State Industrial Profile - Goa (2014-15)
State Industrial Profile - Goa (2014-15)
State Industrial Profile - Goa (2014-15)
Prepared by:
EI Division,
MSME- DI, Goa.
1
CONTENTS
Sl. Page
2 Geographical Features. 4 - 5
3 Administrative Set up 5
4 Demographic features 5 - 11
7 Industrial Scenario 16 - 19
8 Infrastructural Facilities 20 - 24
2
Goa State at a Glance:
3
Introduction:
The State of Goa, located in the West Coast, with an area of 3702 sq. Kms. is a well known
tourist destination due to its scenic beauty, abundant greenery, attractive beaches, temples,
churches, the architectural splendour, wild life sanctuaries, colourful and lively feasts and
festivals. The State of Goa was ruled by Portuguese for nearly 450 years until it was
liberated in 1961.
As per 2011 Census, Goa has a population of 14,58,545 which accounts for 0.12% of the
country’s population. Goa has impressive socioeconomic indicators in terms of literacy rate
of 88.70% (4th rank) and per capita income (I rank) compared to other states of the Country.
I. Geographical Features:
1.1. Location:
The state is located geographically between 15º 48' N 14º 53' N latitude and 74 º 20" E and
73 º 40" E longitude. It lies along the Western (Konkan) Coast 600 kms South of Mumbai
and 300 kms North of Mangalore and is bounded by the river Teracola, in the North, which
separates it from Sindhudurg District of Maharastra State; in the East & South by Belgaum
& Uttar Kannada Districts of Karnataka State respectively; and in the West by Arabian Sea.
I.2. Climate:
Goa has tropical and monsoon type of climate. The climate is humid throughout the year.
The South-west monsoon brings rainfall to the State. The period from June to September
contributes to 89% of annual rainfall with average rainfall ranging from 2500 mm to 4000
mm. Maximum rainfall is received during the month of July. According to a study by
National Institute of Oceanography (NIO), Goa there is wide variation in rainfall within the
state with Valpoi receiving the maximum rainfall of 4162 mm and Panaji receiving the
minimum of 2841 mm. During summer months from March to May, the temperature ranges
from 17 ºC to 37 º C.
4
I.3. Soil:
Coastal Alluvial soil, mixed red and black soil, laterite soil and red sandy soil are the main
types of soil found in Goa. Soil pH ranges from 4.5 - 6.5.
For administrative convenience, the State is divided into two districts, namely, South Goa
and North Goa. The districts are divided into Sub divisions and Talukas. Talukas are
subdivided into revenue circles and revenue circles into Sazas consisting of a group of
revenue villages. Sazas are under the charge of Talathi. Group of Sazas of a revenue circle
is headed by a Circle Inspector. Taluka revenue office is headed by Mamladar. Sub
divisions are headed by Dy. Collector. District Administration is under the control of the
Collector.
South Goa has its administrative headquarters at Margao. The district is divided into five
Sub-Divisions namely Margao, Quepem and Sanguem, Mormugao, Canacona and
Dharbandora and six Talukas namely Salcete, Mormugao, Quepem, Sanguem, Canacona
and Dharbandora.
III.1. Population:
The population of Goa as per 2011 census is 14,58,545 persons with 7,39,140 males and
7,19,405 females. The taluka wise distribution of population of the State as per 2011 Census
is given in the table below.
5
Table 1: Taluka wise distribution of Population in the State as per 2011 census:
Percentage to
State/District
Males Females Total total
/Taluka
population
GOA 7,39,140 7,19,405 14,58,545 100.00
North Goa 4,16,677 4,01,331 8,18,008 56.08
Pernem 38,652 37,095 75,747 5.19
Bardez 1,19,892 1,17,548 2,37,440 16.28
Bicholim 49,931 48,024 97,955 6.72
Sattari 32,574 31,243 63,817 4.38
Tiswadi 90,136 87,083 1,77,219 12.15
Ponda 85,492 80,338 1,65,830 11.37
South Goa 3,22,463 3,18,074 6,40,537 43.92
Mormugao 81,138 73,423 1,54,561 10.60
Salcete 1,45,448 1,49,016 2,94,464 20.19
Quepem 40,722 40,471 81,193 5.57
Sanguem 32,623 32,524 65,147 4.47
Canacona 22,532 22,640 45,172 3.10
Source : Goa Economic Survey 2014-15
From the Table it is evident that there are 8,18,008 persons in North Goa district which
constitute 56.08 percent of the total population, whereas there are 6,40,537 persons in South
Goa district (43.92 percent). Most populated taluka of the state is Salcete with 20.19 percent
of the total population (2,94,464 persons). It is followed by Bardez with 2,37,440 persons
(16.28%) and Tiswadi with 1,77,219 persons (12.15%). Canacona is the least populated
taluka accounting for 3.10 percent of the total population (45,172 persons).
The density of population has increased from 364 persons per sq km. in 2001 to 394 persons
per sq. km in 2011. The Taluk wise density of population as per 2011 Census is given in the
table below.
6
Table 2: Taluka wise Density of Population
Name of
Sl. No. Density of Population
Taluka
GOA 394
NORTH GOA 471
1 Pernem 301
2 Bardez 899
3 Tiswadi 830
4 Bicholim 410
5 Satari 130
6 Ponda 566
SOUTH GOA 326
7 Mormugao 1416
8 Salcete 1005
9 Quepem 255
10 Sanguem 78
11 Canacona 128
Source : Goa Economic Survey 2014-15
The density of population is above the State average of 394 in the talukas of Mormugao,
Salcete, Tiswadi, Bardez and Ponda. Mormugao has the highest density of population of
1,416 per sq km, followed by Salcete with 1,005. Bardez, Tiswadi and Ponda have density
of population of 899, 830 and 566 per sq km respectively. The density of population is
lowest in Sanguem taluka with 78 persons per sq Km.
Goa has 10th rank in the country in respect of sex ratio with 973 females per thousand males
which is much higher than the national average of 940. The district wise sex ratio in the
State since 1900 is given in the table below.
7
Table 3. District-wise Sex Ratio 1900 – 2011
Figures from the table tells that the State which had a high sex ratio during the pre-liberation
era started declining after 1971 onwards. The sex ratio which stood at 981 females per
thousand males in 1971 declined to 975 in 1981 and further to 960 in 2001. Government has
taken efforts to arrest the declining trend in the States’ sex ratio the result of which shows
improvement in the sex ratio to 973 as per 2011 census.
Taluka-wise Sex Ratio as per 2011 Census is given in the Table below.
8
The taluk-wise sex ratio shows that Salcete has the highest sex ratio of 1,025 females per
thousand males followed by Canacona (1,005). Six talukas of the State Mormugao, Ponda,
Sattari, Pernem, Bicholim and Tiswadi have sex ratio below that of the State average.
III.4. Literacy:
There are 1165487 literate persons in Goa comprising of 615823 males and 549664 females
as per 2011 Census. The total literacy rate in the State is 88.70 percent, with literacy rate of
92.65 percent among males and 84.66 percent among females.
Taluka wise Literacy Rates as per 2011 Census is depicted in the Table below.
The literacy rate is highest in Bardez taluka (90.98%), followed by Tiswadi Taluka
(90.37%). Nine talukas namely Pernem, Bardez, Bicholim, Tiswadi, Satari, Ponda,
Mormugao, Salcete and Quepem have literacy rate of more than 85 percent. The literacy
rates in Sanguem and Canacona talukas are 83.43 and 84.68 percent respectively. The male
– female literacy gap in the State as per 2011 Census stood at 7.99 percent.
9
III. 5. Workers and Non Workers:
The total workforce of the state as per 2011 Census stood at 5,77,248 persons which
comprised of 4,76,053 main workers and 1,01,195 marginal workers. The taluka wise
distribution of workers by category of occupation is given in the table below.
Other
State/District Household
Agricultural Workers/ Total Workers
/Taluka Cultivators Industries
Labourers Workers in
Service Sector
Pernem 2655 1876 918 22989 28438
Bardez 3054 1821 3199 86588 94662
Tiswadi 2091 1072 1680 68643 73486
Bicholim 2272 1864 993 32474 37603
Satari 2564 4654 529 16605 24352
Ponda 2766 2833 1543 61975 69117
NORTH GOA 15402 14120 8862 289274 327658
Mormugao 1332 732 877 59221 62162
Salcete 3269 2169 2926 99845 108209
Quepem 3684 4289 708 24209 32890
Sanguem 2658 3530 568 20525 27281
Canacona 5009 1920 767 11352 19048
SOUTH GOA 15952 12640 5846 215152 249590
GOA 31354 26760 14708 504426 577248
Source : Goa Economic Survey 2014-15
The table shows that out of 5,77,248 workers in the State, 3, 27,658 workers (56.76%) are
from North Goa district and the remaining 2,49,590 workers (43.24%) from South Goa
district. Taluk wise distribution of workers shows that, Salcete accounts for 18.75 percent of
the total workers in the State followed by Bardez (16.40%). Out of the total work force,
504,426 persons (87.38%) are employed in service sector. Cultivators account for 5.43
percent of the total work force followed by agricultural labourers (4.64%) and workers in
household industries (2.55%).
10
There are 8,81,297 persons (3,19,604 males and 5,61,693 females) reported as non–workers
in the State including students, persons engaged in household duties, dependents,
pensioners, rentiers, beggars and others.
Sector wise Growth Rate of GSDP at Constant Prices (2004-05) over the previous year is
shown in the table below.
11
Table 8: Sector wise Growth Rate of GSDP at Constant Prices (2004-05)
Sector in crore
2011-12 2012-13 2013-14 (P)
The table reveals that the growth rate under Primary Sector declined drastically from -1.22
percent in 2011-12 to -39.89 percent in 2012-13. During 2013-14 the growth rate improved
and stood at 9.86 percent. This was mainly attributed by the improvement in agriculture,
forestry and fishing wherein the growth rate improved from 4.53 percent in 2012-13 to
13.50 percent in 2013-14 as a result of the steps taken by the Government to revamp the
agriculture sector. Though the growth rate under Secondary sector, which was 12.75 percent
in 2010-11 slowed down in the subsequent years to around 4 percent in 2011-12 and 2012-
13, improved slightly to 5.60 percent by 2013-14. The growth rate under Tertiary Sector
which was 35.56 percent in 2011-12 slowed down to 10.26 percent in 2012-13 and 8.64
percent in 2013-14. This was due to the slowdown in transport, storage and communication
sub-sectors.
12
V. Important Economic Activities of the State:
V.1. Agriculture:
At the time of liberation of Goa, about 70% of the population was engaged in Agriculture.
Share of workers in Agriculture sector has come down since past few years. Paddy, Cashew
and Coconut are the major crops grown in the state. The cultivation of horticultural crops
are gaining importance because of better returns and low risk.
Various schemes have been implemented by Government of Goa to encourage rural youth
to take up agriculture and allied activities. Government has appointed, 25 Kissan Mitras, to
work at the grass root level and assist the farmers in works related to schemes under
Agriculture and allied activities. 25 villages across the State have been selected under
Village Level Agricultural Development Plan. To provide prompt services to the farming
community, two District level Offices, one in Margao, South Goa and the other at Tonca,
Caranzalem, North Goa has been set up.
Exploration for Iron ore in Goa started at the beginning of the 20th Century. Present day
mining and export of iron ore resumed in 1947. The Iron ore deposits are distributed over
the Northern, Southern and Central Blocks of Goa. The Northern Block deposits are richer
both in terms of quality and quantity of the ore, as compared to the Southern and Central
Blocks.
The contribution of Mining & Quarrying to the State’s Gross GDP at Factor cost is
estimated at Rs. 203482 lakhs (at current prices) for 2013-14.
The Supreme Court had banned iron ore mining in all 90 mines in Goa from October 2012
based on the findings of the Justice MB Shah Commission report, a major loss to the
exchequer due to illegal mining over 12 years. According to Goa's Grant of Mining Leases
Policy, 2014, stoppage of mining had a cascading impact on other sectors. Not only those
13
who are directly involved in mining such as the mining companies, truck operators, barge
transporters, mining machinery owners, but small time business / industry such as tea stalls,
automobile workshop, petrol pump, consumer goods vendors, tyre service providers etc.
were all affected by ban. The policy estimates loss of Rs 3,000 crore due to the 2012 ban on
iron ore mining in the state. The ban was lifted on April 2014 , with the condition that the
iron ore mining will be restricted to 20 million tonnes annually and the mining leases for
which renewals were not sought post 2007 have expired and mining there is illegal. Though
the ban was lifted, miners and exporters are pessimistic, as the international market
conditions are now occupied by Australian and Brazilian suppliers
Fishing industry forms the second largest industry both in terms of employment and income
in the state. Numerous ancillary and subsidiary activities around fish harvesting, is also
contributing to Goa’s economy. Goa experiences favourable Climate for fishing activity.
From September to March climate is ideal for fishing activities.
Two types of fish catching are adopted in Goa namely Inland Fisheries and Marine
Fisheries. Inland Fisheries of Goa is spread over 250 kms. Inland fisheries are of two types,
Brackish and Fresh water fisheries. Brackish water fisheries include extensive estuaries or
river mouth, lagoons, back waters and brackish water lakes. Fresh water fisheries include
river system, fresh water lakes, irrigation canals, tanks, reservoirs and ponds.
The quantity of fish exported and foreign exchange earned is depicted in the table below:
14
Table 9: Export of Marine Products 2004 – 2013 from the state
Sl .
Year Qty (in Tonnes) Value (In Lakh)
No.
1 2004 8855 3907
2 2005 11002 6178
3 2006 14117 7299
4 2007 18268 9339
5 2008 21533 19783
6 2009 27009 19563
7 2010 37212 28891
8 2011 37829 33125
9 2012 42675 37918
10 2013 33939 41181
From the table it is clear that export of fish which was showing an increasing trend from
2004 to 2012 has shown a reverse trend from 2012. Though the quantity of export has
declined from 42675 Tonnes in 2012 to 33939 Tonnes in 2013, the value has increased from
37918 Lakhs to 41181 Lakhs.
Various measures are taken by Government of Goa to promote fishing sector. A project
through Rashtriya Krishi Vikas Yojana (RKVY) named ‘Open sea cage culture’ is set up in
South Goa for culturing high valued fish viz. Cobia and Lates Under this scheme the
fishermen have formed self help groups and undergone special training by Central Marine
Fisheries Research Institute(CMFRI), Karwar.
Fish Festival “Aqua Goa” for three days is being conducted in the State to create awareness
about fisheries and sea food. The event provides a platform to
entrepreneurs/Fishermen/farmers from all over the State to exhibit their products.
Goa is blessed with beautiful beaches, rich cultural heritage and the architectural splendours
of its Temples, Churches and ancient houses which attracts tourist from all over the world
15
Government has taken measures in diversification of tourism activities and providing
necessary infrastructure to boost tourism sector. Several key tourism infrastructure projects
like beautification of areas around major tourist’s spots, completion of Panaji jetty, mega
tourism circuit development at Calangute, Candolim, Sangolda and Anjuna were undertaken
to improve the facilities for the tourists. A policy for regulating water sports in the State has
been finalised. The Department of Tourism is participating in National and International
events for promoting tourism and are giving widespread publicity campaigns by releasing
advertisements through Print and Electronic media.
Goa witnessed a boost in Industrial Sector during 1993 to 2002 as a result of special income
tax status from the Government of India and sales tax holiday from the Government of Goa.
The manufacturing sector continued to grow at a rate of 14% upto 2009-10. The sector have
been adversely affected since last few years due to the economic slowdown, lack of a robust
framework for industrial growth, closure of mining activities etc.
The infrastructural facilities in the state are conducive for industrial development due to the
availability of sea port, airport rail and road connectivity, educated population, reliable and
economical power supply and plentiful water resources in addition to the availability of
social infrastructure.
In order to rejuvenate investment under manufacturing sector, Government has approved the
Goa Investment Policy-2014, to create 50,000 jobs and facilitate 25,000 crores of new
investments in the next five years.
16
Table 10: Year wise data on details of units registered under EM part II in Directorate
of Industries Trade and Commerce Goa.
INVT. In Plant & Machinery
UNITS EMPLOYMENT GENERATED
(In Lakhs)
Year Micro Small Medium Total Micro Small Medium Total Micro Small Medium Total
Oct. 06
To 9 3 0 12 151 81 0 232 60.47 600.67 0.00 661.14
Mar.07
2007-08 44 13 0 57 498 394 0 892 217.38 1065.18 0.00 1282.56
2009-10 74 35 3 112 577 1617 128 2322 530.30 4164.25 2225.25 6919.80
2012-13 58 43 2 103 385 2080 240 2705 370.01 6701.15 1266.00 8337.16
2013-14 115 46 8 169 1194 2117 667 3978 789.81 6129.73 4129.45 11048.99
2014-15 99 56 5 160 862 2412 341 3615 625.79 6722.23 3158.60 10506.62
TOTAL 577 276 21 874 5189 12169 1493 18851 3874.97 36515.01 12230.30 52620.28
Major share of units registered under EM part II are under Micro Enterprises (66.01%), followed by
Small Enterprises (31.57%). Share of Medium Enterprises is meagre (2.2%)
Product-wise Classification of MSMEs for two years 2012-13 and 2013-14 are pictured in
the Table below.
Sl.
Product Group No. of units Registered
No.
Up to 2012-13 up to 2013-14
1 Food Products 1323 1340
2 Beverages & Tobacco products 485 486
3 Jute, hemp & Mesta Textile 15 15
4 Textile Products & Garments 233 234
5 Wood Products & Wooden Furniture, Fixture 526 530
6 Paper Products including Printing/publishing 641 650
17
Product wise classification reveals the fact that more number of units are registered in the
categories namely Food products(17), Rubber, Plastic, Petroleum and coal products(15),
Chemical Products(12), Metal Products & parts(13) during the year 2013-14.
Under the Prime Minister's Employment Generation Programme, 30 proposals have been
sanctioned during 2014-15 with a total project cost of 123.76 lakh and involving subsidy of
42.86 lakh generating employment for 123 people.
b. The Goa Handicrafts, Rural and Small Scale Industries Development Corporation
Ltd. (GHRSSIDC):
18
provided with sewing machines, necessary accessories, tools, etc. for undertaking
embroidery and tailoring jobs as self employment. Under “Goa Clay Idol maker’s scheme”
513 claims have been received and the Corporation is in process of finalizing the
beneficiaries.
EDC has so far financed more than 5,350 entrepreneurs for establishing various activities
like dental clinics, ayurvedic and homeopathic clinics, medical stores, photography units,
bakery units, beauty parlours, software development, Xerox centres, communication
centres, tailoring units, flour mill, repairs, sales and service/servicing centre / Mechanical
workshops, acquisition of fishing canoe, sound system, tourist taxi, goods carriers etc., thus
providing opportunities for self employment.
19
VII. Infrastructural Facilities in the State:
VII.1. Transport & Communication: The state has well-developed transport and
communication facilities.
VII.1.1. Transportation by road:
Transportation by road in Goa is considered to be the dominant medium for both passenger
and freight. It has 224 Km of National highway, 232 Km of State Highway and 815 Km of
District Highway. Two National Highways namely NH-17 and NH-4A are passing through
Goa. NH-17 links Goa to Mumbai in the North and Mangalore to the South. NH-4A
connects capital city of Goa, Panaji to Belgaum in the east. The NH-17 A connects NH-17
to Mormugao Harbour from Cortalim and the new NH-17B, four lane highway connects
Momugao Harbour to NH-17 at another location, Verna via Dabolim airport.
To avoid traffic congestion near Panaji area, where the three National Highways meets,
Government has initiated construction of “New Mandovi Bridge” across river Mandovi at
Panaji at a cost of 403 crore, which will serve as a traffic link between North and South
Goa. There is also plan to construct a new six-lane bridge across river Zuari with assistance
from Government of India.
20
It is seen from the Table that the number of vehicles registered has shown a declining trend
from 2011-12 onwards. The number of vehicles registered during 2011-12 was 75,534. It
has declined to 72,763 in 2012-13 and further to 70,990 in 2013-14. The registered vehicle
population became 54537 numbers during 2014-15. Majority of vehicles registered comes
under the category of Motor Cycles.
Two railway lines are running through Goa, the Konkan railway line from north to south
and the South Western railway line from west to east. They meet at the most important
junction of the state namely the Madgaon railway station. Vasco da Gama is the other
important railway station of Goa from where the South Western railway operates.
The South Western railway track was constructed in the 19th century by the Portuguese. It
links the port town of Vasco da Gama to Karnataka at Londa junction from where one can
have connectivity to other parts of India like Bangalore, Hospet, Hyderabad and Kolhapur.
On January 26, 1998, the Konkan Railway was thrown open to the public. Konkan Railway
connecting Mumbai to Mangalore which traverses the entire length of the state is considered
as a blessing to the state especially to the growth of trade & industry.
21
Major Facilities available in the Mormugao Port are Harbour data, Berths, Moorings and
Anchorage Facilities, Berths, Mooring Dolphins, Cargo handling and Cargo facilities,
Mechanical Ore Handling Plant , Stream loading , discharging facilities, Port Railway
facilities, Water supply, Bunkering .
During the financial year 2013-2014 the port handled a traffic of 11.74 million tonnes which
is 2% of the total traffic of 555.49 million tonnes handled by all the twelve major ports of
India. The traffic during the year consisted of 0.04 million tonnes of iron ore 7.87 million
tonnes of coal/coke and 0.87 million tonnes of petroleum products and other liquid cargo.
Other traffic included cargoes like Fertilizer, Bauxite, Containerized cargo, H.R.Steel Coil,
Steel Sabs, Raw Sugar, Granite, Wheat, Wood chips, Pig iron, etc.
Minor ports are located at Panaji, Tiracol, Chapora Betul and Talpona, out of which Panaji
is the main operative port.
VII.1.5. Airport:
Goa is well connected by airline services to most major cities in India. All flights, national
and international, to and from Goa, operate from the Goa Airport at Dabolim near the port
town of Vasco-da-Gama. The airport is about 30 kms from the capital city of Panaji and is
owned by the Indian Navy. Major airline operators such as Air India, Jet Airways, Spice
Jet, Kingfisher Airlines, Go Air, Jet Lite & Indigo have flights carrying passengers and
cargo in and out of Goa. Besides these, a number of chartered flights land in Goa from UK
and other European countries.
At present only domestic cargo flights operate at the Dabolim airport. Shortly it will be able
to handle international cargo operations. Work to convert the old airport terminal into a full
- fledged cargo terminal has already started.
22
VII.2. Power:
Only seven towns were electrified at the time of liberation of Goa in the year 1961. The
Electricity Department under the Government of Goa was formed in the year 1963 and
electrification drive was started in the year 1965.
The table below give clear picture of the status of electricity in Goa during 2013-14
As per the table, the towns and villages of Goa are fully electrified.
For meeting the present and future power requirements of the State, various measures are
being taken by Goa Government. The underground cabling works in the predominantly
tribal inhabited areas of Raia, Nuvem, Verna, Nagoa, Majorda, Utorda, Calata and Loutolim
taken up earlier are on the verge of completion.
Government has secured 20 MW additional allocation of power from the Central Sector
Generating Stations. The work of erection of 2x10 MVA, 33/11 KVA Sub-Station at IT
23
Park, Dona Paula, replacement of 2x40 MVA by 2x50 MVA power transformers at 110/33
KV Sub-station at Tivim and providing additional 50 MVA power transformer at Tivim
Sub-Station is completed by 2014.
With a view to bring the maximum possible area under irrigation, various minor irrigation
schemes are undertaken. These include storage tanks, lift irrigation schemes, bandharas,
irrigation wells etc. Subsidy is given to farmers on a reimbursement basis for construction of
new open wells/bore wells under well subsidy scheme. Three minor irrigation tanks have
been constructed in the State to provide water for irrigation at Chapoli-Canacona,
Panchwadi-Ponda and Amthane-Bicholim.
The present water supply demand in the State is catered through seven regional water
supply schemes installed at Opa, Assonora, Sanquelim, Salaulim, Canacona, Dabose and
Chandel. The Salaulim water supply scheme is the largest amongst all the regional water
supply schemes having capacity of 160 MLD covering most part of the South Goa district.
The total capacity of Water supplied is 528 MLD for the entire State of Goa. Most of the
villages are covered under the seven regional water supply schemes. Majority of rural
population in Goa are covered under treated water. At present the average supply level in
villages is 82 LPCD as against 40 LPCD as per the norms of Government of India for rural
areas.
24
VIII. Financial Institutions in the State and their performance:
As on 31st March 2014, there were 42 commercial banks and 14 cooperative banks
functioning in the State. The 42 commercial banks together had 545 branch networks
accounting for 79 percent of the total bank branches in the State. State Bank of India, Lead
Bank for the State has the maximum number of branches (87), followed by HDFC Bank
(65), Corporation Bank and Bank of India with 47 branches each. Goa State Cooperative
Bank Ltd. has the maximum number of branches (58) among the cooperative banks,
followed by Mapusa Urban Co-operative Bank Ltd. (24) and Goa Urban Co-operative Bank
Ltd. (16).As a whole there are the 694 bank branches in the State.
Year wise number of Bank Branches in the State is shown in the table below.
Number of
Sl.No Year
Bank Branches
1 2009-2010 547
2 2010-2011 598
3 2011-2012 643
4 2012-2013 674
5 2013-2014 694
Source : Goa Economic Survey 2014-15
The deposit mobilisation has increased by 22.81 percent from 39,661 crores in March 2013
to 48,708 crores in March 2014. There is also an increase of 29.04 percent in the gross
credit advanced by the banking institutions in the State, from12,490 crores in March 2013 to
16,117 crores in March 2014.
The Credit Deposit Ratio of the State was 33 percent as on 30.06.2014. The C:D ratio in
respect of North Goa district was 38.74 percent and that of South Goa was 24.85 percent.
The lower C: D ratio was due to heavy influx of deposits, including NRI deposits
25
Table 15: Performance under Annual Credit Plan as on 30.06.2014 (in crore)
Performance under Annual Credit Plan as on 30.06.2014 shows that the achievement under
agriculture sector was 78.03 crores as against the target of 214.12 crores. It was 102.28
crore during the corresponding period of last year. Under Industries sector, there was a
disbursement of 474.67 crores against the target of 132.98 croress. The disbursement of
467.63 crores has been made under other Priority Sector, which was less by 61.93 crores,
over the targeted disbursement of 529.56 crorse. In percentage terms it was 88 percent as
against 67 percent during corresponding period of previous year.
Goa has rich treasures of material resources namely fertile agricultural land, agricultural
produces, Forest resources, Mineral resources, Marine resources. An idea of availability of
these resources will enable one to identify suitable activities to set up under MSME Sector
based on these resources.
IX.1. Agriculture:
Fertile agricultural land available in Goa is suitable for cultivation of paddy, pulses, sugar
cane, garden crops like coconut, cashew, areca nut, mangoes, jackfruits, bananas,
pineapples. As per the analysis of area under different crops since last three years it can be
seen that Cashew nut covers major area under cultivation followed by Paddy and coconut.
Cashew is cultivated in 55936 hectares (2013-14) followed by Paddy, which is cultivated in
42820 hectares (2013-14) and Coconut in 25750 Hectares. Pulses, Groundnut, Vegetables
and Sugarcane are other minor crops grown in the state
26
Table 16: Area coverage and Production under different crops during last three years
Sr. 2013-14
Crops 2011-12 2012-13
No.
Area Prod Area Prod Area Prod
in ha tonnes in ha tonnes in ha tonnes
1 Paddy 47237 182945 45830 184282 42820 189760
2 Pulses 9949 8286 9949 8974 8100 8926
3 Groundnut 3194 8000 3108 7469 2591 6590
4 Vegetable 6498 78201 6645 80511 7004 79920
5 Sugarcane 915 46584 854 46006 872 47669
6 Cashew 55737 23240 55747 23804 55936 24332
7 Coconut 25730 129.28 25712 122.72 25750 128.15
(million (million (million
nuts) nuts) nuts)
Source : Goa Economic Survey 2014-15
The table reveals that area covered under most of the crops in the state is declining or
stagnating during the years from 2011-12 to 2013-14. The cropped area under vegetables
has increased from 6498 ha in 2011-12 to 7004 ha in 2013-14. Marginal increase in
production is visible in some crops namely Paddy and Sugarcane. Except Coconut and
Cashew, other crops are being produced only for domestic consumption and surplus is not
generated for Industrial activities.
Major activities that can be started based on Coconut are preservation and packing of tender
coconut water in pouches , Snow ball tender nut, Coconut water concentrate, Coconut jelly,
Coconut Vinegar, Desiccated Coconut, Coconut Chips, Bottled coconut milk, Coconut
cream, Coconut jam, Virgin Coconut Oil, Coconut Flour, Coconut bites, Coconut shell
powder, Coconut Shell Charcoal, Activated Carbon and Coconut shell based handicrafts.
Based on cashew apple, products that can be manufactured are Cashew Apple Juice, cashew
apple juice concentrate, cashew apple preserve and candy, cashew apple jam, cashew apple
pickle and chutney. Cashew Feni was being processed in Goa since olden days. Cashew
Feni of Goa has obtained GI registration (Geographical Indication) in February 2009. This
attracts benefits like higher revenue to local producers, control on spurious production of
Feni and a boost in sales.
27
Jack fruit trees are found abundantly in the Western Ghats area of Goa. Two types namely
firm fleshed (kappa) and soft fleshed (rassal) jack trees are available in Goa. Most of the
trees bear fruits in peak during June-July. These fruits are not being harvested properly.
Processing and value addition is negligible. The full potential of jack fruit has not been
utilized in Goa. and hence it is a commercially unexploited fruit. Hence there is scope for
value added products based on Jackfruit.
The immature Jackfruits can be sold in ready to use chopped form, packed in pouches. This
product will be in good demand even in Goan market. The mature bulbs can be blanched
and packed for sale as vegetable in the super markets. The pulp of ripe fruits can be
preserved in tins and sold in Indian as well as international markets. Half mature jack fruit
can be used for preparation of Pickle. From fully matured jackfruit, Pappad, pakoda, chips
can be made. Riped Jack fruit pulp can be the raw material for Halwa, Jam, Wine, and
Squash. Jack fruit seeds can be used for the preparation of flour.
Arecanut leaves are available in Goa out of which environmental friendly disposable cups
and plates can be made which are having great demand in catering field.
Horticulture is an important segment of the agriculture sector. Mangoes and pineapples are
the two important horticultural crops, which are available in Goa. From Mango, value
added products like frozen mango pulp, mango bar, dehydrated mango powder, dehydrated
ripe mango slices, unripe and fallen mango pickle, mango nectar and mango syrups can be
manufactured. From Pineapple value added products like Squash, Jam etc. can be prepared.
Goa State Horticultural Corporation Ltd. has launched Flower Point outlet in November,
2014. Prospective applicants are trained in bouquet making and supply them flowers at
cheaper rates for selling standardized bouquets at fixed prices. Making use of this facility,
Bouquet making activity can be taken up by prospective entrepreneurs.
Polyhouses are used in Goa for cultivation of premium flowers like orchids, gerbera,
chrysanthemum, anthurium, etc. and vegetables like capsicum, cucumber etc. There is scope
for starting such polyhouses in Goa availing benefits from Government.
28
Assistance for all types of fruits and spices cultivated on an area of 0.2 ha and above is
provided to the extent of 75 percent of the cost of cultivation or maximum 30000/- per ha
for crops other than banana, papaya and pineapple. This scheme can be utilized by
prospective entrepreneurs in growing fruits and spices on commercial basis.
Farmers cultivating vegetables of suitable commercial variety are identified and selected by
the Goa State Horticultural Corporation Ltd. and their produce is procured at prefixed rates.
During the year 2014-15 (upto Dec’ 2014), 192 MT of vegetables and fruits worth 0.60
crore were procured from farmers. Farmers can take up this activity on commercial basis by
utilizing this scheme.
IX.2. Fisheries:
Varieties of fish namely Prawns, mackerels, sardines, etc. are available in plenty in Goa
coast. The annual fish catch has risen from 92,662 tonnes in 2013 to 1,31,825 tonnes in
2014 registering an increase of 42.26 percent over the previous year.
90% of total population of Goa consume fish on daily basis. Hence the availability of fish
for value addition is less and hence scope for activities based on fish are limited in Goa.
29
Being a tourist place, there is great demand for processed fish items. Few units on value
added fish products are suggested.
There are a number of Fresh Water bodies and lakes like Anjunem reservoir, Selaulim
reservoir, Mayamlake, Carambolian and Churchodem, etc., facilitating the development of
Fresh water fish culture. Short and long seasonal tanks present in the villages are suitable
for cultivating fresh water fish and shrimps.
Goa has a large scope for fisheries production, particularly, through brackish water.
Brackish water prawns faming is considered to be the most lucrative enterprise due to high
local demand.
The primary milk producing talukas are Sanguem Bicholim, Sattari, Pernem and Ponda. The
requirement of milk in Goa is around 4 to 4.50 lakh litres per day, to meet the growing
population and tourists who visit the state. The domestic production of milk is not sufficient
to meet the requirement which is fulfilled by purchasing from the neighbouring states.
In order to augment the production of milk, the Government is implementing many schemes
to encourage farmers. The Kamadhenu Scheme offers subsidy ranging from 40 % to 75% of
the cost of milch animal. The Govt gives subsidy of 25% restricted upto Rs. 3.00 lakh to any
individual for setting up of Modern Dairy Unit, expansion of existing dairy unit, purchase of
modern dairy equipment for existing dairy unit. A scheme called Pashupalan is also being
implemented to cover local breeding and special calf rearing.
There is a wide gap between demand for and supply of milk and milk products. Therefore,
there is a huge scope for dairy farming, calf rearing, modern dairy units etc.
IX.4. Tourism:
The State was visited by 4058226 tourists in 2014 (January to Dec.) compared to 3121473
tourists in the previous year, thereby reflecting a growth of over 30 percent. The number of
30
tourists (both domestic and foreign) who visited the state in the last four years is given in the
Table below.
It can be seen from the above Table that the growth of domestic tourists which was 5.06
percent in 2012 went up to 12.48 percent in 2013 and further to 34.82 percent in 2014.
Similarly growth of foreign tourists which was 1.03 percent in 2012 went up to 9.28
percent in 2013. However in 2014, the percentage increase in foreign tourists dropped to
4.32 percent which was due to a decrease in the number of tourists coming from the
continents of North America, Africa and some parts of Europe.
Tourism related activities: The locals are encouraged to invest in the tourism sector, under
which interested people are issued NOC for erection of tents/huts in their private properties
to enhance accommodation to tourists. The Govt. of Goa has accorded the status of
"Industry' to the tourism sector for the purpose of availing loans from financial institutions.
There is scope for erection of shacks, tents, huts to entertain tourists. There is also scope for
cruise tourism, medical tourism, Cultural tourism, and Adventure tourism in Goa. With an
extensive coast line, water sports are having much scope. The rivers in Goa are suitable for
rafting, canoeing and kayaking. The land area of Goa is suitable for trekking, rappelling,
biking, bird watching, jeep safaris or wild life safaris. Other adventure activities that are
having scope in Goa include dolphin cruises and crocodile spotting, island trips, paragliding
and para sailing.
IX.5. Forest Resources:
The state of Goa is endowed with rich forests. More than 33% of its geographical area is
covered by forest occupying 1224.46 sq. kms of which, reserved forests constitute 20.67
percent and about 65 percent has been declared as Protected Area (PA) encompassing one
31
National Park at Mollem (107 sq. kms.) and six Wildlife Sanctuaries (755 sq. kms.) In
terms of density, the State has 543 sq. kms. of very dense forests, 585 sq. kms. of
moderately dense forests and 11 sq. kms. of open forests.
An area of 338.75 Ha of arid forest land has been brought under plantation in the State with
4.77 lakh seedlings of a variety of species including commercial species like Teak, Madat,
Nano, Gothing, Assan, Terminalia, Mahagony,Bamboo and Cashew.
The State Government has banned cutting of trees as a measure to conserve forests. Hence
there is not much scope for wood based industries.
The state has achieved universalization of elementary education. Several steps have been
taken by the Government to improve the quality of education at all levels by introducing
modern e-learning and teaching aids in its educational Institutions. To create Smart
classrooms, schools are being provided with internet connectivity and online access. 10
smart class rooms utilizing ICT are being set up in Engineering, Pharmacy colleges and
Polytechnics in the State on a pilot basis. The Government is in the process of setting up
NIT-Goa, IIT-Goa and create an educational hub in the State.
Details of education Institutions and enrollement in Goa until 2013 is shown in the Table
below.
32
Table 19: Details of education Institutions and enrollement in Goa until 2013
In the year 2014, Employment Exchanges in the State had registered 21,945 persons,
notified 4,308 vacancies, gave vocational guidance to 1,500 persons and made 1,753
placements.
Goa has the pre-requisites like highest literacy rates in the country and enough educated
people conducive for setting up of IT Industry, Call Centre and other IT enabling service
operations. The Government of Goa has taken the following steps to enable Promotion of
Information Technology Industry in Goa namely setting up of Electronic Manufacturing
Cluster (EMC) for the Electronic System Design Manufacturing (ESDM) at Tuem, Pernem,
Goa over an area of around 5,00,000 sq. mts. under the EMC scheme of the Department of
Electronics and Information Technology, setting up of IT Park at the Kadamba Plateau,
Tiswadi, Goa over an area of around 4,50,000 sq.mts. The proposed IT Park / EMC will
include all types of businesses from IT and ITES sector. Viz. Software Development, BPO,
KPO, Hardware Manufacturing, IT Training Institutes etc.
33
X. Illustrative List of Potential Activities:
The below mentioned products/ activities are given taking into consideration the factors
such as availability of material resources and demand for the products/activities. The
activities are both in the Manufacturing and Servicing Sectors. The list is illustrative and
suggestive only.
• Based on Coconut
1. Preservation and packing of tender coconut water in pouches and aluminium cans
2. Snow ball tender nut
3. Coconut water concentrates
5. Coconut jelly
6. Coconut vinegar
7. Desiccated coconut
8. Coconut chips
9. Bottled coconut milk
10. Coconut cream
11. Virgin coconut Oil
12. Coconut shell powder
13. Coconut shell charcoal
14. Activated carbon
15. Coconut shell based handicrafts.
• Based on Jackfruit
34
• Based on Mangoes
1. Frozen mango pulp
2. Mango bar
3. Dehydrated mango powder
4. Dehydrated ripe mango slices
5 . Mango pickle
35
X.7. Demand based activities:
1. Photography units
2. Beauty parlours
3. Xerox centres
4. Tailoring units
5. Mechanical workshops
6. Hiring of sound system
7. Tourist taxi.
8. Cleaning activities.
9. Power laundry
10. Vehicle Service Station
11 .Event Management Services
12. Fast Food Kiosks
11. Tourist information and support services
12. Interior Design Services
13. AC Servicing & Repair Workshop
14. Fitness Centres/Gyms
15. Paying Guest Services
16. Packet Meals Services
17. Aquarium
18. Crèches
** * **
36
37