Balrampur
₹695 cr
of bankable business potential identified by the government in Balrampur.
Source: NABARD PLP 2023-24
Opportunities
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NABARD's plan for Balrampur · PLP 2023-24
₹695 crof bankable credit potential identified by the government
Crop production, maintenance & marketing
₹305 cr
Term loans for agriculture & allied activities
₹198 cr
Others (SHG / JLG etc.)
₹66 cr
MSME
₹42 cr
Balrampur's NABARD credit plan for 2023-24 sees about ₹694.90 crore of lending potential. Farming and allied work dominate at ₹559.07 crore (roughly 80%), while small and medium businesses (MSME) account for only ₹41.96 crore — a sign the local economy is still overwhelmingly agricultural.
The single biggest opportunity is crop loans at ₹304.67 crore (44% of the plan) for paddy, maize, urad, arhar, wheat and gram. Beyond that, term loans of ₹197.62 crore back farm machinery (₹50.58 Cr), poultry (₹36.05 Cr), dairy (₹32.50 Cr) and fisheries (₹32.41 Cr). Food and agro-processing carries ₹27.54 crore of potential — the district already runs 28 rice mills.
Standout local products include the GI-tagged aromatic rice Jeera Phool and Rice Phool from Chhangro village in Shankargarh, an organic-farming block. Fisheries is expanding, with a new hatchery at Jabar and 2,200 village ponds in use. Tourism has room to grow around the Tatapani hot springs (with a proposed geothermal plant) and the Semarsot and Tamor-Pingla sanctuaries.
The plan's own warnings: irrigation reaches just 11% of kharif and 6% of rabi land, Kisan Credit Card coverage sits at only 44%, roads into the interior are poor, and roughly 0.84 lakh small and marginal farm families still need financing. Livestock services (vaccine storage, artificial insemination, good-breed supply) are weak.
What the plan promotes
- Crop production dominates at ₹304.67 Cr (44% of PLP); kharif staples are paddy, maize, urad, arhar and ramtil, with rabi wheat, gram, linseed and mustard across 1.64 lakh ha kharif and 0.70 lakh ha rabi area.
- Chhangro village in Shankargarh block is known for its GI-tagged aromatic rice varieties Jeera Phool and Rice Phool, grown organically; Shankargarh block is designated an organic development block under the state organic mission.
- Farm mechanisation is the biggest term-loan line at ₹50.58 Cr, to be scaled via farm-machinery service centres and custom-hiring centres reaching more farmers.
- Livestock is a major livelihood: 20th census counts 8,92,903 head (4,61,363 cattle, 56,111 buffalo, 3,48,178 goats); poultry potential ₹36.05 Cr and dairy ₹32.50 Cr, backed by ACABC and National Livestock Mission.
- Fisheries potential is ₹32.41 Cr; 2,522 ha of the 2,672 ha water area is under fisheries, with 2,200 of 2,550 village ponds used; a Chinese hatchery is under construction at village Jabar in Balrampur block.
- Horticulture covers about 22% of net cropped area under northern-hills agro-climate; district produces ~1.09 lakh tonnes fruit and 1.78 lakh tonnes vegetables, with plantation/horticulture/sericulture potential ₹21.73 Cr.
Gaps the plan names
- Poor transport connectivity between the district interior and headquarters; developing road infrastructure in this northern hilly agro-climatic belt needs special emphasis.
- Irrigation covers only 11% of kharif and 6% of rabi area; expansion needs surface irrigation plus rainwater harvesting and sustainable groundwater use.
- Kisan Credit Card coverage is only 44%; a special campaign is needed to raise it, as a large share of the district's ~1.13 lakh farm families remains outside crop credit.
- About 0.84 lakh small and marginal farm families need financing through joint-liability groups, with DCC-set coverage targets for bank branches.
- Weak vaccine cold-storage and artificial-insemination facilities for livestock; needs private poultry-hatchery incentives and a firm plan to supply good-breed rams and goats from government farms.
See the plan's recommendations
What the plan promotes
- Crop production dominates at ₹304.67 Cr (44% of PLP); kharif staples are paddy, maize, urad, arhar and ramtil, with rabi wheat, gram, linseed and mustard across 1.64 lakh ha kharif and 0.70 lakh ha rabi area.
- Chhangro village in Shankargarh block is known for its GI-tagged aromatic rice varieties Jeera Phool and Rice Phool, grown organically; Shankargarh block is designated an organic development block under the state organic mission.
- Farm mechanisation is the biggest term-loan line at ₹50.58 Cr, to be scaled via farm-machinery service centres and custom-hiring centres reaching more farmers.
- Livestock is a major livelihood: 20th census counts 8,92,903 head (4,61,363 cattle, 56,111 buffalo, 3,48,178 goats); poultry potential ₹36.05 Cr and dairy ₹32.50 Cr, backed by ACABC and National Livestock Mission.
- Fisheries potential is ₹32.41 Cr; 2,522 ha of the 2,672 ha water area is under fisheries, with 2,200 of 2,550 village ponds used; a Chinese hatchery is under construction at village Jabar in Balrampur block.
- Horticulture covers about 22% of net cropped area under northern-hills agro-climate; district produces ~1.09 lakh tonnes fruit and 1.78 lakh tonnes vegetables, with plantation/horticulture/sericulture potential ₹21.73 Cr.
Gaps the plan names
- Poor transport connectivity between the district interior and headquarters; developing road infrastructure in this northern hilly agro-climatic belt needs special emphasis.
- Irrigation covers only 11% of kharif and 6% of rabi area; expansion needs surface irrigation plus rainwater harvesting and sustainable groundwater use.
- Kisan Credit Card coverage is only 44%; a special campaign is needed to raise it, as a large share of the district's ~1.13 lakh farm families remains outside crop credit.
- About 0.84 lakh small and marginal farm families need financing through joint-liability groups, with DCC-set coverage targets for bank branches.
- Weak vaccine cold-storage and artificial-insemination facilities for livestock; needs private poultry-hatchery incentives and a firm plan to supply good-breed rams and goats from government farms.
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 Balrampur
Balrampur is a town and a municipal board in Balrampur district in the state of Uttar Pradesh, India. It is situated on the bank of river Rapti and is the district headquarters of Balrampur district.
Source: Wikipedia — Balrampur
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