Bhiwaniभिवानी
16.3 lakh people. Larger than Bahrain, Estonia, or Mauritius. Governed as one cell of one state.
- Population
- 16,34,445 (16.3 lakh)
- Area
- 5,140 km²
- Headquarters
- Bhiwani
₹6,994 cr
of bankable business potential identified by the government in Bhiwani.
Source: NABARD PLP 2023-24
Opportunities
What you can build here
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NABARD's plan for Bhiwani · PLP 2023-24
₹6,994 crof bankable credit potential identified by the government
Crop production, maintenance & marketing
₹3,853 cr
Term loans for agriculture & allied activities
₹1,182 cr
MSME
₹1,021 cr
Agriculture infrastructure
₹319 cr
Bhiwani's NABARD credit plan for 2023-24 sizes up about ₹6,994 crore of lending potential. Farming is the heart of it: agriculture and allied activities make up ₹5,600 crore (roughly 80%), while small businesses (MSME) account for about ₹1,021 crore — a reminder that the district is still industrially behind.
The single biggest opportunity is ordinary crop lending at ₹3,853 crore — bajra, guar and cotton in the monsoon season and mustard, wheat and gram in winter, with paddy now creeping into Bhiwani and Bawanikhera blocks. On top of that, longer-term farm loans of ₹1,182 crore are led by dairy (₹308 Cr), irrigation and water works (₹254 Cr), farm machinery (₹193 Cr) and poultry (₹129 Cr). Horticulture is a real bright spot: 14,247 hectares already grow fruit, vegetables, spices and citrus (the district's ODOP crop), with room for guava, mango, amla and aloe vera. Fish farming in leased village ponds and food-processing units (wheat-flour, tomato, chutney) round out the picture, and the plan suggests a dedicated market zone for local thread, weaving, matting and pickle makers.
The plan is candid about what holds Bhiwani back: badly stressed groundwater (4 of 7 blocks over-exploited), too few cold stores, godowns and processing units, weak farmer awareness of schemes, too few credit cooperatives (PACS), and poor market access that keeps farm-gate prices low.
What the plan promotes
- Crop farming dominates: kharif bajra, guar and cotton; rabi mustard, wheat and gram; paddy now spreading in Bhiwani and Bawanikhera blocks despite the district being dry to semi-arid with 4 of 7 blocks over-exploited on groundwater.
- Horticulture covers 14,247 hectares producing 2.29 lakh tonnes; fruit on 3,210 ha, vegetables on 10,900 ha, spices on 112 ha and citrus (ODOP crop) on 1,885 ha, with good scope for guava, mango, amla and aloe vera.
- Dairy is the biggest allied opportunity at ₹308.32 Cr term-loan potential; 809 animal-husbandry cooperative societies (milk/fish/poultry) operate in the district.
- Poultry (₹128.98 Cr) and sheep-goat-piggery (₹67.02 Cr) add further livestock scope alongside farm mechanisation (₹192.99 Cr) as tractors, power-tillers and implements spread.
- Fisheries via panchayat-leased ponds: 12,122 tonnes fish produced from 916 ha in 2020-21 with 96 licences issued; 2021-22 target 12,400 tonnes, a good protein source given limited land availability.
- Food processing is significant in Bhiwani, with wheat-flour (atta), tomato and chutney units already running; the PLP proposes a dedicated market zone for local products like thread, weaving, matting and pickles.
Gaps the plan names
- Farmers lack awareness of central and state schemes; banks, FPOs, farmer clubs and business correspondents need to actively mobilise them, and landless/tenant farmers should be organised into joint liability groups for financial inclusion.
- Post-harvest infrastructure is short: farmers need food-processing units, regular markets, cold storage and rural godowns; a fruit/veg processing unit is badly needed, with AMIF/AMI scheme support.
- Groundwater is severely stressed (4 of 7 blocks over-exploited, 2 semi-critical); reliable irrigation, soil and water testing labs, quality seed and better inputs are required to lift productivity.
- Formation and financing of Agriculture Infrastructure Fund (AIF) projects, more FPOs and JLGs remains inadequate and needs strong promotion.
- The number of Primary Agricultural Credit Societies (PACS) is too low (one PACS serves several villages); PACS need to be strengthened and turned into multi-service societies.
See the plan's recommendations
What the plan promotes
- Crop farming dominates: kharif bajra, guar and cotton; rabi mustard, wheat and gram; paddy now spreading in Bhiwani and Bawanikhera blocks despite the district being dry to semi-arid with 4 of 7 blocks over-exploited on groundwater.
- Horticulture covers 14,247 hectares producing 2.29 lakh tonnes; fruit on 3,210 ha, vegetables on 10,900 ha, spices on 112 ha and citrus (ODOP crop) on 1,885 ha, with good scope for guava, mango, amla and aloe vera.
- Dairy is the biggest allied opportunity at ₹308.32 Cr term-loan potential; 809 animal-husbandry cooperative societies (milk/fish/poultry) operate in the district.
- Poultry (₹128.98 Cr) and sheep-goat-piggery (₹67.02 Cr) add further livestock scope alongside farm mechanisation (₹192.99 Cr) as tractors, power-tillers and implements spread.
- Fisheries via panchayat-leased ponds: 12,122 tonnes fish produced from 916 ha in 2020-21 with 96 licences issued; 2021-22 target 12,400 tonnes, a good protein source given limited land availability.
- Food processing is significant in Bhiwani, with wheat-flour (atta), tomato and chutney units already running; the PLP proposes a dedicated market zone for local products like thread, weaving, matting and pickles.
Gaps the plan names
- Farmers lack awareness of central and state schemes; banks, FPOs, farmer clubs and business correspondents need to actively mobilise them, and landless/tenant farmers should be organised into joint liability groups for financial inclusion.
- Post-harvest infrastructure is short: farmers need food-processing units, regular markets, cold storage and rural godowns; a fruit/veg processing unit is badly needed, with AMIF/AMI scheme support.
- Groundwater is severely stressed (4 of 7 blocks over-exploited, 2 semi-critical); reliable irrigation, soil and water testing labs, quality seed and better inputs are required to lift productivity.
- Formation and financing of Agriculture Infrastructure Fund (AIF) projects, more FPOs and JLGs remains inadequate and needs strong promotion.
- The number of Primary Agricultural Credit Societies (PACS) is too low (one PACS serves several villages); PACS need to be strengthened and turned into multi-service societies.
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 Bhiwani
Bhiwani district is one of the 22 districts of the northern Indian state of Haryana. Created on 22 December 1972, it was the largest district of the state by area before the creation of Charkhi Dadri as a separate district, as it occupied an area of 4,778 square kilometres (1,845 mi2) and administered 442 villages with a population of 1,634,445. Sirsa is now the largest district of the state.
Source: Wikipedia — Bhiwani district
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