Key Highlights of Union Budget 2022-23 | Crash Course for Banking Exams - Bank Exams PDF Download

 Page 1


1 
 
 
PRESS INFORMATION BUREAU 
GOVERNMENT OF INDIA 
***** 
HIGHLIGHTS OF THE UNION BUDGET 2022-23 
New Delhi, 1
st
 February, 2022 
The Union Budget seeks to complement macro-economic level growth with a focus on micro-
economic level all inclusive welfare. The Union Minister for Finance & Corporate Affairs, Smt 
Nirmala Sitharaman tabled the Union Budget 2022-23 in Parliament today. 
The key highlights of the budget are as follows: 
 
PART A 
? India’s economic growth estimated at 9.2% to be the highest among all large economies. 
? 60 lakh new jobs to be created under the productivity linked incentive scheme in 14 
sectors.  
? PLI Schemes have the potential to create an additional production of Rs 30 lakh crore. 
? Entering Amrit Kaal, the 25 year long lead up to India @100, the budget provides 
impetus for growth along four priorities: 
 
? PM GatiShakti 
? Inclusive Development 
? Productivity Enhancement & Investment, Sunrise opportunities, Energy 
Transition, and Climate Action. 
? Financing of investments 
PM GatiShakti 
? The seven engines that drive PM GatiShakti are Roads, Railways, Airports, Ports, 
Mass Transport, Waterways and Logistics Infrastructure.  
PM GatiShkati National Master Plan 
? The scope of PM GatiShakti National Master Plan will encompass the seven engines for 
economic transformation, seamless multimodal connectivity and logistics efficiency. 
? The projects pertaining to these 7 engines in the National Infrastructure Pipeline 
will be aligned with PM GatiShakti framework. 
 
Union Budget 2022-23 
Page 2


1 
 
 
PRESS INFORMATION BUREAU 
GOVERNMENT OF INDIA 
***** 
HIGHLIGHTS OF THE UNION BUDGET 2022-23 
New Delhi, 1
st
 February, 2022 
The Union Budget seeks to complement macro-economic level growth with a focus on micro-
economic level all inclusive welfare. The Union Minister for Finance & Corporate Affairs, Smt 
Nirmala Sitharaman tabled the Union Budget 2022-23 in Parliament today. 
The key highlights of the budget are as follows: 
 
PART A 
? India’s economic growth estimated at 9.2% to be the highest among all large economies. 
? 60 lakh new jobs to be created under the productivity linked incentive scheme in 14 
sectors.  
? PLI Schemes have the potential to create an additional production of Rs 30 lakh crore. 
? Entering Amrit Kaal, the 25 year long lead up to India @100, the budget provides 
impetus for growth along four priorities: 
 
? PM GatiShakti 
? Inclusive Development 
? Productivity Enhancement & Investment, Sunrise opportunities, Energy 
Transition, and Climate Action. 
? Financing of investments 
PM GatiShakti 
? The seven engines that drive PM GatiShakti are Roads, Railways, Airports, Ports, 
Mass Transport, Waterways and Logistics Infrastructure.  
PM GatiShkati National Master Plan 
? The scope of PM GatiShakti National Master Plan will encompass the seven engines for 
economic transformation, seamless multimodal connectivity and logistics efficiency. 
? The projects pertaining to these 7 engines in the National Infrastructure Pipeline 
will be aligned with PM GatiShakti framework. 
 
Union Budget 2022-23 
2 
 
Road Transport 
? National Highways Network to be expanded by 25000 Km in 2022-23. 
? Rs 20000 Crore to be mobilized for National Highways Network expansion. 
Multimodal Logistics Parks 
? Contracts to be awarded through PPP mode in 2022-23 for implementation of 
Multimodal Logistics Parks at four locations. 
Railways 
? One Station One Product concept to help local businesses & supply chains. 
? 2000 Km of railway network to be brought under Kavach, the indigenous world class 
technology and capacity augmentation in 2022-23. 
? 400 new generation Vande Bharat Trains to be manufactured during the next three 
years. 
? 100 PM GatiShakti Cargo terminals for multimodal logistics to be developed during 
the next three years. 
Parvatmala 
? National Ropeways Development Program, Parvatmala to be taken up on PPP mode.  
? Contracts to be awarded in 2022-23 for 8 ropeway projects of 60 Km length. 
Inclusive Development 
Agriculture 
? Rs. 2.37 lakh crore direct payment to 1.63 crore farmers for procurement of wheat 
and paddy. 
? Chemical free Natural farming to be promoted throughout the county. Initial focus is on 
farmer’s lands in 5 Km wide corridors along river Ganga. 
? NABARD to facilitate fund with blended capital to finance startups for agriculture & 
rural enterprise. 
? ‘Kisan Drones’ for crop assessment, digitization of land records, spraying of insecticides 
and nutrients. 
Ken Betwa project 
? 1400 crore outlay for implementation of the Ken – Betwa link project. 
? 9.08 lakh hectares of farmers’ lands to receive irrigation benefits by Ken-Betwa link 
project. 
Page 3


1 
 
 
PRESS INFORMATION BUREAU 
GOVERNMENT OF INDIA 
***** 
HIGHLIGHTS OF THE UNION BUDGET 2022-23 
New Delhi, 1
st
 February, 2022 
The Union Budget seeks to complement macro-economic level growth with a focus on micro-
economic level all inclusive welfare. The Union Minister for Finance & Corporate Affairs, Smt 
Nirmala Sitharaman tabled the Union Budget 2022-23 in Parliament today. 
The key highlights of the budget are as follows: 
 
PART A 
? India’s economic growth estimated at 9.2% to be the highest among all large economies. 
? 60 lakh new jobs to be created under the productivity linked incentive scheme in 14 
sectors.  
? PLI Schemes have the potential to create an additional production of Rs 30 lakh crore. 
? Entering Amrit Kaal, the 25 year long lead up to India @100, the budget provides 
impetus for growth along four priorities: 
 
? PM GatiShakti 
? Inclusive Development 
? Productivity Enhancement & Investment, Sunrise opportunities, Energy 
Transition, and Climate Action. 
? Financing of investments 
PM GatiShakti 
? The seven engines that drive PM GatiShakti are Roads, Railways, Airports, Ports, 
Mass Transport, Waterways and Logistics Infrastructure.  
PM GatiShkati National Master Plan 
? The scope of PM GatiShakti National Master Plan will encompass the seven engines for 
economic transformation, seamless multimodal connectivity and logistics efficiency. 
? The projects pertaining to these 7 engines in the National Infrastructure Pipeline 
will be aligned with PM GatiShakti framework. 
 
Union Budget 2022-23 
2 
 
Road Transport 
? National Highways Network to be expanded by 25000 Km in 2022-23. 
? Rs 20000 Crore to be mobilized for National Highways Network expansion. 
Multimodal Logistics Parks 
? Contracts to be awarded through PPP mode in 2022-23 for implementation of 
Multimodal Logistics Parks at four locations. 
Railways 
? One Station One Product concept to help local businesses & supply chains. 
? 2000 Km of railway network to be brought under Kavach, the indigenous world class 
technology and capacity augmentation in 2022-23. 
? 400 new generation Vande Bharat Trains to be manufactured during the next three 
years. 
? 100 PM GatiShakti Cargo terminals for multimodal logistics to be developed during 
the next three years. 
Parvatmala 
? National Ropeways Development Program, Parvatmala to be taken up on PPP mode.  
? Contracts to be awarded in 2022-23 for 8 ropeway projects of 60 Km length. 
Inclusive Development 
Agriculture 
? Rs. 2.37 lakh crore direct payment to 1.63 crore farmers for procurement of wheat 
and paddy. 
? Chemical free Natural farming to be promoted throughout the county. Initial focus is on 
farmer’s lands in 5 Km wide corridors along river Ganga. 
? NABARD to facilitate fund with blended capital to finance startups for agriculture & 
rural enterprise. 
? ‘Kisan Drones’ for crop assessment, digitization of land records, spraying of insecticides 
and nutrients. 
Ken Betwa project 
? 1400 crore outlay for implementation of the Ken – Betwa link project. 
? 9.08 lakh hectares of farmers’ lands to receive irrigation benefits by Ken-Betwa link 
project. 
3 
 
MSME  
? Udyam, e-shram, NCS and ASEEM portals to be interlinked. 
? 130 lakh MSMEs provided additional credit under Emergency Credit Linked Guarantee 
Scheme (ECLGS) 
? ECLGS to be extended up to March 2023. 
? Guarantee cover under ECLGS to be expanded by Rs 50000 Crore to total cover of Rs 
5 Lakh Crore. 
? Rs 2 lakh Crore additional credit for Micro and Small Enterprises to be facilitated under 
the Credit Guarantee Trust for Micro and Small Enterprises (CGTMSE). 
? Raising and Accelerating MSME performance (RAMP) programme with outlay of 
Rs 6000 Crore to be rolled out.  
 
Skill Development 
? Digital Ecosystem for Skilling and Livelihood (DESH-Stack e-portal) will be 
launched to empower citizens to skill, reskill or upskill through on-line training. 
? Startups will be promoted to facilitate ‘Drone Shakti’ and for Drone-As-A-Service 
(DrAAS). 
 
Education 
? ‘One class-One TV channel’ programme of PM eVIDYA to be expanded to 200 TV 
channels. 
? Virtual labs and skilling e-labs to be set up to promote critical thinking skills and 
simulated learning environment. 
? High-quality e-content will be developed for delivery through Digital Teachers. 
? Digital University for world-class quality universal education with personalised learning 
experience to be established. 
 
Health 
? An open platform for National Digital Health Ecosystem to be rolled out. 
? ‘National Tele Mental Health Programme’ for quality mental health counselling and 
care services to be launched. 
? A network of 23 tele-mental health centres of excellence will be set up, with 
NIMHANS being the nodal centre and International Institute of Information Technology-
Bangalore (IIITB) providing technology support. 
 
Saksham Anganwadi 
? Integrated benefits to women and children through Mission Shakti, Mission Vatsalya, 
Saksham Anganwadi and Poshan 2.0. 
Page 4


1 
 
 
PRESS INFORMATION BUREAU 
GOVERNMENT OF INDIA 
***** 
HIGHLIGHTS OF THE UNION BUDGET 2022-23 
New Delhi, 1
st
 February, 2022 
The Union Budget seeks to complement macro-economic level growth with a focus on micro-
economic level all inclusive welfare. The Union Minister for Finance & Corporate Affairs, Smt 
Nirmala Sitharaman tabled the Union Budget 2022-23 in Parliament today. 
The key highlights of the budget are as follows: 
 
PART A 
? India’s economic growth estimated at 9.2% to be the highest among all large economies. 
? 60 lakh new jobs to be created under the productivity linked incentive scheme in 14 
sectors.  
? PLI Schemes have the potential to create an additional production of Rs 30 lakh crore. 
? Entering Amrit Kaal, the 25 year long lead up to India @100, the budget provides 
impetus for growth along four priorities: 
 
? PM GatiShakti 
? Inclusive Development 
? Productivity Enhancement & Investment, Sunrise opportunities, Energy 
Transition, and Climate Action. 
? Financing of investments 
PM GatiShakti 
? The seven engines that drive PM GatiShakti are Roads, Railways, Airports, Ports, 
Mass Transport, Waterways and Logistics Infrastructure.  
PM GatiShkati National Master Plan 
? The scope of PM GatiShakti National Master Plan will encompass the seven engines for 
economic transformation, seamless multimodal connectivity and logistics efficiency. 
? The projects pertaining to these 7 engines in the National Infrastructure Pipeline 
will be aligned with PM GatiShakti framework. 
 
Union Budget 2022-23 
2 
 
Road Transport 
? National Highways Network to be expanded by 25000 Km in 2022-23. 
? Rs 20000 Crore to be mobilized for National Highways Network expansion. 
Multimodal Logistics Parks 
? Contracts to be awarded through PPP mode in 2022-23 for implementation of 
Multimodal Logistics Parks at four locations. 
Railways 
? One Station One Product concept to help local businesses & supply chains. 
? 2000 Km of railway network to be brought under Kavach, the indigenous world class 
technology and capacity augmentation in 2022-23. 
? 400 new generation Vande Bharat Trains to be manufactured during the next three 
years. 
? 100 PM GatiShakti Cargo terminals for multimodal logistics to be developed during 
the next three years. 
Parvatmala 
? National Ropeways Development Program, Parvatmala to be taken up on PPP mode.  
? Contracts to be awarded in 2022-23 for 8 ropeway projects of 60 Km length. 
Inclusive Development 
Agriculture 
? Rs. 2.37 lakh crore direct payment to 1.63 crore farmers for procurement of wheat 
and paddy. 
? Chemical free Natural farming to be promoted throughout the county. Initial focus is on 
farmer’s lands in 5 Km wide corridors along river Ganga. 
? NABARD to facilitate fund with blended capital to finance startups for agriculture & 
rural enterprise. 
? ‘Kisan Drones’ for crop assessment, digitization of land records, spraying of insecticides 
and nutrients. 
Ken Betwa project 
? 1400 crore outlay for implementation of the Ken – Betwa link project. 
? 9.08 lakh hectares of farmers’ lands to receive irrigation benefits by Ken-Betwa link 
project. 
3 
 
MSME  
? Udyam, e-shram, NCS and ASEEM portals to be interlinked. 
? 130 lakh MSMEs provided additional credit under Emergency Credit Linked Guarantee 
Scheme (ECLGS) 
? ECLGS to be extended up to March 2023. 
? Guarantee cover under ECLGS to be expanded by Rs 50000 Crore to total cover of Rs 
5 Lakh Crore. 
? Rs 2 lakh Crore additional credit for Micro and Small Enterprises to be facilitated under 
the Credit Guarantee Trust for Micro and Small Enterprises (CGTMSE). 
? Raising and Accelerating MSME performance (RAMP) programme with outlay of 
Rs 6000 Crore to be rolled out.  
 
Skill Development 
? Digital Ecosystem for Skilling and Livelihood (DESH-Stack e-portal) will be 
launched to empower citizens to skill, reskill or upskill through on-line training. 
? Startups will be promoted to facilitate ‘Drone Shakti’ and for Drone-As-A-Service 
(DrAAS). 
 
Education 
? ‘One class-One TV channel’ programme of PM eVIDYA to be expanded to 200 TV 
channels. 
? Virtual labs and skilling e-labs to be set up to promote critical thinking skills and 
simulated learning environment. 
? High-quality e-content will be developed for delivery through Digital Teachers. 
? Digital University for world-class quality universal education with personalised learning 
experience to be established. 
 
Health 
? An open platform for National Digital Health Ecosystem to be rolled out. 
? ‘National Tele Mental Health Programme’ for quality mental health counselling and 
care services to be launched. 
? A network of 23 tele-mental health centres of excellence will be set up, with 
NIMHANS being the nodal centre and International Institute of Information Technology-
Bangalore (IIITB) providing technology support. 
 
Saksham Anganwadi 
? Integrated benefits to women and children through Mission Shakti, Mission Vatsalya, 
Saksham Anganwadi and Poshan 2.0. 
4 
 
? Two lakh anganwadis to be upgraded to Saksham Anganwadis. 
 
Har Ghar, Nal Se Jal 
? Rs. 60,000 crore allocated to cover 3.8 crore households in 2022-23 under Har Ghar, 
Nal se Jal. 
 
Housing for All 
? Rs. 48,000 crore allocated for completion of 80 lakh houses in 2022-23 under PM Awas 
Yojana. 
 
Prime Minister’s Development Initiative for North-East Region (PM-DevINE) 
?  New scheme PM-DevINE launched to fund infrastructure and social development 
projects in the North-East. 
? An initial allocation of Rs. 1,500 crore made to enable livelihood activities for youth and 
women under the scheme. 
 
Vibrant Villages Programme 
? Vibrant Villages Programme for development of Border villages with sparse population, 
limited connectivity and infrastructure on the northern border. 
 
Banking 
? 100 per cent of 1.5 lakh post offices to come on the core banking system. 
? Scheduled Commercial Banks to set up 75 Digital Banking Units (DBUs) in 75 
districts. 
 
e-Passport 
? e-Passports with embedded chip and futuristic technology to be rolled out. 
 
Urban Planning 
? Modernization of building byelaws, Town Planning Schemes (TPS), and Transit Oriented 
Development (TOD) will be implemented. 
? Battery swapping policy to be brought out for setting up charging stations at scale in 
urban areas. 
 
Land Records Management 
? Unique Land Parcel Identification Number for IT-based management of land records. 
 
Accelerated Corporate Exit 
? Centre for Processing Accelerated Corporate Exit (C-PACE) to be established for 
speedy winding-up of companies. 
Page 5


1 
 
 
PRESS INFORMATION BUREAU 
GOVERNMENT OF INDIA 
***** 
HIGHLIGHTS OF THE UNION BUDGET 2022-23 
New Delhi, 1
st
 February, 2022 
The Union Budget seeks to complement macro-economic level growth with a focus on micro-
economic level all inclusive welfare. The Union Minister for Finance & Corporate Affairs, Smt 
Nirmala Sitharaman tabled the Union Budget 2022-23 in Parliament today. 
The key highlights of the budget are as follows: 
 
PART A 
? India’s economic growth estimated at 9.2% to be the highest among all large economies. 
? 60 lakh new jobs to be created under the productivity linked incentive scheme in 14 
sectors.  
? PLI Schemes have the potential to create an additional production of Rs 30 lakh crore. 
? Entering Amrit Kaal, the 25 year long lead up to India @100, the budget provides 
impetus for growth along four priorities: 
 
? PM GatiShakti 
? Inclusive Development 
? Productivity Enhancement & Investment, Sunrise opportunities, Energy 
Transition, and Climate Action. 
? Financing of investments 
PM GatiShakti 
? The seven engines that drive PM GatiShakti are Roads, Railways, Airports, Ports, 
Mass Transport, Waterways and Logistics Infrastructure.  
PM GatiShkati National Master Plan 
? The scope of PM GatiShakti National Master Plan will encompass the seven engines for 
economic transformation, seamless multimodal connectivity and logistics efficiency. 
? The projects pertaining to these 7 engines in the National Infrastructure Pipeline 
will be aligned with PM GatiShakti framework. 
 
Union Budget 2022-23 
2 
 
Road Transport 
? National Highways Network to be expanded by 25000 Km in 2022-23. 
? Rs 20000 Crore to be mobilized for National Highways Network expansion. 
Multimodal Logistics Parks 
? Contracts to be awarded through PPP mode in 2022-23 for implementation of 
Multimodal Logistics Parks at four locations. 
Railways 
? One Station One Product concept to help local businesses & supply chains. 
? 2000 Km of railway network to be brought under Kavach, the indigenous world class 
technology and capacity augmentation in 2022-23. 
? 400 new generation Vande Bharat Trains to be manufactured during the next three 
years. 
? 100 PM GatiShakti Cargo terminals for multimodal logistics to be developed during 
the next three years. 
Parvatmala 
? National Ropeways Development Program, Parvatmala to be taken up on PPP mode.  
? Contracts to be awarded in 2022-23 for 8 ropeway projects of 60 Km length. 
Inclusive Development 
Agriculture 
? Rs. 2.37 lakh crore direct payment to 1.63 crore farmers for procurement of wheat 
and paddy. 
? Chemical free Natural farming to be promoted throughout the county. Initial focus is on 
farmer’s lands in 5 Km wide corridors along river Ganga. 
? NABARD to facilitate fund with blended capital to finance startups for agriculture & 
rural enterprise. 
? ‘Kisan Drones’ for crop assessment, digitization of land records, spraying of insecticides 
and nutrients. 
Ken Betwa project 
? 1400 crore outlay for implementation of the Ken – Betwa link project. 
? 9.08 lakh hectares of farmers’ lands to receive irrigation benefits by Ken-Betwa link 
project. 
3 
 
MSME  
? Udyam, e-shram, NCS and ASEEM portals to be interlinked. 
? 130 lakh MSMEs provided additional credit under Emergency Credit Linked Guarantee 
Scheme (ECLGS) 
? ECLGS to be extended up to March 2023. 
? Guarantee cover under ECLGS to be expanded by Rs 50000 Crore to total cover of Rs 
5 Lakh Crore. 
? Rs 2 lakh Crore additional credit for Micro and Small Enterprises to be facilitated under 
the Credit Guarantee Trust for Micro and Small Enterprises (CGTMSE). 
? Raising and Accelerating MSME performance (RAMP) programme with outlay of 
Rs 6000 Crore to be rolled out.  
 
Skill Development 
? Digital Ecosystem for Skilling and Livelihood (DESH-Stack e-portal) will be 
launched to empower citizens to skill, reskill or upskill through on-line training. 
? Startups will be promoted to facilitate ‘Drone Shakti’ and for Drone-As-A-Service 
(DrAAS). 
 
Education 
? ‘One class-One TV channel’ programme of PM eVIDYA to be expanded to 200 TV 
channels. 
? Virtual labs and skilling e-labs to be set up to promote critical thinking skills and 
simulated learning environment. 
? High-quality e-content will be developed for delivery through Digital Teachers. 
? Digital University for world-class quality universal education with personalised learning 
experience to be established. 
 
Health 
? An open platform for National Digital Health Ecosystem to be rolled out. 
? ‘National Tele Mental Health Programme’ for quality mental health counselling and 
care services to be launched. 
? A network of 23 tele-mental health centres of excellence will be set up, with 
NIMHANS being the nodal centre and International Institute of Information Technology-
Bangalore (IIITB) providing technology support. 
 
Saksham Anganwadi 
? Integrated benefits to women and children through Mission Shakti, Mission Vatsalya, 
Saksham Anganwadi and Poshan 2.0. 
4 
 
? Two lakh anganwadis to be upgraded to Saksham Anganwadis. 
 
Har Ghar, Nal Se Jal 
? Rs. 60,000 crore allocated to cover 3.8 crore households in 2022-23 under Har Ghar, 
Nal se Jal. 
 
Housing for All 
? Rs. 48,000 crore allocated for completion of 80 lakh houses in 2022-23 under PM Awas 
Yojana. 
 
Prime Minister’s Development Initiative for North-East Region (PM-DevINE) 
?  New scheme PM-DevINE launched to fund infrastructure and social development 
projects in the North-East. 
? An initial allocation of Rs. 1,500 crore made to enable livelihood activities for youth and 
women under the scheme. 
 
Vibrant Villages Programme 
? Vibrant Villages Programme for development of Border villages with sparse population, 
limited connectivity and infrastructure on the northern border. 
 
Banking 
? 100 per cent of 1.5 lakh post offices to come on the core banking system. 
? Scheduled Commercial Banks to set up 75 Digital Banking Units (DBUs) in 75 
districts. 
 
e-Passport 
? e-Passports with embedded chip and futuristic technology to be rolled out. 
 
Urban Planning 
? Modernization of building byelaws, Town Planning Schemes (TPS), and Transit Oriented 
Development (TOD) will be implemented. 
? Battery swapping policy to be brought out for setting up charging stations at scale in 
urban areas. 
 
Land Records Management 
? Unique Land Parcel Identification Number for IT-based management of land records. 
 
Accelerated Corporate Exit 
? Centre for Processing Accelerated Corporate Exit (C-PACE) to be established for 
speedy winding-up of companies. 
5 
 
 
AVGC Promotion Task Force 
? An animation, visual effects, gaming, and comic (AVGC) promotion task force to be 
set-up to realize the potential of this sector. 
 
Telecom Sector 
? Scheme for design-led manufacturing to be launched to build a strong ecosystem for 5G 
as part of the Production Linked Incentive Scheme. 
 
Export Promotion 
? Special Economic Zones Act to be replaced with a new legislation to enable States to 
become partners in ‘Development of Enterprise and Service Hubs’. 
 
AtmaNirbharta in Defence: 
? 68% of capital procurement budget earmarked for domestic industry in 2022-23, up 
from 58% in 2021-22. 
? Defence R&D to be opened up for industry, startups and academia with 25% of defence 
R&D budget earmarked. 
? Independent nodal umbrella body to be set up for meeting testing and certification 
requirements. 
 
Sunrise Opportunities 
? Government contribution to be provided for R&D in Sunrise Opportunities like Artificial 
Intelligence, Geospatial Systems and Drones, Semiconductor and its eco-system, Space 
Economy, Genomics and Pharmaceuticals, Green Energy, and Clean Mobility Systems. 
 
Energy Transition and Climate Action: 
? Additional allocation of Rs. 19,500 crore for Production Linked Incentive for 
manufacture of high efficiency solar modules to meet the goal of 280 GW of installed 
solar power by 2030. 
? Five to seven per cent biomass pellets to be co-fired in thermal power plants: 
? CO2 savings of 38 MMT annually, 
? Extra income to farmers and job opportunities to locals,  
? Help avoid stubble burning in agriculture fields. 
? Four pilot projects to be set up for coal gasification and conversion of coal into 
chemicals for the industry 
? Financial support to farmers belonging to Scheduled Castes and Scheduled Tribes, who 
want to take up agro-forestry.