Gandhinagarગાંધીનગર
13.9 lakh people. Larger than Estonia, Mauritius, or Fiji. Governed as one cell of one state.
- Population
- 13,91,753 (13.9 lakh)
- Area
- 2,163 km²
- Headquarters
- Gandhinagar
- Established
- 1964
₹4,266 cr
of bankable business potential identified by the government in Gandhinagar.
Source: NABARD PLP 2021-22
Opportunities
What you can build here
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NABARD's plan for Gandhinagar · PLP 2021-22
₹4,266 crof bankable credit potential identified by the government
Crop production, maintenance & marketing (crop loan)
₹1,537 cr
Micro, Small and Medium Enterprises (MSME)
₹913 cr
Housing
₹735 cr
Term loans for agriculture & allied activities
₹574 cr
Gandhinagar, Gujarat's capital district, has a NABARD credit plan of about Rs.4,266 crore for 2021-22. Farming and allied activities make up the bulk at Rs.2,388 crore (56%), while business lending (MSME) is the next big block at Rs.913 crore (about 22%) and home loans add Rs.735 crore (17%).
The single biggest opportunity is ordinary crop loans at Rs.1,537 crore - this is mainly a farming district growing wheat, groundnut and cotton, plus castor, bajra, pulses and vegetables. On top of that, longer-term farm loans of Rs.574 crore are available, led by water/irrigation (Rs.212 cr), farm machinery and custom-hiring centres (Rs.192 cr) and dairy (Rs.102 cr) - the plan singles out dairy as the easiest side-business to bank. There is also room for food and fruit processing (Rs.54 cr), helped by local mango, lime, chiku, guava and potato and nearby city demand. Business lending is strong because the district hosts seven SEZs, ten industrial estates, an IT Park, the Delhi-Mumbai Industrial Corridor and GIFT City.
The plan's own warnings: rainfall is erratic and most land is rainfed, so saving water matters; storage and post-harvest handling are weak; too little money goes into long-term farm investment; and SHG-bank lending is low. Farmland near Gandhinagar town is also shrinking as the city grows.
What the plan promotes
- Crop loans for wheat, groundnut and cotton (the predominant crops) plus castor, bajra, jowar, pulses and vegetables dominate the plan at Rs.1536.60 cr (36% of the total)
- Dairy is flagged as the most suitable subsidiary occupation - banks asked to finance liberally with tie-ups to dairy farms/societies and to back calf rearing and fodder cultivation (dairy term loan potential Rs.101.95 cr)
- Minor irrigation / water resources is the single biggest farm term-loan line at Rs.211.86 cr in a largely rainfed district pushing 'more crop per drop'
- Farm mechanisation and custom-hiring centres for farm machinery and equipment have good scope (Rs.192.05 cr term-loan potential)
- Food and agro / fruit processing units have strong potential given mango, lime, chiku, guava and potato output and nearby urban demand (Rs.54.00 cr ancillary line)
- MSME credit of Rs.912.60 cr (22% of the plan) anchored by seven SEZs, ten industrial estates, an IT Park, the Delhi-Mumbai Industrial Corridor (DMIC) and GIFT City, plus electronics, textiles, ceramics and office-stationery units
Gaps the plan names
- Erratic monsoon and a largely rainfed district mean water-resource management is the top gap - farmers need incentives to save water and conserve soil moisture for 'more crop per drop'
- Post-harvest management and storage capacity for agri-produce remains weak; the Agriculture Infrastructure Fund (AIF) is to be tapped to build storage and strengthen the value chain
- Investment (term) credit is too low a share of total agriculture credit - the plan calls for an immediate thrust to raise the pace of private capital formation in agriculture
- Self Help Group-Bank Linkage is under-used: SHG financing by banks is low and efforts need to be strengthened
- Agriculture in Gandhinagar block is being squeezed by rapid urbanisation, creating a need for new service-sector and off-farm activities
See the plan's recommendations
What the plan promotes
- Crop loans for wheat, groundnut and cotton (the predominant crops) plus castor, bajra, jowar, pulses and vegetables dominate the plan at Rs.1536.60 cr (36% of the total)
- Dairy is flagged as the most suitable subsidiary occupation - banks asked to finance liberally with tie-ups to dairy farms/societies and to back calf rearing and fodder cultivation (dairy term loan potential Rs.101.95 cr)
- Minor irrigation / water resources is the single biggest farm term-loan line at Rs.211.86 cr in a largely rainfed district pushing 'more crop per drop'
- Farm mechanisation and custom-hiring centres for farm machinery and equipment have good scope (Rs.192.05 cr term-loan potential)
- Food and agro / fruit processing units have strong potential given mango, lime, chiku, guava and potato output and nearby urban demand (Rs.54.00 cr ancillary line)
- MSME credit of Rs.912.60 cr (22% of the plan) anchored by seven SEZs, ten industrial estates, an IT Park, the Delhi-Mumbai Industrial Corridor (DMIC) and GIFT City, plus electronics, textiles, ceramics and office-stationery units
Gaps the plan names
- Erratic monsoon and a largely rainfed district mean water-resource management is the top gap - farmers need incentives to save water and conserve soil moisture for 'more crop per drop'
- Post-harvest management and storage capacity for agri-produce remains weak; the Agriculture Infrastructure Fund (AIF) is to be tapped to build storage and strengthen the value chain
- Investment (term) credit is too low a share of total agriculture credit - the plan calls for an immediate thrust to raise the pace of private capital formation in agriculture
- Self Help Group-Bank Linkage is under-used: SHG financing by banks is low and efforts need to be strengthened
- Agriculture in Gandhinagar block is being squeezed by rapid urbanisation, creating a need for new service-sector and off-farm activities
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 Gandhinagar
Gandhinagar district is an administrative division of Gujarat, India, whose headquarters are at Gandhinagar, the state capital. It was organized in 1964. Gandhinagar district is located in Northern part of Gujarat.
Source: Wikipedia — Gandhinagar district
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