Dehradunदेहरादून
17.0 lakh people. Larger than Bahrain, Estonia, or Mauritius. Governed as one cell of one state.
- Population
- 16,96,694 (17.0 lakh)
- Area
- 3,088 km²
- Headquarters
- Dehradun
- Established
- 1871
₹5,952 cr
of bankable business potential identified by the government in Dehradun.
Source: NABARD PLP 2023-24
Opportunities
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NABARD's plan for Dehradun · PLP 2023-24
₹5,952 crof bankable credit potential identified by the government
MSME
₹3,912 cr
Term loans for agriculture & allied activities
₹906 cr
Housing
₹641 cr
Crop production, maintenance & marketing
₹415 cr
Dehradun's NABARD plan for 2023-24 sees about ₹5,952 crore of bankable credit potential, up 8.48% on the year. The money is heavily tilted toward business, not farming: MSME alone is ₹3,912 crore (about two-thirds of the plan), while all of agriculture is ₹1,094 crore (roughly 18%). Housing (₹641 cr) and education (₹156 cr) round out the big consumer lines.
On the farm side, crop loans are ₹415 crore and investment (term) loans ₹906 crore. The standout clusters are dairy (₹147 cr) — cow, buffalo and goat rearing is a major earner and very popular with women's self-help groups — plantation and horticulture including silk-worm rearing (₹126 cr), farm machinery (₹69 cr) and poultry (₹53 cr). Food and agro processing carries ₹60 crore: think flour mills, oil ghanis, cattle feed, and processing of essential oils, fruit, vegetables and spices. Dehradun's official One-District-One-Product is bakery. Industry clusters around the plains near the city — the IT Park, SIDCUL, Selaqui and a planned Pharma City.
The plan flags clear gaps. The credit-to-deposit ratio is only 35% and needs to reach the RBI's 60% target. Only 39,258 of 63,158 farmers hold a Kisan Credit Card, so many small farmers, sharecroppers and labourers are still uncovered. It also calls for modern warehousing and cold storage via the Agriculture Infrastructure Fund, more food-processing units, and better development of the hill areas, which lag the plains.
What the plan promotes
- Total 2023-24 credit potential of ₹5,951.97cr, up 8.48% over 2022-23; MSME dominates at ₹3,911.88cr and agriculture at ₹1,093.92cr.
- Key developmental push: bring dairy, fishery, sericulture and beekeeping farmers under KCC, and roll out the FPO scheme-2020, PM Matsya Sampada Yojana-2020, Agriculture Infrastructure Fund (AIF)-2020 and PM Fasal Bima Yojana.
- One District One Product (ODOP) for Dehradun is bakery production.
- Main food and commercial crops: paddy, wheat, barley, mandua (finger millet) and maize; vegetables and horticulture include potato, green peas, cabbage, cauliflower, okra, onion, mango, litchi, guava, pear, plum, peach, apple, walnut, citrus, and turmeric.
- Dairy is the single largest term-loan line at ₹147.24cr; cow, buffalo and sheep-goat rearing has become a major commercial activity, popular in women's self-help groups.
- Plantation & horticulture including sericulture carries ₹125.54cr of investment-credit potential.
Gaps the plan names
- Low credit-deposit ratio: only 35.27% as of March 2022 (down from 40.58% in 2020 and 37.73% in 2021); large banks (SBI, PNB, BOB, BOI, UGB, DCCB) must jointly work to raise it toward the RBI norm of 60%.
- KCC coverage gap: of 63,158 farmers only 39,258 are covered by KCC and 24,740 debit cards issued; all banks must enrol remaining farmers, especially small/marginal farmers, sharecroppers and agricultural labourers.
- Modern storage and cold-storage infrastructure needs to be built using the Agriculture Infrastructure Fund (AIF).
- Other-priority-sector lending reached only 70% of target against annual credit plan; needs to be raised to the higher norm.
- More food-processing small-industry units need to be established in the district.
See the plan's recommendations
What the plan promotes
- Total 2023-24 credit potential of ₹5,951.97cr, up 8.48% over 2022-23; MSME dominates at ₹3,911.88cr and agriculture at ₹1,093.92cr.
- Key developmental push: bring dairy, fishery, sericulture and beekeeping farmers under KCC, and roll out the FPO scheme-2020, PM Matsya Sampada Yojana-2020, Agriculture Infrastructure Fund (AIF)-2020 and PM Fasal Bima Yojana.
- One District One Product (ODOP) for Dehradun is bakery production.
- Main food and commercial crops: paddy, wheat, barley, mandua (finger millet) and maize; vegetables and horticulture include potato, green peas, cabbage, cauliflower, okra, onion, mango, litchi, guava, pear, plum, peach, apple, walnut, citrus, and turmeric.
- Dairy is the single largest term-loan line at ₹147.24cr; cow, buffalo and sheep-goat rearing has become a major commercial activity, popular in women's self-help groups.
- Plantation & horticulture including sericulture carries ₹125.54cr of investment-credit potential.
Gaps the plan names
- Low credit-deposit ratio: only 35.27% as of March 2022 (down from 40.58% in 2020 and 37.73% in 2021); large banks (SBI, PNB, BOB, BOI, UGB, DCCB) must jointly work to raise it toward the RBI norm of 60%.
- KCC coverage gap: of 63,158 farmers only 39,258 are covered by KCC and 24,740 debit cards issued; all banks must enrol remaining farmers, especially small/marginal farmers, sharecroppers and agricultural labourers.
- Modern storage and cold-storage infrastructure needs to be built using the Agriculture Infrastructure Fund (AIF).
- Other-priority-sector lending reached only 70% of target against annual credit plan; needs to be raised to the higher norm.
- More food-processing small-industry units need to be established in the district.
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 Dehradun
Dehradun district is a district in Garhwal division which is a part of Uttarakhand state in northern India. The district headquarters is Dehradun, which has also served as the interim capital of Uttarakhand since its founding in 2000. The district has 6 tehsils, 6 community development blocks, 17 towns, 764 inhabited villages, and 18 unpopulated villages. The district stretches from the Ganges river in the east to the Yamuna river in the west, and from the Terai and Shivaliks in the south and southeast to the Great Himalaya in the northwest. During the British Raj, the official name of the district was Dehra Dun. In 1842, Dun was attached to Saharanpur district and placed under an officer subordinate to the Collector of the district but since 1871 has been administered as a separate district.
Source: Wikipedia — Dehradun district
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