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Recent Projects

Natural Resource Management

Food Security

Livelihood

Integrated Village Development

Rural Innovation

Financial Inclusion

Natural Resource Management
1. Watershed Development
Leading the team in promoting model watershed projects under
NABARD's Watershed development Fund in Jharkhand RO. By the end
of March 2011, 16 projects were sanctioned in 10 Districts (Deoghar,
Dumka, Dhanbad, Jamtara , East Singhbhum, West Singhbhum,
Koderma, Ramgarh, Gumla, Palamau) of the Jharkhand. Two projects
in Ramgarh district have been completed and are serving as model
projects for the State. These projects will benefits over 15000 ha of
Success Story
degraded and marginal areas of the state by way of Soil conservation,
water resource development, recharge of ground water, agriculture and Project : Tyma Watershed
horticulture development, afforestation, human resource development,
Block : Gola
income enhancement activities etc.
District : Ramgarh

Year No of project Total Total Sanctioned Total disbursed Agency : PRADAN
geographical area amount (Rs. amount (Rs. F.A. : Rs. 62.64 lakh
(Hectares) Crores) Crores) Area Covered : 1016 Ha
2000-01 2 1791 1.30 1.30 Beneficiaries : 632 households
2006-07 5 4651 3.67 3.41
Revenue villages covered: 4
2008-09 2 2395 0.21 0.19
Interventions:
2010-11 6 5910 0.50 0.29
Total 15 14747 5.68 5.19 Soil and water conservation,
water resource development,
Community development
programme, formation and credit
linkage of SHGs, crop
Impact Assessment of Tyma Watershed Project development, drudgery reduction
activities.
Sr Particulars Pre watershed Post watershed
1 Net sown area 101 ha (33% of total land area) 178 ha (58% of total land area)
2 Area under double cropping 17 ha (5.5% of total land area) 102 ha (33% of total land area)
3 Area under triple cropping 06 ha (2% of total land area) 43 ha (14% of total land area)
4 Families with year round security 33.00% 80.00%
5 Av. annual income from Agriculture Rs.4,600.00 Rs.18,000.00
6 Families accessing credit from banks 17 families 138 SHG membe - families
7 Month of engagement in farming 4 month 10 month
8 Plantation and pasture development 0 33.71 ha
9 Bank loan mobilised 0 23.08 lakh

2. Tribal Development

Leading the team in NABARD RO Jharkhand, which is implementing 24 tribal development projects in the
State covering 14 districts (West Singbhum, Ranchi, Godda, Gumla,
Lohardaga, Godda, Dumka, Pakur, Jamtara, Palamu, Garhwa, East Singbhum
, Sariekella Kharsawan , Hazaribagh) with financial support from its Tribal
Development fund. The program is based on a silvi-horticulture farming model
comprising of fruit crop based orchards, border plantation of forestry plants,
which would meet the fuel, fodder, timber, food security as well as medicinal
needs of the tribals beside promoting valuable intercrops during the initial years
of development. It also provides for other income generating livelihood activities
i.e. apiculture, goatery, piggery, poultry, Tassar, Lac cultivation etc. The other
components are, improvement of health, drudgery reduction, women
development etc. The border plantations could be so chosen as to promote
livelihood activities like lac & tassar through appropriate host plant. Out of the
24 projects, 20 projects are purely wadi (Orchard) based projects, 2 projects
are sanctioned for Tasar related activities and 2 projects for supporting poultry
activities in the state. About 16000 tribal families will be benefitted from the
program.

The General Layout of a „wadi‟

The Progress
Sl. Year No of No. of Total Grant Loan
No project s tribal Financial Rs. Rs. Lakh
Families Assistance Lakh
(Rs. lakh)
1 2005-06 1 1000 396.37 360.34 36.03
2 2008-09 1 1000 412.92 392.92 20
3 2009-10 3 3000 1225 1135 90
4 2010-11 11 7435 3194 2939 255
Total 24 15955 6562 6070 491

Food Security
1. System of Root Intensification

System of Rice Intensification

I have been spearheading the SRI movement in Jharkhand through 52
pilot projects on SRI undertaken by us in Jharkhand during 2010-2012,
with the support of 49 PIAs and 5 RAs. Under the pilot projects 34000
farmers were assisted covering 8400 acres. The yield attributes of the
SRI paddy, representing upland, midland and low land situations
involving more than 60 varieties of paddy reflects much higher values
for SRI paddy in comparison to the traditional method of cultivation: the
number of effective tillers per hill (32 for SRI as against 11 under
traditional method); the number of grains per panicle (185 for SRI as
against 115 under traditional method); Grain yield in Q/Ha (69.5 for SRI
as against 35.5 under traditional method); Straw yield in Q/Ha (71.72
for SRI as against 44.2 under traditional method). Similar trend was
observed for each paddy variety and under all the three topographical
situations.

The results clearly established the additional food security potentials
following SRI method of cultivation i.e. 155 days, 546 days and 1109
days for land holding class 0-1acre, 1-2 acre and above 2 acres
respectively. The results also showed better cost : benefit ratio for SRI
method over traditional method in all the three land types. The Project
also showed drastic reduction in seed requirement as well as draught
proofing mechanism of SRI.

The SRI method is also being tried in wheat, mustard and other crops
by our PIAs in Jharkhand.

The success of the pilot projects attracted attention of Dr. Norman
Uphoff, Professor, International Institute for Food, Agriculture and
Development, Cornell University, NY, who had come down to
Jharkhand during 4-6 January, 2012 to share his experiences and also
to meet the stake holders of SRI in Jharkhand.

The results of the SRI projects in Jharkhand was presented by me at
the Jan 13th round table organised by the National Consortium on SRI
(NCS) for the 12th Five Year Plan, held at the Council for Social
Development, Lodi Road, New Delhi.

Food Security
2. Intensive vegetable cultivation through Drip
The program was conceived by me to explore the possibilities of
improving the cropping intensity, especially by bringing more area
under cropping during Rabi season, through the application of drip
irrigation to vegetable cultivation and improving its productivity. A
program was drawn up to promote the activity in areas having
irrigation facilities, through selection of beneficiaries eligible for bank
finance and subsidy under National Mission on Micro-Irrigation
through experienced NGOs, which are to provide the required support
in terms of capacity building, exposure visits, on-farm extension
support, supply of inputs including planting materials, for which poly-
nurseries have been provided to each project. The program is to
cover 3500 farmers in 12 districts with the management support of 24
NGOs and technical support from ICAR Research institute for Eastern
Region and the SAU. The program is Bank finance linked.

The initiative of NABARD has resulted in installation of more than
1500 drip systems and 25 Poly nurseries in the State so far. Many
more farmers are joining the program. Apart from the regular capacity
building programs, the system providers are also conducting
demonstrations on installation and maintenance of Drip system. So
far 2600 beneficiaries have been trained. A grant of Rs.1.80 Crore
has been sanctioned under the program to 25 NGOs under the
project. An amount of Rs.78.10 lakh has been disbursed so far under
the program.

Progress
Objective of the program Outcomes of the project

Standardize the cultivation practices The package of practices, yield
& production parameters of different parameters and economics worked
vegetables under Drip Irrigation out in r/o 08 crops so far

Enhance unit area productivity Yield increase by 35-60% observed

Increase in Farm Income Increase in income - more than Rs.
50,000 from 25 decimal area.

To reduce water requirement 40-50% reduction in water
requirement observed
Better adoption of the technology To be assessed post-project

Livelihood Promotion
Sericulture (Tassar Cultivation)
In Jharkhand, Tassar Sericulture is being practiced traditionally by
the Tribals since time immemorial. Considering the availability of
rich forest area and available skill, there exists immense scope for
sustainable employment opportunities through sericulture activities.
Kharsawa district of Jharkhand is considered to be the epicentre for
Tassar silk. Jharkhand state alone accounts for more than 40% of
Tassar Silk production in India.

Tassar activities
MASUTA, a producer Company, based at Deoghar, promoted by
PRADAN and JHARCRAFT, a GoJ promoted producer
organisation, based at Ranchi are the major players in the sector.
MSUTA is a producers' company of Tassar yarn reelers and
spinners. However, this activity has spawned a host of other
activities in the region like Arjun plantation on degraded land,
Tassar cocoon growing, growers of seed cocoons, grainages, etc.,
bringing about a slow but steady economic, social and
environmental evolution in the region. Finished yarn is sorted,
graded and packed at the grading centers. The sorting and grading
is done by experts and the producer gets remuneration as per the
grading of the produce.

Our Intervention
Realising the potentials, based on value chain analysis of the
sector, NABARD, Jharkhand RO, has been providing working
capital assistance to the two organisations i.e. MASUTA and
JHARCRAFT, for purchase of cocoon and marketing. The MASUTA
project has supported 2500 tribal women under NABARD loan
assistance of Rs. 200 Lakh. With this effort the average income of
each beneficiary has increased by Rs. 25000 per annum.

A project on 'Improved Solar Powered Spinning Machines' has been
sanctioned to PRADAN for providing improved solar powered
spinning machines to the women Tassar yarn spinners in Dumka
district with grant assistance of Rs. 9.58 lakh. The intervention has
led to increased productivity, drudgery reduction and spinoff benefit
in terms of increased study period for the children at night.

As a backward integration we have supported PRADAN for Tassar
based 'Wadi' program, in Godda district

Lac Production
Lac is an importance economic activity for the tribal population of the
State. Based on its value chain analysis, we have drawn up a strategy
in consultation with the stakeholders to address the various issues
confronting the sector, starting with technology for cultivation and
supply of good quality brood lac to value addition and marketing.

Our Interventions

1. Support for improvement in technology of lac cultivation involving
higher productivity, survival and returns, through Indian Institute of
Natural Resins and Gums (IINRG), Ranchi.

2. Action research programme on Kusumi lac cultivation on ber
(alternate host) was sanctioned to 04 agencies in Ranchi, Khunti,
West Singhbhum districts. The 04 agencies were given a total grant
assistance of Rs. 34.53 lakh which benefitted 1100 families.

3. Our intervention in this regard has helped in improving availability of
brood lac and also increased its productivity during 2010-11.

4. In order to promote scientific cultivation of Kusumi Lac involving two
alternate host plants i.e. Kusum and Ber during summer and
monsoon respectively, 05 projects have been sanctioned with a total
grant support of Rs. 40.53 lakh for 3 years (2010-2013). This
program would benefit 2400 lac growers in the state in transfer of
advanced technology of broodlac prodution. The scientific package,
involves identification of good host plants, improved pruning
techniques, superior practices for brood innoculation, rotation of
brood, spraying of insecticides and fungicides in a regulated
schedule, follow up on male insect emergence, predator attacks,
proper growth, proper time for harvest and better conversion
(around 2.5 to 4 times).

5. We are also supporting lac processing, product development and
value addition for which, a grant support of Rs. 10 lakh was
extended to BIOVED, Allahabad, to impart training on cultivation of
lac as well as lac based handicrafts to the beneficiaries in Jharkhand
at their doorsteps.

Financing Small Holder Women Poultry Growers Society
In order to promote livelihood opportunities of tribal women, we have
been looking for avenues to support producers organizations for the
required interventions in the value chain. Jharkhand Women Self
Supporting Poultry Cooperative Federation ltd. provided us the
opportunity for the much needed intervention.

It is a state level federation of women poultry cooperative societies.
The aim of the federation is, storage, marketing, processing, input
supply, veterinary services, health care, insurance, capacity building of
the growers etc. Presently, the federation has 9 member Co-
operatives with operations spread over Lohardaga, Gumla, Khunti,
E.Singbhum, Bokaro, Koderma, Godda and Dumka districts. The
current scale of chick placement in all the cooperatives is to the tune
of 6 lakh day-old chicks per month. At this scale, the Federation
sustains the largest organised poultry operations in eastern India with
3600 producer members.
The units were initially of smaller size with 300 birds, which have
increased to 500 birds at present. It was observed that some of the
units which are in operation for 8 years, have gained sufficient
experience and have expanded to 1000 birds, with own savings. The
cost of shed & equipment was reported to be Rs. 75/Ft2 and rearing
cost to be Rs. 55/bird as under.
The rearing period varied from 30-35 days and each cycle of 45 days.
The number of batches varied from 6-8 in a year, with an average of 7
batches. The net income was in the range of Rs.2500-3000/ batch of
500 birds.

The services extended by the Co-operative includes, Supply of Day
Old Chicks; production of feed at its feed mixing plant ; Supply of feed
to growers; Supply of medicines & vaccines; Marketing and Capacity
building of members.

Realising the potentials of the sector, we took the initiative of carrying
forward the program by supporting the 1000 new units in Godda and
Dumka districts by providing a total loan amount of Rs, 208 lakh and a
grant support of Rs, 33 lakh under its UPNRM window and an additional grant amount of Rs.84 lakh
out of its Tribal Development Fund. Successful implementation of the project would give
opportunities for Banks and NABARD to finance such producer‟s organizations in the state..

Village Development Program (VDP)
Degraded Resource
The development indices of the State, indicates that the average family
income, infrastructure development and human development of rural
Jharkhand is far behind the national average and the gap is even wider
when compared with the advanced states. The most glaring deficiencies
are in the areas of Irrigation coverage, road connectivity, access to
electricity, power consumption, per capita income, pucca houses,  Soil erosion.
sanitation, drinking water facilities, literacy rate, the net sown area and  Scanty Rainfall.
cropping intensity.  Forest disappeared
 Increase in population
 Increase in animal husbandry
It is in the above backdrop that NABARD felt the need for integrated
 Drought
village development addressing the issues of rural infrastructure, water  Decrease in agricultural
resource, natural resource management, improvement in farm income, productivity.
intensification of crop production and productivity, crop diversification,
promoting livelihood (allied agriculture/forest based/non-farm activities), The Revival
cluster development, use of renewable energy, human development,
social development, financial exclusion, value addition at producers
level, marketing etc. Such integrated village development is possible
only through convergence of various development programmes /
schemes of the State / Central Government, NABARD, various
development agencies; credit support from the financial institutions,
technology transfer from research institutions and support from the civil
society organisations.  Improved agricultural
productivity
 Increased Livelihood opportunity
With the above objectives in mind, I have been leading the team at  Improved energy use
NABARD RO, Jharkhand, which has launched VDP in 34 villages all  Improved Health status
over the State. The results are very encouraging in terms of post-  Improved Literacy
development indices. The results from one such village is presented  Financial Inclusion for all
here.  Improved water and sanitation.
 Improved Housing
The Story of Tardiha Village
VDP in the village Tardiha in Mohanpur block of Deoghar district is an on-going
project. The village is very backward from the point of view of infrastructure,
agrarian production & productivity, livelihood opportunities, human
development and financial inclusion. The cropping intensity is a mere 60%. The
livelihood opportunities are not many. The Progress.....

Particulars Pre-Project Present Status
Irrigated Land (Ha) 11.3 22.3
Resource Mapping
Wasteland (Ha) 3.7 2.7
Cropping intensity (%) 60 145
Yield of Paddy (Qtl./ Ha) 15 50
Yield of Wheat (Qtl./ Ha) 11 42
Yield of Maize (Qtl./ Ha) 9 25
Poverty Induced Migration (%) 50 20

Rural Innovations
A project to assess its efficacy of rearing Khaki Campbell breed of duck
through backyard management as viable enterprise, was supported to
Ramakrishna Mission KVK at Ranchi and supervised by me. It has
proven to be one of the most profitable enterprise for the rural people
especially the tribal people of Jharkhand. The same has spread to other
parts of the State as a viable livelihood opportunity.
While engaged in a discussion with the scientists at ICAR Research
Complex for Eastern Region Centre at Plandu, Ranchi, it appeared to
me that the technology of ultra-high density orcharding of guava if
developed fully, could offer a viable package of practice for the upland
areas of Jharkhand. An experimental projects was thus sanctioned to
the institute. The results of the trials indicate yield possibility of 15-18
tons/acre, compared to productivity of 3-5 tons/acre under traditional
method. Thus, it may be concluded that the yield per unit area following
the technology, is 4 times the existing production. A profit of Rs.1.16
lakh can be obtained over a period of 4 year.
We supported one unique initiative of Naree Samvedana and Jharkhand
Alternative Development Forum, for setting up Micro Thermal Power
Plant in a remote village (Dalbhanga) of Kuchai block in Saraikela-
Kharsawan district. The project is able to provide electricity to more than
200 households in the village. The 10 KW thermal power plant fired by
biomass, the availability of which, is immense in the forest around the
village, help in lighting the homes and also runs machines like oil
expeller, atta chakki, and water lifting devices.

An intervention on use of renewable solar energy has been made in
watershed project areas by Indian Rural Association (IRA) with our
support under Rural Innovation Fund towards setting up of 7 nodes of
solar home light system, comprising of 30 SHL units and one charging
station per node at a cost of Rs. 8.40 lakh. The SHL units have resulted
in increase in productivity of the handloom units by 3 hrs. per day and
the children are able to use the same for study in the evening hours. The
charging stations beside earning Rs 200/- per day from charging of SHL
systems are able to earn additional amount of Rs. 300/- from charging of
mobile telephones.
With a view to providing alternate livelihood opportunities and also to
address the issue of malnutrition, we have supported a pilot project on
spirulina cultivation to RACHNA, an NGO in Deoghar, for setting up of a
mother unit and capacity building of 20 SHG members for production
and marketing of spirulina. The women members are earning around
Rs3000/- per month from this activity.

Financial Inclusion
As per the National goal for financial inclusion, banking outlet has to be
provided in every village having population above 2000 by March 2012.
There are 1541 such villages in Jharkhand and as per SLBC plan,
banking outlets in all those villages will be set up in two phases i.e. 730 in
2010 – 11 and in 811 in 2011 – 12. Moreover, all the households in the
state need to be financially included by 2015.
FIF & FITF: Around 75 percent of population in Jharkhand is yet to be
financially included. Dr. Rangarajan‟s committee has identified 12
districts as extremely financially excluded. There are two funds with
NABARD – the Financial Inclusion Fund (FIF) and the Financial Inclusion Level of Exclusion : 75%
Technology Fund (FITF) with an initial corpus of Rs. 500 crore each,
subsequently enhanced by another Rs. 100crores, to be contributed by Unbanked Villages : 1541
GoI / RBI / NABARD. The FIF focuses on interventions like, “Farmers‟ (>2000 population)
Service Centres”, “Promoting Rural Entrepreneurship”, “Self-Help Groups
and their Federations”, “Developing Human Resources of Banks”,
“Promotion of Resource Centres” and “Capacity Building of Business Progress under FITF & FIF
Facilitators and Correspondents”, while the FITF will focus on funding of
low-cost technology solutions.
Pilot project : 2 lakh Cards
NABARD initiatives (to 2 RRBs)
In Jharkhand RO, we have supported a number of programs under FIF &
FITF to the Banks & NGOS to meet the above goals: Addl. Prog. : 9 lakh Cards
(423 villages)
FIF :
 Financial literacy camps in 740 villages with grant of Rs. 25 Lakhs
 10 stake holders‟ capacity building program (Rs. 14 Lakhs) No Frill A/C : 40 lakh
 2 programs on Bank Linkage of 5300 households to ISMW & Basix (By Banks)
 Doordarshan program for 24 episodes on financial inclusion
 Assistance of Rs. 14 lakhs to the 2 RRBs to conduct street plays in
150 villages
FITF :
 To address the need for low – cost technology solutions NABARD has
provided grant assistance of Rs. 16.99 Crores to both the RRBs in the
state for implementation of card based ICT solutions and conversion
of all their branches to CBS.
 Additional support for hand held devices, smart cards &
personalization 423 villages with population more than 2000 but
unbanked.
As a result of such interventions, coupled with efforts of other banks, the number of “No Frills
Accounts” in the state has reached 40 lakh as on 31 March 2011 with a lot more in the offing.

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