Dr Bilal stresses on improving Credit Score & faster approvals under JKCIP
Budgam : Deputy Commissioner Budgam, Dr. Bilal Mohi-ud-Din Bhat, Friday chaired a comprehensive review meeting to assess the progress under the Holistic Agriculture Development Programme (HADP) in Budgam district.
The meeting focused on department-wise achievements, application approvals, unit establishment, fund utilisation, and measures to improve credit score and enhance approval rates under the J&K Credit Incentive Programme (JKCIP).
The meeting was attended by Chief Planning Officer (CPO) Budgam, Chief Agriculture Officer (CAO), Chief Horticulture Officer (CHO), Chief Animal Husbandry Officer (CAHO), Chief Sheep Husbandry Officer (CSHO), besides other concerned district and sectoral officers.
During the meeting, the DC stressed upon strengthening coordination between line departments, banks and implementing agencies to ensure timely sanction of cases, improvement in beneficiaries’ creditworthiness and faster credit linkage under JKCIP.
He emphasized that special focus must be laid on pending and rejected cases, so that genuine beneficiaries are facilitated after removal of deficiencies.
In meeting the chair was apprised that the district received a total of 41432 applications under HADP, out of which 27,569 applications were approved at DLO level and 26,416 at CIC level.
During the current financial year 2025–26, 5,800 units were established, taking the cumulative total to 12,457 units, while 7,086 units are being tracked on the OTA platform.
It was informed that an amount of ₹1,723.865 Lakh has been released under HADP so far, of which ₹1,115.887 Lakh has been utilised and ₹266.191 Lakh booked as expenditure, achieving an overall expenditure of 80.17%.
The chair was also apprised that Agriculture Department has received 26,786 applications, with 16,803 approvals at both DLO and CIC levels. During 2025–26, 3507 units were established, taking cumulative units to 7,855, while 4,158 units are tracked on OTA. Against ₹796.42 lakh released, ₹565.1 lakh was utilised and ₹151.29 lakh booked, achieving 90% expenditure.
Likewise, Animal Husbandry Department received 6,790 applications, with 5,173 approvals at DLO level and 4,653 at CIC level. 1,618 units were established during the year, raising cumulative units to 3,227, with 1,901 units tracked on OTA. The department achieved 78.88% expenditure, utilising ₹203.562 lakh out of ₹327.84 lakh released.
Similarly, the meeting was informed that Fisheries Department received 234 applications, with 115 approvals at DLO level and 107 at CIC level. 22 units were established in 2025–26, taking cumulative units to 54, with 31 units tracked on OTA. Against ₹98.6 lakh released, ₹63.8 lakh was utilised, achieving 75.35% expenditure.
Further, Horticulture Department received 4,584 applications, out of which 3,455 were approved at DLO level and 3,080 at CIC level. 113 units were established during the year, taking cumulative units to 638, with 482 units tracked on OTA. Funds released amount to ₹258.98 lakh, with ₹100.785 lakh utilised, achieving 53.36% expenditure.
Meanwhile, Horticulture Planning & Marketing recorded 206 applications, with 52 approvals at DLO level and 44 at CIC level. 10 units were established in 2025–26, taking cumulative units to 22, with 16 units tracked on OTA. The department achieved 81.71% expenditure, utilising ₹71.5 lakh out of ₹87.5 lakh released.
Regarding Sericulture Department, it was informed that the department has received 232 applications, with 153 approvals at both DLO and CIC levels. 40 units were established during the year, taking cumulative units to 79, with 77 units tracked on OTA. Against ₹9.025 lakh released, ₹8.23 lakh was utilised, achieving 98.83% expenditure.
Likewise, Sheep Husbandry Department recorded 2,600 applications, with 1,818 approvals at DLO level and 1,576 approvals at CIC level. During 2025–26, 490 units were established, taking cumulative units to 582, with 421 units tracked on OTA.
The DC directed all concerned departments to accelerate unit establishment, ensure maximum saturation of eligible beneficiaries, and improve credit linkage under JKCIP.
He emphasized quality monitoring, transparency, and real-time tracking of units on the OTA (online tracking application) platform, while ensuring optimal utilisation of funds to realize the intended socio-economic objectives of HADP in Budgam district.
