Kheda (Nadiad)ખેડા
23.0 lakh people. Larger than Bahrain, Estonia, or Mauritius. Governed as one cell of one state.
- Population
- 22,99,885 (23.0 lakh)
- Headquarters
- Kheda
₹4,525 cr
of bankable business potential identified by the government in Kheda (Nadiad).
Source: NABARD PLP 2023-24
Opportunities
What you can build here
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NABARD's plan for Kheda (Nadiad) · PLP 2023-24
₹4,525 crof bankable credit potential identified by the government
Crop production, maintenance & marketing
₹1,810 cr
MSME (Micro, Small & Medium Enterprises)
₹849 cr
Term loans for agriculture & allied activities
₹634 cr
Ancillary activities (incl. food & agro processing)
₹236 cr
Kheda (headquartered at Nadiad) is a farming district through and through. NABARD's 2023-24 credit plan sizes up ₹4,524.81 crore of lending potential, and farming swallows the lion's share: agriculture is ₹3,275.33 crore (72%) while small businesses (MSME) take ₹848.92 crore (19%). The single biggest line is plain crop loans at ₹1,809.72 crore, led by paddy on over 100,000 hectares, plus wheat, bajra, tobacco and cotton.
Three clusters stand out for an entrepreneur. Food and agro processing is worth ₹226.95 crore on its own — Kheda's papad, poha, pickle and spices already sell into the US, Europe, Africa and Australia, and the plan bakes in a dedicated food-processing scheme. Dairy (₹175.22 crore of term loans) rides on the AMUL-linked Kheda District Co-operative Milk Union and 660 milk societies. Horticulture fills over a fifth of cropped land — aonla, papaya, banana, guava and pomegranate — but badly needs cold stores, pack houses and tissue-culture labs. Farm machinery loans are the largest equipment line at ₹183.58 crore, and the Dakor Krishna temple offers untapped tourism upside.
The plan is candid about what holds the district back: a low credit-deposit ratio (just 40.68%, dragged down by NRI deposits), land erosion along the Mahi river ravines, no large industry, too few farmers inside the KCC loan net, and a shortage of storage and processing units. Fixing these is the path to turning Kheda's farm output into higher rural incomes.
What the plan promotes
- Paddy is the highest-value crop with over 100,000 ha under cultivation; NABARD pushes the SRI method of paddy farming to lift yields and cut seed, water, fertiliser and pesticide costs
- Food and agro processing is the standout opportunity at ₹226.95 cr — Kheda's papad, poha, pickle and spices already export to the US, Africa, Europe and Australia, and an area-based food-processing scheme is built into this PLP
- Dairy is the leading allied activity (term-loan potential ₹175.22 cr), anchored by the Kheda District Co-operative Milk Union (AMUL); 660 milk societies are registered, about 37% of all co-ops, leaving room for many more
- Horticulture covers over 20% of cropped area on the district's fertile, well-watered land — key crops are aonla, papaya, banana, guava, ber, pomegranate and custard apple; NABARD wants tissue-culture labs, plant-hardening centres, cold stores and pack houses set up
- Farm mechanisation has the single biggest term-loan line (₹183.58 cr) because large farmers (top 39%) hold about 45.94% of the land and can invest in high-mechanisation farming
- Poultry is a thrust area — Kheda contributes over 20% of Gujarat's poultry production (District Poultry Office, Nadiad), though affordable insurance for birds remains a hurdle
Gaps the plan names
- Low CD (credit-deposit) ratio — only 40.68% as on March 2022 because heavy NRI deposits inflate the deposit base; banks need to lend more locally
- Land degradation in the ravine belt of the Mahi River is eating into usable farmland
- Predominantly agrarian economy with non-farm sector (NFS) development yet to take off — no big industry exists in the district
- Not all eligible farmers are covered under the crop-loan (KCC) scheme; oral lessees and tenant farmers need to be brought into the KCC fold via the Joint Liability Group model
- Shortage of storage infrastructure and food-processing industries — the PLP calls for building storage and setting up processing units
See the plan's recommendations
What the plan promotes
- Paddy is the highest-value crop with over 100,000 ha under cultivation; NABARD pushes the SRI method of paddy farming to lift yields and cut seed, water, fertiliser and pesticide costs
- Food and agro processing is the standout opportunity at ₹226.95 cr — Kheda's papad, poha, pickle and spices already export to the US, Africa, Europe and Australia, and an area-based food-processing scheme is built into this PLP
- Dairy is the leading allied activity (term-loan potential ₹175.22 cr), anchored by the Kheda District Co-operative Milk Union (AMUL); 660 milk societies are registered, about 37% of all co-ops, leaving room for many more
- Horticulture covers over 20% of cropped area on the district's fertile, well-watered land — key crops are aonla, papaya, banana, guava, ber, pomegranate and custard apple; NABARD wants tissue-culture labs, plant-hardening centres, cold stores and pack houses set up
- Farm mechanisation has the single biggest term-loan line (₹183.58 cr) because large farmers (top 39%) hold about 45.94% of the land and can invest in high-mechanisation farming
- Poultry is a thrust area — Kheda contributes over 20% of Gujarat's poultry production (District Poultry Office, Nadiad), though affordable insurance for birds remains a hurdle
Gaps the plan names
- Low CD (credit-deposit) ratio — only 40.68% as on March 2022 because heavy NRI deposits inflate the deposit base; banks need to lend more locally
- Land degradation in the ravine belt of the Mahi River is eating into usable farmland
- Predominantly agrarian economy with non-farm sector (NFS) development yet to take off — no big industry exists in the district
- Not all eligible farmers are covered under the crop-loan (KCC) scheme; oral lessees and tenant farmers need to be brought into the KCC fold via the Joint Liability Group model
- Shortage of storage infrastructure and food-processing industries — the PLP calls for building storage and setting up processing units
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 Kheda (Nadiad)
Kheda district, known as Kaira district during British rule, is one of the thirty-three districts of Gujarat state in western India. It is part of the region known as Charotar, consisting of Kheda and Anand districts. Kheda was an administrative capital during British rule. Nadiad is now the administrative headquarters of the district.
Source: Wikipedia — Kheda district
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