Haridwarहरिद्वार
18.9 lakh people. Larger than Bahrain, Estonia, or Mauritius. Governed as one cell of one state.
- Population
- 18,90,422 (18.9 lakh)
- Area
- 2,360 km²
- Headquarters
- Haridwar
₹6,173 cr
of bankable business potential identified by the government in Haridwar.
Source: NABARD PLP 2023-24
Opportunities
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NABARD's plan for Haridwar · PLP 2023-24
₹6,173 crof bankable credit potential identified by the government
MSME
₹2,399 cr
Crop production, maintenance & marketing
₹2,230 cr
Term loans for agriculture & allied activities
₹712 cr
Housing
₹351 cr
Haridwar's NABARD credit plan for 2023-24 estimates about Rs 6,173 crore of lending potential. Roughly half (Rs 3,091 crore, ~50%) sits in farming and allied activities, while industry and small business (MSME, Rs 2,399 crore, ~39%) is the second big pillar, reflecting the district's strong industrial base around SIDCUL Haridwar and Bhagwanpur.
The single largest opportunity is crop lending at Rs 2,230 crore, built on sugarcane, wheat and paddy. Within investment loans, dairy leads at Rs 480 crore — the district milks about 6.5 lakh litres a day and has 329 milk-producer societies — followed by farm mechanisation (Rs 101 crore) and horticulture (Rs 27 crore). Food and agro-processing carries Rs 43 crore, with sugar, oil, rice and flour mills plus private players like Jubilant Foods and Cornitos. The Bhuamrit FPO in Bhagwanpur shows the model working: 460 farmers selling organic jaggery, rice and honey through Gramin Marts in Bhagwanpur, Haridwar and Roorkee. Education (Rs 253 crore), housing (Rs 351 crore) and export credit (Rs 19 crore, tied to pharma, auto and Patanjali Mega Food Park) round out the plan.
The PLP's own concerns: farmers miss Kisan Credit Cards because banks lack timely data; sharecroppers, farm labourers and Tehri Dam displaced families stay unbanked without JLGs; dairy needs better animals, vets and cold-chain; and small units lack outlets to sell their goods.
What the plan promotes
- Dairy is the biggest term-loan opportunity at Rs 480.24 cr, with the district producing about 6.5 lakh litres of milk per day and 329 primary milk-producer societies already active.
- Sugarcane, wheat and paddy are the main crops; agro-processing tied to them includes sugar/khandsari, oil mills, mini rice mills, flour mills and fruit processing (term-loan block Rs 14.53 cr for 70 units).
- Bhuamrit Kisan FPO in Bhagwanpur block runs organic farming with 460 farmers, produces organic jaggery, sugar, rice, flour and about 200 quintals of honey a year, and sells through Gramin Marts in Bhagwanpur, Haridwar and Roorkee (Rs 8.50 lakh turnover).
- NABARD is setting up farmer producer organisations in Khanpur and Roorkee blocks; existing FPOs work in Bahadrabad, Narsan and Bhagwanpur blocks.
- SIDCUL Haridwar and Bhagwanpur industrial estates host large companies and private food processors like Jubilant Foods, Cornitos, Raja Biscuit and ITC, anchoring an MSME plan of Rs 2,399.40 cr.
- Export credit potential of Rs 19.44 cr comes from ~30 export-oriented units in pharma products, automobiles and food, plus Patanjali Mega Food Park.
Gaps the plan names
- Banks cannot get timely data from the Lead Bank, so many eligible farmers miss out on Kisan Credit Cards; only the District Cooperative Bank currently covers sharecroppers, farm labourers and Tehri Dam displaced persons.
- Sharecroppers, farm labourers and Tehri Dam displaced persons need to be linked to credit through Joint Liability Groups (JLGs) so they can access KCC benefits.
- Dairy needs better-breed milch animals, more veterinary hospitals and vets, quality fodder, artificial insemination and infrastructure for milk collection, processing, transport and marketing.
- Small units and self-help groups lack facilities to process and sell their produce; markets should be created at tourist sites to sell local products.
- Land consolidation (chakbandi) is needed, and industrial-block cooperative societies should be formed in Bhagwanpur and Laksar blocks.
See the plan's recommendations
What the plan promotes
- Dairy is the biggest term-loan opportunity at Rs 480.24 cr, with the district producing about 6.5 lakh litres of milk per day and 329 primary milk-producer societies already active.
- Sugarcane, wheat and paddy are the main crops; agro-processing tied to them includes sugar/khandsari, oil mills, mini rice mills, flour mills and fruit processing (term-loan block Rs 14.53 cr for 70 units).
- Bhuamrit Kisan FPO in Bhagwanpur block runs organic farming with 460 farmers, produces organic jaggery, sugar, rice, flour and about 200 quintals of honey a year, and sells through Gramin Marts in Bhagwanpur, Haridwar and Roorkee (Rs 8.50 lakh turnover).
- NABARD is setting up farmer producer organisations in Khanpur and Roorkee blocks; existing FPOs work in Bahadrabad, Narsan and Bhagwanpur blocks.
- SIDCUL Haridwar and Bhagwanpur industrial estates host large companies and private food processors like Jubilant Foods, Cornitos, Raja Biscuit and ITC, anchoring an MSME plan of Rs 2,399.40 cr.
- Export credit potential of Rs 19.44 cr comes from ~30 export-oriented units in pharma products, automobiles and food, plus Patanjali Mega Food Park.
Gaps the plan names
- Banks cannot get timely data from the Lead Bank, so many eligible farmers miss out on Kisan Credit Cards; only the District Cooperative Bank currently covers sharecroppers, farm labourers and Tehri Dam displaced persons.
- Sharecroppers, farm labourers and Tehri Dam displaced persons need to be linked to credit through Joint Liability Groups (JLGs) so they can access KCC benefits.
- Dairy needs better-breed milch animals, more veterinary hospitals and vets, quality fodder, artificial insemination and infrastructure for milk collection, processing, transport and marketing.
- Small units and self-help groups lack facilities to process and sell their produce; markets should be created at tourist sites to sell local products.
- Land consolidation (chakbandi) is needed, and industrial-block cooperative societies should be formed in Bhagwanpur and Laksar blocks.
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 Haridwar
Haridwar district, also spelled Hardwar, is part of Uttarakhand, India that lies in the Doab region, where people traditionally speak Khariboli. It is headquartered at Haridwar which is also its largest city. The district is ringed by the districts Dehradun in the north and east, Pauri Garhwal in the east and the Uttar Pradesh districts of Muzaffarnagar and Bijnor in the south and Saharanpur in the west.
Source: Wikipedia — Haridwar district
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