Saharsaसहरसा
19.0 lakh people. Larger than Bahrain, Estonia, or Mauritius. Governed as one cell of one state.
- Population
- 19,00,661 (19.0 lakh)
- Area
- 1,702 km²
- Headquarters
- Saharsa
₹2,767 cr
of bankable business potential identified by the government in Saharsa.
Source: NABARD PLP 2023-24
Opportunities
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NABARD's plan for Saharsa · PLP 2023-24
₹2,767 crof bankable credit potential identified by the government
MSME
₹1,207 cr
Crop production, maintenance & marketing
₹951 cr
Term loans for agriculture & allied activities
₹227 cr
Agriculture infrastructure
₹80 cr
Saharsa's NABARD credit plan for 2023-24 puts the district's total priority-sector lending potential at about ₹2,767 crore. The money splits almost evenly between farming and small business: agriculture is ₹1,317 crore (48%) and MSME is ₹1,207 crore (44%), with the rest going to housing, education, exports, renewable energy and social infrastructure.
On the farm side, ordinary crop loans for paddy, maize, wheat and moong are the biggest single line at ₹951 crore. Beyond that, the plan highlights a few clear clusters: dairy (₹55 crore) with a push for good-breed cattle and a milk collection centre in every block; farm mechanisation (₹58 crore) and irrigation/water resources (₹40 crore); fisheries (₹12 crore) using the district's low-lying waterlogged land; and food and agro-processing (₹49 crore), especially rice mills, dal mills and the district's rising makhana and maize processing businesses. Warehousing and cold storage add another ₹68 crore.
Because Saharsa has almost no large industry and people often leave to find work, MSME lending is the standout opportunity for new entrepreneurs. The plan's own list of problems to fix includes slow computerisation of land records, patchy power and connectivity, and the need to reach small, tenant and share-cropper farmers through SHGs, JLGs, FPOs and stronger PACS.
What the plan promotes
- Makhana (fox nut) cultivation and makhana processing, and maize cultivation and maize processing, called out as the district's emerging value-addition activities
- Dairy development with a potential of 55.26 cr; the PLP wants more dairy farms with good-breed milch cattle and milk collection centres in every block
- Fisheries (12.06 cr) with new fish ponds in low-lying/waterlogged areas and fish-feed mills, plus goat/sheep/pig rearing (8.82 cr)
- Farm mechanisation term loans of 58.27 cr and water-resources/irrigation development of 39.94 cr for the district's mainly paddy-maize-wheat cropping
- Food and agro-processing units (49.24 cr) including rice mills, dal mills and maize/makhana processing units to boost local industry
- MSME investment plus working capital of 1207.43 cr, the single biggest non-farm opportunity as Saharsa has almost no large industry
Gaps the plan names
- Slow computerisation of land records, making it hard for farmers and entrepreneurs to access credit
- Weak power supply and poor connectivity for farmers and enterprises that need to be improved
- Almost no industry in the district, so people migrate out for work and local credit absorption capacity stays low
- Need for stronger institutional credit reach through active SHG/JLG, FPO and PACS involvement, especially covering small, marginal, tenant and share-cropper farmers
- Better on-ground monitoring and review at BLBC/DLCC meetings and more effective rollout of financial-inclusion schemes
See the plan's recommendations
What the plan promotes
- Makhana (fox nut) cultivation and makhana processing, and maize cultivation and maize processing, called out as the district's emerging value-addition activities
- Dairy development with a potential of 55.26 cr; the PLP wants more dairy farms with good-breed milch cattle and milk collection centres in every block
- Fisheries (12.06 cr) with new fish ponds in low-lying/waterlogged areas and fish-feed mills, plus goat/sheep/pig rearing (8.82 cr)
- Farm mechanisation term loans of 58.27 cr and water-resources/irrigation development of 39.94 cr for the district's mainly paddy-maize-wheat cropping
- Food and agro-processing units (49.24 cr) including rice mills, dal mills and maize/makhana processing units to boost local industry
- MSME investment plus working capital of 1207.43 cr, the single biggest non-farm opportunity as Saharsa has almost no large industry
Gaps the plan names
- Slow computerisation of land records, making it hard for farmers and entrepreneurs to access credit
- Weak power supply and poor connectivity for farmers and enterprises that need to be improved
- Almost no industry in the district, so people migrate out for work and local credit absorption capacity stays low
- Need for stronger institutional credit reach through active SHG/JLG, FPO and PACS involvement, especially covering small, marginal, tenant and share-cropper farmers
- Better on-ground monitoring and review at BLBC/DLCC meetings and more effective rollout of financial-inclusion 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 Saharsa
Saharsa district is one of the thirty-eight districts of Bihar, India. Saharsa city is the administrative headquarters of this district. Saharsa district is a part of the Kosi Division and it became a district on 1 April 1954 and has subsequently become smaller with other districts being carved from it, most notably Madhepura in 1981.
Source: Wikipedia — Saharsa district
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