Aravalliઅરવલ્લી
10.4 lakh people. Larger than Fiji, Cyprus, or Bhutan. Governed as one cell of one state.
- Population
- 10,39,918 (10.4 lakh)
- Area
- 3,308 km²
- Headquarters
- Modasa
₹4,010 cr
of bankable business potential identified by the government in Aravalli.
Source: NABARD PLP 2023-24
Opportunities
What you can build here
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NABARD's plan for Aravalli · PLP 2023-24
₹4,010 crof bankable credit potential identified by the government
Crop production, maintenance & marketing
₹1,631 cr
Term loans for agriculture & allied activities
₹733 cr
Working capital - AH, poultry, sheep-goat & fisheries
₹582 cr
MSME (Micro, Small & Medium Enterprises)
₹261 cr
Aravalli's NABARD credit plan for 2023-24 sees about ₹4,010 cr of lending potential across the district. The vast majority — roughly ₹3,353 cr, or 84% — is in farming and allied work, while small businesses (MSME) account for about ₹261 cr and home loans another ₹258 cr.
The single biggest opportunity is everyday crop loans at ₹1,631 cr, reflecting a district built on cotton and wheat, with oilseeds, maize, potato and a strong tomato crop. Beyond seasonal loans, the plan points to clear clusters an entrepreneur can build around:
- Dairy (₹255 cr) — Sabar Dairy handles 35 lakh litres a day and over ₹1,000 cr of new dairy projects were recently launched.
- Fruit, vegetable and plantation crops (₹147 cr) — tomatoes, cabbage and cauliflower have flooded local markets.
- Irrigation and water-saving setups (₹143 cr) for a district with an erratic monsoon.
- Food and agro processing (₹41 cr), adding to 30 existing food/oil units and 8 cotton ginning units.
The plan is candid about gaps. Crop loans get fully used, but term loans, MSME and 'other-sector' lending fall short (other sectors ran at just 55%). It flags a labour shortage pushing the case for farm machinery, an erratic monsoon needing better water management, and a need to grow investment credit and FPOs to lift farm incomes.
What the plan promotes
- Crop production dominates the plan at ₹1,630.85 cr — cotton and wheat are the predominant crops, with oilseeds, maize and potato also widely grown (cotton area ~42,505 '00 ha; tomato production 1.4 lakh, 177.8 kg/per tree, among India's highest).
- Dairy is the standout allied activity with ₹254.80 cr of term-loan potential — Sabar Dairy handles 35 lakh litres of milk per day and the PM recently inaugurated and laid foundation for dairy projects worth over ₹1,000 cr.
- Plantation & horticulture (including sericulture) carries ₹147.15 cr; tomatoes, cabbage and cauliflower flooded the market in recent seasons per the PLP's 'Way Forward'.
- Water resources term loans of ₹142.57 cr push micro-irrigation and 'more crop per drop' against an erratic monsoon — the district draws on the Luni, Sakhi, Banas, Sabarmati and Sahibi rivers.
- Agriculture infrastructure 'Others' of ₹206.17 cr targets tissue culture, agri bio-technology, seed production, bio-pesticides/fertilisers and vermi-composting.
- Food & agro processing potential of ₹41.06 cr builds on 30 food/dal/oil processing units and 8 cotton ginning/spinning units already operating in the district.
Gaps the plan names
- Skewed credit flow: crop loan targets are fully achieved, but there is a persistent gap in achievement for term loans and the MSME sector; 'Other Sectors' credit flow ran at only 55%.
- Erratic monsoon and water stress — the PLP calls for greater focus on water-resource management, water-saving cropping patterns and soil-moisture conservation so 'more crop per drop' can be achieved.
- Serious shortage of farm labour is a threat to agriculture; the PLP wants enhanced credit flow for farm mechanisation, with banks adopting JLG financing to help small and marginal farmers buy machinery.
- Low share of investment (term) credit in total agriculture credit — the major driver of private-sector capital formation — needs immediate thrust to raise its share.
- Need to collectivise agricultural produce through the FPO movement and better monitoring/review at BLBC and DCC meetings to achieve the goal of doubling farmers' income.
See the plan's recommendations
What the plan promotes
- Crop production dominates the plan at ₹1,630.85 cr — cotton and wheat are the predominant crops, with oilseeds, maize and potato also widely grown (cotton area ~42,505 '00 ha; tomato production 1.4 lakh, 177.8 kg/per tree, among India's highest).
- Dairy is the standout allied activity with ₹254.80 cr of term-loan potential — Sabar Dairy handles 35 lakh litres of milk per day and the PM recently inaugurated and laid foundation for dairy projects worth over ₹1,000 cr.
- Plantation & horticulture (including sericulture) carries ₹147.15 cr; tomatoes, cabbage and cauliflower flooded the market in recent seasons per the PLP's 'Way Forward'.
- Water resources term loans of ₹142.57 cr push micro-irrigation and 'more crop per drop' against an erratic monsoon — the district draws on the Luni, Sakhi, Banas, Sabarmati and Sahibi rivers.
- Agriculture infrastructure 'Others' of ₹206.17 cr targets tissue culture, agri bio-technology, seed production, bio-pesticides/fertilisers and vermi-composting.
- Food & agro processing potential of ₹41.06 cr builds on 30 food/dal/oil processing units and 8 cotton ginning/spinning units already operating in the district.
Gaps the plan names
- Skewed credit flow: crop loan targets are fully achieved, but there is a persistent gap in achievement for term loans and the MSME sector; 'Other Sectors' credit flow ran at only 55%.
- Erratic monsoon and water stress — the PLP calls for greater focus on water-resource management, water-saving cropping patterns and soil-moisture conservation so 'more crop per drop' can be achieved.
- Serious shortage of farm labour is a threat to agriculture; the PLP wants enhanced credit flow for farm mechanisation, with banks adopting JLG financing to help small and marginal farmers buy machinery.
- Low share of investment (term) credit in total agriculture credit — the major driver of private-sector capital formation — needs immediate thrust to raise its share.
- Need to collectivise agricultural produce through the FPO movement and better monitoring/review at BLBC and DCC meetings to achieve the goal of doubling farmers' income.
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 Aravalli
Aravalli district is a district in the state of Gujarat in India that came into being on August 15, 2013, becoming the 29th district of the state. The district has been carved out of the Sabarkantha district. The district headquarters are at Modasa.
Source: Wikipedia — Aravalli district
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