Hojaiহোজাই
9.31 lakh people. Larger than Fiji, Cyprus, or Bhutan. Governed as one cell of one state.
- Population
- 9,31,218 (9.31 lakh)
- Headquarters
- Hojai
- Established
- 2015
₹378 cr
of bankable business potential identified by the government in Hojai.
Source: NABARD PLP 2023-24
Opportunities
What you can build here
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NABARD's plan for Hojai · PLP 2023-24
₹378 crof bankable credit potential identified by the government
Crop production, maintenance & marketing
₹190 cr
MSME
₹76 cr
Term loans for agriculture & allied activities
₹58 cr
Informal credit - SHGs/JLGs
₹27 cr
Hojai district's 2023-24 credit plan is worth Rs.377.58 crore, and farming dominates it. Agriculture and allied work make up Rs.261.67 crore (about 69%), while small businesses (MSME) account for Rs.75.84 crore (20%). The single biggest opportunity is everyday crop farming at Rs.190.03 crore — paddy, pulses, oilseeds and vegetables — since roughly 80% of people here depend on agriculture.
Beyond crops, the plan points to a few concrete clusters. Dairy (Rs.14.36 crore) is the largest allied loan line, and NABARD has already set up a dairy producer company; there is a separate fishery producer company too. Farm machinery loans (Rs.11.86 crore) and irrigation/water loans (Rs.11.07 crore) are highlighted to help farmers diversify beyond single-crop paddy. Horticulture worth Rs.4.40 crore covers Assam Lemon, arecanut, coconut and banana. On the industry side, MSME lending leans on the district's Agar wood distillation units, saw mills and bamboo & cane furniture makers, plus Rs.7.62 crore for agro and food processing.
The plan is candid about what holds the district back: weak power and irrigation, only one soil-testing centre, almost no proper market yards or rural godowns, PACS with no scientific warehouses, and animal/fish feed being trucked in from outside the state — so a local feed plant is flagged as an urgent need.
What the plan promotes
- Crop production, maintenance & marketing is the anchor at Rs.190.03 Cr (51% of the plan), built on paddy, pulses, oilseeds and vegetables grown across 05 development blocks
- MSME credit potential of Rs.75.84 Cr rides on the district's Agar Wood distillation units, saw mills and bamboo & cane furniture manufacturing
- Dairy development is the biggest allied term-loan line at Rs.14.36 Cr; NABARD has already formed a dairy-sector FPC in the district
- Farm mechanisation (Rs.11.86 Cr) is the flagged thrust area for 2023-24 to move farmers away from mono-cropping toward crop diversification
- Water resources / minor irrigation term loans at Rs.11.07 Cr against irrigation potential of 51,538 ha (only 27,719 ha utilised)
- Horticulture and plantation crops (Rs.4.40 Cr) including GI-style produce like Assam Lemon, arecanut, coconut and banana
Gaps the plan names
- Lack of power supply and irrigation facilities; more minor-irrigation projects and better road networks are urgently needed
- Lack of soil testing and seed testing facilities and quality extension services (only 1 soil testing centre in the district)
- Lack of marketing facilities; Market Yards and Rural Godowns need to be built at rural market places, ideally under PPP mode
- None of the PACS have scientific warehouses; the infrastructure of the PACS needs to be strengthened
- Low awareness among farmers/entrepreneurs about schemes, and banks need to expedite sanctions under KCC, crop/agri term loans and govt.-sponsored schemes
See the plan's recommendations
What the plan promotes
- Crop production, maintenance & marketing is the anchor at Rs.190.03 Cr (51% of the plan), built on paddy, pulses, oilseeds and vegetables grown across 05 development blocks
- MSME credit potential of Rs.75.84 Cr rides on the district's Agar Wood distillation units, saw mills and bamboo & cane furniture manufacturing
- Dairy development is the biggest allied term-loan line at Rs.14.36 Cr; NABARD has already formed a dairy-sector FPC in the district
- Farm mechanisation (Rs.11.86 Cr) is the flagged thrust area for 2023-24 to move farmers away from mono-cropping toward crop diversification
- Water resources / minor irrigation term loans at Rs.11.07 Cr against irrigation potential of 51,538 ha (only 27,719 ha utilised)
- Horticulture and plantation crops (Rs.4.40 Cr) including GI-style produce like Assam Lemon, arecanut, coconut and banana
Gaps the plan names
- Lack of power supply and irrigation facilities; more minor-irrigation projects and better road networks are urgently needed
- Lack of soil testing and seed testing facilities and quality extension services (only 1 soil testing centre in the district)
- Lack of marketing facilities; Market Yards and Rural Godowns need to be built at rural market places, ideally under PPP mode
- None of the PACS have scientific warehouses; the infrastructure of the PACS needs to be strengthened
- Low awareness among farmers/entrepreneurs about schemes, and banks need to expedite sanctions under KCC, crop/agri term loans and govt.-sponsored schemes
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
Tap a category to see the facts and figures underneath. Numbers marked unverified are AI-extracted and need a sourcing pass.
About Hojai
Hojai district is a district in Assam, India. It was formed on 15 August 2015. The headquarters of the district is situated at Sankardev Nagar, which is about 8 km away from Hojai town. Hojai District was formed from three tehsils of Nagaon District, namely Hojai, Doboka and Lanka. Hojai was a part of the undivided Nowgong district of then Assam Province.
Source: Wikipedia — Hojai district
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