Navsariનવસારી
13.3 lakh people. Larger than Mauritius, Fiji, or Cyprus. Governed as one cell of one state.
- Population
- 13,29,672 (13.3 lakh)
- Headquarters
- Navsari
- Established
- 1997
₹2,955 cr
of bankable business potential identified by the government in Navsari.
Source: NABARD PLP 2023-24
Opportunities
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NABARD's plan for Navsari · PLP 2023-24
₹2,955 crof bankable credit potential identified by the government
Crop production, maintenance & marketing
₹803 cr
Micro, Small & Medium Enterprises (MSME)
₹732 cr
Housing
₹500 cr
Term loans for agriculture & allied activities
₹311 cr
Navsari's NABARD credit plan for 2023-24 sizes the district's lending opportunity at about Rs 2,955 crore. Farming dominates: agriculture takes Rs 1,598 crore (54%) while small and medium businesses (MSME) account for Rs 732 crore (25%), with housing adding another Rs 500 crore.
The single biggest opportunity is crop loans at Rs 803 crore - Navsari is Gujarat's top paddy grower and the self-styled "Hub of Horticulture," famous for Alphonso and Kesar mangoes and the country's leading Chikoo. Three other clusters stand out. Dairy (Rs 71 crore of term lending) produces far more milk than the district consumes and ships the surplus to other parts of Gujarat and Maharashtra, with Vasudhara Dairy's plant at Chikhli. Brackish-water prawn farming (Rs 22 crore) is a major hub whose entire daily catch goes to Mumbai for export. And food processing is a real strength - Navsari leads India in puffed rice (poha) with 45 poha mills, sitting alongside sugar factories and solvent plants.
The plan is candid about what holds the district back. Heavy rainfall and floods cause large crop losses almost every year. Banks lend too little against the available term-loan potential, and the credit-to-deposit ratio is just 30% because huge NRI deposits sit idle. Industrial credit has also lagged, hurt by downturns in textiles and diamonds and by better incentives across the border in Daman. Gaps remain in cold storage, post-harvest handling and farm-marketing infrastructure.
What the plan promotes
- Navsari is the Hub of Horticulture in Gujarat and the State's largest paddy producer (20%), famous for Alphonso and Kesar mangoes; PACS such as Amalsad and Gadat (ISO 9001-2000 certified) grade and market the fruit, much of it exported.
- Crop production carries the biggest credit line at Rs 803.07 cr (27.17% of the plan), anchored on FPO formation through the Central Sector Scheme - 10000 FPOs of GoI and the NABARD Fund.
- Dairy is a major activity (term potential Rs 70.67 cr) - the district produces milk far above local needs and exports to other parts of Gujarat and Maharashtra; Vasudhara Dairy runs a processing plant at Chikhli.
- District is a major hub for brackish-water prawn culture (fisheries term potential Rs 22.35 cr), with the entire catch sent daily to Mumbai for export.
- Tops India in puffed-rice (poha) manufacturing with 45 poha mills, alongside sugar factories and solvent extraction plants; MSME potential of Rs 732.39 cr (investment Rs 537.38 cr + working capital Rs 195.00 cr).
- Under SAPCC Gujarat, the National Mission for Sustainable Agriculture has set up a climate-analysis Specific Centre at Navsari (one of three, with Anand and Junagadh); Govt is pushing Mango and Chikoo output as Navsari leads the country in Chikoo.
Gaps the plan names
- Navsari sits in an assured-rainfall zone (avg 1776 mm) and is prone to heavy rainfall and floods, causing huge annual crop loss and economic loss for farmers.
- Low off-take of term loans - banks need to be more focused on lending against the assessed term-credit potential.
- Very low CD ratio of 29.88% (as on 31 March 2022), driven by a large NRI deposit base and the banks' failure to channel credit into newer avenues like greenhouse cultivation, post-harvest facilities, agri-marketing infrastructure and MSME.
- Industrial credit off-take has lagged due to recessionary pressure in textiles and diamonds and to better incentives offered by neighbouring Daman and D&NH, leaving the district industrially backward (D+ category).
- Gaps in post-harvest, value-addition and agri-marketing infrastructure for greenhouse horticulture produce and flowers limit realisation of the district's farm potential.
See the plan's recommendations
What the plan promotes
- Navsari is the Hub of Horticulture in Gujarat and the State's largest paddy producer (20%), famous for Alphonso and Kesar mangoes; PACS such as Amalsad and Gadat (ISO 9001-2000 certified) grade and market the fruit, much of it exported.
- Crop production carries the biggest credit line at Rs 803.07 cr (27.17% of the plan), anchored on FPO formation through the Central Sector Scheme - 10000 FPOs of GoI and the NABARD Fund.
- Dairy is a major activity (term potential Rs 70.67 cr) - the district produces milk far above local needs and exports to other parts of Gujarat and Maharashtra; Vasudhara Dairy runs a processing plant at Chikhli.
- District is a major hub for brackish-water prawn culture (fisheries term potential Rs 22.35 cr), with the entire catch sent daily to Mumbai for export.
- Tops India in puffed-rice (poha) manufacturing with 45 poha mills, alongside sugar factories and solvent extraction plants; MSME potential of Rs 732.39 cr (investment Rs 537.38 cr + working capital Rs 195.00 cr).
- Under SAPCC Gujarat, the National Mission for Sustainable Agriculture has set up a climate-analysis Specific Centre at Navsari (one of three, with Anand and Junagadh); Govt is pushing Mango and Chikoo output as Navsari leads the country in Chikoo.
Gaps the plan names
- Navsari sits in an assured-rainfall zone (avg 1776 mm) and is prone to heavy rainfall and floods, causing huge annual crop loss and economic loss for farmers.
- Low off-take of term loans - banks need to be more focused on lending against the assessed term-credit potential.
- Very low CD ratio of 29.88% (as on 31 March 2022), driven by a large NRI deposit base and the banks' failure to channel credit into newer avenues like greenhouse cultivation, post-harvest facilities, agri-marketing infrastructure and MSME.
- Industrial credit off-take has lagged due to recessionary pressure in textiles and diamonds and to better incentives offered by neighbouring Daman and D&NH, leaving the district industrially backward (D+ category).
- Gaps in post-harvest, value-addition and agri-marketing infrastructure for greenhouse horticulture produce and flowers limit realisation of the district's farm potential.
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 Navsari
Navsari district is an administrative district in the state of Gujarat in India, with its headquarters at the city of Navsari. The district covers an area of 2,211 square kilometres and was formed in 1997 after Valsad district was split into Valsad and Navsari districts. It is the largest producer of chikoos in India.
Source: Wikipedia — Navsari district
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