estate in the District/State.

BANKING INFRASTRUCTURE:

The District has good network of bank branches. The position of bank branches as on 31.03.2016 is as under:

Particulars / Urban / Semi-urban / Rural / Total
Commercial Banks / - / 196 / 138 / 334
District Central Coop Bank / - / 56 / 22 / 78
TOTAL / - / 252 / 160 / 412

The area wise details of branches of Urban Cooperative banks are as under:

Name of the Co-operative Bank / Urban / Semi-urban / Rural / Total
Bicholim Urban Co-op Bank Ltd. / - / 4 / 0 / 4
Citizen Co-op Bank Ltd. / - / 5 / 0 / 5
Goa State Co-op Bank Ltd. / - / 12 / 18 / 30
Goa Urban Co-op Bank Ltd. / - / 8 / 1 / 9
Madgaon urban Co-op Bank Ltd. / - / 7 / 0 / 7
Mapusa Urban Co-op Bank Ltd. / - / 6 / 3 / 9
NKGSB Co-op Bank Ltd. / - / 3 / 0 / 3
P&M Co-op Bank Ltd. / - / 3 / 0 / 3
Saraswat Co-op Bank Ltd. / - / 4 / 0 / 4
Shamrao Vithal Co-op Bank Ltd. / 1 / 0 / 1
TJSB Sahakari Bank Ltd. / - / 2 / 0 / 2
GP Parsik Janata Sahakari Bank Ltd. / - / 1 / 0 / 1
TOTAL / - / 56 / 22 / 78

BLOCKWISE BRANCHES OF BANKS IN SOUTH GOA DISTRICT AS ON 31.03.2016

Sr. No. / Name of the Bank (Total No. of branches in bracket) / SALCETE / QUEPEM / MORMU
GOA / SANGUEM / CANACONA / DHARBAN
DORA / PONDA / Total No.
Of Branches
1 / STATE BANK OF INDIA / 14 / 5 / 11 / 1 / 5 / 2 / 8 / 46
2 / STATE BANK OF MYSORE / 1 / 0 / 0 / 0 / 0 / 0 / 1 / 2
3 / STATE BANK OF TRVANCORE / 1 / 0 / 0 / 0 / 0 / 0 / 0 / 1
4 / STATE BANK OF HYDERABAD / 0 / 0 / 0 / 0 / 0 / 0 / 1 / 1
5 / ALLAHABAD BANK / 1 / 0 / 1 / 0 / 0 / 0 / 1 / 3
6 / ANDHRA BANK / 1 / 0 / 1 / 0 / 0 / 0 / 0 / 2
7 / BANK OF BARODA / 11 / 0 / 3 / 1 / 0 / 0 / 2 / 17
8 / BANK OF INDIA / 10 / 1 / 5 / 1 / 1 / 1 / 5 / 24
9 / BANK OF MAHARASHTRA / 3 / 0 / 1 / 0 / 1 / 0 / 4 / 9
10 / CANARA BANK / 11 / 3 / 7 / 0 / 1 / 1 / 7 / 30
11 / CENTRAL BANK OF INDIA / 10 / 3 / 2 / 1 / 1 / 0 / 1 / 18
12 / CORPORATION BANK / 14 / 2 / 5 / 0 / 3 / 1 / 6 / 31
13 / DENA BANK / 2 / 1 / 1 / 0 / 0 / 0 / 1 / 5
14 / INDIAN BANK / 2 / 0 / 2 / 0 / 0 / 0 / 1 / 5
15 / INDIAN OVERSEAS BANK / 10 / 1 / 3 / 0 / 0 / 0 / 4 / 18
16 / ORIENTAL BANK OF COMMERCE / 1 / 0 / 1 / 0 / 0 / 0 / 1 / 3
17 / PUNJAB NATIONAL BANK / 1 / 0 / 2 / 0 / 0 / 0 / 2 / 5
18 / SYNDICATE BANK / 4 / 2 / 2 / 0 / 1 / 0 / 2 / 11
19 / UCO BANK / 2 / 0 / 3 / 0 / 0 / 0 / 3 / 8
20 / UNION BANK OF INDIA / 4 / 0 / 1 / 1 / 0 / 1 / 1 / 8
21 / UNITED BANK OF INDIA / 1 / 0 / 1 / 0 / 0 / 0 / 0 / 2
22 / VIJAYA BANK / 2 / 0 / 1 / 0 / 0 / 0 / 1 / 4
23 / IDBI BANK LTD / 3 / 0 / 1 / 0 / 0 / 0 / 1 / 5
24 / AXIS BANK LTD. / 2 / 0 / 1 / 0 / 0 / 0 / 1 / 4
25 / CATHOLIC SYRIAN BANK LTD. / 1 / 0 / 0 / 0 / 0 / 0 / 0 / 1
26 / DCB BANK LTD. / 1 / 0 / 1 / 0 / 0 / 0 / 0 / 2
27 / FEDERAL BANK LTD. / 1 / 0 / 1 / 0 / 0 / 0 / 1 / 3
28 / HDFC BANK LTD. / 14 / 2 / 8 / 1 / 2 / 0 / 4 / 31
29 / ICICI BANK LTD. / 8 / 1 / 3 / 0 / 1 / 1 / 2 / 16
30 / INDUSIND BANK LTD. / 1 / 1 / 0 / 0 / 0 / 0 / 0 / 2
31 / KARNATAKA BANK LTD. / 1 / 0 / 1 / 1 / 0 / 0 / 1 / 4
32 / KOTAK MAHINDRA BANK LTD. / 1 / 0 / 1 / 0 / 0 / 0 / 0 / 2
33 / RBL BANK LTD. / 1 / 0 / 0 / 1 / 0 / 0 / 1 / 3
34 / SOUTH INDIAN BANK LTD. / 1 / 0 / 1 / 0 / 0 / 0 / 1 / 3
35 / YES BANK LTD. / 2 / 1 / 1 / 0 / 0 / 0 / 1 / 5
36 / BICHOLIM URBAN COOP BANK LTD. / 1 / 1 / 1 / 0 / 0 / 0 / 1 / 4
37 / CITIZEN COOP BANK LTD. / 2 / 0 / 1 / 0 / 1 / 0 / 1 / 5
38 / GOA STATE COOP BANK LTD. / 5 / 2 / 8 / 2 / 3 / 1 / 9 / 30
39 / GOA URBAN COOP BANK LTD. / 4 / 1 / 2 / 0 / 1 / 0 / 1 / 9
40 / MADGAON URBAN COOP BANK LTD. / 5 / 0 / 0 / 1 / 0 / 0 / 1 / 7
41 / MAPUSA URBAN COOP BANK LTD. / 2 / 2 / 2 / 1 / 0 / 0 / 2 / 9
42 / NKGSB COOP BANK LTD. / 1 / 0 / 1 / 0 / 0 / 0 / 1 / 3
43 / SARASWAT COOP BANK LTD / 1 / 1 / 1 / 0 / 0 / 0 / 1 / 4
44 / PMC CO-OP BANK LTD. / 1 / 0 / 1 / 0 / 0 / 0 / 1 / 3
45 / TJSB SHAKARI BANK LTD. / 1 / 0 / 0 / 0 / 0 / 0 / 1 / 2
46 / SHAMRAO VITHAL COOP BANK LTD. / 1 / 0 / 0 / 0 / 0 / 0 / 0 / 1
47 / GOPINATH PARSIK JANATA SAHAKARI BANK LTD. / 1 / 0 / 0 / 0 / 0 / 0 / 0 / 1
TOTAL / 168 / 30 / 89 / 12 / 21 / 8 / 84 / 412

LEAD BANK OFFICE, SOUTH GOA MARGAO GOA

NAME & TELEPHONE NUMBERS OF IMPORTANT AUTHORITIES IN THE DISTRICT

SR.
No / Name of Officer / Designation / Office Phone / Fax / Mobile No
1 / Mr. Swapnil Naik / District Collector / 0832-2705333 / 2733026 / 9422439439
2 / Mrs. Pushpalata Arlekar / Chief Executive Officer (KVIB) / 0832-2222494/
221452 / 2222494 / 9822976967
3 / Mrs. Shivani Nayak / Lead District Manager / 0832-2733950 / 2733950 / 8806660196
4 / Mrs Laura Britto / Project Director D.R.D.A / 0832-2794240 / 2701628 / 8806001990
5 / Mr. Damodar Morajkar / Asst. Director D.I.C / 0832-2222241 / 2224116 / 9765085622
6 / Mr. Raje S. Naik / Employment & Self Employment Guidance centre / 0832-2706021 / 2706021 / 9420978532
7 / Mrs. Geetha T / AGM Nabard / 0832-2733603 / 2733603 / 9422442518
8 / Mr. N.R Kulkarni / District information officer / 0832-2223157 / 2224211 / 9423062177
9 / Mr. V.B.Saxena / Joint Director,
District Planning / 0832-2225983 / 2424250
10 / Mr. Shekar Prabhudessai. / Supt. Of Police / 0832-2732218 / 2733864 / 7875756009
11 / Mr. Elvis Gomes / Member Sec.,
D.U.D.A. / 0832- 2437210 / 2437094 / 9822388099
12 / Mr. K. C. Behre / AGM (Lead Bank) SBI Mumbai LHO / 022-26445239 / 26445207 / 7506921080
13 / Mr. Carey Mascarenhas / Manager, RBI Panaji, Goa / 0832-2438656 / 2438657 / 9503140942
15 / Mr A.L. Meena / Project Director KVIC / 0832-2223676 / 2223676 / 7597033908

CHAPTER – II

REVIEW OF PERFORMANCE

For effective and successful planning, periodical review of the progress made is essential. An analytical review of past performance is a guiding step in the preparation of Annual Credit Plan. Quarterly review of achievements is taken in DLCC meeting under Chairmanship of Hon’ble District Collector. Besides, it is also discussed in BLBC meetings. Keeping the developmental focus guidance is given with the current requirements and if necessary, corrective measures are also suggested. Timely review helps us-

To find out credit absorption capacity

To identify various shortcomings and difficulties faced in the process of implementation

To initiate appropriate corrective measures for positive results

Thus proper review is a stepping stone to derive maximum benefits from resources set forth for deployment in different sectors of the economy.

A detailed review of performance under credit plan is taken on following line:

Overall performance under Annual Credit Plan

Sector wise Achievements

Activity wise Achievement

Agency wise Achievement

POSITION OF DEPOSIT & ADVANCES: (Amount in Crores)

31.03.2014 / 31.03.2015 / 31.03.2016
Deposits / Advances / CD Ratio / Dep. / Adv. / CD Ratio / Dep. / Adv. / CD Ratio
18612 / 4674 / 25 / 22964 / 6078 / 26 / 29336 / 7997 / 27

*No RRB in the district/Goa State.

OVERALL PERFORMANCE/ACHIEVEMENTS IN THE DISTRICT: Total Priority Sector

The position of overall achievement vis-à-vis targets for last three years is as follows:

(Amount in Crores)

Particulars / ACP 2013-2014
31.3.2014 / ACP 2014-15
31.03.2015 / ACP 2015-16
31.03.2016
Target / 1390.75 / 1547.31 / 2676.73
Achievement / 1141.90 / 1498.48 / 1973.05
Percentage / 82 / 96 / 73

SECTOR WISE ACHIEVEMENTS:

The sector wise achievement under three major sectors viz. Agriculture, non-farm sector and other priority sector are presented below:

(Amount in Crores)

Sector / ACP 2013-2014 / ACP 2014-2015 / ACP 2015-2016
31.03.2014 / 31.03.2015 / 31.03.2016
Target / Ach / % / Target / Ach / % / Target / Ach / %
Agriculture / 310.62 / 164.43 / 34 / 355.34 / 122.08 / 34 / 568.10 / 313.76 / 55
Non-Farm / 150.01 / 128.02 / 85 / 169.41 / 131.71 / 78 / 286.57 / 266.58 / 93
OPS / 930.06 / 849.44 / 91 / 1022.55 / 1244.67 / 122 / 1822.05 / 1392.71 / 76
TOTAL PSA / 1390.69 / 1141.9 / 82 / 1547.31 / 1498.48 / 97 / 2676.73 / 1973.05 / 74

Comparative position of District Credit Plan is as under

(Amount in Lacs)

Sr.
No. / Sector / Year / 2012-13 / 2013-14 / 2014-15 / 2015-16 / %
Increase
01 / Agriculture / 16368.57 / 31061.96 / 35534.30 / 56810.74 / 14
02 / NFS / 10662.45 / 15001.35 / 16941.07 / 28657.66 / 13
03 / OPS / 89324.45 / 93006.38 / 102255.83 / 182204.94 / 10
04 / Total Priority / 116355.47 / 139069.69 / 154731.20 / 267673.34 / 11
06 / Grand Total / 116355.47 / 139069.69 / 154731.20 / 267673.34 / 11

CHAPTER III

DEVELOPMENTAL PROGRAMMES IN THE DISTRICT

3.1 Development of Agriculture/Allied Activities

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