India - Seventh Population Project

Docunent of The World Bank FOR OFFICIAL USE ONLY Al 3/qf - I Report No. P-5249-IN MEMORANDUM AND RECOMMENDATION OF THE PRESIDENT OF THE INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT AND THE INTERNATIONAL DEVELOPMENT ASSOCIATION TO THE EXECUTIVE DIRECTORS ON A PROPOSED LOAN IN AN AMOUNT EQUIVALENT TO USt10.0 MILLION AND A PROPOSED CREDIT OF SDR 67.10 MILLION (US$86.70 MILLION EQUIVALENT) TO INDIA FOR THE SEVENTH POPULATION PROJECT APRIL 26, 1990 This document has a restricted distribution and may be used by recipients only In the performance of their official duties. Its contents may not otherwise be disclosed without World Bank aultorization.  CURRENCY EQUIVALENTS Rupee 16.5 = US$ 1.00 Rupee 1.00 - US$ 0.06 METRIC EQUIVALENTS 1 Meter (m) - 3.28 feet (ft) 1 kilometer (km) - 0.62 miles FISCAL YEAR April 1 - March 31 ABBREVIATIONS ANM - Auxiliary Nurse Midwife CHC - Community Health Center DTC - Divisional Training Center DTT - District Training Team PWP - Family Welfare Program GOI - Government of India IEC - Information, Education and Communication IUCD - Intra-Uterine Contraceptive Device ISM - Indian System of Medicine MOHFW - Ministry of Health and Family Welfare MCH - Maternal and Child Health PHC - Primary Health Center SCOVA - Standing Committee on Voluntary Agencies SIHFW - State Institute of Health and Family Welfare  FOR OMFCIL USE ONLY INDIA SEVENTH POPULATION PROJECT Loan/Credit and Project Summary Borrowers India, acting by its President. Beneficiaries: Governments of Bihar, Gujarat, Haryana, Jammu and Kashmir and Punjab. Amounts: IBRD: US$10.00 million equivalent. IDA: SDR67.10 million (US$86.70 million equivalent). Terms: IBRDs 20 years, including 5 years of grace, at standard variable interest rate. IDA: Standard, with 35 years maturity. On-lending Terms: Gover lmnt of India (GOI) to Bihar, Gujarat, Haryana, Jammu and Kashmir and Punjab: In accordance with standard arrangements for development assistance to States for the development of family welfare projects on terms and conditions applicable at the time. At present, central assistance for family welfare is provided on a grant basis. Local Foreign Total ------ US$ Million------ Financing Plan: IBRDlIDAt 85.50 11.20 96.70 GOI s 44.80 - 44.80 Total Project Cost * 130.30 11.20 141.50 Economic Rate of Return: Not applicable. Staff Appraisal Report: Report No. 8385-IN: dated April 24, 1990. * Including Taxes and Duties of US$3.05 million. This document has a restricted distribution and may be used by recipients only in the performance of their official duties. Its coptents may not otherwise be disclosed without World Bank authorization.  MEMORANDUM AND RECOMMENDATION OF THE PRESIDENT OF THE INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT AND THE INTERNATIONAL DEVELOPMENT ASSOCIATION TO THE EXECUTIVE DIRECTORS ON A PROPOSED LOAN AND A PROPOSED CREDIT TO INDIA FOR THE SEVENTH POPULATION PROJECT 1. The following memorandum and recommendation on a proposed loan and credit to India is submitted for approval. The loan would be for US$10.00 million equivalent and would have a term of 20 years, including 5 years of grace with a standard variable interest rate. The credit, for SDR67.10 million (US$86.70 million equivalent), would be on standard IDA terms with 35 years maturity. The loan and credit would help finance a population project in the States of Bihar, Gujarat, Haryana, Jammu and Kashmir and Punjab. 2. Background. India's National Family Welfare Program has grown rapidly during the 1980-1989 period. Progress in constructing new and upgrading old facilities, and recruiting and posting additional staff has been good. In addition, improvement in the availability'of services has resulted in steady growth in the perfoLmance of the program as presently measured. Since its inception, in fact, the program has contributed to reducing the infant mortality rate from about 135 per 1,000 births to about 95, and a decline in the total fertility rate from 6.0 to 3.9. Despite these achievem.nts, however, the outcomes as reflected in changing fertility and infant mortaiity rates have been less rapid than desired. For example, although there has been a nearly 30? increase in the Effective Couple Protection Rate (ECPR) since 1980/81, the decline in the crude birth rate, associated total fertility rates, and infant mortality are less than would be expected given the level of effort. Similarly, while infant mortality has declined overall, the proportion of these deaths attributable to readily preventable causes remains steady. Moreover, regional disparities in indicators of performance, as well as fertility and mortality rates. are very large and have remained stable over the last eight years. 3. There is broad consensus on five issues that partially explain why the Family Welfare Program has not led to more rapid and extensive achievements. First, unless education and employment opportunities are increased for women and inexpensive and culturally sensitive contraceptive alternatives are made available, the demand for family planning will not increase nor would the demand for children decrease. Second, there are severe constraints to accessibility of services. These include low population/facility and staff coverage rates, and limited skills among field workers. Third, awareness is low among pregnant and lactating women of the need for effective maternal health care, including ante- natal check ups, improved nutrition, temporary methods of family planning, and the benefits of child spacing. Fourth, the quantity and quality of maternal and child health care services are far below desired levels. Further, mechanisms to identify those most in need of these services are not fully developed, and when combined with specific quotas for the provision of sterilization and intra- uterine contraceptive device (IUCD) cases, this tends to bias workers against effective provision of maternal and child health (MCH) activities and temporary family planning methods. Fifth, the rapid expansion in infrastructure for family welfare services has not been accompanied by commensurate strengthening in the support systems necessary to ensure efficient and effective use of these resources. For example, while the decade has seen a ten-fold increase in the number of female health workers, facilities for their training have merely doubled. Similarly, the development of systems capable of ensuring regular maintenance and replacement of facilities, equipment and vehicles have not kept pace with growth.  - 2 - 4. In 1986, the Ministry of Health and Family Welfare (MOHFW) revised its family planning strategy in order to make the Rational Family Welfare Program more responsive to a changing population mix and the segmented market for the provision of family welfare services. The revised strategy calls for new efforts to raise the average age of marriage of women to over 20 years, by intensifying female literacy programs, curbing the school dropout rate for girls, and offering better employment opportunities for rural women. The effort to reduce infant mortality below 60 per 1000 births is to be concentrated in a universal immunization program (UIP). The goal is that every child and expect- ant mothei. will be immunized by 1990. A nutrition intervention program will also be launched to distribute iron tablets, Vitamin A, and iodized salt. The Integrated Child Development Services (ICDS) would be expanded to provide immunization, nutritional supplementation, nutrition education, pre-school education and female adult literacy to a larger number of deprived areas. The revised strategy also places greater emphasis on information, education and communication (IEC). Emphasis would be shifted from simple propaganda and publicity to population education and information specifically targeted at key groups, as well as attempting to overcome some of the provider and client resistance to temporary methods. Linkages would be established with adult education programs, schools, colleges, trade unions, and employers associations. Private Voluntary Organizations (PVOs) are seen as most effective in motivating people at the grassroots level and will also be increasingly involved in the provision of family welfare services. '. Experience in Previous and Onuoing Projects. The Bank Group has supported the main element of GOI's family welfare strategy; a concentration of service delivery in rural areas and backward districts based on the Model Plan or Area Projects Scheme. Since 1973, the Bank Group has financed six population projects for a total of US$369.8 million. From our involvement with these projects, we have learned first and foremost that the demand for family planning is itextricably linked to the educational status and income-earning oppor- tunities for women. The lessons learned so far from the completed projects are that (a) improving the quality and management of family welfare facilities is a critical factor in influencing the demand for services; (b) analysis of local demographic characteristics and family planning preferences is a prerequisite to developing realistic targets and services; and (c) the participation of local communities, the private sector and other non-governmental organizations must be encouraged if the efforts to extend the program are to be successful. The proposed project fully incorporates these lessons. 6. Rationale for Bank Involvement. First, the project is part of in- creased Bank Group assistance to the social sectors and poverty alleviation efforts. Second, the Bank Group can maximize its impact on removing inefficien- cies in the Family Welfare Program through focussed training and staff develop- ment operations as well as through reform of procedures and improved program quality and implementation. Third, GOI's proposed approach to the reform of training, IEC and service delivery programs and institutional arrangements would benefit from lessons learned from previous Bank Group-assisted human resource development programs in India and elsewhere. Fourth, involvement with this project will strengthen Bank Group dialogue on issues of program management and organizational development, particularly at the State-level.  7. ProJect Obiectives and Description. The proposed project is the second phase of Bank Group efforts to support shifts in the approach, emphasis, and orientation of the Family Welfare Program at both the national and State level. It follows the design to a large extent of the Sixth Population Project which was approved by the Board in June 1989. Specifically, the project would aim to (a) increase the supply of family welfare services; (b) increase the demand for family welfare services; (c) improve the quality of services; and (d) improve the management of the Family Welfare Program. The project consists of: (a) the construction, furnishing, equipping and upgrading of about 5,000 subcenters and 1,100 Community/Primary Health Centers, and providing specialized equipment, medicines and other supplies for enhanced maternal and child health interven- tions, particularly child survival strategies, (b) the increased demand for services objective would be supported by an expansion and reorientatior. of the national Social Marketing of Contraceptives program, expanding assistance to Private Voluntary Organizations (PVOs) as well as facilitating changes in the Grants-in-Aid procedures for PVOs; and strengthening Information, Education and Communication (IEC) activities in e._h of the project States; (c) improving the quality of services would be achieved by expanding pre-service, in-service and on-the-job training of all categories of health workers. These programs would require that existing institutional training arrangements be rationalized and new concepts be introduced into the training system; and (d) the management immrovement objective would be supported by strengthening the respective State Directorates to address human resources development and program management in a more systematic manner, and by upgrading their Management Information, Personnel Management and Demographic Research and Evaluation Systems. Program managemeat would also be addressed by improving the operation and maintenance systems for civil construction, materials and supplies, and vehicle and facility operation and maintenance. 8. The total project cost is estimated at US$141.50 million; the proposed Bank loan of US$10.0 million equivalent and IDA credit of US$86.70 million equivalent would together cover about 70Z of costs, net of taxes, including all foreign costs and about 66Z of the local costs. GOI would finance the remaining US$41.75 million and all taxes and duties. A breakdown of costs and the financing plan are shown in Schedule A. Retroactive financing of up to US$2.0 million would be provided for eligible expenditures made after July 31, 1989. Amounts and methods of procurement and of disbursements and the disbursement schedule are shown in Schedule B. A timetable of key processing events and the status of Bank Group operations in India are given in Schedules C and D. The Staff Appraisal Report, No. 8385-IN dated April 24, 1990 is being distributed separately. 9. Part of the proposed project will be carried out in the State of Jammu and Kashmir, which includes areas over which India and Pakistan have been in dispute since 1947. In making the proposed Loan and Credit to India, the Bank does not intend to prejudice the final determination of the claims of the parties involved. 10. ARreed Actions. GOI and Bihar, Gujarat, Haryana, Jammu and Kashmir and Punjab agreed that they would: (a) by December 31, 1990, carry out operational rasearch p.rograms in selected districts and blocks in order to change present program performance measurement systems; (b) prepare annual plans for the construction of training facilities and health centers, social marketing of con- traceptives, evaluation and monitoring of project performance, IEC, and pre- service, in-service and on-the-job staff training, and furnish them to the Bank  - 4 - Group for review and comment by January 31 of each year commencing in 1991; (c) revise job descriptions and work routines of Health Workers and Assistants by December 31, 1991, to be more in line with the changed emphasis in the Family Welfare Program; (d) as part of its concurrent evaluation of the national family welfare program, undertake and complete by December 31, 1991, a review of the impact of method specific incentives on the strategy to increase the use of temporary methods of contraception amongst lower parity couples, and review the findings with the Bank Group during the next annual review; (e) develop and institute by December 31, 1992, Personnel Management Information Systems; and (f) review the existing procedures for providing grants to PVOs in.olved in the family welfare program, and by January 31, 1992, take appropriate action to enable such organizations to participate more effectively in the national family welfare program. 11. Benefits. During the project period, it is estimated tbat the benefits of the project would accrue to over 22 million lower-income women in the rural areas of the five States. Under the project, about 400,000 new and ex..sting health workers and associated functionarieb, most of whom will be women, will receive training which will significantly increase their abilities to deliver family welfare services of acceptable quality. A second benefit of the project is that better quality family welfare services will lead to an increase in the availability and use of family welfare facilities as well as increase the use of temporary methods and birth spacing, and thereby red -e moroidity and mortality among mothers and children. A third benefit is that aecause of the project and associated improvements in the quality of services provided, it is expected that the overall levels of contraceptive prevalence and continuation rates will increase, and therefore total fertility rates (TFR) in the States would s'ecline over the period from 1990-1997. Under the icenarios developed, it is expected that fertility rates could decline to 3.8 in Bihar, 2.2 in Gujarat, 2.7 in Haryana, 3.9 in Jammu and Kashmir, and 2.4 in Punjab. A fourth major benefit is that the Family Welfare Program in the participating States would be im Lemented more tfficiently. The management systems to be instituted would allow lanning and decision making to cnannel resources to thcse areas which require most; the measurement of actual program performance will shift from a concez *tion on sterilization, IUCD, oral pill and condom distribution targets to more meaning- ful assessments of service quality, including continuation rates of temporary methods among younger, lower parity couples. It is further expected te-t the efforts to slow the rate of population growth will have a positive impact on the environment by slowing the pace of degradation which comes with overcrowding of living areas and the resultant problems of overgrazing, deforestation and pollution. 12. Risks. The major risks are institutional and pertain to the ability of the States, especially Bihar and Jammu and Kashmir, to implement the project. The preparation of detailed Action Plans by each State, and the appointment of Technical Advisory and Expert Committees, and Quality Supervision Teams to work with the Human Resources Development Cells (HRDCs) are expected to minimize these risks. Further, the technical assistance to be provided by the National Institute of Health and Family Welfare (NIHFW) to the five States to assist them in establishing their HRDCs and State Institutes of Health and Family Welfare (SIHFWs) is likely to overcome many of the initial problems in developing new institutions.  - 5 - 13. lecamumendtion. I am satisfied that the proposed loan and credit will comply with the Articles of Agreement of the Bank and of the Association, and recomend that the Executive Directors approve the proposed loan and credit. Barber B. Conable President Attachments Washington D.C.. April 26, 1990  -6- Schedule A INDIA SEVENTH POPULATION PROJECT Estimated Costs and Financina Plan .stimated Costst Local Foreign Total -------- US$ million -------- Expanding the Supply of Services 42.68 5.27 47.95 Increasing Demand for Services 33.67 0.44 34.11 Improving the Quality of Services 36.51 3.24 39.75 Improving Program Management 14.42 0.30 14.72 Total Base Cost 127.28 9.25 136.53 Contingencies 3.02 1.95 4.97 Total Project Cost * 130.30 11.20 141.50 Financing Plans Local Foreign Total -____,__ uS$ million -------- IBRDIIDA: 85.50 11.20 96.70 GOIs 44.80 - 44.80 Total * 130.30 11.20 141.50 * including taxes and duties of US$3.05 million.  INDIA Schedule B SEVENTH POPULATION PROJECT Procurement Method and Disbursements Procurement Method Categories of USS Millions Total Expenditure ICB LCB Other MA Cost Civil Works - 39.23 13.10 - 52.33 (30.22) (10.09) (40.31) Land _ 07 037 Departmental Charges & - - - 3.95 3.95 Professional Fees (2.96) (2.96) Furniture - .15 5.03 - 7.18 (1.50) (3.52) (5.02) Equ.pment 2.00 4.30 4.35 - 10.65 (2.00) (3.01) (3.04) (8.05) Vehicles - 3.72 - - 3.72 (2.60) (2.60) Books - - 2.14 - 2.14 (1.49) (1.49) Local Advisers - - 20.90 5.50 26.40 (12.54) (3.30) (15.84) Support to PVOs - - 7.56 5.20 12.76 (4.54) (3.11) (7.65) Fellowships - - 6.46 6.46 (3.87) (3.87) Salaries of Add'1 Staff - - -7.32 7.32 (4.20) (4.20) Compensation to Acceptors - - - 1.12 1.12 (0.64) (0.64) Consumable Materials - 1.86 1.87 - 3.73 (1.07) (1.07) (2.14) operation and - 1.69 1.68 - 3.37 Maintenance Costs (0.97) (0.96) (1.93) TOTAL 2.00 52.95 56.63 29.92 141.50 mm muwu mina _ mm IDA (2.00) (39.37) (37.25) (18.08) (96.70) Notes Figures in parentheses represent Bank/IDA financing. Disbursements Disbursement 2 of expenditures Category amount to be disbursed (USS Million) Civil works and related 43.27 772 Professional Fees. Furniture, Vehicles, Equipment. 17.16 1002 of CIF and ex- Books and Materials. factory or 702 of goods purchased other wise Consultants, training and Support 27.36 602 to PVOs. Incremental Operational Costs 8.91 Average 57.52 on a declining scale 21 Total 96.70 Estimated Disbursements Bank FY FY91 FY92 FY93 FY94 FY95 FY96 FY97 FY98 Annual 3.1 13.3 22.2 22.3 16.9 9.7 5.5 3.7 Cumulative 3.1 16.4 38.6 60.9 77.8 87.5 93.0 96.7 11 Not applicable. 21 Declining scale by recurrent expenditures: FY91 and FY92 at 802, FY93 through FY95 at 602, and FY96 and thereafter at 502.  Schedule C INDIA bTVENTH POPULATION PROJECT Timetable of Key Project Processing Events (a; Timetable to Prepare s One year (b) Prepared by t GOt and the State Governments of Bihar, Gujarat. Haryana and Punjab (c) First Bank/IDA Mission : November 1988 (d) Appraisal Mission Departure : January 15, 1990 (e) Negotiations : April 11-17, 1990 (f) Planned Date of Effectiveness s August 1990 (g) List of Relevant PCRs and PPARs s Indias PCR on First Population Project (Credit 312-IN). Project Performance Audit Report No. 3748 India: PCR on Second Population Project (Credit 981-IN)  SCHEDULE PAGE 2 of 4 USS Millon (not of cancellations) Loan or Fiscal Year - ----------- Credit No. of Approval Purpos ISR IDA 1/ Undisbursed 2/ 2497-IN 196 Named (Ou]arat) Dr *nd Po r 200.0 - 200.00 1552-ZN 1986 0rind (GuJarat) Dua end Power - 100.0 90.68 1568s-N 1985 Narsada (Gujarat) Canal - 160.0 159.96 1569-IN 19S6 Second National Agricultural Ext. - 49.0 41.78 te11-IN 1986 National Social Forestry - 106.0 181.50 2498-SN 1985 Jhlria Colking Coot 248.0 - 205.16 2606-ZN 19 M ahar btr. PetrochemicaIs 800.0 - 57.64 2634-IN 196 Second Natlonal Highways 200.0 - 159.00 2644-IN 1985 Cnandropur Thermal Power 800.0 - 199.01 25S-IN 1986 Rihand Powr Tranuoisloon 250.0 - 116.48 2562-IN 1986 Kerala Power 176.0 - 156.96 1t10-IN 1966 Went Bengal Minor Irrlstlon - 99.0 121.18 1621-IN 1966 Mahar htr Composite Irrigation - 160.0 189.61 1622-IN 1966 Kerala Water Supply and Sanitation - 41.0 44.02 1628-ZN 1966 West Bengal Populatlon - 51.0 48.71 1681-ZN 1966 NationaI Agricultural Reosrch II - 72.1 72.66 2629-IN 1986 Industrial Export Dev. Financ 90.0 - 86.99 2080-IN 198 ICICI-Indus. Exp. Dev. Finance 160.0 - 97.58 1843-IN 1988 Gujarat Urban - 82.0 87.67 2658-IN 1968 NASARO r 875.0 - 57.49 2660-IN l966 Cement Industry 166.0 - 100.60 2681-IN 1966 ICICI - Cement Industry 35.0 - 25.91 1668-ZN 1966 Andhra Pradbsh II Irrigation - 140.0 157.46 2982-IN 1986 Andhra Pradesh II Irrigation 181.0 - 181.00 2674-IN 1966 Combined Cycle Poer 485.0 - 194.05 2729-IN 1968 Cooperative Fertilizer 150.2 - 8.95 2780-IN 1968 Cooperative Fertilizer 145.0 - 65.97 1737-IN 1967 Bihar Tube lls - 68.0 66.52 2769-IN 1967 Bombay Water Supply & Sewerage III 40.0 - 40.00 1750-ZN 1987 Bombay Water Supply a Sewerage III - 145.0 116.38 1754-IN 1967 National Agric. Extension III - 86.0 77.43 1757-IN 1967 Gularat Rural Roads - 119.8 119.34 1770-IN 1967 National Water Management - 114.0 106.65 2786-IN 1967 Oil India Petroleum 140.0 - 115.42 2796-IN 1987 Coal mining & Quality Improvemnt 840.0 - 151.75 2618-IN 1967 Telcomunicatlons IX 827.0 - 192.60 2797-IN 1987 Uttar Pradesh Urban Development 20.0 - 20.00 1760-ZN 1987 Utter Pracbsh Urban Development - 180.0 120.16 2827-IN 1987 Kornataka Power 880.0 - 314.48 2844-IN 1987 National Capital Pa r 485.0 - 403.29 2845-IN 1987 Talcher Thermal 875.0 - 380.83 2846-IN 1987 Madras Water Supply 68.0 - 63.00 1822-IN 1987 Madrus Water Supply - 16.0 6.20 2893-IN 1968 National Dairy II 200.0 - 200.00 1869-IN 1968 National Dairy II - 160.0 103.70 2904-IN 166 Western Gas Development 283.3 - 194.31 2928-IN 1988 Induw. Fin. A Tech. Asat. 8e0.0 - 300.80 2929-ZN 1988 Houstng Dcv. Finance Corp. 250.0 - 124.95 2936-ZN 1988 Railway Modernization liI 890.0 - 360.00 2938-IN 1988 Karnataks Power XI 260.0 - 239.69 2957-IN 1988 Utter Pradesh Power 860.0 - 324.70 1923-DIN 1988 To l N"du Urban Dcv. - 800.2 247.41 1961-IN 1988 Bombay & Madras Population - 67.0 49.64 2994-IN 1989 States Roads 170.0 - 170.00 1969-IN 1969 States Road. - 60.0 61.64 8024-ZN 1989 Nathpa Jhakri Power * 486.0 - 486.00 1952-IN 1989 National Seds III o - 160.0 138.64 8044-IN 1989 Petroleum Trasport * 840.0 - 340.00 2008-IN 1989 Vocational Training - 260.0 216.87 8045-IN 1989 Vocational Training 30.0 - 80.00 2010-DN 1989 Upper Krishna Irrigation II - 16o0o 133.24 3060-IN 1989 Upper Krishna Irrigation TI 165.0 - 165.00 3058-IN 1989 Export Development 120.0 - 120.00 3069-IN 1969 ICICI - Export Development 1?5.0 - 176.00  SCHEDULE D - 10 - ______________ PAGE 2 of 4 USS Million (net of cancellations) Loan or Fiscal Year --- - ----- - - ---------------- Credit No. of Approval Purpose 1BD IDA 1/ Undisbursed 2/ 2497-IN 19U6 Namarda (Gujarat) Dam and Power 200.0 - 200.00 1562-IN 1986 Normade (Cu]rot) Dom and Power - 100.0 81.71 1655-IN 1986 Narmuda (u rat) Canal 160.0 152.09 1669-IN 1986 Second National Agricultural Ext. - 49.0 31.99 1611-IN 1965 Notional SocIal Forestry - 165.0 116865 2498-IN 1966 Iharto Coktno Coal 57.7 - 12.08 2505-IN 1985 Mahnrahtra Phtroshelcale 800.0 - 20.683 2584-IN 1986 Second Notional Highways 200.0 - 151.87 2544-IN 1986 Chandrepur Thermal Power 300.0 - 178.94 2565-IN 1986 Rihand Power Transmission 260.0 - 84.90 2582-IN 1985 Kerala Power 176.0 - 152.80 1019-IN 1986 West Bengal Minor Irrigation - 99.0 120.71 1621-IN 1986 Maharashtra Composite Irripgtion - 160.0 188.93 1622-IN 198S Kerela Water Supply and Sanitation - 41.0 41.96 1628-IN 1968 West Bengal Population - 61.0 89.18 l168-IN 1986 National Agricultural Research II - 72.1 70.78 2629-IN 1986 Industrial Export Dew. Finance 90.0 - 48.71 2680-IN 18o ICICI-Indus. Exp. Dew. Flnonce 160.0 - 79.11 1848-IN 1986 Gujarat Urban - 62.0 49.67 2658-IN 1986 NA6ARD I 875.0 - 6.80 2680-IN 1986 Cement Industry 165.0 - 94.22 2661-IN 1966 ICICI - Cement Industry 85.0 - 25.29 16es-IN 1986 Andhra Pradesh II Irrigation - 140.Q 166.87 2662-IN 1986 Andhra Pradeeh II Irriation 181.0 - 11.(