Reasi
₹622 cr
of bankable business potential identified by the government in Reasi.
Source: NABARD PLP 2023-24
Opportunities
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NABARD's plan for Reasi · PLP 2023-24
₹622 crof bankable credit potential identified by the government
MSME (Micro, Small & Medium Enterprises)
₹226 cr
Crop production, maintenance & marketing
₹212 cr
Housing
₹63 cr
Term loans for agriculture & allied activities
₹63 cr
Reasi's NABARD plan for 2023-24 estimates about Rs 621.70 crore of bankable credit potential. Farming and allied activities make up roughly half at Rs 319.51 crore, and small business (MSME) is the next big block at Rs 225.83 crore (about 40% of the plan). Housing adds Rs 63.45 crore.
The single largest opportunity is crop loans at Rs 211.95 crore, driven by maize, wheat and paddy alongside mango, citrus, apple and walnut orchards across the district's three climate zones. On the livestock side, dairy is the biggest term-loan line at Rs 35.70 crore, with sheep-goat rearing and poultry also called out. Tourism is the standout non-farm engine: the Mata Vaishno Devi Shrine near Katra draws millions of pilgrims and supports 270 hotels, and there is real room in food and fruit processing (Rs 5.26 crore) and in handicraft and handloom, where Reasi has training institutes but weak market links.
The plan is honest about what holds the district back. Banks are thin on the ground: blocks like Bhomag, Gulabgarh, Thakrakote and Jij Bagli have no bank branch, while Katra alone has 41% of them. Irrigation is largely rain-fed, roads and rural infrastructure are weak, factory growth is stalled by hilly terrain, and all 21 village cooperatives (PACS) are non-performing and lending nothing. Building bank reach, skills and FPOs are the named fixes.
What the plan promotes
- Crop production is the largest opportunity at Rs 211.95 cr, built on maize, wheat and paddy food crops plus mango, citrus, apple and walnut horticulture across 3 agro-climatic zones (sub-tropical, intermediate, temperate).
- Dairy development is the biggest allied term-loan line at Rs 35.70 cr; sheep and goat rearing (Rs 5.05 cr) and poultry (Rs 1.69 cr) are also flagged as important allied activities.
- Tourism is the district's major industry, anchored by the Mata Vaishno Devi Shrine (21.90 lakh visitors in 2020-21), Shiv Khori Cave, Baba Aghar Jitto and Nau-Devi Mata Temple, with 270 registered hotels and Katra as the main hub.
- MSME carries Rs 225.83 cr potential (working capital Rs 148.05 cr plus investment credit Rs 77.78 cr), with two industrial estates at Gram More (70 kanal) and Nambla/Vijaypur (1500 kanal).
- Farmer Producer Organisations under GoI's 10000 FPO Scheme are the named thrust area for 2023-24, aimed at collectivising produce and streamlining the farmer supply chain, and may also be registered under the Cooperative Act.
- Handicraft and handloom is an untapped cluster with 6-7 Handicraft Training Institutes and 1 Handloom Training Centre in Reasi; markets at Katra and Shiv Khori (Ransoo) are proposed as sale points.
Gaps the plan names
- Poor branch network and low spread of Business Correspondents: blocks like Bhomag, Gulabgarh, Thakrakote and Jij Bagli have no commercial bank branch, while Katra town alone holds 41% of branches.
- Lack of basic rural infrastructure such as roads and poor irrigation facilities, with rain as the main source of irrigation (net irrigated area only 1474 ha).
- Lack of off-farm skills and facilities for rural industrial entrepreneurship; skill development of rural youth and SHG women is the key suggested intervention.
- Industrial/manufacturing growth has not picked up, probably owing to the hilly terrain, despite two industrial estates being available.
- All 21 PACS in the district are marked NPA in the JCC Bank books and none is currently providing credit to members, leaving cooperative credit dormant.
See the plan's recommendations
What the plan promotes
- Crop production is the largest opportunity at Rs 211.95 cr, built on maize, wheat and paddy food crops plus mango, citrus, apple and walnut horticulture across 3 agro-climatic zones (sub-tropical, intermediate, temperate).
- Dairy development is the biggest allied term-loan line at Rs 35.70 cr; sheep and goat rearing (Rs 5.05 cr) and poultry (Rs 1.69 cr) are also flagged as important allied activities.
- Tourism is the district's major industry, anchored by the Mata Vaishno Devi Shrine (21.90 lakh visitors in 2020-21), Shiv Khori Cave, Baba Aghar Jitto and Nau-Devi Mata Temple, with 270 registered hotels and Katra as the main hub.
- MSME carries Rs 225.83 cr potential (working capital Rs 148.05 cr plus investment credit Rs 77.78 cr), with two industrial estates at Gram More (70 kanal) and Nambla/Vijaypur (1500 kanal).
- Farmer Producer Organisations under GoI's 10000 FPO Scheme are the named thrust area for 2023-24, aimed at collectivising produce and streamlining the farmer supply chain, and may also be registered under the Cooperative Act.
- Handicraft and handloom is an untapped cluster with 6-7 Handicraft Training Institutes and 1 Handloom Training Centre in Reasi; markets at Katra and Shiv Khori (Ransoo) are proposed as sale points.
Gaps the plan names
- Poor branch network and low spread of Business Correspondents: blocks like Bhomag, Gulabgarh, Thakrakote and Jij Bagli have no commercial bank branch, while Katra town alone holds 41% of branches.
- Lack of basic rural infrastructure such as roads and poor irrigation facilities, with rain as the main source of irrigation (net irrigated area only 1474 ha).
- Lack of off-farm skills and facilities for rural industrial entrepreneurship; skill development of rural youth and SHG women is the key suggested intervention.
- Industrial/manufacturing growth has not picked up, probably owing to the hilly terrain, despite two industrial estates being available.
- All 21 PACS in the district are marked NPA in the JCC Bank books and none is currently providing credit to members, leaving cooperative credit dormant.
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
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About Reasi
Reasi district is an administrative district in the Jammu division of Indian-administered Jammu and Kashmir. The Reasi district is bordered by Udhampur district and Ramban district in the east, Jammu district in the south, Rajouri district in the west and by Kulgam district on the north. The Reasi and Rajouri tehsils formed a joint district called the "Reasi district" at the time of the princely state's accession to India in 1947. As part of the reorganisation, the two tehsils were separated and Reasi was merged with the Udhampur district. It again became a separate district in 2006.
Source: Wikipedia — Reasi district
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