Gir Somnathગીર સોમનાથ
12.2 lakh people. Larger than Fiji, Cyprus, or Bhutan. Governed as one cell of one state.
- Population
- 12,17,477 (12.2 lakh)
- Area
- 3,755 km²
- Headquarters
- Veraval
₹4,415 cr
of bankable business potential identified by the government in Gir Somnath.
Source: NABARD PLP 2023-24
Opportunities
What you can build here
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NABARD's plan for Gir Somnath · PLP 2023-24
₹4,415 crof bankable credit potential identified by the government
Crop production, maintenance & marketing
₹2,053 cr
MSME
₹672 cr
Term loans for agriculture & allied activities
₹664 cr
Agriculture infrastructure
₹449 cr
Gir Somnath's credit plan for 2023-24 sizes up about Rs 4,415 crore of lending the district could absorb. The bulk of it - roughly 79% (Rs 3,467 crore) - is farming and allied work, while small businesses (MSME) take about 15% (Rs 672 crore). The rest is spread across housing, education, exports and a few smaller heads.
Farming is the engine. Ordinary crop loans alone are Rs 2,053 crore (nearly half the whole plan), for cotton, groundnut and sugarcane grown by mostly small farmers. On the coast, fishing is a big opportunity at Rs 216 crore, helped by the Fisheries College at Veraval. Orchards and plantation crops add another Rs 199 crore, and the plan wants money flowing into drip irrigation and dairy.
There is real room in storage and processing: warehouses, market yards and cold storage carry Rs 394 crore, and food and agro-processing Rs 76 crore - useful for anyone setting up a groundnut, oil or sugar unit across the six blocks (Veraval, Sutrapada, Kodinar, Una, Gir Gadhada, Talala).
The plan is candid about what holds the district back. Banks are slow to give out term loans, which it calls the single biggest gap. Wild swings between heavy rain and drought, plus over-pumping of groundwater toward danger levels, threaten farms. It also wants stronger farmer groups (new FPOs, SHGs, tenant-farmer JLGs) so credit actually reaches the ground.
What the plan promotes
- Crop loans dominate at Rs 2053.49 cr (46.51% of the plan) for cotton, groundnut and sugarcane, plus wheat, sesame, bajra and jowar; about 78% of holdings are small/marginal farmers averaging 1.52 ha.
- Fisheries is a major allied driver at Rs 216.33 cr term credit (district sits on the Saurashtra coast with Veraval and Una/Kodinar fishing belts) backed by Fisheries College, Veraval.
- Plantation & horticulture (including sericulture) potential of Rs 199.1 cr, supported by Agriculture University, Junagadh and the Sugarcane Research Centre, Kodinar.
- Dairy Development and Drip Irrigation are the two activities chosen under the Area Development Plan; the PLP urges capital formation in farm mechanisation, rural godowns, dairy and food/agro processing.
- Storage and marketing infrastructure (warehouses, market yards, godowns, silos, cold storage/chains) carries Rs 394.31 cr; existing godown capacity is 110000 MT with 9 cold storage units (44000 MT).
- MSME credit potential of Rs 671.93 cr - Rs 514.48 cr investment/term loan and Rs 157.45 cr working capital for manufacturing and service units.
Gaps the plan names
- Off-take of term loans is weak - the PLP flags this as the major factor and says banks need to be more focused on lending against the assessed term-loan potential.
- The district is prone to extreme climatic conditions with very heavy rainfall or drought, and over-use of underground water is pushing the water table toward the danger zone.
- Critical infrastructure support is needed across the sectors identified in Chapter 3 to convert assessed potential into actual credit flow.
- Capital formation in agriculture lags - the plan calls for financing farm mechanisation, rural godowns, dairy and food/agro processing to build durable assets.
- Financial inclusion needs deeper rollout, including coverage of oral lessees and tenant farmers as Joint Liability Groups, plus upscaling of SHG (Sakhi Mandal) linkage.
See the plan's recommendations
What the plan promotes
- Crop loans dominate at Rs 2053.49 cr (46.51% of the plan) for cotton, groundnut and sugarcane, plus wheat, sesame, bajra and jowar; about 78% of holdings are small/marginal farmers averaging 1.52 ha.
- Fisheries is a major allied driver at Rs 216.33 cr term credit (district sits on the Saurashtra coast with Veraval and Una/Kodinar fishing belts) backed by Fisheries College, Veraval.
- Plantation & horticulture (including sericulture) potential of Rs 199.1 cr, supported by Agriculture University, Junagadh and the Sugarcane Research Centre, Kodinar.
- Dairy Development and Drip Irrigation are the two activities chosen under the Area Development Plan; the PLP urges capital formation in farm mechanisation, rural godowns, dairy and food/agro processing.
- Storage and marketing infrastructure (warehouses, market yards, godowns, silos, cold storage/chains) carries Rs 394.31 cr; existing godown capacity is 110000 MT with 9 cold storage units (44000 MT).
- MSME credit potential of Rs 671.93 cr - Rs 514.48 cr investment/term loan and Rs 157.45 cr working capital for manufacturing and service units.
Gaps the plan names
- Off-take of term loans is weak - the PLP flags this as the major factor and says banks need to be more focused on lending against the assessed term-loan potential.
- The district is prone to extreme climatic conditions with very heavy rainfall or drought, and over-use of underground water is pushing the water table toward the danger zone.
- Critical infrastructure support is needed across the sectors identified in Chapter 3 to convert assessed potential into actual credit flow.
- Capital formation in agriculture lags - the plan calls for financing farm mechanisation, rural godowns, dairy and food/agro processing to build durable assets.
- Financial inclusion needs deeper rollout, including coverage of oral lessees and tenant farmers as Joint Liability Groups, plus upscaling of SHG (Sakhi Mandal) linkage.
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 Gir Somnath
Gir Somnath district is a district of Gujarat, India. Gir somnath district is located on the southern corner of the Kathiawar peninsula with its headquarters at the city of Somnath.
Source: Wikipedia — Gir Somnath district
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