Panchmahal (Godhra)પંચમહાલ
23.9 lakh people. Larger than Bahrain, Estonia, or Mauritius. Governed as one cell of one state.
- Population
- 23,90,776 (23.9 lakh)
- Headquarters
- Godhra
₹1,680 cr
of bankable business potential identified by the government in Panchmahal (Godhra).
Source: NABARD PLP 2023-24
Opportunities
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NABARD's plan for Panchmahal (Godhra) · PLP 2023-24
₹1,680 crof bankable credit potential identified by the government
Crop production, maintenance & marketing
₹650 cr
Term loans for agriculture & allied activities
₹371 cr
MSME
₹266 cr
Working capital - AH & F through KCC
₹113 cr
Panchmahal (Godhra) district's 2023-24 NABARD plan sees about ₹1,680 crore of bankable opportunity for the year. Farming and allied activities make up roughly three-quarters of that (₹1,255 cr), while factories and small businesses (MSME) account for ₹266 cr.
The biggest single opening is everyday crop loans at ₹650 cr (39% of the plan) — this is mainly a paddy, maize, wheat and pulses district. After that, dairy is the standout: it is the second-largest economic activity, worth ₹163 cr, and the plan points entrepreneurs toward the large Panchmahal Dairy Union for milk processing and tie-ups. Fruit and vegetable growing (mango, banana, papaya, citrus, guava, onion, garlic) carries ₹79 cr, and food and agro-processing units another ₹29 cr.
On the industry side, the district is built around the Halol GIDC belt (with Kalol and Godhra) and produces 97% of Gujarat's quartz, feeding steel, automobile and engineering work — MSME term and working-capital loans total ₹266 cr. Pavagadh, a UNESCO heritage site, and the Mata Kalika temple draw steady tourism.
The plan's own warnings: too little processing, grading and cold-storage capacity to sell produce well; falling ground water that needs drip and sprinkler irrigation; a weak credit-deposit ratio of just 52.97% (below the 60% target); and not enough working capital reaching MSMEs.
What the plan promotes
- Crop production is the biggest opportunity at ₹649.96 cr (39% of the plan); paddy, maize and wheat are the predominant crops with pulses, groundnut and tobacco grown across a 232775 ha gross cropped area.
- Dairy is the second largest economic activity after farming, with ₹163.50 cr term-loan potential — banks are urged to tap the large milk-processing capacity of the Panchmahal Dairy Union.
- Plantation & horticulture (incl. sericulture) at ₹78.68 cr — large cultivation of mango, banana, papaya, citrus, guava, brinjal, cabbage, onion and garlic, with the NABARD wadi model lifting tribal incomes.
- MSME potential of ₹266.00 cr centred on the famous Halol GIDC area, with Kalol, Halol and Godhra as major industrial locations focused on mineral, engineering and automobile sectors.
- Panchmahal produces 97% of Gujarat's quartz (exported to other districts) and is a manufacturing base for steel products, automobiles and cryogenic equipment.
- Food & agro processing carries ₹28.80 cr potential — the PLP calls for organized sorting, grading, cleaning and packaging units to channelise farm produce for marketing.
Gaps the plan names
- Marketing infrastructure gap — there is a need to set up organized sorting, grading, cleaning and packaging facilities to channelise farm produce, plus more warehouses and cold chains.
- Water resource management — greater focus is needed to maintain the ground water level, with farmers encouraged to adopt drip and sprinkler ('per drop more crop') irrigation.
- Low private-sector capital formation in agriculture — immediate thrust is required to raise the share of investment credit in total agriculture credit.
- Weak CD ratio — the district's CD ratio was only 52.97% as on 31 March 2022, below the 60% RBI benchmark, with a declining share of agriculture in total advances.
- Inadequate working capital for MSMEs — banks are asked to step up lending to the MSME sector around Halol GIDC, including adequate working-capital assistance.
See the plan's recommendations
What the plan promotes
- Crop production is the biggest opportunity at ₹649.96 cr (39% of the plan); paddy, maize and wheat are the predominant crops with pulses, groundnut and tobacco grown across a 232775 ha gross cropped area.
- Dairy is the second largest economic activity after farming, with ₹163.50 cr term-loan potential — banks are urged to tap the large milk-processing capacity of the Panchmahal Dairy Union.
- Plantation & horticulture (incl. sericulture) at ₹78.68 cr — large cultivation of mango, banana, papaya, citrus, guava, brinjal, cabbage, onion and garlic, with the NABARD wadi model lifting tribal incomes.
- MSME potential of ₹266.00 cr centred on the famous Halol GIDC area, with Kalol, Halol and Godhra as major industrial locations focused on mineral, engineering and automobile sectors.
- Panchmahal produces 97% of Gujarat's quartz (exported to other districts) and is a manufacturing base for steel products, automobiles and cryogenic equipment.
- Food & agro processing carries ₹28.80 cr potential — the PLP calls for organized sorting, grading, cleaning and packaging units to channelise farm produce for marketing.
Gaps the plan names
- Marketing infrastructure gap — there is a need to set up organized sorting, grading, cleaning and packaging facilities to channelise farm produce, plus more warehouses and cold chains.
- Water resource management — greater focus is needed to maintain the ground water level, with farmers encouraged to adopt drip and sprinkler ('per drop more crop') irrigation.
- Low private-sector capital formation in agriculture — immediate thrust is required to raise the share of investment credit in total agriculture credit.
- Weak CD ratio — the district's CD ratio was only 52.97% as on 31 March 2022, below the 60% RBI benchmark, with a declining share of agriculture in total advances.
- Inadequate working capital for MSMEs — banks are asked to step up lending to the MSME sector around Halol GIDC, including adequate working-capital assistance.
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 Panchmahal (Godhra)
Panchmahal district, also rendered as Panch Mahal, is a district in the eastern portion of Gujarat State western India. Panch-mahal means "five tehsils/talukas", and refers to the five sub-divisions that were transferred by the Maharaja Jivajirao Scindia of Gwalior State to the British: Godhra, Dahod, Halol, Kalol and Jhalod, Devgadh Baria. The district had a population of 2,390,776 of which 12.51% were urban as of 2001.
Source: Wikipedia — Panchmahal district
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