North and Middle Andaman
₹951 cr
of bankable business potential identified by the government in North and Middle Andaman.
Source: NABARD PLP 2022-23
Opportunities
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NABARD's plan for North and Middle Andaman · PLP 2022-23
₹951 crof bankable credit potential identified by the government
MSME (Micro, Small & Medium Enterprises)
₹549 cr
Term loans for agriculture & allied activities
₹134 cr
Housing
₹92 cr
Crop production, maintenance & marketing
₹68 cr
This is the combined NABARD credit plan for the whole Andaman & Nicobar Union Territory (all three districts, including North and Middle Andaman) for 2022-23. The total priority-sector opportunity is about ₹950.63 crore. Small business (MSME) dominates at ₹549.32 crore — well over half the plan — while all of agriculture and allied activities together come to ₹238 crore (about 25% of the plan). MSME splits into ₹245.70cr of term loans and ₹303.62cr of working capital; the islands already have 1,512 registered units employing roughly 25,331 people, mostly making PVC pipes, paints, fiberglass, flour mills, bakery goods, furniture, handicrafts and shell crafts.
On the farm side, the biggest bets are marine, inland and brackish-water fishing (₹38.30cr), coconut and arecanut plantation and horticulture (₹27.71cr), and livestock — sheep/goat/piggery (₹23.68cr), poultry (₹19.67cr) and dairy (₹13.12cr). Food and agro processing (₹19.88cr) is wide open, since the islands have almost no processing units today. Tourism is a strong tailwind, with luxury-resort plans at Aves, Smith, Long and Ross Island. Housing (₹91.80cr) and export credit (₹51cr) round out the plan.
The plan flags real hurdles: erratic rain and a harsh January-April dry spell, poor transport and cold-storage links between scattered islands, fodder and feed shortages for animals, a raw-material squeeze on wood industries after the tree-felling ban, and weak marketing federations. It also notes no activity-wise farm credit data, which makes monitoring harder.
What the plan promotes
- Fisheries is the single largest term-loan opportunity at ₹38.30cr across marine, inland and brackish water; UT plans to develop modern fishing harbours and fish landing centres (Pradhan Mantri Matsya Sampada Yojana).
- Plantation and horticulture including sericulture (₹27.71cr) built on coconut (20,070 ha) and arecanut (4,336 ha) — the islands' major cash crops.
- Livestock term lending led by sheep/goat/piggery ₹23.68cr, poultry ₹19.67cr and dairy ₹13.12cr; goat population ~64,761 and large indigenous poultry stock.
- Tourism-driven growth: A&N is developing into a major hub with pristine beaches, snorkelling and sea-walking; luxury resorts planned under NITI Aayog at Aves, Smith, Long and Ross Island.
- Food and agro processing at ₹19.88cr — currently almost no processing units on the islands, a clear greenfield gap.
- MSME is the biggest single credit slice at ₹549.32cr; 1,512 registered units employing ~25,331 people making PVC pipes, paints, fiberglass, flour mills, bakery products, furniture, handicrafts and shell crafts.
Gaps the plan names
- Erratic rainfall, non-availability of quality seeds and inputs, and inadequate irrigation infrastructure; the January-April dry spell hits crops severely.
- Difficult terrain and inaccessibility of many islands; lack of proper transport, cold storage, processing and packaging facilities.
- Fodder shortage for dairy animals and high cost of feed for poultry and other livestock.
- Shortage of raw materials (post tree-felling ban) hurting wood-based industries, plus non-availability of skilled labour and high labour costs.
- Weak marketing federations, land ownership / leasing issues, and lack of high-value investment projects in agriculture and allied sectors.
See the plan's recommendations
What the plan promotes
- Fisheries is the single largest term-loan opportunity at ₹38.30cr across marine, inland and brackish water; UT plans to develop modern fishing harbours and fish landing centres (Pradhan Mantri Matsya Sampada Yojana).
- Plantation and horticulture including sericulture (₹27.71cr) built on coconut (20,070 ha) and arecanut (4,336 ha) — the islands' major cash crops.
- Livestock term lending led by sheep/goat/piggery ₹23.68cr, poultry ₹19.67cr and dairy ₹13.12cr; goat population ~64,761 and large indigenous poultry stock.
- Tourism-driven growth: A&N is developing into a major hub with pristine beaches, snorkelling and sea-walking; luxury resorts planned under NITI Aayog at Aves, Smith, Long and Ross Island.
- Food and agro processing at ₹19.88cr — currently almost no processing units on the islands, a clear greenfield gap.
- MSME is the biggest single credit slice at ₹549.32cr; 1,512 registered units employing ~25,331 people making PVC pipes, paints, fiberglass, flour mills, bakery products, furniture, handicrafts and shell crafts.
Gaps the plan names
- Erratic rainfall, non-availability of quality seeds and inputs, and inadequate irrigation infrastructure; the January-April dry spell hits crops severely.
- Difficult terrain and inaccessibility of many islands; lack of proper transport, cold storage, processing and packaging facilities.
- Fodder shortage for dairy animals and high cost of feed for poultry and other livestock.
- Shortage of raw materials (post tree-felling ban) hurting wood-based industries, plus non-availability of skilled labour and high labour costs.
- Weak marketing federations, land ownership / leasing issues, and lack of high-value investment projects in agriculture and allied sectors.
Value-chain gaps
Money this district loses today
Raw output sold cheap, value added elsewhere — each gap below is an opening for a local business.
Resources
What this district has
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About North and Middle Andaman
North and Middle Andaman district is one of the 3 districts of the Indian Union Territory of Andaman and Nicobar Islands located in the Bay of Bengal. Mayabunder town is the district headquarters. The area covered by this district is 3251.85 km2.
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