Suratસુરત
60.8 lakh people. Larger than Denmark, Finland, or Norway. Governed as one cell of one state.
- Population
- 60,81,322 (60.8 lakh)
- Area
- 4,418 km²
- Headquarters
- Surat
₹29,496 cr
of bankable business potential identified by the government in Surat.
Source: NABARD PLP 2023-24
Opportunities
What you can build here
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NABARD's plan for Surat · PLP 2023-24
₹29,496 crof bankable credit potential identified by the government
MSME
₹19,198 cr
Crop production, maintenance & marketing
₹3,614 cr
Housing
₹2,995 cr
Term loans for agriculture & allied activities
₹1,357 cr
Surat's 2023-24 credit plan sizes the district's yearly lending potential at about ₹29,496 crore. The bulk of it — ₹19,198 crore (63%) — sits in MSME, reflecting Surat's standing as one of Gujarat's most industrialised districts. Farming and allied activities make up roughly ₹5,836 crore (about 12%), with another large slice in housing (₹2,995 crore).
On the industrial side, Surat is the country's hub for textiles and diamond cutting & polishing — around 70% of India's diamonds are processed here, with an export outlet at the Surat Diamond Bourse (export-credit potential ₹765 crore). On the farm side, sugarcane and paddy dominate; eight sugar factories run across Bardoli, Olpad, Palsana, Kamrej, Mahuva and Mandvi. Surat is also an Agriculture Export Zone for mango and vegetables, a leading milk producer backed by SUMUL Dairy (dairy potential ₹187 crore), and a growing centre for greenhouse flowers (roses, gerberas, carnations). NABARD has backed a Mega Food Park at Mangrol and a Rural Mart.
The plan's own warnings: tangled land records and oral tenancy block many farmers from borrowing; coastal salinity (Choryasi, Olpad) and tribal blocks (Mandvi, Mangrol, Umarpada) need targeted help; and MSME borrowers need easier working capital and stronger market linkages.
What the plan promotes
- Surat is primarily agricultural with sugarcane and paddy as predominant crops; gross cropped area 315687 ha and crop loan potential of ₹3,614.37 cr.
- Eight sugar factories operate in Bardoli, Olpad, Palsana, Kamrej, Mahuva and Mandvi talukas; sugarcane is the major crop, with sugar manufacturing, milk and food processing as the main agro-based activities.
- Surat is the national hub for textile and diamond cutting & polishing — about 70% of India's diamonds are processed here, with an export outlet at the Surat Diamond Bourse; MSME potential is ₹19,198.40 cr (63% of the plan).
- Notified as an Agriculture Export Zone for mango and vegetables; banana, paddy, groundnut, cotton, mango, sapota and papaya are the main commercial and horticulture crops, with large-scale export of produce, vegetables and fruits.
- Dairy is the most suitable subsidiary occupation — a leading milk producer with dairy credit potential of ₹186.59 cr; SUMUL Dairy and the state Animal Husbandry Department support development, with 501 milk cooperative societies.
- Floriculture and greenhouse cultivation of cut roses, gerberas and carnations are gaining popularity; oil palm and coconut plantation have been introduced; plantation & horticulture potential ₹70.29 cr.
Gaps the plan names
- Land-record updation is the major constraint to agriculture credit: joint-family names on records make NOCs hard to obtain, depriving the actual beneficiary of credit; the PLP suggests state policy to issue valid documents to multiple land-holders and oral lessees.
- A majority of farmers are oral lessees who pay rent to landholders and cannot avail credit on land that does not belong to them.
- Coastal talukas such as Choryasi and Olpad face salinity problems; tribal-dominated blocks like Mandvi, Mangrol and Umarpada need special attention for farm and off-farm growth.
- Some blocks lack canal irrigation and depend mostly on groundwater/wells; the district falls in seismic Zone III with moderate earthquake risk.
- MSME needs critical interventions in skill development and backward/forward linkages; banks should step up working-capital support and finance handloom weavers, handicrafts, artisans and SHGs/JLGs.
See the plan's recommendations
What the plan promotes
- Surat is primarily agricultural with sugarcane and paddy as predominant crops; gross cropped area 315687 ha and crop loan potential of ₹3,614.37 cr.
- Eight sugar factories operate in Bardoli, Olpad, Palsana, Kamrej, Mahuva and Mandvi talukas; sugarcane is the major crop, with sugar manufacturing, milk and food processing as the main agro-based activities.
- Surat is the national hub for textile and diamond cutting & polishing — about 70% of India's diamonds are processed here, with an export outlet at the Surat Diamond Bourse; MSME potential is ₹19,198.40 cr (63% of the plan).
- Notified as an Agriculture Export Zone for mango and vegetables; banana, paddy, groundnut, cotton, mango, sapota and papaya are the main commercial and horticulture crops, with large-scale export of produce, vegetables and fruits.
- Dairy is the most suitable subsidiary occupation — a leading milk producer with dairy credit potential of ₹186.59 cr; SUMUL Dairy and the state Animal Husbandry Department support development, with 501 milk cooperative societies.
- Floriculture and greenhouse cultivation of cut roses, gerberas and carnations are gaining popularity; oil palm and coconut plantation have been introduced; plantation & horticulture potential ₹70.29 cr.
Gaps the plan names
- Land-record updation is the major constraint to agriculture credit: joint-family names on records make NOCs hard to obtain, depriving the actual beneficiary of credit; the PLP suggests state policy to issue valid documents to multiple land-holders and oral lessees.
- A majority of farmers are oral lessees who pay rent to landholders and cannot avail credit on land that does not belong to them.
- Coastal talukas such as Choryasi and Olpad face salinity problems; tribal-dominated blocks like Mandvi, Mangrol and Umarpada need special attention for farm and off-farm growth.
- Some blocks lack canal irrigation and depend mostly on groundwater/wells; the district falls in seismic Zone III with moderate earthquake risk.
- MSME needs critical interventions in skill development and backward/forward linkages; banks should step up working-capital support and finance handloom weavers, handicrafts, artisans and SHGs/JLGs.
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 Surat
Surat district is a district in the state of Gujarat, city as the administrative headquarters of this district. It is surrounded by Bharuch, Narmada (North), Navsari (South) districts and east Tapi district To the west is the Gulf of Cambay. It is the second-most advanced district in Gujarat. It had a population of 6,081,322, of which 79.68% were urban as of 2011. On 2 October 2007 Surat district was split into two by the creation of a new Tapi district, under the Surat District Re-organisation Act 2007.
Source: Wikipedia — Surat district
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