Pauri Garhwalपौड़ी गढ़वाल
6.87 lakh people. Larger than Luxembourg, Malta, or the Maldives. Governed as one cell of one state.
- Population
- 6,87,271 (6.87 lakh)
- Area
- 5,399 km²
- Headquarters
- Pauri
₹982 cr
of bankable business potential identified by the government in Pauri Garhwal.
Source: NABARD PLP 2023-24
Opportunities
What you can build here
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NABARD's plan for Pauri Garhwal · PLP 2023-24
₹982 crof bankable credit potential identified by the government
MSME
₹314 cr
Crop production, maintenance & marketing
₹170 cr
Term loans for agriculture & allied activities
₹120 cr
Housing
₹117 cr
Pauri Garhwal's 2023-24 credit plan sizes about ₹981.5 crore of lending potential. Agriculture and allied activities make up ₹354 crore (36%) and MSME ₹314 crore (32%), with housing (₹117 cr) and education (₹70 cr) next.
Within farming, the everyday crop and marketing loans are the single biggest slice at ₹170 crore, covering wheat, paddy, finger millet (mandua), maize, pulses and oilseeds. The standout cash crops are potato in Thalisain block, turmeric and ginger in Nainidanda, and chilli in Beeronkhal, alongside a wide fruit-and-vegetable belt (walnut, mango, litchi, plum, apple, malta, peas, cauliflower). Livestock is where the investment money goes: sheep, goat and pig rearing (₹38 cr), dairy (₹35 cr) and poultry (₹17 cr) — dairy has become a serious commercial activity here. There is also ₹52 crore earmarked for food and agro-processing.
On the non-farm side, MSME is dominated by term/investment credit (₹274 cr) versus working capital (₹41 cr), with the little industry that exists clustered around Kotdwar (Jashodhpur, Balbhadrapur, Sitabpur). Tourism is flagged as a big, under-used job creator.
The plan's own warnings: tiny fragmented plots (95% under 2 hectares), scarce drinking and irrigation water, roads that landslides block every monsoon, power cuts, and weak communications. It also notes only 34,267 of 79,407 farmers have a Kisan Credit Card, so bringing small farmers and sharecroppers into banking is a priority.
What the plan promotes
- Thrust areas for 2023-24: development of the agri/allied sector through livestock, agriculture infrastructure and FPOs.
- Livestock is the biggest term-loan driver: sheep/goat/pig ₹37.82 cr, dairy ₹34.85 cr and poultry ₹16.73 cr; dairy has emerged as a major commercial activity with strong demand for milk products and ongoing breed-improvement programmes.
- Potato is the district's main cash crop (grown well in Thalisain block), with abundant turmeric and ginger in Nainidanda block and chilli in Beeronkhal.
- Fruit and vegetable belt: walnut, pear, mango, litchi, guava, plum, peach, apple, malta, along with peas, cauliflower, French beans, okra, onion; medicinal-plant cultivation is gaining popularity.
- Food & agro-processing potential of ₹52.20 cr plus ₹5.10 cr for agri-clinics/agri-business centres.
- MSME potential of ₹314.10 cr (₹273.60 cr investment + ₹40.50 cr working capital); industry potential is concentrated around Kotdwar (Jashodhpur, Balbhadrapur, Sitabpur areas).
Gaps the plan names
- Small and fragmented land holdings (95% of farm holdings are under 2 hectares), limiting scale.
- Shortage of drinking and irrigation water.
- Roads frequently blocked by landslides during the monsoon, cutting off villages and markets.
- Power cuts and unreliable electricity supply.
- Disrupted communications and a general lack of infrastructural and support facilities; need for veterinary hospitals/doctors, quality fodder, artificial insemination, and dairy collection/processing/transport/marketing infrastructure.
See the plan's recommendations
What the plan promotes
- Thrust areas for 2023-24: development of the agri/allied sector through livestock, agriculture infrastructure and FPOs.
- Livestock is the biggest term-loan driver: sheep/goat/pig ₹37.82 cr, dairy ₹34.85 cr and poultry ₹16.73 cr; dairy has emerged as a major commercial activity with strong demand for milk products and ongoing breed-improvement programmes.
- Potato is the district's main cash crop (grown well in Thalisain block), with abundant turmeric and ginger in Nainidanda block and chilli in Beeronkhal.
- Fruit and vegetable belt: walnut, pear, mango, litchi, guava, plum, peach, apple, malta, along with peas, cauliflower, French beans, okra, onion; medicinal-plant cultivation is gaining popularity.
- Food & agro-processing potential of ₹52.20 cr plus ₹5.10 cr for agri-clinics/agri-business centres.
- MSME potential of ₹314.10 cr (₹273.60 cr investment + ₹40.50 cr working capital); industry potential is concentrated around Kotdwar (Jashodhpur, Balbhadrapur, Sitabpur areas).
Gaps the plan names
- Small and fragmented land holdings (95% of farm holdings are under 2 hectares), limiting scale.
- Shortage of drinking and irrigation water.
- Roads frequently blocked by landslides during the monsoon, cutting off villages and markets.
- Power cuts and unreliable electricity supply.
- Disrupted communications and a general lack of infrastructural and support facilities; need for veterinary hospitals/doctors, quality fodder, artificial insemination, and dairy collection/processing/transport/marketing infrastructure.
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 Pauri Garhwal
Pauri Garhwal district is a district in the Indian state of Uttarakhand. Its headquarters is in the town of Pauri. It is sometimes referred to simply as Garhwal district, though it should not be confused with the larger Garhwal region of which it is only a part of.
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