Diu
0.52 lakh people. Larger than Monaco or Vatican City. Governed as one cell of one state.
- Population
- 52,074 (0.52 lakh)
- Area
- 40 km²
- Headquarters
- Diu
₹50 cr
of bankable business potential identified by the government in Diu.
Source: NABARD PLP 2023-24
Opportunities
What you can build here
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NABARD's plan for Diu · PLP 2023-24
₹50 crof bankable credit potential identified by the government
Term loans for agriculture & allied activities
₹19 cr
MSME (Micro, Small & Medium Enterprises)
₹14 cr
Fisheries (marine, inland, brackish water)
₹13 cr
Working capital - Animal Husbandry & Fisheries (through KCC)
₹4 cr
The 2023-24 NABARD credit plan for the Union Territory of Diu sizes total priority-sector lending potential at Rs 49.79 crore (Rs 4978.62 lakh), a modest 2% rise over last year. Agriculture and allied activities make up the largest share at Rs 29.17 crore, and MSME comes next at Rs 14.06 crore (28%), with the rest spread across housing (Rs 3.60 cr), education, exports, renewable energy and social infrastructure.
The standout opportunity is fisheries at Rs 12.90 crore (about 26% of the whole plan) - Diu is a small island whose economy runs on fishing and tourism, and fishermen still borrow working capital from informal lenders. The plan pushes banks to launch a NABARD 'Model Scheme' working-capital product and to finance boat engines and cold-storage units. On land, the plan flags a striking gap: only 3 Kisan Credit Cards have been issued against 402 farm holdings, so it wants an aggressive KCC drive through group (JLG) lending, plus farm mechanisation (Rs 1.94 cr) and protected cultivation like green-houses and poly-tunnels (Rs 1.38 cr). MSME (Rs 14.06 cr) leans on services and tourism, since Diu is a pollution-free zone with no big factories.
The PLP's own worries: informal-source dependence in fisheries, almost no KCC coverage, over-exploited groundwater, and a very low credit-deposit ratio of around 9% because so much of the population has migrated abroad.
What the plan promotes
- Fisheries is the economic backbone: assessed at Rs 12.90 cr (26% of total potential), the largest single activity; fish production is 31758 MT with the UT economy 'largely dependent on fisheries and tourism'.
- Two Area Development Scheme (ADS) activities identified under Fisheries - Engine & Cold Storage Unit for boats - to build area-based schemes and lift credit flow and the CD ratio.
- Working-capital finance for fishermen to be rolled out on NABARD's 'Model Scheme - Working Capital for Marine Fisheries', formulated with Lead Bank and the Diu Fisheries Department.
- Aggressive KCC drive: only 3 Kisan Credit Cards issued against 402 land holdings; banks to coordinate with Agriculture Department and Gram Panchayats to bring all eligible farmers under KCC via JLG mode (273 of 402 holdings are under 1 ha).
- Farm mechanisation (Rs 1.94 cr) through group financing / JLG mode for the many marginal farmers with sub-one-hectare holdings.
- Protected/high-tech cultivation - green-houses, net houses, mulching, poly-tunnels - promoted for plantation & horticulture (Rs 1.38 cr) given the limited land availability.
Gaps the plan names
- Working capital for fisheries is largely met through informal (moneylender) sources; a bank product on NABARD's Model Scheme for marine fisheries is needed to formalise it.
- Severe under-penetration of Kisan Credit Cards - only 3 KCCs against 402 land holdings - leaving nearly all small/marginal farmers outside formal crop credit.
- Groundwater is over-exploited (over-exploited area); recharge, water-conservation methods, drought-resistant crops and drip/sprinkler irrigation with credit support are required.
- No major industrial unit set-up and status as a pollution-free zone limits MSME industrial credit; entrepreneurship must be steered to services and tourism.
- Persistently low CD ratio (around 9%) because deposits keep rising while advances stagnate, as much of the population has migrated overseas.
See the plan's recommendations
What the plan promotes
- Fisheries is the economic backbone: assessed at Rs 12.90 cr (26% of total potential), the largest single activity; fish production is 31758 MT with the UT economy 'largely dependent on fisheries and tourism'.
- Two Area Development Scheme (ADS) activities identified under Fisheries - Engine & Cold Storage Unit for boats - to build area-based schemes and lift credit flow and the CD ratio.
- Working-capital finance for fishermen to be rolled out on NABARD's 'Model Scheme - Working Capital for Marine Fisheries', formulated with Lead Bank and the Diu Fisheries Department.
- Aggressive KCC drive: only 3 Kisan Credit Cards issued against 402 land holdings; banks to coordinate with Agriculture Department and Gram Panchayats to bring all eligible farmers under KCC via JLG mode (273 of 402 holdings are under 1 ha).
- Farm mechanisation (Rs 1.94 cr) through group financing / JLG mode for the many marginal farmers with sub-one-hectare holdings.
- Protected/high-tech cultivation - green-houses, net houses, mulching, poly-tunnels - promoted for plantation & horticulture (Rs 1.38 cr) given the limited land availability.
Gaps the plan names
- Working capital for fisheries is largely met through informal (moneylender) sources; a bank product on NABARD's Model Scheme for marine fisheries is needed to formalise it.
- Severe under-penetration of Kisan Credit Cards - only 3 KCCs against 402 land holdings - leaving nearly all small/marginal farmers outside formal crop credit.
- Groundwater is over-exploited (over-exploited area); recharge, water-conservation methods, drought-resistant crops and drip/sprinkler irrigation with credit support are required.
- No major industrial unit set-up and status as a pollution-free zone limits MSME industrial credit; entrepreneurship must be steered to services and tourism.
- Persistently low CD ratio (around 9%) because deposits keep rising while advances stagnate, as much of the population has migrated overseas.
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 Diu
Diu district is one of the three districts of the union territory of Dadra and Nagar Haveli and Daman and Diu of India. The district is made up of Diu Island and two small enclaves of Simbor and Gogola, at the border with the state of Gujarat. The district headquarters are at Diu Town. It is the ninth least populous district in the country.
Source: Wikipedia — Diu district
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